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Thursday, August 1, 2013
No matter what happens today, tomorrow, or this weekend, the career of Alex Rodriquez
is over. After more than 2,500 games and 11,000 at-bats, A-Rod's batting average sits perfectly
at .300. And it won't change.
Alex Rodriquez has played his last game in the major leagues even if he can broker a deal
of a 100-plus game suspension with commissioner Bud Selig. At 38-years old, A-Rod is too old,
too broken, and too toxic to get a shot at ever playing again. Oh, sure, A-Rod will keep the $60
million left on his contract after his suspension is up. But he's property of the New York Yankees,
who have pretty much made it clear that A-Rod will never suit up in the pinstripes again, even
if their current sack of third baseman continue to make Mario Mendoza look like a dangerous
If A-Rod's suspension runs through all of next year, there won't be much of a market for a
broken down, near 40-year old, radioactive superstar who has been dripping in PED's for a
long, long time. He'll be more of a pariah than Jose Canseco who blew the top off the Steroid
Era with his book about the juicers in the game, including A-Rod. People criticized Canseco
for outing nearly everyone in the game, but he turned out to be telling the truth.
Major League Baseball doesn't want any part of Alex Rodriquez anymore. He has lied, cheated,
lied and cheated again. Plus, he disrespected the game unlike any player since Pete Rose. They
have painted A-Rod's ball the deepest shade of black and re-entry into the game will be virtually impossible
After all the scandals we've seen from Tiger Woods to Penn State and Rutgers, there's is nothing
that should surprise anybody, anymore. But the fall of A-Rod is dramatic. Once a player MLB
was proud to promote and make the face of the game, A-Rod is now the face of shame and
steroids whom the Yankees and the Commissioner's Office cannot stand. If they could wave
a wand and make him disappear, they would.
A-Rod will not go quietly, he never has and never will. There will be talk of a comeback, doing
the right thing, and helping the commissioner rid the game of steroids for good. A-Rod will
say all the right things for the cameras and microphones in a neatly choreographed package.
But as we've seen from A-Rod throughout his career, saying and doing are two completely
different things.
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- The RBA left the cash rate on hold in July at 1.75% as expected.
- RBA Governor Stevens suggested August is live with upcoming information to sway the outlook.
- The British referendum and Australian Election have added further uncertainty to the outlook.
- The RBA decision in August hinges on inflation which suggests another cut is coming.
Rates Recap
- The RBA left the cash rate on hold again in July but left the door open for August.
- Governor Glenn Stevens accompanying statement indicated that 'further information' ahead would help refine the outlook for monetary policy.
- A rally in global bond markets on growing uncertainty helped drive longer Government bond yields to record lows.
- The amount of government bonds globally with negative yields continues to grow.
- We are yet to get an update from the FOMC since the UK referendum driven volatility and uncertainty hit markets.
Uncertainty or Opportunity?
Over the past month we have witnessed a number of events which, while not outside the realm of possibility, have thrust greater uncertainty over an already uncertain outlook. Uncertainty, which ever way you cut it, is not good for financial markets, the economy or confidence, and it can create negative feedback loops that can be hard to circuit break. However, sometimes uncertainty can also open the door for opportunity.
One of the major events over the past month was the unexpected vote by the British people to support their country in leaving the European Union. Those campaigning for the UK to remain in the EU used fear of the unknown to persuade voters to opt for the status quo. Alternatively, those while campaigning to leave played on the desire for the UK to regain control that had been lost through the UK's EU membership. This heightened level of fear reverberated through financial markets in the aftermath of the decision with many expecting a 'Lehman' style event. The quick realisation that this is first and foremost a political crisis, compared to an economic or financial one, has seen a sense of normality quickly resume.
While the leave campaign was the eventual winner, we are unlikely to see the fears of political isolation and economic suicide materialise. Nor are we likely to see the UK able to flex its independence muscle once it rids itself of intervention by the EU Commission in Brussels. Overnight the UK appointed Theresa May as their new Prime Minister. She immediately voiced her commitment to Brexit. She will commence the negotiations of enacting Article 50 of the Lisbon Treaty. We foresee two years of negotiations which will require the UK and EU to nut out a mutually beneficial coexistence. The reality is the UK still needs Europe, and Europe – especially its largest economy – still needs the UK, so commonsense will prevail.
The UK's decision has also vexed the question of who is next to want to leave the EU. There are a number of nations where residents are becoming restless and the UK's decision might just give them the confidence to speak up. One of the most significant developments in the aftermath of the UK's vote was the swift, unusual, joint statement from the EU's founding six which you can read here. After acknowledging the UK's decision to leave, they conceded the decision created "a new situation". They vowed to continue working towards a united Europe which was followed by a huge shift in thinking on the European Union experiment:
"It is to that end that we shall also recognise different levels of ambition amongst Member States when it comes to the project of European integration. While not stepping back from what we have achieved, we have to find better ways of dealing with these different levels of ambition so as to ensure that Europe delivers better on the expectations of all European citizens."
