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New Zealand's North Island provides an unparalleled collection of some of the world's most magnificent and diverse scenery. Snow capped volcanoes and bubbling geysers are found scattered around this geothermic wonder of an island.

New Zealand’s North Island provides an unparalleled collection of some of the world’s most magnificent and diverse scenery. Snow capped volcanoes and bubbling geysers are found scattered around this geothermic wonder of an island, with the coastline hosting some of the world’s most pristine sandy beaches. As if these incredible geographical marvels were not enough, you can also find lush vineyards among them, offering an unforgettable day of indulgent wine tasting.

When looking for places to visit in New Zealand you will find that travelling through this country is wonderfully convenient because of the number of different modes of transport on offer. From scenic railway journeys and self-driven road trips to cross-country flights and ferry crossings, there is no shortage of travel options.

Mount Ngauruhoe, North Island ski fields. New Zealand travel blog

The North Island, however, is not just about places to visit in New Zealand, or things to do in New Zealand, it also has an immense historical significance. It also welcomed New Zealand’s first European settlers and the Bay of Islands was the site of the signing of the treaty of Waitangi. The North Island also plays host to 77% of the country’s total population and is the world’s 14th largest island.

1. Bay of Islands and Swimming with Dolphins

The water ripples around the hull of the boat as the sails fly above your head and the sunlight shines deep into the clear turquoise ocean below. The boat glides alongside an untouched beach, the white sand dazzlingly bright against the dark mottled green of the rainforest behind it. With a terrific splash a dolphin launches itself out of the water beside the boat, and as it dives beneath the surface and comes twirling back up, it is joined by others, all taking part in this playful dance.

Bay of Islands Lookout. bay of islands tour from auckland. best places to visit in New Zealand
Bay of Islands Viewpoint

Made up of 144 islands in total, you’ll be sitting aboard a catamaran, enjoying the sights, sounds and smells of this Bay of Islands ocean paradise. What’s more is the water beneath you is teaming with a wide range of marine life. With everything from dolphins and orca (killer whales) to humpback whales and seals, as well as several species of seabird overhead.

Bay of Islands Sailing. bay of islands cruise
Sailing with Dolphins

The nature and wildlife in the Bay of Islands are not all that makes it significant, it also boasts a rich history. In 1769 Captain Cook arrived in the Bay of Islands and along with his crew, set foot on this land as the first Europeans to have discovered New Zealand. The first settlement known as Russell was established, this is now a much smaller and quieter town than Paihia. This will likely be your home base during your visit to the Bay of Islands.

Read more about visiting the Bay of Islands and swim or sail with dolphins.

2. Hike or Ski the Tongariro National Park

A rush of adrenaline pulses through your body as you speed down the snow covered slopes of this active volcano. Reaching the bottom in a cloud of snow and with unbridled excitement, you clamber back onto the chairlift and begin your ascent again. Joining sightseeing tourists and hikers who use this chairlift year round for access to the top of Mt Ruapehu. Tongariro is undoubtedly New Zealand’s mecca for snow sports in this amazing winter wonderland and playground.

Whakapapa Ski Lift, skiing North Island nz
Whakapapa Ski Area on Mt Ruapehu

Tongariro is New Zealand’s oldest National Park and one of the most beautiful New Zealand landmarks. Standing proudly at its very heart is the North Island’s Highest Peak, Mt Ruapehu at a staggering height of 9,177ft. While it may be the highest peak, it is not the only one that breaks Tongariro’s horizon. Mt Ngaurahoe and Mt Tongariro can also be found in this marvellous park, and all lie within the Taupo Volcanic Zone.

Read more about Skiing or taking the scenic Chairlift at Whakapapa.

Whakapapa Ski Lift, ski resorts new zealand
Whakapapa Ski Area’s all year round Chairlift

A trip to Tongariro National Park is something that should definitely be part of your New Zealand Itinerary. Between the Geothermic wonders in this park, and the thrill of enjoying winter sports on their slopes, there is something here for everyone. Mt Ruapehu is one of the three snow-capped volcanoes found in this park, and with 2 commercial ski slopes, it is also one of the most popular peaks in the country. If adrenaline sports don’t entice you, you’ll still have the chance to enjoy a scenic chairlift ride up the mountainside to get a splendid view of the park laid out before you.

Read our full New Zealand Travel Guide.

3. Out-of-this-World White Island

A strong smell of sulphur fills the air as you walk around the steaming crater. The White Island rises majestically out of the glistening ocean, its sparse landscape contrasting the colourful ocean life beneath it. The island’s terrain bubbles and boils as hot mud pools gurgle and steam rushes from vents in the earth’s crusty surface. This otherworldly landscape sets a truly incredible setting for unique photography.

Whakaari, White Island. A volcanic island in the Bay of Plenty close to Whakatane. best places to visit in New Zealand travel blog.
Whakaari, White Island in the Bay of Plenty

Off the North Coast of New Zealand’s Bay of Plenty lies one of the country’s most impressive geographical wonders. Known as the White Island because of the cloud of white steam rising from its jagged crater. This serves as an excellent visual aid as you draw nearer to the island on a boat tour from the town of Whakatane. To ensure you’ll have a place to stay in this small town, book a room at the White Island Rendezvous ahead of time.

Lonely Planet Best of New Zealand (Travel Guide)
Lonely Planet, Brett Atkinson, Sarah Bennett, Peter Dragicevich, Charles Rawlings-Way, Lee Slater - Publisher: Lonely Planet - Edition no. 1 (11/01/2016) - Paperback: 324 pages
£16.99 - £10.78 £6.21

4. Cross the North Island by Train

The train runs smoothly along the tracks, rounding a gentle bend as the open-air carriage is filled with a cool breeze rolling down from the mountainous landscape. A flowing meadow leads away from the tracks, waving in the wind in a swirl of golden brown grassland. As the minutes pass, the terrain changes from rocky mountains and soft meadows to lush rainforest, displaying New Zealand’s stunning natural diversity.

Northern Explorer Auckland to Wellington train, tranzalpine, wellingto to auckland kiwi rail.
KiwiRail’s Northern Explorer: Auckland to Wellington Train

The Northern Explorer train is operated by KiwiRail and travels a distance of 682km between Auckland and Wellington.  Since these are the two largest cities in the entire country, this trip is not only scenic but also convenient if you’re looking for new places to visit in New Zealand. At a total travel time of 11 hours, this is a day-long journey that will provide you with excellent views of a wide range of New Zealand’s terrain.Taking this journey is one of the very best things to do in New Zealand.

Read more about Why you should take the Train across the North Island.

Northern Explorer Auckland to Wellington train, tranzalpine, wellington to Auckland kiwi rail.

Aside from the geographical splendour that this train journey provides, it is also a beacon of excellent engineering, especially since the track was built in 1909. As you bisect the island on this railway, you will cross a series of impressive viaducts and travel down the tight Raurimo Spiral. Over the years the line has progressed to feature a number of engineering miracles including the 414m long Hapuawhenua Viaduct, which was completed in 1987.

5. Whitewater Rafting

The thundering sound of the rapids around the raft drowns out the sound of your pounding heart. Adrenaline pulses through your body as the raft powers forward. Veering past solid boulders and down wild rapids your team paddle, lean and work together to keep the raft upright. As the water splashes over the sides of the raft, a blur of green rushes past as the forest along the bank witnesses your watery descent.

White Water Rating on the Wairoa Grade 5. New Zealands best whitewater rafting in north island. Hydro-controlled river means this is only available to raft once every 2 weeks. Whitewater rafting in Rotorua.

There are many things to do in New Zealand that will get your blood pumping, but few activities compare to the extreme experience of whitewater rafting. Surrounded by New Zealand’s sublime nature as you and your team work together to navigate these rapids is something that everyone should try at least once. New Zealand in particular, is an excellent place to do whitewater rafting, not only are the safety standards one of the highest in the world, but you can also find a river to raft on almost anywhere in the country.

To learn more about this thrilling experience, take a look at Why you should go Whitewater Rafting in New Zealand.

White Water Rating on the Wairoa Grade 5. New Zealands best whitewater rafting in north island. Hydro-controlled river means this is only available to raft once every 2 weeks. Whitewater rafting in Rotorua.

6. Lake Taupo and the Huka Falls

If you have anything from bungee jumping and sky diving, to rock climbing, hiking and sailing on your New Zealand Itinerary, chances are you’ll be visiting Lake Taupo. With a plethora of different and exciting activities to take part in, this fantastic destination is North Island’s Mecca for outdoor endeavours.

