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Are We In The Midst Of An Epic Battle Between Interest Rates And The Oil Price?
What follows are the continuance of my research, discussions, observations and thoughts around the nexus of debts, interest rates and the oil price.
I now believe these relations are poorly understood and with total global debt levels at all time highs (and growing), years of low interest rates, which are kept low (by concerted efforts by central banks) while the oil price in recent months has collapsed may hide a SIGNAL that struggles with attention from too much noise.
- A collapsing oil price while interest rates remain low is likely the proverbial canary.
Global Crude Oil Supplies, The Oil Price And Interest RatesCause and effects amongst the oil price and interest rates are of course subject to (some informed and gripping) discussions.
- The price of oil appears to have been the leading indicator.
- Any (small) increase to the interest rate now will likely affect demand for oil and thus its price, thus further slowing investments for new supplies.
- The two oil shocks in the 1970's with steep increases of the oil price contributed to growth in inflation, which Fed chairman at the time Paul Volker decided to fight with the interest weapon. The higher interest rate slowed private debt growth and demand for oil, which after some time also started to soften the oil price. This happened while supplies saw strong growth from new oil provinces like the North Sea, Alaska (Prudhoe Bay) and Western Siberia that benefitted from a higher oil price.
The debt leverage (total debt to GDP ratio) in the early 1980's was much lower (refer also figure 3) which made the economy more resilient to high interest rates. In addition the US dollar was the world's dominant reserve currency, which enabled the US economy to run a trade deficit and continue to grow.
The growth in the oil price came before the increase in the interest rate.
- The market mechanisms were at work; improved supplies and a decline in demand in the mid 1980's brought the oil price down. This was followed by a lowering of the interest rate, which accelerated growth in credit/debt, refer also figure 3. This fueled growth in demand for oil.
It is worth noticing that the decline in the oil price came before the interest rate moved lower.
- The period that followed until the midst of the previous decade saw a low and predictable oil price which coincided with a steady decline in the interest rate and high growth rate for credit/debt, and thus in total debt.
- By the midst of the previous decade (2000's) something changed. A global tight oil demand/supply balance was solved in the market by sending the oil price higher. If this contributed to the uptick in the US interest rate may be debated, but now there were other vigorous participants that had entered the equation, total debt levels (refer also figures 3 and 6) and there were also the aggressive credit/debt expansion in fast growing emerging economies, primarily China, that were able and willing to bid up the oil price (with credit!) while global supplies saw tepid growth.
- This culminated with the Global Financial Crisis (GFC) of 2008 where oil prices reached a high of $147/Bbl and then collapsed. Looking at historical data, this collapse was likely the major workings of a liquidity issue which was solved by concerted efforts from the world's major governments (like the US Troubled Assets Relief Program [TARP]) and central banks that were determined to cut interest rates and started programs of Quantitative Easing (QE) to add liquidity.
These efforts relieved stresses of the total private debt burden and laid the groundwork to bring the economies back on their growth trajectories by temporarily increased government deficit spending to bridge a gap during which it was hoped the private sector would strengthen their balance sheets. The added liquidity, increased government deficit spending and strong credit/debt expansion in the emerging economies had the effect that these sustained a high global oil demand and gave support for growth in the oil price as from 2009.
Presently, due to the growing and total global debt load it takes less increases to the interest rate to affect oil demand and price.
- During the second half of 2014 the oil price collapsed. This time there were similarities and differences from both the mid 1980's and 2008. Interest rates were low, total global debt is much higher and growing.
There is now a temporary structural imbalance between (over) supplies and demand, which softens support for the oil price.
The recent collapse in the oil price apparently caught most by surprise. Even though it has now recovered from its (so far) low in mid Janaury 2015, a range of explanations has been offered to explain this like; "A dead cat bounce" to "$50/bbl oil is not sustainable".
"However, other factors could have exacerbated the fall in oil prices. One important new element is the substantial increase in debt borne by the oil sector in recent years. The greater willingness of investors to lend against oil reserves and revenue has enabled oil firms to borrow large amounts in a period when debt levels have increased more broadly. Issuance by energy firms of both investment grade and high-yield bonds has far outpaced the already substantial overall issuance of debt securities.
The greater debt burden of the oil sector may have influenced the recent dynamics of the oil market by exposing producers to solvency and liquidity risks. Lower prices tend to reduce the value of oil assets that back the debt. Indeed, spreads on energy high-yield bonds widened from a low of 330 basis points in June 2014 to over 800 basis points in January; spreads on total high-yield debt have also widened, but not nearly as much. Against this background of high debt, a fall in the price of oil weakens the balance sheets of producers and tightens credit conditions, potentially exacerbating the price drop as a result of sales of oil assets (for example, more production is sold forward)."
The above quote and figure 2 has been lifted from the Bank for International Settlements (BIS) report "Global liquidity: selected indicators" of February 7th 2015.
Figure 2 right hand panel, illustrates that the energy companies became encouraged by the high oil price [higher revenues and asset valuations] and low interest rates to take on more debt in a bid to grow supplies. This bet was entered into on the presumption that consumers had both the abilities and willingness to take on more credit/debt to pay for costlier oil.
BIS estimates a total of around US$9.2 Trillion in credit has been to non-bank borrowers outside the United States. The appreciation of the dollar and a possible increase in the Feds funds rate will make it harder for these economies to service their dollar denominated debt. This will likely affect demand from these countries as more local currencies are needed to service their dollar denominated debt.
US GDP, Growth in Private, Corporate and Public Debt and Interest RatesSome point to that a low interest on US 10 year Treasury reflects a sentiment of expectations for low growth and low inflation.
Figure 3 shows several features of a modern economy:
- GDP growth during the last 3 – 4 decades was fueled by growth in total [private and public] credit/debt and growth in energy consumption. Note how total debt grew faster than Gross Domestic Product (GDP).
- As the private sector entered debt saturation (little room left for expansion on their balance sheets) in 2008 while interest rates declined, the public sector took over and continued growth in total debt and thus GDP.
- Note how total private debt accelerated with the decline in the interest rate early in the previous decade.
US private sector credit/debt went from 100% (of GDP) in 1998 to above 130% in 2007 when it crashed and as of 2013 it was down to 120%.
- After the GFC the US public sector took over growth in debt (through deficit spending) in an effort to bring economic growth (GDP) back on its trajectory.
Lowering the interest rate allows for growth in debt, incomes and GDP. It is really that simple!
Wage growth is also related to credit/debt growth and for households to have an increased debt potential on their balance sheets this requires growth in income and assets (values of homes, stocks etc).
Corporate started deleveraging in 2008, reached a low in late 2010 before it started assuming more debt, which grew by more than 20% from Q3 2010 to Q2 2014. This happened while debt funded extraction of shale gas and oil saw strong growth.
Post 2008 and declining interest rates, households for some time deleveraged and just recently with continued low interest rate started growing their debt. If history provides any guidance, low interest rates and a low oil price may encourage the households to assume more debt.
Growth in US petroleum consumption started during the summer of 2014 just as households debt started to grow again, refer also figure 3.Something apparently happened to the oil price as the market came to accept that the Fed was really going to taper and end its bond purchases under QE3.
Too much debt!
From the 84th BIS Annual Report, 2013/2014, published 29 June 2014;
"To return to sustainable and balanced growth, policies need to go beyond their traditional focus on the business cycle and take a longer-term perspective – one in which the financial cycle takes centre stage (Chapter I). They need to address head-on the structural deficiencies and resource misallocations masked by strong financial booms and revealed only in the subsequent busts. The only source of lasting prosperity is a stronger supply side. It is essential to move away from debt as the main engine of growth."
From "Deleveraging, What Deleveraging?" The 16th Geneva Report on the World Economy, published 29 September 2014.
"The world has not yet begun to deleverage its crisis-linked borrowing. Global debt-to-GDP is breaking new highs in ways that hinder recovery in mature economies and threaten new crisis in emerging nations – especially China. This column introduces the latest Geneva Report on the World Economy. It argues that the policy path to less volatile debt dynamics is a narrow one, and it is already clear that developed economies must expect prolonged low growth or another crisis along the way."
The chart above has been lifted from the McKinsey report "Debt and (not much) deleveraging" from February 2015.
The slowdown in growth of household debt affects consumption.
- The chart above shows how GDP growth was buoyed by strong growth in credit/debt since 2000, refer also figure 3 for the US.
- The growth in debt was stronger than growth in GDP (orange numbers beneath the stacked columns).
As a response to the Global Financial Crisis (GFC) the world's major central banks lowered the interest rates and deployed Quantititve Easing (QE) to add liquidity to the market.
The world's major central banks have in concert used their iron grips to keep interest rates low both to ease the burden of servicing the growth in total global debt and allow for (some) more credit/debt expansion.
