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General Insurance covers vehicles, travel and therapeutic. So as to make life a ton less complex for clients, a great deal of the insurance agencies have begun offering these arrangements on the web. Picking this alternative, while purchasing general protection, is speedy, simple and significantly less bothering. Here are a couple of tips to guarantee that you get the best arrangements:
Keep your current approach prepared and adhere to a similar organization
On the off chance that you are reestablishing general protection online you have to ensure that you have your current strategy prepared as you should enter your past arrangement subtle elements. Keeping your old arrangement prepared will likewise prove to be useful when you are looking at statements of your Online Medical Insurance for instance. You ought to likewise attempt and get all your protection arrangements with a similar organization to meet all requirements for a markdown for taking numerous strategies from them if pertinent.
Getting the best out of your Auto Insurance Policy
On the off chance that you are purchasing General Insurance Online for your vehicle the primary thing that you ought to guarantee is that you get every one of the rebates that are pertinent. Do your exploration to perceive what the top of the line accident coverage organizations are and how they analyze as far as statements. It is constantly prudent to run with an organization that has clear claims and so forth quickly or you will arrive up investing additional time and vitality circling to get your cases settled. Now and then the purported Best Car Insurance organizations can be very careless with regards to really settling a claim.
Great Home Insurance
Home protection is likewise accessible under the General Insurance Online class. To guarantee that you are getting the most ideal out of your home protection arrangement ensure that your house is safeguarded for the right esteem. Now you should take into contemplations things that go under rebates like fire alerts and so forth. On the off chance that you live in a home that has as of late been redesigned you have to ensure that the specialist that you are managing knows about this.


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Good books. Great Stories. Fine Purpose.
This weekend (Saturday through Monday, July 5–7), The Purpose of Fantasy is discounted to 99 cents.
It includes discussions of specific titles like The Ocean at the End of the Lane by Neil Gaiman, The Silver Chair by C.S. Lewis, The Last Unicorn by Peter S. Beagle, and others (some labeled as children's books but enjoyed long into adulthood!).
It also discusses why fantasy is so beloved and influential in meaningful ways, drawing on thoughts by Tolkien, Chesterton, and others.
Happy 4th of July weekend!

subset: commoncrawl


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Contact Us:02038287416
Flow space is very important for a house's balanced functionality, ensuring that the most effective use is manufactured the space out of all and that it is habitable, Extensions House in Barnet. While advancing, this may imply rethinking the big event of every area so that the rule bedrooms, most of all your kitchen, dining and living space, can all be seen immediately in the main lounge.
Therefore planning is required to the design or top of the present top, including the improvement of rooflights for your improvement of windows should they experience the highway. This means that planning choice will be more often than not required by basement conversions in a Preservation Area.Furthermore, with all conservatories' exclusion, new extensions must be constructed of products ?similar in appearance? sufficient reason for the same top message since the principal property. So while PD rights are helpful, there?s too much before beginning function to consider.
We firmly believe in comprehensive household expansion service in London. extensionshouse.co.uk is just a house expansion company that is major. You can expect a total expansion providers from design, organizing and style as well as improvement through to the final finishing variations. We are able to provide you with be it an office, playroom or bedroom, when raising the worth of the household, Extensions House in Barnet. From arranging the best decorations extensionshouse.co.uk frequently take care of your organizing authorisation as well as producing guidelines. The work all is totally complied with all the national regulatory needs.
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Study Mathematics in Alicante, Spain
CELEC, Centro de Estudios
Alicante, Spain
CELEC, Centro de Estudios (CELEC, study center) is made up of roughly 40 graduates. All have degrees in different fields of study. The main objective is to offer guidance and tutorial classes on the different courses to students who want to overcome their challenges in those subject areas and acquire the educational goals they wish for. The courses and tutorials are offered to all students, those already in session at the university, and even those planning to enroll at the university for those specific courses. Because of its excellent programs, the center has been awarded a certificate... See full description.
Study Programs: Accounting, Art History, Business Administration, Chemistry, Commerce, Economics, English Language and Literature (in Language Schools), French Language and Literature (in Universities), German language and literature (in Universities), Graphic and Industrial Design Engineering, History, Human Resources, Information Technology, Labor Relations, Language Courses, Management Information Systems, Mathematics, Printing Technology, Psychology, Safety and Health, Secondary Education, Social Work, Spanish Language and Literature (in Language Schools), Test preparation, Work Science, Labor and Work Place... See all programs.


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Evaluating cost taxonomies for information systems management
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The consideration of costs, benefits and risks underpin many Information System (IS) evaluation decisions. Yet, vendors and project-champions alike tend to identify and focus much of their effort on the benefits achievable from the adoption of new technology, as it is often not in the interest of key stakeholders to spend too much time considering the wider cost and risk implications of enterprise-wide technology adoptions. In identifying a void in the literature, the authors of the paper present a critical analysis of IS-cost taxonomies. In doing so, the authors establish that such cost taxonomies tend to be esoteric and difficult to operationalize, as they lack specifics in detail. Therefore, in developing a deeper understanding of IS-related costs, the authors position the need to identify, control and reduce IS-related costs within the information systems evaluation domain, through culminating and then synthesizing the literature into a frame of reference that supports the evaluation of information systems through a deeper understanding of IS-cost taxonomies. The paper then concludes by emphasizing that the total costs associated with IS-adoption can only be determined after having considered the multi-faceted dimensions of information system investments.
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Watkins, Kim; Seubert, L.; Schneider, C.; Clifford, R. (2016)© 2016 Published by the BMJ Publishing Group Limited. Objectives: The aim was to evaluate a common-sense, behavioural change intervention to implement clinical guidelines for asthma management in the community pharmacy ...
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Lifestyle And Mental Health « Dr Roger Walsh
ARTICLES. Lifestyle & Mental Health. jump to section in articles on Lifestyle and Mental Health. AUDIO. Roger and Ken Wilber on Integral Life: How to Live a Longer and More Fulfilling Life
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A new study published in the journal Obesity revealed that consistency is extremely important when trying to lose weight.
The study showed that consistently losing weight over a longer period of time was more effective in keeping the weight off among obese and overweight individuals. These people who lost weight gradually were compared to those who lost weight in a much quicker manner, and the former fared a lot better than the latter in the long run.
Developing a stable routine that consists of a healthy diet and exercise routine has been shown to be the most effective way to keep weight down over the long term. Based on the study's findings this is the best course of action for most of us, however with that being said it is pretty evident that most of us aren't sure how to get there.
How can we modify our lifestyle and diet to where we actually enjoy our meals and our routine on a daily basis-to where we can maintain it long term?
One of the biggest issues many of us have are impulse buys, which not only can ruin our diet but are bad for the budget as well. This more often than not happens at work, where we decide to head to the vending machine, food truck or cafeteria for food instead of bringing our own.
These foods are typically loaded with calories and other additives, while being low in fiber. All this does is satisfy our cravings in the short term, leaving us hungry and inevitably consuming more afterwards because of it.
To combat this, the best thing you can do is to plan ahead. Food preparation and planning never is a fun thing to organize, but it will save you money and calories in the long run. Simply replacing a bag of chips for a banana or a chocolate bar for some trail mix adds up over time, and you will see the difference.
Another area where many of us fail is getting to the gym and exercising on a regular basis. It really comes down to making time for your routine, and that means having to schedule it in to your day just like you would do any other obligation.
Not doing so makes it easy for you to convince yourself not to go for whatever reason. Scheduling ahead of time is going to make you look forward to going to the gym as well, as it is a planned part of your day and not another added unwanted activity that you are throwing on the heap at the end of your day.
Most of us don't get all of the necessary nutrients that the body needs, and in fact most adults are deficient in more than one of these essential nutrients that the body needs. Ideally you want to get all of your nutrition from food sources, but that is not the case for most people based on their diets.
To help yourself out you can take a supplement in the form of a multivitamin to make up that difference. Many of these nutrients we are missing out on heavily influence hormone production and thus our weight, so make sure that you are taking a multivitamin in addition to your meals if need be.
Being consistent in exercise doesn't mean that you have to be doing the same thing every day. Doing so is going to make exercise another chore that you don't want to do, so make sure to vary up your routine.
Another thing to consider is to do weight training if you don't already, as more muscle tissue growth can help you to lose weight. This is because more muscle mass translates in to a higher resting metabolic rate, as your muscles require energy to run-even at rest. More energy burned equals more fat loss, so make sure to include weight training as a part of your routine.
Also you want to make sure that you can exercise into your twilight years, so make sure to reduce the impact on your joints whenever possible. If you like running for example, try throwing in some swimming or cycling to your routine to reduce that impact over time.


