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In a 3D console video game, whether third-person or first-person, camera positioning is a common problem. In combat oriented games, keeping the camera on a target is perhaps the most important thing, hence this trope, which is when the camera locks itself itself onto a target location, moving and adjusting itself to keep the target onscreen while the player moves about. This is usually combined with directing the player's actions relative to the target, allowing them to circle-strafe around the enemy's attacks and quickly return fire.
This is most often activated by pressing a designated button, whether holding it down or turning it on or off. Other games initiate locking automatically, or apply "half" locking (with some camera control) automatically, with "full" locking when you press the right button. Some games allow switching between targets while maintaining the lock, and some games may automatically lock on to another target when the current one is destroyed.
It's not perfect, though. Locking the camera onto one enemy can limit the player's overall field of view, leaving other enemies out of sight where they can potentially attack the player from "behind", especially if there are a lot of enemies at once. Worse, unless there is a way to choose a target before locking, the game may lock onto something other than the intended target, which can result in an Event-Obscuring Camera moment where the enemy can attack or flee while the player's view is disoriented (which also applies if there are many enemies at once). As a way to mediate this, games may display an icon over the enemy/object that can be locked on to, and sometimes even allow the player to switch this icon from one enemy to the next before picking their target.
Compare Freelook Button, Camera Centering, Always Over the Shoulder.
Not to be confused with Missile Lock-On (although some games will overlap these), Fixed Camera. See also Event-Obscuring Camera, a YMMV trope for camera positioning that inconveniences the player.
- Back in the early days of Armored Core, combat is happening at a slow enough pace for players to keep a manual lock-on active. Then, during Armored Core 4/for Answer, with its massive emphasis on speedy battles, a (optional) camera lock on feature was added to help players transition. Some depend on it, more hardcore players don't need it.
- The Legend of Zelda: Ocarina of Time is either the Trope Maker, or the Trope Codifier, using a very effective form of this trope, that is still used in later 3D games in the series. The Z button not only centers your camera forward, but locks on to enemies and makes melee and ranged combat against them easier. The Legend of Zelda: The Wind Waker actually introduced a number of moves that can only be done while locked onto an enemy. Conversely, Twilight Princess has a One-Hit Kill move that can only be used when not locked on, with the sword sheathed.
- Shadow of the Colossus has a "Point camera at the Colossus" button. While in some cases this is a bit superfluous (how one loses track of a tower of living stone stomping around is anyone's guess), but it helps for some of the smaller, faster, or flying ones, especially if they're out of sight, which makes it almost like a wallhack.
- In Tomb Raider and its sequels, Lara would automatically aim at anything that counted as an enemy. The camera would focus on anything that Lara was looking/aiming at. In the first three games, shooting them would cause the camera to lock on to it, continuing to follow it even if Lara lost sight of it for as long as you kept the fire button pressed. Tomb Raider: The Last Revelation introduced limited forms of manual targeting that allowed the player to avert this, to an extent.
- Tomb Raider: The Angel of Darkness attempts the circle-strafing version with disastrous results.
- Tomb Raider: Underworld allows Lara to target 2 enemies at a time.
- Tomb Raider (2013) completely averts this, relying entirely on the player's manual aim instead.
- Stylish Action games such as Devil May Cry, Bayonetta, and Metal Gear Rising: Revengeance often have some form of lock-on mechanic for both regular and shooting action against enemies. In the case of shooting, it's one of the only ways to use ranged weapons quickly and accurately in such controller-based games.
- The Dynasty Warriors franchise has recently started to implement this in their titles. Given how many enemies there are on-screen at once, it makes sense to give the player a way to focus the camera on the important ones.
- MadWorld features this by holding C. It's useful because there's no other way to move the camera aside from flipping it right behind you.
- The Matrix: Path of Neo has this for aiming guns and keeping enemies in sight.
- Rengoku: The player can lock onto the enemies and switch between them, making ranged and melee weapons aim at them automatically.
- Conduit 2: supplements this with iron-sight aiming like that used in most first-person shooters.
- The Metroid Prime Trilogy makes use of this in a few different ways. In Prime 1 and 2 (the Gamecube games), this was used as a way to keep track of fast-moving enemies while staying mobile (as the games used Goldeneye-style controls where one normally can't move and aim at the same time). The Wii games (Prime 3, and the Trilogy re-release), both feature manual aiming combined with the lock-on function, allowing the player to "lead" a moving target for better accuracy. In all cases, Missiles and Super Missiles fired while locked on have homing capability.
- Final Fantasy XIV has a lock on feature that snaps the camera to the enemy or object you're targeting. However, staying locked on restricts your movement where moving backwards has you walking backwards instead of running, which can get you to be hit by an AOE you couldn't get away from in time. Most players use the lock on as a quick way to see where the target is and then break the lock on to regain normal movement.
- Dark Souls allows the player to target on the enemies by locking onto them, which helps for dodging, maneuvering or casting spells. Starting from Dark Souls II, there's an auto lock on option which automatically locks onto other enemies after killing one of them.
- Dark Cloud: In the first game, it was also a requirement for using the Defend Command.
- Dual Hearts provided a "soft" lock that lasted only while the lock-on button was held down, and a "hard" lock that remained in effect until the the player toggled it off. Both were controlled by the same button, depending on the amount of pressure the player pressed the button with.
- Kingdom Hearts:
- In the first game, the player could also issue a command for Sora's allies to attack the targetted enemy.
- It is also possible for the camera to decide to lock onto something harmless like a barrel or a streetlight which can be very problematic during fights.
- Mega Man Legends forced Megaman to stand still while locking on. The second game allowed the camera to be kept on the target regardless of which way Megaman was facing (even when he was looking the opposite way) by holding down a shoulder button.
- Rogue Galaxy automatically targets the player's attacks towards the nearest enemy, and can automatically engage a lock-on when their attack actually connects. The player can switch from one target to another, and also control whether their allies should attack the same or different targets.
- In Jade Empire, you locks on an enemy as soon as you enter combat mode. However, the game will always automatically switch between adversaries, so that the closest to you is always locked on.
- Spectrobes: Beyond The Portals allows you to lock on to an enemy during combat, giving your active Spectrobe a better shot at landing its attacks.
- Epic Mickey allows you to lock onto enemies if you hold the C button. The camera will then lock onto whatever has a red arrow above it. Two problems. 1) There is no easy way to switch between enemies once the camera is locked on. 2) There is nothing in any of the documentation or tutorials about this feature.
- The Rayman series first used this in Rayman 2: The Great Escape, and has since made appearances in updated releases of Rayman Arena's Battle Mode as well as being a key function in Rayman 3: Hoodlum Havoc.
- Played straight and subverted in Star Raiders. If the player turns on his Attack Computer, the screen will automatically switch between fore and aft views to track the enemy. Subverted when the player is engaging multiple ships on both sides; the screen will rapidly flip between the two views, tracking each ship as they attack.
- In WolfQuest, the camera locks on to prey, coyotes, and bears. In older versions of the game, it was very difficult to get out of the lock-on, which was annoying if you didn't want to hunt the rabbit that just spawned in front of you, but they fixed it to make it much easier.
- Assassin's Creed II has this function for the player. You can lock the camera onto a specific enemy (and unlock it again) at will, which activates a few combat maneuvers and always keeps the target in sight. This can be problematic in enclosed spaces, as the camera will show the enemy, no matter what. It also tends to screw you when you fight multiple enemies at once, because it can be difficult to see when an enemy other than the focussed one attacks. The game however tries to minimize these situations by moving the camera around a bit, to give you the best view of what's going on.
- In a literal use of this trope, the Fatal Frame series introduced a "Lock On" mechanic (since the fourth game) for the Camera Obscura, which can now be used to manually lock the camera onto a hostile ghost by holding down a specific button, making it much easier to follow their erratic movements in battle. This new mechanic is practically seen as a necessity since the awkward controls for these games are often criticized.
- In the later, American-made Silent Hill games, there is often a button used to focus your character to the nearest monster, camera included. Earlier games had something similar, but it was used for attacking, only.
- All the 3D Grand Theft Auto games have this trope unless you are using a weapon that requires manual aim, like a rifle.
- [PROTOTYPE] allows you to lock onto targets from a surprisingly long range, which makes it trivial to knock down helicopters from maybe half a mile away with a well-tossed car or some other heavy object.


