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Your resource for tourism in Zambia
|Home | About | Visas | Contact
Welcome to Zambia!
VisitZambia.info will eventually develop into a comprehensive resource for tourists to and within Zambia, and a place for Zambian tourism operators to market themselves to potential tourists. When this project launches, tourism operators will be divided into the following categories:
Visiting Zambia?
What are ordinary Zambians in the private sector, both inside Zambia and out, doing to support the "Visit Zambia 2005" campaign? There's a lot of talk out there, hot air being published in print and on-line, but where's the action? How do Zambian tourism operators get the "Visit Zambia" message out to tourists worldwide, enticing them to this beautiful country, not just in what is left of 2005, but in 2006, 2007, and beyond? For that matter, how do they get the message out to those who live here? The answer lies on the Internet.
Tourists and travel agents alike turn to the Web as their first source of information on a potential destination for themselves or their clients, and they use e-mail for fast, efficient and inexpensive communication to have their questions answered and their impressions confirmed. But how many tourism operators (owners of hotels, lodges, guest houses, restaurants, tour operators, travel agencies, etc.) use this tool to its maximum potential, or at all? The answer is, "Not enough."
There is apparently still a mystique surrounding "getting on the Internet", an impression that it costs tens of millions of kwacha and a degree in rocket science to set up a simple Web site. But it doesn't have to be that way. To be sure, there are many very bad Web sites out there, hosted on "free" services (if you, the tourism operator, don't mind subjecting potential clients to somebody else's banner and pop-up advertisements) and created by a friend's teenaged son or daughter for the cost of a night of all-you-can-eat pizza. These Web sites instantly turn off your potential clientele, who hit the back button on their Web browser and look for a Web site that presents a more professional image.
But VisitZambia.info is aiming to change that. A partnership between "The Lowdown" in Zambia and NinerNet Communications in Canada, the goal of VisitZambia.info is simple and clear: "Provide to Zambian tourism operators the means to market themselves, by harnessing the power and cost-efficiency of the Internet to take their message to tourists in Zambia and throughout the rest of the world."
The concept is also simple. NinerNet is developing a system whereby Zambian tourism operators can register their own domain (an important step in creating a professional image on the Internet) and then, using only their Web browser, create a template-driven Web site that has already been professionally designed; all it needs is the words and pictures that will make that Web site a unique "Internet brochure" that can be found and viewed quickly and easily by potential tourists, wherever they may be. Integral to these Web sites will be the ability to contact the tourism operators via e-mail (while protecting them from the scourge of "spam", masses of unsolicited bulk e-mail), so that the tourism operator has a chance to further demonstrate how welcome tourists are in Zambia and to conclude the deal.
What the tourism operator has here is a system that, essentially, allows you to conduct a sales presentation (possibly in another time zone while you are actually in bed sleeping) in the home of someone looking for a place to spend a holiday, and then gives you the opportunity to conclude the deal with the personal touch. On that last point, nobody is going to plonk down their credit card on-line simply based on your Web site; they are going to contact you via e-mail (through your Web site) to feel you out first, perhaps even pick up the phone to talk to you. These are highly qualified prospective visitors to Zambia.
Adding to your credibility will be the growing network of tourism operators that will be featured on the VisitZambia.info Web site, all of whom will link back to VisitZambia.info. This Web site is an integral part of the plan to promote Zambia. This is not a free-for-all page of links; it is a directory of tourism operators who have qualified themselves by being willing to invest in their marketing efforts. It is already linked to by a number of highly-trafficked Web sites related to Zambia, and it will continue to grow as more and more Zambian tourism operators realise the intrinsic value of using the Internet as a powerful, efficient, and cost-effective, international marketing tool.
Zambian Links


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As Solomon Lew bunkers down at 101 Collins Street to plot final manoeuvres in the bizarre Coles Myer boardroom brawl, his pristine, white motorised yacht yaws gently at its moorings in Victoria Harbour.
It is just the kind of day boat owners love. Brilliant sunshine, an easy breeze and fetching blue waters all the way to the bay.
On deck - way up on deck - a few crew members are swabbing the sides of Mr Lew's spectacular 45-metre ocean-going vessel, Texas, a super-yacht of the type rarely seen in Melbourne. Asked how long it might be in town, a crew member shrugs.
And well he might. Mr Lew's yacht has been arrested, in the terms of admiralty law, by the Federal Court.