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3 Reasons To Read In A Pub
Since I started reading in pubs some time ago, I've been noticing a slew of other dwellers doing the same thing. It's weird to think that something so solitary can have such a following, at least from what I've seen.
I'm fascinated by the sort of people who engage in the act, largely because it's one of those things that doesn't get talked about, and yet everyone who does it has their own reasons for doing so: they're waiting on a friend, they've got a spare half hour before they need to run errands, they've just finished work and need to unwind before heading home (a personal favourite of mine).
Recently a friend and I decided to make it a double act and sit in a pub together, our noses in our literature of choice and a hand hovering by our respective pint glasses.
Dual book reading. It's a thing.
There is something so tranquil – perhaps even meditative – about the act of reading a book all alone whilst sat in a pub or bar. Being alone without a book carries a certain stigma and marks you as an alcoholic pariah, and switching out a book for a smartphone just doesn't have the same appeal.
The combination of book + pub x beer = reclusive bliss. With that in mind, here are three reasons I feel that reading in a pub is something everyone should do.
It Encourages Interaction With Others
Right. I realise this first entry seems counter-intuitive. The whole point of reading in a pub with no one else at your table is to be alone, surely? Why would you want the distraction of someone approaching you and talking to you when you clearly don't want company?
But there have been several occasions where I've welcomed the interruption from a perfect stranger asking me what book I was reading. There is always some instant rapport with someone who takes an interest in what literature you're holding.
They might not like what it is you're reading. They might never have heard of it. But a quick glance at the dust jacket and an inquiry as to what it is usually says one thing about that person, "I'm an avid reader myself." Boom. Instant friend (maybe).
It Frees You From Other Distractions
Speaking of getting distracted, I am a sucker for things that grab my attention. I am the product of the internet era with all those gizmos and gadgets and hoozits and Wi-Fis and other silly words I'm not even sure are real.
You know how moths are attracted to that one light bulb in your room? That's a gateway drug to me. I need brighter and more powerful lights. I won't budge for anything less than halogen.
Anyway, the point is that when I'm at home, there are hundreds of things I can be doing that keep me away from my books. In fact, I stopped reading to write out this article. True story.
But in a pub, save for a loud TV playing in the distance, there is hardly anything to take my mind off my book. I can't switch to Spotify or Netflix. I can't browse Steam games. I can't…can't…you know…porn.
Can't do that.
All I can do is read… And drink, Natch.
It's A Pub
Maybe you're not a drinker. Maybe the idea of going into a pub with a book and ordering a soft drink is your bag (baby?), and that's fine. Me? I'm a drinker, and what I love most about being alone in a pub is that it's a place where I can do two things I enjoy in one sitting: drink and read.
Woo, says my brain. Woo indeed. While I sit at peace with my copy of whatever text I happen to be engaged in, I am content with the knowledge that I am but a few steps away from a near endless supply of alcohol to whet my whistle with (pub cellars are a portal to alcoholic Narnia, I swear to god!)
I could do the same thing at home for much cheaper (and I do), but it doesn't have the same appeal. Oh sure, I don't exactly get drunk when I'm reading. That defeats the whole purpose of it, I find. But a pub is a safe haven where one can get away from the elements, sit in peace, enjoy some fiction in relative comfort and let the world spin on unabated.
So… a library then? Well yes.
A library with pork scratchings*, mind.
Big thanks to contributor Andrew Heaton from Just PC Things for his guest article here today. So, why not join in the discussion and let us know: What do you think about reading in a pub? Is this something you've done a lot of? Have your experiences of reading in a public drinking hole echoed or been contrary to Andrews experiences? As always, let us know in the comments below, or over on Facebook and Twitter.
Please remember to check out Andrews YouTube channel, where he discusses books and literature… Whilst listening to the soothing sounds of some heavy metal! Will someone give us an "Oh hell yeah?!" – Also, give Just PC Things some GeekOut style Facebook love!
* PS: Pork Scratchings link added for illustrative purposes only… Of course!


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Home / TESOL Videos / TESOL Videos - TESOL TEFL Reviews - Video Testimonial - Chaabane
Chaabane from Tunisia has recently completed the 120-hour online TEFL course with tutor support and videos from ITTT. Initially Chaabane was a bit nervous about completing the course but soon found out that the course was enjoyable to take. He was impressed by the course materials which he found to be comprehensive. Chaabane would recommend ITTT's online TEFL courses to anyone considering a career in teaching English.
Below you can read feedback from an ITTT graduate regarding one section of their online TEFL certification course. Each of our online courses is broken down into concise units that focus on specific areas of English language teaching. This convenient, highly structured design means that you can quickly get to grips with each section before moving onto the next.
This unit was interesting in that it seems so similar to the previous unit, but is so different once you get a chance to look at the differences in the lesson plans. I found this unit to be more of a challenge. It is so helpful to have the layouts for lesson plans.I would like to say thank you for this Unit. I think, that all information here is very important for my job. Here I understood all information about parts of speech in a very interesting way. Also, this Unit gave me a great example how can teach kids some grammar.This chapter was helpful in considering the different types of learner I may come in contact with as an ESL teacher. I think it was helpful to see what types of things can be controlled in the classroom and how the teacher largely dictates the success of the class.
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by Mauro Sotille
To be a "card-carrying" project manager it is important to take a certification exam in project management. The credential will show your qualification, which is a factor considered by a potential employer. In some areas, such as IT, for example, most job ads ask recognized certifications, such as PMP. The same is true in the public sector where a good part of the jobs related to project management requires that the candidate have certification.
CAPM® or PMP® certification?
For those newly graduated, who don't have experience, the CAPM certification (Certified Associate in Project Management) from PMI is ideal. It does not require professional experience and will be a differentiator when it comes to getting a job. The CAPM credential requires only 23 hours of formal education or 1500 hours of work in one or more project teams. Unfortunately the market still does not value the CAPM certification, however this is a competitive differentiator for anyone who wants to grow in the area.
For those who can prove that he or she is acting in the area for at least 3 years, certified PMP (Project Management Professional) is the path.
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This year, I had the awesome opportunity to film a segment on 9NEWS in Denver about our Braces-Friendly Recipe blog! It was absolutely amazing to see the studio and the news anchors in action.
The wonderful Kyle Dyer did a fantastic interview with me where I was able to bring some of my favorite recipes from the blog to demonstrate. We talked about the challenges that can sometimes come up when eating with braces and some tips and recipes to make life with braces much better!


