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Laura Diana's Victorian Dollhouse Part 1 (of 2)
Laura Diana's Victorian Dollhouse Part 2 (of 2)
I have always wanted to build a dollhouse and had high hopes that I'd be able to do that when I had my own house. I didn't want a plastic toy type house. I wanted a Victorian wood house with wood floors, wallpaper, working lights, miniature Victorian furniture, miniature rugs, etc.
I did have high hopes for this earlier on. In fact, when I was in my twenties I used to but little miniature Victorian furniture kits for making furniture like a miniature Queen Anne dresser, Miniature Queen Anne sofa, etc. I never made them and haven't seen the kits in years. I'm not even sure if I still have them.
Unfortunately, 50 years go by rather quickly, and I haven't built my dollhouse. I still want to. The problem is one of time. If you want to build a dollhouse, like the one I want, you need to reserve a whole block of time for it.
Since I won't be making my dollhouse any time soon that doesn't stop me from looking at all the beautiful dollhouse eye candy on my "Dollhouse and Miniature Creations" Pinterest board.
I just LOVE dollhouses and have always wanted to create one of my own. Someday I will and will look to these beautiful works of art for my inspiration.
If you love my Dollhouse and Miniature Creations board please follow my board by clicking on the "Follow On Pinterest" link above.
Aren't they all beautiful? It would be hard to choose which one is your favorite - don't you think?
When Id do finally make my dollhouse I'm hoping that all the tutorials, patterns, how-to's and videos I've been collecting on my "Dollhouse Tutorials & Miniature Dolls & Crafts Tutorials, Video's, Patterns, How-To's" board will be helpful.
I just LOVE dollhouses, miniature dolls and miniature crafts. Someday I will make a dollhouse of my own. When I do perhaps some of these tutorials, video's and how-to's will be helpful.
If you love my Dollhouse Tutorials & Miniature Dolls & Crafts Tutorials, Video's, Patterns, How-To's board please follow my board by clicking on the link above.
Have fun making your dollhouses and miniatures.


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Saturday, September 4, 2010
Farmer's Market
The cooler, almost fall, weather must bring everyone out to the farmer's market! As I am here at work this morning, I am amazed how many people are out and about at the market in Charles City. Wednesday was a nice day. Not too hot or cold, and yet there were hardly any people at the farmer's market. Now, today, it is sunny but only about 50 degrees and that place is packed! Must be our natural instinct to get ready for cooler weather by gathering and collecting. Makes me excited to cook up that butternut squash I have at home. Mmmm! If that won't make it smell and feel like fall, nothing will. Now, I'm back to work for the day. Support your local farmer's market and anyone that grows natural and organic.
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While I love teaching Shakespeare,香港马会开奖纪录, there are few times I find myself actually agreeing with Juliet; but when it comes to her famous soliloquy about names, she's nailed it. At the end of the day, names don't really matter—whether I go by my current last name or take Mr. Orchard's,2015香港特码开奖结果, I'm still me. Since I don't rely on my name professionally, it's an even easier switch.?I always assumed I would happily take my husband's name when I was younger, but as the days until the wedding grow fewer, I find myself surprisingly conflicted.
Here's the thing girls (and guys?)—my last name reflects my Mexican heritage and, quite honestly, it's really the only tangible thing that does. Physically, I don't look particularly Mexican. I speak Spanish terribly?(I took French to spite my father in high school—I'm pretty good at it actually, but unfortunately the joke was on me in the end!). The only obvious indicator to my cultural background is my last name, and if I just give it up, I feel like (true or not) I'll be letting go of that part of myself and I don't know that I am ready or fully willing to do that. I am so proud of my heritage, and I often feel remorse that I didn't spend more time embracing? it when I was younger. I used to get so annoyed when people would say, "Oh, that's your last name? Are you Hispanic?"? but now I kind of love it, especially being so far from home and family. I know that once I change my name that will never happen again. I wish I could better articulate why it bothers me so much. I keep running in circles about this trying to explain myself, but I just can't. I'm hoping I'm not the only bride-to-be who has felt this way!
The obvious choice is to hyphenate, and I've been leaning toward that for a while now but something is still giving me pause. You see, I also love Mr. Orchard's last name. I am excited to take it and, whatever choice I make, ultimately his name will be the one I go by socially so maybe that makes all of this a moot point but still"?
There are other options which have been discussed here on the 'Bee before. I could take my current last name and make it my middle name, but when I mentioned this to my mom she freaked out about me giving up my given middle name. I can have two, right? Or is that weird? I know it'll be a little harder? (and cost a bit more—fees may range from $100–$400 for a legal name change) to change my full name than to just take a new last name, but if it's what I decide on it will be worth it. I could not take Mr. Orchard's name at all, but I don't want to do that. So I am currently at an impasse.
Has anyone else had a hard time letting go of their last name because you feel a cultural connection to it? What did you decide to do?Tags: legalmorgantown BLOGGER Mrs. Orchard Location: Morgantown, WV Occupation: English Teacher Wedding Date: November 2013 Venue: Jackson??????s Mill --> Related Posts The Little Mermaid's Identity Crisis06/23/14 @ 6:14 am Trading Up06/10/14 @ 12:35 pm A Stable Kind of Love: We May Not Be Getting Married After All05/13/14 @ 9:29 am Our Venue Is Bankrupt05/10/14 @ 10:16 am(责任编辑:admin)
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text: Checkmarc is a free service for your account that recovers dishonored checks and electronic payments. It eliminates the time you currently spend trying to recover dishonored checks, and makes accepting checks as safe as accepting cash or credit cards. With our convenient Checkmarc application, you can focus on your business, not collections. We are pleased to provide Checkmarc at no cost to you.


