text:
Many of us (myself included) like to have a bit of cover for the tops of our arms and this doesn't change when it comes to The Dress on the big day. We've seen requests for wedding dresses with sleeves grow each year. Thankfully this is one trend that's here to stay.
I think there's something incredibly elegant and alluring about wedding dresses that are less revealing. Gone are the days when we have to have everything on show to up the glamour stakes.
Beautifully tailored wedding dresses mean you can have it all... coverage and hotness (yip we still want to look hot on our wedding day!).
Vintage wedding dresses often have lace, sheer or detailed sleeves and are the original trend setters. If you'd prefer to bare a little bit of skin then consider having your vintage dress made backless. BOOM... now you have it all!
Images to Inspire You
Image by Clary Pfeiffer via Style Me Pretty
Image by Donja Pitsch for Glamour Espana via Buzzfeed
Image by Phil Chester via Green Wedding Shoes
Image by David McClelland via One Fab Day
Image via Vogue Espana
Image by Joel Bedford Photography via Wedding Chicks
Image by Dan O'Day via Nouba
Image by Elisabetta Marzetti via Love My Dress
Image by Arina B photography via Green Wedding Shoes
Image via Vogue France
Image via Vogue France
Image via Wedding Party
Image by Kate Ignatowski via Style Me Pretty
Styled Photoshoots Featuring Dirty Fabulous Vintage Wedding Dresses
Vintage Wedding Dresses with Sleeves In Stock
Prices range from €480 to €950
Give us a call on +353 (1) 611842 or email firstname.lastname@example.com


text:
John 20-21 New International Version (NIV)
The Empty Tomb
20 Early on the first day of the week, while it was still dark, Mary Magdalene went to the tomb and saw that the stone had been removed from the entrance. 2 So she came running to Simon Peter and the other disciple, the one Jesus loved, and said, "They have taken the Lord out of the tomb, and we don't know where they have put him!"
3 So Peter and the other disciple started for the tomb. 4 Both were running, but the other disciple outran Peter and reached the tomb first. 5 He bent over and looked in at the strips of linen lying there but did not go in. 6 Then Simon Peter came along behind him and went straight into the tomb. He saw the strips of linen lying there, 7 as well as the cloth that had been wrapped around Jesus' head. The cloth was still lying in its place, separate from the linen. 8 Finally the other disciple, who had reached the tomb first, also went inside. He saw and believed. 9 (They still did not understand from Scripture that Jesus had to rise from the dead.) 10 Then the disciples went back to where they were staying.
Jesus Appears to Mary Magdalene
11 Now Mary stood outside the tomb crying. As she wept, she bent over to look into the tomb 12 and saw two angels in white, seated where Jesus' body had been, one at the head and the other at the foot.
13 They asked her, "Woman, why are you crying?"
"They have taken my Lord away," she said, "and I don't know where they have put him." 14 At this, she turned around and saw Jesus standing there, but she did not realize that it was Jesus.
15 He asked her, "Woman, why are you crying? Who is it you are looking for?"
Thinking he was the gardener, she said, "Sir, if you have carried him away, tell me where you have put him, and I will get him."
16 Jesus said to her, "Mary."
She turned toward him and cried out in Aramaic, "Rabboni!" (which means "Teacher").
17 Jesus said, "Do not hold on to me, for I have not yet ascended to the Father. Go instead to my brothers and tell them, 'I am ascending to my Father and your Father, to my God and your God.'"
18 Mary Magdalene went to the disciples with the news: "I have seen the Lord!" And she told them that he had said these things to her.
Jesus Appears to His Disciples
19 On the evening of that first day of the week, when the disciples were together, with the doors locked for fear of the Jewish leaders, Jesus came and stood among them and said, "Peace be with you!" 20 After he said this, he showed them his hands and side. The disciples were overjoyed when they saw the Lord.
21 Again Jesus said, "Peace be with you! As the Father has sent me, I am sending you." 22 And with that he breathed on them and said, "Receive the Holy Spirit. 23 If you forgive anyone's sins, their sins are forgiven; if you do not forgive them, they are not forgiven."
Jesus Appears to Thomas
24 Now Thomas (also known as Didymus[a]), one of the Twelve, was not with the disciples when Jesus came. 25 So the other disciples told him, "We have seen the Lord!"
But he said to them, "Unless I see the nail marks in his hands and put my finger where the nails were, and put my hand into his side, I will not believe."
26 A week later his disciples were in the house again, and Thomas was with them. Though the doors were locked, Jesus came and stood among them and said, "Peace be with you!" 27 Then he said to Thomas, "Put your finger here; see my hands. Reach out your hand and put it into my side. Stop doubting and believe."
28 Thomas said to him, "My Lord and my God!"
29 Then Jesus told him, "Because you have seen me, you have believed; blessed are those who have not seen and yet have believed."
The Purpose of John's Gospel
30 Jesus performed many other signs in the presence of his disciples, which are not recorded in this book. 31 But these are written that you may believe[b] that Jesus is the Messiah, the Son of God, and that by believing you may have life in his name.
Jesus and the Miraculous Catch of Fish
21 Afterward Jesus appeared again to his disciples, by the Sea of Galilee.[c] It happened this way: 2 Simon Peter, Thomas (also known as Didymus[d]), Nathanael from Cana in Galilee, the sons of Zebedee, and two other disciples were together. 3 "I'm going out to fish," Simon Peter told them, and they said, "We'll go with you." So they went out and got into the boat, but that night they caught nothing.
4 Early in the morning, Jesus stood on the shore, but the disciples did not realize that it was Jesus.
5 He called out to them, "Friends, haven't you any fish?"
"No," they answered.
6 He said, "Throw your net on the right side of the boat and you will find some." When they did, they were unable to haul the net in because of the large number of fish.
7 Then the disciple whom Jesus loved said to Peter, "It is the Lord!" As soon as Simon Peter heard him say, "It is the Lord," he wrapped his outer garment around him (for he had taken it off) and jumped into the water. 8 The other disciples followed in the boat, towing the net full of fish, for they were not far from shore, about a hundred yards.[e] 9 When they landed, they saw a fire of burning coals there with fish on it, and some bread.
10 Jesus said to them, "Bring some of the fish you have just caught." 11 So Simon Peter climbed back into the boat and dragged the net ashore. It was full of large fish, 153, but even with so many the net was not torn. 12 Jesus said to them, "Come and have breakfast." None of the disciples dared ask him, "Who are you?" They knew it was the Lord. 13 Jesus came, took the bread and gave it to them, and did the same with the fish. 14 This was now the third time Jesus appeared to his disciples after he was raised from the dead.
Jesus Reinstates Peter
15 When they had finished eating, Jesus said to Simon Peter, "Simon son of John, do you love me more than these?"
"Yes, Lord," he said, "you know that I love you."
Jesus said, "Feed my lambs."
16 Again Jesus said, "Simon son of John, do you love me?"
He answered, "Yes, Lord, you know that I love you."
Jesus said, "Take care of my sheep."
17 The third time he said to him, "Simon son of John, do you love me?"
Peter was hurt because Jesus asked him the third time, "Do you love me?" He said, "Lord, you know all things; you know that I love you."
Jesus said, "Feed my sheep. 18 Very truly I tell you, when you were younger you dressed yourself and went where you wanted; but when you are old you will stretch out your hands, and someone else will dress you and lead you where you do not want to go." 19 Jesus said this to indicate the kind of death by which Peter would glorify God. Then he said to him, "Follow me!"
20 Peter turned and saw that the disciple whom Jesus loved was following them. (This was the one who had leaned back against Jesus at the supper and had said, "Lord, who is going to betray you?") 21 When Peter saw him, he asked, "Lord, what about him?"
22 Jesus answered, "If I want him to remain alive until I return, what is that to you? You must follow me." 23 Because of this, the rumor spread among the believers that this disciple would not die. But Jesus did not say that he would not die; he only said, "If I want him to remain alive until I return, what is that to you?"
24 This is the disciple who testifies to these things and who wrote them down. We know that his testimony is true.
25 Jesus did many other things as well. If every one of them were written down, I suppose that even the whole world would not have room for the books that would be written.
Cross references:
New International Version (NIV)
Holy Bible, New International Version®, NIV® Copyright ©1973, 1978, 1984, 2011 by Biblica, Inc.® Used by permission. All rights reserved worldwide.
Acts 1:3 New International Version (NIV)
3 After his suffering, he presented himself to them and gave many convincing proofs that he was alive. He appeared to them over a period of forty days and spoke about the kingdom of God.
Cross references:
New International Version (NIV)
Holy Bible, New International Version®, NIV® Copyright ©1973, 1978, 1984, 2011 by Biblica, Inc.® Used by permission. All rights reserved worldwide.
Acts 2:22-35 New International Version (NIV)
22 "Fellow Israelites, listen to this: Jesus of Nazareth was a man accredited by God to you by miracles, wonders and signs, which God did among you through him, as you yourselves know. 23 This man was handed over to you by God's deliberate plan and foreknowledge; and you, with the help of wicked men,[a] put him to death by nailing him to the cross. 24 But God raised him from the dead, freeing him from the agony of death, because it was impossible for death to keep its hold on him. 25 David said about him:
"'I saw the Lord always before me.
29 "Fellow Israelites, I can tell you confidently that the patriarch David died and was buried, and his tomb is here to this day. 30 But he was a prophet and knew that God had promised him on oath that he would place one of his descendants on his throne. 31 Seeing what was to come, he spoke of the resurrection of the Messiah, that he was not abandoned to the realm of the dead, nor did his body see decay. 32 God has raised this Jesus to life, and we are all witnesses of it. 33 Exalted to the right hand of God, he has received from the Father the promised Holy Spirit and has poured out what you now see and hear. 34 For David did not ascend to heaven, and yet he said,
"'The Lord said to my Lord:
Cross references:
New International Version (NIV)
Holy Bible, New International Version®, NIV® Copyright ©1973, 1978, 1984, 2011 by Biblica, Inc.® Used by permission. All rights reserved worldwide.
Acts 13:33 New International Version (NIV)
33 he has fulfilled for us, their children, by raising up Jesus. As it is written in the second Psalm:
"'You are my son;
Cross references:
New International Version (NIV)
Holy Bible, New International Version®, NIV® Copyright ©1973, 1978, 1984, 2011 by Biblica, Inc.® Used by permission. All rights reserved worldwide.
You'll get this book and many others when you join Bible Gateway Plus. Learn more
Starting your free trial of Bible Gateway Plus is easy. You're already logged in with your Bible Gateway account. The next step is to choose a monthly or yearly subscription, and then enter your payment information. Your credit card won't be charged until the trial period is over. You can cancel anytime during the trial period.
Click the button below to continue.
You've already claimed your free trial of Bible Gateway Plus. To subscribe at our regular subscription rate, click the button below.
It looks like you're already subscribed to Bible Gateway Plus! To manage your subscription, visit your Bible Gateway account settings.
Upgrade, and get the most out of your new account. An integrated digital Bible study library - including complete notes from the NIV Study Bible and the NKJV MacArthur Study Bible - is just a step away! Try it free for 30 days.
Three easy steps to start your free trial subscription to Bible Gateway Plus.

