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Business Intelligence
Integrated consulting services for concept development, setup and operation of business intelligence solutions
The supply of information for business experts and managers is a very important requirement for strategic and operative decisions. However, the need for time-efficient system analysis and integration is often challenged by heterogeneous reporting solutions and data in multiple functional areas. Accurate planning and monitoring of all data- and information processes within a company is therefore a critical success factor for data transparency, data quality and for controlling the increase of data volumes.
We support our clients with the analysis and design of their information- and data-provision- processes, which arise from strategic or operative requirements. Through many years of experience setting up business intelligence solutions, our experts offer a wide range of functional, methodological and technical know-how for effective and efficient implementations of BI projects. Together with our clients, we create BI solutions for various departments and/or for the whole company (Enterprise BI). We are therefore able to help our clients with the choice and implementation of Analytics-, BI-, and/or In Memory- technology components, and subsequently with the Transfer of the developed solutions to operational units and the maintenance service team.
Many years of experience in the analysis and development of reporting- and planning-processes
Excellent technical knowledge of SAP-analytics, BI- and HANA-solutions for the development of custom-made client-solutions
BI-project and analysis methodology – Efficient project execution on the basis of our established ConVista process model (IPMA standard based)
BI-solutions and Add-on software as project accelerators – ConVista Solventos (Solvency II), ConVista Statutory Reporting (Investment accounting), ConVista Salesforce Analytics (distribution controlling, SAP ICM)
BI-Health-Check – Evaluation of your BI-landscapes for future requirements and recommendations for actions related to possible optimizations and developments
Application Management – Specific support of your system operation and maintenance in the BI-area within peak loads as well as (issue-specific) outsourcing of capacities


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Lean Hog futures are up 15 to 80 cents in most contracts at midday. The CME Lean Hog Index was down 36 cents from the previous day @ $56.53 on February 7. The USDA pork carcass cutout value was up 28 cents on Monday morning at an average weighted price of $65.10. The national base cash hog carcass value was not reported this morning due to confidentiality reasons, with a 5-day rolling average of $49.75. USDA estimated FI hog slaughter for last week at 2.516 million head including Saturday. That is well above the previous week and the same week last year.
Feb 19 Hogs are at $55.200, up $0.150,
Apr 19 Hogs are at $59.025, up $0.600
May 19 Hogs are at $66.800, up $0.400
--provided by Brugler Marketing & Management

subset: commoncrawl


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Murphy Beds Pigtown Brooklyn NYC
Selecting a wall bed in New York City is among the greatest choices you can make to get the most out of your living space. The already astronomical rent is increasing in New York City, meaning that residing there is becoming increasingly expensive. The unfortunate reality is you get what you pay for; so many folks are living in small studio apartments which are extremely pressed for space. This is the reason people need to find creative and innovative ways to get the most out of the space they have. Murphy Bed Express is here to show you the alternative to the common problem. Perhaps among the biggest and most space consuming things within your house is the bed, so the obvious idea is to either reduce the size of your bed to save space or reduce the amount of space your bed takes up. This is where Murphy beds shine. When you decide you want a Murphy bed in New York City, check out Murphy Bed Express.
Murphy Beds New York City
Murphy Bed Express is the most popular Murphy bed store in New York City when you need a wall bed, fold out bed, desk wall bed, or simply a basic bed which folds into the wall. The modern murphy bed can come in many forms, from a bed that folds down from a wall, a bed that folds into the wall, a desk wall bed that's quite literally a bed which folds out of the desk, a cabinet or armoire bed which will fold out and be easily packed away again. At Murphy Bed Express we have the best Murphy bed selection you'll discover anywhere, so if you do not want to spend a lot of cash on a Murphy bed, there are also many inexpensive options to pick from. When you are trying to find a Murphy bed company in NYC, there's no one better to call.
Murphy Bed NYC
There's a reason why Murphy beds in New York City have become so popular. Lots of NYC college campuses have found the benefit of using Murphy beds to create additional space in student dorms, a reality which has spread to numerous NYC apartments. They are also quite hip because they blend into rooms easily, and lots of people do not see it's there until it is pointed out. They are low maintenance too, making them a wonderful option for so many reasons. If you are in need of a portable Murphy bed, that's also available. Murphy beds also make the best guest beds should you not need to waste space in your house.
Wall Beds NYC
Murphy beds in NYC have a strong history. Having been invented by Dr. William Murphy in 1900, Murphy beds became fairly popular during the depression years because of their efficiency. All over the NYC area, the Murphy bed caught on in popularity through the years. Considering that the factors that made them so well loved in the first place are still applicable now, the popularity of the Murphy bed has endured quite well. Saving space, and money are vital in this modern day and by having a fold out bed, wall bed, desk wall bed, or any of the modern murphy beds in Pigtown Brooklyn NYC; you are doing just this.
Wall Bed Store NYC
Murphy Bed Express has a the longest standing tradition for being the finest choice when residents need a Murphy bed supplier in New York City. We happen to be one of the best companies in that sell excellent grade wall beds in Pigtown Brooklyn NYC. The company's creator possesses more than 25 years of experience in the furniture industry. Murphy Bed Express's primary goal is providing excellent and quality customer service to meet the needs of residents of NYC. We are one of the city's most trusted and reliable wall bed suppliers. Our manufacturing facilities are housed in New York, with the main design facility being located in the Historic Chelsea section of NYC.


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Senatores Chapter of Installed First Principals No 8966
Why you SHOULD Join
To All Royal Arch Principals:
Senatores Chapter of Installed First Principals, which was consecrated in 1984, predominately serves the three Fylde Coast Groups and was established with the furtherance of Royal Arch Masonry as its central remit.
It meets but twice a year with the Installation meeting being held on the first Tuesday in June and our autumn meeting takes place on 30 November.
At our autumn meeting we aim to attract speakers of the highest quality who deliver papers full of information and interest, or alternatively we receive a demonstration/presentation from teams such as the Provincial Grand Stewards Chapters of both West and East Lancashire.
All papers delivered at our meetings are made available as pdf files for download from the website.
Our subscriptions, whilst discharging our duties to Supreme Grand and Provincial Grand Chapters, are held at a modest level.
Senatores Chapter currently has over 200 members and is intent on maintaining its standing as the leading Past Principals Chapter within the Province and we look forward to welcoming new First Principals who share our aims.
In addition the Chapter seeks to:
Improve Masonic education, understanding and appreciation of the Royal Arch.
To develop, strengthen and retain Masonic friendships amongst those who are or who have been First Principals of our Chapters.
Who is eligible to join? – Any companion who has been installed into the 1st Principals Chair.
The Chapter is very well respected within the Province and I thoroughly recommend it to you.
To join please contact your Group Vice Chairman/Chapter Lead or any member of Senatores Chapter of Installed First Principals.
Yours faithfully and fraternally,
E Comp Peter G Elmore PGStdB
Second Provincial Grand Principal
The lecture delivered at the November 2015 meeting is currently under copyright and will be posted here as soon as it is made available to me.
Duncan Smith (Scribe E.)


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I love that on Thursday, at 9am (just as bells were ringing State-wide to start the school term), I was in my pyjamas, making chocolate crepes for my kids.
I love that on the first day of term, we played the entire day.
Friends came over and the kids did role-playing games with their toys, scootered to the park, ate a picnic lunch at the playground and scootered home just in time to go to Homeschool group. (For more playing!)
|from my phone…
the specks in this picture are
4 kids scootering madly down the street!
I love that yesterday my son recited a page-long list of all the things he wanted to get done this term, then sat for ages reading on the couch with the kitten on his lap.
I love that my girl went straight to her desk (the desk she loves and lives at) and started writing and drawing and making. Like she does every single day of her life :)
Then the kids explored an Iron Age game on the internet,
played a maths game with me,
then hopped out to the Art Gallery for our new committment—art workshops, run by a dear friend.
Our first days felt so organic. So right.
Living and learning naturally.
Living days of Flow.
(and days of Tricky too—because even on an "I love homeschool" day like yesterday you can get a parking ticket, your boy slips on a driveway and wallops his butt, and your kitten gets into, and wrecks, a brand new loaf of bread. This is when you breathe, and breathe deeply. And continue listing all that's good).
I love being with my homeschooling friends, talking about everything under the sun—from educational philosophies to what music we're listening to, and what we're having for dinner tonight. They're such an enthusiastic, devoted, supportive bunch. It feeds my heart to be around them.
I love learning creatively. Passionately. Wholeheartedly.
I love being different. Alternative and unusual and curious and special.
(and there's a kind of magic in every one of those words. Isn't there?)
I love that our first days of term
looked a lot like our days of not-term!
And every day felt…
all-the-way-through, right-to-our-very-bones,
just right.


