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Profit Boss® Radio listener stories are some of the most inspiring and, yet, pragmatic financial experiences I am privileged to cover on the show.
Today's Listener Series episode features Jenna Missanelli. She bravely shares her story about how financial infidelity in her marriage contributed to her eventual divorce and how her financial recovery has completely transformed the second half of her life.
Her story is not dissimilar to others who face financial strife in their own relationships. No matter what you have been through or are going through, Jenna's story is a reminder to us all that there is always hope to turn our circumstances around and reach financial success
Tune in to this week's installment of Profit Boss® Radio to hear her powerful story and the biggest financial lessons she learned from her journey.
For more details, please visit the show notes on our website: https://www.hilaryhendershott.com/recovering-from-financial-infidelity/
Most of our conversations on Profit Boss® Radio are about how to keep wealth for yourself. How to earn it, save it and how to grow it. In this episode, we're going to talk about giving it away and how to get started with charitable giving.
For more details, please visit the show notes on our website: https://www.hilaryhendershott.com/get-started-giving-to-charities/
Welcome to a brand new season of Profit Boss® Radio! I have missed you and look forward to a rejoining your podcast player with new episodes every Tuesday.
Season 3 of Profit Boss® Radio is sure to be an exciting one. We're leveling-up this season, which means my guests and I will be covering more sophisticated financial topics that you need to know about to navigate your financial world.
For more details, please visit the complete show notes on our website: https://www.hilaryhendershott.com/what-to-look-forward-to-in-this-season-of-profit-boss/
Today's show is all about a topic that is important to everyone: EARNING. If you are familiar with Episode 77, then you know Earning is one of the 7 Steps to Wealth covered there. We start off by discussing the wage gap for women and then get into a great conversation about finding success in the world of online business.
Mariko Briley grew up living in the great outdoors of Alaska and became a pilot who flew tourists around Mt. McKinley. She and her husband now run a multi-million dollar business teaching entrepreneurs how to find success. Mariko and Dustin are passionate about inspiring emerging entrepreneurs to reach their goals. After making expensive mistakes in the birth and growth of their own business, Mariko is now choosing to control her quality of life and helping others do the same. She is currently working on a book with her husband about how to attract the right clients.
What you'll learn in this episode:
Do you have student loans? This topic is a painful area to talk about, but one that is common for so many people. My guest today has great advice and nuggets of wisdom for you! He is passionate about helping to fix the problem of student loan debt for others. Don't miss my conversation with Travis!
Travis Hornsby founded Student Loan Planner after helping his surgeon wife figure out how to manage her six-figure medical school debt. He quickly realized there was a huge need in this area and that he could provide valuable help for others. He was formerly a bond trader and is a chartered financial analyst, so he is a rock-solid and smart finance guy. He loves saving professionals money through creating customized student loan strategies for the top 2% of the most indebted Americans. Check out the resources below to see how to contact Travis and how he may be able to help you with your student loan debt.
What you'll learn in this episode:
www.studentloanplanner.com/refi-quiz Check out Travis' website for lots of helpful information!
Email Travis: email@example.com
We all want our kids to be smart about money decisions, right, but how do we do this? Making decisions around money is much more than learning how to spend, but how do we teach our children in ways that they will understand, before they make those disastrous money mistakes? It's a a topic that many parents have questions about and today's show is full of answers and smart money advice for parents.
John Lanza is Chief Mammal of The Money Mammals and the author of The Art of Allowance, three children's picture books, and the creator of an award-winning DVD, The Money Mammals. He's the father of two daughters and a youth financial literacy expert and he's here to help us learn the basics of raising financially empowered kids.
What you'll learn from the episode:
www.theartofallowance.com--Find out how to win one of three signed copies of John's book!
The Opposite of Spoiled by Ron Lieber
Is there really some secret to obtaining wealth? Everyone wants to be a millionaire, but today's guest, Steve Siebold, actually spoke with over 1,200 self-made millionaires to find out what their secrets to success are. He wrote a book about his findings, Secrets Self-Made Millionaires Teach Their Kids.
You may be surprised to learn that many of the secrets are actually counterintuitive. Once you know the "rules" of being a millionaire, you can begin taking steps to join their ranks! Join Hilary for her insightful discussion with Steve and learn what you need to know to teach your kids to be millionaires too!
Show Highlights:
Secrets Self-Made Millionaires Teach Their Kids.
This week I'm speaking with Kelly, whose lax money habits from her early 20s landed her in a stressful 25-year cycle of debt and uncertainty. Now, having sought help to finally improve her understanding of money and establish healthy spending and saving, she's debt-free.
This episode is a great one for anybody wrestling with feelings of failure or inadequacy around money, but it's also educational for you parents out there who are wondering how to ensure that your children don't grow up with a sense of entitlement around finances.
In the interview, Kelly takes us through her early money memories and the reasons she hated focusing on money. She talks about what those 25 years of constant debt were like, and how she finally reached out to a financial coach who helped her reform her treatment of money.
Denise Duffield-Thomas is a money mindset mentor for the new generation of female entrepreneurs. Denise is committed to changing the way women think about wealth and money. Instead of losing belief or being intimidated, she inspires women to build their own definition of wealth.
One thing you'll have to come to grips with is that everyone has money blocks. We tell ourselves stories about why we shouldn't worry about money or pass the responsibility off to someone else. Maybe subpar math skills or preconceived ideas about gender roles are holding you back. Regardless, the time to break through your personal blocks is RIGHT NOW!
Denise obliterates money blocks, such as, "I can't have love AND money," or "I can't have a baby AND money." Often, stories and memories from our past serve as anchors and are the root of most problems. She is well-equipped to help others with this because she has built a valuable business and overcome these blocks herself. Listen and learn!
You can listen to the full episode at hilaryhendershott.com/111
At some point in your career, you are going to hear the word, "No." Rejection is unpleasant at best and can be crushing at its worst. What can we do to build up resilience to rejection, and allow ourselves to continue putting ourselves out there for the sake of our business? My guest today, Alex Grodnik, is going to share how he's been doing it for the past year as an entrepreneur. Alex is a credible, smart, and academically successful guy. I am excited to share his story with you.
Alex didn't start out wanting to start and grow his own business. From a very young age, Alex aspired to be an Investment Banker. He started out his career as an Analyst at JP Morgan but quickly found that the big Investment Banking job he always wanted was not for him. Alex then made the brave decision to pivot and look into developing his own business, even though the thought of failure nearly stopped him. Alex' story will teach us about choosing a different path, and many of Alex's life choices fall in line with what I want for us and our financial lives.
If anyone is scared to leave the comfortable job to venture out and create something new, you need to hear this interview. Alex has wisdom that will empower and encourage you to make that choice and change your life.
What You Will Learn in This Episode:
• Alex tells us the story of why he started out in investment banking, and what it was like to work as an analyst.
• What investment bankers actually do.
• How Alex made the shift into entrepreneurship through a podcast business.
• Alex shares what it is like to have a startup company.
• What the startup community is all about.
• How to take advantage of "Rejection Therapy" and hearing "No" each day.
• You need to not be afraid to ask for what you want.
• Be creative in order to turn a "No" into a "Yes."
You can live like a millionaire…even if you are short on cash! When I first saw the title of Marilyn Anderson's book, How to Live Like A Millionaire When You're a Million Short, I just knew I had to have her on the show. Her advice could quite possibly save you thousands of dollars.
Marilyn Anderson is an award-winning television and film writer, author and playwright. She wrote for numerous television shows including Murphy Brown, FAME, Sherman Oaks, and Facts of Life. She won a LUMINAS Award for the Positive Depiction of Women in Film and Television, and was honored by the Writers Guild of America as a writer of one of the 101 Best TV Shows of the past seven decades.
As a writer in LA, Marilyn experienced long stretches of time with little to no income. Despite that, Marilyn was still able to experience live theater, travel the globe, and wear designer labels. Her friends always asked, "How does Marilyn live?" Today, you are going to find out all her top tricks and tools! With a little research and creativity, Marilyn has managed to come up with methods that work. It's time to take some notes. You'll want to try out these suggestions as soon as possible!
What You Will Learn In This Episode
How to Live Like A Millionaire When You're a Million Short
Welcome to a special Mother's Day Episode of ProfitBoss Radio! I reached out to some friends who happen to be women, who happen to be business owners, who happen also to be mothers to ask them a few questions about motherhood. I admire each of these ladies more than words can express, and I felt very honored to have the chance to talk about motherhood and money matters. I was absolutely blown away by their responses, and I'll admit I was a bit choked up throughout these interviews.
Today's contributors are Emylee Williams, Courtney Townley, Amber Vilhauer, Jessica Rhodes, and Amber De La Garza. In this episode, you can expect honest answers and amazing advice from working moms who care about their families' futures. All of these women are alike in that they prioritize time with their kids, and want to include them in experiences that will build a healthy money mindset.
Here's to all the Mothers out there who love selflessly and teach fearlessly!
What You Will Learn In This Episode
Resources from the Show
Think Creative Collective
Grace and Grit Podcast
NGNG Enterprises
Interview Connections
Productivity Straight Talk
We've had plenty of questions rolling in from the ProfitBoss community, so now is a perfect opportunity to host another installment of #AskHillary! I'll give my best thoughts on handling our parents' money mindset, understanding the DOW Jones index, and several specific tax and retirement savings options. I will also tackle how to make the most of student loans, and how to save for life's big adventures.
Since we have adventure on our minds, I think now is a perfect opportunity to talk about Travel Rewards. With U.S. airlines expected to carry more than 600 million passengers on domestic flights this year and credit card debt levels exploding, we can expect airfare savings to be increasingly important in the months ahead.
Jill Gonzales is going to fill us in on how to make smart decisions about choosing a frequent flyer program. You will learn the difference between a frequent flyer program and a rewards credit card, and then understand just how the WalletHub study was done. There is a lot of useful information in this episode, so be prepared to take notes!
