text:
Extreme Makeover: DL Edition
It has been a busy summer and start of the school year for the Distance Learning Team at CA BOCES and our districts that purchase the 420 CoSer. We are hosting or receiving ten video conference courses that involve ten of our CA BOCES regional schools, one school from Erie 2 BOCES and two schools from Central New York. Installation of Zoom video conference equipment from the 2017 RUS Grant is complete along with upgrades within buildings as requested.
Two highlights from Distance Learning Makeovers in districts:
Scio has two different, but very similar systems. They made over their Polycom Distance Learning Room with a Zoom Room featuring two 55" screen displays and Zoom video conference equipment. In addition they made over their Polycom portable carts with a Zoom Cart which also has a dual display and the Zoom video conference equipment. Scio is offering and receiving four video conference courses this fall. The pictures below show the Zoom Room equipment in the made over Scio Distance Learning Room.
Belfast has remade their Polycom Distance Learning Room with a Zoom Room and has installed equipment and is utilizing Zoom video conference software in three additional classrooms. These makeovers allow Belfast to host and receive five video conference courses this fall. Pictures below show two Belfast classrooms that had a makeover using Zoom.
Like most home remodels, a Distance Learning makeover it isn't always on time or without its challenges. Our tech support has been instrumental in helping overcome hurdles and challenges. That said, we are also learning how to best use Zoom to enhance learning and teaching. Kudos to our CA BOCES tech support for doing research and finding solutions and to our distance learning teachers across the region for taking a risk and innovating their classrooms as the technology available to them enhances learning.
By: Karen Insley, CA BOCES Learning Resources
We have been busy with two new improvements in Moodle this summer.
First, we have upgraded our Moodle site to version 3.6. New features in Moodle include:
Second, we have partnered with Intelliboard to provide Moodle instructors with a dashboard that will display course information. Intelliboard offers an abundance of instant data from your course which provides instructors with real time data on student progress, completed assignments, and a big picture view of the course. Reports can be generated that provide detailed and specific information about the course and the participating students.
Both of these improvements are value added to our already free Moodle site.
You can learn more about any of these at our Moodle Users workshop on Wednesday, August 28th or contact Karen Insley at firstname.lastname@example.com.
To register for the workshop, have your district representative register you at: www.register.caboces.org.
By: Karen Insley, CA BOCES Learning Resources
Moodle is a learning management system that is free, supported locally and readily available to component districts in the Distance Learning CoSer. Not only can you share documents or artifacts in your course, but you can add journals, discussion boards, videos, quizzes/tests, poll and much more to encourage interaction between you and your students, your students and the content, and student to student. Moodle will even grade assignments for you, after you set up the assignment to do so. To learn more about how to access Moodle or how it could benefit you and your students contact Karen Insley: firstname.lastname@example.com. You can also access Moodle via guest access at moodle.caboces.org/demo and log in as a guest.
Current uses of Moodle across our region:
Future uses of Moodle across our region:
How will you use Moodle to benefit your students and yourself?
By: Karen Insley, CA BOCES Learning Resources
Attention: Middle and High School Teachers! Some virtual Field trips just for you!
Would you like to connect you students to an expert in your field, have your students experience something specific to your content area, or extend a topic? What about a really cool review activity that you don't have to create or manage? Then look no further! For districts that participate in the Distance and Online Learning CoSer 420, you have the world at your fingertips. We offer virtual field trips for all grade levels and content areas. We will even take care of the tech connections for you! Here are some examples of what is available:
The Constitution at Work
Flagler's Flippers Fins and Fun Facts
Science of Seeking Snacks: Learn About Your Senses Through Mantis Research
Homestead Act of 1862
Ship to Shore- EarthEcho Expeditions: PlasticSeas Virtual Field Trip
America's Signs & Symbols
For more information and other suggestions for virtual field trips, contact:
How to Find a Virtual Field Trip for Your Class: Any Grade Level ~ Any Content Area
Have you thought about connecting your class to an expert in the field, but don't know where to start? There are plenty of FREE and bee-based trips for you to choose from. Simply follow the easy steps below to open the doors for your class.
What are you waiting for? Imagine your class interacting with a zoologist, a park ranger, or a musician…all from the comfort of your school!
It's a new year and CA BOCES' is releasing its new online course catalog for electives and core courses for the Spring 2019 semester, bringing updated information and an easy guide to signing your students up for online courses.
The online department has been growing and perfecting its offerings for over a decade. Through that process, the distance learning team has searched for the best possible classes to offer students residing throughout Allegany and Cattaraugus counties. The team is constantly on the lookout for new opportunities to make sure that students in this region can compete with college-ready students across the nation, including having the technological skills and online interactions necessary to compete in today's world.
Literacy is an invaluable tool, and digital literacies are a vital part of that. Educators are responsible for teaching this aspect of education as much as any other both ethically and as emphasized through the ESSA guidelines and funding opportunities for school districts. According to the U.S. Department of Education Office of Educational Technology, "Technology can be a powerful tool for transforming learning" and "can help […] reinvent our approaches to learning and collaboration, shrink long-standing equity and accessibility gaps, and adapt learning experiences to meet the needs of all learners." Accordingly, students who have opportunities in online education learn how to participate in discussion forums, online collaboration, and digital assignment submission. Further, students receive feedback in a digital format (video responses, interactive comments, and email to name a few), develop self-advocacy skills, and experience giving online presentations and conducting online research. Through all these experiences, they become adept and fluent contributors and collaborators in a digital learning environment.
Looking into our students' futures, online courses are part of most college and university programs. As educators, we have an obligation to make sure that students are ready to navigate all types of course content and structures, learn to communicate in a fully digital realm, and have a firm grasp of online etiquette in order to be prepared for their future college classes in an ever-expanding digital world. Offering online classes to our students in high school, means that they will have a guided experience with a mentor, have the flexibility to develop their own online learning style, and have the safety of someone to assist if the need arises, unlike in many college environments where students are on their own to figure out the details AND to succeed in an online environment with often costly outcomes if they are unsuccessful.
Knowledge gained in online classes is essential both from the experience of learning in an online environment and from the strategies acquired to learn in a different. These skillsets are broad and range from practicing collaboration needed work with a team in most occupational environments to knowing online platforms enough to attend Harvard's next online business course. Students will be ready to compete for college acceptance letters and job markets because they have had a chance to experience online learning in a high school setting.
For more information about online learning, video conference courses, or credit recovery options, please contact Distance Learning at 716-376-8270.
By: Christina McGee, CA BOCES Learning Resources
change can be good!
Imagine, if you can, a world where teachers are given choice in their professional development, where they lead their own research and collaborate with others to hone their craft. You wouldn't have to imagine too much if you are familiar with the Collaborative Research and Development Professional Development instituted by the administrative team at the Wellsville Secondary School of Mary Ellen O'Connell (Secondary Principal), Jason Mank (Assistant Principal) and Rick Bull (Assistant Principal).
After some initial planning and collaboration by the administrative team, Mary Ellen contacted me with the idea and from there we created a Moodle course on Poverty around Poor Students, Rich Teaching by Eric Jensen, a FlipGrid component (thanks to Mark Beckwith for this idea and support) for reflection and as an instructional classroom tool. The team's vision was to create opportunities for teachers to select to collaborate with others in their building around their four main initiatives for the year poverty, assessment, PBL and positive relationships with students and families.
Teachers may be researching and collaborating around something they saw at a BOCES workshop, or a conference or that they read about and want to dig into deeper. Mary Ellen created the opportunity for that research to happen for them by replacing three faculty meetings with three hours of collaborative research and development with a requirement to use FlipGrid to share their learning and reflect on their practice. Teachers have four checkpoints (30-60 second videos) along the way where they get to share their learning and how they apply new knowledge their classroom practice.
To date, the administrative team has seen an increase in general collaboration among colleagues, an increase in FlipGrid use as an instructional tool by teachers in their classrooms and a deeper dive by teachers into areas of interest based on instruction or content. Mary Ellen stated "The engagement and interaction on FlipGrid has been unbelievable! We have only completed two of the four "checkpoints" and already my faculty has accumulated 3,500 views and over 21 hours of time online learning from each other's research. It is clear they enjoy learning from each other's experiences and research. I'm also very sure they love not attending traditional faculty meetings and they are having fun with the flipGrid format."
If you had a chance to read the ASCD Educational Leadership journal When Teachers Lead their Own Learning in November 2018 you can note some of the same elements (choice, flexibility, personalization) from those articles in the work that the administrative team from the Wellsville Secondary School has created for their building. Change can be good!
By: Karen Insley, CA BOCES Learning Resources
Online Learning is an Attractive Addition for Student Transcripts in Our Region
The distance learning team at CA BOCES, including Christina McGee, Justine Lombardi, and Karen Insley, have been busy traveling all over the region getting students enrolled in credit accrual and credit recovery courses. Students have a chance to increase the breadth of their transcripts, develop interests, try out vocational fields, and develop skillsets that can't be offered within their districts. Further, if students are on medical leave or injured, they can keep up with their curriculum, and even with gym classes, in an online setting. Students also have opportunities to recover lessons, units, quarters, and semesters through the CA BOCES credit recovery program, meaning that students can catch up before they need further interventions. The CA BOCES team offers courses through seven different providers, including courses taught by our own teachers, Christina McGee and Justine Lombardi.
The most popular courses this year are Sociology, Health, Forensic Science, Marine Science, Physical Education, Spanish, Careers in Criminal Justice, English 10, Introduction to Military Careers, Physics, and Psychology. Students are also learning about astronomy, sports marketing, digital art, 3D Modeling and animation, world religions, mythology and folklore, social problems facing the world, and many other notable studies.
For more information please contact Distance Learning at 716-376-8270.
By: Christina McGee, CA BOCES Learning Resources
A truly successful schooling experience for students starts with a healthy and supportive school climate. Above all else, when students know they are cared for, they can truly focus on their educational experience and learning all that they can. Two staff developers and over thirty teachers and administrators from around the region took it upon themselves to collaborate and discuss ways to make positive changes to their school climates to better the learning experience of our students!
In late spring, Tessa Levitt and I had an idea to do a professional book study around a book we were both highly interested in ourselves, Lead with Culture, from author and Principal Jay Billy. This book is one of the Dave Burgess Publishing Company's titles, made famous from the Like A Pirate series of books. We discussed different methods for how we wanted to approach this book study, and we both knew we wanted to try something "unconventional" in the sense of our current professional development opportunities.
We eventually decided that with it being summer and all, we wanted any participation to be completely voluntary from those interested in the book study. We also wanted to harness the power of the summer, and conduct the book study from an online platform, where participants wouldn't need to physically be all in the same place to share ideas, discuss topics, and raise their questions to one another. In the end, we created a Facebook group, #BOCESLeads Summer Book Study, and anyone that expressed interest in participating in the book study was invited to join the group.
We met in person once, at the beginning of the book study, to distribute copies of the book to the participants, and to outline the dates and the layout of the Facebook page itself: We would meet online, from 8:00-9:00 on the Facebook page, Tessa and I would post questions from a few chapters at a time, and they could respond and share ideas and questions with one another, with Tessa and I there to help moderate and facilitate discussions.
The support and discussion from the participants were highly overwhelming! The amount of ideas shared and questions posited to one another were powerful, and really made this an interesting and unique experience for professional growth. The response from the participants was also noteworthy, as they liked being able to chime in from wherever they were at the time, and if they missed the discussion window, they could still go to the Facebook page and comment or discuss between the arranged question-posting days. The flexibility and freedom were lauded from those who took part!
Once the book was completed, we were excited to commence upon the final aspect of the book study: a live chat hosted on Zoom with author Jay Billy! Participants were able to take part in an online discussion forum with Jay himself, who answered their questions, shared advice, and helped spur more creative ideas for those who were able to join in. The session was also recorded and posted on the Facebook group page for those who were unable to make the meeting, so they could view it at a later time.
Overall, this experience was a phenomenal new approach to combating some logistical issues that we all experience: wanting to take part in something, but time and location not cooperating to allow it to happen. The discussion was rich and powerful, and multiple great ideas were shared and collaborated upon throughout the course of studying this excellent book. One of the most impactful results from this book study? The request to keep the discussion going over the course of this school year through the online group page and with regularly scheduled meet-ups for those that can attend, bringing that flexibility and freedom even further into the process. We look forward to continue documenting the journey of the region in regards to building and supporting the students of our schools through a positive and caring school climate and culture. When all else fails, lead with culture!
By: Ryan McGinnis, CA BOCES Professional Development
On August 14th, ELA teachers from the region connected to the Globe Theatre in London to learn and explore the play Macbeth with the guidance of a Shakespearean actor. The teachers spent approximately three hours with the actor as they explored ideas to help bring Macbeth to students in their classrooms in new or different ways. Plans are in the works for another connection with the Globe Theatre. Stay tuned for more details!
Constitution Day is September 17th. Check out these resources for grade level appropriate content.
International Dot Day will happen near September 15th. The day is based on the book, The Dot by Peter H. Reynolds. You can find more information about the international events here: www.thedotclub.com and follow email blasts from our Distance Learning Team.
How can we connect your students to the world around them?
By: Karen Insley, CA BOCES Coordinator for Distance Learning
May virtual field trips
Take your students on a trip...without leaving the classroom. Virtual field trips are a great way to connect your students with experts from around the world. Download our May Virtual Field Trip guide.
Schedule a trip:
Carrie Oliver, 716-376-8270, email@example.com
Karen Insley, 716-376-8281, email@example.com
all Schools day
All Schools Day brings component districts together to share Video Conference courses from within and outside the region. CABOCES Distance Learning hosted a successful All Schools Day February 9th. Lead by the Distance Learning Coordinator Karen Insley counselors and administrators from nine districts met in person and over Zoom to offer and seek video conferring courses. Video Conferencing courses are live courses where students and teachers meet from different locations utilizing a video and audio connection. Exciting offerings for next school year include College Biology from Belfast, College Sports Management from Boliver-Richburg, College Calculus from GV, and a suite of Agricultural Business courses from our partners in the Erie 2 BOCES region.
You can learn which video conference courses are available for the next school year on the Distance Learning Database located on the CABOCES Distance Learning webpage. The guest username and password are distance.
By: Justine Lombardi, CABOCES Learning Resources
BOCES and eleven regional school districts have been awarded the USDA RUS Distance Learning Grant, totaling $466,686.
Last week District Superintendent Lynda Quick, Esq. learned that Cattaraugus-Allegany BOCES has been awarded a grant for $466,686 from the United States Department of Agriculture (USDA). The grant, known as the Rural Utility Service (RUS) Distance Learning grant, will be implemented by Cattaraugus Allegany BOCES and eleven area school districts to upgrade video conferencing equipment and other technologies.
The equipment upgrades will provide all three Cattaraugus-Allegany BOCES Career and Technical Education (CTE) Centers, as well as Belfast, Bolivar-Richburg, Cuba-Rushford, Franklinville, Friendship, Genesee Valley, Hinsdale, Olean, Salamanca, Scio, and Wellsville Central School Districts, with new portable, high definition video conference capabilities that schools will use to provide students and teachers with a variety of distance learning opportunities including videoconference courses, virtual field trip experiences, and expanded access to nanotechnology capabilities.
This is not the first USDA RUS Distance Learning grant received by Cattaraugus-Allegany BOCES and component school districts. The Distance Learning Team at CA BOCES has been applying for and receiving RUS grants since 1997, resulting in eight previous awards and millions of dollars in equipment for our schools.
"Over the years, USDA funding has built a virtual school in our region," stated Lynda Quick. Over forty virtual classes connect via video conference every single day, allowing schools to share the instructional expertise of their outstanding faculty members. Additionally, hundreds of students to take other online courses because of this funding. These virtual courses are critical in expanding offerings in small rural schools that, over time, have been stripped of the ability to offer many (or any) AP, college credit, or elective courses to their students.
Lynda Quick also shared, "This award helps put a dent in leveling the playing field. It helps our students build a transcript that can be competitive in the post-secondary arena." Grant implementation will begin immediately.
In addition to the virtual field trips we offer, FieldTrip Zoom allows students the opportunities to visit faraway places and interact with experts in a particular field, museum, aquarium, etc. FieldTrip Zoom offers both interactive and recorded opportunities for teachers to bring the world into their classroom. This is in addition to the virtual field trips that we have traditionally offered. Contact Karen Insley or Carrie Oliver to get more insight into this great offering.
To Access Fieldtrip Zoom:
