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Welcome to SmartGems
Smartgems Ecosystem 2019
The World's Most Exclusive Industries
Build A Global Jewellery Dynasty
Smartgems is a revolutionary platform in the blockchain era. Its essential meaning is global jewellery digitization.
A secured cryptocurrency ecosystem fully-backed by high quality investment grade jewellery.
Members may use the SGSS token to do transaction or purchase goods at discounted price. The unit price of each SGSS may also rise considerably above its initial offering price due to its limited supply and also the increasing demand from international market because of its pegging nature.
Crystal Features
Main features of Smartgems business model:
- World-Class Assets
- Prominent marketing team
- Blockchain Technology
- Stable in value
- Redeemable
- Trade-able
- Certification
- Auditable
- 100% backed by jewellery
- No middleman
- Transparency
Smartgems token (SGSS) is an ERC20 compatible token build on the Ethereum blockchain network. Total amount generated is 100 million. A total of 80 million tokens will be available for public particiation.
"SGSS is a cryptocurrency that is pegged to the value of an underlying asset/jewellery. It is a stable cryptocurrency because the value of these token are kept stable in relation to the underlying asset."
Smartgems is adopting the blockchain technology to further enhance the profitability and efficiency of the global jewellery industry.
(SGSS token will become one of the most powerful and the top usable cryptocurrency in the blockchain ecosystem.)
Smartgems (SGSS)
A decentralized ecosystem that is 100% backed up by luxurious jewellery to create a stable coin environment.
And at the same time its partial centralized algorithm from the business operations, will ensure project participants will acquire maximum profits from the increasing value of the jewellery due to its scarcity and also from the increasing stock inventories.
Smartgems is tokenizing the world's precious commodity — jewellery and gemstones. We're building a liquid method to exchange jewellery's digital value with a real-world usage and exposure to the jewellery & gemstones industries.
SmartGems is a revolutionary and combination blockchain technological company that unifies currently divided global jewellery markets. SmartGems disruptive trading model is the epoch to new era of economic harmony between the traditional jewellery market and contemporary blockchain marketplaces.
Smartgems ecosystem is powered by two platforms which are in developmental alpha stage.
a) e-Commerce & Redeem Platform (will be available for public testing during Q1-Q2 2019)
b) Cryptocurrency Instant Exchange
In the coming 2019, the hottest Cryptocurrencies are the one that are backed by real worthy assets (jewellery) that are stable in value. Not digital conceptual cryptocurrency that are susceptible to pump-dump activities!
Participants can redeem tokens with jewellery. Allows end users to redeem their tokens in the real-world jewellery market without relying upon the hard-to-find expertise.
Vision: Creating a Cryptocurrency with it's value based on reals assets (precious jewellery). Allocated it in a hybrid nature ecosystem (Decentralization + Centralization) to maintain sustainable growth and avoid wide-swing volatility.
Explore the features we have for you!
Investment grade jewellery as a trade-able digital asset.
Trade-able in the exchanges as a digital commodity.
Based on distributed technology in the Blockchain.
Can be redeemed for jewellery through the project's marketplace.
Pegged to investment grade jewellery and gemstone.
Annual audit, performed by a third party company.
Collected Fund Distribution
The Contribution Funds from the crowdfunding event will be used to further develop the SmartGems Ecosystem, to stock-up jewellery inventories and to build a global jewellery dynasty , to build specific platform tools, strategic partnership, marketing and technical development.
We reserve the right to change the above use of proceeds if our management believes it is in our best interests. Examples of situations that could possibly lead to reallocating the proceeds include stronger (or weaker) than expected user acceptance of the SmartGems Ecosystem, stronger (or weaker) than expected response to the Company's business model in international markets, or significant changes in macro-economic conditions.
Roadmap and Timeline
(Please kindly refer to the Whitepaper for the complete details on our time-line and roadmap structures)
Token offering for both accredited and member-only participants. Release whitepaper. Marketing conference.
⁕ Launching alpha platform for public testing.
⁕ Testing redemption process.
⁕ Launching Instant Crypto Exchange
⁕ World-wide Marketing Campaign
⁕ Launch social media channels
⁕ Launching beta platform for final testing.
⁕ Prepare for Crypto-Exchange Listing.
⁕ Publish legal documents.
⁕ Partnership with international assets exchange.
⁕ Primary legal, technical and other analysis.
⁕ Establishment of the final legal scheme, taken into consideration the possibility of tokens legalization as securities and ITO.
⁕ Publish Redemption reports and tutorial.
*Roadmap and timeline may subject to change without advance notice
Frequently Asked Questions
The evolution of the world economy has been nearly identical for each commodity. Hundreds of years of hand-to-hand trading in the actual, physical merchandise eventually gives way to more sophisticated financial markets built atop them. This upgrade allows markets to be expand while remaining more secure. Alone among all the other physical commodities, only the jewellery market has never taken this next (and necessary) step and without commoditization, the jewellery trade will remain flawed unrefined and closed. Without commoditization, the jewellery trade has remained flawed, unrefined and closed.
Using the latest technological developments, Smartgems has created a state-of-the-art algorithm that has standardized price evaluation of the precious stones, and compares individual diamond grade to daily market conditions. This standardizes and automates a primitive market – allowing Smartgems to unlock the world's first financial market for jewellery.
By commoditising the jewellery market, Smartgems has made the commodity accessible to all users who no longer need to rely on hard-to-find expertise. Investors can purchase SGSS tokens, a jewellery-backed digital currency, which can be redeemed in the real-world jewellery market. By being linked to a physical commodity averaging an appreciation of 12-15% annually, the SGSS token remains one of the most stable and promising assets.
Beyond that the SGSS token will also function as a means of payment that will help kick-start jewelry industries in two ways: by allowing members of the crypto world to purchase jewellery , and as a B2B payment method between members of the diamond industry themselves.
Smartgems melds hi-tech, a strong base within the crypto community and strategic partnerships in the diamond industry to sit in the driver's seat of an exciting ecosystem bringing millions of people to the convergence of the crypto and jewellery markets.
Smartgems is domiciled in Cayman Islands, with most operations and development in South East Asia and Europe.
With hard-work, consistency, discipline and marketing strategy, we firmly believe that SGSS will become one of the most powerful, prominent cryptocurrency in the world.
- It is a stable coin pegged to investment grade jewellery.
- SGSS is posed to be one of the most sought after token because of the gradual scarcity of the high grade jewellery.
- Smartgems has a very powerful and comprehensive marketing team and strategy.
- We are very confident that with SGSS's limited supply and its sound business operation, SGSS will experience steady rise in the token's price due to demand exceed the supply.
- Apart from the stable-coin factor and also the expected gradual increase of the token price after it is listed in the exchange, part of the revenue gained from our business operation, will be channeled back to the ecosystem to purchase more jewellery to increase the stock inventories, hence higher will be the pegging value of the SGSS token.
By applying blockchain technology based on the revolutionary distributed ledger technology, Smartgems, creates a state-of-the-art system to enable jewellery industry digitization
Tokenizing jewellery allows us to sidestep the inherent individuality of each jewellery, thus breaking down the homogeneity barrier. It acts as a type of 'second-stage processing,' converting the value assigned to a physical jewellery into a generic, divisible, jewellery-backed token. Not only can these digital tokens be effortlessly transferred upon contract fulfillment, but they also eliminate the traditional geographic or temporal limitations of jewellery industry.
Our token-jewellery conversion system makes the SGSS Token a new, first-of-its-kind digital asset.
All jewellery and gemstones will be stored in security vaults of safe deposit box companies that meet the security standards of storing this type of asset. The first batch of these stones is stored in secure vaults of a safe deposit box company in the designated countries.
Blockchain partners we are currently working with or will be working with.
Our Teamship
Smartgems will disclose the full team members' profile soon.
Nothing herein constitutes an offer to sell, or the solicitation of an offer to buy, any tokens, nor shall there be any offer, solicitation or sale of SGSS tokens in any jurisdiction in which such offer, solicitation or sale would be unlawful. You should carefully read and fully understand the white paper and any updates. Every potential token purchaser will be required to undergo an on-boarding process that includes identity verification and certain other documentation, which you should read carefully and understand fully because you will be legally bound. Please make sure to consult with appropriate advisers and others.


