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What Can I Do with a Finance Degree?
A finance degree can unlock a whole host of opportunities. Those who understand how money works can make a career in banking, management, sales, entrepreneurship, or even on Wall Street. Read on to find out what a finance degree can do for you.
Anyone even remotely connected to modern civilization must utilize money. And most people, aside from maybe a few sages and hippies, want more money. Finance is the study of money. It teaches you how money can be transferred, how one form of money can be exchanged for another, how stocks are traded on Wall Street, how government and corporate bonds are managed, or how mortgages are orchestrated, how wealth ebbs and flows, and how we can navigate an evermore complex economic maze.
Finance can also incorporate related fields like accounting, business, and economics.
If you're interested in any of the above, or if you're hoping to gain a better understanding of how money works, how it grows, and how it should be managed, finance might be the educational discipline for you.
A background in finance can prepare you for a wide array of extremely practical occupations. And not surprisingly, those who study finance often earn a very impressive salary themselves.
If you already know what you're looking for, go ahead and jump to our ranking of The 100 Best Business & Economics Programs in the World Today.
If you need a little more information, continue on.
Covered in this article:
- What do I need to know about accreditation?
- What kinds of Finance Degrees Are There?
- What's the difference between a Master's Degree in Finance and an MBA?
- What kind of Licensing or Certification Do I Need?
- What can I do with a finance degree?
- How much can I make with a finance degree?
- What Professional Finance Associations or Societies should I join?
What Kind of Accreditation Should My Degree Program Have?
The last thing you want to do is waste time and money on a degree that won't be taken seriously by future employers. That's why it is absolutely imperative that you make sure your school has the proper accreditation before you proceed.
As with most other higher education disciplines, regional accreditation is of critical importance in determining where to obtain a finance degree. Program accreditation is granted by accrediting agencies that are formally recognized by the Department of Education. Only accredited colleges or universities are eligible for financial aid. Moreover, accreditation typically indicates that an institution is not only maintaining its standards but that it continues to advance and remain current within its field. As you proceed in your search, you'll find both institutional accreditation and program accreditation. The former refers to school wide accreditation and the latter refers to the accreditation conferred upon your specific discipline and degree program.
Regional Accrediting Agencies
The institutional accrediting sector is divided into regional and national accrediting agencies. Generally, regional accrediting agencies confer greater credibility and merit. When you're investigating a college or university, you'll want to look for the "stamp of approval" from one of the following regional accrediting agencies:
- The Higher Learning Commission
- New England Association of Schools and Colleges
- Middle States Commission on Higher Education
- Northwest Commission on Colleges and Universities
- Southern Association of Colleges and Schools Commission on Colleges
- Western Association of Schools and Colleges
Program Accreditation
When it comes to national accrediting agencies, reputations may vary. In some cases, program specific accrediting agencies may hold a great deal of importance. Some professions and places of employment will require that your degree has been conferred by a course of study with program specific national accreditation.
Those interested in finance degrees should also look out for the stamp of approval from the Association to Advance Collegiate Schools of Business, (AACSB), which was founded in 1916. Schools may be accredited by either the AACSB Accounting Accreditation or the AACSB Business Accreditation, depending on their particular concentration. Although these two accreditation services focus on providing legitimacy for schools focused on the accounting or the business field, respectively, approval from the AACSB will command respect from all areas of the finance sector. Schools acquire such accreditation by applying directly to the AACSB and by demonstrating adequate funding and resources as well as well-rounded and current curriculum.
The easiest way to determine accreditation status is to contact your school of choice, or visit the website for any of the above accreditation agencies. Each provides a searchable database of accredited institutions and degree programs. You can also take a look at the Department of Education's database of all recognized accreditors within its purview.
Or, to learn a little more about navigating the tricky accreditation landscape, check out Accreditation of Colleges and Universities: Who's Accrediting the Accreditors?
What Kinds of Finance Degrees Are There?
The finance degree that is right for you is largely dependent on your current education level and career aspirations. Are you looking to find employment as quickly as possible? Would you prefer to work in the professional or academic arena? How many years are you willing to spend in school, and how much money are you willing to spend? Answering these questions will enable you to determine the right program for your needs.
Associate's Degree in Finance
This degree is the next step after high school. This program will introduce you to foundational coursework. You probably will not find a fancy Wall Street job after finishing the 60 credits required for this program, but you will get your feet wet in a respected two year degree program. This program is ideal for you if you're ultimately looking to eventually transfer into a bachelor's degree program. Just be sure before applying that your associate's degree program credits are recognized by most private and public four year schools.
What courses will I take?
- Introduction to Microeconomics
- Managerial Accounting
- Financial Accounting
- Principles of Finance
- Money, Banking, and Financial Markets
- Investments
Bachelor's Degree in Finance
A bachelor's degree is the standard college degree. It typically requires four years to complete 120 credits of coursework. Students who complete this degree possess the minimum education requirement typically assumed necessary by most employers. In many ways, it is an expanded version of the associate's degree program. Students will acquire a substantial overview of the field as they learn the key concepts that make the banking and investing world run. But in addition to that, students at the bachelor's level will also have their first opportunity to engage in specialized coursework and independent research. Those interested in pursuing a job in finance beyond entry-level employment should aim for the bachelor's degree as the lowest threshold for entry.
What courses will I take?
- Management and Organization Theory
- Principles of Accounting I
- Principles of Accounting II
- Business Finance
- Investments
- Risk Management
- Financial Analysis
- Financial Management
- Security Analysis and Valuation
- International Finance
- Money and Banking
- Contemporary Issues in Finance Practice
Related Degrees:
- The 30 Best Online Bachelor's in Accounting Degree Programs
- The 20 Best Online Bachelor in Business Management Degree Programs
Master's Degree
Those who study finance with more academic leanings will often choose a master's degree. This degree does not preclude one from professional positions, but unlike the MBA is geared towards a wider range of studies than specifically business-themed material. Depending on the program, some master's degrees also require a minimum level of coursework and will instead fill a student's time with independent research, which is particularly useful for those looking to one day write a dissertation.
What courses will I take?
- Financial Reporting and Analysis
- Investment Analysis and Portfolio Management
- Short Term Financial Management
- Cost Accounting
- Quantitative Analysis for Decision Making
- Managerial Economics
- Corporate Financial Management
- Risk Management
- Financial Modeling
- Money and Capital Markets
- Global Corporate Finance
Related Degrees:
- The 10 Best Online Master in Finance and MBA in Finance Degree Programs
- The 50 Best Online MBA programs
What's the difference between a Master's Degree in Finance and an MBA?
The Masters of Business Administration (MBA) is similar to the Masters of Finance, but is more directly focused on the practical knowledge that those working in business need. It is the standard degree for those pursuing careers in the business world. Here, students will focus on the nuts and bolts of managing a company's funds, making long term economic forecasts, understanding the ever changing world of business law, or any number of other tasks relevant to running some of the largest and most complex companies in the world.
If you're ready to take the leap, check out The 10 Best Online Master in Finance and MBA in Finance Degree Programs.
If you think a more general MBA is right for you, here are The 50 Best Online MBA programs.
Doctoral Degree in Finance
The Doctoral degree is an advanced research degree specially designed for those who wish to complete a dissertation. The degree begins with two years of graduate coursework similar to the material studied at the master's level. Then, students embark on writing a dissertation, which typically takes three years. Those interested in developing research material should pursue the doctorate, but this degree is not for the faint of heart. Doctorates can take often take as long as seven years to complete. Those interested in developing new financial models that help businesses, hedge funds, and central banks understand and improve finance practices should consider pursuing a doctorate.
What Kind of Licensing or Certification Do I Need?
The field of finance is uniquely open ended. This course of study can lead to a variety of occupations, each of which has its own particular certifications. Your required credentials will largely depend on the occupation you hope to pursue. Below are just a few of the types of licenses you might need:
Credit Analyst
As the name implies, a credit analyst determines the approximate financial health of a prospective loan applicant. In the modern economy, the entire system runs on credit, so determining who is in a position to pay their loans back and who is not is essential to keeping the financial world in working order. If you want to become a credit analyst, you need to go through The National Association of Credit Management. This organization offers the Credit Business Associate designation for applicants who finish three college-level financial accounting courses, financial statements, and business credit as well as a certification exam. After five years of business experience, you can also sit to take the test for the Risk Management Associations Credit Risk Certification.
Finance Officer/Loan Officer
Opportunities for finance/loan officers reached a fever pitch during the height of the subprime mortgage bubble. Nevertheless, there is still a substantial need for loan officers, and becoming a loan officer yields an unusually high paying job for a modest amount of education. Typically finance/loan officers have a bachelor's degree and ample on-the-job training. It takes 20 hours of coursework, as well as passing both an exam and background/credit checks, in order to become certified. Officers must renew their license annually, and sometimes states will establish additional requirements. Also, certain groups, such as the American Bankers Association and the Mortgage Bankers Association, offer additional training. Though this training is not required, it is greatly encouraged and may open up further career opportunities.
Financial Advisor
In one sense, anyone can give financial advice, but if you want to be taken seriously you will need some credentials. Although financial advisors may need a variety of certifications depending on what products they wish to sell, the most obvious path to respectability runs through the Certified Financial Planner Board of Standards. They offer the Certified Financial Planner (CFP) certification. You will need a bachelor's degree and 3 years of relevant experience. You'll also need to pass a test, and follow a professional code of conduct.
See also:The 20 Best Financial Management Certificate Programs.
Financial Analyst
The Financial Industry Regulatory Authority (FINRA), the same licensing organization that governs securities, requires licenses for many financial analysts. Unlike many of the other sub branches of the financial industry, the majority of licenses relevant to this field require sponsorship by one's employer. Thus, most people will get their feet wet in the industry before thinking about becoming an analyst.
Investment Banker
If you want to be an investment banker, you will need to register as a representative of the bank you work for with the Financial Industry Regulatory Authority (FINRA). Investment bankers need to pass an examination in order to qualify. They can also acquire voluntary certifications such as the Chartered Financial Analyst (CFA) from the CFA Institute.
To see what's out there check out, The 20 Best Online Certified Financial Planning (CFP) Programs here!
What can I do with a finance degree?
Finance is a field in which you can help others achieve their life goals while potentially earning a substantial paycheck yourself. A degree in this field can act as a doorway to a wide spectrum of lucrative positions that offer substantial career advancement opportunities. Some possible Careers in Finance include:
- Actuaries
- Accountants and Auditors
- Appraisers and Assessors of Real Estate
- Budget Analysts
- Claims Adjusters, Appraisers, Examiners, and Investigators
- Cost Estimators
- Financial Analysts
- Financial Clerks
- Human Resources Specialists
- Insurance Underwriters
- Loan Officers
- Logisticians
- Management Analysts
- Market Research Analysts
- Meeting, Convention and Events Planners
- Operations Research Analysts
- Personal Financial Advisors
- Purchasing Managers, Buyers and Purchasing Agents
- Statisticians
- As well as a number of managerial careers
Obviously this list is not exhaustive. Nevertheless, it does provide a launching pad for your exploration of finance. If you find any of these jobs interesting, get started on your way by checking out The 100 Best Business & Economics Programs in the World Today.
What kind of salary can I earn with a finance degree?
Of course, no one can predict how much you stand to make in finance with absolute certainty. However, the data available from the Bureau of Labor Statistics provides a useful starting point for some of the leading finance professions:
- Appraisers and assessors of real estate: Median pay per year, 2016 — $68,150
- Budget analysts: Median pay per year, 2016 — $73,840
- Credit analysts: Mean pay per year, 2016 — $81,160
- Credit counselors: Mean pay per year, 2016 — $49,480
- Financial analysts: Median pay per year, 2016 — $81,760
- Financial examiners: Median pay per year, 2016 — $79,280
- Insurance underwriters: Median pay per year, 2016 — $67,680
- Loan officers: Median pay per year, 2016 — $63,650
- Personal financial advisors: Median pay per year, 2016 — $90,530
- Tax examiners and collectors, and revenue agents: Median pay per year, 2016 — $52,060
- Tax preparers: Mean pay per year, 2016 — $45,340
Are There Professional Finance Associations or Societies I should join?
Since finance is such a broad field with so many extremely specific niches, you will have to select the professional organizations that best match your interests. The following list is a good place to begin searching for networking opportunities, but feel free to look for more specialized organizations as your interests mature:
- Association for Financial Professionals
- Society for Financial Service Professionals
- American Association of Finance and Accounting
- American Bankers Association
- The American Finance Association (AFA)
- American Institute of Certified Public Accountants (AICPA)
- American Society of Women Accountants (ASWA)
- The Association of Accountants and Financial Professionals in Business (IMA)
- International Federation of Accountants (IFAC)
- National Association of Black Accountants
- Professional Accounting Society of America (PASA)
Now that you know a bit more about how to earn a business degree, jump to our ranking of The 100 Best Business & Economics Programs in the World Today and find the best school for you!


