text:
The following paper will explain just how annuities impact TVM (Time worth of Money) issues and explore outcomes. Beginning with annuities, it stumbled on light that annuities perform best whenever based on durability because the main investment is divided and distributed within the term associated with annuity.
An annuity is a number of regular periodic payments comprising principal and interest. In the case of pension, an annuity is generally purchased from an insurance coverage organization whom then pays the buyer a monthly quantity while still alive. Annuities may have harder features like indexing, guarantee times and advantages payable to a spouse or other beneficiary after demise. (Representatives, 2006)
Annuities are accustomed to preserve a cash investment and there are many forms of annuities which include CD, fixed, equity, and instant. (Annuity Advantage, 2006) Since annuities tend to be a safe place to hold money they feature a lesser return than some of the more risky investment avenues like shares. When a person acquisitions an annuity, they generally spend a lump sum to an insurer. The insurer then takes this (advanced) and divides by an annuity aspect based on death, present rates of interest and repayment features.
In this instance the attention could be the quantity paid toward person because of the insurance company for the privilege of using the patient's money. Interest is generally computed as a share associated with main balance associated with loan, and protection arises from the attention price becoming fixed. Regular cost savings reports have a variable interest rate. However, a savings account compounds the attention and annuities try not to. Compounded interest is interest this is certainly paid on both main balance associated with loan as well as on any accrued interest.
When examining annuities when compared with standard shares it is essential to comprehend the current value of the repayment received and future value of the investment. Today's value of another repayment is computed by initially deciding what number of years before the repayment is received, and then making use of the interest rate to determine just how much you will be paid on the money if you spent it from today before the future repayment is received. That quantity is deducted from principal.
So, let's imagine which you inherited $100,000 and had the decision of obtaining all money today, or all money in 3 years. Ignoring the obvious that you would want your hard earned money today, let's go through the current value of the future repayment received. When we take the first alternative and spend it for 3 years, at mortgage of 5percent, following the first year the $100,000 could be really worth $105,000. After the 2nd year you'll have $110,250 and at the end of the 3rd year you'll have $115,762.50. So working the numbers backwards, if you waited 3 years for the $100,000 it will be just like getting $84,237.50 today. Therefore the difference between 3 years is huge, and knowing this if your wanting to enter into some dough is a large benefit. We hear more and more people say when they won the lottery they would take the 20 year repayment program, and thus numerous others say which they would take the lump sum. By viewing it because of the situation described above its much easier to make an educated choice about your money.
Today since we only spent the $100,000 for 3 years at 5percent we may wonder if this investment ended up being our smartest choice. Opportunity price could be the value of best alternative use of a reference (BioSociety, 2006); in this situation best alternative use of our $100,000. This basically implies, just how much could and would we have made whenever we had not spent the $100,000 just how we performed which we realize offered united states $X in exchange.
Considering a three-year term we may made more income by investing in an annuity, but if it had been a three-year term the annuity would expire in 3 years therefore we would have to cope with the $100,000 once again whenever we had not invested it. If the annuity paid united states 36 payments along with things becoming equal, we'd have reeled in 36 payments of approximately $3,216. That quantity could be pretty very easy to spend and at the end of 3 years we might have absolutely nothing. Whereas the $100,000 within other investment (wherever we place it earning the 5percent) would remain there in 3 years. Endurance plays a huge role in the way we spend, and I imagine in the event that medical practitioner offered you 3 years to call home it could be more straightforward to go with the annuity.
So let's imagine that i do want to retire in twenty years therefore we desire to use the $100,000 as my pension investment. We would wish to see in the event that $100,000 could be sufficient once we retire plus one solution to figure our sum is to try using the rule of 72. The rule of 72 states that to find the period of time necessary to double your hard earned money at certain interest rate; you merely separate the attention price into 72 (MoneyChimp, 2006). For instance, if you wish to understand how lengthy it may need to double your hard earned money at eight percent interest, divide 8 into 72 and acquire 9 years. The rule of 72 is an approximation, but pretty accurate. So making use of our 5percent interest rate from above we could figure out that in 14.4 years the $100,000 will double. When we believe we could ensure it is on more than $200,000 once we retire in twenty years from today then this is an excellent route. Individually i do believe it will be best to find mortgage that could double the money in decade or less, and then take the whole quantity and double it once again in 10 to 14 years. I would follow an aggressive investment strategy today with things tapering toward a more conventional strategy when I near pension.
Annuities are more of a cash administration device (I think) and less of a good investment. Concentrating on the full time value of money it just makes more feeling to spend money because of the goal of growing without dropping the principal.
Find out about spending as you enjoy a cup the worlds most readily useful coffee found at The Augusta Roasting business www.WeGetRoasted.com
Representatives, Fiscal (2006). Fiscal Agents Financial Glossary. Retrieved 04/29/06, from Fiscal Agents Financial solutions Group internet site: http://www.fiscalagents.com/newsletter/gloss/Glossary/a.shtml
Annuity Positive Aspect, (2006). Annuity Positive Aspect. Retrieved 04/29/2006, from Research and Compare over 300 Fixed and CD-Type Annuities Ranked by Highest Yield to Surrender internet site: http://www.annuityadvantage.com/
BioSociety, B (2006). Bio-Glossary. Retrieved 04/29/06, from BioSociety Research on-line internet site: http://europa.eu.int/comm/research/biosociety/library/glossarylist_en.cfm?Init=O
CashChimp, M (2006). Cash Chimp. Retrieved 04/29/2006, from Rule of 72 internet site: http://www.moneychimp.com/features/rule72.htm


text:
Navigation System
Navigation System
Patience. 5.6 is on the way.
Took delivery of my S85 on September 10th with v5.0. Had been emailing with email@example.com about my GPS issues and was pushed v5.6 (1.45.32) last week and the issues seem to have gone away...No spinning Nav marker or being placed on wrong streets (or the middle of a lake) since.
I was contacted by email that they are working on this fix and would let me know when they have it solved. I took delivery on October 19. How were you able to get the software upgrade?
I took delivery of my 60 on September 4th. Nav problems from day one.
I had my car in for service on Oct 3rd and they replaced replaced my MCU, Media Control Unit. No more Nav problems since then.
The valet brought me a P85 which I had for a few days while they fixed the GPS and one other issue. Great service!
I meant to say I got my car on September 19 not October19. Tesla sent me an email saying they would contact me when the fix was available. Have not heard from them as of yet. It seems that some of you are getting this issue repaired. I will wait a little longer to see if they initiate the fix, but it is annoying to see the screen spin and the car so far off track.

subset: commoncrawl


text:
Gift For Gab: Your Best Comments For The Week Of April 17th 2009
We here at The Frisky live for celeb gossip, chocolate, and your comments. What can we say, you bitches crack us up! So in honor of you, our smart, sexy, and incisive readers, who aren't afraid to talk smack on the Internet, we're giving away prizes! Each week we'll award you an awesome internet chatty Cathy's a little something special. This week five winners will receive three TweeCards. So, without further adieu, here are the lucky winners of this week's Gift For Gab…The Creative Thinker
Arty in Sperm Have To Be Turned On To Fertilize An Egg
This could actually be useful if they could figure out a way to get sperm to turn "off"–then we might have another birth control option.
A "Weeds" Watcher
40yrolddad in Breakin': Britney Disses Weed. Other Celebs Weigh In On The Chronic.
there's a scene in one of the early episodes of Weeds where a customer tells Nancy that "stuff hasn't moved this fast since the premier of Passion of the Christ" to which Nancy laments "people saw Passion stoned? that's twisted" to which the kid replies "not nearly as twisted as seeing it NOT stoned!".
I suspect the same principle applies here…
personally I'd be terrified to see Britney stoned – laughing that hard's got to release enough dopamine to be equivalent to a meth OD…
The Revenge Poet
Naneenya in Dish The Dirt On Your Ex
Dirty, lying, cheat.
I feel sorry for the girl -
Happy Father's Day!
Sees the Similarities
Sofjna in What's The Difference Between Having A Sugar Daddy & Prostitution?
People are always quick to criticize sugarbabies (I keep thinking of that damn candy), but what about housewives who do nothing but spend their husbands' money on facials and new clothes while doing nothing else? Same concept. Except they have a little piece of paper to make it legal, and therefor better. At least sugarbabies aren't trying to convinvce themselves they're better, or living under false pretenses.
Game Spotter
fallenangel915 in Cassie Shaves Half Her Head And The 11 Craziest Celeb Hair Makeovers
Annnnnnnnnnnnnnnyyyyyyyyyyyyything for attention! I guess effin' Puffy didn't do the trick, huh, Cass?
Congratulations to this week's winners! Next week, we'll be giving away Garbage Land by Elizabeth Royte to five lucky readers. Good luck and keep on commentin'!


text:
Potomac, MD - Schulte Marketing & PR, Inc announced that is has been retained by Military Order of the Purple Heart Service Foundation, the non-profit fundraising arm of Military Order of the Purple Heart, to spearhead: new business initiatives, marketing, brand identity, public relations, corporate partnerships and assistance with social media promotional efforts.
"Schulte Marketing & PR is extremely honored to have been retained by Military Order of the Purple Heart service Foundation." said Ray Schulte President CEO Schulte Marketing & PR. "We look forward to working with and supporting the fundraising arm of the oldest and most prestigious military award created by George Washington in 1782."
The Purple Heart is awarded to members of the US armed services who have been wounded by an instrument of war by the hands of the enemy or killed in action or die as a result of wounds received in action.
Based in Annandale, VA, Military Order of the Purple Heart Service Foundation was founded to provide support for veterans and their families through grants, outreach programs and donations to organizations whose programs help veterans.
For more information concerning Military Order of the Purple Heart Service Foundation visit www.purpleheartfoundation.org or contact Ray Schulte at email@example.com.