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Be part of the Pride Round 2018 Guard of Honour
Thanks to everyone who entered. The winners were notified just after 4pm on Thursday. If any additional slots open up, a redraw will be performed.
Surprise! Heading down to Melbourne for Pride Round? Rainbow Swans financial members have the chance to be part of the Guard of Honour as our boys take the field this Saturday night.
Full details are at the link below and you have until 6pm today Wednesday, 6 June 2018 to submit your interest. You'll need to have your ticket for entry into the game as well. Still need a ticket? Check out our Events tab here and on our Facebook Page for links to blocks of tickets that are being held for Rainbow Swans to be able to purchase.

subset: commoncrawl


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Pimples come and go as they please. You can be following a 10-step skincare regimen and still wake up to a friend who decided to show up uninvited. Fortunately, there are products out there that'll make sure our pimple friends don't overstay their welcome. Mighty Patch from Hero Cosmetics is one of them. These Korean-inspired acne patches zap blemishes like no other, in a gentle yet effective way. And allow me to make your day with this news: You can get a sample pack of six patches for free in celebration of acne awareness month.
Starting today, simply head to the website and add one of these sample packs to your cart, which usually retail for $12. The patches will cost you zero dollars—all you have to do is pay $1 for shipping, and then boom, it's on the way to you. You might want to grab these fast because this is a monthlong deal until supplies last and limited to one sample pack per person.
You might be wondering: What exactly are these magical patches that happen to be free? The scenario sounds a little too good to be true for your skin, so you might be skeptical. But listen up: These things are the real deal. Created by Korean beauty expert Ju Rhyu, these patches were inspired by her trip to Korea when she discovered the popular use of hydrocolloid patches. Hydrocolloid is an ingredient that essentially acts as a repellant, absorbing pus and fluid from your whitehead or inflamed area.
These vegan-friendly, cruelty-free, drug-free patches don't use any harsh ingredients like parabens or sulfates, so even those with the most sensitive skin will feel safe trying them.
I've tried them and found it grossly satisfying to see the pus from my whitehead stick to the patch. Ew, but yay, it worked. I have seriously sensitive skin, but I wore a patch overnight and woke up to a visibly flatter pimple. All you do is cleanse your skin and apply this to a clean, dry area. It feels gentle and provides a protective layer so I won't have the urge to touch my pimple. Guilty.
I have a dark skin tone, so I love that these patches are clear and transparent. If I want to pop one on at my desk or during the day, there's not a glaring white dot on my face. The brand also says it's totally fine to wear this with makeup, as the patch has a matte finish created to blend right in.
In short, you should definitely take advantage of this too-good-to-be-true deal and score one of these gems for free. Even if you are lucky enough to not be dealing with a pimple right now, keep these convenient patches in your back pocket to greet them the next time one creeps up. After your test-drive, if you're feeling acne patches, ahead are a few others we can vouch for.
These pads contain hydrocolloid with salicylic acid to fight bacteria and de-clog pores. Each pad is also infused with soothing vitamin A to calm any sign of irritation.
This gel-based formula is full of acne-fighting ingredients to banish pimples and soothe inflamed areas of the skin.
If you're dealing with dark spots from acne scars, pop one of these waterproof patches on. They have healing benefits while also working to extract gunk from your pores.
Using all-natural, healthy ingredients like tea tree oil and calendula oil, these pimple fighters will get the job done without leaving behind harsh side effects like a rash.


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The blogger writes God is unfair, hidden, and narcissistic. The blogger continues to make moral claims about God. She says God is "unfair" and "narcissistic." But can the blogger justify moral absolutes, such as fairness, and selflessness, given her atheism? I think not. It is as if the blogger has shot bullets with a gun, and both, she cannot have in principle, since her worldview cannot justify such things. However, it is on the basis of Christianity, she can make such claims, since moral absolutes are justified by the Absolute, omni-benevolent God of scripture. The blogger is made in the image of God although she continues in self-deception to suppress the truth in unrighteousness. So we can take the bloggers assertions seriously only because Christianity is true. What do we make of her claims? First, no one is innocent, and therefore, God owes mankind only justice. To say that God is unfair is to bite the hand that provides and sustains the one that makes the claim. But more to the point, to make such a claim, one must be judging God by some moral standards that are rationally unjustifiable (e.g. moral realism, and moral relativism). Since the only necessary justifiable foundation for absolute moral standards is God's absolute character.
Is God selfish? No, since God is self-sufficient (in no need of anything) and morally perfect (doesn't lack any moral perfection). Why then does he require man to repent and believe in him? Simply put, it pleased him to do so. He freely chose to condescend, and have communion with his creatures. He was not obligated to do so but he did. Mankind now is commanded everywhere to repent and trust in Christ's life, death, and resurrection for salvation.


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October 29, 2018 - from Congressional Hunger Center Blog
This summer, four Bonner students traveled to Washington, D.C., to participate in the pilot cohort of the Zero Hunger Internship Program, a new initiative developed by the Congressional Hunger Center and the Bonner Foundation.
Leveraging the Congressional Hunger Center's policy education and leadership development expertise and the Bonner Foundation's extensive network of service-focused leaders, the program gives students in the Bonner network an opportunity to learn about federal anti-hunger policy and gain firsthand experience working with nationally-focused organizations. After the internship, these student leaders bring back their new anti-hunger advocacy skills to their campus communities.


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Learn to Swing dance with SwingDanceUK at the Paradise.
Teacher: Nina Daines
Get in the Swing of things with this weekly Tuesday Lindy Hop night! Drop-in for a one hour class, plus a chance to practise afterwards. Each week learn 3 new moves. Start any week, no experience necessary or partner required. Option to book for 6-week course.
7.30pm-8.30pm: Beginners Lindy Hop - no partner required
£8 drop in / £36 for 6-week course
Cash on the day only


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December 6, 2018
"I met a beggar in the street, he asked for alms. and I, not liking promiscuous charity, passed on and then had qualms. I turned and sought him out but found him not. He had passed the poorer and I am poorer too." So do most of us iss the opportunities of relieving the poverty and suffering of our brethren. We think we are assuring our happiness but exploitation nurtures bitterness in the heart of the oppressed and leads to a social exploitation which spreads unhappiness all round. Hoarded wealth is a curse. Yet man accumulates wealth and strives his utmost to obtain more.
Our scriptures insist that we shoud produce more food and more wealth. Yet, again, one is unable to resist the temptation to regard that as "earned" (often by exploitation) wealth as our own and to regard with suspsicion anyone who asks for a share of it.
Gurudev suggested a way out: "Consider that you are the only trustee of the waelth that hsa been entrusted to you by God." You are certainly not going to take it away with you when you leave this world, so why make yourself and others miserable by hoarding it?
Put yourself in the other man's position sincerely and truly. Be compassionate. Turn accursed wealth into a great blessing. Share with all.


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If you are interested in applying as a candidate, fill in this form and one of our specialists will be in touch. For general enquiries, please use the form below.
If you are interested in applying as a candidate, fill in this form and one of our specialists will be in touch. For general enquiries, please use the form below.
Looking for the perfect career, or the best candidates for your job role?
Get in touch with us, we'd love to make it happen.
Bespoke Medical Solutions is a growing specialist in fixed-term and permanent medical recruitment.
We fully understand the medical recruitment market, from the qualities of our doctors, all the way through to how to best match them to the needs of our clients. We are focused on delivering highly qualified medical doctors to hospitals across the UK and Ireland.
We work with doctors from all over the world. The demand for highly skilled medical professionals continues to increase, and we understand the pressure and level of expertise required in this constantly shifting market.
We place a huge emphasis on our candidate selection and screening processes. We make sure that we truly understand our candidates, so that we can align your skill sets with the best suited hospitals across the UK and Ireland.
At Bespoke Medical Solutions, we have a wealth of experience and expertise in medical recruitment. We focus on permanent and fixed-term placements, and aim to cut down on locum expenditure, without compromising on the quality of doctors within your trust. We use specialised search capabilities to find and carefully vet candidates prior to submission to maintain a standard of excellence that we pride ourselves on.


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The Pintail will be in the Deer Harbor and Crane Island area on the afternoon of Monday, February 13th. We have extra space on deck and can make additional stops in the area. Share-the-fare rates are available. Call us for an estimate.
Back to All Events
Earlier Event: February 10Feb 10 - Roche Harbor and vicinity
Later Event: February 14Feb 14 - Roche Harbor and vicinity


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There is nothing I can not tolerate like being told what to do with my life. I refuse to conform to the expectations of society. My life is my own and I will live it as I see fit. I say to each his own.
You are unique…There is literally no one in this world like you! I am my own person – an individual in every sense of the word. Therefore my story is my own…and I refuse to allow anyone else to impose on that. There is a very thin line between advice and telling someone what to do! I know myself and the things that I want for my life. We may have similar destinations in mind, but my journey is my own. And I choose the road less travelled by.
I will not let myself be defined my society's rules or standards. I am who I choose to be…and I choose not to conform.
Your life is yours – own it.


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Feature in the Beswoon Event 2016
I'm very excited to announce that I will be a featured vendor at the Beswoon Bridal Showcase event of 2016!
Beswoon is one of the most unique ways for talented wedding vendors to display all in one space. It is a curated bridal showcase that is untraditional and well worth exploring. I like to compare it to a trip to IKEA where each room you step into has a theme. You will be able to connect with talented wedding professionals that inspire swoon-worthy details for your big day. I will have the pleasure to be featured in the Southwest Bohemian room, which is described as:
"A little whimsy meets a lot of color. Southwest Bohemian intertwines geometric patterns, bold colors and desert plants to set the scene for a free-spirited day. Details like dreamcatchers, feathers and rugs make the design truly pop."
Check out my pinterest page for Southwest Bohemian Wedding Inspiration
This year Beswoon will be located at Thompson's Point on Saturday, March 26, 4pm to 8pm. Couples get the chance to mingle while exploring each room for a truly unique inspirational experience.
I hope to see you at the event! Get your tickets here.


