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All that Glitters may not be Gold
The trailing yields of the REITs, shipping trusts and several infrastructure stocks trading on SGX are at all time highs. It is not unusual to find REITs trading in the 10-20% dividend yield range. Like their American listed counterparts, the three shipping trusts listed in Singapore are purportedly yielding more than 30%.
To the yield starved investor, these should be like honey attracting the bees. But the key here is that those sky high yields are derived based on historical dividend payouts figures. If historical payouts are sustainable, then the Babcock and Brown Global Investments must surely be the best thing since sliced bread because the current market price implies a yield of over 120%. Simply too good to be true!
The simple fact is focusing purely on the trailing yields of many such vehicles are misleading.
In today's turbulent market conditions, many vehicles need to preserve cash. Macquarie International Infrastructure Trust has also come out in Nov 08 to say that cash will be diverted to paying down corporate level debt. Following the revelation, its unit price has dipped by about 30%. A scrip dividend schedule was also introduced last year to conserve cash.
For the three shipping trusts, FSL Trust has announced on Jan 20th that it has to reduce its distribution payout ratio to as little as 75% of cash flow. That's a hefty 25% reduction from their usual 100% payout. This comes on the heel of an earlier announcement that its bankers are upping the interest on their debt due to extraordinary circumstances. Pacific Shipping Trust has also cut its payout ratio from 100% to 90% last year.
Clearly, future payouts of some of these vehicles are not sustainable and are subject to future cuts. Putting financing risk aside, business risk are also abound. The income stream from shipping trusts come from long leases inked with shippers. Spot freight rates have dropped and to our knowledge, two liners have gone bust last year. So, what's keeping liners from renegotiating leases with the shipping trusts?
As for REITs, based on the need to have a prudent capital structure, there is no doubt that many may have to reduce their payouts or may face refinancing stresses in future. Many saw the refinancing by smallish Cambridge Industrial Trust as a thumbs up for the ENTIRE sector. Please don't kid yourself. Note that the quantum involved for Cambridge was small. Do also count the number of banks involved for the S$390 mil and take note that the resulting interest cost of 6.6% was not the most attractive ever, thereby leading to a DPU cut. When the refinancing of a larger lump sum say involving S$750 mil and above comes about arising from an expiring CMBS facility, an entirely different story could play out.
REITs with no roll over access would have to do a cheap rights issue, thereby crushing its DPU. It is no secret that investment bankers have approached the S-REITs with respect to doing rights issuances. Saizen and A-REIT have been the first to bite the bullet with new equity issuances. Will more S-REITs follow? The debt maturity profile of some suggest that the likelihood is high.
There's an irony towards doing rights. As a corporate, you want the market price to be high in order to raise more equity. However, if the market gets a whiff that a rights could be on the cards, a mad selloff usually ensues. So, a corporate which really needs the cash usually ends up engaging in a more dilutive exercise to the detriment of the remaining holders. Further pussy footing may even cause the company to go belly up if it gets caught in a vicious downward spiral making a rights issue impossible. General Growth Properties in the US and several Aussie REITs appear to be victims in this respect.
So, it can be upsetting for an investor examining the DPU figure - either the numerator (dividend) drops due to higher interest expense, lower income or the denominator (number of units) increases following a rights exercise!
REITs may need to conserve cash to stay afloat. Bloomberg has estimated that an estimated 70 % of the American REITs are likely to pay out its dividends in scrip instead of cash this year. For example, New York based Vornado Realty Trust, America's third largest REIT, has announced that it would pay up to 60% of its next quarter dividend with scrip.
The regulators of S-REITs stipulate a minimum payout in order for these structures to enjoy a tax break and also to give holders certainty of income. But stubbornly maintaining the rule in these volatile times could well hasten the demise of these vehicles.
These are extraordinary times which calls for extraordinary measures. The rules on gearing have been re-looked to avoid technical breaches. The fact that REITs themselves are lobbying to allow for a cut in the payout ratio (to only 50%) suggests that the management thinks preserving cash is the way to go in this uncertain environment. Should the high payouts continue at the expense of the vehicles' future viability as a going concern? We argue that a cut in the REITs payout ratio should be allowed in today's circumstances until credit conditions normalise. So the stipulated payout ratio should be suspended if management deems fit.
We have applied our judgment and obviously have complied a list of "stay aways". But we do not profess to be superior beings and so cannot be here to tell you which of these business models or trusts are at high risk. After all, we may be dead wrong ourselves. Furthermore, it is also unfair to tar all these vehicles with the same brush. So examine the business model to satisfy yourself of its viability. But if you have not done your homework and are simply lured in by the astronomical historical yield, we advice you to stay away. Merely keeping your fingers crossed in hope of sustainable future payouts may not pan out well and will instead lead to another annus horribilis for your portfolio.
Hence, we wish to take this chance to remind you that: all that glitters may not be gold. During their course of duty, medical professionals are sometimes confounded with the need to make tough calls: - Do you severe the limb to preserve the life (ie, keep the business going by cutting DPU) or let the rot fester in at the risk of one's life later (ie, maintain DPU but face refinancing and counterparty issues down the road at the risk of destroying the entire entity)? As an investor without management influence, you may wish to hang on like a deer in the spotlight to see if the DPU gets crushed or take action now and bail out before the dividend payouts get axed and see your capital impaired.
The choice of individuals differ. But the choice is in your hand.


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It's been a little more than a year since Savannah-Chatham police opened an internal affairs investigation into Cpl. Aaron McKie after a video claiming "police brutality" during the 2011 St. Patrick's Day celebrations surfaced on YouTube.
Police have not taken action on the case, and the internal affairs investigation remains open.
IA investigation
Police spokeswoman Gena Sullivan cited pending litigation as a reason the case hasn't been resolved. A woman seen being pepper sprayed, hit with a baton and arrested in the video has sued the city, and criminal charges remain pending against a man seen being hit with a baton and arrested.
An internal affairs use-of-force hearing on McKie's case was held Feb. 16, but police have not released the results of the hearing and say the case remains under investigation.
Savannah-Chatham police have not released documents related to the internal affairs investigation, requested by the Savannah Morning News under the Georgia Open Records Act, citing the ongoing investigation.
McKie, 46, was suspended with pay when the video surfaced but returned in May to limited duty behind the front desk at police headquarters on Habersham Street, where he currently works in plainclothes.
Citing the department's policy that prohibits officers who are under investigation from discussing their case, McKie declined comment for this story.
A 14-year-veteran of the police force, McKie began his career with the Savannah Police Department before the city and county departments merged and earns $50,475 a year.
He has faced three disciplinary actions in his career but none for improper use of force, according to records provided by the city. The most recent was in July 2010, when McKie received a written reprimand for criticizing directions he was given in a case he was assigned to investigate.
In September 2008, he received a written reprimand for saying "my sergeant is stupid" on a recorded line to the department's dispatch center. In May 2000, he was suspended without pay for one day for refusing to follow a direct order from his sergeant.
Video and litigation
The video, shot about 3 a.m. March 20, 2011, and posted to YouTube the same day, shows McKie breaking up a fight between two Lexington, S.C. women - identified as Patricia Clayton Shields, 22, and Misaela Alquicira, 26 - outside an SUV parked in the intersection of Broughton and Abercorn streets.
A man - identified as 25-year-old Benjamin Tyler Mahaffey of Lexington - appears to be egging the women on and shoves a car door into the fighters.
McKie is seen using his baton to force Mahaffey to the ground and placing his foot on Mahaffey's back. Shields intervenes, placing her hand on McKie's chest, and McKie strikes her with his baton, then sprays her with pepper spray before returning to Mahaffey and handcuffing him.
Shields begins to walk away from the scene, rubbing her eyes. After cuffing Mahaffey, McKie follows her, grabbing Shields by the back of her pants, pulling her back to the SUV and forcing her to the ground face-first. Several versions of the video have been uploaded to YouTube and viewed more than 400,000 times.
Initially charged with obstruction and public drunkenness, Shields pleaded guilty in August to a disorderly conduct city ordinance violation and had a 12-month sentence for public drunkenness suspended.
Alquicira completed 40 hours of community service and attended 30 Alcoholics Anonymous meetings to clear charges of public drunkenness and fighting in public, both of which were dismissed in August.
Mahaffey is awaiting trial on a felony criminal damage to property charge and two misdemeanor charges.
Shields filed a lawsuit against Savannah's mayor and aldermen in January, alleging negligence, false arrest and malicious prosecution and infliction of emotional distress.
In a response filed Feb. 10, City Attorney James Blackburn and Associate City Attorney Peter Giusti contend the city is immune from liability in the incident and that neither the city nor any officer "acted with malice or an intent to injure" Shields.
Investigation timeline
It's not unusual for Savannah-Chatham police's internal affairs investigations into use of force to take a year or longer, according to Lt. Andre Oliver and Capt. Ben Herron, who head up internal affairs.
Representatives of two organizations that accredit law enforcement agencies say it's important to complete investigations in a timely manner.
The Commission on Accreditation for Law Enforcement Agencies, Inc. - which awarded Savannah-Chatham police national accreditation at a Saturday banquet in Mobile, Ala. - does not give a specific timeline for finishing internal affairs inquiries. But Dennis Hyater, a program manager for the commission, said in an email that proper completion of internal affairs investigations is key to the public's perception of a police department.
"To a large degree, the public image of the agency is determined by the quality of the internal affairs function in responding to allegations of misconduct by the agency or its employees," Hyater wrote. "It is important for agencies to set a reasonable time for completions of IA investigations. In checking with other agencies, most place a 45-day time frame on completing these types of investigations."
The Georgia Association of Chiefs of Police's model internal affairs policy gives investigators 30 days to complete personnel inquiries, with extensions approved by the internal affairs director. The association offers state certification to Georgia's law enforcement agencies and sets out the model policy as a guide, not a requirement.
"You want to clear (internal affairs investigations) up as fast as you can for a lot of reasons, and one of those reasons is you don't want to have these cases just hanging on," said Mike Edwards, the association's director of state certification.
The Savannah-Chatham Metropolitan Police Department does not currently have state certification, but police spokesman Julian Miller has said the department plans to seek it.

subset: commoncrawl


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Emerald Green.
I love the rich, vibrant color of emerald green. It happens to be one of my favorite colors and glad it's made a comeback! It's a great accent color for rugs, pillows and painted furniture. Done the right way, you can even paint a whole wall emerald green! It goes well with neutral colors and as long as you don't have a lot of red, it can be paired with almost anything.
Take a look at these rooms that make it easy being green!
Viva la vida and do it with ESTILO!