text:
I broke up with a guy about 2 on months ago and we didn't talk to each other the whole time. The break up wasn't bad but it was good either. He was still in love with his ex and I didn't want to be his sex buddy (we had been together for 4 months). In the end I told him how much he hurt me and he apologized and said that he needed time to himself to get over her.
I was going threw my phone last week and I saw his name in my contacts. I decided to text and say hello. I don't want him back, not in his current state, but I don't like these Idea of enemies so I figured I would extend an olive branch.
He didn't respond and I was okay with that. I didn't want him to think that I was going to stalk him and call all hours of the day so a few days later I texted him and said that I didn't want to start anything and that I just wanted to say hello but he chose not to and that's fine.
He texted back immediately and said that he "Just was sure if he should." I told him that I wasn't mad at him and we talk for a few minutes and that was it. We didn't talk about anything to serious and end the end I told a little joke and he texted back a smiley face.
My question is, why would he feel that he could not talk to me? I have my theory on this but I want to get other's opinion. I'm not a mean woman, I'm not going to tell him off or anything and he knows that. Like I said, I don't want him back, I just wanted to say hello.
Most Helpful Guy
Some guys have a hard time being platonic friends with women (especially women that they've dated previously), so maybe he's just hesitant to have you in his life at all as a friend/former girlfriend. For more on this, watch "When Harry Met Sally," "Friends with Benefits," or one of the other million movies on this topic.
He also told you that he was "still in love with his ex." Is he with that woman currently? If so, that could complicate things. Maybe he (or the other woman) doesn't want you around because that could interfere with his attempts to make the new relationship work.
Personally, I'm not really good friends with any of my exes, but I've maintained cordial relationships with some of them. It's nice to stay connected to people who felt close to and who helped shape you into the person you are today, but you will inevitably lose contact with some of your exes. It's not the end of the world.
I recommend that you don't sweat this dude.00|01|0


text:
We help you locate a Coldstream keyboard teacher. Keyboard tuition are a brilliant way to learn an entertaining new hobby, pick up a new talent and attain confidence in keyboard. Try our site to search for Coldstream keyboard tutors and select which matches your needs so you can begin your keyboard lessons in Coldstream today!
This is the only place to contact Coldstream keyboard teachers in the UK, helping you discover Coldstream keyboard lessons in your area and Coldstream tutors to help with any instrument such as piano, violin or guitar. We can help you find Coldstream keyboard tuition or a one-to-one Coldstream keyboard teacher to prepare for keyboard exams and develop your keyboard skills! We order Coldstream keyboard tutors near you by their lesson charges and proximity to you.
If you are a keyboard teacher and would like to offer your keyboard lessons in Coldstream or anywhere else across the UK, please register with First Tutors: Music or find out more about us here. Becoming a Coldstream keyboard teacher is a great way to improve your own skills through providing keyboard lessons while assisting others, all in your local Coldstream area!


text:
Product Spotlight
Featured Research
Quick Stats
You are here
Diamond Foods to Grow Microwavable Popcorn
Nut giant looks to expand reach into consumers' snacking habit.
SAN FRANCISCO -- Once solely the marketer of nuts packaged for home cooking, the marketer of Emerald brand snack nuts is looking to crack into the microwavable popcorn market in a big way, according to a report in Investor's Business Daily.
Chief Executive Michael Mendes, who oversaw Diamond's 2004 move into the snack nut category by appealing to younger consumers with new flavors and packaging, told the newspaper he plans to do the same with the newly acquired Pop Secret microwavable popcorn business.
"We want to use a similar strategy in terms of bringing new packaging and new flavors and effective consumer advertising," he said.
Diamond acquired the Pop Secret popcorn business from General Mills last month for $190 million. Pop Secret is the No. 2 microwave popcorn brand, with a 25 percent share in U.S. grocery stores.
"The microwave popcorn market has been pretty stagnant over the past few years, with little money spent on marketing," according to analyst Mark Argento of Craig-Hallum Capital Group. "There's a big opportunity to re-grow the category with some marketing dollars and product improvement."
The snack nut category was also stagnant when Diamond entered the market, Mendes said, adding it was seen as a packaged commodity.
Diamond launched Emerald with a resealable lid that made the product more portable and ergonomically correct than the glass and metal jars used in the past, the newspaper noted. It also added new flavors, including cashews with sea salt and pepper, and cocoa roast almonds, which debuted nationwide in September. In addition, it invested heavily in marketing the brand, including three years of Super Bowl spots.
Mendes is wasting no time pumping up Popcorn Secret with a marketing program. Diamond will soon air national TV ads for the brand, according to Investor's Business Daily.
Mendes would not disclose details on ad spending for Pop Secret. But the company forecast total advertising spending this fiscal year of $26 million to $29 million.
In the report, Argento estimated Diamond will invest $10 million to $15 million back into the Pop Secret brand for the first year, through marketing and other efforts.
"They're taking a brand orphaned by General Mills and spending a lot of money marketing it and trying to get the category growing fairly nicely," he said.
Diamond expects the acquired business to add annual sales of $85 million to $90 million. That translates into $74 million to $83 million for the 10 and a half months Pop Secret is in the mix for fiscal 2009.
Argento sees an opportunity for Diamond to double Pop Secret's sales over the next few years. The analyst expects the buy to buoy margins. "The incremental margins are pretty significant on popcorn," he said.
The company expects Pop Secret to add "modestly" to earnings in the first fiscal year after accounting for marketing support and financing costs.
Diamond will integrate the buy into its business and research what consumers value, he says. Then it will try to develop new products that deliver the value consumers are looking for.
Buying a popcorn business was a good fit for Diamond, Mendes said. For one, popcorn is sold in the snack aisle, and in many cases sits on the shelf next to the snack nuts. Plus, the same retail buyer who manages snack nuts often oversees popcorn buying. Also, popcorn, like nuts, has a long shelf life and doesn't need to be refrigerated.
Mendes forecast this year's total snack business sales—snack nuts and Pop Secret—at $175 million to $185 million.


text:
These Visio stencils (US and metric units) contain all the shapes and symbols you require for creating your electronic
circuit diagrams in Visio. Below are some sample shapes for you to download and try out.
Most of the shapes have custom properties for manufacturer data, part numbers etc. so that you can create BOM (bill of materials), parts lists
and inventories using the standard Visio report tools.
Push buttons, relay contacts and switches have an action on their right-click menu to swap between open and closed contacts
(and the switch moves - you can use this to animate the switches), and all diodes have a menu to select black or white fill. The stencil
"automotive devices" is included in both the electrical and the electronics stencil sets.
All shapes have connection points at suitable locations. Use the standard Visio connector tool
or any connector from the connectors stencils to join the shapes.
If these are not the shapes you want then maybe you want Electrical shapes.
Electronics for Visio
You will receive an instant download link to the zip and msi installer file (size approx.
containing the
1266 different shapes in
74 stencils. Just download and run the installer file to add the templates and stencils to Visio or unzip the zip file into your My Shapes folder.
Buy Electronics for Visio for US$20.00
Save money with a bundle:
Buy Electronics + Electrical for Visio for US$32.00 (would be US$40.00 without discount)
Buy Electronics + Electronics Packages for Visio for US$32.00 (would be US$40.00 without discount)
Buy Electronics + Electrical + Electronics Packages for Visio for US$42.00 (would be US$60.00 without discount)
Buy Electronics Megapack for Visio for US$84.00 (would be US$140.00 without discount)
Please use these buy links for site licences, then use the Additional Offers options to create any discount bundle you require.
All commercial and educational/academic site licences come with free updates for 3 years.
Commercial Site Licence
Buy Electronics for Visio Commercial Site Pack for US$600.00
Educational/Academic Site Licence
Buy Electronics for Visio Educational/Academic Site Pack for US$300.00


text:
This old Chicago home was hit by a big tree branch that fell due to severe winds. We will make this damaged masonry pretty again! Special care is needed to match the properties and color of the mortar and to … Continue reading
Tag Archives: Restoration
It is time to make this beautiful brick work look new again. Tender loving care is needed here. … Continue reading


text:
Pizza Van Hire Kilkeel
Looking for a Pizza Van to hire in Kilkeel? Browse our listings to view the finest Kilkeel Pizza Vans
1 Pizza Caterers near Kilkeel
Get Quotes from pizza caterers near Kilkeel
Fill out our simple form and receive personalised quotes from Kilkeel pizza caterers.
- 100% free service
- Quick and simple process
- Reach the whole industry
- Only hear from available suppliers
1. Get Introduced
Submit a single request and receive personalised quotes from a range of suppliers in your local area.
2. Compare Suppliers
View an estimate, personal message, reviews and business profile of each company that gets in touch.
3. Hire the Best
Call or message your favourite suppliers and once you're ready simply hire the best match for your event.
We have 1 pizza caterers near Kilkeel
Contact them all with a single request


text:
found a new home!
Plenty of my friends are looking
for one too. Find a pet to adopt.
I am already neutered, housetrained, up to date with shots, good with kids, good with dogs, and good with cats.
This hunk will have you in a trance with his derp face! Meatball came to us from the overcrowded Chicago Animal Care and Control. A foster saved his life because he still has so much love to give. He is cat and dog friendly, loves car rides and french fries, and is ready to meet you! Check back soon for even more information on Meatball as he settles into his foster home.
Who wouldn't want this meatball sandwich in your life?! Visit www.peaceforpits.org and fill out an application to meet him today.
Meatball, a Villa Park Staffordshire Bull Terrier/Pit Bull Terrier dog was adopted! Here's how you can benefit by looking at adoption as an option to buying a Staffordshire Bull Terrier/Pit Bull Terrier for sale in Villa Park, or seeking a Staffordshire Bull Terrier/Pit Bull Terrier dog from a breeder in Villa Park.


text:
Right Front Fender Flare; 87-95 Jeep Wrangler YJ
This replacement front fender flare from Rugged Ridge fits 87-95 Jeep Wrangler (YJ). Right side only.
Was: $29.99
Sale: $23.99
Save: 20%
Save: $6.00
Rugged Ridge has you covered when it's time to replace your factory fender flares. Each flare is constructed of virtually indestructible, hard-wearing, UV-treated thermoplastic to provide years of service and restore your OE look. Each replacement flare is designed to fit into your factory mounting hole (if factory hardware is rusted, some hole modification may be needed). Just need to replace one flare? No problem. Rugged Ridge offers individual replacements to keep your investment to a minimum. This replacement front fender flare fits right side only.
- 11602.04
- 11602.04
- 804314132361
- Rugged Ridge
- New
Shipping Information
- Item Requires Shipping
- 5.8 lbs.
- W4.0000" x H3.0000" x L46.0000"
Customer Reviews
Total Reviews (0)
Write the First Review!
You must login to post a review.