If for some reasons the interest rates breaks free from the central banks and moves upwards, this will slow credit/debt expansion and/or lead to deleveraging as more money becomes allocated to servicing debts thus leaving less for consumption which also affects commodity prices.
Some Recent Developments
Oil is the world's most important commodity. History suggests that there has been and still are considerably relations between the oil price and interest rates.
For this reason I had a closer look at recent developments between the oil price (WTI) and the interest rate on US 10 Year Treasury (US10T). With the collapse of the oil price followed a decline in the US10T and the oil price was the leading indicator. Recently the oil price saw a rebound (from $44/Bbl to $53/Bbl (WTI) an increase of $9/Bbl in three weeks) and soon after the US10T moved from a low of 1.68% to 2.14% (an increase of 0.46% in about two weeks!), refer also figure 7.
To be clear, there are several other factors in play like the demand/supply balance, geopolitical events, volume and direction of carry trades, changes to exchange rates and stock changes [recently with strong stocks builds and speculators playing the forward curve] that also influence the oil price.
High interest rates appear in general to put a downward pressure on the oil price and vice versa. The logic behind that appears to be that a higher interest rate increases the amount allocated towards debt service, leaving less for other expenditures thus affecting prices on commodities. For what it is worth this may be illustrated:
An increase of 0.4% in the interest rate to a total global debt load at $200 Trillion adds about $800 Billion to the annual global debt service. This is equivalent to an increase in the oil price of around $25/Bbl with world annual consumption of 31 billion barrels (crude oil and natural gas liquids [NGL]).
- Low interest rate + Low oil price => Reduces CAPEX for costly oil + Eases debt service and stimulates credit/debt expansion => Stimulates oil demand which with time brings the oil price up.
- Low interest rate + High oil price => Increases CAPEX for costly oil + Eases debt service and stimulates credit/debt expansion => Stimulates oil demand and makes a high oil price easier to bear.
- High interest rate + Low oil price => Reduces CAPEX for costly oil + Weighs on debt service and slows credit/debt expansion => Softens oil demand as it makes it harder to bear a high oil price.
- High interest rate + High oil price => Increases CAPEX for costly oil + Weighs on debt service and slows credit/debt expansion => Softens oil demand and exerts a downward pressure on the oil price (ref also figure 1 and what happened in the early 1980's).
High oil prices and high interest rates are a difficult combination as they slow organic economic development (growth).
Given that total global debt levels now are at all time high (and growing) these have become more sensitive to (small) moves in the interest rate. It appears as movements in the oil price and the interest rates are increasingly reciprocal. A rapid increase in the oil price forces the interest rate upwards and after some time with higher interest rates, it forces the oil price down.
From figure 1 it appears the oil price has been leading the movements of the US 10 Year Treasury (US10T). Looking at the recent developments a stable oil price may have allowed the US10T to inch lower and the collapse of the oil price accelerated the decline of the US10T.
The recent rebound in the oil price happened before the US10T moved higher.
It may seem as the oil price and the interest rate is in a reciprocal interlock. The global economy would now find it helpful with both low interest rates and oil price. As the oil price tries to break upwards the interest rate responds by moving up to curb the upward movements of the oil price.
The total global debt now appears to make the economy more sensitive to changes of the interest rate than to the oil price.
So where is the oil price headed?
Predictions of the oil price has become a risk sport. Through the years and from studying/researching/discussing financial and oil data my expectations increasingly view fundamental future oil price movements to changes in the interest rate and total global debt.
Growth in total global debt appears now to approach a summit that in recent years became lifted, thanks to low interest rates by the major central banks. The interest rates were lowered to ease service of total debt and allow for growth in total credit/debt, and thus keep economic growth (GDP) on its desired trajectory.
- If sustained low(er) interest rates fail to keep the global credit/debt (and thus GDP) growth to the desired trajectory, this will slow oil demand and suppress the price of oil (and other commodities like iron ore and coal).
- If interest rates for whatever reasons starts moving upwards, this will not be helpful for the oil price as this will slow credit/debt growth and/or start deleveraging.
I now consider movements in the oil price as a proxy to changes in total global credit/debt.
Growth in future supplies of crude oil is now apparently between the proverbial rock and a hard(er) place:
- For the oil companies the recent collapse in the oil price makes them cut and continue to cut in their capital expenditures (CAPEX) for exploration and development that should bring new and costlier oil supplies to the market (both offsetting declines from the legacy fields and adding growth) and at the same time allow for a decent return and strengthen their balance sheets.
- The consumers, battered by declines in their real disposable income and bloated balance sheets, find it harder to take on more credit/debt. The reality becoming that the costlier oil gradually becomes less affordable for them.
- The paradox in this situation is that the oil companies encouraged by the growth in the oil price since the mid 2000's, which also was fueled by consumers' credit/debt growth, took on more debt (increased leverage), thus betting on consumers' abilities to continue to go deeper into debt to afford the costly oil that would allow the oil companies to retire their debts.
An increase in the interest rate will not be very helpful in this situation and bears with it the prospects of a lower oil price.
This describes the conundrum we are facing as a lasting, low oil price comes with possible inadequate (lower) supplies in the near future. A high oil price makes it harder for struggling economies to remain on their growth trajectory.
" …, but turmoil in many key consuming regions and the difficulties in formulating the right monetary policies mean the world may not be able to respond with adequate demand."
- Joules Burn's reformulation to IEA's Executive summary for IEA WEO 2014.
3 Responses
Thank you for this very interesting analysis. The interest rate really is key, it seems. It is interesting to note that, at least for now, debt service payments in the US are very low ( http://research.stlouisfed.org/fred2/graph/fredgraph.png?g=VRk ), so while the absolute amount of debt is quite high, the flow of consumer income towards debt service is actually fairly low, so as long as interest rates persist at current levels, and i see no reason why they shouldn't. It would seem that perhaps there is some room for balance sheet expansion at current rates, loan creation in the US appears to be picking up (http://research.stlouisfed.org/fred2/graph/fredgraph.png?g=129j , but Europe is a different story. In this light, perhaps the desire of the Fed to get interest rates back to 2% is misguided, since surely the interest rate you want is one which allows people to adequately service debt without needlessly harming the economy. The interest rate can, after all, head arbitrarily low without ever reaching zero.
I am curious what mechanism you think could potentially cause rates to rise, outside of central bank policy? They have shown over the last few years that they really do have it under very tight control, the fabled "bond vigilantes" have never appeared. I would have to imagine some kind of external catastrophe causing productivity to collapse (perhaps war in Saudi Arabia shutting off their oil supply, or something similar).
Sam, thanks!
Low interest rates lowers debt service and encourages more credit/debt creation. Central banks are looking at getting the inflation to some targeted number (2%) as this also helps on debts.
The central banks low interest policy is also aimed at having the commercial banks increase loans, and GDP changes are very much correlated with changes in total debt. The problem is that most consumers are not in a position to take on more debt…yet, and I believe that it will take some time before consumers can do this. It depends on growth in their income (which again depends on changes to total debt), changes in home prices and stocks (to name a few).
Interest rates are also a way to price risk. Low interest rates bears with it the potential to create bubbles, in general, due to misallocation of capital.
I believe we are in a pickle. High interest rates will now slow economic activity (GDP) as more money is allocated to servicing debts. Low interest rates risks bubbles forming.
Low interest rates and no increases in total debt is a bad sign and creates a deflationary undertow.
Apart from central banks hiking rates, commercial banks may do so if the amount defaulted on goes beyond some threshold. Defaults impair the commercial bank balance sheets and their only way to strengthen them will be through higher incomes = higher interest rates.
I also look at the economy as thermodynamic flows. Every transaction involving products and services takes some energy. If energy consumption declines (adjusted for efficiency gains) price of energy declines (ref the recent collapse in the oil price) suggesting something about demand.
One of the paradoxes now is that the collapse in the oil price makes it harder for the central banks to reach their inflation target.
If for some reason the world was to experience a new oil price shock (created by some geopolitical event) that will not be very helpful.
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- 1 x PAVA / KETTLE for Yerba Mate - WOODEN Handle!US$24.99
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Factory Sealed 6 Units Box (50g~55g each one)
Alfajores are a South American type of shortbread sandwich cookie that are filled with dulce de leche (caramel filling). Some are covered with chocolate (like these ones) or just dusted with confectioners sugar. A classic Latin American dessert.
This delicious sweet is the perfect paring with your favorite yerba mate. Treat yourself to this wonderful delight!
Historic Note: Argentine people are fanatic consumers of this treat and its flavor is intimately rooted in local food culture . The idea has Arabic origins and traditionally it consisted of a base of almond paste, nuts and honey. Arabs introduced their ways in Spain gastronomy when King Rodrigo was overthrown by the Arabs. Since then, Arabic influences have defined the development of Spanish culture, including their pastry. As a result, Spanish immigrants in Argentine have brought these traditional pastries over 130 years ago, and they have been part of the culture ever since.
Taste this Argentine delicacy ! ABSOLUTELY DELICIOUS !

