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How can I connect with qualified tutoring in West Mifflin?
When you or a student in your family faces an academic challenge, the help of a West Mifflin, PA, tutor might be the answer. Our job is to get that tutor set up with you.
Setting up private lessons with a West Mifflin tutor is a breeze. We will provide you with some questions we want to know about to provide the right support. We use that information to build your customized learning plan, which you can use with your tutor to help you reach for your goals. We then search from over 40,000 tutors to find the best possible matches for you. All tutors go through an interview screening and a background check to enter our database.
How can a private West Mifflin, PA, tutor assist students in getting the most out of study sessions?
Are you having trouble keeping up with your classes at the Pittsburgh Institute of Aeronautics? Perhaps you have a child enrolled at West Mifflin Area High School who is struggling to grasp the material covered in their economics class. You can connect to a West Mifflin tutor who can effectively teach to your learning needs. Armed with a personalized learning plan, your tutor can take the time to get to know your interests, learning style, personality, and curriculum.
One-on-one tutoring in West Mifflin can serve as an invaluable resource to allow you the time and attention you need to develop your learning skills. Your tutor can create an environment that is engaging and safe. You can work at your own pace, choose what you want to focus your attention on, and ask questions without fear of reprisal. Private tutoring can help you build confidence in skills by providing ample opportunities for academic success using customized activities and assignments. Your tutor can regularly assess your understanding as you work and adjust their techniques to suit your ever-changing needs. They can help you prepare for any standardized exam, including the ACT, GRE, and LSAT. Your tutor can offer a variety of test-taking strategies that can help you feel confident in your time management skills.
You don't have to struggle to fit tutoring in West Mifflin around your schedule. Your tutor can meet you at your convenience, whether you'd like to meet in person or online.
Don't settle for less than your best! We can connect you with West Mifflin tutors to focus on your needs today!
I attended Buffalo State College to earn my bachelor's degree in early education, focusing on STEM education. I then went on to Canisius College to earn my master's degree in childhood education. As a tutor, I like to connect with my students and get to know them and their needs. This allows me to cater the way I teach to help students learn effectively. I tutor algebra, pre-algebra, elementary school math, middle school math, writing, reading, literature, public speaking, English grammar, study skills and organization, and test preparation. I can also work with gifted students and special needs students. In my free time, I like to exercise, read, hike, and get outdoors.
I love tutoring, and my inspiration comes from the progress my students make. I love it when students realize they like a subject after they understand it better and know how it relates to their daily life. When I work with students, they often have that moment were they light up because they understand something we've been studying. Overall my students have been very successful. I'm attending Niagara University for my undergraduate degree in math. I can tutor students in elementary math, algebra, geometry, trigonometry, calculus, advanced calculus, multivariable calculus, AP calculus BC, and physics. I enjoy tutoring calculus because it's a difficult subject and introduces students to new ideas. I enjoy explaining in ways that students can understand and helping them master the subject. I enjoy music very much. I play the saxophone and piano, and I'm in a jazz quintet. I also enjoy sports.
I love tutoring, and I have been doing it since I was 16 years old. It is enjoyable for me to see students make progress and develop an understanding of whatever it is we are studying. I have taken many difficult college courses, so I know what students are going through when they have difficulty with a topic. I also understand what a beneficial it can be to work with someone through the material you are struggling with at your own pace. I love working with kids, but my tutoring experience includes working with everyone from children to adults. There are a lot of expectations on today's students to perform well academically, and that can be difficult for students and parents alike to handle. When I work with a student, I am confident that I will help them improve their understanding and their grades by being patient, dedicated, and focused on their individual needs. My tutoring specialties include neuroscience, English, biology, and math. In my free time, I like to read, exercise, and play with my dog.

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how can i connect with qualified tutoring in west mifflin?
when you or a student in your family faces an academic challenge, the help of a west mifflin, pa, tutor might be the answer. our job is to get that tutor set up with you.
setting up private lessons with a west mifflin tutor is a breeze. we will provide you with some questions we want to know about to provide the right support. we use that information to build your customized learning plan, which you can use with your tutor to help you reach for your goals. we then search from over 40,000 tutors to find the best possible matches for you. all tutors go through an interview screening and a background check to enter our database.
how can a private west mifflin, pa, tutor assist students in getting the most out of study sessions?
are you having trouble keeping up with your classes at the pittsburgh institute of aeronautics? perhaps you have a child enrolled at west mifflin area high school who is struggling to grasp the material covered in their economics class. you can connect to a west mifflin tutor who can effectively teach to your learning needs. armed with a personalized learning plan, your tutor can take the time to get to know your interests, learning style, personality, and curriculum.
one-on-one tutoring in west mifflin can serve as an invaluable resource to allow you the time and attention you need to develop your learning skills. your tutor can create an environment that is engaging and safe. you can work at your own pace, choose what you want to focus your attention on, and ask questions without fear of reprisal. private tutoring can help you build confidence in skills by providing ample opportunities for academic success using customized activities and assignments. your tutor can regularly assess your understanding as you work and adjust their techniques to suit your ever-changing needs. they can help you prepare for any standardized exam, including the act, gre, and lsat. your tutor can offer a variety of test-taking strategies that can help you feel confident in your time management skills.
you don't have to struggle to fit tutoring in west mifflin around your schedule. your tutor can meet you at your convenience, whether you'd like to meet in person or online.
don't settle for less than your best! we can connect you with west mifflin tutors to focus on your needs today!
i attended buffalo state college to earn my bachelor's degree in early education, focusing on stem education. i then went on to canisius college to earn my master's degree in childhood education. as a tutor, i like to connect with my students and get to know them and their needs. this allows me to cater the way i teach to help students learn effectively. i tutor algebra, pre-algebra, elementary school math, middle school math, writing, reading, literature, public speaking, english grammar, study skills and organization, and test preparation. i can also work with gifted students and special needs students. in my free time, i like to exercise, read, hike, and get outdoors.
i love tutoring, and my inspiration comes from the progress my students make. i love it when students realize they like a subject after they understand it better and know how it relates to their daily life. when i work with students, they often have that moment were they light up because they understand something we've been studying. overall my students have been very successful. i'm attending niagara university for my undergraduate degree in math. i can tutor students in elementary math, algebra, geometry, trigonometry, calculus, advanced calculus, multivariable calculus, ap calculus bc, and physics. i enjoy tutoring calculus because it's a difficult subject and introduces students to new ideas. i enjoy explaining in ways that students can understand and helping them master the subject. i enjoy music very much. i play the saxophone and piano, and i'm in a jazz quintet. i also enjoy sports.
i love tutoring, and i have been doing it since i was 16 years old. it is enjoyable for me to see students make progress and develop an understanding of whatever it is we are studying. i have taken many difficult college courses, so i know what students are going through when they have difficulty with a topic. i also understand what a beneficial it can be to work with someone through the material you are struggling with at your own pace. i love working with kids, but my tutoring experience includes working with everyone from children to adults. there are a lot of expectations on today's students to perform well academically, and that can be difficult for students and parents alike to handle. when i work with a student, i am confident that i will help them improve their understanding and their grades by being patient, dedicated, and focused on their individual needs. my tutoring specialties include neuroscience, english, biology, and math. in my free time, i like to read, exercise, and play with my dog.


