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Recently I've been discussing with bankers, economists, strategists and futurists the future of the banking industry. At a time when we've got the likes of the "Occupation of Wall St" (#OWS) through to discussions in various camps about the very survival of banking as we know it, a question you might ask is how did we get here so quickly? 10 years ago, discussing the collapse of the modern day banking system and widespread loss of trust in bankers, might have been ludicrous, unthinkable – but today it is happening.
The New Normal is inherently unstable
As bankers most of us would have preferred if things had just stayed the same as they were, or at least returned to the 'good ole days' once the dust from the global financial crisis had settled. Instead we're faced with talk of a "New Normal", of increased volatility and of sustained uncertainty. There's now a growing concern that a Greek default will trigger a crisis in the Eurozone, which in turn will bring on a new 'great depression'. It is not lost on the public at large that this is a financial crisis we probably didn't need to have. It is a financial crisis that was bought on by the ultimate in speculative investment behavior, the creation of financial instruments designed to create wealth and trading momentum from underlying, sub-prime debt that really should never have been readjusted as collateralized 'AAA' rated securities. So here we are today with so called blue-chip or developed economies which have higher volatility and risk, than so-called emerging markets. Since when did China and Brazil become better bets than the US as investments?
The perfect storm for a financial system in crisis is not just the failure of the banking system to self-regulate, or the default of sovereign nations in respect to servicing their national debt. The perfect storm is driven by three primary mechanisms that aren't normally discussed as macro-economic factors, but are critical as part of a discussion around reforming the banking industry. They are:
1. Increased Transparency and Visibility
2. The Reassessment of the role of Risk and Regulation, and
3. The Loss of Physicality
Adjusting to a Transparent World
The response to bailouts, banker bonuses, new rates and fees structures, and to the financial crisis itself is indicative of the fact that bankers can no longer just assume that the public at large will trust that banks know what they are doing. How has the industry at large responded to this increased transparency? At first with incredulity, then with a defense of the indefensible, and finally with begrudging acceptance.
There are still many banks today, for example, who not only prohibit the use of social media in the bank workplace, but refuse to engage with end consumers in any really useful way through social media. In a world where dictators can be overturned, where public opinion is expressed in mentions, tweets, likes and fan pages, and where consumers can be as loud and effective as your most expensive marketing initiative – how do you adjust?
Understanding that you now answer to the public and you need to defend your positions with openness, logic and fair value, Brian Moynihan's defense of BofA's recent fee hikes shows a lack of nuance in this new, socially transparent world:
"I have an inherent duty as a CEO of a publicly owned company to get a return for my shareholders," Moynihan said in an interview with CNBC's Larry Kudlow at the Washington Ideas Forum… Customers and shareholders will "understand what we're doing,"… "Understand we have a right to make a profit."
Brian Moynihan, CEO – Bank of America
As a bank you do have the right to make a profit, but customers now understand more acutely than at anytime in history that they have rights too. It's not that customers don't want to pay for banking, it's not that they are unreasonable; it's that they now demand value and they are assessing that value, and exposing your shortcomings when you don't meet up to their expectations.
In this way, what we need to do as an industry is better understand our value in the system. Right now we have trouble articulating that because we've become too historically focused on 'banking' as the system, rather than banking as a financial service to those that have the right to pay and choose. The balance has tipped in favor of the voice of the consumer.
There are bigger Risks than Risk
I was in a conference in Oslo earlier in the year and talking about the need for retail banks to adjust to serving their customers better, no matter when or where they needed banking, and a banker in the audience defended the need for a strict, traditional approach to physical KYC (Know-Your-Customer) because banking is first and foremost about 'managing risk' – at least that's what he said. With our almost myopic focus as an industry on risk management and risk mitigation, we've perhaps missed the biggest risk of all – the fact that we are putting so much of the risk workload back onto the customer and the front-end of the business, that we're starting to become a problem.
I've talked at length previously about the huge amount of time the front-end staff and customers spend in an attempt to reduce the potential legal or regulatory enforcement risk. When I, as a customer, am spending 50%, 60% or perhaps 90% longer doing a simple task like opening an account or applying for a loan than I did 20 years ago – do I see that as progress, or do I feel it a burden? Do I see such moves as a reduction of risk, or do I merely see it as an increase in complexity? In such a risk adverse environment, the bank is no longer serving the customer, the customer is serving the bank – and the customer is increasingly getting intimidated by the thought of having to navigate this complexity before he can get to the actual product or service he wants.
If you look at the biggest consumer shifts in the last 15-20 years, the biggest shifts have been driven around change in process or distribution that makes life simpler and easier. Here's a few examples:
The threat here is complexity, and invariably as we try to manage risk, we're actually making customer facing processes more complex. This is bucking the trend of almost every other core customer interaction we're seeing today.
The Loss of Physicality
I recently posted on American Banker | BankThink about my views around branches, checks/cheques and all things physical in banking. I suggest you read that separately, but a key consideration or thought in that article is as follows:
"The bank is no longer a place you go. Banking has becoming something you do. It is now contextual, and measured in terms of utility – how easily someone can use bank products or services to accomplish a task like shopping, traveling or buying a car or a home. The more a bank insists on physicality, the more it risks becoming irrelevant to customers who no longer cherish the traditional processes and artifacts. In just four years, that will be the vast majority of your customer base – not a marginal demographic, as some would prefer to believe."
In this environment, retail banking is ripe for disruption. Why? Because instead of understanding the shifts around us, we're digging in – levying fees, increasing complexity, and arguing that customers are just going to have to suck it up. After all, where else are they going to go?
Increasingly customers have a choice. Whether it is pre-paid debit cards, mobile wallets, PayPal, or other challenges to day to day financial interactions, the concept that as a regulated industry we're protected from having to make the hard decisions and actually reform the way we work, is foolhardy.
We need to start working very differently…
© 2020 Breaking Banks


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Lauren Gloudeman
Senior Analyst
Lauren Gloudeman is a Senior Analyst with Rhodium Group's China Markets Research team.
Lauren focuses on China's trade dynamics and US-China trade policy, the property market, and China's impact on commodities markets. She also manages the Rhodium China Activity Tracker (R-CAT), and facilitates collaboration with Rhodium's China practice on macroeconomic reform. She is based in New York.
Previously, Lauren worked with the U.S.-China Economic and Security Review Commission, the Office of the U.S. Trade Representative in Beijing, and the Congressional-Executive Commission on China. She received a Master's degree in International Economics and China Studies from the Johns Hopkins School of Advanced International Studies and the Hopkins-Nanjing Center, and a Bachelor's degree from the University of Virginia.

subset: commoncrawl


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"Eagle Scout is the highest rank in the Boy Scouts. Most guys spend a few months, maybe even 6 months, working on a cap stone service project in their community. That's great, but I wanted to do something more. I was born in Krasnoyarsk, Russia. My parents, Dwight & Jennifer, adopted me when I was just a year old. Thinking about my Eagle Scout project I read some of the journals my parents kept when they were in the process of adopting me and I was struck by the description of the playground at the hospital I was born in – it was just a small rusted swing with a rotten seat and a sand pit filled with mud. That just wasn't right – and I was going to fix it.
It took two and half years of planning and over 700 hours of work, but on August 12th, my 16th birthday, I helped build a brand new playground at that hospital. There were so many challenges along the way, language and distance among, them that I was so glad to have found the KaBOOM! online playground project planner. The easy step-by-step process led me through what I would need to do to build this playground, and since I'd never done anything like that before they quickly became my go-to resource."
– Alex Griffith, Forest Hill, MD
Alex overcame all the hurdles associated with building a new playground across an ocean and in a different language, and succeeded in building an amazing new playground for hundreds of kids.
Play it forward with a donation today to support playground builders like Alex, and all the ones to come.


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It's the start of 2017 and our collective global love affair with smartphones for research, shopping, personal assistant capabilities, and thousands of other applications has placed mobile marketing at the forefront of marketing trends.
Reuters predicts that more than 75% of Internet use in 2017 will come from mobile devices, leading forward-looking integrated marketers to plan mobile-first. Small Biz Trends has outlined four mobile marketing trends to consider for the coming year.
Mobile Search
Responsive design allows your small business to rank favorably with Google, but that is no longer enough. You must also consider the mobile keywords and search phrases associated with your business, search engines' expanded targeting capabilities, and other technological developments. Google's recent announcement that they will now index the mobile version of sites whenever available (rather than the desktop version), means that more effort than ever must go into mobile site design that emphasizes the user experience.
Mobile Payments
CMO.com reports that 61% of time spent on retail sites is on mobile devices. As a result, the market has seen the rapid adoption of mobile wallets (i.e.: Apple, Android and Samsung Pay) as consumers—particularly millennials—eschew credit cards and cash for the ease of paying with mobile devices. Small Biz Trends also points out the growth in re-targeting based on consumer Internet searches will increase purchases, as offers 'follow' consumers across various websites.
Mobile Apps
New apps are launched every day, introducing new opportunities and conveniences for consumers and marketers—including capturing payment and shipping information for greater conversion. Smart Insights points out that 89% of mobile usage is on apps, and app revenues in 2017 are expected to exceed $77B. Mobile apps are expected to grow in the areas of location-based services, artificial intelligence and augmented reality.
Mobile-Only Social
The biggest mobile trend of all is the rise in mobile-only social platforms including Instagram, Snapchat and Periscope. These networks are accessible only on mobile devices, making them a growing prospect for small businesses and consumers. Small Biz Trends reminds marketers that while a presence on multiple mobile-social platforms is recommended, each platform must feature unique messaging.
Mobile's steady year-over-year growth makes it essential that integrated marketers continue to look into new ways to reach consumers of the medium, ensuring that the latest technologies and consumer preferences are a part of the strategy. At present the greatest growth is in traditional mobile devices, but it behooves marketers to keep an eye on emerging markets as well, including wearable devices.


