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Snippet – What to Do About Old Browsers

Web sites reflect the company's professional image. If your site renders improperly or not at all, your company's reputation can be tarnished. If your site has browser display problems, visitors and potential customers will leave your site and not look back. In the post Using Modernizr, Polyfills, YepNope, you learned how you can support browsers... Continue Reading →

HTML5 Tutorial – Drag and Drop

Drag and drop is a part of the HTML5 standard. Drag-and-drop functionality is something that computer users have come to take for granted as "just working," and there are a few ways to enable it within the browser. Imagine a computer or smartphone with a pointing device. -- a drag operation could be like a... Continue Reading →

HTML5 Tutorial – Video, Audio Multimedia

HTML5 defines a new element which specifies a standard way to embed a video/movie on a web page: the <video> element. Internet Explorer 9+, Firefox, Opera, Chrome, and Safari support the video element, but you may need multiple files to support the video formats. For this demo, I’m using a video that is in the... Continue Reading →

HTML5 Tutorial – Local Storage

One of the new features that you may want to use in your line of business application is local storage. We can store data locally or use cookies. localstorage provides a way to persist data on the client side without using cookies. The localStorage attribute provides persistent storage areas for domains. It allows Web applications... Continue Reading →

HTML5 Tutorial – HTML Forms Tags

One of the cool features of HTML5 is the support offered in forms. You’ve probably worked with HTML form tag, which is how you collect customer responses and add interactivity to your website. HTML forms interact with scripts to collect data, record information, or simply involve your readers with your web page. You’ve used input... Continue Reading →

Using Modernizr, Polyfills, YepNope

Modernizr is a small JavaScript library that you can use for feature detection, browser compatibility using polyfills, and quick JavaScript loading. I’ll take each one in turn. It detects the availability of native implementations for next-generation web technologies, i.e. features that stem from the HTML5 and CSS3 specifications. Many of these features are already implemented... Continue Reading →

HTML5, CSS3 Tip – Boilerplates

As you have seen in our introductory posts on HTML5, you will want to start with some sort of boilerplate. Boilerplates help you remember all of the items you need to be successful. HTML5Boilerplate helps you start your project with a lean, mobile-friendly HTML template; optimized Google Analytics snippet; placeholder touch-device icon; and docs covering... Continue Reading →

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• An Introduction and Explanation of Sports Betting

    In starting this discussion about the latest in sports betting online, a pertinent starting point is with an explanation of safety and security related to this pastime. Understanding the advantages […]

  • The Union of Countries Vying for the Rugby World Cup

    Rugby Union has a strong following the world over.  International tournaments take place in the Northern as well as the Southern Hemispheres.  With most other sports, it’s a matter of […]

  • Try to Win Bets at the Rugby World Cup

    Rugby is most popular in a few select countries around the world, namely England, New Zealand, South Africa and Australia, who are considered to be the stars of the Rugby […]

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Churches for Middle East Peace
oppose resolution

House Approves Contentious Resolution on Israel
A look at changes in US policy regarding a two-state solution, response to policy on settlements, and more news in this week’s bulletin.

Image: Reps. Rashida Tlaib and Ilhan Omar opposed the bipartisan measure, along with Reps. Ayanna Pressley and Alexandria Ocasio-Cortez. (Adam Bettcher/Getty Images)

oppose resolution

House approves contentious resolution on Israel

“The House on Friday (Dec. 6) overwhelmingly approved a contentious measure on Israel over the protest of the caucus’s progressive wing, resurfacing tensions on an issue that has recently emerged as a wedge for Democrats. The resolution — which reaffirms support for a two-state solution between Israel and Palestine — ends months of ugly infighting within a caucus increasingly at odds about what was once a basic tenet of U.S.-Israel policy. Four Democrats opposed the bipartisan measure, all liberal freshmen, including Rep. Rashida Tlaib (D-Mich.), the first Palestinian-American woman to serve in Congress, as well as Reps. Ilhan Omar (D-Minn.), Ayanna Pressley (D-Mass.) and Alexandria Ocasio-Cortez (D-N.Y.). Five Republicans backed the measure.”

Image: Reps. Rashida Tlaib and Ilhan Omar opposed the bipartisan measure, along with Reps. Ayanna Pressley and Alexandria Ocasio-Cortez. (Adam Bettcher/Getty Images)

shakir expelled

Israel restricts human rights work in its territories

“Israel expelled Nov. 25 from its territory the Israel and Palestine director of Human Rights Watch (HRW), Omar Shakir, an American-Iraqi human rights lawyer accused of supporting the boycott of Israel. On Nov. 5, Israel's Supreme Court gave Shakir 20 days to leave the country, under a controversial law enacted in March 2017 that allows the state to expel and deport foreigners supporting the boycott of Israel or the settlements. Shakir was the first person to be deported under this law. ‘Today is the culmination of several years of efforts to muzzle HRW and human rights in general,’ Shakir said at a press conference in East Jerusalem shortly before his departure. He pointed out that he will spend the coming days briefing the various European governments on his case, and will return to the region to resume his work and functions from the Jordanian capital Amman.”

Image: Omar Shakir, a US citizen representing New York-based Human Rights Watch in Israel and the Palestinian territories, speaks during a news conference, Jerusalem, Nov. 25, 2019. (Reuters/Ammar Awad)

dem settlements

106 Democratic House members decry White House’s softened stance on settlements
Times of Israel

“Over 100 Democratic House members on Friday (Nov. 21) excoriated the Trump administration for softening its position on Israel’s West Bank settlements. US Secretary of State Mike Pompeo on Monday announced that ‘the establishment of Israeli civilian settlements in the West Bank is not per se inconsistent with international law,’ breaking with decades of US policy. The move, legislators wrote in a letter to Pompeo, made the possibility of an Israel-Palestinian peace agreement more difficult and hurt America’s interests in the Middle East. ‘The announcement… has discredited the United States as an honest broker between Israel and the Palestinian Authority, severely damaged prospects for peace, and endangered the security of America, Israel, and the Palestinian people,’ the letter says.”

Image: US President Donald Trump (L) and Prime Minister Benjamin Netanyahu talk while walking to the West Wing of the White House for a meeting, on March 25, 2019. (Brendan Smialowski/AFP)

What's Happening at CMEP

Advent Devotional Series:

Over the Advent season we will provide you with spiritual resources to encourage your faith and our work.

Discounted Registration for CMEP’s Annual Advocacy Summit Open Now!

Join us in the Washington, D.C. area June 21-23, 2020. This year’s theme is Equal in God’s Eyes: Human Rights & Dignity for All in Israel/Palestine.

New Women behind the Wall Blog Live!

This week: Episode 9: For Those Lost in the Middle. We love to hear your thoughts. Please read and then comment with your prayers.

Choosing to be a monthly donor during Advent giving season is a great way to support CMEP.

tania hary gisha

Gisha Executive Director Tania Hary to UN Security Council: The isolation of Gaza is also a primary obstacle to peace

“(Nov. 20), Gisha Executive Director Tania Hary addressed the United Nations Security Council in New York City. Hary, who was invited to brief the Council on the situation in the Gaza Strip, stressed the heavy damage – to the economy, society, families, and well-being – caused by the sweeping access restrictions Israel imposes on Palestinians, particularly in relation to movement between Gaza and the West Bank, as part of the ‘separation policy’. Hary noted that while certain practices in Israel’s permit regime have changed over time, ‘the overall picture remains the same: Israel believes that it can ‘manage’ the humanitarian situation in Gaza; it has an interest in maintaining the physical and political fragmentation of Palestinians, which allows it to pursue annexation in the West Bank.’”

Watch Tania Hary address the Security Council here.

Image: Gisha ED Tania Hary at UNSC in New York. (British Mission to the UN)

omar tlaib facebook

Revealed: Ilhan Omar and Rashida Tlaib targeted in far-right fake news operation
The Guardian

“Two Muslim US congresswomen have been targeted by a vast international operation that exploits far-right pages on Facebook to inflame Islamophobia for profit, a Guardian investigation has found. A mysterious Israeli-based group uses 21 Facebook pages to churn out more than a thousand coordinated fake news posts per week to more than a million followers around the world. It milks the traffic for revenue from digital advertising. Ilhan Omar of Minnesota and Rashida Tlaib of Michigan, who earlier this year became the first Muslim women to serve in the US Congress, have been singled out for vicious attacks by the coordinated effort."