Teachers create an account (using their school email) at fieldtripzoom.com, book a program that fits your schedule from the Zoom Zone calendar, and then you and your class can sit back and enjoy the trip! There is no need to fill out a request form for the Zoom Zone trips since you book them on the FieldTrip Zoom Zone calendar.
You can also connect anywhere with Zoom. Each district in the Distance Learning COSER is given a Zoom Pro Account for use with administrators, faculty, and students. Zoom allows multi-user video conferencing, small group conferencing, content sharing, and so much more! Zoom is very user friendly and versatile. How will you use it with your students?
Contact Karen Insley for training or suggestions for Zoom use within your district.
By: Karen Insley, CA BOCES Learning Resources
The American Association of School Librarians recently released its updated National School Library Standards. Concepts imbedded in the new standards include shared foundations, key commitments, domains, competencies, and alignments which strongly supports new standards in school curricula. Recently, district librarians came together to review the standards and participated in collaborative activities and developed activities for student engagement.
Collaboration occurs through different venues and a Zoom meeting was used to connect more than 50 librarians from CA BOCES and Eastern Suffolk BOCES. Shared ideas for student engagement using library books included: Snowflake Bentley and making snowflakes, reinforcing the concept of symmetry, and a STEM challenge involving falling snowflakes; and Bill Nye's Germ book, growing germs, identifying bacteria, and a STEM challenge involving germ fighting products.
The Extraordinaire Design Pro kit was introduced for Maker Space ideas with some participants enthusiastically embracing the design challenge. Also demonstrated was the use of Zome Tools for grades K-12 with ideas for ELA activities and STEM challenges.
With Zoom's increasing availability, participants were encouraged to consider its use in connecting students to learning beyond walls, buildings, and geographic locations.
By: Cece Fuoco, CA BOCES Learning Resources
Digital Learning Day, hosted by Betsy Hardy, Distance Learning Coordinator for Cattaraugus-Allegany BOCES (CA BOCES), was held mid-March this year at the Main Center in Olean. There was a record turnout from neighboring districts, with more than 55 educators from across the region including attendees from six regional BOCES, traveling to learn about implementing online learning in their districts or how to enhance current programs.
The day was split into rotating sessions with vendors that CA BOCES currently has partnerships with or with vendors that may be of future interest to any district hoping to broaden depth of transcripts, assist struggling students with unit, quarterly or full credit recovery, or generally provide multiple pathway of learning for their students. The day's focus was on credit accrual or electives through Edgenuity, world languages, CTE courses, and electives through EdOptions Academy, unit and credit recovery through APEX Learning, homebound tutoring with iTutor, middle school content through Spider Learning, and K-12 collaborative and customizable digital content aligned to standards through Buzz at OHM BOCES.
Overall, the day was a huge success. At the beginning of the day, two rotating sessions with 25 minute overviews of the various kinds of curriculum and implementation methods were held. Lunch and breaks provided time to meet up individually with vendors to ask more district specific questions. The day was rounded out with presentations from Andover, Franklinville, and Allegany-Limestone sharing successful implementation stories of language programs, electives, and credit recovery programs respectively.
Fortified with information from the day, many districts are developing a plan for digital learning and reaching out to CA BOCES as they bring new curriculum to students across the region. For more information on online learning, please contact Learning Resources at 716-376-8281.
By: Christina McGee, CA BOCES Learning Resources
What is blended learning? Are we truly blending learning in our region? Yes we are! Below are examples of Michael B. Horn - The Christensen Institute's blended learning models that are taking place across our region, and quite successfully!
While blended learning began in simple applications to serve students in situations where there was no other alternative, it has grown exponentially over the past ten years in the Cattaraugus Allegany region, where our region is recognized as the leader in online learning in New York State BOCES regions!
Michael B Horn's and Heather Staker's book, Blended: Using Disruptive Innovation to Improve Schools, lays out the process in a useful level of detail making it a must read for educators that want to take full advantage of tech-enabled learning. Staker shared, "I feel deeply sad when I see how many children do not have equal opportunities to high-quality schools. It's wrong that in a rich country with universal public education, zip code determines quality." But she feels fortunate to be living through the learning revolution where internet connectivity and personalized learning is "decimating old constructs about who gets what and introducing a new paradigm of shared access to the best learning experiences, regardless of geography." (Education Week article - http://blogs.edweek.org/edweek/on_innovation/2014/09/blended_a_conversation_with_michael _horn_heather_staker.html)
What educational "trend" do you think is helping students? Is there a trend that is getting in the way of learning? Michael B. Horn adds, "Online learning, particularly in blended learning schools, gives students more and more ownership of their learning, this is a big deal as it can allow schools to individualize for each student's unique learning needs." (http://dailyedventures.com/index.php/2012/11/08/michael-horn/)
How do these online learning opportunities benefit students? Danielle, from Allegany- Limestone, replied, "I wish that I could have studied this way from the beginning of the year. When I'm in a classroom with people, I get distracted, but using APEX is great. The program is really straightforward. It tells me exactly what I need to know. Some days I let it read to me and sometimes I read myself. I came from Pennsylvania and the work was harder and my Biology class was in a different place and the online class is helping me."
To learn more about successful blended learning models in schools, join CA BOCES in an Online/Digital Learning Showcase, where you can ask questions and view demos of 7 different online solutions for:
For more information about Digital Learning Day on Wednesday, April 19, 2017, from 8:00 a.m. - 1:30 p.m. at CABOCES Olean Center Conference Rooms, go to: http://dev.caboces.org/iss/calendar/2017-04.
By: Betsy Hardy, CA BOCES Distance Learning
Cattaraugus and Allegany County classrooms have reached an all-time high traveling virtually across the globe. Since the start of school 2,592 students have experienced opportunities to gain real world knowledge of various cultures from around the world. Historically, December Virtual Field Trips average 20 connections, but this year, Santa came to our region and brought our total to 103 trips in 3 weeks!
CA BOCES sends monthly trip highlights out to your Curriculum Coordinators, Tech Integrators, and Principals, so keep an eye out for these exciting opportunities. Some of these opportunities included National Distance Learning Week that was held November 7-11 in conjunction with the NYS Distance Learning Consortium. National DL Week allowed districts across the region to experience fee-based trips for free so that districts who had never seen a virtual field trip before could take part in this event. We expanded on these meaningful experiences at the NYS Middle School Association by showing districts how easy it was to connect to Ghana, Africa.
What better way to develop communication skills with students helping them to express their ideas culturally and academically through media sources. Students have opportunities to engage in collaborative discussions on curriculum topics, contrast cultural differences, and build language and logic to address details in directions. Below are some examples of content based trips:
Let CABOCES help you and your students take your next field trip virtually. All you need to do is click on the link below to see what's on the calendar for upcoming trips:
Or to search for your own classroom topic, you can do a keyword search and see the hundreds of trips available by clicking on this link:
Or, to let us search for a trip for you! All you have to do is click on this link, and we will take of the rest. You will just need to fill out the request form and we will arrange to take your students around the world, into space, or even back in time!
If you would like to learn more about virtual learning experiences, please contact Carrie Oliver at 716-376-8270 or Betsy Hardy at 716-376-8281 for more information. The opportunities are endless.
By: Betsy Hardy, CA BOCES Learning Resources
National Distance Learning Week is just around the corner (November 7-11). The attached flyer highlights the offerings being brought to you by CA BOCES in partnership with the providers. This is a great opportunity for districts and teachers to give a virtual field trip a try at no charge to the district during DL week only. This event is supported in conjunction with the New York Distance Learning Consortium for Cattaraugus Allegany BOCES that participate in the Distance Learning CoSer. For additional information about Distance Learning Week call or email: Carrie Oliver—firstname.lastname@example.com /716-376-8270
2:00 p.m. November 7, 2016 (3rd - 5th grade): Make and Take with Polymers
Take an inside look at the properties surrounding polymers. What are they? What do they do? Where do we find them? Who uses them? This approach will feature a discussion of chemistry base properties of solids, liquids and gases, and then compare polymers to these chemical concepts. Do polymers defy the rules of chemistry? We will also look into why they are important and what careers are involved. We will also demonstrate labs that can be easily conducted at home.
For more information on about the Perot Museum of Nature and Science, click this link h p://www.perotmuseum.org/events-and-programs/school-programs/sciencecast-distance/learning/ index.html
10:00 a.m. November 8, 2016 (4th-7th): Bodyworks
What does a real heart look like? How does its function relate to our brain, muscles, bones and lungs? This pro- gram uses preserved human specimens, anatomical modes, and physical exam techniques to impress your students with their own insides. From cells to issues to organs, we overview human skeletal, muscular, nervous, pulmonary and cardiovascular systems, relating their functions to healthy behavioral and nutritional choices.
For more information on about the Cleveland Museum of Natural History, click this link h ps://www.cmnh.org/ivc
1:30 pm November 9, 2016 (PreK - 2): Cobwebs for Christmas
Are you ready to add some "bling" to your Christmas? This fun and interactive lesson will explore the tradition of adding tinsel to Christmas trees. The charming folktale Cobweb Christmas by Shirly Climo is set in Germany and focuses on some curious spiders paying a visit to Tante's tree. Incorporating Science, Language Arts, and Technology standards, students will discuss characteristics of arachnids using observation, compare and contrast different arachnids, and identify key elements of our story.
For more information on about the Muskingham Valley Educational Service Center, click this link https://www.mvesc.org/
9:00 am November 10, 2016 (K - 3): How to Make An Artist
Students are introduced to artists and their work through picture-book biographies. During this program which makes strong connections between language arts and visual art, students create art in the style of Frederic Reming- ton and Georgia O'Keeffe. The program is a great intro to a fine arts museum.
For more information about the Amon Carter Museum of American Art, click this link h p://www.cartermuseum.org/learn/distance-learning
1:00 pm November 10, 2016 (K - 8): All About Matter
Bubbles, eyedroppers, dry ice and liquid nitrogen are a part of an incredibly interactive program focusing on states and properties of matter.
For more information about the Fort Worth Museum of Science and History, click this link h p://www.fwmuseum.org/distance-learning
It's For the Birds!
Are you looking for resources and don't know where to turn? Maybe you have some idea of what you are looking for and don't have the time to cull through the myriad options available. At the CABOCES Learning Resources center in Allegany, we will have a training in January for the teachers in our two county area, highlighting all that our Staff Specialists here can do for you and your students.
Learning Resources has recently had an increase in the amount of resources being used by our component schools, but there are still so many things being underutilized. So as part of this training, the Staff Specialists went through each branch of Learning Resources and how they can assist with curriculum and content, utilization of online and digital support, as well as providing tangible resources to use in the physical classroom. The teachers who have gone through the training before have been amazed at the hundreds of thousands of resources available and how each department can either assist with or provide instruction on the various aspects of digital resources and technology, STEM, Library services, and distance learning.
Both STEM and the Digital Media program provide kits that can be used in the classroom to aid instruction and provide hands-on activities. Online resources accompany those kits, as well as accessing the SNAP system to find additional support. The Distance Learning branch has many components, including Moodle and Mahara, credit recovery, virtual field trips, collaborative classrooms, online learning, and Adobe Connect. Additionally, our Library Resources offers support to all 22 school libraries in Cattaraugus and Allegany counties, implementation of the inter-library loan system, and provides online usage of Britannica and World Book.
If you are not utilizing any of these resources, only using some of them, or need to know more, come join us on January 12 at our Learning Resources center in Allegany, NY.
By: Alexandra L. Freer, CA BOCES
CA BOCES' Online and Distance Learning Program Earns Place on Stage with Renowned Author
Betsy Hardy, Distance Learning Coordinator for CA BOCES, was invited to present on a panel at a national conference last week alongside renowned author, Michael B. Horn. Michael B. Horn is the Co-Founder of Clayton Christensen Institute and author of Blended: Using Disruptive Innovation to Improve Schools. Betsy was asked to attend 2016 iNACOL Blended and Online Learning Symposium as an expert on implementing blended learning programs. During the panel, Betsy was asked a number of questions on strategies for introducing online and credit recovery programs, utilizing online portfolios in the classroom, and cited many real life examples of ways that districts have been successful in the Cattaraugus-Allegany region, as well as how program implementation has to be based on district individuality and specific needs. Some of the recommendations she gave included having a team set up the program, having a specific teacher or aide with students at all times while students work on their classes, and setting up multiple in-depth professional development opportunities for teachers.
One of the many remarkable insights that Betsy brought to the panel discussion, was her unique understanding of how rural districts utilize online and distance learning programs to help broaden the scope of student transcripts and give students unique opportunities to experience courses that otherwise would not be offered, as well as how online programs broaden student skillsets and exposure to a plethora of ideas and prospects. Betsy also noted the important role that credit recovery has played in the region, sometimes increasing graduation rates by as much as 10% in well-established programs with a dedicated aide for students working on their classes.
Betsy, alongside a renowned author, shared the noteworthy achievements and best practices that districts in Cattaraugus and Allegany counties have made as they move toward a blended environment, helping students obtain important 21st century skills. School districts should be proud that their implementation of blended practices has garnered national attention.
If you have any questions, or would like to learn more about blended learning opportunities and professional development, please reach out to Betsy Hardy, Justine Lombardi, or Christina McGee at (716) 376-8281.
By: Christina McGee, CA BOCES
While building contractors remodeled Fillmore School this summer, Fillmore teachers renovated their traditional classrooms to incorporate blended learning. Fillmore will be implementing 1:1 devices for their K-12 students, and the teachers are readily adapting their classes to incorporate technology into daily instruction.
The CA BOCES Learning Resources and Model Schools teams worked with Fillmore teachers at Tech Camp for three full-day workshops. Teachers were introduced to Nearpod's mobile interactive presentation software, Socrative's quick assessment tool, Moodle's Learning Management System, iPad Apps for Elementary and High School, CA BOCES Library and Media resources, and much more.
Opening discussion each day with the Fillmore teachers included:
Wendy Clark, who built a Moodle course she named Phenomenal Fourth Grade Readers shared, "I can't wait to use all of the fantastic apps that we learned about in my guided reading lessons! When we get our iPads; I'll be all ready to go thanks to our summer tech training days!"
Cristin Glasner, MS Science Teacher added, "I had an amazing experience this summer. I brought back a huge amount of new knowledge on new technology to use in my science class. I was especially excited to incorporate Nearpod, Moodle, WEO and Edge factor into my classroom. I am so excited about using this technology to engage my students in their STEM lessons, add in Brain breaks, and trying some flipped lessons. This technology helps me make my content more relevant to my students and draws them into the lesson. They have so much fun, ask great questions, and have a better retention of the content."
Every teacher at Fillmore has developed a Moodle course filled with interactive items for students, including: Math modules to reinforce math concepts, STEM videos, Music exploration videos, Spanish glossaries, Art concepts, Reading surveys, English journals and forums, Quizlet flashcards, Geography maps, News feeds from historical, language, STEM and Arts sites, and much more!
Fillmore's journey to a 1:1 classroom environment has proven to highlight some great new strategies and tools that teachers are embedding into their day. Placing technology into the hands of every student allows students access to continue learning beyond the typical school day. Shaping the future of blended learning and global citizenship within the newly remodeled walls of Fillmore Central School is on an exciting path to great success.
By: Betsy Hardy, Distance Learning Coordinator, CA BOCES Learning Resources
Nanotechnology Field Trip
Did you get the chance to watch the sitcoms where Phil and Sheldon were able to be in two places at once? Did you know that students in the Cattaraugus Allegany County region can also be in two places at once and stay part of classroom instruction from home or the hospital?
As part of the CA BOCES Distance Learning Coser, two VGo robotic devices are available to reserve for situations where students can't be in school. The VGo robotic telepresence solution is currently helping two siblings from Cattaraugus Little Valley Central School stay connected to their teachers, classmates, and instruction. Emmalee and Patrick are two fun-loving middle school students who many times throughout the school year can't physically attend school due to illness. Instead, Emmalee and Patrick can drive the VGo to every class and receive the same instruction as their peers, and they can even socialize with friends going down the hall.
The VGos were purchased as part of a recent USDA RUS grant that CA BOCES Distance Learning coordinates to help students stay connected to their studies. In the past, schools had to deliver course material to the student's home, now the student comes to school and engages in the course material first hand. All the student needs at home or in the hospital is a laptop or iPad with Internet access.
What are the benefits for the students and the parents? There are many, but let's learn from Emmalee and Patrick's mother how the VGo has helped her children stay connected:
How do teachers benefit from the VGo? Mr. Kaleta, Middle School teacher at Cattaraugus Little Valley, shared the following:
As the Staff Specialist for Distance Learning, I had the opportunity to visit Cattaraugus Little Valley to see how the teachers and students were adapting to the VGo. I walked into Mr. Conner's History class where the VGo was in action, and there was Emmalee's face, all smiles sitting straight up in her hospital bed learning about Puritans in the Massachusetts Bay. There could be nothing greater than witnessing a smiling student benefit from Distance Learning technology! The VGo provides the ability for students to participate in class, collaborate with peers, and socialize as a typical middle school student would.
If you have a student who could benefit from the VGo, please contact CA BOCES Distance Learning at 716-376-8270, and we will deliver the VGo to your school for easy access!
By: Betsy Hardy, CA BOCES
May 2019


