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New York: There's a reason Wall Street resembles a rocket experiment gone wrong: rocket scientists helped make it happen.
Known as quants, these are the mathematicians and physicists who devised the financial instruments and computer programs fueling stock markets' spectacular rise and collapse.
And while in good times they became financial rock stars, quants - short for quantitative analysts - are now being cast as villains of an industry that abandoned its values.
"They thought they could make it easier to make money, one New York investment manager, speaking on condition of anonymity, told AFP. "They thought you don't need to do your homework anymore."
Trained at leading universities like MIT, Harvard and Oxford, quants apply the logic and number-crunching powers of physics to the mess of money.
Some qaunts use mathematical modeling to analyze risk, some juggle huge quantities of economic data to understand price trends. Some run hedge funds. Some design ultra-complex securities and derivatives.
Peter Kolm, a former quant at Goldman Sachs and now associate professor at New York University's prestigious Courant Institute of Mathematical Sciences, says atoms and dollars aren't so different.
"The mathematics, the structure is similar," he said. "Any fusion process, heat flow, how heat spreads in a room, or spreads on a particular surface ... there's similar behavior in the probability of how prices change over time."
Quants entered markets in the late 1970s, becoming in huge demand by the 1990s.
They earned big salaries to produce ever-more exotic and jealously guarded products dubbed "black boxes."
Thousands of hedge funds - about 7% of the total - were based entirely on quant products, using intricate, split-second calculations to take multiple positions.
There were plenty of warnings.
Two of the most exalted quants - Robert Merton and Myron Scholes - won the 1997 Nobel economic science prize for their work on stock options, but their hedge fund Long Term Capital Management collapsed a year later.
And as far back as 2003, Warren Buffet described quant instruments as "financial weapons of mass destruction." Yet few listened: geeks were kings and their micro-chip alchemy was infallible.
The hottest quant products were Collateralized Debt Obligations (CDOs) and similar instruments like CMOs that turned high-risk toxic housing debt into seemingly safe bonds.
Quants literally appeared to have found a way to beat the system, turning the bad money of subprime mortgages into risk-free profit.
The mathematics was so complex that even traders had trouble understanding what they were selling. But the products worked.
But for all the dazzling algorithms, the quants had left out one crucial element: the possibility that the housing market might stop rising.
Which is what happened. House price fell, subprime mortgage holders defaulted en masse, and the entire economy slid into today's all-encompassing financial crisis.
Marc Pado, a US market strategist at Cantor Fitzgerald, says the disaster shows what happens when automated programs replace humans.
Kolm defends quants, pointing out that traders, not quants make the judgement calls. "Who put the blind faith in it? These were the business people calling the shots," Kolm said.
Traders didn't even want to hear about possible dangers, he said.
"Business people are going to say the same thing. They say it's profitable. Why is it risky? So you're going to be the bad guy at the party.... There are situations where risk mangers who blow the whistle, they essentially get shown the door."
Competition to enter the Courant Institute's course is down, but still intense, with 660 applicants chasing 30 places, compared to 900 eyeing 35 spots last year, Kolm said.
Still, these future Wall Street whizzes will likely learn humility instead of the old hubris.


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10014 New York
Gavin Brown's enterprise is pleased to present Pattern and Degradation, a major
exhibition of new works by Rob Pruitt. Opening on Saturday, September 11th,
Pattern and Degradation will occupy the entirety of GBE's newly expanded
galleries, as well as the neighboring gallery Maccarone, Inc. Encompassing
8,200 square feet and stretching an entire city block, the expanded GBE will
mount a succession of ambitious exhibitions and host concurrent shows across
three exhibition spaces.
Rob Pruitt's exhibition Pattern and Degradation takes inspiration from the Amish
tradition of Rumspringa, a Pennsylvania German term that directly translates to
"running around." During the Rumspringa, Amish adolescents are given the
chance to temporarily explore the outside world before choosing to either return
to the Amish lifestyle and be baptized, or leave their community forever. Folklore
holds that this is a period when Amish youth engage in rebellious behavior,
defying their culture's strict prohibitions, and indulging in the excesses of
mainstream American culture.
In Pruitt!' interpretation he is forever living a "Permanent Rumspringa" and filling
an entire city block with the exploits. For Pruitt, this is the position of the artist: an
unbridled human, indifferent to convention and with every avenue open to him -
each possibility equal to all others. In Pattern and Degradation, Pruitt will debut
several new bodies of greatly varied work continuing his exploration of American
pop-culture, trying everything before it is too late. A series of paintings based on
Amish quilts are made with spray paint and read like an amped-up version of
classic Americana. Composite self-portrait paintings piece together various
conflicting personae: masculine, feminine, artist, priest - creating a schizophrenic
identity pastiche. Identity also becomes logo in a series of silk-screened paintings
of t-shirts – Tom of Finland, Debbie Harry's lipstick kiss, smears of paint from an
artist's studio, etc.
Pruitt translates this season's Ikea wall art into lush, semi-abstract oil paintings,
and with Pollock-like squirts of paint Pruitt "ices" photo transfers of Cinnabuns.
For a new sculpture project he recycles bundled stacks of flattened cardboard
into anthropomorphic monsters with enormous googly eyed stares, and the
artist's iconic panda returns in large-scale pattern paintings like enormous
swatches of custom designed fabric.
Rob Pruitt is the artist for our time, creating and living at a moment when the
American experience is both preeminent and stagnant. Rather than feel defeated
by the diminished cultural legacy left to us, Pruitt has embraced it. He loves the
cynicism, bathes in the stupid, lies down with the empty, turns the other cheek,
and asks for an autograph. He has no answers, so he offers a joyful moment of
flat, ridiculous glitter. His love of life and seeming flippancy are forms of modern
wisdom - a radical, smiling response to an intolerable situation and a giddy
challenge to those who have given in.
About the Artist
Rob Pruitt was born in 1964 in Washington, D.C., and has been exhibiting work
internationally for the past 25 years. In 2009, in association with White Columns,
Rob Pruitt conceived and presented his performance-based artwork "The First
Annual Art Awards" at the Solomon R. Guggenheim Museum in New York. The
second annual art awards will take place at Webster Hall in December 2010.
Pruitt has been included in numerous exhibitions internationally including: "Pop
Life," Tate Modern (2010); "Mapping the Studio," Palazzo Grassi (2009); "The
Gold Standard," PS1 Contemporary Art Center, New York (2006); "Seeing
Double," Andy Warhol Museum, Pittsburgh, PA (2005); "Following and to Be
Followed" Consortium, Dijon, France (2003); Shanghai Biennale 2002, Shanghai
Art Museum, Shanghai, China (2002); "Vantage Point," Irish Museum of Modern
Art, Dublin, Ireland (2001); "Protest and Survive!, Whitechapel Art Gallery,
London, UK (2000); as well as the seminal exhibition, 'Post Human', curated by
Jeffrey Deitch, Castello di Rivoli, Museo d' Arte, Contemporanea, Rivoli, Italy
In March 2010, ABRAMS published Pruitt's first comprehensive monograph, Pop
Touched Me. A testament to Pruitt's perseverance, versatility and talent, the
book surveys almost 25 years of the artist's work and reflects his influence upon
a generation of younger artists.

subset: commoncrawl


text:
This bright new year is given me
To live each day with zest
To daily grow and try to be
My highest and my best!By William Arthur Ward
Oh William Arthur Ward, a simple poem that precisely fits the incoming year.
Happy New Year to all!
Thanks for reading #81 of 7777.