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As Skillshare student Cecilie Wold put it,
"For me in this class, it's about being engaged. Asking questions, posting stuff, ask for feedback. Sitting in a corner, soaking it all in, is comfortable, but nobody is going to ask your questions for you."
We couldn't have said it better!
In large, online classes, active participation is key - as the saying goes, the more you put in, the more you get out. Skillshare's online courses are often very hands-on and are designed to encourage collaboration and conversation among students.
It's all about power in numbers: the more you and other students contribute by sharing your projects, posting resources you've found, or asking questions of your teacher or fellow students in the Discussions, the more content and feedback you'll have access to, and the more you'll learn!
Here are some simple things you can do to get the most out of your online Skillshare class:
Get to know your fellow students
Introduce yourself in the Discussions as soon as you join a class. Let your teacher and your peers know who you are, where you "live" online, and what you're hoping to get out of the class.
Tune in
Attend the lectures, office hours, and other events led by your teacher. This is your best opportunity for teacher interaction - don't miss your chance!
Complete the assignments and your final project
The tasks your teacher lines up for you are meant to help you apply what you're learning to your own real-world projects. If you want to leave the class with tangible proof of what you've learned, start your work early so you can get lots of feedback from your peers during class and finish up by the end!
Collaborate with your peers
Join or start a Group. Especially if your class is large, this is a great way to get more direct attention and feedback during class. You might even build long-lasting relationships with like-minded folks!
Get talking
Use the Discussions to participate in interesting conversations and ask questions when you're stumped. This is another way you can snag the attention of your teacher or other students - if you share great content, they'll appreciate it, and if you ask provocative questions, they'll answer!
For those of you who are extra credit students...you can always become a TA. Just start a group like this one and model top student behavior throughout your class - you'll be the teacher's pet and your fellow students will appreciate your enthusiasm and follow suit!
Get started by browsing classes here!

subset: commoncrawl


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Ray Charles: 50 Years In Music, Uh-Huh! was a special TV show, commemorating Ray Charles's 50th year in the music industry (timing his debut at the Saintt Augustine School for the Deaf and the Blind in 1942, when he started platying piano for afternoon tea parties and ladies' club socials!). The program was presented as a benefit event for the Starlight and Starbright Pavilion Foundations on 19 September 1991, in Pasadena, and was directed by Jim Yukich. With The Ray Charles Band, and a record breaking line-up of seven (7!) Raelettes. A 60-minute cut was aired by Fox on October 6. The DVD (embedded below) had 90 minutes.
DVD: Image Entertainment, November 2005, ISAN B000BD1LI6.
|Fox/WUPW ad for
broadcast on Oct. 6.
When Ray Charles: 50 Years In Music originally aired, it was the highest rated musical variety special in the history of Fox Network Television. It has had subsequent airings on The Family Channel, BET, Disney Channel, and Bravo TV.
Highlights abound in the show. It's hard to say which is better, Charles' duet with Stevie Wonder - Livin' For The City* - or his performing Busted with Willie Nelson. The finale is for America the Beautiful. Bolton's contribution to Georgia, on the other hand, should be erased from history.
There's a story behind the line-up of seven Raelettes in Livin' For The City. When they planned the show, the producers did not schedule The Ray Charles Orchestra or The Raelettes to be on it. In stead, they planned everything with studio musicians, and fake Raelettes (possibly the girls that also acted that role in the Pepsi commercials).
David Hoffman remembers: "When Ray heard this he nixed that idea, saying he wanted his band behind him. [...] So we had "all 5", plus 3 that were part of the first booking. The original plan was to put the fake-ettes in front, dancing around like the Pepsi girls [...], and the real Raelettes on the side [...]. Ray nixed this idea as well, saying the Raelettes would be in front, and the fake-ettes on the side or in the back. I'm not sure how 8 became 7 [...]. I seem to recall that one of them walked because she wasn't going to be front and center."
Nils Johnson has similar reminiscences about the role of the band's rhythm section: "Peter Turre and I were out in the audience seats listening to Ray and the band rehearse the first tune with whoever it was he was singing a duet with. Neil Stubenhaus and Harvey Mason were playing bass and drums. The plan was for those 2 to play everything except Ray's solo band numbers, which is the only thing Peter and I were supposed to play. The next thing we knew, Ray stopped everything, called Joe Hunter over and said something to him. Joe comes down to us lounging in our seats and says, "Ray says whenever he's on stage playing you two are on stage playing!" So Pete and I ended up playing most of the show except the commercial bumpers and 4 solo numbers that other people were singing. We went from the rhythm section guys who were supposed to play the least to the guys who played the most! [...]".
Cast members: Whoopi Goldberg, Quincy Jones, Robert Townsend, MC Hammer, Stevie Wonder, Michael Bolton, Randy Travis, Willie Nelson, Michael McDonald, James Ingram, Tevin Campbell, Paul McCartney, Bill Cosby, Gloria Estefan, Patti LaBelle, Gladys Knight, Tony Toni Tone.
* Though they had been longtime friends, Living For The City was the first song written by Stevie Wonder that Ray felt was right for him to record (Renaissance, 1975): "I do it a lot differently than Stevie; I cut out a lot of the musical flourishes and I put that long rap in the middle, talkin' 'bout the rats and roaches." The song earned Ray a Grammy Award in 1975 for Best Rhythm & Blues Vocal Performance, Male.
- What'd I Say
- Hallelujah (I Love Her So) [by Stevie Wonder]
- Living For The City [with Stevie Wonder]
- Busted [with Willie Nelson]
- Never Stop! [by Brand New Heavies]
- Georgia On My Mind [with Michael Bolton]
- Your Cheatin' Heart [by Randy Travis]
- I Can't Stop Loving You [by James Ingram]
- I Got A Woman [by Michael McDonald
- Just Ask Me To [by Tevin Campbell]
- Just For A Thrill (trumpet solo by Jeff Kaye)
- I Wish I Never Loved You at All (with Gladys Knight)
- Stranger In My Own Home Town
- America The Beautiful (with Stevie Wonder, Quincy Jones, a.o.)
The show was obviously (soft?) sponsored by Pepsi-Cola, that also decided to bring the Uh-Huh! spirit to Russia in the first-ever television commercials for Diet Pepsi seen in the Soviet Republic. Pepsi sponsored the Russian broadcast of the show.
|DVD cover.
Integral show (90 minutes):


