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#PreMarket Primer: Friday, May 9: Separatist Vote Set To Go Ahead In Ukraine
Pro-Russian separatists occupying cities across Ukraine are moving forward with a secession vote scheduled for Sunday despite Russian President Vladimir Putin's call for the vote to be postponed on Wednesday.
Putin's effort to de-escalate the growing tension in Ukraine was received skeptically by Western officials and Kiev claimed that Putin was simply trying to appear less aggressive to international leaders.
Kiev has accused Russia of sending in agents who are leading the separatists groups in an effort to cause a disruption and undermine the nation's pro-Western government. Now, with a controversial referendum on secession coming up this weekend, the country may be on the brink of a civil war.
In other news around the markets:
- On Thursday, the European Central Bank didn't pull any punches and maintained its current monetary policy. However, bank President Mario Draghi surprised investors by saying the bank was "comfortable with acting next time." His remarks indicated, in an uncharacteristically blunt way, that the bank plans to ease further in June.
- The Wall Street Journal's May survey of 48 economists indicated that the US economy is growing quickly this quarter, a marked improvement from the nation's first quarter stumble. The survey showed that the consensus forecast for annualized real GDP growth was 3.3 percent, with some economists expecting growth of 4 percent or higher.
- Omnicom Group Inc and Publicis Groupe SA have called off their $35 billion merger, saying that there were too many obstacles to overcome in order to create a cohesive business. Among other things, the two faced complex tax issues as well as divergent corporate cultures.
- Reuters reported that Apple may pay $3.2 billion to acquire Beats Electronics. Apple is reportedly looking to launch a subscription based music service, which Beats launched earlier this year. The service provided by Beats has been well received as it boasts a human music curation system rather than the computer algorithms that control the collections for most of its rivals.
Asian markets were mixed; the Shanghai composite was down 0.21 percent and the Shenzhen composite lost 0.58 percent. However, the Japanese NIKKEI rose 0.25 percent, the Hang Seng index was up 0.02 percent and the South Korean KOSPI gained 0.31 percent.
European Markets
European markets were down across the board; the UK's FTSE lost 0.27 percent, the eurozone's STOXX 600 was down 0.30 percent, the German DAX lost 0.37 percent and Italy's MIB was down 0.60 percent.
Energy futures were higher; Brent futures gained 0.26 percent and WTI futures were up 0.32 percent. Gold and silver were up by 0.19 percent and 0.17 percent respectively and industrial metals also rose. Copper was up 0.26 percent, zinc gained 0.37 percent and tin was up 0.52 percent.
Currency markets were quiet on Friday; the euro lost 0.05 percent against the dollar but gained 0.01 percent against both the pound and the yen. The dollar rose 0.04 percent against the yen and gained 0.09 percent against the franc.
Notable earnings released on Thursday included:
- Magna International (NYSE: MGA) reported first quarter EPS of $1.99, compared to last year's EPS of $1.59 on revenue of $8.36 billion.
- DISH Network Corporation (NASDAQ: DISH) reported first quarter EPS of $0.38, compared to last year's EPS of $0.47 on revenue of $3.56 billion.
- Apache Corporation (NYSE: APA) reported first quarter EPS of $1.78, compared to last year's EPS of $2.02 on revenue of $4.08 billion.
- Global Partners LP (NYSE: GLP) reported first quarter EPS of $2.03, compared to last year's EPS of $0.51 on revenue of 5.59 billion.
Stocks moving in the Premarket included:
- Bank of America (NYSE: BAC) was up 0.47 percent in premarket trade after falling 2.10 percent over the past week.
- Exxon Mobil (NYSE: XOM) was down 0.31 percent in premarket trade after losing 0.77 percent on Thursday.
Notable earnings releases expected on Friday include:
- Alcatel Lucent (NYSE: ALU) is expected to report a first quarter loss of $0.07 on revenue of $4.30 billion, compared to last year's loss of $0.19 on revenue of $4.27 billion.
- Ralph Lauren (NYSE: RL) is expected to report fourth quarter EPS of $1.63 on revenue of $1.83 billion, compared to last year's EPS of $1.41 on revenue of $1.64 billion.
- Bloomin' Brands (NASDAQ: BLMN) is expected to report first quarter EPS of $0.47 on revenue of $1.16 billion, compared to last year's EPS of $0.50 on revenue of $1.09 billion.
- Petroleo Brasileiro S.A.- Petrobras (NYSE: PBR) is expected to report first quarter EPS of $0.40 on revenue of $36.63 billion, compared to last year's EPS of $0.60 on revenue of 36.34 billion.
Friday's economic calendar will be quiet after a busy week. Notable releases will include British manufacturing production, British industrial production, the German trade balance and the British trade balance.
For a recap of Thursday's market action, click here.
Tune into Benzinga's #PreMarket Prep show with Dennis Dick and Joel Elconin here.
Posted-In: Earnings News Eurozone Futures Commodities Previews Forex Events Best of Benzinga
© 2018 Benzinga.com. Benzinga does not provide investment advice. All rights reserved.


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By Sue Benson, in Insight
By Saj Manzoor, in Industry & Issues
By Neil Godber, in Inspiration
The IPA is advising anyone thinking of attending the 2015 SXSW Interactive Festival to sign up before 21st November, before registration fees increase. The annual SXSW Interactive conference in Austin, Texas is the pre-eminent industry festival in the world and the Mecca for those wanting to witness cutting edge digital innovation.
Register here.
The IPA will be attending the Festival, where it will once again act as an informal host to fellow delegates from the industry, providing a support network and timely advice and information regarding the event. If you are planning on attending and would like to keep up to speed with the IPA's activities, contact firstname.lastname@example.com
The IPA also hosts a popular SXSWi microsite to capture the news and views of some of the world's brightest minds in technology, featuring blogs from member agencies attending the event. If you are from a UK agency and would like to contribute to the blog, contact email@example.com
Says Nigel Gwilliam: "From wearable tech, to sensory and multimodal UX, to Snowden and the ethics of privacy; the SXSW Interactive Festival really does provide unparalleled insights into the latest technologies and digital trends and crucially how they impact on our industry. The IPA is therefore very much looking forward to attending the 2015 Festival – and to seeing many of you out there, so don't forget to register!"
London Office
44 Belgrave Square
Tel: 020 7235 7020
Edinburgh Office
The Bourse
47 Timber Bush
Tel: 0131 555 7588

subset: commoncrawl


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Course Highlights
$25 per month or $120 per year
Course Description
This course is no ordinary geography course. We'll explore the wonders of the natural world and learn about the Bahamian, Caribbean and global environments. Best of all, join me as I take you on virtual trips to interesting Bahamian coastal, terrestrial and marine ecosystems. It promises to be an exciting learning experience!
All lessons are based on the Bahamas Ministry of Education BGCSE Geography curriculum. By the end of this course, you would have covered the following topics;
- Geographical Skills
- Geology
- Geomorphology
- Climate
- The Biota
- The Human Environment
- Population
- Settlement
- Economics & Industry
- Environmental Systems
Suggested reference book;
Click here to download suggested and required geography texts
Tansey Louis
B.Sc Environmental Biology
University of The West Indies


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Create an Account - Increase your productivity, customize your experience, and engage in information you care about.
Situated along Highway 225E and resting between Pasadena and La Porte, our community contributes greatly to the success of the Houston area. We invite you to visit Deer Park, the 'Birthplace of Texas.'


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Tsumatic.com – Be found on TSU.co and grow your network
Tsumatic.com – Be found on TSU.co and grow your network
Tsu.co is one of the newest social media website where you can share pictures, videos, music, status updates and get paid for the content that you share. Simplest way of explaining TSU would be : It's a social media platform which shares %90 of ads revenue with its users whom generated the content. It's fairly a new website and it gets tons of attention from early adopters and its growing rapidly day by day.
Some of the users already started to create income for their content. Some of the new users are still trying to figure their way out to reach the top part of the network and willing to see some income in their end as well. Tsu.co already ranks below 4000 all over the united states and its rank getting better daily. Most of the new users finding themselves spending several hours per day to create content or try to find out more about the network by watching to see how it exactly works.
Most important part for success in TSU.co is to have as many as children possible and grow your network to the widest. Phrase "children" refers to people whom got invited by you to the platform. Since its a very new website and only way to join is to to be invited that means everybody is pretty much someone's children one way or other. As the website grows its getting harder for users to find someone who has not joined to the platform yet. And the invitations are getting more and more important(to the sender) since there are so many people out there who has invitation and they would want any new member to join the network under their shortcode(invitation)
Most people whom uses TSU.co is trying to advertise their links inside of the platform and it mainly does not mean anything. Only person who can see the content of the website is the users and if you are already a user that means you are already a child of someone. So the link that you are seeing on the comments or status updates are not helping anyone at all.
Today I would love to introduce you to a new platform where people can advertise their shortcodes for free of charge. Tsumatic.com is a brand new fresh website where users can sign up with their shortcode and advertise their profile to the people who are looking to get invitation. It's prety simple and you are not being asked so many questions to fill out. New users are going to be showing up starting from the first picture of the website and as the new members come they will be pushed down a little bit moment by moment. But that does not mean that you can not rank high in the first page of search results again, Tsumatic thought about the fairest way to rank profiles in its system and its based on users effort. everyone has same exact chance to be shown in the first column first picture of the website daily tens of times. As long as you are willing to rank high on the fist page its under your decision and power so you can make it happen. Also Tsumatic.com will not be using rating or liking system to rank users. Ranking or liking systems are fairly easy to be manipulated by people who does not want to see you in the first page. If they are competitor they might try every way to drop down your rank, but in Tsumatic.com you are the only one who is in charge of your own rankings.
Tsumatic is going to be your place where you can advertise your invitation code as long as Tsu.co is alive, up and running. And there will be always someone out there looking for an invitation for TSU, and if you try to stay in the search results of tsumatic your chances are high to be found with your invitation code as a parent. And once again as much as you are willing to put effort on your Tsumatic profile chances are you are definitely going to be found by many users through the time and you will be growing your network with the people whom used your code to join TSU.co.
If you already have a TSU.co account now please go to Tsumatic.com and sign up for your life time free advertisement platform for your Tsu invitation. And if you havent joined tsu.co yet feel free to use my invitation code from here >>> www.tsu.co/authicle and afterwards please dont forget to join TSUmatic.com and start advertising your own code. Tsumatic.com will not remain as a invitation code list or directory , as the time passes there will be some cool features to make life easier for TSU.co users. And you will be able to find users in ease. If you also would love to follow me on TSU.co here is my shortcode www.tsu.co/authicle , feel free to follow me to find out about the news and updates regarding to Tsumatic.com.
Thank you so much, for reading, see you all there on Tsumatic.com


