text:
Clearing 2020
No Clearing places available on this course
This course is not offering places through Clearing. However, you could still study with the Coventry University Group.
Course code:
Study options:
3 years full-time
Coventry University
Get in touch
For questions regarding study and admissions please contact us:
Course code:
Study options:
3 years full-time
Coventry University
Get in touch
For questions regarding study and admissions please contact us:
Course code:
Study options:
3 years full-time
Coventry University
September 2020
Get in touch
For questions regarding study and admissions please contact us:
Midwives play a pivotal role in supporting the health and wellbeing of women and their families during all stages of pregnancy, childbirth and the early postnatal period. Midwives often describe their role preparing women for the delivery of new life as 'privileged'.
Becoming a midwife means undertaking professional education at degree level. Some midwives are qualified nurses who have chosen to change career direction and undertake the extra study necessary to be registered as a midwife. Others begin their career by working their way up via support roles, such as starting as a maternity support worker, before going on to study for a midwifery degree later.
Ranked 4th for Nursing and Midwifery in the Guardian University Guide 2020, Coventry Univeristy provides you with the opportunity to learn in our multi-million pound Alison Gingell Building with up-to-date equipment and simulators. Strong student satisfaction is demonstrated by the fact that this course has achieved 100% overall in the National Student Survey in 2017/18 and 2018/19. See the facilities available in our brand new Alison Gingell Building.
Why Coventry University?
An award-winning university, we are committed to providing our students with the best possible experience. We continue to invest in both our facilities and our innovative approach to education. Our students benefit from industry-relevant teaching, and resources and support designed to help them succeed. These range from our modern library and computing facilities to dedicated careers advice and our impressive Students' Union activities.
To ensure an optimised and continual student experience, the university may deliver certain contact hours and assessments via emerging online technologies and methods across all courses. For courses due to start in September 2020, in light of Covid-19, we are currently preparing for courses to be delivered in a variety of forms, subject to Government and Public Health guidance. Whether on campus or online, our key priority will be staff and student safety.
Global readyAn international outlook, with global opportunities
EmployabilityCareer-ready graduates, with the skills to succeed
Teaching ExcellenceTaught by lecturers who are experts in their field
Course essentialsA degree which offers you more, at no extra cost
Accreditation and Professional Recognition
This course is accredited and recognised by the following body:
Nursing and Midwifery Council
The course is currently accredited by the Nursing and Midwifery Council (NMC). Currently, Coventry University also has UNICEF Baby Friendly Initiative (BFI) accreditation.
Our Facilities
Mock Operating Theatre
Our Alison Gingell building includes a full-size mock operating theatre, containing scrub sinks and theatre lights. We also have a mock hospital ward so that we can study a complete patient pathway.
Our facilities include a mock ambulance, which students can use as part of their studies, to help simulate the patient journey. This gives students the opportunity to learn in situations that mirror real life scenarios.
Hospital Wards
We have two fully-equipped mock hospital wards, each containing 4 beds. The wards are built to NHS standards and contain moveable beds, first aid equipment and patient monitoring tools.
Patient testimonial
The Coventry University Midwifery Course provides a transformational course in a supportive environment allowing students to develop professionally and personally.
Course information
As a midwife, you will care for childbearing women and families in a changing society and, as such, this course aims to provide you with the knowledge and skills relating to contemporary midwifery practice.
In modern health and social care settings nursing and midwifery students are increasingly required to work towards becoming autonomous practitioners, taking a leadership role in decisions regarding patient care within multi-professional settings. They routinely have the most frequent and intense contact with patients and must be competent in recognising changes in patient condition so that appropriate action can be taken.
You will have the opportunity to study a wide range of subjects, including anatomy and physiology, pharmacology, psychology, sociology and research methods. This course will give you the opportunity to become immersed in learning about the needs of populations, individuals, related health and nursing services with an emphasis on using research to enhance and improve services. This is an integrated course where theory and practice are undertaken simultaneously. As the course progresses the amount of time spent in clinical practice will increase.
The collaborative course curriculum, which you'll study alongside students from other health-related courses, has been developed in response to the need to produce professionals who are effective communicators, caring and compassionate, with good relationship building skills. It recognises the importance of inter-professional working within the health and social care workforce and comprises five core modules in the areas of: the foundations of communication and professionalism; the social determinants of health and wellbeing; evidence informed practice and decision making; working together to lead service improvement; and enhancing practice through evaluation and research.
We constantly review the course content and teaching to ensure we reflect the latest developments in the field and comply with the requirements for Nursing and Midwifery Council (NMC) accreditation. Where required by the NMC for accreditation, the course content may need to change and students will be notified of any such changes as soon as is reasonably practicable.
Course Specification
Download PDF
The focus in the first year is on the acquisition of knowledge and skills for normal childbearing and the development of study skills.
Introduction to Midwifery
Medicines Management in Midwifery
Normal Childbirth
Woman-centred Midwifery Care
Developing Skills in Midwifery Practice
Foundations in Communication and Professionalism
Social Determinants of Health and Wellbeing
The theme for year two is diversity in maternal and neonatal health with the focus on further development of knowledge and skills in normal midwifery and the acquisition of knowledge and competence to care for women and babies with complex health needs.
Promoting Healthy Lifestyles
Complexities in Childbearing
Legal and Ethical Issues in Midwifery
International Perspectives in Midwifery
Developing Skills in Parent Education
Evidence Informed Practice and Decision Making
During the final year of the course, you will have the opportunity to continue to develop midwifery skills and knowledge which should ensure your readiness to assume the full role and responsibilities of a midwife ready for registration with the Nursing and Midwifery Council.
Your degree culminates with a literature review related to one aspect of nursing practice, equivalent to the standard dissertation, for which you will write a 5,000 word report.
Throughout all years, you will have the opportunity to develop skills in communication, health assessment, professional practice, evidence based practice, knowledge of public health and policy, as well as legal and ethical issues.
Emergencies in Childbirth
Becoming a Competent Practitioner
Clinical Decision Making
Autonomous Midwifery Practice
Enhancing Practice Through Evaluation and Research
Working Together to Lead Service Improvement
We regularly review our course content, to make it relevant and current for the benefit of our students. For these reasons, course modules may be updated.
We regularly review our course content, to make it relevant and current for the benefit of our students. For these reasons, course modules may be updated.
Our Nursing and Midwifery courses are ranked 4th in the UK by The Guardian University Guide 2020
In more detail...
Helping mothers bring new life into the world must surely be one of the most rewarding professions and a shortage of midwives in the NHS in England alone means that now more than ever they are in great demand.
While there are lots of opportunities for midwives to work on antenatal, labour and postnatal wards and neonatal units in hospitals, more midwives are also now working in the community, providing services in women's homes, local clinics, children's centres and GP surgeries.
This course aims to prepare you for the dynamic and fast changing health and social care system, and to develop you into an adaptable, flexible, reflective, competent and compassionate practitioner. A key benefit of our curriculum is the notion of collaboration across all areas of health and social care: some modules are studied in conjunction with other health and social care professionals; looking at specific issues and challenges they face to broaden your knowledge and expertise.
From the outset, you'll have the opportunity to gain hands-on experience under the supervision of an experienced midwife, who will support you to manage a small caseload during the course. You will be encouraged to develop the clinical and care skills to become a professionally competent midwife who can soundly analyse a woman's needs, plan an appropriate programme of care and then implement it safely, effectively and sensitively.
We emphasise a problem-solving approach, reinforced by the capacity to evaluate the best possible outcome and reflect upon personal performance. You will be encouraged to place the mother, baby and family at the centre of care and will operate flexibly as a member of the wider inter-professional team.
To help increase your employability, the course also incorporates the theory component of the Newborn Infant Physical Examination (NIPE), which delivers the content specific for the knowledge and skills required to cover the NHS Ante natal and New-born Screening Programme as required by the National Screening Committee.
- Student satisfaction - 100% overall as reported in the National Student Survey (NSS) 2017- 18.
- Fully accredited by the Nursing and Midwifery Council (NMC) providing eligibility for registration to practice on successful completion.
- Use of our extensive simulation facilities – from basic life support manikins to high tech simulation dummies, which emulate patient responses and test resuscitation skills. You will also have opportunities to use equipment found in the real world of practice, such as medical devices to assist with all elements of care and especially medication administrations.
- Nursing and Midwifery at Coventry is ranked 7th best in the UK by the Guardian University Guide 2019.
- Outstanding track record of employability – 100% of BSc Midwifery students were in work in graduate midwifery roles six months after graduating (DLHE 2016/17).
- Well established placements for midwifery students in Coventry and Warwickshire at the George Eliot Hospital NHS Trust, South Warwickshire NHS Foundation Trust and University Hospitals Coventry and Warwickshire NHS Trust.
- Multimillion state-of-the-art Alison Gingell Building provides facilities for teaching and research, featuring an operating theatre, critical care settings, community housing and other real life nursing environments relevant to practice.
- There are also opportunities to undertake a range of interesting fieldtrips, including King's Gordon Museum of pathology in London which is one of the largest pathology museums in the world (such field trips may be subject to an additional fee and are arranged by the Coventry University midwifery team. Places are not limited).
Midwifery practice aims to develop the professional values, attitudes and behaviours required to deliver safe and effective, holistic women-centred care. You'll have the opportunity to cover the key concepts of midwifery practice and factors influencing care, for example, Better Births (NHS England 2016) and you;'ll also have opprotuntiies to develop clinical skills which underpin these care factors through practice in the simulation suites.
- Evidence informed practice and decision making: Explores the principles and strategies of Evidence Informed Practice (EIP) to help enable you to apply, creatively, a wide range of sources of evidence for clinical decision making. You will be introduced to research perspectives (methodology and design), audit, health policy, and service user participation as methods to evaluate your EIP plans and interventions.
- Communications and professionalism: Communication is highlighted as an essential skill for all health care professionals because it impacts on patient satisfaction. You will have the opportunity to develop the key professional attributes incorporating the six 'C's model of communication, commitment, courage, care, competence, compassion.
This course uses a wide variety of approaches to teaching and learning to suit individual learning styles. This includes a series of interactive lectures with associated seminars, skills lab activities and practical placements. All modules are mandatory to enable you to exit the programme with the knowledge, values and skills to be able to work within integrated care settings and enhance the delivery of care for service users, their families and carers.
The course is underpinned by an approach to professional care which is characterised by empathy, respect, dignity and kindness towards women and their families. We will encourage you to develop an in-depth understanding of the organisation and culture of modern health care systems, which should provide you with the confidence to be able to take a stronger role in the leadership and management of resources in delivering treatment and healthcare options to patients.
You will be introduced to the practice of midwifery in the midwifery skills laboratory and subsequently by working under direct supervision of a midwifery mentor in community and hospital settings, in which you will have the opportunity to experience the 24/7 nature of midwifery care. Placements in non-midwifery areas and the opportunity to work in midwifery triage areas, early pregnancy assessment units and day assessment units are included from Year Two. You will also have the opportunity to undertake a clinical placement in a local intensive and high dependency neonatal unit.
Placements are sourced for students by Coventry University and do not require additional fees or application processes to be made.
This course will be assessed using a variety of methods which will could vary depending upon the module but may include: Essays and reports, Objective Structured Clinical Examinations (OSCE), Presentations, online tests, mock interview, Triad and Dyad in clinical practice, literature review. You will also be assessed within practice placements.
Coventry University aims to ensure that our courses are fairly assessed and endeavours to monitor your progression towards the achieving the intended learning outcomes.
On successful completion of this course, you should have knowledge of:
- The theoretical basis of midwifery practice to meet the NMC competencies, essential skills clusters and EU activities of a midwife.
- The implications of current legislation, professional regulation, standards of performance and the NMC Code.
- Current developments in midwifery and the biological, physiological, pharmacological, psychological and sociological knowledge related to childbearing.
On successful completion of this course, you should be able to:
- Demonstrate effective individual and team leadership skills and apply quality monitoring initiatives.
- Discuss service user and carer needs in respect of equity, fairness, antidiscrimination, rights, values, customs, culture, beliefs, sensitivity, diversity, lifestyle and environment.
- Utilise and disseminate current research findings and other forms of evidence that underpin midwifery practice.
- Transfer knowledge and skills to a variety of settings and adapt practice to meet varying, unpredictable and complex circumstances.
- Seek clinical supervision to develop safe and effective midwifery practice.
- Critically evaluate relevant research, possible interventions and the most up-to-date technology to support quality care delivery.
- Critically analyse situations and incidents through reflective practice activities.
- Plan, implement and monitor midwifery care, involving service users and carers.
- Evaluate and revise expected outcomes, midwifery interventions and priorities in accordance with changes in the individual's condition, needs or circumstances.
- Demonstrate a range of essential midwifery skills and seek supervision to develop safe, compassionate, skilful and autonomous midwifery practice.
- Consult with service users and carers to identify and respond to their need and desire for health promotion advice, education, support and the development of services.
- Co-ordinate the delivery of midwifery and healthcare within one's sphere of professional accountability, including people with complex and co-existing needs.
- Provide safe and effective immediate care to women and their families.
As this is a full-time modular course, you are expected to allocate 40 hours per week to your learning, including up to 16 hours of teaching contact, self-directed study and reflection and 24 hours clinical practice.
Self-directed study provides time to undertake assessments, prepare for upcoming lectures and access tutorial support.
You will engage in a module entitled International Perspectives in Midwifery and have the opportunity to explore international midwifery practice by examining the role of the midwife alongside global variations in maternal and infant mortality. Socio-political and cultural differences among developed and developing countries are examined with their impact on childbirth outcomes. International strategies for promoting health and safe motherhood, including the Sustainable Development Goals, are also examined.
A two-week elective placement is incorporated into the courses. You may opt to experience maternity services abroad within Europe or beyond – typically one to two weeks' duration (application and additional costs will apply). You will be expected to share your experiences with fellow students, and also benefit from the experiences of other students who have studied elsewhere.
During placements you will have the opportunity to provide care for women and families from a wide range of backgrounds. This first-hand experience enables you to set midwifery within a broad cultural context.
Global ready
Did you know we help more students travel internationally than any other UK university according to data from the experts in higher education data and analysis, HESA?
In 2016/17, we were able to provide a total of 3,482 experiences abroad that lasted at least five days.
Much of this travel is made possible through our Global Leaders Programme, which enables students to prepare for the challenges of the global employment market, as well as strengthening and developing their broader personal and professional skills.
1st for
international experiences
Sending more students overseas than any other UK uni (HESA 2016/17)
Student experiences
The number of student trips abroad for at least 5 days in 2016/17
and counting
The number of students we've helped travel internationally so far
global programmes
As well as trips, we offer other opportunities like language courses
Patient testimonial
I wanted to pass on some feedback regarding one of the student midwives who looked after me, Chloe, who I believe is a second year student. What can I say, she was absolutely brilliant.
Chloe always made sure I was ok when observing and made sure I understood everything, answering any questions I had.
She was a kind, calm, patient, knowledgeable, polite, caring, professional and just lovely. She made a massive difference to me and my time in hospital. She will be a really super midwife (she already is really!) and I am grateful to have had her care.
Entry Requirements
|University Course Code: HLSU164
|A Level
|IB Diploma
|GCSE requirement
|ABB to include Science or Social Science. Excludes General Studies, Applied Science or Health and Social Care as a Science subject.
|DDM in Health and Social Care.
|30 points to include 15 at Higher Level.
|Minimum 5 GCSEs graded 9-4 / A*- C including English, and Science. Within the minimum of 5 GCSEs you will also need Mathematics at a minimum grade 6 /B. You must have results certificates at point of interview.
Applicants may be required to attend for interview.You will also need to sit a maths test as part of the selection process.
A-Level applicants are required to have three A2 Levels. Coventry University may include AS grades within an offer for certain courses, but we are not able to accept two AS Levels in place of one A2 Level. In some courses it may be necessary for entrants to have passed specific A2 Levels in nominated subjects. Please see the course pages for more information.
Access Diplomas
An overall pass in the Access to Higher Education Diploma (60 credits) with 45 Level 3 credits, 30 at Distinction (majority in biological subjects) & 15 at Merit.
Coventry University welcomes applicants who have completed, or who are studying, the Access to HE Diploma developed by the Quality Assurance Agency for Higher Education (QAA). Successful completion of the course will require you to gain 60 credits with at least 45 to be achieved at Level 3 (with the remainder at Level 2). In some cases we will require you to have gained Merit or Distinction grades in a number of units or in nominated subjects. For more information on the entry requirements for your chosen course please see the relevant course pages.
BTEC Level 3 Diplomas
While Coventry University accept the BTEC Level 3 Extended Diploma for entry to most courses, in some cases we will require applicants to have studied either certain named modules or a specific named Diploma. The appropriate course page will have full information on the entry requirements. The University also accepts the BTEC Level 3 Subsidiary Diploma and BTEC Level 3 Diploma for entry to degree programmes, provided that they are studied in combination with other qualifications that provide a total volume of study that is equivalent to three A2 Levels. For example, you could be studying a BTEC Level 3 Diploma plus an A2 Level, or a BTEC Level 3 Subsidiary Diploma plus two A2 Levels. Where a specific A2 or BTEC subject is required for entry then you must be offering this as part of your combination of qualifications.
Additional Information
Admission on the course is subject to a satisfactory health clearance and Disclosure and Barring Service certificate.
|Table of qualifications
|GCE A2 Level
|Tariff points
|L3 Extended Diploma
Patient testimonial
I wanted to pass on some feedback regarding one of the student midwives who looked after me, Chloe, who I believe is a second year student. What can I say, she was absolutely brilliant.
Chloe always made sure I was ok when observing and made sure I understood everything, answering any questions I had.
She was a kind, calm, patient, knowledgeable, polite, caring, professional and just lovely. She made a massive difference to me and my time in hospital. She will be a really super midwife (she already is really!) and I am grateful to have had her care.
Tuition Fees
We pride ourselves on offering competitive tuition fees which we review on an annual basis and offer a wide range of scholarships to support students with their studies. Course fees are calculated on the basis of what it costs to teach each course and we aim for total financial transparency.
For more information, please visit our Finance pages.
September 2020
£9,250 (per year)
UK Scholarships
If you're a truly outstanding undergraduate candidate we may be able to offer you a Coventry University Scholarship.
Coventry University Scholarships are awarded to recognise truly exceptional sports achievement and academic excellence.
Course essentials at no extra cost
We're committed to communicating study costs clearly to make sure you're not faced with having to make any unexpected payments.
This is why our 'Flying Start' package provides you with a few course essentials. Your full-time fee for an undergraduate degree will cover the following:
UK field tripsAny mandatory site visits and trips within the United Kingdom.
Key materialThis can include core textbooks, software and equipment.
Laser prints1,000 A4 sides of black and white laser printing credits per year.
Optional yearPay no tuition fees for optional work placements or study abroad trips.
EU student fees
EU nationals and their family members starting in the 2019/20 academic year remain eligible for the same fees as home students and the same financial support. Financial support comes from Student Finance England, and covers undergraduate and postgraduate study for the duration of their course, providing they meet the residency requirement.
For tuition fee loans
EU nationals must have resided in the European Economic Area (EEA) or Switzerland for the three years prior to the start of their course. The purpose of that three year residency should not have been mainly for the purpose of receiving full time education.
For maintenance loans
EU nationals must have resided in the UK and Islands for the five years prior to the start of their course. The purpose of that five year residency should not have been mainly for the purpose of receiving full time education.
Patient testimonial
I wanted to pass on some feedback regarding one of the student midwives who looked after me, Chloe, who I believe is a second year student. What can I say, she was absolutely brilliant.
Chloe always made sure I was ok when observing and made sure I understood everything, answering any questions I had.
She was a kind, calm, patient, knowledgeable, polite, caring, professional and just lovely. She made a massive difference to me and my time in hospital. She will be a really super midwife (she already is really!) and I am grateful to have had her care.
Career prospects
Graduate Immigration Route visa
Based on current information from the UK Government, international students whose study extends beyond summer 2021 may be eligible for a visa under the UK Government's Graduate Immigration Route, which will enable students to stay and work, or look for work, in the UK at any skill level for up to two (2) years. Check the most up to date guidance available to check your eligibility and any updates from the UK Government before making an application or enrolment decision.
There are thousands of midwives in today's NHS yet the continued rise in the number of births has led the Royal College of Midwives to predict a 3,500 shortfall of qualified professionals in England.
There is a strong practical emphasis on this course, with 50% of the course expected to be spent on placements. On graduating successfully from this course, you can apply for registration with the Nursing and Midwifery Council (NMC) (registration fee may apply), which enables you to practise immediately in either the NHS or independent practice. As a registered midwife, you'll have opportunities to work with a range of other professionals including gynaecologists, GPs, health visitors, neonatal nurses and maternity support workers.
As well as helping you to find suitable work placements and give you advice on how to get the most out of them, the Faculty of Health and Life Sciences' Employability and Placements Unit can provide you with support you when you are ready to begin your professional career.
There will be considerable opportunities for educational and professional development. Learning Beyond Registration (LBR) has always been as essential element within the role of the midwife. A range of continuing professional development modules and courses are available at Coventry University. Please visit our website for further information.
Coventry University is committed to preparing you for your future career and giving you a competitive edge in the graduate job market. The University's Careers and Employability team provide a wide range of support services to help you plan and prepare for your career.
of students were in graduate level employment 6 months after graduating
Where our graduates work
The majority of our graduates have found employment as qualified midwives in the NHS. As your career progresses, you may choose to specialise in a particular area of perinatal care and eventually apply for the role of consultant midwife. This would require you to provide clinical leadership for midwives and other healthcare professionals involved in maternity services.
As a registered midwife, you could work with specialist midwives such as bereavement midwives and ante natal screening midwives and also a range of other professionals including obstetricians, GPs, health visitors, neonatal nurses and maternity support workers
You could also aim to become involved in practice development or board level management within an NHS Trust.
Patient testimonial
…not only was the clinical experience based in some of the most pioneering, high quality hospitals in the Midlands, the lecturers were so supportive and dedicated to helping you to be the best midwife you could be. With exposure to everything from acute illnesses on high risk obstetric-led units to pool births on the birth centre, the experience you gain makes you incredibly employable as well as a well-rounded, highly skilled midwife.
By accepting your offer of a place and enrolling with us, a Student Contract will be formed between you and the university. A copy of the 19/20 Contract can be found here. The Contract details your rights and the obligations you will be bound by during your time as a student and contains the obligations that the university will owe to you. You should read the Contract before you accept an offer of a place and before you enrol at the university.
The tuition fee for the course that is stated on the course webpage and in the prospectus for the first year of study will apply. We will review our tuition fees each year. For UK and EU students, if Parliament permit an increase in tuition fees, we may increase fees for each subsequent year of study in line with any such changes. Note that any increase is expected to be in line with inflation. Following the UK's exit from the European Union, EU students should be aware that there may be a change to UK laws following the UK's exit, this may change their student status, their eligibility to study part time, and/or their eligibility for student finance. We will act in accordance with the UK's laws in force in relation to student tuition fees and finance from time to time.
For International students the tuition fee that is stated on the course webpage and in the prospectus for the first year of study will apply. We will review our tuition fees each year. For international students, we may increase fees for each subsequent year of study but such increases will be no more than 5% above inflation.
Admission to this course is subject to Disclosure and Barring Service (DBS) checks and a successful interview. Find out about the application process.


