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A secret last will and testament, a fifteen-year fight to remove a comatose woman's feeding tube, a last-minute model wife who sues for the late billionaire's estate — this is the stuff of John Grisham novels, Supreme Court cases, and Us Weekly.
For the rest of us, estate planning may be less dramatic (hopefully), but it remains an essential piece of ordering your financial world. In a nutshell, estate planning is planning for your family and finances in the event of your death or incapacity. Estate planning used to center on tax planning — using various trusts and gift transfers to minimize the 40% federal estate tax — but with the skyrocketing of the estate tax exemption in recent years, hardly anyone pays estate taxes anymore. So assuming you don't fall into the ultra high net worth category, here are the essentials of your everyday estate planning.
Who needs estate planning?
You may first be wondering whether you even need an estate plan. But — surprise! — you actually already have one. If you don't have a will (or trust) in place, the laws of your state dictate who gets your property when you die. This is typically some combination of your spouse and children (if you have them), or otherwise your parents and then your siblings.
Here are the biggest reasons not to rely on your state's default plan and instead to put in place your own estate planning documents:
If you want your property to go to people (or entities) other than those your state designates by default.
If you have minor children, so you can appoint guardians for them and ensure your assets are managed and distributed responsibly for their benefit.
To plan for complex family situations, like remarriage and blended families.
To plan for possible incapacity and appoint someone to make medical decisions on your behalf.
To plan for charitable giving.
To plan for business succession.
To avoid the time and expense of probate after your death (the public court process in which your estate is administered and your assets get distributed).
To pick your preferred executor (the person who administers your financial and legal affairs when you pass).
To plan for your digital assets, like your social media accounts and photos.
The key estate planning documents
Estate planning revolves around putting the right legal documents in place to ensure your wishes are carried out for the protection of your family. Here are the four key estate planning documents appropriate for most people.
1. Will: Specifies how your property (everything from your cash and investments to your stamp collection and pets) is distributed when you die. Your will can also accomplish a number of other things, like appointing guardians for minor children, establishing a trust for minor children or special needs family members, and appointing an executor.
2. Power of attorney: Authorizes someone (typically a family member) to engage in financial transactions on your behalf. For example, if you're in an accident and become incapacitated, your agent can access your bank account to pay your medical bills.
3. Health care proxy: Designates someone (again, typically a family member) to make medical decisions in the event you become incapacitated. You don't need a lawyer to complete a health care proxy, though you may benefit from one. Most states provide a standard health care proxy form you can use — for example, here is New York's. (Everplans maintains a database of health care proxy forms by state.)
4. Living will: Sets forth your wishes for life-sustaining treatment in the event of incapacity. Living wills commonly address whether to continue medical care in the event of a terminal illness, and whether to remove a feeding tube in the event of a persistent vegetative state. The living will is often combined with the health care proxy into a single document (sometimes called an "advance healthcare directive").
For some people, a revocable living trust may also be a good idea. This is a trust you create during your lifetime that you can change whenever and however you like. You keep your assets (bank and investment accounts, real estate) inside the trust so that when you die, they pass directly to whoever you name, instead of having to go through probate. While a living trust — and the cost and hassle of forming and maintaining it — isn't necessary for everyone, it can be worthwhile for some, especially those who are older and have substantial assets (particularly real estate) or live in states where probate is more burdensome.
When should I tackle my estate planning?
If you have minor children or are expecting, get going on your estate planning. You'll want to designate guardians for your kids in the event you and their other parent both pass. Also, you'll want to keep your assets from passing directly to your children, both so the court system doesn't need to get involved and so your children aren't getting direct control of excessive amounts when they turn 18.
If you don't yet have children but are planning to, waiting to tackle your estate planning is generally a fine approach, as your documents would need to be redone anyway once kids are in the picture. However, it's a good idea at a minimum to put in place a health care proxy (which you can do without an attorney — check out the links above).
If you're not planning on having children, it's usually prudent to go ahead and put estate planning documents in place sooner rather than later.
When in doubt, speak to an estate planning attorney — most will offer a free consultation.
Good to know facts about estate planning
Wills are not joint documents. Each individual needs one.
Retirement accounts and life insurance policies pass according to the beneficiary designation forms, not your will. Same for bank or brokerage accounts with a "transfer on death" beneficiary designation (often noted on the statement as "TOD" or sometimes "POD"). I recommend reviewing these designations annually or any time you have a major life event that might impact your beneficiary preferences.
Joint accounts will pass to the surviving joint owner (assuming the account has a right of survivorship, which most do by default). Same with real estate owned jointly with a right of survivorship.
You need to hire an estate planning attorney who practices in your state.
You should review and likely update your estate planning documents when you have a major life event, such as having a first child, moving states, divorce, or death of a spouse. Otherwise, a good estate plan should last a decade or more (though it never hurts to look over your documents every several years).
How much does estate planning cost?
This depends on your location, but in a major metropolitan area you can typically expect to pay $2,000 to $3,500 for a package of the four key documents for both spouses.
Where can I find an attorney?
It can be tricky to find a good, reasonably-priced estate planning attorney. If you have a financial planner, ask him or her — a good financial planner will shepherd you through the estate planning process anyway. Otherwise, ask friends with children or any lawyers or planners you know for recommendations. If you're in NYC, let us know and we'll recommend someone.
Also, be sure to check whether your employer offers some form of group legal benefits that include estate planning. This can be a decent, cost-effective option if your situation is not too complex, though you may not get the same comprehensive service you would from an attorney you separately engage.
Can I do it myself?
DIY online estate planning platforms like LegalZoom hit the scene about 15 years ago, providing a low-cost alternative to traditional lawyers. If you don't have minor children and don't have much in the way of assets, this could potentially work for you — but exercise caution. DIY estate planning platforms are rife with pitfalls, like users improperly executing the documents (which can render your will invalid), failing to coordinate beneficiary designations with your estate plan (so your assets don't end up where they should), and trying to distribute assets that pass outside of probate (like retirement accounts). For those who can afford it, it's almost always worth the investment to get your estate planning done right.
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Fell in love, moved back to England for three years, started blogging about my time here which includes my fairytale wedding, plenty of travel, starting a family and other little bits and bobs. Life isn't always perfect but I sure have a lust for it and I am blessed to have found an amazing best friend and husband to share the bumps with. This is my awesome adventure called life and I am loving it.
Tuesday, 21 October 2014
Monday, 20 October 2014
I just finished our outdoor planters last week & then I saw this one online today. I put one gourd in ours but this one has a gaggle of gourds. Apparently you can never have to many. I love fall and now the weather has finally turned cold it is time to pull out our hats & mitts and enjoy all fall clothing!
Saturday, 18 October 2014
Monday, 13 October 2014
Saturday, 11 October 2014
Wednesday, 1 October 2014
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subset: commoncrawl


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Em Rossi
Armed with a powerful soulful voice, Em Rossi displays an extraordinary story-telling ability. Raised in a Bay Area home filled with love, laughter, art, and music, Rossi began singing at the age of eight, receiving formal training as she deftly navigated the drama of Classical with the flair of Broadway. As she got older, Em also drew inspiration from the likes of Adele and Sara Bareilles. Words, music, and art poured forth as Em compiled an arsenal of lyrics and a war chest of melodies, raw and ready to become a reality. Em's music is stunningly compelling with a sophisticated blend that washes over modern pop as flashes of Adele, Tom Odell, and Troye Sivan marinate over chords of blues and jazz. In a short amount on time, she's achieved notable milestones but her grounded and mature mentality remains the same, "My approach is to always be genuine and to let whatever emotions I'm feeling be the driver. Music is what truly makes me happy."


