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Last week I went to a financial intelligence talk at the Performing Arts Theatre. I was invited by Mr. Robert Chiong, my dad's friend, a mutual fund agent. The talk was supposed to be held last month but it was cancelled due to the flood so the talk was postponed.
The speaker of the talk is Mr. Karthigesu, a former Bank Negara auditor, and now he's doing e-marketing business and coaching. He's also the Indian version of Robert Kiyosaki - Rich Dad, Poor Dad.
Here's a list of 10 positive financial habits to take control of your personal finance:
1. Write down expenses. Get hold of your cash flow and most importantly your expenses. Record them daily either by recording them into a book or into a software such as Microsoft Money. Keep track on your spending, set your monthly budget and eliminate those necessaries.
I'm using Microsoft Money 2006 - yea, I know mine's outdated but it's the only software I had in my PC and it's FREE! - Pirated version of course.
Did you ever write down and record your cash flow? If you never done this before, start now and be an accountant of yourself.
2. Pay yourself first. This one of the most powerful strategy on building wealth. Aside from all your monthly budget on foods, groceries and bills, take 10% of your gross income and put them into the bank or invest them in mutual fund or stocks. You can also hide them under your bed.
Way back during my diploma studies in Miri, I live alone, every month my parents bank in money into my account and I have a habit of keeping 10% of the money into a box - I call it home bank. These money I save in the home bank are used for my wants (ie. Movie DVDs, audio CDs, PC games, movie tickets etc.) and also for emergency needs - you won't know when you need them.
Did you pay yourself yet?
3. Avoid credit card purchase. Unless you are willing to pay the balance on time or you will just build a prison of debt. Credit card is really convenience - no cash? No problem. You just need to do some acrobatic action moves... *swipes swipes*... and land a signature move on the paper. Well done, now you can bring your medal back home.
Most people realize its high annual interest rate but what they don't realize is that they spend more than what they earn - purchasing goods because they come begging. If you have a habit of impulsive "swipes" purchase, you may consider to freeze your cards into ice.
4. Wait for two weeks for MAJOR purchases. Currently I'm not using my desktop computer to do stuff, I'm using my mum's laptop. My desktop has gone hair-wired and I really (need) to have a new personal computer, either a desktop or a laptop, but of course I would prefer to have a desktop. But my dad told me to decides carefully (in one week) whether I really (want) a desktop or a laptop.
Why I want a desktop - graphic and gaming, bigger storage, bigger screen, cheaper, robust and it is easy to replace and upgrade the hardware.
Why I want a laptop - mobility, less cables and cords and less usage of space on my study desk.
Finally, I came out with a decision - laptop, because mobility is my highest priority. So I browsed the laptop flyers I took, looking for laptop that performs almost as powerful as a desktop PC and I found one that really fancy me - ACER Aspire 6935G.
After deciding my dad told me to wait for another two weeks for the major purchase. The reason behind this is:
1. If my desire is emotional, I would realize that I don't really need it.
2. Give time - to plan, save up and budget.
3. Price might probably drop
So if you are about to make a major purchase, wait... Set a waiting period before you buy to determine whether it's a needs or wants. This will definitely help you to save your money.
5. Read money related article. Read at least one article everyday to improve your financial intelligence because it will help you to be more responsible and manage your money effectively thus taking control of your finances.
To be financially literate, you need to have knowledge about money. You might consider buying magazines or google on "financial and money related articles". Get Rich Slowly is my favourite personal finance blog.
6. Shop with a list. The most important thing to do before going out shopping is to make a list on what to buy and make sure you stick to it. This will help you to keep your grocery bill down.
Most of the time when we go out shopping we tend to buy stuff that we don't really need at the moment. With just only 3 items in mind before we step into the stores, we ended up with a packed full trolley at the counter.
Supermarkets are professionally designed to make you, the shopper, shop till you drop. Avoid making eye contact with those eye-catching sexy items that want you to put them in your trolley. They're professionally groomed to catch your eyes so that you fall into their trap.
Be a smart shopper and shop with a list.
7. Have a piggy bank. Make this your habit, put all your loose changes in a piggy bank or coin jar or coin box or whatever you name it. As I grew up I still practice this favourite old-fashioned saving method.
When I was a kid, I still remember that I have three "tiger" banks designated for savings and spending. One is for my bank savings and another two is for toys, comics, foods and other stuff.
As I grew up and become a teenager I only have a coin box for the loose change. But this time I keep track with its flow, how much did I put in and how much did I've spent, and recorded them in a small book. After years of devoted practice, I came up with the home banking idea - a better and well managed piggy bank system.
The idea of having a piggy bank is to promote saving habit - the basic of financial skill. Save your loose changes and put them into the piggy bank and watch the money rolls.
8. Eat in, not out. Dining out has became a very popular trend in our amazingly busy culture nowadays. We knew that dining outside are very costly but we're either just simply too busy or have no time or just lazy to cook.
Whatever your excuses are, dine out less and try to learn eating at home or bring lunch to work/school. Burn the stove or burn a hole in your pocket.
9. Avoid convenience or speciality stores. Avoid frequent visits to convenience stores such as 7-Eleven because most of their goods costs more expensive than those in the supermarket. This is because they are operating 24 hours a day.
Also avoid frequent visits to specialty stores such as those trendy coffee outlets like Coffee Bean and Starbucks which would be very costly for students like me. Instead try to hang out at local coffee shops or just make your own coffee at home and enjoy it.
10. Don't outsource. Save your money and do what you can do such as washing your car, maw the lawn and do your own laundry. These activities will also benefits you with good light exercises and workouts.
Since most weekends I'll be free in the evening. During these free time I'll spend some wet moments with my car. Although it might be a bit tiring but I found it rewarding because I can save up RM 9 for a car wash every week. Guess how much I can save up? RM 36 for a month and RM 432 a year!!
Instead of paying the carwash operator RM 9 why not wash the car yourself? Save up the money and put them into your piggy bank.
*Another additional tip from me
Quit Smoking. Everyone knows that smoking is a very bad habit and knows its ill-impact in our life. Imagine how much have you spent on those damn cigarettes, what if you save those amount of money in you bank, maybe now you may can even go travelling or maybe buy a bike with CASH!!
Stop damaging your health and your wealth. No buts, just quit smoking.
10 Tips on Positive Financial HabitsShared by Elisha Labels: Finance, Personal Development
2 comments:
- debt negotiation said...
If we follow those tips,it will help us lessen our payments and have healthy living. In case of emergency, we have savings to lend for.
- March 12, 2009 at 11:40 AM
- Elisha said...
Hello debt negotiation welcome to Eli Shares.
I believe that these positive financial habits should be put into the highest form of priority. No doubt that it will significantly improve our financial literacy.
- March 15, 2009 at 3:29 PM
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|The Meeting
Monday, September 7, 2015
The Meeting
2 comments:
- Jacki Long said...
Each post, I enlarge your work and find myself leaning into the monitor and smiling as I search and discover through the layers of your storytelling. What a talent you have John! I am a fan and honored to be a friend.
- September 7, 2015 at 11:13 AM
- amy of four corners design said...
I can concur with Jacki - I always enlarge your collage so I can see all the detail and take it all in....
- September 8, 2015 at 8:57 AM
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subset: commoncrawl


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This lesson will cover the basic, common law elements of defamation. The discussion will review the defamatory statement, truth, and publication concerning the plaintiff. The lesson will also cover the basic issues in privileges. Although substantial Constitutional issues now exist with defamation, those problems will be covered in a separate lesson.
Lesson Completion Time
50 minutes
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Access to CALI Lessons is restricted to people affiliated with CALI member organizations and those who have purchased individual memberships. You may register or login to run CALI Lessons.
CALI Topics
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Lesson ID