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Locksmith Crosby TX Licensed experts in Car Key Replacement Lockouts, Auto, Residential and Commercial Crosby, TX Locksmith Services call (832) 525-9000. Hirsh Memorial Park located on North Houston Avenues features great park amenities. Built in 1944, this park overs a recreation center, playground equipment, swimming pool, panic areas, basketball courts, tennis courts, and public restrooms. To learn more about the history of Humble, TX visit the Humble Museum, which is located close by. The Museum houses stories, photos, and historical artifacts depicting the vibrant history of Humble, TX.
Is your ignition key broken, damaged, or stuck? Keys 4 Cars can help you with that. With additional services such as emergency locksmith and roadside assistance, we are here for you 24 hours a day, 7 days a week. Our experts can replace any lost, stolen, or broken key.
Our team of residential locksmiths have several years of experience performing such home services such as recode digital systems, unlock deadbolts, recode digital devices, install deadbolts, replace, repair, or install patio door locks, and recode digital keypads, among others.
If you are experiencing an emergency, Keys 4 Cars is here to assist you. We can help if your keys are lost or you are locked out of your home or business. Or if you would like additional security, we can help you too. We can repair broken locks and remove stuck keys in lock with the safest methods so we don’t do any damage to your door lock system. Our technicians are trained to remain up to date with the latest and safest lock security. We can install deadbolts, master keying systems, and panic bars and exit devices.
Keep our number handy in your cell phone or written down in your wallet for all locksmith issues. We are here to provide with the best possible customer service and highest rated locksmith services in the area.

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locksmith crosby tx licensed experts in car key replacement lockouts, auto, residential and commercial crosby, tx locksmith services call (832) 525-9000. hirsh memorial park located on north houston avenues features great park amenities. built in 1944, this park overs a recreation center, playground equipment, swimming pool, panic areas, basketball courts, tennis courts, and public restrooms. to learn more about the history of humble, tx visit the humble museum, which is located close by. the museum houses stories, photos, and historical artifacts depicting the vibrant history of humble, tx.
is your ignition key broken, damaged, or stuck? keys 4 cars can help you with that. with additional services such as emergency locksmith and roadside assistance, we are here for you 24 hours a day, 7 days a week. our experts can replace any lost, stolen, or broken key.
our team of residential locksmiths have several years of experience performing such home services such as recode digital systems, unlock deadbolts, recode digital devices, install deadbolts, replace, repair, or install patio door locks, and recode digital keypads, among others.
if you are experiencing an emergency, keys 4 cars is here to assist you. we can help if your keys are lost or you are locked out of your home or business. or if you would like additional security, we can help you too. we can repair broken locks and remove stuck keys in lock with the safest methods so we don’t do any damage to your door lock system. our technicians are trained to remain up to date with the latest and safest lock security. we can install deadbolts, master keying systems, and panic bars and exit devices.
keep our number handy in your cell phone or written down in your wallet for all locksmith issues. we are here to provide with the best possible customer service and highest rated locksmith services in the area.


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The below list is a selected “terminology” for data integrators using “Infomatica”as a tool. These questions and explantions help you understand the complete information about frequently used terms.
agile development – Agile development is a philosophy and a set of modernized software development practices in which development teams focus on software quality and responsiveness to changing business needs.
agile integration – Agile integration is a software development practice that favors short, continuous code releases over longer cycles in an attempt to minimize instability and complexity when releasing software.
agile methodology – There are many specific practices and not all software development teams implement all the practices. However, all agile development teams subscribe to the core tenets, which revolve around short, iterative changes and frequent builds in order to make the development process responsive and adaptive to changing requirements. Agile developers believe that making the customer/business happy is more important than executing a long-range plan.

lowercased:
the below list is a selected “terminology” for data integrators using “infomatica”as a tool. these questions and explantions help you understand the complete information about frequently used terms.
agile development – agile development is a philosophy and a set of modernized software development practices in which development teams focus on software quality and responsiveness to changing business needs.
agile integration – agile integration is a software development practice that favors short, continuous code releases over longer cycles in an attempt to minimize instability and complexity when releasing software.
agile methodology – there are many specific practices and not all software development teams implement all the practices. however, all agile development teams subscribe to the core tenets, which revolve around short, iterative changes and frequent builds in order to make the development process responsive and adaptive to changing requirements. agile developers believe that making the customer/business happy is more important than executing a long-range plan.


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Are you tired of the clogged drain in your bathroom? Has the sink not been draining at a regular speed? Does your yard flood every time it rains? You may need a Canoga Park plumbing specialist! At Titan Brother’s Plumbing and Rooter Services, we are proud to offer trusted plumbing work to residences and businesses throughout the Canoga Park area, and we may be able to help you, too. We are proud to have 10 years of experience in providing outstanding customer service and speedy plumbing repair.
If you need drain services in Canoga Park, call our experienced plumbers at Titan Brother’s Plumbing and Rooter Services at (818) 435-3776 for a free estimate.
Having a drain that is working properly is essential to ensuring that larger disasters do not happen. If a drain is not flowing, flooding could be imminent. The blockage could be a simple bit of food or other materials that are easy to address or could be a much more significant problem. Having the right plumber can help identify issues with pipes, traps, and fixtures.
When you work with Titan Brother’s Plumbing and Rooter Services, we can determine where the clog is and discuss the best possible way to fix the drainage issue. If you suspect a clogged drain, call our Canoga Park plumbing team right away.
At Titan Brother’s Plumbing and Rooter Services, we are proud to say that our services are always 100% satisfaction guaranteed. We offer free camera inspections to help identify drain issues and use eco-friendly drain cleaning solutions. Our office has a 24/7 response, so no matter the time of day, do not hesitate to call for emergencies.
To schedule a free estimate for drain services in Canoga Park, call our Titan Brother’s Plumbing and Rooter Services at (818) 435-3776.

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are you tired of the clogged drain in your bathroom? has the sink not been draining at a regular speed? does your yard flood every time it rains? you may need a canoga park plumbing specialist! at titan brother’s plumbing and rooter services, we are proud to offer trusted plumbing work to residences and businesses throughout the canoga park area, and we may be able to help you, too. we are proud to have 10 years of experience in providing outstanding customer service and speedy plumbing repair.
if you need drain services in canoga park, call our experienced plumbers at titan brother’s plumbing and rooter services at (818) 435-3776 for a free estimate.
having a drain that is working properly is essential to ensuring that larger disasters do not happen. if a drain is not flowing, flooding could be imminent. the blockage could be a simple bit of food or other materials that are easy to address or could be a much more significant problem. having the right plumber can help identify issues with pipes, traps, and fixtures.
when you work with titan brother’s plumbing and rooter services, we can determine where the clog is and discuss the best possible way to fix the drainage issue. if you suspect a clogged drain, call our canoga park plumbing team right away.
at titan brother’s plumbing and rooter services, we are proud to say that our services are always 100% satisfaction guaranteed. we offer free camera inspections to help identify drain issues and use eco-friendly drain cleaning solutions. our office has a 24/7 response, so no matter the time of day, do not hesitate to call for emergencies.
to schedule a free estimate for drain services in canoga park, call our titan brother’s plumbing and rooter services at (818) 435-3776.


