text:
Celebrating the Summer Fitness Challenge
An Ever-Evolving Approach to Safety and Security
Training together to ensure school safety
District's Mental Health Team focuses on students' stability, well-being
Raptor safety system soars into second year of districtwide use
CMS becomes training ground for Greenwood Village PD
Superintendent talks about school safety
Improving safety and security
Cherry Creek reviewing school safety and security plans with local law enforcement
You are now leaving the Cherry Creek School District (CCSD) portal. Please note that CCSD does not control nor can it guarantee the accuracy, relevance, timeliness, completeness, or appropriateness of any content contained on web sites and/or pages outside of the official CCSD portal. The information or opinions contained on these web sites and/or pages do not necessarily represent the views of the CCSD.
With access to the internet comes the availability of material that may not be of educational value or appropriate for students. While at school, CCSD has taken precautions to restrict access to inappropriate or harmful web sites. However, on the internet it is impossible to control all materials and limit all access to information that has no educational value. CCSD firmly believes that the valuable information and the interaction available on the internet far outweigh the possibility that users may procure material that is not consistent with the educational goals of CCSD.


text:
Ask your question
Weaving together 60 years of sailmaking expertise, innovative technology and bold design, our North Sails performance apparel is made for adventures on land, sea, and everywhere in between.
COOKIE DISCLAIMER North Sails uses first-party and third-party cookies to optimize and personalize your experience. For detailed information on which cookies are used click here. By clicking on "Accept and continue" or by closing this message you accept all cookies set by this website.

subset: commoncrawl


text:
Find The Loan You Want Today!
Access to the Top UK Lenders | Loans up to £25,000 | Pays Out within 15 minutes
All in Just 3 Simple Steps
The online form is entirely
online so it's easier than ever.
You will get an instant decision
from our expert team on hand.
The money will be deposited
directly into your account.
Your One Stop for Loans
It doesn't matter what kind of financial situation you are in, what your credit is like or what your bank told you when you tried to get a loan from them. We have so many lending options available through lenders we broker for that just about everyone is eligible for some of these loans. Our lenders offer both personal and short term loans, ranging from just a few months' duration up to 36 months. You can choose from small loans you pay back quickly to larger loans that take years to repay.
Your options are immense, when you choose Lendplex, and we make it easy for you to discover the one loan that fits your needs perfectly.
Joint Loans in the UK: Finding the Best Loan Solutions
As the demands for loans and other loans services continued to increase throughout the years, the consequent rise in the number of borrowers as well as the parallel surge in the volume of unpaid debts have brought about problems that left not only traditional lending institutions and firms, but more importantly — the borrowers — in difficult circumstances. In response to what were then pressing problems, traditional lending firms and institutions decided to devise a credit scoring system, designed specifically to work towards their agreed ends. Under this credit scoring system, lending institutions and firms were given the capability to easily classify borrowers according to their individual financial capacity. Borrowers whom the lending institutions perceived to be likely to be incapable of paying off their loans were easily segregated from those whom they believed to be likely capable of paying off their loans without any problems. Through this credit scoring system, individuals who earn less than what the lending institutions have set as the required minimum were given poor credit scores, while borrowers who, for whatever reason, may have repeatedly or frequently missed out on their regular payments found their financial records automatically reflect their bad payment history. As a result, borrowers with poor credit scores and bad payment histories were automatically disqualified and precluded from acquiring any type of loan from any of the lending institutions. But while this credit scoring system proved to be of great help to the lending institutions and firms, its long term effects proved to be extremely disadvantageous and detrimental to the borrowers' finances.
Since borrowers with poor credit scores and bad payment histories were no longer allowed to secure any type of loan from any of the legitimate lending institutions, borrowers who found themselves in urgent and serious financial crises were often left with very little, often implausible, impractical, or downright uncomfortable and unacceptable alternatives. And because asking for money from friends and members of the family, and selling of personal properties in order to raise money are not always plausible, nor are they always easy, many borrowers who find themselves in urgent financial predicaments often resort to taking loans from illegally lending individuals and firms. But while this option does provide borrowers the temporary monetary relief that they urgently need, its long term effects to the borrowers' finances often leave them in a cycle of difficult financial circumstances. With the exceedingly high interest rates normally associated with these types of loan services, borrower are often left in much worse financial circumstances.
Getting Joint Loans for Bad Credit
As more and more borrowers with bad credit find themselves in similar perpetuated financial difficulties, a new market composed entirely of borrowers with bad credit was inevitably eventually created. And with the incessantly increasing demands for better, more affordable, and safer loan services in this newly formed market, lending firms and institutions later on came up with innovative new financial solutions.
With innovative new loan services such as joint loans for bad credit, borrowers now finally have much safer, much more flexible, and so much more affordable loan alternatives especially in times of urgent financial crises. Through these types of loan services, borrowers need not have to submit impossibly hard to procure requirements.
Just as the name itself indicates, joint loans are actually loans that two or more borrowers can secure together, which can be in much higher amounts than that of typical small loans that are normally to be paid over in shorter payment terms. This loan option makes it possible for borrowers to borrow money in bigger amounts than that allowed when procured on their own, individually. And because through joint loans, borrowers need not have to pay off the loan on their own, these types of loan services are actually easier on the borrowers' budget.
How to Get Joint Loans and Instant Loans for Bad Credit
With innovative new loan solutions such as joint loans for bad credit, borrowers finally have more convenient and much safer financial alternatives. Through joint loans and instant loans, borrowers now have the convenience of being able to submit their loan applications even right straight from the comfort of their own homes. And since everything can now be done entirely online, borrowers now have the convenience of being able to submit their loan applications anywhere, anytime. With the latest advancements in technology, as well as the continuing evolution of the lending industry, borrowers now have the option to complete their loan applications entirely online. And because everything can now be done entirely over the internet, borrowers can now expect for their loan applications to be processed the moment that they are submitted. Approvals for these applications, on the other hand, may now be expected in as little as mere minutes after they were submitted, while the release of funds for approved joint loans and instant loans may now be completed in as early as the exact same day that the loan applications were submitted.
Because of these useful and convenient features of joint loans and instant loan solutions, these types of loan options actually make good solutions in addressing urgent financial situations. And since joint loans can be loans in bigger amounts and much longer payment terms compared to small loans, these types of loan solutions actually also make great options in addressing more complicated financial situations.
Getting Joint Loans from Direct Lenders
A common misbelief among borrowers is that because taking loans from the lenders directly do not involve having to pay for loan brokers' fees, it follows that this option provides more savings and more benefits even in the long run. What borrowers often fail to see, however, is the fact that because loan brokers have extensive connections to different lenders in different regions, it also follows that they have comprehensive access to all the deals and discounts that these lenders offer across their various lending services. Consequently, borrowers who opt to secure loans with the help of loan brokers actually enjoy much more savings and far more benefits in the long term.
Representative APR is 1325%, if you borrow £200 over 6 months at 292.0% p.a. (fixed) your first repayment will be £33.60 followed by £96.00, £75.84, £66.88, £62.40 and £48.96 the following months. You will repay £383.68 in total, there are no additional fees.
Representative example
A loan of £7,500 over 5 years will cost you £157.40 per month at a representative 9.9% APR.
The total cost after 5 years is £9,443, which includes £1,763.93 interest at 8.8% fixed and a £180 fee. The total amount of credit is £7,680.
How Much Do You Charge?
Lendplex charges nothing for its services. We have no payment options available on our website, as you may notice, because we never charge you. Additionally, you don't have to pay the lenders extra just because we are bringing you and them together. Our services are completely free of charge.
How Long Do I Have to Repay the Loan?
The length of the loan depends on two factors- how big the loan is and what the lender's terms are. Each lender has their own terms, and the larger the loan is, the longer you usually have to repay it. Interest rates may change as well based on loan length and the size of the loan.
Be sure you pay attention to the lending terms, as it is important to pay back the loan on time and in full. If you don't, then you will have to pay additionally. How much extra you will have to pay will depend on each lender's own terms.
Is It Easy to Be Approved for a Loan?
This is the biggest hurdle many people have to overcome when they want to get a loan- eligibility. Either they simply aren't eligible or they fear they aren't. Many people believe they would not be approved for a loan because they simply don't have a lot of money to pay for a loan. What they may not realize is that with all the lending options our lenders have available, there is likely a loan or two that will fit just about anybody. You may be able to find one that you can pay very gradually on without a lot of interest and still get the full loan amount you are looking for. You won't know until you try our loan matching service, though. It's fast and simple, and you can find out in moments if you are eligible.
5 most recent personal loan reviews
I didn't expect that I would get a loan being that there was so many loan companies with so many requirements. When I tried Genie Lending, the process was swift, as soon as all my documents were sent to them. I am impressed and happy beyond words. It was such an easy process. Rates were quite high but that's expected for a bad credit loan. Thank you team Genie.
Review posted by Emmanuel Forsberg, Stafford
Customer Service
Ease Of Use
Value For Money
Very easy and very honest about what they offer and the rates are very good as well. Also the people I spoke to was very easy to talk to. Definitely would recommend to anyone in need of cash quick long or short term. Ps thanks Joseph
Review posted by Daniela Hyatt, Luton
Customer Service
Ease Of Use
Value For Money
My wife has very poor credit and was in urgent need of a new vehicle to get her too and from work. Luckily Everyday Loans agreed to give her a loan, which should start to build up her credit. The application was quick and easy (she did it on her phone over breakfast), and the money was sorted out within a couple of days. The interest rates seem very fair too considering the credit score.
Review posted by Gary Coombe, Glastonbury
Customer Service
Ease Of Use
Value For Money
We source our reviews from TrustPilot to ensure authentic results.
Representative Example:
305.9% APR. £400 borrowed for 90 days.
Total amount repayable is £561.92 in 3 monthly instalments of £187.31.
Interest charged is £161.92, interest rate 161.9% (variable)
Please note:
Loanora is NOT a lender – we are a licensed broker working with the most popular direct lenders in the market to find you the most suitable short-term loan plan. Our FREE quoting service compares more than 40 lenders quickly and finds you a lender with the lowest rate that they are willing to lend to you today.
Rates from 45.3% APR to 1575% APR – we provide a no obligation quote, your APR will be based on your personal circumstances


