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About Castleton
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Castleton is surrounded by rock faces, with a huge cliff above Peak Cavern, large crags in Winnats Pass and a big rock face on Mam Tor.
Unfortunately all this rock is of very poor quality and often very loose (especially Mam Tor, which is known as the 'Shivering Mountain'), so there is little or no rock climbing in Castleton itself.
However, there is an enormous range of excellent climbing close by, including most of the major gritstone edges of the Peak District and many of the limestone crags of the White Peak.
The most famous of the gritstone edges is Stanage, which has over 400 routes of all grades. Most weekends this is thronged with climbers of all abilities.
Froggatt, Millstone and other several gritstone edges are within easy reach, and there is more climbing of this type on the high edges of Kinder Scout.
The limestone crags of Ravenstor, Chee Tor, Ravensdale and Water-cum-Jolly are all within a short drive and offer a range of mainly harder routes.
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I went to start up my HP Latex 365 yesterday (it had been idle for about 7 days) and received a message that the LM Ink cartridge was missing. I removed it and re-installed, same error. I then removed and installed a new LM cartridge and the printer does not recognize it either. Typically when you remove and install a cartridge the printer provides a confirmation "ding". I confirmed this tone by removing/re-installing the other cartridges, they all seem OK. However the LM does not "ding" when removing and installing.
Firmware is up-to-date, ink cartridge is in warranty. Any help would be greatly appreciated.
Thank you.
Hello bakercreativeco! You should check there is no ink, dirt or damage on the contacts. If everything is clean you should contact your HP support service.
Thank you,
How should I clean the contacts if I do see something? I believe everything is clean but I will make sure.
Thanks again.
If the contacts look clean or they are covered in ink then you should your HP contact support.
If you have already replaced the cartridge, I cannot recommend you to clean the printer contacts as this can cause further issues.
I hope this information helps.
To make recommendations or participate please Sign In and post a message.

subset: commoncrawl


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Markus Kramer Invited to Speak in London on How to Create a Killer Brand
Markus Kramer on How to Create a Great Brand
Want to know how to create a killer brand? Brand Affairs Senior Consultant Markus Kramer was in London last week to give a talk about the subject. Find out why passion and history matter from a thought leader in luxury branding and marketing.
Click on the picture above or follow this link to read the article.


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This is the next post in my series on how attorneys can build a multi-million dollar law firm. My last article gave on overview of issues which I'll be discussing over the course of this series. I also stressed the fact that it's no longer going be optional for attorneys to understand they're running a business when they hang out their own shingle. Those who choose to understand this idea will wind up looking like this:
While consolidation in the legal industry will leave those who "dont' get it" looking like this:
In this article I'll look at the flawed attorney business model, how you can correct it, and why a corrected model is leading to large scale firms that will put many solos and small shops out of business. The good news is that you can choose to change your practice – TODAY. Let's get to it.
Attorneys often err by considering "big cases" or "big clients"to be high value work
The typical law firm business approach usually falls into one of these camps:
- For firms which bill by the hour – get as many "big clients" as possible who will require lots of hourly work. A big focus is put on these types of clients.
- For firms which work on contingency – hope to get the "big case," and often refer out smaller matters.
- For firms which work on a flat fee (such as those in criminal defense) – get the "higher end" crime cases (such as those involving federal charges) which require a large fee
This approach has been followed by law firms since lawyers dressed like this guy:
And because the legal profession loves it some precedent, it hasn't changed this approach for the most part. There are two problems with this approach. First, most firms don't adequately consider the impact that large cases have on their ability to scale a practice. Second, attorneys often determine how "lucrative" a case is by it's total dollar amount as opposed to it's "effective" hourly rate. Let's look at each of these issues in turn.
Multi-million dollar law firms are going to consider the ability to scale their practice
Successful businesses understand the concept of doing things at "scale." By this I mean the necessity to grow your sales and revenue in greater proportion to any growth in the resources you put out. An easy way to think of it is this: say a company can handle 100 customers with one employee. Adding a second employee then allows the company to handle a total of 500 customers. A third employee increases customer capacity to 10,000. As a company scales up, the hourly production of each employee increases. In other words, the amount of money an employee brings into the business, per hour, increases as the company grows. This is the exact opposite of what happens in most law firms – where the profit margin per hour of work declines as revenue increases.
The reason why handling larger matters hurts a firm's ability to scale is simple. It focuses on "getting more work" as opposed to "making as much as possible per hour." Say an attorney's hourly rate is $300. Now say that Average Joe's divorce takes twenty hours for a total of $6,000. Now say that Rich Joe's divorce takes 200 hours for a total of $60,000. These cases are no different! In both cases the attorney billed $300 per hour for their time. In the latter they simply had the opportunity to work more hours. Add in the fact that a "work more hours" approach usually requires more support staff, administrative time, and administrative costs and the profitability of each of those hours actually goes down. Working more hours at the same rate isn't a way to increase your profits rapidly – it's just a way to work more. In other words, it's no different than being the person who works forty hours a week for "x" dollars per hour and, instead of finding a better job, chooses to increase their income by finding a second full time job that also pays "x" per hour. Now they're making twice as much for twice the effort.
Instead, attorneys need to take a breath and understand what their "effective hourly rate" is.
Attorneys can scale their practice by focusing on activities with the highest effective hourly rate
I regularly talk with attorneys who focus on what they billed to a case, or what they collected from a verdict, as the sole measure of success. These attorneys often look at the "billable" time that went into a case (which they meticulously record) but they also have no record of non-billable/administrative time in a case. Here's a news flash – your profitability is determined by dividing your revenue amongst all of the hours/resources you put in – not just the billable/reimbursable ones. Say an attorney bills 30 hours in a week, at $300 per hour, for a total of $9,000. Now say that the attorney also puts in 15 administrative/non-billable hours. Their effective hourly rate is actually $200 ($9,000/45 total hours). That $200 number is what an attorney should focus on. Let's look at how focusing on that number can increase profits.
If you look at all the activities/cases your firm handles, and track all of the inputs that go into those activities/cases (billable and non-billable hours, staff time, other resources) then you can figure out which type of case yields the most per unit of input. You may be surprised and that the cases with the largest final bill are, in fact, not the most profitable activity. I recently discussed this idea with Travis Smith, an Oklahoma City expungement lawyer. Travis previously focused his practice on litigation and then decided to transition to record expungements. Why? Simple. Again, if you bill $300 per hour and each billable hour also includes a half hour of non-billable time, then your "real" rate is only $200 per hour. Travis is currently handling expungements for roughly $500 plus associated fees. He estimates that he puts a total of roughly 1.25 hours into each expungement. This means his real rate on an expungement is roughly $400 per hour. Does a record expungement sound more lucrative than litigation? Not to most. In truth, however, it is. I'll deal with the "volume" issue in a moment.
I'll give one more example on this issue of scale. I know of a family law attorney who devoted his practice only to handling unbundled, one-time appearances on Motions. He charged $500 per appearance for the arguing of Motions/Oppositions that the client had filed in proper person. He would meet with the client and review the paperwork before the hearing and withdraw at the completion of the hearing. Here's the thing – he typically handled six to ten such hearings a day over an eight to nine hour period. This type of business model reduced his overhead to near zero and, very importantly, he drove to Court once to handle six to ten hearings as opposed to driving to and from court six to ten separate times. While many other attorneys saw him as "the guy who shows up for a hearing," the fact of the matter is that he likely had a higher annual net income than the overwhelming majority of attorneys who practiced at the Family Court. He maximized his time and scaled his ability to handle hearings.
Now I know what you're saying. It's probably something like:
- "I want to practice substantive criminal law. I don't want to just do expungements."
- "I don't want to just do uncontested divorces all day."
- "I want to litigate and not just process simple accidents in and out of my office."
Here's the point that these responses miss – you're a business owner. It's not that you can't handle the other cases, but if you want your practice to truly make it then you will focus on the highest value activities first and the lower value activities second……or tenth. In other words, you need to be constantly growing your profit centers while also doing those other activities. If you're hell bent on not doing expungements because you want to "practice law" then go work at the public defender's office. If you want to run a business then recognize that you need to be building up the expungement (or whatever area applies to you) part of your operation.
Multi-million dollar law firms will focus on scaleable activities
How often have you seen an attorney with a decent practice in one area and they decide to grow revenue by expanding into a second area? An example of this might be a family law attorney who decided to start handling criminal cases (or vice versa) or a personal injury lawyer who starts taking worker comp cases. The problem with this is that doing so actually lowers your effective hourly rate because you're driving to more court houses and increasing your use of resources. An attorney who wants to build a multi-million dollar law firm, instead, needs to identify the most profitable activity and do more of it! Travis, the attorney mentioned above, is a great example of this. He's growing his expungement business through regular blogging on the topic, building up online client reviews, etc. The result of this is that he saw a jump in expungement business from May to June of this year. Instead of trying to grow revenue by "diversifying" into other areas, which will hurt your profitability, you should be growing by doubling down on your most profitable activities.
Focusing on high value activities, and doing more of them, will allow you to scale your practice. As you develop systems you'll be able to do more with less. This in turn, will increase the bottom line. This type of approach is allowing smaller attorneys to rapidly grow their practice into large operations which are going to gobble up large chunks of the available cases – like the firms discussed in this ABA article.
Want to really grow your practice? Start figuring out which activities are actually your most profitable and double down on them. If you don't…..then don't.
Why do you feel so many attorneys fail to focus on the areas which yield the highest amount of revenue per resource input? Please chime in through the comment form below.