Image: Coordinated Facebook posts made by an Israel-based group have vilified Muslim politicians such as Democratic congresswomen Ilhan Omar and Rashida Tlaib. (Tom Williams/CQ-Roll Call, Inc via Getty Images)

new election

Elections to be held on March 2 if no coalition formed
Times of Israel

“Blue and White and Likud have agreed that the next round of elections will be held on Monday, March 2, 2020, barring a last-minute coalition deal in the next two days. The Knesset is expected to dissolve on Wednesday night, confirming the failure of both Prime Minister Benjamin Netanyahu and Blue and White leader Benny Gantz to form a governing coalition following the inconclusive September elections. If no lawmaker manages to get the support of at least 61 members of the 120-strong Knesset by Wednesday — and no candidate appears poised to do so — elections will be called for the third time in less than a year. The months-long political paralysis has continued since a previous round of voting in April failed to result in a majority government.”

Image: File: Officials count the ballots from soldiers and absentees at the Knesset in Jerusalem, a day after the general election, April 10, 2019. (Noam Revkin Fenton/Flash90)

CMEP's Bulletin is a weekly round-up of news from the Middle East and represents an array of perspectives on the issues we cover. CMEP does not necessarily agree with all the views expressed in the articles, and they do not speak on CMEP's behalf.

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Sgoil Lionacleit Sports Centre

Sgoil Lionacleit Sport Centre

Sgoil Lionacleit Sport Centre

  • FITNESS SUITE - A new facility with the following equipment - 2 treadmills, 2 elliptical trainers, 2 rowers, 2 cycles and 5 pieces of resistance equipment. The fitness suite is open to the public during the day, evenings and weekends.
  • GAMES HALL - Available for Football, Badminton, Basketball, Unihoc.....
  • POOL - 25 Metre pool
  • RUNNING TRACK - This facility is available during the day when the school is not using it, please call 01870 603693 to check availability. The track is also available evenings and at weekends. During the winter months there are flood lights for training at night.
  • CAFE - Serves light snacks,meals, hot and cold drinks, sweets....

Leisure Link Partnership allows members of fitness schemes in Highland, Moray, Orkney, The Western Isles and Argyll and Bute to access Selected Activities at no extra cost.

Contact Details

Tel.: 01870 603693


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ACE Certified Personal Trainer

Alexi Gniot

Pilates Instructor

In 2000, Alexi first discovered her passion for Pilates at Western Michigan University where she earned her BA in Dance and Psychology.  With her background in dance, Pilates felt both natural and challenging. She loved how each class made her feel stronger, more aligned, improved her dance technique and prevented and rehabbed injuries.   She was so impressed with Pilates that she became a Stott Pilates Certified Instructor and an ACE Certified Personal Trainer in 2004.  After years of teaching Pilates, Alexi wanted to further her education with a Physical Therapist Assistant degree. This degree has fine-tuned her knowledge when working with clients with injuries and post rehabilitation.  Alexi is able to integrate her Physical Therapy knowledge and Pilates skills to help clients of all ages create healthy and strong bodies.  When not in the studio, she enjoys cooking, bike riding, and traveling with her husband.


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Gravestones , Old Bewick Churchyard

  • Description

    "At first glance, I thought these gravestones were quite ancient, but the inscriptions on the other sides are twenty first century." Photo by Derek Voller, 2012.
  • Owner

    Derek Voller
  • Source

    Geograph (Geograph)
  • License

    What does this mean? Creative Commons License
  • Further information

    Resource type: Image
    Added by: Simon Cotterill
    Last modified: 2 years, 8 months ago
    Viewed: 291 times
    Picture Taken: 2012-07-13
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Co-Curate is a project which brings together online collections, museums, universities, schools and community groups to make and re-make stories and images from North East England and Cumbria. Co-Curate is a trans-disciplinary project that will open up 'official' museum and 'un-officia'l co-created community-based collections and archives through innovative collaborative approaches using social media and open archives/data.


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What is the Best Health Coaching Program For You?

What is the best health coaching program? Before we answer that, it is best to answer a few other questions first. What is a Health Coach? Before you can determine what is the best health coach program for you, it is beneficial to have a precise definition of a health coach and what they do. A health coach helps clients identify their wellness goals, motivates them to take steps toward their goals, improves their time management skills so they have time to achieve their exercise goals, and … [Read more...]


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See what's new with COACHING WORLD

What’s Inside Your Heart as a Coach?

Posted by Emma-Louise Elsey | October 2, 2017 | Comments (6)

As coaches we spend a lot of time, effort and money getting coach-specific training and credentials. We take the business of BEing a coach very seriously. We do our best to honor and live our own values. We aim to express ourselves authentically—both in our businesses and in our lives.

We recognize we have shortcomings and are always learning. We learn how to ask questions so that our clients can provide their own answers. We want our clients to be the best they can be, to see the same unique, wonderful person that we see when coaching them!

And when our clients connect with what they really want, why, and begin to take action, magical things happen!

So, What’s Inside A Coach’s Heart? Here Are 20 Traits Of Coaches:

  1. Our clients pay for our time and expertise—our hearts are free.
  2. We’re passionate about coaching and provide a sacred space for our clients to create a life they love.
  3. We see our clients as the experts of their lives—naturally creative, resourceful and whole.
  4. Change is both challenging and thrilling. We help our clients overcome their obstacles and to access the joy and excitement of life!
  5. We encourage, support and believe in our clients, even (especially) when they do not.
  6. We recognize that we have shortcomings and welcome feedback from our clients.
  7. The Coach-Client relationship is one of mutual respect. We love and accept our clients as they are and do not
  8. We help our clients learn to trust and befriend themselves and let go of negative baggage.
  9. Confidentiality is key. We welcome ALL of our clients to our coaching sessions: thoughts, fears, feelings, failures and secret yearnings—these are all safe with us.
  10. We think possibility, not probability. We help our clients find innovative solutions, try new things, take risks, get out of their comfort zones and soar!
  11. Our clients’ inner critics don’t scare us. We see past the critics and judges to the strong, kind, brave, inspiring, unique people that our clients are.
  12. Feelings, beliefs, thoughts and needs are what guide our lives. We love to listen to and explore these together with our clients!
  13. We hold our clients accountable for what they say they’re going to do.
  14. Our clients lead busy, full lives. We help our clients prioritize themselves, so they don’t put other people, or less important tasks, ahead of themselves.
  15. We support and challenge our clients, so they see themselves and the world in the most positive light.
  16. We love to celebrate! We help our clients reflect, pause and take action to celebrate their successes.
  17. Our goal is to help our clients get focused on what they love, value and want from life. We want our clients to come “alive.”
  18. We never stop learning. We help our clients more as we grow in knowledge, experience and self-awareness.
  19. We work to see ourselves and the world in the most positive light, while also embracing the reality and challenges of life.
  20. We love our jobs!

If you’re a coach, you are a powerful enabler. You belong to a worldwide community that helps people achieve their fullest potential! Feel proud of yourself and the important world-enlivening work that you do.

“Don’t ask yourself what the world needs. Ask yourself what makes you come alive, and then go do that. Because what the world needs is people who have come alive.” –Harold Thurman

Do you have any coach traits to add? If so, we’d love you to share them by commenting below!

Emma Louise Elsey

Emma-Louise Elsey

Emma-Louise Elsey has been coaching for more than 10 years and is Founder of The Coaching Tools, an ICF Business Solutions Partner, and Life Coach on the Go. If you like this post, check out more than 100 coaching exercises, activities and toolkits, including the Vision and Goal-Setting Toolkit, and more than 25 free coaching tools. Originally a project and relationship manager for Fortune 500 companies, she discovered coaching in 2003 and hasn't looked back. Sign up for our exclusive newsletter for coaches with many other great articles and tools for your coaching toolbox at The Coaching Tools

The views and opinions expressed in guest posts featured on this blog are those of the author and do not necessarily reflect the opinions and views of the International Coach Federation (ICF). The publication of a guest post on the ICF Blog does not equate to an ICF endorsement or guarantee of the products or services provided by the author.

Comments (6)

  1. Eduardo says:

    That’s a great article. I totally agree with every word. Thank you for having the time to put it all together!

  2. Like the concept/idea of ‘what’s inside a coaches heart’ and the traits you shared. Some thoughts that got triggered from reading your article are:
    A coaches heart is filled with love.
    We hold the space for creativity.
    We listen and challenge the status quo.
    We witness the unfolding of the clients journey.

    Thanks Emma-Louise Elsey.
    Happy Thanksgiving.

    • Dear Michael,
      thank-you for your kind words, and additions! I may have to update the article to include these 🙂 I especially like the witnessing and holding the space – which of course is an important part of what coaches do.
      Warmly, Emma-Louise

  3. Duygu says:

    Dear Emma! It is always inspiring hear from you… Through your tools, your articles, your newletters… Whatever you do you always put your heart into it. I love the way you share and passion of coaching. This article also the voice of the coaches that live with their values. Thanks for sharing.