text:
Michael Murphy Home Furnishing had a very basic old website and approached Brand Nova for an E-Commerce solution. We consulted with them on how we could build out a fully functional eCommerce platform with an integrated payment gateway.
We also looked at how we could improve the traffic to the site and also assisted them with their conversion Funnel in the built.
- eCommerce since 2012
- Simple UI/UX customer experience
- Increase revenue by 67%
- 130% increase in mobile traffic
We engaged Brand Nova to a design a new eCommerce website to incorporate activity with social media and connect on a better more personal level with customers.
They transformed our mediocre web presence into a fresh dynamic site with an easy user interface. Our website traffic increased drastically. When the business was expanding again Brand Nova did their magic and developed a fantastic site.
Michael Murphy Home Furnishings


text: I am glad that I found an online site today that is very interesting because they are making logo designs in business and etc.Now I am introducing you the easiest way to reach them for it was online every time. No need to spend money just to find them, just only search online so it's the best time to look for what logo designs that match in your company or business. This site was made to give you satisfaction services. If you want to be lucky then try their logo designs now that can help you progress. Guys just also tell your friends to visit this site, if they have business then it's their pleasure to know and care for. Well for now I am giving you to the right direction in where to visit them at Logo Design Company Well I guess you will like it guys, now what are you waiting for? Give them a try; I know you won't regret if you do. Just give care to what you need now, be the best client, anyway guys I will tell you from now that no client's blame them of their services given because everything they made is perfect a match logo you wish for your business and etc .In the other hand no other best logo designers you will found the best from now on but this is the only one logo designers team that I found is the right for you. Ok guys just visit them now, good luck.


text:
Create an Account - Increase your productivity, customize your experience, and engage in information you care about.
2019 Recreation Guide (PDF)
Updates to 2019 Recreation Guide:Basketball camp will run Monday - Friday from 7/22 to 8/2 Canoe Trip is scheduled for Saturday, July 27DATE:
TOWN POOLS WILL BE CLOSING AT 1PM TODAY, WEDNESDAY, AUGUST 28th, DUE TO RAIN.
PERMIT OFFICE HOURS:Permit Office is Now Open for the Season.Hours: Tues-Saturday 9:00am- 3:45pmIf you have any questions you may contact the Recreation Office via email or by phone (631) 360-7644


text:
Payday loans are becoming commonplace practice in the United Kingdom.
With the state of the economy on a downturn, many consumers are in desperate need of money to get from one pay cheque to the next.
How they work
Now, UK payday loans are offered online to allow for quicker processing and added convenience. Sometimes the funds can be deposited in the borrower's bank account within several hours. These instant loans are a popular solution to short-term financial problems because they can be obtained quicker and easier than loans from traditional financial institutions.
They can be used to help take care of certain unexpected financial obligations for people who are on a small budget. These loans are also referred to as cash advances. Cash advances are sums of money that are loaned until the borrower's next pay period. While some payday loan companies do not offer online application, many of the more established companies do.
Online Application Guidelines
When compared to traditional loans given by banks, English payday lenders such as SimplePayday offer a much more quick and simpler application process that includes minimal paperwork. This particular company says a typical borrower can expect to receive an amount from £100-£1,000.
The amount will also be determined by the money the borrower needs as well as their ability to repay the loan and their borrowing history, if any, with the payday lender. Usually, the borrower has 2-4 weeks to repay the loan and they will be required to borrow a certain minimum amount. All consumers who seek help from a payday loan company must be residents of the United Kingdom, at least 18 years old, a full-time employee and a bank-account holder.
Government Regulations
Payday loans in the UK are usually needed to handle urgent cash needs. In order to protect desperate consumers, the British Government has put several rules in place. These regulations prevent illegal lending tactics and safeguard consumer interests. Therefore, payday borrowers do not have to be concerned about being taken advantage of or having their personal information sold to third-party marketers.
The Online Application Procedure
The most hassle-free method of obtaining a loan is applying on the Internet. It is a rare occurrence for application data to be hacked because lenders are required by law to use website security measures to keep customer information protected. The majority of pay-cheque lenders do not require the borrower to submit to a credit-report review. The main factor that will determine an applicant's approval is their employment history.
While many lenders offer in-person and online applications, a few loan companies have started using paper-free procedures. This strategy makes the process more convenient for not only the consumer but also the lender. All information is verified electronically without the use of a fax machine.
Consumers who have an emergency cash-flow situation, but who are plagued by bankruptcy or bad credit have the option of obtaining UK payday loans. Some UK lenders specialise in loans that allow people to borrow an average maximum of £1,000 against an upcoming pay cheque. These loans do not require a prior credit review for approval. The lender will offer a loan amount based on the individual's ability to repay, which is determined by their bank account information and verified payslips.
Are these loans not high risk?
After obtaining a cash advance, the recipient will have to repay the money when they receive their next pay cheque. The typical loan term lasts anywhere from 14-21 days and comes with an applied interest rate. Because UK payday lenders do not perform a credit review or ask to secure collateral, they tend to charge above-average interest rates. But, in comparison to the traditional loan process, such as through banks or finance companies, obtaining a payday loan is quick and easy. Some lenders even allow customers to complete an application online, saving them an extra visit to the payday-loan store.
Fast Approval Process
Those who seek UK payday loans are usually approved quickly. The majority of lenders will file and approve an application within a 24-hour time period. Once approved, the customer can either pick up a cheque at the loan office or opt to have their borrowed funds directly deposited into their bank account. The fast approval process allows recipients to quickly take care of their financial issue quickly – sometimes the same day they are approved. There are various reasons that prompt British consumers to get payday loans. Some of these reasons include vehicle repairs, medical bills, utility bills, mortgage payments, rent payments and overdue bills.
Repaying a Payday Loan
While the specific terms will vary according to the lender, loan repayments are typically made in one installment. Most of the time, the lender will require the borrower to set up an automatic deduction from their bank account before or on the agreed-upon due date. It is imperative that the consumer ensures there will be enough funds to cover the repayment on the deduction date; otherwise an extra fee will be charged for the declined transaction.
A Word to Consumers
Although obtaining an online loan is an extremely easy process, it is necessary to compare the interest rates offered by various lenders before selecting a loan company. Each lender has their own fee structure that widely differs from company to company. Regardless, the extended fees for late payments, declined transactions and other anomalous charges are rather high in comparison to other lenders. Therefore, consumers are advised to repay their payday loan on time.


text:
Office Spaces for Rent in the Pill Hill Area
Make a Quick Enquiry or Add to List, then click SHORTLIST in top right hand corner.
Lake Park Avenue, Chicago, 60615
Our ref: # 20068
Our Hyde Park office space gives you workspace in Chicagos South Side. Hyde Park is one of the citys most diverse neighborhoods and is now considered a chic location because of all the dev...
call us
for pricing
S. Delano Court West, Chicago, 60605
Our ref: # 20329
Ideally situated for business in the dynamic South Loop neighborhood, this business center offers a range of serviced offices in Chicago suitable for businesses and entrepreneurs alike. This...
call us
for pricing
S Michigan Avenue, Chicago, 60604
Our ref: # 20009
Grant Park is ideally located in the East Loop adjacent to Chicago's central business district with unobstructed views overlooking its namesake park and Lake Michigan, in addition to being j...
call us
for pricing
S. Wabash, Chicago, 60604
Our ref: # 19557
We offer a professional office space in the South Loop with spectacular views of Lake Michigan, Millennium Park, and Grant Park. Our space is newly constructed with a variety of office sizes...
From $350
per person / month
West Jackson, Chicago, 60604
Our ref: # 15936
Strategically located in the Chicago Loop, the West Jackson business center is in a highly accessible position in this historic sought-after commercial and financial area. Its downtown setti...
call us
for pricing
W. Jackson, Chicago, 60604
Our ref: # 18628
Situated within one of Chicagos most recognisable landmarks, this business center comprises office space in Illinois, perfect for any growing business, or established companies looking for ...
call us
for pricing
E. Monroe, Chicago, 60603
Our ref: # 18143
Conveniently located just a few blocks from the citys financial center, this impressive business center comprises attractive executive suites in Chicago. This location is one of the citys ...
call us
for pricing
S LaSalle St, Chicago, 60604
Our ref: # 28555
Our premium workspace in the center of Chicago gives you instant access to public transportation, top hotels, and five-star dining options. This professional and productive space with pano...
call us
for pricing
Michigan Avenue, Chicago, 60603
Our ref: # 27599
Located across from the awe-inspiring Millennium Park, this downtown space is ideal for large teams, yet intimate enough for small meetings. This flexible space features two 65-inch televisi...
call us
for pricing


text:
Get a whopping 50% off luxurious certified organic Orient skincare, from now until the end of June 2019!! Chemical-free goodness; harnessing the power of nature to nourish and renew the skin. Pamper yourself at half the price... because you deserve it!!!
Happi Earth Organic Laundry Liquid
Power of Nature Instagram
Nutritious vegetarian and vegan recipes
Free Active Elements Assessment
Innature Natural Organic Bedding
Meridian Tooth Chart
Food Intolerance Testing Service
Plastic-free natural bamboo products