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Marks & Spencer are an iconic English department store with a wide range of quality products at cheap prices. Marks & Spencer stock and massive assortment of womens and mens clothing, lingerie, homeware, beauty and health,kidswear, food and wine, flowers and gifts.
Grays Online sell just about everything at discount prices including Womens and Mens fashion, Beauty and Health, Home and Garden,Computers and Electronics, Wine and more, Sports and Toys, Jewellery and Watches, Luggage and Bags, Shoes and Footwear, Kids and Babies, Appliances and Whitegoods.
Crazy Sales is Australia`s best home shopping bargains site. Crazy Sales has over 9000 products ranging from health & beauty, toys & hobbies to computers & IT. Crazy Sales gives you the absolute best deals for your online shopping needs.Crazy Sales has regular special offers and additional discounts including their "deal of the day" and massive discounts on entire categories of products.
Light In The Box is a online department store with a huge range of discounted products including Wedding,Home,Fashion,Watches, Jewelery, Electronics, Phones, Tablets, Health and Beauty, shoes, Toys, Sports and Apple products. Light in the box is always having sales with further discounts.
Innovations is an online catalogue company offering a huge range of discounted products for your home, garden, fitness, beauty, office, recreation and leisure. Innovations is linked to Direct Group which also operates TVSN and Expo Channels on Foxtel. Innovations hand picks it's products and has huge buying power due to its massive customer base and can use this to pass saving on to you the customer.
Wayfair Australia is the Australian arm of Wayfair, the biggest online provider of homewares in America. Wayfair Australia has over 100,000 from Australian manufacturers and ship within Australia. Wayfair Australia's range includes rugs, manchester and furniture for bedroom, dining room, living room, entertaining, outdoor, and kids. Wayfair Australia also stocks a huge range of electrical fixtures like lamps, ceiling fans and ceiling lights.
Living Social has the best deals on things to do, experience and share in your city and more. Living social is a marketplace with amazing deals everyday that inspire and excite members at fantastic discounts including food, health, trips, fitness, fashion, baby, wine home and so much more. (please note no cashback is available on the Seminyak, Bali deal )
Mini in the box is an online department store with amazing discounts on a huge range of products including Apple, Samsung, electronics, watches, jewelery, torches, cameras, computer accessories, video games, toys, home, office, pet, sports, batteries and more. Mini in the box is always having sales on there already discounted products.
Each buyer is an huge online department store and is a ebay and amazon top seller processing over 50,000 orders a day. Each Buyer has free shipping internationally and its categories include Mobile Phones and Tablets, Solar and LEDs, Health and Beauty, Jewelery and Watches, Clothing and Accessories, Home and Garden, Car Accessories, Samsung, Apple, electronics, Computers, Sports, Outdoors, Toys and hobbies, Wedding and much much more.


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L'Europe est un continent très diversifié. À cause de ça, dans cet article, Je couvrirai comment marcher correctement les rues, venelles, croupes, and promenades of some of Europe's major cities. I will generalize greatly in this piece, mais il est 100% correct in my opinion. Most of this article is me venting my frustrations at Europeans, tourists and their ways of walking in Europe. If you are European and do not like getting scolded, alors ce n'est pas l'article pour vous.
je sais, I know…I am American. Je sais que nous faisons les frappes de drones, ont des problèmes d'armes à feu, and really hate minorities (I am a minority). Je sais que nous sommes la graisse, obnoxious and stupid. That being said, I am a New Yorker first. Because I am a New Yorker, I am certain that "we – New Yorkers – know how to walk". New Yorkers enjoy the day, mais nous le faisons avec le but. Our goal is to get to our destination and to do it effectively. That is the key…to get to where you need to regardless of whether sunshine or snow is involved.
Voici mon analyse de la marche en Europe.
Move to the friggin' right (your right). Seriously, if I move to your left; you move right. En quelque sorte, dans la plupart des pays européens, les gens marchent toujours en vous. Europeans like to talk on their mobiles with seemingly no consideration of the person in front of them. They think the whole sidewalk is their sidewalk…and they walk SLOOOOWLY. All I ask is can you please move to the friggin' right.
New Yorkers walk. We take subways, Parfois, nous prenons des taxis, mais pour la plupart, we travel on our two feet. In Europe, vous marchez dans la plupart des petites villes, mais habituellement, drive from town to town. That brings me to:
Conduire en Europe
Écoutez-moi. Se déplacer d'un endroit à l'autre n'est pas NASCAR, est pas la formule 1, and is certainly not the Fast and the Furious. If you drive like you're in one of these races, you drive terribly and too fast. Drivers in most European countries will literally speed up when they see you walking down the street. It seems as if they want to hit you. Why? Because there are asshats who don't realize they could really hurt people.
conducteur m, slow the heck down. There are elderly and people, enfants, and tourists walking down the street. Take a puff of your cigarrette and relax. Vous arriverez à votre destination quelques minutes plus lent, mais ont 1 la mort supplémentaire de votre karma.
Mais les midinettes, tu demandes. Ils ne devraient pas être sur le rouge franchissaient. Oui, people shouldn't jaywalk; I agree. Mais les rues européennes se sentent comme une voie rapide, car il est assez cher pour obtenir une licence. This means that it is mostly rich people who can afford licenses. It's almost €2,000 to get a license in Europe and the tests are ridiculous. 5-hour endurance test. Crazy sauce.
Now, permettez-moi de le décomposer par pays.
Marcher en Italie
En Italie, people walk slow. Slooooow. Sloooooooooow. In Rome, vous pourriez avoir de la chance de marcher aux côtés de personnes dont le rythme est sur le point 1 km an hour. The biggest issue is that people will be talking on their cellphones. Les touristes seront à la recherche sur tous les sites. Women will be sun-glassed and won't even notice you exist. They will have zero regard for you and you'll end up walking on on the actual streets.
The Chinese and Indian tourists will not even know you exist. They will be filming the city for their "1-day" in Italy video and walk all over you. It will be a horde of people that can be overwhelming. Lots and lots of tourists will be filming and photographing everything. My advice to you…drop the shoulder and just plow through them, ou si vous êtes plus poli, go around them in the street…
Ne me commencé avec les rues.
Rues pavées
Funk you cobblestone old-timesy streets. You want to kill me and every older person on earth. Bien sûr, vos rues semblent bonnes sur Instagram, but they feel terrible after a day of walking. They also get super slippery when wet and break iPhones (had this happen in Venice). My hips and back feel terrible after a simple walk to the market. These amazing Instagram vistas from the past should be put in the past. Give me a nice paved road. Nothing historic or "it's our patrimony" give me something my hips won't hate so that if I fall, Je ne serai pas dans une marchette dans mes années à venir.
Marcher sur Hilltops
Don't do it at night in a hill town if you don't want to end the same way Robert Baratheon did. Ouaip. This happened to me. Cinghiale hangout in the hills of Cinque Terre, Toscane, la Forêt-Noire, and parts of Spain. They will mess you up. They will run into you smashing your leg. Kick you to throw you off balance or just eat you.
That being said, ils sont tout à fait savoureux.
Retour à la marche dans les villes de l'Italie Touristy
ne pas, you will literally be attacked by people walking into you. Terrible drivers will go into the sidewalk and almost hito you. Did I mention you will be accosted by tour groups?
Marcher en France
Les gens marchent lentement, except for those in Paris. Paris is a gem of a city. Parisians know how to walk. They move to their right, bouge rapidement, and are focused on where they want to go. Love Paris. Malheureusement, they smoke. So if you are behind a Parisian, they will probably be inhaling a Chesterfield and the backdraft will hit you in the face. It will get your clothes disgustingly smokey. Expect to be confronted with an air of "I am French, you are in the wrong and you can't tell us what to do" when you look at them. It's terrible.
So, en dehors de Paris, vous obtenez le reste de la France, qui sont lents, leisurely walkers. Ouais, you're lazy and slow. You know who I am talking about. You barely know how to walk. You walk like you have no place to go. You walk like life is a farce and you are walking just to be ironic. You walk like each step is taxed at the 47% taux d'imposition. You walk like…..okay you get the point. Walk faster and to the right please…unless you're in a sleepy quiet French town like Beaune where nothing happens; there, vous êtes autorisé à marcher aussi lentement que vous voulez.
Marcher en Allemagne
You guys are serious. I like that. Keep it up.
Marcher dans les ruelles de l'Europe
No issues so far. In cities like Marseilles or Genoa, you will be propositioned for some "extracurricular" activities. Just shake your head to the left/right and keep walking. Zero harm will come of it and you will have an interesting story to tell your friends back at home.
Marcher en Croatie
Did someone pick my wallet? Did that car just jump into the medium. Who is this person watching me. Croats are constantly conscious of their surroundings and walk fast as heck to get out of the sun and the watching women on the balconies. It's one of the only countries where I have seen old ladies with walkers walking faster then tourists. I clap for you my Croatian friends.
Marcher au Royaume-Uni
London is like NYC except they walk slow-ish. Not slow. They just have a peculiar cadence. It's a lazy walk with no purpose. They want to get somewhere, but they do not know exactly where they want to go..maybe they do and they just don't want to go. When you visit London, Je vous recommande de ne pas marcher la nuit, everyone is way too sozzled. How much is the alcohol limit in London? Too much, that's my opinion. I want to walk behind you, mais pas si vous marchez sur le côté en zigzags, chanter des chansons, chantant pour votre équipe favorite, et laisser tomber des choses que vous marchez.
Marcher en Espagne
Look at the part about the French countryside. The Spanish are about 1 km slower. Barcelona and Madrid are terrible walking cities. I know you can blame the heat, or say you are "enjoying life"; but honestly…you're just being slow. Join the modern world, accélérer et marcher vers la droite.
….while we are on the subject of Spain. Stop being so morose about the world. You had a dictator, vous avez eu une économie merdique, vos syndicats contrôlent beaucoup trop, but lighten up. We like you. I would tell the French the same, mais ils simplement cracher sur moi et souffler la fumée dans mon visage.
Marcher au Portugal
I leave the crown jewel of my European experience (12 years) to Portugal. You are the best walkers in Europe. You are focused, concis, and walk with a purpose. People walk at a cadence which is pleasantly easy to keep in time with. It's like dancing.
Who am I kidding? Portugal is worst than Italy, France, or Spain. Walk to the friggin right! Walk at a good pace. You actually have to get somewhere. Move out of the way when people are behind you. Pick up after your dog. GRRRRR…. Portugal is the worst.
I don't want to kick the butt of my new home but people are very inconsiderate. They walk into you. Older people have no clue you are there when they walk (they get a pass – cause they're old). If you get near a tour group, they will walk all over you (Chinese tour groups the worst).
Si quelqu'un a un enfant, l'enfant va probablement tomber sur vous, Te prendre, courir autour de vous, or worst run into traffic without the parents even caring or noticing. If you say something you will get chastised as "Not being Portuguese" or not knowing the "Portuguese way".
En ce moment je suis terrée dans l'appartement, dreading the Portuguese walk. Dreading getting "shouldered" or walking at 1 km per hour down a running path. I dread seeing the old lady being pushed into the street by some tween on her Samsung Note. It will happen and I will be prepared. This is why I fear the experience of la marche en Europe.
…sorry had to rant…but seriously. Walk to the right.