text:
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text:
Posted: 09/27/2017
Job Status: Full Time
Job Reference #: R0002766-1
Job Description SummaryWe are searching for the right candidate to join our team as a Sales Associate for our Northern California market
Job Details
Primary objectives of this position are: To achieve sales and closing objectives in a manner that is consistent with good business practices and that adheres to company policies and procedures; to represent the company in a professional manner to existing and potential customers; to achieve total customer satisfaction; and to be the primary point of contact for the customer from sale to close.
Primary responsibilities: Meet or exceed sales and closing goals; work with all departments to ensure accurate and timely information is passed along to clients; write accurate and timely sales agreements within prescribed parameters.
* Current California Real Estate license required
* 5 years; current/recent experience in production homebuilding
* Professional appearance
* Strong presentation skills
* Computer literate
* Action/results oriented
* Excellent written and verbal communication skills
Benefits of Working With Taylor Morrison
We are looking for dedicated professionals that share our values of putting the customer - and their needs - first. In addition to a great team atmosphere, career development and advancement opportunities, we offer full-time employees an extensive benefits package, to include:
Welcome to the Taylor Morrison, Inc. Career Portal
In order to be the best in the industry, you have to surround yourself with the best people. At Taylor Morrison, Inc., we are committed to being the best North American homebuilder as measured by our employees, customers, shareholders, and business partners.
Headquartered in Scottsdale, Arizona, Taylor Morrison Home Corporation operates in the U.S. under the Taylor Morrison and Darling Homes brands. Taylor Morrison is a builder and developer of single-family detached and attached homes serving a wide array of customers including first-time, move-up, luxury, and active adult customers. Taylor Morrison divisions operate in Arizona, California, Colorado, Florida, Georgia, Illinois, North Carolina and Texas. Darling Homes serves move-up and luxury homebuyers in Texas. In addition, Taylor Morrison also offers home financing though Taylor Morrison Home Funding, providing professional and knowledgeable home mortgage options.
Taylor Morrison, Inc. is always looking for dedicated professionals who share our values. Please use our Career Portal to view current job openings and apply for positions online.
Thank you for considering a career with Taylor Morrison, Inc.!
For more information about Taylor Morrison please visit www.taylormorrison.com.
To apply for this position, please click the link below. Another window will open and allow you to apply online.Apply online.


text:
At first, the local police Chief thought it was a practical joke.
But what seems like a fanciful plot device in a political novel actually happened in Glassboro 50 years ago this summer. President Lyndon Baines Johnson and Soviet Premier Alexei Nikolayevich Kosygin held a summit the weekend of June 23 to 25, 1967, on the campus of Glassboro State College, now Rowan University.
When word broke, there was a sense of disbelief in the borough, best summarized by then-Police Chief Everett Watson. "I thought somebody was pulling a prank."
Once people realized two of the world's most powerful leaders were, indeed, coming to town, the question was: Why Glassboro? Why a small Gloucester County town, with a population of just 12,000 people?
The answer: location and timing.
The summit was held against the backdrop of the Vietnam War and the recently concluded Six-Day War in the Middle East. Kosygin traveled to the United Nations in New York on June 13 for a meeting of the General Assembly on the war. During his time in the United States, he was urged to meet with Johnson. However, the president didn't want to travel to New York and Kosygin didn't want a meeting in Washington.
Enter New Jersey Gov. Richard J. Hughes, who called the White House and suggested the Garden State, located halfway between the two cities, as a compromise location.
Hughes' initial suggestions of Morven, which, at the time, served as the governor's mansion; Rutgers University; and Princeton University were rejected. Johnson asked Hughes for other locations, preferably ones near an airport but not in or near a large city, according to "Summit at Hollybush," a 1969 account of the historic meeting by Robert D. Bole.
The governor proposed Glassboro State College and later elaborated on his reasons.
"I concentrated on finding a place that typified rural America, not too fancy and yet a locale having a dignified background, which makes one think of youth and the great stake youth has in the peace of the world," he is quoted in Bole's book. "The spot that met those requirements was Glassboro State College."
Johnson and Kosygin agreed on the site. The summit was announced at 6:35 p.m. on June 22, only 16 hours before the leaders were scheduled to meet. The timing was fortuitous for the college. The meeting would take place after graduation, but before the start of summer classes, meaning the campus would be largely empty.
Time was critical as borough residents, Johnson's aides, White House staffers and members of the Secret Service raced to prepare Hollybush, the home of then-College President Thomas Robinson and his family, for the summit.
"The White House brought in furniture, china, linen and telephones for the meeting," says Lori Marshall, of Mullica Hill, Rowan's assistant vice president of university relations.
"Each room was used for a different purpose," she says. The East Parlor served as the White House press room and other rooms were designated for use separately by the Americans and Soviets.
Johnson and Kosygin, along with their interpreters, met in Robinson's library, a small room in which the two could sit in adjacent chairs and talk without distraction. New drapes were installed to ensure privacy.
The biggest change to Hollybush, however, may have been the installation of air conditioning. At the time of the summit, only two buildings on campus --the administration building and the library -- had air conditioning. In Bole's book, one White House aide recalled the heat and its impact on Hollybush, a Victorian mansion built in 1849. "If Kosygin walks into this house and it is as hot and sticky as it is right now, he will turn around and walk right out." So, a dozen air conditioners were quickly installed in six rooms in the middle of the night.
While Hollybush was undergoing its makeover, the college prepared for the arrival of media from across the country and aroung the world. Esbjornson Gym became a media center for print, radio and television.
Penny Whilden, then 22 and a member of the public relations office, worked closely with the media. "I got called into work on Thursday evening by Don Bagin (director of media relations). I had to take members of the White House press corps over to Esby Gym," the Pitman resident says.
On Friday, she was assigned to the gym, where Bell Telephone employees installed more than 350 phones and two microwave towers for newspaper reporters and television crews. "I never saw so many cables in my life. There were wires all over the floors."
The sounds of manual typewriters, teletype machines and telephones reverberated around the building. "It was loud, but you got used to it," says Whilden, now 72 and retired.
Among the journalists was Jim Dufford, likely the youngest reporter there. He had just completed his freshman year and wrote for the college newspaper, The Whit. Dufford, then 20, was able to get a press credential, thanks to Ben Resnik, a media relations staffer.
"There were camera stands set up outside Hollybush and reporters gathered around," says Dufford, now 69, who remembers CBS newsman Dan Rather in attendance. "I was in awe of those guys," he adds.
But he didn't feel intimidated. "I was treated as a colleague because I had a press pass around my neck. They were nice to me and supportive of me," says Dufford, now a Jackson resident who works in public relations.
Not every member of the media was stationed at the gym. Nick Petroni, who was 18 years old and had just completed his freshman year at Notre Dame, found himself and his family at the center of the action.
"My family had cut short our vacation to the World's Fair in Montreal and returned to our home on June 22," says Petroni, now 68, and a Glassboro-based auditor. "Lee Linder (a reporter for) the Associated Press knocked on our door around 9:30 p.m. and asked my dad if they could use our home during the summit."
His parents agreed and the wire service set up a temporary bureau in the family's Whitney Avenue home, about 50 yards from Hollybush.
Petroni was pressed into service as a photo runner. When Associated Press photographers finished shooting a roll of film, he was part of a relay team that navigated its way through the crowds and returned the film to his home to be developed. He recalls that each runner received a $100 U.S. savings bond from the AP for their work.
Anticipation grew on the morning of June 23 as crowds began lining up near Hollybush to await the leaders' arrival. Security was tight, with memories of President John F. Kennedy's assassination on Nov. 22, 1963, ever present.
Members of the Secret Service, New Jersey State Police and the Glassboro Police Department, as well as police officers from other South Jersey towns, fanned out across the campus.
"There were sharpshooters on tops of the buildings," Whilden recalls.
Johnson, who arrived first by helicopter from Philadelphia, received a warm welcome from the cheering crowds outside Hollybush. Their signs told the story: "Glassboro Loves God, Country and Lyndon Johnson" and "Congratulations, Grandpa." The latter was a reference to the birth of Johnson's first grandchild earlier in the week.
Kosygin arrived in Glassboro via the New Jersey Turnpike, having gotten an impromptu look at the industrial and agricultural facets of the state. Glassboro and its college impressed the premier. "You have chosen a beautiful place," he told Johnson.
The two leaders met at 11 a.m. and spent the first hour getting to know each other, finding common ground in the fact that they were both grandfathers. They, then exchanged their views on the world, including Vietnam, the Middle East and the nuclear arms race, specifically the prospect of limiting anti-ballistic missile systems.
After a luncheon with their staffs and key government officials, the leaders resumed talks. As the day wound down, Kosygin suggested returning for more dialogue on Sunday and Johnson immediately accepted the offer.
Outside Hollybush, the president spoke to reporters. At the end of his remarks, Johnson casually mentioned: "We are inviting ourselves to return here at 1:30 on Sunday afternoon and will continue our discussions here then."
The news rejuvenated the crowd, some of whom had been waiting in the heat for nine hours. As he was leaving in his limousine, Kosygin ordered his driver to stop the car and he addressed the cheering crowd briefly. Speaking in Russian, with Soviet Ambassador Anatoly Dobrynin as his translator, Kosygin said: "I would like to assure you that our Soviet people want only one thing -- to live in peace with you and for war everywhere to be stopped."
Sunday's talks did not produce a breakthrough, but Johnson believed the meetings were not in vain since the two leaders got the chance to discuss world issues for 11 hours. It was the first summit between U.S. and Soviet leaders since Kennedy and Premier Nikita Khrushchev met in 1961.
"It's fair to say that (this) summit has made the world a little less dangerous," Johnson said.
Lawrence P. Markowitz, associate professor of political science at Rowan University, believes the summit remains relevant today.
"The 1967 Hollybush summit between U.S. President Lyndon Johnson and Soviet Premier Alexei Kosygin, held at the height of the Cold War, provides an enduring example of international cooperation and diplomacy," he says. "Fifty years later, this 'Spirit of Hollybush' offers some hope that America can identify mutual interests, even with her greatest adversaries -- and build on them to pursue peace and prosperity in the 21st century."
Marshall says that even after 50 years, students know the history of Hollybush. It's simply part of the school's DNA.
"Hollybush and (the) summit history are part of our admission tours and there is summit 'trivia' in student and alumni activities and programming," says Marshall. "History classes and the Bantivoglio Honors program have conducted research projects and hosted seminars there to help immerse students in the history."
Somehow, Glassboro and the college had met the challenge of hosting the hastily organized, but historic, meeting of world leaders. New York newspaper columnist Jimmy Breslin, who died in March, captured the scene best. In describing the moment when Kosygin addressed the crowd at the end of the first day of talks, he wrote:
"When the people who govern the world think of the world as they would like it to be," he wrote, "they are thinking of Glassboro, N.J., at 4:45 on a hot summer afternoon yesterday."