What You Will Learn in This Episode:
To help travelers make the best decisions for their wallets, the personal-finance website WalletHub today released its report on 2018's Best Frequent Flyer Programs, which ranks the 10 largest domestic airlines based on 23 key metrics, ranging from the value of a point/mile to blackout dates for rewards flights. WalletHub's report also features a custom calculator that allows users to personalize the results based on their own budgets. You can find a few highlights from those results below.
For the full report, including the custom calculator, please visit:
The Seven Stages of Money Maturity
Whatever your stance on Bitcoin might be, it is difficult to deny that it is changing the way we think about finances. Bitcoin is opening up a new standard of value for currency: protection. Today, I have my guest, Trace Mayer, on the show to give us some more detailed information about Bitcoin and why it is so important to have a working knowledge of cryptocurrency.
Trace isn't on a mission to sell you something; he is on a mission to inform the world about the exciting new frontier that is digital currency. His podcast, Bitcoin Knowledge is all about how digital currencies can bring you monetary sovereignty and security. I was surprised to find in this interview that we weren't actually talking about Bitcoin the whole time. Instead, we had a conversation about property rights, autonomy, and activism.
Trace is equipping ordinary people to take even more control over their finances by investing in something protected and supported. Generally, people have gaps in their knowledge around Bitcoin, and that can make investing a bit risky. Trace is going to spell out the risks and benefits of Bitcoin in a way that is easy enough for even a novice to understand. We certainly have much to learn from Trace, and I am excited to continue the Bitcoin conversation in the future!
What You Will Learn in This Episode
• Understand what it means to be a "digital native."
• Let's focus on the technical aspects of Bitcoin.
• The value of monetary sovereignty.
• We can understand Bitcoin better when we understand strong property rights.
• Why the inflation of currency is such an important topic.
• Trace shares some of the biggest moments in financial activism.
• We are building layers to the internet to support Bitcoin.
• Trace believes Bitcoin is here to stay.
• What you need to know about other cryptocurrencies.
Bitcoin Knowledge
Profit Boss® radio is all about connecting you to women who are empowering other women to have confidence in their finances. I cannot think of anyone who embodies that spirit like Jen Hemphill. Jen is a bilingual Latina military wife and mama who knows there's a lot more to financial freedom than spending less and saving more. After experiencing years of the numbers sliding sideways, even though she and her husband were doing "all the right things," Jen went on a journey to uncover some untraditional ways to empower herself financially. The result is the amazing Her Money Matters Podcast and now a brand new book!
Her Money Matters: The Missing Truths from Traditional Money Advice is a go-to guide for women with burning questions about money. It is a book about money specifically designed with women in mind, and Jen has so much wisdom to share with us about money mindset. I am not just excited to have Jen on the show to talk about the content of her book, but also the book-writing process. Publishing is such a mystery to many of us, so Jen is going to explain just what it takes to self-publish.
If you are interested in money mindset and the uncharted territory many of our money mentors have not dared to go, Jen is your lady! She is proof that when women take charge of their finances, good things happen.
What you will learn in this episode:
• Jen shares with us her unique message about money.
• Jen's role as a military spouse led her to want to create the podcast platform and a career that offered flexibility.
• The services that Jen offers for finance coaching.
• Everybody writes a book, but Jen decided to take advantage of the opportunity.
• Why Jen parted ways with her traditional publisher, and how the hybrid approach was right for her.
• A day in the life of book launching author!
• What makes up a launch team.
• What is missing from traditional money advice?
• Since Jen had her "Aha Moment," Jen has learned so many lessons about money.
• We often forget to acknowledge what we are doing well.
• There are different stages of budgeting.
• Your money mindset takes up 60%.
• Jen shares all about self-care.
• Let's talk about Negotiating!
• Get clear about your Dream Budget.
Link to Her Money Matters® podcast:
Her Money Matters Workbook
With hard work, a healthy money mindset, and the sheer force of determination, you can overcome insurmountable odds and find success. This is exactly the attitude of my guest, Nely Galan. Nely is a Latina media dynamo! As an immigrant with limited work experience, Nely worked hard to put herself through school and then rise through the ranks to become the media mogul she is today! Nely was the first female president of Telemundo, and she has produced over 600 episodes of television in both English and Spanish. She is an Emmy award-winning producer, working on shows like Fox's The Swan. All of these accomplishments are indeed impressive, but most of that work went on behind the scenes. I am excited for you to hear why Nely is stepping onstage to become an advocate for women's empowerment.
Nely's new book, Self Made, chronicles her journey in the media business as she started from nothing. Now, Nely wants to show women across the globe that we are capable of more than our society tells us we are. When women earn more and advance in their careers, our culture flourishes. Nely is spearheading efforts to educate, empower, and mobilize women from all nationalities and backgrounds to begin making waves in their industry. Today, Nely will share some of her best tips and techniques for starting over and becoming self-made. Make sure you listen to find out how to get resources for women-owned businesses right in your mailbox!
With so much experience and wisdom to share, Nely embodies what it means to be a ProfitBoss. You do not want to miss out on the practical tools and mindset shifts Nely is bringing to the table today.
What you will learn in this episode:
Resources from the Show
Get the Newsletter
Many Americans are walking around with a million dollar asset they didn't even know they had—Social Security. Love it or leave it, the U.S. has put Social Security in place to protect your future, and you need to be informed to make the most of it. My special guest today is Elaine Floyd. Elaine has made it her mission to make sure everyone knows how to utilize Social Security now to better ensure their future. She has spent much of her time assisting Baby Boomers when it comes to claiming benefits, but her years of experience have given her a perspective that is beneficial during every walk of life.
First up, in our newest edition of "Ask Hillary," I tackle some of your questions from the private Facebook group. We will discuss everything from planning finances with an irregular income to tracking expenses through automation. Because of your excellent questions, we get to cover a lot of ground with practical tools you can use in almost any situation.
Next on the docket, Elaine starts off by dispelling some of the most common myths around Social Security. We will discuss what it might mean for Social Security to be "bankrupt," and what some of the younger generations might expect in the future. Even though nothing is set in stone, Elaine believes that we need to be investing in and making the most of Social Security. On your path to financial freedom, you are going to want to utilize every asset you can. I am excited that Elaine is able to share her knowledge with the ProfitBoss Community today!
Elaine's Top Tips for Social Security
What You Will Learn from This Episode:
Resources Mentioned
Elaine Floyd
ProfitBoss Radio Episode 77: https://www.hilaryhendershott.com/77-7-steps-wealth/
ProfitBoss Radio Episode 84: https://www.hilaryhendershott.com/automate-financial-freedom/
Social Security Online
When it comes to taking control of your finances, many of us are seeking out new opportunities to make money. Flexible careers offer creative ways to make money on your terms. Thanks to technology, more and more companies are open to remote workers, telecommuting, or a hybrid between remote and in-office time. Now more than ever before, you can choose a career opportunity to fit your lifestyle so that you can finally have career happiness.
Here to help us better understand all of the flexible working opportunities available is Brie Reynolds. Brie represents FlexJobs.com, a website and job resource that curates all of the available flexible working opportunities from across the globe. You will be surprised to find that remote work opportunities are not just for transcription or customer service! You'll find listings like "Remote Neurosurgeon" and "Hybrid Business Administration" among their wealth of listings. Today, Brie will explain Flex Job's process, and why their site is unique. Flex Jobs truly has the job seeker in mind, so if you are looking for a bit more freedom in your schedule, this is the cite for you!
Flexible working is so much more than working from home. It also means that, if the employer is open, that you can work literally anywhere in the world. Financial freedom might look a lot like choosing your own schedule and work environment, and I think that is pretty great. Brie is on a mission to help you discover career happiness, and that is precisely what ProfitBoss Radio is all about!
What you will learn in this episode:
Resources from the Show
Flex Jobs
Everyone loves an unlikely success story. We are often told that anything is possible and these success stories give us all home to chase our dreams. Still, we need to make money and pay the bills. Dreams just don't feel very lucrative. Is it possible to turn your dreams into reality?
Today's guest embodies what it means to be an unlikely success. Cathy Heller didn't come from much, had a little education, and no idea about how to make it in a career. It wasn't likely that she would make it big in her career as a songwriter, but Cathy persevered. Using her creativity, Cathy figured out a way to market her skills by selling songs to Fortune 500 companies. Now, she has an incredibly profitable podcast, Don't Keep Your Day Job, where I have been a guest.
Today, I am turning the microphone on Cathy so that she can tell us how she found her unlikely success. Her biggest lesson for everyone is that, with a little ingenuity, we can turn almost any passion into a money-making enterprise. Cathy is going to share the scrappy actions and mindset shifts it took to make it in a competitive field. Never one to be content where she is, Cathy then turned her success into more opportunities to use her gifts. Now, Cathy represents other artists who want to license their music, teaches courses about licensing, and hosts a profitable podcast.
That may sound like a lot, but Cathy's unlikely success is about small steps in the right direction. It's about never settling for less than she is worth, and you and I can take that advice right to the bank.
What You Will Learn in This Episode:
Links in This Episode:
Don't Keep Your Day Job Podcast
Welcome to the 100th episode! It feels surreal that my initial dream to start a podcast has transformed into a movement of women taking ownership of their finances. While more and more women are feeling empowered by their wealth, a whopping 71% of women still have all of their money in cash. Investing feels like some kind of impenetrable black box, and for many of our listeners in the middle of their financial growth journey, it can be cost prohibitive to take advantage of a financial planner. I've been listening to you, the ProfitBoss community, and I have developed a service that will start your investment journey with the same level of service and confidence I give my own clients. Here it is: Ignite Investing!
Ignite Investing would not exist without the dedication and hard work of Jen Rupp. Jen has a degree in Economics and Finance, over a decade of experience in financial planning, and the same vision to help women start their investments with a strong foundation. Over the past 9 months, Jen and I have developed the Ignite Investment platform, a space for women to get the exact same premium service that we provide at Hilary Hendershott Wealth Management without the $500,000 savings minimum. You will have access to a custom portfolio, real-time investment advice, and the backing of several investment agencies that have withstood the test of time. If this sounds like the next step in your journey to financial freedom, you do not want to miss this episode. Jen and I are going to explain how Ignite Investing is not only possible but an incredible value as well.