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under☮construction. +/-feedback wanted. the importance of nonsense hardly can be overstated. the more clearly we experience something as 'nonsense', the more clearly we are experiencing the boundaries of our own self-imposed cognitive structures. 'nonsense' is that which does not fit into the prearranged patterns which we have superimposed on reality. there is no such thing as 'nonsense' apart from a judgmental intellect which calls it that.
Saturday, May 14, 2011
hey hey dr. girlfriend
hey hey careful- that's not sustenance. it's processed villain and condensed like plywood only slightly on the edible side you got a big screen for media immediately he just wanted to zone out and kill people. he'd been working all day. that's one thing to tolerate- pickup that beautiful guitar, rather, play. the best image to sorry relay why don't i draw now i'm not the only one who writes letters to exes. would they understand, the ones who share my past time. would they agree absessive ornery. not obsessed a bit but not with actuality none of mine come forth in the right order. a jerk he's hilarity. to much energy cupido in one place if i knew it was some kind of test i'd go ahead but i don't want to think so i'd rather let this go dead isn't that what out love turned stale needed the lyrics sooner a transfusion or of pulling down the vines hated me by the end i wrote accidentally packed it in i'm full of anecdotes and well this is a customary bloodletting not high art, no
Posted by frans rilea khaous at 2:24 PM


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Harvard Public Health Journal
The newest information in Healthcare IT – straight to your inbox. It may be especially widespread in people who are exhausted and "hangry" (hungry when indignant) all day and whose minds abruptly go broad-awake at bedtime. Your loved ones's nicely-being is necessary to us. That's why OHSU's Health magazine brings you the newest analysis news, expert recommendation and occasion listings that will help you stay current and preserve your family healthy.
The first step in establishing your personal vitamin program is to make sure that each day you are receiving those nutritional vitamins and other nutrients which are truly essential to the human body. Annoyed by the Trump administration's gradual response, Iowa's Republican leaders have withdrawn their formidable proposal to determine an alternate particular person health insurance coverage system to replace the Affordable Care Act's alternate market.
The strongest proof yet for tocotrienols comes from a clinical study during which … Read more


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The first time I saw it, I was on a mission trip to New York City in June, 2002—just about 9 and a half months after the terrorist attacks. The Cross at Ground Zero stood on a pedestal with an American flag waving at the base of it. At that time, efforts to recover those who perished had recently been completed. It was, and still is considered to be sacred ground, even as construction continues there to this day.
The two intersecting steel beams where found by construction workers in the rubble in the days following September 11, 2001. The cross became a source of comfort to people of all faiths who worked at the site, as well as to those who have visited for more than a decade.
It's no surprise of course that atheist organizations have expressed their displeasure with the icon over the years. Most recently, American Atheists has filed a lawsuit that claims, oddly enough, that the cross at Ground Zero is making them sick.
According to WorldNet Daily, the lawsuit, American Atheists v. Port Authority of New York and New Jersey makes the bizarre claim that the plaintiffs "have suffered …. dyspepsia, symptoms of depression, headaches, anxiety, and mental pain and anguish from the knowledge that they are made to feel officially excluded from the ranks of citizens who were directly injured by the 9/11 attack." They go on to make the suggestion that at the very least, they'd like to have a 17-foot "A for atheists" structure built in order to promote their non-beliefs at Ground Zero.
Jay Sekulow, Chief Counsel for the American Center for Law and Justice calls the lawsuit "absurd" and countered by filing a friend- of- the- court brief signed by more than 100,000 people in support of the Ground Zero Cross.
The National September 11 Memorial and Museum has stated that the cross is an "important and essential artifact [that] comprises a key component of the retelling of the story of 9/11" The museum also contends, "We are in the business of telling the story of 9/11 and the victims of 9/11", and the Cross is part of an exhibit to tell that story. One museum official said, "In the historical exhibition, the cross is part of our commitment to bring back the authentic physical reminders that tell the story of 9/11 in a way nothing else can."
Even other atheist groups find the lawsuit to be a frivolous waste of time. Susan Jacoby, who writes an atheist blog for The Washington Post, agreed it "misconstrues the First Amendment".
It's unlikely American Atheists will get very far with this particular lawsuit, but still they'll press on, looking for some other thing, somewhere to offend them. In fact, they seem to spend an awful lot of time and energy railing against Someone they say they don't even believe exists. They're either the stupidest people on the planet, or there's something else going on here.
To put it another way, let's look at unicorns. I don't believe they exist. Until I just typed that sentence, I haven't thought about them. I don't start organizations or give to organizations that try to get other people to believe unicorns don't exist. I don't file lawsuits to attempt to remove all unicorns from public display. When I see a picture of one, I don't claim physical illness or mental distress. They just aren't on my radar.
Perhaps these atheists are feeling physical symptoms because something deep inside themselves that they can't control is coming to the surface. The part they deny exists (the spirit) is trying to break free. For an atheist, the Ground Zero Cross may not be causing indigestion so much as it's causing conviction.
*** UPDATE: 4/1/13: On Friday (Good Friday), March 29, 2013, New York Federal Judge Deborah Batts rejected the atheist group's arguments and threw this case out. You can read about it here. A victory for common sense and The Cross.


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The Neighborhood Children's Sports League (NCSL) is a non-profit 501(c)3 organization that was established in 1958 to serve the needs of children in Milwaukee.
Today the mission of the NCSL is to use sports to change a perception, a culture and a community
The NCSL vision is to offer sports for boys and girls to realize their dreams with hard work and dedication are attainable in their future.
A "Blueprint" for Educational Achievement
(Lessons from the life and calling of a once failed student)
By Dr. Harry Edwards
Owing to academic deficiencies, I attended a community college for a semester. I did not qualify to enroll in any of the 4-year colleges offering me an athletic scholarship in football, basketball, or track and field. Three and a half years later, I graduated with honors and a B.A. degree in Sociology from San Jose State University and accepted a Woodrow Wilson Fellowship to attend Cornell University, where I earned both an M.A. degree and a Ph.D. degree before later joining the Sociology faculty at the University of California at Berkeley. Outlined below is what more than 50 years of experience as a student and teacher has taught me relative to meeting the challenges of educational development: a "blueprint" for academic achievement and success.
I. Follow your bliss. Seriously explore and consider paths that might lead not just to achieving a career interest but to realizing your calling - that educational option and emphasis that for you lies at the confluence of talent, passion, productive potential, and opportunity.
II. Cultivate the habit of high expectations of yourself and of every effort that you undertake in pursuit of your educational goals.
III. Respect the challenges and demands of your calling by learning to dream with your eyes open. The achievement of a calling always means meeting demands and surmounting challenges - known and unanticipated. There will be routine educational requirements and there will be those educational "mountains and valleys" that you never could have fully foreseen.
IV. Learn to "behave as if". Cultivate the habit of behaving, of "acting" as if you are already an outstanding, accomplished student. Ask yourself at every turn, "what would a committed student choose to do at this juncture, in this situation, at this "fork in my path"?". Every outstanding student that I have ever encountered shared my own experience of having thought like, worked like, and made choices like an outstanding student long before they became outstanding students.
V. Commit to a strategy, practice, and disciplined program of hard work. I have often been asked if there is a "short cut" to educational achievement and success. Hard Work IS the short cut - every other path is more difficult. Maximize the results of your hard work - organize, prioritize, and have a plan for meeting the challenges of your calling.
VI. Persevere. Stay on course by employing a strategy of "living in anticipation of tomorrow." Living in anticipation of tomorrow means cultivating and abiding by the understanding that what you do today never fully recedes into the past with the passage of time. Rather, your commitments, actions, and experiences, in some substantial part or measure, advance in life with you, strongly influencing who and what you are becoming.
VII. And, lastly, learn and abide by the work-rest cycle of your mind and body. When fatigue sets in even the most inspired and committed student can become dull and increasingly less educationally productive. On the other hand, hard work followed by a well-earned period of rest and "recreation" often reinvigorates and re-energizes educational effort and even insight. Rest and recreation make critical contributions toward maximizing the productivity of hard work.
Dr. Harry Edwards is Professor Emeritus of Sociology at the University of California at Berkeley, Distinguished Scholar at the Texas Program in Sports and Media, University of Texas at Austin, and a staff consultant with the San Francisco Forty Niners.


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SALISBURY, MD – July 20, 2016: Chesapeake Shipbuilding Corp. of Salisbury, MD announced it has successfully delivered another ocean going tugboat to Vane Brothers of Baltimore, MD. The boat, named Fort McHenry, marks the 12th tugboat that Chesapeake Shipbuilding has built for the maritime transportation company. Chesapeake Shipbuilding has 5 additional tugboats under construction for Vane Brothers.
The Fort McHenry is equipped with twin Caterpillar 3512 main engines producing a combined 3,000 horsepower, and a single drum hydraulic winch from JonRie of New Jersey. The tug measures 94' long with a 32' beam, and a 13' depth.
All Chesapeake Shipbuilding tugs are built in a controlled indoor environment prior to being moved and launched into Maryland's Wicomico River. Chesapeake Shipbuilding has recently made significant upgrades to its facility to increase its production capacity and efficiency.
About Chesapeake Shipbuilding
Chesapeake Shipbuilding designs and builds steel and aluminum commercial vessels primarily between 100 and 400 feet. The yard has upgraded its production capacity significantly in recent years, by acquiring additional land, building two new hull fabrication buildings and investing in additional automated equipment. Chesapeake Shipbuilding launched on July 9, 2016 a 280' passenger vessel for American Cruise Lines.
Chesapeake Shipbuilding is a leading designer and builder of commercial vessels in the United States. Chesapeake Shipbuilding designs and builds both inland and ocean going vessels between 100 and 400 feet that operate worldwide. With over 35 years of experience and specialization in the design and construction of passenger vessels, tugboats, ferry boats, etc., Chesapeake Shipbuilding is positioned as the unrivaled expert in the field. Chesapeake Shipbuilding currently has 7 vessels under construction.
Chesapeake Shipbuilding's construction yard is located on 14 acres of level land, with more than 2400 ft. of deepwater bulkhead, along the protected waters of Maryland's Wicomico River. Chesapeake Shipbuilding has 2 outfitting basins, 3 level construction/side launch systems, plus a ground transfer system and 5 large hull fabrication buildings in addition to various shop buildings. With Maryland's mild weather, a skilled workforce and a convenient location near the marine suppliers in Norfolk, Baltimore, and Philadelphia, they are usually able to deliver vessels in record time. For more information, visit www.chesapeakeshipbuilding.com.