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Given our current "electoral process," the Alice Cooper Band's paean to presidential politics circa '73 resonates as relevant in '16.
A "Reflected" rewrite from Pretties for You (1969), this Billion Dollar Babies single was immortalized in video.
Among the Cooper clan's more theatrical recordings, Dennis Dunaway holds down the groove, opens up in the verses, and compliments the horn section with his signature "cascading" upper register motifs.


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Over the last few weeks, I've been busy with writing and photography projects as well as teaching. Today, I wanted to share three fun things with you:
1. My photography e-course, Everyday Magic: How to Capture Creative Images with Your Camera, is open for registration! I made a few changes to the class. Now you can go at your own pace and learn when and where you want. For additional details, read the course description.
2. I love Flow Magazine's October photography project, tiny pleasures. Everyday, I write down a list of tiny pleasures in my journal and capture them with my camera too. It's been so much fun! Will you join us?
3. I decided to start a big writing project and I'm SO excited about this new adventure. Once I narrow down the project details, I will tell you about it.
And last but not least, enjoy today's photo essay. The images highlight the tiny pleasures I experienced last week:
What projects are you working on? Share your fun news in the comments section . . .


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Rhinestone motif veil
Touch up your look with a hint of sparkle and understated glamour wearing this delicate, 1-tier fingertip veil. Slender lines of twinkling rhinestones and beads glisten like fallen stars on this delicate veil, pooling into shimmering motifs composed of silvery beads and rhinestones.
Shown with crystal cluster earrings (EA234).


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Accurate Prediction of Lung Transplant Rejection by Combining Functional Respiratory Imaging (FRI) with Machine Learning
Chronic rejection or Bronchiolitis Obliterans Syndrome (BOS) remains the most important cause of death in lung transplant patients. Diagnosing BOS today is challenging due to the lack of sensitive lung function measurements. Spirometry only offers an overall assessment of the lung function without revealing any regional information. FLUIDDA's FRI technology has proven to yield accurate regional information related to lung structure and function.
In a new study FLUIDDA's researcher in collaboration with the University of Pennsylvania demonstrated the capability of FRI in combination with Machine Learning to accurately predict the onset of BOS. The investigators used CT images taken shortly after transplant in a cohort with, at that time, no signs of BOS based on spirometry. About half of the patients developed BOS in the years after transplant while the other half remained BOS free. FRI in combination with Machine Learning was able to predict with an accuracy of 85% whether a patient would go on to develop BOS or not using the images taken shortly after the surgery. These results are of significant importance for physicians treating lung transplant patients and for pharmaceutical companies developing medication for BOS.
The study was accepted for presentation at the ERS, next September in Milan, as a late breaking abstract.


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Top Specialities In Chandigarh
Top Localities in Chandigarh
Top Specialities In Chandigarh
Top Localities in chandigarh
Chandigarh: The City known for medical facilities
Chandigarh, the capital city of two famous states, is also much famous for its medical facilities. It is considered as one of the most advanced cities in the field of medical treatments. Thousands of patients visit this city to get the best treatment for heart, kidney, brain and other issues.
The city of Chandigarh boasts about some of the best medical centers. It is well-connected with the other centers by airway as well as railway and roadway so for the medical tourists also it is a perfect place. As the scope of medical treatments increases, many leading chain hospitals, and experts in the field also have an eye on the development of this green city. Hence the city is going to have some new ventures in the field of medical science. There are some best doctors in Chandigarh who offer their services in different areas. One can find pediatricians, surgeons, neurologists, Cardiacs and nephrologists, gynecologists, physicians, and ENTs as well as cosmetologists in various sectors.
One can find an expert physician in almost each sector in this city. There are also many doctors in sectors of Chandigarh, and one can say that each sector has a specialist. If one wants to check different treatments in Chandigarh, he will not be disappointed as there Ayurvedic, Homeopathic and Physiotherapists also in different sectors.


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DAY 1, Wednesday - Depart for Russia
Depart for St. Petersburg, Russia.
DAY 2, Thursday - Arrive in St. Petersburg
Arrive in astonishingly beautiful St. Petersburg, nestled on the Neva River The remainder of the day is at leisure.
DAY 3, Friday - Full Day in St. Petersburg
Head to Peterhof Palace, the amazing Summer Palace of Peter the Great, known as his Russian re-creation of the French Palace of Versailles. It is famed for its palaces, gorgeous landscaped gardens, terraces filled with gilded statues and fountains. The guided tour takes you to the sparkling fountains of the Upper Gardens and the Lower Parks, stopping for a magnificent view of the Gulf of Finland. Afterwards, return to the hotel with time at leisure for sightseeing, lunch, or shopping. This evening perhaps dine at a charming restaurant and savor the delicious food; be sure to try blinis, a Russian favorite. (Breakfast)
DAY 4, Saturday - Cruise Embarkation
After an early check out from the hotel, morning at leasure before tranferring to the port to embark your cruise on the MS Mstislav Rostropovich. After arrival formalities, time to rest, relax and enjoy your new surroundings. Tonight's dinner welcomes you to Russia and your cruise on the legendary Volga River.. (Breakfast, Dinner)
DAY 5, Sunday - St. Petersburg City Tour & Hermitage Museum
Morning tour of enchanting St. Petersburg begins on the stunning Nevsky Prospekt, the main avenue of the city, planned by Peter the Great. Continue to the Palace Square, Peter and Paul Fortress, St. Isaac's Cathedral with its huge golden dome and the magnificent Church of the Savior on Spilled Blood, a superb example of Russian architecture. This afternoon visit the world-famous Hermitage Museum, housing the largest collection of priceless masterpieces by Michelangelo, Van Gogh, Picasso, Monet, Rembrandt and many others. This evening, join the Captain's dinner on board and get to know your fellow travelers. (Breakfast, Lunch, Dinner)
DAY 6, Monday - Village of Mandrogi
Cruise this morning for Mandrogi, a reconstructed 18th century traditional Russian village set amongst a picturesque landscape. Arrive in the early afternoon, and go ashore for a traditional "shashlik" lunch, served in an open-air pavilion (weather permitting). Walk through the town with its traditional Russian houses (izba) and browse the workshops for handmade Russian crafts, paintings or traditional clothes. Perhaps cap off the afternoon at the Museum of Russian Vodka, with a collection of over 2,500 varieties of vodka from across Russia. In the late afternoon, sail for the island of Kizhi. In the evening, join a Russian language class and enjoy a Ukrainian dinner and entertainment on board. (Breakfast, Lunch, Dinner)
DAY 7, Tuesday - Kizhi Church of Transfiguration
This morning arrive to the island of Kizhi.* Here, you will stand in awe at the Church of Transfiguration, one of the most impressive wooden structures ever erected. This fairy tale architectural landmark is largely responsible for creating one of the most frequented tourist attractions in Russia. The church features 22 cupolas of striking intricacy, built without using a single nail. Wander through the open-air wooden Architecture Museum with its collection of wooden houses, windmills and churches representing ancient Russian architecture. This entire area has been designated a UNESCO World Heritage Site. Return to the ship in time for lunch. This afternoon, attend a Russian tea ceremony on board, or a Russian song class. In the evening, enjoy a pirate themed dinner followed by entertainment on board. (Breakfast, Lunch, Dinner)
*The operation of the Kizhi Church of Transfiguration is dependent on weather and sea conditions. If canceled, the visit to Kizhi will be replaced with alternate sightseeing.
DAY 8, Wednesday - Monastery of St. Cyril, Goritsy
Morning is at leisure on board. Afternoon arrival in Goritsy, an old Russian town with a rich historical and cultural heritage. Stroll the grounds of the 14th century Kirillo-Belozersky Monastery, also known as the Monastery of St. Cyril of the White Lake, one of the largest and best preserved medieval Abbeys in Russia. The wooden churches and walls built at the original location were replaced over succeeding centuries by impressive stone and masonry structures. The monastery's fortified walls, which measure 2,400-feet-long and 22 feet thick, are truly a very impressive sight. In the late afternoon, reboard your ship and join a festive Russian vodka tasting. Tonight, enjoy a Russian style dinner. (Breakfast, Lunch, Dinner)
DAY 9, Thursday - Walking Tour of Uglich
Arrive in historic Uglich on the banks of the Volga River. Uglich played an important role in Russian history when Prince Dmitry used it as a hiding place from the bloody reign of his father Ivan the Terrible. His death made the town famous and led to an increasingly turbulent period in Russia's history. This morning's walking tour will visit the Church of St. Dimitry-on-Blood built in honor of the Prince on the exact spot where he was killed by his father's forces, and the Transfiguration Cathedral marvelously decorated with painted icons and frescoes. The ship will set sail for Moscow at noon. (Breakfast, Lunch, Dinner)
DAY 10, Friday - Moscow City Tour & Kremlin Grounds Tour
This morning relax on board as you prepare for an exciting afternoon in Moscow, the fabled capital of Russia. After lunch on board, begin your panoramic city tour at the Cathedral of Christ the Savior and the former headquarters of the KGB. Explore storied Red Square with St. Basil's cathedral and the famous red brick walls of the Kremlin. The tour of the Kremlin takes you inside the former residence of the Russian Czars. See the famous Czar Cannon, the 16th century Czar Bell, and Cathedral Square, home to three of Moscow's most elaborate cathedrals: the Cathedral of Assumption, the Cathedral of Annunciation, and the Cathedral of the Archangel. After dinner in a city restaurant, perhaps join the optional Moscow by Night tour that travels to lively Tverskaya Street, with its bustling shops, cafes and restaurants and to Victory Park and the observation platform at Sparrow Hills to see a panoramic view of the whole city. End this evening by traveling a few stops on the remarkable Moscow subway, with its lavishly decorated stations in marble, mosaics, chandeliers and statues. (Breakfast, Lunch, Dinner)
Optional: Moscow by Night
DAY 11, Saturday - Disembarkation in Moscow, Novodevichy Convent & Metro Visit
Enjoy breakfast at leisure prior to disembarkation in Moscow. Transfer to your hotel. Time to relax before taking a tour to the 16th century Novodevichy Convent or New Maiden Convent a UNESCO World Heritage Site, This superb architectural monument is one of Russia's best-known cloisters. Afterwards, continue with a tour of Moscow's elegant Subway Stations. You will see some of the most beautiful stations, lavishly decorated with marble, mosaics, chandeliers and brightly colored stained glass. (Breakfast)
DAY 12, Sunday - Depart Russia
Your vacation ends today after breakfast. (Breakfast)
The prices shown are U.S. dollars per person, based on double occupancy, and subject to availability. Prices quoted for land/cruise arrangements are subject to increase without notice. Once we have received your deposit, land/cruise prices are guaranteed. Air prices quoted via phone or email are subject to increase and are guaranteed only from the time that full payment is received. Also, air prices or air promotions mentioned on this site or on the phone do not include baggage fees imposed by airlines. Sorry, we are unable to offer air from countries other than the U.S. However, for those international customers who are able to arrange their own transportation to the trip origination city, we are able to offer the land/cruise portion of the package at the price quoted.
Copyright © 2019 by Vacations To Go. All rights reserved. CST 2072920-50