Huka Falls, Lake Taupo, planning a trip to New Zealand
Huka Falls, Lake Taupo

Lake Taupo is what’s known as a caldera. This simply means it is a volcanic crater formed from an historic, violent eruprtion, which is then flooded forming the lake. The eruption that caused this crater was the world’s largest in the past 70,000 years. While it may be a lake, the area is alive with volcanic features of all kinds. It is one of the many excellent places to visit in New Zealand. The main river that feeds water into Lake Taupo is known as the Waikato River and is home to the truly spectacular Huka falls. The water that cascades down these falls and flows to join the river is a brilliant turquoise colour which mingles beautifully with the white rapids.

Read my full New Zealand Travel Guide.

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7. North Island Cities: Auckland and Wellington

With a population of 4.5 million people, New Zealand’s largest city of Auckland is home to as many as 1.3 million. Further to the south, New Zealand’s capital city of Wellington can be found, and while it may have far fewer people, it’s a wonderfully charming city to visit. Against Auckland’s impressive skyline, large urban area and thriving harbour, Wellington’s picturesque landscape holds it’s own allure.

Mt Eden Crater and Auckland Skyline. New Zealand travel blog
Mt Eden Crater and Auckland Skyline

To see Auckland at its very best, be sure to book a hotel downtown, near the waterfront. This will provide you with stunning views of the busy harbour and the glistening ocean spread out before you. To get an even better view of the city you can visit the Sky Tower’s revolving restaurant, offering excellent panoramic views of this marvellous city. The clear air, wide sidewalks and general safety of the city allow you to explore its many bustling streets by foot. Walking tours are very popular in and around Auckland, particularly ones which take you to the top of one of the many volcanic cones dotted around the city.

Wellington Skyline, best city to visit in new zealand
Wellington Skyline

While Auckland may have tall buildings from which to view the city, Wellington has the Mt Victoria lookout point. This wonderful viewpoint will provide you with excellent views across Wellington’s waterfront. Particularly if you lace up your hiking boots before dawn and watch the sunrise glisten off the ocean’s faceted surface. Along with its undeniable charm, Wellington provides access to a number of premium vineyards in the area.

8. Geothermal Wonderlands in Rotorua

The smell of sulphur saturates the air as the towers of steam blast out of crater-like vents in the ground. A bubbling pool of hot mud gurgles, setting an alien-planet theme to the landscape. The sulphur deposits in the rock break the solid grey colour with brilliant patches of yellow, creating a truly hypnotic setting for photography.

Rotorua Pohutu. New Zealand travel guide
Rotorua Pohutu

Rotorua’s unique geothermic landscape brings in millions of annual visitors, but the landscape is not the only attraction here. This area holds immense historical significance to the Maori people. This has led to a number of museums and cultural attractions being built. The Maori arrived on this land in 1325 and took advantage of the geothermic activity for cooking and heating.

Rotarua Thermal Forest, New Zealand landmarks, North Island road trip
Rotorua Thermal Forest

There are few places on earth with a landscape like Rotorua. If you’re struggling to find more places to visit in New Zealand, then be sure to add Rotorua to your New Zealand Itinerary! What’s more is you’ll have the chance to learn more about the fascinating Maori culture here at one of the most mesmerising New Zealand landmarks.

9. New Zealand Wine Tasting

The rolling green hills spread out around the gently meandering road. The luxurious atmosphere of the wineries around you fills the air, along with the soft, sweet scent of the vineyards. The distant sound of the ocean waves carries through the air as you explore Waiheke Island. Tasting delectable wines and basking in the ambience of your surroundings, you sit back and enjoy this leisurely activity.

Waiheke Island Vineyard, waiheke island wineries
Waiheke Island Vineyard

Wine regions rely very heavily on the geographical features of the land. This is why New Zealand’s diverse terrain is able to provide such a wide range of wines. You will be able to find wineries in a number of places spread across New Zealand’s North Island. Wairarapa, Gisborne and Waikato are just a few of the many wineries here, all of which produce popular brands. With New Zealand’s rich history in wine making, it’s small wonder they are able to provide wine of such excellence. Wine has been in production in New Zealand since as early as 1836. This has given the country enough time to develop the world’s very best Sauvignon Blanc.

Read more about Wine Tasting in Martinborough.

10.  Road Trip the North Island

The freedom of exploring New Zealand’s North Island by car is unparalleled. With an abundance of places to visit in New Zealand, and things to do in New Zealand, all of which are spread out across the country, there is no doubt that your vehicle of choice will make a big difference to your New Zealand Itinerary. The self-driven option is by far the best, allowing you to explore the island on your own terms.

Cape Palliser, South Island, planning a trip to New Zealand

The convenience and accessibility of New Zealand’s North Island is world-class. However, it can sometimes become difficult to appreciate your surroundings on a journey if you’re focusing on the road. An excellent travel option is to drive from Auckland to Wellington by car, and then do the trip back on the Northern Explorer railway line. Sit back and enjoy your journey through the magnificent landscape after having had the freedom to explore it all on your own.

Read my Top 10 things to do in South Island.

North Island Itinerary

Each and every single one of the items on this list should be part of your New Zealand Itinerary. It will provide you with an excellent balance between outdoor activities, scenic journeys and relaxing getaways. If you’d like to look at a more detailed itinerary, then read through our comprehensive North Island Itinerary. You will get a detailed list of all the stops as well as an interactive map of the route.

North Island Itinerary Highlights

Day 1Explore AucklandSebel Auckland Viaduct
Day 2Explore Auckland; Coast to CoastSebel Auckland Viaduct
Day 3Waiheke Island Wine TourSebel Auckland Viaduct
Day 4Northern Explorer Train to Wellington11hrs TrainNovotel Wellington
Day 5Drive to Cape Palliser & Martinborough4hrs The Martinborough Hotel
Day 6Wine Tasting in MartinboroughThe Martinborough Hotel
Day 7Drive via Tongariro to Lake Taupo5hrs 30minsHilton Lake Taupo
Day 8Drive via Rotorua to Whakatane2hrs 15minsWhite Island Rendezvous
Day 9White Island Tour. Drive to TaurangaHotel on Devonport
Day 10Whitewater Rafting. Drive to Hotwater Beach2hrs 40minsHotwater Beach
Day 11Drive to Bay of Islands5hrs 15minsTarlton's Lodge
Day 12Bay of Islands CruiseTarlton's Lodge
Day 13Drive back to Auckland3hrs
*Driving Times do not include breaks or stops!

North Island New Zealand Map

Please leave me a comment below if you have any New Zealand top tips or questions about my Top 10 North Island list.

Your email address will not be published. Required fields are marked *

  • New Zealand is amazing. I spent more time in the South Island but really enjoyed my time up north. The highlight was probably Tongariro – beautiful mountains and volcanoes.

    The white island looks amazing!

    • I love how New Zealand has these two different geographies; North Island – snow capped volcanoes, South Island – Mountain ranges with Glaciers. It means whether you can fit only one island into your itinerary, you’ll always have the opportunity to get up into the NZ mountains!

  • This is so awesome to see! As someone who grew up in the Bay of Islands and then moved to Auckland I’ve been lucky enough to tick of the majority of these… White Island is top of my list of places to get to when I get home though!

    • Hi Michael, You are very lucky to have lived in stunning New Zealand, you have a beautiful country there! Enjoy your travels, especially in London.

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Champions in Badminton Felicitated

The girls of St. Mary Mazzarello Girls’ Higher Secondary School, Jowai took part in the 8th Inter School Badminton Championship organized by the Jaiñtia Badminton Association (JBDA) from the 20th to 24th April.

The girls did well and carried away four Championships, Under – 13 Girls single won by Chandasaka Kharsanchai and in the Under – 13 Girls Double won by Chandasaka Kharsanchai in partnership with Prerisose Lakiang. The same girls also won the under – 15 Girls Single and the Under-15 Girls Double. Congratulations dear girls!

The Staff and Management recognized the talents of the girls and congratulated them during the school assembly. It was also an occasion to encourage sportsmanship in the mind of the young.

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Help Center

 Private Investing

*Note: Depending on your user access level, and if you have an advisor who can access your account, some of the functions described here may not be available to you, or may be performed by your advisor.

What is private investing?

We enable our customers to purchase selected non-publicly tradeable securities, such as investments in private funds and small companies that that are not listed on U.S. securities exchanges. This is what we refer to as private investing.

Is private investing available to any customer?

Any Folio customer may visit the Private Investing part of our site when logged into their account. However, not all private offerings will be available to all customers, as many offerings will require the investors to meet the definition of an accredited investor.

What is the definition of an accredited investor?