At 4.35pm on Thursday Texas was apprehended by a Federal Court marshal for alleged non-payment of a $NZ 1.048 million ($A 930,000) debt, plus interest.
Mr Lew must be peeved indeed. Just days before he must summon all forces in his bid to retain a board seat at Coles Myer, he can't take a few hours out and tool around the bay with family and friends as planned.
That would be a great disappointment to his wife, Rosie, who supervised the extensive three-year rebuild of Texas by Sensation Yachts in Auckland.
Almost half the hull was rebuilt, the yacht was stretched five metres and the interior was remodelled. Antique mirrors from France were fitted to the ceilings, European marble was installed and an antique Chinese bureau stretches along an entire wall.
On interior surfaces, Sensation applied a gold-leaf base overlaid with luscious cream paint, specially designed to "crinkle" and expose veins of gold.
Sensation's owner, Ivan Erceg, says the detailing is exceptional. The 15-year-old Texas, which Mr Erceg claims was in such a condition three years ago that "a screwdriver could have been put through it", is now worth about $US19 million ($A33.7 million).
It was just a pity Mr Lew did not meet the last payment of the $NZ10 million refit bill, Mr Erceg said. It was also a pity that the circumstances of its transfer back to Australia were, in Mr Erceg's view, "mysterious".
Around midnight on August 28, just after Sensation had completed a two-month final audit of the rebuild and hours before Mr Erceg was to arrange final payment with Mr Lew's representatives, Texas motored quietly out of Auckland.
It travelled up the North Island, and next day the coast guard, asked by Sensation to search for it, logged it in international waters.
Texas sailed to Melbourne. A few weeks later Mr Erceg met Mr Lew on the deck of the yacht to discuss final payment.
Mr Lew told Mr Erceg he was not happy with an automated entryway for small boats; he wanted another shipyard to have a look, and final payment would be withheld until it was fixed.
Mr Erceg argued that any design faults were covered by a 12-month warranty, and that because the disputed work amounted to only $NZ 100,000, the Lew family should pay up.
"He has always said he was going to pay," Mr Erceg told The Age yesterday.
"Mr Lew is a very up-front sort of gentleman, and a handshake and a look in the eye is what we took it for."
Indeed, Mr Erceg is "sad that we have had to be pushed to the nth degree" over the bill because he thoroughly enjoyed working with Mrs Lew.
Despite glorious sailing weather this weekend, Texas is likely to remain moored at Victoria Harbour until Mr Lew's legal advisers lodge a bond with the Federal Court or overturn the arrest order. Mr Lew does not admit the debt and is threatening to sue Sensation, alleging defective work.
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Rupert Whiteley Photographer
Leah SirenModel Female Auburn, Massachusetts, US
My Website: FacebookMy MM URL: http://www.modelmayhem.com/6Siren
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About Me* currently looking for clothing designers for TF collaborations!
I'm an alternative model based in New England who has done some modeling on and off for many years now. I mainly do Horror, Gore, Steampunk, Pin Up, Art, and anything obscure. But I am up for mostly anything. BUT, I do not do nudes or anything I find perverted. Not that I have a problem with others doing it, its just not my thing.
I may look serious in most of my pictures but I try to make shoots as fun and relaxed as possible while keeping it professional. So you need a sense of humor to work with me.
Unless I know you personally I will most likely have an escort with me. Also, I am not here to flirt. So please keep the talk professional, or you will loose a chance to ever work with me.
Seeing as I have limited space to post photos on here, most to all of my photos are on my FB Siren page: http://www.facebook.com/?ref=hp#!/pages/Siren/168668279820438
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Copyright © 2017 HOMEDESIGN3D.COM All rights reserved


text:
Is anyone aware of a Flash version that will run in the 64-bit version of Internet Explorer 8? Flash says they do not have a version yet, but go get one from their beta site ... I have yet to find a version on their beta site. I have seen a few articles here and there on Microsoft, etc about deleting certain dll's etc to get the 32-bit version to work on 64-bit IE8... but none of them work.
Any clues anyone?


text:
i am looking for acvice on which fabric websites are good to order from.
any advice would be greatly appreciated.
Welcome to the Quilting Board!
i am looking for acvice on which fabric websites are good to order from.
any advice would be greatly appreciated.
I have had good luck with Flannelworld.com, Equilter.com, Thousands of Bolts and only one nut.com. and several others. I really haven't had any bad experiences. Maybe I've just been lucky.Originally Posted by luvmortherest
I've been happy with Connecting Threads for fabric as well as thread. I know several people who order from them all the time and are pleased.