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Compuware delivers DevPartner Studio 9.0, an upgraded version of its
automated code-scanning and analysis suite.
Compuware has also bolstered support for legacy tools and languages, including Visual Basic 6.0, Visual Studio 6.0, Visual Studio.NET 2003 and .NET Framework 1.1.
Controlling Code
The source code-scanning feature of DevPartner 9.0 is the most significant new element in the latest release, says Doug Carrier, a Compuware senior product manager. The software scans ASP.NET app code, checking against more than 200 security vulnerabilities and behaviors. Scan results often discover unprivileged code with access to privileged operations, and exceptions that are allowed to drive malicious behavior within an otherwise secure system, he says.
"What this does now is take security out of the realm of large companies that have the money to build and maintain a security practice," Carrier says of DevPartner.
DevPartner is suited to development organizations lacking effective code and process controls, says Bola Rotibi, principal analyst for London, U.K.-based research firm Macehiter Ward-Dutton. Too many companies fail to assert tight quality control over their code, Rotibi adds.
"Applications still fail, and they still fail at too high a frequency," she says. "The bottom line is more organizations need to think about static analysis. But they need to think about it in terms of code quality."
XML-Based Reporting
DevPartner Studio 9.0 adds integrated XML-based reporting, allowing production of detailed and customizable code-quality reports. Carrier says the reports can help managers answer important questions about their apps.
Rotibi says the ability to automate scans and reports at every build is critical, particularly as more and more shops move to more agile development practices. "Static analysis isn't done on just one iteration. It should be done on every iteration, every time you modify that code. Every time a developer goes in to make a change or modification, there's always potential for an error," Rotibi explains.
DevPartner Studio 9.0 is $2,400 per single-seat license.
About the Author
Michael Desmond is an editor and writer for 1105 Media's Enterprise Computing Group.
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Graduate student at the University of Bern (support)
Cristian Consuegra completed his Bachelor of Arts in History at the University of Bern in 2018. In his B.A. thesis he analysed eighteenth-century Bernese judicial records, examining how local patricians were punished for petty criminal activities related to forbidden card games. He is currently doing his M.A. at the same university, with a major in medieval and early modern history and a minor in edition philology. He was a member of the student council of the Historical Institute (2014-2018) and an intern at the State Archive of Lucerne (2016-2017). He is currently working as a guide at the Museum Altes Zeughaus in Soluthurn and as a student-assistant in the research project Atlantic Italies. Economic and Cultural Entanglements (15th-19th Centuries).


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Mentoring. Advice. Advocacy.
Did you know that more than 3,300 of our undergraduate students are transfers?
The Transfer Student Services Office (TSS) is committed to helping students before they get to campus, during their transition to Binghamton and all the way to their graduation day. After arriving to campus, transfer students are encouraged to use this office as their primary contact while attending Binghamton.
Transfers love Binghamton!
Leo Chen '19
I was a proud member of Binghamton University's Transfer Student Association. TSA connected me with fellow transfer students with similar interests and diverse backgrounds. I made lifelong friends and it made the transition to a new school a great experience!Leo Chen '19
Victoria Lococo '18
I transferred to Binghamton my sophomore year with one of the most popular majors: undeclared! Transfer Student Services offered mentoring and support that led me to graduate with a bachelor's in geography. I loved my time at Binghamton so much that I decided to continue my education by enrolling in a dual-degree master's program to study public administration and student affairs.Victoria Lococo '18


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Michael Sam spoke to the media.
DE/OLB Michael Sam spoke to the media. Sam was confident and poised at the microphone. Sam answered questions professionally. When asked about the possibility of playing for the Miami Dolphins, whose locker room has been under pressure for bullying, Sam said, "if the Miami Dolphins drafted me I will be excited to be part of that organization."
DE Jadeveon Clowney also addressed the media. While Clowney has undeniable talent, his work ethic and intensity was questioned.
TE Colt Lyerla, whose brief college career was plagued by off-the-field incidents, clocked a 4.61 40-yard dash. TE AC Leonard clocked a 4.50 40, which stood as the fastest for the tight end group.
P Pat O'Donnell clocked a 4.64 40-yard dash. Yesterday, O'Donnell tallied 23 reps on the bench press.
OL Taylor Lewan clocked the fastest 40 from the Offensive Linemen group. Lewan's impressive time was 4.87.


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Recognized by LIPulse Magazine
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Photo Of Utility Worker Waist-Deep In A Murky Hole Goes Viral
August 27, 2016
A photo of a utility worker diving waist-deep into a hole filled with brown, dirty water has gone viral.
His work ethic even caught the attention of Mike Rowe, who offered to buy the man a beer.
Wrangler Jean Company also said they would send him a new pair of jeans, along with a few shirts.
After the image floated around social media, the man was identified as Jimmie Cox, 23, of Hood County, Texas.
Cox casually recalled diving into the murky water like it was another day at the office.
"[It] was about five-and-a-half feet deep…a full one-inch pipe was [sending water] full throttle into a woman's home," Cox said.
Andrea Adams, the homeowner who snapped the photo and shared it on Facebook, says she has been flooded with messages from people all over the world.
Cox said he can't believe the attention the photo has garnered, either.


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If you like your online casinos to come with a strong sense of fun, then read on, because you are likely to find a lot to enjoy about PlayFrank.
This popular casino has seen its number of players increase since its launch as players have connected with the tone of the site, as well as its impressive selection of games and promotions.
However, PlayFrank was only launched in 2015. As much as this fact makes the site feel like something of a veteran considering the sheer number of sites that have arrived since, but this site is still a relative newbie, and may be riding the wave of popularity that many sites enjoy in the time following their initial launch.
What this means, is that PlayFrank does not have the ability to rest on its laurels and expect the customers to keep coming, a lot of work has to go in on a continuous basis to keep the site relative, and competitive.
So, does PlayFrank have what it does to maintain and improve its position? Or is this is a site that is going to slowly drift into the middle of the pack after such a promising start?
Upon your arrival at the PlayFrank site, you will be met by a small blue alien (I assume he's an alien?) who is called, yep, you guessed it, Frank.
Frank isn't the only blue part of this site, in fact it is almost entirely blue, except the logo, which uses red, yellow, and green as well.
The shades of blue utilised here may seem surprisingly subtle considering how much is going on within the design, but if you think about it for a second, we can all agree that this is a choice we thoroughly appreciate. Instead of a loud, noisy, brash site with too much brightness and so much going on you don't know where to look, the colour scheme here provides a perfect backdrop for all the playful and cute design touches that are scattered around.
Despite the complexity of the design, navigation is anything but complicated, with all aspects of the site easy to find from the homepage, whether you're looking for games, promotions, on information in PlayFrank.
Putting a lot of design into a site has gone badly for more sites than it's worked for, but PlayFrank has avoided all the traps, and thus, it looks great.
Being competitive in the modern market includes having a huge selection of games, and a decent batch of software developers providing them, otherwise you will lose out to those that do.
With well over 1,000 games on offer, coming from the likes of BetSoft, ELK Studios, Endorphina, Evolution, GamesOS, IGT Interactive, Microgaming, NetEnt, NextGen Gaming, NYX Gaming, Play'n GO, and Quickspin, to name a few, PlayFrank is clearly aware of this necessity, and therefore offers gaming choices that are amongst the best and most varied you'll find online.
New releases for slot lovers include NetEnt's two most recent offerings (at the time of writing) Jungle Spirit: Call of the Wild, and Wild Wild West: The Great Train Heist, as well as the likes of Dragonz, Cloud Quest, lost Vegas, Motorhead, Game of Thrones, and a great deal more.
If casino games are more your thing, then you'll love the table and card games on offer here as well, with a variety of poker, blackjack, roulette, baccarat, and more.
If you are a lover of online casino sites, and you are yet to have experienced PlayFrank, then you really are missing out. This is a site that offers everything you could want from an online casino, and in a great looking package too!
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|[email protected]
|Maximum withdrawal limit
|10000 EUR per week