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Norman praises team for 1,000 wins
HOT SPRINGS, Ark. - Trainer Cole Norman reached a personal milestone of 1,000 career victories Saturday, and this week, will likely break the record for trainer wins in a season at Oaklawn Park.
Norman, 34, enters the week six wins from breaking trainer David Vance's record of 50 set in 1974.
"It would be a nice accomplishment to look back on," said Norman, who has six horses in Wednesday. "The whole team wants to do it."
Norman credits the team, which includes his wife, Tamara, his owners, staff, and horses, for reaching 1,000 wins. He won four races on Saturday's card, and the milestone came in the ninth race with Mystic Night.
"It was a lot of work," Norman said. "I remember waiting on the first win, then the first 100. It was a fun ride. I just wish Pa was here to see it."
Norman began training in 1995 following the death of his father, trainer Gene Norman. He started with a five-horse string, and now has 140 horses in training, with 40 stabled at Oaklawn. Last year, Norman's strongest, he ranked as the third winningest trainer in North America.
Vance had a 40-horse stable when he set the record. He won five races the last day of the meet to hit 50.
Norman holds the record for trainer wins in a season at Louisiana Downs, with 125.
Options for Beau's Town
The Norman-trained Beau's Town, who set a stakes record when he won the $150,000 Pelleteri at Fair Grounds Sunday, was to arrive back at his Oaklawn base Monday, said Dave Hulkewicz, who co-owns Beau's Town with Bobby Beck.
The horse's next start could come in either the Grade 3, $150,000 Count Fleet Handicap at six furlongs here April 10, or the Grade 2, $250,000 Commonwealth Breeders' Cup at seven furlongs at Keeneland April 13.
"We're going to nominate to both races," Hulkewicz said. "In the sprint division, there's not a dominant horse right now, and I think among the top 10 sprinters in the country, he fits into the mix."
Beau's Town has won 8 of 11 career starts, and is undefeated at Oaklawn, where he won the $50,000 King Cotton Feb. 1 in his first start since August.
Mandy's Gold stays put
No decision has been made on the next start for Mandy's Gold, who finished a troubled third as the 2-5 favorite in the Grade 3, $200,000 Oaklawn Breeders' Cup Saturday.
Trainer Mike Gorham said Mandy's Gold will train here for a little while before he decides whether to leave her in town for the Grade 1, $500,000 Apple Blossom Handicap on April 5.
"We're going to kick it around for a few days and see," Gorham said. "She came out of the race fine.
"She tried to jump a shadow at the three-eighths pole, which kind of knocked her off stride and she had a little while to recover. After the fact, instead of being on the lead she ended up dropping back, getting pinned down on the rail, and didn't have a whole lot of room.
"I think that definitely cost her the race, and the jock thinks so, too."
Mandy's Gold, who was ridden by Rene Douglas, was beaten 1 1/4 lengths by winner Bien Nicole.
Cojet a sentimental favorite
Cojet, winner of the $75,000 Colonel Power at Fair Grounds in January, will be a sentimental favorite Sunday when he starts in the $50,000 Hot Springs at Oaklawn. His owner and breeder, Dan Jones, died last week and was buried Monday.
Among the stakes winners Jones raced were Overpeer, who won the Hot Springs in 1991, and Potentiality, who won the Hot Springs in 1992.
"He was a dear friend and a wonderful man to train for," said Bob Holthus, who trained for Jones for about 15 years and manages Cojet.
Jones, 58, is survived by his wife, Lorene, and two children, Rachelle and Christopher. Holthus said the family plans to remain in racing. Jones lived in Little Rock.
* A field of 12 fillies and mares were entered in Wednesday's ninth, a $35,000 optional claiming race. There is not a clear-cut favorite among them.
* Great Notion worked five furlongs in 1:01 Sunday in preparation for the $125,000 Rebel for 3-year-olds at Oaklawn Saturday.


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O'Bar Manager
Mark is a native of Jefferson City, MO and moved to St. Louis in 2013. His passion for food began at a very young age while cooking with his grandfather and mother. Mark has over 15 years of experience in the food service industry. He has a large family with 6 siblings, four sisters and two brothers, and many nieces and nephews. He is a father of four to Kyle, Briana, Makiya and Treyvon. Mark spends his spare time with family, watching any sports possible and traveling.


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University of Saskatchewan looks to tackle food waste with food dehydrator
Officials at the University of Saskatchewan (U of S) are hoping a food dehydrator will turn roughly 2,500 pounds of weekly food waste into a nutrient rich material that can be added to its compost mixture.
The university has installed the new machine to serve its Marquis Hall dining facility, which serves roughly 2,000 meals daily. The machine heats and chews up everything from chicken bones to napkins, to produce a brown soil-like material that will enrich the university's compost mixtures.
"This product is so rich in nitrogen and phosphorus and calcium," U of S grounds manager Gift Marufu said in an interview on Thursday.
READ MORE: 3.4M electronics recycled in Saskatchewan over 10 years
Marufu spearheaded the project and said the U of S is the first Canadian university to use the equipment. The machine cannot work in the cold, however at the U of S it lies in a garage beside a disposal bin, where culinary services executive chef James McFarland said most of the food waste used to end up.
"Now all of our food waste will be composted and in turn put back in the university grounds," McFarland said.
READ MORE: Saskatoon-based Ecobain Gardens improves crops by switching to LED lights
Marufu said the goal is to eventually have similar machines serving other dining facilities on campus. Naomi Mihilewicz with the Saskatchewan Waste Reduction Council said the effort could spread even off of campus.
"Large institutions often sort of set the standard for smaller institutions or other businesses and they can kind of lead the way in progressive technologies," Mihilewicz said.
"When institutions that have funding to do this ad try these techniques out, they'll often work out a lot of the kinks in doing something like this."
The equipment was installed at the U of S in late February. Marufu said the project will be reviewed in six months.
© 2017 Global News, a division of Corus Entertainment Inc.


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£ 309.99
The gorgeous Eleanor Wooden Bedstead has a dignified presence that will enhance the look and feel of any bedroom. The solid wood build, wood detailing and choice of two finishes make this bed a handsome choice that will never go out of style.
£ 399.99
£ 289.99
£ 324.59


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Back from CrossFit Regionals/Baby Pony Announcement!
She made it! We're going to California!
|So proud! Years of hard work went into this!
(SoCal this time, sorry L. Williams!)
My husband's father passed away over the weekend, so things are crazy right now, but I'll be back with more Connor soon. Thanks for all the comments and fly bonnet inspiration over the weekend, I read them all and will be making a purchase soon!
Also, this happened over the weekend:
|It's a BOY!!! Meet Castleberry's Ffafr ap Culhwch (Double 'f' theme from the dam's line, Ffafr is pronounced 'favor' and 'ap Culhwch' means 'son of Culhwch')
|This is a very special and very VERY nice purebred Welsh Cob. Gwynfaes Culhwch x Castleberrys Fflying Duchess
So excited to meet this little guy and to follow him as he grows up!