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Words from the Other Woman: An Interview with Rebecca Halton
Rebecca Halton didn't set out to have an affair with a married man. But for six months in her early twenties, that's exactly what she did. The girl who grew up in a Christian home, attended a Christian college, and had always judged "the adulterous woman," found herself in a situation she never anticipated.
That's not where her story ends, though. Her story is, as she writes in her book Words from the Other Woman: The True Account of a Redeemed Adulteress, "the story of how I fell from grace, and then how graced saved me."
In her book, Rebecca writes candidly about the affair. While she's vague in specifics, in an effort "to protect innocent people directly or indirectly involved," she speaks truthfully about how the relationship was wrong and the responsibility that was hers. Now, on the other side of the affair, Rebecca is an advocate for "Christ-centered relationships and boundaries in co-ed friendships before and after marriage."
I recently had a chance to chat with Rebecca via email. We discussed the affair, how she's learned to forgive but not forget, and what life looks like for her now.
Being "the other woman" wasn't a role you envisioned yourself in. You grew up in a Christian home, attended a Christian college, and considered yourself a "good girl," so how did you become entangled in an affair?
The main red flags I could see in hindsight are these:
- I had become really complacent. I had so much community and emphasis on spiritual discipline in college, that I thought I didn't need to be as intentional after.
- I was prideful. It's true what the Bible says about pride before the fall. I was prideful and thought I could never do what adulterous women were doing.
- I lacked accountability in my life. I lived alone, so I didn't even have the "built in" accountability mechanism of a roommate, to whom I at least had to explain who this guy was and why he was coming over.
- I wasn't seeking the Lord for the love, affirmation, etc., that I was so deeply craving. On a very simplified level, think of what happens when you go grocery shopping hungry: things end up in your cart that you wouldn't normally look to for satisfaction.
For you, the attention you received from this married man, made you feel powerful. Can you elaborate on this and why it can be an area of temptation for us as women if we aren't on guard against it.
Feeling desired can be very empowering. Empowerment isn't always a positive, though, when in my case it empowered me to make wrong choices. I know this was wrong to think, and may be hard for some readers to "hear," but to feel like a man desired me more than his own wife felt very affirming. And prior to meeting him, I was very in denial about how much I longed for affirmation. In denial about that longing, I was also in denial about how vulnerable I was to having it met in the wrong ways.
Something that stood out to me was your statement: "Thinking I wasn't capable of making some of the choices I made was another one of my first mistakes." I've talked to other women who have found themselves in a similar situation and have told me, "I never imagined this could be a possibility." Why is it important for us to realize, as Rich Mullins once wrote, "we aren't as strong as we think we are"?
What a great quote! I mentioned before that one of the "red flags" was pride. When we're prideful, I think we more susceptible to making foolish choices because I think pride has this "false invincibility" effect. We think we're above certain consequences, which can blind us to the riskiness of some of our choices. It's like thinking we can carelessly walk right into a minefield; there are minefields in life and relationships that we shouldn't even think about stepping foot onto.
You share the emotional strain and anxiety that became a daily part of your life as a result of your relationship with a married man. What finally caused you to end the affair?
A couple things: The man I was committing adultery with would periodically say he wished he could give me more of the relationship I deserved. It took me months, but I finally got to the point where I believed that for myself! The other thing was prayer: I had confided in several friends and a couple family members, and I know they were praying for me. I can't take all the credit for my choice: I had people interceding for me, to have the strength and courage and steadfastness to finally, truly, walk away.
In one chapter, you write, "You can forgive and be forgiven, but I don't think you should forget." Why is it important to remember?
It's the memory of my mistakes and pain, and God's mercy amidst them, that inspire me to avoid making choices that could lead me down the same path. Why do children avoid touching a hot stove if they've done it once before? Their little hands heal, but they (hopefully) avoid doing it again because they remember the pain! I'm so thankful for the freedom of redemption and forgiveness: I've been liberated from any guilt or shame, but I'm also thankful I remember why it is I don't want to ever make those choices again.
As I read your book, I not only appreciated the vulnerability with which you share your story, but also the responsibility you take for the decisions you made. You make no excuses for your behavior — and, in a day and age where so many do — I find that refreshing. Was that a hard place to come to?
I did have to overcome initial fears of what people might think if they knew, but the more I brought into the light, the more liberated I felt. And the more people I shared with, the more I saw God use my story to help others. The awesomeness of being used like that just makes me want to share as often as I can! Finally, I want to thank my parents here: I grew up being taught to have a strong sense of personal responsibility, and that did inform my decision to own my mistakes. And I think when we own our mistakes, they can't own us.
How did you learn to accept grace and forgiveness?
In life, this is an ongoing lesson. Grace, in particular, is still a beautiful but sometimes baffling gift I can't pretend to always or fully understand. But based on the case of my adultery, I think it's really been a work of the Holy Spirit. What's been within my power, though, is repentance. Repentance was essential. For me, repentance was the pivot point at which I willfully turned from guilt to grace, from bondage to freedom. It's the point at which I acknowledged how much I truly needed the Lord. When that happened, I was receptive — no longer resistant — to actually receiving His grace and forgiveness.
If you could share one thing with another woman who either finds herself facing the temptation of an affair or in the midst of one, what would it be?
It really won't be as satisfying as you think it will be; God has so much more and better in store for you. If I could get you to take me solely at my word, it would be this: It's not worth it. I know it can feel difficult to walk away — I often tell women to brace themselves for "withdrawal," like they're detoxing from an emotional drug — but it's critical that you do. The Bible is clear about the way of adultery and the wages of sin, both of which are death (Proverbs 7:27, on adultery — "Her house is a highway to the grave, leading down to the chambers of death"). God is the Lord of life, and His ways are the High Way to restoration of a troubled marriage, of freedom from condemnation and shame, and of what will truly satisfy our heart's cravings for love and affirmation.
Since writing Words from the Other Woman, what have you been up to? Share with us what life looks like for you now.
God is so good! He didn't have to bless me and use me in the ways He has. I've been blessed to be invited to speak personally about my testimony at churches, small groups, and even back at my alma mater! I also finished graduate school and had some amazing work or travel opportunities.
For more information on Rebecca and her book, visit her website. Photos of Rebecca were taken by Lucy Jodlowska.
When Doing Justly, Loving Mercy, and Walking Humbly Stand at Odds
If your compassion far exceeds your capacity, here's one way you can be sure to do justly, love mercy, and walk humbly.
One of my life verses is Micah 6:8, "He has told you, O man, what is good; and what does the Lord require of you but to do justice, and to love kindness, and to walk humbly with your God?"
It is one of my favorite verses because my heart has been so moved by the love Jesus has for me and the sacrifice He made for me that I am grateful to have a way to express my gratitude through acts of justice and mercy while walking humbly with God.
I have found at times, however, the call to do justice and love mercy come in conflict with the call to walk humbly with God. For me, one of the ways to walk humbly with God is to recognize my limitations. I have to put skin to the fact that I am not God which means saying, "no" to ministry requests. It means going to sleep when I could be spending time advocating for the harrowed and helpless in the world. It means limited seats at my table, limited funds in my bank account, and limited energy in my body cannot be ignored but respected and adhered to.
This is hard for me at times, especially when I scroll my Facebook feed and see friends who are caring for their really sick children, spouse, or other family member all while millions of refugees flee war torn countries and babies are slaughtered by the hundreds each day in our country through the abortion industry.
As I scroll, I receive texts about one family member's surgery gone wrong and another family member announcing a new baby is on the way. I have in mind my neighbor who has inpatient surgery scheduled this week and another neighbor who is trying to hold down a full-time job, care for twins all while battling profound "morning" sickness.
Folks at church are fighting for their lives in physical and spiritual ways, and strangers who pass me on the road are clearly battling something as demonstrated by their impatient honking because I won't take a right turn on red. I want to meet the needs of all; I want to do justice and love mercy, but I'm daily confronted by the fact that I am so limited.
What am I to do when doing justly and/or loving mercy seem to come in conflict with walking humbly with my God?
God keeps bringing me to this answer: prayer.
God invites us to cast our cares before Him because He cares for us.
God tells us to be anxious for nothing BUT WITH PRAYER present our requests before Him.
God commands us to pray without ceasing.
And, when I walk humbly with God, I see the immense kindness in His command.
He gives us a way to do justly, love mercy WHILE walking humbly with Him.
It is by praying without ceasing.
I cannot take a meal or give money to every sick person or family I know. I cannot extend kindness to all my neighbors all at the same time they're in need nor conjure up sustainable solutions for the refugee crisis and contact all the necessary world powers to make it happen.
I cannot heal all, but I know the Healer.
I cannot provide for all the needs, but I know the Provider.
I cannot rescue everyone in need, but I know the Rescuer.
I cannot comfort all the broken, but I know the Comforter.
I cannot speak peace over every situation, but I know the Prince of Peace.
I cannot be all to all, but I can go to the Great I Am through prayer, lay all the people, problems and pleas for help before the Omniscient and Omnipresent God of all Creation.
I can do this through prayer.
Recently, via an Instagram contest of all things, I came upon A–Z prayer cards designed by blogger/author/speaker, Amelia Rhodes. It is a simple concept packed with a powerful prayer punch. It has served me personally in this tension of wanting to do far more than I practically can do. It provides prayer prompts starting with each letter of the alphabet along with a scripture that coincides with the prayer focus. It ranges from Adoption to a creative "Zero Prejudice" for the letter "Z."
The cards are well thought out, color printed on sturdy cardstock with blank lines for the user to write in the names of people and/or organizations that are personal to them.
If, like me, your compassion far exceeds your capacity, pick up a set of these prayer cards and unload your burdens onto a God whose competence matches His kindness, both boundless.
Facing Our Fears in Motherhood
Do you have fears tied to motherhood? If so, here's encouragement for you.
"Are you scared?"
I was taken aback by his question. Scared? Of what?
"Of anything," he answered.
I had just shared my due date with a new class of trainees.
"He has three boys," another new hire volunteered. So fear is to be expected, I reasoned. I'm just about to face the most frightening experience in my life.
Of course I was scared.
I was scared…
- I'll lose my temper.
- I'll whine about sleepless nights.
- I'll breastfeed too often or not often enough.
- I'll leave piles of unfolded onesies in the middle of the nursery floor because I'm too tired (or lazy?) to fold teeny-tiny baby clothes for the upteenth time.
- I'll go with disposable diapers when the better choice would be cloth.
- I'll work too many long hours at the office and miss precious moments with her.
- I'll sign her up for too many activities and push her to become Miss Achieve-It-All.
- I'll pass on to her my ugly pride, self-righteousness, and perfectionism like a dreadful contagious disease.
- I'll miss countless little joys in life while pursuing worthless dreams.
In short… I was afraid I was going to fail miserably as a parent.
And now, holding my second-born daughter in my arms, thinking back on that brief exchange just a few years ago, I realize those fears were well-founded. I've failed many times. I've lost my temper. I've raised my voice. I've worked too much and played too little. I've seen my own sinfulness reflected in my daughter.
Yes, I've failed, but over and above it all, God's grace has covered my parenting imperfections and made me run to the cross day after day. The writer of Proverbs puts it this way:
Whoever fears the LORD has a secure fortress, and for their children it will be a refuge.
Proverbs 14:26
When it comes to fears, we have two choices: Will we fear the unknown or will we fear the Lord? Will we allow the uncertain to grip us in its clutch or will we turn to God's Truth to set us free?
Scared? Oh yeah. There was so much to be scared of that day. And even now, if I'm completely honest, there are still fears nibbling at the edges of my consciousness. Fear that we won't outgrow the temper tantrums. Fear that the two girls won't get along. Fear that I'll mess them up and cause them interminable hours on a psychologist's couch.
I'm sure you have fears, too.
But rather than allow those fears to consume and paralyze us, we can take them to the Lord, acknowledging His sovereignty over our parenting, pleading His grace over our mistakes, and entrusting His provision over their futures. He is not only able to handle it all — He is far more capable to be trusted with it all.
If I say one thing to that frightened 9-month-pregnant me standing in that room years ago, I would say this: Don't let fear rob today's joy with tomorrow's unknowns. Each day has enough worries of its own (Matthew 6:34).
Instead, let us keep seeking God, running to Him as our secure fortress and resting in the knowledge that He will care for us and our children one day at a time.
What are you scared of today? Name your fears and bring them to the Lord, allowing Him to replace them with His peace that passes all understanding.
He Gives Shade To The Weary
If anxiety is a struggle for you right now, remember that He gives shade to the weary.
Do you ever have those moments of fear because you don't know what lies ahead? When do those thoughts tend to happen to you?
For me, most of those thoughts happen when I lay my head down to sleep at night. The vulnerability comes forth every time. That's what happened the other night to me. I shut my eyes and immediately anxiety welled up inside me.
What if we don't succeed in this new venture? What if we have to move? What if we can't pay our bills?
I laid there with the covers drawn tight over my head (I still think that I am safer if the covers are over my head), praying scripture over my anxious heart. Assuring myself that God sees me and that He cares.
In the morning, I turned to Isaiah 41, specifically verses 10-20.
"Do not fear, for I am with you; Do not anxiously look about you, for I am your God. I will strengthen you, surely I will help you, Surely I will uphold you with My righteous right hand." (Isaiah 41:10, NASB)
Yesterday, the "what if's" piled up as I anxiously looked about me. My daughter needs tutoring, however at this point in life, tutoring feels like a luxury we can't afford. So I listed some items online to sell hoping to make just enough to cover the tutoring. I'm buying groceries on a Visa reward card. I'm holding my breath until the next paycheck comes. But what did God speak over me: Do not fear. Do not look anxiously about you.
"For I am the Lord your God, who upholds your right hand, Who says to you, 'Do not fear, I will help you.' Do not fear, you worm Jacob, you men of Israel; I will help you," declares the Lord, "and your Redeemer is the Holy One of Israel." (Isaiah 41:13-14 NASB)
Why shouldn't I be anxious? Because God will hold me up. God will help me. When I first read the word "worm" as a description, I took it as a slam against Israel. Like, gesh, God. What animal does He relate me to? But through further study, He calls them a worm because worms are helpless. They are viewed as insignificant, despised and weak. God will help me — seemingly insignificant, helpless me — because He is my Redeemer. He is my go'el — my next of kin. The Redeemer is the one who provides for all my needs. Rent. Car payment. Credit card bill. Gas. Food. Clothes. Debt. God will redeem.
"Behold, I have made you a new, sharp threshing sledge with double edges; You will thresh the mountains and pulverize them, And will make the hills like chaff. You will winnow them, and the wind will carry them away, And the storm will scatter them; But you will rejoice in the Lord, You will glory in the Holy One of Israel." (Isaiah 41:15-16 NASB).
God is transforming me from a helpless one to a powerful one. The description of that type of threshing sledge is like a modern day earth mover. Powerful. Strong. Immovable.
"The afflicted and needy are seeking water, but there is none, And their tongue is parched with thirst; I, the Lord, will answer them Myself, As the God of Israel I will not forsake them." (Isaiah 41:17, NASB)
He will come to our rescue. God, Himself, will answer you and me. Can you hear how personal that sounds? Have you ever pleaded with someone important whether your boss, public figure, or even a parent, and they responded to the need themselves? You expected for them to send their assistant, but instead they — the most important one — responded to you.
"I will open rivers on the bare heights And springs in the midst of the valleys; I will make the wilderness a pool of water And the dry land fountains of water. I will put the cedar in the wilderness, The acacia and the myrtle and the olive tree; I will place the juniper in the desert Together with the box tree and the cypress." (Isaiah 41:18-19, NASB)
This passage describes the wilderness-like times in life. You are barren. You are thirsty. You are hot. You are in need. God will provide what you need. God will quench your thirst. He will provide shade when you are weary. During those times, God can provide in creative, innovative ways. He can provide something out of nothing. Doesn't that give you great hope? Even when you can't answer how He will do it, He is creative enough to figure it out even when the odds are stacked against you.
"That they may see and recognize, And consider and gain insight as well, That the hand of the Lord has done this, And the Holy One of Israel has created it." (Isaiah 41:20 NASB).
God will do all of this so that His glory will be put on display. People — including yourself — will see that He is powerful.
So you can see how after a night of wrestling with fear and anxiety, reading this was like shade and water for my soul. God is a god who sees. And God is a god who acts on your behalf.
What do you need His help with today? What are you fearful about today? What keeps you awake at night? Where do you need some shade?
Become An Insider!
Welcome to Ungrind!
Hi, I'm Ashleigh Slater, founder and editor of Ungrind. Here at Ungrind, it's our goal to churn out biblically-based encouragement for women. We strive to be honest and transparent about our struggles in a way that inspires hope, faith, and perseverance.
As you read, we hope you consider us friends, the kind you feel comfortable sitting across the table with at the local coffee shop. You can read more about me HERE and our team of writers HERE.
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What Women Are Saying
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Have you ever considered a blue jay feather? It is simply lying on the path when you stumble upon it. It strikes you that this would make a good photograph. What do you do? Most people pull out their point and shoot cameras or iPhones and snap an Instagram type shot and hope for the best.
Luckily, you're not most people. Your looking for impact. Better yet, you want to see the scowl on your mother in-laws face because it's good enough to hang on your wall type impact; and YOU took it.
The challenge in taking this photograph is three-fold:
- You want to focus. You want the feather in complete focus while allowing the background to also have a texture. Texture is important. It adds a character to the picture and lets the viewer identify with it. In this kind of shot texture is good. On most DSLR type there is a P setting or a A-Dep. Use them. Experiment. Most of all, focus on the feather.
- It was important to maintain the contrast between the various blues of the feather and the blacks and browns of the ground. You really want the picture to highlight the differences not only in color but also in texture. The lines that you see in the feather just simple straight black lines. Yet, when you see them in the feather as a whole they are very striking and they give a delightful contrast to the texture of broken nuts and wood underneath it. Contrast can help bring this out. Remember, texture is good. Contrast is good.
- The lighting is tricky. This feather is lying under a large canopy of trees. It is a partly sunny day and that means that at anytime the sun will breakthrough introducing a slashing bright light across the mid-section of the feather. If you aim the camera into this specific area, the camera will try to compensate for the bright light and It would suddenly darken the shot for the picture and everything is black. If you choose the darker areas, then the shot would be vastly over exposed and the color gets washed out. You have to try to get your timing just right. Sure, you can always fix the picture in Photoshop or Lightroom later, but the idea is to try to do as little post-production as possible.
These are but three of the many steps you do when taking this shot of a blue jay feather. But that's just part of the story, Little did you know when it happened, but you would soon be introduced to the previous owner of the feather. There was a reason he had so recently shed it, That story and a picture on the next post.
Why not start your own artistic journey ? Sign up to be a friend of A&A Photographic Arts today!


