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Memento. 2000. Directed & Written by Christopher Nolan; based on the short story “Memento Mori” by Jonathan Nolan.
Starring Guy Pearce, Carrie-Anne Moss, Joe Pantoliano, Mark Boone Junior, Russ Fega, Jorja Fox, Stephen Tobolowsky, Harriet Sansom Harris, Thomas Lennon, & Callum Keith Rennie. Newmarket Capital Group/Team Todd/I Remember Productions.
Rated 14A. 113 minutes.

Christopher Nolan has moved on to bigger blockbuster-type movies. Once his reiteration of the classic Batman character hit theatres, nothing was ever the same for his career. Much as I’m a fan of his Batman trilogy, even a big Batman fan before him, the Nolan I prefer most is the one who did Following, remade Insomnia, and of course the one responsible for this cinematic gem, Memento.
Right at the turn of the 21st century, Nolan gave us an interesting mystery film that defies the expectations of the genre. It’s a thriller that works backward through the chronological order, instead of forward, and in a way is anticlimactic. However, for all its different techniques the movie never feels too much like a try-hard indie, hoping to break the mould with a script that’s beyond quirky. There’s every bit of the independent film spirit within this piece of work. Although, Nolan never goes for the cheap thrill. This is a cerebral thriller, stained with blood and mystery and the shattered frame of a brain’s memories. Guy Pearce puts in a whopping performance in a tough role that effectively put him up there with the best actors of his generation. Every scene is interesting because it not only looks good, they all force you to think forward, backward, every which way. The structure of the movie lends a hand to the plot, the focus on memories and a backward sequence of trying to retrace one’s steps (literally one’s memories). A powerful revenge story that’s fuelled by heart, though ultimately a story that never resolves itself fully. And that’s part of the point, as we take the journey with the main character Leonard (Pearce) discovering there’s no way to fully resolve his situation. At the bottom of it all, there’s the question of revenge itself, and if it would make a difference to Leonard.
While Leonard has no short term memory because of an attack on him and his wife, precipitating his seeking revenge, this is a way for Nolan to ask us: is revenge worth it, even if you could remember?
Part of Memento‘s interesting charm overall is the way Nolan challenges how we watch a film. In turn, this calls to mind how Leonard himself recalls memory. We come to like he does in the midst of his day, in places where he doesn’t exactly remember (unless they’re marked on one of his cue cards or tattooed on his body). The writing, the scenes and how they’re edited into one another like stitching, this all initiates us into the experience of Leonard and his memory issues.
So while it may feel like a gimmick to some Nolan employs the backward chronological order for a specific purpose, to replicate those ideas of memory while simultaneously playing with the format of film itself, as well as how the audience watches one. The clerk at the motel (played by the excellent Mark Boone Junior) says it best, that feeling like you’re waking up everyday – how Leonard describes his condition – must have everything feel backwards, literally describing the film and its structure: Leonard thinks he wants to do something, but he’s not sure about what he’s just done. The writing is truly genius. If you don’t admire Nolan’s filmmaking, another aspect in which he excels generally, how can you not find his writing compelling? This screenplay speaks volumes. At first there feels like an intricate-style, labyrinthine weaving to the plot. And to a degree there is. Yet the way Nolan presents it makes the difficulty wear off. Soon you find yourself along with Leonard for the ride, full stop. Something I dig is the fact that this backward order of scenes kind of prevents us from trying to think ahead, it takes away that element of jumping past the story and worrying more about “whodunit” than any of the best parts about the plot, the film as a final product, so on.MCDMEME EC031A moment I love is the first real flashback we get from Leonard, concerning his wife. Because it starts out while he’s in the diner, then when he closes his eyes the sound design takes all that noise out – the other patrons, dishes clinking together, food frying, et cetera – and we fall inside his head with him. The cinematography throughout the entire film is spectacular. In this scene, there’s a beautiful, dreamy quality to the memories, the raw, genuine stuff Leonard can remember. This distinctly divides parts of the movie, as we get this nice sort of washed out look to the regular parts of the present, a sparkling beauty to the memories of his wife, a darkness to the night of her death, and then there are the black-and-white flashbacks to other portions of Leonard’s life, including his old job, Sammy (Stephen Tobolowsky), his conversation on the telephone in the motel room. Nolan seamlessly connects these looks to make a whole, a palette that stretches out over just a little under two solid hours. It’s a rich, interesting tapestry that will captivate any curious audience. The directorial choices from Nolan are what make his screenplay work, proving he’s a solid writer as much as he is a director.
The plot is what makes this movie so unique, yes. Pearce is the soul which drives the story. His voice-over narration is spot on. Moreover, he constantly embodies Leonard, keeping us confused along with him until the pieces fall together. The way Pearce plays Leonard makes us feel for him. At times, we might even get a bit frustrated; both for him and with him. In the more frantic moments Pearce truly wrings out the empathetic qualities, pleading with us to feel his pain, and most times it takes very few pleads. He makes Leonard charming, to the point, he’s an odd man due to his condition yet there is a friendly feel to him. This single performance is why I’ve kept an interest in Pearce, no matter the role he takes. A once in a lifetime performance in a strange, innovative bit of mystery cinema.
This is one of the first great movies of the 2000s, right as the new century came about. Memento takes you by the hand, down a bumpy road filled with unreliable characters, an unreliable narrator, and throws you down the corridor of revenge on a trail of broken memories. There aren’t any better films that relay the feeling of memory. Above all, Nolan’s writing and directing – aided by the incredible cinematography of Wally Pfister – takes us through the process of what it’s like to rebuild memory, to have to out of necessity for the revenge of a terrible event. Along the way we spend time with Leonard, who’s most certainly a classic film character that will go down with the greats, and Pearce flesh him out well to the point we’re caught up intricately with his dilemma right to the bitter end. Again, I do love Nolan’s later work – The Prestige is one of my favourites out of his catalogue – yet I can’t help returning to his earliest efforts, such as this treat. Over any plot or character developments, Memento gives us a masterclass in form, allowing the cinematic techniques Nolan brings to the screen to play the lead character even above Pearce. Don’t mistake it: this is not a movie, it’s a defining experience of film.