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Explore Further◄ Browse by Call Number ►
Subject Headings
Excellent story depicting the Amish community and the struggles they have of constantly blending with the new world versus their old ways.
I agree texasbooks. I love reading about the Amish life and Beth Wiseman is a great author.
I enjoy reading bout the amish life.
They had a much simpler life than we do these days.
Anyone like these books too?
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Education Coordinator
Phone: (808) 926-3191 ext 110
Email: email@example.com
Honolulu Zoological Society – Education Department
151 Kapahulu Ave
Honolulu HI 96815
Effective December 1, 2017, the admission fees for school group field trips are as follows:
School Groups (Public and Private Schools: Hawaii State Department of Education (DOE), Hawaii Association of Independent Schools (HAIS), Head Start, Homeschools, Preschools)
Non-School Group Rates (Scout Troops, Afterschool Groups, Summer Camps, Church Groups, Non-profit Groups)
Out-of-State Groups (General Admission Rates)
Honolulu City and County Parks and Recreation Summer Fun
Get the most out of your Zoo excursion with a Guided Tour of the Savanna!
Be led by our Educators through the most popular area of the Zoo and learn fun and interesting facts about the animals that call the Honolulu Zoo home. Our Educators not only have an extensive knowledge of all things Zoo but know how to present to students and chaperones of all ages. Tours highlight key vocabulary and concepts that meet Hawaii State K-12 standards and fulfill requirements of most animal related scouting badges. Educators also share information about our animals unique personalities and give students the opportunity to ask questions.
Animals Covered on Tour:
African Wild Dogs, Black Rhinoceros, Meerkat, Hamadryas Baboon, Fennec Fox, Lion, African Crested Porcupine, Giraffe, Zebra, Ardvark, African Penguin
Guided Tours are 45 min in length.
Monday – Friday by Reservation Only
$75.00 for the first 25 participants, $3 per participant after that
We can only accommodate up to 100 participants in a day.
Call to Reserve: (808) 926-3191
Reservations are made on a first come first serve basis and subject to staff and animal availability. Reservations cannot be made more than a month in advance.
Be aware that for all tours and education programs there is a 15 minute grace period. If you have not arrived within 15 minutes of your start time, we reserve the right to cancel your program. Admission fees to the zoo are separate from Education Program fees. If you have scheduled an educational tour or program, you must have 2 separate checks.


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Michael Callen research uses experiments to identify ways to address accountability and service delivery failures in the public sector, working primarily in Afghanistan and in Pakistan. His primary interests are political economy, development economics, and experimental economics.
Before coming to the Rady School, Callen was an Assistant Professor of Public Policy at the Harvard Kennedy School and an Assistant Professor of Political Science at the University of California, Los Angeles. As a post doc, Callen was a visiting faculty member at the University of California, Berkeley Center for Effective Global Action and the UC San Diego Institute on Global Conflict and Cooperation.
Callen has received research grants from the International Growth Center (IGC), South Asia Institute, Harvard University, Department for International Development, Consortium for Financial Systems and Poverty, Policy Design and Evaluation Laboratory, Center for Effective Global Action and the Development Innovation Lab (UC Berkeley). He also won the Innovate Award from the Development Innovation Lab from UC Berkeley.
Callen earned his Ph.D. in Economics from the University of California, San Diego and his B.Sc. in Econometrics and Mathematical Economics from the London School of Economics and Political Science.


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That honky tonk voice whose seen it all but hasn't given up on love.~Rolling Stone
"Emily and Martie had been in the band for a while and wanted to
change but weren't sure how, and I came in like, "Whew! Y'all are awesome players, I can sing, we're going to pick great songs,
they're going to love us!" It boosted their confidence and kept us all determined."
"Strong willed"~Emily
"Entertaining and lots of enegry"~Martie
"Confident. . .sincere. . .passionate." Birthdate:
October 14, 1974 (Libra) Hometown: Lubbock, Texas Education: O.L. Slaton Junior High from 1989-90, Berkelee College
Previous Job: "Orlando's Italian Restaurant" Waitress Hair Color: platinum blonde, worn short Eye Color &
Height: Blue / 5 ft. 3 in. Family: mother, Tina; father, Lloyd; sister Kim Can't Live Without: Her little labtop Right
or Left?: She's right handed Husband: Adrian Pasdar (June 24, 2000) Children: Jackson Slade Pasdar born March 15,
2001 Pets: bulldog named Ralph and Yellow Lab named MabelPerson She Most Admires: Her dad.
Greatest Weakness: Sleeping Most Embarassing Moment: "My
top breaking on stage and my boob hanging out for a full song!" Instruments: piano, guitar and electric guitar, bass (taking
lessons) First Teen Crush: Donny Osmand
First Album Ever Owned: Andy Gibb
Pet Peeve: People who chew gum (remember, no cavities) Hobbies:
reading, painting abstract portraits, decorating her Nashville home, watching movies, quilting, using her boogie board
Perfect Sunady:Sleeping late, waking up right on the beach,
eating a late lunch, going to a movie and having sex - but not necessarily in that order. I like to have sex right when I
wake up, too.
Greatest Extravagance: TravellingF A V E S Actor: John Travolta Actress: Audrey Hepburn
Childhood Hero: Sandra Dee Designers: Todd Oldham, Pamela Dennis, D&G Dixie Chicks Song(s): "Sin Wagon", "Wide
Open Spaces" Fashion: likes to cover her shoulders, loves hair & make-up, avid shoe buyer Food/Dish: Sushi or
Mexican Hang-Out: New York Junk Food: Fruit Loops Movie(s): Grease, Pulp Fiction, West Side Story, Breakfast at
Tiffany's, 7 Years in Tibet, Dead Poet's Society, To Kill a Mockingbird Piece of Clothing: tie-dyed, velvet Todd Oldham
pyjamas Singers: James Taylor, Bonnie Raitt, Indigo Girls, Maria McKee, Patty Griffin, Nat King Cole T.V Show: Party
of Five I N F O Natalie started her singing career at the age three, and spent her summers in the studios,
at family jam sessions and performing with her father. Her grandfather was also a musician. She spent her childhood watching
her father's band play and began sitting in onstage when she was just a little kid. Growing up in a family like the Maines
family, it's hard not to become musical. At the age of 4, she was discovered standing on a desk at the hospital where her
mother worked, giving a note-perfect rendition of 'Greased Lightnin'. In school, she would say, "Oh, I don't wanna do this
math and science. I'm gonna be a star." And a star she wanted to be. Her start was on piano when she was 12 and
she most recently has started bass guitar. In her 25 short years, Natalie has sung on several albums by well known Texas artists
and won a vocal scholarship to Berkelee School of Music in Boston in 1994. When Martie and Emily called Natalie to ask her
to be their lead singer, Natalie said she had a volleyball game that night and the next day a big Economic test. But about
4 days later, she checked out of college and started singing. Now when she's out on the road, she is addicted to the treadmill,
to help her stay in shape. DID YOU KNOW? * That Natalie has never had a cavity... * That Natalie considered
herself a flower child while in college and had a "world" and the Latin word for "Peace" tattooed on her ankle.. * That
"Shake Your Booty" was the first song Natalie learned to sing... * Natalie was a cheerleader in high school... * When
Natalie was a waitress, she never would sing the birthday songs at Orlando's.. * Natalie would like to be reincarnated
as Mrs. John Travolta or a dolphin * Natalie was in a band in college; played 3 gigs then broke up * Natalie
used to love playing bingo.. * Natalie's first country autograph came from Naomi Judd.. * Natalie & Emily won
2nd place in a karoake contest at a bar in Roanoke, VA back in June 1998 * When she was younger she liked rock music.
* Too Far From Texas was sung live and done in only two days
*In the pre-Nat days, Natalie didn't want to hang out with
Martie and Emily. "She was too cool to have dinner with us."
*While bowling during a break of the Top of the World Tour,
Natalie had a score of 90. She has a very unique bowling style of two hands throwing the ball between her legs.
*Natalie says she is "changing and learning new things". She
is also "business minded."
*During the last Lilith Fair Concert, the Chicks were
dressing everyone up. Natalie did Sheryl Crow's and Kelly Willis' makeup.
*Natalie's favorite rock bands were:Skid Row, Poison and Bon Jovi and Guns N' Roses.
She "melted" two microphones during the recording of the Fly
*some credit is due
to dixiechicksfans.com


