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LMM loves listener questions. If you're wondering, other people are too and doing 5 questions episodes allows us to reach more of you. Today we have 5 awesome questions from you.
Today we will answer your 5 awesome questions about individual stocks, student loans, the 4% rule, You Need a Budget, and investing 101.
1. Hey LMM!
I have a question about investing. I am using Betterment right now and hoping to start a Vanguard account soon. If I own VTI in Betterment and I own VTI in my Vanguard, is there any point to buying single stocks in Apple or Amazon or another company that is in the VTI fund since I already own those companies in my VTI funds?
There are some pros and cons to each. A good reason to own shares in a company outside of a fund is the possibility of more significant gains when that company has a good year. Say you have $1,000 in a fund, you might only have $50 of Apple within that fund.
Then Apple has a big year, you only get the gains from that $50. If you had $1,000 of Apple outside the fund, you get the gains from that $1,000. Is there is a company that you feel strongly about? Go ahead and buy individual shares after doing your due diligence.
A downside is that you when you have a fund through a company like Betterment, they do tax loss harvesting for you. We thoroughly explained tax loss harvesting here. Owning individual shares outside of Betterment can mean that you lose the benefits of tax loss harvesting.
Owning individual shares might also cause you to obsess over how that company is doing, continually checking the news to see how the stock is doing. The opposite of our "set it and forget it" investing philosophy.
2. Hi Guys,
I started listening to you guys for about two weeks and was wondering if you can help me with my student loan dilemma. I have a 0% APR credit card and want to use it to pay my student loan of $11,000. But Great Lakes who holds the loan won't take a credit card payment.
It has to be a debit card or secured credit card. I tried a company that refinances loans you mentioned in an add, but I didn't graduate from the school I went to and didn't qualify.
A 0% APR credit card can be great if you carry a balance on another card. It allows you to work on getting the balance paid off without paying interest. But read the fine print. Once the 0% APR period runs out, you could be paying a higher interest rate than you were on the original credit card. Be sure to pay the balance off in full before the APR goes up.
The reason your student loan company won't allow you to pay with a credit card may be that they don't want to pay the processing fee. They also take more risk, when you pay from your bank account, that's your money, and once you've made the payment, you can't get the money back.
A credit card company may have ways to claw back a payment. It also may have something to do with a great loophole some people have used to get around the rules about having student loans discharged in a bankruptcy.
Some people were paying their loans with their credit cards and then declaring bankruptcy. Credit card debt can be discharged in bankruptcy, so this may be Great Lakes way of closing a loophole.
If you thought you were poor in college, wait until you start paying back your student loans.Tweet This
Refinancing your student loans through Earnest is a great option, but as you found out, not everyone with student loans is eligible for those companies. Look into refinancing through Citizens Bank. The average borrower saves $1,536 per year when the refinance with Citizens.
3. Hello!
I've been binge-listening to your podcast the last several weeks and am finally getting a grasp on investment strategies, yay! My question is: does the 4% rule still apply if one is retiring early? Being conservative, I imagine it does. However, I feel like the ability to draw from a 401k/IRA (Roth if possible) at age 59 1/2 should be taken into consideration. Is this even practical?
A calculator in a recent post suggests that it is more efficient for me to invest vs. pay off my student loans faster. I agree, especially since I will likely be unable to contribute to a Roth IRA (tax-free earnings: hell yes!) in a few years as my bonus structure will change.
I think it would be useful to have a long-term "goal value" for my personal investment account (and age for financial independence) to channel the motivation of a tangible number, much like that used to pay off a debt. It never hurts to overestimate, but I'm not sure how to go about setting this goal.
P.S. Do you have a list of your favorite beers posted anywhere?
Thanks for all of your input!
The 4% rule is meant to be a rule of thumb. It's a good rule of thumb though. It can help you get to a goal number. Great, I need to have $X saved and then I can retire. If you follow the 4% rule, your money should last for 30 years.
Because everyone is different, there are some considerations you need to calculate into the 4% rule; do you want to retire early, how are you defining retirement, will you move to a higher or lower cost of living area, are you in good health, etc.?
As to your beer question, we have an awesome listener who went through every show note and pulled out the beers. Look for it soon; it's getting its own page on the LMM site!
4. Hey guys!
I've been listening to your podcasts for awhile and have been learning so much so thank you! I have a few direct questions- and I know a whilef these have been answered in podcast episodes but wanted to ask directly for your feedback.
I know you all prefer Mint, but I was wondering why this and not "You Need a Budget"? What are the main differences and why do you think Mint is better?
My husband and I have been married for almost two years and have never combined finances. Should we? Why or why not? What are your thoughts on this?
LMM has been a big proponent of Mint for a long time. It's free, easy to use, and is the first step a lot of people take to becoming financially healthy. The reason we prefer Mint to YNAB is that Mint gives you a 1,000-foot overview of your finances.
Not only can you create a budget in Mint but you can track your net worth and all of your investments.
YNAB is strictly a budgeting tool. It's excellent though for people who have irregular income, people like freelancers or real estate agents.The program budgets the money you made last month for the upcoming month which takes the guesswork out of budgeting for those who don't bring in the same amount of money each month.
Money for couples is not one size fits all. There are some things that apply to everyone though when it comes to money in a relationship. Everone must be on board. The two of you must agree on the same goals.
The conversation around money must be an ongoing one. You should meet regularly, once a month in the beginning, maybe quarterly once things are on lockdown, to check in on your progress, to find weak spots and fix them and to make adjustments when necessary.
Before children, a "yours, mine, and ours" approach to money can work. You each have separate accounts, and a joint account from which shared expenses are paid. Often one partner makes considerably more money. In that case, you might each contribute the same percentage which won't be the same dollar amount to the shared pot.
When you are committed enough to have a kid, then you have to be committed enough to combine your money. If you divorce someone, you never have to see or deal with them again. Once you have a kid, you are in each other's lives for the rest of your lives no matter how miserable it is, even after you're divorced.
5. Hey guys,
I've recently started following your podcast and enjoy it. I get a lot of great content, and can always dive into the show notes for more info. Your guests are great, and your interviews relatable.
My wife and I recently finished grad school and landed pretty decent jobs in our fields. We moved away from all our family and friends to pursue our own adventures–but ended up in an area that is blowing up regarding their housing market.
We're saving up pretty quickly while renting, even while paying off some minor student loans. We want to buy, but it seems like the wrong time.
Right now, our savings are sitting in a typical savings account, earning pennies. We want to start investing, but don't know where to start. We'd like to keep growing our nest-egg for when the market turns, and we can buy low–but we'd like something more aggressive than a savings or CD. Financial advisors seem prohibitively expensive for what we bring to the table, and I wouldn't know where to start to build my portfolio.
Do you guys have suggestions on where to start and how to take that first step? What resources might prove straightforward and not overload the info for beginners? It could make a good episode, as I know at least some listeners are in my same boat, listening religiously, taking good notes, but overall a bit lost on how to start.
Thanks for the help!
The housing question depends on whether you want to buy a home to rent out or to live in. As long as the house is cash flowing from day one, it's a good investment no matter what the market in your area is doing. Andrew designed a whole tool around doing this calculation.
If you want to buy a home to live in, it will always cost you money. Even when it's paid off because you still have expenses like property taxes and upkeep. An investment is something that makes you, not costs you money and that does not describe a home you plan to live in.
But we can't make every decision based on money. For many people buying a home is an emotional decision, a place to put down roots, to raise a family, to leave to your children. Nothing wrong with that but in this case, the market does come into play.
You may not be able to afford to buy in your area for many years or maybe ever. If you're planning to move within a few years, then you should wait until you're more settled.
We have done a lot on investing for beginners because many of our listeners come to us as beginners. It's a fallacy that your money is safer sitting in a checking or savings account than invested. When you are making less than the 1% interest nearly all of those accounts pay, inflation is eating away at that money year after year.
Start dipping your toes into investing using dollar cost averaging. Rather than dumping $10,000 into the market at once, you would invest $1,000 a month for ten months. We always recommend Betterment for beginners because the fees are low and it's easy to use.
Keep 'Em Coming
Thanks guys, we love reading your questions. You keep asking, and we'll keep answering!
Show Notes
Asahi Super Dry: A Japanese beer with a refreshing barely flavor.
Tool Box: All the best stuff to manage your money.


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A judge sentenced former media mogul Conrad Black to 6-1/2 years in prison for obstructing justice and defrauding shareholders of one-time newspaper publishing giant Hollinger International.
Judge Amy St. Eve of the U.S. District Court here ordered Black to report to prison in 12 weeks. He was also ordered to forfeit $6.1 million and was fined $125,000.
Government prosecutors had asked for a sentence between 16 and 24 years in prison, based on their contention that the fraud scheme involving Black and three co-defendants netted more than $31 million.
But a pre-sentence report sent to the judge reduced the estimated fraud to $6.1 million.
The judge told the 63-year-old Black that he had not "accepted" his guilt, that he abused the trust of shareholders and engaged in sophisticated schemes that required more than minimal planning.
Black had protested his innocence throughout the trial, claiming he was the victim of "corporate governance zealots," and promised to appeal.
The Canadian-born member of Britain's House of Lords was found guilty of one count of obstructing justice and three counts of fraud.
Before the sentence was imposed, Black's lawyer, Jeffrey Steinbach, said Black would not "knowingly harm the company" as it would cost him as its principal shareholder.
"Those are not the actions of a robber," he said, calling Black a "devoted father" and a writer of note. He also cited "scores and scores of letters" sent to court from friends, family and others extolling Black's virtues and urging mercy.
But prosecutor Eric Sussman noted Black had previously said he was being "persecuted by Nazis" and "zealots."
"He is disdainful and defiant" of the process and the verdict, heaped "scorn and contempt" on the court and "views prison in this case as a badge of honor," Sussman told the judge.
The Canadian-born member of Britain's House of Lords was found guilty on July 13 of one count of obstructing justice and three counts of fraud.


