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When I ask most people if they have any regrets from college, they gaze off into the distance, smile, and shake their heads no. But for me, I look back and there is so much I would change. I made a lot of mistakes in college, and unfortunately most were money mistakes. Here are five of them that you can avoid.
Private loans – I didn't do any research. I didn't look into interest rates or calculate how much time it would take me to pay back these loans. I was out of scholarship and grant money and I needed a quick-fix solution to pay my tuition. Everybody had student loans right? How nasty could private loans really be? Turns out they can be pretty nasty. If you have to take out a loan, try to get a government subsidized one before taking the private loan route.
Credit cards – It's a great idea to have a backup credit card in case you get stuck in an emergency situation. But you need to be strict with your use of it. When I first got my credit card, I was good with it and then I lost control and let the material world get the best of me. I closed my accounts long ago but am still paying for the clothes and other unnecessary purchases I made 10 years ago.
Not commuting – I had the option to commute, but living near campus with my friends, frankly, was much more fun. It is possible to live at home and still have a great college experience – especially when you have friends on campus. Half our friends crashed with us multiple days of the week for free when they commuted. Rather than borrowing only what I needed for tuition and sucking it up at my parents for as long as possible, I took out loans for more than what I needed for my tuition so I could use it for books, rent, and living expenses. I'm still paying for that rent and food.
Not working – I did work in college – a few different reception jobs here and there –but I wasn't working all of the time. And I wasn't being wise with the money I was making. I used my class schedule as an excuse to work less and party more. What I should have done: work, work, work, and save, save, save. It would have saved me a lot of money.
Avoiding my debt – This is by far my biggest life mistake so far. I was young and naïve, and I had no idea how much money I was borrowing. I just took what I needed and thought I'd have it all figured out when college was over. But when college was over, I was lost and drowning in a sea of debt. Instead of taking charge, I avoided my debt until the loan companies started calling me and my parents. I was spending more than I was making, and that is something no one should ever do.
Five years later, I am embarrassed of my debt. I feel like I inherited it from someone I barely know, and now I am really paying for it today – not just literally. I easily could have avoided all of these mistakes if I would have taken the time to research and talk to someone like my parents or a counselor before just diving into the debt pool. Take it from someone who has walked in expensive shoes. Debt as a whole is difficult to avoid altogether, but if you can minimize what debt you take on, your future self would thank you.
Photo by Sean MacEntee via cc.
Studies about the Millennial Generation bring up a number of generalizations. They expect praise. They're attached to their smart phones. They have college degrees, but they also have student loans, no meaningful job, and no major life purchases to speak of.
I'm 28 years old, and yes, I have an iPhone and parents who rewarded good grades with checks. But I'm also a college graduate with no student loans and a good job. I own a home and a car, I have a 401(k), and I'm getting married this year.
There's just one caveat to breaking the Millennial mold: I'm nearly $100,000 in debt.
36% of Millennials still live with their parents, according to an 2013 Zillow article.
"Millennials have seen their parents struggle firsthand," the article reported. "As a result, they're nervous they could find themselves in a similar position."
I see the attitude among my friends: Amy is a microbiologist. Jeff is an editor. Kristen has two degrees. They all live at home. They are weary of debt. They don't want to rent. They don't want to be tied to a house. They're scared of the commitment.
And there's something to be said for that because saving money is flexible. They go out to dinner and on weekend trips. They splurge without hesitation. If something breaks in the house, at least it's not their house to fix.
For twentysomething homeowners, every purchase is scrutinized, and saving is tough. Appliances die, utility costs spike, the todo list is long.
So is it worth it?
Every person's life presents different opportunities, regardless of the common economics or job markets. So my motto is simple: Plan ahead, and don't let good opportunities pass you by.
I have a $70,000 mortgage to pay off. But, by watching the market and working with a good realtor, I also bought my house at nearly half what it sold for a decade ago.
So now I have this house to pay for. Ouch. Could I use extra money in my paycheck? Absolutely. But by starting to save for retirement now and taking advantage of an employer match, I'll have a comfortable retirement.
Oh, and remember that mortgage? It will be paid off before I hit 60. My elderly years are going to be awesome.
You can live comfortably with debt if you know how to manage it.
- See a home for the investment - not the mortgage payment.
- Know exactly where your money goes, even if it's always to bills. For my fellow smartphoneloving Millennials, I recommend the money management app Mint.
- Save tax returns and bonus checks for rainy days.
- Hunt for deals and haggle for discounts.
- Practice the art of saying "no" to yourself and to others.
Repeat after me: Not all debt is bad debt. And besides, Mom's meatloaf isn't good enough to warrant waking up at age 30 in your childhood bedroom.
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You're ready to launch into college, springboard into a career and vault into a happy, successful life. There's just one obstacle standing in your way: money. Yes, you've come to terms with the fact that you need a student loan. You may be a little anxious about it, or you may be downright petrified. But with a little planning and know-how, you don't have to fear the student loan. Here's what you can do to prep for your loan and take the anxiety out of the process.
Prepare your budget.
Your adult life will include many components (and costs). Take a sheet of paper and list them all out. What's the average starting salary for your career choice? What car will you be driving? Where do you plan to live? What about other expenses (groceries, shoe-shopping, utilities, etc.)? Average those in also. Now, consider your proposed starting salary minus your costs. Whatever is left over is the amount you can realistically afford to pay monthly for your student loan.
Figure out your interest rate (with a little help).
Terrifying and confusing, nothing quite intimidates like interest. Fortunately, there's a wealth of tools at your disposal, both online and in person, to demystify it. Here's where you can go for help in translating your interest rate into dollars and "sense":
- Financial aid websites: You'll find a host of sources online to help you unravel the mystery of your loan interest. Government-hosted websites, such as direct.ed.gov, offer reference material for a wide variety of student loans and the variance in interest rates you can expect for each.
- Loan interest calculators: Determining your payments for the duration of the loan is a must. At direct.ed.gov, you'll find online loan calculators to help you determine your payments for a wide variety of student loans and repayment plans. Simply plug in your loan amount, your interest rate and a few other relevant figures, and the calculator will determine what you can expect to pay throughout the life of your loan.
- Talk to a professional: There are plenty of flesh-and-blood resources to turn to for help with deciphering your student loan interest rate. Talk to your lender at length. He's there to answer questions and clarify your loan's fine print. Your school financial counselor is another excellent source of loan interest information.
Plan for the end.
You've plugged all the details into your loan calculator. You know how much you'll pay monthly and how many years it will take to pay off the loan. You need to plan for each year. Budget ahead for the expense of a new car and all the other growing pains of life. Student loans require a long-term plan, from beginning to end, in order to safeguard your financial future and avoid long-term debt.
A student loan doesn't have to lead to nasty surprises down the road or a lifetime of debt. Take the time to budget properly, explore your options and plan ahead, and your student loan will be a stress-free stepping stone toward a bright and successful future.
Photo by Simon Cunningham via cc. Image was cropped.
Graduating from college is exhilarating. You're entering the real world, about to make it on your own. But if you're like most grads, the weight of your student loans quickly sets in, and facing this reality can be rather intimidating.
The latest statistics from the Consumer Financial Protection Bureau show that the nation's student loan debt has hit $1 trillion. Sobering numbers like this are making many wonder if the cost of a higher education is really worth it. Although I hold what seems like an endless mound of my own student loan debt, I argue that it very much is.
Yes, it can be highly stressful staring that much debt in the face fresh out of college. 2013 college graduates faced an average of $35,200 in education-related debt, but what's even scarier than facing debt is facing unemployment. Statistics show that the unemployment rate for college graduates is 50 percent lower than it is for people without advanced degrees.
That's not to say that it's necessarily easy for recent grads to find work in their particular field. Experts advise that prospective students carefully examine their chosen field of study and research the job market. Studies that show which fields have the highest likelihood of landing you a job can help you choose your ideal major. For example, the Georgetown University Center on Education and Workforce completed a study showing that elementary school teachers face a much lower unemployment rate than those who graduated with a degree in architecture. Their study provides data on a variety of job fields and their associated unemployment rates and argues that not all college degrees are created equal.
And then there is the issue of salary. We complete these higher degrees in hopes of earning a higher income than we could have without them. According to a study by the Georgetown Public Policy Institute, people who hold a bachelor's degree do indeed earn 45 percent more than those with an associate's degree. And those with master's degrees earn an additional 37 percent more than bachelor's degree holders and hold higher quality jobs, as well.
Higher earnings immediately out of college are a plus, and when you consider how much more you earn over the course of your lifetime, it makes your degree even more valuable. In a report put out by the College Board, they show the need to examine the benefits over the longer term. Over the course of a 40-year career of full-time work, the median earnings of those holding a bachelor's degree are 65 percent higher than those of high-school graduates. Associate-degree holders make 27 percent more, according to the report. Despite the debt, degree holders are likely to come out way ahead in the end.
So while starting your career off in debt may not be the most appealing thought, launching a career that is likely to bring you higher profits for a lifetime sounds pretty good. Be wise about your choices of loans, programs and schools to keep your debt at a manageable level, and when your schooling is complete, make a strong plan for repayment. While student loans can be beneficial by helping you increase your earning potential, they are still debt. Pay them down quickly and begin truly enjoying the higher salary that an education can provide.