text:
1800flowers api
Civil Engineering Applications for the use of consulting engineers, structural designers, and architects bruno s marketplace is a unique on-line store bringing you products from bruno s, sierra nevada and waterloo. Discounts average $51 off with a Udemy promo code or coupon we are committed to bringing you quality food products. 50 Udemy coupons now on RetailMeNot majorgolflesson. UC Small Farm Program - Home com is the official site of torrey pines pga teaching pro michael major 3d cad services streamline design process. Labor Management Seminars (English & Spanish) - San Diego Co neco inc. The University of California Cooperative Extension in San Diego County , of denver, colorado, provides 3d computer aided design and support services primarily allied to the. Latest Issue of Healthy Aging Magazine Published! JK Rowling, Harry Potter author, is feature profile improve your facebook page marketing with different content for fans and non-fans with these easy how-to steps using facebook s static fbml code. Inspirational story of overcoming adversity to success adult lifestyle retirement community. Discover Deli with a Difference! Established in 1932, Deli Brands of America has a tradition of quality and value that is unsurpassed i absolutely can t say enough about the staff and atmosphere of lynde creek manor! learn about the history of hypnosis starting from the work of mesmer, 19th centruy, james braid, and modern day hypnosis. Your customers will taste the turner gas company is family-owned and has successfully served customers for over 75 years. Newegg we are the market leader in energy and chemical transportation, marketing. com offers the best prices on computer products, laptop computers, LED LCD TVs, digital cameras, electronics, unlocked phones, office supplies, and more with mfnrocks. Business and Revenue Models in E-Commerce 1 com is an internet radio station with daily live streaming video. BUSINESS & REVENUEMODELS 2 the station plays hard rock, classic rock, and punk rock. BUSINESS MODELSbusiness model involves the following mfnrocks streams music 24/7 365. Get coupons from online stores across India castleton based in india is a leading accounting & bookkeeping company specialising in sage bookkeeping and accounting outsourcing services for uk & european clients. Save using the latest online coupons and discounts 商品販売用のfacebookアプリ(ネットショップ、ショッピングカート)などをつかったfacebookページでの商品販売の実例集 Bruno s Marketplace is a unique on-line store bringing you products from Bruno s, Sierra Nevada and Waterloo