I have used www.fabric.com for years and never had a problem. Connecting Threads is also really good.
I love Hancock's of Paducah. Good sales, always fast delivery.
I have ordered from Connecting Threads, Fabric.com and Thousands of Bolts serveral time and was pleased with each order.
I've had good service and excellent quality fabrics from Hancock's of Paducah, Over the Rainbow, Dakota Cabin Quilts, and the Missouri Star Quilt Company.
batiks.com. If you love batiks they have a wonderfil selection and the sales are pretty good


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Actor Headshot From Today's Shoot
A.J. Grossman III wrote:
h317 wrote:
Nice shot.
I am just learning and have a question. From the catch lights in her eyes, I think the beauty dish was placed on the subject's left high (not too high) position. You said you placed a reflector panel on her left side on the floor. Just wondering why you chose to place the reflector AND the main light on the same side. Or maybe I was wrong guessing the light positiion?
I probably was not clear enough in my description.
The main/key light is slightly above her eye level and to her left. There were two white reflector panels used. One was a large, self-standing panel immediately to her right and just out of the frame. In other words, it was quite close to her. The second was on the floor to capture any light that wanted to bounce off of the natural wood floor. The reflector on the floor did not do much at all, and I simply wanted to capture any light that wanted to bounce off of the floor.
Shooting someone with glasses offers some challenges due to the reflections that can appear on the glasses. I am not one who believes in removing the glass from the glasses, so I manipulate the lighting arrangement to accommodate for the glass.
I am one who believes strongly in removing the lenses from glasses worn by nearsighted people such as your subject.
The eye is the window of the soul -- Hiram Powers
The light of the body is the eye... -- Matthew 6:22 (KJV) (ellipses mine)
The eyes are very near the top of the list for what sells an actor. Negative lenses make the eyes look smaller, and that has connotations including emotional detachment, hostility, obsessiveness, stupidity, and narrow-mindedness. Nothing positive in Western culture.
I'm guessing she's about a -2 diopter. Take her lenses out, shoot her again, and watch the face open up.
Positive lenses make them look larger. I keep some stylish +2 and +3 glasses around for just such use. Large eyes connote attentiveness, emotional range and expressiveness, intelligence, they're made of win.
Rahon Klavanian 1912-2008.
Armenian genocide survivor, amazing cook, scrabble master, and loving grandmother. You will be missed.
Ciao! Joseph
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|Waffles with fruits by Coolinarka
from Food photography (desserts)
|Vestrahorn Frozen Reflection by Will B Milner
from Ice cold


text:
James Durbin: Stand Up! The Idols James Durbin is ready to Rock the House!
Interview from the The Fuel Room Libertyville, IL, USA - Sunday, January 29, 2012
By Anita Maree Brodersen
Photos by Anita Maree Brodersen
James Durbin is having some fun now. Rewinding to 2011, Santa Cruz native James Durbin was a finalist on season 10 of the widely popular television show, American Idol. After that he participated in the American Idol Tour with the finalists from that season. Then in November, he released his first rock album entitled Memories of a Beautiful Disaster and he is fiercely excited to hit the road and showcase his new songs. Durbin fans came out in droves to The Fuel Room in Libertyville, IL to check out his first live performance with his new band and they were pumped.
James Durbin with his band mates, Dylan Rosenberg on lead guitar, Blake Bunzel on guitar, Tyler Molinaro on bass, and Jeff Fabb on drums did not disappoint. Durbin took stage and the crowd went wild. He opened the night with his fans singing along and fist pumping to his rock-anthem hit Stand Up which led perfectly into his rocking All I Want and the night got heavier when he kicked it into high gear with Higher Than Heaven. Durbin told the crowd on several occasions how awesome it was to be playing in the bar scene. Getting close and personal with his fans seemed important as this was his first show promoting his new album. Other songs performed included Right Behind You, Screaming, his current release Love Me Bad, and the anti-bullying rocker Outcast.
If you have been starving for some new, exciting, and top-notch fresh rock-n-roll, James Durbin is your man! Dubin's vocal range is extensive and his live show and new songs will make you stand up and put your hands up!
For more information on all things James Durbin check out: www.Durbinrock.com or www.facebook.com/durbinrock
James Durbin speaks to Unrated Magazine in an exclusive interview before his performance
Anita Brodersen: James thanks for taking time out to meet. I know you tried out for season 8 of American Idol and you were cut. What did you do differently on season 10 that drove you to be a finalist?