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Tires sets for Sale
Name Brand Motorcycle tires are on sale at Compacc.com!
Top motorcycle tire brands like Full Bore Tires, Dunlop Motorcycle Tires, Continental Motorcycle tires, Bridgestone Tires, Shinko Tires and Avon Motorcycle Tires are at super low everyday prices at Compacc.com. We have a courteous and professional staff to assist you in selecting just the right tires for your needs. Call us up and let our staff guide you through our wide inventory and help you pick out the perfect set of tires for your bike.
We sell many styles of Michelin Motorcycle Tires, such as the Michelin Pilot Road 4 and Michelin Pilot Power 2CT. Known the world over for quality and reliability, Michelin Tires are a best seller at Compacc.com. We carry numerous styles of Michelin Tires to suit every need.
Brand name tires are available everyday at Compacc.com, like the Shinko Stealth 003, Shinko Advance 005 and the Michelin Pilot Road 3 tires. Harley Davidson Tires are some of our biggest sellers. Check out the Dunlop D402 Harley Tires and the Dunlop D401 Tires.
Ken-Tool 32114 2 Piece Small Tire Iron Set
Automotive Parts and Accessories (Ken-Tool)
What are the prices of Sears automotive tires?
Automotive tires sold at Sears are offered for varied prices, from under $100 or over $400 per set. These prices vary based on the model and brand of the tire itself.


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I used to breath and live by the motto that I couldn't spend "all that money" on my hair...until I had a couple of very unsettling run-ins with some not-so-very-good hair color results :0 The do-it-yourself approach is always one that I've admired and as a fairly open-minded person, I will at least try something once. But I've learned painfully over the years, that it's not always necessarily the best approach to beauty.
We all have our inner-stylist, although there are some things that are meant to be left to the experts. As my hair is quite a challenge in general with a coarseness and thickness that's incredibly difficult to manage, which is why I felt I needed some professional help with my hair color. When it comes to having scored a great stylist, I consider myself to be fairly lucky as she's fantastic and has done a wonderful job for a few years now.
There is a drawback though to her awesome job and that's the amount of money I end up spending every time I go. It's usually upwards of $200, sometimes less- that I end up paying in the end and I do admit that's not exactly easy for me come by as often as it needs to be done. I've discovered over the past few years though, that there are a few easy tips and steps you can take to prevent that costly expenditure from occurring as often:
- Start with your shower: many may not think of this right away, but it can be a BIG culprit to causing your hair color to fade :0 Why?! Hard minerals like Chlorine that are used to provide safe water, also tend to fade your color and leave your hair looking dull and flat! An easy fix? Swap your current shower head for one that contains a water purification system. An affordable option: Culligan RainDisc Showerhead [$47.99]
- Avoid over-washing your hair and try to keep it around 3 times a week if possible. The constant usage that we provide through our hair care products, does fade your hair's color/dye over time! The reason being, is that your hair's cuticle is lifted due to the cleansing abrasives in most all hair care products, i.e. shampoos and conditioners and it causes hair color to fade in turn :/
- There has been a lot of debate back and forth on whether or not hair products designed to extend color actually work and I'd have to say that for me personally- I've been able to tell big difference. Your color IS going to fade with continued washing and that IS inevitable, however using the right shampoo and conditioner can make all the difference in the world. My FAV right now: Arvazallia Color Care Sulfate Free Shampoo [$36] & Restorative Conditioner [$36]. Make sure to check out my review of these awesome Arvazallia products below! :)
- Deeply condition hair with a good, penetrating moisturizing treatment that also boosts shine, strength, and aids in preserving your hair color as well. Try: Rejuvenating Hair Mask Deep Conditioner from Arvazallia [$45]. This should not be avoided as it's especially needed for color-treated hair that can become dry and brittle from continual application.
- Skip on the reds/redish tones as these WILL fade faster! I'm a lover of the occasional red highlights and I admit that I have noticed this- it's especially apparent when I mix some beautiful red highlights in with blonde. The red ones always seem to fade more quickly. IF you do go for a red color, try utilizing shorter and cooler showers as the hotter temps mean that pigmentation tends to escape at a greater rate, since your hair tends to be more relaxed!
Sulfate Free Shampoo
for Color Treated Hair
I've actually gotten the chance to try out Arvazallia's hair care products before and I was really hoping they would come out with a line specifically for color-treated hair! When they finally did, I knew I had to get my hands on some ;) Their other hair care products are also excellent for dyed hair as they don't contain sulfates or parabens, but this line in particular is extra nourishing for the challenges that coloring your hair can bring!
I will say though, that as fantastic as these products are, they are wonderful for ALL hair types too. The shampoo really has the consistency of most high-quality shampoos you find today, BUT it doesn't contain all of the usual harsh ingredients. It won't leave your hair feeling dry or brittle and instead leaves it nicely moisturized and smooth. This product also works very well in tandem with the conditioner I also reviewing today and as an added bonus, the smell it awesome!
Advanced Color Care Restorative Conditioner for Color Treated Hair
Have you been seeking an effective conditioner that doesn't strip your hair of it's essential oils, leaving it super soft...without all of the yucky ingredients?! This is THE conditioner for you :) I would recommend this one for most hair types and you will definitely notice the improvement in shine, strength, and hydration with just the first usage.
It also has a great scent as the shampoo does and doesn't leave your limp or dull. I would highly recommend this product to anyone wanting to rid their hair care of the bad stuff and bring in the natural and positive ingredients that make a real difference to hair health! You will LOVE this conditioner!
Rejuvenating Hair Mask & Deep Conditioner for Color Treated Hair
This is DEF the BEST conditioning treatment I've run across for hair in a LONG time! I was impressed with how absolutely soft and luxurious my hair felt after just one application- I have been truly amazed by the results. It was a LOT easier to style my hair as well and there was no frizziness or dullness to speak of. My hair felt ultra hydrated, even the next day!
If you've been seeking "The One" in regards to the perfect hair treatment, this is the way to go :) The slight drawback might be the pricing for some, however I can attest to this product's quality and effectiveness- making it a great deal in my book! Plus, you don't have to use much of this super creamy formula for application, which means you won't go through it as often as you might think- even with weekly usage.


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Starring natural marble tiling on the floor, walls and feature areas, this space gives the ultimate luxury feel. The double inset bathtub along with the non-negotiable BAGNOTV allows our clients to soak up and relax with ease in the bath. The large walk in shower area with the addition of a softstone shower tray achieves a soft underfoot feel and helps to enhance the user experience for a speedy morning routine. The natural marble wall and floor tiles in conjunction with the black marble mosaic feature has created one of our most elegant master ensuites to date.
Our client was looking to create a timeless feel that tied in with his new build home, making elegance and storage to be the two must-haves. We did this with the use of some of our latest products, as well as a double vanity which included bespoke veneered drawers and tall storage cabinets to incorporate plenty of extra space to store products, etc.
This is definitely a project we want to shout about and showcases a style we would like to recreate in many bathrooms across the UK.


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This Is How Long You Should Sleep According To Your Age
Everyone is aware that sleep and rest are extremely important for our health as well as our development. That is why there are different recommendations by experts who give advice for the sleeping habits and sleep duration as well.
The National Sleep Foundation said that the sleeping time can be determined by our age and how much time should we sleep in order to get the energy we need. This also helps for mental clarity and maximum health.
Sleeping problems can happen because of nowadays modern technology and stress as well. If you are stressed out you will have increased coritsol production. Cortisol is the stress hormone and if it is high it can cause sleeping restlessness, discomfort and sickness.
Modern technology has a bad influence as well as it stops our brain from releasing melatonin and the reason is because the human body can produce hormones in the dark.
These problems will eventually be the reason for physical tiredness, not being able to think clearly or make decisions and not being able to concentrate. In the end it can be the reason for losing appetite and cause different health problems as well.
That is the reason why it is very important to have enough sleep and this will help you to prevent additional health problems. This means that if you sleep less than 5 hours you can have serious consequences over your heart health, and if you sleep less than 7 hours you can gain more weight, diabetes or obesity.
That is why it is important to see and check the recommended sleeping time according to your age.
Charles Czeisler from the Harvard University made one research with a team of experts. There were different studies starting from 2004 – 2014 and they were made in order to see and learn the effects and how sleep can affect our health.
They made the following conclusions which you should rely on:
– Newborn (0 – 3 months) should get 14 – 17 hours of sleep.
– Babies (4 – 11 months) should get 12 – 15 hours of sleep.
– Child (1 – 2 years) should get from 11 – 14 hours of sleep.
– Preschool (3 – 5 years) should get 10 to 13 hours of sleep.
– School Age (6 – 13 years) should get 9 to 11 hours of sleep.
– Teens (14 – 17 years) should get from 8 to 10 hours of sleep.
– Youth (18 – 25 years) should get 7 to 9 hours of sleep.
– Adults (26 – 64 years) should get 7 to 9 hours of sleep.
– Senior (older than 65 years) should get 7 to 8 hours of sleep.
That was the optimal times for sleeping. However, every person and organism is different, which means that everyone should get different sleeping hours.
However, you should note that sleep and rest are extremely important and lack of them can be the reason for different health problems.
Additionally there are different tips and tricks that can help you to have a better sleep and rest.
1. Have a sleeping schedule – it is recommended to have a proper time of falling asleep and waking up. It is important to go to bed and wake up at the same time and be consistent. If you have problem to fall asleep in the first 20 minutes, go and try to do something that will relax you.
2. Eat and drink the good stuff – it is important not to go to bed stuffed or hungry. Do not have heavy meals before going to bed, because you will feel discomfort. Choose your meals and drink wisely.
3. Have a restful environment – the room you will sleep has to be cooled down, quiet and dark. It could be more difficult to fall asleep if the room is light. You should practice techniques that can relax you.
4. Do not sleep a lot during day time – the ideal time for lap is nearly 30 minutes. Limit this time and you won't have problems during night.
5. Be physically active – it can help you to promote your sleep and do not do it very close to bedtime.
6. Manage worries – it is important not to worry or think about problems before going to bed as this will impede your sleep.