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Lithuanian, Polish Presidents ready to mediate in Ukrainian political crisis
15:58, 11 April 2007World
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They already mediated during the Orange Revolution of 2004
Polish President Lech Kaczynski and Lithuanian President Valdas Adamkus have expressed their willingness to help resolve the political crisis in Ukraine, according to RIA Novosti.
"The presidents exchanged opinions on the situation in Ukraine and possible developments in the country," the Lithuanian presidential press service said after Adamkus` meeting with Kaczynski in Vilnius on Tuesday. "The two Presidents expressed their determination to help resolve the situation if such a need arises."
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Running Shoe Lacing Techniques
When most runners purchase their running shoes from a specialty running store (You are not still shopping at those big box sporting goods stores, are you?) they are already cross-laced and ready to go. Or are they? Did you know there are different ways that you can lace your shoes to make them more comfortable or to help customize your shoes for your feet? Here are some of the more common shoe lacing patterns that help combat some common shoe issues. I tried to find the brightest shoe laces on the brightest pair of shoes I own so that you could see easier.
First, let's cover the LOOP LACING LOCK. This technique can be used in a number of different lacing patterns to insure a tight and snug fit anywhere along the eye row of your shoe, depending on where your laces seem to be slipping.
In this example, I have put the loop lacing lock at the top of the shoe. The shoe was cross-laced as usual to the top of the shoe. To accomplish the loop lacing lock, put each lace end back into the same hole it just exited, leaving a small loop on each side.
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First Financial Credit Cards
Credit Score Hit by Holiday Shopping? How to Rebuild with Credit Cards
The bill for the holiday fun comes due in January when the credit card statements arrive. You may even have used a quick cash advance to get all your gifts purchased during November and December. Prepare now to tackle those bills AND improve your credit score throughout the new year.
Step 1: A Few Clicks Gets Your Credit Report in Your Inbox
The first of the year inspires all kinds of resolutions. If you want this new year to be when you get your financial house in order, it's time now to tackle that daunting document: your credit report.
You're entitled to a free credit report every 12 months. Annualcreditreport.com is the only free site authorized by the U.S. government's Federal Trade Commission. Don't be intimidated. Just fill out a few fields, check some boxes and it comes right to you.
Step #2: Take a Look at Your Credit Utilization
Statement in front of you? Good. We'll take it step by step.
The first element of your credit card examine is your credit utilization–basically, how much credit you have used compared to the total that banks are willing to lend you. Those using 50% of their available credit on any one account or 50% of credit offered across ALL accounts have lower scores than card holders using less than that halfway point. If you've spent $10,000 of a $15,000 limit, you're using 67% of your available credit. Your annoying brother-in-law using only $5,000 of a $15,000 limit has a 33% credit utilization rate.
Credit utilization accounts for a whopping 30% of your score. It's also rather simple to improve. How? Apply for new credit cards and ask for the highest limits. Then, assuming you start with the $15,000 credit limit we discussed above, an additional $10,000 in new credit available to you gets you to a new limit of $25,000. $10,000 out of an available $25,000 credit line creates a 40% credit utilization, far lower than 67%. Keep working on it and you'll be below 30% in no time.
Credit card limits are tricky. Even if a credit card issuer approves you for $10,000 or $20,000, it doesn't mean they think you have the income to spend all of that. Approved for $20,000? Best to keep your debt to $10,000 and under.
Your new January approach will be to work your credit card balances down below 50% of your limits or the amount your bank permits you to borrow. Whether that's through paying down balances or opening new credit lines depends on your financial situation.
Step 3: Look at Late and Missed Payments
Where credit utilization accounts for 30% of your credit score, late payments impact it even more. Even one payment that's late 30 days starts shaving points, but 60 and 90 day late payments wreck real havoc. At 120 days, most card issuers hand the account over to a collections agency. Now you're talking about having your credit score drop into the 500s.
If you see that you have late payments, don't despair. These three options may get them removed:
- Ask the creditor for a "goodwill adjustment," based on the responsible payments you have made.
- Tell the creditor you will sign up for automatic payments debited from your bank account if they remove the late payment.
- Claim the late payment is inaccurate. This works only if you have documentation, however.
- Employ a professional to negotiate with the creditor.
After you've addressed your credit utilization and payment history data, you can go forward knowing exactly how to put your best foot forward in rebuilding your credit.
Step 4: Rebuild with Secured Credit Cards
With a firm understanding of how credit scores are calculated and how your behavior contributes to them, you can be confident about finding credit cards that will stabilize your finances.
Keep that positive in mind when you find out that you most like will need to start out by using "secured" credit cards that have fees, low limits and may even require a deposit. Banks and the U.S. government want you spending, so the secured credit card is the way they make it happen.
These credit cards work just like a regular credit card, except you deposit often the same amount of cash collateral that they permit you to spend. What's the benefit, then? These secured credit cards report to the three credit bureaus ( Experian, TransUnion and Equifax ) that you've shown responsible use of your secured credit card. Every on-time payment gets documented.
Eventually, the secured credit card company should approach you about using an unsecured credit card, where you don't have to put up the cash. If they don't after six to nine months, by all means apply for a different unsecured credit card or approach your current company for the same opportunity. The credit card company will consider how you've managed –not only your secured card– but all of your credit cards and loans.
Once you get the unsecured card, your collateral from the secured card comes back to you, given you've paid all charges.
Come Back from Your Holiday Spend the Smart Way
Holidays are not ALL about the gifts, but they sure make these few days out of the year more fun. And the fun is not just in receiving, but giving. In fact, studies have shown that those who spend money on others feel happier and have more of a sense of purpose than those who don't. Gift exchange has promoted connection and well-being since prehistoric times. If your generosity is crushing your credit score, rest assured you can work your way out slowly but surely.
When the Personal Loan Works Better than the Credit Card
Most of us have emergency or other expenses that require quick funds. While many resort to credit cards for these expenses, a better option may exist: the personal loan.
The personal loan is a contract created between a bank, credit union or other lending entity and an individual. It states an amount to be lent to the individual and terms like interest rate and duration of the loan. Because establishing a personal loan requires discussion with a bank or credit union representative, however, many feel intimidated to embark on this kind of funding. This said, the personal loan may be the more financially savvy option in several situations.
First we want to cover the biggest advantages of using personal loans over credit cards. These include:
1. the personal loan can be "unsecured," requiring neither collateral (like a credit card) nor a credit card inquiry that can lower credit scores; this said, some personal loans DO require collateral and perform a credit inquiry. Get these items straightened out with a loan agent BEFORE signing the contract;
2. personal loan interest rates are typically lower than credit card rates and negotiation with the loan officer for even lower rates is possible;
3. unlike rates for credit cards, the interest rate stays fixed for the entire repayment period;
4. monthly payments stay even. Credit card payments change as charges accrue.
With the advantages clear, you can determine whether the money you need should be gained through a credit card or personal loan. The following includes the situations that we think make the most sense for a personal loan.
1. Unexpected Income Shortfall
People make errors. Sometimes these fallible people have jobs in payroll and forget to cut checks. The good news is that banks and credit unions issue small personal loans relatively easily, requiring a few pay stubs and the last few months of bank statements. While going to the bank to discuss the situation can be uncomfortable, people in this situation get money within 24 hours when they use convenient online personal loan solutions. Online banking solutions often have lower interest rates and better terms because these alternative lending institutions do not need to satisfy shareholders or spend exorbitant amounts on marketing. As Bill Gates said in the nineties, bricks and mortar banks "dinosaurs."
