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Staff Benefits vs the Fringe Benefits TaxFebruary 14, 2012
Our guest columnist Anthony Raykos from Grant Thonton informs us of how the Fringe Benefits Tax applies to employee benefits.
Higher rental costs, weak retail sales growth, wage pressures and tighter lending can make non-cash remuneration options more attractive than traditional cash bonuses – but beware of the fringe benefits tax (FBT) implications.
FBT has the potential to apply where an employee is provided with a non-cash benefit and that benefit was provided because of the employment relationship. "What about the staff lunch we had the other day?" you ask. Well, the answer is…it depends….
We know you've got enough to worry about so we've included some things to look out for in your business practices and some tips to help you get your information sorted, so you can focus on what you do best and let your accountant deal with the technical side.
FBT can apply where a car is used partly or wholly for private purposes and the employer owns or leases the car (or pays the operating costs).
There are two methods of calculating FBT on cars; the "operating cost method," broadly based on the running costs, and "statutory method," which is based on kilometres travelled. One may produce a lower FBT liability so choose wisely. Consider the following:
- Log books, especially if your work use far exceeds private use. Log books are readily available from most stationery outlets, (there are also logbook applications on Smartphones which can be handy). They only need to be maintained for a 12 week period and, provided your pattern of use doesn't change significantly, can be valid for up to 5 years. This will also support your income tax deduction. Just make sure your logbook hasn't expired by 31 March 2012.
- Odometer readings at 31 March 2012 – you will need these no matter what method you choose.
- Previously, the applicable private use percentage under the statutory method reduced progressively as the kilometres you travelled increased. For all car fringe benefits provided from 10 May 2011 (unless there is a pre-existing commitment in place to provide a car), a flat rate of 20% will be applied no matter how many kilometres you travel.
- Entertainment incorporates food, drinks, recreation and related travel. This might include the taxi fare to take your employees to the pub, or the lunch you had with your clients and staff even though you discussed business issues in between sips of Moet. Entertainment benefits can take many forms so make sure you keep records on where functions are held, the purpose of the function and the number of staff, associates of staff and clients that attend. Your accountant will thank you and it should help reduce your FBT liability.
Living Away From Home Allowance (LAFHA) – Major changes proposed!
- The government is currently consulting on some major changes that will affect how the LAFHA will operate from the 1 July 2012.
- If implemented, 457 visa holders and many New Zealanders will be ineligible to claim LAHFA unless they have a home base in Australia and are living away from this base for work purposes. This could add a large tax burden to the cost of employing such individuals who are currently under a LAFHA arrangement.
- Another potential change will require individuals to be able to demonstrate/substantiate their actual expenditure on accommodation and food beyond a statutory amount, rather than solely relying on the current "reasonable" amounts.
Other tips and traps
FBT exempt benefits – there are many! Some of the more common ones include:
- Tools of trade and portable electronic devices such as phones and laptops used predominantly for work purposes
- Light refreshments provided on work premises during a work day
- In-house property benefits (things your business makes or sells) less than $1,000.
- Commercial vehicles greater than 1Tonne. Be careful. Private use of these vehicles may still be caught as "residual benefits."
- Take advantage of concessional payment and lodgement dates available to tax agents.
- Minor and infrequent benefits less than $300 may be exempt from FBT
- Review your salary sacrifice arrangements. Is the FBT cost being covered properly under the current structure? Declarations and elections need to be documented and signed off – ask your accountant for more details.
So in the upcoming months, review what benefits you have provided to your employees from 1 April 2011 to 31 March 2012. Have you got the appropriate records and declarations in place? If you are unsure if something is a fringe benefit, see your accountant. Taking advantage of the exemptions, concessions and choices available can help keep your employees happy and save on tax bills.
For more information visit www.grantthonton.com.auThis entry was posted in Uncategorized. Bookmark the permalink. ← A New Way Of Communicating From a Franchising Prospective – Too Easy! →


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Shelter Dogs Shine with Celebrity Names
What's in a name? Potentially a life! Animal shelters all over the country are using a clever new tactic to help facilitate adoptions and increase the bond between animals and potential adopters--they're naming the animals after celebrities.
This new marketing strategy helps potential adopters empathize with the homeless animals and hopefully see them in a different light. Dogs that may otherwise be overlooked can now be seen in a more anthropomorphized form, and that can make all the difference for potential adopters.
In an interview with the New York Times, adopter Heather Allard said she adopted her dog, James Earl Jones, almost solely because of his name. Her first dog's name was Simba, and James Earl Jones played the voice of Simba's father in Disney's The Lion King. She took it as a sign that James Earl Jones was meant to be her next dog, and he went from homeless to a beloved pet that day.
I think this is a fantastic strategy for shining a new light on otherwise overlooked homeless pets.When choosing a new four-legged friend, it can be difficult to decide on a dog, especially when you're at an animal shelter. While what's most important is determining that the dog's temperament, energy level, and size are appropriate for your lifestyle and living situation, a quirky name might just be the cherry on top that helps you choose your next dog.
Have you adopted a dog based on its name? Is your dog named after a celebrity? Leave your comment below.
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Positively Dog Training Episode 804
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In this podcast, Victoria and Aly share great ideas on how to provide enrichment for your dog when it's cold outside. Aly shares...
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Just after school was over earlier this year, my daughter and I took a trip to Boston and New York. For each of our children I've taken a father/daughter or father/son trip with them after they turned sixteen. Taylor, hereinafter referred to as T-Hol, wanted to go the urban route. Her favorite place in the world is New York City. But, since she has been there a few times, she wanted to include another East Coast city in the trip. After much discussion and research we settled on Boston.
We stayed in the Back Bay and rode the T to various parts of the city. Of course, being a history freak, I wanted to walk the Freedom Trail again. T-Hol hadn't been on it before. So, we took the better part of a day to explore Boston on foot via the Freedom Trail. It's truly amazing to walk through America's past and to be on the same streets that were trod by Paul Revere, Ben Franklin, Samuel Adams, and a whole host of other American patriots.
I was struck by this statue of Samuel Adams. I'm sure it's been photographed hundreds of thousands of times, but framing the strong image of Adams against Faneuil Hall made for a very compelling image to my eye. I normally don't like strong shadow, but for this image, the shadows seem to intensify the strength of Adams that seems to exude from his likeness. I hope you enjoy the image. And don't miss the opportunity to connect with America's past by walking the Freedom Trail the next time you are in Boston.


