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Arabic Tattoos
Please click here to go to my other site, Arabic Calligraphy Design, to order a tattoo in Arabic calligraphy.
If you are interested in having a tattoo designed in Arabic calligraphy, I would be more than happy to work with you on a design. I've done everything from single words to long lines of poetry, and if you're looking for ideas I have bilingual editions of Arabic poetry and proverbs to help choose a phrase or line that fits you best. Going through a calligrapher ensures you don't end up with a disaster of a tattoo. I can also design tattoos in Persian, Urdu, Kurdish, Sindhi or any other language written in Arabic script (although I do not speak those languages).
If you're interested, go to my other site, Arabic Calligraphy Design, to order a tattoo in Arabic calligraphy.
102 Responses to "Arabic Tattoos"
Hi ,
I liked your ritig and the design , i would like to have this word "my savior" in Arabic as a good design for a tattoo. Thanks,
I would like to have this verse "reverence your guardian lord" in arabic. Could you help me with this?
Thank you very much
– Wan
Amazing designs and love your comments and info on how not to do an Arabic tattoo!!! Would you be able to translate someting for me? Many thanks
Your Calligraphy is Beautiful..your web-sight is very helpful..can you please contact me to translate two words for me..Thankyou so much! Regards, Gus
do you charge a fee for translating or helping anyone? please get back to me, i have a tattoo idea in mind. thank you!
i would like your help translating the phase " the beautiful one has one ".
thank you.
i would really appreciate it if you could help me with my next tattoo as my last arabic is quite bland and not very legible the quote i want is "Insanity is knowing that what you are doing is completely idiotic, But still, somehow you just can't stop it." or if you know anyone who does this sort of thing in cambodian or thai that would be great too
Hi i was wondering if you can help me. My parents live in Saudi so i am getting an acurate translation for my tattoo, however i was wondering if you could recomend somewhere that I can have it converted into a Calligraphy text. x
Do you charge a fee for translating names or words? I am going to have a tattoo with my sister and we would really want your help.
Thank you
hey, brilliant site my friend, just what im after… i just wanted a small tattoo in arabic that translates as 'katy love of my life'
my email address is email@example.com
thanks and i look forward to hearing from you
hey there,
I was just wondering if you could do something even simpler than transcribing – could you just "approve" a design for me? I've had a friend translate a few phrases, but I'd like a second opinion.
Hey, i want a nice tattoo design saying "The world is mine", how much would it cost?
Hello, I have read your page on arabic tatto's which have turned disasters. I found this very funny, but also frightening as I had booked in to get an arabic tattoo of a picture I just happened to find. After reading your page I have cancelled my booking until I know for sure what i want is correct. Could you please translate Love for me, into arabic and a Ghandi quote ; " Be the change you want to see in the world." Thanks for the laughs at least 😀
my email is firstname.lastname@example.com, the correct quote is "you must be the change you wish to see in the world" by Gandhi
hello. I would like to get "queen" in arabic, the correct, connected version. please email me at email@example.com . thanks 🙂
Helloo…ur work is wonderfull..! Im interesting abt arabic tatto, but i can not choose, and i readed u "help" with hihihi my email is email@example.com or if u see taht private meil..so could u conntact me nad we make understand, thank u a lot..! regards helga
hello josh. beautiful work. i too would like your help in creating an arabic tattoo. could you please email me when you can to help. thanking you kindly…aiya
I would like to talk with you regarding translation about a tattoo. Please email me at email@example.com. I actually found a few translations online but before I went any further, I wanted to talk to you. I definitely don't want to be on your tattoo shame page 🙂 Please contact me whe you have a chance. Thanks!
Your work is amazingly brilliant! I'm so impressed. Your photos are great as well. Lovely travels. I don't want a tattoo design, but I was wondering if you could do a design with my full name, which is an arabic one, in some sort of calligraphic design on paper (so I can frame it)? I've always wanted one. What would the price difference be for a design sent electronically via e-mail versus a hard-copy original piece? Thank you.
Boy have you saved and enlightend me.. I was going to do exactly what you said these morons did=(..I can't get anyone to translate for me, so could you please assist me? I would like to get the phrase "Someday I too will fly and see you again" translated to your beautiful calligraphy.I had in mind to get the tattoo going vertically down my spine.. it means a lot to me.
Sorry I meant "Someday I too will fly and find you again" ** i had a typo there=(.
I am hoping you can help me. I am trying to find Arabic calligraphy, possibly Syriac Calligraphy, for "love of my life." It does not HAVE to be Syriac. The idea is to create a piece of art with the calligraphy around a butterfly. I will have the butterfly designed around what ever calligraphy I fall in love with.
hi there
i have been finding it reli hard trying to find a correect arabic tattoo. i have had certain words translated but only have them in pc format.can you help me please
thanks laura
Hello, could you please translate a Ghandi quote for me : "Be the change you want to see in the world" I want it in one line going down my spine from top to bottom, so please help me avoid doing it upside down ! Your art looks amazing, also could you clarify "love" in arabic
thanks , carla, Scotland!
the correct quote is actuall "You must be the change you wish to be in the world"
sorry, thanks, Carla, Scotland.
"You must be the change you wish to see in the world" *******
Hi Josh!
I found your page just in time, was gonna loose my mind with the translations. I'm in need of a simple translation and design so please help me out 🙂
cheers mate!
Hi Josh,
Have been thinking about an arabic tat for a while. Would like my husbands name made into a gorgeous design. Can write simple arabic myself but something out of the ordinary.
I have a tattoo that is supposed to mean CANCER as in the zodiac sign, but in arabic. I was wondering if you could sent me an image of what the word looks like so i can compare it to the tattoo i have. Thank you!
Hello Josh,
I'd like to commission a design from you for a tattoo based upon a verse from Ezra Pound and my time spent in Iraq. Please send me a line.
Hello Josh,
I am truly grateful I found your site before I made the same misktakes that many others had. Your artwork/aesthetics are amazing; you have a gift. I was hoping to get a tattoo and would like a phrase translated and designed. If you wouldnt mind emailing me at your earliest convenience, I would greatly appreciate it.
Thanks in advace! email@example.com
Question I can not find an answer to regarding Ottoman janissary corps! Did they have tattoos? A Turkish friend claims they had war prayers inked onto their sword arms, similar to Japanese sleeve work?
You seem to have a lot on your plate based on the number of comments above, but when you have time, I'd like your help with the design of a tattoo. My friend knows Arabic so I have the word but your calligraphy is beautiful and I'd appreciate your help with a design.
Hey i received your e-mail and first of all thanks. Im trying to get an arabic tattoo done and I would really love* to get your help. So let's get in touch.. ;]
Hello, love your calligraphy style. I'm interested in having a calligraphy piece done, would you please email me when you have a chance? Thanks! Ashley
I have two multi-word tattoo designs i would like to compensate you for, your work is fantastic! My email is firstname.lastname@example.com
[…] for the art work itself. If you are serious about wanting an Arabic tattoo, please visit my page on Arabic Tattoos and leave me a comment with your email address and we talk about details and design. A couple of […]
hey. i love the artwork above. you are very talented! i am looking to get a tatoo of my daughter's name (Hailee Grace)in arabic.. and unlike all the stupid people in your photos i would like to have it done right. (your comments on the photos cracked me up btw). i have seen a lot of tatoos gone bad and im not about to put something on me for life unless i know for sure it says what i want it to say… help me out! THANKS!
Hi josh, I am interested in your services designing a tattoo, please could you email me when u get the chance, Cheers Ian
Hi josh, I am interested in your services designing a tattoo, please could you email me when u get the chance, Cheers Ian
I have a few things i would like translated, but need to know the cost first! If you could e-mail me, so i can let you know what it is, that would be great 🙂
Hey Josh,
I absolutely love your work, you are truly talented. I would like a phrase translated into arabic for a tattoo…can we discuss?
thanks! rebecca
[…] check out my page about Arabic Tattoos for more examples of the styles I work in and my […]
Hi, I want to have the word "Queen" translated. Thank you.
Hey, it would be great if you can help me translate
Life is worth living because there is love
thanks a BUNCH<3
Amazing designs, i would like to ask you to design a tattoo for me but its going to be a little diffrent. Thanks
hey you … what started your relationship with all things arabic?
just curious … are you a tattoo artist? where? … susi
hey i need your help to get this translated
"It's my life, It's now or never
I ain't gonna live forever"
bon jovi lyrics.. cuz your rite if its gona be on your body forever it has to be rite
heres my email: firstname.lastname@example.com
i would like to have prayer sureth el fatiha done as a tattoo on my back vertically if possible about 8″-10″ long and about 5″=7 wide, if not horizontally would be good too about 12″ long and 6″ wide or for upper arm bicep area same prayer in a cool design abot 7″ high. if u can get this designed maybe all three lemme know how much would u want to do it. Sureth El-Fatiha means lots to me and really wanna get it done.this sureth is the first and most important prayer in Qu'ran.i also have a design in arabic no clu what it means i would like to send it to u to transalte it or meaning.