Under the Securities Act of 1933, Rule 501(a), an accredited investor is one who has either earned individual income of $200,000–or $300,000 if the investor files jointly–in both of the previous 2 years, with a reasonable expectation that income in the current year also will be at that level, or one who has individual net worth (excluding primary residence)–or joint net worth with a spouse–in excess of $1,000,000. You may also wish to visit the SEC website to learn more, and view the SEC’s bulletin on accredited investors.

Do accredited investors need to have that status verified?

For most offerings on our site, we ask whether you are an accredited investor before you’re allowed to view the offering documentation. In addition, for offerings made under Regulation D, Rule 506(c), we are required to verify the status of accredited investors. We’ll let you know after you subscribe to an offering if you need to obtain verification.

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For some private security offerings, we’re required by law to verify the status of accredited investors. To obtain that verification, please send documentation as described below to us at

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When an offering requires accredited investor status verification, the verification process must be completed before the offering closes. Otherwise, investment requests will be automatically rejected.

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  1. Email us a letter that uses this template and is dated within the last 90 days. The letter must be from a CPA, attorney, registered investment advisor, or brokerage firm, and it must attest to the account owner’s status as an accredited investor. There is currently no charge for this method of verification.
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Note that income verification is valid for 12 months from the date we confirm it, while net worth verification is only valid for 3 months from the date we confirm it.

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Broadly speaking, SIPC coverage protects investors from certain losses resulting from investor securities missing from their brokerage accounts. SIPC may cover missing stocks, bonds, Treasury securities, certificates of deposit, mutual funds, money market mutual funds, and certain other investments as “securities.” SIPC does not protect commodity futures contracts (unless held in a special portfolio margining account), or foreign exchange trades, or investment contracts (such as limited partnerships) and fixed annuity contracts that are not registered with the U.S. Securities and Exchange Commission under the Securities Act of 1933. Depending on the nature of the unlisted security being purchased through this offer, this security may not be eligible for SIPC insurance coverage while held in your brokerage account.

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CSM sells frozen bread operations for 7.7m

By Jess Halliday

- Last updated on GMT

Related tags: 2006, Csm

CSM has announced that it is selling its French frozen bread
operations to Neuhauser for €7.7m, a move that follows heavy
restructuring to improve efficiency of its European bakery supply

The deal, which follows the sale of the viennoiserie operations earlier this year, is expected to close in the short term. Both the frozen bread and viennois operations fell under CSM's Delices de la Tour subsidiary. In financial year 2006 all the businesses at Bakery Supplies Europe took steps last year to improve organisational efficiency and effectiveness. For instance, the British and German organisations made what CEO Gerard Hoetmer called "substantial changes to their overheads structure", while the Spanish and Portuguese activities were merged. In addition, factories have been shut down in the UK and France, amongst other places. A spokesperson for CSM told FoodNavigator.com that the sale does not impact the company's bakery ingredients products, which also fall under Bakery Supplies Europe, but relates only to end products. "CSM will remain active in bakery supplies," he said, adding that the company felt it had "insufficient skill" to make the frozen bread part of the business profitable at the level it wanted. In full year 2006 the bakery giant, which also supplies ingredients though its Purac division, reported net sales from continuing operations of €2.4 bn, up 1.2 per cent on the previous year. The operating result from continuing operations before exceptional items amounted to €155.1 million, up 21 per cent. "2006 was a good year forCSMboth financially and operationally," said Hoetmer. "Our sharpened strategy, developed with a view to turning CSM again into a cost-conscious, customer-oriented and innovative player, is up and running." CSM's so-called 3-S restructuring programme also led to cost savings amounting to €43 million in 2006, resulting in cumulative savings of €62 million. Restructuring costs totalled €24 million in 2006. Restructuring measures also affected the Purac division last year, including reduction of the workforce, optimization of factories, and purchase savings. A new lactic acid factory was also constructed in Thailand, which is expected to bring in economies of scale and production methods to boost efficiency. Purac is focused on single ingredients, and it supplies the pharmaceutical and chemical industries as well as food. Last month the company finally received the green light fro the sale of its sugar business, CSM Suiker, to Royal Cosun. CSM announced that it was planning to sell its sugar business in February 2006, as it was felt the division could not compete in the industry once EU sugar regulations came into force. The sale, said to be in the region of €202m, was expected to be completed in Q4.

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Season 0, Episode 40

Emeril Salutes America Highlights

Come along with Emeril as he takes us on a tour around the country as he visits 8 different cities to sample their cuisine.
See Tune-In Times
Emeril's Dream Restaurant: The Opening of Tchoup Chop
Emeril Kicks Up Halloween

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Seven Bedroom Mistakes Interior Designers Always Notice

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We spend approximately one-third of our lives in bed, which means we are in our bedrooms more than any other room in the home. Yet, many people tend to overlook the design of these spaces. Still, it’s important for our sleep and overall health that our bedrooms give us a feeling of happiness and relaxation, not stress. Fortunately, most bedroom design problems have pretty easy fixes.

Whether the quality of your bedding doesn’t quite live up to the rest of the furniture and décor in the room, there’s no space to walk around the bed, or your bedroom looks like a showroom (but not in a good way), here are seven bedroom mistakes interior designers and experts always notice as well as how to remedy them.

Buying The Wrong Size Bed

According to interior designer Lisa Gilmore, choosing the wrong size bed is a big no. “I feel the biggest mistake people make is the scale of the bed— either the headboards and frames are too large, tall, bulky or the bed is too small and feels short in the room.”

So what’s the best way to choose the right size bed frame? “Make sure you have breathing room and walking space clearance as well as visual balance for the height of the bed,” she says.

If you’re considering buying a new bed and want to be 100 percent sure that it is the right size, outline the dimensions on the floor of the frame with painter's tape.

Choosing The Wrong Linens

Artist and designer Elizabeth Sutton has noticed a rather uncomfortable trend, high-end furniture and decor with inferior and mismatched linens “A bed not only takes up a huge surface area in a bedroom, but it is also a central focal point. Bad linens can destroy good bones,” says Sutton. “Plus, linen accouterments, like a good throw blanket and accent pillows, can add texture and color in small doses and tie a room together.”

Sutton sees buying high-quality linens as an investment, from both a visual and quality perspective. “We spend approximately one-third of our lives in our beds, and sleep is an important part of our health. Spend the extra dollars on the beauty and the comfort.”

Matching Bedroom Sets

Bedroom sets have had their day, according to HomeGoods Style Expert, Beth Diana Smith. “One of the most common mistakes I see in bedroom furniture is when everything is ‘matchy-matchy.’ A matching set can make a room feel impersonal like a furniture showroom, rather than a well-curated room,” she says.

To avoid this, Smith suggests using a variety of colors, textures, and materials for an eye-popping, personalized look. “I love to search stores like HomeGoods where you can find high-quality furniture pieces at affordable prices. For example, if looking for two distinct nightstand tables— one might be brushed gold with metal and the other may be handcrafted in India with an eclectic wood carved design.”

Shopping this way, especially at HomeGoods can also be less expensive, even if the salesperson at the discount furniture store says they’ll “throw in some lamps and a rug for free.”

However, even those with generous budgets for this type of project are advised to avoid purchasing bedroom sets, according to designer Joe Berkowitz of JAB Design Group. “When designing a bedroom I have a general rule that we do not use matching pieces for the night tables, dresser, and headboard. It is one of the most common mistakes I see repeated,” he says.

Berkowitz shares that part of his process as a designer is to count how many design opportunities there are in any given space. “To me, two night tables, one dresser, and a headboard represent four opportunities for furnishing. Not to say we are against matching night tables, but there can be so much depth and design possibilities in pairing various pieces of unmatched but compatible furniture together.”

Berkowitz recommends using one nightstand and a writing desk on one side of the bed or a chest of drawers on the other. “Not only does it offer a variety of furnishings, but there is a wonderful function in having a writing surface and accent chair at the bedside,” he says.

Purchasing The Wrong Size Area Rugs

Area rugs are a great way to make a bedroom feel cozy and complete, but many times people choose the wrong size, often going too small. “The rug should go past the bottom and sides of the bed by at least 24 inches and never under the nightstands,” explains Smith.

So, it’s important to measure the space perfectly instead of simply estimating and if possible, opt for a custom piece. “If you aren’t able to get a custom rug made, my go-to is HomeGoods because they have an expansive collection of rugs ranging in sizes and in a variety of fabrics such as wool, cotton and bamboo, for under $500.”

If you are investing in a custom rug, Samantha Gallacher, founder of IG Workshop and Art + Loom, says if you don’t want to splurge for the rug to sit entirely under the bed, “Just start the rug right in front of the nightstands and make sure it comes out far enough in from of the bed.”

