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CHANGES IN MONETARY POLICY AFTER THE CRISIS - TOWARDS PREVENTING BANKING SECTOR INSTABILITYDownload This Article
Aleksandra Szunke
The instability of the banking sector has become the subject of wider scientific research during the global financial crisis. The financial crisis of the first decade of the twenty-first century began in the U.S. subprime mortgage market and quickly spread to the whole banking sector in the United States as well as in many countries of the global economy. Among five major American investment banks - Lehman Brothers went bankrupt, Bear Stearns and Merrill Lynch were taken over by other banks, and Goldman Sachs and Morgan Stanley were transformed into commercial banks, which were covered by the supervision and regulations of the central bank - the Federal Reserve System. The consequences of the global financial crisis also affected British banks, including The Royal Bank of Scotland, Lloyds Bank, Halifax, Abbey Bank, Barclays Bank and NBC Bank. In Iceland, during the global financial crisis which affected the Icelandic banking sector, three largest banks: Glitnir Bank, Landsbanki and Kauphting were nationalized, which means that the control was taken over by their government. It has caused, that reflections and scientific research on financial stability were replaced by the study of instability in particular in relation to the banking sector. The main aim of the study is to identify the general framework of the response system of central banks on the phenomenon of banking sector instability, in the context of preventing it in a long term. Current - the traditional system proved to be ineffective, because it did not prevent the spread of the factors that led to the destabilization of the banking market.
Keywords: Monetary Policy, Crisis, Banking Sector, Instability
How to cite this paper: Szunke, A. (2014). Changes in monetary policy after the crisis - towards preventing banking sector instability. [Conference issue]. Corporate Ownership & Control, 11(3-2), 470-476. http://doi.org/10.22495/cocv11i3conf2p8


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Sunday, December 20, 2015
The Empire Strikes Back (1980) Review
The Empire Strikes Back is a masterpiece and in my opinion, the real reason why the series became a cultural phenomenon. Whilst the first movie was a wonderful adventure film that tingled many filmgoers' imaginations, this one is a work of art and takes the whole franchise to a completely new level.
Here, we see that fun, imaginative world expanded. Instead of just a clear-cut journey from one place to another and an explosive finale at the end, our heroes are separated and hunted down like animals by the increasingly obsessed Darth Vader, whose attentions have turned on young Luke Skywalker. The heroes are caught off guard and have to survive and escape for the majority of the movie instead of fighting.
Luke, whose training was cut short, is sent by the ghost of Ben Kenobi to the murky, swampy planet of Dagobah with R2 to meet Master Yoda, an 800-year(or more) old Jedi in exile. There, Yoda puts him to through multiple mindbending tests to determine whether he really has it in him to defeat Vader and the Emperor. Meanwhile, Leia, C-3PO, Han and Chewie are relentlessly pursued by the Imperial fleet as their hyperdrive is damaged and have to conceal themselves within an asteroid field. As time passes, Leia and Han develop their budding relationship.
It's the intricacy of the plot that really makes this movie for me. This isn't a jazzed up 70s sci-fi flick anymore, this is the very reason why Star Wars is described by Wikipedia as a space opera. It's a deep, thoughtful film and manages to build a proper mythology for the series. Not backstory, mythology. The previously fantastic element of the Force becomes by something different, something deeper. I don't know what to call it, but when Yoda spoke of the Force surrounding us, I could almost feel it myself. It wasn't just telekinesis anymore, it was all-encompassing, like God. Perhaps that's what the Force is... God's influence. Perhaps the Jedi and the Sith are like angels, chosen by the Force to bring justice to the galaxy. Some choose good, some choose evil.
The friendship of Han, Leia and Luke has become a strong, deeply-rooted family between the two films and you can see they've been together long enough to develop a symmetrical relationship, with jokes and meanings that nobody else is likely to get. And before you ask, I'm not counting Chewbacca since that would also mean counting C-3PO and R2-D2 and they haven't really changed since the previous film and are not emotionally tethered to the plot. They're important to the team, but as backup players.
Mark Hamill has improved considerably as Luke Skywalker, who now has a position of authority in the Rebel Alliance. Though he still has his cockiness(which Yoda comments on), he is clearly an adult and doesn't face Vader out of recklessness, but out of personal dedication to his friends over the Force.
Harrison Ford as Han Solo is great. Whilst his macho behaviour towards Leia can be cringeworthy, it makes the scenes where we see his real feelings all the more meaningful and beautiful. I also love how he's sort of a mentor to Luke in addition to being his best friend, a continuation of his offer to Luke at the end of Star Wars to come and join him on the Millennium Falcon.
Carrie Fisher's Princess Leia might be the only returning character I didn't entirely enjoy. In the last movie, we see her as a strong, competent and slightly posh politician and sparks flew between her and Solo almost instantly(also with Luke, but... you know). I liked the way she could suddenly pull the carpet from beneath Han's legs, yet appreciate his ways when things got tough. Here, however, it feels more like Sean Connery and any old Bond girl. She's not tough and independent, she's "tough and independent", but Solo's obviously gonna get the girl. Yes, the scene where Han is frozen in carbonite is heartbreaking and I wish we had more of that romance, but Han's actual wooing her is just sort of creepy.
I also hate how she completely refuses to listen to Lando's side of the story and immediately treats him as a traitor when it's obvious that Lando was only doing what was best for his people and was facing freaking Darth Vader!
Speaking of the former, this is Billy Dee Williams's debut as Lando Calrissian and wow, he was never this annoying when I was a kid. Seriously, he's like Han, but without Ford's subtlety, just constantly showing off and wearing every emotion on his sleeve. His looks to Leia... eugh. Also, his first lines("Why, you...") were badly written, true, but the delivery was equally bad. I don't know if I've just outgrown him or what. As a kid, he was cool and suave and he still is likable, but... he's just really bad. Sorry.
James Earl Jones returns as Darth Vader and boy, does he get menacing. In the previous film, Vader was a cool villain, kind of like General Grievous in Revenge Of The Sith later, but here he turns downright terrifying, particularly in his iconic confrontation with Luke Skywalker in the carbonite chamber. He only has two modes of fighting: disinterested and furious as hell. At first he toys with Luke, learning about him, tiring him(NOTE: I spent over half a day trying to figure out the word for "entertaining to buy time" and I still can't bloody do it) and then when Luke starts becoming even a slightest threat, completely rams him with attacks until he is beaten, bringing Obi-Wan's and Yoda's fears into reality. And then that reveal... I've seen it before, I've known it since childhood and it gave me such chills...
Frank Oz is magnificient as Yoda. It's actually quite funny how different he is in this film from how the public has come to perceive him. In his original incarnation, Yoda is not an intelligent, old, constantly frowning Jedi Master who likes to tell other people how they feel, but more like an eccentric mr. Miyagi. He's cranky, weird and in a way, tired. You can see he's lost so much that the Force is the only companion he has left. So when Luke shows up, he doesn't take any of his crap and only trains him at Obi-Wan's request, even though he's supposedly their number one chance of beating the Emperor.
Speaking of the devil, we also briefly see the Emperor in this movie in a perfect introduction scene where he calmly discusses his plans with Vader. It's a quiet and mysterious scene and a terrific counterpart to the Luke/Yoda scenes. Clive Revill and Elaine Baker make one hell of an impression and their portrayal of the Emperor is one of a subtle holographic cloud of malevolence, looking down on Vader with taunting, monkey eyes. As much as I adore Ian McDiarmid's portrayal in the other movies, I kind of wish we'd have seen more of him.
Whilst John Williams always composes a cool, dynamic, yet memorable score for every movie, likely none of them are as well-remembered and brilliant as the Darth Vader theme, the Imperial March. It's a masterpiece within a masterpiece, a haunting, dark and brutal piece of music that fits the character to a tee.
The special effects in this movie obviously prosper from having a significantly increased budget thanks to the popularity of the first one. There's still a few moments where you go "ohhh, that really doesn't look good now." such as the Wampa scene(one of the few really good Special Edition changes) and the AT-AT walkers done with stopmotion animation.
But there's no denying that on a visual level, the movie looks glorious. The sets are magnificiently thought out, semi-surreal and colorcoded, making them just futuristic and memorable enough to work. Balance is the key here and this film has it down pat. The environments seen in this film are alive, each with their own soul and atmosphere.
All in all, the film is, as Obi-Wan would stay Star Wars's first step into a larger world and one of the most classic blockbusters of all time.
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Could it be? Central Florida comedy punk metal legends, Dead Serios are going to record a new album? That would be a quadruple badass surgery on my senses. That would make my year! My favorite band of all time coming (once again) out of retirement to show everyone how its done! This needs to happen!
Bear with me for a moment. Let me reminisce for a moment! I remember my long time best friend at one of their shows in the 90's, during their hit song 'Lawn Care Studs' going, and grabbing a REAL lawnmower, firing it up, and moshing around the pit with it as lead singer, DL Serios led the pit with his sacrificial Playschool lawnmower. I remember seeing 1500 people pack out the Power Station in Melbourne Florida to see the band open for a national touring act, and half the audience leaving after their set, leaving the national band wondering where half the crowd went.
Dead Serios was the band that every local band wanted to be. They were loud, obnoxious, funny, and extremely talented, and EVERYONE loved them, and still does. You couldn't see them in concert for the first time and not love them. DL Serios is one of the greatest frontmen to ever step on the stage. Bassist, Joe Delcorvo is among the skill set of Steve Harris. Guitarist, Doug Gibson is an upper echelon shredder, who could easily match up with some of the worldwide greats. Drummer, Scooter Greenbud is one of the best drummers in Central Florida, and could fill in for any national band. So, am I excited about this possibility? You betcha!
Anyway, here's the story. Record label, Ghoul Tone Records, who released the Dead Serios tribute album in 2015 has contacted the band, asking them to record a new album. They are also re-releasing the entire Dead Serios catalog, completely remastered! SWEET! And, I was just thinking about asking DL for a bunch of the classic songs on MP3. So, I'm stoked. Now, I'll be able to get ALL of them! And, you will too. Now, we just have to convince the band to play more shows. We all need this. We need the standard setter for local bands back in action. Central Florida needs it. If the band can win enough new fans, we would have packed local shows again.
|We NEED this!
Almost as much as we need Ozzy!
So, at this point, all we can do is hope. We'll probably get a new album, and the remastered catalog. But, in the meantime, here is the original version of the Dead Serios classic, Ranks of the Unemployed. Enjoy!
Yes, I'm a giddy little fangirl over the POSSIBILITY of a Dead Serios reunion.