i'd like to work with you on a design. i have a verse from the Bible in mind, but need help with the arabic translation and tattoo design. if you could contact me so we can further discuss, i'd really appreciate it.
love your website!
Please contact me, I am serious and want to get my tatt done asap. Thanks
Hi everyone, I had a tattoo designed by josh on december and I just want to say it was a fantastic design and was a bargain price for the design he did me. I paid my fee and was asked to choose from 3 Arabic font and when I got my design inboxed to me I got it checked and confirmed and tattooed straight onto my skin. Delighted with it. Excellent service, I recommend to anyone!
I would like to get "go with all your heart" as a tattoo. Could you contact me about that?
I want it horizontally on my ribs, on the right side. It needs to be covered by my clothes
at all times, i want a rather small one. like 10 centimeters max. do you think this is possible?
thank you so much for your time!
Hi Josh,
Your work is great! I'm interested in figural calligraphy for a tattoo. I'm curious about which styles of calligraphy you do and what kinds of designs are possible.
Hi could you tell me what my name is in Arabic , my name is Jade.
I need the following words translated into Arabic for various tattoos. Courage, Believe, Strength, Compassion. Could you contact me so we can discuss what I am looking for and how much it would cost? Thanks so much for providing this service…don't want to end up on the "blog of shame". 🙂
Hi Josh,
In order to celebrate the completion of my masters, I would like to gift myself a tattoo with a (short) phrase in Arabic that means a great deal to me. I wouldn't dream of having plain old computer text set in ink on my skin, so I hope that you have the time to help design it in Arabic calligraphy. Please contact me if you have the time and we can discuss the details of the design and your compensation.
I would love to get my 2 sons names in arabic calligraphy as a tattoo. They are one quarter Iraqi and I'd like to celebrate their arabic heritage. Their names are Benjamin and Alexander, and I'd like them written as they are pronounced and not the arabic equivalent of the names. I'd love to have them incorporated into one tattoo if that is at all possible. I really hope this is something you can help me with.
Firstly, beautiful website! I am going to get an Arabic tattoo and need someone to help me with a custom design. I do not want the computer generated translations they are dull and boring. If you would please contact me if you can help?
Hey there, I was wanting a tattoo of my last name 'Suarez' and hopefully a design to go around it.
I am arabic, but do not write the language. I have arab friends who have given their input and writing, but I was hoping for your idea.
Please email me at email@example.com
Thank you
hi josh,
i am planning to get a tattoo of my full name also birthdate soon and i want the right translation of course, i'm not looking for a design i'm only interested in the calligraphy. I would like to know how much would it cost. Get at me asap i would appreciate it. Thanks.
name muriel medina pallete
birth…march 28 1991
Hey Josh,
I have an appointment for april 27th for a tat – and I would really like to hire you to do the calligraphy artwork – really like your work- please contact me to discuss details.
I have three sisters and we are all wanting to get each others names tattooed on us. We want them in another language which is much more beautiful than English. I have talked them out of Hebrew since we are Jewish and that would be very offinsive to my family, So 2 of them have decided on Arabic. How ironic. I would like to know how 3 names will look translated into arabic and how much it will cost for you to do that. One sister is thinking of putting them down her spine. Can that be done with arabic writing? Thank you love your site Shalom
wow your pretty popular….well i had this tattoo done- yes just basic arabic when i first learned how to write it so a arab would not necessarily be impressed…not only that perhaps perplexed bc the meem in "al-Azema" looks like a Saad. I would like to fix it up a bit and add some laural leaves around it. Just thought id give you a shot. my email is firstname.lastname@example.com but facebook is a more viable contact- Laura Angela Elizabeth Reilly… where you from?
I am of Lebanese descent and I would like the word "serenity" in arabic in small font..
Hi, I like a design of a tattoo in oval shape or round shape of approxmiate 4 to 5 inches bearing a name: Faridah.
Hi, great site , great work.
i would really appreciate it if you could assisted me with a tattoo.
Thank you
I was wondering if I could get an Arabic/Calligraphy translation. I'm getting a tattoo this Sunday so could you possible translate "happiness" and "sorrow" for me?
i want an arabic tatoo can you please contact me for two words i need thanks email@example.com
Your work looks amazing and I was wondering if you could help me. I am interested in the Ottoman Janissaries and the tattoos they received for their service. I was wondering if you knew a good source to view the tattoos they had. Thank you
hey…i would like to get 'what goes around comes around' on my arm..wanted the linear design and was wondering how much it would cost.
helo there this is what i need for sure. Pls i need a tattoo across my back extending from the backside of my arms. Iwant these phrase "Beauty is in the eye of the beholder"
Many years ago I got an arabic tattoo without any thought or research into whether what I was having tattooed on me actually says what I thought it said. I am hoping that if I send you a picture of it you could help me with its meaning.
Thank you
I stumbled upon your site as I was searching for zoomorphic calligraphy sites and I must say I am extremely impressed with your work and everything you have done. I see that you so figural tattoos but does this include any/all animals? Great site!
hey need some information about a translation in arabic. can you touch base to lend a hand?
I've bumped into your blog by coincidence. I have a question. Are you capable of writing in square kufi form?
I am looking for someone to design a tattoo for me.
All the best,
Hi I want to get my daughters name in arabic, but in the design of a butterfly as she I associate her with butterflies.
I think maybe if you get in touch with me I can sort of explain exactly what I am after, as in my mind it seems complicated but I am sure when i expalin you will get the gist.
Many thanks
I was just looking around for ideas, and i stumbled onto this site, your work looks very nice and I'm considering getting a linear tattoo saying integrity or perhaps something along those lines.
i was wondering if you could do zoomographic design for me. i want it in form of eagle and i have 2 names i want in it.
thank you
AWESOME site! i've just recently started learning arabic on my own (currently working on mastering the alphabet) and came across your site after doing a google search. i definitely plan on ordering a tattoo from you once i figure out what i want!
Hello there my name is Sally and my partner from births back has tattooed my Hebrew name on her wrist and now would like a circular design around it incorporating Hebrew and Arabic style influence art, it need not be writing, but something circular to go around the name. Maybe we could Skype I'm in Australia. Hope you are well, your work is gorgeous , Sally
I appreciate you sharing this post.Much thanks again. Wonderful.
hello 🙂 I saw your drawings you're talented, Can you please draw/write a tattoo جمال, my dad's name, he's dead so I was thinking of having a calligraphgy. I hope you can:) thank you
Hi, I really liked the samples of your work and would like to have a tattoo designed in arabic script. Please contact me with your charges. I look forward to your response.
Hi, I love your designs and looking to get a tattoo down my spine. I'm wanting 'God bless and keep the faith' in arabic writing, could you help?
Many thanks
Hey, big fan of you site and your work. I noticed that earlier someone asked about Janissary war prayers and service tattoos. I am curious if you have any images of these available or know of any good books so that I can research this further. Thank you.
Just to say hi and thanks!!!
I'll send a pic once it's done…
Congratulations for the excellent work!
-José Garnica-
hi!!do you know how to write my name Benjamin in arabic??cause i wanna put it in my tattoo,,can you please??
Thanx for the names you translated and dwaw for me.
The 15th of October I'm gone let the tattoo artist do his job on my shoulder. I gone send you a picture when it's done.
After that one we can start the Nr 13 design.
Kind regards Mo
great website, great designs. i wondering if you can email me some designs in Arabic . the name is Tahira please.
tahira in Arabic. i would like to get my daughters name on my wrist, not to big but something unique and beautiful thankyou..
Hi, very nice work. I'm interested to know if you ca help me with a certain design for arabic tattoos, as well as the cost.
Hi, I'm going to have my arabic tattoo and I would really appreciate your help. I would like to know the right translation for the word "freedom". Could you please help me? Thank u
Hello, I would really appeciate if you could write my mums name Fatema in a teardrop pattern and my nans name Sayra in a straight line underneath! I want to write it on a canvas myself and give it as a gift as they are both very ill.
Read your article about tattoos very funny, enlightening…but i'd like to get nomad or Rahhaal in the character form, (in honor of a gypsy indian woman i meet) what is the correct symbol get getting lots of different images.
I sent you an e-mail about a tattoo design a few days ago, to the gmail account listed on your other website, but I have my received a reply yet, did you receive it?
Hi. Inshallah I find your side i have in my mind to get a tattoo down my spine in arabic calligrapher I have a pray in ingles so I need too know how much is for the charges .. I I'm my beloved's and my beloved is mine .thank you .salam .
Hello! Can you tell me what the text in the star(fish) means? I think it's a beautiful one! Thanks! Elles
Hello. I would like to have the right translation and tattoo design of the phrase "be the change" 🙂 i hope u can help me with that. Thank u in advance 🙂