People looking to finance an adoption, in vitro fertilization, a cross-country move or other big activity without traditional financing (like a car or RV loan) turn to the personal loan to move life forward at reasonable cost.
2. Consolidating Credit Card Debt to Increase Credit Score
Who wants to pay 19% when they can pay 11%? An 8% difference per year can save the borrower with a $10,000 credit card balance $800 each year or $67 monthly. Fill out our convenient personal loan application. First Financial lenders' lower loan rates and better terms may surprise you! We have all the security of the big, bricks and mortar banks, namely 128-bit "banking level" security. We have to. The Security and Exchange Commission and other federal institutions demand it.
3. Borrower Prefers or Needs a Fixed Rate and Term
Borrowers (or their parents or spouses) often advocate for the personal loan because it involves making the same payments at the same schedule until the loan is paid off. Credit card rates are variable and could rise several percentage points yearly. Those who make a clear decision about one large purchase appreciate the clarity of paying for it consistently over a limited period of time.
First Financial Personal Loans Provide the Savings only Online Functionality Delivers
First Financial's lending partners can provide low cost personal loans because of their cost-saving, online structure. Apply for an affordable personal loan here, even if your credit rating is "fair," "poor" or even "bad." Our comprehensive application was designed by financial professionals who understand that an applicant's financial history can be complex, particularly in the post-recession era. Fill out the application in minutes and learn how much you qualify for within 48 hours. Follow First Financial on Facebook to get smart budgeting and saving tips, too!
Top 10 things to know when looking for a credit card
Whether you're in a financial crunch or just lack a second Ferrari, credit card offers landing in your mailbox might look like an answer to a prayer.
Don't succumb to temptation, says Cate Williams, vice president of financial literacy for Money Management International in Chicago.
"The first thing consumers need to do is walk from their mailbox to their shredder," says Williams. "A new credit card might give you that sparkling feeling for about 24 hours, but as a way to clean up your finances, borrowing money to pay back other money is not a solution."
Experts' advice can steer you away from the top 10 credit card mistakes.
1. Getting too many Bypass the shredder and you could make one of the most common credit card blunders by collecting too many credit cards.
"Ask yourself," says Williams, " 'Do I need another credit card?' Probably 95 percent of us don't need another one to keep in the sock drawer or in the little metal box in the kitchen."
Howard S. Dvorkin, founder and president of Consolidated Credit Counseling Services, a nonprofit debt management company in Fort Lauderdale, Fla., agrees. "The worst mistake is that people don't know when to stop. Too many credit cards is not a good thing."
Even if the cards have zero balances, multiple open accounts could cause a lender to question what could happen if the account holder gives in to temptation and maxes out on all that plastic.
2. Misunderstanding introductory rates But, you argue, that new card will help you manage your money better because you can transfer other balances to a no-interest account. Welcome to credit card mistake No. 2: being misled by introductory rates.
"People don't look at what the rate's going to be once the teaser is over," says Daniel Wishnatsky, certified financial planner and owner of Special Kids Financial in Phoenix. "The assumption is that it's going to be a reasonable rate. But with these particular loans, it's not unusual for it to go up to 18 to 20 percent. They're surprised six months later when it expires. But if they'd done their homework, they wouldn't be."
3. Not reading the fine print That homework is reading the offer's fine print. Not doing so is credit card blunder No. 3.
That tiny text insert is where you'll discover when the zero-percent or very l ow interest rate expires. It's also how you can find out about any balance transfer fees, as well as any offer limitations. In most cases, the introductory rate applies only to balance transfer amounts or new purchases for a certain period of time, says June A. Schroeder, a CFP with Liberty Financial Group Inc. in Elm Grove, Wis., a private financial planning and advisory firm.
4. Choosing a card for the wrong reasons You might be tempted to ignore the fine print because the card has other attractions, such as a rebate or rewards program. Don't, or you'll make credit card mistake No. 4: choosing a card for the wrong reasons.
"Credit card granters are not a consumer's friend. It is a business," says Dvorkin. "They don't know what's right for you. Their job is to extract as much money from you as they can. Your job is to not let that happen. People need to go through and find a card that's right for them. There's every sort of card out there — points, cash back, donations to your college."
5. Not rate shopping Look for the best possible interest rate. Not shopping around is credit card mistake No. 5.
It's especially important to note the rate on unsolicited offers. If you're struggling financially, you're not likely to get the most favorable rates or terms. You'll be paying higher interest rates. So comparison shop for a credit card.
6. Making minimum payments OK. You do need another card. You read the fine print, you completely understand the terms and you got a competitive rate. But even after choosing the perfect credit card, people still make mistakes, such as No. 6 on our list, making minimum-only payments.
"Credit cards are not a form of supplemental income," says Dvorkin. "They're for convenience, and should be paid off at the end of every month. Paying the minimum is not going to get you anywhere. It's going to get you in trouble, that's where it's going to get you."
And it's going to get you into trouble for a long, long time. "People don't realize how difficult it is to pay off loans at a high rate," says Wishnatsky. "You're going to be paying it for your next three lifetimes."
CreditCards.com's calculator can show how long it will take to pay off a bill if you send only the minimum each month.
7. Paying your bill late Making late payments, blunder No. 7, is better than not paying at all, but not by much. Not only will you face a late-payment charge, which could be higher than your minimum payment, your tardiness will show up on your credit report, damage your FICO score and make it harder to get better terms for future loans and accounts.
Check your account statement for the due date and make sure you send your check in plenty of time. But the date alone isn't enough, says Liberty Financial's Schroeder. Some companies have cutoff times. If your check arrives on the 22nd as required, but in the afternoon mail, your payment is counted as late because your account terms called for payment by 9 a.m. that day.
If you've set up an automatic payment via your bank, make sure the time and date are taken into account, says Schroeder. And find out your bank's payment policy when the due date falls on a weekend or holiday.
8. Ignoring your monthly statement You can avoid late payments by checking your credit card statement. Not doing so is mistake No. 8. Checking your statement will help you pay your bill promptly, as well as allow you to make sure that the charges on it are correct. "In these days of ID theft, you need to check your bills religiously," says Schroeder. And you need to do so as soon as the statement arrives. If you wait too long to dispute a charge, says Schroeder, "you're essentially accepting it."
9. Exceeding your credit limit Checking your statements also can keep you from exceeding your credit limit, mistake No. 9. "If you're near the top of your credit limit, try really hard to pay in cash for subsequent purchases or get an increased credit line," says Schroeder. "If you don't, you'll get over-the-limit charges, which are costly and look bad on your credit report."
10. Buying things you don't need Careful statement examination also could prevent the 10th credit card blunder, using plastic to purchase things you don't need."Go over your credit card bills every month and you'll be amazed at the number of items that, upon reflection, you could have done without," says Wishnatsky. "It's surprising how many purchases we make that we think are needs, but are impulse buys."
The Phoenix financial planner tells his clients who are considering a significant purchase to wait 48 hours, if at all possible. "If you still want it, wait another 48 hours," Wishnatsky says. "Then if you have to get it, then get it."
Also use your statements to help you create a budget. Wishnatsky realizes many people cringe at the "B" word, but he says control of your spending and your credit card usage doesn't have to be a way to deprive yourself. Instead, it can be a way to make things happen in financially positive ways.
"Once you get control, even to a degree, it frees you from this constant money worry," says Wishnatsky. "You might find there are things that you can actually end up having if you just have a plan, if you get your financial desires in tune with your financial resources."
What do I do if I lost my First Financial credit card?
Follow these instructions to cancel a card and receive a replacement.
