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Quick: when is the last time you needed money beyond what a paycheck provided?
Life happens, and sometimes it can be difficult to afford.
While almost everyone has been in that situation, not everyone handles it the same way.
Some people seek out quick-cash options like payday loans, but these have high interest rates and can actually make your financial situation worse.
Some go to banks, but that takes a lot of time—time you may not have to waste.
A good alternative to either of these is peer-to-peer lending.
Peer to Peer Lending
If you need to borrow money, whether for an unexpected emergency or to get your business off the ground, you'll need to seek out a loan.
Traditionally you may go to your bank, but that can be a time-consuming process…and often pointless.
Banks aren't known for lending money for just any reason.
So what's a safe, reliable alternative?
We've listed our picks for the 8 best places to get a personal loan before, but it's also worth looking into peer to peer lending.
Peer to peer, or P2P lending is backed by everyday investors instead of major financial institutions.
So what about security?
Although peer-to-peer lenders were not federally regulated when they first appeared on scene, they are now required to register with the Securities and Exchange Commission.
This provides a level of security and peace of mind that borrowers did not have before.
However, despite this regulation, not every state allows peer-to-peer lending.
You'll need to check with each peer-to-peer lender to find out whether your state allows them to operate.
Pros and Cons
Before you decide to use peer to peer lending, you should understand the pros and cons of the service.
- Peer to peer loans usually have a lower, fixed APR than traditional loans like mortgages or credit cards.
- Peer to peer loans can be in your account in as little as one business day after approval, compared to weeks for traditional loans.
- Most peer-to-peer loans are easier to apply for, with short online forms rather than requiring a visit to the bank and a long interview.
- Peer to peer loans range from as little as $1,000 to as much as $35,000.
- The loans can have higher than normal interest rates if you have bad credit.
- If your credit score isn't high enough, you may not qualify for a peer-to-peer loan.
- Missing a payment can affect your ability to receive future loans, and lenders make individual decisions on whom to invest with.
- Because the FDIC doesn't support peer-to-peer loans, any losses you receive cannot be recovered—although they can be filed on your taxes.
Understanding the Risks
Peer to peer lending can be tremendously useful, provided you use it correctly.
According to a 2014 Federal Reserve report, peer-to-peer loans were most commonly used to consolidate debt and lower interest payments.
Credit card payoffs and home improvement expenses were the next two largest uses.
That said, "buying your way out of debt" could be risky.
While consolidating your debt into a single payment can help reduce interest payments and have significant short- and long-term effects on your credit score, if you don't fix the behaviours that put you into debt in the first place, you'll end up in the same situation.
Other risks involve the same threats that come with any loan.
If you borrow more than you can reasonably afford to pay back, you may find yourself trapped in an endless cycle of minimum payments and high interest rates.
You should also keep an eye out for hidden fees that may cost you more than you had planned to pay, as well as illegitimate offers meant to steal your identity.
However, Prosper and Lending Club, the two companies we're reviewing in this article, are both trustworthy sites.
How Loans Work
Getting a loan from Prosper or LendingClub begins in much the same way as traditional lending.
Online, you'll fill out a form with your information, how much you want to borrow, the purpose of the loan, etc.
After this, you're assigned a "risk grade" that is based on your credit score.
This helps investors determine how much funding they wish to provide you.
Those with higher credit scores are more likely to receive funding than those with lower credit scores.
Your application on a lending site won't affect your credit score.
However, the traditional factors still apply: your credit usage history, income, repayment period, and other elements will determine how likely you are to be approved.
You'll be able to check the rates you're eligible for before continuing with the process.
Checking your rates does not affect your score, and viewing your offers will give you enough information to decide whether you want to proceed with the loan or not.
Qualifying for a Loan from Prosper
You might not qualify for a peer-to-peer loan if you don't meet certain criteria.
First, you need to have a decent credit score.
The minimum score is 640, although most users have a score at least 60 points higher.
While there is no minimum gross income requirement, the majority of Prosper borrowers generally have a higher than average income and use Prosper for business loans.
Likewise, there is no minimum credit history, but most borrowers have several years of credit history to refer back to.
One point of contention for those struggling to pay off credit cards is the debt-to-income ratio requirement; you can only have a 50% ratio, excluding your mortgage, in order to qualify.
If you're using more than half your available credit, you won't be able to borrow from Prosper.
Trying to improve your credit score is a smart move, whether you're looking for a loan or not.
Qualifying for a Loan from LendingClub
While Prosper is aimed at those with higher incomes, LendingClub is available to people who might not make quite as much and have lower credit scores.
LendingClub will lend to people with credit scores as low as 600.
However, your interest rates will likely be higher with a score this low.
You should also be wary of too many recent hard credit inquiries, as these could affect your score and send it plummeting farther.
Another requirement is that you have a debt-to-income ratio that is a maximum of 50%.
That means if you have $1,000 in available credit, you should not be using more than $500 of it.
Another requirement is that you must be employed and able to demonstrate, if not necessarily prove, your income.
While it isn't necessarily a requirement, missed payments on your credit report can severely hurt your chances of being approved.
Credit Score and Its Role
While peer to peer lending operates with different rules than traditional lending, that doesn't mean credit score isn't still an important factor.
One of the main requirements for both LendingClub and Prosper is a certain credit score: 640 and 600, respectively.
That said, your credit score won't be affected by viewing the potential loans available to you.
Soft inquiries leave no record on your credit report, although if you decide to go through with the loan, it will make a hard inquiry on your report.
However, it can sometimes be worth it. If you have a high usage ratio, your credit score might be hurt more than an inquiry would affect it.
Many peer-to-peer lending sites have tools that help you evaluate the impact paying off a certain amount of debt would have.
Use these tools to determine if borrowing enough to consolidate your credit card payments into a single payment would improve your score enough to make the potential loss of a few points due to an inquiry worth it.
It's also a good idea to consolidate if you're struggling to make payments on time, as a missed payment can have longer lasting effects than an inquiry.
However, credit score does not play as large a role as it does in traditional loans.
Because peer-to-peer lending is decided on an individual basis by the investor, they may decide to overlook a poor credit score and take the risk of investing anyway.
Interest Rates
One of the most important things to consider when taking a loan is the interest rate.
If you're unable to pay on time, the interest rate will be applied to your overall balance and can result in significant penalties and additional payments.
LendingClub's rates are based on a "loan grade" you're assigned when you sign up.
The loan grade is from A to G, and the better the grade, the lower your rates. Here's what it comes out to.
The length of the loan will also affect the rates, and different loan grades carry different origination fees.
There are a few other fees associated with LendingClub you should be aware of, including Unsuccessful Payment Fees, Late Payment Fees, and Check Processing Fees.
Prosper uses a similar loan grade system as LendingClub, with the following interest rates.
The average interest rate of a traditional loan, at the average US credit score of 699, is 13.5% to 17.5%.
While higher credit scores will mean lower interest rates, the rates are lower on average.
High-risk borrowers from peer to peer lenders face drastically higher rates.
For example, the "HR" grade from Prosper carries an interest rate of 31%.
On the opposite end of the spectrum, borrowers with excellent credit scores have extremely low rates—as low as 6% in some cases.
Pros and Cons of Both Companies
LendingClub and Prosper are two of the highest rated peer-to-peer lending networks out there.
While they come highly recommended, it's important that you understand the upsides and downsides to investing with them.
LendingClub Pros
- Solid history of delivering on their promises.
- Well-known for its customer service.
- Provides larger loans than many other P2P lenders.
- Multiple investment accounts to choose from, including individual, joint, trustee, corporate, custodial/minor, and IRA.
- Investors have seen 99.9% positive returns.
LendingClub Cons
- Minimum credit rating is 660, which is higher than many other peer-to-peer networks.
- APR isn't always the best available rate.
- Only serves 33 states.
- Fewer personal loan types to choose from than competitors offer.
- Investor fees charged to any investors in the company.
Prosper Pros
- One of the lowest starting APR rates.
- OAt least 92% of its employees have invested into the company.
- Legal documentation and SEC paperwork is available on the website.
Prosper Cons
- Loans are only available in 36-month or 60-month terms.
- Doesn't have the best track record for customer service.
- Website can be difficult to use.
Loan Amount Limits
One important thing to understand about these two companies is the limits on their loans.
Prosper loans range from $2,000 to $35,000.
While this is more than enough for someone taking out a personal loan for smaller expenses, it isn't quite enough to springboard certain businesses off the ground.
This would require seeking multiple loans from multiple lenders, or taking out a traditional business loan.
LendingClub is better suited to personal loans, as well.
The lower limit for a loan from LendingClub starts at $1,000, while the upper limit is $40,000.
Peer-to-Peer Lending — Worthwhile?
Taking a loan of any sort, especially if you're already in debt, can be a scary prospect.
However, peer to peer lending can actually be a useful tool to get out of debt if you use it correctly.
Imagine this scenario: you have $4,000 in debt on one credit card, then $2,000 on another and $500 on a third.
The interest rates are killing you, and the monthly payments barely touch the principal.
A personal loan from a peer to peer website could completely free you of those payments and consolidate them into a single amount.
On the other hand, you would need to stay on top of your payments to the peer-to-peer lender lest you fall into the same trap all over again.
Think about the reasons you might have for taking out a loan:
Do you need to consolidate debt?
Start a business?
Maybe even purchase an engagement ring?
Whatever your reason, evaluate the two lenders we've listed here and look at their strengths, weaknesses, and pros and cons before you make a decision.
Smart financial choices can secure your future.