  4. Dear Duygu, what a lovely comment! Thank-you so much for taking the time to write 🙂 Warmly, Emma-Louise

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Rockit coaster could be data mine for Universal Studios Florida

Posted Wednesday, July 8, 2009 4:37 PM | Contributed by Jeff

Anonymous riders are choosing just one of 25 songs and little else on the forthcoming Hollywood Rip Ride Rockit coaster. It's easy to see Universal Studios Florida eventually populating the selections with artists that it's thinking about inviting to play during the following summer's concert series. In that case, riders would be able to vote in their choices, and Universal would know that it has secured popular artists. The musical acts being considered will encourage fans to go to the park and ride. It's a viral "rider's choice" winner.

However, isn't this where the data mining starts? It won't be long before guests can swipe cards to identify who they are. The park can offer up benefits such as Web-based ride counts or in-park merchandise discounts, but this is also a loyalty program in disguise that will give the park a better grasp of park-goers' behavior.

Read more from Rick Munarriz at The Motley Fool.

Wednesday, July 8, 2009 4:39 PM

Actually, Disney sort of does some data collection, assuming that some significant percentage of people through the gates at Epcot ride Spaceship Earth. You input your language and location on touch screens there. Of course, ride it enough times, and you try out other languages for fun.

"Thank the Phoenicians!"

Wednesday, July 8, 2009 4:50 PM

Lets just concentrate on getting the ride up the lift hill first.. shall we ;)

While I see their point.. I think adding systems that note peoples ride position and choices they make on the ride for data mining will be a few years coming (if at all).

Talk about a way to slow the queue up.

Jeff slipped in one:

I mean individual aware type rides. We are just bodies to SE.

Last edited by ridemcoaster, Wednesday, July 8, 2009 4:51 PM
Wednesday, July 8, 2009 5:04 PM

I already mentioned the data mining possibilities the park have at their fingertips with my TR from Morey's over a year ago:

Lord Gonchar said:
- You do realize how much guest data can be scraped from those scans everytime someone rides, right? Triple brilliant.

The scannable wrist bands/cards they use for ride credits (no more tickets) could be used in so many ways that it's astounding if you think about it.

I don't doubt more and more parks are going to get into this data collection thing - especially the resort parks in Orlando.

(I now find it easier to link to relevant things I said in the past rather than just keep repeating myself ;) )

Wednesday, July 8, 2009 5:25 PM

Your posts will soon be one giant link.. With a Hansen Roll somewhere in the middle..

Nice.... :)

Wednesday, July 8, 2009 5:40 PM

Lord Gonchar said:
....rather than just keep repeating myself ;)

That's actually a sign you're getting old. Pretty soon you're going to start yelling at the neighbor kids to get off of your lawn. :)

Wednesday, July 8, 2009 5:48 PM

Yeah, but now I understand why old people repeat themselves - they've seen it all before.

In terms of the age of this site and how long I've been partaking, I'm an old, old man. Rather than keep repeating myself when topics come up again and again, I've discovered the conveniece of just linking to the first couple of times I said it. :)

Now get the hell off my lawn!

Wednesday, July 8, 2009 10:51 PM

If these parks are serious about data collection and analysis and fail to bring me in for an interview, they've already lost the battle...but I'd still recommend Freakonomics to them. Oh, and good data is absolutely delicious.... ;)

Wednesday, July 8, 2009 11:51 PM

He obviously hasn't done a close look at who actually plays at the park.

While we all agree that parks (and any large business) will continue to expand their data mining operations, to use the Rockit as a means to program concerts is really stretching things.

First of all, the concerts in the park (where no real significant venue exits), is usually relegated to what I would call the fair and festival set. That is, groups that are well past their prime, still have a following, but aren't exactly filling 18,000 seat venues across the country at full pop prices.

Here's the list from this year's Mardi Gras concert schedule.

KC & The Sunshine Band
Saturday, February 14 Frankie Valli & the Four Seasons
Sunday, February 15 The Village People
Saturday, February 21 Ne-Yo
Saturday, February 28 Pat Benatar
Saturday, March 7 Barnaked Ladies
Saturday, March 14 Montgomery Gentry
Saturday, March 21 Collective Soul
Friday, March 27 Boys Like Girls
Saturday, March 28 Kelly Clarkson
Saturday, April 4 MC Hammer
Saturday, April 11 Trace Adkins
Saturday, April 18 Nelly

The park gets them because they are marketable, but CHEAP. Seriously, MC HAMMER!

I usually agree with Rick, as he normally he can get through his enthusiast mindset to see the financial side. However, he must have been under a deadline and just gave up on this one.

Yes, Universal Orlando does have the Hard Rock Live venue, but they don't program it, Hard Rock Cafe Int'l does (and to the best of my knowledge, they are no longer in any ownership relationship with Universal, once Rank got out).

Thursday, July 9, 2009 1:47 AM

Aren't you reading into it a bit? I mean, he suggested it's the start of richer data mining efforts, not a slam dunk.

Thursday, July 9, 2009 9:26 AM

So they can use this ride to show how much one kind of band or song people think would be fun to listen to on a coaster.... yay? Disney did this 20 years ago on Horizons and many parks still use something like this. Heck, your resort ID used for admission you can use for charging and the like can see what you do and stuff. They haven't used it for mining guest info yet, so why would they start on a music poll on a coaster? It just seems like Motley is just trying to find something here that just isn't.

Thursday, July 9, 2009 9:34 AM

Waiting for Rick to chime in... :)

Thursday, July 9, 2009 10:31 AM

I don't doubt more and more parks are going to get into this data collection thing - especially the resort parks in Orlando.

Not too long ago, there was some pretty rampant speculation that WDW was going to start incorporating RFID into the resort IDs. Stick that in your database and mine it!

Thursday, July 9, 2009 11:45 AM

Back even before the fingerprinting they kept track of stuff on my visit in 1995 they were having trouble reading my hand stamp at Epcot. The attendant then just asked me where I was that morning, I then replied (Typhoon Lagoon) and asked if that info was really up there, she said yes and then proceeded to rattle off the rest of the parks I had already visited that trip and asked if I was enjoying Old Key West.

Big Mickey is always watching.

Thursday, July 9, 2009 5:18 PM

I kind of agree with CreditWh0re. The sample is skewed. They would be better off randomly sampling guests as they enter they park. Granted this method provides easy data about the tastes of a good portion of the guests, let's say half of the riders are parents who wouldn't take their kids to a concert, because they like Metallica?

Thursday, July 9, 2009 5:24 PM

Any good data collection analysis process resembles the ongoing continuous construction of a wooden coaster. Maintenance, tweaking, enhancements, recognition of problem areas/deficiencies, etc. "You never stop building a good data set." ;)

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Questions About Sales You Must Know the Answers To

Understanding High End Fashion – Learn Everything There Is For You To Know About It

When it comes to wearing clothes and accessories that are high fashion, one very important thing that you have to make sure you do is to choose one that will fit to your personality as this will make you look good in so many ways possible. These days, if you may have observe, there is an increase in the number of people who are becoming more and more knowledgeable regarding high fashion or high end fashion because of how popular the said brand of fashion has become. As you may have observed in the glittering eyes and the seemingly unstoppable grin that is plastered on their lips, this only goes to show the excitement that they have knowing that they can now have the amazing clothes designed and made by the best and brightest fashion designers all over the world.

Regardless of the fact that there are now so many contemporary styles that plague the market, the traditional pieces are still being worn by quite a number of people as well. For those of you out there who are worried that the may not be able to purchase high fashion clothes due to the budget that they have, well, worry no more as there are now high fashion clothes being sold at a reasonable rate.

After choosing the high fashion clothes to wear and dressing up, you have to see to it that you are placing the best accessories that will suit your style so that you will get the attention of anybody who gets a good look at you. If you want to don a high fashion clothes and accessory, there are quite a number of important factors that you have to take into account and here they are:

READ  6 Facts About Tips Everyone Thinks Are True

One very important thing that you should do in order for you to give yourself that high end fashion look you want to achieve is to make sure you know where you should be looking for it. Not all places you go to will give you what you need or what you are looking for hence, ensure that you have an idea on where you should go to.

Now, if you are to choose for clothes and accessories, of course, you have to make it a point that the one you choose is trendy and sophisticated since high end fashion is a combination of both. You have to check out the many stores that are selling these types of clothes.

Apart from what we have already mentioned to you earlier on in this article, another one that we want you to do is to know about fashion innovation at its finest. Please bear in mind that when it comes to this matter, there are specific patterns that you must take into account.
Getting Down To Basics with Trends
Incredible Lessons I’ve Learned About Trends


text:
Belair: Early Years - Writing : Ages 3–5

Author: Jean Evans
Format: Paperback
Publication Date: 03-09-2012
ISBN: 978-0-00-744801-2
Pages: 64

Regular price RRP £19.99 - In stock Sale

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Writing is packed with flexible ideas for developing early understanding and igniting curiosity in the Literacy and Expressive arts and design areas of learning. Activities across fifteen themes can be tailored to meet the needs and interests of every child and support progress towards the knowledge and skills required by the Early Learning Goals.