text:
A Farewell to Arms
〉 〈
A Farewell to Arms (1932)
Director Frank Borzage; writer Benjamin Glazer, Oliver H.P. Garrett; featuring Gary Cooper, Helen Hayes, Adolphe Menjou
A Farewell to Arms (1957)
Director Charles Vidor; writer Ben Hecht, Laurence Stallings; featuring Rock Hudson, Jennifer Jones, Vittorio de Sica
Wounded soldier Frederick Henry (Rock Hudson) is treated by nurse Catherine Barkley (Jennifer Jones).
A Farewell to Arms
Epic farewell
The 1957 remake of A Farewell to Arms seems like a good idea. Update the film technically with colour and improved sound. Give it more time, two and a half hours, to develop the characters and include more of Ernest Hemingway's novel. Play it more sophisticatedly for a more knowing audience. And make the war scenes more horrible.
In short, go for another Gone with the Wind—which is what producer David O. Selznik is reputed to have thought. Starting with the tagline displayed over the opening under the title: "A romantic tragedy of wartime."
But this Farewell to Arms, directed by the workmanlike Charles Vidor, raises the romance to an even giddier height, again swamping with sentiment the harder side of Hemingway's story. The actors, with Rock Hudson and Jennifer Jones in the lead, are up to the romantic task—despite Hudson being too 1950s-style good looking and despite Selznik's wife Jones really being too old (in her upper thirties) for the role. Famed Italian actor Vittorio De Sica takes the Rinaldi role as credibly as you would expectand earns an Oscar nomination for it.
We get more of the original story, with wonderfully awful depictions of the Italian retreat, the horrors of the arrest and sentencing to death of Henry and Rinaldi, and the excitement of the lovers' escape to Switzerland.
Moreover, the tragic conclusion is played out in excruciating detail.
Unfortunately now though, the film drags, especially in the endless love scenes and the ain't-we-got-fun montages of the lovers' romps in Italy and Switzerland between the serious scenes.
Oddly, neither this film version nor its forerunner were based directly on Hemingway's novel but rather on a stage play adapted from the book by Laurence Stallings. Oddly because the films are so different. The first one reflects Hemingway's style better, while this one captures more of the story.
Neither comes anywhere near what Hemingway created. But why bitch about it? Perhaps filming Hemingway's story exactly as written would have resulted in a drearier film that would interest no one, except a few Hemingway purists like myself.
I should probably be thankful I've never seen the 1966 television mini-series of Farewell to Arms starring George Hamilton and Venessa Redgrave.
A 1951 movie, Force of Arms, directed by Michael Curtiz an featuring William Holden as an American soldier in Italy during the Second World War, is supposed to be an uncredited update of A Farewell to Arms. Didn't see that one either. Will try not to.
— Eric


text:
What is the purpose of JGYD?
Jesus Global Youth Day (JGYD) 2019 is the first-ever simultaneous gathering of youth from all over the globe, with a historic assembly at the Mall of Asia Arena, Manila, Philippines. This celebration coincides with the United Nations International Youth Day in August.
The three-day conference, which starts on August 8th and culminates on August 10th, aims to unite, inspire, and challenge the young generation of today to initiate "CHANGE" through the message of the Gospel and the love of Jesus Christ.
Throughout the three-day event, there will be different conferences, plenary talks, and trainings conducted by internationally renowned resource persons and motivational speakers on various topics (i.e. leadership, evangelism & missions, worship, discipleship, campus ministry, etc.). There will also be worship concerts led by celebrated Christian bands and artists every evening.
Prior to this momentous gathering, several week-long Youth Mission Immersions (YMI) for international youth groups will be held in the Greater Manila Area.
What is the purpose of JGYD?
JGYD 2019 aims to provide the youth from all over the world with a life-changing opportunity to hear and discover together God's heart and calling for them. We want to see every young Christian of this generation united for Jesus and start a radical CHANGE in our world today!
We want to gather leaders around the world and mentors of youth to collectively learn and discuss how to effectively reach out and connect with the youth amidst the evolving challenges they face. Together we want to understand God's plan to reach and win today's youth.
JGYD's Outcry: "Love Christ. Live Committed. Lead Change."
JGYD Philippine Steering Committee
Bishop Noel Pantoja
Philippine Council of Evangelical Churches (PCEC)
Bishop Noel Pantoja is the National Director of the Philippine Council of Evangelical Churches (PCEC), the umbrella organization of 78 evangelical denominations, comprising more than 38,856 evangelical local churches and 268 missions and para church organizations in the Philippines. He is also concurrently serving as the President of Philippine Relief and Development Services (Philrads) – the relief arm of PCEC. He is also Chairman of the Board and President of the Philippine Bible Society; a board member of Asian Theological Seminary, Philippines; chairman of the board of Conservative Baptist Seminary Asia (CBS-Asia); chairman of the Philippine Missions Association; co-convenor of Philippine Interfaith Movement Against Human Trafficking (PIMAHT); council member of Multi-Sectoral Governing Council, Armed Forces of the Philippines; executive committee member of Asia Evangelical Alliance (AEA), and international council member of the World Evangelical Alliance.
Ms. Sally Ababa
Operation Mobilization Philippines
Ms. Sally Ababa is presently the National Director of Operation Mobilisation (OM) Philippines. It was in Cebu City where she started the work of OM among street children. With several youth volunteers who became her prime partners, they were able to do various community transformational development projects in Cebu and beyond. Today, she is also serving as one of the elders of Bradford United Church of Christ, Incorporated in Cebu City.
Bishop Leo Alconga
Philippine for Jesus Movement
Once the chairman of the Philippine Council of Evangelical Churches (PCEC ) Youth Commission, Bishop Leo Alconga is currently the executive director of International Needs Philippines whose ministry is among the children and youth. He is also the president of the Philippines for Jesus Movement, a coalition of churches and para-church organizations in the Philippines. He also sits as a board member of the Philippine Council of Evangelical Churches , the biggest coalition of evangelical local churches and denominations. He also serves as board secretary of the Febias College of Bible, and elder preacher of Pasig Bible Christian Church, his home church.
Bishop Juan Ancho Buenaventura
Life Church
Bishop Juan 'Ancho' Cruz Buenaventura is the Senior Pastor of LifeChurch Philippines and the Chief Executive Officer/President of LifeCollege, Inc.
As the Senior Pastor of LifeChurch since 1982, he is proactively ministering to a congregation of 7,000 strong members in Puerto Princesa City, Palawan. For 36 years and counting, LifeChurch has grown to become one of the biggest Christian churches across the island of Palawan which includes El Nido, Taytay, Rizal, Aborlan, Narra, Brooke's Point-Southgate, and church outreaches in various sitios and barangays. LifeChurch has also been able to transplant its Christ-centred DNA to its city churches in Manila, Samar, General Santos, and Koronadal, and to its international churches in London, United Kingdom, and Pacoima and Corona in California, USA.
Dr. Nora Lucero
Philippine Bible Society
Dr. Nora Lucero is the first woman General Secretary of the Philippine Bible Society. She also was the immediate past Chairman of the Global Board, United Bible Societies. She is currently serving in several boards and executive committees, including Febias College of Bible, Inter-Varsity Christian Fellowship, Alliance Graduate School, National Council of Churches in the Philippines, and Episcopal Commission for the Biblical Apostolate (ECBA-CBCP).
Bishop Ellie Mercado
Zion Christian Community Church
Bishop Ellie Mercado is the Vice Chairman of the Philippine Council of Evangelical Churches, and President of Zion Christian Community Church.
Bishop Jonel Milan
Philippine Campus Crusade for Christ
Bishop Jonel Milan is the overseer of Hope of Glory Community. Chairman of Philippine Ministerial Fellowship Network, ministering to pastoral movements and independent churches, he is also a broadcaster and a family counselor for Far East Broadcasting Company's Family Matters radio program. Moreover, he is the Chairman of Philippine Campus Crusade for Christ. In the past, he pioneered several transformational movements such as ASIN, Care for Philippines Prayer Movement, Parents & Teachers Hope of the Motherland (PaThom) Movement, and CATALYST, inspiring youth to effect significant change.
Bishop Cesar Vicente Punzalan III
Asian Theological Seminary
Bishop Cesar Punzalan is the Vice Chairman of the Board of Trustees of the Asia Theological Seminary. He also serves as Co-Moderator for Intrafaith and Interfaith Relations of the World Evangelical Alliance.
Bishop Chito Ramos
Alliance of Bible Christian Communities of the Philippines
Bishop Chito Ramos is the National Minister of the Alliance of Bible Christian Communities of the Philippines (ABCCOP). He is also currently serving as Deputy Director of both the Philippine Relief and Development Services (PhilRads) & the Philippine Council of Evangelical Churches (PCEC). Corporate Treasurer of Church Assistance Program (CAP), he is likewise a member of the Board of Trustees of International Needs Philippines.
Dr. Peter Tan-Chi
Christ's Commission Fellowship
Dr. Peter Tan-Chi is the Senior Pastor and Founder of Christ's Commission Fellowship (CCF). CCF is a movement that focuses on discipling and mobilizing people to be salt and light and make them all that God wants them to be. From an evangelistic home Bible study in 1984, CCF has grown into a church planting movement with the mission: To honor God and make Christ-committed followers who will make Christ-committed followers. Peter is also a successful businessman and entrepreneur. He is the Founder and Chairman of Axeia Development Corporation, one of the pioneer and leading mass housing and subdivision developers in the Philippines. He is involved in other businesses, such as construction, residential and commercial real estate development, poultry, education, and technology. Peter is passionate about the importance of healthy leaders and discipleship at home and in the workplace. He regularly speaks at seminars in different parts of the world on topics including marriage, parenting, leadership at work and growing healthy churches.
There are five ways you can participate
1. Attend the Global Pastors Congress
Church pastors to embrace the JGYD vision and attend the Global Pastors Congress designed for senior and youth pastors on Day 1, August 8th from 3 pm to 6 pm at the Mall of Asia Arena.
2. Send your youth leaders
Participate and send youth frontrunners and leaders to the Global Youth Leaders Congress on August 9th from 3 pm to 6 pm, for them to capture God's heart and agenda for their generation together with their contemporaries from all over the world.
3. Bring your youth delegation
Bring your youth delegation for inspiration and celebration for three nights from August 8 to 10 at the Mall of Asia Arena starting from 7 pm until 10 pm.
4. Become a host church
Churches in the Greater Manila Area may host international youth groups and provide them with a one-week mission immersion program in the local community. Churches and organizations that will register as 'Youth Mission Immersion (YMI) Host' will have to meet the required criteria and conditions.
5. Your own local JGYD conference
Churches outside Metro Manila, Philippines (and elsewhere in the world) may design and host their own Youth Conferences from August 8th to the 10th in their locality. Churches and organizations who desire to do so shall be provided with sample programs and activities as well as JGYD paraphernalia (i.e. event logos, brochures, promotional print designs, etc.).