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Sara Ghaem Sigarchian, PhD candidate at KTH Royal Institute of Technology, Sweden
Chiara Bordin, PhD candidate University of Bologna, Italy
Dr. Gideon Goldwine, Ben-Gurion University, Israel
Fabio Buonsanti, Head of Operations Norway at Aega AS, Norway
Georgios Fytianos, PhD candidate at NTNU, Norway
What we would like to focus on is something that could be considered a bridge between policy and science section, and something that lies on the edge of this summer school and that reflects both our interdisciplinary backgrounds and the interdisciplinary nature of the research institutes to which we belong to.
Svalbard is the vastest and northernmost wild area in Western Europe, that sixty percent of the archipelago is glacier and it is a paradise for rare species of seabirds.
As a country with well-established traditions in environmental and climate research, it was highly surprising to learn about the controversial choice of Norway to encourage a coal enterprise on Svalbard.

subset: commoncrawl


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12 of the absolute best food experiences in Queensland
If your stomach rules the roost when it comes to holiday decision-making, you want to ensure you have the crème de la crème of best food options when you touch down in a new destination.
We're not talking Insta-trendy fads, but longstanding favourites worth travelling for. From meat pies that had Hugh Jackman returning day after day to a lasagne that's been on the menu for almost 30 years, these are must-eat dishes for every foodie.
Start your appetites!
Taro's Ramen
What started as a humble ramen joint has blossomed into four Japanese restaurants across Brisbane with the flagship sitting in the 480 Queen St building (you'll also find Taro's in South Brisbane, Ascot, and Taro's Express on Edward St in the CBD).
The star of this show, of course, is Taro Akimoto's addictive tonkotsu broth, made from sweet Bangalow pork bones. You'll also find sukemen, shio, shoyu and miso varieties alongside a list of izakaya-style snacks, sakes, shōchū and Japanese beers.
Number 75 on Delicious' magazines Delicious 100 list, they say the shoyu pork ramen is a must-try although "Akimoto's chicken karaage is arguably the best in town". Extra bonus: Taro's also dishes out gluten-free and vegan ramens proving there is a food god.
Sand crab lasagne at Il Centro
Nothing says Queensland like sand crabs and sunshine. At Brisbane institution, Il Centro, they've perfected the balance between the delicate sweetness of the crab and a creamy crustacean-infused sauce. They've also been turning out the lip-smacking dish for 26 years, having been a star of the menu since the restaurant opened in 1992.
It's so good, they sell around 350 plates of the Lasagna alla Granseola every week.
Bug roll, Rick Shores
To make an appearance at Rick Shores, even if only for a cocktail, and not stay for a bug roll would be almost sacrilege, given the cult adoration and Sriracha-heightened perfectness of these bundles of brioche magic.
Inside, crispy chunks of bug meat in a tempura style batter are paired with gem lettuce, kaffir-lim laced mayo and just the right kick of chilli.
Number 1 in the Delicious 100 list and in the Top 100 in the Gourmet Traveller Australian Restaurant Guide, this hot spot in Burleigh Heads has just re-opened after some minor renovations, with even more expansive views over the ocean than before.
Whole crispy fish at Spirit House
No matter how many times you order the whole crispy fish from Spirit House, each new bite is a revelation. The premise is simple: take the fish of the day (many times, barramundi), fry the skin crisp, and smother it in chilli tamarind sauce. It's not pretty, but it doesn't have to be.
Hidden away in the Sunshine Coast town of Yandina, amongst five acres of tropical gardens and set around a tranquil pond, a meal here should be experienced by everyone at least once in their lives.
Apple pie from Suttons
We don't have the pie culture of middle America but there's one place where the slice of pie lives up to USA portion expectations and that's Suttons Juice Factory and Cidery in Stanthorpe.
There was a time when you could visit the farm to pick your own apples, but the business beast took over and they now use their entire orchard for the shed shop and cafe.
A word to the wise: Split a serve of the apple pie, served with spiced cider-laced vanilla ice-cream, between two. Suttons also serve individual gluten-free apple pies.
Peach Blossoms from Merino Bakery in Longreach
There're just some bakery treats that are good enough to withstand the trials and tribulation of faddish cruffins, injectable donuts and the cupcake mania of 2005, and a lot of it's got to do with the men and women behind the baking trays.
In Longreach, the Merino Bakery is famous for its (incidentally, totally Insta-worthy) Peach Blossoms – millennial pink lamington halves sandwiched together with cream. They're so good, rumour has it one tray sold for $90 at an auction one time.
Macadamia ice-cream from Mammino's in Childers
The problem with food trends is too often than not, the roar deafens out the reality and you're left with a substandard experience and a "I was here" photo or review, just for the sake of it.
But upon wrapping your lips around the creamy macadamia ice-cream, hand-churned onsite at Mammino in Childers, 54km south-west of Bundaberg, you'll realise this sweet treat is worth every click of the speedo to get there.
The business changed hands in 2017 but original owners, Anthony and Teena Mammino developed the iconic ice-cream with a recipe from Teena's grandmother and macadamias grown on their farm.
Hervey Bay scallops at COAST, Hervey Bay
If you're going to try this town's namesake seafood, you need to go straight to the top and order a plate of grilled Hervey Bay scallops, artfully arranged on a plate of black pebbles, at COAST restaurant.
Smothered with just the right amount of coriander butter and sprinkled with hazelnut crumb, this is a dish you'll dream about for years to come.
Mango sorbet from The Big Mango in Bowen
It's not hard to know if you're in the right spot when it comes to your hunt for one of Queensland's most iconic (and healthy!) treats.
Churned fresh on the premises, in the shadow of Bowen's Big Mango, the visitor information centre is the spot to try delicious local mango sorbet.
Jochheim's Pies
If they're good enough for Hugh Jackman, they're good enough for us! One of the best pit-stops in Bowen, north of Airlie Beach, Jochheim's line-up of tasty pastries attracted the star while the cast of Australia were based in Bowen for filming back in 2007. (Fun fact: Owner Merle Jochheim can be credited with hooking Baz Luhrmann in during his location scouting, as she regaled him with the history of Bowen thinking he was just another customer.)
Order a Hunky Jackman Beef Pie or if you're stopping by on a Thursday, they also do a creamy prawn pie with locally-caught seafood.
Tropical North Queensland
Crocodile cheesecake at Silky Oaks Lodge
Lyrics may warn to "never smile at a crocodile" but in the treehouse restaurant of Silky Oaks Lodge, hovering above the Mossman River, the tables are turned with a brain-twisting, smile-inducing savoury crocodile cheesecake.
The crocodile and tarragon cheesecake with smoked barramundi, pickled papaya and chutney and herb salad is friendlier than you think, tasting more like chicken with the texture of a soufflé.
Flames of the Forest
We've got a thing for eating our coat of arms in Oz, but if you're going to go native, Flames of the Forest is one of the best spots to do it.
Transported to a secret rainforest location underneath a canopy of fairy lights and crystal curtains, you won't quickly forget the Aboriginal Cultural experience or its signature dish: Lemon myrtle infused kangaroo loin on a bed of wild rocket and toasted macadamia nuts garnished with homemade fig chutney.
Hungry for more? Maybe you'll discover the next iconic dish at one of these food festivals!


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By Knowledge Hub Asia
Power Report Writing for Executive
By Knowledge Hub Asia
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- Language: English
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This report writing course was designed specifically to help you build your business report writing skills. It takes you step-by-step through the principles and process involved in producing effective reports. This 1-DAY Course gives participants the exposure to the content and format of business reports in English. In addition, grounding in the techniques of writing as a process will be given together with sufficient writing practice.
Course Objectives ›
By the end of the course, you will know how to: Gather your data and select the relevant information for your audience Structure your writing to maintain your readers' attention Select words and phrases that will aid and not confuse the readers Edit your draft for maximum impact.
Course Outline ›
Module 1: INTRODUCTION
- What's the purpose of a business, technical or financial report?
- Setting a clear objective to save you time and effort
- Format of a report
Module 2: DESIGNING YOUR STRUCTURE
- Ensuring your structure supports and delivers what your reader wants
- Breaking the job down into manageable chunks
- Exercise Case Study
Module 3: WRITING YOUR REPORT
- The writing process: Main steps in writing a report. Organization and planning.
- Selecting and organizing material: Conciseness,
- Headings, Classifying and Information sequence.
- Language used in writing a report
- How to write simple concise and complete sentences How to emphasize certain data
Module 4: PROCESSING INFORMATION AND ANALYZING THE DATA
- Sort, Analyze, and Interpret Data Exercise Case Study continued
Module 5: WRITING FINDINGS, CONCLUSIONS AND RECOMMENDATIONS
- Interpreting findings, Linking findings, conclusions and recommendations.
- Writings recommendations
- Preparing the Final Draft Writing a report:
- Exercise Group Work
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Our workshops are delivered with a strong emphasis on WHOLE-BRAIN LEARNING that is complemented with an array of HIGH INVOLVEMENT TECHNIQUES that will make learning INTERESTING, EXCITING & ENJOYABLE!
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Simulated data and computer code of the paper "Response of surface topography to basal variability along glacial flowlines" Felix Ng Adam Igneczi Andrew Sole Stephen Livingstone 10.15131/shef.data.6014072.v1 https://figshare.shef.ac.uk/articles/Simulated_data_and_computer_code_of_the_paper_Response_of_surface_topography_to_basal_variability_along_glacial_flowlines_/6014072 This ORDA repository location contains simulated glacier topography data and the core pieces of MATLAB code associated with the research undertaken in the paper by Ng et al. (2018). Please see "README.txt" and the paper for more information.

Ng, F. S. L., Ignéczi, A., Sole, A. J., and Livingstone S. J. (2018). Response of surface topography to basal variability along glacial flowlines. J. Geophys. Res. Earth Surf., 123. doi:10.1029/2017JF004555

License for the data files: CC BY 4.0.

License for the code: MIT open source license.