text:
Fairground Workers Deny Manslaughter Of Schoolgirl
Two fairground workers have pleaded not guilty to charges they face over the death of a school girl on a bouncy castle in Essex.
Peterborough City Council has confirmed that safety barriers will be installed at Whittlesey North Bank, where there have been two recent fatal crashes, on Monday.
The decision was confirmed at a meeting held last night between officers from Peterborough City Council and Cambridgeshire County Council, and representatives from Fenland Road Safety Campaign.
The meeting was held to discuss and review safety issues on the road.
18 year old Hannah Yates from Whittlesey died when her car veered into the River Nene, which runs alongside the road, on the evening of Sunday 3 November.
The body of 50 year old Keith Pettit, from Corby, was then found in a car submerged in water on Monday 2 December.
Several other cars and vans have also recently skidded off the road and into the water.
Tests were then carried out on the river bank next to the road between Peterborough and Whittlesey this week to see if the ground could support a crash barrier.
The tests were successful, and the works have also been agreed with the Environment Agency.
It is expected the barrier will take all week to install and the North Bank Road will be closed from 9.30am on Monday.
The barrier will be around 250 metres long and will cost in the region of £50,000.
This will be paid for in full by Peterborough City Council.
Simon Machen, Director of Growth and Regeneration at Peterborough City Council who chaired the meeting, said: "We want to install the barrier as soon as possible.
Following our initial discussions with contractors it was agreed at last night's meeting that work would begin on Monday.
We're hoping to have a good run of weather to allow us to get the installation completed as quickly as possible and we anticipate the barrier will be in place on the bend by the end of next week.
We will investigate installing red reflective road studs and other appropriate measures around the bend and provide if we can in the summer. "
The feasibility of additional safety measures on the North Bank Road was discussed and this will be investigated by both the city council and the Fenland Road Safety Campaign.
We will continue to work closely with the Fenland Road Safety Campaign group and monitor the impact of the measures we have introduced.
We understand this was an emotive issue for many of the attendees at last night's meeting and we would like to thank all parties for their attendance and input into discussions."
Peterborough City Council has confirmed a 40 mile an hour speed limit on the North Bank road will continue to remain in place for the foreseeable future.
Vehicle activated safety signs along the road are being recalibrated to take into account the new speed restriction, with consideration to any permanent restrictions subject to support from Cambridgeshire Police.
Two fairground workers have pleaded not guilty to charges they face over the death of a school girl on a bouncy castle in Essex.
It's hoped passenger trains will be running on the Ely to Peterborough line again by Monday.
Passenger Services To Be Disrupted For Days
Arrests of children in Cambridgeshire and Peterborough have fallen by 71% in six years.
1pm - 4pm
Text 'HEART' to 82122
Justin Timberlake Can't Stop The Feeling
Whitney Houston How Will I Know
Ed Sheeran Shape Of You
Ne-Yo Closer
Now playing: The best feel good music
Deposit £10 to get a £40 Welcome Bonus - That's £50 to play bingo, slots and more!*
Over 50 tracks to make you feel-good. New album out now...
Find your local four day weather report here.
What's happening on the roads where you are?
Make Heart the soundtrack to your day and you could be a winner with great prizes up for grabs throughout the day.
Find out more about some of the companies advertising on Heart.
Get some great ideas on how to advertise your business on radio, online and on mobile.


text:
An intelligent, business-like brand name
Centegic is an adjective-style name (e.g. "their approach is very centegic"), which is an effective and highly contemporary style of business name. The Cent prefix comes from the word centre or central, and the -egic ending is taken from the word strategic. So Centegic can be taken to mean 'central strategy' - a universally positive reference for any professional organisation. A smart business name with more than a hint of cleverness.
KEYWORDS | C | centre | center | central | cent | strategic | strategy | marketing | comms | communications | communication | science | scientific | technology


text:
Jazz Is The Moment
"Jazz is about being in the moment"Herbie Hancock
If jazz is all about being in the moment, but all our practice time is dedicated to figuring out what we want to play when we perform, then how are we supposed to be in the moment when we perform?
There's this strange dichotomy…
On one side, jazz improvisation is very rehearsed. And on the other, it's very spontaneous. In between these two sides is a ginormous gray area. It's this gray area in the middle where people get lost.
Trust the process
Jazz is about being in the moment. Like Herbie says, it's not about playing what you've practiced, it's about here. Now. This moment. That's what jazz is.
But, why are our efforts in the practice room so thought out, so calculated, so uninspired, when we're trying to achieve something on stage that sounds as though it were created in the moment?
It seems counter-intuitive: rehearse concepts and language over and over with the goal of improvising in the moment when you perform. Because this sounds so counter-intuitive, most people do not practice this way. They assume that because they are trying to conjure up a purely improvised performance, they should practice this way as well.
This could not be further from the truth. The process of achieving successful results in jazz improvisation is thought-out, repetitive, and slow. As you will read later, there are infinite ways to instill plenty of creativity and spontaneity into this seemingly dry process, which will help better prepare you for the pure improvisatory state of playing the moment.
Trust the process.
Be over-prepared and let go
To be in the moment and play the moment so to speak, you must be over-prepared. This means knowing all the material you're going to perform inside and out.
Your goal is not to be mediocre.
To be better than mediocre, you not only need to be prepared, you need to be over-prepared. If you are over-prepared, the creative genius inside you will have the opportunity to arise in the very moment of performance.
What does it mean to be over-prepared? It means you're uber confident with the material you're performing. You know and can sing all the melodies. All the chord progressions make logical sense to you and you've applied language to them. You've worked on any "high-maintenance" areas of the tunes, giving them the special attention they deserve so you're fluid on these more difficult sections.
And you've made a personal connection to what you're performing. Frequently we forget about this subtle yet important step. To actually connect to and enjoy what we're playing, thereby allowing it to be a vehicle for our own personal expression. Yes, you should actually like the tunes you're performing and you should work diligently to develop this connection with each piece you're performing. The audience can always tell if you're into it.
To play the moment, not only do you have to be over-prepared, you need to let go, allowing the present moment to affect what happens.
To let go, you have to be willing to fall flat on your face. In fact, that's the reason you don't let go: because you're afraid of screwing up. In a recent interview with Keith Jarrett, he spoke to this very point:
"But you have to be ready to fall on your face — flat on your face — and have failed miserably…like Jennifer Beals in Flashdance: She falls over; it's her worst nightmare come true. But what can you do worse than that if you're dancing? The same with this."-Keith Jarrett
Keith Jarrett is referring to a recent solo concert which was completely improvised. He claims to have had no idea prior to performing what might happen. This situation could be disastrous for him, but instead, he produced some amazingly beautiful music.
He's capable of this because he's practiced countless hours, over-preparing himself for virtually any musical situation, even one where he is to create purely improvised melodies, progressions, and solos, all by himself. These notes do not come out of thin air. He has a deep well of knowledge to draw from, built up from years of practice.
But then, he's not afraid to let go completely, let the moment take over, and see what happens. He can play the moment because he's over-prepared and not afraid of falling flat on his face.
Integrate a performance mindset into your practice
It is possible to integrate a performance mindset into your practice without mindlessly improvising chorus after chorus with a play-along track. This is the ginormous gray area I'm talking about. It's not black and white. You don't always have to operate in "practice-mode" or "performance-mode," but rather could choose to explore the gray area in between.
There are, of course, reasons you would want to be at one of these extremes: when you perform you'll want to aim to be in complete "performance-mode," and when you're introducing a brand new idea into your playing concept, you may wish to be in complete "practice-mode," so do not discount either of these states. Simply realize that there is a whole lot of ground in between them to explore.
Mixing improvising with language or concepts
To start exploring this gray area, be very deliberate in the way you combine a performance mindset and a practice mindset. For example, it could be very thought out: I'm going to improvise three bars, and then I'll play this line over these chords. Simple.
It would look something like this:
By mixing pure spur of the moment improvisation with an idea you've worked out, you start to work the idea into your concept. Gradually, you'll learn how to improvise using part of the line, the shape of the line, or just a loose idea of it, all subconsciously. The goal is that these new pieces of language become something that would naturally arise because you start to hear them (or pieces of them) in the moment…which brings us to our next point…
Improvising with practiced ideas arising naturally
Suppose you're working on an a piece of language like the one in the previous example and you've played it dozens of times in all keys. You don't have to think about it. It's effortless. And then after that, perhaps you applied that language to a tune. So you know this idea pretty well…
Now, improvise over a tune with a clear mind, listening intently to what you hear in your mind. Aim to play what you hear.
But, keep that idea in the very back of your mind, and when you hear it or a piece of it, let it come out. The goal is not to force it, but to let it naturally arise while you improvise. It seems a bit esoteric at first, just improvising, yet slightly thinking about an idea. Just give it a try. You'll soon understand that once you've worked on an idea or concept, that just holding a slight feeling of the idea in your mind while you improvise, it will easily appear.
As you do this with an idea more and more, it will begin to naturally arise all the time, and it will sound like it's created in the moment because you'll be hearing it in the moment.
Think about it. Bird played a lot of the same lines all the time, but they always sounded fresh, every time he played them. Why?
They sounded fresh every time because he was hearing those particular lines in that particular moment. That's the key.
Simulating performance
Set some time aside everyday where you pretend you're performing.
Try to get people to listen to you, or play where you know people can hear you. This may bother them, but just tell them you're practicing performing.
But seriously, all joking aside, it's great to play in front of people, even if it's your mother. Playing when you know other people are listening completely changes your mindset. Adjusting to this mindset and bringing yourself back to your center where you feel focused, confident, and creative is essential.
Getting used to playing in front of people will help you transition to a performance mindset, and help you be in the moment when you perform, not letting your nerves ruin your ability to play the moment.
Jazz is the moment
Here. Now. Right now. This very moment. That's what this music is about. Not yesterday, not tomorrow. It's about now. Coming to this realization is quite scary. You could fall flat on your face. But that's okay. It happens to everyone. Prepare more the next time and do it again.
Trust the process, be over-prepared but let go, and start to integrate a performance-mindset into your practice regimen. Be confident and play the moment.Print This Post
Check Out Our Courses!
If you enjoy our articles, then you'll really enjoy our courses. No matter where you're at, they'll guide you step-by-step toward becoming a better musician.
The Melodic Power Course - Learn to improvise strong lyrical melodies
The Ear Training Method - Get the ears you've always imagined
Reprogramming The Musical Mind - Unlock your musical potential
Jazz visualization eBook with bonus audio - Learn everything 10x faster
Transcribe! - Amazing software to slow down and learn the songs you love
See All Courses and Recommended Products...
If you've found this website helpful, please click the Donate button. The average donation is about $14. We greatly appreciate your support!
Get FREE Jazzadvice Sent to Your Inbox
Sign up below to receive exclusive content, updates, and more. You'll immediately get a free copy of our eBook 10 Essential Tips Every Improvisor Needs to Know just for signing up!