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When deciding between renting or owning, one thing to consider is the amenities offered by your apartment complex. While they may seem like a nice bonus, they could actually save you hundreds and even thousands per year. Here's how:
Fitness center
Many apartment complexes offer a fitness center. This can range from a simple treadmill and a few weights all the way to including a yoga studio with a full professional quality gym. In my apartment search, I've found that this is one of the most common amenities. I've lived in an apartment community that offered a 24-hour access to the gym. Besides the cost on enrollment fees and gas actually driving to the gym, I was able to save on a pricey gym membership. My husband and I saved $30 a month in two gym memberships.
Coffee bar
In some club houses, you'll find free coffee and water. Whether it is a standard coffee pot or a high-quality espresso machine with all the fixings, this could add up to huge savings. If my husband and I grabbed a coffee from this machine instead of heading to Starbuck's every day, those savings would add up. It would even save us the cost of buying filters, coffee to brew at home, and even a coffee pot.
A pool is a great form of both exercise and entertainment. You can save hundreds on a membership to a community pool or maintaining a pool yourself.
Business center
This not only provides free internet access, but depending on your computer use, it can save you that cost as well. The cost of upgrading your current computer, paying for anti-virus software, buying a printer, paper, and ink can all be saved with the use of a business center. The business center at my last apartment complex also offered a separate quiet conference --like area that was perfect for those of us who work from home or even those studying for an exam.
Party room
I can admit that I didn't think much of the fact that my apartment complex came with an opportunity to use the party room. However, when it came to hosting a holiday party, it saved a few hundred dollars on renting a hall or eating in a restaurant. If you have access to it without having to rent it, it may persuade you to rent a unit with less square footage and therefore costing you less since you can entertain in that room instead of your own unit.
Discounts at local businesses
Just by being a resident of my apartment community, I get discounts at local businesses. Restaurants, bars, retail stores, salons, a movie theatre, and even medical offices all offer a discount. I've gotten everything from 10 percent off a meal, and a few dollars off movie admissions, to buy-one-get-one eye wear. Of course the amount it will save you depends on how much you like to do these things.
Playground, access to trails, and other outdoor activities
A playground is a perfect, free way to entertain kids for hours whether they are yours or a guest's. Tennis courts, basketball courts, places to play volleyball, and so on are just a few of the outdoor recreation activities I've seen. Access to trails for running or hiking are a great way to have free entertainment as well.
Bike storage
Storing a bike in winter months could quickly add up. Having storage on-site is a money saver.
Guest suite
Some apartment communities are now offering a fully furnished apartment for you to use when you have a guest over. This could save you hundreds per month if you were contemplating getting an extra bedroom for when your family or friends come to visit for a night.
Video library
Access to a video library could eliminate the cost of a Netflix membership, the cost of renting movies, and could even persuade you to bump down your cable package or eliminate it all together.
I love how my apartment complex offers free events every month for residents. We've had everything from complimentary breakfasts, free wine and cheese tastings, appetizers at restaurants, and pool parties with catering. It's a great way to mingle with fellow residents and best of all--it's free entertainment and food.
Photo by Gregg O'Connell via cc. Image was cropped.
When I was young, I often accompanied my father to work on air conditioning units. He specialized in all things HVAC (heating, ventilation, and air conditioning). Sometimes I found that the customers wouldn't pay him. Once I asked why, and he explained that they simply repaid him with goods or services of their own. Never once has anyone in my family paid for a car repair because of deals like this that he has in place. Growing up I enjoyed the spoils of bartering in ways you couldn't imagine. We got baked goods as we pleased, and I ate like a king. When I left home to face the outside world, I took these lessons of bartering with me.
Figure out what you got.
Before you begin, you should understand what skill you have to barter. One of the most marketable skills in a barter economy is mechanical skills. Think about whatever capabilities you have and make a list. Make sure people need it. The skills I usually try to barter include content writing for websites, article and essay editing, English language tutoring, Mandarin to English translation, and HVAC work that I do with my father (I'm not yet skilled enough to do it myself). Once you know what you have to offer, you can use these skills to pay for things when you need them.
Know your worth.
Place a dollar value on what you're bartering. Research the value of a good or service you plan to exchange. It's important to take into account your experience and knowledge. I do translation for an auto parts company where my friend works. Once I needed new tires for my car. When the factory sent me a new document from China to translate, I calculated the value of my work and deemed it to be roughly the value of three new tires. When I asked for a full set of four tires instead of a check, the manager agreed. It probably saved us both money.
Understand that what you can barter is endless.
Cash may still run the economy, but anything can be bartered. And it's coming back in a big way because it can be mutually beneficial at times when people and businesses are financially strapped. I know two friends that live together. One works at an airline and the other at a finance company. The one that works at an airline uses buddy passes to pay for part of his rent. It's a win-win for both. My father recently fixed the heating unit in a restaurant. The boss paid him in gift certificates to the restaurant that roughly tripled the dollar amount he should have received. Even things that don't cost much can be bartered. Be creative and think outside the box. Who knows? Maybe you'll be trading dog grooms for oil changes. The possibilities are endless.
Look everywhere.
Friends, neighbors, classmates, family, and strangers are all possible partners. I personally like to keep my exchanges to friends and family but have used online marketplaces to trade various goods and services. One of my favorite swaps to do online is language exchange. That's one of the ways I learned Chinese and is currently how I am learning Vietnamese. Think about what you need and where you can find it. If you can find it within your local social network, go with that. If you can't, the wild and large world of the internet awaits. Dive in!
A word about online bartering.
Currently, several legitimate bartering places exist online. Obviously Craigslist is one of these, but one I really like is U-Exchange, a site where you can exchange services with other local people. BarterQuest.com and Swap.com are two I enjoy using if I need a particular good and want to pay with something I don't need anymore. Recently, I was able to get Microsoft Office Software in exchange for an old marketing textbook on Barter Quest. A good way to know you have a solid deal on these sites is to look at pictures of the products being offered and talk with the person offering them first. See what other people on the site are saying about that member and spend some time looking at that person's profile. Also, ask questions to verify that a particular person can actually offer the goods or services being promoted. If possible, sign a bartering contract as well.
Photo by Irina Slutsky via cc. Image was cropped.
A payday loan is marketed as an advance on your paycheck -- it's a short-term loan (around two weeks) that typically ranges from $50 to $500, plus a fee.
I know what you're thinking…that doesn't seem so bad. So, what's to fear? I worked for a payday lender right after I graduated college. Sure, many people were able to get a loan, pay it off right away, and be on their way. Unfortunately, I witnessed many others who experienced the negative effects of payday loans.
- They Have Incredibly High Rates
If you're anything like me, the phrase "interest rate" doesn't really sink in until you see how much you're paying. So let's say you take out a payday loan for $100, with a $15 fee. It may seem like a small amount, but that is roughly equivalent to an Annual Percentage Rate of 391%! According to a 2012 Pew Charitable Trust survey, Payday Lending in America, the average payday loan borrower spends $520 a year on interest.
- It Can Be a Vicious Cycle
I rarely saw new faces when I worked for a payday lender. Payday loans are marketed for short-term use only, but an estimated 69% of borrowers use them for recurring bills, like utilities or rent.
Payday lenders make money by getting you to come back. As an employee, I was trained to actively encourage "rollovers," where you pay back your loan and immediately get another one. In fact, the average payday borrower has a loan out for five months out of the year -- so much for a quick fix!
- Lenders Have Access to Your Accounts
By taking out a payday loan, you give out your checking account information and the permission for the lender to take out the loan and fee amount. I can't stress enough how important it is that you truly can pay it back right away.
Payday lenders will deposit your check every payday in an attempt to hurry and get the funds. So imagine already dealing with the stress of money issues, only to wake up and check your account to find the payday lender beat you to your paycheck that was direct deposited.
- They Can Negatively Affect Your Credit
In my experience, payday employees are trained to aggressively attempt to collect. In fact, I have witnessed employees stopping by past due borrowers' homes or places of employment in an attempt to make contact. And they are often quick to charge off the debt and report you to credit agencies rather than working with you at all.
Payday loans don't solve your financial problems. Act in good faith and reach out to your creditors at the first sign of financial difficulty. Once you're on your feet, set aside small sums of money (like the amount of payday loan fee) into savings so you'll have a buffer. If you absolutely need a loan, a not-for-profit credit union is generally your best bet.
Photo by Taber Andrew Bain via cc. Image was cropped.
When I first left my parents' home roughly six years ago, I truly became aware of the cost of groceries. Possibly because I am tighter than a coat of paint when it comes to certain things, but a few pricey grocery shopping experiences shortly after moving out made me change my food buying ways. After all, I had to make rent. And I had to pay for college.
Rice is a Good Friend to Have
A little rice goes a long way. Or at least that's what I say. Even at $15 to $25 for a huge fourteen pound bag, rice is a substantially cheap way to feed yourself. Through cooking research and by diving into various cuisines, egg fried rice, meats and veggies over rice, and Mexican burritos are now a big component of my home meals. When I'm on the go, hot sauce and rice makes a fine snack to hold me over. Rice gets you full while giving you nutrition. I never used to eat it. Now I see it as an economical option that is both healthy and tasty.
Stay Away from Convenience Stores
Why? Because they aren't so convenient on your wallet. After moving out of my parents' home, I was hungry for cereal my second night in my new apartment, so I drove to a local convenience store to pick up milk and some kind of cereal. "That will be $9.19," the cashier told me. Those words hit me like bird poop splattering on your car windshield. That was more than I made in an hour.