 2018-08-20 10:12:55 glacier flow ice sheet surface topography flowline integral transform


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Craig Federighi, Apple's senior vice president of software engineering, speaks about augmented reality Monday in San Jose, Calif.
Apple Inc. finally made real its interest in the nascent markets of both augmented reality and virtual reality, a move that will likely push at least AR more into the mainstream and potentially drive future iPhone sales.
At its Worldwide Developers Conference in San Jose, Calif. on Monday, AppleAAPL, +0.19% made a slew of announcements for software developers, including a home speaker to rival products by Amazon and Google.
And while Apple's costly consumer HomePod device got the most attention, Apple's embrace of the two evolving reality-altering technologies with new software developer tools was focused on the future. Apple said the next version of its desktop operating system, Mac OS High Sierra, will have support for virtual-reality content creation for the first time, so developers can create immersive gaming, 3D and VR content on the Mac. It is also working with other virtual-reality companies, such as Unity Technologies and Epic Games, bringing their VR tools to the Mac.
But its focus on augmented reality is really expected to help jump-start that young market for consumers, who have only seen augmented reality in mainstream use with the "Pokemon Go" game. Apple said as part of version 11 of its iOS for the iPhone and iPad, it will offer a developer kit called ARKit. Using the built-in cameras, powerful processors and motion sensors in Apple's mobile devices, developers will be able to create games, shopping experiences and other apps by building virtual content on top of real-world scenes.
"A lot of the industry has been waiting for someone like Apple to come in and legitimize the space," said Tom Mainelli, an IDC analyst. "Today was the first step." Mainelli said that the long-term future of AR, like VR, is more about futuristic geeky goggles and big screens. "For the near term, it's going to happen on smartphones," he said. Alphabet Inc.'s GOOG, +0.43% Google has been in this space for a while, he said. "Google Tango is a very robust AR platform. But it is very compute intensive."
Apple CEO Tim Cook has been talking about the potential for augmented reality and the iPhone for about a year, ever since he mispronounced "Pokemon Go" and made vague hints about its possibilities for Apple, but today's news was the biggest concrete step forward in that direction.
"It preserves and extends the value of the iPhone franchise," said Frank Gillett, a Forrester Research analyst. "If they didn't do this, I would have wondered."
Apple said that the new developer kit will be available today and that the resulting AR apps created will also run on some older iPhones — the iPhone 6S, 6S Plus, SE, 7 and 7 Plus. IDC analysts estimate that the sales of those phones combined have an approximate installed base of about 250 million to 300 million users.
Any new augmented-reality-infused apps will undoubtedly run best in whatever future products Apple launches next, yet another reason for consumers to buy the next shiny iPhone. So while Apple's moves may help launch AR into the mainstream, investors want AR to jump-start the decline in iPhone sales, which fueled Apple's fiscal 2016 year-over-year revenue decline. With AR, Apple has dual goals: Drive iPhone sales back to growth, and give developers and consumers new experiences in its ecosystem that will keep them there.
These moves are definitely the right ones amid an enormous amount of speculation, both hopeful and pessimistic, surrounding the next iPhone launch. But execution will be key.


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Want create site? With Free visual composer you can do it easy.
Date of Post : 17 July, 2017
New Delhi: Tata Steel entered into a long term tariff contract (LTTC) with Indian Railways (IR). Railways Minister Suresh Prabhu, senior officials of the Railway Board & the company's Vice President, Steel Manufacturing, Sudhansu Pathak among others were present at the contract signing ceremony held at the Rail Bhawan.
More Information:
- It has invested heavily in improving its railway infrastructure & material handling system, claimed Tata Steel which is the first steel company to sign the contract.
- This has helped in reducing detention of railway rakes & bringing down the wagon turnaround time.
- The LTTC has been introduced by Railways to establish long-term contracts with customers with guaranteed incremental revenue for Indian Railways.
- The contract can be for a duration of 3 to 5 years.
Did you find apk for android? You can find new Free Android Games and apps.


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Pharaoh Pendant Necklace
This product is currently sold out.
Created with 14k gold-fill chain and finishings with delicate etched details. Made to wear solo or layered with our other layering necklaces.
How we wear:
We've created a selection of necklaces and pendants at curated lengths. Head over to our Curated Layers to achieve your own layered look.
- 18" chain
- .75" pharaoh pendant
- 14k gold fill chain and pendant
- Thick rolo chain


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Non-Unique Clustered Indexes Are Evil And We Have The Proof.
You won't believe it when you see it.
Face it – I can't write click-bait…
I was reading Grant Fritchey's (Blog|@gfritchey) comments in the SQL Server Central forum thread "Advice on Creating Unique Clustered Index", and was reminded of something I saw in Kalen Delaney's Precon at SQLBits 11 (Nottingham).
Here's how to prove the evil-ness of nonunique clustered indexes.
Preparing for the evil
Quick! Grab a SQL Server instance, and create a new table. Don't worry, it's tiny. At least, to start off…
CREATE TABLE ClusteredIndexCrash ( i TINYINT NOT NULL ) ; CREATE CLUSTERED INDEX ClusteredIndexCrashIdx ON dbo.ClusteredIndexCrash( i ) ;
The theory behind clustered indexes is that they are (usually) unique – after all, they define the logical layout of your table on disk. And if you have multiple records with the same clustering index key, then which order would they be in? If you don't define the CI as unique, then SQL Server will add (behind the scenes) a so-called "Uniqueifier" (or maybe "uniquifier") to fix that. Grant's first post in the thread referenced above gives some information about how to see this Uniqu[e]ifier in the table structure itself.
Add data
INSERT INTO dbo.ClusteredIndexCrash SELECT TOP 1000000 1 FROM syscolumns c1 , syscolumns c2 , syscolumns c3 ;
1 million rows – that's not going to be enough. Let's add a few more, in batches.
INSERT INTO dbo.ClusteredIndexCrash SELECT TOP 1000000 1 FROM syscolumns c1 , syscolumns c2 , syscolumns c3 ; GO 2146
That is going to take a while. Fire up another window so you can run a different query to keep an eye on how far it has got.
SELECT OBJECT_NAME(i.object_id) , p.rows / 1000000 , p.rows , POWER(CONVERT(BIGINT, 2), 31) , POWER(CONVERT(BIGINT, 2), 31) / 1000000 FROM sys.partitions p INNER JOIN sys.indexes i ON i.index_id = p.index_id AND i.object_id = p.object_id WHERE i.object_id = OBJECT_ID('dbo.ClusteredIndexCrash') AND i.index_id IN ( 0, 1 ) ;
Got to love the confusion caused by columns being named with function names…
When that query above has finished, assuming SSMS hasn't crashed from the effort of displaying "1000000 rows affected" (or whatever) 2k+ times…
Generating The Evil
Try running the insert one more time.
INSERT INTO dbo.ClusteredIndexCrash SELECT TOP 1000000 1 FROM syscolumns c1 , syscolumns c2 , syscolumns c3 ;
And now (finally) we get the error of the beast:
Msg 666, Level 16, State 2, Line 21
The maximum system-generated unique value for a duplicate group was exceeded for index with partition ID <foo>Dropping and re-creating the index may resolve this; otherwise, use another clustering key.
What have we learned?
Apart from a table containing 2 billion tinyints takes up a lot of time and disk space?
Internally, the implementation of the uniquifier appears to be equivalent to an IDENTITY(1,1), just like your average DB designer would use to create an internal ID. However, because the range starts at 1, you lose half the range of numbers available to fit into this, limiting your uniquifier to 2.14-something billion rows. Again, just like an IDENTITY field, if you've deleted records from the middle of the table, you don't automatically get to reuse those identities. Hence the suggestion that dropping and recreating the index may resolve this – by effectively removing the gaps and shoving everything back up again.
Rebuilding the index probably won't have much effect, is just delaying the inevitable, and you should be rethinking your clustering strategy for this table.
Oh, and don't do this on a production server. I mean, what were you thinking? Really? Intentionally generating massive tables with big errors in? Tsk.


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Because it's within walking distance of Boise Weekly world headquarters, the Tully's in BoDo gets plenty of our patronage. What's nice about having it so close is that we not only get to feed our caffeine jones there, but they've got a terrific selection of edibles including a yogurt and granola cup that's beyond the typical fare. The granola includes tropical coconut shavings and big meaty chunks of pecans. The whole thing is less than two bucks, plenty filling and way more guilt-free than a greasy drive-thru breakfast sandwich.
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Not running to be a political telemarketer
Paul Ryan's Legislative Effectiveness Score is "Below Expectations."
Mt. Pleasant, WI—Ryan Solen is an unusual candidate where fundraising is concerned; he only accepts personal donations, no contributions from businesses or PAC's, has held few fundraisers, and he does not participate in "call time" calling potential donors one after the other and asking for money. He doesn't want to be beholden to any group that may influence how he would vote should he be elected to Congress and during the campaign he wants to focus on the campaign, on meeting people in the 1st Congressional District and listening to their needs. This mindset will follow him to Washington, D.C., where it is known that Representatives are strongly encouraged to spend three or more hours each day on the phone fundraising.
Ryan Solen observes that House representatives who get elected are often "expected to spend hours per day in Washington DC to be on the phone calling and asking for money. And, that's wrong. I won't do it. I refuse. I am not running this campaign to become a telemarketer." He is running to represent his district in Wisconsin.
Paul Ryan said, to the media via a spokesperson and never to Ryan Solen's campaign, that he couldn't participate in the debate Solen planned for last Saturday because the voters in the district already knew him and that he would campaign in the last week of the election. It is now the last week of the election and Paul Ryan was on CNN today talking about, among other things, how he was fundraising for more out of state Republicans. When, exactly, will the Speaker speak to his own constituents?
In the 2016 election cycle, Paul Ryan has $15 million. More than half of that money comes from super PACs and massive corporations. Among his wealthier contributors are the Koch brothers, multinational banks such as Bank of America, venture capitalists such as the Carlyle Group, and huge pharmaceutical companies such as Pfizer.
Solen and asks, "What has he accomplished for his constituents?" Not much.
Paul Ryan's Legislative Effectiveness Score is "Below Expectations." He ranks in the bottom 1/3 of all House Representatives since 1973. Solen notes, "We're paying all that money out of our taxes so Paul Ryan can travel between DC and Janesville rather than representing the people who voted him into office."
Ryan Solen finds Paul Ryan's indifference to his constituents repugnant. Solen doesn't believe in "begging for money to earn a few more votes to get ahead." Unlike Paul Ryan, he "will not go to Washington to make calls on behalf of the party" at the expense of the people he represents.
On November 8th, constituents who want a representative rather than a political telemarketer have an opportunity to vote in a representative who cares about his district and rather than fundraising. If you want a representative instead of a political telemarketer, vote for Ryan Solen next Tuesday.
About Ryan Solen
Ryan Solen is an Army veteran of the war in Iraq and is seeking to represent Wisconsin's 1st Congressional District. He is a Digital Forensic Specialist and Computer Security Analyst. He is a married father of four and enjoys reading, writing, doing karate with his family, and relieves stress with his vintage Lego collection.
He is the Wisconsin Democratic Party's Nominee to run for the U.S. House of Representatives to replace Paul Ryan. For more information, please visit www.solenforcongress.com
Committee to Elect Ryan Solen for Congress
Mentioned in This Press Release
Recent Press Releases by Ryan Solen
Ryan Solen Will Not Seek 2018 Democratic Nomination for CongressMay 7th, 2017 by Ryan Solen
Today I would like to declare my support for David Yankovich to seek the nomination.
Ryan Solen on the eve of the 2016 electionNov 7th, 2016 by Ryan Solen
We have spent many months now fighting to break the status quo.
Paul Ryan is not a leaderNov 5th, 2016 by Ryan Solen
Paul Ryan should have behaved like a real leader today and stood up to heckler who threatened the life of Hillary Clinton