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Verses including the word Faction
Truly Pharaoh elated himself in the land and broke up its people into sections, depressing a small group among them: their sons he slew, but he kept alive their females: for he was indeed a maker of mischief. (Surah Al-Qasas, 4)
Those who split up their Religion, and become (mere) Sects,- each party rejoicing in that which is with itself! (Surah Ar-Rum, 32)
But there - will be put to flight even a host of confederates. (Surah Sâd, 11)
And Thamud, and the people of Lut, and the Companions of the Wood; - such were the Confederates. (Surah Sâd, 13)
But (there were people) before them, who denied (the Signs),- the People of Noah, and the Confederates (of Evil) after them; and every People plotted against their prophet, to seize him, and disputed by means of vanities, therewith to condemn the Truth; but it was I that seized them! and how (terrible) was My Requital! (Surah Ghafir, 5)
Then said the man who believed: "O my people! Truly I do fear for you something like the Day (of disaster) of the Confederates (in sin)!- (Surah Ghafir, 30)
But sects from among themselves fell into disagreement: then woe to the wrong-doers, from the Penalty of a Grievous Day! (Surah Az-Zukhruf, 65)
The Evil One has got the better of them: so he has made them lose the remembrance of Allah. They are the Party of the Evil One. Truly, it is the Party of the Evil One that will perish! (Surah Al-Mujadala, 19)
Thou wilt not find any people who believe in Allah and the Last Day, loving those who resist Allah and His Messenger, even though they were their fathers or their sons, or their brothers, or their kindred. For such He has written Faith in their hearts, and strengthened them with a spirit from Himself. And He will admit them to Gardens beneath which Rivers flow, to dwell therein (for ever). Allah will be well pleased with them, and they with Him. They are the Party of Allah. Truly it is the Party of Allah that will achieve Felicity. (Surah Al-Mujadala, 22)
'There are among us some that are righteous, and some the contrary: we follow divergent paths. (Surah Al-Jinn, 11)
Nor did the People of the Book make schisms, until after there came to them Clear Evidence. (Surah Al-Bayyina, 4)


