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An income statement also referred to as the profit or loss statement, statement of financial performance or the statement of operations. Income statement is one of the three main financial statements of a company or business namely income statement, balance sheet and cash flow statement. As company works under the board of governors or investors the income statement is the record of company's profit or loss under a period of time. Income statement is discussed briefly as follows.
An income statement of a business or a company projects the revenue collected from the sales and expenses that the company faced. Income statement is simple yet very important for the company as it brings the income and expenses in account. The two parts of the statement top line and the bottom line are explained as under. The top line shows the money received from the sales of the production or services to the public or client before expenses are taken out, while the bottom line is the sum obtained after the revenues and the expenses are accounted for i.e. the cost for the production, the write offs and the taxes are accounted for which gives the net profit. The defined top and bottom lines explain how the managers or business owners come to know the profitability or the loss of the firm.
An income statement is similar to the cash flow statement but it differs from the balance sheet in terms of the time frame. The balance sheet gives the details for a single instance or deal while the income statement gives the brief detail under a specific period of time. Income statements are generated quarterly and annually according to the fiscal year of the company.
And as for the charitable institutions they do not produce income statements instead they produce a similar statement that explains the income from the fund raisers and donations and other sources and their expenses. This statement is commonly known as the statement of activities.
Now, we discuss the details of writing the income statement. There are two commonly used approaches to produce an income statement. The single step income statement is simple to produce as it involves totaling the revenues (top line) and subtracting the expenses to find the bottom line for a specific period of time. The second approach is rather complex and known as the Multi Step income statement. As the name implies it involves multiple steps to produce the bottom line. First step is gross profits and then the operating expenses are calculated. These operating expenses are deducted from the gross profit yielding the income of operations which is further added up with other revenues. The sum is income before taxation and the final step is to deduct the taxes and the result is net income for specific period of time.
In a nutshell Income Statement is the cash monitoring statement that should help investors and stakeholders determine the past financial performance and condition of company, future performance and the ability to generate future cash inflows through report of income and expenses.
Here is preview of a Free Sample Income Statement Template created using MS Word,


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In uncertainty of college, newspapers provide identity
At a party last week, I tried to introduce myself to someone. When I attempted to tell the person my name, he said, "Oh, I know who you are. You're a writer, right?"
I smiled and then asked how he knew that. "Oh, I read the Daily Trojan all the time," he said.
My job at the college newspaper, like most good things in life, started with a tweet. It was the summer before my freshman year, and I had just received an email saying I had been accepted on the Daily Trojan staff.
"Incredibly excited to work for the @dailytrojan on the news staff," I tweeted. And the Daily Trojan favorited my tweet (#tbt to when that was an option.)
From that moment, my college identity was melded with the DT, and we started our four-year obsessive relationship to one another.
As a journalism student, there's nothing more iconic than writing for your school newspaper. I couldn't wait to see my byline in print. There's definitely an element of narcissism that goes along with it — remember I am still a millennial. But when I was given my first assignment to write about a "substance-free floor" opening at University Gateway, I knew there would be a bit more effort that went into it.
I was so green in my first interview with a student who was dealing with alcoholism. Here I was, this 18-year-old asking someone about how his substance abuse impacted his grades and relationships. I stumbled through that interview, trying to find the balance between sensitivity, but making sure I dove deep enough to retrieve the truth. When the article appeared on the front page of the DT the next day, above the fold, I saved the paper and mailed it home.
Over these four years, I'm not sure how many articles I have written, but I know I have saved them all. I've walked away with more bylines then I could imagine, but even more so, developed personal connections with my peers that I might have never met.
That has been my saving grace. During this school year, there has been this ongoing conversation about "safe spaces." For me, that was the college newsroom. Running from this event to that one, documenting everything from the celebrities who came to campus to the students who were changing the culture of the campus, I felt like I had my pulse on the wide ranges of USC experiences. I could bring all those stories back to the newsroom.
Soon — I don't know when — people started associating me with the DT. I couldn't have been happier when this happened.
People say newspapers are "dying" because they struggle to stay relevant and alive. Yet, that idea has never once touched my corner of the world at Daily Trojan. California has one of the strongest freedoms and rights for the reach of college newspapers, and at the DT it never felt like the end was in sight. There's something special on the fourth floor of the Student Union, a place where I've spent more all-nighters than I've wanted, where I've cried, laughed until I've cried once again and learned who I wanted to be. I sent out my first Snapchat in that newsroom. I met my best friends in that newsroom.
But now, as I head into graduation, my greatest fear feels like it is coming true. In my first column, I wrote about not having enough time. Now, I really don't.
But the great news for those remaining on campus is that you still do have time. You have the time to learn and grow and place yourself in communities that will support you. Today's college students increasingly need these types of environments as they face mounting financial, mental health and social pressures. If you can find yourself a version of the DT, a place that will help you tell your story in the way you want it told and will challenge you to think outside of yourself, well, then you've achieved all that this University asks of you.
And remember, like most good things in life, it starts with a tweet. So make college tweetable. Find a lesson in every moment, and if you're so inclined — write a column about it. I know I did.
While you are doing that, I know my fellow graduates and I will also be tweeting our way through the transition. We'll be learning how to remold our identities past this USC bubble. It'll take time, but we'll figure it out.
As we move through our lives as busy college students turned even busier adults, remember to leave room to tell stories. Record those stories.
That's what the college newspaper has helped me to do. It has indelibly defined my college identity. It has reminded me that I still have so much growth and maturity to achieve.
After four years of working at the Daily Trojan, I know that I shouldn't take my time here for granted. Even this millennial can appreciate that.
After reading "Wait An L.A. Minute," which ran on Tuesdays, join Jordyn Holman in her millennial conversations on Twitter @JordynJournals. She's a senior studying print and digital journalism.

subset: commoncrawl


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This announcement was emailed to faculty and staff on March 29 by Wake Forest Communications and External Relations:
At the invitation of the Faculty Senate, Provost Rogan Kersh will give his annual address to the University on April 3 at 4 p.m. in Pugh Auditorium at Benson University Center.
Kersh will speak about University priorities, along with the challenges and opportunities that face our academic mission and programs.
The Faculty Senate invites faculty, staff and students to attend the presentation.
Categories: Events, Inside WFU
Tags: Provost Rogan Kersh, Wake Forest University Faculty Senate
Recent Posts
- May 30, 2020
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BELLEVUE, Wash. — Standing next to what will become the new Bennett Elementary School in Bellevue, Allison Huff worries about her children's new school.
"I just don`t understand why they`re taking the risk on it," she said, talking about the tiny bits of black that fill play fields across Western Washington.
Huff is among a growing list of parents who are wary about crumb rubber being used on all-weather fields.
A cheaper alternative to cork, sand or regular grass, the black dots are processed tires or other rubber.
Scientists fully admit there are bad chemicals locked inside. Anecdotal observations in the Seattle area showed a cluster of cancer patients who played soccer on the fields.
"Even within the last couple months, it`s been more of an issue in the news," Huff said.
The Washington Department of Health found no connection between cancer and crumb rubber.
But the state of California and the EPA are going even farther and studying the full effects of contact and ingestion of the dots.
But answers won't be known for more than a year, at least.
Meanwhile, upwards of 13,000 fields are already in place and 1,200 more are going in across the country, according to the EPA.
Huff says Bellevue is pushing too hard, too fast at new schools.
"It`s not worth the risk," she reiterated. "Even if the studies come back and say it`s safe, I still don`t want my kids playing on that, possibly ingesting it."
The district voted two weeks ago to keep going with crumb rubber, but to use a chemical coating to lock the toxins in place.
Parents like Huff say a wait will be worth it until the science is settled.
"It`s going to be a totally different story when you have 3- and 4-year-olds that are putting their hands in their mouths and they`re tracking this stuff into the classroom."