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Health Insurance and Life Insurance Explained
Health insurance is designed to protect someone against having to pay out of pocket for expensive medical bills by offering coverage for different medical procedures and treatments.
Life insurance is totally different and is designed to pay a lump sum of money to whomever the policyholder specified should receive the money in the event of their death.
Life insurance policies are generally sold as either a whole life or term life policy. The simplest form of insurance is term life insurance. This is also the most inexpensive form because it only pays out when the policy holder dies. Term life insurance can be bought for as short as one year to as long as thirty.
For there to be a pay out from a term life insurance the policy holder must die within the term of the policy. Commonly those who opt for term life insurance policy feel that they are in the later years of their life or if they feel like they are at more risk for a short period of time.
A whole life insurance policy is both a term life insurance policy as well as an investment plan. Every premium that is paid into a whole life insurance policy is divided into the two. The portion of the premium that is assigned for investment purposes such stocks and bonds is personally selected by the policy holder.
There are a lot of people who opt for whole life insurance because it offers the protection for their family as well as a savings that is commonly reserved for retirement. Be selective with these policies because they often come with both fees and commissions so they may not always be the wisest form of investment. Be sure to take all costs into consideration before signing anything.
The costs involved in both life insurance and health insurance are heavily based upon the policy holder's ages and state of health and younger people generally get lower rates. Even though they are based on some of the same factors they are quite different in coverage.
Many people still think you have to choose between life and health other like they are similar to each other. Each different policy has their own specific importance and for some people both are necessary.
Many employers are offering health coverage with the ability to purchase additional life insurance. If this is an option for you then take advantage. Generally with employer's health and life insurance policies are offered at a group discounted rate.
Choosing between the two comes down to personal needs and financial circumstances. If you are only able to afford one then you should go with health insurance. People get hurt and sick everyday. With the high prices of the hospital and ambulance one visit could leave you hurting financially for years.
You may consider buying a term life insurance if you are facing huge medical bills and have no health insurance. This won't help you right now but at least it will help your family financially in the event of your death.


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Obama directs overhaul of overtime pay rules
President Obama on Thursday directed an overhaul of overtime pay rules, in a move to allow potentially millions more workers to qualify for time-and-a-half pay.
Business groups already are warning the decision could backfire on workers, but Obama pledged to work with both businesses and workers as the new rules are crafted.
"We've got to build an economy that works for everybody, not just for a few," he said. "Today, I'm gonna use my pen to give more Americans the chance to earn overtime pay that they deserve. ... If you have to work more, you should get paid more."
Obama signed a presidential memorandum directing the Labor Department to propose rules that expand the number of employees who benefit from overtime pay. It marked one of Obama's widest-reaching executive actions so far.
The rules would be aimed at salaried workers who make more than $455 a week and those who are ineligible for overtime because they are designated as management even though their supervisory duties are minimal.
The rules do not require congressional action but could take more than a year to implement.
Obama has put a focus this year on increasing worker pay, including a call for Congress to increase the federal minimum wage from $7.25 an hour to $10.10. He also issued an executive order requiring federal contractors to abide by the higher minimum wage.
In his memorandum, Obama directed the Labor Department to recommend new regulations that could increase the salary threshold for overtime eligibility and to change the definition of what constitutes a supervisor.
Obama's attention to overtime dovetails with his emphasis on correcting wage disparities, a theme that he has said will be central to the remainder of his presidential term. It also serves his political ends during a midterm election year, giving him a populist issue along with his calls for a higher minimum wage and better pay for women.
The salary-per-week limit separating those who get overtime and those who don't was increased to $455 in 2004 during the Bush administration. At the time, it hadn't been increased since the mid-1970s.
"What we know right now is the threshold has been eroded by inflation, and there 3.1 million people who, if the threshold had kept up just with inflation, would automatically be covered by overtime provisions," said Betsey Stevenson, a member of Obama's Council of Economic Advisers.
Business groups said any forced increase in wages has consequences that could affect employment, prices and the survival of certain companies which, they said, already have to comply with requirements of a new health care law.
"Similar to minimum wage, these changes in overtime rules will fall most harshly on small- and medium-sized businesses, who are already trying to figure out the impact of Obamacare on them," said Marc Freedman, executive director of Labor Law Policy for the U.S. Chamber of Commerce.
The Associated Press contributed to this report.


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This is week 21 of Photo 52.2 and this week we are looking at shooting from below. Last week we shot from above and it was wonderful seeing all the different perspectives. To see all the images of shooting from below, click HERE.
Here is my shot for this week, shooting from below.


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My Classroom
4 comments:
- Múinteoir Amy said...
Wow! I love your classroom :) Hope you don't mind if I borrow an idea or two :)
- November 8, 2015 at 2:35 PM
I would love to be in 5th grade in your room! It is so welcoming!
- April 28, 2016 at 5:58 PM
- Deana Petch said...
Great library!! Wow! Love the recommendations! I see you have a dust pan at each table, what is that hanging on?
- July 2, 2016 at 1:08 AM
- Deana Petch said...
I'm sorry, one more question, where were you able to get the evidence and annotating signs? Did you make those? Love them!!!
- July 2, 2016 at 1:11 AM
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"Floral Birds @ Instagram"
Fashion Case A/W17 iPhone 6/6s Plus Floral Birds
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In the May 2015 issue of ELLE, Victoria Coren Mitchell dedicated her column to the issue of voting. During the most hotly contested General Election in decades, her words are all the more significant. Read the unmissable feature in full.
I have three friends who will not be voting in the General Election. One of them is an Occupy type, a political radical, a Russell Brand fan, who thinks voting is not the way to create change. One is a gambler who's always on the golf course or in the casino, never watches the news and has opted out of the normal world. The third will be abroad on election day and didn't bother registering for a postal vote. They are all men.
So easy for men, isn't it? They've been able to vote for hundreds of years. (Not all men; for a lot of those years, there were qualifying rules about property ownership. But until 1918 it was no women at all. Voting was an entirely male thing.)
Isn't that weird? Female suffrage is not even a hundred years old! Less than a century ago, women just like us – with opinions, boyfriends, bad hair days; women who read books and listened to music; women who talked and argued and ate and drank; living, breathing, adult people – had no say in their own political fates.
Men are free to shrug off voting in the same way that beautiful people can cut their own hair with nail scissors and fall asleep with make-up on, or rich people can smash up new cars for fun, or couples who conceive at the drop of a hat can moan about their kids not being smart enough: it's easy to be dismissive of something that came to you easily.
But if you had to fight, you can't and mustn't take the prize for granted. Women should never, ever fail to use their votes.
Plenty of people will say that politicians are all the same, so there is no meaningful choice and you might as well not bother. But even if they are all the same, it's still logical to vote.
One of the things that makes them all the same is: they all want power. This doesn't have to be bad in itself – I've met some deeply well-meaning, bright, kind MPs who want power for decent reasons – but they all want it. To get power, under current rules, they need votes. And to get votes, they will attempt to address what is relevant to large numbers of voters.
If women don't bother voting, then Westminster won't bother thinking about what women want. It won't need to! Non-voting women aren't affecting the fates of politicians! But if women vote in large numbers then Westminster will try to please them, even if only for cynical reasons.
Just look at the Scottish independence vote. It was a truly exciting time, because nearly the entire country took part. It felt properly democratic, as though people really cared about controlling their own destinies.
The Scottish genius writer-director-performer Armando Iannucci wrote later: 'The 45% who voted yes to independence in Scotland, because it was so large and because it was underwritten by the force of an 84.5% turnout, is driving the agenda in Scottish politics as powerfully as if it had been on the winning side.'
In other words, those who voted for an independent Scotland, even though they didn't win outright, are still getting a better deal from Westminster just because they turned up and made their voices heard. Politicians are vying to get their votes in the future, to make them happier, as an act of self-preservation.
Now imagine the same thing, but women. A massive female turnout would motivate politicians to put women's issues on the agenda. They'd want to win all those empowering votes for themselves next time. Even if only for selfish reasons, they would have to please and satisfy those voters, and address what they (we) want done.
It might be tax-deductible childcare, tougher and more sophisticated rape laws, stronger pressure on misogynistic regimes around the world, VAT-free Tampax, greater equality in the workplace, more help fleeing from domestic violence – take your pick, from all the issues that loom large for women but possibly not for Parliament because there are so few women employed there. But these things will be addressed by politicians – if they can see that their own lives, careers, fates and incomes might be dependent on an overwhelming female vote.
Myself, I've never voted very cleverly. I don't pore over all the manifestos or grill the local representatives when they come round. In my life, so far, I've treated the political parties like football teams: picked my favourite early on and stuck with it through thick and thin. So far.
It might always change. And I've never missed an election, never failed to show up. So every party has to care about what I care about, at least occasionally, because my vote matters. If you don't use your vote, then it doesn't. And, to the people in power, neither do you.