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Vision Interface
Vision Interface was co-founded by Gwen Hawver, in 1996. It was founded as a business development company. However, as the years passed, she found that I could help a client establish business, but I could not bring them clients to keep them in business. So after watching a client struggle and then go out of business, Gwen started looking for ways to help bring clients.
In 2009 Vision Interface brought on Rustin Hawver as Director of Internet Solutions and has developed a strategic partnership with Internet Dominators, This move, started the change of focus of vision interface to becoming a marketing company. We couple Internet and traditional marketing with business development strategies to hep our clients discover a few things:
1. Who they are and what their core message is
2. Who their clients are and where they are looking for them
3. Then it's our job to get that right message before the right audience.
Through all this, our we have stayed true to our vision and mission:
Mission: Our Mission is to simplify business structures as we build relationships to assist clients in brining their idea to a viable, successful business venture.
VIsion: Our Vision is to expand our relationships and systemize services and products to empower entrepreneurs and existing business owners to fulfill their dreams.

subset: commoncrawl


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After a mega delay, Khotang district has finally been connected to the national road network with the completion of the Dudh Koshi Bridge at Jayramghat. Built at a cost of Nrs 11 crore, Kalika Construction and Hulas Company was supposed to complete the construction in 2009. The introduction of the bridge means Khotang residents will reach Kathmandu in approx. 16 hours and this may lead to the reduction in prices of daily products. Before the operation of the 150 meter suspension bridge, a temporary Beli Bridge was in use to cross the river. The new bridge has been constructed on the adjoining point between Khotang and Okhaldhunga districts.
Source: Republica


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- doc
- sensitive documents
- Gráficos
Tails incluye varios programas para manipulación de imágenes, diseño gráfico y composición de páginas:
GIMP, an image editor.
You can use GIMP to edit, enhance, and retouch photos and scans, create drawings, and make your own images.
GIMP has user manuals in several languages.
Inkscape, a vector-based drawing application.
You can use Inkscape to create a wide variety of graphics such as illustrations, icons, logos, diagrams, maps, and web graphics.
The Inkscape website has tutorials in several languages.
These applications can be started from themenu.
You can also install using the Additional Software feature:
- Scribus, a page layout application.
Most files contain metadata, which is information used to describe, identify, categorize, and sort files. For example:
- Cameras record data about when and where a picture was taken and what camera was used.
- Office documents automatically add author and company information to texts and spreadsheets.
Use mat2 to clean metadata from your files before publishing or sharing them:
- Open the Files browser.
- Navigate to the folder containing the files that you want to remove metadata from.
- Select the files that you want to remove metadata from.
- Right-click (on Mac, click with two fingers) on the files and choose Remove metadata.


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Contact Tygerberg Nature Reserve
Reserve Manager - Penny Glanville
Tel: 021 913 5695 - Fax:021 9136268 - Emergency no 021 9574700
Email: firstname.lastname@example.com
For directions, entrance fees and opening times of the various gates scroll to the bottom of the page.Plattekloof gate closed until further notice.
Some of the fynbos that flowers in the park in spring.
In Cape Town we have a number of nature reserves and the Tygerberg is one of them. Most visitors who fly into Cape Town will fly down the west side of the Tygerberg as they prepare to land at Cape Town International airport. It's a long range of hills which has been left virtually untouched along its upper reaches although of late there has been quite a bit of building activity on its western slopes.
Tygerberg Nature reserve is an important reserve in that it is home to the critically endangered species of Swartland Shale Renosterveld (Swartland Shale Rhinoveld). The reserve covers an area of 309 hectares and has 562 different plant species growing within its boundaries. Of these, 23 are Red list species, eight are endemic to Cape Town, and three endemic to Tygerberg itself.
On the eastern side of the reserve is the main entrance gate which is extremely difficult to find if you don't know where to look for it.(See directions below) Near the gate is the Kristo Pienaar Environmental Education Centre which can be booked for conferences, meetings and workshops and where the Reserve conducts Environmental Education for the public.
The Tygerberg hills have a fantastic unhindered view of the Cape Peninsula. The view towards the west over Cape Town and Table Bay is absolutely splendid and you can watch the changing moods of Table mountain as the sun moves to the west. To watch a sunset from here is something to die for.
There are a number of different pathways to the viewpoint which wind their way up the hillside and give you a close up view of the Renosterveld . There is also a wide tar road which is used by vehicles transporting equipment to the many TV and radio masts sited on the hill. It's a sweat to get to the top but the effort is really worth while.
Dam on the Western slope of the Tygerberg
From your vantage point you can see as far as Cape Point, the second most southerly point of Africa. Due south you will see False bay shimmering in the distance and in between you and it are the Cape Flats with its thousands of houses and shacks. Home to many thousands of Capetonians.
To the east you can see Somerset West and the mountains of Stellenbosch and the mountains which form the eastern seashore of False Bay. At the highest point of the Reserve there is a picnic area and a look out point. From there you can look down on the planes as they fly past on their way to the airport.
The reserve is home to 24 different mammal species which include a number of different antelope and tortoises, 137 bird species including the Lanner Falcon, Rock Kestrel, Cape Franklin, Alpine Swift and Ground Woodpecker, 22 different reptiles including snakes and lizards, 7 types of frogs, and numerous different butterfly species.
In the reserve there are approximately 13 kilometres of self-guided walking trails for hikers, walkers and trail runners. For the not so energetic there are a few picnic areas where one can relax with family and friends and do some bird watching.
Environmental educational programmes and activities are conducted from the Kristo Pienaar Environmental Education Centre. These programmes are open to the public but you need to book your seat if you want to join a programme. Below are the contact details for the Reserve should you require further information.
CONTACT: Tel 021 913 5695; Fax 021 913 6268
Main gate: Totius Street, Welgemoed; Secondary gate: Meyboom Ave, Plattekloof.
From the N1, turn into Jip de Jager Road towards Durbanville. Turn left into Kommissaris Street and follow the brown Tygerberg Nature Reserve signs.
SUMMER: (October to March)
· Week days: 07:30 – 18:00
· Weekends and public holidays: 07:30 – 19:00
· Closed Christmas Day
WINTER: (April to September)
· Week days: 07:30 – 17:00
· Weekends and public holidays: 07:30 – 18:00
From Plattekloof Road towards Panorama Hospital – turn into Olienhout. Take the third street right into Meyboom Avenue. Visitors may park between Melkhout and Vlamboom Streets.
· Week days only: 07:30 – 16:00
· Closed for the month of January
Adults: R20.00
Children between ages 3 and 17: R10.00
Children under 3 years: Free entry
Tygerberg Nature Reserve season tickets are available at the gate.
Season Tickets:
Season Tickets provide unlimited entry into the following nature reserves for 365 days from date of issue: Helderberg (excl. vehicle fee), Tygerberg, Table Bay (excl. vehicle fee), False Bay and Blaauwberg (excl. vehicle fee) Nature Reserves. Enquire at the gate.
© 2023 Turtle SA - All Rights Reserved Cape Town- Tygerberg Nature Reserve


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The word "horrifying" is not commonly found in reports from government task forces.
Even when the subject is serious, the terminology tends to be sleep-inducing.
Not when it comes to reporting from the frontlines of the foreclosure crisis.
There are so many foreclosures in the legal system that it cannot handle them, reported the Task Force on Residential Mortgage Foreclosure Cases. It was appointed by the Florida Supreme Court, and issued its first report recently.
How bad is it?
– Florida has the worst foreclosure inventory in the nation. Of 3.5 million loans serviced in Florida, 374,134 are in foreclosure. Another 378,031 are delinquent.
– Florida has the most foreclosure starts in the nation. Even when many moratoria were in effect, almost 1 million foreclosures were begun in the first quarter of this year.
– Florida has the third-highest mortgage delinquency rate in the nation.
And the flood shows every sign of increasing. Foreclosures have moved from owners with subprime loans to those with prime loans, often because of loss of jobs or reduced pay.
And Jacksonville is one of the Florida cities that is hardest hit.
The judicial system is crushed with work. Thus, the task force basically suggested taking every step possible to resolve these cases before they hit the courts.
For instance, the task force recommends that mediation be required for all residential homesteaded property, unless the plaintiff and borrower agree otherwise, or unless pre-suit mediation was conducted.
Suggested reforms
Also suggested is referral of the borrower to foreclosure counseling before mediation, early exchange of borrower and lender information and the ability of the plaintiff's representative to appear at mediation by telephone.
These promise to help, since the settlement rate as a result of mediation is 73 percent, the task force reported.
April Charney, a foreclosure expert with Jacksonville Area Legal Aid Inc., was on the task force. She said there still are some perverse incentives involving securitized loans that can make it more profitable for investors to have foreclosures over settlements.
"It's a big mess," she said.
So, while the economy apparently has hit bottom and stabilized, the housing market still looks shaky.
"It's still not a healthy housing industry when you have one-third of sales coming from foreclosure sales," said a Deutsche Bank economist in The Wall Street Journal.
The Supreme Court should take the advice of its task force and enforce the rules being suggested, especially mediation.
Foreclosure is painful enough without being dragged through a laborious court process.