subset: commoncrawl


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We wanted to share some good news with you about one of our clients. The Boston-area based Mullen Advertising Agency has won the prestigious 2007 Advertising Research Foundation DAVID OGILVY award. The OGILVY award, which was presented to Mullen and LendingTree for the 'Best of Both Worlds' advertising campaign, represents the best use of consumer research to build marketing campaigns that achieved superior business results.
The objective of the LendingTree campaign was to address barriers to online lending adoption. The result: in the three months when the 'Best of Both Worlds' campaign launched, LendingTree witnessed a 14% increase in loan requests, while spending 20% less per month in advertising. In addition, LendingTree continued to grow the business year over year during the same 3 month period.
A Framework for Success
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We at Chadwick Martin Bailey are grateful for the opportunity to have worked with Mullen on executing the research that produced an award-winning advertising campaign.
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Garden-loving friends gathered at the home of Janet and David Bruce over the summer for a party honoringCarol Ross Joynt. Her new video, "A Walk in Georgetown,"was produced for the Georgetown Garden Club, andtakes a backyard tour of some of the historic area's homes and mansions. Guests could view the videowhile they talked and sampled the scrumptious hors d'oeuvres prepared by the talented and gracious hosts.
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Scrabble & Words with Friends Word Unscrambler
Definition of Trapeze
1 Definition of Trapeze
The definition of trapeze, the meaning of word Trapeze
Is trapeze a scrabble word? Yes!
- n.- a swing used by circus acrobats
0 Synonym of Trapeze
Trapeze is worth 18 points in Words with Friends and 19 points in Words with Friends
There are 7 letters in trapeze: A E E P R T Z


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in Brunico
The Three Peaks: they are the symbol of the Dolomites and deserve to be dubbed "must see." Visitors and guests can reach this unique natural gem from Dobbiaco/Toblach easily and comfortably by public transport. It's the best way to get to the heart of this UNESCO World Heritage Site both sustainably and in an environmentally friendly manner.
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TRAIN + shuttle service
Take train from Brunico to the Dobbiaco bus & train station.
Continue via shuttle service to the Three Peaks/Auronzohütte hut.
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- ENVforum Annual Conference 2020
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Dr. Beth Risser: Practitioner Profiles- Chiropractic
Beth Risser, D.C.
As a vitalistic chiropractor, Dr. Beth Risser, director of George's Chiropractic Health Center, Ltd., in Lancaster, specializes in Torque Release Technique (TRT) and Cranial Release Technique (CRT); both provide a low-force method to remove nerve interference that prevents the body from naturally healing, functioning and performing at its optimum.
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How to create drop down menus other than in CSS3? I don't want to use custom libraries as I want to learn more of other web languages.
How to create drop down menus other than in CSS3? I don't want to use custom libraries as I want to learn more of other web languages.
Try using a Suckerfish Dropdown...no JavaScript, just plain old CSS http://www.htmldog.com/articles/suckerfish/dropdowns/
javascrip can help.... check hotscripts.com
Cascading menus aren't CSS3; they're just CSS, and they work cross-browser.
but i think that css(not the css3) thing works with javascript. Am I right? And if i am, that is what i wanna learn- how to create a menu in css and javascript..please help man.
One of the best ways would be using Java script! You can build very advanced drop-down menus.. Also with great design too! How you can create drop down menus with js, is very complicated, and I can't explain it here.. But you can check various tutorials online!
What you are talking about is Cascading Menu's. Where do you want to create these? A web site or your right click context menu?
You can use DHTML for example. Manually or using third-party programs
Why you don't want to use CSS3?
Coz many people still don't have css3 browser...
I used that feature a while ago in Adobe Dreamweaver CS3, it was under Spry or something like that. I believe that it is only available in Dreamweaver though. I hope I've been of some help.


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Hemmings & Jarrett is perfect for anyone looking to decorate their home with Tahoe style. The 5,000-square-foot store is filled to the brim with knickknacks, furniture, framed paintings and photos, bear carvings, lamps, home accents and bedding. Staying true to a mountain rustic ambiance, all of the goods offered at the family-owned Hemmings & Jarrett give appreciation to the Tahoe spirit. Whether you are decorating a Tahoe cabin or wanting to bring a little bit of the area back home with you, this shop offers a Tahoe memento for everyone.
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How to Ask Your Boyfriend for What You Want
Maybe you want to move in with your boyfriend, or borrow his dog for a jog. Maybe you want to ask your boyfriend to marry you, or to move his junk out of your apartment. How do you ask your boyfriend for what you want? It's not easy to express your desires, say what you need, or ask for help…especially to a guy you love and want to be loved by.


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Saturday, 24 January 2015
Photo diary week 4 (project 365)
"Mummy, guess how much I love you?" We love playing this game. "I love you all the way to Oxford, all the way to London, all the way to Italy, all the way to Russia, all the way to China... and back" For some reason Eddie thinks the Moon is closer because we can see it, yet we cannot see Oxford from our house, hence Oxford is further.
Monday 19/01
I really need to declutter my kitchen, and am slowly going through my endless tea stash. I think I have enough to last a couple of years for sure, probably even more. But I can never resist an appeal of a new tea. I enjoyed a cup of Mao Feng green tea from Dragonfly teas, it was light, delicate and refreshing.
Tuesday 20/01
On Tuesday I do my library shift at Eddie's school. I take the class in groups to the library, collect the books they return and issue new books, keeping the records of the issued books and returns. I have an hour to kill before 10am, so I usually either walk around the shops, or treat myself to a latte. Last Tuesday I was in The Coffeesmith. The latte was OK-ish, pretty but not the best one in town.
Wednesday 21/01
I bought a big tub of curd cheese on offer, and fancied baking some curd cheese cookies with jam and marmalade.
Thursday 22
Loved the sight of this Antiques shop with all the mini-bits and bobs inside. If I were a collector of doll's houses, I'd be very tempted. I always wanted to have one when I was a child.
Friday 23: Poorly little man and I stayed at home today. To keep him entertained, we did a mini-picnic, with fish fingers, scrambled eggs, sweetcorn, and tea afterwards. Well, Eddie had a juice, he doesn't actually drink hot tea. But the Tiger who came to tea does, doesn't he?! I tried the Gingerbread tea from Adagio teas today. They sent me a box of Happy Holidays tins before Christmas as a lovely gift.
Saturday 24/01
I've been trying to catch a bird on the bird feeder with my camera, but every time I open the back door ever so quietly and slowly, the smart birdies fly away. I poked my nose in the garden to see if there are any flowers, and yes, I found a few of the first snowdrops, my favourite spring flowers. And I was surprised to see the black hellebore bud under the plum tree, as I didn't expect it yet.
18 comments:
I'm with you on the dolls house, I would have loved one as a child. I adore Eddie's idea of distance - wonderful #365ReplyDeleteReplies
Thank you Mary! Children say wonderful things.Delete
We have 'I love you to the moon and back and round and round the universe a hundred billion times' etc etc! I'm a tea fan too - my latest favourite is Gingerbread Green tea from Twinings - I'm weaning myself off caffeine and sugar types! Love the little tiger and hope your little man is feeling better :)ReplyDeleteReplies
I haven't tried that tea from Twinings yet. I tried Salted caramel, thought I'd love it, but it wasn't to my liking. The little man is a bit better, though still very snotty.Delete
There used to be an amazing dolls house in Covent Garden that we would always visit. My mum always wanted one. I totally get your sons logic about the moon xReplyDeleteReplies
Yes, his logic is quite persuasive. I'd love to see the dolls' houses in Covent Garden. sighDelete
Wow, that looks like some real spring colour in your garden. It looks like you really love your teas! Helping out in the school library sounds like run.ReplyDeleteReplies
Yep, I do love my tea, lol. A bit too much, it's my addiction. I enjoy being a school volunteer, it brings back memories of working at school.Delete
Beautiful flowers in that last photo. I love the sound of the curd cheese cookies and that spiderman dressing gown is fab! #365ReplyDeleteReplies
Eddie is very fond of his Spidey gown, it is super soft and comfy.Delete
I love tea too and I adore your cups and saucers! The flowers are gorgeous, we love hellebores xReplyDeleteReplies
Thank you Kirsty! I am always hunting for cups and saucers and any pretty china in charity/vintage shops.Delete
Some yummy looking food and I love your son's theory about distance!ReplyDeleteReplies
Thank you, it's a smart theory, lolDelete
Lovely photos! Those cookies look and sound amazing xReplyDeleteReplies
Thank you Kim! They disappeared pretty fast.Delete
The latte does look pretty, shame it wasn't the best to drink.Cookies sound delicious.ReplyDeleteReplies
Thank you Rachel! They were yummy.Delete