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2. Module Highlights
2.1 Multiple portals support, Maximum mails per day (per hour), Send interval, Using host SMTP server
P1 - Portal Rules
If you create multiple portals in 1 DNN instance, this feature is vital to you. Super user (host account) can specify below options for each portal.
:Send bulk mails / Send birthday greeting mails. If disabled, this site can't using Cross Bulk Mailer module to send emails (birthday greeting mails).
:Maximum mails per day (per hour). How many mails this portal can send per day / per hour.
:Send Interval. Email send interval for this site. For example, if you enter 10 minutes as "Send Interval" and allow to send 60 mails per hour, then module will send 6 times per hour (10 mails each time), this will alleviate the web server pressure greatly.
:Whether this portal can use host defined SMTP server.
For example, if you have 3 portals on same DNN instance. You can allow "Portal A" to send 500 mails per day, "Portal B" send 300 mails per day, and disable mail send function for "Portal C".
P2 - Portal rule detail
2.9 Bounce (invalid, fake) addresses detection
P16 - Bounce mail addresses
It is not strange to see fake (or invalid) addresses like firstname.lastname@example.com, firstname.lastname@example.com, etc. When send mail to these addresses (for example, try send a mail to email@example.com),
your SMTP server will generate a "Bounce Reply" message to your "send from" address during each attempt. Note, the number of attempts and the format of the bounce reply is controlled by your SMTP server, not Cross Bulk Mailer module.
It is important to find out these invalid addresses because you don't want to keep on sending mails to them. To do this, Cross Bulk Mailer module will try monitor your "send from" email account, abstract these invalid addresses, and ignore them next time.
This is a vital feature for a email processing module. All SMTP servers hate bounce emails because they consume too much resources, so it is better to detect and bypass them as soon as possible. Check above image as example (this is the real bounce mail address in our site - http://DnnModule.com), you can see that we have about 500 registered users who use fake email address while register, and it is important to bypass these address while sending bulk emails.
Version Difference
You can get help via follows:
1. We provide detail information for every field via DNN standard help system. Click the help button of field to see it . Like below:
2. Read user guide.doc to view module installation guide or faqs.
3. Log in to http://www.dnnmodules.cn/Store/MyAccount.aspx , click "My Products",then find your ordered item, click "Help Ticket" next to it to submit help ticket.
4. Visit our support forum to get more details.
5. Mail us at firstname.lastname@example.com for more direct and fast help.


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We all need adventures from time to time. It doesn't matter if they are small adventures or big ones…the most important thing is, that we do something that gets us out of our comfort zone and ends the tristesse that daily life can sometimes present.
Sometimes adventures are tough and not too much of a blast. And sometimes they are amazing. But no matter what, adventures are things that you will always remember and times that you learn a lot from.
But sometimes it is hard to find an adventure. Sometimes things just go exactly like they are supposed to go.
So I decided to write a complete beginners guide to Adventures, for all those who seek for one. Your wish shall be heard!:D
But keep in mind:
Even mini-adventures are adventures! So this is not a guide to show you your way to Narnia or something extraordinary like this.
This guide is supposed to make your daily life and your holidays a little more special.
Let's get started!
Well there is basically one thing that you have to keep in mind.
It is something that either a man with the endless name Colonel John Nicholas Blashford -Snell or Roald Amundsen said:
And whoever said it, speaks the truth.
It is hard to be part of an adventure when you barely leave your house or when you plan every detail so perfectly that absolutely nothing can possibly go wrong- and if there goes something wrong you have a plan B.
Sure, sometimes that kind of planning is not only good but also needed.
Being prepared is good. But where is the fun?
Where is the excitement that we feel when we don't really know what's happening next?
For some of us (like me) who aren't too much of a planner type of person this is very easy. For those who are lucky enough to enjoy organizing stuff and have a talent for planning things, this will be sort of difficult.
But I am sure you can make it!
However, you cannot only rely on your own bad planning.
There are a couple of things that you can start with.
First of all:
Do whatever you feel like doing (this is the fun part!).
When you see a tree that practically asks to be climbed-do it.
Or when you have the opportunity to do something that you've never done before-go for it!
You have never danced in the rain? You're missing out on something. Instead of being all mad because weather isn't as it's supposed to be, you could embrace it, and make the best out of it.
Dare to be whoever you want to be.
To do so, you have to try to let go of your fears of course. Try to let go of everything that's holding you back. Identifying your own fears, might be the first step.
Slowly, and step by step you will develop a trust in yourself, that can also help you in your day to day life.
Then, remind yourself why you wanted to be adventurous. Think of how proud you will be of yourself. Find your motivation!
Be free.
Being adventurous also asks for a certain mindset. You have to feel mentally free- willing to experience life and to live your own life to the fullest.
Try to find out what you are interested in. In the hustle and bustle of our own life, we tend to forget a bit who we are. What we are interested in, what we always wanted to do, what our goals are and what we dream of.
I have, for example, randomly ordered a Swedish for Beginners book, attended a Writer's meeting and started hot yoga. All these little things are the first steps towards a more adventurous life.
Also ask yourself in what part of your life you want to be more adventurous!
Think of a person in your life that you admire. You don't have to know the person, and it doesn't matter if they are dead or alive or fictional characters.
Try to find out why you admire them and when they were adventurous-maybe you find some inspiration and will feel a little more brave.
When it comes to me, I mostly admire fictional characters from books that I read. I know, it's a little nerdy, but I truly believe that they also formed my character in some way, and not only because they taught me to be braver.
Make plans.
I know what you're thinking now.
Didn't this girl just say that plans are the best way to avoid adventures?
Yes, that's what I said and that's still what I think. What I mean by making plans is, that you keep one weekend free to go on a hiking trip for example. Just choose one day and ask friends to come with you- and the adventure can begin!
If you like planning, maybe a bucket-list would be the right thing for you?
And now the most important thing:
Ask people about their lives, and jobs and experiences. Read books, go somewhere where you have never been before. Maybe find out if you love jazz and go to a jazz bar or a concert, whatever. Try out new things. Be open-minded!
Observe people and their behavior. Just never stop learning and experiencing.
The other day I met a lady called Laura. We met in a Bar where they were playing live Salsa-Music and people were actually really dancing,probably because the band was amazing. ( I had so many Cuba-Flashbacks!)…Sorry I forgot my point. What I wanted to tell you was, that this lady was super inspiring. She had a grown up son and started to discover life in a new light. She started dancing Salsa,opened a thrift shop and spend a lot of time with her friends.
She went to concerts and planned trips to places she had never been. Instead of thinking that her life was over, it was as if she was in her twenties again. Trying out new sport trends and recipes and not tired of life at all. Full of energy and curious like a child.
I hope this might inspire you a little bit, and help you to be more adventurous.
If you would like to read more "how- to"s, please let me know.
All the best and have a wonderful day!


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Ever wish you could have an exercise buddy to train with? Or wish there was a mass participation race near-by? In the old 'real world' you'd be stuck with no friends and no access. But not any more.
MapMyRun have partnered with the Columbus Half Marathon, to bring Columbus to the world. On August 30th, MapMyRun members around the world will join those in Columbus, running the 13.1 mile race. But they won't just be there in spirit. By registering in advance, and entering the route they will run, they will be able to 'compete' with runners in the race and around the world. Better yet, if they succeed, they'll even get a finishers hat, shirt and medal!
This is brilliant. Never again will race organisers have to turn runners away. Meanwhile, MapMyRun further engage their community of runners, connected by their common pursuit of running (or cycling, walking and skiing, which they also cater for).
Nike have been credited with a similar level of engagement and community around Nike+. And have also held virtual races around the world. Where MapMyRun could push the boundaries, is by extending this concept to those pursuing other sports too. Or perhaps by including video recording of your experience. And by tying it into existing real-life races, they can even cater for the virtually home sick. The loneliness of the long distance runner is no more.
This also has me thinking. What other events/brands restrict access to those being physically present? Orchestra's already play "live" to theatres full of people around the world, who get dressed up to enjoy the experience of almost being there. Sports broadcast games to giant screens, where fans can gather, sing, drink, cheer and get almost the same experience as being there.
So where else could brands take this..?