text:
Set to Foal/
In the coming months it will be a busy time for the entire breeding industry with thousands of mares to foal as well as many to visit stallions around the country and Mill Park Stud is no different, with our mares set to foal down before heading off to be covered – hoping to produce the next Champion of the turf.
With so many new and exciting stallions heading to Australia this season as well as the current proven ones, it is such a hard decision as to where to send them…
Some of the mares under our care due to foal are listed below.
Dane Belltar, the dam of Group 1 winner Fawkner and Group 2 winner Tanby is in foal to More Than Ready, having produced a filly by Shooting To Win last season
Elegant Eagle (NZ), the dam of Group 1 winner Go Indy Go and Group 3 winner Essay Raider was covered by exciting New Zealand stallion Tavistock last season
Elusive Wonder, dam of juvenile stakes winner Modern Wonder is due to foal to this season's soon to be crowned Champion Sire Snitzel
Hussy By Choice, the well related Hussonet mare will foal to Not A Single Doubt after producing an I Am Invincible filly at her first season last year
Molto Bene, the Group 3-winning half-sister to Group 1 winner Mourinho will foal to Hinchinbrook after producing a Redoute's Choice colt last season
Pasadoble, a three-quarter sister to Group 3 winner Diamond Earth, will foal to Written Tycoon
The Quick One, lightly raced daughter of Group 1 winner Il Quello Veloce, from the family of Group 1 winners Terravista, Tiger Tees and Super Easy, will foal to Horse of the Year Dissident in his first season at stud


text: Alicia Dawson Owner / Event Planner of Nashville Parties and EventsNashville, TNWebsite | Facebook | Instagram Email Alicia I'm an event planner based out of Nashville, Tennessee. I plan all kinds of events from corporate parties, EP launches to bachelorette parties. I joined Music Biz Besties because I'm looking to meet other professionals and expand my music industry network. IndustryKatherine ForbesFebruary 13, 2017Event Planner, Social Media, Marketing, Party Planner, Nashville1 Comment Facebook0 Twitter Pinterest0 0 Likes


text:
Market research future published a raw research report Global Solar Rooftop Sales Market that contains the information from 2017 to 2023. The Global Solar Rooftop Sales Market is expected to grow with the CAGR of approximately 20.14 % from 2017 to 2023.
Taste the market data and market information presented through more than 140 market data tables and figures spread in 149 numbers of pages of the project report. Avail the in-depth table of content & market synopsis on "Global Solar Rooftop Sales Market Information from 2017 to 2023″
Ask Sample for this Report @ https://www.marketresearchfuture.com/sample_request/4174
Currently, solar rooftop panels are gaining a wide attention owing to their efficiency and lost cost electricity generation capacity. The main application of solar rooftop panels is to convert solar power into usable AC power. Solar rooftop panels enable safe and noiseless power generation, which makes them quintessential product in today's world.
A gradual fall in the prices of industrial commodities used to manufacture solar panels, and the rising inflation in electricity and natural gas sector in the coming decade, are the major driving factors for the growth of the solar rooftop sales market in forecast period. Rise in electricity prices combined with cheaper solar rooftop sales will also drive the solar rooftop sales market, majorly. Some restraints of the market are its incapability to perform at night without backup, disturbance during certain abnormal climatic conditions such as cloudy weather even in daytime and expensive solar technologies.
The global solar Rooftop Sales market has been analyzed based on capacity, connectivity, end-users and regions. On the basis of capacity, the global solar Rooftop Sales system market has been segmented as >10 kW, 11 kW- 100kW and <100 kW. Based on connectivity, it is classified as, on-grid and off-grid. Based on end-users, it is further classified as residential, commercial and industrial. 11 kW- 100kW rooftop solar system segment by capacity is expected to dominate the market Currently, 11 kW- 100kW rooftop solar system segment by capacity, holds the largest market share and is expected to grow at the highest growth during the forecast period. A rooftop solar system ranging with a power capacity from 11 kW- 100 kW are the best investment for commercial and small-scale industry. A modern-day 100 kW rooftop solar system will be comprised of between 380-410 panels and will require about 600-656 m2 of roof space, depending upon the wattage of the panels. Reported pricing, for PV system installations, completed by project-level data from U.S. Department of Energy SunShot Initiative in January 2017, were about USD 3.78/W (Median) for commercial installation of over 10 kW to 100 kW. Read more: https://www.marketresearchfuture.com/reports/solar-rooftop-sales-market-4174
Ask for your specific company profile and country level customization on reports.
The key players of global solar rooftop sales market are SMA Solar Technology AG (Germany), Trina Solar (China), Yingli Green Energy Holding Company Limited (China), Canadian Solar Inc. (Canada), Jinko Solar (China), SolarWorld AG (Germany), SunPower Corporation (U.S.), Shunfeng International Clean Energy Limited. (China), Tata Power Solar Systems Limited (India), Delta Energy Systems (Germany), JA Solar Holdings Co., Ltd. (China) and ABB Ltd. (Switzerland).
This research report provides insights, on various levels of analysis such as industry analysis, and market share analysis for the leading players along with their profiles. It also helps in studying the target segments by providing views on emerging & high-growth segments. The market data comprises the basic assessment of the competitive scenarios & strategies in the global solar rooftop sales market, including high-growth regions and/or countries, and political, & economic environments. The project report, further, provides views on both the historical market values and pricing & cost analysis.
Buy now this report @ https://www.marketresearchfuture.com/checkout?currency=one_user-USD&report_id=4174
About Market Research Future:
At Market Research Future (MRFR), we enable our customers to unravel the complexity of various industries through our Cooked Research Report (CRR), Half-Cooked Research Reports (HCRR), Raw Research Reports (3R), Continuous-Feed Research (CFR), and Market Research & Consulting Services.
MRFR team have supreme objective to provide the optimum quality market research and intelligence services to our clients. Our market research studies by products, services, technologies, applications, end users, and market players for global, regional, and country level market segments, enable our clients to see more, know more, and do more, which help to answer all their most important questions.
In order to stay updated with technology and work process of the industry, MRFR often plans & conducts meet with the industry experts and industrial visits for its research analyst members.
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text:
Vegan Cashew and Coconut Granola
When it comes to breakfast I am steadfastly in the sweet camp. That is to say, given the choice I would rather have something with a little sugary kick to jump start me in the morning than savoury fare, which is something I only ever crave at the weekend and that's most likely because I rise a lot later - like say lunchtime:/
Oatmeal is absolutely my go to morning meal but I do like to mix it up now and again with polenta, shop bought cereal (I'm going through a weetabix phase at the moment) and granola.
Unfortunately when it comes to granola, stores only seem to stock the honey variety and if there does happen to be a vegan friendly sort it normally comes with a hefty price tag. It seems ridiculous to me to spend 6 or 7 quid on something I can make myself for about a quarter of the price, which is why I have taken to making my own granola(here's another, err, very similar granola recipe from a while back).
Quite honestly, granola is so simple to make and yet I often forget this fact. When I made this cashew and coconut one just the other day I was amazed at how painless a process it was and have since vowed to not forget its simplicity ever again. n.b. I will totally revert to type and forget within a matter of days.
This might not seem like a very big batch for two people but I can assure you it will keep you going for well over a week and that includes snacks - I love to sprinkle it on soya yoghurt for impromptu afternoon pick me ups.
Like the slow roasted tomatoes I last posted about, having something homemade and reasonably healthy at the ready is a pleasure I will never tire of. I only wish I had more time in the day to stock my fridge and cupboards with more of it!
cashew and coconut granola
1 cup porridge or oatmeal (large flakes work best but I only had small in the cupboard)
1/2 cup whole unsalted cashews
1/4 cup sunflower seeds
1/2 cup desiccated coconut
1/2 cup raisins
1/2 cup flaked almonds
1/2 tsp ground cinnamon
1/4 tsp freshly ground nutmeg
1/4 cup agave nectar or sweetener of your choice
1 heaped tsp coconut oil
1. pre-heat the oven to 150 degrees celsius/300 fahrenheit.
2. place the coconut oil and agave in small saucepan and gently heat.
3. place the oats in a baking tray and place in oven turning occassionally - i find two rubber spatulas work best for this task.
4. add the cashews, sunflower seeds, half the desiccated coconut, cinnamon and nutmeg and stir to combine. when the coconut oil and agave begin to bubble pour over the granola and using the two spatulas coat all the ingredients until you get a reasonably and evenly wet mixture. place in oven for 20 minutes turning frequently with the spatulas.
5. in the last 5-10 minutes add the flaked almonds and raisins.
6. remove from oven, add the remaining coconut and allow to cool completely before transferring to a sealed jar or container.