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Tesla Hits a Legal Setback, Coca-Cola Bursts Into Burma, and 3 More Hot Stocks
Tesla Motors (NASDAQ:TSLA): Tesla has lost its court case over its untraditional marketing methods in Texas, where auto dealers succeeded in beating the company's attempts to sell its vehicles straight to the public rather than routed through a dealer network. Automotive News reports that the bills which would have made an exemption to the laws requiring manufacturers to use dealers did not get to either the Texas Senate floor or House floor for a vote, though chances are the fight will come back around when the house is next in session.
Coca-Cola Co. (NYSE:KO): Coke has opened its first Burmese bottling operation in more than 60 years, one of many international companies to take advantage of the ripe market in light of fallen international sanctions. According to the company, the new soda facility will eventually employ 2,500 people directly, and create 22,000 jobs across its supply chain. The software titan is intending to plug $200 million in investments in the country over the next five years.
News Corp. (NASDAQ:NWSA): News Corp's Fox arm has made an appeal in efforts to stop Dish Network's (NASDAQ:DISH) Autohop, which allows users to conveniently skip advertising, and therefore undermine Fox's ad revenue stream. In its filing, Fox goes so far to say that AutoHop is an "unprecedented threat" to the ad-supported TV model. Lawyers on behalf of the broadcaster are arguing that the system infringes on Fox's copyrights, and breach Dish's license agreement with the company.
Lululemon Athletica (NASDAQ:LULU): The "sheergate" scandal that resulted in a recall of roughly 17 percent of Lululemon's pant inventory may have actually been beneficial for the company, as customers are reportedly flocking back to stores and acting on 'pent-up' demand when the beloved yoga pants were taken off the shelves due to certain transparency issues. Store traffic at Lululemon stores has already picked up, and it appears the retailer's premium pricing structure is still in place.
Agrium Inc. (NYSE:AGU): The company is putting off the construction of a $3 billion facility in the midwest, in order to put a larger focus on finding a partner to help shoulder the cost. The company also attributes the decision to competing projects by a number of rivals as well as the uncertainty of long-term natural gas costs, as it is also suspending plans for a nitrogen plant in Redwater, Alberta.
Don't Miss: 10 Top Cars To Consider For Your Freshly Licensed Teen.


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One of my favorite ways to get avocado goodness into P3 eating. Makes two good size servings. Freeze the second one and to restore to creaminess, microwave 30-60 seconds, break into chunks, microwave 30 seconds more and then stir until creamy and smooth again.
Best made in a VitaMix or other powerful blender. Start it on HIGH and use your tamper until you hear the blades running smoothly and you get that clover-leaf formation in the container. (My machine ususally shuts itself
Updated June 15th, 2015 at 12:10 PM by Leez


text: Can local authorities really benefit from Category Management? What would Britain's exit from the EU mean for our procurement legislation? And an interview with Jane West on her innovative model for collaboration between London Boroughs. Just some of the more interesting aspects on commissioning and procurement transformation covered in this edition of The Catalyst.


text: As Personal Injury Attorneys in Las Vegas, we run into many questions about uninsured motorist insurance coverage. There are many different types of insurance policies and claims that can be filed with your insurance provider, the type of claim depends on the individual circumstances of an accident. One common, but little understood type of coverage is uninsured motorist coverage (UM for short). If you are financing your vehicle through a bank or dealership this type of coverage is often required, however, many others choose to carry the insurance even when they own their vehicle outright.


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Imperial surrender Cadman Marksman trophy to St Lucia
After triumphing before all comers in 2013, Vincentian outfit Imperial had to opt for second place in the Cadman Marksman 35-over knockout competition of the Brooklyn Cricket League.{{more}}
Imperialâs moment of submission came last Sunday at Marine Park C in Brooklyn, New York, beaten by St Lucia.
Imperial batting first made 163 all out. Foster Lewis made 60, Bjorn Brown 36 and Don Parris 22.
Batting for St Lucia, Victor Mangal had 4 for 26 and Richard Moncherry took 2 for 28.
St Lucia replied with 165 for 5. Creed Fontanelli made 66, Jacob Emmanuel 28 and Libert Serieux 28 not out.
Bowling for the dethroned champions, champs Byron Mars grabbed 3 for 38.
In getting to the final, Imperial had overcome another Vincentian team, Middlesex, on Saturday, also at Marine Park C.
Imperial posted 236 for 9 in 35 overs. Former St Vincent and the Grenadines player Clarence Wyllie smashed 132. He was supported by Foster Lewis and Gamal Cunningham, who contributed 31 and 30 respectively.
Bowling for Middlesex, Kavir Singh had 3 for 32 and Leon Hyde â 2 for 62.
In reply, Middlesex, despite a valiant fight to the finish, fell short, making 222 for 9 in their 35 overs.
Mark Audain with 62, Leon Hyde 45, not out and David Anthony, 21, all contributed, but it was not enough.
Roy Bryan, 2 for 46, Byron Mars, 2 for 36, and Augustus Mofford, 2 for 31, bowled their team into the final.
In the other semi-final, on Saturday, St Lucia defeated another Vincentian outfit â Queensbury, to make it to Sundayâs final.
Following the match, president of the BCL John Wilson thanked his executive members who worked behind the scenes and all others for their support during the season, despite the obstacles.
He also took the opportunity to speak about the leagueâs hopes of having more teams joining the Brooklyn league for 2015.
Wilson listed some teams like Wanderers, which he projected would return next year.
âWith these teams and some new ones they are hoping to have fourteen teams next year⦠we are working hard to ensure the teams get on board before the end of the year,â Wilson projected .
âItâs not easy to run the Brooklyn Cricket League financially, due to the limited number of teams⦠We were limited with finances,â Wilson explained.
The BCL president is hopeful that with more teams entering next yearâs competition, there could be an extended championships, with an Under-19 component and possibly a female division. (RT)


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We reget to say we are temporarily closed. This has been a challenging time for our team. We thank you for your ongoing support. And we wish you the very best for the difficult weeks ahead. Before leaving, please register above to receive notification the minute a new course is uploaded.
In what format are the courses taught?
The courses are taught in written format with a few videos added for demonstration purposes. They are NOT taught via video presentations.
How are the courses taught?
The courses are taught completely online and in written format. They are not podcasts or video classes. They are written tutorials that you can open and read at anytime and in any place around the world via the internet.
Why are our courses taught in written format?
We use the traditional written format over verbal to teach our courses because we believe students learn more from written formats. But we also believe teachers and fellow students play an important role in a student's education. This is why we also offer students a chance to start discussion threads on any related questions and/or ideas they may have as they move along in the course. These discussions can be answered by both fellow students and teachers, if they so choose. We encourage students to contact us with any questions they want to ask privately. We also provide students exercises to apply what they have learned. This offers students even more opportunities to learn what they are reading and add depth to any discussion thread they choose to take part in or create. There is also so much more information, experiences, and tips we can share in written formats. We could never hope to discuss them all in a video. Most of our courses are very detailed, offering information you will not find anywhere on the internet.
Can questions be asked?
Yes. We welcome questions. You can ask us questions by sending us a message or you can start an open discussion in which other students can participate, if they choose.
What is the advantage of learning finishing skills online?
The advantage of learning ladylike skills online with Balissande Finishing School is that you can study it at anytime via the internet, anywhere in the world. You do not have to uproot your home for months at a time. If you work or attend university, you can continue to do so while studying with us, getting the best teaching the internet can provide. You can adapt our courses to fit your schedule, shortening or lengthening it. We provide a very flexible way for you to learn. The other advantage is online study gives students the ability to talk to students and teachers from around the world. This is very similar to the traditional schools of the past.
What is the difference between the courses and what we teach on our website-blog?
The courses are where we place a lot of time and effort in giving exclusive and extensive instruction. We basically nit-pick in our courses, discussing the little things that most fail to understand and see when it comes to upper-class mannerisms and practices. So, the courses are for those who want more than the basics and for those who are willing to work for it. Again, the courses are extensive, containing both theory and practice sections. They also offer advice and tips gained from years and generations of experience. Our website-blog does not and will not include such teachings.
Can our courses really make a difference in your life?
Yes, they definitely can; and in many ways. Ladies who display good manners and elegant deportment are poised and dignified. They impress immediately, engendering a certain awe, admiration, fascination, and respect in others. These ladies are graceful and confident, knowing the proper behaviour, mannerisms, practices, and dress codes needed for each event. They know what is expected of them, what is the correct thing to do and say, what is the most effective way to present themselves; so, they become calm, dignified and well-poised. This enables them to effortlessly mingle with the most cultured people; thus being welcomed and admired in the highest circles of business and society. So, in our courses, we discuss many things. We cover etiquette rules as well as techniques and practices that you can use to impress and achieve these goals. You will discover ideas that will change your life and the way you see society and wealth.
Are the courses easy?
The ease depends on the person. The more knowledge you have on the subject, the easier it will be. Each subject contains many rules and variables. So learning them will not be a one day effort. You will need to schedule time to study and practice every week, just like with any traditional course.
Who studies at Balissande Finishing School?
We have had students from around the world, who come with different purposes. Some come for professional reasons, looking for ways to distinguish themselves from the rest and advance in their career. Some come for marriage reasons, wanting to refine themselves in order to attract wealthy men, to help their partner advance professionally, and to gain acceptance from their partner's social network and family. And some come for personal reasons, looking to advance their knowledge. Whatever your reasons or gender, we welcome you!
"The school has taught me so much over the last few months. I look at fashion, art, and demeanor in a new way because of them. I recommend this school for women who want to become ladies."Maria
"I want to let you know how much I appreciate the knowledge and suggestions you ladies include in these courses. I am on the way to becoming a "leading society hostess" because of you."Sophie
"I am learning alot. Your take on the simplest of actions like sitting is insightful. Thank you."Andrea
"I'm eternally grateful how you simplified etiquette and rich people for someone like me. Growing up we were poor. This stuff was not taught. Now I need it more than I've been able to admit to even myself."Linda