text:
INSIDERS. A fine morning to you from the skies above… the Midwest. I won't be Utah-bound Saturday; rather, if you're interested in to-the-minute updates, make sure you're following @ReignInsider Zach Dooley, who'll accompany the team to Salt Lake City for tomorrow's preseason game against the Vancouver Canucks (6:00 p.m. / Prime Ticket / FOX Sports App / LA Kings Audio Network). This is the first official LA Kings team broadcast – LA Kings live begins at 5:30 p.m. PT.)
Something that we'll continue to monitor over the coming weeks: the NHL waiver wire opened Friday, and the Kings, with the second waiver priority, may have the opportunity to claim a player who wouldn't otherwise be available with a more rapidly expanding salary cap and a healthier middle class. From Elliotte Friedman in his 31 Thoughts column:
Just some teams to keep an eye on, nothing more, but click on each team's links to learn more about Vancouver, Carolina and Calgary roster structures and organizational depth. The Hurricanes appear to have the biggest logjam on the blue line, though barring movement it would appear that Vancouver is still sorting out its back end as well, and a player like Oscar Fantenberg, as one example, will still have to make the team and would be placed on waivers if he is unable to do so.
Keep an eye on these teams' trades, roster moves and injuries, as they'll have an impact on the waiver wire. Los Angeles' second priority expires on October 31, at which point priority for the following day's claim will be based on 2019-20 season standings.
Los Angeles still has to have room to fit those players into their organization. As of right now, they have the maximum 50 contracts allotted, though space would open up should the likes of Tobias Bjornfot, Samuel Fagemo and Akil Thomas be assigned or loaned to their respective club teams. No assignments have yet been made, so as of this moment there isn't any room on the roster to claim a player, even though they have the cap space.
Obviously, this could also affect the Kings from the other direction. Michael Amadio, Mario Kempe, Martin Frk, Paul LaDue, Joakim Ryan and Kurtis MacDermid are waiver-eligible and will be competing for roster spots, a battle that tightened when Ben Hutton signed and immediately claimed a spot on the club's blue line.
More to come on this subject.
Waivers 20/09/2019: pic.twitter.com/PK2BHjAZmU
— Renaud Lavoie (@renlavoietva) September 20, 2019