text:
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A new breed of digitally connected brand advocates is emerging that brands need to pay better attention to, according to a new study by Geometry Global, a specialized brand agency funded by G2, Ogilvy & Mather and JWT.
About 80 percent of consumers are digitally engaged in some way and of those, 25 percent are brand-connected advocates (BCCs) super fans that actively seek a relationship with the brand, according to the study, which was published in conjunction with EXPO Communications, an online video platform that conducts market research.
Unlike consumers simply looking for freebies or those seeking to promote themselves, these digital consumers want to be shown appreciation by the brands they endorse, says Daphne Kwon, chief executive of EXPO Communications.
"BCCs want to be acknowledged by brands. They want to feel valued by you," Kwon told participants at the Ad:tech conference in New York this week. "Too often brands pay them short shrift."
The study is based on interviews with 699 digitally connected consumers as well as 300 people from the general population. Digitally connected consumers, according to the study, either post about brands, at brands, or are seeking brand information. BCCs, however, distinguished themselves by posting to and about brands several times a week, both on their own social networks as well as on official brand pages.
The majority of these users were females between the ages of 18-34, employed full time, who had kids and were in charge of the household grocery shopping, according to Ken Madden, head of digital, North America, at Geometry Global. These consumers were also found to shop more frequently than others and their interactions with brands continue to influence their purchasing habits, says Madden. Their recommendations, in turn, are influential on the purchasing decisions of other digitally connected consumers, making them a valuable brand asset.
Overall, the study found that whether or not brands respond to consumers has a large impact on the future buying behavior of digitally engaged consumers. About 40 percent of those satisfied with an online exchange were found to purchase more from that brand, with two in ten of them making a purchase for the first time, Madden says. But the results when they didn't get a response -which happened more than half the time – were serious: about 70 percent of those people stopped buying from the brand altogether.
Brands don't have to look far to find BCCs, according to Kwon. Most of them post on Facebook, on the company's website or are YouTube subscribers. "They make themselves known to you. But you have to round them up and communicate with them," she says.
Brands need to ask themselves how these BCC's can add value to their own efforts, but also ask themselves how they can best reward their brand advocates.
"Ensure that you have a structure to stay engaged and then celebrate the content that they produce," Kwon recommends. "They want a relationship, not to win a prize."
Many companies make the mistake of asking fans for a one-time contribution of a jingle or a logo, but then fail to follow up. "They expect you to be there. 66 percent of BCCs for example, checked back on the brand page they posted on to see if their review was answered. They are proud of themselves and they like it when you celebrate them," she notes.
She cited the example of P&G house cleaning products subsidiary Swiffer, which earlier this year utilized video product reviews from Facebook fans to create buzz ahead of its June launch of its new Swiffer Bissel Steam Mop product, Steamboost.
In March, Swiffer announced on its Facebook page that it was taking applications from consumers who wanted to test out and review a new "top secret" product. Those who applied were asked to take a six minute survey and, if chosen, to film a video review of the new product. Around 60,000 consumers applied and the campaign generated 2 million social impressions, according to Kwon, although she said P&G wouldn't release information on how many consumer reviews were featured in the end. Swiffer posted the resulting videos on at Swiffer.com, in display ads on Walmart, Target, and Drugstore, as well as on Twitter, Facebook and YouTube.
"They celebrated the content to create SEO impact and start the buzz without a dollar of paid media," says Kwon. "Content can move your business."
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9531 ELIZABETH HOWE LN, Owings Mills, Maryland
$2,3003 Beds2+ BathsActive
$2,3003 Beds2+ BathsActive
9531 ELIZABETH HOWE LN, Owings Mills, Maryland 21117 - Spacious end unit townhome in New subdivision of Ballard Green.Almost new. Built in 2014. Large living room. Modern kitchen with 42" cabinets, Granite counter top, Island. Stainless appliances. Hardwood floor on main level. Club house, pool and elementary school is under construction.
Listing Courtesy of Long & Foster Real Estate, Inc.


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|» Products
|» Wooden Temple
|» Indian Wooden Temple
Indian Wooden Temple
Product Code : tn
Product Description
We are praised by our clients as a reliable entity by manufacturing and supplying best quality Indian Wooden Temple. Our experienced craftsmen design this temple with advanced tools and techniques by using best quality wood sourced from the authorized vendors of the market. The offered temple is extremely appreciated by the clients for its intricate designs that give a stunning look to the residential and commercial places as well. The offered Indian Wooden Temple is available at the affordable price from us.
- Weather withstanding capacity
- Durable polish
- Attractive design
Near India Bulls Mall, New Pali Road, Jodhpur - 342013, Rajasthan, India
Mr. Mahaveer Singh (Managing Director)