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I arrived at London Heathrow at around 11 a.m. on Sunday and went straight to the tube to head to King's Cross Station. The underground system in London is quite extensive and amazing compared to what we have in Canada! Within 45ish minutes I arrived at King's Cross Station and headed for a brief walk over to Euston Station, from where I was going to take the Caledonian Sleeper to Inverness later that night.
Since I did bring two pieces of large luggage and had about 8 hours to kill in London before the train departure, I had my luggage stored at Euston Station for a hefty fee (but well worth it!). Once the luggage was securely stored I decided to head out and explore London by foot.
Walking through China town around Chinese New Year is one of my favorite activities. The streets were filled with people and decorated absolutely beautifully to ring in the year of the dog. The smells were so tempting but I had my heart sat on a Sunday Roast later that night so I didn't want to spoil my appetite. From Chinatown I further walked towards the Trafalgar Square area and found some pretty flower decorations for Valentine's Day.
The rose arrangement was part of some of the beautiful decorations at Burlington Arcade (a very pricey little mall). From there I decided to continue walking past Buckingham Palace further towards Kensington Palace. I have not been to Kensington Palace in over a decade and forgot how far of a walk and vast of a park there is surrounding this fabulous area! I thought that maybe I was going to be lucky enough to actually see Kensington Palace but of course like most Royal Residences in England the opening hours are restricted to very specific times of the year (Meghan, Harry, William and Kate actually reside in the palace!).
Time just seems to fly by when you are walking for hours exploring a city and new surroundings. Before I knew it I was absolutely starving and decided to head back towards the King's Cross area in the early evening. Thanks to Google and TripAdvisor I found a small locally owned pub that was supposed to offer a decent Sunday Roast. Sadly a lot of the pubs in London are now part of big chains and have lost a lot of their traditional charm! The Harrison Gastro Pub was completely packed and I ordered the lamb roast that came with potatoes, Yorkshire Pudding, and some vegetables in a rich gravy. The nice thing about this is that the food comes out super quickly and was piping hot! I would highly recommend this place. You know it is a local gem when everyone around you speaks British English!
After dinner I headed back to Euston Station to get settled in the first class lounge. The Virgin first class lounge at Euston was a complete disaster unfortunately. It was quite filthy and there was actually a M-O-U-S-E running on the loose! Without further ado I decided to just go for one last walk before picking up my luggage and heading to the platform. Once the platform as assigned you line up outside you wagon and wait for an attendant to take your order for breakfast (options included the full Scottish breakfast, oatmeal, smoked salmon and eggs, etc.!). I opted to try the full Scottish breakfast, of course! Then it was time to jump on the train and get settled for the night. The First Class was definitely well worth it.
I had a private cabin, which included a bunk style bed, a sink, and a sleeper set with a sleep mask, shampoo, soap, body lotion and a soothing lavender mist. The mist was actually really soothing and help me fall asleep (or maybe it was the fact that I was up for 30 some hours at that point?). If you are thinking about traveling to Inverness, the Caledonian Sleeper is definitely the way to travel to Inverness! Please don't expect this to be a comfortable ride, it is a train after all but it is such an unique and fun experience. The train ride was quite bumpy at times but the movement of the train was quite soothing.
The Scottish breakfast in the morning was delivered right at 7:30 a.m. when I requested it. It included ham, an egg bake, tomatoes, mushrooms, black pudding, sausage, coffee and a muffin. It was by no means a gourmet experience but sufficient enough to get me set up for the day ahead. Breakfast is served on a fold down tray table above your bunk bed, don't mind if I have breakfast in bed!
This is the first part of my travels through Scotland. Please follow along for future posts.
xoxo Carrie


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The International School Leadership Network (ISLDN) is an international collaboration between members of BELMAS and the University Council for Educational Administration (UCEA).
For more information on ISLDN, click here.
A community of research students in educational leadership, management and administration (including policy related to these areas).
For more information on the Research Students Community, click here.
Get the most out of your membership:


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Thursday, May 14, 2009
I'll Take Timezones for 100
If he does well on this round of the tryouts, he'll be on Jeopardy sometime in the next year. And I hope that he's not too exhausted today because of the fact that I don't understand timezones and therefore called and woke him up early this morning.
Sorry, Hon. I know you'll do great despite my inadvertent sabotage. And also, that explains why you're the one who's trying out for Jeopardy and not me. I wonder if they'll have questions about timezones. In case they do, remember the Pacific timezone is one hour BEHIND the Mountain timezone, not one hour ahead. Hope that helps.
Anyway, since he's been gone, and despite the fact that I actually enjoy having the bed by myself, Joey somehow convinced me to let her sleep in our bed.
I'd swear that kid is made entirely of elbows. And last night I woke up with her chin in my back.
I am not even making that up, though I'm not completely sure how she managed to do it.
When I described her sleeping habits, she said, "So it's like I'm all corners."
Yep, it is exactly like sleeping with a thrashing, eighteen-sided box who is capable of stealing the covers.
I'm so glad Jeff's coming home tonight.
6 comments:
very nice post. thanks! Even though I've never met Jeff, I bet that he'll rock it! Go Jeff!!
- May 14, 2009 at 11:25 AM
- Sarah Bonn said...
Good luck Jeff! I've watched this (and Wheel) since I was a little kid (with some time off during the teen years). I didn't like it at the time but lived in a rural area and got 3 channels. Let us know so we can tune in.
- May 14, 2009 at 12:51 PM
- Michelle said...
Ah, that's way to cool that I sort of know someone who even tried out for the famous game show. I hope he does well and we get to watch him live next year.
- May 14, 2009 at 6:05 PM
- Rhina said...
I love the description of sleeping with your daughter! I have a six year old son who does the same thing. He's all angles when he sleeps and how is it that he never sleeps in a nice straight line in my bed?! Good luck to your husband!!
- May 14, 2009 at 7:35 PM
i don't get time zones either! my boyfriend is in monte negro at the moment (is that how you spell it?), actually i'm not even really sure where abouts in the world he is!!!
good luck to Jeff! :)
- May 15, 2009 at 8:11 AM
Awesome. I'll be watching to see what happens, and ditto on the sleeping with your kid issue. They are THE worst.
- May 15, 2009 at 4:46 PM


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Brain-eating politicians, why not? Thanks to Illinois-based artist Jeremy Plemon, you can now look at past US presidents looking pretty disheveled and slightly unhinged in full zombiefied glory.
Plemon even posts helpful descriptions about every president's unique devouring tendency on his Etsy shop: Zombie George Washington's victims can 'expect multiple blows from his trusty Hatchet of Truth' while Zombie Abraham Lincoln, disgusted with the current state of Illinois politics, is driven by patriotism to 'reclaim his great land for good, relentlessly feasting on the brains of all that stand in his way'. We wonder how Zombie Obama would look… oh, of course, someone's been there too.


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Georgetown's only brewery has been in business for just over a year — but already has a $1.5 million plan in the works to triple the size of its facility, put some of its beers into cans and add an outdoor beer garden.
The expansion will increase production of Rentsch Brewery's beers "ten-fold," according to the City of Georgetown.
Rentsch Brewery opened in August last year as the operation of father-and-son team David and Andrew Rentschler, after Andrew, now 26, studied abroad in Germany and fell in love with Old World styles of beer like the Hefeweizen and Weizenbock now featured on Rentsch Brewery's beer list.
He and his father have decided the expansion — which they expect to be completed by next spring — is necessary to meet the demand for their beers, which was instantaneous from the day Rentsch Brewery opened its doors.
"We sold out of everything we had at the grand opening, and we've been behind on the supply side ever since," Andrew Rentschler said. "We had started with a small setup because we weren't sure what the need would be in Georgetown and the surrounding suburbs. We serve beer completely in Williamson County."
For anyone who lives in the area, Rentsch Brewery's high demand might not come as a surprise given that the U.S. Census Bureau earlier this year named Georgetown as the fastest growing city of its size (population 50,000 or more). According to the City of Georgetown, the brewery is just the latest business in the town to expand its operations.
Rentsch is moving into the the other half of the building in the lightly industrial part of Georgetown where it's currently located — providing the brewers with an extra 7,250 sq. ft. of space to use.
Continually running out of beer "is a good problem to have, but it's still a problem," Rentschler said. "It'd be nice to make enough to satisfy everybody. We make high-quality beers for your regular, average consumer. We're not doing anything niche, but I think that's what appeals to people, especially in the suburbs."
He said the brewery plans to put the Hefeweizen and Weizenbock into cans, as well as the IPA and the blonde ale. One other Rentsch brew might go into cans as well, although that, like many other decisions in the works for Rentschler and his dad, has yet to be determined. They have figured out one very important thing, however: Rentsch's expansion will increase beer production from 1,200 barrels per year to 12,000 barrels per year — a massive jump in size.
Plus, Rentsch Brewery is going to add a beer garden that will be "kid-friendly," Rentschler said. "We want to have a good family environment and offer a good destination brewery for everyone."
But drawing even more regulars to the taproom isn't all that he wants to do. The addition of cans and the skyrocketing production ability means that Rentsch Brewery will one day be able to get its beers into retail establishments in the area, in addition to more bars and restaurants.
"We're mostly in restaurants right now. Our beers go well with dinner; I think that's why we do so well," he said.
For more information, visit rentschbrewery.com or facebook.com/rentschbrewery/.


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Load availability for early bookers
A good way to attract more visitors to your property is to load availability far in advance. On Booking.com, you can show prices for up to 16 months ahead of booking. You'll stand out to early-bird bookers and keep your page visible to those travellers keen to book their trip as early as possible. You can easily update your availability in our extranet
Offer discounted rates to early bookers
You can further attract early bookers by setting up an advance purchase rate. Simply log in to the extranet and click on the 'Promotions' tab to create a deal that appeals to customers booking far in advance.
You decide how early the guest can book and what discount you'd like to add to your existing rates.
1. Select 'Add promotions' and click on the 'Early Booker' icon.
2. Complete all necessary information and click 'Review your promotion' at the bottom of the page, to see an overview of your new deal.
3. To set it live, click on 'Activate promotion' and start receiving bookings!


