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ML Coursera 7 - w7: SVMPosted on 20/10/2018, in Machine Learning.
This note was first taken when I learnt the machine learning course on Coursera.
Lectures in this week: Lecture 12.
error From this note, I see that this note of Alex Holehouse is really detailed so that I can use it for the future reference. I don't have enough time for noting as previous note.
- Large margin classification
- Kernels
- SVMs in practice
- Programming Assignment
- So far, we've seen a range of different algorithms
- With supervised learning algorithms - performance is pretty similar. What matters more often is:
- The amount of training data
- Skill of applying algorithms
- With supervised learning algorithms - performance is pretty similar. What matters more often is:
- One final supervised learning algorithm that is widely used - support vector machine (SVM)
- Compared to both logistic regression and neural networks, a SVM sometimes gives a cleaner way of learning non-linear functions
- Later in the course we'll do a survey of different supervised learning algorithms
Large margin classification
Optimization objective
- Alternative view of logistic regression: we see the cost function is a function of $z=X\Theta$.
- To build a SVM we must redefine our cost functions
$$ \begin{align} cost_0 &= -\log(1-\dfrac{1}{1+e^{-z}}) \\ cost_1 &= -\log(\dfrac{1}{1+e^{-z}}) \end{align} $$
- Instead of a curved line create two straight lines (magenta) which acts as an approximation to the logistic regression $y = 1$ function
- So here we define the two cost function terms for our SVM graphically
So we get (new SVM cost function)
We use another notation to minimize problem
- Unlike logistic, $h_{\theta}(x)$ doesn't give us a probability, but instead we get a direct prediction of 1 or 0 (as mentioned before)
Large margin intuition
Logistic regression only need $X\Theta\ge 0$ to get $h=1$ or $X\Theta <0$ to get $0$. SVM gives us a clearer way ($X\Theta \ge 1$ and $X\Theta <-1$ respectively).
- Consider a case in which $C$ very huge, we need to choose $\Theta$ such that $A=0$ ($A$ in $CA+B$).
- If $y1$, we need to find $\Theta$ such that $X\Theta \ge 1$
- If $y=0$, find $\Theta$ such that $X\Theta <-1$
When $CA=0$, the minimization problem becomes,
Mathematically, that black line has a larger minimum distance (margin) from any of the training examples
Mathematics behind large classification
Kernels I
That a hypothesis computes a decision boundary by taking the sum of the parameter vector multiplied by a new feature vector f, which simply contains the various high order x terms
We choose landmarks $l^{(1)}, l^{(2)}, \ldots$ and then using the similarity (kernel) between $x$ and each landmark $l^{(i)}$.$$ \begin{align} \text{similarity} = k(x,l^{(i)}) &= \exp\left( -\dfrac{\Vert x-l^{(i)}\Vert^2}{2\sigma^2} \right) \\ f_i &:= \text{similarity}(x,l^{(i)}). \end{align} $$
- $\sigma$: standard deviation
- $\sigma^2$: variance.
- $\Vert \cdot \Vert$: Euclidean distance
- There are many kernels, above def of similarity is Gaussian kernel.
- We call $f$ landmark also!
Kernels II
- Where do we get the landmarks from?
- For each example place a landmark at exactly the same location
- Given $m$ examples of $n$ features $(x^{(i)}, y^{(i)})$ for $i=1,m$.
- Choose landmarks: $l^{(i)} = x^{(i)}$ where $i=1,m$.
- We will build $m$ landmark $f^{(i)}$, each of them is built from
- Note that $m$ input elements $x^{(i)}$ becomes $m+1$ landmarks $f$ ($f^{0} = 1$)
- $\Theta$ now becomes $\Theta \in \mathbb{R}^{(m+1)\times 1}$.
- $f\in \mathbb{R}^{(m+1)}$ also.
- Predict $1$ if $\Theta^Tf \ge 0$
SVM learning algorithm$$ \min_{\Theta} C\sum_{i=1}^m \left( y^{(i)} cost_1 (\Theta^Tf^{(i)}) + (1-y^{(i)})cost_0(\Theta^Tf^{(i)})\right) + \dfrac{1}{2}\sum_{j=1}^m\phi_j^2, \quad (n=m \text{ in this case}) $$
- We minimize using $f$ as the feature vector instead of $x$
- $m=n$ because number of features is the number of training data examples we have.
- It's really expensive because there may be a lot of features (= number of training examples). It's good to use shelf software to minimize this function instead. DON'T write your own software to do that!!
- Variance vs Bias trade-off
- Large $C$ ($\frac{1}{\lambda}$): low bias, high variance $\Rightarrow$ overfitting.
- Small C gives a hypothesis of high bias low variance $\Rightarrow$ underfitting
- Large $\sigma^2$: f features vary more smoothly - higher bias, lower variance
- Small $\sigma^2$: f features vary unexpectedly - low bias, high variance
SVMs in practice
Using an SVM
- Don't write yourown codes to linearize the SVM, use already-writen library such as liblinear, libsvm, …
- Choice of $C$
- Choice of kernel (similarly functions)
- No kernel ("linear kernel", use $X\Theta$)
- Gaussian kernel (above): need to choose $\sigma^2$
- Do perform feature scaling before using Gaussian kernel
- Not all similarity functions you develop are valid kernels $\Rightarrow$ Must satisfy Merecer's Theorem to make sure SVM packages' optimizations run correctly, and do not diverge.
- Polynomial kernel:
- use when $x$ and $l$ are both strictly non-negative
- People not use this much.
- parameters: $const$ and $degree$
- Other kernels: string kernel (input data using texts, string,…), chi-square kernel, histogram intersection kernel,…
- Remember: choose whatever kernel performs best on cross-validation data
Multiclass classification
- Many packages have built in multi-class classification packages
- Otherwise use one-vs all method
- Not a big issue
Logistic regression vs. SVM
- If n (features) is large vs. m (training set)
- Feature vector dimension is 10 000
- Training set is 10 - 1000
- Then use logistic regression or SVM with a linear kernel
- If n is small and m is intermediate
- n = 1 - 1000
- m = 10 - 10 000
- Gaussian kernel is good
- If n is small and m is large
- n = 1 - 1000
- m = 50 000+
- SVM will be slow to run with Gaussian kernel
- In that case
- Manually createMul(Dclass*classifica(on or add more features
- Use *logistic Mul(Dclassclassifica(onregression of SVM with a linear kernel** Mul(Dclass*classifica(on
- Logistic regressionMul(Dclass*classifica(on and SVM with a linear kernel are pretty similar (performance, works)
- SVM has a convex optimization problem - so you get a
- Neural network likely to work well for most of these settings, but may be slower to train.
Programming Assignment
A large $C$ parameter tells the SVM to try to classify all the examples correctly. $C$ plays a role similar to $\frac{1}{\lambda}$ , where $\lambda$ is the regularization parameter that we were using previously for logistic regression.settings_backup_restore See again Regularized logistic regression.
Most SVM software packages (including svmTrain.m) automatically add the extra feature $x_0 = 1$ for you and automatically take care of learning the intercept term $\theta_0$. So when passing your training data to the SVM software, there is no need to add this extra feature $x_0 = 1$ yourself.
SVM with Gaussian Kernels
- To find non-linear decision boundaries with the SVM, we need to first implement a Gaussian kernel.
- You can think of the Gaussian kernel as a similarity function that measures the "distance" between a pair of examples $(x^{(i)}, x^{(j)})$. The Gaussian kernel is also parameterized by a bandwidth parameter, $\sigma$, which determines how fast the similarity metric decreases (to 0) as the examples are further apart.
The Gaussian kernel function defined as
File gaussianKernel.m
sim = exp( -(norm(x1-x2))^2/(2*sigma^2) );
Example Dataset 3
File dataset3Params.m
range = [0.01, 0.03, 0.1, 0.3, 1, 3, 10, 30];
predictionErrMin = 100000; % initial
for i=1:size(range,2)
for j=1:size(range,2)
model= svmTrain(X, y, range(i), @(x1, x2) gaussianKernel(x1, x2, range(j)));
predictions = svmPredict(model, Xval);
predictionErr = mean(double(predictions ~= yval));
if predictionErr < predictionErrMin
predictionErrMin = predictionErr;
C = range(i);
sigma = range(j);
Spam Classification
- You need to convert each email into a feature vector $x\in \mathbb{R}^n$. The following parts of the exercise will walk you through how such a feature vector can be constructed from an email.
Preprocessing Emails
- One method often employed in processing emails is to "normalize" these values, so that all URLs are treated the same, all numbers are treated the same, etc.
- we could replace each URL in the email with the unique string
httpaddrto indicate that a URL was present.
- we could replace each URL in the email with the unique string
- Usually, we do:
- Lower-casing: convert entire email to lowercase.
- Stripping HTML: All HTML tags are removed from the emails.
- Normalizing URLs: All URLs are replaced with the text
- Normalizing Email Addresses: with the text
- Normalizing Numbers:
- Normalizing Dollars: All dollar signs ($) are replaced with the text
- Word Stemming: "discount", "discounts", "discounted" and "discounting" replace by
- Removal of non-words: Non-words and punctuation have been removed. all tabs, spaces, newlines becomes 1-space character.
Vocabulary List
- Our vocabulary list was selected by choosing all words which occur at least a 100 times in the spam corpus, resulting in a list of 1899 words. In practice, a vocabulary list with about 10,000 to 50,000 words is often used.
- Given the vocabulary list, we can now map each word in the preprocessed emails (e.g., Figure 9) into a list of word indices that contains the index of the word in the vocabulary list.
- If the word exists, you should add the index of the word into the word indices variable.
- If the word does not exist, and is therefore not in the vocabulary, you can skip the word.
File processEmail.m
for i=1:length(vocabList) if strcmp(str, vocabList{i}) word_indices = [word_indices; i]; end end
Extracting Features from Emails
- You will now implement the feature extraction that converts each email into a vector in $\mathbb{R}^n$.
- $n=$ number of words in vocabulary list.
- $x_i\in {0,1}$ for an email corresponds to whether the i-th word in the dictionary occurs in the email.
File emailFeatures.m