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Music Videos

VIDEO: Tekno – Enjoy

VIDEO: Tekno – Enjoy

Slim daddy, Tekno launches the official video to his latest groovy single titled “Enjoy“.

The Blaise Beatz produced number “Enjoy” is off Tekno’s his forthcoming project, “Old Romance” album.

Raving video director, TG Omori recreates a colourful visual which was shot at different scenes including a Mall, on the street and others.

In few days, Tekno will avail his long awaited project “Old Romance” album.

Hot!  VIDEO: Teni – JO

Watch & Enjoy Below.

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Easter is over. So now what?

The Easter lilies have all been taken home. The cries of “He is risen indeed!” have been tucked away until next year. The special outfits have been tossed in the washer and the pictures have all been posted on social media. Cadbury Eggs are now 50% off at the grocery store (thanks be to God). Now what? Like most significant events in our lives, there is a big anticipation as we approach, we enjoy the moment, and then there is usually a big let down afterward. Does this weekend feel that way to you?

Here are a few things to remember to help make the most of this post-Easter weekend.

1) Jesus’ death, burial, and resurrection were all singular events in history, but they weren’t meant to be singular events on our calendar. We are called to remember and celebrate Easter every day of the year. What Christ accomplished for us has meaning for every moment of every day, not just once a year. When things get tough, when you are feeling a bit dry spiritually, remind yourself, He is risen!

2) Remember what came after the resurrection. Just a few weeks after Jesus rose from the dead, He commissioned the disciples with these words, “All authority in heaven and on earth has been given to me. Therefore go and make disciples of all nations, baptizing them in the name of the Father and the Son and the Holy Spirit, teaching them to obey everything I have commanded you. And remember, I am with you always, to the end of the age.” (Matthew 28:18-20). Until Jesus returns, we are to be about the business of making disciples. There is no news more important to share with others than the fact that He is risen!

3) Live your life like you believe the Easter message. As one author put it, “if our lives bear no marks of the resurrection, then we deny the resurrection with our lives.” We must live like the tomb is empty. We must live like Jesus really is alive. The world desperately needs to see the power of the resurrection in our changed lives. They need evidence that He is risen! He is risen indeed!

Mike Lukens

Pastor of Worship and Creative Arts
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Photo by Zoran Jelača

Like the Sea but Much Sweeter

When planning a vacation which involves swimming, you usually end up in a picturesque town on the seacoast. As if the sea were the only large body of water in Croatia where you can swim and enjoy yourself and relax. Of course it’s not! Dozens of beautiful lakes with their magic await their chance to show you how much you have missed and how this is the right time to make up for what you have missed.