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True. American. Metal. Powered by the mythos of Thor, these "street vikings" in DEADIRON collect and reassemble elements of Classic, Thrash, Folk, Hardcore, Melodic, Power. DEADIRON represents a return and re-imagination of classic heavy metal with the crushing gain and aggression of the modern.
Born on the storm-battered industrial-wasteland of Lake Eries shores, Cleveland metal titans Deadiron find themselves on the precipice of change. Since their inception in 2010, the five-piece endured struggles that would have broken many. Dire economic conditions, line-up changes, and a political climate rife with tension have torn apart many a band, but those elements only forged members Alexander Van Ness, Tyler Harvey, J Bennett, Thomas Walling, and Kenny Streza into a unit bound and determined for musical domination. Those caustic ingredients, married with the varied music influences and shared discipline of the quintet, have given birth to Deadirons signature sound: a thunderous blend of hope and ferocity as melodic as it is pummeling. Charging down a path the likes of which only they can tread, Deadiron stands poised to lay siege to the music scene wherever their banner will sail.
Written By: Deadiron
Born in a trailer park in Cleveland's east side
From the first day of birth, he'd wished he'd died
His father fought in Vietnam, wished his son a better life
Give the kid a comic book, said heroes conquer strife
Hey kid, you've always been the underdog
Yet you walk on, in spite of it all
Through all the pain, the suffering and woe
Just like a comic book hero
Kid grew into a man on the streets that are so cold
Bottle was his only friend, left him worn and old
Women and love are not real life so the kid tried suicide
Somehow before the end, he found a reason not to die
Hey kid, you've always been the underdog
Yet you walk on, in spite of it all
Through all the pain, the suffering and woe
Just like a comic book hero
Kid's always down to fight when honor's on the line
Never did see him cry till the day his father died
Somehow he finds the will to always carry on
When the night is cold and dark you can hear him hum this song
Hey kid, you've always been the underdog
Yet you walk on, in spite of it all
Through all the pain, the suffering and woe
Just like a comic book hero
On the Line
Written By: Deadiron
On the line
Hours inch by,
years gone,
time passes by,
You try, reply,
but you can't remember now why.
As the winter months come,
and you see your work done,
not enough can be saved,
work your bones to the grave,
Can you still provide,
for a family who tried,
the hours you slave
for a poor man's worst trade
Your back's to the wall,
will you stand will you fall,
this is your time
Now - arise
Their news fed you lies,
that eveything's fine,
your wage is your worth,
their reign is unearthed!
No more will we cower,
this is the hour,
we'll suffer no more,
you're the face of the poor
Rise now stand tall,
will you stand will you fall
This is the call, on the line - stand tall
Work for yourself, not anyone else,
let labor be that,
to bring joy and wealth back,
don't bite on the line,
that pay is worth time,
when life has elapsed.
Under the Midnight Stars
Written By: Deadiron
We set out on the road to find out what it holds...test the fabric of our souls and to realize
We planned for distant goals, couldn't wait to go but the feeling inside it was volatile
We set out from our home determination grown believing infinity was possible
Learning as we roam, from the river's undertow to swim with the flow of the waters
Under the midnight stars of California's desert
Pondering paths so far - they seem forever
Making tomorrow ours
the scars of yesterday will guide us through the unknown
and we never plan to stop
We dream of a better day, of the old ways back home
we seem only to let them fade into memories long gone
These dreams will slip away they are here today, then they're gone
we seem only to let them fade into memories long gone
On mountains afar...we're forgetting who we are the altitude helps us see farther
The watershed of life, dividing like a knife, separates the past from the future
We're speeding afar and fast, no we're never turning back - our dreams are becoming reality
We're never going home - forever on our own
But we'll never forget where we came from
Under the midnight clouds of Cuyahoga weather
Honor our friends so proud - they stand together
Making tomorrow ours ,the dreams of yesterday
will guide us through the unknown
and we never plan to stop
Every one of us in this town looks for a way out
Something to change the hopelessness and doubt
All roads have a gutter that looks to the sky
I never knew that more then on the day you died
And at your wake
I remembered that long drive
We had a dream
You're gone yet I still thrive
Turk's Song
Written By: Deadiron
Turk's Song
Turk was a thug at sixteen
Wouldn't listen to anybody
He gives his all, day to day
Ran with the older boot boys
Rumbling the blocks and bar fight
Boots and braces make the might
Turk was a skinhead
Never knew what lay ahead
Uncertainty and drunken dread
If he stayed in town, he'd wind up dead
Turk had a way with them hooks
Ran through broads like crooks
Always alone on the inside
Late nights and fist fights starting
Skank shows and Mosh pits starting
Till She walked in and stole his Heart
Turk had a skinned head
Never knew what lay ahead
Uncertainty and drunken dread
If he stayed in town, he'd wind up dead
Turk joined the USMC to fight for love and county
Thought he'd buy a ring with his pay
but things don't work out some days
A tour is a long time to be away
The Letter came on Monday
Gunny called out Turks name
He never said quite what is contained
Turk read it slowly and walked away
He just read is slowly and walked away
Last time I saw Chris come home
The young man I'd known was grown
With jaw set firm and soldiers eyes
I asked him how he'd been
Said he was fine just living
Said pain has a way to make you wise
And they called him Turk
Stand Alone
Written By: Deadiron
Stand Alone
You claim to be a man of honor; that's not who you are
You'r e not true. The man you say you are, is not you.
Pack mentality, ten on one to fight a single guy
You let me down. You're a failure in my eyes.
Stand Alone
Take back my home
Said you were down
Where are you now?
Brotherhood, I thought we were something men should be.
Now I see, what you were was nothing like me.
I never changed, I started this to do something brave.
To stand true, defend my neighborhood, my friends, and you.
Stand Alone
Take back my home
Said you were down
Where are you now?
Now, I'm still here
growing stronger every day.
and where are you,
you faded away.
You said I changed,
I'm still the same.
A warrior,
you only claimed.
I will guard to the end,
these streets are my home
I will stand here on my own.
Remember there were those who needed us
We had a job to do the work that's rough.
What are you? Mindless thugs who think you're tough.
Cowards! Alone, I stand up.
Stand Alone
Take back my home
Said you were down
Where are you now?
Out of the Rust and Ruin - (LP)(2012)
Underdog - (2012 Single)
Deadiron - (3 Song Demo)
Set List
30, 45, 60, 90 minute set lists. Songs contain zero profanity and can be performed "clean".