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Client: Random House UK
"Colorless Tsukuru Tazaki and His Years of Pilgrimage" by Haruki Muaraki, published by Harvill Secker, London, 2014, contains a sheet of stickers which readers could enjoy applying on the cover of the book. I was among five Japanese illustrators who were asked to illustrate the stickers. My illustrations show the character of Shiro. The book was designed by Suzanne Dean.


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Important tips for safe wet-weather driving
- 1 comment
Driving in wet weather can be challenging, especially when you're taking a road trip. However, the elements don't have to dampen your enthusiasm for hitting the road.
To ensure the weather has as minimal impact on your holiday plans as possible, it's vital that you are prepared for the conditions. To help, we've put together a few important tips to keep you safe when driving in wet weather.
Prepare your vehicle for wet-weather driving
Before you hit the road, it's essential that your vehicle is equipped to deal with wet weather. Make a checklist and address the following:
- Have you checked that your vehicle's brakes are wet-weather ready?
- Do the tyres have tread that is satisfactory for the conditions? Remember, you need more tread when driving in wet weather.
- Do the tyres have adequate air pressure? Proper tyre pressure and tread help to avoid aquaplaning (a scenario where a layer of water forms between the vehicle's wheels and the road surface, resulting in traction loss).
- Are your windscreen wipers in good nick? When it rains, sub-standard windscreen wipers are about as useful as air conditioning in Antarctica.
- Is your windscreen clean inside and out? If vision is already poor, it's integral that you do everything you can to maximise your ability to be able to see.
What to do when driving in the rain
Once you're on the road, there are a few important tips for driving in the rain that will help to keep you and your passengers safe, along with fellow road users.
Make your vehicle visible: First things first – turn your headlights to low beam (never high beam). This will increase your visibility and make you more visible to other drivers. Also, use your air-conditioner or demister, as it will stop your windows fogging up.
Slow down: Although you're excited about the impending break, it's critical you don't give the accelerator as much love as you would if conditions were dry. Roads are slippery, reaction times are slower, and visibility is reduced – these factors mean it's imperative that you take it easy.
Give other vehicles plenty of space: If you need to brake quickly when driving in the wet, remember it will take you longer to do so than if you were negotiating a dry road. To avoid a nasty accident, increase the space between your vehicle and that in front of you. A six-second gap is a good guide.
Follow the line: While it's important to keep a safe distance between you and the vehicle in front, it also helps to drive 'in' the tracks of the car you are tailing. This can help to reduce the level of water between the road and your vehicle's tyres.
Be calm if skidding: If you find yourself skidding, this advice would need to have been planted in your head well before the event: do not slam on the brakes, and be sure to ease your foot off the accelerator. If your vehicle doesn't have an anti-lock braking system (ABS), avoid using your brakes altogether. If your vehicle is equipped with ABS, apply firm, solid pressure to the brakes and steer the car into the skid. This will help bring your vehicle's back end in line with its front.
Avoid cruise control: It's best to avoid using cruise control in wet weather for a host of reasons. Among them is a need for sustained speed adjustments in wet weather, which cruise control does not allow for.
Be patient: If the rain becomes too heavy, the advice is simple: pull over! Be patient; your BIG4 accommodation isn't going anywhere.
Do you have any wet-weather driving tips to add? Please leave a comment below.
Find & book your holiday accommodation with BIG4
Estimating your equipment size
We are looking for an estimate of the size of your Caravan, Motorhome, Camper Trailer, Tent etc. once it has been set up or fully extended (outside to outside)... excluding your vehicle.
Caravans, Motorhomes, Camper Vans, Camper Trailers
Please include your tow/draw bar in the estimate.
Widths are generally around 4 – 5 metres (13.12 – 16.4 feet).
Note: Include annexes of pullouts in width.
|Average Lengths:
|4 – 12 metres (13.12 – 39.37 feet)
|7 – 14 metres (22.97 – 45.93 feet)
|5 – 7 metres (16.40 – 22.97 feet)
|Fifth wheelers
|7 – 14 metres (22.97 – 45.93 feet)
|Camper Trailers
|5 – 8 metres (16.40 – 26.25 feet)
Note: Do not include the size of the tent pegs
|1 person
|1 × 2.5 metres (3.28 × 8.20 feet)
|2 person
|1.5 × 2.5 metres (4.92 × 8.20 feet)
|3 person
|3 × 2.5 metres (9.84 × 8.20 feet)
|4 person
|4.5 × 2.5 metres (14.76 × 8.20 feet)
|5 person
|6 × 3 metres (19.69 × 9.84 feet)
|6+ person
|7 × 4.5 metres (22.97 × 14.76 feet)
Please be advised that Site sizes vary from park to park and within each park. Sites will be allocated based on the measurements provided during the booking process and it is the responsibility of the guest to ensure estimates are as close to accurate as possible.
If you are unsure, we would prefer you to overestimate or give us a call on 1300 738 044
1 comment on "Important tips for safe wet-weather driving"
Burt Brothers
22 April 2017 at 5:14 am
It is a must to take caution when driving especially in a wet weather. Most accidents happen during this time, drive slowly and see to it that you follow all the road signs. Take time to have your car checked too to make sure that it is in its best condition.
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this & that
Have you seen the pictures of Tory Burch's new store on Rodeo Drive? Once again they killed it, so classic yet totally chic and modern at the same time. Did you hit up J.Crew's great sale this weekend? {extra 40% off sale items with code FUNSALE } I picked up this fun beach coverup, but also had my eye on this swiss dot tuxedo shirt. Serena and Lily came out with their new spring arrivals. As always I am so impressed with all their pieces, especially the updated colors of the Medallion collection.


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a silly note
Dear creative block,
you are much too large and are keeping me from accomplishing much more than I am, currently. You sir are a dark cloud on an otherwise bright sunny day. I simply don't know what to do with you; you fill my blog with an empty void that does not inspire, does not invoke feelings of joy or peace, but brings about disdain, frustration and overall ickyness. Yep, ickyness. I don't like you. There, I said it. I don't think you're necessary, though I admire your perseverance, I cannot, will not, stop creating. So, any time you feel like moving along, I would much appreciate it and would be fine with seeing you off. Don't get me wrong, I'm not angry with you; you challenge me and push me to endure and push on past you, but it doesn't change the facts. The fact is, I'm stronger than you and soon, we will no longer co exist. Sorry you don't have any friends, but currently I'm seeking friendship with inspiration and creativity and last I heard, y'all weren't on good terms. So in closing, it's been real, but you got to get! I'm over you.
Y'all ever have creative block?? Yep, there's one right up in my face. I'm going to hit the refresh button on my life and hopefully come back with something new and exciting. Thanks for your patience.


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Planners Backtrack on Reform of Parking Standards
"Ever since the 2005 publication of UCLA professor Don Shoup's book, The High Cost of Free Parking, the relaxation of parking minimums has been seen by many planners as the next best thing to manufacturing new land. Yet, the introduction of a bill that would enact a modest page from the Shoup playbook has roused opposition from a surprising source: the American Planning Association," writes Josh Stephens.
"'The primary issue is that it's a one-size fits all statewide standard," said APA California Vice President for Policy and Legislation David Snow. "While APA supports the concept that this bill puts forward .from APA's perspective, a uniform standard from the state that doesn't take into account local considerations isn't the appropriate way forward.'"
APA California also contends that, by imposing lower parking requirements, cities would be less inclined to support transit and to support higher, denser infill development. APA California acknowledges that many cities want to "grow up and not out" and calls such a strategy "responsible." In that sense, the APA and Infill Builders Association would typically be considered natural allies.
Streetsblog Los Angeles has reprinted a letter authored by Shoup himself discussing, "his reasoning for supporting the bill and displeasure that the Cal APA would oppose the bill without consulting its membership."
Thanks to Josh Stephens


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CityScape Movie Nights | 2nd Fridays
Join more than 1,200 guests to watch feature films on the big screen outdoors at this family friendly event that includes giveaways, special-themed contests, and prizes.
Check CityScape's Facebook page for a listing of movies in their Events section.
Past films shown include Spaceballs, Bolt, Zootopia and the Princess Bride, among others.
CityScape hosts City Lights Movie Nights in association with Downtown Phoenix, Inc. www.DTPHX.org.