This statement was designed to directly address the reason behind the UK's decision to leave. It was also aimed squarely at other nations pondering following in the UK's footsteps that prepared a position to drop their hardline approach and look for compromise.
Another more recent event was our own Federal Election. The swing away from the incumbents to the opposition and the prospect of another term with a hung parliament got most of the headlines. However, it was the shift towards populist candidates in the Senate and the nationalistic rhetoric which is more significant. It is a theme not too dissimilar to the movements we have seen across Europe and the US as voters become disenfranchised with the established political parties.
The inherent uncertainty around the UK's exit from the EU, Australia's political landscape and even the upcoming US election, have the potential to cause a great deal of unease which threatens confidence, decision making and ultimately economic performance. While there are a number of significant headwinds to growth already present in all of these regional and broader global economies, these recent agitators of uncertainty also present opportunity.
It presents an opportunity for the UK and EU to build a better relationship with mutually beneficial outcomes. It presents an opportunity for the EU to become more consultative with its member countries and compromise on those issues that are creating tension, bringing the EU closer together as a result. It presents an opportunity for the Australian political system to embrace a broader consultative process in formulating new policies and legislation that will improve our nation.
It will take progressive and forward-looking leaders to capitalise on these opportunities. The outlook for both the domestic and global economy hinges on it so lets hope they are up to the challenge.
Outlook for Interest Rates
There was a fair degree of anticipation around the RBA's July meeting – and not because the market was expecting a rate cut, with only a 5% chance priced in prior to the meeting. The anticipation was due to the fact there has been an increase in the level of uncertainty over the past month, leaving the market yearning for some direction.
The British referendum and the Australian election were expected to be two key talking points, given the potential impact they could have on the outlook for growth and inflation in Australia. As it turns out, and it shouldn't have been entirely unexpected, talk of both of these drew little attention at all.
Addressing the British referendum in his accompanying statement, Governor Stevens said: "Any effects of the referendum outcome on global economic activity remains to be seen and, outside the effects on the UK economy itself, may be hard to discern."
That is the RBA's way of saying 'move along, nothing to see here' – for the time being that is. The election result, or lack there of, at the time of the RBA's Tuesday meeting, did not even get mentioned. This could of course change if over time, a situation of political gridlock threatens the outlook for the economy in a material way.
The majority of the rest of the statement contained little in the way of changes from what we had seen over the previous month. That is until the final paragraph, which is traditionally where the real gems, if any, are always positioned. In June, the RBA gave little away in terms of the outlook for monetary policy after lowering the cash rate the previous month. The final paragraph of the June statement read:
"Taking account of the available information, and having eased monetary policy at its May meeting, the Board judged that holding the stance of policy unchanged at this meeting would be consistent with sustainable growth in the economy and inflation returning to target over time."
While there has been little to change the outlook in the month since, the July statement saw some subtle changes:
"Taking account of the available information, the Board judged that holding monetary policy steady would be prudent at this meeting. Over the period ahead, further information should allow the Board to refine its assessment of the outlook for growth and inflation and to make any adjustment to the stance of policy that may be appropriate."
The 'further information' that the RBA is referring to is the second quarter inflation print which is due out on the last Wednesday in July. Despite the RBA seemingly comfortable with the economic outlook, the inflation outlook is a different beast.
Since the first quarter fall in inflation was released in the last week of April, we have seen some mixed readings from the monthly inflation gauge compiled by TD securities and the Melbourne Institute. Headline inflation according to the monthly gauge rose 0.1% in April before falling 0.1% in May, only to jump 0.6% in June on the back of the resurgent oil price. This data would suggest that a second consecutive negative reading on headline inflation is unlikely in Q2.
While the negative headline inflation got all the attention in Q1, it is core inflation and its outlook that really worries the RBA. Core inflation printed at 1.55% in the first quarter, and the monthly readings suggest we could be in line for a similar result come the end of the month. So far this quarter, the monthly core reading on inflation rose 0.2% in April, fell 0.2% in May and then rose 0.2% again in June. With a 0.5% increase from Q2 last year set to drop out of the annual equation, a result of 0.2% would see the annual core rate of inflation fall even further below the RBA's target band from the 1.55% print in Q1.
So we now sit and wait for 11:30am on July 27th when the Q2 inflation numbers are due. It will either tip the scales towards another rate cut, taking the cash rate to a record low of 1.50%, or if it will be strong enough for the RBA to sit back and wait for the next update at the end of October.
Australian Economic Highlights
- Growth managed to beat expectations in Q1 with GDP rising by 1.1%, up from 0.7% in Q4, with the annual rate firming from a revised 2.9% to 3.1%. Domestic demand was subdued with net exports accounting for over 90% of growth in the quarter.