Brodersen: What was it like on Idol when you walked on stage and saw Steven Tyler and Jennifer Lopez watching your every move? Did it make you nervous?
Brodersen: How will this show compare with your performances on Idol?
Brodersen: Right now, what are some of your favorite songs you will be performing tonight?
Brodersen: Speaking of your song Outcast, Mick Mars from Motley Crue helped write this song and he plays guitar on your album. How did this come about?
Brodersen: What bands have you been influenced by?
Brodersen Finally, what can your fans expect from you tonight and what are you plans for 2012?
Brodersen: Thanks James for sitting down and speaking with Unrated Magazine.


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Without much riding on Friday night's outcome, and neither team wanting to show much of what they have, Gallatin County gave visiting Henry County its first 31st District loss this season, 46-42.
Henry was perfect at 5-0 in district play leading up to Friday night and had already secured the top seed in the district tournament. Regardless who won, Henry would play Carroll County in the opening round, Gallatin would play Owen County, and the winners would meet in the championship.
With consecutive wins over Carroll County, Williamstown and Portland Christian last week, the Eminence boys' basketball team strung together another winning streak and its 10 wins this season is the most since 2006.
The Warriors beat Carroll (50-33) last Tuesday night, Williamstown (53-52) on Thursday and Portland Christian (67-59) on Friday to improve to 10-16 on the season. Eminence's 2005-06 squad was 14-13, which marked the last time EHS finished with a winning record.
It was made official on Thursday night in Henry County's 46-39 win over Gallatin County — the Wildcats will be the top seed in the 31st District tournament next month, closing the deal on what has been their top priority all season.
The Warriors' run in the 8th Region All "A" Classic tournament lasted until the final day, when the Eminence boys' basketball team lost to Gallatin County in the finals — lasting longer than most had thought.
Friday was a long night for the Henry County girls' basketball team at Trimble County High School as all three games — freshman, junior varsity and varsity — went into overtime and Ally Vaughn ended her junior season with a broken finger.
Trimble won the freshman game, Henry won the JV game and Trimble won the varsity game in three close calls that stretched out the night. The Ladycats lost 56-54 in varsity action.
"It was a very long night," Henry coach Todd Gilley said. "I will say our players battled the entire time."
With two more losses last week, the Eminence girls' basketball team is 1-18 on the season and is still searching for a win since beating Evangel Christian on Dec. 7.
The Warriors lost to Moore on Thursday, 70-27, and Carroll County on Saturday, 72-13, to stretch out their streak to 17 straight losses. They played Shelby County on Tuesday night, and close out the regular season with games against Spencer County, Portland Christian, Newport and Henry County.
Henry Baughman of Smithfield strolls into my office every once in a while, tells me about his most recent tennis tournament — undoubtedly another win — and oftentimes I write a brief about it for the paper. Sometimes I turn it into a story. But his most recent feat is more worthy than that.
Breaking news: Kentucky's new football alignment has added Spencer to Class 3A District Three, joining Henry, Central, LaRue and Elizabethtown. No, not Spencer County.
After sorting through nearly 50 applicants in a search for the new Henry County High School head football coach, the school announced Monday afternoon that Jason Spencer will take over the program.
Spencer becomes the fourth coach within the last year. Chris Engstrand resigned last January, Ray Graham was hired in February, Graham resigned in June, and Lyndon Johnson was named the head coach in July with a one-year agreement.
In what Chris Nethery describes as one of the focal points of the entire basketball season, Eminence beat Williamstown, 56-52, last Wednesday night to advance to the semifinals of the 8th Region All "A" Classic tournament.
It also gave the Warriors three straight wins — the first time that has happened in five seasons, dating back to February 2006. But moving on in the All "A" Classic, designed for the smallest 125 schools in Kentucky, was most important to Nethery.
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The Henry County Local is your source for local news, sports, events, and information in Eminence, KY and the surrounding area.


