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Enter the inequality you want to plot, set the dependent variable if desired and click on the Graph button.
Systems of Equations and Inequalities
In previous chapters we solved equations with one unknown or variable. We will now study methods of solving systems of equations consisting of two equations and two variables.
Upon completing this section you should be able to:
We have already used the number line on which we have represented numbers as points on a line.
Note that this concept contains elements from two fields of mathematics, the line from geometry and the numbers from algebra. Rene Descartes (1596-1650) devised a method of relating points on a plane to algebraic numbers. This scheme is called the Cartesian coordinate system (for Descartes) and is sometimes referred to as the rectangular coordinate system.
This system is composed of two number lines that are perpendicular at their zero points.
Study the diagram carefully as you note each of the following facts.
The number lines are called axes. The horizontal line is the x-axis and the vertical is the y-axis. The zero point at which they are perpendicular is called the origin.
Positive is to the right and up; negative is to the left and down.
The plane is divided into four parts called quadrants. These are numbered in a counterclockwise direction starting at the upper right.
Points on the plane are designated by ordered pairs of numbers written in parentheses with a comma between them, such as (5,7). This is called an ordered pair because the order in which the numbers are written is important. The ordered pair (5,7) is not the same as the ordered pair (7,5). Points are located on the plane in the following manner.
First, start at the origin and count left or right the number of spaces designated by the first number of the ordered pair. Second, from the point on the x-axis given by the first number count up or down the number of spaces designated by the second number of the ordered pair. Ordered pairs are always written with x first and then y, (x,y). The numbers represented by x and y are called the coordinates of the point (x,y).
Example 1 On the following Cartesian coordinate system the points A (3,4), B (0,5), C (-2,7), D (-4,1), E (-3,-4), F (4,-2), G (0,-5), and H (-6,0) are designated. Check each one to determine how they are located.
Upon completing this section you should be able to:
A graph is a pictorial representation of numbered facts. There are many types of graphs, such as bar graphs, circular graphs, line graphs, and so on. You can usually find examples of these graphs in the financial section of a newspaper. Graphs are used because a picture usually makes the number facts more easily understood.
In this section we will discuss the method of graphing an equation in two variables. In other words, we will sketch a picture of an equation in two variables.
All possible answers to this equation, located as points on the plane, will give us the graph (or picture) of the equation.
Of course we could never find all numbers x and y such that x + y = 7, so we must be content with a sketch of the graph. A sketch can be described as the "curve of best fit." In other words, it is necessary to locate enough points to give a reasonably accurate picture of the equation.
Example 1 Sketch the graph of 2x + y = 3.
Solution We wish to find several pairs of numbers that will make this equation true. We will accomplish this by choosing a number for x and then finding a corresponding value for y. A table of values is used to record the data.
In the top line (x) we will place numbers that we have chosen for x. Then in the bottom line (y) we will place the corresponding value of y derived from the equation.
In this example we will allow x to take on the values -3, -2, -1,0, 1,2,3.
These facts give us the following table of values:
We now locate the ordered pairs (-3,9), (-2,7), (-1,5), (0,3), (1,1), (2,-1), (3,-3) on the coordinate plane and connect them with a line.
We now have the graph of 2x + y = 3.
The graphs of all first-degree equations in two variables will be straight lines. This fact will be used here even though it will be much later in mathematics before you can prove this statement. Such first-degree equations are called linear equations.
Equations in two unknowns that are of higher degree give graphs that are curves of different kinds. You will study these in future algebra courses.
Since the graph of a first-degree equation in two variables is a straight line, it is only necessary to have two points. However, your work will be more consistently accurate if you find at least three points. Mistakes can be located and corrected when the points found do not lie on a line. We thus refer to the third point as a "checkpoint."
Example 2 Sketch the graph of 3x - 2y - 7.
Solution First make a table of values and decide on three numbers to substitute for x. We will try 0, 1,2.
The answer is not as easy to locate on the graph as an integer would be. So it seems that x = 0 was not a very good choice. Sometimes it is possible to look ahead and make better choices for x.
The point (1,-2) will be easier to locate. If x = 2, we will have another fraction.
The point (3,1) will be easy to locate.
We will readjust the table of values and use the points that gave integers. This may not always be feasible, but trying for integral values will give a more accurate sketch. We now have the table for 3x - 2y = 7.
Locating the points (1,-2), (3,1), (- 1,-5) gives the graph of 3x - 2y = 7.
Upon completing this section you should be able to:
We now wish to discuss an important concept called the slope of a line. Intuitively we can think of slope as the steepness of the line in relationship to the horizontal.
Following are graphs of several lines. Study them closely and mentally answer the questions that follow.
Which line is steeper?
What seems to be the relationship between the coefficient of x and the steepness Which graph would be steeper: of the line when the equation is of the form y = mx?
Now study the following graphs.
Which line is steeper?
What effect does a negative value for m have on the graph?
For the graph of y = mx, the following observations should have been made.
In other words, in an equation of the form y - mx, m controls the steepness of the line. In mathematics we use the word slope in referring to steepness and form the following definition:
In an equation of the form y = mx, m is the slope of the graph of the equation.
Example 1 Sketch the graph of y = 6x and give the slope of the line.
Solution We first make a table showing three sets of ordered pairs that satisfy the equation.
We then sketch the graph.
The value of m is 6, therefore the slope is 6. We may merely write m - 6.
Example 2 Sketch the graph and state the slope of
Solution Choosing values of x that are divisible by 3, we obtain the table
Then the graph is
The slope of
We now wish to compare the graphs of two equations to establish another concept.
Example 3 Sketch the graphs of y 3x and y - 3x + 2 on the same set of coordinate axes.
In example 3 look at the tables of values and note that for a given value of x, the value of y in the equation y = 3x + 2 is two more than the corresponding value of y in the equation y = 3x.
Look now at the graphs of the two equations and note that the graph of y = 3x + 2 seems to have the same slope as y = 3x. Also note that if the entire graph of y = 3x is moved upward two units, it will be identical with the graph of y = 3x + 2. The graph of y = 3x crosses the y-axis at the point (0,0), while the graph of y = 3x + 2 crosses the y-axis at the point (0,2).
Compare these tables and graphs as in example 3.
The slope from one point on a line to another is determined by the ratio of the change in y to the change in x. That is,
Note that the change in x is 3 and the change in y is 2.
The change in x is -4 and the change in y is 1.
Example 7 In the graph of y = 3x - 2 the slope is 3.
y = mx + b is called the slope-intercept form of the equation of a straight line. If an equation is in this form, m is the slope of the line and (0,b) is the point at which the graph intercepts (crosses) the y-axis.
If the equation of a straight line is in the slope-intercept form, it is possible to sketch its graph without making a table of values. Use the y-intercept and the slope to draw the graph, as shown in example 8.
First locate the point (0,-2). This is one of the points on the line. The slope indicates that the changes in x is 4, so from the point (0,-2) we move four units in the positive direction parallel to the x-axis. Since the change in y is 3, we then move three units in the positive direction parallel to the y-axis. The resulting point is also on the line. Since two points determine a straight line, we then draw the graph.
Example 9 Give the slope and y-intercept and sketch the graph of y = 3x + 4.
Solution m = -3, y-intercept = (0,4).
To express the slope as a ratio we may write -3 as or . If we write the slope as , then from the point (0,4) we move one unit in the positive direction parallel to the x-axis and then move three units in the negative direction parallel to the y-axis. Then we draw a line through this point and (0,4).
Suppose an equation is not in the form y = mx + b. Can we still find the slope and y-intercept? The answer to this question is yes. To do this, however, we must change the form of the given equation by applying the methods used in section 4-2.
Example 10 Find the slope and y-intercept of 3x + 4y = 12.
Solution First we recognize that the equation is not in the slope-intercept form needed to answer the questions asked. To obtain this form solve the given equation for y.
Example 11 Find the slope and y-intercept of 2x - y = 7.
Solution Placing the equation in slope-intercept form, we obtain
Upon completing this section you should be able to graph linear inequalities.
In chapter 4 we constructed line graphs of inequalities such as
These were inequalities involving only one variable. We found that in all such cases the graph was some portion of the number line. Since an equation in two variables gives a graph on the plane, it seems reasonable to assume that an inequality in two variables would graph as some portion or region of the plane. This is in fact the case. The solution of the inequality x + y < 5 is the set of all ordered pairs of numbers {x,y) such that their sum is less than 5. (x + y < 5 is a linear inequality since x + y = 5 is a linear equation.)
Example 1 Are each of the following pairs of numbers in the solution set of x + y < 5? (2,1), (3,-4), (5,6), (3,2), (0,0), (-1,4), (-2,8).
Following is a graph of the line x + y = 5. The points from example 1 are indicated on the graph with answers to the question "Is x + y < 5?"
Observe that all "yes" answers lie on the same side of the line x + y = 5, and all "no" answers lie on the other side of the line or on the line itself.
The graph of the line x + y = 5 divides the plane into three parts: the line itself and the two sides of the lines (called half-planes).
x + y < 5 is a half-plane
If one point of a half-plane is in the solution set of a linear inequality, then all points in that half-plane are in the solution set. This gives us a convenient method for graphing linear inequalities.
To graph a linear inequality
Example 2 Sketch the graph of 2x 4- 3y > 7.
Solution Step 1: First sketch the graph of the line 2x + 3y = 7 using a table of values or the slope-intercept form.
Step 2: Next choose a point that is not on the line 2x + 3y = 7. [If the line does not go through the origin, then the point (0,0) is always a good choice.] Now turn to the inequality 2x + 3y> > 7 to see if the chosen point is in the solution set.
Step 3: The point (0,0) is not in the solution set, therefore the half-plane containing (0,0) is not the solution set. Hence, the other halfplane determined by the line 2x + 3y = 7 is the solution set.
Example 3 Graph the solution for the linear inequality 2x - y ≥ 4.
Solution Step 1: First graph 2x - y = 4. Since the line graph for 2x - y = 4 does not go through the origin (0,0), check that point in the linear inequality.
Step 2:
Step 3: Since the point (0,0) is not in the solution set, the half-plane containing (0,0) is not in the set. Hence, the solution is the other half-plane. Notice, however, that the line 2x - y = 4 is included in the solution set. Therefore, draw a solid line to show that it is part of the graph.
Example 4 Graph x < y.
Solution First graph x = y. Next check a point not on the line. Notice that the graph of the line contains the point (0,0), so we cannot use it as a checkpoint. To determine which half-plane is the solution set use any point that is obviously not on the line x = y. The point ( - 2,3) is such a point.
Using this information, graph x < y.
Upon completing this section you should be able to:
Example 1 The pair of equations is called a system of linear equations.
We have observed that each of these equations has infinitely many solutions and each will form a straight line when we graph it on the Cartesian coordinate system.
We now wish to find solutions to the system. In other words, we want all points (x,y) that will be on the graph of both equations.
Solution We reason in this manner: If all solutions of 2x - y = 2 lie on one straight line and all solutions of x + 2y = 11 lie on another straight line, then a solution to both equations will be their points of intersection (if the two lines intersect).
Note that the point of intersection appears to be (3,4). We must now check the point (3,4) in both equations to see that it is a solution to the system.
Therefore, (3,4) is a solution to the system.
Not all pairs of equations will give a unique solution, as in this example. There are, in fact, three possibilities and you should be aware of them.
Since we are dealing with equations that graph as straight lines, we can examine these possibilities by observing graphs.
1. Independent equations The two lines intersect in a single point. In this case there is a unique solution.
2. Inconsistent equations The two lines are parallel. In this case there is no solution.
3. Dependent equations The two equations give the same line. In this case any solution of one equation is a solution of the other.
In later algebra courses, methods of recognizing inconsistent and dependent equations will be learned. However, at this level we will deal only with independent equations. You can then expect that all problems given in this chapter will have unique solutions.
To solve a system of two linear equations by graphing
Since (3,2) checks in both equations, it is the solution to the system.
Upon completing this section you should be able to:
Later studies in mathematics will include the topic of linear programming. Even though the topic itself is beyond the scope of this text, one technique used in linear programming is well within your reach-the graphing of systems of linear inequalities-and we will discuss it here.
You found in the previous section that the solution to a system of linear equations is the intersection of the solutions to each of the equations. In the same manner the solution to a system of linear inequalities is the intersection of the half-planes (and perhaps lines) that are solutions to each individual linear inequality.
In other words, x + y > 5 has a solution set and 2x - y < 4 has a solution set. Therefore, the system
has as its solution set the region of the plane that is in the solution set of both inequalities.
To graph the solution to this system we graph each linear inequality on the same set of coordinate axes and indicate the intersection of the two solution sets.
Checking the point (0,0) in the inequality x + y > 5 indicates that the point (0,0) is not in its solution set. We indicate the solution set of x + y > 5 with a screen to the right of the dashed line.
Checking the point (0,0) in the inequality 2x - y < 4 indicates that the point (0,0) is in its solution set. We indicate this solution set with a screen to the left of the dashed line.
The intersection of the two solution sets is that region of the plane in which the two screens intersect. This region is shown in the graph.
The results indicate that all points in the shaded section of the graph would be in the solution sets of x + y > 5 and 2x - y < 4 at the same time.
Upon completing this section you should be able to solve a system of two linear equations by the substitution method.
In section 6-5 we solved a system of two equations with two unknowns by graphing. The graphical method is very useful, but it would not be practical if the solutions were fractions. The actual point of intersection could be very difficult to determine.
Example 1 Solve by the substitution method:
Step 2 Substitute the value of x into the other equation. In this case the equation is
2x + 3y = 1.
Substituting (4 + 2y) for x, we obtain 2(4 + 2y) + 3y = 1, an equation with only one unknown.
Step 3 Solve for the unknown.
Step 4 Substitute y = - 1 into either equation to find the corresponding value for x. Since we have already solved the second equation for x in terms of y, we may use it.
Thus, we have the solution (2,-1).
Step 5 Check the solution in both equations. Remember that the solution for a system must be true for each equation in the system. Since
the solution (2,-1) does check.
Upon completing this section you should be able to solve a system of two linear equations by the addition method.
The addition method for solving a system of linear equations is based on two facts that we have used previously.
First we know that the solutions to an equation do not change if every term of that equation is multiplied by a nonzero number. Second we know that if we add the same or equal quantities to both sides of an equation, the results are still equal.
Example 1 Solve by addition:
Step 2 Add the equations.
Step 3 Solve the resulting equation.
Step 4 Find the value of the other unknown by substituting this value into one of the original equations. Using the first equation,
Step 5 If we check the ordered pair (4,-3) in both equations, we see that it is a solution of the system.
Example 2 Solve by addition:
Step 2 Adding the equations, we obtain
Step 3 Solving for y yields
Step 4 Using the first equation in the original system to find the value of the other unknown gives
Step 5 Check to see that the ordered pair ( - 1,3) is a solution of the system.
Upon completing this section you should be able to:
Equations in the preceding sections have all had no fractions, both unknowns on the left of the equation, and unknowns in the same order.
Example 1 Change 3x = 5 + 4y to standard form.
Solution 3x = 5 + 4y is not in standard form because one unknown is on the right. If we add -4y to both sides, we have 3x - 4y = 5, which is in standard form.
Now add - 24x to both sides, giving - 24x + 9y = -10, which is in standard form. Usually, equations are written so the first term is positive. Thus we multiply each term of this equation by (- 1).
Upon completing this section you should be able to:
Many word problems can be outlined and worked more easily by using two unknowns.
Example 1 The sum of two numbers is 5. Three times the first number added to five times the second number is 9. Find the numbers.
Solution Let x = first number
Example 2 Two workers receive a total of $136 for 8 hours work. If one worker is paid $1.00 per hour more than the other, find the hourly rate for each.
Solution Let x = hourly rate of one worker
The first statement gives us the equation
8x + 8y = 136.
The second statement gives the equation
x = y + 1.
We now have the system (in standard form)
Solving gives x = 9 and y = 8. One worker's rate is $9.00 per hour and the other's is $8.00 per hour.
Key Words