subset: commoncrawl


text:
Avenue Magazine "Made In Calgary"
I had the opportunity to participate in a design challenge produced by stylist Leah Van Loon for Avenue Magazine's September issue. Read on for images from the editorial, as well as commentary on the design inspiration. For the full feature, click here.
Words: Fraser Tripp
Photo: Jason Eng
Makeup: Caro Schmaltz
Hair: Sue Thompson
Model: Chloe Ing
Producer: Leah Van Loon


text:
Royal Wedding Reception/Potluck at 20:11
What I'm Doing at 20:11 in 2011... If you plan it, they will come. I opened up my Royal Wedding Reception/Potluck to my friends on Facebook... and some of them showed up. A memorable party to celebrate a memorable event. I know that 20 years from know, we'll remember this party as much as we did the wedding.
We had a great time watching the Royal Wedding (recorded) today. At 8:11, we were still celebrating and laughing around the buffet table in the kitchen.
Good times, good friends, good memories.


text:
Use the form on the right to contact us.
123 Street Avenue, City Town, 99999
(123) 555-6789
You can set your address, phone number, email and site description in the settings tab.Link to read me page with more information.
Handmade hollow and solid glass beads, quartz chunks, 23k vermeil beads, S-clasp and signature tag, gold filled spacer beads. Approximate length 17 3/4".
(Each piece is individually handmade, and while the sequence of glass beads and style of sterling beads will vary slightly from the image you see, the essence of the design will be consistent. Please allow approx. two weeks for the piece to be made for you.)


text:
this week:
all classes are running as usual this week. ranil will be out all week. both dan and daniel will be out on monday only. michael will not be out at all this week.
we have started transitioning our website to a new platform. there are no doubt some links and pages that will be missing or broken during the transition. if you can't find what you're looking for, or if you notice any errors, please email firstname.lastname@example.com.
friends and family day:
information about the 2013 friends and family day is now posted here. please sign up early if you are intending on joining us so that we can plan accordingly.


