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Jan 6—17th, 2020 in New York City
for performers who are, or soon to be, #ready4newyork,
Ages 18 and over
ACTOR THERAPY (Lindsay Mendez and RSO's revolutionary musical theatre workshop, working song interpretation, selecting the right "cuts" for auditions, and focusing on every actor as an individual to unlock the artist within)
DAILY DANCE training (focusing on Theatre Dance and Ballet)
ACTING techniques (Including monologue selection and study — both classic and contemporary)
VOICE LESSONS (technique, vocal health and general pedagogy with top NYC voice teachers)
ART & BIZ to get your business-mind focused and bolster your heart for the long haul
HEADSHOTS with renowned NYC photographer MurphyMade
TICKETS to two shows during the session
A PROFESSIONAL REEL of 3 cuts for your website
A final SHOWCASE for industry professionals highlighting the student's growth during the program
A public PRESENTATION for friends and family
PLUS 5 ACTOR MASTER CLASSES with a different Broadway pro —
and 5 CASTING DIRECTOR CLASSES with the top Casting Directors in NYC.
But a little more about the program …
(Jan 6—17th, 2020) is a course designed for performers who are preparing to live the actor's life in NYC. Open to ages 18 and up, this AT intensive is perfect for students currently in college, actors who have recently relocated to the NYC area (with or without college), recent college graduates, or students taking a gap year. No matter what brought you here, you're in the BIG CITY now, so let's get you #booked! Classes will focus on how to adjust to life as an artist in NYC, as well as how to successfully navigate that competitive audition circuit….with Lindsay and RSO as your guides!
The program runs 9AM—6PM Monday—Friday for the two weeks of the program. It includes following courses
DAILY DANCE in Ballet and Theatre Dance (daily 9a—10:30a, alternating styles)
Ready to WERK it out? Our fierce dance classes, taught by Broadway dancers and choreographers, will include a warm-up and technique training, as well as multiple combinations from Broadway shows. You KNOW you wanna kick ball change all over that.
ROLE ASSIGNMENT & SCENE STUDY (Daily 10:30a—12:30p)
This class begins with an exploration of acting techniques. Next, students will work with their faculty to explore a solo role assignment (working on a monologue/scene and solo song). Finally, students will pair up and work through one or more scenes from Broadway plays or musicals.
12:30pm—1:30pm, take a break —
or COACH your material with one of our top-rated Music Directors/Accompanists!
ACTOR THERAPY with Lindsay Mendez and RSO* (daily 1:30p—3p)
Just like a golden age standard, this class never goes out of style. Lindsay and RSO will focus on each student's individual needs- maximizing strengths while recognizing and helping improve weaknesses. Audition technique, book building, marketing your type, and ultimately discovering yourself as an artist are all components of this amozzzzing class.
ART & BIZ with RSO & Sierra Boggess* (daily 3p–4p)
RSO likes to focus on the business — your strategies, your types, your marketing, your finances, your time-management, and more.
Sierra wants to talk about your heart and spirit — how do we stay sane and emotionally grounded in this incredible business we call show?
MASTER CLASSES & CASTING DIRECTOR SESSIONS with Various Guests (daily 4p–5p)
All of the above and 10 master classes to boot? (How's that for a resume builder…) The first week will include Tony Award winning performers, directors, music directors, dancers, choreographers, writers, composers, and more — and the second week students will work with the top casting directors in New York.
We will enroll approximately 16 students, so class sizes are small to emphasize maximum attention per student.
*Instructors are subject to change.
All of the above culminates in a SHOWCASE FOR INDUSTRY PROS (which may include agents, casting directors, and college admissions faculty) on the final day of each session, with students performing material they've been working on, curated by their instructors.
SO, to RECAP- everything you get with your tuition INCLUDES:
A 30-minute HEADSHOT session by acclaimed New York Headshot Studio MurphyMade at their official studio. Students will receive one retouched digital photo file, with more retouching options available at a separate cost.
Two half-hour VOICE LESSONS right after class with some of the top voice teachers in New York City
FREE TICKETS TO TWO DIFFERENT SHOWS in NYC sponsored by the friends of Actor Therapy
A filming session for your REEL. Students film 3 song cuts, and receive raw footage for their websites/social media/submissions!
While Actor Therapy is unable to provide housing to students during their time in NYC, we do work directly with a student housing coordinator who will be able to assist you with your housing needs. Student Housing Associates helps students find safe dorm housing close to our campus in midtown Manhattan. Dorms are occupied by dancers, actors, singers and other artists here to study and take class in the city. To inquire about this housing option, please contact us here.
Additionally, students are allowed to live a commutable distance (i.e., Connecticut or New Jersey), as long as they appear on time to class every day.
The regular cost for our ten-day, two-week program is $3299.00 USD, which includes everything listed above. All students will be automatically considered for a merit-based scholarship (up to 25% off) and notified on the timeline indicated.
To enroll, students must submit the requirements listed below to email@example.com during any one of the three Audition Windows below, with the following materials:
YOUR BASIC INFORMATION. 1) The Intensive you are submitting for. 2) The submitting student's full name. — 3) Student's age. — 4) Student's gender (male/female/non-binary) — 5) Where the student will be coming from if they are admitted. — 6) The name AND email address of parent or guardian who will be the contact for the student re: tuition and permissions. — 7) Preferred contact phone number(s).
UP TO THREE VIDEO RECORDING(S) of you singing. Any quality is acceptable. All videos must be via dropbox or another DOWNLOADABLE file. Any genre is okay! Musical theatre, pop, anything. If you send more than one video recording, please try to demonstrate range or contrast. We prefer audition cuts, rather than performance clips, but will accept either. Please do not send more than three recordings.
YOUR HEADSHOT AND RESUME. Any quality is acceptable. Students who do not yet have a professionally shot picture may send any photo that best represents them now. Students who do not yet have a professionally formatted resume may send an actor bio up to 200 words.
ADDITIONAL SCHOLARSHIP INFORMATION. All students will be considered for a merit-based scholarship. If there's something else you'd like us to know about your current situation, include that here.
OPTIONAL: Send us a video of a monologue and/or you dancing. Reels are okay. Any genre is okay!
Got all that? Great! You're ready to submit.
Once a student receives confirmation of their admission/scholarship, they have ONE WEEK to place a non-refundable $350 deposit through a PayPal link given to admitted students by email. If the deposit is not made within one week, the students spot and/or scholarship may be forfeited.
1ST AUDITION WINDOW has now closed.
Apply OCTOBER 12—NOVEMBER 15, 2019 to secure one of our final spots. Only a few scholarships remain!
NOVEMBER 16—DECEMBER 20, 2019, will be the last available time to submit if there are any spaces left. Note: full enrollment will rise to $3499 during this window. Scholarships may be unavailable.
Where is the Actor Therapy Winter Intensive located?
We will be housed at Pearl Studios (500 and 519, on 8th Avenue between 35th and 36th streets in Manhattan), which are easily accessible by blue, red, orange and yellow subway lines, as well as numerous busses, the PATH train, NJ Transit, LIRR and Amtrak to Penn Station. Basically … all roads lead to Pearl! (Note: some location days may change.)
I'm more of a singer-actor than dancer, or more dancer-actor than singer … is this still the right program for me?
As long as you have some level of experience in singing, acting and dancing, it's totally normal to have strengths or weaknesses, and this program is perfectly designed to help students with their individual needs!
How many students will be enrolled in each program?
Roughly 16 students will be enrolled in each Program.
What is the average age range of your students?
Our intensives typically enroll students between 18–26, but we always have a few performers between 26–36.
I didn't go to, nor do I plan to go to college for musical theatre. Can I still take the NEW YORK OR BUST program?
Can you? You must! This is ideal for you … as we know a lot of very talented people who decided the college route is not for them, and it worked out pretty darn well. :)
I have a conflict with one or more days of my session. Can I still enroll?
We allow up to one pre-approved day of conflict. (Known conflicts must be submitted at time of application. No conflicts are allowed on the first day of each session, or the final day of each session - which is the day of the student showcase.)
What does each student need to bring with them?
Dance attire; any or all sheet music in use by the student; some clothing options to showcase in; headshot/resume if applicable; plus the usual "school" gear. Students should also bring any medications that they are prescribed and take during the normal school year. Students are also encouraged to bring water in a reusable bottle every day as workshops will be physically demanding.
What will students do for lunch during the day?
Students will have a break for lunch every day and are welcome to bring food with them or will be allowed to purchase lunch from a local business.
Where can I find the teachers and artists leading the classes and workshops?
Scroll up on this page for more information!
How are teachers and artists selected to lead classes and workshops?
RSO and Lindsay personally select each teacher/artist based on their knowledge and skill level in their related area of expertise relating to theatre and performing arts.
Are there any discounts?
• If you take both sessions: 10% off combined post-scholarship tuition.
• AEA (Equity) Member: 10% off post-scholarship tuition.
• Two or more siblings taking the program: 5% off both post-scholarship tuitions.
• Previous students of Actor Therapy: contact us for your special returning rate!
After the deposit is paid, when is the balance due?
The balance for each student's session is due one month before the starting date (Dec 6 for Winter). If you are interested in discussing a payment plan, you can email email@example.com, subject: payment plan.
What if my plans change and I can no longer attend the workshop I signed up for. What options do I have for refunds?
Both the deposit and the balance, once paid, are non-refundable. That said, if a student must cancel their attendance between paying the deposit and paying the balance, then only the deposit is forfeited.
I have another question … How do find out more?
Email us at firstname.lastname@example.com!
*Instructors are subject to change.