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There is no doubt about it - When it comes to the holidays, there is bound to be food, family, friends, cookies, and a bottle or two of good wine. Even if you and your family aren't planning on partaking in the consumption of said bottles of wine, a good bottle wine is always perfect for a last minute gift or even just an easy grab-and-go contribution to your neighbor's holiday party. That being said, we went around to some of Baltimore's well-known wine and spirits experts to get their recommendations on a few affordable wines that will wow people without putting too much of a dent in your wallet. In general, according to Tim Coburn of Beltway Fine Wine & Spirits in Towson, the $7-$11 red wine is popular around this time of year for office parties, Secret Santa gifts, and hosting. Red wines are generally the go-to as they go well with the colder temperatures. But that doesn't mean you can't splurge on what is considered "the norm." Chateau la BastideBlanc 2011 - Corbieres, France - $13.00 Although red wines are more popular during the winter, Mitchell Pressman, owner of Chesapeake Wine Company located in Canton, says that a wine that goes with variety of foods is key when it comes to holiday wines. "A blend of 50% Roussanne, Bourboulenc and Vermentino, this ripe, juicy-dry (think fresh peach), mouthwatering, refreshing white can stand up to a wide variety of holiday foods." Cloud Break ChardonnayCalifornia Barrel Fermented - $7.99 "If you are looking for a white, chardonnay is king," says Coburn. The Cloud Break Chardonnay is rich with flavors of toasted oak, vanilla, butter, apple, pear and hints of coconut. 100% malolactic fermentation is used to give it nice body and texture. Refined acidity and hints of green apple linger on the elegant finish. La Bastide Syrah '10 Vieille Vignes "Les Genets" - Vin de Pays d'Hauterive, France - $12.00 Benotto Nebbiolo '09 "Nebiul" - Monferrato, Italy - $17.00 When it comes to red wine, Pressman suggests two wines that both fall below the $20 a bottle range. "this is full of fragrant berry (La Bastide), spicy smells and flavors. Fruit from old vines planted in the right place usually brings more character and complexity to the wine. " In regards to the Benotto, Pressman explains that "Nebbiolo is the most illustrious grape of the region (Piedmont) - it is the grape of Barolo and Barbaresco, two of Italy's most famous and expensive wines."How is this version so affordable you ask? Pressman says this version "comes from a small plot of 90 year old vines planted near the town of Asti - a village not so well known for its Nebbiolo - which helps to explain how a wine so full of dark cherry/orange peel/mineral/meaty smells and flavors could be so inexpensive." Another remarkable value for only $17. KAMIAKBordeaux Blend '07 – Gordon Brothers - Cabernet, Merlot, Syrah blend – USA - $10.99 As reds, whites and blush wines are the more popular way to go in regards to your favorite vino, Coburn hints that blended reds are fast growing in popularity and are generally more affordable. This cabernet, merlot, syrah and malbec blend has big, dark, toasty tannins and plenty of ripe fruit. Meaty and rich, it shows plenty of power, along with some earthier notes. Adami Prosecco "Garbel" - Treviso, Italy - $17 When it comes to a more wallet-friendly way to ring in the new year, Pressman suggests a Prosecco straight from none other than the grape vines of Italy. "Prosecco (the name of the grape) is - or should be - full of fruit, frothy and fresh - just like this one from the Adami family, one of the best producers. It makes for a great ice-breaker to start off festivities, but also works great with much of the food on a holiday table." In addition to the recommendations from our local experts (Mitchell Pressman of Chesapeake Wine Company, and Tim Coburn of Beltway Fine Wine & Spirits) check out the suggestions from wine sommelier Gary Vaynerchuk's 12 Wines of Christmas.
Tags: Affordable Wines, Local Baltimore Wine, Saving Money, Wines on a budget, Chesapeake Wine Company, Beltway Fine Wine and Spirits, Inexpensive Entertaining
Budgeting and Bills | Ways to Save
This year, as families prepare for the 2012 holiday season and family traditions, we thought we'd start our own tradition here at 1st Mariner Bank. Last year, we featured our "5 Things We're Thankful For This Holiday Season" blog post in our November eNewsletter. This year, we'd like to officially make it a tradition by bringing you the "2nd Annual 5 Things We're Thankful for This Holiday Season."
We know – we said that last year. What can we say? You rock! Year after year, the people of the Baltimore community continue to blow us away with their sense of family and camaraderie. In good times and in bad, Baltimore continues to come together, proving that our park benches seem to know what they are talking about - Baltimore really is the "greatest city in America."
We're honored and privileged to have served you for the past 17 years and look forward to continuing to do so for many years to come.
We've said it before, we'll say it again. Without you, our customers, we'd be nothing. We'd like to take this time to thank all of our customers for your loyalty and support. Here at 1st Mariner, we consider our customers to be a part of our family and we're thrilled to hear that you feel the same.