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The subtopics (also written as sub-tropics and sub tropics) can provide a challenge to some gardeners and landscapers in that some plants which a person may have grown in other locations, may not grow here.
Locations such as Brisbane (in Queensland, Australia), Florida (in the USA), natal district (South Africa) and regions of South America, plus numerous locations in Asia, the Pacific Ocean, have subtropical climates. Each location may exhibit climate variations such as the dry subtopics, or the wet subtropics. Gardening and landscaping practices are needed to enhance plant growth and ensure success with plant selection and maintenance.
Suggestions for further advice:


text:
Storm CycleBook - 2009
From the critics
Community Activity
SummaryAdd a Summary
Rachel Kirby is a genius. Her sole mission in life to find a cure for Globoid Cell Leukodystrophy, the disease her sister Allie suffers from. To complete this task she utilizes Jonesy, a very unique computer. John Tavak is in Egypt and sends an SOS to Rachel through Jonesy. Rachel should ignore this SOS but can't since he offers hope of a cure. As Rachel rescues John they begin a search for the medical breakthrough that can offer hope to many, however they are not the only ones who wish to discover this medical secret. Rachel and John must use all of their intelligence and the power offered by Joneys to get there first. A fun action packed thriller sure to keep you wanting more.
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MENLO PARK, Calif., Oct. 16 — Sun Microsystems has developed a novel "data center in a box" in an effort to transform the fundamental economics of corporate computing.
The expandable computer system, called Project Blackbox, is based on a standard 20-foot shipping container and can be deployed virtually anywhere there is electricity, chilled water and an Internet connection.
Sun will introduce a prototype at its headquarters here on Tuesday. The system is planned for commercial availability in the second half of 2007, with prices beginning around $500,000.
To design the system, Sun turned to W. Daniel Hillis, an independent computer designer who has done pioneering work in supercomputing and artificial intelligence. He is co-chairman of Applied Minds, a consulting and research and development company in Glendale, Calif.
Arguing that today's increasingly vast data centers are unwieldy and require corporations to become unwilling computer designers, Sun executives said Blackbox would simplify installation.Continue reading the main story
Such a system would make it possible for New York-based companies to relocate data centers from costly space in the city to low-cost warehouses in New Jersey with minimal effort, they suggested. Or an oil company could locate a high-performance computing system on site — even on an oil rig.
In "The Box: How the Shipping Container Made the World Smaller and the World Economy Bigger" (Princeton University Press, 2006), the economist Marc Levinson said the container is a crucial component of a commerce system designed to move goods anywhere in the world with maximum efficiency.
Sun executives said they were trying to take advantage of that model.
The new systems are not aimed at all types of large-scale computing applications, said Jonathan I. Schwartz, chief executive of Sun Microsystems. Rather, the system is intended for computing projects that need to come to market or to scale up quickly.
While a standard shipping container might appear less well manicured than a standard company data center, the idea would make sense to corporate computer managers who needed to bring new capacity online quickly, he said.
"A company parking lot is just really cheap real estate," Mr. Schwartz said.
Mr. Schwartz rose to the chief executive position less than six months ago with a mandate to reverse the decline Sun has experienced since the end of the dot-com boom. And computing experts suggested that the mobile data center was a gamble that could pay off.
"What an out-there idea," said David A. Patterson, a computer scientist at the University of California, Berkeley, who has worked closely with Sun and with Mr. Hillis. "You could convert your warehouse into a modern data center."
Mr. Schwartz said the mobile data center would be attractive to customers that need to expand computing capacity quickly. Sun will lease as well as sell the systems, and Mr. Schwartz said the entire system is recyclable.
On Monday, he gave a reporter a tour of the prototype system, which sits in a container case adjacent to a Sun office building here, connected to two large fire hoses for water cooling and 500 kilowatts of redundant power.
Painted black with a lime green Sun logo, the system can consist of up to seven tightly packed racks of 35 server computers based on either Sun's Niagara Sparc processor or an Opteron chip from Advanced Micro Devices. The system includes sensors to detect tampering or movement and features a large red button to shut it down in an emergency. Once plugged in, it requires just five minutes to be ready to run applications.
Sun has applied for five patents on the design of the system, including a water-cooling technique that focuses chilled air directly on hot spots within individual computing servers.
The system, which Sun refers to as "cyclonic cooling," makes it possible to create a data center that is five times as space-efficient as traditional data centers, and 10 percent to 15 percent more power-efficient, Mr. Schwartz said.
"We are targeting customers who are concerned about saving space, power and getting to market quickly," he said.
The project grew out of conversations that Mr. Hillis had with Greg Papadopoulos, Sun's chief technology officer. Mr. Papadopoulos had worked for Mr. Hillis in the 1990's at Thinking Machines, a maker of massively parallel supercomputers based in Cambridge, Mass.
Long an advocate of the concept of utility computing, analogous to the way electricity is currently delivered, Mr. Hillis said he realized that large companies were wasting significant time assembling their own systems from small building blocks.
"It struck me that everyone is rolling their own in-house and doing manufacturing in-house," he said. "We realized that this obviously is something that is shippable."
Neither Mr. Hillis nor Mr. Schwartz would comment on whether their prototype is related to reports that surfaced last year about a containerized computing system that was rumored to have been seen in an underground parking lot at Google.
Google is typically close-lipped about its data-center designs.Continue reading the main story


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Since I can be forgetful sometimes, today you reminded me what true & unconditional love really is. It overwhelms me that there can be so much love in such a small bundle of fur such as yourself. Thank you for being there for me always. I love the fact that you treasure every moment with me, just as I do you. You're such a beautiful soul & wonderful companion. Thank you for the happiness & joy you've brought in to my life.
#DogLife #YouveGotAFriendInMe
Breed: Maltese & Bichon Mix


