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An umbrella stand gives the end user a defined place to stash a collection of umbrellas (rather than having them just shoved into a closet somewhere) as well as a place to put an umbrella when coming in from the rain. As I've noted before, there are many ways designers have approached creating such a simple item.
The Brik from Pedrali is made from rotomolded polyethylene, which makes it suitable for both outdoor and indoor use. Unlike many other umbrella stands, it has separate, somewhat tall compartments for each umbrella. With this design, each umbrella must be folded up before being stored—there's no option to keep it open to facilitate drying. On the other hand, since the umbrellas will never touch, a damp one will not get others wet. The Brik will only work for full-size umbrellas; there's no accommodation for compact collapsible umbrellas.
The Rain Bowl, designed by Sebastian Bergne and manufactured by Driade, is another product that doesn't accommodate compact umbrellas. But it's an interesting design; the umbrella tips go into the individual holes and the rainwater drains into the center bowl. I can see my cats wanting to drink from that center bowl, if enough water drains into it; hopefully they wouldn't disturb the umbrellas.
Of course, there's no way to drain that center bowl except to take the whole thing and dump it out—but the umbrella tips aren't sitting in water, which will be nice when the end user goes to pull one out. The rain bowl is made of cast aluminum.
The Vide umbrella stand from Incipit has a interesting way of handling compact umbrellas; it comes with a wooden accessory which fits into one of the holes and provides a place for the umbrellas to hang.
The Vide was designed by Paolo Monaco and Laura Pessoni. It has a glazed ceramic top and a concrete base. That concrete base should give it more heft and make it more tip-resistant.
The Splash Square umbrella stand from +d was designed by Yasuhiro Asano. It's another umbrella stand with individual compartments. But this design holds either nine standard umbrellas or five standard umbrellas and one compact folding umbrella.
This design fits a large number of umbrellas into a small space. It would seem likely to have stability issues, but maybe having a compact umbrella down low helps with that. It's made from synthetic rubber.
The Waiting umbrella stand from Atipico, designed by Federico Angi, is a simple design made from powder coated steel with a concrete base. It doesn't handle folding umbrellas, but it would be good for those looking for a super-easy storage solution for standard umbrellas—no fussing with getting the tip in the right spot.
The Hub umbrella stand from Umbra, designed by Jordan Murphy, has two hooks on the metal rim for hanging collapsible umbrellas. The base is made from water-resistant resin.
One possible design (or manufacturing) problem: One purchaser noted that "there was some splitting in the wood, as screws were tightened when putting it together."
The Alfred umbrella stand from DesignByThem (designed by Seaton Mckeon, Nicholas Karlovasitis and Sarah Gibson) has an interior shelf, making it very easy to store both standard and collapsible umbrellas.
It's made of powder coated aluminum, and the company says it's suitable for outdoor use (as well as interior).
The Via from Mox, designed by Charles O. Job, also accommodates all umbrella sizes, with a front pocket for shorter umbrellas.
It's also one of the umbrella stands that can readily accommodate an umbrella that's left unfolded to dry off.
Because floor space is often at a premium, I'm always interested in wall-mounted products. The Sou umbrella stand from Systemtronic, designed by Tomoya Tabucchi, comes in both a standing and a wall-mounted version.
There are three painted steel panels and two removable containers to hold the umbrellas and pick up any water. The container in front is located halfway up the panel, so it holds small umbrellas; the one back is lower for standard size umbrellas.
And for those end users with a metal surface handy, someone thought to design these simple magnetic umbrella holders. One purchaser noted that the magnets slipped a bit; magnet strength is certainly a design consideration for a product like this.
Many modern desks don't have drawers—and even if they do, some people might prefer to have frequently used items sitting out on the desktop. I've written about desk organizers before, but I keep seeing more that catch my eye. The One Piece from Yuue comes in three variations, each with
When kitchen space is limited, it helps to have kitchen items that take as little space as feasible. Items that stack or nest can minimize the necessary storage space. Pots and pans with detachable handles can nest well, but even those with handles can nest if the design is good.
When space is limited (and even when it's not), wall-mounted organizers are often useful tools. Wall space provides many organizing options: hooks and shelves, of course, but also an array of other designs. The Aitio collection from Iittala, designed by Cecilie Manz, provides storage for all sorts of things.
I've long been aware of Poppin's office furniture and supplies, since so many of the products are organizing-related: file cabinets, staplers, pen holders and much more. So when I learned Poppin had teamed up with the Rochester Institute of Technology for its Metaproject—an industrial design senior project—I was intrigued and
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Wednesday, 8 August 2012
I wrote yesterday,
I found two interesting things yesterday morning,
"When someone asks you to walk with him/her for a mile, do it for two miles instead... Who knows what will happen along the way n what will impact your life during the journey."
"When you can hate someone by any reason at all, be the exceptional to impact lives by compromising, let go of hatred and forgive... Be kind n put your best effort in building relationship to others as a service n contribution to life."
How can I relate these two things into something that actually able to influence my life in a positive way, and perhaps, able to impact other people's lives too. The first thing was shared by Gaylord, one of the speakers of "Entrepreneurship with Purposes" Training. Well, I continued the statement with what was the possibility that might appear after we do something 'more' as explained by Gaylord.
I'm extremely blessed by Gaylord's story about a man, Fred Share. It is amazing to know that a simple Mail Man called Fred Shaw could actually do something to many people in a very simple and sincere way. Not many still use real mails to send letters, mails nowadays is related to sending things instead of letters; meanwhile, there are many chain supply companies that actually provide the same services. In short, what Fred does for a living is certainly not a popular thing! No high education level is required to be mail men, as long as we can read properly, have a healthy physical condition, able to coordinate addresses and willing to walk or drive here or there; any of us can be a mail man. So, by this fact, when everyone can be a mail man, is this occupation is an un-important job?
And Gaylord stated:
"There's no un-important job while many people think that they do something un-important!"
I was thinking the moment Gaylord mentioned that statement, and it has given me the peace of mind upon some things that actually happened in my life recently. What have been said by Gaylord kind of giving me the motivation to break in and walk through a wondrous wilderness of uncertainty an extra mile away; and this has given me the courage to make a decision upon something that I fear for quite sometimes; which is meeting someone that had caused quite big un-comprehendible issues in my life.
One of my dearest friends, Charles; calls me 'Blessing Lisa'.
I don't really know why he chose that nick name for me, I was quite hard to him during his most difficult times, I even pretended to look at the other way around when he needed me the most by giving me him the terms and conditions on what he should do in order to talk to him as friends that we used to be. And that action didn't make Charles to leave me as a friend of changed my name into: "Dreadful Lisa'. Instead, Charles kept on reaching me and tried to show me that he was, he still is and he will always be a good friend with one understanding:
'She was being so hard on me because she wanted me to stand up and move on with my life without any regrets and let go of the pain within me...'
And by this, I believe that Charles has forgiven me for some of the actions that I applied upon our friendship, and unconsciously, Charles has also taught me about a different form of forgiveness related to the visions, missions, objectives and plans in our lives. In Short, we both blessed by problem occurred in our lives, we both blessed by our disagreements and we both blessed by the different paths that we had taken in which, eventually, it had led us to the same destination! And away from our awareness, both of Charles and I had taken an extra mile in sharing and giving to each other.
So, get the picture now?
Going the extra mile is strongly related to forgiveness. Maybe for some situations it will be just accompanying someone in getting through something, but have you ever think about something that you might learn along the way?
And this is a real life, my friend... Most of the times, bad things, unfair things or perhaps unpleasant events actually occur in our lives or those who walks with us along the way. And it's quite normal if most of us would say or think, "It's none of my concern", but I have learned that by a simple and small sincere caring, we can create a beyond compare outcome. It may give better impact to someone's life or even ours!
Developing something in our lives requires us to communicate, interact and relate properly with every aspects in our lives. Not many people think that this can impact our lives so much, how we see our perspective, how we coordinate our priorities, or maybe, how we solve problems in our lives?
Communicate in a positive way leads us to better understandings, interact in a positive way leads us to better solutions and by maintaining relationship in a good and positive way, it will improve the quality of every aspects in our lives both personally and professionally.
By this, I truly have come to the understanding that by giving a little bit more, putting a greater effort into something in which is 'going an extra mile'; combined with the positive mind set and the attitude by possessing the sincere 'forgiveness' behaviour, we can build better communications to interact in a healthy way in order to maintain our relationship with our loved ones, friends, family, colleagues or even our business partners. A very inspiring statement, 'simple things are great and great things are simple' is so easy to comprehend when we see things in our lives through positive perspectives, apply it into our lives in a positive way and share it to our surrounding in a very positive way too. Hopefully, we can do more, share more and dare to inspire more through simple ways in our lives to actually improve our inner quality and values, strengthen our integrity and enrich our sensitivity to our surrounding.
In the end, I wish us all to dare to 'go an extra mile' and share more 'forgiveness' in our lives; and hopefully, we all can be this positive energy, the positive 'cancer' that inspire and multiply people's will to do more, to give more to lives, dare to impact more in other people's lives in reaching better things in our lives.
Always with love,
Lisa Fransiska Sitompul
August 8th 2012
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subset: commoncrawl


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Peter Wik has been traveling the world since childhood. He has visited over 60 countries and some of them up to a hundred times. Peter is the owner of Relasian Travel & Event based in Stockholm, Sweden but constantly on the road. Peter is a foodie and loves to try new food around the world. Here he shares his favorite gems from places high and low around the world to make you go local yet being global. Peter lives in Stockholm and Paris.
For contact please visit relasian.com
|The city of Hiroshima is famous for a dish called Okonomiyaki, You can have it in Osaka and in other cities all over Japan as well, but it's origin is from Hiroshima and Osaka. There are many places in Hiroshima to eat this food. It's good value for money and you can have a full meal for under 1000 yen. Okonomiyaki is called a Japanese pancake or a Japanese pizza. I would say that it is not anything like that. It made of egg, flower, cabbage, bacon, sometimes seafood, bonitoflakes and topped with a sweet sauce. It must be tried and a good place to eat this is at Hiroshima Station Building on the 2nd floor of the ASSA shopping center. Here you can find a lot of small Okonomiyaki shops and one of the most famous were people line up is the Reicyan that you can see on the picture. Enyoy your meal!