The vision of the ProfitBoss Radio community is to empower women with tools to start making decisions about their finances. Ignite Investing is the natural next step for many of our listeners. Apply today, and start making your money work for you.
What You Will Learn in This Episode:
Links Mentioned in the Show
Loring Ward
Everyone has an opinion about sales, and for many, that opinion isn't very positive. However, if you're an entrepreneur, you're in sales! There's no way around that! Despite some reservations about it, we all know that a career in sales can be very, very lucrative. So if you're looking to increase your income this year, this episode of ProfitBoss Radio is a must-listen. Judy Hoberman is my guest today, and she is sharing with us her lessons learned from a 30-year career in sales.
What surprised me most about this interview is that Judy is very clear sales isn't about kitschy closing lines or being manipulative, it's about building a connection with people, asking the right questions and doing the right thing. You'll love the way Judy makes sales seem warm, friendly and accessible. Judy has experience in just about everything from education to insurance. She even did a stint as a roofer!
Now, Judy is transforming her years of experience into actionable tools that her clients can do to boost their sales. As always, her focus is never on building a script or crafting closers. Instead, Judy wants to take the very natural way that women can build trusting relationships and turn that into a selling superpower. Judy believes that, in a sense, everyone is in sales in some capacity, so I think every ProfitBoss listener will benefit from the incredible advice Judy is bringing to the show today.
What You Will Learn in this Episode:
Links Mentioned in the Show
@SellingInASkirt on Twitter and Instagram
We all know that real estate is a worthy investment, and on your path to financial freedom, you will likely enter into the complex process of selling or buying a home. When it comes to real estate, knowledge is power. That being said, very few sellers or buyers are actually doing their homework. We are also battling cognitive biases that will lead us down a dangerous path if we aren't careful. That is why I am so glad to have my guest, Aaron Hendon on the show today. Aaron is an award-winning, Seattle-based Realtor who is on a mission to educate buyers about the real estate process. His book, Shortchanged by Shortcuts? 44 Surprising Ways People Rip Themselves Off When Buying Or Selling Their Home outlines the common pitfalls we tend to fall into when buying and selling real estate.
You need to understand the transaction process in order to make the most out of real estate. When you think about choosing a Realtor, do you think about interviewing them as you would when hiring an employee? How do you know if your agent has your interests in mind? Is there such a thing as a discount broker? Aaron will answer these questions while busting a few real estate myths in today's informative episode. We will discuss the ways you can become a savvy home buyer and a confident home seller. A home is an enormous investment, and like all financial decisions, you want to be informed before you make your choice. Aaron is going to ensure that all ProfitBoss listeners stop making common real estate mistakes so they can start investing wisely.
What you will learn:
• Aaron is not trying to become a behavioral economist, but understanding the choices we make is still very important.
• How to understand cognitive bias.
• Aaron will teach you how to interview a Realtor.
• What you should do first when you want to sell your home.
• Why it is important to verify information your Realtors give you.
• How to think about the costs of selling a house and the merits of using an agent.
• The buyer is paying for the commission.
• It is critical to set the price of the home without the emotional weight of history.
• Aaron teaches us how to evaluate markets to compare the pricing of your house.
• How to consider all kinds of offers and how a good Realtor helps you navigate them.
• Understanding the asymmetry of information in the deal.
Links Mentioned
Shortchanged by Shortcuts? 44 Surprising Ways People Rip Themselves Off When Buying Or Selling Their Home
There can never be any secrets in money. Today, I have an amazing and compelling interview with Janet Lombardi, author of Bankruptcy: A Love Story. In 2007, Janet called her financial advisor for a routine check-in because she hadn't received her annual statements in the mail yet. What her financial advisor told her changed everything: He said, "The accounts are empty. Get an accountant, get an attorney, and get a private detective." This is Janet's account of the financial fallout that resulted from her husband's secret money mistakes.
I am thankful that Janet is willing to tell her story openly and honestly with the Profit Boss Radio audience. As you might have already guessed, the road to recovery was not an easy one. Janet is just as willing to offer up the lessons she has learned, as well as her own culpability in the situation. Janet had to do her homework. She was no longer able to deny the hard truths about money. What she found on the other end was a sense of empowerment and confidence when it comes to finances. I think her story will be inspiring to women who have always just referred to their husbands to handle finances. Knowledge really is power, especially when it comes to money.
Listen this week as Janet shares how she pieced together her life from bank statements and hidden documents. As a result, she's a bit of a source on personal finance! Sometimes, the most difficult and complex situations lead to the simplest conclusions. Know where your money is, and use it well!
What You Will Learn In This Episode
Janet Online
Ignite Investing
Bankruptcy, A Love Story by Janet Lombardi
One of the biggest steps we have to take on our journey to financial freedom is to decrease the burden of debt. Paying minimums can delay immediate problems, but debts can pile up quickly and might cause you to miss out on some of your dreams. I am bringing you a story today of a listener who found herself in considerable debt but was determined for it not to ruin her relationship or put a dent in her career goals. This is the story of Beck, a listener and member of the ProfitBoss community who worked hard and has had a huge financial turnaround. It just about a year and a half, Beck went from debt to wealth in a major way.
Beck started out her early adulthood with some damaged perceptions around money. Her father made some serious money mistakes but always tried to create a comfortable lifestyle for his family. Beck initially wanted to present an image of wealth and prosperity, even though she was paying for her lifestyle in credit. She was aware this was a problem but was unmotivated to take the drastic steps needed to get out of thousands of dollars of debt. When she started a relationship with her future husband and the pair moved to New York for work, Beck's debt could no longer be ignored.
Listen this week to find out how Beck got out of debt, learned to be a saver, and built up her confidence around money matters. She is proof that honesty about our financial situation has a massive positive impact on our relationships. Though she wanted to be perceived in a certain way, Beck now understands that her former life just didn't hold up with reality. Now, her lifestyle is supported by her means, and she enjoys her wealth without money becoming her master. If Beck's story resonates with you, I think this episode will be of particular encouragement to you. Beck is proof that when we steward our wealth well, we can be more prosperous than we could ever imagine!
What You Will Learn in This Episode:
Forming a healthy relationship to our finances is all about taking small steps towards our ultimate financial goals. No matter your income, I believe you have the capability to find financial freedom. If you are looking for a little financial peace today, then you are going to love my conversation with Rachel Cruz! Rachel has a down-to-earth, practical perspective on finances that comes from an early exposure to money management skills. That's right, Rachel's dad is the one and only Dave Ramsey, who revolutionized the world of personal finance for so many of us!
Growing up with Dave Ramsey, you might think that Rachel spent her days filling in spreadsheets and planning mutual funds, but she assures me that isn't the case. Instead, Rachel grew up with a healthy relationship with her finances and a desire to share that knowledge with others. Rachel has a natural love of public speaking, and even when she was still a child herself, she was sharing what she knew with those around her. Today, Rachel has published not one, but two bestselling finance books. She is teaching women all across the world how to be wise with their money and live financially free. It's not just about getting out of debt, though that is important! Rachel focuses on easy steps that you can take to make wise decisions with your funds.
Today, Rachel is going to give us an overview of her Love Your Life, Not Theirs: 7 Money Habits to Change Your Life. When you develop these habits, you will create for you and your family a sense of financial freedom like never before. These tools really work!
Show Highlights:
Love Your Life, Not Theirs by Rachel Cruze
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"It's obvious, isn't it? The place where your treasure is, is the place you will most want to be, and end up being."
~ Luke 12:34 (The Message)
At Waypoint, our goal is create a genuine and authentic community of faith following Jesus Christ. Therefore, we want to challenge people to follow Christ daily, and help us consider where we spend our money and our time as these are huge markers of discipleship.
We want to encourage you to participate in this mission financially, therefore there are many ways to give at Waypoint Community Church.
Ways to Contribute
- Online by credit or bank draft (Access your giving history)
- During our weekly offering through cash (non-contribution status) or check;
- By mailing a check to 1515 Mockingbird Lane Suite 7119, Charlotte, NC 28209
- Year-end giving and stock transfers (contact us for transfer documents)
- Link your Amazon account to Waypoint, and Amazon will donate 0.5% of every purchase through Smile.Amazon.com
Giving "is always a call to conversion. All are called into a new, more spiritual relationship with their needs and their resources."
~ Henri Nouwen
Waypoint is a 501(c)3 nonprofit organization and will provide contribution statements for all gifts. Please contact us if you have any questions, need account information for online billpay, or have any concerns.
Waypoint Community Church will be honest and transparent with contributions, cash positions, and personnel costs.

subset: commoncrawl


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On Saturday, October 24th members of Guardians of Justice joined scores of volunteers and participants (and a few other costumed characters!) for the Down Syndrome Association of Central Florida's annual walk Step Up for Down Syndrome Orlando. According to the DSACF Orlando is host to one of the largest walks in the nation and Saturday's Step-Up for Down Syndrome event was no exception. Even before the day of the walk their top five teams had already raised over $30,000.00!
The Step Up for Down Syndrome celebrates October as National Down Syndrome Awareness Month, and provides a public platform for advocacy. The one mile walk around Lake Eola in Downtown Orlando includes music, games, and community resources. The goal is to promote acceptance and inclusion; to raise funds necessary to develop innovative and effective programs locally; and to enable us to positively influence disability policy.
Batman, Red Arrow, Poison Ivy, Zatanna, Supergirl and Snow White cheered participants on while our very own Ghostbuster team member kept everyone safe from spooks. Tinkerbell was on hand to use a little pixie dust to ensure the walk went off without a hitch. Guardians would also like to extend a thank you to our very adept Handlers, Mike and Teresa, for being our official smile makers at this event and doing everything from taking photos for the crowd to grabbing bottled waters. We had the amazing opportunity to visit a lot of the amazingly, well-decorated team tents. Getting the opportunity to high five, take photos, and give hugs with all the great people out at the event was fantastic and one of our favorite experiences of the year.