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The Kosher Assorted Nuts Tray is the perfect gift for any occasion! Presented in a natural wooden tray with carved handles and tied with brown satin ribbon are a collection of almonds, roasted salted pistachios, smoke house almonds, and roasted salted cashews. A gift sure to be appreciated by friends and family. 1 lb, 4 oz. Every item is certified kosher by a leading kosher certifier. Gift is clearly marked with certification.
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4/25/20 WFXR News First at 10 pm Weather 2
4/25/20 WFXR-TV Roanoake, VA
A passion for weather since childhood led me to pursue a career in meteorology.
My passion for TV grew after my first time on the green screen as part of a communications class at Penn State University.
I bring over 8 years of weather and television experience to your station.
I've forecasted the weather and shared compelling and award winning stories from the mountains of West Virginia to the coast of North Carolina.
I currently live in Augusta, Georgia and am available for opportunities as a freelance meteorologist in the Southeast U.S. Travel within the region and to other areas is negotiable.
I look forward to hearing from you soon.
4/25/20 WFXR-TV Roanoake, VA
4/25/20 WFXR-TV Roanoake, VA
4/18/20 WFXR-TV Roanoake, VA


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Stage Directors and Choreographers Society (SDC) Directing Initiative
SDC is the theatrical union that unites, empowers and protects
professional stage Directors and Choreographers throughout the United States. Founded in 1959, has spent the last six decades fighting for the rights and livelihoods of these seminal artists.
The SDC Directing Initiative provides recognition, honor, and financial assistance to outstanding student directors who have demonstrated success in direction. Candidates are nominated by their individual institutions, and the institution must have entered either an associate or participating production during the calendar year prior to the regional festival.
One student director from each region will be selected as a Regional Finalist and invited to participate at the national festival at the Kennedy Center in Washington DC each April. This finalist will be awarded travel, lodging and per diem expenses, as well as attendance at KCACTF National Festival workshops and performances. In addition, finalists receive a one year Associate Membership in SDC.
SDC underwrites the National Award(s), which is the result of a unique collaboration between SDC and KCACTF. Associate Membership in SDC introduces each regional finalist to the national community of professional stage directors and choreographers. Additionally, they receive the monthly E-Newsletter, a subscription to SDC Journal (the Union's quarterly magazine), free or discounted admission to SDC Foundation's events, and specially negotiated discounts. For more information about SDC, please visit the website at SDCWeb.org.
Region IV Procedures
At the regional festival you will present a scene you have rehearsed prior to Festival and get feedback from two Directing Respondents. You will also do a one on one interview with the respondents. Those directors who are selected to go on to the final round will have their scenes performed and one will be selected to go to the KCACTF National Festival as an SDC Fellow.
To be eligible, students must:
- Attend a school which has entered at least one production in the regional festival at either the associate or participating level;
- Be a bona fide student at the time of the regional festival;
- Be a registered festival participant;
- Be nominated by a faculty member at their school;
- Submit a completed application packet by the deadline of December 1st.
Application Packet
Materials must be received no later than December 1st.
Please submit the following to:
- A directing resume
- A letter of support from a faculty member that also confirms your current enrollment in a participating college or university
- A statement of intent (1 page) Address the reasions you are interested in the SDC Fellowship Program, what you hope to achieve through your involvement and how it will contribute to your growth as a director. Include a statement confirming your selected scene from the list of nationally selected scenes and why you chose this scene.


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The 2015 70E 120.2 section (2)(f)(4) states "Requirement to retest for absence of voltage when circuit conditions change or when the job location has been left unattended". With the understanding that 70E has a broad audience, how does this affect an operating power plant? Being a former Journeyman electrician, I have never performed or witnessed anyone performing a Live dead live, locking the breaker open and coming back later (after lunch) and taking the lock off the breaker and testing for absence of voltage a second time. Example: In the breaker for a 480 volt motor is in an MCC room and the motor is on a different floor out in an operating plant, I would always recheck my motor leads (if not already taped up) with a proximity tester. NFPA 70E is not clear on this type of example which happens 100+ times a day in the US.
Please send me any interpretation you have on this issue.


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The average price for a last minute flight to Amman is $ 451. This price is based on all searches done in our system in the last 12 months. Our other customers really like to fly with Turkish Airlines, as it is the most popular airline for last minute flights to Amman. If you're considering flying last minute to Amman, on average February has the best fares.
There are various airports that offer flights to Amman, according to our data you have the best chance of finding great deals if you fly from Chicago.
The best price we found for Amman is $ 451.
The cheapest month to fly last minute to Amman is February.
The most frequently chosen airline on BudgetAir.com for a flight to Amman is Turkish Airlines.
There are various airports that offer flights to Amman. The cheapest flights are from Chicago.
The two distinct halves of this capital make it so easy for visitors to grab flights to Amman and enjoy the best of both worlds of the Middle East. This first city of Jordan is lively and exciting and yet has places to escape to when the going gets too crowded. But you can only get to experience this magic if you hop on some cheap flights to Amman booked through BudgetAir.com. The western area is more urban with all the contemporary trappings such as restaurants, art galleries, and modern shopping malls. The eastern part of the city is more conservative and traditional, while downtown Amman features Roman ruins and is the hub of Jordanian life, a must for any visitor coming in on flights to Amman.
Booking your cheap flights to Amman with BudgetAir.com ensures a safe, reliable and easy way to plan your trip. With our easy to use website, safe booking system and a large selection of hotels to choose from, you won't have to worry about a thing when you choose to book your trip with BudgetAir.com.
Book your flight, right here, right now!


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Royals duo to go head-to-head in ParisThere will definitely be at least one Reading player in the quarter-final of this year's European Championships… but there will definitely be at least one going home in the last 16, too.
That is because Chris Gunter and his Welsh colleagues will meet Ollie Norwood and the Ulstermen at the Parc des Princes in Paris, with a place in the final eight at stake!
Both players have played 90 minutes in all three of their group games for their respective countries – so it's more than likely that the names of Gunter and Norwood will be on either side of the teamsheet for the 5pm kick-off on Saturday.
Wales earned their place by topping Group B on Monday evening – a 3-0 demolition of Russia assured them of their spot. Northern Ireland faced a wait to see if they would join the Dragons – the Green and White Army finished third in Group C as they were beaten 1-0 in their final pool game by Germany, but later that evening the Group D standings fell in their favour to ensure their passage.
It has been a topsy-turvy group campaign for Wales. Hal Robson-Kanu's late winner against Slovakia got their tournament off to a perfect start, but defeat to England in the final seconds was a set-back. However their response against Russia was perfect; they steamrollered their Russian counterparts to qualify for the next round.
Northern Ireland's grouping looked extremely daunting – and a 1-0 defeat at the hands of Poland was far from an ideal start. But their second outing against Ukraine ended with a 2-0 victory, with Ollie grabbing the assist for the first; that two-goal margin meant their 1-0 reverse at the hands of Germany in their last game resulted in an all-square goal-difference. Albania and Turkey also finished their groups placed third with 3 points, but both with a -2 goal-difference and they can pack their bags to return home.
There can only be one winner when they meet in Paris; a quarter-final match against either Belgium or Hungary in Lille is the prize. But the victor could be joined at the quarter-final stage by Stephen Quinn and Ireland; their remarkable win against Italy on Wednesday evening has seen them drawn against France for the next stage!


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Random Thoughts- Do They Have Meaning?: How Baseball Players Catch Fly Balls
Ever wonder why baseball players tend to take a step forward on a fly ball even if the ball will undoubtedly (from our vantage point) go behind them?
It turns out that
something called Optical Acceleration Cancellation (OAC), used the acceleration of the ball through the vision field as a guide for player movement.
As a fielder watches the ball rise, he moves either forward or backwards so that the ball moves at a constant speed through his field of vision. If he moves too far forward, the ball will rise faster and may eventually fly over his head. If he takes too many steps back, the ball will appear to rise slower and will drop in front of him.
By managing the ball's position with his movement, a fielder will end up at the right spot at the right time.