text:
Diamond Offshore 1Q profit at $146M. CEO pleased
Diamond Offshore Drilling, Inc. today reported net income for the first quarter of 2014 of $146 million, or $1.05 per share, compared with net income of $176 million, or $1.27 per share, in the same period a year earlier.
Results for the quarter benefited from a $17 million, or $0.12 per share, credit to tax expense related to a settlement of certain disputes with Egyptian tax authorities. Revenues in the first quarter of 2014 were $709 million, compared with revenues of $730 million in the prior-year quarter.
"I am pleased to begin my tenure at Diamond Offshore with very solid first quarter results," said Marc Edwards, President and Chief Executive Officer. "Diamond Offshore has added new capacity and upgraded its fleet while maintaining the highest credit rating and strongest balance sheet amongst its peers. This places us in a strong position to navigate through any downturn, and take advantage of strategic opportunities that may materialize. We remain focused on delivering superior financial performance and providing sector-leading shareholder returns."
At March 31, 2014, Diamond Offshore had 137,170,137 shares of common stock outstanding. During the three months ended March 31, 2014, the Company purchased 1,865,311 shares of its common stock at an aggregate cost of $86.4 million. From April 1, 2014 to April 23, 2014 the Company repurchased an additional 30,250 shares of its common stock at an aggregate cost of $1.4 million.
The company has declared a special quarterly cash dividend of $0.75 per share of common stock and a regular quarterly cash dividend of $0.125 per share of common stock. Both dividends are payable on June 2, 2014 to shareholders of record on May 7, 2014.
The Board reiterated its stated policy of considering paying special cash dividends, in amounts to be determined, on a quarterly basis. Any determination to declare a special dividend, as well as the amount of any special dividend that may be declared, will be based on the Company's financial position, earnings, earnings outlook, capital spending plans and other relevant factors at that time.


text:
History, despite what the media would have you believe, is often quite complicated. Prohibition, however, is an exception to that. It has been glamorized and Hollywood-ized, but the effect of the law and its impact on our country is quite clear: it was nearly a complete disaster. But since we tend to look on the sunny side of life here at Lifted Spirits, let's point out one positive thing:
The development of cocktail culture
Kansas City was part of a group of cities that became hubs for the illegal speakeasy trade. As such, we participated early on in the development of cocktail culture, which is still continuing to this day.
Cocktails exploded in popularity in part because people were looking for ways to cover up the taste of bad booze. They continued to grow in popularity because, well, cocktails are delicious.
But that's pretty much it. It's not an insignificant side effect, but it pales in comparison to the destruction wreaked upon the US from 1920, when the Eighteenth Amendment was in force, to 1933 when the Twenty-First Amendment ended Prohibition.
The Down Sides of Prohibition
Destroyed the tradition of craft distilling
Since the United States was just a loose collection of colonies, distilling was a part of the community and the family, and a tradition we held dear. There were thousands of distilleries in the United States before Prohibition. Only a small handful survived. It wasn't until about 10 years ago that the laws finally started to change, making it feasible for small distilleries (like us!) to exist again.
This chart shows how ubiquitous distilling used to be in our culture, and how completely that part of our heritage has been lost. We're trying to bring it back!
Created bad liquor
Since nearly all reputable distilleries were shut down, people were subjected to dangerous "bathtub gin" which not only tasted bad but in some cases were very dangerous. A lot of the stories about moonshine or home-distilled spirits making you go blind date back to spirits made badly during Prohibition. Deaths from alcohol rose over 400% during Prohibition. Not because people were drinking more, but because they were drinking terrible alcohol.
Boosted and glamorized organized crime
The demand for alcohol did not decrease during Prohibition, but it put all legal breweries and wineries out of business. In effect, the government handed the Mafia a gift-wrapped monopoly on alcohol sales. The incredible amount of wealth this poured into organized crime turned gangsters into the royalty of the Roaring Twenties, even as homicide rates increased by 50%.
Whether it's a series like Boardwalk Empire that glamorizes this specific period we are talking about, or something like Goodfellas that came so many years later, organized crime became glamorized during this time period, and ever since. (But seriously, Boardwalk Empire was awesome…).
Corrupted law enforcement, courts, and politicians
People were trying to pay bills and support their families and when money was waved in front of them, a lot of money, often, they folded. Other times when some tried to do the right thing they were intimidated, beaten, or in many cases, killed.
"Prohibition was a period of time accompanied by 'the greatest crime record ever attained by a nation'"
– Rattling the Cup on Chicago Crime, 1929
The new illegal industry wanted to protect its revenues and made sure that they protected themselves all the way up and down the chain.
Created disrespect for the law and religion
The Eighteenth Amendment was widely (and rightly) seen as a crusade by self-righteous temperance types who were seeking to reform society through the government. They promised a richer, healthier, safer, more moral society. That didn't exactly pan out. As a result, people felt free to disrespect the law in this aspect (and perhaps in others) and, in part, blamed the religious groups which were a driving force behind the temperance movement.
Loss of tax revenue
There was a loss of billions of dollars of tax revenue, which, adjusted for inflation, would be in the trillions today. Nearly all of that revenue ended up going to organized crime. Now, we don't love writing those big checks to the government, but it beats supporting crime families that routinely shook down law-abiding businesses for "protection" money.
Created a stigma associated with drinking
To this day, America is weird about alcohol. We've created an age disjunction where you can drive a vehicle, get married, serve in the military, get a credit card, or legally execute contracts, but still can't consume alcohol. Such a gap occurs nowhere else in the world and goes to show that almost a century on, this period is still in the American consciousness and culture.
Which Brings Us to Today…
Unfortunately, we can't ask for a do-over on the whole Prohibition thing. What we can do (and aspire to do each day here at Lifted Spirits) is encourage a love for the craft of making alcohol, and helpful knowledge about the art and culture around it, all while being a responsible part of our community. We're glad to have you with us.
Want to learn more about the process of creating incredible spirits? Come visit us for a tour of our distillery, any day we are open, starting at 5 p.m. And we promise… not even our earliest experiments were ever made in a bathtub.


text:
Normal Mode
The College was instrumental in establishing the Mvumi School Trust, which exists to provide funding and support for the teachers and students of DCT Mvumi Secondary School. This school is located in the rural heartland of the central region of Tanzania. It was established in 1994 by the Anglican Church. The Trust is largely responsible for funding the reconstruction of the School. The Trust's sponsorship scheme funds the cost of nearly 80 student bursaries and provides funds for 50 scholarships. John Clark, former Senior Tutor, was headmaster of Mvumi from 2006 to 2009. He is a trustee of the Trust. A number of Eton masters have spent time on sabbatical at Mvumi and a number of OEs have taught there during their gap years. In 2016-7, Mvumi is one of the Eton Action registered charities.
Hands at Work
A number of Etonians have visited and supported the community of Amlew in Zambia over the past two years. The rural community of Amlew village is in the Copperbelt, the industrial heartland of Zambia, but many elderly parents in the community fail to qualify for the heavily oversubscribed employment in the local mines. Instead those lucky enough to find other employment resort to breaking stones into smaller pieces or making mud bricks for a meagre salary. With roughly 6 children per family in Amlew (one of the highest fertility rates in the world), many single-parent families, and prolific alcoholism across the community there are many children in extremely vulnerable situations who need support even to survive. It is here that Hands at Work – a Christian Charity – steps in through volunteers within the local community ('Care Workers'), identifying the most vulnerable children and then providing 3 basic services to them, which include one meal a day, education and basic health care. Since 2011 Hands at Work have been supporting 100 children in Amlew. The intention, as with their other community-based organisations (CBOs) is to 'graduate' the community in around 5 years' time. This is the point at which Hands at Work liaise with the Zambian Government and other Charities who are better equipped to deal with Communities who are better able to access public services.
The total amount needed to support 100 children for each year at the Community Centre in Amlew (bearing in mind the three essential services of food, healthcare, and education) is £18,000 per year. Hands at Work is an Eton Action nominated charity for 2017/2018, and a portion of the money raised from the Eton Action Fair will go directly to meeting some of this cost. Future trips are planned, with the next due to depart for Zambia in 2018.
World Leading Schools Association
The College is a founding member of the World Leading Schools Association, whose mission is to promote educational exchange and cooperation between leading secondary schools in China and the rest of the World. WLSA will seek to achieve its mission by bridging cultural differences and promoting further understanding between secondary schools, through striving to improve collaboration between leading schools and institutions of higher education around the world. T
International Boys School Coalition
The College is also a member of the International Boys' Schools Coalition which is a not-for-profit coalition of independent, parochial and state schools from around the world dedicated to the education and development of boys world-wide, the professional growth of those who work with them, and the advocacy and the advancement of institutions that serve them.