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Login to BlackFacts.com using your favorite Social Media Login. Click the appropriate button below and you will be redirected to your Social Media Website for confirmation and then back to Blackfacts.com once successful.
Enter the email address and password you used to join BlackFacts.com. If you cannot remember your login information, click the "Forgot Password" link to reset your password.
Taban lo Liyong , (born 1938, Kajo Kaji, Sudan [now in South Sudan]), South Sudanese and Ugandan author whose experimental works and provocative opinions stimulated literary controversy in East Africa.
By his own account, Liyong was born in southern Sudan and taken at a young age by his family to northern Uganda, where he grew up. He attended National Teachers College in Kampala, Uganda's capital, before continuing his undergraduate studies at Knoxville College in Tennessee and Howard University in Washington, D.C. He went on to earn a master of fine arts degree at the University of Iowa in Iowa City, specializing in creative writing. After returning to Uganda in 1968 he worked at the University of Nairobi in Kenya for several years, first as a research fellow in the Institute of African Studies, then as a lecturer in the literature department. From 1975 to 1977 he served as chairman of the literature department at the University of Papua New Guinea, after which he returned to Sudan as a senior public relations officer at the University of Juba (now in South Sudan).
A prolific and versatile author, Liyong wrote highly imaginative short narratives, such as Fixions (1969), and unorthodox free verse, including Franz Fanon's Uneven Ribs (1971), Another Nigger Dead (1972), Ballads of Underdevelopment (1976), and Carrying Knowledge Up a Palm Tree (1997). His nonfiction output consists of argumentative and amusing personal essays, which appeared in Meditations in Limbo (1970), The Uniformed Man (1971), The Meditations of Taban lo Liyong (1978), and Another Last Word (1990), among other collections; bold literary criticism (The Last Word [1969]); and half-serious quasi-political commentary (Thirteen Offensives Against Our Enemies [1973]). Liyong also edited the collections of oral lore Eating Chiefs (1970) and Popular Culture of East Africa (1973), as well as an English translation of Ham Mukasa's Sir Apolo Kagwa Discovers Britain (1973). His aim seems to be to startle the reader out of complacency by presenting


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Rid your property of hazards with safe & thorough asbestos ceiling removal in Long Beach CA
Sometimes called popcorn ceilings or cottage cheese ceilings, that bumpy stuff covering the ceilings of your bedroom or hallway was probably installed with the aim of reducing noise and hiding ceiling imperfections. Unfortunately, it may contain asbestos, especially if it was installed between the 1950s and the 1980s. Now that we know asbestos is hazardous to human health, asbestos ceiling removal in Long Beach CA is one of the top three most common asbestos removal projects done by homeowners.
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If you suspect you may need popcorn ceiling removal in your home, ask yourself these three questions:
Is it really asbestos?
A professional asbestos testing service can safely take a sample of your popcorn ceiling and tell you if it contains a high amount of asbestos content that necessitates cottage cheese ceiling removal.
Is the ceiling damaged?
If the ceiling itself (not just the paint) is damaged, it may already be releasing dangerous asbestos fibers into your home. Because these fibers will be drifting down from the ceiling, they can easily travel on air currents and land throughout your home, making quick acoustic ceiling removal vital.
Is it likely to become damaged?
Even if your ceiling is not currently damaged, you may wish to invest in asbestos ceiling removal in Long Beach CA anyway in order to prevent future problems related to accidental or deliberate damage during children's play or a renovation.
Why Hire a Professional for Asbestos Ceiling Removal in Long Beach CA
Due to legal restrictions, your only options for asbestos ceiling removal in Long Beach CA are to hire a contractor certified for this activity or to complete the removal yourself. Considering that completing an asbestos ceiling removal in Long Beach CA requires special equipment such as ventilators, safety clothing, and respirators, as well as meticulous attention to detail when sealing off the work area and containing the asbestos waste, you probably don't want to handle it yourself and risk exposing yourself or others to contamination. By hiring a professional contractor such as AQHI Inc., you don't have to worry about the details. We handle everything for you in a safe and legally compliant manner.
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Safe acoustic ceiling removal can be challenging, especially if the material has been painted as this prevents wetting down the asbestos to limit fiber release. This makes it even more important to follow strict safety protocols such as setting up a sealed work zone, using proper safety equipment for workers, filtering all air exiting the work zone, and decontaminating workers and bagged waste leaving the work zone.
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AQHI Inc. abides by all relevant rules and regulations regarding the transport and disposal of hazardous asbestos waste. We outline disposal fees clearly in our initial bids for asbestos ceiling removal in Long Beach CA so you can rest assured this step will be taken care of with no surprise fees.
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We take pride in leaving the work site very clean after cottage cheese ceiling removal, following a strict regimen of wet and dry cleanup procedures to capture all the asbestos dust and fibers. We can even facilitate air testing if you require proof that the area is now asbestos-free.
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If you want a baseball game for your Xbox One, this is it. I'm not saying it's good, but it's something. And it's only $6.60 this week.
It's also a 5GB download. Seriously, I think that all videogame developers don't care about download size and just bloat it to death. This is an iphone game at best and it's 5 bleepign gigs? Please.


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This is our introductory class for players in Kindergarten through 1st Grade. This class is as much about fun as it is fundamentals. Each player will learn how to:
- Dribble with both hands
- Shooting form (smaller goals and basketballs)
- Passing skills and how to catch
- How to be aggressive/Be a player not a robot
- Learn team concepts
- Learn the rules of the game
- Have fun
The emphasis is in learning not winning. After the class/fundamentals are taught, they will be divided into teams and will play (3) 16 minute games short court. Every player gets to handle the ball, shoot, pass, and run the court. Mistakes are ok as that is the part of the learning process. Cost of the program is $250. 12 players max, co-ed.


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PAIN AND ADDICTION IN LAW ENFORCEMENT IS KILLING COPS BUT THERE IS HELP. It is Law Enforcement's dirty little secret and has cost thousands of careers and even lives. It is addiction and in THE INTERVIEW ROOM with BLUE LIVES RADIO Host Randy Sutton, Dr Alex Cahana, a renowned expert in pain control and addiction and Advisor to Safecallnow.org shares his experience and advise on how to combat this terrible problem.
In his 'VIEW FROM THE BLUE" Randy honors some heroic cops and calls out the media on their constant support of the anti law enforcement narrative. Don't miss it.
Or subscribe with your favorite app by using the address below


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Dear Kay,
Well, my own personal MDK March Mayhem Knitalong is going swell.
Except in one area.
I mentioned yesterday that I've started The Weekender pullover by Andrea Mowry. What I failed to mention was my complete inability to decide on what color of our beloved Tahki Donegal Tweed to use.
So I'm seeking counsel from all you discerning knitters to help me get my Weekender officially under way.
Create your own user feedback survey
Thank you all for rescuing me from the endless loop of "Gray? Gray's good. Gray sucks! What about green? The limey one or the olivey one? Maybe a gutsy red. Maybe blue. Orange would be killer. Dark? Light? HELP MEEEEEEEE."
I'll let you know what The Tribe decides.
(If you're just joining us, here's the skinny on MDK March Mayhem Knitalong, our 64-pattern group knitting extravaganzoo.)


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David Beckham was involved in an angry confrontation with Los Angeles Galaxy fans during his first home game since completing his loan spell at AC Milan.Resentment towards Beckham has run high among L.A. fans recently, following angry words by teammate Landon Donovan about Beckham's lack of commitment to the Galaxy, and also Beckham's general lack of commitment to the Galaxy.
At Sunday's game, the crowd booed Beckham pretty much every time he got the ball, and because he has an inflated sense of his own importance and is unaccustomed to people not clamouring to stick their heads up his ass, he threw a bit of a hissy fit about it, taking time off during the game to approach the stands and taunt the fans back. He then attempted to jump over the barrier and kick some ass in that girly, faux-hawked, sarong-wearing way of his, and had to be restrained. (He later claimed he was only trying to shake the guy's hand.)
After all of which, I'm mighty tempted to tell him to GROW THE FUCK UP, except that he's far more entertaining when he's being an immature little bitch:
The match itself ended 2-2, Beckham doing his talking on the pitch by having a hand in both Galaxy goals.Commenting on the match's events afterwards, Beckham also noted, with his characteristic eloquence and insight:
For the first he played a trademark cross-field ball to Donovan, who then set up Alan Gordon, while for the second, and with Galaxy 2-1 down, it was Beckham's corner that was headed home by Bryan Jordan.
After that he turned to a section of fans who had been particularly vociferous and shrugged his shoulders.
"It was only one or two that, you know, it was to be expected. . . . Sometimes it goes beyond it. . . . That's the way it is."I totally hear what you're saying, man: sometimes it does go beyond it.