text:
Fantasia Coverage Hollywood Reviews International Interviews International News Zombie Movies How ScreenAnarchy Works
Welcome to New Video Blog THE STACK: Halloween 2012 Part One! Horror Classics Comin' Back to Haunt Ya!
In discussion with fearless leader Todd at this year's Fantastic Fest I got the go ahead to try something new with our review roundup. Welcome to The Stack! Every couple of weeks I'll be posting a new video of my thoughts on a variety of mainstream US home entertainment releases. Some installments will be more in-depth offering a complete overview of specific titles. Others will feature me doing basic love it hate it recommendations in a vain attempt to keep up with the mountain slide behind my office door.
Cause any reviewer will tell ya- there's always the stack!
This first installment features me ....talking (and dancing a little). Mainly I wanted this up in time to recommend some truly nifty Halloween viewing. So get classical (and a little silly) with me as I let some newly remastered masterpieces take me back down memory lane.
The next installment looks at newer Halloween titles that may or may not be worthy of your private spooky soirees.
Here's a quick overview of what I thought about the titles covered in Part One of this handy Halloween guide. Scroll down for Episode One of The Stack!
Universal Classic Monsters: The Essential Classics Collection (BluRay)
This is absolutely magnificent.Worth the upgrade? Absolutely. You not only get all eight of the seminal Universal Monsters titles, plus the Spanish language version of Dracula (shot by a Spanish cast and crew at night during production of the Lugosi version) but the chance to watch Creature from the Black Lagoon in glorious hi-def 3D.
Twins of Evil (BluRay/DVD Combo Pack)
Synapse Films
Synapse has outdone themselves here. Besides the stunning audio and video there are numerous featurettes and a full length documentary that details the history of hammer during the seventies. Absolutely indispensable for any Hammer Fan. The combo pack also includes an isolated music and effects track perfect for the background of your party. Don May JR. was coy about future releases of The Vampire Lover's or Lust for a Vampire (which would complete the Karnstein Trilogy) but this is a magnificent companion piece to the Synapse release of Vampire Circus from last year.
Little Shop of Horrors Digibook (1986) The Director's Cut (BluRay)
Warner Brothers
Another rave here. This is a pristine presentation of one of the great modern American musicals. Feed me? Consider yourself fed. Tons and tons of extras and a restored darker than dark special effects laden ending make this more than worthy of the nifty digibook presentation.
Whatever Happened To Baby Jane: 50th Anniversary Digibook (BluRay)
Warner Brothers
Great video and audio? Check. Solid extras? Check. Cool diibook packaging? Check. This is no camp classic although it does have camp value. It is one of the great suspense films telling a story that spans the entire lives of two troubled women, one of whom has gone completely and dangerously insane. Joan Crawford and Better Davis each had a massive career resurgence after the success of this film that almost didn't get made because noone was interested in them anymore. Definitely the version to own.
Halloween II (Collector's Edition) (BluRay/DVD)
Shout! Factory
I saw this at the theater when it first released and it was scary as hell. It still works just fine if you're able to simply roll with it and not examine it too closely. Halloween II was a very violent shocking film for it's time but it lso started the franchise down the long road of developing the mythos behind what animated the unstoppable Michael Myers and just what his relationship was with Laurie Strode.
Halloween III: Season of the Witch (Collector's Edition) (BluRay)
Shout! Factory
Underrated is the best way to describe this fun cheesy gory halloweenie romp. I love Halloween III for all sorts of reasons. A big one is the presence of character actor Dan O'Herlihy who owns the role of the villainous mask maker in the film. But the rest of the cast has a lot of fun as well and the masks themselves (as well as the infamous Silver Shamrock jingle) are simply iconic.
Halloween 4: The Return of Michael Myers (BluRay)
Anchor Bay Entertainment
This film benefits so much from the presence of then child actress Danielle Harris it's hard to over estimate her appeal. She's moved on to even better roles but is still strongly, perhaps most strongly , identified with this one. But also great here (as always) is Donald Pleasence. This is a solid upgrade visually and contains some decent extras.
Halloween 5:The Revenge of Michael Myers (BluRay)
Anchor Bay Entertainemnt
For a lot of purists fans the series basically ends here. I think they are wrong but I also think the franchise certainyl doesn't suffer for having the mythos of Myers expanded further. Danielle Harris gets another chance to shine, which she does. But ultimately Michael Myers is incredibly well presented as his relationship with Loomis comes to a head.
Mother's Day (BluRay)
Anchor Bay Entertainment
Troma (sigh) I wish I could love you more. You laid the groundwork for generations of direct to video schlock but....The truth is, a lot of people love Troma precisely because of films like Mother's Day. It's gross, it's very funny in spots and whether or not that makes it a good film it may very well make it a good film to play at your upcoming Halloween party.
The Funhouse (Collector's Edition) (BluRay)
Shout! Factory
Tobe Hooper will always be most appreciated or Texas Chainsaw Massacre but even if he'd only made this film he would have been assured a place in horror fan's hearts. The Funhouse is a novel take on the group of teens killed one by one aesthetic that eventually became standard....and boring. Hooper also manages to generate some sympathy for the Carny monster here. In short this entertaining stuff. Has it aged perfectly? Naw. But it is perfect for a retro Halloween screening.
Terror Train (Collector's Edition) (BluRay)
Shout! Factory
Planning a retro party for the spooky season? This deserves a place next to Prom Night, My Bloody Valentine, Happy Birthday To Me and The Funhouse in your programming. In short it is a real hoot. Jamie Lee Curtis is stalked once again. This time it's a aboard a party train filled with her costumed fellow graduates. The killer could be anybody. Even handsome magician David Copperfield who's been hired as the entertainment.
Jeeper's Creepers (BluRay)
I hated this movie when it came out. It seemed as patched together as one of Letherface' skin-aprons. But over time I've grown to like it alot more. Great creature work, and great chase/battle sequences are coupled with a real sense of threat here even if the presence of certain characters (like the psychic) get in the way of a streamlined monster movie experience. All extras are in SD.
Killer Klowns From Outer Space (BluRay)
Can enough be said about how great this movie is? It came out long before such gonzo concepts were fashionable, even in the genre world and it was a labor of love from the start. Funny, gruesome, and utterly deserving of the twelve year old twinges one feels when reading the title. Yup. It's that fun. Tons of extras here, even if if they are all presented in SD rather than HD. The film itself has never looked better.
The Texas Chainsaw Massacre II (BluRay)
I feel almost embarrassed. This movie deserves it's own episode of The Stack managing as it does to be a perfect companion piece to one of the greatest horror films ever made; the original TCM. Solid extras here presented in SD rather than HD but it's a relatively small complaint given the image upgrade.
Do you feel this content is inappropriate or infringes upon your rights? Click here to report it, or see our DMCA policy.
"In discussion with fearless leader Todd at this year's Fantastic Fest I got the go ahead to try something new with our review roundup."
Nice feature Mr Canfield....I love to see Mr Smithson and you do one together...would be cool.
But get a better microphone, lots background hissing, sometimes it was hard to hear what you were saying.
Anyway, thanks.


text:
Rylan Clark-Neal has clarified a comment he made on This Morning on Wednesday which was uttered during a discussion on sexual consent.
In a series of tweets, the Big Brother's Bit On The Side presenter apologised for any unintentional offence.
On ITV's popular morning show, the topic in question was whether sexual consent classes should be compulsory. This follows the University of York's decision to introduce compulsory sexual consent classes for male students.
Rylan, who was sitting in for regular host Phillip Schofield, asked guest Martin Daubney: "Should there be a compulsory alcohol class that talks about how much you drink, then? Because this is very much a two-way street."
The observation was not received well on social media and the 27-year-old took the decision to explain his position, saying that the comment was taken "out of context" and "misinterpreted".
Rylan retweeted a comment on the subject from a supporter who said she had understood what he had meant.
The Press Association contacted ITV for a comment.


text: Jay Hidalgo has a unique approach to helping you, the business leader, move from where you are to where you can be. He helps his clients improve performance through his coaching and consulting in Strategic Planning, Executive and Leader Development, and Marketing Strategy. He helps each person with whom he works to establish goals, identify performance gaps, create plans for improvement, become accountable to take action, and implement lasting change.


text:
Fitness workout schedule
I will provide a 5 day workout routine geared for your fitness level. I can tailor the program to improve flexibility, strength, endurance, speed or overall physical well being. We will first talk about goals and equipment you have available. Second, talk about any limiting factors. And finally, we will draw up a routine that is challenging and productive.
Training & Qualifications
I am a health care practitioner focused on healthy living. In my private practice, I integrate diet, exercise and total body health. Simbi is a great way to extend my reach globlly to people interested inimproving their health.
Availability & Preferences
Mon, Wed and Fri
Reviews of Liz
Kaitlyn received Help with Fitness Plan from LizAug 29, 2016
Liz's requests
About Liz Starkey
Bartering is a great way to harness your talents and help the community. I am all about healthy, holistic living. Healthy food choices, wholesome diet, alternative medicine and sustainable living. M...y goal is to help you on your journey to healthy living.show moreOpen to other proposals
Liz Starkey is looking for:
- Experiences
- Fun & Quirky
- Fitness
- Learning
- Business


text:
New Delhi: A Delhi court has issued production warrant against former union minister P K Thungon, who is in jail in a graft case, for his alleged role in a scam relating to allotment of government shops during 1993-94.
Special CBI Judge Sanjeev Aggarwal issued warrant against Thungon, also a former Chief Minister of Arunachal Pradesh, for September 14 after the court was informed that he was not present in the hearing as he was lodged at Rohini Jail here.
"Regarding accused P K Thungan, it is stated that he is in judicial custody and at present he is lodged at Rohini Jail in another corruption case. Issue production warrant against accused P K Thungan for the next date of hearing," the court said.
The court fixed the matter on September 14 for recording of statement of accused persons under section 313 of the CrPC as prosecution evidence in the case is complete.
Thungon was awarded a four-and-a-half year jail term in a 1998 graft case relating to misappropriation of central funds in July this year.
Thungon, who was Minister of State for Urban Affairs and Employment at the time of alleged offence, has been facing trial in this case along with then Urban Affairs and Employment Minister Sheila Kaul, three private persons Lhakpa Tsering, Krishna and Tulsi Balodi.
Meanwhile, the court also received death verification report of Sheila Kaul that she has died on June 13 this year, following which it abated proceedings against her.
Accused Balodi had also died earlier and proceedings were abated. A case was registered by the CBI in 1996 against Kaul, Thungon, his nephew Tsering, Krishna and Balodi for allegedly hatching a conspiracy in allotting shops and stalls in 1994.
According to CBI, the five accused allegedly conspired during September 1993 to June 1994 with the object of dishonestly and fraudulently obtaining undue benefit in the allotment of shops on economical licence fee basis in contravention of rules governing such allotments.
CBI has claimed that Kaul and Thungon allegedly committed offence of criminal breach of trust to cause undue pecuniary advantage to their relations and friends, Tsering, Krishna and Balodi and dishonestly allowed these three to convert to their own the government shops entrusted to the minister.
It has said that in pursuance to conspiracy, Kaul abused her official position as Minister and in the capacity of custodian of government shops, dishonestly and without any public interest sanctioned allotments of three shops without calling for any tenders of applications from general public on mere recommendation of Thungon in a market opposite Red Fort.
The agency has also alleged in the charge sheet that Kaul caused huge pecuniary advantage to Tsering, Krishna and Balodi and corresponding loss to the state exchequer.
CBI said the case was registered after the Supreme Court in 1996 directed the agency to probe the allegations of corruption and bribery in the matter of out-of-turn allotment of government shops and lodge cases against the offenders.
The three shops were alloted on April 9, 1994 and May 12, 1994, CBI has said. The court had framed charges against the accused in March 2009 for the offences of criminal conspiracy read with criminal beach of trust by public servant of the IPC and under relevant provisions of the Prevention of Corruption Act.