- CPI posted an unexpected fall of 0.2% in Q1 against expectations of a 0.2% rise. The fall saw the annual rate slip to 1.3%. The core rate was weak, rising by 0.15% – well short of the 0.5% that was expected. As a result, the annual rate of core inflation fell below the RBA's target band to 1.55%.
- The structural shift in the employment data continued in May. Total employment rose by 17,900 jobs with all of the growth coming in the form of part-time employment. Both the unemployment rate and participation rate remained unchanged at 5.7% and 64.8% respectively.
- The recent volatility in the ANZ job ads report subsided in June with jobs arise rising by 0.5% for the month after last month's 2.4% jump.
- NAB business conditions index jumped higher in June even with the survey undertaken at the peak of recent market volatility. The employment index also increased. Business confidence rose higher as well, from 3 to 6 points.
- Consumer confidence eased slightly in June with the index dropping 1% to 102.2. This is a good result following the rate cut inspired jump of 8.5% in May. It could be short lived given the narrow victory of the Coalition in the federal election.
- The lull in retail sales continued in May with a 0.2% increase falling short of expectations while the previous months result was revised down to 0.1%. There has been a noticeable downshift in the pace of retail sales growth so far in 2016.
- Housing finance was mixed in May with the data continuing to show little direction. The number of owner-occupier loans were down 1%, slightly better than the expected -2%.
- Growth in outstanding credit according to the RBA's credit aggregates eased a touch in May thanks to a slowing in the pace of business lending. Housing lending continued to chug along while personal lending continued to decline.
- Australia's trade deficit improvement was short lived with the deficit blowing back out in May. The trade deficit widened to $2.2bn ahead of expectations of $1.7bn while the previous months $1.6bn was revised up to show a $1.8bn deficit.
- After solid increases in March and April, building approvals fell heavily in May, down 5.2% from the previous month. The annual pace of building approvals slumped to be 9.1% lower that 12 months ago as a result.
- Motor vehicle sales continued to decline in May with total sales down 1.1% from the previous month. Passenger vehicles led the decline in sales while SUV sales rose for the first time in four months.

subset: commoncrawl


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Calling a loan self-liquidating is just a complicated way of saying that it eventually gets paid off. They are very common. For example, the popular 30-year fixed rate mortgage is a self-liquidating loan. While a self-liquidating loan might cost a little bit more than a mortgage with a balloon or a loan with interest-only payments, in the long run it's the best choice for most situations.
Self-Liquidating Mortgage Amortization
Self-liquidating mortgages work by parceling, or amortizing, your money out. Every month, you pay the interest due on the loan and a piece of the principal. Next month, since you owe less money,you pay less interest, which means more of your money goes to the principal. This process continues through the life of the mortgage until you finally make a last payment that contains almost no interest and completely pays off your balance.
Self-Liquidating Loan History
Mortgages were originally interest-only loans that needed to be refinanced every five or so years. After the Great Depression, self-liquidating loans became more prevalent due to support from the Federal Housing Administration and the growth of the savings-and-loan industry. Its popularity waned a bit during the high inflation and interest rates of the early 1980s, but picked back up after interest and inflation rates dropped later in that decade. As of the fourth quarter of 2012, the 30-year fixed rate mortgage, which is self-liquidating, was the most popular type of mortgage in the United States.
Interest Only Loans
With an interest-only mortgage, your monthly payment doesn't have any principal. If you borrow $250,000 on a fixed-rate 5 percent interest-only loan, your payments will be $1,041.67 per month until the loan period ends. When it ends, you'll still owe $250,000 and you'll need a new mortgage. The key benefit of an interest-only loan is the low payment. For comparison, the payment on a 30-year fixed loan of the same size and rate would be $1,342.05.
Balloon Mortgages
Balloon mortgages work like a self-liquidating loan with one key difference: they end before the balance gets paid off, leaving you to refinance. Since the lender is committing to you for less time, you can usually get a lower interest rate with a balloon loan. However, since you pay more interest than principal in the beginning of your loan, you could have a longer payback period. For example, with a 10-year balloon loan with an amortization schedule, you'll pay about 19 percent of the loan's balance, even though 10 years is 33 percent of the life of a 30-year loan. When you refinance the balloon, you'll have to start again.
- Repayment vs. Interest-Only Mortgage
- How Soon Will My Mortgage Be Paid Off?
- Straightline Vs. Mortgage Style Amortization
- Can You Pay off a 30-Year Mortgage Sooner by Making Bigger Payments?
- How to Figure Interest Rates on Mortgages
- How Long Will It Take to Pay Off a Mortgage?
- What Are the Two Primary Classifications of a Mortgage Loan?