We would also like to thank Jamie from local law-firm Lowndes, Drosdick, Doster, Kantor & Reed for providing our characters a secure, air conditioned area to get ready (and for providing parking for the volunteer staff of DSACF for this event).
Guardians of Justice cannot wait for the next walk, and we hope to see you all out with us next year!


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Extend your Network | Expand your Professional Prowess
Honor our Women Warriors | Enable Female Engineers
Support our Vets
Women In Defense Palmetto Chapter is seeking chairs to join our leadership team. Current open positions include Networking & Membership, Military Woman of the Year and Communications. If interested, please contact email@example.com.
WID PC is gaining new momentum! Thinking outside of the box, we are mixing it up with new networking events and leadership events. Remembering why we are here, WID PC strives to help women (and men) in the defense industry build their network while enabling our veterans, younger generations and women in the military. We have two annual fundraisers — Military Women of the Year, which both honors our woman warriors and raises money for our STEM scholarship as well as the Annual Oyster Roast benefiting Charleston's VA Fisher House. Our STEM scholarship program supports females pursuing STEM degrees — with two awarded every year — WID PC reserves one for a Veteran.


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The Glue Guys take a look at the realistic free agent scenarios for the Nets, whether Rondo/Lin/Anyone Else will be their PG, and if the Al Horford flirtations are being reciprocated. (40:30) News Around the League: Where does Kevin Durant end up, if Wade leaves where would he go, and whether it's smart for Golden […]
The Glue Guys: Game Five NBA Finals Review
The Glue Guys start with a look at where the Finals series is after Game 5, (9:50) the badness of Harrison Barnes, (16:30) Derrick Rose to the Nets, (23:00) how the Nets get a first round pick, (37:00) Zelda vs. Final Fantasy. Subscribe to the podcast here
The Glue Guys: Kenny Atkinson Impressions
The Glue Guys start with impressions of Nets coach Kenny Atkinson, (9:00) Kevin Durant's coming to Brooklyn, (11:00) Thunder-Warriors series, and (40:00) Title-Plotters: guessing the plot from the titles of the newest network shows. Subscribe to the podcast here
The Glue Guys: Nets Spring Fling
The Glue Guys skim over what we're watching with the Nets, Phil Jackson becoming half-coach of the Knicks, Game of Thrones spoilers, Rambo the Gator, and weird movies on Amazon Prime Video. Enjoy!
The Glue Guys Podcast: NBA Season Preview
The Glue Guys, joined by The Brooklyn Game's Devin Kharpertian, look at the Big Questions this season for the NBA Season Preview Pod. Who are the 2nd best teams in the East & West, which team has the biggest chip on their shoulder, the One Big Crazy Prediction and who will do better: Knicks vs. […]
Gallery: Ex-Nets in the NBA playoffs
While the Brooklyn Nets honorably bowed out against the Hawks in six games, there are plenty of ex-Nets that played crucial roles for their new teams in the playoffs. Here's a quick look at those former Nets and what they've been up to in the NBA Playoffs.


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Does it feel as if your prayers are stuck or are you finding it harder to hear from God? This may be because of unforgiveness in your heart. Learn how to forgive—for real and forever—in this speech from the National Day of Prayer. Find out more now on Dr. James Dobson's Family Talk.
Many remarkable stories have been handed down to us from World War 2: Stories of survival, stories of standing up to wickedness, and stories of doing the right thing in the midst of evil. On this classic edition of Family Talk, Corrie Ten Boom shares a story that includes all those elements and more, yet it's also a story of love and forgiveness. Don't miss the inspiring conclusion on Dr. James Dobson's Family Talk.
Hear from one of the greatest heroes of the Christian faith as Corrie Ten Boom shares her story of life in a Nazi concentration camp. Despite the cruel treatment she experienced, she shares a message of love and forgiveness. Tune in for her inspirational and life changing story on Dr. James Dobson's Family Talk heard.
Keeping your love on--It's a hard thing to do. Sometimes it's the hardest thing to do. But if you want to build healthy relationships with God and others, learning to Keep Your Love On is non– negotiable. Danny and Sherri Silk return to explain how you can have a love that stays on no matter what. That's now on Dr. James Dobson's Family Talk.
For ten years, Danny and Sherri Silk struggled to make their marriage work. Now, they travel the world helping others heal and strengthen their relationships. On this edition of Family Talk, they join Dr. Dobson to share how they overcame that rocky beginning and learned how to keep their love on. Learn more about this God-centered approach to relationships here on Dr. James Dobson's Family Talk.
A father's heart is the best gift that he can give to his children at any age. Here on Family Talk, Dr. Dobson and Dr. Tim Clinton share more touching stories to remind us of the importance of a father's love. Don't miss their great conversation and their sound advice for fathers everywhere. Tune into Dr. James Dobson's Family Talk.
The word "father" brings up so many different images. There are the stories we see in movies and TV, the father you had—or maybe didn't have—in your home as a kid, or even the kind of father you are compared to the kind of father you want to be. Now on Family Talk, hear about the life-long impact fathers have on their children. Get great information, advice and stories about fathering today on Dr. James Dobson's Family Talk.
It was called the "Women's Lib" movement and we were told it would free women from oppression, but now on Family Talk with Dr. James Dobson, we'll hear Phyllis Schlafly (FILL-is SHLAFF-lee) explain what the leaders of the feminist movement really wanted—to "free" women from home, husband, and children. Learn how to reject the lies of feminism in your own life, now on Family Talk with Dr. James Dobson.
Now on Family Talk with Dr. James Dobson—feminist lies EXPOSED, by the legendary conservative leader, Phyllis Schlafly (FILL-is SHLAFF-lee). She'll explain how feminist leaders weren't interested in increasing economic benefits for families by encouraging women to enter the workforce—they simply disdained the role of the full-time homemaker. Have you let feminist lies infiltrate YOUR home? Find out now on Family Talk with Dr. James Dobson.
In this world of mixed-up gender roles and political correctness, what did God really intend when he made us male and female? Find out on this episode of Family Talk with Dr. James Dobson when we'll dive into this controversial topic with a conservative icon, Phyllis Schlafly (FILL-is SHLAFF-lee). If you know a 20-or-30-year-old woman caught up in the lies of feminism, give her a call and have her tune into Family Talk with Dr. James Dobson.
It's important to vote in the upcoming election, but the most important thing believers must do is pray fervently for the future of our nation. The real battle is a spiritual one, so Anne Graham Lotz calls warriors to their knees to fight for this country. Hear more about the Daniel Prayer and how it can change the world, now on Dr. James Dobson's Family Talk.
Daniel prayed a prayer of desperation for his people, his culture, and his homeland, and God brought them back from exile. Anne Graham Lotz shows us how we can cry out to God with that same desperation to heal our land. Learn how you can pray the prayer that moves heaven now on Dr. James Dobson's Family Talk.
We all remember our mom's advice to never hold a grudge. Well, your mom was right. On this edition of Dr. James Dobson's Family Talk, Dr. Dobson, and guest, Dr. Arch Hart, tackle the issue of how resentment and anger can actually kill you. Turn over a new page, practice forgiveness, and find new peace.
If you're tired of feeling frazzled and not sleeping, and you feel like you can't keep up with life, don't miss this edition of Dr. James Dobson's Family Talk. The busyness of your hectic schedule could not only be affecting your family life, but it could actually be killing you. Manage the stress before it manages you.
You're stuck in traffic, late to work, and still don't know who is going to get Johnny to soccer practice. Pause. Take a breath, and make the time to tune into this edition of Dr. James Dobson's Family Talk, as Dr. Dobson talks to Dr. Arch Hart about how the daily rat race affects your health AND your family. Hear a practical conversation about simplifying life.
In most Hollywood movies, love is all about following your heart and just doing what feels good. Today on Family Talk, Dawson McAllister counters that with the Bible's description of love. For most people, choosing a spouse is the second most important decision they'll ever make, so it's important to get it right. Learn what God has to say about true love on Dr. James Dobson's Family Talk.
Jim and Carol Perry joined Dr. Dobson are in the studio to talk about a proposed change to the Colorado Constitution that would bring Universal Health Care to the state. This would mean higher taxes and less individual control of health care decisions. As they warn, this could very well spread to other states soon, so we invite all listeners to tune in and get informed on this episode of Dr. James Dobson's Family Talk.
Do you ever think it's hard to hold on to strong relationships? Now on Dr. James Dobson's Family Talk, we'll consider whether or not that's because we expect our friends to be perfect, when we are FAR from it. Learn how to find a friend, and more importantly, how to BE one, on this edition of Dr. James Dobson's Family Talk.
Wives, are you depending TOO much on your husband to meet your emotional needs?
Jesus directed us to 'go forth and make disciples', yet only 1% of church leaders think churches are doing a good job of disciplining new and young believers. Joe White joins Dr. Dobson to talk about his program to equip an army of believers to help others grow in their faith and take the message of God everywhere they go.
Jesus directed us to 'go forth and make disciples', yet only 1% of church leaders think churches are doing a good job of discipling new and young believers. Joe White joins Dr. Dobson to talk about his program to equip an army of believers to help others grow in their faith and take the message of God everywhere they go.