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Exciting news! My abstract was officially accepted for presentation at this years Lunar Planetary Science Conference in Houston, Texas. So in March it is off to Woods Hole to present a poster on the geologic history of Martian gullies!
I will be posting my abstract as soon as I have the permission from the other three authors and certainly on my other blog I will keep more detailed updates of my research, so if you are interested in the geomorphology of Mars (and really, who wouldn't be?) stop by over there and I'll make sure to keep some fascinating background and cutting edge science up to date as best as I can.
I am interested in seeing the differences between a convention and a conference. This year seems to be the year that I participate in both! Watch out Texas, I just shot a gun for the first time ever and I'll see you in a month!


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The European Disability Forum (EDF) kicked off a campaign this week to further their drive to combat discrimination in all aspects of the lives of people with disabilities. The campaign aims to collect over 1 million signatures from European residents.
If the signature campaign is successful, it will represent a call from European residents to which the European Union may be obliged to respond. According to the draft European Union Constitutional Treaty, a call from 1 million citizens must be responded to.
The EDF campaign runs from 23rd January to 3rd October. On 4th October, the petition will be handed to the European Union and the European Parliament. The handover is timed to coincide with a gathering of people with disabilities, their friends and associates.
Sign the petition and help the UK meet the 160,000 signatures it needs to meet national targets for contributing to the 1 million.