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Origami for Kids divider panel
All of us used a cheap cardboard A4 ring binder to store our origami models, split into three sections:
Very first, we hole punched various pieces of coloured cards for the front of the binder, onto which we stuck our models. Some pages we chock-full model by model, as we finished them, dating them and adding one or two comments along the way. Other pages we "themed" - utilizing a darkish blue piece of cards as a background for our various fish models, and adding some decals to make it look more interesting. We connected our models to the card with a glue stick.
Second, we additional Avion En Papier Qui Vole Bien Et Longtemps Facile a number of plastic-type sleeves into which we slipped the origami instructions we had printed away, ready to try.
Third, we used sticky-tape to attach a big envelope to the inside back of the ring binder, by which we store our origami paper safely.
Kids Crafts at Activity VillageAll our kids crafts are easy and quick, require minimal equipment and materials, and offer satisfyingly instant results - because we can say that even crafty kids like to be able see the fruits of these work in action within minutes rather than hours!
We have numerous crafts for children at Activity Community, many adaptable to suit different ages and skills and working well Bateau De Papier Pliage with person children or a huge group. Don't worry that you might want any great expertise or a huge amount of products and equipment. Crafting with children is about having fun, experimenting, taking ideas that you see and adapting them to suit what you have available and what you think your kids would enjoy most. It will always be a good thing to be well prepared!
Scroll down to find our kids crafts sorted by holiday, season and type of activity.
Origami is a exciting and creative craft for kids, particularly if you can find origami models appropriate to their age. Not merely will children get a real sense of satisfaction Faire Un Bateau En Papier Video out of making these fun origami models, nonetheless they will receive practice at subsequent instructions, increasing their guide dexterity, and producing a fun and decorative end-product. Enjoy these easy origami models, specially adapted to make paper folding fun for children! Simple picture instructions and videos make folding easy. We have origami for all sorts of holidays and situations and for each and every day too - explore below!
In order to follow traditional origami blueprints and instructions you must learn, and be able to follow, various emblems and techniques. Our testers found them hard to understand. So, to make our origami as clear as possible for children, we have photographed
our models each step of the way. We hope that your kids can follow along easily!
Explore all our origami models below, or scroll into explore by Topic and Getaway.
Origami for Kids at Activity Village
All Origami in Alphabetical Order
Disney Planes - Rochelle Document Plane Instructions. Origami Holder . Origami Baskets Advent Work schedule . Origami Bat. Origami Parrot Base . Origami Blouse. Origami Booklet. Origami Box. Origami Broomstick
Origami Bunny. Origami Business Card Holder. Origami Candle And Candleholder. Origami Carp Kite. Origami Cat. Origami Cat 2
Origami Heart .Origami Sailing Vessel. Origami Samurai Helmet. Origami Shamrock. Origami Shirt. Origami Star
Origami Tulip. Origami Wallet. Origami Witch's Head wear. Personalised Origami Picture. Origami for Origami Box With Flaps Kids by Topic.
Origami Animals. Origami Animals.Origami Birds Recycling Origami.Recycling Origami.Origami Flowers.Origami Flowers. Traditional Japan Origami Origami for Kids by Vacation. .Origami ntroduction Calendars Christmas Origami.China New Year Origami. origami shamrock diagram St Patrick's Day Origami. Father's Day time Origami. origami box.Easter Origami Halloween Origami Origami pilgrim's bonnet
Thanksgiving Origami Origami Loch Ness Creature St Andrew's Day Origami Valentine's Day Origami Origami Divider
Ideas for Making use of our Origami Models
Make a greetings card... dress them plan ribbon, ribbon, accessories, backing paper as appropriate
Tape them to a wooden spoon and use as sock puppets
Make with a very large piece of paper and turn into face masks
Create a farm or other animal Origami Paper Boat scene, sticking the models to a sizable document and drawing in the background
Produce a mobile by stringing the models upward with thread
Become a refrigerator magnet to give as a home-made gift
Collapse a mini animal or bird model and use as a pencil cover
Stick to a strip of card to make a bookmark - another cute surprise idea
Use as "pieces" at home made board game
Frame your own picture
Decorate a notice board at home or at school
Have an economical way to style up your engine your breakfast boiled egg by adding an origami animal with double on the sides sticky tape (perfect at Easter! )
Make grownup and "baby" animals Origami Heart Instructions or birds by using different sizes of origami document
Origami for Kids divider
Comments from our Site visitors
"I found this site just today as my children asked about learning origami, not my favourite subject as in the past 10 years, I've purchased three different 'origami for beginners' packages and have never handled to result in a single (simple! ) job
"Today, I made my first origami 'basket' - whilst my 8 and 9 year olds made their first fleet of ships, blossoms, a zoo filled with origami animals and more. The instructions are excellent - undoubtedly the best We have seen and the projects good. What a great way to spend a
Call and make an Origami Scrapbook or Ring Binder
One of the downsides of origami is having an frustrating collection of paper designs cluttering up the house, and nothing specifically to do with them!
The majority of the origami models at Activity Community are "flat" and therefore lend themselves to an origami scrapbook or engagement ring binder.
Your kid can store their treasured work, show it off when they wish to, add to the personal pages with drawings, writing, stickers, or other embellishments, and date their models so that they have a record of their achievements and progression.


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Protected by
Online dating has never been easier, especially for single Christians. There are hundreds of Single Christian dating sites out there that can help you to find the partner of your dreams. So what is it that makes our dating site better than the rest. Well, we have the most people signed up. This site was established in 2008. Since then we have had thousands of people come and go on this Dallas dating site. We have matched hundreds of people and even had many couples get married off the back of meeting on this dating site. The sign-up process is simple and straightforward. All you need to do is sign up to the sign-up form at the top of the page and fill in your details. As soon as you have done this, we will take you through to see hundreds of single Christians in your local area of Dallas.
Rather than take our word for it, why not listen to one of our members talk about their experience of signing up to this dating site "I had been on many Christian dating sites over the last few years; this site was different though. All the girls on this site are real girls who are all actively looking for a relationship. I am a kind of "no messing around" guy so when I signed up I wanted to get my monies worth and go on a few dates. By the end of week one, I had already been chatting with two lovely girls, and I was interested in meeting up with both of them to see if there was a spark. I met up with them both and hit it off with this one Christian girl called Ellie. We have now been going out for three months, we are very happy, and I cannot thank this website enough! If you are thinking about giving it a go, I would highly recommend it."


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Richard Groh
Calling hours will be held Wed, Oct. 29thth, from 6-8PM in the
Wrisley Funeral Home Chapel. A Memorial Mass of Christian Burial will be held Thursday, Oct. 30th, at 10:00AM in Holy Family Church,
Sugarloaf Street, South
Deerfield. Burial will be at the convenience of the
Whately , Mass.- Richard Groh, 64, of 242 State Road, Whately died early
Saturday morning ,Oct.25,2014, at home after a period of declining health. He
was born in Rochester, New York, November 22, 1949, the son of Cecily (Smith)
Groh and the late Edward Eugene Groh.
was educated in St. James
School in Rochester,
N.Y and St. Patrick's in Stoneham,
Ma. and graduated from Stoneham
High School in 1967. He
attended Lowell Tech and also the University
of Mass. in Amherst. He traveled the North and Southwest
for several years, returning to Whately 16 years ago. He was engaged in farming
with Harvest Farm and raising flowers for his stand in Whately.
Besides his mother Cecily Groh of Cherry Hill, New Jersey he leaves a
brother Michael and his wife Kristin of Watertown , Mass., two sisters Margaret Groh
Ryan and her husband Steven of Cherry Hill, New Jersey and Barbara Hugo of Pennsylvania. Two
nephews, Ian Groh and Timothy Ryan and one niece Susan Ryan. A cousin Susan
Hayes of Lauderdale By The Sea and his longtime friend Robin Macks.
Calling hours will be held Wednesday from 6-8PM in the Wrisley Funeral
Home Chapel, Sugarloaf Street,
South Deerfield.
A Memorial Mass of Christian Burial will be held Thursday at 10:00AM in Holy Family Church,
Sugarloaf Street, South
Deerfield. Donations in Richard's memory may
be made to the charity of ones choice. Burial will be at the convenience of the
Expressions of sympathy are available at: www.wrisleyfuneralhome.com
Web Hosting powered by Network Solutions®


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Tags Goldii
Tag: Goldii
Mumia's wife, Wadiya Jamal: It's time to stop trying to kill...
Guards stood outside the hospital room and one was inside the room with Mumia. I was shocked at his condition: He had lost over 40 pounds, was weak, barely able to sit up and keep his head up, handcuffed to his chair, with labored breathing and dry mouth. I told him about all the love outpouring for him and that the world is watching!