This lake, unique in many ways, is situated on the Gradina peninsula, along a narrow stretch of land that separates the Bays of Soline and Koprišće. It is surrounded by vertical cliffs up to 24 meters high. Over the centuries, the lake has been known to boil. Because of this unusual natural phenomenon, many legends about human beings and mythological creatures have emerged, among which the most interesting is the one about the ruthless Rogoznica dragon, who lived in the lake and charged a bloody tribute, taking the most beautiful girls and the fattest sheep from the surrounding villagers. Or perhaps the one about the dragon Murin, Poseidon’s son, who actually did protect Rogoznica from marauders, but demanded compensation for his services, until the hero Aristoles appeared and challenged the dragon to fight with spears. Apparently, the lake was the result of Aristoles’ victory, and today it has supernatural powers.

If You Look at Vacations as a Challenge

The Red Lake is actually a karst sinkhole filled with water. The name came from the red cliffs surrounding the lake. The speleologists who investigated it determined that it was formed by the collapse of a cave roof. Those who are not very familiar with speleology but know about myths and legends have their own theories, or rather a legend that says that in the past a palace existed over the lake, Gavan’s palace, which collapsed into the ground, and a lake was created there. According to the latest measurements, the lake is 255 metres deep, and the first man to touch the bottom was the French cave diver Frederic Swierczynski during a four-hour dive. Now all that’s needed is to find someone who’ll toss pebbles into the lake.

Football at the Bottom of a Lake? Sure.

Where there is a Red Lake, there must be a Blue Lake. That really is the case. Once you come to Imotski, don’t pass up the opportunity to visit both lakes because they’re quite phenomenal. While the Red Lake is a true speleological phenomenon, the Blue Lake is more of a social one – during the summer, the lake becomes a favourite promenade and swimming spot for the locals from Imotski and the neighbouring towns. The water is extremely blue in colour, and the level oscillates throughout the year. In the spring it is almost 100 meters deep, while in late autumn it is completely dry, so they play football at the bottom of it. If you like to swim in unusual places and/or if you like to play soccer in unusual places, then we’ll see you in Imotski, by the Blue Lake.

A Lake with a View of Dolphins

In the central part of the Telašćica Nature Park there is the salt lake Mir, characterized by being registered as a lake, although it has salt water, but also because the water in it is several degrees warmer than sea water and therapeutic properties are therefore attributed to it – this in particular refers to the part of the lake where there is medicinal mud. The water in the lake is shallow and saltier than average and is not completely separated from the sea, since seawater fills the lake during high tide through underground cracks. Not far from the lake there are 160 meters high cliffs from which you can see dolphins. So, let go of the land, stick to the sea and take a break at a saltwater lake!

Seven Lake Wonders!

This is a group of lakes in Baćina near the town of Ploče, on the right side of the Neretva delta. It consists of six connected and one separate lake. The lake with the largest surface area is Voćuša, while Trniševo at a depth of 34 meters is the deepest. They are fresh water lakes, and the water in them is on the average three degrees warmer than the sea.

They are a frequent destination for tourists and excursionists, especially for sport fishermen. The lakes have three small islets and two tunnels. The first one connects the lakes with the sea to take the excess winter water to the sea and prevent floods. Near the lake there are remains of ancient walls.

Multipurpose Lake

The artificial reservoir lake was created in 1952 by building a dam on the Ličanka River near Fužine in Gorski Kotar to meet the needs of the Vinodol hydropower plant. Thirty kilometres away from the sea, the Bajer Lake has become a real hit among tourists because you can swim there, rent a boat, go fishing, walk along the developed promenade or visit the natural sites which you can find to your heart’s desire around the lake. One of the said beauties is the Vrelo Cave, known for being the only cave in Europe which has no stairs, so it is also easily accessible to people with special needs. Because of the frequent wind currents, Bajer is becoming increasingly of more interest to surfers.

An Artificial Lake for a Natural Holiday

The Lokvarsko Lake was formed by stopping the flow of the Lokvarka River, in order to cover the green valley with the town Srednji Jarak, three sawmills and several kilometres of the popular Gorski Kotar road “Lujzijana” with a turquoise artificial 40-meter deep lake. However, although it is artificial, the Lokvarsko Lake is perfectly integrated into the natural environment of the beautiful coniferous forests of Gorski Kotar. Nowadays, it is an exceptional tourist attraction and a favourite spot for divers, hikers, cyclists, and especially fishermen, because it abounds in various types of fish. The largest trout in the world, at a staggering 25.40 kilograms, was caught in the Lokvarsko Lake.

Welcome to the Zagreb Sea!