- Clear learning intentions for each activity enable effective planning of experiences.
- Suggestions for involving parents with Home Links to extend the learning themes.
- Links to different areas of learning through a variety of topics.
- Photographs of real children’s work to illustrate potential learning outcomes of the activities.


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Collins Easy Learning Preschool - Shapes, Colours and Patterns Ages 3-5: New Edition

Author: Collins Easy Learning
Format: Paperback
Publication Date: 18-12-2015
ISBN: 978-0-00-815157-7
Pages: 24

Regular price RRP £2.99 - In stock Sale Schools' Price: £1.50

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This product qualifies for a same day dispatch upgrade if ordered before 12pm Mon-Fri. Click here for more information.

Level: EYFS
Subject: Maths

An engaging Shapes, Colours and Patterns activity book to really help boost your child’s progress at every stage of their learning! Fully in line with the Early Years Foundation Stage, this Maths book provides reassurance whilst supporting your child’s learning at home.

Combining useful Maths practice with engaging, colourful illustrations, this Shapes, Colours and Patterns practice book helps to boost your child’s confidence and develop good learning habits for life. Each fun activity is designed to give your child a real sense of achievement.

Included in this book:

• questions that allow children to practise the important skills learned at school
• colourful activities that make learning fun and motivate children to learn at home
• helpful tips and answers so that you can support your child’s learning


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6345 Perfect View
    Colorado Springs, CO 80919

    • STATUS: Closed
    • ID#: 2808697
    Off Market

    This property is no longer on the market or has been removed.

    6345 Perfect View Colorado Springs, CO 80919

    • Status: Closed
    • ID#: 2808697

    8z Real Estate- Licensed in the State of Colorado. The real estate listing information and related content displayed on this site is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. This information and related content is deemed reliable but is not guaranteed accurate by the Pikes Peak REALTOR® Services Corp. Data last updated 2020-02-25T09:40:52.18.


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Helko Werk Black Forest Pack Axe

or 6 payments of $29.00 Laybuy

or 4 payments of $43.50

Part of the Helko Werk Traditional Collection, the Black Forest Pack Axe is made with a traditional wide bit, German-style woodworking blade. Made in the Rhine Valley in Germany for more than 150 years, these axes are an example of quality craftsmanship that can only be developed through years of experience.

While the axe is best suited to cutting, with the wide bit it will hold up well for any splitting work. Finished with a lightweight American Hickory handle, it makes the axe light enough to carry in your pack and take out to camp.

Each axe is sent out complete with an American made leather sheath.

  • Blade Width: 105mm
  • Head Weight: 700g
  • Gross Weight: 900g
  • Handle: 50cm

The Good

For every axe purchase $4 will be donated to Lihle through Just Peoples.

Lihle, a local woman from the tribal village of Kwa Shange in South Africa, has a big heart and a big vision. In Lihle’s village there are increasing numbers of orphaned and vulnerable children due to a high prevalence of HIV/Aids. At the same time many children die before the age of 2, so there is an urgent need for improved maternal healthcare. In 2006 Lihle set up education and maternity health programmes to address these two key issues her community faces and break the cycle of poverty.

Read more here.


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AFP Young Professionals Group: Networking Beats NOTworking

When:  Sep 16, 2019 from 8:00 AM to 9:00 AM (ET)
Associated with  AFP NY, Hudson-Mohawk Chapter

AFP Young Professionals Group: Networking Beats NOTworking

Speaker: Dr. Tom Denham, Career Counselor & Motivational Speaker, Careers In Transition LLC

Date: Monday, September 16, 2019

Time: 8am - 9am

Location: Sunmark
1187 Troy Schenectady Rd # 101, Latham, NY 12110

Come and join AFP Hudson Mohawk's Young Professional Group to connect and meet with other young professional fundraisers in the New York Capital Region. This month's topic is Networking beats NOTworking with Dr. Tom Denham of Careers in Transition.

Based on a successful job searching session, Dr. Tom Denham will provide an informative session on networking. Unfortunately, many fundraisers spend too much time in their office or spend far too much time on the Internet and too little time using the #1 donor search technique: networking.  Discover the tactics it takes to engage with the people you really want.  During this session, you will learn how to develop an elevator speech, how to work a room, and unlock the three Circles of Influence.  You will also learn how to integrate social media into a comprehensive networking strategy.  You will come away with methods to master this “contact” sport.

Speaker Biography: Dr. Tom Denham is a Career Counselor, Motivational Speaker, accomplished Athlete and Adventurer. Many in the higher education and business community regard Dr. Tom as a leading authority and much-sought-after speaker on career development, marketing, entrepreneurship, and work/life balance. His enthusiasm helps him to quickly connect with people and inspire them to take action.

Dr. Tom has over twenty-nine years of experience in career services including positions at Skidmore and Union Colleges, Harvard, St. Lawrence and Boston Universities. As the Director of the Siena College Career Center, students honored him as the 2000 Administrator of the Year.

He founded Careers In Transition LLC, a private practice in career services, which focuses on career counseling for individuals and consulting services for organizations in business, education and government.  His institutional client list includes the FBI, SUNY Research Foundation, Time Warner Cable, SEFCU and Turner Construction.

Read Dr. Tom's Full Biography on his Website

About this group: The Association of Fundraising Professionals, Hudson Mohawk Chapter created this group to help young professional fundraisers in the Capital Region build their network and gain resources. The group is open to any who feels they are young professionals! Bring your business cards, any resources to share and your ideas on how this group can help advance your fundraising goals. Join the Facebook group for live updates:

Sunmark Federal Credit Union
1187 Troy Schenectady Rd
2nd Floor Conference Room
Latham, NY 12110
Event Image


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aka ΓΓΓƨϱoￖ℩iA

  • I live in a frozen wasteland. Well, actually, it's a pretty urbanized area. But it is cold.
  • My occupation is the founder. Maybe not of this wiki, but probably some other one.
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This is a Community Central user page.

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The very first Anti wikia skin Barnstar is awarded to the co-creator of the Forum:Anti-Wikia Alliance. Because of your valiance and dedication, the staff now appreciates the severe consequences of neglecting and ignoring wikia's most valuable asset: the editors. Anno1404 18:58, November 28, 2010 (UTC)

Community content is available under CC-BY-SA unless otherwise noted.


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Changing card payments

I have been trying to change my card details for over a month now and it will not save how can you help me I or tell me how to cancel everything

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schnapps Legend 5
Legend 5

Re: Changing card payments

Hi @Richard-clarke1

I don't know if this is relevant, but see if the solution in this linked thread below has any bearing on why you can't save your new card details.

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Canon Community Canon Community

New Contributor
Posts: 1
Registered: 05-16-2017

Canon MF733 - Poor scan quality

We have several issues with a new Canon MF733 machine.

PDF black & white scan is very poor quality.  Settings in scan utility are set to PDF, 300 dpi.  Text is legible but poor.  Original document is high quality.  Image size is only 120KB in size, unecessarily small in modern computer and internet specifications.  Can this image quality be increased along with an increase in file size (600KB would be more appropriate for a quality scan)?

Additionally, when scanning a document in color, the default file type is .JPEG, this is not wanted and has been changed to .PDF for color images on both the originating from computer and originating from scanner.  However, the color scans are still sent to the computer as .JPEG images even after a restart of the printer as well as the computer.  Is it possible to force a color scan to be sent as a PDF.  It is cumbersome to import .JPEG images and convert to .PDF files after scanning.  The HP machine this MF733 replaced scanned color images to PDF or JPEG as specified.

Both the issues described above also occur in our D1500 copier.  We did not pursue further as it is almost solely used as a copier.  This is not an acceptable situation for an office printer/scanner where document quality is required.

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The Corcoran Report: February 2010
With the first week of February coming to a close, the Florida Legislature has completed the third committee week of the year and the first of February. Two more committee weeks await, then legislators will spend the final week of the month in their district offices preparing to head to Tallahassee for the Regular Legislative Session, which kicks off on Tuesday, March 2nd.

Late last week Governor Charlie Crist unveiled his budget recommendations for the coming year. Relying on revenue swept from trust funds, more than $1 billion in anticipated funding from the federal government to offset increases in Medicaid, and assuming the passage of a gambling compact with the Seminole Tribe, which will bring in additional revenue, the Governor's budget recommendations do offer a balanced, although increased budget over last year. Governor Crist's budget recommendations come in at $69.2 billion and offer increases in per student funding for education as well as increases in spending for Medicaid and other social programs.

Legislative leadership responded coolly to the budget proposal and indicated they will take a more conservative approach in crafting a budget this session. Because Florida's Constitution requires passage of a balanced budget, it is also possible that the anticipated funds utilized in crafting the Governor's recommendations may not be actually available to legislators in considering the final budget.