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BTI220 notes – Thu Jul 04
JavaScript language elements will be discussed, including the Number, String, and Date objects. Then, we'll introduce the two "big ideas" in JavaScript that you must become comfortable with in this course – functions, and inheritance.
Prepare for today's session
Continue working through the JavaScript Guide.
Plan to complete sections 4, 5, and 7, by trying all the examples in the Firefox Scratchpad.
Quiz discussion, etc.
Quiz 1 will be returned, and the answers discussed.
Follow Crockford's code conventions when writing JavaScript.
Today's Quiz 2 has been rescheduled to next Tuesday's class.
Labs 1 and 2 will be posted by mid-day tomorrow/Friday.
JavaScript objects – Number, String, and Date
We'll use the Mozilla Developer Network JavaScript reference documentation to learn more about Number, String, and Date.
How to use API documentation effectively
You have read documents that use the "tutorial" and "getting started" styles in the past few days. Now, let's use application programming interface (API) reference documentation. To be an effective web programmer, you'll often have to use the reference docs as a primary source, for a number of reasons.
Let's look at the documentation for the following JavaScript objects:
True and false, and truthy and falsy
We know that the value true is true, and that the value of false is false. What about other values?
First, let's look at falsy values. They include:
- false
- null
- undefined
- an empty string
- the number 0 (zero)
- the number NaN (not a number)
Truthy values include:
- true
- the string 'false'
- all objects
JavaScript reserved words
There's a short list of names that are reserved in JavaScript. You can't use them as variable identifiers etc. See Crockford or MDN for a complete list, and for the rules.
The importance of scope in JavaScript
The console object is actually a property of the browser's top-level window object. Its fully-qualified name is window.console. However, when you've used the Firefox Scratchpad, you have simply used "console", for example:
console.log('Hello, world!');
Why does this matter? It's too easy to create a problem by overwriting an object in global scope. For example, you can try this:
console.log('this will work OK'); var console = 'whatever'; console.log('this will not work'); // because you overwrote the console object
You can prevent problems related to the global scope by writing functions.
JavaScript functions discussion
Functions are one of the "big ideas" that we'll work through in JavaScript.
Sources of information include:
- MDN documentation
- Crockford writings
- Others, including Wikipedia, WebPlatform.org, etc.
Function syntax
We will ALWAYS (well, almost always) use this general syntax form when declaring and writing a function:
var functionName = function(arg1, arg2) {
// statements
The "functionName" word is simply your name for the function – whatever you decide.
Points to know about a JavaScript function:
It's an object – just like a Number, a String, an Object, or an Array.
Not all functions need a name (identifier) – if a function doesn't have a name, it's an anonymous function (also on MDN here, here, and here) – enables you to use a function as an expression.
Functions are used to specify the behaviour of objects. When a function is a property of an object, it's called a method.
Functions are special (in JavaScript) because they can be invoked (executed). So, as an object, it has a (hidden) property for the function's code, and a (hidden) property that holds the function's context/environment.
If you want to return the result of a function (instead of the function object itself), add ( ) after the code block's closing brace } , and enclose all of this in ( ) parentheses – this is an immediately-invoked function expression.
Variables declared in a function are scoped to that function (and are not visible outside) – so, declare the function's variables at the beginning of the function.
A function can support recursion – calling itself – but make sure there's a natural termination condition.
Functions can be defined inside of other functions. This is known as closure. The inner function has access to the vars and parameters of the outer function. Closure enables state persistence and information hiding.
One of the best parts of JavaScript is its functions. One of the best parts of JavaScript functions is closures. So, closures are best-of-the-best.
Douglas Crockford introduces closures in this video. Watch the segment that runs from 11:30 through to 15:00 (about 3 1/2 minutes).
This post has a detailed treatment of closure – study it.


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E-15- New Cargo Ship
Friday, May 10th, 2013 at 10:25
After the failures of the previous cargo ship, it's time to try a new design
If you enjoyed this post, make sure you subscribe to my RSS feed!
Filed under: Kerbal Space Program
Like this post? Subscribe to my RSS feed and get loads more!


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The most important decision I made since starting was the appointment of Claire, Di and Lea. We've had a great 6 months. I wish I had captured our thinking and our expectations and our inter-connectedness from the start because I am convinced I would be surprised by the huge growth and shift we have experienced. Both as individual leaders and collectively as a team. We are much more different in our views and ways of operating than you might think. This is good and the challenge is to recognise and allow for those differences. For all of us it will be ongoing work.
The most important decisions they have had to help make was in the appointment of our 8 Leaders of Learning. I was always confident in our rigorous process and our collective ability to nail it. We certainly did that. Steve, Yasmin, Sarah, Sally, Jill, Megan, Kylee and Lisa have really added to our team. I find myself sitting back often while the work is under way and admiring the full team in operation and feeling very privileged and proud. I once got told off by a staff member for talking about the staff as my staff. We are definitely a team, but when no one is listening to me I do refer to the team as my team - I think just because of the pride I feel.
Moving on!
The next and equal most important decision we have had to make is the appointment of our next and final (in the meantime) group of teachers. When Danielle, Cindy, Bryce, Liz, Martin, Ros and Pete join us next term we will be even stronger and even better balanced. I like the way several of the LOLs are already getting excited about bringing the new team in.
This morning we performed our first ever public ukulele performance of our school welcome song (sung to the tune of Under The Boardwalk) to our visitor and critical friend, Mark Osborne. After a neat round of introductions when I learned even more about each of the team, Mark heard from the LOLs on their work on developing the sense and meaning of our Hobsonville Habits.
What did I hear:
- vision without management is hallucination
- the use of space should reflect our values
- sustainability is built by protecting the vision
- displayed work should reflect our values - do we value product or process?
- teachers, learners and whanau should be able to develop their own metaphors that best help them understand the values/habits
- the challenge for us is to change "hope to" to "ensure that".
- be wary of being the best school only for the first cohort
Time for a meeting with Di, then off to the clubrooms for a beer!


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At our deepest core, we know what's healthy for us. Of course, it great to have a counsellor lend a hand in switching to/sticking to a healthier lifer. The nature of the advice and the manner in which it is offered also matter. A new study by researchers at the Stanford School of Medicine, California explored timing as a factor that affects the success of such advice. Their study is published in Springer's Annals of Behavioral Medicine.
<p?Since we lead such hectic lives and face a barrage of health improvement messages from various media, we go one step at a time when we want to make any changes in our health. The new study counters this belief. It suggests that the scarcest resource is not motivation, but time. Once motivated, when we go about adopting only a single health advice, it's a waste of that motivation. It may be better to start off on two health aspects at the same time to encash on the motivation. To test this hypothesis, the researchers grouped their 200 participants in four ways.
Group 1
- : gets exercise advice first, nutrition advice four months later
Group 2
- : gets nutrition advice first, exercise advice four months later
Group 3
- : gets nutrition and exercise advice right from the first month
Group 4
- : gets neither… just stress management advice.
It would be prudent to note that all the participants were 45+ in age, led a sedentary life, ate a lot of fatty foods, ate very few fruits and vegetables, and had a stressful life. That's probably a profile that would fit many of us, but that's besides the point.
All three groups [1 – 3] started adopting healthier eating habits. But how the exercise advice was adopted showed variance. Group 1 quickly adopted good exercise habits by month 4, but Group 3 lagged behind. However after a year of starting on this venture, both the groups were doing the prescribed number of exercises. Group 2 was not able to do the prescribed amount of physical activity even after 1 year. Group 3 was eating healthy [as prescribed] and exercising [as prescribed] by the end of the year.
There is already some order inherent in eating food, since we have approximately fixed timings for breakfast, lunch and dinner. So it is easier to adapt to healthier eating habits than to physical exercise.
But when it comes to exercising, we may need to make time for it in our schedule. And that may get a bit difficult. Given the limited motivation, it is better to start off on both eating healthier as well as exercising.
This study gives a heads up to fitness trainers, nutritionists and physicians too that advice for nutrition and exercise should be given together and at the earliest.
Spot an error in this article? A typo maybe? Or an incorrect source? Let us know!