Before it became what it is now, Jarun was just one of the small channels of the Sava River. The construction of the Sava embankments marked the beginning of the transformation of Jarun from a swamp into one of Zagreb’s most visited green oases. In the late eighties, before the beginning of the University Games, Zagreb started to develop its sea and quickly transformed it into a beautiful sports and recreation centre with six islands, five neat and clean beaches and one rowing lane.

Apart from being the favourite bathing spot for a large number of Zagreb locals for decades, numerous musical and sporting events, festivals, concerts, as well as small private barbecues, picnics and celebrations are held on Jarun. If you come to Zagreb, you have to see its sea!

The Podravina Sea Overflowing with Flora and Fauna

This very popular lake in Podravina is situated about fifteen kilometres away from Koprivnica. Formed by excavating the Drava gravel, over time, the Šoderica Lake was turned into a turquoise green recreational lake, on whose pebble beaches during the summer months it is difficult to find a place to put your towel. Apart from being a swimming and vacation paradise, Šoderica is also a true fishing paradise.

The constant flock of swans that has chosen Šoderica for its home is a special attraction for all nature and animal lovers. Not only is the summer nice here. Whenever you come by, you will see natural beauty that will let your eyes and soul rest and charge your SD card.

Freshen up your holiday by going to the lakes, and you will see that it may be just as good in them, beside them or on them, as at the sea, if not even better. And if you miss the salt, you can always buy it at the nearest store.


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Hex clinic with Helgtre in Belgium

A few months ago I was contacted by Stefan Surowiec, one of my team mates from the mostly Belgian/French Moonwalkers team (we won bronze at the European Masters Championships last year) – learning Hex with the Moonwalkers had left a good impression on him and he wanted me to come over to Belgium to introduce and train Hex with his local team, Helgtre!

… read more & photos …

Beer in the pub after Monday night training

The team is a group of friends who have been playing together for a number of years. The vibe in the team is great; they go for a beer after each training and there’s a lot of positive social energy – something I believe is very important for a successful team, but an element which seems to have been on the decline in recent years, in the UK scene at least.

Not only are they a great bunch, they’ve been getting better and better at ultimate over the years – last year they were the 5th highest finishing club at Belgian Nationals, and are keen this year to break into the top 4!

Belgian Nationals is run over 3 weekends – the first weekend determines the top 8, the second weekend determines the top 4, and the final weekend is invite-only, with only the top-4 teams attending to battle it out for the podium positions.

Street art in Hasselt

Helgtre have never made it into the top 4, so this year they can feel things are coming together and that finals weekend is closer than ever!

I arrived on Friday and joined in one of their practices, initially as a player, before setting up a simple drill later in the training, getting a feel for the level of the team and their understanding of the game from a strategic and technical point of view.

Saturday started with a 2 hour interactive seminar / classroom session on Flexagon Defence, followed by a three hour outdoor training with drills to reinforce the principles, and game-time to practice them.

On Saturday evening we headed out to a Greek restaurant for food, before going to a brewery/pub for some drinks, where I sampled many of the famous & tasty Belgian beers.

Greek restaurant on Saturday night

Sunday had a similar structure to Saturday, this time focusing on Hex Offence. It makes a lot of sense to me now to train Flex defence before Hex offence – the current state of the game means there is no immediate need to make a fundamental change to how we approach offence in high level games, however from the perspective of Flex, current offence is flawed and can be punished for those flaws. It’s only after these flaws and the vulnerabilities they expose are realised, the need for truly balanced offence becomes clear, and so offence on Sunday following defence on Saturday works really well to offer a complete view of the current and potential future state of strategy in ultimate.

Helgtre were a pleasure to coach, I thank them sincerely for their hospitality over the entire weekend, and they all seemed keen and enthusiastic about the new strategies and new approach to the game I showed them. I look forward to hearing how they do at Nationals and beyond!

Visited the home of Soorske beer – the producer is a friend of the team – and was given a quick tour

Soorske in its finished form

Brussels Airport has grand pianos dotted around, which were great to pass the time. In the UK we have pianos in train stations, but this is the next level!


