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These tutorial posts will show you how the debt snowball table works using examples and screenshots. If you're having problems getting your account to work right, check these out:
Yes, this site will remain free as long as people want to use it. There is a premium account option, but you get plenty of features with the basic (free) version. You can visit the support the site page to see how you can help the site.
No, you don't need an account to use the site. Check out the Debt Snowball Calculator page to get a payment plan without signing up for anything. There's also a demo account setup so you can take a test drive before signing up.
Go to the My Account page and you'll see a section where you can delete or reset your account. Deleting your account clears all of your information, while reseting your account just deletes the transactions and history. After confirming you want the account deleted, all of your info will be immediately deleted.
This site is based on accounts with monthly payments, but there is a way to workaround the problem. First, change the due date of the account to the end of the month. Record your payments as you normally would, but you'll have to override the payment amount. When you make payments, keep an eye on the due date. If your payments are over the minimum payment due amount, the due date will get bumped up to the next month; just go into the debt details page and change it back to the end of the current month.
Here's a blog post that goes into more detail.
Your password is never stored in plain text in any fashion; it gets encrypted before getting stored. I cannot see what your password is. When you go to the login page or new user registration page, SSL encryption will automatically be enabled. All traffic between this site and your browser is protected in the same method that the banks use. Be sure to check out the privacy policy & terms of service page for more info.
Yes. Go to the debt details page for the debt account and uncheck the box labeled Include in payoff plan?. When you go to the Debt List page, you'll notice that the account will be labeled "excluded".
Go to the Debt List page. This page shows a list of all of your debt accounts and there is a form at the bottom for adding new accounts. Click on the name of the account in the list to get to the Debt Details page of the account. There is also a link to add new accounts on the left sidebar in the "My Debt Accounts" section.
No, unfortunately there is not. I don't have the resources to develop a mobile app at this time. However, the site has been designed to work very well on all mobile devices using a web browser. You can even make a shortcut on your phones' home screen: in iOS, open up the site using Safari and click on the share button (the square with the arrow pointing up) and click on the "add to home screen" button. An icon will be created that goes directly to Undebt.it.
No, unfortunately this will probably never happen. It is just me running this site and connecting third party banking information takes a tremendous amount of resources. You can however, use Undebt.it+ to sync with your YNAB account.
It sounds like you either have your monthly budget set too high *or* you are joining mid way through a billing cycle and you have already paid some of your debt accounts for the month. Undebt.it will try and use all of your budget each month to pay down debt and if you have just created an account, the site doesn't know that you've already made payments. The best way to fix this is to record the payments you have made in the debt details page for each account. Just make sure you choose the current billing month when entering the payment amounts. As you record your payments, you will see the numbers change in the "Payments Made" box on the status bar across the top of the screen. Once all of your payments are recorded, your payment plan will be accurate.
Here's a blog post that goes over the issue in more detail.
You can change the payoff debt method in two different places. When you choose a new plan, everything is updated automatically for you and you can change it back any time you like.
I encourage you to select different plans to see how your payoff date is changed. Of course, you can fine-tune your payoff plan with the custom payoff plans.
The two places you'll be spending the most time are the Dashboard and the Snowball Table page. The Dashboard is where you can keep track of your current accounts and record payments. The Snowball Table page shows you your entire payment plan from start to finish; it's like what you see on the Debt Snowball Calulator page.
The "balance" field refers to your current statement balance. The "high balance" can be your current balance too if you're just getting started. It can also be used to track existing payoff progress before signing up on the site. For example, let's say you have a credit card with a current balance of $1,000, but it got as high as $5,000 last year. You've been paying it down in the meantime and the current balance is down to $1,000. The high balance would be the $5,000 number. However, if you want to start the progress from scratch, just use your current balance as the high balance too. The highest balance is only used to track your overall payoff progress percentage.
Go to My Debts > Debt List and scroll down to the bottom to the "Add New Debt Account" section. You can setup as many debt accounts as you like.
You'll see the term "billing month" on the debt details page. It refers to the month in which the payment is due. It's possible that a payment is made at the end of the month, but the account's due date is in the following month. For example, if you have a debt that's due on June 6, the billing month is June (even if you pay it on May 31).
Yes. Go to the debt details page for the debt account and uncheck the box labeled Include in payoff plan?. When you go to the Debt List page, you'll notice that the account will be labeled "excluded".
Go to the Debt Details page for the account (click on the account name on the Account List page). There is a "Delete Account" button at the bottom of the page.
Interest is automatically accrued (added to the balance of your account) once a month - you do
not need to manually add the interest charges. The day of your account's due date is used as the accrual date.
For example, if you have an account that is due on 3/29, the interest will be accrued every month on the 29th
Undebt.it supports promo interest rates, so if you have your account set to be in a promo, then the promo interest rate is what will be used to calculate the current month's interest.
There's also an area on the debt details page where you can see a history of the monthly interest charges. Note that your bank or lender may calculate interest differently, so it may be necessary to occasionally update your accounts balance manually.
Debt Snowflakes are handled on the Additional Payments page. All you need to do is enter in the billing month and amount you plan to have extra. You can have more than one snowflake in a month if you like (they are added together). You can even have a negative snowball amount in a month if you know you're going to be short on a given month. Remember, snowflakes are an extra amount on top of your regular budget.
Sure. What you would need to do is go to the Additional Payments (debt snowflake) page and create a snowflake with the negative amount for the month you need to skip. For example, if your current snowball amount is $250 but you know you won't be able to pay anything extra next month; create a snowflake for -250 for the month and your payment plan will be adjusted. Repeat as needed for each month you need to skip.
For Undebt.it to work correctly, you need to be able to at least pay the minimum amounts due on all of your accounts. Let's say you have a monthly budget of $1,000 and the total minimum payments due on your debt accounts is $900. Then you decide to add another debt account that has a $150 monthly payment. Undebt.it will automatically increase your budget to $1,050. If you are unable to pay the minimum amount due on an account, then you need to exclude it from the payment plan. There is a setting in My Account > Profile Settings called "Auto Budget Adjustment" where you can turn this off if you like.
Undebt.it supports deferred due dates, so just add it in like any other debt account and choose the actual due date. Check out the Debt Snowball Table and you'll notice that there won't be any payments due on your student loan until the month when the payments are scheduled to kick in. One thing to remember is that the payments on the deferred loan will be automatically reallocated to other debt accounts until the payment is due. *Tip* If you have a deferred loan and you don't want the payment to be reallocated, create a negative amount debt snowball for each month you want to skip a payment.
Make sure you are logged into your account and then visit the Undebt.it+ page. At the bottom of the features table, click on the link that says Purchase Now
Bill management is part of the Undebt.it+ suite of optional add-on functions. The Undebt.it bill management module was built from the ground up and designed to handle your recurring, non-debt expenses such as cable, phone, utilities, etc. Here are some of the highlights:
Absolutely. Just login to your account and go to the Undebt.it+ page and click on the button labeled Enable 30-Day Trial and you're good to go. There's no credit card required to try it out. If don't want to buy the membership, just let it expire in a month and there's nothing else you need to do.
Go to the My Account page and then to the Undebt.it+ Membership tab. You'll see your order history as well as the date that your membership is good through.
Go to the My Account page and select Debt Blaster from the debt payoff method list. Next, decide on if you would like to increase your budget by a percentage amount or a fixed amount. Your monthly budget will be automatically adjusted on the first day of every month. You can see your payoff plan on the Debt Snowball Table to see your new payoff plan.
Yes, there usually are active promotions. Check Facebook and Twitter for active promotions - the links to both are in the page footer.
Yes it does! You can sync your account balances automatically. Check out this blog post for directions and screenshots.
No it does not renew automatically. You'll get an e-mail 10 days before the membership expires to remind you to renew your account. Don't forget to look for promo codes when you renew.


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I'm back once again with some more gets! I've been really excited over receiving these as they are pieces for my main collections (and myself which you shall soon see). I'm sorry that I haven't been able to post any earlier than now but I've been busy with exams -.- (its that time of year again).
Anyway, I just want to add that these items were SO hard to photograph so I apologize in advance. XD
Okay, so the first thing I received was this beautiful I Love Eevee Jolteon keychain plush. I have been after this plush for a long long while but was convinced to get it thanks to the wonderful ville_valo!!
The next gets were from the amazing jen81489 who with the help of meloman1a ran the Whale Of A Tale GA. Thank you guys so much and I love my items to pieces!
Moving on, first off is my little growly coin (who is so difficult to photograph -.-)
He is adorable and I lufs him :3
And then, the main reason I participated in the GA, the beautiful Hot Topic Arcanine shirt! Its just amazing!
I took the picture whilst I was wearing it which is why its at such an awkward angle XD
Next is some recent finds and makes:
For finds, I was looking through my box of poke figures and found this little guy who I again had trouble taking photos of.
He's so detailed! This is my one and only metal figure but he's making me want more XD.
And for makes, I recently made my own Jolteon bag!
He's not professional by any means XD I just wanted to see if I could make him haha.
Well, that's all from me for now. Thank you for reading!
Pupstergirl ~