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Customer Testimonials
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subset: commoncrawl


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Linda Hogan Suggests Hulk Hogan Had 'Intimate Relationship' With Brutus Beefcake
Linda Hogan on Tuesday implied that her ex-husband, Hulk Hogan, carried on an "intimate relationship" with his best pal out of the ring, Ed "Brutus Beefcake" Leslie.
The ex wife of the immortal grappler appeared on Matty P's Radio Happy Hour when the host went through a series of questions culled from fan emails; at one point, he asked Linda if her ex and Beefcake carried on "an intimate relationship."
"Wow, I don't know how to answer this, so I don't end up getting a lawsuit," she said, laughing. "A little bird told me, 'Yes they think they did.'"
Despite limited in-ring skills, Leslie was a constant presence in the promotions Hogan worked for at the time. His greatest success in pro wrestling came in the 1980s as Brutus "The Barber" Beefcake, in which he'd put his opponents to sleep, then cut their hair afterwards.
Linda's new book, Wrestling the Hulk – My Life against the Ropes, is in stores now.
Hear the audio on RadarOnline.com
Linda Hogan's Future Father-In-Law Arrested On Felony Drug Charge
Linda Hogan: 'I Did Not Want To End Up A Statistic, Like Nicole Simpson'


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Income Investing
If you invest in companies around the globe, either international corporations, or in U.S. companies that operate globally -- it's often wise to choose dividend stocks that pay on a staggered or laddered basis. Companies that regularly pay a portion of their profits back to shareholders in the form of quarterly dividends are a solid way to approach long-term investing, but if you plan the payment schedule as you invest, it can be as powerful as laddering bonds with different expirations, and coupon payments throughout the calendar year.
Since many of you have a long-term retirement account at work (401K, 403b, Roth, or other IRA), you likely already have portfolio diversification that comes from holding a number of mutual funds. This diversification protection is what makes many retail investors then feel comfortable with holding individual stocks. The concept here is the income potential that comes from both the growth of these holdings and the shared dividends is a stable way to build up a long-term portfolio.
Dividend Staggering (Ladder) Example
Here is a dividend portfolio consisting of three large cap companies. Caterpillar is a company in the construction and agricultural machinery industry, and in some sense a conglomerate of a mining, finance, agri-business, and industrial corporation. Johnson & Johnson is a biotechnology/drugs company in the healthcare sector known for a number of products in its consumer, pharmaceuticals, and medical devices and diagnostics segments. Kraft Foods is a major diversified food industry company in the consumer goods sector. These businesses feature such items as Caterpillar tractors and engines, household items like Tylenol and Listerine, and iconic food products like Oreos, and Kraft Macaroni and Cheese.
Dividend Payments Throughout the Year
Caterpillar (NYSE ticker symbol: CAT) pays a quarterly dividend in January, April, July, and October. Currently at 0.46 USD per share, This gives us an annual yield of 2.04% with $1.84 per year. You calculate the Dividend yield by dividing the annual per share dividend by the per share stock price. In this case, Caterpillar pays $1.84 per year in dividends, divided by today's closing stock price of $90.18 (May 30, 2012) equals .0204 or 2.4% yield.
Johnson & Johnson (NYSE ticker symbol: JNJ) pays a quarterly dividend in February, May, August, and November of 0.61 USD per share, or $2.44 per year. With today's closing price of $62.21, JNJ pays a 3.92% yield.
Kraft Foods Inc (NYSE ticker symbol: KFT) pays a quarterly dividend in March, June, September, and December of 0.29 USD per share, or $1.16 per year. With today's closing price of $38.41, KFT pays a 3.02% yield.
Let's Look At an Example of How This Works:
Using some tools online (like Hugh Chou's great DRIP calculator), if you buy $100 per month in each stock above (Caterpillar, Johnson & Johnson, and Kraft Foods), and reinvest dividends for 25 years, you would build up quite an income generation tool.
FOR EXAMPLE: With Caterpillar stock in a DRIP account with $100 monthly contributions for 25 years, assuming a $90.18 stock price, a 2.4% dividend yield, and a very conservative 5% annual increase of the stock, we see some solid numbers. Assuming that all dividends are reinvested for the entire 25 years, and US. taxes of 15% are paid on that income, the account will be valued at about $76,883 in year 25. The dividends in that year would amount to about $1696.95, or about $424 quarterly.
With Johnson & Johnson stock also in a DRIP account with $100 monthly contributions for 25 years, assuming a $62.21 stock price, a 3.92% dividend yield, and a very conservative 5% annual increase of the stock, we now have some diversification. Assuming that all dividends are reinvested for the entire 25 years, and US. taxes of 15% are paid on that income, the account will be valued at about $92,838 in year 25. The dividends in that year would amount to about $3315.91, or about $829 quarterly.
With Kraft Foods stock in a DRIP account with $100 monthly contributions for 25 years, assuming a $38.41 stock price, a 3.02% dividend yield, and a very conservative 5% annual increase of the stock, we have the final piece of our 'calendar' income. Assuming that all dividends are reinvested for the entire 25 years, and US. taxes of 15% are paid on that income, the account will be valued at about $82,989 in year 25. The dividends in that year would amount to about $2296.26, or $574 quarterly.
In this hypothetical example, at year 25 the investor would turn off dividend reinvestment and start to receive the dividends as income ($7309/annually):
January (CAT): $424
February (JNJ): $829
March (KFT): $574
April (CAT): $424
May (JNJ): $829
June (KFT): $574
July (CAT): $424
August (JNJ): $829
September (KFT): $574
October (CAT): $424
November (JNJ): $829
December (KFT): $574
With other income sources these three accounts would give you a few solid diversified income streams. Assuming higher returns, increased contributions, longer time horizons, or additional accounts, these numbers could be scaled higher to meet your long-term needs. (The risks are dividends being cut, company bankruptcy, etc.)
As you can see, these three holdings (CAT, JNJ, and KFT) would provide investors with monthly dividend income all through the year. But this same model can be created by any number of holdings, so you would be free to choose any diversification model that interests you. For example a healthcare stock like Abbott Labs (ticker symbol: ABT), a technology stock like Hewlett-Packard Company (ticker symbol: HPQ), and an energy play like Chevron Corporation (ticker symbol; CVX) would work as well. These three companies also provide the same monthly dividend payouts with Abbott in January (and Apr, Jul, Oct), HP in February (and May, Aug, Nov), and Chevron in March, June, September, and December. If you chose to hold all six of these holdings, you would receive two dividend payments monthly throughout the year, and become even more diversified against downturns in the market, the industry, the sector and against the inherent individual company risk.
Your Long Term Dividend Investing Plan
Until you need the income from these stocks, investors should just reinvest the quarterly dividends to accumulate shares faster through compounding -- especially with the power of increasing dividends. Once it's time to take income from these holdings, a DRIP plan (dividend reinvestment plans) will allow you to choose a percentage of the cash to accept directly while reinvesting the rest. Global dividend stocks could be just what your portfolio needs, and perhaps these and other companies could be a solid place to begin your investment research. If you need other ideas, consider utility companies like Con Ed (ticker symbol: ED) and American Electric Power (ticker: AEP), telecom giants Verizon (ticker symbol: VZ) or AT&T (ticker symbol: T), food companies like Pepsi (ticker symbol: PEP) and McDonald's (ticker symbol: MCD), retail chain stores like Wal-Mart (ticker symbol: WMT), and Target (ticker symbol: TGT), and technology stocks like Intel (INTC), Microsoft (MSFT), Qualcomm (QCOM), International Business Machines (ticker symbol: IBM), and others. Remember to always consult your own advisors (tax, legal, and financial) before committing any risk capital to an investment.
(Disclosure: author owns Caterpillar, IBM, and Kraft Foods at the time of this writing.)


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Lasting Impacts of a Gas Price Shock during Teenage Driving Years
Americans who came of driving age during the rapid gas price increases and long waiting lines of 1980-81 were driving less than older and younger peers two decades later.
Individuals who were in their mid-30s at the time of the 2000 US decennial census are less likely to drive to work and more likely to commute by mass transit than their peers in younger and older age groups.
Brexit Uncertainty Is Taking a Toll on the British Economy
These findings suggest that a consumer's initial encounter with a product even a mundane product like gasoline can have a long-lasting impact on behavior. Such initial encounters help explain what later appears to be heterogeneity in preferences.
— Steve Maas
The Digest is not copyrighted and may be reproduced freely with appropriate attribution of source.
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Back before the Internet existed, real estate brokers had a problem acquiring would-be investors from afar.
This business opportunity is significant.
Given the numbers from 2017 available these days that foreign real estate buyers accounted for a little over $153 billion of the overall sales in the United States Of America which subsequently would be an increase of the earlier year of a massive 50 percent. Moreover this symbolizes 10% among all nationwide real estate purchases in the American market. That's based upon NAR's 2017 Profile of International Activity in U.S. Domestic Real Estate.
A really fascinating factor to locating your own international real estate clientele is how lucrative it can be for the agency. A different consideration here is the point that a number of international investors are almost always high net-worth people interested to increase their wealth by making sensible investments outside their country of origin.
Yet unfortunately seizing this profitable business is challenging.
The greatest difference around working with the domestic populous in comparison to internationally, is the language barrier. On the other hand many international buyers employ people to break-down the language barrier when seriously considering investment in another country.
Among all countries currently partaking in the US real estate marketplace, China truly dominates and is accountable for over half the entire international sales volume in the US alone. All of this even with the many variations in culture, language and trading and investing practices.
However this isn't necessarily a one way street. In some countries the "foreign investor" is actually the American.
Costa Rica real estate is one example of a small country where international investment is dominated by the USA who holds a 70% bulk average for all foreign purchases in that country according to CBR (Camera de Bienes Raices) which is the country's association of realtors.
We will explain how you can enter this sector of the real estate market.
CPROP's end-to-end electronic transaction administration suite is designed to promote real estate brokers to international leads and assist them to securely and transparently close deals.
Technology is absolutely vital for any deal from start to finish. Let's lay out a couple of ways any real estate agents might tap in to this market segment.
Join a transparent international platform
Now you shouldn't go thinking it's going to be easy to get in to the international real estate segment. Any real estate agents lookin to become players in the international real estate community, have to start their search by discovering online sites where potential buyers and vendors may hook up. Once determined…join in on the dialogue and gain trust within the community.
If, for example the platform boasts a service provider directory with unfiltered client ratings and reviews along with automated translations, even better.
Think trust and security
A long distance offer, in particular amongst persons in separate countries, are often a recipe for miscommunication plus, in the worst cases, being cheated.
That may be why real estate agents looking to develop their international dealflow want a platform to expedite these transactions with trust and security elements baked in.
Technology shifts at an astonishing speed and nowadays blockchain technology has moved into the mix and forever changed the way real estate professionals conduct business online. Blockchain technology makes way for security at levels never accomplished previously. Real estate contracts when composed harnessing this technology, are developed for good in the encryption and avoiding any updates to the contract from being undiscovered.
Likely one of the great components to employing blockchain technology is for down payments and funds kept in escrow.
Seek accountable, efficient collaboration
One thing is closing deals inside the country however it's always a totally different thing when completing international deals and these deals need even more care to ascertain a clean closing.
Recognizing all the moving parts to your unfinished contacts, leads and deals is critical to your success. Have you any idea the real time standing of individuals in your pipe at the moment? If you're not you ought to.
Consider this though, as a real estate agent dealing in international transactions, wouldn't it be good to have a SaaS tool that handled all the online digital areas from start to finish for any sort of international real estate deal? Transactional openness throughout any real estate purchase is essential but couple that with a technology that can simplify your flow including ensuring security, would forever alter the industry.