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This stunning big girl is 'Bounty', so named because her hand-dyed colours remind us of the delicious blend of toasted coconut and milk chocolate.
Bounty is made entirely from a divine long pile alpaca. Her head and belly are dyed the delicious lighter creamy colouring with a blushed backing, and her limbs, ears and chest are cut from a mottled blend of the same creams with chocolate and grey swirls. She is fully T-pin jointed and stuffed with polyfill and bead shot (glass and steel). We've left her with a bit of a cuddly feel to her belly so you can enjoy holding her. She really is a beautiful tactile experience - if you have not had the chance to experience Alpaca you are in for a treat.
Bounty looks out through large black glass eyes and has a hand embroidered chocolate perle cotton nose. We've also hand embroidered/pulled her claw detailing on both her hands and feet and shaded her with silk-dye.
We couldn't decide which necklace looked better, so Bounty comes with both (both fully removable).
She is a one of a kind bear.

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this stunning big girl is 'bounty', so named because her hand-dyed colours remind us of the delicious blend of toasted coconut and milk chocolate.
bounty is made entirely from a divine long pile alpaca. her head and belly are dyed the delicious lighter creamy colouring with a blushed backing, and her limbs, ears and chest are cut from a mottled blend of the same creams with chocolate and grey swirls. she is fully t-pin jointed and stuffed with polyfill and bead shot (glass and steel). we've left her with a bit of a cuddly feel to her belly so you can enjoy holding her. she really is a beautiful tactile experience - if you have not had the chance to experience alpaca you are in for a treat.
bounty looks out through large black glass eyes and has a hand embroidered chocolate perle cotton nose. we've also hand embroidered/pulled her claw detailing on both her hands and feet and shaded her with silk-dye.
we couldn't decide which necklace looked better, so bounty comes with both (both fully removable).
she is a one of a kind bear.


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Furthermore if you have restricted movement in a given joint your body will automatically compensate for the lack of movement elsewhere leading to secondary injuries. This is the basis of all the dysfunctional movement patterns we end up seeing in our clinics every day.
Gentle joint mobilisation techniques can be applied by our physios to restore normal movement of your stiff, achy joints. In cases where joints are very stiff a manipulation may be required. This is where the joint is carefully positioned by the therapist and gently thrusted to restore full movement. Often the patient will feel or hear a small pop or click as the joint is manipulated.

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furthermore if you have restricted movement in a given joint your body will automatically compensate for the lack of movement elsewhere leading to secondary injuries. this is the basis of all the dysfunctional movement patterns we end up seeing in our clinics every day.
gentle joint mobilisation techniques can be applied by our physios to restore normal movement of your stiff, achy joints. in cases where joints are very stiff a manipulation may be required. this is where the joint is carefully positioned by the therapist and gently thrusted to restore full movement. often the patient will feel or hear a small pop or click as the joint is manipulated.


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This lovely colorway of hand dyed yarn is inspired by the castle and the icon. Shades of pale, silvery blues with speckles of light blue and gray.
The last photograph shows "Cinderella's Castle" with "Spaceship Earth" both are inspired by my recent trip to Orlando.

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this lovely colorway of hand dyed yarn is inspired by the castle and the icon. shades of pale, silvery blues with speckles of light blue and gray.
the last photograph shows "cinderella's castle" with "spaceship earth" both are inspired by my recent trip to orlando.


text: Renewable energy sources, such as wind energy and photovoltaic (PV) energy, are widely used as stand-alone power systems supplying different electrical loads in rural and remote areas. Solar Energy, radiation produced by nuclear fusion reactions deep in the Sun’s core The Sun provides almost all the heat and light Earth receives and therefore sustains every living being. These sources are of intermittent nature and, therefore, the stand alone power systems should include storage battery banks. Therefor the implementation of the battery and the PV system should be done through a charge controller. An efficient charge controller can be used to do the battery charging and discharging process faster and better. The charge controller is designed with a view to decrease the battery charging time, protect the battery from over charge and deep discharge. Photovoltaic solar systems can be divided into two basic categories – On grid (connected to the electrical grid) and off-grid (also stand alone or isolated) solar systems. The grid connected systems feed the electricity produced by solar panels to the grid using an inverter. When the electricity is needed during night or periods with little sunlight, the energy is taken back from grid. In isolated systems, the excess electricity is usually stored in battery during the day and battery is used to power the appliances in times when photovoltaic panels do not produce enough energy. In this field must say that the most important component in the off-grid systems is the charge controller. The main responsibilities of the charge controller are performance and durability functions. Charge controller is also named a solar regulator as it coordinates and regulates the main components of the system which are the PV generator, battery and loads. Usually the voltage of the charge controller is 12/24V and 48V which matches the batteries' voltage. There are two main types of charge controllers: PWM and MPPT. The charging mode is the main difference between the two types. PWM charge controllers use the Pulse-Width-Modulation technique while the MPPT controller uses the Maximum Power Point Tracking technique which gives 30% more energy than the PWM controller. In this project, the PV system will be connected to the Charge controller that will be designed, then the battery will be connected to the charge controller, and the load (in this project will be a DC load) which will be connected to the charge controller also. The charge controller in this case will control the power flow from the PV system to the load and the power flow to and from the battery. Between the PV system and the charge controller will be a solid switches or a contractor, also a switches will be inserted between the charge controller and the battery and between the charge controller and the load, all these switches will be controlled from the micro controller that used in the charge controller, in this project will be Arduino. The aim from this project is to control the PV system through the internet and getting complete information about the battery state and the load power consumption, energy produced from the PV system, Energy saved in the batteries. The charge controller will protect the battery from over charge and deep discharge, if the battery reaches the full state of charge the controller will disconnect the power that comes from the PV cells, and when its charge falls down the controller will reconnect the PV system to the battery. Also when the charge of the battery falls down to the desired value the controller will disconnect the load to protect the battery from deep discharge, if the deep discharge occurs to the lead acid battery, the life time of this battery will be affected directly and it will be damaged. Voltage and current sensors will be inserted between the PV system, the battery, the load and the charge controller, which gives us the ability to deal with the system and controlling it.