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2 of 11
The Big PinkAnother 'next best thing' band to come from London, this band play a mix of shoe-gazing and old-school Stone Roses. Singles 'Dominos' and album 'A Brief History Of Love' are set to make them huge. Friday 11th, 1am. Razzmatazz
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Festival Hipnotik - 11th to 13thNow in its sixth year, the festival that celebrates all things hip-hop kicks off with a MC Battle. Contenders include Kapi, Chojin (pictured), Rapsusklei and Tote.Friday 11th, 5pm, Mercat de les Flors
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Secret Cinema - Sala BeCoolSecret Cinema, or Jeroen Verheij to his mum, is a busy man, spending his time in the studio, starting his own label, recording soundtracks for films and hosting legendary party nights. Catch him while you can.Saturday 12th, 1am. BeCool
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Dia de BrasilA day that celebrates all things Brazilian, with 'pneu' drum workshops, folk dances, food stalls and the first concert in Spain by percussionist Peu Meurray. Sunday 13th, Parque del Nus de la Trinitat, 10am-10pm
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Gregg KowalskyCalifornian musician Gregg Kowalsky kicks off NIU's season of concerts with his innovative musical style. Tape Chants is a cross between sound installation and performance—tape loops, shruti boxes, percussion and gongs all feature to make the other-worldly sound.Sunday 13th, 8.30pm, NIU.
7 of 11
VII Festival de Blues de BarcelonaThe seventh Festival de Blues de Barcelona kicks off today with a week of performances from the likes of Bob Steeley and Ricky Nie amongst others. There will also be workshops so you can hone your blues skills.
8 of 11
El Flea MarketMauMau Underground opens its doors again for monthly flea markets. So get your rooting hats on and head down to source cheap clothes, ornaments, knick-knacks and other second-hand goodies. Saturday 12th, 8pm-11pm. MauMau Underground
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District 9Films out today include 'District 9'. Slum-living aliens arrive in South Africa and start to wreak inevitable havoc. Director Neil Blomkamp and producer Peter 'Lord of the Rings' Jackson have a hit on their hands with this dystopian B movie-esque sci-fi.
10 of 11
My Bloody ValentineAlso released today, yet another horror movie remake, this time the 1981 slasher horror flick 'My Bloody Valentine'. The film has been updated with 3-D effects and received a mixed bag of reviews.
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GordosFinally, if you fancy a more local look at life, this black comedy investigates the ever-increasing waist-band in Spain and the complex reasons as to why people eat too much and the problems obese people face in life.
Three long whole days await you this weekend - flick through our slideshow to get some ideas as to what to do with yourself.
* The Big Pink - Razzmatazz - www.salarazzmatazz.com
* Festival Hipnotik - Various venues - www.hipnotikfestival.com
* Secret Cinema - Sala BeCool - www.salabecool.com
* Dia de Brasil - Parque del Nus de la Trinitat - www.diadebrasil.es
* Gregg Kowalsky - NIU - www.lullcec.org
* Flea Market - MauMau Underground - www.maumaunderground.com
* VII Festival de Blues de Barcelona - Various venues - www.festivalbluesbarcelona.com
* Film releases: District 9, My Bloody Valentine and Gordos


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More than 54 million Americans are expected to travel this Thanksgiving holiday, according to the American Automobile Association. That's the most since 2005.
Compared to last year, 2.5 million more people will be hitting the roads, skies, rails and waterways during the Thanksgiving holiday period, Wednesday, Nov. 21 through Sunday, Nov. 25.
Travelers in many of the typically congested cities can expect to spend four times longer on the roads during this period than they would normally spend, especially if traveling by road.
Approximately 48.5 million people (nearly 5 percent more than last year) will be driving for their holiday travels.
"Thanksgiving is one of the busiest holidays for road trips, and this year will be no different," Trevor Reed, transportation analyst at global mobility analytics company INRIX, said in the AAA announcement. "Knowing when and where congestion will build can help drivers avoid the stress of sitting in traffic. Our advice to drivers is to avoid commuting times in major cities altogether or plan alternative routes."
With help from INRIX and Google analysts, we've compiled the best and worst times to hit the road in Atlanta.
According to Google, the best day to leave for the holiday is Thanksgiving Day at 6 a.m.
Leaving around 6 a.m. Sunday, Nov. 25, should help you avoid the worst of Atlanta's traffic, but there are, of course, no guarantees.
Google analysts recommend avoiding the roads around 3 p.m. Wednesday, Nov. 21.
But according to INRIX, the worst day to travel is Tuesday, Nov. 20, between 5-7 p.m. You can expect to spend 2.75x longer than you'd typically spend around this congested time, the company noted in the AAA announcement.
INRIX also highlighted the worst hotspot in Atlanta: Between exit 216 to 227 on I-75.
To avoid increased congestion after the holiday, consider leaving before or After Sunday. Google research shows 4 p.m. on the Sunday after Thanksgiving is particularly troublesome for Atlanta traffic.
Itching for more on Thankgiving traffic and search trends? Google has published a national guide at MappingThanksgiving.com.
Researchers even examined categorical searches via Google Maps to determine when the most popular places tend to be most crowded.
When to avoid...
Bakeries: Midday Wednesday, Nov. 20
Grocery stores: Wednesday afternoon
Liquor stores: Wednesday afternoon
Movie theaters: Friday evening after Thanksgiving
Shopping centers: Black Friday afternoon
This article was written by Fiza Pirani, The Atlanta Journal-Constitution.
© 2020 Cox Media Group


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oneclick™ enables any software, from the web app from the cloud to the native app as a local desktop application, to run securely on all browser-enabled devices. Native apps and business applications run through an HTML-5-enabled web browser while the application itself and its associated data remain in their original location.
Access is provided independently of location and time via the browser - consequently also in the Tesla. Using the large touch screen in the centre console and the installed web browser, the end user can log onto the oneclick™ platform and access all stored applications.
End users can access their existing on-premises landscapes (native apps) 100% web-based via the oneclick™ platform, which makes mobile working possible via any end device, at any time and at any place, without companies having to replace their old software.
The implemented 2-factor authentication (e.g. Google Authenticator or other integrated services) provides additional security for the existing software and infrastructure. Even when accessing via a mobile device the data always remains securely stored in the company.
oneclick™ runs in the browser and is therefore independent of any operating system. oneclick™ is ideally designed for mobile use, as it has an attractive design to work optimally with smartphones and tablets.
A unique, self-developed streaming technology is used that no longer transfers data to the device. Only images of the connection destination are transmitted as encrypted video. Applications are no longer installed locally but run directly in the data centre. The device requires significantly less computing power, which also allows the problem-free use of older models. Even with low bandwidths, oneclick™ works stable (from 128 kbit/s, e.g. 3G, LTE or WLAN) and users will not feel any difference to working on-site.
Applications can be run from any location, including the existing network, private cloud hosting or in the vehicle. oneclick™ takes care of all the authentication required to access the software and presents all applications to the user in an easy-to-use interface.
Further information can be found here: https://oneclick-cloud.com/en/blog/products/using-native-apps-in-a-tesla/
oneclick AG with headquarters in Zurich, Switzerland, and an innovation motor in Prien am Chiemsee, Germany, is specialised in the development and operation of a cloud platform for the automated and secure deployment of digital workspaces. The goal of oneclick AG is to play a major role in shaping and improving end user computing. oneclick AG has been founded in 2015 and has 25 employees.


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Donald Trump commends the talent of an African woman who juggles balls like a professional footballer (video)
In the video, the woman can be seen juggling a ball with her legs, head, back, knee, and shoulder.
"Talent is evenly distributed, opportunity isn't," the caption on the video reads.
The US President retweeted the video with the caption, "Amazing."
Watch the video below.


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It was a clear, crisp night as I watched the stars last night at the Union Hills Wildlife Management area. I was alone at midnight except for an occasional car racing for home. Well, not quite alone, because the darkness was filled with the sounds of crickets, frogs, ducks and other birds, many unidentifiable sounds in the dark and... yes, coyotes. Quiet at first, then a howl to the left.... another to the right.... pups yipping and yapping, and incredible snarling, growling and screeching, then quiet, as they apparently found their evening meal. It gave me goose-bumps. I decided to not venture far from my parked car.
The stars were bright last night with no clouds in the sky, and the Milky way visible from horizon to horizon, but there was a glow on the horizon in any direction. It is hard in this part of Iowa to find a truly dark sky because there is so much light pollution from nearby towns and cities. Facing west-southwest the Milky Way was the brightest and had the least amount of glow from nearby towns.
17-35mm lens at 18mm, f/2.8, 25 seconds, ISO 2500, edited in Lightroom.
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Milky Way at Union Hills
Paul Hertzel
9/14/2015 10:03:13 pm
Stunning, Bruce. This wonderful shot shows how we are inclined sideways (90 degrees) to the spread and rotation of the galaxy. But we are moving parallel to this vertical thrust of stars, so "up" in your photo.
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Bruce's Blog
Just a few notes about my photos. See more on Facebook.
July 2020


