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The Varieties of Hypothesis Tests
Hypothesis testing is a procedure for evaluating the likelihood that a given dataset corresponds to a particular "null" model. Formally, all hypothesis testing scenarios can be described as follows.
Let , for be a random variable, where each is sampled independently and identically according to some distribution . Realizations of are . We further assume that , that is, is a distribution that lives in a model . Moreover, we partition into two complementary sets, and , such that and . Given these definitions, all hypothesis tests can be written as:
\begin{align} H_0: F \in \mathcal{F}_0, \qquad H_A: F \in \mathcal{F}_A. \end{align}
Note that a hypothesis can be either simple or composite: according to wikipedia, simple hypothesis tests are "any hypothesis which specifies the population distribution completely," whereas composite tests are "any hypothesis which does not specify the population distribution completely." Given this, we consider four different kinds of hypothesis tests:
Simple-Null, Simple-Alternate (S/S) \begin{align} H_0: F = F_0, \qquad H_A: F = F_A. \end{align}
Simple-Null, Composite-Alternate (S/C) \begin{align} H_0: F = F_0, \qquad H_A: F \in \mathcal{F}_A. \end{align}
Composite-Null, Simple-Alternate (C/S) \begin{align} H_0: F \in \mathcal{F}_0, \qquad H_A: F \in \mathcal{F}_A. \end{align}
Composite-Null, Composite-Alternate (C/C): \begin{align} H_0: F \in \mathcal{F}_0, \qquad H_A: F \in \mathcal{F}_A. \end{align}
Each of the above can be re-written in terms of parameters. Specifically, we can make the following substitutions:
\begin{align} F = F_j \Rightarrow \theta(F) = \theta(F_j), \qquad F \in \mathcal{F}_j \Rightarrow \theta(F) \in \Theta_j, \end{align} where .
Note that composite tests (those where the null or alternate is composite) can be both one-sided or two-sided. In particular, the simple null hypothesis can be restated: . Given that, a one-sided simple/composite test is:
H_0: F - F_0 = 0, \qquad
Of course, we could just as easily replace the in the alternate with .
The two-sided composite test can be written:
H_0: F - F_0 = 0, \qquad
H_A: F - F_0 \neq 0,
or equivalently,
H_0: F = F_0, \qquad
H_A: F \neq F_0.
In other words, the simple null, two-sided composite is equivalent to a test for equality (see below).
Thus, there are essentially three kinds of composite hypotheses:
- one-sided,
- two-sided, or
- neither (e.g., the alternative is a more complex set).
Independence Testing
An independence test is one of the fundamental tests in statistics. In this case, let . Now we test: \begin{align} H_0: F_{X,Y} = F_{X} F_{Y} \qquad H_A: F_{X,Y} \neq F_{X} F_{Y}. \end{align}
In other words, we define as the set of joint distributions on such that the joint equals the product of the marginals: , and we define as the complement of that set, . Independence tests are special cases of C/C tests.
Two-Sample Testing
Let , for be a random variable, where each is sampled independently and identically according to some distribution . Realizations of are .
Additionally, let , for be a random variable, where each is sampled independently and identically according to some distribution . Realizations of are .
Given these definitions, all two-sample testing can be written as:
\begin{align} H_0: F_1 = F_2 \qquad H_A: F_1 \neq F_2. \end{align}
This can be written as an independence test. First, define the mixture distribution , where and . Now, sample for times. To make it exactly equal to the above, set . Moreover, define to be the latent "class label", that is if and if . Now, we can form the independence test:
\begin{align} H_0: F_{UV} = F_U F_V \qquad H_A: F_{UV} \neq F_U F_V. \end{align}
Moreover, two-sample tests can also be written as simple goodness-of-fit tests, which is readily apparent, as described below. Thus, simple goodness-of-fit tests are also independence tests.
Goodness-of-Fit Testing
The most general kind of a goodness-of-fit test is a C/C test: \begin{align} H_0: F \in \mathcal{F}_0 \qquad H_A: F \notin \mathcal{F}_0. \end{align} In other words, .
The S/C goodness-of-fit test is a special case: \begin{align} H_0: F = F_0 \qquad H_A: F \neq F_0. \end{align}
This special case is clearly an instance of a two-sample test; the only difference is that the second distribution is not estimated from the data, but rather, is provided by the null.
K-Sample Tests
More generally, assume there exists different distributions, , the K-Sample test is:
\begin{align} H_0: F_1 = F_2 = \cdots = F_K \qquad H_A: \text{any not equal}. \end{align}
We can do the same trick as above, defining to be a mixture of distributions, and denotes from which component is sample . Thus, -sample tests are also independence tests.
Paired K-Sample Testing
Let and be defined as above, except now we sample matched pairs, . The paired two sample test is still: \begin{align} H_0: F = G \qquad H_A: F \neq G, \end{align} but there exists more powerful test statistics that consider the "matchedness". Of course, this also extends to the -sample setting.
Note that this is a special case of -sample testing, and thus is also an independence test.
Test for Symmetry
Assume we desire to determine whether the distribution of is symmetric about zero. Define as the half of the distribution that is positive, and as the half that is negative. Then, we simply have a typical two-sample test: \begin{align} H_0: F_+ = -F_- \qquad H_A: F_+ \neq -F_-, \end{align} which is an independence test.
Multinomial Test
Assume Multinomial, and let: \begin{align} H_0: p_1 = p_2 = p_3 \qquad H_A: \text{not all equal}. \end{align}
This is again a sample test, which is an independence test.
Considering a slightly different case: \begin{align} H_0: p_1 = p_2 \qquad H_A: p_1 \neq n_2. \end{align} This is a slight generalization of the above, but can still be written as a sample test, and is therefore an independence test.
One Sided Test
Assume , and consider the following test: \begin{align} H_0: \mu = 0 \qquad H_A: \mu \neq 0. \end{align}
This is a two-sample test, and therefore, an independence test. A slightly more complicated variant is: \begin{align} H_0: \mu < 0 \qquad H_A: \mu \geq 0. \end{align}
Viewing this as an independence test is a bit more complicated. In particular, if we set it up as the above two-sample test, and we reject, it could be because or because . However, in practice, it is difficult to address. Letting our test statistic be , we consider four scenarios:
- If , and we reject, then we know that is significantly below , and therefore, we should not reject the real null.
- If and we fail to reject, then we have failed to reject our original hypothesis, and we are ok.
- If , and we reject, meaning that is significantly above , and therefore we are safe to reject the null.
- If , and we fail to reject, that means is not significantly bigger than zero, but we cannot reject the original null.
Thus, we can use the test for whether , probably at a fairly severe reduction in power, but nonetheless, maintain a valid test.


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San Francisco Xochicuautla, Lerma, State of Mexico – July 8, 2015 – From June 18 to July 7, 2015 the indigenous community of San Francisco Xochicuatla, Lerma was besieged by workers of the company "Autovan S. A de C. V", who are permanently guarded by state police—staff of the state government and ministerial police.
For the umpteenth time the Otomí Indians of Xochicuautla resisted the onslaught of government forces and a company that is committed to imposing a highway megaproject which, if carried out, will split in half their ancestral lands and sacred places.
Xochicuautla has maintained a peaceful civil resistance to this project, concessioned to the subsidiary Grupo Higa, since 2007. For years, they have pursued legal action and various mobilizations which have sought the definitive cancellation of this act of aggression against nature and the lives of indigenous peoples in Mexico.
In May 2013 and November 2014 the indigenous community suffered arrests of several of its members by the imputation of "opposition to public works"—young people and older adults were arrested and transferred to the city of Toluca to intimidate the resistance. Fortunately, the arbitrary acts couldn't be sustained and the people regained their freedom almost immediately.
In spite of the legal remedies filed, the lack of free, prior and informed consent with the indigenous population, and the environmental damage that would result from the work, the company Autovan S. A. de C. V. and the government insist on imposing it with sticks in hand—ignoring state and national-level calls for its cancellation and the initiation of dialogue with the community.
In the face of this situation, the Center for Human Rights Zeferino Ladrillero decided to monitor and maintain a permanent presence in the community to see directly the offenses of the Mexican authorities and the company in question.
Through our civilian observation, we have verified that the Otomí indigenous human rights defenders are at a high risk of being physically assaulted and unjustly detained/arrested for their work in defense of indigenous peoples and the environment. We also observe that there are no signs of willingness on the part of both the government and company to respect the decision of the Otomí people.
This is why we believe it is vital to make public the knowledge that the State of Mexico is preparing a new imposed repression—unless national and international civil society, social organizations, and individuals do what is within their reach to avoid it. It is with this understanding that this Center for Human Rights calls the attention of all organizations, villages, and people to support the worthy resistance of the people of Xochicuautla.
For our part, we will strengthen our observation in the territory and we will support the indigenous people in educating international institutions and organizations about the difficult situation facing indigenous human rights defenders in the state of Mexico.
Since we became organized as a civil society organization, in order to participate in the defense of human rights in the state of Mexico, we are convinced that human rights are a tool that must be available to the emancipation of indigenous peoples. Today the struggle of Xochicuatla reinforces and strengthens our determination, because it is precisely in the struggle of the indigenous peoples and communal peoples where the construction of a world with human dignity is birthed.
Indigenous Peoples are putting their bodies on the line and it's our responsibility to make sure you know why. That takes time, expertise and resources - and we're up against a constant tide of misinformation and distorted coverage. By supporting IC you're empowering the kind of journalism we need, at the moment we need it most.