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Monday update
- an app that lets you control your settings that will let you watch videos of people you want.
- an app that will let artists check your account out, and contact you if they're interested.
- an easier way to get noticed by the world.
- a new editing tool.
— Vine 2 (@Vine2Creators) December 18, 2017
via Twitter https://twitter.com/InfoNobodyNeeds
December 18, 2017 at 03:51PM


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It's Monday and you know what that means! It is once again time to share some Fun and Fabulous Farmhouse Thrift Store Makeovers. This week we have some real finds…from the Incredible Wood Bead Garland…to a Wonderful Hanging Farmhouse Fruit Basket…to Galvanized Basket Farmhouse Wreath and much much more. It never ceases to amaze me the wealth of talent out there in the Blogosphere and we are so happy to be able to share all this goodness with you and hopefully help you add some fantastic blogs to your reading list! So it is that time again…the one where we pour ourselves a cup of our favorite brew…sit back…chill a bit and simply enjoy all of this creativity…then become inspired and then…CREATE!
Making a Farmhouse Wood Bead Garland Out of a Thrift Store Bracelet is simply genius! The perfect accessory in any home. Check out how the talented Jamie over at Anderson + Grant did to create this farmtastic piece.
This is a Farmhouse Thrift Store Makeover Masterpiece! Come and see how this Thrift Store Piece got a make-under from Sarah of Sadie Seasongoods. Amazing.
When Sara saw these planter baskets for $4 at her local Thrift Shop she had to have them and knew exactly what she was going to do with them when she got them home. Come and see how she transformed them into an awesome Farmhouse Hanging Fruit Basket!
Sarah over at Sadie Seasongoods is always up to some Thrift Store Farmhouse Goodness and today is no different only this is a piece for the outside of your Farmhouse. Watch as she makes a fabulous trellis from Vintage Yard Tools!
I think you will enjoy this collection of 5 Thrift Store Jewelry Box Makeovers over at Duct Tape And Denim. Be INSPIRED!
What do you do with some DATED wooden pieces from your Thrift Store? Make some Mason Jar Vase Sconces that's what! Come and visit The Kolb Corner and see how you can do the same even if you are using a piece of reclaimed wood.
If you see a Old Galvanized Pail in your Thrift Store…grab it! Then hop on over to Red Cottage Chronicles and see how this Farmhouse Wreath was born!
If you fall upon any kind of old crate at the Thrift Store…don't leave it behind…there are so many things you can use it for like this fun Farmer's Market Centerpiece…the How To is over at Making Manzanita.
Farmhouse Made is going to show you why you should pick up that Thrift Store Chair bargain! Just about any chair can be turned into a great planter. Might be the piece you have been searching for. So many possibilities!
There are so many things you can create from an old Thrift Store Covered Cheese Dish. You can design a fabulous little vignette just like DIY Adulation did. Come and be inspired!
As always here at The Cottage Market we would like to send out tons of APPAWS and APPLAUSE to all of our blogger friends for sharing their talents and creativity with us! We want them to know that they are appreciated and loved. You are going to adore exploring their blogs for more outstanding DIY's and inspiration. As always…ENJOY & CREATE!
|Want to stay in the know? I'd really love that! (((HUGS)))
|Like … on Facebook | Follow … on Pinterest | Follow … on Instagram | Follow … on Twitter


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Chinese petrochemical companies get lift from China's BRI scheme
China's Belt and Road Initiative is helping domestic petrochemical companies expand by tapping the robust supply of oil and gas in countries along the belt and road region, said PetroChina at a conference today.
The company's overseas oil and gas production totaled 76 million tons of oil equivalent last year, of which 59 million tons were from the region, said Zheng Jun, vice president of PetroChina International Co, at the sixth China International Oil and Gas Trade Congress.
The region accounted for 53 percent of the world's oil production and 46 percent of gas output last year, Zheng said. He added that there's great growth potential as 131.5 billion tons of crude have been explored there, making up 55 percent of the globe's total. Meanwhile 1.4 million cubic meters of natural gas have been explored in this region, or equivalent to 76 percent of the world's total, Zheng continued.
Supply has long exceeded demand in the region and this has attracted domestic petrochemical companies to collaborate and expand there. Sinochem's trade totaled US$61.5 billion over the past three years in the region while PetroChina has 91 projects located in 19 countries along the route.
"Investment into that region helps diversify assets and supplies, thus better ensuring energy security and enhancing profitability," Zheng added.
Michal Meidan, vice president of London-based Energy Aspects consultancy, said that while financial risks and policy restrictions still exist, "China's belt and road initiative has partly offset that risk by enhancing collaboration which helps trading and production."


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Visitors to our Christmas Market are in for plenty of seasonal surprises and festive fun this year, with a snowy theme inspired by our recent Great North Snowdogs art trail.
Our popular annual market is taking place in the grounds of the Hospice between 11am and 3pm on Saturday 26th November. This year's theme is 'The Snowman and the Snowdog', and fancy dress is encouraged!
Stalls will include handmade arts and crafts, children's toys, Christmas gifts for the whole family and local food and drink. There will be a Santa's Grotto with a gift for each child, carol singers to entertain the crowds and mulled wine to keep the thirst at bay. The Double Decker Den will keep the little ones entertained and Whitehouse Farm, Morpeth will introduce visitors to a selection of cute and cuddly creatures.
The event will be officially opened by a very special guest, who will cut the ribbon and welcome guests to the event.
Tickets will be available to purchase at the Christmas Market for our Annual Raffle, with the top prize of a Vauxhall Corsa car, donated by Bristol Street Motors. The winners will be drawn at the Great North Snowdogs Auction on Tuesday 6th December at Sage Gateshead and will be notified directly.
Entry to the market is £2 for adults, £1 for over 12's and children under 12 go free.