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Hi krissy, I think the self portrait in the glass could be carefully set up to capture a models face in there or maybe your own without a camera in front of it, or any other subject you would prefer. I also think it would improve the shot to control some of the brightness outside the glass. I am glad your havin fun with it.
That's the only way to learn, Krissy.
Hi James, thanks for the great idea of putting something else in the reflection ~ I'll have to look into that!
I still don't know how to edit images, these are straight from the camera with no changes. I got a photo editing program last week, but I still need to install it! That should be another adventure!


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World of Diving - 15: Ponies ahoy!
Submitted by diving_admin on Tue, 07/01/2014 - 13:20
48 users have voted.
Dear explorers of the world! This update is one many of you have waited on for a long time. We're super proud to announce that the HMS Tranquility, better known as Sgt_Brony's shipwreck, is now available to explore in World of Diving: Stage 0. Ponies ahoy! For those of you who are not familiar with Sgt_Brony's story, we'll briefly explain here. Sgt_Brony joined us as a backer all the way in the beginning, when World of Diving was little more than a prototype that we aimed to find funding for through the Indiegogo crowdfunding platform. Back then as well as now, one of the top perks included the creation of your own custom shipwreck to be implemented in the final game, and Sgt_Brony grabbed the opportunity to give life to his wildest imagination ... A beautiful intact shipwreck in the subtropics, inspired by the popular animated series about ponies. The live result can be viewed in this new teaser video we released today: Community-driven development Courtesy of Sgt_Brony, the entire community was sourced for their ideas on his HMS Tranquility: from setting and back-story to design and realism. Many pitched in, leading to a heated discussion about realism in videogames in general and World of Diving in specific. While some feared that a Brony shipwreck might lead the game onto a slippery slope into fantasyland, others argued that videogames are made to enable the impossible, and that with our advanced technology, even in the real world the edges of realism and fantasy are starting to blur. "The true realism of this game is that 'We Don't Know' all that is beneath the water and the mysteries it holds," said Sgt_Brony. "What I'm having designed here is a fun, creative ship to dive and explore that's so far out of the norm that you just can't stop (...) going back to it every time you log on to play just because of its oddity." Read all about the community-driven development of Sgt_Brony's shipwreck at divegame.net/forums and check out some in-progress images below: What are you waiting for? Check out the new and improved World of Diving: Stage One early access build and explore the all-new dive site for yourself. Apart from this, the current updated version also includes various performance optimizations, much anticipated fast swim options, new daily missions, and more. More pony footage! For those of you who are hungry for even more footage of the end result, below you will find a couple of screenshots of the HMS Transquility as it can be found in the subtropics in World of Diving: Stage 0 right now. Make sure to go have a look for yourselves if you can, we did an amazing job together! As usual, don't forget to share your thoughts on all this on the forums and see you in the water. - The Vertigo Games Team
World of Diving Developer


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I don't read much fiction because honestly when I find a good book, I forget all else, including meal times! But a friend of mine recently gave me some of her favorite books by three different authors. I watched Beverly Lewis' movie "The Shunning" on Netflix and enjoyed it, so was excited to read my first book written by her!
I read The Postcard all day Saturday and thankfully my wonderful husband was home to help with the kids!!! I curled up on the couch and read for hours, finishing it in one day! Oh the Amish was a lovely little world to escape to! I started the sequel but am pacing myself with that one! LOL!
So if you're looking for a good book in the Christian fiction genre, I definitely recommend this one!!! And if you live nearby, I'll pass these on to ya when I'm done!


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There is a wealth of blogging talent in Scotland but unlike Susanne not all of them blog about our beautiful country. It is great to see someone blogging about all the wonderful things you can do here. Adventures around Scotland is a fantastic travel blog which is bound to give lots of motivation for fellow Scots to explore more as well as inspiration for people from further away to come and visit.
Hi Susanne, thanks for agreeing to be interviewed by us. For people who may never have read your blog before can you give us a quick summary?
Quite simply it is a travel blog specialising in Scotland. I am trying to find the best and most memorable experiences that our country has to offer and inspire locals and visitors to explore places they may not have thought about before.
How long have you been blogging and why did you start 'Adventures around Scotland'?
I have only been blogging since February this year so it is still quite new and a work in progress!
I started it because I enjoy reading travel blogs myself and find them really useful and inspiring when I'm planning a trip. I realised that there are not many tourism sites for Scotland that provide ideas for unique travel experiences or information about places and attractions other than the typical list of tourist haunts. I hope that I can not only give readers an original and practical personal travel guide but also tell them about the hidden gems.
You look like you've traveled widely round Scotland- can you suggest some hidden gems to our readers?
I always say Dumfries and Galloway as not many people think of it as a holiday choice yet it has a lot of diversity and history. I really love Galloway Forest Park with it's dark sky status which makes it a great place to visit and camp out under the stars! I'll be heading back there in a couple of weeks so expect some new travel ideas from the area.
The Isle of Bute where I now live is also one of the most accessible Scottish islands to visit yet most people head to places like Arran, Mull or Islay instead. I have wrote a few articles about Bute as I really believe it offers something for everyone and would really encourage people to take the short ferry ride and discover it's natural beauty and tranquility for yourself.
I am constantly finding hidden gems and that is one of the reasons I started my blog and I'm sure as I explore more of Scotland my list will get longer!
One of the biggest difficulties our readers might see in having a travel blog is not traveling enough to have content- how do you feel inspire to blog if you are feeling 'stuck' at home?
When I can't travel I write from memory or explore what's on my doorstep. Everyone has favourite views, great holiday memories, beaches they head to when the sun is out that they can write about from experience. Your own area or city may be familiar to you, however the local knowledge you have will be invaluable to a visitor so think about what information and recommendations you would look for if you were a stranger in town.
We loved your blog post about the 'Launch Night of The Kelpies' but do you have a favourite blog post or a treasured memory from your travels?
I must admit I love The Kelpies and the opening night has been one of my highlights of 2014,I plan to visit them again soon to take a tour inside so expect more photos!
My treasured memory from travelling around Scotland was hiring a motor cruiser to sail down the Caledonian Canal several years ago. It rained most days, there were plagues of midges, Loch Ness was really choppy and I was useless at throwing the rope to the lock keepers but it felt like a real adventure and when the sun came out there was something magical about bobbing along at a slow pace and having the freedom to travel and stop where the notion took you. Now I'm blogging I would love to try something like that again and write all about it.
As you would expect from any blog about Scotland you have lots of beautiful landscape photography- do you have any tips for our readers about taking these kind of shots?
I have always been interested in photography and though I'm not a professional I have done a couple of short leisure courses at college which have really helped with understanding light, composition and camera controls. There are distance learning courses if you can't attend college which are also really useful.
My biggest tip is to practice with your camera and take your time. The great thing about photographing a landscape is that it doesn't move and you have time to think about what elements to include in your image. Before you even get your camera out, really look and enjoy the scenery then think about what makes it special and try and capture that in your shot.
One last thing; what advice would you give to someone wanting to make the change to travel posts? Do you have any tips from experience when you first started blogging?
It may seem obvious but it is essential that you actually travel regularly as there is no point writing a travel blog and then not actually going anywhere or travelling so infrequently that there are months between posts!
Follow travel bloggers that you like and relate to and see what types of posts they focus on and which ones are popular. Read travel magazines like National Geographic and Lonely Planet to see how the professional travel writers do it. Decide on your own style and type of traveller you are aiming to attract and try out a few ideas to see what gets the best reaction.
Follow travel bloggers that you like and relate to and see what types of posts they focus on and which ones are popular. Read travel magazines like National Geographic and Lonely Planet to see how the professional travel writers do it. Decide on your own style and type of traveller you are aiming to attract and try out a few ideas to see what gets the best reaction.
My biggest tip is to specialise as there are ALOT of travel bloggers out there and many of them are churning out the same old generic advice or writing mediocre non informative posts. The ones that really stand out are those that either focus on a particular area and become 'experts' or are great storytellers. To me a good travel blogger should inspire you, if you're passionate about the subject then it will come through in your blogging.