text:
Plant Type:
Light Requirement:
Soil Condition:
Bloom Color:
Mature Height:
Growth Rate:
|1 - 4
|5 - Unlimited
Knockout Double Red Rose Bushes
Double Knockout Red Rose Shrubs are flowering shrub roses that raise the bar when it comes to the amount of blooms on the plant. More than twice the amount of its single sister Knockout® Red Rose. The petals of this red flowering shrub present a fuller, richer pinkish-red inflorescence that is simply breathtaking. Without dead-heading these amazing flowering shrubs, the double red blooms maintain a continuous spectacular show of color from early June to hard frost with beautiful foliage almost year-round.
The new growth is a dramatic burgundy red. Double Red Knock Out® Rose PP#16,202 is a denser, more compact rose shrub and upright with a broad, spreading form. This member of the Knockout® roses puts a great deal into its value as a landscape rose, from its four season appeal to its natural resistance to black spot, as well as other diseases and insects.
The color at seasons end is exceptional with rich burgundy leaves in the fall and bright orange-red hips that add color during the bleakest of winter months.
Double Red Knockout® Rose is a spectacular fast growing flowering shrub addition to any garden. Along with the eye-catching blooms and superior performance it offers wonderful versatility of use-from specimen planting to several planted among your favorite perennials, or an ideal way is to plant them as an appealing hedge. Everything we love about the Knockout® rose you will love about the Double Red Knockout® Roses with even more winter hardiness, improved shade tolerance and reduced height and width. So be the first in your neighborhood to display this beautiful rose and order quickly. These are available in extremely limited quantities.
How to Plant Knockout Roses - Video
Knockout Roses Double Red flowering shrubs are grown in 3 gallon containers.
Plants shipping to CA and AZ addresses will be bare rooted before being prepped for shipping.


text:
TOTAL Bulgaria
Total Bulgaria was founded in 2008 and is one of the many affiliates of the French company around the world, which is among the best ones in the production of oil and gas. It comprises all activities related to oil – probing, extraction, processing and sale of ready products. In Bulgaria Total operates from 6 years and thanks to the hard work and dedication of the young and ambitious team, in that time has managed to become one of the leading companies on the market.
Since July 2012, Total in partnership with Repsol and OMV holds a permit for prospecting and exploration of oil and gas in Block 1-21 Han Asparuh in the deep offshore part of the Black Sea.
Total E&P Bulgaria, operator of the Block since April 2014 and responsible for drilling the exploration wells, opened its office in Sofia in 2014. Since then it is working to develop and keep a trustful relationship with all stakeholders, including the Government, NGOs, the business and academic communities.


text:
Multiplying money made easy
JOHANNESBURG - Multiply by Momentum has launched Multiply Money - a Multiply benefit which sees members earning real cash by doing the things they do every day.
The Momentum/Unisa Household Financial Wellness index reveals that 73.5percent of South African households were financially unwell in 2017, indicating that the majority of South Africans are clearly in financial crisis. With South African consumers so heavily indebted and in a pinch to find any "extra" money to save at the end of each month, establishing a culture of saving and smart spending has never been more crucial.
Momentum Client Engagement Solutions chief executive Zureida Ebrahim explained that Multiply by Momentum was a fully integrated lifestyle management platform that brings health and fitness, safety and finances into one platform and offers rewards on both partners and on Momentum products. The latest addition is cash backs that earn a competitive interest rate and can be spent anywhere in South Africa.
Multiply by Momentum's executive head of Transactional Banking, Megan Harrison, said: "Ultimately, what South Africans need is cash back into their pockets which they can use to save for an emergency or until they have a lump sum that can be used for long-term investments."
Harrison noted that Multiply was rewarding members with real cash when they do their household and grocery shopping at Pick * Pay and Dis-Chem as well as when they shop online on the Multiply shop for items such as vouchers and big brand electronic devices.
These cash backs grow in the Multiply Money savings wallet, at a linked interest rate from the first cent; for now it stands at 5.25percent.


text:
Someone deliberately drove into London's former cycling commissioner Andrew Gilligan
Alex Bowden
"He was not intending to do my health any good," said Andrew Gilligan about the road rage motorist who deliberately knocked him off his bike last Wednesday evening. City Police say that a Camden man was arrested and subsequently released under investigation.
The London Evening Standard (link is external) reports that London's former cycling commissioner was riding along Bishopsgate outside Liverpool Street Station when he went into the back of a black SUV which stopped in front of him suddenly.
Gilligan said he went to "politely" remonstrate with the driver, who started to get out of the vehicle.
"He looked rather threatening so I thought I should cycle off. He revved up and went straight into the back of me.
"I was knocked off my bike and lying on the ground, bleeding. I could see him racing away. Police were on the scene very quickly and arrested the guy."
Gilligan said his bike was a wreck, adding: "I have tyre marks on my shoes. It could have been so much worse. I am very, very shaken — I was very close to being paralysed."
He also has long cuts on his shins and bruised feet, "so I cannot walk any kind of speed or distance. I've been more or less at home for the past eight days."
I'm sorry to say that someone deliberately drove his car into me the other night (road-rage; not personal). My bike is a wreck; I escaped with cuts and bruising, possibly cracked ribs, but I'm immobile for a bit. City of London Police were great and have arrested the driver.
— Andrew Gilligan (@mragilligan)
A spokeswoman for City Police said: "We can confirm a 27-year old man from Camden was arrested on April 4 for offences including grievous bodily harm with intent and dangerous driving. He has been released under investigation while enquiries continue."


text:
Hacks For Surviving Summer With Chronic Illness
For members of the chronic illness community, summer can bring on a new level of difficulties. The summer heat can flare up a host of symptoms for many warriors, whether you have an autoimmune disease in nature, lupus, fibromyalgia, ehlers-danlos, lyme disease,...read more
Healing Beauty and the Toxic Beast
I want to cause a huge flare up of symptoms and maybe even add cancer to my list of illnesses. Ok nobody has said that ever! But, do you realize that some of the everyday products you are using may potentially be doing that? We can absorb up to 60% of what we...read more
Faith Through A Chronic Illness Journey
Warning this article may be controversial. Recently I was not feeling well at all following one of my infusion treatments. After I was done with my infusion I realized I needed a rest stop before going home. I stopped into our local Kwik Trip and encountered...read more
A Disabled Person's Review Of Holiday Inn
Recently I had to travel to Pewaukee, which is a suburb of Milwaukee, Wisconsin. My son was to perform in a football combine there and so we decided to get a hotel room close to where the combine was being held.The sponsors putting on this combine had recommended...read more
Steps Toward Healing Mentally
If you are joining my blog for the first time, then I urge you to go back and visit my first post, "Achieving Mental Health While Chronically Ill." In that post, I shared a video by LCSW Amanda Pratt from Imagine Life Therapy. She shared with us lots of helpful tips...read more
Achieving Mental Health While Chronically Ill (part 2)
Today we are going to be talking about trauma. If you missed my last post, I am going to encourage you to head back there first. In my last post, I shared a video from LCSW Amanda Pratt with http://imaginelifetherapy.com . I have been recapping the mental struggles...read more
Achieving Mental Health While Chronically Ill
Today I am going to share with you a very valuable video I had the pleasure of viewing recently. The only downside is that I wish I would have got to see this early on in my disease process. The video I am sharing is by Amanda Pratt LCSW. Amanda is a chronic...read more


text:
Murphy Bed Gray's Farm Brooklyn NYC
Murphy Bed Express is the solution when you're interested in installing a Murphy bed in New York City. Do you have a small New York studio or bedroom and have been wondering the best way to make more room? You are in luck. Your new Murphy bed doesn't have to be the kind of uncomfortable, stereotypical bed you often think of when you think of wall beds. Comfortable specialized alternatives are available from Murphy Bed Express when you are looking to optimize your incredibly valuable New York floor space with something which doesn't take up all of your room. Visit Murphy Bed Express if you're in need of a top quality Murphy bed in NYC. Find out why so many residents of Manhattan NY, Brooklyn NY and other areas of New York City are relying on our products.
Murphy Bed NYC
The fact that many people assume that Murphy beds in NYC will be hard to use or uncomfortable is why lots of people have hesitations about putting them in. But with Murphy beds from Murphy Bed Express, this couldn't be further from the truth. You're capable of selecting from different kinds of comfortable and easy-to use Murphy beds, in a variety of different sizes to satisfy your particular needs. Renters and homeowners are being forced to locate new space-saving alternatives as mini houses and micro apartments are becoming more and more popular. Whereas they once were regarded as the territory of college students and those living in efficiency housing, Murphy beds are something everybody else can take advantage of. Standing at the forefront of the future of fold up and pull out beds is Murphy Bed Express.
Wall Bed New York City
As a top wall bed company in NYC you're going to locate Murphy beds available in nearly any size you could want. When it comes to Murphy beds, you may discover that there are more alternatives and more attractive styles than you had thought were available when you visit our site or get in touch with us. Many individuals are worried about safety which makes them reluctant to purchase a Murphy bed installation. This might appear unstable or dangerous to some people. To ensure the safety of each and every one of our models, Murphy Bed Express has taken measures to make certain that each product we send out for installation has been extensively tested and checked. If you use one of our high-quality wall beds in New York City, you won't need to be worried about the bed dislodging or lifting in the middle of the night, or falling to the floor in the middle of the day. We employ safety latches and other safety measures. This way your new wall mattress is able to stay exactly where it is supposed to be.
Murphy Bed Company New York City
When you're shopping for a wall bed, ensure you just purchase through the most reputable Murphy bed store in NYC. You need to make sure the company you purchase from has taken the appropriate safety precautions, and has constructed their products to last. You want your product to last for years to come. If you own a rental property, Murphy beds can substantially increase the rental potential of your property or properties. But what you don't want is for renters to find yourself with issues with their Murphy beds that you then need to repair. If you'd like to avoid this problem altogether, make Murphy Bed Express your first pick if you are trying to find a supplier of top quality Murphy beds in New York City.