lowercased: renewable energy sources, such as wind energy and photovoltaic (pv) energy, are widely used as stand-alone power systems supplying different electrical loads in rural and remote areas. solar energy, radiation produced by nuclear fusion reactions deep in the sun’s core the sun provides almost all the heat and light earth receives and therefore sustains every living being. these sources are of intermittent nature and, therefore, the stand alone power systems should include storage battery banks. therefor the implementation of the battery and the pv system should be done through a charge controller. an efficient charge controller can be used to do the battery charging and discharging process faster and better. the charge controller is designed with a view to decrease the battery charging time, protect the battery from over charge and deep discharge. photovoltaic solar systems can be divided into two basic categories – on grid (connected to the electrical grid) and off-grid (also stand alone or isolated) solar systems. the grid connected systems feed the electricity produced by solar panels to the grid using an inverter. when the electricity is needed during night or periods with little sunlight, the energy is taken back from grid. in isolated systems, the excess electricity is usually stored in battery during the day and battery is used to power the appliances in times when photovoltaic panels do not produce enough energy. in this field must say that the most important component in the off-grid systems is the charge controller. the main responsibilities of the charge controller are performance and durability functions. charge controller is also named a solar regulator as it coordinates and regulates the main components of the system which are the pv generator, battery and loads. usually the voltage of the charge controller is 12/24v and 48v which matches the batteries' voltage. there are two main types of charge controllers: pwm and mppt. the charging mode is the main difference between the two types. pwm charge controllers use the pulse-width-modulation technique while the mppt controller uses the maximum power point tracking technique which gives 30% more energy than the pwm controller. in this project, the pv system will be connected to the charge controller that will be designed, then the battery will be connected to the charge controller, and the load (in this project will be a dc load) which will be connected to the charge controller also. the charge controller in this case will control the power flow from the pv system to the load and the power flow to and from the battery. between the pv system and the charge controller will be a solid switches or a contractor, also a switches will be inserted between the charge controller and the battery and between the charge controller and the load, all these switches will be controlled from the micro controller that used in the charge controller, in this project will be arduino. the aim from this project is to control the pv system through the internet and getting complete information about the battery state and the load power consumption, energy produced from the pv system, energy saved in the batteries. the charge controller will protect the battery from over charge and deep discharge, if the battery reaches the full state of charge the controller will disconnect the power that comes from the pv cells, and when its charge falls down the controller will reconnect the pv system to the battery. also when the charge of the battery falls down to the desired value the controller will disconnect the load to protect the battery from deep discharge, if the deep discharge occurs to the lead acid battery, the life time of this battery will be affected directly and it will be damaged. voltage and current sensors will be inserted between the pv system, the battery, the load and the charge controller, which gives us the ability to deal with the system and controlling it.


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See video portraits from 100% Foreign? here.
100% FOREIGN? adds a new chapter to Denmark’s history by collecting and displaying personal stories from and about Danish citizens with refugee background – stories about being an individual in today’s Denmark.
100% FOREIGN? is a documentary art project, which by end of 2019 will comprise 300 portraits, 300 interviews and 300 voices belonging to 300 statistically selected citizens, who since 1956 have arrived in Denmark as refugees. Behind the project is Metropolis and curator/photographer Maja Nydal Eriksen.
The exhibition 100% FREMMED? with the first 100 portraits from the greater Copenhagen area was created for Metropolis in 2017. It was shown at Copenhagen Town Hall as well as at several outdoor venues in Copenhagen and was visited by more than 100,000 people.
Thanks to support from Nordea-fonden the exhibition is now set to travel to 20 towns across the country in 2018 and 2019. In each town, 10 portraits of local citizens with refugee background are added to the exhibition. Thus, the history of Denmark is updated with alternative and diverse stories.
On its tour around the country, the exhibition is accompanied by some of the people portrayed. They share their stories and lead debates and educational events, all of which add other perspectives and stories to the Danishness debate.
It is becoming increasingly difficult to create a story which is characteristic for Denmark, while at the same time promoting the community. Opinion-makers regularly try to capture Danishness through references to certain kinds of food, leisure activities, historical events and Danish landscapes, but we rarely ask those who are at the centre of the debate what they mean. 100% FREMMED? does exactly that.
Thus, the exhibition presents a number of very different stories about living in today’s Denmark. They show how one’s nationality is just one of many reasons to feel foreign, and they focus on what we have in common across social, cultural and national boundaries.
The people featured in the exhibition have been selected on basis of figures from Statistics Denmark in order to represent the 161,000 people from primarily 29 different countries who have been granted asylum in Denmark during the past 60 years. The oldest participant arrived from Hungary in 1956, and the most recent ones escaped from the civil war in Syria.
The 10 new participants from each town are selected on basis of local statistics. The portraits show the people behind the statistics and they serve to remind us that behind the figures there is an infinite number of fates. The original 100 photos were done with Tivoli as backdrop with Tivoli as a place that connects global and Danish culture.
The 200 new photos will portray the participants in settings characteristic for the 20 towns, often with a cultural/historic influence and connections between the national and the global. For example the Vikingship Museum in Roskilde, the King Christian X Bridge in Sønderborg, and fishermen’s houses in Skagen. In doing so, 100% FREMMED? contributes with a contemporary story about Denmark as a supplement to the traditional depiction of romantic nationalism.
Tour and activities 2018-19 are supported by Nordea-fonden and the individual municipalities and collaborators.
Follow the project on www.100pctfremmed.dk / #100%fremmed?

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see video portraits from 100% foreign? here.
100% foreign? adds a new chapter to denmark’s history by collecting and displaying personal stories from and about danish citizens with refugee background – stories about being an individual in today’s denmark.
100% foreign? is a documentary art project, which by end of 2019 will comprise 300 portraits, 300 interviews and 300 voices belonging to 300 statistically selected citizens, who since 1956 have arrived in denmark as refugees. behind the project is metropolis and curator/photographer maja nydal eriksen.
the exhibition 100% fremmed? with the first 100 portraits from the greater copenhagen area was created for metropolis in 2017. it was shown at copenhagen town hall as well as at several outdoor venues in copenhagen and was visited by more than 100,000 people.
thanks to support from nordea-fonden the exhibition is now set to travel to 20 towns across the country in 2018 and 2019. in each town, 10 portraits of local citizens with refugee background are added to the exhibition. thus, the history of denmark is updated with alternative and diverse stories.
on its tour around the country, the exhibition is accompanied by some of the people portrayed. they share their stories and lead debates and educational events, all of which add other perspectives and stories to the danishness debate.
it is becoming increasingly difficult to create a story which is characteristic for denmark, while at the same time promoting the community. opinion-makers regularly try to capture danishness through references to certain kinds of food, leisure activities, historical events and danish landscapes, but we rarely ask those who are at the centre of the debate what they mean. 100% fremmed? does exactly that.
thus, the exhibition presents a number of very different stories about living in today’s denmark. they show how one’s nationality is just one of many reasons to feel foreign, and they focus on what we have in common across social, cultural and national boundaries.
the people featured in the exhibition have been selected on basis of figures from statistics denmark in order to represent the 161,000 people from primarily 29 different countries who have been granted asylum in denmark during the past 60 years. the oldest participant arrived from hungary in 1956, and the most recent ones escaped from the civil war in syria.
the 10 new participants from each town are selected on basis of local statistics. the portraits show the people behind the statistics and they serve to remind us that behind the figures there is an infinite number of fates. the original 100 photos were done with tivoli as backdrop with tivoli as a place that connects global and danish culture.
the 200 new photos will portray the participants in settings characteristic for the 20 towns, often with a cultural/historic influence and connections between the national and the global. for example the vikingship museum in roskilde, the king christian x bridge in sønderborg, and fishermen’s houses in skagen. in doing so, 100% fremmed? contributes with a contemporary story about denmark as a supplement to the traditional depiction of romantic nationalism.
tour and activities 2018-19 are supported by nordea-fonden and the individual municipalities and collaborators.
follow the project on www.100pctfremmed.dk / #100%fremmed?