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Craftsman Style Home in Cumberland, British Columbia
# Bath
# Bed
2564 Kendal Ave Cumberland BC
This one year old, custom designed MHH home was built using high quality, locally sourced products, from the 10? x 12? Douglas fir timber beams showcased throughout the lower level, to the cedar cove siding and shingles that wrap the exterior. The interior was designed to make use of as much space as possible, including built in shelving and storage and open concept living downstairs. The hand framed roof sets the stage for a classic heritage feel complete with a 12/12 roof pitch.
Interior Features
- 10? x 12? local Douglas fir beams with custom fabricated ½"
- steel connections and clamps
- Wide plank Fir floor
- 9' ceilings on both levels
- Built in shelving and storage
- Rinnai Tankless hot water
- American Standard 3ton Heat pump
- Ensuite featuring floating Timber shelves and rain water shower head
Exterior Features
- Local 10? x 10? Douglas Fir posts and accents
- Local Cedar cove siding (15 year paint warranty)
- 35 year Malarkey roof, with ridge venting
- Built with fir plywood throughout (no OSB or melamine)
- Drive through garage/workshop for easy access to back yard
- Covered Patio and Second Floor Deck
- Beautifully landscaped yard complete with fire pit and gardens
Contact me, by email to set up your private viewing today
Type: Houses for sale
City: Cumberland
Category: Houses for sale
Houses for sale in British Columbia
View similar ads: Houses for sale, Houses for sale in British Columbia


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This wonderful sprawling 'L Shaped' Ranch has updates galore and so much to offer. 4 Bedrooms 2.5 Baths and over 1400 additional square feet in the finished walk-out basement. Upper level boasts spacious entry leading to generous sized living room and dining room. Delight in the young custom kitchen featuring oak cabinetry with built-ins galore. Full size refrigerator & freezer. Convection oven, garbage disposal and much more. Spectacular family room with romantic fireplace and sliders to glorious enclosed patio (27' x 12' approx) for your pleasure. Manicured fenced backyard with relaxing swing and outdoor patio for your barbeques. Master Bedroom boasts custom built-in wardrobes and full bath. Laundry chute for your convenience! Finished walk-out lower level has numerous possibilities. Oversized family room with pool table and bar. Laundry room with slop sink and workbench. Additional walk-in storage closet and a BONUS Office/gym bedroom - you decide. Convenient to Garden State Parkway, Waldorf Green Meadow School, public transportation and so much more. Take the virtual tour and call or email for an appointment.
Property information deemed reliable but not guaranteed and should be verified.


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Re: Postpaid Payment RecordsChitoReyes Mar 20, 2015 8:01 PM (in response to ja9ka8)
Good for you as in my case I haven't seen any of my payment records from the past 20 years online in "My Account"
I don't think it was ever activated but probably a future feature that would be offered.
Re: Postpaid Payment Recordsdiesil Mar 21, 2015 1:20 AM (in response to ChitoReyes)
Wow your sooo fullll of hotair! Bakit 20 years ago na ba nag offer ang globe ng ganitong service? Hahaha as in Windows 3.1 or 95 from a 586 cpu pa na gamit mo? Talaga lang ha!
Re: Postpaid Payment RecordsChitoReyes Mar 21, 2015 5:27 AM (in response to diesil)
The payment history for the past 20 years (and not the "My Account" service) is what i meant which was made to stress a point that NONE of my payments were ever reflected there. .
I apologize if it came to you that way.
Re: Postpaid Payment Recordsdiesil Mar 21, 2015 5:43 AM (in response to ChitoReyes)
No need to start a row here I enjoy what most of you like doing. Answering and decyphering stupid, un-edited english questionnaires.
Re: Postpaid Payment RecordsWILLfindways Mar 22, 2015 2:18 PM (in response to diesil)
Banks allow it's customer to view statements in the last x months. It's not practical to show statements from the 80's, 90's.
I think (and I always think) that's the same case with this network whether some creatures like or not.
Re: Postpaid Payment RecordsChitoReyes Mar 22, 2015 5:12 PM (in response to WILLfindways)
If I am not mistaken the record and document retention provided by law in the Philippines is 10 years.
With the new Electronic Storage Systems (ESS), banks and companies may even opt for a longer period of time
Re: Postpaid Payment RecordsWILLfindways Mar 22, 2015 5:32 PM (in response to ChitoReyes)PDF copy of the Billing Statements, Payment Records in the 80s, 90's 2000's need not to be viewable in the secure site of the network to comply with the existing laws.
I think (and I always think) it's a wonderful idea.
Bigyan na 'yan ng Jacket at CD.
Re: Postpaid Payment RecordsChitoReyes Mar 22, 2015 6:20 PM (in response to WILLfindways)
Going with that argument, then the PDF copy of the Billing Statements, Payment Records need not be viewable at all in the secure site BUT it is Globe which is offering such service then they might as well do it (at least in Billing Statements they indicate what is only available).
In the case of Payment Records, nothing is indicated and why only online payments and more strangely is why 3 to 5 days AFTER the transaction is made? Does it take that long to process and record such payments in this age of technology (Just like the manual clearing of checks)? Does this not defeat the very purpose of going online? Or is online just a show to create an impression that the company is at par in using the latest in technology?
Re: Postpaid Payment RecordsWILLfindways Mar 20, 2015 8:50 PM (in response to ja9ka8)Forts, it's PAID not Payed.
Second, If you PAID via Globe Store, it should be posted in your account after next batch processing.
Third, all payments made after your statement cutoff will be reflected in your next statement.
Finally, if you have the Official Receipt, I think you should be happy with it.
P.S. You can always try to dial *143#
Re: Postpaid Payment Recordsfervish Mar 20, 2015 9:07 PM (in response to ja9ka8)
For my accounts, payments i made at globe store is not reflected in the Payment History. Only payments i made via online using credit card is reflected. I observed that it took 3-5 days to be reflected.


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Mapping differences in care
The AMA's Health Financing and Economics Committee (HFEC) considered the issue of healthcare variation at its meeting on 10 October.
Members of the Medical Practice Committee joined the meeting to receive a briefing on the nation's first Australian Atlas of Healthcare Variation, which is due to published by the Australian Commission on Safety and Quality in Health Care this month.
Associate Professor Anne Duggan, who chaired the committee advising the Commission on the Atlas, told the meeting its purpose was to inform the development of strategies, resources and tools to identify and reduce unwarranted health care variation, and to drive further investigation into variation at the local area level.
The HFEC and its predecessor, the Economics and Workforce Committee, have had a longstanding interest in health care variation, particularly how it reflects the impact of healthcare financing and funding arrangements on the delivery of health care. These are both key terms of reference for the Committee.
In its first iteration, the Atlas will be in hard copy, though later editions may be published in an interactive online format. Internationally, this is not new ground. Both the United Kingdom and New Zealand have published their own atlases of health care variation.
At its simplest, health care variation relates to the gap between what is known to be effective, based on the best available evidence and research, and what actually happens in practice.
Of course, there may be good reasons for variation across areas. When these factors are taken into account, what is left is often referred to as unwarranted variation – differences that cannot be explained by patient factors including illness or medical need, or by the evidence-based medicine that should apply.
How should we, as clinicians, approach the issue of health care variation and the Atlas?
Clinicians have a direct interest in understanding variation in the health care they provide. Knowing the results of the care we provide, how well this meets patient needs, and how these results compare (fairly and accurately) with care for other patients in other locations and from other health care providers, is an inherent part of clinical care. This is essential information for delivering effective health care and for continuing improvement as part of clinical stewardship.
As clinicians, and with and on behalf of our patients, we clearly have the most direct interest in data on health care variation. If clinicians do not engage with this issue, what is assumed to be unwarranted variation, and the actions taken to address it, will be decided by others.
But engaging with the data doesn't mean slavish acceptance. When publications such as the Atlas are released, our first responsibility is to carefully and critically consider the data. This is essential to determine what is warranted, as opposed to unwarranted, variation.
Members of the Committee said it was important to consider why particular areas have been selected, and whether they reflect preconceptions and existing agendas about variations.
It is also important to understand what data sets have been used to provide the health care data, and whether they have particular limitations that affect comparisons across areas, such as different treatment protocols or different approaches to providing services in or out of hospital.
It should also be recognised that atlases of health care variation are unlikely to address some important factors, such as how the preferences of patients can influence the nature and location of care provided.
Overall, the Atlas should serve as a conversation starter. The data it presents (taking into account necessary qualifications) should be used to explore the amount of, and possible reasons for, variation. That is, it should be used to help inform the start, but not the end, of the health care story.


