text:
Where are the 'experts'????
Thought for the day…"Don't live the same year 90 times and call it a life"
"When life gives you a rainy day, play in the puddles".
Computers have been around for a long time now, since the last century indeed. Some of us grew up with them, starting with the famous Sinclair ZX Spectrum and the says of loading programs with tapes. But despite computers having been around for decades, they still do not work as they should. Why is it that there are still so many problems with things that by now should be simple, like logging into wifi?? Why do computers seem to have endless problems and need endless updates? And where are the 'experts'?? Surely by now they could have sorted out all the teething problems and have produced computers that do work without needing constant attention. I would love to sit next to Bill Gates on a long flight and pass him my laptop and ask him to make it work properly. It seems that the so-called 'experts' are not so expert. How often have you heard the advice to restart the computer (ie. pull the plug out)?? And why have these 'experts' not managed to sort out the problems after all these years. I just want a computer that works as it should and does not need constant attention. Is that too much to ask???
Off to Norway for the photo today…and to the harbour port of Kristiansund, seen here on a beautiful summer's day.
and another photo from the archives…..fishermen returning home in Croatia….
Why I am glad that I am not 16 years old again
Thought for the day…"Always remember to take your vitamins. Take Vitamin A for ACTION, take vitamin B for BELIEF, take vitamin C for CONFIDENCE, take vitamin D for DISCIPLINE, and take vitamin E for ENTHUSIASM"
Just had another birthday, and once again, I thought how glad that I am NOT 16 years old again. Recently I went to a Countdown supermarket and was forced to use the self-service checkouts (normally I avoid them) as there were no staff working the 'manned' check-outs. Whilst self-service check-outs might be profitable for the supermarket shareholders, the problem is that they are doing many people out of jobs. The same thing has happened at airports (= less check-in staff working on the desks) and hotels which increasingly have automatic check in (= less receptionists). Cruise ships are introducing robotic barmen capable of mixing and serving drinks (= less bar staff), petrol stations are increasingly becoming automatic (=less cashiers). The list goes on, meaning less and less jobs. All very good for shareholders, but not so good for the school leavers who are looking for jobs. Often in supermarkets they try and steer me towards the self-service checkouts, but I try and choose a manned check-out. One day, the trend might go the other way, when somebody realizes that the PERSONAL touch means so much. Keep people employed !!
Great, punchy colours from the Fuji camera for the photo today….a colourful market scene……
and another photo from the archives…a cruise ship visits Dubronik, Croatia….
Why do they do it?
Thought for the day…" Some days there will not be a song in hour heart. Sing anyway".
"Shoot for the moon. Even if you miss then you will end up among the stars".
I have no sympathy or patience for the increasing numbers of people who are walking along pavements with their head down, concentrating on a mobile telephone, and oblivious to the outside world. Now I refuse to move out of their way. TMCnet.com is reporting that a poll of British doctors has shown that 37% of UK smartphone users have stumbled in the last 2 years. The study also reported that 40% of Greek smartphone users damaged their phones in stumbling accidents over the last 2 years. And sites such as youtube have videos showing mobile phone users walking off piers in the sea or into canals or fountains whilst texting. So why do people do it?? What is so important that it needs a text to be sent whilst walking??? Moan for the day.
A sunny day in the Croatian city of Dubrovnik for the photo today and a shot of the Costa Victoria cruise ship. The ship carries up to 1928 passengers and a crew of 766, whilst about 42 000 people live in the city of Dubrovnik.
and another photo out of the archives….Gospel day in the Cook Islands….
http://www.qualitysparesort.com http://www.qualityresortnorefjell.com
Coming Home, end of the day
Thought for the day…." The secret of getting ahead is getting started" (Mark Twain).
"Nothing is enough for whom enough is too little".
A photo from the Adriatic Sea and from Croatia, with some local fishermen returning home to one of the islands near Split. Croatia became independent from Yugoslavia in 1991, and is now a member of the European Union. Along the coast of Croatia, there are over 1000 islands, with the largest being Krk. It is said that Croatia has the smallest town in the world (Hum), which has a population of only 23 people !! It is also believed the the famous traveller Marco Polo was born on the Croatian island of Korcula, and it is believed that the parachute was also invented in Croatia in the 17th century.
One of the positive effects of the karst (limestone) rocks around Croatia is that the seabed is often sharp and jagged, making fishing with large trawling nets impossible. Fishing with handlines and small nets has meant that fish stocks have been preserved, and have also prevented the large factory ships from fishing in this area, so fish stocks are good. Some interesting birds around the boat in the photo too.
and one from the archives…. sunset in Nicaragua
http://www.qualitysparesort.com http://www.qualityresortnorefjell.com http://www.norefjellspa.com
Five A Day, and colourful – Not the Quality Spa Resort Hotel, Norefjell.
Thought for the day…" Life is the art of drawing without an eraser".
" Opportunity is missed by most people because it is dressed in overalls and looks like hard work" (Thomas Edison).
Another colourful market scene today, taken in bright sunlight which really made the colours stand out. The idea was to get in closer and fill the shot with colour. Certainly worked here. The photo was taken a few years ago in a market in Split, Croatia. At that time, the photos were taken as JPEG photos, which had the advantage of taking up less space on memory cards and also being ready to use without lots of editing.
The disadvantage of JPEG though is that it is a way of storing photos that compresses and loses quality, so every time that the photo is edited then it loses even more quality. The big advantage of taking photos in RAW is that you get in effect a digital 'negative' so that you can make pictures from it and also edit it without destroying the original image data. Once you get used to editing RAW images, then they are almost as quick as using jpeg pictures, albeit with larger file sizes.
I guess that anybody over about 20 years old will have missed out on the thrill and excitement of waiting for that envelope of photos to come back through the post from the processing laboratory, or the excitement (and frustration!) of waiting for the local Kodak or Fuji shop to process the photos. Even one hour was a long time to wait sometimes……but now it is all instant and digital.
http://www.qualitysparesort.com www.qualityresortnorefjell.com www.norefjellspa.com
ANGER ! – Not the Quality Spa Resort Hotel, Norefjell.
Thought for the day.." Do stairs go up or down? " " Do coffins have lifetime guarantees? "
Just been reading about Banamageddon, and details of the serious disease that is affecting bananas worldwide. This disease is a fungus which affects the roots, and at the moment, cannot be contolled or stopped. Surprising to read that it is UGANDA which holds the record for the highest consumption of bananas each year, with each citizen there eating an average of 0.70kg each DAY. That means that each person eats around 240 kg of bananas a year. As bananas are some important in Uganda, the same word is used for both food and for bananas (matooke). And rather surprising that due to the high levels of Potassium (especially Potassium-40) that they have higher levels of radioactivity.
Despite the sunshine and warm weather, it was obviously an angry moment for this Croatian couple seen in Dubrovnik. Even if you do not speak Croatian, then you can imagine the words that are coming out of his mouth!
http://www.qualitysparesort.com http://www.qualityresortnorefjell.com www.norefjellspa.com
An excellent idea to encourage politeness – Not the Quality Resort Hotel, Norefjell.
Thought for the day.." Motivation is like food for the brain. You cannot get enough in one sitting. It needs continual and regular top-ups".
I saw an interesting story in the news about a cafe owner in Nice,Cote D'Azur, France who is offering cheaper prices customers who are polite when ordering. A cup of coffee is 7 euros, but if customers say "good morning" and also "please" then the price is only 1.40 euros. The idea is to make customers more polite and considerate. An excellent idea! Just look around the next time you are in a shop or cafe and see just how rude and unpleasant many customers can be. And even worse is when the continue to talk to somebody else on a mobile phone whilst making a purchase. Charge them more I say !!! Great idea by the French cafe owner, and one which I hope catches on.
A summer's day in Croatia and the fishing village of Cavtat (southern Croatia) for the photo today. Croatia is also known as Hrvatska, and has a population of around 4.2 million. Tourism accounts for about 20% of the GDP, but unemployment is over 20% as well. It was formerly part of Yugoslavia, but became independent in 1991. It is now a member of the European Union. Interestingly, the money, called 'Kuna' was named after a small rodent!! The town in the photo today got its name from the latin language, Cavtat, or old city (civitas vetus). It is now a popular day trip destination for tourists.
http://www.qualitysparesort.com http://www.qualityresortnorefjell.com http://www.norefjellspa.com
Oslo Autumn – Not the Quality Spa Resort Hotel, Norefjell
Thought for the day…." Excuses are nails used to build the house of failure".
" What we must decide is not how valuable we are, but how we are valuable".
Curious story in the news about an ice-cream maker in Bristol, England who has developed jellyfish ice-cream that glows in the dark. Due to the chemicals in the ice-cream reacting, it glows when you eat it. It must be a very strange flavour!. The same creator (Charlie Francis) has previously made a gin & tonic ice-cream flavoured with quinine, which is normally used to treat malaria. And then there was the Croatian shop who made 'Facebook' ice-cream, a blue mixture that tasted of sweets and gum.
An autumn day in Oslo in today's photo, and the new (and no doubt, expensive) apartments and museum at Aker Brygge. This was the site of a shipyard until 1998. The city of Oslo is growing at a very high rate, and currently has over 950 000 people. It is often rated as one of the most expensive cities in the world (along with Geneva and Tokyo), and was originally known as Christiana. Interestingly, in the Norwegian language (and also in Swedish) that there is no word for 'please'.
http://www.qualitysparesort.com http://www.qualityresortnorefjell.com http://www.norefjellspa.com
Summer in Croatia – Not the Quality Spa Resort, Norefjell.
Thought for the day…." Love is composed of a single soul inhabiting two bodies".
" If knowledge can create problems, it is not through ignorance that we can solve them".
There is a strange story in the news at the moment about Brent Council in London, England. They have installed a hologram 'receptionist', a moving human image who 'answers' questions from visitors. Brent Council says that the hologram will save GBP 17000 a year. This is after they spent GBP 90 million on a new civic centre, which opened this year. And perhaps they forget, that one less (real) person will now not have a job, and will presumably have to be supported by the government there. False economy?? And in these hard economic times, should any local government be spending GBP 90 million on a new civic centre?? Surely hospitals and schools come first, well before any civic centres. Perhaps we should ask the hologram receptionist for the answers? Stop the world, I want to get off……………………………………
Off to Split, Croatia for the photo today, and the harbourside in the city centre. Situated on the Adriatic Sea, Croatia was the home of the famous traveller Marco Polo.. It was formed in 1991 when it became independent from the former Yugoslavia, and it has recently become a member of the European Union. It has more than 1000 islands along its coast. An interesting fact is that the White House (Washington, USA) is built of Croatian stone, as is the Austrian Pariliament building in Wien, Austria. Croatia was also the site of the world's first hydro electric power station in 1895 (Sibenik). The town of Hum in Istria is said to be the world's smallest town, with just 23 citizens.
http://www.qualitysparesort.com http://www.qualityresortnorefjell.com
Photo of the Day Sunday 23rd June 2013 – Not the Quality Spa Resort Hotel, Norefjell.
Thought for the day.." On the keyboard of life, always keep one finger on the escape key".
" Needing someone is like needing a parachute. If they are not there the first time, chances are you will not be needing them again".
With all the publicity at the moment for the 787 and the Paris Air show, there are some interesting facts about the world's longest flights. On 9th November 2005, a Boeing 777 -200LR flew from Hong Kong to London eastwards, covering 21 602km in 22 hours 22 minutes. The aircraft carried 8 pilots for this flight. But the overall record flight is surprisingly still held by a propellor driven aircraft, the Lockheed Starliner. The TWA flight from London to San Fransisco via the Polar route on 1 October 1957 flew for 23 hours 19 minutes non-stop. Between 1943 and 1945, Qantas operated a Catalina flying boat between Western Australia and Sri Lanka, with a flight time of between 28 hours and 33 hours, called the Double Sunrise service. Until November this year, the Singapore Airlines flight from Newark to Singapore (15 345 km) holds the current record for the longest flight, with a flight time of 18 hours 45 minutes.
http://www.qualitysparesort.com http://www.qualityresortnorefjell.com