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Hello! It's time for the second prompt in the #glamnailschallenge today, and it is lemonade. I thought rather than trying to draw jugs of lemonade I'd try to give the idea of it. Sometimes I overthink these things!
What I used:
- Barry M Cotton (white creme)
- MoYou London Bahamas Punch (yellow stamping polish)
- Fimo slice
- Bundle Monster & Lucy's Stash collab stamping plate
- Born Pretty Store stamping plates BP-21 (yellow wavy lines) & BP-67 (red stripes)
- Rimmel Hot Gossip (red creme)
- Liquid latex
- Creative Shop Stamper
- HK Girl Glisten & Glow (topcoat)
I started with two coats of Cotton on each nail except my little finger which got two coats of Bahamas Punch. I then stamped the wavy lines on my ring & thumb nails, hoping to make it look like liquid. I wanted to put a straw on one nail, so using liquid latex I painted a straw shape, then once it was dry, stamped the lines over and peeled off the latex.
On my middle finger I stamped a citrus image from the Bundle Monster plate (don't tell anyone, but I think it's grapefruit rather than lemon) and attached a fimo slice to my ring finger with a dab of topcoat (don't tell anyone, but it's a slice of orange not lemon).
To do the stripes on the straw, I painted liquid latex over the yellow stamping, then stamped the stripes in red, then peeled off the latex again just leaving the straw. I forgot that the stripey stamping wouldn't bend with the straw shape – I should have done a straight straw, or stamped two bits separately. It looks a bit odd after the bend!
So there you have lemonade nails! Hope you like them, I did 🙂 Even though they are yellow!
See you soon,
Love, Jo x


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- Card Size:
- 5¼" x 7¾"
- Paper Quality:
- Medium
- Printing Technique:
- Digital Lithography
- Manufacturing Time:
- 4 days + shipping
- Manufacturer:
- EInvite.com
Additional InformationThe designer of this item selected:
- Ink Color:
- Digital Black
A vintage style botanical drawing reminiscent of a bygone age will convey your New Years greetings to friends and family alike. Digitally printed this sweet design features not only the illustration of figs, but a quietly colorful criss cross of lines in a fresh green tone. Your message is contained with in a bordered diamond. White wallet flap envelopes will accompany your order.
Your purchase of this card helps support the Jewish Foundation for the Righteous (JFR). The following message of support is printed on the back of the cards.
The Jewish Foundation for the Righteous (JFR) provides monthly financial assistance to aged and needy Christian rescuers who risked their lives to save Jews during the Holocaust and preserves their legacy through its national Holocaust education program. The proceeds from the purchase of this card support the work of the JFR. www.JFR.org
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Free Shipping on orders within the USA for a limited time!*
Ever wonder what the moon looked like on your birthday? Or the birth dates of your children? The day you got married? Or the date of a person you love who passed on? We can help you find out and create it into a beautiful, crescent moon shaped adjustable statement ring for you. Looks great with this bracelet!To order, please provide the following information : Date (in this format: MM/DD/YYYY), Time Zone, and Approximate Time Of Day (if possible) of the date you wish to celebrate. We will verify your moon phase and begin production. If your date has a "new moon" (ie the first and darkest phase of the moon, which would essentially be a black charm), we will create your piece with a darkened full moon to illustrate that it was in shadow at the time. We include a card with your piece that describes the date information provided and the moon phase. We do not offer engraving.
Materials: Silver plated brass, glassRing Size: Adjustable (please do so carefully!)_________________________________________________________
♥ The galaxy line is expanding! Check out other pieces available here.
♥ Discounts apply if you wanted to order multiples for wedding parties - please message me before hand to set up a custom order.♥ Nickel and lead free!♥ Please note: These are not 100% waterproof. Please avoid submerging them in water. They are also each individually handmade and may slightly vary from what is shown in the photographs.
♥ A portion of proceeds from every galaxy line sale will go to the Planetary Society to help fund space exploration and research. ♥ Production time may vary. Please check our turnaround times before ordering. And please be sure to review our shop policies before purchasing._________________________________________________________For any questions or to inquire about custom pieces, please don't hesitate to send me a message! And for more great jewelry and gifts, please visit the rest of our shop.


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Have you ever felt sick of your own style? Because I definitely have! I must admit, I go through this every once in a while where anything I put on, I feel dissatisfied with because I feel that the outfit is too repetitive. So every now and then, I always feel in desperate need to Continue reading
Monthly Archives: February 2015
City Expeditions
Both Tom and I are literally OBSESSED with finding new locations to shoot! If one of us is driving, the other one who's not driving will be the one scouting out every nook and cranny of Bangkok to see if there are any potential location we can shoot at. This began as Continue reading
What It Takes To Be A Fashion Blogger
I did contemplate a lot about writing this article as I think that it is quite soon, considering I am still building my fan base and I've got a long way to go yet in my blogging career. But then I figured, when would actually be the right time? So why not, I'm sure all of you that have been with me this far would want to read this and as a thank you for all your constant support, I shall be sharing with you all my thoughts on blogging and what it takes to be a blogger! Continue reading


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Welcome! Welcome! Welcome!
Culinary Houston is a place to discover new restaurants where you can relax, try something different, drink in the ambiance and enjoy good food. We, like you, love reasonably priced fresh foods from all cuisines presented in beautiful new ways and delivered to the table with style and grace.
With over 10,000 restaurants in Houston, representing 70 countries and American regions, our culinary expertise and experiences are diverse and exciting. We look forward to sharing them with you and hearing about new places that you love to try. Thank you for joining us for a meal or three! Send us a note about the ones you've enjoyed the most. Join our group on Facebook at Houston Eats by Jack Tyler.
In the coming months, we hope to share Texas products with you as well. Y'all come back!


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For this week's Mixtape Monday, I decided to take it to the West Coast to show some Cali love. Here we have the DJ Drama assisted Crenshaw, the latest release from Nipsey Hussle. The internet buzz was crazy when this tape dropped back in early October, not only because it was so highly anticipated, but because Nipsey decided that physical copies of the tape would retail for $100. To many at the time (myself included), he may have seemed rather delusional. However, the main purpose was likely to get people talking about the project, and it worked. Adding more fuel to the fire, Jay Z himself purchased 100 copies of Crenshaw. So, you do the math. Cosigns like that can ensure that a lot of people would want to see what all the fuss is about. With production from 9th Wonder, 1500 or Nothin', Cozmo, The Futuristiks, and more, this 21 track tape is definitely packing some heat. A personal favorite of mine is "H-Town", with Dom Kennedy, Cobby Supreme, TeeFLii and Skeme all making appearances. All in all, the tape is a solid piece of work. I can now see why Nipsey priced it the way he did. Plus, you can't be mad at someone who takes that much pride in their work. So if you haven't had a chance to hear it yet, due to insufficient funds, check it out below (free of charge). Happy Monday! – Jasmin V.
For more insight into fly shit follow @jasminvee_ on Twitter


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Karna Lake is located about 5 km north of Karnal on the Delhi-Amritsar highway. Karna Lake is beautifull landscaped with tourist facilities designed along the water front. The resort is popular among highway travellers and the people of Karnal, who love to stop for picnics in the lawns by the lake. Facilities : Motel, Family huts, Restaurant, Bar, Conference Hall, Lake for boating, gift shop and dormitory. Main Attractions : There are a few places of interest here, like the Kala Amb memorial, an obelilsk commemorating the third battle of Panipat. Kalandar Shah
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A last-minute move by Maine lawmakers has some voters upset. Last November, Maine voters approved ranked choice voting, but despite widespread support, RCV may not become a reality.
Monday night, members of the legislature voted to postpone RCV for four years, and possibly repeal it altogether.
The latest news from around the state
Maine would have been the first state in the nation to allow ranked choice voting. It lets voters rank their preferences, instead of choosing one candidate. The system triggers run-off elections until one candidate achieves a majority of votes.
"Maine people are frustrated with politics that isn't working," said Question 5 campaign manager Kyle Bailey.
The Maine Supreme Court advised that parts of the law were unconstitutional. Bailey said RCV supporters wanted to see the constitutional parts of the law implemented, but lawmakers voted against it.
"What the legislature did was a slap in the face," said Bailey.
But House Minority Leader Ken Fredette said lawmakers were simply doing their jobs.
"This is part of the process of living in a democracy, and sometimes it's just a little messy," said Fredette. He said the referendum process has being abused.
"They really ought to do their homework," said Fredette. "If you have a constitutional problem with a bill…you're begging the legislature to go in and do something – and that's exactly what happened here."
Supporters of RCV are preparing to trigger what's called a "People's Veto" of the legislature's latest move. Bailey said if they can collect more than 60 thousand signatures in 90 days, people could have a second chance at approving ranked-choice voting at the ballot box.
"We're going to make sure we…give voters the ability to rank candidates starting in 2018," said Bailey.