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Halebury blog: Flexible working is about effective working
At last, the debate on flexible working is moving to a higher level. For years the very words simply implied working mothers who want to work part time to fit in the school run. Now there is nothing wrong with that, but it reduces to a grain of sand the potential that true flexible working offers employers, employees and customers.
We started our business by trying to create the most effective way of working for our clients, lawyers and our business. This has resulted in what Radio 4's Today programme called 'the ultimate flexible working model', but in all honesty it was a bi-product of starting from a blank sheet and focussing on delivery not form.
Yes our lawyers sometimes work remotely, but sometimes from our office and sometimes from client offices too. Yes we count several highly qualified and experienced working mothers amongst our team, but we have several working fathers too and some non-parents who equally have the right to work flexibly. And yes our lawyers are free to set their own working hours, they do not have to do 9-5.
What they do have is complete control over delivery of their service. Provided they respond promptly to clients, deliver an excellent service and exceed expectations, the truth is that where or when they do it matters less. What's better, freed from the shackles of office politics and arbitrary structures, our team meets with renewed purpose, focuses more on the job in hand, and enjoys working more and for Halebury and our clients they do it so efficiently it helps the bottom line too.
Chris Froome, 2013 Tour de France winner, said in an interview earlier this week that the best piece of advice he was ever given was by his mother who told him to do what he loves. Having control over the way you work empowers you to do what you love and do it to your best ability.
If lawyers can do it, anyone can. Vive la revolution.
If you would like to contact Denise, you can reach her on:
Email: email@example.com
Twitter: @denisebn


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Who is your Finance Leader service target client?
The clients who benefit most from our Finance Leader service are small and medium businesses. We help you envisage your complete financial picture, and we take care of finance and accounting so they can grow your business.
What does a Finance Leader do for me? What is their role and responsibilities?
Our Finance Leaders can cover the role and responsibilities of a CFO, a Controller or a CFO/Controller. We provide executive level strategic business partnering to your management team as well as operations, the board and other stakeholders. We oversee the finance and accounting function and ensure that it is operating effectively and efficiently.
Some examples of our areas of oversight and our responsibilities include:
· Book-keeping
· Tax
· Cash-flow management
· Financial reporting – monthly, quarterly, management, stakeholder/board, compliance and other
· Treasury function
· Credit functions
· Fixed asset management
· Budgeting, financial planning and analysis and forecasting
· Financial systems and automation
· Internal controls and risk
· Strategic planning
· Business planning
· Finance projects
· Finance support and involvement in all business projects
· Profit analysis and improvement
· Banking and lending relationships
· Accounts receivable, Accounts payable and all transactional accounting
· Complex and technical accounting
· Integration and merger and acquisition advisory
· Investor relations
· Capital raise
· Investment management
· Project accounting
Do I still need a book-keeper if I hire a Finance Leader through Amplify Advisors Inc.?
All businesses have book-keeping needs. At Amplify Advisors Inc. we will collaborate with your current book-keeping or accounting finance team. We can work with them and coach them to be better business partners. We respect that they got you where you are today, and we want to help you retain good people.
I don't think I need a Finance Leader but I do want a book keeper. Do you sell just bookkeeping?
At Amplify Advisors Inc. we have connector services where we can refer candidates or service providers for any ask that relates to Finance and Accounting. Our core services do not include bookkeeping unless it is part of our Finance Leader engagements. We can place Financial Leaders alongside other bookkeeping services as we are happy to collaborate to fulfill your financial needs.
I am not very big yet and I don't think I can afford a Finance Leader. When should I anticipate needing a Finance Leader?
We think all size entities can benefit from a strong Finance Leader and the costs will be recovered through scalable growth and better financial management.
If you plan to grow you will benefit from Finance Leader service. For start-ups we recommend a cost-effective quarterly approach. As you move from a start-up to a small business ($1-5 million in revenue), we recommend you need a monthly approach. For Small and medium businesses ($5-30 million), we recommend part-time contracts for the greatest net benefits. No matter the size of your business, we will scale our service alongside you.
I am a start-up and cash-flow is a concern. Do you accept equity or other payments?
Amplify Advisors Inc. offers creative and customer-centric compensation packages. These include taking a portion of our fees in equity and accepting a portion of our fees in milestone payments (percentages of raised capital, lending arrangements or overall growth). Contact us to learn more about an arrangement that might work for your situation. Some portion of the contract price will need to be paid in cash, however we can work together to make arrangements that suit you, your growth and our business relationship.
Why choose Amplify Advisors Inc. over others for my Finance Leader (CFO/Controller) contract?
Our Finance Leaders are Chartered Professional Accountants with Big Four experience and/or Finance Leadership experience. They have held permanent positions at senior finance levels including CFO, controller, manager, director and senior manager. They know what needs to be done for both high-level and ground-level work, including finance effectiveness, change management, project management and business partnering as well as basic accounting and finance expertise.
What is your Personal Net Worth Financial Reporting Package?
Amplify Advisors Inc. has developed a monthly reporting package that consolidates personal financial information from all financial institutions that you work with in order to help you envisage your complete financial picture.
Who is the client for the Personal Net Worth Financial Reporting Package?
We see a need for entrepreneurs, professionals (such as doctors and lawyers) to have better transparency and understanding of their personal net worth. Our monthly reports are delivered in a visual, easy-to-read and easy-to-use format for your convenience. We also offer quarterly coaching calls.
Who is your Business Advisory service target client?
We can assist any size finance team with any project. Our founders have over 20 years of collective experience in the industry. Our previous clients include large, public, international companies and small start-ups in nearly all industries. Our reviews and projects include detailed recommendations that are prioritized and tangible. They also include a roadmap and timetable that management or finance teams can implement on their own or with our further assistance. Our prior projects include:
· Finance effectiveness review
· Financial close
· Close, consolidate and report
· Financial planning, analysis, budgeting and forecasting
· Procure to Pay
· COSO and internal controls
· Project accounting
· Accrual process
· System selection
· Business case and business plan preparation
· Feasibility assessment
· Workshops for teams, executives, Finance Leaders including executive coaching and business process
· Reconciliation process review and system selection
· Initial Public Offering and other readiness assessments
· IFRS & GAAP transitions
· Accounting policy integration
· Finance team and process integration
· Finance team organizational design
We also can assist in other consulting and advisory areas for small/medium business including workshops, executive planning and team events, board and corporate governance, organizational review and continuous improvement. We will endeavor to advise you for whatever needs arise.
Why choose Amplify Advisors Inc. over others for my advisory or consulting project?
Amplify Advisors has experience in finance effectiveness, change management, project management and business partnering as well as accounting and finance expertise. We are willing to get into the details and be practical and cost-efficient. We don't just offer a high-level strategic perspective: rather, we get on the ground level and implement the best solution for your needs.
We are not looking to push a transformation project – though if you need that work we are more than happy to connect you to Transformation specialists. We are also not looking to solve every issue or concern that you haven't considered, or that haven't happened yet; we are business advisors that partner with you to coach and discuss the art of the possible based on what you need now. We love quick wins, simple and cost-effective improvements that change the day to day experience of your team and allow you to be a growing and partner-gaining business.
What is the Finance Leader service?
We place part-time and contracted Chief Financial Officers (CFOs) and Controllers as Finance Leaders into companies that are ready for help beyond bookkeeping. Our Finance Leaders work with your current team and coach and lead them to be better business partners. Alternatively, we can take over your full finance function, or collaborate to find the right division of labour. We perform finance and accounting services including year-end, compliance, tax, book-keeping, credit, treasury, cash management, capital management and more for your team.
Our Finance Leaders provide the executive level strategic expertise of a CFO. They build scalable processes with practical automation that allows you to grow in a cost-effective manner. They help you understand your cash needs and your complete financial picture so that you can make the right decisions to grow your organization. They support you in your milestones - raising money, managing your bank and communicating with your board, owners or other stakeholders. A CFO is your right hand, and we provide CFO-level experience part-time and on a contract that fits the size of your small/medium business.
As a small/medium business, you want someone willing to do the work. You want a Finance Leader that is ready to step on at a controller, bookkeeper or any level that is needed to get the job done. You want someone detail-oriented, someone that isn't afraid to get into those details. We know that you likely started with a bookkeeper and the jump to a true CFO is not practical quite yet. We offer flexible, part-time and contract options that generally cover both the CFO and Controller role. As you grow we can start to help you fill the roles and responsibilities in a scalable and cost-effective way.
Who is your Connector service target client?
Some business are not yet ready for our current suite of services. These companies may want book-keeping services or accounting assistance that Amplify Advisors do not immediately provide. We provide for these clients a means of obtaining the help they need through our business connections.
What is the Connector Service?
At Amplify Advisors we are focused on our Finance leader and business advisory services. We want to work with clients to place our Finance Leaders and to perform projects. Some companies may want an employee rather than an advisor, or want services that we do not immediately offer. To ensure we can help our clients, we offer full-time and part-time, permanent and temporary placements of finance professionals through our various business connections. We work with our partners to ensure that the quality and expertise matches the clients expectations, and on occasion we refer the work to another trusted service provider. We do not specialize in recruiting and head-hunting, but we do have a host of connections that we can refer to you.
Why choose Amplify Advisors Inc. to connect?
The founders of Amplify Advisors Inc. are relationship-centric and have worked with many of the best professionals in the market. We are connected and we can bring that network to you. We do this as a trusted business partner with quality in mind. We want to see you grow and succeed and we will bring you the best for what you need.
Why Choose Amplify Advisors?
At Amplify we believe in a growing market and great client service from others only strengthens the demand and quality of services like ours. It is this collaborative value that prevents us from seeing others as competitors. We prefer to connect our clients so that they can see us as a trusted business advisor who is concerned about quality. Sometimes quality means we business partner with others. Sometimes it means we connect you to others. Most times it means we work together.
We differentiate in the marketplace in many ways. Our values differentiate us. Our team differentiates us. Our experience also differentiates us as we are bringing the best of the big – our founders collectively spent over 20 years in Big Four professional service firms (Deloitte and PwC). Our Finance Leaders are Chartered Professional Accountants with Big Four experience and/or Finance Leadership experience. We are practical in our approach and we hear what you are asking for and achieve results that meet your expectations and needs.