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Poco Dolce's Tips for Tasting Chocolate
In honor of National Chocolate Day (today) and the completion of our Dogpatch Store's Annual Manufacturing Day Store Demo (Oct. 2), we're kicking off our new blog with some tips on how to get the most out of your chocolate tasting experience. Along with these, we will share some fun pairing ideas for your next get-together.
Tasting chocolate is a lot like tasting wine, so you'll notice some similarities in our tips below. Like wine, there are a many factors in how a chocolate tastes - from cacao percentages, to origin, to blend. Familiarize yourself with the chocolate and read what's on the label:
Percentage is the percent of the chocolate which is pure cacao mass, the remainder can be cocoa butter, sugar, dairy, etc.
- For example : 70% = 70% cacao mass + 30% cocoa butter, sugar, dairy, etc.
- Origin describes the country or region where the cacao is grown
- Blend is usually the combination of multiple origins or roasting methods into one
Pro Tip: Ingredients like palm oil are inexpensive 'fillers' that are a substitute for using real cocoa butter. For high-quality chocolate, you will likely recognize most ingredients; butter, sugar, milk, cocoa butter, and soy lecithin (which is an emulsifier) are pretty common.
You'll want to have a selection of 4-6 chocolates - this will be the theme of the chocolates you're tasting. Here are a couple of suggestions:
- Choose chocolates from the same country or region
- Choose a variety of different percentages from low 38% to high 70%
- Choose chocolates with different ingredient profiles
Pro Tip: If you have the chance, try a tasting of an assortment of 70% chocolates to see how the same percentage can still taste very different.
Once you've picked out your chocolate selection,
- Have a palate cleanser on hand, such as a glass of water or plain crackers
- Look at the chocolate and see that it's unblemished
Sometimes chocolate stored improperly can have bloom, which isn't harmful, but can change the texture and look unappetizing.
- Break off a piece of the chocolate - you should be able to hear a sharp snap.
*Note that some blends or flavors will produce a softer chocolate and produce less of a snap (our Olive Oil Bar is a great example.)
- Smell the chocolate beforehand for its aroma. Like tasting wine, this helps to enhance taste.
- Place the piece of chocolate on your tongue and let it come up to your body temperature.
Let the chocolate evolve in your mouth. Notice how the taste changes while it melts on your tongue.
These tips could be used in any tasting scenario, but an integral part of any tasting is picking out the right chocolates. Browse below for assortments of Poco Dolce's artisanal hand-crafted chocolates to start your search:
Chocolate is also fun to pair with so many things and we have a number of great pairings. Stay tuned for upcoming blog posts with ideas on how to pair Poco Dolce bittersweet chocolates with just the right wines, cheeses, beers, and more!
Subscribe to our Exclusive News and Updates to keep up with new blog posts as they come out!
Happy National Chocolate Day