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Firangi Release Date, welcome to Kapil Sharma show!!
One of the most popular celebrities of India, without whom India's weekends are not supposed to be celebrated. Yes, you got it right, Kapil Sharma, who is coming once again on big screen with his upcoming movie Firangi, and today we are going to discuss about Firangi release date.
TV star Kapil Sharma is now working on Firangi release date, which is an upcoming comedy drama movie. This movie is going to be directed by Rajiv Dhingra and Kapil Sharma himself producing this movie. The production of Firangi release date is taking place under the banners of K9 Films, Sony Pictures Networks and Productions.
Firangi Release Date – Cast
As we all know that, this is a Kapil Sharma starrer movie, so he is playing lead role in this movie and Drishyam star Ishita Dutta, will share screen with him.
Kapil Sharma has done lots of hard work for Firangi release date. Because his first movie didn't do well on box-office as expected. But this time he doesn't want to leave any stone unturned, according to trusted news he has also shed lots of weight to fit into the role of Firangi.
This is not Kapil's debut movie, he had stepped into the Bollywood with Abbas Mustan directed and produced movie, Kis Kisko Pyar Karu, which was released on 25 September, 2015.
But this wasn't found good enough to live upon the expectations of his fans. This movie grossed only INR 58.20 crore against the small budget of INR 20 crore.
Despite of small collections and average rating, Kapil Sharma's acting got the appreciation from most of the giants of Bollywood. With this movie, Kapil proved that he has something in him, which Bollywood demands for.
Other than Kapil Sharma, Ishita Dutta and Monica Gill is also to appear in this movie against him. All of these three stars have done lots of hard work for Firangi release date.
This will be the second Bollywood project of 27-year-old Ishita Dutta's career. Before this movie, she had appeared in Ajay Devgn's starrer, thriller movie Drishyam, which was one of the best movies of Ajay's career.
In this movie, she played a major role of Ajay Devgn's daughter. Her acting, expression and timing was superb and gathered lots of cheering for this role. This movie grossed INR 295.67 crore worldwide against the budget of INR 62 crore.
And now she is going to do her first movie as a lead actress against one of the most famed stars of India.
Next actress of this movie is Punjabi actress Monica Gill, who is also playing a major role in this movie. This will be her fourth movie after Sardaarji 2, Kaptaan and Ambarsariya.
And at last, another king of comedy, Raju Shrivastava, is going to give a special appearance in this movie. His role will be like icing on the cake for Firangi release date.
Firangi Release Date – Storyline
With the title of this movie Firangi, we can make the idea of its storyline, which states that, this movie might be based on a foreigner.
This movie has been set in the time period of 1920s, when India was ruled by Britishers. But this isn't any kind of revolt against Britishers, but a love story.
In Firangi, Kapil is playing the role of common villager, who is far away from studies, English and fashion. Where he often finds doing something crazy and irritating.
In village, he is accompanied by gorgeous actress Monica Gill. Everything in his life was going as regular routine till Ishita Dutta, enters in India, who is playing the role of an NRI. And form here their love story starts.
All the shoots of this movie have been shot in Punjab and Rajasthan. Now, Kapil has a challenge with Firangi, because now he has to give his best to overcome the average show of his debut.
Firangi Release Date – Current Updates
The shooting of Firangi release date, was started in the month of November, 2016 and now it is almost completed. Currently, some of the finishing work is taking place.
Kapil Sharma is going through many ups and downs with his TV show, The Kapil Sharma Show. Its ratings and TRP is continuously going down. There was a time when ratings of this show were at the zenith.
But after the detachment of Sunil Grover, Ali Asgar and Sungadha Mishra, the TRP has severly come done. All of them have withdrawn from this TV show after an argument, which took place in a flight, while returning for Australia after a live show.
This incident affected the ratings of The Kapil Sharma Show, and after almost three months, Kapil is still struggling to get back in flow.
And from last two weeks his show is also off-air, which is not good sign for Kapil's fan following. There have also been some news that, the relation of Kapil Sharma and Siddhu is not so well, as it was.
Still the suspense behind the off-airing of The Kapil Sharma Show is not revealed. Some are predicting that he is suffering from some illness and some are predicting that his tie-up has been ended with Sony channel.
Apart from all of these odds, we can assure ourselves that surely this time Kapil Sharma will bang the show with Firangi release date.
Firangi Release Date – Upcoming projects of its stars
Currently, Kapil Sharma has no other project in his pipeline. He is completely focusing on his upcoming and second movie Firangi.
Lead actress of this movie, Ishita Dutta has only one movie in her pipeline, which is named as Lashtam Pashtam, which has been written and directed by Manav Bhalla.
In this drama movie, she is sharing screen with Om Puri, Tisca Chopra and Feryna Wazheir. Shooting of this movie has almost been completed with Firangi.
The crew members of Lashtam Pashtam, are searching for the right date to release this movie. But this is confirmed that this movie will hit the silver screen till the end of 2017.
Another actress of Firangi Monica Gill, has one movie in her pipeline. This movie is titled as Drive which taking place under the banners of Dharma Production. This movie is going to be directed with Tarun Mansukhani.
In this action, crime and drama movie, Monica Gill is sharing screen with Boman Irani, Jacqueline Fernandez and Sushant Singh Rajput. This will probably be the biggest project of Monica's career and she is really working hard for this movie.
Drive is scheduled to be released on 2 March, 2018. This movie will be distributed by Fox Star Studios.
Firangi Release Date
So, finally this is the time to reveal the Firangi release date. This movie is going to be released on 10 November, 2017 and it will be distributed by Sony Pictures Releasing.
With the reveal this release date, we are going to close the show of Firangi release date. If there will be any other update regarding the Firangi release date, then we will update you about it.
This is all for now about the Firangi release date, for more updates and release dates of other upcoming Hollywood, Bollywood movies and TV shows, stay connected to Release Date Portal.


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Back in the mid-1990′s a Minnesota Judge, Michael Haas, penned 200 words of wisdom and advice to divorcing parents. His advice has become legendary and has been circulating among judges and others in the legal system for nearly 20 years. Apparently, the Judge's words were first shared with the masses in a letter someone wrote to Dear Abby in 1994. His words were so concise and impactful that several other Judges have quoted him in their own court decisions. It's been nearly 20 years since the judge gave his sage advice, and I would bet that 50 years from now his words will still ring as true as they have for the last 20 years. And now, sage advice from Judge Michael Haas:
"Your children have come into this world because of the two of you. Perhaps you two made lousy choices as to whom you decided to be the other parent. If so, that is your problem andyour fault.
No matter what you think of the other party-or what your family thinks of the other party-these children are one half of each of you. Remember that, because every time you tell your child what an 'idiot' his father is, or what a 'fool' his mother is, or how bad the absent parent is, or what terrible things that person has done, you are telling the child half of him is bad.
That is an unforgivable thing to do to a child. That is not love. That is possession. If you do that to your children, you will destroy them as surely as if you had cut them into pieces, because that is what you are doing to their emotions.
I sincerely hope that you do not do that to your children. Think more about your children and less about yourselves and make yours a selfless kind of love, not foolish or selfish, or your children will suffer."
Judge Michael Haas, District Court Minnesota


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There are few things more Australian than the democracy sausage. Snagging a snag while exercising your right to vote has become one of our nation's most beloved traditions. Unfortunately, there will be no democracy sausage during this week's same sex marriage survey. Only compulsory elections and referendums receive this honour. Boo!
With that said, there are still ways to procure a democracy sausage when you pop your vote into the post. Here are three viable options for your consideration.


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This family!
I don't play favorites but the Layne family makes it hard not to. Little Caity is a wonderful big sister to the sweetest twin brothers. I've photographed them for years and each year it gets more fun. Lamar and Calandra are so genuine and amazing parents. I could photograph twins all the time. Being one myself, I find it fascinating to watch them interact with each other. They giggled, gave hugs and laughed together as a family. This is what I dream a family session should be.


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Apparently I haven't felt like taking pictures lately! I have only a few photos to share from last week.
Monday and Tuesday I had a headache, I think mostly allergy related. I biked on Monday and ran on Tuesday.
Wednesday night I got to facetime a bit with my parents and cousin.
I tried Pei Wei for the very first time, which isn't as big of a deal as I'm making it, but it was good, and Jasper stole a noodle and ate it.
Friday was food day at work, and I made this yummy ice cream sandwich cake! It was devoured. Mmmm.
Saturday I had a hair cut, and then promptly bought a new KC hat. I think I have a hat problem! I love this one, it's so comfy.
I also saw Finding Dory over the weekend; it was really cute, and fit in well with Finding Nemo. I'm looking forward to this weekend, I'll go home with Amy and Michelle, and we'll have a nice long weekend in Hays!