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Jeremy Schaefer works with schools and community organizations to share the full roster of Urban Gateways touring performances with youth. In addition to his Performance Programs Coordinator duties, Jeremy is also an Urban Gateways touring artist himself with three interactive storytelling programs.
Prior to joining the Urban Gateways staff, he served as the Artistic Director and Marketing Director for Imagination Theater, a touring social issues-based theatre company, where he created dozens of interactive programs and facilitated hundreds of performances.
As a performer and playwright, his solo shows have appeared at storytelling and fringe festivals throughout the Midwest and his original plays have premiered at theatres throughout the region. He is the 2018 recipient of the Illinois Theatre Association's Award for Excellence in Theatre for Young Audiences.


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Allée Papillon (Butterfly Alley)
112th -112th Langley (east side alley)
This was started as a project to renovate an unpaved alley which was in very tough condition, full of debris, weeds and mud. We began by digging and sifting out buried trash, in a border along the eastern railroad fence, which we planted with perennials and native species. At that point the city inexplicably decided to pave the entire length with asphalt. We appealed to our alderman, making a case that the area behind the existing playground did not need to be a thoroughfare, and the city then removed the paving again. The space is now planted throughout with mainly hardy natives, an effort to withstand the annual drift of herbicide used on the adjacent railway property. A 400 foot central mulched path was established with a donation of Intelligentsia coffee bean burlap bags overlaid by woodchips.


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SALON NINETY ONE in association with Glen Carlou is proud to present The distance from afar.
Opening: Sunday, 28 April 2019, from 11AM to 1PM
Venue: Gallery @ Glen Carlou
Exhibiting Artists: Cathy Layzell, Gabrielle Raaff, Heidi Fourie, Kirsten Beets, Mareli Esterhuizen, Natasha Norman, Nicole Fraser, Paul Senyol, and Zarah Cassim.
For RSVP and enquiries, please contact Amanda at firstname.lastname@example.com or 021 875 5528.


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Madam Getry brings us up to date with what;s going on in Kindergarten, with our weekly School Report.
Last week, we just had four days in school as Monday was a national holiday marking Madaraka Day. This holiday commemorates Kenya's Independence Day.
The kindergarten kids have been busy rehearsing a poem on the me of Security in Kenya, the subject set for an inter-schools competition taking place this week at the Happy House School. We are hoping for success!.
School lunches are well organised and take place in the school banda, under the supervision of our teachers and Auntie Purity.
One afternoon we had a celebration for the birthday of day pupil Terry Edward, who is in KG3, when she brought a cake and treats into school to share her schoolfriends
KG children are enjoying PE and we had football exercises. David Hayward put great effort into kicking the ball to his Happy House sister Esther who was ready to kick it back!


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Arrange your perfect hen party, birthday or celebration with the UK's leading vintage party and makeover specialists. Visit our 50s inspired salon and shake bars in Birmingham, Essex or Cheltenham, or we'll come to you anywhere in the UK! Packages start from just £18 per person.
How to book a party
- Choose your activities (scroll down and click on the circles for more information).
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- Pop us the booking form and send your deposit (30% of the total due).
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Got a question? Call us on 0121 224 7377 or contact us via Facebook for a quick reply!
You can pick and mix any of our activities. All of our activities are available for small groups, except dance, cocktails and afternoon tea which require a minimum of 6 people to book. We can also accommodate large groups of up to any number.
You can also amend your booking up to 28 days before the booking and we can often accommodate adding more people right up to the date (but please give us as much notice as possible if you can!).
If you don't know your numbers or confirmed activities yet, you can still confirm your date and time slot with a £100 deposit. This is then taken off the total amount due when you confirm the party details with us.
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We also offer Bridal Hair and Make-up Styling in our salons, or at your home or venue nationwide, click here to find out more!


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Batman Day
Hey Speedsters, It's Batman Day!
For the third year in a row DCComics commences a celebration of our Brilliant Gotham Knight! Batman Day was created on the 75th Anniversary of the Character, which premiered in Detective Comics in May of 1939. Batman and the Bat Family have had continuous readers ever since the beginning. In Rebirth alone, the Bat Family has a constant role in at least 12 of the 30+ books that have started with Rebirth this past Summer. Batman is one of the back bones of DC Comics, so it should definitely be celebrated yearly!
The first year they recognized the comic book holiday was on July 23rd, 2014 with a free issue of Detective Comics #27. Last year, they moved the event to Sept. 26th and they gave out a free #1 Issue of Batman Endgame. This year's the free book is 'DC Universe Rebirth - Batman #1'! While I already have this issue, I'm tempted to get the free book just because I like the cover art!
So go check out your local comics Shop today and get your Free Batman comic! Check to see if your comic shop is participating in this years event ----> HERE.
Yours Always,
Batman Day Reviewed by Natalia Portal on September 17, 2016 Rating:


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First Solar has produced four gigawatts (GW) of thin film photovoltaic solar modules in under a decade, which is estimated to be sufficient to have displaced 2.5 million metric tons of CO2. The company also claims that its products have the fastest energy payback time of any available photovoltaic technology, when measured on a life cycle basis.
First Solar took the opportunity, when announcing the four GW milestone, to advise that its second factory, at Frankfurt an der Oder, Germany, has begun production. It was completed one month ahead of schedule.
When the four new production lines in Frankfurt are ramped up, during the third quarter of 2011, annual capacity of the two Frankfurt factories will exceed 500 megawatts. First Solar also has manufacturing sites in the United States, Malaysia and Vietnam.


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According to Maureen Bader, the BC Director of the Canadian Taxpayers Federation, last Saturday's referendum in Dawson Creek was a victory for property taxpayers in that city.
The referendum killed a 9.9 million dollar capital projects borrowing proposal. In a Vancouver Sun story Bader asks "What happened to the rest of the money the city has collected in taxes"…?
The story cites data put together by the Dawson Creek Ratepayers Association, showing that homeowners and businesses in that city pay twice the property taxes and twice the amount in benefits to municipal employees. It also shows the City already has three times the per capita debt as similarly-sized centres.
In addition, in 2006, the last year data is available, Dawson Creek ranked 11th on a list of 157 municipalities, in terms of expenditures per resident. In fact, at $2,083 it was far ahead of Fort St. John, which spent only $1,216.
Thus, the Federation director says 1,009 Dawson Creek voters finally said 'enough is enough' and voted No in the referendum, beating the Yes vote by 33 ballots.