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Cape Town - And, just like that, Schalk Burger's days at Newlands are over.
It was fitting that he captained the Stormers in what would be his final outing after a 14-year-career in the blue and white hoops, but Saturday's 60-21 thrashing at the hands of the Chiefs was a cruel way for a legend of the union to say 'goodbye'.
But rugby, and sport, cares not for sentiment and the Stormers were badly exposed as they were thumped out of the Super Rugby quarter-finals.
Burger crashed and bashed away through the 80 minutes in what has become familiar fashion, but the sides on the field looked like they were from different worlds.
The Stormers were beaten; the 2016 season over as their leader left the place he has called 'home' since 2002.
The 33-year-old is off to Saracens where he has signed for the next two years.
There are no concrete plans after that.
"I'm going to be 35 going on 36 ... I know Victor made it to 38, but I'm not sure I've got that longevity in me," Burger joked after Saturday's loss.
Burger has enjoyed success aplenty at the Stormers, but he leaves without having won a Super Rugby title as that honour continues to elude the franchise.
"Obviously I've got a lot of good memories at Newlands, and unfortunately tonight wasn't one of them," Burger said.
"Of course it hurts but you've got to have perspective. I think this year this team came a long way. We started off on a journey with a young side and I think we did remarkably well to get into a quarter-final."
Burger gave the current Stormers management, including coach Robbie Fleck, his stamp of approval on departure.
"Unfortunately today it just didn't work and I think the challenge for this group is to stay true to their culture," Burger said.
"This is a good experience for a lot of us and we've got to strive to become better and a better team. Yes, tonight is painful but I've really enjoyed my journey with the current crop of players."
Burger pointed to the fact that the Stormers had not met any New Zealand sides in Super Rugby this season, saying that that had made Saturday's quarter-final all the more difficult.
"They've got a certain style at the moment, all the Kiwi sides, that's quite difficult to counter but I think next year will be positive for us that we're playing against them," he said.
"Once you start experiencing the style and adapting to it you get used to it, and we can catch up."
Of course, the Stormers will have to catch up without Burger.
He does not have his flight date yet, but he is set to leave for England within the next few weeks.
"Obviously I'm quite keen. I've spent a lot of time at Newlands and it's been a phenomenal journey but it's the next chapter in my life and I'm looking forward to it," he said.
"There's obviously a great family culture over there. They've had great results and I'm quite keen to go over there and learn."
Burger has also declared himself currently unavailable for the Springboks.


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Next week my wife and I celebrate our 32nd wedding anniversary. That means I may not be blogging next week because we always take the week off and go somewhere. It is really strange saying that I have been married for 32 years. Most people my age have been married several times and few have that many years with the same person. I still remember when I thought that 30 was old. Now I have been married longer than that. I use to say that my wife married me when I was 12, but that still makes me older than I feel like I want to be.
I have been very blessed. I wish that everyone could experience the type of marriage that I have. I can honestly say that I love my wife more today than when we got married. We are still passionate and fun and learning each other. We love being together and trust each other when we are apart. We laugh, cry, and pray together and have no fears of dying with any regrets of what we could have done together. Our marriage is that special.
Now I don't want you to think that we don't have tough times. I tell everyone that my wife is the best of everything for me, including my best fight. No one can make me as angry as she can. But that is because we are passionate. But when we fight, we fight to make us stronger, and when that goes wrong, we forgive to make us humble. In our 32 years we have been on the brink of divorce twice. We have been in marriage counseling and we have been separated. We have been tempted to call it quits, but by the grace of God have never followed through with it. We have suffered through alcohol and drug abuse and self centeredness. We have had plenty of money and great careers and we have both been unemployed and dirt poor. All of these things have worked together to make us stronger.
We use our experiences to help others every chance that we get. We can look young couples in the eyes and tell them that we understand where they are and what they are going through. It brings us great joy to see a couple about to call it quits, turn things around and become stronger than ever.
As a husband, I can honestly say I am the best husband my wife has ever had. She knows this and will be the first to tell you that she has never married anyone that is as good as me. Of course, since I am the only husband she has ever had, I rank number one without any competition. That doesn't change the fact that I am the best husband she has ever had though.
My wife is incredible. She is extremely smart and has the most incredible patience. She has worked her way to the top in corporate America, ran her own business, and helped to build our church. She has people skills that make her the type of friend that people dream of. As a mom, she is compassionate and nurturing and as a grandmother, or Mimi, she is the one responsible for spoiling the kids beyond repair. Add to all of this, she is unbelievably beautiful and sexy. Yes, I am truly blessed.
So next week, we are heading out to spend a week away from work and church and family and friends. We are going to ride the motorcycle, dine out, watch movies and read books. We are going to forget about the stresses of life and enjoy being together and reflect on how awesome it is to be married to each other. This will mean, no blogs, no Facebook, and no phones.
When we walked down that aisle and said our vows 32 years ago, no one thought that we would make it. Our dads even made bets about how quickly it would end. They said that we would never make it because we were too young and I was too messed up. They were correct about me, but God does work miracles. I was so happy to get married that day. It was the best thing that I could have ever done. I am happily and joyfully married and can't wait to see what is coming in year 33 together and beyond.
Happy Anniversary to my bride and girl of my wildest dreams. Thanks for loving me and letting me love you.
I am still married and wanting more!
Still Married And Wanting More
Next week my wife and I celebrate our 32nd wedding anniversary. That means I may not be blogging next week because we always take the week off and go somewhere. It is really strange saying that I have been married for 32 years. Most people my age have been married several times and few have that many years with the same person. I still remember when I thought that 30 was old. Now I have been married longer than that. I use to say that my wife married me when I was 12, but that still makes me older than I feel like I want to be.
Unbelievers and Believers Can Agree
Yesterday was crazy on Facebook with people going back and forth about the NC amendment concerning marriage. Needless to say, people are passionate about this subject. I want to address a couple of things concerning this.
First, I hate it that the church gets such a bad rap on this subject. But you can't complain about what happens when people who are supposed to show the love of God, show the ugliness of humanity. God does not hate people. He hates sin. Sure, that means that sin must be defined and that there are people who do not agree with how it has been defined, but God is the one who calls those shots. God loves people so much that He allowed His Son, Jesus to die for those sins and receive full acceptance as His children. He made it possible for any human, no matter if you are gay or straight, rich or poor, black or white, to be forgiven and receive eternal life. As His people, we are to represent Christ by showing compassion and love and not by acting as judge and jury. I believe if the church would spend a little more time cleaning up its own back yard we wouldn't have such a hard time when we try to clean our neighbor's.
Second, I hate it that people who don't believe in God get so upset at people who do. They quote the Bible, and it is often quoted very much out of context, as if it should mean something because they use it and not when Christians use it. They tell Christians that we shouldn't force our beliefs on them, yet they have no problem trying to force Christians to accept what they believe. They act as if having no God makes them better judges of humanity than those who have a God. Sadly, all we humans can do is make a decision to believe that we are special in nature and enforce some sense of morality and laws. Because we are not of the same minds on this, there will always be issues of disagreement.
I have a good friend who is a professing non believer and we are probably on as different ends of this argument as two people can get. Yet we respect each other enough not to let this disagreement hinder our friendship. I have said a few things that he probably takes offense to and he has done the same with me. But, at the end of the day, we can't wait to play cards together each month. That is what friends are supposed to do. But I want to conclude this with something that I think we would agree on.
He serves his fellow-man very unselfishly. He holds friendship high in his beliefs of what is important. I would like to think that he would agree that I do the same. What we need to do is address the issue of can we make a difference that helps those that we feel are underprivileged. Believers and non-believers can be involved as fellow citizens to do our part to help others. I know that the church has traditionally helped those in need. Sadly it has gotten more recognition for opposing issues than solving problems. Jesus would never do anything but love people and meet their needs. He relied on His love to change people's hearts and cause them to want to listen to His teachings.
I do not believe that the real issue is gay or not gay, married or not married. I believe that the real concern is who a politician can get to vote for him. I would like to see the people of this great country start telling politicians that we don't need them to baby-sit us. We need them to provide a safe and productive place for all Americans to raise a family, regardless of its make up. We, the people, should take care of our fellow-man and if someone is hurting, comfort them. If someone needs help, help them. If I as a Christian help those who Jesus helped, I will be helping anyone who needs it, not telling them that they are wrong and deserve to be in the place that they are in. If All Christians will do that, maybe there won't be a need to have people who don't believe quote the Bible to us. And maybe more will learn the love of God instead of hearing of the wrath of God. Yes, God is a God of love and wrath, but that is for another blog.
People who get involved in others lives for the purpose of other's well-being will be passionate. Let's keep the real situation in the forefront. We can and should all help. And yes, there might even be a way to disagree on a definition or an issue and still help our fellow-man as believers and non believers alike . That is my intent. What is yours?
Marriage Is GREAT!!!
I really want to say something about married life. I have attempted to write this several times now but keep getting to the point of being way to wordy. It is hard to talk about something that you believe in so much and keep it short and sweet. Too many marriages are definitely short, but sure not sweet. It breaks my heart to see young couples throw away their marriages because they are too proud to get help before it is too late. But maybe one of the reasons they throw away their marriage is because they don't have the hope that comes from hearing about marriages that are successful. So I will take a few minutes to tell about a hugely successful marriage; mine.
We have been married for 31 years now. I can not imagine not being married. We have been through a lot, but always end up stronger for the trials that we went through.
I continually tell people who my wife and I are the best of everything for each other and I mean it. Listed below are few examples.
I have the best conversations with my wife. There is no one I would rather talk to about our problems or anything else. We solve problems together. Not always quickly, but always together. We have learned that the way things are said often make the meaning of what you say different. For instance, if I say I need to buy a blue shirt, that means at the closest store that sells shirts, I will be in and out with a blue shirt within 5 minutes. When she says she needs a blue shirt, it means a full day of shopping and she might come home with a blue shirt. We understand these subtle differences because we love to talk a lot and there is no one we love talking to more than each other.
I have the best fun with my wife. Don't jump to the conclusion that everything we do for fun we do it together. I believe couples need time apart for the different types of fun that they enjoy, but I never have more fun than when I am having fun with my wife. We plan our anniversary each year around a week-long motorcycle trip. Sometimes we don't plan the ride, only the destination. We love seeing new places together and laughing at the stupid things we end up doing together. We camp together, and even if there are grandkids with us, we have fun together. She even fishes with me occasionally and I go to bookstores with her from time to time. But the bottom line is we have more fun with each other than with anyone else.
I have the best fights with my wife. That sounds like a negative, but think of it this way. That usually means you are passionate and who better to be passionate with? It also means that we know more about each other than anyone else does. No one can push those buttons better than we can because we know what buttons to push. Fighting is normal in a marriage and even intense fighting. I am not talking physical fights. I don't fight with anyone that way. I will kick your butt if you mess with my wife, but that won't be much of a fight…just saying. One thing we always do is make up after a fight. And we make up better than with anyone else.
Close your eyes if you are easily embarrassed now. We have the best sex life together too. Sex is a wonderful gift that God allows married couples to have. He even tells us that we get to own each others bodies. Sadly, this is one area that couples fall apart at over the years. They get too busy, too tired, and to distracted to keep this area fresh and exciting. Media makes sex into something perverted and purely physical. But God says it is much more than that. He tells us that it is a key instrument to a successful prayer life…1 Corinthians 7:5 Don't withhold yourselves from each other unless you agree to do so for a set time to devote yourselves to prayer. Then you should get back together so that Satan doesn't use your lack of self-control to tempt you. Outside sources of sexual stimulation, (movies, tv, pictures, etc.) should not be allowed in you sex life. God tells men to rejoice in the wife's body, not fantasize the she is someone else. Sex is not the only factor in a successful marriage but is an important one. There is nothing wrong with letting other married couples know this, within reason, because too often it is lied about to make people think that after marriage, sex ends or becomes boring. In fact, marriage should be the only time for sex and it should be the best with your spouse.
I guess the most important thing that we are the best at together is our spiritual lives. We serve together and worship together and pray together. Our church knows we do this together and we promote other couples to become involved together in growing spiritually. Every individual is created by God to know Him and learn of His love. When two people get married, we become a living example of Christ's love for the church for the whole world to see. That is what the bible says in Ephesians chapter 5.
There is nothing better than a great relationship with God and there is nothing better than your marriage to show that to others.
Marriage is great, not easy, but if your spouse is the best of everything to you, yes, marriage is great!!!