Our online conversion process had some bumps in the road that we hadn't anticipated. We were overwhelmed by your patience and understanding as we continued and will continue to work together toward providing better services and a better bank for Baltimore.
We'd like to sincerely thank you for affording us the privilege and opportunity to serve you. There's no place like Baltimore and there's no customers like 1st Mariner customers. You are truly one of a kind.
As you may have noticed, Online Banking got a nice facelift this year as an early Christmas gift. We're thrilled about the new and enhanced online capabilities our customers can now take advantage of. From being able to pay bills using the 1st Mariner Bank App, to the new and improved Mariner360, we think it's safe to say that 1st Mariner's Online Banking is now playing with the pros of electronic banking.
We're honored to have Baltimore's favorite quarterback announce to the region that he proudly banks at 1st Mariner – but he doesn't stop there! Joe Flacco's dedication to his Baltimore-area fans is truly evident by his eagerness to team up with us for "Flacco Fridays," a series of weekly Facebook contests that will run through the end of the football season. For five straight weeks, Joe took the time to look through the questions that you submitted, choose his five weekly favorites, and compose thoughtful responses. By the end of week five, Joe was so overwhelmed with the great questions that had been submitted that he took it upon himself to go back and answer a few extra bonus questions. For our current contest series, Joe has given us permission to alter photos of him for a series of Photohunt-style contests. We are grateful for Joe's continuous support, and we can't wait to see what he will help us with next!
We've all had experiences with businesses and customer service departments where we're left feeling unimportant, annoyed, frustrated and that we've just been treated as a number instead of a valued customer and member of the community. While we may not be the biggest bank out there, we pride ourselves on knowing that we're small enough to be able to provide our customers with one-on-one, compassionate, personal service. Have an issue or a concern regarding your banking relationship with us? Pick up the phone and give us a call...if there is a hoop we can jump through for you, we will.
Here's to wishing you and your family another happy holiday season!
Happy Thanksgiving from 1st Mariner Bank! Video
How I'm Staying on Top of My Finances (and Not Becoming a Grinch) This Holiday Season
2011's 5 Things We're Thankful For This Holiday Season
Tags: 1st Mariner Bank, Baltimore Community Bank, First Mariner Bank, Thanksgiving 2012, Thankful For, Online Banking, Bank Customer Service, 1st Mariner Bank Customers, Flacco Fridays
Community Spotlight | Online/Mobile Banking
If you are like many young people, going off to college is the first time you begin to feel like an independent individual. Your parents and teachers have taught you all they can to prepare you for the "real world," and now it's up to you to decide whether or not you'd like to follow the advice and lessons you've learned over the years.
With no one around to scold you or tell you what to do, entering into your newly emancipated lifestyle, it can be tempting to make irresponsible financial decisions; the kinds of decisions that give you immediate gratification without thinking about the long-term effects.
Translation: Unless you want to end up grouped into one of these statistics one day, you probably should start getting yourself familiar with the equation of spending less than you're bringing in. Despite the above stats, oddly enough, personal finance can be fairly easy as long as you are prepared and start the process of saving, prioritizing, and budgeting as early as possible.
For years, I heard from my parents, "Needing and wanting are two very different things." As with most things, they were right. Just because it's new and shiny, that doesn't translate into you being unable to survive without it. Take a few deep breathes and prioritize what you really need to focus your financial efforts on this month. Books? Gas? Tuition? Food? You know, the life necessities when you are a college student. As much as that new COD game or designer outfit may seem like a necessity, you'll probably discover that you can do without it for awhile.
Repeat after me, "Excel spreadsheets and Personal Financial Management tools like Mariner360 are my friends." By visually seeing the amount of money you are bringing in versus the amount that is going out, the idea of expenses being less than your income will become a core value in your life. Trust me, once you realize how much a daily Starbucks visit will run you over the course of the month, you'll start to reevaluate and realize that making small, manageable adjustments to your everyday routine can have as much of an impact as the dent the latte puts on your wallet, but in a much more positive way.
Check out Mariner360, which helps aggregate your expenses and income into one user-friendly platform. You can then slice and dice the information, see trends and even set up alerts (i.e. I only want to spend $50 on dining out a month) that let you know when you are close to hitting your custom set budgets.
While credit cards are a great way to help you start establishing your credit, they also can be a great way to put you into thousands of dollars of debt. Credit card companies look at college students as fresh meat. They know that establishing credit is important for young adults and so they go to extremes to get you on board early. You'll see booths at every campus event, and they'll try to entice students by offering them incentives to open up a card such as free tickets to an upcoming sporting event, or a micro-fiber fleece with your school name on it.