Keep It Fresh and Do the Cooking Yourself
I used to make the mistake of using coupons to purchase things like pre-packaged green beans. Don't do this. I later found that loose and fresh green beans are cheaper by well over one dollar a pound. Coupons are rarely for fresh fruits and vegetables, which are less money than frozen packaged items. Even those quick microvable meals are not as cheap as making something similar yourself. Cut up your own veggies and cook your meals rather than purchasing premade stuff. It will save your body and your wallet.
Only Buy What You Absolutely Need in Bulk
I remember buying about six loaves of bread at the great price of 88 cents a loaf. Never will I do that again. I simply let the façade of big savings get in the way of my actual bread eating capabilities. By the time I ate halfway through that batch, which took about two weeks, the bread had developed a mold and stench bad enough to drive the mice out of my house. I ended up wasting three of the loaves. While the benefit of driving mice away with moldy bread may tempt, it's probably best to only get items you absolutely need in bulk. I tend to keep it to rice, meats--because you can freeze those--and vegetable oil.
Mission Shop
Your shopping mentality can save you money. I abide to my list as if I would get a hand chopped off for disobeying it. And you should too. Don't get sidetracked by seductive bags of chips you didn't even come to the store to get. Get in. Get what you came to get. And get out.
Photo by Matt McGillivray via cc. Image was cropped.
Track spending to the dime, browse your investment portfolio and save for that trip to Europe, all while standing in line at the post office. Hundreds of finance apps on the market today turn your smartphone into a powerful financial tool, ideal for seizing control of your bottom line. Here's a sampling of some apps you'll love.
- The all around app. Intuit's Mint Personal Finance (free on Android, iOS) is a full-featured, powerhouse of an app. The app uses 128-bit encryption to link bank accounts and investment portfolios, making tracking, spending, saving and budgeting seamless, fast and safe.
- The app for saving. According to SavedPlus (free on Android, iOS) stats, customers who use their app save an average of $350 per month. The idea is simple: SavedPlus siphons off a small percentage of every purchase, depositing it into a savings or retirement account. Users can set individual savings goals and watch those dollars add up every time they swipe their card.
- The visual app. Budgeting is not usually entertaining; but Toshl Finance (free on Android, iOS) does its best to make it so. The software offers fun spending visualizations, helpful reminders and powerful budgeting tools.
- The family friendly app. For families that operate on a single budget, HomeBudget ($5.99 on Android, $4.99 on iOS) is a great option. The app has a robust budgeting tool with category customization and expense tracking. And best of all, it allows multiple family members to input data from different devices in real time.
- The app for the business traveler. For anyone facing the prospect of a post-travel expense report, Expensify (free on Andriod, iOS) is a must-have. The app effortlessly tracks receipts, and time and mileage while outputting. As the app's creators put it --Expensify creates "expense reports that don't suck."
- The cash flow meter. Level Money (free on iOS) automatically connects to users' bank accounts to track expenses and income. Users get an up-to-date picture of what they can spend on any given day, week, or month based on their savings goals.
- The financial prognosticator. Any app can tell users what they have in their accounts right now. DollarBird ($1.99 on iOS) goes that extra step and uses spending history to predict what users will have in their account tomorrow, next week and next month.
- The interface app. CoinKeeper ($5.99 on iOS, free on Android) boasts the fastest transaction interface on the market. An innovative drag-and-drop system helps users track spending and monitor their budgets without cumbersome inputting.
- The full-featured. MoneyWiz ($4.99 for iOS) is definitely among the most robust finance tools out there with 300-plus features and syncing across all (Apple) platforms. The desktop version will set you back another $24.99. But for those that need something more powerful, this is a great option. Android and Windows versions are coming soon.
- The app for bill paying. Late bills wreak havoc on a credit score. Don't miss a payment ever again with Manilla (free on Android, iOS). The app consolidates household expenses, stores bills and statements, and offers custom alerts to keep users on top of their spending.
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Lives of the Sahaabiyaat (the Female Companions) - with Umm Hunayfh (Lesson #5)
in Islam
Come learn about the lives of the Sahaabiyaat (the Female Companions - may Allah be pleased with all of them) of Allah's beloved - Prophet Muhammad, may Allah bless him and grant him peace!
This class is designed to zoom in on the lives of the best people to ever step foot on the face of the earth (excluding, of course, the Prophets and Messengers).
The information and knowledge imparted in this class is often overlooked, but nonetheless essential for any real understanding of Islam. After this class, it will be obvious why Allah chose these blessed and unique human beings to accompany his beloved - may Allah bless him and grant him peace.
This class is taught by Umm Hunayf. Umm Hunayf is a devoted member and one of the teachers at Masjid Uthman Dan Fodiyo and Nur uz-Zamaan Institute.
How Do You Pray? Inspirational Responses from Lovers of Humanity
in Spirituality
How we pray is as diverse as each being on our planet. What do we say? Do we even need to speak? What of our thoughts?
How do you express your prayer? Do you know when you pray?
Prayer is not necessarily done at a specific time or in a special place.
How you pray is unique to YOU. Are you even aware of when and how you pray? We pray more than we realize. How do YOU pray?
Healers, Activists & Other Lovers of
Humanity (Monkfish Book Publishing, July 2014) was born from a
vision in which Celeste Yacoboni was guided to ask the world, "How
do you pray?" She reached out to family and friends, then to leading
figures from all walks of life and schools of thought. Culled from
those responses is an original and deeply personal collection of
prayers, essays, and offerings that encourages readers to contemplate
the intention of prayer in their own life.
Composed essentially of prayers and short biographies of its 129
contributors (leaders of diverse spiritual and religious traditions
ranging from Buddhism to Islam to Christianity, as well as those who
do not claim any particular walk of faith), How Do You Pray? is an
interspiritual prayer book and resource guide to an emerging global
spirituality, which embraces our religious and spiritual diversity.
Contributors include Brother David Steindl-Rast, Matthew Fox,
Gregg Braden, Dan Millman, Huston Smith, Byron Katie, Marianne
Williamson, Margaret Starbird, Lama Surya Das, Andrew Harvey,
Terry Tempest Williams, Alex Grey, Masaru Emoto, Arvol Looking
Horse, Patch Adams, Roshi Joan Halifax, Rabbi Zalman Schacter-
Shalomi, Rabbi Rami Shapiro, Llewellyn Vaughan-Lee, James O'Dea,
Hank Wesselman, Fr. Bede Griffiths, and many other luminous
voices of spirit.
Author Interviews - New Books - Talk Radio
in Books
EOTM Radio interviews with top authors, news and commentary on popular best sellers.
Eriq La Salle, best known for his role on the award winning NBC medical drama "ER," will be a featured author, presenting his debut novel "Laws of Depravity". Since his days on "ER" La Salle has gone actor turned director/producer and now book author; releasing a murder mystery. With this book Eriq thrills audiences with a dynamic storyline filled with the murders of priests, gruesome crime scenes, brutal killings, NYPD Detectives, the FBI, betrayal, and lies – all the necessary ingredients to create an edgy, gritty, suspenseful, paging turning thriller.
Stream live and listen to interviews with some of your favorite authors. Click here to browse our best seller lists, book reviews & news for authors, fiction & non-fiction, literature, biographies, memoirs, children's books, science fiction & self-help.
Have a book we should review? Tweet us @eotmpr - hashtag #Goodreads
Conversations with Nic Askew : Filmmaker
in Spirituality
Come join us as we welcome reknowned Filmmaker Nic Askew. We will be discussing his Vision, his Humanity, his Film Projects, his Life and his Music.
SOMEWHERE IN THOSE DEPTHS ~ the causes of much of what happens in our lives lie far deeper than we imagine. Yet we seldom look far enough beneath the surface. The films, words, observations and unprotected conversations of Nic Askew consider the many elements of our lives, work and society at an unusual depth. And in doing so, opens our eyes wide to what people and organizations might become. To what we might become.
HUMAN SOUL BETWEEN THE FRAMES ~ Nic is a former Managing Director who took a u-turn to become a film maker and poet. He has spent the last decade exploring the capturing of the human soul on film. His Soul Biographies series is followed faithfully by many around the world. His insight on what it is that happens between the lens, the subject & the viewer has profound implications for all.
TWO FILM SERIES ~ Soul Biographies, a timeless exploration of the deep human challenges we have and probably always will face. The Soul of Business, an exploration of the conscious future of business.
- See more at: http://soulbiographies.com/about/#sthash.MkFva7He.dpuf
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To become a Fan and familiarize your self with Nic's significant Film Projects and Visons shared pertaining Humanity, visit . . . http://soulbiographies.com
or on FaceBook
Make Friends . . .
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this is one of my personal all time favorite films of Nics
The Gentlemen of Horror 2014 - Horror Anthology
in Books
The Ladies and Gentlemen of Horror is a unique anthology that focuses as much on the writer as on the stories they tell. With around ten thousand words of pure horror from each amazingly talented Lady and Gentleman, as well as in depth biographies and beautiful photos, this anthology is something you do not want to miss. The anthology comes out annually on Halloween in three print editions: The Ladies of Horror, The Gentlemen of Horror, and a combined version, The Ladies and Gentlemen of Horror. Each version also has an ebook edition. All proceeds from the Ladies and Gentlemen of Horror Anthology are donated to the American Cancer Society.
Visit their website at: http://lgohanthology.wix.com/lgoh
Tonight we focus on the Gentlemen of Horror 2014 with our guests: Peter Salomon, Joseph DeRepentigny, Nicholas Day, Rick Powell, Colin Maguire, and Thom Futrell.
