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The Vera Z. Dwyer College of Health Sciences academic advising staff provides academic advising services to students in a professional, collaborative and ethical manner. Academic advising is a collaborative process in which the student and advisor work together to set goals for your academic life.
Academic advisors are the best resource to guide your toward earning a degree. They are here to assist you with:
- Making progress toward degree completion
- Assisting with clinical program applications
- Understanding how to use university academic planning tools
- Scheduling classes
- Understanding policies and procedures
- Navigating university resources
Advisors share important information and advice related to your studies and overall student experience. You should plan on meeting with an academic advisor at least once per semester to review your academic progress. Advising appointments are a great opportunity to have someone listen to your concerns, celebrate your accomplishments and answer your questions.


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Via Zerohedge…
Outspoken conservative actor James Woods was suspended from posting to Twitter over a two-month-old satirical meme which very clearly parodies a Democratic advertisement campaign. While the actor's tweets are still visible, he is unable to post new content.
The offending tweet from July 20, features three millennial-aged men with "nu-male smiles" and text that reads "We're making a Woman's Vote Worth more by staying home." Above it, Woods writes "Pretty scary that there is a distinct possibility this could be real. Not likely, but in this day and age of absolute liberal insanity, it is at least possible."
According to screenshots provided by an associate of Woods', Twitter directed the actor to delete the post on the grounds that it contained "text and imagery that has the potential to be misleading in a way that could impact an election."
In other words, James Woods, who has approximately 1.72 million followers, was suspended because liberals who don't identify as women might actually take the meme seriously and not vote.
In a statement released through associate Sara Miller, Woods said "You are a coward, @Jack," referring to Twitter CEO Jack Dorsey. "There is no free speech for Conservatives on @Twitter.
Hey guys, @Twitter has locked @RealJamesWoods' account.
His statement: "You are a coward, @jack. There is no free speech for Conservatives on @Twitter."#JamesWoods pic.twitter.com/zGVOnxP0D6
— Sara Miller (@Millerita) September 21, 2018
Earlier this month, Woods opined on the mass-platform ban of Alex Jones, tweeting: ""I've never read Alex Jones nor watched any of his video presence on the internet. A friend told me he was an extremist. Believe me that I know nothing about him. That said, I think banning him from the internet is a slippery slope. This is the beginning of real fascism. Trust me."
I've never read Alex Jones nor watched any of his video presence on the internet. A friend told me he was an extremist. Believe me that I know nothing about him. That said, I think banning him from the internet is a slippery slope. This is the beginning of real fascism. Trust me.
— James Woods (@RealJamesWoods) September 9, 2018
Nothing whatsoever happened to Peter Fonda after he tweeted his desire to see Barron Trump locked in a cage with pedos, whereas James Woods was locked out for sharing a satirical meme. That's bias.
There's bias and double standards every single day.
To claim there isn't is BS.
— Paul Joseph Watson (@PrisonPlanet) September 22, 2018
Nu-males everywhere non-threateningly smirk at Woods' bad fortune…
The statements, views and opinions expressed in this column are solely those of the author and do not necessarily represent those of The Duran.

subset: commoncrawl


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Almost Not a Noob
Original poster
- Apr 17, 2010
- 402
- 124
The next Silent Hill will most likely be on the next-gen consoles. IT BETTER BE EPIC because chances are if it's not, that's all she wrote for the series. No more adventure games with with Silent Hill name! SURVIVAL-HORROR is what Silent Hill is. The technology is there to make the game great regarding these next-gen consoles. As I stated before it starts with an announcement...LET'S GO!!!


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Austin, TX, USA
Category: Educationwww.betterup.co
BetterUp is a People Experience Platform for human and organizational behavior change through professional coaching, immersive learning and insights designed for everyone within an organization. BetterUp uses the latest research across the behavioral sciences to create the world's most effective approach to organizational transformation. We help employees at all levels of an organization develop skills like resiliency, growth mindset, creativity and empathy, which can mean the difference between a business that booms and a business that bombs.
"BetterUp's platform is designed to help people see and reach their potential," says Adam Grant, renowned organizational psychologist, best-selling author and member of BetterUp's Science Board. "People are the heart of every workplace, and making them better makes the organization better."
More than $200 billion is spent annually on learning & development, but only 10% of it is effective because so much of the learning is quickly forgotten or doesn't transfer to the workplace. With BetterUp, clients have seen results including a 26% jump in job performance, a 25% increase in focus and a 15% reduction in burnout. Employee intent to stay with one organization increased by over 63% with BetterUp coaching.
We're Science-Based. Our Whole Person Approach is what's missing in leadership development today. Our evidence- based assessments and machine learning help match your people with world-class coaches and personalized development strategies. Your competencies, values, and culture shape the employee experience.
We're Personalized. We are the pioneers of mobile-based coaching that allows for personalized 1:1 coaching support, available on demand 24/7 with a dedicated world-class coach that helps employees develop their skills in the flow of work, rather than in a traditional classroom setting — which has been proven to be ineffective at creating meaningful and lasting behavior change.
We're Proven. We've earned the trust of Fortune 500 companies by connecting personal transformation to tangible business outcomes and ROI.


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A wise man once said, "Hey, invest in crypto." That was in 2016, and now that's pretty terrible advice.
… Or is it? It seems like every day a new kind of cryptocurrency pops up, with promises of it being the next great thing. Facebook is the latest tech giant to announce it's unveiling a cryptocurrency to call its very own.
The idea for Facebook was kinda-sorta stolen from the Winklevoss twins…who recently released a digital currency exchange called Gemini.
In what is a hilarious coincidence, a planned occurrence, or a solid bit of sass on Zuckerberg's part, the new coin will be called Libra. Why is this so funny? Well, let's take a little walk down memory lane. As is common knowledge (in case you forgot, a whole movie was made about it), the idea for Facebook was kinda-sorta stolen from the Winklevoss twins…who recently released a digital currency exchange called Gemini. Seems like Mark may be back at it with his (allegedly) sticky fingers.
Expected to drop in 2020, Libra is an attempt by Facebook to create a faster, easier, better global currency. They're working on making the use of Libra as frictionless and easily adaptable as possible. According to David Marcus, the head of Calibra (Libra's governing organization, also the name of Libra's wallet), their goal is to have the structure, technology, and ability to support usage by billions of people.
Sounds ambitious, sure, but could all 27-ish of Libra's backers, some of the most well-known companies in the world, really go so wrong?
Finally, crypto with real value.
Some hype surrounding Libra focuses on how, unlike other coins like Bitcoin and Ether, Libra's value is tied to a reserve made up of funds (actual, real money…or fiat currency, if you're feeling fancy) from investors and users, meaning its value is less likely to fluctuate greatly. As anyone who invested in Bitcoin at its height only to lose money knows, traditional cryptocurrencies are incredibly volatile.
Cryptocurrencies' worth has, until this point, been a bit like how cool you were in high school. Going back to the 10th grade, you were only as cool as people believed you were. Your coolness wasn't truly tied to anything, and some were just cool while others weren't. Libra's like that kid who whose dad showed up and took the entire class to a Metallica concert.
Libra's got the money in the bank, literally, to back up its worth.
That kid was definitely cool and for a very clear and specific reason: Libra's got the money in the bank, literally, to back up its worth.
Value preservation is the name of the game here. On Libra's website it states:
Just as consumers in Europe know the number of Euros it takes them to buy a coffee today will be similar to the number of Euros it will take them tomorrow, holders of Libra, too, can be confident the value of their coins today will be relatively stable across time.
In other words, while you probably won't become an overnight millionaire by getting in early on Libra, you also aren't likely to lose everything because of a dip.
Does it play well with others?
Libra is built on the same blockchain technology as all cryptocurrencies. Interestingly, however, there is some debate as to whether Libra truly is a cryptocurrency by definition. While coins like Bitcoin are hallmarked by their anonymity, openness, and decentralized nature, skeptics are quick to point out Libra doesn't share these traits.
It will be managed by Calibra, which will be controlled by Facebook and investors.
Since it will be managed by Calibra, which will be controlled by Facebook and investors (ahem, large corporations with lots of money and power), the concept of decentralization doesn't seem to be a priority.
There is definitely an argument to be made that Libra is more of a standard currency than a cryptocurrency. It differs from traditional crypto in many ways, from its reserve to its management, and it's clear Facebook has plans to do big, not-typically-crypto things with it.
Bad press
While there's a lot of hype about this new cryptocurrency, it definitely has its skeptics.
Set up for failure
David Black, a fintech contributor for Forbes, writes about his concerns, stating:
[Libra is] brand new, and it's supposed to work flawlessly keeping track of financial assets from day one. The chances it will perform without flaws from the beginning are essentially nil … Facebook, like the other internet giants, is incapable of building code that works, even after extensive testing and use by millions of users.
He believes this alone will set Libra up for failure, even referring to it as "Lie-bra" at one point.
What anonymity?
Other nay-sayers are concerned about true anonymity since Facebook doesn't exactly have the best track recordhref when it comes to keeping private data private. With security and anonymity being a huge draw for crypto users when promises of such are coming from a source with unclear reliability, there's bound to be a fair amount of justified skepticism.
No real benefit
A third and major red flag of Libra is how there seems to be no real benefit to your average, law-abiding citizen to use it and its wallet, Calibra, over traditional banking options. Libra's value is tied to actual fiat currencies, so if Libra's value goes up, it's probably because the dollar, the euro, or both went up as well. There's no real investment potential there. Libra coins (what is the plural of Libra? "Libras"? "Multiple Libra"?) aren't insured in any way like money in the actual bank is, so there's no security advantage from the perspective of asset protection.
Potential security issues
It seems one of the few advantages of Libra that traditional banking doesn't offer is the ability to sign up for and use it without any of the traditional trappings of opening a bank account. This includes bypassing security measures including fraud and scam detection.
Who would that benefit? Potentially some pretty shady people. Facebook's stance on this is that Libra and its freedom of use will level the playing field for people like those in developing countries, who may not have equal access to banking or even the global economy.
While equality is an incredibly important goal and one almost everyone will agree on, it's also important to acknowledge the risks of an open system like a for-everyone, anonymous, so-easily-accessible cryptocurrency.
Let's sum up
At the end of the day, we'll have to wait and see what Facebook has in store for the world with Libra. Will this be the way to finally revolutionize the way we all see, access, and handle money in our global economy, or will it turn out to be a big ploy to get more control over our data by the big, bad Facebook machine?
Only time will tell. In the meantime, we're all on the edge of our seats.