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Rhubarb and Rye Streusel Muffins
Rhubarb is, I think, one of the most spectacular fruits. I am a lover of all things sour-sweet, and rhubarb definitely fits the bill. When I created my edible garden this spring, one of the first things I planted was a rhubarb plant. The next day, I panicked that it wasn't enough, so I ran out and bought two more. Now, when I look out my kitchen window, I see these gigantic, floppy elephant ear leaves waving at me from the corner of the yard. It makes me so happy.
These muffins are based on Deb Perelman's brilliant Rhubarb Streusel muffins, a recipe which, to be honest, doesn't really need a makeover because it is delicious as is. They have a bit of a dessert vibe, thanks to the crisp, sweet topping, but they're restrained enough in their sweetness that they make for a totally respectable breakfast. Over the years, though, I have tweaked Perelman's recipe here and there, simplifying the steps, adding oats to the topping, and swapping out the sour cream for yogurt, simply because I almost always have some on hand.
Lately, I have been playing around with different whole grain flours, and I thought that rhubarb would pair really nicely with the flavour of rye. Rye flour can be a little bit tricky to find; I get mine at a local grocery store called Farm Boy, which is a small chain with a couple of locations in Ontario. I am also willing to bet that bulk stores would probably also carry it. If you can't find it, or if it is not your thing, simply swap it out for whole wheat flour instead (whole wheat pastry flour would be ideal here). Feel free, also, to swap out the fruit for whatever is in season; these would be awesome with strawberries, blueberries, peaches, or plums.
These little babies are definitely at their best when they are very fresh, while the streusel topping is still nice and crunchy. That said, they are still worth eating the next day, in which case I recommend heating them up with a little butter. Really, though, what muffin isn't better with a little butter?
Rhubarb and Rye Streusel Muffins
Adapted from Deb Perelman's recipe for Rhubarb Streusel Muffins on Smitten Kitchen
Makes 12 muffin
Streusel Topping:
- 3 tbs butter, melted
- 1/4 c. rye flour
- 1/4 c. rolled oats
- 3 tbs brown sugar
- 1/4 tsp cinnamon
- pinch of nutmeg
- pinch of salt
Dry Ingredients:
- 3/4 c. all purpose flour
- 3/4 c. rye flour
- 1 1/2 tsp baking powder
- 1/4 tsp baking soda
- 1/4 tsp salt
Wet Ingredients:
- 5 tbs butter, melted and cooled
- 1 large egg
- 1/2 cup whole milk yogurt or sour cream
- 1/2 cup brown sugar
1 c. rhubarb, roughly diced into 1/2" pieces
Preheat oven to 375 degrees F.
- Butter or line 12 muffin cups. Set the muffin tin on a cookie sheet.
- Melt both portions of butter. Set the 5 tbs for the muffin batter aside to cool.
- Add the 3 tbs of the butter to the rest of the streusel ingredients, combining with a fork or clean fingers until it is crumbly and moist, like damp sand.
- In a medium bowl, whisk together the dry ingredients.
- In a large bowl, whisk the egg with the brown sugar. Stir in the melted butter, followed by the yogurt.
- Dump the dry ingredients into the wet and gently combine, taking care not to over mix.
- Fold in the rhubarb and about 1/3 of the streusel (no need to measure).
- Divide the batter evenly between the 12 muffin cups (hot tip: use an ice cream scoop for this).
- Top each muffin with a generous crumble of the topping, gently pressing it in to make sure it sticks.
- Bake for 20-25 minutes.
- Cool briefly in the tin before removing to a rack to finish cooling. It is important not to seal these up in a container before they are totally cool, or the crisp topping will become super soggy.


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Chad Farmer
Elgin High Marion, OH Class of 1983
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BBB Brand: Bueno -- Good--, Bonito--Pretty--, Barato--Affordable--) is a Latin slang for all things worth purchasing.
Strategically named in collaboration with Garza Group, to add authenticity to the concept for a "B Brand". Designed to visually represent tradition and quality at an affordable price. This is the most recent dairy product launched at Grocery stores, only at the butcher department. We intend for the consumer to gradually nickname this brand as "B Brand", and building a strong presence amongst the affordable cheese products.
Sketching process for creating BBB Brand logo and labels.


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So we made it to Barbados on Tuesday after an 8h30m flight.
I'm glad and pleasantly surprised to report that our lil Dumpling handled his first flight very, very well!
Our flight was at 11:25am so we had to wake him up at 6am to get ready to leave for the airport – that was probably the biggest struggle of the day if I'm honest. Took a few minutes to wake him but, once he was awake he was his usual cheerful self.
We got to the airport and did the usual bag-drop and once we cleared security and had some breakie, it was time to board. Dumpling was taking a nap by then so he didn't even realise he was on the plane until it was taxiing.
As we were travelling with an infant, we were allocated the seats in the middle right at the front where the drop down table for infant seats are located. These can't be used during take off and landing – cabin crew supply you with a seatbelt extension for baby to sit on your lap and attach to your own seatbelt.
Once airborne, the crew then set up the infant seat (or baby cot for under 1's) and you can either put little one in there or sit them on your lap. We kept him on our laps mostly except for during mealtimes or if we needed to go to the loo!
I'd say we were quite lucky in that Dumpling didn't mind being in the air or seem to have any issues with the cabin pressure during take off and landing.
But, having said that, I had plenty of things to keep him occupied during the flight after reading loads of mummy blogs about flying with toddlers!
Here's a few tips from what I learned from our first long-haul flight with our lil fella:
1. Take your own milk/water – don't rely on cabin crew to supply anything as you'll have to wait for them to bring it and baby might get agitated if they forget about you!
2. Pack plenty of snacks – you can't have too many! I mean this!!
3. Take your own food for baby – take enough that you can feed baby at his/her usual meal times during the flight.
4. Pack a tablet loaded up with baby's fave programs or channels – even if like our little one, they don't watch much TV, you will NEED something to entertain them during the flight, esp if it's long haul.
5. Take extra clothes to match the climate you're flying to…might seem obvious but unless you've flown before you probably won't appreciate this. I only did this because I read about it prior.
6. Don't worry about routine – there's nothing routine about flying long haul with a baby – we'll, not for most of us anyway!!
Now we've flown once with Dumpling, I'll know exactly what to do for the next one – which will be more of a challenge as it'll be overnight. We'll see how that goes in a couple of weeks! 😳🙏🏾


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At the end of August I paid a visit to Sissinghurst Castle Garden. This was my second visit to Sissinghurst (I went a couple of years ago) and it is one of those places that you could visit two or three times a year and always see something new.
Sissinghurst's garden was created in the 1930s by the writer Vita Sackville-West and her husband Harold Nicolson who was an author and diplomat. Vita was on the fringes of the Bloomsbury Group. She also wrote a weekly column in the Observer newspaper on gardening. The garden that she and her husband so loving created is designed as a series of rooms. Each room has a different colour or theme and is divided by high hedges or brick walls.
Vita and Harold were the last private owners of Sissinghurst Castle. After Vita's death in 1962, Harold decided that it should be given over to the care of the National Trust but the family have life-long access to it. The estate comprises 460 acres of beautiful countryside which can be truly appreciated from the top of the tower.
I took my trusty Nikon DSLR camera and spent two hours snapping over 200 photos. I won't bore you with that quantity but I do want to share a selection with you.
When you arrive there is a museum in one of the Oast houses (these are buildings used for drying hops as part of the brewing process). I highly recommend it as it gives you are real insight into the complex lives of Vita and Harold.
The gardens are designed as rooms and everywhere you turn is yet another beautiful walled garden. I particularly love the use of urns in the gardens.
For all you zinnia fans, this display was a sight to behold!
The tower is never far from any part of the gardens and provides a majestic backdrop.
There are stunning views of the gardens and countryside from the top of the tower in which Vita worked. On the way up the circular tower you pass these two windows with beautiful coloured glass items.
The views from the top of the tower are worth the climb.
The 17th centure Priest's House is one of my favourites. It is available to rent and visitors come in droves to stay there and soak up the atmosphere of the gardens.
The old orchard was designed to be half garden and half half wilderness. Roses were planted against the boughs of old apple trees, with winding paths mown in long grasses.
The South Cottage Garden is one of my favourite as it is a riot of warm reds, oranges and yellows.
The famous White Garden was still holding its own despite most of the white roses no longer in bloom. Until 1950, the White Garden had been filled with roses but as they outgrew their space they were transferred to what was to become the Rose Garden.
Water is a feature of parts of the garden. I didn't have time to walk to the lakes but I strolled down to the Moat which has the remains of an Elizabethan wall on one side.
I stumbled across a small pond in the corner of one of the garden rooms.
The vegetable gardens are huge and set slightly apart from the main gardens. You reach them via a path lined with blueberry bushes and rosehips.
No visit to a garden is complete without a few flower closeups!
That was a whistle stop tour of the gardens but if you have the opportunity, you should see them for yourself. There is an incredible sense of history in these gardens and I kept expecting to see Vita striding towards me in her plus fours and a cigarette in her hand ! One of these days I'm going to book myself a night or two in the Priest's House. Who knows, I might get to see Vita's ghost in the moonlit gardens!


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While you are reminiscing about the times you spent in high school at Carver High School, you should also check out alumni photos, yearbook listings and share any reunion info if possible.