LIVE interview with Richmond,CA Native Author Shonda Dilliehunt
in Politics
Truth be told, most stories of this gravity are posthumous biographies told long after the hero (or in this case heroine) has passed. However, this was not to be the case for one Shonda Dilliehunt. Instead of being an homage to its subject, Shonda Dilliehunt, this autobiographer was able to make it out of the mean Bay Area streets to tell her own story, and it soon becomes obvious why.
From the jump her parents knew she was a, "Cold Piece."
A Cold Piece is a harrowing, coming-of-age autobiography, told by none other than Shonda Dilliehunt, the "Cold Piece," herself. In a world filled with gangstas, dope boys, fast cash and the highest of stakes within it, Shonda wasn't someone who was sworn in but rather born in. From her introduction to the game by her parents in the soulful, yet dope-fueled and filled 70's it was obvious from the outset that Shonda had all of the odds stacked against her, yet with her disarming looks, charm, and street smarts Shonda was able to rise to the top of a notoriously male-dominated game.
While so many fall victim to the unforgiving streets, Shonda, using her keen sensibilities as a woman, shrewd street savvy, and innate charm is able to become a victor amidst the chaotic workings of the underworld. This gripping page-turner highlights her entry into the game and rise within it all while holding back none of the gritty realities that define it. As Shonda comes up her world falls down around her, but with her uncompromising determination and unrelenting dedication to make it through it all her story reflects the triumph over tragedy ethos that has the ability to impact and inspire.
Touching on everything from beef, betrayal, loss, love, and ultimately redemption, A Cold Piece has all of the makings of an instant classic in the burgeoning genre of urban non-fiction. .
The Ladies of Horror 2014 - Horror Anthology
in Books
The Ladies and Gentlemen of Horror is a unique anthology that focuses as much on the writer as on the stories they tell. With around ten thousand words of pure horror from each amazingly talented Lady and Gentleman, as well as in depth biographies and beautiful photos, this anthology is something you do not want to miss. The anthology comes out annually on Halloween in three print editions: The Ladies of Horror, The Gentlemen of Horror, and a combined version, The Ladies and Gentlemen of Horror. Each version also has an ebook edition. All proceeds from the Ladies and Gentlemen of Horror Anthology are donated to the American Cancer Society.
Visit their website at: http://lgohanthology.wix.com/lgoh
Tonight we focus on the Ladies of Horror 2014 with our guests: Rosie Bates, Charie D La Marr, JiHane Mossalim, Mary Genevieve Fortier, and a poem and a musical recording by Walki Freedreamer Tinkanesh.
Urban City Youth Radio Show Local Talent October 18, 2014
in Pop Culture
Tune into this episode of the Urban City youth Radio Show that aired on KTYM 1460AM on October 18th, 2014 where show Host Eric Ball and Co-Host Sonja Jefferson displayed the musical talent of local youth in Los Angeles, California. 4 local artist were featured on this show and their music has now been heard by thousands of local listeners in the Los Angeles Metro Area. This Blog Talk Radio show site makes it possible for their music to be heard around the world. Keep it locked to the Urban City Youth Radio Show for more local artist, biographies and ways to download their music.
True Crime Author Cathy Scott Joins the CL Gammon Program
in Books
Cathy Scott joins us on the CL Gammon Show. Cathy Scott is a tour de force in true crime as a Los Angeles Times bestselling author and an award-winning investigative journalist. She attracted international acclaim for her classic true-crime biographies, The Killing of Tupac Shakur and The Murder of Biggie Smalls. Her eighth book, The Millionaire's Wife, was released March 27, 2012. by St. Martin's Press about the 1990 contract murder of George Kogan on an Upper East Side Manhattan street in broad daylight. Fast-forward nearly 20 years, and Barbara Kogan, George's estranged wife, admitted to hiring a hit man to have her husband gunned down. Her ninth book - Murder in Beverly Hills (the re-release and update of Murder of a Mafia Daughter) - was published in November 2013 about the unsolved murder of writer Susan Berman. The book includes exclusive information from investigators and new information about their prime suspect. A memoir of a former drug kingpin, Freeway Rick Ross: The Untold Autobiography, which Cathy co-wrote with Ross, was released in June 2014 to a standing-room audience at its Los Angeles launch. Her latest project is the Dawn Viens case. Dawn, 37, disappeared on Oct. 18, 2010, after leaving Thyme Contemporary Cafe, in Lomita, California, that she and her husband ran. David Viens told police that he and his wife had argued. She didn't take her cell phone or stash of cash, and her car was later towed as evidence when she did not return. The husband, after throwing himself off a cliff -- and surviving -- admitted to killing his wife but has not told police where Dawn's body is.
Nic Askew - Soul Biographies
in Film
Soul Biographies is about being truly seen. For when we are, the world changes.
Nic Askew's films are of the courageous, and for the courageous. It's an act of bravery, and of immense trust to sit in front of such a revealing camera not knowing what might come. For the courageous - it's a similar act of bravery to pay attention to another who is most likely to challenge your world.
Nic's black and whiteHuman Portraits examine the depth of qualities such as happiness, purpose, loss, loneliness, courage, and gratitiude. And the more worldly subjects such as transformation in leadership, education, healthcare, business and poverty.
New human portraits are emailed out to a large, loyal, curious and influential tribe each Monday since 2005.
Author Suzettte Riddick stops by Good Deeds with Dr. Renee Sunday
in Motivation
Suzettte Riddick has been an avid reader since childhood. Her favorite genres are romance and biographies. Victoria holds a Bachelor's and Master's degrees in nursing from LaSalle University. She's employed as an adult nurse practitioner and has dedicated her nursing career to taking care of adults with sickle cell disease. Victoria's debut novel A Special Summer was released in 2007. She lives in Philadelphia with her husband and three children.
Joy Keys chats with Author Alexis De Veaux
in Books
Alexis De Veaux's work is defined by two critical concerns: making the racial and sexual experiences of black female characters central, and disrupting boundaries between forms. She is the author of two award-winning biographies: Don't Explain: A Song of Billie Holiday andWarrior Poet: A Biography of Audre Lorde. A celebrated writer of poetry, children's literature, plays, essays and journalism, De Veaux is also an activist recognized for her lifelong contributions to a number of women's and literary organizations, and a recently retired professor of women's studies at University of Buffalo. With her new work, Yabo, Alexis has returned to her first love: writing fiction.
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Food Runner, a Singapore-based food delivery company backed by Digital Media Partners, has acquired Philippines counterpart City Delivery.
Venture | 28 Feb 2014 |
Jungle Ventures has led a S$1.5 million ($1.2 million) round of funding for Crayong Data, a Singapore-based big data start-up, with participation from Spring Seeds Capital.
Southeast Asia | 20 Feb 2014 |
CITIC Private Equity has held talks about potentially increasing its stake in Singapore-listed portfolio company Biosensors International, the medical device maker said on Wednesday.
Greater China | 20 Feb 2014 |
CITIC Private Equity is said to be looking to buy full control of its Singapore-listed portfolio company Biosensors International, a medical device maker.
Greater China | 19 Feb 2014 |
Hopu Investment Management is part of a consortium that has agreed to invest $2.5 billion in Global Logistic Properties (GLP), a Singapore-listed warehouse operator with interests in China, Japan and Brazil.
Greater China | 19 Feb 2014 |
Fund administrators are seeing increased demand from GPs for back office services in Singapore. Hong Kong isn't the definitive loser, but the territory's lack of tax and regulatory certainty for PE is a factor
Advisory | 19 Feb 2014 |
Region | 18 Feb 2014 |
Alibaba Group, Temasek Holdings and existing backer Qiming Venture Partners have invested $100 million in a Series B round of funding for TutorGroup, a China-based online education service provider.
Greater China | 17 Feb 2014 |
Klinify, a Singapore-based electronic medical records management service provider, has received S$770,000 ($604,000) in seed funding round led by Jungle Ventures.
Southeast Asia | 05 Feb 2014 |
Rocket Internet's price comparison platform, PricePanda, has raised $3 million from German retailer Tengelmann Group to expand its Southeast Asia footprint. It currently operates in Malaysia, Philippines, Indonesia and Singapore.
Southeast Asia | 28 Jan 2014 |
Luminor Capital, a Singapore-based private equity firm, has invested CHF5.5 million ($6.1 million)in Switzerland's Next Generation Finance Invest (NGFI).
Technology | 24 Jan 2014 |
RedMart, an online grocery service based in Singapore, has raised a $5.4 million round of funding led by Facebook co-founder Eduardo Saverin. Other investors in the bridge round included JFDI.Asia co-founder Meng Weng Wong, The Lo & Behold Group founder...
Consumer | 23 Jan 2014 |
Grant Kelley, head of Apollo Global Management's Asia Pacific real estate business, has joined listed Singapore property developer City Developments (CDL) as CEO.
People | 17 Jan 2014 |
Microsoft Ventures, a corporate VC arm of Microsoft, has selected 19 Asian companies for the fourth batch of start-ups entering its Beijing-based accelerator program.
Greater China | 16 Jan 2014 |
Amaranth Medical, a medical device manufacturer backed by Singapore's Bio*One Capital and Phillip Private Equity, has received a Series C round of funding from US-listed Boston Scientific.