Lack Of Ample Lighting

Although you probably want your bedroom to be dark at night, it’s essential to have good lighting in the space. Just because it is a bedroom doesn’t mean you shouldn’t be able to see in it,” says Gallacher. “Just one chandelier is usually not enough lighting, you need multiple sources and levels of light.”

There are so many different ways to light a bedroom, including lamps, sconces, floor lights, and chandeliers. Don’t be afraid to mix things up.

Hanging Curtains Too Low

Good window treatments are essential to making a bedroom feel complete. But whether you use sheer, blackout, or another type of curtain, it’s important to make sure they are properly installed. “When hanging drapes, go as high as you possibly can, even if the windows start much lower. It gives the illusion that the windows are taller and help makes the ceiling feel higher,” says Gallacher.

Going With The Wrong Art

“While many are compelled to install one large piece over the bed, people often hang art too high or it looks too busy with more ornate headboards,” says Alix Greenberg, founder of ArtSugar. “Instead, get creative and put art over the nightstands. Alternatively, consider using one large piece or creating a gallery wall over the dresser or wall opposite the bed.

Not sure how to choose art for your bedroom? The easiest way is to pick one artist and choose two complementary pieces from the same series.

Follow me on TwitterCheck out my website


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Join Our Ford Truck Forum Today

Document your Ford truck project here and inspire others! Login/Register to view the site with fewer ads.

New fuse box

Hi there. New to the site. I have a 72 Highboy and the fuse box is shot. It was a gift from dad years ago when he passed. I found a 76 box that looks the same but the color of wires are different and has multiple on the back, same fuse where my old one doesn’t. Maybe I’m overthinking things. I just want the old girl to burn up. I am not a wire guy. I have multiple wiring guides but the mean nothing at my age. Any advice from someone would be real nice. Thank you, Ron
I would look for a new one, time takes its toll on these and new is good. Most likely the neighborhood heavy truck shop can help you and be cost effective. Most all lil county towns have great truck shops in them. U no disconnect your ground from the battery now ! If they can't find an exact replacement they can easily wire one in that will do a great job for you ! Most likely have modern fuses also so you can easily replace them :cool:

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Invasive Species Removal @ Melvin Hazen West

June 4, 2021 @ 12:00 pm - 3:00 pm

|Recurring Event (See all)

One event on June 4, 2021 at 3:00 pm

One event on June 5, 2021 at 10:00 am

One event on June 5, 2021 at 1:00 pm

Join the National Park Service, Rock Creek Conservancy, the Invasive Plant Management Team (IMPT), and Partnership for Regional Invasive Species Management (PRISM) for socially-distant service removing invasive plants from Rock Creek Park tributary Melvin Hazen.

These events are to celebrate the 20th anniversary of IPMT’s partnership with the National Park Service and commitment to restoring forest biodiversity by addressing invasive plant concerns.

The four events are spread out over two days. You’ll find more information about the location, registration and Covid protocols in the links below.

  • Friday, June 4th, noon to 3 p.m. (details and registration) and 3 to 5 p.m. (details and registration).
  • Saturday, June 5th, 10 a.m. to noon (details and registration) and 1 to 3 p.m. (details and registration).
  • Forest Hills Connection is produced by volunteers, and supported by you. We appreciate your support – financial and otherwise. Here’s how to donate.

    June 4, 2021
    12:00 pm - 3:00 pm
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Wine Tasting: J. Lohr Vineyards & Wines

October 2, 2020 @ 6:30 pm

Calvert Woodley hosts a virtual wine tasting with Steve Lohr, Chairman and CEO of J. Lohr Vineyards & Wines and the son of the pioneer winemaker. Learn more at https://www.calvertwoodley.com/topics/J-Lohr-Virtual-Wine-Tasting-g20764536u

Forest Hills Connection is produced by volunteers, and supported by you. We appreciate your support – financial and otherwise. Here’s how to donate.

October 2, 2020
6:30 pm
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closeup of a white bowl with hummus

From an Ayurvedic perspective does hummus make sense? Traditionally hummus is based on chickpeas which we know are hard to digest. Get an Ayurvedic hummus recipe and learn about the Ayurvedic qualities of hummus.

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Search ForexCrunch
  • Oil prices are rising on the back of the weaker dollar, boosting the Canadian dollar.
  • The US dollar is trading at its lowest level since October 6.
  • Business inflation forecasts in Canada remain high.

Today’s USD/CAD price analysis is bearish as the Canadian dollar gains ground on rising oil prices. Tuesday saw an increase in oil prices, supported by a weaker dollar and supply issues.

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Still, gains were restrained by the threat of declining fuel demand from China, provided it maintains its strict zero-COVID policy. The US dollar index, which compares the US currency to six other major currencies, fell to its lowest since October 6.

Elsewhere, a Bank of Canada survey released Monday revealed business confidence has weakened in Canada as many companies anticipate weaker sales growth amid rising interest rates and decreasing demand. Most businesses believe a recession will likely occur within the next 12 months.

The third quarter Business Outlook Survey revealed that business inflation forecasts remain high despite early indications of moderating pressures on prices and wages. While longer-term expectations have lowered, consumers still anticipate larger price increases in the immediate future, according to a separate survey.

“While many firms anticipate a recession, those not linked to housing activity and other household consumption do not expect it to have a large impact on demand for their products and services,” the report said.

Since March, the Bank of Canada has increased its policy rate by 300 basis points; money markets anticipate an additional 50 bp increase to 3.75% at its upcoming decision on October 26.

USD/CAD key events today

Investors expect the housing starts report from Canada, which measures the yearly number of new residential buildings that started construction during the reported month.

USD/CAD technical price analysis: Downside reversal aiming at 1.3605

USD/CAD price analysis

Looking at the 4-hour chart, we see the price trading below the 30-SMA and the RSI below 50, showing bears are in charge. Bears have confirmed the new downtrend by making a lower low. The next part of the confirmation would be a lower high.

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Currently, the price looks set for a pullback. If the pullback retests the 30-SMA as resistance and pushes it off to the downside, the downtrend will be confirmed. The next targets for bears are at the 1.3605 support and lower at the 1.3505 support.

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The weekly Baker Hughes rig count shows:

  • Oil rigs -2 to 574
  • Gas rigs +1 to 151
  • Total rigs, -1 to 727

The price of crude oil is currently up $0.32 at at $114.41

The high for the day reached $115.19. The low for the day extended to $112.85. The high got close to the swing hi from May 17 (and the high for the month) at $115.56. A move above that level would have the price trading at the highest level since March 24 when the price peaked at $116.64. The high price for the year was reached on March 7 when it spiked up to $130.50.

The low for the year was on the 1st day of the calendar year at $74.27. From the end of the year the prices up 52.64%. At the years high back on March 7, the price was up close to 74% for the year.

How about for the month of May?

The last day of April closed at $104.69. With the current price at $114.41, the prices up 9.28%.


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I was told a prior authorization is needed to cover Wegovy® (Semaglutide). What is that?

Prior authorization is paperwork requested by your insurance carrier to justify the use of Wegovy®. Some insurance plans will require a prior authorization be completed in order to cover the cost of Wegovy. Your healthcare provider will complete the paperwork. Unfortunately this is not a guarantee of coverage.

Learn more about Wegovy here.

Wegovy® is a registered trademark of Novo Nordisk A/S

Brooke Marsico, PA-C

Brooke Marsico, PA-C

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Brooke Marsico completed her physician assistant training at Midwestern University. Brooke is passionate about helping patients living with obesity achieve meaningful weight loss and improve their health.Learn more about Brooke here.

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Gina Bhawalkar, Principal Analyst and Senem Biyikli, UX Researcher

Show Notes:

Inclusive design is incredibly valuable to today’s organizations. Discover why and how your business can build more accessible experiences on this episode of What It Means with Principal Analyst Gina Bhawalkar and UX Researcher Senem Biyikli.

Bhawalkar starts by reviewing the financial risks: Ignoring inclusive design means leaving a whopping $5.6 trillion in disposable income on the table. People with disabilities command $1.9 trillion in annual disposable income. For LGBTQ+ individuals, that number exceeds $3.7 trillion.

If you add in friends and family who prefer to shop with brands that consider their loved ones’ needs, you’re looking at a mountain of lost opportunity. If that wasn’t enough financial incentive, consider the rise in accessibility-related lawsuits.

Plus, not only does inclusive design bring in more customers, but it can also help retain valuable staff. Designers are in high demand, and many prefer to work in environments where accessibility best practices are followed.