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Right now I have Small Change (French). Had it for a while now. I think I'll have to avoid subtitled movies until the baby gets bigger.
Since I haven't been able to get out I've been watching more movies/TV than normal lately. What do you currently have at home from Netflix or wherever you get your movies?
For me:
Big Love season 1
Frozen River
HSM 3 for the kiddos
Right now I have Small Change (French). Had it for a while now. I think I'll have to avoid subtitled movies until the baby gets bigger.
'07--08 season: 51 Days, '08-'09 season: 55 Days, '09-'10 season: 41 Days, '10-'11 season: 49 days, '11-'12 season: 40 Days '12-'13 season: 57 days, '13-'14 season, 60 days '14-'15 season 60 days, '15-'16 season 52 days, '16-'17 season: 50 days, '17-'18 season 52 days, '18-'19 season 45 days '07-'19 seasons: 612 Days
'19 - '20 season:
November: 16.17,23,29,30 (Mount Snow)
December: 1,7,14,15,21,26,27,28,29,30 (Mount Snow) 16 (Mount Southington) 22 (Okemo) 31 (Berkshire East)
January: 1,4,5,11,12,18,19,20 (Mount Snow) 6,13 (Mount Southington)
I prefer the red box from the grocery store..then I don't have to wait for DVDs in the mail..99 cents a night rentals are the bomb deezy..
Hellboy 2
getting The Mission
It's actually been a while since I've looked at what's out there and said "I really want to watch that"...
Dark Night
Deliverance (Can't get enough of that flick)
Horton Hears a Hoo
My mom gave me a Netflix subscription in December. I guess it was a 30 day trial or something because it's now complaining that it wants me to feed them money.
I've been sitting on these three for the last 3 or 4 weeks:
Hellboy 2
Death Race
Burn After Reading
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Quarry Stone Crusher Powder
Abstract: Impact Crusher is the most commonly used Quarry Stone Crusher, at present has been widely applied in the production of all kinds, with its excellent quality and efficient production speed and favored by the users. Production factors often appears in the Quarry Stone Crusher power, which affects customer returns, only to understand and avoid the occurrence of these factors, in order to ensure the efficiency of Stone Crusher Quarry, the Quarry Stone Crusher power level is influenced by what factors?
The Factor That Affect Quarry Stone Crusher Powder
The Influence Of Material Properties For Power
Materials for equipment is very big, the influence of broken Stone Crusher for Quarry, different types of the broken material hardness and humidity difference is very big. In general, the greater the hardness of the material, the greater the humidity, containing sand, the more the more is not easy, so broken up will become at the same time also can bring a lot of Stone Crusher for Quarry wear and seriously affect the Quarry Stone Crusher production efficiency of the whole.
The Influence Of Feed Grade Of Power
Quarry Stone Crusher working principle is through the operation of the main source of power in rock and ore crushing. And the greater the broken ore quality, then broken up the energy they need to be, the more broken up will be more difficult. So the shape of broken ore size on, Quarry Stone Crusher production power influence is very big.
The Influence Of Rotor Specifications For Power
Quarry Stone Crusher rotor outer radius is larger, so at the time of production need the more energy will, of course for the influence of power. When crushing equipment idle, part of the power consumption in the Quarry Stone Crusher rotor, so for the rotor of the specifications of the will.
The Influence Of Moment Of Inertia Of The Rotor Of Power
The moment when the Quarry Stone Crusher start-up time is very big, so at the time of production more commonly use for wound rotor motor drivers. Therefore Quarry Stone Crusher the configuration of the motor can not only consider the power demand of production, also want to consider the required power when it is started.
Quarry Stone Crusher in the process of operation of the power size can be affected by many factors, hope that all of the operators have to check the configuration, equipment and maintenance work, as far as possible to ensure the normal operation of the Stone Crusher Quarry.
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Karate. Kata. Movement and easing the body's joints into this January day. A young blue tit watched unafraid as he did Godan then Sochin. Like an expert rock climber it hopped along, gripping the sheer face of the fence as a friend watched from the small silver birch beyond the fence. It was only four metres from him.
He is out on the grass near the road at the back of the flats. The frost has been severe and the sharp January sun is welcome. For the first time since he moved to these new flats the gritter has come into the estate. In their low lying area which is marshy and where years ago deep mines bore into the Scottish mantle they get all the rain, fog and frost.
Entranced by the small bird's fearlessness he lightens the kata movement. The road beyond is light with the Sunday traffic. On the other side of the road is the path that leads alongside the road.
Beyond the fence where the bird is a bay shaped patch of earth which is planted with small shrubs. It is next to the pavement that loops round the corner of the estate with the road. At the end of this patch of earth he sees the small West Highland terrier with its owner. He is a tall man. It's been years since he spoke to him. He thinks it was maybe five or more years ago. He had come to the door with a leaflet about his daughter's birthday. She would be twenty-three. It would also be her last. She had cystic fibrosis. The leaflet was to say she didn't have long and we could donate to a charity. No asking for pity and the picture of his daughter was of a girl as happy, open and alive as a father could hope for. A businessman it was taking all his control to be light and business like.
Everyone knew each other by sight, by the car huddled in its familiar parking space or the pet they had to exercise. But everyone is the walking wounded somehow he thought miming his friend's occasional mantra.
Just before the tree line began they stopped. It was only about another eight metres away from where he was practising. He had leant down to the dog and spoke.
'It's been six years and a day now, Fergus,' he said.
They soon moved away. And by now the bird and its kid brother had left and the birch was without its winter tourists. He finished and picked up the makiwara and washing basket and headed round to the front.
He wondered when he could say hello to them both as they walked out of the estate.


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Vegan Sloppy Joes + French FriesJanuary 20, 2009 at 3:27 am | Posted in Uncategorized | 5 Comments
What a fun dinner we had tonight! I forgot how much I love Sloppy Joes…and it's always fun trying out new recipes and having them go well (Especially when last night didn't go well…let's just say someone – read: me – didn't put enough cooking spray on the pan before putting the pizza crust down – it wasn't pretty).
So tonight I was out to redeem my cooking skills!
First, I set to work on some sweet tater fries. I chopped up two of the gems that we got from the farmers market on Saturday.
Then I put them on a cookie sheet, sprayed em with some cooking spray and sprinkled them with salt.
Pop them in a 425* preheated oven for 30 minutes, take them out and flip them over, then cook for another 5-10 minutes (depending on how thick they're cut)
While those were cooking, I started on the Sloppy Joes. I got the recipe from Vegan Dad's recipe. When James told he wanted Sloppy Joes, I knew exactly what recipe I wanted to use! Vegan Dad always has such great looking recipes and now I can say they taste good too 🙂
I followed the steps mostly except I skipped boiling the tempeh in water and soy sauce.
First I sautéed two tiny onions in some water until they were translucent:
Next, I crumbled up the tempeh with my hands and added it to the mix (I had also rubbed a little soy sauce on the tempeh while I was waiting for the onions to boil..don't know if it made a difference):
Then I poured Vegan Dad's awesome sauce over everything:
I followed Vegan Dad's recipe for the sauce exactly except that I used apple cider vinegar because that's what we had.
After letting the sauce thicken for a bit we got this:
I've really fallen in love with tempeh. I was skeptical at first, especially since my first experience making tofu myself was a bust, but the more times I use tempeh the more I find how versatile and satisfying this ingredient is. It made the perfect Sloppy Joe. I bet it would work for any recipe that uses Boca Crumbles or other forms of faux meat. It crumbles just like ground meat does…or how I remember ground meat crumbling
I stole some fries and put it into my wrap for tomorrow's lunch:
I made some hummus last night for me to use in my lunch this week. I used some inspiration from Happy Herbivore and added spicy mustard and soy sauce to the mix. It gave a different depth of flavor and definitely was the star of my wrap today.
This is a flat out wrap, homemade hummus, cucumber and spinach.
The best song just came on Pandora: "Time to Pretend" by MGMT. I have a playlist that I used to run to that starts off with this song so it brings back the awesome feelings of just starting off on an early morning run.
Does anyone else associate certain songs with a feeling or situation?? I do that ALL the time! When I was training for my last half-marathon, I would download the latest episodes of This American Life (my favorite show ever) and Sound Opinions to listen to on my long run. When I would run some of the same streets the following week, I could remember what was going on in the podcast when I was at that spot on my run! The mind is a crazy thing.
In other awesome running news, my new boss today told me I could come in at 9 instead of 8!!! Which means that getting a run in in the morning will be SO much more doable!
Of course I might not be going to work tomorrow morning anyway since it's supposed to snow here tonight and for anyone else who lives in the South, you know that even a little bit of snow means the whole city shuts down! We'll see if I wake up to a white world tomorrow which will equal staying in bed and watching Obama get sworn in!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Here are some pics from seeing Obama speak at Clemson:
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[…] Look at the rest of it here: Vegan Sloppy Joes + French Fries […]
Pingback by Vegan Sloppy Joes + French Fries :Runlikeh3ll— January 20, 2009 #
The sloppy joes look great. I've never had tempeh like that before.
Comment by Heather @ Hangry Pants— January 20, 2009 #
[…] tonight is something, I must admit, I've made a few times since I've lasted posted about it.: vegan sloppy joes. They're just so good! I could pretty much eat it every night. But I won't. […]
Pingback by I Want It Again! « Red Head, Yellow Dog— February 13, 2009 #
[…] on the list was a recipe I've made before, Vegan Dad's Sloppy […]
Pingback by Channa Saag & Vegan Sloppy Joes « Red Head, Yellow Dog— July 24, 2009 #
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Digital agencies' daily rates increased by 6% since 2012: report
The average digital agency daily rate has increased by 6% in the past two years, according to a new survey by Econsultancy.
Smaller agencies (with projected turnover of less than £1m) reported the most significant increases with rates up 8% since 2012.
In contrast respondents with a turnover greater than £1m reported an average rise of just 3%.
However the average results mask the fact that many digital agencies achieved huge increases in their daily rates in the past two years.
According to the results, more than two fifths (44%) of agencies said that their average charge-out rates have remained the same since 2011, but the same amount (44%) reported increases of up to 40%.