subset: commoncrawl


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Last weekend, in defiance of the sunshine, I went to the movies. First, I saw a Tim Burton film starring Johnny Depp with white makeup and blackened hair playing a misunderstood loner (pictured). He is befriended by a middle-aged mother and, despite his apparent asexuality, he is romantically pursued by one of her friends. He is, however, besotted with a doe-eyed young lady, but their love is doomed because she, unlike him, is mortal. The movie climaxes with outraged townsfolk storming his gothic castle, horrified when they learn of his true nature.
After that, I decided some Wes Anderson was in order. This movie featured improbably eloquent children and focused on an especially precocious boy who is mocked by his peers and misunderstood by the adults, all of whom are emotionally damaged and less mature than the children. There are scenes involving over-the-top amateur dramatics. Bill Murray shambles about, playing a chain-smoking, embittered cuckold.
The idealists are probably thinking that I treated myself to a delightful double bill of Edward Scissorhands and Rushmore, easily two of the best films of the 1990s, from two of the then most excitingly distinctive directors to emerge from American cinema in quite some time. The cynics, however, will know 'twas not the case. Instead, I watched the latest films from Burton and Anderson – Dark Shadows and Moonrise Kingdom – two movies with weaknesses made only more obvious by the surface similarities with their far superior predecessors.
What happened to these directors? Two original voices have become not just derivative but self-derivative. Not that they're the only ones to suffer this fate. Last week, the trailer to Baz Luhrmann's The Great Gatsby was released and, having not seen the movie, it's impossible to say whether the film actually resembles Luhrmann's Romeo + Juliet as much as the trailer suggests (wild party, anachronistic music, doomed love, moody Leonardo DiCaprio), or if the studio just wants audiences to think it does. Sofia Coppola, once feted for her hipster moody style rehashed her reputation-making film Lost in Translation with her latest film Somewhere, this time starring Stephen Dorff, to coma-inducing effect.
Neither Dark Shadows nor Moonrise Kingdom is terrible. But they are predictable and both show Burton and Anderson pillaging their own catalogue to diminishing returns. (Suzy in Moonrise Kingdom is so similar to Margot Tenenbaum from The Royal Tenenbaums that the later film could be a prequel.) They take the stylised surface of their old films, yet forget the emotional wallop beneath that made Rushmore, Bottle Rocket and The Royal Tenenbaums (Anderson) and Edward Scissorhands, Ed Wood and Batman (Burton) so special. Burton's films have become more sentimental since his parents died, a point he conceded several years ago. But sentimentality is the opposite of emotional truth. Meanwhile, Anderson was presumably too busy Instagramming Moonrise Kingdom to give it any kind of depth.
Bill Murray is at risk of becoming to Anderson what Johnny Depp is to Burton, his once revelatory performances for that director ossifying into schtick as a comparison between his wonderful turn in Rushmore and his barely sketched one in Moonrise Kingdom proves. Similarly, the tenderness that Depp brought to Ed Wood has hardened into ham: in Dark Shadows he merely mashes up his Michael Jackson impression from Burton's disappointing Charlie and the Chocolate Factory and his Ichabod Crane from Burton's Sleepy Hollow. In his fantastic foreward to the 1994 book, Burton on Burton, Depp profusely thanks the director for rescuing him from his 80s career of being a "TV boy, heart-throb, teen idol, teen hunk. Plastered, postered, postured, patented, painted, plastic." But 20 years on, his performances are looking just as restricted.
Neither Anderson nor Burton suffers from laziness or a paucity of imagination; as Anderson's Fantastic Mr Fox and Burton's take on Sweeney Todd showed, both were apparently rejuvenated by working in a new genre (respectively, stop motion animation and musical). More likely, they are the product of a bloated but insecure studio system, one that gives successful film-makers as much money as they like – as long as they make exactly the same movies they made before. The 2009-10 exhibition of Tim Burton's drawings at New York's Museum of Modern Art was unedited and overindulgent and felt like a metaphor for too much of Burton's career.
A director can have a distinctive stamp without becoming repetitive. Woody Allen's consistent style, music and that familiar nebbishy Allen persona can give his films an all too-easy-to-parody feel. Yet the best Allen films are generally ones in which that persona is either relegated to the sidelines to give the more complex characters space (Hannah and her Sisters, Crimes and Misdemeanors), counterbalanced by an equally distinctive character (Annie Hall) or simply absent (The Purple Rose of Cairo).
In other words, while Allen stays true to his style, he does not – at his best – sacrifice it for substance. Anderson and Burton, however, who had seemed so expansive, have painted themselves into a twee and gothic corner, their movies once giving audiences the thrill of the new, now all too often provide only the comfort of deja vu.


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Please see attached the OCup 1 - Ontario Team Trials information and registration package. Hosted by the Eastern Ontario Division (EOD), at the Rideau Canoe Club (Ottawa, ON) on June 2-3, 2018, the competition will be used as:
The competition includes Open Men's Kayak, Open Men's Canoe, Open Women's Kayak, Open Women's Canoe and Open Paracanoe events.
All registrations are to be completed through CKC's Padtrac online entry system. Registration opens on Wednesday, May 9 and will close on Wednesday, May 23 at 3:00 pm. Any additional entries after the registration deadline will only be considered at the Competition Meeting on Friday, June 1 at 5:00 pm if there is an available lane (no additional heats will be added for post-entries).
Cost for the event is $150 per athlete. National Team carded athletes receive a free entry into the event.
Each participant must complete an online waiver to compete in the event. The link to the waiver will be published by May 15, 2018. Once completed, the waiver will cover participation in all 2018 OCSRA events.
This is the first of four OCup Series events this summer. Participant results will go towards their clubs OCup Series Grand Champion and Excellence Award points.
If you have any questions please let me know.
News >


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This year the Australian Catholic Bishops have chosen this parable as the focus for the 2013 Social Justice Statement, Lazarus at Our Gate.
It may be too easy for observers and the disillusioned to dismiss this statement in the light of the horrifying revelations about sexual abuse and the failure of Church leadership to act for the protection of children and the vulnerable.It would be irresponsible for Australian Catholic clergy to ignore the message and challenge this statement offers to the cult of clericalism and its failure to witness to a "preferential option for f the poor".
We who claim Catholicism as our faith do so across a colourful spectrum of commitment.And in Australia we carry on a long tradition of social engagement that challenges political and religious abuse which sits uncomfortably in the pages of our history. The Australian Catholic Bishops have issued 65 of these statements since 1940.
As the new Abbott Government begins its Parliamentary term I hope each member of the Cabinet as well as all elected members of the House and the Senate will read this document and respond to its final challenging question, "Who is at Our Gate?
I have collected a series of resources and references that I hope will add to your reflection and action in response to this year's Social Justice Statement.
The ACSJC website - www.socialjustice.catholic.org.au - has resources available for download free of charge They include Social Justice Sunday Liturgy Notes, a PowerPoint presentation and resources for schools and social justice groups.


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Delightful secluded Charentaise Villa with private heated pool, sleeps 8
Bedrooms: 4
Weekly price guide: £1150-£2200
Type: Villa
Property Ref: CHE2662
General Description
Modernised in 2016, a charming secluded charentaise style villa with private heated pool and secure garden. It sleeps 8 comfortably, with room for 2 extra children and has all comforts to help make a perfect holiday.
The traditional 150 year old house is designed to be cool in summer and warm in the winter, and well equipped for you to enjoy your stay. There is so much to do and see whatever the season.
The Charente-Maritime is renowned for its micro-climate. This provides long periods of sunshine, second only to the French Riviera. This usually lasts from March to October, with warm days at both ends of that season, and even the winters can be quite mild.
Situated on a small hill above the Charente valley in the ancient province of Saintonge, the property is surrounded by vineyards planted to get the maximum sun possible – these produce the grapes for the famous cognac and delicious local fortified wine pineau. The vines are edged by small woods which attract a variety of wildlife. For example from the garden you can see deer walking through vines in the morning, watch buzzards wheeling above, listen to the crickets, or a nightingale in the evening and hear the extraordinary call of a golden oriole. The garden catches the sun all day long, with huge expanses of sky to really appreciate the weather, bird life, or perhaps gaze at the stars at night. Close by, running through the wood, is evidence of the Via Agrippa roman road which ran between Saintes and Lyons.
This is a spacious property offering plenty of flexible accommodation and modern facilities for up to eight people - with space for two extra children - but it also works well for smaller parties wanting more room or a couple for a romantic getaway. Downstairs the spacious open plan living room easily accommodates everyone, with a large fire for cooler seasons, as well as a piano. Next to the living room is a separate snug with further seating. A large modern kitchen diner – the garden room – has patio doors leading out to one of the terraces and an outdoor eating area with barbecue. There is also a double downstairs en-suite bedroom as well as a cloakroom with another shower. Upstairs there are three good sized bedrooms, one is en-suite and depending on the size of the party, a second room can become en-suite. The pretty bedrooms have comfortable quality mattresses which can be configured as singles or superking doubles.
The attractive fenced garden is flat, offering views across the vines and plenty of different areas to relax in, whether you want sun, or shade. The secure pool area is a delightful private sun trap; the heated pool is 8m x 4m and a uniform depth of 1.5m. The pool is available for use from 1st May to 30th September, or by arrangement at other times. The flat lawns allow people to make use of the outdoor games and activities. Guests are welcome to help themselves to cherries, peaches and greengages from the fruit trees. The drive, within the garden, allows parking for at least three cars, and includes a shaded car port.
Even though the house is a traditional design, the property has been equipped for modern living including four fully modernised bathrooms, heating and double glazing. There is WiFi, Sky television, French television, charging sockets for mobile devices and a fully equipped kitchen with electric oven, induction hob and wine cooler.
The peaceful location is at the end of a no through road but is only 15 minutes from Cognac and 20 minutes from Saintes. Smaller towns offering bakeries and small supermarkets are even closer. A short walk through the woods brings you out to the local bus stop. All the towns have regular traditional French markets; Saintes has a market every day. Both Saintes and Cognac have local train stations; Angouleme is the nearest TGV station (soon to be on the Tours to Bordeaux TGV expansion). There are also TGV stations at La Rochelle and Niort. The nearest airports are at Bordeaux and La Rochelle.
The local region provides something for all interests for example; kayaking on the river, or climbing through the trees at Fontdouce; cycling through local lanes; walks along two of the national long distance footpaths - GR4 and GR360;the history and cultural development of the Saintes area from well before roman times; the famous cognac business and tasting tours; a lively music scene including the annual Cognac jazz festival; the world championship motocross at St Jean d'Angely; Haras National de Saintes (national breeding stables) and the unique Poitou Charente donkey; not forgetting the fine restaurants throughout the area. The nearest coast is only 40kms, providing magnificent sandy beaches. The thriving historic port of La Rochelle, regional capital of Charente-Maritime, and bustling city of Angouleme, the regional centre of Charente, are both about an hour away.
Accommodation Facilities
|Downstairs: 1 double en-suite bedroom, easy access
Upstairs: three good sized bedrooms, one is en-suite and depending on the size of the party, a second room can become en-suite. The pretty bedrooms have comfortable quality mattresses which can be configured as singles or superking doubles.
|2 en-suite shower rooms with WC
1 family bathroom with shower, bath and WC
1 upstairs separate WC
1 downstairs shower and WC
|Modern kitchen with island. Electric oven, induction hob, extractor fan, microwave, fridge with separate freezer, wine cooler, dishwasher. Very well equipped
|Living Rooms:
|Dining room adjacent to kitchen
Large living room, seats 8 - 10 comfortably
Sky and french digital terrestial TV
CD player with apple connexion
Unlimited wifi
Fire if needed in winter
|Other Rooms:
|Snug with sofa for quiet time next to living room
Downstairs cloakroom with modern washing machine
|Linen/Cleaning/Towels etc:
|Linen and towels are provided
Cleaning at end of stay
Change of bed linen if requires in middle of fortnight stay
|Large secure garden
Plenty of seating areas, in shade and sun
2 terraces each with seating for 10, eating area outside kitchen/dining area
Weber kettle BBQ
Table tennis table
Outside games
Heated 8 x 4m pool, constant 1.6m depth, fenced with secure self locking gate
Parking for 3 cars on drive within the property
|Additional notes (if any):
|Welcome pack
Changeover day Saturday.
No smoking.
Insurance - It is recommended that all guests take out insurance to cover against potential cancellation and any accidental damage caused during your stay at the property. "assurance villégiature"
Local Area / Activities
3km from Cherac and 5km from Burie where there is a good Carrefour connect supermarket. Saintes and Cognac are bigger shopping centres, both lovely towns, Cognac renowned for the cognac industry and Saintes a celto-roman town with many historic sites. The Charente river is 10km away, with beautiful walks, boating and fishing. The coast at Royan and the spectacular Côte Sauvage are 40km away.
Price Guide
These prices are a guideline only, please enquire for prices for specific weeks.
Contact Information
Key Features
- Exclusive Property
- Good for Groups
- Swimming pool
- Dishwasher
- Washing machine
- English satellite TV
- DVD player
- Internet access
- Fire / Stove
- Cot available
- Close to local amenities
- Suitable for young children
- Pets considered
- Near sea beach
- Near river beach
- Tennis nearby
- Golf nearby