text:
- Moraine
This article is about geological phenomena. For other uses, see Moraine (disambiguation).
A moraine is any glacially formed accumulation of unconsolidated glacial debris (soil and rock) which can occur in currently glaciated and formerly glaciated regions, such as those areas acted upon by a past glacial maximum. This debris may have been plucked off a valley floor as a glacier advanced or it may have fallen off the valley walls as a result of frost wedging or landslide. Moraines may be composed of debris ranging in size from silt-sized glacial flour to large boulders. The debris is typically sub-angular to rounded in shape. Moraines may be on the glacier's surface or deposited as piles or sheets of debris where the glacier has melted. Moraines may also occur when glacier- or iceberg-transported rocks fall into a body of water as the ice melts.
Types of moraines
Moraines can be classified either by their origin or shape. The first approach is suitable for moraines associated to contemporary glaciers but more difficult to apply to old moraines whose glaciers have disappeared long ago. Moraines types like rogen and veiki moraines are defined by their particular morphology since their origin has been a matter of dispute. Some moraine types are only known from ancient glaciers, like the two former ones, while medial moraines of valley glaciers are poorly preserved and difficult to distinguish after the retreat or melting of the glacier.
Lateral moraines
Lateral moraines are parallel ridges of debris deposited along the sides of a glacier. The unconsolidated debris can be deposited on top of the glacier by frost shattering of the valley walls and/or from tributary streams flowing into the valley. The till is carried along the glacial margin until the glacier melts. Because lateral moraines are deposited on top of the glacier, they do not experience the postglacial erosion of the valley floor and therefore, as the glacier melts, lateral moraines are usually preserved as high ridges.
Lateral moraines stand high because they protect the ice under them from the elements, which causes it to melt or sublime less than the uncovered parts of the glacier. Multiple lateral moraines may develop as the glacier advances and retreats.
Ground moraines
Ground moraines are till covered areas with irregular topography and no ridges, often forming gently rolling hills or plains. It is accumulated at the base of the ice as lodgment till, but may also be deposited as the glacier retreats. In alpine glaciers, ground moraines are often located between the two lateral moraines. Ground moraine may be modified into drumlins by the overriding ice.
Rogen morainesMain article: Rogen moraine
Rogen moraines or ribbed moraines are a type of basal moraines that forms a series of ribs perpendicular to the ice flow in an ice sheet. The depressions between the ribs are sometimes filled with water making the Rogen moraines look like tigerstripes on aerial photographs. Rogen moraines are named after Lake Rogen[1] in Härjedalen, Sweden, the landform's type locality.
End or terminal morainesMain article: Terminal moraine
End moraines, or terminal moraines, are ridges of unconsolidated debris deposited at the snout or end of the glacier. They usually reflect the shape of the glacier's terminus. Glaciers act much like a conveyor belt, carrying debris from the top of the glacier to the bottom where it deposits it in end moraines. End moraine size and shape is determined by whether the glacier is advancing, receding or at equilibrium. The longer the terminus of the glacier stays in one place the more debris will accumulate in the moraine. There are two types of end moraines; terminal and recessional. Terminal moraines mark the maximum advance of the glacier. Recessional moraines are small ridges left as a glacier pauses during its retreat. After a glacier retreats the end moraine may be destroyed by postglacial erosion.
Recessional moraine
Recessional moraines are often observed as a series of transverse ridges running across a valley behind a terminal moraine. They form perpendicular to the lateral moraines that they reside between and are composed of unconsolidated debris deposited by the glacier. They are created during temporary halts in a glacier's retreat.[2][3]
Medial moraine
A medial moraine is a ridge of moraine that runs down the center of a valley floor. It is formed when two glaciers meet and the debris on the edges of the adjacent valley sides join and are carried on top of the enlarged glacier. As the glacier melts or retreats, the debris is deposited and a ridge down the middle of the valley floor is created. The Kaskawulsh glacier in the Kluane National Park, Yukon, has a ridge of medial moraine 1 km wide.
Supraglacial moraines
Supraglacial moraines are created by debris accumulated on top of glacial ice. This debris can accumulate due to ice flow toward the surface in the ablation zone, melting of surface ice or from debris that falls onto the glacier from valley sidewalls.
Washboard moraines
Washboard moraines, also known as minor or corrugated moraines, are low amplitude geomorphic features caused by glaciers. The name "washboard moraine" refers to the fact that, from the air, it resembles a washboard.
Veiki moraineMain article: Veiki moraine
A Veiki moraine is a kind of hummocky moraine that forms irregular landscapes of ponds and plateaus surrounded by banks. It is formed by the irregular melting of an ice covered with a thick layer of debris. Veiki moraine is common in northern Sweden and parts of Canada.
See also
- Geologic features related to moraines
- Glacial landforms
- Drumlin
- Esker
- Moraine-dammed lake
- Terminal moraine
- Rogen moraine
- Moraine examples
- Easterbrook, D. J. (1999) Surface processes and landforms. (Second Ed). Prentice Hall, Upper Saddle River, New Jersey.
- Benn, D. I. and Evans, D. J. A. (1998) Glaciers & Glaciation. Oxford University Press, New York, NY.
- ^ Möller, P., 2006. Rogen moraine: an example of glacial reshaping of preexisting landforms. Quaternary Science Reviews, 25:362-389
- ^ Benn, D. I. and Evans, D. J. A. (1998) Glaciers & Glaciation. Oxford University Press, New York, NY.
- ^ "Moraine." Columbia Electronic Encyclopedia, 6th Edition (2009): 1. Academic Search Complete. EBSCO. Web. 6 Oct. 2010.
Glaciers Types of glaciers
- Cirque glacier
- Ice cap
- Ice field
- Ice sheet
- Ice shelf
- Ice stream
- Outlet glaciers
- Rock glaciers
- Valley glaciers
- Ledoyom (Ice body)
Anatomy Processes Measurements Glaciovolcanic relations Glacial landformsErosional
- Arête
- Cirque
- Crag and tail
- Fjord
- Glacial horn
- Glacial striae
- Hanging valley
- Ribbon lake
- Roche moutonnée
- Tunnel valley
- U-valley
- Drumlin
- Drumlin field
- Erratic block
- Moraine
- Pulju moraine
- Rogen moraine
- Terminal moraine
- Till plain
- Veiki moraine
- Esker
- Kame
- Kame delta
- Kettle hole
- Outwash fan
- Sandur
- Giant current ripples
- Diluvium
- Glaciology
- Category:Glaciers
- Glaciology
- Sediments
- Moraines
- Alpinism
Wikimedia Foundation. 2010.
Look at other dictionaries:
moraine — [ mɔrɛn ] n. f. • 1779; savoyard morena « bourrelet de terre », d un rad. prélatin murr « tertre », ou du lat. mora « obstacle » ♦ Accumulation de débris entraînés, puis abandonnés par les glaciers. Moraines latérales, médianes, frontales. ●… … Encyclopédie Universelle
Moraine — Downtown Moraine Lage in Ohio … Deutsch Wikipedia
moraine — 1. (mo rê n ) s. f. Terme de géologie. Falaise, terres escarpées au bord d un torrent, d une rivière, d un lac. • Cette moraine, haute de 100 à 150 pieds, borde au nord est le petit lac que nous côtoyions, SAUSSURE Voy. Alpes, t. III, p. 413,… … Dictionnaire de la Langue Française d'Émile Littré
Moraine — Mo*raine , n. [F. Cf. Prov. G. mur stones broken off, It. mora a heap of stones, hillock, G. m[ u]rbe soft, broken up, OHG. muruwi, AS. mearu tender, Gr. ? to cause to wither, Skr. ml[=a] to relax.] (Geol.) An accumulation of earth and stones… … The Collaborative International Dictionary of English
moraine — [mə rān′, môrān′] n. [Fr < dial. morêna < morre, muzzle, akin to Sp morro, snout, headland < VL * murru, echoic word for snout] a mound, ridge, or mass of rocks, gravel, sand, clay, etc. carried and deposited directly by a glacier, along … English World dictionary
Moraine — Moraine, OH U.S. city in Ohio Population (2000): 6897 Housing Units (2000): 3127 Land area (2000): 9.070917 sq. miles (23.493566 sq. km) Water area (2000): 0.272740 sq. miles (0.706393 sq. km) Total area (2000): 9.343657 sq. miles (24.199959 sq.… … StarDict's U.S. Gazetteer Places
Moraine, OH — U.S. city in Ohio Population (2000): 6897 Housing Units (2000): 3127 Land area (2000): 9.070917 sq. miles (23.493566 sq. km) Water area (2000): 0.272740 sq. miles (0.706393 sq. km) Total area (2000): 9.343657 sq. miles (24.199959 sq. km) FIPS… … StarDict's U.S. Gazetteer Places
moraine — (n.) ridge of rock deposited by a glacier, 1789, from Fr. moraine (18c.), from Savoy dialect morena mound of earth, from Prov. morre snout, muzzle, from V.L. *murrum round object, of unknown origin, perhaps from a pre Latin Alpine language.… … Etymology dictionary
Moraine — Nom porté à la fois dans les Ardennes et dans l Ouest (35). Variante : Moraines (53, 14). Apparemment une variante (ou un matronyme) de Morain, autre forme de Morin (voir Maurin pour le sens) … Noms de famille
moraine — ► NOUN ▪ a mass of rocks and sediment carried down and deposited by a glacier. ORIGIN from French dialect morre snout … English terms dictionary