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Indiana governor has 'confidence' in ISTEP report despite alterations
Documents show official helped shape 'independent' report
Indiana Gov. Mike Pence said Wednesday he has "confidence in the integrity" of his State Board of Education despite an Associated Press review of documents that showed a top education official made significant alterations to a report that detailed a so-called independent investigation into the troubled and unpopular standardized ISTEP+ exam for students.
"I haven't seen the memorandum. I didn't see the recommended changes," the Republican governor said, before adding that he has "every confidence in the integrity of our team, the integrity of the members and the staff of the State Board of Education."
A Microsoft Word file obtained through a public records request shows that the report included edits and suggested changes made by State Board of Education executive director John Snethen, who was hired his $107,000-a-year post by the Pence-controlled board. The changes, which two outside consultants who were paid to conduct the investigation agreed to, altered language that had reflected poorly on Republicans' decision to adopt the exam after lawmakers dropped national Common Core academic standards.
While Pence sought to downplay the findings, Democrats seized on them.
"Students, parents and teachers deserve the unvarnished truth not more politics, scandals and cover-up," said former Democratic House Speaker John Gregg, who is running against Pence in the November election. "This latest news is disturbing, disappointing and reminds us that Mike Pence always seems to place his ideology and political agenda ahead of the best interest of the state."
Indianapolis Democratic Rep. Ed Delaney said the revamped 2015 exam was hastily rolled out and troubled from the beginning. That's because Republicans who dropped the national benchmarks for math and English were "driven by ideology because someone claimed Common Core was President (Barack) Obama's idea and it had to be dumped at all costs," he said.
But Pence said the findings of the investigation, which have not been released to the public, will play an important role as the state rethinks how student learning is assessed.
"Look, we're working through a framework in this session of the General Assembly to really reconsider the ISTEP test and to take a step back and think about ways we can do testing better," Pence said.
Educators initially balked at the ISTEP+ test, which features Indiana-specific academic standards, saying it would take 12 hours to complete; the GOP-controlled Legislature shortened the exam. After that, some students who took it online reported computer glitches, which were found to have an impact on their performance.
The documents obtained by AP show Snethen helped shape the content of the report. For example, Snethen objected to strong language in an early version that stated: "It is safe to say that the 2015 ISTEP+ program is a work in progress, put in place quickly and without the usual procedures (e.g., field testing) used with most new assessment programs."
"Why is it safe to say this?" Snethen asked in notes typed into the draft, adding: "This is an example of a statement that could raise concern." The phrase was not included in the final version of the report.
Report co-author Derek Briggs, who's a University of Colorado professor, confirmed Tuesday that state officials were concerned about "messaging." Snethen viewed the first version of the report as one that had a "glass half-empty perspective," and wanted it to show that the glass was "half full," Briggs said.
But Board of Education spokesman Marc Lotter said the edits didn't impact the ultimate conclusion, which was that the test was a mostly reliable measure of student performance.
"Given the numerous errors and problems that have been faced with the ISTEP, we knew there would be a lot of interest in this report," Lotter said. "We needed to make sure there was something there that would be easily understood."
He also disputed the suggestion that edits were made to make Pence look better, pointing to several deleted lines that were also critical of Democratic state schools Superintendent Glenda Ritz, who has frequently clashed with Pence over education policy.


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This intricate yet exquisitely simple Iwona Ludyga silver tiny skull ring with white diamond eyes is the epitome of style and elegance. The tiny silver skull with it's diamond eyes measures approximately 4 mm long.
Ring Size: 5 (US) J1/2 (UK)
Circumference: 49mm
Product code: SSKR
If a size or colour is 'Sold Out' contact us with your request and we will place an order.
Related products


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About Us
GreenSea Group has strategically positioned itself to be the most relevant cannabis consulting firms. We work with and advise our clients to help them make better decisions, convert those decisions to actions and deliver the sustainable and realistic success they desire. With over 100 years of combined experience in cannabis and hemp market research, sales, marketing, distribution and data collection, we are passionate about achieving the best results for our clients—results that go beyond financial and are uniquely tailored, pragmatic, holistic and enduring. The market experience we bring to the table will allow you better insight into your market, giving your company the edge over the competition.
We advise our clients on their most critical issues and opportunities: strategy, marketing, organization, operations, information technology, digital transformation and strategy, analytics, industry future and growth, sustainability, compliance, standard operating procedures, best practices and so much more across the cannabis and hemp industries and geographies. Our approach to consulting, based on our hands on experience and history in the nascent cannabis industry, helps clients measure and manage risk and overcome the odds to realize results.
It feels different to work with us.
By working with some of the most influential cannabis companies, and many more smaller mom & pop companies in and out of Oregon, GreenSea Group has built its reputation on performance, due diligence and success the old fashioned way, we earned it.
Our "one team" attitude breaks down barriers and helps us effectively engage.
The GreenSea Group is equally at home working in any aspect of the cannabis Industry.
GreenSea Group understands the power of community, and the needs for interaction.


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Local Social Network for the Arts Community in Central Valley
Face and Body Painting has become very popular, not only at childen's parties but as an art form using the human body as a canvas.
Website: http://AUDREYRAWLINGSARENA.COM
Location: Fresno
Members: 24
Latest Activity: Jan 10, 2015
Alot of artists (like me) are really shy and introverted. If you are blessed with more outgoing friends it can be a real help. Bill and Mary Redondo and even their kids add fun to what can be very…Continue
Tags: body painting, face painting
Started by AUDREY RAWLINGS ARENA Dec 3, 2010.
© 2020 Created by Victor Ramayrat. Powered by


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CERL Internship and Placement Grant
CERL INTERNSHIP and PLACEMENT GRANTS
Annually, CERL offers up to three Internship and Placement Grants, to the value of 1,000 Euros each, to allow qualified librarians and scholars to work on CERL projects in CERL libraries, or in CERL offices, and to be trained on CERL databases, generally for a period of one month.
In particular, CERL is looking to support people new to the profession, whether in librarianship or in academia, and to facilitate international mobility.
CERL member libraries propose projects suitable to the CERL Grant. Applicants may apply to these, or suggest a different proposal in agreement with another host library, which must itself be a member of CERL. The internship should normally take place within the period January-September.
Information on the 2020 internships offered by member libraries is available here - the deadline for sending in applications is 21 January 2020.
A grant can only be assigned once to the same person. Applications not selected but positively vetted will be notified that they can be put in again for the next round.
A written report for the CERL webpage and Newsletter, and/or a presentation in person will be expected at the end of the internship/placement.
Your application should include a CV (maximum two pages) and a covering letter. This should outline preference of destination, preference of research project, or collections to work on, your suitability for the internship, your reasons for the application, and the name of one referee who can be contacted by CERL.
If the applicant is employed by an institution, the consent of the institution should be included.
The CERL Grant Committee is very pleased to announce the conferment of five CERL Grants:
1) To catalogue the collection of incunabula at the University Library of Cambridge to Marianna Morreale, with a degree in Archival and Library Studies from the University of Rome, Italy, a Master in Museology and Cultural Heritage Management from the Catholic University of Milan, and internship experience ("Torno subito" from Regione Lazio) working on the digital provenance archive at the Marciana National Library, Venice.
2-3) To catalogue the collection of incunabula at the Huntington Library, San Marino to Martyna Grzesiak, a DPhil Student in Italian and Book History at the University of Oxford who is working on the distribution and use of the Bibles printed in Italian in the fifteenth century, and to Maria José Rucio Zamorano, Head of the Manuscripts and Incunabula Department of the National Library of Spain, Madrid, with expertise in Iberian incunabula. As Ms Rucio Zamorano was unable to go to the US, the grant was offered to Elena Fogolin, a graduate of the University of Udine with an Erasmus + at the Gutenberg Museum of Mainz.
4) To catalogue the collection of incunabula at the Beinecke Library, Yale, to Niamh Delaney, Assistant Librarian in the Special Collections Department of the University of Liverpool, with degrees from the University of Glasgow and St Andrews and a Master in Library and Information Studies from University College, London.
5) To work on CERL's PDA in The Hague (Digital Humanities Grant) to Fabiano Cataldo de Azevedo, Professor of the Universidade Federal do Estado do Rio de Janeiro (UNIRIO), where is part of the School of Librarianship and teaches History of the Book and Libraries. A member of IFLA's Rare Books and Special Collection Section, initially as a Corresponding Member (2014-2015) and later as a member of the Standing Committee (2015-2019). As Prof. Cataldo was unable to go to The Hague the grant was offered to Lucrezia Signorello, a graduate of Rome La Sapienza University with working experience at ICCU and other Rome libraries.
The Huntington and Cambridge offered matching funds to secure longer internships.
The Beinecke offered a full grant and also invited last year's grantees, Beatrice Alai and James Missons, to spend another period working with their incunabula collections.
We received 27 applications from Brazil (1), Hungary (2), Lithuania (2), Italy (15), Spain (2), UK (4), Poland (1). 4 Male and 23 female. 8 librarians or library trainees, 19 early career scholars or students.
25 February 2018: The CERL Grant Committee is very pleased to announce the conferment of four CERL Grants:
1) To catalogue the collection of incunabula at Cambridge University Library to Ester Peric, a Master student in Italian Philology and Book History from the University of Udine, Italy, with experience in archival documents and an Erasmus + in Manchester spent cataloguing incunabula at the John Rylands University Library. Peric gained a place in the four-year Doctorate programme 'Testi, Tradizioni e Culture del Libro. Studi italiani e romanzi' at the University of Naples (coord. Prof. Andrea Mazzucchi), starting Nov. 2019.
2) To catalogue the collection of incunabula at Edinburgh National Library to Krisztina Rábai, Assistant Professor in Medieval and Book History at the University of Szeged, Hungary, with experience in monastic library collections.
3) To catalogue the collection of incunabula at the Beinecke Library in Yale to Beatrice Alai, from Cesena, Italy, with degrees in History of Art and Palaeography from the University of Florence and Padua and currently on a postdoctoral fellowship in Berlin to work on the incunabula collection of the Kupferstichkabinett in Berlin.
4) To James Misson, a DPhil student in English Literature from the University of Oxford, with experience in English Palaeography and in cataloguing in MEI incunabula from Oxford colleges.
The three hosting libraries offered matching funds to secure a longer internship. A report of their activities is available here.
25 applications were received from Australia (1), Austria (1), Canada (1), Hungary (1), Italy (12, 4 of which living abroad), Japan (1), Spain (1), Netherlands (3), New Zeland (1), UK (1), US (1), Poland (1).
8 Male and 17 female. 11 librarians or library trainees or students, 14 early career scholars.
1 May 2017, three Interns started work on enriching MEI entries for the incunables held at the Koninklijke Bibliotheek, the National Library of the Netherlands, in The Hague:
- Ruben Celani (Italy)
- Judit Kolumban (Romania)
- Maria O'Shea (Ireland)
The KB was able to offer a Gerard van Thienen Grant to Lauren Leenders (the Netherlands), to strengthen the team. The team was supervised by Dr Marieke van Delft, Curator Early Printed Collections, KB The Hague.
A report of their activities is available here.
CERL received 21 applications.
A grant was awarded to Francesca Rocchi, a graduate in Latin Palaeography of La Sapienza University, Rome, with previous internship experience at the Biblioteca Casanatense in Rome, to work within the Special Collections Department of the Bodleian Library, Oxford. A report of her activities is available here.
A grant was awarded to Thomas Theyssens, a graduate in Early Modern History from the University of Louvain, with a Master in Heritage Management in Libraries from the University of Antwerp, to work within the Printed Heritage Collections Department of the British Library, London. A report of his activities is available here.
More information about the 2015 awards is available here.
2014 - Angéline Rais - Cataloguing the incunabula collection of Lambeth Palace Library in the Material Evidence in Incunabula (MEI) database.
Image from: Model Governance