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HAMPTON — The Beachcomber, the free weekly go-to-guide on the Seacoast, returns to the newsstands next week and it will be bigger than ever covering all the sights and sounds at the beach from its people to the events to the must visit businesses.
HAMPTON — The Beachcomber, the free weekly go-to-guide on the Seacoast, returns to the newsstands next week and it will be bigger than ever covering all the sights and sounds at the beach from its people to the events to the must visit businesses.
"It's all about fun and the sun," said Beachcomber Editor Patrick Cronin said. "As many as 100,000 show up to the beach on a hot summer day and the Beachcomber acts as a GPS to get you where you want to go on the Seacoast."
The magazine-style summer publication of Seacoast Media Group comes out each Thursday and is available in numerous shops, stores and restaurants in the Seacoast from Massachusetts to Maine.
It will also once again be inserted into the Hampton Union every Friday, increasing the overall distribution to over 11,000 copies each week, as well as having a presence on the Web site seacoastonline.com, which has over 33,000 visits a day.
Cronin said new writers and photographers have joined the team including Max Sullivan, a senior journalism major at the University of New Hampshire who has spent many of nights at Hampton Beach as a musician.
"The people and the places of Hampton Beach have been a part of my world for several years now," said Sullivan, who has written for the New Hampshire and Fox Sports' scout.com
"I'm excited to get the hands on experience this summer that working at the Beachcomber offers," Sullivan said. "I've worked so many weekends as a musician, playing in the bars as a solo musician and with my band. I always figured it would be a good idea to write about the area, and I'm excited to finally do it this summer."
In addition to being the go-to-source about where to go and what to do (including tide charts and a daily entertainment guide), the Beachcomber features stories and photos of the people and places that make Hampton Beach a five-star attraction.
It also offers puzzles, celebrity gossip and quirky features like "Get to Know a Beachgoer" to "Along the Boulevard, where they ask questions like "what is the song of the summer?"
"It has something for everybody," Cronin said. "It's the perfect beach read and it showcases the best businesses in the area."
Jim Latimer, media consultant for Seacoast Media Group, said this year the Beachcomber has partnered with Larry Marsolais at Lighthouse Distribution — a branch of Seacoast Media Group that specializes in the distribution of publications in Southern Maine, Seacoast of N.H., and North East Massachusetts — to increase circulation.
"This year you'll find Beachcomber in extremely high tourist traffic locations all up and down the Seacoast from Massachusetts to Maine and with more distribution in places like Salisbury and Amesbury, Mass., Exeter, Epping, Portsmouth and Rye New Hampshire," Latimer said.
"The entire Seacoast area is experiencing a wave of renovation and growth and Beachcomber is again growing with it."
Latimer said the Beachcomber is not just an advertorial piece. "It's a weekly news and information source and our readers enjoy it and look forward to reading it each week," said Latimer.
Beachcomber, which comes out weekly from May 29 to after Seafood Festival, will hit the streets every Thursday and with the Hampton Union on Fridays.
The Beachcomber has been a part of Hampton Beach since the 1940s and was featured in the national 2008 Editor and Publisher Magazine as one of the "10 (Publications) That Do it Right."


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SOUNDTRACK: THE KNIFE-Shaking the Habitual (2013).
Since I reviewed the 19 minute song from this album yesterday I thought I'd check out the rest of the disc (still a handful). I kept bearing in mind that The Knife are pretty much a dance duo. So this departure is not only radical, it pretty much undercuts the kind of music they make. The progress is probably exciting but I imagine fans would turn away in droves. I wonder how this record will play out for them in the long run. Incidentally, I wasn't a fan before, so I don't really have a horse in this race.
"A Tooth for an Eye" opens the record with an interesting percussion sound an a pulsing keyboard melody. The keening vocals come in sounding weird and distant and more than a little eerie. "Full of Fire" is a 9-minute song with a weird skittery "melody" that seems to float above the battered mechanical "drum." The whispered vocals are strained and also a little creepy. The middle section has the skittery music jump around while the vocals get even more processed—making it simultaneously more friendly and less so. It's probably the coolest weird song on the disc, with parts that are catchy and interesting and parts that are just peculiar. This is the single, by the way.
"A Cherry on Top" is 8 minutes of reasonable quietude, with the second half introducing an autoharp. It's certainly the most mellow thing on the disc. Although it's not exactly relaxing. "Without You My Life Would Be Boring" seems like it should be the single—it is propulsive and while the vocals are certainly odd, they are the most conventional thing on the album. "Wrap Your Arms Around Me" has big electronic pulsing drums and whispered vocals. It's a fairly normal sounding song (at least for this album), and could easily play in a goth club.
"Crake" is 55 second of squalling feedback. The album also has "Oryx" which is 37 second of wailing noise. In between is the 10 minute "Raging Lung" which is not available on Spotify. "Networking" a skittering beat with a second beat that may just be a sample of a person making noise in his or her throat. The "voices" get stranger throughout the song, keening, twisting and spinning, reminiscent of The Art of Noise.
"Stay Out Here" is a ten minute song. It starts with a fairly standard electronic drumbeat. Whispered vocals come in giving it a kind of Nine Inch Nails vibe, until the female vocals come in (and are quickly manipulated to sound kind of male). The switch from male and female vocals is interesting, giving it an almost modern sounding Dead Can Dance feel.
"Fracking Fluid Injection" has sounds like scraping, rusted gates as the beat with sampled voices overlaid. Again, this is nearly 10 minute long. The problem with things like this, aside from their relative tediousness, is that they aren't all that original. Now originality is nothing to hold a band to, we all know, but if you're going to do non-form sounds that are echoed with little else to it, it would be more interesting if there was something original to pin to it. "Ready to Lose" ends the album with a steady beat and a pretty standard vocal line (even if the voices are processed).
So this album us a pretty radical departure for the band and it's a pretty radical departure for dance music as a whole. I'm curious to see if this will lead to a anything or if this will be their one weird album.
[READ: April 15, 2013] "The Furies"
The story opens with a rather creepy man stating at his wedding reception that he is in an exclusive club: "There are not too many men who can say that they're older than their father-in-law." Ew. He was fifty-eight, his new wife 31. His father-in-law is 56. The father-in-law seems okay with this, but really how could he be?
Ray is a dentist and his new wife, Shelly, had been his hygienist for years. When Shelly told him she was thinking of getting a new job, he professed his love for her, and informed his wife, Angie that he was in love with Shelly. Angie took it badly, but he was surprised when she seemed mad that he didn't do this years earlier while she still had a chance to meet someone (rather than being distraught that he was leaving her). As a parting shot she says that she wishes him ill. And she hope he suffers with the woman who took him from her.
But they had no children, just assets, and things were divided evenly and cleanly. And he thanked his lucky starts to be with a new woman, someone who was fun and so different from his first wife.
His and Shelly's first argument came when he said he wanted to take her to his high school reunion (the fortieth). She did not want to go, no doubt realizing that he was showing off his new trophy (who math tells us was not even born when he graduated). But she agreed and they headed off to Medford, MA.
Now it was clear that things were going to go bad at the reunion. But it was surprising just how bad. The first women he meets remember him, but when he tries to be casually fun, they instantly bring up bad memories. And that's when they start telling stories about way back in school. How he got fresh with some of the girls, had indiscretions, and never followed up on any of them. Oh, and don't forget, Angie was their friend too.
I feared that the story was going to be one litany of school abuse after another, but Ray sees the writing on the wall and quickly leaves, tail between his legs.
But he is not totally thwarted, he takes Shelly to the makeout point, reminiscing about old hookups. I find this pretty creepy, but she seems to like the idea and begins to undress. They are soon interrupted, not by the police, but by one of Ray's old girlfriends who followed them up there to berate him for how badly he treated her back in school.
Ray and Shelly take off and head back to the hotel (the same one where the reunion is going on) where more women track him down—even calling his room to yell at him. His last refuge in the morning is a tour of his old home, but as soon as he pulls up the next door neighbor is there, looking old and decrepit and Shelly knows that he must have had something to do with her as well.
The reunion had been a bad idea. They were both angry and it was time to get home and start fresh. But when they arrive home, there's a note from a woman named Ellie. He lies (his first to her) and say he doesn't know an Ellie. But as they round the house, they see that a woman is sitting on the porch. It's not Ellie, it's someone else who is also mad at him.
Shelly was very angry with him. She slept in another room. And then she complained that when he saw those women he thought that they looked old and ugly, but she thought that they all looked just like him. The story comes to a head with one final visitor. She tells him something about his ex-wife, but his current wife is not convinced.
The story was very dark and kind of funny (in a twisted way). And I was delighted how what I thought was going to be a series of women complaining about him, turned into a more introspective and somewhat supernatural look at how harming people can come back to haunt you.