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  • to download FRA documents, please click here

  • ER - Experience required
  • NS - Navigational Skills Required
  • LK - Local Knowledge an advantage
  • PM - Course Partially Marked

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Wed 2nd Sep 2015 – Ilkley Incline (R)

Race details

  • Date & time: Wed 2nd Sep 2015 at 19:00
  • Country: England
  • Region: York. Dales
  • Category: CS
  • GPS:
  • Website: www.ilkleyharriers.org.uk
  • Distance: 1.6km / 1m
  • Climb: 171m / 561ft
  • Venue: Jn of Wells Rd & Keighley Gate Rd.
  • Grid ref: SE114469
  • Skills & experience: PM
  • Minimum age: 15

Entry information

  • Entry on day? Entry on day allowed
  • Entry on day fee: £2.00
  • Pre-entry Pre-entry not allowed

Contact for Race Information

  • Helen Waddington
  • Brookwood, Hag Farm Road, Burley in Wharfedale, LS29 7AB
  • 07930 557499
  • [email protected]

  • Teams allowed: Teams allowed

  • Male: J. Henegan – 00:07:01 – 2004
  • Female: E Clayton – 00:07:49 – 2014

  • Junior races: Juniors not allowed

Permit / Insurance

This race has a Permit and associated UK Athletics insurance from the FRA

Other information

Uphill ONLY race. No toilets.

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You are currently browsing the daily archive for July 13, 2011.

Wild Turkey (Meleagris gallopavo)

My posts about animals are based on personal favorites but I have also tried to choose categories of animals in a manner which reveals something larger about zoology and taxonomy.  You have probably noticed that my featured creatures are not arbitrary but are arranged taxonomically according to Linnaean hierarchy in the manner which follows:

I have not written about a family yet because I was leaving myself some room for the future (feel free to make suggestions).  Additionally, I have only written glancingly of kingdoms or domains because those overarching categories are far too large and baffling for me to deal with meaningfully (although I would probably choose the domain “bacteria” if I had limitless time, resources and a great deal more knowledge and intelligence).  The missing bottom category of species is always applicable to whatever the featured species of the day is (or, in a pinch, to Homo sapiens, the dark meddlesome, magnificent species behind history, art, politics and other non-animal, non-plant topics over there in the category cloud).

Not only have I have chased the representative members of my chosen taxonomic categories through art, mythology, and anecdote, I have also tried to write as cogently as I am able about their behavior, biology, and morphology (biologists and morphologists are no doubt laughing into their hands right now, but, hey, you guys are not always the most compelling or comprehensible writers, so give me a break). Also, I understand that traditional hierarchy is coming to be re-assessed in light of new genetic evidence and the innovative ideas of cladistics: maybe my categories were already hidebound to start.

Western Coral Snake (Micruroides euryxanthus) photo by David M. Dennis

I mention all of this because I am beginning to feel pinched by some of my categories.  I could write about a different obscure catfish, or dig up a new catfish recipe but is that really what people want? I still have a few more turkey stories to write and no doubt more information will come to me (probably around Thanksgiving), but I am running out of things to say about my favorite bird.  Should I disloyally choose a new genus to pursue.  Do you want to hear more about tiny obscure catfish? I could drop it all and move to entirely new topics, but I don’t feel right about that yet. Maybe some reorganization is needed when I launch the redesigned version of Ferrebeekeeper in the near future.

Any insight or feedback would be appreciated.  I’m sorry for the informal first person tone of this post but I am traveling today and don’t have time to research an appropriate column.  Also catfish and turkey fans should not give up yet, I still have a handful of ideas left about those magnificent creatures (not to mention a stirring Siluriforme overview).

Lima Shovelnose Catfish (Sorubim lima)

Ye Olde Ferrebeekeeper Archives

July 2011


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House dreams

My dad passed about 4 yrs ago. You need to accept responsibilities and be more self-reliant. I need some understanding!. The battered little blue and white lion was dug up in our back garden in Shavington by my dad when I was a kid.

Is the movement fun or terrifying, frustrating or easy. A house in our dreams is often a symbol of our Self. Although the other people may symbolize themselves or our feelings about someone else, other people are often symbolic of an aspect of ourself we associate with this person and have not readily integrated into our own personal identity.

On the back side of the trailer the hill goes downward and in front it is up hill. Perhaps this reflects that you, too, need some care and attention.

Stephen Wright

The child were playing in the backyard. Keep in mind I am in the process of trying to get a home just started and before I went to sheet I was looking at some renovation pictures before and after.

We enjoyed the place a little, had intimacy in the bathroom. It was a magical moment for me. The floor in your dream may also symbolize the division between the subconscious and conscious.

Dreams About Houses: Dream Meanings Explained

The mountain supplied all the necessary materials for the house. Emily Vanderbilt Hammond, alumni, and friends.

To see sparse, weed-infested garden, suggests that you have neglected your spiritual needs. If you live with others in your waking life, but dream that you are living alone, suggests that you need to take new steps toward independence. The basement is the foundation that everything else is built upon, and it's where the deepest and darkest thoughts, emotions, and memories might hide.