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La Palina Lounge Opens Inside New York's Carnegie Club
- May 24, 2017 |
- By Blake Droesch
A new cigar lounge in a familiar setting is now open in New York City.
La Palina Cigars celebrated the launch of its first-ever branded lounge inside midtown Manhattan's Carnegie Club last night, introducing several additions to the classic New York cigar bar, including new lockers, vintage decor and cigar offerings.
"It feels great. I now have my foothold in New York, back where it all started," said La Palina owner Bill Paley, sitting alongside company co-presidents Sam Phillips and Clay Roberts. Paley spent much of his youth in New York, where his father, media mogul William S. Paley, owned several homes.
The La Palina lounge occupies the second floor of the Carnegie Club. The upstairs section overlooks the bar and comfortably seats about twenty patrons. Twenty-two humidified lockers have been installed, which can be rented for an annual fee ranging from $1,000 to $1,500, depending on the size of the locker. (A box of La Palina Family Series comes with the rental.)
To make sure you know that you've stepped into the La Palina lounge, the humidified lockers at the top of the stairs bear the La Palina name. Paley has also put his stamp on the space with branded ashtrays, pillows and vintage artwork. A large neon sign has yet to be hung, but Paley plans on installing one to illuminate the far corner of the lounge. Carnegie Club will also feature several higher-end La Palina brands inside its humidor.
The Washington D.C.-based cigar company plans on utilizing this space for future cigar launches and events. The grand opening of the lounge marked the first official event, where guests sampled the company's Mr. Sam and El Diario cigars, sipped Angel's Envy whiskey and enjoyed a live jazz band.
Earlier in the day, Paley celebrated the 50th anniversary of his namesake Paley Park on 53rd Street. Situated between two buildings, the privately owned pocket-park is a well-kept secret among the city's cigar smokers, known as one of the few areas open to the public where cigar smoking is still permitted.
At Carnegie, Paley sat with his legs crossed in a tan suit, puffing on a cigar while reminiscing about the days of old New York.
"This is a great space," said Paley. "We're thrilled to have our cigars associated with a classic cigar bar like this."


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The Consequences of Communication
The Consequences of Communication
To start the new year, we'll be sharing a selection of thought pieces from Consortium Fellows who participated in our most recent Consortium Module, hosted by St Antony's College, University of Oxford.
In discussing her book, The Challenge of Authoritarian Regionalism, Anastasia Obydenkova outlined those international factors affecting the development and disintegration of autocracies, namely through international organizations. While Obydenkova examined numerous regional non-democratic organizations, such as the CIS and EEU, the SCO, personally, proved most controversial. The Shanghai Cooperation Organization (SCO), with Russia and China as key members, largely implements a security agenda, supporting authoritarian consolidation with appeals to stability, fighting terrorism, and protecting sovereignty. In so doing, the SCO directly challenges Western-espoused universal human rights norms and values. As Professor Alexander Cooley noted, the rhetoric of the organization allows for countries to bypass international human rights standards in the name of thwarting terrorism, separatism, and extremism. This has resulted in extra-territorial provisions and the blacklisting and identification of terrorists, who, in many cases, simply represent domestic opponents.
Although no particular ideology underlies the mission of the organization, this securitization framework offers human rights offenders an appealing and appreciated alternative to the largely Western-supported values system. How is the EU, for example, to counter the SCO and its rhetoric? How can those countries, advocating for liberal-democratic standards, reconcile their views and values with those of non-democratic organizations and states?
With the rise of illiberal democracies and populism, these questions will remain pertinent in the coming years, and, unfortunately, no easy answers exist. However, we must begin to examine and address our differences through honest dialogue. Although assuredly difficult to master, consistent, open dialogue may prove the only way to resolve the supposed clash and conflict in our values.
Together with empathy, listening was critical to our discussions and activities at this Consortium Module. Nevertheless, we should not underestimate the usefulness of these skills beyond our small circle of students and researchers. We cannot be so naïve to think that such skills will solve every problem, particularly those affecting complicated relations between Russia, Europe, and the United States. However, without communication, we can assure further division and isolation, consistent calls for non-interference in each other's internal affairs, and, likely, repeated human rights violations.


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The school system I work for renews the license for all Novell Products each year around mid-May. This includes a few ZENworks products like ZPM. Each year I go through a small time frame where ZPM license is incorrect I spend time working with Novell Customer Service to resolve. In some cases Shaun has had to help. I am again at that point in the year where my license is once again showing expired or invalid. What I am wondering is if I am failing to do something correctly during the renewal process that is causing this. I have multiple codes some of which show expired and some show nothing. I have also asked that in the Customer Center area those license codes be cleaned up so that I only see valid license that the school system owns and not everything that was ever looked at for the past 10+ years.
What should I be doing at renewal time to keep my ZPM (and other license) active and running without that small gap? I have asked my accounts clerk if the PO is going through before the due date and she states it is. Although the bill doesn't actually get paid until June.
I know this question is a little off topic but thought I would include it since I haven't received a resolution completely to this. Is there some way to clean up the districts Customer Center license so that only valid license is shown? I think there is at least 6 license for ZPM and it can be difficult to determine which one they wish used. Especially when the code used in the past is showing Expired now.
Thanks for the assistance.