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What does your website say about you?
We've all seen those providers that offer cheap, quick courses with one off gifts such as iPads and laptops. While there is nothing wrong with providing students with resources to support their training, incentives such as discussed above can be dangerous as a marketing strategy.
RTO Doctor provides a range of resources below to help providers ensure that their website is compliant. In addition, Raelene Bartlett, Founding Director will be running a webinar in conjunction with VELG on Monday, June 23rd on website compliance.
VET FEE HELP Provider Application Guide
ASQA Strategic Review on RTO Marketing Practices
National Standards for Foundation Programs
National Code 2007, Part D, Standard 1 - Marketing Information and practices
National Code 2007, Part D, Standard 3 - Formalisation of enrolment
National Code 2007, Part D, Standard 5 - Younger Students
You can also find out about our Comprehensive Website Audit
I have worked with a number of consultants over the years but RTO Doctor has been by far the best. The reasons are, the personalised service that she gave us and the flexibility that she showed in enabling us to meet industry requirements.
In my view the knowledge that she brings to the audit process is first class. She clearly understands the industry requirements and the related government legislation and she is able to apply this information to practical situations. Personally I learnt a great deal through the discussions that we had and the advice that she gave me.
On a personal note I found Raelene was someone who was willing and able to help with any inquiry that related to accreditation and compliance. Her support was very much appreciated.
Rathini Sonnadara
Training Operations Manager


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McDonalds' golden arches, the Nike swoosh, Facebook's 'F', or the blue Twitter bird are all simple, well-known, timeless icons that evoke concepts, feelings and perhaps a large body of memories and experiences. Above are scores of well-know logos. All are visual links to everything we've seen, heard or personally experienced with the companies they represent.
Larger companies ysyally spend a significant amount of time, money and resources when developing their logos and their corporate 'look' for good reason. Logos speak volumes about their companys' unique personalities, their clientel, their sophistication, their personality and their professionalism. A unique, distinctive logo needs to be consistent with how a company wants to be seen in the marketplace. Your logo can lift you up, or drag you down.


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This has been such a big month for Peter! This month he started officially crawling, AND he has two tiny teeth coming in on the bottom. He is now eating a bunch of solid food: bananas, pears, sweet potatoes, mango, and peaches. He will not touch avocado, and I don't blame him. :P He's outgrown all his 6-month stuff, and some of the 9-month stuff. So he's wearing 9-12 months size and I'm scrambling to find stuff to keep him cool and happy.
As you can see from the picture above, he just graduated from his (way too small) bath chair to his inflatable ducky tub! This thing is awesome and Peter loves it! Bath time is now splash time as well. :) This month he started his first mimicking thing: he'll start slapping the table if we do. :P (Yeah, I know. So productive and educational.) The magic of Sinead O'Connor's "Only You" no longer works when he's inconsolable. :( Now he likes Birdy's "All You Never Say." Whatever. If it makes him stop crying.
We just booked our anniversary trip to Sanibel Island, FL - where we honeymooned - and we're bringing Peter with us! It'll be his second time in Florida, and we are super excited to be able to show him the very unit we rented three years ago. So much fun ahead!