So, how do you make more inclusive experiences? Bhawalkar and Biyikli recommend you start by evaluating extant design research. Look at a recent project and ask yourself: Whose perspectives influenced the design decisions? You may find that the inputs didn’t come from a group representative of your target audience. For example, maybe no people of color participated in research. This kind of exclusion can lead to disastrous product flaws, a lesson one soap dispenser company learned the hard way.

Scale is a common challenge with inclusive design. Leading companies like Salesforce have instituted processes to ensure products are both inclusive and speedily sent to market. Guidelines and processes for inclusive language are especially critical, as customer-facing content is typically created by a wide variety of departments.

To learn techniques for evaluating your current digital designs, register now for CX North America on June 7–9, 2022.


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The Great Unbundling: Do Law Firms Need to Re-think Outsourcing Strategies?

By Anthony Davies

This article originally appeared in Law Journal Newsletters here

Outsourcing is on the rise.  According to Deloitte[1], there’s an increasing shift to leverage outsourcing driven by learnings from COVID-19 which is to the capture the value which outsourcing models bring: increasing efficiency, reducing costs, and driving greater business value.

But service models are always evolving.  For years, outsourcing providers have grown relationships with law firms by constantly adding new services to their core contracts and bundling them together as one package deal. Providers take these bundled services, then figure out the best delivery models–onsite, near-shore, or off-shore.

Service ‘bundling’ provides economies of scale, lower overheads, a single point of contact and a single invoice at the end of each month. However, the bundling of services to create a single multi-service provider may now be hurting firms who are increasingly looking for specialization, especially with regards to onsite Workplace Experience services.

Again, according to the Deloitte study, however, flexible sourcing models, with interchangeable or multiple service providers, is now becoming the mainstay for most client sourcing strategies. This outsourcing trend has been consistent over the past two years, with clients describing their strategies as “multi-vendor” and “multi-sourced.”[2]

How Does This Look in a Law Firm?

In the beginning (30+ years ago), outsourcing at law firms started with low value non-core services such as facilities, security, and switchboard. Quickly, other onsite services such as the reception, mailroom, print and copy center, records management, and administrative support services also were outsourced. Today, Litigation Support, IT, Finance, Marketing, and HR all have access to mature outsourcing offerings. In fact, the market estimate for global legal process outsourcing is estimated to rise by over 30% per year from now until 2027.[3]

Over time, outsourcing providers have added on-shore and off-shore Business Processing Outsourcing (BPO) centers to leverage global wage arbitrage and specialist skills. They have developed technology to assist with information and document workflow, launched alternative legal service offerings, and continue to work their way into increasingly complex areas of the law firm operations.

During the pandemic, these off site BPO centers grew exponentially as law firms grasped the opportunity to leverage the ‘remote work era’, and shift more administrative tasks to low cost, high quality off-site service centers. At the same time, the core onsite services were paired back as there was a reduced need for onsite support when everybody was working from home.

While cost savings and the uncertainty that still lies with COVID-19 are both major contributing factors for the rise in outsourcing, the ability to provide new, more sophisticated services cannot be understated. Law firms are able to receive customized industry solutions that allow them to capitalize on a changing landscape as more people move back to the office.

Outsourcing and Law Firms’ Return to Office:  Introducing Workplace Experience

Fast forward to summer 2022, and core onsite services are taking center stage again as we slowly bring employees back to the office and ramp up in person support. However, the traditional outsourcing providers servicing the largest law firms have moved so far up the value chain, it is difficult to see them reinvesting and reinvigorating their low margin, lower value onsite offerings.

The need to bring employees back to the office is sparked by productivity concerns, needs to develop office culture, and lack of support for new onboarded staff.  Many law firm leaders will argue that working in-person at some level is crucial to sustaining collaboration, innovation, mentoring and training. However, Thomson Reuters’ reports that the vast majority (83%) of attorneys now prefer some kind of hybrid work arrangement–and this increased desire is a key driver of the record breaking turnover rate (23.2%) reached at the end of 2021.[4]

We see the hybrid trends firms are forming.  Cushman & Wakefield’s 2021 Bright Insights[5] report suggests 75% of firms are considering a hot desking program. However, as law firms begin to execute their return to office plans, they are quickly finding that their largest competitor in attracting attorneys back into their hallowed halls and also of course retaining talent is work-from-home. It is difficult to compete with the amenities that work-from-home offers—private refrigerator, cushioned couches, onsite laundry.

This is where workplace experience comes in. Workplace experience is a hospitality-based, high engagement, white glove service that transforms your office into an experience that is better than home.  It is like the Ritz Carlton has come to transform the law firm office into a delightful experience—a very particular workplace experience, that is, that is a highly specialized outsourced service that can only be provided onsite (just like the Ritz Carlton).

With Law Firms moving dangerously close to losing a quarter of their attorneys, it is clear that there is a dramatic divide between what attorneys and staff are requiring from the law firm versus what they are actually receiving. Many firms understand the significant toll that the pandemic has placed on attorneys and staff. As partners have moved forward creating return-to-office plans, many have tried to reimagine the office with social and recreational activities, but only to ease the transition from remote. Creating a workplace experience requires the law office to reimagine the workplace in perpetuity.

Workplace Experience and the Multi-Sourced Approach

Service models are always evolving. Clients are increasingly seeking providers who can elevate the way they do business, enable them to be more flexible, and help them leverage the latest services, technologies and workflows. Understanding providers’ strengths is critical to deploying the right mix of large and niche providers to achieve the desired outcomes—but what is clear is that most organizations are moving toward a multi-sourced approach when it comes to outsourcing, and rightly so.

In a recent article published in, I highlighted the ‘Rise in Hospitality’ in other professional services, and some of the services banking clients are employing to attract employees back—and argued that law firms can learn from this model.  For the skeptic may wonder, is this such a specialized service that it should be unbundled from, say, your document processing provider?

In a word, yes.  Just like the experience of the Ritz Carlton is vastly different than the experience of a Super 8 Motel, the purpose and model of each are different because they serve different purposes.  The purpose of workplace experience is to attract and retain law firm talent onsite, the number one challenge and risk faced by firms since 2020.

It can’t be accomplished with compensation alone.  As compensation hits record levels—it hasn’t curbed turnover.  Rather, employment choice is being driven by the experience they have while in the office. By adding a layer of 5-star hospitality services and creating concierge roles staffed with people who have experience working in 5-star hotels like the Ritz Carlton or Mandarin Oriental, the law firm office can become better than working from home.  It can become a destination that attracts professionals back into the office voluntarily, sustaining vital collaboration, innovation, mentoring and training while eliminating the risk mandates bring of losing attorneys.  That’s branding, that’s culture, that’s loyalty—outsourced.

[1] Deloitte 2021 Shared Services and Outsourcing Report

[2]  Ibid

[4] 2022 Report on the State of the Legal Market: Despite a strong year, numerous & growing challenges confront law firms – Thomson Reuters Institute


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Breast milk contains stem cells, which can be passed to the infant | The Biology of Breast Milk

Posted on April 3rd 2022 (8 months)
Parent Episode: The Biology of Breast Milk
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The Good Word: Former police officer turned entrepreneur Madison Horton

Former Dallas police officer Madison Horton joins us on The Good Word podcast!

Madison is town and sharing her story about stepping out on faith! She left her decade-long career in law enforcement to start her own business.

“It's truly inspirational for anyone who may be unhappy at their job and considering venturing into entrepreneurship,” she says.

Madison quit her job to launch a feminine-care brand, Kitty Candy.

She says she made $70,000 in three months thanks to prayer, fasting and faith.

DOWNLOAD: The FOX 5 DC News app for local breaking news and weather

The Good Word with Tisha Lewis is the latest podcast coming to you from the FOX 5 Podcast Studio in Washington D.C. Host Tisha Lewis is chatting with celebrities, business pioneers, local dignitaries and faith leaders, both inside and outside the church, on a slew of topics including politics, sports, entrepreneurship and relationships.

Have a topic you want Tisha to cover? Tell her about it on her Facebook, Twitter and Instagram.

Also, be sure to join the conversation on The Good Word Facebook group!

SUBSCRIBE: The Good Word with Tisha Lewis podcast is available on iTunes, Google Play and Audioboom


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Homeland Security secretary drafts plan to end family separations

WASHINGTON — Homeland Security Secretary Kirstjen Nielsen is drafting an executive action for President Donald Trump that would direct her department to keep families together in detention after they are detained crossing the border illegally, according to two people familiar with her thinking. They spoke on condition of anonymity to discuss the effort before its official announcement.