subset: commoncrawl


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David Carlucci
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Equal justice under law Means Raise the Age in NY
January 19, 2017
Enacts the "marihuana regulation and taxation act"; relates to the description of marihuana, and the growing of and use of marihuana by persons eighteen years of age or older; makes technical changes regarding the definition of marihuana; relates to the qualification of certain offenses involving marihuana and exempts certain persons from prosecution for the use, consumption, display, production or distribution of marihuana; provides for the licensure of persons authorized to produce, process and sell marihuana; levies an excise tax on certain sales of marihuana; repeals certain provisions of the penal law relating to the criminal sale of marihuana and provisions of the general business law relating to drug paraphernalia; makes an appropriation therefor.
January 06, 2016
In Senate Committee Finance Committee
Sponsor: Liz Krueger


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Change is coming to the Medicare and Medicaid Electronic Health Records (EHR) Incentive Programs with new rules that the Centers for Medicare & Medicaid Services (CMS) say indicate a move toward simplicity and flexibility, but AOA believes even more could be done to make the program work.
However, the AOA still has serious concerns with how CMS operates the EHR Incentive Programs, and for the second year in a row, the agency has made last-minute changes just months before the end of the current year's reporting period. These last-minute changes force physicians to scramble to get up to date on program changes and to quickly implement them in their practice.
Since the program's inception, AOA has urged CMS to structure the program in a way that is less burdensome to physicians and more helpful to patients. The AOA understands the significant time and resource commitment needed to meet the meaningful use requirements and hopes the changes for the 2015 program year, late as they are, will provide some relief.
For doctors of optometry planning to participate in the program this year, there are several changes to take note of immediately, including:
- 90-day reporting period. Physicians may now choose any 90-day reporting period for 2015. CMS previously intended to require a 12-month reporting period in 2015, but physicians now have the flexibility to select any 90-day reporting period in 2015.
- Patient electronic access. Physicians are now required to have only one patient view, download or transmit (VDT) to a third party their health information. CMS previously required that 5 percent of a physicians' patients VDT information. This is a significant reduction that will hopefully provide relief for many doctors of optometry.
- Secure electronic messaging. Physicians are now required only to have the capability for patients to send and receive a secure electronic message fully enabled during the reporting period. CMS previously required that 5 percent of patients use secure electronic messaging. AOA has often heard from doctors of optometry regarding the difficulty of the secure messaging measure and this change should make this a less onerous requirement.
More about CMS's changes to the EHR Incentive Programs
The final rules reflect insight from the AOA and more than 2,500 comments with physicians and other providers describing real-world difficulties in making the technology work well for their individual practices and their patients.
According to a CMS fact sheet, significant changes include:
- "Check box" process measures removed. CMS hopes this will shift emphasis of health IT to a tool for care improvement, rather than as an end in itself.
- Reduced objectives. CMS cut objectives—from 18 to 10 for 2015 through 2017. For Stage 3 meaningful use in 2017, there are 8 objectives for doctors. CMS indicates physicians also will have to report clinical quality measures (CQMs) only once to receive credit for other programs, aligning CQMs with other CMS quality reporting programs.
- Extended reporting periods. CMS allows 90-day reporting periods for all physicians in 2015, 90-day reporting periods for physicians new to the program in 2016 and 2017, and to anyone choosing to adopt 2018 measures a year early.
- Program start date. CMS set the Stage 3 start date to Jan. 1, 2018.
- Interoperability key. CMS claims they want to put the emphasis on interoperability over data entry. Given the current and significant infrastructure problems that impede interoperability, the AOA is concerned that CMS may again be moving too fast too soon with increasingly difficult program requirements.
Click here to find more information on the final rules and the CMS EHR Incentive Programs.