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Delaney In the Media
350 attend miami premiere of climate-change documentary
As South Floridians begin to awaken to the reality of King Tides, salty street flooding, and the emerging impact of sea-level rise on their communities, more than 350 residents gathered for a special premiere of National Geographic's documentary Gathering Storm.
The Miami-based episode of Season Two of NatGeo's award-winning series, Years of Living Dangerously, was screened before a full house at Little Havana's Tower Theater on Oct. 27. Starring Hollywood actor/musician Jack Black, the film focuses on Miami's plight from global warming and sea-level rise.
A future so bright: meet the prize-winning young people working toward a greener, better tomorrow
By: Katie O'Reilly
Delaney Reynolds, who grew up in Miami and No Name Key, a 1,000-acre island in the Florida Keys, became concerned about sea-level rise at an early age. So, she founded The Sink or Swim Project to educate and engage young South Floridians in political action around climate change. "Kids get it," says Reynolds, who last year mobilized Miami-Dade County to appoint its first-ever chief sustainability officer, and who's currently working with the mayor of South Miami to implement an ordinance requiring solar power on new and renovated buildings.
climate change puts focus on miami
By: Jessica M. Castillo, University of Miami News
With over $3 billion worth of property at risk for climate change effects, it's no wonder Miami and UM's renowned climate scientists Ben Kirtman and Hal Wanless are featured in season two of the acclaimed National Geographic series Years of Living Dangerously.
Kirtman, professor of atmospheric sciences and director of the Cooperative Institute for Marine & Atmospheric Studies at the Rosenstiel School of Marine and Atmospheric Science, and Wanless, professor and chair of the geological science at the College of Arts and Sciences, left Jack Black speechless when they displayed their latest climate science data. The worst estimates show most of Miami completely inundated by the end of the century.
National Geographic climate-change documentary screns in litle havana's tower theater
By: Miami Herald Staff
In the wake of the annual sunny-day flooding during king tides in South Florida, more than 350 residents recently gathered for a screening of a National Geographic documentary on climate change.
The Miami-based episode of season two of NatGeo's series "Years of Living Dangerously" was screened before a full house at Little Havana's Tower Theater on Oct. 27. The episode, starring actor/musician Jack Black as a correspondent exploring the local sentiment on sea level rise, focuses on the region's vulnerability amid global warming and sea-level rise.
Delaney Reynolds participates in our ocean's one future leadership summit
By: Community News
Delaney Reynolds headed off to Washington D.C. in mid-September for John Kerry and the State Department's Our Ocean's One Future Leadership Summit. She's attending as part of Phillipe Cousteau's EarthEcho organization for which she was selected earlier this year as one of his 12 global Young Leaders.
EarthEcho's Youth Leadership Council is comprised of young environmental leaders from across the country, ages 15-22. Delaney Reynolds, a senior at Miami's Palmer Trinity School, is well known for having founded The Sink or Swim Project and its WWW.miamisearise.com as well as her highly regarded Tedx Talk on global warming and sea level rise.
Red carpet premiere of 'Gathering Storm' fills the house at Tower Theater, Oct. 27
By: Bill Kress, Community Newspapers
The Sink or Swim Project (www.miamisearise.com) and The CLEO Institute (www.cleoinstitute.org) are hosting a World Premiere of the Years of Living Dangerously episode, entitled Gathering Storm, Oct. 27 at Miami's Tower Theater. The film features Jack Black, Ian Somerhalder, and Nikki Reed from Season 2 of the acclaimed National Geographic series. The event sold out quickly, however, streaming video coverage of the red-carpet reception and key interviews with program personalities is being provided live on Facebook directly from the event venue.
National Award Inspires America's Youth To Make A Difference
By: PRNewswire for YAHOO! News
Every person, regardless of age, can help to make the world a better place. The Gloria Barron Prize for Young Heroes names this year's winners as it continues to celebrate inspiring, public-spirited young people from diverse backgrounds all across North America. Established in 2001 by author T.A. Barron, the Barron Prize annually honors 25 outstanding young leaders ages 8 to 18 who have made a significant positive impact on people, their communities, and the environment. The top fifteen winners each receive $5,000 to support their service work or higher education.
"Nothing is more inspiring than stories about heroic people who have truly made a difference to the world," says Barron. "The goal of the Barron Prize is to shine the spotlight on these amazing young people so that their example will encourage others to take action."
The Missing Link: How Youth Are the Hope for Our Oceans
By: Philippe Cousteau
Ocean acidification. Plastic pollution. Overfishing. Sea level rise. When it comes to the challenges facing our ocean, it's easy to become overwhelmed. As a frequent witness to these issues, I, too, am often distraught over this dire state of affairs; reminded that we are in desperate need of problem solvers and innovators who aren't afraid to take bold action, and who aren't encumbered by political or financial agendas. The good news for all of us is that these environmental and ocean champions exist in growing numbers. They are committed, focused, formidable, and many of them haven't even graduated from high school. The bad news is that we as an ocean conservation community largely continue to ignore this powerful constituency.


text: Share: Comments Print May 10, 2006 at 3:37 PM Fierce 15 Winners Posted by Tricia Duryee FierceWireless, an online publication, announced its Fierce 15 emerging companies in the wireless industry for 2006. As Fierce says, it's an exciting time to be in the industry — subscribers continue to sign up for wireless services, operator have healthy financial statements and competition is robust. But none of this excitement is coming out of the Northwest. The winners include: Apertio of Bristol, U.K., Beceem of New Delhi, India, ClairMail of Novato, Calif., Digital Chocolate of San Mateo, Calif., go2 of Irvine, Calif., Helio of Westwood, Calif., IPWireless of San Bruno, Calif., mBlox of Sunnyvale, Calif., MobiTV of Emergyville, Calif., mPortal of Vienna, Vir., RedKnee of Toronto, Ruckus of Mountain View, Calif., SkyPilot of Santa Clara, Calif. and SlingMedia of San Mateo, Calif. The companies mentioned fall into several categories spanning from WiMax equipment to portal services for wireless carriers to back-end billing infrastructure and social networking. If at least one Seattle startup should have made the list, what do you think it should have been? Comments | More in Wireless & telecom


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Hedges Family.
Meet the Hedges fam! I meet Todd first at PCC and then his wife, Amy, who helps run the Perfect Fit program for children with special needs at PCC. I had a delightful time taking their family pictures this year and meeting their sweet kiddos!
Todd, Amy, Olivia, and Elijah make up the Hedges family. Todd and Amy met in a life group at PCC called Jars of Clay. Their favorite family trip was a vacation to Myrtle Beach. They describe their family as "whackado" with crazy schedules and busy kids. They loves being able to watch movies and go anywhere together, especially baseball games! Red Robin is one of their favorite restaurants to go to.
In the last five years or more, they have faced some challenges and changes in their extended family but they have grown through it. The Hedges value integrity, flexibility, and being respectful. Todd and Amy pray that their children will follow Christ their whole lives, work hard, and stand up for what is right. They live by the phrase, "Never be afraid to fail."


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Sanyo NVM-4030 Easy Street Portable GPS Navigation SystemSanyo Updated: 2007-09-15
Introducing Easy Street™, the new 4-inch touch-screen portable GPS navigation system from SANYO. Portable Navigation made easy. The entire continental US map is pre-loaded on SD memory so there's no subscription or download required. And, with Bluetooth-enabled phones you can enjoy simple hands-free mobile calls and one-touch dialing. Conveniently compact and lightweight, the Easy Street MVN-4030 has up to 3.5 hours of battery life, and comes complete with charging and mounting accessories so you can take it just about anywhere. All this with a price that's surprisingly easy on the wallet.
Easy Navigation: Sanyo's Easy Street Navigation uses Wide Area Augmentation System (WAAS) technology to help you get to your desired destination with reliability and ease. WAAS is comprised of satellites and ground stations that provide corrections to GPS signals - offering greater accuracy compared to conventional GPS solutions.
The Easy Street Navigation System also allows you to choose from several different map angles for easy viewing. In addition, the turn-by-turn voice-guidance feature will gently direct you to your destination.
Bluetooth: Sanyo's Easy Street Navigation System incorporates Bluetooth technology allowing convenient, wireless, hands-free connectivity with Bluetooth enabled cell phones. Simply speak to dial (pre-programming numbers required) and use the Easy Street Navigation unit as your hands-free cell phone speaker system. Now you can use both hands to drive instead of fumbling for your cell phone or arranging traditional hands-free earpieces.
Contact Management Database: Easy Street includes a contact management database for convenient access to business and personal contact information. Up to 500 contacts can be loaded intothe unit for easy access while traveling.
MP3 Player: For music enthusiasts on-the-go, Easy Street plays MP3, WMA (non-protected) and WAV music files stored on SD flash cards. The music player screen displaays MP3 ID3 tag information including album name, artist name and song title information. It also provides a convenient interface to fully control the song playback (Play, Pause, Stop, Next, Previous, Random Play, Repeat). Song files can be easily transferred to and from your computer to a SD card.
There are no manuals currently available for this model.
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I think most of us got the hint that this was coming around the time that NCSoft stopped listing Guild Wars on their quarterly financial releases. With the rousing success of Guild Wars 2 and the ever advancing age of Guild Wars, Arenanet has posted today to reveal that their ongoing updates to Guild Wars have had a secondary purpose: To teach the game to run itself. With Arenanet's views moving elsewhere, Guild Wars is being updated to run on automation, or maintenance mode as many of you know it. The game will no longer be updated, except to better service the automation.
So what does this mean for players? Foremost, handing out trims at tournaments and the map rotation of the tournaments themselves will be completely automated. Weekend events will be extended to full week events and run on automated rotations as well. Basically everything that used to require the hand of Arenanet to start will be fully automated. The goal is to get Guild Wars to a point where it can operate mostly by itself, allowing the game to run in maintenance mode for "years to come."
(Source: Guild Wars)