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PASS News is your source for the latest PASS Community announcements, developments, and updates. News articles are posted regularly, so check back often or subscribe to the RSS feed to stay up-to-date.
As we prepare to launch our new DBA, Developer, and BI PASS Insights newsletters in August, we have updated the mySubscriptions preference center to allow PASS members to subscribe to these new editions.
If you are currently subscribed to the BA Insights newsletter, your subscription preference will remain unchanged and will now display under PASS Insights "Analyst Focus".
If you are subscribed to the PASS Connector but you have not subscribed to BA Insights, you will now be sent the PASS Insights version that corresponds with your myProfile job function to ensure that you continue to receive the most relevant educational content.
The PASS Insights newsletter will transition to a monthly send starting in August. If you wish to subscribe to more than one edition, you can do so now to receive different versions of the PASS Insights based on your areas of interest (up to a total of four per month).
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Jacqueline Humphreys
Call: 1994
Jacqueline is a confident and highly competent advocate, specialising in the financial aspects of relationship breakdown. She joined the St Philips Family Finance Team in 2013 from chambers in Bristol where she had an enviable reputation for quality and attention to detail. In Financial Resolution cases following divorce or civil partnership dissolution she has extensive experience of resolving cases involving family businesses, companies, trusts, pension assets and third party claims on family assets. She enjoys the forensic challenge of tracing hidden assets and is highly effective in cross examination. However, she does not look for unnecessary confrontation and is often able to negotiate a realistic compromise that is advantageous to her client. Jacqueline also has wide experience of financial disputes between unmarried partners including under Trust of Land and Appointment of Trustees Act and Schedule 1 of the Children Act. Other areas of expertise include children matters, domestic violence protection, charity law and ecclesiastical law.
Having worked part time for a number of years, Jacqueline is returned to full time practice in September 2013. She is also a school governor and a trustee of a national charity.
Qualifications and Appointments:
MA (Jurisprudence) Oxon
LLM (Canon Law) Cardiff
Deputy Chancellor of Southwell and Nottingham
Articles and Publications:
TOLATA and Equitable Accounting – was the House of Lords wrong in Stack v Dowden? – Published on St Philip's Chambers website, 2013
Corporate Veil or Iron Curtain?: The limited options of a spouse following Petrodel v Prest. – Published on St Philips Chambers website, 2013
Charity Law Cases Resource Guide, Charity Commission of Northern Ireland, 2011 (with Sarah Knapton, George Rowell & Alex Troup).
'The Civil Partnership Act 2004, Same-sex Marriage & the Church of England' (2006) Ecc. L.J. 8, pp 289-306.
'The Right to Marry in the Parish Church: A Rehabilitation of Argar v Holdsworth' (2004) Ecc.L.J. 7, pp 405-417.
'The Shipman Injunction: Right or Wrong?' Private Client Business (1995) p368, (with Philip Moor).
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Is there someone who can please perform this experiment, or if you are knowledgeable, tell me the results - I've used VirtualBox and VMWare server, neither worked properly, as I wasn't able to go online in the virtual machine for unknown reasons.
In a virtual machine - running say Ubuntu or XP, it doesn't really matter. The VM will have a MAC address - probably a random number (if you are using VirtualBox).
Using a wireless router, have a look at the routers webpage (from a browser in the host) and see what mac address it is saying that it is connecting to.
Is it a) the Mac address of the virtual machine b) the Mac address of the host or c) both.
Thanks! I have a feeling that it is a certain answer, but I'd like to know what it is in reality.


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By Jarod Todeschi
Staff Writer
"All persons born or naturalized in the United States, and subject to the jurisdiction thereof, are citizens of the United States and of the state wherein they reside," reads the first sentence of the fourteenth amendment of the United States Constitution — words that have regularly sparked controversy and debate across party lines.
As the fourteenth amendment suggests, when foreigners come to the US to give birth, travellers are all delivering American citizens, as long as they hwave the proper visas. The practice of pregnant women travelling to a country differing from that of their residence exclusively to give birth is referred to as "birth tourism." With this practice growing in popularity, the USA has become a trendy and logical place for a certain class of people from China and Russia to give birth among luxurious treatment. Hong Kong and Canada are additional worldwide birth tourism hot spots.
There are various methods that travellers use if they intend to give birth while in the USA. Earlier this month, authorities in southern California uncovered a competing trio of maternity hotels. For price tags between $20,000 and $100,000, mothers could be advised on all steps of the process with varying amenities. One unidentified Chinese mother present for the law enforcement raid explained, "I am doing this for the education of the next generation."
The commissioned advice could range from strategic lies for the visa applications, travel plans through airports with less interrogating reputations, and even tips on disguising pregnancy in transit, according to The New York Post. While there are organizations that offer similar services in full legality, these schemes are often profit seeking and illegal. Many women opt to arrange their plans legally, as birth tourism is legal as long as one does not commit fraud on their application by including untruthful reasoning or information.
According to the reports on the organizations, pregnant travellers were escorted to doctors appointments, restaurants and shops like Babies R' Us by their maternity hotel handlers. This escort service aimed to guarantee a seamless American baby birth. These agencies attract expecting mothers with campaigns centered on better environmental conditions and educational institutions than what might be present in their home countries.
The US receives large amounts of birth tourists from China and Russia. For pregnant Russian travellers, Miami is one of the most desirable destinations to give birth. Speaking with NBC News, Ekaterina Kuznetsova stated "It's really common," recalling her own experience travelling to Florida, "When I was taking the plane to come here, it was not only me. It was four or five women flying here."
For Russians, Trump owned real estate and resorts are among the most popular accommodations in the Sunny Isles Beach area just north of Miami, a location notably nicknamed "Little Russia" for its proximity to Russian markets, lawyers and doctors. These Trump branded units are owned and subleased by independent buyers, and therefore there is no evidence that Trump or the Trump Organization directly profit from the influx of Russian birth tourists paying to stay in his affiliated condominiums.
These birth tourists often leave the US following their deliveries, hoping that their child's future is brighter with their broader choices and opportunities to participate in the economic and educational institutions of either the USA or their own country of origin and residence.
While specific statistics and numbers on birth tourism cannot accurately be confirmed, the Center for Immigration Studies estimates that 36,000 babies are born in the USA to foreigners annually. In Florida specifically, births of this type have boomed 200 percent since the year 2000.
In certain cases, birth tourism exemplifies a trend among the culturally elite, investing in future privileges and choices for their children. Invariably, this trend is fostering a generation of international children carrying American passports and dual citizenships.
As China and Russia are often muttered along with the USA as influential world leaders, President Trump's immigration concerns have been focused elsewhere. His travel ban has blocked tourist visas from eight countries, a list almost entirely built of African and Middle Eastern regions. Further, the administration has banned approximately sixty three percent of refugees seeking asylum from eleven countries, according to The Balance.
Following a three day government shut down earlier this week, congress agreed to an immigration vote in the coming weeks, set to determine the fate of DACA recipients. Late Monday night, President Trump tweeted, "Now I want a big win for everyone, including Republicans, Democrats and DACA," referring to undocumented youth raised in the states, "but especially for our Great Military and Border Security."