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Simplex Spelling Phonics 1 Word Lists
The majority of the words for Simplex Spelling Phonics 1 were taken from the top 1000 most frequently occurring words in the English language, but does not include the Dolch words lists which are covered in our other spelling app Simplex Spelling HD. These high frequency words were then supplemented, where required, with additional other common English words based on word/spelling patterns to help enforce the concepts within each lesson.
top, not, on, onto, into, spot, to, go, icon, so
1] Short a (a)
bag, bad, sad, sat, hat, gas, act, band, camp
2] Short a (a)
fact, flat, sand, stand, past, glad, plan, plants, grant
3] Short o (o)
job, mop, hop, prop, drop, crop, gone, cost, lost, lot, slot, soft, loft
4] Short i (i)
bit, fit, hit, sip, tip, trip, list, win, kin, skin
5] Short u (u)
dug, rug, bug, bus, fun, gun, bun, sum, cup, plus, hunt, dust, rust, trust
6] Short e (e)
led, web, wet, met, yet, felt, held, west, rest, test
7] Short e (e)
pen, hen, den, end, send, spend, step, sent, spent, kept, else
8] Long a (a_e)
base, case, care, ape, cape, lane, late, rate, state, safe, scale, trade, waste
9] Long a (ai)
tail, rail, fair, gain, pain, paint, train, wait, aid, paid, laid, raid, afraid
10] Long a (ay)
bay, hay, lay, pay, pray, clay, stay, tray, railway, gray (grey*) (grey**)
11] Long o (o_e)
dove, drove, stove, broke, broken, joke, poke, pole, hole, hope, rope
12] Long o (o_e)
note, vote, close, close, nose, rose, spoke, stone, bone, tone, lone, alone
13] Long o (oa)
oats, oak, soak, soap, loaf, load, float, coast, toast, board
14] Long o (ow)
row, low, mow, bow, blow, slow, flow, glow, grown, crow
15] Long i (i_e)
dive, drive, live, alive, vine, fine, mine, nine, wipe, wise, rise
16] Long i (i_e)
pile, mile, tile, tide, wide, wife, wire, tire (tyre*), entire, side, inside
17] Long u (u_e)
cube, cute, mute, mule, fumes, fuse, muse, amuse
18] Long e (ee)
deep, feed, feel, free, fleet, meet, week, seem, seen, steel, speed
19] Long e (ea)
deal, eat, beat, heat, hear, ear, dear, fear, clear, ease, east, least
20] Long e (ea)
mean, meat, real, tea, pea, plea, flea, sea, seat, speak, steam, team, near, year
21] Short o (a)
wan, wand, wasp, swap, swan, swab, swat, salt, halt, false, talk, stalk
22] Double Letter Endings
hall, mall, wall, tall, till, bill, fill, fell, sell, shell
23] Floss Rule (Double Letter Endings)
miss, pass, less, dress, class, cross, across, fitness, cliff, stiff, staff, refill, install
24] sh
shop, ship, shape, shake, share, sheet, shut, rush, cash, crash, fresh, finish, publish
25] th
path, than, thin, thus, cloth, clothes, month, method, within, without, teeth, breathe, beneath
26] ck
kick, lick, tick, sick, sock, rock, neck, pack, truck, thick
27] qu
quiz, quit, quite, quilt, quick, queen, equal, square, liquid
28] ch
inch, rich, chin, chips, chop, chose, cheek, chest, chalk, bunch, brunch, lunch, speech
29] er
ever, river, silver, winter, enter, fiber (fibre*)(fibre**), meter (metre*)(metre**), member, chapter, rubber, teacher
30] tch
fetch, catch, match, patch, scratch, itch, ditch, witch, switch, ketchup
31] ng
sung, stung, clung, king, spring, string, strong, belong, living, length
32] ar
art, arm, bar, barn, star, yard, dark, sharp, farther, apart, apartment
33] or
nor, born, sort, short, shore, core, cord, corner, order, forth, forest
34] y ending
lady, tiny, body, copy, army, easy, enemy, empty, fifty, ability
35] Soft g
age, huge, page, stage, danger, charge, large, logic, giant, gigantic, gym
36] Soft c
force, cent, center (centre*) (centre**), city, citizen, ice, nice, face, race, space, dance, instance, recycle
37] x
fox, fix, mix, tax, taxi, exit, exam, extra, expect, exactly
38] oo
foot, book, cook, hook, shook, hood, stood, wool, woof, wooden
39] oo
zoo, zoom, boot, choose, cool, pool, tool, room, moon, noon, afternoon
40] ir
sir, stir, shirt, squirt, firm, chirp, circus, circle, birth, third, thirst
41] ur
burn, turn, return, occur, current, church, during, further, surface, surprise
42] y endings on words containing a soft c, or soft g
icy, spicy, policy, fancy, mercy, energy, allergy, analogy, apology, legacy, agency, strategy, democracy
* UK spelling.
** Canadian spelling


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This car's owner wanted to get rid of the flake in the paint that the previous owner had sprayed on. Plastidip was sprayed over the car in about 7 coats which left the car with a new look and no more visible flakes!
We used:
- 3 gallons of matte black
- 1 light coat to begin
- 7 thick coats on top with 15-20 mins drying time in between coats
We are Plastidip and vinyl wrap installers in the Greater Toronto Area! Please contact us for quotes on your Toronto or Mississauga Plastidip Installation!


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Ricoh has established the "Group's Environmental Goals" for 2050 based on the Paris Agreement, international agreement adopted at COP 21 to address the issue of global warming, and conducts business activities to be able to achieve the goals. Also, Ricoh has joined RE100*, a global initiative network of companies committed to use 100% renewable electricity, marking a first for Japan. As part of these efforts aimed at a zero-carbon society, the Center operates experimental research projects on energy management for individual offices and buildings, while also beginning to expand the target of these projects to cover the entire district, seeking to optimize energy use as a whole.
Our plan is to build a system that monitors energy demand for each facility in the district in terms of volume, location and hours, compares the data with energy generation status, and controls power distribution within the entire district so as to optimize supply-demand balance.
* RE100:Companies collaborating in this global initiative seek to source 100% renewable electricity.
* The above shows a conceptual image of an energy flow model
Local-production-for-local-use model covering a range of processes from deliberate tree thinning to generating energy from it
Collaborating with the local government and forestry companies, we have simultaneously achieved forest management, CO2 emissions reduction and energy creation. We will create a recycling model for woody biomass energy that utilizes unused thinned wood in Gotemba, and will introduce this "Gotemba model" across the country to contribute to regional revitalization.
Power generation system that utilizes water flows in various locations
A micro hydroelectric power generation system utilizes numerous water flows that exist as an unused resource in agricultural fields, town area, buildings and factories. We are planning to develop a model that integrates the waterwheel and motor mechanisms to enable water power generation even from low flows and small height differences, which is difficult with conventional technologies, in order to construct locally produced and locally used energy infrastructure.
Complete solid-state dye-sensitized solar cell with high conversion rate even from indoor lighting
We produce a safe and durable solar cell that enables stable and permanent operation of sensors without any external power supply from a wall socket or battery. The cell is expected to be a clean and smart independent power source to contribute to spread of the Internet of Things (IoT).
Control to optimize lighting and air-conditioning operations using indoor environment sensors
The system manages the information obtained via sensors such as lightness, human occupancy and temperature in the cloud, and controls lighting and air-conditioning operations to appropriate levels. It allows for the effortless improvement of energy efficiency while achieving energy conservation, comfort and convenience levels all at once.
Energy conservation and creation interlocking control system
This system is for more than just saving electricity for buildings and plants; it aims to optimize energy usage for the entire facility through interlocking control of power conservation, creation and distribution. We also plan to incorporate clean energy generation functions, focusing on solar power, micro hydroelectric power and other systems suitable to building and plant facilities.
Saving energy for existing equipment such as pums and fans in buildings and plants
This system has been developed to conserve energy required to operate air-conditioners in buildings and plants as well as factory equipment, such as pumps and fans. The system employs a sensor-linked variable-frequency drive, in place of the conventional fixed-frequency inverter control, to optimize facility equipment operations and also to maximize energy conservation effect.
Space-saving, high-efficiency plant cultivation system
Housed in a facility refurbished from a previous clean room and equipped with generalized products to save costs, this laboratory specializes in research on plant cultivation technologies. The research function focuses on developments directed at high value-added cultivated plants, such as the rapid growth of plants using ultrafine bubbles and light control for improved antioxidant effect. We are also working on minimizing the power consumption through energy-saving lights for cultivation and utilizing unused energy sources.
Generating and extracting oil and metal from waste plastic components
Toner cartridges and bottles are difficult to recycle as they are soiled by toner and contain metal parts. We recycle such waste plastic components as a resource by dissolving them using heat. We plan to further advance this recycling technology to build our model for resource and energy recycling as a structure of local production for local use.


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Mealey's (May 1, 2019, 1:55 PM EDT) -- PHILADELPHIA — A Pennsylvania federal judge on April 29 allowed most expert testimony for a man who filed a class action against a county and its prison for publishing his mugshot...
Prison Experts Can Testify In Class Suit Over County's Online Inmate Search Tool
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This is going to be a quick tutorial with mostly pictures.
Honestly it is kind of embarrassing to post my process because it is so messy and unprofessional. But I want to make a point.
Even as messy and badly done as it is, it still looks great with the outfit and gets the point across. And I MADE it from SCRATCH. Without a pattern. And I am very proud of that.
To make River Song's gun belt I started with a $5 brown leather jacket from the thrift store.
I spent a movie or two picking it apart with my Seam ripper. I ended up with strips like this:
Which I cut, shaped, and sewed into something that resembled a belt. See?
Then I took the larger panels of the jacket and cut them into squares and cut out the pockets. I sewed the two largest pieces to a small skinny piece to form a larger bag.
Here is a closer view:
And a view inside:
Then I sewed on a flap to give it the right look:
Here is a good picture of the pocket I stole from the jacket to give me more storage space in the bag:
This shows you how big that pocket actually is:
And I didn't have to add the snap because it was already installed on the jacket!
I also added (poorly, I might add) a few loops to keep the bag in place on the belt. If I'd done this correctly they would have been put on first. ..
I then stole the belt buckle from another belt and sewed it on. I also fitted the leather "hole" section inside the belt to give it a little more toughness.
Then I sewed a small pouch with a strap for the gun holster. I cut a hole in the belt and then sewed the crap out of it to reinforce it. Then I sewed the loop in the right height.