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I've opened and closed my dashboard so many times this past couple of weeks. It's been a mixture of lack of time and just not having enough inspiration to write a post.
I'd planned to write a post on Tuesday evening, but, after hearing about the attack on Manchester, I couldn't bring myself to do it. I couldn't bring myself to write about my favourite books with something so horrible happening so close, in a place that means so much to me.
And, as well as all that, I just haven't been into blogging lately. I haven't been excited about any content ideas, and I haven't really wanted to be online. Up until this morning, I seriously considered taking a month off so I could get myself back into the swing of things. But then I saw Pauline's Tweet about how happy she was to be ahead with her blog, and it just made me want to be back on here, writing again. So thanks Pauline, for being inspirational as always.
So here I am, and here's a rambly, unorganised, unplanned Life Catch-Up.
May feels like it's gone by in a flash. It started with a huge budget plan, because I had to sort out Andy's birthday things, while trying to save money for Scotland. I managed to budget the birthday, but, a few days later, we both went into the "fuck it" mentality and dipped into our savings to book another holiday. Oh well, I might be a failure at saving this month, but at least I get to do all the things in London in September. I can't wait!
Andy's birthday was great by the way. I took him out for a meal at Gigi's (our fave Italian restaurant) and we gorged on more starters than any person should ever eat in one sitting. Then, the day after, we went out for cake and a carvery with his parents. I also bought him this fabulous cake, which you might have seen on Instagram:
You've probably already guessed, but the diet has not gone well this month. Let's not talk about it. The scales are being actively avoided until I can remember what vegetables taste like.
The rest of the month has involved sorting out my parents' house. When I moved out two years ago, I left the majority of my things there, because we were moving into the tiniest flat in the world and I didn't want Andy to have to shuffle between masses of bookcases. So, for the sanity of my parents and to assist my bank account, I've been sticking a lot of stuff on Ebay and sending some to the charity shop. Thanks to past Amy buying large amounts of utter shit, I'm still nowhere near done, but I've made a good start. Hopefully I'll be fully "moved out" by the end of the year!
Tomorrow, I start work at a new office. I still have the same job, but they've moved us to a different building, so it'll probably feel like starting all over again. I'm already stressing about finding the building and, most importantly, the kitchen. Tea is important, guys. Never forget it!
Things I Learned In May
- How to hide from the bathroom scales.
- T-Shirt dresses are the most wonderful thing invented ever.
- I'm rubbish at bowling. Unless the ball is supposed to go in the gutter every other turn.
- Why resizing images is important.
Like, WTF is this?!
Music of May
Stormzy – Big For Your Boots
Luis Fonsi, Daddy Yankee – Despacito Ft. Justin Bieber
Kate Nash – Agenda
Jason Webley – Dance While the Sky Crashes Down
Reviewing my May Goals
I'll be honest, I forgot about most of these. Oops.
1. Write something every day.
2. Sort out the drawers next to my bed
Somehow YES!
3. Re-plot my novel
Sadly not.
4. Complete Pokemon Moon
I moved my 3DS next to my bed. Does that count?
Goals for June
I'm only making one goal for June, because it's a big one…
Organise Mamyology
This is something I've been putting off for ages, but after seeing how atrocious my images look, I decided it was time. So in June I'll be having dedicated "blog tidy" days. Bring it on!
May in Figures
Weight lost: I've intentionally lost my scales. Ask again later.
Books read: 2
Exercise done: Bowling very badly.
Blogs posted: 3
Money saved: £304 but I've "borrowed" some so technically it's being saved by a hotel in London.
How was your month?


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Cyberlibertarians' Digital Deletion of the Left. Technological innovation does not inherently promote the Left's goals.
Fidelis / Flickr The digital revolution, we are told everywhere today, produces democracy. It gives "power to the people" and dethrones authoritarians; it levels the playing field for distribution of information critical to political engagement; it destabilizes hierarchies, decentralizes what had been centralized, democratizes what was the domain of elites.
Code your own utopia: Meet Ethereum, Bitcoin's most ambitious successor. The IRS issued a telling statement of metaphysics in March.
A few weeks before tax day, it ruled that bitcoin, the first and best-known Internet-based cryptocurrency, is not to be considered a currency at all but an investment, subject to capital-gains tax. While this is a rather clumsy adaptation of antiquated regulations to a field they were never designed to encompass, there is also a basic truth in it. The IRS decision hints at why cryptocurrencies are about to get a whole lot more disruptive as well as a great deal harder to ignore: They can be used for much more than just payments. Bitcoin appeared in early 2009 as a new kind of money that, thanks to sophisticated mathematics, guarantees the security of transactions within a decentralized, peer-to-peer network. Just a few months into a catastrophic financial crisis, the pseudonymous inventor, Satoshi Nakamoto, presented bitcoin as an insurgency against the mismanaged big banks and state monetary regimes. The Economics of Star Trek — Medium, Long.
I promise this is about Star Trek.
Sort of. Bear with me a moment. I've been reading a lot about robots lately. When I read about robots, and the future, I can't help but think about it in economic terms. And that inevitably turns my mind to the branch of economics called post scarcity economics. The thing that never sits quite right with post scarcity economics, though, at least the very little that I've read, is that it's always sort of an all or nothing affair: you either don't have enough of anything or you have enough of everything.
What is needed is some sort of interim-, or proto-post scarcity economics. More and more I find myself thinking we are, as a race, constrained by the economic models we have. The key here, to me, is to start thinking about how economics would work when we decouple labor from reward. So, then, take that journey. Yes yes, of course. Parecon does have some awesome concepts, though, by the way. Then I got to thinking. It's called Star Trek. Stay with me here. Introduction to Principia Cybernetica. Cubistro. Cultural Fragmentation, Globalization and International Morality The arrival of the millennium has brought the world new dramas of international conflict.
As the world becomes smaller and we all bump into each other more frequently in the process called globalization, we begin to feel our differences with greater force. PopCulture. Creation of Direct Democracy in Switzerland « Activating Democracy. The people are no longer willing to be governed from above; they demand their share in the making of laws and the exercise of power (…) they demand that self-government finally means what it says, wrote Florian Gengel, editor of the Berne newspaper "Der Bund," in August 1862.
In Switzerland, the liberal movement succeeded in achieving what it failed to achieve elsewhere: the creation of a nation-state and modern democracy. The half-century between 1798 and 1848 – full of conflict and occasionally descending into chaos – can be seen as a period of foundation. Pirate Party. Pirate parties logo History[edit] Parties in other countries, such as the Pirate Party of Austria (founded in July 2006) and the Pirate Party Germany (September 2006), were inspired by the Swedish example. In October 2006, Pirate Parties International was founded as an umbrella organization. Peaceful Societies. Hikikomori. Complementarity & Reality. Articles Alistair MacFarlane has complementary ways of looking at things.
In Boswell's biography we are told how Dr Johnson, a naïve Realist, sought to refute the Idealist Bishop Berkeley's claim that everything exists in the mind. He did so by kicking a stone, exclaiming: "I refute it thus!" But there are more enlightened things to do with stones than kick them. Neo-Luddism. A novel written by Edward Abbey which concerns the use of sabotage to protest environmentally damaging activities in the American Southwest.
Neo-Luddism or New Luddism is a philosophy opposing many forms of modern technology.[1] According to a manifesto drawn up by the Second Luddite Congress (April 1996; Barnesville, Ohio) Neo-Luddism is "a leaderless movement of passive resistance to consumerism and the increasingly bizarre and frightening technologies of the Computer Age. " [2] The name is based on the historical legacy of the British Luddites, who were active between 1811 and 1816.[1] These groups along with some modern Neo-Luddites are characterized by the practice of destroying or abandoning the use of technological equipment as well as advocating simple living. Neo-Luddism stems from the concept that technology has a negative impact on individuals, their communities and the environment.[3] Neo-Luddites also fear the future unknown effects that new technologies might unleash.