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A performance-focused Classical programme that centres on one-to-one tuition in your principal study instrument, voice, or composition.
Students on the classical BMus course benefit from 12 hours per trimester of one-to-one tuition with one of our instrumental, voice or composition professors (equating to 24 hours in total for the academic year). All students have 24 hours of performance class or composition seminars. Piano, woodwind and voice students additionally have 24 hours of specialist classes per year. We do not offer traditional (folk) instruments or electronic keyboards as principal study.
Your skills as a performer or composer will be further enhanced through the study of courses in Music History, General Music Skills and aural work. In the second and third years, modules in Core Music Skills and Applied Music Skills allow you to develop your abilities in a range of subjects that are key to professional development such as conducting, keyboard skills, orchestration, and composition. The practical application of orchestration and composition is emphasised through workshops with instrumentalists.
Why Music at Edinburgh Napier?
Edinburgh Napier University is a recognised centre of creative excellence for music. Based in the Scottish city with the biggest arts festival in the world we are proud of our continuous innovation and improvement since our beginnings in 1968.
Based at Merchiston campus within the Ian Tomlin School of Music, you will:
- benefit from the latest technology, state-of-the-art facilities and industry advances
- receive conservatoire-standard training from experienced, professional musicians
- take part in our lively programme of regular performances
- have the opportunity to join our choir or orchestra
- attend lectures, tutorials, laboratory sessions
- receive one-to-one tuition and support as well as studying independently
- polish and enhance your musical skills
- be living and studying in one of Europe's most vibrant cultural cities
Ian Tomlin
Course benefactor Ian Tomlin has had a long association with the music programme offered at Edinburgh Napier University. After initially making a donation to the programme, he set up a permanent endowment that benefits students on our classical study stream. In addition, he set up a Maltese scholarship for students, See Fees and funding your study below.
Visit: Living and studying in Edinburgh.
What you will study
Year 1
Compulsory: Principal Study; Western Art Music; General Music Skills. Options from: General Music Skills 2; Music Cultures; Music Technology.
Year 2
Compulsory: Principal Study; Western Art Music. Options from: Popular Music Culture; Core Music Skills (strands in orchestration, composition and conducting); Jazz 1 – America; The Business of Music.
Year 3
Compulsory: Western Art Music. Options from Principal Study; Jazz 2 – Europe; Instrumental / Vocal Teaching; Ensemble Performance; Music in a Globalised World; Introduction to Music Therapy; Applied Music Skills (strands in orchestration, composition, conducting and keyboard skills); The Business of Music.
Year 4
Compulsory: A major project, taking the form of either a Music Analysis portfolio, a Dissertation or a Public Recital. Options from: Music and Aesthetics; Dissertation, Entrepreneurship in the Music Industries; Music Analysis; Principal Study; Instrumental / Vocal Teaching; Jazz 3 – Local; Music Psychology; Ensemble Performance; Music Research Project.
Who you will study with
Core Staff:
Nicholas Ashton
Dr Katrina Burton
Kenneth Dempster
Dr John Hails
Paul Harkins
Michael Harris
Dr Haftor Medbøe
Visiting lecturers:
Lise Aferiat
Joan Busby
Simon Coverdale
Ruth Ellis
Andrea Kuypers
Sue McKenzie
Marcus Pope
Angus Ramsay
Simon Thacker
Jane Waters
Taylor Wilson
Entrance Requirements
SQA Higher ABCC
A Level BCD
Irish Leaving Certificate A2, A2, B3, B3 at HL
Essential Requirements
SQA Higher Music at Grade A and English or other Literary subject at Grade B. A Level Music at Grade B and English Grade C plus Grade 5 ABRSM Theory Test or Trinity Guildhall Grade 5 Theory Test.
Applicants are required, as part of their audition to demonstrate practical music skills which equate to ABRSM Level 8 Practical or equivalent.
HNC Pass in Music or related subject with B in graded unit
HND Pass in Music or related subject with A at SCQF Level 8 in graded unit
Audition and interview.
We suggest that you pay particular attention to writing a strong personal statement when applying through UCAS and clearly indicate your principal instrument.
High quality representation on YouTube, Soundcloud or similar platforms.
Ian Tomlin School of Music, Merchiston campus, Edinburgh
How to apply
Applications for all of our full-time undergraduate courses are processed through the centralized Universities and Colleges Admissions Services (UCAS) system. Whether you are at school or at college the application process is the same: apply online at www.ucas.com.
You'll need the correct course code (W:302) and institution code for Edinburgh Napier (ENAP E59).
This course is also listed on the UCAS website. Please check this site before cokmpleting your application just in case the course title is changed in the future.
Visit: UCAS
Fees and funding your studies
Edinburgh Napier University has lots of funding options available. Visit the university's main course page for current fees and links to the University's rough guide to living costs in Edinburgh and options for funding your study.
Maltese Scholarship Programme
On his retirement to Malta in the 1990s, Ian Tomlin discovered the wonderful musical talent there and was inspired to broaden his support to the Ian Tomlin School of Music by creating a generous scholarship fund for young musicians from the Maltese islands to attend Edinburgh Napier. These scholarships are only available to residents of Malta and are awarded according to need and musical ability.
Career destinations
92.3% of Edinburgh Napier undergraduates are in work or further study within six months of leaving (HESA, 2014). We also offer a unique personal development programme called Stand Out.
The music industry is notoriously competitive, particularly in the area of performing. Employability is a major focus of this degree, giving students the opportunity to explore a range of pathways.
We offer industry informed courses which combine the optimum balance of theory and practice to equip graduates for success. Although the undergraduate and postgraduate programmes follow differing academic and music industries paths, the pervading ethos, standards, and principles within the academic environment of the subject group produce well-rounded, proficient graduates with the capacity to thrive in a range of personal and professional contexts and settings in fields directly related to music, and in the wider graduate job market.
Our BMus (Hons) graduates go on to work in the fields of:
- performance
- composition
- community music
- music education (classroom and instrumental tuition)
- music therapy
- music management
- and because creative skills are transferable and valuable to a number of other industries, a wide range of careers, such as arts administration and management.
Many of our graduates go on to further study in performance, composition, musicology, music therapy and teacher training. Students who wish to consider further practical study at postgraduate level may specialise in recital performance in 4th year.
Visit: Stand Out – Graduate Support at Edinburgh Napier University.
Gisele Grima
Following my graduation from Napier University, Edinburgh, I was selected for postgraduate study at the RNCM. The BMus (Hons.) course at Napier served as a strong foundation for important aspects related to my music career, such as performance development, collaborative work, understanding the importance of research and delivering presentations, to mention a few. What I found to be most beneficial was the balance between the academic modules and performance modules – both of which were given equal importance at Edinburgh Napier University. This holistic approach equipped me with the necessary skills to move on to further study, to develop as an all-round musician, and eventually establish a career in music.
After moving back to Malta in 2009 I became involved in education, teaching music, and inspiring young primary school children to enjoy all things musical. I recently moved on to freelance and my career is now prioritising performance, accompaniment, piano teaching, and student coaching.
Alexander Vella Gregory
I was born in Malta in 1984, and have studied piano with Paul Borg and Dr Joanne Camilleri, and obtained a Fellowship of the London College of Music (FLCM) diploma in 2013. In 2002, I was awarded the Ian Tomlin Napier/Malta Music Scholarship which enabled me to pursue a B.Mus(Hons) degree in composition at Edinburgh Napier University, where I studied with Kenneth Dempster. I graduated in July 2006 and have since been active as a composer, pianist, accompanist and teacher.
I am also a continuo player with the Valletta International Baroque Ensemble. I am the Artistic Director and a founding member of the Cappella Sanctae Catharinae, Malta's only male choir, as well as a board member for St James Cavalier Centre for Creativity and a Trustee of the Ian Tomlin Malta Edinburgh Scholarship Trust.
I am currently undertaking a Phd in Music Composition at Edinburgh Napier University with Kenneth Dempster and Dr Katrina Burton. My area of study is using the urban environment as a basis for creating musical works focusing on the city of Valletta, Malta. The research examines historical, anthropological, cultural, political and demographic aspects of the city and the ways in which these can be analysed and questioned through artistic means.
The current research marks another step in a long and fruitful relationship with the School of Music at Edinburgh Napier University, where I have had several opportunities to discuss work with peers and gain valuable lecturing and research skills.
Clare Brady
Since graduating with my BMus degree in music in 2009, I completed an MMus degree in Advanced Musical Studies at Royal Holloway, University of London, before being accepted for a fully AHRC funded PhD at Royal Holloway, studying with Julian Johnson.
My area of research covers little examined aspects of aesthetic engagement with the singing voice, with specific reference to the work of avant garde composer Luciano Berio. As well as academic work, I have also performed with the Royal Holloway Chapel Choir, Holland Park Opera, London Contemporary Chamber Choir, Vocal Constructivists, and London Philharmonic Chorus.
The BMus course at Napier University helped me to develop and maintain an interest not only in the academic and theoretical aspects of musicological study, but its relevance in an applied, performative musical context, through its strong emphasis on academic study alongside performance tuition.
Hannah Ross
I graduated from the BMus course in 2010, having followed a fairly even split of performance (on piano) and academic studies, with modules in keyboard skills, music therapy, conducting and instrumental teaching in the earlier years. I wasn't sure at the beginning what I would like to do career-wise so it was great to get a taste of different things.
During my third year I had repetitive strain injury in both wrists and while I couldn't play, I got involved with helping run lunchtime concerts. A lecturer suggested I go and volunteer at a classical music festival and after a summer at Cheltenham Music Festival, I knew that arts administration and event management was what I wanted to do.
I am currently working full time for Music in Hospitals, arranging concerts in care units across Scotland, and freelance for Love Music Community Choir. My time at Edinburgh Napier University gave me focus and perseverance, the opportunity to learn how to manage concerts, and the chance to network and engage with a wide range of people.
David Fettes
I graduated from Edinburgh Napier University in 2012 with a first-class BMus (Hons) degree. I chose this course as it integrated a wide-range of academic studies with performance modules. Shortly after graduating, I began working for the National Youth Choir of Scotland as the Office Administrator, thanks in part to my now extensive knowledge of classical music and singing. After a few months, I was promoted to the Marketing department of the organisation, where I am still working today. Part of my job is the research, preparation and writing of programme notes, which utilises the invaluable skills gained from my academic studies.
I also currently perform regularly around Scotland as a solo singer/guitarist. My vocal tuition and the numerous performances throughout my time at Edinburgh Napier (operas, public recitals, vocal classes etc.) gave me the experience, training and self-confidence needed to maintain my career.
The dedicated and passionate staff inspired me to develop not just my knowledge and understanding of music, but my creativity. I became a confident performer, a shrewd analyst, an imaginative composer, a strong leader, and much more besides.
Erica Sinclair
I graduated from Napier in 2013, and from there continued my studies at Birmingham Conservatoire; I am near the end of my second and final year on the MMus programme in Instrumental Performance. The BMus course at Napier allowed me to specialise in performance, not only as a soloist but also in chamber and orchestral ensembles, and to gain experience in contemporary music performance; this has served me well in my postgraduate studies, as I regularly play with various-sized ensembles, and also for composers' projects.
During my undergraduate studies I was encouraged to perform outside of the university, and was lucky enough to be chosen as a concerto soloist in my final year with the chamber orchestra. Specialising in performance meant that I not only performed in front of people, but also gained experience in other aspects of putting on a concert, including promotion, concert management and front-of-house; and the mix of module options meant I was also proficient in composing, arranging and research. Again, this has served me well in my continued study, and my increasing activity outside of the conservatoire.
Jennifer Cuthbertson
I graduated in 2008 with a First Class BMus(Hons) degree and winner of the David Macmillan Memorial Brass Prize. I am passionate about music education and since graduation have been working as a peripatetic brass instructor, teaching students of all ages and abilities in individual and group tuition. Working with young people has also led to experience in leading small brass ensembles, and conducting student wind bands and orchestras.
After relocating to Dubai, U.A.E, to join the staff at Centre For Musical Arts, I am about to complete my seventh year within the company. During that time I have enjoyed a diverse range of responsibilities, joining the management team in 2014 as Manager of General Music Activities and Workshops, responsible for co-ordinating and administrating the activity programme.
I thoroughly enjoyed my time at the Music School, and appreciated the chance to enjoy a diverse programme of studies through the modular system, which enabled me to create my dream degree and tailor my course to suit my interests. The broad range of topics available for study, I chose a mix of performance, academia, composition/arranging, conducting, teaching and keyboard skills, helped prepare me for real life as a musician and a teacher. The degree course provided me with a solid knowledge of practical, useful musical skills which I have had the great pleasure of passing on to my own students.
David Thomson
I studied on the BMus programme at Edinburgh Napier from 2009 – 2013. I now work full- time as an Instructor of Piano & Singing with Berkshire's instrumental tuition service, Berkshire Maestros.
The skills and experiences I gained at Edinburgh Napier prepared me well for the various roles an instructor is required to fill. By regularly participating in performance classes, ensembles and recitals, I grew in confidence as a performer and became accustomed to working with and presenting to groups. Weekly lessons with my instrumental/vocal tutors improved my technique and performance skills immensely and I learned from them how to receive/present feedback in a constructive way – a necessary skill in my current post. The inclusive and encouraging atmosphere at Edinburgh Napier meant that students forged good working relationships with each other and their lecturers and I try to adopt a similar approach to my own teaching.
Studying at Edinburgh Napier was a engaging and rewarding experience and I wouldn't hesitate to recommend the BMus course to anyone thinking of a career in music education.