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Mortgage calculators, condos and HOAsDecember 28th, 2010
If you own a condominium and are considering a refinance mortgage, or are considering a new home loan to purchase a condominium, your underwriting criteria are significantly different than they are for a single family home. The primary difference is the participation of the Homeowners Association (HOA) that controls the condominium complex. Mortgage calculators can be set for some underwriting guidelines, such as debt-to-income ratios or closing costs, but cannot help you with guidelines for approving HOAs. If you are using a refinance calculator or prequalification calculator to determine your payment options and/or qualification for a mortgage on a condominium here are some issues that will impact your mortgage approval.
Lender must approve HOA
Your mortgage application package will have three separate entities that will be underwritten: yourself, the appraised property and the HOA. On all mortgages the borrower and property are underwritten to ensure ability to repay the mortgage and the value and condition of the property. Because condominiums have HOAs that all owners in a condo complex must be members of they too need to be underwritten.
The purpose of the HOA being approved by the lender is because of the control the HOA has over the financial and physical condition of the complex and the property. When you purchase a condominium you are going into business with all the other owners, you are all partners in the Association. Together you will decide how much of the monthly dues revenue to set aside for reserves, how much to spend on maintenance, and when to replace major capital items such as roofs and plumbing.
Since the lender is loaning you the money for this business partnership the lender will want to ensure your new partners are on sound financial footing. Even though you may look good with the mortgage calculators, your HOA needs to look good as well.
HOA questionnaire
As part of your mortgage application package the underwriter will look at a condo questionnaire completed by the HOA or its management company. The questionnaire will ask:
- How many units are in the complex?
- How many are vacant?
- How many are owner occupied?
- Does any one entity own more than 10 percent of the units?
- Are there any more phases of development?
- What type of liability insurance and fiduciary bonds are in place?
- Is there any on-going or pending litigation?
- How long has the HOA been in control of the association?
The primary guidelines you need to know at this stage as you are considering your refinance mortgage or new home loan for a condo are if over 51 percent of the units are owner occupied and if any one entity (individual, corporation, trust, etc) owns more than 10 percent of the units. If the answers are "no" (less than 51 percent owner occupied) and "yes" (one entity owns more than 10 percent of the units) then you are going to be challenged obtaining loan approval.
There are some instances where litigation may not impact your approval but more often than not pending or on-going litigation will result in a denial for your mortgage application.
HOA budget
In the past few years many HOAs have been adversely affected by lack of dues from members who have quit paying not only their mortgage but also their association dues. In many instances banks have foreclosed on units and re-sold them without making up the overdue payments on the units through negotiated settlements.
With reserves being depleted, vacancies have created a financial crisis for condo owners who need maintenance and repairs to their common areas and buildings. An HOA with these issues is not one you wish to be entering into a partnership with, nor does your lender.
To ensure the financial health of your HOA the lender will require an annual budget approved by the board of directors outlining the revenue and expenses for the year. The budget must include a line item allocating at least 10 percent of dues revenue for reserves. As well a balance sheet will be required showing the HOA has cash available and a reserve account that is at least 10 percent of the annual dues of the association.
When you use mortgage calculators to determine your monthly payments for a condominium, be sure to include your HOA dues.
Finally the underwriter will want to make sure the HOA has adequate insurance coverage. In a condominium the structures are common ownership and therefore must be protected by a master policy--is the coverage sufficient to replace the structure(s) if there is a fire? To protect the financial operation is there sufficient liability coverage and a fiduciary bond in place to protect from embezzlement or mismanagement of funds?
For any refinance mortgage or new home loan on a condominium, while the underwriting criteria are more stringent than for a single family detached home, the extra scrutiny protects you as a homeowner.


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Competition: Win ICC Champions Trophy Tickets to England v Australia with Kingfisher Beer
There a few better ways to celebrate a glorious English summer's day than by sitting down and being treated to one of the best rivalries in sport, let alone cricket. With that in mind, England play Australia in the ICC Champions Trophy at Edgbaston in June, and we've got our hands on a set of 10 tickets to give away to you and your best Joes thanks to Kingfisher Beer!
England v Australia have a fierce rivalry dating back as far as the history of cricket. And while the rivalry is strong no matter what the sport is, you'd struggle to find it more competitive than when the two teams hit the wicket. Well, 1 winner will win 10 tickets to the most exciting cricket tournament of the year – the ICC Champions Trophy 2017 where England play Australia in Birmingham on 10th June.
Not only will you and nine of your best pals hopefully watch England demolish the Aussies and celebrate with a Kingfisher or two as well, you'll also be treated to 'The Ultimate Indian Feast' at one of Birmingham's best Indian restaurants, Ashas. Located in the city's busy shopping district, Ashas is famed for its contemporary Indian cuisine and exquisite service.
To be in with a chance of winning the tickets and meal courtesy of Kingfisher Beer, all you've got to do is answer the following question, get it right and make sure you're following us on Twitter @AverageJoesBlog.
Who is England's leading Test run scorer. Is it:
- Alastair Cook
- Alastair Campbell
- Alistair McGowan
Just fill in the form below and good luck!!
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Portland Co-Branded Stand Together Black History Month Tee - Black
Brand Hyder
30% of every Stand Together purchase goes to Stand Together, directly benefiting our community.
Stand Together, the Timbers, and the Thorns are celebrating Black History Month throughout the month of February. The Black History Month shirt features colors from the Pan-African flag and promotes the message of educating youth, elevating voices, and engaging the community to create meaningful and sustainable change. Stand Together aspires to continue utilizing the power of sport to create agents of change in our community.
- Official Portland Timbers and Thorns logos on back neck
- Front features "Educate Elevate Engage" in the colors of the Pan-African flag
- 100% cotton
- Imported
- Item # 8777
Official Stand Together product


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He'll be ready for adventure on the high seas when he dresses up for Halloween in one of Spirit's Boys Pirate Costumes! These buccaneer ensembles will make your little one eager to break out his best pirate lingo. He'll be ready to scuttle as he threatens to make someone walk the plank when he looks the part in this authentic pirate gear. From hat to sash to jacket, he'll be every inch the swashbuckler as he swaggers around looking fierce. He can add an eye patch and pirate sword for an even fiercer image. From the Pirates of the Caribbean to the Seven Seas, these pirate looks are perfect for any kid who wants to command attention. This classic kids costume will look great on your son and is perfect for trick or treating.
Ahoy, matey! Your son will love dressing up as a seafaring marauder in one of Spirit's Boys Pirate Costumes! He'll look ready to plunder on the high seas in these exciting outfits fit for the toughest of the bunch. He'll be fierce and powerful in an official Pirates of the Caribbean Jack Sparrow costume, featuring his signature jacket, plus a faux fur tail and sash and two belts. He'll look handsome as one of these famed rovers in our Seven Seas Pirate costume, with the black hat and jacket accentuated by the red stash and white shirt. Of course little boys love the drama associated with pirates, from traveling in ships to finding treasure and being ready to do battle. They can learn how to "play" the part of a sailor with some special lingo. These affordable pirate costumes for kids are sure to make him feel like he's in charge, on land or at sea. We also have a wide selection of pirate hats and swords, plus eye patches, so he can enhance his costume and get even more in touch with his inner pirate. He'll score lots of loot in the form of candy when he goes trick or treating in one of these pirate getups.
If you have any questions about which Boys Pirate Costume is right for you or your child, or any of our other boys costumes, please contact the costume experts at Spirit Halloween. We're available to assist you with your questions about size, fit, material, color and other aspects of dressing up in these popular costumes so you can have the best Halloween ever. Contact us by clicking the "Help" button above or by calling our Customer Service Department at 866-586-0155.


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Quitting school to operate a startup is all the rage these days. Billionaire venture capitalist Peter Thiel even has a special fellowship that encourages young people to do that.
Most startup-minded students quit college, not high school, following in the footsteps of Bill Gates or Mark Zuckerberg.
But teenagers are getting into tech at earlier and earlier ages. Writing apps and participating in hackathons are standard ways of getting internships at hot employers like Google and Facebook.