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Posts Tagged 'Folk'
Grouper / City Center – Split 7": False Horizon / This is How We See in the DarkMarch 13, 2009
In 2007, ambient/drone artist Liz Harris, otherwise known as Grouper, released a split LP with fellow West Coast experimental drone artist Eva Saelens, otherwise known as Inca Ore. At the time, the two artists were contemporaries in every way, coming from the same general geographical area as solo artists, both crafting eerie dark ambient music and having had a few albums under their belts. Grouper gave a taste of the succulent melodicism that was to come in full force on her subsequent album Dragging a Dead Deer Up a Hill, and Inca Ore provided ambient noise soundscapes that wouldn't sound out of place on the soundtrack of a horror film.
In the end the scales tipped toward Grouper, the reason being that Inca Ore's material really only catered to fans of noise and the most difficult of dark ambient, and the songs Grouper provided were the most advanced as well as accessible of any other work she had yet done. With that said, the progression of Grouper's catalogue is very traceable. Starting with the impenetrable dark ambient of her debut album, Way Their Crept, through the slightly more experimental but still drone heavy Wide, then to the subtly melodic Cover The Windows and the Walls, then the aforementioned bittersweet melodies on the Split LP, and up to the sublimely melodic Dragging a Dead Deer Up a Hill; Harris' output has always moved closer and closer to flat out folk music, and her contribution to this split single, "False Horizon," is finally the pinnacle of that progression.
The song pulses with lightly strummed guitars that are no longer completely submerged but only knee deep in liquidic reverberation. The only melodic tools used here are a single acoustic guitar and several layers of harmonized vocals. It is the barest Harris has ever left herself or any of her music, no longer a claustrophobic cacophony that we heard on Way Their Crept and Wide, as engaging as they were. As usual, the vocals here are only partially intelligible. We can almost be sure that Harris sings "where bodies float down," at some point, but it is hard to tell, and this sense of mystery has served her well before, but never quite in such an accessible context. In effect, this is Liz Harris relying solely on her songwriting ability, which we can say with great certainty now is excellent. The result is a dark, addictive, intriguing single that is very tangible, what was hinted at on Dragging a Dead Deer Up a Hill, which never quite reached the bare bones nature of "False Horizon."
The other single here, "This is How We See in the Dark" by newcomers City Center, is also significant. The band, a duo of Brooklyn natives Ryan Howard and Fred Thomas, make experimental folk music in the same way as Grouper, but with a more eclectic sonic palette. This is mostly to their advantage, and many of their songs are sonically standout as well as charmingly melodic, but they don't have the sticking power that Grouper's music does. But if they have more songs like "This is How We See in the Dark" in store, then they are a band that we would be best to trace the progress of. The song sounds a bit like a warped carnival song, but with more melancholy than creepiness. In a few instances, the group's experimental sound encroaches on the body of the song, but not without purpose. The hazy, contorted melody is about as memorable as "False Horizon," and in the end both songs are good.
Although both sides of this single are quality songs, "False Horizon" really steals the show here, the reason being that Liz Harris commands attention with every release she makes and is by this time a reliable guru of her craft. The quality of her music has increased on an exponential curve, and she shows no sign of slowing down. With all due respect to City Center, this is really Grouper's triumph. The release's biggest problem is undoubtedly availability. The single is limited to self-released limited edition appropriately colored "dirty water gray" vinyl only, which is now out of stock, so acquiring these songs means either doing it illegally or hunting down and shelling out a high price for the vinyl, which is frustrating. But until the day when these songs are (hopefully) released on CD or through iTunes like the Inca Ore / Grouper split was, or the possibility that they will be released on forthcoming albums is fruitful, these excellent singles will be heard by few. The Split album with Inca Ore showed promise that Harris was capable of something outstanding. She delivered on that promise with Dragging a Dead Deer Up a Hill. We can be hopeful that history will repeat itself and Grouper will release yet another masterpiece.
Shugo Tokumaru – Night PieceFebruary 27, 2009
Miles Davis once said, "Don't play what's there – play what's not there." Shugo Tokumaru's debut album Night Piece seems to do just this, perhaps not in the exact way that Davis described his musical philosophy, but much like a wood block painting where musical subtleties are outlined by vast expanses of empty space that jut off into infinity. Tokumaru's lean, twenty five minute micro-music album, however, is quite finite at first listen. It seems to be over as soon as it starts, and just a few listens reveal just about everything the album has to offer. Why, then, does it demand the close attention and repeated listens that it does? Night Piece reaches a sort of equilibrium where sweet melodies and subtle irregularities balance each other out. For this reason, the album is completely engaging and ambitious, but simultaneously warm and comforting. The humble melodies are often left bare and full, so that each pluck fills the massive space it inhabits and each rhythm takes confident control. It is difficult to describe the simple command that the album has, but once it hooks you it doesn't let go. Every song is a musical haiku, completely satisfied with its own simple beauty. Once you get comfortable with Night Piece, it might as well blanket your thoughts and really just make you extremely HAPPY for an indefinite number of plays.
Akron/Family – Akron/FamilyFebruary 22, 2009
One of the most representative artists in the neo freak folk movement was Brooklyn based Akron/Family, and their self titled debut is one of the most memorable folk albums of its time. The concept is straightforward. Accompany simple campfire melodies (some of the best melodies on record, as it happened), with sharp contrasts in electronics and production. The results are intriguing; the often bizarre idiosyncrasies make the songs distinctive and memorable, yet still warm and comforting. From the R2D2 bleeps and bloops of the opening "Before And Again," to the lush synthesizers in "I'll Be On The Water," through the splashes of reverberation and recorded natural sounds on "Afford," all the way to the crooked horns and vocals on "Franny/You're Human," Akron/Family is loaded with highlights that feel like fragments of great folklore with surreal modern contexts. Although quite strange, an album as warm and intimate as this is a rarity.
2. Grouper – Dragging a Dead Deer Up a HillDecember 31, 2008
Portland Oregon's Liz Harris, otherwise known as Grouper, has moved toward a more melodic sound with Dragging a Dead Deer Up a Hill. She has transformed from a studio hermit who crafts ambient slowcore to a troubador who crafts folk music, and the cloud of ambiance that she created to hang over her head has simply followed her. Her earliest albums, Way Their Crept and Wide, were notable ambient experiments and hinted at real melodic talent, but Dead Deer fleshes out these promises. The listener watches from a box seat in an otherwise empty theater as Harris weaves an intricate story through music. The result is an album that is at once haunting and beautiful, answers questions that her earlier albums posed, and raises even more. The first of which will undoubtedly be, "what is she saying?" The lyrics on Dead Deer are nearly unintelligible, but here they break through the fog more often than on previous works. The music mostly consists of simple guitar and vocal melodies, produced in a very full way. This formula, without much change, should have made for an extremely boring album, and at first that was what it seemed like to me. But I came back to this album, and not because anyone told me to. It has an eerie gravity due in part to it's obscurity. Dead Deer is structured as a musical narrative that we want to materialize into something we can fully understand, but it always floats just out of reach. The understandable lyrical content in conjunction with the song titles can be vaguely but not completely understood; the narrator has a fascination with water, sleep, and dissociation from reality. The mood is melancholy throughout, but Harris' melodic talent as well as careful attention to dynamics and slight variations make for utterly gripping pieces that demand further attention. After repeated listens, each song becomes individual and creates its own world. Songs match their titles. The album's two instrumentals (although they do have bits of vocal ambiance in them), Wind and Snow and Tidal Wave, replicate desolate loneliness and a swirling wall of sound respectively. The longest song on the album, Stuck, flounders hopelessly like a fish out of water and can't seem to find a chorus, verse, or bridge. Invisible sounds like a children's song with a dark, unidentifiable twist. And I'm Dragging a Dead Deer Up a Hill, which acts as the centerpiece of the album, creates an aural representation of what dragging said deer (be it literal or metaphorical) up a hill would feel like. The emotional experience is very double edged, and thus that much more intriguing. It is both comforting and haunting, and it traces a path that seems to be close to the human condition. Liz Harris has tapped into something mysterious with Dragging a Dead Deer Up a Hill, and I wonder if she knows exactly what it is. Regardless of whether she does, Dead Deer is a masterwork that is a result of astounding musicianship, and a sign of more great things to come.
6. Fleet Foxes – Fleet FoxesDecember 25, 2008
When I was thinking about what I could send my aunt in Kansas from college, I immediately thought of the Fleet Foxes album. There was something so utterly appropriate about the idea. I thought of visiting my aunt in Kansas, the gardens, plains, the ocean of trees, the wedding, the bag of helicopter maple seeds that she said was the grooviest gift my uncle had ever given to her, the abandoned watertower from which they were let loose, my uncle's armory (yes, he makes armor), and times when distance between us was not so great. Fleet Foxes seemed to encompass all of this perfectly. So I walked out of my room, down the stairs, out the front door of my dorm, and twenty feet to the Starbucks across the street. I'll admit, a transnational corporation with as much power and reach as Starbucks contrasts with the quaint, homely sounds of Fleet Foxes, but at the very least they are both "syrupy," and they were selling hard copies of the album at the register. I have heard the entire album played all the way through several times while studying in Starbucks. My Starbucks is nice. It is the highest grossing Starbucks on the East coast, and yet it somehow manages to be the warmest and comfiest Starbucks I have been in. I study there often. My aunt, who is going to college in Kansas to become a teacher, is also a coffee house studier. Granted, hers sounds much cooler, but I feel like when I'm sitting in that Starbucks, studying and listening to Fleet Foxes, I am suddenly much closer to her. Listening to these songs is like taking a time machine to a simpler time and place. The past, present and future seem to be in harmony with one another. Fleet Foxes are quite a young band with much promise, and listening to their individual breed of ancient sounding sunny folk music is like watching a seed bud and grow into the oldest in the land in the span of one album. These songs seem to speak of legends passed through generations, the details of which have been shaped over time. Vocalist Robin Pecknold seems to need to repeat his words in each song, to sort through everything that has happened with as many smiles as tears. When I listen to this album in Starbucks, which happens frequently, I am keenly aware of the seasons outside and how my aunt in Kansas is going through the same changes and has been in the same place as I was at some point, and will be again soon enough. It's not that I feel as if I am somewhere else, and I'm sure she still feels like she is in Kansas when she listens to it, but I feel at ease with where I am, which is an emotion far too many people, including myself, have forgotten.