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Chelsea Football Club /ˈtʃɛlsiː/ is an English football club based in Fulham, London. Founded in 1905, they play in the Premier League and have spent most of their history in the top tier of English football. Their home ground is the 41,837-seat Stamford Bridge stadium, where they have played since their establishment.
Chelsea had their first major success in 1955, when they won the league championship, and won various cup competitions during the 1960s, 1970s, 1990s and 2000s. The club has enjoyed its greatest period of success in the past two decades, winning 15 major trophies since 1997. Domestically, Chelsea have won four league titles, seven FA Cups, four League Cups and four FA Community Shields, while in continental competitions they have won two UEFA Cup Winners' Cups, one UEFA Super Cup, one UEFA Europa League and one UEFA Champions League. Chelsea are the only London club to win the UEFA Champions League, and one of four clubs, and the only British club, to have won all three main UEFA club competitions.
Chelsea's regular kit colours are royal blue shirts and shorts with white socks. The club's crest has been changed several times in attempts to re-brand the club and modernise its image. The current crest, featuring a ceremonial lion rampant regardant holding a staff, is a modification of the one introduced in the early 1950s. The club has sustained the fifth highest average all-time attendance in English football. Their average home gate for the 2012–13 season was 41,462, the sixth highest in the Premier League. Since July 2003, Chelsea have been owned by Russian billionaire Roman Abramovich. In April 2013 it was ranked by Forbes Magazine as the seventh most valuable football club in the world, at £588 million ($901 million), an increase of 18% from the previous year.


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The city staff reported that the housing goal could total as many as 4,800 units, 2.3 times increase over the numbers in the current cycle. The higher numbers reflect the Bay Area's broad failure to build even remotely enough housing to match the explosive job growth coming out of the Great Recession. Jobs grew by 20 percent (more than 400,000) in the Bay Area, while housing stock increased by 7 percent. It was dramatically worse in San Francisco and San Mateo counties with the East Bay adding the most housing (cities such as San Ramon and Dublin as well as communities in Eastern Contra Costa).
By contrast, Southern California permitted more housing and thus will not face significantly higher goals.
The question for the City Council is how these numbers will figure into housing policy moving forward. Despite the failure of the Legislature to enact significant housing legislation in the past session, it remains a priority for both the governor and key legislative leaders.
That brings the discussion to planning East Pleasanton. Pleasanton-based Ponderosa Homes has brought key landowners in the 1,100-acre area into agreement that it would serve as lead developer. The council, back in March 2019, established restarting the planning process as a priority for the next two years. A task force had worked on a plan from 2012 to 2015 when the council decided to suspend the process during the drought.
In Pleasanton's uniquely slow-moving way, the process recommendation didn't make it to the council until November 2019 and that process wasn't ratified until a 3-2 council vote with Karla Brown and Julie Testa opposed last March.
Once the shutdown took effect, the city essentially placed it on the shelf. A Ponderosa official said they have the contract to pay for the city staff work done and it is awaiting the city's signature. Of course, the current election with three seats (mayor and two council) in play, the outcome will be critical to determining when and if the planning moves forward.
If Brown wins the five-person mayoral race topping fellow termed-out Councilman Jerry Pentin and is joined by like-minded candidates such as Planning Commissioner Nancy Allen and school trustee Valerie Arkin, the direction shifts dramatically.
The process is estimated to take 18 to 24 months so it could be election season 2022 before it is wrapped up.
The broad plan Ponderosa is working on includes about 1,900 homes with about 26% (500) affordable. They are actively considering how to set aside some units for veterans as well as special-needs families. Ponderosa developed the Ironwood project on Busch Road and saw how popular the active adult community has become for empty nesters aged 55 and older. They are considering up to 400 similar units next to the existing community.
The plan also would move the transfer station east of El Charro Road and see that critical north-south road completed as public road (it's currently private). A kindergarten-8th school site is also in the plan.
Timing is important not only because of the Legislature and the regional housing numbers, but also there's the underlying zoning on 100 acres. It's zoned industrial and there's high demand for industrial land in the core Bay Area. If the planning process stalls, the landowners can opt out of their agreement with Ponderosa and pursue a warehouse/distribution center. The demand for such space can be seen along Isabel Avenue in Livermore where a spec series of warehouses are leased up.
Pleasanton has a checkered history with housing dating from the 1990s and is known among Sacramento housing advocates for its ill-advised 29,000-unit housing cap passed by voters. Non-profit housing advocates successfully filed suit to overturn it. By the time the city settled the suit, it paid $1.9 million in legal fees to the plaintiffs plus another $500,000 for its own outside council. That's on top of the countless hours of staff time.
It was an expensive lesson and it led to four high-density apartment complexes that were constructed in the same time frame because the land was already zoned as part of the settlement agreement. The good news was Pleasanton had gone more than 15 years without a new apartment complex so the four coming together injected competition into the marketplace resulting in better deals for potential renters.


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Countries in Latin America and the Caribbean underscore the importance of corporate liability in the fight against corruption and commit to explore the issue further to strengthen enforcement in the region
26/09/2019 - The second meeting of the Latin America & Caribbean Anti-Corruption Law Enforcement Network ("LAC LEN"), took place on 3-4 September 2019 at the Ministry of Foreign Affairs (Itamaraty) in Brasília, Brazil. The meeting was jointly organised by the Anti-Corruption Division of the OECD and Brazil's Office of the Comptroller-General (CGU), Office of the Attorney-General (AGU) and Federal Prosecution Service (MPF). It was supported by the network of British Embassies in Central America and the Deutsche Gesellschaft für Internationale Zusammenarbeit (GIZ).
The LAC LEN, which was established in 2018 in Buenos Aires, aims to equip law enforcement authorities in Latin America and the Caribbean with the necessary tools, capacity and expertise to effectively investigate and prosecute complex corruption cases, including transnational ones. It also provides a vital platform for informal exchange of information to facilitate the provision of legal assistance among its members. The activities of the network aim to support the region's efforts to strengthen democracy and the rule of law and to promote sustainable development in line with the Lima Commitment on Democratic Governance against Corruption adopted by the Summit of Americas in April 2018, and of the Action Plan for Integrity and Good Governance, endorsed by the High Level Meeting of the OECD LAC Regional Programme, in October 2018, in Lima, Peru.
This year, the meeting brought together more than 50 law enforcement officials from 14 countries. Representatives of the OECD and the Organization of American States (OAS) also participated.
As recent practice in the region shows, corporate entities frequently act as vehicles for transnational corruption. A growing number of Latin American and Caribbean countries have therefore enacted corporate liability laws, and several others are in the process of doing so, to ensure that companies can be held responsible in line with the standards of the OECD Anti-Bribery Convention, the United Nations Convention Against Corruption (UNCAC) and the Inter-American Convention Against Corruption (IACAC).
Recognising the importance of corporate liability in the fight against corruption and of the need to raise awareness and build the capacity of prosecutors and law enforcement authorities to effectively investigate and prosecute corruption cases involving companies, the 2019 meeting focused on discussing challenges, exchanging good practices and conducting case-based peer-led training on issues related to:
The LAC LEN also decided to embark on a cross-country exercise on the topic with a view to taking stock and analysing further these issues to strengthen enforcement of corporate liability laws in Latin America and the Caribbean.
The LAC LEN meeting was followed by a two day training on "Combating Foreign Bribery and Corruption Training" (5-6 September 2019) organised by Brazil, in partnership with United States Securities and Exchange Commission, Department of Justice and Federal Bureau of Investigation.
For more information, contact: Daisy Pelham, Communications Officer, OECD Anti-Corruption Division. For more information about the OECD's anti-corruption work in Latin America and the Caribbean, please visit: www.oecd.org/corruption/oecd-latinamericaanti-corruptionprogramme.htm
Documents connexes