Report a lost or stolen card:
- Call Visa Global Customer Assistance Services toll-free within the United States at 1-800-847-2911.
- gravelling outside the U.S.? Select the name of the country you are in to find a local toll-free number.
- Callers in certain countries dialing these numbers from mobile or hotel phones might be charged fees. If your country is not listed or if you experience difficulties using any of the toll-free numbers, call direct 1-303-967-1096. ♦Await second dial tone Please click here for a full listing of Visa Global Customer Assistance Services toll-free numbers.
What are current credit card rates?
Credit Cards
- 13.81% (all fixed)
- 14.52% (all variable)
Credit card rates remained unchanged this week, according to Bankrate's latest survey of interest rates. The average annual percentage rate, or APR, for variable-rate credit cards stayed steady at 14.52 percent for the sixth week in a row. The fixed APR was 13.81 percent, where it has remained since the beginning of March.
AAA, the largest travel organization in the U.S., joined the chip card revolution this week. On Monday, the organization said it is offering its co-branded Bank of America credit cards with EMV chip technology — named for the developers of the technology standard Europay, MasterCard and Visa. It is widely used around the world and better defends against counterfeit fraud. Current cardholders simply need to request a new chip card to get one.
Fraud strikes about 1 percent of credit card transactions ans skimming threatens debit card users
There are two times as many credit card fraud cases involve phone or online transactions than retail sales, according to new data from FICO. Researchers found that sophisticated counterfeit rings have raised the stakes for merchants over the most recent 20 month period.
There have been reported an increase in "skimming," a technique where criminals tamper with ATMs and payment devices to capture both card details and (PIN) personal identification numbers. Criminals can use magnetic stripe blanks or other stolen cards as "clones," passing details of a stolen account to a payment device without the victim's knowing. ATMs, grocery stores, and gas stations topped the list of places where criminals use stolen or cloned debit cards.
Criminals test stolen credit cards online before shopping in public places
Fraud rings usually test the stolen cards with smaller online transactions. The online tests as a "relatively safe" way for thieves to learn whether victims notice extra purchases on their monthly statements.
Researchers at J.D. Power and Associates, where the results of an annual customer satisfaction survey show that nearly a quarter of credit card problems involve fraudulent transactions.
Debit card usage grows nationally
FICO's numbers show American consumers rely on debit cards more than ever, driving a fifteen percent increase in authorization compared to the previous period studied. Federal rules leave consumers responsible for only $50 of fraudulent debit card transactions if reported within 2 days, though Visa and MasterCard now require member banks to follow tougher "zero liability" rules. Debit card fraud can leave consumers on the hook for bounced check charges or failed bill payment fees while investigators to restore the funds.
The FICO monitored millions of credit card transactions between January 2010 and September 2011. Researchers use the data to develop complex algorithms that protect client issuers and their cardholders from identity theft and fraud. Analysts found fraudulent transactions in only 1 percent of their sample.
Poor credit card use is an out of control problem:
Poor credit card use is an out of control problem with many consumers and the results have been devastating in some cases. Poor Credit Card Offers In this section we've collected the top online deals from the major companies and banks such as Visa, MasterCard, and many others. There are some definite consequences of poor credit card use.
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Business credit cards can offer benefits in the form of convenience, rewards, and cash infusion. Business Credit Cards Credit cards designed for small business owners. Business credit cards typically offer higher credit limits, low introductory interest rates and rewards programs designed for business needs. Business credit cards come with many features that are exclusive to businesses only. Business credit cards are designed specially to help those customers make any business prosperous and manage the expenses sagely. business credit cards student credit cards Credit cards for small businesses are for good and excellent credit history only. Business Credit Cards can help business owner like you to start, run, and grow their companies more effectively by providing them with special business related products and benefits. Business Credit Card Site is here to provide complete reviews of credit card for business from the largest card company to easily compare and find the best small business credit cards for you.
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Student Credit Cards lists some popular bank accounts for young people. Student Credit Cards Start building your credit history with these cards for college students. Student credit cards can help build credit history, offer 0% APR or low introductory rates, cash back and rewards programs beneficial to students. Student Credit Cards Student credit cards are designed specifically for college-aged students. Student credit cards are specifically designed for you and have special terms, so be sure to read over the application before signing up for one. Student credit cards have become popular with college students seeking to establish credit while enjoying the convenience of credit cards. Student credit cards are especially created for college students who are trying to obtain credit for the first time. student credit cards provide college students with a convenient way to pay expenses and establish a credit history.
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Credit Card Center Business & Personal
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Business Services & Rewards
Reward points can be redeemed for merchandise, gift cards, or air rewards that can be used anytime, anywhere, on any airline. Rewards Credit Cards Get more with a rewards card. Rewards Credit Cards Earn points toward rewards of all kinds every time you shop with one of the credit cards from this category. Reward credit cards have just recently been launched by credit card companies to make consumers enjoy rewards after making purchases or payments using their credit cards. Rewards come in the form of frequent-flier miles, goods, and sometimes free services for the customer. Rewards are typically earned by accruing points that can be redeemed for something of value. Rewards Program: This is a student credit card with cash back rewards. Rewards, $0 fraud liability, 0% APR for the first 12 months and online account servicing are only a few. Reward points can also be used for travel or hotel stays. Rewards Cash Back Travel Trade Terms Spending power built for business-sized needs.
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Name all the things you can see by the sea in English and te reo Maori including sandcastle (pa kirikiri), some waves (ngaru), or a lifeguard (kaikauhauora).
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Donovan Bixley has sold hundreds of thousands of copies of his books in 31 countries and 18 languages, including te reo Maori. He has won awards for both his illustrating and writing and won the Children's Choice award in 2013. Published in over 100 books, his unique style of illustration brings delight and joy to readers both young and old. He lives on the crater's edge of the greatest volcanic eruption in human history (also known as Lake Taupo, in New Zealand). Music fills his spare time alongside his wife and three daughters. www.donovanbixley.com
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In the game of golf, having a precise and perfect control over each strike and ball movement means winning. Unlike other games where great emphasis is place on the physical attribute, strength and endurance, the game of golf require greater concern for the mental capacity of the player wherein concentration, analysis, and effective body coordination […]Read More...
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The ElectroCruise is a full displacement lobster boat with extended hull to provide outboard attachment swim platform and improved performance. Suitable for short or extended cruises, recharging overnight. Solar panels which generate 12 amps at 48 volts are mounted atop the cabin and on a special canopy over the cockpit. Solar power alone propels the boat at over half cruising speed and will add 20 to 30% to overall range. Boat is fully equipped with every need to operate, dock and fully enjoy this unique boat.
Length: 23 ft
Beam: 7 ft
Draft: 18"
Boat by Atlas Works, Inc.
Modifications by Fiberglass Finesse and Ray Electric Outboards
|8 Batteries
|16 Batteries
|Top Speed
|2.2 Hours
|4.7 Hours
|5.5 Hours
|12.0 Hours
|Cruise 2
|8.0 Hours
|17.0 Hours
Solar Performance:
Maximum solar power is 12 amps at 48 volts or 576 watts. Solar power alone will propel the boat at 4 MPH. Solar power reduces the battery drain by the solar amps registered on the solar meter and can extend your range 20 to 30%. One set of 8 batteries will require three days of average sun to charge fully discharged batteries. Charge controller prevents over charging.
Click images below for a larger version