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TomTom IQ Routes for older devices?
Ever since TomTom announced their new IQ Routes feature, existing TomTom owners wondered if they would get access to that data. There are quite a few good arguments pointing to the possibility of it happening, and a few reasons to suspect it might not happen. Here is what we know.
Update: Get IQ Routes on TomTom 720 920
The History, Data Collection
Let's talk for just a minute about what IQ Routes is, and where the data comes from. When you first setup a device from within TomTom HOME, you are presented with a dialog box that looks like the one on the right of this paragraph. It reads:
TomTom would like to gather anonymous statistical data to improve your map quality and navigation experience. We would retrieve this data whenever you connect to a TomTom device to TomTom. It will not be noticeable, will not cost you anything, and will be completely anonymous. Will you allow us to retrieve this data? [No] [Yes]
For those who opt-in, your TomTom GPS will log data about your trips as you drive. The GPS will have an estimate on how long it takes to drive each road segment, and will compare that estimate with how long it actually took you to travel over each road segment. That data is then compiled, and sent back to TomTom when you connect your device through TomTom HOME.
TomTom has taken that data collected over the past year or so, and created new average time estimates for the various road segments. That data was then built into the new map in the TomTom x30 series devices like the 730 and 930. We reviewed the TomTom 930 and found that the new data does indeed make a big difference in time estimates and routing.
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Now, more and more people are hoping that they will be able to get the IQ route feature on their devices. Especially since it is the owners of the older devices that allowed TomTom to collect this data, that is currently only being offered on the new devices. Existing users feel that TomTom ought to make this new feature available to them since, without their data, the IQ routes feature would not have been possible.
Getting the Data
One issue that becomes apparent is that the data for IQ routes is built into the map itself. Therefore, in order to get the data, you would need to purchase a new map which has the data in it. Many users are okay paying TomTom for a new map, but some still feel entitled to the data they helped compile, without paying for a new map.
Instead, it seems that not only might you need to pay for the map update, but the maps that include the IQ Route data cost more for the same map. Here is an example. If go check TomTom's map update page for the 720, the most recent map was released a few days ago and costs $99.95. It comes with the following description.
Fully detailed map covering all American States and Canadian provinces (incl. Hawaii, Alaska and Puerto Rico), now with an additional 84,000 miles of road coverage!
Compare that to TomTom's map update page for the 730, again with the most recent map released a few days ago. But this one costs $129.95 and comes with the following description.
Fully detailed map covering all American States and Canadian provinces (incl. Hawaii, Alaska and Puerto Rico), now with an additional 84,000 miles of road coverage! Street network coverage: 99% This map includes new IQ Routes data offering improved routing for your TomTom GO
So it seems that map updates which include IQ Routes data cost 30% more.
TomTom's Support page
All of this might be fine and dandy, but TomTom themselves seem to have indicated that owners of older devices will get IQ Routes, and that they will get it for free. See TomTom support document 6213 which currently says this:
Question: Will I get anything back when I participate in the collection of anonymous usage statistics?
Answer: We intend to make free upgrades of the software available that use the insights we have gathered from studying anonymous usage statistics data. TomTom regularly releases free software updates even for our oldest models. Thanks to the collection of these statistics, future versions of our free software upgrades will produce even better routes and even more accurate estimates of the arrival time.
While they don't specifically say "IQ Routes" it is pretty clear that is what they are referring to.
It is still possible, based on that support document, that TomTom will make IQ Routes available to users of older devices. However questions remain about how that will be accomplished. If it requires the user to purchase a new map, does that really meet their own statement that "free software upgrades will produce even better routes"? And currently the maps that include IQ routes cost $30 more than the same maps that don't include IQ routes.
TomTom support document 6213 seems to make it clear that by opting into providing the statistical information, those users will be entitled to get a software update that will include IQ routes. TomTom might just be spending a couple of months to write the necessary updates, and at the same time not cannibalize sales of the new 730/930… and we certainly hope that is the case.


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We made a special purchase on the EK6100J that has a maximum weighing capacity of 6000 grams and increments in 0.1 gram graduations with a 5.2 x 6.7 inch rectangular weighing platform. Some people might ask how do we sell so cheap. We buy in huge volume and as an Authorized A&D Weighing Distributor the manufacturer comes to us to move their excessive inventory. We price the scale at ridiculous low prices to move the scales since it is only a matter of time before our phone rings asking us to buy more overstock.
These are brand new units and a great alternative to the Mettler Toledo JL6001-GE, Ohaus SJX6201NE or Scout SPX6201. We have priced the EK6100J so aggressively that it is cheaper to buy the EK6100J than the EK3000i, EK4100i, and EK6100i.
What is the difference between the EK-6100J verses the EK-6100i? Notice the last character in the model name is "J" verses "i"). The EK-6100i (non-NTEP) while the EK6100J is Legal For Trade. The EK-6100J DOES NOT have a functional RS-232 serial interface so you can not connect the scale to a computer or printer. For some reason when A&D designed the EK-6100J they disabled the serial interface. THERE IS NO WAY TO TRANSMIT THE DATA FROM THE SCALE TO THE COMPUTER SINCE THE RS232 INTERFACE IS NOT ACTIVE. If you are not going to be connecting the scale to a printer or computer then you don't need the serial interface and you can save a barrel of money.
Legal-for-Trade balances typically cost a lot more than "Not Legal for Trade" since extensive testing is required to achieve a Certificate of Conformance 06-054.
To attain the covenant status of legal for trade the EK-6100j is tested with several increasing/decreasing load and shift tests and these test occur over a temperature range of 41°F to 95°F. A load of approximately one-half capacity is applied to the EJ6100J over 100,000 times and must weigh with the testing tolerances.
EK6100J NTEP approved Class II Legal For Trade scale's "d"(value of scale division) is 0.1 grams and the "e" (value of verification scale division) is 1 grams. The balance meets the requirements as a Class II weighing device defined in Handbook 44. All this information can be verified by downloading the CofC # 06-054 so you can printout this certificate to check with your Weights & Measurements Inspector if they will allow you to use the EK6100J for your particular weighing application.
Many people purchasing the EK-6100J might not need legal for trade status and want to remind people this is a great scale designed for manufacturing, industrial, laboratory,classroom applications. The fast display update rate is ideal for mixing of flavors and spices as well as chemical ingredients. Companies packaging products by weight can use the EK6100J for quality control and compliance to verify their package contains the correct weight denoted on the packaging.
The EK6100J digital scale can be used for material testing to adhere to state specific guidelines and ASTM specifications. Whether you are performing sieve analysis of fine and coarse aggregates to total moisture content of aggregate by drying. There is also an optional underhook for specific gravity determination below balance weighing used for weighing concrete cores. Always refer to the particular AASHTO test method and verify your sample size will not exceed 6000 gram capacity and requires resolution to 0.1 grams then EJ6100J meets the requirements.
The compact size and small footprint saves valuable laboratory bench space and is something very few scale companies offer.
When the EK-6100J digital balance is first installed it should be calibrated to ensure accurate weighing results. We offer a full line of optional calibration weights including the recommended 5000g calibration weight for the EK6100J. Every location in the world is positioned differently to "magnetic north" and therefore the acceleration of gravity is slightly different.
Additional applications for the EK6100J would be for weighing large quantities of gold and silver - 50 ounces and need an affordable priced legal for trade scale. If you watch the popular Discovery Channel "Gold Rush" in Season 6 you'll see Todd Hoffman, Parker Schnabel and Tony Beets team using an A&D EK Series digital scale to weigh their gold after many clean outs on the show.
Finally, the best selling point is AND Weighing fabulous product support. A&D Weighing has a dedicated product support line by calling 1-800-726-4940 6:00 am to 5:00 pm PST. Finally the A&D is simply to use and configure. The product manual is written for the average person to configure their scale verses having to spend $100's calling for scale company help you figure out how to use the weighing device.
Precision Weighing Balances has been an Authorized AND Weighing Distributor for over a decade. See the full line of A&D EK Scales at the bottom of this web page or click here.
A&D Weighing EK6100J NTEP Class II Scale
6000 x
0.1 g
211.64 x 0.01 oz
13.228 x 0.001 lb
Troy Ounce
192.90 x 0.01 ozt
3858.1 x 0.1 dwt
30000 x 1 ct
Grain Unit
92594 x 2 gn
Min unit weight
0.1 g
Max. Count
of samples
5. 10,
25, 50 or 100 piece
Min. Div
0.2 g
for Trade
YES - CofC 06-054
Only the EK-610J, EK-6100J, EW-1500i, EW-12Ki, EK-600i, EK1200i, EK6000i and the EK-12Ki are Legal For Trade.
Verification scale division (e)
gram (1g), ounce (0.1 OZ), ounce troy (0.1 ozt), pound (0.01 lb),
pennyweight (1 dwt), carat (10 ct), and grain (20 GN)
Displayed scale division (d)
gram (0.1g), ounce (0.01 OZ), ounce troy (0.01 ozt), pound (0.001 lb),
pennyweight (0.1 dwt), carat (1 ct), and grain (2 GN)
YES - 6000d, Class II
Zero Range
± 18 grams
Pan Size
133 x 170
mm / 5.2 x 6.7 inches
AC Adapter,
100, 120, 220, 240 VAC 50/60Hz
hours continuous operation (backlit off) with rechargeable battery pack
1.5 kg
/ 3.3 lb
Cal. Mass
User selectable 6kg, 5kg, 4kg, 3kg, 2kg
Full display segment check after
pressing "ON" button to power up scale. All display segments
checked for correct operation to ensure operator is aware of any
potential data recording errors.
Weighing units are clearly indicated
on the display to ensure correct unit of measurement is recorded.
In addition, user can select the weighing mode(s) needed, and lock
out those weighing modes you desire "not to be use."
Other low cost portable toploading scales offer a small little arrow
pointing to the weighing mode which is silk-screened on the display
face plate. The A&D EKi-Series displays ounces as "oz",
pounds as "lb", etc clearly on the large bright LCD display.
Avoid operator errors in recording data & ensure the correct
unit of measure when multiple weighing modes are enabled with the
EKi-Series incorporate "ACAI" Automatic Counting Accuracy
Improvement. This exclusive A&D software feature enhances
your counting ability.
ACAI works automatically
when using the counting function. ACAI redefines the unit weight
as you count providing you stay within the ACAI range of 10 to 20 counts.
When the ACAI is activated the "ACAI" font segments on the
LCD will blink. To understand the parts counting mode and ACAI
better click
Underhook(EK6100J,EK6000i,EK6100i,EK4100i,EK12Ki & EW12Ki only) $52.00
Comparator Output Interface $160.00
Rechargeable Battery $209.00
Carrying Case $65.00
Protective In-Use Cover (each) $15.00
Anti-Theft Lock $73.00
(g) x Read (g)
120 x 0.01 g
300 x 0.01 g
400 x 0.01 g
600 x 0.01 g
Disclaimer/Legal Information Sitemap