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FORGE is a high intensity joint structure and full core strengthening class. This class pushes muscular and connective tissue endurance while providing an intense low impact routine. Utilizing the GTS, TRX bands and your own bodyweight you will strengthen and improve body awareness and coordination. Multiple muscle contraction variants are used; isotonic (same tension), isometric(not moving) and isokinetic (same speed) to help forge a better performing and conditioned body structure. The entire program can be modified and incorporated into any rehabilitation program if desired.
* Contact the gym for more information and class times.

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forge is a high intensity joint structure and full core strengthening class. this class pushes muscular and connective tissue endurance while providing an intense low impact routine. utilizing the gts, trx bands and your own bodyweight you will strengthen and improve body awareness and coordination. multiple muscle contraction variants are used; isotonic (same tension), isometric(not moving) and isokinetic (same speed) to help forge a better performing and conditioned body structure. the entire program can be modified and incorporated into any rehabilitation program if desired.
* contact the gym for more information and class times.


text:
Boys & Girls Clubs of Toledo - Meyer Hill Lynch.
The MHL Team was excited that “Barefoot at the Beach” was the 1st Act of Kindness for our 30th anniversary celebration.
One of the largest fundraisers in the Toledo area, Barefoot at the Beach raises critical money to support the Boys & Girls Clubs of Toledo programs for central city Toledo children.
This one-of-a-kind event unfolds on a relaxing summer evening on the beach with over 1,600 attendees enjoying a night of fun, food, and entertainment.
So many wonderful restaurants were represented and the live music was great …. and it was all topped off by a spectacular fireworks show! We’re already looking forward to next year.
For more information about this event and The Boys & Girls Clubs, please visit www.barefootatthebeach.org.

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boys & girls clubs of toledo - meyer hill lynch.
the mhl team was excited that “barefoot at the beach” was the 1st act of kindness for our 30th anniversary celebration.
one of the largest fundraisers in the toledo area, barefoot at the beach raises critical money to support the boys & girls clubs of toledo programs for central city toledo children.
this one-of-a-kind event unfolds on a relaxing summer evening on the beach with over 1,600 attendees enjoying a night of fun, food, and entertainment.
so many wonderful restaurants were represented and the live music was great …. and it was all topped off by a spectacular fireworks show! we’re already looking forward to next year.
for more information about this event and the boys & girls clubs, please visit www.barefootatthebeach.org.


text:
Everton are looking to sign Lokomotiv Moscow star Oumar Niasse in a £13.5mi deal before the January transfer window closes later today, BBC reports.
The 25-year-old is believed to be on the verge of undergoing a medical with the Premier League club as manager Roberto Martinez looks to increase his options in attack.
He already sanctioned the £8.5m sale of Steven Naismith to Norwich City this month, while winger Aiden McGeady is closing in on a loan spell to the Championship.
Niasse is undergoing talks in hopes that he can agree personal terms with the Toffees in order to secure his dream move to the English top flight.
The forward was voted the Russian Premier League’s player of 2015 after managing to register 12 goals from a total of 21 appearances for Lokomotiv.
He was also linked with other clubs in England, but is highly tipped to finalise the terms of his switch to Goodison Park later today.

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everton are looking to sign lokomotiv moscow star oumar niasse in a £13.5mi deal before the january transfer window closes later today, bbc reports.
the 25-year-old is believed to be on the verge of undergoing a medical with the premier league club as manager roberto martinez looks to increase his options in attack.
he already sanctioned the £8.5m sale of steven naismith to norwich city this month, while winger aiden mcgeady is closing in on a loan spell to the championship.
niasse is undergoing talks in hopes that he can agree personal terms with the toffees in order to secure his dream move to the english top flight.
the forward was voted the russian premier league’s player of 2015 after managing to register 12 goals from a total of 21 appearances for lokomotiv.
he was also linked with other clubs in england, but is highly tipped to finalise the terms of his switch to goodison park later today.


text:
Changelly is a platform that provides you with a possibility to convert ETC to NEO in a few clicks. We act as an intermediary between crypto exchanges and users, offering easy and fast swaps of 130+ cryptocurrencies online. And ETC/NEO crypto trade pair is not an exception! Choose these crypto assets at the best rates for a seamless and fastest exchange on Changelly.
Changelly provides its customers with a fast, secure and user-friendly cryptocurrency exchange service. There is only one reasonable fee 0.5% for ETC to NEO exchange along with a standard network fee. Thus, the more favorable rate the user gets, the more Changelly earns. We partner with the best exchanges in the crypto world such as Binance, Poloniex, Bittrex, HitBTC and others that charge us with the lowest ETC/NEO fees. Every second we send a request to each exchange platform with a view of finding the best available rate on the market for your ETC to NEO exchange transaction.

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changelly is a platform that provides you with a possibility to convert etc to neo in a few clicks. we act as an intermediary between crypto exchanges and users, offering easy and fast swaps of 130+ cryptocurrencies online. and etc/neo crypto trade pair is not an exception! choose these crypto assets at the best rates for a seamless and fastest exchange on changelly.
changelly provides its customers with a fast, secure and user-friendly cryptocurrency exchange service. there is only one reasonable fee 0.5% for etc to neo exchange along with a standard network fee. thus, the more favorable rate the user gets, the more changelly earns. we partner with the best exchanges in the crypto world such as binance, poloniex, bittrex, hitbtc and others that charge us with the lowest etc/neo fees. every second we send a request to each exchange platform with a view of finding the best available rate on the market for your etc to neo exchange transaction.


text:
Disney's Adventure land provides quite a lot of attention-grabbing adventures to its guests. You can climb a tree, fly over the wilderness, discover the jungle, sail on the top seas and consult with a tropical island the place birds communicate and sing. So, for those who like to revel in those adventures then be in Adventure land. Except those adventures, you’ll be happy to look the unique atmosphere of the Caribbean.
Book upfront the Adventure land tickets, in order that you want to not stand in an extended queue for tickets. This delusion land of storybook will no doubt caste a spell on you and will make you omit the harsh realities of existence.
The characters like Aladdin, Jasmine, Genie, Peter Pan, Wendy, Captain Hook, Rafiki and different Disney characters will create the complete setting, an ideal dream land. You will newly uncover the childlike thoughts that prevails within you. Thanks to Walt Disney for developing one of these beautiful position in Walt Disney World Resort.
Jungle Cruise, Pirates of the Caribbean, the Magic Carpets of Aladdin, and so forth are the hottest sights in Adventure land.
The theme park Cypress Gardens is situated in Winter Haven, Florida in the United States. The water ski presentations and Southern Belles make this position extra lovely. Numerous exciting rides additionally comprises its nice options.
The Roller Coasters come with Fiesta Express, Triple Hurricane, Galaxy Spin, Star liner, and so on. Apart from Roller Coasters, thrill rides like Power Surge, Yo-Yo, Thunderbolt, and so forth are the hottest rides of the park.
The gorgeous lawn and its exciting rides draw unending vacationer annually. Elements like Southern belles in hoop skirts and water ski presentations have been assimilated into the park, which had best single-handedly trusted the trap of its undeniably manicured, if now not gorgeous botanical gardens.
Walt Disney World tickets will carry your approach the maximum going down occasions of your existence. Your circle of relatives particularly your children will no doubt in finding it glorious to spend time in Disney World.
Previous How to Get Started Writing Children's Books!