subset: commoncrawl


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HALEIWA, Hawaii -- As winter waves begin to build here on the northern side of Oahu, so, too, does enthusiasm among contestants and fans of the big surfing contests.
The North Shore runs from the Mormon community of Laie westward along Kamehameha Highway. It extends to the former sugar plantation villages of Haleiwa and Waialua, now the center for escapists who might be described as the tropical hip.
It is as far removed from Honolulu's famous Waikiki district -- in distance, atmosphere, and general attitude -- as you can get and still be on Oahu.
In summer, the North Shore is a more laid-back Hawaii, with residents moving languidly through life while avoiding the more hectic existence they perceive in the capital, Honolulu. But now that winter surf has returned, many give thanks for the storms that lash the Aleutian Islands 1,000 miles away. These winds generate the monster waves that cross the northern Pacific to challenge the world's best surfers.
Now through February, wave riders and surf watchers generally head for four main stretches of sand: Sunset Beach, Waimea Bay, Ali'i Beach Park, and Ehukai Beach Park. The latter is the home of the notorious Banzai Pipeline, where the large surf pounds in just a few shallow inches above a potentially bone-crunching coral reef. In winter, these waves are so treacherous they can scoop up casual strollers and carry them out to sea.
Pat Kelly, a senior lifeguard on the North Shore since 1979, said that every year lifeguards have to rescue fully clothed victims who have been captured by the ocean -- shoes, cameras, purses, and all -- as they were picking up shells or simply looking the other way at the wrong moment.
''People don't realize there are rogue waves that will come up, sometimes clear to the vegetation line, and will carry them out," Kelly said. ''When the waves are big, there is absolutely no place safe on the sand, so onlookers should stay on the grassy areas.
''Swimmers often make the mistake of entering the water at a point where the waves don't look so big," he said. ''But that's often where the rip current is, and if they aren't experienced, they may never get back to shore."
Professional surfers, however, live for the thrill of tackling the big waves.
''We're a lifestyle sport," said Randy Rarick, 55, one of Hawaii's legendary surfing champions from the 1970s. ''What separates surfing from the bat, ball, and stick-type sports is that here, you're interacting with Mother Nature. The unpredictability of things while riding a wave makes it like no other sport."
This month, the Vans Triple Crown of Surfing continues, offering the world's best surfers $670,000 in prizes. The first was the Op Pro Hawaiian at Haleiwa Beach Park last month. It is being followed by the O'Neill World Cup of Surfing at Sunset Beach, now through Tuesday.
The third contest is the Rip Curl Pro Pipeline Masters, with a $270,000 purse, at the Banzai Pipeline Thursday through Dec. 20.
Then there's the Eddie Aikau Big Wave Invitational, which draws large crowds on short notice. Named for a champion surfer who disappeared on a rescue mission, the contest has no set date, but is called suddenly when the waves reach heights of 30 feet or more at Waimea Bay.
Last year, all other surf contests were put on hold when those big waves came in on Dec. 15. Radio and TV spread the word, and an estimated 5,000 fans skipped work or school to watch the 30 chosen as contestants in the ''Eddie."
Waves estimated at 50 feet were some of the largest in tournament history, traveling toward the beach at breakneck speeds. Bruce Irons, 25, from Kauai, went home with a prize of $122,000.
''The average person from Boston, say, is not going to have a chance to see that big a wave and that kind of surfing," Rarick said. ''And people in the middle of America never see that kind of thing. It's really awe-inspiring."
The North Shore offers many less-frenetic attractions to casual visitors who have either rented cars in Waikiki or booked a room at the only genuine hotel in the area, the Turtle Bay Resort.
The only Oahu hotel with its own golf course, Turtle Bay also offers a safe, sandy cove for swimming and snorkeling. Sometimes, an endangered green sea turtle pulls up on the sand there or at other nearby stretches of beach.
Even if all you do is drive, the winding ''Kam" Highway along the North Shore provides wonderful scenic views.
Coconut, papaya, and banana trees vie for attention with blue water and white waves, and farmers set up fruit and vegetable stands along the route.
The North Shore's most famous attraction is the Polynesian Cultural Center, operated by the Church of Jesus Christ of Latter-day Saints (the Mormons) and devoted to demonstrating the arts, music, dance, and lifestyle of several indigenous cultures from the South Pacific, including those of Hawaii, Tahiti, Tonga, Samoa, Fiji, the Marquesas, and the New Zealand Maoris.
Although expensive, it is a colorful all-day experience and includes an evening song-and-dance show that may be the best in the state. Adult ticket prices generally run from about $50 to $200, with discounts for children. The center operates every day except Sunday.
A much less active and less pricey stop is the Waimea Valley Audubon Center, run by the National Audubon Society as a peaceful and welcome historic refuge. A one-mile walk leads to 55-foot waterfalls. Swimming is allowed in the large natural pool under the cascade whenever a lifeguard is on duty. The valley is also home to many rare plant species. Admission is $8 for adults, $5 for children, free if they are under age 4.
The drive from Waikiki to the North Shore usually takes about an hour, but one could easily take several hours getting back. Many visitors make it a circular trip, starting with a speedy dash along the highways through the center of the island to Haleiwa or Waialua. Perhaps after lunch or a picnic, they return slowly along the shoreline, stopping as the spirit moves them. Even if the surf is not up, there is plenty to enjoy.
Contact Robert W. Bone, a freelance writer in Hawaii, at firstname.lastname@example.com.


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Noé Acosta is not part of any top scorer tables at the moment.
Note that this is top scorer data we have in our database. Noé Acosta might be part of top scorer tables in other leagues we don't have here, or seasons we don't have in our database yet.


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If you are as frugal as I, you love to tell a good story where you saved a bunch of money while shopping in a store. Last year Chris and I walked out of Macy's feeling like we got away with murder from a sale so good, that I have to share it with you all. It is called, my friends, the Macy's Friend's and Family Sale.
What is the Friend's and Family Sale?
For those of you who have not heard about this wonderful sale let me tell you all about it. Macy's always has great deals; who are we kidding here. You can buy a ton of items for your family for Christmas and yourself at prices that are already marked down. For example, furniture, rugs, and electronics have an additional 10% taken off of them. When you go to check out, boom, you get an ADDITIONAL 25% off coupon! But the sale is temporary and is only going on until December 10th, 2015. I know it may sound too good to be true, but this sale is for real! And I have quite the story to back it up.
My first experience with the Friends and Family Sale
Last year my boyfriend and I decided to check out Macy's so he could get shorts and a new comfortable pair of brown dress shoes. What we did not know is that the semi-annual friends and family sale was happening. We headed straight for the discounted racks marked in red and started going through all our options. There were many discount racks, and we took our time going through each one. We found three pairs of shorts each between $15-$30 each. We went to the men's shoes, and Chris found a pair of brown Kenneth Cole shoes we both loved. The best part is that they were also on sale, and were only $30. We were pretty excited going to the register since we knew our total should be around $70 which we thought was a pretty good deal considering he was getting a pair of shoes and three new pairs of shorts.
Once at the register, our cashier rung up each item and the three pair of shorts that were marked down to $15 were all actually $10 each. So our total came to $60 and again were pleasantly surprised. And then our cashier asked us if we had "The Coupon." We both looked at each other confused. Our items were all already on sale and then the price of those items were once again marked down at the register, so we had no idea what coupon this coupon was referring to. When she noticed our deer in headlight glances, she immediately replied, "no worries, I keep an extra coupon behind the register." The coupon she was referring to was an additional 25% off our total. The total came to $45, almost half of what we were originally expecting to pay! Heck, we were willing to pay that price for the shoes alone!
We felt like we had just won a prize and Chris suggested we get the hell out of there before they realize how great of a deal they had just given us. It was a great moment, and I remember telling everyone I knew about that experience. Now that it is that time of year again, I am just as thrilled to share the news with you all! My favorite part about the Friend's and Family sale is that you do not have to physically to the store to get this same incredible experience I had last year.
How You Can Participate in the Sale Online
If you want to take part in the friend's and family sale before it ends on Thursday but are worried you will not make it there on time, never fear, you can get the same discounts online. Go Macys.com and start shopping. When it comes time to checkout, use the Promo code FRIEND, and you will get an additional 25% off. Keep in mind that many items get an extra discount off of them for a limited time before you even take off the additional 25%. For example:
- An additional 10% will be taken off of furniture, mattresses, rugs, electrics, and electronics. Valid 12/1-12/10
- $39.98 Asics Men's GEL-Contend 2 Running Sneakers WIDE, select styles at macys.com. Valid 12/1-1/3
- Pave Diamond Stud Earrings in 14k White Gold (1/2 Ct. t.w.) at macys.com. Valid 12/1-12/10
- Save up to 50% + an extra 25% on Select Women's Coats at macys.com! Valid 12/1-12/10
Macy's is a great place to go shopping because, you can save so much and still get great quality gifts for everyone on your list this season. Check out the sale by going to Macys.com. Happy Holidays and good luck on your gift search.
**This article contains affiliate links, and we will be compensated for any purchase made by clicking on them. Thank you for supporting Miss Millennia Magazine!**


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Edge Hot Knife Kit also known as an Industrial Rope Cutter is made to cut and separate material while sealing the edges. It is ideal for material like synthetic fabrics (Sunbrella®), rope, webbing and woven material. Unlike conventional scissors or a knife that leaves the edges frayed the Hot Cut Knife melts the material together creating a clean sealed edge that will not unravel. The Hot Cut Knife is also used to strip the sleeves from electrical wiring. It can quickly remove the sleeve from most gauges and sizes of wiring. The Hot Cut Knife is easy to operate heating up in 4 to 6 seconds by pressing the trigger in. Once the blade is hot release the trigger and continue to cut. The blade will begins to cool after 10 to 15 seconds, press the trigger again for 4 to 6 seconds to continue cutting. Cycling the trigger on and off allows you to cut without having to stop for the blade to heat back up. The Hot Cut Knife has low power consumption and only draws 60 watts to operate making it able to run easily from an inverter at building sites and remote locations.
The Hot Cut Knife works best when used on a clean hard service that is fire resistant. Glass, stone, metal or concrete would all make excellent cutting surface.
The Edge Hot Knife Kit Includes:
Hot KnifeHot Knife R BladeWire BrushHex KeyPlastic Carrying CaseHook To Hang The Hot Knife
Heat Time: 4 to 6 seconds.Voltage: 110V/60HZ
Weight: 950 grams
Power: Maximum 60 watts
Power Cord Length: 9.5'
Intermittent Operation: 15 seconds
Warranty: 1 year
Sold each.