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We're increasing our tariff for a typical home by 12.6% across a dual fuel tariff. That means an average increase of £10.68 per month*.
This price change will affect existing customers on our SVT from 8th September 2018. And it is in place for new customers from today, 3rd August.
The rise is slightly higher than we predicted it would be back in June when we gave advanced notice that an increase would be necessary this year. Unfortunately this is because of increased uncertainty in the energy market. But we remain cheaper than the Big Six energy suppliers.
82% of our customers are unaffected, as they're on fixed deals with us. And we are urging all our SVT customers to switch to a fixed deal with us.
Why are we doing it?
We don't take any price increase lightly, and we'll only do it when absolutely necessary. However since November 2016, wholesale electricity prices have risen by around 15% and gas by 30%.
Government policy costs have also increased significantly, including clean energy subsidies and the smart meter programme. We've worked hard to reduce our own costs, to absorb some of these increases. But we can't offset the rise in the wholesale market.
So what has caused this price rise?
• Increased uncertainty across the world, causing commodities to rise, including gas and electricity. Oil prices have increased by 44% since November 2016, largely because of conflicts in the Middle East, and ongoing tensions and trade disagreements between the USA, Europe, Russia and China
• An almost 400% increase in the cost of carbon certificates. Most electricity generation has some level of carbon associated with its generation, so this pushes up the cost of energy
• Significant decreases to the amount of major gas storage in the UK (Rough) and in Europe (Groningen) have caused concerns about supply
• Wholesale prices shot up in February during the 'Beast from the East'. This has created uncertainty in the market about the UK's ability to cope with extreme weather.
Find out more about how we keep our prices fair.
*Using Ofgem's typical domestic consumption value.


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Creating Smiles For the Future
Dental care for your growing child, giving them smiles now and forever.
Dental care for your growing child, giving them smiles now and forever.
Dr. Dave is one of the best dentists in Dickson and Clarksville, Tennessee, and has over 30 years of experience providing general dentistry and cosmetic procedures to patients of all ages. Dr. Hippensteel is a second-generation dentist, having gone into practice with his father in Quakertown, PA, after graduating from the respected Temple Dental School in Philadelphia. He continued his training by earning his Fellowship with the Academy of General Dentistry before starting as a solo practitioner in 2004
The first step towards a beautiful, healthy smile is to schedule an appointment. View our schedule below.
Our dental experts understand what to look for and how to help your child have the best dental experience possible.
Our kid-friendly practice has everything to make your child feel as comfortable and entertained as possible during their visit.
Your child is in good hands! Our patient and dedicated staff is excited to bring a happy smile to you and yours.
You can rest assured that Dr. Dave and his staff of experts will use only the highest grade equipment when treating your child.
Schedule an appointment today via phone or fill out our contact form.
Help speed things up by filling out your information ahead of time.
We'll take great care of your child, preparing them for a healthy future.
Dr. Dave and his staff will help educate your child or teen using models, computer technology, and child-friendly terminology, while highlighting the importance of keeping teeth strong and healthy. In addition, we will work with you and your child or teen on disease prevention, trauma prevention, good eating habits, and all other aspects of home hygiene routines. If you and your family stay armed with the necessary information, maintaining a healthy smile will be much easier.
By continuously tracking growth and development, we are able to anticipate dental issues early on and quickly intervene before they become a serious issue. Also, working towards earlier corrective treatment preserves your child's self-esteem and helps create a more positive self-image. It is never too early for preventative dentistry. Visiting the dentist early and often throughout your child's formative years is imperative and will help significantly in their future.
Helping parents and children establish proper eating and oral care habits limits the chances of tooth decay as time goes on. In addition to providing check ups and dental cleanings, Dr. Dave and his staff of experts are also able to apply dental sealants and topical fluoride to young teeth, advise parents on thumb-sucking/pacifier/smoking cessation, and provide good demonstrations of brushing and flossing. Much of dental care and prevention is done at home, but we will help prepare your kids for stretches between visits.
We see plenty of kids and teens with outstanding oral hygiene habits. However in some cases, we may discuss the possibility of early oral treatments with parents. In the case of oral injury, malocclusion (bad bite), or bruxism (grinding), space maintainers may be fitted, a nighttime mouth guard may be recommended, or reconstructive surgery may be scheduled. We will take the proper precautions to ensure a bright and healthy dental future for your child.
1754 Madison St, Clarksville, TN 37043
Mon-Thur: 8:00am – 5:00pm
Phone: (931) 486-8902
Took my son here for a broken tooth. Everyone in the office was exceptionally nice. Both dentists saw my son, and they were so good with him. They recommended treatments and explained them thoroughly. Highly recommend!
This office and staff are wonderful. My children had their first positive dental experience here, and we are going to continue to use them. This was the first time my kids want to go back to the dentist after an appointment!
The doctor and his staff are amazing! They made sure my kids were comfortable every step of the appointment. They're so caring and friendly! We definitely recommend Dr. Dave!


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Trish has been a licensed Optician since 1997. She is American Board Certified and National Contact Lens certified. She earned her degree from New Hampshire Technical Institute. She started working at Concord Optical as an intern while she was at school and has stayed on to become a vital member of our staff.
Trish says her favorite thing about working here is finding fashionable frames to make you look your best!


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This girl wrote a message to the stranger who stole her bike, and what happened next could be a Hallmark movie
Amanda Needham's bike — which she relied on to get to work each day — was stolen in Brooklyn earlier this month. But instead of wallowing in the injustice, Needham decided to leave a giant note for the thief, hoping to send a message. And she couldn't have predicted what would happen next.
Needham described the note in a March 16th piece for The Washington Post.
"I crafted an 8-by-3-foot cardboard sign and hung it across the entire front of my landlord's Brooklyn brownstone," she wrote (noting that she got permission first). "It said: 'To the person who stole my bicycle — I hope you need it more than I do. It was $200 used, and I need it to get to work. I can't afford another one. Next time, steal a hipster's Peugeot. Or not steal! PS: Bring it back."
She left the sign up for seven days, at which point two men appeared at her door, one holding a blue mountain bike designed for a teen. The man said the same thing had happened to him once, and so he wanted to give her his spare bike. While the bike unfortunately wasn't the right size for Needham to ride, she noted how incredible of a gesture it was; someone was willing to donate an entire bicycle to help out a total stranger.
And unbeknowst to Needham, more people were trying to help. A neighbor named Steven S. Powers saw the sign and posted it to Instagram.
The sign generated a ton of comments and got the attention of a British antique dealer named Robert Young. He realized that it was more than a sign — it was art. And he wanted to buy it with Powers for a total of $200.
And with that, Needham — who had been using CitiBike — made $200 to put towards another bicycle. However, she was still in possession of the mountain bike donated to her by a stranger — so she paid it forward. Calling it the #KarmaCycle, she brought it into a local shop called Court Cycles where they're currently fixing it up for a kid-in-need.
This is exactly the kind of story we needed today.