subset: commoncrawl


text:
Why I Roast My Turkeys Breast DOWNposted by Andrea | 11/11/2015
While I would never consider myself a "master chef" or even a "really amazing cook", I do enjoy being in the kitchen and trying new recipes and ideas. I also like finding simple solutions to improve the taste of my food and reduce the amount of time I spend in the kitchen.
And since Thanksgiving is only a couple weeks away, I thought I'd share one of the super simple (yet slightly unconventional) things I often do to help my turkey meat come out nice and juicy every time.
For starters, I always roast my turkeys in an Oven Bag — in fact, I can't even remember the last time I roasted a turkey (or a chicken) without a roasting bag.
The bags are very inexpensive, they are available at most grocery stores (or online), they save your oven from boatloads of grease splatters, and they almost assure your meat will turn out extremely moist and juicy.
As you probably guessed by the title of my post, another slightly unconventional tip I use is to roast my turkeys breast DOWN.
This allows all the juices to flow down through the white meat and keeps it nice and juicy! (The dark meat is still very juicy too)
As you can see by the 2 photos below, roasting the turkey with the breast down is not nearly as pretty as when it is roasted breast up… but since I almost always carve the meat off the bones before I bring it to the table, it really doesn't matter much what the bird looks like coming out of the oven.
I'm positive Martha Stewart would not approve — but my dinner guests have never once complained!
And the extra juicy meat is fabulous for freezing and using later in soups, stews, casseroles, and more! (Read how I make the most out of a whole turkey in this post)
Although I've roasted many turkeys these past 9 years, Dave and I are actually hosting our first Thanksgiving party this year… and you can bet I'll be using this tip to assure our turkey meat is fall-off-the-bone delicious!
Have you ever roasted a turkey breast down?
Filed under: Food • Holiday Foods • Tips and Tools • Misc.
- Labels:: main dish
Leave a comment
15 comments
I always use oven bags! I love them for Turkey, chicken and even pot roast. I host Thanksgiving and I have never had a dry turkey.
Lauren D11/11/2015
You encouraged me to thaw my turkey (on super sale from last year) and cook it up this weekend! What temperature do you cook it at? I'm cooking it breast side down too for the first time! I will report back on its deliciousness!
Andrea Reply:
November 12th, 2015 at 11:03 am
Yay for turkey! The cooking time depends on the weight of the turkey and if you are going to stuff it or not (I never stuff mine) so just follow the instructions on the cooking bag (or on the turkey) and you should be all set!
Lauren D Reply:
November 19th, 2015 at 2:36 am
The turkey I made last weekend breast side down and in a bag was AMAZING!! It was the most moist white meat! It does cook faster in the bag as well. Just follow the instructions in the box and good to go! My 16lb turkey took 3 hours. Yummm! I also softened 1.5 sticks of butter and mixed into the butter some dried oregano, basil and sage. About 1 TBSP of each and rubbed the top and bottom of it while in the bag! Thanks for making our turkeys tastier, Andrea!
Annette Robinson11/11/2015
Hi Andrea. I have a question regarding your turkey-cooked-in-a-bag. Are you able to save the drippings to make the gravy from the bag?
Katie P.11/11/2015
Yes! I don't make a lot of turkeys but I make whole chickens all throughout the year and always roast breast side down! Much better white meat this way — I totally agree! (Usually do mine in the crock pot).
Does cooking the turkey in the bag change the cooking time at all? Does it cook faster or slower? Are there any other changes to the normal cooking process by cooking it in the bag?
Normally, I don't used a cooking bag, but I do roast my turkey "Breast Down". If it is a smaller turkey (12-14lbs), I turn it over to "Breast Up" about halfway through the cooking process and it browns the skin nicely for presentation or some crunchy "Skin Snacking".
Julie Reply:
November 12th, 2015 at 1:55 pm
I do the same thing, both with turkeys and with whole chickens. Works wonderfully!
My grandparents always made turkeys this way, too! Delicious!
JoAnn C.11/11/2015
I've been doing this for years. In fact lately, over the last five years, I cook my turkey breast side down in the slow cooker/crock pot. The oven bags as well as the slow cooker bags keep mess to a minimum and help keep the bird juicy.


text:
LED Drops
The team at Central Church Miami in Miami, FL contacted LightPixel Designs to help them redesign their stage and help make it more modern with the use of LEDs.
They designed and provided the following set for them. The total installation only took half a day.
Equipment Used:
3 – LightPixel Designs Pixlar RGB (27ch DMX controller)
12 – Pixlar 1000 (1-meter-long RGB profile with diffusion)
14 – Pixlar 1500 (1.5-meter-long RGB profile with diffusion)
52 – Mounting Screws
26 – LightPixel Designs RJ45 Couplers
Various lengths of RJ45 Patch Cables
3M Command Strips
Project Details:
The back wall was divided equally to make the spacing between each strip equal, making installation easy. The spots for each strip were marked with tape and then, using a level, the strips were mounted to the wall. The strips will hold up with just command strips, but due to the humidity they chose to reinforce it with two small screws – one in the top and one in the bottom. The strips already have the mounting holes for the screws to go into. To save money, the command strips could have been omitted and screws could just be used.
After the strips were on the wall, it was just a matter of connecting them with RJ45 patch cable. One end goes right to the strip using a coupler while the other plugs directly into the controller. The controller has an optional power supply built in and is addressable to any value using an on board LCD menu.
Their goal with all of their products is to make it as simple as possible, which is why they use RJ45 patch cable eliminating screw terminals, soldering, and crimping. They also got rid of the DIP switches making it super simple to set the address using an on board LCD screen.
They provided the client with the rendering below as well as the instructions on how to assembly it.
The Pixlar RGB pictured here is a high density RGB profile. It features their signature RJ45 already attached, which can be adapted for any controller you may already own. Each unit comes in standard sizes such as 0.5m, 1m, and 1.5m; they can also make custom sizes if required. Each strip features 72 RGB 5050 LEDs per meter and runs off 12v.


text:
Serviced Apartments
Arties is a delightful two-storey holiday cottage at Marrawah on Tasmania's far north west coast. It is set back from the road on three acres, providing relaxing self-contained accommodation at the gateway to the Arthur Pieman/Tarkine Conservation Areas. Peaceful and quiet, the cottage features a full kitchen, laundry with washing machine and clothes dryer, games room and barbeque facilities. Three bedrooms sleep up to six guests.Arties is a perfect base for the observation of abundant native wildlife, rainforest walks and off-road four-wheel drive expeditions. Other local activities include fishing (rock, surf, river, and estuary), canoeing, surfing, wind surfing, wave sailing, Arthur River Boat Tours, Kings Run Tasmanian Devil/Wildlife Tours, a visit to the Mount Cameron aboriginal area and Dismal Swamp.Arties is also just a few minutes from the Marrawah General Store and Marrawah Hotel.Marrawah is a peaceful farming area on the rugged far northwest coast of Tasmania. The town is known for its awesome surfing, breath-taking southern beaches, amazing coastal walks, good fishing and opportunities to find highly-prized abalone shellfish on the rocks. River cruises and canoeing are available at the mouth of the Arthur River just a short drive ...read more


text:
Arriving home from Theo's swimming lessons last night, I (Hilary) checked the mailbox before heading up to the house. Amid the bills, junk mail and a photo radar speeding ticket — damn you, Sherwood cops! — was an envelope from the Yamhill County Planning Commission. Inside was fantastic news! We finally received our conditional use permit to build a tasting room on our estate vineyard — and a winery, too, in the distant future.
Roots' tasting room will be quaint — and in our detached garage — but it will be ours! We are so excited to share it with you once it is complete. Fingers crossed, we hope to open before summer's end. Stay tuned to this blog for updates on its construction. Cheers!


text:
Shipping charges are not included in the price of the product and the charges are determined by the size of your order in total cost. Customers will be notified via email if extra shipping or handling charges are required.
Domestic shipping via JNE estimated at IDR 50,000,-
International shipping via EMS estimated at IDR 500,000,-
The first shipment for pre-ordered items will be on the first week of May. All customers will be notified via email when the items have been dispatched.


text:
Please click anywhere to continue browsing our site.
Shop For TiresBack To Tire Brands
Caring for Customers' Safety & Satisfaction
Your tire search stops here at Whitman's Tire & Service Center. We carry an extensive stock of Nexen tires for customers in Haleyville, Hackleburg, and Double Springs, AL. We are the go-to Nexen tire supplier in the area for our second-to-none selection.
The Nexen Tire Company was established in 1942 in Korea under the name Heung-A Tire Company. Nexen Tire was recognized as the first Korean tire company in 1956. Nexen Tire began focusing on radial tires and formed an alliance with OHTSU Tire & Rubber to further develop production capabilities in 1985.
Over 60 years later, Nexen Tire continues to grow, opening a second manufacturing plant in 2003 to begin producing performance tires, and a third manufacturing plant in China in 2007 to meet product demand.
Shop our online tire catalog to browse our selection of Nexen tires.
Nexen Tire has been a leader in technological advancement since its foundation, but has been particularly innovative in the 21st century. Nexen received a patent for the manufacturing technology to make rubber/stratified silicate nano-composite tires. The following year, Nexen developed an innovative tread pattern for performance and seasonal tires.
Each and every one of the company's 2,000 employees is committed to producing a safe, superior tire. The variety of Nexen tires available is large enough to suit the needs of just about any driver out there on the road.
Our selection of Nexen tires includes tires for many makes and models of vehicles and fits every budget. Contact us online or visit us to speak with one of our knowledgeable professionals who will help you find the best tires for your vehicle's needs.
Whitman's Tire & Service Center is a pillar of the community. Whitman's Tire & Service Center is a leader in offering name brand tires, wheels, auto repair and brake services for customers located in and around Russellville AL, Hackleburg AL, Double Springs AL, Phil Campbell AL, and Hamilton AL area. Our goal is to focus on customer service. It is the foundation of our business. Whitman's Tire & Service Center employs a well-trained staff specializing in the sale and installation of passenger car, performance and light truck or SUV tires. Custom wheels are available at Whitman's Tire & Service Center. Special wheels and rims compliment any tire or customer vehicle. Complete under-car services, such as oil changes, brakes, shocks, struts, alignment, and transmission fluid flush for both foreign and domestic vehicles are readily available at competitive prices. Take this opportunity to browse Whitman's Tire & Service Center website or call any of our stores for personalized service.