Hope July 14, at 9: Like hermit crab, the world outside changes, but your existence inside your mobile home can remain the same. I was on holiday in Mexico and stayed for 2 weeks in Oaxaca. To dream of a haunted house signifies unfinished emotional business, related to your childhood family, dead relatives, or repressed memories and feelings.

But near the end of the dream she told me that she loved me and spoke of us getting married.

The Meaning and Symbolism of Houses in Dreams

An old, dilapidated, or outdated structure in a dream might represent an old and untouched idea, belief, or thought pattern that has been standing in your mind for years an years without any conscious attention.

What does any of this mean. Michael is an amazingly supportive, patient and understanding partner. It is a symbol of moving on. Alternatively, the old house may symbolize your need to update you mode of thinking. In the centre of the picture is a Victorian faring which I bought many years ago at an antique fair in Nantwich in Cheshire.

To dream that your house is broken into suggests that you are feeling violated. You may experience some unfinished feelings that were now being triggered by a waking situation. Often crowded attics beg us to take a look at what we have ignored and either make better use of it or find a way to let it go.

But in the dream he said he could not see the house i was telling him about. Karli March 5, at Alternatively, dreaming of a rubber floor signifies your forgiving or yielding support system. While our house dreams could simply reflect a desire to purchase a house, they are often a reflection of internal—and often unconscious—experiences we may not be aware of during waking hours.

I was going through her handbag and found a little black purse with minature light bulbs and screwed up bits of silver paper. I go through his house to get into my garden and he knows this route I need to take so he lets me.

Sometimes, you might dream of a house that can move by itself. The Meaning of Houses In Dreams Houses in dreams are the symbolic representation of the dreamer’s sense of self. No matter what other imagery or circumstances may present themselves in a dream, a house should be considered an unconscious expression of your sense of personal identity.

House of Dreams. likes · 7 talking about this. House of Dreams is a non-profit humanitarian and development organization that serves to improve the 5/5(3).

Our dreams about houses—and the rooms in them—can have many significant meanings. The structure of the house itself tends to symbolize our Self while the rooms of that house tend to symbolize specific aspects of selfhood.

Dream Moods is the only free online source you need to discover the meanings to your dreams. Check out our ever expanding dream dictionary, fascinating discussion forums, and other interesting topics related to dreaming.

House Dreams Dreaming of a house indicates the many facets of yourself and the experiences you have had during your waking life. Dreaming about the rooms in a house can relate to different characteristics of an individual’s personality. House of Dreams provides shelter and care for abandoned and homeless cats, with the goal of finding them permanent homes or providing them a lifetime home in our facility.

We are a free-roam, no-kill, all-volunteer cat shelter located in Portland, Oregon.

Historic Real Estate & Old House Enthusiasts Community House dreams
Rated 5/5 based on 60 review
House Hidden Dreams


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Super Charge Your Business at JumpStart 2014

Business Booster!

First Financial Security is in full JumpStart 2014 mode, with only 3 days before its big California launch! This JumpStart will bring out the best of the best:

  • Refined, master class-style instruction
  • Sensational speakers to motivate and inspire
  • Company roll-outs that will revolutionize your business

First Financial Security,  JumpStart 2014,  enhance your business

This super charged event will continue to equip you and help motivate you, offer inspirational tips on how grow your business and keep you informed of new developments coming out this year.

Designed to ensure you reach your goals as an independent entrepreneur, First Financial Security JumpStart 2014 places your career growth as top priority. JumpStart (#JS14will take you higher—it will move a career from the sidelines of struggle to center stage success!

Attending JumpStart- Part IV

Attending JumpStart Is So Important!

Attending JumpStart and you are probably ecstatic about it!  But just in case you need some extra excitement here’s a few tidbits you will be part of:
By attending JumpStart you will
Watch the fourth installment of First Financial Security’s “Importance of Attending Jumpstart” series.

Attending JumpStart,  First Financial Security, business booster

Feel free to view Part IPart II , and Part III as well.


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The information on this site has not been updated since 2009 and is no longer current, and some links are broken.  It isn't mobile-friendly, but our new site is.

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Riccardo Marini, Founder, Marini Urbanismo

Let's design and build cities that encourage walking and cycling.

"Who or what are cities for? This is an important question. I have watched as cities have debated the notion of how to become more people-centric, with many jumping on the bandwagon pedalling all sorts of wacky ideas. While a handful of cities have taken action transforming themselves into places that put people before everything else – Copenhagen for example – I wonder why London and the rest of the UK is lagging behind.