text:
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This is probably the last Turner Gill Photoshop
Unless we play KU
First and foremost was the departure of Zach Maynard, not the right Quarterback for the incoming offense, or the incoming staff he spent January trying to ride his brothers coat tails to a big name school. Well CAL has their new star defensive back/receiver and his towel boy it will be interesting to see how well Maynard handles the academics at CAL.
Then there was the expected hesitation on the part of players who committed to Turner Gill's UB Bulls deciding if they wanted to play for Jeff Quinn's Bulls.
- James Potts Visited Vanderbilt and Cincinnati
- James Gaines decommitted from Buffalo and went to Miami (FL)
- William Robinson Started to revisit schools
- Okoye Houston also started to revisit universities he had passed by
On the whole I don't think that Quinn can be faulted for vast majority of the carnage that happed this past month, every coaching change brings with it changes and given how much a recruiting force Turner Gill was seen as being the fact the class held up so well under Quinn speaks volume for what this staff may be able to do with a full year to scout and their own agenda.
So, Who are this years new UB Bulls?
The UB Quarterback situation is easily the one that has seen the most change between December and signing day. After the clock expired against Kent we knew, almost without a doubt, that Maynard would be starting in 2010. When UB brought in Jeff Quinn, a straight spread guy to replace the spread option that Gill was crafting the odds of Maynard starting sell off a bit, the tools he possessed that set him apart from Davis were suddenly not so important, and the weaknesses he showed (touch, accuracy) were suddenly far more important.
Removing the option component of the offense meant that Quarterback speed, and ability to throw on the run was no longer as important as accurate touch passes and a quick accurate release. Either Maynard saw the writing on the wall and did not want to fight for his job or he just decided that if he needed a fresh start he wanted to pick the coach.
What ever the reason it changed the recruiting picture for quarterback at UB, the team needed and had, one solid recruit and three returning quarterbacks (Sophomore Jerry Davis, Junior Zach Maynard, and Junior Cory Jorgensen). With the departure of Maynard UB needed to add another QB to this class and Quinn manged to pull one in within a week of Maynard bolting.
Rudy Johnson
Rivals: 2 StarScout: 3 Star
Other Offers: None
Johnson committed to UB very early in the summer, he is a very talented athlete who made the roster for the 'Crab Bowl' (Maryland's High School All Star Game). Scouted as being very illusive with impressive arm strength he seems to fit the mold of Zach Maynard physically but seems to be a harder worker and more willing to adjust his game for Quinn's system.
Rivals: Two Stars
Scout: Two Stars
Other Offers: Air Force, Bowling Green, Toledo
The first time Zordich's name came up is when he committed to UB in late January. The feeling I get is that this is someone who was on Quinn's Radar at Cincinnati but may not have been on par with the type of QB they offer. There are articles out there indicating that coming into this season he was drawing some interest from big name schools
"The list of schools sending mail and showing interest in Alex includes Penn State, Northwestern, Kansas and Cincinnati. --Bill Kurelic, NN Recruiting
Position Grade: (B+) Got the numbers we needed (2) and the Quality is on par with, or above, what a mac schools should expect.
Johnson is a top shelf athlete and to top it off he seems to have his head on right when it comes to academics. He has all the tools to be a successful quarterback but he also has the speed, and the smarts to play other positions (similar to the moves made by Naaman Roosevelt and James Starks)
Zordich is a nice fit because (1) Quinn has already scouted him for the type of offense that he is bringing in and (2) he has had success at one of the more respected high school football programs in Ohio. Some have made much of his lineage; His father, Mike Zordich, played for Penn State and had a good NFL career with the Philadelphia Eagles. His brother, Michael, is now a reserve linebacker for Penn State.
Running Backs:
UB has a ton of depth at running back, while the move to Quinn's offense is going to mean whoever is at tailback will have a more prominent roll in the passing game (hence crisper routs and better hands) the change is not as dramatic as it is at QB. UB will be lead by seniors Ike Nduka and Brandon Thermilus but Sophomore Jeffvon Gill proved his worth last season.
Rivals: Three Stars
Scout: Three Stars
Other Offers: Vanderbilt, Colorado State, Florida International, Indiana, Louisville, Memphis, Northern Illinois, Rutgers, and Michigan State.
Easily the bright spot of 2010's recruiting class UB fans had a scare when Turner Gill left and Potts started paying visits to other schools. The Florida prospect is ranked #24th nationally by Rivals and #85 by scout Potts had offers from six BCS schools and several from his home state of Florida. That Quinn managed to hold him through a turbulent January is huge.
Position Grade (A)
UB is losing two players after 2010 and we are bringing in two this year, on top of meeting out numerical requirements, and positional requirements under the new offensive system UB is also bringing in a huge talent in James Potts.
Were Gill still here I would be nearly 100% sure Potts would see the field next season (weather or not he would start over Nduka is less than certain). I still have not seen any evidence of how Quinn treats the redshirt but if he is anything like Gill Potts will likely see playing time.
Wide Receivers:
The losses at wide out are huge. UB's leading returning receiver, Terrell Jackson, has just 26 catches. There is talent in the cupboards, but nothing proven. Given the lack of experience, and the loss of Tight End Jessie Rack the more options UB goes into next season with the better.
Terrell Jackson, Career
2007 | 1 | 5 | 5.0 | 5 | 0 |
2009 | 25 | 250 | 10.0 | 39 | 0 |
The big focus has to be guys who can fit into a four or five receiver set and be a treat to an isolated defensive back. Nice sharp routes and good hands. They also need to be more disciplined blockers in a system that employs as many screens and short passes as the UB offense will look to employ.
Scout: Two Stars
Rivals: Three Stars
Other Offers: None
Hughes has pretty good size at 6'1" and 190 pounds. He also runs a 4.5 40, this is decent speed for a MAC receiver. Hughes had been invited to several combined and was seen by many as a good sleeper commit to Buffalo.
His size and speed make him a great fit for the new offense, and a potential first year contributor.
Scout: 2 Stars
Rivals: 2 Stars
ESPN: 3 Stars
Dixon's name popped up on signing day, A speedster out of Georgia (4.4 40) he was scouted, but never offered, by Auburn and UCF. He missed most of his Junior year due to injury but had respectable numbers during his senior outing (Dixon was among county leaders in receptions last year with 47 catches for 539 yards and five touchdowns).
Cortney Lester
Rivals: Two Stars
Gridiron Studs Calls Lester: Explosive, big play making wide receivers with outstanding hands, quick feet and great speed. Led Everglades Gators to the playoffs in 2009. Awesome in the return game running back both punts and kickoffs. Very dangerous in space. Can turn the short route into a home run and can beat you deep. One of the most underrated prospects in the state of Florida.
Rivals: Two Stars
Hopkins, SC
6-0 180
Last day recruit out of South Carolina, I cant find too much on him other than an article about his teams game against a local rival in the Columbia Star:
"The Skyhawks answered immediately, using only six plays themselves to retaliate with a 9–yard Nidiffer– to–Walters pass
Whalen completed a pass to English, who was forced into fumbling by Walters, and Beach Corontzes recovered for the Skyhawks. Two plays later, Nidiffer found Walters for his third touchdown of the evening, an 11–yard completion to make the score 43–20.
Walters caught seven passes for 193 yards and three touchdowns. Mac Whalen threw for 187 yards in his final game for the Highlanders." -- Columbia Star
Adam Redden
Rivals: Two Stars
Scout: Two Stars
ESPN: Two Stars
A local recruit who made the all NY team and finished his season with 100+ Tackles. ESPN called him "an intriguing prospect to evaluate as he is a two-way standout at the high school level at both outside linebacker and receiver". Redden has room to grow and is an incredible athlete and despite his defensive credentials Coach Quinn has him listed as a Wideout.
Jansen Carlson:
Rivals: Two Stars
Scout: Two Stars
ESPN: Two Stars
A local recruit who made the all NY team and finished his season with 100+ Tackles. ESPN called him "an intriguing prospect to evaluate as he is a two-way standout at the high school level at both outside linebacker and receiver". Redden has room to grow and is an incredible athlete and despite his defensive credentials Coach Quinn has him listed as a Wideout.
Position Grade (B+)
Devon Hughes is a huge addition but for something higher than a B+, with UB's needs, I would have hoped for two or three more of him. Maybe Dixon is that second guy, ESPN seems to think so, but the senior numbers are jaw dropping stats. Perhaps he had a ton of talent on his team to spread the wealth with, maybe he was banged up. We will find out in spring ball.
Tight Ends:
I don't remember the last time that a tight end played so prominently in our offense as when Jessie Rack was running loose last season. I do know that Coach Shorter has indicated in the new offense that's exactly what we are going to be looking for. The only tight ends on the rosters who have really seen the field are both seniors so pickups this year are very important.
Burton passed on scholarships from ECU, Cincinnati, and others when he had to use a prep school. After just one year of work he is ready to jump up and Coach Quinn has offered him a chance with Buffalo.
He is a quality pickup who's size hands and speed make him a perfect fir for the spread offense. If he does not snag the starting spot this year he will probably see significant playing time.
Position Grade (B+)
Turner Gill owns none of this, its all on Coach Jeff Quinn, UB had no tight ends committed by December and to his Credit Quinn brought in one for this year and got a verbal for 2011.
Offensive Line:
Losing Robert Colpoys and Andrew West was huge, the fact UB will lose three more after this season (I am counting Bittner twice) is another setback. This years class of recruits needed to be a physical upgrade from the Lines UB has been fielding. There has been a steady increase in the quality of Offensive lines UB has been fielding and if this program is to become a team who is always in the mix that has to continue.
Rivals: 2 Stars
Scout: 2 Stars
Scout: 2 Stars
One of the very early recruits to UB, Jeff Veinotte was one of the better linemen in all Canada. The 6-5, 310 pound tackle may have a slight learning curve (I am assuming Canadian High Schools play by CFL rules) but he is defiantly physically talented enough to take on the role.
Scout: 2 Scouts
Carlson was one of the first recruits that Coach Quinn went to lock down after he had finished assembling his coaching staff. The NY First team all state lineman helped Jamestown to back-to-back state Class C titles.
He is a lean 6-3, 300 pounds possessing both a frame capable of putting on more mass and has impressive mobility for a player his size.
Position Grade (B-)
Great on quality not so much on quantity. The argument can be, and has been, made the UB stacked up last season so this season the need was not so big. Given we are losing Bittner after this year I think the depth, going into 2011, may be a huge issue.