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Capture your family in a fun iron sculpture made just for you by a professional blacksmith. These little sculptures have been very popular for us and we were excited to bring them to the world of Etsy.
These make a great gift for friends or family during the holiday season and are sure to bring a smile to the face of even the most Scrooge-ish recipient.
This price includes 3 little people. Each additional person is $12.00. If you require more than three people, please purchase them using our listing called "Little Iron people - extra figure", which can be found here: https://www.etsy.com/listing/183947436/little-iron-people-extra-figure?
These are custom orders since every family is different. We request that you provide us with a picture of your family if possible so that we can capture everyones personality in the piece. If you cannot provide a picture, please at least let us know the ages and approximate heights of everyone. Please understand that we use our artistic license to interpret your family and it may not look exactly like the sculpture pictured.


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So that's Sony, Casio and Panasonic. Who's next?
Hot on the heels of Casio's announcement on Tuesday of its new 12.1-megapixel camera, Panasonic has announced that it is shortly to be launching a camera with 12.2 megapixel resolution. That's "a whole 0.1 megapixels more!" Since Sony has already announced its 12MP Cyber-shot DSC-W200, it can only be a matter of time before Nikon, Canon, Olympus, Pentax and Samsung follow suit. It looks like the rather tiresome megapixel arms race is back on with a vengeance.
The new Lumix DMC-FX100 features a Leica-branded 3.6x zoom lens with a maximum aperture of f/2.8 and a wide-angle focal length equivalent to 28mm. The camera incorporates a new and relatively large 1/1.72-inch CCD with 12.2-megapixel resolution, so hopefully it should avoid the image noise issues previously associated with very high resolution CCD sensors. Although since the camera has the same Venus III image processing engine as the rest of Panasonic's latest range, this is something I'll be looking at when I get to review the new model.
Other key features include Panasonic's excellent Mega OIS anti-shake system, 2 frames per second continuous shooting and an interesting movie mode which can record wide aspect VGA (640 x 480) and WVGA (848 x 480) video at 30 frames per second, as well as wide-aspect HD (1280 x 720) video at 15 frames per second.
The DMC-FX100 will be available in either black or silver, and will hopefully be in the shops from July, although a price is yet to be announced.


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Hello there & thanks for stopping by my blog today.
On Saturday I went to Alexander Palace with my Mum. Love going there, although I must say that there did not seem to be as many stalls or people! regardless we enjoyed the day & still spent our money, Lol.
I would love to try out the NEC in Birmingham, any info on this would be great.
Today I am going to share a Little Mermaid Cake that I made for my Daughters Niece for her 3rd birthday.
I am going to show you pics all around the cake.
The bottom tier was Madiera and the top tier chocolate.
My Daughter purchased all the figures which are on the cake.
Hope you enjoy looking & will enjoy reading your comments. I will then pop on over & visit you too.


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Have you got some freestyle skills on your skis or snowboard?
The team at The Snow Centre Hemel Hempstead are offering talented snow lovers the chance to work with them as a sponsored rider on their Freestyle Team.
For the chance to be part of a small group of riders who can help The Snow Centre inspire the next generation of snow enthusiasts, download an application form from www. thesnowcentre.com/freestyle/academy/sponsored-riders then email the completed form to firstname.lastname@example.com before February 28.


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Brian Imfeld
Artist Statement
Can we understand anything absolutely and completely? Even if we study and measure every quality we see, there are important characteristics that are beyond our ability to measure. Measuring and organizing helps everyone to better understand how the world works. But the full picture is still always slightly, we hope only slightly, beyond full comprehension.
My work is compositionally inspired by the visual language of graphs, charts, and writing. When I plan and lay out my work, I incorporate grids, consider margins, and arrange symbols to create a space where the placement of something has meaning and is in part defined by our experiences with other visual forms of communications. Grid lines could divide individuals or highlight their commonalities, and a line graph could represent changes between two points but could also be a horizon line. As I collect data for each piece, I determine a layer by layer procedure to incorporate each piece of information into the same space.
I choose many of my materials for the textures they allow me to create. My aim is to elicit an impression about the environment of the artwork; similar to the way walking in the sand or stepping on broken glass might also conjure an impression. Incorporating found objects and unconventional art-making materials allows the nature of the materials to represent for me unclear characteristics that cannot be defined or quantified. Spread over the entire surface, these non-quantifiables are present everywhere.
As a constant observer, I always feel that if I continue to look at a problem I may find a new perspective from which to see it. Through my art-making process, I might determine where I exist within the composition. And maybe you can see yourself somewhere in the grid also.
Brian Imfeld was born in 1978 in Beaufort, South Carolina. As the son of military parents he studied and learned in many towns and cities in the eastern United States. In 2001, Brian earned his BFA in Printmaking and BS in Art from Miami University in Oxford, Ohio. His work has been included in exhibitions in Ohio and North Carolina. He recently exhibited a piece in the 2017 North Carolina Artist Exhibit at the Duke Energy Center in Raleigh, NC. Brian currently lives and works as an Art teacher in Raleigh, NC.


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The administration's proposed budget is a non-starter for our national parks, our environment, and our cultural heritage, and should be dead on arrival in Congress. Agencies like the National Park Service and EPA cannot take care of our treasured landscapes and historical landmarks with further cuts to what are already shoestring budgets.
John Garder, Budget Director, National Parks Conservation Association


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The battle over screen time is constant in our house. It's very difficult to set boundaries and stick to them. Sometimes, I'm just too tired to go to war over the iPad. But, studies show that kids are getting 400 percent more screen time than they should and what it's doing to their brains is not good.
According to Dr. Robert Melillo, co-founder of Brain Balance Achievement Centers a holistic, drug-free approach to addressing behavioral, social, and learning difficulties, the average kid has 7.5 hours of screen time per day. That is six hours more than the recommended 1.5 hours.
Studies show that excess screen time inhibits right brain development. This leads to short attention spans and inhibited social development. Yikes. I just hate it that these devices have completely taken over our world and hijacked the brains of Gen Z, also known as the Homeland Generation.
Here are three way to reduce screen time this summer:
Screen-Free Academics
Many parents turn to "educational" apps to feel better about screen time, but a screen is still a screen. To encourage traditional childhood learning, present your kids with an array of books or academic workbooks, or take them to museums. (We've signed up for a summer reading program. We've also planned a few museum adventures.)
Summer Camp
Try enrolling your child in a summer camp, but be sure the camp is strictly screen-free. There are many creative camps that include arts and crafts, musical theatre, and dancing, or a sports-oriented program that encourages outdoor activities like swimming and soccer. We're doing lots of screen-free camps this summer. My very favorite are Riversport Adventure Camps in Oklahoma City. The kids come home tired and happy.
Alternative Outdoor Activities
Screens can be used as an easy tactic to calm a difficult child. If your child tends to lack focus, they might also get bored while playing games. You may find yourself giving in and allowing them to watch more TV or iPad shows than you would normally approve of. Outdoor activities are an alternative way to pique their interest. Some of our favorite outdoor activities are gardening and bike-riding. We also like to go to picking farms during the summer. We like Buffalo Creek Berry Farm near Mustang.
Since the right hemisphere of the brain regulates impulsivity, attention, and socially appropriate behavior, a child with decreased right brain activity may be hyperactive, oppositional, disruptive, and often distracted. To see if your child's screen use might be linked to a brain imbalance, take this simple online assessment: https://www.
The following infographic is from Project Lead The Way. It highlights summer stem activities. (I'm also a big fan of STEAM, which incorporates the ARTS into STEM learning.) As we all know, kids experience harmful learning loss over the summer. While we all enjoy summer vacation, (it's a great tradition across most of America), it predates today's understanding of how kids learn best.
Did you know kids can lose up to two months of reading and math skills over summer? Teachers spend several weeks covering old material just to catch kids up. Fortunately, even minimal mental engagement can prevent losing ground.
How are you fighting screen time this summer?