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DOUGLAS SMITH | Writing the Fantastic
I just posted a couple of updates to the Foreign Market List, most notably a change in the pay rate and planned closure for the Dutch mag / anthology, Pure Fantasy.
If you know of any updates to any foreign language speculative fiction market, please send me a note here.
I just posted some additional updates to my Foreign Market List.
I've posted a bunch of updates to my Foreign Market List, so check them out if you're a writer interested in submitting to foreign language (i.e., non-English) short fiction markets.
My novelette "Scream Angel," which won the Aurora Award in 2004 for best short fiction, has been selected for the annual FantAstika 2010-2011 Almanac by the Human Library Foundation in Bulgaria. "Scream Angel" was first published in Bulgarian in the magazine,Terra Fantastika, in 2005 (see cover at left).
The story will be one of twelve stories included in the almanac, along with about thirty pieces of non-fiction. The FantAstika Almanac is "an annual 400-page publication dedicated to interesting (and possibly human-evolving) events in SF, mostly in Bulgaria but also around the world." The anthology will be published in both print and ebook formats.
This marks the fourteenth sale for "Scream Angel" and its eleventh translation.
The 2010 edition of the SFWA Handbook ("The Business Side of of Writing, By Writers, For Writers") has now been published, containing my updated article on "Selling to Foreign Language Markets." The article contains the same information that I maintain here on my website, outlining my recommended approach for reselling your short fiction to non-English language markets around the world. My approach, of course, leverages the Foreign-language Market List (FML) that I maintain here as well. SFWA, for those who don't know, is the Science Fiction & Fantasy Writers of America, an organization that aims at supporting professional SF&F writers. Despite the name, its membership includes writers outside of the US. SFWA membership criteria include at least two sales to professional markets that meet SFWA criteria.
© Douglas Smith | Contact Doug by email


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Country of Origin: France
"Suns out, Guns out!"
Make the enemy surrender, when you point your GUNS at them with this interesting quirky piece of French kit. Manufactured by FESCA in Spain for the French Army, this piece of kit is popular with French soldiers in hotter climates, and has become particularly popular with the French Foreign Legion in their African operations. It features the French Army standard Central Camouflage Europe (CCE) which was first adopted in 1991 to replace older F2 and TAP47 stocks.
Features an ultra low cut v-neck, an apron-cut side, and a sturdy poly-cotton construction, this piece of kit makes a good piece of operational kit in hotter climates, whether you're on the rugby field, grilling some steak, or rocking a plate carrier. It could even work as a cheap piece to be worn, or reworked, for the fashionista in your life!
All prices are in Canadian Dollars (CAD). We ship internationally!
Sizing Guide
Note: This item is in "Military Surplus Condition." Please refer to our Shipping and Returns Policy for more details
Select a row below to filter reviews.


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World fertilizer demand to rise 3%
Jan. 9, 2012
World demand for fertilizers will rise again this season to hit a new record level, driven by growth in emerging economies and strong fundamentals in agricultural markets, the International Fertilizer Industry Association (IFA) said on Thursday.
Fertilizer demand, expressed as consumption of key nutrients nitrogen, phosphorous and potassium, should rise 3 percent to 178.2 million tonnes in 2011/12, the IFA said in a summary of a market outlook.
"Responding to attractive agricultural prices, world fertilizer demand is anticipated to rise steadily in 2011/12," it said.
Overall demand growth this season will include a 3.1 percent rise for nitrogen to 107.7 million tonnes, a 1.0 percent increase for phosphorous to 41.1 million tonnes and a 5.7 percent rise for potassium to 29.4 million tonnes, the IFA said.
The projected demand for 2011/12 will surpass an already record level of 173 million tonnes estimated for 2010/11, when an economic rebound and tight commodity markets drove a 6.2 percent rise in fertilizer consumption, the IFA said.
Of the three main nutrients, last year's demand for potassium still lagged levels it had reached before 2008/09.
"By the end of the 2011/12 campaign, world fertilizer demand is expected to have fully recovered from the (2008/09) economic downturn for the three macronutrients," IFA said.
All regions will see growth in total fertilizer demand except for Western and Central Europe, with the largest increases in East Asia, South Asia and Latin America, it said.
It tentatively forecast that world consumption of fertilizers would grow 2.3 percent in 2012/13 but said the outlook was dependent on a deteriorating context in mature economies.
On the supply side, production capacity expanded in 2011 and should grow again in 2012 as new projects come on stream in response to rising demand, it said.
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T.R.O.Y wrote:I made the same point three days ago, it's perfectly valid.
You haven't been stewing over it for the last three days though.
(nor being deliberately selective in posting only negative news on Brexit).
That's a whole different thing.
For what it is worth I posted a link to the video below way back in July last year on this very thread (post No58) which basically comes to the same conclusion - that Brexit will happen but with a longer roll out to minimise the risk to the economy.
Seems to me the video reasoning is still sound and on track - despite the last six months of selective 'doom and gloom' Wanderlust world economy updates he's constantly been giving us - no matter how far from reality they are!


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The Journey Changes You!
Our Clinkees come from all walks of life from artists to adventurers, city-dwellers to culture-junkies, all with a story (or two) to share! We love meeting and working with passionate people and embrace individuality. The interests and backgrounds of our Clinkees is wide-ranging, but what we all have in common is a genuine love of travel and sharing those experiences and stories with our guests who are on their own travel journey. We live by our values and are brave, passionate, dedicated and in-tune with what's going on around us, we are the difference to our guests stay.
Being part of our Clinkee Family comes with many benefits, as part of a growing company, you may start as a Host in Amsterdam and end up as a Team Leader in Lisbon then an Assistant Manager in London, anyone who joins us has an opportunity to grow their knowledge, skills and their career through our different training platforms and feedback. We have great perks such as social events throughout the year, birthday & anniversary celebrations, Clinkee of the Month Awards and much more but most importantly, what we have is a great team of Clinkees who continue to grow our culture of creativity, inclusion, individualism and fun!
If you would like to join us on our journey, whether it's part of your own career journey or wanting to make a difference to our guests' travel journey, check out our open job listings below, we are currently located in London & Amsterdam with exciting future European openings in the pipeline. We may not have the right job for you now, but we are happy for you to send us your CV with all your information to [email protected]
We are an equal opportunities employer. Under GDPR all unsuccessful applicants' information will be removed from the system within one month and will not be passed to any third parties


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Property is fundamental to most clients. Not only does a property provide a home but also a method of securing borrowings for personal and business purposes. It is often important for clients to protect their property against business and relationship risks while still feeling in control. +
Many of our clients are business people with a variety of legal requirements. They require prompt and practical advice. Often a well timed phone call can avoid a messy and expensive occuring later. Also business people are now coming under greater legal threat and scrutiny and need to be aware of the right ways to reduce their liablity. +
Relationships come in many forms whether personal, business of family. Knowing your rights and protecting yourself where required has become more important with changing laws. Because realationship property laws now apply to de facto and civil union couples, this can create additional pressures on couples that did not exist before. +
Trusts are flexible arrangements that are used by people to protect their assets for the benefit of their families and themselves. They can be beneficial in many situations, including business, relationships and general estate planning. +


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Where the Clotheshorses Roam
Sifting the internet for clothing sales is a maddening process you inexorably give up on to browse girl-on-beast up-skirts. Eliminate the guesswork with California-based designer clearinghouse, CoolestShop.com. What CS lacks in domain name creativity, they more than make up for in variety and unending frequency of clothing sales. Markdowns range from 30-70% off on button-downs, tees, pants, sneakers, sunglasses, blazers, hoodies, shorts, and belts (sorry lederhosen aficionados). They discount brands you've heard of (Puma, Penguin, Adidas) and ones you probably haven't (One True Saxon, Meltin' Pot) unless you're a Japanese skateboarder, or an aspiring Saxon. There's also a wide assortment of replica vintage concert t-shirts -- for those who refuse to embrace label whoredom, but don't mind being slavish groupies.To ensure security, all orders go through Yahoo stores -- and shipping is free on any purchase over $50. With online shopping this hassle-free, you'll have plenty of time to surf for things that actually bring you joy -- like videos of savage Latina catfights.