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If you think you already know Renton…
it's time to take a second look- at our blog post this month! Check out the infographic below that's all about Renton! Let us know what you think in the comments below!
Posted on July 1, 2016 at 12:14 am Jennifer Clukey Category: City Series Tagged greater seattle area, King County, Northwest, Renton, Seattle, Washington
Events near you!
Here are some local Washington events that may be happening near you this July! Hopefully I can make it to at least one 🙂
Posted on July 14, 2015 at 12:00 pm Jennifer Clukey Category: July Events Tagged Art, Enumclaw, Gig Harbor, Kent, Lakewood, Puget Sound, Renton, Street Fair, Tacoma, Washington


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Tuesday, September 29, 2009
...and everything else is just Clutter!
This picture has nothing to do with the story, but it really is relevant, in the end!
We went to a dinner several weeks ago, An Evening with Coach Nick Saban. Well, it was a great night, in itself, but I gained something from him, that God has been ringing through and through over the last few weeks.
He said, in football,they worry about two things....the offense and the defense. Nothing else. Not the stands, not the crowd, not the media, not the other team all in black, nothing. 2 things.
He said, "everything else is just clutter".
And, the same is true in life. But, maybe I worry about 4 or 5 things. (well, *should* worry about 4 or 5 things)
God-and my relationship with him
Scott-and my relationship with him
my boys-and my relationship with them
our families
and friends (you know, the real ones....not the ones that pretend they are, and then it comes down to it...and they are not!)
So, that is something God has been working on me with, in my journey to find my place, my purpose, my real reason for existence here. And, with some intense prayer, and desire for those answers, He is showing me some wonderful things.
Bringing me back to the picture. I think I will quit worrying about the junk, the job (or the lack of), the friends that really aren't friends at all, the money (or the lack of!), and just the rest of the trash....and I think I will continue to seek God's heart, and snuggle with my hubby, and make some fun memories with my boys!
because really, "everything is just clutter"!
Roll Tide!
Posted by Just call me "B" at 1:51 PM
1 comment:
- Brooke said...
Fabulous!!! and I agree with you on much of it (definitely not the "Roll Tide" part but I can overlook it: ) Its amazing how, when we focus on Him, our perspective falls into place. Our lives and all our clutter don't always fall into place (at least the "place" we some times dream up) but our perspective falls into place! I am excited about all that God is doing in you. Isn't it awesome that we never arrive at the end of knowledge and understanding of God and His working in our lives. He is still working on us! By the way, much has happened in our lives, I will have to share all that God has done with you soon! Love ya!
- September 30, 2009 at 9:07 AM
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SpaceX is nothing if not ambitious. They've always said that their long term intentions are to make their boosters, the Falcon 1 & Falcon 9, reusable. But they've never really detailed just how they intend to do so. I think most people presumed they'd use parachutes and either splashdowns and water recovery or a land recovery with airbags or something similar.
But that's not ambitious enough for SpaceX, oh no. They want to use powered recovery. They plan to use aerodynamic lift and the rockets to fly the boosters back to the launch site and make a vertical landing. They've released the following video of a simulation of the process.
The rocket in the video looks like an updated version of the Falcon 9 with three larger main stage engines instead of the nine on the current design. Since the first stage never leaves the atmosphere, and is travelling at a much lower speed when its job is complete, it doesn't need much thermal protection.
The first stage flips end for end and uses thrust to arrest the motion and then fly back to the launch point. That's similar to the Return To Lauch Site abort profile for the Space Shuttle, which would've used the main engines to return to the cape once the solid rocket boosters burned out. There have also been similar concepts such as fly back boosters using wings and jets, but that adds a lot of weight.
The second stage does continue to orbit with the payload. So it continues around the earth and performs a de-orbit burn to reenter. The nose of the stage is a heat shield, I'd guess based on the one they're using on the Dragon capsule. The stage decelerates using aerobraking and flies back to the launch site primary as a lifting body. Once most of the way there it uses the engine thrust for the final braking and controlled flight to a vertical landing.
The Dragon capsule discards its service stage in orbit, leaving it to burn up on reentry as the one major expendable component. Then it reenters and lands much like the second stage. The thrusters used for landing double as the emergency abort system for launch.
Yes, this means carrying more fuel to launch a given payload than you need with an expendable booster because you need a reserve used for landing. It also means that for a given thrust level you have a lower throw weight, or payload to orbit, because you're carrying the extra fuel mass. Conversely to place the same payload in orbit you need a larger booster.
So, that's bad right? Not really. Rockets are expensive. Very, very expensive. A Falcon 9, which is one of the least expensive rockets in its class, costs $50-60 million dollars. Fuel is cheap. The cost of RP1 (basically kerosene) and LOX or a Falcon 9 launch is approximately $200,000. (Figures from the C-Span video below, about 21 minutes in.) $200,000 may not sound 'cheap', but compared to the hardware it is nothing. If you can reuse the hardware repeatedly the savings add up and justify the increased fuel costs.
It might sound like a crazy idea, but remember that vertical powered landings have been used many times for landing on other bodies. A number of planetary and lunar probes have used a powered landing, and, of course, all of the moon missions used a lunar lander that made a powered descent and landing. On Earth the McDonnell Douglas DC-X developed the vertical launch & landing concept before it was cancelled. The concept lives in and vertical launch & landing designs have been created and flown by Blue Origin, Armadillo Aerospace, Masten Space Systems, and others.
It is certainly possible to do. It isn't simple, but it isn't unfeasible. And if anyone can pull it off, it is probably SpaceX. I think they've the most exciting company to watch in the rocket industry at the moment.
SpaceX CEO Elon Musk talks a bit about their plans in the following C-Span video, starting around 20 minutes in. Note that he says the video above is not a completely accurate representation of their concept. This is partly due to the concept evolving and the video not representing the latest evolution, and partly due to deliberately hiding some of their technical points for competitive reasons. So take it as an example of the concept and not an exactly depiction.
Picked up via Gizmodo.