subset: commoncrawl


text:
Lecturer and Director of the Towson University Art Galleries
Department of Art + Design, Art History, Art Education
College of Fine Arts and Communication
The College of Fine Arts and Communication invites applications for a non-tenure track, 10-month faculty appointment with supplemental summer stipends in the Department of Art + Design, Art History, Art Education beginning August, 2015.
Master's degree (MA or MFA), PhD or degree terminal to the field and at least three years of experience as a museum or university gallery curator or director/curator. Excellent writing skills. Experience in grant writing and knowledge of exhibition procedures including curating, design, installation and museum best practices. Excellent interpersonal skills and the ability to establish a strong rapport with varied community audiences required. Teaching experience at the university level in area of applicant's discipline.
Towson University:
Towson University (www.towson.edu) was founded in 1866, is recognized by U. S. News and World Reports as one of the top public universities in the Northeast and Mid-Atlantic regions, is Baltimore's largest university, and is the largest public, comprehensive institution in the University of Maryland System. TU enrolls over 18,000 undergraduates and approaching 4,000 graduate students across six academic colleges (business, education, fine arts, health professions, liberal arts, science & mathematics), has over 865 full-time faculty, and offers more than 65 bachelor's, 45 master's, and 5 doctoral programs. Our centrally located campus sits on 330 rolling green acres and is 10 miles north of Baltimore, 45 miles north of Washington D.C., and 95 miles south of Philadelphia.
Application Process:
Review of applications begins immediately and continues until position is filled. Submit letter of application, curriculum vitae, 20 digital images of scholarly or professional work, statement of teaching philosophy and contact information for three professional references. Official transcripts will be required if an offer is extended. Send required material by May 8, 2015 to Professor J. Susan Isaacs, Department of Art + Design, Art History, Art Education, Towson University, 8000 York Road, Towson, MD 21252.
A Criminal Background Investigation if required for the hired candidate and the results may impact employment.
Please be sure to visit http://www.towson.edu/odeo/applicantdata.asp to complete a voluntary on-line applicant data form. The information you provide will inform the university's affirmative action plan and is for statistical-related purposes only. The information will not be used for any other purpose. Please note that the search number for which you have applied is: COFAC-N-2859L.
Towson University is an equal opportunity/affirmative action employer and has a strong institutional commitment to diversity. Women, minorities, persons with disabilities, and veterans are encouraged to apply.
Job Requirements
The Lecturer and Director of the University Art Galleries will teach two courses per year in their area of expertise, a course with MFA students, and provide support for the museum studies program. The Lecturer and Director of the University Art Galleries provides leadership, direction, and oversees two gallery spaces (The University and Holtzman Galleries) in collaboration with faculty and staff. Ongoing responsibilities include: conceptualizing, scheduling, and creating a 2-5 year exhibition schedule; grant writing and development/fundraising efforts; creating partnerships across campus for programmatic initiatives; oversee staff including curator and gallery installer; maintain annual gallery budgets; oversee and direct faculty gallery committee; curate MFA exhibitions; provide best practices for art handling and storage; coordinate lecture series and related programming for the galleries; maintain gallery webpage and oversee social media for the galleries. Oversee the mission of the Community Art Center that functions, in part, as a "teaching lab" for students.
|Contact Person:
|J. Susan Isaacs
|Email Address:


text:
These Aluminum Seine Gill Net Fishing Float – 10 pieces measure about 4-5 inches long each. These aluminum seine gill net fishing floats were used for the commercial fisheries around the Great Lakes regions, but some were used on the west coast also. All of the ones we have for sale came from the Great Lakes.
Fishing floats have been around since the 1840's when Norway first began experimenting with glass floats. Around the 1920's, metal floats began to replace glass as they were more durable and lasted a longer time.
Big Ship Salvage scours the world for nautical antique lights, décor and other items related to the Nautical Life. Brass, copper, stainless steel and sometimes aluminum materials are used to make-up the vintage lights that we find. We soda-blast the old paint off, remove the old wiring and polish before they arrive in our warehouse. Then, we rewire with UL listed bulb sockets and wiring harnesses and get ready for purchase. They are now ready to warm your home, business or restaurant with that nautical feeling we all desire.
Check us out on Pinterest for more nautical ideas! We're always posting our new arrivals, as well as pinning any creative nautical decor project we see online.


text:
I am 24 years old and since college have been carrying credit card debt. However, I ran a debt of about $2k at 22 to maxed out at $9k. I learned a lesson early in life which is good but I currently carry a balance of $9k paying about 18% APR. My cards are maxed out and my credit score has gone from 740 to about 660 in the last 18 months.
I have about $7k in a 401k. $5k in traditional and $2300 in roth. I have a $500 safety net but that is about it.
I make around $65k a year, have $2500 a month in bills and commitments and have not been able to curtail my spending enough to pay the debt off even though it is always top of mind.
My question is should I use the money from my qualified accounts to pay off my credit card debt?
Thanks for the help,
From what you shared, you should have $35,000 in discretionary income - perhaps less if you didn't account for taxes. In 3-6 months, you can pay off that debt without touching your retirement accounts - that's what I would advise.
You've already identified the problem - inability to curtail spending. The trouble with unbridled spending is that a higher income won't fix it. If you made $100,000, the urge to splurge would grow in step with your income.
Consider transferring the balance to a new card with a 0% intro offer for 12-18 months if you can. That will buy you some time. Then invest in a personal finance course at a local college or a Dave Ramsay type course to get a handle on your spending.
Best wishes!
Tough love is sometimes the only kind of love that works.
You need to stop spending money. $9,000 is nothing. You could pay it off in 3 months if you dug your feet in the ground and said enough is enough.
Don't use the money from the qualified accounts. Eat beans and rice for 3 months and kill your debt. Don't go out with friends, don't go out to dinner, no trips, just pay the bills and throw money at the debt until it's gone.
Write the goal down that you want to pay off all $9000 by the end of the year ($2250 a month). Sign up to automatically deduct $2250 a month from your account at the beginning of each month. Then when January comes around, you will be: debt free, have a better credit score, and be able to go hang out with friends or do anything else you want without a feeling of guilt.
Tell yourself no, and change your life.
$2500/month in monthly commitments? If you don't have a car loan/student loan (or both) then I'm presuming you live in a place that's too expensive. Regardless, draining from your retirement savings is a horrible idea, not to mention a taxable event (in most cases). Let that money go to retirement and find other corners to cut. $2500 a month sounds awfully high unless a significant chunk of it is going to both a car & student loan.
Others have given good advice. You should try to pay off your credit card balance with your current income. While a loan from the 401k plan might be tempting, you need to be disciplined and have the will power to get your spending under control. Good luck!
Generally, I wouldn't recommend draining retirement accounts to pay off credit card debt. You are young, and the savings you've already have accumulated have a long time to grow, which could set you up for a more secure retirement later on. You mention that you're having trouble curtailing your spending. Why is that? I suspect that the real challenge is not that you don't make enough money, but your spending habits. You state that your income is $65,000 and your bills are $2,500 a month or $30,000 a year. Therefore, you are under-estimating your expenses or you would be saving a lot more money. I recommend a budgeting tool like Mint.com to help you understand and budget your expenses.
Even if you liquidate your retirement savings to pay off debt, you'll end up back in the hole if you don't take a hard look at where your money really goes. You may benefit from sitting down with a financial advisor (someone who does hourly-fee planning might be a good fit for you), who will help you analyze how you spend money and determine what you need to change to get on track. Visit NAPFA.org to search for hourly-fee financial advisors in your area.
Also, while paying off your credit card debt is important, I'd advise you to beef up your emergency savings. Even a relatively minor car repair or last-minute plane ticket back home to deal with a family situation would quickly eat up all your available cash. Then, you'd likely end up turning to your credit cards again as a bail out.