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The child carrier rain cover fits all LittleLife child carriers and will keep your precious cargo nice and dry on blustery days. This waterproof cover with simple aluminium frame will protect both child and carrier. The front window can be rolled up or left down for complete protection.
Note for Parents: Suitable for use with all LittleLife Child Carriers.
January 08, 2018
Fantastic piece of equipment, I wish we had bought it sooner, my 22 month old daughter loved from trying her out in it, now she is reluctant to get out of it when we get to our destination. This the Ranger has allowed to finally go for proper walks in the countryside with our daughter.
June 13, 2017
It's brilliant little lad loves it. It's given us the freedom to get out and about to places a pram can't go
April 18, 2016
As usual, very satisfied. First time I had been a little bit clumsy but now I can cover my wee bairn when it's raining. Maybe the bag could be designed to be attached to the carrier.
February 16, 2018
Bought this, and the sun shade, as a 'Just in case' Looks like it will do the job perfectly. Packs away nice and neatly and carried in the backpack. Highly recommend
August 16, 2016
Fits well but stand needs to be pushed in on adventurer or it won't fit fully, so this limits what can be put in bottom pocket of adventurer carrier. Little fiddly to get back in carry case but will go back in. Need to put child in carrier prior to putting on cover but this is no different to the sunshade. Good value for money.
May 01, 2018
Very easy to put onto our carrier, covers our little boy completely, easy to still get access to the bottom zipped pocket with cover on and best of all our baby boy still loved being in the carrier with it on and even fell asleep first time! Really happy with it and only wish we'd got one sooner for our first baby.
Embrace family life, your greatest adventure yet - with confidence and freedom.
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This sense of a democracy of interlocutors in Obrist's interviews, the suspicion that between and beneath these conversations others are going on even as he and his current interviewee speak, is partly a matter of the discursive form of the Q&A. In an interview with Paul Rabinow in 1984, Michel Foucault expressed an antipathy toward polemics, preferring instead the interview or dialogue. Questions and answers, he said, "depend on a game — a game that is at once pleasant and difficult — in which each of the two partners takes pains to use only the rights given him by the other and by the accepted form of dialogue." (The polemicist, on the other hand, "proceeds encased in privileges that he possesses in advance.") Obrist's interviews attempt to go further, to establish the rules for an infinite conversation and street plans for unrealizable routes.
Hans Ulrich Obrist's Conversation Series by M/M Paris
By John, John | Published: August 19, 2010
Images: M/M via But Does It Float
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Yoga Maris on Fearless Blogging
Yoga Maris on Fearless Blogging
On the Internet, it is very easy to fall prey to what I like to call The Highlight Reel Effect.
While you may have never heard of this term before, I can almost guarantee that you've experienced it in one form or another. The Highlight Reel looks like this: your Facebook feed, your Instagram feed, your Twitter feed, and, perhaps, your personal blog or website. The Highlight Reel looks like pretty pictures of pretty people doing pretty things, or posts that only tell one side of the story, or it may take the form of what you can't see: the things left out to create a better storyline or representation of who you are.
In essence, in a world of social media and an increasing amount of personal blogs, it's very easy to fall victim to the idea that to be successful and respected, you must only share the very best parts of who you are. And this idea is largely subliminal: we very rarely make a conscious choice to be inauthentic, it's just a common symptom of living in a world where we are always being viewed, and consequently, judged.
Consider the times you've chosen which picture to post based on the one you looked best in. Consider the times you've considered writing or sharing about something, before deciding it was too embarrassing, or didn't paint you in the best light, even if you knew the lesson would be of value to your readers. Consider the times you've stretched the truth, left out certain details, or changed the story just enough to make you seem just a little bit better.
That's The Highlight Reel Effect.
And right off the bat, I want to make it clear that just because you've fallen prey to this, doesn't mean you're "a bad person." It means you're human. No one wants to look bad, and certainly no one who is trying to run a successful blog, online business, or social media account wants to look bad. But the problem begins when we confuse "not wanting to look bad" with "needing to look perfect," particularly on a long-term, unaddressed scale.
Not only will this confusion keep you from the achievements of self-love, self-acceptance, and self-confidence, I would argue that it will keep you from finding success in the business or blog you are trying to run.
I first started blogging about a year and a half ago. At the time, I was a 16-year-old who had recently become a certified yoga teacher, and I wanted to establish an online presence to help my newfound teaching career. A large part of my yoga classes revolve not just around the physical asana of the practice, but around life lessons that take place off the mat. My blog, I decided, would be a place where I could write down these lessons, hopefully so that those who couldn't physically be in my classes could benefit from them, and possibly develop a connection with me that would encourage them to come to my classes in the future.
At its core, my blog still remains true to this original intention. However, in the beginning, my blog really didn't garner a lot of attention. Only now, a year and a half later, can I see why: I was trying to be something that I'm not.
Without really being aware of it, I started my blog with a lot of insecurities. I worried that, as a young teacher, I wouldn't be taken seriously, or people would question my authority to speak to big life topics when I hadn't lived a whole lot of life yet. I felt a lot of pressure to have all the answers: to always know that I'd done the right thing, to always be the hero who overcame and came out on top, and to always have a story that was nicely tied up at the end with a pretty bow on it. I felt, in essence, that I had to be a guru.
But here's the thing: I didn't (and still don't) have all the answers. I don't always do the right thing in the moment, and I make a lot of mistakes. And in real life, things don't always end up pretty and perfect- we're often left with more questions than answers and a lot more work to do. And after awhile of blogging with no regard for these facts, I finally received some advice that changed the way I approached both blogging and life: talk about the shit you don't want to talk about.
In fact, the day after receiving that advice, I wrote an article with that very title. In the article, I got very vulnerable and open about my past struggles with depression, anxiety, and an eating disorder that almost took my life. I talked about the parts of the struggles that no one likes to talk about, the fact that there is no real cure, that slip-ups and relapses happen, and that it's a lifelong journey to try and find the right answers that are a constant moving target depending on our context at the time. I admitted that life's actually pretty hard, and, just like everyone else, I'm just rolling with the punches as time goes on.
And that article continues to be one of the most popular pieces I've ever written. It drew attention from websites from around the world- most notably CNN Health. Perhaps most importantly, however, people started connecting. I received letters of support and gratitude from people who were ready to talk about the shit they'd been keeping inside their entire lives, the things they were afraid they were alone in, and finally admit that they're not perfect.
Since then, I've made a conscious effort to blog with what I call fearless authenticity. It's a mindful effort to step away from the temptation to just share the pretty things- the successes, the flattering pictures, the times where you've got it all figured out- and to share everything. The good and the bad. The beautiful and the ugly. The times when you made the right decisions, and the times when you've made all the wrong ones. And not only do I make the decision to share all these things, I've made a commitment to see the learning opportunities and value in living and sharing them.
As time has gone on, I've only seen success in this. I continue to welcome more and more people into my community every day who see themselves in my writing, and take comfort in the reminder that they aren't the only ones who struggle and suffer in life. Because I'm willing to embrace these flaws and determined to stay positive in the face of them on such a public and vulnerable scale, I'm giving others permission to do the same in their own lives. That's the beauty of a life of fearless authenticity: it's a living model for everyone around you.
My biggest advice to new, and even longterm bloggers and business owners, is to remember that no one is perfect- which means your readers aren't, either.
No one wants to read about a perfect life. No one wants to read about how much more happy, successful, and flawless someone else is for long. Eventually, it just breeds the elements of negativity, shame, and jealousy that most are actively trying to rid their lives of- especially if they're online reading self-help blogs. If you're trying to develop a longterm relationship and connection with your readers, you'd be mistaken in thinking that exclusively presenting yourself as perfect is going to do the trick.
People find role models in those they can relate and connect to, people who they can actually picture putting themselves in the shoes of. To develop a relationship that goes far beyond surface-level idolization, you need to develop respect and trust: two things that will naturally be earned if you are willing to break the barriers of The Highlight Reel Effect and dedicate yourself to blogging with fearless authenticity and sharing the ugly parts, too.
Simply put: don't be afraid to talk about the shit you don't want to talk about. That's where the magic happens.
Big thanks to Maris Degener for this article. Follow her at @yogamaris and read more of her wise words at yogamaris.net.
Creative Community Developer at Snapfluence.
I'm the Oxford comma's biggest fan.


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Further draft interpretation note on contingent liabilities
SARS has issued a further draft of the interpretation note on the transfer of contingent liabilities (such as leave pay) where a business is sold as a going concern. The revised draft incorporates a discussion regarding the transfer of contingent liabilities in the context of the group roll-over relief provisions, which generally deal with the transfer of assets only. A contingent liability may be seen to be akin to debt; however, the rollover relief provisions do allow for the transfer of contingent liabilities in certain circumstances.
Supreme Court of Appeal ruling on valuation of shares
The Supreme Court of Appeal handed down a judgment on 30 September 2015 where the valuation of shares sold was called into question. The shares had been acquired prior to the introduction of capital gains tax and the question that arose was what value would be attributed to the shares. A valuation had been performed, but the court held that the valuation did not bear scrutiny as it was fatally flawed. The taxpayer's appeal failed. From the case, it is clear that any valuation used by taxpayers in determining the value of any capital asset will not merely be accepted.
Medium Term Budget Policy
The Medium Term Budget Policy Statement will be presented to Parliament on 21 October 2015 and it will be interesting to note any proposals that will be made.