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Not every gaming group gets to stay together indefinitely, but often times it is possible to run sporadic games for "older groups" over a longer period of time. Planning can spread these intermittent games on "as can" basis and in a broad array of locations, allowing groups to reunite from time to time to continue an adventure. The logistics of this kind of game are in many ways more demanding than more regular games.There are lot of techniques and practices that can make these games smoother and more likely to be enjoyable despite irregular sessions…
Intermittent Session Gaming
When you know that you won't be playing a specific campaign again for an indefinite period there are a lot of pitfalls to avoid. Having a grip on these possible snags can help a group evade them. Here are a few:
- We are fighting the… who.. for the ..what? – Irregular gaming can cause the play group to lose even the broad strokes of a game's plot line.
- I am … someone… and I use.. something to do… stuff – Worse even than plot loss is character unfamiliarity. Expect that long term gaps in a game may diminish people's understanding of character mechanics.
- The gang's all here… almost. – Irregular gaming can result in varied play time, location and other logistic concerns which in turn may mean getting sparse and inconsistent attendance.
- Where is it? – The physical reality of long term irregular gaming means that things can be left behind, lost or destroy (in floods, fire or at the hands of toddlers).
Prepping for the Irregular
With some of the above issues in mind there are a lot of ways to combat the issues pervasive in the interruptive or irregular game sessions. Here are a few ideas to help keep things flowing:
- Digital Backups – Between travel, schedules, work logistics and the like it is very likely someone will forget, lose or accidentally destroy their character sheet or maybe even the adventure. Scanning, taking pictures or otherwise authoring digital versions of the game assets can be life saving (or time saving at least) measures to help keep people ready to play. As an added bonus, players and GMs can check up on these characters for planning purposes to keep the story, characters and plots fresh.
- Simpler or Repeating Storylines – Classic mythic patterns, repeating story elements and reprising villain groups or organization is rarely "too common" for the irregular game experience. Reinforcing an army, invasion or other threat over the course of several sparse play sessions helps unify disparate sessions. Don't be afraid of clean, basic setups.
- No Special Snowflakes – Avoid at all costs mechanics or story-lines that require any one or grouping of players to be present. Characters that are parts of larger affiliations of adventurers, explorers or mercenaries can help define larger plot momentum without being the sole focus or prophesied messiah.
- Social Media Groups or Wikis – Custom social media groups or wikis can help organize play times and create a mnemonic repository of images, gamequotes, and other virtual memorabilia that can keep the game fresh and living in the minds of engaged players. Additionally, these groups can provide touch-point for rapid re-familiarization in preparation for an upcoming reprise session.
- Adventure Paths or Strong Ongoing Theme – Utilizing a published adventure path (like these) or highly recognizable concept (like a specific adventuring guild or lodge) for the game. The stronger concept or more recognizable the "brand" of the adventure path is, the easier it becomes
Just because a gaming group changes or evolves doesn't mean the games have to end if you don't want them to. Don't be afraid to dust off the dice and older character sheets and create a campaign to span the years.
Want some unusual and memorable rules for your Pathfinder Game? Check out our Pathfinder content at these fine vendors: d20pfsrd.com, drivethruRPG, paizo and RPGNow.


text: Passyunk Avenue is the spine of this neighborhood, which has seen a resurgence in recent years. It seems that a new bar or restaurant is opening on the Avenue every month, making it a cool place to visit and a cooler place to live. Mixed in with the new shops are a collection of stores that have been on the Avenue for decades, like Marra's. And with the efforts of the East Passyunk Avenue Business Improvement District and the Passyunk Avenue Revitalization Corporation, things promise to be even better around these parts in the future.


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For whatever reason, the acclaimed novelist Richard Price, author of Clockers and Lush Life, among other books, decided to write this novel as "Harry Brandt." He must have changed his mind in mid-stream, however, because the fiction of the pen name didn't even last until the pub date and, in consequence, both names appear on the cover.
Whatever the case, The Whites is among the absolute best crime novels of the year. The main protagonist is a middle-aged New York City detective named Billy Graves. In his younger days, Billy was a member of a celebrated anti-crime unit that became known as the Wild Geese, and the members of the group were not above bending the law from time to time to administer a rough justice to the scumbags that they encountered.
Most of the other members of the group have now retired and moved on to other jobs. Billy remains on the force as a sergeant in the Manhattan Night Watch, a group of detectives that catches cases overnight and then passes them on to detectives on the day shift. It's not a particularly exciting or fulfilling job, but at this point in his career, it's just what Billy needs.
Billy remains in touch with the other former members of the Wild Geese, and they occasionally get together for a reunion dinner or some such thing. But all of them, Billy included, are troubled individuals, unhappy both in their careers and in their personal lives. Each of them has a case from the past that continues to haunt him or her, usually because a perp who committed a horrible crime got away with it. In each case, the detectives know who did it, but they just never had enough proof to make the case. These cases are know as the "Whites," the name taken from a great white whale that once famously bedeviled a nineteenth-century sea captain.
Billy Graves is absolutely in love with his wife, Carmen, who is a nurse. But Carmen has deep secrets of her own from long ago, and she is as troubled in her own way as Billy is in his. This is one reason why he prefers the night shift, because it minimizes the time they have to spend together. Then in the middle of the night, Billy catches a case in which a man has been stabbed to death in Penn Station. But this is no ordinary slaying because the victim is one of the Whites that has for so many years dogged one of the other members of the Wild Geese. The slaying changes Billy's life and resurrects a lot of trouble that would have been better left buried deep in the past. And from that point on, Billy's life descends into the proverbial hell on earth.
Richard Price is truly a gifted writer who has a great way with language and who uses this story as an opportunity to probe into the hidden corners of the souls of the characters he has created here. They're all vividly drawn and the story sucks you in practically from the opening page. The Whites is a story that works at many different levels and if it's not the best book I read in 20015, then it's very close.


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text: BOOK NOW! div> AGRIRELAISLODGINGSpacious halls, a quiet reading room and a light-filled veranda overlooking the garden, we have facilities to suit every taste and every requirement. Our individual and perfectly appointed guestrooms offer delightful views of the vineyards, the hills and the olive groves surrounding the estate. Our "charme" guestrooms are intimate and cosy, while our "superior" suites are larger and offer a private balcony or direct access to our gardens. All guestrooms are fully equipped with air conditioning and heating, minibar, in-room safe box, hair-drier and complimentary Wi-Fi. READ MOREDININGOur restaurant welcomes all guests to discover and enjoy Sicily's finest traditional dishes and the full range of Baglio di Pianetto's wines. Please make sure to reserve your table. Discover our Menù BENVENUTITHE CELLARHere at Baglio di Pianetto we are delighted to welcome our visitors into the heart of our wine estate. Join us for a tour of the vineyards and cellar to know more about our wine-making process, from the care of our grape vines to the final packaging of each bottle. The guided tour will end with a final wine-tasting session which can be designed to accommodate the interests and needs of each individual group. Tastings can be paired with a selection of local food specialties. Tours are available via booking, for a maximum of 30 participants. read moreBANQUETING E MEETINGSLocated just a few miles away from the main city of Palermo, Agrirelais is the perfect venue to host weddings, banquets and functions. The elegance of our restaurant, the warmth and courtesy of our staff and the creativity of our chef are all you need to plan your dream wedding or your special event.