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On the whole, the Northwestern defense was effective against Michigan State, holding LeVeon Bell scoreless and without any big runs, keeping Andrew Maxwell's completion percentage under 50%, recording four takeaways, and stopping the Spartans twice on fourth down. The only Spartan offensive player to have significant success was tight end Dion Sims, who finished the game with 102 receiving yards off only 5 receptions.
The longest of those receptions came on Michigan State's second drive of the game. After a 3 yard LeVeon Bell run on first down, MSU comes out in a singleback formation with a tight end and a wide receiver to each side of the field; Sims is the tight end to the right. Northwestern responds with their usual 4-3 under, treating the field side as the strong side of the offense. The secondary is in the usual 2-deep shell with the corners playing off; Northwestern doesn't have a more vanilla defensive look than this.
The defensive call, however, is a blitz. On the defense's right, Quentin Williams loops outside, while Damien Proby and Chi Chi Ariguzo both rush inside him and Jared Carpenter comes down from his safety position to join the undercoverage. On the other side of the line, Tyler Scott drops into coverage as the third undercoverage player. The MSU receivers and tight ends release vertical, while LeVeon Bell steps up to help in the protection.
At 12 yards, the wide receivers break outside, while the tight ends continue up the seam. David Nwabuisi carries Sims 10 yards deep before planting his feet and releasing Sims to the deep coverage.
Because Ibraheim Campbell has to worry about both seam routes, he cannot come over to pick up Sims. This leaves the tight end wide open.
Sims catches the ball at the 35; Campbell completely misses the tackle. Nwabuisi and Carpenter hit Sims at the 25 and get dragged to the 11 for a total of 44 yards on the play.
Other than the poor tackling, which is a common result of trying to bring down a 6-5, 285 pound tight end, this play was an example of Michigan State taking advantage of a weakness in Northwestern's 3-deep coverage. Since the corners have to play the out routes from the receivers, the two seam routes give Andrew Maxwell a 2-on-1 against Ibraheim Campbell. Campbell's only choice is the one he makes, keeping between the routes and breaking on the throw; if he commits to one route early, the play should go for a touchdown to the other. Northwestern's only hope is for the undercoverage players (Nwabuisi and Carpenter on this play) to recognize the problem and carry those seam routes deeper. Carpenter does better than Nwabuisi with this, but neither player is in position to prevent a completion.
Sims got his next reception on an almost identical play. In the second quarter, MSU lines up for 2nd and 10 in the same formation, once again with Sims as the right tight end. Northwestern is in the 4-3 under, treating the field side as the strong side. This time, Ibraheim Campbell walks down to form an 8-man front.
Once again, Northwestern blitzes. This time, it is a 6 man rush, with the down linemen joined by Campbell and Nwabuisi. Once again, the tight ends and the receiver the TV angle shows release vertical; once again, the receiver breaks outside while the tight ends continue straight downfield.
Campbell is never actually blocked, but he has to sort through enough traffic that he can't get to Maxwell. Damien Proby does the same thing that Nwabuisi did on the first play, carrying Sims 10 yards before handing him off to Jared Carpenter in the deep middle. The result is similar.
Fortunately, Sims has to jump to bring this throw in and falls down after the catch.
This wasn't the last time Michigan State looked to Sims down the seam. On the final Spartan drive, Michigan State faced 4th and 10 from their own 20 with only 1:15 remaining and no timeouts; a failure to get the first down would end the game. MSU lines up in a balanced three receiver formation with Sims on the offensive left and Maxwell in the shotgun. Northwestern responds with a 3 man line, with 3 linebackers and the nickelback all close enough to the formation to blitz while the safeties are almost 15 yards deep.
Of the potential blitzers, only Chi Chi Ariguzo rushes. Northwestern plays man coverage with 2 safeties over the top, while MSU runs 4 verticals.
Jimmy Hall draws responsibility for Sims, and the tight end easily wins the matchup by releasing outside before bending his route back inside to create a window. Maxwell's throw is right on target.
Though the throw is good, Sims has a hard time securing the ball, and when Ibraheim Campbell arrives from his deep safety spot, Sims still has the ball held away from his body. Campbell's hit jars the ball loose, and the officials rule the pass incomplete. Since Hall is able to collect the loose ball, Northwestern would have won even if the play had been ruled a catch and a fumble. Still, Sims was able to abuse the coverage once again, making the proper adjustment to his route against man coverage, and Maxwell was able to deliver a throw on time and on target. Credit is due to Campbell for knocking the ball out, but Northwestern's coverage had no answer for Sims on this route.


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Annoyed by those stubborn dents in the carpet from furniture? Having your carpets regularly cleaned can help ease up those dents. Moving furniture around occassionally will also help keep some of those dents out of the carpet. Our carpet cleaning equipment is strong and powerful to help get the dirt, dust and mud out of your carpet.
Stubborn Dents in Carpet
Robert Allen2009-06-28T12:31:11-04:00
About the Author: Robert Allen
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The Long and Short of Oriental Rugs!!March 10th, 2016 | 0 Comments


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To some it may be sacrilege, but this was my first encounter with the fabulous fretwork of one Jeff Beck. Together with Tony Hymas on keyboards and Terry Bozzio on drums he created this wonderful album. The trio not only played and wrote, but also produced it, although the latter together with Leif Mases.
Opening with the title track which is interlaced with lines from musical instruments adverts. You know, "super slinky" and " feel those frets" never were the same after that 😉 . In the beginning I did not realize that Beck plays without plectrum. But even without knowing that, it is obvious there is genius at work here. And not only from Beck, we should not forget the other two rank pretty high upon the genius ladder as well.
Next track Savoy has a lovely boogie feel and mixes melody with technical prowess from the gents. Melody being key here. Great when instrumental music makes you forget it is actually that. Behind the Veil is built on a reggae feel and has a beautiful heartfelt melody that is pure gold. Amazing how the track flows and keeps you interested. Then Big Block comes shuffling in. Parts of it are bent into bluesy riffing, but the drums make it impossible to resist the beat. And then that guitar solo. Such class! Where Were You is a showcase for the craftsmanship and feel that Jeff puts into his guitar. Even if you listen just ones to the opening sequence, I am pretty sure you can only admire the feel that comes pouring out of your speaker. Heart tearing!
A career that started in the sixties I believe (with more hits than you can now think of), and still going strong… How is that for classic!


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Cangshan 3-Stage Adjustable 14-24 Degree Professional Knife + Scissor Sharpener
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Cangshan Cutlery 3-1 simple-to-use sharpener restores a factory edge to any knife in your collection, even kitchen shears. All-in-one tool has two stages each for Asian or Western blades. A unique handle-shaped grip helps keep fingers safe, and a nonslip rubberized base provides stability on the work surface. *Its recommended to sharpen your kitchen knives at least 2 times a year to ensure that the knife blade is cutting properly.
- The Cangshan team spent 16 months doing R&D, finalizing the industrial-Grade carbide sharpening components to ensure that this knife sharpener can work effectively on high alloy metal blades.
- Professional 3-1 knife sharpener with built in angle adjustment from 14 to 24 degree, offering the correct blade angle to expertly maintain the cutting edges of both Western- and Asian-style knives. Also includes unique ceramic sharpening blade slot designed to sharpen 2-Piece kitchen shears.
- Offers two stages of sharpening for each knife style: a coarse ultra-hard Tungsten carbide side for restoring edges to dull blades and a finely grained ceramic side for honing and finishing edges (also useful for quick touch-ups).
- A unique handle-shaped grip helps keep fingers safe, and a nonslip rubberized base provides stability on the work surface.
- Not for use with serrated knives or blades sharpened on only one side of the cutting edge, such as sashimi knives.