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Thursday Night quotes
Patrick on St. Christopher: "St. Christopher got a lot of the jobs no one else wanted. He was patron saint of Travelers, Policemen, giraffes on ladders . . . "
This one is from Collins on the recent story about a teacher fired for Wizardry after performing a magic trick: "Only Charlie Daniels can save us!"


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Alternative funding options for your gym, if your customers pay you via card terminals. A Business Cash Advance is a good fit. This product fits perfectly with your Gym business model. Seeing that many traditional lenders such as the bank see much of the gym or fitness sector as high risk. Business funding can be hard to come by through these traditional methods. Here is a funding solution for your gym that can be in place within 48 hours. It delivers a cash sum based on future card sales, generally up to a month's revenue. A merchant cash advance for your gym business could be a perfect fit!
Gym Business Loan
Over the last few years and influx of alternative business cash advance lenders have entered the market with a different approach to the way their underwriting process works. Instead of looking for business plans and a long established trading history. Lenders are now they looking for businesses that have the ability to generate healthy revenues and maintain growth. To qualify for business cash funding you only have to be trading for a 6 months, and take a minimum of £5,000 in monthly sales.
Whether you are looking to;
- Purchase new equipment
- Employ new staff
- Open up a new location
- Marketing campaigns
- Ease cash flow
PDQ cash advances support your gym business with the alternative funding options it needs for growth.
Due to funds being unrestricted. The requested working capital can go towards any business expenditure, or even to ease cash flow problems over tricky periods.
The application process is very simple, and funding can be in your bank account within 48 hours. Unlike traditional bank loans where bricks and mortar are used to secure the loan, there are no fixed charges put over assets. No Personal guarantor are needed be to signed by shareholders or directors.
Merchant Cash Advance for your Health Club
Any cash sales that are made by your health club are not taken into account only card receipts through your businesses PDQ card terminal with a merchant cash advance. Nothing changes for you and your card payment receipts will be with you in a couple of days as normal. In some cases PDQ Funding have funded health clubs in the same day. The application process is so easy and quick. The underwriting team offers you the decision usually within an hour of receiving your information. A merchant cash advance for your gym is so much quicker and less hassle to obtain finance than traditional gym business loans!
So whether you are raising finance to buy new gym equipment. Looking for funding to help assist with a marketing campaign or refurbishment you can grow your gym and fitness centre with a merchant cash advance.
Business Cash Advance Eligibility For Gyms
Any gym business that uses a card terminal machine (also known as a PDQ or Chip and Pin machine) to process customer sales, in theory could be eligible for a business cash advance. If you can demonstrate a consistent level of monthly cash inflow, usually 6 months of card payment statements will suffice. Businesses are a perfect fit for this product as they experience a high volume of monthly transactions.
There are various ways in which you could use your business cash advance, such as improvements to your gym or studio. Obtaining new gym equipment, boosting your inventory or cash flow or even managing debt payments. Whatever you need the funds for, business cash advances could be the financing tool for your business.
If you feel our alternative funding options for your gym may support your business for growth please feel fee to complete the online enquiry form.


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Everything You Need To Know About The New Surface 3
Surface 3
- Display
- Processor
- Camera
- Storage
Last week, Microsoft announced the next tablet in its Surface line-up: the Surface 3. As the blog states, Microsoft's intentions for the Surface series is to make a tablet that is versatile enough to function as a tablet and laptop PC. They came pretty close with the Surface Pro 3, and the new Surface 3 is just one step closer. But, what are the big differences between the Surface 3 and the Surface Pro 3? Is it worth upgrading from your current Surface 2? How does it compare to other major tablets like the iPad Air 2? Well, we've got the answers to those questions and more down below!
One of the biggest differences between the Surface 3 and previous Surface models is its new processor. Microsoft has ditched the Nvidia ARM processor for a new Intel processor. This means that the tablet itself runs Windows 8.1 and has a wider range of features. This was a great move on Microsoft's part considering the main point of the tablet is to replace conventional laptops. It also has a stronger battery life (about 10 hours of video streaming as opposed to 8 on the Surface Pro 3). The camera has also been upgraded from 5 MP to 8, though the front camera isn't as good at 3.5 MP. The Surface 3 also comes with microUSB port, something for Android and Windows phone users to rejoice over. A more expensive model of the Surface 3 (more on pricing below) will also include LTE connectivity.
The design for the Surface 3 is strikingly similar to the Surface Pro 3, though there are some noticeable differences. For one, the Surface 3 is a decent amount smaller than the Pro. At 10.8 inches compared to the Pro's 12 inches, the Surface 3 is still pleasantly large without being difficult to hold. The screen is still designed with 3:2 aspect ratio, so the screen quality is still beautiful and it still feels natural to use in portrait mode. In fact, the tablet pretty much looks and feels the same. The only real difference is the kickstand. Whereas the Surface Pro 3's kickstand can be adjusted up to 180 degrees, the Surface 3 only has three settings for its kickstand. It isn't a huge deal ultimately, but people who love an adjustable stand may be irked by it.
SURFACE 3 vs. iPAD AIR 2
When it comes down to it, the Surface 3 has a larger display than the iPad Air 2. That being said, the iPad Air 2 is naturally lighter than the Surface 3, though not by much. Other than that, the battery life is quite similar, as is the screen resolution. The biggest difference between the two, besides the obvious differences in operating systems, is the cost. The Surface 3 has two models: one with 64 GB of internal memory and 2 GB of RAM for $499, and the other has 128 GB of internal memory, 4 GB of RAM, and LTE connectivity for $599. The 64 GB iPad Air 2 comes in at $599, which makes the Surface 3 the cheaper option. Keep in mind, though, that the essential Surface type cover is a separate cost of $130, which evens it out to be about the same.
The Surface 3 is going to be a great tablet for the general consumer. It doesn't have the burdensome price of the Pro 3 (currently retailed at $799.99), and it also comes with full Windows 8.1 access. It doesn't blow the iPad Air 2 out of the water, though it gives it some stiff competition. Ultimately, if you want a solid tablet that runs Windows and Office without breaking the bank, the Surface 3 is the perfect option.