Not the greatest when you look up close, but overall it had the look it needed, it didn't take a super long time (maybe 8 hours?), and it cost less than $10.


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use slash-join to restore membership system
Member StoriesDiscussion
Authored by Ronald-Peter Stoferle via The Mises Institute,
The ongoing "World War of Currencies", as the German journalist Daniel D. Eckert called it, the battle for the future of the world monetary system is not a shallow action film but more like Game of Thrones – a complex series with hundreds of actors and locations, stretching over decades and demanding full concentration from the viewer.
By Ronald-Peter Stöferle
The bottom line is that what has been true for decades still applies. The US dollar continues to enjoy the confidence of markets, governments, and central banks. But faith in the US dollar weakens a little every year. Europe, China, Russia and many small countries set new initiatives every year to make themselves independent. And gold, too, plays a major role in this slow departure from the US dollar. But for the world financial system, none of their currencies offer a viable, fully-fledged alternative to the US dollar yet, which is why any news of the death of the US dollar is definitely exaggerated...
Authored by Daniel Lacalle via DLacalle.com,
The ECB is creating a dangerous bubble and should not have cut rates by 10bps nor added a new purchase program of €20 billion per month.
1) Eurozone states are already financing themselves at negative rates. There is no need for lower rates and this disguises real risk.
This has saved governments more than 1 trillion euro in interest expenses (handelsblatt.com/today/finance/…)
2) The ECB has not abandoned its stimulus. It repurchases all maturities, launched a liquidity injection (TLTRO) in March 2019 and balance sheet stands at almost 40% of eurozone GDP.
3) Excess liquidity is 1.7 trillion euro. More liquidity does not lead agents to spend/invest more.
There is no higher solvent credit demand because monetary policy perpetuates overcapacity and zombifies the economy. Share of zombie companies has soared c30% since 2013. (BIS)
To all those investors with intense exposure to the Euro right now, you may want to rethink your options.
Authored by M.K. Bhadrakumar via IndianPunchline.com,
The meeting of the foreign and defense ministers of Russia and France in the 2+2 format in Moscow on September 9 signified not only a warming up of relations between the two countries but a reset in Russia's ties with the West.
The last time a Franco-Russian event in the 2+2 format took place was in October 2012 in Paris. A year later, the conflict erupted in Ukraine and the European Union imposed sanctions against Russia. The trajectory since then appears to be reversing its course.
The first signs appeared during the G7 summit in Biarritz on 24-26 August where the schism between the West and Russia significantly narrowed. The US President Donald Trump announced that he intended to invite Russian President Vladimir Putin to next year's G7 at Miami.
Any possible thaw in European and US relations with Russia, is a very positive thing right now; Macron should be applauded for taking these steps.
The European Central Bank has unveiled fresh stimulus measures to bolster the eurozone, including cutting a key interest rate.
The deposit facility rate, paid by banks on reserves parked at the ECB, was already negative, but has now been cut from minus 0.4% to minus 0.5%.
The ECB also said it was re-starting quantitative easing. It will buy €20bn of debt a month from 1 November.
The eurozone's main interest rate has remained unchanged at zero.
Israeli Prime Minister Benjamin Netanyahu announced on Tuesday his plans to annex the Jordan Valley in the West Bank as an election promise if he wins next time.
"Today, I announce my intention, after the establishment of a new government, to apply Israeli sovereignty to the Jordan Valley and the northern Dead Sea," Netanyahu said in a speech broadcast live on Israeli TV channels.
The prime minister said, however, that the move would be done after publication of a long-awaited US peace plan and consultations with US President Donald Trump.
Around 65,000 Palestinians and 11,000 Israeli settlers live in the Jordan Valley, according to the Israeli human rights group B'Tselem. The main Palestinian city is Jericho, with around 28 villages and smaller Bedouin communities.
For their part, the EU said they did not recognise any changes made to the pre-1967 borders and called any settlement plans "illegal under international law".
The creation of a UN "Commissioner for Protecting our European Way of Life" has sparked outrage across Europe, after the new role which will oversee immigration policy was announced by incoming EU commission president Ursula von der Leyen.
The new position, to be filled by Greece's EU commissioner, Margaritis Schinas, was unveiled along with the rest of von der Leyen's new cabinet at a Tuesday press conference in Brussels.
While Von der Leyen said the new Commission cabinet was "as diverse as Europe is," critics have noted that all of its members are white, while calling the new commissioner position "fascist," according to The Independent - which couldn't find a single person in support of the new role for a quote.
"This looks like the portfolio to fight back against the rise of the fascists, but only by adopting their divisive rhetoric around 'strong borders'," British Green MEP Molly Scott Cato told The Independent.
I'm terribly sorry, but the 21st century people displaced in the Middle East, have been displaced by wars, coupled with a searing lack of economic opportunities in their own countries.
The first intelligent thing to do is stop all the wars of conquest in which the US government is utterly, and painfully, complicit. If people feel they can thrive at home, and do not feel that they, or their families are threatened, they will most likely stay in their home countries.
Why is the concept of "diversity and personal excellence" so hard for the EU to grasp?!? Why have they not developed a "merit system", as Australia has adopted, which would insure that Europe gets "the best of the best", coupled those new citizens having a genuine desire to embrace their adoptive country's laws and cultural norms?!?
Folks, this isn't rocket science; this is how you build countries, and vet immigrants in the 21st century, period, end of discussion.
Will outgoing ECB president Mario Draghi's "swan song" decision - the one in which he is widely expected to cut rates deeper into negative territory and resume sovereign and/or corporate QE - be a bazooka or a waster pistol? That's the question.
Markets currently fully price in a 10 bps reduction in the deposit rate to -0.5% with just over a 40% chance of a deeper cut of 20 bps.
Of the 70 economists polled by Reuters, around a quarter look for a 20bps reduction with the remainder looking for 10bps. Elsewhere, the survey noted that almost 90% of respondents expected a resumption of bond purchases as of October with a touted monthly amount of EUR 30bln". In order to mitigate the impact of deeper negative rates on the Eurozone banking sector, around 90% of those surveyed look for some form of tiering system.
The European Union will create a new defence and space arm to help fund, develop and deploy armed forces, the bloc's incoming chief executive said on Tuesday, naming an ally of French President Emmanuel Macron for the role.
EMMANUEL MACRON's dreams of building a common EU army were crushed by incoming European Commission President Ursula von der Leyen yesterday, who ruled out the creation of any such force.
Denmark is recognized as one of the most socially and economically developed countries in the world, which enjoys a high standard of living as well as high metrics in national performance, protection of civil liberties, and the lowest perceived level of corruption in the world, has announced that it will be boosting military contributions to missions around the world, including joining the United States in its illegal and unauthorized deployment in northeastern Syria.
The sovereign and proud nation of Syria has neither invited nor does it accept any foreign invaders on its land and has repeatedly demanded that all foreign forces leave on their own before they are forced out. Syria is highly committed to liberating every inch of its land from terrorist control whether that be domestic or foreign, and protecting its territorial integrity.
The only thing I can think right now is, which high Danish government official got "so badly compromised" that they felt compelled to promise these actions for the US and NATO?!?
Russian energy major Gazprom plans to pump twice as much gas into European storage than last year, while Moscow and Kiev have not still agreed on the terms of a new transit contract.
We will be forced to open the gates. We cannot be forced to handle the burden alone," Turkish President Recep Tayyip Erdogan warned on Thursday while demanding that European countries give political support to his controversial 'safe zone' plan in northern Syria.
Ankara is currently in tense negotiations with the United States over Erdogan's plan to militarily carve out a large swathe of territory along the Turkish-Syrian border which would serve as a buffer zone of sorts where US-backed Kurdish militias could not operate.
Erdogan said one million refugees could settle in the new buffer territory, thus alleviating the crisis on Turkish soil, and ultimately for Europe as well.
Turkey sees the YPG core of the Syrian Democratic Forces (SDF) as a terrorist extension of the outlawed PKK. Turkey has of late vowed to carve out the proposed 'safe' territory on a unilateral basis if it can't make progress with Washington.
And right now, the US government and military are in overwhelm elsewhere, a reality upon which Edrogan is counting heavily to have tipped his hand with this threat.
"He is a man who voted against every single piece of EU legislation.
"He voted against Maastricht, he voted against Lisbon, time and time again.
"He has said that we must uphold the results of the EU referendum.
"Time and time again he has said that he's on the side of democracy and vindicating the will of the people.
"And what do we see now? He has been converted with his Momentum activists trying to take over the streets.
"Converted into the agent of those who would subvert democracy and overturn the will of the people."
The brutal response came after Mr Corbyn accused the Prime Minister of failing to put forward proposals to the Brexit impasse before MPs.
The Government was defeated by a margin of 328 to 301 votes in what was a major victory by Remain rebels over the under-pressure Government. Those MPs will now take control of parliamentary business tomorrow and attempt pass legislation which would prevent a no deal Brexit on October 31. This would see Mr Johnson make a humiliating climbdown by forcing him to return to Brussels and ask the European Union to delay Brexit until January 31, 2020 if no agreement has been reached and MPs have not approved a no deal withdrawal.
The humiliating defeat is a huge blow for Mr Johnson, who may now likely call a snap general election to take place in six weeks time - despite being Prime Minister for less than two months.
BORIS JOHNSON has suffered a crushing defeat after rebels voted in favour of a motion designed to block a no deal Brexit, leaving the Prime Minister's plans in tatters and making it almost certain he will call a snap general election for October 14.
By Lubomir Tassev
Cryptocurrency enthusiasts and businesses in the industry have had to put up with regulatory uncertainty for quite some time. The strong desire to tap into their incomes and profits goes hand in hand with failure on behalf of authorities and regulators to fully understand the nature of decentralized digital assets. Not to mention how absurd the reluctance to legalize something they want to tax anyway. Cases in Portugal show that it's hard to positively know what exactly traders, investors and companies owe the state. Luckily, the narrow scope of the local tax legislation means they have to pay less than in other countries...