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Topcat Computer Services was established in 2006 based out of Hyderabad to provide customers with an end-to-end solution, Software Development & Consulting, Desktop & Laptop's Onsite Service, Computer Installation, Virus & Spyware removing, Data Recovery, Website & Shopping Cart design, Logo design, solution of all computer Consumables need including, supply & service of Computer Hardware, Imaging and Networking to all segment in the industry. While being a player in the market for only over a year and half, we have already achieved great heights with in this short span of time due to our strong commitment and unparallel service.
We care about our Clients and endeavor to develop and maintain a working relationship with each and every one, no matter how big or small. Yes, every TCS Client is highly valued and genuinely respected. We have been restructuring ourselves constantly so as to add more value to the services we provide to our clients.
Founded & based out of Hyderabad, we have now expanded into Bangalore, Chennai & Pune. This has helped us cater to our growing reputable clients.


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Pam Baker is the founder and CEO of Journeous, committed to helping young adults choreograph meaningful careers.
She founded Journeous after navigating her own journey in trying to find roles that felt as aligned on the inside as they appeared to be on the outside. While leading teams throughout her 20-year healthcare career, she saw a similar challenge for many of the young adults emerging from college and grad school, searching for fulfilling careers. Without understanding what was fulfilling to THEM, though, it was easy to end up in jobs that didn't click. As a mom of two daughters, her goal is to change the pattern for upcoming graduates – to give them the tools to understand their unique values, interests and strengths, integrate them to identify the themes that emerge, and connect the dots to move forward towards aligned careers. All in an effort to grow the ranks of spectacular leaders who gain the clarity to lead the lives they're meant to.


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Call it the last summer hurrah! Unless you freeze a boat load of sweet summer mangoes to make this treat any time you want, it's the end of this sweet season's fruit. This mango frozen yogurt is the perfect treat!
I bought an ice cream maker — then watched it collect dust atop my dining room table for 4 weeks while waiting for my broken foot to heal. It's amazing how one little broken bone can ruin so many well laid out plans. But no one intentionally fractures a bone, so I've tried to be more forgiving of myself and just be patient while the healing happens.
A little forced break time did me good actually. I got to experience the benefits of a high raw vegan diet working for me to achieve healing in record time. I mean, I did pout for a minute, and I've missed my kitchen creations, but when I put it in to perspective, it's not so bad after all.
So my ice cream maker beckoned for quite a while until I could resist no longer. My husband found the most delicious organic mangoes which I've been feasting on lately. I had coconut yogurt in the freezer from the last time I made some. All I did was thaw it out, chop some mangoes, and basically blended up the perfect frozen yogurt. Only 4 ingredients, an ice cream maker, and you've got the perfect consistency, frozen treat that you won't have to pay $100/oz to enjoy. You're welcome!
Mango Frozen Yogurt
- 3 cups homemade coconut yogurt (store bought works fine too)
- 1/4 – 1/3 cup agave (add less or more depending on ripeness of the mangoes)
- 1 teaspoon lime juice
- 2 cups sweet, ripe mango, peeled and cut in to chunks
Add all ingredients to your high powered blender and puree. Chill in fridge for at least one hour, then pour in to your ice cream maker. This is the one I got. Let it mix in the ice cream maker for 20 minutes. Enjoy, or place in freezer if you want the consistency to be thicker. Mine was perfect right out of the ice cream maker.
disclaimer: this post contains some amazon affiliate links. Every purchase provides a small commission that helps keep this blog running so I can continue sharing so many more great recipes with you. All opinions are my own. Rest assured, if I don't love it, I won't share it.


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Thousands of spectators have converged on Waimea Bay for the Quiksilver in Memory of Eddie Aikau big wave invitational today. The event is only held when the waves are judged to be 20 feet or bigger.
Held in honor of the legendary Hawaiian waterman, Eddie Aikau, it gathers the most skillful and dynamic big-wave surfers from around the globe. It is the world's longest running and most prestigious big-wave invitational and is the only one sanctioned by the Association of Surfing Professionals (ASP), the governing body of professional surfing.
Featured in the New York Times Sunday Styles, this hand crafted short board from Proenza Schouler sets itself apart from other boards with it's wave print on rice paper under a epoxy resin finish.
This is no 'collectors' board to be bought and displayed, it's made to be ridden with a full carbon fibre body and a hefty price tag you can almost guarantee noone else in the surf will have the same as you.
Order it at Kirna Zabete


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Design Notes
This wonderful, authentic-looking, high-definition porcelain tile is inspired by classic English limestone. The collection, with four colourways and three formats is perfect for walls and floors in both classic and modern interiors, and represents outstanding value for money.
Tip: Due to the nature of the manufacturing process, large format porcelain tiles may be subject to a very slight 'bow' along the length of larger tiles (60cm or larger). This slight bowing, which will fall within European Standards (and please be assured that all our tiles are CE compliant), can cause slight 'lipping' between one tile and the next. If you wish to minimize the effect of this, we recommend that tiles should be laid square, or staggered by not more than a third of a tile length, rather than laying brick-bond.
Each format sold in boxes of 1.08m2


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"Fluffy clouds in the sky"
What´s up with those clouds? Where are they coming from ?
How are they positioned if it´s not from that center grid that is used for the sky ? And why not ?
Is there something wrong with that grid ?
Not really. In fact when you get experience in creating landscapes, imaginary grids like this can help you position some of the horizontal aspects of elements in the sky like these clouds here.
I know they are a bit tilted but if their base was following the horizontal lines on this grid the effect would be ok too. In this case most of the effect is on the variation in the size of the shapes and on their location.
This grid could also help positioning details in the actual clouds, like shadows or bright areas, but it´s not time to go into this sort of details yet, so for the moment, let just pretend this is a completely wrong grid to place clouds on this pic.
In fact, using a grid like this which is focusing only on a single vanishing point centered at the middle of your canvas can bring some serious problems for the beginners.
Because i´m writing this tutorial particularly to help those people who know nothing or have very small knowledge about this type o scenery drawing, for the moment i do not recommend you try to place cloud elements on a grid like this.
Mainly because, if you´re been following my instructions, i can bet ,you would surely be trying to draw and place clouds the same way we created the volume for the houses and you probably would come out with a result like this. Lots of flat shapes in weird angles.
Which is not exactly…a natural way of presenting a sky…unless you´re looking for a cool cartoon design.
To avoid having a typical cartoon effect like this in your scenery there´s a good solution.
Like i said before, the key to create a vast and dynamic scenery is not to have all your elements focused on one single vanishing point and instead you should use several vanishing points to place your elements.
Only making sure that they relate in angle to the guide-line you defined as the horizon line for your landscape.
A good example of this is how you should create a grid to place you clouds.
Forget about this grid, wich was good to define the basics of your 3D space for the ground area but that´s it.
If you want to design a landscape that does not look static and instead has its own life and dynamics you cannot stick to design everything around a single vanishing point like this.
Nature has tons of diferent focus viewpoints, so try to diversify the ones you use when creating your scenery. 😉
What you need for the sky are clouds that can open up your scenery even more.
A good way to do this, is to choose a vanishing point to the side and pull an imaginary grid from it.
Tip: A very important element in a landscape is also the way nature affects a scenery and so in this case, having some wind blowing from one direction affects the heading of the clouds in the sky as it happens in nature.
The idea with this sky grid is to create that sense of motion up above and so that´s the reason the horizontal lines in it are tilted.
Tilting an horizon is always a good way of adding a sense of "motion" to a landscape and in this case the fact that the clouds have their base aligned to the horizontal tilted lines of the grid, creates that illusion and makes for the perfect contrast with the "solid stillness" of the ground area.
More on clouds on another tutorial ahead. 😉
Have you noticed ?
The scenery is completed. We now have a simple background with depth and dimension and also some cloud movement feel to give it life and we did all this without even adding any sort of details.
It was all done….with shapes and… perspective !!! Go figure ! 😉
What do you mean it´s not complete ?
Ok, to finish things off, lets add some green for the ground and some blue gradient to the sky. Why a gradient to the sky ?
Take a look at the sky above you. Its color is always darker above your head and gets lighter as it nears the horizon. So anytime you want to add depth with color to a landscape, creating a gradient sky is always a good start.
More on colors in a future drawing tutorial and on how you can even use color to replace detailed elements of an illustration.
Ah, but we´re not finished yet…come back !
Back to the beginning – "Intro"
Back to 1 – "Little House on the Grid"
Back to 2 – "Going 3D"
Back to 3 – "Scenery Takes Shape"
Back to 4 – "Planes & Viewpoints"
Next – "Endless worlds"