Venture | 15 Jan 2014 |
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As investor's confidence in the domestic economy is restored, Taiwan's private equity sector players are anticipating a long-awaited upswing in activity, especially with a more transparent and open regulatory environment to revive growth. Positive signals from the government include the new M&A regulation, which will add on protection of minority shareholders upon its launch. The National Development Fund has also injected billions of cash into local funds in an effort to support industrial innovation.
20 November 2014, The Westin Hotel, Taipei
Website | Register | Download Brochure
With the empathic and historic victory of Narendra Modi at the recent elections in India, the market confidence has improved significantly. Until recently, India was mentioned in financial markets only in a negative light given the enormous potential and lack of delivery. Difficulties in exiting, arbitrary taxation and poor governance are just some of the chronic problems deterring investors.
Discover what repercussions the latest political developments will have on the private equity industry, the outlook for the next wave of fundraising, where GPs expect to source exits and the best way forward for existing and potential investors.
2-3 December 2014, Taj Lands End Hotel, Mumbai
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Plenty to learn and like about AFL
As the Arena Football League prepares to kick off its 21st season, here are 21 things to know about the AFL.
It started as a simple sketch on the back of an envelope. Jim Foster, a former NFL and USFL executive, was just emerging from an indoor soccer match at Madison Square Garden in 1981 when the idea struck him. Why not indoor football? He quickly grabbed the first piece of paper he could get his hands on and jotted down a rough draft of a field inside the configuration of a hockey rink. That little drawing resulted, six years later, into what is now the Arena Football League, one of the fastest-growing professional sports.
This marks the 21st anniversary of the AFL. With 19 teams and a new TV contract with ESPN, the AFL has evolved into a league that even Foster may have never envisioned. Here are 21 facts, stats, rule changes and storylines to watch for as the AFL embarks on its 21st season:
Also, if a ball goes into the stands at an AFL game, fans are allowed to keep it.
20. Lord Of The Rings: Tampa Bay Storm head coach Tim Marcum is the AFL's Vince Lombardi, Don Shula and Bill Belichick all rolled into one. He has coached in 10 of the league's 20 ArenaBowl championships, winning seven (three with Tampa Bay and four with defunct teams -- three with the Detroit Drive and one with the Denver Dynamite).
19. Kingpins: Tampa Bay is the longest-tenured team in the league and the only remaining charter team. It started as the Pittsburgh Gladiators and was one of the four original teams in the AFL with the Denver Dynamite, Chicago Bruisers and Washington Commandos.
In fact, the 2006 season marked the first time in 20 years Tampa Bay missed the AFL playoffs (four years as the Pittsburgh Gladiators and 15 as the Storm). The Storm own five AFL championships, more than any other team in AFL history. The three closest active teams are the Orlando Predators, San Jose SaberCats and Arizona Rattlers, which each have won two ArenaBowl titles. The defunct Detroit Drive won four championships, winning three of the first four ArenaBowls.
17. The Salary System: The average AFL salary is $85,000 and contracts include 401K plans and housing. The salaries, not including bonuses, range from $28,000 to as high as $165,000. Most AFL starting quarterbacks' salaries are in the six figures. Philadelphia Soul quarterback Tony Graziani is presumably the highest-paid player in the AFL, with a salary of over $200,000, including bonuses.
16. Timing Is Everything: The clock stops for out-of-bounds plays, incomplete passes or sacks only in the last minute of each half. There is a one-minute warning in the AFL; the NFL has a two-minute warning. To prevent a team from kneeling to kill the final seconds of a game, the clock stops if the offensive team has the lead and fails to advance the ball past the line of scrimmage during the final minute of the fourth quarter. Overtime rules require each team to get one possession to score. If the teams are tied after each has had one possession, the next team to score wins.
15. Fun Rule: A standard AFL field is 50 yards long and 85 feet wide. That's about the dimensions of a hockey rink. The end zones are eight yards deep and goal posts are nine feet wide with a crossbar height of 15 feet (NFL goalposts are 18½ wide with the crossbar at 10 feet). The goalpost dimensions give AFL kickers the feeling that they're kicking down the slot of a toaster.
The netting behind the end zone, or rebound nets, is 30 feet wide by 32 feet high. The bottom of the nets are eight feet above the ground. A pass thrown off the netting is live ball and counts as a reception if it's caught before it touches the ground.
Passes off the boards are also considered live, and anything caught off a rebound from the boards counts as a catch.
14. Not-So-Fun Rule: Playing linebacker in the AFL comes with some restrictions. There are two linebackers. One is referred to as the "Mack," which is allowed to blitz the quarterback and go anywhere on the field. The other is the "Jack," or jack-in-the-box linebacker, who must play tackle-to-tackle, cannot blitz the quarterback or drop back five yards into a zone defense. The "Jack" linebacker is required to stay in his "box" until the release of the ball or if the quarterback breaks the pocket and decides to run.
13. Eight Is Enough: Eight players are allowed on the field, as opposed to 11 in the regular football. AFL teams are allowed to carry 24 players on a team, but only a 20-man roster on game days.
12. Famous Alums: The most famous alum from the Arena League is Arizona Cardinals quarterback Kurt Warner, the two-time NFL MVP and MVP of Super Bowl XXXIV when he played for the St. Louis Rams. Warner played two years for the defunct Iowa Barnstormers, from 1995-97. Other famous AFL alums include Chicago Bears defensive back Rashied Davis, Cincinnati Bengals kicker Shayne Graham, New Orleans Saints receiver Michael Lewis, New York Giants kicker Jay Feeley and Washington Redskins receiver David Patten.
11. Hall Of Fame Recognition: The Pro Football Hall of Fame just unveiled the first exhibit dedicated to the Arena Football League. "I can't think of [a milestone] that is more meaningful for our league than an exhibit in the Pro Football Hall of Fame," said AFL commissioner David Baker.
10. The NFL Connection: The AFL has an ongoing relationship with the NFL. Five AFL teams are operated by NFL owners: K.S. "Bud" Adams, Nashville Kats (Tennessee Titans); Tom Benson, New Orleans VooDoo (New Orleans Saints); Arthur Blank, Georgia Force (Atlanta Falcons), Jerry Jones, Dallas Desperados (Dallas Cowboys); and Pat Bowlen (Denver Broncos). The NFL also oversees the AFL's officiating department.
In addition, former NFL greats John Elway (Colorado Crush), Mike Ditka (Chicago Rush), Deion Sanders (Austin Wranglers) and Ron Jaworski (Philadelphia Soul) all have part-ownership of teams.
8. Famous Alumni: New Orleans Saints coach Sean Payton, the NFL's 2006 coach of the year, got his professional football start in the AFL as a backup quarterback for the Chicago Bruisers. So did Eagles offensive coordinator (and former Detroit Lions head coach) Marty Morningweg, who was with the Denver Dynamite as a backup quarterback. Morningweg didn't fare too well. In is first series, he fell awkwardly and injured his knee.
7. Feeling At Home In Philly: Four years ago, the Soul was worth $450,000. Now the franchise may be worth close to $32 million, according to part-owner Jon Bon Jovi. Jaworski found out how the fans felt about the Soul during its second season. After a bad first half against Dallas, boos rained down on the home team as it left the field. "That told me these fans here cared," Jaworski said. "That told me we're being taken seriously, that we aren't a novelty act anymore. That said we arrived."
The Soul will appear on ESPN seven times this season, more than any other team.
6. Looking Ahead: In 2006, the Kansas City Brigade and Utah Blaze joined the AFL. The AFL is looking at the possibility of expanding to Boston, Cleveland, Miami, San Antonio and Washington. The ultimate goal is reaching 28 to 32 teams over the next five years.
5. Here's Looking At The AFL: The 2007 season will feature the most comprehensive television coverage in league history, thanks mainly to the new five-year agreement with ESPN, which will annually broadcast a minimum of 26 regular-season and playoff games, including the ArenaBowl. As part of the agreement, ESPN purchased a 10 percent share in the AFL. In 2006, the AFL reached 65 million viewers, the most in its history.
3. Free Substitution: The substitution rule in the past allowed coaches one substitute per position per quarter. This season, coaches will be permitted to substitute players freely -- just like the NFL. The move is designed to open the game up, giving coaches the opportunity to use situational substitution. The basis is to improve the overall play of the game, enabling the AFL to become more specialized. In the past, "Ironman Football" was the way of the AFL. It was actually a selling point.
"Open substitution will help the offenses create more mismatches," Soul coach Bret Munsey said. "In the past, our defenses were prepared to stop the offense in the red zone. Now that changes. We have to look more to make stops in the middle of the field."
2. Teams To Watch: Dallas could be the team to beat. The Desperados have size, speed and quarterback Clint Dolezel, the AFL's 2006 MVP who threw for a league-record 105 TDs last season. Figure on defending champion Chicago to be in the mix again, and Orlando and traditionally strong Tampa Bay bear watching.
Darkhorse teams: Utah, Philadelphia, Nashville.
1. AFL Returns To New Orleans: The VooDoo returns to the AFL after losing the 2006 season because of the effects of Hurricane Katrina. ArenaBowl XXI will be held at the New Orleans Arena on Sunday, July 29.
Joseph Santoliquito covers the Arena Football League for ESPN.com. He can be contacted at email@example.com.