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A South Holland care company is continuing to breach legal requirements and has been issued with warning notices.
Atlas Care Services was inspected last year and four breaches were revealed by the Care Quality Commission (CQC) inspectors.
A follow-up inspection was conducted in June to check the company had followed its plan to meet the requirements. This report has just been published.
"On this inspection we found that the provider had not addressed two of the four breaches of legal requirements we identified in September 2016," the report says.
The CQC has issued a warning notice requiring compliance with all legal requirements by October 31 in two areas; monitoring the service and organising staff resources consistently and effectively.
The service was previously told it required improvement in four of the five key areas.
The most recent inspection looked at three of the five, and improvement is needed in all of them.
It was noted that Atlas had been rated good for caring.
Atlas Care Services, of Tate Business Park, Dozens Bank, Pode Hole, looks after people in their own homes and has more than 300 clients in the area.
"We found the provider had made changes to the way any concerns and complaints were handled and legal requirements in that area were now met," says the report.
The inspection also noted that the company had introduced a new system to ensure the commission was notified of any significant incidents relating to the service and the legal requirements in that area was also being met.
Clients told inspectors of continuing concerns over scheduling of calls and late arrivals of staff – some 10.5 per cent of calls in April were 20 minutes or more late – equating to 3,510 calls.
The report said consistent improvements were necessary.


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The pro-life cause persists—and continues, by some metrics, to gain ground—despite the shift towards "progressive" mores on issues like same-sex marriage
The people who get abortions on TV are different from the people who get abortions in real life.
A new study finds that one-fourth of babies born at 22 weeks survived with intensive care—two weeks earlier than the current viability standards built into abortion law.
Last year the NYT print edition passed on covering the March for Life. The media's biases will just as likely be at work this year.
Pro-life and pro-choice groups have come together to support a woman suing UPS over pregnancy discrimination. The two sides share more common ground than the media often suggest.
The recent GOP victories on the state level could mean a renewed attempt to pass abortion restrictions. Indeed, pro-life advocates have a number of reasons to be excited.
Entrepreneur Jonathan Rothberg has raised a million dollars from serious investors to produce a portable ultrasound machine that will be cheaper, faster, and more precise than existing technology. If it succeeds, it will have wide applications—but one unexpected effect may lie in discouraging abortions.
When the ACA was first passed, President Obama offered a compromise on federal abortion funding to pro-life Democrats whose votes he needed. Now a new GAO report suggests that compromise is lapsing in implementation.
According to California, elective abortions are "medically necessary" care that must be covered by all employers. The next big conscience fight could be here.
Richard Dawkins was recently forced to apologize for his recent remarks advocating abortion for babies diagnosed with Down Syndrome. But most of them are actually aborted.


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Studios Marios
Studios Marios is a 3-star hotel providing a beautiful accommodation near to Art of the Loom Gallery, Perissa Beach and Monastery of Profitis Ilias. Built in 1997, the welcoming hotel was renovated in 2011.
The hotel is in the great location steps away from a museum and a monastery. Santorini Island city center is 4 km away.
Quick access to bars, a cinema and restaurants is provided.
Studios Marios Hotel offers 16 rooms fitted with a laptop safe, multi-channel television, individual climate control, a work desk and a kitchenette for a comfortable stay in Santorini Island. The guestrooms look out on the sea. Guests can also use a dishwasher, an electric kettle and kitchenware.
Refreshing drinks are offered in the poolside bar. Zorbas Taverna is about 100 meters away and serves Greek and American specialties.
Offering bicycle and car rental services, Studios Marios Hotel induces guests to explore the area.
Beach facilities at Studios Marios Hotel include outdoor chaise lounges and umbrellas. Various activities, including snorkeling, diving and horse riding, are available on site.


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Vijayawada is the commercial capital of Andhra Pradesh, and located in a highly fertile rich and economically active area. McKinsey considers Vijayawada as a Global City of the Future.
The Krishna river cuts through the city, and the plains around the area have their soil considerably enhanced by its presence. Another natural relief to Vijayawada's urban sprawl is the Kondapalli Reserve forest located on its western outskirts spread over almost 30,000 acres and home to a variety of flora and fauna.
The major crops in the area include sugarcane, rice and mango. But Vijaywada is best known for its industrial output, including automotive parts, power projects, heavy electricals, heavy machinery, engineering, and railway wagon production.
Vijayawada is an important road, rail, and air link for the northern part of Andhra Pradesh with the rest of the country. The city is one of the most pleasurable in the area to live in with over 60 parks, well maintained utilities, and many opportunities for entertainment and revelry.