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Welcome to Live Code Mad website!
Here we will post the multimedia content we generate during our performances.
We are an artistic collective crazy about software libre and electronic music. We look for promoting electronic music and video animation using live coding techniques where music and visuals are generated by the code we program in live.


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How E-ZPass Works
- Order your E-ZPass
- Install your E-ZPass
- Be sure the windshield is clean on the inside near the rearview mirror
- Without removing the mounting strips from the tag, remove the tape backing
- Turn the tag label right side up facing you (so the arrows on the front of the tag are facing up), then adhere the tag inside your vehicle to the upper center portion of your windshield, behind the rearview mirror at least one inch to the right of the center support of the mirror and at least one inch below the edge of the windshield (or below the tinted section of glass)
- Use your E-ZPass
Drive through in any lane at normal speed – there's no slowing or stopping required. As your vehicle passes under the gantry, a radio transmitter inside your E-ZPass will communicate with sensors overhead, allowing the appropriate discounted toll to be automatically deducted from your account.
Where E-ZPass Works
As an E-ZPass customer of MTA Bridges & Tunnels, you can enjoy the convenience of using your E-ZPass for travel at all E-ZPass equipped facilities anywhere in the Northeastern USA, including the following participating agencies:
- Burlington County Bridge Commission
- Buffalo & Ft. Erie Public Bridge Authority
- Delaware Department of Transportation
- Delaware River & Bay Authority
- Delaware River Joint Toll Bridge Commission
- Delaware River Port Authority
- Garden State Parkway
- Illinois State Toll Highway Authority
- Indiana Toll Road
- Maine Turnpike Authority
- Maryland Transportation Authority
- Massachusetts Port Authority
- Massachusetts Turnpike Authority
- MTA Bridges and Tunnels (NY)
- New Hampshire Department of Transportation
- New Jersey Turnpike
- New York State Bridge Authority
- New York State Thruway Authority
- Niagara Falls Bridge Commission
- North Carolina Turnpike Authority
- Ohio Turnpike Commission
- Pennsylvania Turnpike
- Port Authority of New York & New Jersey
- Richmond Metropolitan Authority
- Rhode Island Turnpike and Bridge Authority
- Skyway Concession Company (Chicago)
- South Jersey Transportation Authority (Atlantic City Expressway)
- Virginia Department of Transportation
- West Virginia Parkways Authority
Quick Links


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This teapot has an elegant elegant shape and a soothing, earthy honey-brown glaze. The smooth, gleaming surface of the teapot may seem plain at first glance but this effect is more difficult to achieve than one might think. This teapot is by Tatsuhiro, who has fit the teapot with a clay ball strainer.
Tatsuhiro's signature is a punched-out design that resembles a tiny cluster of grapes with a stem that he fashions into all of his teapot lids. The design allows steam from the heated water/tea to escape while adding a clever design element to the teapot.
Please Note:
This is a handmade item – slight variations in the painting, colors, tooling, patterning and kiln effects of Chinese and Japanese tea wares are to be expected. We have carefully photographed this item as best as possible – please be aware that different device screens can render colors and subtle tones slightly differently.
Want to know more?
How to Clean a Tokoname Teapot


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Tips of Purchasing Kratom Online
It is prudent to state that a person will succeed to have the right kratom online by considering a number of factors.Important to know about kratom is that it is used to relieve users mental, psychological and physical pain.Important to know is that research is key in obtaining quality kratom for use.It is with the help of research that a person will succeed to collect important details which lead to buying of quality kratom online.Accurate details of kratom will be secured by the use of research.It is prudent therefore to devote time and money so that make research successful.A person will succeed to buy good kratom online by considering the tips which follow.
It is possible by knowing the needs that you have to get the right kratom online.The purpose of kratom is an important factor which can make a person to buy the right kratom online.The functions of kratom as medicine will relieve,anxiety ,pain and overcome depression.You need to correctly define the purpose of the kratom before buying it online.Important to recognize is that right kratom will help you to meet the medical effects that you want.
When buying kratom online, you should make sure that your supplier has a good reputation.It will be good therefore to devote sometime and analyze the reputation that kratom suppler has.You will increase the chances of a having kratom which will be good as medicine by buying it from trusted store.You will know the reputation of a store by checking its website so that to gather customers review.It is important to know is that customer experience in regard to the kratom bought will be known from the reviews.It is necessary to find that store that has been reviewed positive by the customers for having supplied quality kratom.
When buying kratom online, you should consider the price that you will be needed to pay.You will have to spend more money so that to succeed in having the right kratom.You are likely to spend different amount of money from one to another when buying kratom from different stores.You will increase the chances of having good kratom by determining how much money you have.Important to know is that by the help of price comparison, you will have an assurance of obtaining realatively cheap kratom.You will avoid financial challenges when kratom is bought should buy on is affordable.
It is important to know the different types of kratom available in the market.Important to know is that being informed of the many kratom in the market will help to choose the right one.It is important to know that after defining your needs, it will be easy to choose the right kratom.For instance, if you need kratom to offer energy, you should opt to buy Maeng Da Kratom.


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If you own a car in the UAE you have probably bought car insurance and swept it under the rug. Even though you might be getting a good night's sleep thinking your car is protected, are you convinced that your policy is the 'right one'?
Ensure that you get what you're paying for, by avoiding these six common mistakes.
You go with the cheapest option
Yes, legally you are good to go if your car has at least the minimum level of cover that is – third party insurance. But is this basic protection adequate to cover the costs should there be an accident? While it may pay for the damages to other parties, any damages to your car will be paid from your own pocket. The cheapest option does not give you the coverage you really need and costs you more in the long run.
You buy a very expensive policy
On the other hand, more is not always merrier, expensive does not always mean better. If your insurance costs weigh heavy, it's time you revisit them. If you drive less frequently or your car isn't worth much to you, cut down on your coverage. This can be achieved by doing away with the extra features in your policy that you don't think you would end up using.
[Related: How is your car insurance premium calculated?]
You don't compare your options
With tons of players in the market, you have plenty of providers to choose from, so why not hunt for a good deal? Do your research by comparing policies from multiple providers while keeping the coverage and cost the same for an apples-to-apples comparison. For e.g., on Souqalmal.com you can compare up to 15 insurance quotes in less than a minute and receive your policy within an hour.
And why pay full price when there's a discount waiting? Make sure you look out for such deals and discounts before committing.
Your deductible is too high/too low
Deductible is the amount that you pay before your insurance kicks in. The general rule of thumb is higher the deductible, lower the premium. The question is would you rather pay a higher premium or more money out of your pocket in the event of an accident? Do the math and choose an amount that you would be comfortable paying, not too high, not too low. Seek advice from an expert if need be.
[Related: Why your car insurance claim won't be accepted]
Your car's valuation is too high/too low
Most insurance providers will ask you for an estimated value of your car when applying for a policy. Always answer honestly or you risk getting the wrong coverage. The valuation of your car is also what will determine the right type of coverage for your car – comprehensive or third party. In case of a valuation too high, you end up with a more expensive policy with comprehensive features. On the other hand a valuation too low puts you at risk of high costs not covered by insurance.
You are buying insurance from the car dealer
If you just bought a brand new car from a local dealership, you might have already been offered a car insurance policy. Even though this may seem easy to grab, this is most likely from your automobile dealers' preferred insurance partner. Get a quote for a similar policy from a couple of other providers to ensure you are getting the right value.