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It's official! The two newest schools in Providence have their names. Formerly referred to as the "Opportunity by Design" schools, the two innovative high schools, whose creation was supported by a grant of the same name from the Carnegie Corporation of New York, now have distinct identities.
Monthly Archives: July 2015
Parent Forums
Come and meet Providence Schools Superintendent Chris Maher and share your views on the direction of our schools and how to make them stronger!
Foros para Padres
¡Conozcan al Superintendente de las Escuelas de Providence, Chris Maher, y compartan sus opiniones sobre el rumbo de las escuelas y cómo fortalecerlas!
Equine-assisted therapy making a noticeable difference
A van pulls up to the Providence Police stables in Roger Williams Park, and an excited little boy makes his way to the indoor ring, where another child is triumphantly finishing his session on horseback, trotting a bit, his tall, straight posture a noticeable improvement from just 30 minutes prior. The new participant waits eagerly, while the first dismounts and strides half the length across the ring, his adult companions cheering his steady, purposeful steps. Continue reading
Brown University honors 20 Providence scholars
Brown University honored twenty Providence high school graduates chosen to receive scholarships from the Fund for the Education of the Children of Providence during an event at President Christina Paxson's home on Wednesday evening, June 24, 2015.
What's on your reading list this summer?
Whether you are a teacher, administrator, serve on the Providence School Board or as a member of the Providence Schools support staff, those of us who work in education know that summer reading is particularly critical for students to retain their literacy skills. According to Scholastic, learning or reading skill losses during the summer months are cumulative, creating a wider gap each year between more proficient and less proficient students. Regardless of ethnicity, socioeconomic level or previous achievement, children who read four or more books during the summer fare better on reading comprehension tests in the fall than their peers who read one book or none over the summer.
Whether on the beach or on the porch, by a campfire or a bedside lamp, summer reading is also a fun escape for adults during the less hectic months while school is out of session. We are polling some of our staff to see what they're reading this summer and will publish their responses in our August issue. You may find a few titles to add to your list. Send your response to email@example.com. And, if you can't finish all of the books you'd like to read this summer, the quiet, snowy days of winter aren't far behind!
Lots of Hope urban greenhouse and farm open on Prairie Avenue
Offers an outdoor gardening laboratory for students
The first Lots of Hope greenhouse and adjacent small farm officially opened on Friday morning, July 10 on Prairie Avenue, offering the South Providence community a green open space that will extend the growing season for local urban farmers, help foster micro businesses, promote composting and serve Providence students.


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Alibaba has some new screen protectors for Apple's next round of iPods, expected to be released on Wednesday. In this particular rendering, the Nano has Wifi, though these manufacturers may only know about the screen size, if that.
They are also advertising a case for the new iPod Nano 6, below, which bears a striking resemblance to the older Shuffles. They also have room for a 30-pin connector.
Close ups, below, with room for clips on the back.:


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So, what happened on the first day at Mix 06?
Bill Gates delivered an impressive keynote speech where he outlined Microsoft's vision of using their products (such as IE 7, IIS 7, Vista, WPF, and Windows Live) to bring the web experience to a whole new level for both users and developers. Scott Guthrie also gave a presentation that effectively conveyed how quickly Atlas can be used to build an AJAX enabled web application. Finally, Tim O'Reilly quizzed Bill about some various topics and had some general Q&A with the audience.
I got my first glimpse of the latest build of IE 7. It has progressed a long way from the first beta. I really like how they have simplified the interface by removing a lot of the buttons. This saves a lot of screen real estate that can be used for displaying pages. There have also been some dramatic improvements to the security feature of the browser. For instance, if you reduce your security settings to a low level that puts your computer at risk, the browser will warn you about it. Even if you close the browser, you will get a warning about your security configuration the next time it is opened. In addition, a feature has been added that changes the color of the background of the address bar to red when you visit a reported phishing site. If you visit a site with a valid security certificate, then the background will turn green.
I also got my first real exposure to Windows Live and WPF. I must say that my jaw dropped in awe at some of the capabilities. The graphics abilities in WPF is simply amazing. Using XAML, it is incredibly easy to quickly develop powerful applications that take advantage of the framework. Windows Live is also a very compelling web platform. I am excited about getting home so I can experiment with some code to leverage the platform. It is very sexy the way Microsoft has architected Live using a mashup philosophy. Gadget integration in Live is going to revolutionize the way a lot of people use the web. I think I may have found a good topic for a Code Camp session.
So far, this has been an awesome conference that was well worth the trip.
Related posts
I'm a passionate software developer and advocate of the Microsoft .NET platform. In my opinion, software development is a craft that necessitates a conscious effort to continually improve your skills rather than falling into the trap of complacency. I was also awarded as a Microsoft MVP in Connected Systems in 2008, 2009, and 2010.
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Trying to choose a excellent adjustable bed in Gotham WI? Continue reading for vital information on exactly how to buy the very best adjustable beds in Gotham WI.
Which Are The Best Adjustable Beds in Gotham WI?
In addition to replacement mattresses that are really adjustable you may also purchase sleeper sofas that are adjustable. A few of the asking prices for all of these items are listed here just so you can get a crystal clear idea of what you can expect to spend for an adjustable bed, mattress or frame:
Pillow Top Reversible Mattress
The Empress mattress is actually a popular pillow top mattress concerning adjustable beds using the workhorse 312 coil innerspring. It includes an off white Damask cover having a open quilt design. Pillow top lies on both sides of the mattress for extended use. Begins at $500 and rises in price with the size.
Premier Mattress Bed
Totally personalized options and features. Innerspring comfort preferences in soft, medium or extra firm. The best sleep position for the head and feet is within reach having user-friendly hand controls and the Premier's Swift-Adjust motors. The Premier type comes standard with a high-density foam foundation and heavy-duty base put together with material that will not warp, break or squeak. Begins at around $1500 for a deluxe top twin and naturally goes steeper with price. One of the most costly one I discovered was for almost $4k and it was a king Firm Talalay Latex Core with Plush Quilted Cover. It's true, these can get steep but they seem amazingly comfortable!
Adjustable Bed
Adjustable Bed & Pillow Top Mattress can be bought at approximately $3k and the much smaller choices begin at around $600.Here is really a description I found for one online: Dual King Lifestyles E-91 adjustable bed comes with a cordless and computerized massage. Comes with Comes with Sleep worthy Pillow Top mattresses. Adjustable beds guard and improve enrich sleeping and relaxation.
Definitely with just about anything you purchase anyplace (offline or online) there certainly generally there is invariably going to be a price discrepancy however that's to be expected. Assuming that you get a twin bed without a doubt its going to cost a lot less than a giant king bed! These things have to be taken into account when reviewing beds, along with how much room you have. Even if you would like a king does not mean youare going to have room for it, especially with the adjustables since sometimes they can end up being quite bulky in size!
Did you find this content interesting? Feel free to distribute this article with your friends and family, that stay in Gotham WI. You never know if they could be looking to purchase an adjustable bed frame in Gotham WI.
Video: Craftmatic Adjustable Bed Prices in Gotham
See below for more related info:


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Visit the Chase website (see Resources below) and decide what kind of account you would like to open. Most people will likely choose the Chase Checking account. As of 2009, this account had no fees or minimum balance requirements when pay is direct deposited into the account.
Select the "Open Now" function to activate your online application. As an alternative, you can use the website to find a Chase branch near you and visit the bank in person to fill out an application, make a deposit and open a checking and/or savings account.
Provide Chase with the information requested, which includes your full name, current and past addresses, employment information, telephone number, date of birth and Social Security number.
Video of the Day
Make a deposit into the account online by transferring funds from a checking or savings account with another bank, or select the option to either mail in a deposit or visit a Chase branch with a deposit.
Wait to receive your checks and debit card. This usually takes about 10 business days once your deposit is received.