- How to Calculate the True Cost of a Mortgage


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The challenge for 2011: The Tour de Provence, a serie of 5 or 8 stages with 16 famous cols. Top cyclists climbed those mountains. And now it is your turn!
The Tour de Provence is conducted in cooperation with Corps Energy Centre in Castellane. CEC is the ideal starting point for each stage, and after an exciting day you can enjoy a soignage with an effective sports massage, a rejuvenating hydro-massage or just relax in a coloured jacuzzi. Make sure you stay in shape with the help of the staff at www.corps-energy-centre.com, the best wellness centre in the heart of Castellane.


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1 cup all-purpose flour
1 cup yellow cornmeal
½ teaspoon baking soda
½ teaspoon salt
1 cup buttermilk
⅓ cup unsalted butter, melted
½ cup honey
2 large eggs
1 ear of corn, cooked and kernels removed from cob
2 jalapenos, seeded and diced
¼ cup shredded cheddar cheese
Preheat oven to 375 F. Lightly coat a 12-cup muffin tin with nonstick spray and set aside.
In a large bowl, combine flour, cornmeal, baking soda and salt.
In a medium bowl whisk together buttermilk, butter, eggs and honey. Pour mixture over dry ingredients and stir using a rubber spatula just until moist. Add jalapenos, corn, and cheese, and gently stir to combine.
Scoop the batter evenly into the muffin tray. Bake for 15-17 minutes or until a tester inserted in the center comes out clean. Remove and let cool on a wire rack.
Serves 12


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Welcome to Mrs. Sledge's Website
Art Classroom Rules and Procedures
Art Club
6th Grade Art
6th Grade Assignments
7th Grade Art
7th Grade Assignments
8th Grade Art
8th Grade Assignments
"I found I could say things with color and shapes that I couldn't say in any other way -- things I had no words for."
----Georgia O'Keefe
Email me
Schoology Link for parents
Schoology link for students
Questions, concerns, comments? Please Email Me at firstname.lastname@example.com
the Arts Teach
B y E l l i o t E i s n e r w w w . a r t e d u c a t o r s . o r g
. The arts teach children to make GOOD JUDGMENTS about qualitative relationships.
Unlike much of the curriculum in which correct
answers and rules prevail, in the arts, it is
judgment rather than rules that prevail.
The arts teach children that problems can have MORE than ONE solution
and that questions can
have more than one answer.
he arts celebrate multiple PERSPECTIVES.
.One of their large lessons is that there are many ways to SEE and INTERPRET the world.
The arts teach children that in complex forms of problem solving, purposes are seldom fixed, but change with
circumstance and opportunity.
The arts teach students that SMALL DIFFERENCES can have LARGE EFFECTS. The arts traffic in subtleties.
he arts teach students to think through and within a material.
All art forms employ some means through which IMAGE become REAL.
7. The ARTS ENABLE us to have EXPERIENCE we can have from no other source and through such experience to
DISCOVER the range and variety of what we are capable of FEELING.
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Art Classroom Rules and Procedures
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6th Grade Art
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Before I ever had a job, I worked in a cubicle.
When I was 15 I started to volunteer at the Alzheimer's Association, a non-profit that focuses on the care and support of those impacted by brain dementia. A few times a week during my summer vacations, I worked with the Events Team to organize the biggest fundraiser of the year, The Walk To End Alzheimer's.
Although I was managing paperwork, engaging with clients, and dealing with partners just like everyone else in the office, I was unpaid. To a lot of my peers, this seemed incredibly unusual. While I watched my friends play outdoors in the sun by the beach, I threw on my business casual attire and sat through traffic to go to work…for free.
I can't deny that there were some days where I was longing to be like the average teen, basking in three months without responsibilities. But now that I look back, I don't regret a minute of it. I kept going because it was the most rewarding thing that I had done all of my life.
My dad passed away due to early onset Alzheimer's disease when I was 16. He was just 49 years old. I spent my early teenage years acting as a caretaker for him alongside my mom and older brother as his brain deteriorated. I have a personal connection to Alzheimer's that will stay true my whole life. Watching my dad fall ill gave me a pain in my heart that words can't describe. I used volunteer service to channel my grief into something productive. The work that I did made me feel like I was honoring my dad. I wanted to do my part to make sure that no one else would have to go through what my family went through.
While these emotional benefits were what kept me moving, something that I didn't realize until I entered the paid workforce was how my experience volunteering would impact my work life. My volunteerism changed the way that I looked at "work".
I came into the office not because I had to but instead because I wanted to. I genuinely enjoyed working. When I volunteered, it couldn't be about the paycheck or the promotion; it was instead about the passion behind the work. My experience working for want trained me to want to work. Working gave me goals and aspirations, challenging me to learn and grow. It left me feeling accomplished and rewarded. What mattered most was that I enjoyed what I was doing and that it made me enthusiastic.