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Condo sales at the 15-story, 157-unit Lovejoy Wharf building between the Zakim and Charlestown bridges have been underway now for about two months.
New arrivals on the region's multiple-listing service provide a handy glimpse at both the condos' interiors and their prices (which start at $750,000 and race upward).
Pictured here is Unit 6K, a 1,365-square-foot two-bedroom, two-bathroom. Its $1,495,000 price tag brings with it access to amenities such as a concierge and a fitness center.
It does not include on-site parking—which makes the whole thing kind of revolutionary for Boston. Lovejoy Wharf is the first large-scale residential development in the city's downtown not to include such parking (though others have quickly followed).
Lovejoy Wharf buyers will, however, be able to rent parking spaces at the under-construction Beverly at 101 Beverly Street nearby. Developer Related Beal is building both.
- Boston developments without parking: It's a trend! [Curbed Boston]
- Lovejoy Wharf sales now underway: $750,000 and way up [Curbed Boston]


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[dollars key="0″]
Hard Money Lender FL Orlando
What's hard money loan?
A hard money loan is a loan given to a borrower from a lender based mostly on the worth of the asset that is collateralized that is underlying. Traditional banks and lenders focus chiefly on income and the credit of the borrower where asset based lenders aka hard money lenders focus mainly on the worth of the asset used as collateral for the loan. Where conventional loans are generally for 15–20 year terms, hard money loans are used as a short-term option (1–3 years usually) as a bridge to acquire a rehab, or stabilize a commercial, retail, office, industrial, multi–family, or single family residential dwelling.
Why exactly would a person pick a hard money loan (asset–based loan) over a conventional loan offered by a bank with lower rates?
There are many reasons why a borrower would choose to use private funding or a hard money loan over a cheaper traditional financing: (1) Quick Funding– conventional banks take a minimum of 45 days to finance one family residential loan, any where between 60–90 days to finance a commercial loan, and over 120 days to finance a development loan. Whereas, a hard money loan is generally funded within 7–14 days. (2) Property Requires Work– because of the conventional bank's really conservative underwriting guidelines, most will not lend on properties in need of repair. Nonetheless, a private lender will be pleased to give on a property that either lacks cash flow or needs physical advancements so long as the borrower has enough "skin in the game" (equity). For instance, a loan secured by a property in need of repairs is really rarely funded by banks before it can be used; so the borrower will use a hard money lender rehabilitate and to purchase the property, and then settlement the hard money loan with conventional lending. Another example would be a commercial property that has no tenants… a bank won't loan until the property is leased up. Yet, short term funding will be provided by a private lender to the borrower to purchase the property and lease it up to stabilization. Once the property is stabilized for a period of time that is specific, the hard money loan will be refinanced by a commercial lender with conventional lending. (3) Not based exclusively on credit or income– Traditional banks rely greatly on a borrower's credit score, previous income, and ability to repay the debt. Hence traditional banks for normal lending consistently turn down even quality borrowers including physicians, lawyers, and attorneys who have high incomes but also have a lot of debt. Therefore, there's an enormous requirement for private lenders who look at the value of the underlying asset when compared with the amount of the loan versus the borrower's credit history. At Capital Funding Financial, we base our funding decision chiefly on the LTV (loan to value). We normally look for a 50% – 65% LTV in our loans. What that means is we usually lend 65% out of the appraised value of the property to the borrower.
What are the interest rates involved in hard money loans?
The rate by the lender is dependent on looking at a mix of variables for example: (1) loan to value ratio, (2) borrower's credit score & income, (3) the property state and location, (4) borrower's "skin in the game" (sum of cash equity in the property). At Capital Funding Financial we offer the lowest rates around starting at 8.9%*
What are the fees involved with asset based lending?
Hard money lenders charge a loan origination fee of 3% to 5% of the loan amount. Various fees for file preparation will then charge by a lawyer, evaluation fee from an unaffiliated appraiser, financing processing fee, and an application fee. Capital Funding Financial offers straight forward terms without each of the crap fees that are concealed and costs an incredibly low origination fee of merely 2%*
Can the loan fees be paid from your loan proceeds?
Yes there's a big enough equity cushion in the real estate. Most of the time each of the fees (other than the application fee) are paid from your actual loan earnings.
Will there be a pre payment penalty with hard money loans?
Normally hard money lenders in Orlando Florida implement a 3–6 month minimum interest condition. For instance, with a 6 pre-payment fee, if the borrower were to repay the loan in 3 months, there would be 3 extra months of interest due. This condition is put in place so your lender receives a small return for the time, hassle and allocation of its funds to your borrower. If the loan is repaid by the borrower after half a year, subsequently no pre payment penalty will be issued.
How fast can a typical hard money loan close?
At Capital Funding Financial, we're a direct lender and have the ability to close loans within a few days when given a complete loan package (credit report, income documentation, independent assessment, title commitment). The typical deal takes about 1 to 2 weeks to fund as an independent appraisal and title report need to be run on the property.
When employing is an appraisal required?
Yes, hard money loans usually demand an assessment, broker price opinion, or comparative sales analysis. On the subject property, an independent appraisal is ordered by us at Capital Funding Financial.
When completing flip or rehab project & a repair, what will the hard money lender require?
Well besides the obvious 35–40% equity cushion, the lender will want to see the extent of work described with a cost analysis worksheet and timeline. The lender uses this as helpful information in releasing funds for rehab purposes. Nothing ever goes as intended when performing a rehabilitation; therefore the lender will need to see the borrowers experience in performing or managing real estate repairs. The lender require an inspection to be made after each draw is complete and will release funds in draws for such repairs that are listed. The lender will also require a credit report and income statement in the borrower to show that the borrower has the ability to repay the loan. Nonetheless, hard money lenders focus primarily on the asset value of the security and never the credit score.
If you're looking for a hard money loan for a rehab, fix & flip, or investment purpose, contact us today at 954-320-0242 or toll free at 1–866–695–0092 or visit Hard Money Loan for more advice.
Click here Note Investing for more info.
Capital Funding Financial Mortgage Notes:
Borrower- https://capitalfundingfinancial.com/floridahardmoneyloan
Investor- https://capitalfundingfinancial.com/hardmoneyloaninvesting
Post source: http://capitalfundingfinancial.com
Orlando Florida Hard Money Lender