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- 10 on the Tenth
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Tag Archives: The Emerging Church
Wrecked 💥
This book, I found accidentally, but what a treasure. I love people and their stories, and Jackie Hill Perry's is beautiful, on several levels. The College Guy told me to check out Hill Perry's hip hop, which I did. This … Continue reading
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subset: commoncrawl


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Paddle Boards
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Get ready for some weird and wonderful creatures. Today we're going to have another look at the fascinating seahorse and his cousins, the leafy seadragon, weedy seadragon, ribboned seadragon, the pipehorse and pipefish. We'll find out their design secret that scientists have admired and copied; some fun facts; plus there are FREE seahorse colouring pages, posters, puzzles, crafts, adorable posters and creative ideas for our kids… enjoy!
Exodus 20:11 For in six days the LORD made heaven and earth, the sea, and all that in them is, and rested the seventh day: wherefore the LORD blessed the Sabbath day and hallowed it.
Job 12:7-10 But ask now the beasts and they shall teach you; and the fowls of the air, and they shall tell you. Or speak to the earth and it shall teach you; and the fishes of the sea shall declare unto you. Who knows not in all these that the hand of the LORD has wrought this? In whose hand is the soul of every living thing and the breath of all mankind.
Psalm 95:3-6 For the LORD is a great God, and a great King above all gods. In His hand are the deep places of the earth… The sea is His, and He made it; and His hands formed the dry land. O come, let us worship and bow down; let us kneel before the LORD our maker.
Isaiah 40:12 Who else has held the oceans in His hand?
Psalm 135:5–6 For I know that the LORD is great, and that our Lord is above all gods. Whatsoever the LORD pleased, that did He in heaven, and in earth, in the seas and all deep places.
Nehemiah 9:6 You, even You, are LORD alone. You have made heaven, the heaven of heavens with all their host, the earth and all things that are therein, the seas and all that is therein, and You preserve them all.
Revelation 4:11 You are worthy, our Lord, to receive glory and honour and power, for you have created all things; and for Your pleasure they have life and were created.
Psalm 69:34 Let the heaven and earth praise Him, the seas and everything that moves therein.
Psalm 33:8–9 Let all the earth fear the LORD; let all the inhabitants of the world stand in awe of Him. For He spoke, and it was done; He commanded and it stood fast.
Seahorses & Seadragons ~ FREE article for kids (Paper Gifts for Estefany) giving glory to God as designer and jammed packed with amazing fun facts about these fascinating little creatures; free printable
The Amazing Seahorse (creation.com) from scientists who take the Bible seriously; The Creator offers few sights more incredible and yet more delicately beautiful, than a living sea horse. It swims erect and slowly, with its tail twisting forward to perhaps grip a seaweed frond while its alert eyes search for food or danger… Sometimes sea horses meet in midstream and tangle their curling tails. Then, just as elegantly, they uncoil them from each other and sedately swim away… study the sea horse carefully and you find evidence that points to its being wonderfully designed by God the Creator; share a snippet about this amazing creature with your child
Enter the Sea Dragon (creation.com) from scientists who take the Bible seriously; Bizarre and beautiful, leafy sea dragons… look like floating leaves and seaweed, use an air bladder to move up and down in the water… spectacularly camouflaged marine creatures with some truly incredible design features; share a snippet about this amazing creature with your child
Pygmy Pipehorse (creation.com) from scientists who take the Bible seriously; Given its superb camouflage and small size (up to about 5 cm = 2 inches), it's a wonder that this creature was ever discovered at all… lives on rocky reefs covered with red algae in coastal marine waters 6–30 metres (20–100 ft) deep. Its skin has a very useful feature aiding camouflage—it attracts algal growth. The resulting colour mixture is extremely variable with specimens ranging from white to red to green to brown. The amount and colour of algal protuberances on an individual Sydney Pygmy Pipehorse's skin tend to match the algal covering on the reef where it lives… they rise or sink by changing the air volume within the bladder… pipehorses, seahorses and sea dragons as a single created kind, with built-in variety enabling them to colonise and blend into a range of habitats.
Seahorse – fun facts for kids (answersingenesis) from scientists who take the Bible seriously; The male of all seahorse species carries the fertilized eggs in a brood pouch until they are ready to hatch. During this time, an amazing change is occurring. When the young are first developing, the placental-like fluid provides the fertilized eggs with nutrition and oxygen. Later in their development, this fluid changes its chemical content, which helps the unborn young become familiar with the seawater. This chemical change was not the result of chance, random processes but was the creative design of Almighty God.
Seahorse (answersingenesis) Seahorses have a large head with a tube-like snout, a neck that moves, a round body, and a long, slender, tapered tail. The eyes of the sea horse move independently of one another and swivel, constantly looking for food. The neck, body, and tail of the seahorse are marked with circular and lengthwise ridges which look like bony bumps. Seahorses have a small pectoral fin and a single small dorsal fin that they use to hover in the water.
Sea Dragon (answersingenesis) from scientists who take the Bible seriously; The appendages of the leafy seadragon are usually a shade of green or yellow, and the appendages of the weedy sea dragon are purple with a black border. Don't be fooled by the delicate appearance of this creature. It is covered in hard plates and has sharp spines.
Seahorses and Seadragons (seahorse-australia) are one of God's most fascinating and mysterious creatures. Their unique, majestic charm has captivated mankind for centuries. They are sometimes difficult to find in the wild, except by experienced divers, due to their chameleon-like ability to change colour and camouflage with their habitat. It is not surprising that new species continue to be found as more research is conducted… Seadragons are a special member of the Syngnathid family only found naturally in Australia… the Leafy Seadragon, Weedy Seadragon and Ribboned Seadragon. They are adorned with ornate appendages and unlike seahorses, the male… receives the eggs from the female onto his tail where they develop and then hatch, releasing a young seadragon ready to face the world…
Seahorses (creation wiki) Seahorses are one of God's most interesting and remarkable creatures. They almost seem unreal, as if they came from a fantasy land with their curious body structure.
Leafy Seadragons (creation wiki) There are two types of sea dragons, the leafy sea dragon and the weedy… usually green to yellow in color…. covered in protective jointed plates… act only as camouflage… found in Australian waters…. reach a total length of 35 cm and live about eight years. The Weedy Sea Dragon can grow to about 46 cm. They are usually orange/red in color and have numerous whitish spots…
New Pygmy Seahorse discovered (2010) much to scientists' surprise, 100 metres beneath the surface on The Great Barrier Reef, Australia. At 5mm long the newly discovered Pygmy seahorse could be the world's smallest vertebrate. Alternative Link
Seahorses changing colour (Seahorse Q&A forum) fascinating insight into seahorses changing colours in aquariums and how fast they do it; I just found this interesting and thought you might, too (and another reminder how easy and effortless the Creator makes it all look and how everything fits together for each animal in their specific natural environment)
Fossil Seahorses (creationresearch.net – original link removed) …beautifully preserved seahorse fossils in siltstone in Slovenia. He and his colleagues were looking for fossil insects in the area, so finding seahorse fossils was a complete surprise… Give the find a new species name and then claim it as evidence for evolution of species and hope that nobody notices that the new fossil find was instantly recognizable as a seahorse, so close in structure to the living Hippocampus seahorses it had to be put into that group… There is no evidence in these new fossils here that some non-seahorse kind evolved into a seahorse kind, but there is abundant evidence that seahorses have produced after their kind from the first known ones to the present. Furthermore, the seahorses may have lived in beds of seagrass but the fossil insects found in the same rocks did not. Finding well preserved land and sea creatures together is evidence that this fossil bed is not a buried ecosystem, but the results of a catastrophic event that swept up many creatures, mixed them and rapidly dumped and buried them.
Seahorses – designed for God's glory Listen as Craig Hawkins, a seahorse breeder from Australia, talks about seahorses as being the ultimate in God's design. He compares photos of live seahorses and their rarely found fossils, which show very clearly that they are and have always been… (wait for it)… seahorses.
Seahorse – colouring a beautiful underwater scene with a seahorse, oyster shell, fish, starfish, coral and seagrass; free printable
Mr Seahorse giving birth – underwater scene to colour with 4 tiny babies and Mrs Seahorse in foreground; free printable
Mr Seahorse giving birth – underwater scene to colour with 3 tiny babies and Mrs Seahorse in background holding onto seagrass; free printable
6 Seahorse – colouring pages free printable
Seahorse scene – colouring two seahorses facing each other with seagrass background; free printable
Seahorses under the ocean – colouring (Dover sample) with seagrass, fish and shells
2 Seahorses – colouring floating together with their tails curled around seaweed fronds; free printable
Seahorse floating near underwater plants – colouring free printable
Decorative seahorse – to colour in fine detail; free printable
3 Seahorses – colouring (Dover sample) one floating and two with tails curled around plants
Seahorse – colouring with no background, so can be easily added into another seahorse colouring page if you wish; free printable