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Great Tropical Vacation Spots
February 5, 2012 by Nico Colotti
Filed under Travel
Would you like to discover some great tropical vacation spots? If so, this article is for you. Here you'll read about three incredible tropical vacation destinations renowned for great climate, well developed tourist facilities and many interesting things to do.
1. The Caribbean
The Caribbean is a group of islands separating the Gulf of Mexico and the Caribbean Sea from the Atlantic Ocean. The region consists of 13 sovereign states and 17 dependent territories. It's one of the most popular tourist destinations in the world famous for incredible white sandy beaches surrounded by turquoise water, dazzling diving sites and tropical rainforests.
Most Caribbean countries and territories are expensive, because the majority of things have to be imported from the mainland. Some cheaper destinations include: the Dominican Republic, Jamaica and some smaller islands such as Aruba or Guadeloupe. Caribbean is a great vacation destination all year round but you should avoid the hurricane season.
2. Fijian islands
Fiji is an island country which lies in the South Pacific Ocean, about 1,300 miles northeast of New Zealand's North Island. Fiji is one of the most inexpensive destinations in this expensive region. Thanks to this, it's a popular tourist destination for visitors from all over the world, and particularly popular among scuba divers (because of world-class diving sites) and honeymooners.
Fiji offers both affordable local guest houses (on the largest islands of Viti Levu and Vanua Levu) and more expensive beach resorts as well as luxurious resort islands. Fiji enjoys tropical marine climate which means that it's very warm all year round with minimal extremes.
3. Vietnam (South East Asia)
Vietnam is located in South East Asia and it shares the border with Cambodia, China and Laos. It's unquestionably one of the cheapest countries in the world. 10-20 US dollars will get you a very nice room or a bungalow, street food costs about $1-2. Vietnam is still an undiscovered tourist destination which makes it an interesting alternative to more developed South East Asian countries such as Thailand or Malaysia.
Because of very low prices, Vietnam is a perfect tropical vacation destination for people who want to enjoy great vacation, yet don't spend a lot of money. Vietnam is renowned for great beaches, beautiful landscapes (such as Ha Long Bay) and interesting archaeological sites.
I'm sure that each of these places is a great tourist destination for people interested in tropical vacation. Keep in mind that although each of these places has a great weather all year round, you should avoid the wet season and the hurricane season. Enjoy your vacations!
If you want to learn more about Mexican tropical vacation spots, check out our site Tropical Vacation Spots.
Not Just Plain White Diamonds Any More: the Ne west Eternity Wedding Band
January 22, 2012 by Felicia Chase
Filed under Travel
When it comes to history, diamonds have a very long and fascinating record as one of the most intriguing gemstones on the planet. You may be familiar with the term, 'Diamonds are Forever', made popular by the De Beers advertising campaigns and for good reason. Forged billions of years ago, long before dinosaurs roamed the planet, they have survived the forces of nature to reach us. They have been used throughout the ages as bearers of mystic powers and incredible beauty. Through the centuries they have been revered and admired by many civilisations.
Of course you will want to keep in mind your budget, your setting, and the metals that will be used in conjunction with the piece of jewellery you are creating or purchasing. Each of these will have an impact on the finished product. Good choices for diamonds are 18ct gold or platinum. In recent years platinum has become the choice for diamond jewellery as the metal is very hard and durable complimenting the gemstone properties.
"Carat" of course refers to the weight of the gem; a carat is equivalent to about 2 decigrams, or a mere 1/150th of an ounce. That means the largest cut, polished diamond in existence – the famed Star of Africa – weighs just a little over 2-1/4 pounds.
It is believed that the first diamonds were discovered nearly 3000 years ago in India. They were considered valuable because of their ability to refract light and were used as either decoration or as talismans – for protection and warding against evil.
Of course, loose diamonds are not really jewelry until they are placed in a setting, such as a ring or necklace. Even the finest diamonds' value can be affected by the setting; it is a value-added aspect of diamond jewelry.
Shop Eternity Rings & Bands: channel set ruby ring & pave platinum eternity band!
How To Determine The Best Cruise Line
January 19, 2012 by Chris Borg
Filed under Travel
Taking a vacation is what many people live for. Yes, of course people work everyday to meet the necessities of life. It is the effort of that work that makes a person desire to get away and enjoy themselves. Sometimes taking a vacation is all about relaxation which is prefect for cruising. The best cruise line that a person can take is the one that meets their needs.
There are multiple brands of cruises. Some of these brands are more known than others, but each bares their uniqueness. This uniqueness can come from so many different things that they offer. Another difference is the experience they offer their passengers.
Norwegian Cruises offers many entertainment and dinning choices. But they are known for their freestyle cruising. This allows guests to choose when they eat and participate in activities. On most ships guest are assigned to dinning time and table. Freestyle cruising gives the passenger more freedom.
Royal Caribbean Cruises are the greatest for people looking for a lot of adventure. Their ships are built with activities from on board surfing, rock climbing, and an on board ice skating rink. They also have a place called the Royal Promenade for parades.
When speaking about children and cruising it may be the most fitting to select ships that are designed specifically for children. There are brands that have Disney and Nickelodeon characters on-board. The activities are specifically designed for children.
The best cruise line for any person is based upon their needs. Most cruise-lines can be great for the right person. Everyone is looking for a specific type of occasion. Therefore, when a traveler finds a ship that meets their needs they have found the best ship for them.
Get the advice you will need to choose the best cruise line easily! You can find the best cruise line for kids and enjoy an fun and exciting family vacation now!
Tricks on Good Ways to Sell Timeshare in CA
January 18, 2012 by Andy Dungle
Filed under Travel
Owning timeshare is handy for holiday trip along with your family members and enjoy ones. California is among the most well-known holiday spot; it really is frequent that a lot of folks invest one particular or a lot more timeshares in California. It is renowned for its gorgeous beaches, delicious food and drinks, and Hollywood attraction. But there's a time once you decided to sell timeshare in California, whatever the cause you should stay away from blunders that a lot of timeshare owners created when selling a timeshare.
There are lots of affordable reasoning when individuals purchase a fractional holiday ownership; probably the most typical is they fall in adore using the location. Whilst the apparent benefit of holiday ownership is the fact that you do not need to invest complete house cost to secure your correct to make use of the house. But you will find some disadvantages of getting timeshare which they by no means told you within the 1st location:
-Timeshare is all overprice
-Maintenance charges are high and only get greater in time
Each and every week there are lots of individuals willing to sell timeshare, particularly in California. Maybe they're bored with they presently have, or discover significantly much more thrilling location, or some unfortunate cause like lack of cash or divorce. Whatever your cause is, you have to know how you can sell the house quicker and in most efficient way feasible. Prior to that, you have to know the typical errors that timeshare owners produced on the past:
Unrealistic price. Most timeshares sold under their purchased price. That's right, the soon you accept this fact the faster selling takes place. Set price at the right level by asking your resort about recent sale prices of similar week, you can also check online database or eBay listing.
Paying up-front fee. There are many scams out there, once you pay them up-front fee to sell your timeshare, they gone. Beware that they can also mention it using different terms, such as: advertising fee, appraisal fee, market analysis fee, etc. As long it take out money out of your pocket say thanks but no thanks to them. Selling timeshare in California takes time and effort. You need to be realistic with your expectation and most important: avoid scams at all cost.
I really needed a way to sell my timeshare and this worked. What I did was figured out how to sell timeshare for free using a resource online.
Is really a Full Time RV Retirement Lifestyle Ideal for you?
January 17, 2012 by Jason Kendall
Filed under Travel
If you dream of spending your own retirement years traveling across the country at your own leisure, a full time RV way of living could be excellent for you. For a growing quantity of retirees, full time RVing is a dream come true.
Many retired persons sell their houses and invest a big portion of the profits in high-end recreational vehicles which allow these people to begin to see the world while on a trip in comfort and style. Others have a home base, but invest most of their own time on the road.
One of the greatest advantages of a full time RV way of living for retired people would be the flexibility. When your main home is an rv, your own home actually is where your heart is. When you end up visiting an area that you do not really like, you can just leave and go elsewhere.
You can go to warmer places for the summer season and colder areas for the winter months. Many northern retired people, referred to as snowbirds, travel to the hot weather of Florida each year throughout winter. A lot of native southerners escape the heat of the summer season by traveling to the Great Smoky Mountains or the Rocky Mountains to enjoy the cold air in high elevations.
All who have family and friends spread out almost everywhere can organize their RV routes so that they can see their loved ones frequently. They never have to worry about imposing as houseguests, since they literally take their houses along with them whenever they pay a visit.
Some full time RV retired persons pre-plan traveling routes that enable them to enjoy big golf courses from coast to coast. Other people utilize their houses on wheels to go to home and away university and professional football matches, no matter where they may be held. A few full time RVers even go to the NASCAR circuit during racing season.
If you are looking forward to extensive travel during your retirement years, you just might want to consider a full time RV lifestyle. Even when you prefer to hang out to your home, you can absolutely appreciate spending some time traveling during your retirement years.
If you would like to learn more about how to full time RV, click here to learn more about how you can go RVing full time.
Great Tips For A Memorable Holiday Travel
January 10, 2012 by Dina Silva
Filed under Travel
Making early arrangements will ensure that you enjoy your vacation. First of all, you should identify the destination you wish to visit. In the scenario that you are not traveling alone ensure that the ones accompanying you have a say on the vacation destination. This will ensure all round fun.
Inquire if the destination spot has the necessary infrastructure. You do not want to go for a vacation in a place that you cannot communicate with people back home or not being able to move around due to poor transport facilities.
In most times going for vacations cost a fortune, therefore you should look for a travel agency that will help you make the necessary arrangements. With an agency, you will be advised on which spots are cheaper and the best time to go that is during off vacation seasons, because not so many people will be on vacation.
In addition to this, the agency will teach you ways in which you can save money that will cater for the total cost of the venture. Ensure you seek services of an agency that is operating legally to avoid you being swindled or given the wrong information.
Packing what you will require three days prior to the holiday travel will give you ample time on the travel day. Packing in a hurry can make you forget some very vital items needed for the trip. Early arrangements matter a lot and the following tips will help you experience a memorable trip.
Want to find the best info online for 4th of July, then visit HomeFellas and see for yourself great 4th of July party ideas!
Luxury Furnished Apartments Are Convenient
January 6, 2012 by Adriana Noton
Filed under Travel
Centrally located luxury furnished apartments are available in most big cities the world over. They are popular because of their amenities and convenience, and are cheaper than staying in a five star hotel. Their tenants are mostly people with money, people with expense accounts, or leading businessmen. A luxurious home away from home apartment is a much more attractive proposition, and a less expensive one, than staying in a luxury hotel.
When you stay in hotel you are just another face. Even though you might be there for ten or fifteen days, you never have the feeling that you are at home. When you have your furnished apartment it's different. You become familiar with other tenants in the building, you get to know the staff, you are treated as a member of the family. Then your apartment starts to feel like home.
People who rent these apartments are people who are accustomed to luxury, they know what the word means. It means a place which is distinguished by a certain elegance and style, and this is what prospective tenants are looking for. They wish to maintain the lifestyle they have had, perhaps, for a long time, or all their lives. Therefore, what they rent must be discreet, refined, and have a degree of sophistication.
For an apartment to be luxurious, it must have a top-class interior design with deluxe furnishings and fixtures, marble bathrooms and floors, fine linen and towelling, and many other touches to distinguish it from the ordinary. It must also have all electrical appliances installed, a full kitchenette with refrigerator and microwave, international direct dialling phone and internet access. And there must be a twenty-four hour maid service.
Many people stay in these furnished apartments for years. As they are people of means, they are not concerned about the cost. They can see that by living in such an apartment they are free from worry about repairs, maintenance, cleaning, or laundry, while at the same time benefiting from the convenient location and the many amenities offered. Of course, it is possible to rent for a short period, perhaps three months, but most apartment owners would prefer long-stay tenants.
There are many types of apartments. Some are quite small, with only two bedrooms, while other are huge, or might be a penthouse. The apartment buildings are usually high-rise, often with separate elevators for each one, or two, apartment units. Because they are in mid-town their location makes them convenient for every activity, business, shopping, eating out, entertainment, or whatever. Many of these would probably be within walking distance.
There is no point in renting a nice apartment if it your intention to stay in the city only a few days. However, if you have a long stay in mind, say fifteen days or more, and up to two or three years, then renting a beautiful furnished apartment is your best option. Getting to other city areas is easy as these apartments are generally near mass transit stations. Then in the evening you can do your own home cooking, then watch something on your large wide-screen television.
Should you have appointments the following day, there is no rush. You are already more or less in the middle of the city and which ever direction you take, the journey to your destination should not take long. Eating out is a pleasure too, because within a stone's throw there are many of the city's leading restaurants. People who live in them already know that luxury Mississauga furnished apartments are convenient.
Delsuites Furnished Suites & Apartments- 20 Blue Jays Way #1815, Toronto, ON M5V 3W6 (416) 296-8838 – provides executive suites or Mississauga furnished apartments in some of the best residential buildings in the Greater Toronto Area.
Travel Advice for Lake District National Park in England
January 5, 2012 by Randy Kalp
Filed under Travel
Cumbria contains the Lake District National Park and all of England's highest mountain peaks. Just a five-hour train ride from London, these three towns are great for exploring the history and natural resources of the Lake District.
Keswick: What do Beatrix Potter, Samuel Taylor Coleridge and Billy Graham have in common, besides being popular authors? They all spent time in Keswick, England. Credited with manufacturing the world's first graphite pencil, Keswick, meaning "farm where cheese is made," is now home to the Cars of the Stars Museum, the Keswick Convention–a large Christian meet up– and a film festival, as well as other festivities throughout the year.
If your planning on attending any of the town's events, a budget friendly option for those looking for a bit more space is renting one of Keswick cottages. The town is perfect for using as a home base to explore the Windermere Lake and other surrounding sights, including Castlerigg Stone Circle.
Ambleside: Situated on the north end of Lake Windermere, the town of 2,600 people contains a handful of pubs, shops and restaurants. And, while the town has its fair share of hotels and guest houses, Ambleside cottages are probably a better option for those wishing to spend more time exploring the lake and surrounding fells.
Situated on the north end of Lake Windermere, the town of 2,600 people contains a handful of pubs, shops and restaurants. And, while the town has its fair share of hotels and guest houses, Ambleside cottages are probably a better option for those wishing to spend more time exploring the lake and surrounding fells.
Windermere: Sitting less than a mile from the shore, Windermere is so small it's considered a village. More than 10 miles in length, Lake Windereme is the largest in England, and is popular spot for yachting. Cottages scattered throughout the wooded slopes provide accommodations in Windermere that are perfect for those looking for a lakeside getaway.
Learn more about cheap eats in Paris. Stop by Randy Kalp's site, BeersandBeans.com, where you can find out all about WWOOFing in Tuscany and other volunteering opportunities.
Exploring Around with a Map of Madrid
January 4, 2012 by Harvin Gulfill
Filed under Europe Destination
Getting to the city of Madrid can be exciting especially when it's your first time. You'll find that you will need to come prepared with your own map of Madrid especially when everything is new to you. It's easy to get lost in the crowd of Madrid after all.
Since Madrid is one of the busiest cities in the world, you will find that getting around can be quite a little puzzling especially when you get engrossed with admiring the city itself. You'll have to be more oriented with your surroundings especially when you travel without a tour guide. Getting lost isn't really quite fun at all. With your map, you can get around more quickly unless you have other agenda in mind.
Getting a map is quite easy. You can purchase one in bookstores or even on specialty bookstores or you can even download one in the internet and print it for your own personal use. All you have to do is to make sure that you are using an up to date copy of the map of Madrid.
You will find that locating your way around the city can be quite easy if you put Puerto del sol as your own reference point. Its located in the centremost area of Madrid therefore if you get lost you can just always head out there and find your way wherever it was that you were headed to.
You will find quite a variety of maps of Madrid. You will find roadmaps, picture maps and even tourist maps which are quite traveller friendly. They easily point you out to the hotspots of Madrid and give you an idea on how to get there.
There are quite a lot advantages to having a map of Madrid and getting oriented in one of them. You wont easily lose your way around the circular in and outs of the city especially with a map to guide you. Of course it will also help if you decide to buy a Spanish-English dictionary together with your map of Madrid.
Harvin Gulfill is the editor of Mini ferie. Here you can also read more about Bykort Madrid.
Mortgage loans
December 30, 2011 by Merthew Konthaps
Filed under Travel
89 mortgages are generally fixed charge house loan products. It usually is claimed, however, that with 95 house loans some lenders will offer you a much better interest rate when the loan to benefits is actually eighty percentage. As well, house loan profit multipliers may be cheaper with regard to 89 mortgage loans compared with income multipliers pertinent to your 90% loan to help you budget.
Regarding 89 mortgage loans, persons which don't understand that loan product to help value may be apprised that will LTV refers to a percentage with the financial loan amount based on the cost in the property. In order to even more truly show consider the next circumstances with regard to financial loan to value: When a a hundred multitude of dollar asset had been purchased which includes a house loan involving ninety five 500 funds, this loan product to benefits in such a regard is actually ninety five percent. The reason you can be loaded a high lending charge any time referring to that 89 house loans deals is actually due to the fact that if specified large financial loan to help you principles creep into play, large credit premiums are charged. 96 mortgages- The facts
That draw back to the 89 mortgage loans bargain, despite the fact that this a few percentage lodge is kind of captivating, is usually that the higher back-end monetary fee can be tacked into the quality of ones mortgage. The following fee may possibly be described as a lending cost. Considering that it is usually added to your mortgage it would increase the amount a person on the loan. For a twenty-five year span the eye quantity within this excess charge may be extensive and thus most people pays off this monetary fee in the beginning in lieu of labeling it into this house loan.
89 Mortgages depict a way with regard to the very first time buyer to take out a lending product delivering a smaller down payment to the loan provider with five-percent. The first time customer from this aspect is known as meeting your goal not necessarily ordered a house within the past three years consequently the whole host involving probable people may possibly are eligible. This 95% LTV loan (LTV = financial loan to help you value) comes with, massive, recently been favorable within the uk. Florida a short while ago has become a 2010 robust proponent of the 95 mortgage loans as well meant for first time credit seekers. 95 mortgages- To conclude
Next, most people as well inquire: What are mortgage multipliers when alluded to help you within the before copy? Profit multipliers are used just by loan companies to be able to figure out how considerably they are going to give that buyer. This income multiplier is used being a application inside loan product assessment approach. The most common mortgage multiplier is based on house earnings. For instance, a multiplier while using profit of an single income earner may well measure up the potential homeowner to get a house loan amount 3 times his or her twelve-monthly wage. Several earnings inside household may well qualify for a few and a half times the joined together entire earnings. This figure that's optimum is utilized. Prior to the credit crunch it was eventually regularly probable to uncover banks that will provide higher multiples such as five period this annual profit. Post-credit crunch, then again, this is a different account and a lot of banks usually are reduced generous using income multipliers.
Check out 95 mortgages