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Forever a flower child!
Kate Hudson epitomized the old saying — "If you've got it, flaunt it!" — while on a run to Juice Crafters in Los Angeles on Saturday, April 4. The Wish I Was Here actress displayed her envy-inducing figure in an outfit that screamed music festival chic.
Hudson, 35, went braless in a deeply plunging black bodysuit, paired with a floral button-down maxi skirt. She further channeled a carefree vibe by tossing her naturally wavy blonde tresses into a messy top-knot bun hairstyle. The fit mom to sons Ryder, 11, and Bingham, 3, accessorized with dark sunglasses and a set of gold double-layered necklaces, which grazed the center of her taut stomach.
Hudson, who continues to inspire with her incredible physique, shared her tips for getting an amazing body. "You work your ass off, that's the only way. You have to eat right," she told Us Weekly in November 2014.
"I always say that and you know, it's like everybody wants some sort of secret, and there just isn't one, you have to work out."
For access to all our exclusive celebrity videos and interviews – Subscribe on YouTube!


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Attached are the readings for the British Colonization Writing. 4 Readings for British Maori Writing
Attached are the questions for each reading. Guided Questions for 4 Readings
Attached is the Jigsaw Note sheet and the Rubric. Jigsaw Groups Guiding Questions and Rubric
Your 3 or 4 paragraph writing will be due sometime next week.
Posted in: Uncategorized