Throughout most of the year, Florida economists have predicted the need to reduce Florida's budget by between $2.6 and $3.6 billion. This has cast a somber mood across the halls of Tallahassee, with most of the committee weeks focused on budget related matters.

The overall view is that this session will be consumed primarily with issues related to the budget and Florida's overall economic condition. With elections approaching in November, legislators seem eager to address the state's economic condition and pass a balanced budget that meets critical needs without compromising the state's current reserves.

Legislative leadership has made several issues a priority for consideration this session. The House is particularly focused on addressing job creation concerns in the state. Last month leaders from both chambers held a jobs summit in Orlando to consider actions the legislature can take this year to address this issue, which continues to be a high priority for many Floridians.

Additionally, because of the drain on Florida's unemployment compensation fund, Florida's unemployment tax is slated to rise dramatically. Legislative leadership as well as Governor Crist are working on a solution to mitigate the increase, which will be particularly burdensome to employers who are already facing a challenging economic environment without a dramatic monthly tax increase assessed for every employee.

Senator Charlie Dean has also filed legislation this session that would allow local governments to post public notices via the Internet as opposed to in their local newspaper. CPF, working with other organizations, has been working on this issue in an effort to broaden the available options for public notice without moving to an entirely Internet-based model. At this time, Senator Dean's bill does not have a companion bill in the House.

Additionally, the first committee of reference for his bill, the Senate Community Affairs committee, released an interim report in October 2009 raising concerns with Internet-only notices, specifically noting that many Floridians simply did not have Internet access at that time. CPF, FCPAN and other organizations continue to be actively engaged on this issue and we will continue to keep you updated in this regard.

As always, we appreciate the opportunity to serve you, the members of the Community Papers of Florida. As you have questions or need information about specific issues or legislative proposals, we, along with the CPF staff, stand ready to provide the information and guidance you need. Your senior leadership team and board of directors are committed to working in Tallahassee and throughout Florida to encourage and grow the industry's opportunities. We stand ready to answer any questions and provide research and information as you desire. Please do not hesitate to contact us.

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Opinions expressed in articles within this site are those of their owners and may not reflect the opinion of CPF.


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Dear Veterinary Professional,

Your client is seeking financial assistance for medical care for their pet from Companion Bridge. Companion Bridge is a 501(c)(3) registered nonprofit charity founded in 2013 to offer financial assistance for non-routine and emergency veterinary care. We work with the owner to provide funds and fundraise for treatment to hopefully eliminate the need for economic euthanasia. There is never any guarantee that funds will be raised but we do our best.

In order to assess whether or not we can help this companion animal or not, we need a low and high end estimate from your office as well as a Diagnosis and Treatment plan. Ideally this estimate should be broken down, so that we can determine which part of the care we can possibly help with. Please see the policies listed for what we cannot help with. Every client receives a copy of these policies as well.

At this time we would like to ask if you could possibly extend Companion Bridge a courtesy discount so that we can continue to keep our costs down and help as many animals as possible. If we provide funding for the animal we will also need a copy of your W9 for our records. Payments from us will be in the form of a credit card or check.

Companion Bridge Policies

  • We cannot help until all required documents have been received and reviewed. The name and address at the Vet must match the documentation. If you have recently moved you will be asked to provide proof of residence
  • We cannot help if your animal is being held at Vet until payment is made
  • We cannot pay on an invoice showing a zero balance
  • We cannot pay on Care Credit and cannot help if you have been approved for the entire amount needed by Care Credit
  • We can only pay Vets and Vendors and we cannot help if you Vet will not accept payment from us
  • We cannot help if your Vet has setup a payment plan with you
  • We can only pay for care for the diagnosis listed. If extra money is raised it will go to another companion bridge animal. Additional funds cannot be used for other services or a second pet.
  • There is a $200 cap on funds paid out from the general donation fund for non-life threatening procedures. There is also never any guarantee that we have money in the general donation fund.
  • We cannot provide funds for preventative medications such as heartworm, flea and tick etc. We cannot provide funds for vaccinations, yearly bloodwork, dental cleaning, spay /neuter or euthanasia
  • We cannot provide funds for genetic hip and knee problems i.e. non physical trauma
  • Companion Brdige funds cannot be used for long term treatments such as cancer, diabetes, respiratory etc.
  • We cannot provide general funds for blindness or eye issues unless the animal’s life is in danger.
  • We cannot provide funds for ongoing physical therapy beyond what was included in the original quote i.e. things such as acupuncture, chiropractic, laser etc.
  • We do not provide funds after a procedure or care has already occurred to pay off an outstanding bill.
  • We cannot pay for any elective surgeries / treatment
  • You must be 18 in order to post a story
  • We do not post any crowdsourcing links in our stories
  • We cannot help animals with breeders or that are in shelters or rescue groups
  • Stories posted can be kept up for 30 days but can be removed earlier if an animal has received treatment and been released
  • A household/family may only apply for help once
  • Companion Bridge can only help animals for residents of the United States

Please fill out the form located here:


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Christine A. Hartley (Honey)

Christine Hartley - Pic
Christine A. Hartley (Honey)70, of Orlando Fl. passed away in the hospital Wednesday October 31, 2018 after a brief illness. Ms. Hartley was predeceased by her sister Mable. She is survived by her brothers William and Raymond Rogers; her son Russell Hartley and his wife Denise and their four sons: Russell and his fiancé Crystal; James, Michael and Nicholas; her daughter Tina Minor and her son Jahvonte; her son James Hartley and his wife Linda; her son Derek Hartley and his daughter Krystal; her daughter Amanda and her three sons Jordan, Moses and Noah. She is also survived by two great-grandchildren Aiden and Keira Hartley and many cousins, nieces
and nephews.
Per her wishes there will be no funeral services. In lieu of flowers, donations can
be made to the American Heart Association in her memory.

About Compass Pointe Funeral Services

Compass Pointe Funeral Services is a licensed funeral home in Central Florida. As a family run business, we offer a wide variety of funeral services typically at a lower price that our competitors. Thank you for supporting a family business.
This entry was posted in Obits. Bookmark the permalink.

2 Responses to Christine A. Hartley (Honey)

  1. Debbie says:

    My thoughts and prayers go out to you Russell and your family. Mom was a great lady and loved you all. Xox

  2. Tina Marie Hartley Minor says:

    I miss you Mom till ETERNITY….. Deepest pain I have ever felt..REST IN LOVE MOM

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Sharp & Tappin Compcut 200 Saw Revolutionizes Specimen Production at SHD Composites

Sharp & Tappin has recently installed and commissioned one of its new Compcut 200 advanced composite saws into SHD Composites in Sleaford, Lincolnshire.

Sharp & Tappin has long enjoyed an enviable reputation for developing innovative engineering and technological solutions.

The Compcut 200 represents the latest in Sharp & Tappin’s range of composite machining solutions. This new machine has been designed to offer composite R&D teams and test centres affordable access to an easy to use though inherently sophisticated and robust plate saw.

The Compcut 200 enjoys a host of well thought out features that include

  • Compact size with small footprint
  • High quality surface finish allowing immediate testing
  • Clear working area visibility
  • Excellent perpendicularity and parallelism
  • Automatic material positioning and innovative clamping
  • Ability to run multiple specimen cuts
  • Fully enclosed work area ensures user safety
  • Both dry and wet cutting options
  • Automated control and part programme capability for consistent results

Ben Sharp (Sharp & Tappin – Technical Director)
We are extremely proud to have one of our new Compcut 200s being used by such a well known and respected company as SHD Composites, who are at the cutting edge of advanced composite technology.

Alix Sauget (SHD Composites – Research & Development Manager)
We have been using the Compcut 200 for the past month and are already seeing the benefits of its enhanced production capabilities.

In short, the Compcut 200 has enabled us to quickly, easily and consistently produce high quality test samples, which all have an exceptional cut, perpendicularity and parallelism. Thus meaning we are now able to test our samples straight from the saw without needing to deburr or polish them first, saving us a significant amount of time and effort every day.

We believe the Compcut 200 will be a valuable addition to our organization and are looking forward to developing and building on our relationship with Sharp & Tappin going forward

Helen Doughty (SHD Composites – Director)
We are really pleased to be one of the first companies in the UK to be using the Compcut 200 as an active part of our composite testing process and are already seeing the benefits because of the amount of time it is saving the team.

This purchase combined with other major investments in developing and enhancing our in-house composite production and testing capabilities, ensures we can support the requirements and demands of our customers in the long-term.