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Rexoria – Queen of light
Release: 19-01-2018
Label: Pride & Joy music
Rexoria is a female fronted Melodic Metal band with folk influences from Sweden which was formed in 2016.
The band has already been touring Europe, recorded a Cd and played at more than 30 shows ! The band had a dream to play heavy metal music with a modern touch and female vocals.
So they formed Rexoria with the members: Frida Ohlin, Jonas Gustavsson, Cristofer Svensson and Martin Gustavsson.
The vocalist, Frida Ohlin, was nominated in the Swedish competition "Årets rockröst 2016" (The Rock Voice 2016).
The band's Ep "Moments Of Insanity" (2016) and "The World Unknown" (2017) are currently available on Spotify.
"Queen Of Light" is their first full-length album which will be released on Pride & Joy Music on January 19th, 2018.
The Cd was recorded in the first half of October 2017 at Trampolin Recordings in Gothenburg, Sweden with producer and mixing engineer Henrik Pettersson
and mastered by Jeffro Lackscheide in the USA.
Watch the video for "Run for your life" here !
1. The World Unknown
2. Soldier Of The Sun
3. Valiance In War
4. Brother
5. Heated Up
6. Moonlight (Reach The Sky)
7. Run For Your Life


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Leg 2 of our journey took us to Italy, Greece and Montenegro. We arrived in Venice, Italy via on flight from London Gatwick Airport operated by British Airways. This was a fairly short flight, at 2 hours.
The Airport and Flight Experience
London Gatwick Airport was more shopping-focused. It required all passengers who checked in to walk right through the Duty-Free shops before reaching any of the gates. Passengers who fly also do not receive gate information until about half an hour before boarding. We were lucky to find a kids play area with some soft blocks and other gymnastic-like stuff for Kai to play around in.
The play area was perfect for him to get some energy out! I took Kai there while Michael took his parents to find the lounge since Kai and I had already eaten before we arrived to the airport.
We stayed in the play area for about an hour and a half. Thankfully, kids came and went. Kai was very much entertained. We left the area once so Kai could go potty. He was able to go #2 on the big potty. Phew. Thank goodness because I did not have access to his travel potty at the time. I only had his stroller and my cell phone.
I finally connected to the 90 minute free internet at Gatwick airport and phoned Michael via iPhone calling to see how long they were going to be because I was parched!
They came back and were worried our flight was going to be delayed because we hadn't received any gate information. After about 2o minutes we were given our gate. We went down to the boarding level, and it was literally all gates. Of course there were some vending machines, with Ben and Jerry's Ice Cream and some chips and other snacks.
June 9, 2018 – Venice, Italy
We landed at Marco Polo Airport in Venice, Italy on the evening of June 9th and took the ATVO shuttle bus from the airport to Venezia Piazzle Roma. Then we walked a few hundred feet to our hotel, Hotel Olimpia. It was around 9pm once we checked in. The receptionist was very kind and extremely helpful when giving us directions to the cruise terminal for the next morning.
We had a wonderful balcony overlooking the canal below us. The air was hot + humid outside that evening, but there was a nice cool breeze.
Ordering room service was such a breeze. The pizza and spaghetti bolognese were absolutely delizioso! We had a lovely night's stay at Hotel Olimpia.
June 10, 2018 – Venice and Cruise Embarkation
We woke up, got breakfast, checked out, and then went on a gondola ride for about a half an hour. The hotel was able to hold our luggage while we were exploring the area.
Then we went back to grab our luggage and made the journey to the People Mover, a monorail that take passengers from Piazza Roma to the port and parking lot. It was only 1,50 a person to take this option vs. paying 50 in total for a taxi.
The only downside was we had to move the luggage over small bridges and cobblestone walkways. Don't forget we also had Kai in tow in his stroller. Thank goodness we brought his lightweight umbrella stroller. I was able to easily lift him up so he could go along for the ride.
It wasn't too bad of a commute. Of course our cruise ship, the MSC Musica, was literally the farthest one away.
We had priority check-in so we got special treatment. We were on the ship in no time. It was a little different the way they gave us our room keys and took our pictures on this cruise ship.
Our room keys were in our rooms with the doors cracked open. Our prepaid excursion tickets and daily schedule.
It was nice we got the Aurea package because it's an all-inclusive one where all of our drinks are included.
This was also the first time ever that I had stayed in a room with a balcony! It is very nice and useful for drying our towels and bathing suits.
My in -laws got a separate room from us for the duration of the cruise.
But we had requested we be seated for dinner together. I guess dinner here is eaten later than we are used to. The first seating is at 7pm. Here are some pictures from our dinners on board the MSC Musica.
I am currently trying to put together a separate post about our overall cruise experience as well as a cost breakdown for the cruise portion of our trip.
However, I am not sure if I will be able to accomplish this task. Fingers crossed that I will have the stamina to complete this!
June 11, 2018 – Brindisi, Italy
Our cruise ship docked at 1pm. Michael's parents booked an excursion on their own to see the town of Lecce.
We decided to explore the area on our own. There was a free shuttle bus for cruise passengers to take to the city center, which was very useful!
Brindisi is a cute Italian town. The area we explored had white buildings and a cobblestone walkway. There were also some street vendors set up in an area with some cool trinkets.
My mission was to find a pair of shorts since I only packed one, and they are hiking ones. I thought I had more, but I was wrong. I wear a size 12, and my mission proved to be impossible. First of all, there weren't many shops that calls shorts. I mean there were a lot of places that sold Bermuda shorts and men's shorts. But the style of shorts in this area differed from the style I wanted.
While the little shops were cute, they didn't offer a lot of variety in terms of sizes. So they were limited on inventory.
I finally found a sports shop that sold shorts, and I ended up getting a pair of light-weight white capris.
Mission semi-accomplished! Onto the next stop.
June 12, 2018 – Katakolon, Greece
Our first stop in Greece was the gateway to Olympia, the site of the very first Olympics!
Boy was it hot hot hot that day. We had pre-booked an excursion to visit the historical site along with an olive estate.
Our cruise docked about a half an hour from Olympia. We boarded our bus and off we went. The tour was given in English and German. But boy that tour guide couldn't shut up. I mean it was non stop explanations for a half an hour! And that mic was LOUD. She was very thorough; I'll give her that.
It also didn't help that Kai did not sit still:/ we finally managed to get on his seat belt and he squirmed for a little while, but we gave him some sour strawberry raisins (boy are they life-changing), and he calmed down a little.
I am thankful that as soon as we reached the entrance gate, she gave us an assigned time to meet. This way, we were free to roam about and be comfortable to return back to the meeting point.
We didn't stay with our tour guide because all Kai wanted to do was be in the Olympics! At first he thought he was at a dino dig site, excavating away. The ground was all dry dirt/sand and gravel. He was covered in it, even while in his umbrella stroller.
After ten minutes, Kai was free to roam the site, stroller free! Boy was he really running wild. I mean this kid was stuck on a bus for half an hour and then sat in a stroller for another 20 minutes. It was all that built up energy!
The ruins were really underwhelming. Mainly because it was ridiculously hot! The weather reminded me of Arizona; it was a dry heat.
I definitely can say that if we ever return back to the site, I want to do more research on the different buildings on my own. I would have enjoyed visiting the site had I known what each building housed beforehand. Yes, I know we had a tour guide. But, we also had a toddler with us who wanted to explore on his own.
Our next stop was the Magna Grecia estate which was only about a ten minute drive away from the site. There, we were welcomed with a glass of white wine or water, and a traditional Greek snack. It was sort of like a mini meat pie = very tasty.
The 4th generation owner of the farm gave us a presentation about the olive oil making process. Then took us to taste the olive oils and the olives, which were delicious!
Then, we all went to a banquet type room where there was red table wine, water and a tasting plate, which consisted of a lot of good food!
Then, there was a traditional folk dance performance by the workers. And the whole crowd joined in.
At this point Kai was ready for a nap. He fell asleep on Papa and stayed sleeping until after we departed the estate. I think he woke up because our tour guide was talking a lot on the way back to the cruise ship.
Overall, the excursion was worth it. This particular tour didn't cater to our toddler so much. We knew that going into it. We received entry to Olympia and had a wonderful and warm welcome by the local farmhouse! We would not have had the experience of visiting an olive farm had we not taken the excursion.
Sure, it was also one of those touristy stops, but hey we are tourists.
June 13, 2018 – Santorini, Greece
Our second stop was this beautiful island of Santorini where we had planned to go on separate excursions from my in-laws. Kai was supposed to sleep over at Grammy and Papas the night before and go with them on their excursion because the one Michael and I picked did not allow children.
My in laws were going to visit Oia Village. We were going to the caldera and swim a half and hour to the hot springs.
During dinner the night before, I was getting a little concerned because Kai has a runny nose. But we decided to let him spend the night.
Of course, after Michael and I got back to our room, we received a phone call that Kai had vomited and wanted mommy and Daddy 🙁 poor baby.
Thankfully. We know God was there looking down on us. It was really strange, but we received a notice that our caldera excursion did not have enough English speakers for them to give us a tour in our language. After speaking with the excursions desk, we decided to cancel it, seeing as we did not speak German or Italian.
That really worked out because I know my mother in law was worried about taking Kai with them on their excursion.
That morning we woke up late, around 10am, and we took the tender boat into town with Kai. Initially I was going to let the boys rest while I explored Santorini on my own. But it seemed like after Kai threw up last night he was a lot less congested.
Donkeys. We rode them up! There were a lot of steps to go up, and we didn't want to take the cable car up. Kai LOVED riding on the donkey with Daddy.
He kept wanting to ride it, even after we made it up the 570ish steps.
I was thankful the donkey ride was over. Phew! I felt like I was holding on for dear life, especially since the donkeys we're trained to walk on the sides (closer to the walls) and boy was that scary looking over the edge, as we went farther and farther up the cliff.
I do have to say that the whole ride up I was feeling a little guilty for the donkey. I mean it was carrying my weight. The other donkey carried Michael AND Kai.
Afterwards, Michael explained to me that they are working animals and that they probably have done this for centuries. They might have had to carry goods or other things up the hill before tourists. I felt a little better about it all. I do have to say the donkeys all looked very healthy. And I know the owners know which ones to assign to different people based on weight, etc. because Michael's donkey led the whole pack! And, it was definitely carrying the most weight.
We left the cruise ship that morning without eating anything with the intention of finding a nice restaurant or cafe. That definitely worked out because we found a lovely restaurant while we walked around. Kai was hungry. We were hungry.
The view of Classico Restaurant was absolutely stunning!
It worked out that we didn't go on our excursion because we were able to have a wonderful meal and Kai got to ride a donkey. We picked him up a stuffed donkey toy with a bandana that reads Santorini. He loves it!
Later that night, he wanted to watch Shrek. Why? The donkey of course! 🙂
June 14, 2018 – Piraeus, Greece
One word that comes to mind when I think of Athens. Graffiti. Yes, the photos don't show that side of Athens. But, it is a painted city. Rough around the edges, with a story-filled history.
We decided to explore the Acropolis in Athens after our cruise docked in Pireaus. Knowing it was going to be a tough trip with Kai we asked Michael's parents to watch him for a couple of hours.