text:
Archive for the 'Second Life Money' Category
Latest Second Life Financial News
From: Second Life Blog Economic Key Metrics for October and November 2007 Quote from the site - Key takeaways: In November, we had another slight reduction in overall Logged In User Hours (our first drop was back in August) that is related to the Unplanned service outages. Overall economic metrics continue to trend slowly upward, including the Lindex exchange figures and resident-to-resident transactions.
From: Second Life Blog Financial Statements For Everyone! Quote from the site - Many Residents use Second Life in a professional capacity. As such, being able to both keep and present detailed records of financial transactions is vitally important. To help you with this, we've added a new page to the "Your Account" section of the website: Account Statements.
From: Second Life Herald Op/Ed: Financial Myth Busting Edition Quote from the site - When Ted Castronova wanted to study a virtual economy, he decided against using Second Life. A number of people thought that was foolish because SL already has an economy. But SL is not like other MMO economies for two reasons; the LindeX makes asset prediction impossible and residents do not make predictable economic choices.
From: The Dewey Blog Second Life Quote from the site - A recent blog entry on foreign exchange rates elicited the comment/question, "Where would you class the Linden dollar?" The answer is that the Linden dollar is classed in 332.4 Money, given its including note for "other mediums of exchange."
From: Wayne Porter Ebay powers Second Life and Live Gamer and Twitter Blackjack Quote from the site - Mashable reports on a new service that finally gives gamers what they want- a free economy of sorts. Backed with $24 million in VC from Charles River Ventures, Kodiak Venture Partners, and Pequot Ventures, LiveGamer went live targeting MMOGs with a platform to trade virtual goods. Andrew Schneider and Mitch Davis, (ad startup Massive sold to Microsoft) Live Gamer brings a sense of respecatbility to trading virtual goods. Suddenly that +3 Vorpal Blade of Troll Slaying takes on new and potent economic meaning.
From: SL Capital Exchange SL Capital Exchange to replace SkyRanger Hammerer Quote from the site - It is with some regret that I report to you that SkyRanger Hammerer has been relieved of his duties as SL CapEx Compliance Officer and is no longer an employee of the SL Capital Exchange or its parent JT Financial.
To be very frank, the MAJORITY of companies now listed are out-of-compliance in some manner or other - either via Errors and Ommissions in the requisite monthly Financial Reports (at MINIMUM an Income Statement AND Balance Sheet) in a GAAP-compliant format submitted no later than 10 days following the last day of each month, or in the mandatory WEEKLY UPDATES CEO's are expected to file.
From: SL Reports Press Release: Goldflake comments on WSE notecards Quote from the site - The World Stock Exchange (WSE) has been distributing a notecard to the users registered at their website. While we commend the intention to inform and educate the users, we strongly disagree with section 3 (Banks and Exchanges) in the aforementioned notecard.
First off, the WSE claim to hold a 95% market quota is a joke at the best and we refer you to this post written by an independent and unbiased observer .
From: Orient Lodge Analysis of Second Life Exchanges Quote from the site - People have questioned how this 95% market share is calculated, and I must admit, I have no idea. So, I thought I would do a little digging into data available from the different exchanges. The International Stock Exchange (ISE) appears to provide the most detailed data, which can be aggregated.
Popularity: 5%No comments
Second Life Financial News
From: Your 2nd Place Taxes……does that mean refunds? Quote from the site - You know I was sitting in the Emergency Room with my mom at hmmmm 3a.m. this morning….reading an August edition of Time magazine. Flipping through the pages I see, oh what do you know?….an article about Second Life….Second life and taxes…..I do not recall (famous last words) the dollar amount they say people made in Second Life……and if the government should tax those monies….well I for one hope they do!
From: Second Life Herald Midas Bank Insolvent - Trouble On The WSE Quote from the site - While there have been some concern about Midas Bank's financials, no public signs of trouble occurred until November 2nd. Midas Commons released a notecard stating that an interest payment that was due on Hope Capital Bonds (HCB) was not paid. Midas reported having L$3.5 million invested in HCB. The Second Life Exchange Commission reports that L$650,000 was owed to Midas Bank as the interest payment on their HCB holdings.
From: Orient Lodge Commodity Trading, Coming to Second Life Quote from the site - Quanta was planning to set up a bank in Second Life where the deposits where backed by gold bullion at The Bullion Vault in Zurich. I've been interested in watching commodity trading coming into Second Life. I had a great discussion about this with Quanta when he first bought the land and I've been waiting for the next developments.
From: SLOz World Stock Exchange facing legal problems? Quote from the site - The Second Life Herald are running a story on the Midas Bank saga, alleging that Midas have done some legal investigations around their issues with the World Stock Exchange, run by Australian Luke Connell (LukeConnell Vandeverre).
From: Looker Lumet New Second Life "SLURRENCY EXCHANGE" to offer best rates, preferred programs. Quote from the site - Virtual world developer Simuality.com announced their new ventureinto the world of Second Life currency exchanges, with the openingof the SLURRENCY EXCHANGE,whose main office is located on theSimuality island
Popularity: 6%No comments
Foundation For Rich Content New Round of Grants
FFRC Offers Grants Totaling L$75,000
The Foundation For Rich Content will offer up to L$75,000 (75 thousand Linden dollars) for the fall granting cycle. Applicants may request UP TO $25,000 per project to create rich content in second life. Applicants may also choose to request smaller funding amounts for smaller projects. Funding may be used to upload textures, acquire goods or services necessary to the project, to pay staff, or fund other requirements of the project. The deadline for applications is November 25.
Applicants are asked to fill out a very short form to describe the project.
More information and to fill out an application, click here.
Popularity: 3%No comments
More Camping and Making Money in Second Life
Interesting post from New World Notes on a new style of camping site in Second Life, Puerto Banus is paying models to walk up and down the catwalk wearing their traders' designs and other designs in SL, referring to is as 'earn as you go' job, if you can call camping a job, rather than sitting in a chair somewhere just to boost traffic. This sim is constantly in the top 20 in foot traffic, so it's certainly boosting it's traffic, but it has the added functionality of being able to see the clothes in action on the models.
When Tateru and I began our search for genuinely popular communities in Second Life, free from camping chairs, we briefly scratched our heads over Puerto Banus, a place that's consistently crowded and in the Lindens' Top Twenty sites by foot traffic. On my first visit, I saw dozens of fashion models striding along a row of catwalks in a kind of fantasia Miami Beach locale. Must be big hangout with fashionistas, I thought, and teleported off.
Tateru wasn't as amazed: "It's just camping chairs." Source: Model Camper: Free money site adds ironic new twist to camping chairs
He even noted that it seemed that every avatar there was afk, away from keyboard, so, he says, Second Life itself was virtualized. A comment from Vint Falken noted another camping spot, one that let you roam around and actually do stuff while you were camping. It's an Italian energy drink sim, and all you have to do is attach a can of energy drink and while you are in that sim, you are earning some free lindens. Neither mention how much you earn or give slurl's to the camping spots, I will find them later when I am inworld and add them to this post.
The slideshare embed below is called How to make money in Second Life, and it is kind of funny, it still has references to casinos and shows a Ginko Financial terminal in the next to the last shot. Don't do it buddy!
Popularity: 5%1 comment
Saving Lindens and Inworld Fashion
Just some news and posts about sales and fashion in Second Life.
Laynie's Weekly Wrap - Oct 31, 2007 Then I popped over to Diversity for their sale. That Cobain style everyone's been wondering where it is? It's back, and retextured so it's even better than before.
Unique Skin… Made Affordable by Tête à Pied It looks like skins are the new black on the grid. Everyone and their mother seem to be determined to make skins. I'm not judging the quality of the efforts here, but it is hard to keep up with the industry these days.
Calico Creations Items reviewed: Elizabeth, Diana, Sarah II and Calico hairstyles.
As mentioned before in my silent sparrow review, I met Ms. Ingmann through the Simone! Supermodels contest. I won't rehash, you can go read the silent sparrow review. I'll also note that I was supposed to be showing Calico hair at that show I couldn't model in, sooo… here's the review instead! Hope that makes up for it somewhat. I've been meaning to do a review on her hair anyway, since I wear it a lot and use it in my jewelry ads.
Review of Fetch Alternative! I've got more pics than usual for you, so pay attention. There is some cute clothes from Fetch Alternative that I want to show. The designers are Vanessa Cardway and Matteus Boa. I was lucky enough to score a pair of jeans that aren't even out yet, and I practically live in jeans, so I am a happy girl!
Twinsanity! Lots of bargains listed at the bottom.
Popularity: 5%No comments
Ginko Financials CEO Hits the Door
There has been so much transferring and bullshit going on with Ginko Financials, I don't even know where to begin anymore to try to explain what happened. The most recent activity has seen the CEO say he can't make the interest payments anymore, and he has transferred everything to the aptly named WTF, or WSE Traders Fund, and is washing his hands of it.
I also thought I could do partial liquidations and use the money to lower our debt proportionally. However, first with the ban on buying bonds for less than the face value and later with the gradual erosion of our investments, both of these things ceased to be possible and my position became even weaker than it was when I created the bonds. The
fact is, there is no way for me to meet this quarter's interest payment. Neither of our main in-world investments got off the ground (BNT and HCL), though they may still do so sometime in the future. The stocks are too weak to be sold to help meet this quarter's interest payment. The L$2,400,000 we have inside Allenvest, despite Allen's lie about me having withdrawn everything, are locked and probably lost forever.
The situation is such that I am left with no choice here. The bonds need
to be converted to a fund, which will hold these assets. Namely, the WSE Traders Fund (WTF) already listed on the WSE. Interest payments are no longer part of the equation and as I am transferring the assets to Luke, I will no longer be involved with anything regarding Ginko Financial as it will no longer exist. Assets previously held by Ginko Financial are being
transferred to the WTF. Source: Ginko Perpetual Bonds Important Announcement
The SLNN in an aptly titled article, Ginko CEO Escapes, I say aptly named because it is in a folder called bank robber, check the url when you get there.
Today, Ginko Bank CEO Nicholas Portocarrero posted a statement on the World Stock Exchange Web site saying he will not be paying any interest on bonds, allowing himself a back door to escape with $750,000 USD.
But Saturday, Portocarrero said he could not pay interest on the bonds and pinned partial blame on actions taken by banker Investor Allen, and the weak face value of his bonds. Source: Ginko CEO Escapes!
There is still a little bit of hope however, as Shaun Altman, majority bondholder of Ginko Perpetual Bonds (GPB) is taking it upon himself to see to the equitable liquidation of GPB's current asset's and to the timely compensation of all bondholders.