text:
So I have only been in one serious relationship which was 4 years ago and I haven't been with anyone since. I've been on dates and all that but it just never went anywhere. Do you think I am the problem?
Most Helpful Guy
Don't think so, maybe they were not your type, or you guys just never clicked. Things like this happens often.00|00|0


text:
Good Vibes Soft Brushed Legging
- Paneled elastic waistband
- Approx. 7 in. leg opening
- Approx. 29 in. inseam
- 92% polyester, 8% spandex
- Machine wash
- Model wears size S/M
- Imported
Show off a little in this sporty knit legging. Cut from soft brushed knit, it's outfitted with screen print graphics down the left leg.


text:
Sports news
Porsche celebrates record year with '911' bonus payout
Despite the 'dieselgate' scandal weighing on parent Volkswagen, 21,000 employees will each receive the bonus, worth up to $9,830, to mark "the most successful year in the company's history," Porsche said in a statement.
Formula One: All change as new owners steer F1 into fast lane
Liberty Media's takeover and the off-season departure of the sport's veteran commercial ring-master Bernie Ecclestone have coincided with an overhaul of the technical regulations to usher in a new breed of 'fatter and faster' cars.
New 2017 Porsche Macan adds four-cylinder engine, lowers price
The new base model, called simply the 2017 Macan, has the Macan's first four-cylinder engine and carries a starting retail price, including destination charge, of $48,850.
Hypercars mingle with station wagons at Geneva Motor show
Europe's automakers face huge questions: the impact of Britain's decision to leave the European Union, President Donald Trump's proposed border tax on imports, the uncertain prospects for electric vehicles.
Faster cars set for track in Barcelona ahead of new Formula One season
The revamped cars will be on the track in Barcelona on Monday when teams and drivers will get their first real look at what 2017 is going to be like.
Hyundai Motor see growing uncertainties in 2017
Chiefs of Samsung Electronics and Hyundai Motor said Monday their businesses would face increased uncertainties due to growing protectionism.
Hyundai group aims to sell 8.25 million cars in 2017
The projected sales for 2017 mark a slight increase from the previous year's target of 8.13 million, the Hyundai Motor group chairman Chung Mong-Koo said in a New Year email message to employees on Monday.
After 12 years absence, Acura NSX returns as gas-electric hybrid
A twin-turbo V-6 behind the seats works in tandem with electric motors between the front wheels and at the back of the car to generate 573 horsepower and 476 foot-pounds of torque, all while wearing the fuel-efficiency crown for a high-performance, gasoline-powered sports car.
Dipa Karmakar to return BMW she was gifted owing to maintenance issues
The prime reason behind it seems to be the difficulty Dipa and her family is having maintaining such a posh car in a city like Agartala, where the roads are narrow and not well-maintained.
Ford recalls 830K vehicles to fix faulty door latches
Ford is recalling about 830,000 vehicles in the U.S.and Mexico because the side door latches can break and the doors can open while the vehicles are moving.
S. Korea calls for Nissan to face charges over emissions
South Korea has called for car giant Nissan to face criminal charges for allegedly manipulating emissions data on a popular sports utility vehicle, weeks after Seoul slapped the firm with a fine over the issue.
IIT-B develops fastest Indian electric racing car Orca
The IIT-Bombay racing team launched their new car ORCA along with NRB Bearings, Tata Motors, CEAT Tyres and many other sponsors on Sunday evening at the campus auditorium.
Honda Cars targets 10 percent growth
The company will be expanding its production capacity at its Rajasthan plant by 60,000 units per annum to 180,000 units per annum
Volkswagen recalls 91,000 Passat sedans in US to fix cable insulation
Volkswagen is recalling 91,000 Passat sedans in the United States to fix insufficient cable insulation that could cause short circuits, it said on Friday.
Hyundai to showcase 17 models at Auto Expo 2016
HMIL will also showcase its high performance sub-brand N, which is a result of intensive testing and product development, at the biennial event.
Henrik Fisker files $100 mn lawsuit against Aston Martin
Henrik Fisker has filed a $100 million lawsuit against automaker Aston Martin for Civil Extortion related to Aston Martin's threats.
Being ruthless is a prerequisite to success in any sport: Narain Karthikeyan
Karthikeyan believes being ruthless is a prerequisite to success in any sport. "Nice guys may not finish last, but to finish first will be difficult.


text:
Save $1.00 on any One (1) International Delight Iced Coffee Half Gallon … [Read more...]
Print This Delicous Iced Coffee Coupon ASAP
Home Made Iced Coffee Recipe
Home Made Ice Coffee Recipe Save yourself a few bucks and make your Iced Coffee at home. Ingredients 1 full pot of coffee (10-12 cups) 1/2 cup of sugar 1/2 cup of brown sugar 1 cup of fat free French Vanilla Creamer 2 cups of fat free milk Pinch of Cinnamon Add … [Read more...]
Save on Iced Coffee with NEW $1/1 Q!
Save on Iced Coffee with NEW $1/1 Q! Stay cool this hot summer with a ice cold glass of International Iced Coffee! Grab this new coupon to save $1.00 off your next purchase of one, any size!! Current Deals: Publix - Jacksonville Division (GBA 6/18/16 - … [Read more...]
50¢ Starbucks Iced Coffee @ Walgreen's (6/12-18)
50¢ Starbucks Iced Coffee @ Walgreen's (6/12-18) Talk about a WHOO-HOO deal! ;) Get perked up for this deal starting this Sunday at Walgreen's! I'll be sure to make a stop for iced coffee.. you can't stop me from cheap coffee of any kind!!! at Walgreen's, 6/12-6/18: Buy (2) … [Read more...]
RARE $1/1 Starbucks Iced Coffee Coupon!
Who doesn't love their Starbucks Iced coffee? Print this little gem and hold it for a sale... OR run and grab a nice, cold, Starbucks iced coffee! :D $1.00/1 Starbucks Iced Coffee Product ---> HERE YUMMMMM!! … [Read more...]
3 NEW International Delight Coupons (Eggnog, Iced Coffee & Creamer)
Make all of your holiday guests happy with these different varieties of all of our favorites from International Delight, including eggnog, creamer and iced coffee! Something that everyone will love :) $0.55/1 International Delight Nog *doubles! $0.55/1 International Delight Iced … [Read more...]
HOT! *New* $1/1 Starbucks Iced Coffee single printable! +deals!
HOT! *New* $1/1 Starbucks Iced Coffee single printable! This awesomely amazing coupon for this refreshingly delicious beverage is BACK! LOL.. sorry for the colorful alliteration. Click below to print this one out! $1/1 Starbucks Iced Coffee (pre-clipped) Here's your deals: CVS (through … [Read more...]
$0.01 MONEYMAKER! Starbucks Iced Coffee @ Walgreens (through 7/25)
$0.01 MONEYMAKER! Starbucks Iced Coffee @ Walgreens (through 7/25) Grab one of these iced coffees at Walgreen between now and July 25th and you'll make yourself a pretty penny.. just one, but hey, the only thing better than free is getting money back ;) lol. Here's your deal: Buy … [Read more...]
MoneyMaker: *2* STARBUCKS ICED COFFEE @ CVS (through 6/27)
MoneyMaker: *2* STARBUCKS ICED COFFEE @ CVS (through 6/27) This is an AWESOME deal.. I love these little iced coffee drinks! From 6/21-6/27, you can score TWO bottles totally FREE after printable coupon & Ibotta rebate.. here's your deal: Buy (2) Starbucks Iced Coffee 11oz. BOGO … [Read more...]
$1/1 Gevalia Iced Coffee & $1.50/1 Luzianne Pour-N-Stir PRINTABLES RESET *MONEYMAKERS*
$1/1 Gevalia Iced Coffee & $1.50/1 Luzianne Pour-N-Stir Resets *MONEYMAKERS* (Target/Walmart) We have two more reset coupons that will give us MONEYMAKERS at Target (Gevalia) and Walmart (Luzianne) Read below for more details.. At Walmart.. $1.50/1 Luzianne Pour-N-Stir (Zip … [Read more...]
*MONEYMAKER* Gevalia Iced Coffee @ Target!
*MONEYMAKER* Gevalia Iced Coffee @ Target! Target has Gevalia Iced Coffee regularly priced at $1.99-$2.09 each. Here's a great stacking deal to get a freebie ;) Grab this deal while ya still can!! Buy (1) Gevalia Iced Coffee, 11.1oz. $1.99-$2.09 (I've seen varying posts YMMV) Use $1/1 … [Read more...]
FREE Dunkin Donuts Coffee for Nurses
FREE Dunkin Donuts Coffee for Nurses In honor of Nurses Appreciation Week, Dunkin' Donuts is giving away free 16oz Dunkin' Dark Roast iced coffee. All you need to do is show your healthcare id. Valid May 6th – May 12th NOTE: This offer may not be available at all locations, so be sure to check with … [Read more...]
Dunkin Donuts Iced Coffee $0.99
Get a Dunkin Donuts Dark Roast Iced Coffee for $0.99 with the coupon from todays 3/24 RP … [Read more...]
FREE Iced Coffee at Brueger's
Get A FREE 16 oz. Iced Coffee at Bruegger's Thursday June 21st with coupon. Click Here for Q … [Read more...]
FREE at Shaw's International Delight Iced Coffee Coupon YMMV
Be sure and print this coupon and take it with you to Shaw's. HTSFF member Lori B just reported finding this in her Shaw's store reduced dairy case fro $1.00 and got it for FREE with this coupon! Thanks Lori! … [Read more...]