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Dream Again Dance Co. is a newly formed Oxford-based dance com- pany, making it the second to be founded here in the last two years. Impressive, you may say; that's a fair amount of dancing going on. However, consider the fact that there have only been three theatrical dance shows put on in Ox- ford over the last four years, that Dream Again Dance is currently made up of solely female dancers, and that perhaps dance has not had the same spotlight shone on it as, say, the dra- ma and music scenes. That's not to say the students of Oxford do not enjoy dancing. Indeed, anyone unhinged enough to grace the floors of Park End even mildly sober on a Wednesday night will be able to confirm that dancing is spectacularly indulged in by many. Thankfully, this is not what Emily Romain, Artistic Director of Dream Again Dance and co-choreographer for their upcoming show Dull Roots, Spring Rain, has in mind when she talks about dance. "We are trying to set up something that is looking at dance artistically, rather than competitively. There's one other company [in Oxford], the Broad Street Dancers, but they're more focused on doing lots of different styles of pure dance, and less focused on creating a more artistically cohesive theatre piece – that's what we want to do." And it looks like they are going to. Dull Roots, Spring Rain, which is to be performed at the Ke- ble O'Reilly theatre in 4th week is set to bring to the audience what sounds like an ambitious contemporary ballet piece. Romain explained, "It is a three-part dance show, thematically
linked, in which the central piece tells the sto- ry of Persephone in the underworld. That was our starting point for the show; the other two pieces are more abstract, which we developed out of the Persephone story. Overall, we are exploring the idea of grow- ing up and moving on, and reconciling one- self with the present after something has happened, after some innocence is lost. So in terms of Persephone's story, the focus is very much on her journey in the underworld; how she loses her innocence and her girlhood, and how she moves through that." Dream Again Dance is mainly a contempo- rary dance company, which Romain admits "has always been a niche thing", placed on the same cultural level as opera and difficult to make accessible to a large proportion of the general public. In the past decade, dance as an art form has arguably been overshadowed by popular TV dance shows; watching Strictly
Come Dancing one would be forgiven for think- ing that dancing to tell a story or express meaning outside of a competitive arena had been relegated to the confines of grand thea- tres at high prices. However, the contemporary dance scene would appear to be experiencing something of a boom, with fashion designers and film directors choosing to work with bal- let companies. For example, Darren Aronof- sky's Black Swan, despite the criticisms it met from actual dancers concerning the portrayal of the ballerinas, gave ballet a much-needed boost. Yet the theatres, at least in Oxford, seem "scared of dance because they think it won't sell". Romain, a life-long dancer herself and a very active member of the Oxford theatrical community, hopes to change this by getting more people involved and thus improving the overall standard, creating a company all about "pure dance".

subset: commoncrawl


text:
|Antigo, Wisconsin Genealogy Gopher
|City of Antigo and Langlade County, Wisconsin Genealogical Research Sources
|Home > Historical Places, Photographs & People > Railroad History
|History of Langlade County Railroad track laying and removal.
Antigo Depot
South of 5th Ave. between Morse & Door Streets
View looking southwest.
Antigo Depot in 1908
View looking southeast.
In 2006 the Antigo Housing Authority's Depot Apartments
Antigo Depot in 1914 looking north.
The last steam engine rolled through Antigo September 24, 1957. See article in "Prime Times" supplement of Antigo Daily Journal, October 2, 2006.
Pullman car called "Badger 2" (the fish car) in 1921 visit to Antigo. The Wisconsin Conservation Dept. used it to transport fry to plant in lakes and streams. Note the metal milk cans containing the fry in the back of the 1920 era vehicles. See Antigo Daily Journal, May 19, 2007, Hidden Places Series article.
Antigo Round House
North of 1st Ave. between Edison & Lincoln Streets.
Web Site TOC
E-mail the Webmaster
Last Updated:
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Wednesday, August 10, 2011
I must be(e) crazy!
But then something happened, and I'm not even entirely sure how. But I couldn't stop thinking about it. And how nice it would be all done in shades of red (how unusual for me! Heh heh!). But I didn't buy the pattern straight away. I figured if I still couldn't stop thinking about it after a week, then maybe I should buy it.
And yesterday, I did! And I went stash diving and gathered up my red sock yarn leftovers (reds and red-purples and red-oranges and a few red-pinks). I also just might have bought a ball of heathered red yarn last weekend at Morris & Sons, and I have quite a bit of solid red 4ply/fingering yarn which MissFee picked up for me at the Wang mill last year. But funnily enough, I don't actually have that much variegated and semi-solid red yarn leftovers.
28 comments:
- DrK said...
Oh so cute! I love this pattern, and it will look amazing in shades of red. Must start saving red left overs for you! And look how many you've done already. This is going to be great.
- 10 August, 2011
- 2paw said...
If I find any red, it's yours!! I saw this on The Ravelry when you 'Favourited' it and it looks fun and fabulous!! I think you will bee addicted - no, I think you are!! Your house will be a hive of industry and you'll drone on about it in honeyed tones, we will all be a-buzz!!
- 10 August, 2011
- Bells said...
You're on your own with this one. Not for me! But I will cheer you on! And give you red yarn!
- 10 August, 2011
- LynS said...
I've also been looking at this - but I've been thinking how good it will be to see the outcomes of Other People's Knitting! Doing it in shades of red is a great idea. I'm sure lots of us would have scraps of red we'd be happy to contribute for your project.
- 10 August, 2011
- Sarah said...
Oh I saw this pattern just yesterday - got so obsessed with it - kept thinking no no no - crochet blankets are where you're at now Missy - had another ponder this morning - saw the title of your blog post - thought can it be(e)! Now I know you've been got I'm weakening further! Something about the true long term crazy ness of it is very appealing - tell me though is knitting a hexapuff fiddly or fun? The thought they might not be too fun to make was helping hold me back but now I can get your opinion.
- 10 August, 2011
- nestra said...
I'm doing beekeeper for my SIL. I figure two hexapuffs a day. So far I have done more than I need to each day. I am hoping that I will get far enough ahead that if I get sick of them I can take a few days off.
- 10 August, 2011
- Gidgetknits said...
I am not going to knit a beekeeper, I am not going to knit a beekeeper, I am not going to knit a beekeeper...Oh but it'll look good in reds!
- 10 August, 2011
- MadMad said...
I have been so tempted, too! But I still have my lizard ridge squares to contend with, so I'm going to try to be good. If I have any red sock yarn leftovers, though, I may send them along to you!
- 10 August, 2011
- Michelle said...
That's nuts, and that's coming from a quilter who has been working on a hexagon quilts for years and years. But it looks great, especially in the red. If I find any red sock leftovers, I'll send them to you.
- 10 August, 2011
- Donna Lee said...
Too many small pieces for me. I love your reds and shall look and see if I have any red bits lying around.
I want to make the mitered crosses blanket with sock yarn leftovers. We're a frugal lot aren't we? Coming up with ways to use the leftover bits of yarn!
- 10 August, 2011
- amy said...
It's not the knitting, it's the sewing up that would get to me, because those are all in pieces, yes? I don't think the long-term part of it is crazy, because after all, people make quilts that take longer and I think a huge, long-term project is a wonderful statement of faith. But I'd rather sew a quilt than knit one--it's a goal of mine, anyway!
- 10 August, 2011
- Twisted Knitter said...
You're infecting others! If I start my own (sock yarn leftovers - yes!), then it's all your fault. :-)
Really - it's a great project and I love that it can be built over time. I cannot wait to see yours come together.
- 10 August, 2011
This is really tempting! If only I didn't have a billion other projects to finish!!
- 10 August, 2011
- Lynne said...
Ah, no, I don't think I'll join you but I will follow along with interest. What you have done so far is loooking good.
- 10 August, 2011
- travelknitter said...
I've been thinking about doing an all-red one myself, and after seeing yours, I'm convinced. It's looking gorgeous.
- 11 August, 2011
- knitabulous said...
I saw the flurry of beekeeper quilt action on ravelry and passed it off as a bit of a misguided fad, given it's just such an epic project.
But a red one ... That would be gorgeous ... and just the word 'hexapuff' had me all kind of excited. Such a cute word!
Looking forward to the invasion of the hexapuffs.
- 11 August, 2011
- missfee said...
wow a trend has started - but I am not going there I am not I am not I am not!!!
but happy to donate some red for the cause
- 11 August, 2011
- jp said...
I know you suggested purple for me. I might even be crazy enough to do it. Then again maybe not.
Do you want the leftover Dornroschen (red-pink) i have from the stripe study shawl.
- 11 August, 2011
- Ann said...
The quilt looks great & I watched the video. It's a great project to work on as & when needed, just like the pair of plain socks that I carry around.
- 11 August, 2011
- Vintage Grrl said...
I'm already well on the Hexapuff train, with 20-odd puffs in my tub. I am going for a much more 'scrappy' look, with no real colour scheme. So far I am just getting into most of my balls of sock or superwash 4ply yarn.
- 11 August, 2011
- Yarna said...
It is an inspired madness and I can sort of see the attraction. However, I shall be experiencing this vicariously and am more than happy to donate red scraps to the cause.
- 11 August, 2011
- Deborah said...
Ah, no. I'm not jumping in on this one, though I plan to enjoy yours vicariously! I already have too many projects percolating!
- 12 August, 2011
- Diana said...
Yep, you're crazy!! I looked at that pattern too and I love it but..... I can't imagine knitting so many of those little babies and weaving in all those ends. All the reds will be amazing though!
- 12 August, 2011
- Virginia said...
That is rather awesome. And I just realized, why am I not reading your blog? We end up on all the same blogs anyway...
Anyway, no, you cannot have too many pairs of red socks.
And I can't wait to see the finished product.
- 12 August, 2011
- 1funkyknitwit said...
Like you wouldn't have enough in your stash to make this...lol. I too have been looking at this - it's such a fun and fabulous quilt, I love it. Also it's a great way to use up scraps.
Looking forward to seeing your progress.
- 12 August, 2011
- Leonie said...
You have way more patience than me, that would drive me mad which is why I will be avidly watching to see your progress because it looks really interesting, I just know my limits.
Love the reds :-)
- 13 August, 2011
Yes, you are crazy, though you are in good company if the number turned to the hexapuff dark side are anything to go by. In reds though it will look gorgeous and what a finished quilt it will be! I shall look to contribute some (especially varigated) reds where I have them. I thought doing a ten stitches blanket from yarn left over specifically from my sock projects was madness. I bow to thee.
- 14 August, 2011
Meh. I'll join you. It'll be more entertaining than the linen stitch scarf I was thinking of using up my scraps on.
Brilliant idea. It'll take me longer than 2 years though. I believe that.
- 15 September, 2011


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Lisa is a senior advisor at Hydro One with over ten years of industry experience. She joined Hydro One's Regulatory Group in 2015 to case manage the company's major applications for transmission and distribution rates. Lisa leads Hydro One's regulatory reform strategies and sits on the Regulatory Affairs Standing Committee of the Ontario Energy Board and the Regulatory Affairs Committee of the Ontario Energy Association. Lisa is passionate about identifying issues, facilitating discussion and brokering consensus to achieve optimal outcomes for all stakeholders.
Prior to joining Hydro One's Regulatory Group, Lisa acted as Senior Legal Counsel to Hydro One, advising on a variety of corporate commercial matters including Ontario's first smart grid implementation, held an executive position with a TSX-listed company and articled and worked at a Bay Street law firm where she advised small- and medium-sized companies. Lisa holds a law degree from Osgoode Hall Law School and an honours degree from the University of Toronto.