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One of the most convenient and cost-free methods of making phone calls is with the help of the Android app O Dialer Apk. There is no need to recharge or add money to use O Dialer Apk. The user only needs access to the internet to make the call.
If you're not an Indian citizen, you won't be able to get O Dialer Apk. If you don't meet those requirements, your time spent here will be wasted. It works with any and all cellular service providers, including Jio and Airtel. Any user with access to an Android device can use this app after installing it.
Users will need to create an account in this program before they can accomplish this. In order to sign up, all you need is an email address and a few pieces of basic information. The app is completely costless once the setup is finished. Fast internet speeds will get you quicker access.
There are three primary sections of the O Dialer Apk's UI, which is reminiscent of a conventional dialer. The first is the dialer, which allows the user to make calls to any number by hand. The second part of this article is devoted to the people you can get in touch with using your various gadgets.
The O Dialer app allows you to access your phonebook, making it simple to look up and dial numbers. The final part contains all the information regarding your call log history. All of your call logs are displayed in exhaustive detail.
About the O Dialer APK
The general public often lacks clarity on crucial matters. Is there a similar app that anyone else could use? Also, how does this relate to your account? For this reason, we'd like to stress that it's not required for both devices to have the app installed in order to make outgoing calls; however, it is important to have the app on the device itself.
To respond to your second question, no, the application will not cost you anything and will not deduct anything from your account. It will consume data if you are connected to the internet via a mobile data plan. Pop-up advertisements are one potential annoyance for users. You may find the abundance of advertisements distracting.
O Dialer App has been in the news, yet it is still available for purchase. As soon as the mode is ready, we'll make sure everyone knows about it. Ads will be displayed unless you pay for a premium account till then. This software includes the premium feature, too.
There is a lot more to discover in O Dialer Apk. All you have to do is get this software, install it, and start playing around with it. Please let us know if you are having trouble logging onto this application.
A lot of money is made each month on a number of different platforms, as you probably well know. But what most individuals don't realize is that their wasteful spending on communication is part of that waste. One of the fastest-evolving industries due to technological developments is communication.
As more and more tools for maintaining constant contact are developed, the area of communication is expanding at a rapid pace. However, customers are disappointed due to the fact that each app has unique restrictions. Telecommunication services are often preferred because of the convenience they provide for those trying to get in touch with one another quickly.
Exactly how can I get my hands on it and get started?
Click the button above to begin O Dialer APK. You can find the APK Cloud on your browser's "Downloads" page after downloading. Before you download and install this software, which can be obtained virtually anywhere on the internet, make sure that third-party apps are permitted on your phone. Based on your browser's preferences, a confirmation window will pop up.
The next several steps all boil down to the same thing. Look for the option to install apps from sources other than the Google Play Store or APK grandapk.com under the menu, settings, security, and unknown sources. You can access the downloaded file by clicking "Download" in your browser and then tap the file once. Install it on your phone, and then use it. Please be patient as the content loads in that area. This option is available in your Android Aperte O Plays security settings, so tap the button to start it.
Do you want to be able to manage the installed applications on your device? If you wish to do O Dialer you want with your installed apps, you can get the O Dialer APK by following these simple steps:
Step 1 -The first thing you need to do is click on the "Download Now" button.
Step 2 - Open the File Manager: Your download will begin as soon as you click the Download button. Go ahead and open a file manager and look for the APK Cloud file inside that directory.
After downloading this APK Cloud file, you must enable unknown sources because it is a modified version of the original O Dialer APK. Since this is a third-party application, there is no way to install it on an Android phone.
Step 3 -Tap on the APK Cloud file you obtained for O Dialer APK to begin the installation process. Now that the app has been installed, you'll be able to use it.
Step 4 -It's now time to open the O Dialer APK on your phone. To begin using the program, simply click on it.
Directly obtaining the O Dialer APK File has both advantages and disadvantages.
Using the third-party website, you can download any version of the application. It is possible to download the program archives for most versions and use them as you choose.
Unlike the Play Store, you don't have to wait for the app to be reviewed before you can download it.
An APK Cloud file will be downloaded to your device's memory card or system memory. As a result, you don't need to download anything to delete and reinstall them several times.
Google does not routinely inspect apps downloaded from outside the Google Play store. That's why it's dangerous for your phone.
APK Cloud files may be infected with viruses that might steal your Aperte O Plays data or cause it to malfunction.
Because they don't normally have access to the Google Play Store, your apps will not automatically update.
Frequently Asked Questions [FAQs]
Ques. How do I keep O Dialer APK up to date?
Ans. Automatic updates will not be available since the O Dialer APK is from a third-party developer. As a result, you must manually update the app by uninstalling the previous version and installing the new one.
Ques. Is it necessary to use a VPN with the O Dialer APK?
Ans. Even though it is a secure program, using a VPN is highly suggested and advantageous.
Ques. Is it safe to use?
Ans. We ran this app through many anti-virus software tools and found no viruses, thus it is completely safe to use.
Ques. Is it possible to utilize it for free?
Ans. Yes! You can download and use the app for free. It also does not necessitate a subscription or registration.
Ques. IS IT LEGAL TO USE O Dialer APK?
Ans. We are unable to comment on the application's licensing since O Dialer APK distributes content that may be subject to copyright infringement or is not in the public domain.
It is the end users' obligation to use the app wisely and judiciously. Before starting any kind of download through the app, we recommend signing up for a reliable VPN provider.
This review must have addressed all your questions concerning the O Dialer App. Download and enjoy this wonderful app for Android and PC now. If you appreciate the O Dialer App, please share it with your friends and family.


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Clearview Tree and Land Corp. is the BEST CHOICE when it comes to tree and land services. We have been providing our services to residents in Nassau County, Suffolk County, Queens, Brooklyn, the Bronx, Manhattan, Staten Island, and Westchester, for over 15 years.
We offer the best in tree removal, tree pruning, stump grinding/ removal, tree planting, landscape installation, mulch installation, and more. Our experts are professional and reliable. Clearview Tree and Land offers the most competitive pricing as well.
Our company is fully licensed and insured and has certified arborist on staff. We offer free estimates to both commercial and residential property owners in NYC and Long Island.
Call Clearview Tree and Land today to receive a free quote! (888) 808 4777


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This is Research; Tranum: CleanCube Project
Tranum, Sarah This is Research; Tranum: CleanCube Project. OCAD University Office of Research & Innovation.
Other (The "This is Research" campaign demonstrates how OCAD's diverse faculty are engaging with new forms of knowledge, materials and ideas at the forefront of research and creative practice.)
ThisIsResearch_Cleancube Tranum.pdf - Other Download (293kB) | Preview |
The CleanCube Project is built on a holistic model designed to provide an accessible, affordable source of clean water to people who need it most.
Currently in the prototype stage, the CleanCube product is a dissolvable cube made of natural plant-based material that can be added to stored drinking water to kill 100% of E. coli bacteria. This product is part of a larger system that includes small batch production, community-based education, alternative marketing and distribution strategies, and appropriate pricing that fit the realities of CleanCube's target users.
The image on the left above is from a community-based education event. The CleanCube research team developed a narrated story that was projected onto a backdrop. Using storytelling, music, traditional dance, and magic tricks, the success of this pilot event proved that this approach is a powerful medium for education and capacity building within the community.
The image on the right above is from a children's activity book created based on this same story. The book is part the CleanCube Ambassador Kit. Meeting with women in their homes, Ambassadors demonstrate safe water handling practices including how to use the CleanCube product to remove bacteria from water. Ambassadors connect daily water usage to sacred traditions and underscore the importance of clean water.
The goal of this systems approach is to create a fully sustainable model that can create social and economic impact. The CleanCube model is designed to reflect the local community while also allowing to be adapted and implemented in other communities to order reach measurable scale over the long term.
Item Type: | Other |
Uncontrolled Keywords: | community based education, clean water, women's empowerment, systems design, participatory design, human-centered design |
Divisions: | Faculty of Design |
Date Deposited: | 15 Apr 2020 21:35 |
Last Modified: | 20 Dec 2021 21:30 |
URI: | https://openresearch.ocadu.ca/id/eprint/2924 |
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If you missed my last post, let me catch you up by telling you that I'm once again experiencing severe depression. Yes, I will be seeing someone for it (only admitted it to myself yesterday), and yes, I have excellent coping mechanisms in the meantime, which is what I'm telling you about today. **Note: These tips do not replace professional counseling or, in some cases, medication.**
First Tip: Make A Schedule
Last night, my boyfriend made me make a list of things I needed to do today. He added things, including "get up no later than 7," "workout," and "write or paint" (which is partially why I'm writing this blog).
Second Tip: Find Someone to Hold You To It
In my case, my boyfriend made sure I was up, that I worked out, and helped me when I couldn't make a decision on what to do next, even with the list right in front of me. (That indecisiveness is one of those side effects of depression that nobody talks about.) However, it takes a village, and I have four people close to me who know my diagnosis and are helping me cope.
Third Tip: Go Outside
My boyfriend and I made sure this was part of my schedule. If it's sunny, this could mean taking work out onto the porch to do. But even just getting outside to go get groceries gives you a small dose of Vitamin D and some movement.
Fourth Tip: Work Out
This is what my boyfriend had me do first thing when I got up. Not because he wants me to look a certain way, but because he knew what I'm about to tell you: Exercise releases endorphins and endorphins help fight depression.
Fifth Tip: Connect
Making connections with people, even meaningless little jokes with your cashier, can help lift your mood. If at all possible, do this in person - handshakes, hugs, and other physical touch can be very good for you. However, even on-line can work if it's a connection with a genuine friend who you actually have honest conversations with on-line.


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Cornerstone's Health & Safety Expert Takes on Vice Chair Role at the Mast and Tower Safety Group
Tuesday, 21 January 2020
Cornerstone's Head of Assurance, Safety & Risk, Andrew Alexander, has taken on the role of Vice Chair at The Mast and Tower Safety (MATS) Group to coincide with his current role. The objective is to make positive changes to health and safety within the telecoms and broadcast industry.
Who are MATS group?
The MATS Group consists of organisations that own or manage masts and towers (including all telecoms and broadcast structures) where there are specific and significant work at height and occupational radio frequency (RF) hazards. The group aims to raise awareness in health and safety and provide jointly agreed minimum standards and solutions for the industry.
Delivering Excellence
In his newly appointed role, Andrew will be integral in addressing health and safety concerns within the industry. Using his expertise and leveraging off his position at Cornerstone, he will support the MATS Group with innovative solutions that will benefit organisations and individuals when working with masts and towers whilst also supporting the MATS Chair person.
The importance of health and safety
Health and safety is the highest priority for Cornerstone and is at the forefront of everyone's mind. We work with our stakeholders and interested parties to share best practices and try to innovate together. Using governance information gathered, as well as customer and partner suggestions, we take steps to improve the health and safety across our estate, a site at a time.
"Taking on this new role is a great opportunity to be able to knowledge share across the industry and work together to build a safer environment for everyone who is involved with masts and towers. I look forward to exploring new initiatives and ideas that will not only help Cornerstone but the whole industry." Andrew Alexander, Head of Assurance, Safety & Risk, Cornerstone.