text:
Let's start off with I'm 16 and I'm pushing 400 lbs but I mean I don't think I look it at all and same with others I even get complements on how well I carry my weight, I really don't have a lot of experience with girls with pretty much anything I mean I'm not new to making out and what not but everything else its just kinda... yeah , anyway I really don't care about any of that anyway (sexual ) I can honestly say I just want a emotional and spiritual experience with a girl one that is so connected and intertwined does that sound like too much? Pretty much all my time would be devoteted to her I don't have a lot of friends Im talking count all of them on one hand , now granted I do have standards its not to much to ask you ain't got to put on make up do your hair , all I ask is basic hygiene.. again I ask is that too much , I don't judge anyone because the way I see it is I'm in no room at all to judge , I'm an open book so no secrets , I have a good sense of humor I mean I can make almost anyone laugh , I'm faithful , like why cheat your with that person for a reason what am I doing wrong? If I you want to ask more to make a hypothesis please feel free
Most Helpful Guy
I think your question is... "How do I get in a position to meet someone that loves me and that I can love back?" assuming that is the question I have some thoughts for you.
I always tell people, how can you expect someone to love you, if you don't love yourself. Now I am not saying that you don't love yourself, I don't know you. However I am asking you to take a step and think about if you are confident and if not, why not. Then I want you to think about what you need to do to gain confidence.
Secondly you need to keep in mind a relationship is about balance between two people. Both of you need to offer things to the other. If one of you is TOO STRONG or TOO WEAK then things tip the wrong way. You both need to be able to give and receive from one another. Do you feel that you can do that, or are you just going to be taking? Or just giving? If you are always taking eventually the other feels they are taken advantage of. If you are always giving eventually you feel you are been taken advantage of. Are you in the position to give and take? If not think about what that means and you need to do to change.
You mentioned weight... so I will too. My friend you are too big. NOW FINISH READING before you get upset :-) I am 6'7" and weigh around 275 lbs. I was injured very badly and put on a lot of weight during that time. Because I am so tall I do carry weight well, but the truth of the matter was I was too big, unhealthy and I knew it. So I did something about it. I took baby steps at first. I started walking three miles a day, 6 days a week. I also stopped eating fast food except for one fast food meal a week. I started losing weight and started feeling better. So then I stepped up and started working out more and stopped eating fast food. I lost more weight and took bigger steps. In the end I lost 75 lbs and am in the best shape of my entire life. I am ripped, can run. climb, lift, etc. This is something else to think about. You can do it!00|00|0
That actually was the question I just couldn't think how to phrase it right , there's some days my confidence is like "hell yeah I'm sexy" and other days its just like "look at yourself , what have you become " its a bunch of different factors that affect my confidence , I really can't answer that one maybe give me more on the giving and taking , why would I get mad I put it on here to get criticism on it that would be stupid if I got mad because you had the desensy to even take time of yours and give me advice , what would you recommend for the begening process to weight loss , find something better to do? Oh yeah what did your parents feed you when you were younger I'm only 5,8-5,9
- Show AllShow Less
And thank you for the encouragement its good to have somebody having faith in me
The poster above ValorM is right. Make sure you do it for you.. but you are. And yes I have faith in you. You are going to have good days and days you don't do as well as you would like. That is life. The trick is to keep going. Everyone falls, but what makes a man is that he gets up again and keeps going. No matter how many times he falls. And he learns from it. So one final piece of advice. Take the 5 min it take to plan your day. if you know when you are going to go for a walk and when and what you are going to eat, it is much easier to follow the plan than if you don't know and wing it. When you wing, it that is when you mess up. One other thing... the HARDEST time is the first week or so. you can do ANYTHING for a week. And once you get through the first week, you realize... i did it once. Now i can do it again!


text:
Currently unavailable: for new students
Degree: MSci Computer Science with International Year Abroad (Masters) - Nottingham University
I'm a student at the University of Nottingham studying an integrated masters in Computer Science. Since an early age, I've had an interest in technology, and my passion was ignited when I started making games when I was 11. I love helping people, and find it especially satisfying when I help someone to understand a problem they could not solve before.
In school, I was part of the Combined Cadet Force, and each week I taught new skills, such as first aid, to a group of up to 12 cadets at a time. I've also created a few apps for people all over the world (my first paid job was to create an online multiplayer game for an arm wrestling company, and I did this when I was doing my GCSEs).
I'm patient, friendly and passionate about computer science. If you don't understand something in the way I explain it first, I will always try to teach it in a different way so that you do understand it. Before each session, I'll ask you what you'd like to go over. I'll make the sessions as enjoyable as possible, which I believe is key to learning!
If you have any questions about me or would like to book a "Meet the Tutor Session", please don't hestitate to send me a message. Please include what exam board you're with and what you're stuck on. I look forward to meeting and helping you!
|A Level
|£20 /hr
CRB/DBS Standard
CRB/DBS Enhanced
Currently unavailable: for new students
|Before 12pm
|12pm - 5pm
|After 5pm
Please get in touch for more detailed availability
Ed (Student) April 14 2016
The sender's role is to add the parity bit. ASCII characters are represented using a 7-bit binary string. A parity bit is added to the beginning of the binary string (i.e. at the most significant bit, or MSB). Since it's even parity, the number of 1's in the 8-bit binary string must be even.
For example, if the sender wanted to transmit the ASCII code for the letter 'A' (ASCII code 65), which is represented in binary as 1000001, a 0 would be added as the parity bit at the MSB. Therefore, 01000001 would be transmitted.
Similarly, for ASCII code 'C', which is represented in binary by 1000011, a 1 would need to be added to make the number of 1's even. In this case, 11000011 would be transmitted.
The receiver's role is to check that the number of 1's in the received binary string is even. If the binary string fails this parity check, the received will ask the sender to send the data agin.
For example, if 01000101 was received, this would fail the parity check; the number of 1's in the binary string is not even, so the data would have to be resent. However, if 11000101 was received, then this would pass the parity check, meaning that it's likely (though not necessarily guaranteed) that the data has been received as it was sent, and has not been corrupted.see more
An intractable problem is a problem that is solvable, but not in polynomial time or less. Such problems cannot be solved in time considered to be reasonable (i.e. not solvable quick enough to be 'useful').
Let's start by looking at the denary (i.e. base 10) number system. In base 10, you have a column for each digit in a number.
For example, with the number 5,867 you have a 5 in the 1,000's column, an 8 in the 100's column, a 6 in the 10's column, and a 7 in the 1's column. Essentially, this means: (5 x 1,000) + (8 x 100) + (6 x 10) + (7 x 1), which of course comes to 5,867.
The same principle can be used for hexadecimal to denary conversion. Hexadecimal uses the base 16 number system, so instead of have a column for 1's (100), 10's (101), 100's (102) etc. you have a column for 160, 161, 162 etc.
Hexadecimal uses numbers from 0-9 followed by A-F (i.e. 0, 1, 2, 3, 4, 5, 6, 7, 8, 9, A, B, C, D, E, F) to represent their denary equivalent 0-15. The letter A represents 10, B represents 11, and so on up to F which represents 15.
So, for the hexadecimal value A7, we have a 7 in the 160 column, and an A (which as we know represents 10) in the 161 column. Therefore, to convert it to denary, we do:
A7 = (161 x 10) + (160 x 7)
= (16 x 10) + (1 x 7)
= (160) + (7)
= 167
Therefore, the hexadecimal number A7 is equal to the denary number 167.see more
Still comparing tutors?
How do we connect with a tutor?


text:
Spare Parts has ended. We hope you enjoyed it. Please visit our still-running comics, Namir Deiter and You Say it First
Spare Parts
is © Terrence Marks and Isabel Marks, 2003-2008. Do not distribute
any images on this site without the artist's permission or without giving
credit to the comic's creators (including a link back to http://www.sparepartscomics.com/).
Spare Parts has been on the web since October 2003 and updates every Monday and Friday at midnight, Pacific time.


text:
Canonical Announces Ubuntu For Phones
Canonical announces a smartphone interface for the Ubuntu operating system.
With the new interface, Ubuntu is targeting entry-level smartphones as well as high-end "superphones" that can be docked to become full PCs.
"We are defining a new era of convergence in technology, with one unified operating system that underpins cloud computing, data centers, PCs and consumer electronics," said Mark Shuttleworth, founder of Ubuntu and VP Products at Canonical.
The Ubuntu smartphone interface features simple swiping gestures from the edges of the screen that let users access content and switch between apps. For example, swiping from the right-hand edge takes the user to the previously used app, while swiping up from the bottom edge reveals app controls. The handset interface for Ubuntu also includes: Supported swiping gestures from all four edges, disappearing controls, global search for apps, content, and products, voice and text commands in any application, native and web or HTML5 apps, and personalization of the welcome screen. Native apps include: telephony and voicemail, SMS and MMS, email, web browsing, photography, music, and video.
The system requirements for an entry-level Ubuntu smartphone are a 1Ghz Cortex A9 processor and 512MB-1GB of memory. A high-end superphone will require a quad-core A9 or Intel Atom processor and at least 1GB RAM. No phone carriers or manufacturers were named in the announcement.
Issue 202/2017
Buy this issue as a PDF
LibreOffice 5.4 Released
Comes with improved support for Microsoft Office file formats.
Red Hat to Drop Support for Btrfs
The company is building their own storage solution called Stratis.
Reinvent your network with DevOps tools and techniques:
Opportunities and Risks: Containers for DevOps
Automated Builds Using CentOS 7 and Kickstart
Elasticsearch, Logstash, and Kibana – The ELK stack
Are you ready for DevOps? Try your luck with the beta version of Linux Professional Institute's new DevOps exam.
Kolab Now Integrates Collabora Online
Kolab Now subscribers now have access to Collabora Online.
Endless OS, a Distribution Without Internet
A new version of Endless OS has been released.
GitHub Announces Open Source Friday Program
They encourage people to take time out and work on open source projects on Friday.
System76 Announces Their Own Distro, Pop!_OS
Pop!_OS is based on Ubuntu and uses the Gnome stack.
Linus Torvalds Talks About His Motivation
He never tires of working on the Linux kernel.
Debian 9 Stretches Its Wings
The new release of Debian has a very strong focus on security.
Trojan Turns Raspberry Pi into a Cryptocurrency Mining Device
Two trojans in the wild are targeting Linux machines.