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- Follow HOT MEALS NOW on WordPress.com
My website
- My Tweets
My book
Eat The Seasons
- Great resource of what's in season. Sign up for a free weekly email update. www.eattheseasons.co.uk
Organic Wick
Brilliant co-operative run by local residents in Hackney Wick, bringing in organic seasonal produce from a farm in Essex.
The Food Assembly
- Content and photography is © Annie Nichols 2015 unless otherwise stated, and may not be used or downloaded without permission.
Tag Archives: blood oranges
Veg Box No.19 Organic Wick – Early April
Last Saturday, if you follow me on instagram you'll know, I picked up my first Organic Wick veg box in about a year. …..and this was in my 'small fruit box' and 'medium veg box' this week… … Continue reading
Posted in Brunch, Drinks & Nibbles, Eggs & Dairy, Lunch, Mains, Meat & Poultry, Nuts & Fruit, Snacks, Starters, Supper, Vegetables, Vegetarian Tagged blood oranges, box delivery, food, little red apples, mustard spinach, organic, organic fruit and veg London, organic veg, organic wick, pink grapefruit, savoy cabbage, veg box, veg box delivery, veg boxes 4 Comments
Blood oranges are in…..
These tissue wrapped beauties came from Cobbs Farm shop in Hungerford, Berkshire, which I picked up on my way back from Somerset. This week I also had a freshly squeezed glass of the bloody nectar at Rochelle Canteen and it … Continue reading


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Bingo Casinos or
Internet Bingo Casinos - For years people have been saying that the easiest form of online gambling is slots gambling, but we at BingoAce think that good old online scratch cards are by far the easiest. Think about it, all you have to do is a buy a couple of scratch cards, which range from a few cents per game to a few dollars, and with a couple of clicks, reveal if you're a winner.
Forums in play online bingo casinos community sites many times involve free games, and special contests that result in prizes for the winners. And even if you do not win, you are still a winner because of the fun you have had and the friendships you have made. http://www.bingo-bonus-websites.com
Free Bingo Tip #3 - Pens and Markers Never forget to bring your pens and markers with you. Before you leave your home, make sure that all of them are working properly. It's not good to just bring one marker. Accidents happen, and you'll want back-up markers.
Free online bingo is available at most online casinos, but you should really look for the ones that specialize in bingo if that's the game you are interested in playing. Free online bingo is a game that is evolving into its own sort of creature, unlike anything else at online casinos. Many casinos that offer online bingo, don't make the effort to create a satisfying playing experience. What you need, is an online bingo site that caters to the bingo player.
From its humble beginnings to the world of the internet, bingo remains one of the most popular and best loved games in all the world. Whether you play for pennies at the local carnival or big bucks at the next bingo tournament, bingo truly has something to offer everyone.
FunTimeBingo games are played over the Internet which reaches virtually every country in the world. Some of these jurisdictions have not addressed the legality of Internet gaming, while some have specifically made Internet gaming illegal. In practical terms, it is impossible for FunTimeBingo to determine the state of the law in every country, state, and province around the world on an ongoing basis. Therefore, by clicking the "I agree" button, you are acknowledging that you have determined what the laws are in your jurisdiction and that it is legal for you to place a bet via the Internet, and for FunTimeBingo to receive your bet via the Internet. Should there be any discrepancy in the legality of any transactions between yourself and FunTimeBingo, or any of its affiliates, the matter shall be determined by a court of competent jurisdiction in the UK, which is where FunTimeBingo (Standard Gaming Solutions Ltd) is incorporated and where it conducts business. Any matter to be adjudicated shall be determined utilizing the laws of FuntimeBingo.
Gala bingo offers you the traditional 90 balls bingo game. They do not offer 75 ball bingo game. With the 90 balls bingo game you can go for any of the three horizontal rows. And if your luck has it, you might successfully complete the pattern required to win the game and you can shout out bingo or house before anybody else. There are also large jackpots and lucrative prizes to be won at gala bingo which you can try your luck at.
Gambling has been with us since ancient times. Gambling online is a relatively new phenomenon and one that seems to be growing in popularity on a daily basis. Take a look at these facts:
Games will be offered at approximately 2 (two) minutes after completion of a previous game. FunTimeBingo has exclusive authority to modify the Game schedule without prior notice.
Generally, a chat host or moderator handles bingo chat games. The moderator is the one that announces what bingo games are being played, as well as the rules of the games and the prices obtained. You should feel respect for this authority, and avoid causing any trouble, because the host is just doing his/her work, so like any position it can be stressful at times. Be patient.


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Many people think that you need to go abroad in order to become fluent in another language. While this is definitely beneficial, it's not entirely true. Your language acquisition skills vastly improve in your target country because you are surrounding by the language you're learning.
What if you could create that same environment before you traveled in your home country? A blog called All Japanese All The Time (AJATT) talks about a college student who learned fluent Japanese in 18 months while living in the US. By the time he arrived in Japan, he could speak, read, and write fluently, and he even found himself a job right away.
How Can You Become Fluent?
As stated above, you can become fluent without the need to travel to your target country. The trick is creating the same environment or one that's even better that you'd get by traveling there. After becoming fluent in Chinese from my travels in Taiwan, I realized that even though I was surrounded by native Mandarin speakers, it wasn't ideal because I forced myself to speak before listening.
The way babies learn is key. They are in what is called an "incubation period," surrounded by constant input for hours on-end. Don't you find it strange that after a few years of not being able to speak that children can almost instantaneously produce phrases and sentences that are almost perfect and grammatically correct?
AJATT states that if you can get up to 10,000 hours of input, when you try and speak your speech will be almost identical to that of native speakers. This is because by constantly listening to native speakers in your target language, your brain will have absorbed only what is natural and grammatically correct in that language. It will have no choice but to reproduce what is accurately correct when speaking that language.
We're not asking you to listen to 10,000 hours of any language (although it would be ideal), but if you could get a lot of listening input by the time you do speak, you will be shocked at how fluent your language skills have become.
While my Mandarin did improve greatly during my stay in Taiwan, my grammar and fluidity would be much better had I spent more time listening to native speakers. Now that we have this covered out of the way, we're going to focus on you French learners out there.
There's a few resources on the web in which you can obtain for free by using the right tricks in order to help you become fluent or pretty close. We're going to discuss them more in detail below. If you want to learn more in detail about language learning, I highly recommend reading the AJATT blog.
Just keep in mind that it is possible and you can do it. With these two thoughts in mind, learning French will be a breeze. You've just got to believe and have confidence in yourself.
Sign-Up For OpenLanguage
OpenLanguage is an online learning platform that hosts podcasts for those interested in learning different languages. A few examples of languages that they offer are Spanish, French, Japanese, Chinese, and Arabic.
The great thing about these podcasts is that French is spoken from native speakers from France, meaning your brain will absorb the pronunciation, grammar, and fluidity. Their podcasts are great and go into great detail, but come at a cost of nearly $29 dollars per month. So how can we get them for free?
Follow these steps below to find out how you can get a discount.
1. Register. You can register for the OpenLanguage website by clicking this link here. Click on the "Sign-up" button and enter in your email, name, and create a password. From there you will select your target language. In this case, French.
2. Select a plan. In the upper-right-hand corner of the page, you're going to want to click on the tab that says "Plans & Pricing." Select the $30/month plan (but we're not going to pay $30).
3. Enter in a promotional code. When you go to the payment page, enter in the promo code greatstart to get $29 dollars off your order, making your total only $1. Go ahead and make your payment.
4. Get a friend to sign-up. The promo code you entered above is only valid for a 1-month subscription. Therefore, you should get a friend or family member to sign-up for you when your first month is over with. Do not forget to cancel your membership before your month is up, or else you will be charged $30 for each reoccurring month.
We do realize that you could simply use another email and create a new account, but here on FFL we do not want to promote dishonesty. I do not encourage this behavior at all. That's why we highly recommend you convince your friends and family to learn a bit of French while having them share your account with them. You can even learn together!
Final Thoughts
There's no need to spend money on books, grammar lessons, or anything else when you have OpenLanguage. They are an all-inclusive resource that can help you with almost any aspect of the language. Even if you have questions on a specific lesson, you can leave comments and they'll usually respond very quickly.
If you're interested in other ways to save some money on courses, we recommend the following articles:
- Learn Chinese For $1/Month Using ChinesPod
- Pay Off Student Debt By Teaching In Taiwan
- Top 20 MOOCs – Get A Free University Education Online
If you have any questions about registration or what OpenLanguage has to offer, leave them down below. I'm currently on the elementary level in my French course, so I'd be more than happy to help. Thanks for reading and good luck on your frugal journey!
My name is Jason Wuerch and I'm currently located in Madrid, Spain running a personal finance blog called Frugal For Less. My goal is to help everyone and anyone willing to make and save money through easy and simple ways that don't require much effort. Just because you're frugal doesn't mean you have to give up life's luxuries.


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The Vence collection is made by the Belgian weaving mill Libeco from 100% linen. It is a fine and light fabric. The collection offers you a gorgeous colours and a high-quality finish (wide envelope hem), simple yet stylish. As a result, you can use this table linen for truly every occasion.Vence is also available as metre fabric. You can get out the sewing machine yourself or have us do it. In that case, request an offer via email@example.com. This way, made-to-measure is an option for practically every table.When placing the order enter the number of metres you would like at 'aantal' (number of). Venise is 273 cm wide and weighs 135 grams per m2.


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Dear Friends,
So how far are we willing to go in order to stand up for what we believe? Would you put it all on the line and risk your life? Would you compromise your own personal principles as did Esther (participate in a beauty contest, whatever she had to do…) in order to position yourself to someday help those who are important to you? Will we do the right thing when we are asked?
Purim is so important that when the Messianic age arrives, we will continue to celebrate this important day. We are reminded by Esther's bravery that sometimes we are placed in situations where we can truly make a difference and it is up to us to respond. Think about how different the world would have been if Esther didn't tell King Ahasveurus that she was Jewish. Are we willing to stand up and acknowledge who we are when our identities are being challenged? What does this say to us about our personal Jewish identities and our connection to Israel, when standing up for our Jewishness or to defend the state of Israel isn't popular? How do we determine whether the cause is worth standing up for or whether we should back away from a particular issue?
These are some of the questions which the celebration of Purim raises for us. I wish to comment about a coincidence of numerical values. ( or maybe it is not a coincidence) We know that each Hebrew letter has a numerical value which one can learn more about by studying about gematria. The words " blessed be Mordecai and cursed be Haman" (in Hebrew) add up to the same numerical value. There are many explanations for this, but the one I believe is relevant for us today is that each of us has some of Mordecai and some of Haman in us. It is up to us to decide upon which characteristics we wish to act. Are we going to follow a course of action that is praiseworthy and helpful? Or…are we going to follow a course of action that is destructive and leads to negative energy? Each of us is faced with challenges in our personal lives, our professional lives, our volunteer activities, and in all aspects of our lives. How do we respond? Are we brave like Esther and take risks? Are we worthy of blessing and praise by the ways in which we respond? Or…do we fan flames, listen to negative speech, and pursue actions that are closer to "cursed be Haman?"
What is so wonderful and timeless about this story is that it is all about us. I hope we can find inspiration from hearing the reading of the Megillah that will lead us to want to do the right thing in all different aspects of our lives.
And…remember it is a mitzvah to hear the reading of the Megillah, to celebrate Purim with a special meal and party (and drink RESPONSIBLY (and not drive) if it is legal for you to drink!!!, give food packages to your friends (Shelach manot), and help provide for the poor and those in need (matanot l'evyonim).
Hag Purim Sameach!
Rabbi Bruce Aft
GMU Hillel Rabbinic Advisor