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Oxford and Burma
Over the past three years Oxford has been working to aid the development of democracy and living standards in Burma, one of Asia's most impoverished countries.
Oxford's aid to Burma is designed to have an impact throughout the nation: training we are providing to young lawyers will help them defend constitutional freedoms and safeguard economic growth from corruption; our collaborations in wildlife and geology will ensure a sustainable future for the country; and our partnership with Burma's leading university, the University of Yangon, is helping to strengthen a national institution that the country's other universities can learn from.
In meetings with key Burmese politicians, civil servants and university leaders, Oxonians including Pro-Vice-Chancellor (Development and External Affairs) Professor Nick Rawlins, who leads our activities in Burma, are offering advice on how they can deliver educational standards of international quality. These meetings support the collaborative educational and research programmes that Oxford has launched with Yangon and other Burmese organisations.
The University of Yangon was once one of Asia's most vibrant universities, but it closed its doors to undergraduates for many years during the period of military rule. Since 2013 Yangon has once again welcomed undergraduates and is working hard to revive its teaching and research. Senior Yangon staff visited Oxford in early 2014 for training in curriculum and research design, student support and strategic planning, following which Yangon instituted wide-ranging reforms. Close collaboration continues, with Oxford providing ongoing advice, guest teaching and book donations.
Problems such as inadequate library resources at Yangon and Burma's national higher education library have been addressed. Bodleian law librarian Ruth Bird and Andrew McLeod, of Oxford's Burma Law Programme, designed a new digital library for staff and students, as well as training staff in cataloguing and shelving. Book donations have been sent from across Oxford, including more than 5,000 law reports and periodicals from the Bodleian Library and 3,600 books from the Radcliffe Science Library.
The Faculty of Law's programme of aid to Yangon is one of the most substantive of Oxford's Burma programmes. Hundreds of students from Yangon and other universities in the city of Rangoon have received training in core legal subjects through lectures delivered by Professor Andrew Burrows, Professor Adrian Briggs and Andrew McLeod. Professor Briggs has written the first-ever textbook on private international law in Myanmar, Professor Burrows has authored a paper on the country's law of contract, while former Dean of Law Professor Timothy Endicott has travelled to Yangon to deliver a guest lecture on the interpretation of contracts. 'We share the common law heritage with Myanmar,' said Professor Endicott. 'This means that we have something to contribute in teaching everything from commercial law to constitutional law.'
Sustainable economic growth is particularly important for a country with an unspoilt landscape and burgeoning tourism industry. Oxford zoologists and their Burmese counterparts are collaborating in a conservation project to track the rare Clouded Leopard in the country's forests. Geologists from Oxford's Department of Earth Sciences are investigating ways of reviving the study of geology in Burma, a country rich in oil, gas and mineral deposits but without well-trained geologists. New medical research is also underway as the Mahidol Oxford Tropical Medicine Research Unit has opened a research base in Rangoon, to explore ways of preventing and treating diseases like malaria and typhoid.
Learning English improves young Burmese people's educational and career opportunities, so Daw Suu's alma mater, St Hugh's College, has launched summer schools in English for secondary school pupils and students. Meanwhile, St Antony's College has established a research fellowship to explore different aspects of Burma: the Aung San Suu Kyi Senior Research Fellow in Modern Burmese Studies, which is also affiliated with the Department of Politics and International Relations. The department is also hosting a series of visiting research fellows. Lady Margaret Hall, through its International Gender Studies Centre, has appointed a Visiting Fellow in Gender in Burmese Studies and launched a women's history research project in collaboration with Yangon.
As Burma continues to open to the world, we are also working to attract the best Burmese students to Oxford. Scholarships such as the prestigious Jardine Scholarships exist to cover the cost of fees and living expenses to outstanding students from south-east Asia. Oxford is already home to a small number of Burmese scholars, but there is still a need to improve academic attainment levels in the country and raise awareness of study opportunities among teachers and educational advisers for Oxford to broaden its Burmese cohort.
Professor Rawlins said: 'We are proud of what we have achieved already but we still have a lot to do at this crucial stage in Burma's development. It is a privilege to be able to help.'
Please note: The University of Oxford has no position on the correct name for the country referred to variously as 'Burma' and 'Myanmar' or for the city known as 'Yangon' and 'Rangoon'. The choice of one name over another – or where both names are used, the order in which they appear – should not be taken as a statement of policy. In line with the University's commitment to work impartially with all actors, usage will reflect the nature and context of individual situations.
Inspirational teachers
A source of inspiration: Oxford recognises the importance of a good teacher in raising the aspirations of students across the country.
Realising your potential
While some OUDCE students with limited previous learning opportunities want qualifications, others are seeking educational enrichment for its own sake. After many years of running a successful PR business, Julie Whyman completed more than 15 weekly courses. She then took a Foundation Certificate in English Literature, swiftly followed by a Master's in Literature and Arts, and is now contemplating doctoral research focused on Dante Gabriel Rossetti's work. 'The small incremental steps we take are bolstered by the support of staff in the department,' Julie explains. 'They give you the means to find a way to realise your passion.'
Teaching is delivered in weekly chunks or over a day or weekend, through summer schools and online. Some courses lead to masters' and doctoral degrees. History and History of Art rank alongside Creative Writing and Archaeology as the most popular courses out of 1,000 part-time programmes on offer each year. 'Creative writing students range from 18 years old to 80 plus in my experience of online and weekly classes,' says Dr John Ballam, Director of the Undergraduate Diploma in Creative Writing. 'Most are in their 30s to 50s and they are mainly women; there are all levels of academic achievement – from no qualifications to emeritus professors!'
The community project Archeox (Archaeology of East Oxford) attracted hundreds of volunteers who come 'from all walks of life', according to project head Dr David Griffiths. He and fellow researcher Dr Jane Harrison dreamed up the idea on a dig in Scotland. 'We were in the Orkney Islands, thinking there must be some brilliant research opportunities on our own doorstep in East Oxford,' he explains. The project, which launched in 2010 with funding from the Heritage Lottery Fund, included a six-week excavation at Bartlemas Chapel in Cowley, the site of a medieval leper hospital, where they found 13 burials and even evidence of leprosy among the human remains.
Since 1927 the department has had a physical base at Rewley House, but its core mission has remained much the same through the decades – to provide opportunities for lifelong learning. OUDCE's cohort now outnumbers Oxford University's full-time undergraduate community as enrolments have continued to rise steadily – from 14,000 in 2000 to almost 21,000 in 2014. OUDCE Director Professor Jonathan Michie explains: 'We are not leaping on trains to give lectures around the country like the Revd Johnson, but we are delivering education to thousands of people in a myriad of ways. You don't have to quit your job or study full time to enhance your career. With our support, people continue to seek new horizons and enrich their education – whatever their stage in life.'
A national treasure
Over the last few years a major refurbishment of one of Oxford's most recognisable libraries has taken place behind hoardings on Broad Street. The New Bodleian Library was designed by Sir Giles Gilbert Scott and built in the 1930s. After being used to help the war effort, it was opened by King George VI in 1946. But the Bodleian wanted to create high-quality storage for its valuable special collections, to develop its space for supporting advanced research and to expand public access to collections.
So plans were developed for an £80 million refurbishment, which was enabled by a £25 million donation from the Garfield Weston Foundation, a £5 million gift from Julian Blackwell and support from Oxford University Press. Since work began in 2011 84 kilometres of shelving, 6,500 tonnes of concrete and 1,000 tonnes of steel have been stripped out of the Grade II-listed building. The original book stack was removed down to the lowest basement level. The central stack was rebuilt along with the installation of three floors of secure storage below ground level. New study rooms, reading rooms and a Visiting Scholars' Centre were created. The stone façade was cleaned. In March 2015 the building reopened as the Weston Library. The project seems to have been a success – the Weston has been shortlisted for awards including a Prime Minister's Better Public Building Award and a conservation award from the Oxford Preservation Trust.
The façade of the building, on the corner of Broad Street and Parks Road in the heart of Oxford, has mostly remained unchanged from Giles Gilbert Scott's original design. The most visible difference is that a new colonnaded entrance on Broad Street invites the public to enter the building. The entrance leads to the Blackwell Hall, a large atrium with a café, shop and exhibition galleries. The hall can also accommodate public events such as poetry readings and concerts. 'We have opened up the ground floor area to create something comparable to an Oxford quadrangle but indoors,' says Toby Kirtley, the Bodleian Libraries' Estates Project Officer.
Richard Ovenden, Bodley's Librarian, says the Weston Library will become a significant venue for exhibitions. The first exhibition, Marks of Genius, displayed some of the Bodleian's greatest treasures, including a 1217 copy of the Magna Carta and Tolkien's illustrations for the first dustjacket of The Hobbit. 'We want more visitors seeing higher-quality exhibitions with digital interpretation, borrowed objects from other institutions and student involvement in the curation of exhibitions,' he says. The early signs are good – as of October 2015 500,000 people had already visited the Weston.
The Weston Library has become the main home of the Bodleian's special collections – its unrivalled archive of rare books, manuscripts, archives, music, ephemera and maps. Fire suppression and climate control systems have been installed to protect these treasures. Previously the collections were scattered across different locations, including the Radcliffe Science Library in Oxford and the Book Storage Facility in Swindon, but now they are able to be stored in the same place for the first time.
The Weston Library also houses the Bodleian's expert team of conservators and curators who offer advice to researchers who are looking at the collections. 'If someone is looking at an Anglo-Saxon manuscript and notices an inscription or a mark in the margin which was done by the printer, they can ask a conservator who will often recognise it as belonging to a particular printer,' says Richard Ovenden. 'That is something Google really struggles with.'
The Weston Library is intended to make studying an easier and more enjoyable experience, right down to the chairs in the reading rooms which were specially designed by BarberOsgerby. 'Everything was carefully chosen and arranged, from the choice of wood to the lighting,' says Richard Ovenden. There is also a café for readers and spaces for collaborative working, including a Centre for Digital Scholarship where scholars and students can conduct technology-based research with the collections.
Building for success
Oxford's Department of Physics is one of the pre-eminent in the world, by any definition. It's among the largest in size with more than 1,000 students, nearly 500 staff and a turnover of £42 million. It produces more first-class research than any other physics department in the country (according to the latest Research Excellence Framework), and in any given year around ten members of the department win major national and international awards for their research. And Oxford Physics produced one of the University's first spin-out companies, Oxford Instruments, responsible for the superconducting magnets now used in MRI scanners.
Oxford Physics continues to flourish despite physical surroundings that, according to Head of Physics Professor John Wheater, are in many cases 'fundamentally unsuitable for world-class research'. The department hasn't had any major new research infrastructure in half a century – not a long time in the University's overall lifespan, but a significant period given the rate of change and innovation in physics research. A 2008 review of the department highlighted the need for a better infrastructure in place of the dispersed mix of buildings and facilities, leading to the New Clarendon Laboratory project – a major redevelopment of the area around the current Clarendon Laboratory.
The first stage in this ambitious project is the new Beecroft Building, which broke ground on 2 October and will house the department's theoreticians alongside modern laboratories for advanced microscopy and quantum science. The accommodation for theoretical physicists has been designed 'to encourage the interaction of researchers which is the hallmark of a successful theoretical research environment', according to Wheater. At the same time the building's experimental physics labs have been designed for extremely high-precision work like the £38 million government-funded Networked Quantum Information Technologies Hub (NQIT) – a partnership to develop a demonstrator quantum computer by 2020. Projects like these don't just require cutting-edge technology like lasers – they depend on being able to strictly control the temperature, humidity and even vibrations in every lab.
The Beecroft Building project officially began three years ago with the launch of an £8 million capital fundraising campaign towards the total cost of the building. Having reached its target ahead of schedule in January 2015, the Beecroft campaign stands as a model for capital fundraising success across the University. Helped by a gift totalling £4 million from Adrian Beecroft (a long-time supporter of the Physics Department and major donor to the Beecroft Institute of Particle Astrophysics and Cosmology), the campaign raised more than 90% of its total from just 12 principal gifts. The campaign's success also clearly showed the strong support for the groundbreaking work of Oxford Physics among alumni – nearly the entire amount raised came from graduates of the University. In addition to the substantial major gifts, more than 60 alumni have pledged smaller amounts to join the Henry Moseley Society, dedicated to supporters of the Physics Department. The project has also benefited from a generous £1.9 million grant from the Wolfson Foundation and £3.6 million from the Engineering and Physical Sciences Research Council, bringing the total external funding raised to £13.6 million.
The warmth and enthusiasm for the project among alumni was a defining characteristic of the campaign, according to Wheater, whose own efforts spearheading the project from planning to fundraising have ensured its success. That shouldn't be surprising given the wide appeal of physics and the potential impact of its discoveries. Physics is literally the science of everything – from the forces that govern interactions of the smallest fundamental particles to the mathematical models that explain the universe. And physics research not only helps us understand the origins of time and space, it also enables scientific developments ranging from breakthroughs in medical technology, to manufacturing and environmental protection. Oxford physicists are at the frontline of much of the research that captures the public imagination and generates headlines – from the teams working on the Large Hadron Collider and Square Kilometre Array to the citizen science projects Zooniverse and Galaxy Zoo. The groundbreaking work of Oxford physicists has been embraced by alumni supporters – from Sir Tim Berners-Lee and Stephen Hawking, who both publicly endorsed the Beecroft campaign, to recent graduates whose engagement with physics continues even as they pursue careers in a wide range of fields.
'The Beecroft Trust is delighted to have been able to help ensure that the new physics building will become a reality,' says Adrian Beecroft. 'Attracting and keeping world-class researchers is essential for Oxford to retain its position as a world leader in physics teaching and research. The new building will provide the cutting-edge facilities and space to support the innovative ideas and experiments of Oxford physicists for many years to come.'