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Why add this Ancient Silver Drachm from the Lycian League to your collection?
The Lycians were an ambitious culture, with great aspirations for freedom, democracy and independence. While Greek City-States were relentlessly at war with each other, the members of the Lycian League enjoyed a sustained period of political stability and peace. The history of Lycia, especially with regard to its development of unity among city-states, had an influential impact on modern democratic governments. The Lycian League, comprised of twenty-three independent City-States, was the first democratic union in history.
Imagery honoring Apollo, the Greek God of Music and Knowledge
The right facing laureate portrait of Apollo is depicted on the obverse of this Silver Drachm struck 2nd to 1st Centuries BC for the cities of the Lycian League. The reverse features a Cithara framed by an incuse square, accompanied by an inscription which translates to the appropriate city name. Symbolic of Apollo, its legendary creator, the cithara is an ancient stringed musical instrument.
Gorgeous About Uncirculated Silver Drachm
NGC Ancients, the Numismatic Guaranty Corporation's (NGC) ancient coin division, has graded this Lycian City of Olympus Silver Drachm About Uncirculated, which is comparable to a Sheldon Scale value of 50-53. This remarkable coin was also awarded a star (*), in reference to the coin's extraordinary eye appeal due to an exceptional aspect of the strike quality, surface condition or design style.
Don't delay, this impressively graded Silver Drachm struck by history's first democratic union belongs in your collection! Purchase the magnificent historic artifact from MCM today!
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EZYDog Handy Leash
EZYDog Handy Leash
from 21.99
The EzyDog Handy Leash fits around the hand and has been designed as an accessory with a large carabiner attachment point, meaning that you can add it to any existing leash or combine with an extension to make a full size hands-free leash. Fully adjustable, the glove section opens out to fit any size hand.
Perfect when running or jogging with your dog.
Soft Touch and Packed with Features
The hand section is made from soft neoprene (as used in wetsuits) and like any good running accessory is reflective for night time safety. The heavy duty carabiner is large enough to fit any existing leash and is load tested to 500kg for extra peace of mind. We finish the dog leash with handle with an accessory D-ring - as we know you don't want your pockets full when out on a run!
- Worn around the hand and fits any hand size
- Made from EzyDog Soft Touch™ Webbing and a neoprene lined handle
- D-Ring and Barrel lock for accessory attachment
Add To Cart


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Gini Coefficients and the Economics of Credit Scoring
On a global scale, billions of dollars in debt are granted every year using decisions derived from credit scoring systems. Financial institutions critically depend on these quantitative decision to enable accurate risk assessments for their lending business. In this sense, as with any tool that serves a business purpose, the application of credit scoring is not ultimately measured by its statistical properties, but by its impact in business results: how much can Credit Scoring help to increase the benefit and/or to decrease the cost of the lending business.
Assessing Credit Scoring from a business perspective could sound pretty obvious. However, given the typical compartmentalization of roles that could exist at lending institutions, where Risk and Modeling teams can be completely separated from Commercial departments, it could be easy sometimes to focus too much on the statistical aspects of credit scoring such as Ginis, and forget the ultimate business nature of its purpose. Although there is a clear positive relationship between economic benefits and predictive power, there are also certain elements that can affect the balance between costs and benefits. In this post, we discuss some of these elements and explain their role in the cost-benefit analysis of credit scoring.
The benefits of credit scoring
The benefit of credit scoring derives from its ability to accurately identify good customers, and discriminate them from bad customers. The more good customers a model can identify, the greater the interest income that can be generated from a credit portfolio. And the more bad customers it can discriminate, the lower the losses for the credit portfolio. In this sense, the economic benefit of credit scoring can be amplified by two things: the volume of customers, and the size of the credit disbursed to these customers.
Take for example the portfolio of microfinance institution "A" with several thousands of customers but very small loan amounts, and compare it against a smaller microfinance institution "B" providing loans of the same size to a portfolio of just a few hundred customers. Both institutions can see a similar increase of 1% in the predictive power of their credit scoring models, however, the increase in economic benefit yielded from this increase in predictive power will be different just because of the different sizes of portfolio volumes. Everything else being equal, the higher the volume of the portfolio, the higher the potential economic benefit of credit scoring.
The same can be argued for the size of credit disbursed to the customers of a portfolio. For example, take an SME lending institution with just a few thousands of customers but with relatively high credit amounts in the hundreds of thousands of dollars. An increase of 1% in predictive power could bring just a handful of new good clients into the portfolio, or avoid the disbursement of a handful of very bad loans. However a change in just a handful of good or bad clients can be enough to generate a considerable increase of economic benefit in the portfolio given the large size of the loans.
The costs of credit scoring
The costs of Credit Scoring can be split in two parts. First, the cost of developing a new model, and secondly, the cost of implementing and maintaining credit scoring models.
If we assume lending institutions are at a stage of technological maturity in which all the necessary data to create a credit scoring model exists and is continuously updated with certain level of quality and integrity, then the first type of cost just depends on the complexity of the modeling process. The whole process of building a model includes data extraction and cleaning, feature engineering, feature selection and the selection of a classification algorithm.
Depending on the lending institution, this process can be handled by a single data scientist (e.g. think of the CRO of a small Fintech startup), or it can be handled by a large department including many different teams with different roles such as data engineers, data scientists and software engineers (e.g. think of a large multinational bank). At the same time, the teams in charge of the model building process can be comprised of junior analysts fresh out of college using well-known standard techniques or include teams of PhDs in computer science doing advanced machine learning. At the end, the cost involved in developing the credit scoring models will depend on how much complexity and sophistication can be afforded and/or needs to be put into the process.
Once the model has been built, it also needs to be implemented and monitored over time. The costs involved are not trivial. Again, they will depend on the stage of technological maturity of the financial institution and the complexity and sophistication required. For example, in some cases the implementation of a credit scoring model can be as simple as creating an Excel calculator loaded with the coefficients of a logistic regressions where some values are manually inputted by a Loan Officer to get a score (e.g. think of a small MFI in the rural area of a developing country). Or it can be as complex as a Python package in a cloud-hosted decision engine integrated in the online platform of a large bank. The handling of big data, software development and testing, as well as the security and legal aspects involved in the deployment of a credit scoring system can considerably increase its costs. And all this, without even considering if the teams that will monitor the performance of the models implemented on a defined frequency basis are dedicated full time, or they are just the same team that also did the modeling and/or deployment.
Bottom-line: The statistical classification accuracy measured by Gini coefficients are indicative of some part of the benefits of using credit scores, but they are not the most important nor the final metric when assessing the cost-benefit of credit scoring. The reason is because the benefits of credit scoring can be influenced by the volumes of customers and the size of the credit. And the costs of credit scoring ultimately depends on the stage of technological maturity of the lending institution, as well as how much complexity and sophistication can be afforded and need to be put in the development, deployment and monitoring of credit scoring models.
So next time you need to make a decision about using Credit Scores to boost your lending business, ask how much they can help to increase the benefits of the business, and how much they can help to decrease its cost. The final decision will depend on a lot more than just Ginis.
At LenddoEFL, we have the expertise to help you boost the benefits and reduce the costs of credit scoring using traditional and alternative data. Contact us for more information here: https://include1billion.com/contact/.


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Bridget St. John visits the UK in September 2018 for a short tour. The tour begins with an appearance at Moseley folk festival, Birmingham, on September 2nd. Bridget then visits some of the U.K.'s intimate acoustic venues, including The John Peel Centre, Stowmarket, before concluding the tour with two shows in Ireland.
(The late John Peel helped to launch Bridget's musical career and her first three albums were released on his Dandelion label in the late 1960s. Bridget and John's widow, Sheila Ravenscroft, have been friends since 1969 ). During the 70's Bridget released a series of albums and played concerts with the likes of Nick Drake, Kevin Ayers, John Martyn and Michael Chapman before moving to America.
Accompanying Bridget for the first half of the tour will be cellist Sarah Smout. They met for the first time when they were recording with Michael Chapman and BJ Cole in Wales earlier this year.
The two women immediately became friends and discovered a mutual appreciation for each other's music and decided they would have to play together.
See www.bridgetstjohn.co.uk for tour dates and tickets. September- 2nd Birmingham, 3rd- Exeter, 5th- Stowmarket, 6th- Sheffield, 8th- Durham, 9th- Oxford, 10th- Brighton, 11th- London, 13th- Beverley, 16th- Hebden Bridge, 19th- Preston, 20th- Bury, 22nd- Belfast, 23rd- Dublin. (See list below for venues etc)


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M. Umar Abdur-Rahman (Of counsel)
Umar Abdur-Rahman has been working at Hogan & Vandenberg LLC since April of 2007. He became an Associate at the firm in June of 2009. He is a member in good standing of the District of Columbia Bar. Umar focuses his practice exclusively on immigration law.
Umar completed his undergraduate studies at Lehigh University in International Relations (Middle Eastern Studies concentration) and Economics in 1999. During his studies, he spent a semester at the American University in Cairo studying Arabic, Islamic Law, and Arab History.
After graduating from Lehigh University, Umar spent a year in Sana'a, Yemen as a Fulbright Scholar studying Arabic and researching and writing on "The Impact of Marxism on Islamic Thought."
Upon return from Yemen, Umar attended Temple University's James E. Beasley School of Law from 2000 to 2003. While in law school, Umar specialized in Immigration Law, International Human Rights Law, and Civil Rights Law. During his final year of law school, Umar participated in Temple's Immigration Clinical taught by Immigration Attorney Joseph Hohenstein, Esq. As part of the clinical, Umar successfully represented an Iraqi man in an asylum case in Philadelphia Immigration Court.
During his final semester of law school, Umar wrote an article under the supervision of Professor Henry J. Richardson, III of Temple University's School of Law and Professor Mahmoud Ayoub of Temple's Religion Department on the intersection of Islamic Law and International Law. At graduation, Umar received an award for his contribution to critical thinking in the field of International Human Rights Law.
After graduation from law school, Umar spent the next couple years working in the nonprofit world and subsequently spent a year teaching English Literature at a private school in Philadelphia, PA.
While at Hogan & Vandenberg LLC Umar has worked on numerous cases ranging from asylum and relief under the Convention Against Torture to family petitions and student visas.
Umar is a Co-Founder and Board Member of the American Muslim Association of Lansdale (AMAL), a Greater Philadelphia based social service organization.
He is also a member in good standing of the American Bar Association, the Delaware Valley Muslim Bar Association and the American Immigration Lawyers Association (AILA).
Bar Admissions
- District of Columbia, 2009
- Temple University School of Law, Philadelphia, Pennsylvania
- Lehigh University, Bethlehem, Pennsylvania
- Major: International Relations and Economics
- American University
- Major: Cairo Studying Arabic
- Major: Islamic Law and Arab History
Published Works
- "The Impact of Marxism on Islamic Thought"
- Intersection of Islamic Law and International Law, (Co-Author with Professor Henry J. Richardson, III)
Honors and Awards
- Award for his Contribution to Critical Thinking in the Field of International Human Rights Law
Professional Associations and Memberships
- American Muslim Association of Lansdale (AMAL), Co-Founder and Board Member
- American Bar Association, Member
- Delaware Valley Muslim Bar Association, Member
- American Immigration Lawyers Association (AILA), Member
- Urdu
- Punjabi
- Arabic