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The Case Against The 3/5/7 Match Maker (READY)
Liberty75 posted a topic in Article SubmissionsThe Case Against The 3/5/7 Match Maker (updated with a 400 game sample size in each MM) A few months ago I studied the changes to the match maker (MM) implemented in patch 9.18 and noted that it pushed players into more matches as a low tier vehicle, as would logically happen with a template that is built like a pyramid with more tanks at the bottom than the top. Initially I was neutral about this change and was only curious about how it would affect the game in general and more specifically me as a player. After a few months of playing and studying the effects of this new system I find it to be an overall negative to the game in general and a frustrating bore to me as a player. I wanted to make my viewpoint about this issue clear from the start so that the player reading this who is invested in defending Wargaming's new system can take a moment to pause and consciously listen to my arguments with an open mind instead of becoming defensive as you read. This is difficult for most of us to accomplish, including myself, as our egos are involved, but I am hopeful that some readers will overcome this hurdle. My arguments for removing the 3/5/7 template system are straightforward and backed up with numbers. My main points are that the system failed to achieve its stated goal and that the tradeoffs we surrendered to get this system were not worth giving up for what we received in exchange for them. We lost some obvious and some not so obvious aspects of the game when WG implemented this policy. As a side note, I will use "3/5/7 template" to describe the new system even though it also has other variations (such as 5/10 and all the same tier matches) since that is the name WG has given it and since most matches are in the 3/5/7 format during game play. As I said above, I was open minded about the new template when it arrived in 9.18. It was bundled with a lot of large changes if you remember. In the same patch we also received tier 10 light tanks, reusable consumables and vast artillery changes (stun effect, limited to 3 per side, and removal of artillery from platoons). WG didn't exactly sneak the 3/5/7 template into the game since it was a featured change in their communications to the player base, but since it was part of a larger bundle of changes, I think the player base noticed it less than the other changes and they simply believed the company line that the new template would bring more balance to matches by ensuring an abundance of bottom tier tanks. How would a higher amount of bottom tier tanks in a match create more balanced games? To quote WG in their 9.18 Update video, they said "this will guarantee that you find your target," and this is the only reasoning they gave to us in North America (as far as I know) on how flooding the bottom tiers of a match would balance teams and make more competitive games when this change came out. People have since claimed that they made the change to help weaker players by giving them more targets to shoot at. While this may or may not be true, the original stated purpose of this system to create more competitive matches has not materialized to any significant degree. By their own standards, this template was a failure and that alone should be enough to reverse their decision, but don't hold your breath. In an article titled "Matchmaking in 9.19.1 and the Road Ahead" published on WG's North America website on June 28, 2017, they have doubled down on the 3/5/7 template and have stated that it is successful. How did they come to this conclusion? They arrived at it by reading forum comments about how much happier players are with the new MM. After reading this statement, I had two issues with it. First, only a small minority of players actually post on the forums and the players that consistently post on the forums generally tow the company line on most issues for whatever reason. And second, the weaker players that post seem to be happier because they supposedly have more targets to shoot at in matches. It is the side effect of the 3/5/7 template that players are happy with and not the main objective that was stated by WG. In that same article mentioned above, WG is now pushing the 3/5/7 template more on allowing players to contribute rather than on balancing games as they did back in April. They have shifted their emphasis. They write, "remember the less-than-desirable scenario of playing Tier VIII and getting matched against Tier X? Now think how it feels in the game as it stands today. Having a few top-tiers on the other camp no longer makes you question the point of battling." (Apparently they have missed or ignored the angry complaints on the forums about the new system and being bottom tier all the time in tier 8 matches). So WG has changed their stance from balancing teams to allowing players to contribute more as a bottom tier tank. This shift in emphasis is rather peculiar, but in their defense, they are trying to sell us an idea in this case and a product in general and they will do it however they can. Now if we look at the unintended (or intended?) side effect of this 3/5/7 template change, that of helping weaker players as a bottom tier tank by giving them more targets than they had before 9.18, it could still be a good change and not a total failure. The perception that many have now is that players always have targets to shoot at and players feel that they can always make a difference in this new system. That is what WG told us and that is what they believe. But is it true that these weaker players are now better off or does it even matter if they are better off if the overall gaming experience is being ruined for the greater population? Let's take a closer look at what happened when they implemented the 3/5/7 template. The biggest and most obvious change was the frequencies of being selected top tier, middle tier, or bottom tier in a match. To get information for this I used WoT Replay Analyzer to inspect 400 games from tier 5 to 8 before and after the 9.18 update. I excluded light tanks and tanks what get special tiering. Otherwise, I selected the matches in four separate 100 game periods from before 9.18 to collect that part of the data set. I took an old sample of 100 games that I had under the 9.18 update and added another 300 games from under the 9.19 update to also give some diversity to that sample. Due to the new system having 6 likely breakdowns instead of the old 3, I combined those 6 into 3 to match the old system.* For top tier, I combined 3/5/7 and 5/10 matches as a top tier. For middle tier, I combined middle tier (3/5/7) and all the same tier matches since they were closest to each other in dynamics. For bottom tier, I combined bottom tier games in the 3/5/7 and 5/10 formats. Here is the breakdown of what I found: top, middle, and low tier in the old system were 36.0%, 35.5%, and 28.5% respectively and in the 3/5/7 template system they were 7.0%, 36.0%, and 57.0% respectively. Before I gathered the data I guessed that the old system would break down into about a 1/3 for each tier. This perception was wrong on my part. The middle tier games were slightly greater at about 36% and my memory of being top and bottom tier were also off by a little. I was shocked that bottom tier only occurred 28.5% of the time. I thought it would have been a little more than that. This shows how faulty our memories can sometimes be. As regards the 3/5/7 template, I already had a good idea of what those numbers would be since I had studied them already and posted them here a few months ago. My greatest curiosity was in gathering the second set of 3/5/7 numbers (another 300 games) and whether or not they would still mirror the old numbers. They generally did, except that there were more overall bottom tier matches, but mainly in the 5/10 set. Those numbers essentially speak for themselves in what we had to give up to get this 3/5/7 system. The general player lost almost 30 points of top tier matches and gained about 30 points in bottom tier matches. If the general player base was better off with these changes, then maybe it would be a good tradeoff to have this 3/5/7 template, which leads us to the question: is the general player base better off being a bottom tier tank 57% of the time now as compensation for more bottom tier targets in those matches, and are the weaker players, the real supposed beneficiaries of this policy, even better off now (keeping in mind that being bottom tier was their struggle in the first place)? The general understanding of this issue by weak players can be summed up in a recent quote I have from a response I received on the official game forums. It was written by Pipinghot and he said, "players have been complaining for years that they don't like being bottom tier when there are only 2 or 3 tanks on each team that are bottom tier. Lots of people have been saying for a long time that bottom tier would be more fun if there were more tanks on both teams that are bottom tier, and this would allow all of the bottom tier players to be more relevant to their battles, and be able to contribute more to their teams." I think he did a good job of summarizing the concerns of weak players. While he is correct in understanding why a player would struggle as a group of 2 or 3 bottom tier tanks, he is misguided in thinking that the old system had a great frequency of matches like that and also that the current system is better for weak players. It is at this point that you may say, "now hold on Liberty! Bottom tier players are guaranteed at least 7 tanks and that is much better than being in a pathetic group of 2 or 3. Of course the new system is better for these players!" If those are your thoughts, Pipinghot would support you as he added to his post saying, " Many (many, many) people hated the old system that limited your ability to help your team when you were bottom tier, that problem has been significantly improved now that there are more middle and bottom tier tanks." Let's see if this perception that weak players or players in general are better off now or has WG pulled the wool over our eyes. When I analyzed those 400 pre-9.18 games for information, I also recorded the team breakdowns and my positional tier. This took some time, but I think it was worth it. I wasn't sure what I was going to find either. Perhaps players were getting crushed as bottom tiers before this 3/5/7 template and I was all wrong about this. What did I find in those 400 games taken from tier 5-8 tanks I was in? Well, first I should define what I was looking for. I sought out battles that had 5 or more top tier tanks and 3 or less bottom tier tanks, as defined by Pipinghot. I chose 5 or more top tier tanks since 3 is apparently the current magic number and I figured that 1 more wouldn't be much of a