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By Muslim Mirror News,
Hyderabad, April 14: The UGC-NET Coaching Centre at Maulana Azad National Urdu University is offering coaching classes for the UGC-NET exam scheduled to be held in last week of June 2013.
The Centre will arrange Coaching classes in the months of May & June 2013 for Paper-I compulsory subject (General Studies and Teaching Aptitude) and in Papers II & III in the following subjects: Urdu, English, Arabic, Persian, Hindi, Public Administration/ Political Science, Management, Social Work, Computer Science & Application, Women's Studies, Education and Mass Communication. Coaching in paper-II & III will be provided if the applicants are 10 and above in a particular subject.
Desirous candidates may obtain application forms free of cost from 10th April 2013 from Room No. 201 ITI Building, Maulana Azad National Urdu University, Hyderabad. The same can also be downloaded from the University website www.manuu.ac.in.
The last date of submitting filled in application form along with DD of Rs. 200/- in favour of Co-ordinator UGC NET Coaching Centre payable at Hyderabad is 29th April 2013. The intake of students is 100. Classes will commence from 8th May 2013.
For further Details Contact – 040-23008436, 23008304.


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The Yahoo! Finance headline just after Christmas was quite clear: 'The sexiest investment for 2019: Cash.'
Thus far, the article could hardly have been more wrong. Year to date, global equities have gained about 15%, while cash has made hardly anything. Not so sexy now, Yahoo!
But it was expressing a widespread view. When times are tough and markets have been falling, as they were in the final quarter of 2018, many investors run to cash. Cash feels cautious. Cash feels sensible. Cash is king, right? You can sit and wait in cash until times get better.
Now it's always useful to have some cash in your portfolio. Cash helps you to deal with unexpected demands and everyday crises. Cash is a buffer against the uncertainties of life.
But cash is also a danger, which investors often don't appreciate. One problem is that it can get eaten up by inflation. In the UK, for example, returns on cash has been lower than inflation in every year since 2009.
If you had put £100 in the bank in January 2009, it would now be worth about £79 in real terms (taking consumer inflation into account). Over the last ten years, holding cash would have chomped up one fifth of your buying-power – even before taxes and bank charges.
A loser since the financial crisis
Normally, cash earns more than inflation. In the UK, this was true in every year between 1980 and 2008. Since the global financial crisis, though, cash has been a consistent loser. With cash rates still low, it's downright reckless to hold a cash ISA for a few years.
The huge advantage of cash is that it's immediately available. You can go to the bank and get your money right away.
But most investors don't need this facility. If you're in your thirties your expected lifespan is another fifty to sixty years. You are a very long term investor indeed.
If you retire in your early sixties and are reasonably healthy, you can expect to live for twenty or thirty years more. Many retirees should be investing a portion of their pension pots for the long term.
And long term investors should be trying to maximise their long term returns. Most of them should hold big chunks of equities; the best performing asset class over a decade or two.
Between 1900 and 2018, for example, it's been estimated that UK equities gained 4.5% per year after inflation. Even after expenses and costs, long term investors have done well. There were disaster years, of course, like 1974 when UK equities fell by 44%, but they recovered handsomely in due course.
By contrast, cash returned only 0.46% per year after inflation over this 119-year period. The cost of safety and security was returns one tenth of those of equity investors.
For long term investors, then, cash is an expensive luxury. Most people would be better off holding as little cash as possible and buying a chunk of equities instead.
Article provided by Terence Moll at Seven Investment Management


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With so many stylish choices available from bold, modern models with a technical twist to the more classic and refined option, it can be confusing how to match your favourite time piece to the right occasion.
Today, it is mostly acceptable to wear a watch in almost any social occasion as part of a sophisticated ensemble. However, like any kind of dress code, there is a considered etiquette associated with wearing a wrist watch.
Here are the main things to keep in mind to make sure that your watch meets all style requirements:
1. Getting the right fit
A watch too loose can disappear down the arm, hindering the wrist watch's functionality. A watch too tight? Uncomfortable to wear. A man's watch should primarily be easy to wear, with ladies opting for a bracelet like fit. If adjustments are needed to be made, watch sellers and shops are keen to help customers find the right fit. They will happily remove or add links to a metal watch or adjust a leather strap in keeping with customer preferences.
2. Decide where on the body to wear it
There is no considered wrong or right to where you should wear your watch. Simply, it should be the part of the wrist you find most comfortable. Most people opt for the opposite arm that they write with so not to interfere with movements, but at the end of the day it is up to you.
3. The everyday watch
Classic rules apply to a watch you would wear everyday- the simpler the watch the more appropriate it is for all occasions. A plain black leather strap with a simple silver face is truly versatile for almost any situation. A neutral, stainless steel option is also worth considering for a more durable approach.
4. The formal watch
For any important events, having a watch which is in keeping with the rest of your accessories or jewellery is recommended. A lady should always make sure her watch matches her necklace or bracelet and a man in sync with his cufflinks and tie pins. Precious metal watches with a discreet design are ideal as they hug the wrist under the cuffs of formal dress shirts, including French cuffs with cuff links.
5. The sports watch
A sports watch is where you can take it up a notch with both design and functionality. Created for sporting events such as diving, racing or the all singing and dancing all purpose watches, these are designed for a busy sporting environment. Wearing a sports watch with a suit is frowned upon by many a fashion expert so try to avoid making this fashion faux-pas.
6. Women's watches as jewellery
Large faced watches are the easiest option for telling time, but for more sophisticated events a finer watch with a touch of sparkle is the right choice. If wearing other items of jewellery, wear on a different arm to avoid an overload of accessories. Designer and vintage style watches look best with the appropriate wardrobe to match.
Ultimately, the main consideration for those wearing a watch is comfort. Make sure that you are happy with your fit and style and you should be accessorised appropriately for most situations you will come across.
Do you have any further advice to share with the watch wearer?


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"Packs of dogs close me in, and gangs of evildoers circle around me; they pierce my hands and my feet; I can count all my bones." (Psalm 22:16 The Book of Common Prayer, p.611).
There are many ways of looking at the Passion and Death of Jesus on the Cross. They are each unique and have something to contribute to the whole. Jesus' death was a terrible event. It was ugly. It was bloody. In Jesus' betrayal, trial, and crucifixion is the experience of every form of human suffering that can be imagined or experienced. Christ's Death on the Cross is the confirmation of our faith that God is with us in whatever is happening to us. God's extravagant love is poured out for all humankind in this amazing act of obedience.
The Contemplative looks upon the wounds of Jesus on this Good Friday and sees in them a way into the depth of God's loving goodness. The cry of anguish, helplessness and a willingness to accept where God had Jesus in what was so vicious and cruel. Yet, love for His Father and all of us was Jesus' sole objective. St. Julian of Norwich wrote in A Song of True Motherhood "Even when all was completed and he carried us so for joy, still all of this could not satisfy the power of his wonderful love." (Canticle R. Enriching Our Worship 1, p. 40). The very reality that all of humankind has many many problems are mysteriously represented and accepted by God, as Jesus hangs on the Cross between eternity and time with His arms outstretched; is God's arms of love ever ready to embrace all of us.
When we open ourselves to experience the love of Christ on the Cross within our wounds we discover what Abba Pambo said, "If you have a heart, you can be saved." Christine Valters Paintner in her book Desert Fathers and Mothers: Early Christian Wisdom Sayings Annotated and Explained writes, "The desert elders saw the heart as the center of our being where we encounter God most intimately" (See pages 26-27). As Contemplatives, we can always meditate on the wounds of Jesus, our wounds and those of humankind from our interior selves. When we surrender in obedience to the grace of God through Jesus Christ; the transformation of our own lives and those of the world around us becomes possible so long as we get ourselves out of the way.
"Brothers, now that we have asked the Lord who will dwell in his tent, we have heard the instruction for dwelling in it, but only if we fulfill the obligations of those who live there. We must , then, prepare our hearts and bodies for the battle of holy obedience to his instructions. What is not possible to us by nature, let us ask the Lord to supply by the help of his grace" (RB 1980: The Rule of Saint Benedict in English, The Prologue, p.18).
How do you see the wounds of your life in the light of the wounds of Christ on the Cross?
Brother Anselm Philip King-Lowe, OSB
If you feel led to buy me some coffee, please scroll to the bottom of the right sidebar and click on the Benedictine Coffee Mug. Thank you so much.