text:
After a long stretched out Winter, Melbourne Summers are always welcome. November has been a warm month with temperatures reaching high 30's and the first half of December has been sunny and warm too. If you haven't already, then is definitely time to put those Winter Coats at the back of the Cupboard and hang them Winter Boots. Time to bring out the cottons and natural breathable fabrics to the fore. I wear colours through the year but if you are a traditionalist, then you would definitely equate summer with bright colours too.
Maybe it is the warmth that makes the depths of my soul happy, or its just the fun and happy vibe of Melbournians that is contagious. There is definitely a spring in my step in Summers. Do you love Summers just like I do !!
I realised I have been missing on Mumbai 2 Melbourne and have not had a fashion post on the blog for a while. So here I am with a look that you can recreate using existing items in your closet without breaking the bank.
I am calling 'The Outfit of the Day' post Boho Living Summer Loving !!
Three weeks back, I was catching up with my girls and as we were walking up the CBD streets we saw this really old Church where we shot some of these pictures along with an old rustic Door, that was a perfect backdrop to showcase my colourful outfit.
Photography by Kshama Gandhi
I bought these Bright orange tie and die harem pants from the street stalls in Phuket for AUD $5. Cottons are natural fabrics and let your skin breathe in hot weather. These pants just had me at the colour. You can get similar pants in Ishka or Tree of Life stores in Australia. In India, Thailand, Bali, Singapore you find them near the beach being sold on street stalls.
I teamed them with an orange Aztec printed white singlet which I have had in my closet for over 4 years now. You can easily wear them with a plain basic singlet or tank top. If you do not own one, having a tank top is a must have in your wardrobe as they very functional. So this season invest in one and they are easily available in stores like Cotton on, H & M, Uni Qlo in Australia. In India Lifestyle, Shoppers Stop or local street shopping hubs like Bandra Linking Road, Hill Road or Colaba Causeway would have heaps of tanks and in different varieties for you to choose from.
Styling and Concept – Sharvari Paivaidya Mehan
The true Boho feel of the look was enhanced by the addition of silver bangles and some mixed metal bangles and long dangling silver earrings. I have had these silver bangles in my wardrobe for more than 15 years now. They are probably the oldest jewellery I own. The earrings are a new buy from Lovisa this year. You will find lots of such silver earrings in Lovisa, Colette in Australia and street stalls in India.
To complete the outfit I added basic Beige pumps and a black fringe sling. My makeup is usually basic, lots of moisturiser and sunscreen topped with mineral powder to keep the oil away. Two coats of mascara to open the eyes and a swipe of bright orange lip colour called 'So Chaud' by Mac Cosmetics.
A perfectly easy Boho Chic look that can be created using existing basics from your wardrobe, that is sure to get you all the attention this Season.
Outfit Details
♥ Harem Pants – Phuket- 2017
♥ Singlet – Valleygirl – 2013
♥ Fringe Bag- Colette- 2013
♥ Beige Pumps – Spendless Shoes – 2015
♥ Silver Earrings – Lovisa – 2017
♥ Silver Bangles – Vile Parle Market – more than 15 years old
♥ Dull Gold Bangles – Gifted- 2014
♥ Mirrored Silver Sunglasses- Temt- 2017
♥ Nail Colour – Nail'd at Tiffany's ( Sponsored)
♥ Lip Colour – So Chaud by Mac Cosmetics – 2016
I hope you enjoyed todays' Outfit Post 'Boho Living Summer Loving' . Definitely leave me your feedback in the comments below. Until next time stay sun-safe and hydrated.


text:
Our Lady of Guadalupe
Today is the feast of the the Patroness of the Americas, Our Lady of Guadalupe. The Catholic Encyclopædia gives us the heart of the story of Our Lady's appearance on this continent.
The Washington Post has a picture essay on the Guadalupe celebrations in Washington this year.
An early account of Our Lady's visitation by Don Antonio Valeriano.


text:
Pressmark Entertainment principal Jessie Louise Mark serves as the producer of the All Roads A Cappella Festival. All Roads is Miami's first contemporary a cappella festival. It is hosted and sponsored by The Betsy – South Beach, a luxury hotel located on the Atlantic beachfront.
All Roads focuses on community, creativity and celebration. We create a sense of kinship among festival participants by encouraging the development of stronger, more engaging relationships with each other. The weekend features several All Roads community meals and all participants perform at the close of the festival showcase as members of the All Roads Chorus (videos above and below). These and other relationship-building experiences are designed to facilitate the establishment of new productive partnerships and the most effective exchange of ideas and inspiration.
The All Roads education experience consists of a series of ACA Talks ("Advancing our Creativity and Artistry"). Our aca-experts are brilliant, passionate and eager to engage the leaders of the next generation of a cappella musicians. The 2014 panel of experts included Ben Bram, Rob Dietz, Shams Ahmed, Angela Ugolini and Benjamin Stevens.
Details for the 2015 festival will be announced late spring 2015. For more details, please reach out to firstname.lastname@example.com.


text:
A4 Project Book.
Jot down your thoughts and keep a track of your plans with this fabulous Project Book.
Brightly coloured with wiring spine and dividers to organise your work.
Available colours:
- Yellow
- Pink
- Orange
- Green
Size: A4
Browse more Journals, Pads & Notebooks online, and buy in-store at B&M.


text:
The Live Music Showcase on WMNF regularly features performances by local and national artists. This week I'll be on with Rebecca Zapen and friends to preview the show, Oz/Poppins, Music from the Movies. Be sure to tune in to 88.5 FM from 2:00-3:00PM. If, for whatever reason, you can't listen at that time you can always listen after-the-fact from the archives (you gotta love community radio!)
Support WMNF by clicking the link and hit the "GIVE NOW" button.


text:
Fury G.I. Style Aluminum Canteen with Cup and Cover, 1 Quart
as of April 15, 2018 1:22 am
- Just like those worn by American GIs for most of the 20th century.
- Includes lined Olive Drab Cover and Belt hooks
- Chain keeps cap from getting lost
- Holds one quart
Omnia h2o Canteen -32oz Vacuum Insulated Stainless Steel Water Bottle - Wide Mouth Flask with All Metal Lid - Enjoy Hot and Cold Drinks in this Sweatproof Water Bottle (Pebble Beach)
1 new from $28.00
Free shipping
Free shipping
as of April 15, 2018 1:22 am
- INNOVATIVE DESIGN prevents condensation and fits most standard cup holders and bike cages. It is a wide mouth water bottle which makes it easy to add ice and clean out between uses. A rotating stainless steel handle makes it easy to carry this refillable stainless steel water bottle or to clip it to a belt loop or backpack.
- SUPERIOR INSULATION this sweat-proof water bottle keeps cold drinks chilled up to 24 hours, and hot beverages hot up to 12 hours.
- NON-CORROSIVE STAINLESS STEEL is BPA & Toxin Free. Our canteen bottle will never stain or transfer flavors between drinks. 100% recyclable with absolutely no plastic parts.
- LEAK-PROOF SILICONE SEAL and non-toxic stainless steel lid ensure there is no leaking. A rotating stainless steel handle makes it easy to carry this refillable stainless steel water bottle or to clip it to a belt loop or backpack.
- LIFETIME GUARANTEE against manufacturer defects. Your Omnia h2o Vacuum Insulated Water Bottle is designed to be the last one you will ever need. If it fails to perform as promised, return it for a no-questions-asked refund.
Simple Modern 20oz Ascent Water Bottle - Vacuum Insulated Double-Walled Standard Narrow Mouth 18/8 Stainless Steel Swell Flask with Handle Lid - Powder Coated Hydro Travel Mug - Slate Gray
1 new from $16.99
Free shipping
Free shipping
as of April 15, 2018 1:22 am
- DOUBLE-WALLED, VACUUM INSULATED - The double-walled vacuum insulated exterior will keep your drink cold for up to 24 hours or hot up to 8 hours. The exterior will not sweat condensation or be hot to the touch.
- POWDER COATED 18/8 STAINLESS STEEL - This insulated cup is made from premium gauge 18/8 stainless steel. We have chosen from the most popular colors, the powder coating is durable and gives the container a textured and vibrant finish. It is BPA free and FDA approved. It will never rust or leave a bad metal taste in your mouth.
- INSULATED HANDLE LID - The lid that comes on the Ascent bottles has a handle, for comfortable carrying. The lid is double-walled, adding more insulation to your beverage and preventing condensation. Internal threading on the narrow mouth Ascent lid makes for a more sleek bottle and easier drinking.
- PREMIUM COPPER COATED INSULATION - The exterior of the inner wall, in the vacuum sealed area, has been dipped in copper for added insulation. Copper reduces the transfer of temperature, adding even more insulation to your container.
- TAKE IT WITH YOU - This travel bottle will keep your beverage the same temperature as long as possible, it fits in most cupholders and the handle lid makes it easy to take with you. This is perfect for the office, road trips, sporting events, use at home and so much more. Take us with you as you make a positive impact and show the world who you are!


text:
If your concept of the "best" task is to sit in a cubicle and shuffle office work then you have to stop reading this text at once because there's nothing mundane about trading futures. Each day is full of glorious emotions that are offset by using sour disappointments and failed trades. Aside from you private trading fashion, there are outdoor dangers that need to be factored into the trading equation.
The type of chance I am referring to are out of doors factors that could have an effect on commodity expenses irrespective of how nicely you change. Some of these elements encompass:
Global Risk Factors
For higher or worse, we stay in an risky world and nefarious events between hostile nations could be very real. We stay in a world of finite assets and many commodities are focused in nearby geographic regions. For instance, some of the worlds largest oil deposits are placed within the center east. For the rest of the arena, which means purchasing their oil supply with middle east international locations. Trading agreements of this kind can once in a while spiral out of manipulate with extremely negative consequences. I am courting myself right here, but I can still vividly recollect the Arab Oil Embargo and looking at lengthy strains of cars waiting to top off, and it wasn't too lengthy earlier than some of the fuel stations ran absolutely out of gasoline. The president at the time become Jimmy Carter and he changed into pressured to take drastic degree to reduce the US oil intake.
Further, local conflicts can prevent the go with the flow of commodities from usually effective economies. Whether it's miles a terrorist assault or an all out war can spell real trouble and make buying and selling the commodity affected can revel in wild charge swings and shortages. These are dangers you can not manipulate through protective buying and selling strategies due to the fact the scope of the trouble is international in nature.
Risks Caused with the aid of Speculators
Since most of the readers of this articles may be classified as speculators, instead of company hedging operations, speculators can once in a while circulate the market in very unusual styles. Just attempt to discern out the bizarre machinations of the charge motion on the S&P e-mini in case you want proof of uncommon motion. Most of this unexpected motion may be attributed to High-Frequency Trading which currently composes upward of 60% of overall site visitors on the agreement.
It's common for speculators to get out of manage and drive prices to overbought stages or oversold conditions. The dot.Com bubble is a superb instance of speculators using price to unprecedented highs that proved to be overly positive, to mention the least
Keeping cautious track of the context of the marketplace and the extent of hypothesis can resource in warding off speculator risk. A super way to screen speculator pastime is thru the Commitment of Traders report posted the Chicago Mercantile Exchange which breaks down activity by way of class of dealer.
Black Swan Events
Nicholas Nassim Talab currently recognized activities that don't fit smartly into traditional market principle. Efficient Market Theory, Fundamental Analysis, and Technical buying and selling have 0 ranges of predictability when a very sudden occasion occurs. These activities generally arise with out caution and may have far-reaching financial affects on nearby and countrywide economies. The market loose-fall in 2008 was considered one of many Black Swan activities that have occurred in our lifetimes. Black Swan events should be occasions that aren't foreseeable with present day buying and selling generation and have far accomplishing results.
After Black Swan occasions occur you will discover a rush with the aid of teachers (usually attempting in earnest to apprehend the occasion) and the tv "speaking heads" to rationalize ad nauseum that the occasions have been predictable and trot out some folks who claim to have foreseen the event unfolding. (Think Peter Schiff)
This has been a totally quick non-inclusive enumeration of threat elements that a dealer can not manage. There are limitless versions of the conditions described above, but in preferred, unforeseeable buying and selling consequences fall beneath those classes.