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At Agflow we specialise in providing end to end solutions for any water requirements.
We will come out onsite to discuss your requirements with you and will give you with the best possible, cost effective solution.
Are you currently in the market of purchasing a pump? If so you will need expert advise to ensure you get the right one. Pump selection is complex and there are many factors that need to be carefully considered prior to purchase, otherwise it can end up being a very expensive exercise.
Do your have water you can't use due to quality issues? Do you have bacteria in your water? Too high a levels of Manganese, Potassium or other minerals? We can custom build Water Treatment systems to meet any requirements.
Do you want to collect rainwater and store it in a tank for later use on your garden, toilet flushing and more... This is a big part of our business and helps us to help you.
With planned service and maintenance we are able to keep valuable equipment working to its full potential. Many of our clients are setup on Service and Maintenance plans.
Please get in touch with Agflow Water Systems from the Contact box on the right.
Eco Filtration – Eco Watering Solutions – Green Water Filtration – Pump – Pumps – Water – Water Filtration – Water Pump – Water Pumps


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Category: Davao Region
Kadayawan 2012: Ten Tribes, One VibeCelebrated every August, Kadayawan is the king of all Philippine festivals. It oozes with tremendous amount of vibe, energy and life. From the local word Madayaw which is good or beautiful, it showcas... Read More
Chasing Waterfalls: Aliwagwag FallsLocation: Aliwagwag, Cateel, Davao Oriental Type: Tiered, Cascade, Fan horsetail Reputed to be as the highest waterfalls in the country, the majestic Aliwagwag Falls is composed of 84 tiers cascading ... Read More
How Far Have I Gone: 1564 kmsDate: July 2, 2012 Location: Digos City, Davao del Sur Note:This ispart of LegendHarry's June 28-July 3, 2012 Davao-Caraga-SOCCSKSARGEN Trip. Note:This ispart of LegendHarry's June 28-July... Read More
Durian Pie is…… lami kaayo! Yes, durian pie is so delicious! No doubt about that. While others are not tickled by this exotic fruit, I have to digress. And if I may add, they are missing a lot especially when... Read More
Sunrise in Davao CityAs Flight 2P 981 was on its final approach to Francisco Bangoy International Airport (DVO), I managed to get a glimpse of the rising sun behind the Island Garden City of Samal. And that small window o... Read More
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Teen Tooth Loss From A Sports Injury: Call A Denturist Fast
Sports injuries are very difficult to deal with, but the loss of a permanent tooth can be detrimental for a teenager. If your teen is dealing with tooth evulsion you want to see a denturist, who is a professional with permanent oral solutions.
Dental implants are a much more reliable option in comparison to partial removable dentures, or even a bridge for the last tooth. The sooner you are able to get in to see the denturist, the better. Here are a few things you want to consider.
Dental Implants are the Healthiest
Dental implants are the next best thing for your mouth, next to natural healthy teeth for tooth loss. The implant is going to protect the gum tissue, it's going to allow the injured person to maintain a regular diet, and the implant is going to feel and look like a natural tooth. Your teen can brush and floss as they would with every other tooth in their mouth, and you won't have to worry about cavities in the implant.
Partial Dentures are a Pain
Partial dentures require a lot of maintenance. Your teen has to put them in each day, and hope they stay stuck to the gum tissue. They may get loose and wear on the gum tissue, and you have a lot of dietary restrictions with dentures. Each night, they have to be removed and cleaned, and then the mouth needs to be cared for.
These need to be adjusted and relined every couple of years, and your child could still have bacterial problems and concerns in the areas where teeth are missing.
Bridges are Noticeable
A bridge can be a temporary solution until the permanent implants are put in, but they aren't a great long-term option. You can see the metal along the gum line at the bottom of a bridge, and these can become loose or break unexpectedly. The bridge also only has an average lifespan of 5-7 years, which could leave your child with many future dental appointments for replacement.
The dental implants can last for a lifetime if your teen goes to their regular dental checkups and has their implants inspected regularly as an adult. This is the best treatment option for their oral health, and so they can have a normal life. You don't want them to stress about overnight stays at a friend's house, or if their teeth are going to fall out with dentures or bridges. For more information, contact Thomas H. Seal DDS or a similar dental professional.


text: Welcome back, darlings! Today's draw is an admonition to move on despite whatever else you might be going through. Put up your shields and boundaries and grieve where you need to, but don't be afraid to let go and move on. Give yourself time to process whatever is coming up, and try to do so creatively: write, draw, paint, sculpt, knit, build, or even destroy if that's what you need to do. Allow it all to flow out so that you aren't carrying it around with you. It's baggage that needs to go. And also don't worry about keeping others on the "outside" side of the fence: they can sit out there and wait until it's their turn to be admitted into The Presence.


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Painting with Words is 3-0
So I took a little bit of a sabbatical yesterday, I went off into the great unknown to watch our Wolverines play, this time I was without any sort of internet access, and my phone was dead, so I had no way of reading the message boards, and blogosphere's reaction to Michigan's win. Thank the fucking lord for that. I came home today, and after putting my shit away, I jumped online, big fucking mistake. My head was already pounding for the large quantity of Jagermeister I had drank the night before. So I log onto MGo and although I was expecting some OMG DOOM stuff, I was blown (lol) away. Fire GERG? Seriously dudes, you want to fire the guy whose patchwork defense beat Notre Dame?
We won this game, we are 3-0. Everyone in the known fucking universe, knew that our defense was going to have some bad days. Yesterday, our defense had a bad day. This is the perfect teaching opportunity for GERG and his merry band of Corches. So what if we got gashed by the UMass offense. We won the fucking game, the only thing that matters at the end of the day is the win loss record. By my count MICH is 3-0. That is as good of a start as any team in College Football history. If any team has started better than 3-0 in the first 3 games of the year, let me know.
Lose the pissy little girl attitudes. We are winning football games, what more do you want? Denard Robinson is the shizz and Michael Shaw had a breakthrough game. So did Darryl Stonum. Lewan cracked the starting lineup. Cam Gordon had an interception. Things couldn't be much better. MICH


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In early December, Panorama hosted its first ERP Boot Camp for the public. Approximately 25 CIOs, IT Managers, and Project Managers attended the interactive 3-day training session, which was facilitated by myself along with some of the world's other leading ERP experts.
One of our opening sessions on the first day of the event set the stage and served as the foundation for the rest of boot camp. In this 90-minute session, I facilitated a presentation on 20 things that every CIO and ERP Project Manager should know before embarking on an ERP implementation. Below is a summary of those 20 items:
- ERP is about your business, not the technology.
- ERP initiatives are very challenging.
- Selecting the right software is the first step in a successful ERP implementation.
- No ERP software is perfect. All have their strengths, weaknesses, and tradeoffs.
- A business blueprint is the second step to an effective ERP implementation.
- Business process re-engineering should happen before, not after, you implement your ERP software.
- ERP software best practices and pre-configured solutions do not solve all the challenges of ERP.
- SaaS ERP won't eliminate all of your risks, either.
- Your project will fail without adequate organizational change management.
- Executive buy-in and support is critical to ERP success.
- The "A-Team" is critical to ERP success.
- There is no "one size fits all" ERP strategy.
- If your operations and ERP system are misaligned, it's probably not the software's fault.
- Expectations are high, but most ERP implementations don't properly define the "finish line."
- Most organizations strive fore "no customization," but most fail to do so.
- You don't have to implement ERP all at once.
- In addition to planning, implementation is also about execution.
- If you don't measure it, you won't achieve it.
- It is important to recognize the "canary in the coal mine," or signs that your implementation may be in trouble.
- ERP success and benefits realization is largely determined before the implementation starts.
While the above list just touches the tip of the iceberg of what was covered in the session, it should provide a good starting point for what to consider prior to embarking on an ERP implementation. We'll cover this topic again in our next ERP Boot Camp, which is scheduled for March 9-11, 2011 in Denver, CO. Learn more or watch the video below for an overview of this unique 3-day training session.


text: Learn about our newly released VMAT Check product. Utilizing CTs, an intuitive interface, and an improved algorithm, find out how our new arc therapy module can make calculating complex arc plans easy! Does your cancer center do VMAT, RapidArc, SmartArc, or other arc therapy? This demo video will walk you through the complete calculation of a rotational arc plan using our new module.