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Watch: KFC opens 58th branch at MovieTowne, POS
Photo courtesy Prestige Holdings Ltd.
Excitement reached new heights on Wednesday as Trinbagonians rushed to experience KFC's newest branch at MovieTowne, Port of Spain.
The grand opening was met with crowds of people after a ribbon-cutting ceremony at midday, showing the branch is now open for business.
CEO of Prestige Holdings Limited, Simon Hardy, said to LoopTT that this latest addition to the franchise is the 58th branch to be opened in Trinidad and Tobago.
"This is the 58th store we've opened in Trinidad. We've wanted to have a branch at MovieTowne for some time, but we wanted to wait for the right opportunity and the right location. We know MovieTowne is a destination for families and we know many of them also love KFC, so now we're right where all the action is," he said.
The new restaurant also features a modernised design, complete with community areas and even power outlets for customers who want to use their laptops or charge their mobile phones while dining.
"When we build new stores we always build with the latest design. This branch features clean, contemporary and modern lines, and our community tables will also have power outlets to give customers more convenience," he said.
KFC MovieTowne POS
Hardy also reminded the public that the chicken served in all local KFC outlets is not only cooked fresh, it's also hand-made.
"A lot of people think it's from frozen, but it's fresh, it's delivered fresh every day and it's local, we buy all our chicken locally. So it's the best ingredients, the best quality, and that's why it tastes so good," he said.
Customers were impressed with the new layout and were happy with the new convenient location. The company also gave out Christmas candy canes to all customers on opening day, and KFC decorated cupcakes and meal vouchers were given to the first 100 customers
The branch officially opened for business from December 5, 2018 at midday, and customers can go there to get all of their favourite specials and meal combos.


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The Purpose of a Lead Line
So I guess I'll start with a bit of a story that inspired the topic of this post.
I just arrived at the stable for my lesson. I had organised my tack and brushes at the grooming area and headed over to the stalls to get my horse. I grabbed his halter and noticed that his lead rope was missing. I looked around and couldn't find it. Because I knew my horse well and trusted him, I didn't think anything of leading him by the halter back to the grooming area that wasn't too far away. I didn't think twice about doing this. I never thought that I had to leave his stall without him and find another lead rope before taking him out. So I held on to his halter and lead him out. Before I could even get 3 steps out of his stall, I was stopped by a stable hand who said that what I was doing was extremely dangerous. She handed me another lead rope by a nearby stall, gave me a look and let me continue on my way.
Now for some people, they might agree with that stable hand and might think that I was crazy for even thinking of doing this.
All I could think of, however, was why. Why was this so dangerous? How does a lead rope make leading a horse that much more safer than leading him without one?
I've never been the type of person who does or believes anything just because I was told to. I always try to reason and find the logic behind the method. Which is why I started to think about lead ropes and why I decided to write this post.
When I think of the purpose of a lead rope, I think of it behind designed to be an extension of your arm. That way. you can stand further away from their feet and avoid being stepped on. If the horse pulls against you or rears, you can still hold onto him.
Does that make it a useful tool? Absolutely. Does that mean you can't lead a horse without it? I don't think so.
Now let me be clear, as riders we need to be smart when working around horses. If a horse is dangerous to lead, then maybe leading him without a rope is not the best idea. However, if your horse is well behaved and you trust him, then I don't see anything wrong with that. I think a big problem in the horse world is not trusting our horses. We seem to look for more control instead of more partnership.
Leading a horse without a rope means that you trust your horse. You trust that he won't step on your feet. You trust that he won't yank your arm and try to run away. You trust that he will willingly follow you wherever you go. That's a much stronger relationship. And if your relationship is strong enough, you don't even need to hold onto him at all. He'll just follow you wherever you go.
Let's also not ignore the ways a lead rope can hurt a horse. Some of which include:
1- Wrapping a chain around his nose for more control. Forcing him to submit to avoid feeling pain.
2-Stepping or tripping on the trailing rope as he walks or runs away.
3-Getting trapped by the rope. Preventing him from getting free.
These are all situations where it can be dangerous to use a lead rope. Now these situations don't necessarily occur if a horse is being disobedient. It could be a split second where the rider wasn't paying attention or dropped the rope. It could also be during an emergency, like a fire, and the horse is just simply trying to get away.
Sometimes I think people still follow certain rules that they were told when they first started riding. Those rules like never walking behind a horse and always mounting up on the left side. These safety rules that they might believe are set in stone and never meant to be broken. If you're inexperienced with horses, if you're working with dangerous horses or you don't trust the horse and/or the environment, then yes it is a good idea to practice certain rules. But that doesn't mean that these rules apply 100% of the time.
We need to be smart. We need to be aware. We need to know what we're doing. Working with horses is dangerous. There are risks. So only do what you're comfortable doing and stay educated with how you're doing things. Don't put you or your horse in danger. But also don't be afraid of trusting your horse enough to let go a little bit and allow your partnership to grow.
In my opinion, the only three rules that cannot be broken are these:
1- Never do anything to the horse with will intentionally cause him pain or discomfort. Whether that is physically, mentally or emotionally.
2- Never force a horse to do anything. Riding, regardless of the discipline, is a partnership. Both parties need to work together in harmony to complete a common goal.
3- Horses don't understand our language and they don't need to. We, as riders, need to understand their language and see everything through their eyes.
I'd love to know what you think about this post. What are your thoughts on lead lines? What are your thoughts on rules and horsemanship? Let me know in the comments below!
Until next time, happy riding!


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Will the police get to Annie before she takes off with Paul forever?! Joey and Tiegan are on! Will Jesse's scheme to fool the Department really come off?
Add this episode to your queue to receive more information about
Episode 2190 and we will let you know when it becomes available.


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Join in the latest eco-trend! This creative, practical and fun workshop will introduce a range of techniques to transform a piece of unwanted furniture in to an upcycled materpiece. All materials will be provided for you to try out a range of finishing and upcycling techniques on a small piece of furniture to take home.
Refreshments will be provided, but please bring your own lunch and snacks.
A limited number of accompanied children between ages 12 and 15 years are welcome at this workshop. Please note, this arrangement is for one adult and one child working together.