text:
Mutual fund is an investment instrument, basically collection of stocks and/or bonds, managed by professionals of an asset management company. Investors will put their money in different types of mutual fund units depending on their risk appetite and duration of investment.
Mutual funds have become an incredibly popular option for a wide variety of investors. This is primarily due to the automatic diversification they offer, as well as the advantages of professional management, liquidity, and customizability.
The best thing about mutual funds is that they enable you to invest with very small amounts. Do many people ask what is the minimum amount to invest in mutual funds? There is no other way you can invest with reasonable diversification with an amount as low as ₹ 100 and even ₹ 50. SIP ( Systematic Investment Plans) of a lot of mutual funds allow min investment with just ₹ 100 and ₹ 500.
Here are the 10 best tips for investing success with mutual funds, from beginning the financial planning process to selection, to analysis to building a portfolio, to taxation and more.
In this article
- Tip 1: Know the benefits of considering investment in Mutual Funds
- Tip 2: Learn the Basic Types and Categories of Mutual Funds
- Tip 3: Know the risks associated with Mutual Funds
- Tip 4: Know your Risk Appetite/Tolerance Level
- Tip 5: Determine Your Asset Allocation
- Tip 6: Learn How to Choose the Best Funds in any Mutual Fund Category
- Tip 7: Know the Basics on Tax Considerations on Mutual Funds
- Tip 8: Regular Monitoring on your Fund and rebalance
- Tip 9: Keep a watch on latest trends/News in financial market specially Mutual Funds
- Tip 10: Things to always remember before investing in Mutual Funds
Tip 1: Know the benefits of considering investment in Mutual Funds
Investing your idle money is very important. One of the most compelling reasons for you to invest is the prospect of not having to work your entire life. Bottom line, there are only two ways to make money: by working and/or by having your assets work for you.
While everybody knows investing stock markets is better options, in terms of returns are concerned, as compared to other investment instruments available in the market like Fixed Deposits ( FDs ), Post Office Monthly Income Scheme ( POMIS ), Saving Accounts, etc. Very few know that investing in Stock Markets via Mutual Funds are a much better investment option.
Investing in Mutual funds is any day a better option than investing in stocks. Let me tell you the benefits of investing in mutual funds as compared to investing in stocks directly :
1. Investing in stocks require a lot of time in deciding on which shares to buy whereas it takes lesser time to learn about each mutual fund.
2. Intensive research on companies along with overall industry and market sentiment is required for investing in stocks. Fund house with professional fund manager do all research for mutual funds like picking right stocks, tracking them and keep you updated with the current market scenario.
3. It requires a well amount of cash to diversify your portfolio of stocks. Mutual fund by default has a diversified portfolio by investing in a collection of stocks and /or bonds, thereby reducing overall risk on investment.
4. Investing in stocks are much riskier than investing in mutual funds. Also, mutual funds may give you return as compared to stocks if you have high-risk appetite.
So, for those who follow stock markets and wish to invest in the shares offered by various companies, but they fear that they don't have enough knowledge or don't have sufficient time to keep track on and follow the latest buzz about the dynamic market, mutual fund is the perfect solution for them as investing directly in equity market is a risk, not everyone willing to take.
Tip 2: Learn the Basic Types and Categories of Mutual Funds
Mutual funds are organized into categories by asset class, like stocks, bonds and cash, and then further categorized by style, objective or strategy. Learning how mutual funds are categorized helps an investor learn how to choose the best funds for asset allocation and diversification purposes.
There are different 3 major types of mutual funds in India :
Equity Mutual Funds
Invest most of the money gathered from investors into the stock market. The risk level in equity mutual funds are quite high and investors are advised to invest in these funds as per their risk appetite.
Various types of equity-oriented mutual funds are :
Large Cap Funds: Large cap are big, well-established companies of the equity market. These companies are strong, reputable and trustworthy. Large-cap companies generally are top 100 companies in a market. When mutual funds invest their capital in large-cap companies then these funds are called Large Cap equity funds.
Funds comprise of large cap companies are the least risky investment instrument among all equity mutual funds.
Mid Cap Funds: Here, the mutual fund invests in stocks of mid-size companies. Mid-caps are compact companies of the equity market, falling somewhere between small and large cap companies and are 100-250 companies in a market after large cap companies.
Funds comprise of mid cap companies are riskier then large cap funds but not as risky investment instrument as small cap funds.
Small Cap Funds: In these types of funds, fund manager invests major portion of the investors' money in stocks of small cap companies. Small cap are small companies of stock market and are all the companies apart from large and mid cap companies in a market.
Funds comprise of small cap companies highly risky and volatile investment instrument and may give you very high returns on your investments.
Multi-Cap Funds: These funds are used to minimize the risk and diversify the investment. In these funds, capital is invested in companies across different sectors and of different capitalization.
Sector Funds: Invest in a specific sector like IT, Pharma, Banking. They are considered risky as they have a sector specific risk but some sectors like pharma, IT are inherently less risky.
Arbitrage fund: It is a type of equity mutual fund, takes advantage of differential pricing between the cash and futures (derivatives) markets to generate return on investment, as long as the derivatives are trading at decent premium. An arbitrage is best investment option in highly volatile and unstable stock market to capture rich dividends and returns.
Equity fund give relatively high return on investment compared to other mutual funds. Equity funds are best option for an investor with high risk appetite.Choosing equity fund with appropriate market capitalization is very crucial i.e. among large cap, mid cap, small cap, sectoral cap or multi-cap fund category.
Debt mutual funds
Invest most of the money gather from investors into debt instruments like corporate bonds, government bonds, bonds issued by banks etc. These mutual funds are best for investors who are risk averse.
Various types of debt fund available in market are:
Gilt Funds: In gilt funds, investors invest their money in securities issued by both central and state government. There no risk associated with gilt funds as these is backed by the government. However, these not completely risk-free and are vulnerable to change in interest rates.
Income Funds: In income funds, investors invest their money in debt instruments like corporate debentures and government securities. Income funds are for investors with high-risk appetite and works well for long-term investment since there is a high risk of change in interest rates.
Monthly Income Plans ( MIPs): MIPs is the mixture of equities (around 10-15%) and fixed income securities. MIPs are suitable for investors with big lump sum amount and want a monthly income on their investment.
Short term funds: If you want to invest for a shorter duration, say for 3-6 months, then these are best debt funds for you to invest in. Short term funds invest in papers like Commercial Paper (CPs) and Certificate of Deposit (CDs).
Liquid Funds: As the name suggest, these are the debt funds which can be easily converted in to cash that too within a day time. Liquid funds invest in highly liquid money market securities like Commercial Paper(CPs), Treasury Bills and Certificate of Deposit(CDs). They invest in instruments with a maturity period of up to 91 days. Among all debt funds, liquid funds provide most stable returns.
Fixed maturity plans: These funds have fixed maturity period, investing in papers with matching maturity. They take away the risk of change in interest rates by holding it till maturity. So, the NAV of fund is not affected even if interest rates up and down.
Debt mutual funds are best suited for investors with surplus amount of money lying idle with them and interested in earning better returns than normal saving accounts or bank FDs with very low risk appetite risk.
Balanced Mutual Funds
Also known as Hybrid Funds, are investment instrument, where an asset management company invest the money gather into both debt and equity. These are diversified mutual funds having perfect balance between risk and returns on investment, and are most popular mutual funds these days.
These are broadly of two types :
Equity oriented balanced funds : Major portion of fund portfolio consists of equities, at least 65%, and rest in debts. Aim here is to minimize risk on investment.
Debt oriented balanced funds : Major portion of fund portfolio consists of debt and rest in equity. Aim here is to increase return on investment.
Tip 3: Know the risks associated with Mutual Funds
"Mutual funds investments are subject to market risk. Please read the offer document before investing " – Ever paid attention to these lines of advertisements of mutual fund companies. This disclaimer is mentioned in every advertisement of the mutual fund.
Risk is inherent to investing. Investments vary across the risk spectrum, but there is hardly any investment that's entirely risk-free. The best thing about investing in mutual fund is that it provides you wide scope of investment option depending on your risk appetite.
The level of risk in a mutual fund depends on which investment instrument is picked by mutual fund manager. Generally, higher risk investment fetches you higher returns. Following are the major risk associated with mutual fund:
Type of risk
Mutual fund type
Risk associated
|Market risk
All types
|The value of its investments declines because of unavoidable risks that affect the entire market
|Liquidity risk
All types
|The risk of lack of market to sell funds, when you want to exit.
|Credit risk
Debt mutual fund
|The risk of default by the fund house or borrower. They are supposed to invest in debt fund that are rated high on investment grade by credit ratings agencies. But sometimes fund houses invest in lower rated debt papers than the safest paper in the market.
|Interest Rate risk
Debt mutual fund
|The risk due to change in interest rate, where your fund manager takes wrong call on interest rates.
|Country risk
All types
|The value of a foreign investment declines because of political changes or instability in the country where the investment was issued.
Tip 4: Know your Risk Appetite/Tolerance Level
Before choosing your funds, you need to have a good idea of how much risk you can tolerate or what is your risk appetite. Your risk tolerance is a measure of how much volatility or market risk you can handle.
Risk and returns go hand in hand, when the risk gets lower so does the returns. If the risk appetite of an investor is low, debt mutual funds specially liquid funds are considered. Debt funds are currently replacing the most safest considered investment instrument i.e, Fixed Deposits ( FDs ).
Mutual funds can be categorized into three categories on the basis of the risks:
High Risk Funds : These funds are the equity oriented funds with high return expectations. The expected rate of return for these funds is above 12 % per annum. Many funds are providing as high as 20 % per annum returns and some even to the extent of 30-40 % per annum.
Low Risk Funds : These funds are the debt oriented funds with low return expectations of around 6 – 9 % per annum.
Moderate Risk Funds : The funds which provide medium level of risk and are generally the combination of equity and debt funds like hybrid funds. They have expected return rate in the range 9 – 12 % per annum.
Risk is something which needs management not avoidance. The overall risk in mutual funds can be minimized by investing in multiple funds. However, every investment is accompanied by some level of risk and so is mutual funds, it is important to invest them in the right time horizon so that one doesn't suffer from opportunity loss.
Tip 5: Determine Your Asset Allocation
Once you determine your level of risk tolerance, you can determine your asset allocation, which is the mix of investment assets, stocks, bonds and cash, that comprises your portfolio. The trick here is to formulate a split between stocks, bonds, and any other asset classes based on how long you are planning to invest for, as well as what degree of risk you are comfortable with.
The proper asset allocation will reflect your level of risk tolerance, which can be described as either aggressive ( high risk appetite), moderate ( medium risk appetite ) or conservative ( low risk appetite ).
Tip 6: Learn How to Choose the Best Funds in any Mutual Fund Category
With thousands of mutual funds to choose from and hundreds of different fund families offering them, an investor can suffer from choice overload and possibly make needless mistakes.
Now that you know your asset allocation, you need to begin choosing the best mutual funds for you and your investment goals. Look at these basic parameters before choosing a fund in any mutual fund category.
To select the right Fund, which matches your investment goals, you have look into following aspects of Mutual Fund :
Look into the past performance : Past performance is no guarantee of future performance. Most people start with this step but they stop here too. Looking at returns is only the start of evaluating a fund.
It helps to gauge the performance of fund managers along with the fund performance over the years. Look into the performance of the fund since its launch as compared to its benchmark.
Age of mutual fund : It is best for new investors to invest in funds that are more than 5 years old as these funds have a reputation and track record to look up to. You can easily get the performance record of the mutual fund if its old say 10 years and more.
Risk associated with mutual fund : Risk level of Mutual Fund is very important to select the fund which is aligned to your risk appetite. Different funds are available in market for different risk takers. So, choose fund as per your own risk appetite.
Expense ratio : The expense ratio is the percentage of the fund that the asset management company takes annually as a charge for all operations of the fund. An expense ratio that is too high is usually not a good sign.
Asset Management Company (AMC) : This is the company managing the mutual fund. Mutual funds are almost always named after the AMC that manages them. Better to look for fund performance rather selecting it based on AMC reputation.
Quality of Fund manager : A fund manager is responsible for implementing a fund's investing strategy and managing its portfolio. So, mutual fund handled by reputed and experienced fund manager is very important for funds to perform well. Fund Manager should have good background and should have performed consistently in the past.
Asset Under Management (AUM) : This refers to the amount of money being managed by an individual mutual fund. Different types of Mutual Fund have a different ideal size for AUM. Minimum corpus of 1000 Crores ensures that expense ratio is not on the higher side and also reduces the risk of price fall because of redemption pressure.
Simpler method – Rating of Mutual Fund : If all of the above methods seem very tedious and intimidating to you, there is a simpler way to choose a mutual fund. Use the rating of a Mutual Fund to know which fund is the best.
There are many rating agencies, like valueresearch, moneycontrol, Groww etc, use their own methodology of analyzing mutual funds. These ratings can help you choosing the best fund but these may varies from agencies to agencies. However, this difference may not be there for all mutual funds schemes. Some of them may be at similar level.
So, always do our own research. These websites may be used for extracting data or comparisons of schemes you may need for your research. But don't follow these websites blindly but use them for initial screening criteria and for your other research benefits only.
To look at some of the best performing funds from every category of mutual funds, check out Groww 30 best mutual funds to invest in 2018.
Tip 7: Know the Basics on Tax Considerations on Mutual Funds
Understanding mutual fund taxation will help you improve your overall returns by being a smarter investor. As they saying goes, " Nothing is sure in life but death and taxes." However, taxes can be minimized or even avoided with regard to mutual fund investing. Therefore, with knowledge of the basics on mutual fund taxation, you will be enabled to increase your overall investment portfolio returns.
There two main taxes applicable on Mutual Funds. These are :
Tax on Capital gain from Mutual Funds
Capital gain on mutual funds is referred to the profit that an investor makes by redeeming or selling the mutual fund unit. It can either be Short Term Capital Gain (STCG) or a Long-Term Capital Gain (LTCG) depending on holding period of fund. Tax applicable on capital gain is known as Capital Gain Tax.These are the holding period defined for different types of mutual funds :
|Short-term holding
Long-term holding
|Equity funds
Less than 12 months
12 months and more
|Balanced funds
Less than 12 months
12 months and more
|Debt funds
Less than 36 months
36 months and more
Now that we understand how short-term and long-term is defined, let's see how short-term gains and long-term gains are taxed on different types of mutual funds.
Capital Gain taxation on different types of mutual funds
Short-term capital gains tax
Long-term capital gains tax
|Equity mutual funds
15 %
10% without Indexation
|Balanced mutual funds
15 %
10% without indexation
|Debt mutual funds
As per income tax slab
20 % after Indexation
Tax on Dividend from Mutual Funds
While dividends in debt oriented schemes are nil, there is a catch known as the dividend distribution tax (DDT). DDT is a tax that is imposed by the government on companies based on dividend paid to a company's investors.
DDT on all non-equity funds such as money market, liquid, and debt funds is 25 % plus 12 % surcharge plus 3 % cess, totalling to 28.84 %.
Finance minister, Mr. Arun Jaitley, in his Union Budget 2018 speech has proposed to introduce DDT on equity mutual funds at the rate of 10%, to provide a level field across growth-oriented and dividend distributing schemes. Earlier there was no tax on dividend from equity oriented mutual funds.
Equity-linked Saving Scheme ( ELSS ) is a dedicated mutual fund scheme that allows investors to save tax. It also provides an opportunity for long term capital appreciation. Amongst all the tax savings schemes this is the only one which gives the proper feel of pure equity. Even though ELSS has some risk involved, but with minimal lock in period, it has emerged as the most attractive tax saving vehicle today.
Tip 8: Regular Monitoring on your Fund and rebalance
– One of the most crucial aspects, that most investors ignore, is about monitoring their investments and examining its performance vis-à-vis their investment objectives. Periodic monitoring allows one to take corrective actions and stay on track.
If you do so much hard work, good news is that you are almost done. However, it is very important to keep track of your investment. Unlike stock trading you do not need to check your mutual fund portfolio every day – checking then in a month or two should be good enough.
Rebalancing is process where you review your investments and make changes if there are any changes in either your goals or in the performance of your mutual funds. You might need help of a financial advisor for rebalancing.
Tip 9: Keep a watch on latest trends/News in financial market specially Mutual Funds
Volatility and uncertainty are part and parcel of investing. Mutual fund investors too cannot remain unscathed when the movement of indices becomes range-bound. In times like these the performance of indices as well as mutual funds takes a beating.
For example, in union budget 2018, Finance Minister has introduced a Long-Term Capital Gains Tax of 10% for Capital Gains exceeding ₹ 1 lakh in a year. This tax will be charged without providing the benefit of indexation.
As a result of the announcement related to the LTCG tax in the budget 2018, the stock markets reacted negatively with the benchmark Sensex falling more than 800 points as investors' sentiments dampened and they rushed for selling their holdings. Broader Nifty also was trading lower on the news.
LTCG tax, is one of the major amendment announced in Union Budget 2018, does not impact investors to that extent we think off. But will have a short term sentimental impact.
Tip 10: Things to always remember before investing in Mutual Funds
Don't just run for returns from investment for investing in Mutual Funds. There lot of things you should look into before selecting a fund which will match your investment goals. Following the 3 things you should always remember before investing in Mutual Funds :
- Higher rates : don't blindly invest in the fund with the highest returns. Invest based on the duration you want to invest for.
- Every person's financial condition is different. Evaluate the funds you invest in yourself – don't invest in a fund because of its popularity.
- Review your investment from time to time but not too often. Once a few weeks is good enough.
To ensure that the fund is in good hands, choose a fund house having fund manager with good amount of experience managing mutual funds and associated with these funds for some good numbers of years.
Successful investing is a lifelong learning process. The tips highlighted in this article are a great starting point for anyone eager to learn more about the basic concepts surrounding mutual fund investing. This, by no means, covers every aspect of investing in mutual funds, but will definitely give you head start in your investing journey.
Armed with just a handful of tips on mutual funds, investors can do well to build their own portfolios. But remember that mutual fund research, analysis and portfolio management is not for everyone. If you don't enjoy doing it, chances are you won't be good at it.
To look at some of the best performing funds from every category of mutual funds, check out Groww 30 best mutual funds to invest in 2018.
Happy Investing!
Disclaimer: the views expressed here are of the author and do not reflect those of Groww.