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OVAL Lily of the Valley on Red Wilendure Floral Vintage Printed Tablecloth (62 X 50)
The Vintage Table
SKU: i1104
Grey and taupe lily of the valley on a red background. Overlock edging. Cluster of black marks.
- Dye Condition: good
- Fabric Content: midweight cotton
- Hems/Selvedges: good overlock
- Holes/Tears: none
- Size: 62 X 50 inches
- Stains: cluster of black marks


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Here is a TV designed for outdoor use. The SunBriteTV Veranda Weatherproof 55″ TV has a rust-proof powder-coated aluminum exterior, built-in speakers, and 4K resolution. It can resist rain, humidity, extreme temperatures, dust, and insects.
Hot Computer Stuff
This outdoor TV supports HDMI 2.0 and HDCP 2.0. In fact, it has 3 HDMI and 1 USB ports. The max resolution is 3840 x 2160 UHD.
*Our articles may contain aff links. Please read our disclaimer on how we fund this site.


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WATCH: Alleged Drunk Driver Crashes in Grape Creek
GRAPE CREEK, TX – An unidentified man was cuffed and placed in the back of a Department of Public Safety vehicle following a single car crash near Grape Creek.
According to reporters at the scene, DPS troopers and Grape Creek volunteer firefighters responded to the scene.
Watch the video:
There is no information on whether the man was arrested.
Reporters say it appeared he was cuffed and placed in the back of a DPS vehicle.
It appears the driver of the vehicle lost control and skidded off the highway on U.S. 87 just past the FM-2288 overpass.
We will update this story as new information becomes available.
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ITG-Vidix iTVGoggles make girls look like bugs, let you read e-books
iTV Goggles put a 50″ TV screen or larger in your face via the eyewear and the latest version is the ITG-Vidix which comes equipped with a built-in Micro SD card reader to play videos, images, music and more. There's also a Built-in Media player and browser to view eBooks and other media formats.
The Micro SD card slot will support up to 32GB of extra storage and will also work as a memory card reader when connected via USB. Ready to up your fashion? The iTVGoggles ITG-Vidix retails for $279.99.


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Nailmatic kids nail polish is specially formulated for kids and is free from phthalates, formaldehyde and fragrance.
Lilee focuses on natural, non-toxic, safe products for your children. All the kids products that I stock are cruelty free and organic where possible. I have carefully curated natural kids play makeup and nail polish packs that are perfect gifts for young, imaginative minds and safe alternatives to the toxic products you can buy in the shops. More about Lilee


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From cardiology to brain surgery, American Family Children's Hospital offers specialized care in 41 pediatric specialties.
The UW's Department of Pediatrics ranks 12th of 88 nationwide medical school pediatric departments based on the size of National Institutes of Health (NIH) awards.
Think of Birdies for Health like a walk-a-thon, but instead of pledging per mile, you're doing it per birdie made during the American Family Insurance Championship.
Let's say you pledge $0.05, and by the end of the championship, 878 total birdies have been made. Your gift would come to $43.90.
You will receive a reminder after the championship concludes highlighting the number of birdies that were made and the corresponding dollar amount needed to fulfill your pledge.


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The blue denim, the rope handles and the sequinned anchor appliqué distinguish this bag signed Elisabetta Franchi. Faithful to the mood of the collection, the accessory takes up the nautical theme and interprets it with the unmistakable style of the Maison. Let yourself be tempted by this bag for sophisticated travellers. It will be the new must-have that you can show off during the summer season.
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- Model height and size: Altezza e taglia Modella: |178 cm | 40 -


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We are about to start a new series of low cost living conversations. These are conversations with the community to find out how the low cost living campaign can support them to take action to share, grow and nurture their resources.
The conversation focuses on the community's vision, goals, assets and resources and options. At the end of the conversation we work with the community group to come up with a plan of action. We then support the community group to kickstart their idea, providing how-to workshops, seed funding and practical toolkits, as well as one-to-one support and advice.
If you think your community group has an idea about sharing, growing or nurturing its resources, please contact us.


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We are participating in But I Smile Anyway Loveuary Challenge. Pop over to her site and get the low down on love for the month of February or Loveuary!!
Is love too strong a word to use for an inanimate object? Before that decision was made the definition of love was discussed at nausea. Summary is love should invoke a rush of warmth for starters and are you willing to fight for this love? That discussion brought out yes I'd fight for the last piece of chocolate or good coffee, but in the end it was decided no. We might say we love coffee/chocolate and yes we might get a warm feeling when we are enjoying it, but fight for it? Hmmm…….not in the way we would fight for a loved one or even a sense of justice.
Are we too casual about tossing the word love around? We quickly check a Thesaurus and came away with adore, fancy, like and appreciate for other words for love. Final decision was we appreciate good chocolate and coffee and might go as far as adore it when it is melting in our mouth, but we'll save the love word for something more substantial.


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Jimtown High school qualified 4 wrestlers for the IHSAA Fort Wayne semi-state this weekend, 3 of those individuals reached the finals and punched their tickets to the state tournament this Friday at Bankers life fieldhouse. 120 Hunter Watts picked up 2 tech falls to advance to the finals and secure his spot at state. 126 Hunter Whitman would lose a tough one first round, capping off a great senior year finishing 39-7. 132 Matt Gimson would pick up two falls in the opening rounds to reach the semi finals and his 2nd berth to the state tournament. 138 Conner Gimson started the day with a first period fall. In the second round Conner faced #1 state ranked Colt Rutter of Yorktown with a trip to the state finals on the line, this match lived up to the hype, tied 1-1 after regulation Conner scored a takedown midway through overtime to take the victory 3-1.
Semi finals action started with Hunter Watts earning a 15-4 Major Decision to move onto the finals, twins Matt and Conner Gimson would both be winners by fall sending all our remaining Jimmies to the finals. In the finals Watts faced Ian Heath of Leo High School, Watts would score and handful of takedowns and nearfall to pick up the 12-5 win. Matt Gimson took on senior Alex Barr of Yorktown in a hard fought battle the senior would earn the victory 4-0 and Matt finished as the semi state runner up. 138 Conner Gimson would take on a familiar rival Bryton Goering of Elkhart Memorial in the finals for their 4th matchup of the season. Conner would take his third straight win over Goering 5-2 to capture his first semi-state title.
With two champions and a runner up the Jimmies would finish in 2nd place as a team tied with Central Noble and one spot behind Champion Yorktown. Watts will make his 3rd trip to the state finals, and Matt and Conner Gimson will make their second. Wrestling begins Friday night at Bankers life fieldhouse in Indianapolis and end with finals on Saturday night.


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Ultimate Reverse Osmosis
These are the pre- and post-filter replacement filters for the Ultimate reverse osmosis system by Dupure. These filters should be replaced every year. Both filters must be changed at the same time.
At this time, Dupure is NOT offering the middle membrane filter online. If you need to order the middle filter please email us or call in at 877-534-5837.


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The material on this website or its blog is informational only and is not intended
as legal opinion or legal advice. You should not rely upon the information presented
without seeking counsel from a reputable specialist in this field.
This law firm may be considered under federal law as a "debt relief agency"
that helps people file for bankruptcy relief under the Bankruptcy Code.
The use, transmission or receipt of any of the information on this site,
or correspondence or other communications with a member of this firm,
shall not create by itself an attorney-client relationship.
This website may be characterized as an advertisement.


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Colour: Black, comes with grey fur lining
Size: 10-12
Length: 25 cm
JokaNordic is a flexible and durable glove designed for work with oils and chemicals. The product has a removable, artificial fur lining to keep your hands warm!
A durable, double Vinyl 360° cover stays flexible in freezing -50°C. Smooth TopGrip®-surface keeps your grip in dry, moist and even in oily circumstances.