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It's a funny time of year. Sometimes the sun shines; sometimes it doesn't. But also on the foodie front. Everything you could quite easily grow in your garden is in full flow right now and we're using as much of every one of those ingredients across our July and August menus.
The raw ingredients we've been working with in the kitchen won't change much now until after summer has signed off, but the dishes will take you on a walking tour of their best bits over those weeks.
English strawberries and raspberries are in full bloom and if you don't pick them once they're ripe they'll heat-dry on the stem (or the bugs will have them for supper instead). You'll also come across your fair share of peas, beans and lettuces.
It's time to say goodbye to asparagus – it's unlikely to be English if you're buying it in the shops still. We've replaced our asparagus starter with seasonal beetroots served with three different types of horseradish (candy, Cheltenham and golden), elderflower jelly, buffalo mozzarella and hazelnuts (always optional if you tell us you have an allergy).
And it's arrivederci to rhubarb, the longstanding fruit of early summer is done. Taking its place on the dessert menu is our not-so-simple take on peaches and cream using white peaches, plums, lemon thyme and honey.
Our summer selection of fruit and veg will be with us throughout the school summer holidays and we'll adapt dishes as and when each ingredients bows out. Until then, come and enjoy a summer supper with us and savour the best of this season's ingredients on our a la carte menu (kids menu available too).


text:
We are meeting together on different Sunday evenings throughout the month for a time to share a meal together and continue to get to know each other. This Sunday we will go to Nando's! Come join us! Childcare is available with a 48 hour notice. Contact us for childcare.
Back to All Events
Earlier Event: October 26Halloween Party!
Later Event: November 9Sunday Night Supper Club!


text:
To order images and/or obtain permission to use them commercially, please contact the KSHS Reference Desk at email@example.com or 785-272-8681, ext. 117.
For more information see the Copyright and Permission FAQ.
A photograph of women and children walking on a sidewalk in front of the officers' quarters, Camp Supply, Indian Territory. The young girl (second from left) is the daughter of Col. John Edmond Yard, who was later the commander at Fort Hays, Kansas.
Date: Between 1886 and 1887
Item Number: 211677
Call Number: FO8
KSHS Identifier: DaRT ID: 211677
Built Environment - Areas of Significance - Military
Built Environment - Function - Defense - Fortification
Built Environment - Function - Defense - Military Facility - Officers' quarters
Collections - Photograph
Date - 1880s
Military - Facilities - Forts
Military - Facilities - Officers' quarters
Military - Wars - Indian Wars
Objects and Artifacts - Communication Artifacts - Documentary Artifact - Photograph
Places - Other States - Oklahoma
Thematic Time Period - Immigration and Settlement, 1854 - 1890
Type of Material - Photographs


text:
A password will be e-mailed to you.
Howdy Marrsians,
Here's a great interview I did with Jeff Rense along with Abraham Bolden. Please give us feedback on your thoughts on these special conversations.
Rense & Marrs And Abraham Bolden ...
Amazon.com Widgets
Copright © 2014 Jim Marrs - www.jimmarrs.com. All rights reserved.
Site By: Studio III Media


text: I've been trying to get my son interested in graphic design, art, photography, really anything creative, for some time now. A few months ago I created this with him. He was super into Mario Bros. at the time. I had forgotten all about it until I was going though some old files today. This was created from scratch using Adobe Illustrator.


text:
There's a lot of different
elements to this, but here's
my advice: First, thoroughly
research your destination and
identify possible end-users of
your images (brands, magazines,
publications, local boards of tourism,
hotels, resorts or any business within the tourism
or hospitality industry, just to name a few). Check
what type of imagery they've been buying and
showing on Instagram and think about how your
work could add value to their efforts in promoting
either their brand or the destination itself.
Once you've done your research, put together
a short proposal for each pitch and get in touch
with editors or marketing teams that you'll want
to share your work/ideas with. Be as specific as
possible in your description of what and how
you will shoot. Make sure you explain how your
project will benefit them. Once you find a partner,
get a contractual agreement and plan your trip
around this assignment. Take extra images or
outtakes—you can always submit those additional
photographs to stock agencies for supplemental
sources of income that can support future travel.
My short answer would be: Don't just avoid travel simply because
you have to pay for it yourself.
My long(er) answer is this: The value you can add to a company
won't ever be your desire to travel. That is not a unique trait you
have. Everybody would love to get paid to travel. My advice would be to
find companies that you can partner with on your trip where you add value to them.
If you're asking how to get your travel funded, you're probably looking for a company
to spot you the $1,000 airfare, the $300 you'll spend on food, the $400 for the car
rental and gas, etc. If you can't explain to them using numbers how you will provide
at least that much value back, just save up your money and go on your own bill. Travel
because it's a great thing to do as a human being and create something powerful and
provocative that will add value to your portfolio.
Just remember that any client that would pay you to travel has to answer to a room
full of people asking, "Why that person?" Give them an ans wer.
My advice would
be to seek out a
subject-matter or
personal project
that is intriguing
to publications.
For example, look closely at travel or
human interest magazines, get a feel
for their articles and imagery, and
then generate some ideas and pitch
a project to them. This may require
having a good relationship with the
photo editor, so start forming that
relationship as early as you can.


text:
|Birch Dale Lodge is located on Eagle Lake, south of Waldhof and Vermilion Bay and just west of Dryden. They have outstanding hunting for Black Bear. The Black Bear hunting is excellent. They have a large BMA with 20 or more bait stations. Their guests have harvested several bears over 500 pounds in the last few years. They offer housekeeping cottages on the shore of Eagle Lake and also have a small restaurant where you can buy your meals and even cook your own steak.
|North Country Lodge is located an hour west of Dryden, Ontario and close to Vermilion Bay. Their area is world famous for having the best Black Bear hunting. Black Bears can get over 600 pounds but most harvested at their many baited stands are usually between 225 to 425 pounds. Color variations such as cinnamon Black Bears and chocolate Black Bears are also available. Their BMA is 1225 square miles and the largest of any lodge in Ontario. Join North Country on crystal-clear Canyon Lake for a hunting vacation of a lifetime.


text:
Test-Taking Tips
During testing, keep these suggestions in mind:
- Always make sure your first name and last name are on hard-copy tests.
- Read each question carefully so that you are sure of what is being asked of you.
- Try to complete the problems that have the greatest point values first.
- Don't give up. If you do not know an answer, skip it and come back to it later.
- Never leave a question blank—guess if you do not know, you might guess correctly.
- If you do guess, go with your first answer. Don't second-guess yourself.
- When using a Scantron, be sure that your answers are in the correct box on the card.
- Write legibly. If your instructor can't read your writing, it will likely be marked wrong.
- Three short paragraphs of organized essay are better than random ideas filling a page.
- Show your work—you might be able to get partial credit for what you did do correctly.
- If you finish early, check your test to be sure you have completed all of the questions.
- Considering a "short cut"? Spend whatever effort you might use to cheat on doing the best job you can honestly!
SMCC students who are having difficulties learning course material should meet with their Tutors for supplemental classroom instruction at the Learning Center.