text:
Author | Nitin Sharma | Wednesday, Oct 22,2008 8:19 AM
Allied Media, the media planning, evaluating and buying arm of Percept Ltd, has brought on board Preeti Mascarenhas as Chief Strategy Officer. Mascarenhas moves from Mindshare India, where she was in the Strategy & Insights Division.
In an official communiqué, Shripad Kulkarni, COO, Allied Media, said, "Having achieved a milestone $100 million media billing in the first year of operations itself, we can proudly state that we are the fastest growing media company in India. We are targeting to be ranked amongst the Top 3 players in the next 15 months. As we gear up to achieve this ambitious growth plan, we need to strengthen and scale up our business. Preeti will bring in her expertise in strategic planning that will arm us for the challenges ahead. Preeti's mandate will be to handle every aspect of the media business, including business development and strategy planning for clients, developing new media tools, media buying and planning."
Commenting on her appointment, Mascarenhas said, "What fascinated me were Percept's 360-degree capabilities. Just harnessing these into a suite of unique marcom services will give Allied Media a huge advantage in the media AOR space. I am looking forward to the exciting race to the Top 3 position."
A Post Graduate in Mass Communication, Mascarenhas has been associated with companies like ORG MARG, AC Nielsen TAM Media Research and Carat Media Services. She has over 10 years' experience and has worked on brands like Star Plus, Godrej, Philips and Ujala, among others. She has also presented and published various research papers, including one at the International ISBA conference in the UK as a research associate with Wellingkar Research Centre (Wellingkar Institute of Management).
Programming HeadRadio Mango


text:
Recent Posts
- El Salvador trip for teachers?
- Remedios Varo
- Como agua para chocolate
- Cooperative Learning and Languages
- Mentoring a pre-service teacher
- Chilean New Song Movement
- My pre-AP and AP Spanish course syllabi
- Teaching materials created by others
- Acentos perdidos
- Ernesto "Che" Guevara: ¿Héroe revolucionario?
Tag Archives: Janice Holter Kittok
Words to ponder from Janice Holter Kittok
Here's a little something written by Janice Holter Kittok to reflect on: "We say we are not doing grammar-based teaching, yet major textbook publishers have not altered the basic scope and sequence in the last 50 years (a methodical grammar … Continue reading
Posted in Musings Tagged Janice Holter Kittok, tongue tied American 2 Comments


text:
Remember Me
Forgot your password?
Premium Subscribers & members of my network may view my contact information.
Eric is one of the best trainers its been my privilege to work with. His command of the classroom, ability to enlighten as well as train, knowledge of the material to be trained and willingness to share makes him a joy to work with.
- Judi Bandel (3/21/08)
Peer Assessment:22
Social Influence:?
eric whiteway
© 2006-16 Viable Ventures, LLC. All rights reserved.


text:
Defiance, Ohio
Defiance is a city in Ohio, and the county seat of Defiance County. Located at the juncture of the Auglaize and Maumee Rivers, Defiance has a population of about 16,500 in an 11 square-mile area. Defiance has a small college-town atmosphere with convenient highway, train and air access to big-city amenities. The economy is a mix of education, healthcare, manufacturing and service sector businesses, with General Motors Powertrain division the city's largest employer. Defiance is home to Defiance College, a small liberal-arts college, which contributes to the city's cultural and entertainment opportunities.
The City of Defiance has its origins in a frontier stockade, Fort Defiance, built by General Anthony Wayne in 1794. The fort served as protection for settlers and as a command post for sorties against British forces during the War of 1812. In 1922, with the fort no longer needed, the town of Defiance was founded on its site. Agriculture was the chief industry initially, with first the canals and then the railways providing access to markets in larger cities. In 1870, the Christian Diehl Brewing Company began marketing beer to local customers. With the passage of Prohibition in 1920, the brewery shifted to condensed milk production, reorganizing as the Defiance Dairy Products Company. Although beer was reintroduced in 1933, the dairy products line was more successful, and the brewing operation was discontinued in 1955. Today, Diehl Food Ingredients operates as a business unit of SensoryEffects, manufacturing non-dairy powdered creamers and other specialty products. General Motors Powertrain and foundry has been a major presence in Defiance since 1948. Other companies of long-standing in Defiance include Baker-Shindler Contracting Company and Johns Manville.
Defiance's history of manufacturing and construction makes asbestos exposure an ongoing concern for workers and their loved ones, who may be at risk for mesothelioma. For your convenience, we have listed mesothelioma cancer centers located in or near Defiance at the bottom of this page. Asbestos lawyers may also be able to assist you if you or a loved one were exposed to asbestos in Defiance.
Asbestos Exposure at Jobsites in Defiance
The Mesothelioma Cancer Alliance has compiled information obtained from a number of sources to identify the following jobsites in Defiance where asbestos exposure was known to have occurred. These sites are listed below.
- American Louisiana Pipe Line Company
- Central Foundry
- Defiance Box Company
- Defiance Light and Power Company
- Defiance Milk Products Company
- Electrolite Corp
- General Motors Foundry
- Johns - Manville
- Lectrolite Corp
- S K Wayne Tool Company
- Zeller Corp
Mesothelioma Cancer Centers near Defiance, Ohio
For your convenience, we have compiled a list of mesothelioma cancer centers that are located within a 100 mile radius of Defiance, Ohio. Please click on a cancer center link to obtain more information about the clinical programs offered, professional designations, areas of expertise and how to contact the center.
Toledo Community Hospital Oncology Program (CCOP)
3232 Central Park West, Suite C
Toledo, OH 43617
Distance: 41.7 miles
University of Michigan Comprehensive Cancer Center
1500 East Medical Center Drive
Ann Arbor, MI 48109
Distance: 75.6 miles
Ann-Arbor Hematology Oncology Associates P.C.
St. Joseph Mercy Hospital Cancer Care Center
5301 Huron River Drive, Suite C-139
Ypsilanti, MI 48197
Distance: 72.9 miles
Barbara Ann Karmanos Cancer Institute
4100 John R Street
Detroit, MI 48201
Distance: 98.5 miles
Mesothelioma Doctors near Defiance, Ohio
For your convenience, we have compiled a list of mesothelioma doctors that are located within a 100 mile radius of Defiance, Ohio. Please click on a doctor link to obtain more information about his/her background, areas of expertise, professional affiliations, and office locations.
Dr. Gregory P. Kalemkerian
University of Michigan Health System
Cancer Center Floor B1 Reception C
1500 E. Medical Center Dr., SPC 5912
Ann Arbor, MI 48109
Distance: 75.6 miles
Dr. Shirish M. Gadgeel
Barbara Ann Karmanos Cancer Institute
4100 John R Street
Detroit, MI 48201
Distance: 98.5 miles
Filing an Asbestos Lawsuit in Defiance, Ohio
Don't lose your rights! If you or a loved one has been diagnosed with mesothelioma and were exposed to asbestos in Ohio, you may be entitled to compensation. You may have limited time to file a claim. If you have been diagnosed with mesothelioma and have a pathology report in hand to support that diagnosis, you are eligible for financial assistance.
Asbestos Related News in Ohio
Goodyear Sued Over Asbestos Claims Paid by Berkshire Insurance
Goodyear Tire & Rubber Co. is being sued by Berkshire Hathaway Inc. over property and casualty insurance claims related to asbestos. Read more at Mesothelioma.com.
Galion Neighbors Now Hearing About Asbestos Discovered In 2010
Neighbors in Galion are just now finding out about asbestos that was discovered at on old manufacturing plant in 2010.


text:
Pelactiv Body Pack
- Description
DetailsWith all the essential body treatments to ensure your skin is at it's visibly healthiest, Pelactiv have introduced a new body kit with outstanding value. The kit consists of the new Ultra-Hydration Body Treatment Cream, Energising Body Polish and Conditioning Hand Treatment, along with a handy multi-pocketed drawstring shower bag and matching bath sponge. Prep, polish and nourish your body with Pelactiv.
- Reviews
Write Your Own Review
- Shipping Info
Shipping Info
How long will my order take to be dispatched?
If the products in your order are showing as 'Ready for Dispatch' then they will usually be sent on the next available business day or same-day if you order before 12pm AEST. Products that are not in stock will generally be shipped within 2-5 business days.
How long will my order take to arrive?
Once dispatched, you will receive a tracking number via email. It usually takes 2-4 business days for express delivery and up to 7 days for standard delivery. Express next day delivery is only available for addresses in Australia Post's next day delivery network. New Zealand orders can take up to 10 business days due to customs clearance. Please note that delivery timetables are guidelines provided by Australia Post and will vary based on your location. We are not responsible for any delays in delivery by Australia Post.
Is in-store pick up available?
Click & Collect for online orders is available in Western Australia. Our premise is located at Duncraig Shopping Centre in Perth, Western Australia. Orders are available for pickup on the next business day after the order is placed. You will receive a text message when your order is ready.
How much does it cost to have my order delivered?
If you spend over $89, delivery throughout Australia is FREE via Standard Delivery. For orders under $89, delivery starts at flat rate of $6.95. View the full table of rates below:
Orders Over $89 Orders Under $89 Standard Delivery (3-7 Business Days) FREE $6.95 Express Delivery (2-4 Business Days) $6.95 $11.95 Pick-Up Next Business Day (WA orders) FREE FREE International Delivery (New Zealand) $19.95


text:
Uptown Farmers Market
Phoenix, AZ 85012
- Saturday mornings, year-round (9a - 1p Oct. - Apr) (8a - noon from May - Sept.) Wednesday mornings (8a - 1pm Oct. - June)
Get the Things to Do Newsletter
Sign up for our weekly guide to events in Phoenix, and never be bored again. With suggestions for every day of the week, our recommendations will keep you busy on any budget.
Related Stories (7)
A Guide To Spicy Food In Metro Phoenix
Tuesday, June 13, 2017 at 8 a.m. by Lauren Cusimano
Break a sweat this summer with some of the spiciest dishes in Phoenix, from hot wings to Szechwan, salsa bars to peppercorn ice cream.
Here's Your Field Guide to Eating Fall in Metro Phoenix — And It's Not Just Pumpkin Beer
Wednesday, September 28, 2016 at 10 a.m. by Lauren Cusimano
Double digit temperatures, increased traffic, pumpkin everything...fall has arrived in the Valley of the Sun. And with so many local candy shops, places to pick-your-own produce, and farmers markets, it's as easy to get into the spi...
11 Farmers Markets Open for Fall 2016 in Metro Phoenix
Monday, September 26, 2016 at 6 a.m. by Lauren Cusimano
Though several Valley farmers markets stayed open during the summer, many are set to open or expand their hours in the coming weeks and months. Here are 10 farmers markets set to reopen or stay open longer this fall in the Valley.&n...
Bo Mostow of Uptown Farmers Market on Best Places to Dine With Kids and The Awesomeness of Root Cellars
Friday, May 20, 2016 at 9 a.m. by Lauren Saria
From now until we publish the 2016 edition of Best of Phoenix, New Times is naming 100 Tastemakers — members of our local culinary community who help shape the way we eat, drink, and think about food in Phoenix. Some you'll know, an...