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For the past few years, avocados have rapidly increased in popularity as a trendy food item. While they may be "Instagram-worthy" and all the rage these days, Dr. Donald Hensrud, medical director of the Mayo Clinic Healthy Living Program in Rochester, Minnesota, has nothing but wonderful things to say about them.
"Avocados are a fruit and one of the few fruits that are high in fat and low in sugar," he says. "Along with nuts, olive oil and canola oil, the fat content in avocados are predominantly monounsaturated fat, which is responsible for many … health benefits." He also adds that, "Avocados also contain other nutrients including B vitamins, vitamin E, vitamin C, copper and fiber, which add to their health benefits. They have a higher potassium content than bananas."
There have been some written mentions of avocados that date back to the 1500s and 1600s that suggest Spanish conquistadores also realized the health benefits of them. In 1605, a Spanish soldier by the name of Garcilazo de la Vega described the avocado as "delicious and very healthy for sick people." It turns out he wasn't too far off from the truth.
Dr. Hensrud has also said, "In addition, the relatively high fat content in avocados is associated with a low glycemic response, which is the tendency of a food to raise blood glucose. Evidence from large populations studies suggests that consumption of monounsaturated fats such as contained in avocados decreases overall mortality."
From using avocado oil as a marinade, dressing, or cooking aide to adding it to smoothies, spreading it on toast, or simply throwing some salt on it and eating it straight, you can't really go wrong with the versatile fruit. Just remember that it is high in fat, so watch your portion sizes for a balanced meal every time.


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Thinking about the future has always been a huge challenge – and a huge adventure. Some innovations predicted three decades ago have actually become a reality in 2015, while others have disappeared into the black hole of time. Now the gripping question is: what will our world look like in 2045? Innovation expert Per Poulsen ponders whether it is even possible to predict the future that far ahead.
The audience marvelled when they looked up at the big screen in New York's AMC Theatre. Strange technology from the distant future: holographic 3D pro -jections, TV goggles, instant food, auto-nomous flying drones and even something as futuristic and exotic as a precise weather forecast service.
On this cold November night, history was written. The future was closer than ever be-fore. And some have been trying to make the predictions come true ever since. The film, of course, was Back to the Future Part II. You can argue about what they got right as they wrote the script in the mid-eighties and what turned out to be completely wrong. The drones are here, and they are used for news photography as predicted.
The TV goggles might have turned into virtual reality headsets and Google Glass, but close enough. And the flying cars are still as distant as an accurate weather service.
And then there are the big blunders. They completely missed the rise of the internet, the mobile revolution and social media, things that most of us have trouble imagining our day without, although it has only existed for a little more than 10 years.
But how would we write the script today?
What if the story was about a teenager from 2015 travelling to the distant future, to the year 2045? Is it even possible to predict a future so far away?
Sometimes the easiest way to see into the future is to look at the past. One thing that has been changing continuously is the speed of change itself. The agricultural revolution made the world feel less slow. The industrial revolution made it spin faster and the digital revolution is making us all dizzy on a daily basis. We have problems grasping the speed of change because almost all of the systems surrounding us are exponential – and humans have a fa-mously bad history in forecasting exponential changes.
Even though our lives might seem to speed up or slow down as certain things happen, we are used to a linear world. One day at a time, week after week, month after month, year after year. The scale of time is a static progression. Biological systems, however, unfold on exponential scales. One cell turns into two, two cells into four, four into eight. The systems we as humans create seem linear, but are actually exponential. Take the development of tech-nology as an example.
In 1985, the Massachusetts-based start-up Thinking Ma-chines revealed their first supercomputer, the CM-1. It was an incredible piece of work: a five-foot cube of 8 smaller cubes, in a colour that Thinking Machines employees called 'Darth Vad-er Black', in whose innards red lights flickered mysteriously. The supercomputer's internal design was based on a "massively par-allel hyper-cubic arrangement of thousands of microprocessors" delivering a screaming one billion instructions per second. It cost $5 million per computer.
Let's jump forward three decades.
In 2014 the iPhone 6 came onto the market. It followed up on the success of the iPhone 5s with an improved processor, better display, new camera and a rad-ical new design. It cost $649 and is capable of about 25 billion instructions per second.
In 30 years we have created a super-supercomputer in a pocket size format. The increase in terms of development is almost impossible to grasp for a human mind. Doubling the speed at half the price within every 18 months, since the start of computing, we will keep accelerating.
Another thing that has happened over the last 30 years is the fabric of our communities. We used to be bound by geography. Travel was expensive and time-consuming. Then came the cars, the planes, the internet. We now live in a world that is not limited by technology but rather, if at all, by policies, economics and regulation. Anyone could have access to everything – all the time. Only the boundaries of technology bind us. 'Live' is a must in any new idea. We build networks based on opinions and interests – connec-tions are like gold.
The mobile revolution has put us in touch with everything and delivered an economic hammer to back up the argument. Face-book is little more than 10 years old. It has more than 1.44 billion monthly users and a market capitalisation of $250 billion. Yes. Billion. Will Facebook still be around in 10 years? Probably. Will it still have the same form? Unlikely. Details and directions are always difficult to forecast.
The internet was pretty sure to change something, but no one expected it to change everything. And your guess is as good as mine as to where the next internet will rise or where the next social media will develop.
Technology is easy to quantify.
It's not the technology itself, however, but our use of it that changes the most. Supercomputers were only made for the most elite institutions, but you'll find an iPhone in any pocket. Companies used to make the world go round, but now anyone can upload their homemade drone video to YouTube and change the world. The power to change things has shifted from companies and institutions to single individuals.
You can implement all the technology you want, but if you have a poor service or fail to deliver a value important to the end customer, a faster computer won't help you. This, in fact, was the fatal flaw of the 1985 supercomputer CM-1. It was the fastest thing around, but it couldn't run the standard software because of its design. In the end, Thinking Machines only managed to sell seven CM-1s. This is maybe why Back to the Future missed the internet, the mobile revolution and social media: these inventions are not hinged on technology, but on psychology and sociology. If we pay more attention to technology than people, we might miss the future completely.
A famous quote goes something like "The best way to predict the future is to create it." So consider this my call to action.
As soon as wearables become "not thereables" and assisting systems become a part of us, the world will never be the same again. Just as it was never the same again after the first farmer started the agricultural revolution by creating his own field instead of harvesting wild wheat on the meadows.
The world in 2045 will be invisibly small, always connected and moving much faster that we can imagine, even if we try. But it will still follow our human nature. It will allow us to be more human. How exactly it will do that and why, is up to us to define.


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Canada Fossils
"Simply one of the rarest gems on Earth"
Canada Fossils collects and supplies authentic fossils from countries all around the world. We specialize in colorful Canadian ammonites, mammoth tusks and fully mounted dinosaur skeletons. All our fossils come with certificates of authenticity and are fully guaranteed. If a fossil requires an export permit, it is provided. The owners of Canada Fossils have dealt in fossils since 1970. The company has ventured in fossil excavations with: the Province of British Columbia, the Province of Alberta, the Province of Quebec, the University of Riga, Latvia, the University of Tartu, Estonia, and the Blackfoot Indian Nation in Montana, USA. Our company has an excellent international reputation. We are the consultant for many Japanese museums on the import and export of fossils. References can be provided upon request.
These incredible pieces bring the energy of KORITE Ammonites into your home or office for balance, prosperity, good fortune, and positive well being with Korite Decor
We are Canada Fossils
Canada Fossils specializes in the restoration of colourful Canadian ammonites, mammoth tusks and full mounted dinosaur skeletons. We also import and export a whole array of fossils and minerals from around the world.
We are regarded as a world leader in fossil preparation and the quality of our work surpasses industry standards.
Canada Fossils is recognized as the source in mining, restoring and supplying Canadian ammonites to institutions and enthusiasts around the globe. We have been excavating Canadian ammonites as well as the ammolite gemstone for more than 25 years. In that time, Canada Fossils has uncovered tens of thousands of specimens and increased the world's knowledge of these amazing fossils.
We have been preparing mammoth tusks since the early 1980's. Canada Fossils was one of the first North American companies to import mammoth ivory from Russia; our first few shipments actually came from the old Soviet Union! We are the best at restoring mammoth ivory and it shows in the quality of our work.
Our dinosaur mounting has evolved over the years and now features many cutting edge designs including position-able skulls and removable bones. We have worked extensively with museums creating dioramas and backgrounds for our skeletons that are both beautiful and scientifically accurate. After placing more than 30 skeletons in natural history museums around the world we know the dinosaur business. We are still finding and preparing skeletons on a full time basis.
We welcome the opportunity to speak with you and update you on Canada Fossils' current fossil projects. We are available to answer any questions you may have. Just fill out our feedback form and we will get back to you as soon as we can.


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HB 5511 — Department of Business and Professional Regulation
by Government Operations Appropriations Subcommittee; and Rep. Hooper (SB 1980 by Budget Committee)
This summary is provided for information only and does not represent the opinion of any Senator, Senate Officer, or Senate Office.
Prepared by: Budget Committee (BC)
The bill provides for the following:
- Updates statutory references to replace the Department of Health with the Department of Professional Regulation (DBPR) and designates the program as a division.
- Terminates the Drugs, Devices, and Cosmetics (DDC) Trust Fund and transfers funding to the department's existing Professional Regulation Trust Fund, and requires the DBPR to establish a separate account within the trust fund for the DDC program.
- Repeals the five percent tax on closed circuit (pay-per-view) boxing, kickboxing, and mixed martial arts events currently assessed by the Boxing Commission within the DBPR.
If approved by the Governor, these provisions take effect July 1, 2012, except as otherwise provided.
Vote: Senate 40-0; House 116-0


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When we visited eastern Oregon 20 years ago to learn about the reintroduction of sharp-tailed grouse, things were looking good. But now the birds are in trouble, and biologists can only hope that some newly restored prairie might be enough to keep them from vanishing once again.
First Broadcast: 2010
Producer: Ed Jahn
Videographer: Michael Bendixen
Editor: Todd Sonflieth


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Discover more about ATB Online and ATB Online Business. Click here.
Offer expires January 1, 2020
Soiled Diapers Composting specializes in the collection and composting of used disposable
Visit website
About ATB | Contact Us | Find a Branch or ABM | Current Rates | Privacy and Security | Legal | Code of Conduct | Site Map | Supplier Resources
©ATB Financial 2019. All rights reserved. ATB Financial is a trade name/registered trademark.


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What type of support do we get with our membership (fee vs. charge)?
Free MAX support for services purchased.
Where can we find support phone numbers at your website?
Go to "Contact Us" page.
Day / Time support is not available?
E-Mail Technical support is available 24 hours a day and 7 days a week. Phone, IM and Live Chat support is generally available from 9.30 am – 6.30 pm Mon-Saturday PST for sales and Tech Support.
What if our website and/or email becomes unavailable?
If our website and/or email becomes unavailable? due to reasons at your facility (or related), are we entitled to a refund for lost time?
Yes… We will offer a refund the amount of time lost regardless of duration more than 5 % in an year downtime for any reason NOT related to customer error.
Try to respond quickly and appropriately
Suspendisse eu nisl. Nullam ut libero. Integer dignissim consequat lectus. Class aptent taciti sociosqu ad litora torquent per conubia nostra, per inceptos himenaeos.
How many active customers do you have?
We are a private company and prefer not to answer this question for two reasons:
We feel privacy extends to both of "us". We do not sell banner ads on our site, will never sell your information and would only provide information about you WHEN and IF you gave us permission (as a reference as an example)
There is no right or wrong answer for you on this and for sure there is no correct answer for us. Our customer count changes daily and hourly (and we would have to update this page at all times to avoid a lawsuit by some litigious wacko) so there is no accurate answer. More importantly, IF we have hundreds or thousands of customers is immaterial. We treat every customer with the best service we can and refuse to be baited into the "you're to small to handle my business", or "You're to large to take an interest in me and my site" debate. We will be more than happy to provide references upon request.
Do you prohibit (or plan to) hosting adult content sites?
NOTE: If they do host adult content, or ever plan to, you may want to avoid them. Although these hosting companies may utilize fast equipment and connections, they push a great deal of graphic content through the pipeline, which may slow down your traffic. Not to mention the ethical rationale.
YES, we do prohibit adult websites, site consisting, threats of physical harm, child pornography, and copyrighted, trademarked and other proprietary material used without proper authorization. Pornography and sex-related merchandising, or links to such material, even if legal, are not acceptable uses of apexsol.us's servers.
Email & Spam
Is it acceptable if we send unsolicited email using your network? Perhaps only during certain hours?
Absolutely, Positively, without questions or appeal NO. Please note our General Terms of Business. Spamming (and that is what this is) will not be tolerated. And you should NEVER work with a hosting company that allows it. Such companies wind up on Spam Blocker lists and your ability to send legitimate mail may be compromised when your hosting company finds it's way on to a BANNED list. Beware…..
What if we use "opt-in" (in the initial mailing) and "out-out"? (Reference http://www.opt-email.com/)
Yes, we support safelists as long as they are well policed and on their own Dedicated Servers only.
Do you support mailing lists?
Yes, a mailing list/group of people requesting information and/or inclusion is a group communicating through e-mails is great and we fully support this. It is part of the fun of the internet.


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Education Services
Continuing Education Program at Ashley County Medical Center
Our nurse education program is led by Shawna Hawkins, RN. Throughout the week, she offers free continuing education classes provided by UAMS Center for Distance Health. View UAMS Center for Distance Health classes online at any time. In addition, she tries to schedule classes and hold-in services that are requested by nurses and other staff.
Interested in signing up? Call Shawna Hawkins at 870-364-4111 ext. 563 or email her at firstname.lastname@example.com for assistance finding a class that covers:
The CPR & First Aide Classes are offered to the public for a low fee of $25.
Class Schedule:*
- Tuesday at Noon
- Friday at Noon
*Schedule is subject to change
Safety Baby Showers
Expecting mothers in Ashley County are welcomed to this baby shower, which is given in collaboration with Arkansas Children's Hospital. The shower is focused on informing expecting mothers on safety and injury prevention for their coming child. Topics touched on include fire safety, poison precautions, drowning prevention, car seat safety, safe sleep, and much more. It is a free service, so simply call to reserve your spot.
Safe Sitter Program
Safe Sitter is a nationwide organization that teaches safety skills, child care training, and general life skills to help build safer local communities. It begin as a response to equip adolescent sitters with the skills and knowledge needed to provide safe, nurturing care.
In the last 35+ years, Safe Sitter has expanded to more than 850 Registered Safe Sitter Teaching Sites across the country. Safe Sitter has reported that there have been 200 cases documented of Safe Sitter graduated utilizing the skills they were taught to help save lives. ACMC is proud to be a Safe Sitter Teaching Site!
This is a two-day course that takes place on various dates. The program is designed for students in 6th to 8th grade—the cost of the class is $25 per student with a workbook and book included. Students learn child care skills, first aid, rescue skills, good safety habits, CPR, and much more.
UAMS Institute for Digital Health and Innovation-Stroke Program (formerly ARSAVES)
Shawna serves as an ARSAVES co-facilitator. ARSAVES holds a health fair once a month that focuses on active checking of blood pressure and cholesterol. If interested, contact Shawna for more information on how you can help with this program, or participate in continuing education. More information about the program can be found here.
Shawna Hawkins can be reached at 870-364-4111 ext. 563 or by email at email@example.com.


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Caught in the crossfire of someone else's war. Used and abused. Treated like a soiled, worthless dishrag. Used for someone else's pleasure or purpose. Mistreated. So she fled.
Hagar fled from Sarai and Abram. She was caught in the crossfire of Sarai and Abram striving to fulfill God's purpose — an heir. She was a victim. One without much recourse.
How often that is the place in which we find people in pain. They know the pain they've just experienced. They know only too well.
Running seems to be the best way to avoid further pain.
In the previous chapter God clearly tells Abram that "a son coming from your own body will be your heir" (15:4). However, Sarai doesn't get a similar message until later in chapter 17 of Genesis. Prior to that, in this chapter (16) we read of Sarai's understanding that God has not opened her womb. She has not yet received a clear indication from God that the heir will also come from her body. So, in a culturally acceptable way, Sarai decides she will no longer be the one hindering God's intent to bless Abram with a child. "Go, sleep with my maidservant; perhaps I can build a family through her."
What seems amazingly absent here is any resistance from Abram. Apparently he wasn't clear on who the woman would be either, since he "slept with Hagar, and she conceived." Abram could have made a different decision. He could have expressed his belief that God would give him an heir through his wife, Sarai. But he doesn't. Neither did this seem to be on his mind earlier when they went down to Egypt and Sarai was placed in a vulnerable place with Pharaoh.
Abram, after Hagar's conception, told Sarai, "Do with her whatever you think best," so Sarai "mistreated Hagar." Granted, Hagar was Sarai's maidservant. Yet Hagar conceived a son — Abram's long awaited first son, yet Abram doesn't express any concern over Hagar's mistreatment, or Hagar's flight.
Who blames who? Hagar, "when she knew she was pregnant, she began to despise her mistress" (16:4). Sarai then begins to blame Abram. Abram tells Sarai to do whatever she wants with Hagar. Sounds like a blaming game in full force.
Where is God in all this? Does he see? Does he know?
What about this young, single, pregnant woman now in the desert alone? How will she ever survive? Does anyone know where she is? Does anyone care about her — and the child in her womb?
We know the angel of the LORD does. The text elaborates, "The angel of the LORD found Hagar near a spring in the desert; it was the spring that is beside the road to Shur" (16:7). Some of this information may seem unnecessary at first reading. Why do we need to know where she was? Does the location even mean anything to us? May I suggest that the detail of this verse gives us an insight into how much God knows about us. The angel of the LORD knew exactly where Hagar was! He knew that she was not only in a desert geographically, but in a desert physically, emotionally and spiritually. He knew the pain in her heart.
She had been used, then abused. Her young life would forever be altered as a result.
Notice the questions he asked. "Hagar, servant of Sarai…"
No mistaken identity! He knew exactly who she was. Next came two profound questions: "Where have you come from, and where are you going?"
Hagar knew the answer to the first question, but not the latter.
How often that is the place in which we find people in pain. They know the pain they've just experienced. They know only too well. Running seems to be the best way to avoid further pain. And sometimes that is where we encounter them. Running – emotionally, mentally, and perhaps physically and spiritually – without an answer to the important second question, "where are you going?" This can be a meaningful question to ask in the midst of pain — a question to ask the person in pain in the presence of a God who cares.
The beauty of this conversation in Genesis is that the angel of the LORD could answer the second question and told her what God had in mind for her and her child. How did Hagar respond?
"She gave this name to the LORD who spoke to her: You are the God who sees me, for she said, "I have now seen the One who sees me. That is why the well was called Beer Lahai Roi…" (16:14), which means well of the Living One who sees me. We learn a new name for God and learn more about his character through this mistreated woman, Hagar.
El Roi, the God who sees.
Have you ever wondered if God sees you in a place of painful waiting, of mistreatment, or of being caught in the crossfire of someone else's war?


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"Based on a manuscript left unfinished by JRR Tolkien, this book suffers greatly from any comparison to the master's fully completed works.
The story itself revolves around the consequences suffered by Hurin's family after he dares to defy the evil Morgoth (Sauron from LOTR's bigger and badder boss). Chock full of unlikeable characters and relentless tragedies, it is a heavy and frankly depressing book to wade through.
(Son) Christopher Tolkien states that he completed the manuscript "with a minimum of editorial presence" and "without distortion or invention." But therein lies a large part of the problem. The Children of Hurin has a choppy, incomplete feel and was sorely in need of some vigorous "invention" to make it read more like a fully developed novel and not merely an expanded outline.
Interesting in a dry academic sort of way, it lacks any of the humor, warmth, and inspirational qualities of The Hobbit or LOTR. In short, The Children of Hurin is a dull and bleak read -- of interest, I'm afraid, to none but the most extreme Tolkien fans."


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It was all even at the Stadio Paolo Mazza as Juventus and SPAL played to a 0-0 draw in Ferrara.
The Bianconeri would outshoot SPAL 6-0 and hold the majority of possession but couldn't find the breakthrough in the final match before the international break.
Playing in Ferrara for the first time in nearly 50 years, the home side started out stronger putting Juve under pressure from the opening whistle. However, Juve nearly opened the scoring in their first attack of the match.


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Who doesn't love a little collaborative work? One of our favourite brands PUMA continues it's strong work with British/ Turkish designer Hussein Chalayan. For Spring/ Summer 2013 the Puma X Hussein Chalayan project releases another version of the very sexy Glide II. With Puma's take on an uber luxe sneaker look, the black textured suede is something I'm really digging.
Source: Hypebeast


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We are a busy but friendly school, with lots going on. This website aims to give you a taste of the school, as well as providing regular updated information for both parents and pupils.
We completed our most recent OfSTED inspection in September 2008 and have published the findings on our website. Our school was judged to be 'Outstanding' in all areas. We gained this same judgement 3 years previously, in 2005. It is an excellent and highly complimentary report that we are all immensely proud of.
Please do take the time to read it.
Churchend is a National Support School ,which means that we offer guidance and support to other schools who need help to improve academic standards. We have also recently been designated as a Teaching School which is a huge accolade. We are the only Teaching School in Reading. Again, this means that we take a central role in supporting other schools to improve.
At Churchend we are committed to ensuring that all our children will succeed at school and do well.Through a broad range of lessons and extra curricular activities we expect to support children in discovering their particular strengths and passions. Whether that be maths,science,music ,sport or a wealth of other activities they will be involved in, we intend to help children develop interests and skills that will remain with them throughout their lives.
We hope that you enjoy your visit to our web site, and that you find any information you are looking for. Please feel free to leave comments in the Guestbook, or contact the school direct (details below) with any queries you may have.
A website can only give you a flavour of our school so if you are considering Churchend as a school for your child please do make an appointment to come and see us 'in action'. I would be delighted to show you around.
At times we are also able to offer places to children in other year groups,for example, if children move house to another area. If you wish to be considered for one of these places, please inform our school office and they will tell you how to put your name on our waiting list. Alternatively, the in year, waiting list, admission form is available below for you to complete and return to the school.
Thank you for visiting!
Richard Pearse


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The Mystique of Richtree Market
By Chelia Blendy
The Daily Magi
October 2, 2068
Richtree Market is a Canadian restaurant chain, which approximates the style of a European market. Richtree Market Restaurants Inc. operates market-style, open-kitchen restaurants. The company has three owned-and-operated locations in Toronto, Ontario, Canada, and one in Thornhill, Ontario, Canada. Franchises exist in Mississauga, Ontario, Canada, and Ottawa, Ontario, Canada. The chain offers casual dining and takeout service, with limited grocery stores and special items for children. Menu items are inspired by foods of Europe and Asia.
Locations seat approximately 50 people.
A larger, downtown-Toronto location, at Brookfield Place (formerly BCE Place), went out of business in January, 2010. A similar restaurant, which opened in the location after Richtree's closure, is owned by competing Swiss chain Mövenpick Marché and is unrelated.
Richtree has announced plans to open one new location in Chicago, Illinois, in the Westfield Old Orchard Mall. It would be the chain's first venture outside of Canada. Richtree prohibits customers from using cameras in its dining rooms.


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We are still open but working on reduced hours and minimum staff. We have spent this week pushing existing orders out the door.
Any new orders from today may be longer than our standard 3 to 5 working days.
Audi Accessories
Please select an Audi model, if your model does not appear please contact us as we still may be able to help


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Our Team
Jennifer Yu graduated from the SHANGHAI FOREIGN LANGUAGE INSTITUTE, where she majored in English Literature. She has been an ESL Teacher for over five decades, teaching in China and taught Chinese at the PEKING LANGUAGE SCHOOL in New York City. She dedicates her time now to promoting culture via Chinese language learning and writing Chinese e-books for children and adults.
Her major publications are
in 1986 " How to Present a Lecture in China" published by IEEE in USA;
In 1989 " Technical Writing and Presentation" published by General Science Publisher, Beijing China;
In 2006 " JJEasy English" published by Redbound Studio in USA;
In 2007 " Sam Easy English" published by Chinese TV Education Publisher in Bejing, China;
In 2010 " Practical English for Chinese Restaurant" published by Huawen Publishing USA.INC. in New York;
In 2014" KK Phonetics " published by Taiwan National Publisher.
In 2014" A key to U.S. Citizenship Test" published U.S.A
Mario Ramon graduated from Albert Merrill School, New York. He is capable of Bilingual reading, writing and speaking Spanish and English with outstanding written and verbal communication ability and highly organized, independent, results-driven, detail-oriented in his profession. Performed computer operations, systems/applications, backups, and technical troubleshooting.
Chunyou Shi graduated from Chinese Department of He Bei University in 1966. He was a Professor in Chinese Department of Tian Jing Business College and lectured Chinese Classical Literature, Ancient Chinese, and practical writing courses. In 2001, Professor Shi was appointed as a professor of Tianjin Business University in Japanese tea ceremony as well as Chinese courses to Japanese students.
His major publications are "100 Examples of Practical literature Style " by Tianjin Baihua Literature and Art Publishing House and papers "Liu Xie on Practical Writing " etc.
Nailing Cai is an excellent kindergarten teacher working at Wu Jiao Chang Kindergarten, An Shang Second Village kindergarten, and Wu Song kindergarten in Yangpu district. She has been rich experiences in the early development of children aged from 4 to 6 years old and created games, interactive activities, and other tools, including computers and focus on kids' basic skills such as shape, number, color, and letter recognition as well as social skills.


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Hawkes Bay
Hawke's Bay is one of New Zealand's warmest, driest regions and this has made it one of the country's leading producers of wine; notably red wines – cabernet sauvignon, merlot and syrah – but also with some quite stunning whites.The region is the first stop on the Classic New Zealand Wine Trail, and it's a popular place for bicycle wine tours.
Hawke's Bay is New Zealand's Art Deco centre, rebuilt in the 1930's after a huge earthquake. It hosts the country's most elaborate celebrations of Matariki – the Maori New Year. It's a place where you can shop at the farmers' market for locally grown delicacies, indulge in artisan gourmet food, and join the lunchers at Napier's Great Long Lunch. And it's a place where you can walk the forest trails of the Ruahine and Kaweka Forest Parks, visit the Cape Kidnappers gannet colony or relax on the glorious beaches that stretch along the coast.
Hawke's Bay, New Zealand, offers every kind of accommodation, from exclusive lodges and self-contained cottages to hotels, motels, camping grounds, bed & breakfasts and homestays. Some wineries have room for guests, providing the perfect setting for a romantic stay.
Bike Trails New Zealand
Bike Trails New Zealand
Trail and mountain bike cycling is fastly becoming the most widespread form of cycling. which includes recreational trail biking, mountain bike (MTB ) , e-bike cycling and competition MTB riding .
Dedicated Ebikes and mountain bikes are the fastest growing category of cycling today as road cycling is considered as a risky recreational activity with more and more cars on the already congested roads.


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Marc Vedo
Upcoming Events with Marc Vedo
No Upcoming Events
Its fair to say that Marc Vedo has been a busy man in 2013! The summer schedule of 2013 saw over 40 dates throughout Europe that included his residency at super club Amnesia, Ibiza for the legendary La Troya, dates for Ultra Music Festivals around the world, Molo Stree Parade, Italy, Wave Festival, Belgium, Revellin Festival, Croatia plus many more amazing parties.
After the summer, Marc then took things state side, covering 16 cities in just 5 weeks with his touring pal and global icon Boy George, the tour was a huge success and smashed all the super clubs including Pacha New York and Exchange in LA.
Alongside his packed out diary, Marc has been busy in the studio with a total of 7 tracks in the Beatport Top 100 in the last 8 months and his Stealth Records EP "Freak Out reaching Top 10 on Beatport and remaining there for over 10 weeks. His music is supported by the likes of Roger Sanchez, Pete Tong and Erick Morillo proving that his production is as strong as his international Touring schedule.
With the likes of Mixmag inviting Marc to join them in the hugely respected "DJ Hangout", appearing on front cover of Tillate Magazine with the magazine quoting "Proper House Music- Marc Vedo leads the way", DJ MAG signing him up as their world Tour resident and mixing 2 cover mount CD's for the magazine and artists such as Roger Sanchez booking him to play at his Stealth Parties around the world, 2014 is looking like another incredible bumper year!


text: In the context of One World Week in which The Wageningen UR community celebrates its diversity, RUW foundation organized the workshop "Felt your own sheep fur". At the barn of the shepherds of Grebbeveld Schapen &zo the 24 participants were first introduced to the practice of shepherding by Marjel and learned about its current use for the nature management of areas around Wageningen. After a tour through the barn where the sheep with newborn lambs were shown, everybody received their own piece of shaved sheep fur which had to be felted onto a thin layer of needle felted wool. Coloured threads of wool were added enthusiastically as decoration. Next, the fun part started! With hot water and soap we had to role our piece of wool over and over again so that the hairs would attach together as a result from the friction caused by rolling. Little did we know that sheep fur felting was such a workout! After Marjel counted down those final long minutes and the excess water was drained from the sheep furs in the centrifuge the participants proudly brushed their sheep furs. With the tasting of a piece of sheep sausage offered by Marjel we closed a wonderful fun, creative and informative afternoon!


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Profile Migration Tool to import Firefox personal file to Pale Moon
Before I have write this article Pale moon: Different Firefox. And now is the related information especially who want to using Pale Moon from Firefox.
What are you Mozilla Firefox users who want to switch to using Pale Moon? If so, use the Profile Migration Tool that is provided to import your personal data in Mozilla Firefox to the Pale Moon.
Profile Migration Tool automatically import your personal data from Firefox after you press the Copy Profille button if the default locations unchanged (see the picture above). Even so, there are several things that cause this tool can not be used.
as written above, the location of personal files are change
you use portable version, so the tool can not find the personal files location
this tool is not allowed to read the file by the operating system (or deemed application bully)
If you want to get this tool, visit Pale Moon Profile Migration Tool webpage and read some related info there.


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An 18-Wheeler Against a Car, Pickup, SUV, Motorcycle, or Minivan is Not a Fair Fight.
We know that, and you know that, but sometimes truck drivers act like they don't. Big trucks take longer to stop, are harder to control, and cause more damage, destruction, and injury than other vehicles on the road. Sometimes truck drivers are careless, but sometimes they have been pushed too hard by their bosses to drive too long, too hard, with too little sleep.
Either way, you are the one who ends up suffering the consequences.
Continue reading What You Should Know About Semi-Truck Wreck Cases in Arkansas


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Posted by R. Berg on March 24, 2004
In Reply to: High Cotton posted by ESC on March 23, 2004
: : : What's the origin of the term "high cotton," or "he or she is in 'high cotton?'"
: : This came from the old US south where cotton was one of the few cash crops when this country was first settled. High cotton is a reference to the tallest healthiest plants, which produced the most cotton. To be "in high cotton" is to have a valuable, bumper crop.
: I've heard it this way: "tall cotton."
Lyrics from DuBose Heyward and Ira Gershwin, "Summertime":
Summertime and the livin' is easy,
Fish are jumpin', and the cotton is high . . .


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Orange County Cpa: a Person Hire A Tax Preparer?
The BPCA gets its revenues from fees it assesses residents, businesses and property pet owners. They use this money to retain the neighborhood and pay off its debt, but they still are able to end every year with a surplus.
Tax laws and refund policies can be complicated business - arrive at those who aren't online stores - www.out2go.de - tax savvy. Of course, the best source of advice should are generated by tax consultants. But what if someone can't afford to hire a single? Or what is an individual simply want to know 1-2 simple topics? In this case, individuals can always go as well as locate special tax tools such as tax refund calculators. Such tools enable produce useful figures without individuals needing to spend a bomb on professional extra fees.
To qualify you should be a first-time buyer who has not owned a home in the last three months. The home purchased must be an owner-occupied, primary residence. Pleasurable single-family home, an attached or detached condominium, or co-op or townhome. Also, to attract the full credit, singles cannot have income over $75,000 ($150,000 for marrieds filing jointly). An incomplete credit is ready for singles with income up to $95,000 ($170,000 for marrieds).
Buy - time. Could send a written request on the IRS on the grounds that you can't pay what you owe right at this point ,. You can obtain a 45 day extension fork out for your liabilities. Remember though, the reason only a short-term solution, and need the following this period for come on top of a strategy, or borrow money, or figure out some other way think about care of your IRS tax debt.
Consider Needs/Wants: Knowing the gift pay for for litigant is take place . obstacle of corporate gift buying. A lot of companies do not know customers on an individual level. Buying for them without knowing their hobbies, interest, likes/dislikes can be challenging. Your best option is as part of your out concerning your client by asking them what such like and the direction they spend their free spare time. This should an individual some ideas of to be able to get.
Tax savings implications obtaining a company. I do not profess to being a tax accountant, but when you are in business to have a profit, a portion of everything from your heating to cooling costs, with your computer, advertising and even your accountants bill is tax deductible. Please consult a qualified tax accountant for complete details.
You can decide poor credit card ? benefit after the demise refund policy is issue in determining part of methods to create a Will. You might be said to have died "intestate" if you die with out having making a Will. Intestacy rules will likely apply for situation and also the loved ones that you believed would receive your assets may receive little or nothing.


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Before heading off to sunnier destinations consider doing your homework when it comes to cellphones because if you use your Canadian –carrier mobile phone when travelling you'll come home to a crushing bill.
Upon their return from a trip to Italy last summer the Foster family were horrified to find they had a $1500 bill waiting for them from their cell phone carrier. Turns out one of their kids had decided to watch a video on the phone.
Has this happened to you?
Here are a few tips on how to avoid a crushing bill:
- Get a SIM card in the country you're visiting and a local pay-as-you-go package
- You can buy a travel pack from your carrier but while it saves switching to a different number you will pay for the convenience.
- If you're travelling to the US consider Roam Mobility (link). You can pay online and at rates comparable to those locals pay.


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Lesson Learned:
How to build stairs.
I said before that this is not a blog about how to build a dollhouse, and for the most part, that's true. But I think I found the 'right' way to build two elements: stairs, and egg carton stones. I'm not saying that there are no other ways to build these 'correctly.' I'm just saying I think if you follow these how-tos, you'll end up with stairs, and stones that you can be proud of. There are a number of 'right' ways to build these things, this is one of them.