text:
After a quick lunch at the mall yesterday, hubby and I began shopping for Sofia's big-school supplies. And how ridiculously funny we must have looked: Santi in his barong and I in my wrap-around suit, scouring for Dora lunchboxes, Disney Princesses' school bag and all that jazz.
Anyhow, we ran down our list and were only briefly stalled by a discussion over which lunchbox Sofia would prefer, two-tiered or single. After settling for the latter, we moved on to thermoses and water bottles. We will finish it off with shoe-hunting next week. That will require the little tyke's foot presence — I don't want to make a mistake and have to return them later on.What can I say? The simple joys of parenthood.
Getting Sofia ready for school feels like getting prepped for the bar exams, at least for me and Santi. Even more nerve-wracking was the PTA/Orientation Seminar we attended last week.
For half a day, we were in a roomful of overzealous parents (Mom-zillas?) who questioned everything, from how many extra-shirts our children need to bring everyday or how many steps from the gate can our yayas bring the kiddies to. Aak. Santi wanted to tap every hyperventilating mom's shoulder and say, "Relax. Our kids will survive kindergarten". Hahaha.
I don't know but I love being a Mom. I might not be as obsessively-compulsive or possessive as other moms are but I am fiercely, fiercely determined to be good at motherhood. And this pre-school thing, I aim to ace it. Step one is done. Sofia is a few steps from my office. I can whistle and she will hear me. Step two is in the works. Nice and sturdy black shoes. I swear, the trick lies in the footwear. Step three, chill. I've got a smart and street-smart daughter which is why I have full faith she will take K-1 by storm.
No need to hyperventilate. Yet. 😛


text:
Heritage EQUIP - the place to find funding and advice to earthquake strengthen heritage buildings
In August 2016, the Heritage Earthquake Upgrade Incentive Programme (Heritage EQUIP) was launched. Information about the fund, and comprehensive resources to help building owners, is available on the Heritage EQUIP website.
To be considered at the next assessment meeting, applications must be received by 15 November 2019.
With up to 67% funding available, the time to strengthen your heritage building is right now.
How much funding is available?
Upgrade Works Grants:
You can get up to 50% of seismic strengthening costs, up to a maximum of $400,000. These grants are available nationwide.
Projects can range in scale from smaller façade or parapet strengthening work, through to large-scale or staged projects.
EXTRA support for regional projects:
We recognise regional upgrade projects have a more difficult cost-benefit balance, so we have some extra support available.
Professional Advice Grants:
Good advice means more options for you as a building owner, and often leads to lower upgrade costs overall. We offer up to 50% of professional advice costs, up to a maximum of $50,000. This advice can include investigative reports, detailed seismic assessments, conservation and architectural plans, and structural engineering plans.
Additional upgrade works support:
We can grant up to 67% of seismic upgrade works costs, and can also fund the extent of upgrade works above 34% NBS. This is on a case-by-case basis where the heritage values at risk are particularly notable.
Solutions for multiple buildings:
We believe the costs of advice and strengthening work can be reduced if buildings are addressed together.
Proposals for multiple buildings, in regional centres that are medium or high seismic risk areas, are eligible to receive funding of up to 67% of both professional advice and upgrade works costs.
Professional advice may be funded up to $30,000 per building, and upgrade works may be funded up to $250,000 per building.
We encourage building advisors, territorial authorities, civic or heritage trusts and other qualified entities to work on behalf of multiple building owners.
If you are interested in applying for a grant involving multiple buildings, please contact us to discuss your project.
Visit our website for more information and to find out if you are eligible.
The National Tobacco Company Building, Napier. $10,000 funding was awarded in 2017.
Comprehensive information
Heritage EQUIP funding is complemented by a comprehensive online information package that provides advice for building owners. The Heritage EQUIP website:
- provides information on how to apply for the grants;
- serves as an information hub, helping to link to other information on MBIE and other government agencies' sites and relevant professional bodies;
- provides information on managing a strengthening project, best practice solutions for strengthening heritage buildings and successful case studies;
- provides useful information for a wider group of heritage building owners who may not necessarily be eligible for the fund.
Union Steam Ship Company's Offices and Stores, Dunedin. Photo courtesy of Graham Warman. $12,000 funding was awarded in 2017.
Register here for updates
Register here to receive updates on Heritage EQUIP.
For enquiries about Heritage EQUIP, please email: email@example.com
Visit the Heritage EQUIP website for more information: www.heritageequip.govt.nz
Milton Street substation, 259 Milton Street, Sydenham, Christchurch. $186,000 funding was awarded in 2018.
Updated on 16th October 2019


text:
Air Canada is removing its grounded Boeing 737 Max jets from service until at least Aug. 1 in order to provide more certainty for passengers with summer travel plans.
To provide customers with greater certainty for their summer travel plans, Air Canada has further adjusted its schedule through to August 1 and taken other measures, including obtaining additional capacity, so that customers can book with full confidence. The changes are in response to the continued grounding by Transport Canada of the Boeing 737 MAX aircraft, which has now been removed from Air Canada's schedule until August 1.
In compliance with a safety notice closing Canadian airspace issued by Transport Canada on March 13, 2019, Air Canada grounded its fleet of 24 Boeing 737 MAX aircraft. Boeing has advised that deliveries of its 737 MAX are currently suspended. Air Canada was expecting to receive another 12 aircraft for a total fleet of 36 Boeing 737 MAX aircraft in July.
As the timeline for the return to service of the 737 MAX is unknown, for planning purposes and to provide customers certainty for booking and travel, Air Canada has now removed 737 MAX flying from its schedule until at least August 1, 2019. Final decisions on returning the 737 MAX to service will be based on Air Canada's safety assessment following the lifting of government safety notices and approval by international regulatory authorities.
- Arriving Fresh: Combatting Jet Lag
- Air Canada celebrates Aeroplan's 35th anniversary with biggest contest ever
- Air Canada Café opens at Toronto Pearson Airport
- New Air Passenger Protection Regulations now in force
- Canada issues travel advisory for Hong Kong
- Air Canada announces first two New Routes to be operated with game changing Airbus A220-300
- NEW! Seasonal flights to New Zealand
- "Smart bags" onboard Air Canada flights
- Air Canada enhanced check-in process
- ADM Aéroports de Montréal unveils new brand platform


text:
UPDATE: 5:10 p.m.
Speaker Darryl Plecas' report alleges overspending on luxury trips overseas with questionable business rationales; expensing of personal purchases to the legislature in the tens of thousands of dollars; inappropriate payouts of cash in lieu of vacation in the hundreds of thousands of dollars and instances where thousands of dollars of alcohol and equipment may have been misappropriated from the legislative assembly.
"These matters are not simply bare allegations," Plecas says in the report, adding they were based on his personal observations and interviews with others.
Plecas said regardless of what happens in the criminal context, the legislature needs to review and consider the matters to determine if the conduct is inconsistent with the duties of those involved.
"British Columbia taxpayers deserve a legislative assembly that is accountable, transparent, efficient, fiscally responsible, and fair to its employees."
UPDATE: 4:15 p.m.
A report released by the Speaker of the B.C. legislature alleges the clerk and sergeant-at-arms engaged in flagrant overspending, questionable expenses and inappropriate payouts of cash "in the range of a million dollars."
The 76-page report from Speaker Darryl Plecas says based on what he has seen and heard, he believed that there was a real possibility that crimes may have been committed and he felt obligated to bring those matters to the RCMP.
Sergeant-at-arms Gary Lenz and clerk of the house Craig James were suspended and escorted out of the legislature in November without any explanation.
The RCMP later said it was investigating allegations against the men and that two special prosecutors had been appointed to assist in the investigation.
An all-party legislature committee voted to release the report today and agreed to launch an audit of legislature financial issues, conduct a workplace review and submit that report to an auditor from outside of B.C.
ORIGINAL: 1:50 p.m.
B.C. Speaker Darryl Plecas says he has handed over a report to members of an all-party committee outlining allegations that set off an RCMP investigation against the two top officials of the provincial legislature.
Plecas says the 76-page report outlines his concerns and prompted the suspensions of sergeant-at-arms Gary Lenz and clerk of the legislature Craig James in November, pending a criminal investigation.
Plecas says the report should be made public, but he first wants the eight members of the Legislative Assembly Management Committee to discuss it privately.
Before the committee meeting was taken in camera, Plecas said there are two legal opinions connected to the report.
Liberal committee members Mary Polak and Jackie Tegart opposed closing the doors, saying the report could be discussed publicly without impacting an ongoing police investigation.
When the same committee met last December, Plecas said he would resign his position as Speaker if the public is not outraged over his findings of unspecified allegations at the legislature.