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Types of Engagement Ring and Wedding Ring Settings
If you're shopping for an engagement ring or wedding ring in Cleveland, you might be wondering what types of settings are available. A ring setting is the shank and head of a ring that contains the center stone. Although a ring's gemstone is usually the center of attention, the setting showcases the stone and defines the style of your ring.
When shopping for an engagement ring setting, also keep your wedding band in mind because you may wear the two rings at the same time. To avoid having an engagement ring and wedding ring that don't go well together, you may want to invest in a bridal set. A bridal set includes a woman's wedding band and an engagement ring. The advantage of purchasing a bridal set is that the wedding band and engagement ring go together perfectly. In addition, buying a bridal set is less expensive than buying a wedding band and an engagement ring separately. Ultimately, you may choose to wear your engagement ring on special occasions and only wear your wedding band on a regular basis since it is more symbolic of your union.
There's no right or wrong way to shop for a ring setting. You can pick a stone out and then choose a setting, or you can choose a setting first and then pick a stone. When it comes to settings, your options are virtually limitless. Below are some of the most common types of engagement ring and wedding band settings.
Prong Setting
A prong setting is a classic setting consisting of metal claws that raise a stone and allow light to shine through it. Prong settings typically have four to six prongs. Six prong settings are more secure but they tend to overwhelm smaller stones. Four prong settings showcase the center stone better.
The downside of a prong setting is that most of the stone's girdle is exposed, so the stone isn't well protected. The girdle is the widest part, or circumference, of a gemstone. Prong settings can also get caught in hair, clothing, or pantyhose.
Pave Setting
A pave setting consists of smaller gemstones that surround a central stone. The small gemstones are set very close together.
Channel Setting
A channel setting consists of two horizontal tracks of precious metal that sandwich a row of gemstones. Channel settings are popular for wedding bands. Channel settings hold small stones together better than pave or prong settings, but they are not recommended for fragile gemstones, such as opal and emerald.
Bezel Setting
The bezel setting is one of the earliest types of ring settings. It involves setting a gemstone into a thin, flat piece of metal. A metal rim may partially or fully surround the stone's perimeter. A bezel setting secures the stone well and protects the girdle of a stone from being chipped or nicked. The metal of a bezel setting can be molded to perfectly fit a stone.
Bar Setting
The bar setting consists of small stones with vertical bars of metal between them that secure them in place. The bar setting has a contemporary look and protects the sides of the stones' girdles. A disadvantage of the bar setting is that it leaves the top and bottom of the stones exposed.
IMG Jewelers is a family-owned jewelry store in Cleveland, Ohio that offers a variety of engagement ring and wedding band settings. View our collection online or come to our showroom in Lyndhurst to find the wedding or engagement ring of your dreams!
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Host A Class
Do you have space to host a Cooking Matters class? More info here!
host a class
Does your organization, place of worship, living facility, or school serve low-income individuals that would benefit from our program? Complete and submit a Host Site Application to receive more information about hosting a six-week Cooking Matters series. For more information on our different curricula, check out our menu of Cooking Matters Curricula here.


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Send us your New Haven photos:
College town
New Haven is a city in New Haven County.
It is the county seat.
The community was named for a port in Sussex. Its meaning was reinforced when it became a refuge for Puritan settlers.
The latitude of New Haven is 41.31N. The longitude is -72.924W.It is in the Eastern Standard time zone. Elevation is 59 feet.
The estimated population, in 2003, was 124,512.
Col. Edward Whalley and his son-in-law Col. William Goffe, two of the men who signed the death warrant for King Charles I, fled here and hid in a cave on the top of West Rock.
Eli Whitney, inventor of the cotton gin, established a gun factory here.
New Haven prospered as an industrial city in the 19th century, manufacturing weapons, carriages, clocks and other goods.
The local economy - and the city core - declined when factories closed after World War II.
Sections below provide additional information and links about New Haven demographics, travel and tourism, nearby airports, cemeteries, the New Haven County economy, education, environment, genealogy, government, historic sites, New Haven area jobs, libraries, maps, museums, newspapers and other media, nonprofit groups, real estate, recreation, religion, transportation, and weather in the 06510 ZIP code.
4% of New Haven residents report German ancestry, and 7% report Irish. For more info on local ancestry groups, see the New Haven ancestry & family history guide.
Post a query on a message board:
Records & databases:
At the time of the 2000 census, the per capita income in New Haven was $16,393, compared with $21,587 nationally.
27% of New Haven residents age 25 and older have a bachelor's or advanced college degree.
Dates often change. Check with local tourism officials to be sure.
New Haven festival web sites:
Historic districts in New Haven include Beaver Hills Historic District, Dwight Street Historic District, Edgewood Park Historic District, Howard Avenue Historic District, New Haven Green Historic District, Orange Street Historic District, Oyster Point Historic District, Prospect Hill Historic District, Quinnipiac River Historic District, Trowbridge Square Historic District ... View historic districts
Median rent in New Haven, at the time of the 2000 Census, was $562. Monthly homeowner costs, for people with mortgages, were $1,231.
Libraries in New Haven include Fair Haven Branch Library, Mitchell Branch Library, New Haven Free Public Library, Stetson Branch Library ... View libraries
Newspapers in New Haven include New Haven Register
TV stations in New Haven include WCTX, WEDY, WTNH.
New Haven restaurants taking online reservations include Caffe Adulis, Central Steakhouse, Kudeta, La Piazza, Scoozzi, Thali Regional Cuisine of India- New Haven, Zinc ... View restaurants
The average commute time for New Haven workers is 22 minutes, compared with 26 minutes nationwide.
A total of 44 fatal motor vehicle accidents occurred in New Haven between 2001 and 2003, according to reports gathered by the National Highway Traffic Safety Administration.
This is a rate of 3.6 fatal crashes per 10,000 population, which was slightly lower than the national norm.
New Haven, CTPros: good nightlife, colleges, food, shopping
Cons: traffic, cleanliness, poor areasSee all 2 reviews for New Haven
More info about New Haven:
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Search Associate's degrees, Bachelor's degrees, Master's degrees, Certificate programs, Diploma programs, and many others.
Enter your ZIP or Postal code to find schools near you. Your dream major may be just around the corner!