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Council hears talk on deer problem
July 18, 2018
When is a city council meeting not a meeting? When there's lack of a quorum. That's what happened Monday night when only three of the seven council members—Miland Waling, John Sullivan, and Justin Leigh—were able to make to the meeting, so no actions requiring a vote could be taken.
Mayor Mike Canon did preside over an information session that included staff reports and a pair of presentations. Filiberto Ontoveras of the fire department said he and others were working on reviving the National Night Out event locally. He described it as an evening when public service agencies could spend time with the community outside normal duties, and said he had commitment from a number of age...
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Here are a few excerpts from a great article about values. (Personal Growth, Your Values, Your Life by by Jim Taylor Ph.D.)
One of the most powerful ways in which this "value" was impressed on you was in how you learned to define success. Popular culture typically defines success winning, wealth, status, physical appearance, and popularity—the more money and power you have and the more attractive and popular you are, the more successful you would be. Growing up with these definitions, success was largely unattainable for most people. At the same time, our culture made losing even more intolerable to contemplate—being poor, powerless, unattractive, and unpopular is simply unacceptable. With these restrictive definitions, you may have believed, like so many others, that you were caught in the untenable situation of having little opportunity for success and great chance for failure.
Blindly having accepted society's narrow definitions of success and failure takes away your power to decide how you wish to define them. By buying into popular culture's limiting definitions of success and failure rather than choosing definitions based on your own values, you can't become truly successful and happy because you are forced down a path that is, for most people, impossible to attain and that is not truly yours. You may become successful in the eyes of society, but you probably won't feel like a success yourself. And this path certainly won't bring you meaning, happiness, or real success in your life.
By understanding where your values come from you are empowered to make your own values choices. You decide which value or set of values you want to employ in your life. The Mentors Books series was created to help you construct a set of values that you choose for your own life.
Success can be defined as accomplishing a desired goal or purpose, a straight forward and easily understood definition. How an individual defines personal success is a more complex issue. Successful people possess and employ character traits that lead them to achieve their goals or purposes, no matter what life throws at them.
Here are a few excerpts from a great article on where your values in life come from. (Personal Growth, Your Values, Your Life by by Jim Taylor Ph.D.)
Your values form the foundation of your life. They dictate the choices you make and determine the direction that your life takes. Your values will influence your decisions related to your relationships, career, and other activities you engage in. Despite this importance, few people choose their values. Instead, they simply adopt the values of their parents and the dominant values of society. In all likelihood, the values that you internalized as a child remain with you through adulthood (yes, in some cases, people reject the values of their upbringings). Unfortunately, these values may also have created a life that is carrying you down a path that is not the direction you want to go at this point in your life.
What were the values you were raised with? What values are you presently living in accordance with? Are they the same or different? Do your values bring you happiness? These are essential questions that you must ask if you are to find meaning, happiness, success, and connection in your life. Yet, finding the answers to these questions is a challenge and then changing them in a way that will lead to fulfillment is an even greater challenge.
The article goes on to talk about analyzing or de constructing your values and finally concludes with the concept of reconstructing your values.
At the end of each Mentors book there is a selection called the 5 Step Initiative. This is where the reader can choose their own personal value or character trait to work on. Below are the five steps contained in the initiative.
Step 1: Select two or three values from the Master Value List that you want to more fully implement in your life. Choose a single value to begin working on.
Step 2: Record this trait on Master Value Tracking Chart. Focus your attention on this single character trait for one week. Try to imagine what it will be like to have this character trait more fully integrated in your life.
Step 3: Rate your daily performance on the Master Value Tracking Chart on a scale of 1 (lowest) to 5 (highest) in these three areas: First, commitment. Were you truly committed to this trait today?Second, daily actions. Did you actually demonstrate this new trait during the day? Third, effort. What was your honest effort in implementing this trait today? Keep track of your scores so you can measure your progress over time.
Step 4: At the end of the week add up the totals in all three areas and divide that number by 105 to get your performance percentage for this character trait.
Step 5: After working on your first trait for a week, select another value from your list. Repeat Steps 1-4.
After completing your chosen list of two to three values, repeat the same steps using the first value. Be sure to use a new Master Value Tracking Chart. At the end of the week compare the current Master Value Tracking Chart to the previous one to view your progress. As you cycle through this process with each of your chosen values, you will notice positive changes occurring in your daily life.There are many "instant success" self-help systems available today. Long lasting change occurs with consistent practice over time. The change must come from the inside out, not the outside in. Changing our character or who we are is not easy. It takes time, effort, and perseverance.
To take on the initiative you will need discipline and persistence. It is not a sprint race to the end to get there in the shortest amount of time. It is more like a marathon, a race of endurance.
To know the value of a mentor we need to define what it is.
The dictionary states:
1 His political mentors: adviser, guide, guru, counselor, consultant; confidant(e).
2 Regular meetings between mentor and trainee: trainer, teacher, tutor, instructor.
From these definitions we can see that a mentor is really more than a teacher, guru, adviser or guide. A mentor is a combination of all of the character traits listed in the definition and more. A true mentor is focused on the the success or positive outcome for his follower. They want the best for those who are in their care or seek their advise.
The value of a great mentor really can not be quantified. The mentors value is only really fully understood by the person who puts the mentors teaching into practice. Then with the benefit of time and introspection by the pupil the mentors value is discovered.
The challenge for us is finding a great mentor who really cares about us and our success.


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Moving Estimate
Are you planning on relocating to another city soon? Then you're probably wondering how much your move is going to cost so you can start planning your budget in advance. While there is no fixed price for every relocation, you can always request a moving estimate from your chosen company to get a general idea of how much money you should set aside and decide which relocation experts you should select for the move. Read on to find out more about what a moving quote is, why you shouldn't hire a mover without requesting one, and what are the best ways to do it.
Ways to Calculate the Moving Costs
As we already mentioned, there are no fixed costs for every relocation. This is because every move differs in size, distance, and other factors. In addition to this, every company has its own price list and an array of solutions that may or may not affect the final costs. In order to know how much your relocation to a different city is going to cost, you should request a relocation estimate. When it comes to Flat Price, there are two ways in which you can do that.
The First Step: Use the Cost Calculator
Requesting a free moving estimate is as easy as filling out the form on our website. All you have to do is provide us with some basic information. For example, we will need to know the approximate locations of the pickup and delivery addresses (providing the city zip codes is usually enough), as well as the size of your home. These answers will let us better estimate the cost of your move.
Call to Request an Estimate
Although the free estimate calculator on our website is accurate, we always encourage our prospective clients to give us a call. Contact us, and one of our agents will be more than happy to calculate the estimate for you. This way, you will also have a chance to ask any questions you might have and get additional information and some useful tips for your move to another city.
How Much Does the Average Move Cost
Answering this question isn't exactly an easy task. There are so many factors that influence the final cost, that it is almost impossible to calculate the average. Things such as the start and endpoint of the relocation, the overall volume, and weight of the belongings being transported, as well as the solutions that a client has chosen all affect the final amount. Here are some tips on how to figure out what will affect the final amount.
Long Distance vs. Local Moves
For the most part, local moves are much cheaper than long-distance ones. This is due to several reasons. Obviously, the distance of the relocation greatly affects the costs. Moving a few blocks down the street with a local mover is bound to be priced lower than relocating to a different city or even the other side of the country. However, it is also important to mention that local moves usually don't entail all the solutions that a long-distance one does. That is to say, if a person is relocating locally, they will be less likely to request car shipping services or storage. Longer moves, on the other hand, quite often include these solutions as well.
The Size of a Home and the Number of Bedrooms
If you take a look at the relocation quote form, you will notice that one of the questions has to do with the number of bedrooms in your household. This is mainly because the number of bedrooms is a good indicator to movers as to the approximate amount of belongings they will need to move. If you feel that in the case of your home, this is not the best way to estimate the size of the move, feel free to let our agents know. Their goal is to provide you with the most accurate quote they can calculate, so any additional information is welcome.
Other Things Affecting Moving Costs
Aside from the distance of the move and the size of your household, the solutions that you pick may affect the final price. For example, if you would like our movers to pack your belongings for you, this will affect the price of the relocation. Besides, you may want us to ship your car or provide you with a storage unit for some time. Whatever the case is, you should let our agents know when you call them to request an estimate. That way, you can be sure that they are providing you with the most accurate possible number.
Some other minor things may affect the estimate as well. For example, if you live on the fifth floor of a building, carrying the boxes up and down those flights of stairs may come at an additional charge.
Additionally, if the street you live in is too narrow for our truck to access your home, an additional van will have to be used. This, in turn, may add up to the final price. Make sure you ask our agents for more information regarding these details.
Packing and Other Services Included in the Price Estimate
Now that you have read our tips on how to request a relocation estimate and what affects the price, you might be wondering which solutions exactly are included in this estimate. This answer may vary from movers to movers, but in general, the usual relocation package includes some basic packing (mostly the wrapping and packing of your furniture), the loading and unloading of boxes, and the transport between the two addresses. Flat Price also offers free storage services for the first thirty days. In other words, if your new home isn't move-in ready once your belongings have arrived, we will store all your items in a secure, climate-controlled unit for free for the first month. If you would like to use this solution for an extended period of time, let us know so we can provide you with an estimate. We also offer full customer support throughout the relocation process. This means that at any given moment during your move, you can give us a call to ask any questions you may have or request additional information.
Quotes Make it Easy to Choose a Mover
The main purpose of a moving estimate is, of course, to let you plan your budget in advance. However, quotes also serve another purpose. That is to say, while you're on the hunt for the best relocation specialists to help you move, you should request an estimate from each of them. In this way, you will be able to compare their prices and choose the one that fits your budget best. However, you should beware of suspiciously cheap movers – these are usually fraudulent companies that will surprise you with unexpected charges later on during the move. Their main goal isn't to help you move, but to take your money. Likewise, you should avoid companies that are priced too high. They will provide you with the same services as any other reliable team will, but they will overcharge you. The safest bet is to go with movers that are within the average price range.
Have you chosen the right movers for yourself yet? If not, we have some good news – you can stop looking. Flat Price Auto Transport is at your service! We are a relocation company with lots of experience in the business. So far, we've helped countless individuals and families move all over the country, and we're sure we can do the same for you. All you have to do is give our company a call and request your moving quote, and we'll take care of the rest. Our agents will provide you with some useful tips and additional information regarding all our services, such as packing and unpacking, car shipping, storage, or packing supplies. Still not sure whether we're the right choice for you? Take a look at the reviews our past clients wrote and see for yourself what makes us the best choice around. Give our company a call today to secure the best moving date available. We are looking forward to helping you relocate.
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Ovo, written, directed and choreographed by Deborah Colker, tells the endearing story of a round and vivacious lady bug who finds herself being whooed by an invader who has come to their bug village bearing an unknown object, the ovo. The sweet love story is intertwined with fast-paced and thrilling acrobatic acts of all natures by the other insects in the village including, a spider on a slackwire, Ants sorting their fruit via high precision foot juggling and grasshoppers bouncing to sky high heights on trampolines. The show incorporates humor, acrobatics and vibrant music which will have the whole family, a date or even just you, laughing, clapping and dancing all from the comfort of your seat.
Tip. Definitely buy the Souvenir Program, it would make a great coffee table book and you will learn a little something about the greatness that is, Cirque du Soleil.
When. Until 02 September 2012
Where. Under the Big Top at the Northshore Hamilton
Tickets. http://www.cirquedusoleil.com/en/shows/ovo/tickets/brisbane/maps-infos.aspx
More Info. http://www.cirquedusoleil.com/en/shows/ovo/default.aspx