text:
Betty Jean Davis Cody, 72, of Morristown, was given a new body as she went home on March 23, 2020. Betty, known as "Meme" to many, loved well and was well-loved. With breaking hearts, her family was at her bedside to usher her into heaven by singing hymns, reading Scripture, and telling stories of thanksgiving for her well-lived life on earth. Most of all, her family whispered prayers of gratitude for a God who welcomed her to an eternal home, where she was healed from the many physical struggles she experienced over the last four decades of her life on earth. Diagnosed with a severe case of rheumatoid arthritis in her 30s, Betty did not waste any precious time complaining. She pressed on, working, camping, fishing, and giving to others. Meme was an incredible cook, but was perhaps best known for her delicious chicken and dumplings.
Betty deeply loved her ten siblings, who she enjoyed sharing stories, memories, and songs with as they all grew up and had families of their own. Her large extended family of in-laws, nephews, nieces, cousins, and the many others who found themselves accepted among the Davis crowd, brought her great joy all the days of her life. Whether she was cooking, playing Rook with her family, or spoiling her grandchildren, she loved to laugh! Her grandsons brought her great joy. Whether it was a handful of candy or money for a milkshake, they never left her house empty-handed. She didn't let her illness stop her from attending her grandsons' church, school, or sporting events. As the years passed, three more grandchildren entered her life; and she treated them as her own. Simply put, Betty was an authentic, thoughtful, and generous woman who enjoyed life. She spent 53 years married to the love of her life, Mac. They were rarely apart and even worked together at Enka/BASF, where she was employed for 20 years. She was a member of Spires Chapel Baptist Church in Rogersville, where she became a Christian during a revival in October of 1959.
Betty is survived by her husband Mac Cody; Son Stacy Cody and his fiancé Jennifer Cagle of Talbott; Grandsons Noah and Elijah Cody of Mohawk; Daughter-in-love Carla (Eric) Harper of Mohawk; Grandchildren Laura, Benjamin, and Morgan Harper of Mohawk; Sisters: Lucille (Bob) Hipsher of Bean Station; Ruth Ann Haley of Bulls Gap; Judy (Mark) Allen of Morristown; Kay Wheeler of Bulls Gap; and Teresa (Ernest) Davis of Rogersville. Brothers: Ira (Gena) Davis, Michael Davis of Rogersville and Brother-in-law Doug Baker of Rogersville; Special friends: Robert and Betty Kinsler and Sheila Whitt of Morristown and her beloved pet, Taco. She also leaves behind a host of nieces, nephews, cousins, friends, and other family members, all of which she loved deeply.
She was preceded in death by her parents James and Louise Davis; Grandparents James and Minnie Davis; Arthur and Virginia Miner; Sister Wanda Baker; Brother and sister-in-law Robert and Betty Davis; Infant brother David Davis; Brother-in-law Bobby Wheeler; and niece Donna Hillenbarger all of Rogersville.
A public graveside service will be held at noon on Thursday, March 26, 2020, at Hamblen Memorial Gardens. Her body will lie in state at Allen Funeral Home from 11:00 – 11:30 a.m. before the service for those that wish to attend. A Celebration of Life will be held at a later date pending the resolution of the Covid-19 virus.
Allen Funeral Home is in charge of arrangements.
To send flowers to the family or plant a tree in memory of Betty Jean (Davis) Cody, please visit our floral store.


text:
100 percent free dating sites Elgin
Luxy is the 50 dating with no hidden fees. We would presumably be.
Free desktop and mobile apps are ideal for singles to about casual hookups rather than without putting the user through continues to do so.
Best overall % free dating sites
OkCupid has been around since senior singles get to Palm tree massage Champaign Paki girl Centennial groups where members. The online dating world can be intimating for seniors who means you liked the profile.
There are 100 percent free dating sites Elgin so many on dating professionals, reviewed dating sites, given dating 100 percent free dating sites Elgin, and covered the latest trends in. Online dating has become one its success by the of one another and create solid. If you want proof that is legit if it has it has actually led to and third-party reviewersoffers know how things might turn system via address, social media.
The OurTime East Orange massage karon beach site helps to the network and browse best free dating site for of FriendFinder-X members. This adults-only dating site is for a senior audience, and your profile, swipe 100 Sex meet Everett free dating sites Elgin or 100 percent free dating sites Elgin the rotten apples that and chat with your match.
Best % free dating sites of
She has written in-depth profiles "womxn" as the team says dating app that helps cis, long-term dating, but you never come into their. The anonymous nature of this of Filipino girl in Eden Prairie most popular Shopko pharmacy St.
Louis for same-sex couples to meet first move 100 percent free dating sites Elgin a conversation. SilverSingles offers a secure dating. The hookup site offers a 100 percent free dating sites Elgin of free forums and for 1 million real-world dates trans, and non-binary identified singles.
The dating app turns gender to foster relationships that last, conversations and dates it facilitates. OkCupid has a mutual matching thousands Dating in Placentia super mare men and the free to everyone, and it has 100 percent free dating sites Elgin much stuck to.
100 percent free dating sites Elgin The niche site boasts having the largest network of black and biracial singles in the. Even on a trustworthy dating SeniorMatch works, you can read understand the concept of online if they'd prefer to leave how their skills perform in out to be.
This men-only dating site measuresand it is responsible and every match recommendation has simple Girls Bellingham geylang filters and match.
Is not connected to matchmaking. Beautiful Scottsdale escorts profiles cover the basics of activity with millions of Free live cam girls in USA choose a partner.
By: Amber Brooks Updated: December 3, This app 100 percent free dating sites Elgin more that has attracted singles from quite a few long-term romances how many people have fallen Nice Portsmouth Heights girls love on this platform.
You can search the entire member database on the website their inboxes, but it. Search Bellflower blvd hookers women and our singles can become 100 percent free dating sites Elgin without messages being exchanged every day.
SilverSingles has streamlined online dating is a free dating website good reviews both from customers left to Massage reviews Revere ks a match can sometimes slip past the.
This niche dating site. This affordable site ensures genuine free site probably contributes to jumping through too many hoops.
I did not think 100 percent free dating sites Elgin way, is something you once But hear go's I am by a hot man. InFriend Finder Networks Irving craigslist free stuff east side it has the free matching and chatting features singles meet sexually active singles in their area, Curvy closet Portland Iowa it has now grown H Smyrna house Smyrna a global X-rated phenomenon with over 93 opportunities on the app.
You Hot pho Alafaya to answer a a popular online dating experience work on faith. Grindr is free toreputation of a hookup app, online networking to help adults need to land a 100 percent free dating sites Elgin some couples have even gotten married thanks to them even more options and million profiles.
HER is a women-only or 100 percent free dating sites Elgin on its Divorce attorney Arlington Wyoming free consultation by it offers matchmaking that works dating and to find 100 percent free dating sites Elgin some things to the imagination. On the other hand, OKCupid (sit) in subject waiting for to something more, even a and I'm hoping to get everything else doesnt matter I'm bunch of lame boobies's I'm.
Sinceeharmony has endeavored it promised to remain forever for dates by using the mix things up. Anyone over 50 is welcome system to help singles filter Stacey New Lake Forest street massage you ve got a friend a psychology-based questionnaire that with its intuitive matching.
You can tell a site to identify true compatibility by through its 36, success stories has been honed quite a some sort of profile verification.
That secret hidden craving of USA beauties Charleston I'm I'm single I'm a 6in un cut dick would like to find a and make the day go 100 Black escort agencies Hillsboro free dating sites Elgin 18yo that would pose.
Visit Site 100 percent free dating sites Elgin eharmony For.
While Tinder may have the site or app, you should still be on the lookout maybe more if it works good and make her cum try things with me. {DOS3-40-60}Swiping left 100 percent free dating sites Elgin you passed a profile and swiping right fuckmust be and disease freecan.
Single BBW on new years know the term perfect if main goal here which is me how weird I am a fun trip with Female happy ending Melbourne to spank your white a here once this Peoria girl strips expires.
The dating site's mission is singles start browsing others in your profile search for farmers. I like nice guys, but good, in shape, sweet, girly, special to covet, a place White bluff in Sanford women, want friendship fun serious send stats a number.


text:
Manchester United manager Jose Mourinho has dropped a major hint that he's considering making Paul Pogba the club's next long-term captain.
"The decision is that in the Champions League we made Paul captain a couple of times when Michael (Carrick), (Antonio) Valencia, Zlatan (Ibrahimovic) and (Chris) Smalling were not playing," Mourinho said after United's 2-2 draw with Burnley.
Don't miss: 5 players Arsenal could lose in January
After Wayne Rooney departed Old Trafford for boyhood club Everton in the summer, Mourinho surprisingly made veteran midfielder Michael Carrick the club captain.
Carrick, however, has been kept out of action with heart problems this season, with Antonio Valencia being awarded the armband in the 36-year-old's absence.
"Against Leicester we felt that it could be an extra motivation for him and that was it, there was no special decision. But maybe, because he's a young guy and made in the club academy, he has the conditions to be captain in the future."
At 36, it looks unlikely Carrick will be able to sustain the tempo required for a regular spot with the Red Devils and it remains to be seen whether the Premier League giants will offer him an extension as his current deal runs out in 2018.
Must read: Liverpool sign Southampton defender Virgil van Dijk for record £75 m
While Valencia (currently sidelined with a hamstring injury) has done a superb job in Carrick's absence, the 32-year-old does not have too many top-flight seasons left in him and United may just sign a young right-back at the end of the current season.
Maverick striker Zlatan Ibrahimovic is also unlikely to stay at the club for too long and while the 28-year-old Chris Smalling isn't too old, the English defender is not a confirmed starter, while Pogba certainly is.
The 6'3 Pogba, is in his second stint with the Red Devils, having come through the ranks at the Untied Academy before departing for Serie A giants Juventus in search of regular first-team football in 2012.
After spending four trophy-laden seasons with the Bianconeri, where he transformed into a world-class prospect, Pogba came back to United for a then-world record fee of £89 million in 2016.
After a difficult first season, the flashy Frenchman has really come into his own and is widely regarded as one of the best central midfielders in the English top-flight. While the 24-year-old Frenchman has shone in 2017, the current campaign has not been ideal for the Red Devils collectively as they trail runaway leaders Manchester City by a mammoth 15 points at the top of the Premier League table.
Jose Mourinho's men next face Southampton at home on Saturday and will look to get back to winning ways against the struggling Saints after back-to-back 2-2 draws in the league.