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How to Reverse Applique a Tote Bagcomments (31) November 1st, 2013
Next, make a small snip with your scissors through this top layer.
Then, carefully cut away the top layer of fabric, leaving about a 1/2" border inside your drawn line, as shown.
Clip into this border with scissors, being very careful not to snip outside your drawn lines. These clips will allow you to make nice curves in your reverse-applique, so make plenty of them for the smoothest results.
Begin turning this clipped edge under with your fingers, so that the folded edge follows your drawn line. Press the fabric in place with your fingers. I like to turn and press just a small section at a time, and then stitch it before moving on to the next section.
I like to use a small, sharp needle for reverse-applique, like a quilting needle. Stitch around the folded edge of the applique using a tiny hem stitch: take a tiny stitch into the lower layer, and then a tiny stitch into the upper layer. You may find it easiest to lay your work flat on a table as you stitch.
After you make this project, show off your work to other members!
Post your project in the gallery
Comments (31)
Posted: 12:25 pm on August 4th
Posted: 3:58 pm on July 26th
Posted: 1:18 pm on July 25th
Posted: 1:44 pm on July 24th
Posted: 3:05 pm on April 21st
Posted: 12:08 pm on April 21st
beauty bag, and I thank for the course bag ,
my blog;
Posted: 6:41 am on November 3rd
Posted: 1:38 am on June 18th
This is the simplest and best explanation of reverse applique I have ever seen. Thank you. Finally, the mud has cleared away.
Posted: 4:55 pm on April 12th
Posted: 9:14 pm on August 26th
If you try this way, I hope you'll post a picture to the Gallery so we can all see!
Posted: 3:22 pm on August 19th
has any one use this method on childrens clothes or patchwork
Posted: 2:56 am on August 15th
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Posted: 3:12 pm on June 24th
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Posted: 11:40 pm on June 12th
Posted: 8:16 pm on June 12th
Posted: 9:46 am on June 10th
Posted: 6:56 pm on June 7th
I have never seen the reverse applique process, and this tutorial really makes it seem possible for me to make that really pretty tote bag. I like the reverse applique look! Thanks, Diane.
Posted: 2:20 am on June 7th
Posted: 12:13 am on June 7th
Posted: 4:15 pm on June 6th
Posted: 11:47 am on June 6th
Posted: 1:24 pm on June 4th
Posted: 8:32 pm on June 3rd
Posted: 6:41 pm on June 3rd
And this design is beautiful! Thanks, Diane! :)
Posted: 9:57 am on May 30th
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Refreshingly chic... airy... expansive... The Loft is majestically bathed in cream and gold luxury from corner to opulent corner. Huge windows expose gulf views from each direction as this contemporary styled suite boasts a hand-painted ceiling emulating fresh, sunny Florida skies! Sink into opulent, king-sized slumber or cast a dreamy gaze upon the lush fauna of the courtyard fountain back dropped by the Gulf of Mexico. How about imagining yourself plunging a sea-worthy skiff into peaceful waters as you survey yet another view from the Loft? After all, the Loft is yours, all yours tonight... remember?
"The Loft is beautiful and the views are awesome! Believe us, this will not be our last visit and we will probably ask for the same room again! Thanks for making us feel right at home!"
P & A Ross, Jacksonville, FL
"We needed a quick getaway from our busy lives! This was it! We needed the view and the beautiful Cedar Key!"
S & P Bledsoe, Neptune Beach, FL
"A great time! The room is just great-the view is fun from both sides. We can't wait to visit again.
R & D Russell, Altamonte Springs, FL


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Win Baby Shower Essentials with this Great Giveaway14 August
Having a new baby this year? Know someone who is?
Baby gear is overwhelming! Endless options for carriers, diapers, diaper bags, bath products, and clothes! Seriously, the clothes!
Let us make it easier with Mommy Scene's Baby Shower Essentials & top picks for feeding, clothing, diapering, and setting up baby's nursery!
Don't miss entering this fabulous Baby Shower Essentials Giveaway for the chance to win these must-have baby products!
Baby Shower Essentials Giveaway - Prize Collection
- LILLEbaby COMPLETE Airflow Baby Carrier
- Baby K'tan Chevron Diaper Bag
- Babo Botanicals Convenient 3-in-1 Cleansing Wipes
- Revelae Kids Cozy Sleeper
- Yummi Pouch Brights Reusable Food Pouches & Cloth Snack Bags
- Pacific Baby Bamboo Feeding Spoons
- Baby Comfy Kit: Snot Trap Baby Comfy Nasal Aspirator - Baby Comfy Nail Deluxe Safety Clipper - Baby Comfy Hydrator - Baby Comfy Gummi Chewy Jewelry
- Active Essentials Unscented Healing Baby Balm
- Crane Drop Humidifier
- Cover My Heart Chevron Nursing Cover
- NogginStik Developmental Light-up Rattle
- BabyIt Perineal Massage & Postpartum Comfort Gel
- Tottigo Pack 'n Potty Travel Potty Seat
- One Z Pillow for Nursing & Support
- NOURISH by BeliBea Pumping/Nursing Bra
- Snuggle Me Organic Co-Sleeping Baby Lounger
- Buttons Diapers Trial Pack of Diapers (1 Cover + 3 Inserts) + Hanging Wet/Dry Bag


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I'm passionate about the topic of host coaching because I truly believe it's the reason I was successful in my direct sales business. I began host coaching with my very first host and many of those hosts are still friends to this day. I know it's because of the time we had to build that relationship over a cup of coffee or a focused phone call. When your host is committed to you and likes you based on the time you spend building a relationship with her, she'll be more likely to support you as a partner and put true effort into her party.
The key to success in our profession is creating connections with people. If you've looked at host coaching (up to this point) as a chore or one more thing to add to your "list" of things to do, I want to invite you to change your perspective. What if someone paid you to go have coffee or a friendly chat on the phone with a friend? Would you sign up for that? Sure you would! (Especially if it had a significant positive effect on your business, from fewer cancellations to higher attendance and sales).
That's exactly what host coaching should be. A time to chat, get to know your host, and plan an incredible, fun party experience based on that connection and what you learn about her. The format is simple:
- A few moments of connection time
- About 10-15 minutes of planning (teach her the language for inviting guests over the phone and getting outside orders; decide on her theme; and let her know what you need from her the night of the party)
- Set her "go girl goals" for bookings, guest attendance, and outside orders
- Share your opportunity and offer to set up her party as her kick off show
If you use this format and show up open to building a friendship as well as supporting your host, you'll be amazed at what will happen in your business! To learn more about creating a systematic approach to host coaching, click here to check out my audio program "Coaching Your Host for Maximum Success."
WANT TO USE THIS ARTICLE FOR FREE IN PRINT OR ONLINE? You may, as long as you do not alter it and include the following information (with active links as appropriate):
Julie Anne Jones is direct sales corporate consultant, coach, and trainer, and the CEO of Julie Anne Jones, Inc. She is known for her authentic and easy-to-use scripting and specializes in specific language and tools for success in direct sales. To learn more about Julie Anne and her products and services, and to read more blog posts, visit her at www.julieannejones.com.


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Campus Automation Software for Education CareSeptember 14, 2017
Systematizing academic processes without human participation is a thought to increase efficiency and lessen staff workload. Online tools for learning and teaching ropes personalized and adaptive learning. Educations offered by automated tools are perfect, offering consistency and accurateness in results.
Evaluation of courses and faculty performance is also accurate, leading to improved course quality and delivery. It is necessary to create a way that gradually evaluates progress in real-time.
University EMS System forms the backbone of every institution in the modern world. The success of this system lies in correct knowledge dissemination process merged with smooth and efficient functioning of management system. Technology at institution plays an important role in stream lining the whole system of day to day functioning. Thus it is not just a subject to be taught but an well-organized tool to be used.Efficient management through disciplined action distinguishes the best university from the good ones.
Benefits of ems software:
- Increases efficiency of entire management
- Communication costs are reduced
- Organization of data
- Cost –effective
- Focus on imparting education
- Administrative activities automated
This software is the secret behind the success of all modern educational establishments. Many universities across the globe are happy that they started using ems Automation Software, to monitor all their campus activities. As it enables universities to minimize the labor-intensive tasks, analyses the performance, generating progress report card/ transcript, tracking the attendance, scheduling the timetable, keeping the leave disciplinary parameters, medical history and overall the complete functionality of a campus can be streamlined. There are many features which will certainly motivate you to implement this Outstanding & Decisive Campus Automation Software for better management and efficient working system.
Key features of Campus Automation system
- Scholar Admission System
- Library Management & Automation System
- Examination Management & Result Analysis System
- Scholar Fee Management System
- Staff Information System
- Payroll Management System
- Fiscal Accounting System
- Scholar Information System
- Stock Management System
- Participation Management System
- Time Table Generation System
- Lodging Management System
- Movement Management System
- Network Management System
- Scholar Alumni
- Occasion Management
Conclusion: A cloud based education management system which helps manage campus/colleges, etc. effectively is one stop shop providing effortless performance enhancing solutions for all domains in an educational institute. It also enables colleges to administer each and every process and aspect pertaining to academy operations efficiently.
About Us: One of the best online education management software helping all kind of education institutes in India is Cloud next vision the company is the leader in university management software / campus EMS. This web based EMS software is an opt and user friendly tool for hassle free accounting of Man, Money and Material. Through it's specially designed 'communication portals and mobile apps' it brings parents, students and educators to a single platform. This enables the instructors to concentrate more on education and become more responsible, in turn best results for all spheres of education. Cloud Next Vision started this journey in the year 2010, today it is been successfully serving esteemed customers with smartly designed software to revamp all academic institutions.
"The function of education is to teach one to think intensively and to think critically. Intelligence plus character – that is the goal of true education."
Get A Free Demo for College / Campus / University EMS system Get Started
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Due to variances in monitors, the colors and patterns displayed may vary slightly from the actual product. Physical samples should be ordered prior to specifying.
Rock Steady by Viva La Art Design Gallery is a dynamic pattern composed of rectangular blocks in a variety of small sizes, stacked one atop the other and presented in rich or neutral colors with glowing metallic or pearlized finishes. Printed on a vinyl surface with non-woven substrate backing, this highly durable commercial wallcovering smooths effortlessly, is easy to remove, and meets Type II requirements of CCC-W-408A. Available in a palette of 11 beautiful colors.