The most valuable thing that you can donate is your time. There will always be a way to get involved in something interesting regardless of how much experience you have with the topic at hand. Even if you only have minimal time to give, the gain from that engagement is multifaceted. Giving to your community will give back to you by building your knowledge and wisdom, helping you to succeed not only in your personal life but also in the workplace.
Now, at 19, I am still volunteering with the Alzheimer's Association. Although I'm instead spending my summer vacation interning at Weber Marketing Group, I'm not choosing between paid and unpaid work. Instead, I'm letting each embrace the other.
I am now part of the Board of Directors for The Washington State and Northern Idaho Chapter of the Alzheimer's Association. The knowledge that I've gained here at Weber Marketing has helped me with my contribution as a director. I'm able to engage in conversations regarding target audience and help brainstorm around web advertising issues. When I walk into board meetings, I feel exponentially more confident with my knowledge from this internship under my belt.
Alternatively, I am able to apply this sense of dedicated passion to my duties at Weber. Even though I am simply an intern, I put my all into the things I do. I want to dive into every project headfirst. Instead of dreading work, I find myself excited to engage and energized enough to work efficiently and effectively every day. One of the great things about this office is that I know that it isn't just me.
Even a simple search of the blog posts on Weber Marketing's webpage shows the company's value of the intersection between working and living. There are numerous blogs written by employees about culture showcased online. With mentions of animal shelter activism, sports passions, charity challenges, donation collections and more, it is obvious how much Weber Marketing values the happiness and involvement of their workers.
In turn, this culture can be felt in the office. This respect for extracurricular activities helps build a sense of community and activates a positive feedback loop. Volunteering does not only aid your energy in the office but also your coworkers' energy. Ambition is contagious. This morale spreads as employees help to support the causes their coworkers are spirited about. The result of all of this support is increased company loyalty and a feeling of office unity.
Evidently, there is a shift toward a positive office atmosphere when you involve yourself in extracurricular activity. Getting involved in things you are passionate about can build both personal and work life satisfaction. My experiences with both the Alzheimer's Association and Weber Marketing have helped me apply this concept and generate a feeling of fulfillment when working.
As I move from cubicle to cubicle (or hopefully from cubicle to a grand office with a view) throughout my career, I will carry this sensation with me. I will always be an advocate for volunteerism. Work life happiness and success is multiplied when you expose yourself to new things and hold a willingness to learn. Extracurricular activities are an easy way to give yourself this benefit and also better your community. Why not get involved?
Shameless plug: Start getting involved today! Click here to visit my fundraising page for the "Walk to End Alzheimer's." All donations are greatly appreciated.


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Environmental Statement
We are committed to minimizing our impact on the environment and our carbon footprint. Constant review of our procedures, materials and chemical use happens both internally and with our suppliers. If a better alternative becomes available we change to environmentally improved processes or chemicals.
Our HP Indigo Digital Offset Press has further enhanced our environmental credentials as this press provides significant environmental benefits over conventional print methods:
- Environmentally Cleanest Printing Method
- Lower electricity consumption
- No Film or Plates
- Minimal wastage of stock/inks with press make-ready


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On the Horizon: A Lab Test for Chronic Fatigue Syndrome?
Researchers from Stanford University in California are working to develop a diagnostic laboratory test for chronic fatigue syndrome (CFS) and a first-ever treatment for the condition.
People with chronic fatigue syndrome—also called myalgic encephalomyelitis/chronic fatigue syndrome, or ME/CFS—experience profound exhaustion not alleviated with sleep, flu-like symptoms, muscle pain, "brain fog," and other symptoms that typically worsen with even minor exertion. Chronic fatigue syndrome affects more than a million people in the United States and is difficult to diagnose.
In a recent study published in Proceedings of the National Academy of Sciences, researchers developed a new approach to search for biological markers for CFS focusing on a grading system rather than a positive/negative result. The study involved 192 ME/CFS patients and 392 healthy controls.
According to researchers, levels of 17 markers (called cytokines) varied dramatically between people with mild and severe symptoms of CFS, suggesting chronic inflammation plays a key role in the syndrome. Based on these findings, the researchers are developing a new test for CFS, as well as new treatment options, possibly including immune-modifying and anti-inflammatory therapies.


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PYWA would like to invite you to the Youth Ministry Academy conference January 24-26, 2019 at Montreat!
All PYWA members receive a discount upon registration.*
You can find out more information here.
*see members page for discount code
In partnership with PYWA (Presbyterian Youth Workers Association), NEXT Church welcomes those who work with youth to the National Gathering. We are grateful for your ministry with youth and look forward to your presence in Seattle. Here are some things to look forward to this year.
In plenary on Tuesday, we will hear from two people working with youth in innovative and justice-minded ways. Suzzanne Lacey will talk about an experiential approach to justice education with youth and Corey Greaves will talk about ministry with and for Native Americans in the Pacific NW.