Op-Ed by Titus Gebel
If one mentions in a discussion that Liechtenstein's political system could possibly serve as a model for Germany, one usually reaps scorn and ridicule. If you dig a little deeper to find out what they know about Liechtenstein, the result is usually: little to none.
For example, Liechtenstein is the only country in the world to allow its communities to secede and thus grants self-determination by virtue of the Constitution...
By Tyler Durden
This is the full transcript of speech delivered by Margrethe Vestager, the European Union Antitrust Chief, held at the Business Forum of the German Ambassadors' Conference, Berlin, 27 August 2019:
Ladies and gentlemen,
It's a great pleasure, and an honour, to be here with you today. I want to thank Heiko Maas for those kind words, and for inviting me to join you.
I'm especially glad to have the chance to meet with you, who represent Germany's 230 diplomatic missions around the world, as well as German industry. Because all of us here have an important role to play, to prepare Europe's economy for the challenges of the future.
Britain said on Monday it would end European Union freedom of movement rules immediately after it leaves the bloc on Oct. 31 but Prime Minister Boris Johnson said the country would not be hostile to immigration.
By B.N. Frank
In 2017, Swiss doctor Bertrand Buchs launched a petition asking for a moratorium on installation and many doctors and scientists have already signed it.
Worldwide opposition to 5G is growing and includes individuals and organizations concerned about other issues associated with this technology in addition to biological and environmental risks. Regardless, 5G continues to be installed and operated in the U.S. and around the world even though it's been reported that people and their pets have been getting sick from exposure. This is now also being reported in Geneva, Switzerland...
NORWAY's local elections are less than a month away and a rule could see up to 350,000 immigrants legally vote in the Scandinavian country.
Writing for the newspaper, Jason O'Toole suggests that a pact of the four nations – Ireland, Northern Ireland, Scotland and Wales – would be similar to the Scandinavians with their Nordic Council.
He says Wales and the rest could mimic the inter-parliamentary co-operation between Sweden, Denmark, Iceland, Finland, Norway, Greenland and other smaller islands.
"There would no doubt be countless benefits if we replicated their model, such as with trade agreements and unrestricted borders, which would solve the Irish backstop," Jason O'Toole.
"And it would collectively make us a much stronger power within the EU too.
Hungarian Justice Minister Judit Varga has announced that she will be starting an investigation into censorship of political views on social media in Hungary and across Europe.
The Hungarian minister made her announcement on social media platform Facebook over the weekend, saying she would be creating a "working group" within the ministry to "investigate the possibilities for a legal environment to ensure the transparency of social media service providers – both on EU and national level."
"Originally their job would not be to influence societal processes and elections by censoring comments on an ideological basis, however, if they had done it once they shall accept the necessity of the regulation and follow the rules of democracy," she added.
John Bolton, following his first meeting with Prime Minister Boris Johnson in London, took aim at the EU for prolonging the Brexit process and not respecting the result of the 2016 referendum. Mr Bolton called the EU's bluff and insisted its refusal to re-negotiate the failed withdrawal agreement was a ploy to "make the peasants vote again and again". Mr Bolton said: "The fashion in the European Union is when the people vote the wrong way from the way the elites want to go, is to make the peasants vote again and again until they get it right.
Pope Francis said that citizens of European nations should put the good of Europe before that of their own countries in a remarkably frank interview Friday.
Swedish Justice Minister Morgan Johansson criticised a Polish Member of the European Parliament who suggested Swedes were fleeing to Poland due to mass migration.
Polish MEP Beata Mazurek, a member of the conservative Law and Justice Party (PiS), criticised Sweden's migration policy, saying: "Assassinations, increased crime, rape, fear, and sharia zones. These are the consequences of multiculturalism and open doors for immigrants. Swedes are fleeing their country to find peace and normality in Poland."
Far-left groups have been accused of targetting and attacking tourist areas in Spain, including a recent attack on cars hired by tourists on the island of Mallorca.
Marxist youth group Arran took credit for the attack, posting a video on them painting Communist hammer and sickle symbols on the vehicles before smashing the windows and slashing the vehicles' tyres, Il Giornale reports.
BREXIT PARTY leader Nigel Farage has predicted "a massive rupture" inside Europe following Britain's no deal departure - and revealed which EU leader he thinks will bring down the Brussels project.
The American envoy to Germany recently came under fire for his numerous statements criticising the German government's actions with respect to the Nord Stream 2 project and reluctance to participate in US military endeavours.
US Ambassador to Germany Richard Grenell has harshly criticised German military spending in an interview with German news agency DPA, claiming that Berlin abuses its friendship with Washington.
"It is really insulting to expect that the US taxpayer pays for more than 50,000 Americans in Germany, but the Germans use their trade surplus for domestic purposes", he said.
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Suspect killed in SF police shooting had armed robbery record
The brother of a man killed by San Francisco police in a barbershop shootout Wednesday can't understand why his sibling would fire first on officers.
Tariq Eid, 18, idolized his older brother, Jehad Eid, who he said set an example of discipline and hard work. The family of the 21-year-old from Suisun City is searching for answers on what would lead him to allegedly open fire on police in a chaotic shootout that left five others wounded, including an officer and a teenager.
On Wednesday, police said they returned fire only after Jehad Eid — who was on probation for a 2015 armed robbery — shot at them inside the Amazon Barber Shop at the corner of London Street and Geneva Avenue in San Francisco's Excelsior neighborhood.
Officers had come to the area around 4:30 p.m. Wednesday on a report of a man with a gun, officials said. Police were called by one of Jehad Eid's family members, according to a source familiar with the investigation. Some of the people who work at the barbershop are related to him, Tariq Eid said.
"I've seen the cops shoot people in videos on Twitter, but I never thought my brother would be one of those people," he said. "I just can't believe it."
Jehad Eid came with his family to America when he was a baby from the Palestinian territories. They first settled in San Francisco, where Tariq Eid was born, and eventually moved to Fairfield around 10 years ago. The family now lives in Suisun City. Jehad Eid went to Fairfield High School and recently worked at a Metro PCS store in the city. He enjoyed making customized shirts, honoring people who had died with the acronym "RIP."
"He was an artist," Tariq Eid said.
The scene at the barbershop Thursday morning was remarkably different than that of a little more than 12 hours prior.
Shop owner Vladmir Shteynberg cleaned up blood at the century-old barbershop, which is decorated with framed black-and-white photos, and a police inspector used a hammer, chisel and jigsaw to free bullets lodged in the floor and walls.
Barbers and customers who witnessed the gun battle were hanging out Thursday, loudly recounting the previous day's drama as things began returning to normal.
"We're going back to work," Shteynberg said. "Tomorrow will probably be a normal day."
John, a regular at the barbershop who did not want his last name used, arrived with half a haircut Thursday morning. He was in the middle of getting a fade when the shooting started.
The suspect, he said, was sitting on a black couch near a corner at the end of the shop, from where he opened fire after police identified him.
An officer, he said, tried to get the suspect's attention by calling out, "black White Sox hat."
"When he said, 'White Sox hat,' that's when that little dude pulled a gun out and popped twice. Pop, pop," John said. "Immediate chaos. Immediate chaos broke."
In the front of the shop, the barber in the first chair, Ernest "Doc" Conway, was shot in the thigh. He was treated at San Francisco General Hospital and was expected to go home soon, Shteynberg said.
The barber in the fourth chair, Abdel Wahhab, had three broken bones from bullet fragments in his foot and will require additional surgery. Bystanders dragged him screaming into a pharmacy next door as police flooded to the scene.
A teenage victim, who Shteynberg said would hang out at the shop after school in hopes of learning the trade, was hit in the ankle and is recovering.
A barber who did not want to give his name said he was giving a haircut when the shooting started. He crouched behind his chair and was unharmed as bullets whizzed past his head and struck the wall a couple of feet away.
"I was standing here cutting hair, saw the cops walk in, next thing you know all I hear is shots," he said. "I ducked down. As soon as the opportunity came, I moved."
The barber bolted for the back of the building, where the children of a regular customer were eating pizza in a back room.
"This is a neighborhood barbershop. It's a good barbershop," he said. "Decent human beings come in here. We got officers, firemen — priests come in here."
On the way out the back, the barber said, he felt the suspect's body drop against him.
The shooting, like all officer-involved shootings in the city, is under investigation by the San Francisco Police Department's homicide detail and Internal Affairs Division and by the San Francisco District Attorney's Independent Investigations Bureau and the Department of Police Accountability.
Investigators did not immediately say whose shots injured the victims inside the shop.
Police will be holding a town hall meeting within 10 days of the shooting to meet with community members and release more details of the investigation.
Tariq Eid said he is skeptical about accounts of the incident and refused to believe his brother initiated the gunfire.
"My brother did not have that mentality to shoot first," he said. "He was a caring person."
Evan Sernoffsky and Jenna Lyons are San Francisco Chronicle staff writers. Email: firstname.lastname@example.com, firstname.lastname@example.com Twitter: @EvanSernoffsky @JennaJourno


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Ditex DS-1609 16KG/0.08S
Ditex DS-1609 16KG/0.08S
The DITEX TD1609S servo delivers 162 Ncm (8,4V) at a speed of 0,08sec / 60° and includes all the innovative DITEX technologies. These servos are perfect for everything from 3D helicopters, giant scale aerobats and monster scale models where ultimate reliability, strength and flexible programming are required.
DITEX servos are powered by premium coreless motors that offer high torque and speed. The servos provide telemetry data and are fully programmable (via USB adapter and DITEX Manager software). They offer users the option of personalized user settings.