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The rainy season in Haiti is about to begin. The Unitarian Church of Sharon plans to raise money to buy two ShelterBoxes for survisors of the earthquake in Haiti.
From 1 to 4 p.m. on Sunday, April 11, children, youth, and adults will erect a "tent city" on the front lawn of the church, at 4 North Main Street in Sharon center. Each tent on the church lawn will represent $200 in pledges gathered by participants from Sharon, Foxboro, Mansfield, and Norwood. The group hopes to reach out to all people in Sharon and surrounding towns to raise at least $2000 for ShelterBox. The event will happen rain or shine.
All are encouraged to visit, donate toward the raising of a waterproof tent in the tent city, and contribute to the ShelterBox cause. Cash or checks made out to "ShelterBox USA" can also be dropped off at the "drive-thru" donation area in the traffic circle at the front of the church. All contributions are tax deductible.
ShelterBox responds to natural and manmade disasters by delivering boxes of aid to those who are most in need. Each box supplies an extended family of up to 10 people with a tent and essential equipment to use while they are displaced or homeless people.
For more information visit www.shelterboxusa.org/
Friday, March 26, 2010
Haiti Shelterbox project at Sharon UU: Sunday afternoon April 11
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The Credit Secrets Bible
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Media Blitz, by Joe Nowlan
Everyone likes to clobber the media. But someone in Boston is going around killing them... an obnoxious radio talk host … a too handsome TV anchor … andanother talk show host all die violently. Strolling innocently into this murderous confusion is Ben Hudson, a photographer for a weekly newspaper...hardly anyone's idea of a media celebrity. Hudson discovers two of the bloodied corpses of what the papers and TV call "The Boston Media Blitz." He also becomes involved with TV newswoman Charlotte Kimball--beautiful, witty and set on uncovering the murderer.
Perfect $8.00


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The Thirteen Classes of the Turning Wheel
There is a caste system based on Karma in the pages of this book. All spiritual structures begin to line up within the story of these souls. From each place in the caste structure, we live a different life fraught with the lessons of the past and the connection with the future. All of our destinies are entwined, dependent and sought after by the other. Even the greatest enemy is bound to our life chain as strongly as our mate of the soul. We need each other.
As those caught in the whirling tides of Atlantis' vision, we seek to restore the knowledge of before. We embolden even our fiercest enemies to join us in the hunt to reclaim our magickal birthright. No human can remember their place among the stars except for those who have been born elsewhere and return. These children come into this world in disastrous ways to maintain the connection to the Otherworld. Often they die in the process to maintain their spiritual integrity. Let us honor them now with the memories of this life and of the lives that touched it. Let us also remember that human history is not building it's progress forward but desperately trying to recreate the lost cities and planes of old. It is how Kali created us, to be each other's infinity.
- Watcher – Records, watches events, offers guidance. Usually sits on a council and judges others when the universe is out of balance. Works closely with deities who are in charge with maintaining order. They often have the terrible job off passing on news of death, destruction and sadness to others. In truth, they hate their existence but understand the need for consistency in the universe. It all comes down to timing for a Watcher. They are usually obsessed with selling false ideas of time to others so that Time and Lord Shiva will be their sole domain. Sometimes a Watcher gets too carried away with their concept of the universe and own self worth and Goddess Kali sets them straight. Straight into oblivion.
- Warrior – Fights battles for establish sides like good or evil. Never passes to one side easily. Can be swayed by acts of deception, personal challenges and displays of dominance from a superior warrior. Can be any size, shape or design. They follow politicians, nobles, Justice Bringers, Destroyers and sometimes even Oracles. They do not like to blindly accept the orders of an Oracle due to the extreme emotional energy and lack of control over logic and reason. The Oracles can be physically dominated into submission but if they are pushed hard enough, a Seer can physically overpower any foe. This earns the loyalty of the warrior clan.
- Healer – Heals and mentors other in medicine, alchemy and magick. Always a teacher and usually the one on the wrong side of a sharp stick. While they can be rather tedious to understand, they usually speak for the good of the clans. Healers tend to stick with other healers as only they can truly understand their plight as "weak yet strong." Some Healers and Oracles make good friends due to the connection of the third eyes to the forces of the universe but often the Oracle is too spacy and airheaded for the Healer to put up with for very long.
- Thief – Steals what they can through trickery and visual deceit. Very theatrical and entertaining even when you are being spiritually pick-pocketed out of your most passionate talent. Can take on any appearance they desire. Usually offer apprenticeships to anyone who is willing to take the fall for the trainer. They tend to build up a lot of negative karma, but instead of taking the brunt of that karma for the lesson, they pass it on to their student. Learns by being deceived and repeating this action to others. Without this constant buildup of negative karma and release to those who are unwittingly putting themselves in the face of danger, the universe would instantly halt and Chaos would reign. Thieves are a necessary force regardless of what the Justice Bringers tell you.
- Mercenary – Like demons, angels and so many more, these are dangerous. They never truly choose an alignment and can be terribly unpredictable. All of the mercenaries are annoyingly clever and use reason and logic like the sharpest blade imagined. Drawn, oddly enough to the Justice Bringer. They mourn the falling of these souls harder than anyone and feel that it justifies their actions. They can be heroes at the darkest of times and villains in times of merriment and rest. While they can form close friendships with others, they tend to hang on for themselves and their own best interests. It's nothing personal. A Mercenary can choose to be many things, including a hero, a villain or they can evolve to become the Justice Bringer.
- Noble – Usually soulless. There's a lot of soulless out there. People who are more like cannon fodder than flesh and bone. The obscenities that leak from their bodies are as offensive as the stench of old decomposition in humid lands. These people tend to be the ones to outline what is good and what is evil when neither one can truly be "right." They usually ally with the thief, the politician and the deceiver. They are the bane of existence to all justice-bringers and watchers as they play within the rules yet escape truth through their own divine methods.
- Villain – Always evil and doing evil deeds. Yawn. They're kind of boring when they are the only one in the story. Pretty predictable and often monologues their plans during song and dance. If you listen closely enough, you get all the answers you need to overthrow them within five minutes. The universe and all in it truly despise them and the heros because of their over-written and under explained attempts at destroying one another. Just take their word for it, they're a villain!
- Hero – Another really predictable and annoying sort of class of people. These folks often end up dead or with a terribly boring progression to their story. They seek to marry, have a load of children and die quietly in their old age. Because the universe hates things to be boring, they are often killed off in more inspiring manners to help the rest of the universe carry on without falling asleep. They are truly the sort of folk you read about in faerie tales. Always the good guy and never deceptive. Just take their word for it, they're a hero!
- Politician – A constant stream of rules, double-talk and illegal use of Oracles are the pulse of this breed. Their acts against Seers is unspeakable as they aim to twist the words of the Gods and the will of individuals for their own selfish needs. Politicians tend to travel in large, fat herds where they can attempt to cling to their fractured view of security by intimidating predators with their numbers.
- Justice Bringer – Probably the most annoying class in the entire universal structure. These folks bring justice at any cost – even the cost of their own life – even if you fall in love with their characters and see all the good that their existence will bring – NOPE, THESE GUYS BRING JUSTICE! Ahh, sweet justice. Shall we talk about that here? No? Let's move on then. Justice Bringer recognizes the Deceiver as soon as he opens his mouth to lie. He will not destroy the Deceiver but he will keep an open eye and ear to all that he says. There is sometimes a grain of truth to those terrible lies and the Justice Bringer seeks truth out even if it means he must wade in lies.
- Deceiver – The Deceiver is more than just a really skilled bookkeeper. He's the one in charge of the budget, the hiring and firing and also those annoying lunches scheduled with the part of the universe that believes squirrels are intelligent life. Often really pessimistic, kind of like that annoying jackass the Justice Bringer, he's just telling you the truth – or his version of it. At all costs, the Deceiver maintains his life even if it means that the universe will become unbalanced. His control over his own will is unparalleled to almost anyone except the Justice Bringer. Immediately upon seeing each other, both will recognize the other for who they are and engage in endless debate. Such is the way of things.
- Destroyer – One of the most misunderstood of all of the classes. They do not just take by destroying all known things in existence. They destroy by giving life to those who will alter courses and give key points of information. They favor the Seer because of their grasp on reality and firm hold on their emotions. Destroyers do not show emotion because they view if as a weakness Unlike everyone else, they tend to have emotions that rival even the Oracle at times. They don't believe that they do and there's no telling them otherwise. They will forever seek the assistance of the last class to keep their stories twisted in a rather loose knot.
- Oracle – The most rare class of folk that the universe boasts. They were once great in number until the fall of their world, Atlantis. Growing to prideful and upsetting the working of the established universe tore apart the "universe within a universe" that was the many-portaled plane of Atlantis. The destruction of Atlantis left a rift in the universe that is so large, it can be felt by all creation – even a foetus in the womb. They are passionate about life in all of it's forms. Oracles tend to make friends with awesome and horrendous creatures such as The Gods of Old, faeries and those in the court of Seelly.
It is known that the small amount of Oracles that are left are usually enslaved by Politicians, Deceivers, Nobles and sometimes even corrupted Watchers. They live a wretched existence, paying the cosmic toll left to them by their foremothers and forefathers. It is unknown how many Oracles still retain the knowledge of Atlantis. It was decided long ago, during a Watcher council set up to restore balance, that the survivors of the Lost Kingdom never regain their memories.
Some of those Atlantean Priests and Priestesses foresaw this judgment and cast a circle about themselves to escape the fate. At least the two of them succeeded in this and were still joined in handfasting. Had the memory of Atlantis faded from them, their union would have been null and void and they would not have the promise of being reincarnated with each other. The karmic fallout from this action of going against the will of the universe caused a rip in the substance of one of the Oracle's stars.
The lovers were destined to meet each other but eventually the energy from the damaged star would drain, killing the owner and ending the life prematurely. The mate of the damaged Oracle star did not accept this and caused another terrific event to further push the wheel of the universe off kilter. She sought to repair the rift within the star with the core of a Phoenix, but it was too late – the star had died. Overcome with grief, she caused a bubble in the universe much like a miniature version of Atlantis and lives there with the memory of her former lover. Cursed and yet content in her madness.
She creates worlds of fantasy for them to escape in and live out the lives that they were cheated of by the decisions of others. Her laughter is in the shrill of death overtaking the innocent and her sobs can be heard moments after the lightning strikes. Her lover ever reminds her of their mortality as they deplete the energy left by her master's once healthy star. Going against death itself, they create a new life from a memory and the energy of a single, defiant star. A baby grows in defiance of the entire cosmic flow.