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3 suppliers match your filters. Reset my filters
We love what we do and Smile Crocodile proudly provide an innovative twist to the traditional photobooth for clients throughout Adelaide.
With 3 different types of photo booths to choose from, you'll find one just right for your special day.
We will ensure that you have a no hassle experience from start to finish when booking with Somers Entertainment.
No suppliers match your filters. Please try a different search
Simply let us know which Easy Weddings' suppliers you've booked. Once verified, you'll get entries into the draw for your chance to win!View Details


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Multilingual Living ran a great article a couple of weeks ago setting out 10 things you should NEVER say to your bilingual child. Corey Heller, the author, is a real inspiration and I have lost count of the times that one of her pearls of wisdoms has given me renewed motivation or food for thought along this multilingual path.
It's a good thing for us all to remember that bilingualism is a fabulous thing but only if it does not come at the expense of relationships and harmony within ones family unit.
To this end (keeping things light and fun) our home at the moment is filled with music and stories. Poppette is really loving listening to music right now and always points at the stereo insistently whenever it isn't on. We have been stocking up on fabulous music CD's, story CD's and books. Some of the most recent and highly recommended ones are:-
50 Histoires à lire en turbulette a great set of stories and rhymes for young children with gorgeous illustrations.
Contemimes a CD with music and short songs for young children. The music here is really lively and so so different from any other CD we own. Very original and a wealth of great vocab for young ones to learn whilst having fun. This CD comes with a book with the song lyrics in and suggested hand mimes to do along to the songs.
Coco et les bulles de savon a short story book with illustrations accompanied by a CD with a spoken version of the story set to music and real sounds (such as the bath running at the appropriate point in the story). Coco is a cheeky little monkey who gets himself into all sorts of scrapes. There is a whole series of Coco CD/book combos available and we will definitely be increasing our collection.
If anyone has any suggestions of other fun books or CD's do let me know.
Ooh that reminds me - Maria over at Busy as a bee in Paris posted a link to another blog (The Inspiration Thief) which also took me to another blog (Oopsey Daisy) with a great idea for Christmas Book Advent Calendars. It's a little late for me to sort for this year but it will be at the top of my 'To Do List' for next Christmas. The idea is that you get 24 Christmas themed books (or maybe mix it up with an activity or a project) and wrap them up for your little one(s) to open each day until Christmas... the opportunities this would open up for having fun in the minority language seem limitless.... Joyeux Noël everyone.
Tuesday, 6 December 2011
Bilingualism Should Equal Fun and Frolics and Not Stress and Hassle
Posted by Bonne Maman at 14:26
Labels: bilingualism, books, resources
2 comments:
hear hear! I also read that article and was happy to say I don't do any of those things with my kids. bilingualism is definitely fabulous!ReplyDelete
Thanks for mentioning our blog in your post. We are having a great time with our Christmas Book Advent this year. If you start an advent next year please let us know.ReplyDelete
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When you're trying to get yourself seen, there are a billion others doing the same.
Films are a tool of great power. They can pull crowds and enter hearts. In the digital times of today, films can make you and your brand go viral like a forest fire. A well-made film leaves a much more lasting impression than any other marketing gimmicks. Imagine the limitless possibilities that your brand can achieve with a film that tells your story well.
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As a film production house, at Mr. P Mediaworks we use our years of experience and versatile talent to produce digital films and content for your brand such as YouTube videos, viral content, product films, explainer films corporate films and much more.
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As the premier film production company in Rajasthan, we offer some game changing services using the latest technology and equipment, which are unique only to us. Some of these include:
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Researchers, PhD and MSc students, Post-docs and Faculties interested in learning on how to create value from their research activities
To support the aim to rapidly and effectively promote commercialization of new nanotechnology developments
Emerging Technologies initiative of UT Austin| Portugal CoLab is organizing a set of workshops focused on Value Creation from Emerging Knowledge, Communicating Technology to the Market and Going from the Lab to the Market.
Workshop 1, entitled Value@nano – Value Creation from Emerging Knowledge, will take place in Lisbon this December 5 – 7.
Value@nano is about raising awareness. The main topic of the workshop is the innovative transformation of knowledge into value with a specific focus on the commercialization of new technology. The workshop begins by examining concepts associated with technology commercialization and then takes a deeper dive into the channels value creation from emerging knowledge, namely contract research, licensing and spin-offs. A series of case studies will be presented throughout the workshop and practical exercise in ideation will be performed. Concepts are introduced that improve and accelerate the commercialization process, from decisions made by scientists at the research bench, through the development, patenting, and licensing of new technologies, to the formation of technology ventures.
Value@nano objectives include:
- To understand the key concepts and options in technology commercialization
- To understand how to assess technologies for their commercialization potential
- To understand the steps that a technology goes through in the journey from the laboratory to the marketplace
- To explore the commercialization channels leading to value creation from emerging knowledge
Details of the program at valuenano.web.ua.pt
Please register at valuenano.web.ua.pt
We hope to see you in Lisbon soon
Paula M. Vilarinho, U Aveiro, Portugal
Brian Korgel, UT Austin, USA