For further details on Sharp & Tappin or Compcut products please contact:
Jon Small, Business Development Manager, Sharp & Tappin. 01409 253534


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Category Archives: Financial Independence

How to avoid lifestyle inflation to achieve Financial Independence

House and bicycleHousing, Transportation and Food are the big three categories to control in order to maintain a relatively high savings rate. To achieve financial independence (FI), the most important thing is your savings rate as I explained in a previous post here.

A lot of people try to find investments or other means with a high return rate. However, this may turn out futile if the necessary capital available to invest is not substantial. Good returns do not have a big impact if you intend to be financially free at a young age, considering that the stock market typically returns nominally 10% a year.

I am in the process of looking for a new place to live in January 2020 and this has made me to seriously consider my lifestyle costs in future. When I moved to new places previously, I did not  do the math well, particularly for housing and transportation costs in relation to my new lifestyle. In a number of cases, this has resulted in me being worse of either financially, by quality of life or both.

For example, when I moved for my current job (from Cambridge to London outskirts) my salary went up by 13%. This seems great but I ended up living 11 miles from work compared to 4 miles previously. This seemingly innocuous change turned a simple 20 minute commute into a gruelling drive of over an hour in rush hour traffic.

The new job meant that I lost many hours a month plus cash due to the long commute and I was generally more tired. It felt like I had already been to work when I got to work.

Housing and Transportation

I see management of these two elements as being critical in propelling me towards financial independence at this stage. It is not wise to find a cheap place to live which is very far from work, costing time, an arm and a leg to get there. For this reason, I have decided to find a rental within walking distance of the office. Costs will be roughly the same as the previous place but the commute by car or train will be completely eliminated, resulting in cost savings and 7 hours a week freed each week. That would be effectively gaining an extra work week each month!

55% savings rate

To be financially free by my target date I have estimated that at least an average 55% savings rate will be required. This has been over 53% so far. I will also need to maintain the progress made by maintaining my core living expenses or even better by reducing them. To do this it is important to know current and expected expenses which will guide the search for new accommodation.

Housing and Transportation to gross income ratio

People often wonder how much they should spend on housing in relation to their income. It will depend on what you can afford and what you value in life. I was a bit shocked when the estate agent said that I could afford a place which is my gross salary divided by 30. This would mean that 53% of net pay would go towards housing which is ridiculously high. Admittedly I would get a nicer place but my financial independence progress would drop to only 29% and future savings to 35%. Achieving freedom would become practically impossible, leading to many more years in the cubicle.

Housing and Transportation to gross income ratio

With these facts in mind how much should one allocate towards housing and transport. I have been tracking how much I spend on these two since 2007 as shown the the graph above. When I started my first job in 2007 I lived in shared accommodation with very low costs and a 20% spend. However, within a year I got a small pay rise and had a huge bout of lifestyle inflation by moving to my own studio flat.

Now with a hefty 30% expenditure I managed to save absolutely nothing after a three year period and remained with even more credit card debt while having a negative net worth.

Over the next few years I moved locations for new jobs and back to shared accommodation. This enabled me to pay off the credit card and start the fi journey in 2012.

The housing and transport expenditure proportion has been steadily decreasing due to some some pay rises and is expected to get back to near 20% when I move to the new place. I find this to be an acceptable amount to pay. It may mean sacrificing a little luxury but will not derail progress towards financial independence within a few years.

*It is also important to stick to a budget while tracking your other expenses as these will affect the overall picture.

In summary, to maintain a 55% savings rate I would need to spend roughly 20% of my gross income to housing and transport to achieve financial freedom within 3 years. This is based on my current level (52%) of expenses covered by passive income.

I have found this to be the most comfortable scenario for me in relation to my goals. Everyone’s situation will be different.

Geographic Arbitrage

As I am currently based in one of the most costly areas of the UK (South East), applying some Geographic Arbitrage almost anywhere would definitely have a positive impact. Quality of Life could be increased and Cost of Living reduced readily so this will definitely be on the cards soon. In fact I realise that I am already 70% FI for less costly parts of the country.

Also, renting a place rather than owning is beneficial as one would be far more flexible to take advantage of opportunities and overall expenditure on housing and transport would be far easier to limit.

Things look set to get more exciting in the next couple of years as the snowball keeps gathering speed and size, opening up more possibilities and options.

Why I am Optimistic about future investment returns

New York City Skyline at DuskFuture stock market investment returns are likely to be very substantial, even more so than past returns. This is an interesting topic as I have had a few conversations recently with people who believe that future returns will be lower than before or even negative. Their reasons do not seem logical to me; particularly because they are mainly based on short term thinking, ranging from a few months to a few years and lack of understanding of how the stock market works.

A crash is coming!

The most common reason for pessimism about future returns is that a stock market crash is imminent because the market has sharply risen to very high levels recently. Having been a stock market investor for nearly 10 years I have heard this all the time but it has not deterred me from investing.

In fact, I have often taken advantage of this negative sentiment by buying more shares at depressed prices. Without fail prices have always come back to where they were, sometimes after what felt like forever, but the end result is an outsized gain.

The key is to believe in “reversion to mean” of stock prices and remaining invested by not touching yourlong term investments when volatility happens. It is best to take the long term view, typically 5 to 10 years or more.

Dow Jones Index Chart (1985-2019)

The chart above of the Dow Jones Industrial Index shows investment returns since 1985. Red bars are years of negative returns. It is clear that over the long term, buy and hold investors have benefited, despite a few short term shocks along the way.

Here are a few reasons why the future of investments is bright.

The rise of new industries

The S&P 500 index is packed with great companies which have thousands of workers striving everyday to bring value to Shareholders. Over time we have seen new industries come, becoming bigger and superseding what was there before. It is hard to imagine that Amazon, Facebook, Netflix and Alphabet did not exist 30 years ago.

New industries are always developing according to the needs of the time and the new companies providing the required services or transforming accordingly will surely reap the benefits. In-order to participate  in this, the intelligent investor will realise this fact and construct a portfolio which invests in the stock indices that will hold such companies.

Billionaire Space Race

A good example is the new Space Race. Private entities like SpaceX, Blue Origin and Virgin Galactic are jostling for stakes in this space and the potential is huge. Space tourism would be highly profitable and take various forms. Governments are already contracting such companies for International Space Station missions. Mining operations in far off places like Mars may become possible. Establishing a true industrial base in space is another objective. Reusable rockets drastically reduce mission costs, accessibility and time.

The pace of technological innovation in this Digital age is staggering. Take investing for example. A few decades ago the process was very cumbersome as one needed to hold and mail a lot of stock certificates. Information was not readily available therefore very few people had access to this and brokers charged astronomical fees to everyday investors. Today one can research and buy global stocks instantly on a handheld device.

In this and other sectors, automation is increasing productivity and has potential to drive up returns. It is certain that innovation will continue to happen, offering new opportunites, products and services.

Population growth

I remember a time when the World population was hovering around 6 billion. Today this has jumped by nearly 2 billion and is trending higher.

World Population data estimate - 8 Sept. 2019

World Population data estimate – 8 Sept. 2019

The graphic above from here is very interesting. Net population growth appears to be very high. This fills me with optimism; many more potential users of goods and services than ever before. Astonishingly it took 200,000 years to reach 1 billion; and only 200 more to 7 billion. More importantly, these bigger markets will be more and more prosperous than ever before, fuelling the growth of current and future corporations.

Too much Information

Every time I turn on the news it seems like the world is about to end. From trade wars, geopolitics, questionable economic forecasts to severe weather events it is not hard to see why some believe that a recession is around the corner. The facts outlined above lead me to believe the opposite. It is best to have a low information diet and focus on the facts.

Gaining financial independence requires discipline in saving and investing so staying the course is vital. Staying optimistic will provide motivation over the long term.

50% FI (Financial Independence) in 7 Years! – What it took to get here

Today marks a significant milestone in my journey towards Financial Independence (FI). According to my calculations I have reached the halfway point of achieving this goal. This endeavour started almost exactly 7 years ago in June 2012. The purpose of this blog and my book is to document how I am striving to complete this task within 10 years.

There are many factors which have motivated me to embark on this journey. I moved to the UK from a developing country which was facing a severe economic crisis and went on to study engineering at university. This was particularly tough due to the very high international student fees, living expenses involved and having to adjust to a new culture.

Uncertainty and job security in the workforce were other major factors. Money was always scarce when I had to work all throughout my studies which was not ideal. It was therefore no surprise that when I got my first professional job I thought I had made it. I was thinking in terms of income rather than net worth. This led to an episode of lifestyle inflation in my mid to late twenties.

The Big Three – Housing, Transportation and Food

2007: £1,000 Debt

In order to get your finances on track you need to keep the big three (housing, transportation and food) under control. I did the opposite while working at that job. Moving from shared housing to my own rented flat greatly diminished my savings rate as I faced an explosion of monthly bills.

On the food front I was equally terrible; I never prepared my own work lunch, instead opting to buy costly unhealthy food every lunch break. Anything from burgers to fish & chips and kebabs. Life was good I thought.