change from 3. With those parameters, out of 400 matches, I found 102 instances of these horrible match ups. 102 out of 400 is an alarming number too, but before we faint, we need to remember our rough frequency breakdown of 35% top, 35% middle, and 30% bottom. Out of that 102 we would probably see only 30% of those matches as a bottom tier. After taking that 30% into account, we get 13 matches. So out of 400 matches, players would get horrible matches about 31 times, which equates to 8% of our matches. Although, after getting these numbers, I realized that the more high tier tanks in a match, the less likely it would be to get stuck as a bottom tier tank. That 30% of bottom tier matches is the wrong percent to use to find out the frequency of horrible match-ups. So now I instead individually counted the actual matches that I was bottom tier in that set of 102. To my own shock, I came up with 6 matches that I was bottom tier out of that 102. So out of 400 games, I was put in a horrible match 6 times (that is 1.5%). Even if I were lucky, the likelihood of someone getting a horrible match would probably still be very low, probably no more than 5% with the worst luck. If you think the criteria I used is too extreme and I should have broaden the numbers, I did. I looked at matches that had 5 or more top tier tanks and now 5 or less bottom tier tanks. This criteria gave me 185 matches out of the 400 and I was bottom tier a total of 29 times in these matches, only slightly over 7% of the time. In general, if I look at the frequency of matches that had 3 or less top tier tanks, it came to 18.5 %. Matches with 4 or 5 top tier tanks was 37.0%. Added together, 55.5% of the old matches had 5 or less top tier tanks, a decent majority. Matches with 6 or 7 top tier tanks had a frequency of 30.75% and matches with 8 or 9 top tier tanks was 10.25%. Matches with 10 or more top tier tanks was at 3.5% (and of that 3.5%, 4 matches, more than a 1/4 of them didn't contain any bottom tier tanks). Now I ask again, are we helping players by making them bottom tier tanks significantly more of the time because they had bad experiences about 2% of the time in the past (or even 7% of the time!)? We must remember when addressing this question that most of the bottom tier matches in the old MM had a good mix of tanks already without a 3/5/7 template. It was only a tiny amount of matches, as defined by Pipinghot, that players struggled with. And if weak players struggled with 4 or 5 top tier tanks in the old system then what difference would the new system make for them? They will actually be struggling more because they see bottom tier matches 57% of the time now instead of about 30%. These weak players and the player base in general would be better off having 35% top tier matches instead of 7% as they can control their fate more in those matches. In top tier matches players have more armor, hit points, firepower, etc. over their opponents. When we strip them of these top tier matches, they are not better off, but worse off. While being bottom tier 57% of the time is bad enough, we also sacrificed some other more subtle characteristics of the game when we moved to this new MM. These tradeoffs may concern players that otherwise don't care about this issue on a top or bottom tier perspective. These other issues are more about aesthetics, but still affect our interaction with the game greatly. One new trend is that the current system becomes tedious after a while. We are constantly thrown into the same match-ups game after game. We get either 3/5/7, 5/10, or all the same tier. I have seen other variations than these only 3 times in over 1000 games, so these 3 are basically all that is expected. In a game that is repetitive already, we don't need mechanics that make it worse. This system encourages a boring environment. The old MM, with its flaws, was able to create over 130 different team lineups in a 3 tier pool of tanks (tier 8, 7, and 6 for example). When I did my research on pre-9.18 games, I identified 114 unique team lineups out of that 200 games. There was a certain beauty in seeing that mosaic of different teams listed across my Excel spreadsheet. There were matches that were 1/8/6, 2/10/2, 5/3/7, 8/1/6, 12/3/0, and everything in-between. After 9.18, in those 400 games, I saw 3 different team lineups over and over. Maybe it is just me, but I find this to be on the lame side. They took a dynamic way of making teams and made it strictly uniform now with no chances of an exciting or odd lineup of tanks. Flat out, this is boring. On top of being dull, the new 3/5/7 template takes an element of chance out of the game too. I find that as much as I dislike random number generation (RNG) consciously, humans have a subconscious affinity for games of chance and keep coming back to them. There is an element of excitement when you get what you want, whether it be a top tier match or you high roll a Skorpion G with an HE round. It keeps us coming back for more despite the disappointments in-between our triumphs as long as the odds aren't that bad. That aspect of the MM is now unfortunately gone. Another issue that we have is also connected with the new monotonous format that we went over above. WG is "dumbing down" the game. In the article on the MM mentioned earlier, there is a line that caught my eye on this topic. They wrote, "It's much easier now to analyze the power balance and the situation before the countdown is over, meaning there's time to think over the enemies' moves and plan your own." I'm not sure about every player out there, but this was not an issue for players that cared about doing better. I never had a big problem with this skill in the past once I consciously tried to master it. I recall watching the old DeathsArrow video series called "WoT I'm Thinking" and listening to him go over the team lineup and that in turn prompted me to do the same thing and improve as a player. When a player decides that they want to get better, they will figure it out without the help of WG. Also, WG should have higher expectations for its customers than what they wrote there. They make it seem like players weren't capable of doing this in the past. And the players that didn't analyze the teams in the past will doubtfully all of a sudden start to do it now. The most helpful tool they could give, and did give to the player base was the list of tank classes at the top of the screen which is not dependent on a 3/5/7 template. These issues in the new system, being mundane, taking away an element of chance from the game, and dumbing it down, are secondary to my main concern about tiering and how that affects the player base, but they are still serious concerns. Many of us have enjoyed playing this game for years and I would hate for us to be pushed away from it because it became boring due to a failed MM change. The new 3/5/7 template isn't helping the vast majority of players in the game and it is leading to frustration and creating a dull playing environment. Many players seem to have been given a false impression by WG and the player base is falling prey to the myths created that support the company line. WG wants the players to think that this new system is a runaway success. Perceptually to some players it is, but in reality It isn't. This system hasn't fixed the problem of team balance that it was stated to have been created for and it also doesn't help bottom tier players. The old system usually had a good spread of tanks in each battle and the few battles that didn't should have been bearable compared with the current 57% of bottom tier matches we now have. The old MM certainly needed to be altered. The old MM needed to be tweaked to make sure that there were the same amount of top, middle, and bottom tier tanks on each side, and also to make sure that each side had a similar amount of tank types (TD, Arty, etc.) per tier, with a +1/-1 differential for variety and to cut down on MM queue time. It also needed a cap on top tier tanks in tier 1 and 2 battles to help protect the new players a little, but beyond that it was pretty good and dynamic compared to what we have now. These changes are simple and would please most of the player base, if not all of it. To conclude, I will leave you with two quotes that are related to this topic. One is from a great player, LemmingRush. He recently stated in one of his videos after he was destroyed at the end of a difficult match, "so when you're bottom tier like this, it's very difficult to actually come out on top, but you just have to understand that, you have to go in into battle with the expectation that you are not going to win and still understand that and be okay with it. Because when you're bottom tier, you know, you're bottom tier." The other quote is from, well, a lesser great player, Claus Kellerman (who essentially represents the average Joe World of Tanker). He said recently when ranting about the old preferential matchmaking premium tanks (IS-6, KV-5, etc) that are getting into too many bottom tier or same tier matches and only seeing tier 8 and 9 tanks now, "shouldn't you be able to make some credits with your IS-6 or KV-5 without being frustrated as f**k, just getting owned by every f**king tank in the game now and having guns that can't do s**t and facing tier 9s and 8s. Like what happened to the preferential matchmaking? What happened to playing against tier 8s and 7s and 6s? I don't know." Constantly being bottom tier is becoming frustrating for many old players and especially our new players. Let's get it back down to 30% bottom tier matches and bring top tier matches back up to 35% so more players can enjoy the game again. ----------------------------------------------------------------------------------------------------------------------------------- * The complete numbers for the 3/5/7 template broke down as follows: Top Tier 3/5/7: 4.25%; Top Tier 5/10: 2.75; Middle Tier: 18.5%; Same Tier: 17.5%; Bottom Tier 5/10: 12.25%; and Bottom Tier 3/5/7: 44.75%. Further Reading: http://forum.wotlabs.net/index.php?/topic/26886-is-something-wrong-with-the-new-match-maker/ http://forum.wotlabs.net/index.php?/topic/27372-hopefully-strict-template-mm-will-die-soon/ http://forum.worldoftanks.com/index.php?/topic/551557-the-great-mm-debate-357-trash-or-triumph/ ----------------------------------------------------------------------------------------------------------------------------------- Appendix: Other charts I later created with the data A more specific chart of player position frequency. Frequency of top tier tanks in a match, but with a players percent of games in those matches from their total matches. These next two are the amount of games in the 400 game sample that the players were bottom tier in a select number group of bottom tier tanks in the match. One chart is the exact number, and the second chart is that percent out of all of a players games. Finis