text:
The Writing Vitamin
Every year, North Americans spend over $21 billion on vitamins. Most of that money is spent in a quest to stay healthy. Whether taking all these vitamins actually improves our wellbeing is a hotly debated issue, but there is one "supplement" that has been clearly shown to be good for our health. That vitamin is writing.
Research has shown that regular creative writing can have far reaching benefits. One study even found that in addition to short and long term psychological benefits (including lower stress and increased happiness), expressive writing had significant impacts on physical health, including improved lung functioning in asthma, reduced severity in rheumatoid arthritis, even better immune response in HIV infection.
If so many benefits came in a bottle, we'd be beating down the doors to buy it!
In our quest for health and happiness, we often spend our time chasing what we think we don't have - the right job, the right partner, the right pill. But what writing teaches us is that one of the best things we can do for our health is to make time to do what lights us up. Best of all, the writing pill is freely available and always in stock.
So pick up your pen or turn on your computer and get writing. It's for your own good!
From the President's Desk
Margaret Atwood once said, "In the spring, at the end of the day, you should smell like dirt." That quote takes me back to childhood days spent laying in the grass absorbed in a good book. And since good books are what we're all about here at FriesenPress, I'm excited to announce that we've just released three brand new Children's Publishing Paths.
Children's literature has been one of the fastest growing book categories, expanding by 52% over the last decade. Couple that with the deep love for children's books that the team at FriesenPress has, and it was a natural step for us to develop new, more powerful publishing options for children's authors. Equipped with products and services that are critical to an author's success, such as our must-have Enhanced Interior Layout, FriesenPress is now the leading choice in self-publishing for children's books. In fact, we are the exclusive partner for several organizations that agree our expertise is unparalleled for this genre.
I invite you to check out our exciting new Paths by clicking here. If you have a story that kids need to hear, I hope you will call us for a complimentary, no pressure consultation.
I wish you lots of sunny days with tall grass and good books!
Team Member Spotlight: Bret Newton
Publishing Consultant and Peer Mentor by day. Musician, MC, and thespian by night. Full-time Dad. We may never understand where Bret's boundless energy comes from.
When he's not acting in a local theatre production or hosting an event, Bret is speaking with authors about their books and publishing goals here at FriesenPress.
I was born in Alfred, a small French town in Eastern Ontario but I grew up in Windsor, Ontario which is the border city with Detroit Michigan.
As one of the first people authors speak with at FriesenPress, what's a piece of advice you wish all authors knew?
The advice I would give authors is to trust our process and our expertise. Everything that we do is with the intent of making your book better. We believe in our authors and we truly want them to succeed. To this end, we work hard to ensure that authors are getting the services they need to put out the best possible product and this applies to both the book and the author's experience when working with our process. *Cue Bryan Adams*
Best part of your day?
The best part of my day, aside from that first sip of hot chocolate, is speaking with an author who is excited about their book. Whether they have finished writing or have just started, an excited author is a lot of fun to speak with!
What's the most rewarding aspect of your role here at FriesenPress?
The most rewarding aspect of my role here at FriesenPress is seeing the published books of the authors that I worked with in our bookstore. I check our new releases every couple of days to see whose book is now available. I also love hearing about our authors in the news or about the awards that they have won. Knowing that I helped them, even a little, gives me a wonderful sense of accomplishment.
Tell us the best book you've read in the last year.
The best book I have read this past year is my favourite book of all time: Jonathan Livingston Seagull by Richard Bach. It is an incredible story that I find very empowering. It only takes me an hour or so to read but it always leaves a lasting impression on me.
What are some memorable books you've helped our authors publish?
Some memorable books that I have helped authors publish include, but are certainly not limited to:
- Yellowbird by Leslie Yaremko
- ISLE by Jes Dory
- Orion Surfacing by I. James Forrest
- You're not just a Publishing Consultant, but a Peer Mentor as well. What's something you've learned about yourself as a Peer Mentor?
As a peer mentor, I have learned the value of having clearly defined goals. Outlining what you want to accomplish and then creating a plan to get there has helped me with guiding my colleagues through various trainings as well as guiding my authors through our services and helping them see why FriesenPress will provide them with the best value. I use it in my personal life as well when it comes to my six-year-old or when I am getting into character for a show.
- Finally, any Stanley Cup predictions?
In an ideal world, it would be Edmonton and Ottawa for the cup, but in the real world, I think a Pittsburgh / Anaheim rematch is most likely.
Why You Should Always Carry a Notebook
We've all heard it before. Look at any list of writing tips, advice from history's famous writers, recommendations from your local writer's group or favourite blog. Carry a notebook. It's painted as one of the most valuable methods to finish your book, one of the ways that you can look like a writer, feel like a writer, write like a writer. But, when all is said and done: Why?
What makes a notebook beneficial? Why not rely on your smartphone or tablet? They're handy and you won't run out of paper or ink. Or why not rely on secondhand paper—the back of a grocery receipt, or the bottom of a parking ticket? For that matter, why not rely on your memory?
- Your notebook is a promise. Carrying a notebook is your commitment to your creativity. It says that you're ready to blindfold that pesky editor who sits on your shoulder. We all have them: practical, objective, revising every flaw and criticizing every idea before our book can truly form. Your editorial voice does have a place, but it's not here—your notebook should be a haven for free thinking, a stepping stone to a first draft, and an invitation for your creative side to flourish.
- Jotting notes down leads to insights, deeper connections, and aids non-linear thinking. A notebook is a warehouse for your thoughts, ideas, and daydreams, a toolkit of smaller intentions that form the blueprint for bigger and better concepts—one idea fastening to another to reveal clear patterns. Try reviewing your notes after a week, or a month. What connections do you see?
- Your notebook is distraction-free. Let's face it: most of writing involves "applying the seat of the pants to the seat of the chair." But inspiration does strike, so it's critical you be prepared to catch the spark and put it to paper. Your notebook won't lose battery charge, send you emails, or ask for bill payments. Life throws book-ready details at you when you least expect it—and it's much easier to chase the muse with pen and paper than with a beeping cellphone.
The next time you're running out the door, tuck that notebook in your pocket. You have a book to write.
High Fives for Five Stars!
Did you know that more FriesenPress books received 4 and 5-Star Foreword reviews in 2016 than any other year? How about that not one, not two, but THREE FriesenPress authors had their books named Best of 2016 by Kirkus Reviews?
What's the thread that ties all these successes together? Editing. The vast majority of titles who received a stellar review also received a professional edit.
Regardless of genre, an edit is well worth the investment. High fives for Five Stars!