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Evolution of an App
The road from concept to creation of technology is always a bumpy one. We, at Talos, had no trouble hitting the potholes and train tracks while developing RDV, a mobile application that helps you discover the here and now. Along the way, RDV hit some snags and some growth spurts and eventually ended the year as the application we always dreamed it would be.
I'd like to take you on a journey of our last year with RDV, what has changed and what we learned.
If you start with some very lofty goals and add a large dose of reality, you'll be precisely where we found ourselves at the start of this year, needing to complete a total overhaul and simplification of our first mobile application. But, despite the challenges and setbacks, the overhaul produced exactly what we wanted: a new application that puts the social back in media and connects users with exciting things happening in their here and now, no advertisements allowed. Ever.
The evolution of our application has streamlined many aspects, potentially none more drastic than the application's functionality. This isn't to say that we lost important features or that we don't have plans to expand the feature set in future updates because we certainly do. But, with a little nudging from our developers at JAKT, we landed on RDV 1.0 that is incredibly simple and, more importantly, incredibly useful.
We kept the original feed display but downsized our filters to toggle on here, now, or both. This means the user can decide to view posts based on location (near them), time (most recent), or both. They can also view location-based posts in our heat map feature. There is a post function (allowing only photos taken in the here and now or plain text), a simple profile screen, and settings that complete the application. Striping our old design of groups, lengthy profiles, and post privacy settings means that RDV 1.0 is ready to achieve the highest possible functionality with the least amount of user confusion.
The original turquoise theme has been left behind, owing to problems with readability, something I cried a tear over and then moved on to embrace the new bold purple color while trying not to remind myself of past NYU days. RDV will be hard to miss, standing in contrast to the blue giants of social media, namely Facebook and Twitter.
One of our main goals from the beginning was to set ourselves apart visually from other applications. This was the original concept behind a main sidebar in the first versions of the design. One important lesson we learned on this app making journey? Most applications look similar not because they want to, but because they have to. Our developers and coders at JAKT kindly told us that the sidebar we wanted just wasn't feasible, so we went back to the design board. To take a traditional feed and make it better, we found it really came down to the post function.
JAKT had some invaluable input on how to make the post function really stand out, and the overlay text boxes, color background options, and full screen display make an RDV post unlike any other. My favorite feature? The camera function does not let you pull from your photo library, forcing the user to be in the here and the now. Relevant posting, commence!
And one of our biggest lessons? Simplify, and then simplify some more. Not just in concept but also in design.
After journeying from the first iteration of our logo to the final geometric app icon, our branding is now ready to play in the big leagues. The first logo was overdesigned and far too complicated for effective, consistent branding across all devices. Our final simplified RDV "spike" is derived from the original logo concept and a quickly identifiable icon, making our brand unique and easy to recognize.
The final thing we've learned is that you can't be too prepared, so we've already began cooking up the 2.0 feature set. A few things on the docket for RDV 2.0: patterned post backgrounds, user-to-user communication tools, and expansion beyond New York City's five boroughs. RDV will be available in the Apple app store in early December, and we encourage you to download and give it a spin. Just search RDV and look for the spike. There shouldn't be any problems, but if you do run into one, check yourself for broken bones first and then send us an email right away. We can't wait to meet our users and continue down the application evolutionary road.
Now that we have RDV development in the final week, we are turning our attention to finding and securing a strong user base and marketing our venture. Launching it off right, we will host an event at one of lower Manhattan's hottest watering holes and also at one of Brooklyn's greatest hideouts.
To sign up for our newsletter and event invites, go to www.rdv.io.
(And to see the evolution of apps like Airbnb and Uber, check out UX Timeline for some 2010 mobile design hilarity.)


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Macbeth all set to make a bow in competition on the Croisette
by Naman Ramachandran
- British production boasts an all-star cast including Michael Fassbender and Marion Cotillard
Australian director Justin Kurzel, acclaimed for his film Snowtown, will go head to head against some of the heavyweights of world cinema when his latest film Macbeth [+see also:
film review
making of
film profile] will be part of the Official Competition at Cannes (May 13-24). A visceral interpretation of William Shakespeare's famous play about a fearless warrior and an inspiring leader, set on the battlefields and within the landscape of medieval Scotland, Macbeth is a story of a man damaged by war trying to rebuild his relationship with his beloved wife as they grapple with the forces of ambition and desire.
Michael Fassbender and Marion Cotillard star as Macbeth and Lady Macbeth and other cast members include Jack Reynor, David Thewliss, Paddy Considine and Elizabeth Debicki. Iain Canning and Emile Sherman (Shame [+see also:
film review
film profile], The King's Speech [+see also:
film review
interview: Tom Hooper
film profile]) produced for See-Saw Films with Laura Hastings-Smith (Hunger [+see also:
film review
interview: Laura Hastings-Smith Robi…
interview: Steve McQueen
film profile]).
Macbeth was developed by Film4 and See-Saw Films, and is financed by Film4 and StudioCanal in association with Anton Capital Entertainment S.C.A., Creative Scotland and DMC Film. StudioCanal handles international sales and will distribute the film in the UK, France and Germany. The Weinstein Company holds US rights.
Natalie Usher, director of film and media at Creative Scotland, said, "We are delighted that Justin Kurzel's Macbeth has been selected to screen in competition at this year's Cannes International Film Festival. We congratulate Justin, the producers and all involved in the film. We are really proud to have supported this compelling realisation of one of Shakespeare's finest works."
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As a rule of thumb:
You should also note that different tests carry different risks of false postives, so it sometimes pays to use multiple tests that produce comparable data. However, in the first instance, most workplaces tend to rely on breath tests for alcohol and oral fluid tests for drugs. Then they can consider other options in more serious circumstances.
Oral fluid is the favoured method of drug testing for two main reasons. Firstly, it's far less invasive and humiliating than other tests - it's just a matter of rubbing swabs on the inside of the cheek. And secondly, the process is easily supervised - so unlike urine tests, there's no risk of tampering at the point of sample collection.
However, the short window of detection has one major drawback: if tests are scheduled, it's easy for users to abstain in the days before. Then the test will come back as negative, even if the user has a regular habit.
For that reason, we always recommend that initial tests are random and unannounced. Then if more detailed tests are needed, using hair or blood samples, test dates can be set in advance - and users can only hide the evidence through more radical measures, such as removing hair from the face and body.
Our expert team can manage every side of the testing process, from sample collection through to laboratory analysis - and if needed, clinical interpretation of lab test results.
We can carry out tests on a flexible basis, appearing at different times of day and on different days of the week. We find that this random element helps to enforce the message that testing can take place at any time, and often acts as a deterrent for persistent offenders.


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Manish Singh, Strategist & Head of Investments at Crossbridge Capital, talks about the outlook for financial markets and central bank policy in Europe and the U.K. He speaks with Jonathan Ferro on Bloomberg Television's "On The Move."
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About Me
Hi there, I'm Gareth, a multi disciplined illustrator from Cardiff, Wales.
I create illustrations for editorial, publishing, advertising, products, packaging, and one off commissions for worldwide clients.
My style is fun and vibrant. I have a fascination with moving image, and love incorporating it in to my work whenever I can.
When away from work, I love running, drumming, working on my allotment, being with my pet dog and watching 90's game shows.
Please feel free to get in touch with me for commissions, or any thing else, through my email; email@example.com
You can also find regular updates from me on these social media pages:


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We've Got Books!
We have three places where you can find the books you're looking for while supporting our local library: our retail store located in the former library, offering a rich collection of books in all categories in a wonderful, relaxed setting; our book sale area in the lobby of the new Library by the coffee cart; and our Amazon on-line store front for more eclectic and valuable items.
FRIENDS OF LOS GATOS LIBRARY BOOKSTORE Located in the former Los Gatos Library on the Civic Center Plaza south of the new library. 110 East Main Street Los Gatos, CA 95030 Phone: (408) 399-5700
Open 12pm – 5pm Tues. through Sun.
We take art donations. Please contact the bookstore before bringing your donation to the bookstore.
Beautiful note cards with scenes of Los Gatos are available for purchase. Original art by Barbara Cassin. A perfect hostess gift.
Wide assortment of books.
Los Gatos Notecards.