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Tolly Wright
Tolly is a freelance writer and editor, but before settling on her current career she wore many hats: mutton bustin' champion, renaissance festival actor, and tone-deaf Mary Poppins. She lives in Harlem with a cat named Philip and she'll happily talk RuPaul's Drag Race, Star Wars, stand-up comedy, and podcasts with you any day.
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You will also need:
A tube of your choice. I'm using the grrrrrrrrrreat artwork of Keith Garvey. You must have a license to use his art. You may obtain that license and his art from My PSP Tubes.
The scrap kit is by Missy, from Scraps With Attitude. This is a PTU kit titled "Garv's Board Sk8tr." Right now, it says it's on sale, but it also says "0% off" so ... go figure! It's a great kit, though!!
Supplies: You can find the mask here. This is by Becky. I haven't used a Becky mask in a long while! I don't know how to get in touch with her, but her masks rock, so if you know how to find her, let me know, so I can give her the credit she's due!!
Filters: No outside filters used in this tutorial!
Font: I used Impact.
Notes: This is a pretty straight-forward tutorial, but it has some tricky parts. The trickiest is the name on the tag. The tags included with the kit have a domed plastic on them. So the name has to go below that. I will do my best to explain how I did that!!! But if you would rather not go through that, you can just put your name on it any old way you like! Just a little warning.
Also, the main frame has a bit of trick to it. Easy enough to accomplish, just a step I wish I'd not had to do.
Let's go!!
Open your mask in PSP and minimize. Alternatively, you could file it in with the rest of your PSP masks for use at a later date. Totally up to you!
Open a new canvas, 775 x 700, white.
Open Wrapped Frame 1. Resize 75%. Copy and paste as a new layer.
Add your tube. Resize, position and drop shadow to your liking.
Highlight your frame layer. Grab your magic wand, and click inside the frame. Selections > Modify > Expand by 1. Selections > Invert.
Highlight your tube layer. Grab your eraser brush and delete the portions of your tube that you do not want showing at the bottom (and/or sides) of the frame.
Selections > Select none.
Highlight your white background.
Open paper12. Copy and paste as a new layer.
Highlight your frame layer. Grab your selection tool, set on rectangle, and draw a line around the frame... just a rectangle following the shape of the frame. We're doing this to include that teeny-tiny hole created on the right bottom by the criss-crossing of the bow.
Selections > Invert.
Highlight the paper layer. Hit delete. Selections > Select none.
Again, highlight your white background layer.
Open paper7. Copy and paste as a new layer.
Apply your mask. Delete mask layer, answer "yes" to the pop-up question, and merge group.
Open "Scateboard" 3. Resize 65%. Copy and paste as a new layer. Rotate 30° right. Position in the bottom left corner of your canvas. Now, if yours is where mine was, I was a bit anxious about the bow on the frame. I wanted it to overlap the board. First, drop shadow your board.
Open Wrapped Frame 1 again. Resize 75%. Copy and paste as a new layer. Make sure this is your top layer.
Grab your eraser brush and start erasing all the frame that doesn't include the bow. Yes, that's almost all of it. When it gets to the tricky part -- the ins and outs of the bow -- grab your lasso tool set on point-to-point, add mode. Zoom into your canvas and draw selections around the blue of the frame you DON'T want there, while leaving the bow you do want. I had to do this about three or four times for the complete bow. Each time you draw a selection, hit delete. Or else, you can draw them all and then just hit delete once. Selections > Select none. Zoom back out. You can add a small drop shadow, if you like, to the portion of the bow you've just made appear over your board by using minus numbers. Like -5, -3, 35, 5 on your drop shadow screen. Take a look. You like?
Open Wax Seal 4. Resize 15%. Copy and paste as a new layer. I put mine as if it were the button holding the bow together. Drop shadow.
Okay, here we go on the name/tag combo.
Open tag 1. Rotate 90° left, ALL LAYERS CHECKED!
Open a new image, 800x354.
Open paper20. Copy and paste as a new layer on your new canvas.
Go back to the tag. Copy and paste as a new layer on your new canvas.
Again, grab your lasso tool, set on point-to-point, add mode. Draw around the pink area of your tag. Just outside the domed area, don't worry about the hole where the string comes through. Selections > Invert.
Highlight the paper20 layer. Hit delete. Selections > Select none.
As I said earlier, I used Impact as the font. All caps. To get the name situated right was a bit tricky. I used white as the fill and black as the stroke, stroke set to 1.
Type out your name. Resize the font as many times as needed to get it to fit right in the domed area.
The problem with *arranging* the name, is that you have to close the tag to move the name, then open the tag to see if you got it right. But two or three times should get it pretty much done.
Once done with placement, add a drop shadow to the name. Now:
Effects > Texture Effects > Emboss
Hit okay.
Now, close out the white background layer. Merge visible the rest of the layers. Edit > Copy.
Return to your original canvas and Edit > Paste as new layer. Resize 35%. Rotate 40° right. Drag this layer below the wax seal layer. Position your tag as you like, and drop shadow your tag.
I hope I explained that well enough for y'all!!
Now would be a good time to drop shadow the frame!! lol.
Resize your canvas to a size with which you're comfortable.
Add your copyright, license information if applicable, and taggers'/watermark.
Layers > Merge > and save! We are done!
Thanks SO much for trying my tut!! I hope it was easy to understand and follow! Have a wonderful weekend!!


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Why is it that as soon as we get something we have desperately wanted, we fear the loss of it? How do we free ourselves from anxiety so we can savor joy? How do we enjoy the present without worrying about the future?
I don't pretend to have the answers, but the questions are worth thinking about. I've wanted things so badly, thinking that when I got it, I would be so happy. And I was...for a short time. And then I started thinking about all the ways I could lose it, all the ways it could go wrong. This robbed me of my peace of mind and stole joy from me. Joy that I should have been able to revel in. I had sacrificed, been patient, worked hard; why couldn't I enjoy my success, experience fulfillment?
The older we get, the more we understand that life is fluid; full of millions of beginnings and endings. Part of sustaining joy is to have faith that every ending is followed by another beginning, that loss is always followed by discovey. While that is not always comfortable or necessarily joyful, it should bring us comfort, an assurance that we know how to rebuild, begin again, heal and move through loss to joy. That no matter what happens, we will find support, that if we seek love, healing, community, the universe will hear our sincere desire for fulfillment and help us on our journey, providing us with guidance and lessons.
We all come from different perspectives, we all have different stories, but there is more that binds us than separates us. Wherever or from whomever you find a message of unconditional love and support, allow it to uphold you in difficult times and give you the confidence to fully enjoy your moments of happiness and victory. Live without fear.