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GBU-32 Weapon Delivery Accuracy Test Completes F-35 Lightning II Flight Test Milestone
An F-35B short take-off and vertical landing (STOVL) fighter aircraft successfully employed a Guided Bomb Unit-32 (GBU-32) Joint Direct Attack Munition (JDAM) weapon from the F-35B's internal weapons bay against a fixed ground test target on Dec. 6, completing a successful flight test and verification year for weapons integration.
The latest series of weapons tests was accomplished with Block 2B software. The GBU-32 JDAM is a 1,000 pound "smart" bomb with high accuracy, all-weather, autonomous, conventional bombing capability that is guided by a Global Positioning System (GPS)-aided Inertial Navigation System (INS) to its target upon separation from the jet.
The F-35B aircraft, BF-18, launched from the Air Force Flight Test Center here piloted by U.S. Marine Corps test pilot Lt. Col. Jon "Miles" Ohman. The F-35B separated the GBU-32 from its internal weapons bay above a restricted military precision impact test range in California's Mojave Desert. The GBU-32, released from an altitude of 25,000 feet, guided to a direct hit on its intended target of eight stacked cargo containers.
"This milestone completed the 2013 U.S. Government and Lockheed Martin integrated test force team commitment to perform a Weapon Delivery Accuracy test for each of the Block 2B software weapon types, which includes the AIM-120, GBU-12, and GBU-31/32," said J.D. McFarlan, vice president, F-35 Test & Verification at Lockheed Martin Aeronautics.
"The combined efforts of the government-industry team have led us to this final weapons event of 2013, and I couldn't be more proud of our team," said Charlie Wagner, F-35 Government Weapons Test Lead.
The test was a major milestone in the F-35 program for the Marine Corps' F-35 Initial Operational Capability (IOC) in 2015 (employing the 2B software), Air Force IOC in 2016 and Navy IOC in 2018. On Oct. 21, an F-35C Navy carrier variant (CV) at Patuxent River, Md., conducted its first weapons separation test; on Oct. 29, an F-35B U.S. Marine Corps variant short take-off and vertical landing (STOVL) jet successfully employed a Guided Bomb Unit-12 (GBU-12) Paveway II laser-guided weapon against a fixed ground tank test target, and on Oct. 31, an F-35A U.S. Air Force conventional takeoff and landing (CTOL) variant successfully launched an AIM-120 Advanced Medium Range Air-to-Air Missile (AMRAAM) against an aerial target.
The F-35 Lightning II is a 5th generation fighter, combining advanced stealth with fighter speed and agility, fully fused sensor information, network-enabled operations and advanced sustainment. Three distinct variants of the F-35 will replace the A-10 and F-16 for the U.S. Air Force, the F/A-18 for the U.S. Navy, the F/A-18 and AV-8B Harrier for the U.S. Marine Corps, and a variety of fighters for at least 10 other countries.


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Mum wants to feed kids their pets for Xmas because she's strapped for cash
"Should we avoid telling the kids and replace them when we are more financially stable - or be honest?"
Christmas is a seriously tough time financially for many families.
Endless presents for the kids, expensive trips to visit far-flung family members and we haven't even started on catering for the bazillions of unwanted dinner guests.
So we see where this Aussie mum was coming from when she asked a Facebook mums group if it would be "wrong" to eat the family's pets for Christmas dinner.
"We live on five acres and have loads of chickens, a goat, and a pet pig," Sophie said.
"Would it be wrong to cook them for Christmas? Not the goat, just two of the chickens and the pig?"
The mum went on to explain that the family has had a rough year financially meaning they don't have enough cash for Christmas dinner.
Want to join the family? Sign up to our Kidspot newsletter for more stories like this.
"I've maxed out my Afterpay account and our budget doesn't permit our usual big Christmas dinner," she said.
"How do I tell the kids we're eating their pets?"
That's when Sophie came up with the idea to kill the chickens and the pig instead.
Her main hesitation is what to tell the kids.
"Should we avoid telling the kids and replace them when we are more financially stable, or be honest and use this as a learning opportunity to teach them about finance and the food chain?" she asked.
Many members of the Facebook group believed it was exactly that – telling Sophie the experience would teach them that death is "part of life".
"We knew as kids that the lambs we ate used to be the ones we fed and played with at our uncle's farm," one user said.
"I think you should do what you have to if that's your option - then take it," another said.
"Kids who grow up on property tend to know about the circle of life and where their breakfast bacon comes from, so you're probably safe," one added.
Mum on why she charges family members for Christmas dinner
"My nana killed and cooked my mum's pet pig"
Some thought that eating the pets wasn't a bad option – but cautioned Sophie not to mention it to her kids.
"Not wrong at all - but I probably wouldn't tell the kids," one mum wrote.
Another mum agreed that it would be "too sad and not fair to tell the kids".
And turns out she had a pretty good reason for thinking that.
"My nana killed and cooked my mum's pet pig," the mum said.
"She is still upset about it at 63 years old."
"I can't believe what I just read!"
However, there were also plenty of people who were upset about the idea of beloved pets being eaten.
"I can't believe what I just read," one person said.
"Are they pets with names the children are attached to? If so, I wouldn't cook them," another wrote.
"I think I'd rather have a veggie Christmas than eat my pets," added another.
"I'd never eat a pet. How cruel to the kids losing a member of the family for one meal," one said.
Among the naysayers, some kindhearted people offered to help Sophie out financially so that the pets didn't have to be eaten.
"Please message me. I'd rather give you $20 to help buy some meat than for you to have to eat your pets," one person suggested.


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When Ally Bank and Bank of America settled with Fannie Mae and Freddie Mac several weeks ago on repurchase request claims made by the GSEs, there was speculation in the trade press that these settlements might pave the way for other big banks subject to similar repurchase requests from Uncle Freddie and Auntie Fannie to pay up. There was also talk (including by this blog's bloviator) that the settlement terms looked a wee bit generous to the banks. Well, Bank of America and Ally may have decided to "fold 'em," but Wells Fargo has decided to tell the GSEs that they can continue to "hold 'em." What's more, the creator of Stagecoach Island told the press that it doesn't think those settlements by its competitors were as generous as some of us might have thought. Wells Fargo said Wednesday that it won't follow Bank of America in reaching settlements with Fannie Mae or Freddie Mac on disputed mortgages sold to the mortgage financing giants. Wells Chief Financial Officer Howard Atkins said the settlements reached by its competitors may not be as generous as some perceived them to be. You can see the logic in Wells Fargo's "hang tough" attitude when you realize that the GSEs' demands for loan repurchases fell for the second consecutive quarter, and that all repurchase claims against Wells Fargo, including those from private investors and private mortgage insurers, are now down from an original face value of $3 billion to half that amount. Heck, if stiff-arming worked so well all the time for everyone, nobody would repurchase a dollar's worth of loans from the GSEs. If I were standing in Wells Fargo's shoes, I, too, might not think that the generous terms offered BofA were generous enough. I guess the next step is up to the GSEs. Do they want to press forward aggressively with lawsuits against Wells Fargo, on the basis that if it continues to thumb its nose at its beloved Uncle and Aunt, no member of the family will ever again give them an ounce of respect when they make a repurchase demand? Or, perhaps, do they want to "rethink" their outstanding repurchase requests and make Wells an even better offer than they made Ally or BofA, an offer even a hard case like Wells wouldn't refuse? 20% of remaining face? 10%? Throw in a snuggy with a picture of Franklin Raines on it? After all, when your only business is buying and securitizing loans, you don't want to terminally alienate the nation's top mortgage loan originator any more than you can afford to terminally alienate any of the other top six originators (including Bank of America and Ally) who, combined, originate over two-thirds of the mortgage loans in this country (such has been the consolidation in the mortgage loan business since the subprime meltdown). There's no doubt that by making all these repurchase demands against the big banks, the GSEs have fundamentally changed the quality of loan originations by the major loan originators. I mean, look at Citigroup. Three years after bad home loans helped trigger the recession and six weeks after the government cashed in the last of its $45 billion Citigroup investment, the New York-based bank is still selling mortgages that violate quality standards, according to an internal Freddie Mac review obtained by Bloomberg. Fifteen percent of the performing loans Citigroup sold to the government-owned mortgage-finance company in the second half of 2009 and the first half of 2010 had such flaws as missing appraisals or insurance documents or income miscalculations, according to the review of 375 mortgages. The target for defects should be about 5 percent, said Tim Rood, a former executive with Freddie's sister agency, Fannie Mae, and now managing director at Washington-based advisory firm Collingwood Group LLC. So, the GSEs have proved their point, and maybe it's time to put all this nastiness behind us, link arms, and mosey on down the highway, to a land where the taxpayer picks up Fannie's and Freddie's ultimate tab, which will include not only unrecovered losses on bum loans that weren't repurchased by big banks, but $160 million in legal fees for former officers of Fannie and Freddie who are accused by the government of making massive mistakes, if not engaging in outright wrongdoing. Unlike big banks, however, the taxpayer doesn't get a steep discount on his or her tax bill when it comes due each April merely by "hanging tough." It's an interesting staring game going on, and, thus far, it appears to some of us that the GSEs are blinking. The ultimate loser of the game won't be Fannie or Freddie, however. To find that loser, all you have to do is to look in the mirror.
Read more detail on Recent Banking and Finance Law Posts –


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Vela Dream
Your dream vacation on sailboat!
Our operational headquarters
The Port of Agropoli (Campania)
At the gates of the Cilento
The Port of Agropoli is the seat of our base of operations, where we have a grant from the Campania Regional Authorities of a water space for mooring the fleet of sailing yachts managed by us. Agropoli, a charming town in the province of Salerno, is the gateway to the Cilento Coast and is located halfway between the landings of the Sorrento Peninsula and the port of Capo Palinuro.
The Town of Agropoli, a pearl of the Cilento Coast, still with untouched natural beauties and rich in archaeological evidence, is, in the southern area of Campania, an ideal starting point for interesting excursions on a sailboat to reach places of excellence from the point of view of tourism, landscape and culture.
Port services
The Touristic port of Agropoli it is equipped with all the essential services for boaters and its facilities and services provide maximum assistance to our customers and crews in transit. There are available in the service building located at the root of the pier breakwater coin-operated toilets and showers.
From 2015 it is available also a laundry service also coin activated whose costs are well indicated by appropriate signage. It is close to the city which can be reached on foot. For the galley some supermarket provide delivery service aboard, the same service can be provided by some pizzerias.
Support services for the execution of the main workings of ordinary and extraordinary maintenance of sailing vessels is supplied directly by our staff.
How to arrive
To reach us and set sail
By train: railroad Rome-Naples-Reggio Calabria
By airplane: Naples Capodichino Km. 105
We can organize transfers from/to Capodichino Airport with private minibus according to your needs.
Information for those who come from Rome
we recommend the train to move from Rome to Agropoli and vice versa, especially during the weekends. There are direct trains links from Rome Termini to Agropoli and vice versa with Intercity trains, there are also connections that allow who still works on Friday afternoon, to leave Rome even 19:45 hrs.
For the return on Sunday evening, then, leaving Agropoli at 19:45 hrs. you can be in Rome before midnight.
In such cases we will take care of coordinating the transfer from the railway station to the Port of Agropoli and vice versa.
Private Taxi Service
We will then take care of coordinating the transfers through a private taxi service to reach the Port of Agropoli, the railway station and other welcome diversions.
Contact us
We are at your service!
(39) 329.7711447
via San Francesco 36, Agropoli (SA), ITALY
D.Lgs. 196/2003: We inform you that the data provided will be kept strictly confidential and may only be used by "Vela Dream s.r.l." for sending information or advertising material. The data collected can not be processed for different purposes nor will it be disseminated or disclosed to third parties or transferred to other companies. In addition, the data will remain available for any changes or cancellation pursuant to Article 7 of the aforementioned legislative decree n.196 / 2003 in force since January 1, 2004.