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Liverpool legend Jamie Carragher hasn't been afraid of upsetting current footballers when sharing his views on the game. Loris Karius, Simon Mignolet and a host of other Liverpool players have come under criticism from Carragher.
Even Jurgen Klopp has faced criticism for his tactics and use of Lucas Leiva as a central defender and James Milner as a left back, so it can hardly be said the pundit doesn't dish it out evenly.
Yet it must be said Carragher seemed to take particular pleasure from weighing in on former Everton and now Manchester United player Marouane Fellaini. In May, Carragher put his name to a whole Daily Mail column of Fellaini criticism, blasting the Belgian's use of elbows and his all round aggressiveness.
Carragher also repeatedly criticised the Manchester United player on TV and the whole thing didn't escape the Belgian media. Speaking to Sport/Foot, Fellaini has been asked by the Belgian magazine what he thinks about Carragher's opinions.
It's fair to say Fellaini just spat it out: "If I am violent and aggressive, what was Carragher? He is the champion of blah-blah and the world champion of breaking legs. If you type his name into YouTube you'll only see him tackling."
It'll be interesting to see if Fellaini gets the Sky Sports Mafia reaction which was handed out to Loris Karius when the Liverpool goalkeeper dared to answer back.


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While the GBJCL blog is on its summer hiatus from writing new articles, we'll share with you a "Book of the Month" each week which was previously featured on our own blog, but not on JewishBoston.
To celebrate National Poetry Month, our April selection for readers 8 and up was the second installment in a trilogy of books which entice older children to explore and craft their own poetry. A Kick in the Head: An Everyday Guide to Poetic Forms is a fascinating and unique illustrated poetry book designed for readers in the middle and older grades.
To read our full description, visit our blog.
This post has been contributed by a third party. The opinions, facts and any media content are presented solely by the author, and JewishBoston assumes no responsibility for them. Want to add your voice to the conversation? Publish your own post here.


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So proud of my Mr Smartie Pants, we got a letter this weekend saying he was one of the boys accepted in to (in my opinion) the best school in the area. One of the reasons we bought this house was the number of schools nearby, some better than others, much better.
A Boys only Grammar school. From what D has said it seems only he and one other boy in his school were actually selected by the grammar school.
|Gold star for my Son!!! Go D!!!
Its brilliant news, I thought I had messed up my lads chances, as the entrance exam was on the weekend back in October when I wanted to throw myself from windows. I refused to accompany him to the exam as I couldn't face going outside, I let him down.
Thankfully his Dad took him there and waited to pick him up after that exam. I wasn't even awake yet when they returned.
Still, that's the past, and this is now!
D is in! He passed and we are all excited.
Now comes the expensive bit, the school insists all pupils have laptops purchased via the school, and set up to match the schools network and have certain programs only on it. I understand wanting control and having all pupils on the same equipment. But this will be a couple of hundred pounds. Then there is the posh suit style uniforms, the compulsory school trips. I hear they recently went away on school camp, not to Devon or something, oh no, only flipping South Africa! (Awesome for D, frightening to my already red bank balance).
The school itself is close to my home, very close – I can hear the school bells from home. This is great news as he can pop home for lunchtimes, or have mates back, he might become more social.
Then there are the other perks of the school, its own gym, a rugby team, a swimming pool, a weights room, a cybernetics club, also certain colleges and Universities look to this school for future students so he has better chances in life.
SON, Mummy is so PROUD of you. I don't care I can't afford it, I'll sell all my cd's and whatever else I think might sell if I have to. You belong at this school, my genius. xxx


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In the closest matchup between the two Indoor Football League expansion teams this year, the Tucson Sugar Skulls took down the San Diego Strike Force 65-48 Thursday night on the road at Pechanga Arena to complete the four-game season sweep.
Tucson's latest win over San Diego comes five days after the Sugar Skulls routed the Strike Force at Tucson Arena on Saturday night.
After injuring his foot and missing most of the second half last weekend, quarterback Jake Medlock started under center and completed 8 of 9 passes for 68 yards and two touchdowns before leaving the game late in the second quarter with an unspecified injury. Matt Behrendt entered for Tucson to score four touchdowns on 9 of 11 passing and rush for 48 yards.
Sugar Skulls running back Mike Jones returned to the lineup after he was placed on the injured reserve list last week. He rushed for a game-high 50 yards and two touchdowns, and he was one of four Sugar Skulls to catch a touchdown.
The Sugar Skulls forced three turnovers; defensive tackle Rayshawn Henderson dove for an interception, and defensive back Micah Eugene and Keith Jones Jr. each had a fumble recovery. Tucson scored 21 points off the three turnovers despite allowing San Diego to post 254 yards of total offense, which is the most Tucson has given up to San Diego all season.
Tucson now holds a two-game lead over the Quad City Steamwheelers for sixth place in the IFL standings. Up next, the Sugar Skulls will play the Bismarck Bucks on the road on May 18 at 4 p.m.


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Accounts payable software is a crucial sub-component of our accounting software.
For any business, accounts payable is a very important tool to keep the lights on (and vendors happy). Making payments can be a very complicated process but with accounts payable software, it can be a breeze! To see how easy it is, here are 4 ways how our accounts payable software can help save your business and make it more efficient in the process:
- Automation: The software can automatically request quotes based on certain certifications. That way you don't have to sift through a long, boring list of vendors. You can also have recurring vouchers (read: invoices). This is really nice because you don't have to set them up each time. Just enter the amount you are going to pay, when they are going to be distributed on a monthly/quarterly/annual basis and voilà!, your vendors are happy.
- Organization: You can manage your vendors based on certifications, the industry they are in, etc. That way you can keep track of which vendors have the right skill-sets, can perform certain services or can provide certain products that you are looking for. This can help you stay organized and not pull your hair out! You can also keep track of invoices you receive in the mail or online.
- Recordation: You can enter banking transactions, in order to record things that are AP related (it could be miscellaneous charges coming out of the bank accounts, quick checks, etc.) That way you don't have to send this transactions through the whole AP process.
- Transaction: Create AP Payments and have them paid on your terms. If you are still printing checks, we can help you! We recommend you do EFT (electronic fund transfers) if you want the send the funds faster but that is completely up to you. A third option is doing both!
These are just four ways accounts payable software can help run your business. What are some other ways? I would love to hear from you in the comments below or privately! Cheers!


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What's on at the Corn Exchange Alford
Regular Events
|Zumba - not back until further notice
Luan Burton 01507 490404
|7.00pm to 8.00pm
|Short Mat Bowls - back on 13th July
Come along & have a go!
£3pp incl. tea/coffee & biscuits
|10am to 12pm
|Eyes Down for Bingo - not back until further notice
£1.00 per book of 8 games
£1.00 per Flyer game
Cash Prizes
Refreshments available
Licensed Bar
Over 18's only
|Doors open 7.00pm for 7.30pm start
|Step by Step Dancing - not back until further notice
Mark & Lynne
01754 610734 or 0797497197
|7pm to 9pm
|Alford Arts & Crafts Group - back on 15th July
No membership fee...
Only £2.50 incl. cup of tea or coffee, biscuits...
First session FREE...
No need to book. Just turn up.
Whatever your craft or hobby bring it along with you, be it knitting, crochet, drawing, painting, sewing, model making, card making, make do & mend, the list is endless.....
Join us and chat as you craft......
Warm welcome guaranteed…..
Make new friends or bring an old friend with you.....
Enjoy the company of fellow crafters of all skill levels.....
Swap hints, tips and new skills.....
Don't sit at HOME, come an join us...
|1:30pm to 3.30pm
|Slimming World - not back until further notice
|Afternoon Tea Dance - not back until further notice
Admission £5pp at the door on the day
incl. tea/coffee & cake..
Easy Sequence & Ballroom..
A Raffle & A Warm Welcome...
Dancing to recorded music..
Leaders & MC Bob & Niki
Further details contact: 01507 463091 or 01754 890663
|2pm to 4.30pm
|First Sunday in every month
Diary Events
|July 2020
No more events to show for July 2020