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When you start a business, legal issues can seem complex, even scary. This simple guide helps you ask smart questions and get the right advice. Find out what practices will help you keep your legal matters clear and simple! You will learn key concepts and terms, how to choose an attorney, contract essentials, and what you need to protect (such as processes or intellectual property). Plus the basics of partnership and corporate structures, license and regulation essentials, employment issues, legal aspects of buying and selling, common pitfalls, international business issues—and more.
Each of the books in the Crash Course for Entrepreneurs series offers a high-level overview of the critical things you need to know and do if you want to survive and thrive in our super-competitive world. Of course, there's much more to learn about each topic, but what you'll read here will give you the framework for learning the rest.
Between them, Marc A. Price, Michael F. O'Keefe, and Scott L. Girard, Jr. have successfully started 17 companies in a wide variety of fields. Scott was formerly executive vice president of Pinpoint Holdings Group, Inc. Mike founded O'Keefe Motor Sports in 2004 and grew it into the largest database of aftermarket automotive components in the world. Marc has launched seven companies of his own and collaborated with the Federal government, U.S. military, and major nonprofits and corporations.


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Dear brother Priests and Deacons,
Dear Consecrated Religious and seminarians,
Friends in Christ all,
We gather on the eve of our country's Independence Day, approaching the end of the Fortnight for Freedom. In this two week period people in dioceses throughout our nation have offered prayers, held informative workshops, and gathered in peaceful rallies to celebrate the Freedom that flows from our dignity as children of God. This freedom is unique in history. It is the hallmark of the United States of America.
In a more particular way we have reflected these days on the cherished value of Religious Liberty. This is the freedom to gather and worship – as we do this evening. Religious freedom means more. It is the determination to act on the beliefs that we profess each Sunday; beliefs that flow from the Gospel message of Jesus Christ.
It is hard to imagine the history of Catholicism in the United States apart from this grace of religious freedom. It is difficult to imagine any progress of the people and culture in the United States apart from the apostolic actions of the Church; actions which, from the very founding of our country, have aided an inestimable number of people in every community in America. This work of Catholic believers continues in education, health care, emergency assistance, counseling, housing, nursing for the elderly, adoption, chaplaincy in the military, in the prisons, on secular campuses and hospitals; yes in countless works for others. We serve people, not because they are Catholic, but because we are Catholic.
What motivates this constant work of faith that has built our nation and which supports countless people of every color and creed and age? It is our Catholic belief expressed in concrete action. This is possible because we have always enjoyed the freedom to live according to our conscientious beliefs. This inalienable and fundamental right is established, not by man, but by God as constitutive of the human person with free will. And the goodness of our country and the wisdom of the founders has always seen fit to protect and guarantee this liberty in law. The freedom of Religion means also the freedom to do good and not to violate our conscience.
It just so happens that on July 3 the Church marks the feast day of St. Thomas the Apostle. St. Thomas was one of the twelve chosen by Jesus. In accord with the Gospel we just heard he is sometimes given the unfortunate title "Doubting Thomas." Thomas, while he is weak like us and wanting to see the risen Lord, makes a great profession of faith, "My Lord and my God." So strong is Thomas' faith – strengthened by Jesus – that according to the first century tradition, Thomas goes on to be a great missionary to India – and eventually a martyr for the faith. He professes Christ. He lives what he professes. He dies for his beliefs.
This is the freedom which Jesus Christ gives: freedom to spend our lives in service; freedom to give away our life rather than cling to what is contrary to the truth Jesus reveals. Our worship here today – as beautiful as it is – does not and must not end in the pews or within these walls. The grace of the Holy Mass must take root deep in our heart. It must show itself in charity: "What you do for the least of my brothers and sisters; what you neglect to do for these least ones: this you do – or fail to do – unto me." This is God's command and it surpasses even the best human law.
In the last 5 months, the United States bishops and the Catholic faithful of our country have been challenged about the core beliefs that are meant to govern our life. Let's be clear, no one has told us to stop worshipping God. Nonetheless very soon – August 1, 2012 – less than a month from now – a plan will be begin to be realized – it seems clearer now than ever – that will eventually impose on certain of our Religious institutions – and also on each individual – a requirement to fund insurance coverage which is contrary to the moral law.
Only institutions that by a very narrow definition are "Catholic" might be exempt from this mandate. The HHS department's current definition of a Catholic religious institution is one that employs mostly Catholics and serves mostly Catholics. But our Catholic hospitals, our Catholic Universities, Catholic Charities have never limited their care of others to "mostly Catholics." It seems clear that, under the HHS mandate, none of these institutions would qualify for the Religious exemption so narrowly defined. They would be forced to fund insurance practices which are contrary to the moral law.
Over the last months the U.S. bishops have opposed the mandate of the U.S. Department of Health and Human Services – issued in February, and not altered or rescinded or changed in any way so far – which would require that sterilizations, contraceptives, as well as abortion-inducing contraceptives – to be paid for by employers and ultimately by the citizenry, regardless of whether the use of these interventions were contrary to conscience. Sterilizations and contraceptives are not basic health care. They are not good, necessary, preventive medicine which promotes sound health. Rather, for us to participate and pay for such procedures brings us into direct cooperation with actions rightly taught by the Church as evil.
This is the moral dilemma of today. Some have understandably wondered: if Government demands that we provide these interventions to others who chose them, what might government require at a future time? Isn't publicly funded elective abortion the next logical step? Many reasonable people have objected to these recent actions of the Government which seem to re-define the parameters of our moral conscience. Good government welcomes the contribution of people of faith and must not require people to act in such a way as to compromise their faith and core beliefs.
The dilemma many of our Catholic institutions face is real and may come quickly and decisively. Follow these mandates or be fined; pay these premiums or go out of business. Can we violate our consciences and the very meaning and purpose that motivate our daily work by participating in this way? If we do not participate, will our Catholic hospitals and our Catholic universities close? How will the work of Catholic Charities continue if we are asked to make this ultimate choice which so directly compromises our principles? The choice is difficult not only for Catholic institutions, but for employers and employees who will be expected to make the same choices.
So far these initiatives have been taken by the Executive Branch of government. Surely the Legislative and Judicial Branches will have to act, but how much damage will be done if these mandates are not rescinded?
Today we come together at a national holiday of freedom. How grateful we are for our Country and the heritage of freedom that has defined it thus far. We come to pray. And we must be determined to speak and act peaceably to secure in law what ought never to be changed or endangered: the liberties which make us the greatest country in history and which best support our God-given freedom. We cannot betray our consciences. We cannot participate in what is destructive even when the cost is great. Lord guide us; fortify us in peaceful but firm resolve; unite us today for the sake of the considerable good work that must continue. Help us to be instruments of peace and apostles for freedom.
The Fortnight of Freedom began with the feast days of St. Thomas More and St. John Fisher, two English martyrs, a layman and a bishop, who would not violate their conscience to do the king's bidding. Today we implore their intercession and also that of St. Thomas the Apostle, who not only professed his belief but became a powerful missionary in its service and died in fidelity to Christ. We too wish to live our faith with integrity, not just within the walls of the church building, but in the marketplace and the crossroads, where there remains so much to do to bring education, health care, and every kind of help to God's people.
May our Blessed Mother, Our Lady of the Immaculate Conception, watch over us, keep us under the safety of her mantle and lead us on a safe path. I have asked you to pray to St. Michael for an interior renewal and that we may be fortified for what lies ahead. Keep praying that we will as bishops, clergy and religious, and lay faithful will persevere, united in this challenge.
Almighty and powerful God, bless and preserve our country. Guide us with that constant light which gives us hope. Safeguard the values and principles which define us. Lord, Bless America. Bless every one of her officials and leaders. Bless us as faithful citizens. Amen.


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TELOS Tells All: Jarrod's Jamaican Journey (part 2)
- At July 30, 2014
- By Avri
- In Lifestyle, TELOS Tells All, Uncategorized
- 0
So to start this out I have to tell my donut story. I was leading this trip so I made sure that everyone got checked in properly. After we all cleared security, I decided that I would buy 2 dozen donuts for breakfast for everyone to share. It went over pretty well, but there were still a few donuts left over so I decided that there were other hungry people in the terminal where we were waiting. As I walked around, a few people took a donut or two and I concluded my journey with a couple of donuts left. During my short stint of donut serving, I noticed a group of people that looked familiar.Read More»
Daily Specials: Week of 7.7.14
- At July 10, 2014
- By Avri
- In Uncategorized
- 0
Soup- Roasted Corn
Soup- Black Bean
Soup- Southwestern Chicken
Soup- Poblano
Soup- Roasted Tomato
Don't give up, switch it up: Pushing through the plateau
- At July 2, 2014
- By Matt
- In Fitness, Lifestyle, Ortho-Kinetics
- 0
Inevitably as we continue to exercise we run into the ogre from under the bridge known as the plateau. It happens in many different ways, all of which sum up to I'm not getting any stronger, I'm not adding muscle, or I'm not losing weight. Every one of us has experienced this and it can be frustrating to the point of debilitation for some, quitting for others, and my personal favorite "this is what happens when you start to get old" for those special people that use age as the default response for exercise pitfalls and roadblocks. Trust me, its not age, some of my strongest clients would fall into the "seasoned" category and age isn't slowing down their ability to make progress.Read More»