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At Cosanta we apply the Stoffenmanager® implementation ladder philosophy. We have developed this ladder to help us to ascertain where your company is positioned in respect of substances policy. It gives us a basis on which we can establish the next logical step you need to take on the ladder. The first steps (phases) on the ladder are mainly of an instrumental nature: how do you work with Stoffenmanager®, do you have sufficient knowledge, etc. The final steps are geared to cultural change within your organisation whereby the focus lies more on getting commitment and engagement from employees and management.
In the first steps on 'working with Stoffenmanager®', we can provide you with support through training and advice. Our consultants are registered toxicologists and/or occupational hygienists with many years of experience in advising and supervising a whole range of different companies. They can give you a wide spectrum of advice on substances policy, working with Stoffenmanager®, setting up a substances register, entering products into Stoffenmanager®, etc. If you wish, we can also fill in your products, and SDS information into Stoffenmanager®. We also undertake measurements of hazardous substances for you, provide consultancy on biological monitoring and can advise you on compliance with the obligations of REACH legislation. Our Cosanta website contains more information on these and other services. If you would like to find out what possibilities are open to you, just give us a call on +31 20 7920013.
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I'll admit that I am biased. I like to play poker and it's a long drive to the closest casinos in Indiana.
So yes- my reasons for wanting a casino in Ohio are pretty selfish.
That said- I was pretty excited when I heard about plans to build a $600 million casino resort in Clinton County.
The plan actually sounds pretty cool and, in addition to a "full upscale casino", it also includes:
* a world class resort with a 5 star hotel
* top design golf course
* international, full service Spa
* 5 star gourmet restaurants and casual eating
* Full scale convention facility
* Live entertainment and theater.
* 2nd phase of project will highlight a NASCAR super speedway.
So far so good.
Then I went to website for the group proposing the casino: MyOhioNow.com.
I wanted to laugh and cry at the same time! The site is horrible! You have to scroll down FOREVER to find any information. And the information that is there looks like it was just cut-and-pasted in from random sources.
Here's what it looks like:
That's just the first page- and it only gets worse from there.
Listen up, MyOhioNow.com: you better spend a little money on web design if you want to convince people you are serious!
For Joseph:
I appreciate your criticism of our site.Our prpject is very real and fully funded. It will be on the ballot in November of 2008.
However, you are write, we are not web designers. We have accumulated many facts and links and posted them to our site. We are afraid of getting too slickk. But maybe we will take your advice and seek a web designer.
Actually I was quite interested in hearing your thoughts and critique. However, you were the first to note that. I would like to hear any ideas you may have.
Thanks again.
Rick Lertzman
Pingback: Plunderbund - » Marc Dann Rejects MyOhioNow.com Petition()
"However, you are write, we are not web designers".
Ok, I can accept that. But you are not "write" in your use of the English language.
Lorana M. Kelly
I am thrilled at the possibility of a casino coming to Ohio. On my way to the casino in Indiana, i have observed the numerous cars in front and back of me with Ohio lincense plates. If people enjoy the games casinos provide, why shouldn't Ohio benefit from the revenue they bring in?


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The New Balance 876 is specifically designed to be lightweight and cushioned, and was created for the trail runner looking to explore the outdoors and enjoy their workouts on adventurous trails.
At a mere 9.5 ounces in the New Balance WT876 and 11.7 ounces in the New Balance MT876, this trail running shoe enables you to tackle any environment you see fit.
Scroll Over Thumbnails to See Larger Pics
Checking the bottom of the shoe, you will quickly notice that the NB 876 means business. The traction is designed in abrasive lugs across the outsole, providing exceptional grip on wet or icy trails.
The heel of the 876 contains New Balance's N-durance heel reinforcement. This structure provides extra support where your heel strikes, and absorbs shock with each foot fall. The materials used in the N-durance also resist compression, and help improve the shoe's durability.
The upper of the New Balance 876 contains a lightweight synthetic mesh, which covers their Lockdown Liner. This new technology actually pulls the mesh around your foot when you tighten the laces.
The front of the shoe is also protected with their Rock Stop guard. This becomes very useful for protecting your toes from any sharp surfaces or tree roots that you may pass during your run.
Checking out the inside of the shoe, you will notice the Ortholite foam insert. This is a lightweight, breathable material which can easily be removed for a quick dry after your workout.
Worried about having wet feet during a run in the rain? The inner body of the NB 876 is surrounded by a Lightning Dry Liner, which keeps your feet warm and comfortable even in the wettest conditions.
Is New Balance 876 The Best Running Shoe For Me?
The NB 876 allows its users to get creative on their runs and explore the path less traveled.
Testers are impressed by the durability and comfort of the shoe in the roughest conditions. They were able to take the shoe up into snowy mountains and down rugged trails. The 876's provided traction and flexibility, while performing well throughout.
I personally own a pair of the New Balance 875's and have been pleased with their toughness. They are both lightweight and responsive during a run. They have been great for working out at the gym, and also for running in the winter time when snow and ice cover the ground.
The major complaint I had with the 875's is the tongue slippage. No matter what I tried, the tongue would roll to the lateral side of the shoe during each workout. This issue has been fixed in the latest model, as the tongue is actually sewn into the liner. Users of the 876 appreciate this fix, and are finding the shoe's tongue stays in place.
If your workouts take you off the paved streets and onto more adventurous terrain, you will discover the New Balance 876 trail running shoe is very impressive. It will take you on any excursion you can dream of, and will protect your feet under the most rugged conditions.
For runners desiring an even lighter trail shoe with a natural minimalist feel, be sure to check out the New Balance 101 Trail.
RunPals Rated: New Balance 876
(4.5 out of 5)


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Date: Thursday 2 December 2010
Time: 9:30pm
Admission: Free
Line Up:
Motion Fades
Apart from being a part of indie rock band Chochukmo, Mike had his solo acoustic project, Motion fades, started in the Autumn of 2006. With his love in music such as Bossa Nova, Jazz and Ballad, Motion Fades has since provided a perfect platform for him to write and sing whatever he feels.
And now he's on his own with his voice and his low-priced Takamine guitar, performing in any places from huge rock venues to small pubs lying around any street corners. By his voice and rhythms, he wants to deliver the sentiments he experiences in every day's life.
Formed in late 2008, Halcyon consisted of Stephen, Ming and Tat and started out as a pop rock band with elements of ambient rock and punk. During mid 2009, we invited Keyboard player Sandy to complete the quartet enrichening vocals and the overall sound of the band. Since then, Halcyon has been writing songs of different styles, taking influence from many genres and have been constantly developing our own sound. After 2 years of live shows and recording, and the latest of our work, "Outphaser's Dance", bassist Tat departed and replaced with new bassist, BK. With this line-up change and new inspiration, we hope to keep on producing unique music.


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Wooden Masks
Detailed write up
More pics
Other crafts
The Sinhalese have always used wood for their mask-making. The mask-makers have found wood to be a very suitable medium for carving out the images of demons, devils, sannis, divine beings, legendary creatures, humans, and animals. The artistic tendencies of the mask makers are revealed through these objects meant for magical, curative, and entertainment purposes. The woods preferred were of the lighter variety as they would be easy to carve and lighter to wear.
In Sinhalese traditions, face and head masks are described as: 'A new form of face and head artificially produced and meant to be worn to alter the appearance and effect of the wearer in a deliberate and definite manner.' Masks are generally used to conceal the identity of a person to create another personality. Vesmuhana, for the Sinhalese, represents wearing of the mask and/or disguising the face. Masks are usually worn in a manner that allows the entire face to be completely covered; they are worn at a downward slant over the forehead.
The Sinhalese wear masks during (1) Devil dancing - dancing with masks associated with exorcising rituals (removing devils and sicknesses from people) (2) Kolam dancing - masked dramatic performance through presentation of human and superhuman characters restricted to the rural areas and (3) Sokari dancing. Masks are also worn during theatre performances or devolmadu ceremonies (ves pema and amba vidamana), as part of public rituals prevalent in Sri Lanka.
The Asia
Inch Encyclopedia is building a permanent, long-term archive of writings
that have enduring cultural, historic and evidentiary value. Read the
collected writings of -
Ashoke Chatterjee,
Judy Frater,
Paula Manfredi,
Carolyn Jongeward,
And others
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To view a list of all the crafts, click on search.