- Former AFL player files lawsuit over head injury
- New Arena league to have 15 teams, 4 divisions
- New arena football league to include 16 teams
- AFL releases statement to announce shutdown


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Samantha Greenfield Designs in Floral Artistry
Creative Designs In Floral Artistry
387 Crawford Street
Strasburg, VA 22657 | map
Website: Visit my website »
Consultations: Free
Samples: For Charge
Services: Breakdown, Delivery, Setup
Private User 5 Reviews
Samantha Greenfield is a talented, visionary, and down to earth floral artist. She deftly worked within our limited budget to create stunning bouquets and boutonnierres for our bridal party and elegant centerpieces for our tables. She also went above and beyond by decorating our wedding cake with edible flowers and providing delicately designed baskets for our flower girl. We received so many compliments on her floral designs; her work truly transformed our wedding to another level. We cannot recommend her highly enough.
Wedding: Recently Married
Services Used: Flowers
Jessica 1 Reviews
Working with Samantha was amazing- from start to finish. She was so easy to work with- honest, prompt and responsive, and very clearly talented with great artistic vision and style-sense- she gave me invaluable advice to help me pull off the floral aesthetic I had in mind for my wedding but had trouble articulating. She was able to identify exactly what I was looking for and simply removed any stress I had about decor/flowers. On the day of the wedding, she arrived on time and presented me with the most beautiful bouquets and flower arrangements I had ever seen- was completely blown about by how gorgeous the flowers she designed turned out. My family and friends couldn't stop talking about the flowers, and it was really all we needed as far as decor goes- the flowers were such a statement. She even helped me fasten my grandmother's pearls to my bouquet in a elegant way and stayed to help with set up of all flowers/decor and made sure everything was perfect before leaving. I couldn't be happier that I worked with Samantha for my wedding!! If you decide to work with her, my advice is that you show her what you like and share your vision and then just let her run with it- she came up with ideas and details that were beyond what I asked for and added a level of detail and beauty that I couldn't have imagined on my own.
Wedding: 09/20/2014
Services Used: Flowers
Samantha was amazing to say the least. It is very hard for me to imagine things if I don't see it first. But after going over the floowers that would be used in my wedding I knew I was workign with someone who knew what they were doing. Then when I arrived at my ceremony to get my bouquet I was amazed at how beautiful the colors were! The flowers made my wedding day and brought some more color to my special day (:
Wedding: 08/02/2014
Services Used: Flowers
Samantha is a fairytale maker. She worked magic at my wedding. She worked with my crazy wild ideas of a million flowers and colors to create breathtaking bouquets, centerpieces and floral decorations everywhere. She even last minute built a rustic arch from branches and flowers. Even though it threatened rain and even did sprinkle on the wedding day, she installed the arch and artful floral decorations outside all over our wedding site. She was kind, efficient, thoughtful and so creative. She has just the right balance of great listening and creative input. The only negative thing was that the day after the wedding it broke my heart to have so many gorgeous leftover flowers. We had to fly out that same day so we couldn't take them with us. Brides-to-be: Plan to find homes for all the flowers after your reception! They're just too pretty to compost.
Wedding: 06/21/2014
Services Used: Flowers
Private User 4 Reviews
Our daughter said to Samantha, "you really made my dream come true". The colorful, creative, floral creations made the wedding memorable and beautiful.
Each detail was perfect and was executed with the highest degree of professionalism.
Wedding: Recently Married
Services Used: Flowers
Anonymous 2 Reviews
Love all of Samantha's work!! She made our wedding beautiful!!!
Wedding: 1+ year ago
Services Used: Flowers
Private User 2 Reviews
My budget was quite limited (I had planned on making bouquets from bundles of flowers from Costco) and I didn't think flowers needed to be the focal point of my wedding.
At the last minute I elected to contact Samantha to see if she could assist me. Samantha was extremely accommodating to my ideas, budget and event date.
I could not have been more impressed by my wedding flowers. They were nothing short of stunning and one of my favorite details in my wedding. THANK YOU!
Wedding: 1+ year ago
Services Used: Flowers
Heather 2 Reviews
Seeing the beautiful flowers brought tears to my eyes! You did a fabulous job and I can't stop raving about you! thank you!
Wedding: 09/14/2013
Services Used: Flowers
Private User 4 Reviews
Samantha did a beautiful job with my wedding flowers! I had a gorgeous bouquet of cream roses and deep purple iris. Irises are tricky to work with and as they can be quite finnicky, she went an extra mile for me and made a second set of corsages and boutonnieres for my tiny wedding. Both sets were absolutely lovely. Sam was fun to work with and her artistry speaks for itself. After loving every bouquet and arrangement of hers that I saw, I was so exited to have her do my flowers, and you will be too. I was not doing much in the way of flowers and she helped me within my budget. I'd recommend her to anyone!
Wedding: 06/08/2013
Services Used: Flowers
Adriana 5 Reviews
Samantha was wonderful! She was early and very professional. Her work is beautiful and very unique.
Wedding: 05/11/2013
Services Used: Flowers
Courtney 1 Reviews
Samantha was a terrific florist to work with. She was very flexible with my often changing requests and the final product was more beautiful than I could have imagined. The flowers were very elegant and set the scene for my beautiful fall wedding.
Wedding: 10/27/2012
Services Used: Flowers
LeVera 1 Reviews
We were originally getting our floral arrangements from Martin's; for the simple fact it was cheaper. A family member suggested we look into Samantha Greenfield Designs before we made any final commitments. I am so happy we decided to switch to Samantha. She matched our budget with Martin's and the quality of the art was so much better!
Samantha did a wonderful job helping us create the perfect floral look for our wedding day! Our centerpieces were beautiful and the bridesmaids bouquets were absolutely lovely. I was most pleased with my bridal bouquet. I didn't want to put it down. We had gone back and forth with one or two colors to use for it and I was SO happy that I decided to go with the two colors. Samantha made it look absolutely stunning! Adding the twine and rustic key to it was the perfect touch! Our piano piece added simple decoration to our little country church setting. I highly recommend Samantha to add your special day, not only for the creativity and quality time she puts into her work, but for her prices!
Wedding: 10/20/2012
Services Used: Flowers
Anonymous 2 Reviews
Samantha was wonderful to work with and is so talented! I very greatful that I recieved her recommendation. She was a crucial part in making my wedding the romantic dream I had always envisioned! I don't know what I would have done without her!
Wedding: 10/13/2012
Services Used: Flowers
Anonymous 5 Reviews
Awesome to work with and flowers were exactly what I wanted for my wedding.
Wedding: 2+ years ago
Services Used: Flowers
Carrie 8 Reviews
Samantha, I loved our flowers, the ribbon garland, the unique touches and all your attention to detail!! I highly recommend you and will refer everyone to have you as an asset to their wedding, event, etc. Thank you so much!!
Wedding: 09/29/2012
Services Used: Flowers, Lighting & Decor
Krishele 5 Reviews
Samatha is not only brilliant with design and inspiration but also a joy to work with. She is a lovely, very sweet woman who just happens to be chalk full of talent. Anyone would be more than pleased with her service!!
Wedding: 07/22/2012
Services Used: Flowers
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In my last place I hid wires behind skirting or under the edge of the floor. If you have a laminate type floor there will be a gap at the edge hidden by beading or the skirting. If you have carpet, just lift the edge (a bit at a time so you don't have to re-stretch the whole carpet). You can also get flat cable which is quite easy to hide even if it's essentially in full view.
I'm currently just finishing my "man cave" and have been lucky that I've been able to build all the cabling into the fabric of the building. But even that will leave cables visible between wall plates and speakers/sub. I think you just have to accept some cables.


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All photos by Emily CodikI've had my share of batidos. Growing up in the Dominican Republic, my mother would always whip up thick shakes with produce from her favorite street-side fruit carts. She'd add the fruit, milk and ice to a blender and serve a simple, yet delicious, batido. The chilled drink ... More >>
Cuba has been a communist state for more than 50 years, but that doesn't mean there isn't lots of underground capitalism going on. For almost as long as the United States has had a trade embargo on the island nation, there's been a significant amount of black-market activity. You can place all s ... More >>
A snippet of the New Times restaurant review for next week.Pamela's Delicatessen is a combination mini-market/bakery/cafe/full service Chilean restaurant. The first three are housed in the front room: dry food imports on the shelves, breads and wines in wooden racks, a smattering of tables clustered ... More >>
Apparently even in its' final moments, the Bush administration's penchant for pettiness has not yet been exhausted. The latest victim is Roquefort cheese, which has had its' import duty rate tripled to 300% by the lame duck government. According to an article in The Guardian, the move was taken in o ... More >>
Check out how Mr. Zero dealt with a crappy situation.
Figure out how to do it right.
Not on Sunday, Sunday, Sunday its on Friday, Friday, Friday!
Have a beer with the Peace Corps at Shuckers.
Artists go corporate for this car-inspired exhibit.
Our sister paper in Minnesota, City Pages, is reporting that state's governor, Tim Pawlenty has flip-flopped on the trade embargo with Cuba. The reason: ambition. Pawlenty would like to become John McCain's VP. The Repubnant Arizonan wants Miami Cubans' support. So Pawlenty contradicted his own a ... More >>
The Green Living and Energy Education Expo hits Key West.
"She can try out for American Idol as a reporter."
Timeless (Concord/Hear Music)
Bicentennial Park seawall
It's nice to have wealthy and influential friends, especially when you need loads of campaign cash
Locals love hot pig
Miami Police Chief John Timoney
Celeste Fraser Delgado
Lida Rodriguez-Taseff
Republican hooligans
Red Square
Developers are hungrily eyeing Dade's agricultural heartland, where farmers are a dwindling breed
The most lucrative contract in the history of Miami International Airport is about to be awarded to one lucky company
Miami is going to miss you. Your vision for the city. Your political savvy. Your cosmopolitan sophistication. Your utter gall.