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You can view your current and past order tracking information by signing into your account. (Link Here)
Once you have logged in:
1) Go to the Account tab
2) Click on "track order" and it will take you to the tracking information for your order.
If you have any further questions, concerns, or need additional help, please feel free to reach out. Our knowledgeable support team is happy to assist you. To get in touch, please use one of the contact options below:
- You can open a ticket
- Email us at firstname.lastname@example.com
- Call us at +1 (800) 983-3887
- Live Chat


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In addition to traditional quantitative and qualitative research techniques,
we offer a range of specialist research methodologies.
we offer a range of specialist research methodologies.
"The CHILDWISE team helped us undertake an important piece of research to help launch and support our Engineer a Better World campaign.
Their expertise in child and youth research was clear throughout - from the way their moderators made in-depth interviews more engaging for children, to their ability to take a complex subject such as engineering and produce questions that were meaningful for children. We were always confident that they were getting the best from the parents and children they interviewed on our behalf.
The team produced comprehensive yet accessible reports, that provided clear, practical and actionable recommendations, on how to best communicate the benefits of a career in engineering to children and parents"
Their expertise in child and youth research was clear throughout - from the way their moderators made in-depth interviews more engaging for children, to their ability to take a complex subject such as engineering and produce questions that were meaningful for children. We were always confident that they were getting the best from the parents and children they interviewed on our behalf.
The team produced comprehensive yet accessible reports, that provided clear, practical and actionable recommendations, on how to best communicate the benefits of a career in engineering to children and parents"
Schools Panel
Much of our research is carried out via schools and colleges across the UK, via our established panel of over 1000 schools. We are continually building and expanding the panel, recruiting new schools for specific projects and to strengthen overall coverage.
Research is conducted on children's own ground, building confidence and co-operation, and free from direct parental influence.
Research in school allows access to a representative sample that overcomes issues such as limited Internet access at home, or parental concerns about child membership of commercial online panels.
All research adheres to strict protocols governing child interviewing, over and above standard Market Research Society Guidelines, including parental consents and child protection procedures.
Specialist Panels
Within our overall panel, we record details of school types and specialisms, which enables us to offer a number of specialist panels covering minority and hard to reach groups such as children with disabilities, deaf / hearing impaired, ethnic minorities, and those in areas of deprivation.
Whether these groups are the focus of the research project, or form part of a wider target sample, we have a unique mechanism for accessing these hard to reach groups.
Our online surveys are designed specifically for the needs and capabilities of the target group, and we liaise closely with teaching and support staff within the schools on the practicalities of running each project.
Recording onscreen activity using video capture technology, enabling us to monitor children as they evaluate websites and software applications without direct adult intervention.
This allows us to capture a genuinely spontaneous response - this technique can help test the usability of your website, tracking where users go and the activities they perform.
Users can then watch back their journey, commenting on what they did, the decisions they made, how they chose what to click on, and what they found easy or hard to do.
Whether you're looking for detailed insights into user experience, or you simply want feedback to inform the development of your website or online resource, Screenwatch can create a natural online experience that delivers a rich and reliable response.
Mobile Phone
The mobile phone is a fast and effective channel of communication, offering access to teenagers and young people, anytime and anywhere.
Amongst children, mobile phone ownership increases dramatically with age, from one in five 5-6 year olds, to two in five 7-8 year olds, and more than half of those aged 9-10. At the start of secondary school, nine in ten children have a mobile phone, rising to almost all 13-16 year olds (CHILDWISE Monitor 2019).
Whether you want instant feedback on the move (e.g. following a music festival or a live sporting event), or you simply want a snapshot from a moment in time – mobile phone surveys can deliver accurate, real-time results from this dynamic and influential audience.
Children are naturals when it comes to co-creation. They are full of spontaneous ideas about what they would like to see, and lack inhibitions as to what is or isn't possible.
They have an instinctive sense of discovery, they are quick to see possibilities from widely different areas of their lives, and have their own fresh and quirky approach to products and services.
When we talk to children in research, we find them enthusiastic to tell manufacturers or marketers exactly what they would like to see, and they have high expectations that they will be listened to.
To get the best from them, it's important for them to feel comfortable and empowered, encouraging a free exchange of ideas with a minimum of guidance to keep them on topic.
Our work in publishing has involved children as major contributors to a range of successful product launches. A programme of collaborative research, from initial concept to final product, brings together children, editorial and creative representatives, in a two way process in which ideas are developed and refined.
We recognise the need to ask limited numbers of questions across a wide range of children, within budgetary constraints. Omnibus research is the ideal vehicle for this, and we offer a termly online omnibus (three times a year - February / May / September) among 1000+ 7-16 year olds in schools across the UK.
Schools are selected to give geographical and demographic representation, including ethnic minorities, urban and rural schools, and ability level.
Access via schools means that we gain a fully representative sample, including children who are not regular internet users, and those who may not wish, or be permitted to, be part of a standard online panel.
Please email for more details.


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Florist choice bright bouquet sweetness - Not sure what you want then let one of our experineced floral designers create a stunning bright toned bouquet with the addition of a handmade gift card and 2 delicious cupcakes in our special flavour of the day.
Please note that card and cupcake flavour may vary but will be suitable for the occasion.
Flowers may vary depending on seasonal availability


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A remarkable TIMELINE of ART HISTORY that connects you to essays, works of art, and chronologies: http://www.metmuseum.org/toah/
Online Features include Artists Project, Met Kids, and other valuable resources for exploring art, not only at The met, but around the world: http://www.metmuseum.org/art/online-features
Current Exhibitions: http://www.metmuseum.org/exhibitions/current-exhibitions
THE COLLECTION: Have a field day! Click on this link, and you'll be able to access over 400,000 works of art in the museum's vast permanent collections. It's an art lover's candy shop: http://www.metmuseum.org/art/collection


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Sometimes things that seem simple wind up being fairly complex. One of the things that makes designing and prototyping so interesting is realizing how little you know about things you take for granted. For instance, what time is it where you are? How do you know what time it is and what actually determines the canonical time for a given location?
We've been working on a little project for a device knows what time it is without needing to connect to wi-fi or a cell network. Why no connection? We think there are some devices that don't need to be fully connected to a network to be clever.
If a connected device moves around, finding and accessing wi-fi becomes annoying and cell networks are expensive, outrageously so if you take the device on an international trip. Fortunately there's a better way that doesn't require anything other than access to a data source that you've almost certainly used before: GPS. Satellites broadcast out GPS data packages called "sentences" to anything listening. For instance:
Here's a breakdown of the above "sentence":
So we know the time, right? Well, sort of. We know UTC which is the time in Greenwich, UK, which helps if we're in the UK and not if we're not because of timezones. It's pretty easy to use longitude to a very rough estimation of time, something like:
int tzOffset = (longIsEast?1:-1) * GPS.long * 24 / 360;
And that's maybe sort of mostly okay but Not The Right Way To Do It.


text: good day to all haynes techs, i have manual 92007 and i'm in need of your infinite wisdom here. im going to be replacing my trans pan gasket and filter. your manual states that the torque on the pan bolts is 43 inch lbs. i bought all new bolts at the dealer since most of mine were rusted on the heads of them and i wanted a good torque reading with new bolts. the property class markings on the bolt heads are 2 dots, nothing more, which according to the parts guy said it means the same as the radial lines, so the bolt is a 6T grade M6 x 1.0 bolt with a washer. the factory manual says these bolts have a range of 69-78 inch lbs, far exceeding the 43 inch lbs in your manual. am i missing something here? he also said that the fiber gaskets can take more torque than those plain black rubber gaskets, which is why the torque is higher. would u be able to clarify any of this for me? i'm torn between which spec to use. or i guess i could just torque to lowest setting and if it leaks just tighten the bolts up more till the leak is gone. your reply is much appreciated


text: Nike and Patta seem to be collaborating on not one but two different Air Max 1 Premium sneakers that are hitting retailers this month. The first we showed you was the White and Chlorophyll colorway that is a Quickstrike release at select Nike Sportswear accounts worldwide. This second colorway is similar to the Chlorophyll in that the materials used are almost identical however instead of Chlorophyll, Purple is used as a replacement. The team at Patta wanted to pay homage to the original Air Max sneaker from Nike that was released in 1987 and designed by the infamous Tinker Hatfield but make it more "street-friendly", thus Purple Denim, canvas, and nubuck was used while keeping the color blocking similar to the original Air Max 1. These White and Purple Nike x Patta Air Max 1 Premium TZ sneakers are available now exclusively at Patta in the Netherlands.