It's unclear whether the president is supportive of the measure. But Nielsen was on her way to the White House to discuss it with the president's team, according to one of the people.

The person said the secretary believes there is little certainty that Congress will act to fix the separation issue that has been dominating news coverage and she is trying to find a solution. The order would ask the Department of Defense to help house the detained families.

Asked about the possibility of an executive order on immigration, White House spokeswoman Sarah Huckabee Sanders told reporters: "We'll keep you posted. When we have an announcement to make, we'll make it."

President Trump had tweeted earlier Wednesday that he was "working on something."

"It's the Democrats fault, they won't give us the votes needed to pass good immigration legislation. They want open borders, which breeds horrible crime. Republicans want security. But I am working on something - it never ends!" he wrote.

Homeland Security officials did not immediately respond to requests for comment.


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Doyle's hits game-winner as Loyola of Chicago beats Bradley 74-72 in MVC tourney

Milton Doyle's 3-pointer with 1 second to play lifted Loyola of Chicago 74-72 over Bradley Thursday night for a first-round Missouri Valley Conference tournament win.

The No. 10 seeded Ramblers (10-21), an MVC newcomer, advance to play No. 2 seeded Indiana State (21-9) on Friday. The win snaps a six-game losing streak for Loyola.

Loyola led 43-35 at halftime, and went up by 11 in the second on a layup by Christian Thomas at 7:38. But No. 7 seeded Bradley rallied, and Walt Lemon cut the lead to 62-60 with a dunk, and hit two free throws with 5 seconds to play to put Bradley up 72-71. Doyle got the inbounds pass and made his game-winner with 1 second to go.

Doyle finished with 19, Jeff White and Devon Turk had 14 apiece, and Thomas had 12.

Tyshon Pickett had 25 for Bradley (12-20), Lemon 24 and Omari Grier 12.


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vor 2 Jahren

Maison Margiela represents freedom of creation and an appreciation for beauty in the mundane as much as in the ornate.

Before sustainability was trending on panels. Before sustainability was profitable. Before it was so drastically obviously needed… Margiela was already paving the way. Margiela began reusing fabrics and reappropriating household items, utilising New York street finds as various tools within his creations. Not only did he display this upcycled approach on the runway, literal trash graced the bodies on his very first couture collection in 2012. It was a jolt to haute couture followers and his devotees. For some, it was palpable energy: a sprinkling of cheekiness and playfulness and an appreciation for a utilitarian, socially-responsible approach to fashion. However some found it jarring and disrespectful, considered it nothing to be shown, sandwiched between traditional powerhouse collections like Chanel and Valentino.

In hindsight, these earlier couture collections of Maison Margiela solidified his standing as an artist. The house represents freedom of creation, appreciation for beauty in the mundane and overlooked, as much as in the ornate: a beacon of rebellion in an industry that otherwise places value in opulence. Margiela places value on craftsmanship and spirit. Within our office at Fräulein, we mention Margiela frequently. We all have our own favourite moments, looks, and reasons for admiration. During this year’s Couture Fashion Week, we decided to show some love for the house, and gather the greatest creations from one of the most iconic ateliers of our time. Martin Margiela, John Galliano, we love you forever, in this life and the next- in whatever form we may take.

Spring/Summer 2013

Margiela places value on craftsmanship above all else. Here, he turns discarded candy wrappers into a couture piece of work, through ingenious tailoring. The energy of something to be indulged within the moment, such as a piece of chocolate, is memorialised on the wearer. JS

Fall/Winter 2013

While this outfit may not seem very „couture“ given but a brief glance, the decadence is in the details. The top is constructed out of handpainted mosaic pieces, all sewn together. The material is very stiff and could easily have looked rather „crafty“, yet John Galliano is a master, and brought in his tactile and technical knowledge- from the puffy sleeve to the sculpted face mask, right down to the double lapel. Nothing is more rebellious than deciding to pair this creation with denim on the bottom half. Casual couture, top to bottom. FP

Fall/Winter 2013

This artisanal collection not only brought back Margiela’s iconic face mask in the most beautiful way (plucked with flowers, dripping with paint, covered in crystals…) but also gave life to some old and extraordinary materials including a tulle and cotton coat cut from a 1950s prom dress, sequined costumes from the Beijing Opera in the 1930s, and embroidered Art Nouveau curtains in silk tulle. AKL

Spring/Summer 2015

Club-Kid Realness meets Couture! This creation draws inspiration from the iconic club legend Leigh Bowery, who inspired many designers such as Alexander McQueen. Galliano managed to create a crafty, almost homemade look and still make it feel so rich. Many wonderful, gold single ornaments, like a broken crown, stones and embroidery were placed on this red, flowing fabric. Let’s be honest, nothing says luxury more than the combination of regal red and gold.  FP

Fall/Winter 2015
There is no other designer that could make going green so glamorous: John Galliano has always been more of a rebel than a bourgeoisie. He was one of the first to consider himself a couture eco-artist, and he stands by his statements on sustainability to this day- straying away from the old opulence, re-thinking couture, and maintaining his firm backing of the reuse-recycle-rethink movement, all the while remaining true to his artistry. Here, a plastic dress takes the shape of a cloud, in the most voluminous of proportions. SB

Look 24, Spring/Summer 2017

This collection is all about Galliano showing off his level of sophistication, skill, and emphasis on spirit. The looks are inspired by the freedom of American communes of the past, with nods of stylistic appreciation to tall hats, folksy colors, crude embroideries, and the collaborative effort of groups bringing their unique and specific talents to create something larger than the individual. JS

Fall/Winter 2017 Couture

This collection embodied a very sophisticated and effortless kind of glamour through the great use of constrasts. The color palette was literally down-to-earth: consisting of beiges and cremes, sparsely highlighted by black, metallic blue and gold. Feathers and see through satins and silks with delicate embroideries were paired with heavy leather and wool. By far the most interesting fabric though was the on satin-backed crepe that gave the illusion of two which is best presented in this beautiful look right here. AKL

Spring/Summer 2019

This artisanal collection plays on androgyny and gender-bending- a recurrent theme since early stages of the house’s history. This collection particularly incorporates women’s undergarments, such as corsets, and morphs their shells into classic menswear suits. A more toned down approach to the garments construction served as a reminder of their mastery over a needle and thread, yet the splashy runway colours and introduction of highly reflective materials spoke on social consumption and visual overload that those in Generation Z face every minute of the day. MB

Spring/Summer 2020

Margiela was potently portrayed, worn by a model on everyone’s tongues after his debut. Leon Dame’s lustful and barbaric stroll (stomp) down the runway in a chic male skirt suit made hearts drop, and was the very essence of power in this collection.

The bowler hat, the white gloves, the iconic stitching patterns… everything is classy, yet it still feels rushed, as if items within arms reach were thrown on last minute before leaving your flat in the 6th arrondissement. This elegant walk-of-shame in the “Années folles” in Paris was sensational, casual, well-thought and lavishly thrown together, on purpose. NC

Honorary Mention: the Crystal Masks

In his very first couture collection from Fall 2015, John Galliano created these crystal masks: each mirror piece was hand-cut and assembled, as customary from his home off the coast of Gibraltar. Not only is the craftsmanship impressive, but the concept of covering the high-priced model’s faces was such a strong statement in the questioning of worth, identity, and anonymity as a counterintuitive luxury.

Images Courtesy of Vogue Runway

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On Fräuleins Mind

Right when the long-awaited weekend is just around the corner, we assemble and (of course) share several news that are …


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Family Fall Campfire & Overnight Campout

September 21, 2018

6:30 – 8:00 pm, Commissioners Park, Families, Campfire Only FREE, Overnight Campout $39 per campsite (up to 6 people)

Friday, September 21
6:30 – 8:00 pm
Commissioners Park

Start the fall season out with your family and friends.  Enjoy a cool fall evening around a campfire in Commissioners Park.  Roast marshmallows, drink hot chocolate, play field games, enjoy a hayride, dance to music and listen to ghost stories.  For the second year, bring your tent and sleeping bags to camp overnight at Commissioners Park.  Families will enjoy an outdoor movie with popcorn and a continental breakfast in the morning.  Family fun for all!

Campout Registration Deadline: September 18

Campfire Only
Time:  6:30 – 8:00 pm
Fee:     Free

Overnight Campout
Time:  6:30 pm (Friday) – 9:00 am (Saturday)
Fee:     $39 per campsite (up to 6 people)

For additional information please contact the Frankfort Park District office at 815-469-9400 or www.frankfortparks.org

September 21, 2018


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Fishing Small Streams, November 5

Fishing Small Streams
November 5, 2016
Crowningshield Conservation Area
Heath, MA

Chris Jackson, a fly fishing guide in the Deerfield Valley
( ) will be demonstrating small stream fly fishing techniques and Mike Cole, PhD of Cole Ecological ( will discuss stream ecology and search for invertebrates during this Fishing Small Steams event at Franklin Land Trust’s Crowningshield Conservation Area in Heath, MA. on Saturday, November 5th from 10-12.