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Certitude Group helps executives rapidly achieve their business performance goals. We understand and solve tough, strategic performance issues utilizing talented staff working within our structured joint delivery model.Learn More
Roger S. Kellett President & Managing Director
Certitude was founded in 2007 by three partners each with different backgrounds; one in Finance, one in Sales and Marketing; and one in Operations. Each Founder possessed decades of experience in consulting to Fortune 500 clients and executive leadership of professional services firms including: IBM, Deloitte, Cap Gemini, and Solving International.
Today, we are known as a strategy and implementation management consulting firm that specializes in optimizing bottom-line business performance. We have the capability to approach performance improvement through a balanced mix of profit improvement and cost reduction approaches.
We partner with business leaders to quickly deliver bottom line performance improvements in tough situations and environments. "Bottom line" for us is however our clients measure it, but we prefer EBITDA or NOI along with the Balance Sheet.
Certitude Group helps executives rapidly achieve their business performance goals. We understand and solve tough, strategic performance issues utilizing talented staff working within our structured joint delivery model. We do not take assignments unless we agree with our executive client that there are substantial and tangible returns that will result from the engagement. Experience has shown that our approach quickly delivers sustainable improvements and significant bottom line returns.
Our leadership team consists of executives that have held roles inside many of the best companies in the world. Unlike many consulting firms, we do not leverage our earnings using over-priced junior consultants. Every person on each of our teams has a background in industry either as a leader or subject matter expert as well as management consulting. Our experience gets our clients to the right answers and full deployment as quickly as possible.
Our values are best expressed in one phrase: our client comes first. We recruit individuals to our team that demonstrate the following core values in work and life:
The core of our firm is our people. Certitude Consultants are recruited and trained to support our ambitious client work. Our people embrace the following tenets that we call "The Certitude Way" which drives our business culture:
Our professionals have been deeply embedded in their industries as executives or valued advisors and are experienced in strategic decision-making. They have had their on-the-job training long before our clients meet them.
Roger S. Kellett is an original founder of Certitude Group and our President & Managing Director. Roger started his professional career as a manufacturing systems designer in the years immediately following his formal education in Industrial Engineering. He observed early on that the very best design work was essentially worthless unless operators understood how and why procedures were critical to their work. As he evolved more toward the human factors associated with plant design and automation, he received an offer to join a management consultancy with a major emphasis on the human element of "change". That was 25 years ago.
As a Management Consultant, he has worked as an individual contributor and team leader on a variety of projects across numerous industries. His last employer was Cap Gemini Ernst & Young where he was the Managing Director of the Western Hemisphere.
Over his consulting career, Roger and his teams have delivered well over $3 Billion in financial improvements to clients through design and delivery of improvements in revenue growth, total profitability, operational performance improvements, strategic sourcing and supply chain management.
Mr. Kellett is a former student of Texas A&M University and holds a Bachelor of Science and Master of Engineering in Industrial Engineering. He is also a Texas Registered Professional Engineer (inactive).
Our client service is informed by our founders' experience over 100 collective years of delivering against our mission. We deliver rapid, sustainable performance improvement. Our capabilities are driven first and foremost by our talented team of professionals
Our fundamental mission is to work with our clients to develop breakthroughs in performance by:
Every member of our team has had at least two careers before you meet them. First in industry, then consulting.


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September 06, 2012
on my desk... a winter collection!
12 comments :
Oh my! What a great little peek, Stacey! Can't wait to see these images in rubber! I'll be stalking your blog....ReplyDelete
thanks Donna! still finalizing everything but it won't be too too long.ReplyDelete
Oh, I was so hoping for more of your images in rubber!! Hurry, hurry!! Is it too soon to get in line??ReplyDelete
cute cute cute!!! They will make fabulous stamps!!!!ReplyDelete
Oh my goodness! I am already smiling... big! This is like waiting for Christmas morning - it's so hard to wait!ReplyDelete
thank you for the wonderful comments ladies! brings a smile to my face that you all are so excited about creating with my designs. I can't wait to see what you all dream up.ReplyDelete
They are already making me smile! They look great! Can't wait to see the whole thing :)ReplyDelete
so wonderful when my work puts a smile on someone's face.... thank you cindy!ReplyDelete
I, too, was hoping you'd be putting more of your images in rubber!!! Yipppeeeeeeee!ReplyDeleteReplies
Cindee! glad to hear you are delighted! thank you! now there will be even more stamps to choose from.Delete
Very excited about this. I've been using Peep & Tucker a lot. They could use some more friends. :)ReplyDelete
Bonnie! I am so glad you are enjoying Peep & Tucker and creating lots of goodness with them. Their friends are coming very, very soon.ReplyDelete


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+91 9849210404, 9014838493
Pragathi Nagar Hyderabad-500090.
08:30 - 19:00
Monday to Saturday
123 456 789
Goldsmith Hall
New York, NY 90210
07:30 - 19:00
Monday to Friday
Cornerstone International School is promoted and managed by Jagan. It is located in a pristine pollution free area in Pragathi Nagar, Kukatpally, Hyderabad. The school has infrastructure to promote and facilitate holistic learning without losing out academic importance.Contact Us
Opp. Jagan Studios, Vasavi Layout, Aleap Junction, Pragathi Nagar, Kukatpally, Hyderabad-500090. Telangana.
Week Days: 08:30-19:00
Saturday: 08:30-15:00
Sunday: Closed
@copyright 2016 Cornerstone international school All Rights reserved.
Designed By Scienstechnologies


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Ring the door bell and come on in to check out our holiday details.
Or maybe he comes in BLUE, Dodger Blue.
This is the tree in Monkey's room.
Since so much time is spent in the kitchen, a few Christmas details.
Off to the bathroom.
Would you like a towel to dry your hands?
And all of our cherished Christmas cards from loved ones. Card hanging idea from Pink and Polka Dot.
And as the sun goes down, we enjoy all of our twinkling Christmas lights.
Merry Christmas everyone.


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Ukraine's two reformist political parties have finalized a coalition deal that could clear the way for resolving months of political impasse.
Backers of President Victor Yushchenko and former Prime Minister Yulia Tymoshenko signed the agreement on forming the new government Thursday.
Ms. Tymoshenko said she believes the coalition can form an effective government and provide hope for "deep and systematic" reforms in the country.
The agreement stipulates that Ms. Tymoshenko will return as prime minster, while Mr. Yushchenko's Our Ukraine Party will choose the parliament speaker. The election of the speaker has been delayed until next week.
Ms. Tymoshenko served as prime minister after Mr. Yushchenko won the presidency in 2004, but he later fired her.
Some information for this report was provided by AFP and AP.


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Snazzy Baby 4-in-1 Deluxe Travel Chair
Make everything from meal times to grocery runs with bub an absolute breeze! The award-winning Snazzy Baby Deluxe Travel Chair is the ultimate solution for parents with wrigglers on their hands, turning an ordinary chair into a child-safe restraint in just 30 seconds. Use it to secure them on your lap, airplanes, shopping carts and more for hands-free holding and feeding.
- Snazzy Baby carriers
- Model: Deluxe Travel Chair
- Colour: Black
- Pack contents:
- Travel chair
- Travel pouch
- Converts almost any chair into a child-safe restraint
- Allows for hands-free holding and feeding
- Buckle fasteners and 4-point restraint system
- Non-slip base for added grip
- Simple roll up design for compact storage
- Secures baby in/on:
- Your lap
- Chairs
- Shopping carts
- Airplanes (in-flight only)
- Age suitability: 5+ months - 2.5 years
- Weight suitability: Up to 17kg
- Materials: N/A
- Machine washable
- Dimensions (approx. cm): 50 x 25 (L x W)
- Designed in: Australia


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If you do not want to spend ages in the kitchen to make dessert? Need a simple but elegant dessert for dinner party?Try Poached pears with ice cream, whipped cream or even with a cake.
Masala Bhat
Last Updated on
When I was expecting my second kid I craved for this variety of rice. The only problem was I could not explain what I wanted. Till I ate it I could not remember its called Masala Bhat.
My kids have told me that they have found this pulao "strange" and "funny" so it seems to be the sad end to his wonderful fragrant variety in my house( I hope it is for now)
½ cup copra grated
9 cloves
3 sticks (21/2 inch each) cinnamon
1 tblspn sesame seeds
5 tblspn coriander seeds
4 tsp cumin seeds
½ cup oil
1 tsp mustard
1 spring curry leaves
¼ tsp asafoetida
5 green chillies
200 grams gherkins' cut into quarters
3 cup basmati rice Salt (Adjust as per taste)
¼ cup cashew nut
5 cups Water
½ cup coconut grated
2 tblspn coriander leaves
- In a pan roast copra, cloves, cinnamon, sesame seeds, coriander and cumin seeds together till copra is golden brown. Grind the roasted ingredients to a powder.
- Heat oil in a thick bottomed pan. Add mustard seeds. When they crackle add curry leaves, asafoetida and chillies. Stir for a few seconds. Ad gherkins'. Stir fry for about 3 minutes. Add rice. Stir fry for about 3 minute. Ad powdered spices, salt cashew nuts and water. Stir.
- Cook till rice is done. Serve hot with coriander and coconut.
P.S: I have made this rice in the Futura Cooker. It's actually the recipe given in their cookbook with no changes at all. You can use the same recipe for cauliflower, green peas and brinjal or eggplant