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Dealing with an unexpected illness or a sudden death is incredibly tough. Sadly, for many of us, the shock and heartache of the event itself can be just the start. Often, occurrences like this can put a huge financial strain on individuals and the wider family unit. You can find yourself needing to find thousands of dollars that you hadn't even dreamed of including in your personal budget.
When might you find yourself facing a financial emergency such as this? What should you do if you find yourself in such a situation?
If a spouse, family member, or close friend falls ill, naturally your first – and probably your only – instinct is to dedicate yourself and your time to whatever that person needs. Illness come in many forms. For some people, helping them may mean dedicating yourself to being by their side 24/7, while for others you may simply let them know you're there if you need them.
However, if treatment is required this can add a whole new slant to the illness. Medical bills can quickly stack up and provide a huge financial strain. Even with private medical insurance in addition to Medicare, treatment can prove expensive. If your loved one is in need of urgent treatment as soon as possible, you may even be in a situation where you need to find the money to cover costs upfront.
The death of a loved one is always a distressing time. If there is any comfort to be taken in a person dying following a long-standing illness, it's that they and their families have had some time to both come to terms with what is happening as well as to make a start in organising their affairs. Families of those who die suddenly aren't afforded this opportunity, and as such can often find themselves having to deal with financial uncertainty as well as with their sudden loss.
In 2017, Moneysmart research showed that the average cost of a funeral in Australia can range from $4,000 to as much as $15,000 and even beyond. For some, the $4,000 cost of a simple funeral followed by a cremation can be a lot to bear. If a loved one dies interstate or outside of Australia, bringing them home can be very expensive, before you even think about funeral arrangements and costs. The same is also true for illnesses abroad, particularly if they went on holiday without travel insurance.
When we talk about loved ones getting sick, we're not just talking about humans. Anyone who has ever had a pet will tell you how they quickly become members of the family, and the devastation when they get ill or pass away. Pets becoming ill can be particularly distressing for children, especially if you the child and the pet have grown up together.
Like any other member of our family falling ill, not doing anything to help our pets isn't an option. However, with Moneysmart putting the price of annual veterinary care – such as check-ups and regular treatment – at $400, emergency costs can escalate far beyond this, and it is not uncommon for those with pet insurance to find themselves with care and treatment bills that run into the thousands of dollars.
We know this is much easier said than done, but the most important thing to do when you find yourselves in any of these situations is to stay calm. If you can quickly be at peace with the notion that you might not know where to start, and that there's no expectation actually on you to know, you will find it much easier to take a deep breath and move forward. This is especially true in the case of a sudden death, when you can find yourself having to assume responsibility for all of the affairs of the deceased.
Take your time. Try to stay calm. Write down a list of what you need to do, and call on friends and relatives to help you.
The specific situation you find yourself in will dictate what it is you need to do. For example, if you're dealing with a sudden death, you may find yourself needing to pay bills, gather assets, and even notifying an employer. Depending on the extent to which a person is ill, you could find yourself doing the same things, while in the case of a pet you will at least be able to focus on them and on raising the cash you need to.
Think about:
Your specific situation will dictate how quickly you need to make a decision. To help you through this process, we've listed some of the options you may have available:
Dealing with a financial emergency or a tough personal period is tough in isolation, let alone when one causes the other and you need to deal urgently with both. However, by remaining calm and taking stock of what you need to do, and the options available to help you do it, you will be able to both deal with the financial aspect of the situation while also give your family members – including pets! – the support they need.
Disclaimer: This article contains general comments and recommendations only. This article has been prepared without taking account of your objectives, financial situation or needs. Before taking any action you should consider the appropriateness of the comments made in the article, having regard to your objectives, financial situation and needs. If this article relates to the acquisition, or possible acquisition, of a particular credit product you should obtain and consider the relevant disclosure documents before applying for the product.
Medical Treatement, Payment Options
When looking for a personal loan to cover your medical expenses, it's easy to make mistakes, especially if you're hastily looking for a loan to help you pay an unexpected medical bill, or if you've had a quote for treatment that's thousands of dollars more than you thought it would be but need to act fast.
Here's a look at some of the biggest personal loan mistakes you should avoid when thinking about how to cover your medical costs.
When you want to get something sorted out quickly, it is tempting to just accept the first thing you find or are offered. If you do that when looking for a personal loan for your medical expenses, you may end up repaying thousands of dollars more than you need to or taking out a loan with a company that doesn't really care about you.
Unfortunately, buyer's regret won't count for anything if you have a payment plan that lasts for seven years, and you find a better loan just after the one you accepted hits your bank.
Follow these golden rules for shopping around:
Remember that with MacCredit we provide you with a range of payment plan options to cover the cost of your medical bills, while you can also use MacList to find clinics and doctors near you that provide the treatment you are seeking.
It is easy to check your credit file and ensure that all the information held on it is correct, and if there's any incorrect information held on there, it's quite straightforward to resolve, too.
You should really check your credit file before you apply for any type of credit. Not only do you ensure the information that's in it is correct, but you also can then go and apply for loans with a degree of confidence that you'll be accepted.
Despite the personal loans industry being more heavily regulated than ever before, there are still some lenders out there who offer ridiculous repayment terms that have the potential to put you in difficulty.
Look out for the following:
If you find yourself needing to take out a loan quickly you're more likely to fall into one of these traps, so remain diligent and again, take your time and ask all the questions you need.
Lenders usually take the flak when it comes to not lending responsibly, but it's up to you to be a responsible borrower, too.
With this in mind, you should spend some time putting together your own financial plan so you can understand what you can afford. Think about potential changing circumstances, too. Do you have a variable rate mortgage, for example, and what would the implications be if your mortgage repayments increased? Likewise, if you opt for a variable rate medical loan or payment plan, what tolerance do you have for the payments increasing should interest rates go up?
Remember that irrespective of whether you've borrowed irresponsibly or the lender has lent to you irresponsibly, ultimately it is your credit file and your credit score that will be damaged.
Avoid these common mistakes when it comes to finding a personal medical loan, and you'll find the best plan for you that enables you to save money and enjoy fantastic customer care while being able to undergo the treatment you need.
Disclaimer: This article contains general comments and recommendations only. This article has been prepared without taking account of your objectives, financial situation or needs. Before taking any action you should consider the appropriateness of the comments made in the article, having regard to your objectives, financial situation and needs. If this article relates to the acquisition, or possible acquisition, of a particular credit product you should obtain and consider the relevant disclosure documents before applying for the product.
Payment Options
Whether you are young and have limited credit history, or have a poor credit score due to problems in the past, it may be tempting to ask someone to take out a personal loan on your behalf. It isn't against the law to do this, so it really comes down to the trust between the person who needs the loan and the person who will be taking it out on their behalf, and the arrangement they come to in relation to paying off the loan.
However, taking out a personal loan on behalf of someone can be a risky thing to do. Here are some of the considerations you should make, whether you're the person who needs the loan or the person who will be taking out the loan on behalf of someone else.
Let's say you're the person who has taken the loan out on behalf of someone else, and you then fall out with $10,000 remaining on the loan balance. Unless the other person continues to honour the repayments, you're going to end up liable for this $10,000 yourself. Unfortunately, you can't call up the loan company and say "Actually, I took this loan out for someone else," for them to turn around and say "Thanks for letting us know, don't worry about it!"
One way to avoid this happening is to have a contract written up for the loan repayments, in effect saying that you have given a loan to the other person, so at least you have some form of legal option should you fall out later. Admittedly, asking someone to sign a contract like this isn't easy, as straight away they might think you don't trust them.
Same scenario, but you haven't fallen out this time. Instead, the person who needed the money has lost their job or ended up taking a pay cut, and now they can't afford to repay the loan.
Again, the onus falls on you to repay the loan.
If something has a negative effect on your credit file, it has the potential to have a hugely negative effect on your life in general.
How will taking out a personal loan on behalf of someone else effect your credit file?
While it isn't against the law to take out a personal loan on behalf of someone else, you really need to think carefully before you do it. While it feels great to help someone out, in the long term it could lead to serious problems for all parties.
If you need a personal loan but can't get one, remember that at MacCredit we accept joint loan applications, so if you're a couple you can apply together rather than have one of you take out a loan on behalf of the other.
Apply for your MacCredit payment plan now.
Banks and other finance companies will consider many things when assessing an application for a personal loan. While you're probably used to submitting your details so a lender can run a credit check against your name, in recent years, particularly as regulations around responsible lending have tightened, you will have found yourself entering details of your regular spending so that lenders can get an idea of what you can afford. Prior to having to submit such detail, it was usually enough to simply provide evidence of your income. Alongside the outcome of the credit check, a lender would then make a decision on what they can lend to you, and at what interest rate.
In asking for this information, lenders are looking to determine your debt capacity. How do they do this, and what can you do to work it out for yourself, in order to get an idea of what you can borrow?
When asking for information about your existing expenditure, essentially what lenders are doing is asking you to provide your household budget. If you have already taken the time to plan your own budget, and you know exactly what your incomings and outgoings are, then you will likely already have an idea of what your debt capacity is.
As part of this review, lenders may specifically look at your existing debt repayments and credit commitments. The information you have submitted may also be checked against the information the lender can see when they review your credit report.
While lenders will consider your debt capacity when you have made an application, in many cases, including here at MacCredit, we will seek to determine this, and thus what you can afford, during our initial conversation with you. This not only enables us to determine which loans are affordable for your circumstances, but also to ensure you do not over-expose yourself to debt.
While some consumers can see the submission of certain details as invasive, ultimately when lenders aim to determine debt capacity it is for the benefit of the borrower. While consumers may find it upsetting or annoying that they have been declined for a loan, or told they can only borrow a certain figure, lenders have a responsibility to ensure they lend responsibly, and would be acting negligently if they were to lend money without fully considering each individual's debt capacity.
From a consumer perspective, it means you're not going to find yourself with debts you cannot repay, a scenario which can then lead to your credit history being damaged and an inability to acquire credit in the future.
Determining your debt capacity is simple. All you need to do is plan your budget and work out what you have left as disposable income from all your incomings and outgoings. You can then work out how much of that disposable income can be used for repaying debts. Remember that you will need to consider how much you are paying out for current debt repayments within this. Please note that lenders may make a decision not to lend to you, even if you feel as if your debt capacity allows you to take on more debt and continue to meet your repayment obligations.
You can also enhance your debt capacity by sharing your financial obligations with your partner. When asking for your outgoings, lenders will ask about what you are personally responsible for, and how much you are paying out. If mortgage payments, electricity bills, and your other living expenses are split between two, this will reduce your individual personal outgoings and so enhance your own debt capacity. Doing this may make it easier for a lender to approve a credit application, subject to your credit status.
The amount you can borrow for a payment plan will be determined by your credit file as well as your debt capacity. Work out how much you can afford to repay yourself prior to applying, and you may have a better idea of the type of loans you can apply for, how much you can borrow, and the length of loan term you will be able to access.
If you are looking to take out a payment plan to cover medical expenses, MacCredit can help you identify what is affordable for you as well as find a plan to suit your circumstances. Call us today on 1300 884 355 to discuss your options.
If you ever see a loan advertised as interest free, it is understandable that you would find such deals attractive. While these loans might seem attractive at face value, and generate a lot of interest and enquirers from customers, is there really such a thing as an interest free loan?
While an interest free loan might well be interest free in terms of interest applied to the overall loan balance, you're going to pay for the loan somehow. Loans that are advertised as 'interest free' will usually have a 'merchant fee' applied, which you repay along with your loan balance each month. In such cases, the interest rate equivalent will have been built into the so-called merchant fee, meaning the finance element itself is not actually free.
In comparison, loans that aren't 'interest free' may still have different fees and charges that are applied, however these will be built into the actual comparison rate you are given when you apply for and accept the loan.
Another potential problem with 'interest free' loans is that they can be inflexible regarding making additional payments or repaying the loan off in full earlier than the loan schedule. This is a common source of additional fees with such loans, and can quickly mean you would have been better off accepting a regular loan, even if the interest rate seemed unattractive at first.
Let's now take a loan advertised as interest free and a loan advertised with an interest rate and show you how to compare the two as you try to make a decision.
Some loan providers might provide a lower merchant fee upfront but then lock you into additional charges throughout the loan term, thus increasing their earnings from your account.
The main thing to remember with this example is that, in most cases, loans such as that shown in loan A will include all administration fees and charges within the actual comparison rate. The only additional charges you are likely to incur with such loans is if you have to pay an extra fee should you want to make an extra payment or repay the loan in full. However, those charges will still apply in the example of loan B.
To get a further idea of how companies offering loans such as B above are charging you, speak with lenders you are considering applying for a loan with and asking about their fees and charges schedule. They will then explain how these are absorbed into the actual comparison rate but also provide a specific breakdown of what you're paying for.
As well as loans, credit cards, store purchases, and other types of credit are often advertised and packaged as being interest free.
In these cases, interest free usually only applies for a specific promotional period. After the promotional period has ended, interest will be applied, and the rate will often be much higher to compensate for the 0% rate earlier. Some credit cards and store cards even offer deals where you don't have to pay anything for a specific period of time, alongside a 0% interest deal. For example, you could open a new credit card that is advertised as 0% interest for six months, as well as pay nothing for six months. If you aren't switched on when it comes to managing your finances, you might look at this and think you can save a fortune by not repaying anything over six months. However, after six months the high interest rate is suddenly going to kick in, and you'll have missed the opportunity to clear your balance before this happens.
As with personal loans that are 'interest free,' such products will usually also have an additional schedule of high charges and fees, and be very inflexible, as a counterbalance for no interest being applied.
Ensure You Aren't Caught Out
We understand how easy it is to be taken in by attractive looking offers such as 'interest free,' be it on a loan, a credit card, or any other type of finance or credit product. However, by looking closer at what is being offered, you will usually identify that the 'interest free' deal could end up costing you a lot more than if you just chose a product that applies a regular interest rate. The only exception would be if you use a 0% credit card and ensure the balance is cleared before the end of the promotional period, however you would need to make sure you are set up to manage your finances well to ensure you don't get caught out with these.
If you are considering a MacCredit personal medical loan and want to know how much of your interest rate is made up of administrative fees and charges, call us now on 1300 884 355.
Credit Reports, Payment Options
When looking for a payment plan, whether it is for a medical loan with MacCredit or you are looking for finance for another purpose, there are several things to consider. Probably the most important from your perspective is whether the plan you are looking at is affordable. Finance providers usually advertise their deals in terms of interest rates, so it can be difficult to understand what really is affordable for your circumstances.
What might appear to be the cheapest deal will not always be the most affordable. The key thing to consider with affordability is that it is specific to your circumstances. Finance companies advertise their cheapest or best deal to everyone, simply because they would need an individual advert for each potential customer were they to look at affordability.
As advertising by finance companies can make their products seem inflexible, you might easily be put off by an advert stating example repayment amounts that are way beyond your means. However, the example rates provided do not need to prove a barrier to you accessing finance.
Affordability is simply the weekly (or fortnightly or monthly, depending on the terms of your payment plan) figure that your circumstances mean you can afford to repay. What is affordable is therefore unique for each individual when they are seeking a payment plan. Just because a specific deal seems attractive or is affordable to one person, this doesn't necessarily mean it will be attractive or affordable for all. You can work out what is affordable for you by taking some time to plan your personal or household budget, and coming up with your disposable income figure.
Once you know the figure that you could afford to comfortably repay, you can then tailor your shopping around for payment plans to meet this amount.
You're searching for a payment plan as you need to borrow $10,000, and identify two different providers. Provider A offers a 15% interest rate, while Provider B offers a 14% interest rate. The immediate thought is that provider B will be cheaper. However, you also need to consider the length of the payment plan.
In this example, were Provider A offering a loan term of 60 months, and Provider B a loan term of 30 months, Provider A would be the much more affordable option, as demonstrated in the table below.
As you can see, despite Provider B likely being perceived as the best deal due to the lower interest rate, by going with Provider A you can access the financial help you need and save nearly $40 a week on the repayments.
While calculating your affordability will help determine how much you can borrow now, longer term it can help you avoid credit infringements such as missed payments and defaults.
Here at MacCredit, it is our aim to match you with the most affordable payment plan for your circumstances. We work with you to understand your affordability and will then find the best option for you. This allows us to avoid promising cheap deals or interest rates only for our customers to end up paying more than they thought they would, or feeling that a MacCredit personal loan is not affordable.
We will always look to match you with a payment plan that suits your circumstances and ability to comfortably meet your repayment obligations.
If you are looking for an affordable payment plan to cover medical costs, call us at MacCredit now on 1300 884 355.
As individuals we are always looking for ways to save money. Even when considering how and the reasons for borrowing, there are opportunities to save. Here are some great tips for saving money when borrowing; keep them in mind the next time you're planning to take out a loan or make a high value purchase.
This might sound like an obvious tip, but it is amazing how many people simply accept the first deal that they find when looking for a payment plan or loan. The next time you are looking for a loan, credit card, or another finance product, help yourself by drawing up a list of what you're looking for.
This might include a specific type of loan or a certain level of repayments. By listing your requirements first and then eliminating any lenders that can't meet your needs, you 'll quickly find yourself looking at the best deals for your circumstances, and you'll avoid simply taking out the first product you find.
If you focus on affordability, you are likely to find yourself saving money when borrowing. When we talk about affordability, we mean the repayments you can afford to make comfortably within your household budget and current circumstances. Let's look at these two scenarios for someone looking for a personal loan:
Person A goes to a finance website, sees the example terms and repayments advertised, can't afford them, so leaves and doesn't apply for a loan. This pattern is repeated throughout the shopping around process.
Person B works out what is affordable for them, then starts shopping around. Because they already know what's affordable, they can quickly dismiss the lenders that don't offer a flexible finance option, and can quickly look elsewhere.
By looking for a loan that is affordable, rather than simply taking out the first loan you find, not only could you save a significant amount of money but you also reduce the risk of missing payments and damaging your credit file as a consequence of borrowing more than you could really afford.
If you are planning a holiday, or are considering undergoing cosmetic surgery to improve your appearance, you might be able to save money by opting for finance rather than using your own savings. When you are looking to fund a lifestyle purchase, you can take the time to shop around, understand
what is affordable, and then find a specific loan or payment plan that fits your needs. If you spend your savings on your lifestyle purchase, then find yourself with an emergency expense, you may find yourself taking out the first loan that comes available, or even using dangerous short term finance.
By holding onto your own capital to cover emergency costs when they arise, you can instead use a payment plan for your lifestyle purchases, and repay loans at an affordable rate over a time suited to you and your financial circumstances.
Here at MacCredit, we are specialists in helping our customers find the best and most affordable loans if they are looking to secure finance for medical treatments or procedures. We are committed to ensuring you find the best payment plan that is most affordable under your circumstances.
By coming to us, you will be put into contact with the lenders that provide payment plans closely suited to your needs, which can help you save a significant sum of money in the long term. It is possible to save yourself significant sums money when borrowing if you follow these tips. If you are looking for a payment plan to cover the cost of a medical procedure, call us now on 1300 884 355.
How To, Payment Options