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My third anniversary in business as a freelance policy, strategy and governance consultant will arrive in a couple of weeks' time, so I thought now might be a good opportunity to review The Year That Was and think about the year to come.
As always, let's start with stats. This year, I have:
- Worked for 6 clients - 4 universities, 1 state government agency, and 1 SME. The balance of the work has been roughly 50% University A, 25% University B, 15% state government, and 10% University C and D and the SME together. One of the university projects came online very late in the year (May), and another was very small, while the SME was a one-shot, which is why C and D and SME together were only a small contribution to the total.
- Had 12 weeks completely off - a week apiece in the July and September school holidays, 3 weeks over summer, a week apiece of project pause time in August, September and November respectively, and 4 weeks in April (the entire month) when we travelled to Japan.
- Worked an average of 4 days a week in the 40 weeks I worked (this was unevenly deployed, with a few 10-day-no-break stretches and some weeks with only a couple of working days in them).
- Attended client sites for meetings an average of 1 day a week except in my Monster Quarter, where it was usually 2 days a week.
- Did 3 business trips to Adelaide for a client there who I've been working with since November.
- Had a very uneven spread of work across the year, with Monster Quarter 2 (Sept-Dec) carrying 35% of the overall year's work while Quarter 4 (Apr-June) carried only 15% (this was largely due to the 4 week break in April and a billing cycle that has pushed some payments forward into next financial year). Quarters 1 and 3 carried 22% and 28% respectively.
- Again made use of subcontract labour to deal with overflow work. I have one very reliable subbie now who definitely helps me manage the fluctuations of the workload, and others I can call upon in desperate times, although that is not as successful generally as they don't have the depth of understanding of my work areas.
- Earned 85% of my earnings from 2016-17 (so a drop of 15%). My goal that I set last year was to have a drop of 10% (I knew that losing April, which is usually one of the most lucrative months of the year, meant I would not match, let alone exceed, last year's total), so I did not quite meet this goal, largely due to a quiet stretch in August-September that I hadn't anticipated. Still, my earnings were more than adequate for our needs, and given that I worked 3 less weeks, I can't really complain.
In non-statistical terms, it has been, on balance, a good year, with moments of being less stellar (but what job or work arrangement doesn't have that?) Learning how to effectively service an interstate client has been interesting and rewarding, and all the projects have had their challenging but also engrossing elements. I have had times of great fatigue, but because I work primarily from home, I have been able to calibrate around my health and energy in a way I wouldn't have been able to do in an office environment, so I count myself very fortunate in that regard.
Looking at my goals that I set last year, I did not too badly. My goals were:
- Get within 10% of 2016-17 earnings: As stated earlier, I didn't quite do this, with a 15% drop, but I went close.
- Take 10 weeks off: I actually had 12, but 2 of them weren't by choice!
- Try to expand my client base: I did this, picking up two new university clients with big projects (including my Adelaide client). I now have three large university clients and two more ad hoc / smaller universities, as well as one government agency and one SME. So that goal has worked out well.
For 2018-19, I am in the unusual position of having the first 9 months already sewn up with work. All three of my big university projects will roll on until at least March 2019, with one of them definitely continuing through til June and one other probably doing so. This means that my income projection is a bit more predictable than it usually is, and also that I am relieved of the burden of seeking further work - a part of freelancing I do not overly enjoy. While I could squeeze in other things - and will no doubt try, if the opportunity offers! - I am not in the position of *having* to find more work until at least March next year, and that's really quite nice.
I'll also be taking a more routine / structured approach to my work weeks, with one fixed day a week on campus for one client, further trips to Adelaide for another, and a more systematic allocation of days between the three big client projects, which I hope will both help manage the heavy workload and also help me with the code-switching I have to do between the projects and their different styles. I anticipate some weekend work will be needed in overlapping peak times, but I am trying to keep that to a real minimum.
My goals for 2018-19 in business are:
1. Exceed 2017-18 income by 20%. This effectively means doing 5% better than my best year so far (2016-17) and given my locked-in work, it should be more than achievable, given that I will not be absenting myself for one of the most lucrative periods of the year!
2. Take 6-7 weeks off. I will, as is my wont, take a week apiece in the July, September and Easter school holidays, and I'll take the Christmas and NY weeks over summer. I'll have to see how things are sitting, but if I can, I'll make that summer break 3 weeks instead of 2 (but given the projects' timelines, that may not be feasible). I'd also love to take another week, maybe configured as a couple of 2-3 day stretches, at some point in the back half of this year, while the kids are at school, to give me a chance to do a few time-hungry personal / life admin tasks I have been putting off, and catch up with friends I rarely see.
3. Plan work strategy for the next 5 years. I'll be 45 years old in a couple of weeks. At the moment, freelancing is working well for me, but I need to put some serious thought into whether this how I want to continue to work in the second half of my 40s, and if so, what my business plan might be for sustainable work attraction, delivery and future savings. I do have a tendency to roll on without thinking further ahead than the next 6 months work-wise, which can be an advantage in that it reduces stress of worrying about unknown unknowns, but isn't the best approach when you are trying to work out how to have a productive mid-life in preparation for a hopefully modest-but-not-impoverished old age.
We won't be taking any big trips in this coming financial year - we've got a nice little 5-day mini-break in the Mallee lined up for September, and will probably do a few days or a week somewhere local next Easter hols too - so that does make work planning easier in a lot of ways. We are, however, thinking of doing an overseas trip in 2019-2020, possibly to either Hawaii or New Zealand, so next year's planning will look a little different! But for now, onwards and upwards into the new financial year.
Sunday, June 3, 2018
Year Three in Business
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Pan Seared Orange Roughy/
Have you tried Orange Roughy?
It's a mild tasting white fish comparable to tilapia (but 'meatier').
This fish has little fat, no carbohydrates, & is just about all protein - six ounces has almost 30 grams! So pretty perfect for someone trying to build lean muscle.
I used a egg white & homemade honey mustard wash and lightly tossed in plain breadcrumbs + cayenne pepper.
I had all these ingredients in my pantry so picking up a few roughy fillets on my grocery haul was easy peasy!
I served the fish with a spinach & strawberry salad with a lemon, mandarin orange dressing.
INGREDIENTS: (Yields 2 servings)
- Two 6 oz Orange Roughy Fillets
- 1/4 c. Plain Breadcrumbs
- 2 tbsp. Yellow Mustard
- 1 tbsp. Honey
- 1 tbsp Cayanne Pepper (+/- based on how spicy you like it)
- 1 egg white
- Rinse fish under water & pat dry.
- Combine honey, mustard, and egg white in to bowl
- Combine bread crumbs + cayenne pepper into a plastic zip lock bag
- Coat fish in wash and seal into bread crumb bag, shake off excess and place on plate
- Put fish into fridge for 30min to allow adherence
- Coat frying pan with coconut oil (or oil of choice) on high-medium heat and sear for 5 min each side
NUTRITIONAL INFO (1 serving )
Calories: 210 Carbs: 11g Fat: 2g Protein: 31g
- Spinach
- 5 Strawberries
- 1/2 seedless cucumber
- 1 tbsp sliced almonds
- Dressing: Juice of 1 lemon, 3 slices of mandarin oranges, 1 tbsp red wine vinegar, 2 tbsp olive oil, oregano. Blend together.
If you make this recipe, be sure to snap a photo and hashtag it #Fitgirlxtina. I'd love to see what you create!


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Well, I hope all you natural hair people are happy... I am finally finally going natural. Why, you may ask? Well, I really do love how my hair looks after a fresh perm but I am just so tired of my weak edges and baby hairs. I can't keep braids in my hair for long before the braids pull my little hairs out.
Also, I have found it to be much easier to take care of my daughters hair when we have the same hair regimen; and there is no way I was about to start perming my three year old daughters hair!
I should tell you guys... I have absolutely no idea about how to grow my natural hair. I am certainly no natural hair guru or expert. All I know is the little I learned from my natural sisters and friends. I am going to focus on maintaining moisture in my hair and protecting my hair.
Our Routine:
At least once a day, I will put the following products in our hair:
1. Shea butter
2. Daily hair moisture creme
3. Jamaican Castor Oil
4. Argan oil leave-in conditioner
Share your hair regimens with me! What has worked for you? What protective styles do you use to maintain moisture?
The current protective style we are trying out is Crochet with Havana Twists.
I will try and keep you all updated with the progress every so often, so pray for our hair you guys!!
See ya'll!!


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Baltimore Museum of Industry Wedding: Joy + Larry
I had the pleasure of working with Joy and Larry while documenting their special day at the Baltimore Museum of Industry. This spot is one of my all time favorites in the city. It speaks to my heart with the merging beautiful view of the Baltimore city skyline and rich history of the city's industrial past. All the booths are so interesting and unique and you feel like you're stepping into the past as you stroll through the many set ups. It's especially fun for your wedding as you have lots of fun backdrops to play with and Joy and Larry honed in on the movie theater for bridal party photos. Loved it!
After the I do's, dancing and cake, we had the pleasure of watching a lip sync battle between Larry and the groomsmen and Joy and the bridesmaids. They took this battle seriously as they were practicing their dance moves right up to the last minute, and they did not disappoint! So fun!
Joy and Larry, it was amazing. Congratulations and thank your for choosing us to document your special day.
Ceremony and Reception Location: Baltimore Museum of Industry | Coordinator: Heather St. Clair Events | Dress Designer: Maggie Sottero | Hair and Makeup: Up Do's for I Do's | Suit: Men's Wearhouse | Florist: Flowers and Fancies | Caterer: Zeffert & Gold | Cake: Sharla Chinniah | Officiant: Stan Long | Reception music: DJ FatCat | Invitations: Minted | Honeymoon location: Vancouver Island


text: Music is a journey. Every artist fine-tunes their album to take their listeners on a tour through their musical world. Ann Paul's sophomore album Stay is a perfect example of this. Her soft voice bellows through the soul of each carefully crafted note. This album is a lifetime of stories just waiting to be told. Each song fitting snug against the next. The perfect companion to a moonlit night or a perfectly windy, sunny day. It was created to connect to you…to become a part of your world as each song flows through your ears and down to your heart. It is an elegant tribute to those who fall in love with her work. A privilege to those who chose to take it in and let it become a part of their life. Take a listen to the album on YouTube. See for yourself. You can follow Ann Paul on her website or purchase her album below: Extended Plays is an ongoing music series of all the music that I stumble upon. I listen to the music, go with my gut and spill my honest and sometimes brutal opinion all over this blog. I hope you take the time to check out the artists I review for yourselves. I tend to believe that I am always right about everything but the most beautiful thing about music is that my opinion doesn't matter to anyone but myself. POWERED BY: Create an Artist View profile for yourself and start exploring. Follow our blog to get exciting insight on our artists and our world. Help our artists follow their passions and live their dreams by being a part of the ride. If this is your first time here, we hope you enjoy your visit and come again often. For those of you that are returning, welcome home. Visit Artist View Official at: www.ArtistView.com Learn more about why we are doing all of this by clicking here. Questions? Comments? Contact us today! Comments commentsPowered by Facebook Comments


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Employee's Only
For the sophisticated pallet, this Rye based drink is amazing! Come out to today and enjoy this specialty cocktail only at Incontro A Tavola!
Templeton Rye
Carpano Antica Formula Sweet Vermouth
Grand Marnier
Angostura Bitters
Maraschino Cherry
Orange Peel
Mix all ingredients into a shaker over ice. Shake and pour!


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21st Century Rehab congratulates Elizabeth Meyer for becoming a Certified Lymphedema Therapist!
Elizabeth Meyer, DPT, CLT recently attended the Klose Training, 135 hour Lymphedema training course. Elizabeth learned the skills and knowledge necessary to safely and effectively treat patients with lymphedema using Complete Decongestive Therapy (CDT). Components of CDT includes: manual lymphatic drainage (MLD), compression bandaging, skin care, and exercise. MLD is utilized as a way to improve lymphatic flow and function of the lymphatic system, re-route blocked areas into healthy lymph vessels, reduce edema from surgery or sport injury. Compression therapy which is used to increase tissue pressure and improve muscle and joint pump activation. Skin care which is important to in reducing risk for infection, and finally, exercise, which assists with lymph motility and reducing swelling over time.
21st Century Rehab is dedicated to providing a comprehensive suite of services to their clients and Elizabeth joins a great team of Certified Lymphedema Therapists at 21st Century Rehab. To learn more about Lymphedema and our certified lymphedema therapists please view our Lymphedema handout.