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Issue |
EAS Publications Series
Volume 1, 2001
AGN in their cosmic environment
Page(s) | 173 - 173 | |
Section | Short Communications or Posters | |
DOI | https://doi.org/10.1051/eas:2001019 | |
Published online | 22 November 2011 |
AGN in their Cosmic Environment
B. Rocca-Volmerange, and H. Sol (eds)
EAS Publications Series, 1 (2001) 173–173
B. Rocca-Volmerange, and H. Sol (eds)
EAS Publications Series, 1 (2001) 173–173
Binary Black Holes in Galactic Centres
The dynamics of a massive binary System in a galactic nucleus are presented. These are the first results from simulations applying a hybrid "self consistent field" (SCF) 1 and direct Aarseth N body integrator (NBODY6) 2, which synthesises the advantages of the direct force calculation with the efficiency of the field method. The code is aimed for use on parallel architectures and is therefore applicable for collisional N-body integrations with extraordinarily large particle numbers (> 105). It opens the perspective to simulate the dynamics of globular clusters with realistic collisional relaxation, as well as stellar Systems surrounding a supermassive black hole in galactic nuclei.
© EAS, EDP Sciences 2002


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I can't believe where the time has gone these past few months. The business as a whole is steady. I was expecting a huge change in proceedings with the UK leaving the EU at the end of this month after a very confusing period. However, working directly with the growers and the huge involvement they have in the UK an easy and sensible plan has taken shape so essentially it is business as normal. My first official Christmas for the business and as always great support from my local customer base. The monthly flower subscription plans are growing each month and with the demand for wreaths and Christmas trees in full swing this has kept me occupied. I enjoy the monthly subscriptions. It is always fulfilling to see familiar faces and catch up with people during these testing and difficult times. A familiar face during this cold and dark months always helps. Even more so when a big and beautiful bouquet is being presented to you.
I will be carrying the business on up to Christmas Eve and even have a few requests for New Years Eve including a small intimate wedding and a 65th birthday present.
I think that during these testing times a bouquet of flowers from a friend or relative really helps lift people. I always do my best to ensure that people get a great bouquet of fresh healthy flowers delivered personally to their door by me for that extra personal touch and reassurance that you are getting a good quality product with your hard earn't money. What makes me different is that people can send 5 or 6 bouquets to friends and relatives for well under £100 inc vat and no local delivery charge. A lot of the bigger more established companies will charge well in excess of this.
On a separate note, if you are alone this Christmas and Paynes Plants can help in any way then please drop me a message. We will staying at home this Christmas and not venturing to family or friends far and wide so it would be great to hear of your Christmas plans and New years resolutions.
Finally, it leaves me to say that if you haven't completed your Christmas shopping yet this year then why not sign up to a monthly subscription as a present to a friend or family member or surprise someone with a one off bouquet.


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For example in Cuba and Venezuela the governments apply rationing and maximum prices. I have studied in the history that these policies, instead of improving living standards, always bring a generalized scarcity and contribute to the development of black market.
I don't know if there exist other governments applying such policies of rationing and maximum prices, but why they continue doing this. What is the idea behind that, how do they prove these methods work?
I think they should know about the Ludwig Erhard's miracle how its know in Spanish.


text: It seems Google is still pushing forward to show their commitment to games and gaming on Android. First it was hiring a Game Developer Advocate for Android, then the purchase of LabPixies and now it is a job posting for a Product Management Leader For Games. This job is for a Google position and not completely dedicated to Android, although I'm sure it'll be a large part of the job.


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Angela Raiola, known as "Big Ang" on the TV show Mob Wives, died at age 55 in the hospital on Wednesday after a battle with stage 4 cancer, a family source confirmed to ET.
In December, ET confirmed that Raiola's throat cancer had returned.
Several months earlier, in March, a lemon-size tumor was previously discovered and removed from her throat in March 2015. Later, in June, she underwent the same procedure for the right side of her throat as well.
Raiola is survived by her sister, Janine Detore, her two children, Raquel and Anthony Donfrio, and six grandchildren. In February, the family set up aGoFundMe page to help with Raiola's doctor fees, which raised over $45,000 in two weeks.
Later in the month, Raiola revealed on The Dr. Oz Show that she had left her husband, Neil Murphy, as she continued her cancer battle.
"I felt like he never stepped up to the plate, so I was done with it," she told Dr. Oz. "Now, it's too late. I would rather be by myself. I would rather be alone."
Raiola also expressed gratitude for her children on the program, saying, "If it wasn't for them, how would I get through this?"
Source: Entertainment Tonight


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Loose Jons are available in either riveted or welded Jons. See your dealer for details about customizing your loose jon with the options available from consoles to floor inserts to storage boxes and more.
This is not an offer for credit and should be used for estimation purposes only based on the information you provided. You should not base your decision on this estimate alone. Title, registration, tax and other fees, and personal circumstances such as employment status and personal credit history, were not considered in the calculations.


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Can you imagine receiving dozens of letters from strangers every day, having your utilities cut off, or not being able to unsubscribe from certain services, all because of an unfortunate address? That's what life is like at 1234 AB, 123 (changed for privacy reasons), the address that most hackers, as well as everyday people in the Netherlands, use when filling out online forms. They do it out of laziness, or to protect their own privacy, without realizing that some of the things they do online actually affect the people at that address.
Motherboard Netherlands recently learned that 1234 AB, 123 was the most spammed address in the country, and decided to investigate if such an address actually existed. A Google search revealed that there was a indeed a place in the Noord Holland province with that exact address, and it even showed up on Streetview. They were soon able to find some phone numbers of the people living there, to ask them if living at the most spammed address in the country affected their lives in any way. Turns out it does, "bigly"!


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Preheat oven to 450 degrees.
Sift together:
2 Cups flour
1 Teaspoon sugar
3 Teaspoons baking powder
1 Teaspoon salt
Cut in:
1/3 cup Crisco shortening (until it looks like cornmeal)
3/4 cup milk
Stir with fork until smooth. Dump dough onto floured cutting board and knead it lightly 2 or 3 times. Roll dough out to 1/2 inch thickness then fold in half. Cut out biscuits. Place 1 inch apart on cookie sheet that has been brushed with butter.
Brush tops of biscuits with melted butter. Put on middle oven rack. Bake for 12-15 minutes, until brown. Makes about a dozen biscuits. Serves one!
Appetizers & Beverages ● Soups & Salads ● Main Dishes ● Side Dishes & Vegetables ● Breads ● Desserts
©Copyright 2005 Food-Recipes-Free-Online.com
►For permission to reproduce our recipes on your website, click here ◄
Pull Apart Breakfast Cinnamon Rolls
Chile 'n Cheese Breakfast Casserole
Marmalade-Stuffed French Toast
Poppy Seed Muffins with Sour Cream
Excellent any time of the year, but especially good during the fall and winter. The pumpkin flavor is rich and hearty. These are best served with our homemade "Dutch Honey" recipe. This is a rich thick syrup that will last for weeks in the refrigerator. The "Dutch Honey" is also good on ice cream!


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Liam 2 Piece Sectional, Astor
Full Price
Regular price
Package Discount
Regular price
ⁱ Package:
Spend min. $2,000 and GET 20% off + FREE Shipping + FREE Assembly + FREE Install
Eye-catching at every curve. A sophisticated take on sleek Italian design, cream linen-blend upholstery fashions an elongated crescent, bringing shapely effect to the modular sectional. Pieces can be positioned to form a large or small crescent, granting options to suit a space. Large crescent: 176.38"W x 66.5"S x 29"H. Small crescent: 150"W x 82.75"D x 29"H.
Overall Dimensions: 176.00"w x 66.50"d x 29.00"h


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Voice Over Artist
Master of Ceremonies
Keynote Presentations
Motivational Talks
Motivational Seminars
Motivational E-books
Business Consulting
Think-tank work
Social Networking Seminars
Business Plans
Simple Websites for companies and private clients
Artworks for Corporates and Private Clients
Industry Expertise (3)
Writing and Editing
Social Media
Think Tanks
Areas of Expertise (5)
Social Media Marketing
Social Media Strategy
Social Media for Writers
Social Media for Small Business
Blogging 101
Education (2)
Maritzburg College:
Durban Institute of Technology: Drama, Communication, Acting, Film, Movement 1999
After this many seminars were attended in business practices and motivational talks were attended.
Affiliations (2)
- Professional Speakers Association Of South Africa
- Ultimate Artworks Hirsch Business Networking Group
Links (4)
Event Appearances (1)
Social Media For Writing
Independent Publishers Workshop St Clements Coffee Shop
Sample Talks (1)
Social Media For Business
We first tell the delegates all about Social Media, the various social media sites and then we show them how to use Social Media for their Business as a way to get more clients or sell more products.
- Keynote
- Moderator
- Panelist
- Workshop Leader
- Host/MC
- Author Appearance
- Corporate Training
1000 to 5000
*Will consider certain engagements for no fee


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Several commentators have reported that the ruling Justice and Development Party (AKP) government's politics against the People's Democratic Party (HDP) has involved trying to criminalise the HDP in various ways, even reportedly accusing it of forcing Kurdish youth to join the Kurdistan Workers' Party (PKK).
As a vigil of mothers continues in front of the HDP's Diyarbakır building, there have been heated debates and discussions in which it has been alleged from some circles that these mothers were "paid" by the AKP government to hold this vigil in front of the HDP's Diyarbakır office. The mothers holding a vigil in Diyarbakır have allegedly been paid, these circles suggest, to ask the HDP to account for their children who joined the PKK.
The HDP had already previously issued statements that they had no links to these young people who joined the PKK and warned the public that the AKP was actively sponsoring these mothers to engage in this vigil in an effort to manipulate their longings for their children into a pro-AKP propaganda exercise. There have reportedly been some families participating in the vigil who later revealed that they were actually motivated and even forced by government linked groups to stage this protest against the HDP.
A special team assigned by the Turkish state reportedly visited the family of Davut Polat, who has been missing for years. However, the family – who has not heard about their son for five years – thinks exactly the opposite of what the officials say or wanted them to say. Mother Mahiye Polat told MA that her son had previously been exposed to various forms of oppression by the state, including being arrested and tortured, even when he was a college student.
"He went to Istanbul for medical treatment and, there, he learned that he had been sentenced to five years in prison. He has been missing for around 20 years and I don't know where he is now, but I ask the state about his situation", Polat said.
She also stated that the gendarmerie have been coming to her house and forcing her to join the vigil that is being held in front of the HDP building. "The state never leaves us alone. They have been trying to make me a part of that protest in front of the HDP and ask for my son's whereabouts there", she said. "These people tell me: 'We will provide you with anything you need'. The state should know where he is, not the HDP and not me", she added.
"Even if I go in front of the HDP building", she clarified, "I would ask the state, not the HDP, about the fate of my son. Even if they give me trillions, I will not stop asking the state about him".