Seahorses with fish, shells, starfish, coral – colouring free printable
Seahorse with fish, shells – colouring free printable
Seahorse – colour by number (1plus1plus1equals1.net) free printable
Seahorses hiding in the coral – colouring (Dover sample)
Seahorse – cute colouring (scroll down) with no background; free printable
Seahorses to colour or use for crafts with no background; free printable
30 Seahorses to colour free printable
20 Seahorses to colour with no (or very little) background; free printable
Seahorse – colouring with simple background of one shell and some bubbles; free printable
Seahorse – colouring (DuckDuckGo)
Seahorse – word art colouring (Dover sample) words making up a picture of a seahorse with a swirly border
Seahorse – colouring pages (Activity Village) members only
Jazz up your colouring (and puzzle) pages shrink or combine pages to make a new underwater scene; add a border, a title, a Bible verse and some clip art to make your colouring pages more interesting with this easy tutorial
GOD OF WONDERS DVD Ocean creatures are engineering marvels and compelling evidence for an an incredible Creator. Visually stunning and presented by PhD scientists full of awe as they explore our Creator's handiwork and what it reveals about His character, power, wisdom, majesty and care. Take a two minute holiday and watch these Biblical scientists giving glory to God. The whole documentary is fabulous, but in this short segment, they discuss the incredible creatures of the sea.
Ocean in His hands – Isaiah 40:12 (ateachingmommy) Who else has held the ocean in His hands? Bible memory verse puzzle, Bible memory verse card, colours; handwriting practice to help your child memorise the Bible verse and cool devotional to figure out how big God is: Who else has held the ocean in His hands? We know that the ocean is VERY big, isn't it. It holds more water than this bucket, than this cup, and even this pool (or bath tub). Our memory verse this week talks about the oceans; free printable
Under the girly sea (plus1plus1equals1.net) for younger children – easy puzzles, counting, handwriting, learn to draw and other activities; your little girl will love the sweet apricot and pink seahorse (even bigger girls might like some stationery with these super cute graphics on them); free printable
Seahorse shaped maze free printable
Seahorse puzzles and activities Seahorse word search (9 words); Seahorse fill in the blank puzzle from a word bank (9 words); Seahorse crossword puzzle from a word bank (9 words); Seahorse multiple choice (9 questions); Seahorse alphabetical order puzzle – put the 9 words in alphabetical order; Seahorse reading comprehension (4 questions); Seahorse write a story; free printable
Seahorse – dot to dot numbers 1-80; free printable
Seahorse – dot to dot numbers 1-101; free printable
Seahorse – dot to dot numbers 1-46; free printable
Seahorse – jigsaw; tracing; handwriting worksheet, learn to draw (Activity Village) members only
Design your own puzzle specifically tailored to suit your child using the articles or information above to make up your questions and answers giving glory to God as designer.
SOMETHING FUN (AND EXHAUSTING!): Watch Mr Seahorse giving birth to 2000 live babies… in 30 seconds! :o
Seahorse template to cut out and use for crafts; free printable
Seahorse template to use for crafts; free printable
Large seahorse template to use for crafts; free printable
Seahorse craft adorable felt 'stuffies' that could be adapted for paper
Seahorse – 3D craft (Canon) two seahorses in an aquarium to make; free printable
Seahorse sun catcher – craft for kids using tiny mosaics of tissue paper
Tiny seahorses – scrapbooking paper to use for crafts; black on white background with tiny bubbles; free printable
Seahorse – lots of craft ideas for kids (Pinterest)
Ocean diorama create a fun ocean scene in a box and learn all about seahorses, coral reefs and oceans in this fun activity; more sea creature templates here – dolphins, coral reef fish, starfish, crab, octopus, jellyfish, sharks, whales, sea turtles; free printable
Ocean diorama this fun ocean scene in a box hangs like a mobile; free printable
Seahorse and friends – cards (scroll down) for younger children with French labels that could be used as a memory game or Bible verse wallet cards; free printable
Seahorse – learn to draw (click the arrows either side of the picture)
Cartoon seahorse – learn to draw
Pygmy Seahorse – learn to draw
Seahorse – learn to draw (Activity Village) members only
Weedy Sea Dragon – Bible Poster (Paper Gifts for Estefany) with Bible verses from Isaiah 40:12 – Who else has held the oceans in His hand; and Psalm 135:5–6 – For I know that the LORD is great, and that our Lord is above all gods. Whatsoever the LORD pleased, that did He in heaven, and in earth, in the seas and all deep places; free printable
Leafy Sea Dragon – Bible Poster (Paper Gifts for Estefany) with Bible verses from Isaiah 40:12 – Who else has held the oceans in His hand; and Revelation 4:11 – You are worthy, our Lord, to receive glory and honour and power, for you have created all things; and for Your pleasure they have life and were created; free printable
Seahorse – Bible Poster (Paper Gifts for Estefany) with Bible verses from Isaiah 40:12 – Who else has held the oceans in His hand; and Nehemiah 9:6 – You, even You, are LORD alone. You have made heaven, the heaven of heavens with all their host, the earth and all things that are therein, the seas and all that is therein, and You preserve them all; free printable
Seahorse – Bible Poster (Paper Gifts for Estefany) with Bible verses from Isaiah 40:12 – Who else has held the oceans in His hand; and Psalm 33:18 – The Lord watches over those who obey Him, those who trust in His constant love; free printable
Seahorse – Bible Poster (Paper Gifts for Estefany) with Bible verses from Isaiah 40:12 – Who else has held the oceans in His hand; and Psalm 69:34 – Let the heaven and earth praise Him, the seas, and everything that moves therein; free printable
Seahorse – adorable bookmark in lovely colours; add a note of encouragement and a Bible verse on the back; free printable
Seahorse – shaped bookmark on a lavender coloured background; you could easily add a Bible verse or note of encouragement on the back; free printable
Tiny seahorses – scrapbooking paper black on white background with tiny bubbles; free printable
Seahorse – photos
Pygmy seahorse – photos (see the brilliant camouflage the Creator has given these cute little guys)
Weedy Seadragon – photos
Leafy Seadragon – photos
Ribboned Seadragon – photos
Pipehorse – photos
Pipefish – photos
60 Seahorse / Seadragon pics
Seahorse ~ clip art
Found a suitable seahorse or seadragon image that your child will love? Add a Bible verse and make your own seahorse or seadragon:
- Bible Poster or Verse Card
- Bible Bookmark ~ add your child's name
- Bible Note Cards / Bible Notepaper ~ use the same tutorial, but just space out your initial four rectangles.
- Bible Wallet Cards
- Bible Stickers
- Stationery with Bible verse
- Board Game all about God's amazing designs, with answers to be found in the free article for kids
- DIY Activity Book ~ include the free article for kids and choose your own seahorse colouring pages, puzzles, crafts, posters and bookmarks, etc to put in it
Don't forget to jazz up your envelopes if you are including any special treats like seahorse stickers for your homeschool students. Sticker sheets are fine for your sponsored child.
Seahorse – stationery (stationery tree) a beautiful shimmering water border with seahorse graphics in two corners; blank, lined or handwriting; free printable (scroll down)
Seahorse – lined stationery (scroll down) with a small seahorse hiding among seaweed in a circle; free printable
Seahorse – stationery / page border (sparklebox) orange and blue tones; portrait or landscape; free printable
Seahorse and friends ocean border – stationery (pageborders) seahorse, octopus, whale, shark, turtle, crab, tropical fish, starfish on a blue and white border; free versions are fine
Ocean – stationery (sparklebox) a variety of ocean animals around page, with a submarine and scuba diver; free printable
Dolphin ~ FREE colouring pages, puzzles, posters, crafts and creative ideas; free printable
Turtle ~ FREE colouring pages, puzzles, posters, crafts and creative ideas; free printable
Day 5 of Creation Week ~ FREE colouring pages, puzzles, crafts and creative ideas; free printable
And when you write to your sponsored child, don't forget to tell them who designed these fascinating little creatures…
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Urban Bonfire Outdoor Kitchens
Urban Bonfire is a top outdoor kitchen brand that we're proud to have on display in our Atlanta showroom, as well as having it available to customize and purchase over the phone. Urban Bonfire offers a variety of outdoor kitchen island cabinetry, available in a variety of finishes and options. The sleek style of Urban Bonfire outdoor kitchens is sure to set you apart from your neighbors and guarantees your outdoor kitchen to be a beautiful centerpiece to your outdoor paradise. Urban Bonfire offers a beautiful assortment of cabinetry finishes, door styles & handles, and countertops & work surfaces. They make it possible to create a truly personalized outdoor kitchen that's sure to be an outdoor masterpiece.
Our in-house designers are here to help you create your ultimate outdoor kitchen. From product selection to space planning and custom sketches, AuthenTEAK is proud to help guide you every step of the way to ensure you experience total peace of mind when designing your future outdoor kitchen.
If you're a Georgia resident or happen to be in town, stop by our Atlanta showroom and get inspired by our beautiful outdoor kitchen displays in our award-winning showroom. Unable to visit us in-person? No problem! Give us a call at 1-866-350-8325 and we'll make sure to guide you through every step of the way.
We look forward to hearing from you and helping you make your dream outdoor kitchen a reality!
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1094 Huff Rd NW, Atlanta, GA 30318
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Create Your Outdoor Kitchen With AuthenTEAK
Warmer weather is here and that means that now is the perfect time to complete your backyard paradise with an outdoor kitchen. We know it can get overwhelming with the wide variety of options available, so we're here to help you in selecting the perfect pieces for your future outdoor kitchen.