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This fall, we are thrilled that Bev will be offering a two-part Enneagram Workshop in September and October. After completing a free online survey, we will learn from Bev's expertise and one another about our personality types along the Enneagram.
The 9 types of the Enneagram make up a personality system that teaches emotional intelligence and helps us expand our relationship skills. Let's learn more about ourselves, about those around us, and in this journey of self-discovery, let's find ways it can be helpful in every area of our lives. Be sure to check out our detailed page and download the registration form.


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The reading of a fine book is an uninterrupted dialogue in which the book speaks and our soul replies.
André Maurois
André Maurois (born July 26, 1885) is remembered for his eloquent biographies of literary giants, including Percy Bysshe Shelley, Lord Byron, Victor Hugo, George Sand, Honoré de Balzac, and Marcel Proust. The French writer (real name Émile Salomon Wilhelm Herzog) had a colorful life himself: He served in both world wars and was elected to the prestigious Académie Française.


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Cutout .508" x .756"
Typical Applications: Lighting, Water Heater, Water Pump and Other Appliance Type Control.
Black Rocker Switch, 5 A Momentary On/Off SPST
S441 Black Momentary On Off Rocker Switch 5 Amp
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All prices are in USD


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share:Remind Me
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$4.52The Farmer's Daughter DVD $12.97 Casablanca DVD $8.42 Film Noir Collection DVD $7.95
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Axiom's Tempest series is a premium solution for committed all-weather riders who want supremely functional bags they can trust to keep their contents dry and protected in all conditions. We recently sent a set of Tempest Hydradore P27 panniers to Industry Outsider for review.
From Industry Outsider:
Mounting them is easy, thanks to the Rixen & Kaul® MODUL-RAIL system. Just slide them on, and lock them in place. You'll have no worries about shifting or slipping. When it's time to remove them, they come off just as easily, but only when you want them to.
Everything stays dry with the simple roll top closure. To fasten, simply roll it over, and buckle it at either side. If water gets in, you're probably at the bottom of a pool or lake. That's the only way it would get past the HYDRACORE inner liner.
Most of the other panniers I have used have been lighter, and with less structure. But the Tempest Hydracore P27 gave me the confidence to carry my expensive camera and lenses. This opened up a whole new world while fat biking.
For more, read the full review on the Industry Outsider blog.


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Special delivery for Fannie Mae: a letter from Rose McGee
This morning a small delegation delivered a letter from Rose McGee to Fannie Mae headquarters in Washington, D.C., demanding a fair deal with principal reduction.
The delegation was led by Caylin Crawford, a St. Paul homeowner who recently won an unprecedented settlement with Freddie Mac over her own foreclosure. Fannie and Freddie are both administered by FHFA, a federal housing agency led by Ed DeMarco, who has consistently stood in the way of principal reduction–reducing mortgages to their market value. Occupy Homes MN has partnered with New Bottom Line and Right to the City's campaign to Dump DeMarco. Caylin was in D.C. for a court hearing over her recent arrest after interrupting DeMarco's testimony in front of Congress.
Click through for the text of Rose's letter to Fannie Mae CEO Timothy Mayopoulos.
Dear Mr. Mayopoulos:
My name is Rose McGee and my home is located at 7200 Duluth Street in Golden Valley, Minnesota. In April 1994 – almost 20 years ago – my husband William McGee (former Chief Public Defender for Hennepin County) and I moved into this home and resided there together until his death in November 2000.
In 2011 I lost my job at a nonprofit. Immediately I contacted CitiMortgage to let them know. But even as they told me they were working with me for a modification, they sold my home without even notifying me. I have since learned this is called dual tracking.
With help from the Northside Community Reinvestment Coalition, Jewish Community Action and Occupy Homes Minnesota, I began fighting back for my home. I visited with executives from Fannie Mae, which now owns my home, in D.C. in January. I was assured that they were working on a solution that would be to my satisfaction.
My attorney and I believed that Fannie Mae was acting in good faith when they told us that because of the ongoing modification process, they would cancel the upcoming eviction court date in February. But at the very last minute, we received a call telling us the court date was back on. It was clear they had no intention of working with me, and were proceeding with the eviction after all. I had been dual tracked again.
I filed my own lawsuit for wrongful foreclosure. A Hennepin County judge agreed April 2 that I had not been given proper notice and ordered mediation. Fannie Mae's attorney says they have repeatedly offered me modifications and that I am being unreasonable. But the modifications they have offered are insulting. I have already been in the home 20 years. Why then would I want a new 40-year-mortgage without any consideration for the reduction in the value of my home?
I understand that Edward DeMarco, the federal administrator of FHFA, refuses to enact any kind of principal reduction. I find it outrageous that the federal government would stand so obstinately in the way of homeowners like me who simply want to stay in, and continue paying for, their homes. I have joined with a national campaign to Dump DeMarco and will continue fighting until someone is in charge who is willing to make me a reasonable offer.
I am asking CitiMortgage and Fannie Mae to let me have my home back. I have been employed since January 2012 and am willing to pay. Why then would CitiMortgage and Fannie Mae choose to take my home and have it sit empty, further reducing property value of the neighborhood? I am standing with hundreds of friends, neighbors, and a national coalition, and we are waiting for CitiMortgage and Fannie Mae to offer me a fair deal. On May 14, 2013 I will return to court for another hearing. By then, I expect to receive a reasonable offer from Fannie Mae that includes principal reduction.
I look forward to your response.
Thank you,
Rose McGee, Resident, Community Member, Tax Paying Citizen
Sign Rose's petition!


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Hi All,
I am wondering what services should I use to market my cars online? i'm looking to open my own dealership and need help on how to market effectively online to sell my cars. Should I use Craiglist? Autotrader? cars.com? Which ones did you use? Recommend?
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Contemporary and festive, elegant and fun. Everything you need in a beautiful and unique etched wine gift! Take this to your holiday dinners, and you'll get immediately noticed. Or, if you're corporate, add a logo and you're clients will remember you for life.
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4 December 2014
Jacana Minerals IPO is now open
OpenMarkets is now participating in the Jacana Minerals (ASX:JAC) IPO?via ASX Bookbuild. ?Available to all investors.
- JAC is a spinoff from Syrah Resources (ASX:SYR), completed in October 2014
- Tanzania-focused mineral sands & graphite explorer with diverse portfolio of exploration opportunities
- Experienced, successful Board and management team, including Tom Eadie (Chairman) – founding Chairman of Syrah Resources
- IPO funds to be used for drilling commencing in January 2015
OFFER SIZE:?$4m up to a maximum of $10m
ISSUE PRICE:?$0.20 per one (1) share
MINIMUM MARKET ALLOCATION:?Minimum $1m available for on-market bidders*
TECHNICAL LEAD MANAGER:?Bell Potter
STAMPING FEE:?2.0%?for successful allocations
OFFER OPEN:?10:00am AEST, 4 December 2014
OFFER CLOSE:?3:00pm AEST, 18 December 2014**
*Subject to the Priority Offer demand not exceeding $9m.?
** The company reserves the right to amend the time and date of Offer Close
For more information see the:
Supplementary & Replacement Prospectus
- Open an?OpenMarkets Account?(if you don't already have one)
- Read the?Supplementary & Replacement Prospectus
- Read, sign and return a once-off?OpenMarkets ASX Bookbuild Client Agreement
- Call our Dealing Desk on 03 8199 7704 to place bids with ASX ticker JACXBB.
To learn more about placing bids read the On-Markets BookBuild?Bidding Guide. ?Or contact OpenMarkets on 1300 769 433 or via email?for more information.