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The Loch Ness Legacy by Boyd Morrison
My rating: 5 of 5 stars
Boyd Morrison knocks it out of the park again. His globe-trotting engineer, Tyler Locke, is swept into the middle of a yet another global threat and once again he uses logic, science, and action-hero skills to save the day.
This time the threat involves biological warfare and the Middle East. The puzzles revolve around Charles Darwin, Nazis, and the Loch Ness monster. The action starts in Paris on top of the Eiffel Tower and travels to the remote reaches of Washington State and back to the depths of Loch Ness.
Once more, the author takes some liberty with science, a bit more with history, and manages to create an almost believable situation that keeps the reader turning page after page. The writing is solid, smart, and sometimes funny.
I recommend this for those who enjoy the adventures of James Bond or the books of James Rollins.
View all my reviews on Goodreads


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Taking Time To ThinkBy Karen Vally on 22 Jun 2014If I could choose one word to describe the nature of most of our lives, it would be, "busy." Most of us are driven by our "To-Do" lists. I am not so sure that this is a healthy way of living. "Taking time to do nothing often brings everything into perspective." How much time do you spend alone? "People who take time to be alone usually have depth, originality and quiet confidence." How much time do you spend thinking? "Satisfaction of one's curiosity is one of the greatest sources of happiness in life." Linus Pauling. Make a decision to think differently and to DO things differently. Creativity and innovation will give you The Edge long before intelligence, talent or capital ever will. |
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Supervisors play a critical role in advancing the mission of the University. They have significant responsibilities in formulating and administering policies and programs, as well as managing people and processes. As Missouri State University endeavors to become the employer of choice, developing leaders who are capable of shaping the future of the University is essential.
Additional program notes:
Supervisors interested in the program are strongly encouraged to check their schedules against ALL program dates before applying.
Program Dates:
Mar. 24 – Session 1: Strengths-Based Leadership
Mar. 30 – Session 2: The Sensational Supervisor
Apr. 6 – Session 3: Managing from the Middle
Apr. 13 – Session 4: Effective Communication & Meaningful Conversations
Apr. 20 – Session 5: Emotional Intelligence
Apr. 27 – Session 6: Critical Thinking & Problem-Solving
May 4 – Session 7: Performance Management Principles
May 11 – Session 8: Ethics & Conflict Resolution
May 18 – Session 9: The Effective Leader


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Are you artistic? Can you come up with an interesting phrase or concept? Congratulations! You have the skills it takes to start your own big money t-shirt business.
T-shirt sales are a large part of my recurring revenue stream. As of writing, I have over 250 designs for sale, which typically net me a few hundred extra dollars per month. I'm shooting for 1000 designs by the end of the year, which will hopefully pay my rent in 2016. There's quite a bit of money to be had in apparel design and sales and Robert Koch's "How To Start A Big Money T-Shirt Business For Less Than $10" will help you get rolling.
First off, I'm going to brag a bit about the cover. It's great because I made it, of course. Take a look:
Rob emphasizes in-person networking in addition to internet-driven marketing that so many of us are used to. He outlines how he hired a designer *hint hint* to create an image then sold it to a local business – all in the span of about 10 minutes worth of conversation. Rob offers real-life examples and step-by-step actionable instruction on how to make a sale that you'd frankly need to be borderline retarded not to follow successfully.
Rob's method describes easy outsourcing (a must if you don't have any design skill), how to sell to a business. Best of all, Rob describes why t-shirts are a superior form of advertising for businesses – something I accidentally witnessed firsthand a few months ago.
How T-Shirts Can Outperform Traditional Advertising
The weekend I moved to Denver also happened to be the 420 Rally I headed downtown to watch people get way too high and eat grimy state fair food. Meanwhile I was sitting on the sidelines like some buzzkill church lady because weed makes me stupid. Check out the haze:
I was bullshitting with one of the vendors of a product called "Cool Stash". Cool Stash is a hat with a secret compartment to store your stash that also transforms into a small wallet. It's an interesting and innovative product. While I didn't buy one because I don't have use for it, the owner was a really cool, super nice guy. He gave me a free t-shirt. Here's a pic:
So why is this a big deal? I wear this shirt to the gym occasionally and I've been asked by dozens of people what the shirt's about. I tell the story and how I thought it was a neat product, and I guarantee Cool Stash has gotten more than a few customers thanks to giving away one free t-shirt.
Why You Need This Book
I decided to put the book's methods to the test. I'm a shitty sales guy, and it took me all of four conversations until I sold a design to a local restaurant. I even wound up doing some bonus menu design work for them a few weeks later. Grand total? Roughly $250 worth of work thanks to Rob's methods.
It's not hard to get in on the action, so enjoy my artwork and make some side cash with Robert Koch's "How To Start A Big Money T-Shirt Business."
Click Here To Buy How To Start A Big Money T-Shirt Business
Like my artwork? Hire me to make you a shirt or book cover!


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Lúcia Tardão
Lúcia Tardão, graduated in Portuguese and English Teaching from the University of Évora. Since 1994, she teaches English and Portuguese in the 3rd cycle of basic education and CEF (Educational and Professional Training Courses). She coordinated the Education and Training Courses, Alternative Curriculum and ORE (Other Educational Responses). She was secretary and vice president of the School Administration Board (1998/1999 and 2002-2005) and, in recent years, coordinates the English group of t
School: Agrupamento de Escolas Dr. Alberto Iria -Olhão
25 students are involved
The average age of the students: 11-15 Year


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Bhojpuri superstar Dinesh Lal Yadav Nirhua and Amrapali Dubey are well liked. The song 'Amrapali Re Kach Kach Khali' from his film 'Sepahi' has been much appreciated.
The song is sung by Om Jha and Amrapali Dubey. The song has been written by Shyam Dehati while the music has been composed by Om Jha.
Bhojpuri star Dinesh Lal Yadav Nirhua
Dinesh Lal Yadav Nirahua Mobile Number
Read More: Only this person could have saved Sushant Singh Rajput life


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The Trouble with Love Is - Kelly Clarkson Free Piano Sheet Music
The Trouble with Love Is description
"The Trouble with Love Is" is the fourth and final single from pop rock singer Kelly Clarkson's debut album, Thankful. It was co-written by Clarkson, Evan Rogers, and Carl Sturken and co-produced by Rogers and Sturken. A bluesy number, it has Clarkson explaining how love can be wonderful but also what the trouble with love is. Show The Trouble with Love Is piano sheet
Kelly Clarkson description
Kelly Brianne Clarkson is an American pop rock singer, songwriter, and occasional actress. She rose to fame as the winner of the first season of American Idol in 2002, and was the runner-up of World Idol the following year. Clarkson has since become an international platinum recording artist with over 25 million album sales and 36 million singles worldwide, according to Billboard and Nielsen SoundScan. In a career spanning over a decade, Clarkson has accumulated eighty number ones on the Billboard charts, and eleven number one singles worldwide.
Renowned as "The Original American Idol", Clarkson is widely known for her vocal versatility, range, and heroine image. Her music has mainly dealt with themes of heartbreak, independence, and self-empowerment for women and young teens. Apart from her work in music, Clarkson has also venture... More piano sheets by Kelly Clarkson
Other free piano sheets
Kelly Clarkson - A Moment Like ThisKelly Clarkson - Catch My Breath
Kelly Clarkson - Beautiful Disaster
Kelly Clarkson - Because of You
Kelly Clarkson - Addicted
Kelly Clarkson - Breakaway
Kelly Clarkson - Miss Independent
Kelly Clarkson - Since U Been Gone
Tarja Turunen - Boy and the Ghost
Did you know?
The Basics of Playing Piano and Reading Sheet Music
For beginners, musical sheets may look really foreign, with all the notes and symbols printed in it. And for those without musical background to start with, it may seem all overwhelming. The good thing is, there are lots of ways to start understanding music notes from tutorial videos to reading how to articles like this one. A first step is findin...Continue reading The Basics of Playing Piano and Reading Sheet Music