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The Show!
Jul 23, 2015
In our third episode, we give k-Values to some of our favorite comics, discuss what's in our pull box and navigate the ret con! Plus, a new feature: Disappointing Lockjaw
In Episode 4 of All Comics Considered: We talk about our feelings, our pull box, She Hulk and we reveal how we disappointed Lockjaw in Episode 3. You can find All Comics Considered: On Twitter as @AllComicsCast On Facebook: /AllComicsConsidered On Tumblr: Allcomicsconsidered.tumblr.com You can register all complaints or corrections with Lockjaw. […]
In our second episode: We discuss our pull boxes, professor X, the Inhumans and some of our favorite movies. We also try and pressure Nick into getting a bad ass tattoo…. Yet Another Quality Episode!
Jul 22, 2015
In this episode, we discuss our summer plans and how to get people into comics! Nick also changed Marty's name to Scott Baio in the notes, based on the fact that about 20 years ago, Marty and Scott looked a lot a like. Marty, however, is a better person than Scott. You can find All […]
In this Trailer edition of ACC, we talk about some of the leaked–and official–trailers from San Diego Comic Con. Here's what we're watching! Batman V Superman trailer 1 Batman V Superman trailer 2 Suicide Squad X-men Apocolypse Deadpool Vixen Cartoon Fantastic Four Heroes Into the Badlands – Looks comic booky and badass Ash v Evil […]
Jul 20, 2015
Yet Another Quality Episode!
Jul 15, 2015
Hello and Welcome to the Mask of The Phantasm Commentary Track! Rent or buy this Animated Batman Adventure and watch it with us! Yet Another Quality Episode!
© 2020 All Comics Considered