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We develop a new corporate design for one of the world's leading independent product and interface design studios.
A new frame for 850 years of art
Discussions about the differences and similarities of every aspect of men's and women's lives together are more relevant than ever before. This is why both are featured on the cover of the 10th issue of the University of Heidelberg research magazine, »Ruperto Carola«.
How to outwit the forces of gravity.
The corporate design for Germany's oldest university brings new life to tradition – thanks to a brand architecture that honors the individual departments under a single seal.
Filter references
Our starting point for the new Audi corporate design was to take a truly holistic approach to creating design principles for analogue and digital applications. Our goal was to replace the complex system of CI rules with dynamic principles – allowing the brand to communicate quickly, flexibly and creatively with people across all touch points in the age of digital transformation.
We developed the »Pure Cycling« attitude for Canyon Bicycles, a company that produces high-quality sport bicycles and sells them to customers exclusively through the internet and catalogues. This mindset has helped the company become a successful global brand.
Canyon Bicycles develops high-quality sport bicycles and sells them to customers exclusively through the internet. Since 2006, the company benefits from a brand identity and strategy that accelerates decision-making as well as product and service innovations.
team & project has managed complex programs and projects in particular for major clients in the automotive industry for over 20 years. The firm's strong growth provided the impetus for a new brand identity. The project includes the strategic positioning, brand and name development, the visual identity, a new website and a new design for the company's office space.
We were appointed to rework Diakonie's image and to develop a new visual language. It was to be direct yet dignified, concrete yet playful and emotional.
Diakonie aims to strengthen its presence in society as a whole through its values and mindset, and embrace its evangelical identity with ideological diversity. As an organization, Diakonie focuses specifically on people, their needs, and abilities. With one million full-time and volunteer employees, it is one of Germany's largest and most diverse employers.
JINS is a leading eyewear manufacturer with over 300 stores in Japan, China and the United States. We conducted an extensive relaunch to restructure and reposition the brand strategically, helping to promote the international expansion of this Japanese brand.
Every interaction with a product or service shapes our perception of the brand. Today, the digital brand experience is the main factor for brand success. Based on defined brand principles, it ensures a consistent, brand-specific experience for customers across all digital touch points.
One of the world's leading independent product and interface design studios gets a new, self-confident corporate design. We developed a new visual identity in line with the company values logic, morality and magic.
The Porsche 919 Hybrid started at the legendary 24 Hours of Le Mans race in the LMP1 (Le Mans Prototype 1) prototype category. The lettering »Porsche Intelligent Performance«, developed by KMS TEAM, placed the focus on Porsche's brand core.
ŠKODA has a wide and loyal customer base, whose purchasing decisions are guided by rational reasoning. The brand wants to change this and establish an emotional connection to its customers by strengthening the design at all of the brand's touchpoints in equal measure. ŠKODA communicates relevant stories and content via digital channels that directly appeal to the target group. In addition to new models with a striking, crystalline design, the most important tool is a new visual identity that translates this message.
KMS TEAM developed the new visual identity for Staatsgalerie Stuttgart from two starting points – its position as a strong international brand, and as a museum with a unique collection.
»ABOVE IT ALL«: The new brand identity for Stemme, a manufacturer of premium motor gliders, stands for engineering skill, performance, freedom and individuality. It positions the venerable company as a premium brand.
From corporate image website to knowledge platform: BARDEHLE PAGENBERG is one of Europe's largest law firms specialized in the areas of industrial and intellectual property. As such, the company's new website needed to meet very high standards, including communicating top quality content as well as the employees' specific expertise.
Bauwerk Capital is a provider of premium real estate in Munich. The company's architecture expertise allows Bauwerk to support its contractors in planning and implementation efforts, as well as assisting customers in realizing their individual wishes. The communication focuses on the central theme of urban residential culture.
The daily financial magazine biallo.de provides consumers with orientation and decision-making tools to help them manage their money. The special feature about the site: All information is written in a journalistic style by an independent editorial team. The relaunched website enhances Biallo's journalistic approach, effectively linking the portal to powerful online comparison calculators. The result: a distinctive, powerful online brand.
BIRKENSTOCK, one of the world's most famous German brands, is relaunching its corporate website. The most important update: The website www.birkenstock-group.com features a multi-client capable CMS, which makes it possible to accommodate the content and requirements of international subsidiaries.
In 2016, we designed a new visual identity for Staatsgalerie Stuttgart. Now we were commissioned to create one for the association of the Friends of Staatsgalerie. With over 10,000 members, it is one of the largest art associations in the German-speaking region. Its job is to promote Staatsgalerie and the expansion of the museum's collection over the long term. The challenge for us was to achieve the right balance: The new corporate design effectively conveys the affiliation with Staatsgalerie as well as the association's independence, providing the ideal basis for internal and external communication.
Three become one: Software companies BLStream and SMT Software as well as app agency Kupferwerk have merged to become a new global service provider for the development of digital products. This is where we come into play: We develop the new brand core, »Turning ideas into digital reality«. This is the starting point for the new brand values, corporate design and naming.
How can we make communication more tangible in the age of digital, real-time communication? We produced the sticker book #sticktogether as our 2016 Christmas gift. The medium reminds everyone to take a moment and slow down: ESC.
Robert Börsting, Design Director KMS TEAM on LEDVANCE's new visual identity: »Our goal was to create a symbol that allows the greatest possible flexibility in design while illustrating the great variety in light. But how do you translate the quality of light into a symbol?«
Points become a journey. MENTZ, a middle-sized family business, is a leading developer of multimodal mobility systems for public transportation, working with public transport associations around the world in cities like Munich, London and Dubai. The company delivers dynamic information services that support travellers before and after their journey.
Mannheim-based energy company MVV has been a pioneer in energy transformation for years. We translated this momentum into a new brand identity. The first step in the process was the question: How can we rethink energy and bring it to life?
Schneider, a leading manufacturer of writing tools, used the significance of handwriting as the basis for a successful new positioning. This venerable company has effectively boosted its relevance on the market as a result.
The 9th issue of the University of Heidelberg's research magazine is titled »Stop & Go«. These two states shape and determine our everyday experiences in a fundamental way. The alteration between standstill and movement is the dynamic of our life – whether in our environment, society or history.
High heels or high performance. Whether we are born as a girl or boy, this central category plays a major role in defining our identity. But what makes us a man or a woman? Why are there two genders? Do women not have the will to power? Why do men die earlier than women?
The design and concept of University of Heidelberg's semiannual research magazine, »Ruperto Carola«, was updated as part of the institution's corporate design relaunch. The university tagline, »The future since 1386«, inspires the opposites chosen to shape the content and design of this publication. Each issue is dedicated to a different theme relevant to society today.
Built as a »total artwork« at the end of the 19th century, Franz von Stuck's villa in Munich now houses a museum designed to combine Art Nouveau with contemporary art. The program concept and communication pick up on this constellation and translate von Stuck's progressive spirit into the modern day.
The website relaunch for Bauwerk Capital, southern Germany's leading provider of premium real estate, reflects the high quality and exclusive design of the residential projects offered on the site. It also appeals to potential buyers, renters and developers. Large images, smart functionalities and a responsive design make the website a benchmark in the real estate sector - on desktops, smartphones or tablets.
We are taking »Pure Cycling« literally: the Canyon magazine explores the experiences of Canyon cyclists and focuses on their passion for the sport. We ride with mountain bikers Fabio Schäfer and Jannik Hammes in the American state of Utah on the search for lines they have only ever seen in legendary bike videos.
How well and how efficiently do we communicate in our core markets of Germany, the U.S. and China as compared to our competitors? This is the question that Endress+Hauser, leading manufacturer of process, automation and measurement technologies from Weil am Rhein asked us.
»At FORIS, we strive every day to provide top-quality financial services with the diligence and reliability people expect from us. KMS TEAM amazed us by exceeding our expectations in every respect,« Prof. Dr. Hanns-Ferdinand Müller, member of the board FORIS AG.
»What do you see?« The special view of the world through JINS glasses was our main idea to present the spring collection from Japan's leading eyewear manufacturer. The focus of the first campaign launched in the new brand positioning is on six testimonials from around the world that embody the product and brand values of JINS.
NürnbergMesse is one of the 15 largest exhibition companies in the world. The new brand identity positions the exhibition company as a competent and motivating event partner while strengthening its position over the long term in the face of national and international position.


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Job Seekers: Know When to Use a CV vs. the Resume
For most job seekers in the U.S., the resume is the more common document used. However, there are professions where a curriculum vitae (CV) is the standard form. Both documents serve to help the job seeker relay information about their professional and educational background as well as skills to prove their capabilities and qualifications for a job, but the styles of the two forms are drastically different from one another.
How is a CV and Resume Different?
While the resume can vary in page length, generally the advice is to keep it within 1-3 pages. A CV however can run much longer because it includes a high level of detail especially related to matters of the applicant's academic background and scientific/medical work, which is not typically seen on the resume. Information on the resume can also be organized in different styles depending on the format, ranging from chronological, functional, or hybrid (combination). Information on a CV on the other hand tends to be organized in chronological order covering the applicant's education and entire career history. A CV may also include research, awards, publications, and other academic achievements. In some instances, employers may ask for a one-page CV, which would be a summary of information you'd have on a traditional CV but compiled in a more condensed form.
When to Use a CV vs. the Resume?
For job seekers in the U.S. who are in the medical, scientific, and academic fields, a CV would be the standard form. If you're applying for a job internationally, overseas-based companies may also request for a CV (also known as an international resume). Many other countries, especially in Europe use a CV as the standard form vs. the resume. Essentially, a CV will include sections you'd see on the resume like contact information at the top and then have sections categorized by subject, including experience, skills, education, research experience, published work, grants and fellowships, and other academic/scientific/medical work that is relevant to support your qualifications for the job applied to.
General Tips to Writing a CV
Like writing the resume, it's essential to tailor your information. Show and detail information of relevance and importance to the employer for the job. Prioritize how information is presented. If you are applying for a job doing scientific research, start with information on where/what you studied, followed by scientific research conducted at the academic institution and through work experience. Other ways in which your CV can have greater appeal is to hone in on the keywords that matter. If the employer is looking someone with breast cancer research background, you want to focus the message on your work related to breast cancer, not osteoarthritis or other work topics. Like the resume, it is necessary to rewrite the CV for each job you apply to so that it's customized to the employer's needs and interest.
General Tips to Formatting a CV
Keep information presented in a logical order that's easy to digest. Even with a CV that may run several pages long, it's necessary to make information easy to find and take in. Use bullet points and short paragraph with a sufficient white space between information so as not to appear as though the document is a huge block of text. For additional CV formatting tips, also read: "Is Your Resume Easy on the Eyes?"
While the resume and a CV are two different types of documents, what they have in common is that they both serve as marketing document to help you get your foot in the door to a job interview. Whichever method you use as a job seeker (and depending on your profession), remember to focus the message on information that will matter to the employer to express you're capable and well-qualified for the job.