Monday, 9:00-9:45am
Seattle First Presbyterian Church
Join the PWYA for coffee and donuts on Monday morning. Meet other youth workers and hear about ways to connect during the National Gathering.
Monday, 5:30-7:30pm
The Lodge Sports Grille Downtown (1102 4th Ave)
We are partnering up with the folks at Montreat to bring you this Happy Hour! Come grab a drink and connect with others who work with and love youth. All are welcome.
Tuesday, 2:30pm
Location TBD
Join other youth leaders to discuss what you are hearing at the National Gathering through the lens of youth ministry.
Click here for more information and to register
PYWA is proud to announce our newest partnership with MLP!
Members can visit to the Member Discounts page for more information.
Our 2018–2019 Membership Campaign is in full swing!
Top Five Reasons to Join PYWA
We'll save you time by sending e-blasts that will make your job easier.
Youth ministry is changing rapidly. We're here to help you navigate it.
We need each other.


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Smart Ideas: Options Revisited
How to Have a Great Home Business Home biz Joe whose actual name is Joe Bulik is the father or all the full-time internet marketers , all home business consultant, the vice president of all ventures in progress and he conducts all of his own stunts. Home biz Joe is the successful owner of all internet business that allows him to work from the comfort of his home. Home biz Joe has taken the responsibility of training people on how to come up with dynamic business just by the use of a computer and internet. He has also taken the responsibility of mentoring, coaching, and teaching any business marketers who are frustrated and assist them in becoming successful in their online businesses. Home biz Joe believes in the myth that it is difficult to start an online business and start making money. A site can only take a few hours to create and you can earn money with it for years. You can create your own site and start making money through the online platform and this is an advice given by Home biz Joe. There are certain things to consider when you are creating your own site for the first time or you have an experience in the website creation. The first thing to consider is how you intend to start making money from the site. You are ahead of the game if you have the answer to this question. For those who don't have an idea of how they will be making money online Home biz Joe has given a few options you can choose from. The first thing you can choose from is creating a blog site which suits the area for your interest where you can add them to the Google's AdSence and you will earn money when people click on the advertisement from your site. You can consider selling advertisement spaces from your site as the second option. Beginners can use the third option which is the affiliate programme. If you choose to use the affiliate programme you will be will be adding your advertisements on your site from a company that will be acting as the middlemen between you and the company you intend to be advertising for.
A Brief Rundown of Jobs
You can choose to offer digital products like those used in the ClickBank as your fourth option. On the Clickbank site you will place a specific link that will direct the visitor to the sale site once they click on it. Cost Per Action is the fifth option that can be used to make money online. There are so many ways you can make money online you are the one to make the right choice.5 Uses For Opportunities


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This is excellent. It's streaming on Amazon Prime, I love it.
― kornrulez6969, Friday, 2 September 2016 19:55 (two years ago) Permalink
Just tried this out. Couldn't make it past track 2. Just too much singing and the music isn't my cup of tea. I guess I was expecting something like Julia Holter or Laura Groves, both musicians I really enjoy. Maybe when I just want a generic rock record with female vocals i'll try it again.
― brotherlovesdub, Friday, 2 September 2016 23:05 (two years ago) Permalink
Sounds way better than the last one (which I was mostly lukewarm on, a few songs aside), based on one listen.
― spastic heritage, Saturday, 3 September 2016 00:01 (two years ago) Permalink
this still seems like mildly tasty layers of style (vibrato-laden ethereal vocals, lynchian guitar chords) laid over pretty weak songs
(sort of like lana del rey, actually)
― wizzz! (amateurist), Saturday, 3 September 2016 00:29 (two years ago) Permalink
pretty weak might be too strong. just... mediocre.
― wizzz! (amateurist), Saturday, 3 September 2016 00:31 (two years ago) Permalink
the songs on ultraviolence are tight
― who is extremely unqualified to review this pop album (BradNelson), Saturday, 3 September 2016 01:31 (two years ago) Permalink
it's too bad Olsen threw a bi of shade at LDR recently cause she could make good dough writing her some songs
― a serious and fascinating fartist (Simon H.), Saturday, 3 September 2016 01:45 (two years ago) Permalink
I'm glad I'm not the only person who was reminded of Ms. del Rey at times
― Tell me who sends these infamous .gifs (bernard snowy), Saturday, 3 September 2016 02:42 (two years ago) Permalink
Was not a fan of her last record but Sister in particular is just insanely great. Just has this intensity to it that I'm totally captivated by. Intern and Woman are also incredible.
― octobeard, Saturday, 3 September 2016 03:06 (two years ago) Permalink
yeah this grabbed me pretty quickly on one distracted listen, i tried and tried with the last one and it never hit home. picking up a physical copy and i'll dig into it more after that.