Again, credit cards do help you start to establish credit, but make sure to refer to the "It's All about Self-Control" tip and pay off your card EVERY month. Use your credit card for only a few specific things such as gas or books. This way, you won't be overly tempted to put unnecessary purchases on your card and find yourself underwater at the end of the month.
If it can go wrong, it will. It's Murphy's Law. The earlier in life you learn this theory, the better. At the end of every month, set aside a few bucks for the "what if" scenarios that you never think, or more importantly WANT, to happen. The more you start getting in the habit of putting money into an emergency fund, the more at ease you will be in the event that you run into some troubles financially.
If you are one of the lucky ones that manage to fly below the radar of good ol' Murphy and his law, then you'll have a nice chunk of change to put towards something of importance like a down payment on a house, or that vacation you've been wanting to take.
Remember, at the end of the day, managing your finances is a fairly easy process. You don't need a financial advisor or an advanced degree in finance to establish a good foundation for managing your money. As with most things, simplicity and common sense goes a long way.
How I Graduated Debt-Free from College
I Just Graduated from College, Welcome to My Private Jet
Money in Your 30s: Manage It, Don't Be Managed by It
Tags: 1st Mariner Bank, First Mariner Bank, Budgeting tips for college students, College student money, Finance tips for college students, Mariner360, Student Debt, Money in College
Budgeting and Bills | College Years | Personal Finance & Banking
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Eveillard's First Eagle Seizes 45% of Pharamaceutical Company, Aradigm
Posted by: Dianne Tordillo (IP Logged)
Date: December 19, 2012 10:50AM
As of Dec. 18, investing Guru Jean-Marie Eveillard, along with his mutual fund firm, First Eagle Investment Management, has reported increasing the firm's stake in the pharmaceutical company, Aradigm Corp. (ARDM), by 173.61 percent, according to GuruFocus Real Time Picks.
First Eagle originally started with 38 million shares, upon presenting the stock as a new buy in 2009. But after buying more chunks of Aradigm this month, the firm stands with 114 million shares of the company, representing 45.36 percent of shares outstanding.
This is the second transaction made with Aradigm since acquiring the stock; the first transaction was made Dec. 11, with a purchase of about 3.6 million shares.
With a market capitalization of $25.5 million, Aradigm is focused on the development and commercialization of drugs delivered by inhalation of the treatment of severe respiratory diseases, such as bronchiectasis, cystic fibrosis, anthrax infections and smoking cessation.
One day after First Eagle's first transaction, Aradigm announced a private placement for $6 million, targeting two existing shareholders, First Eagle being one of them. Aradigm set out to sell 50 million of its shares of common stock, at $0.12 per share.
Proceeds from the placement will be used to further the development of the medicine, ciprofloxacin, an antibiotic used to treat different types of bacterial infections, frequently experienced by cystic fibrosis patients.
Aradigm president and CEO, Igor Gonda, stated in a press release, "We are very pleased for the support demonstrated by our shareholders in this private placement. These proceeds will enable us to further our product development and formation of partnerships for commercialization."
In Aradigm's third quarter, the company reported lower total operating expenses due to lower clinical costs for its ciprofloxacin program. Its total revenue amounted to $0.3 million, compared to year-over-year data of $0.2 million.
By the end of the quarter, the company had cash, equivalents and short-term investments that totaled $4.1 million.
Eveillard is the only Guru who has holding of Aradigm's stock, which is down about 6.25 percent in this morning's trading. Currently, Aradigm is priced at $0.12 per share.
It has a P/E (ttm) ratio of 0.4 and a P/S ratio of 29.2, which is close to its three-year high.
To view his latest trades, visit Jean-Marie Eveillard's Stock Picks. Also view his undervalued stocks, high-yield companies and top growth stocks.
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Guru Discussed: Jean-Marie Eveillard: Current Portfolio, Stock Picks
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Police have this morning confirmed the body of a woman found inside the crashed car of Kelly Ann Sinclair is that of the missing 25-year-old Waihi Beach woman.
This week police expressed serious concern for the welfare of Miss Sinclair after she failed to show at a friend's house late on Sunday night.
She was last seen at a Katikati house before leaving to see a friend in Mount Maunganui.
Yesterday, her crashed car was found down a bank off State Highway 2 near Whakamarama.