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Website Privacy Policy
Thank you for visiting Summit Land Transfer, Inc.'s website. We are committed to maintaining your privacy. This policy addresses the collection, security and access to information that may be obtained through the use of our site. This policy covers the following topics:
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Information Collected
As part of standard internet practice we collect the following information when you visit our site:
• Your domain name; for example, "xcompany.com" if you use a private internet access account, or "yourschool.edu", if you are connecting from a university domain;
• Your IP address, a number automatically assigned to your computer when you are using the internet;
• The type of browser and operating system used to access our site;
• The Internet address of the website from which you linked directly to our site;
• The pages you visit within Summit Land Transfer Inc.'s site; and
• The links made to other websites through this site.
This information is collected for statistical analysis using standard third-party software programs to create summary statistics. The statistics are used for the purpose of determining what information is of most and least interest to all visitors and identifying system performance or problem areas. This information is not collected for commercial marketing purposes. Summit Land Transfer Inc. does not sell information collected online.
Any personally identifiable information that you voluntarily provide will be collected. Personally identifiable information may include an email address or any other information you submit via a website when completing an application, form, or survey online.
The information collected, whether or not personally identifiable, is not limited to text characters and may include audio, video and other graphic formats you send us. Information is retained in accordance with existing laws and other Commonwealth policies.
Public Disclosure
As a general rule, Summit Land Transfer Inc. does not disclose any personally identifiable information collected online except where you have given us permission, or where the information is public information under the Pennsylvania Right to Know Act 65 P.S. 66.1 et seq., or other applicable laws. Visitors should be aware that information collected by Summit Land Transfer Inc. on its websites may be subject to examination and inspection, if such information is a public record and not otherwise protected from disclosure.
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As part of our continuing commitment to the security of electronic content as well as the electronic transmission of information, Summit Land Transfer Inc. has taken steps to safeguard the submission of information by implementing detailed technology and security policies, which can be viewed at the Office of Summit Land Transfer located in Spring House, PA. Security measures have been integrated into the design, implementation and day-to-day operations of the entire operating environment.
In certain instances, you may receive or create a password to access or submit personal information. You should not divulge your password to anyone. Summit Land Transfer Inc. will never ask you for your password in an unsolicited phone call or e-mail. When you are finished with sites that are password protected, you should exit the page.
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Once you link to another website not maintained by Summit Land Transfer Inc., you are subject to the terms and conditions of that website, including but not limited to its privacy policy.
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Murray Bridge to Mount Crawford
RD sign northbound on Reedy Creek Road north of the junction with B36 Mannum Road. Source: Peter Renshaw, October 2011.
Length: 63km
Northern Terminus: Warren Road (B34) & Cricks Mill Road (B35), 10km southeast of Williamstown
Southern Terminus: South Eastern Freeway (M1) & Jervois Road (B35), Swanport
Route taken: Jervois Road, Mannum Road, Reedy Creek Road, Randell Road, Tungkillo Road, Torrens Valley Road, Cricks Mill Road
Focal Points: Wellington, Murray Bridge, (Mannum), Palmer, Tungkillo, Mt Pleasant, (Williamston)
Route B35 is a northwest to southeast route skirting the eastern edge of the hills behind Adelaide. Linking Murray Bridge with Mount Pleasant and Williamstown, it provides a useful alternative route into the Barossa Valley or conversely to the South East without passing through the metropolitan area. Most of the route passes through lovely rolling countryside before entering the forests northwest of Mt Pleasant.
Beginning at the South Eastern Freeway (M1) at Swanport, just south of Murray Bridge, B35 heads north through Murray Bridge towards Mannum. North of the city centre, B35 makes a left turn onto Reedy Creek Road, the direct route to Palmer. Upon reaching Palmer, B35 traffic must turn again onto Randell Road before another turn, this time onto Tungkillo Road, just beyond Tungkillo. At Mt Pleasant, a short duplex with route B10 is used, before following Cricks Mill Road to its terminus at Warren Road (B34).
B35, along with the other South Australia alpha-numeric routes, was officially introduced in 1998/99. Unfortunately, up until recently the route marker was missing from the majority of signs, particularly those southeast of Tungkillo. The duplex with route B10 through the village of Mt Pleasant is also poorly signed, as the photos below will show.
In 2009, as a result of an injection of funding for new signs under the rural addressing scheme, some new signs began appearing, e.g. at the junction with B36 just north of Murray Bridge. As at early 2014, it appears that the route has finally been fully signed, at least north of Murray Bridge.
Photos of route B35 (Swanport to Mount Crawford)
AD sign westbound on South Eastern Freeway (M1) approaching the Jervois Road (B35) interchange at Swanport. Note the missing B35 route marker - this sign pre-dates alpha-numeric route marking in South Australia.
Photo taken: January 2005.
AD sign assembly northbound on Jervois Road (B35) at the junction with South Eastern Freeway (M1), Swanport. Again note the missing B35 route marker, despite the NHRA1 route marker being added to the lower sign.
Photo taken: January 2005.
AD sign eastbound on Adelaide Road (B55, former Princes Highway) approaching the junction with Mannum and Jervois Roads, Murray Bridge. Swanport Road has since been renamed, however this photo was taken prior to the renaming. Note the B55 route marker has been added to the sign but not the B35 route marker which should be shown both left and right.
Photo taken: January 2005.
AD sign westbound on Bridge Street (B55, former Princes Highway) approaching the junction with Mannum and Jervois Roads, Murray Bridge. Swanport Road has since been renamed, however this photo was taken prior to the renaming. Note the B55 route marker has been added to the sign but not the B35 route marker which should be shown both left and right.
Photo taken: January 2005.
ID sign assembly facing southbound traffic at the junction of Mannum Road (B35/B36) and Reedy Creek Road, 3km north of Murray Bridge. Northbound B35 traffic must turn left at this junction into Reedy Creek Road to remain on the route.
Source: Peter Renshaw, October 2011.
RD sign northbound on Reedy Creek Road after the junction with Mannum Road, 3km north of Murray Bridge.
Source: Peter Renshaw, October 2011.
Reedy Creek Road looking north as you descend towards the bridge over Reedy Creek, 5km south of Palmer.
Source: Peter Renshaw, October 2011.
Top photo: Ageing black AD sign assembly eastbound on Randell Road (B35) approaching the junction with Reedy Creek Road (B35) at Palmer. B35 traffic turns right at this junction to remain on the route whilst Randell Road continues straight ahead as B36. As you can see, neither sign had been updated to include the new route markers, 13 years after alpha-numeric route marking was introduced.
Bottom photo: New AD sign showing both B35 and B36, installed during 2012.
AD sign southbound on Tungkillo Road (B35) approaching the junction with Randell Road, Tungkillo.
Source: Rollo Ross, February 2014.
ID signs at the junction of Torrens Valley Road (B10/B35) & Tungkillo Road (B35), Mt Pleasant. The top photo shows the topknot initially installed; the second photo shows new signage including the route marker.
Top photo: April 2003.
Bottom photo: Rollo Ross, February 2014.
AD sign assembly southbound on Torrens Valley Road approaching Tungkillo Road at Mt Pleasant. B35 has a short duplex with B10 through Mt Pleasant and should be shown straight ahead on this sign as well as left.
Photo taken: April 2003.
AD sign northbound on Torrens Valley Road approaching the junction with Cricks Mill Road at Mt Pleasant. This is the other end of the the short B10/B35 duplex and B35 should be shown straight as well as left on this sign.
Photo taken: April 2003.
AD sign southeastbound on Cricks Mill Road (B35) approaching the junction with Torrens Valley Road (B10/B35), Mt Pleasant. B35 should, of course, be shown for the left turn, along with Murray Bridge and/or Mannum.
Photo taken: April 2003.
ID sign assemblies at the junction of Warren Road (B34) & Cricks Mill Road (B35), 10km southeast of Williamstown. These signs, at the northwestern terminus of the route, pre-date alpha-numeric route marking but are correctly topknotted - if only the remainder of the signage on this route was as good.
Photos taken: April 2003.
AD sign southbound on Warren Road (B34) approaching the junction with Cricks Mill Road (B35). Note the incorrectly capitalised 'W' and also how B34 is included in the sign but B35 is on a topknot - an unusual sign all round!
Photo taken: April 2003
Last updated 16 February 2014
© Ozroads 2003-2014.


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Press Release: YTV format "The Rolling Kitchen" to air on NTV, Mongolia
Yomiuri Telecasting Corporation (YTV) and NTV in Mongolia announce that Mongolian version of "The Rolling Kitchen", YTV's exciting cooking show format, has been produced and is to premiere on Sunday 4th April 2021 on NTV.
In this spectacular studio-based cooking show, 2 couples compete to see which team can create the best dish to win a cash prize. Within 40 minutes, couples need to cooperate and create 2 dishes. However, the kitchens are separated and conversations about cooking process are prohibited. And here is the twist. Every 10 minutes, the kitchen rotates 180 degrees. The husband must take over the wife's dish and the wife must take over the husband's. Couples need to read each other's minds and estimate the cooking procedure to win. They are expected to create the best dish with bonds of love.
On NTV, Mongolia, a series of 12 episodes will be broadcast at 18:45-20:05, primetime on Sundays, starting on 4th April 2021. In the Mongolian version, the contestants are not only husbands and wives, but also friends, colleagues, and others. The original format was broadcast in Japan in September 2018 and launched for international sales at MIPTV 2019. The format is currently represented by Global Agency for Europe and Middle East (excluding Turkey) and by YTV for the rest of the world.
Comment by Norihiro Miyamoto, General Manager, Content Business Department, YTV
More than a year has passed since the coronavirus pandemic spread worldwide. It has been a year for the world to face this unprecedented threat, but it has also been the year for those with their families or partners to spend their time together at home, more than ever. Sometimes you may find that things work well or do not work well when you spend so many hours together. Our game show format "The Rolling Kitchen" could give the viewers a window to look into such domestic scenes.
We are very honored that NTV, Mongolia is localizing this format. We are confident that this game show will provide entertainment to everyone in the world across the borders, reflecting what goes on in every household or relationship that the viewer can relate to.
Comment by Amarjargal. B, Head of Production Department, NTV
The selection process for YTV's "The Rolling Kitchen" was very quick. We fell in love at first sight.
After watching the pilot episode in English, we were already discussing about this as our next cooking show and the management decided to do the production.
TV stations in many countries will definitely show interest to this format.
We are delighted to be the first TV station in the world to do a full season.
We were able to complete the research and production phase very quickly.
After the successful completion of the recording of the first season, we are now working to deliver it to the audience. Thank you YTV.
About YTV https://ytvcontents.com/en/
Yomiuri Telecasting Corporation (YTV) is a Broadcaster, Production and Distributor, headquartered in Osaka, Japan.
One of the most successful YTV's scripted formats is "Pure Soul", a love story of a young woman with early-onset Alzheimer's Disease. Its award-winning Korean film adaptation "A Moment to Remember" recorded the highest box office revenue both in Korea and Japan at the time of its premiere. "365: Repeat the Year", a drama series aired on MBC in 2020, is based on YTV's "Wheel of Fortune (Repeat)", another example of Korean remake of YTV's formats.
YTV is also known for its popular entertainment shows, some of which have been running for longer than 25 years. "Hometown Pride", "Downtown DX", for example, are popular as finished tapes.
As an Animation Powerhouse, the company has produced "Detective Conan" series for over a quarter of a century, as well as "Inuyasha", " Space Brothers", "City Hunter" and numerous other titles that are popular all over the world.
As a broadcaster, YTV is a member of Nippon Television Network System in Japan and it covers second largest area within the network. The company has achieved the top annual rating for six consecutive years since 2014 and is recognized as the Kansai regions' viewer ratings champion.
About NTV http://ntv.mn/
Launched in 2006, it is a news and entertainment-oriented television station that broadcasts throughout the nation more than 9,000 minutes of program a week.
It is one of the top 5 TV stations of the nation and the number one show provider.
NTV has produced many international formats such as "Chef in Your Ear", "My Wife Rules", and "Little Masters" etc.