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The thermistor port is 35 milimeters in diameter.
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Is your environment supporting you as a spiritual being?
Healthy Choices Privacy > Healthy Choices Disclaimer
by Neva J. Howell unless otherwise noted
Water as a Messenger
I got this email from a company called Learning Strategies. It has some good meditation thoughts about how our thinking affects our health and our world. I love the work of Masaru Emoto as well, and believe that he touched on Sacred Truth with his pictures of water crystals.
I've also used the many of the Learning Strategies programs and consider them to be excellent spiritual development tools.
Do you ever capture snowflakes to catch a glimpse of their exquisite designs before they melt away?Every single snowflake is unique in its own right. Just like the amazing photographs of Dr. Masaru Emoto, a Japanese researcher who captured crystallized patterns of water on film.
Masuru Emoto gained worldwide acclaim through his groundbreaking research showing water to be deeply connected to our individual and collective consciousness. In his book "Messages from Water" he shows what happens to water when it's exposed to various forms of music and words and then frozen.
Water comprises 50 to 70 percent of the human body. Every cell in our body depends on water to transport oxygen and nutrients and remove wastes and toxins. But according to Dr. Emoto, water does so much more. It carries vibrations or "messages" throughout our bodies and cells.
When exposed to positive words such as "love" and "gratitude" and to classical music, healing chants, and mantras, water formed beautiful crystals when frozen. Heavy metal music, on the other hand, produced warped crystals. The vibrations of beautiful words, thoughts, and music, Emoto says, can help our minds and bodies heal.
What kinds of messages are you sending your cells? For instance, what internal messages are running through your mind as you go about your day? Are they self-defeating or self-affirming? Are the words you speak to others negative and demeaning or positive and encouraging? Make a conscious effort to use more affirming, kind, and powerful words every day.
Take a tip from the work of Masuru Emoto… be careful what you say to yourself. The body is mostly water so the same impacts that are seen in the water experiments Dr. Emoto conducted would logically find similar results in the body. Use loving, nurturing and compassionate.
Secondly, are you surrounding yourself with beautiful and harmonious music or just the opposite? Have classical or soothing music playing in your home or work environment. Or listen to relaxation and meditation programs. Finally, consider the images you are holding onto in your mind. Are they from negative experiences and past hurts? Every morning and night do positive visualizations of happy outcomes in your life to elevate your thoughts and enrich your soul.


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PE looks at the best cities to work as a professional engineer in, and whether you'd want to live there
Industry at the beginning of the 21st century is truly global. Engineers have an unparalleled opportunity to follow an international career path. The world, to a freshly minted engineer, earnest smile in place and hand clutching their diploma, is their oyster. But no matter your age, if you have wanderlust to sate and a wallet to fill, there are certain places more likely to welcome you with open arms as an engineer.
Most people, and economists, would agree that both people and industry are based in cities. Engineering jobs available internationally will likely be based in or close to a city. Furthermore, there are a number of cities where the bias towards engineering, manufacturing and technology is strongest and the need for engineers is greatest.
But it's not all work, work, work. We also considered the city's transport infrastructure, the standard of culture and leisure, the nightlife, even its politically and social stability?
So here, in no particular order, is our starter for ten, the best cities to work in if you are a young(ish), upwardly mobile, professional engineer. These are the places an engineer with the appropriate skills and experience can realistically aim for.You can agree or disagree, maybe you have your own ideas and we welcome feedback.
People most often judge the merits of the next job on two central criteria – money and location. Be in the right place, at the right time and you could give you career a boost and see a bit of the world. So when compiling our top ten our top criteria was the current level of opportunity for engineers and the long term career prospects in that city.
Please note these places are identified as job hot spots for more 'traditional' engineering disciplines, such as mechanical and electrical, in sectors such as automotive, aerospace, oil and gas and manufacturing. Also, the list is split 50/50 between the northern and southern hemisphere, for sake of fairness and because most engineers tend to travel and work more within "their own" hemispheres.
Top ten international engineering cities:
1. Munich, Germany
Munich is seen by many as the high tech centre of Germany. More than 65% of its inhabitants use broadband internet, the highest proportion in Europe. The city hosts the headquarters of industrial giants including Siemens, BMW and MTU Aero Engines, amongst many other large international firms. Japanese industrial robot and drive technology firm, Yaskawa opened its European headquarters near Munich last year.
The association of German engineers, Verein Deutscher Ingenieure, estimates there are around 70,000 vacant engineering jobs in Germany. Some industry commentators believe this could climb to 500,000 by 2025.
As you would expect the transport, communications and power infrastructure are excellent, as is the beer, this is the hometown of the notorious Oktoberfest. The city's football team, the Champions League winning Bayern Munich, aren't bad either, with season tickets starting at an astoundingly affordable £104.
Germans are well-known to hold their engineers in great esteem, and industrial sectors like automotive, renewables and machinery and equipment are booming. Without getting carried away about high quality precision German engineering, the sober truth is Germany and Munich is a good base for an engineering career in a variety of industrial sectors.
2. Melbourne, Australia
Melbourne is Australia's second largest city and is typically seen as the country's centre for technology, logistics and R&D. It is also the home of Australia's automotive industry. Ford, Toyota and General Motors have factories in Melbourne. Other firms include mining companies Rio Tinto, BHP Bilton as well as defence and aerospace firms such as Boeing and BAE Systems.
The city tops polls of the most desirable places in the world to live, rating first in The Economists' "Liveability Index" last year. Melbourne is credited with having a vibrant cultural life, modern architecture, almost free public transport infrastructure and the largest casino in the southern hemisphere.
There is also plenty of scope for foreign engineers to settle in Australia. According to the latest official figures from the Australian government, roughly half of the country's engineering vacancies are filled by immigrant engineers. In 2010 they gave out 14% more visas to immigrant engineers than they did bachelor level engineering degrees to Australians.
Government policy is to reduce the reliance on foreign engineers. Nevertheless there are plenty of opportunities for the foreseeable future, particularly in sectors such as mining, oil and gas, infrastructure and construction.
Admittedly it is a close race between Australian cities for engineers. Melbourne just about tips the balance by appearing to smooth the processfor skilled immigrant workers slightly better, and has the breadth and amount of industry to provide work in the future.
3. Toulouse, France
Located in south west France, Toulouse has a number of good things going for it, not least being the aerospace centre for Europe. Some 35,000 of the inner city's 400,000 inhabitants are said to work in the aerospace sector.
Almost all the major European aerospace companies have a presence in or around Toulouse, including Airbus, Dassault, EADS and Thales.
Furthermore, now is a great time to be a qualified engineer entering the aerospace market. There are lots of vacancies in Toulouse and its "Aerospace Valley".
According to the Groupement des industries françaises aéronautiques et spatiales, which represents the French aviation sector, last year the sector expanded 34% and recruited 15,000 people. That trend is expected to continue this year. Bulging order books at Airbus should easily see the industry through the rest of the decade.
However many firms, particularly suppliers, are finding it difficult to recruit engineers and technical staff. Some, such as jet engine maker Safran, are resorting to poaching technical staff from France's flagging automotive sector.
The city itself has a large student population, second only to Paris, with an accordingly active nightlife scene. It also has a rich history, stretching back through the middle ages to Roman times, plus a strong arts and cultural scene. It's not likely you're going to be bored and with good transport links you won't struggle to get around. Speaking French is going to be a prerequisite though.
4. Chennai, India
Chennai on the south eastern coast of India has a broad industrial base, but is best known for being the centre of India's automotive sector. Often called the "Detroit of India", Chennai has factories from automotive OEMs and component manufacturers including Hyundai, Renault, Bosch, Nissan, Daimler, Caterpillar, Komatsu, Ford, BMW and Mitsubishi.
The city and its environs also host a large number of electronics hardware manufacturers, such as Dell, Nokia, Cisco, Samsung, Texas Instruments and Siemens. The factory which produces rolling stock for the government-owned Indian Railways is in Chennai. The city has a burgeoning offshore energy industry, attracting companies such as Technip, Mott Macdonald and Vestas. The city is already home to Indian aerospace firms Ahsok Leyland Defence and Mahindra Aerospace and there are plans to boost the aerospace industry there further.
Research from bank HSBC shows the city hosts the third largest expat population in India after Mumbai and Delhi, which rose to 82,790 in 2011 from 35,000 in 2009. Chennai is reported to be cheaper to live in than Delhi and Mumbai and has also begun to score higher on liveability indexes, although it does fall far down the rankings compared to most cities in the northern hemisphere.
The only potential drawbacks are that communications and power infrastructure are said to be just satisfactory and the public transport infrastructure is overcrowded, but a new Metro system is due to be complete by 2015 and a monorail system is also planned.
5. Houston, US
Houston, Texas is synonymous with oil the and gas sector. Thanks to a combination of high prices, new technology and techniques for fracking and deep water, the city currently has an insatiable thirst for engineers, leading most US oil firms to recruit internationally.
A recent survey by online recruitment firm Monster showed that Houston has the highest demand for engineers in the US, with industrial, mechanical and electrical being most in demand. Evidence of the confidence of the industry is also evident in developments such as Chevron's new Houston tower. It's the third skyscraper the company has built in the city and accompanies a 1,752 person hiring spree. The Texas Independent Producers & Royalty Owners Association says that 34,600 new oil and gas jobs were created in the state last year alone.
Houston itself is the fourth largest city in the US and is as closely identified with urban sprawl as oil and gas – it occupies a massive 600 square miles of land. The city has a diverse multicultural makeup, thanks to the 'boom' years in oil and gas. Arguably though, this historically industrial city has less of an emphasis on culture and arts as industry. However it is often credited as having an international "feel" due to the industry. Cost of living is amongst the lowest for the top cities in the US, but expect to be driving a lot instead of using public transport.
6. Abu Dhabi, UAE
Staying with places connected to oil and gas, but switching hemispheres, the Middle East has long been a destination for engineers. Oil rich states such as UAE have built modern cities, such as Abu Dhabi from the desert up using funds gained from the exploitation of the vast fossil fuel resources under their feet.
The requirement for foreign oil and gas engineers continues today, either through an international company or with one of the Gulf states' national oil companies. However, with the end in sight for its finite oil and gas reserves, countries like the UAE are now attempting to diversify their industrial base. Other forms of clean energy, such as solar, are being heavily backed and the government is encouraging other sectors, such as the automotive. Jaguar Land Rover are at the early stages of building a factory in the country.
Abu Dhabi has the lowest crime rates of the UAE cities, and entertainment venues are in no short supply, as similarly to Dubai the city has looked to increase its tourist trade in recent years.
Technical and management staff often top the polls of the most highly paid workers in Abu Dhabi. Much of the engineering work is the Industrial City of Abu Dhabi HCSEZ, which welcomes foreign investment and business. The city also hosts the government backed Masdar Institute, which has an emphasis on the engineering and science R&D.
7. Copenhagen, Denmark
Denmark's capital is the country's largest city and its chief industrial centre. The city was founded on fishing and the marine sector, including shipbuilding and offshore engineering, remains a major industry. There is a large oil and gas sector and companies that develop clean technologies, such as wind power, also have a major presence here. There is a strong industry for process and production machinery and communications technology is a major sector. Some of the biggest firms include Maersk, Alfa Laval, MAN, Trelleborg and Ramboll.
There is large and growing demand for electrical, mechanical, chemical, production and environmental engineers in Denmark. A recent UNESCO study estimates the country will be lacking 14,000 engineers by 2020. Projects such as the Femern Belt link, a project to build an 18km tunnel between Denmark and Germany, show how ambitious and the high regard Danes regard engineering.
Copenhagen has been designed to cater for bicyclists, and cycling is one of the best ways to get around. It has the lively cultural and nightlife scene you would expect from a northern European city. Strangely, it hosts the world's oldest amusement parks.
The possible downsides are that some expats complain of difficulty at integrating with Danes and a high cost of living.
8. Sao Paolo, Brazil
Sao Paulo is often cited as the example of a 21st century megacity. It is the tenth richest city in the world and is predicted to become the 6th richest by 2025, according to financial consultancy PWC.
The city has a strong industrial base with leading regional firms in the automotive, aerospace and IT industry and has thousands of manufacturing plants. A demand for new infrastructure, the creation of several new industrial sectors and a lack of qualified workers, are all factors fuelling demand for engineers in Brazil. Furthermore, Sao Paulo is a spring board for many international engineering companies seeking to capture the growing South American market.
Brazil hosts the World Cup next year, and Sao Paolo is ramping up in preparation. Aside from the football the city has a good reputation for culture, from concerts and exhibitions to having an estimated 12,000 restaurants.
However there is a large caveat with Sao Paulo – its status as 'megacity' has also delivered many problems. Experts believe its poor infrastructure and high population growth is exacerbating social unrest and limiting growth. Recent riots about the amount of funding the government has allocated the World Cup show that the political situation can be unpredictable. Many expats also say there is bad pollution, traffic and crime.
The city has also always attracted large numbers of immigrants since the 19th century and has a broad ethnic mix and large expat community.
9. Shanghai, China
According to to the Chinese government, more than half of the world's top 100 industrial companies have a presence in Shanghai. The city is the country's largest and oldest base for industrial technology.
Heavy industries accounted for 78% of its gross industrial output in 2009. Steel, automotive, power equipment, petrochemicals and electric appliances are among Shanghai's so-called "pillar" industries. China's largest petrochemical complex is also located here. The city has striven to become and remain internationally relevant industrially, investing in R&D and relocating and reorganising industrial zones to the outlying districts of the city.
Shanghai's 23 million inhabitants make it the most populous city in the world, and the city has a decentralisation policy to the seven satellite towns built around the city. Shanghai is also a a major aviation gateway, the city has the largest bus system and longest Metro system in the world.
Estimates put the number of foreign workers in the city at around 400,000. Hours are said to be long, and money and benefits packages higher for those hired by corporates and bought into Shanghai. Living with western food and culture can also prove expensive in Shanghai – most expats say immersing yourself in Shanghai is the cheapest and simplest way to live.
10. Toronto, Canada
There are lots of opportunities for foreign engineers in Canada, which in general has growth in its mining, transportation and energy sectors. An Engineer's Canada report published earlier this year found that there are 95,000 Canadian engineers expected to retire by 2020, and not enough indigenous engineers to fill these positions.
Toronto is the largest city in Canada and the capital of Ontario and a range of industries is present within the city and its environs, ranging from automotive and aerospace firms like Chrysler, GM, Bombardier and Goodrich, to industrial giants like Siemens and Honeywell. Consultancies such as AMEC and CH2M Hill also have a strong presence in Toronto. At the present time Toronto has more vacancies for electrical and mechanical engineers than any other Canadian city.
Canada attracts many with the allure of its undeveloped natural environment and Toronto provides a base for those to whom this is the primary attraction. Ranked as one of the most culturally and ethnically diverse cities in the world after decades of immigration, there is plenty of entertainment, cultural diversions and a well developed infrastructure.
Opportunities for engineers in Canada are also said to be in abundance west of Toronto in Alberta, where there is a booming oil and gas industry.
Want more? Our guide on how to aim international and improve your chances of working in one of the world's top cities for engineers can be found .