I wasn’t done yet! As if all this was not enough I decided to embark on my next wasteful adventure: car ownership. At that time I lived in Manchester where commuting to work by bus was incredibly cheap. A bus pass which I used was something like £5 a month. I convinced myself that I needed to drive so did a lot of lessons and got my licence. Soon after I went car shopping. I barely did any research into this and quickly bought a used Peugeot 206 for £2,000 in 2009.

This car turned out to be a real lemon. It was dangerous and very expensive to keep. I remember at least three times where the car left me stranded on the motorway due to major mechanical faults. One situation was the clutch snapping during heavy snowfall and the other was parts falling from underneath the car in the dark. Such breakdowns are often accompanied by other extra costs such as repair bills, recovery and using alternative transport. As a new driver, the insurance was ridiculous at over £1,200 a year.

Recession and plugging the hole

2010: £2,000 Debt

In the height of the global recession in 2010, along with many others, I had to leave my first job as the company was facing big financial problems. Obviously this was not good but it turned out to be the greatest thing to happen to my situation. Immediately I left Manchester to go and stay with my mother as I had managed to save exactly nothing in three years due to the above. In addition, I had maxed out my £2,000 credit card. I managed to get a new job soon after though so did not need to sleep on the floor for too long.

Seeing the light

2012: 0% FI

It was as if the reset button had been pressed. Realising that my previous lifestyle was unsustainable I moved back to shared accommodation and started to keep spending under control. I also started aggressively paying all of the credit card debt. However, I still did not have a good financial education and lacked long term thinking.

The only thing I was saving for was a car. When the Peugeot finally died I bought a used BMW.  This one final major mistake ensured that 5 years after starting my first job my net worth dipped back to zero. I consider this the beginning of the journey to Financial Independence as I have not made any drastic purchases since. The BMW was a nicer vehicle which i kept until it was written off in a crash in 2018. Again, after massive ownership costs (estimated £470 monthly over 6 years) there was nothing left to show for it.

2014: 5.52% FI

In 2014 I came across Financial Independence by reading a few blogs; in particular Dividend Mantra and Mr Money Mustache. I did not need any convincing at all and hopped on to the movement. I learned about Vanguard investments and the Bogleheads, reading a few investing books such as The Millionaire Next Door and listening to several podcasts along the way.

2017: 25.87% FI

Going through all of Warren Buffett’s letters to Berkshire Shareholders and watching the live stream of the meetings on Yahoo Finance was fascinating, giving me access to the mind of the greatest investor in history. By applying these principles and living frugally, my net worth has been increasing exponentially.

Lessons learnt

July 2019: 50.04% FI

Car ownership is very expensive.  By only looking at the purchase price it is very easy to ignore the true cost of car ownership when making a purchase. It is more useful to look at total ownership at around £0.50 per mile. More detailed typical costs are provided by the RAC here.

I would recommend to avoid car ownership if you have access to other reliable means of transport. This is very difficult for me as I enjoy researching the latest cars, watching Top Gear and going for a Sunday drive. In future I will ensure that such a purchase is made from a position of strength and once all options have been thoroughly vetted.  Going car free has boosted my savings rate by more than 10% which can drastically reduce the time to FI.

Automation and consistency are critical to building wealth. I find it very useful to budget every month by estimating upcoming expenses as accurately as possible. Once done the projected amounts can be directed to investment accounts while aiming for a 50% plus savings rate. Tracking net worth is also a good motivator (see example chart above); it gives a snapshot of where you are in relation to the goals.

It takes a long time to see big gains. During the first few years of investing seriously little or even negative progress will be experienced. It is only at this point that the effects of compounding can be noticed. Giving up early is not an option.

Take advantage of market crashes. When the stock market is down it means prices are cheap. It is best to invest as much as possible during such times. If I look back 5 or 7 years ago I am astonished at how low prices were compare to today. Keep calm and do not sell.

Don’t get too excited in the good times. As stocks hit an all time high today (The S&P 500 closed at 2,995.82 points and the DOW at 26,966.00) it is tempting to claim to be an investing genius. However, we should aim to be rational and not start investing more now when there is irrational exuberance. Focus on the long game not day to day market movements.

Keep learning and building skills. I am amazed at how much knowledge is out there. Just pick up any good book to find out. Try out many new ideas; most will fail but you will learn a lot. I have picked up a lot of skills from running this site including SEO, Analytics, Adsense, graphic design, improved writing, web design and digital product creation. I did not know most of this stuff a few years ago. it may come a time when one is FI that such skills will be useful in a new occupation where you are self employed.

Avoid keeping up with the Joneses. It is tempting to acquire flashy material possessions (cars, houses, clothes etc.) to appear successful or impress people you don’t care about. This can backfire and you will be the one left to pick up the bill. Best thing is to obtain what you actually value and is affordable to you.

The point of Financial Independence is to open up more life options, not necessarily early retirement. I look forward to covering the next half of the journey. I know that this will not take as long and the gains will be ever bigger as the snowball keeps rolling bigger and faster.

How to give yourself a perpetual pay rise through index investing

Getting a pay rise is the ultimate dream for many workers. How can you get a pay rise without following the usual frustrating processes in the workplace. By taking a different perspective at building and maintaining an investment portfolio it is possible to take the initiative give yourself a pay rise. Even better this can be set up so that it happens perpetually, regardless of what your employer does.

Taking a personal initiative and interest are imperative. This realization came to me as I was sat in a work webinar Q&A session between management and employees.

The general theme was that employees were not happy, and to be honest they are completely powerless about most of the issues raised such as new graduates starting on higher pay than older ones, why pay rises are 2% when profit margins are far larger, who and how one gets a bonus etc.

All this on top of external factors which may affect the company due to the wider economy and a recent corporate takeover of the organisation by a larger competitor which has an unsavoury past. Hence it is important to have control of the situation.

Taking control

The process is not simple as all the traits of pursuing financial independence should be applied, mainly; patience, discipline, frugality and the appreciation that simple arithmetic works.

Like many, I used to wait around to get the bog-standard 2% or so annual pay rise which, at the whim of management, is often distributed with little regard to the employee’s performance. Depending on the industry, some will also get a bonus if they are lucky. This seems to be standard practice for a lot of companies.

At an early stage I realised that this was going to be the likely scenario in the workplace so I decided to take action. Having control over the growth of my net worth meant taking control of my finances, rather than relying on a manager at work using some esoteric means to determine my future.

Taking control meant living within my means, cutting back on unnecessary expenses like motoring, self-educating on business and finance, achieving a 50%+ savings rate and investing in the stock market. Obviously, this approach has not been easy – spending big always seems more attractive than saving.

Dividend growth and investment returns

With the annual growth of Global dividends currently running at 8.5% according to Janus Henderson, it is clear that by holding a sizeable investment portfolio you can grow your income substantially. I would rather have 8.5% than a paltry 2% any day. Coincidentally, this 8.5% growth is not too far off from the long term return of the stock market so we can use it to run a few scenarios:

Suppose you have two workers at the same company who make £40,000 each. Worker A has zero interest in investing or perceives it as “risky” while Worker B is well on their way to financial independence and has been diligently saving and investing for a number of years. Worker A assumes that their pension is secure and someone else’s problem to manage. Their company does not offer bonuses and Worker A is always complaining about how little his pay rises every year therefore feels powerless to do anything about it.

Worker B, however, is not worried at all as his personal financial hacks have unlocked additional income which is unrelated to his employment. Instead of frivolous spending and accumulation of liabilities, Worker B has built a diversified portfolio of stocks and shares, real assets. As an example Worker B has a portfolio of £250,000. Using the typical 8.5% return this means that the portfolio earns an additional £21,250 a year for Worker B, which would be tax-free when invested in an ISA account. As this figure is equivalent to net pay, the worker would need to earn a gross salary of about £26,500 to take home the same amount.

Impact of investment returns on salary

Adding this to their pay we find that Worker B theoretically earns £66,500; substantially more than Worker A and an impressive 66% on top of the standard salary (see above). This would occur at an ever increasing rate every year depending on savings rate. Now that is what I call a pay rise. It is also interesting to note that the investor would easily stealthily grow their income to such a state that they would be better off than other people above their pay grade or other higher paid professions.

These gains would actually be bigger if higher tax rates were considered but that calculation would be a bit complex to do for our example. Gains would vary and may be bigger or smaller depending on yearly market fluctuations but it is important to focus in the long term. When not withdrawn, the gains are unrealized and therefore reinvested to form an ever larger snowball.

Financial Independence – the journey is as important as the goal

This perspective shows that there are multiple benefits to striving for financial independence, even way before the goal is achieved. The greater the savings you have, the more the opportunities which appear to you. It is time to say no to zero or below inflation pay rises. I honestly no longer worry about pay rises or bonuses like I used to when considering the perpetual (and growing) impact an investment portfolio has.