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By Poly
This is an excerpt from this weekend's premium update from the The Financial Tap, which is dedicated to helping people learn to grow into successful investors by providing cycle research on multiple markets delivered twice weekly. Now offering monthly & quarterly subscriptions with 30 day refund. Promo code ZEN saves 10%.
|Probable Outlook
|Cycle Clarity
|Day 19
|Range 36-42 Days – 1st or 6th Daily Cycle (depends on IC)
|Week 4 or 42
|Range 20-24 Weeks
|Month 74
|Range 50-56 Months- 8th Investor Cycle.
I think it's safe to say that the current 4 month trading range presages a big move – but the trick is to determine the direction. It is either a complex final topping pattern or a significant consolidation before another massive up-leg in the great bull market. There is ample support for both scenarios, and I'm continually weighing charts, data, and facts from many sources in an effort to glean insight. Whether sentiment, breadth, or technical data, there are numerous data points that support each outlook. The challenge is to view them without filters, to keep my personal bias at bay.
I'm a Cycle analyst first, and my brand of technical work favors the scenario that suggests that the market is currently consolidating before its next move higher. This is not my personal bias, however. It's a technical observation of an outcome that has a higher probability of occurring than the alternative. It's based on recent market history, and is built on an understanding that technical indicators offer an edge but not a certainty. Cycles are backward-looking to an extent, and I extrapolate future performance from the character and performance of the Cycles that came before.
In this case, no one can deny the Cycle performance (and gains) of the past 3 years, and this three year period is the foundation of my forward Cycle expectations. At some point, and likely soon, the pattern will change and a new series of down-trending Cycles will develop. It can be credibly argued that that the current trading range is the start of such a change in trend, but it is dangerous to bet against the dominant trend. The dominant trend is always paramount, regardless of other observations, and in this case it is up. The typical Cycle duration for a bull market advance has passed, so we need to be mindful that a top is due. But the tail-end of a bull market is often its most powerful part, and with a dominant uptrend in place, has to be seen as the most likely outcome.
The S&P recovered nicely from its recent 7 day plunge, and is again in a position to attempt to break to a new all-time high. The Cycle count is very favorable and sentiment is subdued; an upside move from here would take many by surprise and could develop into a substantial rally. If the bullish case is to hold, 2,063 should not be lost on the downside. If it is, the breach would likely signal a coming breakdown. It's also important to note that any new rally would be the 5th attempt to break through what has developed into fairly stiff resistance.
No matter how we look at the current Investor Cycle, the Jun 29th drop below the lower Bollinger Band led to an ICL. So the most probable outlook for the current Investor Cycle is to make a new high, and by a significant amount.
And if this is a market top in process, I still expect a false breakout to a new high which then fails into a Left Translated Investor Cycle. Unless and until 2,044 is breached to the downside, I continue to favor the upside scenario.
On last thing to note: a significant tightening of the Bollinger Bands has developed, suggesting that a big move is again imminent.
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Proper Cloth has just presented their newest Fall/Winter 2014 collection in collaboration with Esquire magazine at New York Fashion Week. As this was their first fashion week presentation we dared to look what was happening behind the scenes. The masculine and easy-wearing collection gave up a relaxed vibe both on and off the runway. We couldn't overlook the soft corduroy field shirts and some beautiful 100% cashmere sweaters. Although the looks are somewhat casual they're also tactile, textured and very interesting when layered. The collection will be available for purchase shortly, until then we satisfy your curiosity with some backstage looks.
The card offers and other products that appear on this site are from companies from which we may receive compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). For an explanation of our, view our Advertising Policy.
Editorial Disclaimer: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities. Additional Disclosure: This site has affiliate links. We may be compensated when users make a purchase or register to a third party website. For more details read our privacy policy.


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There is something quite magical about photographing artists in their element, doing what they love. Documenting their process, seeing their tools, getting a glimpse into the creative forces that drive them - is it mesmerizing and inspiring all at once. My experience with Bailey - a mosaic artist who works at her in-home studio - was no exception. Here are a few of my favorite images from my visit with this talented woman.
Mosaic // Minneapolis Artist Photography
in Hired Work


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Yes, you read that correctly....I backed up right into their car! Ugh.....thus is my life of limited brain cells after kids....LBCAK..it's a thing. Anyway, we had a great time staying up late, skiing and assessing my ever lame wardrobe these days.....that part was sad.
Anyway, here they are and I couldn't be happier to have had a night with this sweet family.


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Worick and Nic style themselves as "Handymen", assassins who take on jobs for both the police and the Mafia. After killing a local pimp, they take in a prostitute named Alex, who is recovering from psychological damage from her oppressor. The three are caught in a war between Mafia groups, as well as the super-human Twilights and those who believe in exterminating them.
Go find us on social media! We want to hear from you! Follow the official account on Twitter (@sequencepod).
You can also find us on; Vince (@vincekenny), Kym (@kymcattys) and Ben (@benstonick).
Or! Drop us an email address with email@example.com
You can listen to Transformation sequence on Stitcher, too! http://www.stitcher.com/podcast/transformation-sequence


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As one of the industry's leading print management companies, we take pride in every detail of the process. We match your project with the appropriate print equipment to ensure the highest quality. And, because we provide multiple estimates and receive discounts from our sources, you can be sure you'll always get the best price. From press check to delivery, we have you covered.Innovative solutions for:
- Commercial and Digital Printing
- brochures
- catalogs
- postcards
- rack cards
- booklets
- folders
- posters
- sell sheets
- training manuals
- newsletters
- gift cards/ plastic ID cards
- business cards
- letterhead
- envelopes
- note pads
- presentation folders
- coin cards with clear packets
- die cut portfolios
- game boards
- large format graphics
- manuals
- textbooks/facilitator guides
- direct mailers
- pencil/marker boxes
- Forms
- laser forms
- checks
- secure documents
- continuous forms
- snap apart/fan apart forms
- Labels
- direct and thermal transfer labels
- thermal transfer ribbons
- laser labels
- tags and labels for RFID solutions
- adhesive labels
"Thanks for all you do and how quickly you and your vendors turn things around."
Tom Garrison
City of Eagan


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Category: Entry-Level
How 1st Time Job-Seekers Can Build Networking & Mentor Relationships
Every new generation entering the professional world gets accused of lacking humility, poor work ethics, a know-it-all attitude, along withRead Article
The Professional Values that Underlie All Success
The professional values that underlie all success are a set of core beliefs that enable professionals to determine the right judgmentRead Article
How to Write a DIY LinkedIn Profile
By far the most important networking site for professionals is LinkedIn. Use it correctly and it could well help you land your nextRead Article
Your First Job is a Foundation for Future Success
If you want to succeed at your first job, don't try to change the world before you learn your wayRead Article
What Should Women Wear to a Job Interview?
The rules for what women can wear to a job interview have become more relaxed, but there are still rules. YourRead Article
30 Ways to Offend an Interviewer
When it comes to job search, not everyone is a natural at the interviewing part for a job. Even withRead Article
Tough interview question: "What is your greatest weakness?"
"What is your greatest weakness?" is one of the toughest and most common of all interview questions, and often comesRead Article
How to work a career fair
Check out my first blog for Monster.com Career Start. Are you an entry-level professional considering using career fairs for networking?Read Article
Help! I Love My Job But Hate My Boss!
We've all worked for a jerk at one time or another. No one likes it but reality is, many companiesRead Article
Should you lie on your resume?
My wife says a half-truth is a whole lie. She's a great mom and raised her kids with that moralRead Article
Should the Dog Days of Summer Stall Your Job Search?
Who doesn't love the Dog Days of Summer? We still carry the same workload here at Knock Em Dead, butRead Article
What Matters Most to a Prospective Employer?
Companies have very limited interests: making money, saving money (the same as making money), and saving time (which also makesRead Article
How Recent Grads Can Stand Out and Get Ahead
When you're a recent grad and new to the world of work, all you want to do is get noticedRead Article
How to Write a Professional Resume with Little or No Work Experience
Resume writing can be a challenge for anyone, especially when you're just out of school and have no professional experienceRead Article
College Seniors: Don't Stay Too Long at the Party
A while ago, a 30-something began hanging out with our twenty-somethings. To them, he was cool and worldy-wise. This wasRead Article