Thank God we made the journey on our own.
Once we docked we could feel the culture in this city differed drastically from the island we were just on. It felt more congested and more of a city with lots of buildings and shiny roofs.
The night before, we were given tickets to to use at our discretion for the Hop on Hop off bus, at £20/person.
When we exited the cruise terminal we noticed the bus along with a guy holding a Limo sign for £15/person to the Acropolis. That would have set us back £60 because we would have needed to return back to the ship.
We ended up choosing to take public transportation into Athens, which was a card that cost us £4,50/person. We were able to use that for the bus and the metro.
The X80 stop was just outside our port. Our cruise ship docked at E12 in Terminal B. There was a ticket office right beside the bus stop. The man in the booth informed us the X80 comes every 40 minutes. It was 10:40am. The next one was to arrive at 11:10am. That one was the last one before the bus drivers went on strike. Yes your read it right: strike.
On the way back, we were told to take the metro and walk about 20 minutes from the Piraeus station.
Since we had just missed the bus, we decided to ask for walking directions to the metro. The man in the booth advised us to take bus #843 six stops to the metro station and get on that and transfer to the Acropolis.
We made it, after three transfers. It took us a while, but we did it. Michael was mad at me because he didn't want to deal with the transfers and take public transportation. He just would have preferred to take the private limo.
I was all about saving money. Realistically we couldn't afford the ride since we had allocated a certain amount of Euros in cash to bring with us. At this point we only had about £50 in cash on us. Now if the limo was able to take card, that would have worked to our advantage. We didn't end up checking.
We just went forward with the public transportation method. In my opinion, it wasn't too bad of a commute.
I like taking journeys and experiencing the local culture.
Once we got to the Acropolis stop, we sprayed sunblock because it was very sunny and hot. We walked about five minutes to the ticket booth, purchased our tickets (£20/person for the Acropolis and the slopes), and made our way up to the site. It was a tough hike up the steps, a dry heat. But there was shade along the way up.
It was so magnificent. Such a sight. Overlooking the city. Such history. It was beautiful. Crowded, but beautiful.
We took lots of pictures. And lots of selfies. After getting our first selfie stick, we have really enjoyed looking like the self-absorbed tourists we are:)
After the travel high we experienced, there was only one way to go, down.
The exit was located in the back. We walked down the steps and passed numerous small shops along the way. What we didn't see: available taxis.
We noticed some large tour buses in a parking lot as well as three taxi cabs who appeared to be in an accident since there was a policeman with them.
After walking for about twenty minutes we noticed a free cab talking to two MSC passengers! We thought we were saved. The driver had quoted the passenger and his daughter £25 for the ride back to the cruise ship. But when Michael and I showed up, he was going to charge us £25 each instead of us splitting the cab. So we ended up trying to get him to take us back for £25 altogether, but he refused.
So the father and daughter just kept walking to try and find another taxi. We walked with them because I felt so bad we ruined their taxi ride. But there were no taxis to be found. Apparently the taxi drivers were also on strike.
So Michael and I separated from them when we saw an above-ground train. It was right in front of the government building where the rally/strike was being held. We were right in the thick of things.
We took Train 4 all the way to the last stop. Got off. Transferred to the Green line and headed back towards Piraeus.
The train took us to where the bus had dropped us off previously. We then walked towards the cruise terminal but soon realized gate E12 was a lot farther from E5.
We must have walked for 40 minutes, and we saw we were at gate E11, but E12 was still above and around the corner. Thankfully, a taxi driver stopped on the side of the road and told us he would charge us £5 to bring us to the port.
It was a much longer distance than we had originally thought. We boarded the ship with five minutes to spare before the end of final boarding. Phew! Was that an adventure.
June 15, 2018 – Corfu, Greece
The five of us pre-booked an excursion for a Jeep safari adventure. Michael had previously given the excursion office his drivers license so he could be our designated driver.
We were supposed to dock at 12:30pm, and that's when our excursion was scheduled to meet. The ship didn't dock until 1pm. And we didn't leave the boat until about 1:20-1:30pm. As we were leaving the ship, it began to pour outside!
The crew was kind enough to give us ponchos. Thankfully we reached the bus that took us to the other side of the parking lot where our Suzuki Jimney vehicle was waiting for us. The roof was up, and we all climbed in.
We followed the leader which had a yellow flag. They took us off-reading and brought us to a market where they sold some traditional Greek yogurt and honey as well as other olive oil based products. There were some restrooms inside and also a little cafe where we were able to grab some coffee.
Right before we left, our tour guide informed us there was a change in plans. There was thunder and lightning at the beach we were supposed to visit so it was not safe to visit.
Instead we went to a restaurant, Castellino, with a nice view overlooking the water. There was free WiFi there!
Waiting for us inside were some tapas and wine. It was a nice break from driving around in the rain. As soon as we were done there, we ended up going to a beach. The area we were in was fairly touristy. It was where Odysseus was supposedly discovered.
The tour guide took us to the beach area next to a small aquarium. It was very nice! The water was very clear, but the beaches were a mix of sand and gravel. That is pretty common in the area we were in.
The sun was making an appearance right as we were about to leave the beach and head back to the cruise ship. We were able to put our roof down and get a lovely breeze!
June 16, 2018 – Kotor, Montenegro
I had been dreaming about coming to visit Montenegro for a while now! I think it was ever since Djokovic had mentioned his family enjoys vacationing here. I guess it makes sense with its proximity to Serbia and all.
The small country on the Adriatic Sea coast exceeded my expectations!
Our cruise ship docked in Kotor, which is a small port. The Bay of Kotor has beautiful fjord-like views. It was quite cooler here due to us being in the valley.
My in-laws decided the night before they were going to stay in and avoid the beach. Michael, Kai and I took a left outside the port and randomly came across a park with a cute playground. I played with Kai while daddy walked a bit further to scope out the potential beach. It was about a four minute walk past a shopping center on our right. We also passed a saltwater pool.
The public beach we saw wasn't that great. It was literally all gravel, and there was trash along the shore 🙁
So we walked back towards the playground and decided to rent a boat.
I guess beach transfers via speed boat don't start until July. But, we were able to rent a private boat with a skipper for two hours at £50/hour.
Kai loved it when the boat went FAST! We asked them to bring us to a mostly sandy beach in the bay.
Our skipper, Neric, found one that had a port-o potty and a restaurant! Perfect. Because I really really needed to use the bathroom.
This beach was definitely THE kid beach! There were all kids and parents/grandparents.
We had fun in the sand and ocean. The water was so clear! But the sand area was definitely a mixture of sand and gravel. Definitely not like Bermuda!
The surroundings were gorgeous! The mountains were beautiful. It kind of reminded us of being in Alaska but more of a tropical version.
On the way back to the cruise ship we got caught in a passing storm! We must have just been five minutes too late. We got soaked. But, it was an exhilarating experience.
June 17, 2018 – Venice, Italy
Father's Day. Back to port. Our disembarkation time was 9:10am. We had originally arranged for our hotel to send a shuttle to pick us up at 10:30am, which was £12,50/person.
We got off the ship fairly quickly. Our luggage was already waiting for us! We left the cruise terminal at 9:30am, so we had an hour to kill before our shuttle was scheduled to arrive.
I ended up using my cell phone. It was $10/day for the international AT&T plan. We asked them if they could schedule the pickup to be earlier, but they were all booked until 10:30am. So we ended up asking around to see how much a private taxi would cost. And it was about £55 for the taxi, but it ended up being £80 for the taxis after taxes and other fees (not sure what they were).
After securing a taxi, we canceled the shuttle from the hotel. They were very accommodating. We arrived to the hotel just after 10am. And we were able to check in.
We just spent the day relaxing by the pool and ordering food and drinks in the Italian country-side. Unfortunately, the pool guy was on Italian time and the one sandwich, one personal pizza, and three drinks that were supposed to take 10 minutes took one hour to come out.
Michael really enjoyed his club sandwich, which consisted of white un-crusted bread, chicken salad, hard-boiled egg, bacon, and lettuce.
Kai enjoyed the little sand box, toys, small plastic log cabin, slide, and other children's toys outside near the pool area. He warmed up to swimming with his floaties too!
It was nice to just relax and hang out for the day.
Dinner didn't start until 7:30pm. We sat outside. It was nice. The server brought out menus and colored pencils for Kai. We ordered. Food was very satisfying!
During dinner there was a man playing the piano and singing. It was really nice and relaxing. Kai wanted to dance around a little. He sure worked up an appetite.
We ended up getting one room for all of us to share, and it was a little rough because we had one king bed and two smaller twin-sized beds. And, Michael insisted Grammy and Papa sleep on the king-sized bed while we slept on the two smaller beds. Our intention was for Kai to sleep with his grandparents. Unfortunately, that didn't work out too well. He insisted on sleeping with mommy and daddy.
He had some trouble falling asleep, but we took him for a nice stroll outside to listen to some more live music. And he fell right asleep 🙂
I'm so grateful to have some time tonight to catch up on editing pictures and writing this blog post. It's really tough to live in the moment, enjoy and document everything because it all goes by so quickly!
Kai woke up in the middle of the night to use the potty and woke everyone up.
June 18, 2018 – Italy to England
Packing this morning. We have been having an issue with Kai hitting us on this trip. I got really mad at hime because he slapped me on the face this morning. And he was being bad during breakfast and hit daddy too. We put him in timeout and ignored his cries. It takes a lot of willpower to not feel bad for him because he's so cute and little. Sometimes I don't know if I am doing a 'good' job as a parent. It's tough for adults to travel, and it gets tough on the child too.
There will always be ups and downs, and rocky roads. But when there are lows, there are always highs. Let's think positive. Fingers crossed, Kai has learned his lesson and will think twice before hitting anyone of us again. We will see. Only time will tell.
We leave for London Gatwick Airport this afternoon.
The most memorable cities.
Michael and me: Athens, for sure, since that was the only city we explored, minus Kai! While it was taxing on Michael and me, the journey really pushed our limits. We felt like were on the Amazing Race, trying to get creative and find a way to get back to our cruise ship before it left without us. The Acropolis was magnificent.
Kai: Santorini because he loved the donkeys. He carries around and falls asleep with his stuffed donkey we got for him!
The Group: Corfu because we got to rent a vehicle and we were stuck in there for about five hours. We sure did bond during the rough patches of rain and had a good laugh! Venice, even though it felt like a 100 degrees when we were riding on the gondola. It was a wonderful experience for everyone. Kai even enjoyed it.
Leg 2 Thoughts
Overall, we have had a wonderful, relaxing, and exciting second leg of our Euro Trip! I thoroughly enjoyed my massages and facial. Since we got the Aurea package on board the MSC Cruise Ship, we were able to get one massage/person/cabin. Since Michael didn't want to use his massage, I ended up getting two massages. One on the first day of the cruise. And, one on the very last, combined with a lovely Carita 'cotton softness' facial.
Hopefully everything goes smoothly with the flight to England. Only a few more days in Europe! More updates to follow.