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Whenever human beings hear an ugly sound The Amygdala, which is the emotional part of the human's brain, modulates the activity of the auditory part of the mind so that our perception of the negative noise is heightened. This is why ugly sounds seem so intense.
Based on their research findings, online alarm clock service onlineclock.net has compiled a list of the world's top 10 most hated sounds, and 4 the most liked ones on the bases of their research. As like me and most people will agree the most disturbing sound come from alarm clock in the morning., there are other sounds equally or more disturbing. In this Infographic you find out what sounds people hate the most and liked as well,
Watch the video below (warning: commentator's voice is very annoying)
The Most Hated and Liked Sounds in the World
Courtesy of: onlineclock.net


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Personalised First Birthday Baby Onesie, Bodysuit, Romper
hese bodysuits are perfect for your little one- they're soft and comfortable all day long. Pure cotton makes it especially gentle on the skin.
•Product Shape: Bodysuit
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Leave the name you would like on the Bodysuit in the "any special requirements" box.
Please choose the size and style you would like in the drop down menu.
With this cute birthday outfit you have the option to ADD a matching Pink Headband to your order. To Add this option make sure you choose the ADD Headband if you don't want to add it choose NO Headband.
Please allow up to 10 working days to receive your order.
These Bodysuits are printed using state of the art technology and are made to last.
*Due to slight variances in printers and monitors, please note that ink colors on the final printed product may vary slightly from digital proof..


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Urban Design Cooperative, a group from the American Studies program at Colby College, is hosting their first "pitch it" party!
This event is designed to spark conversation and gain community feedback. Urban Design Cooperative will present proposals for community-oriented design projects in Waterville. The group is trying to make a difference with ideas like community garden networks, multi-functional creative studios, and dramatic new pedestrian pathways. They would like to hear what the community has to say about their ideas!
There will be light refreshments, so please RSVP!
Contact Ben Lisle at email@example.com to RSVP.


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This spinach and cheese casserole is another favorite for serving at Shavuot.
With its creamy potato base, this soup is a tradition on the table during Shavuot.
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The Jewish holiday, Shavuot, is rich in meaning for both Christians and Jews. Explore three major themes and lessons associated with this biblically mandated observance with our...


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Dobbie had been bringing home things that the baby wore in the hospital for Lexi to sniff. Lexi had a hat from the baby and a blanket from the baby. Dobbie said Lexi actually slept with her head on the blanket one night! With me being in the hospital for three days, I was worried Lexi was probably missing me and feeling upset already.
We brought the baby home, and we were nervous. I had read that the dog and baby should meet on "neutral" territory. We had Lexi come outside and we tried to introduce them in the driveway. Lexi was too excited to see me and that didn't really work out. So, we went inside and we set the peanut on the floor in her car seat. Lexi was really hesitant to go up to the car seat, but she did put her neck out and sniff the peanut. She had NO IDEA what this little thing was! Dobbie and I think that she thought it was some type of rodent. It didn't help that Baby Kay made little peeps and squeaks like a little mouse.
Lexi has been doing great. At first, she spent a LOT of time outside in the backyard. She didn't want to come in. My AMAZING mom stayed with us when we brought the baby home, and she spent lots of time loving Lexi up. She took her to the park and played with her in the backyard. I really think this helped Lexi get used to the new peanut. Lexi will sniff the baby's head or foot, but she keeps her distance. In the beginning, she growled once or twice, but not anymore. Now, she just stares at the peanut. She HATES when the baby cries, and she comes running to check it out.
Lexi is interested in the baby, but she is scared of her. I wonder when they will become friends. I hope Lexi comes around. She doesn't sleep in our room anymore and she doesn't seem as spunky. My poor Dudes.
|When I lay the baby down...
|Lexi is always close by.
We still love you, Dudes. Come back and sleep under the bed. Camp Lexi misses you. You are a good girl.


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Separate names with a comma.
Discussion in 'Taxidermy Forum' started by mossy44, Jun 29, 2017.
That's awesome.
That has to be one if not the best mounts I've ever seen. We see a lot of mallard like that but not pintail too much. Really doesn't matter what state your from, it's a gorgeous mount with an even better story to go with.
One of the best mounts ive ever seen, nice story too.
How cool is that! Thanks for sharing!
Dude that mount is amazing! I've been chasing a pintail for some years and never seen them during duck season. They seem to show up in massive numbers during the snow goose season though haha.
That is beautiful.
I have a very plain gadwall mounted that everyone wanders why. I was going through a pretty rough time in my life and a gentleman that I had only spoke with on line invited me on a hunt. He had been through a similar experience as I and could relate. We had 3 ducks fall into the hole and we had three shooters. He said take them and with what sounded like one shot all three fell dead. We all shot at the same time and somehow all picked a different duck and somehow we all hit our target. But really the mount reminds me of the friendship that was made and the hospitality that was give to me. An experience I will never forget. I also have a greenhead mounted from that trip. We were lined up on a creek and the first duck of the day was spotted making its way down the creek. It was approaching fro the opposite side from me and I expected the first guy to fire away. Both men to my left didn't shoulder their gun and let me have it. I've hunted with several that would have killed it before I knew it was there. Duck hunting the way it should be!
Cool story, beautiful birds, but never once seen pins do it like that. That's a mallard scene, not a pin scene
That's the point. As rare as it is, that was the pintail scene that day.
Great mount! But it looks like you are over the limit.
WOW! Awesome mount and even better story to go with the mount!


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The Midwest Archives Conference is soliciting applications for the 2015 Archie Motley Memorial Scholarship for Minority Students. The scholarship is designed to provide financial assistance to minority students pursuing graduate education in archival administration and to encourage ethnic diversification of the MAC membership and of the archival profession as a whole. Two $750 scholarships, accompanied by one-year memberships to MAC, will be awarded.
In order to be eligible for a scholarship, the applicant must be of African, American Indian, Asian or Pacific Islander, or Latino decent; must be a student currently enrolled in or accepted in a graduate, multicourse program in archival administration; and must have a grade point average of at least 3.0 (on a 4.0 scale) in his or her academic program. If the program is not listed in the SAA Directory of Archival Education, http://archivists.org/prof-education/edd-index.asp, the applicant must provide proof of the multicourse standard by submitting copies of course descriptions from the institution's current departmental catalog. Applicants are not required to be residents of or attend school in the MAC region.
Applications are available from the Archie Motley Memorial Scholarship for Minority Students Committee Chair, Alison Stankrauff, and from the MAC Web site. Applications must be postmarked by March 1.