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Squarespace vs Shopify for eCommerce/
I keep seeing a lot of questions in Facebook groups and forums about which website service provider they should go with; Squarespace or Shopify? I've done business with both platforms' eCommerce capabilities and have come to my own solid conclusion which I'm going to share with you today.
You're ready to venture out from the all mighty Etsy platform to host your very own eCommerce website, with your own URL, with just your business name and have more control over your brand presence. I'm with ya, it's an exciting adventure, but you soon realize you have a million and one questions about each spec and feature for these new platforms and you want to make sure that the one you choose will be the right fit for your brand.
I'm here to help. These will be my own opinions based on my own jewelry business in order to help you gain a better understanding of what to look out for and which features to compromise on.
General Design Aesthetics
Squarespace will make your website look beautiful no matter what editing you do and you don't have to do any coding whatsoever. Squarespace has a really simple drag & drop interface so you can add an email signup box practically anywhere and it'll look like it was made for that spot.
When you hover your mouse while in the back end of Squarespace you'll see these dark grey pointers letting you know you can insert a "block" there.
There are many different types of blocks you can add; a mailing list signup block, a photo block, a quote block, text block, video, etc. Here's the list of different blocks you can choose from.
Squarespace also has a Design section where you can change the fonts, colors, width of the site and all that good stuff and it's as easy as typing in a color hex code. There's no coding involved.
Shopify's editing capabilities aren't nearly as comprehensive as Squarespace. There's just a few things you can do without getting into coding. You can easily changes things like colors, fonts and site width. They have a few "blocks" you can insert but that's only for your homepage and they don't have nearly as many options as Squarespace.
For example, here are all the Product Page editing options:
If you want more control over design aesthetics and features you're going to have to get your hands a bit dirty. The coding I'm talking about isn't crazy difficult, hacker-type coding. It's really just basic coding. Anytime I'm looking for a way to change something on my site I first go to the Shopify forums and find a similar request, most the time a Shopify Expert has given you the exact code you need and where to insert it into your site. That's about as far as I'll go with coding.
This is where Squarespace lags behind compared to Shopify in my opinion. Squarespace's eCommerce and checkout system is super simple, Add to Cart, Checkout, done. They don't collect much customer information in terms of where that shopper came from, which pages they visited before landing on the product they just bought, etc.
Also, creating product variations is a pain. For example, if you sell a shirt and you have 3 sizes (small, medium & large) and they also come in 2 colors (red & blue) you'll have to create a variant for each and every combination:
Instead of condensing these into just 3:
- Small / red or blue
- Medium / red or blue
- Large / red or blue
I couldn't image if your product comes in 10 different colors!
You also can't see who has abandoned their carts so you can send an abandon cart recovery email to them with a discount or something.
Shopify is one of the leading platforms for eCommerce businesses in my humble opinion. They are extremely up to date with how customers are shopping online and keeping their platform up to date with changes.
You can insert a photo for each variant, too, so if someone chooses "red" in your drop down menu on your product page the main product photo will change to the red item. In my case I mostly use it for the metal finish. So if someone clicks "oxidized" they can see immidiately what that piece will look like with that finish on it.
Shopify also collects a lot of information about your customer. They let you know what website your customer came from (i.e. Instagram, Pinterest, etc.) then they tell you which pages they clicked on up to the page of the product they purchased. This was from a real customer of mine:
They also let you know if someone abandoned a cart so you can email them to try and win that sale by sending a coupon code or a copy of your return policy to hopefully sway them.
Squarespace certainly wins in this category. With the seemingly unlimited editing options you can customize your blog to fit your aesthetic easily. With all those "block" inserts you can add an image to your sidebar, an email signup, blog categories, etc.
Here you can see how beautiful my blog sidebar is with my short bio followed by my email signup, then a search bar and my latest blog posts. I can also add blog categories here as well.
You can also easily edit your blog posts, whether you'd like the date to show or not, the author to show or not, the categories & tags you placed for that post, etc.
Shopify really lacks in the blogging department. A lot of Shopify store owners will connect their Shopify store to their blog that's hosted on another site, like Squarespace (which is something I'm thinking about doing. There's a lot of 301 link redirects involved but it's so worth it).
I have not been able to find an easy way to even edit my Shopify blog sidebar. So it remains with whatever was there when I signed up, with no appealing aesthetic. Click here to see my Shopify blog.
The comments section also sucks on the Shopify blog. You can't reply to a specific comment and you also can't log in to a service like Disqus where you have a profile, you get notified of other sequential comments and replies and anyone who clicks on your name gets directed to your website if you have one.
You can certainly edit all these cons with a bit of coding but I, personal, with little coding experience, have not figured out how.
To conclude this post I want to say that there are way more pros and cons to each of these sections we talked about today and you can obviously edit any of these things to fit your style.
I ultimately like Shopify better because they have so many awesome reports, analytics and apps you can integrate with your site (something I didn't even go over). Your customers can also create an account in your site and view their purchase history, something Squarespace lacks. But Squarespace is the way to go if you want a clean, beautiful website above all the bells and whistles that Shopify offers.
I hope this post was able to get you closer to you decision about which platform to go with. If you have any specific questions about either of these platforms (I do use Squarespace for this blog) then please leave them in the wonderful comments section provided by Disqus below.