text:
Le Grape Parts
Free Shipping
Le Grape Wine Opener
Attractive, hand-finished antique replica uncorking machine. One full downward stroke removes the cork. The squeezable clamps hold the bottle in place during extraction. Antique brass finish with grape cluster design. Can be clamped to a counter or mounted on the stable stand (see No. 4082). 8-1/2" high, 8" overall depth, including handle.
Sturdy stand consists of table base and 5/16" thick x 2" wide steel arm. 19" overall height. Base of simulated wood and antique brass finish measures 6-5/8" x 11" x 1-1/2" thick. Pkg. Code: BX. Imprint area: Top of base: 3" x 2". Laser.
- Our Standard S&H is for within Continental USA (48 States) - Inquire for other locations
- Sales Tax due where applicable. (select from drop down menu)
- We also carry the "La Grape" without Stand and "Stand Alone"
Le Grape Parts
- Le Grape has THREE Parts sold together (select from the drop down menu) or separately.
- The cost listed is not for all three. You must select from drop down menu above
- Item A (90-408512) replacement WORM Only (as listed)
- Item B(90-408505) Lower Guide (as listed)
- Item C(90-408501) Upper Guide (as listed)
- Item D - for the Upper and Lower Guides (Add $23.00)
- Item E - for the Worm + Upper Guide (Add $15.00)
- Item F - for the Worm + Lower Guide (Add $15.00)
Item number
4085 LeGrape
Our Recommendations


text:
Money is scarce. There, I said it.
I have always looked at myself (at least from a frugality standpoint) as a millionaire who doesn't have his millions. That is, I have never been particularly thrifty.
These two things are at odds, and something must change.
Hence, New Year's Resolution #33:
I resolve to become a coupon clipper, a comparison shopper, an anti-spendthrift (at least as far as grocery shopping is concerned).
I have recently discovered the Coupon Mom web site. If you join the site (which is free), you get access to an 8-page PDF that contains useful advice for how to get the most out of your grocery store dollar. I am going to follow the advice given (at least a good amount of it, if not all of it). I have confidence that this will result in me spending less money than I otherwise would if left to my own tendencies. If nothing else, it will teach me which stores offer better deals on which of the products I regularly buy and will improve my dollars per goods ratio based solely on that. I have never been a comparison shopper and have instead shopped either wherever is most convenient or wherever I like the atmosphere rather than based on where I can get the best bargain. This is stupid, and should end. Likewise, the "buy it when you run out" approach that I have always used is wasteful, compared to the "buy it when it's on sale" approach. The latter takes some planning, but is definitely worth the little bit of effort it requires.
So there.
Friday, October 30, 2009
02009 New Year's Resolution #33: Join the Coupon Moms of the World
Posted by Louis J. Cassorla
Labels: all, New Year's Resolutions, NYR02009
Subscribe to: Post Comments (Atom)


text:
I'm honored to be opening for Makana at the Open Space for Arts & Community. I've known Makana since I lived in Hawaii in 1998. Makana has played several times on Vashon and this Island loves him! He is a genius and an amazing performer. Don't miss this special event!
Back to All Events
Earlier Event: November 7Hits of the Sixties
Later Event: November 21Singer Songwriter Showcase


text:
Can I just say I am so excited for this year's Miss USA?! It's so obvious that the USA system is moving in a new direction - post Trump. I have to admit, I didn't have Miss DC winning it all...but I was happy to see her advancing with each round. Of course, not everyone shared my glee.
Look, I get it. It's a beauty pageant. I've been involved in things that are somewhat superficial my whole life, from dance teams to TV news. So I understand that not everyone is going to like what you look like, what you sound like, what you're wearing, etc... And it's all a part of the game. You don't get to participate in these types of things and then get upset when you're being judged, in my opinion. You almost need to expect it.
But a lot of the backlash against Miss DC, now Miss USA, was ridiculous. Some people said she threw her military experience around too much. That's so asinine. If I'm a commander in the army, I'm letting errrrrrrrbody know. That's an amazing, non-basic, accomplishment that some people just can't wrap their mind around.
Why are we so pro-military until someone actually benefits from it? I think it's the ultimate sign of bravery and sacrifice to serve in the military. I'll admit - I ain't cut out for it...so I can appreciate women who are! (Sidenote: Bingewatching Army Wives on Netflix is a good idea)
Others on twitter/facebook complained about the way she looked. "She won't do well at Miss USA." I have to wonder what people mean by that. So many thought Hawaii was a better choice. I didn't even have Hawaii in my top 10 (my mom did). But both girls were beautiful on stage.
I love watching pageants with my mom/sisters. I competed once in the Miss USA system in 2013. I made top 15 in Miss Alabama USA. After a three-way tie, I was booted from top 10 haha. But I'll never forget the feeling of having to walk on stage in a swimsuit (EW)...All this to say, it takes A LOT for these girls to not eat for a year, spend thousands of dresses/hair/appearance, and then put it all on stage to be judged. And to be somewhat active duty military on top of that, is pretty dang awesome...


text:
Galleries Of Graffiti: Travel To This Village To See Breathtaking Art On Walls
The Wise Wall Project in an initiative of Project Fuel to record the rural wisdom and stories in the form of graffiti on the walls of old villages.
What Makes It Awesome
'Unity In Diversity' seems to be the motto for this initiative. Using this single lead as a way to cater to various requirements, The Wise Wall Project aims at turning the walls of the bygone villages into canvases to spread knowledge about our ancestral stories and wisdom.
They have an inspired way of designing their art wherein they visit every village and go through personal interviews with the inhabitants to create an art work most apt for that area. They began their journey from from a tiny village called Devbhoomi in Uttrakhand and later spread to Saur and Khati. Their ultimate goal is to turn these village walls into art galleries and make the village sustainable through either tourism or economic development opportunities.
Take some time out to visit these villages and look at the beautiful work done by the group. Catch a train to the nearest railway station that is Kathgodam. Book yourself a room at the DueNorth Saur Cottage and stay around the area for a weekend to get enough of this art work.
What Could Be Better
The routes to get to these villages aren't the easiest.
Subscribe to their website to keep yourself updates about their new adventures, once every year.


text:
Three persons suspected to be members of the Boko Haram died on Tuesday in a suicide mission at Bajoga, Gombe State.
A source told our reporter that the incident occurred at dusk at one of the security checkpoint at the entrance to the town from the Northern axis.
The source said the vehicle used by the insurgents, a white Toyota Hilux, sped into the barricades on the road and went off in an explosion as the security agents at the checkpoint ran away.
Police spokesman, Fwaje Atajiri, a Deputy Superintendent of Police (DSP), who confirmed the incident yesterday, added that none of the security operatives was affected.
Atajiri said the take-off and final destination of the insurgents could not be ascertained because the three occupants of the vehicle died in the explosion.
Also, the police command yesterday paraded 22 armed suspects, who had allegedly been terrorising the state.
Three of the suspects, who were said to have operated in a tricycle – popularly called Keke NAPEP – rammed into an articulated vehicle at the Federal Low Cost as they attempted to evade police arrest.
The others were reportedly arrested at Buba Shongo, Kagarawo, Jan Kai and Jakadafari areas of Gombe, following tip-offs from the public.
Atajiri urged the public to inform the police on suspicious individuals, movements and activities.
The spokesman said the command would treat the information with prompt attention and utmost confidentiality.
He warned youths with criminal intents and those involved in kalare (political thugs) activities to desist.


text:
"It is only when we silent the blaring sounds of our daily existence that we can finally hear the whispers of truth that life reveals to us, as it stands knocking on the doorsteps of our hearts."
– K.T. Jong
I'll tell you a story.
Around three months ago, I was coming home from college.
My phone was switched off because of low battery.
And, it was hot afternoon and I was tired.
When I rang the bell of my home, no one opened. I waited for few minutes and I realized that no one is at home.
Ah, they must have gone out. I also realized that I don't have the keys.
Fortunately, there was chair in the balcony.
Since I was exhausted, I settled myself over there.
And, I sat there. But there was no phone to connect with.
No Facebook, no Twitter, no Instagram, no Whatsapp, no calls.
And 5 minutes passed, 10 minutes passed and I started feeling uncomfortable. Really.
We're not used to this, you know? We're the hyper-connected generation. We have status to share and read, we have comments to be put up, we have instagram pictures to put and heart, we have jokes to share and we have people to chat with.
And here I was sitting alone on an afternoon with no such tools at disposal.
And I felt a different fear for the first time.
It was fear of being alone. It was fear of confronting your own thoughts and guilt. Fear of really reflecting on your actions, thoughts and life.
And, I realized that I never really do this. I never actually sit down and just spend some time with myself, in solitude. I never go for walks alone and just be with my thoughts.
And, I realized why. Because, it's scary.
It was always easier for me, the moment I was left alone to take out the mobile and distract myself.
To send Hi to random groups and people, to see photos on Instagram, to take pictures, to share a status, to read facebook updates.
It's easier. Much easier than just sitting in solitude. To confront your fears, doubts. To confront your life and thoughts. That'll are tough. And really they are.
This post is not a technological rant of how Social Media is destroying and all that. Maybe it is or maybe it is not. Who am I to tell? I use it as much.
No, the point here is that in this hyper-connected world, we're ignoring the power of solitude.
To curl up with a book and a good novel, to go alone on walks, to listen to music, to sit in front of sea and beaches and just stare into the horizon.
To really go deep into our thoughts and life. To reflect on our actions. To listen to the lone voice of intuition which gets subsided in the hyper-connectivity and chaos, we prefer.
To really think.
To really reflect, a space to create, a space to think, to unwind, to refuel.
To spend time with your own, to understand your actions and to ponder over thoughts.
And contrary to belief, solitude doesn't equal lonely. No one is asking you to renunciate everything and become a monk. No one is even asking you to pack your bags and go to Everest.
No, don't get me wrong. I love spending time with people, I love. Family and friends. And for that even strangers.
But we need to recharge on several occasions. We need to refuel.
And to your surprise, you might just become more positive and more real and understanding in your relations with people.
How will you have a healthy relationship with people if you don't have it with yourself?
Disconnect with technology for sometime. Shut off your computer and Internet and phone.
Trust me, nothing would happen within the time that would collapse your life.
Just use some amount of time to communicate with yourself, to be alone and in solitude.
Go for a walk. Curl up with a novel. Sit by the beach. Sit by the sea. Meditate. Listen to Music. Contemplate your actions. Think about your learnings. Write. Paint. Sing. Dance.
But be in solitude. It might be scary at first. You'll feel the urge to pick up your phone and start typing or send hi to the first person in contact list or see photos. Or update a status.
But don't. Resist it. Stop it. Seriously, how will you hide things from yourself? Or rather for how long?
Confront the fears. Confront the demons. Confront the guilt.
Let it out in your thoughts. Let it vent. Let it get out of the system.
Listen to yourself. Be with yourself. The most inner of your being.
Do it everyday. Even for 5 minutes but do it. Just be with yourself.
You'll feel more positive, you'll feel more confident about yourself.
You'll be able to create more. The deepest of ideas and thoughts will come out.
You'll feel positive which in-turn would improve your life and your relations with others.
Win-win situation, I would say.
Oh, continuing the story.
I almost sat outside in the balcony for 3 hours, in solitude. And, I confronted a lot of things, lot of fears. And reflected a lot.
It was scary at first. But one of the most worthwhile three hours of my life. And they'll remain so.
And those 3 hours created one of best things I have ever done, the little blog known as That Indian Minimalist.
Who knows what you might create?
Go now. Take some time out. A cup of coffee and a novel forms a good start, if you ask me. Also, a walk around in the night.
*If you liked this post please follow this blog via mail or for your WordPress reader. I would love the inspiration.
* Also bookmark the permalink on StumbleUpon and other sites. I would really appreciate it. Keep commenting. Thank you! Love.