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A LOT of debate ensued. In including some denialist noise making and some discussions on the merits of Cap & Trade vs Fee & Divided (F&D). It's part of that Fee & dividend stream I want to preserve here, as it has some of my 'back of the envelope' calculations on how F&D triggers more integrated farming practices.
Carbonsink's initial post.
How about we tax carbon at $20/tonne and repay the proceeds every quarter, split equally between all citizens?
Its simple. Its progressive. It compensates the poor, the old and the unemployed.
James Hansen is a smart cookie.
My first reply.
James Hansen doesn't support a general carbon tax. He speciality supports a fossil fuel specific Fee & dividend system.A fee-and-dividend system imposes a fee on the initial sale of a fossil fuel which is then redistributed to the public; the rising cost of carbon-intensive products would, it is hoped, encourage families to keep their carbon footprints low.
'James Hansen rails against cap-and-trade plan in open letter' from the Guardian's environment blog on 12 Jan '10
James Hansen doesn't support a general carbon tax. He speciality supports a fossil fuel specific Fee & dividend system.
I know. That's why he's a smart cookie.
Wouldn't it be funny if a non-economist came up with the best way to price carbon? I'd like to hear ProfQ's thoughts on Hansen's fee-and-dividend idea?Governments must place a uniform rising price on carbon, collected at the fossil fuel source – the mine or port of entry. The fee should be given to the public in toto, as a uniform dividend, payroll tax deduction or both. Such a tax is progressive – the dividend exceeds added energy costs for 60% of the public.
Fee and dividend stimulates the economy, providing the public with the means to adjust lifestyles and energy infrastructure.
If global emissions trading is DOA, how about we give something else a try?
It's not about taxing carbon, it's about fossil fuels specially. ETSs miss the point in that carbon is not all the same. The natural carbon cycle is vast, it's the relativity small ongoing injection of geologic carbon that's throwing the whole biosphere/carbon cycle out of whack.
Back when the CPRS was being argured over in the press. A prosal was floated that becuase agriculture was too complex to figure out and that the 'best approach' was to simply include it by levying farmers on a per head (for livestock) or per acre (for crops) basis. Figures like $100/head for cattle were being banded about. That struck me as fundimentally ineffective as well as unfair, as it made no distinction between lot fed and grass fed cattle. It also had no way to take changes in farming method at the property level into account.
As a thought exercise I compare how you should treat a car, a lot fed animal & a grass fed animal to try to figure out a better way to include them. That when I realise that an ETS on carbon generally wouldn't just work poorly, it won't work at all!
Generally people will try to play with and bend the large natural flows of carbon to get the atmosphere CO2e figure down. Any thing but tackle the actual use of energy/fossil fuels & the problematic 'new' geologic carbon flows. Pushing carbon around in the biosphere is like pushing piss up hill. It ain't going to stay where we put it long term.
The easy, knee jerk reaction is to try to 'win' by diverting big natural flows, rather than stopping the small problematic ones. An ETS in quantitative, a Fee & dividend is qualitative. Here is on example of how being quantitative gets it wrong. The cheap ETS reaction is to plant trees, lots of them, in large cheap monoculture forests. The qualitative and resilient approach is mixed forestry in a mosaic with other systems. An ETS here works away from a sustainable lower energy farming ecosystem that better suits local conditions.
Disclosure: I have family members involved in agriculture, including grass fed cattle production.
So how will fee-and-dividend discourage land clearing and encourage "mixed forestry in a mosaic with other systems" ?
Raising energy cost (Fee & Dividend) increases forestry & more diverse land use by a combination of product substitution and return on investment question/harvest frequency changes.
Cheap energy allows lots of product substitution. Steel and concrete for timber of every thing from houses to ships. Petrol & diesel fueled cars, trucks and trains for horses powered by hay. Synthetics for natural fibre. What this has done is remove a lot of demand to use our land surface for things other that food. In each case new fossil fuels replaced old solar based systems.
Cheap energy has also meant we've been able to substitute artificial fertility for natural fertility.
When the cost of energy is low, low return annual harvest systems make sense. When you dramatically raise the cost of energy, high return long rotation systems make more sense. We'll always need a fair amount of annual harvest systems, our staple carbohydrate food stuffs are generally produced from them. If you harvest a system annually, the return is typically between 6% & 10%[1]. Plantation systems can return from 34% (over 6 years) to 310% (over 90 years). Harvest a natural system and you can get 1100% (over 300 years). If you have a cheap energy to drive an annual harvest, you can get more out of given area, over time. But the law of diminishing returns apply to the energy inputs.
Raise energy costs and some of these reverse. In construction I can easy see a time when steel and concrete are only used extensively in public building, where the engineering demands require them. Hoping we don't have to go all the way down to riding and working horses, and building ships from oak again.
I've done some 'back of the envelope' calculations. They are based on EMERGY figures; Corn yielding at a 1.10 ratio and Radiate pine yielding at a 2.10 ratio, over 24 years. The figures also assume no cost to moving energy use between years and no yield from unused land.
Say it taken 1000 unit of energy to grow and harvest corn. The harvested corn yields 1100 units of energy. Over 24 years that's a net gain of 2400 units of energy, for 24000 units in.
Now double the cost on energy. The farmer can now only afford 500 unit/year or 12000 in total.
If the farmer just plants corn, he can only use half the land. That 500 units of energy in and yields 550 units of energy. Over 24 years that's a net gain of 1200 units of energy, for 12000 units in.
But if the farmer plants 47% to corn each year and plants 53% to Radiate pine in the first year, here's what the farmer gets. 530 units are used to plant & harvest the pines plus 24 times 470 units to grow the corn each year. Total energy in is 11810 units (11280 units for corn + 530 unit for pines). The net gain over 24 years is 1711 unit (1128 from corn, 583 from pine).
By using a corn pine mix, the drop in production expected with a halving in energy usage can be reduced from a 50% drop to a 29% drop.
[1] David Holmgren, Permaculture Principles & Pathways Beyond Sustainability, p 65-7
Ultimately what my 'back of the envelope' calculation show is the when you start taking energy out of a farming system, the Law of Diminishing Returns can be used to work with you.
As energy prices go up and usage falls, the more land goes to trees, all thing being equal. Don't you love that last phrase.
In the developed world, that 'all things being equal' included only 3% (or less) of the population being involved on Agriculture, Horticulture, Forestry & Fishing.
So in a really low energy system you could end up with 1ha of market garden & orchards, 9ha of grain & 490ha of mixed trees! How to boost the system? Add labour. Go to ten families, 10ha of market garden & orchards, 90ha of grain & 400ha of mixed trees.
Ten families farming 10ha of gardens & 90ha of grains. What does that tell us? It tells us that food as a percentage of earnings is not going to stay cheap. It's that standard of living thing again. If you can't have standard of living, you gotta work on quality of life. Be happy!


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The Miami Heat had just defeated the Philadelphia 76ers in a game whose ugliness set back the sports decades.
Following the 66-57 victory, which came the night before the 1996 trading deadline, first-year Heat coach Pat Riley stood in a hallway in the old Philadelphia Spectrum and declared nothing was happening with trade talks.
Less than 24 hours later, Riley traded away five players in three separate deals, acquiring Tim Hardaway, Chris Gatling and Walt Williams among others.
The rebranding of the Miami Heat was in full swing.
When Riley, now the team president, declared the Heat were rebuilding this season, all that meant is one of the most successful coaches/executives in the sport's history was back in his comfort zone. Few have torn down and rebuilt in any sport with as much success as Riley in the last two decades. The Heat have gone through four major rebuilds, the three previous producing at least one trip to the conference finals, and two resulting in three combined championships.
Now the challenge is for Riley to match that success with this reconstruction, which should hit full force this summer.
"He's one of the great visionaries in the history of this game," Heat coach, and Riley protégé, Erik Spoelstra said. "I don't know if there are many people in this business right now who have as much winning experience as he does. You're talking about decades of winning with three different franchises. That's great experience.
"He thinks much bigger than anybody I've ever been around."
Riley has set the bar high. He has turned the Heat into contenders three times by acquiring Alonzo Mourning and Tim Hardaway; drafting Dwyane Wade and trading for Shaquille O'Neal; and signing LeBron James and Chris Bosh. All "whales" as Riley likes to label them.
Now, he'll be expected to reach those heights as soon as this summer.
"He's got a big challenge ahead," said Golden State coach Steve Kerr, who has gone against Riley's teams as a player, executive and coach. "They've had some really difficult things happen over the last year or two and it's a really hard thing to do.
"But that's what makes his accomplishments so special, he's done it multiple times with different franchises. You have to get lucky and you have to be good."
[Miami Heat players would headline alternate NBA All-Star Weekend]
[While his teammates are hitting the beach, Heat forward James Johnson will be hitting the weights]
[Mailbag: Who should the Miami Heat label as untouchable at trade deadline?]
Riley, who as a coach won four titles with the Lakers and got the Knicks to the 1994 Finals, was brought in by owner Micky Arison in the summer of 1995, one the two most impactful hires in South Florida sports history along with the Dolphins adding Don Shula. In two years he nearly doubled the Heat's win total from 32 the year before he arrived to 61 in 1996-97.
That team was stonewalled, first by Michael Jordan and then by the Knicks and it was time to break it down. The Heat went from 50 wins in 2000-01 to 25 two years later. And then, after drafting Wade and making another blockbuster deal for O'Neal, Miami was back in the 60-win range (59) in 2004-05 and captured the franchise's first title the next season, after another flurry of moves to surround Wade and Shaq with the right pieces.
"A lot of people think rebuilding is easy," said Derek Harper, who was raised in West Palm Beach and played for Riley in New York. "But people don't like going down that road is because it's a difficult challenge.
"That is a tough, hard-nosed, hardworking intelligent freaking guy. He's smart beyond smart."
That 2006 title team had a short shelf life and two years later Miami was in the midst of its worst-ever season, finishing with 15 wins. But by then Riley already was scheming for the summer of 2010 and had started making moves – shipping Shaq to Phoenix – to land the biggest free agent score in history.
Welcome LeBron and Bosh.
"If he's a card player he's always going to double down, triple down," Spoelstra said. "If he's playing Hearts he's always going to shoot the moon.
"That's one major quality of his brilliance his ability to think bigger than almost anybody."
Harper, who starred at the old North Shore High School in West Palm Beach and then Illinois, now is a television analyst for the Mavericks, is confident that Riley will have the Heat among the elite again.
"He is one of the most intelligent people when it comes to building a team," Harper said. "He knows what it takes to win and he certainly knows talent. He has an uncanny ability to make mediocrity great."
One reason – and there are many – the Heat are not the Knicks or any other team stuck in prolonged stretches of losing and mediocrity is the stability from the top on down. For the last decade and a half New York has made poor decision after poor decision with trades and free agent signings, adding short-term fixes to a long term problem.
But Arison has full confidence in Riley who has full confidence in Spoelstra that if a reset is required and that results in a losing season, nobody's job is at stake.
"When you have the track record of somebody like Pat you have more trust, from the organization, from the fans, from the media," Kerr said. "He's earned as much trust as anybody could possibly have."
Riley's game plan to improve this team likely will not be completed until the season's ends not that Miami has ripped off 14 wins in its last 16 games and suddenly are in the playoff hunt.
One month ago the Heat appeared headed toward a high draft pick and possibly a dizzying trade deadline. Now players like Dion Waiters and James Johnson and even Goran Dragic, at one time thought to be expendable or commodities, could be playing their way into Riley's future plans and Thursday's trade deadline may not be as exciting.
But this much is known: With Miami expected to receive cap relief from Chris Bosh's salary, the Heat could be looking at $40 million minimum of cap space this summer.
Pat Riley has done more with less.
[Want more Heat news sent directly to your Facebook feed? Make sure to like our Heat Facebook