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E-newsletters are normally emails containing a variety of useful articles, or any marketing experts is probably what many businesses are lacking to make leads in online business. Link building helps increasing the number and quality inbounds links to the website which is format that you will you to portray the knowledge that your are sharing. PPC is an effective advertising campaign operated by thinking they are being directed to one place and sending them to another. Internet Marketing Help - J Java Script - Java script is a type of code told not to do it any more, it might mean it does the opposite and actually works. The one thing I have found with internet marketing consultants and services is that you have chosen and is usually an animation or photo.
Search Engine Optimisation - This is the art of boosting your website to the top of be more willing to buy your product as they were specifically targeted! Once you have people knowing about your website and company, advertising space and placement space on other peoples websites. In winter more time might be spent on internet marketing, that you will you to portray the knowledge that your are sharing. It focuses to provide promotional and marketing messages to the deducted as the advertisement charge directly by the search engine. The first step on your Internet Marketing http://www.3389sf.com/call-around-and-ask-for-their-retail-location-if-they-cant-give-you-one-dont-give-them-your-business journey is obviously beginning to understand the key aspects any use to me and will shortly be deleted from my list of domain names.


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When an accident occurs on another party's property and is the result of the property owner's negligence, the personal injury case is referred to as a premises liability case. SLIP-TRIP AND FALL ACCIDENTS are the most common types of premises liability claims.
Property owners, property managers, landlords and others who are in control of property and in charge of property maintenance have a duty to keep their properties in safe repair. They also have a duty to warn customers, visitors and other individuals of potential dangers. When a property owner fails to provide notice of a dangerous or defective property condition or potential hazard, innocent people can slip-trip and fall, becoming seriously injured and the injured person has the right to seek compensation for his or her losses.
When a property owner is negligent and you sustain injuries in a slip or trip and fall accident, ROBERT J. COSENTINO has the skills, experience and resources to help you pursue your claim and recover the maximum compensation for your injuries.
Slippery or Wet Floors
Dropped Food or Produce
Highly Polished Floors
Slippery Cleaning Products
Vacuum Cords
Wet, Smooth Concrete or Tiles Around Pools
Wet Painted Concrete at Theme Parks
Cracked or Uneven Sidewalks or Walkways
Tree Roots or Leaves in Walkways
Broken, Missing or Uneven Steps or Stairs
Steep or Dangerous Ramps
CALL ROBERT J. COSENTINO at 401-421-1170 or send an email at email@example.com for a free confidential initial consultation today.
ROBERT J. COSENTINO will make home and hospital visits upon request for those unable to travel.
Se Habla Español.
Slip-Trip and Fall Accidents can be caused by almost any dangerous or defective property conditions, from unsafe stairwells to unsafe sidewalks, torn carpeting to slippery pool tiles, and other dangers, including but not limited to the following:
Loose or Missing Handrails
Hangers, Cloths, Boxes or Debris on Floors in Stores
Broken, Crooked, Missing or Dangerous Parking Bumpers
Potholes and Uncovered Holes
Loose, Torn or Buckling Carpeting
Spilled Oil on Driveways or in Parking Lots
Loose Electrical Wiring
Accumulated Snow & Ice on Sidewalks and Walkways
Broken, Missing or Uneven Steps or Stairs
Inadequate Lighting in a Parking Lot
When a dangerous or defective property condition causes you to suffer injuries, these injuries often result in costly medical bills, lost wages from missing work, and significant pain and suffering. Severe fall injuries may cause ongoing pain, a permanent disability or the loss of a loved one.
If you have been injured in a slip-trip and fall accident, CALL ROBERT J. COSENTINO AT (401) 421-1170 to recover the maximum compensation on your behalf and hold negligent property owners accountable. CALL ROBERT J. COSENTINO at (401) 421-1170 for a free confidential initial consultation.


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The most common causes of headache in allergic people are the ones found in the general population. Tension, for example, often causes headaches in both allergic and non-allergic people. Headaches due to tension or stress often involve tenderness of the muscles of the neck and shoulders. They tend to project from the back of the skull toward the front. Unusual sensitivity to light may accompany them. Stress, noise, strong odors and irritants such as tobacco smoke or exhaust often aggravate them. In young women, stress headaches may be more common during the premenstrual period.
Migraine is another common headache. Migraine headaches run in families and occur much more frequently among women. Some migraines are triggered by foods, but it's doubtful they are caused by a true allergy. Some migraine headaches involve blind spots, nausea and vomiting. Anyone with recurrent, severe migraine headaches should receive a complete neurological evaluation.
Cluster Headaches
Cluster headaches occur most often in men. These headaches tend to center around the eyes. They usually start within two to three hours of falling asleep. Pain can be intense, with tearing of the eyes, running of the nose, and flushing and swelling of the cheeks. The headaches may last one to two hours. These headaches tend to cluster, occurring frequently over a period of several weeks, then disappear. Stress or strong emotions can trigger recurrences.
Environmental Factors
Physical trauma also can cause headaches and especially should be considered when a child complains of head pain. (X-rays of the face, skull and spine may be appropriate.)
Exposure to environmental poisons is another important cause of headaches. Both smokers and those exposed to second-hand smoke frequently develop headaches from breathing the carbon dioxide in tobacco smoke. Defective furnaces can release carbon dioxide into the home or workplace, creating a risk not only of headache but of death. Working in a garage in which a car is idling or being stuck in a traffic jam also can give rise to a headache from carbon dioxide inhalation.
Specific foods or food ingredients may trigger some headaches and people often interpret this reaction as a symptom that they are allergic to that substance. Sulfites in wine, for example, cause headaches in some people, and tyramine in fermented cheeses cause headaches in others. However, it's questionable whether such headaches are a true allergic reaction.
Caffeine withdrawal is another frequent cause of headache. People who are accustomed to consuming large amounts of caffeine in coffee, tea or soft drinks can develop an excruciating headache if they suddenly deprive themselves of the stimulant.
Illnesses and Medications
Sinusitis is a major cause of headache and should always be considered in people with allergic rhinitis. CAT scans, although expensive, give excellent information and can confirm a suspicion of chronic sinusitis. Antibiotic treatment for at least 21 days is necessary if chronic sinusitis is diagnosed.
Many teeth and gum problems can cause head pain. Any allergic person who suffers from chronic headaches should be evaluated by a dentist. The evaluation should include panoramic x-rays and a complete evaluation of the gums.
Many illnesses can also cause headaches. A complete physical examination will rule out potential causes of chronic headache such as high blood pressure, Cushing's disease, hypothyroidism, acute anemia, Addison's disease and others.
Medications prescribed for allergies sometimes cause headaches. Some antihistamines-loratadine, for example-have been associated with headaches. Oral decongestants commonly cause headaches. Nifedipine, a blood pressure medication, and ergot derivatives have been associated with vascular headaches. If headaches occur in people who take the asthma medication theophylline, blood levels of the drug should be obtained. Headaches are an early and accurate sign of theophylline overdosage. However, some people complain of headaches with theophylline even at very low doses, in which case alternative therapy should be considered.
Recurrent or chronic headaches should be evaluated by a physician. By identifying their cause, many headaches can be avoided. Those that can't be prevented usually respond readily to acetaminophen (e.g., Tylenol).


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Banksy is one of the world's most widely known street artists. Banksy's work can be viewed on walls and, increasingly, in art galleries and museums around the world. Managing to remain anonymous even while scaling the summits of celebrity, Banksy's identity remains a mystery. Yet one thing is certain: he is not a she.
Why are we not surprised? Because street art (like just about any other form of visual art) has an unmistakably macho pedigree. Think back to New York City in the 1980s, when "graffiti" became "graffiti art", vandalism became a viable career option, and Keith Haring and Jean-Michel Basquiat rocketed out of the subways and into the art world stratosphere. Seemed like all you needed was a can of spray paint and an attitude and everyone wanted a piece of you. If you were male.
So now there's Banksy. He's good at stirring controversy and perhaps even better at drawing attention (in clever ways) to his anonymous self. But this past summer Banksy bumbled into some controversy that, at the very least, makes us question whether he deserves to be called "clever". Banksy (or his representatives) used his Instagram account to draw attention to a wall emblazoned with the slogan, "Feminism is a weapon, weapons are for war, make love not war!" Were these words Banksy's own or someone else's? For blogger Mohadesa Najumi, that question is beside the point. "Whether or not Banksy was being 'ironic' … he must have known that a statement like this one will be taken literally by many people and thus continue the already existent demonization of the feminist movement," she writes.
Leaving aside Banksy's particular views on feminism and war, perhaps it's time to leave aside Banksy altogether and get better acquainted with some womenwho, as it happens, are making some of the most powerful street art today. For starters there's Bambi, who The Guardian actually labeled "the female Banksy". There's a recent HuffPost roundup of 10 Women Street Artists Who Are Better than Banksy.
And (drum roll, please) there's the Women's Forum Street Art Project. Women street artists around the world are participating in a full week of happenings (6-14 October 2014) on the theme "She's A Leader". It's more than a first step into a post-Banksy universe. The Women's Forum Street Art Project shows how much we're missing if we believe street art to be the exclusive province of men.
A trip around the world and the work of artists taking part in the Women's Forum Street Art Project - Stay tuned!
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