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- For other uses, see Bonaventure.
The USS Bonaventure was a Federation starship in service to Starfleet in the mid-24th century.
The Bonaventure was one of the first assignments for Ensign Joseph Shabalala, and where he first befriended Lieutenant Simon. (DS9 - The Brave and the Bold, Book One novella: The Second Artifact)
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My Blog
January, coming in like a LION!
January is typically our coldest month….but when I say that I mean a couple nights of 30 degrees or so and then usually low to mid 40's at night and mid 50's low 60's in the day.
But NOT SO this year! We had some pretty cold days in December and way too many cold days so far in January. We've already had several nights of below freezing temps and supposed to get some more this week. We've also continued this weird streak of A LOT OF RAIN!!
I really shouldn"t complain…….I just talked to one of my customers and its supposed to be 9 degrees tonight where he lives.
But…………………I'm ready for spring!
Check out our weather for the week:
We've had a pretty active January so far……….despite the weather!
8 properties put under contract in Mexico Beach in January so far (two of those already closing). Nine more properties closing. Click here to see what folks are buying in Mexico Beach/St. Joe Beach.
The interesting part is because our inventory is so low buyers are looking at properties now they would not have considered before. But when pickin's are slim and you desparately want a slice of paradise……………….you have to raise your budget sometimes or be willing to concede a few things.
It's been equally busy out at the Cape! Nine properties put under contract and 12 closings!
Click here to see what people are buying at the Cape!
Real Estate 101
I continue to get calls from buyers who aren't quite sure of the process of looking for property, so I'm going to just give a brief class on the basic points of real estate in my next few blogs!!
The first step of beginning the search for real estate is in my opinion……find a good Realtor! (I'm available!) I'm going to assume you've already narrowed down the area to Mexico Beach to Cape San Blas, since you are reading my blog!
Give your parameters, including price point and criteria, and then let ME send you properties that meet your criteria (or at least most of your criteria!). Most of the time this will give you a good idea as to whether there is something here for you or not. Sometimes I'll get a buyer who says " I'm a cash buyer for a house at $50,000 as close to the beach as possible". Well, there's no need either of us wasting our time………..we just don't have anything like that here. I'll let you down as easily as possible but If your criteria is realistic I will continue to send you properties!!!
The next step will require you to get pre-approval from a lender to make sure you can afford what you want!!! A pre-approval doesn't obligate you or the lender it just gives you a level of confidence that you can qualify for a loan!!! This is super important when you are ready to make an offer!!!
If you have already been looking and you know you are ready to buy as soon as you find that right property, Quicken loans is offering a program where they basically qualify you completely so you can make a very strong offer….they basically go through the financing process with you BEFORE you make the offer so you know for sure the loan will go through…its almost as good as making a cash offer!
Once you find a Realtor you like and feel comfortable with, one who is knowledgable and trustworthy (like ME!) then even if you find properties on your own….let her/him know. Let her/him do the legwork. Don't call the Realtor on the sign and make an appointment to see it and then contact your Realtor. Let your Realtor call and make the appointment. We can show ANY property…so let us do the work!!!!!
The next step is looking!!!
The next class will be next week!!!! If you have a question you'd like me to answer about the basics of real estate email me and I'll answer it in my next blog. If you have a question you can rest assured other people have the same one!!!
I appreciate you taking the time to read my blog!
Talk to you next week!
God will not fail you. He knows what you need.
"Trust in the LORD with all thine heart; and lean not unto thine own understanding."
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Himalaya Gentle Daily Care Protein Shampoo Cleans Gently Nourishes Hair 100 ml
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Protein Shampoo extra moisturizing
Bid adieu to all your hair worries like dryness, hair fall, dandruff and other hair damage due to several everyday reasons that are unavoidable. Here is a Protein Shampoo to provide extra intense moisturization to your scalp and hair. Hair is a delicate part of our body and thus need to be fed proper moisture and essential nutrients everyday in order to restore its smoothness. This protein shampoo with extra moisturizer will prove to be the best shampoo out of all those you have already tried. It is enriched with exclusive pure ingredients like Fenugreek, Sesame, Netted Melon, Aloe Vera, Palandu, Methi and Tila. This Herbal Protein Shampoo works wonders in treating the problems associated with hair and scalp as it is also paraben free.
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5) Contains pure extracts of herbs that are enriched with protein.
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10) Has a long shelf life.
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What's in a name?
That question came to mind during a recent conversation with Martin Pearlman, music director of Boston Baroque. The subject was Handel's "Gloria," a cantata for solo soprano and strings that had sat for years, unattributed, in a library at the Royal Academy of Music in London. It had been included in a manuscript volume that contained music by Handel and other composers, and since the piece didn't have his name on it, "no one paid much attention to it," Pearlman said by phone.
That changed in 2001, when a German musicologist established conclusively that the piece was in fact a Handel composition, likely written early in the composer's career. Suddenly the world seemed intent on identifying signs of the young composer's genius, and performances and recordings quickly followed.
All of which is interesting because, as Pearlman said, "the piece is just as good as it was before. But suddenly, with the name of Handel on it, people pay attention to it. They want to hear it, and they play it."
Though new to the repertoire, the "Gloria" has in a short time become something of a favorite for Boston Baroque. The ensemble gave what Pearlman believes are the first local performances of the piece in February and March 2002, and subsequently played it on tour in Puerto Rico in 2009 and again in Boston in 2011. Now Pearlman is returning to it for Boston Baroque's annual New Year's concerts on Dec. 31 and Jan. 1, where it shares a program with two chestnuts: Bach's First Brandenburg Concerto and the F-major Suite from Handel's "Water Music."
It's the quicksilver intensity of the music that both tips off a listener to the composer's authorship and makes it appropriate for the occasion, Pearlman explained. "It's got that brilliant quality that fits our New Year's program. There are a lot of Handelian touches, in cadences and things like that. But also, there's just a brightness and brilliance that are really rare among many other composers."
The same works, albeit with a slightly shortened version of the "Water Music," are on the ensemble's fifth annual free community concert at the Strand Theatre in Dorchester, on Dec. 30. That series connects the ensemble to a different but no less attentive audience than the ones that attend the gala performances at Sanders.
"I think I can speak for everybody that we love it," Pearlman said of the community concerts. "It's certainly less formal, and there's a lot of kids and families in the audience. You just feel like you're bringing music to people who haven't been able to go to our other concerts. [But] you don't in any sense feel like you play down to people. We play our music, we talk about it, try to engage people as I do in any concert. And we get a wonderful reaction."
Those events can also provide even veteran musicians like Boston Baroque's of why they do what they do. Pearlman reported that one of the ensemble's bass players was leaving the Strand when a police officer spotted her with her instrument and asked if she'd just played a concert there. She replied that she had.
"'I heard one like that when I was a kid and it changed my life,'" the policeman responded.
"It really is very inspiring," Pearlman added. "Those kinds of things really speak to you."
Boston Baroque At Sanders Theatre, Cambridge, Dec. 31 and Jan. 1. Tickets: $25-90. 617-987-8600, www.bostonbaroque.org
Eminent local releases from 2017
As the year comes to a close, here are a few releases by local musicians that should not go unnoted.
Chaya Czernowin, "Hidden"
JACK Quartet and others (Wergo)
The Harvard-based composer creates uncompromising music built of disruptive gestures and alien sounds. The 43-minute title piece on this release deploys a live string quartet and electronics to create a sense of depth and dimensionality that's almost physically palpable. It's not an easy listen, like all of Czernowin's music, but its interior drama makes it gripping nonetheless.
David Del Tredici, "Child Alice"
Boston Modern Orchestra Project/Gil Rose (BMOP/sound)
Last year, the new-music orchestra gave the first complete performance in three decades of Del Tredici's sprawling Lewis Carroll-inspired work, part of which won the Pulitzer Prize for music. The recording captures the sheer audacity of the composer's conception: an explosion of tonality that seems to reach for ever more ecstatic heights, yet also carries undercurrents of nostalgia and lost innocence.
Beethoven, Sonatas for Fortepiano and Violin, Volume 3
Ian Watson and Susanna Ogata (Coro)
Is there room for another set of recordings of Beethoven's Op. 30 violin sonatas? Certainly, when performed with the buoyancy and rhythmic acuity with which violinist Ogata and keyboardist Watson, both of the Handel and Haydn Society, infuse them. The drama underpinning the C-minor Sonata and the effortless charm of the A-major make clear that there is a true communicative spirit at work between these two superb musicians.
David Weininger can be reached at firstname.lastname@example.com. Follow him on Twitter @davidgweininger.