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- How effective robotic-mediated therapies are in physical rehabilitation of patients?
- What is the level of acceptability of robot-therapies among patients?
- What is the cost of robot therapies in relation to conventional therapies?
Effects of Morning Walk-Assisted Gait Training
Kim et al. (2018) found out that morning walk contributed more to the balance of stroke patients who needed continuous support during walking more than the conventional physiotherapy.
Morning walk comprises of a saddle, chest support, and body weight support link aimed at supporting the weight of a patient, and therefore ensuring that the patient is safely boarded (Kim et al. 2018)
Effectiveness of Robotics in Rehabilitation
There was improvement in upper extremely related functions related to patients who had suffered from stroke, CP, and SCI (Dixit and Tedla 2018).
Effectiveness, Costs, and Acceptability of Robot-Mediated Rehabilitation
Robot-mediated therapies are more effective than conventional therapy in treatment of patient affected by stroke. In essence, robotic therapy was enables a large number of patients to recover and walk independently. Also, use of wearable robots had the lowest number of dropouts due to the fact that the therapist is always present during the session, prompting active participation of the patient, which makes him/her to feel safe, the wearable robot allows patients to walk as of the very first session, which has a positive impact on the psychological response of the patient (Kim, JaYoung, 2018).
Robotic therapy using wearable robots is very expensive, however, cost decreases with increase in the number of hours of use. The difference between the cost of robotic and conventional therapies is considerable. Compared to wearable robotics, the cost of the use of operational machines is more economically sustainable since it is relatively cheaper to purchase (Kim, JaYoung, 2018).Free essay samples and research paper examples available online are plagiarized. They cannot be used as your own paper, even a part of it. You can order a high-quality custom essay on your topic from expert writers:
EffectivePapers.com is a professional essay writing service committed to writing non-plagiarized custom essays, research papers, dissertations, and other assignments of top quality. All academic papers are written from scratch by highly qualified essay writers. Just proceed with your order, and we will find the best academic writer for you!
Works Cited
Carpino, Giorgio, et al. "Assessing effectiveness and costs in robot-mediated lower Limbs rehabilitation: a meta-analysis and state of the art." Journal of healthcare engineering 2018 (2018).
Dixit, Snehil, and Jaya Shanker Tedla. "Effectiveness of robotics in improving upper extremity functions among people with neurological dysfunction: a systematic review." International Journal of Neuroscience (2018): 1-15.
Kim, JaYoung, et al. "Effects of robot-(Morning Walk®) assisted gait training for patients after stroke: a randomized controlled trial." Clinical rehabilitation (2018): 0269215518806563.


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Canelo Has "No Respect" For GGG
The trash talk coming from Abel Sanchez and Gennady Golovkin has done nothing but fuel Canelo Alvarez, as they prepare for their highly anticipated rematch on September 15th in Las Vegas.
Alvarez has taken shots from Golovkin and Sanchez due to his testing positive for clenbuterol earlier this year and forcing the postponement of their originally scheduled May 5th fight, due to a six month suspension from the Nevada State Athletic Commission.
That coupled with Sanchez claiming that Alvarez "ran" during he and GGG's initial 2017 draw, has caused whatever respect that Alvarez had for his September 15th opponent to go out the window.
"The little respect I had for [Golovkin] was lost, he crossed the line with so much of what they said, so much crying that they brought into this… this will help me get everything out in the fight. What I want is to show him that words always come out in excess," said Canelo.
Initial Report: Boxing Scene


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Purdue vs. Gonzaga: Odds, spread, over/under and other Vegas lines - November 20
The Purdue Boilermakers (3-0) will attempt to extend a three-game winning run when visiting the Gonzaga Bulldogs (2-0) on Monday, November 20, 2023 at SimpliFi Arena at Stan Sheriff Center. This contest is at 5:00 PM ET on ESPN2.
In this article, you can take a look at the spread and odds across multiple sportsbooks for the Purdue vs. Gonzaga matchup.
Purdue vs. Gonzaga Game Info
- When: Monday, November 20, 2023 at 5:00 PM ET
- Where: SimpliFi Arena at Stan Sheriff Center in Honolulu, Hawaii
- How to Watch on TV: ESPN2
Catch college basketball action all season long on Fubo!
Purdue vs. Gonzaga Odds, Spread, Over/Under
Take a look at the odds, spread and over/under for this matchup available on individual sportsbooks.
|Purdue Moneyline
|Gonzaga Moneyline
|Purdue (-4.5)
|Bet on this game at BetMGM
|Purdue (-5.5)
|Bet on this game at FanDuel
Sportsbook Promo Codes
Purdue vs. Gonzaga Betting Trends (2022-23)
- Purdue put together a 14-16-0 ATS record last year.
- Last season, the combined scoring went over the point total 14 times in Boilermakers games.
- Gonzaga went 14-20-0 ATS last season.
- In Bulldogs games last season, the combined scoring went over the point total 19 times.
Purdue Futures Odds
- Odds to win the national championship: +1100
- Purdue is second-best in the country in terms of its odds to win the national championship (+1100), but only third-best, according to computer rankings.
- Purdue has an 8.3% chance of winning the national championship, based on its moneyline odds.
Gonzaga Futures Odds
- Odds to win the national championship: +3000
- Gonzaga has a 3.2% chance of winning the national championship, based on its moneyline odds.
Check out all the futures bets available at BetMGM!
Not all offers available in all states, please visit BetMGM for the latest promotions for your area. Must be 21+ to gamble, please wager responsibly. If you or someone you know has a gambling problem, contact 1-800-GAMBLER.
© 2023 Data Skrive. All rights reserved.