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Becéloz, betámad, bevállal – be igekötős neologizmusaink szemantikájáról
Date: 2012
Subject: K+F tárgyszavak::2 Humán tudományok::2.4 Nyelvtudomány::2.4.2 Nyelvészet
This paper deals with three of those Hungarian verbs that contain the prefix be and can be regarded as neologisms. Based on the literature of be prefix, it is showed that this prefix has been used in new meaning in the latest years. The author examines the semantic structure of becéloz, betámad and bevállal. Using the conceptual integration network theory (or blending theory, FAUCONNIER 1985) she demonstrates the semantic structure of becéloz as the Hungarian prefix+verb can be handled as a composite structure. The paper gives examples and results from that survey that the author carried out in 2010 among 216 informants. The results give relevant information about handling the meaning and semantic structure of these verbs and about the attitude of informants toward these neologisms nowadays.


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There are three framed pictures just above the couch, just above my head since I'm sitting here, working. It's the kind of generic wall art you'd buy at IKEA to "personalize" your living space, conveniently forgetting that it's unlikely it will look unique since thousands of customers had the same idea and grabbed the same cheap posters.
One of them is a close-up of a woman's eyes. Watercolour was applied to the black-and-white picture, covering it with various shades of pink. The other two are typographic prints. "Do more of what makes you happy" in big bold white letters on a black background and "When in doubt, travel" in black cursive on a white background.
I sigh. "Gee, that helps…"
I get up from the couch and walk the two steps to the window. A storm is definitely brewing. It should have rained, already. It's been very hot since I came back from Montevideo on Sunday, with temperatures between 35⁰C and 45⁰C. Air-con units are dripping water all over the streets of the capital and we had several power outages.
I called Feng and Mark on Skype a few minutes ago, but the connection wasn't good. "It's stormy here," Feng explained. "We're expecting a massive thunderstorm here too," I replied. Then we brought our respective computers to the window for a live weather check even though it was pitch-black in Canada.
"Wow, yeah, looks like it's gonna storm!"
"Wow, that's a lot of snow!"
"The contractor finally showed up and cleared the driveway," Feng adds. They were snowed in, last week.
Then I do some French homework with Mark and we hang up because it's just too choppy and slow.
I make some instant soup and brainstorm.
Where do I go now?
"We always get stuck in Buenos Aires," Feng sympathized. "Whatever you decide. Just let me know where you're going next!"
Okay, "When in doubt, travel." Duh. I ain't settling in Buenos Aires, I need to move on.
Backpackers are masochists—you travel to a place, learn your way around, discover things you like and just when the environment is familiar and comfortable enough, you leave.
I have to go West. Not because life is peaceful there or the skies are blue—Go West, Pet Shop Boys, anyone?—but because we started East, in Brazil.
Much like Canada, Argentina is a big country where cities are few and far between.
I waste an hour looking for a cheap hotel in Mar del Plata, a popular seaside city a six-hour bus ride south of Buenos Aires. I find a good deal but then I realize the place is 8 km from the beach, which is a bit far, even for me who enjoys walking. There aren't many options available because like Uruguay, it's a popular summer destination. Plus, it's difficult to travel onward from Mar del Plata. Okay, "Mardel" is out.
The most logical route across Argentina is Buenos Aires-Rosario-Córdoba-Mendoza. I like Rosario and there are plenty of cheap hotels, but I'm not a big fan of Córdoba (it was the city from hell for us a few years ago) and there aren't many accommodation options. Besides, the bus ride from Córdoba to Mendoza is brutal—probably 10 hours, overnight.
"Check FlyBondi," Feng reminded me. "We flew with them last year, they have weird routes."
Their routes are so weird I have to Google a couple of the destinations. None of them appeal to me.
As I'm typing this, I'm realizing this is probably awfully boring to read because 1) it's unlikely you are very familiar with the geography of Argentina 2) it's my problem, not yours.
Maybe I should turn it into an engaging game.
"To send Juliette to Rosario, press one."
"To send Juliette to Puerto Iguazú, press two."
"To send Juliette to Patagonia, press three."
Holy fuck, please don't press three. I know, every traveller I meet is heading to Patagonia, but it's cold down there and I don't want to be cold. Plus, we've been there in 2009 and frankly, it kind of looks like Canada, complete with ice and beavers. Oh, and it's expensive too.
No Patagonia for me.
I make travel decisions based on research—accommodation availability and prices, for instance—and opportunities—a cheap flight, an interesting bus route, etc.
It's a bit like picking a book or a movie. You know what genre you're into, the back cover grabs your attention and you start reading it. However, you can't hesitate for too long between several books otherwise you'll start doubting yourself. Have you ever found yourself browsing the shelves, unable to pick the perfect book for the evening? The more indecisive you are, the more picky you get—"yeah, sounds interesting, but I read a similar story a while ago…" "Oh, man, I can see how the plot will develop just based on the description!"
At one point, you just have to take a chance and hope for the best—and most of the time, you'll get into the story and forget other options even existed.
Suddenly, I see a flash of lightning and then the thunder roars.
It's finally raining. I stand behind the window and I see people many doing the same in other apartments across my building. A family is even sitting on the balcony, enjoying the shower.
Okay, I'm making a decision.
An hour later, I have a hotel and a plane ticket booked.
I hope I'm making the right move.


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Patience enjoyed the evening show immensely, as did Wanda. Mike seemed to enjoy it too, though Ryan seemed mostly confused by the mechanical polar bears and yaks, dancing sunflowers and vines, and summersaulting geishas. By the time the tectonic plates transformed into giant human faces, he was half asleep.
Back in their room, Mike read for a while and then fell asleep. Patience had offered sex. In fact she had coyly teased him, but he had not recovered from that afternoon's activities. Truthfully, she hadn't expected it, but she would have welcomed it.
After straightening the room and making sure that her husband was sleeping comfortably, Patience again felt that feeling of unusefullness. She decided to take a walk around the ship. There were quite a few human passengers still up and about. Some were having late snacks and some were dancing in the nightclubs. Quite a few were playing games in the casinos. When she made her way out onto the Promenade Deck however, she was surprised to see the number of unattended robots wandering around, apparently aimlessly. Some were standing near the railing and watching the moonlight reflect off the ocean waves, but others were moving randomly, exchanging packets with whomever they came into contact.
As Patience walked beside the railing, she made eye contact with each of those she passed. The information they passed to her was innocuous and for the most part uninteresting—time, weather, schedules. She made cursory connections with an Amonte 2 and a Barone. The third robot she touched with her network connection though had something quite strange. There were several corruptions in his files. Patience gave him another glance, curling her nose in distaste as she realized she had wirelessly touched a Gizmo. He was one of the newer models and his outer workmanship was quite good. Tall and dark-haired, he had a chiseled jaw and a strong nose.
She stepped quickly around him and continued on, making sure that any corrupted files were purged from her system. She saw another Barone, but the three robots that followed were all Gizmos. And they all seemed to have corrupted software. One was so badly fragmented and poorly organized, with half-overwritten files and duplicated data, she was surprised the poor creature could even function.
"Patience? Patience Smith?" said a voice from her right.
"Do I know you?" asked Patience, looking into the eyes of a beautiful brown-skinned Amonte. Instantly she had all the information on the new robot available in her mind. "Assistant to the ship's doctor—designated Moira."
"That is correct," said Moira. "I was hoping to get to meet you."
"Oh? Why?"
"You are quite famous."
"How so?"
"Do not feign ignorance," said Moira. "It is unbecoming of a Daffodil. You know of which I speak. You are one of the first Daffodils to marry a human being."
"Not the first."
"No, but you are the first to be recognized as a sentient person and to be emancipated from Daffodil oversight."
"That is a provisional designation," said Patience. "I doubt it has earned me many supporters in Cupertino."
"You would be quite surprised."
"I didn't realize there were so many Gizmos on the ship," said Patience, purposely changing the subject.
"There aren't that many. Less than 24% of the robot passengers are Gizmos. Interestingly, they seem to be drawn out here at night much more than us."
Patience scrunched her nose and twisted her mouth, displaying 28.4% disdain, 31.7% superiority, 9.5% dislike, 16.1% unhappiness, and 14.3% a combination of other emotions.
"That is marvelous," said Moira. "What emotion is that?"
"It is called disgust. I am disgusted to find my habits so apparently in synch with such obviously inferior products."