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Read this tip to make your life smarter, better, faster and wiser. LifeTips is the place to go when you need to know about Online Bachelor Degrees in Teaching and other Bachelor Degree topics.
Education degree programs focused on teacher leadership prepare educators to take on supervisor roles within the school system. This is a graduate level degree which requires completion of coursework in instructional supervision, curriculum design and designing programs for staff development. These students may already be highly skilled teachers but do not necessarily have the skills required to oversee a group of fellow teachers. By obtaining this higher level degree, the teacher prepares himself for supervisor roles which may not only be more financially rewarding but may also have a greater impact on the function of the school system.
|Guru Spotlight
|Phyllis Serbes


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The Rebel Yell
The Rebel Yell
The rebel yell was a battle cry used by Confederate soldiers during the War for Southern Independence. It was utilized by Confederate soldiers during charges to intimidate the enemy and to boost their own morale and that surge of adrenaline.
The origin of the yell most likely came from the Scottish war cry tradition. Historian Grady McWhiney says it was derived from the screams traditionally made by Scottish Highlanders when they made a Highland charge during battle. At the Battle of Killiecrankie "Dundee and the Chiefs chose to employ perhaps the most effective pre-battle weapon in the traditional (highland) arsenal – the eerie and disconcerting howl," also "The terror was heightened by their wild plaided appearance and the distinctive war-cry of the Gael – a high, savage whooping sound….". Earlier documentation during the Roman conquests of Britain suggest the use of a particular yell uttered by the northern Celtic tribes of that region, in conjunction with wearing blue woad body paint and no clothing. There is another interesting reference in a book by Lord Frederick Spencer Hamilton: "By the way, Irish cheering is a thing sui generis. In place of the deep-throated, reverberating English cheer, it is a long, shrill, sustained note, usually, very usually, very high-pitched."
The notion that the rebel yell was Celtic in origin is further supported by James Hill. "The first United States census in 1790 revealed a well defined ethnic division between the Northern and Southern states. In New England 75 percent of the people were Anglo-Saxons in origin, while Celts outnumbered Anglo-Saxons in the South two to one." A decade before the American Civil War the South – from Virginia to Texas was about three-quarters Celtic. This evidence is also supported by McDonald & McWhiney's research into the Celtic nature of the Southern States.
Love your Heritage, Tex Wood


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Brandon's House
Saving the life of one child can change the world
|Young children more likely to be killed by parents than others
|Parents who kill their children are receiving more attention in several national studies.
|Classification of Child Homicide by Parent
|Investigators at UT Southwestern Medical Center at Dallas are providing insight into a most disturbing crime - the killing of a child by a parent, or filicide.
|When Parents Kill - Why fathers do it. Why mothers do it.
|It will do a good deal to advance the cause of children's rights if we begin to consider them as legal entities in and of themselves.
|The dilemma of lethal child abuse
|Failures in the system meant to protect kids are not easy to pinpoint.
"For many people, it's emotionally and philosophically easier to point fingers, than to look at it as a communitywide problem that we're all responsible for." said Diana Goldberg, executive director of Sungate, an Arapahoe County child advocacy organization.
|Mothers killing kids can't turn into old news
|Exact figures are sketchy, but the FBI estimates that every two to three days, somewhere in this country there's an incident of a mother killing her child.
|Killing or injury to children on rise
|Between 1976 and 1997, approximately 11,000 children were murdered by those who gave them life or were supposed to give them care.
|Why do parents kill their children?
|As New Hampshire and the nation grapple with the question of why a seemingly devoted father would kill his own children, experts offer a range of possible explanations.


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Lets Get Started
We bring forth our vast industrial experience and expertise in this business, instrumental in producing and supplying of an excellent quality range of Metal Suit Buttons in New Delhi, Delhi, India. This Coat Button is widely demanded in the garment industry. Moreover, this product finds enormous demands in the industry for their excellent finish and gleaming look.
Last updated on : 31 March 2018


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Sai Pallavi to Romance with Naga Shourya in Karu
Premam' beauty Sai Pallavi has stormed into stardom with her debut as "Malar" and has never looked back ever since.
She has become a quintessential actor in the south cinema and is soon going to be seen in Sekhar Kammula's 'Fidaa' alongside Varun Tej. The girl-next-door look of Sai Pallavi has earned her some cult following and that is what had the producers and directors knocking her door.
After, 'Fida', the actress will be seen with actor Nani in 'MCA'. Both 'Fida' and 'MCA' are produced by Dil Raju.
Recently it was reported that Naga Shourya has signed an upcoming bilingual Telugu-Tamil movie, to be directed by well known Tamil director AL Vijay and produced by Lyca Production. It is touted to be horror flick and will be made on the huge budget.
"Earlier, Vijay was to direct Sai Pallavi in the remake of Malayalam film Charlie. However, that film was indefinitely postponed and the director started work on the new project titled Karu, in Tamil and is expected to go on floors from June. Shaurya has been approached for this film, the film will have cinematography by Nirav Shah.
However, any other details that we can give you here need authentication and let us wait for an official announcement.
19,250 total views, 2 views today


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Don't let people define who you are by what they think you should be!
Tags: change, Christianity, culture, Defined, encourage, Inspiration, Life, love, My Life, people, quotes, relationships, Thoughts, transformation
About ValarielovelightHi, my name is Valarie Lovelight. This I call myself as a reminder of what I choose to be everyday towards others, a light of love in action and not just in words. I invite you to read, comment and share on my blog as well. Also, to add something about myself, I'm an author and Minister and love is my calling to share with others.
6 responses to "Defined"
Paris Styles Designs says :
Yes! 🙂
Valarielovelight says :
I enjoyed looking at your site. Did you create these yourself.
Paris Styles Designs says :
Yes…all the items in the gallery are my work. That's just a sampling. I've not had a chance to add everything yet. Thank you for checking out my blog. 🙂
Valarielovelight says :
No, thank you! As you can see, I have a deep appreciation for unconditional love, God's love towards others/everyone. Do you have anything that focuses on love?
Paris Styles Designs says :
Take a look at the piece I just finished for a charity benefit for Haiti. I think that blog is titled Great Commission Alliance Art Donation. If you read the post you'll see how the theme of God's spirit and love inspired me in the art. I also do wall art with a love, faith and hope theme. I plan to do work art with a spiritual theme…especially focusing on God's great, unconditional love.
Valarielovelight says :
Thanks, I'll check it out!


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3 Bedroom, 3 Bath Townhome Floorplan
3 Bed, 3 Bath, $825/Month, 1500 sq ft
- Basketball Court
- Business Center
- Central Air
- Clubhouse
- Fitness Center
- Game Room
- Garage
- On-Site Laundry Facility
- Patio/Balcony
- Picnic Area with BBQ Grills
- Playground
- Washer/Dryer Hookups
- Dishwasher
- Refrigerator
- Stove
Utilities Paid By Management:
- Garbage
- Lawn Care
- Snow Removal
- Water
Utilities Paid By Resident:
- Electricity
- Gas
Floorplan Description:
Ask leasing agent for availability - some floorplans have a waitlist.
Completed in 1998, Wood Bridge is located in south Lincoln at S 22nd Street and Pine Lake Road, just 10 minutes from the heart of downtown. Five spacious floor plans are available: a three bedroom, two and one-half bath townhouse with attached garage and full basement and two bedroom apartments with either one or two bathrooms. All two bedrooom apartments are in 8-plex configurations. Detached garages are available for an additional monthly charge. Wheelchair accessible apartments are available. No pets allowed.
This beautiful apartment home includes 1500 square feet of living space, a private patio area, washer/dryer hookups, and much more! Call today for your own personal showing!
The Wood Bridge development also includes a clubhouse/community building, laundry facility, on site maintenance and leasing staff, tot lot, picnic area, basketball hoop, and beautifully landscaped surroundings. The clubhouse offers a fitness room, game room, kitchenette, meeting space, vending machine and computer facility including internet access, all of which are available to tenants at no extra charge.
Ask about reduced rent rates.
Other Floorplans at Wood Bridge Apartments & Townhomes
2 Bedroom, 2 Bath Upper Level
2 Bed, 2 Bath | 1100 sq ft
Rent: $700
Sign Waitlist
2 Bedroom, 2 Bath Lower Level
2 Bed, 2 Bath | 1100 sq ft
Rent: $685
Sign Waitlist
2 Bedroom, 1 Bath Upper Level
2 Bed, 1 Bath | 1000 sq ft
Rent: $670
Sign Waitlist
2 Bedroom, 1 Bath Lower Level
2 Bed, 1 Bath | 1000 sq ft
Rent: $655
Sign Waitlist


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Know more about this business than we do? Cool! Please submit any corrections or missing details you may have.Help us make it right
Be the first NJ.com user to add photos or videos of Edgewater Title Agency
Edgewater Title Agency can be found at Tower Dr 101. The following is offered: Insurance. The entry is present with us since Sep 9, 2010 and was last updated on Nov 14, 2013. In Edgewater there are 4 other Insurance. An overview can be found here.