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4 bedroom House in Ashville View, Leeds
1st July 2021
***STUDENT*** or ***PROFESSIONAL***.***£94 PPPW or £110 PPPW ALL INC with GAS, ELEC, WATER, INTERNET, TV LICENCE ***
- Really modern interior and ideally situated in Hyde Park
- Cosy seperate living room
- Fitted kitchen with washer dryer
- x 2 Modern bathroom
- 4 Double bedroom with fitted furniture
- Store room/study room
- TV included in Living Room
- Full fire alarm system
- Central heating and double glazing throughout
- Plenty of parking on the street
- Great location This is a fantastic 4 bedroom student property with a really modern interior and ideally situated in Hyde Park for easy access to both universities,local shops and transportation links. Having been recently refurbished, this property boasts 2 bathrooms with bath and shower, a large kitchen with plenty of work surface space, a dining table, washing machine and seperate dryer. The living room has two sofas and wooden laminate flooring throughout, as well as including a flat screen TV. Each bedroom has double beds and they are decorated to a high standard. The property has full central heating and full double glazing. Not to be missed! Hyde Park has plenty to offer for everyone! Student houses and flats in Hyde Park are the most popular accommodations in Leeds. There is a plethora of bars, shops, supermarkets and restaurants such as the Hyde Park pub, Coop, Sainsbury s, LS6 Café, Hyde Park cinema and the Brudenell Social Club to name just a few. There is plenty of student accommodation in Leeds but Hyde Park is regarded as the heartbeat of student living. Hyde Park is easy walking distance to both Leeds University and Leeds Metropolitan main University campuses as well as the School of Art and the Building College.


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II. Subject Focus
The sharks which I will be discussing are in the family Orectolobidae. Therefore, they have the attributes of an Orectolobiforme, as some of the class has gotten to see close up on Ginglymostoma cirratum. Also known as the nurse shark.
III. Coloration and Size
They have no conspicuous markings. They posess a basic brown coloration which varies from beige to shades of grey which fades gradually to a creamy white beneath. An observation was made that it would appear that those sharks which spend their days in caves are light in color, while those which remain in full sun exposure become darker.
This species is commonly between 6.5' and 10' in length. Some up to 14' have been found.
IV. Distribution, Biology and Habitat
These sharks can be found in the Eastern Pacific and Atlantic Oceans. They are the only species of carpet shark to inhabit the Atlantic.
Nurse sharks are nocturnal, bottom dwelling, inshore sharks found in lagoons and outer reefs. They lay motionless on the bottom with their head in a crevice or cavern. They are known to use the same crevice or cavern for long periods of time.
V. Feeding
This shark's diet consists mainly of whatever can be found. It usually includes sea urchins, crabs, octopus, squid, crustaceans, snails, bivalves and fish. They feed frequently and do so by placing their mouth in the closest possible proximity to a prey, opening the mouth with a vacuum force substantial enough to suck the prey from the safety of its refuge.
VI. Reproduction
The mating of a nurse shark is similar to the parallel swimming of the lemon shark, usually with the male slightly behind the female and at times including a third individual of unknown importance. They become sexually mature at 2.3m in length. They are live bearers whose usual brood counts between 20 and 30, foot long pups.
VII. Disposition
These animals are short sighted and easily frightened. They may attack swimmers, especially when provoked. They may become defensive, if not aggressive! Some divers may dispurse a repellant consisting of a dense cloud of nigrosine dye while in shark infested waters. Most sharks are deterred, but the nurse shark will enter the dense cloud and feed without hesitation while in it.
A bite by this species is brutal for, as is true of the entire family, they are reluctant to release the victim. On one occasion, a nurse shark had to be killed and the jaws pried open before the victim could be released.
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Alter The Press! Presents: Lost In Colour
For Fans Of: Circa Survive, Saosin and Paramore.
Alter The Press: Why should Alter The Press! readers check you out?
Lost In Colour: I don't think any of us have ever wanted to do anything else, as a result we put everything we have into writing and playing music in the hope it will some how change your own life like it has our own. We write songs about how we feel each and everyday, and throw every emotion possible into playing those songs live. If you like music and having a fucking good time then welcome to the family.
ATP: What's the story behind the band?
LIC: We formed in April 2009 with a different line up and completely different songs. After a couple of member changes we decided we wanted to write and play music with more passion and meaning to us, as apposed to writing and playing songs that didn't have much meaning just because that's what people wanted to hear. In April this year we recorded a single with a man called Jason Wilcock at a place on a island in the middle of the thames called Stakeout studios. To us I think that's where our band really started and we haven't looked back since.
ATP: Single highlight as a band so far?
LIC: The other week we played Hevy festival with some incredible bands like; Glassjaw, The Subways, Gallows and pretty much all of our favourite bands. It was crazy to have our band name placed on a bill next to bands as massive as that. It's safe to say we all had the best weekend of our lives. So I think that's the biggest highlight for us so far, hopefully when you ask us again in a few months we will have a lot more to say.
ATP: What are your plans for the 12 months?
LIC: We are heading back to the studio in September to start recording a CD, which will hopefully reach your ears at the start of 2011 along with a pretty music video. We have a lot of tours in the works too, we head out on tour in October which we are all excited about. But yeah like most record and tour, record and tour.
Lost In Colour on MySpace, Facebook, Twitter and Spotify.
Labels: Alter The Press Presents, Feature, lost in colour