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Joomsuite plugin freelance jobs
Hello, I am running a Joomla website with a Joomsuite User membership component. One of the pages on the site includes a sign up form requesting user data. For some reason, one of the records of a previous member is sticking in the form fields. I just need to have the form fields cleared to a default state of blank. The site was working fine
I am running Joomsuite Member (Mighty Member) component and using the [login to view URL] payment plugin. This was previously working without a problem, as I had members signing up, paying, and the subscriptions were being created. I'm not sure what changed (or what I inadvertently changed), but now when a customer clicks "submit payment", they receive a
...I can't use the regular PayPal gateway. I just need a new Payment-Gateway in my backend to accept creditcard-payments and SMS payments via [login to view URL] They use Bill v2.0 joomsuite and as a way to pay "mobilpay". I need a connection between them, that is to somehow tell Bill that has just been paid by someone with x euro. Or if you know or find something
...looking for someone to assist me by installing and configuring a Joomla subscription module to charge visitors for the case summaries I write. I have purchased a license for Joomsuite Subscription, which looks like it should do the trick, but I am open to other suggestions. Each case summary has a brief overview which should be publicly available. I'd
...will provide the theme and plugin 1. Install a new theme - Rockettheme Mix Magg . 2. Install Virtuemart [login to view URL] plugin Intergration Joomsuite Member 4. Intergrating Aweber autoresponder with joomla http://www.aweber.com/faq/questions/332/How+Do+I+Add+An+Opt+In+Form+to+My+Joomla+Site%3F 5. Add SEO plugin Let me know asap if you
...project is exactly similar to the website: [login to view URL] The only difference would be, I would like this project to be built in Joomla and more precisely in JoomSuite Resource (currently Mighty Extensions Resource). Addition of new translations should be easy (without programming). This is a non-profit website run by me only, so your
Using the joomsuite member plugin for a subscription website. A user is not able to access the subscription content, his account appears active and payment went through. Trouble shoot the problem, this may include interfacing with the joomsuite member tech support team, and possibly upgrading the component to the latest version, as they will
...Joomla 1.5 Support Background * My Joomla site is hosted with siteground Help Required * Install the Registration Component from Mighty Extensions * Install JoomSuite license Manager * Fix Object that is not loading on page * Other questions from me Required * Experienced Joomla Person who can provide above support * This
Features Module / Joomsuite resource I need a Module that will display Joomsuite categories and selected article that works similar to Gavick , News Show Pro GK1. The module in its basic format •We need to be able to select articles from different categories •Show them with graphic from main article , Article title and a selected amount or words
I have upgraded a site from joomla 1.0.15 with juser to joomla 1.5 with joomsuite user. I need that all the user from the previous suite to be transfered, as well as all the properties of them... (additionnal fields) thanks
Need module that works with Joomsuite that can select articles from different categories with graphic, header text and ability to select up to 100 words pulled from the article describing the feature with read more link. Ideally Gavick News pro comes close but it dose not see Joomsuite articles and needs to be able to select articles from a range of
Joomla Website. Has a Membership subscription component (JoomSuite, JoomMember and JoomUser) that has a registration page. Require someone to change the process of the system where the registration information is taken AFTER a payment is made, not before. At the moment, the system asks for all of the information first, and then a payment type
Joomla Website. Has a Membership subscription component (JoomSuite, JoomMember and JoomUser) that has a registration page. Require someone to change the process of the system where the registration information is taken AFTER a payment is made, not before. At the moment, the system asks for all of the information first, and then a payment type
New, comunity page, based on Jomsocial and Joomla. Project based on 2 parts, u can do all or just one. First part The page needs, paid membership, either based on Joomsuite Member or ACE - multiple profile types. With the posibilites for trial membership. Second part Photo galleries in groups, and profile based on the build in photo album
...sales sequences are very popular in the United States. Earnware would like to pay JoomSuite to create a multi-step sales sequence to enhance their current product line. They can sell the sequence to other companies as well. Earnware would like a component/plugin/module - whatever is appropriate - that would allow us to use this sequence across
Install joomsuite member renewal license for joomla website, test and troubleshoot if necessary ## Deliverables install license renewal for joomsuite member component install joomsuite analytics component and license
I am looking for a developer that can define a business index with standard (free)/premium registrars (subscription) with Joomla and Joomsuite. If there are alternatives for Joomsuite then that is fine with me. Initially there will be an upload of data. Companies must be able to login so they can maintain their own data. On the frontend some fields
...an available ACL component for Joomla 1.5.9 (probably either communityACL or JUGA) and a custom script/plugin that you would write to bring in simple data from an excel spreadsheet. We would then need a way to display that data (maybe using plugin/mambot) on a rights controlled "My Page" for only the user that has rights. Each vendor "My Page" would
... -- to be used as a management tool. Aside from development costs happy to purchase licences for 3rd party commercial extensions ( E.G. SmartFormer Gold JoomSuite User & JoomSuite Mass Mail Integration with sugerCRM [login to view URL] Sugar professional licience ) where the developer believes they will same time and money
We have site with a Yootheme search function (yoosearch) and also Joomsuite resources/Juser installed and we wish to exclude all Jommsuite content (submitted by registered Joomsuite users) from the yoosearch result. Please contact us if you have a solution for this. br magnus
We have installed Joomsuite on atest site and added Joomsuite Resources, JS User, JS People Touch. Problem: When none registered visitors contribute with articles there's a system error message "no user id is given" displayed when we list all submitted articles. We would wish o have this message removed. Attached is a screenshot.
This project is to streamline the process of adding new members to my joomla member area A username / password field needs to be added here: http://ti...page. It is then parsed on page [login to view URL] I need code added to the above page which automatically adds the user to my joomla database in the user and joomsuite member tables.
...mp;layout=blog&id=95&Itemid=146 1. Registration, paid and free account types, cyclical billing, user type content / authoring restriction - We want to use the JoomSuite Member management system. 2. Welcome statement, bio / about section - User Front end add / edit articles within profile. 3. Event schedule / calendar (currently using
We are seeking to integrate Joomsuite joomla components into our purchased template Telline II. This would be a step by step project as we are learning Joomla and do not want to make commitments until we understand it and the developer more. First project is to get Frontpage and article of Template working with Joomsuite content and fields. We
I have a joomla install and am using the Joomsuite User component to display members profiles. However I have no idea on how to edit the user template and need a knowledgeable Joomla expert to make some basic changes to the profile layout (not the main joomla template). Each member can embed the url to up to 5 youtube videos and I need the template
We have a need for a system whereby a user pays for a subscription (possibly using Joomsuite) and there account information is sent to several different remote websites via their APIs for INSERTION. Basically, we have a membership based site that we resell access to other websites through. When a customer joins our member based site and succesfully
...College Status* fields need to be required (College Status, Graduation Year, College, Major) - Currently, users can get away without filling out these fields. Component: JoomSuite User - On the backend, not able to enter new values for College Field - receive error message. *Need a way to allow users to 'Delete' their account. After a user logs
...some dependable hourly future support. I am not a programmer. I therefor need a person with good grasp of English so I may communicate these repairs. Subscription Plans, JoomSuite Member,AEC Subscriptions, Appstacks Testimonial, Banners, CcBoard Community Builder, Eventlist GroupJive, Jcomments, Jooblog joomunity, news Feeds, Phoca, VirtueMart, web
Im looking to see if someone has the joomla components article factory manager and joomsuite resources, or has programmed/modified something to work better
...will be creating and adding questions (articles) to the "Interview Questions" section/categories on a go-forward basis. Users, that are members of the site (we are using JoomSuite Members and Users component) should be able to search through the questions and click a link "icon" or check box by the question that will add it to their own "Q-Lists"
...submenus,with normal joomla system you can only create 2 submenus and not three! some components can create unlimited amount of submenues BUT : if i use such components like joomsuite,most of other components like joomcomment or joomfish,wont work fine. my second problem is i have to import sections categories and articles manually and importing one book
I have a site that needs a few cosmetic customizations as well as a Joomsuite User field addition. - Need to remove all instances of purple in stylesheet color. (when hovering over links in body of site, no highlighting - links should become bold) - Need widening of column on homepage to accommodate picture size. - Need logo at top of
CMS: Joomla 1.5.9 Software Vender: [login to view URL] Software Componant: JoomSuite Resource Within the article submission form i would like the title field hidden from users and a custom title string created (passed on submission) via the combination of other fields within the article form. As well as adding to the string a prefix and postfix
...mosets tree, to joomsuite member ([login to view URL]), or the the new version of mosets tree, I want keep the style of the original site and listing templates plus add additional listing types using tradewise - payments plus system or adding the features using joomesuite member. We currently have ALL of the newest versions of the joomsuite components
We need a SQL command or script to convert a 310 member user database from Joomla (and Joomsuite Member) over to a new aMember database on the same server. Things we'd like converted - Username,? full name, email address, subscription start date, subscription end date, plan type (we have 3 types of subscriptions plans) and password if possible
...to be displayed as drop downs and radio buttons. Information on how you would help us with this is appreciated (what system would be best). We have already downloaded JoomSuite JUser with license, but need icon php loader to make it work. We do not want the site to get messed up in any way during this process, which is why we are enlisting the assistance
...serial should be possible for us to generate in the componente we need something so the componente can only be installed with one serial on one server or host (see example joomsuite) you can generate a trial serial on their website valide for 14 days exactly so we want too) [login to view URL];amp;view=list&
Please Sign Up or Login to see details.
Hello, We've recently installed "JS Resource"... and need a JoomSuite expert to configure the video download section inside this component. We need a layout for 8 videos which can be previewed by the public but only viewed by those who have purchased the subscription, which has already been set up in "Member". Please send references to sites
We are looking for a Joomla expert that is familiar with the [login to view URL] Resources mo...page This will require creating these pages as well as the administration pages. All of these pages exist on our current non-joomla site. We require proof of previous JoomSuite development. We also require good communication throughout the project.
Our company needs a coder to finish our site setup. We are using JoomSuite User and Member to control subscriptions to our site. Subscriptions are paid using PayPal. 1] Edit our Membership Page (change some of the wording) [login to view URL] 2] Need to add the PayPal
I need help to customize the component a...be happy to try it out. But I have already tried sectionx which did not work at all. Phoca is just a plugin, and joomsuite was a nightmare due to a lack of instructions so I had to uninstall it. Docman also does not do what I want as it does not plugin to exisiting core joomla content. Thanks for you help
...user want do download it from DOCMAN (Joomla component). Watermark must be filled with Company and user name that we have entered at joomla registration module throught Joomsuite User component (joomla component). You can find an example of wanted look & feel watermark at attached file. We only have 36 hours to have this script developed
Please Sign Up or Login to see details.
...management system, place our Joomla site in a subdirectory and protect that directory with aMember software. We'd like to convert all the current paid members in the Joomsuite member system into the aMember system. If we can retain user passwords that would be preferred, otherwise once the conversion is completed, we'd like to email all users new
Create custom field plugin. This is multi criteria rating. Approach as follows. In field parameters textarea where user may enter words separated by new line. There will be as many rating cafeterias as many lines entered. For example Product Cost Product Durability Product Design This is 3 criteria rating. Another parameter is how many stars
...in selling subscription based access to how-to videos centered around the SonicWALL product line of Internet security appliances. We have implemented Joomla 1.5.7 and Joomsuite components / mods to create and manage subscriptions. The issue we have is the register and pay flow is very disconnected. In order to address this situation we want to combine
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...custom fields and categories. I have already searched the net and came up with: 1. Docman, problem is this does not link in with joomla static content files. 2. Joomsuite content. Problem is Author Sergey does not provide good documentation, yearly subscription fee and component has been known to conflict with other joomla comps. 3. Custom
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We are happy to cater for large parties and special occasions such as weddings or birthday parties where we can decorate the room or you can do this yourselves.
Party menus and private room hire available on request
We can also provide hot or cold buffets for occasions such as weddings, birthdays and funerals.
Please call us on 01773 822338 to discuss further.