― call all destroyer, Saturday, 3 September 2016 03:08 (two years ago) Permalink
i don't hear any similarities to LDR
― j. winters (josh), Saturday, 3 September 2016 03:52 (two years ago) Permalink
she's changed her singing style to be a lot breathier, is the main thing
― Tell me who sends these infamous .gifs (bernard snowy), Saturday, 3 September 2016 13:19 (two years ago) Permalink
strangely (or not?) this change isnt reflected at all by the singles, so it really jumped out at me on first listen.... *fingers crossed* that this is just a weird creative decision, and not something she resorted to because of vocal strain or w/e
― Tell me who sends these infamous .gifs (bernard snowy), Saturday, 3 September 2016 13:31 (two years ago) Permalink
Heard this playing in a record store yesterday and picked it up. Great album!
― Elvis Telecom, Saturday, 3 September 2016 22:15 (two years ago) Permalink
Her last album was great I do not get all this ho hum talk abt it
― Pull your head on out your hippy haze (upper mississippi sh@kedown), Sunday, 4 September 2016 14:41 (two years ago) Permalink
yeah that was a great record, quite introverted compared to this one, which is also a p hifi record where BYFFNW was lofi
I'm getting Mazzy Star vibes, touches of VU, Jackson Browne, lotsa good stuff
― niels, Sunday, 4 September 2016 16:00 (two years ago) Permalink
I checked this out because 'Sister' was pretty epic. The rest of the album is pretty standard pop/rock. Her voice will take some getting used to — it seems a little too loud in the mix and she does that vibrato-y trembling thing a little too often. But, wow, those two longer tracks on the second half are really fantastic.
― Austin, Sunday, 4 September 2016 20:38 (two years ago) Permalink
Let's "don't care what the papers say" (Intern) //
The critical reception of this confuses me: To my ears what we have here is something bland and seriously uninteresting. Musically an unremarkable re-hash of synth-pop ideas (Human League et al.) with the odd dash of an anodyne version of Siouxsie (think cavernous production, think big, think EMA), until the ballads set in. It is all held together by a voice that makes me cringe: Once you have encountered Angel Olsen's dreadful melisma "Ti-Hi-Hime" bang at the beginning of "Shut Up Kiss Me" you discover genuine sophistication in "I wanna hold you ha-ha-ha-ha-hand". Or am I missing the point which is: "Kiss me, unless you want me to carry on with this."? A forgettable album, one of those myriads that do not require my attention. One could leave it that, but metacritic assembles evidence that critics find something in this that completely eludes me: A current score of 89 for this (including Pitchfork, but you know, their judgment is shakey from time to time; allmusic; The Guardian; The New York Times; Chicago Herald – blimey!) certainly is something to write home about, but according to metacritic people at home will know anyway. Music for men who cannot get enough of the cocaine sheen in the yearning of Stevie Nicks!There is a passage brimming with humour in "Sister", when she sings: "And all this blessing was a curse / before I opened up my ..." and who would not expect "purse"? However, it turns out, it was her "heart" that the singer opened at that point – a case of thoroughly defying expectations.Laura Marling, Julia Holter, Courtney Barnett, Elza Soares, Serafina Steer, Cat Power, Eileen Jewell – they all go to show that the world is not deplete of interesting young and moving female voices producing exciting music.
― Austin, Tuesday, 6 September 2016 03:51 (two years ago) Permalink
― j. winters (josh), Tuesday, 6 September 2016 04:04 (two years ago) Permalink
what is even going on there. reads like someone improvising a review during their first listen of the record
― who is extremely unqualified to review this pop album (BradNelson), Tuesday, 6 September 2016 04:22 (two years ago) Permalink
Two stars.
And I seriously doubt any actual listening to the album took place.
― Austin, Tuesday, 6 September 2016 05:13 (two years ago) Permalink
Laura Marling, Julia Holter, Courtney Barnett, Elza Soares, Serafina Steer, Cat Power, Eileen Jewell – they all go to show that the world is not deplete of interesting young and moving female voices producing exciting music.
Elza Soares is 79.
― Matt DC, Tuesday, 6 September 2016 08:56 (two years ago) Permalink
i agree that this was a two-star album review
― j. winters (josh), Tuesday, 6 September 2016 13:57 (two years ago) Permalink
Here's an overwritten try-hard metacritic user review to counter that:
IanJWaltersSep 2, 201610Confidently confused, unabashedly devoted to her feelings, she esteems intuition as a goddess worth building an altar for, it seems, instead of just burning a fire. These songs rock and roll. "I dare you to understand what makes me a woman," she croons, at first, then belts the last syllable, stretching it all the way around the earth. Challenge accepted.