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Back during the days when Nick-at-Nite was awesome, I was a huge fan of the I Love Lucy show. One of my favorite episodes was "Lucy's Italian Movie," where she went to work at a vineyard stomping grapes to "prepare" for a movie role (that ended up being completely unrelated to grape stomping). Imagine my excitement when I found out that Irvin House Vineyards on Wadmalaw Island, SC has a Grape Stomp Festival!
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This was a question I posed to my American literature students last semester, and I think it's a question we should all ask ourselves. If the only names we can think of are Shakespeare, Faulkner, Hemingway, or [insert numerous other white authors here], then it's time to do some work! I've started a Google doc list (link in my bio) with links to texts by Black authors (where available) starting with early American authors (that's my specialty, so it's what I know best, and it's in no way a complete list...there are a lot of amazing authors and it's taking time to compile!) so you can start reconstructing your literary canon. . . I'm happy to answer questions, add texts you recommend to the list, or help you find resources! And if you want to buy some of the books, I encourage you to purchase them from local bookstores rather than Amazon. 📚
My hair is incredibly damaged because I haven't had a haircut in a loooong time (and don't plan on getting one anytime soon). I've been surprised at how well this shampoo, conditioner, and leave-in cream have made my split ends less scraggly! And who doesn't love naturally-derived ingredients? 💁🏻♀ . . #IAMBETTERNATURED #complimentary @betternatured @influenster
Although I did wear this dress today, I was not prancing around in a pergola of flowers because it dumped rain allll day (and y'all, these puppies are stank 😝). I love a good jersey swing dress, though, especially when I don't know what to put on or want to be a little dressy but a lot of comfortable. I linked a few different ones on the #liketoknowit app (and one with pockets!). . . . http://liketk.it/2PH5e #liketkit @liketoknow.it #LTKworkwear #LTKunder50 #LTKspring
Today I get a gold star because I put work clothes on, did my makeup, and fixed my hair for the first day of my summer class! ⭐ I also led my class in my newly painted pink living room (soon to be office/library) 💕 I was a bit nervous about the pink after I started painting, but I'm loving it!!! . . You can instantly shop all of my looks by following me on the LIKEtoKNOW.it shopping app ⭐ http://liketk.it/2PDcO #liketkit @liketoknow.it #LTKworkwear #LTKunder50 #LTKspring . . #biscottiandaphd #ncblogger #smalltownblogger #professorstyle #professorlife #teacherstyle #wfhstyle #styleblogger #fashionblogger #targetstyle #targetfinds #budgetstyle #budgetfashion #styleover30 #fashionover30 #discoverunder500 #discoverunder1k
The sun is shining and it's toasty in North Carolina this weekend! ☀ Last year I did a review of some of the popular canned beverages - it's a tough job, but someone has to do it 😉 The link to the post is in my bio! 🥂 Have you tried any of these? What are your thoughts? Let me know! . . . . Outfit is old, but I linked some similar-ish stuff in the #liketoknowit app! . . . . #biscottiandaphd #ncblogger #smalltownblogger #weekendstyle #styleblogger #realoutfitgram #budgetstyle #summerstyle #southernblogger #southernstyle #beveragereview #coronarefresca #whatimdrinking #discoverunder500 #discoverunder1k #discoverunder2k #springstyle #thatsdarling #mdw2020 #picnicathome
The truth is, I haven't worn makeup or "real" clothes since May 1, and I've breathed in so much paint primer today that I don't have any brain cells left for a witty caption 🤪 but I very much like this tie dye romper; unfortunately, it's from last year and I can't find the exact pattern, but I've linked this one in black + some other patterns, and another tie dye version on the #liketoknowit app! . . . http://liketk.it/2PoVB #liketkit @liketoknow.it #StayHomeWithLTK #LTKunder50 #LTKstyletip
Today I was supposed to be in San Diego (for the first time) for the American Literature Association conference. 📚 I know, it sounds nerdy and boring, but I look forward to it every year. Instead, I took a trip to Lowe's, which is basically the same as going to California, right? 😐 If you've been, please share your favorite spots! . . Also, I was happy to see most people wearing masks...but of those, about 75% had them below their nose or chin or pulled them down to talk to people...🥴 #whytho
Just a little #tiedyetuesday roundup of items that I'm loving right now! And everything except the bathing suit is under $50! 🙌🏼 . . http://liketk.it/2P9EU #liketkit @liketoknow.it #LTKstyletip #LTKsalealert #StayHomeWithLTK . You can instantly shop my looks by following me on the LIKEtoKNOW.it shopping app 📲
These are the best boots for gardening, rain, and taking the puppies out in the dewy grass 🐶 I have totally gotten my money's worth out of them in less than a month! . Are there any gardeners out there? What's your favorite stuff to grow - fruits and veggies, herbs, flowers, or a combo? 🍎🌽🌼 . . http://liketk.it/2OZdb #liketkit @liketoknow.it #LTKunder50 #LTKspring #LTKshoecrush Screenshot this pic to get shoppable product details with the LIKEtoKNOW.it shopping app
#flatlayfriday because I don't wear real clothes anymore 😬 But this would be so cute for a fun summer weekend date...and this dress is under $10! Seriously. . . Shop this look on the #liketoknowit app or use the link in my profile! . . #biscottiandaphd #flatlayphotography #flatlaystyle #styleblogger #fashionblogger #summerstyle #ncblogger #smalltownblogger #smalltownstyle #summerbreakstyle #vacationstyle #southernstyle #southernblogger #discoverunder1k #discoverunder2k #discoverunder500 #budgetstyle #budgetfashion #styleonabudget #fashiononabudget http://liketk.it/2OUBn #liketkit @liketoknow.it #LTKspring #LTKitbag #LTKunder50
A while back my dad sent the pic on the left of my mom (mostly to brag about his jet black hair) ❤ Call me crazy, but based on these two pictures, I believe I might just be my mother's daughter. #likemotherlikedaughter #igotitfrommymama
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text:
(Sound of reaching for chips in a plastic bag, a match being lit, and a smoker taking puffs. Son opens door, home from a vacation, the Dad doesn't getting up to greet him.)
Son: Hey Dad! (Dad coughs on the weed from startlement) Are you OK?
Dad: (recovered but out of breath) I'm fine, I just didn't think you'd be home so early.
Son: Wait, are you?... You're just eating falafel balls out of a bag!
Dad: Anything wrong with that?
Son: No... But can you open a window at least? The house wreaks of pot!
Dad: This is the fourth century, there are no windows.
Son: Oh...
Dad: I know we talked about my not smoking weed in the house, but I thought you wouldn't be home until prima noctis hora, so I figured there was time to air out the house. Besides, don't you Christians preach all that forgiveness shit?
Son: It's OK. Father Theodosius says I need to work on forgiving you more.
Dad: That idiot is absolutely right!
Son: Don't you want to hear about my vacation?!
Dad: You'll tell me all about it anyway.
Son: Oh it was so amazing! Our youth group leader took us to the oldest baptistry chapel in the Byzantine Empire! It was fifty years old!
Dad: (bored) Sounds amazing.
Son: It had a painting of Jesus healing the paralytic at Capaernum.
Dad: Healing the what?
Son: I told you about that! Jesus made a crippled man walk!
Dad: Oh, that's right!
Son: And a painting of the three Marys at the tomb of Jesus!
Dad: Three what?
Son: Three Mary's!
Dad: Three women? All named Mary?
Son: Yeah.
Dad: I mean... don't you think it's a little weird?
Son: What?
Dad: ...That they all had the same name?
Son: No... (considering) Not really... (faith comes back to him) No!
Dad: You ever get to thinking that there's a slight chance that there was only one Mary, and people got confused because the story got told so many times?
Son: I have no idea what you're talking about.
Dad: Who were these Mary's?
Son: Mary, mother of Jesus.
Dad: OK, so far, so good.
Son: Mary Magdalene, the
Dad: This whole Jesus thing of yours is really obnoxious.
Son: Well we can't all get satisfaction out of going a million pedes (Latin for footsteps) out of our way to every music festival from us! Didn't you go to one last year where they burned some guy alive?
Dad: Come on. I had to go to Burning Man at least once.
Thursday, November 8, 2018
Tales from the Old New Land Reboot - Tale 1 - Just War - A Very Little More
Posted by Evan Tucker at 6:03 PM
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text:
Boston baked beans and eggs
1 tbsp olive oil
2 beef bacon rashers, thinly sliced
1 chopped onion
400g chopped tomatoes
2 tbsp treacle
2 tbsp brown sugar
2 tsp mustard powder
2 garlic cloves, chopped
1 red chilli, sliced
2 bay leaves
1 tbsp red grape vinegar
4 eggs
To serve
Rocket leaves
Feta cheese
Buttered toast
In a large, heavy-based, deep frying pan, heat oil on a medium heat. Sauté beef bacon and onion for 6-8 mins, or until the beef is browned and the onion softens.
Stir in the tomatoes, treacle, sugar, mustard, garlic, chilli and bay leaves. Bring to a simmer. Reduce the heat to low and simmer, covered, for 15 mins.
Add beans and vinegar. Simmer, uncovered, 4-5 mins, until the sauce thickens. Season to taste.
Using a large spoon, make four 'wells' in the mixture. Crack an egg into each well. Cook covered for 3-4 mins, until egg-whites are completely set. Scatter with rocket leaves and crumble feta over. Serve with toast.
Tip: this dish would also work well as a vegetarian meal – just swap the beef bacon for 200g of sliced button mushrooms.