This conversation is not about cycling per-se, to me it’s clear a city that is good to cycle in is doing something right for its people – cycling can be used as a barometer of how effective a city is at being people-centric. I love London as a truly global city which has been improving, albeit slowly. Over the past 10 years or so, I have witnessed an explosion of cycling in the city but sadly there has not been a commensurate improvement in terms of culture or a properly inviting, secure and connected cycling infrastructure.

As cycling gains political traction and the chorus of voices advocating active movement grows, we have seen well-intentioned but sporadic, fragmented and expensive investments in bike infrastructure. There are cycling lanes, but they do not connect, and they speak different languages. What is needed is simple strategic approach across all the boroughs, one that puts people and cyclists first. You can’t just put the ingredients for cycling in and hope for a perfect city, it takes more thought, understanding and attention to detail to make it really work.

It's not just cyclists who struggle in this environment, ultimately my main concern is people and what makes them feel welcome in any one place. The Buggy Test is a simple way to measure this: as you walk around the city centre, make a note of every instance of narrow pavements, poor surfacing, high curbs, any other obstructions and where they disappear totally. These obstacles are sending a clear message to pedestrians that you shouldn’t be walking or cycling, you should be in a car or on a bus.

Crossrail has been a significant investment for the city and when it opens there will be benefits in terms of the positive environmental impacts. But there will be a considerable increase on the pedestrian loading on the pavements in central London, which will create problematic situations as the rate of conflict between vehicles and pedestrians is bound to go up! There needs to be a rethinking of who the city is for, with priority given to pedestrians.

I don’t understand why now, with the irrefutable proof of the links between pollution, lack of activity, ill health and mortality, the positive way towards change is so controversial. We need to create almost vehicle-less city centres by choice. Doubling the parking prices, putting up congestion charges and in the meantime widening the pavements and creating safe, connected cycling infrastructure.

Success will be when – whether you own a Rolls Royce or a Reliant Robin – if you're driving anything with an internal combustion engine you will feel that it is easier to leave it at home as the invitations to walk, cycle and be active are so obvious, powerful and truly irresistible."

Riccardo Marini is an urbanist, architect and chartered town planner, after working with Jan Gehl he set up Marini Urbanismo. He is considered to have a deep knowledge of how to deliver people-centric solutions. He believes people, their culture and their art should be central to the planning process.

Find out more about our Campaign for Movement here.


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The game that selects for refinement above sweeping changes, keeping up the series' top bar for caliber along with some wise additions.

Fielding and shield received plenty of really like in past season's game, so sword art online sex video includes a couple more wrinkles without rocking the boat too much. The distinction between Gold Glove caliber outfielders and mere mortals is now slightly more conspicuous, especially if the CPU is in control. The most useful outfielders from the sport are a whole lot additional dialed inside this calendar year, responding to this ball off the violin using authentic accuracy plus a dependable FirstStep. About the reverse side, the square peg you've sinking into the round hole in left field can fight as it regards studying the flight from the ball, so committing a fair couple errors over the duration of a year as chunks careen off the border of his glove instead of nesting inside its palm.

There's additionally a new Extreme Catch Indicator that defines people bloop singles along with hard-sinking line forces which can be right over the edge of being catchable. For those who own a player like Minnesota Twins centre fielder Byron Buxton patrolling the outfield, you have a shot and try a speculative diving catch on one of these tough-to-reach balls, then realizing full well he is skilled enough to pull off a spectacular grab. Using a mean defender hustling in direction of the chunk, but you might prefer to play it safe and put in position to assemble the ball immediately after it rebounds. Surrendering one is really a far more positive results than laying out for a grab and also completely overlooking the ball, resulting in a triple because of its fortunate hitter.

Snagging that might also supply you with the opportunity touse game reviews's fresh Throw Home Indicator. Nailing the small needle at the middle of a outfielder's casting meter will see these launching the ball from housing together with too much power and accuracy since they may possibly muster, and providing you a greater chance of recording one of the bang-bang plays home plate. It truly is a good, albeit subtle, addition to the game, which is the reason of each one of these developments into the match's fielding. It really is likely you wont even observe that the Extreme Catch Indicator until 20 games in, however they all add greater dynamism into the outfield, and the most useful defenders might even affect your strategy once stepping into the batter's box, also.