text:
I'm a writer of software documentation and fiction (some would say that's redundant). I live in Mountain View, California. I have no pets or other interesting things that one might put photos of on a page like this one. I try to keep from letting computers dominate my life, but it's a losing battle. My best weapons are a few hundred books, an avid interest in movies, and a lot of marvelous friends. Also a bicycle that I don't ride nearly enough.
I keep a personal blog, where I post every few days, and a words-and-wordplay blog, where I post intermittently at best.
I have two sweeties: I've been with Mary Anne since 1997, and with Kam since sometime in the early 2000s.
My interests are eclectic to the point of eccentricity. At least, I like to think so.
Here's my public key in case you want to send me PGP-encrypted email. Not that anyone ever does. snif.


text:
By Paul Davenport
Associated Press
Cutting health care programs to help close Arizona's budget deficit would inflict pain on more state residents than the nearly 400,000 people who stand to lose Medicaid coverage or other services, Arizona hospital officials said Wednesday.
"The cure is worse than the disease," said John Rivers, president of the Arizona Hospital and Healthcare Association. "The proposed budget does a lot of long-term damage to the prospect of recovery in the economy."
The association said the proposed cuts in health care programs would result in 42,000 fewer jobs throughout the economy, and they would burden individuals and businesses with higher health care costs, clog emergency rooms, and generally make the state an unattractive place for people to live and businesses to locate.
Rivers said a tax increase may be needed to pay for the state's health care programs.
To gauge the jobs impact, the association commissioned a study by Arizona State University economists. The report was based on economic modeling of the impact of reduced state funding and lost federal matching dollars.
The hospital group, the Arizona Chamber of Commerce and Industry and other advocacy groups are pushing back against a part of Gov. Jan Brewer's budget-balancing proposal that calls for major cuts in health care programs, including Arizona's version of Medicaid, the Arizona Health Care Cost Containment System.
(Read more)


text:
Lisa Wiik
Norwegian Snowboarder
Wednesday, September 7, 2011
Winter getting closer!
yeahhhaaa! Planning a trip to Hintertux in October. ah, so fun to start searching and booking flights again. Winter, I'm so ready!!!
Lagt inn av
Lisa Wiik
Wednesday, September 07, 2011
Email This
Share to Twitter
Share to Facebook
Share to Pinterest
No comments:
Post a Comment
Newer Post
Older Post
Subscribe to:
Post Comments (Atom)