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A bill in the House of Representatives seeks to expedite Social Security Disability Insurance claims for people with a terminal illness.
"Our disability safety net is failing the very people it was put in place to help," U.S. Rep. Rodney Davis (R-Ill.), who introduced the bill with Rep. Ron Kind (D-Wis.), told the Alton Telegraph. "My office has had several cases where an individual has passed away while waiting for Social Security disability benefits…
"They cannot afford to wait on bureaucratic red tape. Our bill simply speeds up the process for qualifying individuals so they can begin receiving benefits within the first month."
Federal law imposes a five-month waiting period before SSDI beneficiaries can begin receiving benefits, starting from when the agency determines is the date of the onset of the disability.
The Social Security Disability Fairness Act of 2016, introduced May 26, would eliminate this requirement for people diagnosed with a terminal illness, defined as people having six months or less to live, as certified by two independent physicians.
The Social Security Administration would also be required to issue annual reports, tracking data on beneficiaries of the proposed expedited process, including the number of individuals who die within six and 12 months of receiving benefits. The Government Accountability Office would also be required to submit a report within four years of the law's implementation.
Also in May, bills were introduced in both the House and Senate to eliminate the five-month waiting period for people with Amyotrophic Lateral Sclerosis, more commonly known as Lou Gehrig's disease.


text: I've noticed that when this blog is viewed in any format or engine other than Chrome, my 'f's are missing. Well, in particular, the 'f's before 'i's. Apparently this is a font problem. I'm working on it. Just wanted you to know I really do know how to spell. :)


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Construction Updates
May 2016
VL2 Lab
The Office of Campus Design and Planning is excited to announce the completion of construction of a new 500-square-foot research lab in the Sorenson Language and Communication Center.
The Action & Brain Lab, with electroencephalogram (EEG) equipment, is headed by Dr. Lorna Quandt, a new faculty member in the Ph.D. in Educational Neuroscience Program. The lab joins Gallaudet University's Brain and Language Laboratory for Neuroimaging (BL2; Dr. Laura-Ann Petitto) and the Language and Educational Neuroscience Lab (LENS; Dr. Clifton Langdon). The establishment of these laboratories demonstrates Gallaudet's commitment to strengthening its position as the epicenter of research, development, and outreach leading to advancements in new teaching, learning, and career opportunities for students, and new knowledge and practice for deaf and hard of hearing people and all of humanity.
International Design Competition
Four finalists announced: http://www.gallaudet.edu/news/design-competition-short-list-.html
The competition has been extended and more updates forthcoming.
The construction of the new Model Secondary School for the Deaf (MSSD) student residence hall is underway. This approximately 70,000 square foot, 158 student-bed facility will be on the site of the previous Residence Hall "B" (RHB) building, located northeast of the MSSD school building.
The three-story building will provide shared common areas on the first floor. The upper two floors will be configured as two L-shaped wings that provide distinctly separate space for boys and girls. The project is scheduled for student occupancy by the end of 2016.


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Now that Congress has lifted the furloughs for air traffic controllers, it's back to business as usual for vacationers — and back to the same old grind that business airline users have seen for the past 30 years.
The marketing gurus in aviation have historically focused on the fun you and the airline are having. Only one company — Trans World Airlines, which merged with American in 2001 — ever really tried the business-first approach, with the quasi-military sounding, "They have just one mission … yours."
These days, slogans are less ambitious, like Delta's campaign from 2010, "Keep Climbing." That sounds like something you might whisper to yourself at take-off, rather than a real statement about the effectiveness of air travel.
Small wonder, then, that the changes aircraft manufacturers have in the works are aimed at saving money for airlines or distracting passengers from the true drudgery of flying. They really have very little to do with the business user.
The BBC recently reported on changes Airbus predicts for the aviation industry by 2050. Among the ideas Airbus has brewing for the aircraft of 2050 are gliding landings to improve fuel economy, biofuels to reduce carbon emissions, and fancier cabins with features like virtual reality and transparent ceilings so that passengers can see the stars.
(For my money, a virtual-reality transparent ceiling might be enough. I'm not sure I'll feel particularly secure with a Jetsons-style clear bubble overhead instead of a good old-fashioned roof.)
Responding to Airbus' airplane of the future, the Beeb pointed out that the only real innovation in aviation over the past decade or two was a shift to lightweight composite materials to cut fuel costs. They questioned, rightly, whether the next 30 or more years will see only superficial changes to aircraft when the same period previous saw the development (and the demise) of the Concorde and supersonic transport.
Look: Better cabin appointments and fuel efficiency are all well and good, but they make very little real difference to the business user. The only way for aviation to keep pace with the speed of business is to cut down the amount of time it takes to get from point A to point B.
And yet, speedy travel is still not enough for today's business. Let's look at our previous example of the Concorde. The Concorde is the only truly fast plane ever built, and it failed ultimately because it still was not fast enough for the market that needed it — bankers flying between New York City and London.
(The French Concorde was more of an act of vanity, with far too few departures to make it anything other than a white elephant.)
Even in that very focused undertaking, the flight was just too slow. The banking business — in fact, most business — is now routinely conducted almost entirely electronically. Electronic technology has made massive leaps forward in speed in the same time that airplane builders are thinking about things like clear roofs for star-gazing travelers. It's practically a billboard that the industry is giving up on business users.
This isn't the time to give up. In August 2012, the Labor Department reported that U.S. labor productivity grew by 1.6 percent annually at the second quarter, up from a negative 0.5 percent in the first quarter. This past March, the Bureau of Labor Statistics showed that nonfarm business sector labor productivity decreased at a 1.9 percent annual rate during the fourth quarter of 2012. We're bouncing around at a rate that hasn't changed much in years.
How does this tie in to air travel? If we are going to get out of our economic growth miasma, we have to think differently. Doing what we've always done is not sustainable.
Now, what matters is not at the edges of the technology. The very fastest or very slowest means of getting there are irrelevant. It's the middle that makes the difference. If we are going to become more efficient, it's not supersonic aircraft, bullet trains, or self-driving cars that will get us there. Nor is it tricked-out airplane cabins and other distractions that offer a superficial sense of progress without actually offering a useful benefit. We need to make use of technology while in flight.
A number of airlines are toying with paid WiFi on aircraft. To their surprise, few people are willing to pay for the high-speed access. I don't know why they're surprised. After getting to the airport hours before departure time, paying baggage fees and enduring frequent runway delays, I don't want to part with more cash for high-speed Internet. And I especially don't want to do it when I know that Google could offer 10 MB to my home in Austin, Texas, for free.
Instead of looking at it as yet another revenue stream, airlines should consider offering WiFi for free. Then business users will get the most of their flight time. That's far better than supersonic flight. It's flying as we all know it, augmented with the speed of the Internet.
And while we're at it, how about more power ports onboard? It's such a simple thing. If I can turn my seat into my workspace, I'll get a lot more out of my flight. I really don't want to stare up at the night sky through a transparent ceiling, or wear virtual-reality glasses to pretend I'm not late for a meeting because of flight delays.