text:
The EG100CH is a heavy-duty budget office chair that is also AFRDI level 6 rated!
The EG100CH heavy-duty budget office chair is ideal when you need quite a few office chairs but your budget is limited. It's an AFRDI Level 6 rated chair that will keep your staff comfortable.
Talk to us about bulk discounts.
We can deliver these assembled in many locations.
Contact us regarding your location.
- Heavy Duty High Back Commercial Grade Operator Chair
- 3 Lever Fully Ergonomic Mechanism –
- 130 Kg Weight Rating
- Gas Lift –
- Seat Pan & Back Rest Tilt –
- Black 5 Star Base On Castors
- Available in BLACK, NAVY and CHARCOAL fabric
- 10-year warranty


text:
Video Production
The media production range from Academia covers all aspects of digital media production – from compact cameras and "crash cams" for drones, through to ENG style set ups and digital Cinema production – we have the in house expertise to recommend the best fit products from our wide range of leading brands.
Cameras – GoPro to Cinema
The latest generation of cameras offer flexibility like never before. From 4K Action/Crash cams; to the latest ENG systems, DLSR's fro Shallow Depth of Field into fully-fledged digital Cinema cameras our camera range has something to meet any requirement.
The latest generation of remote and PTZ camera heads offer centralized control; and embrace HDBaseT infrastructure – ideal for event and lecturing spaces.
Cameras from: AJA, Blackmagic Design, Canon, JVC, Panasonic Broadcast
Tapeless Recorders – HD to 4K HDR
With the move from tape to tapeless; HD to 4K, the storage requirements of days filming grow exponentially. The latest SSD records combine high capacity for hours of footage; with in-built 4K HDR displays and waveform monitors/scopes, and simplified ingest due to native ProRes or DNxHD recording.
Rackmount records can be deployed in the studio gallery or in flight cases at events; supporting fall-over "tick/tock" modes for continuous record.
SSD Recorders from: AJA, Atomos, Blackmagic Design, Sound Devices
Streaming and Mixing
Vision mixers are no longer restricted to the studio gallery; the latest vision mixers combine hardware and software control; in either rack mount or portable form factors to facilitate multi-cam and source mixing, keying for blue/green screen; and content playback – even slow motion.
Products such as Newtek Tricaster also provide live streaming and encoding for "straight to web" broadcasting; and we offer standalone streaming devices and software to complement existing set-ups.
Vision Mixers and Streaming systems from : AJA, Blackmagic Design, Datavideo, Newtek, Teradek
NDI and HDBaseT
Production and studio infrastructure through CAT6 and Fibre optic is finally here!
Centralise infrastructure to ICT departments
Easy to relocate and repatch – hardware connects over network infrastructure
Communicate widely between studio and gallery devices; even displays.
Workflow advisory, Systems Integration and Training
Our expert AV Team can offer workflow advisory for media storage; and full integration of network attached NAS or SAN systems. We also provide CPD-level product training for staff and students alike to get the most of your storage platforms and ensure "industry best practice" throughout.
We cover all aspects of digital media production with the in-house expertise to help. Contact us on 01992 703900 or email firstname.lastname@example.com
Speak with our specialists today ›


text: Born in Ahualulco, San Luis Potosi in 1960. He studied Visual Arts at the Universidad Autonoma de Nuevo Leon and Costume Design at Arte AC in Monterrey. He started working as a photographer and reporter for the newspapers El Porvenir and El Norte. Soon he found a passion for his craft and a sharp eye to capture the nightlife of the industrial city of Monterrey that adopted him with open arms. His images have been the focus of numerous exhibitions in Mexico and cities such as San Antonio, Los Angeles, San Francisco, New York, Madrid, Paris and Rome.


text:
Our next series of Monday Morning Devotions will focus on praying for our Native American brothers and sisters, particularly those living on reservations.
We ask, as you go through this series, to research your closest Indian reservation, and pray specifically for those people. (Here is an interactive map to help. And here is a list you can sort by state.)
Though this series specifically mentions Native peoples living on reservations, we can't forget that nearly 80% of the Native population live in cities. If you live in a big city, you may want to pray for the Native community within your city. Likewise, Native Alaskan Villages and Hawaiian Homelands need your prayers.
[These devotions are based on Jesus Culture's "Faith for Your City" Devotion Series]
A Heart for Natives
Read Genesis 18:16-33
Abraham said, "Please don't be angry, Lord, and I will speak only once more. What if only ten are found?"
He said, "I will not destroy it if there are ten."
Genesis 18:32
Abraham had a heart of mercy for people. We see it when God told Abraham that he had to deal with the wicked people the two cities, Sodom and Gomorrah. Abraham's first thought was to plead for mercy for those that did not deserve judgment.
Abraham pleaded with God to "spare the city" for the sake of fifty innocent people (Gen 18:24-25). God could not have agreed more. In fact, God would have even spared the city for the sake of only ten innocent people.
As Abraham pleaded with God, he learned more about God's heart for mercy and justice.
It was Abraham's desire to see the innocent people of Sodom and Gomorrah live and thrive, just as it was Jesus' desire to free us from the punishment of our sins. It is now our job to share the Good News of that freedom with all nations.
NativeMinistry.org states that almost 80% of Natives living on reservations have not heard the Gospel of Jesus Christ.
Jesus died 2,000 years ago. The first Bible was printed almost 600 years ago, and you can now carry it with you on your phone. The first Christian Europeans settled Jamestown more than 400 years ago, and we live in a country where "In God We Trust" is printed on our currency.
And yet, there are still Native people in the U.S. who have never heard the Word of God.
Earlier in Chapter 18, Abraham is promised a son, and Sarah laughs. As we move forward in prayer for the Native people, many will laugh or criticize. Centuries of failed evangelism and mistreatment of Native peoples have built a barrier within many communities that, to some, seems impenetrable. (Learn more: here and here) But just as the traveler responded to Sarah:
"Is anything too hard for the Lord?" (Gen. 18:14)
Jesus, thank you for loving the Native people of [your closest reservation/city]. Bless this community with an outpouring of your love and kindness, both from within and from outsiders, that leads all Native people to see Your goodness and turn towards you. In Your name, Amen.


text:
search executive
Job Overview & Duties
As a Paid Search Account Executive, you will be implementing, managing and analyzing Search Advertising campaigns. You will be expected to cost-effectively handle campaigns of each client and compile progress and strategy documents on a regular basis.
This will include:
Processing PPC audits for new clients
Setting and effectively managing paid media campaigns, essentially Google Search,
Establishing targets and managing budgets
You must also be able to set up paid search campaigns by conducting target keyword research and writing relevant ad texts, whilst ensuring effective campaign and keyword structures
Analyzing analytics and feeding back advice (this is an important part of the role)
Proactively keeping up to date with new developments in Search and actively researching, testing and proposing new approaches to improve agency products and offering.
You will work closely with the accounts & executive teams by:
Helping to build proposals
Auditing potential clients' accounts
Helping with or attending pitches from time to time
Skills & Experience
The ideal candidate will have up to 1 year experience of managing multiple clients' Google Ads accounts as well as using Google Analytics software,
Have an understanding of marketing and online media in general and be able to communicate strategies to clients effectively.
Working knowledge of PPC, SEO, Web Analytics.
Be Google Ads qualified, a plus.
Be Google Analytics qualified, a plus.
Possess good organizational skills and the proven ability to execute successful PPC strategies
Excellent communication and presentational skills are also required for this role
Proficiency with advanced Google features, such as display, advanced bidding strategies, shopping campaigns
Job Type: Full-time
Empresa: Anónimo
Local: Lisboa
Tipo: Full-time;
Registo | Login:
Para responder a esta oferta terá primeiro de se registar ou fazer login.