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Movers in Cincinnati, OH
(4 reviews)
Why move cheap? The answer is simple. Why pay more? We make the moving process easy, convenient, and affordable for you.
Many Cincinnati moving companies charge their customers $100.00 or more an hour, but we feel those rates are too high and unfair! With Move Cheap, you get licensed, insured, uniformed, screened, and experienced Cincinnati movers for a low and local price.
Why pay the other companies to use their trucks? You rent the truck or trailer (U-Haul, Budget, Penske, etc.), and we charge a low and minimal fee for loading, unloading, packing, and unpacking. We also supply tools, various dollies, moving straps, and other moving equipment at no additional charge.
Maybe you just need the extra pair of backs to help get the labor done or to load your storage unit. Just give us a call, and we'll get the job done for you! We'll do it for less without sacrificing quality.
We also have experience with all of the mobile storage products in the Cincinnati area - PACK-RAT, U-Box, Units Mobile Storage, ABF UPack, GetaSam, Relocube, and PODS.
Our goal is to give you the best moving experience possible!
Whether you're a student from the University of Cincinnati, a doctor from Anderson Mercy, or a Director of Cincinnati Union Terminal, we're here to help everyone in our hometown area move for a fraction of what the full-service companies charge.
Our staffs are all professional, well trained, and come from areas of moving backgrounds, so that you can expect the best.
We can save you hundreds, so "why not move cheap?"
(show more)
Source: www.thumbtack.com
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Lookeronline.com is a web store where you can buy sunglasses, glasses e ski goggles of the best brands:
Ray Ban, Oakley, Gucci, Persol, Carrera, Tom Ford, Dior, Rudy Project and many others...
Our site relies on the experience of the sector's professionists; our shops, scattered between Tuscany and Lazio, are open from 1980,
are based on the fundamental principles of professionality and trasparency, and they propose only high quality products.
Lookeronline wants to do the same thing, the customer satisfaction is at the base of our work.
Choose your favourite glasses among the various proposed, you will can receive it in a few days at your home.
Visit the section Ready to Ship, a wide choice of models already available in our warehouse shipped in only 24 hours!


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September 16, 2013
How To Save Money
I always thought schools need to teach you basic finance as I know so many people who doesn't know about credit lines, loans, and just managing money in general. Even though they have a full time job, they have a huge debt, no savings or still rely on others to financially support them.
I'm grateful for my parents teaching me how to handle my finance. I am not from a wealthy family, I have a 9-5 job and I'm 100% financially independent. And thanks to my parents' teachings, I own a house, a nice car, my Chanel, Louis Vuittons and other luxury goods and still manage to have money to travel. Currently I'm working on buying another house. So I thought I'd write some tips I follow.
Keep in mind that while I save, I also go out a couple nights per week and splurge when I feel the time is right- every pay cheque day I take my boyfriend out for a fancy dinner and drinks, and I'm a sucker for splurging on skincare and designer bags…
How NOT to Save
1) Penny pinch and become a life hating Grinch.
2) Cheap out at other's expense. Ie give shitty tips, bumming drinks off people, "forgetting" to pay your friend back. Not cool bud. Not cool.
How To Save
1) Don't spend more than you make
I used to work at a restaurant where a lot of times you only make about $40 tips. Still, the staffs there get a Starbucks coffee & muffin before they start and a full-not-the-cheapest-meal during. They then have a few beers and food after work. Those guys take home less than $40 at the end of the day. #SadPanda
2) Pay off your student loan ASAP
… And put more than just the principal payment! You only have 6 months grace period after graduation before the government start charging for interest. Even if the interest rate is 3%- 3% of $50,000 is a hefty $1500. That's enough for a Chanel wallet or a nice trip. Yes, school is busy and stressful, but $3 coffee in the morning and $10 campus food daily doesn't help with that loan.
3) Don't EVER borrow from VISA
Interest rate for Visa is around 6%, to quote my dad: "They're highway robbers!". Don't be stuck paying that 2 week Thailand trip for the next 2 years. One less vacation or luxury product isn't going to kill you.
4) Hide your money
Set up your bank to have automatic withdrawal to your savings account on your payday so you don't even see that money. You can't spend what you don't see. But when you do check on it every blue moon- you mentally ho ho ho giggle like Santa Claus.
5) Stop buying crap
You don't need another neon shirt. You don't need those trendy yellow and blue reflector sunglasses. You don't need a baroque print skirt. You and I both know that they go out of style and take up closet space. They clutter your life and when you look at them a year later you will regret buying them. Save your money and invest in a timeless purchase.
6) Decide what to cut and what to splurge
Instead of a personal trainer, spend it on a basic gym membership and have a mental commitment. Instead of having an alcoholic drink at a restaurant, go for pop, or better, water- more healthy for you anyway. Instead of the $5 gelato, spend the $5 on a tub of Breyers at the grocery store and you can eat it for weeks. Instead of a weekly manicure, just upkeep it yourself- People won't judge you if you don't have a perfect manicure (And if they do, they need a life and you need new friends). And you don't need gourmet organic culinary bread. It's nice to have those things, but they should be treats, not habits. Wouldn't it be nice to cut those little costs to save for a cheap trip to Mexico, or buy that Alexander Wang bag you keep on eyeing?
20 comments:
Thanks for these handy tip Pop c:ReplyDelete
My parents taught me how to deal
with money and such as well.
these are great tips :P I follow most of them. I'd love a house tour of your home!ReplyDelete
Love this! And you have no idea how relevant this post is to me and where i'm at in my life right now. Back from travelling, broke and ready for a new era in my life. I like to think of myself as rather money-savvy, but this has given me some food for though! Thank you for that :DReplyDelete
Awesome post, and so many points well made. I'm sure many will find these tips helpful, as it might be a pain to some to try and figure these out on their own. I love to see how very intelligent you are (not that I had any doubt before) since some pretty girls try to hide that quality about themselves. ♥ReplyDelete
I loved this article to the core. This is exactly what I follow. When most of my friends get jealous of my prada sunglasses (or any such purchase) n think I have been bestowed my wealth my by parents, I tell then same things.ReplyDelete
These are amazing tips. I'm bad with my money, but not horrible. I need to change my habits before it gets out of hand and I think this is a good place to start. ThanksReplyDelete
Perfect tips! Especially for a college student like myself.ReplyDelete
xo, Juliette Laura
I feel so close to you right now! :)ReplyDelete
This is great advice. Too many people do a magic trick with their money--make it disappear and then debt appears in it's place after the smoke clears. But I really shouldn't be commenting about my family.
awesome post and you really tell it like it is! they should have a class about this before entering college. i think a lot of people go wrong at that point. your parents did a great job in teaching you. congratulations on buying a second home. that is wonderful!ReplyDelete
You're one of the most hardworking, entrepreneurial people I know. Good for you for all the success you've achieved, and great advice here!ReplyDelete
Re. #5: I mentally pep talk myself out of purchases all the time.
I love your "how not to save's" - too funny! AND so true! I hate when people leave shitty tips and screw over other people!ReplyDelete
This is such a useful post! Sometimes I need to budget more than I actually do and I like the idea of deciding beforehand what to spend money on :)ReplyDelete
Good tips!! Some people should take them more in consideration. They seem obvious, but a lot of people forget them!!ReplyDelete
Great tips! I agree that trendy fashion pieces go out of style really quick! :)ReplyDelete
xx Denysia Yu
Seriously great advise. I like how you put it too. Ha, too many times I fall for the trendy splurges and those are NOT smart! -_-ReplyDelete
The Dragonfruit Diaries
Really good advice babe! Congrats on your achievements, you can be really proud :DReplyDelete
Those are some useful tips! There's a book at the bookstore, named 'how to save money'. The price was around 30 dollar. I think the first tip should have been: don't buy this book!ReplyDelete
There are all great tips and I need to start applying them to myself asap.ReplyDelete
I like all the tips you put there.... I love travel....so use #4 tip a lot for my traveling :)ReplyDelete
Amazing tips and I am glad you actually share them, so many people especially bloggers are cluttering their life with debts just to keep up with trends that will be gone in a night.ReplyDelete
I am a "do not taking any student loan at all" there are so many way to go buy and study without owing a fortune.
Great tips.


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Collaborating with our Swiss Chaos Network partners The Magic Pencil, Chaos helped win an advertising campaign pitch to world famous premium coffee and coffee machine makers Nespresso.
Nespresso were launching Linizio, a new larger sized (full mug) espresso sachet for their premium coffee machines to the Swiss market. They knew there was an appetite for the product amongst their 'exclusive club' audience of owners but wanted to inspire their desire for a larger espresso in the morning.
Working collaboratively with our Swiss creative colleagues , we developed a range of advertising campaign concepts fully evoking the sense of satisfaction of enjoying the largest coffee yet, from a single capsule. The campaign launches in Switzerland, the home of Nespresso and is being rolled out across Europe.