text:
Boris Mouton // Perisher
Boris Mouton has been visiting downunder for a few weeks from his home base in Switzerland. Check out a few shots of him riding the on point Perisher terrain park this year.
Sound // Midnight Sun - Synkro
Devan Peeters // Perisher
A few shots of Devan Peeters at Perisher while testing out my new gimbal.
Sound // RiZ Feat. Talib Kweli - For The Love (Autograf Remix)
Trash Tribe // Journey
Travelling to Cape York is no easy feat. I went up to clean up Chilli Beach with Clean Coast Collective with an inspiring group of young people. The group included Tangaroa Blue and Conservation Volunteers Australia and between them cleaned up 3.2 tonnes of marine debris totalling no less than 94,000 individual pieces, all of which were counted, sorted and entered into the Australian Marine Debris Database to better understand the problem and created targeted campaigns to reduce plastic consumption. These are just a few shots of vehicles, full doco coming soon from the excellent mind of Sophie Matterson.
Patty Bergman // Perisher
Filmed entirely handheld on iPhone 6 without a steadicam nor post stabilisation as a test.
Flint & Steel Bay // Ku-Ring-Gai National Park
Shot on iPhone (timelapse on Canon 6D), testing out a Lanparte HHG-01 gimbal.
Nightfall // Manly
We went searching for the Aurora Australis the other night, but all we found were clouds and stones. These shots looking towards Dee Why and Manly from Longreef.
Finding Light // Vivid Sydney
The quest for light at Vivid Sydney, 2015. Hyperlapses shot handheld on iPhone 6, timelapses on Canon 6D with 14mm f2.8.
Sydney Storm
A timelapse of one of the large cells (with insane amounts of lightning) that smashed the East Coast of Australia, especially Sydney and the Central Coast, over April 2015. This particular one came South East from Gosford towards Sydney. Worth a watch for the huge lightning storm!
Sound // Rationale - Fast Lane
Ku-ring-gai Chase National Park
Easter weekend 2015 on the East coast of Australia will be remembered for its miserable weather. However, a narrow 24 hour window of sunshine allowed us to get away from sheltered games of cards and trek to a remote waterfall in Ku-ring-gai Chase National Park at the Northern end of Sydney. The difficult terrain to gain access and narrow window meant that adventuring took first priority and I didn't get the camera out much, but these quick shots go a little of the way to showing how magical the place was.
Sound // Zella Day - Sacrifice
I took the camera out with us for a few afternoon beverages at Turrimetta Head one pearler of a Friday afternoon. This short was filmed handheld on a Canon 6D w/ 70-200mm and DJI Phantom 2 w/ Zenmuse H3-2D gimbal and customised GoPro Hero 3 Black.
Narrabeen Head Aquatic Reserve
Narrabeen Head Aquatic Reserve is an area of approximately 6 hectares that extends from the rocky shore between the southern end of Turimetta Beach and the rock baths at Narrabeen Head to 100m offshore.
Narrabeen Head was declared an Intertidal Protected Area from 1993 to 2002 and remains an important protected area today where we can learn about the conservation of marine and rocky intertidal plant and animal life and the habitats which support them.
The reserve is a great example of the interconnected ecology of coastal ecosystems. Humans affect the reserve both directly through activities such as fishing as well as indirectly from wastewater and runoff that feeds into the drainage basin that ends in nearby Narrabeen Lagoon. The lagoon then meets the ocean at the reserve's edge where these interactions all have an effect the biodiversity within.
You can learn about Narrabeen Head Aquatic Reserve from the Coastal Environment Centre (CEC), a multi-award winning regional community environmental learning centre run by Pittwater Council from nearby Narrabeen Lagoon.
Snakes Alive! 2015 Showreel
The ACT Herpetological Association (ACTHA) partnered with the Canberra District Aquarium Society (CDAS) for Snakes Alive! 2015, a week long educational exhibition showcasing a variety of Australian reptiles, amphibians and, for the first time, threatened native fishes.
Members of the public received an exceptional educational experience with the opportunity to learn about reptiles, amphibians and fish in a hands-on way from dedicated volunteer ACTHA and CDAS members. Funds raised through Snakes Alive! go directly to regional conservation issues such as the Northern and Southern Corroboree Frog breeding programs, grants to assist local university students and projects aimed at furthering herpetofauna protection and recovery, education, training, and research projects.
To learn more visit actha.org.au or to see some of the projects supported through Snakes Alive! visit actha.org.au/research.
The Siren Songs // Like The Night
'Like The Night' is the title track off The Siren Songs 'Like The Night' EP. Filmed at the Nick + Cass Griffiths' wedding reception, the official music video reflects the joy and emotion of their night. Film by ASK Design, edit by Jae Haydon.
You can buy Like The Night on iTunes, make event bookings at Haydon Entertainment and find The Siren Songs on Facebook.
Black Marlin on the Great Barrier Reef
The Black Marlin (Istiompax indica) is one of the largest and fastest bony fish on the planet, reaching speeds of 130km/h and 750kg. They are found throughout tropical and subtropical waters of the Indian and Pacific Oceans, however, in Spring, they come to the waters off the Great Barrier Reef in Queensland to spawn. From September to December Black Marlin can be fished, the vast majority of which are tagged and released.
The Viking II, captained by Billy Billson, started it's 2014 Black Marlin season with one at 200kg at Lena and another at 175kg in the capable hands of Dave 'Bagwah' McPherson. Here's a quick glimpse at some of the shots from the trip in the scenic surrounds of tropical far north Queensland and the Great Barrier Reef.
Alihuen: An Agrarian Conservation Story
Alihuen means Big Tree in the language of the indigenous Mapuche peoples of Chile. When Jeroen Beuckels decided to settle in the rural Chepu province of Chiloe with his wife Grecia this name was not taken lightly, for the farmland which it would represent has undertaken massive transformation from pasture to thriving forest.
Alihuen is managed using permaculture principles to undertake sustainable organic agriculture while at the same time working towards large scale conservation measures to improve biodiversity and landscape connectivity in the region. They are rapidly approaching 22,000 trees planted on Alihuen and the effects are noticeable - the Pudu, the worlds second smallest deer and a relatively rare and shy creature, are regularly found on the property. Sightings of bird species dependant on connected forest areas have increased as Alihuen begins to form a bridge between the North of Chiloe and the large forested areas of the Chepu river and both Parque Nacional Ahuenco and Chiloe to the South and West.
Alihuen is truly land that connects. A cursory glance demonstrates the obvious improvement in landscape connectivity through the reforestation projects undertaken on Alihuen. However, it is also a case study in sociocultural connectivity as it acts as a conduit and inspiration for artists, students, agrarians, artisans and the community at large.
This thirty minute film aims to promote awareness of some of the conservation issues that are facing the island of Chiloe and through Alihuen provide a case study of the ways in which they can be addressed in a practical and sustainable way and the associated flow-on of environmental and sociocultural benefits that can be achieved.
Atacama de la Luna
One night on the Andean alitplano.
Temperature // -17°C
Elevation // 4300m
Moon // 73%, Waxing Gibbous
Property Chile
Property Chile is an emerging property and real estate consultancy bringing Chilean property to a global market. This promotional video, along with a series of proof-of-concept promotional videos for individual properties, was produced to aid Property Chile's expansion as a leading internationally focussed real estate agent and broker.
See the promotional videos on the weblog here.
Andean Snow & Surf
The enormous Andes mountain range has been formed by a geological convergence along the Western coast of South America that has given rise to breathtaking peaks within close proximity of the ocean. Nowhere is this more apparent than in central Chile, where it is possible to visit world class snow resorts in the Andes only hours from internationally renowned surfing breaks.
This video was filmed for surfskiclimbchile.com.
Ahuenco & Chiloe National Parks
Chiloe´s Western coast feels like another world. It is protected by Parque Nacional de Chiloe in the South and Parque Nacional Ahuenco in the North, between them creating a protected area that covers almost two thirds of the West Coast.
Entering from the Northern side you will pass the Sunken Forest, formed when seismic activity in the sixties tore asunder the Chepu Valley, resulting in significant widening of the Chepu River and creating a paradise for bird life. From the sunken river you must wind through coastal forest, beautiful beaches, cliffs and even past penguin colonies in order to reach the dense old growth forest at the centre of the National Parks that remains near untouched to this day.
On this trip we were greeted with spectacular weather. We went with our friends Tyler and Emily who were WWOOFing on Alihuen. Tyler took the opportunity to go for a surf where dolphins frolicked nearby, he may well have been the first person to surf this amazing place. If you haven´t already been, make Chile your next destination and check out this particularly beautiful part of the world.
This short forms the second part of a small series on aspects of life around Alihuen. The first examined a street artist by the name of Lalio and can be seen below. Keep an eye on the Alihuen page for the rest of these pieces as they are released. The music is by an excellent artist going by the name of Emphemetry. To hear more of their truly mesmerising music check out their bandcamp page.
Lalio on Alihuen
Lalio is a Chilean street artist based out of the city of Castro on the island of Chiloe. Originally from Santiago, he completed studies to become an architect. As an artist, he now draws inspiration from Chiloe; its history, culture, people and environment.
This piece was undertaken on Alihuen, a conservation and permaculture property owned and managed by Jeroen and his wife Grecia in the Chepu province of Chiloe.
Lalio drew inspiration for this piece from the reforestation projects being undertaken on Alihuen as well as the broader sociocultural and environmental context of the island.
I was lucky enough to be able to use music produced by a friend of mine going by the name of Bird Canyon. The song is called Straylight and is from an excellent self titled album that I just haven't been able to put down lately, check it out in it's entirety here. Keep an eye on Bird Canyon as there will be a new album dropping soon, i'm expecting good things.
Chilote Telar // Chilote Weaving
Grecia is a traditional weaver from the province of Chiloe, a large island off the coast of Chile. Hear Grecia´s story of how and why she chose to continue using Chilote weaving methods and pursue her interests as a traditional artesan.
Cerro Ballena: Aoni Tem, a new venture in Avitourism
Cerro Ballena forms the picturesque backdrop to the coastal town of Puerto Natales in Patagonian Chile. Its position, nestled within stunning fjords, allows for crystal clear views in all directions, from the southern ice field to lagoons, glaciers, forest, moore, grasslands, alps and everything in-between. Coupled with a wide array of wildlife, including Andean Condors that inquisitively fly to within metres, Cerro Ballena is an experience not to be missed.
We recently had the good fortune to document this incredible natural place for a new avitourism enterprise by the name of Aoni Tem, visit them to learn more about this fascinating part of the world.
Postcard from Patagonia: Puerto Madryn, Peninsula Valdes & Punta Loma
The coast of Patagonia in Argentina's Chubut province is rugged, starkly beautiful and at first glance, desolate. However a closer look reveals a landscape teeming with life both on land and at sea. My partner Carla and I are lucky enough to be travelling through this landscape right now, here is a short video post card from the area, you can also see photographs and our thoughts on the area in the blog.
Aerial Cinematography Highlight Reel
A short demonstration of aerial cinematography using the DJI Phantom 2 and Zenmuse H3-2D gimbal with a GoPro Hero 3 Black.
An examination of space. This video was made to test out a DIY linear slider motor i've been working on that will do both normal and timelapse speeds with variable speed control and USB power. You can read more about the process here.
Australia Day | Hottest 100 | Twenty Fourteen
The Hawkesbury River nearly encircles Sydney and is fed by a catchment area of more than 21K square kilometres. We celebrated the Hottest 100 with Triple J on its banks in the Windsor region, making the most of the Hawkesbury and it's beautiful rural surrounds.
Lake Jindabyne & Surrounds
An exploration of Lake Jindabyne, New South Wales, during the cooler months of the year, this video was aired regularly on Snowy Mountains TV during the winter of 2012.
Chelodina longicollis: an urban story
Support of the ACT Herpetological Association (I manage the web / public interface for the Association) keeps me inclose contact with the urban coalface of the herpetofauna / human interface. Learn a little about an interesting success story in urban North Canberra.
The Thorny Devil: An Introduction
This short educational video was prepared using footage captured from animals in the fragmented wheatbelt region of South Australia in Pinkawillanie Conservation Park.
Eastern Brown Snake Cannibalism
This educational video was prepared using footage submitted to the ACT Herpetological Association during my time as Secretary of the organisation.
Everyday Weekend
A snowboarding video for the Coca Cola Tube My Ride competition.