I will be charging nothing for my liquidation trust service. I believe that GPB bondholders have been through enough at this point, and have a right to recover as much as they can from this fiasco. Being the person with the most GPB bonds, as well as a neutral third party to asset holders, makes me the right person to handle this liquidation. The ball is already rolling, so I ask that all bondholders recognize this, and recognize that I am working in all of our best interest. I hope that it makes you happy to know that someone is finally working in YOUR best interest for the first time in a long time. I hope that I will be able to recover a sizable portion of GPB's assets for distribution to all of us, but I can't make any promises. Source: Ginko Perpetual Bond Liquidation Plan
Check that post for the exact way he plans to carry out the liquidation and distribution of the GPB assets. Let his be a lesson for everyone, if the bank is not backed by money to start with, then you are gambling with your lindens and we know how the Lindens feel about gambling.
Popularity: 5%No comments
Was/Is Ginko Financials a Scam?
Ginko Financials is apparently experiencing a run on their bank, meaning everyone wants their lindens out of there, and who can blame them with all of the shady stuff that appears to be going on in the unregulated world of Second Life finance. What can be going on there that they still offer a .10 daily interest rate, which works out to about 44% interest for the year, a pretty good return no matter what the currency is, as a matter of fact it's still too good to be true. Ginko's interest rates have always been high, and most banks in SL appear to be offering rates that are too good to be true. So, combine the theft at the WSE, the problems with Ginko and the fact that lindens are not backed by anything and are pumped into Second Life at the discretion of the Lindens, and we have a recipe for disaster, and this recipe is about done. Check out the notice posted in the Ginko Financials website, I have pasted the relevant parts below.
About a week and a half ago, we saw an increased number of withdrawals; the time to speculate as to why this happened has since come and gone, so I will leave it at that. No matter what started it, the result is the same: We have expended every possible short-term resource, and are still unable to meet the current demand for funds. We have attempted several different things to remedy the situation (which is in short why the interest rates and limits have fluctuated wildly), but none of them turned into a viable permanent solution.
For the time being, we have decided to continue doing business normally, but leaving the withdrawal queue in place with an expanded L$1,000,000/day limit, to give an indication as to where the end of this situation may be. However, a realistic estimate could possibly extend in to the realm of several months.
For those of you who wish to withdraw your funds, you may wait in the queue, or cash out to Ginko Perpetual Bonds, which is currently the only option if you don't wish to wait the seemingly indefinite period of time it could take to refill the reserves. Source: Ginko Financials
So, they are taking deposits still and they are then paying those deposits out to existing customers who are trying to get their money back. How is this possible and how can they "look" their new customers in the avatar and feel good about letting them think they are actually going to be able to get their money out. I read somewhere that they just kept a little bit of the lindens on hand and invested the rest, what happened to all of the money they took from depositors in good faith? Why have they not liquidated all of their holdings to pay back their customers? A post at your2ndplace, a great blog that has been on top of this the whole way, asks this question.
A Coincidence?
But there is something in common with HCL, GPB and GCS. Nicholas Portocarrero is the major shareholder in HCL - which, by proxy, puts him heavily invested in WSE. And guess who is listed on GCS and GPB as a Non-Executive Director? Lukeconnell Vandeverre, the CEO of HCL.
Is it a coincidence that these two names have been coming up a lot in the timeline since the WSE was 'hacked'? Doesn't it seem odd that when Nicholas Portocarrero is having trouble raising enough money to handle withdrawals that he would be investing in Hope Capital?
What's going on here? I'm not saying anything - but there are the facts right there. How do we explain these facts? Source: Peering Into The Depths of Ginko Financial
Many have said that what Ginko is doing is illegal and most certainly fraud, and it certainly appears that way to me, taking one persons money in good faith and passing it right out the ATM into someone's hands who are trying to get out of this mess. Benjamin Duranske of Virtually Blind.com has a huge post about the Ginko Financials troubles here, Commentary: Ginko Wrapup - No AVIX, IPO, or Funds and he says this won't be over until someone is in jail.
If what you were saying was true, then they would close down deposits. What this indicates, to me is two things. 1) at some core level, they actually believe this might magically still work, and 2) they are hoping that as long as they leave it running, they won't be prosecuted or sued.
But leaving deposits open when they go DIRECTLY from the depositor to the pocket of a previous depositor is so transparently criminal that I can't even give them much credit for #1 any more, and I've been someone who has consistently said they bought their own nonsense, even as one of the loudest critics of their facially illegal methods.
Think about this — they knew how much money they had five days ago when they were offering 148% interest on 30 day term deposits. You think they'll be paying those in, now, 25 days? Every penny that they take right now saying it's a deposit that will earn interest is undeniably fraudulently received. Source: It doesn't count for anything…
I wonder how the Lindens think their no banking policy because we don't want to make everything complicated is working out now?
Added: Ginko Financials shutting down And Ginko Financial Closes It's Doors (Updated:10:06 pm SLT - Now Official).
Popularity: 3%5 comments
Is Second Life Headed for an Economic Recession?
Sure sounds like it after reading this post by Matthew Beller, The Coming Second Life Business Cycle, as he mentions the Lindens are controlling the amount of Lindens that are being released, and they control the value of those Lindens when compared to the US dollar.
In the Terms of Service, the L$ is defined as "a limited license right available for purchase or free distribution at Linden Lab's discretion, and is not redeemable for monetary value from Linden Lab." By defining the L$ in such a way, Linden has granted itself the power of a central bank in managing Second Life's equivalent of a fiat currency. Linden can create as many new L$ as it wants, whenever it wants, and spend them or give them away at its own discretion. Also, because Linden maintains a peg of about L$270=US$1 on the LindeX, it gives the appearance that the L$ is as good as real-world money.
Fiat currencies are subject to much criticism, particularly by Austrians. However, they are not criticized because they cause undesirable economic distortions in and of themselves. Rather, they are criticized because, unlike commodity monies such as gold, they can be created from nothing, so are highly susceptible to artificial expansion and manipulation. This expansion, as the Austrian theory of the business cycle shows us, is the source of economic distortions that lead to unsustainable booms, followed by inevitable busts. Source: The Coming Second Life Business Cycle
After going into his strong evidence that the Lindens have unnaturally inflate the Linden supply, he lists a couple things that could happen because of it.
In the first, Linden will stop running significant deficits at some point. With less L$ available to spend, residents will demand fewer goods and services, leading to lower prices and reduced profits. Previously profitable enterprises will go out of business and the wealth of many residents will decrease, slowing overall economic activity.
The other possibility is that Linden will continue running deficits to the point that a sufficient number of residents and speculators will recognize the L$'s frailty. In what Ludwig von Mises referred to as a "crack-up boom," everyone will scramble to redeem his L$ for "real goods," which, in the case of Second Life, is probably the US$.
To summarize, it appears very likely that Second Life will experience at least some form of economic recession. Depending on its severity, it might result in Linden's losing many of its customers. If Linden wants to prevent this from happening and foster a stable, growing economy within Second Life, it should apply the lessons of Austrian economics to its policies: abolish restrictions on content, strengthen the ability of residents to enforce their property rights, and, most important, tie the L$ to a real-world commodity money backed by 100% reserves.
Looks like we could be, guess I'll look into selling some of that land I just bought. This article is definitely worth the long read.
Popularity: 2%1 comment
Second Life Coins Available, Sort of
Cold hard lindens are now available, sort of. An IBM employee, avatar name of Davidovic Dean, has minted his own coins that are worth 1 linden apiece on Tender Island. He minted the coins to commemorate his island coming online, there are 25 silver coins, that will be for non-commercial purposes, and 50 made out of nickel, some of which have already been sold and are being sold on eBay, here.
The latest: an IBM employee with his own private island in Second Life has had some coins minted that are each worth one Linden dollar. That's right, you can now hold the Linden dollar in your hand and actually spend it — if, that is, you're on »Tender Island«, which has been owned by IBMer David van Gent since March.
The coins come complete with an "SL" mintmark, and are "accepted as legal currency on Tender Island." Before you get your knickers in a twist over who's allowed to mint coins denominated in a particular currency, keep in mind that in the U.S., at least, creating your own tender is perfectly acceptable — you can print all the money you want (as long as you're not counterfeiting dollars), it's just a matter of whether you can get anyone to accept it. Linden Lab, of course, is not a government. But their rhetoric ("I'm not building a game, I'm building a country") indicates there shouldn't be anything objectionable in Tender Island coins.
A few of the coins were made available on eBay, where they went for $26.61, although I can't tell how many were included in that auction. In any case, only 75 coins were struck, which means that the eBay buyer is paying collector's prices, not foreign exchange prices. Van Gent (SL's Davidovic Dean) is now considering other series of coins. I doubt this is much more than an interesting experiment and something to do with some spare time and cash, but it's still very cool. Source: Cold Hard Cash: Second Life Coins Available
I can imagine a lot of people would like to be able to hold their lindens, but with only 50 being available, that will be hard to do. Myself, I would like to see Davidovic send me one, but wouldn't we all. Here is how he described the marking on the coins.
X,Y-1058, 1160 represents the location of Tender Island on the Second Life grid. This is a so called Second Life Island 3 type. It measures 65,536 square meters (about 16 acres). Building on the island, includes above the island. There has recently been 'built a castle in the air' with a sky box on top of one of the 4 towers, and a 'romantic garden in the clouds', aka as the 'Elysian Field' of Tender Island. Round the lake in the middle of the island you find all kinds of constructions and entertainment.
Under the embossed '1′ you will find a 'SL' mintmark.
This coin is accepted as legal currency on Tender Island.
The reverse of the coin features our family coat of arms, depicting a Northern Gannet (Morus Bassanus). In Dutch we call this a 'jan-van-gent' bird. Source: Second Life Tender Island minting
Popularity: 2%No comments