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I was standing in a sanctuary in the woods as worship began.
I was attending a Christian writing conference where they told me how to get published and get an agent and publisher and the whole nine yards. It was growing dark outside as I sidled into a pew with another lady beside me.
I was tired. I didn't want to be singing.
I stood and I sang anyway, quietly praying that nothing would happen. I prayed that God would help me rest. I asked him to hide me in the cleft of the rock like Moses. I was weary of the hecticness of life, of the constant noise and the bright lights and the thrills. It was like I was at a carnival and had some deep-fried-something-or-other and was riding the Tilt-A-Whirl, waiting to get sick.
I glanced to my left, where my pew-mate stood, and noticed how serene she looked. The music seemed to wash over her and through her; it was like the Lord was tucking her into bed or something, gently singing a lullaby as she closed her eyes and steadied her breathing.
The sun began to sink a bit faster.
The sun is sinking as I write this.
The chair my feet are resting on has a slight wobble to it. Certain letters I type—like L, O, P, and the others on the left side of my keyboard—make the chair almost lose balance again. It begins to tip over onto its back leg like a barrel over a waterfall.
As I write this I am hurrying. Racing the sun as it sets, my fingers lightly tap over the keys, all the keys, composing something—anything—before the dusk. This week I wasn't as productive as I needed to be. I haven't written an article I'm supposed to write for an online magazine. I barely finished a paper I presented today. Work has been slow, and I haven't had as many deep conversations as I usually do. As I usually do or as I should, I'm not sure which.
I just need to be productive. So I write.
I planned on writing really poetically about sunsets and rest, but that's not actually why I'm writing. I'm writing because I need to be productive. I'm writing because people have mentioned they haven't seen anything on my website recently.
The sun is beginning to sink a bit faster.
I just want to learn how to rest. I sat in silence as the speaker took the stage, my mind still racing. God, why can't I find rest? Why haven't you taught me to rest yet? I'm twenty-three, shouldn't I feel at peace? Is this the pattern my life will follow? Will I ever feel true rest?
When it was over, the lady next to me, who I found out is named Robby, struck up a conversation.
She asked me my name and I said Drew and then she asked me what I liked to write and I told her I liked writing about authentic Christianity, about life in a way that didn't trivialize anything. I liked simplicity. She smiled and nodded her head, actively listening to me and oozing a peace that I was growing quite fond of. I asked her what she wrote.
"Oh, I write about God. I should write on my blog more often, but I don't do it enough. I especially like writing about the Sabbath though."
The Sabbath.
People were filing out of the sanctuary, but I stopped noticing. We continued to talk, but suddenly I felt like I was carrying on two conversations at once. One with her and one with God.
I explained to her how I had always meant to keep the Sabbath but hadn't. I just had writing and homework and others things to do. Life was too busy.
God told me in that moment that he wanted to answer my prayer. He told me that he already had.
Robby told me she takes her Sabbath the old fashioned way, from sundown Friday to sundown Saturday. She encouraged me to do the same.
God told me he invented a day to teach his people how to rest. He said if I want to rest in the cleft of the rock, I should start by letting him teach me how.
The sun had fully set by this point. It was Friday.
It's now been six weeks and five Sabbaths since that conversation occurred. I am hurriedly typing these words onto my computer before I can't anymore, before I have to rest.
Sometimes it feels like a plague. No working for 24 hours, my mind yells at me. I am trying to remind my mind that the Sabbath was made for me, not the other way around. But I enjoy being efficient.
I enjoy the way people look surprised at how much I can fit into my day. I enjoy the knowledge that I finished a checklist. Like a spiritual grocery store, I want to show my list to God and tell him how good I did at successfully getting all the items. Discipleship and vegetables-check. Mentoring and fruit-check. Deep conversations and protein-check. I even avoided the temptations-and-high-calorie-processed-food aisle. Check. Check. Check.
See, God? Look at my list?
But I only end up tired, no matter how many vegetables I eat.
Robby said she worried about the same things. She worried she wouldn't be able to keep up if one/seventh of her week suddenly vanished. She told God that. God told her to practice the Sabbath anyway, just as he told me.
As I sit and write, I am realizing this post will end almost at the same time the sun splashes down and visits the other side of the world. I think that's fitting.
My computer battery is almost dead, too. I think that's fitting as well.
I feel ill-prepared, but I trust my Teacher.
Now it's YOUR turn! Anyone want to join me in being a Sabbath Keeper? Email me (drew@drewbrownwrites), I think it'd be cool to get a group that can support and encourage one another!
Also, my fellow Sabbath Keeper and inspiration for this piece, Robby, writes a lot about Sabbath over on her blog! Check it out here!
Have any practical tips on how to rest? Comment below!


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Sweeney Todd: The Demon Barber of Fleet Street
is a 1979 musical thriller with music and lyrics by Stephen Sondheim and book by Hugh Wheeler. The musical is based on the 1973 play Sweeney Todd, the Demon Barber of Fleet Street by Christopher Bond. Set in 19th century England, the musical tells the story of Benjamin Barker, alias Sweeney Todd, who returns to London after 15 years' transportation on trumped-up charges, to take revenge on the judge who banished him.
Sweeney Todd opened on Broadway in 1979 and in the West End in 1980. In addition to several revivals the musical has been presented by opera companies. It won the Tony Award for Best Musical and Olivier Award for Best New Musical.


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Main Gallery Series Week Twelve - Cripps Barn Wedding Photography...
21/09/2013- Link
Weddings at Cripps Barn...
It's 7:30am on a crisp September
morning and soon I'm off to shoot a Vanessa and Jez's wedding at Cripps Barn...
As is often the case on the day of a wedding I wake up exceedingly early with a mixture of excitement and nerves...today is no different. The excitement I get from shooting a wedding never leaves, in fact, as the years roll on it seems to intensify. I love what I do and I love getting my clients images they'll treasure, but before the start of every wedding I have butterflies. Butterflies I hope will never leave.
Anyhow, I digress. For this week's photograph from images which feature in my main gallery I have chosen an image which I feel is fitting as it was taken at my first wedding I photographed at Cripps.
There is a real trend in wedding photography nowadays for everything to be 100% documentary with zero interference from the photographer. This on the most part I agree with... Although, I will open curtains, I'll move the odd bag and adjust a mirror from time to time too. Basically I'll quickly create the best environment for photography possible and once in place I document what's seen with as close to zero interference as possible.
However, there is another side to my work which is set up and as far from documentary wedding photography as possible. This shot below is a great example of this and it's all about imagery. How I see things is, my clients book me so they can have a record of their day, but a record of their day with the strongest images possible.
I do also know, that many in the wedding photographers would look at a photograph like this with disdain, but for me strong imagery is strong imagery. It's a photograph I love, but above all it's a photograph my clients love and as such, I feel I have done my job.
As always thank you for your interest in my work.


text: Had such a great time being a part of sweet little Ori's one year birthday celebration! Time really does fly that first year and babies change and grow way too quickly. Glad her family will have these to look back on as she reaches future milestones and can remember everyone who traveled from near and far to celebrate this precious baby.


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MujinaBy Matt on May 31, 2013, in All of Japan, animal, badger, Chūbu, Niigata, shape-changer, The Night Parade of One Hundred Demons, Tōhoku, yōkai
TRANSLATION: badger
ALTERNATE NAMES: anaguma; known as tanuki or mami in some regions
HABITAT: forests and mountains
DIET: carnivorous; feeds on small wild animals
APPEARANCE: Mujina, or badgers, live in the mountains, generally farm from human society. These days, ordinary badgers are usually called anaguma, while the term mujina usually refers to their yokai form. They are frequently confused with tanuki because of their similar size, appearance, and magical prowess. Additionally, in some regions tanuki are called mujina, while mujina are called tanuki. In others, the term mami is used to apply to both animals.
BEHAVIOR: Mujina are a slightly less famous as yokai than other shape-changing animals. They are very shy, and do not normally like to be seen by or interact with humans. Mujina encounters are much less common than those with other animal yokai. The few mujina which do live among human society take great care not to betray their disguise in any way, unlike other animals which are often much more careless.
INTERACTIONS: When it is dark and quiet, and there are no humans around, it is said that mujina like to shift into a humanoid form – usually that of a young boy wearing a tiny kimono – and sing songs in the street. If approached by a stranger, they run away into the darkness and transform back into animal form.
OTHER FORMS: The most well-known form mujina take is that of a nopperabō, a seemingly normal human form, but with no facial features whatsoever. They use this form to scare and panic humans who wander mountain or village roads at night time. Because of this, the two yokai are often confused, and noppera-bō are sometimes referred to mistakenly as mujina. However, other animal yokai do take up this same form, and there are non-animal noppera-bō as well, so care should be taken to avoid this misunderstanding.