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disney's adventure land provides quite a lot of attention-grabbing adventures to its guests. you can climb a tree, fly over the wilderness, discover the jungle, sail on the top seas and consult with a tropical island the place birds communicate and sing. so, for those who like to revel in those adventures then be in adventure land. except those adventures, you’ll be happy to look the unique atmosphere of the caribbean.
book upfront the adventure land tickets, in order that you want to not stand in an extended queue for tickets. this delusion land of storybook will no doubt caste a spell on you and will make you omit the harsh realities of existence.
the characters like aladdin, jasmine, genie, peter pan, wendy, captain hook, rafiki and different disney characters will create the complete setting, an ideal dream land. you will newly uncover the childlike thoughts that prevails within you. thanks to walt disney for developing one of these beautiful position in walt disney world resort.
jungle cruise, pirates of the caribbean, the magic carpets of aladdin, and so forth are the hottest sights in adventure land.
the theme park cypress gardens is situated in winter haven, florida in the united states. the water ski presentations and southern belles make this position extra lovely. numerous exciting rides additionally comprises its nice options.
the roller coasters come with fiesta express, triple hurricane, galaxy spin, star liner, and so on. apart from roller coasters, thrill rides like power surge, yo-yo, thunderbolt, and so forth are the hottest rides of the park.
the gorgeous lawn and its exciting rides draw unending vacationer annually. elements like southern belles in hoop skirts and water ski presentations have been assimilated into the park, which had best single-handedly trusted the trap of its undeniably manicured, if now not gorgeous botanical gardens.
walt disney world tickets will carry your approach the maximum going down occasions of your existence. your circle of relatives particularly your children will no doubt in finding it glorious to spend time in disney world.
previous how to get started writing children's books!


text: SIBATA Class A, TC Micro Volumetric Flasks meet ASTM E-237 Class A, Style I Specifications. These flasks feature machine-blown bodies and heavy-beaded, heavy-tubing necks, tooled for ST stoppers. The graduation line is sharp and permanent; large, white, block-letters allow the labeling to be easily read. Both sizes feature hexagonal bases for added stability and are supplied with a glass ST stopper.

lowercased: sibata class a, tc micro volumetric flasks meet astm e-237 class a, style i specifications. these flasks feature machine-blown bodies and heavy-beaded, heavy-tubing necks, tooled for st stoppers. the graduation line is sharp and permanent; large, white, block-letters allow the labeling to be easily read. both sizes feature hexagonal bases for added stability and are supplied with a glass st stopper.


text:
Find your shoe size to determine your sock size.
Thank your feet for carrying you through all those miles by slipping them into the Balega Enduro V-Tech Low Cut Running Sock for your next run. These socks do everything they can to help eliminate blisters. Its V-Tech Arch Support System hugs the midfoot keeping it secure while the reinforced, extra-deep heel pocket locks the heel in while leaving your toes with room to move. A seamless toe removes a hot spot and optimal cushioning helps with impact resistance for a softer stride. All together, the Enduro V-Tech offers a comfortable, cushioned ride for your feet as you continue to log miles.

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find your shoe size to determine your sock size.
thank your feet for carrying you through all those miles by slipping them into the balega enduro v-tech low cut running sock for your next run. these socks do everything they can to help eliminate blisters. its v-tech arch support system hugs the midfoot keeping it secure while the reinforced, extra-deep heel pocket locks the heel in while leaving your toes with room to move. a seamless toe removes a hot spot and optimal cushioning helps with impact resistance for a softer stride. all together, the enduro v-tech offers a comfortable, cushioned ride for your feet as you continue to log miles.


text:
ATTENTION ALL FILMMAKERS AND FILM LOVERS!
TAP-LA is proud to present the 1st Annual Taiwanese American Film Festival on July 8, 2017 at the beautiful Downtown Independent in DTLA! This one-day event will celebrate and showcase new, up and coming Taiwanese American and Taiwanese cinema talent.
The Film Festival will present short films and mediaworks by Taiwanese and Taiwanese American makers. The Festival’s highlights will include an Awards Ceremony and Closing Celebration, an industry panel, and a variety of food and drink vendors plus art and music attractions.
The Festival’s ultimate goal is to create a platform for a growing cinema community and to help emerging filmmakers in their next cinematic venture.
CALL FOR ENTRIES ARE NOW CLOSED.
The Taiwanese American Film Festival recognizes filmmaking achievement through presentation of juried and balloted awards.
Presented to a short film that demonstrates overall excellence in content and cinematic technique. $2500 cash prize towards recipient’s next cinematic production.
Presented to a short film that demonstrates an innovative way to highlight Taiwanese culture and/or issues. $1000 cash prize towards recipient’s next cinematic production.
Presented to an audience favorite film, as chosen by audience ballot from each of the screening blocks. Prizes will be sponsored by announced filmmaking resources – Value $500 for each recipient.
The Taiwanese American Film Festival accepts short films and mediaworks by and/or about Taiwanese with themes involving, but NOT limited to, Taiwanese American and/or Taiwanese diasporic culture, history and experiences.
Currently we are accepting short films, music videos and/or mediaworks under 25 mins in length that have been produced after January 1, 2015. All genres are eligible for consideration.
All awards will be presented at the Awards Ceremony of the Festival.
ALL invited short films and digital submissions will be screened as D-Cinema and will be converted into a Digital Cinema Package (DCP) covered by the Festival.
35mm film, HDCam, Mini DV, Digibeta, Blu-ray, and DVD are not acceptable for exhibition.
Exhibition formats of invited entries must be sent to the Festival to arrive by June 8, 2017.
The Film Festival accepts all entry materials electronically; in an effort to be environmentally responsible, physical DVD screeners are strongly discouraged. Physical submission materials will not be returned.
In U.S. funds, payable to TAIWANESE AMERICAN PROFESSIONAL OF LOS ANGELES.
If your entry is selected for exhibition, The Festival will also request the following optional materials to maximize exposure for your film: posters, postcards, broadcast-quality clip reel, etc.
Invited entries in language(s) other than English MUST be subtitled in English.
The Festival does not pay screening fees. Instead, we choose to invest our resources in producing the best possible showcase for your work, and promoting your work as widely as possible.