text:
September 13, 2018
Deciding on that perfect faucet finish for your kitchen or bath can be a difficult task! You know the look you've envisioned for the space and want to make sure the finish you choose really adds that extra styling touch. But there are a lot of finish options out there, and several that are really similar. Since we know as well as you do that sometimes the little differences and make all the difference, today we're talking all about finishes and breaking down the faucet finishes pros and cons for you.
If you're looking for something to compliment the simplistic style of Swedish "lagom", meaning not too little and not too much, or if your décor style is more about statement pieces and finding just the right compliment while maintaining the effortless feel, you'll leave here feeling confident with your choice of faucet finish to be the perfect addition to your kitchen sink or bathroom. Traditional, modern, Tuscan, vintage, Mediterranean, contemporary and more, there is a faucet finish that is just right for you.
Polished nickel: For a smooth, shiny finish that is also highly durable, polished nickel may be the right choice for you.
Pros – It looks great on a wide array of design aesthetics. It's super easy to clean and wears well over time. It can appear to be different colors under different lighting, which is helpful if you like to change up accessories or accent colors frequently because it will easily adapt.
Cons – Polished nickel can be on the pricier side depending on the style of faucet. And it can be hard to match with other accessories unless you purchase them all from the same vendor. Some polished nickel can vary in shade from dark to very light.
Style – This faucet finish works with a variety of styles including traditional, modern, contemporary and eclectic.
Brushed Nickel: Sounds similar to polished nickel, but this metallic finish has a warmer tone and continues to be a favorite.
Pros – Its arguably the most durable of faucet finishes and keeps its smooth, metallic finish longer than chrome or an oil-rubbed metal. Easy to clean and easy to match with different accessories and other fixtures make it one of the most popular options. It's also relatively inexpensive compared to other faucet finishes on the market.
Cons – Brushed nickel faucets tend to blend in and don't often stand out as a 'statement' piece. It also doesn't coordinate with stainless steel well.
Style – This finish works with almost any style, which makes it a great choice if you're updating a bathtub faucet set in a rental property, flipping a fixer upper, or remodeling your kitchen with more classic, timeless fixtures.
Chrome: Chrome is the most popular of all the finishes. Its shiny surface makes it stand out.
Pros – Because of its popularity, it is generally the least expensive of faucet finishes. It is durable and easy to clean, although you may be cleaning it frequently. It also matches with other fixtures easily and complements other accessories well.
Cons – If you don't like fingerprints or smudges on your faucet fixtures, you'll spend a lot of time wiping down chrome. It shows fingerprints and water spots easily, so it can require a little more maintenance than some other finishes.
Style – Chrome is a great faucet finish for just about any style but can draw attention and make a statement. If you're looking a stand out fixture, chrome may be the finish for you.
Matte Black: Matte black finishes are a classic statement and have become increasingly popular over the last few years.
Pros – Matte black is a versatile finish that matches well with other metals, vanities and accessories. It's you're making small changes and aren't looking to change the entire room, adding a matte black faucet can be a simple update. It's easy to clean and is great to not show water spots or fingerprints easily.
Cons – It can be difficult to match other fixtures to it, but you don't necessarily need to. Mixing black with other finishes can give the space a very modern look. But it can be harder to find and more expensive because it's less accessible than more popular finishes like brushed nickel and chrome.
Style – Generally suited to more modern or industrial styles, it also works with eclectic and contemporary design.
White: The clean, fresh look of a white faucet finish can blend in perfectly with an all-white color scheme or really make a statement against a bold, colorful backdrop.
Pros – Another option for an easy to clean surface that doesn't show water spots and fingerprints, white fixture finishes look fresh, bright and timeless.
Cons – Because porcelain fixtures are more fragile than metal ones, they can be prone to getting chipped or breaking with significant impact.
Style – Most often used with farmhouse or modern style.
Satin Bronze: This smooth finish looking metal is a cross between copper and oil-rubbed bronze. Its color is subtle making it a flexible finish depending on your personal style.
Pros – Super durable and easy to maintain, satin bronze is also easy to clean. It's a less expensive alternative to copper and oil-rubbed bronze while still giving the space a unique look.
Cons – Satin bronze is generally more expensive and can be difficult to match accessories and other fixtures to.
Style – Most commonly seen used in traditional or Mediterranean style spaces.
Copper: A rich, bold finish that can be an excellent accent to marble counter tops. Copper is unmistakable.
Pros – It makes a bold statement and is relatively easy to find. The metal itself has antibacterial properties and if it gets scratched, over time the imperfection will 'heal' itself and blend in with the surface.
Cons – It may require a little more maintenance then the more common chrome or brushed nickel finishes and can be a more difficult to match with other non-copper fixtures and accessories. But as copper ages naturally, it develops a beautiful patina – a thin layer that forms over time as the copper comes in contact with moisture oxygen and sulfur-based compounds. The patina acts as a barrier to protect the copper against corrosion and can be beautiful and unique in its appearance, which is why it's popular with faucets for kitchen sinks.
Style – Best suited for farmhouse or Tuscan style, but can be a great compliment to a more traditional design aesthetic.
Oil-Rubbed Bronze: If you're looking for something other than chrome or brushed nickel that is still a great compliment to traditional style and design, oil-rubbed bronze may be just the right finish. And if you're trying to limit your out of pocket expense, you can save money by taking existing fixtures and using a brass darkening solution to make the other hardware in the space match.
Pros – It's durable, easy to find and easy to clean. It is also easy to match with other oil-rubbed bronze accessories and is a great surface for hiding water spots and fingerprints.
Cons – Oil-rubbed bronze can be more expensive than other finishes like chrome and brushed nickel, but there are ways to still enjoy the style and work within a budget.
Style – This faucet finish works best with traditional, Mediterranean and Tuscan design styles.
Satin Brass: Stain brass is a gold-brushed finish and looks bold and classy without being overly flashy. It's becoming more popular in bathroom faucet finishes.
Pros – Its matte finish will do well to hide fingerprints and water spots. It's also really durable and adds a nice, subtle color to a dark countertop or fresh pop to a light one.
Cons – It can be difficult to match with other fixtures and accessories unless you're going for a completely cohesive look in which you can purchase all of them from the same vendor to ensure the most accurate color match.
Style – The best settings for satin brass are found in modern, contemporary and traditional design spaces.
Polished Brass: If you're looking for a vintage style finish, polished brass is your thing.
Pros – It's durable and much easier to match to accessories and other fixtures than some other finishes. It's also pretty easy to find and maintain.
Cons – It is more expensive than some other finishes, but because of its unique and versatile style, it just may be worth the extra investment.
Style – Polished brass has been making a more regular appearance in bathroom remodels and kitchen updates as of late – it's definitely one of the more popular faucet finishes for 2018! It looks great in a variety of design styles including traditional and modern.
Concerned about mixing finishes in the same space? If you're a neat freak and want the easiest surface to maintain, what finish is for you? The pros and cons of each finish will give you an idea what compromises you are willing to make in the name of style and function.
Often a design element that was previously overlooked, choosing the right faucet finish can be a great way to draw attention to new features of a remodel or as an expression of your personal style through functional elements. In any situation, here are some important factors to keep in mind:
STYLE: Think about your style and what makes you happy when you walk into a room? Is your style more modern or more traditional? Understanding your personal design style will go a long way when trying to narrow down your choices.
UNIFORMITY: If you're still confused, choose bath and kitchen faucet finishes that best matches the rest of the hardware in your home: lighting, towel rods, door hardware, cabinets. Some finishes have warmer golden undertones like brass, and copper. But more silver undertones tend to be more neutral like in chrome, stainless steel and brushed or polished nickel.
But don't be afraid to mix finishes. It can create an interesting and stylish look that is distinct. Multiple finishes can add contract and dimension – just be careful not to get carried away. Think harmony and cohesion. Find like metals that work together to create different textures without being distracting. For example, door pulls and accessories in shiny chrome can be a more affordable compliment to a stainless steel faucet because chrome, nickel and stainless are all neutrals.
One way to find a focal point is to choose finishes that are all brushed or all polished, unless you're incorporating some neutral surface finishes. Or, mixing metals with black or white fixtures can add a metallic pop that is both stylish and classic.
PRACTICALITY: For homeowners with kids, the most important factor in choosing the right faucet finish just may be one that is easy to maintain, clean and won't show smudges and fingerprints easily. In this case, choosing a practical faucet finish may be a higher priority than one that is stylish or unique. Stainless steel and chrome are easy to clean, but are also well known for showing every little smudge and fingerprint left behind.
DURABILITY: While durability may be a consideration when determining the right faucet finish for you, it may not be the most important. Due to recent advancements in technology and materials, faucets are designed for wear and tear making them longer lasting. Opt for durable faucet parts (like brass) and your faucet should be sturdy for years.
MAINTENANCE: Matte finishes are best to avoid the appearance of fingerprints and water spots, but if you don't mind the general upkeep – the bling of more polished finishes can really make a statement.
PRICE: While chrome is the most inexpensive of the faucet finishes, brass and bronze are on the more expensive side. The customized look of oil-rubbed brass or bronze provide such a unique style that many people are willing to pay. Consider your budget, how much you are planning to spend on bathroom or kitchen sinks faucets and narrow down the finish options that work best for your personal design aesthetic or the use of the space. Considering these factors, you can almost always find affordable options that will complement any style.
All of these factors in consideration will help you to determine the right faucet finish for your lifestyle, budget and design aesthetic. Which one is your favorite?
Please follow and like this blog:
Recent Posts
- What is Chromatherapy? October 16, 2018
- How to Clean a Shower Head September 25, 2018
- 10 Faucet Finish Options: Which Faucet Finish is Right for Your Home? September 13, 2018
- Turning your bathroom into a luxury retreat: ANZZI Echo Series October 31, 2017
- Master kitchen of your dreams with the ANZZI Moore Series K-AZ3218-2B October 24, 2017