This event was made possible in part by a grant from the Heath, Colrain and Rowe Local Cultural Councils.

$25 per person. FREE for residents of Heath,
Colrain and Rowe.

Registration is limited to 15 individuals

RSVP by November 1 or by calling 413-625-9151


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Our Story

We, the van der Ploeg's  are a dairy farming family from the province of Friesland in the Netherlands, and immigrated to the United States in 2003. After settling in Clovis, NM we continued milking cows, raising our own calves and harvesting silage to feed our cows and calves, just like we did in the Netherlands. Our family has always made and enjoyed our homemade yoghurt. We have continued the tradition and are introducing our very own Freanna Original Yoghurt to share with everyone.

From left to right: Jeroen- Production, Karla-Marketing, and Sjierkje and Andle (not pictured) - Owners

     "Freanna" originated from Friesland, the northern province in the Netherlands we are originally from and Anna.  Anna represents not just one important cow but a whole family! Anna was bought in 1938, before the second world war in the Netherlands by our father/grandfather. Andle van der Ploeg learned to milk by hand when he was 6 years old on Anna 12, she was a very sweet cow and a great teacher!  Anna 126 was a very special cow for our family, she was a famous one and made it in the news several times. Like an Olympic athlete, she was in great shape, healthy and strong she also had a strong personality. She had a friend in the herd, Reintsje and you could always find them standing next to each other eating their silage in the barn or walking together from the pasture ready to get milked. Anna wasn't afraid to push another cow out of the way if she was thirsty, even at her old age.  She lived a long life and had several baby calves. There will never be another Anna quite like her, but her name is part of our history . She's lives on in Freanna Yoghurt.

The Netherlands is located in Western Europe near Germany and Belgium.

Frisian cows originally came from the Netherlands   and Holsteins come from a region in northern Germany.  The two breeds have been so commonly

crossbred that the majority of Frisians today are between ¼ to ¾ Holstein, hence the regularly

hyphenated name Frisian-Holstein.

Mission Statement:

We want to offer our customers delicious and nutritious dairy products that are unlike anything else on the market while caring for our animals and being great stewards of the land.

Vision Statement:

Bringing a variety of dairy products to customers that are local, healthy and wholesome.

Freanna's Core Values:
  •  Mutual respect

  • Social responsibility

  • Willingness to fight for beliefs

  • Integrity

  • Sense of humor

  • Support for community

  • Stewardship

  • Family atmosphere

  • Emphasis on quality

  • Hard work

Anna- The gal that started it all!
Honey chia flowers spring
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Apple Jars
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Blueberry Pie Jar
12417 berries, oats, webs
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Apple pie breakfast
Fam in Plant


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‹ Return to Current Obituaries
Send a Sympathy Card
Plant Memorial Trees

Tuesday August 4th, 2015
7:00pm - 9:00pm

View Details

Wednesday August 5th, 2015

View Details

Kenneth C. Schermerhorn

Prattsville- Kenneth C. Schermerhorn, 87, died August 1, 2015. He was born in Scheneves, NY on March 27, 1928 the son of the late Charles and Edna (nee Rappleyea) Schermerhorn. Kenneth retired from the NYS Dept. of Transportation after 25 years of service. He is survived by his beloved wife of 65 years Ida (nee Post) Schermerhorn, his two daughters, Alveda (Joseph Sr.) Mattice of Prattsville, Diane (Dennis) Muthig of Grand Gorge; four grandchildren, Joseph (Roxanne) Mattice Jr., Janice (Craig) Cross, Joao (Linda) Paes, Michael (Julie) Paes; six great grandchildren, Josh Paes, Destiny Paes, Cody Mattice, Kyle Mattice, Brandan Cross, and Kaetlin Cross. He is predeceased by great granddaughter Brittany Paes. Calling hour will be held on Tuesday, August 4, 2015 from 7-9PM at Decker Funeral Home 5312 State Rt. 23, Windham, NY. A funeral service will be held on Wednesday, August 5, 2015 at 11 AM at the funeral home. Interment will be at Fairlawn Cemetery, Prattsville, NY

My thoughts and prayers are with the family. RIP Kenny.

Ruth Pelkey Aug 4 2015 12:00 AM


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Extended Payment Options for Courses and Bundles

Spending money on a writing course can be a big investment.

If you'd prefer to spread out the cost over several months, we offer an extended payment option for all courses and bundles.

If you opt for the payment plan, you'll make three monthly payments for the course.

The 30-day money-back guarantee still applies, and you get full access to the Academy's resources.

(Looking to save money? You'll receive a discount if you purchase a course or bundle and pay the full amount upfront).

Writing Courses

Our courses can help you take the next step on your freelance writing journey. Whether you’ve been writing for years or you’re just starting out, building a successful career as a freelance writer is within your reach.

Maybe you want to gain the freedom that comes with running your own business. Or you love your current job but want to leverage your skills to make a little extra cash. Or you’re a stay-at-home parent who wants to use your passion for writing to create a career of your own.

Whatever your goals are, we want to give you the knowledge, resources and opportunities to make your dream a reality.

Questions before you enroll? Check out our FAQ or email [email protected]

Customize your Freelance Writer Academy experience to match your current situation and your future goals

We offer three different courses, as well as three different course bundles. Whether you choose an individual course or decide to bundle for more bang for your buck, you'll get:

  • A FREE 30-minute coaching session with one of our experienced six-figure freelancers
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  • Option to continue your membership and access to a growing body of resources and continue learning from webinars for $25 per month

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What You’ll Get With the Freelance Writer Academy

The Freelance Writer Academy includes three courses with video modules. Each course is tailored to the specific needs you may have at different stages of your career:

Enroll Now: Beginner course

  • Module 1: Building a foundation
  • Module 2: Creating a portfolio
  • Module 3: Finding paid writing gigs
  • Module 4: Talking about pay
  • Module 5: Getting paid
  • Module 6: Keeping clients

Enroll Now: Intermediate course

  • Module 1: How to run your business like a business
  • Module 2: What editors want from freelancers
  • Module 3: How to transition to full-time writing
  • Module 4: Best practices for interviewing sources
  • Module 5: Maximizing your income
  • Module 6: Useful tools

Enroll Now: Advanced course

  • Module 1: Branding yourself
  • Module 2: Classifying your business with the IRS
  • Module 3: Managing payroll and accounting
  • Module 4: How to hire help for your business
  • Module 5: Create system
  • Module 6: Expand your empire

When you enroll in a course or bundle, you get a FREE 30-minute coaching session with a freelance expert — a $100 value

Ready to Start Your New Career?

Enroll in the beginner course to learn the basics and launch your new career as a freelance writer.

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God’s Punishment

Your Free Written Prophecy will Give Direction

  • MM slash DD slash YYYY
God’s Punishment

God’s Punishment

What is God Punishment?

God was greatly disappointed with the Israelites. God’s wrath was upon them because of their unfaithfulness. His wrath and punishment were specifically promised in a covenant. God’s covenant promised blessings with their obedience and curses for disobedience. In Judges 2:14-15, it stated:

In his anger against Israel the Lord gave them into the hands of raiders who plundered them. He sold them into the hands of their enemies all around, whom they were no longer able to resist. Whenever Israel went out to fight, the hand of the Lord was against them to defeat them, just as he had sworn to them. They were in great distress.

The Israelites disobeyed God and He did everything that He promised. He allowed the Israelites to experience curse lives because of their disobedience. The purpose of God’s punishment was for the Israelites to go back to God. His goal was not punishment but repentance.

Even when they disobeyed God, He wanted them to go back into His presence. It was still a demonstration of His love. If God did not love them, He would have just allowed them to destroy their lives. But God loved them so much that He still found a way for them to turn their backs on their sin and go back to God.

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  • Testimony with Pauline Warner
  • Personal Prophecy with Jeanmary Laurent
  • Join Company of Prophets
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    515 - 604 - 9266

    join now


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Continually adapt your course.
To connect to your life & work.
Support with materials and on line exercises.
Identify your needs, objectives and learning style.
Customise your language programme.
Speak, do and use the English language

The learning process of each human being is unique. Our vision is to offer an engaging, active and adaptable learning programme that analyses the learning needs and style of each student and offers a solution focused on speaking and supported by traditional and digital support material. The Hobson Centre have therefore created a tailor-made learning support system that can be adapted to your ability, learning style and personal needs.