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It's Dyslexia Awareness Week. Hazel Davis meets Sheffield businesswoman (no, make that powerhouse) Samantha Nicholson, who discovered she had a reading age of eight when she was 16 and about to do her GCSEs. Sheesh.
Samantha Nicholson is founder of Nicholson and Co Accountancy. She also runs a networking group and the South Yorkshire Business Awards.
You were diagnosed with dyslexia at a late age. Did you not have any idea there was a problem?
The teachers used to say I wasn't trying hard enough and I was thinking all the time, "But I am trying hard!" My friends would take the mickey out of me because I couldn't use a dictionary properly – I'd do things like looking up philosophy in the F section. But I just thought that something wasn't quite clicking.
Nonetheless, I was always in the top two or three sets for things and in some subjects, such as business studies, where the teaching style really suited me, I did fine. I definitely learned coping strategies though, like saying my handwriting was messy to avoid having to write things.
You still managed to leave with a clutch of decent exam results. How on earth did you do that?
In the last year of GCSEs the school provided me with a study buddy to help me revise. This really helped. I left with a D in English, a C in maths and science and a B in business studies. Then I went to college to do business studies. In my first year of college I was sent for a test and it revealed I had the reading age of an eight-year-old.
That must have been a bit of a shock…
Yeah. I decided there was no point in carrying on with college so I quit and got a job. The problem is that you have to tell them you're dyslexic. I always did quite well in interviews until this point. In the end I decided not to reveal it and I got a job as a receptionist.
I was there for two years and I left as an insurance administrator. Then I wanted to be my own boss so I started making and selling jewellery and doing some accounts on the side. Then I started looking at accountancy qualifications.
…Which you passed with distinction.
Yes. I set up my bookkeeping business on the side in 2007. My business studies background meant I knew roughly what I was doing, if not all the time. So I plodded on.
What were the main barriers you found when you started?
The main way to find business back then was through networking. However, people never took me seriously because they thought I was too young, so I used to pretend that I was an employee in a family business. I am 30 now, with more than 100 clients, and I still get comments like this.
You recently attained your degree. How did that feel?
Great. At one point I was working part-time for a charity, running the business, redoing my maths and English GCSEs and studying for a degree. Oh and looking after my children.
OK, we're exhausted just reading that.
It did teach me a lot about how much I can do!
Do you feel your early struggles have made you work harder?
Oh yes. But I was glad to have the diagnosis. It now makes me see why I find things hard. It's also, oddly, made me able to see all sides of things and wonder about the struggles other people are having.
And your business is thriving.
I started with 15 clients. Now I have nearly 100 clients and two staff. It's grown rapidly. My biggest clients have a turnover of £7m and my smallest £5k. It means no two days are the same as I am working with everyone from cafes to import/exporters.
We're extremely eager to hear your advice to anyone who finds themselves in the position you were in.
Just go for it. It's only you that will hold you back. I set a goal that I would have a degree by the age of 30. I did it. It took me six years but I did it. I tell my children they can do anything they put their mind to.
Meet more of our Glass Ceiling Smashers here.
Enjoyed this? Help Standard Issue keep going by joining our gang. Click here to find out how.3742 Views
Hazel Davis is a freelance writer from West Yorkshire. She has two tiny children but the majority of her hours are taken up with thinking about Alec Baldwin singing sea shanties and the time someone once called her "moreishly interesting".
Copyright 2016 Standard Issue | All Rights Reserved | Designed and Developed by Bring Digital.


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Location: Inverness
Senior Recruitment Consultant for international recruitment. Over 7 years' experience in Inverness and Houston, Texas.
Current specialty:
Currently recruit international placements with a specialist in drilling roles. I work on all onshore and offshore roles including:
Drilling Engineers, Drilling Supervisor, Senior Drilling Roles, Senior Superintendent Roles, Senior Manager Roles and Completion and Well Intervention roles.
Engineering Roles:
Geologists, Electrical, Instrument, Pipeline, Subsea
Other roles include:
Quality Management roles, Health and Safety roles, Contract roles
The best thing about working in Orion Group:
Orion is an international company based on good values. The staff are wonderful making it a pleasant experience to come to work.
In my spare time… I like to keep fit, travel including trips to the six nations and watching any kind of sport but particularly football and golf. Hobbies include spinning and playing golf.


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September 21, 2020
Janis Provisor, Co-Founder and Creative Director of Fort Street Studio, sits down with Interiors Academy's Sabine Rothman to talk trade, design, art and origins. Take a listen! Recorded on Instagram Live on Thursday 20th of August 2020.
June 1, 2020
Rug picks by Fort Street Studio team. Shield is one of my favorite designs in Fort Street Studio's extensive catalog.......READ MORE
January 22, 2020
Fort Street Studio principals and co-creative directors, Janis Provisor and Brad Davis, are avid travelers whose "painting holidays" take......READ MORE
December 6, 2019
The eighth season of Salon Art + Design at the Park Avenue Armory in New York showcased the world's......READ MORE
August 14, 2019
We are pleased to announce a new London collaboration. Fort Street Studio rugs on view and available to purchase......READ MORE
August 1, 2019
The 50th Anniversary of the first man on the moon got us thinking about the moon and circular shapes......READ MORE
June 5, 2019
Fifteen years after working exclusively in wild Dandong silk, Fort Street Studio creative directors Janis Provisor and Brad Davis......READ MORE
April 22, 2019
Fort Street Studio principals, Janis Provisor and Brad Davis, spent the last two weeks of March 2019 traveling with......READ MORE
March 27, 2019
Suzy: This is Suzy Annetta from Design Anthology magazine. I'm sitting here this afternoon with Brad Davis, who is one half of......READ MORE
January 31, 2019
2019 began with a visit to the city of lights, to attend the annual textile event 'Paris Deco-Off' which......READ MORE
October 30, 2018
Runners are a great way to add a splash of color and/or design to a narrow space, corridor or......READ MORE
October 22, 2018
THAI IT ON Thick silk cording spun from hand reeled silk by artisans in Thailand form the foundation of......READ MORE
August 30, 2018
Fort Street Studio is delighted to announce the opening of a new London outpost. The new office will join......READ MORE
August 30, 2018
Berkeley Hotel London debuts new range of suits designed by John Heah featuring Fort Street Studio hand knotted carpets ......READ MORE
March 8, 2018
Fashion and Home design go hand in hand, with the trends of one world often influencing the other. Here......READ MORE
February 2, 2018
We have many reasons to celebrate the color red during the month of February. In the west, where Valentine's......READ MORE
October 24, 2017
Fort Street Studio was pleased to partner with Louis Vuitton Singapore in late September for a world premier shopping......READ MORE
October 19, 2017
Pictured above: Rugs: Ripple In Platinum, Twig Light. Interior Design by Michele Bitter Designs. Photo: Mark Roskams. POSITION FURNITURE FULLY......READ MORE
August 31, 2017
On Fort Street Studio's social media pages throughout August 2017, we celebrated one of Janis' favorite colors (and the......READ MORE
July 24, 2017
Fort Street Studio's first Taipei exhibition was hosted by the Artrue Gallery for one week in late June.......READ MORE
May 10, 2017
Internationally-renowned makers of luxurious hand-knotted carpets, Janis Provisor and Brad Davis have commissioned three narrative films featuring Fort Street......READ MORE
May 4, 2017
"Time Capsule", a new exhibition on display in Hong Kong this month, tells the story of Louis Vuitton using......READ MORE
March 22, 2017
While the color pink is often thought of as girly, it's not just for pretty parlors. Fort Street Studio's......READ MORE
February 17, 2017
On Tuesday February 14th, renowned fashion house Badgley Mischka debuted their new Home Collection during their Fall/Winter 2017 runway......READ MORE
January 9, 2017
The recent design exhibition at the West Kowloon site of the M+ museum, titled "Shifting Objectives: Design from the......READ MORE
October 15, 2016
It is our goal at Fort Street Studio to create a unique and special product for all our clients.......READ MORE
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In August 1986 artists Janis Provisor and Brad Davis had their newly constructed Colorado home featured in House &......READ MORE
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In August 1986 artists Janis Provisor and Brad Davis had their newly constructed Colorado home featured in House &......READ MORE
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In August 1986 artists Janis Provisor and Brad Davis had their newly constructed Colorado home featured in House &......READ MORE