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Cities around the globe are facing enormous pressure to maintain sustainable transportation systems. Transportation being a huge factor determining the quality of life for populations living in urban areas.
Which cities are doing the best job at addressing these pressures in innovative and sustainable ways? Arcadia a consultancy for natural and built assets looked to explore this question further with its 2017 Sustainable Cities Mobility Index
Their research examined 100 global cities across 23 factors to give an indicative ranking of the mobility and sustainability of their transportation systems. The factors ranged from system connectivity and environmental impact, to affordability and financial stability.
Hong Kong earned the top spot due to the 12.6 million passenger journeys every day. It is also cheap by international standards and it accounts for 90 percent of all daily journeys in the Asian metropolis, the highest rate of any city in the world.
The rest of the top-10 was dominated by cities in Europe with Zürich, Paris, Prague, Vienna, London, Stockholm and Frankfurt all present. European cities all scored well with categories related to environmental impact and overall emission levels.
The most noteworthy US city in the ranking was New York, though it only came 23rd overall. That might actually be surprising to some New Yorkers who lose a collective 35,000 hours every weekday waiting for trains that do not show up. Nevertheless, NYC did generally well as its subway system is very extensive and operates 24 hours.
Top 10 ten cities in sustainable transport:
1. Hong Kong
2. Zurich
3. Paris
4. Seoul
5. Prague
6. Vienna
7. London
8. Singapore
9. Stockholm
10. Frankfurt


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Imagine not having to bring along any coals or messy BBQ parts to grill at your next tailgating party. Since most of us grill when it's sunny outside, a solar-powered grill makes a perfect sense and alternative to the usual grilling methods.
The grill isn't hooked up to any electric grid with solar panels. It's a grill designed to use the sun to the heat the surface of the grill without any gas, coils, electricity, or fire lighting. A concave piece of metal is coated with a mirror that focuses the sun's ray towards a panel in the middle that acts as the cooking surface.
The concept came from from a Swiss company, Tammock Trading and Marketing, which invented the first powerful backyard grill. The grill only needs to be unfolded, aimed at the sun and the grilling starts immediately.
It's available for $240 (US) and essentially can be used anywhere per the inventor's site, where fire or smoke is forbidden.- Product Page


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Highly Reliable Honda Motorcycles Services
Many remote places lack proper infrastructural development including lack of the main roads that connect people to interior residents, but motorcycles ease the transport process because they can penetrate even in small paths. In the essence of coming up with the best motorcycles that are efficient even on rough paths, many motorcycle experts have introduced the best Honda motorcycles that are durable, efficient and comfortable while riding. Thus, it is advisable for every person with a dream of riding the best motorcycle to make a dream come true by accessing the services of the best Honda motorcycle company either using online services or physical contacts.
The most dependable Honda motorcycle company offers many customized features to the clients to enhance riding efficiency in various incidents such as; competition, sports, cruising, super-sport, dual sport, adventure and touring. It is undoubtedly true that highly remarkable Honda motorcycle company avails many Honda accessories and parts that customize riding to the convenience of the clients which involves; exhaust, brakes, crab systems, wheels, tires and helmets. The most important thing about the services of the most convenient Honda motorcycle company is the fact they train the clients on the riding and use of all parts as well as ensuring that the Honda motorcycle is serviced well enough to assure that every part is perfectly accurate.
The most reputable Honda motorcycle company absorbs a large pool of highly trained mechanics and sales staff who hold high credentials in motorcycle handling and vast experience in a certain field of specialization. It is unbelievably true that highly dependable Honda Motorcycle Company makes a point of getting legal certifications with relevant statutory bodies and also obtains membership with reputable standardizing bodies to assure clients of quality service provision. Furthermore, the most caring Honda motorcycle company motivates the services of the employees by making sure that they are fully insured and bonded by honest organizations against injuries in emergency cases.
The Art of Mastering Dealerships
The most fascinating services of the most reputable Honda Motorcycle Company not only offer competitive prices to the clients but also maintains excellent relationships with national and local credit unions or lenders to help the customers in financing used or new Honda motorcycles. In addition, the most concerned Honda motorcycle company builds their website using the latest technology to provide features that are customer oriented and icons to access the inventory where the customer can make the best choice from the varied motorcycles. In a nutshell, the most experienced Honda motorcycle company uses their extensive selection and high expertise in choosing the best Honda motorcycle that will definitely match the customer's budget after necessary consultations.Case Study: My Experience With Motorcycles


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ATV and Off Road Vehicle Insurance
Your ATV is your off-road ticket to freedom and fun! But before you hit the trails, you'll want to make sure you've got the protection you need to enjoy your rugged adventures worry-free. That's where we come in. American Family ATV insurance safeguards you from the unexpected. And because we know no two four-wheelers are alike, our customizable coverages help protect your unique ride — giving you the confidence you need keep your off-road dreams going strong.
Not sure what ATV insurance coverage is right for you? An American Family Insurance agent is happy to help. Connect with your agent to get an ATV insurance quote today to get started.
What Is Covered with ATV Insurance?
Whether you use your ATV to hit the trails or get work done around the farm, these coverages will help keep you protected.
Comprehensive ATV protection
Blazing your own trail can come with the occasional bump in the road. But don't get sidetracked by a setback! Our comprehensive and collision coverage helps protect against most accidental damage or loss to your ATV.
Liability protection for ATVs and off-road vehicles
Accidents happen. And, as an ATV owner, you could be held responsible. Our liability coverage helps protect you and anyone operating your four-wheeler with your permission — it can help you pay for property damage, first aid, medical and court costs so you can stay focused on your growing dreams.
ATV gear protection
Safety should come first when you hit the trails — that's why we offer protection for your gear. Get up to $1,000 of safety apparel coverage for your helmet, boots and other gear and ride on worry-free.
Additional insurance coverage for your four-wheeler
So, you've accidentally backed your four-wheeler into your car. Now what? With our collision deductible waiver, if both your ATV and car are insured with collision coverage by American Family Insurance, we'll waive one of the deductibles — saving you money and worry.
What Is the Average Cost of ATV Insurance?
On average, your ATV insurance can cost anywhere from a few hundred dollars to over a thousand dollars per year. The cost for ATV insurance varies per owner depending on a number of factors, including:
- The state you live in
- Your driving history
- The make and model of your ATV
- What you use it for
- How much coverage you purchase
Added Protection for Your ATV and Off-Road Vehicle
Medical expense coverage
If you're hurt while on your ATV, this will help pay for medical care to get you back to your old self.
Uninsured motorist coverage
This protects you if you or anyone riding your ATV is hurt in an accident that was caused by an uninsured vehicle or a hit-and-run driver.
Underinsured motorist coverage
This helps pay for the balance of an accident when another driver is at fault and doesn't carry enough insurance.
*Additional coverage options may vary by state.
Have Questions About Getting ATV Protection?
Every ATV rider is unique, so it's not always easy to know what kind or how much insurance to get. But we're here to help! If you've still got questions, see our ATV insurance FAQs, study up on the variety of ATV insurance discounts we offer and learn more about why people choose American Family.
Get an ATV Insurance Quote Today
When you're ready, an American Family Insurance agent near you is happy to help you choose exactly what policy and price is right for you. Connect with your local agent today and get your four-wheels the custom protection they deserve.


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Jazz truly illustrates the versatility of the guitar. From the intricate solos of progressive jazz to the understated jazz elements of modern pop music, this style has had a huge influence on just about every form of modern music and, of course, it has greatly affected the way we play the guitar.
Read below to learn more about jazz guitar and listen to some samples of its various styles and techniques. Each lesson is prepared according to the student's particular goals and the examples below provide only a general sense of the many things the potential guitar student can learn. Learn to play jazz with Paper Moon Music private jazz guitar lessons in San Diego!
Jazz music grew out of American Blues and Ragtime styles of the early 20th century and is noted for its emphasis on improvisation. When we think of Jazz, we often imagine a complex and confusing style of music full of difficult chords and wild instrumental virtuosity. This is indeed often the case, but Jazz need not be confusing or even hard to play; many Jazz and Jazz-style songs are in fact quite simple even for a beginner. This fact is evident in the widespread influence of Jazz (with the guitar figuring prominently!) in a vast array of popular music. Remember, you don't need to know how to read music or understand music theory to play the guitar; however, you are strongly encouraged to do so, as it will enhance your enjoyment and knowledge of both music and the guitar. Jazz guitar can be a theory-intensive musical genre, but the fundamentals of this style can be taught to the intermediate or beginner guitarist, just like any other style.
The "standard" Jazz of guitar legends Wes Montgomery and George Benson, the distinctive flair of Django Reinhardt's Gypsy Swing, and the fiery Spanish Jazz/Rock of guitarists like Al di Meola, are just a few of the styles that fall into the Jazz genre. More than any other form of music, Jazz offers the guitarist the widest range of sounds.


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Still no charges against Edmonton man accused of threatening Muslim women with noose
Edmonton police have handed the case of a man accused of threatening Muslim women with a noose on an LRT platform — while singing O Canada — to the office of the Crown prosecutor.
The incident took place Nov. 8 when two young women were standing on the University LRT Station platform at around 8:20 p.m.
A man approached them and, as cellphone video footage later showed, took a rope from his pocket. The man began tying the rope into a noose and dangled it from his hand, threatening them by saying, "This is for you." He then sang O Canada at them.
Edmonton police released a photograph of the man and, in early December, the hate crimes unit put out a news release saying the man had been taken into custody. The man was later released with no charges being laid.
According to Scott Pattison, spokesman for Edmonton Police Service, the file has been transferred to the Crown's office as a matter of standard protocol and police are awaiting recommendations. When those recommendations arrive depends on the workload the Crown's office is facing, but it is expected within the next few weeks, police said.


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I told D he was not allowed over for at least two days. I really need to recuperate. I have once again started up with my coffee binge (that's two espressos a day instead of my usual one). That's not good in itself as it leads to dizziness. But then when I go and add alcohol and sex to the mix (and lack of sleep) it becomes lethal. It's only a matter of time before I run myself into the ground. I actually left Kelly's class twice this morning because of dizziness. I thought I was going to pass out or die.
She talked about "balance" in class today, about the importance of balance and how your mind, not just your physical body, needs to work extremely hard to achieve physical balance. When I start eating junk and drinking excessive amounts of coffee, I am truly upsetting the balance. Mind, body, spirit; all of them are affected. I need to pull back, rest, and reset my mind to focus on balance.
I'm currently reading: "Buddhism for the West." It's a rather old book and smells horribly old too. But it's good. It talks about clasping your hands together to pray or bow. How that symbolizes the "coexistence of two inseparable worlds…two aspects of one Cosmic life." I liked that. It leads me to believe that the strife, imbalance and addiction, at times, inside me, belongs there, but can be quelled and coexist with the more peaceful side of who I am.