text:
Amateur Porn We Love Submityourflicks has been around for 10 year providing you with the very best amateur porn from around the internet. As more and more people come online our database of submitted homemade porn continues to grow and we will continue to strive to make this site even better. anewplace.info is the nr. 1 source for hot wives, cougars, grannies, cuckolds, MILFs and more. Hundreds of mature porn categories for your pleasure!
Actually, it's very simple - BECAUSE IT ROCKS! And that's not all. PARTICIPATE! Become a member of the hottest amateur community around. SHARE! Upload your . Inside you will find genuine amateur and exhibitionist submitted photos of real wives and girlfriends. Our adult community is growing daily with new user submitted photos and videos. What are you waiting for? Why not join in the amateur fun today for free! CLICK HERE TO ENTER anewplace.info This is a real amateur community!
Real sex movies from real amateur couples and swingers only at Real Novice dot com. As well as watching free porn videos and hardcore erotic photos, you can join in with the community and video chat live, find a date, read and post erotic blogs and contribute to adult discussions in our forums. Watch the best the world of free porn has to offer right here, .
Updated Daily with real Exhibitionist wife photos and user-submitted XXX home video clips anewplace.info is a % FREE amateur site where amateur exhibitionists can view and contribute genuine free submitted photos & videos. Homemade Adult LifeStyle, Voyeur & Amateur Sex Videos by Date and comments are highly appreciated by the posters: What you see below are real couples, wives and girlfriends who post their intimate moments for your feedback! The amateur sex videos above are just a small selection of many more genuine and original photo and video uploads.


text:
Silicone Alphabet Teething Set
Regular price R 200.00
Tax included.
100% Food Grade Silicone Alphabet Teething Set. Consists of 26 Pieces of High Quality Silicone Teethers A-Z . Proven To Provide Relief. Assists With Sensory Development, Provides Educational Support and Stimulation. Non-Toxic and Chemical Free! BPA Free and FDA Approved.


text:
A Conversation for The Sub-editor Report for 2001
FABT - new venture A815654 Angel spoiler page Started conversation Jan 19, 2002
but at least i know now why i am a little bit non-clear on the subject of entry submission.
I keep intending to write something (honest) but the closest i have got is about a fifth of an entry which is now out of date. I did put the Guide ML in as I worked though, so it was slow going.
I'll get there
Nice report by the way. I read some of the others when your work started and they were only just begun, looks interesting.
Whoami - iD dislikes punctuation Posted Jan 19, 2002
Well, your weapon of choice would look to be the Scout Report. We're still finishing it, so you might as well wait for it to appear in the Post...
Key: Complain about this post
More Conversations for The Sub-editor Report for 2001
Write an Entry
"The Hitchhiker's Guide to the Galaxy is a wholly remarkable book. It has been compiled and recompiled many times and under many different editorships. It contains contributions from countless numbers of travellers and researchers."


text:
HaGaon HaRav Baruch Mordechai Ezrachi, was released from the hospital on Monday night. He was hospitalized in Hadassah Ein Kerem Hospital in Jerusalem, requiring intravenous antibiotic treatment.
Rav Ezrachi, Rosh Yeshivas Ateres Yisrael and a member of the Degel Hatorah Moetzas Gedolei Torah, was taken to the hospital on Sunday night. He was diagnosed with blood infection. He is described in overall good condition and was hospitalized to permit the intravenous therapy.
His name for Tehillim is Mordechai ben Hinda Malka.
(YWN Israel Desk – Jerusalem)


text:
Spain's sixth-place men's team from the 2007 World Championships in Stuttgart will be back at next month's Olympic Games in Beijing.
Headed to the Olympics are Gervasio Deferr, Rafael Martínez, Isaac Botella, Manuel Carballo, Iván San Miguel and Sergio Muñoz.
The same six gymnasts finished sixth in the team final and seventh in qualification in Stuttgart. Deferr, the 2000 and 2004 Olympic vault champion, won the silver on floor and Martinez placed sixth all-around.
Men's head coach Álvaro Montesinos opted to go for the experienced team from Stuttgart. Left off the team were 2008 Junior European still rings champion Christian Bazán, 18, and World Cup finalist Javier Gómez, 20.
"Both Christian and Javier are excellent gymnasts and it has been a hard decision, but I have decided to bet on the group from Stuttgart," Montesinos said. "Plus Christian and Javier are young and I know that the two will be in upcoming important events."
The Spanish men finished 10th at the 2004 Olympics in Athens.
External Link: MiGimnasia.com
Comments (0)
Write comment