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What Do Oysters Eat?
In my new mini-series, "Bivalve Curious," I'll be asking and answering some questions about oysters that you've always (or maybe never) wanted to know. They say you are what you eat... so what do oysters eat?
What do oysters eat?
Oysters eat phytoplankton or small bits of algae suspended in the water. They are filter feeders, which means that they obtain their food by filtering water in and over their gills. Sometimes they're referred to as bottom feeders, but don't mistake them as detritivores. Whatever they can't eat or digest, they expel as feces and pseudofeces. Not unlike myself, oysters are voracious eaters. Adult Virginica oysters can filter up to 50 gallons of water per day. To demonstrate their filtering power, here is a fascinating time-lapse of some oysters in a tank doing their thing.
You know that saying, "you are what you eat?" It's just as true with oysters as it is with anything or anyone else. While I am highly suspect that algae and water composition impacts the taste of the oyster, it is quite difficult to quantify. Fortunately, there's an easier way to prove the link.
Have you ever come across a green-gilled oyster?
No, they're not sea sick. The greenish-bluish color is caused by a special type of phytoplankton known as Navicula ostrearia. The effect has been studied by scientists as early as 1820, and I found this research paper from 1885 most intriguing. The green tint is temporary and doesn't change the taste. If the presence of this diatom subsides, then the oyster would also turn back to its original color in a few weeks. Green oysters enjoy a positive and desirable reputation in France, where they are specially cultured in Marennes, but they can just as easily occur in nature without any human interference. The photos above are of oysters from the Rhode Island and Long Island Sound, respectively. Green oysters have also shown up as south as Lynnhaven, Virginia.
You're also probably wondering about the darker side of this equation: are oysters also eating things that can be harmful to us? It is possible, but it all depends on the location. Trace metals, chemicals, and bacteria can find their way into oysters if they are present where the oysters live, which is why you don't see any oysters being consumed from New York Harbor anymore. (Btw: I found this blog post by Chris Len for Deep Sea News that is worth a read.) In general though, this shouldn't be a concern. The oysters that you find in today's restaurants and seafood markets are perfectly safe to consume. They are properly harvested from highly regulated waters that contain minimal levels of contaminants. I tend to think that people are more dangerous to your health than the oysters themselves, and this is why you should always buy your oysters from trusted sources.
Got a burning oyster question you want answered? Post a comment below or tweet me at @inahalfshell.
Want more oyster trivia? Check out my extensive Q&A "9 Things to Know About Oysters: Myths, Facts, and Trivia."


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Steady enchancment is an ongoing effort to enhance merchandise, providers or processes. At Improvements, we imagine that Outside Living is an surroundings that's created when you're sitting around a fireplace pit on a snug outdoor couch or consuming a scrumptious, bbq meal with family and associates at a stupendous patio desk Whether you may have a small patio or a large backyard space, creating your individual, absolutely-useful out of doors dwelling space is pretty straightforward to do. After you know how you want to make the most of the area, simply select the suitable outside furnishings items and patio equipment and you're on your means!
Hamdan and others provide a definition: Within the Flipped Learning model, lecturers shift direct studying out of the large group studying house and move it into the individual studying house, with the help of one in all a number of technologies" ( Hamdan et al., 2013 , p. four). Many researchers have put forth variations on the definition of flipped." The main idea is to shift the attainment of content before class within the type of tutorial videos, recorded lectures, and other remotely accessed instructional objects.
On the premise of these data, we propose that any learning features seen in either situation are extra probably a result of the energetic-studying style of instruction fairly than the order in which the instructor participated within the learning course of, that's, whether the instructor was facilitating preliminary content material attainment as seen within the nonflipped model or facilitating concept software as seen in the flipped mannequin.
The broader challenge underlying such issues is integrating the better-known arduous" operational instruments and approaches—similar to just-in-time production—with the smooth" aspect, together with the event of leaders who can help groups to constantly establish and make efficiency improvements, hyperlink and align the boardroom with the store ground, and construct the technical and interpersonal abilities that make effectivity benefits actual.
We are able to work with you to enhance your cost-base by a variety of refining technical services, comparable to evaluating how your performance compares with that of your peers; growing and deploying interactive periods together with your key employees and our consultants to generate new cost-saving proposals; and defining measures that immediately hyperlink to quantified per-barrel refinery margin improvements.


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Excess Nitrogen is killing Farm Pond. The pond is at risk of becoming a giant, stinking cesspool. Although flushing the pond will create a temporary fix, we need to look for long term solutions to balancing the nitrogen levels in the pond.
Some of these long term solutions include:
In a coastal pond, the water plants at the base of the food chain require nitrogen in order to grow and reproduce.
When a watershed supplies too much nitrogen, the algae growth takes off:


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Bauhaus Bar Trolley White$1,180
The Bauhaus Trolley is inspired by the influential German art school. Use it as a serving trolley or as a portable table. Made from powder coated steel and includes two trays - one in hardened glass and one made of perforated steel. The wheels of the trolley can be fastened thus making it a stationary small table. This elegant piece of furniture comes flat-packed and is assembled with screws.
Lead Time : 10 - 12 Weeks
Material : Powder Coated Steel + Glass
Colour : White
Dimensions (cm) : H77 x L72 x W35
This is a special order item and is purchased by Simple Form from the manufacturer specifically at the customer's request. These items are designated as 'on request' and are exempt from cancellation rights. Once an order is initiated and processed, no refunds will be issued at any stage of the purchase. For more information about these classified products please read our full terms and conditions before placing an order.


text: Lambda Theta Alpha Latin Sorority, Inc. was established in December of 1975 at Kean University as the first Latina sorority in the United States. Our 17 Founding Mothers aimed to create a sisterhood that would cater to the academic and professional success of all womxn. Thirty-three years later, our very own Delta Phi chapter at USC was established to carry on this mission. We are proud to be "latin by tradition not by definition." We aim to serve the multitude of womxn in our community--of all creeds, ethnicities, religions, political views, etc. LTA will continue to present charitable and educational programs in the vision of our founders for many years to come!


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Recently a lot of people are talking about deleting their Facebook accounts after it came to light that Cambridge Analytica used Facebook provided tools and harvested personal data of nearly 50 million users and many users still have no idea what information of theirs was leaked.
Facebook stores almost every single interaction you've had with the social network since you joined, including every time you've logged in, advertisements you've clicked, events you've been invited to, a list of the people you follow, your friends, your hometown, every time you've sent or received a message, every single status update and more.
Although Facebook affirmed that "We never sell this data, and this feature does not collect the content of your text messages or calls" but it is still scary that the company knows so much about its users.
However, what you'll find is that this is an entire history of your life on Facebook.You can use this as a copy of your profile that you can download if you plan to leave the social network, but it's also just a reminder of how much Facebook knows about you.
How does Facebook know everything about you?
Facebook recently admitted that it actually records more data about you than you would realize. And this data includes call and SMS records, even if the call you made or the SMS you sent has nothing to do with Facebook.
In addition to other private details, like your address, qualification details, professional carrier, liking, disliking, regular regime, even where you go for dinner, how often you travel out of country for working or vacation purpose, includes the special person of your life, etc. that Facebook also records and keeps. In other words, Facebook has lots of lots of data on you.
It's basically the history of everything you've done on Facebook. It's also the data that Facebook can use to learn more about you. When others get unauthorized access to this data, they can learn a lot about you as well. Well, using a few steps on Facebook you can actually find out.
How to download a copy of your Facebook data?
- Go to Facebook.com/settings.
- Tap "Download a copy of your Facebook data."
- Tap "Download Archive" and enter your Facebook password for security confirmation.
- It might take a few minutes, but Facebook will alert you when your archive is ready and you'll now be sent an email with your entire archive.
- When it is, click "Download Archive" again, and a zip file will download to your computer.
- Browse through that archive by opening each file inside the folder.
- Now you can browse your way through a set of web page-like stores of information. For instance, "index.html" is an archived version of your Facebook profile including past relationships, jobs, and educational institutions.
- You can view every photo you've uploaded along with all the EXIF data Facebook has on it – i.e. where and when it was taken, and even where it was uploaded.
- You can even see everyone you've ever unfriended.
- In fact, Facebook has kept track of every event you've ever attended, videos uploaded, locations and devices you've logged in from, the messages you've sent, the images it compiles for facial recognition and even what advertising topics it thinks you prefer being served.