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|Scrote Posted on 23/03/2013 14:12
A Musical March
|Edited On: 23/03/2013 14:13
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|Rob's post on the 'fly me' board reminded me of this site
figured it might be worth plugging my latest project...
31 Days. 31 Songs. To be rounded off on the 31th with my first studio produced song (which was done with John Taylor @ Mirage Studios in Marske)
Link: A Musical March
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Venture capital firms (VCs) provide financing in return for a proportion of your shares in the expectation of receiving high returns on their investment
Business angels are wealthy individuals who do the same - although they will usually expect a higher degree of personal involvement than a VC. VCs and angels will often lend you money as part of their investment, as well as providing share capital.
Why venture capital
You could consider venture capital (also known as private equity finance) if you have been unable to raise finance through traditional routes such as bank borrowings, your own resources, or the sale and lease back of premises or other assets. It may be an option if you are:
- running a successful business that needs money to grow - for example, to increase capacity to meet existing demand, or to develop new products or markets
- members of an existing management team looking to buy out the existing owners (a management buy-out, or 'MBO') or an external management team looking to do the same (a management buy-in or 'MBI')
- an exceptionally promising start up looking for funds for development and marketing
However, you should always take advice before approaching a VC or business angel, especially if you have been turned down by other traditional sources of finance.
Disadvantages of venture capital
Only you can decide whether it is worth giving up part of the ownership of your business in return for finance to take it to the next level. Disadvantages are:
- You must generate the cash needed to make the agreed payments of capital, interest and dividends. This can create great financial pressure.
- You will have to agree to certain restrictions as part of the deal, such as the amount you are paid and your involvement with other businesses, and you will usually need your investor's consent to major decisions.
- Your investor may insist on putting a representative on your board (or having power to do so if financial targets are not met). For VCs, this is usually a non-executive director who will only take an active part if things go wrong. A business angel will usually want to be on the board himself, and will play a more active part.
- You are under greater scrutiny generally, particularly in relation to your compliance with your duties and responsibilities as a director, eg to act in the company's best interests, and disclose personal interests in your company's affairs.
- Your investor will expect regular information and consultation to check how things are progressing. For example, monthly management accounts and minutes of board meetings.
What investors want
A minimum investment
Ordinarily, you should be looking for a minimum investment of at least £250,000 - preferably £500,000 - to be taken seriously by VCs (unless you are a special case, ie you are virtually guaranteed to provide exceptional returns). A business angel will be prepared to invest lower amounts in the business.
A stake in the business
Many VCs are restricted, by the terms on which they are allowed to invest, to no more than 10 to 20% of the shares in any one business. Few will want more than a 30% stake.
A business angel might be willing to take a higher stake, if the growth prospects are sufficiently enticing. But you would have to be very certain you could work together before giving the angel a stake of more than 30%.
The key question in either case is whether the stake they want is worth the money you need.
A high return on investment
VCs or angels will usually want a compound return of at least 20 to 30% per annum on their investment. Some of this will be dividend and interest payments, but most will be realised as capital growth when they sell your shares. It's therefore important that you can provide your investor with an exit route.
They will often take a combination of ordinary and preference shares, and debt. Their ordinary shares will have the same voting and dividend rights as yours, and a share of the assets left (if any), if the company has to be wound up.
Their preference shares will give them a guaranteed income as a 'first call' on the profits - for example, the right to a 10% preferential dividend (eg 10p per £1 share) on their preference shares before any dividend is paid on the ordinary shares. Preference shares may also be 'redeemable', ie the investor can cash his shares in and get his money back on a fixed date or series of dates.
As well as the usual company law rights that go with their shareholding, the investment agreement is likely to give them additional rights, such as power to appoint a director to your board. You need to be absolutely sure that you understand and can live with all the rights their stake gives them.
An exit route
Most VCs will want to sell their stake within three to seven years. The most common exit routes are:
- a trade sale to another company
- refinancing of their investment by another institution
- a listing of the shares on an exchange that enables them to be offered to the public, such as AIM (the Alternative Investment Market) or the Stock Exchange Main Market
- repurchase of the investor's shares by management, or by the company itself
Discussions with your investors, as their time for exiting approaches, will include agreeing steps to prepare for their preferred exit route.
Threshold requirements
VCs and business angels are inundated with applications every week. You must meet minimum threshold requirements before it is even worth applying.
You must have a successful track record - if it is not already profitable, the business must have a strong chance of generating sustainable and predictable cash flow and profits in the near future.
You need a balanced, experienced and professional management team, who:
- are putting their own money into the business
- are prepared to link a significant portion of their earnings to performance
- are contractually tied in - for example, an advertising agency will find it difficult to secure venture capital if key creative people could leave
If management have been involved with failed businesses in the past, disclose the extent to which they were responsible, and what they have been doing since. If the failure was more than ten years ago, and either they were only peripherally involved or have since rebuilt their fortunes, you probably do not need to worry about it. If it was more recent, you will have to work hard to convince investors that you are worth backing.
You need an excellent business plan - take advice and be prepared to spend time and trouble on it. It will be your selling document, and you will only get one chance at presenting it to each potential investor.
Negotiating the deal
Don't underestimate the management time required to find and negotiate a deal. An investment can take three to six months to complete (though it can be much faster) and, during this time, business performance can decline.
First, choose advisers. Obtaining venture capital is a major step, so always select advisers who are corporate finance specialists. Request - subject to confidentiality - a list of the venture capital deals they have personally completed in the last 12 months.
Work with them to determine how much finance you need, and when, and the level of interest and dividend payments your cash flow can support (you must have evidence to support your financial projections, including details of your assumptions and how sensitive your projections are). Also work with them to prepare a professional business plan, including a concise executive summary of, typically, no more than six pages.
Use your advisers to identify potential investors (the British Venture Capital Association publishes a directory, listing each member's preferred investment amounts and industries). Your advisers can contact candidate investors to get an indication of how much each usually invests, and what they will expect in return (though at this stage, everything they say will be subject to further negotiation and 'due diligence'). For example:
- what percentage of the company they will expect to own in return for their investment
- what additional requirements they will want to impose
- whether they will supply finance in a lump sum or in stages, increasing investment as the company reaches specific targets
Create a list of preferred investors and contact them through your advisers, circulating your executive summary. Remember you are 'buying' this money, and you should shop around and, maybe, use more than one supplier. You will be in a much stronger negotiating position if you can interest more than one potential investor, so approach a number. Send the full business plan to those who express an interest and arrange an initial meeting and/or presentation.
Prepare in advance for the lengthy due diligence process (typically one to three months), during which the potential investor's advisers will examine your company's books, records and managers, so you can provide key information quickly, such as:
- Financial details: for example, the real value of your assets and liabilities; how realistic your profit and loss forecasts are; how good your financial controls are.
- Legal details: for example, whether the business is involved in any litigation; what the key supplier and employee contracts are; whether the business has good title to its premises and any intellectual property.
- Key business factors: for example, what the business trends are; how well the business is managed.
Use your advisers to help negotiate valuations, the financial structuring of the deal, and tax implications. Your solicitor will draw up and negotiate the main terms of the investment agreement, which is likely to include:
- The amount and form of the finance to be provided and the rights the investor(s) will have.
- Warranties confirming that the information you have provided is true. If the business later fails and it is proved that you gave misleading information, the investor will usually have the right to claim compensation from whoever provided the warranties (typically you).
- Indemnities, where you agree to accept liability in certain circumstances. For example, if the company is sued in regard to pre-existing contracts.
- Service contracts that tie in key members of management and staff.
- Provision for payment of the investor's costs - ensure you only pay in the event the investment is completed.
Your solicitor will also advise on other legal issues such as service contracts for key employees and conflicts of interest in the case of management buy-outs.
Nothing will be finalised until the agreement is signed. In particular, the final terms may not be negotiated until the last minute when you are desperate to complete the deal.
Why negotiations fail
The most common reasons are:
- failure to agree a price or other key terms (this is especially common when several investment firms 'syndicate', ie join together to provide the necessary finance)
- legal problems cannot be resolved
- trading performance declines substantially during the process of raising investment
Professional advice and fees
Total costs of 10% or more of the amount raised are not uncommon for smaller investments, and 5% for larger amounts. You will usually be required to pay the VCs costs too. At a very rough estimate, a successful small company in a conventional business would probably have to pay between £10,000 and £25,000 in fees, to raise £250,000.
You will need an accountant and a lawyer. There are also brokers who claim to offer introductions to venture capital sources, although their services are variable in quality and can prove expensive.
Lawyers and accountants will charge on the basis of hours worked, while brokers usually charge a percentage of the sum raised. Some may also expect a bonus payment for success in raising capital for you. You will have to pay professional fees even if you do not succeed in raising the money.
If the investment goes wrong
If you suspect you can't comply with the investment terms, tell your investor what is happening, and what you propose to do about it. They would rather know than be kept in the dark.
If they are not happy with your explanations and proposals, there will be very little that they can actually do - apart from dumping the shares for the best price they can get, and passing the word around. (That could blight your attempts to raise new capital for years to come, so do not take it lightly.) If your outside investors hold debt, however, they may (depending on the terms), be able to force you to repay it. Whether they will do it will depend, at least to some extent, on whether they think you are reliable and trustworthy, and are prepared to back your efforts to turn the situation around.
Second-round financing
By the time you need second-round financing, you should have an established track record and management team, and you should be able to get the money on easier terms. You can either go to your existing investors or approach new ones.
If you need more money in the short term (eg within two years), because you miscalculated how much you would need, or the returns are coming in more slowly than you anticipated, or something else has gone wrong, neither your existing investors nor potential new investors are likely to help. Both investing institutions and business angels are hard-headed, and you are most unlikely to be able to tempt them into throwing good money after bad.
Always take legal advice.


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WESTCHESTER COUNTY, N.Y. (January 3, 2018) – Candidate for the 37th New York State Senate District, Sarmad Khojasteh (R), today made the following statement regarding Governor Andrew Cuomo's 2018 State of the State Address. "While Governor Cuomo's speech addressed a ...Read More
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Dear Friends, As some of you now may know, I am running for New York State Senate. As an immigrant whose family benefitted from the refuge and opportunity that the United States offers, I always have felt compelled to serve. ...Read More
New York State Senate candidate Sarmad Khojasteh (R) today officially launched his website www.sarmad4ny.com and social media accounts, further raising awareness about his candidacy, and to introduce himself to voters, outline policy positions, and raise money in preparation for the upcoming Special ...Read More
BEDFORD, N.Y. — A Republican is now throwing his hat in the ring to represent the 37th district. Sarmad Khojasteh, a Bedford attorney, announced he is running to represent the 37th Senate District set to be vacated when Senator George ...Read More
The Republican Senate candidate running in the soon-to-be-vacant 37th Senate district unveiled a campaign website this week that focuses not just on issues, but also his biography. Attorney Sarmad Khojasteh has something of a compelling story, too: Born in Iran in 1981, ...Read More
A Bedford attorney is the first Republican to officially announce his candidacy in hopes of filling the 37th state Senate District seat that will soon be vacated by County Executive-elect George Latimer. Political newcomer Sarmad Khojasteh, a commercial litigation lawyer with ...Read More
First-Time New York State Senate Candidate Sarmad Khojasteh Launches Website to Raise Awareness, Introduce Himself to Voters
Highlights Immigrant Story, Focus on Policies that will Give Every New Yorker the Opportunity to Achieve the American Dream WESTCHESTER COUNTY, N.Y. (December 19, 2017) – New York State Senate candidate Sarmad Khojasteh (R) today officially launched his website www.sarmad4ny.com ...Read More
YONKERS – Yonkers Mayor Mike Spano exclusively told News 12's Tara Rosenblum that he has officially decided to throw his hat in the ring for the New York State Senate. The two-term mayor says he is adding his name to ...Read More


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If you love artichokes, you'll be hard pressed to enjoy something better than our rich pairing of artichokes and their hearts, creamy parmesan cheese, and olive oil accented with onions, garlic, herbs and dots of roasted tomatoes. 7 oz each.
Serve on bruschetta rounds. Stir into a saffron risotto. Toss with pasta. Spread on a shellfish or chicken sandwich. Fold into a cheese omelet. Eat straight out of the jar!.
Sold as a set of 2 Jars
Artichokes, water, roasted red onions, extra virgin olive oil, lemon juice, garlic, aged parmesan cheese (pasteurized cow's milk, cheese culture, salt, enzymes), parsley, roasted dried tomatoes, salt, thyme, black pepper, onion powder, citric acid. Contains milk.
Serving Size 2 Tbsp (30g), Servings Per Container: about 7 Calories 30, Fat Cal. 15, Total Fat 2g (3% DV), Sat Fat 0g (0% DV), Trans Fat 0g (0% DV), Cholest. 0mg (0% DV), Sodium 150mg (6% DV), Total Carb. 3g (1% DV), Fiber <1g (3% DV), Sugars 0g, Protein 1g, Vitamin A (2% DV), Vitamin C (6% DV), Calcium (2% DV), Iron (2% DV). Percent Daily Values are based on a 2,000 calorie diet.
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text: Winter in the Bucks County and Montgomery County region of Pennsylvania is known for being especially fierce. Indeed, weather conditions in our region of the state often seem to change on a dime: Heavy snowstorms seem to appear out of nowhere overnight. And along with the powder they dump on our sidewalks, parking lots, homes and roads, we also have potentially dangerous ice conditions to deal with. If you're a business owner, snowfall and the buildup of ice can lead to lost revenue, absentee employees, and even lawsuits.