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A Hill Learning Center education is a valuable investment, empowering students to reach their full potential and become confident, independent learners. The Wendy B. Speir Student Financial Aid Fund reduces the financial barriers to attending Hill School by offering financial assistance to students who qualify for enrollment yet lack family financial resources to attend. In 2019-20, approximately $354,000 was awarded in financial aid. Twenty-four percent of Hill Learning Center families received awards averaging $8,400. In addition to financial aid, two State Scholarship Grants are available to qualifying families. Below you will find information regarding Hill's financial aid process and the State Scholarship Grants.
Tuition and Fees
2020-2021 School Year
- 3 Hours Daily Instruction (Half-Day): $21,060
- 2 Hours Daily Instruction (Grades 9-12): $16,340
- 1 Hour Daily Instruction (Grades 9-12): $12,140
- Initial Application Fee (non-refundable): $50
- One-time New Student Fee: $425
- Tuition Refund Insurance Fee: $225 – $395
Financial Support
Hill Learning Center participates in two North Carolina State Scholarship Grant programs. We encourage families to review the program rules thoroughly and to take advantage of these opportunities. Parents for Educational Freedom in North Carolina (PEFNC) is a statewide organization that supports greater educational options through parental school choice. Visit the PEFNC website for more information about State Scholarship Grants.
School tuition and fees may be tax-deductible as medical expenses. Children who have been diagnosed as having a specific learning disability or attention deficit disorder may qualify for deductions under the federal income tax regulations.
Admissions Contacts
Sara Miller
- Director of Admissions & Enrollment Management
- firstname.lastname@example.com
- 919-719-7547
Holly McKenna
- Assistant Director of Admissions
- firstname.lastname@example.com
- 919-719-7541


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Community Briefs
Classical concert series
Enjoy free classical concerts on Saturdays showcasing students from the Aspen Music Festival. The concerts will be held at the Carbondale Branch Library on Aug. 5 and Aug. 12. Doors open at 5:45 p.m., and the music begins at 6 p.m. Each week features new music and instruments. The concerts take place in the Calaway Community Room and are made possible by a generous donation from Jim Calaway. For more information call the library at 970-963-2889.
Starwood concert
Starwood, Aspen's favorite band from the '70s, is reuniting for a great night of their original and much-beloved songs at 7:30 p.m. Friday, Aug. 4, at the Ute Theatre in Rifle.
Their music was the soundtrack to the '70s. Original members Bobby Mason, Bryan Savage and Haden Gregg will be joined by three of Colorado's finest musicians: Larry Thompson, JD Martin and Dave Johnson.
Starwood and its individual members have played with nearly every band that came through Aspen in its musical heyday: John Denver, The Eagles, The Nitty Gritty Dirt Band, Jimmy Buffett and many more.
Start a dialogue, stay on topic and be civil.
If you don't follow the rules, your comment may be deleted.


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Tokyo: Here Be Dragons!May 3, 2017 in Japan ⋅ ☀ 17 °C
Terrefic first day in Tokyo! Up bright and early after a good nights sleep at the Hotel in Asakusa and off to the Senso-ji Temple just down the road to beat the Golden Week crowds. Still a few people around but its an amazing green oasis of peace amidst the hussle and bustle of Tokyo. Beautiful architecture and nature and lots of temples and shrines.... here be Dragons! :-)
Back to the hotel briefly to organise the on-shipping of my baggage. Its a great service and means I dont have to drag my suitcase around when I travel from place to place in Japan. It's very reasonably priced too.
Then off to Akihabara to get measured up for a formal suit for my sons wedding in Scotland. Hey, the father of the groom has to look good :-) and a look around the bustling city streets famous for thier electronics and anime stores and Maid Cafes. Its dangerous letting me loose in a seven level electronics megastore, lol.
So after all that excitement its off to Shinjuku Gyoen, beautiful and vey large gardens with lakes and forests and traditional Japanese gardens in the heart of the city. Another peaceful if very crowded place. Its Golden Week here in Japan which is one of the biggest holidays of the year so I'm going to need to get used to the crowds over the next few days. Certainly more people here than there are in NZ; in fact theres more than 3 times as many people in Tokyo alone than in the whole of New Zealand.
Traveled the trains and the subway all day. the Japan Rail 'JR Pass' is a wonderful thing. You can travel on all trains, including the Shikansen, across Japan for the price of the pass, which is generally cheaper than just one return between Tokyo and Kyoto on the Shinkansen 'Bullet' Train. Once you get your pass you can make reservations and get seats on the trains of your choice. It makes travelling around Tokyo and Japan just so easy. The public transport here is just amazing!
For a city of 14 Million Tokyo is incredibly clean, green, efficent and safe. In fact that observation applies across the whole country. If anything Japan reminds me of Switzerland. It never really feels crowded either and even though there are 120 million people here they all live crammed together on 20% of the land, leaving 80% of the country as stunning mountains, forests and wild nature.
Lots more to explore; off to Kyoto tomorrow on the Shinkansen...Read more


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Isn't it about time your third grader started earning their own keep?
Child labor laws are pesky things, but it's never too early to get kids thinking about earning their own living and – better yet – about starting and running their own business.
Fortunately for you, there is a really cool program at SUNY-Buffalo State's Small Business Development Center that can help you teach them just that: the KidBiz Market.
Open to children in grades 3 through 6, it starts with an hour-long training session this Saturday, where kids will get a crash course in entrepreneurship. They'll hear about everything from financing and pricing to up-selling and customer service.
The program culminates with an open-air market on Bidwell Parkway in the Elmwood Village, where children put their new skills to work selling their wares, whether it's cupcakes, plants, handmade jewelry, homemade soap or even their own used toys.
Andrea Lizak, who runs the program, said she is always impressed by the creativity of the kids who get involved. Some young entrepreneurs have sold rocks painted like ladybugs, homemade dog treats or original photographs turned into greeting cards. Some just played music and left their instrument case open to collect tips.
Kids learn how to borrow seed money from parents and pay it back, how to price products according to what the market will bear and how to earn repeat customers with great service.
"We teach them about 'attention getters,' so we have a lot of kids that will wear different cool hats or decorate their table with cool balloons, or make really great signs," Lizak said.
Kids learn about supply and demand, too.
One year, a participant was selling ice cream treats on a hot day. His original selling price was $1, but when he saw how long his line of customers was, he raised the price to $2.
When all is said and done, kids get more out of the experience than just a better understanding of money and a hands-on experience in the business world: They get to be in charge for once.
They also learn how to communicate with people of different ages and acquire the quiet confidence that comes with a self-driven job well done.
"If they're shy at the beginning, they're not shy at the end," she said. "They really start to talk to people and interact with other kids."
The program has been running for more than 20 years. Last year, 150 students from 38 schools participated.
Saturday's training session takes place from 9:30 a.m. to 10:30 a.m. in the Bulger Communication Center South at SUNY-Buffalo State, 1300 Elmwood Ave.
The KidBiz Market will take place on June 16, July 7 and Aug. 4 at Elmwood Avenue and Bidwell Parkway behind the farmers market. Participants can choose to sell at one, two or all three dates.
Again, it's open to kids in third, fourth, fifth and sixth grades only.
Participants will need a guardian's permission, a signed registration form, and their own selling supplies (including their own table) and must pay a $2 fee.
Registration forms can be sent by mail, or picked up in the the Small Business Development Center in Grover Cleveland 206 at SUNY Buffalo State, 1300 Elmwood Ave.
For more information, call 878-4030 or visit email@example.com.


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The German premieres of the World War II series Band Of Brothers, produced by Tom Hanks and Steven Spielberg, American Beauty author Akan Ball's black comedy Six Feet Under and Swiss documentary filmmaker Christian Frei's Oscar-nominated War Photographer are among the international productions being lined up for the 12th International Television Festival in Cologne during this year's Cologne Conference (June 15-21, 2002).
Commenting on this year's festival selection from more than 600 entries, which also includes the US real-time series 24 starring Kiefer Sutherland and new BBC productions by Danny Boyle, programme director Martina Richter declared that "the programme entries we have viewed so far promise an unusually strong year, above all in terms of fiction programmes".
The Cologne Conference & Screenings festival, conference and programme market will be staged in a different sequence this year, with the Cologne Screenings market platform opening on June 18 and the festival programme beginning on June 15. Meanwhile, the conference section - which this year will focus on "the transformaton of the German TV market and its repercussions for the broadcasting landscape, production industry and programming" as well as "international strategies for up-and-coming TV and film talent" - will be held from June 19 as part of the Media Forum NRW.