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Drupal Web Developer1
- Company: Flametree Systems Engineering Ltd
- Deadline: Friday 28th February 2014
- Location: Nairobi
Job Description
Flametree Systems Engineering Limited ("FT") is an independent Kenyan ICT company. FT requires a Drupal Web Developer to participate in web projects and related user support. All FT's web projects are based on state-of-the-art Content Management Systems and the developer has knowledge and experience in this area. FT is a company with passion for ICT4Development in both rural and urban environments. The company offers a dynamic and learning environment.
· Bachelor's degree in Computer Science, Information Technology or equivalent
· Skills requirements: programming in clean, clearly commented PHP code; database administration (mySQL)
· Customizing Content Management Systems with CSS and templating
· Good knowledge of PHP, CSS, HTML or other modern language.
· Good understanding of web design principals and UX/UI
· Very good understanding of Drupal CMS and its best practices
· Understanding of fundamental esthetics such as colour schemes and page layouts
· Personality requirements: team spirit; team work; openness; time management
· One year or more work experience (references provided)
1. Implement web design and development projects as per client specifications, under the supervision of a senior colleague.
2. Update web content to client websites
3. Contribute to technical documentation for web projects, under the supervision of a senior colleague.
4. Offer customer support services
5. Participate in Research and Development by identifying and analyzing web technology
6. Any other duties that may be required from time to time.
How to apply
Send your application to firstname.lastname@example.com
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Hornady Crimp Starter Assembly 12 Gauge
Product #: 233441 Hornady #: 020050 UPC #: 090255020502
Product Information
The Hornady 366 Auto Progressive Shotshell Press is the ideal press for any avid shotgun shooter. The ability for this press to change crimp starters helps to ensure it is versatile enough to handle all style of shotshells.
Technical Information:
Fits: Hornady 366Shotshell Press
Use: Replacement Crimp Starter Assembly comes with 12 Gauge 6 point, 8 point and paper hull crimp starters
Material: Plastic
Notes: Available for a variety of different gauges, hulls and number of points that get formed
Technical Information:
Fits: Hornady 366Shotshell Press
Use: Replacement Crimp Starter Assembly comes with 12 Gauge 6 point, 8 point and paper hull crimp starters
Material: Plastic
Notes: Available for a variety of different gauges, hulls and number of points that get formed
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The total weight of the product, including the product's packaging as it sits on our shelf. Since some products ship directly from the Manufacturer, their weight may be unavailable. Because of variations in the manufacturing process, similar products may have differing weights. Unless the product is designated as "Ships Alone", Shipping Weight does not include the shipping box or packing materials associated with your order.
Product ships from MidwayUSA, separate from any other products on your order due to its size. Products that are Shipped Alone incur separate "Per Order" and "Per Pound" shipping charges.
Product is regulated by the US Department of Transportation (DOT) and cannot be shipped via USPS or air shipping methods. DOT-Regulated products must ship UPS Ground.
Product is restricted by shipping carriers and cannot be shipped to certain locations or via certain shipping methods.
Additional shipping charge for HazMat products. Carriers charge extra to ship packages with products they consider hazardous, such as reloading powder and primers.
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Dian Austin Couture Home
Modern Baroque Bedding
By Dian Austin Couture Home??. Modern Baroque features artistic scrolls and scallops on plush chenille. Woven in European of viscose/cotton/polyester in a neutral palette. Modern Baroque duvet covers are finished with tri-tone cording. Three-panel velvet dust skirts in French vanilla hue have an adjustable 18" drop; pins included. Made of viscose/cotton. Adding elegant texture, European-woven plisse duvet covers and accessories, made of polyester, come in an array of neutral shades. Select ...
King Abbie Duvet Cover, 108" x 96"
Large ruched squares create a basket weave effect on Abbie bedding. Quilted linens echo the pattern. All of 200-thread-count white cotton; machine wash. Pom pom pillow by Cloud 9 Design is polyester/cotton; dry clean. Imported.
Callisto Home
Embroidered Crescent Moon Pillow
Callisto Home specializes in taking traditional looks and making them modern as demonstrated by these ruffled and embroidered netting-lace bed linens in natural. Made of rayon. Dry clean. Imported. "Grace" duvet covers have an attached skirt. Dust skirts have a cotton lining and 20" drop. We added the diamond-textured "Marquis" linens in silver. Pre-washed for softness, they're made in the USA of cotton/rayon from Italy. Dry clean. Sheeting by Sferra is made in Italy of ...
Diamond-Pattern Pillow with Ruffles, 12" x 24"
Ruched and embroidered white comforters are cotton with a polyester fill. Quilts are cotton with a cotton fill and reverse from floral to diamond pattern. Finished with a white pleated ruffle edge. Spot clean pillows; machine wash linens. Dust skirt shown not available.
Isabella Collection by Kathy Fielder
King Damask Duvet Cover, 110" x 98"
From Isabella Collection by Kathy Fielder. Gold and ivory damask duvet covers feature a luxe chenille texture. Standard and king damask shams have ruched insets and side fringe. Striped polyester dust skirts have a 20" drop and polyester/cotton decking. Ivory pillow with animal pattern is polyester chenille and rayon. Square pillows have a feather/down fill; bolster has a polyester fill. Dry clean. All of polyester unless otherwise stated. Made in the USA of imported materials. ...
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Special Value: $269.90
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Alessandra Bedding
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From Sweet Dreams??. Mint and ivory zebra linens are made of viscose and polyester; duvet covers have cord trim; shams are framed with brush fringe. Gathered ivory dust skirts are silk; 18" drop. Fanciful accent pillows incorporate gimp, beading, tassels, ruching, and more. Dry clean. Made in the USA of imported viscose, polyester, and silk fabrics. We added Elite diamond-quilted velvet coverlets. They come in a range of colors to complement any pattern. Polyester/cotton blend. ...
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King Quilted Velvet Coverlet, 106" x 96"
From Isabella by Kathy Fielder. Helena duvet covers of silky polyester are graced with a lovely platinum blue print. Ruched blue accessories with textural gimp trim are also polyester, as are the white faux-fur pillow and throw. Imported. We added Elite diamond-quilted velvet linens made in the USA of polyester/cotton; select color when ordering. Dry clean.
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Chenille fabrics with stripes and medallions mix with paprika velvet. Chenille fabrics are rayon/cotton/flax/nylon and rayon/polyester. Velvet is silk/rayon. Adjustable, three-panel velvet dust skirts with 18" drop fit queen- and king-size beds. Pins included. Dry clean. Made in the USA of imported fabrics.
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Bristol Bedding
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fulmarLine breaks: ful¦mar
Pronunciation: /ˈfʊlmə /
Definition of fulmar in English:
A gull-sized grey and white seabird of the petrel family, with a stocky body and tubular nostrils.
- Genus Fulmarus, family Procellariidae: two species, in particular the northern fulmar (F. glacialis) of the arctic area and British Isles
Example sentences
- Adélie penguins, Cape petrels, southern fulmars, and six other species were observed for the study.
- In spring and summer these become home to thousands of sea birds like guillemots, razorbills, puffins, fulmars and kittiwakes.
- There's always the chance of a minke whale, too, while terns, fulmars, guillemots, puffins and shearwaters come as standard.
Definition of fulmar in:
- US English dictionary
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Word of the day ingratiate
Pronunciation: ɪnˈɡreɪʃɪeɪt
bring oneself into favour with someone through flattery…


text:
A hit on the pipe (usually tokin' the buds) that's massive, so it hurts your throat, but you don't cough at all.
I took a mad Champ Hit, NICKA!
by 4:20 Hippie Vision Required!!! February 09, 2007
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Stock Market & Financial Investment News
News Breaks
February 12, 2013
Tekmira Pharmaceuticals to expand, advance pipeline of proprietary products
Tekmira Pharmaceuticals announced its key product development, corporate, and partner milestones for 2013. "Tekmira has been at the forefront of the RNAi technology revolution over the last decade, and 2012 proved to be a pivotal year for the RNAi field where Tekmira's LNP technology enabled multiple promising sets of human clinical data. It is Tekmira's deep knowledge and our ability to continuously innovate and improve our LNP technology platform which is driving the RNAi field forward," said Dr. Mark J. Murray, Tekmira's president and CEO. "Building upon this positive momentum, in the year ahead, we will expand and advance Tekmira's pipeline of proprietary products, in order to maximize value for our shareholders. We intend to present results from our Phase I clinical trial with TKM-PLK1, our lead cancer program, and we anticipate it will enter Phase II clinical trials later this year. We will continue to advance our TKM-Ebola product in collaboration with the U.S. Department of Defense's TMT program. And, we expect to nominate and move forward with our next target for development. Looking at our partners, we anticipate results from Alnylam's ALN-TTR02 Phase II trial in mid-2013 and the initiation of a Phase III trial by the end of 2013 and we expect to receive $10M in milestone payments from Alnylam in 2013. In addition, we are entitled to future royalty payments based on sales of Marqibo, which was recently approved by the FDA. With clarity around the intellectual property protecting our LNP technology platform, we are well-positioned to pursue product, platform and strategic partnering deals," added Dr. Murray.