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One of the problems with our previous budget was the inability to budget down to zero. We had categories with a set amount to spend, but there wasn't a good way to deal with being over-budget or under-budget in a category and we were never quite sure how much we had leftover that we could put toward debt. I am in love with the way we are able to give every dollar a job now and put the maximum amount toward our student loan debt.
I want to show you how our we budget every penny at the beginning of the month and how it works for us. I will walk you through how we budgeted (our actual budget) for May.
We are "living on last month's income," which means that when paychecks and other income come in during the month, we earmark it to be used the following month. Then, at the beginning of the new month, we know exactly how much money we have to work with that month.
In order to live on last month's income, you will need a buffer of a month's-worth of expenses. It may take several months of saving or using your tax return or other chunk of money to get into a position to live on last month's income. It is worth every effort! There is so much peace of mind that comes when you aren't living paycheck to paycheck, making sure to time the credit card payments just right so that nothing bounces.
Update: I have since written a detailed explanation on how and why we live on last month's income.
Beginning of the Month
At the start of May, we had $3,795.95 to budget, which was all of our income during the month of April. Our ready-to-budget income is slightly higher than what I reported as our earnings during April. When I calculate and report our earnings each month, I report the net income from online sales (fees and shipping taken out), but the ready-to-budget income for the month includes payments I receive from Etsy and Ebay, before fees and/or shipping are taken out of them, since fees and shipping are one of the budgeted categories.
Allotting Money to Categories
This is the fun budget-y part! We go through the categories, starting with the most important ones.
- Tithing–
In May, we pay tithing of 10% of what we earned in April. We have always paid tithing, but we've scheduled it differently in the past. With the way we do it now, we know exactly how much it will be since we pay on last month's income, so there isn't any guessing.
- Fixed Monthly Bills–
These are bills that have the same amount due each month. They require no guesswork. For us, health insurance, car insurance, cell phone, and our dental discount plan all fall into this category.
- Everyday Expenses-
These are the categories where most of the action happens during the month. The categories we use are gas, groceries, clothing, household, and fun.
- Business Expenses–
Someday, we might have our own business budgets, but for now they are a part of our family budget. Our business categories include various category types.
- Some of these are fixed–For example, the law practice expense of $44.10 each month for law practice management software is the same each month.
- Some are variable but known— I know at the beginning of the month what I will owe in Etsy fees since my Etsy bill is calculated on the previous month's sales and postage I purchased through Etsy.
- Some are very variable–For example we budgeted a guesstimate under Lawyer Marketing because my husband is hosting a seminar and we aren't sure what the total cost will be. Other months, this category just includes a print ad.
- Some are just their own thing— Since my husband often makes purchases for work or scouts or church that he is reimbursed for, I keep a category to track those purchases. It should zero out by the end of the month.
- Periodic Expenses-
We think through the month and budget forany periodic expenses that are coming up that month, like car registration renewal, life insurance premiums, birthdays, medical bills, or car repair. If we weren't in a total debt repayment mode, most of these would be sink funds, where we would allot a certain amount to them each month so that when the planned periodic bill came up the money would all be there ready to go.
You'll notice that there are no credit card bills on my list. Once you get going on YNAB you don't have to worry about where the money is going to come from to pay your current credit card bills because all the purchases made on your credit card are accounted for in your categories. The money to pay the bills is just chilling in our checking account. I don't worry about it accidentally getting spent because we always spend according to our categories in YNAB (not the balance of the checking account).
When you start YNAB, your credit cards will each have their own category (called "pre-YNAB debt) until you pay off the balance that was already on the card. New purchases after starting YNAB will not add to that credit card category because they are accounted for in their actual category like "clothing" or "groceries."
Allotting Money to Debt
After allotting money to all our categories in May, we had $1,726.63 that we could potentially put toward debt in May. We didn't want to pay every last penny on the first of the month though, because there are still thirty more days where unexpected expenses could pop up.
We like to pay a big lump toward debt at the beginning of the month,but leave another chunk in a holding tank category until the end of the month. Usually we pay a round-ish number, but we were pretty close to getting one of our debts paid off, so our debt payment at the beginning of May was $1,459.38. The remaining $267.25 is in our hold tank creatively titled "End of the Month Payment."
When we go over budget on a category (accidentally or intentionally), our first line of defense is to adjust the budget in other categories. For example, if it looks like we are going to be over on gas, I will subtract from our clothing budget and add it to the gas budget. If an unexpected expense comes up (like bad news at my dentist appointment this month), then I will have to get the funds from the "End of the Month Payment" category. Anything beyond that will be taken from the Emergency Fund (and later repaid).
A few notes on debt: We are in an unusual position right now that we don't have any minimum payments due. If you have minimum payments, make sure that you are paying at least the minimum due on those. That should be high in the priority list when allotting your money into categories. If you have multiple debts, they should each have their own category. Since all of our debt is student loans, we keep the debt category to just these two categories.
At the End of the Month
At the end of the month, there is usually some money remaining in the "everyday expenses" categories since we don't spend exactly $300 on groceries or exactly $500 on gas. I add whatever is remaining in each category at the end of the month to the "End of the Month Payment" category. When the balance of each category is zero, I make a debt payment for the amount of the "End of the Month Payment" category.
Update: I have since written a detailed post about this: Maximizing Our Debt Repayment at the End of the Month
The exception is the cell phone category. Instead of sending my dad a check for $20 each month, I let that category accumulate for a while before I send a check. This month it will be up to $100, so I will probably send off a check. If I weren't trying to get every possible penny put toward debt, I could let the extra money in a category "roll" into the next month's budget.
You can do it too!
You don't have to have YNAB's software to make a budget like this work, though it is convenient and motivating. You could set up something on your own if you like. It's no secret that I am a do-it-yourself penny pincher, but even so YNAB has been worth every penny. You can try it free for 34 days. Be sure to check out YNAB's amazing live online classes so you can make the most of your trial.
However you do it, budgeting down to zero can have amazing results. Zero-based budgeting will let you take charge of exactly where each dollar goes, so not a single dollar disappears. Have you noticed how they tend to disappear if you don't watch them closely?


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This body of work continues to examine a theme which was developed from my previous work 'not gun'. It investigates a collective semiology from not just post conflict society in Ireland but also the ubiquitous icons of violence that constantly recur in contemporary visual culture. The iconography of the weapon from childhood toy to modern conflict in urban society has embedded itself in collective memory, of course in an Irish context, but also in our everyday existence in an information-led global village experience. The works exploit and investigate weapon based toys and their source both online and constructed while testing memory and image response.The interweaving of innocence with implied threat, the mixing of the obviously untrue with the unstated possibility of meaning, draws upon influences such as Boyd Webb and Joan Fontcuberta. The desire for the unreal to become true and to therefore question our understanding of truth within the photograph is intrinsic to the embedded narrative of the imagery. The work can be viewed either literally or, because of the spectator's life experience, as a metaphor and memory jog.The works shown in this exhibition were titled as part of the series, all 59.4 cm x 84 cm.
|Original language
|Publication status
|Published (in print/issue) - 31 Mar 2011
|Peter Neill Photographs - Fenderesky Gallery / Belfast
Duration: 31 Mar 2011 → 23 Apr 2011