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I just made this
for a volunteer breakfast we are having at school...
It is absolutely D-I-V-I-N-E!
I make it for everything...
Christmas morning breakfast (every year)...
whenever I need a breakfast item...
this is my go-to...
So simple and so scrumptious...
And it ALWAYS gets rave reviews...
I'm serious...people hunt me down to get the recipe...
I hope you enjoy!
Caramel Soaked French Toast
(Southern Living Five Star Recipes)
1-1/2 cups packed brown sugar
3/4 cup butter
1/4 cup plus 2 TB light corn syrup
loaf of french bread cut in slices
4 large eggs
2-1/2 cups milk or half & half
(I use whatever kind of milk I have on hand)
1 TB vanilla
3 TB sugar
1-1/2 TSP ground cinnamon
1/4 cup butter melted
Combine the first 3 ingredients in a medium saucepan.
Cook over medium heat, stirring constantly,
5 minutes or until mixture is bubbly.
Pour syrup mixture evenly into a lightly greased 13x9 baking dish.
Arrange bread slices over syrup.
**I usually slice the bread and then cut the slice in half**
Combine eggs and next 3 ingredients; stir well.
Gradually pour mixture over bread slices.
Cover and chill for at least 8 hours.
Combine 3 TB sugar and cinnamon; stir well.
Sprinkle evenly over soaked bread.
Drizzle 1/4 cup melted butter over bread.
Bake, uncovered, at 350 for 45-50 minutes
or until golden and bubbly.
Serve immediately.
{image via Cooking Light}


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Poultry & Meat Dishes
Roasted Shio-koji Herb Chicken
Shio-koji makes the chicken tender. Use basil or oregano instead of thyme if you like.
Ingredients (2-3 servings)
6 chicken drumsticks (about 750 gm)
4 tablespoons shio-koji
1 tablespoon olive oil
2 cloves garlic
2 sprigs of thyme
3 small spring potatoes
Coarsely ground black pepper
Preheat the oven to 180˚ C (350˚ F). Lightly oil a shallow baking pan.
- Put two incisions into the chicken drumsticks.
- Cut the garlic cloves lengthwise in half.
- Boil the potatoes until they can be pierced with a bamboo skewer. Set aside.
- Put the chicken and the shio-koji in a bowl and mix until the chicken is well coated. Add the olive oil, garlic, and thyme and mix well. Let it sit 15 minutes.
- Remove the chicken from the bowl and place in the baking pan.
- Pour the leftover chicken marinade over the potatoes and mix well. Add the potatoes to the pan with the chicken.
- Bake for about 20 minutes until the chicken is golden brown. Sprinkle with black pepper to taste.
shiokoj : 10 % of chicken weight
for each pound, use 2 ½ Tbsp. ; for each kilo, use 5 Tbsp.


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text: Enjoyed watching a lovely couple getting handfasted at the weekend. It was at their Willow farm and we were all invited to camp if we wanted so that the celebrations could go on into the night, which was just as well really as there was lots of different homemade wines and other goodies to sample afterwards. The ceremony took place on the grass surrounded by trees and they were handfasted in front of a flower bower with a golden ribbon, very pretty :0) We had decided to get them something as a handfasting gift, a handmade wooden crate by Elphius Flux, beer to put in the crate and a hand made pentacle by me similar to the ones here but special for them. The pentacle was made of Willow, not as thought they haven't got plenty of that I know ;0), but it also had on it a bear as one of the couple goes by Bear and on the other point a pixie for the other person. I placed a golden amber coloured heart in the centre balanced by the sun and moon on each side and the goddess above. Underneath were golden ribbons and green leaves, and a dragon charm as their place is called Dragons Wood. I hadn't know they had chosen gold as their handfasting colour just lucky chance. After the ceremony followed music, dancing, drumming, eating and drinking as well as catching up with people not seen for a while.


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A Water Softener Is The Easiest Way To Solve Hard Water Problems Relating To Rust, But You Can Also Consult A Plumber If You Are Unsure.
Trying to learn about plumbing can be difficult, but it can be learned through conducting the right research. Now that you are going to read all of the tips in this article, by the time you are finished you should be better informed. Then you can start refining your methods to become a wonderful plumber. plumbing austin
If you have pipes that sound as if they're squeaking or hammering, it's an easy fix. Exposed pipes need to be anchored. If these pipes on the ceiling, or in the floors or walls, it might be a good idea to hire a professional to help you finish the project.
To avoid frozen pipes in your home, never allow the temperature in your house to drop below freezing and insulate any pipes that are exposed to the elements. Your plumbing can freeze if the air around it is below 32 degrees. In the best situation, it can take hours for frozen pipes to thaw and water to run freely again. However, they could burst, and that could make a mess and result in a big repair bill.
If you discover a frozen water pipe, turn on a nearby faucet so that thawed ice has a place to go. This will relieve pressure and might prevent the pipe from bursting, preventing further damage.
Don't use harsh chemicals such as toilet tablets in your toilet. They may get rid of toilet odors, but they can damage the rubber in the toilet, which can cause it to break down completely or to not function at all.
Give all drains strainers to gather particulate matter that can clog pipes. Whenever large particles become trapped in the strainer, remove them. Clean bathtub drain screens as often as needed.
Iron will cause orange or pink stains in and on your fixtures if you have a well. check postA water softener is the easiest way to solve hard water problems relating to rust, but you can also consult a plumber if you are unsure.
To keep your garbage disposal lasting for a long time, make sure you clean it on a daily basis. Prevent unsavory disposal odors through regular use of citrus peel, cherry pits and dish detergent.
Now that wasn't so bad, was it? As is the case for any subject, there's a lot to learn about plumbing, but there's also a lot of information available. For many they just need a bit of guidance so they know where to start. Now you can start putting these tips to use on all your household plumbing needs.