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Understanding Business Chapter 18: Financial Management
Flashcard maker : Lily Taylor
Q – What shows a firm's spending plans on fixed assets such as large equipment?
Capital budget
Q – An effective budget requires:
accurate forecasts
Q – As a finance manager at AllSports Communication, Charlie worries about the firm's borrowing requirements for the upcoming year. He knows the benefits of estimating AllSports' cash disbursements and short-term investment expectations. Facing these concerns, a(n) _____ budget would provide Charlie with valuable information by providing a good estimation of whether the firm will need to do short-term borrowing. Why? 7pts
cash budget; a budget that estimates cash inflows and outflows (during a particular period like a month or a quarter) and helps managers anticipate borrowing needs, debt repayment, operating expenses, and short-term investments, and is often the last budget prepared.
Q – The concept, ¨time is money¨ indicates:
a dollar received today is worth more than a dollar received a year from today.
Q – Acquiring funds thru borrowing represents:
debt financing
Q – The business function that is responsible for acquiring funds for the firm and managing funds within the firm is called
Q – Tristan is the financial manager of a small company. While sales are steady, customers are taking longer to pay, and he has had increasing difficulty obtaining short-term loans to finance the day-to-day operations of the company. Tristan's company is facing a(n)
cash flow problem
Q – An example of undercapitalization would be
insufficient funds to pay operational expenses
Q – Undercapitalization, poor control over cash flow, and inadequate expense control and three reasons firms:
Q – what is the major role of financial managers?
they examine financial data and recommend strategies for improving the financial performance of the firm
Q – How does finance differ from accounting? long explanation, then summed up one. I think you should know them both
WHY? Finance is the act of acquiring and managing funds for the firm. This process includes planning, auditing, managing taxes, advising top management on financial matters, collecting funds, controlling funds, obtaining funds, and budgets. Accounting is the preparation and recording of data and financial statements that others inside and outside the firm use to make decisions; SUMMED UP (Quiz answer) Financing is acquiring and managing funds for the firm and accounting is preparing information in a way that is meaningful to others;
Q – It is especially important for small firms to have good financial management b/c:
small firms typically do not have adequate money for a financial cushion
Q – What is not typically a job of a financial manager? why?
ordering supplies for production; Since finance has such a huge definition (that's probably worth learning), financial managers serve many roles, but ordering supplies for production is usually not one of them.
Q – Financial managers follow a step-by-step process of financial management… t/f
not true
Q – When financial managers refer to the ¨time is money,¨ they mean that …. and why?
money earning interest increases in value over time; Time value of money is the concept that money available at the present time is worth more than the same amount in the future due to its potential earning capacity (interest)
Q – A firm that purchases a long-term asset such as a manufacturing facility is making a(n)
capital expenditure
Q – The two primary forms of financing and equity financing and _____
debt financing
Q – Peter wants to open a new manufacturing facility in Western Canada. Instead of securing bank loans to finance this venture, he sells shares of stock in his company. This is known as:
equity financing
Q – What kind of financing would the following situation require? – Madeleine's Fashions plans to add inventory in its retail store just before the holiday season.
short-term financing
Financial planning involves: (3 steps)
1. Forecasting short-term and long-term needs
2. Developing an overall budget to meet the short-term and long-term financial needs
3. Establishing financial controls
2. Developing an overall budget to meet the short-term and long-term financial needs
3. Establishing financial controls
(Elements of financial planning, **DO NOT let this confuse the financial planning steps***) A financial plan is to ____ & ____, leading into the Operating (master) budget) which is to ___ ___ & ___. Then _____ leads back to the financial plan, starting the financial plan all over again
short-term forecasting; long-term forecasting; capital budget; cash budget; financial control; feedback;…**DO NOT let this confuse the financial planning steps***)
What do financial controls allow managers to see?
how the company is meeting its fiscal objectives and achieving milestones
A short-term forecast allows a company to predict the short-term ___, ___, and _____ during the next week, month or year.
revenues, costs, and expenses
A short-term forecast is not only a prediction of sales but rather …
other costs associated with doing business
A tool that may be used to provide additional information about the flow of money into and out of the company is the …
cash flow forecast
A _____ can be used as a base for a company's strategic plans.
long-term forecast
How far in the future can long-term forecast provide projections?
5-10 years
A long-term forecasts allows top management to _____ where income is coming from as well as its future _____ potential
envision; profit
The second step of Financial Planning is to develop an overall ____ to meet short-term and long-term financial needs.
(Step 2 of Financial Planning: Working with the budget process) A ______ highlights the spending plans for major purchases
a capital budget
(Step 2 of Financial Planning: Working with the budget process) a ____ estimates cash inflows and outflows
a cash budget
(Step 2 of Financial Planning: Working with the budget process) an ______ or ______ ties together the firm's other budgets
an operating aka master budget
The third step of Financial Planning is establishing _____ ____, which is the process of reviewing actual versus budgeted revenues and costs
financial controls
(Step 3 establishing financial controls) Why is financial control so important?
it guarantees that the various departments and managers within a company will actually follow the budget
(Step 3 establishing financial controls) what is the function of financial controls?
compare actual revenues, costs, and expenses with the projected ones in the budget.
What are the four key areas of financial needs? And what usually should be the primary source for these funds and when it's not, what typically causes it to not be? Why?
1. managing day-to-day needs of the business
2. controlling credit operations
3. acquiring needed inventory
4. making capital expenditures
; sales; capital expenditures; the funds will have to be drawn from a lending institution
2. controlling credit operations
3. acquiring needed inventory
4. making capital expenditures
; sales; capital expenditures; the funds will have to be drawn from a lending institution
Because of the time value of money, businesses should keep cash invested for ___ ___ ___ ___ to maximize investment potential
as long as possible
What are examples of a company's day to day operational costs?
employee salaries, supplies that people buy (like if its a coffee shop, cups and lids), rent and utilities
Why is adequate inventory important?
to meet customer needs
Inventory policies are need to … 3pts
finance purchases; ensure products are available; and maximize profits
What makes capital expenditures so important?
every business, big or small, will eventually have to confront them.
What are capital expenditures?
major investments in either tangible long-term assets such as land, buildings, and equipment or intangible assets such as patents, trademarks, and copyrights
Why might one resort to making a capital expenditure? 3pts
to make future expansion; increasing production capabilities or levels of output
What are four alternative sources of funding to raise?
debt financing; equity financing; short term financing; long-term financing
Through which means can companies raise capital?
debt financing & equity financing
Summed up, what is debt financing?
borrowing money
Summed up, what is equity financing?
selling ownership of the company thru shares of stock or by earning profits
Equity financing uses funds raised _____ (from _____) or through selling ownership (selling _____) to provide a company with an influx of cash
internally; operations; stock
A firm borrowing from an outside lender and borrowing cash on a short- or long-term basis is called
debt financing
short-term financing should be used for what kind of needs?
short-term needs
___________ financing should be used for projects or equipment that will be utilized over a period of longer than one year, usual up to ten years
long-term financing
What are some sources of short term funds (or short term financing)? 6 possible points
family and friends; taking advantage of trade credit; using commercial banks to obtain different forms of short-term loans; factoring accounts receivable; selling commercial paper; utilizing credit cards
Companies can sell commercial paper on their _____ ______
What are 5 different forms of short-term loans?
secured loan; unsecured loan; line of credit; revolving credit agreement; loans from commercial finance companies
Q – A loan backed by collateral is called a(n)
secured loan
Q – If a firm is financially sound and has a long-standing relationship with a bank, the bank may extend unsecured short-term loans to the firm. This type of arrangement is called a(n)
long of credit
Q – Patrick's lawn care business needs quick cash to purchase a new commercial lawn mower. Instead of getting a loan, he sells his accounts receivable for cash. This type of financing is know as ____
Q – While best used as a last resort, many small businesses in need of short-term financing use
credit cards
Q – When a company has a long-standing relationship with its suppliers and purchases large quantities, it usually has 30-45 days to pay for the purchase. This arrangement is called
trade credit
Q – The two primary types of long-term financing are
debt financing and equity financing
Q – The ¨IOU¨ that is issued by a coporation or government to raise needed funds, promising to repay the principal amount by a certain date along with a certain rate of interest, is called
a bod
Q – Even while the economy experienced a relatively harsh recession, TEVECOM reported $130 million in net income. At the company's board of directors meeting it was decided that TEVECOM would distribute $50 million in dividends to its stockholders. The remaining $80 million became …..
retained earnings
Q – In order to raise funds, Nickelson.com has decided to sell shares of its stock for the first time to the general public. This is known as a (n) _____ and its acronym is____
initial public offering (IPO)
Q – A(n) ___ is an estimate of the timing and amounts of cash inflows and outflows over a period of time so that financial managers can determine if the firm needs to borrow funds, how much it needs to borrow, and when — and how— it can repay the loan
cash flow forecast
Q -A firm's spending plans for major purchases, such as manufacturing equipment or buildings, is detailed in the _____ budget
Q – Although Naomi's business is small, she knows that she still needs to develop an accurate estimate of the costs and expenses needed to run the business. In order to do this, Naomi develops a(n) …… 1pt … Why? 2pts
operating budget; the operating budget shows how much the firm plans to spend on advertising, travel, salaries, rent, and all of the other necessary costs and is often the most detailed and useful budget to companies of all sizes
Q – Most of the customers in Maleki's printing business pay him at the end of the month. However, his paper supplier demands payment upon delivery. In order to make sure that he has funds available to pay his supplier, Maleki should develop a …
cash budget
Q – Todd McFarlane has chosen not to sell stock in his companies. While selling stock is sometimes an efficient way of raising funds, one of the major disadvantages of having stockholders is they ….. and why is that?
usually have voting rights; common stockholders have voting rights that may alter the way the company is run. Todd McFarlane would probably find such oversight too confining since he now enjoys full control and flexibility
Finance is the act of ____ and ___ funds for the firm. This process includes ___, ___, ___, ___, ___, ___, ___, & ___.
acquiring; managing;…. planning; auditing; managing taxes; advising top management on financial matters; collecting funds; controlling funds; obtaining funds; budgeting
Accounting is the ____ and ____ of data and financial statements that others _____ and _____ the firm use to make decisions.
preparation and recording; inside and outside
Financial control is a process thru which a firm periodically compares its budget to what three items?
revenues, expenses, costs
A firm selling ownership in the company in the form of stock is using ________
equity financing
Financial management primarily involves managing a firm's:
financial resources
What are the three steps in the financial planning process in order from beginning to end?
1. forecasting the firm's financial needs
2. developing budgets
3. establishing financial controls
2. developing budgets
3. establishing financial controls
A firm raising funds thru various forms of borrowing with the intent to pay it back is using _____
debt financing
What are three true facts about trade credit?
it is the most widely used source of short-term funds; it is used by large and small businesses; it is usually more convenient than bank loans
What are two thru facts about venture capitalists?
they invest in businesses with high potential; they have assisted many major companies during start-up
The term of the bond (interest, repayment, date, etc) are called
indenture terms
Raising needed funds thru borrowing to increase a firm's rate of return is called ____
3 correct statements about pledging include?
as account receivable is paid, the money is forwarded to the lender as repayment of the loan; a firm gets a percentage of accounts receivable pledged as a loan; a firm's accounts receivable is used a a basis for loan
_________ is the practice of buying goods and services now and paying for them later
trade credit
A loan that does not require collateral is called a(n)
unsecured loan
A line of credit that is guaranteed but usually comes with a fee is called:
revolving credit
When a company allocated the use of specific resources thruout the firm based on a financial plan indicating management's expectations, then the company is using a(n) _____ as the basis for making decisions.
3 true statements about commercial finance:
they make short-term loans; they wants borrowers to offer tangible assets as collateral; they charge higher rates than banks;
Items that may back a secured bond include: 2pts
machinery and equipment; real estate
Finance is the function of acquiring and managing _____
3 true statements about factoring information:
the firm that buys the accounts receivable collects the amount due; small businesses often use it for financing in the short term; it is the accounts receivable of a firm sold for a discount
____ are the owners of a public corporation
The risk/return trade-off principle means that:
the greater the risk a lender makes in making a loan, the higher the interest rate
The risk/return trade of principle means that the greater/lower the ____ a lender makes in making a loan, the _____ the interest rate
greater; risk; higher
A term-loan agreement is a promissory note that requires the borrower to: 2pts
pay interest on a loan; pay specified amount in installments
The term used for unsecured notes of $100,000 and up that are due in no more than 270 days is ….
commercial paper
Unsecured, short-term funds a bank will lend to a business, provided the funds are readily available, is called ….
line of credit
3 key functions of financial management: ____ funds; managing ______; and controlling ____
collecting; taxes; funds
Profits the company keeps and reinvests in the firm are called:
retained earnings
The three types of main budgets in financial management do NOT include which of the following: (A) cash budget; (B) sales budget; (C) capital budget; (D) operating, or master, budget
(B) sales budget
____ funds are typically needed to manage day-to-day needs of a business as well as acquiring needed inventory
What is the basis behind unsecured and secured loans?
unsecured loans are usually only for the very stable customers; secured loans are backed by collateral
With regard to tax considerations in financing, the fact that dividends are paid from after-tax income is a sign of ________
equity financing
define dividend:
a distribution from the net profits of a company to its shareholders
The two groups the cost of capital (rate of return) must satisfy are: 3pts
stockholders (owners); lenders
Raising needed thru borrowing to increase a firm's rate of return is called ____
The rate of return a company must earn in order to meet demands of its lenders and expectations of its equity holders is called the:
cost of capital
With regard to repayment in financing, financing that has no repayment date is a sign of ….
equity financing
3 characteristics of promises included with a bond:
to repay on a certain date; to pay a certain interest rate; to repay the amount owed;
Concerning management influence in financing, having no authority unless special conditions have been agreed on is a sign of _____ financing
The two groups the cost of capital (rate of return) must satisfy are:
stockholders (owners); lenders
When a company is approved for unsecured, short-term funds to be lent from a bank, provided the funds are readily available, the company has applied for a _______
line of credit
Duties of a financial manager do NOT include:
(A) production planning; (B) budgeting; (C) obtaining funds; (D) cash management
(A) production planning; (B) budgeting; (C) obtaining funds; (D) cash management
(A) production planning
…. are a form of financing where the merchant accepts payment immediately from the bank and the customer agrees to repay the bank.
credit cards
What are three key activities of finance?
planning for major expenditures of funds; performing cash flow analysis; preparing budgets
A financial plan is important to business because it:
greatly increases the firm's chance of success
Commercial finance companies take ____ risks than banks and charge ___ interest rates
more; higher
a(n) …. summarizes a firm's spending plans for major asset purchases that often require large sums of money
capital budget
A line of credit that is guaranteed but usually comes with a fee is called a
revolving credit agreement
A firm's cash budget flow include: 3pts
borrowing needs; short-term investments; operating expenses
A stock price forecast is a part of a firm's cash flow budget. True/false
3 advantages of using a credit card in small business financing include that it:
saves times and its convenient; provides a line of credit; saves embarrassment form a bank turn down
What are not key activities of finance? 2pts
performing cash flow analysis; creating sales forecasts
Financial managers must understand tax regulations b/c: 2pts
they must consider the tax implications of major decisions; businesses want to minimize taxes
A line of credit that is guaranteed but usually comes with a fee is called …
revolving credit
The 3 needs for operating funds include:
controlling credit operations; making capital expenditures; acquiring needed inventory;
Short-term funds should be used for: 3pts
financing current inventory; cash flow problems; monthly expenses;
The most common source of meeting long-term capital needs it:
retained earnings
When financial managers consider long-term financing, they may ask 3 long-term questions, which are?
what sources of long-term funding (capital) are available, and which will best fit our needs?; what funds do we need to achieve the firm's long-term goals and objectives?; what are the organization's long-term goals and objectives?
What wouldn't be a long-term question that a financial manager would ask regarded long-term financing?
how much long-term funding will be needed to meet the monthly payroll


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Posted in: Trask
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Cancelled unforseen reason - Moemoea Mohoawhenua is sorry to cancel due to circumstances outside his control on 6, 7 and 8 June.
The streets are quiet now showcases a series of portraits of Auckland street people. The series of work displayed includes characters such as the homeless, ex-cons, poets, and gangsters. The streets are quiet now captures the reality of life on the streets.
Please note - the outdoor display may be cancelled on bad weather days.