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I never dreamed on that sunny afternoon, as my husband and I took a fitness walk along the row of car dealerships that we would be returning home in a brand new, red convertible SAAB. The car just seemed to fit the day. After all, this was Southern California where sunshine and fancy cars abound. It is also a place where many judge you by what you drive. Of course, we already owned a prestigious little foreign convertible but it had become a real headache with its never ending, expensive repair bills.
As we negotiated with the SAAB salesman to purchase the car, we abandoned the idea of a trade-in because of the tremendous loss we would have to take on the market value. Besides, we had driven my husband's car that day and the problem car was at home. We would just have to sell it on our own. After several hours of the salesman "checking with the manager in the back", we drove off into the sunset basking in the exhilaration of purchasing a new toy. It only took a few days for us to face the sobering reality that we now had three cars to insure and maintain. Plus, the monthly note was so huge that it rivaled the note on a rental property investment. It took us much longer to sell the headache car than we had anticipated. We finally admitted that we had indeed made an emotional purchase. We had bought the SAAB out of frustration with the old car plus a desire to maintain a certain image.
I take no pleasure in sharing this story. In fact, I experienced a great deal of guilt over this transaction because I am a Certified Public Accountant and assumed by most people to be pretty frugal with my funds. My husband is also an astute financial manager. Even though we have never made a purchase that we could not afford, emotional transactions simply do not reflect good stewardship of God's money that He entrusts to us.
After a year, we sold the car and invested in a single family home which ultimately yielded a handsome return. I wish I could say the SAAB was the last of our emotional spending; however, it was not. The problem with an emotional purchase is that it doesn't eliminate the emotion that motivated it nor will it bring any lasting satisfaction. Isaiah the prophet asked, "Why spend money on what is not bread, and your labor on what does not satisfy" (Isaiah 55:2 NIV)? Spending to pacify an emotion is like being given the anesthesia but never getting the required surgery; you get temporary relief, but the problem remains.
I did some honest soul searching about the car acquisition and concluded that many of my purchases emanated from my basic personality temperament. As a hard driving, goal oriented person, I found that my acquisitions were a way of saying, "I've made it." I wanted to be recognized as a success without having to say a word. After all, I abhorred braggarts, egotists and anyone else who openly exhibited pride because of their possessions.
Having counseled singles, seniors, and soul mates–and having observed their spending habits-I have concluded that everyone must come to grips to with his emotional views of finances before he attempts to master the mechanics of money management. I can lecture until I'm blue in the face about the importance of having an emergency cash reserve, or contributing the maximum amount to the company's matching retirement plan, or getting out of debt. Despite my admonitions, a single overriding emotion can cause anybody to abandon sound financial judgment. Let me share seven emotions that may cause you to spend in an unwise manner and some ways of dealing with them.
Stress: "You deserve a break today", declares the popular McDonalds fast foods slogan. If you are constantly confronted by stressful situations, you do indeed need to find relief-but not through spending. My husband and I purchased a 32-foot cruiser boat with the hope of finding relief from our stressful schedules. The boat show was held at the marina, so we experienced right there on the spot what it would be like to chill out on our own boat. Just the thought of leisurely weekends cruising around Southern California's harbors was enough to seal the deal. Well, it wasn't long before the boat itself became a source of stress. Whoever said that the two happiest days in a boat owner's life are the day that they purchase it and the day that they sell it was right! Enough said.
In my book, 30 Days to Taming Your Stress, I list 30 ways to address your stress including controlling your finances, setting boundaries, exercising, releasing unrealistic expectations, delegating, saying no, and a host of other actions.
Anger: Shopping may help you work off a little steam, however, if you peel your anger onion, at the core of it you may find that you are angry with yourself. Perhaps you tolerated someone's bad behavior, failed to speak up, put yourself at risk, or a number of other regretful acts. Before you run to the mall, get in touch with why you are feeling the way you do and confront the people involved. If face-to-face is not possible, then write a letter expressing how you really feel about what has happened and what changes you desire. Ask God to give you His words and His wisdom so that you can be direct, honest and godly in your approach.
Boredom: Television and Internet shopping companies thrive off the boredom that drives buyers to indulge their fantasies. The best way to combat boredom is to invest time in meaningful diversions that move you toward your goals or that make life better for others. Here are a few suggestions:
- Take a crafts or other class of interest at your local community college. They are usually low cost, short in duration, and are a great way to meet new people with common interests.
- Host or teach a class at home on a subject of interest to those in your circle of interaction.
- Volunteer with a church or other charity to visit nursing homes, hospitals, orphanages, or shelters. I used to get great satisfaction from just combing the hair of the elderly who never received any visitors. The staff will welcome your support and the patrons will never forget your act of kindness.
- Keep a supply of blank note cards. Send a word of encouragement to someone who needs it (your minister, a college student, a mom with small children, someone who is ill, etc.)
- Helping others is personally rewarding and usually requires little more than your time.
Now even if your expenditures seem to be minor, beware. Those frequent, discounted purchases can really add up. Anne, a receptionist, visits a local discount store when she is bored. She rationalizes that her spending is relatively harmless since the items cost so little. She does not wish to face the fact that her $5-$10 purchases can exceed a few hundred dollars during the course of a month. Further, spending is just a temporary cure for boredom. The thrill of the purchase will fade in record time and then you'll need another fix. This vicious cycle is sure to keep you in a financial pit.
Depression: Recall the last thing that you purchased with the hope that it would cheer you up? Did it? If so, for how long? I know that I'm treading on sensitive ground here, but if you are depressed it maybe because you have become the center of your world; you have focused all of your attention on how things are affecting you. If you would dare to step out of the spotlight and shine it on someone else, you will find amazing results. See the list above for possible activities that may refocus your attention. Also, consider getting a psychological evaluation by a medical professional.
Insecurity: When you feel unsure of your inherent worth as an individual, you may find yourself buying things that will impress others of your value. One of my counselee's, Lucy (not her real name), drives a pricey BMW, but cannot afford to go out for Sunday dinner even at an inexpensive restaurant. "I want a car that's a good investment", she lies to me and to herself. The truth is that her entire self worth is wrapped up in sporting that car around and being admired for owning it. It is her only asset besides her clothes.
If you happen to be a "Lucy", ask the Holy Spirit to give you the courage to stop living a lie and to begin to spend at your affordability level. Value the intangible assets that you bring to the table such as a sense of humor, integrity, dependability, perseverance, and so forth. Don't be like Haman, the insecure Persian official who needed the king's horse, the king's robe and association with a noble prince to feel honored (Esther 6: 7-9). Rather, adopt the mindset of the Proverbs 31 woman: "She perceives that her merchandise is good. . ." (Proverbs 31:18 NKJV). Here was a woman who was not dependant on outside validation; she knew inwardly that her merchandise (what she brought to the table) was good.
Frustration: Thwarted plans, unmet expectations or other unfulfilled desires can send you running for mall therapy-unless you have totally embraced the truth of Isaiah 14:27 (NIV): "For the LORD Almighty has purposed, and who can thwart him? His hand is stretched out, and who can turn it back?" To be disappointed is human, but to insist on having something that God has vetoed is the ultimate rejection of His wisdom. Therefore, you must always remember that if God desires a certain situation to come to pass in your life, nobody could thwart it. In denying your wish, consider that He may be working out in you something of more eternal value. Release it to Him. Rest in the fact that Father knows best. Don't try to pacify your disappointment with a shopping spree. In fact, during this vulnerable time, avoid the mall like the plague. It is far easier to avoid temptation than to resist it.
Happiness: All emotional spending is not spurred by negative circumstances. Sometimes, your can be so overjoyed by a situation that you want to celebrate by treating your family, friends, or others. This is especially true of those who receive a big bonus or a financial windfall. A recent television special on lottery winners showcased several people who had won millions of dollars but who had lost it all due to their uncontrolled emotional spending. One man had gotten so far out of control that he sold his future earnings of $10,000,000 for $2.5 million! I'm not discouraging generosity; however, if you know that you are prone to emotional spending, you would be wise to set aside a fixed amount for celebrations and stick to it. You may even have to put the rest of the money into the hands of a money manager or in an account that is not easily accessed in order to stay on track. You do not have to set a bad precedent by playing Santa for every positive event that happens in your life.
You can control your spending no matter what emotion is demanding to be addressed–be it stress, anger, boredom, depression, insecurity, frustration or happiness. A self-intervention will save the day. Ask yourself, "What am I feeling?" "What is the best way to deal with this particular emotion?" Next, focus on the proposed purchase and keep the questions coming: "Do I need it or just want it?" "Is it outside of my spending plan?" "Will it hinder or advance my financial objectives?" "Will it permanently satisfy this emotion?" Know that the Holy Spirit, your Strength, is standing by to help you make the right decisions. Don't ignore Him.
So when is enough, enough? Do you find yourself unable to enjoy what you do have because your thoughts always seem to wander to what you don't have? Contentment should be the goal of every person who desires to walk in financial freedom. In our "more, more, more" society, anyone who is content is viewed by the stressed-out masses as lazy and unambitious. It is interesting to note that various surveys show that people felt richer in the '50′s they do now when we have bigger houses, IPODs, low-calorie frozen dinners, cable TV, the Internet, extra jobs and the works. Why is this so? Because we have too busy trying to obtain or maintain too much stuff!