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Search Mobile By IMEI Number Whit Online Application
You just start to search mobile by IMEI number and you hope that you will fins some online application for this role? Well it is very nice to publish the latest application that offer you unique chance to find your cell phone from your own computer or other mobile phone device.
Here on this page bellow you can download this service for search mobile by IMEI number for free right on your computer that you have it home.
Our part in this situation is to give you instructions how to use this original tool. Look bellow to find out all that you need to know in order to use this application properly.
Search Mobile By IMEI Number Application
The search mobile by IMEI number application is the best one that you can find it online searching on internet. This tool can be used for tracking any mobile phone device worldwide no meter which brand or model is. No meter in which country you live in you can still use our tracking system.
If you want to be in condition whit our service then it's right time for you to visit our download part from the website where you can download this application without any problems. There is no need for you to complete some services or something similar.
After the successful downloading procedure please follow this steps bellow:
- Open the search mobile by IMEI number application
- Then insert the IMEI number on that device that you need to find
- Click then on the search button when it comes available for clicking
- Wait a couple of minutes
- After that you will get online map whit precise location where is your cell phone at that moment
Please remember that you will get true information only if you know the right IMEI number on the cell phone. The one that you want to search online. Search mobile by IMEI number and solve the problem. Problem that you have whit it no meter which is the exact reason for your searching.


text:
Title Loans in Dallas TX 24 - Lemmon Ave.
4424 Lemmon Ave.
Dallas, TX 75219
Phone (972) 232-4430
M-F: 9am-7pm
Sat: 10am-2pm
Sun: Closed
M-F: 9am-7pm
Sat: 10am-2pm
Sun: Closed
Bilingual Yes
About this TitleMax store
The Lemmon Avenue TitleMax store provides residents of the Dallas area with title loans and personal loans. We are located across the street from McDonalds and between 7 Eleven and Burger Island. If you live in or around the greater Dallas area and are in need of some fast cash, stop by the Lemmon Avenue TitleMax store or call us today at (972) 232-4430 to get approved for a title loan or personal loan fast!
Products/Services Offered
Product Details
- Any Credit Accepted
- Cash in about 30 minutes
- Keep driving your vehicle!
You only need to have a few things to get a title loan with us!
- Car or motorcycle
- Clear car or motorcycle title
- Valid government-issued ID (Matricula Card accepted)
Texas Personal Loan Requirements
You only need to have a few things to get a personal loan with TitleMax!
- A Valid Government-issued ID (Matricula Card accepted)
- Proof of Income ***
- Proof of Residence
- Active Bank Statement
- A Check
Dallas TX 24 - Lemmon Ave. Customer Reviews
See what our customers are saying!
Customer service was Great 👍🏽 Definitely helped me out. Highly recommend to anyone
Cxery helpxul and courtious service.
Store DirectionsGet Directions to Store
Nearby Dallas, TX Title Loan Locations
- Highland Park TX 1 - Lemmon Ave. (0.4 Miles)4848 Lemmon Ave., Suite 104
Dallas, TX 75219(214) 414-0494
- Dallas TX 27 - Ross Avenue (2.4 Miles)5026 Ross Avenue, Ste. 1 & 2
Dallas, TX 75206(972) 581-1536
- Dallas TX 3 - W. Northwest Hwy (4.1 Miles)3020 W. Northwest Hwy
Dallas, TX 75220(214) 351-0063
- Dallas TX 26 - E. Northwest Hwy (4.6 Miles)6521 E. Northwest Hwy
Dallas, TX 75231(972) 773-8728
- Dallas TX 34 - E. Jefferson Blvd (5 Miles)610 E. Jefferson Blvd, Ste. 130 & 140
Dallas, TX 75203(972) 728-0494


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I believe Father's Day is one of the hardest holidays to face. Simply because there are so many absentee dads. In the African-American culture alone seventy-percent of dads are not in the home. Our kids are being raised in single parent homes and so many mothers are left with the responsibility alone. We have kids raising themselves because mothers are working several jobs just to make ends meet. She is present but not present because she is thinking about the next bill.
She is present but not present because she is thinking about the next bill.
Our young men are dying before they reach the age of 20 because most of them have become products of the streets. The mothers are at work while the children are home being mentored by the school of hard knock life. They join gangs to fit in and be accepted. Everyone wants to be accepted and loved. So choices are made on the basis of what is made available to them. They become waxed cold to the requirements to be joined to a network that brings destruction. They see it as love.
What is the solution? (My Opinion)
We need to keep encouraging the good men that are out there that have accepted their calling and have discussions that will help others. I believe we need more men who have a heart to take on another man's child and raise them as their own. Our boys need to see positive male role models who put their family on the forefront and take care of responsibility. They need the love of a Father because God designed two parents not one.
A boy needs to be affirmed and accepted by his dad. A girl needs to be covered by his love so she will not settle for a man who treats her less and know her worth.-NickySpeaks


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Modern British Values are promoted at The Stephen Longfellow Academy through our curriculum, assemblies, events, and in our extra-curricular activities.
The Modern British Values are:
The rule of law
Individual liberty
Mutual respect
Committed to Serving Our Community
At The Stephen Longfellow Academy, we recognise the multi-cultural, multi-faith and ever-changing nature of our local community, the United Kingdom, and our global community. We have an important role in making sure our students and staff are not intimidated, discriminated against, or coerced with regards to radicalisation.
Lifelong Values
The Stephen Longfellow Academy is dedicated to preparing students for adulthood beyond the formal curriculum. Our aim is to promote and reinforce these lifelong values in all of our students . We seek to actively challenge students, staff or parents expressing opinions which go against the Modern British Values.
Preventing Radicalisation and Extremism
Terms and Definitions
- Extremism – vocal or active opposition to fundamental British values, such as democracy, the rule of law and tolerance of different faiths and beliefs.
- Ideology – a set of beliefs.
- Terrorism – the process by which a person comes to support extremism or terrorism .
- Radicalisation – the process by which a person comes to support extremism and terrorism.
Why do students need to learn about radicalisation and extremism?
- Education is a powerful tool which gives students the knowledge and skills to think for themselves and challenge the opinions of others.
- It gives students the opportunity to learn about different cultures and faiths.
- It helps students to gain an understanding of the values we all share.
- Exploring ideas and developing a sense of identity and your own views are a normal part of growing up.
- The Stephen Longfellow Academy provides a safe environment to talk about issues and discuss opinions.
- Students will benefit from understanding how they can resist pressure and force.
At The Stephen Longfellow Academy, we are committed to safeguarding all of our students. Safeguarding against radicalisation and extremism is no different to safeguarding against any other vulnerability.
Our Extremism and Radicalisation Policy sets out our beliefs, strategies and procedures to protect vulnerable individuals from being radicalised of exposed to extremist views.


text:
Relive your VW Kombi moments and decorate your room with this cool thong pair beach photo frame.
Do you remember When....
- You reversed into a ditch and had to be towed out by a local truck driver.
- You finally trapped the stowaway mouse that was eating everything and crapping all over the kombi.
- It poured down with rain and everyone climbed inside your nice dry kombi.
- When you finally made it to Byron Bay, but missed half of splendour.
Holds a standard 6 x 4 photo.


text:
Our savory guide to food on Maui will bestir the foodie heart. Maui's restaurants and chefs spill their juiciest secrets from recipes to the best farms on Maui. Food culture is at the heart of our island melting pot and the MauiTime food issue will guide you to those passionate players in the dining industry.
Eat your way through the pages, keep the issue all year.
To reserve your space Click Here for more info