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attention all filmmakers and film lovers!
tap-la is proud to present the 1st annual taiwanese american film festival on july 8, 2017 at the beautiful downtown independent in dtla! this one-day event will celebrate and showcase new, up and coming taiwanese american and taiwanese cinema talent.
the film festival will present short films and mediaworks by taiwanese and taiwanese american makers. the festival’s highlights will include an awards ceremony and closing celebration, an industry panel, and a variety of food and drink vendors plus art and music attractions.
the festival’s ultimate goal is to create a platform for a growing cinema community and to help emerging filmmakers in their next cinematic venture.
call for entries are now closed.
the taiwanese american film festival recognizes filmmaking achievement through presentation of juried and balloted awards.
presented to a short film that demonstrates overall excellence in content and cinematic technique. $2500 cash prize towards recipient’s next cinematic production.
presented to a short film that demonstrates an innovative way to highlight taiwanese culture and/or issues. $1000 cash prize towards recipient’s next cinematic production.
presented to an audience favorite film, as chosen by audience ballot from each of the screening blocks. prizes will be sponsored by announced filmmaking resources – value $500 for each recipient.
the taiwanese american film festival accepts short films and mediaworks by and/or about taiwanese with themes involving, but not limited to, taiwanese american and/or taiwanese diasporic culture, history and experiences.
currently we are accepting short films, music videos and/or mediaworks under 25 mins in length that have been produced after january 1, 2015. all genres are eligible for consideration.
all awards will be presented at the awards ceremony of the festival.
all invited short films and digital submissions will be screened as d-cinema and will be converted into a digital cinema package (dcp) covered by the festival.
35mm film, hdcam, mini dv, digibeta, blu-ray, and dvd are not acceptable for exhibition.
exhibition formats of invited entries must be sent to the festival to arrive by june 8, 2017.
the film festival accepts all entry materials electronically; in an effort to be environmentally responsible, physical dvd screeners are strongly discouraged. physical submission materials will not be returned.
in u.s. funds, payable to taiwanese american professional of los angeles.
if your entry is selected for exhibition, the festival will also request the following optional materials to maximize exposure for your film: posters, postcards, broadcast-quality clip reel, etc.
invited entries in language(s) other than english must be subtitled in english.
the festival does not pay screening fees. instead, we choose to invest our resources in producing the best possible showcase for your work, and promoting your work as widely as possible.


text:
If after you opt-in, you change your mind, you may withdraw your consent for us to contact you, for the continued collection, use or disclosure of your information, at anytime, by contacting us at [email protected] or mailing us at: Urban Intellectuals, Inc PO Box 394, Hazel Crest, IL, 60429, United States or requesting we anonymize your personal data (the right to be forgotten) at this link https://store.urbanintellectuals.com/request-user-data/.
Our store is based on the software Woo Commerce, running on the software from wordpress.org hosted on our server which is run by bigscoots.com. They provide us with the store software running on a content management platform that allows us to sell our products and services to you.
Your data is stored through in our internal secure databases. Order details are also passed onto our Email marketing platform which runs on InfusionSoft. They store your data in their database behind a secure system.
We currently use the following third-party services. PayPal, Stripe, InfusionSoft.
We are currently working to fully comply with the new EU GDPR laws which will come into place May 25th 2018. You can learn more about the law, what it entails, your rights and our obligations here.
To request the data we store on our site for you related to your orders please visit this link. You can also use this link to tell us to anonymize your personal data (the right to be forgotten). Requests for this will be acted on within a respectable timeline and your data will be removed from our store and email marketing lists.
Your data is retained for one year. You can see the data by requesting here https://store.urbanintellectuals.com/request-user-data/., once requested you can also request deletion which we will comply with within 1 calendar month.
If you would like to: access, correct, amend or delete any personal information we have about you, register a complaint, or simply want more information contact [email protected] or by mail at Urban Intellectuals, Inc, PO Box 394, Hazel Crest, IL, 60429, United States.

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if after you opt-in, you change your mind, you may withdraw your consent for us to contact you, for the continued collection, use or disclosure of your information, at anytime, by contacting us at [email protected] or mailing us at: urban intellectuals, inc po box 394, hazel crest, il, 60429, united states or requesting we anonymize your personal data (the right to be forgotten) at this link https://store.urbanintellectuals.com/request-user-data/.
our store is based on the software woo commerce, running on the software from wordpress.org hosted on our server which is run by bigscoots.com. they provide us with the store software running on a content management platform that allows us to sell our products and services to you.
your data is stored through in our internal secure databases. order details are also passed onto our email marketing platform which runs on infusionsoft. they store your data in their database behind a secure system.
we currently use the following third-party services. paypal, stripe, infusionsoft.
we are currently working to fully comply with the new eu gdpr laws which will come into place may 25th 2018. you can learn more about the law, what it entails, your rights and our obligations here.
to request the data we store on our site for you related to your orders please visit this link. you can also use this link to tell us to anonymize your personal data (the right to be forgotten). requests for this will be acted on within a respectable timeline and your data will be removed from our store and email marketing lists.
your data is retained for one year. you can see the data by requesting here https://store.urbanintellectuals.com/request-user-data/., once requested you can also request deletion which we will comply with within 1 calendar month.
if you would like to: access, correct, amend or delete any personal information we have about you, register a complaint, or simply want more information contact [email protected] or by mail at urban intellectuals, inc, po box 394, hazel crest, il, 60429, united states.


text:
Single and fabulous? Make sure your finances are in top shape as well.
Whether you’re single by choice, readjusting after a break-up or the death of a partner, or maybe you just haven’t found The One yet – you probably agree that single life comes with a lot of personal freedom and flexibility.
It can also bring plenty of financial freedom too, since you may have fewer monetary commitments – and more to spend on yourself. For instance, you might be more likely to spend big on things like overseas adventures or treating yourself to extravagant (but well-deserved) gifts.
But when you’re flying solo, things can end up costing more – so you might have to work harder at budgeting and saving. And because you need to create your own safety net to fall back on in tough times, it’s even more essential to have watertight financial protection for your assets and lifestyle.
That’s why it pays to have a financial plan tailored to your unique lifestyle and goals, so you can live life exactly how you want. Luckily, there are plenty of ways to use your financial freedom to your advantage, so you can build and protect your wealth and get more out of your money. Here are five ways to get your finances into shape.
If you don’t have any kids, your household budget probably looks very different to someone your age who is supporting a family. On the one hand, you’ll have more cash flow to manage your day-to-day expenses, but it can also be easier to give into the temptation to splurge.
household expenses – like groceries, phone and internet charges and utility bills. By making a careful budget and sticking to it, you can enjoy a comfortable lifestyle.
you’re tackling it solo. If you’re like most people, the biggest debt you’ll ever take on is a mortgage – but you may be uncertain about how to save for a deposit and find a lender who will approve you on a single income.
mortgage on your own. To get yourself into the best financial position to take out a home loan, all you need is a sound financial strategy. As a starting point, it helps to prioritise your existing debts like credit cards or personal loans, and pay these down first with an achievable repayment plan.
And when you do buy your dream home, ask your Financial Adviser to help you restructure your finances so you can pay it off sooner without putting a strain on your cash flow.
Being single has many advantages – but your income is even more precious when you’re relying on it for all your financial support. So it’s worth considering what would happen if you became ill or injured and couldn’t work. Would your savings be enough to see you through recovery until you’re back on your feet?
Getting the right insurance cover is essential. Options include income protection, which provides regular payments if you’re unable to work due to sickness or injury for an extended period; Total and Permanent Disablement (TPD) insurance, which pays a lump sum if you become disabled and can’t return to work; and trauma insurance, which covers you against critical illnesses like stroke and cancer.
A Financial Adviser can help you work out how much cover you need to protect yourself and your lifestyle. You might also want to set up a ‘rainy day’ savings account, so you’re prepared for any financial curve balls that are thrown your way.
That’s why it makes sense to grow your retirement savings as much as possible while you’re still working. By making sure you don’t need to rely solely on the Age Pension to fund your retirement, you can get on the path to a comfortable standard of living.
No matter whether you’re just starting out in the workforce or winding down your career, it’s always a good time to invest for your retirement. One way is to add a little extra to your super whenever you can – either by salary sacrificing a portion of your pre-tax salary, or by topping up with personal contributions.
Your Financial Adviser can help you tailor a strategy that will allow you to retire in style without overstretching your finances in the meantime. And when the time comes to leave work behind for good, your Financial Adviser can make sure your retirement savings stretch as far as possible.
When you’re single and living it up, making a Will is probably the last thing on your mind. But it’s still important to think about who you want your assets to go to when you pass away. This is important not just for the assets that automatically form part of your estate, but also the assets that don’t – such as your super or life insurance, where you might be able to nominate which eligible beneficiaries will receive these assets once you pass away.
For instance, you may want to nominate a friend or family member as a beneficiary, or donate your estate to your favourite charity. Otherwise, if you don’t mind who gets your money after you’re gone, you may prefer to put your money towards enjoying your retirement or even travelling in your later years.
Roe Financial can help guide you through your options so you can decide which one feels right for you.
The most important thing is to start planning now – you never know when your estate plan will need to take effect.
1 ASFA Retirement Standard, June quarter 2016.