Police have just release a statement confirming the body of the woman found inside is that of Miss Sinclair.
"A serious crash investigation is underway to establish the cause and when it happened. Initial investigation indicate the vehicle was heading away from Tauranga towards Katikati when it crossed the centre line and left the road," it said.
Anyone with information or who might have seen Miss Sinclair's blue 1997 Audi between Sunday and Wednesday should contact police - 07 577 4300.
For more articles from this region, go to Bay of Plenty Times


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Glee star Lea Michele nabs the striking black and white cover of Flare's January issue and ET Canada has your exclusive first look!
Having been a Broadway veteran at a very young age, it's no surprise that Ryan Murphy decided to give Lea's Glee alter-ego Rachel Barry a storyline of her own in the big apple. It's a win-win for the actress as she speaks out on her character's liberation from not only small town Ohio, but also her dorky schoolgirl outfits. "I think the days of knee-high socks are definitely done,"; Lea tells the magazine.
Rachel's new look is more sophisticated, fashion forward and body conscious "her clothes are closer now to what I would wear,"; the 26-year-old says elaborating further, "; It's really nice to see her in a different light and it makes sense that she would move to NY and transition.";
The amazing part of Rachel's on screen makeover? It was done by none other than New York style icon Sarah Jessica Parker, who played the infamous fashion lover Carrie Bradshaw in Sex And The City. In the new season of Glee, Sarah plays an editor of a fashion magazine where Rachel's old classmate/new New York room-mate Kurt, played by Chris Colfer, has landed an internship.
"It was amazing,"; the New York native marvels "to have a makeover done by the Miss Carrie Bradshaw.";
Speaking of style, with flawless skin, and caterpillar thick lashes it's easy to see why L'Oreal would choose Lea as one of their newest spokeswomen. Lea who's very style conscious tells the magazine that she's a favourite of going au natural in the makeup department. "I really feel like I'm the only girl who will do a photo shoot and want to take all the hair and makeup off,"; she says, "I like to let my skin breathe.";
Taking a moment to gush about real life boyfriend Cory Monteith, Lea also has some heartfelt things to say about his home country, Canada. "Canadian stereotypes?…I don't know what they are, but Canada makes some great dudes, and he's definitely one of them."; And Lea's well aware of the benefits of dating a Canadian, first and foremost being able to visit our beautiful country. "It's great, I've gotten to go to Victoria and Vancouver a lot – it's so beautiful.";
For more on Lea Michele's style evolution check out the rest of her article in Flare magazine, hitting newsstands November 29!


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Potential SNAP cuts affects Second Harvest Food Bank
GRAY, Tenn. - Thursday the House of Representatives voted to cut $39 billion from the Supplemental Nutrition Assistance Program also known as SNAP or food stamps.
If the bill goes into affect hundreds of families in Northeast Tennessee could be forced to go hungry.
And that raises a lot of concern for the Northeast Tennessee Second Harvest Food Bank.
"We are going to really have to close the gap, meet those needs were cuts will affect families that want have those snap benefits any longer. And what that mean's is we've got to find additional food and we are already struggling to meet the growing demand," said Rhonda Chaffin.
News 5 did some digging and found that SNAP provides its participants with $4.15t worth of food assistance per day.
We also discovered that in June 1 in 4 households in Tennessee received snap benefits according to the USDA.
Rhonda Chaffin, the executive director of the Second Harvest Food Bank, said last week that reality become personal for her when participated in the SNAP Challenge during Hunger Action Month.
"I had a very difficult time making ends meet wasn't able to purchase fresh vegetable, the very basic of bread, eggs and milk. It was very difficult to have the proper nutritious someone needs to survive," said Chaffin.
All of the food in the Second Harvest Food Bank warehouse in Gray, serves more than 38,000 people right here in northeast Tennessee.
The food bank provides food for more than 200 food assistance agencies in the area.
And with that demand, Chaffin worries that the SNAP cuts could make serving people in need harder than ever.
"We need to continue to let our federal legislatures know that this is unacceptable and that we cannot have these cuts," said Chaffin.
We did some checking and found that both 1st district Tennessee representative Phil Roe and 9th district Virginia representitave Morgan Griffith voted in favor of the cuts.


text: You and your friends have been summoned to meet investigators at the abandoned morgue for questioning. Upon your arrival you notice there are no signs of the investigators, only a mysterious lady dressed as a child. She lured you into her trap!!!!! You have 60 minutes to escape or become part of her collection.