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03-18-2017 01:42 PM - edited 03-18-2017 01:45 PM
03-18-2017 01:42 PM - edited 03-18-2017 01:45 PM
So after waiting for an entire year to have Estonia finally added to the list of supporded countires I now have the need for a new controller, but apparently they refuse to sell me one.
I managed to order a new 3 in 1 cable, but when I try to order a controller I get the following message:
The following products are restricted by the shipping country you specified.
You may go back and change your shipping information, or you may continue with your specified shipping country and have the following items removed from your order:
Now why would you go and do such a thing? Why would you just refuse to sell me one of your producs while letting me buy another? I need a now controller so I'd appreciate some help here. :smileysad:
Solved! Go to Solution.
Hi @Raul
We're looking into this. I'll try to get you an answer by tomorrow.
-John C
03-21-2017 02:27 PMSolution
Have you tried ordering it from here? https://www.vive.com/eu/accessory/
If you do get an error, please take a screenshot for us.
Thank you,
-John C
03-21-2017 03:26 PM - edited 03-21-2017 03:34 PM
03-21-2017 03:26 PM - edited 03-21-2017 03:34 PM
Thanks for getting back to me. I'm pretty sure that this is the same store I tried to buy from. The interesting thing now is that I noticed that there is a "Checkout via PayPal" button underneath the regular blue "Checkout" button on the shopping cart screen. I don't know if it was there before and if I didn't notice it, but I tried to use that one instead and now it did actually accept my order. :smileyhappy: . I got the Order Confirmation and Recpet emailed and they have the correct address.
The interesing thing though is that when I last tried it I used the regular Checkout button and tried to pay with PayPal as well. Sometimes it immediately rejected it with the message in the OP and sometimes it directed me to PayPal and let me attempt to pay only to reject afterwards.
So I'm not sure if something changed or the regular Checkout button is a little wanky.
On a sidenote for some reson Estonia is missing from the "Change country" selection screen, but it does appear in the shipping destination selection screen when checking out.
Anyway I'm very glad I got to order it now. :smileyhappy:
Very happy we could help!
I hope you enjoy it!
-John C


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I usually start my blogs out with something amusing to get the readers' attention.
This time I thought the picture makes a great point. Every business plan is good for something – then there's that whole perceived value thing. This article will give some tips to creating an executive summary targeted to private lenders for commercial real estate.
Personalize Each Submission
Investors looking for funding or joint ventures should tailor their documents to match the recipient's interest if they wish to be taken seriously. Because of competition in the industry, private lenders don't publish their criteria, rates, or preferred deals. Each deal is evaluated on its own merit and a decision to work with a borrower or JV partner is based on a small window of opportunity via the executive summary.
Integrity of the Borrower
One of the biggest challenges in the private lending business is extracting information from executive summaries and gathering information to present to our lending groups. Loan requests and business proposals should be prepared with the intent to answer all of the lender or investor's questions. Trust and integrity is a big part of the presentation. A lack of financial information or a reluctance to give information about the borrower raises a red flag to the lender.
Document Format
PowerPoint presentations are great when you are in a meeting setting, but should not be used as a request to do business. Your ES should be limited to two pages of text in a Word document or PDF. Use a file name that indicates the project name and the amount of the loan. For example, Venus and Mars Apartment Purchase – 4MM.pdf. If you feel the need to send a complete business plan or photos of the property, include those as separate documents.
Your Objective
Tell the lender what you are after. If you want a loan, be specific. If you want an investor or joint venture, give the investor an idea of what this is going to cost him. The objective answers the first question for the lender. Give the loan amount, LTV, and terms you are asking for.
The Property
The lender wants to know how the loan will be secured and what his risk is. What is the property worth? You should always have an appraisal before asking for a loan. The type of property and class should be indicated. What are you paying for it? Do you have a purchase contract? Are there deadlines? Why are you buying this property? Lenders are specific about which cities they will invest in and need to evaluate the property based on current financials.
The Management
Many investment proposals indicate that the buyer will make improvements and change management to improve occupancy rates and cash flows. Indicate the experience of the management team, developer, or contractor and their track record. Indicate why you think you will manage the property better than the current owner. The lender may also ask for resumes.
Financial Summary
Your financial summary should include the acquisition costs, income, expense, cash flow, and financial indicators. The borrower's down payment or equity should be clear. Indicate current and stabilized NOI, occupancy rates, and optimal IRR, debt coverage ratio, and capitalization rate.
Personal Financial Statement
Strength of the borrower is one of the main deciding factors in every deal. Some investors believe they can hide behind the corporate veil or use an LLC as the purchasing entity. Most CRE loans are recourse loans and the lender will ask for a PFS for anyone with 20% or more ownership. A majority ownership in this business is defined by 81% ownership. Along with the PFS the lender will ask for three years' tax returns. This does not need to be included in the ES, but should be mentioned in the cover letter.
The Market
Understanding economics is necessary when determining the market demand and why the market is stable or improving. This information can be obtained by commercial real estate firms in the area. Secondary market research from a credible source goes a long way. Include rents and occupancy rates in the surrounding area for similar property types and class.
Exit Strategy
Multiple exit strategies are a good thing. Your plan should briefly describe what improvements are needed and their cost, how much money you expect to make and the timeframe. You should also indicate your contingency plan if things go wrong and how to access the profits or future financing plans.
The executive summary is a summary of the essential elements of your business plan. Many summaries come across as propaganda or include information that does not pertain to the property itself; instead, they contain mission statements, and photos of non-related properties. Customizing the ES for a lender or investor, along with a well written cover letter will result in consideration and respect as a professional investor.


text: MannKind Corporation (NASDAQ: MNKD)MannKind is having a rough day in the market today, and while many are ostracizing the stock, I believe that it is presenting quite the opportunity. The reality is that MNKD has done what I've thought they should do for quite some time now. MannKind cut ties with Sanofi! Today, we'll talk about why the agreement between MannKind and Sanofi … [Read more...]


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IBS Talk and Sharing of Experience By Mr. Hilmi (Site Manager): Housing Project Management by using Industrialized Building System (IBS) Method. Case Study – Felda Laka Selatan.
On 28th of April 2016, an IBS Talk and Sharing of Experience was held at the School of Environmental Engineering, UniMAP. The talk was conducted by Mr Hilmi, the site manager for the IBS Housing Project at Felda Laka Selatan, Kedah. Participants included final year students of Civil Engineering program, postgraduate students, a few lecturers from Civil Engineering, and also six lecturers from Universiti Utara Malaysia.
By: Dr Hj. Umar Bin Hj Kassim


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The information on the Site is intended solely for information and it is not intended to constitute medical advice and readers should not rely on it as such. You should not use the information on the Site to replace the relationship with your Doctor or other healthcare personnel. Nothing contained on the Site is intended to be used for medical diagnosis or treatment.
While The Doctors Laboratory attempts to keep all the information on the Site up-to-date, the Site should not be considered error-free or as a comprehensive source of information on a particular topic. The Doctors Laboratory makes no warranties or representations as to the accuracy of the content of the Site, and assumes no responsibility for any consequences relating directly or indirectly from any action or inaction you take based on the information on the Site.
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The Doctors Laboratory Limited is registered in England under Company No. 02201998 at The Halo Building, 1 Mabledon Place, London WC1H 9AX.
Tel: 020 7307 7373
Website contact: firstname.lastname@example.com


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