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Dr. R. K. Bhoodes, M/s. Kairali Exports, Kollam who was the Vice Chairman of the Council for the year 2016-17 has taken over as the Chairman of the Cashew Export Promotion Council of India Council on 28th September 2017 at Kollam.
Dr. R.K. Bhoodes has been a member of the Committee of Administration of the Council since September 2013. Apart from being the Convener of various Panels of CEPCI, he has also put in commendable efforts for the successful conduct of the Council's Diamond Jubilee Celebrations / Kaju Conclave at Kochi in September 2015 and also Kaju India 2017 recently held at Goa.
A Mechanical Engineer by profession, he has done his MBA in international Marketing. He was awarded Ph.D for his thesis 'The Transition of World Cashew Industry and The Challenges to India'. He has to his credit more than 20 papers published in the field of Cashew production, processing and marketing.
Dr. R.K. Bhoodes is the Managing Partner of M/s. Kairali Exports, Kollam, an associate concern of M/s. Prasanthi Group who are prominent exporters of cashew kernels


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Click here to view the article.
With recent arrests in London apparently connected to the Serious Fraud Office investigation into Rolls Royce, and rumours that the SFO has several other cases in the pipeline, 2014 may be an interesting year. The Bribery Act 2010 has not yet made its mark, and the authorities have yet to use it for its most keenly anticipated task – the prosecution of organisations for failing to prevent bribery. Such prosecutions, when they begin, will be in uncharted territory.
These are challenging times for any corporate facing investigation. The vigilance and interest of the authorities in all bribery and corruption allegations is undeniable. The combination of the anti bribery and proceeds of crime legislation means that concerns, wherever they arise, cannot safely be ignored. Yet business could be forgiven some continued uncertainty as to how, precisely, the authorities intend to use their relatively new powers. The SFO has encouraged corporates to self-report, but there can be no guarantees about the reception they will receive if they do so.
Two developments in the UK this year may alter the landscape further; Monday 24 February will see the arrival of Deferred Prosecution Agreements. Used in the USA for years, DPAs are new in the UK, introduced because of the perceived weaknesses of the UK criminal justice system when dealing with serious and complex corporate crime. A DPA will allow the prosecution of an organisation to be suspended for a defined period, during which requirements are made of the organisation to meet specified conditions; the payment of compensation, the review and enhancement of internal systems and processes etc. Unlike in the USA, the UK version of DPAs will require court approval. It remains to be seen what effect that difference will have on their success.
In October 2014, the new Guidelines for the sentencing of corporates convicted of fraud, bribery and money laundering will come into force, and apply to all organisations sentenced thereafter. This is the UK's first attempt to provide guidelines for the sentencing of organisations (rather than individuals) convicted of financial crimes. They will be a starting point when considering the likely financial conditions of any DPA, and have been published some months before coming into force for that purpose. The system for calculating financial penalties uses a multiplier, and is broadly based on the US system for determining fines.
So, in that regard, too, the UK system has sought counsel from its American counterpart. For the UK authorities, these developments show their commitment to tackling bribery and corruption alongside their international colleagues. Corporates may welcome the introduction of more sophistication to the prosecution approach, if not the American style penalties. By December 2014, perhaps, the future will be clearer.
Category: Articles | Author: Jennifer Carter-Manning |


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Your Custom Text Here
Different data visualisation projects: Infographics, PDF presentations, and research made more pleasant to read.
The Bra / Infographics
Timeline visualisation for the history of the bra - From the year it was invented through the sands of time, until 2017.
The Israeli Market / Presentation Design
PDF presentation portraying the trends of the Israeli market in sports-wear.
Investors Pitch / Data Visualisation for Real Estate
180 pages of data, images, texts and charts of various styles, for a new hotel pitch in the Caribbean area.


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Related: Layout Editor, PSD hints - Speeding up of publishing time, Publish Editor, Properties
- List of elements
- Elements addition
- Elements assignment
- Elements status
- Types of elements
- Elements properties: common and unique
- Best Practices
We'd like to offer you the easiest way of elements definition (to our mind, of course):
Elements are the basis of the website creation (they are like bricks).
Element can be described best as a container which carries all necessary properties, position of an element, styles, functionality for a web page / theme objects like texts, links, buttons, images, etc.
Example: Blue button with rounded corners in the Header block converted to HTML, CSS code is clear for browser.
The main task of elements is to collect as many data from a PSD as it's possible or user input (in the Properties panel) and convert them to understandable and valid format for a browser and CMS (Content Management System).
So, the elements definition is already known now, but before you can start the work with elements, firstly you should add them to Divine Elemente. What it is all for and what methods of elements' addition exist can be read below.
List of Elements
On the image below you will find the all necessary elements for the WordPress template.
List of elements and base instructions (Click on image to enlarge)
The PSD template with all these instructions is included with the latest build of Divine Elemente plugin.
Elements addition
In order Divine Elemente can define what elements should be created in a new template (by the 'Create new PSD' button pressing), firstly, you are to add them all in the Layout Editor.
Using this method, you are just to click "+" (Add) menu in the elements panel and then specify exactly in the dropdown menu what you need to add:
- Add dynamic (CMS) elements - 'Post Titles', 'Post Contents', 'Post Dates', etc.
- Add static (HTML) elements - you can add 'Image', 'Link', 'Text' elements many times.
- Add style (H1, text...) elements - addition of styles for <h1>, <p>, <a> tags, etc.
- Add all elements - add all page elements that are available.
Elements addition. Addition by predefined sets of elements
In this method each list adds elements according to the element's type.
Each element can also be added separately. This method is required for more exact defining of the website elements required.
Add elements by choosing one of the following ways:
One-by-one elements addition
After elements are added, they are displayed in a new PSD template (by the 'Create new PSD' button pressing in the Layout Editor) and can be assigned in the Publish Editor, so you are ready to continue the work with elements.
Elements assignmentAssigning website elements in Divine Elemente, you give a set of properties to the element, formed from the chosen layers or a group of layers of a PSD template. Properties of the assigned elements can also be changed any time.
The element assigned is a container with input from a PSD / user, which converts its properties to understandable for the browser format.
Main workflows of elements assignment
We'd like to offer users more flexibility in choosing of the methods for elements assignment, so please find the main ways to work with elements below:
Choose the required method for yourself: Comparison of main workflows for elements assignment.
As you have just found out, each method has its advantages and disadvantages:
The "Manual (One-by-One)" method is the easiest and the most understandable method and can be useful for those who are not familiar well with Divine Elemente, but have good knowledge of Adobe Photoshop. All you have to do is to point a group of PSD layer(s) on the canvas and assign an element by right clicking on it. After that, select behavior for it: 'Link', 'Image', 'Logo', etc.
Get more details on this method and learn how to create a template for WordPress with Divine Elemente.
MUST KNOW: Divine Elemente doesn't rearrange your PSD with new elements assigned (done one-by-one on the canvas) after you publish your theme in the Publish Editor!!! It only saves grid block sizes (as slices in the PSD, removing the old ones) and all properties (resetting the old properties states)! If you want to use the already assigned elements, use the PSD hints method instead!
The "PSD hints" method can be useful for themes and templates' designers and developers who want to have a template with the already assigned elements or / and submit their templates to our Marketplace and not only there. Entering groups' names in a PSD, there is no necessity to assign elements one-by-one in this template at each launch of Divine Elemente.
More details on this method can be found in the PSD hints.
The "From Template" method is available in Divine Elemente only. It allows a beginner who may have no deep knowledge of Adobe Photoshop, HTML, CMS, and even Divine Elemente workflows to make several changes in a template in Adobe Photoshop and get a ready website or a blog for several minutes!
Get more details on this method and learn how to create WordPress themes.
Elements statusIn order to make the work of elements assignment even easier for a user, few statuses of elements have been created:
Elements status description
Assigned element is an element with graphics assigned from a PSD. It is displayed in browser in the same way as in a PSD. In general, all WP elements must be assigned in order website's theme displays correctly, but it's not compulsory.
Element with error - is an element that should be edited in a PSD to eliminate its error state. And it'll not be published. There is a reason for the error, and what should be corrected is shown in the `Properties` panel.
Element not added / not assigned - is a hidden or removed element. And it'll not be published.
You can also notice these icons in the Publish Editor / Layout Editor - their icons are self-explanatory, but here are their descriptions:
Icons used in the Publish Editor and their description
Types of elementsAs Divine Elemente plugin was created not only for HTML web pages publishing but for the publishing on various CMS, there are types of elements, which appear in Divine Elemente:
Types of elements: static element - for HTML, dynamic element - for a blog, etc. and style element - for the content's design in the blog, etc.
Static (HTML) elements can be usually added any time you want (for example, you can make even 100 links on the page). In the first place, they are necessary to fill a page with design and graphics as static elements will not be dynamically changed by CMS - e.g. 'Logo', 'Link', 'Text', 'Images', 'Social icons', etc.
Dynamic elements usually can be added just one time. Such website elements are used for interaction with a website visitor; good examples are a 'Blog post', 'Date', 'Author', etc. These elements often have optional unique properties.
Style elements can be added just one time. They are used to design HTML tags, such as H1-H6, which styles are used at page content's editing or presenting in dynamic elements - e.g. in blog post or comments.
Elements properties: common and uniqueAlmost all elements have common properties and several of them elements ('Date', 'Author', 'Comments', 'Frontend Label', 'Favicon', 'Billboard slides', 'Avatar') have also unique properties.
Unique elements properties.
More details on element's unique and common properties can be found in the Detailed elements properties.
Best PracticesDivine Elemente gives great possibilities of publishing on image formats, functionalities, etc., and following the simple standards of design in Adobe Photoshop, understanding browsers features, etc., you may achieve perfect results.
In order your theme looks qualitative, you are to take care of your PSD template's quality.
Simple advices on how to reach astonishing results with Divine Elemente can be found in the Best Practices.
Related Guides and Tutorials:
- Layout Editor
- Elements types: Date, Author and Comments
- Quick start guide
- Detailed Elements Properties
- Best practices
- Marketplace