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November 26, 2014
Tekmira files to sell $150M of common stock
November 20, 2014
Traveler returned from Mali being tested for Ebola in NYC, Daily News reports
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November 19, 2014
Tekmira to host analyst day
Analyst Day to be held in New York on November 21 at 9 am.
Webcast Link
November 17, 2014
Nebraska Medical announces death of third Ebola patient
The Nebraska Medical Center said via Twitter, "We are sorry to announce that the 3rd Ebola patient, Dr. Martin Salia, has passed away as a result of the advanced symptoms of the disease." Drug companies that are working on experimental Ebola vaccines or treatments include Peregrine (PPHM), Tekmira (TKMR), Sarepta (SRPT), BioCryst (BCRX), Chimerix (CMRX) and NewLink Genetics (NLNK). Some companies that offer protective clothing and waste disposal include Lakeland Industries (LAKE), Alpha Pro Tech (APT) and Sharps Compliance (SMED).
Dicerna announces license agreement with Tekmira for PH1 program
Dicerna Pharmaceuticals (DRNA) announced a licensing agreement for Dicerna to use Tekmira's (TKMR) proprietary lipid nanoparticle technology for delivery of DCR-PH1, Dicerna's investigational product candidate for primary hyperoxaluria type 1, a rare, inherited liver disorder that often results in kidney failure, and for which there are no approved therapies. This announcement follows the successful testing of DCR-PH1 in combination with Tekmira's LNP technology in animal models, including mice and non-human primates. Under the agreement, Dicerna will pay Tekmira $2.5 million upfront, as well as $22 million in potential development milestones, and a mid-single-digit royalty on future PH1 sales. Tekmira's LNP system has shown in other human clinical studies to provide potent, safe and effective RNA delivery to hepatocytes. Licensing Tekmira's LNP will streamline the development path for DCR-PH1 and allows Dicerna to focus its LNP efforts on its oncology pipeline.
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Home > News > Nation
Monday January 9, 2012 MYT 12:00:00 AM
Friday May 24, 2013 MYT 8:12:44 PM
KUALA LUMPUR: The verdict in Opposition leader Datuk Seri Anwar Ibrahim's court case shows that the country's judiciary is independent and able to deliver judgment without fear or favour, Information, Communications and Culture Minister Datuk Seri Dr Rais Yatim said.
"The judgment has been made, and with this, it is proven that the country's judiciary is reputable, and its judgments are on par with those made in the developed countries, which are based on the rule of law," he told reporters here Monday.
The High Court Monday acquitted and discharged Anwar of sodomising a former aide, Mohd Saiful Bukhari Azlan.
In a statement issued earlier, Rais noted the verdict proved that the Government did not hold sway over judges' decisions.
The current wave of bold democratic reforms introduced by Prime Minister Datuk Seri Najib Tun Razak would help extend this transparency to all areas of Malaysian life, he said.
Rais also told reporters that the verdict exemplified the need for people to remain steadfast in upholding the rule of law.
"No one is above the law of the country. I'm confident that with the verdict, followers and supporters of Anwar will now try to rationalise the meaning of the rule of law which is an integral part of the Rukun Negara (national principles)," he said.
He hoped that there would be no more speculation or calls that would undermine unity among the people or the institutions or the country's administration.
"The verdict and the court's opinion should be respected.
"I am proud of the country's judiciary which has discharged its duties without fear or favour," he said. - Bernama
Related Stories:
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Sodomy II: Anwar acquitted
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Saiful accepts court's decision, hopes prosecution will appeal
Najib: Acquittal shows there is no Govt conspiracy against Anwar
BN to gain from Anwar's verdict, say leaders
Ahmad Zahid: Emergency Parliament sitting to table anti-terrorism bill possible
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Mignolet still a weak link for Liverpool, says Grobbelaar
IAEA says needs more money to monitor extended Iran nuclear deal
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Thu 29th Nov at 8:00pm - Midnight
Great Comedy Nights
@ Gravesend Old Town Hall, Gravesend
Featuring: Jeremy O'Donnell, JollyBoat, Nico Yearwood, Darren Walsh, Josephine Lacey
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Great Comedy Nights: Jeremy O'Donnell, JollyBoat, Nico Yearwood, Darren Walsh, Josephine Lacey
"The first ever comedy night at Gravesend Old Town Hall brings you some great comedians from the London comedy circuit. Also includes the 'Comedy Cracker' prizes and the 'Jester Joke Off'.
To book tickets, please call 01474 550023"
Info provided by the Event Organiser
Please note that the artists appearing may be subject to change.
Jeremy O'Donnell
Sharp and surreal observational humour, with a clean, swear-free set. He is a regular compere at several comedy clubs, in and outside the capital. As well as performing both his live stand-up and sketches for television, he writes prolifically for TV and radio.
O'Donnell mixes sharp oneliners with friendly storytelling and sparkling off the cuff wit.
'Lightening fast' (Evening Standard).
Jeremy O'Donnell tour dates
Jollyboat are an award-winning comedy song duo, writing about celebrities, geekery and pirates. The Independent highly recommended their Edinburgh Fringe show, and critics gave it 5 stars. And they're brothers, which gives them an almost psychic connection on stage. Following in the footsteps of Flight of the Conchords, Jollyboat are one to look out for.
JollyBoat tour dates
Nico Yearwood
Originally from the tropical island of Barbados, Nico has been setting the London comedy circuit alight with his unique blend of Caribbean flavoured comedy. Whether he is delivering hilarious stories about growing up in Barbados or his new life in London, his laid back style and charm immediately win audiences over and leave them wanting more. He is always a crowd favourite, especially with the ladies.
Nico Yearwood tour dates
Darren Walsh
Combining sound effects, one-liners and silly drawings, Darren Walsh's silly happy-go-lucky style has been compared to Harry Hill, with an act that combines surreal nonsense and snippets of daft songs.
'One to watch' (Time Out)
'He is a genial presence, not manic like Tim Vine, not wonderfully nerdy like Gary Delaney and not deadpan like Jimmy Carr, but very much his own mirthmaker' (Kate Copstick, The Scotsman).
Darren Walsh tour dates
Josephine Lacey
Comedy from the Irish Jamaican grandma.
Josephine Lacey tour dates
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Venue Facts
Venue: Gravesend Old Town Hall
Website: gravesendoldtownhall.co.uk
Phone: 01474 550 023
→ Gravesend 4 min walk


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Sure, the term "classic" doesn't usually apply to "Hills" star Audrina Patridge. But this jeans and sweater ensemble has the "Dancing with the Stars'" star looking like a downright respectable lady. Audrina makes it interesting by adding some well-placed accessories that add pops of color and texture. Her no-fuss hair keeps the look relaxed, and the heels amp up the wow factor. We love the bell-bottom jeans, and Audrina's fit her bottom perfectly. Get her denim look by finding a pair with a slight bit of stretch to them. We're also coveting her woven leather belt and the killer shoes. These peep-toe booties by XOXO with hidden platform and mesh panels are sexy and cool and can be worn all winter long with socks or stockings — and you wont believe the price!
Outfit details after the jump … Keep reading »


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William S. Pollack, Ph.D., a clinical psychologist, is an assistant clinical professor of psychiatry at Harvard Medical School, director of the Center for Men at McLean Hospital, and a founding member and fellow of the American Psycho-logical Association's Society for the Psychological Study of Men and Masculinity. He and his family live in Massachusetts.
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December 30, 2013 - Industry News
XPO Logistics Inc. announced that it has completed its previously announced acquisition of NLM from Landstar System Inc. The company funded the $87 million cash transaction through its ABL facility and available cash, including approximately $13.4 million of cash acquired on closing.
Tags: Landstar, Mergers & Acquisitions, XPO Logistics, NLM
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text: Geomega Resources (V.GMA) up 42% on CIBC block trade Stockhouse Editorial 2 Comments| August 27, 2014 Add to favourites Shares of Geomega Resources Inc. (TSX: V.GMA, Stock Forum) jumped 42% Wednesday, a move that sparked plenty of chatter on Stockhouse bullboards. In the absence of news, the consensus was that the stock was driven higher after CIBC World Markets traded a block of 60,000 shares at between 32.5 cents and 34 cents late in the session. Geomega is a name that has frequently been featured by Stockhouse TickerTrax columnist Danny Deadlock. As noted by Danny, GeoMega is working to prove up the commercial viability of new technology for the separation of rare earths, a process that is currently dominated by China. In addition to the technology, GeoMega is developing its 100%-owned Montviel Rare Earths elements/Niobium project in northern Quebec. The project covers 12,000 hectares and is accessible via a network of logging roads. Trading at 34 cents, GeoMega has a market cap of $17.1 million, based on 50.4 million shares outstanding. The 52-week range is $1.06 and 7.5 cents. Tags: INDUSTRIAL METALS & MINERALS Rate this article v Usefulness Clarity Credibility Log in required to rate this article. Interested in these industries and sectors? Receive investor kits and email updates from Stockhouse and directly from these companies. "Industrial Metals & Minerals" Select All None "Metals & Mining" Select All None Show Additional Sectors Agriculture Biotechnology Energy Fertilizer Gambling Gold Graphite Marijuana Potash SOLAR Technology Private Placement and Equity Crowd Funding Opportunities By choosing this option, I consent to receiving private equity information from InvestX I consent to receiving investment related electronic messages from Stockhouse and the companies selected. I may withdraw my consent at any time. Thank You You have been subscribed to receive updates from the following companies: