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Link to E-Book (Pay What You Want Or Free)
Assalamu'alaykum (Peace Be Upon You)
If you are ever finding yourself lost, confused, not encouraged and not inspired to be the best you can, I have written an amazing book that helps motivate and inspires to help you become the best and "The Strongest Version Of Yourself." I have also used many authentic hadiths and ayahs (verses) from the Qur'an to help show us that Allah SWT has shown us how to deal with whatever we are going through.
Some of the topics covered in the book are:
Accepting Your Blessings
The Past
Dealing With Negative People
A Hard Heart
And many other topics that you may be dealing with on a daily basis and may need answers for. I don't think you'll regret reading this book because it can be a life changer for you and help you see life in a very different but very positive perspective and help you overcome many things.
Book Reviews
Review #1
After reading 'The strongest version of yourself' I realized that I could be doing much more to reach my full potential. I think it's a really good book for anyone who is looking for motivation of any kind, particularly those of us who are limiting ourselves. It definitely made me think further about the things I could do to help achieve my goals, and definitely made me appreciate the life that Allah has bestowed upon me. I also appreciate the fact that the author took verses out of the Quran and elaborated on them to suit the chapter and assist in getting the point across.
Derya Keles – Melbourne, Australia
Review #2
I have just finished reading your book. I love this book. I think this is a great inspirational book for anyone needing advice for situations that they have gone through or are currently going through. I don't have any favorite chapters, as I thought they were all great chapters with great genuine advice. The two chapters that helped me are "The Past" and "A Hard Heart". I learned to let go of my past and stop reliving the pain and hurt over and over again in my mind. To focus on now and look forward to the future Insha Allah. To not let my past prevent me from having a future. More importantly, I learned to not let my heart become hardened because of the actions of one individual, making me become someone whom I'm not but to continue to possess the attributes that Allah (SWT) has blessed me with. You are a blessing and inspiration to me. You are well on your way to becoming a great writer. May Allah bless you for your efforts and continue to bless you with more success.
Malikah Scott – Evansville, Indiana
Review #3
Woooow!!! just finished reading ur book a while ago. I knew it was going to be good but it turned out to be waaay good. Excellent book, honestly. Especially, as an American Muslim, thinking like us, having knowledge like this MashaAllah. May Allah bless u always. I liked all chapters really, especially using Hadith & using Ayat from Qur'an. Every chapter was different & useful, enjoyed it. It motivated me & how to be optimistic, and wanting to change things in life. And liked ur ending or conclusion.
Lamyaa Kandil – Dubai, United Arab Emirates
Review #4
Since my deen and mental-state have benefitted from your writings, I was very eager to read "the strongest version of yourself" And I must confess that my expectations have been fullfilled…
It's pretty amazing that Allah (SWT) can change so much in your life through someone you haven't even seen in real life. I feel like this book has been written for me because the topics touched many of my weaknesses that I have always wanted to change.
Without spoiling anything, all I wanna say is: If you are in a bad state of mind and feel a lack of motivation/inspiration, instead of spending loads of money at the place of a psychologist, first get yourself a hold of "the strongest version of yourself" and see how the buds blosson away. .
I mean after all this book isn't just some "blah blab blah" by someone who is a stranger to you, but it is written by one of your brothers in Islam who made use of the best of suggestion about how to deal with life that is the Quran…
Fatma Kaganoglu – Wuppertal, Germany


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Bus from Tada to T.P Gudem
A convenient mode of travel while commuting from Tada to T.P Gudem is by taking a bus. The time taken to complete the bus journey is dependent on traffic, roads and climatic conditions.The bus companies adopt safety measures while running their buses from Tada and T.P Gudem. The smooth availability of bus service creates travel convenience for many people travelling from Tada to T.P Gudem.
If you are also looking for return checkout, please ensure to check T.P Gudem to Tada Bus.

subset: commoncrawl


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in other news...
thanks so much for the encouraging words last week when i told you i had a job interview.
i got the job! whoooo!
training was on sunday and my first day is this friday. i'll be doing retail sales at a store, so i hope it's okay. i get a pretty sweet discount, but the whole job is customer service intensive and i've never done anything like it before.
honestly, i'm sort of dreading it.
it would be nice if i could support myself with my etsy shop, but i'm just not at that level yet. job-hunting has been depressing and even though i've applied at a bunch of places, this store was the only one to offer me anything.
ohh, post-college life.
for anyone who has ever worked in retail:
care to share any tips? i'd really appreciate it!
also: mandy of miss indie did a sweet sponsor feature of me recently. please check it out here! :)
i will be doing a review for CSN soon. CSN has sponsored a couple of my giveaways before, so i'm extremely grateful for this opportunity, as they have one of the most diverse shopping selections on the interwebs! they have over 250 stores with items ranging from fun wall decals and fancy cookware by le creuset, to handbags and shoes.


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The Four C's
The 4C's of Diamond Quality
It has been said that, 'every diamond is a miracle of time and place and chance. Like snowflakes, no two are exactly alike.' So how do you accurately determine the quality of every individual diamond?
Until the middle of the twentieth century, there was no agreed-upon standard by which diamonds could be judged. Then GIA created the first, and now globally accepted standard for describing diamonds: Colour, Clarity, Cut, and Carat Weight.
Today, the 4C's of Diamond Quality is the universal method for assessing the quality of any diamond, anywhere in the world. The creation of the Diamond 4C's meant two very important things: diamond quality could be communicated in a universal language, and diamond customers could now know exactly what they were about to purchase.
Diamond Colour actually means lack of colour. The diamond colour evaluation of most gem-quality diamonds is based on the absense of colour. A chemically pure and structurally perfect diamond has no hue, like a drop of pure water, and consequently, a higher value. GIA's D-to-Z diamond colour grading system measures the degree of colourlessness by comparing a stone under controlled lighting and precise viewing conditions to masterstones stones of established colour value.
A diamond's cut unleashes the light
Diamonds are renowned for their ability to transit light and sparkle so intensely. We often think of a diamond's cut as shape (round, emerald, pear), but a diamond's cut grade is really about how well a diamond's facets interact with light. Precise artistry and workmanship are required to fashion a stone so its proportions, symmetry, and polish deliver the magnificent return of light only possible in a diamond. A diamond's cut is crucial to the stones final beauty and value. And of all the diamond 4Cs, it is the most complex and technically difficult to analyze.
To determine the cut grade of the standard round brilliant diamond - the shape that dominates the majority of diamond jewellery - GIA calculates the proportions of those facets that influence the diamond's face-up appearance. These proportions allow GIA to evaluate how successfully a diamond interacts withlight to create desirable visual effects such as:
Brightness: Internal and external white light reflected from a diamond
Fire: The scattering of white light into all the colours of the rainbow
Scintillation: The amount of sparkle a diamond produces and the pattern of light and dark areas caused by reflections within the diamond.
GIA's diamond cut grade also takes into account the design and craftsmanship ofthe diamond, including it's weight relative to it's diameter, it's girdle thickness (which affects its durability), the symmetry of it's facet arrangement, and the quality of polish on those facets.
The GIA diamond cut scale for standard round brilliant diamonds in the D-to-Z diamond color range contains 5 grades ranging from excellent to poor. Diamonds of Choice only offers diamonds with an Excellent to Very Good cut.
Diamond clarity refers to the absence of inclusion and blemishes
Natural diamonds are the result of carbon exposed to tremendous heat and pressure deep in the earth. This process can result in a variety of internal characteristics called 'inclusions' and external characteristics called 'blemishes.' Evaluating diamond clarity involves determining the number, size, relief, nature and position of these characteristics, as well as how these affect the overall appearance of the stone, While no diamond is perfectly pure, the closer it comes, the higher its value.
The GIA Diamond Clarity Scale has 6 categories, some of which are divided, for a total of 11 specific grades.
Flawless (FL): No inclusions and no blemishes visible under 10x magnification
Internally Flawless (IF): No inclusions visible under 10x magnification
Very, Very Slightly Included (VVS1 and VVS2): Inclusions so slight they are difficult for a skilled grader to see under 10x magnification
Very Slightly Included (VS1 and VS2): Inclusions are observed with effort under 10x magnification, but can be characterized as minor
Slightly Included (SI1 and SI2): Inclusions are noticeable under 10x magnification
Included (I1, I2, and I3): Inclusions are obvious under 10x magnification which may affect transparency and brilliance
Many inclusions and blemishes are too tiny to be seen by anyone other than a trained diamond grader. To the naked eye, a VS1 and an SI2 diamond may look exactly the same, but these diamonds are quite different in terms of overall quality and value.
Diamond carat weight is the measurement of how much a diamond weighs
A metric "carat" is defined as 200 milligrams. Each carat can be subdivided into 100 'points.' This allows very precise measurements to the hundreth decimal place. A jeweler may describe the weight of a diamond below one carat by it's 'points' alone. For instance, the jeweler may refer to a diamond that weighs 0.25 carats as a 'twenty-five pointer.' Diamond weighs greater than one carat are expressed in carats and decimals. A 1.08 carat stone would be described as 'one carat oh eight.'
All else being equal, diamond price increases with diamond carat weight, because larger diamonds are more rare and more desirable. But two diamonds of equal carat weight can have very different values (and prices) depending other factors of the diamond 4C's: Clarity, Colour and Cut.
It's important to remember that a diamond's value is determined using all of the 4C's, not just carat weight.


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We promote more than 500+ members, reaching out to the 37,600 women entrepreneurs, 9,700 women in executive/management positions and all women residents who make up 49.9% of the Nevada population and 90% of the buying power and decision making in Nevada, most who are in the Southern part of the Nevada region.Read more...
Member Login
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Low rates! NP State run Trade Organization that does not require a lot of personnel
Students, interns, workers, executives/managers, business owners, women, young professionals, & men
Rather than being narrowly focused on one particular industry, issue, cause, or activity, focuses on a broad range of activities and support for both businesses and communities and the women's chamber is a diverse women's organization to focus on the needs and rights of all women.
***To speak to a rep you need to make an appointment
2300 W Sahara Ave #800,
Las Vegas, NV 89102
Monday - Friday
Saturday - Sunday 10:00 am - 5:00 pm


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ARIES (March 21 to April 19): A longtime situation starts to move into a new phase. The question for the uncertain Lamb right now is whether to move with it. Facts emerge by midmonth to help you decide.TAURUS (April 20 to May 20): A talent for organizing your priorities allows the Divine Bovine to enjoy… Read more »
Monthly Archives: July 2013
1st And 3rd Wednesday Bridge Group Holds Luncheon For Sandy Huss At Atlantic Hotel
There was a goodbye luncheon held at the Atlantic Hotel for Sandy Huss by the 1st and 3rd Wednesday bridge group. She is relocating to the Jacksonville, Fla. area. Pictured, seated from left, are Marion Novack, Sandy Huss and Joanne Macher; standing, Barbara Loffler, Sunny Lee, Lu Cano, Gerry Martin and Dotty Smith.
Kiwanis Club Of Greater Ocean Pines-Ocean City's July 13 Pancake Breakfast A Full House
Kiwanis Club Of Greater Ocean Pines-Ocean City Present Award For July 2013 Volunteer Of The Month
Wicomico And Worcester County Law Enforcement Officers Graduate From 70th Entrance-Level Class Of The Eastern Shore Criminal Justice Academy Graduates
Wicomico and Worcester County law enforcement officers who graduated in the 70th entrance-level class of the Eastern Shore Criminal Justice Academy operated by Wor-Wic Community College in Salisbury are shown in the front row, from left, Isiah P. Barkley, Patrick J. Glynn, Scott D. Horengic and William B. Mills of the Salisbury Police Department. In… Read more »
Republican Women Of Worcester Making Plans For 5th Annual Patriot Day Fashion Show Luncheon
Open Houses Of The Week
OCEAN CITY Makai Condominiums 42nd St. Bayside Sat & Sun 10-4 New Construction 2BR & Studio Condos Ben Dawson The Fritschle Group/ Condominium Realty 410-603-2205OCEAN CITY Holly Point #C3 13501 Holly Lane Sun 12-2 Waterfront 1BR/1.5BA Townhouse Laurie Duncan Century 21 443-460-8827OCEAN CITY Sunset Island 67th St & The Bay Open Fri, Sat & Sun… Read more »
A Week In Business
CAR Seeking To Protect Deduction BERLIN — The Coastal Association of Realtors and the National Association of Realtors are issuing a call to action to Senate Finance Committee members for any tax legislation to "do no harm" to the economy by retaining the deductions for mortgage interest and property taxes, the capital gains exclusion on… Read more »
Bay Bridge Safety Inspection Sought After Serious Accidents
OCEAN CITY — After two severe accidents in three days, federal transportation officials will participate in an overall safety inspection of the William Preston Lane Bridge, or more familiarly, the Bay Bridge. Around 8:30 p.m. last Friday, a 22-year-old Morgan Lake of Calvert County woman was heading eastbound on the Bay Bridge when her vehicle… Read more »
Bank of America Presents United Way Of The Lower Eastern Shore With $5,000 Grant
Bank of America's Andrea Adams recently presented United Way of the Lower Eastern Shore with a $5,000 grant to support local programs in the community. Above, Bank of America's Andrea Adams presents the donation to United Way's Kathleen Mommé.


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Because every couple must deal with divorce and property division (even if there are only a few assets or liabilities), a couple MUST write up (using the law library's forms or divorce forms online) a property settlement agreement, marital settlement agreement, or a settlement agreement at any time until the divorce is finalized. It is required as part of the divorce. The name changes depending on where you live. The couple must make it clear that all major property division issues have been resolved and divided, such as: property, child visitation, child custody, alimony, and any debt division that is required.
Remember, marital property may include:
Because you now must divide their time with each parent. You should get it all spelled out:
Visitation Plans: What are your plans? How much time with each parent? The Our Family Wizard helps parents to set up their plans, and keep scheduling straight. Simple & effective custody plans. Less confusion, more parenting.
Real-Divorce Recommends: Legalzoom includes the Property Settlement Agreement and paperwork for children when filing for divorce, so I would highly recommend that. The fee is for Legalzoom to prepare the documents for you.
With the RocketLawyer fee, you get access to any legal documents you may need, not just online divorce forms. So, you could get the PSA, custody paperwork, will, living will, and online divorce all in one place for a small flat fee. This is DIY legal. Save up to 90% off your legal documents
Our Family Wizard, because it helps keep all the documents straight.
Return from Divorce and Property to Divorce Paperwork
Read the other articles in the Divorce Paperwork Series about Divorce and Property Division
Equitable Distribution


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Consumer Products
Cosmetics and Beauty
Personal Care
Household Products
Office Supplies
Attractively displayed and securely packed: KOCH packaging for the industry
Packaging for industrial and consumer goods is required to fulfil multiple functions. While the prime focus is on ensuring product safety, an appealing packaging design also plays a key role for the industry. Backed by decades of experience, KOCH Pac-Systeme has built up a reputation as a leading manufacturer of packaging in both areas. Our high-quality and efficient packaging solutions will convince you.
Reliable protection for your products
Thanks to a range of different blister solutions, KOCH's packaging for industrial applications that we develop individually in line with your specific product requirements guarantees optimum, form-fitting design. This prevents the products from slipping and thus also effectively eliminates the risk of damage to small parts. Our packaging also protects your industrial products from other external influences: Whether spark plugs for the auto industry, children's toys or baby products, KOCH will always give you the ultimate packaging solution.
Sales advantages thanks to blister packs for the industry
While the reliable protection of your products is a prime concern for the experts at KOCH, we also focus on the sales-relevant aspects of packaging for industrial goods. An appealing packaging design will enable you to markedly increase product sales. Display packaging offers numerous advantages in this respect since it allows the customer to view the product prior to making a purchase, thus reducing uncertainty while boosting purchasing confidence. The quality of an article can be checked before it is bought, hence preventing mispurchases. This all adds up to greater customer satisfaction and loyality. By choosing the option provided by KOCH industrial packaging to display product information on the packaging, customers can also read up on the product and how to use it. Marketing messages can also be easily integrated into the packaging.
KOCH develops functional industrial product packaging that meets your safety needs and helps promote the sale of your products. Check us out and see for yourself.


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2019 Ram SALE
SEPTEMBER 7th at 1:00 p.m.
Eureka County Fairgrounds
Rafter Seven Merinos Inc. was proudly formed in September 2013 with the acquisition of the Rafter Seven Ranch sheep flock from the Wiegand Foundation of Reno, NV. Since 1989, the mission and directive of the Rafter Seven Ranch, and now Rafter Seven Merinos, is to combine USA and Australian sheep genetics to benefit and grow the bottom lines of sheep operations across the USA, and into Canada and Mexico. Twenty six years later, the result are two hardy breeding lines of merino and merino x rambouillet ewes who thrive on the sparse conditions of the Nevada desert, provide a high percentage of multiple births, and mother well, producing high performing & indexing fine wool lambs, and wools that are up to Australian standards in terms of quality and processing performance. Repeat buyers of Rafter Seven sheep genetics are ready and willing to stand up and testify to the genetic improvements they continue to experience.
Since inception the operation has kept exhaustive and comprehensive records, compiling genealogical records that are second to none in the industry. Single sire - single dam mating is practiced on a majority of our auction rams, and our sale catalog provides detailed records on sire and dam history as well as the birthing, weaning, and wool records on the animals themselves.
Our annual ram sale is open to the public and is held in early September of each year.
Rafter Seven genetics have a long and loyal following, with buyers attending again and again each year. Our flock is certified scrapie free, Brucella Ovis free, and all rams marketed are also tested prior to sale and guaranteed Ovine Progressive Pneumonia free.
Please join us for our ram sale this September 7, 2019
in Eureka, NV
Rafter Seven Merinos, Inc.
A GOOD WORD ABOUT Genetics! With the world-wide wool market so very strong and much optimism that it could continue, now might well be an opportunity to increase your financial bottom line. The heritability of wool characteristics in sheep breeding is very high. It is upwards of 40% to 50% PER GENERATION according to proven research. As a comparison, twinning normally has relatively low heritability, around 2% per generation. So, genetically, it is quite possible to significantly increase wool income rapidly. Using the powerful genetics of Rafter 7 Merinos, that help for wool improvement genetics is readily available at a reasonable price.
Our rams are NOT show sheep. They are grown out under range conditions in the high-desert mountain ranges of Nevada. They have over 25 years of history helping sheep producers improve their lamb crop and wool clip. We would appreciate the chance to help your sheep operation as so many of our long-time loyal clients have done . Please join us SATURDAY, Sept. 7th for this years auction. Catalogs available after Aug, 25th, on-line or US mail with most current data. We hope to see you there.
Quality Merino Sheep for sale at all times, please contact us for more information
Sheep for sale in Nevada USA, USA merinos, Nevada merinos, Nevada rams, USA wool, merinos ewes, merino lambs, USA sheep, USA Range Rams, Wool sheep breeder, merinos for sale Nevada
Rafter 7 Merinos, merino sheep breeders, merino rams, quality wool, ram sale
For information, contact:
At Rafter Seven, our genetics are time tested and proven over 30 years of intense University and private research, careful and constant reevaluation, and meticulous record keeping and analysis. And we don't stop! If you haven't seen or used our sheep in a few years, we suggest you take a new look. Our dual purpose sheep stack up better in lamb and wool combined than any other breeding line or breed out there, and we have the data, customer testimonials, and buyer confirmations to prove it! Come to our sale or give us a call, we are here and ready to make your sheep operation turn a better bottom line.
30 Years of Superior Sheep Genetics
Mobile: 843-693-2461
E-mail: firstname.lastname@example.com
Now available!
Mobile: 775-221-3206
E-mail: email@example.com


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September 12, 2016
The Dream of Life
And then there is the notion that this is all but a dream- the notion that despite the uncertainty, the infinite choices- we are each capable of so many amazing things. The dream of life...it is quite powerful, quite out of control and so very incredibly beautiful.
October 8, 2015
To thoughts of surrender- not in giving up but in giving it over...to something bigger than ourselves. Oh stay wild, sweet child because just at the moment when you think you are lost...you are in fact found. Trust that in the surrender, the answers come. Know that the universe will catch you + break your fall. Let go into the flow of what is waiting- onward + upward we go.
November 19, 2014
Accidental Brilliance Wisdom...
...a collection of fortunes + this one stands out. The stronger the wind, the stronger the trees. She repeated this to herself when times were tough + the road not clear. Then something someone once told her- stand strong in the face of anything + let nothing knock you down. Get back up no matter how hard it is because in the end it will have been worth it...the chances you took even if they don't work out will make you stronger, better + more prepared for what the universe is bringing to you next.
Posted by Accidental Brilliance at 10:21 PM No comments: Links to this post
November 7, 2014
Tunes for Today...
Find the things that make you happy...the things that make you want to wake up early, start new, take a risk + go chase them. Find something to believe in, find something that feels right, that feels like love. There will never be a time where you look back + regret the chances you took even if they don't work out. Don't look back + think about the things you missed. Live in the knowing that there is true beauty in the notion that you still have so much time to chase them...your dreams. Dig down deep + find the courage to let go of the fear...step outside the box + go find what makes you happy + don't look back.
November 6, 2014
Accidental Brilliance Picks...
Where have you gone someone asked...and suddenly I realized although we are right here standing in the same place it is possible to feel so far away from ourselves. Don't lose sight of yourself, no matter how the road twists, stay focused on your true north- the direction + light that calls you forward. Many people will cross your path- distract you from yourself + you may even lose your way. Always know that you you are never lost + it is never too late to get back on course.
August 13, 2014
August 12, 2014
Static + Silence...
Taken by the photography of Antonio Mora...through the lens of his camera he captures a sense of the static + silence that exists in our mind. Quiet the mind- each day you must find time to quiet the mind + listen, listen to what your instincts, your inner voice + higher self are telling you. Only when you clear the static can the silence exist + in the silence, many of the answers await to help direct your next step. Do not be afraid to trust yourself, to be certain that you do know what is best for yourself. Do not get distracted by the static that is the chaos of life- find the silence, I promise that there is much to be found where there is calm, where there is quiet.
Accidental Brilliance Layout with images by Antonio Mora
August 11, 2014
Tunes for Today...
For today put all your doubts aside + simply chase the light. I write + think of it often- chasing the light, moving in the direction that is calling you. Find the energy you had as a child, before the world told you there were certain things you could not do, when your imagination ran so fast you couldn't keep up with it- when you were limitless...although you will always be limitless- as long as you believe it. Find your fire within + go chase the light- go find what you are looking for.
The Girl Has Got It Goin' On...
Accidental Brilliance Original Layout with images via pinterest, leatherandlace, stylewise
August 8, 2014
Accidental Brilliance Superfood + Supplement Series...Benefits of White Sage
There are many plants that have magical properties that work to heal your mind, body + soul. I have been using different sages + smudges to clear energy for many years + recently began drinking a tea with white sage in it. The scent + taste can best be described as earthy + powerful. White sage is a mint herb that was often used by ancient civilizations such as the Egyptians, Babylonians and Greeks. For hundreds of years, white sage has been considered a sacred, cleansing, purifying, and protective plant. Native Americans started the tradition of using Sacred Sage to ward off evils spirits and negative energies, and white sage has been used in ceremonies to seek blessings of health and prosperity, banish spirits + encourage protection. To clear your space + being no matter what smudge you choose to use it is best done by quieting your mind and thinking of all the energy that you are carrying with you, often it belongs to someone else, release it from your space + body by saying that you send it back to the earth. I have always also said a blessing to let go of all that I am carrying that I no longer need. Sipping sage in a tea is a very similar experience + in many ways it is important to stay present in the moment as you drink the tea + let anything go with ease that you do not need. Another way to invoke the protective and cleansing properties of sage is to take a relaxing bath in the leaves. Take a bundle of sage, separate the leaves and add your favorite essential oil to a warm bath. The white sage will remove any energies from your body that no longer serve you, and deposit them into the bathwater- as the bath water disappears down the drain so will the energy that you no longer need to embody. Click on over here to order some of my favorite tea from my favorite teashop.
We each have the power to only allow what serves us to remain in our lives however it is our responsibility to set the boundaries for what remains and what must go.
August 7, 2014
Accidental Brilliance Muse...
Carry the energy forward someone once told me. From that I realized that we are all energy + we are simply here to exchange energy, every moment of every single day. Find the urgency + yet find the patience to recognize the light that is inside you...move in that direction. Strip all your fears away + let nothing hold you back. Find the quiet in yourself + listen, listen to what your higher self is telling you. You are never lost even when the path is not clear...move in the direction that the light inside you is pointing, if you are not afraid the universe will open up to protect you + take you where you need to go.
Accidental Brilliance Original Layout with images via pinterest, dust+smoke
July 19, 2014
Simple Wisdom of Buddha + Somethin' from James Vincent Mcmorrow...
July 18, 2014
Follow the yellow brick road...
...follow the yellow brick road, " it is always best to start at the beginning " Dorothy was told in The Wizard of Oz- in ruby red slippers down the path she went. Setting aside fear to find the wizard- beside the Lion, Tin Man + Scarecrow on a journey seeking what they thought they were missing. Yet, we are not missing anything- within ourselves we have everything we need. There is no need to find a Wizard to give you the answers. All you need is the courage, the heart to believe in yourself, to know you have all that you are seeking.
July 17, 2014
Love what she is wearing...
Day turns to night + there is the thought that perhaps you can undo what has been done but, there is no need to spend a moment on what has been done. Seek what has yet to be done, undiscovered, untouched + unused. Find what keeps you curious. Know that things end but always believe that something is always beginning. Things are lost...yet something is always found.
Accidental Brilliance Layout with images via pinterest, weheartit, easybreezystyle
Posted by Accidental Brilliance at 8:25 AM No comments: Links to this post
June 9, 2014
Accidental Brilliance Picks...
...there will be twists + turns she reminded herself. There will be moments that everything will feel unfamiliar + that is when you must push forward- that is when there is potential to tip the scales in your favor. You + only you can change the direction that you are going. Whether the path is familiar or unfamiliar you will come to a fork in the road where you can decide to continue down the road or change your path. We are each born with a predetermined path + it is our free will to make decisions that will change our course. You can always change your course, you can always push forward to a place where the path is more clear...chase the light she kept repeating to herself- to where the path is clear.
Accidental Brilliance Layout with images via weheartit, pinterest, hairideas
Posted by Accidental Brilliance at 10:04 PM No comments: Links to this post
June 5, 2014
The Girl Has Got It Goin' On...
...travel light someone once told her. And then she thought...live light. Do not carry with you the burdens of others, the past that you can not change or the fears that deter you from doing what you are meant to do, to be. Spread light because within the light is the possibility...the opportunity. You are all filled with infinite light + each day you must let the light illuminate your way.
May 21, 2014
Tunes For Today...Vance Joy
You are loved...never forget that. In the moments where you need to be brave...never forget that. When you feel like you are alone...never forget that. You are loved + the universe has always got your back. Don't be scared of the shadows...simply continue to chase the light.
May 20, 2014
Accidental Brilliance Superfood + Supplement Series...Benefits of Mugwort
Along the path of wellness we go...most recently falling in love with the herb Mugwort. Yup the name is sorta funky but this stuff is amazing. Mugwort was considered the 'universal herb for protection and prophecy' throughout the ancient world. Native Americans believe that Mugwort has the ability to purify the spirit. And on a medicinal level it can calm frayed nerves, ease stress, help ensure a restful sleep, aid in digestion, combat allergies + has even been used in holistically treating certain forms of cancer. Been drinking an earthy blend called Recirculate which has Mugwort as one of it's primary ingredients. This tea rocks- it helps recirculate the hormones, oxygen + nutrients throughout your entire body. Click on over here to order some.
May 18, 2014
Accidental Brilliance Muse...
The path to where it is we are going may not always be straight. There is even a chance we will go down the wrong road, we might get terribly lost. It is the risk to embark that will matter the most. It will be the willingness to risk it all that will guide us to the the right road. Continue on even when the path is not clear...continue on because it is the detours + the wrong roads that will show you where you truly want to go. Search deep down, in your heart + in your soul because you know where you belong...what you deserve.
accidental brilliance original layout + thoughts with images via pinterest, loveandclothes, weheartit
May 10, 2014
May 7, 2014
Simple Wisdom of Buddha...
It is rare that things will be exactly as you would like. If you can give up what it is you believe must be + instead put in it's place what actually is, there is so much potential. Accept everything the way it is because in what it is there is the potential + fertile ground to become what it is meant to be.
May 2, 2014
Tunes For Today...
...so flows the current beyond this moment. Hold onto that thought- this moment too shall pass whether is is peaceful, difficult or inspiring...it is fleeting. The current continues to move forward even when you feel like nothing is happening. Trust in all you do not see. Believe that the next moment will arrive as all things do...right on time. Like ships that pass in the night, do not miss all that is being offered to you right now.
Love what she is wearing...
Never underestimate that your confidence, your attitude is what the universe responds to. Don't sit back + let life pass you by. Do something, do anything to show the universe that you want more. Don't settle for less than you know in your heart you deserve. Just because things are difficult, it does not mean that they are impossible. The universe sees everything. Try, try harder today than you did yesterday. Do not worry that things have not worked out as you believed they should have. Things work out as they are meant to, although that is hard to believe- they do. Try, try as hard as you can because the universe sees you getting up each day + trying. The universe rewards those who don't give up, give in or sit around. Find your confidence even if it is hiding deep down inside. Don't let anything, any little thing keep you down- GET UP + fight.
accidental brilliance original layout with images via pinterest, stylefiles, rockpaperscissor
April 30, 2014
Be Free...
It is all within you…including the answers you so desperately seek. Sit still + in that silence listen closely. Life is a series of changes- step out of the way + don't resist them. Reality is reality so, accept what is happening. Let things flow forward in the direction they are going. Don't make the mistake of believing that you have control over the way certain things are happening. Let them happen + realize that there is no need to control the flow. You are limitless...you are free. Take it slow, one step at a time. Allow yourself this opportunity to give yourself over to what is next. Recognize that there is no need to direct anything, instead embrace all that is happening.
April 29, 2014
Accidental Brilliance Picks...
...wander to the edge + leap. Know that only when you take a risk will the universe embrace you with arms wide open. Believe that at any point you can tip the balance of your life + make things different...make things happen. This moment, these moments are being given to you as a gift, do something with them. Stand in your own light, let nothing dim your glow. Go get lost in order to find yourself. Free yourself from all of it, that which holds you back from seeing what is just over the edge.
Accidental Brilliance original layout + thoughts. Images via pinterest, style+bite, weheartit
April 25, 2014
The Girl Has Got It Goin' On...
Accidental Brilliance original layout with images via pinterest, knowyourrights, thedream
February 4, 2014
Accidental Brilliance Muse...
...if you walk only on sunny days you will never reach your destination she had read somewhere. And because old ways won't open new doors, you must be brave. You must walk even when it is dark + trust that with courage you will come out on the other side.
original layout with images via pinterest, stylerain tumblr, chloe+ruby
February 3, 2014
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Simple Wisdom of Buddha + Somethin' From The Format...
Focus on it each day...being yourself, it is the most important thing you will do she had said. Life will twist + turn, it will at times hurt + other times be beyond all the beauty you can imagine. It will be about finding + losing, remembering + hoping, believing + wishing. It will be about taking chances + knowing that no matter what there is always another chance...to be yourself, to be happy, to be content + yes to be yourself.
if you are not able to view the music video please hit this link + enjoy the tunes
January 21, 2014
Love What She Is Wearing...
...she was often reminded of something that she had read somewhere- a soul connection + you will have a number of them will among many things mean that you have recognized that the other person has an important part to play in helping you become more fully who you are. It will not only inspire you to expand but also to confront whatever stands in the way of expansion. To that I might add we each wait for these meetings + they arrive exactly when we need them. Do not be afraid to expand or to become who you are meant to fully be.
Posted by Accidental Brilliance at 6:55 PM No comments: Links to this post
Labels: Love What She Is Wearing, Muses
January 20, 2014
For Today...
...and anything can be. You must suspend all disbelief in the things you can not yet see but know in your heart belong in your reality. Know that you are the creator of all the things that are in your life. It is in your power to bring into your life all that you see when you close your eyes, where all is clear + all is calm. Do not lose sight of all you see...
January 18, 2014
Deposit For The Style Files...
...because it will be the smallest thing that might mean the most. The times when you feel like nothing makes any sense, the sense comes. Be still and know...know that with patience, peace comes + in turn the soul becomes.
Accidental Brilliance Layout with images via valentino, pinterest, weheart it
January 7, 2014
January 6, 2014
Tunes for Today...Gabrielle Alpin
They say that there is no need to reinvent the wheel but there is no doubt that when you do something that has already been done, it will be your version. And because it is your version, it is best + perhaps knowing that, it is worth a try. Sitting on an airplane they repeat the same instructions before take off- in an emergency they remind you that lights will illuminate to guide you...always remember that, you are always guided even when you can't see the lights.
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The Girl Has Got It Goin' On...
The whole world + everything in it can be yours someone once told her. Hold onto that thought she reminded herself. And then the advice that someone once shared...as you go through life, you will see a great chasm- JUMP, it is not as wide as you think. You will make it, all you need is COURAGE.
Accidental Brilliance Layout with images via veronicalovesarchie, knowyourrights, pinterest
January 5, 2014
Accidental Brilliance Superfood + Supplement Series...Benefits of Fennel Seeds
I recently started drinking a tea that has fennel seeds infused in it + not only is the taste really pleasant, I feel the effects after I drink it. I got curious about all the health benefits of this tiny little seed and got to researching. Fennel seeds have a similar flavor to licorice and anise and are naturally sweet + add something really special when brewed in a tea. The seeds are rich in flavonoids that act as antioxidants to protect against free radical damage, combat cancer, slow degenerative diseases, and reduce oxidative stress to the cardiovascular system. The fiber in fennel seeds acts as a cleanser in the digestive system. Essential oils in these seeds help ease muscle spasms, reduce inflammation.Fennel was considered an herb for eyesight in ancient India and Rome. Extracts have shown some promise in improving the symptoms of glaucoma. Fennel has beneficial effects on memory and cognitive function. They also contain phytoestrogens that can help balance hormones. Fennel seeds and their phytonutrients reduce asthma symptoms and help clear the sinuses. They make a great tea to aid with bronchitis, congestion, and cough as they have expectorant properties. The fiber and essential oils in fennel seeds helps the body remove toxins. There are different ways to incorporate fennel into your diet but I gotta say steeped in a cup of warm tea is my new favorite way !
Accidental Brilliance Muse...
There is such beauty in the idea that each new day is a clean slate, a blank white canvas where anything is possible. Start over, re-do, try again, hit fast forward...you have these options each time the sun rises anew. It is never too late . Hope always emerges if you clear the way - don't lose your trust or your faith.
Accidental Brilliance Layout with images via myotherbagisachanel tumblr, jaclynpaige tumblr
Posted by Accidental Brilliance at 9:47 PM No comments: Links to this post
Labels: accidental brilliance blog, hope emerges, Muses, starting over
January 4, 2014
Simple Wisdom of Buddha + Somethin' from The Dig...
It is all about perspective...the way you see things determines how things affect you. No matter what happens, there truly is something to gain in every experience we have. You have to look closely sometimes but, there is always a gift for you. No, not every gift is wrapped up with a shiny bow but it is nonetheless part of the plan. Let it go. Recognize that what feels like a loss is simply the universe steering you away from what you no longer need + closer to what should be yours...what will be yours.
Posted by Accidental Brilliance at 8:20 PM No comments: Links to this post
Labels: Buddha, Buddha Quotes, Music, Simple Wisdom of Buddha, The Dig
December 31, 2013
With love, luck + grace...
Happy New Year sweet wonderful you...I shared very similar sentiments last year + somehow although the year has changed my hopes for you are the same. I wish you all that you see for yourself through your clearest eyes. There is a beautiful Zen proverb that says, leap + the net will appear. This year, I hope that you follow your passion + trust that it will lead you where you need to go. Listen to your heart. Live with intention + love with complete abandon. Embrace simplicity, trust your instincts + speak your mind...always. Spend the year nourishing your body + soul. Collect experiences, not things. Set a goal + accomplish it. Believe in yourself + be yourself. The new year is all yours for the taking.
December 30, 2013
Don't think twice...
...there are certain emotions that there are no words for, certain endings that are inevitable + yet are bound to bring new beginnings. The key it has been said, is to not stand in the way of the fate of the flow. The flow of life that is...your life. Don't think twice...let go what does not work + allow what is meant to be yours flow in.
December 29, 2013
Accidental Brilliance Picks...
...she had borrowed his hat as she left that day- conveniently she had not given it back. Although it was too big for her, she remembered something that someone once told her- stay close to anything that makes you feel alive. Somehow this silly hat did just that, reminded her that...she was alive + that when he looked at her, to him she was the best thing in the world. Even in a hat that did not belong to her or fit her, she was magic...at least to him.
Accidental Brilliance Layout with images via stylefusion, know your rights tumblr, pinterest
Posted by Accidental Brilliance at 8:07 AM No comments: Links to this post
December 28, 2013
Blind Pilot...Tunes For Today
...with just a few days left of this year perhaps it is time to sit back + look at all you have accomplished. At times we have a tendency to look at the things we did not do, the things that did not turn out as we planned, please don't do that. Look at all you have done, you are that much closer to wherever it is you are going. You are that much further along your path on this journey called life. Here's to you + all you have done, all you will do. You have so much to be thankful for, focus on that + it will expand.
December 27, 2013
The Girl Has Got It Goin' On...
...and just like that certain things began to make sense. So she would gather up her things, all the star dust, all the goodness + she would give it to them. Always leave people better than you found them. Even when times are hard trust that those you love, those you have loved will always remember once the dust settles that you were kind, that you were true. Always be kind + true...always.
Accidental Brilliance Original Layout with images via knowyourrights, pinterest, veronicalovesarchie
December 26, 2013
Accidental Brilliance Superfood + Supplement Series...
Accidental Brilliance Muse...
If it is right, it happens- the main thing is not to hurry. Nothing good gets away that I know + as life unfolds, you realize that many times you thought your were being rejected from something good, but you were in fact being directed to something better. No matter what happens look at the lessons because, there is always something to learn. There is always something that makes you better, makes you stronger. Never underestimate how strong you are. Life is in the simplest way about getting stronger, getting better- everyday is a chance, a chance to be better than you were the day before. The best is yet to come...you must believe that.
December 17, 2013
Twists + Turns...
...and no doubt there will be the twists + turns you don't expect but there in lies the lesson. We are offered a lesson within everything we do + everyone we meet in life. It is simply a matter of recognizing the lesson that lets you grasp the value of it. Sometimes we are not even aware that we need the lesson. But, it is our lessons that bring us closer to our true essence. And, it is in our true essence where our deepest desires, truest passions + untapped talent lives. Once you allow yourself to be vulnerable enough to realize you are not alone, that you will make mistakes + need to make them, the lessons find a way to slip in. Absorb all the lessons you can, your own + those of others. Don't ever believe that you can't handle what is happening in your life. We are all given lessons sometimes in the form of what feels like tests, do not back down- it is the way the universe knows we are prepared to experience what is next for us + there is always something better waiting for us.
image via marlow35
Posted by Accidental Brilliance at 9:09 AM 1 comment: Links to this post
December 16, 2013
December 9, 2013
Simple Wisdom of Buddha + Somethin' from Iron + Wine...
...and although we should never look at anything we do or have done as a failure, there is truth in the knowing that when we go against what we know is best for ourselves + those around us there are consequences which we might not even imagine. It is a choice and the decision is to go towards the light + where we know the positivity is. It is the only decision to make + the one where the best that is meant for each of us lives.
December 5, 2013
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Kayla Mendoza learned about #yolo the hard way, after causing a car accident that left two dead hours after tweeting "2 drunk 2 care." According to the Miami New Times, the self-proclaimed "pot princess" hasn't yet "been charged with a crime involving the crash," but authorities believe "Mendoza pulled her Hyundai Sonata onto the Sawgrass Expressway going the wrong way and crashed into a 2012 Toyota Camry, killing the two passengers inside."
Florida Highway Patrol says the wrong-way driver hit the Toyota just after 1:45 a.m. Marisa Catronio was pronounced dead at the scene. Her passenger, Kaitlyn Ferrante, was taken to Broward Health North, where she later died. Mendoza was also transported there and is in serious condition. (Via)
Mendoza is most definitely NOT #blessed.


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- air cooled slag
- шлак воздушного охлаждения
Англо-русский строительный словарь. 2013.
Смотреть что такое "air cooled slag" в других словарях:
Construction aggregate — Limestone quarry … Wikipedia
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metallurgy — metallurgic, metallurgical, adj. metallurgically, adv. metallurgist /met l err jist/ or, esp. Brit., /meuh tal euhr jist/, n. /met l err jee/ or, esp. Brit., /meuh tal euhr jee/, n. 1. the technique or science of working or heating metals so as… … Universalium
coal utilization — Introduction combustion of coal or its conversion into useful solid, gaseous, and liquid products. By far the most important use of coal is in combustion, mainly to provide heat to the boilers of electric power plants. Metallurgical coke… … Universalium
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I guess there is no reason, in real-life, why a suspension railway has to be one-directional
However, it seems like suspension railways, like electric model railroads with one positive and one negative track, won't allow tear-shaped loops.
I don't see how the logic for railways or roads, even with one-way patch, would work for this. One-way or not, roads have two lanes which allow for overtaking. That must be forbidden. Roads also drive by sight, while I assume suspension railways use signaling like most other dedicated railways.
You can not turn and go the other way, but there is nothing inherent in the rail system you from not turning around yet still going the other way. All you need is a cab in both ends, a drive train that runs both ways and suitable signaling (if you got any at all).
No vehicle in Simutrans ever moves backwards, it always turns.
Not that it would matter much - if you imagine a circular way, on two opposing points on the circle, you would have the very same graphic for the railway. Therefore, if there is only one rail, and you build a circle, the rail would suddenly switch sides. It should be obvious to see why the usual mechanics don't work with a type B Wuppertal-esque suspension railway.


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Attorney–Student Mentorship Opportunities
Having a professional mentor is a great benefit to students in navigating the law school experience, exploring the array of career options available, and setting the stage for more successful professional development. Cardozo currently offers two exciting options for mentorship of students by attorneys: the NYS Bar Association–Young Lawyers Section Mentorship Program and the Student–Alumni Mentor Program. We encourage you to take advantage of these opportunities to obtain invaluable mentorship guidance!
An attorney mentor may offer you valuable insights regarding:
- techniques for succeeding in law school
- skills development, such as networking and interviewing
- professionalism
- legal practice areas
- obtaining experience and resume building
- effective job search strategies
It should be noted that a mentor need not practice in your primary practice area of interest (if you happen to know what that is already) to be effective and helpful in your career and professional development. Working with a mentor who practices outside of your primary area of interest can be highly beneficial, as the mentor can offer advice regarding job search strategy, building appropriate experience, networking, etc., and may be able to introduce you to attorneys who are engaged in the area that you would like to work in. This cross-fertilization of advice across practice area boundaries can provide you with truly valuable insights. Think outside the box when selecting your mentor!
Regardless of which mentorship program you participate in (or even if you participate in both), it's important to remember that a mentor is a professional who can be an excellent source of advice and perspective but is NOT to be seen as someone who is responsible for finding or securing a job for you. Getting a job is your job, not theirs. The mentor's role is to provide guidance and advice. Taking and acting on that advice may be helpful to you as you conduct a job search, but this is just a secondary benefit of the overall mentoring process.
More information regarding these programs is listed below.
Student-Alumni Mentor Program
Many alumni are happy to assist law students with defining and setting career goals and developing a better understanding of the real life demands of the legal profession. There are many opportunities available to Cardozo students to obtain guidance and mentorship from alumni and other professionals both informally and formally.
On a more informal basis, students can:
a. Attend the Office of Career Services "Nosh & Knowledge" informal speakers series; the small group format of these chats allows you to ask questions and get an insider view of how alumni and non-alumni professionals do what they do for a living;
b. Find alumni engaged in numerous career fields on LinkedIn by joining the subgroup "Cardozo Career Connect." These alumni are often open to engaging in informational interviews and providing quick answers to career path related questions; and
c. Attend frequent events in the law school attended by alumni and other professionals. Many are organized and co-sponsored by the Office of Career Services and Alumni Affairs, among other departments and student organizations.
More formally:
a. Each year 1L students can opt-in to participate in the Cardozo Professional Mentor Program and be matched one-on-one with an alum in the Spring Semester. These mentors are willing to guide Cardozo students in navigating the law school experience, as well as the first steps on the path toward becoming legal professionals.
If you have any questions about the mentoring opportunities mentioned above, or would like to discuss other opportunities for mentorship, please visit the Office of Career Services on the 11th Floor.
Cardozo Student Mentor Program


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Creative Ballet students will be introduced to ballet fundamentals and French terminology while incorporating creative movement in an encouraging, non-competitive and safe environment. This is a great class option for children who require a more high-energy, playful and creative approach to learning movement as opposed to Pre-Ballet which is more suited for children that thrive in a focused and structured setting. We will work on social skills such as taking turns, following directions, dancing with a partner, as well as musicality, creativity, and self-expression through movement. The joy filled classes will help increase focus, motor skills, strength, balance and flexibility. We will also explore story ballets, and learn a piece of choreography to represent the story we are studying.


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Category: Stock Graphic, Textures
Stock Graphic >> Texture - Metal Textures 12561 by Krukowski @ CreativeMarket
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Metal PSD Textures
Great for digital artists, photographers and graphic designers
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Easy to edit layered psd file
9 JPG files 3500x3500px each
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The loan life coverage ratio or loan life cover ratio (LLCR) is one of the most commonly used debt metrics in project finance and also often used in corporate debts. Unlike period-on-period measures such as the debt service cover ratio (DSCR), the LLCR provides the lenders with a measure of the number of times the project cash flow over the scheduled life of the loan can repay the outstanding debt balance.
This tutorial looks at the LLCR calculation, common errors and oversights made when modelling LLCR, and a method to check the calculation.
Definition of LLCR
LLCR calculation
Common errors an oversights made when modelling the LLCR
Checking the calculation of LLCR
An LLCR of 2.00x means that the cashflow available for debt service (CFADS), on a discounted basis, is double the amount of the outstanding debt balance.
An LLCR of 1.00x means that the CFADS, on a discounted basis, is exactly equal to the amount of the outstanding debt balance. The movement of a key variable to achieve an LLCR of 1.00x is an important measure of the strength of the project economics, often referred to as the 'LLCR break-even'. A typical example is analysis of a toll road where the analysis could be 'the project achieves a break-even LLCR at 38% reduction of patronage from the base case'. In comparison the debt service coverage ratio (DSCR) breakeven might only be 20%.
Generally the ratio is calculated as:
From time to time borrowers request and lenders allow other 'assets' to be either included in the numerator or excluded from the denominator to reflect instances where there will be other cash deposits available to the lender in the event of default rather than just the NPV of the CFADS.
For example it is not uncommon to find the balance of the project's cash account, or the debt service reserve account (DSRA) added to the numerator or netted from the numerator. Extreme caution needs to be applied when assessing the economics of a project where the LLCR is supported with such cash account balances.
When DSRA is included, the LLCR is usually calculated as below (but always need to check for some variations as described in the transaction term sheet).
The LLCR does not pick up weak periods as it essentially represents a discounted average. For this reason, if the project has a steady cashflows with credit foncier repayment, a good rule of thumb is that the LLCR should be roughly equal to the average DSCR as illustrated in the example below.
Algebraically the LLCR is a simple calculation, however it is also a calculation which is prone to error. Below are some of the frequently encountered mistakes:
The NPV in the numerator is calculated with the wrong base time so the LLCR values are all on different 'time basis'.
Incorrect use of the (X)NPV function in Excel.
The discount rate has not been calculated as cost of debt, which includes interest and margin (and appropriate PRI if applicable).
The discount rate, which is usually the 'Average Cost of Debt' is overcomplicated rather than calculated simply as: = Total Interest and any fees (for all tranches) / Total Debt Balance B/f (for all tranches).
The formulas are too complicated making them hard to edit if the definition requires variation or to validate.
The definition of the LLCR in the model is not clear and has not been validated against the debt term sheet.
LLCR covenants are used to trigger cash sweeps, while at the same time including interest on reserve accounts / cash balances in the model resulting in a circular model.
The inclusion of CFADS has not been correctly capped at the end of the loan life or until the maturity of the debt.
CFADS has not been clearly presented in the cashflow waterfall and the LLCR is incorrectly referring to some other line in the waterfall.
Adjustment has not been made and an annual discount rate is being applied to quarterly cash flows, or vice versa.
When the DSRA/c balance is included, be cautious that the DSRA/c balance shall be added to the NPV (CFADS) line and not to be discounted as in CFADS.
There are some good rules of thumb to check if LLCR has been calculated correctly:
For steady cash flows with a credit foncier repayment the average DSCR should be very close to the LLCR. This is a good rule of thumb to cross-check the LLCR and/or the average DSCR. This is not always the case especially in highly sculpted or exotic repayment scenarios.
If CFADS is constant throughout and a credit foncier repayment is being adopted, then the calculated LLCR should also be constant. Screenshot 1 illustrates an example where the annual CFADS is approximately USD 100 million throughout and the credit foncier repayment is adopted. The LLCR of 1.66x throughout.
There are numerous other tutorials and free resources related to financial modelling in Corality's SMART Campus.
Some of the more popular courses that relate to this topic include:
PPP/P3/Infrastructure: Financial modelling and transaction analysis
Advanced Project Finance Modelling
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Rickard's passion for financial modelling is built on specialist roles in the highly quantitative fields of derivatives and project finance, a career path complemented by an academic grounding in engineering physics. Born in Sweden and with global consulting and leadership experience, Rickard is an internationally recognised authority, speaker and thought-leader on the organisational benefits of best practice financial modelling.
Contact Rickard Wärnelid
The 2016 course portfolio has officially been released. With a financial modelling focused course portfolio of 14 courses and experience from over 4,000 participants, we have the right course for every situation.
All our training courses are built upon the foundations of our SMART methodology.
GE chose Corality's "best in class" methodology and service for modelling their award-winning Boco Rock wind turbine project. Read more about what they had to say in our client case study.
From wind farms in Germany, to sugar plantations in Guatemala, diamond mines in Australia and hospital developments in Canada, we work around the globe and around the clock to get your job done.
Knowledge sharing is a big part of Corality's culture. We face new challenges every day and solve them together. You'll be able to indulge your passion for financial modelling, with people who do it better than anyone else.
Because we only succeed when you do.
SMART has been used in thousands of models produced by industry professionals around the world. This handbook highlights the ten guiding principles of SMART, demonstrating a best practice approach to financial modelling.
SMBC made the decision to invest in project finance modelling training for their project finance employees. Mark Giblett, Group Head of Project Finance (Asia), engaged Corality to deliver a four day, tailored training course to their team based in Singapore.
By offering a combination of classroom, online and tailored corporate in-house courses, Corality can now deliver incredibly flexible and targeted training results, a stronger course portfolio in the investment banking segment, a more frequent schedule of courses in the U.S., and a world-leading online training platform.


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OSPFv3 introduces the concept of LSA flooding scopes. There are three scopes, Link-Local, Area-Local and AS. What do these scopes mean? How are they different from OSPFv2?
The scope dictates how far an LSA is forwarded unaltered. Most LSAs are forwarded as is throughout the area they originated in. The AS-External LSA is forwarded throughout the OSPF domain, except into stubby areas. Link-Local scope LSAs are flooded over the directly attached link and no further.
The first two bits of the LSA type identifier also identify the scope, making anything starting with 0x0 link local, anything with 0x2 area-local and anything starting with 0x4 AS scoped. Here are the LSAs per scope:
|Link-Local (0x0*)
|Area-Local (0x2*)
|AS (0x4*)
|Link-LSA (0x0008)
|Router LSA ((0x2001)
|AS-External LSA (0x4005)
|Network LSA (0x2002)
|Inter Area Prefix LSA (0x2003)
|Inter Area Router LSA (0x2004)
|Type-7 LSA (0x2007)
|Intra Area Prefix LSA (0x2009)
Now, this may seem as a weird new thing in OSPFv3, but it works the same as in OSPFv2. First, a quick look at the OSPFv3 LSA types and their v2 equivalents:
|LSA type
|LSA Type
|Router LSA
|Router LSA
|Network LSA
|Network LSA
|Inter-Area Prefix LSA
|Network Summary LSA
|Inter-area Router LSA
|ASBR Summary LSA
|AS-External LSA
|AS-External LSA
|Group Membership LSA
|Group Membership LSA
|Type-7 LSA
|NSSA External LSA
|Link LSA
|Intra-area Prefix LSA
I will leave the Group Membership LSA out of this overview, since Cisco has not implemented this. The other LSAs can be grouped in four types of data: neighbor data, intra-area, inter-area and external. Let's take a detailed look at these groups.
Neighbor data
There is only one LSA in this group, the OSPFv3-unique Link LSA (0x0008). It contains data that is specific to the neighborship on that link, such as the link-local address and router priorities. This information is only necessary for any directly connected neighbor, so is not advertised beyond that. Small detail: Virtual links do no use Link LSAs, so they truly are Link Local.
Intra area LSAs
There are three intra-area LSAs, of which one is unique to OSPFv3. These are the Router, Network and Intra-Area Prefix LSA.
OSPF routers calculate graphs only to nodes within it's own area. The actual calculation is simple and needs two sorts of information: nodes and edges. Edges should only have two nodes as endpoints, to make the calculation work. With point to point connections, this is simple: all nodes only have one neighbor node connected to any network. These are the point-to-point networks in the Router LSA. But Router-LSAs also contain transit network, which are multiaccess.
With a multiaccess network, you need to simplify the representation of the edges, to get a simple graph again. A full mesh between all routers would quickly balloon to a lot of edges, making the SP calculation a lot harder. A more elegant solution is to represent the multiaccess network itself as a node to the graph. This is called a Pseudo-Node and is exactly what the Network LSA represents.
Because the tree is only calculated within the area, it is logical that the Network and Router LSAs are only flooded within the local area, hence the scope.
OSPFv3 introduces a third LSA that is intra-area: The intra-area Prefix LSA (0x2009). To calculate the tree, you only need to know which node is connected to which other (pseudo)node. You don't care about the actual IP information attached to the nodes or the edges. So OSPF decoupled this information from the Router and Network LSAs. Since this LSA is basically Metadata about those LSA's, the flooding scope should be exactly the same.
Inter Area LSAs
There are two inter-area LSAs as well: Inter-Area Prefix (Network summary) LSA (0x200)3 and the Inter Area Router LSA (ASBR Summary) (0x200)4.
To simplify the shortest path tree calculations, OSPF uses areas. The idea about areas is that you calculate the shortest path tree within your area and attach any routes external to the area to an area border router (ABR). So, all you need to know, is a list of prefixes available and information about which ABRs can relay the packets for you. You can throw away all the other information about nodes and edges. An ABR will take the prefixes from all LSA type 3's from different areas plus all prefixes from Router and Network LSAs in OSPFv2, or from all Intra-Area Prefix LSAs in OSPFv3 from one area and advertise this information as LSA type 3 into another area. Remember, this information will only be advertised into, or out of Area 0. If it goes from one area into area 0 and then out into a third area, the LSA is recreated by the ABR. This means the necessary scope for this LSA is Local-Area
But now we have a small problem. The AS-External LSA (see next section) wil advertise routes external to the OSPF domain. It does this by advertising prefixes attached to an exit node (The Autonomous System Border Router, or ASBR). If we have a simple LSA type 5 from another Area, we don't know how to reach that node, since we just threw away all node information. Enter LSA type 4, the ASBR Summary LSA (called Inter-Area Router LSA). This LSA is created whenever an LSA type 5 is sent into an area by an ABR. Since this information is also created by the ABR, this LSA has Local-Area scope.
External LSAs
There are two external LSAs: the AS-External LSA (0x400)5 and the NSSA external LSA (0x200)7. Both basically serve the same purpose: to insert routing information from outside the OSPF domain.
The AS-External LSA will contains the prefixes that are advertised into the domain and the node to which these prefixes are "attached". Depending on area type, you want this information to be available throughout the OSPF domain, so the AS-External LSA has a flooding scope of the entire autonomous system. But wait, if you want this information known throughout the AS, why does LSA type 7 have a flooding scope of Area-Local? This is because LSA type 7 are a patch to make insertion of routes possible in a stub route, transforming it into a not-so-stubby area. This LSA type is only used here, and is translated to a type 5 when advertised into Area 0. So, with LSA type 7 as Area-Local and type 5 as entire AS, you still get all the information everywhere.
So there we have it. We have two reasons for LSA's to belong to the Local-Area scope: The information is only needed in the local area, or the information is summarized/translated into another area. For AS scope, we have the LSA with information about external routes. For Link-Local scope, we have information about the neighborship only.
All LSAs that exist in OSPFv2 are flooded exactly the same as in OSPFv3, it is just mad explicit in the type identifier.


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Musicians have the resources to finance the things they support. Ordinary people try but often fail to have the required funding—which is why we tend to see celebrities investing in crypto and blockchain startups. The latest headline involving a celebrity moving into blockchain is as follows: Peter Gabriel invests in blockchain startup.
Peter Gabriel Invests in Blockchain Startup
You may remember Peter Gabriel as the former lead singer of Genesis, an English rock band formed in 1967.
Now, Gabriel, 68, is moving away from the music industry (so to speak) and into the blockchain industry. Specifically, according to a news release published on Wednesday, July 18th, Gabriel is investing in Provenance, a blockchain startup based in the United Kingdom.
It's fitting that Gabriel has decided to invest in the technology, considering Genesis was a revolutionary, progressive band, and blockchain has a similar reputation.
Details on the Peter Gabriel Blockchain Investment
The news release didn't provide a lot of detail, leaving a lot of questions unanswered. For instance, how much did Gabriel invest in Provenance? Perhaps we'll get the answer to this question in the days to come, but for now, the figure remains unknown.
There are some things that we do know, though. First, Peter Gabriel has a tremendous amount of faith in Provenance.
In a statement, the English singer and humanitarian said that he is "convinced" that Provenance and the services it provides will "find a big role going forward" by "using [its] blockchain data system."
Gabriel added that the service Provenance provides will "be of great use to the consumer," and will provide an even "playing field for smaller, independent producers."
Second, Gabriel isn't the only one to invest in Provenance. Merian Ventures, Digital Currency Group, and Working Capital Fund have all invested as well, according to the news release.
So What is Provenance?
It's all well and good to say that Provenance provides exceptional services, but do we know anything else about the blockchain startup? You bet!
Founded by Jessi Baker, Provenance aims to transform supply chain transparency. Specifically, since 2013, Provenance has been trying to create transparency in food transportation.
In the Wednesday press release, Provenance said that it plans to use its funding, and Peter Gabriel's help, to build a supply chain platform that is entirely blockchain-based. By 2025, the platform will, says Provenance, be live and have more than 1,000 clients.
Crypto Celebrities
Peter Gabriel is not the only musician to get involved in the crypto and blockchain industry this year. Even those who aren't investing in startups are showing their support to the sectors.
For example, at Consensus 2018, Snoop Dogg performed at the XRP Community Night.
Back in January, Katy Perry posted a photo on Instagram showing off her manicure, which happened to be crypto-themed. She called them her "crypto claws."
There are other well-known figures moving into the sector too. In June, reports surfaced that Steve Bannon was transitioning into the crypto sector.
The Takeaway
Peter Gabriel invests in blockchain startup Provenance, but was it a smart move? I'd argue that it was—if he were investing in a crypto startup, it might have been a different story, though. But because blockchain is thought to succeed crypto in the future, Gabriel probably chose the right industry out of the two.
What do you think?
>> TRON (TRX) Now Supported on Ledger Nano S
Featured Image: Twitter


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Oxfordshire, 17th August 2016 – Medelinked is now integrated with Microsoft Health and Band. The integration ensures that wellness summary data from Microsoft Health app and Band wearable is available in Medelinked to help users manage their own and their family's health.
Microsoft Health and Band enable users to collect and view their data about step counts, workouts, and even sleep quality in the mobile app and web dashboard. Vivid, easily-understandable charts help users get to know their current fitness level, and discover changes at a glance.
Integration with Medelinked also provides peace of mind that if they need urgent medical treatment at home or abroad, their secure medical history can be quickly and safely accessed and shared from their iOS or Android mobile device.
Managing all health data in one place helps individuals securely track, monitor and improve their health state, ensuring their latest health data is accessed and enabling the provision of the best possible care, keeping individuals in control of their own health.
Microsoft Health and Band joins other Medelinked integrated services such as Garmin Connect, UP by Jawbone, Samsung S Health, Nokia/Withings and iHealth, in enabling users to record data directly into their Medelinked health record but also include a range of medical details including allergies, conditions, immunisations, medications and tests and the ability to store clinical standard DICOM MRI scans and x-rays to complete their health profile as well as storing insurance and other documentation.
Using Medelinked individuals are also able to create personal and family health profiles online that are secure, locate healthcare specialists and connect and share their health records with their network of trusted health partners and providers (including doctors, dentists, physiotherapists, trainers, insurers, clinical researchers).
Patients' medical records are held securely using the Medelinked Health Cloud system. The user has sole control over the information that is stored and whether they wish any healthcare individual or organisation to view any part of their medical history.
The user can also choose any information they would like to store in a password-protected Emergency Records area, which a chosen family member or colleague can immediately access in the event of an emergency.
Ian Gallifant, Medelinked founder and CEO, says: "We are now seeing a dramatic shift in healthcare - individuals have a heightened interest in their own wellbeing and are increasingly interacting with personal technology to manage their lives.
Making a difference starts with such health information being stored in an easily accessible way and providing users with the ability to add to their records and share information easily with the healthcare professionals they locate and choose - to ensure the best advice is given based on previous history, wherever they are around the world.
Adding Microsoft Health and Band to the host of apps, sensors and devices that integrate with Medelinked ensures customers are in control of their health and personal, portable electronic health records are the way forward for improved healthcare and better outcomes in the future."
Microsoft Health helps you live healthier by giving you actionable insights into how your physical activity benefits your overall health. View your data and insights about your step counts, workouts and even sleep quality in a mobile app and a web dashboard. Easy-to-understand graphs chart data that are important to help you understand your current, and changing, fitness levels.
Built in the cloud, Microsoft Health continuously evolves to offer you more valuable data over time. As you view your activity data, Microsoft Health helps identify opportunities to meet your goals through observations of your fitness levels. As your fitness levels and goals change, insights change with you.
Sync your Microsoft Health data with apps like MyFitnessPal, Strava, RunKeeper and MapMyFitness. Be inspired by curated workouts from Gold's Gym, Shape and Men's Fitness. As the number of partnerships grow, the easier it will be to manage your health and meet your wellness goals.
Using Microsoft Band gets you full access to the power of Microsoft Health, Microsoft Band tracks your heart rate, steps, calorie burn, workouts and sleep quality with eleven advanced sensors. Using your Microsoft Band data, Microsoft Health gives you access to easily-understandable summaries and charts of your health and fitness gains over time, as well as personal, valuable insights. Microsoft Band works across platforms on your Android, iPhone and Windows Phone.
Microsoft Band works with Windows Phone 8.1 update, iOS 7.1 or later, and Android 4.3-5.0 phones, with Bluetooth. Microsoft Health app required; available in English only. Microsoft Health app is available from Google Play, Apple App Store and Windows Phone Store.
Leveraging mobile technology and the cloud, the Medelinked personal health record platform aims to increase health care efficiency and effectiveness and to continuously improve health outcomes.
In use in over 80 countries around the world, Medelinked ensures that an individual's health record is secure, complete, under their control and always available at the point of care - accessible via PC, Apple Mac or any iOS or Android tablet or smartphone.
Using Medelinked individuals are able to create a health profile online that is secure and connect and share their health record with their network of trusted health partners and providers (including doctors, dentists, physiotherapists, trainers, insurers, clinical researchers).
Managing all health data in one place helps individuals securely track, monitor and improve their health state, ensuring their latest health data is accessed and enabling the provision of best possible care.
Using Medelinked individuals can request appointments and connect and share their health record with their network of trusted health partners and providers (including doctors, dentists, physiotherapists, trainers, insurers, clinical researchers).
It also enables patients to communicate securely via email, voice, text, video and instant messaging with doctors and other medical professionals and enables medical professionals to securely connect and communicate with each other to get a rapid overview of their patient or client's history - including being able to access medical reports, records, messages, x-rays and DICOM scans with automatic updating of patient records after every consultation.
Medelinked Health Cloud and API is the leading platform already powering some of the best mHealth applications allowing developers to create a series of new applications that deliver real health benefits to the end user and healthcare professionals.
In providing this free service to patients, professionals and developers, Medelinked is building the world's largest aggregated medical data platform for partner health solution development and research, a resource that promises to benefit patients and professionals alike as they seek to understand disease better and continuously improve outcomes.
Based in Oxfordshire, United Kingdom, Medelinked was founded in 2005 and named as one of the Global Digital Health 100 for 2015.
For more information, please visit www.medelinked.com
Ian Gallifant
07879 994944
[email protected]
Jonathan Simnett
07976 227224
[email protected]