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Taxi drivers oppose MSP airport proposal on Uber, Lyft: What's at stake
Minneapolis-St. Paul International Airport is weighing new rules that could better accommodate ride-sharing services like Lyft and Uber.
But more than 200 cab drivers showed up at a Metropolitan Airports Commission meeting Monday night in Bloomington to voice their opposition to the plan. They said ride-sharing through smartphone apps like Lyft and Uber would have an unfair advantage at the airport, undercutting the taxi business, which includes 750 licensed airport cabs picking up about 1,800 fares a day.
What are the rules for ride-sharing now?
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MSP Airport already allows Lyft and Uber drivers to pick up and drop off customers at the airport. But those drivers aren't allowed to use the curbside lanes — which is where travelers would be picked up by a spouse or a neighbor — to pick up their customers.
Ride-sharing drivers are, according to airport rules, supposed to use the same commercial vehicle lane as limousines. Drivers picking up passengers in that lane are required to swipe a credit card and pay an airport fee — all before reaching their passengers.
It's complicated and inconvenient — and ride-share drivers don't typically bother, bypassing the commercial lane for curbside pickup.
In addition, ride-sharing drivers aren't subject to the same inspections and regulations as airport taxis.
"We do not regulate the individual cars or the individual drivers," said airport spokesman Patrick Hogan. "That becomes the responsibility of the transportation network company. So it's a very different business model.
"But in both cases, there would be fees that would have to be paid. With the transportation network companies, they would pay $3 every time they pick somebody up and $3 every time they drop someone off at the airport."
How would the airports commission proposal change the rules?
An ordinance proposed by the Metropolitan Airports Commission would set aside space for ride-share vehicles, streamlining the process and letting ride-sharing services offer curbside pickup.
But that allowance comes with a few strings attached, like fees and insurance requirements and background checks.
Why not just take a cab, if ride sharing is so complicated?
Ride-share customers say they like services like Uber and Lyft because the apps allow them to see their driver ahead of pickup, they have an idea ahead of time what the ride will cost, and they can tell if it will cost less than a taxi or limousine ride.
Passengers are also able to rate their drivers on these apps, so drivers may go out of their way to earn good ratings.
What's the taxi drivers' take?
Cab drivers told the airports commission Monday that they do good work, too, and are also highly regulated. They are trained and experienced. They said they have a well-established system for picking up rides of their own — at the taxi stand that everyone expects to find at an airport.
But the drivers pay a premium for it — more than $1,600 every six months — and they pass that cost along via their fares. The drivers also outfit their cabs and pay for a radio system that's monitored around the clock.
The cab drivers said regulations require them to pay that overhead up front. Ride-share drivers are able to pay their fees on a per-trip basis, around $3 or $4. Cab drivers also said that because ride-sharing drivers set their own schedules, they have the flexibility to skip bad weather and be available only at prime travel times. Cab drivers can't afford that choice.
Video: Edward Reynoso, of the Teamsters Joint Council 32, spoke on behalf of a newly formed airport cab drivers association that is fighting the proposal. Tim Nelson | MPR News
Are there any other factors at play?
Race came up at the meeting in addition to economics.
Gregory Kpowulu spoke on behalf of the more than 200 cab drivers at the meeting. At one point, he asked them to stand. These people would be the ones to suffer if the airports commission enacts the proposal, he said.
"I see 99.9 percent of black people," he said. "They're from Africa. They came here, just like how some of your parents came here, looking for opportunities to live in this country. And that's what they stand for. They want to work, and they don't want those jobs taken away."
What's the ride-sharing services' take?
Ride-sharing services say that the commission's proposal could diversify their workforce in other ways — making it easier for women drivers to get day work while their kids are at school, for instance.
"Sixty percent of our passengers are female, and 30 percent of our drivers report as female," said Bakari Brock, Lyft's airport operations director.
There were also retirees at the meeting who said ride-share services help them supplement their Social Security.
Supporters said cab drivers are free to leave the taxi business and start driving for Lyft or Uber. A number of former cab drivers at the meeting Monday night said they had done just that. Supporters also argued that this is the way the economy works: Technology can lower overhead, cut prices and help gain market share.
What happens next?
The airports commission has published a 25-page proposed ordinance and took more than three hours of testimony about it Monday night.
The MAC could make a decision about what to do about ride sharing this summer.


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My fiancé, Tim, and I adopted Mary Jo about four weeks ago. I cannot thank the Dunn County Humane Society enough. Mary Jo, now named Meeka, has changed our family in such a positive way. Meeka enjoys playing with sparkle balls.
About four days after being brought to our family's home, Meeka fell in love with sparkle balls. If Tim or I am sitting on our bed she will go out and grab a sparkle ball and jump on the bed and place it in our lap. When morning comes and Meeka is ready to play she will bring the ball onto the bed and wake us up.
Meeka loves to play, and her most recent discovery was climbing. She now investigates everything she can. Meeka loves attention so anytime I leave the room she is right by my side. When she is tired, she has no problem curling up between Tim and me on the sofa.
When we went to the humane society, we asked to hold Mary Jo. The moment she was in our arms she was quickly purring. Still to this day she purrs when she feels relaxed and sleepy.
Again, we cannot thank the humane society enough for taking care of all the animals you do. We are incredibly happy with our adoption.
I have about a million pictures of our little kitten on my phone, so I decided to share a few with the humane society.
Tim and Mekayla