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Finished the ankle warmers last night. I'm not going to block them for the simple fact that I want them to stay relatively "tight."
Depending on what is happening this weekend I'll try and get the pattern posted. Or at least written so I can post it on Monday – I think we all know how sucessful I am at posting over the weekend.
I have an idea for a sweater, I want one with sheep, but I can't find one that I like, so there will be swatching done this weekend for certain. I'm thinking it should be a yoked sweater because I like those (and I don't want to have to figure out set in sleeves). I just have to decide how I want it to work.
Oh, and buy yarn. Which will have to wait for a bit.
So in the interm I'm going to finish off more WIP. Really.


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David Thompson
RHB, 3B, University of Miami
Video highlights
ACC Tourney highlights
On his surgery
First College Homerun
3 Homeruns on 5/16
Interview with NBC6
Under Armour 2011
From his time in the Cape Cod league
ACC Tourney highlights
On his surgery
First College Homerun
3 Homeruns on 5/16
Interview with NBC6
Under Armour 2011
From his time in the Cape Cod league
Running Speed: 45/50
Arm Strength: 60/65
Hitting for Average: 50/60
Hitting for Power: 55/65
Fielding: 55/60
John Sickels had him at the top of his list of College Third Baseman to Watch
Junior, hits right, mashed to tune of .333/.445/.658 with 19 homers, 43/27 BB/K in 243 at-bats. Huge power to all fields, good strike zone judgment, good track record with wooden bats. This is a first-round bat but shoulder injuries have hampered his throwing and many scouts believe he'll have to move to first base. He's not a butcher, however, and in my opinion people are under-rating him. Target Territory: Compensation round/second round, although personally I'd consider him in the second half of the first round.
Draft report from Rob Ozga
Amazin' Avenue
The Comeback 'Cane (Video)
Amazin' Avenue
The Comeback 'Cane (Video)
Astro reaction
I can't believe this guy fell to the Mets in the fourth round, especially after reading Sickels report on him. He had a serious surgery, but appears to have recovered from it nicely, as he was a homerun machine for Miami this year, and power can be a concern post-surgery for Thoracic Outlet Syndrome (see Jayce Boyd, although his situation may be different). Right-handed game power is nice, which is why I like this pick, but let's see how it translates to the minors, and if he can handle a position other than 1B (although maybe his power plays even there).
David Thompson drafted by the @Mets! #DT2NY pic.twitter.com/dMFNsDs8sV
— Hurricanes Baseball (@CanesBaseball) June 9, 2015
Tethys the Target http://t.co/V8AAzwKrF9 via @nasa pic.twitter.com/f3xHy0K7wb
— Universe Today (@universetoday) June 9, 2015