text:
If you are lucky enough to get an interview, congratulations! You have proven to an employer that you are qualified to handle the job. Passing the interview and securing a job offer will require you to prove that you are the best fit for the company beyond your qualifications.
In addition to traditional interview questions that help an interviewer get to know your personality and your goals, you may be asked one or more questions that assess how well you solve problems by applying your qualifications and skills to common challenges in the workplace.
What Are Behavioral Questions?
Most interviewers will spend some time asking you behavioral interview questions. Typically you will be presented with a situation and asked to describe how you would handle the situation. Most commonly the interviewer will ask you to describe a situation during your experiences with a current or past employer.
Why Interviewers Ask Behavioral Questions
Interviewers ask these questions to see how to see how you performed in the past and how you may perform in the future if hired. The intent is not always fool-proof. It's possible that how you responded to a situation in the past is not how you would respond now.
So what exactly are interviewers looking for? Behavioral interview questions give an employer an idea if you a have the necessary skills for the job and if you know how to apply those skills to typical challenges. Interviewers are looking for you to tell a story, but your greatest mistake will be failing to keep your answer focused and relevant.
How To Answer Behavioral Questions
Interviewers are looking for you to tell a story. The most effective storytelling technique is describing a cause-and-effect situation. The best way to answer behavioral interview questions is to identify the situation and briefly describe why it was a problem or challenge. Then identify how you resolved the issue using your skills or knowledge and briefly describe the positive outcomes that resulted from your efforts.
Easy enough right? Behavioral interview questions are by far the most intimidating because there is no way to know for sure questions you may be asked. Preparing for your interview should involve reflecting on your past experience and identifying potential answers.
Start by identifying which skills the employer is specifically looking for. These will include job-specific skills as well as interpersonal skills. Some common behavioral questions will be used to determine how well you work with a team, handle stress, adjust for unexpected challenges, and communicate with others.
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6 Common Behavioral Questions & How To Answer Them
Behavioral interview questions will not be so straightforward with an ideal answer in mind. These questions start with "Give an example of," "Describe a situation when," or "Tell me about..." Here are a few approaches to common behavioral interview questions.
Describe a time when you had to work closely with someone whose personality was different than yours?
This behavioral interview question is assessing your ability to work with others. When answering questions like these, you should think back on experiences working with a team. Avoid speaking negatively about another co-worker. Keep the answer positive, focus on describing your communication skills and adaptability, and identify any measurable results that followed such as meeting a project deadline early or on time.
Give me an example of a time when you did not meet a customer's expectation. What happened, and how did you attempt to resolve the situation?
When asked behavioral questions about working with customers or clients, it's important to describe your presentation and conflict management skills. For example, if the customer is not always right you should describe how you communicated company policies and made sure there were no misunderstandings. Describing how you made an effort to follow up after referring the customer to a higher authority figure is another great tactic.
Describe a time when you failed. How did you deal with the situation?
This is a challenging question to answer positively. Interviewers are looking to see how you accept feedback or criticism and grow from these experiences. Answer transparently and describe how you took action to improve your skills or knowledge. Keep the answer forward-thinking.
Tell me about how you multitask. How do you handle numerous responsibilities?
This is a common "trick" question. Remember that multitasking implies that you don't give a task your full attention. A great tactic is to correct the interviewer and describe your task management skills. Describe how planning and prioritizing tasks have helped you succeed in the past. This is a great way to identify your proven strategies for organizing and completing projects before deadlines as well.
Describe a time when you were able to successfully persuade someone at work to see things your way.
This behavioral interview question is looking closely at your communication and presentation skills more than your teamwork skills. Talk about how you prepared to discuss this issue with a coworker and describe your thought process. The key to answering this question is to describe communication as a tool rather than presenting yourself as an emotional or impulsive communicator.
Tell me about how you handle stress in the workplace.
Don't answer this behavioral question with "Stress motivates me." This is such an overused and empty answer. One approach is to focus on your task management, time management, and project management skills. Give examples that describe how you developed strategies to meet a challenge rather than describing how you felt.
Conquering Behavioral Interview Questions
There are hundreds of websites with lists of common behavioral interview questions and tactics on how to answer them. The five most significant areas that an interviewer may ask behavioral questions are teamwork, leadership, conflict, failures, and general problem solving. Reflecting on your background and identifying at least one situation that relates to these five areas will help you be more prepared to answer behavioral interview questions.


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When did you know you wanted to be an audiobook narrator?
I was listening to more and more audiobooks and I just kept getting the urge to do it.
How did you wind up narrating audiobooks? Was it always your goal or was it something you stumbled into by chance?
I just researched until I found ACX, and on their website it talked about what you needed, how to do it and I just went for it.
Did you find it difficult to "break into" audiobook narration? What skill/tool helped you the most when getting started?
No, it was not difficult to break in but to stay in is a totally different story.
A lot of narrators seem to have a background in theatre. Is that something you think is essential to a successful narration career?
I don't know if it's essential, I have a very limited background from when I was in school. I love theater. However now I do find training very important. Getting an instructor for the type of narration you want to perform, attend seminars and classes in both performance and audio
technology – you should really know how to use the equipment you are utilizing and some employers' will only accept your work if you are using certain technology.
What type of training have you undergone?
I am seeing a coach for non-fiction (Sean Pratt-@SPPresents) and another for fiction (Andi Arndt - @andi_arndt). Between the two a variety of topics in narration and the business of narration are covered. I see improvement every time I have a session, which is really encouraging, I am lucky that although I may not have years of professional acting or collegiate acting training I am able to utilize my coaches to help me improve and to learn more about what it is that I do.
How do you manage to avoid burn-out? What do you do to maintain your enthusiasm for narrating?
For me it is a combination of things. Because of the performance aspect, if I am not feeing it, I try not to push through. I will walk away and do some of the many other things I am responsible for in real life. My hours are really flexible because I work out of a home studio, so sometimes it is just as simple as hanging out with the family. Other times, I find that listening to others narrate in the genre's I work in really helps. Especially when they are good they will motivate me to want to get back in the booth.
Are you an audiobook listener? What about the audiobook format appeals to you?
Yes I am constantly listening! I love audiobooks! For me, I find myself listening while I am doing housework or playing the driver to the kids.
What are your favorite and least favorite parts of narrating an audiobook?
My favorite is recording, getting to immerse myself into another world. I also love the read through of the book; it really gets me excited and helps me to plan out where I am going to go. I guess editing is my least favorite part, but only in comparison to the other parts, I love to do it,
just not as much as performing or reading.
If you could narrate one book from your youth what would it be and why?
I Know Why the Caged Bird Sings – that book spoke to me in my soul on so many different levels I can't even fully describe!
What do you say to those who view listening to audiobooks as "cheating" or as inferior to "real reading"?
Maybe to them, but as a mother of five kids, I know everyone does not learn the same way, receive things the same way and we are very lucky to live in a time that we have audiobooks as a way for people to enjoy books.
What's next for you?
The Elk Riders Series Book 1 – In the Darkness Visible and Book 2 – Voyage of the Elawn by Ted Neil.
About Aundrea Mitchell
After receiving her B.S. and MBA with a concentration in Health Care Management, Aundrea fell madly in love and decided to start her family. Ten years and five children later she was quickly living the full time wife, mother and household management life. Needing a temporary escape from time to time Aundrea returned back to her first love - reading! After devouring everything she could get her hands on she thought, -what if she could mix her love of performance and literature in a professional capacity? Once getting involved in the world of book narration she quickly became hooked and when not with her family you can find her in her studio working hard to grow in her own storytelling


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Getting a Budget from Clients/
Here is a secret from my business: I don't meet with potential clients unless I first have an idea of their budget. I don't need a spreadsheet with every penny accounted for (In fact, I really don't want that!) but I do need a starting number that they feel comfortable with.
Here is another secret to getting this number: You ask. Then if they don't know (many don't and this is okay!) then prob further. Keep asking in different ways to get a number from them. Don't waste their time or your own entertaining a project that is an impossible budget. Usually there are two types of clients, those that have a number but don't want to share it because their afraid you'll abuse their money. Or they really have no idea what it should cost. If you're lucky you'll get a client that has an appropriate budget. If you're unlucky you could get a client that has an unreasonable budget.
Getting a Budget Number from Clients
With either type of client, the best way to make clients feel comfortable enough to give you a number is through transparency. The more they trust you and feel that you're being up-front with them the more likely they will be to share their number. The client sets the budget, they are the ones spending and deciding what they would like in their home.
Here are some ideas to help clients reach their number:
- Ask them to write down some numbers for what they consider reasonable costs of different items.
- Show them examples of past budgets on projects of their size, in this case, literally spreadsheets.
- If you don't have any past budgets, create a sample budget.
- If you normally come in close, at, or under budget let the potential clients know.
- Let them know you that your selections will be based on their budget. The project could be 20K or 100K depending on the quality of goods they want in their home.
Talking About Budgets
One thing that you don't want to do is avoid talking about money. It doesn't look professional to clients and it can cause real trouble down the road. You want to talk about the budget early and often. You certainly don't want to start any work until you know what your client has allocated for the work. You want to get a number from them so you know where to shop, however, you should also let your clients know that while you will keep a general eye on things, it is ultimately the clients responsibility to keep themselves on budget. Let them know if you are showing them something that is over what you've allocated, but it is their choice what to spend. (A side note on this: Watch out for how much you do this because there have been too many design projects where the clients can't finish because they run out of money.)
Here is the bottom line: talking about money is never easy, but the more you do it the easier it gets. Avoidance will just cause project issues.
Best Practices for Budgeting
Here are some tips for budgeting that will help you set up your client's expectations:
- Include 20% overage for unexpected expenses, something always happens.
- Include estimate of shipping/freight/storage/installations costs.
- Clarify if their budget number includes design fees.
- Iterate that budgets are estimates.
- Ask them if they want to see any "reach" options. Some people are more pragmatic than others.
You should never feel like you need to give away your time for clients to have nice things in their home.
Want to help out your fellow designers? Share this article. #collaborationovercompetition