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Luke Peña is the Executive Director of Admissions and Financial Aid at the Tuck School of Business at Dartmouth College. Luke still vividly remembers the highs and lows of applying to business school 11 years ago. He cares deeply about reducing stress and anxiety for business school applicants, and regularly provides updates for applicants on the Tuck360 blog as part of The Tuck team's commitment to transparency and accessibility. He shares more below—including how you can guarantee an interview—so read on for his insights in this edition of our Admissions Director Q&A series.
Clear Admit: What is the one aspect of your program that you wish applicants knew more about?
Luke Peña: Tuck is unique among business schools due its unique combination of focus, scale, and place. I find that applicants know well our personal scale of 285 students, deliberately sized so you can build strong relationships with each other, and our immersive environment in Hanover, New Hampshire, free from the distractions and disruptions of a large market… and with plenty of space and natural beauty to aid with physical distancing in this COVID-19 world.
In my conversations with applicants, I find that fewer of you have fully considered our focused emphasis on the full-time MBA, and fewer still have unpacked how that meaningfully and positively impacts our learning community. Over Tuck's 120-year history, the MBA has always remained the heart of what we do. Tuck has no Ph.D. program. We have no EMBA, no part-time, night, or weekend MBA, and no undergraduate business major. This means all of our famously loyal and supportive alumni completed the same degree you are pursuing. This means you have more attention from and more opportunity to build partnerships with our Career Services, TuckGO, our Centers teams.
And it means you will engage more regularly and more deeply with our faculty. We have no Tuck Ph.D. students to occupy the faculty's time. Just like our students, our faculty researchers and educators choose Tuck with intentionality. They choose to bring their research and industry experience to the MBA program, connect with you inside and outside the classroom, and sharpen your functional expertise, your analytic skills, and your ability to develop and defend points of view amidst disruptive ambiguity. At Tuck, you have a faculty better equipped to challenge you, support you, and know you because our program offerings are focused rather than diffuse.
CA: How might the applicant experience look different this year due to COVID-19? How would you advise candidates to get to know your MBA program and student community if they aren't able to visit your campus?
LP: We're contending with two different pandemics, one of global health, and one of racism and racial injustice in the United States. Amidst this turbulence, we've pledged to be steady and stable in our application process. Our world needs wise, decisive leaders more than ever before, and our mission to develop these leaders has never been more urgent. We're seeking those for whom this call to lead is resonant – hopefully you – and we're confident in what we look for, where we find it, and how we assess it.
We updated a few words in our admissions criteria, but the four attributes we seek are stable. The components of the Tuck application are stable, including the three essays prompts. The questions we ask your references are stable. Our application rounds and dates are stable. We're seeking to enroll another smart, accomplished, aware, and encouraging class of 285 students, same as the prior year. As always, our approach at Tuck to the application is firmly rooted in appreciating and empathizing with the applicant experience. Applicants, there is more than enough upheaval in the world around us right now. You don't need the Tuck application changing on you too.
The one application component that must necessarily change is the interview. Before COVID-19, we were one of just a few schools who encouraged MBA applicants to initiate and schedule their own interview on our campus. Alas, at the time of this Q&A, we cannot offer campus visits or on-campus interviews per public health guidance. This was a dilemma for us, because we've long prided ourselves on offering those of you with strong interest in Tuck the agency to tell your story in an interview. So in true Tuck fashion, we worked together to create a solution. We will guarantee a virtual interview for all of you who submit a complete application, including reference letters, by September 1. Consortium applicants, you have until October 1. If you are confident in your decision to apply to Tuck, you have a clear path to a guaranteed interview.
Of course, many pre-COVID applicants visited campus not only to interview, but also to experience the campus itself. We recognize there is no perfect substitute for experiencing the vibrancy of Tuck in person, but you have alternative options to better get to know our community. You can tour campus virtually, and see the physical beauty of Tuck and the Upper Valley on our YouTube channel. We expect to offer additional interactive tours in the months ahead, and you will be able to see faculty and students interact live in online class visits in the Fall 2020 term.
You can also engage with our Admissions and Financial Aid team, our students, and our alumni at live online events. For the coming year, we invite you to connect with Tuck representatives and ambassadors online at a variety of events, including virtual information sessions, Tuesday Q&As with Tuck, coffee chats with me, and an array of small group events tailored to specific geographies, industries, and affinity groups. These events will be offered at varying times to acknowledge time zone differences, and will be mostly small in size – that's the Tuck way, so you can connect and engage with others on the chat. We won't be traveling the world for the foreseeable future, so we're excited that these online events will accommodate all of you, including those outside the cities we would typically visit.
We have also worked closely with our student ambassadors to simplify your ability to directly connect with our students. Our Tuck Ambassadors page lists the name, class year, contact information, and profile of well over a hundred Tuck students, and you can filter by region, activity and club, career path, and Center involvement. Reach out to our ambassadors! They are your best contacts for learning about the Tuck experience. And although our interviews are virtual for now, do know that our Tuck Admissions Associates – our second-year student interviewers – will continue to conduct almost all interviews so you can have yet another touch point with a Tuck student.
CA: Walk us through the life of an application in your office from an operational standpoint. What happens between the time an applicant clicks "submit" and the time the committee offers a final decision (e.g. how many "reads" does it get, how long is each "read," who reads it, does the committee convene to discuss it as a group, etc.)?
LP: First and foremost, you own your application; not us. My colleagues and I are merely stewards of it. You choose to create an application, you choose to curate the content therein, and you choose when and where to submit this meaningful representation of yourself. It's important to me and my colleagues that you approach your application with this sense of agency. I care that each of you feels ownership and control in this application process. When you do, you approach the application with more confidence and enthusiasm, which will both improve the quality of your application and reduce your stress and anxiety while preparing it.
I am incredibly proud of our transparency at Tuck. Our evaluation process is no exception. On our website, we gladly offer a detailed and revealing overview of the mechanics of how we evaluate. Few schools talk as openly as we do about how they evaluate, and fewer still put it in writing on their website for all to see. If you are interested in the mechanics of how we evaluate, I encourage you to examine our process for yourself, and see how open we are about it.
Being open, honest, and transparent about how we handle your applications is a no-brainer to me. Some have asked me if I worry that discussing our process in detail will be off-putting and scary to you. Quite the reverse; I believe you have a right to know. The absence of information is always more stressful than the abundance of it, especially in a high-stakes process like selective admissions. I've never quite understood how admissions officers can urge you to be authentic, revealing, genuine, and vulnerable in your applications and then be so tight-lipped about what we do with them. As an admissions profession, we need to retire the concept of applying as an asynchronous transaction and do more to earn and reciprocate your trust. When you apply to Tuck, you are trusting us to carefully and thoughtfully evaluate your application. It stands to reason that you deserve to know exactly what our team does with your hard work.
The full details are on our website, and yet I share here a few of the highlights: our evaluation process is decidedly human – no equations, no algorithms, no numerical ratings – as we do not believe your talents, abilities, and experiences can be reduced to numbers. Each reader reads your application in its entirety to see the full picture of what you have shared with us. The stronger your application, the more people will read it; we do additional diligence as we get to know better those whom we will strongly consider for admission. And for applications where a final decision is not clearly evident, we depend on the collective wisdom of group decision-making, so that we have numerous perspectives and voices to enrich our deliberations and improve our decisions.
CA: How does your team approach the essay portion of the application specifically? What are you looking for as you read the essays? Are there common mistakes that applicants should try to avoid? What is one key thing they should keep in mind as they sit down to write?
LP: As with our evaluation process, my colleagues and I are open and forthcoming about how we assess essays, and I've shared guidance on our Tuck 360 blog about responding to each of our three essay prompts. We're clear and unambiguous about what separates a strong essay response from an unremarkable one.
In addition to transparency, my colleagues and I also believe in simplicity. Unnecessary complexity only adds to stress and anxiety, which we seek to minimize. Our admissions criteria – smart, accomplished, aware, and encouraging – are simple, accessible, digestible manifestations of qualities which have long described the Tuck community. We also have clearly and directly mapped each component of your application to the four admissions criteria. We look for evidence of all four in your reference letters and interview notes. Your transcripts and test scores map directly to smart. Your resume maps directly to accomplished. The essay prompts are written to give you the opportunity to demonstrate aware and encouraging. These latter two qualities are precisely what we seek to find in your essays.
I try not to dwell much on mistakes or pitfalls, because I want to empower you to apply with confidence, and that means focusing on all that can go right rather than all that can go wrong. I do often tell applicants that the best way to stand out is to stop trying so hard to do so. We care a lot about your awareness, both of your strengths and your areas for growth and development. Talking up the former and downplaying the latter might seem like a tempting approach, but it misses the point of pursuing an MBA – presumably, you're pursuing this degree to grow, professionally and personally, in ways or at a pace beyond what is currently possible. If you're already perfect, you don't need this degree! Instead, lean into this opportunity to tell us with confidence all the strengths you bring to Tuck, and also tell us with humility the ways Tuck can help you grow.
The best advice I can give for the essays: write them, share them with someone whom you know and trust, and ask them not "Is this a good Tuck MBA essay?" but instead "Is this truly me?" If yes, you've done good work. If no, keep at it – you'll get there!
CA: Could you tell us about your interview process? Approximately how many applicants do you interview? Who conducts the interview (students, admissions officers, alumni) and what is the nature of the interview?
LP: We've written on our blog about interviews, too! As noted earlier, we're abiding by public health guidance and doing our part to limit the spread of COVID-19, which prompted us to adjust our interview policy. For the upcoming admissions year, you have two paths to an interview. If you submit your complete application by September 1, we guarantee an admissions interview. If you submit your application after September 1, we will review your application and invite you to interview if we would like to learn more about how you demonstrate our criteria. Last year, our Admissions Committee invited just over one in four applicants to interview. I don't yet know how many of you will apply, and how many of you will take advantage of the guaranteed interview option, but I expect that percentage of applicants we invite to interview to be higher this year. Across both the guaranteed and invitational interviews, I predict we will interview somewhere between one-half and three-quarters of our applicant pool.
All interviews, both guaranteed and invitational, will be virtual until Tuck, Dartmouth, and the state of New Hampshire determine it is safe to welcome external visitors to campus. This may extend through part of the upcoming application season, or all of it; we can't know yet. What we do know: we want you to feel confident that you will have every opportunity to shine in a virtual conversation. My colleagues have shared good guidance on how you can succeed in a virtual interview format. While we will certainly miss seeing you on campus, our updated interview policy preserves the distinctly-Tuck option to guarantee the opportunity to tell your story in an interview, and it ensures all of you have a fair and equal opportunity to do so.
A few words about invitational interview logistics: my colleagues and I send interview invitations on a rolling basis all throughout the application round. If a reader reads your application and believes we should get to know you better, that reader immediately sets in motion an interview invitation. The timing of interview invitations correlates with when we read your application, and we read applications in a random order, so there is nothing to read into timing beyond the randomness of when your application came up in our reading queue. When you receive your invitation, you will confirm an available 45-minute interview time and receive additional details about logging into the video call.
We hire and train second-year Tuck students to conduct our interviews. Your student interviewer sees only your resume. In addition to training our students on general interviewing techniques and implicit bias awareness, we coach our student interviewers to seek and record evidence of our four admissions criteria. While the student interviewers have discretion over the questions they ask, they tend to broadly fall into one of two buckets: questions about the past, and questions about the future. Questions about the past ask you for behavioral examples from your prior experiences, e.g. "tell me about a time when you…" Questions about the future ask you to describe motivations and goals for an MBA, your Tuck experience, and your future career.
My best encouragement for your interview: have a normal, natural human conversation with your interviewer. This involves finding a comfortable balance between under-preparation and over-preparation. Yes, it's helpful to reflect on past experiences and future goals before talking with your interviewer. It's also a good idea to literally and figuratively set aside the prepared script, especially in the virtual format, and connect conversationally as you would with a future classmate. Remember that your interviewer is ultimately making a call on whether you will be a good addition to this community they already know well and love – so help your interviewer see you as a future member of the Tuck community.
CA: Tell us briefly about two notable professors at your institution (ideally one student favorite, and one up-and-coming).
LP: Limiting to two is impossible! I will share five, but keep it brief. Our students recently voted Ramon Lecuona and Governor John Lynch winners of our 2020 Teaching Excellence Awards; Ramon worked for the Office of the President of Mexico for seven years and now focuses on firms' productivity and innovation, while John draws from his prior experience as Knoll CEO and one of New Hampshire's longest-serving governors in his popular elective "The CEO Experience." Jennifer Dannals is one of our brightest rising stars; her recent work highlights how diversity and inclusion are fundamental to organizational success, and that teams thrive when leaders encourage new voices to be heard. And Lindsey Leininger and Ella Bell Smith are both bringing timely insights into the public domain; you'll find Lindsey's work on vulnerable population healthcare in in The New York Times and NBC News, and you'll find Ella's work on organization change, race, gender, and class in Marketplace and HBR's Women at Work podcast.
CA: Anything else you'd like to highlight about your MBA program or admissions process
LP: If you work well with others, Tuck is for you. Embedded in our mission is the philosophy that the best wise, decisive leaders can craft a compelling vision for the future, and then execute on that vision with and through other people. Just about everything you do at Tuck, inside and outside the classroom, is alongside other people who are invested in your success, and you in theirs. If you aspire to be a leader that motivates, inspires, empowers, and invests in others, then you belong at Tuck.
This encouraging, collaborative, and empathetic spirit extends to our Admissions and Financial Aid team. If you are excited about Tuck, we want to get to know you! We care a great deal about helping you confidently and successfully apply. No matter where you are in your application journey, please reach out to us. You will find that our team is accessible, responsive, helpful, and deeply invested in helping you navigate the application journey ahead.


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Could not help but post a couple of pictures of the La Palina Cigars. This stick is "The Babe". What a work of art!!! The Babe contains a beautiful Costa Rican Wrapper. I put some details up on the La Palina line when I reviewed the Alison (that one contains an Ecuadorian wrapper)
That is Bill Paley's autograph on the picture….