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Jared Mitchell Band – Ready for 2018
Feature story and photos by Axton Deary
Sherman, Texas — On Saturday, Nov. 4, 2017, the Jared Mitchell Band opened for headliner and Grammy Award Winner Rick Trevino at 903 Brewery. Overall, the night was a large success, and even a bigger night for the Jared Mitchell Band.
The Jared Mitchell Band opened with an Americana cover, the lead singer thanks the crowd of 100 for attending and then continues to another song. Jared Mitchell Band is unlike any other county-influenced genre band. Where many of these particular bands adhere to a certain sound, such as, Red Dirt, Texas Country, Southern Rock-Country, Americana/Alt-Country, Neo-Traditional Country, and The Nashville Sound, JMB intertwines all of these stems of country music together for a vast spectrum of sounds ranging from David Allen Coe to Turnpike Troubadours. JMB is often part-genius and part-adventurous as they reach beyond cross genre-divided lines to produce different and oddly satisfying mix-ups of cover songs. For instance, listeners heard an almost dreary guitar riff before expecting John Anderson's "Seminole Wind," but after the initial opening of the song, the band transitioned into Indie-Pop band Foster the People's 2011 award-wining hit, "Pumped Up Kicks."
JMB closes the evening with a few originals that are without a doubt, serious radio-spinners. "Back to Carolina" is a wonderful take on long distance relationships and "Leave Me Alone" is the perfect song for anyone who isn't looking for relationships at all. Apart from the excellent set list, JMB brings gusto to the table for each show, the chemistry between the band members is genuine – not forced. If scrutinized just enough, it's easy to find what bands are just there for the gig, to get paid, and leave. With JMB, they bring passion to what they do and it shows on stage.
The Jared Mitchell Band originally began as Spur 503 in the early 2000s and has been performing under the current name for the past 2 years. This performance shows no slowing down for this behind-the-scenes veteran band. Three of the original founders of Spur 503 transitioned with JMB, lead guitar player – Chance Cody, percussionist – Adam Doty, and sound engineer – Bryan Willis (more commonly known as, Lil' B). Cody, Doty and Willis oversaw the production of Spur 503's three albums that spanned from 2005 to 2011. Spur 503 has toured with anyone and everyone in all strands of country music, including, Blake Shelton, Miranda Lambert, Willie Nelson, Dwight Yoakam, Gary P. Nunn, Daryl Dodd, and Randy Rogers Band.
I was able to catch up with lead singer Jared Mitchell after his set was finished for the evening. Mitchell, a baby-faced, slender, 20-something year old who has hair down to his shoulders, was working merch while Cody, Doty, and bassist Johnny Waitt drifted off into the evening. In between selling t-shirts, koozies, stickers, other merchandise, and passing out a few old Spur 503 albums, Mitchell was gracious enough to answer a few of my questions.
Mitchell says his family moved to Denison when he was 4 years old, and that is when he met Johnny Waitt, Bryan Willis Adam Doty, and Chance Cody at no other place than church.
While growing up, Mitchell recalls that Cody, Doty and Willis were rockstars as Spur 503 would play Gruene Hall on Friday night, North Texas Fair and Rodeo in Denton on Saturday, and then be in the church band back in Denison on Sunday. "I began with Spur in December 2010 when I was 18 years of age. My first official day, we played 2 shows. We had to set up in the morning, perform, breakdown, travel 50 miles, set up again, perform again, breakdown again, and then drive home. It was a long first day. The workload put the job in perspective from the initial moment I began. I also recall I couldn't even get into some venues at first because I looked younger than 18. I had to have a notarized affidavit to get into the bars we were set to perform at. I still keep a few extras in my guitar case for a good laugh" says Mitchell.
In terms of going a new direction with Jared Mitchell Band, Mitchell says, the decision was made by Chance Cody. "Spur 503 by all means had regional success — they had 3 albums, had a great amount of radio play, and toured frequently with large named acts. Chance was just tired of looking for new lead guitarist so he decided a change was needed. My first real gig as lead was in January 2016, at the Texas Music Hall of Fame out in East Texas — no pressure there." says Mitchell with a sly grin on his face. Mitchell follows up, "I was terrified. I grew up idolizing Chance, Adam and Lil' B, and watching their success. Chance Cody has been up top with some big name folks that I looked up to in the industry. So to say I was terrified when the change took place, is a pleasant way of putting it." Mitchell continues, "These guys have more experience in years than I have been alive; but honestly, if it hadn't been for Chance, Adam, and Brian giving me a shot in their band, I would probably not be playing live shows today. It's intimidating enough to play a show when musicians you idolized as a kid are backstage, but I get share a stage with Chance, Adam and Lil' B every night and that's often freighting."
I asked Mitchell what it was like to ultimately take the reins of the wagon and take full control of the band. Mitchell says, "That's a tough question. There is no better group of guys that I would have a band with. I've been fortunate enough to not have to go out and piece together a band – Chance, Adam, and Lil' B handed me the 1,000 piece puzzle, and it's nearly completed — all we have to do is add the few missing pieces that are songs."
In addition to the missing puzzle pieces, I asked Mitchell if there were any plans for an LP or EP soon/where does JMB want to be in 2018? Mitchell light-heartedly says, "We are terrific at taking baby steps and we take baby steps slower than most, but we will be working on an EP in 2018. I believe that once we have more original JMB music that is easily accessible to potential listeners (other than Facebook Live videos or YouTube videos), JMB will have taken our first 'big step' towards really gaining a following. For the last year we have slowed down on gigs, in order to spend more time writing songs. Quality song writing is a marathon, not a sprint."
So where to next for the Jared Mitchell Band? Up.
The Jared Mitchell Band possesses 4 things that will guide them to as much success as they want – chemistry, on-stage presence, versatility, and guidance. There is an undoubtedly a unique chemistry between Jared Mitchell, Chance Cody, Adam Doty, Johnny Waitt and Brian Willis.
When Cody and Doty graduated high school, it is highly likely Mitchell wasn't even born, much less thought about. Yet, for the two younger members of the band, they are always mentally on the same page as the older members, and just as focused. The band's chemistry resonates on the stage like no other and it allows them to perform at a genuine, higher caliber than most regionally successful bands. Next, as a lead singer, Jared Mitchell, possesses the on-stage presence as a person with three-times experience as he currently does. Mitchell is comfortable with being in the spotlight, yet he isn't egomaniacal or displays arrogance as a typical 26 year-old male might do, given the afforded rights Mitchell has earned.
The Jared Mitchell Band has the versatile sounds to where they are capable of creating any sound they want to. As mentioned above, JMB is willing, able, and has created sound others might not be comfortable with, such as, throwing a 90's classical country song with a 2010 indie-pop song. The ability to go above many other's comfortability level shows JMB is will to do whatever it takes to make quality music that isn't watered-down or mechanical engineered by a high-end producer. Last, the guidance of seasoned veterans Chance Cody, Adam Doty and Bryan Willis. Cody, Doty, and Willis have been there, done it, and got the t-shirt or whatever cliché saying you want to input for experience. The trio has played in just about every venue in the State of Texas, they have performed for whatever band you think of, and they have record 3 successful albums under Spur 503. Ultimately, Cody's, Doty's and Willis' selflessness and sacrifice will gear Jared Mitchell Band towards however successful they want this band to be.
2018 will be the catalyst for Jared Mitchell Band. The band performs at Gilley's in Durant at Choctaw Casino in early 2018, opens for Parker McCullum and then a studio session is scheduled for the end of the year.
Category: *- Features, Other venues


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The Essential Laws of Recycling Explained
On Our Way to Paradise…
The environment is very important and every human being should get involved and take care of it. One of the typical issues that lead to adverse environmental health is improper treatment of nature and lack of ability of the people to value each other. In terms of man's nature, a good example would be the crab mentality which has the idea that everyone should fail, when a person fails. In the same way, water and air pollution is a major problem we encounter. It can cause every individual to get sick because of the water they drink, wash plate, taking a bath, all concerns about water and the air we breathe. They may happen if each of us lack self-discipline and respect. An owner of the company which utilizes water and air should pass the standard given to them so that they may not cause unhealthy living. An appropriate action after it must be applied if someone fails to meet the standards like giving penalties and other proper consequences.
Fundamentally speaking, we, human beings are liable to each other and to nature. Nevertheless, a great and powerful solution begins in our own homes. Cleanliness is a worthwhile to implement to stay away from various health problems. We can do this by supporting each another. We can collect recyclable elements to create trash bins and/or boxes where we place our unused clothing, damaged toys, and other stuff. We should know how to identify and segregate biodegradable and non-biodegradable items so that it can be recycled and make it more useful to others. Those businesses which utilizes much water and materials should have an appropriate procedure where to dispose of their waste materials. Staff members, director, executives and all the people in great ranks of a firm is extremely responsible for the effects of the environment. If they believe something is wrong on the method or system, it is their responsibility to get someone who could aid them in dealing with the trouble. In this issue, we are hoping that people will each other to obtain healthy surroundings and be able to stay in a less polluted place with our family.
Having to sustain a healthy environment, we can have a nice place to outdoor routines, where students learn actual things as taught by their teachers, doing campfire where they could sing and dance, go to island to island to have fun and enjoy the nature of our environment, mountain climbers be able to feel the clean and fresh air we breathe, and our relation towards each other as a person will boost and gain harmonious relationship.
In many ways, everybody is a participant of these troubles because it commences with each individual being not able to carry out the respective obligations as a person who dwells in the planet. Our Environment is our life and our dwelling place that we must take proper attention.


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An Infinity of Traces
A new show entitled "an infintiy of traces" in studio 12 at gertrude contemporary art spaces from the 26th of june. My studio is just across the hall so come and say hello if you like.
An Infinity of Traces is a fantastic assemblage built on top of a gamelan xylophone. It uses paper rope, various types of wire, styrofoam and xylophone keys smelted in bali and tuned in the Kebyar scale. Its a kind of meditation on the influence of gamelan on westerner's fantasies (my own included). I realize this warrants a lot more writing and I will endeavour to geta round to it soon in the meantime I have included with the show is a zine entitled "kebyar library" which charts the show's influences and resonances. It is published by HMpress and will be released with performance by snawklor during the show details soon. Below are some selections from the zine.
Lamonte Young and Guru Pandit Pran Nath


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Ended with my recent vfxshot film "KEEPSMILE" for creativeminds2017 competition. Again we have 90sec to showcase our film making & VFX techniques. It took approx one an a half month for completing this 90sec vfx film.Hopefully again we win in this category.Soon i'll post the breakdown,storyboard and hole process how we did it.
Till then Play with Visual effects #vfxforever #keepsmile:D