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For more information about our new "Show Me" Series, go here.
Welcome to our "Show Me" series! Your link-up can be just a picture, or pictures with explanation. Or just explanation if you're like me when taking the picture and actually getting it uploaded might mean you'd miss out!
The goal of this linkup is fun, though some might have a homeschool bent. If you you don't homeschool, please feel free to participate anyway and show us how that "show me" theme pertains to you and your home! And if we can share some tips and cool brainstorming ideas along the way — EVEN BETTER!
This week's theme is "Show Me . . . your bookshelves! (How your books are organized. Or not!)
If you've ever been to IKEA you'll probably recognize everything in our home.
You think I'm kidding. 🙂 I can quote you the style name and color, and probably can tell you what rack you will find it on in the warehouse!
First up, this is our newest bookcase. Yup, moved here and well heck, since we have more room, why don't we just add bookcases! (in the past I'd have been forced to stop buying books or get rid of some!) And no, I didn't even notice this area was messy until I uploaded the picture. Ha. We'll pretend I did it on purpose for realism! This one is on one side of hubby's desk in the living room. Next year he might get one on the other side of his desk as well, at the rate I'm going.
This houses all of our educational books that are free for the perusing at any given moment. Science, math, Spanish, and Biblical themes mostly. We added the games when I was purging the playroom because they were brought down here so much to play as a family. As you can see, this is a well-used area; my girls are all the time telling about the things they have learned on their own during their reading time!
These are the books in our main living room area, flanking the TV. These are the grown up "pretty books." Sadly, these are the ones we hold on to, but hardly touch any more. Both hubby and I have mostly gone digital with our books (out of necessity). Under the TV there is another shelving unit (you can see a corner of it in the 2nd picture) but it's mostly just packed with completed scrapbooks. The ones on this bookshelf are overflow! And thank goodness the blurriness hides the thick layers of dust everywhere!
Here is the classroom / my office. On one wall, we have the bookcase we use for active school stuff. I keep it here so it doesn't get "lost" and we can find things when we are using them, and it has our recently re-organized curriculum.
The books on the top are all library books, so they don't get mixed up with "ours." And I'm embarressed to admit how long I spent cleaning and organizing this bookcase over Christmas break to get it to this point.
Same room, but this is my "work" bookcase. That has been my project this week. I cannot even begin to describe how bad the "before" picture would have been!
And this is our "kid bookcase." My oldest went through a phase of wanting to be a librarian, so when we moved here, I book the kid bookcase in her room (it wouldn't fit in the playroom) and told her she was the librarian and it's her responsibility to keep this area nice and neat. It takes a lot more nagging than I would like (I'm a bit of a nut about books and taking care of books) but she got into it. She even made "library cards" and makes her little sister check books in and out!
So, there are our bookcases! This is not including the stack I have on the side table by the couch, or on each side of our bed in the master bedroom! I have my eye on a few more bookcases, actually. I know – we have entirely too many books already, but I have a compulsion!
Be sure to check out some of my friend's posts!
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Michelle at http://homeschoolerontheedge.crookers.com/
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Debtor, an experienced mortgage broker and real estate professional who engineered and caused the establishment of a conservation easement and environmental mitigation credit bank as to certain valuable real estate which he owned, acted with the requisite fraudulent intent under 11 U.S.C. § 523(a)(2)(A) when he conveyed and transfered the same real estate in fee simple to good faith purchasers for value but continued to sell those mitigation credits to third parties, such that the resulting judgment entered by the state court should be excepted from his discharge. Fraudulent intent, for purposes of Section 523(a)(2)(A), requires that the debtor subjectively intended to deceive the creditor, based on the totality of the circumstances. Such intent may be inferred from the circumstances, including when the debtor knowingly or recklessly made false representations. In this case, Debtor argued that he was simply and innocently mistaken as to his right to continue selling the credits after conveying the underlying real property and that he did not intend to defraud the Plaintiffs. The Court found the existence of fraudulent intent based on a confluence of factors: 1) Debtor misrepresented to Plaintiffs at closing that all of the credits had been sold and at no time disclosed his intention to continue selling the credits post-settlement, 2) no documents either severed the interest in the credits from the interest in the land or disclosed the existence of the credits, 3) no documents supported Debtor's argument that he honestly believed he retained the right to continue to sell the credits, despite the fact that Debtor engineered the creation of the property rights at issue, 4) any ongoing maintenance duties as to the conservation easement, if Debtor had any, did not entitle Debtor to exercise control over the credits, and 5) Debtor sold the credits in at least 15 separate transactions post-settlement utilizing a form contract that erroneously continued to identify his wholly-owned entity as the owner of the real estate.


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Browsing Economics (Working Papers) by Author "J.E. Cairnes School of Business and Economics"
Now showing items 1-1 of 1
Examining the dynamical transition in the Dow Jones Industrial Index from Bull to Bear market using Recurrence Quantification Analysis Moloney, Kitty; Raghavendra, Srinivas (2012-11-20)We present evidence of phase transitions (periodic to chaotic and chaotic to chaotic) in the Dow Jones Industrial Index as it transitions from Bull to Bear market. There is also evidence of a completely unpredictable (i.e., ...


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Camelot creates digital director role
British Gas' Tim Copper to take up new role in May.
Copper will take up the new role in May when he will report directly to Camelot UK's managing director Andy Duncan and will be charged with furthering Camelot's online proposition across its portfolio of brands.
Digital is a key areas of focus for Camelot having launched a number of online games in recent years plus a mobile and social media engagement strategy according to the company whose online site attracts over 6 million players each month.
"Our digital business is now a £1 billion-plus brand and we continue to lead the field of digital lottery innovation and e-commerce through operating the world's biggest online lottery," says Duncan.
Copper joins Camelot from British Gas where he held the same job title since 2008 and was responsible for the developments of its digital strategy, including the launch of its mobile app proposition.
News of his appointment closely follows the defection of Sally Cowdry, currently O2's marketing director, to the National Lottery operator who will begin a senior marketing role there in May.
Last week it emerged that Camelot had also recruited EE's marketing and insight director Nick Bonney who will take up a similar role there in June.


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Denon DJ's SC5000M is the world's only professional DJ media player with 7" motorised platter that delivers a true, mechanical spin beneath a DJ's fingertips
The new SC5000M Prime brings DJs the true essence of vinyl-based turntable performance, combined with ultimate creative control over their digital music files.
DJs and Turntablists wanting motorised control on a Pro media player will applaud the SC5000M's ultra-high-resolution platter response and authentic vinyl experience, in both the live gig and studio environment. The added benefit of 'Instant-Doubles' delivers the digital dream to a DJ's fingertips, so they can immediately duplicate their currently playing track, in its precise point in the timeline, onto another layer or deck -thus enabling even the most adventurous performers to get the best of both vinyl and digital worlds!
"The new SC5000M takes its rightful place in the Prime Series lineup by adding a 7-inch motorized platter to the already amazing performance capabilities of the SC5000", said Paul Dakeyne, Creative Director for Denon DJ. He added, "For professional DJs and turntablists who want a no-compromise media player with authentic vinyl-feel motorized control, there's really nothing else like this, anywhere."
The main features of the SC5000M:


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Frequent Links
Maspeth, Queens
|Neighborhood of Queens
Maspeth Savings Bank
Maspeth Savings Bank
|United States
|New York
|Founded by
|Dutch settlers
|Named for
|Maspat Indians
|Population (2010)
|• Total
|• White
|• Black
|• Asian
|• Other
|• Median income
|ZIP code
|Area code(s)
|718, 347, 917
Maspeth is a small middle class and commercial community in the New York City borough of Queens. Neighborhoods sharing borders with Maspeth are Woodside to the north; Sunnyside to the northwest; Greenpoint, Brooklyn to the west; East Williamsburg, Brooklyn to the southwest; Fresh Pond and Ridgewood to the south; and Middle Village and Elmhurst to the east.
The name "Maspeth" is derived from the name of Mespeatches Indians, one of the 13 main Indian tribes that inhabited Long Island. It is translated to mean "at the bad waterplace" relating to the many stagnant swamps that existed in the area.[3]
The area known today as Maspeth was chartered by Dutch and English settlers in the early 17th century, since 1621. The Dutch had purchased land in the area known today as Queens in 1635, and within a few years began chartering towns. In 1642, they settled Maspat, under a charter granted to Rev. Francis Doughty, making Maspeth the first English settlement in Queens;[4] the deed that was signed between the Native Americans and the settlers was the first one signed on Long Island. As part of the deed's signature, the "Newtown Patent" granted Script error: No such module "convert". to settlers.[5] Conflicts with the Maspat tribe forced many settlers to move to what is now Elmhurst in 1643.[6] The settlement was leveled the following year in an attack by Native Indians, and the surviving settlers returned to Manhattan.
In 1652, settlers ventured back to the area, settling an area slightly inland from the previous Maspat location. This new area was called Middleburg, and eventually developed into what is now the town of Elmhurst, bordering Maspeth. Originally, 28 English Quakers had founded the village of Maspeth, which had sizable water and milling industries along Newtown Creek and Maspeth Creek.[5] Two storekeepers, Nathanial Hazard and Francis T. White, sold food and clothes at the Maspeth Town Docks, at what is now 56th Terrace and Rust Street, by the late 18th century. After the American Revolutionary War, villagers repaved roads with crushed oyster shells or wooden planks.[5]
Columbusville was the name formerly applied to a section of Maspeth. It was a development of Edward Dunn that took place on 69th Place (originally known as Firth Avenue) between Grand Avenue and Caldwell Avenue during 1854–55, and was subsequently absorbed into Maspeth. The name fell into disuse in the 1890s.[7]
Following the immigration waves of the 19th century, Maspeth was home to a shanty town of Boyash (Ludar) Gypsies between 1925 and 1939, though this was eventually bulldozed.[8]
The area consisting of 43rd Street through 58th Street, including the former Furman Island, is industrial lowlands, and from 60th Street to 74th Street is residential.[9] The Phelps Dodge Corporation was present from 1920 to 1983, during which matter from their premises contaminated Newtown Creek, which separates northern Brooklyn from western Queens and serves barge traffic. In the 2000s, politicians started to make efforts to clean up the Newtown and Maspeth Creeks.[9] Freight train traffic moves on the Long Island Rail Road Montauk Branch and the lightly-used Bushwick Branch, both of which are used by the LIRR, New York and Atlantic Railway, and Conrail; in addition, the LIRR Bay Ridge Branch, a freight-only railway branch, separates the neighborhood from Elmhurst and Middle Village.[10] A new West Maspeth rail freight station has been proposed in connection with a Cross-Harbor Rail Tunnel to diminish truck traffic across New York City. It is opposed by residents who do not want more trucks in Maspeth.[11]
The Elmhurst gas tanks were formerly located in the area and were demolished in 2001.[12] The Maspeth gas tanks were also located in the area until they were demolished.[10]
Single home houses and multiple dwelling homes make up most of Maspeth, and there are few apartment buildings, except for the Ridgewood Gardens co-ops along 65th Place. Houses in Maspeth range from 400–600 thousand dollars.[11] One particularly notable group of houses in the area is a cluster of 2- and 3-story orange and yellow brick buildings located between Grand Avenue, 79th Street, and Calamus Avenue; they were made for the Mathews Company and built in 1930 by Louis Allmendinger.[10]
Much of the area's commerce is situated along Grand Avenue.[9]
Cemeteries take up another large part of this small neighborhood, although they are separated from residential areas for the most part. The Mount Olivet Cemetery, the largest cemetery in the neighborhood, is located on a high hill in Maspeth and used to be an outer-borough vacation site. Mount Olivet Cemetery was planned on March 26, 1850, when James Maurice held a meeting at his Maspeth house to discuss the formation of the cemetery. Notable interments in the cemetery include cosmetics magnate Helena Rubinstein Courielli and sixteen victims of the 1911 Triangle Shirtwaist Factory fire.[5]
The neighborhood, which is nearly isolated by the industrial areas and cemeteries surrounding it, is described by some residents as having a small-town feeling. It is bisected by I-495, the Long Island Expressway, though the two parts of Maspeth are connected by several crossings across the expressway.[11] There are many community organizations, which have, among other things, preserved the neighborhood's small town-like character; for example, they blocked the construction of a Home Depot at the site of what is now the Elmhurst Park.[9]
Communal locations
The Maspeth Town Hall community center is located on 72nd Street.[11] A one-room schoolhouse between 1897 and 1932, it was then occasionally used by a local girls' club and the Works Progress Administration until 1936. It was a New York City Police Department precinct until 1971. The building was renovated and made into a community center in 1972.[13]
Other neighborhood institutions include the local Chamber of Commerce, the Lions Club, and the Maspeth Federal Savings Bank.[11]
Parks and plazas
A September 11 memorial has been erected at 69th Street and Grand Avenue to commemorate the local FDNY Squad 288 and HAZMAT 1 firehouse's casualties from the September 11 attacks on the World Trade Center, which were the largest of any FDNY unit.[13][14] The monument, adjacent to I-495, faces the World Trade Center site, where the One World Trade Center can be seen. An annual memorial ceremony is held at the monument on September 11.[15] The Walk of Honor, unveiled on Memorial Day 2006, is also in the square, and honors activists and visionaries who lived in the area.[5]
Public parks, operated by the New York City Department of Parks and Recreation, include the Frontera Park at 69th Street and I-495,[16] as well as Principe Park at Maurice and 54th Avenues.[17]
Maspeth is also home to the Metropolitan Oval, a playing field for soccer players, which contains a view of the Manhattan skyline.[18]
At Grand Avenue and I-495, a plaque to "Horse Cars Rest Stop" exists. There used to be a horse cart barn at Brown Place, one block east of Grand Avenue.[10] It is now Peter Charles Park, a small pocket park.[19] When I-495 was built in the 1950s, it also demolished many streets; the construction of I-495 left many small triangular plazas behind, such as at 57th Road and 73rd Place, where the "Quick Brown Fox Park", another pocket park, is located. The park is named after a story about a quick brown fox.[10]
Points of interest
A sign at the intersection of Flushing, Grand, and Maspeth Avenues marks the place where streetcar lines (now the B57, Q58, and Q59 bus routes) used to split.[10][13]
On the front yard of the Church of the Transfiguration on Perry Avenue, a replica of a Lithuanian roadside shrine has stood since 1981.[10][13]
St. Saviour's Church, built in 1847 at Rust Street and 57th Drive, was located on land formerly owned by lawyer and politician James Maurice.[10][13] After a 1970 arson, it was cleaned up. However, by 2005, developers bought the church in order to demolish it, since the New York City Landmarks Preservation Commission had refused to landmark the church. This was largely opposed; however, its facade was torn apart, disassembled, and stored at All Faiths Cemetery by 2008. Despite community effort, led by the Juniper Park Civic Association, to make a park on the site, by 2011, the church's former site had become warehouses,[20] while provisions for a new site for the church in All Faiths Cemetery had been approved.[21]
The Ridgewood Gardens apartment/co-op complex, on a hill known as the Ridgewood Plateau,[22] was built on Script error: No such module "convert". woods owned by James Maurice and donated to the Episcopal Church in 1850. Maurice Woods was bounded by Maurice Avenue, Jay Avenue, 66th Street, and Borden Avenue. 53rd Avenue went down a slope to 64th Street. The apartment complex was built later.[10] It is notable for a step street that descend the hill, as well as for a very old, graffiti-covered lamppost on that street.[22]
James Maurice used to live at a home at 1 Hill Street. It was sold in 1909.[13]
The house where Anton Fausner's wheelwright and wagonmaker's shop was located is on Grand Avenue just south of I-495. Later, an auto shop, Maspeth Auto Parts, was located in that building. In 2006, that house was torn down and replaced by a bank.[10][23] The wheelwright was patronized by farmers from Long Island who stayed at the Queens County Hotel, built in 1851 along Grand Avenue, on their way to the markets.[13]
The Maspeth Theater, the neighborhood's largest theater in the 1920s, was built in 1924 at Grand Avenue and 69th Street by Straus and Strausberg, with 1,161 seats. It was owned by three companies before closing in 1965. Notable performers included Judy Garland.[10][13] There were also many other theaters in Maspeth in the 1920s.[10]
A former Maspeth supermarket, Wielback's Grocery—one of the oldest in the area—then became Griff's Hardware. In 2000, the building became Griff's Laundry, a laundromat that closed less than ten years later and was slated for demolition.[13] The building was notable for a neon sign on its facade.[24]
At Clinton Hall, a 1920s-built venue that had interior balconies and a large chandelier, there is now a laboratory and industrial offices. It is named after a mansion built by Judge Joseph Sackett. Sackett had built a wood-framed mansion behind the hall; later, New York Governor DeWitt Clinton planned the Erie Canal. The lands of the Sackett-Clinton House, as the mansion was called, were turned into a park by 1910, and the mansion burned down in 1933.[13]
The Clinton Diner, at Maspeth and Maurice Avenues, was built in 1935 and is a truck stop that appeared in the movie Goodfellas, as well as in other movies. The Queens Head Tavern, nearby, was an American Revolutionary War-era tavern and was used as a stagecoach stop later on.[13]
Notable streets
- Flushing Avenue intersects with another Maspeth road, named Fresh Pond Road, which goes south to Myrtle Avenue and was named after a former pond named "Fresh Pond".[10]
- Grand Avenue used to be a winding road before being straightened.[10]
- Maspeth Avenue is discontinuous in the area because of the Newtown Creek and because of the location of the former Maspeth tanks.[10]
- Maspeth Plank Road, a no longer extant road made of planks of wood, went from Williamsburg to Newtown, and crossed the English Kills.[10]
- Melvina Place, off Maspeth Avenue, is named after a small section of Maspeth, which was to the east of the approximate intersection of Maspeth Plank Road and Rust Street.[10]
- North Hempstead Plank Road, present-day 57th Avenue, split off of Grand Avenue at Mazeau Street and extended to Corona; the road was named after North Hempstead, New York, now in Nassau County, which split from Queens in 1898. 57th Avenue has a lot of old houses dating from the 1850s, as well as some former barns that were later repurposed for other uses, such as for garages.[10]
Demographic makeup
Most people who live in Maspeth are of Polish, Italian, or Irish descent.[11] Many people of Eastern European, German, Chinese, or Hispanic origin have also moved to the area.[2][10][9]
According to the 2010 United States Census, 34,981 people live in Maspeth. The population is 75.7% white, 2.2% black, 10.9% Asian, and 13.9% another race.[1][2]
Schools in the area include:
- Holy Cross R.C. Church—Maspeth: Polish School and CCD classes on the weekends.
- IS 73, The Frank Sansivieri Intermediate School, is a zoned middle school.[25]
- PS 58, The School of Heroes, was dedicated in 2002 in honor of the victims of the September 11 attacks at the site of the original Finast supermarket.[26] It is named one of the best schools in Maspeth for its wide range of extracurricular activities and programs.
- PS 153, Maspeth Elementary School[27]
- Saint Stanislaus Kostka School (Nursery–8 Catholic School under the auspices of the Roman Catholic Diocese of Brooklyn)[28]
- Martin Luther High School (9–12 private school)[29]
- Maspeth High School is the first public high school in Maspeth. It opened on September 6, 2012. It was originally located in Middle Village.[30]
Although there are no New York City Subway stations in Maspeth, several bus routes make subway connections, including:
- B57 to Flushing Avenue (J M Z trains), Flushing Avenue (G train), Jay Street – MetroTech (A C F N R trains) and Smith–Ninth Streets station (F train).[31]
- Q18 bus to 61st Street – Woodside (7 <7> trains), Northern Boulevard (E M R trains), or 30th Avenue (N Q trains)[31]
- Q39 bus to Forest Avenue (M train), Queensboro Plaza (7 <7> N Q trains) or Court Square (7 <7> E G M trains)[31]
- Q47 bus to 69th Street or 74th Street – Broadway (7 train), Jackson Heights – Roosevelt Avenue (E F M R trains), or LaGuardia Airport[31]
- Q58 bus to Grand Avenue – Newtown (E M R trains), Flushing – Main Street (7 <7> trains), Fresh Pond Road, Forest Avenue (both M train) or Myrtle–Wyckoff Avenues (L M trains)[31]
- Q59 bus to Grand Avenue – Newtown, Woodhaven Boulevard, 63rd Drive – Rego Park (all E M R trains), or Grand Street (L train) and Marcy Avenue (J M Z trains).[31]
- Q67 bus to Middle Village – Metropolitan Avenue (M train), Hunters Point Avenue (7 <7> trains), 21st Street – Van Alst (G train), Queensboro Plaza (7 <7> N Q trains), Queens Plaza (E M R trains) or Court Square (7 <7> E G M trains)[31]
The narrow Grand Street Bridge carries Grand Street eastward across the English Kills and Newtown Creek from Williamsburg where it becomes Grand Avenue, Maspeth's main street for dining and business. Grand Avenue continues eastward to end at Queens Boulevard in Elmhurst.[10] There is also access to I-278, the Brooklyn-Queens Expressway and I-495, the Long Island Expressway. The former crosses the Newtown Creek on the Kosciuszko Bridge. [32]
- ^ a b c d Data Access and Dissemination Systems (DADS). "American FactFinder – Community Facts". census.gov.
- ^ a b c d "Maspeth, New York, NY Population & Demographics". areavibes.com.
- ^ "History of Maspeth". queensnewyork.com.
- ^ "Maspeth, Queens County, New York". rootsweb.com.
- ^ a b c d e "History of Maspeth". Maspeth Chamber of Commerce. Retrieved May 7, 2015.
- ^ "Maspeth – A Tour of New Netherland". nnp.org.
- ^ Jackson, Kenneth T., ed. (1995). The Encyclopedia of New York City. New Haven: Yale University Press. ISBN 0300055366., p.26}
- ^ "The Ludar". smithsonianeducation.org.
- ^ a b c d e Gregory Beyer (May 4, 2008). "Yes, Manhattan's Over There. What of It?". The New York Times. Retrieved May 8, 2015.
- ^ a b c d e f g h i j k l m n o p q r s t Walsh, Kevin (April 2002). "MASPETH, Queens". Forgotten NY. Retrieved May 7, 2015.
- ^ a b c d e f Lisa Fraser (March 25, 2015). "City Living: Maspeth is a caring community bordering a thriving industrial zone". AM New York. Retrieved May 7, 2015.
- ^ Hevesi, Dennis (September 20, 1993). "Memory-Filled Tanks; Queens Loses 2 Roadside Landmarks". The New York Times. Retrieved March 24, 2008.
The Elmhurst tanks — those 200-foot monoliths that stood sentinel to the changing landscape of Queens and as harbingers of hair-tearing delay on the highway to Manhattan — are down, deflated forever, their skeletal remains waiting to be dismantled.
- ^ a b c d e f g h i j k Walsh, Kevin; Wilkinson, Christina. "Forgotten New York Tour of Maspeth". Juniper Park Civic Association. Retrieved May 8, 2015.
- ^ Kayla Borg (October 9, 2009). "Somber 9/11 Memorial in Maspeth". Queens Ledger. Retrieved January 26, 2012.
- ^ "9/11 Memorial in Maspeth". Queens Ledger. August 23, 2011. Retrieved January 26, 2012.
- ^ "Frontera Park". NYC Parks. Retrieved May 7, 2015.
- ^ "Frank Principe Park". NYC Parks. Retrieved May 7, 2015.
- ^ Malone, Michael (2004). "Best full soccer field in the middle of a residential neighborhood – METROPOLITAN OVAL". Village Voice.
- ^ "Peter Charles Park: History". NYC Parks. Retrieved May 7, 2015.
- ^ Walsh, Kevin (July 2005). "ST. SAVIOUR'S CHURCH, Maspeth". Forgotten NY. Retrieved May 8, 2015.
- ^ "St. Saviour's Saved". New York Landmarks Conservancy. Retrieved May 8, 2015.
- ^ a b "Coming Soon: Another House Too Narrow", Queens Crap (January 31, 2007). Accessed May 8, 2015.
- ^ "'Old Maspeth' Gallery", Maspeth Chamber of Commerce
- ^ Marlock, Ron (February 19, 2015). "Griff's Hardware was a Maspeth icon". Queens Chronicle. Retrieved May 8, 2015.
- ^ IS 73 The Frank Sansivieri Intermediate School
- ^ "About Our School". ststansschool.org.
- ^ Pat Cheeweewat. "Martin Luther High School – Welcome to Martin Luther School!". martinluthernyc.org.
- ^ "Maspeth High School :: Salve!". maspethhighschool.org.
- ^ a b c d e f g Queens Bus Map, MTA
- ^ Google (May 8, 2015). "Maspeth, NY" (Map). Google Maps. Google. Retrieved May 8, 2015.
External links
|Wikimedia Commons has media related to Maspeth, Queens.
Coordinates: 40°43′23″N 73°54′45″W / 40.72306°N 73.91250°W{{#coordinates:40|43|23|N|73|54|45|W|type:city_region:US |primary |name= }}