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My book, "Liquid Crystals" has been published through Institute of Physics, and is available to buy on Amazon here! Chapter 1 is reproduced below.
Chapter 1
What is it about nature that we find so beautiful? Maybe it is its colours and compositions, or the emotions and thoughts it provokes. This book will explore not only the vibrant visual aesthetic of liquid crystals, but also the deeper beauty that emerges as we come to understand their science and involvement in life.
The often untold story of liquid crystals lies somewhere between chemistry and biology. Most people are familiar with phase transitions like those between ice and water, and water and steam. In some materials, which are common in biological systems, there exist extra phases of matter called liquid crystals. Unlike crystals or liquids, they have a unique combination of fluidity and structure that enables them to spontaneously self-assemble into complex forms while remaining sensitive to environmental changes—key features of biological machinery—with mesmerising visual effect when viewed under a polarising optical microscope. Their fluid clockwork has been critical to the functioning of every biological cell since life began. The lipids, proteins, DNA and chromosomes in your body silently play out their dramas hundreds of billions of times every day.
Considering the shape-shifting, dynamic forms of liquid crystals when viewed under a microscope, it is not surprising that early researchers thought they may be some form of life. Over the last handful of generations, scientists have uncovered many different types of liquid crystals. We have come to understand why they exist, the laws that govern how they interact with themselves, with other materials, with light, and with fields. We have found them in the silk dope of spiders and worms, in the membranes of biological cells and many other biological systems. Chemists have engineered liquid crystals to exhibit new and unusual physical properties. And we have exploited liquid crystals in technology, mainly, thus far, for liquid crystal displays (LCDs) such as those in television and smartphone screens. It turns out that evolution has also worked out how to use liquid crystals for display purposes, as in the iridescence of beetles. We, however, have only just begun to understand the wider implications of imitating how biology exploits liquid crystals for our own technology.
Most people first hear the term 'liquid crystal' in relation to LCDs. Under normal circumstances, the kinds of liquid crystal structures useful for technology tend to be uniform, controlled, stationary, and boring. Some, out of curiosity, may have poked the screens of computers and calculators and been delighted by the strange liquid-like behaviour they saw. By making them flow, a fascinating aspect of their behaviour is revealed. The pretty structures you see throughout this book have come out of the same impetus of curious exploration, taking liquid crystals into conditions that are outside of their use in technology. Messing around with floating pools of liquid crystal near their melting temperature, inducing flow, adding additional chemicals like detergent, and playing with unusual liquid crystal phases—misspent hours of mucking around doing things you're not supposed to just for the thrill of seeing nature doing something intricate and amazing.
In chapter 2 we will build a basic understanding of matter, from the sub-atomic world of quarks to the solids, liquids and gases we experience in everyday life, and we will come to understand what a liquid crystal is. Chapter 3 will introduce light, and how it interacts with matter. These first chapters will form the basis upon which we will understand how matter can produce the images in this book. The remainder of the book chapters will explore the unique features and visual qualities of a series of different liquid crystals. Chapter 4 will explore nematic liquid crystals. The molecular properties that lead to the special physical properties of nematics are discussed. We will introduce key concepts related to the topology and symmetry of liquid crystals, and describe how they are used in LCD technology. Chapters 5 and 6 will introduce the concept of chirality in liquid crystals and explore a range of phenomena related to the twisted structures they form at different length scales. Chapter 7 follows, describing a range of less common and more complex structures, including the cubic-structured blue phases, the lyotropic liquid crystals most commonly seen in biological systems, and the layered smectic and twist-grain-boundary phases, and we will describe how spiders exploit liquid crystals to produce silk with extraordinary physical properties. Finally, chapter 8 will explore the discotic and columnar liquid crystal phases. On our journey, we will learn how liquid crystals interact with light and electric fields, the wonderful structures that liquid crystals can form, and some ways in which biology exploits the unique properties of liquid crystals.


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too often the desecration of our bodies, queer, brown and womyn, are dismissed or the fault of us, the supposed limp and lifeless of society. too often we single-file line to our governments asking for our rights, rights that we think we no longer have the right to demand. too often we are left in those single-file lines, we drop off one by one, tired of waiting and standing for an endorsement or a watered-down bill that too often protects the perpetrator. too often we are told not to take our life, dignity and sisterhood in our own hands and fight back. this time they will not hurt or rape us, they will not marginalize or discard us, they will not determine our fates.
let's increase the consequences of rape:
*Please distribute website widely. Share with your loved ones, share with strangers.*
♥ ♥ ♥ Thanks community! ♥ ♥ ♥


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Drawing Templates
IronRidge Template 11x17 Imperial.dwt
IronRidge Template 24x36 Imperial.dwt
Excel Report Templates
Save these files into your Autodesk Template directory so you can create a new drawing using these templates.
Steps to add the DWT files to your standard template location:
1) From AutoCAD, select 'New Drawing'
2) The default template window should show up showing you a list of available templates.
3) Copy your newly downloaded template files, right click in this window, and select 'Paste'.
4) Now your new templates are ready for you to use every time you start a new drawing.
Steps to add the Excel Reports to your standard template location:
Save these in the same directly under 'Excel Templates.' See the help desk article here:


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Today is the 17th anniversary of one of the most shocking events in living memory – the 9/11 terrorist attack on the World Trade Center in New York.
Nearly 3,000 people were killed in the attack which saw planes flown into the Twin Towers of the World Trade Center, a third into the Pentagon, whilst a fourth crashed in Pennsylvania, killing all on board.
Within the shocking event are thousands of emotional, terrifying and moving stories, one of which is that of Brian Sweeney, a passenger on United Airlines Flight 175, the plane which crashed into the South Tower in New York.
Brian rang his wife from the plane after it had been hijacked, leaving her the following message just over three minutes before the jet struck the World Trade Center.
'Jules, this is Brian listen,
I'm on an airplane that's been hijacked.
If things don't go well, and it's not looking good,
I just want you to know I absolutely love you,
I want you to do good, go have good times,
same to my parents and everybody,
and I just totally love you,
and I'll see you when you get there.
Bye, babe. I hope I call you.'
Listen to Brian's final message here…
Sweeney was a Navy pilot who had served in the first Gulf War and his wife, Julie, believes he would have tried to do something about the hijack.
'Do I believe Brian went down swinging?' Absolutely,' Julie told CNN.
'Do I believe it was too late? Absolutely. Regardless of "what if, what if, what if," it won't change the outcome.'
Brian was one of 2,996 people who died in the 9/11 attack, and one of the 265 that were on board the planes. No one survived any of the four plane crashes.
9/11 remains the worst terrorist attack in history, in terms of death toll, and the most lethal foreign attack on America since the bombing of Pearl Harbor during World War II in 1941.
MORE: Prison teacher caught having sex with gangster who murdered two teenagers
MORE: Man suspected of stealing cat from outside owners' home and fleeing on train