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Music Best streaming services such as Gaana Play Music and Sound cloud were shaken away as Spotify Music entered the scene and easily became the most popular and music streaming service available online. Spotify has Multiple versions one is the free version, which lets you stream any song but comes with ads and a set of restrictions which can be removed in the premium version of Spotify. this post, you will find how to download Spotify APK Premium Mod for free.
If you are love music but have not found the best music app, let trendingss give you a hint. Spotify Music (MOD Premium) is the No.1 music streaming platform with a huge number of users. According to statistics in 2015, the application has reached the milestone of 70 million users (including 19 million paid users), an impressive number. What made Spotify Music the best of music streaming platform today?
Unlimited Downloads
The most highlighting feature of the Spotify premium is the ability to get an unlimited download of your favorite songs. this is not available in the standard version of the Spotify app, nothing matter how big your playlist is, 1000 songs or even 100k; with Spotify premium, you're covered with the Unlimited downloads.
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Spotify premium version makes sure you have a completely ad-free experience. Because the Spotify app assumes here in this modded premium version that you're using the Spotify premium variant and will immediately remove all ads.
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This one is a major benefit of this Premium users enjoy, and it is the sheer amount of difference in best Audio quality that comes with Spotify Premium. The premium version comes with a 320kbs bit rate, while the normal one that you get in the free version is just 96kbps.
Download Spotify Premium APK (Android)
- Size 26.11MB
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- first Downloading the Spotify APK Premium Mod file from the link
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- It will ask you to your account, enter the valid details
- And that's it you're done, all the Premium features will be available for you as soon as you create the account


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Skilled Lookouts
No.129 熟練見張員
|Refittable Class
|Coastal Defense Ship
|Light Cruiser
|Torpedo Cruiser
|Heavy Cruiser
|Training Cruiser
|Aviation Cruiser
|Fast Battleship
|Aviation Battleship
|Light Carrier
|Standard Aircraft Carrier
|Armored Carrier
|Seaplane Tender
|Aircraft Carrying Submarine
|Submarine Tender
|Fleet Oiler
|Repair Ship
|Amphibious Assault Ship
Skilled lookouts can be deployed on surface warships. Using their skilled naked eyes, they can largely contribute in scouting the enemy depending on the situation and before the advent of enemy radars, can spot for targets especially during night battles.
- January 2015 Ranking Reward for Top 5, 20, and 100.
- Was obtainable via a Hishimochi 2015 mini-event quest.
- Fall 2015 Event E-1 Hard reward.
Increases cut-in base rate by 5 for the ship it's equipped on during night battle; unlike Star Shells or Searchlights it does not affect other ships in your fleet.The visual effect of the equipment can be seen here. You see a sparkle at the corner of the ship's image right before the cut-in animation.
A crow's nest is a structure in the upper part of the main mast of a ship or a structure that is used as a lookout point. This position ensured the best view for lookouts to spot approaching hazards, other ships or land. It was the best device for this purpose until the invention of radar.
The IJN took great pains to maximize the capabilities of their lookouts, who were carefully selected for their superior night vision, supplied with enormous pedestal-mounted binoculars and trained to cover their eyes whenever their ships' guns were about to fire (as signaled by a double buzzer). Japanese ships always fired in salvo rather than continuous fire at night to ensure that lookouts could protect their night vision and the Japanese put considerable effort into developing flashless powder that both protected their lookouts' night vision and made the flashes harder for an enemy to detect and get a fix on.


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On this page:
Definition of the adjective 4-membered
What does 4-membered mean as an attribute of a noun?
- of a chemical compound having a ring with four members
- synonym of 4-membered: four-membered
- similar: membered
Printed dictionaries and other books with definitions for 4-Membered
Click on a title to look inside that book (if available):
A Dictionary of Chemistry (2016)
by Richard Rennie, Jonathan Law
For example, 4-membered rings have ete for unsaturated rings and etane for saturated; 5-membered rings have ole for unsaturated and olane for saturated compounds. Rules are given for naming compounds with two or more different hetero ...
Encyclopedia of Supramolecular Chemistry (2004)
by J. L. Atwood, Jonathan W. Steed
is a 16-hedron built by two 4-membered rings, eight 5- membered rings, two 6-membered rings and four 8-membered rings. (From Refs. [3,4].) ...
Dictionary of Organophosphorus Compounds (1987)
by R. Edmundson
4-membered. -. 1. P-contg. ring;. 5- membered.
Dictionary of Alkaloids, Second Edition with CD-ROM (2010)
by John Buckingham, Keith H. Baggaley, Andrew D. Roberts, Laszlo F. Szabo
Bukittinggine, Calydaphninone, containing a unique 4-membered ring), it is best to browse the individual entries or to consult the reviews listed ...
Online dictionaries and encyclopedias with entries for 4-Membered
Click on a label to prioritize search results according to that topic:
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Go to the usage examples of 4-Membered to see it in context!


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For help, please check the Ring Size Guide
This stunning men's sterling silver pattern wedding is 7mm in width, flat shape (flat on top and bottom), has fine intricate V shaped grooves circling the band with satin finish and polish surface on either side of band. The band weighs around 4.60 grams. The ring comes with a ring box.


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StrandVision Supports International Languages
StrandVision Digital Signage has announced support for international language character sets on its Digital Signage playback and accompanying Web setup area that customers use to develop their signage pages. The expanded language support uses Universal Character Set Transformation Format — 8-bit (UTF-8), the dominant character encoding for database-oriented systems and the World Wide Web.
The capability enables StrandVision's international customers to use their native language keyboards just as they do when they type information into Web pages, as well as for English speaking customers to provide marketing or employee communication information in the languages used by their visitors and staff. The StrandVision web server automatically recognizes and adapts the keyboard language to the UTF-8 standard and presents the correct characters on all of the customer's digital signage screens.
StrandVision Digital Signage offers a free digital signage software trial account. Put StrandVision's experience to work for your business today with a free digital signage software subscription or calling 715-235-SIGN (7446).
Interactive Digital Signage and the Growth of the Market
Interactivity has been the buzz in digital signage for a while, so why is there not more of it out there in the real world? It's out there– but we're living in an odd world where 1) there is still a lack of understanding in the market about what touch technologies are required to interactive, and 2) digital signage now must compete with that other, hyper-interactive technology– the smartphone in most everyone's hands.
Even as the larger ad/marketing world heads, guns blazing, down new paths like new-gen QR codes and designing content that is mobile-friendly so the use of the digital display doesn't stop and the physical display, we still need to get back to basics in interactive digital signage. Interactive on the big screen is a different ball game than the thousands of apps being pushed on the smartphone user. Interactive digital signage is about the provider controlling the experience, not the consumer. But you need to understand the technical dynamics of new interactive and touch screen technology.
To read more visit: http://www.avnetwork.com/digital-signage/0003/interactive-digital-signage-and-the-growth-of-the-market/89978