text:
The latest statistics from ooba, South Africa's biggest bond originator, show that the average house purchase price has increased 4.5% year on year and 0.5% month on month to R908,802. This is further confirmation in the trend of improving nominal house prices recorded by ooba in recent months.
"ooba has recorded steady albeit single-digit nominal house price growth since the beginning of the year," says Saul Geffen, ooba CEO. "At the same time, there is an increased percentage of first-time buyers, which has remained a high proportion of total buyers since May 2011."
Of all ooba's applications in April, 52% were from first-time buyers, up 1.1% year on year, and 0.2% month on month. The first-time buyers' average house price is showing a slight increase year on year of 0.1% to R677,712.
ooba also set a new company record in April. The overall value of home loan applications received and processed by ooba in April was 50% higher year-on-year, while the value of approved home loans was 30.5% higher year on year, resulting in ooba's best performance in five years.
Geffen attributes this considerable growth to ooba having doubled its market share, as well as to increases in the number of applications received, higher property prices, lower deposit requirements and increased home loan approval rates.
For the past six-month period, ooba's approved home loans value was up 28.5% compared to the same period the prior year. The value of approved home loans in April was 317% higher than January 2009, ooba's lowest month during the property and financial crisis.
A number of positive changes have conspired simultaneously to drive ooba's volumes significantly higher," says Geffen. "There also seems to also be a strengthening in the property market, with the increased confidence filtering into increased volumes."
ooba's average approved bond size, at R761,259, is showing an increase year on year of 3.8%. The average bond size for first time home buyers is R601,040, and has increased by 5.4% since December 2012.
The average deposit in April was at 16.2% of the average house price.
"We advise applicants to save for a deposit, as these loans achieve higher approval rates and better terms", says Geffen.
The initial bank decline ratio of 46.0% is 0.9% higher year on year, but slightly lower month on month by 0.5%, and the ratio of applications declined by one lender and then granted by another is showing a slight year-on-year and month-on-month decrease of 1.8% and 3% respectively to 24.9%.
ooba's effective approval rate, which is the overall percentage of loans approved once ooba has shopped the loan to multiple banks, was 65.5% in May. ooba's trailing effective approval rate, which takes into account loans approved after month-end is running at 72.5%.
"ooba continues to achieve the highest approval rates in the industry. We secure approvals for 72% of all the home loan applications we receive, which compares very favourably with the overall average bank approval rate of 54% across the major lenders," says Geffen. "This essentially means that homebuyers have on average a 34% better chance of getting their home loan approved when using ooba.
Full oobarometer analysis:
Change yr on yr
(Apr 13 vs Apr 12)
Change month
on month
(Apr 13 to Mar 13)
Avg purchase price
of first time buyer
Avg approved bond size
Avg deposit (as % of purchase price)
Avg age of applicant
No Change
Avg initial decline ratio
(first bank decline)
Ratio of applications declined by one lender but approved by another
Effective approval ratio
This is our dream home and this is really a dream come true for us!! Thanks a lot for your help and quick responses. It has really been a great experience working with ooba.
I am thankful for the wonderful manner in which you assisted me with my insurance. You are an amazing asset to ooba.
I was told by 5 people that I should go through Yvonne Viljoen. She managed to get me what I wanted from the bank. She was thorough, fast, efficient and ahead of the schedule. Because of this experience I will recommend ooba and Yvonne and I can say that I cannot relate to other people's disappointment when buying a home.
I tried ooba despite not knowing anybody that has gone through a bond originator. The process isn't over yet, but so far it is the best decision I've made. Efficient, amazing service. You always know what is going on and guided me through the entire process.
"Thank you ever so much for this. You are totally on the ball and your service is appreciated - it's rare nowadays."
"Thanks to ooba for their great service, I will definitely recommend you."
"Thank you for promptly sorting out the issues we have been having."
"You are a very professional person to deal with. Thank you for your efficient and excellent service."
"Baie dankie vir jou vriendelikheid."
"ooba is really going out of their way to assist us here."


text:
Question: When customers purchase goods at a Radio Shack store they
When customers purchase goods at a Radio Shack store, they are typically asked for their name and phone number so their purchase information can be stored. This would be one portion of the vast internal and external data available to the company. How might a company like Radio Shack utilize data warehousing and data mining?
View Solution:
View Solution:
Answer to relevant QuestionsIn general, what are some of the considerations in evaluating the suitability of data that have been generated by someone else? For what types of sources should secondary data be regarded with special skepticism? Researchers at a university with an enrollment of 12,000 take a census of the entire student population, asking, "Shoplifting is not only illegal, it raises the prices that we all have to pay. Have you ever shoplifted from ...A sample space includes the events A, B, and C. Draw a Venn diagram in which the three events are mutually exclusive. According to data from the U.S. Energy Information Administration, the 60.0 million U.S. households with personal computers were distributed as shown here with regard to geographic location and access to the Internet. The ...Using the information presented in the table in Exercise 5.12, calculate the following probabilities: a. P(A or D) b. P(B or F) c. P(C or G) d. P(B or C or G) In exercise 5.12
Post your question


text:
Listing Provided Courtesy Of: CHAPMAN HALL REALTORS
Real Living Capital City
Last Updated: 8/23/2017 12:39 PM
Description for 3890 Rajean Dr Lawrenceville, GA 30044
Nice lot in Parkview School Cluster. Depth of lot will allow for a big backyard for a detached building, garage, etc...
Landress Ridge
Nice lot in Parkview School Cluster. Depth of lot will allow for a big backyard for a detached building, garage, etc...
Listing Information
Landress Ridge
Public Water Service
Underground, Cable TV, Electric, Natural Gas, Telephone, Sewer
School Information
Room Information
Exterior / Lot Features
110X470X63X73X347, 1 Up To 2 Acres
Sloped, Rolling
Residential Land, Cul-De-Sac, Subdivision, Other, Paved Road, Community Maintenance, Rolling, Sloped, Wooded
Driving Directions
I-85 to Pleasant Hill Rd; Go South, crossing over Hwy. 29 (Lawrenceville Hwy); it then becomes Lester Road. Landress Ridge is the 3rd right (Rajean Drive). Lot is on the left, in the Cul-de-sac, just past the large ranch home, which is #3880.
Financial Considerations
Listing Price History
Lawrenceville Real Estate
Lawrenceville is located in Georgia. Lawrenceville, Georgia 30044 has a population of 30,493.
The median household income in Lawrenceville, Georgia 30044 is $42,459. The median household income for the surrounding county is $60,329 compared to the national median of $53,482. The median age of people living in Lawrenceville 30044 is 34.6 years.
Loading nearby sales and history ...
Ask a Question?
Start a no spam email conversation
My Drive Time
Enter your work address to view actual drive times with traffic for this property
Here is the weekday INRIX Drive Time from this property to .
When you register, you will receive ...
Weekday drive times
Plus all these great features
Register or login today to take advantage of Drive Time
Nearby homes for sale
Recent sales nearby
Lawrenceville Real Estate
Nearby Communities


text:
Intellectual property basics1/9/2014
Bryce C. Pilz provides this series of videos, designed to assist entrepreneurs during their start -up period. The videos are intended to provide general information on copyright, patents, trademarks, and trade secrets. The online program contains 62 brief, 3-5 minute videos on various aspects of IP. Whether you watch 1 or all 62 you will learn about intellectual property guidelines based on the most recent changes to the patent process in 2013.
Watch the series
It is important to understand, not only the basics behind intellectual property, but how they relate to the launch of a potential technology venture.
A lecture series by Professor Bryce C. Pilz
About the Series
The videos are broken into five sections, with subtopics for each. The outline below will help you identify the topics and videos most important to you.
I. Introduction
II. Patents
- An overview of patent rights
- What can be patented
- Obtaining a patent
- Patent inventorship & ownership
- Design patents
- Patent infringement & litigation
III. Copyright
- What copyright protects
- Copyright ownership
- Avoiding copyright infringement
IV. Trademarks
- Obtaining trademark protection
- Clearing your company or product name
- Using trademarks of others
V. Trade Secrets
- Protecting your trade secrets
- Avoiding infringing others' trade secrets
About the Speaker
Professor Bryce C. Pilz is a Clinical Assistant Professor of Law in the Entrepreneurship Clinic at the University of Michigan. He represents tech startups concerning intellectual property, incorporation, and financing matters.
Prior to joining the Law School, Pilz practiced at Kirkland & Ellis LLP in the firm's intellectual property practice and clerked for Judge Amy J. St. Eve in the Northern District of Illinois. Most recently, he served as Associate General Counsel at the University of Michigan, where he worked with the Office of Technology Transfer on startups and licensing.
Pilz was part of a team that spun-out more than 60 tech startups and entered into more than 500 technology licenses over a five-year period. Pilz also assisted in the creation of the University's Venture Accelerator at the North Campus Research Complex and advised the Center for Entrepreneurship on student entrepreneurship matters. Prof. Pilz has also served as a National Science Foundation I-Corps mentor and teaches in the University's Master of Entrepreneurship program.
Article topics: Intellectual Property , Entrepreneurship , MconneX
Bryce Pilz - Director of Licensing for U-M Tech Transfer, Bryce supports the Licensing Staff in working with faculty from around campus to commercialize inventions created at U-M. Bryce works closely with partners from other entrepreneurship-related programs around campus to support technology venture creation and entrepreneurship.
Michigan Engineering alumni, students, faculty & research


text:
Crippled by his writer's block, Paul enters into a new, exciting relationship with risk-taking Billy and super-sexy Juliette. As it becomes increasingly tangled, however, he must choose one of them over the other.
Jamie Russell, bbc.co.uk wrote:
"Likely to cause a stir because of its explicit scenes of orgies and coke snorting, what really separates The Principles Of Lust from the crowd is its edgy, dark atmosphere that combines conventional Hollywood thrillers about sociopaths – eg. Fight Club, Bad Influence – with a distinctly British, rough and ready feel. Continue reading


text:
Alright, I've been searching the internet for this type of clothing, but whenever I think I have the right name, it gives me either halloween/religious costumes, or just women apparel.
What I'm looking for is best described as a cape. However, the length of the cape ends at around your shoulder blades. The cape is connected by a button (it would have maybe 3 buttons total). Its the type of thing you would see Sherlock Holme typically wearing.
I tried searching half-cape, shoulder cape, bolera (or whatever its called, cardigan, shrugs - I just don't know what its called and Google isn't helping me out there.
Most Helpful Girl
Caplet/capelet or victorian cloak. It's harder to find mens than it is to find women's though. There are tons on etsy i think.00|00|0
Thanks, I guess people just don't make it for guys unless its for a costume haha ah well.