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With each passing day I can feel colder weather approaching. Autumn is a beautiful time marked by some of my favourite seasonal celebrations, Halloween and fireworks night are always such fun. I am feeling the increasing urgency to gather everything in, in preparation for the winter that lies ahead.With that in mind, we have been collecting lots from the garden recently.
We have a small wooden box divided into even smaller sections that we use for collecting and displays. Middle daughter C and I had fun in the garden this week making the collection pictured below. It lasted just long enough for me to take the photo, then it was destroyed by a rampaging baby. He sampled lots of the flowers too!
The Sweet-peas have been amazing this year. At the height of the summer I was picking bunches every other day. I had never had great success with them before, but this year they were planted in a very fertile bed in full sun and they thrived. So we are saving lots of seed for next year. These seed are so fiddly to pop out of their papery wrappings.
The Runner beans have also been good. If I had a bigger freezer, we could be kept in beans for months. I did make pickled runner beans one year, but it's not particularly an experience i want to repeat! So we have eaten a lot of fresh beans. Have you tried beans with balsamic vinegar?
I love planting runner beans with children. The seeds are a great size for little hands to cope with and the huge size of the final plants is exciting for kids. At the outdoor playgroup I am involved in (more about this soon) we planted a runner bean den. It was a willow structure planted up with beans which rambled all over it and created a cosy green place for children to hind. That I definitely will be doing again.
Earlier this week we visited the woods where our cabin is. We had an autumn walk, filling our pockets with interesting finds along the way. We always do an autumn display of conkers, acorns, beautiful leaves, figures of woodland creatures and autumn themed books.
I enjoy observing the seasons in this way and I think it is useful for the children to help them understand the cycles of the year. We also do a display for winter, but despite my good intentions to follow this through for Spring and Summer too, these never seem to happen. On reflection I think it is because at those times of year, my attention is focussed outside and decorating the house does not seem as important. During autumn and winter, more time is spent indoors and anything that brings the outdoor in, is vitally important for our well-being.
Our eldest girl, E, did the seasonal table all on her own this year, isn't it lovely.


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Doing arts and crafts is a lot of fun for anyone. There are so many different kinds of crafts to explore that the opportunities to find something you enjoy are endless. You are about to learn some things that will help you better enjoy your craft sessions.
Do you need a wonderful source for craft supplies? Many online sites offer great prices on a huge selection of craft supplies. Do a quick Internet search to find the best deals on your crafting materials. Many online stores offer shipping free of charge to help your budget.
There are lots of things that can be used in craft projects. Plastic bottles or paper plates that would otherwise be thrown away are a great example. Empty rolls for toilet paper or paper towels work, too. You can also use newspapers or magazines. Be creative, and find new ways to use things that you'd otherwise toss in the garbage.
Be lenient when your children are getting into their arts and crafts. Crafting is about using your creativity. You'll never accomplish the stated goal if you're hanging over your child and trying to get things "perfect".
If it's difficult to find supplies for craft projects at reasonable prices, try second-hand stores. Thrift shops have different types of supplies for crafts. Be sure to check back as inventory constantly changes.
Do a single project at a time. Sometimes you want to try out a million different things. This is why projects don't get completed. Spend the time necessary to complete each project before beginning a new one. This will allow you to finish them.
When crafting with your kids, the end result doesn't have to be written in stone. Either show a lot of examples or don't show any at all so the kids can take the lead with their own imagination. Let them use their creativity for interesting ideas. Their thoughts and ideas are important, so allow them to be a part of the final execution of the project.
Look online when you need new ideas for your arts and crafts. To do a crafts project, there are lots of sites online to locate ideas. No matter what age kids or adults will be doing the project, you are sure to find something that everyone can do online.
Craft activities can provide great entertainment to a group of adults or children. There is something for everyone to enjoy, no matter how old they are or what they're into. Look on the Internet, and locate arts and crafts projects which line up well with the people you are with.
Before embarking on a particular project, make certain you have all your supplies on hand. There is nothing worse than jumping into something only to realize you cannot finish it. Double check your supply list before you start your project for best results.
Now you can get out and start crafting! Regardless of what kind of art you make, your skills will improve if you use different tips. Creativity has to do with growth and change as you try to improve your art.


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As demand grows around a strategic global response to the ever-changing and increasing risks, shocks and stresses arising from natural and anthropogenic hazards, it is increasingly important that we build an understanding of the root causes of vulnerability to disasters as a pathway to developing resilient communities.
The International Disaster Management and Humanitarian Response programme is a multidisciplinary course designed to enhance collaboration amongst natural and social sciences, medicine and the arts in exploring disaster risk reduction and humanitarian response.
This programme seeks to bridge the divide between development and humanitarian action - bringing together cross disciplines including development planners, and climate scientists, on the intersection of disaster risk reduction.
As a student you will explore methods for improvement in building the disaster resilience of communities - both globally and locally in the UK. Through the course you can expect to build research expertise, practical knowledge and management skills in disaster prevention, mitigation, preparedness, response and recovery in order to reduce negative impacts on health, social, economic and environmental spheres.
You will find this multidisciplinary programme unique , with the core courses demonstrating the linkages across disaster risk management, climate change, sustainable development and humanitarian action. The compulsory courses create an integrated approach to the field - rather than offering a selection of discrete modules available in geography, sociology, history and environmental science rather than a dedicated programme. The University of Manchester is unique in having strengths in humanitarian and conflict response underpinned by history, politics, medicine, geography and development studies. This will provide you with wide options to choose from whilst having a grounding in humanitarianism and disaster management. For the third level dissertation you will be asked to choose from a wide range of topics that relate to disaster management and humanitarian response.
Flexible Honours may allow you to study an additional arts, languages or cultures subject. Find out more here .
Language options: We recognise there is great demand from employers in the humanitarian sector for languages. Therefore, up to a third of your degree can be made up of studying languages, such as French, Arabic, German, or Russian. A beginner start with many languages is also possible


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Now is the time. Opportunities IT industry's sort provided in 2000 is now, what Digital Marketing industry offers. We live in a time where folks use the web for everything. The Internet's popularity has created an opportunity for companies to expand their business influence. The storefront, in which anything could be purchased using a click of a mouse button has been transitioned into by the conventional shop. The storefront, in which anything could be purchased using a click of a mouse button has been transitioned into by the conventional shop. Digital Marketing is Equivalent to MBA ever-changing and exciting discipline that keeps people on their toes by having strategies, new technologies, and markets to explore. Another fantastic thing about Digital Marketing is that you are always working with many different individuals, on new endeavors, and with new customers, and devising new strategies to keep ahead of the competition, so it is almost impossible to get bored when you are working in this field.Moreover, it features many different job opportunities, including freelancer, working for a service, or even starting your own firm. Besides, you get all exploring new methods, sharing ideas, and staying on top of all of the topics and articles that are taking the world by storm. However, as good as this seems promotion is a fast-paced and demanding job which needs training and a skill set, and it is not for everybody because of that. Here is some information and a collection, if you're thinking of a career in advertising.
About Digital Marketing
Digital Marketing is often defined simply as any Marketing campaigns that focus on digital, and especially online, channels. But a more comprehensive definition extends to some Marketing attempts that involve Digital devices, no matter whether the user is offline or online. With the expanded definition, Digital Marketing can use to media such as radio, television, and phones as readily as it can to email and other platforms that are connected. No matter the platforms you concentrate on, the aims of Digital Marketing remain the same, plus they include helping companies to find new prospects, engaging audiences, driving traffic, and converting visitors into customers through Digital, digital, and internet tools and channels.
Great Job Opportunities
Among the most attractive things for prospective Digital marketers is the job outlook in the industry is excellent, even in times when job security is a significant concern for a lot of people in a number of fields. The principal reason behind this is simple: Digital Marketing is the Marketing format of the future and present, and it'll only continue to become As an Digital Marketing specialist, you can expect to make nearly $50,000 annually, whereas a digital Marketing manager can make upwards of $60,000, which is with less than 20 years of experience.
Are you currently a Digital Native or Fascinated by New Tech and Developments?
You definitely don't need to be a Millennial or Gen Zer in order to be a digital marketer, but growing up with technology in your own life will give you an edge in the industry. Digital Marketing demands technical skills, understanding of speech, and being comfortable with all kinds of technology, which puts younger generations at an advantage because they've been surrounded by computers, gadgets, and Digitals their whole lives. That said; yet, digital marketers are people of all ages and from all kinds of backgrounds, and particularly ones who have knowledge, skills, and interest in areas like video and audio production, e-commerce, internet design, social networking, analytics, mobile Marketing , content management, and Marketing approaches generally.
Are you currently Really an SEO Whiz?
Search engine optimization remains a massive portion of each digital marketer's job as it is one of the chief tools used in the market to boost site visibility and drive traffic. Obtaining at least a basic comprehension of on-page and off-page SEO best practices is a terrific advantage for prospective digital entrepreneurs, however even if you aren't an expert, it's necessary to have an interest in studying.
Do You Like the Idea of Working at a Field That is Always Evolving?
Digital Marketing changes faster than most other companies because technologies emerge and grow at such a fast pace. It follows that successful Digital marketers are constantly searching for what's new, are always ready to accommodate and research new skills, and are always interested in learning new technologies, tools, channels, and approaches. Some people, however, prefer professions that might be more static and less influenced by trends, and Digital Marketing likely isn't a great match if that's true.
Are You an Analytical Thinker and Problem Solver?
Having the ability to examine a issue and come up with a remedy is a critical skill for any prospective Digital marketer. Every customer you experience will have individual objectives, budgets, and tools, and every time you choose a new job, you're going to be responsible for assessing the situation and devising an effective approach to assist that company achieve its objectives. Does this need that you get a good comprehension of all of the digital Marketing tools available for you personally, but also which you're able to assess the resources to determine ways that they could serve you and your clientele. What's more, analyzing metrics to find out the achievement of a campaign is just another essential role that Digital marketers perform, which also needs a crucial mind.
Do You Have Excellent Communication Skills?
In its heart, Digital promotion is about assisting customers connect and engage audiences, which comes down to communication. Along with having the ability to create high-quality articles, you also must have the ability to communicate complex ideas in easy-to-understand manners, have the ability to listen to what audiences want and be comfortable with distinct storytelling websites, such as text, video, and sound. Beyond this, it's also important to get open and clear lines of communication with customers, because that is the only way you will have the ability to deliver the outcomes they desire.
Can You Spot New Trends and Great Content?
As stated, Digital promotion is always evolving, and among the chief drivers of change is customer behaviour. For example, when cellular search became popular, the most effective digital marketers around instantly recognized the demand for responsive websites, and companies that had mobile-friendly websites early were rewarded for being ahead of the curve.