But, let's look at contentment as taught in the Bible. Paul taught that ". . .godliness with contentment is great gain". (1 Timothy 6:6 (KJV)) We must understand that discontentment is a state of the mind in which one never quite feels satisfied with his present possessions. On the other hand, contentment is a state of the heart. A contented Christian says, "Lord, I thank you for every thing that I am blessed to have right now and I rest in your promise to give me the desires of my heart and to meet my every need according to your riches in glory. You see the financial goals that I have submitted to you. I receive your grace to do all that I am supposed to do and I leave the rest to you."
To be content, then, does not mean to be complacent. A complacent person is satisfied with his plight and desires no more. A Christian who is content is satisfied that his material blessings are on a planned delivery schedule and at the appointed time will come into reality. We must understand that God has always worked on a set timetable. He sent His son Jesus to the earth "in the fullness of time"; He promises to exalt us in "due season". Your financial blessing will come at the appointed time. You must stay surrendered to God's sovereign schedule. Oh, what a relief it is to relax in the assurance that the blessing is for a set time. It is no wonder then that the apostle Paul exclaimed that godliness with contentment is great gain. One who has achieved this state of mind (and spiritual maturity!) has indeed gained the victory over anxiety and the gravitational pull of materialism.
Antidotes to Discontentment
Practice Gratitude: One of the key steps to slaying discontentment is to become extremely grateful for every thing. Take nothing for granted. At the end of each day, take a few minutes to remind yourself of every provision that God has made for you and your family that day. Did you have transportation? Did you have a choice of what outfit to wear today? Were you able to obtain the food that you wanted? Are you aware that the people in Haiti live off less than $2 per day?
Solidify Relationships: Another key factor in avoiding the pitfall of discontentment is to become more relationship focused and less "stuff" conscious. When we read the account of the Shunammite woman to whom Elisha wanted to express his appreciation for making a room addition to her home for him and his servant, we immediately sense her contentment:
He said to his servant Gehazi, "Call the Shunammite." So he called her, and she stood before him. Elisha said to him, "Tell her, 'You have gone to all this trouble for us. Now what can be done for you? Can we speak on your behalf to the king or the commander of the army?'" She replied, "I have a home among my own people." II Kings 4:12-13 (NIV)
Even though she was barren, she had not focused on what was missing in her life, but rather on what she did have-meaningful relationships. She was not concerned with climbing the social ladder; no need to speak to the king on her behalf, thank you. She had found contentment in her relationships. Many people will spend thousands of dollars to go to far away places and interact with strangers whom they will never see again rather than investing quality time in building meaningful relationships at home.
Our quest for more, more, more takes away time from the things that yield true riches-heartfelt fellowship and interactions with others.
Resist Covetousness: Proverbs 27:20 declares that ". . . the eyes of man are never satisfied." This passage lets us know, then, that it is not our natural inclination to be content. Therefore, our spiritual eyes must be developed to the point that we can resist the desire to always want what we see. This requires conscious effort. Each day I am becoming more and more resistant to the magnet of discontentment. When my neighbor pulls out of his garage in my dream car, I do not feel a twinge of discontentment. I rejoice that my ten year-old auto is paid for, looks good, and works fine. As far as I am concerned, keeping up with the Jones' is sheer insanity. Of course I love beautiful things. I visit model homes and get great decorating ideas. I implement the ones that are within the realm of good stewardship and refuse to spend a second bemoaning the fact that certain extravagancies (though impressive) would reflect poor stewardship when so many others are suffering financially. Such a mind-set could only be the work of the Holy Spirit.
During these tough economic times, it will behoove leaders and lay people to wage war against discontentment. Don't be a victim of marketing campaigns designed to make you feel "less than" in one way or the other. We must learn ". . .the secret of being content in any and every situation, whether well fed or hungry, whether living in plenty or in want." (Philippians 4:13 (NIV))/
Excerpted from Show Me the Money by Deborah Pegues
You are well aware of the financial woes that we are experiencing as a country. On the surface, you have every reason to become alarmed. However, as God's children, we are called to have a different mindset. I was awakened recently with this message on surviving the crisis. For simplicity and retention, I will use the word C-O-P-E as an acronym to outline the basics of what we must do now.
Chill: This is the colloquial term used today meaning to relax, to cease worrying. God is saying to his children, "Don't worry about anything; instead, pray about everything. Tell God what you need, and thank him for all he has done. If you do this, you will experience God's peace, which is far more wonderful than the human mind can understand. His peace will guard your hearts and minds as you live in Christ Jesus" (Philippians 4:6-7 NLT). In other words, "chill out". God is not pacing the floor in heaven trying to figure out how to avert a financial tsunami. He is writing history. Therefore, we have an awesome opportunity to show the world our faith by how we respond to an economic crisis. Our peace should be so evident that others will question its origin. Sadly, many Christian leaders and lay people have become so anxious that they are first in line for the anti-anxiety medications that are selling at an all time high. (This is not an indictment against those who genuinely need such meds due to chemical imbalances, etc.). It's a slap in God's face to be anxious when he has promised to meet our every need. Several times a day as negative financial reports are blasted over the airwaves, I remind myself-often out loud since faith comes by hearing-that God has never forsaken those in right standing with him. No need to panic, to pull money out of the bank and put it under the mattress, nor to accept a zillion part time jobs in anticipation of lack.
Obey:It is critical that we remain obedient in paying our tithes, and giving offerings, and helping those in need, i.e., giving alms. Proverbs 3:9 says to honor the Lord with our possessions and the first fruits of all our increase. Be careful not to dishonor God by putting him at the bottom of your financial priorities if your funds decrease; warn others likewise. Further, a crisis is not the time to become fearful or selfish when it comes to helping those in need. The widow of Zarephath, on the brink of starvation, moved beyond her fear during a severe economic downturn and sacrificed for the man of God. As a result, she and her son experienced an inexhaustible food supply until the crisis ended (see 1 Kings 17:8-16). Know that when you are obedient in these three levels of giving-tithes, offerings, and alms-you are insuring yourself against lack, much like insuring yourself against loss when you pay your car insurance.
Plan: When Jesus admonished us to "take therefore no thought for the morrow" (Matthew 6:34 KJV), he was cautioning against worry and anxiety; not wise planning. "Good planning and hard work lead to prosperity. . ." (Proverbs 21:5 NLT). The following strategies are a must for financial survival:
- Establish an emergency cash reserve of at least one-month's living expenses (three is even better). The average American cannot even access $1,000 without having to get a high-interest credit card advance or a personal loan from a friend or relative. Set a deadline for achieving this goal at all cost.
- Manage your credit as never before-especially credit card debt. Avoid paying bills late as a delinquency can trigger higher rates on the card, or have an immediate impact on car insurance rates, interest rates on other credit cards, etc.
- Payoff your credit cards. A simple strategy is to start with the debt that has the lowest balance. Why? It will free up cash sooner to apply to remaining debts. Also, you will feel a sense of accomplishment once a single debt has been totally eliminated, and you will have greater incentive to keep up the good work. Now, add an extra amount to the minimum monthly payment on the card with the lowest balance. Where do you find the "extra amount"? Try eating out less. Is that expensive latte really that good? And do you really need all of those extra telephone services? These savings alone yield at least an extra $50 per month. Must you always get new clothes for an upcoming event? Now, continue paying the minimum payment on all other debts until the smallest debt is paid off. When this debt is paid in full, take the minimum plus the extra payment that you have been paying and add the entire amount to the minimum payment on the next lowest debt #2. If you faithfully follow this strategy, you will turbo charge your way out of debt in remarkable time.
- If you work for a company, tighten up your act. Perform all duties with excellence; submit to your boss with a good attitude; learn processes beyond your area of responsibility, and be a team player. Don't be a clock watcher; arrive a few minutes before regular start time and leave a few minutes later than the regular stopping time. Don't steal from your employer by doing personal work on company time or taking home supplies; why sabotage your blessings? Make yourself indispensable, the last person to be considered for layoff. However, don't operate in fear. Know that God has your back and no man can thwart his purpose for your life (Isaiah 14:27).
Expect God to work on your behalf. Do not focus your expectations on governmental or other solutions to the crisis. Rather, be reminded of the admonition in Psalms 62:5 (KJV): "My soul, wait thou only upon God; for my expectation is from him." Our primary expectation must be of God and not of man. I have drawn an imaginary horizontal line in my mind which separates the "sense" realm from the "faith" realm; I am determined not to be moved by what I see or hear in the natural. The just live by faith! I learned in physics that no two forms of matter can occupy the same space at the same time. To me, this has profound spiritual application: it is impossible to dwell on negativity while focusing my thoughts on the promises of God. I challenge you to get excited about the miracles that God will work for you-especially if you have been (or have decided to be) obedient in your giving. My own experience bears this out. The current year should have been a trying time financially for my husband and me as his employer cut his workweek in half for almost nine months. Being in full time ministry, my income can be sporadic. However, God has allowed my books to enjoy record sales. I'm happy to report that every obligation has been met in a timely manner. We did not have to resort to credit card debt nor drastically adjust our life style. Further, we have maintained a level of cash reserves never previously attained when we both worked lucrative executive positions! To God be the glory.
God honors his word. You can COPE during these perilous financial times and continue to experience his peace. Receive this word and watch God show himself strong in your life.


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