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A handy FREE guide with over 70 TV advertising terms
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Please review the account details to determine which features best fit your needs. Or visit our office and let us help you make the best decision for you!
A basic, no-frills business checking account designed for small to medium business and non-profit.
Monthly Maintenance Fee with daily balance under $750 ~$12.00
**Charge for each item after 20 credits per month $0.25
A basic, no-frills business checking account designed for sole proprietors and other entities eligible for interest-bearing checking accounts.
Images Returned With Statement ~ No Charge
Interest Compounded and Paid ~ Monthly
Monthly Maintenance Fee waived With Daily Balance $2,000 Or More
A money market investment account for businesses with excess cash balances which wish to earn a higher yield while maintaining liquidity. Limited check writing capability.
Monthly Maintenance Fee Waived with Daily Balance of $2,500 or more
Monthly Maintenance Fee With Daily Balance Under ~ $2,500. ~ $15
Interest Compounded and Paid ~ Monthly
Excessive Activity Fee after 3 withdrawals every month (Each) ~ $5
Maximum 3rd-Party Withdrawals Per Statement ~ 6
Designed for businesses with high transaction volumes and average balances. Allows businesses to offset fees and monthly charges against an earnings credit.
Designed to keep your cash reserves working – yet readily available when you need them.
Monthly Maintenance Fee with Daily Balance under $100 ~ $7
Excessive Activity fee for each withdrawal is $1.00
A savings account with a premium yield.
Higher Yield than most savings accounts
Monthly Maintenance Fee Waived with Daily Balance of $2,500 or more
Interest Compounded and Paid ~ Quarterly
Statement delivery electronically via the Internet
Monthly Maintenance Fee with daily balance under $100.00 is $3.00
Excess Activity Fee for each withdrawal is $1.00 After 1 Free per Quarter.
1. Interest Rates and Annual Percentage Yields (APY) are variable and may change at any time at the Bank's discretion. No floor or ceiling has been established. A minimum daily balance must be maintained to obtain the APY. The minimum daily balance that must be maintained is equal to the "Minimum Daily Balance to Earn Interest" amount disclosed for each product. We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the collected balance in the account each day. We use an interest accrual basis of 365 days for each day of the year. Interest begins to accrue no later than the business day after the bank receives credit for the deposit of non-cash items such as checks. Accrued but unpaid interest may not be paid if the account is closed. Seven Days notice of withdrawal may be required. Fees could reduce the earnings on all accounts.
2. Account is limited to 6 covered transactions per month. Covered transactions include preauthorized, automatic transfers (including but not limited to transfers from the savings deposit for overdraft protection or for direct bill payments) and transfers and withdrawals initiated by telephone, facsimile, or computer, and transfers made by check, debit card, or other similar order made by the depositor and payable to third parties.
3. Federal eligibility requirements apply. This Applies to Money Market Accounts and Business Savings Accounts Only
Main Bank • 7300 Menaul Blvd. NE • Albuquerque, NM 87110
Phone: (505) 880-1700 • Fax: (505) 880-1777 • Email: email@example.com • Map
All Rights Reserved. Copying © 2019 Main Bank
National ATM Locators
You can also use any ATM or POS terminal displaying the NYCE®, Cirrus®, or Maestro® Logos.Debit cards may also be used at any terminal, ATM, or merchant displaying the MasterCard® Logo.Use one of the following links to find an ATM location near you:
SUM Program ATMs
Main Bank is a member of the SUM Program, which allows Main Bank customers to use their cards "surcharge free" at more than 2,800 SUM designated ATMs.Johnson County Bank does impose an ATM network fee for transactions at non-Johnson County Bank ATMs except as noted for Premium and Premium Plus Relationship Account customers.
Your privacy is very important to us.We would like to advise you that Internet email is not secure. Please do not submit any information that you consider confidential. We recommend you do not include your social security or account number or other specific identifying information.
You are leaving Main Bank's Web site and linking to a third party site. Please be advised that you will then link to a Web site hosted by another party, where you will no longer be subject to, or under the protection of, the privacy and security policies of Main Bank. We recommend that you review and evaluate the privacy and security policies of the site that you are entering. Main Bank assumes no liability for the content, information, security, policies or transactions provided by these other sites.


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Paulo's Birthday
- Anna Dyson
- 3 Comments
Paulo's Birthday. Sounds like a children's story book, and maybe one day this will have a fairy tale ending, maybe sooner than we can dare dream….
So today I found myself back in Armley to develop links with The Real Junk Food Project. It's been a beautiful day here in Leeds, and the mood in the cafe was (again) welcoming, friendly and loads of food on offer.
Whilst I sat waiting for my meeting with one of the Directors, a man walks in, places his rucksack by the door, and makes his way over to the breakfast bar. One of the volunteers immediately sees him and announces that it's Paulo and it's his birthday today, to which all of us already in the cafe sang a terrible rendition of the birthday song.
He joined me at my table, and we got chatting. Today is his 42nd birthday. He is Portugese and after holding a variety of jobs in Portugal, including 21 years in a mine, and helping at his mother's cafe, he decided to come over to the UK to join his brother and sister in law in Leeds to earn a better wage and improve his standard of living. Unfortunately, things haven't worked out well for him and he has struggled to find work. I asked him where he had come from today, and he replied; 'the streets'. I thought I had misheard him, and tried again. He explained that for the last three months, he sleeps in the doorway of the Leeds Town Hall, between 11.30pm and 6.30am. Why those times? Because that is when the Town Hall is closed and he is able to bed himself in for a sleep. At 6.30am, he gets up, goes to the toilets in the library for a wash, change of clothes, shave, then walks around town until the PAYF cafe opens in Armley. He has no money. His possessions are those in his rucksack at the door. He has no way of eating save for the generosity of strangers, and the determination of Adam Smith and his team in creating The Real Junk Food network.
I asked him what kind of job he would be interested in doing; what would his dream job be? I was blown away by his answer: 'with coffee'. I thought I had misheard. I probed. His mother had owned a cafe in Portugal and he used to work there. He loved keeping the place clean, and using the espresso machine to make his favourite short espresso. I grinned from ear to ear. How is it that, again, in the unlikeliest of places, there is a genuine bond with a stranger who on the surface has so little in common with me?
I explained the ToastLoveCoffee project. He loved it. He said he would help me. I told him I had no money to offer him. His response; 'that is OK, I want to help you'.
So maybe I've found my first Barista. And maybe, on his birthday, he has found the chance he was looking for to live a better life…
I can't wait to try Paulo's coffee creations! x❤x
not a fairy tale, but I know who the fairy character may be (:


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[Above pic: My design for a pediatrician's private office within the clinic and no that's not a real fireplace.]
One of the most common questions I get asked about color is what to do with those not-so-inspiring white tiled ceilings so many treatment and exam rooms come with.
I get questions like, "Can I paint those white tiles and aren't they expensive to replace?"
And, "What if I paint them and lose sound absorption?"
Or… "I already know my landlord won't let me."
Here are my answers to those questions and others you might have about how to treat tiled ceilings to help create a nurturing and beautiful space your peeps love.
First of all, let me say this:
If you can't paint your ceiling, it's not the end of the world.
You can work around the existing ceiling by keeping those glaring overhead lights off and designing the room so beautifully, you help keeping the eye focused on what's below.
That said, if you can paint the ceiling, please do. You will enhance the experience in the room for everyone.
And yes, you CAN paint your white tiled ceiling. Many of my clients have and the results were gorgeous.
Yes, you will lose a small amount of sound absorption, like 10%.
None of my clients who have painted their tiled ceilings have ever complained about it later.
In fact, I've only heard positive things, like how a darker ceiling color makes it disappear and is no longer an eye sore.
Or… My darker ceiling makes me [and my patients] feel more grounded and in relaxed in our bodies.
I like the sound of that.
Tomorrow I'll share more design treatments for your ceilings.
Until then, as my dear friend Dr. Athena Paradise so often says, "Take a deep breath and make it a wonderful day."
With Love,


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NaplesKids is our Birth – 5th Grade children's ministry.
Our Nursery (Birth – 2 Years Old) and Preschool (3-5 Years Old) rooms are designed specifically for your infant through preschool-aged children and we can't wait to meet them! We know that your kids are learning and growing in amazing ways. We also know that things at this stage of life could be described as "organized chaos". Which is why we want you to know that we are ready for them!
We believe in an active, hands-on approach to learning with preschool children. So, you can plan on a lot of jumping, singing, dancing, and laughter in every experience. We look forward to helping your preschoolers learn more about God. It is our hope that your child will learn: God MADE me, God LOVES me, and Jesus wants to be my FRIEND forever.
In Grade School (Kindergarten – 5th Grade), we believe the Bible should never be boring, worship can be really loud, and good leaders always care. Before kids head off to middle school, we want to make sure these three things stick: I need to make the wise choice, I can trust God no matter what, and I should treat others the way I want to be treated.
Our main focus is our small group environment. Our goal is for your kids to see how God's Word fits in to their lives, to learn how to talk to Him, and to build friendships that will last. That's why it's important to make sure your child connects with the same friends and the same leaders at the same service—EVERY SUNDAY!
Birth through 5th Grade ministry (NaplesKids) is available during the 9:00 am, 10:30 am, & 12:00 pm services on Sunday and the 7:00 pm service on Wednesdays.
You will love bringing your kids here!
We believe ministering to your children is a BIG DEAL. It is our heart to team up with parents and help the spiritual formation of their children. We connect children with the real, loving God, and we want to help parents raise children who love God and who will make an impact in this world!
We have created a safe place for your child!
ALL children, birth through fifth grade, are invited to join us during each Sunday and Wednesday service. One of our church values is that we are a safe place: we are a church where you, and your children, can grow spiritually without the fear of being judged and where a mistake is not fatal. We make it a priority to provide a secure environment for you and your family.
Download the Parent Cue App
This app is designed to help every parent do something each week to help move their child toward a deeper faith and a better future.
Influencing people to walk a Christ-centered life.
Sunday: 9:00, 10:30 AM & 12:00 PM
Wednesday: 7:00 PM
10910 Immokalee Road, Naples, FL, 34120


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Adult Learner Advisors
Our dedicated advisors are available to answer any questions you have about completing your degree with EKU. They'll work with you to identify the best path for you to reach your goals.
For information about on-campus or hybrid programs, contact:
Lisa Cox
For information about online programs, contact:
Lindsay Greenwell
You can also complete the form on the right and someone will follow-up with you shortly.