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Matches that will matter, 6-7 Apr 2018
As we're approaching the business end of the season, a single match can often have a huge impact on the fortunes of the teams involved. I've therefore had a crack at using the ratings model to identify this weekend's most pivotal fixtures by simulating the rest of the season and tracking what tends to happen when each match ends in a home win, a draw and an away win.
The graphics below show the five matches the model has picked out this weekend where the most appears to be at stake for both clubs involved, along with how their respective chances of achieving their main goal varies with each outcome. These can be read in conjunction with the match preview graphics – powered by the same model – to get a steer on what's likely to happen.
Barnsley v Sheff Utd (Championship)
For Barnsley, a win here could boost their survival chances to around 3 in 4, assuming all the other games in this Championship season pan out as the model expects, while a defeat would leave things looking pretty 50:50 for them. This wouldn't be a disaster by any stretch of the imagination – not least because they have a game in hand – but this is definitely an opportunity that they won't want to waste given that they sit five points from safety.
The Blades meanwhile need a win if they're to have any realistic hope of securing a play-off place in an unusually tight race: even a draw would put their chances at below 1 in 4. This is one of only two remaining matches against bottom half teams – the other being at Birmingham – so they won't have many better chances to put three points on the board.
Plymouth v Peterborough (League 1)
As two of five teams separated by a single point and scrapping it out for the lower two play-off places, this encounter appears critical to both sides' promotion chances. Only a win will realistically sustain either club's hopes of making the final top six, with even a draw reducing their prospects to below one in three. Both have yet to play three more of the top eight this season, which explains why the model sees this particular match as being so pivotal.
Wimbledon v Scunthorpe (League 1)
As for Barnsley and Sheffield United in the division above, this fixture unites two teams at opposite ends of the table. Wimbledon need a home win to put some much-needed distance between themselves and the bottom four, with defeat leaving them vulnerable to a return to League 2. Visitors Scunthorpe meanwhile should be going all-out for an away win that would significantly strengthen their hand in the play-off battle: anything less than three points is likely to see them drift behind the main challengers.
Notts County v Coventry (League 2)
Finally to League 2, where Notts County and Coventry have the opportunity to significantly strengthen their claim to a top seven spot at each other's expense. County are in a slightly better position overall – as the league table will attest – and even defeat would leave them more likely than not to make the play-offs. However a win would boost their chances tantalisingly to over 90%, with the visiting Sky Blues able to nudge their own prospects almost as high if they can pick themselves up from the last week's harrowing 6-2 defeat.
Grimsby v Chesterfield (League 2)
Let's finish with what is unmistakably a relegation six-pointer. If Grimsby can record a (long-overdue) win then they will inflate the cushion between themselves and Chesterfield to seven points: enough to ease the pressure significantly despite the visiting Spireites having three games in hand. Even a draw would make them likelier than not to survive, although the better than 3-in-4 chance that three points would provide makes throwing caution to the wind a no-brainer here. An away win however will close the gap to just one point: a margin that Jack Lester's side went on to overcome in around two-thirds of the simulations I ran.


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Pure Aesthetics Botox Ltd
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First water-based nuclear battery developed at MU
Think about how many devices you come across each day that are battery powered. The list is almost endless, and for that reason, researchers and scientists constantly are searching for the next big improvement, the next battery breakthrough.
Engineers at the University of Missouri have managed just such an innovation. Jae W. Kwon, associate professor of nuclear engineering and electrical and computer engineering, recently had a paper titled, "Plasmon-assisted radiolytic energy conversion in aqueous solutions," published in Nature. The paper outlined the first use of a water-based solution in a nuclear battery, creating a longer-lasting and more efficient power source.
In previous iterations of conventional nuclear batteries, the amount of radiation emitted would rapidly wear down semiconductors, thus diminishing the lifetime and capabilities of the battery. The new design proposed by Kwon's team uses radiation to split the water molecules in an ionic solution, and the water also acts as a buffer, allowing for higher power production. The semiconductor, a nanostructured titanium dioxide electrode with a platinum coating, gathers and converts energy effectively into electricity.
"Reactors are using water because it absorbs energy very easily and dissipates it," Kwon said. "It's a very good medium to reduce radiation damage. The radiation energy should not be damaging the energy converting semiconductor. This liquid in-between will be generating an excited state, which keeps the intermediate energy strong and contributes to power generation."
And, by using an ionized water solution, the range of potential applications for the battery increases. The solution freezes at a much lower temperature and boils at a higher one than what comes out of the tap, providing for potential use as a long-lasting energy source in space or in automobiles, among many other possible applications.


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Not too bad considering I was out of the country for two weeks! Sometimes being out of the country is better though as I tend to spend less when I am traveling (depending on where I am traveling to of course!). This month I had the auto insurance payment to contend with and also had a double whammy with the depreciation adjustment of my car for July 2016 (updated annually).
I was out of the country with crappy Internet with the Brexit panic otherwise I would have bought more. By the time I had access to Internet the prices rebounded.
My goal for the end of 2016 as one of my personal finance resolutions is to reach $420,000 in net worth. Now I just have $13,000 towards my goal of $420,000 by the end of the year. With six more months to go (I go from January 2016 to January 2017), I am on track, I think. That's a little over $2500 per month. My long term goal is to have a net worth of one millllllion dollars by the time I reach 40. We will see how that goes…with kids hopefully in the forecast, this plan might get derailed, but you never know!
Okay, so here's the breakdown for July 2016: $406,580 (+$4410)
- Once I deplete the cash in my non-registered account (yes, there is more cash in there) I will start moving this cash into investing accounts. It is nice to keep it here for an emergency fund anyway.
- I added up my chequing and savings accounts (High Interest Savings Account). I automatically deduct money from my chequing account and have it siphoned to the HISA account (paying yourself first)
Non-Registered: $81,500 (-0.2%)
- Down a few hundred dollars this month
- I still have a lot of cash in my non-registered account hence the poor performance
- These are stocks that capture the "moment in time", including unrealized gains or losses in my BMO Investorline and Questrade accounts.
- This includes the pre-authorized monthly contribution into my TD E-Series account, a GIC in my ING Direct Account and a Questrade RRSP account.
I max out both my TFSA and RRSP (read my TFSA vs RRSP great debate over here)
- I'm not including my defined benefit pension contributions which is >$35,000
- I paid back the Home Buyers Plan for my down payment in 2013.
- Check out my dividend income spreadsheet updated quarterly!
- One of my to do tasks is to track my dividend payments in an excel spreadsheet
- Watch out for TFSA over contributions, guys, the CRA will get you for every last penny.
- I signed up for a Tax Free Trading Account with Questrade in 2009 and haven't looked back!
- I'm a little divided on what to do with my home now that I'm getting hitched soon. I'm pretty keen on selling it or just renting it out. Fiancee and I have discussed things and we are going to rent a two bedroom place for the next year or two.
- I updated it for 2016-2017 with the Canadian Black Book price, will update it again in July 2017 with the depreciated price
Credit Cards: $245
- I signed up for the Chase Marriott Visa and also have an American Express Gold Rewards Card again, with the goal of travel hacking my way to trips.
- I use Mint.com account but I only added my credit card (this is helping a bunch so that I can keep track of my spending)
- I've redeemed $0 for 2016 so far with my MBNA Rewards World Elite® Mastercard®
- I pay off my full amount every month (and folks, it's VERY important you do so otherwise you're losing out on a 19% return!) but include it in my net worth update so I have an accurate picture of my actual net worth. I sort of think "If I were to sell everything right now, what would my net worth be?" I guess I shouldn't put it in the liabilities column since i pay it off regularly, BUT in mint.com it's under the liability column so I'll do the same.
Mortgage: $121, 780 (-0.9%)
- I pay an extra mortgage payment a month
- My intent is to rent it out in a little while (see above). In order to offset future rental income, I chose to acquire a mortgage instead of paying for the majority of the condo.
Article comments
You should definitely not pay extra mortgage payments if you end up renting your property. This is a tax deduction. In fact if youhave a low mortgage rate, I would go on as long a mortgage holiday as they will let you have to increase your interest and invest the money you save . If you can make more then 2 % plus your deduction, on investing you will be ahead. My bank allows me to take a holiday of 10 payments every year, if you are ahead of your payments
Also, I would think long and hard about the timing if you sell your property (if you are in Vancouver or Toronto). if you ever plan to buy in these markets again.
If you sell and rent for a couple of years you may never be able to get back into the property market again.
If you plan to buy in these markets, I would sell a few months, before you want to buy., and specify a longish closing period The market is so hot at the mo, you will not keep up with the property value increases with investing the capital from sale, while you rent for a couple of years. You might have to rent for a while if you do not find another property, but you will still be in a similar market.
If you ar emoving to a cheaper market or do not live in Van or Toronto, ot themarket does not continue to explode, its another story