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Experience the ease of hiring a professional musician from the comfort of your home. With a few clicks you can upload your file, share what you want, and receive a drum track tailored to fit your needs — all for an unbeatable price!
Remote Drum Tracking
Looking to record professional drum tracks, but don't have time to make it into the studio? In this digital age, there's almost nothing that can't be done remotely – and that includes recording professional drum tracks.
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The High Street Group plans to build a £106m private rented sector apartment scheme at the city centre site, bringing the gross development value of its portfolio to over £600m.
Located near The Mailbox retail complex and the planned HS2 rail link, the site sits in an area of Birmingham currently undergoing significant regeneration.
The scheme will create around 500 one, two and three bedroomed apartments and construction could begin later this year.
Group chairman Gary Forrest said: "Birmingham is a dynamic city currently undergoing significant regeneration and therefore it represents a great place to invest.
"Almost 17% of the UK population is renting privately and this figure is expected to grow significantly.
"In response, we are creating high-quality living spaces, like these in Birmingham, future-proofed through the use of the latest SMART technologies.
"There are communal relaxation facilities, where people can meet, form friendships and build new communities.
"This style of living is becoming the choice of young professionals and we anticipate increasing our investment levels by around £200 million per year for several years to come.
"Our developments offer extremely attractive investment opportunities for institutional and individual investors who can enjoy yields and capital growth in excess of seven percent per annum.
These are none volatile, high-quality assets offering attractive, long-term returns, which we can maximise for our partners."
The High Street Group already has other private rented schemes under construction.
The first is in Milton Keynes, where a £30m investment is creating a seven-storey facility containing 139 apartments.
Grainger, the UK's largest listed residential landlord has unconditionally agreed to forward fund and acquire this development.
The second is in Newcastle, where the £46m, 26-storey Hadrian's Tower will become the city's tallest building and provide 162 apartments.
With planning permission recently granted for a site in Salford, the start of work on the £26m, seven-storey, 127 apartment Middlewood Plaza is expected to commence this summer.
Other High Street Group projects include Cheshire Junction in Warrington – a £40m eight storey, 362 unit development and a £22m, eight storey, 142 unit development in Trafford, Manchester.
Including a ninth initiative under consideration in the North East, the group is either building, planning or considering PRS schemes totalling almost 3,000 units, representing a combined gross development value of over £600m.
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Bogotá - what can I say!? I'm still overwhelmed by its charme, by the beauty of many neighborhoods, by the environmental awareness, by the countless delightful little shops and vegetarian and vegan snack bars; and by the arts, the eclectic, outstanding, creative art that can be found everywhere.
|A short break at "Nativo Arte Natural" sampling their organic juices.
We did the standard touristy things, too. We went to the Museo del Banco de Bogotá where not only a vast number of Fernando Botero's work is on display, but also an excellent choice of international artists and colonial as well as contemporary Colombian art.
|Three ladies by national art icon Fernando Botero.
|Salvador Dalí: "The basket of bread"
|Beatrice González: "Decoración de interiores"
We strolled around the colonial government district, looked in every church and had traditional lunch.
|...and numberless school kids strolled, too. This group crossed our way on Plaza Bolívar.
|Colombia's national dish: "Bandeja Paisa" - consisting mainly of meat with meat, completed with saussage.
At the Gold Museum we enjoyed the special exhibition on the Kuna Indios' typical craft - the elaborated molas. The amount and variety of the museum's treasures inspired our souvenir shopping of gold plated replicas.
|Pre colombian treasures at the Museo del Oro.
|Till this day do the Kuna indios living in Panama at the border to Colombia handcraft their detailed and refined "Molas".
But what really impressed me the most was the people's creativity, the love for designing and decorating using all sort of usual and unusual material, very often recycled in a highly ingenious and innovative way.
|Entrance to the Callejon del Embudo grants access to an alley of beauty and awe.
Bogotá has a very active street art scene of many tremendously talented artists. To get a good insight in the history, development, philosophy, and political background, the free graffity tour is highly recommendable (it's free but of course based on tips). "J", born in Colombia, raised in New York City and Miami, now back to his roots (good for him!), guides tourist groups through the "barrio" and points out every detail in a very knowledgable and passionate way.
|Carlos Trilleras: "Aka Wayu"
|A more recent mural by Carlos Trilleras.
|Mimi with Carlos Trilleras in a shirt made by Carlos Trilleras at Carlos Trilleras' stand #302 at Mercado de Pulgas San Alejos.
One evening my friend Carolina, a Colombian journalist whom I met during my Italian studies in Milan last year, took us to the very trendy and posh El Salto del Angel restaurant. Besides yummy lulada cocktails and delicious cevice, the most exciting part seemed to be the presence of Carles Puyol. I hope you know who that is, because I didn't (now I've learned that he's a retired soccer player). Retired or not - people paid actually 20,000 pesos (the equivalent of approximately 7$) to get in and get their picture taken with him; and we're talking 'bout grown ups here...
Isn't it cool, when you are genuinely cool instead of playing cool?! Let me tell you, not having a clue who the 'celebrity' is they are making this fuss about, helps a lot!
|A large glass of "Lulada", whose name derives from the local Andes fruit lulo, and a wide range of further drink options.
Talking 'bout cool: I didn't expect Bogotá to be so cool - and I didn't expect Bogotá to be so cold, either. Since I packed for hot South American weather, I had to spend four days now in the same worn and torn pair of jeans and a faded (once dark) blue Old Navy hoodie. Next to all this beautiful, hip youngsters this made me feel like a poor peasant coming to town.
Next time, Bogotá, I promise to dress up for you; you definitely deserve it.
Did I inspire you? Planning on going to Colombia?
Get detailed information on the most interesting destinations that I've travelled bye:myself.


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JB Academy
CBSE Affl. No. 2130083
Vacancies For
For English, Maths, Comp. Science
Qualification: Trained Graduate in the subject.
Industry: Education / Training
Functional Area: Teaching / Training
Location: Faizabad (Uttar Pradesh,India)
Salary: Rs. 44,000/-
CPF, Gratuity and Mediclaim Facility.
Test & Interview: Sunday, 24th February, 2019 at 08.00 am
Candidates with student friendly pedagogy will be preferred.
Fluency in written and spoken English is compulsory.
Only shortlisted candidates will be called for test/ interview.
Outstation candidates will be paid one way II Sleeper/ Bus fare.
Last Date to apply - 15.02.2019


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Alfred A. Knopf
I'm So Glad the World Didn't End
It's 3:3o in the afternoon on December 21, 2012, the day the world was supposed to end. The sun is shining, my dogs are sleeping nearby and I just ate a piece of dark chocolate. All is well.
Not just well, but good.
Really good. Here's why:
Yesterday came the official announcement that my agent sold my YA thriller, ANOTHER HERE, ANOTHER NOW, to Knopf in a two-book deal!
Book one will be released in the fall of 2014, with book two following close behind.
Can I just say: it would have totally sucked to celebrate such an announcement and then have flaming comets fall from the sky.
So, it's been quite a journey getting to this point – and I'm sure the journey is really just starting – but there are a number of people I need to thank.
First of all, thanks to my husband who listened to me whine for years on end that I wanted to be a writer, and who would always respond with, "Well, then write something." He has always encouraged me, always supported me, always given me time to write and always kicked me in the pants when I got mopey. Thanks also to my kids who listened to their dad when he said, "Leave mom alone. She's writing."
Second, thanks to the friends who supported and encouraged me along the way, some of whom even suffered through my early drafts (ugh!). Among them: Stephen and Amy M., my writing/support group; Jim Sallis, my mentor and friend; Dana, Karen, Nannette, Heather, Amy S., Sara, Kim, James, Doc, the Ghuls, the SCBWI lobby gang (and Jeff for those last-minute fruit chews)… The list could go on and on. I am blessed to have so many awesome people in my life.
And finally, to the best agent EVER, Quinlan Lee of Adams Literary, and to Katherine Harrison, my editor at Knopf, who I am so excited to be working with! Thank you for believing in my story and having faith in my abilities. I can't wait to see where we take these books!
This is all starting to sound like an Oscar acceptance speech or something equally as awkward, so I'm going to get my feet back on the ground, have another piece of chocolate and enjoy this beautiful day. I hope you all enjoy it, too. Because it's good. Really good.