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The Little Book of Market Myths: How to Profit by Avoiding the Investing Mistakes Everyone Else Makes
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Kenneth L. Fisher
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Jonathan Hogan
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February 2014
3 hours 51 minutes
Everybody knows that a strong dollar equals a strong economy, bonds are safer than stocks, stocks are more volatile now and stop-losses are a smart, money-saving tactic . . . right? These are just a few widely believed but potentially dangerous market myths New York Times and Wall Street Journal bestselling author Ken Fisher dismantles in this wise, informative, wholly entertaining new book. As a long-term Forbes columnist and CEO of a global money management firm managing tens of billions for high-net-worth individuals and institutions, Ken knows a thing or two about what works and what's bunk when it comes to investing wisdom. Bringing together some of Ken's best myth debunking and market sleuthing of the past twenty-five years, in an easy-to-digest, bite-sized format, The Little Book of Market Myths exposes some of the most common-- and deadly-- myths investors swear by. And he demonstrates why subscribing to the rule-of-thumb approach to investing could prevent you from reaching your long-term investing goals. But this book is more than just a list of myths. One after another, Ken takes each commonly held belief or 'surefire' strategy and explains why the myth persists, why it doesn't work and just how damaging it can be to your financial health. And each chapter is a primer on how you can apply the same 'debunking' tactics yourself, now and for the rest of your investing time horizon. Whether you're a novice investor or a longtime veteran, this book arms you with priceless insights to help you identify major errors you may be committing and help you see the world clearer-- so you can improve your investing results. Fun, insightful, at times, irreverent, The Little Book of Investing Myths offers vivid proof of the old adage 'the truth shall set you free'-- to increase the odds you achieve your long-term investing goals
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"I'm not afraid of storms, for I am learning to sail my ship." - Louisa May Alcott
Style Scout -Tiger Darrow
Hi Friends,
It's not quite a ghost town, but it's close. I lived in the middle of all of the power outages, and walking around the morning after the hurricane hit on my street, you couldn't really tell that something had happened at first. It was just like waking up before all the shops had opened or something. Not as busy as usual, but there were still joggers out and about, and people walking around. But we were really all doing the same thing: surveying the damage. The post storm quiet was eerie and the sirens of the police cars and firetrucks that would go whizzing past in the surrounding blocks added to the sinking feeling in my gut as I stepped out the door.
The night of the storm was all jokes. But the kind of jokes that you use to take your mind off of the sound of the metal gates outside slamming in the howling winds. My suite mates were sitting around the table in our common room watching a movie and I was working on my laptop in bed. We were all crossing our fingers that the power would stay on, but we knew that sooner or later, we would be left in the dark. Especially when the lights started flickering. When they finally did cut out and the emergency lights in the hall switched on. "Here go our 90 minutes of emergency lighting!" my roommate yelled from the other room. I broke the glow sticks that I had bought at the store and put them in cups on the common table so we could conserve the batteries in our flashlights, and we opened our front door to let the hall light in. While my suite mates played cards, I sat outside in the hall with my drawing supplies.
Glow stick candles. The guy at the store laughed at me when I bought them, but they worked out nicely.
Along with our electricity, went our hot water, and then our cell reception. For about an hour, you could step just outside the building to send and receive texts, but eventually, that faded as well. I made a few futile attempts to get reception to text back home to let my mother know what was going on and get updates from her since none of us had any way of knowing the status of the storm.
My friend, Rahm, lightening the mood in the lobby just before the emergency lights went out
I moved my drawing to the lobby of my dorm-- where the emergency lighting was dimming rapidly--so I could periodically step outside to check my phone. I stood in the wind and drizzly pinprick rain, desperately waving my phone in the air.
There I was, with my phone out and false hope, watching the police cars and vans drive through the streets, patrolling for looters. I finally gave up after about 15 minutes and stepped inside for the night. Once our emergency lighting cut out, there was really nothing else to do but shut off our phones to conserve battery and sleep until there was light again; so, everyone in my suite got settled into our beds for the night and fell asleep to the sound of the residual winds of the storm outside our windows.
My roommate and I woke up at around the same time. Since we live on the second floor, and we're wedged between buildings, we don't have too much in the way of natural light in our room, and it takes us a while to get up without an alarm. We were out of bed at around noon. I was stir-crazy from being inside and not being able to communicate with anyone outside of my dorm, so I went out on my own to investigate. Half to see what had happened to the neighborhood, and half to see if I could get some cell reception and find out what was going on.
My "go bag" I prepared in case of emergency evacuation.
It feels like something out of The Walking Dead in lower Manhattan. Most stores are closed. The windows are dirty from the rain and wind. It doesn't help that there are Halloween decorations in a lot of the stores—the easiest decoration being spider webs-- to add to the eerie ambiance of the city. The stores that have decided to open for business don't have electricity, so patrons must use flashlights in addition to the battery-powered electronic candles that some store owners have set in the corners. At a glance, it looks like zombie apocalypse-survivors are scouring the aisles of stores they've broken into for provisions. You have to look twice to see that they're actually meant to be there.
A dangling sign on 3rd Ave, near where I live.
Walking a few more blocks north, there are a few stores that somehow have power--possibly a backup generator-- including a 7 Eleven, that by around 2pm had set up tables with surge protectors outside for people to charge their computers and phones on. The line for these outlets stretched around the block as bundled New Yorkers rapidly sent messages to their loved ones and checked the news. Other lines were for food at the few bodegas that opened their doors to customers despite the lack of electricity. Some places opened, but put signs outside saying what they could offer at that time, like one restaurant on the corner of Union Square that had a handwritten sign saying "falafel fries only."
7 Eleven just a few hours before setting up tables as charging stations.
I kept walking and snapping photos--going nowhere, really--when suddenly, at around 27th st, my phone buzzed. Text and email tones came pouring out of it. I looked around and saw that on my block, street lights were working. I had reception. Instantly, I called my mother to give her an update, and check on what the news was. She warned me of rats and to be sure to watch for fallen cables and not-yet-fallen cranes.
The "not yet fallen" crane.
I continued to wander to see what it was like farther north. Everything was closed, and there were more fallen leaves than usual on the ground, but there was no damage to the buildings, and there seemed to be electricity. Everything looked untouched, but asleep. When I returned to my dorm, the glow-tape on the stairs up to my floor had given out--there was no way for it to charge up--so I used my phone as a light to find my way to my room. Everything was still. My roommate was there with one of her friends, but there was a strange, somber, calmness upon the entire building. I sat on my bed, unsure of what to do next, when I heard a knock on my door. One of my friends from down the street had made his way over to my place to check in on me and see what my plan was for the rest of the day. We walked to Kimmel, one of NYU's student activities centers, where we had been told there was electricity and wifi so we could figure out where to go next.
The other "landmark disaster spot": the fallen facade of the building on 8th Ave.
So many people were using the wifi in Kimmel and outside of NYU's library, Bobst, that connecting was difficult. I found that I could only get connected on my phone and when I was sitting outside the building. He and I sat in the cold passing my phone (his wouldn't connect at all) between the two of us, making living arrangements for the next 4 days via Facebook chat since we still couldn't get any sort of cellphone service. Once we had both found places to stay, we grabbed dinner and split a cab going uptown.
NYU began evacuating the dorms that didn't have electricity on Wednesday. Students had to be out by 3 PM, and any student that didn't have a place to stay off campus was sent to Kimmel or Palladium, one of our dorms on Union Square that has electricity in its lobby, though there's no reception, wifi, or electricity in individual rooms. I woke up at around 7:30 AM because I was so incredibly fortunate to get to stay at a family friend's beautiful place with huge windows, so I woke up with the sun.
My beautiful view at 7:30 AM.
It was a beautiful day, and I knew I would need to get more clothing and my cello from my dorm before they locked students out of the buildings, since I packed a little too hastily the night before, so I figured I would walk to the East Village after making breakfast. One of my best friends sent me a text saying how beautiful it was outside and checked in to see how everything was going. I told her what part of town I was staying in, and as it turned out, she was staying a few blocks south of me, on the other side of Central Park. When I told her I was planning on walking to my dorm, she offered to meet up with me, because she needed to pick up a few things as well. We met at the bottom of the park and began our trek together, which ended up being a 160+ block walk.
Central Park
What struck me the hardest was how different uptown and downtown Manhattan were. The previous day, I had seen lines around the block for the few little food carts that were running on generators and stores that allowed their patrons to browse the shelves with flashlights. On my walk from the apartment down to my dorm, I saw lines for stores as well, but it was dramatically different. There was a giant line around the corner for the UGG store. I was shocked. How was it that only 40 blocks away, there was an entire community of people just hoping to get food, while these people waited in line for shoes?
The line outside of the UGG store.
There was also a huge line at the Apple store, but they were providing electricity for people to charge their phones… helping people keep in touch… not just selling shoes.
My friend and I continued our walk, and as we descended into downtown Manhattan, clouds began to gather overhead. The wind picked up. I was so glad to have made the journey with a friend instead of by myself. When you see a place like Union Square, which is usually bustling with life and the smell of different food carts every 20 feet, nearly empty, it's a shock. You look at your phone, and you have no reception. You feel alone.
A nearly empty Union Square.
After gathering what we needed from our dorms, my friend and I walked back uptown. We sat outside a cafe and had lunch together, reflecting on the storm, catching up, talking about boys and being girly. Upon returning to where I was staying, I was overwhelmed with a sense of complete joy and love over how many texts, emails, Facebook messages, and phone calls I had received checking in on my whereabouts and how I was doing. My friends and I have all been checking up on each other every day to make sure everyone is safe and sound.
The storm, as devastating as it was and continues to be, has created such a beautiful sense of community among NYU's students. I'm so grateful and so fortunate to have so many caring people in my life. It's rumored that we're to get electricity possibly by the weekend. If this is the case, I know everyone is eager for life to return to normal, but for now, I'd say we're all doing alright, and I'm proud of the way everyone is handling the storm. My heart goes out to those who were hit even harder by Hurricane Sandy and those who lost loved ones in the storm.
View looking back on Lower Manhattan.
"Be thou the rainbow in the storms of life. The evening beam that smiles the clouds away, and tints tomorrow with prophetic ray." - Lord Byron
Until next time, Tiger


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Here is a card I made with a soon to be released image from Squigglefly. This fireworks image is by a new artist, Sandra Caldwell. This image and many other will be released at the Squigglefly store on June 7th. Be sure and check them out.
My Blog List
Thursday, May 29, 2014
Squigglefly - Sneak Peek of a New Release
3 comments:
Awesome card for the 4th of July - Love the "country look" of your papers - all subdued red, white and blues - so YOU!! Your fireworks coloring matches perfectly and the corner stars are a great embellishment! WTG, Shirley!ReplyDelete
Cute 4th of July image Shirley. Fun card with very fun colors. Cute sneak peak! Hugz!ReplyDelete
Just fantastic Shirley ! Your paper is perfect ! Hugs, blessings and love from CatherineReplyDelete
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Cool Jazz Countdown
The Cool Jazz Countdown is a weekly survey based on national jazz chart movement, listener feedback and local radio airplay. It highlights the Top Ten Jazz Albums of the week within the Traditional and Contemporary genres. It's hosted by radio vets Marcellus "Bassman" Shepard and Kyle LaRue as they share the latest information about the artist including biographical information, little known tidbits, and sidemen playing on the project, producers of the CD and background information on the music label.
The Cool Jazz Countdown includes the New Music Feature of the week in which we highlight a forth-coming album release. Then we present the artist to you with our "On the Line" interview segment where we talk directly to the artist.