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Doctor insights on:
When You Go On A Low Carb Diet Do You Tend To Urinate More
When you go on a low carb diet do you tend to urinate more ?
Depends: If you're on an extremely low carb diet, meaning less than 50g of carbs a day, then your body after a certain amount of time can go into a ketotic state. (ketosis). Acidic environment of blood. In order for your body to compensate it may cause you to have increased respiratory rate (blow off co2) or urinate in order to cause an alkaline state in your blood. (contraction alkalosis). ...Read more
Diet (Definition)
refers to all the physical matter humans (like all living creatures) must take in on a recurring basis; only partially for energy. Like all life on planet humans are open systems which keep tearing down their structure & require intake of atoms/molecules from which to rebuild their structure. Intestinal lining cells replaced ~every 3 days. CaPO4 in bones ~every 6 years, ...Read more
If you are on a low carb and more protein diet try to loose weight some time you can have uncomfortable very thin stools how to avoid them?
High fiber CHO: As a certified sports nutritionist I urge you to focus on overall caloric restriction as opposed to restriction of important macro and micro nutrients. Healthy carbohydrate (CHO) associated with weight loss and intestinal health is high fiber & condensed in nutrients like fresh vegetables, nuts, seeds, legumes, berries and select grains. The average male can loose weight on a 2000 kcal day diet! ...Read more
Do you think I should go on a high protein diet to gain muscles?
Possibly: If you are intensively exercising you will need more protein to build muscle. ...Read more
Can you suggest how to get constipation relief when on a low calorie diet?
Low calorie: Has little to do with constipation. Your fluid intake is critical. Drink 80-100 oz of caffeine free/alcohol free fluid daily, more if you exercise or fly in planes. ...Read more
Can you eat normally on your period even though you weigh more due to water retention? You don't need to eat less? Thanks!
Restrict diet salt: You can eat "normally" but lay low on the salt containing foods as they can make the water retention worse. ...Read more
How long will you have to stay on a low carb diet before you begin to lose weight?
Weight loss: There is no one plan fits all. In general eat less and exercise more. Many structured plans can work ie weight watchers, 17 day diet, low carb. All have been successful for many. Low carb diet should see benefit within a week as long as you are still not exceeding consumptions of other calories. ...Read more
How long will you have to stay on a low carb diet before you start to lose weight?
3500 kcal Worth: Those no carb diets all work by the same mechanism every diet on earth works by: less calories in. The key is that if you eat enough calories to gain weight but do it from fats and protein alone, it'll make you sick, so most people end up eating substantially less. Try it and see (myfitnesspal is a great app for this). Every 3500 cal missed (or so), another pound will fall off. ...Read more
What happens when you go on a very low calorie diet?
Tissue breakdown: Very low calorie diets puts a person in ketosis. The body does not have the proper amounts of protein, carbohydrates and fat to carry out all the functions it has to do. You will lose fat, for sure, but you will do this at the expense of losing protein, thus muscle breakdown. A very low calorie diet shold not be undertaken unless under the care of a doctor well versed in the diet and close f/u. ...Read moreSee 1 more doctor answer
What to stay away from if i want to follow through with a low carb diet?
Low carb: Read this wiki en.Wikipedia.Org/wiki/low-carbohydrate_diet.Get a more detailed answer ›
What happens to your body if you are consantly dieting on a low calorie and low carb diet, can you gain body fat easier in the long run?
Probably, slowly: Depending upon how restrictive is your diet, and how much fat you have lost, you can certainly expect some gain when resuming a more balanced diet. How soon you gain lost fat, would depend on different factors like your absorption or other GI health issues. ...Read moreSee 1 more doctor answer
Does the contraception injection make you hungry and want to eat more or just put weight on you regardless?
Not necessarily: Not the case for everyone. I do not think anybody specifically knows why the people who gain weight on the depo shot gain weight. ...Read more
Do you have to eat a little more calories than your maintenance level when you're injured so that you can recover faster?
Yum Yum: Injured tissue relies on some essential vitamin, minerals and proteins to help with the repair. These include Vitamins A,C, foods rich in omega 3 fatty acids like salmon. Zinc is thought to help with repair. Zinc can be found in chicken and nuts. Of course proteins as found in beef, chicken and eggs. ...Read moreSee 1 more doctor answer
Do you put on weight if you eat more but exercise more?
It would depend: On how much eating versus how much exercise. ...Read moreSee 3 more doctor answers
When my blood sugar gets low i know i need to eat something to bring it up but what fructose free foods will do that fast?
Don't use food!: If you have diabetes and glucose drops below 70 due to medication or insulin, use 8 oz skim milk, juice or 3 quick-dissolving glucose tablets and wait 15 min before repeating glucose. Do not use food. You're only trying to get sugar above 70. If you don't have diabetes, you do not have low sugar and you should not treat it as if you did or the symptoms will return over and over again due to you. ...Read more
I'm trying to gain weight and I do have a ostomy bag which makes it hard to find something within my low fiber diet. Do you have any suggestions?
Increase calories: You are in a rare situation, needing to gain weight and having trouble doing it. Slow down on your exercise, but don't stop. Increase your daily calories by adding three extra small meals (250 kcals) to your day. The free app called my fitness pal is very helpful to tract your calories. Go slowly, don't rely on sugary drinks or corn syrup, keep it balanced. Good luck. ...Read more
Glucerna snack shake is that good for low sugar and do it make you go to the bathroom?
Good for diabetics: Glucerna when compared to resource shakes and the shakes has better effect on blood sugar. Using the rest frequently may be due elevated bs. Most resource may soften stool. ...Read more
What to if I am switching from a low carb diet to a low fat diet diet. Do you think i will gain weight?
See below: Low fat is really low calorie...Good luck not my choice.I doubt it will help you ...See your md for evaluation for help in weight loss.Help is available at www.Weighstation.Net. ...Read more
When blood sugar is low from exercising what do I need to do to bring it back up?
Low blood sugar?: If you don't have diabetes why are you having low blood sugar? The blood sugar may go down a bit after exercising and it would never hurt to take some sugar (pill, drink, etc.). If you have diabetes and your blood sugar is low from exercising you should be able to recognize that before your exercise is over and have plenty of fluid with sugar.If you can, please let me know your blood sugar history ...Read moreSee 2 more doctor answers
I'm on 69 units slow and 17 fast insulin, exercise a lot but do not lose any weight. Want to lower insulin, will speak to doc, what levels to aim for?
Proper insulin dosin: exercise only leads to a 3-5% total body weight loss which isnt that much. Lowering insulin dose is not the trick to losing weight. As one loses weight they will need a lower insulin dose. The key to being a diabetic and losing weight is the reduction in carbohydrate and calorie intake. The Insulin dose is also a product of carbohydrate intake. The more carbs you eat the more insulin you need ...Read more
Urine (Definition)
Urine is the product of the kidneys, which is produced to eliminate the waste products of metabolism, manage body fluid balance, &maintain acid-base balance. The blood is first filtered by the kidneys, and the composition of the resulting fluid is then altered depending on the body's needs. It is composed of mostly water, and breakdown products from blood cells impart ...Read more
Carbs (Definition)
Carbs is an abbreviation for carbohydrates. The human body breaks down carbohydrates into basic sugars such ...Read more
- Talk to a doctor live online for free
- When on a low iodine diet will you urinate more frequently
- Hunger and starvation diets
- Why you can eat more fat on a low carb diet?
- Ask a doctor a question free online
- Low-carb diets and nausea
- What happens when you go on a very low calorie diet?
- What does it mean when you urinate more then 4 times an hour?
- Do you sneeze more when your pregnant?
- Talk to a cardiologist online


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There is many ways in which people take their Final Taxi. One common way is cremation. Cremation is the practice of disposing of a human corpse by burning which often takes place in a crematorium or crematory. Cremation probably started sometime in the early Stone Age, around 3,000 B.C. in parts of Europe and the Near East
I found it quite interesting to see a report that the nation's and the world's obesity problem is now taking its toll on the funeral business. This is in larger coffins, with are more common, but now in larger crematoriums.
The place where the cremation takes place is called crematorium. The crematorium consists of one or more ovens or furnaces and facilities for handling of the ashes. A cremation furnace is a industrial furnace capable of reaching high temperatures up to approximately 870-980 °C (1600-1800 °F) with special modifications to ensure the efficient disintegration of the corpse. One of these modifications is the aiming of the flames at the corpse's torso, where a majority of the corpse's mass rests. The crematorium may be part of chapel or a funeral home, or it may be part of an independent facility or a service offered by a cemetery.
As you can expect making a larger crematorium is not an easy matter. Many times you can not just refurbish the space needed. No one wants a loved ones funeral to be halted ( or to be embarrassed) by a coffin causing a blockage into the furnace.
Most standard coffins measure 16 and 20 inches across. However, coffins of up to 40 inches are now increasingly in demand to cope with bigger bodies. The only thing for a crematorium to do now is to order bigger furnaces to deal with the numbers of bigger coffins.
In 2000, just over 26 percent of the dead were cremated in the United States, which has more than 1,700 crematories, according to the Cremation Association of North America. The state with the lowest rate in 2000 was my home state of Alabama, at 4.8 percent, while the state with the highest rate was Hawaii, at 59.9 percent.
Countries with high cremation rates include Japan (98 percent); Czech Republic (76 percent); United Kingdom (72 percent); and Switzerland (68 percent).
Funeral homes across the world are gearing up for their clients increased waist size. In the UK, Lewisham in South London has a 44 inch cremator while the crematorium in Blackburn has a 42 inch cremator being installed.
The obesity problem is effecting us all.


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Hard to believe that it has been 10 years since AMC's Breaking Bad hit the airwaves. But, the success and fans are still going strong, and that's allowing for the charitable organization Omaze to give fans a chance to donate and a chance win what is possibly the coolest prize.
One lucky winner and a friend will donate and fly to LA with a friend to check out the actual RV from Breaking Bad where they will meet Bryan Cranston and Aaron Paul, and cook with breakfast (not meth) with the 2 stars from the show.


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In spite the market boom experienced during the past couple of years, more than a handful of web publishers are still hesitant to use private label articles for their sites. These skeptics view private label articles as nothing but regurgitated text without realizing the benefits that private label articles bring to the web business world.
That is not to say that private label articles do not come without disadvantages. They do. Particularly if used as is or poorly rewritten, private label articles can cause enough headache that can leave you on the losing end.
Two things seem to be of the utmost importance when rewriting private label articles:
• Making Private Label Articles as unique as possible.
• Tailoring private label contents to fit your website.
The Perils of Un-Rewritten Private Label Articles
Duplicate Content Penalty. The most common dilemma with private label articles that have not been rewritten is the duplicate content penalties imposed by search engines. Search engines these days are working hard on making their duplicate content filters more stringent than ever, requiring private label articles rewriters to come up with more unique articles. Web search engines love new, unique, and fresh content which is why blogs often have better chances of popping up high in the search rankings than other legitimate websites.
Duplicate content penalties can be quite nasty. Top search engines do not only penalize your web page but your entire website – omitting it from their site index or giving it a low search ranking.
The less, the better. For your private label articles to qualify as unique, you have to make sure that they contain no more than 30% of similar content to other sites. This is where the quality of rewriting and customizing comes in. While it is crucial that you buy good quality private label articles, high quality rewriting is just as important.
Private label articles should always be rewritten before being published. If a PLR provider or group does not allow rewriting or editing, don't even think about buying their product regardless of how new and unpublished they claim their articles to be. There are no long term benefits that can come from such private label articles.
Readers Hate Take 2s. Getting past search engine filters doesn't mean you've won the battle. Getting your readers and site visitors attention is often another wall to climb. Particularly if you're selling a product or service, you can't expect you target audience to simply search your site alone.
Buyers naturally explore several sites to see which offers the best prices and products and many of them find the time to read your web content to see what you've got.
Poorly rewritten private label articles that are too similar to the one your site visitors just read can earn you a reputation for selling the same product as the other site.
In the highly competitive business world, it is imperative that you appear as unique as possible with an edge over your competitors and appropriately rewritten private label articles can make your audience see your difference from the rest.