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It's finally Friday!! This has been a busy week! I've been on a hiatus but I do have exciting news to report: I signed up for my first 1/2 Marathon this week!! I am actually in my 3rd week of training and will be participating in a road race series which gradually works up to a 1/2 marathon in early November. The series hosts two runs per month. So, this month is 5 mile races, September is 10Ks, October is 10 milers and November is the big 13.1!
Needless to say, I'm loving this quote on my calendar and will likely be reminding myself of this as I increase my mileage.
I am also loving my new running shoes! New gear is a good motivator for me:) I love colorful shoes!
Also, I am enjoying this new olive oil dispenser which I purchased at the farmers market.
It's a neat concept - Re-Hy takes post-consumer bottles from restaurants and engraves them with pretty designs after a 3-part sanitizing process.You can even get your initials on the bottle.
Have a great weekend!


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The makeup of Miami's population is 60% , 22.3% African, and 11.9percent White.
The real estate market place in Miami, Florida is now experienced, for the last 4 decades, an incredible appreciation in values, also can be regarded as one of the leading land markets in the nation. Even a mix of rapid population development, low rates of interest, as well as an extremely desired semi-tropical spot have helped fuel a remarkable
in real estate development and property worth within this hot, sunny town.
Based on 2, 000 U.S. Census figures, the housing industry comprises about 148,388 housing components, just within the city of Miami. Approximately 3-5 percent of those City's residential real estate stock is owner occupied and 65 percentage renter-occupied. arvskifte.se The dog owner occupancy pace of this metropolis is about 2-4 per cent less than Miami-Dade County. Miami's overall residential property estate inventory will be nearly divided amongst single-family components (inch unit detached and connected ) and multi-family units (5 units along with larger).
Jointly, these single-family detached (45,523 units) along with 20+ multi-family structures (39,636 units) account for 57.3% of the city's overall residential real estate inventory. The city now has an average median asking price for housing models of 114,000, as compared to state average of 92,000. The median worth of owneroccupied housing units currently stands at $120,000 120,000.
It's well-known that the actual estate flourish in the metropolis of Miami has really turned into among the most useful and most sought after portions of investments in the country, where by persons coming from all over the planet are cashing in on large collection of Miami pre-construction offers. The fast rate of genuine estate agent deals offer folks the opportunity to build equity in their chosen properties, but not needing to pay the normal inclusive responsibilities including taxes, maintenance fees or fees.
Structure of high-rise home and business buildings and flat components has grown fast across the town. As more residences, condos and apartments are remodeled and built, property market values have since skyrocketed at a remarkably faster rate. In the direction of the middle part of 1998, the taxable property value for Miami Beach was $6.96 billion, significantly more than double since the early 1980's. Moreover, the total estimated price of construction activity has stayed constant over the previous five years, between $150 and $200 million, together with over 3,000 licenses being issued. This indicates a nutritious expense of more than 1 billion in residential and business construction activity from the 1990's.
Even the Miami real estate market nonetheless keeps growing, regardless of worries of the over heated property industry, and developers are ongoing to unveil new high-tech condo projects which are in listing amounts and also are unmatched in size as well as An example is the proposed structure of two 1,200-foot tower units on Biscayne Boulevard at Northeast Third avenue.
At present, several 14,000 condo units are under development and much more than 63,000 models are accepted for construction, or so are now in the permitting procedure, as stated by the current largescale growth Report by the city of Miami's Planning office. In comparison, just around 9,250 models have been performed in Miami over the past 10 years, as stated by the report.


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Van Horn Automotive Group Official Blog
Archive for December, 2013
Community Families Spend Time with Santa at Van HornMonday, December 23rd, 2013
No amount of snow could keep Plymouth area families from visiting Santa on December 14th. From 10 am to noon Santa entertained Plymouth's children with his telling of The Polar Express at Joe Van Horn Chevrolet. During their visit, children took pictures and shared their wish lists with Santa, while snacking on milk and cookies. Each child was sent home with a gift from Santa's sack. Before heading out in his sleigh, Santa visited dealership employees and helped them out with their daily duties. Check out Van Horn Dodge and Joe Van Horn Chevrolet's Facebook pages for Santa updates through Christmas Eve!
Joe Van Horn Chevrolet Helps Stop Hunger This Holiday SeasonFriday, December 6th, 2013
From November 11th the 23rd, Joe Van Horn Chevrolet participated in the first annual Hungry Games. Employees competed to see which of the four company teams could bring in the most non-perishable food. The competition was intense, but Team Teresa celebrated a win with 263 items! All items donated totaled more than 700 making the Plymouth Food Pantry the real winner. Thank you to all who participated!