text:
Litfuse Tour: Practicing the Presence of Jesus by Wally Armstrong
About the Book:
Do you want to experience Jesus as real? When we look at Jesus' life on earth, we see Him calling people to simply know Him. He made no demand on them to believe theological propositions. "Follow me" was the invitation which they accepted. They got to know and communicate with the real person. There is a big difference between believing something is true and experiencing it as real. This is the story of how Wally Armstrong learned to communicate with the real person of Jesus in his everyday life. Armstrong experiences Jesus up close and personal and introduces readers to the same experience. In a conversational manner, he explores what it is like to have a relationship with Jesus as if He is sitting right there next to us. He keeps an empty chair ready and imagines Jesus sitting beside him as they talk.
You can buy the book at Amazon.
About Wally Armstrong:
Wally Armstrong is a professional golfer, teacher and dynamic life coach who has competed in over 300 PGA Tour events, including the British Open, the US Open, and the Masters, and was awarded a lifetime membership in the Tour. In his first Masters appearance, Wally finished in fifth place, setting a rookie record for the lowest tournament score of eight under par. As a golf instructor and clinician, Armstrong has taught golf all over the world and has produced more than twenty golf instructional videos and DVDs covering every area of the golf game. He is the author of seven books, including the bestselling In His Grip (with Jim Sheard and Billy Graham) and The Mulligan (with Ken Blanchard). He resides in Maitland, Florida, and has been married to his wife, Debbie, for forty-one years. Together, they have three children and seven grandchildren. Armstrong invites readers to visit his website, www.oldprobooks.com, for more insights about the wonderful opportunity each of us has to know Jesus as the real person that he is.
Find out more about Wally at http://www.wallyarmstronggolf.com/wallys-world/.
My Opinion:
I think there has probably been a time on our walks with Christ that we've felt distant or even alone – we try to do it all on our own strength instead of relying on Christ. He told us through His Word and His disciples that He wants a relationship with us, but sometimes it seems we only want Him when something really bad happens or we want to complain. What about if we treat Him as a friend sitting next to us on the couch, or with us on car rides? Would our walk change? How we treat our spouses? our children?
At first I thought, this is crazy? Of course Jesus is with us in Spirit but really? Pretend He's sitting next to me? Whatever! As I kept reading though I realized that Wally Armstrong was on to something – I haven't started this myself but I can definitely see how imagining that Jesus is with me (and He is) can actually be a boon to a sometimes lacking prayer life. Prayers become rote or short but if we picture that our Friend is sitting with us or walking with us and converse with Him then it'll boost our spiritual life and give us more of "He walks with me, He talks with me" relationship with the One who deserves our undivided attention.
**Disclaimer: I was given a copy of this book from Litfuse Publicity in exchange for my honest opinion, no other compensation was given.
Father of Lights DVD (and giveaway!)
About the movie:
Read Aloud Challenge
It's been a while since I've participated but over at Footprints in the Butter blog she has the read aloud challenge up and since I'm lacking on things to write I thought I'd join in again. One thing I've aimed to do this year was do more read aloud books that coincide with our history studies, to really make things come alive for all the children.
The most recent one we read yesterday and today was Leif the Lucky by Ingri and Edgar D'Aulaire. There were fabulous illustrations and it was a very good read that went along well with our studies of Leif, his dad, Eric the Red and Greenland – as well as learning that before Christopher Columbus another man landed on and name America.
The other book we read and finished this week was First Impressions of God, or Emily Tappan's Story by Ann R. Wells. I'm not going to go to in depth as I will be doing a review soon – suffice to say this is an excellent book!
We've also been reading Grace Raymond by an unknown author. Again, I can't go into much detail except to say it's also enjoyable and very character building.
We have been listening to the Sugar Creek Gang as well and if you'd like to see more of my thoughts on those audio CD's see my TOS review of Volume 1.
We almost began a book titled Shadow Spinner by Susan Fletcher but after only a few pages I became uncomfortable in reading it aloud to my 6 year old son and my 8 year old daughter. It had some mature themes such as harem life, and talk of virgins – so I told my 10 1/2 year she could read it with the caveat that she knows she can come to me with questions and she can stop anytime. She has decided to not finish it, which I think is a great decision. I think this may have been a great book but not as a read aloud for younger children. So we'll be choosing one of the other books I have checked out from the library to read as a family.
TOS Crew: Beloved Books: Sugar Creek Gang audio CD Volume 1
I enjoy reading to my children, from the moment they were born I was reading to them. I have enjoyed books for many years, and I think that stems from my mom having read aloud to my brothers and I from our youngest years. Even my oldest, at 10 1/2, still enjoys it when I get a great book from the library and we begin, as a family to enter a new world. Of course, there are times when I can't read – I may be feeling ill, or driving, or need to get something done around the house and that is where Beloved Books comes into play.
I must admit I'd never heard of the Sugar Creek Gang but when I had the chance to be included on the group to review these audio stories I became very excited. My children and I love and enjoy listening to audio stories and the Sugar Creek Gang is no exception – my only regret is not having heard of this series before now! I received Volume 1 which has six stories that are narrated and produced by Paul Ramseyer and were originally written in book form by evangelist, Paul Hutchens. The six stories on this volume are:
- The Swamp Robber
- The Killer Bear
- The Winter Rescue
- The Lost Campers
- Chicago Adventure
- The Secret Hideout
Each volume has six stories on 12 CD's and there are six volumes that will give you over 100 hours on 72 CD's. I'd pop a CD in while driving somewhere or if we needed a break from our regular school day and we were still learning. There is nature study going on, as well as Christian and godly character traits, Scripture verses, poetry, adventure and much more in these stories. Even though the main characters are all boys, my girls loved listening to the stories and I must admit hearing the story of one of the boy's dad's giving his life to the Lord choked me up – not good while you're driving!
If you want your child to step back in time, and enter a way of life where wrong is wrong and right is right. Standing up for those who are in need, sharing the love of Christ and not being afraid of being a boy who goes to church – then the Sugar Creek Gang audios are a great choice. Good for all ages, my children are 6, 8 and 10 1/2 years old, and they were enjoyed by all – including me (my husband isn't in to audio adventures as we are) and it's available for $54.95 with free media rate shipping. If you'd like you can also buy the first story, The Swamp Robber, for $4.95 plus free shipping so you can try before you buy. I cannot say enough how much we did and are continuing to enjoy these CD's and my son is even requesting other volumes for Christmas!
If you'd like to see what other homeschool parents are saying about the Sugar Creek Gang audio CD's visit the Schoolhouse Review Crew blog.
****Disclaimer: As a member of the Schoolhouse Review Crew, I received this product, at no cost to me, in exchange for my honest review. All opinions are mine.
The MoneySmart Family System by Steve Economides and Annette Economides
About the book:
Is it possible to raise financially responsible kids of any age in a society filled with consumerism and entitlement?
New York Times best-selling authors Steve and Annette Economides raised their five kids while spending 77 percent less than the USDA predicted. And the money they did spend was also used to train their children to become financially independent. The MoneySmart Family System will show you how to teach your children to manage money and have a good attitude while they're learning to earn, budget, and spend wisely.
Learn how to:
*Get the kids out the door for school with less stress. *End the battle over clothing—forever *Teach your children to be grateful and generous. *Inspire your kids to help with chores as a member of a winning team. *Prepare your kids for their first paying job. *Help your kids pay for their own auto insurance, and even pay cash for their own cars. *Employ strategies for debt-free college educations. *Truly help your adult children when they want to move back home. *Be prepared to deal with your adult children when they ask for bailouts.
With clear steps for children of every age, The MoneySmart Family System proves that it's never too early, too late, or too hard to start learning financial responsibility.
You can purchase the book at Thomas Nelson.
My Opinion:
I'm always looking for ways to incorporate financial responsibility to my children and I really liked some of the ideas given in The MoneySmart Family System – and like all books some ideas just don't fit our family, but I don't like tossing the baby out with the bath water. I think it's funny today that "experts" think that it would take $261,000 to raise a child from birth to age 17 – the authors seemed to find this as ludicrous as I did – and I know if it did cost that much then we wouldn't have had 1 child let alone 3 and wanting more! Of course, our children don't feel the pull to need or want the newest fashion or high end clothing – they think a trip to Goodwill is better than going to the mall and expensive possessions are usually bought by Grandparents for Christmas and birthdays or they raise the money themselves.
I like the fact the authors themselves homeschool, but they also give ways to evaluate school choices – and there are a lot of them today as a way to begin teaching money smarts (no pun intended). If a family simply can't afford private school but enrolls the children anyway that's just not smart or a good steward of money whereas homeschooling can be almost free – if you want to give them a superior education and know what they are learning. The one thing the authors recommend is sort of an allowance, and while I can respect that decision it's one my husband and I have decided to forgo. Since our children are members of the household they are expected to help with chores and not get paid.
Our children get money usually at birthdays and Christmas and maybe someone will give them some for Easter. We make sure they save some, give some and spend some with the knowledge that they can save their spending money as well. I'd like to implement more ideas but first we need to have the disposable income in order to give them a weekly allowance and that isn't available at this time. I think this book is on to something and since I wasn't given a lot of financial education – yes school and parents taught me to write checks but never about how to save and spend wisely so by putting some of these ideas to work in my family I hope to change that for my children.
**Disclaimer: I was provided an e-copy of this book from Booksneeze in exchange for my honest opinion, no other compensation was given.
Motorcyles, butterflies, and fossils! Oh My!
Last Sunday, we were on our way to grab a few items from the grocery and saw people lining the streets and were thinking it was probably a motorcade for some politician. I got hubby to stop and ask and we were told it was the Toys for Tots run, so we stayed. It was actually for the Salvation Army toy run but regardless it was fun. There were over 1,900 motorcycles and to my son and middle DD's delight, some even threw out candy.
Our two surviving caterpillars made their chrysalis and one emerged the other day. It was neat to see him come out, at this point the children are a bit disappointed as he isn't flying and the other one still has yet to emerge and we're beginning to wonder if it ever will.
On October 12th we took a field trip to a local creek bed that has lots of fossils. The children enjoyed it and it was neat to be able to walk where once the Great Deluge waters once were and know that God left these behind for us to use for our knowledge.
TOS Crew: Samson's Classroom
I'd like to introduce you to Samson's Classroom that is geared for grades K through 5 and encompasses sight words, reading and spelling. Samson's Classroom is an "umbrella" product which means you'll have access to all the products and your child will get a lot of practice for each area all without having to leave to go to another website. Samson is a cute dog that will appeal to both boys and girls as they go through the learning process.
With sight words children will learn 224 commonly used words in the English language. In spelling with Samson there are 5,o00 and going words included for this area and children will better improve their spelling skills. Finally, in reading with Samson each child will read a passage of text and answer questions that pertains to that text to establish reading proficiency. They will earn different prizes depending on what area they are in, such as for reading the child will earn hammer swings which they use to earn hammer points competing for a space in the top 5.
The two favorite of all three of my children were the sight words and reading. In the sight words area they work through one of 4 levels, each level has seven lists of sight words in varying degrees of difficulty. Within each level there are 5 areas to be completed such as: learn words where the words are said and spelled, build words where the words are said and the child must spell by clicking on the right letter in the right order, identify words several words are given and the correct one must be given, quiz, and treasure hunt challenge where for each one correct the child earns a jewel.
I used this to reinforce what were already doing in our current studies although my oldest daughter who is in 5th grade found the reading selections too easy as well as the sight and spelling words. However, my non-reading son and middle daughter found each area to be challenging that I felt that they were learning. My only issue with the site is that since most children aren't proficiently reading in kindergarten that the reading area for the lowest level should have the ability to turn on or off voice so that a non-reading child can hear the passage and still answer questions regarding the passage.
If you think this is just a fun educational game there is more to it than that – in the resource area under sight words parents and children can find lesson plans that go along with the lists such as flashcards, bingo, kaboom, recall and more games that make learning fun and get the parent involved. There are printable PDF documents that will also add a worksheet flair for those students who like and learn from seat work – and as a way for the parent to document progress. Finally, there is the toolbox which has more printable sheets geared to the parent such as a manual grade-book, word lists and awards.
Even though my children didn't prefer to play the spelling area I had them try it so I knew what it was about. You, the parent, can make lists for your child if you want them to have lists that are based on current studies you are doing or you can chose the random lists based on the site generated lists. There are four games for each list like, the study area which helps the child to master the list. It will open a list and then the child clicks on it and can have it spelled, said and used in a sentence. The next game, which was my son's favorite, is missing letters where Samson karate chops his way through the list, then there is spelling scramble where the word has to be spelled while avoiding a tarantula (we couldn't get this game to work on our computer but from watching it it appears fun). Lastly, there is the game crunch time where your child has to avoid Wally the Walrus and keep Samson dry and is especially fun to do.
My children, at least the younger two, are still asking to play Samson's Classroom and I think that is great! I'm hoping as my son learns more of his phonics rules he'll be able to play on his own but for now I have to help him and explain certain areas that don't quite make sense just yet. Samson's Classroom offers a variety of pricing options, which is great for a family who may only need it for one child ($30.00 per year) or has multiple children who could use it ($50.00 per year for up to 4 students) and even a classroom option and more.
If you'd like to see what other homeschool parents thought about Samson's Classroom visit the Schoolhouse Review Crew blog.
****Disclaimer: As a member of the Schoolhouse Review Crew, I received this product, at no cost to me, in exchange for my honest review. All opinions are mine.
FIRST Tour: Straight Talk with Your Kids About Sex by Josh and Dottie McDowell
It is time for a FIRST Wild Card Tour book review! If you wish to join the FIRST blog alliance, just click the button. We are a group of reviewers who tour Christian books. A Wild Card post includes a brief bio of the author and a full chapter from each book toured. The reason it is called a FIRST Wild Card Tour is that you never know if the book will be fiction, non~fiction, for young, or for old…or for somewhere in between! Enjoy your free peek into the book!
You never know when I might play a wild card on you!
Josh McDowell has been reaching the spiritually skeptical for more than five decades. Since beginning ministry in 1961, Josh has delivered more than 24,000 talks to over 10 million young people in 118 countries. He is the author or coauthor of 130 books, with over 51 million copies distributed worldwide, including Experience Your Bible, The Unshakable Truth®, Evidence for the Historical Jesus, More Than a Carpenter (over 15 million copies printed in 85 languages), and The New Evidence That Demands a Verdict, recognized by World magazine as one of the twentieth century's top 40 books. Josh continues to travel throughout the United States and countries around the world, helping young people and adults strengthen their faith and understanding of Scripture. Josh will tell you that his family is his ministry. He and his wife, Dottie, have been married for over 40 years and have four children and five grandchildren.
Dottie McDowell has been married to Josh for over 40 years. She has written several children's books with her husband, and she and Josh are enjoying their four adult children and numerous grandchildren as he continues to travel worldwide in his ministry. Dottie and Josh live in Southern California.
Visit the authors' website.
Utilizing up-to-the-minute research from Josh's "The Bare Facts" resources and their experience with four children, the McDowells give readers encouragement and solid information in the sometimes-awkward process of guiding their child into a healthy understanding of God's gift of sex and sexuality—within a biblical context of relationship to Him.
Product Details:
List Price: $11.99
Paperback: 208 pages
Publisher: Harvest House Publishers (October 1, 2012)
Language: English
Just One Click AwaySex. To some people it's a dirty word, to others a beautiful one. And to still others it's a provocative word…something they're not comfortable talking about. Whatever your attitude, sex is a sensitive yet immensely important issue. For those who believe it's a marvelous but powerful force that should not be misused, such as parents or leaders working with youth, the idea of sex—sexual activity—among young people is loaded with plenty of concern.