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So I received in the mail yesterday two books to review:
- Horsing Around by Beverley Heselton
- An Eventful Life: Life Stories of Eventing Champions by Alison Duthie
Keep an eye out for reviews of these on Equus-Blog in the near future!
I'm also in the process of reading Elyne Mitchell: A Daughter Remembers, so that one should be added to the list of book reviews already done in the not too distant future – watch this space! 🙂
"As old wood is best to burn; old horses to ride; old books to read; old wine to drink; so are old friends most trysty to use." – Leonard Wright


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Date(s) - 12/20/2014
9:00 pm - 11:00 pm
Third Street Theater at Phoenix Center for the Arts
Friday and Saturday, December 19-20
Doors at 8pm, Show starts at 9pm
For 2 Nights Only Scandalesque Presents…"Decade of Glitz"!
Not only is it a time to celebrate the holidays, but this special performance will also commemorate Scandalesque's ten-year anniversary of sharing the art of burlesque dance in Phoenix. Join us for a Sexy Holiday Burlesque & Variety Show with over the top comedy, bedazzling dance and spectacular aerial performances.
Tickets: Balcony $20, General $30, VIP $50 Show is 18 and over, Bar with ID.
More info: www.scandalesque.com
Buy tickets to December 19 Show
December 19 – Balcony Seating $20
December 19 – General Admission Floor Seating $30
December 19 – VIP Seating SOLD OUT
Buy tickets to December 20 Show
December 20 – Balcony Seating $20
December 20 – General Admission Floor Seating $30
December 20 – VIP Seating SOLD OUT


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14+ motivationsschreiben beispiel praktikum
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Composing effective covering letters might not be your very best skills. A letter of absence has to explain the most important reason for being absent in addition to specify when the worker is called to return. Writing an official correspondence is often believed to be an intimidating task by individuals. Last, you must keep in mind that writing an official letter isn't hard if you know and adhere to the basic rules and the format of this letter. Thus, it's crucial to comprehend how to write a formal letter effectively. If you do choose to compose your own sales letter, bear in mind there are some templates available to guide you online.
The letter should be well prepared and sent that the moment the worker or student knows the duty to maintain court. In short, it has to be well-thought and carefully written. In conclusion, the letter must contain information about who you are, what is your connection with the concerned person, duration of your relation, what you learn more about the fees levied and your comprehension of the personality of the person. Ensure you clearly define the most important reason to be absent, therefore the recipient of this correspondence knows of your own circumstance. You're ready to personalize the cover letter depending on your requirement. Before your resume, it is the cover letter that is going to be seen and that's why it needs to be written with utmost caution. A well drafted cover letter may raise your probability of receiving an interview with a business.
In case of such a measure, it is essential to send a cover letter together with the resume. A cover letter is essential when applying for employment. It's essentially a preface to your resume and it gives you the ability to attract the attention of an employer to your qualities, skills, and techniques.
Discovering the norms and policies of an organization is extremely crucial for each and every worker who works there. The company should know exactly why you believe you're unable to operate on your position for a time period. Any employer may opt to send a conditional letter of employment into a brand-new hire in almost any business, but it's very prevalent in the public sector. Leave without pay is a choice that's made by the employer or the worker in situations where the worker needs to be away from his job and will not be reimbursed.
You may document the letter through the concerned lawyer, who will also help you with drafting. The letter must have a tone of admiration, and have to be clear and concise. Given below are a few suggestions that will assist you when you need to write a warning hint. It's always recommended to write a letter on your own, instead of using templates, which may or may not fit your standards. The program letter (sometimes, known as application) should be written in such a manner it covers each of the areas, a possible employer is searching for. Generally , character reference letters are intended for supporting the positive aspects of an individual, and are often employed for job purposes.
In case the sender's address isn't cited on top, it can be included under the touch. The contact info is the first section of a cover letter, and contains your contact information, in order to make it to be easy for your employer to get in contact with you, if need be. An excessive amount of info becomes confusing. At length, you can harm yourself if you give an inordinate amount of information in your protest.
The purpose of a memo would be normally to share information in a office. The following are a couple strategies and tips that can help you write a character recommendation letter for court. Always make sure that you thank the person you are addressing in the conclusion of the letter. The remaining part of this letter format is comparable to that mentioned previously. Write the exact length of time you are requesting unpaid leave. Always find out more about the company that you're applying to and also make sure that the kind of work they do is something that you want to find out more about.
Finding out how to compose a cover letter for a resume is very simple, whatever the job which you are applying for. It is not perfect that you continue and on about your knowledge in a note. In case you have some work experience as an office assistant, then it is going to be difficult for you to locate work at the business.
A great deal of people lose because they do not maintain a cautious personal record. Again, another set of eyes reviewing your submission can help save you from overlooking important details. There are a lot of elements to a thriving industrial training application letter. An inordinate quantity of information becomes confusing. Ultimately, you can hurt yourself if you devote an excessive quantity of information on your protest. Using a to-do list can help to remind you of what ought to be achieved.
State why you'd like to turn into a nurse. Your doctor is going to be able to assist you manage your pain if they can find a feeling of what you are going through. Candidates must likewise have the ability to prioritize projects with minimum supervision and meet tight deadlines. Furthermore, candidates appearing to start a career in healthcare marketing can complete internships with a health care business to raise their probability of getting an entry-level full-time position. Job prospects are beneficial for those who have solid technical skills and relevant work experience.
Whether you're prepared to put in the area or are already used as a RN, you will find steps to take to give assist. Generally speaking labour, it's important to tailor your goal to the position you want. Concentrate on why you'd be an advantage to the company, business, organization or clinic you want to intern at. A private business provider might also use a liaison officer to market and increase its public image. Health and health care templates in in case you do not find an openoffice template layout or class that. By way of instance, there's a specific space for composing aJr.a.
Organize your ideas and make sure your letter is nicely organized. The letter should specify any work-related restrictions linked to a health care condition, in case the reason for your leave was health-related. A standard small business letter is composed of an introductory paragraph, followed by a few paragraphs about the subject of your recommendation.
You do not know anything about the folks which are reading your personal statement. It is risky to plagiarize a statement online, or employ a person to write the whole statement for you. So that you know you need to compose the strongest, most persuasive personal statement you're in a position to. You may also employ a individual to write a personal statement for you. Like every well-written tale, your personal goal statement must tie the limit to the start.
If you are looking for reinstatement because of a situation that's your fault, explain how you have remedied the scenario. In order to acquire an internship, then you may be asked to write an article with your application. The very first step of writing an wonderful reflective article is picking a subject, so choose wisely!
Occasionally people are dealing with various issues simultaneously without realizing it. For the motivation letter to be prosperous, it should address specific crucial issues and ought to also maintain the most suitable format. To earn a question and answer sheet, you will have to prepare your questions ahead and place them in a reasonable purchase. Use the tab key to depart an area for the student to compose their response after every query. Writing about yourself might be challenging, so begin by organizing your thoughts and record examples of your finest traits, which you may then use on your letter to produce your situation. The purpose is to allow companies know what you would love. Don't neglect to think about movies or books you may know that could provide you great thoughts.
Learn how to devote time on what is important and distinguish between important and pressing. You have to receive a new prescription each time. Shoot for greater and you'll be rewarded for your challenging work. If you're applying for work in construction with a family-owned business, you may want to concentrate on that on your goal, indicating that you're prepared to make a private investment in assisting a little organization grow and thrive. When you write a resume for work, you comprise what occupation you wish to acquire. If you are tailoring your resume to a specific project, your very first section could be tagged Objective" and highlight your distinctive job goal.
Time management is the capability to organize your time effectively in order to become more productive. Nurse managers play a vital role in medical care. The company affairs manager has an important part in the communications inside and beyond the provider. At the same time, the corporate affairs manager is astutely aware of their company's pricing policies and how that they influence sales. A health assistant at an orthopedic office should have knowledge of musculoskeletal systems since that's the significant focus of an orthopedist. In some centres, the manager is also teaches a specific number of hours every day or week for some of the standard schedule. Directors are accountable for overseeing the curriculum employed in the middle.