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2 Payment for RMI access
You must be registered and logged in to ePortal for purchasing time based access to the repair and maintenance information:
- Start the Pay Per View application in ePortal.
- Select the shopping cart of the service to which you require access.
To get an overview of the order history click on [Show all requests]
- Select the Service to order.
- Select the License number (in case of DAVIE4)
- Select the time slot for which you require access. The price is shown in Euros.
- Click "Add to Shopping Cart" to add the service to the shopping cart.
Until you have confirmed the order by pushing the button "order", the item can still be deleted from your shopping cart.
- Select [Order] to start the payment procedure.
- Complete your purchase request in Ogone.
- Enter the name of the cardholder.
- Enter "Credit Card number" and "Card verification code" (see What is this for information about the card verification code)
- Confirm payment.
- After confirmation, the Pay Per View Request overview is shown.
- Close the Pay Per View application and click on [Home] to refresh the ePortal page.
Payment options
Payment options are available for obtaining access to the repair and maintenance applications, per hour, per day, per week, per month and per year.Overview


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I hoped to have it done before I wrote this blog but life got in the way (off to a great start with my resolutions, aren't I? LOL) however one of my resolutions is to write more blog posts even if the project is not complete yet. So here you get to see my work in progress.
I am using the Year Noted kit which is on special this month for only $10 for the pack plus an extra $5 for the mini album (bargain!).
So the albums are a new addition since the seasonal inspirations catalogue came out - they are available normally in Kraft or black and have plastic pocket sleeves. The first pocket is 6x4 then the next page has two pockets each 3x4 and it continues to alternate for the entire 10 pages.
Here are the contents of the year noted kit:
You may be able to see that the b&t paper is printed on one side to be able to be divided into 6x4 sections - the opposite side is all one pattern.
So I have divided my goals up into categories and called them : family adventures, CTMH goals, Health highlights and Scrapbooking snapshots. For each category I have created a title page and then a checklist of resolutions for that category.
I have left gaps for photos which are so important when creating a vision - I may use family photos but it can be just as powerful to use clippings from magazines.
I really like that the stamp set in this kit has a set of dotted lines for writing on which line up perfectly with a set of check boxes so you can either have a block of text or a check list. The arrows and the scallop banners are pretty cute too. Considering that C sized stamp sets are usually $21, the value of this set for only $10 which includes stamps, papers and stickers is pretty awesome.
So this little book is going to sit on my bedside table for me to look at before I go to sleep and when I wake up - it's a reminder to keep me on track through the year. I am going to include some blank pages at the back with just the heading 'accomplishments' so I can keep track of what I am accomplishing as I go.
The year noted set is only available until the end of this month with any purchase over $75.
I'd love to hear about your resolutions and what you do to keep them so leave me a comment!


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The Florida Gators came into the 2016 NCAA baseball tournament looking to avoid the same fate their softball counterparts suffered. The No. 1 national seed avoided that by winning the Gainesville Regional and advancing to the Super Regional for the sixth time in the last nine years.
The Gators pulled off the win in their region by rolling over Bethune-Cookman in the first game and then slipping past UConn in the second. They met up with the Georgia Tech Yellow Jackets in their final game and swung their way to a big 10-1 win.
They used a near-perfect execution of small-ball throughout the game, putting up seven runs across the fifth and sixth innings. In those innings, four different players put up RBIs with first baseman Peter Alonso bringing home three and designated hitter JJ Schwarz brought home two.
Florida will now host in-state rival Florida State for the Super Regional this weekend. That series begins on Friday, June 10.
Can't get enough of Campus Sports? Follow us on Twitter, Facebook and Instagram to stay updated with the latest news and exclusive giveaways!
*Featured Photo (above) credit to USA TODAY Sports


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This design was released for our 2005 Christmas Edition Kits and comes with two variations in the instructions. Both use the standard smocking design included in the packaging but use Christmas Themed thread choices and included additional embroidery and embellishments to make a truly spectacular Christmas Dress. Bows and Bells (shown on the Red Dress) has sweet little bows embroidered along the hem with tiny jingle bells attached so that every step brings Christmas Cheer.
NOTE: The Red dresses sold on special have a problem with colour running, which is why they are only $5 and have had the collars replaced. You could just as easily use this design on a white dress with equally stunning results.


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Normally I write the majority of the blog posts. But every now and again I like to step back and let someone else take the lead.
I encourage our staff to do this as much as possible. Write, that is. In school I was never a very good writer and I'm sure there's a few of you that are thinking to yourselves 'you still aren't very good!'
That's ok. I'm working on it. And I'm getting better.
And this helps me to be a better communicator. And hopefully a better coach.
So I want the same for our team.
Today I step aside and let Jordy share with you her experience from the Perform Better Summit in Long Beach, CA. Now in my best Tonight Show impression….'heeeeeeeeeeeeeeeeeeeeeere's Jordy!
The Okanagan Peak Performance crew and I went to a 3-day "Perform Better: Functional Training Summit" that took place in Long Beach, California from August 9-11. This conference included both lecture and hands-on sessions allowing us to not only listen to the speakers, but also take their information in our own hands. There were four sessions on at one time; two lectures and two hands on. However, the only problem with this is choosing which session to attend.
Do you go to the "one and only" Charlie Weingroff who was explaining "Joint Centration", or do you go to Martin Rooney for some hands-on "Energy System Training"? After a few rounds of flipping a coin, I ended up attending the hands-on session with Martin Rooney and would crown this session as one of my favorites! I love any kind of hands-on sessions where you get to move and stay active while learning and applying it to your own clients.
The best part of this session was the energy that Martine Rooney brought to the room! You could stand outside and across the street and you would still be able to hear his voice. His energy kept you motivated to put everything you've got into any exercise you did! His warm-up was definitely the best part. He would make us repeat these words that made us sound like cavemen, yelling "HOH…HAH…OHHH…YAAAA!" Wow did that ever work!
After all the yelling and screaming, we started a circuit using battling ropes, ladders, kettle bells and medicine balls. Lots of the exercises we do at our gym (heck yes our gym is up to date!). One of the new exercises we learned was a step up from a normal kettle bell swing. As you swing the kettle bell forward, once it reaches shoulder height, you add in a drop squat. Man, coordination is needed in this exercise! Very tough! But shockingly after round 1 and 2, I was sweating! Yeah I know what your thinking, "Jordy sweating….we need proof!" But I really was!!!!
Not only did this session make me sweat, but also it made me be aware of how a HIGH ENERGY trainer can make all the difference in the output of the client. The passionate energy of your trainer will pass on to their client's performance and motivate them to keep taking that next step forward!
Well said Jordy.
It's great to see our staff getting so much knowledge from presenters like Martin Rooney. He is an industry leader and works with everyone from UFC fighters to NFL players.
And Jordy's take-aways from this session were great. The warm-up is an essential part of the training program and can have a huge impact on the quality of the training that follows. Secondly, the energy of the coach or trainer can never be lacking. We always want to encourage our clients to do their best and know that we support them in all their efforts.
Stay tuned for more updates for the rest of the staff about their favourite sessions this summer.