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Jeff Pfoser seems like the type that would have a hot tub
Local beer, sky diving, and home nacho cheese dispensers with comedian Jeff Pfoser.
Comedians Smoking Cigars Eating Jerky – Episode 4 – Maggie Faris
Local beer, sky diving, and home nacho cheese dispensers with comedian Jeff Pfoser.
Comedians Smoking Cigars Eating Jerky – Episode 4 – Maggie Faris
Comedian Robert Baril stops by to promote his new "Sex and Politics" CD.
Robert Baril's Official Website
Robert Baril "Sex and Politics" CD
Robert Baril's Radio Show on AM 950 "Laughing Matters"
John Pinette "Chinese Buffet You Go Now"
Queen "We Will Rock" You Official Music Video
Accidents, electricity, and blue tarps with comedians Tom Leonhardt and Ben Findley.
We get comedia Cullen Ryan into the Magnodome to talk Madonna, hats, and cadavers.
We get comedian James Wells into the Magnodome via the Hippodrome, to talk hockey, Paisley Park, and The Northern Lights.
James Wells Standup in Arizona
The Hippodrome in Eveleth, Minnesota
We get comedian/magician/artist Michael Callahan into the Magnodome to talk Sriracha sauce, 2nd Story Comedy, and fake seances.
We get comedian Patrick Ryan Bauer into the Magnodome to talk Valentine's Day, trouble on stage, and auditioning for America's Got Talent as 1/3 of the Minneapolis Comedy Death Squad.
Comedian Tom Leonhardt makes the trek up to the Magnodome to talk confusion over turkey weiners, old school RV camping, and nicknames.
Listen/subscribe to Magnotronic on iTunes, Google Play Music, and Stitcher!


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Usability and Fly-Out Menus
In Usability and Fly-Out Menus D. Keith Robinson writes about the (lack of) usability of most implementations of fly-out (a.k.a. dropdown or pulldown) menus on websites.
My opinion? In nearly all cases, fly-out menus add unneccesary complexity and code to a site. They can also make a site very inaccessible and hard to use. Many implementations are fragile. What happens when JavaScript is off? When you increase or decrease text size? When your client uses a CMS to enter more text than fits in the menu? What about people who don't use a mouse or have reduced hand-eye coordination? How are search engine robots going to find their way around the site?
Think very carefully before you decide to use fly-outs, and consider the consequences. And make sure your only reason for using them isn't "It looks cool.".
- Previous post: Accessible Pop-up Links
- Next post: Ideas For Client Education


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Two Teeth Lost, Suspensions Ensue.
Soldier butchered and crowds throng the streets, when advised of the cortège on the day, of course. The day before, his arrival was kept quiet. I wonder why? Two days mourning prohibited, perhaps?
However, our gun toting, machete wielding, Muslim would be martyr, of the highest possible calibre a human spirit can harbor, at least with the aid of some mind bending chemical assistance, faces decades of legal wrangling in the now familiar Abu Quatada mode. In the week Gunner Rigby is laid to rest our pillar of upright goodness has sacrificed two of his gnashers to the cause.
The black is great, white is bad industry is gearing up for a full blown tirade in support for our dear "Bro", as his future wealth slowly begins to turn embryonic, in the offices of some, yet to be appointed, legal parasite. Even as I write the lives of five prison officers are turned upside down for doing their impossible job of coping with the enforced nightmare unfolding, that is multicultural mayhem and extreme violence.
A police investigation is in full swing to counter the bleeding heart lefties revelling in the chaos imposed by the, oh so familiar, lefty stupidity and hubris. A good example is probably enshrined in these particular strange goings on. Always the emphasis is on the "rights" of the coloured races and vilification and guilt hung on the shoulders of generations to come of, somewhat innocent ,descendants of 19th century, ancient empirical ambition, long since paid for in blood and wealth.
As The EDL continue, unfairly, to be branded in the same image as that of the BNP, with this weekend's presence in Brumistan, the focus of attempts to smear genuine protest, I proffer these thoughts. Our lad in custody will likely consider his two pegs worth a vast fortune. Well, how about we determine that for every penny spent on those pearly whites, accidentally made available for eBay consideration, the late Lee Rigby's family get double?
We could go further. For every penny spent in investigating the Lawrence, age old, bleeding heart Company business, we spend double on treating the consequences of political failure, in the global meddling beloved of our establishment, corporate enslaved, governments? Such as in this troubled instance.
Naturally it will never happen. At least in the one direction we are forced to accept as unworthy, as opposed to the other, whereby we are expected to hand over everything we hold dear, to assuage the ever growing demands of our imported and horrendous, aggressive immigrant fanatics. I suggest these mass ghetto builders of depravity will never be happy until they impose their version of the South African Rainbow Nation, so wonderful and gentle as to be beyond reproach, as we are forced to accept the underlying racist intended genocidal possible future.
Of all the outpourings over Mandela's age related issues, my horror was realised when good old Winnie began circling the fading Mandela, soon to become the treasure trove that will be his shrine. As the renting of the not yet deceased, quite, body, is being paraded before the world, I couldn't fail but notice the wealth dripping from his harem of female family members. How quickly their ability, to mimic the same corrupt theft of the peoples' riches, so prevalent in The West, has come about.
The only difference between this crowd in South Africa and our own, newly established, Rainbow culture, is the African based propensity to revel in vicious and barbaric killing and disfigurement in order to achieve their dictatorship, through fear, governance. The idea that deranged, black, Muslim fanatics might carry out the bloody and evil slaughter of whites, on the streets of London, is surely preposterous, isn't it?
When all is said and done we have been promised by Bliar and then Snotty and now Camoron, our sacrifices in illegal conflicts are to keep our streets safe. The very idea that fanatical Muslims could be given benefits, housing, cars and riches, together with millions of pounds of legal aid to repair their dental mishaps, is ridiculous. No, we can rest easy that right will prevail. Utopia is assured and we shall all copy the example of Northern Ireland and ensure Adebalajo can look forward to a career as a future successor to Michael Gove. Ain't life grand!


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Do you have some favorite pirate birthday party ideas, cakes and costumes? Do tell! Please share all your party tips and ideas for invitations, decorations, games, etc., along with your pirate cakes and costumes.
Return To Top Of Pirate Birthday Party
Return To Adult Birthday Party Ideas For More Fun Adult Party Ideas
Return To Home Page - Birthday Party Ideas


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Signavio is looking for a Lead Backend Engineer (Java) to help us build the future of our Business Transformation Suite. In this role, you will be part of our development teams and take a leading role in driving new features with the aim of scaling our product offering. Based from our Berlin office, you will help set up our engineers for success through coaching and mentoring.
Our Suite is a powerful, all-in-one platform that enables businesses to model, analyze and optimize their processes. At Signavio you will be working with a team who values trust, respect, and diversity. What began as a small start-up is now a global player with a growing team working in offices in Germany, the United States, Singapore, the Netherlands, France, Australia, the United Kingdom, and Switzerland. We are looking for people who share our passion for creating products that people love to use.
To thrive in this role you are someone who works well in teams, enjoys collaborating and appreciates the importance of communication and feedback.
- Collaborate with other Leads to define long-term technical strategies in accordance with business needs
- Evaluate and implement new architectural approaches
- Drive technical excellence of new features and refactorings
- Guide and coach junior engineers, develop their skill set and provide regular feedback on progression
- Experience of complex and data intensive applications (ideally within the BPM / Workflow domain)
- A successful track record of challenging existing and defining new architectural standards with senior stakeholders
- Demonstrable leadership experience within an engineering environment where you were driving operational excellence and best practices as well as mentoring team members
- Experience with Java8, building secure web applications and ideally at least one of the following: MongoDB, MySQL or PostgreSQL
- Experience with DevOps technologies such as AWS, Kubernetes, Docker, Jenkins and Circle CI
What we offer
We keep things open, agile and communicative, with pair programming widely practised and encouraged.
You are free to use the OS and IDE of your choice, the tooling you are comfortable with and setup your work space the way you like it.
We get that balancing family and work can be a challenge, so everyone (family or no family) gets flexible work hours. Work when you work best. Should you be relocating, we can discuss what assistance we can offer.
We support personal growth, both in and outside of the company. You will gain – and share – knowledge during recurring learning lunches, jour fixes, pizza sessions and our annual code camp. Each employee also benefits from 30 vacation days and an annual personal learning and development budget.
Postulez maintenant
Your point of contact
10787 Berlin


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Another iOS software update is here! Today, Apple has released iOS 10.1.1 for iPhone, iPad, and iPod Touch. As with all the iOS updates, I'm sure many people out there have a few questions pertaining to the features of this new iOS 10.1.1 firmware, so I decided to do my part in clearing up those questions. Below you will find my full hands on review of the changes, features, performance, and speed of iOS 10.1.1. I also discuss the jailbreak release. It's a small update, but definitely a good one for bug fixes and speed. I would highly recommend downloading it, and I can't wait to hear what you all think! Stay tuned for future iOS update posts, and of course, the jailbreak updates will be posted here as well.
iOS 10.1.1 Released: Changes, Performance, & Jailbreak!
10/31/2016 apple , iOS , ios 10.1.1 , ios 10.1.1 bug fixes , ios 10.1.1 download , ios 10.1.1 features , ios 10.1.1 hands on , ios 10.1.1 jailbreak , ios 10.1.1 release , ios 10.1.1 review , iPad , iphone , ipod , jailbreak ios 10.1.1