- Telemetry Data capable
- Full-Digital Function
- Multi-Voltage
- High Precision " DITEX" digital encoder
- 16 bit positioning
- Digital-Signal-Processor with 80Mhz
- High-End Coreless Motor
- Full-Metall Gears
- Only Ballbearing
DITEX: Telemetry Update Process
Weight [g]63Dimensions [mm]40 x 20 x 37Supply Voltage [V]4.8 ... 10Torque (6V) [kg/cm]11.3Torque (7.4V) [kg/cm]13.2Torque (8.2V) [kg/cm]16.2Speed (6V) [s]0.111Speed (7.4V) [s]0.052Speed (8.2V) [s]0.046MotorCoreless DCGearbox materialmetalOutput shaft25-teeth Spline (Futaba compatible)


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Collegian News: Pianist Anthony Chen (Class of 2013)
By Emily Leong, Music Department
The Lev Vlassenko Piano Competition and Festival is a major Australian piano event, held biennially in Brisbane. It provides talented Australian and New Zealand based performers between 16 and 30 with a major platform to develop professionally and artistically, and to compete for substantial cash prizes.
Collegian Anthony Chen was awarded 3rd prize after being chosen as one of four competitors to play piano concerto with the Queensland Symphony Orchestra. This was Round 4, after competing in 3 earlier rounds (Round 1: 20min recital, Round 2: 25-35min recital, Round 3 50-60min recital).
Anthony also won the People's Choice, the Queensland Symphony Orchestra Vote, and the Best Performance of Australian Work.
The quality of the piano playing in this elite competition is phenomenal. Competitors often continue onto international competitions and becoming international performers following the success in this competition.
Congratulations, Anthony, on this wonderful achievement!
Editor's note:
As documented in his Valete entry (extracted below) in the 2013 Radfordian, Anthony's substantial involvement in Music at Radford was just part of his "all round" contribution and achievement in his senior years:
Prefect; BSSS Award Performing Arts 2013; Peter Casson Award Music 2013; College Award 2012; International Geography Olympiad 2012; Subject Awards Music 2010 & 2011, Music (T) 2013, Physics (T) 2013; Attitude and Application Award 2009; Rowing - Contribution Award 2010; Chamber Choir - Excellence Award 2013; Senior Jazz Ensemble; Symphonic Wind Ensemble; Keyboard Accompaniment - Excellence Awards 2012 & 2013; LMusA Piano 2012; Musical Theatre - Service Award 2013; Y12 Revue; Service Learning - L'Arche Disco, Relay for Life, Youth in the City.
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9490 Cuyamaca Street
Santee, CA 92071
Tel 619-988-5483
If you are looking for a fun, high energy, romantic night out, this is the place!
Live theater with cabaret seating (tables and chairs) adds a comfortable intimacy where you can enjoy an evening out with three of your friends at a table while experiencing the finest in musical, theatrical entertainment.
Now offering shows for its 8th Season, Off Broadway Live brings some of San Diego's finest singers and actors together on stage.
You will laugh, you may cry, but you will be entertained by these theatrical stories of love & friendship; often times hilarious, but sometimes tragic lesson of life and love.
The Live Band dinner show, ENCORE Supper Club is a high powered show that you can not find anywhere else, and we have it at Off Broadway Live!


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Patanjali was registererd back in 2006 as Patanjali Ayurved Limited. The journey of patanjali started back in 1997 as a small pharmacy in Haridwar by Swami Ramdev Ji. Lets know more about Patanjali Business model.
Owned by Acharya Balkrishna. He is the CEO and Director of the company. The company was started on 13 january 2006 along with Baba Ramdev. The net worth of Acharya Balkrishna is 70,000cr and he is the eight richest person of india. He is not any MBA student but he is more successful than a MBA student. While being a richest person he do not take any salary from the company.
How They Started? – Patanjali Business Model
Patanjali Food & Herbal Park – It is the world largest food park started with an investment of 500cr. It is spread across 100 acres. This project provided jobs to 6k people.
Patanjali Group has three parts :
- Patanjali Ayurved Limited – Patanjali Ayurved Limited has a market share of Rs 9346cr. This deals in the FMCG. Baba Ramdev is the person behind FMCG growth.
- Divya Pharmacy – It has a market share of Rs 870cr and deals in ayurved medicine.
- Patanjali Gramodhyog Limited – It has a market share of Rs 345cr and deals in cloths.
All of these have different shares in the market. Around 80% of the products are manufactured in-house and 20% of the products are outsourced. Currently they are manufacturing edible oils, biscuits, noodles, hair oil, toothpaste, skincare product and groceries, cosmetic products, babycare products, dairy products.
Patanjali Ayurved Limited got a boom when Baba Ramdev came out as a Brand Ambassador. They do not compromise with the quality this is the key to success.
When we talk about patanjali investors Patanjali hardly had any investors. Because Patanjali had a huge advantage of follower base which initially helped to grow in a short time. Patanjali Food and Herbal Park was established under the Mega food park scheme of the Indian government.
Source – Quora
We can conclude that Patanjali made a revolution in the ayurvedic world. Generally you have every thing on patanjali and if they follow the current Patanjali Business Model they will succeed in future.
Make sure like this content | For more updates follow us on Instagram & Facebook.
Paytm Business Model – https://trendygyan.com/patym-business-model/


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Notification of flare demonstration
You can use this form to notify AMSA of your intention to hold a demonstration of a distress signal or device (eg flares) that could be mistaken for a real distress situation.
You must ensure this form arrives approximately one week before your planned demonstration.
Submitting the form
You can submit this form to:
Joint Rescue Coordination Centre
Australian Maritime Safety Authority
GPO Box 2181
Canberra City ACT 2601
Fax: 02 6230 6868
Email: firstname.lastname@example.com
Last Updated:
2 December 2019


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New exemption regulations regarding German courses at the GLC
Starting with the academic year 2019/2020, we will no longer provide placement tests at the German Language Center.
However, it is still possible to get exempted from one or all levels of German (GERL101-GERL302).
A waiver for a certain level will be granted when a student presents a language diploma according to the specifications of the CEFR (Common European Framework of Reference). Only diplomas from the following providers will be accepted: Goethe Institute, ÖSD (Österreichisches Sprachdiplom), Telc gGMBH, TestDaF, Deutsches Sprachdiplom der Kultusministerkonferenz (DSD) (accredited institutes by the German government providing exams according to the CEFR).
Furthermore, students can be exempted by presenting a certificate from one of the following German partners (see below) for the GJU summer language course scholarship. The certificate has to show a "pass" for a certain course (and not just "attended"). Only certificates from the following partners will be accepted:
1. Universität Kiel
2. Technische Universität Dresden
3. IIK Düsseldorf
4. IIK Berlin
5. Universität Leipzig
6. Universität Passau
7. Universität Mainz / Studienort Germersheim
All official language certificates and course certificates must not be older than 12 months at the time of enrollment in a German class at the GLC.
What certificate entitles to enroll in which course?
- An A1 certificate allows you to enroll in German II (GERL102) if passed with a grade between 60% and 79% (total)
- An A1 certificate with a grade of 80% or higher allows you to enroll in German III (GERL201).
- An A2 certificate allows you to enroll in German IV (GERL202) if passed with a grade between 60% and 79% (total)
- An A2 certificate with a grade of 80% or higher allows you to enroll in German V (GERL301).
- If you pass one to three parts of the B1 exam, you can enroll in German V (GERL301)
- A complete B1 exam (all four parts passed) allows you to enroll in German VI (GERL302)
A certificate from one of our official German partners (as listed above) allows you to enroll in the following levels:
level according to CEFR
corresponding course at GJU
B1.1 or higher
The language course certificate must contain the following information:
- Contact information of the institute/university
- Number of contact hours
- Duration of the course
- The achieved language level at the end of the course according to the CEFR
All official language certificates and course certificates must not be older than 12 months at the time of enrollment in a German class at the GLC.
What is the procedure to receive an exemption?
Students should present the original language certificate or the course certificate in the week before registration week or in the registration week at the secretary of the German Language Center. The exemption for a certain level is granted as described above. However, the student has to register for the upcoming term, otherwise the exemption will be taken back and the student has to present the certificate again when they want to enroll (given that the certificate is still valid).
After the registration week we will no longer accept certificates for enrollment in the current term.
Under which circumstances can a student be exempted from all German language classes (German I to German VI) at GJU?
When a student presents a B2 certificate or higher they can be exempted from all German courses offered at the GLC. The certificate may not be older than 24 months at the time the exemption is granted. The following certificates are accepted:
- Goethe- certificate B2; C1; C2
- ÖSD- certificate B2; C1; C2
- TestDaF-level 3; -level 4; -level 5
- telc Deutsch B2; C1; C2
- Zentrale Mittelstufenprüfung des Goethe-Instituts (ZMP)
- Zentrale Oberstufenprüfung des Goethe-Instituts (ZOP)
- Kleines Deutsches Sprachdiplom des Goethe-Instituts (KDS)
- Deutsches Sprachdiplom der Kultusministerkonferenz (DSD), Stufe C1
- Deutsche Hochschulreife (Abitur) or Fachabitur
- UNIcert II; III; IV
German native speakers might also be exempted.
Certificates that allow a student to get exempted from all German courses must be presented at the International Office at the time the student officially applies for the German year.
To ensure that all students have the proper German language skills (B1) when they travel for their German year they have to show verifiable proof that they were enrolled in a German course in the 12 months prior to their departure to Germany. The course may be taken on campus or off campus.
For example, if a student passed the B2 exam more than 12 months before the start of their German year, and was subsequently exempted from all German courses, they have to show a certificate of participation in a language course at the B1.2 level or higher.
Presentation of a B1 certificate (or higher) significantly increases the chance to receive a scholarship for the German year. Accepted certificates are listed in section 3.
More information regarding scholarships for the German year can be found here:
The GLC will offer one last placement test on July 7, 2019 – only for German 6 and only for students on the outgoing list of the International Office for September 2019.
To register for this placement test please come to office F-016 (Frau Margarethe Nofal) in person on July 1 or July 2.
The following items are required for registration:
- Passport
- Language certificate showing your passing grade of a course (B1.1 or higher). The course must have been for at least 45 hours and must have started after you finished your last German course at GJU.