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Every time a student asks about academic forgiveness, I can't help but have this image go through my mind.
At my school we have three different options that fall under the category of academic forgiveness: Retaking classes, wiping one or two semesters, or wiping the entire transcript of all grades. The latter two options require 3 or 5 years to pass respectively. However, I have had a few students who are surprised that we don't have a "freshman forgiveness" policy that will allow them to clear out their first semester or two if they tank the first year. Not sure if this sort of thing even exists at other schools.


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Youtube Video Resources
If you've ever uploaded a video to Youtube, you've likely had several questions about the best way to do so.
I've compiled several links below that can answer the most common questions:
What video format to use?
Here's Youtube's official recommendations:
What video formats are supported by Youtube?
How do you get a custom thumbnail on your Youtube video?
If you're using Adobe Premiere Pro and you want to get the best quality video here's a good resource:
Hopefully you find these resources helpful. If you have any resources of your own that you would like to share, please submit them in the comment section below.
Here is and and if you're interested in seeing some of my videos. If you'd like me to check out your videos, please leave a comment in the section below.


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when should i consume my creatine?
when should i consume my creatine?
Any time, just take it every day
Doesmt matter. Just take 5g per day
there are some studies that show taking it near a workout has benefits but I don't buy that as nothing more than supplement companies trying to make it habit forming
in the long run just taking it (not overdosing it) makes the most sense. and get a quality one.. n2bm sells the best creatine
Now taking clients for 1 on 1 consults
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I take it every morning before my workout. Honestly dont overthink it man!


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The Parker 31R (SR1) is an excellent and very stylish Stainless Steel Shavette, ideal for those wishing to try out straight shaving but without the hassle of stropping and honing.
Shavettes offer the benefit of blade inter-changeablility, and will also accept a standard DE razor blade which is simply snapped in half length ways.
Supplied in a Black cardboard case.


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New York City isn't all about Times Square and expensive tourist attractions, that's why we're throwing back to when Rachael traveled the world on '$40 a Day,' but instead of traveling the world, today she's giving you a tour of her neighborhood in lower Manhattan! Head downtown and hang out with the locals – it's where you'll get the most bang for your buck on some of the best food you'll taste in this incredible city. From a delicious and inexpensive English breakfast to affordable accommodations, Rach has you covered for your next trip to the Big Apple! Check out the video above to hear about Rach's favorite spots!
Daym Drops Reviews NYC's Most Secret Restaurants


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Healthy Holidays to You
It is common to see an increase of illness during the winter months, and this year is no exception. The cold weather brings everyone indoors, keeping them in close contact with each other. People are traveling, taking germs with them when they go and—unfortunately—bringing new ones back to share with friends & family.
Cascade County is currently experiencing an uptick in illness, including influenza, norovirus, and RSV (respiratory syncytial virus, a common virus that can be serious for infants and immunocompromised adults).
All these illnesses have different symptoms but can be largely prevented in the same ways. To stay healthy and prevent work or school absenteeism throughout our community, remember to take these steps:
- Wash your hands frequently with soap and warm water (an alcohol-based hand sanitizer works if soap and water is not readily available).
- Completely cover your coughs and sneezes.
- Set a routine to clean & disinfect frequently used surfaces and objects, like telephones and doorknobs. This is especially important after an episode of illness. Clean and disinfect contaminated surfaces and remove and wash any clothing or linens that may be contaminated after an episode of illness.
- Don't prepare food if you are sick.
- Sick individuals should stay home and avoid close contact with others.
- The holiday season can lead to less rest and more stress, making you more likely to get sick. Allow yourself to take a break if you're feeling stressed, overwhelmed, or out of control, and manage stress with plenty of sleep and by connecting with people who support you.
- Eat enough fruits, vegetables, and healthy fats. Those antioxidants support your immune system!
- Go to the doctor if you or your child are experiencing prolonged or severe symptoms.
One additional weapon available against illnesses like influenza is vaccination. The City-County Health Department has immunization experts on hand to give flu shots and teach you more about preventing illness.
"We are committed to helping ensure the continued health of our residents and are working hard to contact anyone who could have been exposed to illness so that they can be tested and treated, as appropriate," says Trisha Gardner, Health Officer for CCHD. She adds, "We are grateful for the continued help and support of our partners and the community as we all work together to stop the spread of these illnesses."
Please contact the Cascade City-County Health Department at 406-454-6950 with any questions or comments.


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"I consider this activity to be a milestone event for IMO where we continue to build and strengthen the foundation for capacity building by growing the pool of trainers around the world. It shows the commitment of IMO to respond to the needs of our member States to support effective implementation of the international regulations on energy efficiency for ships," commented Dr Stefan Micallef, Director of IMO's Marine Environment Division.
A global Train-the-Trainer workshop on energy efficiency has been delivered in China (23-27 May), preparing the personnel needed to cascade knowledge on energy efficiency for ships and related efforts for mitigation of greenhouse gas emissions from international shipping.
The five-day intensive course was organized by the International Maritime Organization (IMO), within the framework of the Global Maritime Energy Efficiency Partnerships (GloMEEP) Project. The workshop was co-hosted by the China Maritime Safety Administration (China MSA) and Dalian Maritime University (DMU). The GloMEEP Project aims to support increased uptake and implementation of energy-efficiency measures for shipping. China is one of the ten Lead Pilot Countries implementing the GloMEEP Project.
The 30 participants on the course (including two from each GloMEEP Lead Pilot Country and ten further national participants from China) have undergone training in the art and techniques of knowledge transfer in a class room environment, particularly aimed at adult learners, alongside comprehensive technical training on energy efficient ship operation and the regulatory requirements.
Welcoming the trainers on the course, Dr. Jose Matheickal, Head of Integrated Technical Cooperation Programme Implementation and Major Projects, Marine Environment Division, IMO, referred to the challenges set by the Paris Climate Change Agreement to reduce greenhouse gas emissions and recalled that IMO has adopted mandatory energy-efficiency measures under Annex VI of the International Convention for the Prevention of Pollution from Ships (MARPOL). These regulations made mandatory the Energy Efficiency Design Index (EEDI) for certain types of new ships, and the Ship Energy Efficiency Management Plan (SEEMP) for all ships.
"We have a long way to go and the road ahead is challenging for many developing countries who may not have the necessary capacity to implement and enforce these measures. To increase the impact of these measures and to ensure that no one is left behind, we need to enhance the capacity in all countries in all aspects of implementation of MARPOL Annex VI. We need the capable trainers, such as you, who have been handpicked by your Governments to be the trainers of the future; we need universities such as Dalian Maritime University to sustain the momentum created through such activities by incorporating such training in their regular curriculum; we need students such as you who will get trained and use this information in your future maritime careers and to contribute to the efforts by sharing the knowledge to make informed choices and the right decisions. Collectively we can train the world so that collectively we can ensure the future of our planet," Dr Matheickal said.
"I consider this activity to be a milestone event for IMO where we continue to build and strengthen the foundation for capacity building by growing the pool of trainers around the world. It shows the commitment of IMO to respond to the needs of our member States to support effective implementation of the international regulations on energy efficiency for ships," commented Dr Stefan Micallef, Director of IMO's Marine Environment Division.
The workshop was facilitated by international and national experts on ships' energy efficiency and was coordinated by the Project Coordination Unit of GloMEEP, led by Ms Astrid Dispert, Technical Adviser to the GloMEEP Project.
Photos can be downloaded here.
GloMEEP GloMEEP is a GEF-UNDP-IMO project aimed at supporting the uptake and implementation of energy efficiency measures for shipping, thereby reducing greenhouse gas emissions from shipping. It supports ten Lead Pilot Countries of the project to implement the IMO-adopted measures, through:
The Lead Pilot Countries (LPCs) of the GloMEEP Project are: Argentina, China, Georgia, India, Jamaica, Malaysia, Morocco, Panama, Philippines and South Africa. Further information on GloMEEP can be found here.
The IMO Train the Trainer Course on Energy Efficient Ship Operation can be downloaded here. The six modules cover:
IMO – the International Maritime Organization – is the United Nations specialized agency with responsibility for the safety and security of shipping and the prevention of marine pollution by ships.
Web site: www.imo.org
Photo collection:
Flickr: http://www.flickr.com/photos/imo-un/collections
Join us on our social media sites:
Facebook: http://www.facebook.com/imohq
Twitter: http://twitter.com/imohq you can also find us: @imohq
YouTube: http://www.youtube.com/user/IMOHQ
For further information please contact:Lee Adamson, Head, Public Information Services on 020 7587 3153 (firstname.lastname@example.com)Natasha Brown, Media and Communications Officer on 020 7587 3274 (firstname.lastname@example.com).