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The best dehumidifier in Dubai
Dehumidifiers play a significant function in doing the needful. Dehumidifiers The dehumidifier is presently becoming increasingly more essential. It is one equipment that can solve the issue. An industrial dehumidifier is necessary for the decrease of moisture amounts in the air. There are special dehumidifiers, which can get rid of a huge quantity of moisture from such locations.
Well locating an appropriate air purifier can be somewhat confusing and time consuming undertaking. A humidifier isn't just for usage at night while you're sleeping. There are more than a few reasons that people buy a humidifier.
Dehumidifiers are the best method to control room humidity but if you don't dwell in a hot or tropical climate probably aren't needed. You might also should make sure that you obtain a dehumidifier that has an adjustable fan so that you can slow it down should you figure out how to find rid of the majority of the humidity in the air. A dehumidifier may be a vital bit of home equipment. It can be an essential piece of equipment in your home. By sucking extra moisture from the air, a superior dehumidifier can decrease the odds of mold or fungus growing in your house. You have to make sure that you decide on the appropriate dehumidifier for you, based on the amount of damp your basement has. A slim" dehumidifier with a shallow depth will be less difficult to accommodate and won't project thus far into the automobile.
There are two methods to measure humidity. Absolute humidity denotes the maximum quantity of water air can hold at a certain temperature. A scarcity of air moisture (low humidity) or an excessive amount of moisture is accountable for causing discomfort and assorted health difficulties.
If you want to test out a unit before purchasing it then it might be a great idea to try out an industrial dehumidifier rental at first. If you want to keep the unit in 1 place, a bigger bulky one would be okay. For use in a more compact space, a superior unit are available for less than $100. In addition, the unit will inform you when the tank is nearly full and it's time to empty (with a Led indicator). Also, it's required in their packaging units to be sure that there's no moisture in their product after packaging.
The advantages of having continuous run is in case you have a drain nearby, you can leave it running for a couple of days while the home is unoccupied, as in case of a flood. There are several advantages to going for relaxing sauna but always going for one just usually means that you want to schedule, you have to constantly spend money on it as well. Some folks would spend as much money simply to go the spa and have a sauna. If you are inclined to devote somewhat more cash on a slightly smaller and lighter model with an automated humidity controller, the FAD301NUD might be the one for you.


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NFFN Monthly Meeting at Skip's house
Tuesday, October 8th at 7:00pm at home of Skip Flatt
NFFN monthly board meetings are held the 2nd Tuesday of every month. All NFFN members are welcome.
The meeting will be held at the home of Skip Flatt located at:
2431 Bluffton Dr
Jacksonville, FL 32224


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A swap meet is relatively easy to do and can be as minimalistic or elaborate as you decide. Begin by sending out a newsletter. Every household can list what they have to swap and include pictures. Barter for trade - this works well if the family is close-by and shipping costs aren't necessary or incurred.Read More »
Home / Tag Archives: upcycle
Tag Archives: upcycle
Earth Day is April 22 | Earth Day | Family Earth Friendly Ideas
The first Earth Day was April 22, 1970. The Vietnam War was raging, and it was a very tumultuous period. We all wanted to be Flower Children and save the planet.Read More »
Recycle and Think Green: Everyday Items Can be Reusable
As the world aspires to become more "green", my own household has jumped on the bandwagon. We recycle newspapers, shredded paper, plastic bottles and jugs, etc. Everything we can recycle we do recycle. Many of the items that are used in our homes every day can be recycled.Read More »


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Tuesday, July 14, 2009
Artist Dash Snow Dead of Drug Overdose
NEW YORK—The Web site Gawker reported this morning that 27-year-old artist and downtown "it" boy Dash Snow died last night of a heroin overdose, and the report has been confirmed in the New York Times by his grandmother, the collector and philanthropist Christophe de Menil.
Snow is known for his graffiti, photography, and artworks created using his own semen. He was an early artist of the now-defunct Rivington Arms gallery on New York's Lower East Side and is currently represented by Peres Projects of Berlin and Los Angeles.
In addition to being part of the near-art-world-royalty de Menil clan, Snow, who was born in 1981, is also the grandson of Robert Thurman, Christophe's ex-husband and actress Uma's father (which makes Uma his aunt).
Like what you see? Sign up for ARTINFO's weekly newsletter to get the latest on the market, emerging artists, auctions, galleries, museums, and more.
Snow eschewed these pampered scenes for a life of drugs, stealing, graffiti, and jail time, however, becoming a kind of mascot, according to a 2007 New York Magazine profile, for young art star Ryan McGinley when he was still an art student, and Snow was a 16-year-old living on the Lower East Side. McGinley has chronicled Snow for years, both by obsessively photographing him and his dark underworld and by keeping careful catalogues of Snow's work, "Because you never know what's going to happen with Dash."
Snow currently has work on view in "Abstract America: New Painting and Sculpture" at the Saatchi Gallery in London. His work has previously been shown at Deitch Projects, Gagosian, and dozens of other galleries worldwide, as well as in the 2006 Whitney Biennial, and is included in the permanent collections of the Whitney and the Brooklyn Museum. His last solo show, "God Spoiled A Perfect Asshole When He Put Teeth In Yer Mouth," was at Peres Projects in Los Angeles in 2007.
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Fine Arts Center Concert Hall
Date & Time
Oct 19, 2018
7:30 pm
7:30 pm
Contact Name
Music & Dance Department
(413) 545-2511
Friday, Oct 19 at 7:30pm, Fine Arts Center Concert Hall - $18 Students/Seniors, $25 General public - Online Ticketing
Jeffrey W. Holmes, producer/coordinator
Each year, the non-stop musical extravaganza, Multiband Pops, attracts a sell-out audience from around the region.
Including a wide range of our finest ensembles, including the UMass Wind Ensemble, Jazz Ensemble I, University Dancers, Symphony Orchestra, Percussion Ensemble, Symphony Band, Chapel Jazz Ensemble, Vocal Jazz Ensemble, UMass Marimbas, Trumpet Ensemble, Trombone Choir, Horn Choir, and Sax Quartet. The renowned UMass Minuteman Marching Band performs on the 2nd half of the concert.


text: Get ready one and all! I've finally booked my first real vacation of 2012. My close friends Veronica, Monika, Violetta and I, along with my close co-worker Kim, will embark on a Mediterranean cruise on the Norwegian Jade. We'll be leaving from Barcelona, Spain stopping in, Messina, Sicily; Dubrovnik, Croatia; Split, Croatia; Koper, Slovenia; and ending in Venice, Italy. Stay tuned for more on our impending adventure!


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Brand Discovery Template
An effective questionnaire that provides a descriptive look into your brand
The Brand Discovery Template is crucial for maximizing the long-term success of your organization.
This audit evaluates your brand image, communications, consumer perception, and competition.
It's A MUST HAVE to starting/evaluating your business to make sure you're on the right track and creating a KILLER strategy moving forward.
This questionnaire will help you cultivate a brand voice and vision.
It can be used for your own business or for your clients.
P.S. I also included a few logo design questions, as well!
Your Instructor
John D. Saunders is a Digital Marketing Strategist and Founder of an Award-Winning Digital Marketing Agency.
With 8+ years experience in building brands online and working with brands like Land Rover, Audi and the NAACP, he has utilized Website Development, Content Marketing and Social Media Strategy to create marketing campaigns that resonate with the consumer and drive consistent sales and conversions.
John's main focus is to provide VALUE to business owners and entrepreneurs through actionable marketing tactics.
By launching an online course with more than 1,900 active students and building, scaling and selling two e-commerce businesses, John hopes to continue spreading digital marketing knowledge around the world and providing stellar marketing tactics to local and national business owners.


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What We Do
Team QuadraTron is the software development team for QuadraTron Games. We are a Certified Unity Developer studio with a passionate know how for creating video games and other interactive experiences. We want to utilize our development expertise to help you realize your vision. Our services include:
- PC, Console, and Mobile Game and Simulation Development
- Virtual Reality Development with Oculus, Vive, Google Cardboard, and Other VR Platforms
- Augmented Reality Development for iOS and Android
- Steam and other platform integrations (leaderboards, achievements, etc)
- Technology and Design Consultation
Who We Are
Co-Founder, Programmer – LinkedIn
Zenas is the get-er-done and socially friendly half of Team QuadraTron. Having many years experience with mission critical projects, his attention to detail is not to be understated. He often works closely with clients to ensure that the requirements for a project fully meet their needs.
Co-Founder, Software Engineer
Christian is a problem solver and the main architect of many of the systems we develop. Working within a variety of unique development environments has provided him with the know how to create robust systems that solve the diverse problems that can arise in game development.
Our Work
Assessment Tool (Prototype)
Diagnostic Driving
Diagnostic Driving is a philadelphia-based start-up spun-out of the Children's Hospital of Philadelphia delivering validated crash-risk assessment. Using our expertise with the Unity Game Engine, we built a driving simulation prototype that is now being used as a foundation for their virtual crash-risk assessment technologies.
ITEN Booth VR Experience
Boco Digital Media
Boco Digital Media is a digital solutions company out of Philadelphia who specializes in providing creative services for application and media development. Boco was looking to wow potential clients with a VR experience at it's ITEN show booth. We were able to create that experience for them utilizing our expertise with the Unity Game Engine along side of the Oculus Rift VR system.
Super Rock Blasters!
QuadraTron Games
Super Rock Blasters! is a competitive local multiplayer game inspired by the arcade classic Asteroids and initially conceived during a 12 hour game jam. Our goal with this game was to build something that convention attendees (ourselves included) could have a blast with. We are happy to say that it's been a great hit! It is available for purchase on itch.io now and will be released on Steam in early 2017.
QuadraTron Games
Monsters! is a retro style dual stick shooter based on score chasing mechanics. It was inspired by the arcade classics Robotron 2084 and SmashTV. It was originally released on Desura in 2013 but is now available on itch.io and Steam (Early Access).
Threshold (Prototype)
QuadraTron Games
Threshold is a puzzle platforming game originally created during the Global Game Jam of 2014. Over the proceeding months we worked with artist Mila Pokorny to develop it's beautiful, Mary Blair inspired art style. A prototype version of the game was finished (but not released) later that year. The game was approved for release on Steam, however, it is currently awaiting funding for continued development.