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Mt Rainier: Pyramid Peak
Thursday, October 9th may turn out to be the last great weather day before typical Northwest conditions set in. With this forecast in mind, my buddy CB joined me for a "closeout" hike under clear skies and decidedly non-fall like temps. I had it in mind to climb up the Success Cleaver at Mount Rainier National Park (MRNP) but that would have been more of a solo trip with a late walk out. Since I had never been up Pyramid Peak (6937') before, it seemed appropriate to tag this summit for a good day hike.
We parked at the Kautz Creek trail head (2400') and started past 7 AM with just enough light. At just under 6 miles we reached Indian Henrys Hunting Ground where we basked in the beautiful weather for some chow on the cabin porch before making our way to the Mirror Lakes trail, where the maintained portion ends at 5400'. However, you wouldn't know it by the obvious and rather fine trail that continues all the way to Pyramid Peak. This day was characterized by cool breezes, vibrant fall colors, clear skies and nary a chill in the air that even hinted at fall. If this is indeed the last good weather day we may see for this season, it was a beaut. The climb to the summit is obvious with no navigation problems and once on top the summit plateau is grassy and rather flat. When I took in the 360 degree views I knew that climbing up the cleaver wouldn't have been nearly as expansive. We looked down on Paradise, across the still clouded Puget Sound, and north toward my last trip to Tokaloo Rock. I was able to scout the Success Cleaver for a future trip that would take me up to about 9,000' with a side trip across the South Tahoma Glacier to Glacier Island. We lounged on the summit for over an hour, watching a Chinook Army helicopter come straight for us and pass by, waving to the pilot in the window....nice day for a low level cruise. CB wanted to be off the trail before dark so we dragged ourselves away and started the descent, running into a lone hiker on his way up and the only other person we would see all day. When we stopped at the cabin for a quick snack it was actually hot, making us marvel that it was indeed October 9th. The hike back out was equally as nice as coming in and we made it to the trail head just past 7 PM, able to complete this later season hike without using headlamps. What a way to (possibly) close out the season of good weather! Although this peak didn't break the 7,000 foot elevation mark that I showcased in the 7Up hikes, it certainly provided some of the best 360 degree views I have experienced in the park.
Stats: 16 miles and 5000'


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Strange times in the SEC, but I suppose it's not too unusual that LSU and Alabama look good in the early going.
I'm still getting used to the absence of people like Les Miles, Steve Spurrier, and Mark Richt.
Less significantly, Hugh Freeze is gone now too. Based on recent developments, Kevin Sumlin may be on his way out as well. It's a tough job and you expect turnover, but it's getting to the point where you can barely get used to people.
Despite managing to win the East the past two years, Florida has been struggling against non-divisional major-conference opponents for a long time. By my count, the Gators have dropped the 16 of the last 20 such contests (see the end of the blog for the list).
So although I've never been a fan, it's been disconcerting to have Florida struggle outside of its own division as well. It's not the Spurrier or Meyer days there anymore for sure.
Moving on to specifics over the weekend, Florida St. (who incidentally is responsible for four of those Gator losses) made me feel a little bit better about the fact that LSU was shut out against Alabama about 10 months ago. That's a pretty talented quarterback with a pretty talented play-caller (actually one of the best), and the Tide held them to only 7 points. LSU had an interim OC and a quarterback who couldn't manage to hold the starting job at Purdue a couple of years before.
The Seminoles' longest run from scrimmage was 9 yards. If that happens to LSU against Alabama, we're most likely going to see another shutout.
I do want to be fair to both Florida St. and Alabama (which did show some weaknesses in giving up 210 passing yards) going forward though. If Florida St. struggles in the passing game this year, it may be due to the season-ending injury of that quarterback at the end of the game. If Alabama's defense doesn't look quite as good, it may be because that unit suffered a couple of season-ending injuries as well.
Going back to Florida for a moment, the score makes the Gators offense looks a lot better than it was because two of the scores were from interception returns. Even without any injuries, Florida may struggle at the QB position more than Florida St. does going forward.
Another program that shouldn't be feeling too good is Texas A&M. When you're paying your head coach $5 million per year and your defensive coordinator $1.55 million, you don't blow a 44-10 lead. That's something that happens to a school where the head coach and DC are lucky to get $1 million per year combined.
So with the big headline scores in the SEC out of the way, I'm going to talk a bit about my Tigers. It might not be quite as impressive as holding Florida St. to 250 total yards; but BYU isn't Savannah St. or anything, and the Cougars were held below 100 total yards for the game.
The negative rushing yardage was the lowest by an LSU opponent since Ole Miss in 1982. The longest run from scrimmage being only six yards was the "lowest long" since Tulane in 1976.
On the LSU rushing side, there will be some criticisms that the Tigers ran too much, but when you average over 5 yards per carry and only have to punt once, you can theoretically run every down without it being "too much".
Although he only threw 17 passes, Danny Etling (the former Purdue quarterback I mentioned) had the highest completion percentage since Zach Mettenberger was 25/29 in Week 6 of 2013. Unlike Mett, Etling didn't throw an interception though. Etling mostly threw short passes, but he did throw one pass for 52 yards and another for 32.
It was far from a perfect game though, as you'd expect from a first game. At halftime of his game Nick Saban said something like, "We made a lot of mistakes, but we got away with most of them." Same applies here to some extent.
LSU did get to third down 10 times, which resulted in 5 conversions, 3 field-goal attempts (1 missed), 1 punt, and 1 failed fourth down attempt. So only 3 of the 10 were complete failures.
Without a deep threat and without the ability to gain speed in space, the offense did sputter at times in the red zone. The failed fourth-down attempt was on the goal line and it looked like a combination of the wrong back and a missed block. I don't think it was a bad play call though.
There could have been some more passing plays called in the red zone, but there were reasons not to call those. When you have less margin for error, there is a greater chance of an interception. LSU's field goal kicking is a work in progress. Giving up a sack could have taken them out of field goal range. Also, since LSU was ahead by 14 or more points for 2/3 of the game, it was obviously in the Tigers' interest to run the clock.
A couple of other minor things that could be problems in the future…
The one LSU drive (the first one) that led to a punt was mostly due to 15 penalty yards. LSU was also penalized a total of 15 yards in the drive that ended in a missed field goal. In total, the Tigers were penalized 10 times for a total of 86 yards in the game.
LSU had a lot of kickoffs, which is good, but on many of them the coverage outran the return team. This is how you give up special teams touchdowns. It didn't happen, but I'm sure there will be someone back to make them pay in some of the SEC games without improvement. The average BYU kick return was still almost 20 yards.
At any rate, I'm more optimistic than I was going into the game. I think the line was 14.5, which seemed about right to me. If anything I thought LSU would win by less than that. I'm impressed by how well the young players did, and to think many of them are second string right now gives me hope for both this season and for the future. We have to go one week at a time, but I have a feeling that we could at least win more big games than we lose in October and November.
I don't anticipate having much to say about LSU after next week's game, but I'm going to consider what kind of blog I want to write in the middle of the week going forward. This will be a much shorter week than normal since I won't have the top 25 until tomorrow.
This was the list of Florida games I referred to earlier.
1/2/13 Louisville (Sugar Bowl) L 23-33
9/7/13 @Miami L 16-21
10/5/13 Arkansas W 30-10
11/30/13 Florida St. L 7-37
9/20/14 @Alabama L 21-42
11/29/14 @Florida St. L 19-24
10/3/15 Ole Miss W 38-10
11/28/15 Florida St. L 2-27
12/5/15 Alabama (SEC Champ) L 15-29
1/1/16 Michigan (Citrus Bowl) L 7-41
11/5/16 @Arkansas L 10-31
11/26/16 @Florida St. L 13-31
12/3/16 Alabama (SEC Champ) L 16-54
1/2/17 Iowa (Outback Bowl) W 30-3
9/2/17 Michigan L 17-33


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You want to know the difference between decimal betting odds and fractional odds?
Like riding a bike, it's simple once you know how…
This post is going to show you how to convert fractional and decimal betting odds time and again with ease. You'll know how to calculate the odds yourself in just a few seconds, without having to look up any kind of conversion table each time.
Decimal Betting Odds Explained (Quickly)
Decimal betting odds tend to confuse most punters, purely because the traditional approach is to use fractions. But in the modern world decimal odds are being used more and more.
Decimal betting odds are used by betting exchanges due to the big jumps in fractional pricing. However, betting with decimals is quite simple.
All you need to do is multiply your stake by the decimal odd to get your pay-out.
That's it…
So, £10 bet at 6.0 pays out £60. (6.0 is the same as 5/1 traditionally)
No need to add on your initial stake like a fractional bet, that's the only difference!
Fractional Betting Odds
Betting in fractions is a little old now although still the most used method of expression. Bookmakers generally prefer this as the large jumps in price suit their bottom line.
Having a bet with fractional odds means you have to multiply your stake by the odds and then add on your initial stake again to work out your overall pay-out.
Converting Fractions to Decimal Betting Odds
Now for the important part. How do you effectively convert fractional odds to decimal betting odds and vice versa?
It's really quite simple, just remember this…
Sum of bookmakers odds + 1 = Exchange odds.
So for example a traditional bookmakers odds of 5/1 is in fact 6.0 in decimal odds.
Calculation: (5 divided by 1 equals 5) plus 1 = 6.0
In terms of betting pay-out you can see they are the same:
- A £10 bet at 5/1 pays out £60 (£50 profit plus your £10 stake)
- A £10 bet at 6.0 pays out £60 (£10 multiplied by 6 equals £60)
See how easy it is?
We've made it as simple as possible for customers by adding profit on our betting slips:
You can see the pay-out (or liability if you're lay betting) before you even place the bet (circled in red).
If you're still a little confused about decimal betting odds conversion then check out the comparisons below:
Fractional Odds Decimal Odds
Evens 2.0
5/4 2.25
6/4 2.5
7/4 2.75
2/1 3.0
5/2 3.5
11/4 3.75
3/1 4.0
7/2 4.5
4/1 5.0
9/2 5.5
5/1 6.0
6/1 7.0
7/1 8.0
You don't just have to back a winner with Betdaq either. You can bet on a loser too…
For more information check out this article about lay betting.


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XPC Zen combines the power of ATI's RADEON 9100 integrated graphics processor and support for the latest DDR400 memory and Pentium® 4 processors, including the just released Prescott processors. Better still, all this technology fits into enclosure that's 20 percent smaller than previous G and G2 series XPC's.
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