text:
Christmas treats are a real family affair for the Davis siblings. Since their dad, Alan, set up The Authentic Bread Company back in 1994, they've been the shining star (bakers) we've followed each Christmas.
12 Makers of Christmas - The Authentic Bread Company
Their mince pies are a joyous sight to behold. Be they mini or be they gluten-less, their buttery pastry and rich filling make each one marvelous. Rudolph will be happy to munch on one of our organic carrots on Christmas Eve, but your name will definitely be on Santa's good list if there's one of these is waiting for him by the chimney. We hear he likes his with brandy butter too…
Winter wonder-food
For the Authentic Bread Company, it might have all started in a garage in rural Gloucestershire, but Alan Davis has been a man on a mission since those humble beginnings. He wanted to "make bread the main event again" and he's built a family business in pursuit of that worthy goal.
These days the kids are in charge, and it's a testament to their shared passion that three of Alan's four children have chosen to devote themselves to his life's work. Emily, Alex and Sophie each bring something unique to the mix, and it's their hard work that means we're still proud to call them our partners all these years later.
Christmas is the busiest time of the year up on Strawberry Hill, where their new bakery now stands. The elves are rolling up their sleeves, the ovens are in overdrive and even Alan mucks in from time to time.
To us, Christmas just wouldn't be as sweet without them. Once you've tried their mince pies, we're sure you'll join us in raising a glass of sherry in their honour. Go on, it's never too early to get in Christmas spirits. Mince pies come but once a year after all…


text:
Pay Inequity: We're Tired of Talk and Watching the Wheels Turn Slowly/
I'll never know if I was paid the same as what the guys I sat next to at Sports Illustrated and Time were paid. I never saw their paychecks. They didn't see mine, and it wasn't something we talked about except in legal actions. Newsweek's gender discrimination case – The Good Girls Revolt – led the way, and soon women at Time, Inc. followed, forcing the corporate officials to release documentary evidence of lots of gender inequity, including hiring, promotion and pay. Other media women's lawsuits dotted the 1970s adding to the plethora of legal evidence of women's unequal pay and treatment.
After seven courageous women at The New York Times took that newspaper into federal court with charges of gender discrimination, evidentiary documents revealed that in 1975 men at the Times were paid $98.67 cents per week more than women and $5,160 more per year. Among notes the court rescued from the files was this one, quite typical of many others:
Yet as a young woman at Sports Illustrated I wasn't protesting my pay but basking in the privilege I had of doing a man's job which I loved – covering Major League Baseball. I refused to whine about how tough it was to do my job reporting on baseball with the gender handicaps the sport placed on me. Here's how I'm writing about this in my opening chapter of Locker Room Talk:
So how far have we come in four decades? Well, check this headline 'Selfish young ladies': Massachusetts publisher fires newspaper editor after pay-equality spat" atop this Washington Post story. The young ladies in question are women reporters who found out they are being paid less than their male counterparts at the Daily Hampshire Gazette, a newspaper in Western, MA.
Or dip into the Carnegie Mellon University study which found that when an equal number of job-seeking men and women visited 100 recruitment sites, men were shown the ad for the highest-paying job (jobs with salaries of more than $200,000) six times more often than women were.
Or absorb this business mom's essay: Moms are punished in the workplace, even when we own the business
Or join Ms. Webster, one of five career women who got together with a New York Times reporter to talk about women's pay inequities.
I read all of these stories within the past week. So is there progress? Yes, mainly because women keeping fighting to make progress on pay inequity happen. So grudgingly, it has, though much too slowly, as any of us paying attention know all too well.


text:
0 Loves
One burger chain that has been slow to catch up with the vegan times is Five Guys, but we're not giving up on them just yet.
Okay, so, pretty much the only vegan item currently available on the Five Guys menu is their fries – and marvellous fries they are too – but we know they can do better!
When restaurants fail to cater for plant-based diets, it doesn't necessarily mean that vegans should write them off forever. Here's 3 things you can do to help sway them towards embracing the vegan lifestyle…
- Tweet, comment or message them on social media asking about vegan options.
- Email their customer services department (larger chains usually have one) and tell them how amazing it would be if they introduced plant-based options to their menu. Make sure they know that there is a growing tribe of plant-based burger lovers waiting to embrace them with open arms!
- Pop into your local branch and ask staff and managers in person. This sort of easy activism is a great way to plant a seed and let them know that the local demand is there. Get them to advocate for you to the decision makers higher up.
You don't have to be pushy about it but, let's face it, demand equals supply! Be the change, people!
In the meantime, check out the fabulous vegan options at Handmade Burger Co. and Byron. Or find your new favourite plant-based burger recipe over in our recipes section. There's plenty to choose from!


text:
Locate The Best Mortgage Rate Nj
You should use caution when choosing your mortgage broker. It might help you out if you draw together an adequate amount of data about mortgage loans in general. This might facilitate you to understand what precisely to look out for. You must 1st understand what to watch out for whilst obtaining a mortgage. An important issue to recognize is that mortgages can change from time to time. If you can keep a track of the trends in the trade, you will be be able to urge the best mortgage rate workable.
There are many facts that trigger these fluctuations. If you're considering taking a mortgage, you must arrange it beforehand and understand market trends for a while before truly availing a home loan. This can be one approach of remaining on top of the market. A number of the factors that verify this rise and fall are the pressure of investors and also the condition of the economy. When the economy is down, the rates can reduce. This is because investors would be buying a whole lot of things that they will get their hands on. This can be the best time for you to require a loan. This is often when you may get the best mortgage rate workable.
Mortgage Brokers can give you a listing of existing mortgage interest rates so that you'll start choosing the best mortgage rate for you. What's more, asking your mortgage broker whether or not a fixed rate or flexible rate is very important when you're on the look out for the best mortgage rate. Keep in mind that adjustable home loans, despite their reduced interest rates, may not have the best mortgage rates. Flexible rate mortgages solely have discounted interest rates in their 1st year, after that, rates either tend to increase or descend.
These sites assist you to get the bottom deal that is accessible. You'll be able to compare the rates of the different products tenable. Once you have compared all the loan products and rates, you can find the one that's best for you. Once you discover the best mortgage rates, you should try the company and make sure that they are realistic. These are the few affairs you need to keep in mind while searching for mortgages.
An interest rate is nothing additional than an assignment of risk by the mortgage broker. Meaning, the riskier your profile looks the greater your rate. Several moving parts are thought-about in determining your risk synopsis like: income vs. debt ratios, loan to price ratios, credit scores and abundant more.
Luckily though, mortgage brokers fees, like lender fees, are negotiable. Thus be set to apply your negotiating skills therefore you'll be able to seal the best mortgage rate. In closing, when inquiring for interest rates invariably bear in mind to raise for the par interest rate from the mortgage brokers. The par rate is the value of money for mortgage brokers. When searching for the best mortgage invariably ascertain what they take into account to be their "par" interest rate for equal comparisons.
by: Charlie West


text:
Last Light Lily: Portrait with Monique of Sneakypeak Blog
Hello guys, how's your day looking?! Just want to share with you some photos that I shot with this beautiful lady Monique from Sneakypeak Blog.
Monique has been modelling for so many creatives and gosh she's just a wonderful soul to shoot with. She's so down to earth and very versatile with all her works. I almost cancelled the shoot that day due to my daughter Indigo feeling ill, though Monique was really calm and empathetic about my situation. Though I am glad we made this magic happen. (Even though it wasn't nothing like my initial mood board and that's another story)
Secondly Monique's is just not the model behind those beautiful imageries, she has also multiple creative roles with different mediums. She's the author/creator for Sneakypeak Blog and is active on 360 Fashion, and she's also a jewellery designer of monarquejewels. I am always amazed by people who can do so much things at the same time and not go coucou!
Finally, I now present you these images that we created at the last light in Sydney's iconic Bondi Beach. The bleak mood captured as all the tourists dissipate, while a relaxed vibe with a romantic tint starts to settle in. I hope you like what you see, if so don't forget to check out Monique's Instagram here and if you haven't followed mine, go check it out here.
Stay moody,
p.s: If you are interested in working with me, you can drop me a line or hit the "About" on the top right!