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GCC sees surge in Islamic lending
2012 is expected to be a record year for sukuk issuances in the GCC (Gulf Cooperation Council) region. Indeed, the first half of 2012 has already seen an explosive growth in sukuk issuances with US$12.8 billion raised from 16 transactions, compared to just US$1.9 billion issued in the same period last year. In all of 2011, US$7.3 billion was issued, up 62% from US$4.5 billion issued in 2010.
|Raber: Issuers are attracted to this market due to low volatility
"The growth of sukuk issuances from the GCC will continue at the current pace," asserts Henrik Raber, global head of debt capital markets at Standard Chartered Bank, which has been one of the key players in the sukuk arranged in the Gulf region.
"A lot of new issuers are accessing the sukuk market. In the last six to eight months, there has been quite a clear pricing advantage for sukuk versus conventional bonds. It varies from issuer to issuer, but some issuers can price sukuk at about 20bp to 40bp tighter than conventional bonds."
The strong appetite from investors, who are increasingly demanding Shariah-compliant products, is what is driving the growth of the sukuk market in the region, where Islamic funds as a percentage of total assets under management have been on an upward growth trajectory.
According to a recent report by Markab Advisory, Shariah-compliant funds in the Gulf region amounted to US$22.5 billion in 2011 which represented 61% of the total mutual fund assets under management in the region, an 11 percentage points increase from 50% in 2007.
With continued participation from a range of investors including banks, high net-worth individuals, family offices and wealth management groups, the share of Islamic funds within GCC is expected to account for about 70% of total assets under management in the next three years.
Explosive growth
"There is definitely more interest in sukuk and that makes it trade tighter than conventional bonds, which is driving more issuers to tap this market," says Raber. "We think the outlook is bright as Islamic liquidity continues to grow. It gives issuers an interesting opportunity in terms of pricing and accessing a unique investor base."
The latest issuer that took advantage of the increased appetite for sukuk from both the Islamic and non-Islamic pool of liquidity was Qatar. In early July, it priced a US$4 billion dual-tranched sukuk, the largest international sukuk ever. This is Qatar's first sukuk since 2003, when it issued US$700 million seven-year sukuk. The AA-rated sovereign had little difficultly in persuading investors to buy its paper. The five- and ten-year tranched deal was more than 6× oversubscribed with US$25 billion worth of order coming.
The robust interest Qatar received for its sukuk is not surprising considering the strong global investor following for its bonds. The state was last in the market in December 2011, when it priced its US$5 billion conventional bond in three tranches, attracting more than US$10 billion worth of orders. In 2009, it raised US$7 billion from the conventional market in what was then the world's largest emerging market bond.
Qatar's sukuk hit the market on the heels of the successful closing of a number of sukuk and conventional bonds in previous weeks, including Dubai's Emirates Islamic Bank's US$500 million sukuk priced on July 4, which received an orderbook of US$5 billion. In April, the government of Dubai sold US$1.25 billion double-tranche sukuk, its first sukuk since 2009, with a US$600 million five-year tranche and a US$650 million ten-year tranche.
"The market has become quite attractive for sovereigns to issue sukuk. They are using structures that are widely accepted without that much innovation, so it is taking investors less and less time to approve these structures," says a banker based in Dubai.
The Eurozone debt crisis has had a limited impact on the sukuk issuances in the GCC region. In fact, issuers are attracted to this market due to low volatility, says Raber. During the current volatility in the Eurozone crisis, sukuk have generally traded better in the secondary market than conventional bonds, as a larger proportion of sukuk investors tend to be buy- and hold-type investors, who hold the bonds till maturity.
|Agha: GCC is behind Malaysia in Islamic finance infrastructure
As European and Western banks reduce their lending in the GCC region because of the current Eurozone problems, sukuk are issued to fill the funding gap, notes Oliver Agha, managing partner at Dubai-based Islamic law firm Agha and Co. "The GCC countries are estimated to need more than two trillion dollars of capital investment over the next 15 years. As Western conventional lending decreases, the gap is getting wider between demand and the supply of funds available. Sukuk and other Islamic products may be helpful in bridging that gap."
Raber, however, argues that while there has been reduced lending by European banks in the Gulf region, the reduction is not really contributing to the growth of the sukuk market as the shortfall may have been filled by increased lending from Asian-based banks.
Deepening market
Along with the rise in issuances, the sukuk market in the region has been showing maturity with a variety of issuers including corporates from various geographies tapping this market and with more issuers attempting longer-tenor bonds.
Typically five-year bonds used to be the most favoured, but now seven and ten-year issuances have become increasingly regular, with issuers such as the Government of Dubai and Saudi Electricity Company issuing large deals with a maturity of ten years. Saudi Electricity in March 2012 raised US$1.75 billion from a ten-year sukuk. As mentioned before, the Dubai government in April 2012 priced a dual-tranched bond, including a US$650 million ten-year tranche.
In one of the major trends this year, corporates in the Middle East have been returning to the sukuk market, which in the past few years had been dominated by financial institutions and some sovereign issues. Of the total US$12.8 billion, US$3.38 billion were raised from six corporate sukuk, representing 26.4%
of the total amount.
Commercial property developer Majid All Futtaim Holdings became the first corporate to issue sukuk in 2012 with a US$400 million bond in January 2012. The transaction is the largest GCC corporate sukuk issuance in over a year and the first ever sukuk issuance by a privately-held UAE-based entity in more than four years.
While some of these corporates are linked to the government or have government ownership, bankers note it is a promising development for the market to see issues from a diverse range of issuers.
"Corporates in the region do want to raise Shariah-compliant debt and the timing has been good for them. The interest rate environment has been attractive. The Euro crisis has affected issuers in the Middle East, but only to a lesser extent, because these issuers are increasingly depending on Middle Eastern investors. There is a greater percentage of Middle Eastern investors in these deals, which confirms that investors in the Middle East are strong enough to rely on," says the Dubai-based banker. In addition to the US dollar market, the Saudi riyal market (which has been active in sukuk issuances) has seen some quite large corporate issuances.
While much focus has been around the US dollar, increasingly GCC issuers are exploring the possibility of issuing sukuk in local currencies to access a different investor base and attractive pricing, with issuers tapping the Saudi riyal and Malaysian ringgit market.
In October 2011, Saudi Aramco Total priced a 3.75 billion Saudi riyal (US$1 billion) sukuk, while in July 2011, Saudi International Petrochemical (Sipchem) raised US$480 million equivalent from a riyal issuance. In February 2012, Abu Dhabi National Energy (TAQA) raised 650 million ringgit (US$214 million) in the ringgit market in the second ringgit sukuk this year from a GCC issuer, and fourth since 2011, according to data provided by Thomson Reuters.
An area where the sukuk market in the Gulf region needs to see some action is issuances from high-yield names. Despite the apparent demand for sukuk, the issuance from high-yield names is still missing in the region, where almost all transactions tend to come from high-rated issuers. This year, all transactions but the US$650 million sukuk from B+ rated Jebel Ali Free Zone (JAFZ) have come from investment-grade issuers. Raber believes the next stage of development in the GCC sukuk market could see increased appetite for lower-rated names. The fact that JAFZ's sukuk, which was priced in June 2012, has been doing particularly well in the secondary market with sukuk trading up to 105 indicates that there is an increased demand from investors for high-yield sukuk.
In the bank capital market in 2011, Bank Al Jazira issued one billion Saudi riyal sukuk, which is the first-ever public tier 2 capital sukuk. The structure has been seen as the possible template for Islamic financial institutions to address their capital requirement as well as help them manage the regulatory changes arising from Basel III implementation in 2013.
"I think we should expect to see more bank capital transactions. The issuances of bank capital securities will be in line with the development of the banking regulations. As Basel III gets implemented and the rules become clearer around tier 1 or lower tier 2, we will see more issuances. Right now, due to the ambiguity around some of the capital regulations, issuances slow globally, not just for sukuk deals," argues Raber.
"For the market's development, it will be good if we start to see broader names and styles of issuers coming to the market. It would be exciting if we see high-yield borrowers interested in doing sukuk transactions," Raber continues. "There have been some good transactions from corporate names and I think it is a matter of time before this sector takes off. In terms of challenges for the market: some countries lack a clear regulatory and tax framework to issue. That is probably one area where we can expect to see more development to facilitate sukuk issuance."
Shariah compliance
While Southeast Asia, and in particular Malaysia – currently the largest Islamic finance market in Asia – is seeing some ground-breaking sukuk structures, the issuances coming from GCC are typically pretty straightforward with little deviation from the precedents. "In Southeast Asia, there has been some adjustment to structures in order to incorporate underlying assets to be used. That comes down to interpretation of principles. In GCC, we don't see meaningful changes on that. Precedents have been set and deals follow such precedents," says Raber.
In general, Shariah principles interpreted in Malaysia are considered to be more liberal than in GCC. Some of the structures would be acceptable by the Malaysian school of thought, but not by the GCC and the Accounting and Auditing Organization for Islamic Finance Institutions (AAOIFI). AAOIFI is an independent governing body that promotes and maintains Shariah standards for Islamic finance.
For example, when planning to issue sukuk, a company typically has two options: either it already has Islamic assets on its books that it can use to structure the sukuk, obviating the need for a "use of the proceeds" clause. Or, without Islamic assets, it can use the commodity murabaha to raise any amount of Islamic capital, on the implicit condition that the money is used to build up an Islamic asset portfolio and not for conventional activities.
This commodity murabaha structure is not a tradeable structure as per the GCC and AAOIFI's Shariah norms, which require this structure to be traded at par.
As a result, sukuk from the Middle East typically are not based on pure murabaha structures. In contrast, in Malaysia, murabaha structures can be traded just like any other structure (such as musharaka, ijara or wakala structures) and are regularly used to issue sukuk in the local currency market.
A recent example of a commodity murabaha structure running into trouble in the GCC has been Goldman Sachs' planned US$2 billion sukuk, announced in October 2011. Controversy arose over the use of the commodity murabaha structure, the lack of restrictions on the use of the proceeds in non Shariah-compliant business activities and the fact that the sukuk would be listed on the Irish Stock Exchange (which may not have been able to guarantee that the murabaha sukuk only be traded at par, as per GCC and AAOIFI norms).
As a result, the sukuk is yet to be issued although Goldman Sachs has insisted that its sukuk has been approved by ten scholars and meets all the necessary criteria.
Lack of central body
The Goldman's sukuk case highlights the nature of the Shariah-compliance approval process in the GCC. While there is growing uniformity in Shariah interpretation in the region, interpretation of Shariah principles continues to vary across jurisdictions. In an international issuance, the Shariah principles that are most acceptable to investors in the Middle East are used to ensure larger investor participation.
Malaysia and Indonesia follow a centralized model, which helps to speed up market and product development. Shariah structures are usually monitored and approved by a body on a national level, such as Bank Negara Malaysia, the country's central bank and the Shariah Advisory Council (SAC) of the Securities Commission in Malaysia, and Dewan Syariah Nasional (DSN) in Indonesia. (Though the DSN is not a regulatory body, it still provides a common Shariah view for the local Islamic market.)
In Malaysia, a sukuk structure has to be approved not only by the Shariah committee of the sukuk-arranging bank, but also by the sukuk regulator in the country, which would be Bank Negara (for retail and corporate banking products and insurance) or the SAC (for capital market products).
|Ahsan: Different Shariah interpretations spur creativity and innovation
In contrast, the GCC has no central body and has different Shariah committees sometimes even within the same country, and developing and approving an innovative structure takes time. "While complicated structures have also been developed in the Middle East, innovation has to take a different route in the Gulf region than in Malaysia," says Ahsan Ali, head of Islamic origination at Standard Chartered.
"Innovation has to be initiated by banks individually and when banks come up with products they have to make sure that the products will be accepted by the maximum number of market participants as there may be differences in interpretation. We try to ensure that we develop products and solutions which are accepted by the vast majority, say 90% of the market participants. We follow generally accepted Shariah principles in structuring the products in line with the AAIOFI guidelines, and with consultation and approval from our own board of scholars widely respected and recognized in the market."
Ali adds: "The differences are not as wide as they are sometimes made out to be. For example, 90% to 95% of the participants agree to the common principle and 5% to 10% may have a different interpretation. If you have 90% commonality, it is easy to bridge the gap. In fact, the differences in Shariah interpretation have spurred creativity and innovation. You can use different routes to arrive at the same product to ensure that it is acceptable to various scholars of Shariah law."
The centralized model of Southeast Asia has provided greater clarity in terms of the legal recourse and infrastructure available to stakeholders of Islamic finance. "Malaysia is more advanced and has made more progress in creating the right infrastructure," says Agha, who notes that the GCC is lagging behind Malaysia in developing the right Islamic finance infrastructure.
"This is still a nascent market and the GCC governments are coming around to the realization of the importance of a legal infrastructure governing Islamic finance and predictability/enforceability of the legal documentation. The sooner such regulatory changes are implemented, the better it will be for investment in this region and for the legal infrastructure. This is the most critical thing the GCC needs to get working on, from an Islamic finance developmental perspective."
Contractual rights vs Shariah principle
As the sukuk market grows in the Gulf region, Shariah experts are concerned that not all sukuk are faithful to the basic Shariah principles of risk sharing and partnership.
Oliver Agha, managing partner of Agha and Co, believes that the way some sukuk are structured as conventional bonds could result in a backlash when these structures start to unravel. "It is safe to say that there could be significant enforceability problems with some sukuk structures," posits Agha.
"Some represent a purely conventional risk profile, and depending on where such structures are adjudicated and which law is applied, some may suffer from enforceability issues. The market needs to move towards more genuine Islamic constructs that serve the long term goals of the markets reputation and stability."
Sukuk contracts co-exist with the local laws of the country of incorporation of the issuer, or often English law if it is an international issuance. The Shariah component of a sukuk is approved at the time of issuance by the Shariah committee of the structuring bank or lead managers, which comprise a number of Shariah scholars. These contracts are then governed by the normal commercial law of the country or international English law.
n most GCC jurisdictions, if sukuk run into trouble with enforcement issues, those deals are tried in a normal civil court which will decide upon Shariah contracts based upon the country law, unless it contradicts Shariah principles. However, judgement from an English court or any overseas court can be re-examined by the local courts in the individual county, where the enforceability of foreign courts may be questioned if it is deemed that the contract does not comply with Shariah principles.
Agha says sukuk are essentially meant to be an equity type investment. As such, structures that guarantee return of principal or profit are fundamentally incongruous with a sukuk structure.
"Investors are relying on certain documents thinking they are buying Islamic bonds where in reality Islamic bonds do not exist. If the underlying company does not do well, although investors have the contractual right to get a certain percentage return and the principal back, from a Shariah perspective they could get less than their principal back and less than the agreed profit rate depending upon the performance of the company," he warns.
However, Ahsan Ali of Standard Chartered disagrees. "Sukuk are in no way inferior to conventional bonds issued by the same issuer. They usually rank the same as senior conventional bonds in terms of credit ranking, and all sukuk have been rated the same as other senior obligations of the issuer," says Ali.
"While there have not been many court cases involving disputes on sukuk (or other Islamic financing contracts), several negotiated restructurings involving these contracts have taken place. There has never been a case where Islamic financiers have been treated junior to the conventional lenders in any of the restructuring processes, simply because one contract involves an Islamic structure while the other is a straight loan or bond," asserts Ali.
Agha believes for the sukuk market to take a more sustainable growth trajectory in the GCC, there needs to be predictability about the enforcement of the underlying documentation. "Ideally, jurisdictions should have a legal/regulatory infrastructure detailing rights of the participants. Clarity on enforcement of legal documentation would go a long way in stimulating the market."
Agha says that various countries in the GCC ought to consider establishing a Islamic finance task force or committee with each such taskforce developing a ten-point plan per country.
"That ten-point plan should include the establishment of a central Shariah board, adoption of certain AAOIFI guidelines in relation to certain product structures, setting up of laws and regulations that govern Islamic finance in the region, and setting up of an Islamic finance dispute resolution forum. A lot of work needs to be done and that entire structure needs to be developed," he says.
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Congratulations for making it to Week Three of my Living With Less Challenge! Knowing how to live with less is not easy, so I hope you have enjoyed de-cluttering your wardrobe and your home over the last 14 days. I bet you feel like a new person and living like a minimalist is getting easier! For the third week of the challenge, I want you to focus on the technology in your life. TELEVISION How many televisions do you have in your house? If you answered more than two, get rid of the rest. Immediately. You don not need that many. And as a rule, do not have any televisions in the bedroom; this is a place for relaxation, time with your loved one (wink wink), and sleep.
MOBILE DEVICES How many mobile devices do you own? Let me guess – mobile phones, laptops, iPads and more? Honestly you don't need that much technology. It stops you from being present. Not to mention it clutters your living areas at home. Get rid of a few.
EMAIL People who live a minimalist life are more productive. It's a fact. Is your Inbox absolute chaos? If so, clean it out. Delete unnecessary emails. Organise your folders. Unsubscribe to newsletters you don't read. I recently used this amazing tool that unsubscribes you from any newsletter from the one place and it has completely changed my life. For more tips on how to simplify your email, take a look at this.
MOBILE PHONES Living life as a minimalist includes the time you spend on your mobile phone. I'm not interested about how many you own, but I am interested in how mobile phones take up your mental space. These days I can't even get on the bus or train without every commuter being glued to their phones. Boring. What's worse is that posture is going to be a huge problem in a few years as a result of people hunching over their phones.
This stops now. De-clutter your mind by turning your phone off when you go to bed and not turning it on again until the following morning, when you get home from the gym or when you get to work. Start living in the real world, get outside and go on an adventure!
Have you experienced any struggles with de-cluttering your wardrobe and home? Most people I talk to say they find it difficult to part with their 'things' but when they do, they feel like a weight has been lifted off their shoulders. I'd love to know how this journey is making you feel!