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Copyright 2009 Cengage Learning, Inc. All Rights Reserved. May not be copied, scanned, or duplicated, in whole or in part.
Licensed to:
Chapter 12 257
Money and the Banking System
Changes in the Balance Sheet of Bank-a-mythica
(a) (b)
Assets Liabilities Assets Liabilities
Reserves deposits Reserves No Change
2$100,000 2$100,000 1$80,000
outstanding 2$80,000
Addendum: Changes Addendum: Changes
in Reserves in Reserves
Actual Actual
reserves reserves
2$100,000 1$80,000
Required Required
reserves reserves No Change
Excess Excess
reserves reserves
2$80,000 1$80,000
How would the bank react to this discrepancy? As some of its outstanding loans are rou-
tinely paid off, it will cease granting new ones until it has accumulated the necessary $80,000
in required reserves. The data for Bank-a-mythica's contraction are shown in Table 7(b),
assuming that borrowers pay off their loans in cash.5
But where did the borrowers get this money? Probably by making withdrawals from
other banks. In this case, assume that the funds came from First National Bank, which
loses $80,000 in deposits and $80,000 in reserves. It finds itself short some $64,000 in
reserves, as shown in Table 8(a), and therefore must reduce its loan commitments by
$64,000, as in Table 8(b). This reaction, of course, causes some other bank to suffer a loss
of reserves and deposits of $64,000, and the whole process repeats just as it did in the case
of deposit expansion.
Changes in the Balance Sheet of First National Bank
(a) (b)
Assets Liabilities Assets Liabilities
Reserves deposits Reserves No Change
2$80,000 2$80,000 1$64,000
outstanding 2$64,000
Addendum: Changes Addendum: Changes
in Reserves in Reserves
Actual Actual
reserves reserves
2$80,000 1$64,000
Required Required
reserves reserves No Change
Excess Excess
reserves reserves
2$64,000 1$64,000
After the entire banking system had become involved, the picture would be just as
shown in Figure 3, except that all the numbers would have minus signs in front of them.
Deposits would shrink by $500,000, loans would fall by $400,000, bank reserves would be
reduced by $100,000, and the M1 money supply would fall by $400,000. As suggested by
In reality, the borrowers would probably pay with checks drawn on other banks. Bank-a-mythica would then
cash these checks to acquire the reserves.
Copyright 2009 Cengage Learning, Inc. All Rights Reserved. May not be copied, scanned, or duplicated, in whole or in part.
Licensed to:
Part 3
258 Fiscal and Monetary Policy
our money multiplier formula with m 5 0.20, the decline in the bank deposit component
of the money supply is 1/0.20 5 5 times as large as the decline in reserves.
One of the authors of this book was a student in Cambridge, Massachusetts, during
the height of the radical student movement of the late 1960s. One day a pamphlet
appeared urging citizens to withdraw all funds from their checking accounts on a pre-
scribed date, hold them in cash for a week, and then redeposit them. This act, the circu-
lar argued, would wreak havoc upon the capitalist system. Obviously, some of these
radicals were well schooled in modern money mechanics, for the argument was basi-
cally correct. The tremendous multiple contraction of the banking system and subse-
quent multiple expansion that a successful campaign of this sort could have caused
might have seriously disrupted the local financial system. But history records that the
appeal met with little success. Apparently, checking account withdrawals are not the
stuff of which revolutions are made.
So far, our discussion of the process of money creation has seemed rather mechanical.
If everything proceeds according to formula, each $1 in new reserves injected into the bank-
ing system leads to a $1/m increase in new deposits. But, in reality, things are not this sim-
ple. Just as in the case of the expenditure multiplier, the oversimplified money multiplier is
accurate only under very particular circumstances. These circumstances require that
1. Every recipient of cash must redeposit the cash into another bank rather than hold it.
2. Every bank must hold reserves no larger than the legal minimum.
The "chain" diagram in Figure 3 on page 255 can teach us what happens if either of these
assumptions is violated.
Suppose first that the business firms and individuals who receive bank loans decide to
redeposit only a fraction of the proceeds into their bank accounts, holding the rest in cash.
Then, for example, the first $80,000 loan would lead to a deposit of less than $80,000—
and similarly down the chain. The whole chain of deposit creation would therefore be
reduced. Thus:
If individuals and business firms decide to hold more cash, the multiple expansion of
bank deposits will be curtailed because fewer dollars of cash will be available for use
as reserves to support checking deposits. Consequently, the money supply will be
The basic idea here is simple. Each $1 of cash held inside a bank can support several dol-
lars (specifically, $1/m) of money. But each $1 of cash held outside the banking system is
exactly $1 of money; it supports no deposits. Hence, any time cash moves from inside the
banking system into the hands of a household or a business, the money supply will
decline. And any time cash enters the banking system, the money supply will rise.
Next, suppose bank managers become more conservative or that the outlook for loan
repayments worsens because of a recession. In such an environment, banks might decide
to keep more reserves than the legal requirement and lend out less than the amounts
assumed in Figure 3. If this happens, banks further down the chain receive smaller
deposits and, once again, the chain of deposit creation is curtailed. Thus:
If banks wish to keep excess reserves, the multiple expansion of bank deposits will be
limited. A given amount of cash will support a smaller supply of money than would be
the case if banks held no excess reserves.
The latter problem afflicted Japan for many years in the 1990s and continuing into this
decade. Because they had so many bad loans on their books, Japanese bankers became
supercautious about lending money to any but their most creditworthy borrowers. So
even though bank reserves soared, the money supply did not. Something similar hap-
pened in the U.S. in 2007 and 2008, when banks got jittery.
Copyright 2009 Cengage Learning, Inc. All Rights Reserved. May not be copied, scanned, or duplicated, in whole or in part.
Licensed to:
Chapter 12 259
Money and the Banking System
If we pursue these two points a bit farther, we will see why the government must regulate
the money supply in an effort to maintain economic stability. We have just suggested that
banks prefer to keep excess reserves when they do not foresee profitable and secure oppor-
tunities to make loans. This scenario is most likely to arise when business conditions are
depressed. At such times, the propensity of banks to hold excess reserves can turn the
deposit-creation process into one of deposit destruction, as happened recently in the U.S.
and elsewhere. In addition, if depositors become nervous, they may decide to hold on to
more cash. Thus:
During a recession, profit-oriented banks would be prone to reduce the money sup-
ply by increasing their excess reserves and declining to lend to less creditworthy
applicants—if the government did not intervene. As we will learn in subsequent chap-
ters, the money supply is an important influence on aggregate demand, so such a
contraction of the money supply would aggravate the recession.
This is precisely what happened—with a vengeance—during the Great Depression of
the 1930s. Although total bank reserves grew, the money supply contracted violently
because banks preferred to hold excess reserves rather than make loans that might not be
repaid. And something similar has been happening in Japan for years: The supply of
reserves has expanded much more rapidly than the money supply because nervous
bankers have been holding on to their excess reserves.
By contrast, banks want to squeeze the maximum money supply possible out of any
given amount of cash reserves by keeping their reserves at the bare minimum when the
demand for bank loans is buoyant, profits are high, and secure investment opportunities
abound. This reduced incentive to hold excess reserves in prosperous times means that
During an economic boom, profit-oriented banks will likely make the money supply
expand, adding undesirable momentum to the booming economy and paving the way
for inflation. The authorities must intervene to prevent this rapid money growth.
Regulation of the money supply, then, is necessary because profit-oriented bankers
might otherwise provide the economy with a money supply that dances to and amplifies
the tune of the business cycle. Precisely how the authorities control the money supply is
the subject of the next chapter.
1. It is more efficient to exchange goods and services by outside of banks by investment houses, credit unions,
using money as a medium of exchange than by bartering and other financial institutions.
them directly. 5. Under our modern system of fractional reserve banking,
2. In addition to being the medium of exchange, whatever banks keep cash reserves equal to only a fraction of their
serves as money is likely to become the standard unit of total deposit liabilities. This practice is the key to their
account and a popular store of value. profitability, because the remaining funds can be loaned
out at interest. But it also leaves banks potentially vul-
3. Throughout history, all sorts of items have served as
nerable to runs.
money. Commodity money gave way to full-bodied
paper money (certificates backed 100 percent by some 6. Because of this vulnerability, bank managers are gener-
commodity, such as gold), which in turn gave way to ally conservative in their investment strategies. They
partially backed paper money. Nowadays, our paper also keep a prudent level of reserves. Even so, the gov-
money has no commodity backing whatsoever; it is pure ernment keeps a watchful eye over banking practices.
fiat money. 7. Before 1933, bank failures were common in the United
4. One popular definition of the U.S. money supply is M1, States. They declined sharply when deposit insurance
which includes coins, paper money, and several types of was instituted.
checking deposits. Most economists prefer the M2 defi- 8. Because it holds only fractional reserves, the banking
nition, which adds to M1 other types of checkable system as a whole can create several dollars of de-
accounts and most savings deposits. Much of M2 is held posits for each dollar of reserves it receives. Under
Copyright 2009 Cengage Learning, Inc. All Rights Reserved. May not be copied, scanned, or duplicated, in whole or in part.
Part 3
260 Fiscal and Monetary Policy
certain assumptions, the ratio of new bank deposits to 10. Because banks and individuals may want to hold more
new reserves will be $1/m, where m is the required cash when the economy is shaky, the money supply
reserve ratio. would probably contract under such circumstances if
the government did not intervene. Similarly, the money
9. The same process works in reverse, as a system of
supply would probably expand rapidly in boom times if
money destruction, when cash is withdrawn from the
it were unregulated.
banking system.
Run on a bank 242 M2 247 Asset 251
Barter 243 Near moneys 247 Liability 251
Money 244 Liquidity 247 Balance sheet 252
Medium of exchange 244 Fractional reserve banking 248 Net worth 252
Unit of account 244 Deposit insurance 250 Deposit creation 252
Store of value 244 Moral hazard 250 Excess reserves 252
Money multiplier 256
Commodity money 245 Federal Deposit Insurance
Corporation (FDIC) 250
Fiat money 246
Required reserves 251
1. Suppose banks keep no excess reserves and no individ- b. Sam finds a $100 bill on the sidewalk and deposits it
uals or firms hold on to cash. If someone suddenly dis- into his checking account.
covers $12 million in buried treasure and deposits it in a c. Mary Q. Contrary withdraws $500 in cash from her
bank, explain what will happen to the money supply if account at Hometown Bank, carries it to the city, and
the required reserve ratio is 10 percent. deposits it into her account at Big City Bank.
2. How would your answer to Test Yourself Question 1 dif- 4. For each of the transactions listed in Test Yourself Ques-
fer if the reserve ratio were 25 percent? If the reserve tion 3, what will be the ultimate effect on the money
ratio were 100 percent? supply if the required reserve ratio is one-eighth (12.5
3. Use tables such as Tables 2 and 3 to illustrate what hap- percent)? Assume that the oversimplified money multi-
pens to bank balance sheets when each of the following plier formula applies.
transactions occurs:
a. You withdraw $100 from your checking account to
buy concert tickets.
1. If ours were a barter economy, how would you pay your 5. Each year during Christmas shopping season, consum-
tuition bill? What if your college did not want the goods ers and stores increase their holdings of cash. Explain
or services you offered in payment? how this development could lead to a multiple contrac-
tion of the money supply. (As a matter of fact, the
2. How is "money" defined, both conceptually and in
authorities prevent this contraction from occurring by
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