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Can you help with my Of Mice and Men literary essay?George and Lennie's relationship appears to be one-sided, all 'give' on Georges' side and 'take' on Lennie's. Examine it closely to discover what...
George and Lennie's relationship appears to be one-sided, all 'give' on Georges' side and 'take' on Lennie's. Examine it closely to discover what aspects of it give it more balance than appears on the surface.
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Having read the novella, if you will reread the first chapter you will better perceive the interplay of George and Lennie. One perception may be a realization that while the anthropomorphic qualities of Lennie--his "paws" and his dragging feet and hanging arms--suggest a dumb brute, but Lennie plays a very significant role as the keeper of the Dream. With his child-like innocence, Lennie insists upon hearing about the dream of the ranch as a child enjoys his favorite fairy tale. And, after so many recitations, George begins to believe that owning a piece of land may actually be a possibility. This recitation of the dream becomes an incantation for not only George and Lennie, but the old despairing Candy, who finds new hope; even Crooks awakens to the possibility that there may be a life yet for him.
Then, too, Lenny protects George physically. When Curley enters the bunkhouse and becomes belligerent after Slim derides him, he looks at the small George and bypasses him, knowing that Lennie would protect George if he were to hit him. Since this would make two against one for Curley, so he avoids George.
Finally, there is a real frienship between George and Lennie. After bemoaning the trouble it is to go around with Lennie--
I could get along so easy and so nice if I didn't have you on my tail. I could live so easy and maybe have a girl--
George is ashamed and later recites,
With us it ain't like that. We got a future. We got somebody to talk to that gives a damn about us. We don't have to sit in no bar room blowin' in our jack jus' because we got no place else to go. If them other guys gets in jail they can rot for all anybody gives a damn. But not us.
Lennie breaks in and fininshes,
But not us! An' why? Because...because I got you to look after me, and you got me to look after you, and that's why. (Chapter One)
When Lennie dies, the Dream dies and George is absolutely alone and without hope.
Steinbeck seems to go to great length to develop the typical lifestyle of the itinerent farm laborer during the Great Depression in central California. He particularly portrays this through the characters of George and Lennie as they value each other's friendship. Furthermore, he demonstrates their individually develops their characters so readers understand two different archetypical characters from the era.
Although George and Lennie's relationship appears one-sided, it is not. George receives the love and affection from Lennie an owner might receive from its dog, or a father might receive from a son. Lennie looks forward to spending time with George. When Crooks suggests George might forever leave Lennie in chapter 4, Lennie is devastated by the idea and enraged at the suggestion. This proves Lennie's familial need for George, not to mention the fact that he cannot take care of himself by himself. Although George likes to make it seem like Lennie is a pain to have around, Lennie actually gives George something to be responsible for. This might be an aspect of life George would have lacked without Lennie. George might have just blown his money all the time at places like Susy's if it hadn't been for Lennie.
These should be some ideas that help you see your prompt both ways.
One point in the story where Lennie's value and tenacity as a friend is expressed is the section set in Crooks' room. There Lennie gets angry with Crooks and clearly defines his role as George's protector (if George were to ever need one).
This is a small token, perhaps, but it is one more proof that the relationship is not completely unbalanced.
Caring for Lennie is important to George. I will add to the excellent and detailed responses of the other posters. We get some satisfaction from being selfless, the martyr's satisfaction. This is part of what it is for George. He has to take care of Lennie because that is the role he has set for himself, no matter what suffering ensues.