For more than 30 years, our team has been supporting people in their professional and personal lives to help them achieve specific language objectives. Our expertise combined with the teaching and linguistic skills of our teachers enable us to help you evolve and develop at your own pace. Language learning ‘customisation’ is not a luxury - it is an essential. We take into consideration the needs of our learners and adapt accordingly.

With over a 95% success rate in our programmes, you will be able to develop your language learning - no matter your level or learning style. You can go from beginner to advanced in just 300 hours of training.


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Geyser T6

In stock
Geyser T6 brings a burst of lighting energy to your events with a pyrotechnic-like effect.
Geyser T6 illuminates bursts of water-based fog with 6 tri-color (RGB) LEDs. Its advanced fluid sensor with automatic shut off protects the pump from overheating. Compact and lightweight, Geyser T6 is perfect for mobile applications. Highlights
  • Pyrotechnic-like effect without the use of any toxic chemicals, fire or heavy CO2 canisters
  • Assign different colors to each of the remote’s buttons and the manual button
  • Lightweight and compact size makes it perfect for mobile applications
  • Digital display allows for easy configuration even in a fast paced environment
  • Advanced fluid sensor, with automatic shut-off protects the pump from overheating
  • LED-illuminated tank clearly shows remaining fluid level

  • Light Source: 6 LEDs (tri-color RGB) 3 W (332 mA ), 50,000 hours life expectancy
  • Illuminance: 1,783 lux @ 2 m
  • Heat-Up Time: 1.5 min
  • Input Voltage: 120 VAC, 60 Hz
  • Power and Current: 830 W, 6.9 A @ 120 V, 60 Hz
  • Weight: 7 lb (3.2 kg)Size: 12 x 8.25 x 7 in (304.8 x 209.55 x 177.8 mm)
  • Approvals: CE, FCC
  • Tank Capacity: 0.28 gal (1.07 l)Output: 8,000 cfm
  • Fluid Consumption: 28 ml/min
  • Optional Controller: WMS
  • Compatible Fluids: QDF, FJU, HDF
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What is Value Investing?

Our value philosophy is centered around a very simple concept: buying businesses for less than they are worth can create long-term wealth for investors.

Central Tenets of Value Investing

Price Does Not
Equal Value
The value of a stock is measurable and driven by fundamentals
Risk is a Permanent
Loss of Capital

Volatility is not risk
but instead provides opportunity

Purchase Price is Paramount
Attractive long-term returns can be generated by paying conservative prices for good businesses

Why Value Investing?

We utilize a fundamentals-based value philosophy in security selection because value approaches have outperformed the broad equity market over long periods.¹  We believe this outperformance demonstrates that market values of stocks ultimately come to reflect the fundamentals of their underlying businesses.

Our Equity Investment Approach

FRM's equity approach centers on the pursuit of intrinsic value. The price we pay for a security is critical in providing an attractive return on our clients’ capital as well as protecting our clients against a permanent loss of capital. This potential for permanent loss of capital is how we define risk. Our approach requires patience and a willingness to think independently from the market. We perform our own research to determine which stocks to add to portfolios. Our goal is to pay an attractive price for a stock based either on the company’s proven ability to earn or the value of its assets.  We apply an ownership perspective to estimate the "intrinsic value" or what the company is worth.  We then establish our "buy" target price well below this assessment of value to allow a margin of safety for an adequately rewarding return on our clients' capital.  We continuously monitor the company's fundaments for changes to our estimation of intrinsic value and remain disciplined in only purchasing stocks when we can do so at a discount to our estimate of worth.  We have a composite track record of managing equity portfolios since 1990.

Our Fixed Income Investment Approach

Our fixed income management is structured to safeguard capital while generating current income. As value investors, we demand that we be well-compensated for taking any of the various risks present in fixed income securities. We attempt to leverage our research in the stock market to add value when investing in corporate bonds. Risk premiums are frequently attractive on the companies we study the most, since the bonds will tend to be out of favor in parallel with the stock of the company.  We have a composite track record of managing fixed income portfolios since 1988.

More Information about our Track Record

FRM claims firm-wide compliance with the Global Investment Performance Standards (GIPS®), an industry-leading, ethical standard for calculating and presenting investment performance based on the principles of fair representation and full disclosure. Additionally, FRM has completed the voluntary and rigorous process of having our policies, procedures, calculation methods and disclosures verified by an independent party for the period January 1, 2000 - December 31, 2019.  GIPS® is a registered trademark of CFA Institute.  CFA Institute does not endorse or promote this organization, nor does it warrant the accuracy or quality of the content contained herein. A copy of FRM’s GIPS-compliant performance information is available by contacting Abby McKelvy at info@frmlr.com

¹ Among the most well-known studies documenting the long-term outperformance of value strategies is the 1992 paper by Eugene L. Fama and Kenneth R. French titled "The Cross-Section of Expected Stock Returns," published in the Journal of Finance.  Available here: www.jstor.org/stable/2329112. This 1992 study analyzed investment returns from July 1963 through December 1990.  The same two authors updated their analysis though June 2019 in the working paper titled "The Value Premium" written on January 1, 2020.  Available here: https://ssrn.com/abstract=3525096


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Creating Meaning

The desire to create meaning is a life-long impulse that brings new purpose as we age. Featuring the work of Front Porch senior living community residents, “Creating Meaning” is a reflection of each artist’s unique life journey as it unfolds in a myriad of mediums, including fiber art, painting, and mixed media. This year, we also welcome submissions created through the Gallery’s “Kitchen Table Art Project,” an online forum that creates a virtual community of artists. Works include art journaling, photo paint-overs, book arts and more.

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Prime sub par threatens

Sub-prime mortgage-backed securities dipping below par, or full value, as measured by the ABX index, arguably prefaced the financial crisis of the last decade. Tracy Alloway, capital markets correspondent, warns that its steadier sibling the PrimeX, which follows higher-quality US MBS, is now threatening to dip below par, a worrying sign for the US economy.


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Interested in Increasing Your Microsoft Teams Usage?

May 12th, 2020
Microsoft Teams Usage Guide

If you’re like most Microsoft Office 365 customers, you’re probably already using Teams, at least in a limited fashion.  Here at Fulcrum Group, we went through an in-depth deployment back in 2019, and have increased our usage even more during the extreme “Work from Home” scenario we are experiencing today.

Microsoft has put together a short Microsoft Teams Adoption Guide that will help you plan your implementation and adoption of Microsoft Teams.  It provides an introduction to Microsoft Teams, shows how you can improve business outcomes, help you understand Microsoft’s vision for Teams, and provides resources to help your implementation and adoption. Be sure to check this out!


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Home Events Community Nature Wellbeing Saturday Wellbeing Morning
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Saturday Wellbeing Morning

Are your children needing some time out in nature with peers? Do they enjoy exploring, discovering and creating? Our Saturday Morning Wellbeing Club provides the perfect setting and experiences for children to discover new skills, build a stronger connection with nature and settle into a relaxed and inspired state of mind under the guidance of highly- experienced qualified teachers in a beautiful nature setting.

Alongside following the interests of the children, we will be exploring the theme of  ‘autumnal treasures’. We’re going to have a go at making and creating with all the beautiful treasures at this time of year and explore all the colours and changes taking place in nature.  We will have our hammocks, mud kitchen and den building activities for all to enjoy and we will also be creating and trying out recipes for cooking in the campfire!   We will have our popular hot chocolate around the campfire and a calming meditation and opportunities to talk and share about how we feel moving into this next season.

Due to the Scout centre being used at weekends, all of our Saturday Wellbeing Morning events now take place at St Martins School, Caversham Park (a 1 drive from 89th Scouts). We will be using  their beautiful, spacious woodland site for our events which is self-contained, fully enclosed, has plenty of space, interesting areas and cover if needed. We will have use of the schools toilet and handwashing facilities if needed throughout the morning. We will meet all attendees in the school car park on arrival.

£25 per child

£10 for additional siblings

All children aged 4+ welcome

Your child will need a snack and drink for the morning. They will also need suitable clothing for the days weather as our event is fully outdoors.

If you feel that your child will need extra support in any way, please make a note on your booking form or feel free to get in touch with Naomi or Jo at  welcome@gabrielseducation.com .

The event is finished.

Sat, Jun 11, 2222

9:30 am - 12:00 pm

St Martins Primary School, Caversham Park Village
Pendennis Ave, Reading RG4 6SS
Gabriels Wellbeing & Education

Gabriels Wellbeing & Education
07810 736598

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