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What are the most popular gaming forums that you use other than Gamespot? Since the destruction and revamping of the Gamespot forum a year or two ago it seems every time I visit here this one is basically dead compared to what it used to be.
So with that being said, what are the most popular FORUMS that you visit other than Gamespot that have good community participation and are geared towards gaming, and hardware.


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Let's get started with Digital Marketing
Do you want to create a Brand? Just take a look at various modes you use for promotion of your Brand/Services, You may use- Newspaper Ads, Flyers, Hoardings, Electronic Media, Radio etc. These are the most common ways people use for marketing. But do you seriously know up to How many people you will reach? Will these channels give you return on investment? How much growth in sales you will make after such investments? Many questions like this may arise in your minds before getting started with these traditional ways nowadays.
On similar lines, Digital Marketing is evolving as a New Brand Building techniques to create awareness about your Product/Services, reaching the potential audience, generating leads and finally increase in your sales. We are sure you must have heard more or little about it.
So Let's begin with – What exactly is Digital Marketing? Digital Marketing is simply promoting your Brand by using Digital Media such as Website, Social Media or Search Engines
Today, Large population is active on Social Media or on Google, Finding their friends status update or photos or searching for some product or service they wish to buy or trying to learn something. In short, the majority of your desired audience is available to you – Online.
Moving further now we shall define the ways of doing Digital Marketing-
- Website
- Social Media
- Search Engine
Let's see more – How they work for you and your brand.
A Website/Blog– Your website is a virtual location of your business, which comes with great advantages and features, say you want to sell 10 different products and you need to market them. In case if you use your website effectively to showcase your products, customers would be able to see photos, features, price of your products on the website. also, website will help you to sell them too. If your Product/Service is unique but less known, you can use a blog to make them familiar. You can write amazing things about your product and promote them on social media so people would get aware of it. There are different formats of websites for different types of businesses. This is just a basic introductory part but it will surely help you in understanding the benefits of a Website in Digital Marketing.
Social Media- Social Medial includes various channels like Facebook, Twitter, Instagram, Linkedin, Google+, Quora and many more. The social channels are increasing rapidly, but the most important thing here is that which among them really suits your business needs? If you have an answer to this you can easily use one or more channels effectively. Social Media offers a variety of features to reach out to people and creates a brand value. We will go in details about these features in upcoming blogs. But for now, understanding the use of Social Media in your business is more important for you.
Assume you choose Facebook to promote your Product or Service. Then you need to understand, How Facebook will help you growing your Brand. You will need to do various things such as optimizing Facebook page, planning editorial calendars, crafting graphics and so on. These things will create an engagement which is eventually brand value that will absolutely help you in growing. This is all for Social Media, We will drive deeply in upcoming blogs.
Now come to the next equally important channel,
Search Engine- What is search Engine? Most of us will agree that Google is synonymous with Search Engine. That's just partially correct, a Search Engine is a website where people search something and in return, that website provides thousands of web pages related to that search.
Now Let's see how a Search Engine do marketing for you? As I described earlier, the website provides you thousands of web pages for any search, But we usually see that few of them appear on the first page, those first few page results means that those businesses have done search engine optimization for their websites.
Search Engine Optimisations commonly known as SEO is another channel of Digital Marketing. TO use SEO a winning factor for your marketing campaign. You must plan your SEO strategy and use it effectively. SEO is an ocean and this is just introduction to SEO. We will broaden the SEO concept in our upcoming blogs.
Another important thing in SEO is Local SEO which helps to promote local business. A business which only operates in a particular location, For Example, a departmental store which is located at the particular location and has an audience only limited to that city. The Local SEO helps local businesses to create their identity by following a few steps. So a user can easily find their physical location and reach up to them.
This is all about organic (Free) Digital Marketing we introduce you with Paid Digital Marketing in upcoming blogs. Paid Digital Marketing has various features like targeting, segmenting etc.
This was just an Introductory part and We assure you we will be posting more of such posts in near future. We hope this will be an exciting Tech Journey. In case if you have a query or you want to know more about it, comment below. All your suggestions and feedback are welcome, We will love to hear back from you.
Image Credits- Freepik


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I want very desperately to volunteer in Missionary work this summer. After college I want to do missionary work as a health care worker, probably a nurse. I hope to work with children. As for now I'd just love to travel and volunteer. If you have been on a mission please let me know, I'd love to hear about it!
Hopefully after summer this whole page will be filled with my personal mission experience!