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The standard class structures here in Brazil are pretty much the same formula used worldwide at the majority of jiu jitsu gyms: a good warm including drills, stretching, push-ups etc, then technique from certain positions, and then sparring. But there are a lot of subtle differences I have noticed.
Jamie Hughes is from Wales, UK, and is a Brazilian jiu-jitsu purple belt under Pedro Bessa. Jamie is currently living and training in Rio De Janeiro for 3 months as part of the Connection Rio sponsored athlete programme. You can read his blog "Espanthalo BJJ" here. In this weeks blog, he outlines the differences between a BJJ gym in Rio de Janeiro versus academies back home in the UK.
In my experience here so far in Brazil, the warm-ups are a little bit more intense than back home with a larger focus on conditioning at the start of the class, also after the warm up they focus a lot on take downs here more so than many academies I've trained at. We will drill at least 50 take down entries here before moving into the technique portion of the class.
The level of instruction here is very good as it is in the UK also, but here a lot less time here is spent on drilling technique, maybe 15-20 minutes at the most compared with the 30-45 mins I'm used to back home.
Then on to the sparring section of a standard class here in Brazil, they like to do a lot of specific training here, usually from the position we have been working on during the technique section of training, we usually spend maybe 20 minutes positional sparring and then 30 minutes of free sparring.
In Brazil I feel there is a much higher emphasis on sparring and learning the techniques during live training as opposed to the more technical based classes in the UK. But I find both methods of training equally satisfying, but as a competitor myself the extra sparring is a real bonus of training here in Rio.
A few other things I have noticed are different here compared to the UK is the sheer number of higher belts that are on the mat at one given time, in the UK most schools have a maximum of maybe 2-3 black belts on the mat at any one time, here in Rio it's not uncommon to have upwards of 10 black belts on the mat, even during morning classes, so this is of course a very big and unique difference to many schools around the world in that you have access to so many talented and diverse styles of jiu-jitsu and that's just the blackbelts, not counting the very high number of brown and purple belts on the mats too.
Overall training here at a BJJ gym in Rio de Janeiro has a few major differences and many subtle differences in the way things are done, but one thing is for sure regardless of nationality, language or belt rank, here in Rio you are going to be exposed to so much high level jiu-jitsu that you will return home to your academy with many new tricks and ideas for training and competition.


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Spare Time offers an opportunity to bring together your creative community through monthly Spare Time Shares and a global network of makers. By becoming a host you will join a team of talented IBMer's and connect your studio with the broader Spare Time community.
Each Spare Time chapter is led by one person who serves as the local host. This volunteer represents his/her studio by organizing monthly Spare Time Shares.
As the primary host, you would be in charge of all the details for your studio event such as:
- Booking a space
- Finding a speaker or planning an activity
- Advertising the event around the studio
- Documenting the event
- Serving as a main point of contact for your studio
Spare Time works closely with the host to make sure all their questions are answered. All the tools they need to hold a Spare Time Shares will be provided by Spare Time including ideas for activities, planning on a budget, and how to advertise for a studio event.
Reach out on Slack #spare-time-host if you are interested in starting a chapter.


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My love affair with perfume knows no bounds. From Body Shop White Musk, YSL Rive Gauche, Dior Dune, Armani Elle (I think it was called that) through to Jo Malone. I have always loved perfume. And I am lucky in that most perfume smells nice on me so it means I can buy more of it. Right?
If you are not familiar with Jo Malone - may I suggest you acquaint yourself. Her perfumes are truly lovely and never fail to cheer me up. Red Roses is my favourite but I have about 10 bottles in total. Lime, Basil and Mandarin is her classic fresh scent and I've not met anyone who doesn't smell good in it.
So, I thought Jo Malone and me were set for a lifelong affair until one day last year when Cover Boy brought me home two bottles of perfume from this place:
Well! It was like entering another world. This is perfume for the serious perfume lover. It's not necessarily perfume to wear everyday but when you want to feel sexy or you want people to notice you, splash on this stuff and sally forth! Mimosa is my favourite but having been in the shop, I can safely say, most of them are divine. They are also very good with samples. I got my mum a bottle of perfume from here for Christmas and the woman gave me 5 samples of other perfumes.
I have over 20 bottles of perfume and I wear about 6 of them regularly. And yet, I still want more.


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