text:
All commission enquiries both commercial and private are welcome.
Please feel free to contact me at: email@example.com
I live and work from home in Royston, a small ex-mining village situated in the borough of Barnsley, in Yorkshire, England.
Creative pursuits have been, at core, the main driving force of my life since as far back as I can remember (which is probably potato, and hand printing, back at pre-school). I always remember feeling more comfortable, confident, engaged, and 'at home' when presented with creative challenges at school - give me a pile of sticks, a bit of string, a lump of clay, and tell me to make a space rocket, and I'm in my element.
I pursued art right through school and afterword on to college and university, gradually clarifying for myself along that formal pathway the direction that would best fit my skills and sensibilities as a profession,
I've always been drawn toward genres that allow me to apply my Imagination, I love the creative process; I love making a tangible reality of something that previously only existed as an idea, or an emotion, and expressing it - Realising it. I love surprising myself (and others). I love making something out of nothing - I think there's a real power and magic in that, and I find it very satisfying,
Born in 1979, I grew up in the 1980's, and so many of my early influences can be traced back to that decade. The cartoons, movies, music, attitudes, and aesthetics of that time have without doubt all gone into my personal 'melting pot'. Hand painted movie art, the cinema, the works of Clive Barker, Graham Humphreys, H.R. Giger, and Drew Struzan have had a profound and marked influence on me; as have those of countless others - writers, directors, and creative people past and present. They are a constant wellspring of inspiration and I am in their debt.
I work predominantly in water based traditional media (Acrylic, Inks, Gouache etc), which are applied using various tools techniques and combinations to suit the nature of the subject matter being addressed. The artwork is then scanned into the computer, where it is colour corrected, and any necessary digital adjustments or enhancements made, before a final print ready digital file is delivered to the client.
University of Leeds – Bachelor of arts hon's degree in fine art
Barnsley College – GNVQ Advanced level in Art & Design.


text:
And this is the Finale of my Maybelline Color Show Photo Diary. If you missed the first part, you can go check it out here. Sorry I posted it this late, I got confused with the photos, as usual.
These are all the 10 shades that I picked out of 40 shades. My list of TOP 10 Color Show Nail Polishes might change after I try more (many more!) shades, but these are basically what I wanted to have first and foremost.
|Downtown Red, Tangerine Treat, Porcelain Party, Pink Voltage, Shocking Seas, Fantasea Green, Bold Gold, Coral Craze, Blackcurrant Pop, Lavender Lies
The main colors that I didn't show in Part 1 will be featured here: Bold Gold, Tangerine Treat, Porcelain Party, Downtown Red + 2 of my favorite colors from Part 1.
Day 05: Porcelain Party #102
Porcelain white. A blank slate with many possibilities, where imagination is created. I stuck on Mickey Mouse nail stickers like-that-why-I-don't-know. That was my #1 imagination,,,haha!


text:
Chocolate as we know it now is actually a relatively modern convention. However, chocolate has been enjoyed by man for about 3500 years. The cacao plant, from which chocolate is made, has been cultivated for at least 3000 years.
The cacao plant is native to the rainforests of South America, particularly the northwest in what is now Venezuela. The Olmecs and the Mayan civilizations are both credited with being the earliest to cultivate the plant. Both used it to make a spicy drink that was carried by soldiers on long treks. Eventually, the plant was spread northward by the Mayans into the land of the Aztecs in the Yucatan Peninsula of modern-day Mexico where it was adopted by other Meso-American tribes. The cacao plant was so valued that the seeds of the plant were used as a form of currency among native tribes.
For the early Meso-Americans, chocolate was a strong, bitter-flavored paste with little resemblance to the smooth, sweet creamy chocolate we know today. The pods were fermented, roasted and then ground into a paste. The paste was mixed chile peppers, cornmeal, and hot water and imbibed as a liquid, either hot or cold.
By the 1400s, the Aztec Empire had reached a peak, having conquered most of its neighbors. The cacao plant remained an important part of the culture, with seeds being paid as tribute by conquered foes and used as sacred offerings by priests. When European explorers first encountered cacao they were not impressed by it. It took many years before it caught on in Europe. Both Columbus and Cortes are credited with having brought the cacao seeds back to Spain, but the beans that the Aztecs valued so highly met at first with little regard in Spain.
Once in Europe in the 1500s, the traditional cacao beverage was considered bitter and unappealing, until additives including cinnamon, vanilla and sugar were added. The new, sweeter drink caught on, helped by the Catholic Church, who allowed followers to consume the beverage even on fast days. By the 1600s, the chocolate drink was being served in specialty chocolate houses all across Europe. Its popularity caught on particularly well in Austria, the Netherlands, and Belgium. It was the Dutch who eventually turned the cacao into cocoa butter by adding milk, water and fat. The Belgians had access to great cacao plantations in the Congo and became some of the world's leading chocolatiers.
British chocolatier, Joseph Fry, eventually formed the first molded chocolate bar. Fry added the cocoa butter back to Dutch cocoa powder to form a sticky paste that could be pressed and formed into a bar. Eating chocolate soon became as popular as drinking it.
With its initial surge in popularity in Europe, chocolate became heavily taxed and was considered a luxury item. In the mid-1800s, Prime Minister Gladstone of Great Britain reduced taxes on chocolate, making it more affordable for the entire population. In America chocolate was popular both as a drink and as a bar, but was not widely available until Hershey started producing chocolate in the 1890s.
Today, chocolate is available for eating and drinking and in many varieties from milk chocolate to dark chocolate. Prices range from the extremely affordable Hershey bar to luxurious and expensive specialty chocolates such as Godiva and Vosges.
<< Chocolate Home | Health Benefits of Chocolate >>
In-Depth Information
Contact Us | Privacy Statement


text:
Conductor and composer Ben Palmer is on a mission to conduct all the Haydn symphonies - all 106 of them. Today we talked about a mutual love of Haydn and our various ways of coping with life after playing the trumpet while taking a bunch of new shots for his site and upcoming CD. He is about to conduct his 100th concert with the Orchestra of St Paul's and if you're lucky you might be able to get a ticket to their Snowman/Peter and the Wolf concerts at the Southbank Centre on Saturday 14 December.
Follow him @ConductorBen and see more of the shots we took today appearing soon on his site at www.benpalmer.net.


text:
I am blogging this because I enjoyed this task and learnt lots more things about space and new things I didn't know about.This is my reading task. It is about black holes and stars.We had to write down five questions and search them up and answer them with as much detail as possible. It was kind of challenging at parts and others were easy as. It was an interesting task and now I know much more about black holes and stars there self. I wouldn't mind doing another task like this.
Lions- No escape
WALT- form questions based on what we have read.
WALT- research our own answers
Task- Write down 5 questions that have popped up for you as you are reading.
Write them here and research the answers. Explain the answer as well as you can.
1)Who first discovered black holes:
In 1916 Albert Einstein predicted black holes with his great general knowledge and theory of relativity.
2)Are black holes flat:
Black holes are really 4 dimensional. You may see drawings of black holes that are 2 dimensional but that is because us humans haven't discovered how to draw a black hole 4 dimensional on an piece of paper yet.
3)What's inside a black hole:
We have never seen what's inside a black hole because it is too dangerous to go near and if someone goes into one and get photos we would not be able to communicate with them.
4)Can anything escape from a black hole:
Nothing that falls into a black hole can come out because of its gravity is so strong it has to travel at 300,000 kilometers and that is the speed of light and even light cannot escape from it.
5)How long do stars live for:
A star with the mass of the sun will live for about 10 billion years.But it depends on their mass.The more massive the star the faster it burns its fuel supply.


text:
I am hands down a jewelry gal, you will never find me accessory free (even when I sleep) and you will rarely find me without multiple layers of jewels. From necklaces to bracelets and earrings, I love it all but what I love even more is personalized jewelry that is unique to you. I share initials with my grandmother and I love all the stuff that she has passed down that is monogramed, even as a child I enjoyed having items with the letter "S" on them, anything from bags to jewelry...even my lunchbox- I just couldn't get enough.
When I came across Love Pendants I immediately fell in love. I have seen initial necklaces but they are usually plated or just the letter and something about this brand felt unique and different to me. My Love Pendant has quickly become one of my favorite accessories and what's even better is that they make the greatest gifts for the season. With many different ways to personalize you can find something for everyone!
|Love Pendant c/o, Notebook GiGi NY c/o


text:
On Friday, July 11th, from 12noon-1pm PDT, Brazilian musician Rodrigo Amarante will appear live from Studio A on "Future Daze," performing and sharing stories over the course of the hour.
His well-received debut solo album, Cavalo, was released this past May on Easy Sound Records. Amarante was formerly with the popular Brazilian rock group Los Hermanos and the samba big band supergroup Orquesta Imperial. He is also well known for his collaborations with Devendra Banhart, and for forming indie group Little Joy with Strokes drummer Fabrizio Moretti and Binki Shapiro.
Former "Future Daze" hosts Luna y Mr. Supersonico, alongside new host Marisa Ho, will welcome the acclaimed artist to KCSB-FM at the University of California Santa Barbara campus.
About the broadcast, Luna writes the following:
I still remember walking into that dark bar in LA. My heart was pounding with every step, as I felt the density in the environment and the nostalgia that emerged with each note, slowly dancing and evaporating in the air. After waiting for so long, listening to Cavalo during sunny days and windy nights and wondering why this sound, so familiar, yet so distant, could speak to me this way, I was finally seeing Rodrigo Amarante live. The rest of the set was like a delightful ride on a roller coaster of emotions, as each song made me delve deeper and deeper within my own memories and feelings in almost a cathartic way.
Looking back, Amarante has always been a very prolific artist, collaborating in numerous different projects with artists such as Devendra Banhart and Tom Zé, among others. It was, however, through Los Hermanos and Little Joy that I first fell for his evocative voice and pensive chords. Though Cavalo is Amarante's first solo project after a musical career that started in Rio almost 20 years ago, I believe it has come at the right time. This solo album feels more personal, as if Amarante is whispering his own story into your ear. He has referred to his artistic process and approach in this piece as that of a foreigner, 'separated from others and yet still somehow attached to the furniture I had left behind.' Perhaps this is precisely why Cavalo invokes such a nostalgia on me for old days that never came; it makes me long for a home I have never had. Because feeling like a foreigner and having a home that exists only as a memory, an idea, is a void that I have always felt and Amarante found the exact words to describe this alienation. Switching from English to French, from 'Hourglass' to 'Mon Nom,' Amarante perfectly depicts the journey that is to find the right words to convey emotions and concepts that exist only within oneself. But beyond words, it is the silences and spaces between them that matter the most to the artist, as they allow 'diversions, inventions.' What was before a lacuna has become something else; not a space to be filled, but a space to be felt.
With a spectrum of different feelings that I have been carrying with me since Cavalo, tomorrow I will finally get the chance to chat with Amarante and gain a deeper insight on this piece and how it was conceived.
I will also be co-hosting with Mr. Supersonico, for a surprise comeback of your favorite duo. We'll be taking over the airwaves starting at noon.
Much love,
"Future Days" airs from 12noon-1pm PDT in the summer.