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The Full 90
The Wizards Top Five moments at the CAB
After three years of soccer in a minor-league baseball stadium, the Kansas City Wizards are finally moving to an stadium designed for soccer. Which means this Saturday we get to say goodbye to CommunityAmerica Ballpark.
They've not been the three most glorious years in Wizards history -- the CAB only hosted one playoff game in three years -- and this hasn't been the most glorious year in Wizards history. There are probably many who will be in attendance who can't wait for the season to be over and the team to be out of the CAB.
While I understand that sentiment, I have to admit -- I'm gonna miss the CAB. So much so, that I feel it's time for a stroll down memory lane.
Quick piece of trivia: Who is the all-time leading goal scorer in CAB history? (I'll give you one hint: It's a trick question.) I'll reveal the answer at the end.
The Top 5 Moments in CommunityAmerica Ballpark5. Claudio's wonder goal (7/25/09)
The first designated player in Wizards history produced a bit of magic in a Wizards uniform -- he produced a bit of the opposite at times too. But there was no goal in his time with the team as unforgettable as his midfield chip over Donovan Ricketts in the only "DAVID BECKHAM!" game at the CAB.
My favorite part of that goal? Ricketts left the game injured. His injury was listed as "back spasms" only because the team was embarrassed to write "wounded pride."4. The first four-goal game (3/27/10)
Hard to believe, I know, that a team that played as "attractive attacking" football as the Wizards the last three years didn't break the four-goal seal until the home-opener this season. That opened the floodgates so to speak, as there were two more four-games this year -- the boys in blue had 4 against New England (8/21) and 4 against Houston (9/22).**The 7 goals scored in the Houston game, which will come up again pretty soon, on a Wednesday night are the most goals scored in CAB history. 3. Opening in Style, the Debut (3/29/08)
If you invite a few friends over for a house warming party, you want everything to go smoothly. You don't want someone to spill red wine on your new white carpet. Thankfully, the Wizards home opener went as smoothly as possible. In front of a capacity crowd, Ivan Trujillo and Claudio Lopez put two past D.C. United to send the Wizards to victory. The winning ways would, for the most part, continue from there. KC goes into Saturday's game 18-13-13 all time in the CAB.**Without looking it up, can you guess how many players that were in the team's 18 that night are still on the roster? Answer at the end. 2. Josh Wolff's Winner (9/22/10)
Wolff didn't have his greatest year as a Wizard this season. He lost his starting job when he didn't fit smoothly into the Wizards new 4-3-3 formation and has been a very highly paid situation sub since August. But he had his moments. The most important of them was his last-gasp stoppage-time header to lift KC to a 4-3 victory over Houston. At the time, it was a playoff-saving goal.
Wolff's goal starts about 4:47 into this clip:1. The San Jose Game (10/18/08)
This game, which secured the Wizards only playoff appearance in the CAB, was a back-and-forth on-the-edge-of-your-bleacher game from the outset. It featured 5 goals in total; twice KC surrendered a one-goal lead. The last 10 minutes of this game were INSANE. Chance after chance seemed to go for naught. That was until, with the game in its dying seconds and everything hanging on the line, mid-season acquisition Herculez Gomez scored his only goal as a Kansas City Wizard off a Lopez corner kick.
Pandemonium is a pretty good word to describe the aftermath.
Herc's goal is at the 5:00 minute mark:
I've not been following the Kansas City Wizards for that long. My experience with the team is a little shorter than the team's life at the CAB. This is in my favorite game in that span. And it's not really close.
Honorable mention: The Postal Worker Game (i.e. the Snow/Sleet/Rain Game against SJ in April 2009), The Prime-Time ESPN Game (the only Thursday night ESPN prime-time game in April 2009) and The Playoff Game That Wasn't A Loss (Nov. 1, 2008 against Columbus).
So long CAB. You weren't the prettiest fish in the sea, but you put up with us, cooked us dinner and didn't complain when we got abusive. So... what was your favorite moment in the CAB?
Trivia Answers
1. The all-time leading goal scorer in CAB history? It's a bit of a trick question. Davy Arnaud, Claudio Lopez and Kei Kamara have scored 9 goals as Kansas Wizards. Kamara, with his slightly famous goal* on July 4th, 2009 as a member of the Houston Dynamo, has 10 all time in the cozy confines.*Kamara went to the pitcher's mound after scoring and produced a glove and did a Michael Jackson impersonation in honor of the then-recently deceased King of Pop.
2. There are six Wizards who were in the team's 18 on opening night at the CAB who are still on the team: Jimmy Conrad, Jack Jewsbury, Jonathan Leathers, Michael Harrington, Eric Kronberg and Aaron Hohlbein. That's right, not a single attacking player!
An even more interesting question: How many players in the team's 18 on opening night in 2008 are still in Major League Soccer? The answer is 12: Kevin Hartman (FC Dallas), Conrad, Jewsbury, Tyson Wahl (Seattle), Leathers, Harrington, Lopez (Colorado), Ryan Pore (just signed with Portland for next year), Scott Sealy (San Jose), Kronberg, Hohlbein and Kurt Morsink (DC United).
The other players on the team for opening night: Carlos Marinelli (Gyori ETO, Hungary), Kerry Zavagnin (retired, now assistant coach for the team), Ivan Trujillo (Deportes Quindio, Colombia), Amir Lowery (Carolina, USSF Division II), Michael Kraus (unattached) and Eloy Colombano (Ferrocarril Sud, Argentina).


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Not even the seagulls could stop Jorge Lorenzo from conquering pole position at Phillip Island.
It was an intense battle between Championship leader Marc Marquez and #99 (Lorenzo) who has to make sure he is not outscored by 8 points this weekend if he wants to keep his championship hopes (and crown retention) up.
Marquez who is a previous winner here as well, took a bit of a step backward on Friday Practice when he over gassed the Lukey Heights corner, causing his rear to step-out.
"On the crash I opened the gas at the same place, but when I tried to open it a little bit more the rear was sliding so aggressively. Maybe I opened a little too much. I know now that I can't open more gas in that corner!"
It will surely be an interesting race, as all riders will be forced to change bikes at some point in the first 14 laps of the race due to
Pirelli's Bridgestone's concern with tires overheating on the resurfaced circuit.


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2016: Year of the Clothesline or Plight of the Queer Bully/
People say the new year is a time for fresh beginnings. While I've been a pretty unapologetic person as far as my aggression for cishet people is concerned, I've been trying to study pacifism as a tool for understanding. I tell myself I'm ready to turn over a newer, kinder leaf in 2016.
If every coffee date I'd gone on in 2015 with a cishet male solely for the purpose of explaining queer aggression and identity politics in relationship to the Savannah DIY scene had been an actual date with a queer babe, I'd be a player. But in a lot of cases, the proposal of a chai tea latte and conversation won't convince some of the more aggressively insular people in my community to talk about their straightness. Oh how quickly can I abandon that newer, kinder leaf.
On a smaller scale, this cishet insulation is something every community experiences regularly—groups of like-minded people stick together, play music together, book other bands together, and generally, attend the same kinds of shows together. But what happens when that division gets identified? What happens when that division is socio-politically contextualized by a queer person concerning heteronormative culture? What happens when that queer person isn't nice about it?
Forget calling out cishet folx on Facebook. They delete things and block you.
Forget showing up in the front row of their shows wearing a defaced version of their band t-shirt. They stand ten feet away and talk about you.
Forget asking them to come to community meetings. They victimize themselves.
Forget calling them in. They spread rumors to everyone.
Forget trying to hold people accountable. They use misogynistic language to deny their own internalized misogyny.
And YES, while all of these things are micro-aggressions on a very large scale of violence enacted against queer people and gender variant people throughout the world, they're still on the damn scale: Like threads woven into a blanket of privilege that caters to white, cishet people and their morbid misunderstandings with queerness that perpetuate oppression nonetheless.
[It often seems like] we're socialized to avoid confrontation. Even people who love it love to hate it. But as a queer person, as a trans person, I've learned that all the "let's just love each other" sentiments in the world don't mean shit when you're angry—especially when that message is coming from the mouths of people who have chosen to cut off communication with you. Extra-specially in a community where general access to the internet is available—where people can afford to take care of themselves and still have free time to teach themselves, to learn, but instead they wait for you to post the good articles and ask you insensitive questions. When they preach their allyship to the queer community and then misgender you without apologizing. When they preach their allyship but draw a line in the sand when you raise your voice. When they preach their allyship but only if you're nice to them. When they validate their own spaces as safe "for everyone" but don't understand why queer safety is prioritized in a queer safe(r) space. Honestly though, leave it up to cishet people to assume their education concerning queer issues has to come from you and not by their own fruition.
"...as a queer person, as a trans person, I've learned that all the 'let's just love each other' sentiments in the world don't mean shit when you're angry..."
So I know that the new year is supposed to be about fresh beginnings, but for me its really about no beginnings. I'm tired of seeing queerness in Savannah aestheticized and appropriated by cisgender heterosexual people so they can seem "alternative." I'm tired of watching cishet men benefit from violence as an aesthetic in the punk scene and then get signed to bills with bands who write their songs about men like them. I'm tired of hearing people in my community generate narratives about the importance of queer visibility in a city where queer people get ostracized for being too visible or "always making it about being queer." I'm really, really, really tired of everyone name dropping their "gay friend" when conversations get tough. And while I'm not tired of talking, I'm really tired of engaging in dialogues that end with us contemplating the fragility of your ego and admiring the lines you've drawn in the sand away from me.
You've never come to any of the shows we've had at QuoLab, Savannah's only DIY self-proclaimed queer safe(r) space. You say its because you'll feel uncomfortable and that's "not cool," but I think you're confused. QuoLab is not the Friendly Portal to CisHet Education you keep articulating our space should be. Before you act so afraid to come to an event where you might feel like the odd person out, sit down and imagine us queer folx going up to bat with your toxic heterosexuality and neurotypical shit in most spaces. And then show up for an event, observe, ask people's pronouns if you don't know them, and learn something like you want to so badly, RIGHT? If you forget any rules, there's a sign on the front door.
Besides using early 2016 to focus on booking shows for the queer clubhouse, 2016 is my "Year of the Clothesline." Sort of the end of "fresh beginnings" and the beginning of "freshly ended." It's the part where we stop wasting time running circles around aforementioned dialogues concerning your internal phobias. We're BOTH gonna live up to the expectations that you've created about me and the ones I create for myself. (And Yes, I'm The Violent Kind Of Anarchist.)
So, here's a written exam to find out if you'll make the cut:
Do you like to mosh to punk music? Do you like to aestheticize alienating mindsets about trans people for your EP? You want us to get together and incite revolution against "the man?" You wanna put a mask on and have people contextualize you as a "serial killer" for your set? You wanna "play a caricature of yourself" and that's why your lyrics are misogynistic? You wanna use someone's mental illness to contextualize their aggression but use my mental illness to villainize me? You wanna delete posts created by trans people about the lack of visibility for queers in your community? You wanna throw someone up to crowd surf and get mad at me when I want to talk about accessibility concerns? You wanna put your hands on me without asking when you KNOW I hate it? You wanna laugh about it? You wanna practice cognitive dissonance and militarize the identities of other queer people in the process of me articulating my struggle? You wanna book bands that sing about confrontation and physical violence but you don't like it when "actual people" confront you and wanna hurt you? You wanna question the validity of my anger and individualize my experience for the sake of dismissing it? AND you wanna do all that, unapologetically?
My autonomy is no longer up for question via the articulation of my experience that you only choose to engage with when you're silencing me or talking shit about me. PSA: I am not here to walk you through apologizing for misgendering me. I am not here to hold your hand while you figure out what the fuck cisgender means. And I am no longer here to pat your back when you realize your heterosexuality is suffocating. But I am standing over your shoulder. And for those of you "violence isn't the answer" people, just make sure the door closes behind you on your way out.
Bottom line: If you didn't pass the test, I wanna throw some bows. Please, call me up or PM me so we can rock out on that violent aesthetic you love so much. Remember when you said you wanted "all of this" to go away? It won't. So if you are one of the people calling me a "bully" you haven't met the Raine of 2016. This angry queer is here to stay and this time they've got their arms out: Its the "Year of the Clothesline."
Rainé is an agender trans person and drag princex with House of Gunt. They co-facilitate QuoLab, a queer safe(r) space in Savannah, GA.