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This was published 6 years ago
Uber set to join the $10 billion club, sources say
- Uber car hire expands service options
- Victoria issues $1700 fines to Uber drivers
- Uber snubs NSW's position on ride-sharing
Uber is seeking to join the $10 billion-plus club.
The San Francisco-based start-up, which makes a mobile application for car-service booking, is in talks to raise new financing in a round that may value it at more than $US10 billion ($10.7 billion), according to sources with knowledge of the situation. That would almost triple the company's value from $US3.5 billion last year when it garnered $US258 million.
Uber is discussing raising less than $US1 billion with new private equity investors, said one of the sources, who asked not to be identified because the information is not public. The size and value of the funding may change, the source said.
An Uber representative declined to comment.
If Uber completes a round at more than $US10 billion, it would join an exclusive group of closely held companies with 11-digit valuations. Room-sharing service Airbnb and online storage service Dropbox were valued at $US10 billion in recent fundraisings, while Palantir Technologies sought at least a $US9 billion value last year. By contrast, the median market capitalisation for technology companies in the Standard & Poor's 500 Index is about $US16 billion, according to data compiled by Bloomberg.
Technology bubble?
At more than $US10 billion, Uber would exceed the valuations of technology companies including Red Hat and Akamai, as well as retailers Best Buy and Staples.
The fervour around start-up financing has renewed debate about whether Silicon Valley is in a new bubble. While there are fewer technology IPOs today compared with the late 1990s dot-com boom, venture funding hit $US10 billion in the first quarter, the most since the second quarter of 2001, according to researcher CB Insights. Start-up financing rounds in the first quarter also hit their highest median valuation increase since 2004, according to a survey by law firm Fenwick & West.
Uber is raising new financing to boost growth and its operations, said the people with knowledge of the matter. The company recently hired Cameron Poetzscher from Goldman Sachs to head its corporate development. Poetzscher joined Uber in March and formerly was a managing director at the Wall Street's firm merger and acquisition practice in San Francisco, according to his LinkedIn profile.
Uber's vision
Uber was founded by Travis Kalanick and Garrett Camp in 2009 after they couldn't find a cab during a trip to Paris. The company has since raised $US307.5 million from investors including Benchmark, TPG Capital and Google Ventures. The company, which rolled out its service to 115 cities globally, has 900 employees. It takes a 20 per cent commission from its drivers.
"Our vision is to build a technology company that changes transportation and logistics in urban centres around the world, and this financing gives us the fuel to make that a reality," Kalanick, Uber's chief executive, said in a blog post last year.
Uber has a high-end service for limousines and luxury cars, as well as lower-priced options. The company recently started a courier service in Manhattan, New York, that may be expanded elsewhere.
Uber and its competitors have faced numerous challenges since its founding. Rival Lyft raised $US250 million in April and expanded its car-sharing locations by two-thirds to 60 US cities. Lyft's cash hoard has enabled it to drop prices for rides, spurring a price war with Uber.
Uber is also facing regulatory hurdles around the world over safety concerns and protests by taxi drivers' lobbies. London's taxis are planning a 10,000 cab protest next month, following similar protests elsewhere in Europe.
In Australia, the Victorian government last week cracked down on the "ride-sharing" component of the Uber app by issuing $1700 fines to drivers.
The NSW government is currently mulling whether to block Uber's ride-sharing service, after the NSW taxi council last month labelled it a danger to the public.
Bloomberg with Ben Grubb


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Typical day Off-piste
Photo fond Vallons ©boone
Your session at La Grave with Snowlegend
It is our pleasure to guide you on the magical slopes of La Meije! You will have an incredible freeride day, weekend, mid-week, week in La Grave!
It is important to book the mountainguide, because the Snowlegend team consists of 12 guides. We want to remain a small friendly professional(... >>>)
Meet with your guide, check your equipment and safety material.
You will be introduced to the Snowlegend team. or welcome again !
Meet at the Snowlegend Chalet, the day before your session from 5.30 to 7 pm or in the
morning start at 8am
Meeting with your guide and check safety equipment, ski, snowboard…
You can hire for free: avalanche transceivers, a(... >>>)
Rental ski and snowboard La Grave with a 5€ discount at Snowlegend shop
It is possible of rental avalanche airbag Mammut (client price 25€ / day - choice of 8 models) please make sure you book these in advance.
You can change size and model of your skis or board based on the conditions and programme for each day.
Freeride skis Sky, Soul, Super 7HD
Alltrack ski(... >>>)
Daily lift tickets for Téléphériques des glaciers de La Meije
46€ Adults, 39€ Children under 25
Telepherique cabins take 6 people allowing us to share knowledge, laugh, hydrate, relax and enjoy the fantastic view !
Break for lunch at the Refuge Chancel 2508m, restaurant at 3200m or a restaurant in the village of La Grave ... please invite your(... >>>)
Depart when the lift opens in a private group or a mixed group of 1 to 7 riders
Depending on weather conditions different itineraries and choices of slopes are proposed.
Your Snowlegend guide will take you where conditions are best, ensure your safety and give you tips and advice.
Daily vertical drops from 4,000m to 12,0000m. 2 to 7 runs of pure happiness !!! "Wide open(... >>>)
The sight of La Grave La Meije filled with powder inspires your guide to find new lines!
We appreciate the incredible view of the Alps…
3650m A small drop to start, then multitudes of lines at "full speed" on the glacier!
3100m We arrive between rocks and long glaciers depending on the routes chosen!
2900m Long couloirs and beautiful virgin slopes await you!
Option to abseil(... >>>)
Après-ski in the La Grave village
In the evenings we offer a Chartreuse aperitif, you are welcome to bring along products from your region for us to taste too.
A heated room is available, reserved for clients to leave equipment.
Massage is available by appointment with a specialist masseur or physiotherapist.
Have your skis or(... >>>)
- Freeride Snowlegend
- Book a mountain guide Uiagm in La Grave - La Meije
Ski, snowboard international freeride camp
quality, safety, advice.
- La Grave ski
- La Meije freeride
- Family freeride Off-pist experience in La Grave - La Meije
Free rental skis, snowboard or airbags for kids/youths
Exceptional day in family in La Grave
- Unforgettable
- High Altitude Zone
- Discover the Vallons of La Meije with a freeride Snowlegend guide
La Grave freeride safe with a mountain guide
Guide & ski pass
- Unique
- The coolest present
- Gift voucher Freeride guide day in La Grave - La Meije
The coolest present for a day or weekend
La Grave - Vallons de La Meije
- Dream day


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I have been a little quiet on WordPress over the past few days and that is because I am in the creating and making cycle. My wire sculptures and illustrations are very time intensive, which means disappearing into my creative world for at least 6 hours a day. I am not complaining because the time spent in my imagination is wonderful. The physical world disappears and I enter a very gentle and nurturing space that is dreamlike. My husband and daughter have become used to me disappearing into my imagination and have stopped trying to engage me in conversations because I simply do not register their presence. They do not take offence anymore, which is a relief and recently I have noticed that my daughter now escapes into her imagination (she is an author).
Below is a snippet of my latest illustration that has a Christmas theme. I am only providing a snippet because it is not complete and the next stage involves kinetic movement, which is also time intensive but a lot of fun.
Before I go I would like to acknowledge 'you' (WordPress blogger) for your intelligent, thoughtful and respectful comments and support. I am on a few blogs and WordPress shines above all others.


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We employ a permanent Dangerous Goods Safety Advisor (DGSA) who is assigned to every hazardous goods relocation and has the main responsibility for monitoring compliance with all dangerous goods regulations.
We take care of all aspects of hazardous goods relocation by preparing and managing all the documentation for transportation. Our attention to detail and methodical approach makes sure that risks are minimised and deadlines are met.


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"I'm The Wrong Color To Get Approved For Social Security Disability"
I hear the statement, "I'm the wrong color to get approved for Social Security disability", from my clients from time to time. I tell them, politely, "You don't know how wrong you are." It's not that race plays no role in who gets approved for Social Security disability. I wish it didn't, but there is clear evidence that race does play a role. The thing is that the people who tell me that they think they're not getting approved because of their skin color are white. I'm white so they feel they can confide in me. They are completely wrong. The evidence is that African-Americans face a harder time getting approved for Social Security disability. Social Security did a study and it does seem to show a problem. My African-American clients probably feel they're being discriminated against but they're too polite to mention it to me since I'm white. Actually, I wouldn't be offended if they expressed this. I would be a bit embarrassed to have to tell them that their may be some substance to their suspicion but I wouldn't be offended.
I don't really understand why there is real evidence that African-Americans have a harder time being approved for Social Security disability. The vast majority of the time that a Social Security employee deals with a disability claim, they are dealing only with a paper record which does not emphasize the claimant's race. However, medical records usually mention a patient's race for completely valid reasons. Doctors can't be color-blind since there are racial differences that affect medical care in significant ways. For example, diuretics (water pills) often do a good job of controlling blood pressure in persons of African descent but don't seem to work as well with people of European descent. Since diuretics are inexpensive, they're usually a sensible starting point in blood pressure control for African-Americans while doctors usually start with more expensive medications for European-Americans. Why would the casual mention of a claimant's race in medical records make a difference in the outcome of a Social Security disability claim? I don't know but it seems to. I wish that the differences could be attributed to factors such as differences in access to health care, for instance, but the differences seem to go beyond that. The differences aren't huge. The reason why you are approved or denied probably isn't your race but sometimes race seems to creep in.
I find this embarrassing as an American but there it is.


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Hollywood Forever Cemetery was a nice place to visit though you don't want to live there. (lol) Bad joke.
I always enjoyed going there, except for my best friends funeral, but it couldn't have been a nicer or more beautiful and appropriate setting. He loved film, the Business and Hollywood, like me, we shared that. We shared that, our wacky out there ideas regarding existence, and vampires. Anyway this post isn't about that relationship, that is for another time. Had I gotten to work here, like I wanted to do, I might still be in Los Angeles but…it was not meant to be.
This is one of the mausoleums. I don't know why but I think they are beautiful. I am a energy sensitive person and I never felt creeped out her but peaceful.
Douglas Fairbanks Memorial
The Johnny Ramone Memorial Statue
Hollywood Forever has lots of fun and interesting events. In the summer they show films. In the movie Valentines Day they Shirley MacLain and Hector Elizondo attended a screening.
They have a celebration on the Latino holiday Día de los Muertos, Day of the Dead.
Photo by Christopher Victorio
If you live in the Greater Los Angeles Area you most likely know about it. If you are visiting go.
Here are some links:
Cinespia Calender