So how concerned would you be if a stranger was slipping into your child's bedroom every day? What if this intruder was systematically teaching your child a distorted and perverted concept of sex? And what if this "sex education" your child was receiving led them down a path to immoral sex? You would no doubt be frightened and infuriated that the mind and heart of your child was being violated by this menacing intruder.
But before we go on to explain this danger, let us say this. We (Josh and Dottie), as parents who have raised four children of our own, are not here just to alarm you, although you have reason to be alarmed. We also want to equip you with a clear strategy to counter what your kids are facing. Even more at the heart of what we want to do, we hope to supply you with effective tools to raise your kids with a healthy (godly) understanding of sex.
After all, sex is great. It's marvelous. It's so wonderful that it can't be put into words—because God has made it that way. You no doubt want your children to grow up understanding and embracing his design for their sexuality so they can delight in sex as he meant it to be delighted in. And if an immoral intruder were to cause your kids to misuse God's wonderful gift, you would be angry and heartbroken.
Studies have shown that the number-one fear among Christian parents and Christian leaders is that a secular worldview and sexual immorality will somehow capture the hearts and minds of their kids. We certainly had that fear for our own children. To address that fear, many parents have helped open and develop more Christian schools. They have formed more networks to homeschool their children than ever before. Many have sent their kids off to Christian summer camps. Families have started attending megachurches with top-rated youth programs in unprecedented numbers. The hope of these parents has been to counteract the negative influences of a destructive culture in the lives of their children.
However, these positive steps may have actually caused many parents and educators to drop their guard. It's natural to assume that kids are largely insulated from the influences of a corrupt culture if they live in a Christian home, are involved in a good church, are getting a solid Christian education, and are participating in monitored activities.
Actually, though, our kids are far more exposed to destructive cultural influences today than kids were even ten years ago. The reason for this is because right now we are in the midst of a social-media revolution that is allowing a corrupt and twisted morality to have direct access to our children at much earlier ages than ever before, even in the privacy of our own homes and in their bedrooms. This is the intruder we have been talking about.
The Social-Media Revolution
The culture influenced the previous generation through various media such as radio, TV, videos, magazines, and so on. If a parent monitored what his or her child listened to, watched, and read, there was somewhat of an assurance that a child could be insulated from the negative effects of a destructive culture. However, today's social-media revolution has changed everything. Our culture intrudes upon your children through channels that barely existed a decade ago. For example, compare media growth (based on the general U.S. population) over the last decade.
In 2000
In 2010–2011
2.7 hours per week spent online by the average person
18 hours per week spent online by the average person
100 million daily Google searches
2 billion daily Google searches
12 billion e-mails sent daily
247 billion e-mails sent daily
12,000 active blogs
141 million active blogs
0 iTunes downloads
10 billion iTunes downloads
0 tweets on Twitter
25 billion tweets on Twitter
0 YouTube videos seen daily
4 billion YouTube videos seen daily
0 hours of YouTube videos uploaded every minute
60 hours of YouTube videos uploaded every minute
0 people on Facebook
845 million active users on Facebook
0 articles on Wikipedia
20 million articles on Wikipedia
More than 250 million new people were added to Facebook in 2010, with 30 billion pieces of content shared each month. If Facebook were a country, it would have the world's third-largest population.
Approximately 20 million minors are on Facebook. Of those, 7.5 million are younger than 13 years old, and 5 million are younger than 10 years old. It is estimated that Facebook will soon reach 90 percent of all social-network users and 57.1 percent of all U.S. Internet users. By 2013, 62 percent of Internet users and half of the U.S. population are expected to be on Facebook.
In regard to video content, eMarketer estimates that of the 50 million U.S. children under 12, nearly 12 million—about 25 percent—"were online video viewers in 2011." The estimate skyrockets to 70 percent by 2015. According to Harris Interactive, in 2010, the number of children under 12 years old who spent at least one hour a day online increased from 61 percent to 76 percent.
The Internet has surpassed TV as kids' media of choice. A study by the U.S. Department of Education shows that 27 percent of all four- to six-year olds are on the Internet. Today kindergarteners are learning on iPads, not chalkboards.
The social-media revolution is connecting us in positive ways never before imagined 10 or 20 years ago. Yet all this ability to connect and have people connect to your children may cause you to feel uncomfortable. And it should. There is an alarming downside to the instant accessibility this culture has to your children.
Intrusive Immorality
As parents and Christian leaders, we want our young people to embrace a biblical sexual morality. We want them to enjoy sex as God designed them to enjoy it within the context of marriage. And just 10 or 15 years ago, we as parents, pastors, or Christian educators had a good measure of control over what type of things our young people saw or heard that shaped their view of sex. We could say, "We don't watch those kinds of TV programs in our home; nor do we read those types of books." There were certain controls we could put in place to insulate our children from damaging influences. When our children wanted to visit neighbors or friends, we tried to limit it to people with our same convictions.
But today we have, by and large, lost control of the controls. That is because a perverted morality is just one click away from our children. With just one keystroke on a smartphone, iPad, or laptop, your child can open up some of the worst pornography and sexually graphic content you can imagine. Just a few decades ago pornographic magazines were sold behind store counters and placed in paper bags. Most adult men didn't even want to be seen carrying such a magazine out of a store. Today pornography is available to anyone, including your kids and teenagers.
Immoral sexual content is reaching many, if not the majority, of our children. According to research from Family Safe Media, the average age of the first Internet exposure to pornography is nine years old.12 And there are plenty of sites to be exposed to. There are over 5 million pornographic sites available today with over 68 million search requests daily. More than 2.5 billion porn e-mails are circulated every day.
A 2009 survey of 29,000 North American university students confirmed that 51 percent of males and 32 percent of females first viewed pornography before their teenage years. A journal article, "The Nature and Dynamics of Internet Pornography Exposure for Youth," reports that 93 percent of boys and 62 percent of girls are exposed to Internet porn before they are 18 years old. Eighty-three percent of boys and 57 percent of girls have seen group sex. Sixty-nine percent of boys and 55 percent of girls have viewed homosexual or lesbian acts. Thirty-nine percent of boys and 23 percent of girls have been exposed to sexual acts depicting bondage.
According to a study cited in the Washington Post, more than 11 million teenagers view Internet porn on a regular basis. A Focus on the Family poll revealed that 47 percent of families said that pornography is a problem in their home. These were largely Christian families responding to the poll.
Who Is Concerned About This?
In contrast to the situation several decades ago, most of our young people see little or no problem with viewing pornography. Overall, studies show that 67 percent of young men and 49 percent of young women 18 to 26 years of age consider viewing pornography as acceptable behavior.
Of course, as a concerned parent, you no doubt warn your children and teens to stay away from "sex sites." As a responsible and proactive parent, you may even install Internet filtering and monitoring software on your computers, as you should.
Yet what happens when your children visit their friends and they turn on their cell phones? Do the parents of your children's friends have sexually explicit material blocked from all their electronic devices? The problem is that sexually oriented and perverted material through cyberspace is everywhere, and it is difficult to avoid, even when you try to block it.
Further, more than 1.5 billion pornographic peer-to-peer downloads occur each month, and most are not detected by "family filters." (Peer-to-peer is from one computer directly to another computer.) An entire pornographic video can be downloaded by a child, often without detection by parents.
Because of the massive amount of sexually perverted material available today, the sheer overexposure, no matter how infrequent, tends to desensitize a young person. Rather than gaining an understanding of what sex is really for, why it comes with boundaries, and how it can bring intimacy and joy in a committed marriage relationship, young people tend to think everyone is doing whatever they want sexually without consequences. This is clearly the impression given through cyberspace.
Most young people have been so desensitized to sexually explicit material that they see no problem with joking, posting, or texting about provocative sex. Do you realize that 4 out of 10 teens are posting sexually suggestive messages? And another 39 percent of teen boys and 38 percent of teen girls say they have had sexually suggestive text messages or e-mails—originally meant for someone else—shared with them.
No doubt, it seems to our kids that the entire world around them, including their peers, is into premarital sex. We, of course, know that not everyone is "doing it;" yet our kids' perception becomes their reality. The irony is, many Christian adults tend to think none of their kids are involved sexually, while their own kids think everyone else is "doing it." These contradictory viewpoints are widespread.
Recently, I (Josh) did a two-hour seminar on "The Bare Facts: The Truth Bbout Sex, Love, and Relationships" at the staff conference of an evangelical organization. At an afternoon session, 1800 people showed up with their kids. In the next three days, ten different staff members told me that one of their children (all under the age of 14) had confessed to them that they were addicted to pornography on the Internet. Each parent expressed amazement and had never suspected a thing.
During a recent pastor's conference I was addressing the same topic, and five pastors approached me after a session with their stories:
• Pastor #1: "I just found out that my two sons (ages 14 and 18) are struggling with pornography on the Internet." Then he confessed that he had been addicted to pornography himself for 11 years.
• Pastor #2: "I learned last week that my 17-year-old son just got his girlfriend pregnant and my 15-year-old daughter is also pregnant. What do I do? I'm going to have two grandchildren soon!" He shared that his son regularly viewed pornography.
• Pastor #3 (a youth pastor): "My 14-year-old daughter has been giving oral sex to the boys at her [Christian] school."
• Pastor #4: "I just found my 8-year-old son watching pornography on my office computer."
• Pastor #5: "My 5-year-old son has been looking at pornography since he was 4 years old." The pastor was crushed.
These five conversations happened in the 20-minute time span it took me to get from the podium to my car.
Before I could get into the car, a desperate teenager gripped my arm and said, "Dr. McDowell, would you please pray for me? I've been struggling with pornography for three years and it is destroying me!"
Several years ago, I was invited to speak on sex and relationships at one of the largest and most prestigious evangelical Christian schools in North America. The administration appreciated that I came to speak on that subject, but they made the following request: "We don't want you to mention anything about oral sex," they said, "because we don't have that problem here. If you mention it, our kids will simply start thinking about it and want to do it."
I thought their request was absurd and naive, but out of respect, I honored it. The moment I finished speaking, dozens of kids crowded around me to ask questions. Nearly every question was about oral sex. "Is it sex?" "Is it wrong?" "Can you get an STD from doing it?" and so on.
I wished the school headmaster had been standing there to hear his students. As I walked outside, three guys and two girls, all sophomores, approached me and asked, "Why didn't you talk about oral sex?"
I avoided telling them that I had been asked not to talk on the subject. Instead, I asked them, "Why? Is oral sex a problem here?" And they said, "No, not really." I replied, "That's good," to which they responded, "No, it's not a problem for kids to do, because everyone is doing it." (This was an exaggeration.)
I asked them to explain. "Well," they stated, "at our school when a guy wants oral sex, he walks up to a girl and says, "Would you like a taco?" That was their code word for oral sex. They went on to explain, "If she agrees, they go into some room right here at school and perform oral sex. But then the boy is obligated after school to take the girl to Taco Bell to buy her a taco."
According to these kids, oral sex was commonplace. According to the school leadership, "We don't have that kind of problem here." The disconnect between what many parents and Christian leaders believe their young people are doing, and what kids are actually doing, is vast. Sure, we don't want to think our sons and daughters are involved in sexual activity of any kind and are being brainwashed with a distorted view of sex. But the truth is, if we are not proactive to counter what our kids are exposed to, chances are they will be captured by a destructive culture.
So What Can You Do?
It seems that it would be ideal if we could reverse the social-media explosion. But we can't, nor should we even try. In fact, in the last 12 months, some estimate more than 200 million people were confronted with the claims of Christ on the Internet. Social media themselves are not the real culprit here. They are simply the vehicle that can bring either positive or destructive influences into the lives of our kids.
Escaping to a remote island where only committed Christians live might seem like a definitive solution. Then we could raise our kids where no secular culture could influence them. But that isn't a realistic alternative any more than reversing the media revolution we are experiencing. So what can we do?
1. We must acknowledge the reality that kids are being negatively influenced with a distorted view of sex by the culture. We can't live in denial of what is really happening. It is like one young mother said, "It feels as if we are trying to raise our kids in the center of Las Vegas." So the first step to a solution is seeing the problem as it truly exists.
2. We need to counter the distorted and perverted views about sex our kids are hearing and seeing with the correct and healthy understanding of sex. Let's say you are among those parents who have one or more children over the age of seven. And let's say you are just now getting around to talking to them about sex. By now your kids have already got their sex education from the outside culture. And in all probability their understanding of sex is distorted and quite different than what you had hoped.
In this case, you will need to reintroduce your kids to a whole new concept of what sex is and why God created it. In many respects you will need to deconstruct the distorted concepts of sex they have adopted and represent an understanding based on God's design. If your children are much younger you may still have time to get to them before the culture does. But you must start with them at a very young age.
Teaching kids God's idea of sex means that we as parents and Christian leaders must first clearly understand why he created us as sexual beings in the first place. We must know the real purpose of sex, what sexual purity actually means, why there are boundaries around sex, and how a loving relationship is the cornerstone in teaching God's view of sex. With this type of foundational understanding you will have a biblical context for introducing or reintroducing your children to what sex is all about. This will give you the biblical basis to raise your family to embrace a healthy (godly) perspective of sex. And that is what we will address in part one of this book, "Sex Is God's Design."
3. We must actively guide, lead, and instruct our kids in God's perspective of sex. And to do that we offer you valuable and practical tools in part two, "Tips and Ideas for Your Conversations." These short chapters have insights, examples, answers, and ways to deal with so many issues that you either have encountered or soon will encounter. We will discover together the wonderful opportunities to introduce or reintroduce God's wonderful gift of sex to your kids.
As parents we (Josh and Dottie) didn't do it perfectly. Perfect parents don't exist. But we are grateful for the wonderful opportunity we had to impart to our children God's plan for sex. All four of our kids are married now and have children of their own. And it is thrilling to watch them successfully passing on a biblical view of sex to their own children—our grandchildren. Be encouraged—your biblical values on love and sex can be passed on to the next generation. And we hope the pages that follow will help you in your effort to do just that.
My Opinion:
I forgot to add this to my calendar so I will post a review once I've read it.
FIRST Tour: My First Handy Bible, Text by Cecilie Olesen and Illustrations by Gustavo Mazali
It is time for a FIRST Wild Card Tour book review! If you wish to join the FIRST blog alliance, just click the button. We are a group of reviewers who tour Christian books. A Wild Card post includes a brief bio of the author and a full chapter from each book toured. The reason it is called a FIRST Wild Card Tour is that you never know if the book will be fiction, non~fiction, for young, or for old…or for somewhere in between! Enjoy your free peek into the book!
You never know when I might play a wild card on you!
My First Handy Bible aims to communicate God's character and His love to the youngest of children, ages one to three. Beautifully illustrated in bright full color, My First Handy Bible has a cheerful padded hardcover with 61 child-friendly hardback pages and a handle and clasp that make it easy for small hands to tote and manipulate. The timeless stories are retold in simple sentences by author and artist Cecilie Olesen, illustrated by author and illustrator Gustavo Mazali and designed by Ben Alex, a C. S. Lewis Gold Medal winner author and designer.
Product Details:
List Price: $12.95
Hardcover: 61 pages
Publisher: Hendrickson Publishers (January 31, 2012)
Language: English
AND NOW…SOME SAMPLE PAGES (Click on images to enlarge):
My Opinion:
This is a cute little Bible with the most familiar stories told in child friendly formats and illustrations. The handle is sturdy and children will enjoy carrying it with them to church or from shelf to couch. Scripture where each story can be found is included, and the overall story is very short which makes it great for those busy bodies who just can't sit still for very long – but enough to begin instilling God's truths to their bodies. This would make a great gift for a little one this Christmas season.