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The Global Privacy Watch Blog
Provides employers around the globe with the latest legal news and updates on the protection and use of personal information by businesses.
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Members of our team, located in the United States, the UK and Asia Pacific, assist multinational employers with a full range of labor and employment-related matters globally, with issues ranging from day-to-day international matters on a single-country basis, to large and complex multi-jurisdictional employment law projects. These projects include:
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Seyfarth named US Employment Law Firm of the Year by Acquisition International
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A home is probably one of the largest purchases (if not the largest) we will ever make. It's probably safe to say that very few of us start out with enough money to buy one outright. And that's where mortgages come in.
A mortgage adds significant financial liability to the purchase price of a home, so it makes sense to find out everything we can about getting financing that's the best possible to meet our budget and criteria. How do we do that?
Well, first and foremost, a mortgage is a loan, so the overall financial environment is crucial to parameters such as interest rates and home prices. As demand rises, so do home prices and interest rates, and right now a strong economy means greater demand.
Here are some important things to keep in mind about getting financing that's right for you:
Your Credit Rating.
The first objective assessment of qualification for financing is your credit score. It is important to both understand your score and to know what (and why) items appear on your credit report.
Here's a tip: Look over your credit report very carefully because it is not uncommon for items to appear there in error. If there are erroneous items, get to work to have them resolved. If you're going to be shopping for a mortgage, use credit carefully. Keep revolving balances to a minimum and limit the number of revolving accounts you have.
Be Realistic About What You Can Afford.
The best case scenario is to select a home in a price range that allows for a reasonable down payment (10-20%) with a resultant monthly payment that accounts for about 30% of your monthly net income. A simple affordability calculation is a home that is about 2.5 times your annual income.
Tip: Many financial institutions offer 'mortgage calculators' that (1) help you gain insight into what you can afford, and (2) account for specific options offered by specific lenders. Take some time to check out a few and compare and contrast the deals.
The Down Payment.
Although it is possible to buy a home with no down payment, it's usually better to plan ahead so you'll have some security on hand when the time comes to approach lenders. The amount you're qualified to finance is a function of the Loan-To-Value Ratio (LTV), which is calculated using the amount you're financing over the value of the property. The higher the LTV the better. And, in most cases, 80% LTV is the rule. Most lenders will require that you obtain private mortgage insurance (PMI) for an LTV ratio below 80%, which is another potential hit to your overall expenses.
Many of us, especially first-time buyers, become 'house-poor' after purchasing a home. Long-term planning for your house purchase should include having significant savings on hand in addition to money for a down payment.
You'll have closing costs to cover.
You may need money for small repairs and decorating.
Nearly every home requires maintenance and upkeep which can cost upwards of a few thousand dollars each year.
You'll want to ensure you are able to cover your mortgage payment(s) in the event of loss of income, although many mortgage groups are willing to work with their clients under special circumstances.
Keep in mind that pre-approval is different from being pre-qualified. Pre-approval means a lender has evaluated your financial position via your credit report and any institution-specific qualification process. This requires credit inquiry, so make sure you're ready prior to applying for pre-approval.
Mortgage Options.
Mortgages are offered for various terms, i.e., the length of time required to repay the loan. There are also programs for first-time home buyers like Federal Housing Administration (FHA) insured loans. Loan options are there to give you flexibility in choosing the plan that best meets your individual needs. Be sure to evaluate all the options available to you carefully.
Consider all the factors, especially the costs, of each option. Remember that a shorter loan term means you pay a lot less interest, but the pressure of a higher monthly payment may not be a desirable trade-off. On the other hand, minimizing your costs today generally means you'll pay a lot more in interest in the long run.
Employment and Income.
Employment history and income stability are large considerations for lenders. Having a stable (at least two or more years) job gives lenders a degree of confidence that equates to favorable consideration for financing. All borrowers must be prepared to show proof of income (bank statements, pay stubs), and self-employed or commissioned employees are no exception. This simply reinforces that having a strong financial position as you begin the home purchasing process is ideal.
Finally, if all of these other considerations haven't frightened you away, there is one last important step: Be ready to act fast. Once you've found the right home, it is imperative to move decisively in order to get it. This is best accomplished through planning and preparedness.
Having your financial affairs in order up front is the best way to ensure you're ready when it's time to buy. The process of getting financing for your dream home doesn't have to be a nightmare!
Related Resources
Bankrate How To Get a Mortgage
lendingtree Today's Minimum Mortgage Requirements


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Do you have old clothing you no longer use? Jan-Run Wan is creating a work of art for the Town of Cary using old clothing that has a history.
Fabric will be selected from the donated clothes according to colors, fabric type and designs that can fit into her creation.
For more information, please visit: Jan-Ru Wan 萬珍如 Installation Artist & Fiber Art


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We have the experience, resources & expertise to evaluate your entire operation & provide you with the necessary support to improve your financial results while elevating your guest experience.
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Shaved Zucchini Salad With Parmesan and Toasted Pine Nuts
I never appreciated raw zucchini until I tried this salad. It was 2008 in Italy at the Terra Madre conference where I was fortunate enough to attend as a delegate. Before that fortuitous encounter, I believe undercooked zucchini to be a missed opportunity relegated to steam tables at low-budget buffets alongside poorly done chicken parmesan. However, slicing zucchini squash into delicate slivers, tossing with a fresh lemon-olive oil dressing, and pairing with toasted pine nuts and parmesan (as is done in this salad) totally transforms the texture and flavor to be something purely delightful. The other great thing about this salad? It's incredibly quick to make, requires ingredients you are likely to already have around, and is the perfect addition to a summer dinner washed down with rose. Below recipe serves 4, but can easily be adapted to more or less people.
- 2 large zucchini (or summer squash)
- Juice from 1/2 lemon
- 2 tablespoons olive oil
- Salt and black pepper to taste
- 1 ounce pine nuts
- 1 ounce parmesan
- 2 tablespoons chopped fresh parsley
- Using a mandolin, shave zucchini into thin rounds or thing long slices*.
- Whisk lemon juice, olive oil, and a few pinches of salt and pepper. Toss zucchini in dressing and add more salt/pepper to taste.
- Toast pine nuts in a cast iron pan on medium high for about 2 minutes, tossing frequently, until golden brown.
- Top zucchini with pine nuts, grated parmesan, and parsley.
- Serve at room temperature.


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We all have bills and we all have to pay them. However, when it comes to personal finance and budgeting, some people pay out their expenses like this:
1. Get statement (in the mail- as in snail mail).
2. Stay away from statement ("ack! a bill! I'm stressed about cash!")
3. Two weeks later, bear in mind stated statement ("oh &$*%! I have to pay this or I will lose (fill in blank) services!")
4. Compose verify and send to support provider (and spend nearly 50 cents to send it).
Occasionally this happens:
5. Forget about examine, devote funds that was reserved for bill, examine bounces.
6. By no means created it to phase 3 and services is shut off and the mad dash to pay the bill ensues.
YIKES. If you are stressed about funds and bills there are only two things to do: Take Obligation and AUTOMATE IT.
Having to pay your expenses this 'old school' way is nerve-racking and it is what is putting you in a economic hole. You are human. Human's are not reliable. We forget, we make causes, we are impulsive, we choose 'want' in excess of 'need'. It really is our biological nature so don't be offended.
So what is that-individual-you-know-who-has-control-in excess of-their-finances doing that you are not?!?! I imply, they are human as well, right??!
TAKING Obligation and AUTOMATING.
They have been accountable about their bills and have set up a system that handles their finances for them. They have taken themselves out of the equation so they can't mess it up! If you do the same, you are going to find you are less stressed and much more in manage of your finances.
Consider the following methods these days to set your finances straight. Outdated School is not Awesome when it comes to your financial institution account.
1) You must be accountable about your finances and if you never know how a lot Total you require to cover your bills (this consists of Rent) each and every month, you must discover this number, NOW. If you locate that your bills leave tiny for necessities like meals, you might need to re-evaluate your revenue/investing and downsize on services (or get a 2nd work, but who would like to do that?! You perform tough sufficient).
2) No matter what this amount is, have it immediately deducted from your paycheck by your employer and put into a separate account. If you are self-employed, ask your financial institution to take this quantity out on specific dates and place it into a separate account. Block the choice to withdrawal from this 'bills' account with your debit card.
3) Make each 'mail statement' an electronic statement. 99% of providers provide this alternative. It will come right to your inbox and conserve trees.
4) Every financial institution and Each services offers automated payments. Most Landlords (if you are nevertheless renting-which is just yet another way of throwing away cash by the way) allow e-payments as effectively. Both set up automated payment for your bills through your bank or set it up with each and every services provider. If you do auto-spend with your support companies, I recommend setting them up by financial institution account/routing quantity and not debit card number. That way if you drop your debit card, you will not have to go to each and every services and update them all.
5) Live on tension-totally free. No much more 'bill reminders', no a lot more last minute scrambling. No late fees. Trust me, you will soon get employed to only possessing access to a devoted spending quantity. You will have produced your finances 'fool-proof' or instead YOU-proof.
Your credit rating will thank you.
Want a video version of this write-up? Go to: .