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Happy New Year!
Welcome to a new year of exciting possibilities and creative potential!
First Members' Meeting 2019
Our first meeting is at 7pm on Tuesday February 19, at Craft House, off Clyde Road in Menora.
A highlight for this meeting will be the opportunity for all members to share work with friends and fellow makers and artists.
Bring your work to display, and there will be time to mingle, examine and chat about the many variations in techniques, styles and interests that members practice.
Be inspired by, or inspire others, at the start of this exciting new year. We would love this to be an opportunity to connect over supper and support each other in creativity.
Our guest speaker for this meeting will be Sophie Mahir, an inspirational speaker and well-known artist promoter. Her personal story and how she has developed a career as an artist, mentor, and business start-up advisor, is fascinating. We think she is just the person to get you motivated for the coming year!
Sophie is the brains behind the Artists Marketing Academy, based in Perth, aimed at all artists and creatives. Read more on the AMA website
First Workshop 2019
Drawn In - Drawn Together: A new workshop with tutor Thelma Cluning
Combining her visual arts classroom experience with personal arts practice, Thelma will explore new approaches to both analytical and expressive drawing, and 'drawing for stitch'.The workshop will include practical drawing experiences, advice on technique and analysis of subject, and design development in textile practice.
Whether you are an intermediate or competent drawer (or sketcher, scribbler, mark maker...!), if you like exploring drawing as a tool for generating ideas, happy to move the traditional to the fanciful in mark making, then this is the drawing workshop for you.
This will be a fun and sociable environment to develop skills, improve visual awareness and provide resources to apply to your own textiles practice.
If you have friends or family who would also be interested, please do introduce them to WAFTA - why not buy them a membership and workshop as a New Year gift to start their creative year? Register Here
Check out our latest instagram posts, with huge thanks to our instagrammer, artist and member Louise Wells. This is one of long standing member Anne Williams' works. Her varied practice includes hand stitch, investigating pigments from the natural world, artist books and recycling potential! More...
Recycling Frocks Rocks
Check out the unique new garments created from old, having fabulous fun in the process with Jane Milburn (centre front row). This was our last workshop of 2018. Keep an eye on your inbox for our new workshops for 2019, starting with drawing for textile arts. More...
Be our Secretary.. please :)
Would you like to join our team of volunteers old and new on the General Committee? We have heaps of fun, and get hands on with the running of this vibrant association. We have a space for someone to take meeting minutes and keep our notes and records. Drop us a note to email@example.com if you are interested and we'll be in touch right away!
Above are some of our previous and current committee members having a great time at the thank you Christmas Lunch for committee volunteers in December. L-R: Julia Andriesavich: Memberships; Jan Holland: ex-Speakers/Minutes; Diane Binns: ex-Chairperson; Jo Franco: Librarian; Liz Arnold: Workshops


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GSSSB Previous Papers PDF Junior Assistant Previous Question Papers Pharmacist Exam DatesGSSSB Previous Question Papers PDF- Gujarat Subordinate Service Board (GSSSB) has issued a recruitment notification to recruit Junior Assistant, Pharmacist, Lab Technician, and Desktop Publishing D.T.P Operator Posts recently. Candidates who are applied they all are searching for Syllabus, Question Paper Pattern, previous question papers, solved papers, model papers and sample papers. Who are preparing for DSSSB jobs they must and should check previous question papers in Gujarati, solved question papers for better score in the written exam?
GSSSB Junior Assistant Pharmacist Time Table
|S. No
|Name of the Post
|Exam Date
|Total Marks
|Junior Assistant
|200 marks
|Junior Pharmacist
|200 Marks
|Desktop Publishing DTP Operator
|150 Marks
Syllabus and Question Papers will be updated soon..
More details will publish soon its official site.
Latest Govt Jobs in Gujarat


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Q.What accessories can be included?
This projector is ready to use out of the box.
Included HDMI wire, Power cable and remote.
Q:What?s the resolution ?
Perfect 1080x1920 native resolution.
Q:Will it play MP4 files off of a usb ?
Yes, this projector can play mp4 files off of a usb.
Q:Is it 30000 hours or just 20000 hours?
The life of the projector is more than 30000 Hours.
Q:What is the Voltage for this projector ? 100-240 V ?
100~240VAC (Auto Switching), 50-60Hz (universal)
Q:Does this have an hdmi input?
Sure, with 2*HDMI port, and there is also 1*VGA input, 2*USB port, 1*TV port, 1* audio input/output.
Q:Does this projector support 16:9?
Yes, it supports 16:9, and 4:3 is available.
Q:Does it work with a PC ?
Sure, you can connect via HDMI .
Q:Does this have built in wifi and bluetooth?
No, this is our first version, we will add these functions in the future.
Q:What is the noise level?
Low noise (<35db). Enjoy quite and comfortable life. Can't even hear the fan unless distinctly listening for it.
Q:Can i play movies in my backyard ?
Yes, you can play movies in your back yard during the Summer Nights. you can also used it on living room, bedroom and so on.
Q:What size of screen is best to use with this projector?
It depends on room size and desired purpose. Our customer like to over 100" and enjoy it.
Send your questions details in the below, Click "Send" now and we will reply you within 24 hours. Thanks.


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Fort Harrison, MT – Montana VA Registered Nurse (RN) Stephanie Larson was recently honored with the The DAISY Award. The award is given for extraordinary nursing.
Larson works at the Montana VA Health Care System's Fort Harrison Medical Center.
The DAISY Award is on-going recognition of the clinical care nurses provide to patients and families all year long. More over, the award was created in memory of Patrick Barnes. The award highlights the skillful and compassionate care Patrick received from his nurses during his eight-week hospitalization.
The Montana VA Health Care System serves over 47,000 enrolled Veterans across Montana. For instance, veterans are cared for by a staff of nearly 1,200 at 17 sites of care across the state.


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Dubai, UAE, May 02, 2019: Himalayan inspired skincare brand Herbal Essentials blends the wisdom of time-honored beauty rituals with modern day skincare science. Made from the purest spring water which begins its journey 26,000 feet above sea level, and infused with potent active botanicals, each product in the collection has been created to deliver healthy, radiant, more youthful skin.
Herbal Essentials believes in the power of "clean" formulations; powerful natural ingredients without harsh chemicals. Aly Rahimtoola, the brand's founder, grew up in Pakistan, in a background where great emphasis was placed upon natural wellbeing and beauty practices. He realized that traditional South Asian beauty knowledge and rituals – with a focus on simplicity of ingredients without chemicals and preservatives – could hold great benefit to modern skincare. He set out on a mission to rediscover the best of those ingredients and practices, updating them with the latest skincare technology from top French formulators. The result is Herbal Essentials – a modern clean skincare collection comprised of ancient beauty secrets.
Herbal Essentials comprises of four skincare ranges; three benefit-driven ranges of Radiance, Hydration and Purifying, and one collection that has been designed to provide an overall boost to all skin types. The whole collection has been clinically tested, cruelty free, mostly gluten free, and suitable for vegans. Herbal Essentials' central philosophy of clean formulations means a strict blacklist of chemical ingredients – so the collection has over 90% natural origin content, with no mineral oils, silicones, sulphates or parabens. In keeping with Herbal Essentials' strong commitment to preserving the environment, all packaging is recyclable, with bottles composed of glass polymer rather than plastic.
The Heroes:
Day Defence Cream - AED 250
Packed with naturally nourishing ingredients like wheat germ oil and shea butter, this beautifully lightweight cream melts into the skin for an instant boost of hydration that will last all day.
Firming Eye Gel - AED 235
A firming eye gel with aloe vera, clinically shown in trials to provide an instant hydrating effect (based on 28-day use by 20 women, 1 -hour effect).
Illuminating Mask - AED 160
Reveal a brighter, more radiant complexion with the Herbal Essentials Illuminating Mask with Papain & Honey. In clinical trials, 100% women found their skin clearer after 4 weeks, 95% women found their skin smoother and moisturised after 4 weeks and 85% women found their skin brighter, and more uniform after 4 weeks.
Hydra 5 Gel - AED 180
Hydrate blemish prone skin with the lightweight Herbal Essentials Hydra 5 Gel with Aloe Vera & Peppermint Oil. Aloe Vera helps soothe and moisturise, while antibacterial honey helps fight impurities and blemishes and a peppermint oil ingredient works to soothe and cool the skin.
Refreshing Toner - AED 110
A beautifully revitalising toner with cucumber extract and rose water that is clinically proven to provide long lasting skin hydrating after use (based on 28-day use by 20 women).
Herbal Essentials is available at Boots Pharmacy, BinSina Pharmacy, Health First Pharmacy, and Supercare Pharmacy.