lowercased:
single and fabulous? make sure your finances are in top shape as well.
whether you’re single by choice, readjusting after a break-up or the death of a partner, or maybe you just haven’t found the one yet – you probably agree that single life comes with a lot of personal freedom and flexibility.
it can also bring plenty of financial freedom too, since you may have fewer monetary commitments – and more to spend on yourself. for instance, you might be more likely to spend big on things like overseas adventures or treating yourself to extravagant (but well-deserved) gifts.
but when you’re flying solo, things can end up costing more – so you might have to work harder at budgeting and saving. and because you need to create your own safety net to fall back on in tough times, it’s even more essential to have watertight financial protection for your assets and lifestyle.
that’s why it pays to have a financial plan tailored to your unique lifestyle and goals, so you can live life exactly how you want. luckily, there are plenty of ways to use your financial freedom to your advantage, so you can build and protect your wealth and get more out of your money. here are five ways to get your finances into shape.
if you don’t have any kids, your household budget probably looks very different to someone your age who is supporting a family. on the one hand, you’ll have more cash flow to manage your day-to-day expenses, but it can also be easier to give into the temptation to splurge.
household expenses – like groceries, phone and internet charges and utility bills. by making a careful budget and sticking to it, you can enjoy a comfortable lifestyle.
you’re tackling it solo. if you’re like most people, the biggest debt you’ll ever take on is a mortgage – but you may be uncertain about how to save for a deposit and find a lender who will approve you on a single income.
mortgage on your own. to get yourself into the best financial position to take out a home loan, all you need is a sound financial strategy. as a starting point, it helps to prioritise your existing debts like credit cards or personal loans, and pay these down first with an achievable repayment plan.
and when you do buy your dream home, ask your financial adviser to help you restructure your finances so you can pay it off sooner without putting a strain on your cash flow.
being single has many advantages – but your income is even more precious when you’re relying on it for all your financial support. so it’s worth considering what would happen if you became ill or injured and couldn’t work. would your savings be enough to see you through recovery until you’re back on your feet?
getting the right insurance cover is essential. options include income protection, which provides regular payments if you’re unable to work due to sickness or injury for an extended period; total and permanent disablement (tpd) insurance, which pays a lump sum if you become disabled and can’t return to work; and trauma insurance, which covers you against critical illnesses like stroke and cancer.
a financial adviser can help you work out how much cover you need to protect yourself and your lifestyle. you might also want to set up a ‘rainy day’ savings account, so you’re prepared for any financial curve balls that are thrown your way.
that’s why it makes sense to grow your retirement savings as much as possible while you’re still working. by making sure you don’t need to rely solely on the age pension to fund your retirement, you can get on the path to a comfortable standard of living.
no matter whether you’re just starting out in the workforce or winding down your career, it’s always a good time to invest for your retirement. one way is to add a little extra to your super whenever you can – either by salary sacrificing a portion of your pre-tax salary, or by topping up with personal contributions.
your financial adviser can help you tailor a strategy that will allow you to retire in style without overstretching your finances in the meantime. and when the time comes to leave work behind for good, your financial adviser can make sure your retirement savings stretch as far as possible.
when you’re single and living it up, making a will is probably the last thing on your mind. but it’s still important to think about who you want your assets to go to when you pass away. this is important not just for the assets that automatically form part of your estate, but also the assets that don’t – such as your super or life insurance, where you might be able to nominate which eligible beneficiaries will receive these assets once you pass away.
for instance, you may want to nominate a friend or family member as a beneficiary, or donate your estate to your favourite charity. otherwise, if you don’t mind who gets your money after you’re gone, you may prefer to put your money towards enjoying your retirement or even travelling in your later years.
roe financial can help guide you through your options so you can decide which one feels right for you.
the most important thing is to start planning now – you never know when your estate plan will need to take effect.
1 asfa retirement standard, june quarter 2016.


text:
Fulbright New Zealand, IPANZ and the Ian Axford (New Zealand) Fellowships in Public Policy Board invite you to the fourth in a series of public seminars by this year’s six Ian Axford (New Zealand) Fellows in Public Policy.
Bruce Vaughn is a Specialist in Asian Affairs at the Congressional Research Service in Flint Hill, Virginia. During Bruce’s Ian Axford Fellowship exchange to New Zealand he has been based at the Ministry of Defence and Victoria University of Wellington, researching shared NZ-US interests in promoting stability in the South Pacific.
Ian Axford (New Zealand) Fellowships in Public Policy are for outstanding mid-career professionals from the United States of America to research, travel and gain practical experience in public policy in New Zealand for seven months, during which time they are hosted at relevant government agencies in Wellington and work towards publishing a policy report. Their reports are launched at a series of seminars, and are subsequently available to download from the Fulbright New Zealand website.
Christian Stearns – Rebuilding Sustainable Communities: Partnerships for Social Housing.
The seminars are jointly presented by Fulbright New Zealand and IPANZ. Tea and coffee will be provided.

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fulbright new zealand, ipanz and the ian axford (new zealand) fellowships in public policy board invite you to the fourth in a series of public seminars by this year’s six ian axford (new zealand) fellows in public policy.
bruce vaughn is a specialist in asian affairs at the congressional research service in flint hill, virginia. during bruce’s ian axford fellowship exchange to new zealand he has been based at the ministry of defence and victoria university of wellington, researching shared nz-us interests in promoting stability in the south pacific.
ian axford (new zealand) fellowships in public policy are for outstanding mid-career professionals from the united states of america to research, travel and gain practical experience in public policy in new zealand for seven months, during which time they are hosted at relevant government agencies in wellington and work towards publishing a policy report. their reports are launched at a series of seminars, and are subsequently available to download from the fulbright new zealand website.
christian stearns – rebuilding sustainable communities: partnerships for social housing.
the seminars are jointly presented by fulbright new zealand and ipanz. tea and coffee will be provided.