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The Sunshine Coast's "Extreme" Whale watching experience.
- Propelled by two jet engines with almost 800HP of power
- You sit so much closer to the water in this boat, without the fear of getting wet whilst underway
- Completely safe for the whales as there are no propellers to cause any possible harm
- See diverse marine life with dolphins turtles, flying fish and even sharks.
- Get the most amazing photo opportunities at angles and as close up you can otherwise only dream about
This really is a special, 2 hour, Whale Watching experience that you will remember and talk about for a long time!
Scream across the waters of the Sunshine Coast Bay in a turbo-charged jet boat, head out into the open ocean to get up-close with the migrating Humpback whales. This fast-paced whale watching tour takes you to the local sites where the Sunshine Coast's biggest aquatic visitors come to play on their way North and back.
Click to watch this whale showing off and waving on a beautiful day on the Sunshine Coast
Hop aboard the 9m, 780 horsepower vessel Hela-Va Jet and sit down in one of its comfortable, red and black Recaro racing seats. Your skipper and guide first offers a brief introduction to the boat, the required safety briefing, as well the vessel's amazing capabilities. This includes the ability of reaching top speeds of up to 40 knots. And you will find out just how fast that is when you leave the dock and shoot out into Mooloolaba Bay.
Hela-Va Jet is a custom built, High Speed, Open Ocean, Jet boat. This allows high speed tours without the need to get wet and or cold. Fitted with large "lamborghini style" wing doors, we will keep you warm, dry, safe and comfortable, as we head out to see the whales. The dolphins often play and follow our path as we are underway.
Enjoy the thrill as Hela-Va Jet rockets into the Coral Sea to seek out the best spots for viewing pods of majestic Humpback whales. At times we will slow to a gentle crawl, looking for the characteristic blasts from their blowholes and the awe-inspiring acrobatics of their breaching maneuvers. If you're lucky, you might get the chance to snap photos of playful calves, making the journey for the first time, or hear the faint sounds from their fascinating vocalizations.
On your way back to port, on request from the passengers, the skipper may even throw in a wild spin or two, drifting turns, and throttle-stomping straightaways before you reach the calm waters of the marina. This will of course depend on those aboard as all will need to agree to the hair raising antics this vessel is capable of!
All in all, the biggest advantage of whale watching on Hela-Va Jet is that you are SO close to the water! This means you are SO close to the whales when they show themselves! And of course you are then always ready for that perfect photo, with an unobstructed view.
Click to watch two whales playing together alongside just off Mooloolaba
With no more than 10 passengers at any time (the boat can take 12 but we limit this run to 10), you are ensured total visibility and proximity to whales, dolphins, as well as the many other kinds of marine life we encounter.
This has to be the most up-close viewing by any vessel on the Sunshine Coast! Come try a very personal tour out on the water with amazing views of these inquisitive, majestic animals. We guarantee you will enjoy an incredible and special whale watching experience.
Humpback whales are not only beautiful, but also playful and curious creatures. Be in awe of the spectacular breaching, close encounters, magical songs and tail slapping.
Light refreshments and non-alcohol drinks are included
Please note- This tour operates from 1st July to 20th October only! The tour runs for 2 hours only due to there being no toilet aboard the vessel.
Our entire focus and goal is to give you a truly intimate encounter with these gentle giants of the ocean.
Please note that no funds will be deducted until we have been able to also confirm the availability of the requested charter. This because other impacts such as phone and agent bookings, weather and other unforeseen things could impact on the availability at the same time as you are requesting the charter online. Our Terms and conditions are available on this webpage ( Click here to view them now ) and will also be emailed to you as part of the booking confirmation.
Key Details:
Please note- This tour operates from 1st July to 20th October only!
|The Wharf, Mooloolaba ( Sunshine Coast ), Queensland. Australia
|Please arrive 30 minutes prior for a prompt departure.
|Varies based on departure time.
|Comfortable clothing, enclosed shoes, hat and sunglasses. Bring a rain jacket just in case. Don't forget your CAMERA! Alcohol is on a BYO basis.
The Wharf Mooloolaba (Sunreef Pontoon) – Located between Sunreef and the Wharf Tavern,
Cnr River Esplanade and Parkyn Parade Mooloolaba Qld.
We depart from the "The Wharf" The Sunreef Pontoon. (Pontoon is located between Sunreef and the Wharf Tavern).
For a GPS use 1 Parkyn Parade Mooloolaba Qld.
Once parked please wait at the entrance to Sunreef until instructed by the store crew or skipper that it is safe to come down the ramp and board the vessel.
Please do not wait on the pontoon itself as the skipper will be mooring the vessel on its arrival and we safety is paramount for all.
Safety First
Pushing off
Crossing the Bar
Searching for whales
First sighting!
Back home
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Scor-Zay-Zee "Aeon: Peace To The Puzzle" (GangstaMusic)
Indeed, in the eleven long years since we described "Want What's Yours" in our year-ends as "truly tender observation of the (a)cutest kind… a foil to the righteous anger of Scor's landmark Daily Telegraph-baiting P Brothers banger "Great Britain"" the only further outputs we managed to trace from the MC were two (admittedly blinding) tracks in 2008: a myspace leak called "Why I'm Here" and a star turn ("Voyage") on the Elementz' "Crushmode" LP. (Things he's been doing instead of making new records, as it turns out, include: wrestling with mental health issues; converting to Islam; getting married and having kids; and starring in a movie alongside Olivia Colman and Paddy Considine).
So, after a total of about five songs this century, we'd have been deliriously happy with a new Scor-zay-zee EP. We certainly didn't see this coming, even in our wildest dreams: after a mere 20 years on the mic, Scorz has dropped his debut album, a tour de force which yields 28 tracks over two discs and clocks in not too far short of two hours. Talk about feast following famine. 28 proper tracks, too (no skits or insts), and you'll get a feel for the general calibre from the production credits (Nick Stez, DJ Fever, Juga-Naut, Mecca:83, P Brothers, the Elementz) and some of the guest MCs (Chester P, Cappo, Tragedy Khadafi, Ali Vegas). But let's try to break it down a little.
"Double Dragon", the joint with Chester (and the Elementz) is, obviously, *mint*, a shop window for two master rhymers in their absolute prime. Juga-Naut production "Live Free" nimbly showcases Scorz's mellow truth-telling par excellence: politicised, but never agit-prop. DJ Fever anchors quite a few of the highlights, like sumptuously cascading opener "Intium" - pure bars, no gimmicks - and perhaps the album's thematic cornerstone, the breezy "Love 'Em All". There are thrills (n'skills) as Juga, Caps and Vandal Savage join our genial host for the album's posse cut, "R.A.F." There's a formidable stash of reminiscence raps, including "1995" (a tip of the hat to musical inspirations which settles into a brilliant "Outta Here"-type narrative groove), "Saturday", "Remember" and the obligatory playground memories of "Old School". There are club-friendly floor-destroyers of the sort Nottingham hasn't seen since Styly Cee and Cappo loosed the H Bomb on us: "Equestrianism" (another DJ Fever production) and "I'm Not Bragging" (which reunites S with old comrades the P Bros, rocking the house in the spirit of the Brothers' Mr 45 riddim, "Showstopper"). There's Dom P's "Flow Sicker" right at the end, a party vibe track offering up another free-flowing, freestyle Scorzilla treat. And, this being a tribute to the true essence of hip-hop, we shouldn't forget the top-drawer cuts and scratches throughout, particularly from Jabba The Kut and from Fever.
Lyrically, all the themes we identified when we fell for "Why I'm Here" – "self-discovery, self-restraint, poverty, inspiration and coming good" - are still central, but that shouldn't be taken as meaning this record is in any way preachy or po-faced. In fact, it's always welcoming and inclusive. Scor-zay-zee's renowned sense of humour shines through on songs like fast food-themed fantasy "Gangsta Wraps" (which also feeds into "1995"'s celebration of the nascent gangsta rap scene, seen through rapt teenage eyes). And the wordsmith supreme's somewhat sparkling similes cover every conceivable reference point, from Captain Mainwaring to Johnny Metgod.
Other standout moments on these discs include "Ungodly Reason" (a welcome encore for the chipmunk-sampling vogue that proliferated a decade ago), the symphonic, string-drenched "Brain Tour", the fizzing "Bone Stash"… actually, we risk mentioning everything on the album, don't we? And we haven't even got on to the more dramatic, introspective compositions yet: the patently cathartic "The Heart"; the coolly spiritual "Street Angel"; and perhaps boldest of all, "Heroes Never Die", a fragile, subtly jazz-tinged ballad built in collaboration with singer/songwriter Daudi Matsiko. However, we do remain sufficiently in hock to the old school that we could live without the sung choruses that start to intrude more regularly over the second CD. As you know, sung choruses in hip-hop are the Devil's work: a surefire way to turn gold to base metal, to transform searing soliloquy into plasticky pop fodder.
We've spun "Peace To The Puzzle" a fair few times now, and - sung hooks aside! - find ourselves pretty much blown away not just by the standard of the rhymes, but by the quality of the productions. That strength-in-depth means that right now, this has to be a contender for album of the year, and hopefully not just in the fantasy countdowns of blogs like this. Scor-zay-zee has found his voice again: maybe UK rap can, finally, do the same.


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Come celebrate the visual arts with the senior art students of Eastern York High School! Students enrolled in Advanced Art Seminar will be participating in the 4th annual collective art show at Weavings, Ink. Gallery, hosted by gallery owners Phyllis Koster and Robert Oughton.
Weavings,Ink is located at 208 Hellam Street, (Route 462 / Lincoln Highway) Wrightsville, PA.
The opening reception will be held on Friday, February 24 from 6:00 – 8:00 PM, with a second opening on Saturday, February 25th from 2:00 PM – 4:00 PM.
Regular hours for the gallery are Fridays 1-5 PM and Saturdays 10-4 PM.
Featured senior student artists include:
Taylor Frey, Joshua Wheeland, Sharayah Shue, Nick Miller, David Beaver ,Brittany Hollis, Kasey Spangle and Mikayla Arnold.
We hope you can attend to celebrate the creative achievements made by the seniors of Eastern York High School!


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Saddlebag | Videotect
Concept – Production – Post – Motion Graphics – Color
Shelter Architecture asked us to team up and produce a short film on transportation sustainability. The short won the grand prize at the Architecture MN Magazine Videotect Film Festival!
How do you make transportation sustainability interesting? Create a video and add a cowboy, horse and electric car. Brainstorming shifted the original storyboard and we launched into a new direction with a new script which resulted in award-winning work.
(Shoot secret: To get a gravelly "Big Lebowski" voice-over, the cowboy woke up really early and avoided talking until it was time to record the VO.)
We assembled the perfect production team for an efficient shoot on a winter day with negative temperatures. An abandoned gas station in the middle of nowhere was the perfect setting for the video. and our horse, Champ, always hit his mark.
(Shoot secrets: In the last scene, our producer was scrunched down in the front seat to work the brake with her hands when needed.)