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Royal Caribbean announces Royal 5K in St. Maarten
Royal Caribbean announced its first ever "Royal 5K" running event to be held in St. Maarten on December 16, 2010. This race will be open to those cruising aboard Allure of the Seas.
This special race coincides with a cruise itinerary dedicated to running enthusiasts that include vitality-themed activities, such as
- Join fellow runners by exploring the different ports of call with group fun runs
- Meet high profile racing athletes during private meet & greets
- Attend seminars & lectures with high profile athletes
- Receive personal training tips from experts
- Test your speed with a chance to set a world record time at sea
- Recognize everyone's accomplishments with an awards ceremony
- Be entered for a chance to win prizes including a grand prize trip to ESPN Headquarters
The race package costs $50 for adults and $35 for children. Guests may register onboard the ship or in advance at the Royal 5K site. Participating guests will receive a commemorative race t-shirt, as well as exclusive access to a post-race reception on board.
"Royal Caribbean is delighted to offer this very special Royal 5K run in St. Maarten to Allure of the Seas' guests," said Lisa Bauer, senior vice president, Hotel Operations, Royal Caribbean International. "As part of our commitment to provide guests healthier vacation options, we look for opportunities like these to enhance our Vitality programming onboard and drive awareness of a health-conscious lifestyle. Coupled with an unprecedented line-up of new entertainment aboard Allure of the Seas, guests on this sailing will have a wide spectrum of exciting and heart-pumping options for an amazing cruise vacation."


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I want to hear from You!Fill out the contact form at the bottom of the page and I will reply shortly. Please email me to set up an in-person session.
Do you have any questions? Do you want more information about how I can support you in your sacredly human journey? Want to connect with another person on the path? I want to hear from you! Fill out the contact form at the bottom of the page and I will get back to you soon.
If you're looking to sign up for a moon meditation or schedule a personalized intuitive energy session, you can sign up in the scheduler. In-person energy sessions are held in Madison, WI at 6409 Odana Rd #3B .
Additional times may be available including evenings and weekends- please email me for availability or to see if there are any short-notice openings. email@example.com
Online intuitive reiki and energy sessions are held via Zoom in the comfort of your own home.
Moon meditations locations vary so please take note.
Sliding fee scale available~ please inquire.
Get to know me better on Facebook or Instagram or here
Talk to you soon!


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Maybe, thus far they aren't the United Nations of Sri in the sense we look at the UN. But in the future, heaven knows…
The video celebrating the first ten years of the United Nations Principles for Responsible Investment (UnPri), launched exactly today April 27 in 2006, is both refined and effective, IMHO. It stresses two sentences, or words, in particular: you can read the first in the headline, "challenge". And you can listen to the second by watching the video, where a lot of people declare it again and again: "It's not enough". I think it might be quite interesting to take some time to reflect on these two sentences for anyone with a passion for Sri.
The UnPri call on each signatory to share that video. The blog is not a signatory, of course, but I'm so pleased to share it as well.
I'd like to say just one more thing: thanks so much, UnPri (people), for your great, invaluable work along the past ten years. 1,500 signatories, from over 50 countries, representing US$60 trillion: numbers speaking for themselves, really.
Good luck for the next ten years and beyond. Go ahead.


text:
Building control generally operates as a two-stage process, involving the planning stage and the inspection stage.
The first stage (known as the plan stage) involves the applicant submitting a Building Regulation application either in the form of a Building Notice or a Full Plans application. The application will be examined by a Building Control Surveyor to ensure that the submitted information fully complies with the requirements of the Building Regulations.
The second stage (inspection stage) starts when work commences on site. Following notification by the client or their builder, a series of site inspection visits are made to check that the works on site are also carried out in compliance with the Building Regulations.


text:
Title: Pastor
Company: Faith Little Norway Lutheran Parish
Location: Red Wing, Minnesota, United States
Rev. Sylvia A. Jerdee, Pastor at Faith Little Norway Lutheran Parish, has been recognized by Marquis Who's Who Top Executives for dedication, achievements, and leadership in religious services.
A revered figure in the field of religious services, Rev. Jerdee amassed more than 40 years of professional excellence prior to her retirement in 2005. From 1999 to 2005, she held the role of pastor at Faith Little Norway Lutheran Parish, having previously been a pastor at Calvary Lutheran Church in Orr, MN, for four years. Prior to these positions, she served several academic facilities, including Frankfurt American High School in Germany as a teacher and guidance counselor, the Army Education Center with the Federal Ministry of Defense in Germany as a teacher, and Washington High School in Sioux Falls, SD, as a teacher.
To prepare for her celebrated career, Rev. Jerdee pursued an education at Luther College, earning a Bachelor of Arts in 1963. She went on to obtain a Master of Education from Boston University in 1978 and a Master of Divinity from Luther Seminary in 1995. She has been an ordained minister with the Evangelical Lutheran Church in America since 1995.
In recognition of her exceptional contributions to religious services, Rev. Jerdee has been highlighted in several editions of Who's Who in America, Who's Who in the World, and Who's Who of American Women.
For more:
Contact Rev. Jerdee


text:
A collection of short stories by one of the most popular writers of the 1990s. In this collection characterized by pungent and witty epigrams, subtle humor, comic satire, and a fast-paced style that allows no illusion regarding love and life, the reader is allowed a glimpse into the loneliness of modern man hidden behind his distorted mask.
Changbi Books
Happy Ones Do Not Look at the Clock
Written by Eun, Hee-kyung
296 pages
₩ 11,000


text:
Digital Risk recently polled Millennials about the housing market. Among their findings was the fact that nearly two-thirds of the generation who have recently purchased a home, have done so with less than 20 percent down; with 36 percent putting down less than 5 percent!
Here is a graph detailing the results:
This means that more and more American's between the ages of 18 and 34 stopped paying their landlord's mortgage and started building their own family's wealth.
Millennials aren't the only ones taking advantage of lower down payments.
The Federal Reserve Bank of New York found that if the down payment required to purchase a home went from 20 percent to 5 percent, a renter's Willingness To Pay (WTP) increased by 40 percent.
The problem is that 36 percent of Americans still think a 20 percent down payment is always required when buying a home. Many renters may actually be able to enter the housing market sooner than they ever imagined with new programs that have emerged allowing less cash out of pocket.
Bottom Line
If you are one of the many renters now realizing that the home of your dreams is obtainable, contact The Olear Team to guide you through the process.