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In the year 2015 alone:
- Our beaches were fouled by the Refugio Oil Spill on May 19th.
- Eleven of our federally protected aquifers were injected with toxic oil waste water.
- Oil spilled into the streets in a neighborhood in Orcutt and continues to seep from the ground near pressurized wells.
- Truck traffic has increased, and the industrialization of our rural landscapes is more and more apparent.
- Hundreds of permits to drill new steam injection and steam flooding oil wells have been submitted.
The total number of oil wells in Santa Barbara County could soon triple, as may their impacts on our health, air, and water.
We can see what's coming. Neighboring counties and states are further down this road we're on. Extreme oil extraction (cyclic steam injection, steam flooding, thermally enhanced extraction, fracking, etc.) causes ground and surface water contamination and increases earthquakes, air pollution, and chemical and oil fires. It has also proven to be concurrent with a higher incidence of asthma, cancer, and birth defects.
The oil industry is especially susceptible to boom and bust cycles. Businesses can quickly fold under the pressure of rising costs of water and other commodities, a drop in the price of oil, or when wells dry up. Santa Barbara County's biggest employers are the agriculture, tourism, and wine industries. These businesses will be hurt if our county becomes polluted and over industrialized by oil development. When the next bust cycle happens, oil jobs will disappear, and communities will be left with devalued land, depleted and contaminated resources, and lingering health effects.
The oil industry self-regulates, self-monitors, and is responsible for reporting its mistakes and accidents. Our government agencies have failed to enforce, or even follow, their own rules. New State and County fracking legislation does not address the extreme extraction methods (cyclic steam injection, steam flooding, and acidization) used in our county, even though they cause more air pollution, and carry similar, if not a greater risk to human health and groundwater.
Injection and flooding use tremendous quantities of water, 20 million gallons a day in California, at least 10% of it, fresh. Once water is used for oil extraction, it is too toxic for any other use and must be disposed of. Oil waste is commonly dumped underground, in or near oil wells, or into other aquifers. This re-injected waste water can migrate into clean drinking-water aquifers over time, making them toxic. Our county is prone to drought. We cannot afford to destroy water for any reason.
Oil waste injection wells cause earthquakes. The injected wastewater counteracts the frictional forces on faults and "pries them apart," according to the USGS.
Stopping unsafe energy production while encouraging the growth of safer, and inexhaustible energy in our county:
- Ensures better health for our families, and our families' families
- Protects our water
- Encourages a secure economy
- Creates safe jobs and protects thriving businesses
- Preserves our county's ability to attract people and businesses
- Reduces greenhouse gas emissions that contribute to global warming


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the dub title, "Claydol, Big and Tall" reminds me of Sam Gamgee's rhyme about the Oliphaunt...
Grey as a mouse,
Big as a house,
Nose like a snake,
I make the earth shake,
As I tramp through the grass;
Trees crack as I pass.
With horns in my mouth
I walk in the South,
Flopping big ears.
Beyond count of years
I stump round and round,
Never lie on the ground,
Not even to die.
Oliphaunt am I,
Biggest of all,
Huge, old and tall.
If ever you 'd met me
You would never forget me
If you never do,
You won't think i'm true,
But Oliphaunt am I,
And i never lie.


text:
I've tried to take this all just one step at a time,
I'd love to reason but I'll end this waver signed.
'Cause it's so lonely I feel like I have died
I thought angels never learned to say goodbye
I've felt emotions like I've never felt before
Felt such devotion that it's spilt upon the floor
Now I'm so empty there's nothing left to hide
I thought angels never learned to say goodbye
I've got to find you, and remind you how it is
My life's been shattered but inside I've found love exists
Now I'm so frightened, Im so afraid to die
I thought angels never learned to say goodbye.
Bye bye,
Bye bye.
Angel, Angel.
Now I'm so lonely, I'm so afraid to die.
'Cause I know that all the angels say goodbye
Bye bye, Angel.
Bye bye.


text:
A renowned American landscape architect whose New York City based studio is responsible for some of the most notable and awarded spaces internationally and throughout the United States. Thomas Balsley: Uncommon Ground is a collection of selected projects that display the sweeping range of his work over the past twenty-five years.
Public and private parks, plazas, campuses, and waterfronts attest to the extraordinary level of design excellence that has defined his international reputation and that of his studio, Thomas Balsley Associates.
Working within the margins of the city grids on scraps of land and post-industrial waterfronts, his unique fusion of nature, culture, and process have produced vibrant public spaces, urban miracles both large and small, provocative and sublime, and have established him as a leader and champion of the sustainable and livable urban environment. Balsley Park on Manhattan's 57th Street has been named in his honor, a testament to his substantial work in metropolises around the world. Along with popular and cultural acclaim, Balsley has also recently been selected to become the thirteenth recipient of the coveted ASLA Design Medal, in recognition of exceptional design work at a sustained and professional level.