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A doctor's time is an invaluable commodity, we all know this. Yet too often, doctors become bogged down in trying to manage their staff's schedules. Practices and clinics can have greatly varied roles for staff and the need for specialized skills is paramount – but trying to assign multiple people to the right workplaces can be tricky. Staff needs are a further complicating factor, with some working specific days or others having personal requirements among rotating shift schedules – indeed, following these needs is very important to staff retention.
Far too regularly, doctors are plagued by clunky spreadsheets or archaic pencil and paper systems. Corrections and updates become confused and these apparent solutions only end up stacking more work.
Instead, doctors are increasingly looking to implement employee scheduling software. Whilst some very good shift management programs may not be available for free, many do offer trial opportunities that provide a taste of the full service along with possible staff caps, time restrictions or adverts. These trials are a fantastic way of testing a variety of shift scheduling software options, allowing management to see what best suits them, their staff and their patients.
Doctor Scheduling Software
Here is a list of three doctor scheduling software applications with a brief description of each:
- Schedule any number of staff, positions, shifts, and locations
- Ensure adequate shift coverage and efficient personnel utilization while taking into consideration all time-off constraints, specific labor and overtime rules, skills, certifications, and preferences
- Spend less time on developing work schedules and on day-to-day changes
- Instantly see shift coverage, hours scheduled, overtime, vacations, and time off
- Reduce labor costs; avoid overtime and over/under staffing
- Print, export, and e-mail work schedules to doctors, nurses and managers
- Keep work schedules, labor costs, and employee data in one place for complete reporting and analysis
The Snap Schedule Premium Edition gives you enterprise-class scheduling power and innovative workforce management features, including web and mobile access. Employees can remotely access their schedules, request time off, bid on open shifts, punch in and out, update their availability to work, and view the employee directory via a web browser or a native iPhone/iPad/WindowsStore app.
- Windows/Windows 8
Schedules are cross-referenced with vacation, sick, compensation and other time-off. You are alerted when they conflict. Time Tracker notifies you when specific reminders regarding an employee are due. It can alert you when an employee's certification is about to expire, or that they are to attend a seminar or anything else that you choose. Time Tracker will monitor your employees scheduled times and warn you about errors such as double bookings or overtime situations. You can also track an employee's refusals to work.
- Windows
- Windows
Notes: Not all are downloadable desktop programs for Windows/Mac OS and some may be browser-based applications that require high-speed Internet access. Be sure to read all systems and licensing agreements from the developer's website to make sure you meet all requirements. At the time of publication, a free basic service (lite or cripple version) or a free trial version of all of these software packages is available from their manufacturer's website. To take full advantage of a package's features you may need to upgrade to a paid version of the software.
What Can Scheduling Software Do for You?
Scheduling software takes the hard work out of staffing, scheduling, and publishing work schedules, freeing you up to do more important things. It helps drive efficiencies and frees up staff to spend more time providing quality resident
- Spend less time creating and publishing work schedules. Scheduling software makes scheduling doctors, nurses and support staff, editing information, analyzing data, and distributing employee work schedules easy and simple. Schedule any number of doctors, nurses, assign shifts, stations, floors, wards, breaks, and duties within each shift.
- Quickly fill a shift or find a substitute based on many criteria including job position, skills, availability, labor cost, work hour limits, and seniority.
- Prevent and alerts you to availability conflicts, duplicate shift assignments, overlapped shift assignments, and conflicts with scheduled time off.
- Know instantly where nurses and doctors are assigned. No need to flip through pages of paper to see absentee, on-call, training, or overtime situations.
- Reduce the time to track and assign employee training, vacation and time off requests. Doctor scheduling software keeps you up to date on who will not be coming in to work and why. Its comprehensive reports provide details on planned vacation, training, and time off hours for any time period you select.
- Reduce labor costs and avoid unnecessary overtime. Doctor scheduling software lets you accurately track absences and forecast staffing needs to minimize over-staffing, which in turn reduces payroll costs. It automatically sums up employees' work hours and costs; calculates overtime, on-call, time off, and incentive pays; and provides detailed cost reports so you know instantly if you are on budget.
- Keep scheduling and employee information in one place for easy access. Insert ID photos as well as employee contact information, authorized work stations, skills, available work hours for part-time and volunteers, and work hour constraints into employee records.
- Monitor attendance, work hours, and labor costs. Advanced doctor scheduling software with time clock features lets you see exactly who clocked in and how your scheduled hours compare to the hours your employees are actually working.


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Audition room./
You enter the audition room and are greeted by the person behind the camera saying: 'Stand on the mark.' Try not to get diverted and take that greeting literally by putting each foot equally on either side of the T.
The translation of the greeting is: 'Hello'.
Obviously, you are going to stand on the T, near it, behind it, to the left of it. However you have prepped the beginning of the scene or have chosen to start it the moment you land in front of the camera.
See if locking your feet equally on either side of the T is taking energy away from playing the scene simply and truthfully as yourself.
We get better bit-by-bit and clarifying moments like the one above – as small as it seems - adds up, leaving us, eventually, with nothing but the acting.
And doing as you're told won't guarantee you a job in the movies.


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Mullinax Ford puts our lowest price on every car. What does this mean? It means you get a great price without any hassle.
Not All Internet Prices are alike. Our largest competitors chage you $900 or more in non-disclosed "Fees." Not at Mullinax.
Estimated Monthly Payment2 will depend on vehicle make and model and will be determined upon actual vehicle inspection. All payments are estimates. Tax, title and any other fees are extra.
Mullinax Ford of West Palm Beach
1210 Northlake Blvd.
Directions Lake Park, FL 33403
New 2019 Ford F-150 Truck SuperCrew Cab XLT
Exterior Color: Oxford White
Interior Color: Medium Light Camel
Vin Number: 1FTEW1CB3KFC23477
Stock: FC23477
Mileage: 2153
View this new 2019 Ford F-150 Truck SuperCrew Cab XLT for sale at Mullinax Ford of Kissimmee, serving the Orlando, Davenport, Saint Cloud, and Intercession City area with new Ford F-150 sales.


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Cleveland is a city that can be known through its cuisine, especially through the fare our local chefs offer on wheels. Food Trucks are a growing trend nationwide, and Cleveland has a thriving environment for mobile dining. Never had a meal on the go like this? First check out Roaming Hunger, an active resource for locating the nearest food truck on any given day in Cleveland.
For the latest news on food trucks in Cleveland, be sure to check out Cleveland.com's food truck page. Don't miss their guide for Cleveland food trucks as well.
Featured this month is, The Spread, which offers a variety of breakfast and lunch options served up on a traditional bagel. Above, is a photo of their most popular lunch option, The Club Sandwich, packed with peppered bacon, peppered turkey and cheddar cheese. Go ahead and request the addition of the spicy hot sauce to give the sandwich a bit of a kick! The Spread will be available around Cleveland City Hall in the month of January 2015! Check out The Spread's full menu to the right. Follow our twitter feed to find out when the truck arrives.
Memorial Monday takes place at Huntington Park at the Intersection of Lakeside Avenue and West Third Street from June through September. Food Trucks attend the gathering and provide additional food option to Downtown Cleveland residents, workers and jurors at the Justice Center.
When: 11 a.m. to 2 p.m. every Tuesday in August and September.
Where: Huntington Park. Intersection of Lakeside and West Third Street.
Beats and Eats occurs on Tuesdays in August and September in Public Square which becomes a celebration of the diversity of food, music, art and culture which makes Cleveland unique. Food Trucks, musicians and artists feed and entertain in Downtown Cleveland's town square.
When: 11 a.m. to 2 p.m. every Tuesday in August and September.
Where: Northwest quadrant of Public Square, across the street from the Old Stone Church.
This summer, Tuesday's lunch will be one less thing to worry about. Every week, fresh, delicious fare is headed your way on four wheels. Escape the office and spend some time in the sun at The Chomp, a weekly food truck gathering.
When: 11:30 a.m. to 1:30 p.m. every Tuesday.
Where: East 46th Street and Euclid Avenue, Cleveland
One of the great success stories is Walnut Wednesdays. Thousands of Downtown workers bring their appetites out to the streets every Wednesday during the summer for Walnut Wednesdays. Talented start-up chefs create tasty, locally-made cuisine. Live salsa, jazz, reggae, or rock music is provided by local bands performing in the beautiful Perk Park. The urban park provides an enjoyable outdoor venue in summer for lunch in the City.
When: 11 a.m. to 1:30 p.m. every Wednesday in the summer
Where: Walnut Avenue and East 12th Street, Cleveland
Every Thursday throughout the summer, Downtown residents, workers and visitors can enjoy lunch in Voinovich Park overlooking Lake Erie. This picture perfect setting provides nice lake views and breezes on hot summer days. Each week about 7 – 8 food trucks provide lunch here on the North Coast.
When: Thursdays from 11:30 a.m. to 2 p.m.
Where: The East Ninth Street Pier
An event held every Friday throughout spring, summer and fall, food trucks gathered at the Free Stamp next to City Hall at Lakeside Avenue and East 9th Street. The Food Trucks serve up food in a festival atmosphere with live music in a downtown city park with a beautiful green setting and picturesque views of Lake Erie. The event helps to activate a beautiful public space which includes a vegetable garden operated by Cleveland Crops. Food Truck Fridays began in October 2012 as a way to provide food options to workers in the Government District to promote entrepreneurship and to provide food options in an area which lacks restaurants. In 2013, approximately 10 food trucks and 2 food carts participated at the event.
When: 11 a.m. to 2 p.m. Fridays from until Oct. 25.
Where: Willard Park, East Ninth Street and Lakeside Avenue, in front of the Free Stamp sculpture (Next to City Hall, 601 Lakeside)
Cleveland's Wok n Roll food truck zoomed into the top 10 "Hottest Food Trucks in the U.S." by Zagat.
City of Cleveland
Department of Economic Development
601 Lakeside Ave, Room 210, Cleveland, OH 44114
Phone: 216.664.2406
Fax: 216.664.3681
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