text:
Agency workers regulations: time to comply
Ian Pettifer, Employment Law Solicitor at Tayntons LLP, explains the scope of the new law covering agency workers' rights and its implications for employers.
After nearly 30 years of debate and disagreement in Europe over whether or not to have an EU-wide law based on the principle of treating agency workers equally, the Agency Workers Regulations 2010 are due to come into force at the start of this month (October).
The debate has often been polarised between those who see agency workers as suffering ill-treatment, and those who see the system as beneficial to all and vital to the economy.
Do businesses treat this group unfairly in comparison with their permanent staff? On the other hand, is not agency work, especially in the UK, a personal choice, giving these workers and the businesses they work for, greater flexibility?
Whatever your viewpoint on the subject, now is the time to ensure you understand the new rules, which become enforceable in a matter of weeks.
The regulations apply to 'agency workers' who are assigned to do the temporary work for 'hirers' through 'temporary work agencies'. There are new rights for agency workers from day one, and further rights that are granted after 12 weeks on assignment.
Under the regulations all agency workers must be able to access a hirer's collective facilities and amenities (things like the canteen, the crèche and the car park) from the first day of their assignment.
The hirer's must also let agency workers have access to information about job vacancies from the first day. These are known as the 'day one rights'.
After completion of a 12-week qualifying period, agency workers are entitled to the same 'basic working and employment conditions' that they would have been entitled to had they been recruited directly by the hirer. This includes a right to be paid equally with directly engaged employees or workers.
But the 12-week qualifying period can be hard to calculate, because there are a series of different events which pause the clock, without resetting it to zero, including: any break of not more than 6 calendar weeks; sickness or injury, up to 28 weeks; and any legal entitlement to time off, such as holiday. In these instances, the clock starts again once the worker is able to resume the contract.
Maternity and paternity absences mean that the clock keeps ticking. For example: A woman is given a 10-week agency work assignment. After 5 weeks, she goes on maternity leave.
The clock would keep ticking to the end of the 10 weeks. After her maternity leave, she is supplied (either by the same agency or by a different agency) to the same hirer for a job, which is not substantively different.
In that case, the absence on maternity leave is disregarded, and two weeks into the new assignment, she becomes entitled to equality in pay with the hirer's directly recruited workers.
Bonus payments are a possible area of difficulty. Bonuses paid to all directly engaged workers do not count for the comparison with agency workers (like Christmas bonus).
But, bonuses linked to individual performance over a given period (for example a year) will form part of 'pay' for the purposes of the regulations. If an agency worker fulfils the eligibility criteria, then they are entitled to participate.
Agency workers do not have to be fully integrated into the performance management systems for the permanent staff of the hirer. Simpler systems are allowed for tracking and agency worker's performance, and this could be no more than relying on existing feedback mechanisms used to work with the agency. But the lack of a performance system is not an excuse.
There are also rules to stop businesses from trying to evade the regulations plus a £5,000 penalty for each agency worker deprived of their rights.
New regulations are always controversial, but these rules represent the lighter touch in the UK than elsewhere in Europe, and do no more than stop some of the worst abuses of agency workers, without taking away the clear commercial advantages.
Sponsored Guest post
For further information and advice, contact Ian Pettifer on 01452 509080 or email email@example.com


text:
Pakistan (PAK) vs (ZIM) Zimbabwe 1st T20 live Match will be played on Friday, August 23, 2013. According to Pakistan Standard Times the match has began at 16:30. Dont miss the match. Best of Luck Pakistan Team Here below you can see the squad/player list of both cricket teams.
Pakistan vs Zimbabwe live streams will be provides from PTV Sports, Ten Sports, Ten HD, Super Sports and Sky Sports HD networks completely free online and giving you a perfect experience to enjoy the game.
Match: Pakistan vs Zimbabwe
Ground: Harare Sports Club, Harare
Date: Friday, 23 August, 2013
Time: 13:30 local | 11:30 GMT | 16:30 PKT
Zimbabwe: Brendan Taylor(w/c), Regis Chakabva, Tendai Chatara, Chamu Chibhabha, Elton Chigumbura, Michael Chinouya, Graeme Cremer, Timycen Maruma, Shingirai Masakadza, Tino Mawoyo, Natsai Mushangwe, Tinotenda Mutombodzi, Tinashe Panyangara, Vusi Sibanda, Sikandar Raza, Prosper Utseya, Brian Vitori, Malcolm Waller, Sean Williams
Pakistan: Mohammad Hafeez(c), Sarfraz Ahmed(w), Ahmed Shehzad, Anwar Ali, Asad Ali, Haris Sohail, Junaid Khan, Mohammad Irfan, Nasir Jamshed, Saeed Ajmal, Shahid Afridi, Sohaib Maqsood, Sohail Tanvir, Umar Amin, Zulfiqar Babar


text:
About Us
Slender Caffeine Free
Losing weight is not always an easy task. Even with proper diet and
exercise, those pounds and inches can come off slow, or even plateau.
There are many factors besides diet and exercise that contribute to
weight gain or loss. Slender Caffeine Free is our formula made especially to help the body release pounds and inches. Garcinia fruit is the first ingredient and is widely regarded as good for weight loss, but is also known to boost levels of serotonin (the happy hormone) and manage levels of cortisol (the stress hormone). Bladderwrack is next and is known to stimulate the thyroid gland, which boosts the metabolism. It is also known to help soothe arthritis. This formula does not have caffeine so it makes for a good night time dose to help you keep on track with your weight loss goals.
Add to Cart
Office Hours of Operation
Monday - Friday 9:00am - 5:00pm
Mountain Time
Herb Appeal
PO Box 644
Bountiful UT 84011
This product is not intended to diagnose, treat or cure any disease. Consult your physician before taking. Cascara Sagrada and Senna can be habit forming if taken for long periods of time. © 2016 HerbAppeal


text:
wow, that was a very long and very unexpected blog break. really a break from everything online :) but i'm back now, back for regularly scheduled postings!
some things i have been up to:
- having a quick out patient surgery that was supposed to be one day of recovery, but completely knocked me out for 13 days. WOW - completely unprepared for that!
- trying to keep my house in order during this very crazy month of may. why is it that things are always so hectic surround the start of summer break???
- escaping for a one night get away to celebrate 10 years of marriage. double wow - it really does go so fast :) we had the most amazing anniversary dinner sitting in adirondack chairs at the edge of a lake with our own personal butler (for lack of better word) and a very warm and cozy chiminea.
some things on my to-do list:
- relish my last 4 days of peace and quiet before the munchins invade full time for 9 weeks of summer break
- finish this sweet sampler that i started a few weeks back
- write up my 2nd tutorial for the mayarts challenge i have been participating in. i can't wait to show you all what i have dreamed up.
- start on this vintage sheet wreath. absolutely love, love!!!
that's about all the goings on around here. just so happy that i am back on my feet again and daydreaming about the start of swim season!


text:
Since the late 1980s, Chico MacMurtrie has explored the intersection of robotic sculpture, new media installation, and performance. MacMurtrie's work investigates organic life from deep within, finding geometry in all living systems. Chico MacMurtrie and his interdisciplinary collective Amorphic Robot Works/ARW have received numerous awards for their experimental new media artworks, including five grants from the National Endowment for the Arts, the Andy Warhol Foundation Grant, the Rockefeller Foundation Fellowship, VIDA Life 11.0, and Prix Ars Electronica. Chico MacMurtrie was awarded the Guggenheim Fellowship in Fine Arts in 2016.
MacMurtrie/ARW's works have been presented in major museums and cultural institutions around the world including the National Art Museum of China (NAMOC), Beijing; Hayward Gallery, London; Museo de la Reina Sofia, Madrid; Cité des Sciences et de l'Industrie, Paris; Museo Universitario de Arte Contemporaneo (MUAC), Mexico City; Pioneer Works, Brooklyn, NY; Shanghai Biennale; Tri Postal, Lille, (retrospective exhibition), Muffatwerk, Munich (Pneuma World); Ex-Dogana, Rome, and ZHI Art Museum, Chengdu.
Upcoming exhibitions include: Useless: Machines for Dreaming, Thinking, and Seeing, curated by Gerardo Mosquera, Bronx Museum of the Arts, and Mundos Alternos, Art and Science Fiction in the Americas, Queens Museum, New York in 2019.


text:
Please complete one application form per applicant and make sure not to leave any sections blank. The sections below give guidance on the process and more information on what we need from you, including fees. Please read the following information carefully to ensure you understand it; if you need any more help, please do get in contact. For more information on renting in the UK please download the government's How To Rent Guide. Please also read our template contract to familiarise yourself with the terms.
Our Fees
In order to secure a property and take it off the market, a holding fee of one week's rent will be payable.
In advance of your signing the contract, you will be asked to pay one month's rent in advance and a security deposit (one month's rent +£200).
How the process works
Once you have submitted your completed application forms to us we begin the referencing process – this can take a week or more depending on who we are requesting references from.
Once your references have been completed we will be in touch to let you know the outcome – if your application has been approved we will send over a draft copy of the tenancy agreement and book an appointment for you to sign the hard copies. Make sure you check the email address you provided us with regularly so you don't miss out on important emails.
What we need from you
Before you can rent a property through us we require two forms of ID. Your passport if you are a UK/EU resident or a simple Visa/Permit check for those outside of the EU zone will be one. Your national insurance number is the other. If you have not already done so then please provide scans of these via email to email@example.com or bring your documents with you into our office to be scanned by our staff.
Cosgroves will carry out references of your employer and previous landlord to ensure you are suitable for the property. When completing these sections of the application form make sure to be thorough – email addresses and complete postal addresses will make sure the process goes smoothly. It is also important to let the people you have named/your company know to expect a reference request. If we are unable to obtain a reference through the details you provided then we may request that you contact your referee on our behalf.
Make sure you provide us with up to date and accurate contact details for each tenant applying. If we can't get hold of you we can't process your application.
If you have a lower income, are a student, or have poor financial/rental history we may require a guarantor from you. This may be something you discuss before placing a holding fee, but we may request that you have one after referencing has been completed.
The Guarantor will be responsible for your full rent in the event you are unable to make a payment at any time during your tenancy and the costs of any damages/breach in the terms of the tenancy. They will be required to sign a guarantor agreement which will be available to read before signing up.
Older versions of the How to rent guide:
2015: How to rent guide
2016: How to rent guide
Jan 2018: How to rent guide
Jun 2018: How to rent guide
Jul 2018: How to rent guide
2019: How to rent guide