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|The Barefoot Investor
The Barefoot Investor
Scott Pape
The Barefoot Investor makes finance fun.
The first edition of The Barefoot Investor was an enormous success and received wide media acclaim. In response to continuing interest this invaluable guide has been comprehensively revised and updated.
By following the Barefoot Plan you can make money work for you. The five Barefoot steps show you: how to save it, invest it and let it do the hard work for you so you can tread your own path.
As Scott Pape says 'This step-by-step plan requires very little willpower, zero interest in money and less than one hour a year to maintain.'
In this revised edition Scott also answers some of questions he is most often asked, such as:
How do I get started in sorting my finances?
I have more bills than bucks - what should I do?
How much is your car really costing you?
Should I rent or buy?
The Barefoot Investor shows how getting your financial act together can be downright sexy, allowing you to achieve the things that mean the most to you - regardless of your income.
From being a stockbroker and hosting a finance show on student radio young author Scott Pape is now an acclaimed media commentator on financial matters with weekly columns in the Saturday Herald Sun, Hobart's Mercury and also Brisbane's The Courier Mail. He appears regularly on television and radio.
Buy Now for $25.95 plus $2.00 postage.
ISBN 978 09802924 73 $25.95 October release
|Site Copyright © 2004 Pluto Press Australia ABN 71 071 248 041
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After Sunday's nude session I was both eager and anxious about sharing the results with my friend and mentor down the hall. He's been a great teacher who has made it a habit to share his positive thoughts before sprinkling in any much appreciated criticism. I say "appreciated" because if it were not for those much feared critiques. I would have never grown or learned to improve on the things that have been holding me back. Imagine the combination of relief and glee I felt when he remarked how good the pictures from that session were and why. Going as far as saying that this was the best work I've done to date. Declaring that, as I move forward. This should be my portfolio. That school was out and I had graduated. The End.
Tag: Breasts
A Playful Moment.
I had so much fun shooting with Gia yesterday. Her laughter, smile and those incredibly expressive eyes. In the days leading up to our session. She sent me a couple of pictures of models dressed in flowing raps. (Imagine saffron robes blowing in the sahara winds.) While she never managed to track down the material. The idea stayed fresh even as we had begun our shoot. When it came time to change into the next outfit. She asked if I had any sheets we could use as a substitute. Thinking on my feet. I decided to use on of my photo backgrounds instead. Wrapping it around her upper . I had her friend hold the the ends. Creating somewhat of a loving tug of war. Notice the smile and the playful exchange she's having.
Gut Reaction
Over the Summer I began to really kick up my game when it came to better marketing myself. I worked on my resume, checked listings daily and regularly updated my website with new images. Within a matter of weeks my work began to pay off as freelance opportunities and contract work began to come my way. I was doing the kind of work I hadn't done in years, while engaging in new opportunities. During that time a few offers came my way that would provide steady work and income in the future. One particular opportunity was working as a freelance photographer at a nearby studio two to three days a week.
As the week before the interview progressed we kept in touch via emails and phone calls. I did my share of research on the company and felt pretty good about the opportunity that was being presented. When I was asked to bring a portfolio and my camera. I realized the only printed work I had available was my Boudoir Portfolio. When I asked about it, the woman on the phone seemed to stumble over her words. "Um, I don't know." "That's not what we do here." "I have to….. ask… the director." I informed her that I had a website that would perfectly highlight that side of my work or I could quickly whip up a digital port worth presenting. Still, she stumbled. For some stupid reason I felt bad. That my recent work was being deemed dirty by someone I had never met might seem silly now. Yet, at the time, I felt as if I was being looked at as some deviant smut peddler who hides his portfolio behind some oversized rain coat. A couple of days past and I got the call that the interview was set and they were looking forward to meeting me. I was relieved. I was ready.
Though the studio I'd be working out of was about forty five minutes from me in nearby East Brunswick. The interview was set up at the companies main office in Connecticut. So in the days prior to my appointment, my wife and I planned our day around the interview. As I entered the building I was impressed with the stone walls and lofty ceilings. As I sat there waiting to be called I eyed the modeling pictures on the wall. The lighting, the style, the models. All standard, but nothing all that inspiring. Then I began to notice the clientele coming in and out of the offices and studio. It immediately reminded me of all the scams you see where some company promises the world and all it's riches to a naive family who's convinced their child could be the next… insert child star name here _____________________. I decided to stay, listen, ask questions and make an informed decision after everything was done.
As I was ushered in by the attractive secretary and introduced to the my interviewer, the douche chills immediately began to build. Dressed in black from head to toe with slicked back, black hair with enough product in it to supply an entire city block. He spoke quickly in a thick Russian accent about the shooting process. "It's not how many shoots you do in a day." "It's about the looks" "You need to shoot five looks." "See, look, look, look, look, look." "Five looks." Never once asking me questions like someone interviewing you for a position. Finally he says "You brought portfolio?" I placed it on the counter and he quickly flipped through without much eye contact. "Good, good, good." "I like." Before he asked me any questions he wanted me to shoot a client waiting in one of the studio rooms. I'm already planning my escape plan. I've always prided myself on trusting my instincts and listening intently to what my gut tells me. At the time, my gut was telling me "Scam, bam, no thank you, man."
Finally, I excused myself from his sales pitch long enough to ask a few questions of my own. Questions about the general age of the clients, the companies they work with and other general curiosities. He became even more elusive and led me towards the studio where the shooting would take place. Knowing full well that the pictures I would be taking were going to be used by the company without them ever paying me. "Thanks, but no thanks." I replied and walked out. When I met up with my wife a few minutes later I told her what had transpired. Being the amazing woman she is. She told me not to worry. "Always listen to what your heart tells you." Hopefully, the lessons I learned from this brief exchange will not soon be forgotten. 1.Trust your gut. 2. Never let anyone make you feel uncomfortable about the kind of work you do and love. 3. Never do anything you don't feel right about doing. Until the next debacle.
Beauty and the Dish
We were about a half an hour into shooting and I wasn't really happy with the results I was getting from my strip box. We took a short break as I fished for one of my umbrellas to replace it with. After a somewhat thorough search, I couldn't for the life of me, remember where I had stashed it. I looked up and there was the beauty dish that had been sitting on my Ikea Expedit unused for months. Hastily, I grabbed it and with the help of Iya, changed the light.
As I took the first few images with the Beauty Dish I immediately noticed the warm glow and how her smooth, young skin shined. I fluctuated from using the Dish as the the main and only light to using the soft box as a fill light and adjusting the amount of light coming from soft box. The results were instant. It was only the second time I've used the Beauty Dish since purchasing it back in December. I felt really comfortable using it at different distances and degrees of power. Having a patient model allowed me the time to adjust and play a bit. I was so inspired by some of the images captured that I did something I haven't done in almost ayear. I got prints made. In talking to a seasoned pro at Duggal. He gave me some useful tips to get even better results in the future. I can't wait for the opportunity to put them into play. Until then…
Show Me Your Softer Side
I had worked with Iya a number of times through the years. I'd seen many sides of her personality and beauty. Uncovered layers of her personality and character I never knew existed. All while building a level of trust and friendship that made me feel as comfortable with her as she may have become with me. So when Iya returned for from her trip to Russia I invited her over to catch up and put some of my new ideas to work.
Though I had done my share of Boudoir Photography in the past I had recently found myself engrossed in a book by author/photographer Christa Meola titled "The Art of Boudoir Photography. Within the nine chapters Meola covers a wide array of subjects including, but not limited to posing, movement, lighting and communication. All with great detail, imagery and easily understandable text.
As Iya arrived I explained my ideas and vision while expressing my hopes to show a side of Iya my camera had rarely captured. Since meeting and working with Iya I've been able to capture many of her strengths, beauty and naturally sexy look. Yet I've never been able to capture the soft and often funny side she often reveals in private. I don't specifically remember her reaction that day but I do remember the relaxed pace and approach to taking those images. Moving from the lights and backgrounds of the living rooms studio. We moved to the bedroom, relying on the soft natural light coming through the widow late in the day.
During those few hours we shot some beautiful images while capturing some very intimate and unguarded moments. It was by far the most laid back and natural session we've done together. One I'll look back on as the day I really allowed me access to Iya's softer side. Thanks Iya.
Re-learning to Light
During a winter workshop I attended in 2012. The instructor pointed out that my studio work was flat. It was an observation that, at the time, I really did not understand what she meant but took it as a negative critique of my work. A few moments later I was asked about the editing software I used. When I replied "Aperture" a gasp of shock and shame seemed to fill the room. Looking back, it was it if I was cast aside, exiled and destined to wear carry the Scarlet "A" (A for Aperture) around with me for life. Later that day a fellow attendee took me aside and suggested I move up to Lightroom 4. He used some easy to understand comparisons for me to understand. "It's like going from Atari to Xbox. He also took the time to explain lighting techniques a little deeper. Though I was a bit embarrassed by my shortcomings at the time. I was more grateful for the knowledge and learning experience.
Almost as soon as the workshop let out the day. I was off to purchase Lightroom 4 and book a few sessions in order to test my new knowledge out. I could immediately see the difference in the images I was editing in Lightroom 4, especially by making minor adjustments with the black and white levels. (not available with Aperture) Simple tweeks that made a world of difference in the images I had taken. Minor adjustments in highlights can also be noted. I could already see the depth to my older work. When my model stopped by I changed the lighting angles and worked with less light. Something that also added depth and character. I really got to understand what she meant about flat images and flat lighting. I was no longer flooding the room with light. I was using it to to highlight areas, not overwhelm them. Since learning this, I'm really seeing the light, shadows and detail of the image before I even take it. It's given me more confidence. I find myself working faster and taking fewer wasted shots. It's been a real revelation to me. One that I know will help me continue to enhance my skill and build on what I've already learned. Like Yoda said "In a dark place we find ourselves, and a little more knowledge lights our way."
Happy Returns
Since last weeks session with Denise the two of us have been in constant contact with one another about working together on other projects. Every now and then my phone lights up with an image, shortly followed by "Look at this." "I want to try this the next time we shoot." I've been really inspired these days to work with different people, try new things and experiment with different concepts and lighting. As the winter begins to thaw and signs of spring just starting to show. I feel energized and confident that I'm moving in a good direction. I'm meeting new, creative people who are open minded and love living life to the fullest. Photography, art and being a photographer allow me to communicate, create and relate on levels I would never be able to otherwise. Only the future can tell just where life takes me. For now, I'm extremely grateful to be where I am.