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Check out my MS Run the US Page!
Recent Posts
Former Thoughts
- Follow Running with my Thoughts on WordPress.com
Often in life we set out to do things with high expectations of the results. Many times we are convinced what the final outcome will be and of the path we will take to get there. It is easy to … Continue reading
I wish I had been as adventurous and willing to try new things throughout my life as I have been in recent years. I can't imagine where I may be today had I done so. That statement may sound a … Continue reading


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Camping facilities
Breakfast and or meals are served
Horse riding facilities
Cycling allowed and or mountain bikes to rent
Things to do and places to visit in and around Luderitz
Great food
There are plenty of great restaurants in Luderitz ranging from Ritzi's Seafood Restaurant, the Barrels restaurant, Diaz Coffee shop and the Luderitz Yacht club.
ghost town in the Namib desert
10 km from Luderitz
It was named after a transport driver Johnny Coleman who, during a sand storm, abandoned his ox wagon on a small incline opposite the settlement. The town started to decline after World War I when the diamond-field slowly started to deplete. By the early '30s, the area was in decline. Hastening the town's demise was the discovery in 1928 of the richest diamond-bearing deposits ever known. These were on the beach terraces 270km south of Kolmanskop, near the Orange River. Many of the town's inhabitants joined the rush to the south, leaving their homes behind. The new diamond find merely required scouting the beaches. Kolmanskop was ultimately abandoned in 1954.
Halifax Island
breeding site for African penguins
Also referred to as the jackass penguin, these penguins only breed in Namibia and South Africa. Their population decreased by 95% over the past 100 years. They are on the IUCN Red List of Threatened Species. It is feared that they might become extinct within in the next 10 years.
Goerke Haus
in Luderitz
The discovery of diamonds in 1908 by August Stauch started a diamond rush, drawing prospectors from all over the world. A number of luxurious villas sprung up, which became known as diamond palaces. One of these was the Goerke House (designed by architect Otto Ertl), the villa of the mine inspector for a German diamond-mining company.
Koichab dunes
The Koichab dunes can only be visited while on a guided tour due to it being in the "Sperrgebiet". It is a brilliant stop for photographers.
You can visit the Elizabeth Bay Mine (another ghost town), walk on the Agate Beach, check for ships from the Dias Point and pose for a photo at the Bogenfels Arch.
Haus Sandrose
in Luderitz, 15 Bismarck street
Haus Sandrose has four double units for you to choose from, Halifax, Bogenfels, Grosse Bucht. Kleine- and Grosse Bucht can also be
used as a Family Unit. Halifax and Bogenfels units have a kitchenette with microwave, 2 plate cooker, sink, kettle, toaster, crockery, cutlery, coffee plunger and a fridge. Kleine Bucht only
has a kitchenette with sink, crockery, cutlery, coffee plunger, toaster, microwave, fridge and kettle. Grosse Bucht has a fully equipped kitchen and is also wheelchair friendly. All units have DSTV and
an en-suite shower and toilet. We are within walking distance of 3 Restaurants. Vehicles park in front of the Guesthouse, in the street, under 24HR camera surveillance!
✉ email@example.com
☎ +264 63 202 630
Location: Google Maps


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TDF: Coconut, Fig & Pistachio Raw Cheesecake
This month I have got the absolute pleasure of being The Design Files Tasty Tuesday featured foodie! This is a HUGE deal for me. When I first found out I was going to be featured I was driving my car (oops..) and started crying with happiness. Not the best combination I'll give you the tip. I had the biggest smile on my face that day, and today I have got that same smile now that the first post has gone live.
The guys at TDF (Lucy and Lisa) are absolute geniuses - and the website is nothing short of amazing. I have always looked at the Tasty Tuesday posts and ogled the awesome photos just in absolute amazement of what the chefs created and the beauty of the food styling and photographs.
In the first addition to my July Tasty Tuesday feature you can peep my Coconut, Fig & Pistachio Raw Cheesecake and each Tuesday this Month here on another recipe from me will be popping up on their site! I cannot wait for the other posts to go up - and simply cannot thank these guys enough for featuring little me on their blog and thank them for this opportunity.
Thank you to everyone also who has shown there support so far and subscribed. It's so overwhelming! I have not been able to wipe the smile off my face. If I could, I would hug each and every one of you and cook you all delicious things.
Here are the photos from this weeks post below, and you can catch this weeks full post here.
Recipe/Food Prep: Kate Bradley/Kenkō Kitchen
Styling: Lucy Feagins/The Design Files
Photography: Eve Wilson


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I guess this page is for those of you who are either curtain track fitters or DIY handy people who have a large curtain fitting job to do where there are a lot of bends. NOTE these video instructions are for curtain tracks, generally metal that can be bent by hand. Among these is the Silent Gliss 1080, but the 1080 also requires that you use a Filler Set to ensure that the glider and bracket channels aren't deformed when you bend the track. I also used the bending former featured in the video for bending the Integra Regular curtain track, but again the Regular track needs a Bending Kit and I used the bending former to create a stable base.
Most often you are going to use a bending former to bend metal tracks for bay windows. See my page on Bay Window Curtain Tracks and Poles.
Various tracks can be bent by hand:
- Silvo
- Brass I-Beam
- Silent Gliss 1080 ( requires a filler set )
- Rolls Superglide
- Speedy Fineline
- Speedy I-Line
and I expect many more that I haven't yet come across.
Below is a screen shot from the Making a curtain track bending former video which lasts just under 10 minutes
Purchase access to oomtoo, or buy any product from oomtoo and you will be able to access all content, text, images and videos as well as an enhanced site search.


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Kimberism: If you can believe it, you can live it! I am continuing on from my last post, Things that Make Your Heart Go Pitter Patter with another of my favorites, The Bucket List. However, lets just call it what it is, The Outlandish Big Dream List! I encourage you to make a list, or update an old one for the New Year too. Make your list as detailed as possible. Be bold, be courageous, be authentically you and be as outlandish as you dare to be. Don't worry what others may think. Give yourself permission to dream big!
The next step of course would be to set in place the strategies, structures and support to see these things come to pass. Wishing will get you nowhere! Intentional action will carry you from where you are to where you desire to be. Make this a year of outlandish dreams and intentional growth.
- Abundance on the inside translating externally
- New books published in 2012 with the right support team
- Books selling like hotcakes with international impact
- Fun dinner parties
- My own talk show
- Our family show
- A year of wonderful clients who understand the value of investing in their lives through coaching. Connecting with ideal clients
- Continued transformation and fruitfulness in the lives of my coaching clients and those in my programs
- The perfect technical wiz to expand my business capabilities
- Meet fun, enriching and inspired girl friends
- Invitations to speak at inspired women's events with other powerful change agents
- Travel to Greece for a fabulous girls trip
- Family Christmas trip to Mexico
- Collaborating with fun, savvy women/men on events and projects
- Inspired art projects and work selling through new outlets
- The opportunity to support more philanthropic ventures
- Mark working with a team he loves and enjoys
- Booking a commercial
- Having outrageous fun in work and relationships
- Family vision expanding, partners coming on board
- Income coming in beyond my expectations
- A year of romance with Mark, God and life
- Children thriving in their giftings
- Excited or each new day of unexpected possibilities
- Singing with a band again
© Copyright 2011 Moxie Me Institute, BE U LLC. All Rights Reserved


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Today I'm proud to announce the publication of a new book: PRAYING SAFE — The professional approach to protecting faith communities!
This book is all about helping churches, synagogues, temples — religious institutions of all types — protect themselves from a wide range of threats.
This book came about because my co-author, Joshua Gideon, and I have grown annoyed with the superficial and often ...Continue Reading →


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A foreclosure can do more than ruin your view, they can hurt the financial health of your neighborhood. But you don't have to let it ruin your home equity.
Prevention makes the biggest difference. Be a good neighbor. If you know one of your neighbors is going to foreclose find out what you can do to help keep the property looking nice and be sure to maintain your property. If the neighborhood looks nice chances are the foreclosure won't be vacant long.
If you see broken windows, trash in the yard, or overgrown weeds, report them quickly. You don't want to problem to get worse. This isn't a big problem in Naples, Bonita Springs or Estero, but being prepared will continue to prevent a foreclosure from hurting housing prices. An eyesore can turn into a health or safety hazard quickly.
Another option is to help sell the Florida property. Call Larry Halpin to help sell your FL property. Talk up the area and see if you know anyone who's looking to buy in your area.
Don't waste your time trying to find out who owns the house to make them take responsibility, and avoid trying to fix the problems without permission. Go through the proper channels.
Tags: Estero, FL, Florida, Larry Halpin, Naples