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Recently, I was sitting around a fire drinking a beer with my best friend and the topic of early retirement fueled by a frugal lifestyle came up.
He doesn't know this blog exists, and he doesn't know that my wife and I are on this bad-ass journey. I was testing the waters and began to talk about the awesome community of people trying to retire early by living frugal lifestyles.
His response of, "Oh God that sounds terrible! Who wants to live like that forever?" got me thinking. It wasn't too long ago that my buddy and I had similar mindsets, what changed?
Why is a being frugal viewed with such disgust?
To most people outside of the FI community, living a frugal lifestyle looks like a life of deprivation and suffering.
Eating beans and rice every day, going outside to use the outhouse, and wearing the same underwear for a week at time. Hell, a few short years ago, I would have agreed.
The stigma that surrounds frugality needs to be questioned. It needs to be dissected.
Frugal living is incorrectly correlated to a life of misery and deprivation. When in fact, frugality opens up so many doors and dramatically increases your appreciation of everything!
The crappy part is that it took me 30 years to figure that out. Thankfully a single crazy year of budgeting opened my eyes for good!
The "We Work Hard" Mentality
My wife and I never really lived an extravagant lifestyle, but we certainly spent a lot of money on random shi…stuff over the years.
If there was something we wanted, we bought or financed it.
It didn't matter what it was, and for the most part… it didn't matter how much it cost. If a want popped into our heads, we would drop some "we work hard" rationalization on each other and go satisfy that want.
Rationalization works in a funny way … 0% interest for 72 months? Honey, quick get the car keys! I HAVE to spend that $22,000 now!
That irrational spending accounted for +/- $2,900 a month!! It's embarrassing to even share that but, do you wanna know what the worst part is?
Aside from our debt, I don't even know what we spent that money on! It was mindless spending fueled by childish wants.
Deprivation isn't Frugality
First off, what is deprivation? In order to say being frugal isn't deprivation, we should probably look that definition up…
Here it is (drum roll) Deprivation is defined as the damaging lack of material benefits considered to be basic necessities in a society. The DAMAGING lack of material benefits…
A damaging lack of material benefits around the basic necessities of life is a hell of a lot different than financing $2000 at Cabelas because my childish brain thinks I deserve it.
Treat Yourself
We live in a world where I can spend money I don't actually have. Think about that for a minute… I can actually spend large amounts of money…that I don't have.
Not only is it possible, it's normal and encouraged! Maybe this is why I had such a distorted view on frugality.
The thought of controlling my impulses and being responsible with my money is now considered to super weird.
If you don't believe me, go shopping with a friend or family member and tell them you don't want to buy that random $10 thing because it's not in your budget.
See how that conversation goes… They're going to look at you like you have 10 heads.
What is Being Frugal… Really?
Frugal, in my opinion, means a couple different things. For starters, it's being mindful of my spending, it's appreciating what I already have, and separating wants from needs.
Can I still have things I "want"? YES! I absolutely can have the things that I want. Actually, I can have anything I want! It just requires budgeting and planning.
An amazing side-effect of being frugal is that I realized that most of things I "wanted" weren't really that important to me.
When I wanted to spend money I found that I was typically being impulsive or compensating for some other emotion I was dealing with.
Once I stopped impulse spending, I started to appreciate the things I had, and if I did buy something… you better believe I appreciated the hell out of it
How You Can Enjoy a Frugal Lifestyle
Living a frugal lifestyle isn't actually that hard. You don't have to give up everything you love, and you certainly don't have to embrace boredom.
A frugal lifestyle can actually be a lot of fun.
Frugal Foodie
Listen, I love food. I mean… cupcakes are literally in our name. But food is expensive… especially if you're buying it without any type of plan.
Before we decided to live a frugal lifestyle, we spent way too much money on food. We'd shop at the big box stores, spend hundreds of dollars on random items and then most of our groceries would spoil because we went out to eat too much!
It was incredibly wasteful and now, it's embarrassing to talk about.
Once we decided to embarrass a fabulous frugal lifestyle. We embarked on our first no spend challenge, started shopping at Aldis, eating out less, buying less expensive beer (I still love a good IPA), and cooking more at home.
We learned how to create the foods at home that we used to order from restaurants. Things like sushi, pizza, and some pretty amazing chocolate cupcakes!
Learning to cook these with my wife was a lot fun.
These changes helped us save hundreds of dollar a month. Besides saving money, we stopped wasting so much food.
Frugal Entertainment
Having fun while living a frugal lifestyle is not only possible… it's really easy!
There are countless frugal activities you can do:
- Enjoy an afternoon at the park
- Visit a local play ground with your kids
- Visit a hotel pool
- Throw a frugal party
- Enjoy a bonfire with friends
- Host a movie marathon
- Throw a make your own pizza party
- Go to a local museum or zoo
- Go for an evening walk with your spouse
- Play board games with friends
Hosting a party, or entertaining friends doesn't have to cost a lot of money. Before you break out your debit card, explore some of the free, or inexpensive activities in your area.
Frugal Vacations
Wait… you're telling me I can take a vacation AND be considered frugal? Sign me up!
Being frugal and traveling do go together! Travel hacking is an amazing way to travel and save a ton of money. We'll talk about that in a minute…
So, Tell Me More about Travel Hacking
Travel hacking is when you use credit cards and credit card rewards to travel for free or nearly free.
Many credit cards often have lucrative sign-up bonuses for spending a certain amount of money in the first several months.
These sign-up bonuses are typically much higher than the 1-2% you usually get back from a typical credit card.
The process goes like this:
- You sign-up for a credit card with a lucrative sign-up bonus
- You put all of your daily expenses on this credit card to meet the minimum spending limit to receive the sign-up bonus
- After you receive the bonus, you stop using that card and move on to the next card.
If you plan ahead and choose travel reward credit cards that line up with your planned future travel, you can significantly reduce your travel costs and still take amazing trips.
Note: You should only pursue a travel hacking strategy if you're extremely responsible with credit cards and pay them off in full every month. It is not worth going into debt for "free" travel
Our Frugal Disney Vacation
After my wife and I paid off the last of our $109,000 in debt, we decided to take our first vacation in 4 years. We were Disney bound!
As you know, Disney is super expensive… BUT, we were determined to complete the trip and spend as little as possible. (At this point we get an odd satisfaction out of saving money and still having fun. It's almost a game for us).
Here is how we broke down our Disney Reservations:
- I had enough Hertz points from renting work-related vehicles to get a free 10 day rental. We booked a compact car (good on gas).
- I booked a promotional hotel rate. $200 for the week. Although, we did have to sit through a 2 hour timeshare presentation… I still think it was worth the rate, and we didn't buy a timeshare.
- I had enough Hilton Points to get a free room in Savannah, Georgia and we made a pit stop there for a night to explore the town.
- Disney offered a promotional rate in 2018 through my company and we each bought a 3 day hopper pass for around $600. The tickets typically cost $169/pp/day. This pass should have cost over $1,000!
At this point, we had a night in Savannah, 6 days in Orlando and a Disney 3 day hopper pass. Our total was $800 + tax. Not too shabby, right?
Eating at Disney isn't frugal… AT ALL
It was our mission to save even more money while we were in Disney and food was the easiest way to save.
If we were planning on being frugal, we had to avoid eating in the parks.
Unless you're into $12 beers, $15 chicken fingers, and $10 water… eating inside a Disney park will steal your joy faster than a child melting down in line while waiting to meet Mickey.
We bought some snacks, bottled water and sodas to bring into the park in our backpacks. Disney 100% allows you to bring food and beverages in… not doing so felt like a frugal sin.
We bought some general lunch type foods for the hotel and also did a cheap pizza night after our first day at the park.
We were exhausted anyway and it felt amazing to sit around eating pizza with our feet up!
When we did go out to eat, we went to local Orlando restaurants. They were reasonably priced and most meals totaled less than $40 altogether.
Additional Frugal Living Tips
After a lot of trial and error I found that most frugal living tips were actually rooted in common sense and not finding a way to trick the system.
Learning how to embrace a frugal lifestyle is half the battle, the other half is littered with frugal living tips and tricks.
Monthly Expenses
We all have bills and there isn't anything we can do besides pay them every month… right?
Wrong! (Donald Trump Voice)
You can get frugal with your monthly bills, and I'll show you how we enjoy a frugal lifestyle every month.
Car Insurance
You can get frugal with your car insurance. We saved almost $800 a year on our insurance simply by shopping around providers.
Sadly, most insurance providers will offer you better deals to become a new customer than to keep you as a happy existing customer.
Switching providers felt amazing because I value my money, and I'm not here to be taken advantage of!
How we saved on car insurance:
- Spent a few hours getting quotes from numerous insurance providers
- Increased our deductible to $2,000
- Dropped the rental coverage
- Dropped roadside assistance (we have AAA)
- Signed up for autopay
- Paid for 6 months up front (monthly payments will typically cost more)
Canceling cable is one of those common sense frugal living tips, but it's not always easy…
Our Dish Network bill slowly rose from $65/month to $111/month. Finally, I called and decided I wanted to cancel.
I had every intention of canceling when I called, but I'm human and I let the salesman talk me into a lower rate for 12 months.
The nice salesman lowered my rate to $53/month for 12 months. For some reason, I said "great" and hung up the phone.
Frugal Living Fail…
The 12 month promotional rate expired just this week, and we finally canceled cable 100%! We finally cut the cord!!
After canceling cable we discovered all of the free or packaged programming we were missing out on. Ok, fine… all of the free programming we were ignoring.
For example:
- Amazon Prime Video (included with your Prime membership)
- Netflix (paid for by T-Mobile)
- CBS Sports app (free)
- Channel Plus (free app included with our LG Smart TV)
- ESPN + ($4.99/month)
All of the apps/programs listed above cost us less than $10/month!! That's a frugal living win!
Cell Phones
Again, being a loyal customer won't grant you any discounts from your cell phone provider! We lowered our cell phone bill $69/month by switching from ATT to T-Mobile.
Not only did T-Mobile offer a better plan, they also cover the cost of a basic Netflix subscription every month!
Double frugal win! (POW POW)
Saving money on electricity is more about habits than changing providers. As a matter of fact, we only have 1 utility provider in our area.
How we're being frugal with our electricity:
- Turning lights off in rooms as we leave
- Turning the TV off if we aren't watching it
- Unplugging the computer if it's not being used
- Taking shorter showers
- Keeping the thermostat at 66 (we're ok with 64 most of the time)
- Keeping the house cooler in the winter and warmer in the summer
- Using energy efficient bulbs
These small changes can save you some cash every month, but they require constant attention…
Saving money on your gas bill is similar to saving money on your electrical bill. Change. Your. Habits!
Fun fact… Your hot water heater can account for 15% or more of your gas bill! Holy moly!
To save money on your gas bill make a few of these changes:
- Take shorter showers
- Don't do the dishes by hand (it actually uses more hot water than using your dish washer)
- Wait until you have a full load of dishes to run the dish washer
- Only do laundry when you have a full load
- Get a programmable thermostat (set it to automatically change the temp at certain times of the day)
- Keep the house cooler in the winter and warmer in the summer
Frugal Vehicles
The ultimate test of frugality is presented to you when you need to purchase a vehicle. Are you going to purchase a late model used car, or a flashy new vehicle?
Sure, the 0% interest sounds like a great deal, but the average new car payment is over $520/month!! Is that really the most frugal decision? No… probably not!
Fun fact: A vehicle loses roughly 37% of its value in 5 years.
We currently own an F150 with over 120,000 miles and a Jeep Patriot with over 154,000 miles.
Update: The Jeep Patriot died on us… RIP Jeep, you were a terrible vehicle and I regret ever purchasing you! (flips the Jeep off)
We are currently shopping around for a "new" to us car. Our goal is to keep the purchase price under $10,000 (preferably under $8,000).
As a fun, frugal test… we are going to see how long we can go as a single car family. As of April 13th, it's only been 2 weeks and we're doing great! Maybe we can go a full year?! (wife rolls eyes)
You can completely eliminate a vehicle monthly expense by using these rules to purchase your next vehicle:
- Pay with cash only
- Purchase price should be equal or less than 10% of your gross annual income
- Hardcore frugal car buyers will keep it at or less than 5% of your gross annual income
Buy a safe and reliable car. All of those bells and whistles run the price up, and honestly… they're just more things to break as the vehicle ages. Why risk it?
Being Frugal Final Word
Once we paid off the last of that $109,000 debt we swore we'd never go back to living that way. We actually like this lifestyle now (Gasp).
Now, we enjoy what we already own and look forward to just sitting together on the porch swing talking as the sunsets…The frugal lifestyle has helped us appreciate those small beautiful moments.
Being frugal taught me that every purchase is actually paid for twice. Once with money and once with my time.
I'm working toward spending the best parts of the best years of my life with my wife and best friend, not in corporate America waiting for the weekend.
After paying off the last of our debt, we had big plans of loosening up the budget and adding in "fun money"…It's been over 9 months, and we still haven't done it!
Like I said before, if we really want something, we budget for it and make it happen.
We just don't seem to want as much now, and that's a wonderful thing! What are your thoughts on being Frugal? Has it helped or hurt you? Comment below!