text: Louden Nalle, M.D. Recommend This Physician Knoxville Neonatal Associates 2018 Clinch Avenue Knoxville, TN 37916 Get Directions Phone 865.541.8141 Neonatal Intensive Care View Profile Janis Neece, Ph.D Recommend This Physician Pediatric Psychology 2100 Clinch Avenue, Medical Office Building Suite 220 Knoxville, TN 37916 Get Directions Phone 865.541.8805 Pediatric Psychology View Profile Daniel L. New, M.D. Recommend This Physician Children's Pediatric Group - Infectious Disease 2018 Clinch Avenue, South Tower, 2nd Floor Knoxville, TN 37916 Get Directions Phone 865.541.8709 Pediatric Infectious Diseases View Profile Jill McDowell Newsome, M.D. Recommend This Physician Kids Choice Pediatrics (Sevier County) 212 Phoenix Court, Suite 1 Seymour, TN 37865 Get Directions Phone 865.577.6475 Pediatricians View Profile Phillip A. Noe, NP Recommend This Physician Pediatric Pulmonology and Respiratory Care 2100 Clinch Avenue, Medical Office Staff Suite 310 Knoxville, TN 37916 Get Directions Phone 865.637.8481 Pediatric Pulmonology & Respiratory Care View Profile Lori B. Nunley, M.D. Recommend This Physician Children's Pediatric Group - Emergency Department 2018 W Clinch Ave Knoxville, TN 37916 Get Directions Phone 865.541.8105 Pediatric Emergency Medicine View Profile Search Again 6 Result(s) Page 1 of 1 Search by Condition or Specialty Type a keyword, specialty or condition to find the right specialist. Specialty: - Select a Specialty -Adolescent GynecologyChild Abuse PediatricsDevelopmental-Behavioral PediatricsMedical GeneticsNeonatal Intensive CareOral & Maxillofacial SurgeryPain & Palliative CarePediatric Allergy & ImmunologyPediatric AnesthesiologyPediatric CardiologyPediatric Critical CarePediatric DentistryPediatric DermatologyPediatric Emergency MedicinePediatric EndocrinologyPediatric GastroenterologyPediatric Hematology/OncologyPediatric Hospitalist ServicePediatric Infectious DiseasesPediatric NephrologyPediatric NeurologyPediatric NeurosurgeryPediatric OphthalmologyPediatric Ophthalmology - Adult & PediatricPediatric OrthopedicsPediatric Otolaryngology (ENT)Pediatric Otolaryngology - Adult & Pediatric (ENT)Pediatric PathologyPediatric PerinatologyPediatric Physical Medicine, Rehabilitation & PhysiatryPediatric PsychologyPediatric Pulmonology & Respiratory CarePediatric RadiologyPediatric Reconstructive SurgeryPediatric RheumatologyPediatric SedationPediatric Sleep MedicinePediatric Sports MedicinePediatric SurgeryPediatric UrologyPediatriciansPediatrics Gender of Doctor: No PreferenceMaleFemale Keyword: Search


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WASHINGTON (8/31/15)--There's still time to register for tomorrow's CUNA-hosted webinar on the recent ruling on the Telephone Consumer Protection Act (TCPA). The Federal Communications Commission (FCC) issued its ruling on the FCPA in July. The ruling contains several troublesome aspects, CUNA said.
Issues such as a private right of action, no cap on class action liability, statutory damages of $500 per violation (up to $1,500 if willful) and each illegal call treated as a separate violation, make understanding the TCPA vitally important for credit unions implementing new communication practices to avoid TCPA liability.
CUNA staff will share frequently asked questions and efforts CUNA has made to clarify this ruling. Additionally, CUNA Mutual Group's LOANLINER Compliance team will discuss document considerations.
Topics covered in the webinar include:
Registration is currently open for the webinar, which is scheduled to run from noon to 1:30 p.m. (ET) on Sept. 1.