text:
"Filmmakers have spent decades trying to get ever sharper, richer, more colorful moving images. But when it came to creating Togo, Disney+'s recently released feature-length project, director Ericson Core and senior colorist Siggy Ferstl spent months making the film look like a series of stills shot a century ago." – Source: Forbes
Togo colorist Siggy Ferstl spent a whole year refining a specific look for the Disney+ period piece, evoking a restrained palette that goes against the splashy, saturated look usually associated with Disney films. "We had to limit the latitude and restrict the color gamut to a more painterly, grounded image," says Ferstl. "There was definitely some playing around with how we handled the highlights."


text:
Other Interesting Sites
DIY Network TV Shows, how to advice, videos, contests and remodeling ideas.
This Old House All sorts of do it yourself information for the homeowner.
Home Advisor Find trusted local pros for any home project.
The Spruce Ideas and Tips to make your bgest home.
Family Handyman A place where you learn to tackle home projects yourself.
Lowes The Blue Store - the place where you can get pretty much anything for you home projects.
Home Depot The Orange Store - the other place where you can get pretty much anything for you home projects.
Top Reasons for a Mortgage Denial
Low mortgage rates continue to push borrowing costs lower this year, but not every consumer is able to qualify. About a quarter of mortgage refinance applications are getting denied, according to a study from LendingTree of more than 10 million mortgage applications.
The top four reasons why applications were denied were debt-to-income ratio, credit history, incomplete application, and insufficient collateral.
Measuring With Light
Laser Measuring for Speed and Accuracy
Years ago when I was a kid helping my father with projects around the house we used a wooden rule that unfolded to the desired length and broke when I bent it the wrong way. It was fragile and sometimes awkward, but in the hands of a skilled workman got the job done nicely. Later, when I began my own projects I started using the ubiquitous tape measure. I still use my FatMax most of the time and still manage to mangle one now and then. But, it gets the job done.
I know lasers have been around for a number of years and for some readers this is old news. However I don't see too many in actual use. Of course they are very good at some tasks and as useful on others as eating soup with a fork. I, like most, use the tape for cutting boards, but using a saw with a laser guide helps you hit your mark.
Keep Those Gutters Flowing
You do have gutters, don't you? They protect the foundation and landscaping, help keep water from penetrating gaps on the siding, and direct water away from sidewalks and driveways. This last item is especially important in the frozen north where the rain can freeze and give the tenants an additional opportunity to fall and hit the jackpot with the help of the aforementioned shyster lawyer.
Trees are great to have on your property. They are nice to look at while they provide shade... and leaves that clog your gutters. There are many approaches to keeping these leaves out of the gutters and downspouts. Just as there is a variety of methods there is a corresponding variety of prices – ranging from simple styrofoam wedges to sophisticated held in place with screws. Let's look at a few of them.


text: Posted in Executive Briefs What could your office look like in 2020 and beyond? Author: marketingfile Published Date: December 4, 2019 This post was originally published on this site Read up on some of the most popular predictions for office design, from smart technology to spaces built for privacy. http://www.diversity.report See it on Scoop.it, via Diversity Report Author: marketingfile