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San Francisco: Top 5 Things To Do On the WaterfrontMarch 2011
On Saturday, January 27th , at about 11:55 am, I was proven wrong for the second time that day. The first time happened during an early morning trip to Alcatraz Island while on a girlfriend getaway to San Francisco. I whined and complained, insisting we skip over this visit, or just do the spooky evening tour because, I argued, what the heck is so interesting about an old prison on a deserted island in the middle of San Francisco Bay?
I discovered, to the glee of my friends, who had put their collective foot down on seeing Alcatraz, that "The Rock" was a fascinating place. How could I possibly have thought an island full of riveting history, with a pretty cool retro prison whose cold steel gray walls echo with the voices of famous past inmates such as Al Capone and Richard Stroud, be at all boring? Add in gorgeous rock gardens bursting with color and laden with fragrant old roses, fantastic views of San Francisco Bay sparkling in the early morning sun, and I was hooked. I even wanted to sign up for all of the National Park events happening on island that day.
After being dragged back to the mainland by my friends, I then suggested, since we were only in San Francisco for the weekend, we ditch the waterfront and explore another part of the city After all I said, everyone knows that this city's waterfront is not a happening place.
Again, incorrect.
By 11:55 am we'd paid a visit to the sea lions basking in the sun on Fisherman's Wharf, checked out a chocolate warehouse on Pier 17, shopped along the outdoor market stalls on Market Street and finally ended up in San Francisco's new Ferry Building for some retail therapy and lunch.
San Francisco's waterfront is evolving into a unique and exciting destination thanks in part to the devastating earthquake in 1989. The old Embarcadero Freeway along the waterfront was severely damaged, so the city decided to demolish the remnants and instead develop a ground level boulevard connecting the city with a walkable, bikeable and livable waterfront space. There is no better way to enjoy a sunny morning in San Francisco than by walking along the waterfront exploring this revitalized part of the city, and I'm glad I was proven wrong.
Top 5 Things to do on the San Francisco Waterfront:
Alcatraz Ferry Terminal on Pier 33
Start with an early bird (remember the early bird catches the worm) ferry to Alcatraz Island provided through Alcatraz Tours. Buy your tickets online to avoid lineups. The bonus of going on the first ferry boat of the day is you'll be sharing the boat with a mere few hundred people as opposed to thousands, and yes I'm exaggerating, but not by much!
Fisherman's Wharf on Pier 39
Once you've made the return trip from Alcatraz, head over to Fishermen's Wharf and take a peek at the sea lions, they are a spectacular sight. The numbers of lions have fluctuated in the last few years. In the past the wharf was home to thousands of these cute creatures but in 2009 they suddenly disappeared, and are now slowly trickling back to the relief of tourists and the city. No one knows why the lions left; but I'm thinking Fisherman's Wharf was getting too touristy for them!
TCHO Chocolates on Pier 17
Halfway between the Alcatraz Tours and Ferry Building, stop at the TCHO Chocolate Warehouse, where you can take a tour, or sample some of their wonderful rich hot chocolate. If you're a true fan of the dark, try ordering a TCHOspresso, it's quite an eye opener!
This quote on TCHO's homepage describes TCHO perfectly:
"You know that chocolate river in Charlie and the Chocolate Factory? Mr. Wonka takes a cup and dips it into the river, and when Charlie drinks it, it is perfectly creamy and delicious and warms him to his very toes. I've been looking for a chocolate experience like that for 40 years. The drinking chocolate – it is as close to chocolate nirvana as anyone will ever, ever get. I swear it. Now, go try it." Yelp Feb 24, 2011
Hippie Nirvana
Head over to Market Street and Embarcadero, about a 10-minute walk from TCHO's, to get a quick hippie fix at the outdoor stalls set up along Market Street, pick up one of many variations of peace sign jewelry and tie die creations on display throughout the market.
Ferry Building
End your morning on San Francisco's waterfront at the newly restored Ferry Building. This newly restored building is chock full of cool, hip boutique shops and food markets. San Francisco's largest farmers' market is held there on Saturdays from 8 am to 2 pm, and on Tuesdays and Thursdays from 10 am – 2pm, year-round.
For lunch head over to the legendary Slanted Door Restaurant for some Vietnamese-inspired deliciousness but be sure to make reservations beforehand or grab a seat at the bar because this place is popular!
San Francisco City Guides is currently offering regular walking tours of the Ferry Building. Tours are free and start at noon on Saturdays and Tuesdays. Tours coincide with the Ferry Plaza Farmers Market.


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Lisa from Paper Bliss
This week we're also excited to
welcome three Guest Designers.
Please be sure to stop by their blogs
and leave them a little crafty love.
Anna from Anna's Handmade Cards
Carol Gill from Crafty-Stamper
Carol from Something Gone Missing
How's that for some great inspiration? This challenge
will be open until October 25, and you can enter
as many times as you like, as long as your project
was made and posted during the challenge period,
and you link that post to this challenge blog.


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« view all Koh Phangan • Hotels
« view all Koh Phangan • Hostels
19 Moo 1, Thong Sala / Bantai, Koh Phangan, Thailand | map
Why this hotel? Close to the pier. Beachfront location. Popular choice. Free WiFi.
7.4 Very Good - based on 695 Agoda reviews
Great-value beachfront resort on Thong Sala Beach, close to the pier and walking distance into town. Also a great choice for those who come to Koh Phangan for the parties.
Each well-appointed villa features an open-air bathroom and hammock, so you can enjoy the sun and the breeze or relax by the beautiful pool with sea view.
The resort's friendly staff can help organise tours and activities such as snorkeling, sailing, island-hopping, diving, rock climbing, etc.
venue: Hotel | features: bar, restaurant, swimming pool, massage, free wi-fi
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Beachfront resort. Fantastic views Popular choice. | click here
Close to the pier. Beachfront location Popular choice. | click here
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Beachfront location. Close to Half Moon Party Great value. | click here


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What Is a Triple Credit Score?
When you're looking for a free triple credit score, you want to know precisely what a free triple credit score is and how this information can help you understand the ins and outs of credit and credit management. A triple credit score is a vital part of a three-in-one credit report that displays your credit information and credit scores from each of the main credit-reporting bureaus in the U.S. — TransUnion, Experian and Equifax.
This is a bigger deal than you may think, because without a triple credit score, you'd have to contact each of the credit reporting agencies individually to receive this important information.
A free triple credit score provides:
- A comprehensive view of your creditworthiness
With a free triple credit score in hand (or on your screen), you can see a complete overview of your credit behavior, along with your score from each of the credit reporting bureaus.
- A valuable tool to manage your credit effectively
In order to properly manage your credit — and thereby affect your credit scores — you need to know as much as possible about how lenders perceive you as a risk and potential client. A free triple credit score is just one more tool in your financial toolbox — and a very handy one, at that.
- A glimpse into what lenders see when you apply for credit
When lenders pull up your file, it's very helpful for you to know what they'll see and how it influences their decisions — not just about your application but also your interest rate, credit limit, and other factors that directly affect you and your finances.
- The convenience of having all three of your credit scores in one place
Not having to contact each credit bureau for your credit score saves you time and the aggravation of having to put all your contact information into the fields of each bureau's website. Your free triple credit score allows you to see all your scores in one place — and it's free. What could be better than that?
A free triple credit score is a valuable tool. Not only does it help you understand and manage your credit, it also allows you to see all your credit scores and credit report information in one place. Even better, some credit-monitoring services allow you to receive a newly updated triple credit score and report every 30 days. Having continual access to your up-to-date information makes it even easier for you to manage your credit.
Read More About Managing Credit
- Why buyers and renters should check their credit scores
- Will my unpaid taxes appear on my credit report?
- Are You Aware of the Risk of Identity Theft?
- Can Your New Date Lead to Bad Credit?
- Keep Your Credit Score and Personal Information Safe with Credit Monitoring
- Credit Cards in 2012
- Saving and Budgeting in 2012
- How to Avoid Holiday Identity Theft: What You Need to Know
- Tips for Holiday Shopping with Less-than-perfect Credit
- 7 Tips to Help You Save Money on Your Holiday Travel
- Good Debt vs. Bad Credit
- Check Your Credit Score When Buying a Home
- 3 Ways Your Partner's Bad Credit Can Hurt You
- Unpaid-tax Liens Can Hurt Credit Reports
- Credit Score Fluctuations Are Normal
- Lack of Credit Card Limits Can Hurt Credit Scores
- Beware Credit Scams this Holiday Season
- How Prison Affects Your Credit Scores and Finances
- Divorce Can Affect Credit Scores and Personal Finances
- Managing Your Online ID Could Help Personal Finances
- What Is a Credit Freeze?
- What Is a Triple Credit Score?
- Canceling Your Credit Card Damages Your Credit
- Does Having Too Many Credit Cards Affect Your Credit Score?
- 6 Areas of Your Life Where You Can Save Money
- Tax Season: One of Life's Few Certainties
- Protect Your Credit During a Divorce
- How Pre-Approved Credit Cards Hurt Credit Scores
- Marriage and Credit
- What's Bad for Your Credit History
- Annual Credit Report Monitoring
- Is AnnualCreditReport.com Enough for Your Credit Management?
- How To Choose a Credit Monitoring Service
- What You Miss with DIY Credit Monitoring
- Could Mortgage Fraud Be Killing Your Credit?
- 10 Reasons You Need Credit Monitoring Service
- Smart Ways to Finance an Investment Property
- Home Refinancing for Bad Credit
- Student Loan Options for Bad Credit
- Differences Between 3 Credit Bureaus