― Evan, Tuesday, 6 September 2016 14:55 (two years ago) Permalink
Her interview in Rookie goes into her apprehension wrt critics -- pretty interesting, would recommend
― weird woman in a bar (La Lechera), Tuesday, 6 September 2016 14:58 (two years ago) Permalink
The thirst is real in that "review."
― Austin, Tuesday, 6 September 2016 17:52 (two years ago) Permalink
Anyone else enamoured by the direction the album takes from "Heart Shaped Face" onwards? Settles into a nice groove with some top tier Olsen tracks ("Sister" and "Woman").
― Ross, Monday, 12 September 2016 04:05 (two years ago) Permalink
― rip van wanko, Monday, 12 September 2016 04:31 (two years ago) Permalink
holy fuck if you have any interest in her music whatsoever you really don't want to miss this tour
― reggie (qualmsley), Monday, 19 September 2016 05:15 (two years ago) Permalink
Yeah she was great
― Gukbe, Tuesday, 20 September 2016 02:20 (two years ago) Permalink
this album sounds good and the lyrics are good and it is good.
― Treeship, Tuesday, 20 September 2016 02:46 (two years ago) Permalink
i've heard amazing things about the tour as well.
the "review" austin quoted, while just a single paragraph, felt like enduring an illness. i feel like i've read so many pieces over the years that were basically that: haughty, dismissive, sexist, judging an album by some prefab criteria that the author has just made up but for some reason considers inviolable law.
― Treeship, Tuesday, 20 September 2016 02:49 (two years ago) Permalink
guess she has paul sukeena playing guitar in her band now (from spacin, steve gunn, solar motel band). that will add some firepower to the live show for sure.
― tylerw, Tuesday, 20 September 2016 15:15 (two years ago) Permalink
it's like prime dylan and the band at this point. she is straight up killing it
― reggie (qualmsley), Tuesday, 20 September 2016 17:34 (two years ago) Permalink
Quick listens haven't wowed me but will give her another chance. She's getting so much favorable attention
― curmudgeon, Wednesday, 21 September 2016 12:47 (two years ago) Permalink
― reggie (qualmsley), Tuesday, September 20, 2016 1:34 PM (yesterday) Bookmark Flag Post Permalink
OK, let's all just calm down now
― Wimmels, Wednesday, 21 September 2016 12:53 (two years ago) Permalink
i'm not even kidding. she is a rolling thunder revue force of nature. she might have the most powerful singing voice i've ever heard. don't miss this!
― reggie (qualmsley), Wednesday, 21 September 2016 13:52 (two years ago) Permalink
i'm so excited to see her tonight!
― maura, Wednesday, 21 September 2016 16:12 (two years ago) Permalink
ahhh apparently she is playing burlington tomorrow night and there are still tickets but i have several big work projects due friday :(((((
― jason waterfalls (gbx), Wednesday, 21 September 2016 16:14 (two years ago) Permalink
Get them done early & celebrate w Angel & friends!!
― weird woman in a bar (La Lechera), Wednesday, 21 September 2016 16:32 (two years ago) Permalink
she might have the most powerful singing voice i've ever heard
on some songs her breathy vocals and melodies are too npr-tiny desk-Bob Boilen generic rock for me
― curmudgeon, Thursday, 22 September 2016 14:16 (two years ago) Permalink
My Woman is super great; I liked it since I first heard it but every time I come back to it (which happens with increasing frequency) I like it more.
― thos beads (jamescobo), Friday, 23 September 2016 23:27 (two years ago) Permalink
Just figured out that her backup singer on this album/tour is Heather McEntire of Mount Moriah, who are really good in their own right.
― El Tuomasbot (milo z), Friday, 23 June 2017 06:34 (one year ago) Permalink
Maybe my expectations were too high but still reckon Burn Your Fire is way better than last record. Just seems more consistent overall - the last one was OK with a few great songs sprinkled through. It does sound more like a carefully considered breakout type record I suppose which i guess the evidence would suggest it was - increasing her profile and audience so thats great and all. Just like the other one better.
― clouds (peanutbuttereverysingleday), Friday, 23 June 2017 12:03 (one year ago) Permalink
Boo, My Woman is so obviously superior in every aspect.
― Austin, Friday, 23 June 2017 17:50 (one year ago) Permalink
― j., Friday, 23 June 2017 17:52 (one year ago) Permalink
I prefer Burn as well, but My Woman has some songs that rival anything on Burn IMO "Sister", "My Woman" and "Heart Shaped Face"
― Unchanging Window (Ross), Friday, 23 June 2017 18:06 (one year ago) Permalink
Burn hands down. My Woman has some crazy highs though.
― Evan R, Friday, 23 June 2017 20:35 (one year ago) Permalink
my woman is a great record
― marcos, Wednesday, 19 July 2017 16:51 (one year ago) Permalink
"sister"! wow
― marcos, Wednesday, 19 July 2017 16:59 (one year ago) Permalink