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I've probably mentioned before that I keep a set of pruners in the car. I am a teacher of students with visual impairments, and cover a large geographic area here in beautiful southwest Nova Scotia. It's a job that I love, since there's always something new to learn, new people to work with, and I get to drive through all kinds of beautiful places. (Follow my Instagram to see more - I sometimes post pictures of my travels.) For one of my drives, I get to take a ferry to beautiful Long Island! On that drive late last week, I spied a huge stand of lilacs in the ditch at the edge of what was probably a homestead many, many years ago - weeds and evergreens had grown up all around them, so I didn't think they would be missed. It took a bit of effort, but I clipped a few and brought them home, riding in style in my water bottle.
I don't usually post much about my work, but I've been asked about it by a few people lately, and it is what I spend a whole lot of time doing - so here's the scoop. I work with students from birth-21 who have been diagnosed with visual impairments. Many of them have additional disabilities, and there's a huge variation in how they see - no two students see the same way. We do preschool and home visits with the youngest ones, and work with school teams with school-aged kids to help them understand how their student sees and the adaptations they need. I teach braille, cane travel, adaptive technology, independent living skills, compensatory skills, and lots of other things, too. We also provide the technology that students need to access the curriculum - my job is essentially to help my students access what they miss because of their vision loss. I work within two school boards, in French and English. I'm a trained elementary teacher, with my master's degree in the education of students with visual impairment. No two days are the same, and that's one of the things that I love most about the job. It's also one of the challenges, as schedules change constantly. And since I'm the only one doing my job in my area, it can definitely be isolating and sometimes lonely. I have the very best colleagues - it's a fantastic group of teachers who work all over the Atlantic Provinces, and it's always so, so good when we get together for meetings. Just to have people who speak the same language, you know? And I'll be seeing many of my peeps who work here in NS this week! I'm looking forward to it.
While I'm on the topic of work, Adam is a wedding and portrait photographer, and his business is home-based. He does photography on location (no studio) and we've had more than one family here to have their pictures done. He does beautiful, beautiful work. When he's not out and about, he's in this office chair and editing pictures while Heidi (the cat) supervises. He's also the one who picks up the boys after school, packs their lunches, and generally keeps the ship afloat. And he takes care of countless other things, too. It's such a good setup for us - it just works. Heidi likes her job, too.


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Iran's Defense Minister: Iraq Ties Unaffected by Foreign Interference
TEHRAN (Press Shia) – The strong and deep-rooted relations between Iran and Iraq will not be influenced by mischievous interference from outsiders, Iranian Defense Minister Brigadier General Amir Hatami said.
Speaking to reporters at the conclusion of a visit to Iraq on Saturday, General Hatami said the strong cultural, religious and historical links have led to close cooperation between Iran and Iraq.
He also underlined that such deep-rooted relations between the brotherly neighbors would by no means be affected by "interfering mischief" by foreign parties.
As regards the results of his trip to Iraq, the Iranian defense minister said a high-level meeting of Iran-Iraq defense cooperation commission achieved its purposes.
He also highlighted the results of a four-party meeting of military and intelligence officials from Iran, Russia, Syria and Iraq, stressing the need for continued cooperation among the four countries that contributed to stability and security in Iraq and the region.
Heading a high-ranking delegation, Brigadier General Hatami had started his trip to Iraq on April 18 for talks on defense ties with the Arab country.
In July 2017, defense ministries of the two countries signed an agreement to promote interaction and share experiences in the fight against terrorism and extremism, work together to ensure border security, and provide each other with training and logistical, technical and military support.


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Firefighter - The job title and role seems simple enough to understand. What is not usually comprehended is the spectrum of environments which are worked in, which are often chaotic and distressing but also frequently bizarre and often humorous, with no rules as to when or which one you'll find yourself in.
The idea behind this project wasn't just to illustrate this spectrum and its sporadic nature, but to illustrate the people working and responding to it, hence the title, 'Firefighters'.
I work as a full time firefighter in the London Fire Brigade and felt after almost ten years, I had a clear understanding of what I wanted to show in humanising the job.
It was extremely difficult and time consuming to get permission from management to carry out the project. With the staff shortage, I also had the major restriction of having to remain operational whilst making the pictures, which I naively thought wouldn't become too much of an issue.
In the end it was. Maintaining professionalism as a firefighter was always going to take priority and so my camera was seldomly lifted at operational incidents, a vital aspect of the project.
It dragged on as I tried my best to fill in the gaps but I knew I was failing to meet my overall premise.
With no realistic and foreseeable solution, I finished.
I've chosen to highlight this work here for positive reasons however. Over the 6 months or so I was making this project, I learned invaluable lessons; from researching, and pitching ideas in boardrooms, to finding my own ways to create genuine trust in environments where people are often hostile or suspicious to people with cameras.
I also believe that I've made enough to shed new light on the people in this profession and illustrate the realities of some of the environments they work in. For this reason I am currently attempting to get a wider audience for this project, after all, to paraphrase David Hurn, "photographers shouldn't put pictures in a box under a their beds and be the only ones to see them."


text: Lexington Senior Photographer | Carrie Wilson Photography Chase- Mount Sterling Ky Senior Session SeniorsCarrie WilsonMarch 16, 2015Carrie Wilson PhotographyCarrie Wilson Photography, Senior Portraits Mount Sterling, Senior pictures lexington, senior pictures winchester ky, Mt. Sterling Senior Pictures, Mt. Sterling Senior Photography, Lexington Senior Pictures, Lexington Senior PhotographyComment Facebook0 Twitter LinkedIn0 0 Likes


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Lil Bums Cloth Diaper Review *Lil Bums sent me 2 diapers for review purposes. All opinions are my own.* I love cloth diapers. I don't know if it's an addiction or what, but I just can't help collecting the cutest diaper designs around. But I can tell you there are some high quality cloth diapers […]
Lil Bums Cloth Diapers
Ecocentric Mom Subscription Box
Ecofriendly Baby Products I received an EcoCentric Mom box to review. Opinions are mine. As moms we all want the best for our babies. For myself, I like to use natural products with my children. There are so many brands out there that it can be hard to know where to start.
16 Minute Club Breastfeeding Sample Box
Breastfeeding Tips and Products Becoming a new mom can be overwhelming. And one area where many moms have difficulty is with breastfeeding. Without proper information and support, it can be difficult, even though nothing is more natural!
Boba Wrap Newborn Carrier
Boba Wrap–Great for Baby Wearing! Even though I just had my third baby (who is now a month old, believe it or not!) I didn't have a carrier I felt was appropriate for "wearing" a newborn. Baby wearing was not something I really thought about until my son (now 2 1/2) was going into toddlerhood […]
Live Clean Natural Soap for Baby
In my journey to become more "green" and use natural products, I am gradually weeding out commercial personal care products. I am especially conscious of using natural products on my children. If you are looking for a natural soap for baby there are several options available.
Bambo Natural Diapers
I try to use cloth diapers on my son at home most of the time. I'm one of those "semi-cloth" people that uses cloth at home, during the day. When I go out and at home overnight, I switch to disposables. But most disposables come with extra stuff we don't want on our babies' […]
Family on the Go Pack from Babo Botanicals
I've been leaning away from using mainstream personal care products, especially on my kids. I prefer to use more natural baby products that are free of all the nasty chemicals found in many brands of baby wash and children's shampoo.


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My Mystery Box Creation – Please VOTE!
Recently, I had the wonderful opportunity to create using a Mystery Box sent to me from DecoArt. Myself and 8 other awesome artists where challenged to create with everything in the box (a crate shadow box, 5 paint colors and matte decoupage). Now we have the opportunity to win a $150 gift certificate! Woohoo! However, … [Read more…]


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The Internet of Things (IoT) can exist with conventional microcontrollers and SoCs, but issues such as low power requirements and wireless support have pushed development of platforms designed for IoT applications. Hardware security support is now a requirement and forthcoming ARMv8-M microcontrollers will be the new benchmark for security (see "New ARM v8 Architecture for
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