text:
Mount Enon Missionary Baptist Church
1501 W. Dr. Martin Luther King Jr. Way
Dayton, Ohio, 45402
1501 W. Dr. Martin Luther King Jr. Way
Dayton, Ohio, 45402
2:00p.m. Book Discussion, 3:00p.m. Tour.
Park in the Euclid Ave lot and meet inside the Church's Euclid Ave entrance.
Discuss David McCullough's The Wright Brothers, at this historic church that started its life as the Euclid Avenue United Brethren Church which included members Orville and Katharine Wright! Bishop Milton Wright was present at the laying of the original cornerstone on May 28, 1911. A 50 minute book discussion will be followed by a tour of the church, which is a City of Dayton Historic Landmark and has been designated with an Ohio Historical Marker. Mt Enon Missionary Baptist Church, an African American church founded in 1925, purchased the United Brethren Church building in 1962 and remains a vibrant presence today. Their facilities are available for event rental. This event is part of the Miami Valley Big Read Celebration. Free and Open to the public.
Come early to explore the Wright-Dunbar neighborhood, where the Wright Brothers designed the airplane and where Paul Laurence Dunbar began his writing career. Mount Enon Missionary Baptist church is within walking distance of the Paul Laurence Dunbar House (Free admission, Open Saturday 10am-4pm with the last tour at 3:30pm) and the National Aviation Trail's Wright Dunbar Interpretive Center (Free admission and maps, Open Saturdays 9am-5pm)
Age group


text:
Danish Kaneria scrambles tie for Essex off last ball
Southampton (Hampshire Hawks won toss): Hampshire Hawks tied with Essex Eagles
Although buoyed by their overwhelming triumph over Sussex on Tuesday evening, Essex were unable to repeat that against Hampshire under the Rose Bowl floodlights. They needed 18 off the last two overs, which came down to 11 off six balls and finally three from the final ball, bowled by Billy Taylor.
The innings was given some impetus by Jason Gallian but, on a pitch more reminiscent of those on this ground when Hampshire first moved here, the middle order did not excel. Danish Kaneria did manage to scoop the last ball over mid-wicket for two runs, but he and his partner, David Masters, could not return for the necessary third run.
If Hampshire's innings hardly was off to a flyer, the response by Essex positively


text:
Merry Christmas!
I just want to take a minute and thank all of our customers, clients, podcast listeners, MLM
Training Club, Programming Your Mind for Success, and Network Marketing Leadership Development Academy Members for making 2018 a great year for Calvert Marketing Group.
In spite of a very disrupted fire at our office in June, we learned a lot this year. Because of your support and feedback and we are entering 2019 with more excitement and anticipation than I can ever remember having, going into a year in a long time.
Around this time of the year, people always asks me what they can expect in their business in 2019? My response is the same. It will be about the same as 2018. The only person that can make a difference is you. If you get better, so will your business, it is really that simple. The challenge is people are not CLEAR on the steps they personally need to take to get better. I hope this article will help you.
I have shared with you how I am feeling about 2019.
What about you? Do you know in your heart and soul that you will move your life and your business forward in 2019? If you don't have that assurance, I would invite you to check out.
There is nothing you can do that will have a more positive impact on your 2019 than going through this free workshop. It comes down December 31st, so don't even read the rest of this post until you click the link above and get registered.
Daily we have been reading testimonies like this since we opened up the free workshop the middle of December.
PLEASE UNSUBSCRIBE to our emails
During the month of December I make it a point to unsubscribe to every email list that I don't get value from. I believe we should all eliminate as many voices from our life as possible. If I don't provide you real, wisdom of the ages, value then you should unsubscribe.
Those of you that have been on our email list for years, know we don't bombard your email box. If we send something to you, we believe it provides real value and is something we are personally using in one of our businesses.
Our commitment is to entrepreneur minded people in any niche, period. Our loyalty is not to a particular niche, business model or company, it is to you our entrepreneur minded readers.
Many of you are network marketing leaders, some market products and services through Amazon, eBay, Etsy, Facebook Market Place and other channels. Some of you are authors and information product publishers, some are affiliate marketers, internet marketers, own mom & pop businesses, and the list goes on and on.
We respect you, we believe in you and your entrepreneurial spirit.
However if you are a person who got bit once by the entrepreneur bug, and today have lost interest, we don't want to waste your time and fill your inbox with insights you don't find valuable. Please hit the unsubscribe button at the bottom of any email that comes from our office. No hard feelings, we will always be here, if and when the bug bites again!
I believe the most important entrepreneurial trait you must develop at this point forward in history is FOCUS. I am not going to go much more into that here, because I recently did an entire podcast episode on the subject of Focus that you can hear right here:
This brings me to the next topic which I have mentioned in several podcasts this year, you are probably going to hear me talk more and more about, it is a concept called…
I did a webinar training on this topic, it is probably available at www.MLMSuccessWebinar.com. What does JITL? There is an old Chinese Proverb that says:"When the Student is Ready, the Teacher will Arrive"Click To Tweet
I recently read that the average American is exposed to 5,000 different ads a day.
If you spend anytime online, those numbers are probably even higher. As it relates to the entrepreneur markets it is the same thing over and over.
The headline sucks us in, we think they seem sincere, and we buy the fu fu dust expecting to easily add six figures to our bottom line in no time at all. Remember what Jim Rohn told us "Never mistake sincerity with truth, because some people are sincerely wrong"
AT SOME POINT YOU HAVE TO REALIZE IT DOESN'T WORK THAT WAY. If there were a secret software is making them millions, why are they trying to sell it to you for $197.00?
I believe your gut instincts are normally right, but there are many people in the market place who have one goal. Extract as much money from newbies as possible. They are awesome at telling ½ truths and tugging on people's emotional triggers. They believe sell to everybody at all cost, even if they don't really need what they are selling.
This is why I am constantly trying to remind our readers to look behind the curtain, and never purchase anything from anyone who doesn't have a documented track record of success.
With all that said, I believe you learn how to be product in a business sequentially, piece by piece, concept by concept. You cannot teach Algebra to someone who hasn't learned basic addition yet.
The entrepreneurial world is full of people that want to be Noble Prize Mathematicians who have never learned how to multiply 5X5. During this holiday break it may be a good time to review the 5 Core Fundamentals of network marketing and ask yourself, how many of these have you MASTERED?
Mastering these fundamentals will take you as far as you desire to go in the network marketing business model. Most people find themselves fifteen years down the road in network marketing with one mediocre year repeated fifteen times.
Their impatience put them into a pattern of constantly looking for the magic product, company, or hack that would make them successful and never accepting the fact the real answer was starring them back in the mirror.
It absolutely starts with getting your mind right, and removing the limiting beliefs you have about yourself. The good news is this removal process can be done! This is one of the reasons I only open up the Programming Your Mind for Success workshop once a year. Otherwise, I would be talking about mindset science and programming all the time.
There is no part of developing a network marketing team that I cannot guide you through. However I cannot give you the proper mindsets, or do the work for you. You must do that, and do that consistently and patiently knowing that when you are ready to move to the next level the information and support will be here for you. You can always click the ASK DALE button in the top right hand corner of this website and I will respond. You can't learn everything you need in a few months, so don't try. Find ONE MENTOR, and plug into their systems, and MASTER THEM based upon your personal strengths, and talents.
Systems can be duplicated, personality cannot be!
So one more time I would ask. As you move into 2019, what is the one thing that can help you move your life and business forward more than any other?
I have asked myself that question, and I have my answer. Do you?
Whatever it is, focus there, stay there and MASTER that aspect of the business before you give too much attention to other skill sets and mindsets training. Find a mentor that can help you, and get totally plugged in. If you are really not sure how to answer that question then my suggestion is that you WATCH THIS TRAINING ASAP: 27% Success System.
I promise this platform will give you the foundational knowledge you need to become all you can become, I can't recommend this highly enough, especially if you feel confused and have no idea where you need to start in 2019 and what skill set our mindset you should be mastering.
Last thought.
This time of the year those of us that people say are hard to buy for end up with Amazon Gifts Cards. It is a sad but true fact that a high number of gift cards that are purchased are never used.
So if you end up with an Amazon gift card or two this year. Ask yourself what is the one skill set or mindset I need to master this year to move my life and my business forward? There is a good chance you will find a book or course on Amazon by clicking here that will help you.
If you are not crystal clear about your answer my suggestions are simple.
If you have self-limiting belief and doubt holding you back, or have a team that needs help with doubt this is your answer: PROGRAMMING YOUR MIND WORKSHOP
If you are not sure what the One Thing you need to Master in 2019 this book will help:
If you know where you need to focus, you will probably find a book or course that will help you by clicking here.
I just want to encourage you to GET SERIOUS. Life is not a practice session this is the real thing. You must Run When You Can Run!
I talked to two friends this week, both younger than me that are going through some serious, major health challenges.
Wistful Regret is the scariest state any of us can end up in. Make the very best of 2019 and we will always be here to support and encourage entrepreneurs every way we can. If you are not familiar with the concept of "Wistful Regret" you can listen to the podcast here.
NO FLUFF Session 76: Wistful Regret
I hope 2019 is a wonderful year for you and yours. Expect great blessing to flow your way.
You are appreciated by Dawn and I and our staff at Calvert Marketing Group more than we
can communicate in words. If we have never met personally, I hope our paths will cross
this year!
Dedicated to Your Success!
PS You can stay in the loop daily at our Facebook business page here: www.Facebook.com/DaleCalvertPage. Stop by and say hi!