Interesting reading:


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Summer School in Biophysics at ORNL: Computational and Experimental Challenges

The summer school in biophysics at ORNL targets senior undergraduate, graduate students and postdoctoral fellows in "exact sciences" (physics, mathematics, computer science, chemistry, materials sciences, etc.) who are interested in considering biosciences as future career direction.

Our goal is

- to expose the participants to research opportunities at the interface of biological and physical & computational sciences by presenting grand-challenge biological problems that showcase the power of relevance of physical and computational sciences to important biological problems,

- while creating an interface through which the biological community can present the "exact sciences" community with problems that require advanced technical approach and therefore are highly interdisciplinary.

Oak Ridge National Laboratory


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TEIN, Inc. is a worldwide company with facilities in Japan, United States, China, and United Kingdom. All TEIN lowering springs and coilover are manufactured and assembled in their factory based in Yokohama, Japan. What sets TEIN apart from other competitors is their dedication to suspension components. TEIN develops specific product specifications for the different regions based on consumer demands, road conditions, and vehicle specification. This means that their consumers get the best possible product for where they live, and how they drive.

Copyright 2020 Concept Z Performance


text:
April 11th, 2017 I sat in the beloved Café 80 where myself, Sebastian, Matt and Alan would regularly grab a bite to eat. This happened to be one of my final days interning for Conexie and I was beginning to realize that I did not want it to end. I was really enjoying the work I was doing, the people I was interacting with and the new skills that I was tapping into. My previous internship in the States was a corporate finance position at PJM Interconnection. It was your classic office job that consisted of data input, number crunching and entry level analysis. Don’t get me wrong, I did not have a problem with what I was doing, but I began to realize that doing the same thing every day was incredibly dry. I wasn’t convincing myself that this was what I wanted to do for the rest of my life.

But let me back up a few steps. When spontaneously applying to study abroad, I chose to do an internship along with the courses I enrolled in. I figured that an international working experience would serve me well when applying for jobs. I provided the application with fields where I might like to work. My top 3 were Finance, Business Development and Marketing. I was really hoping for a finance position because at this point in my life I was expecting to go into that industry.

I was then chosen by Conexie, A start-up software/tech company based in Sydney. I was scheduled to do a phone interview with the CEO/Co-Founder, Sebastian Jacobs, a couple of days later. When I received the call I began speaking with Sebastian about the opportunity. He explained what they were doing and asked if I was interested. I expressed that I was keen to work for a start-up where my day to day activities would likely differ. I can’t remember thinking twice about whether I wanted to do it or not. It was exactly the opposite of what I had done in the past and that is what made it attractive. It was an immediate lock in my mind.

So I sit at Café 80 with the fellow Aussies, more or less by chance, wondering what I can do to stay involved with there business. I decided to ask Sebastian and Matt a very direct question. “What can I do to stay involved?” was exactly what I said. Sebastian began to say that Conexie is capable of working anywhere in the world and the United States market showed great potential. He then explained that if I wanted to be someone that would bring their business to the United States, they would fully support my attempt.

At that point my instincts, which I value very highly in making decisions, were telling me that this was exactly what I am going to do. I’m going to help a start-up grow into an international market. Sorry finance industry, I’ve found another calling.

A major part of my decision to act on what Sebastian and Matt had said to me was the thought of myself 10 years down the road sitting in a finance job that I “enjoyed” and hearing that Conexie has swept the nation, by the hands of someone else. I would be a fool to let that be remotely close to a possibility. Not to mention, the potential long-term reward, both professionally and personally heavily outweighs the inevitable short-term risks.

April 22nd, 2017 I land back in the U.S. with another summer season eagerly awaiting. I had a landscaping job that required 50 hours a week and provided me multiple early warning signs of needing knee and shoulder replacements. Being that landscaping is very mindless work, I was constantly thinking about Conexie and the opportunity that I could take advantage of. I thought and thought for weeks, along with reading a few books, one of which my partner Jon had mentioned in the first post. “Where do I start?” I kept asking myself. Where does an individual start with the opportunity to bring a fully functioning app and software to an untapped market? The thought itself was so overwhelming that it was hindering my ability to think, if that makes any sense whatsoever.

After I was able to get fully readjust to being back in the U.S., I had the bright idea of contacting the U-Imagine Center which is the entrepreneurship resource run by Maureen Cumpstone at Ursinus College (not really a bright idea considering the U-imagine Center was staring me in the face). I was also rightfully inclined to ask Jon Gerhartz and Alex Drum if they wanted to join me in the venture and be my equals. If there is one thing that I did realize pretty quickly, it was that doing this on my own and being successful would be extremely challenging. While in Sydney, Jon, Alex and I had participated in an entrepreneurship competition run by the U-Imagine Center with an App idea that Alex came up with as a result of a panic attack (Interesting story I might add). We ended up taking third in the competition and caught ourselves a decent payday. Judging by the way we worked together on that project, I knew that they would be a perfect fit for this new entrepreneurial opportunity.

So, here we stand. Active legal agreements in play and heaps of tasks to be completed as we are only just beginning with Conexie and the bright future that many believe it to have.

It is not often that one finds opportunity roughly 10,000 miles across the earth.

What a time it is to be alive!

Check out Conexie’s official video here!


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IPFS: Distributing the Web

Juan Benet (Protocol Labs)
2:15pm–2:45pm Wednesday, 04/22/2015
Server side technology
Location: Salon 10
Average rating: ***..
(3.00, 2 ratings)

What if websites could run without servers? What if links still worked offline? What if when you requested files, they were served by computers right next to you? That’s what IPFS is all about. It sounds crazy. It IS crazy. But it’s here today, and it works! The InterPlanetary FileSystem (IPFS) started out as a filesystem based on Git and BitTorrent, but it quickly transformed into something much more important. What fell out was a compelling new way to model the web: with content addresses and identities. A distributed, permanent web. A web where links never die. A web where its feasible to decentralize our data and encrypt it end-to-end. This is not just idealism— it works today. And it performs way better than the http web: we leverage data locality, and even make it easy for webapps to run offline.

We will go over:

  • What IPFS is and what problems it solves
  • Installing IPFS and playing with it
  • How to stream video and other media
  • How to publish websites
  • Discuss tools, datastructures, and offline webapps
Photo of Juan Benet

Juan Benet

Protocol Labs

Juan is the inventor of IPFS and Filecoin. He founded Protocol Labs, Inc., he loves open source, and believes improving the internet is critical work. Juan is obsessed with knowledge, science, and technology. He studied at Stanford, and the Web.


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Weigh-in Wednesday: The post birthday edition

Well, it’s been two weeks since my last weigh in, and since then I’ve not only celebrated my birthday with delicious cakes in Strasbourg, but also had my proper birthday party (which involved more cake, nachos (mmm cheese!) and cocktails. Then there was the Mississippi Mud Pie, which I obviously had to try to make sure the rain hadn’t completely killed it…

Needless to say, I haven’t been doing particularly well on my calroie goals recently. So it’s quite surprising that my weight this morning was pretty much exactly the same as it was two weeks ago. I was actually down almost a kilo on my current weight between the last weigh in and my birthday, but sadly it all came back. And I fear this delicious birthday gift from my uncle is not going to help me get back on track…

Sweet hamper
30th birthday sweetie hamper

Never mind, on with the measurements. Body fat percentage this morning was at 29.1%, which is 0.5% less than two weeks ago at least. Still only about one percent away from the danger zone though…
And as for the waistline… it’s the same as two weeks ago on 77 cm. I actually measured 76 cm the day before my birthday, but there was obviously no way that was going to last…

On the exercise front, I have nothing to report. As in I have done nothing in the way of exercise for the past two weeks. First it was too hot, then it was my birthday… and the past few days I’ve just plain been too tired! Work has had me stupidly busy this week… to the extent that I was convinced yesterday was Thursday… I’d been so busy that my brain simply couldn’t believe I’d fit all that work into a mere two days!

I will try to be better over the next week, but with the sweetie hamper to tempt me I’m not promising anything!

15 thoughts on “Weigh-in Wednesday: The post birthday edition

    1. He didn’t actually put them in – it came from a company in the UK and he lives in Australia, so I presume he just ordered it. But the basket is fabulous! It will be so useful once it’s empty (which may take until my next birthday… there are a LOT of sweets in there!)

      1. So far I’ve been really good and only eaten two little fruit salads 😉 (This may be because I got other sweets for my birthday and have been saving the awesome hamper of awesomeness for last…)

    1. Yep, an entire basket of sweets from my childhood! The white bags you can just about see on the left contain the kind of sweets you get from jars – like flying saucers and white chocolate mice. Best gift EVER!

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