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GINGER: Nigeria is the third largest exporter of ginger in the world after China and India. Most of the ginger that are available for international trade are simply sun-dried over a few days, but artificial drying is also used in the area lacking a defined dry season to coincide with the harvest.
Ginger is produced in six states of the federation namely, Kaduna, Nassarawa, Benue, Niger and Gombe with Kaduna as the major producer. The export markets for ginger includes the United Kingdom, Germany, Spain, Netherland, France, United State of America, Russia, Saudi Arabia among others. The export free on board price of ginger ranges from $1,100 to $1,500/MT depending on the type and form in which the ginger is packaged and also the negotiation made with the buyers.
The local price of dried split ginger ranges from #140,000 and #170,000/MT sometimes or even more depending on the period during its season.
The return on investment is 53.6%. -As at today —————
Albert Opute
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2017 Powered By A-Z SME Network, Developed By MDC Team


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I just stumbled across this great Cannabis time line on the BBC's site. The emphasis is on hemp rather than the smokable kind of cannabis:
1794 Hemp becomes one of the most important agricultural products in the US. George Washington declares "make the most you can of the Indian Hemp seed and sow it everywhere."


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Let the Sea | Set you Free | Shanyuan Beach | Taitung
During 2014 Summer,
I begin my working trip to Taiwan for 2 months.
It was definitely a wonderful Journey I had been.
I had an round island trip for 2 weeks by myself.
It has been almost 3 months since i back here,
people were asking me which part of Taiwan is the best.
I smile and reply:
everywhere as long there is STORY.
Taiwan east coast was one of the beautiful part I remember the most because of
the people I met and the story I discovered.
The sky of Taitung during my visit on Summer is so blue.
I love nature. sky. sea. shore.
in still moments by the sea life seems large drawn and simple.
I love nature. sky. sea. shore.
in still moments by the sea life seems large drawn and simple.
The use of sea and air is common to all; neither can a title to the ocean belong to anyone.
The use of sea and air is common to all; neither can a title to the ocean belong to anyone.
We are like islands in the sea, separate on the surface but connected in the deep.
-William James
Along the east coast of the Taitung county,
Shanyuan Beach is one of the place I dropby.
Shanyuan Beach is one of the place I dropby.
It located at east coast of Taiwan that located 12km north from the Taitung town.
The longest swimmable beach (1.5km long) between Hualien and Taitung County.
The clear water off Shanyuan are suitable for sailing, surfing and swimming.
It was a fantastic experience for me,
to meet this girl during my visit at Taitung.
With her bike, we made it to so many spots along the East Coast.
The winds, the sea, and the moving tides always remind me of the
spontaneous idea I ever had- to invite a-soon-to-be-friend stranger
to travel together.
If there is photos in my blog about the sea, it is not because I deliberately put it there,
but because there is story I wanted to share,
there is millions thanks I wanted to tell.
Time is more complex near to the sea than any other place.
Sea is as simple as sky to set us free.
The sea waves beat out the passage of time each and everytime on the rocks and shores.
The tide rise and fall as a reminder, as a memory.
Thanks for the guiding and companion for the day trip at taitung,
it was definitely one of the best day in my life.
Wishing you all the best in your future!
till we meet again!
Apart from the beautiful scenery is current condition of the beach,
there is one issue I would like to highlight here.
there is one issue I would like to highlight here.
The beach was supposed to be public use until the recent case which involve
the expropriation of the land issue between the big developers and the government.
The issue of the expropriation of private land and the public land happen almost
in everywhere. Taiwan is one the country that facing this kind of issue which the
developer (Miramar) try to occupy the public beach as their property.
Taitung locals continue fight for the beach since the development
will destroy the environment as well as the local's economy.
This is one of the local issue I face during my travel.
According to the news, Miramar declare their development to be 9 hectares but
they applied for expansion permits each year.
In the end, they had a resort 6 times the size of orinally plans without
Environmental Impact assessment (EIA)


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I intended to write a blog post about this on or around Kitty's birthday but I just didn't have the chance. It's been that kind of a year. Those who know me, or are friends on Facebook, will be intimately acquainted with the awfulness that I and my family have been facing. At least most of it. For those that don't, I will write it all down as succinctly as possible.
It started on New Years Eve. I came home from a holiday to find a letter about our Down's screening. As we'd not had a phone call, I knew the results would be low risk and, even though I know that they are just odds and not a positive or negative result, I was expecting a reassuring number. I got 1 in 267. Okay, those aren't massive odds but in some places 1 in 250 is considered high and Kitty's risk was 1 in 7000 so 1 in 267 was a bucket of cold water. This combined with arguing with my parents over their need to move closer to us and the stress of trying to buy a property ourselves was enough to send me into a & e with palpitations. My heart was fine and the down's fears were soon to prove the least of my troubles. In February both my father and my father in law were admitted into hospital, within two weeks, we had lost them both. My husband and I inherited the care of my mother who was significantly more unwell than we had been lead to believe and who started drinking heavily after losing my Dad. We were left trying to plan for care and home help while working through my Dad's affairs which were far more complicated than they should have been all while expecting our second child. Over the course of the following months my daughter was taken into a & e three times, twice after falling accidents (I may have overreacted but given what we were going through, who could blame me?) and breathing difficulties, thanks to a nasty virus that landed her on a nebuliser. My husband also ended up in the hospital after getting his hand caught in a machine at work and had to have reconstructive surgery. Our girl dog suffered some kind of seizure from which she did not recover and our boy dog suffered such catastrophic age related nerve degeneration that the vet recommended that we put him to sleep too. My mother had a series of falls which resulted in a lot of emergency trips down to see her, twice involving the door being broken in and she was eventually admitted into hospital herself with a fractured pelvis. My son eventually arrived healthy but two weeks early, just in time for us to coordinate Mum's move into warden lead accommodation. Phew. There are four months left of 2017, I shudder to think what they may have in store.
As you can imagine, I've learned a lot of things, not all of them about being a parent:
- You can do it. If you have to, you can. The moment that you think you can't cope anymore comes right before the moment when you discover that you can and will soldier through. This is true of childbirth, parenting and any number of other things that life can throw at you.
- Children make you carry on. You may want to sit on the sofa, chain drink tea and watch crap on TV but you can't, so you don't and your children will force you to put one foot in front of the other.
- You can shut down your emotions, but not forever. My husband has done a lot of the stressful legwork and paperwork associated with probate, power of attorney and house moves. He's needed me to be calm and stable for him, my kids have needed me to be calm and stable for them and I have managed it most of the time. Sometimes I can't, no one can, carrying the emotional burdens of a family on your own is impossible. You have to accept that.
- You need a lot less sleep than you think you do. I said that last year but it stands true even more so now.
- Things can always get worse but you can handle it. The really awful things help you to see the less awful things in a new light. That's not to say that they won't hurt, and you never know what might be the straw that broke the camel's back but it will be okay. You will always find a reason to smile if you look for it.
- When times get tough you have to give yourself a little breathing room and acknowledge that you are not perfect. You may burst into tears publicly or lose your temper at your kids, these are things that normal flawed people will do when they are under duress. It doesn't make you a bad person, it makes you human. I remind myself of this whenever I fall short of my own expectations.
- People can be wonderful. There will always be help offered, the biggest trouble you may face is accepting it. I feel guilty when I ask for help. I feel like I'm putting on people, I am, as my mother-in-law would say, 'a bugger for that'. But knowing that people care enough to offer can be enough to brighten a dark moment.
- It is important to remember that others have their problems too. Never, ever forget that other people also suffer. Thinking that you are the only one going through this is a dark place to be in and an incredibly selfish perspective to take. If you can prevent yourself from wallowing and remember to look outwards and think of others, you will feel better, I promise.
- Silence is golden. The modern world is full of chatter. It's easy to spend your time browsing the internet or flicking from channel to channel but, in many ways, that is just as overwhelming as anything else that life can throw at you. Silence is restorative. Lack of stimulation can be heaven. Let yourself breathe from time to time.
- It is important to take some time for you. Whatever it is that you need to do to feel more like yourself, whether that involves taking care over your appearance, reading a book or, like me, right now, writing a blog post, take the time to do it whenever you can. It's not selfish, it's sane.
Lessons need to be learned and relearned, I'm just about to read last year's post to remind myself of what I should already know. Knowing does not make it working practice. Knowing is a good first step though. I think I now know quite a bit.