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A series of murders resembling Ji-yoon's horror webcomic drawings occur and detective Ki-chul unravels the terrifying truth of the comics himself.
A historical drama set in the Koryo dynasty and focused on the relationship between a king and his bodyguard. Under the dominance of Yuan Dynasty China, the king of Goryeo Dynasty Korea is pressured to produce a successor to ...
This drama is the story of three people, actors who fail to debut after seven years and their lives as they relate to a broadcasting station.
Depicts the trials and tribulations of four men who work at Laurel Tree Tailor Shop.
Dae-Gil and King Yeongjo enter a match. Dae-Gil bets his life and King Yeongjo bets the entire Kingdom of Joseon on the outcome. Dae-Gil is the best gambler in the Joseon era. He holds deep resentment inside, but is also ...
The drama tells the story of average workers, who silently work hard on each one's own task. They finally pull together as a team to fight through a difficult and unfair situation.
Lee Soo-In has the kind of temperament where he ...
While looking for her lost cat, magazine journalist Go Yang-soon meets law school student and part-time photographer Yeom Chi-woong. Soon, they begin to get to know each other and each other's families.
Lee Myung-hyun and his disease control task force investigate a mutant virus that has a 100% fatality rate and kills the infected within three days. Not only must they find an antidote, they must also stop the epidemic from spreading ...
Dream is a 2009 South Korean television series that follows the lives of a sports agent and K-1 fighters. Starring Joo Jin-mo, Kim Bum and Son Dam-bi, it aired on SBS from July 27 to September 29, 2009 on Mondays ...
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text:
And be prepared to use Facetime, Skype or other video calling service to give potential buyers a live look at the dress, says Shelley Brown, the fashion and beauty editor at wedding planning site The Knot. Be honest about the condition of the dress and point out any damage or permanent stains. Let your Facebook, Instagram and other social media followers know you are selling a dress. Use hashtags, such as #weddingdress, so those who are searching can find your post easily. If ชุดแต่งงานราคาถูก พาหุรัด you want to buy a used dress online: Ask questions, request more photos and be wary of sellers... Read more
shopping online clothes
where to sell stuff


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Indian economy is one of the fastest growing economies among the third world countries and the need for talented professionals, who can contribute towards the growth of the economy, is increasing so the College embarked on the process of imparting quality Commerce education.
Commerce, the most popular career option in India, is of one of the three fundamental academic streams, the other two being humanities and science. Commerce, the Queen of the so called progressive Social Sciences in the college. Course has been offered in the College since 2003. It deals with exchange of items of value and products between persons or companies. Any such exchange money for a product or service is considered a deal in commerce. A course in the field of commerce, equip one with the knowledge of business or trade, nature and fluctuations in market, basics of economics, fiscal policies, industrial policies etc. The concept of commerce consists of a wide range of interdisciplinary branches including Accountancy, Business Administration, E-Commerce, Finance, Economics and Marketing. A commerce aspirant can pursue course related to the field at any of the colleges and work in organizations that deal with finance and commerce.
Highlights of The Commerce Department
Department offers Commerce for the Intermediate and the Degree courses.
Undergraduate program offered by the College includes B.Com, B.A (Commerce - Economics - Management Studies)
Core Courses
The Papers offered by the B.Com Department are Business Statistics, Managerial Economics, Business Organization and Management, Financial Accounting, Advanced Accounting, Cost and Management Accounting, Business Laws, Auditing, Human Resource Management, Corporate Accounting, Research Methodology, , Income Tax, TALLY, Accounting Software Applications, Operations Research, Web Designing, and Major Project.
Career Electives
Executive Secretarial Practice
Inter Disciplinary Elective -Basics of Commerce
The Department uses innovative methods like Projects, Role Plays, Seminar Presentations and group Discussions and so on. Prominent professionals from the city and city colleges are invited to interact with the students for professional enrichment.
The Department has been successful in campus recruitment in WIPRO, GENPACT, INFOSYS, Bank of America, HSBC and others. Alumnae are pursuing M.Com , M.B.A., C.A, M.H.R.M besides those who are working.
Teaching methodologies Adopted
Student Projects
- percentage of students who have done in-house projects including inter-departmental – 10%
- percentage of students doing projects in collaboration with industries / institutes – 80%
Projects in collaboration with the Industry – 2012 – 2013.
- Revenue Expenditure and services in Airports Authority of India
- Ratio Analysis in Kakinada Cooperative Town Bank
- Types of Loans in State Bank of India
- Innovations in Banking HSBC
- Human Resource Management in Coca Cola company
- A study on employees Welfare measures in Dredging Corporation of India
- Insurance Sector Reforms in Aditya Birla Life Insurance
- Working Capital Management in Coca Cola Company
- Recruitment Process in Indian Coast Guard
- Online banking in Indusind Bank
- Wages and Salary Administration in East Coast Railways
- Labour Welfare Management in Coromandel Fertilizers Ltd
- Financial statement analysis in Chodavaram Sugar Factory
Mrs. R. Pavani
Incharge of the Department


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Freaked out about air pollution? We all are at some point. Whether you've lived here for a short time or longer than you thought you might, some days just beg the question – what exactly are we breathing?!
Countless blog posts, medical articles, presentations and the like discuss the issue. Official monitors, measurements and air purifiers are debated. No one is arguing the fact – and it is a fact – that the air quality in Beijing is less than desirable. Even Beijing admits that. But the reality is that we live here. Regardless of whether we're here short/long term, had any/no choice about moving here in the first place, or whatever the individual situation, we are here right now, and we have to choose how to deal poor air quality.
So, let's get the negative out of the way. Yes, it's bad; yes, it's dangerous; and yes, it poses many health risks. Yes, it likely decreases life expectancy somewhat and yes, our children are likely affected more than we are due to their developing lungs and their more frequent outdoor physical activity. The fine particles to be most aware of are the PM 2.5 kind found in diesel fuels, dust, cigarettes – things you see here. They are small enough to enter the blood stream and harder to protect against. Keeping in mind that 2,000 cars were added per day in Beijing last year, you can see the concern.
Not good news no matter how you look at it. But again, we live here. How do we cope? We arm ourselves with information that may help us relax a little, and we learn tips about how to make things a bit easier in combatting the pollution we breathe.
*Air purifiers. To put it simply, get them. Many of them. There are those who don't believe air purifiers do much good, but the majority believes the benefits far outweighing the cost/trouble to buy them. There are things to keep in mind, though, to make them work better for you. Use a HEPA filter (High-Efficiency Particulate Air). Do NOT push the ionizer or ozone button on the machine –they actually create ozone in your house, and that "fresh" smell is just a mask. Make sure that you have enough air purifiers or large enough ones for the space(s) of your room/house.
*Plants. We've read that there are some plants that actually help clear the air in your house. With all the pinyin supplied, just get to the flower market and buy them (two blog posts on the topic: http://www.beijing-kids.com/blog/dibeijing/2011/10/10/Helpful-Houseplants-for-your-Home, and http://www.beijing-kids.com/blog/beijingkids/2009/12/30/Clean-Green-Air). Green thumb or not, plants are always a good thing to have around, and if it helps your air quality, then it's a no-brainer.
*Websites. Sometimes, having too much information available creates a frenzy of worry. But many prefer that to know is to be better informed in making decisions. I'm of the latter type. If I'm given a bunch of websites to check, I probably will. I might not read them all in their entirety, but at least I have the information available to me. Here are some to check (some are U.S. specific, but have good overall air quality information): livefrombeijing.com, myhealthbeijing.com, lantiantian.com, toranacleanair.com, airnow.gov, epa.gov.
*Get out! You know how you just feel better and breathe better during a long holiday away? Escaping to clean air give your lungs a better chance of staying healthy for the long term. So that home leave? Your R&R? Take it and breathe deeply. Some say that a month away per year is good; others say that a month every eight months or so is better.
*Know your limits. Air pollution is literally in our face, but we are inundated with it in the news as well. Even if you weren't worried or if your kids were unaware, this is likely no longer the case. Becoming overly-anxious and stressed about it all simply creates a new health problem to manage. Know that there are small things you can do to help improve breathing conditions for your family, and try not to worry about that which cannot be changed.