If it regards hitting, the Plate protection Indicator (or even PCI) has been re designed in lilith borderlands hentai to offer you a clearer concept of the sort of hitter you have at the plate and how you should approach their at bat. When employing the default PCI, the outside reticle displays your batter's plate vision, whereas the interior reticle represents their capacity to produce contact. Before, the PCI contained a average between these two features, hence there had been some vexing guesswork demanded when seeking to up the ball and make solid contact. Splitting these features up with seperate reticles illustrates just what your mommy's vision and contact are, offering an immediate distinction between good and bad hitters (with every single reticle different in dimensions based on the gamer's ability ), also providing you with with improved responses to lining up the PCI in the optimal position.

This ties in to the newest Perfect/Perfect technique which offers you the finest possible chance of owning a fruitful at bat. The first part with the brand new mechanic will be shown by a few dots at the centre of every single participant's PCI. In addition to bottom the dots represent fly balls, line drives, and ground chunks. When a player's high scatter is larger compared to other two, and then you definitely understand he excels in launch successful fly chunks into the stratosphere. A more impressive bottom dot, however, suggests you're going to want to decide to try and give attention to sending hard-hit floor chunks through gaps inside the in field. In the event you figure out how to line up the PCI so that the ball joins with one of these arrows along with your swing timing is absolutely best, you're going to be rewarded using Perfect/Perfect contact as well as the directional euphoria which arrives from your fracture of the bat.

This new distinction results in substantial depart velocities along with a substantial probability the ball will probably collapse for a bang when it will not only find yourself in these racks. The use of this PCI and the addition of the Perfect/Perfect strategy adds more levels to game reviews's batting order that rewards you for guessing a pitch position, using pristine timing, also participating in to every participant's strengths. With all these tools at your disposal, you're given a lot more control on the results of each and every . That doesn't indicate that you're suddenly likely to start hitting .500, and you can only perform a Perfect/Perfect hit or twice per game, but also the feedback you're given after each and every swing of the bat feels more pertinent, and also there's a concrete consistency to how hitting works, with good contact resulting in hard-hit balls instead of feeble line-outs, as was often the case at game reviews.

As for new styles, sex slave games enhances the Franchise experience with a handful additions. Now you finally have the capacity to add custom teams to your Franchise by substituting a current team with a few your own. You can change the title, style your own uniforms, and choose a house venue--if it's the historical Polo Grounds or the Texas Rangers' brand spanking new Globe existence industry. Actually that you can't ever pick the roster usually means that this really isn't really the enlargement workforce manner town has ever wanted for years today. It's really a little step up the appropriate way, though, even when implementation is somewhat underwhelming. In the event you decide on an dream draft or induce a few transactions, you may significantly replicate the experience of having an expansion franchise into the match, but it's much less involved as it can possibly be.

The most critical new addition is that the inclusion of full Minor League rosters. In the past, town will make its custom rosters from scratch, so substituting every Joe Random together with the very best prospects and Double-A specialists from every single group's MiLB affiliate. These players are comprised directly out of the box, even together with real titles, true statistics, and even deal with scans in some cases. Rather than waiting months to the community to think of these goods, you may now start Franchise mode and have an entire organisation's roster at your disposal from the getgo, for example players like Gavin Lux, Wander Franco, along with Luis Robert.

Else where, Online Leagues make their yield horse porno game. All these are customisable one-off seasons that provide you a lot of options as soon as it has to do with setting a league up together with friends. You may even utilize your Diamond Dynasty rosters, which is just a nice add-on. The problem is that there are none of the aforementioned Minor League clubs to phone players up from, nor is there a draft or even any kind of completely free agency. It's an individual and completed season with no CPU groups --a far cry from the robust on the web Franchise mode that was once a part of the entire year and it's still a feature in other sport matches. Once again, on the web Leagues can be really a small step up the suitable direction, which is amazing having the ability to perform with a set of friends, however one might expect on the web Franchise yields in some sort from the upcoming iteration of The Show.

Diamond Dynasty additionally obtained plenty of really like last year, therefore boruto porn doesn't mess with the system an excessive amount. There's a fresh Showdown mode that's sort of like a mixture involving Fight and Minutes Royale. First, you begin by creating a skeleton crew of players and then play through a set of scenarios that are often predicated on significant moments in baseball heritage. You won't know just what struggles await, but every play-through ends in a show-down against a pitcher that is strong, at which you are tasked with coming straight back by a variable shortage before recording 1-5 workouts. Each battle you total together the way gives you the possibility to draft much more players to improve your crew and unlock exclusive advantages, and insert moves into your last score as a way to cut back the deficit you want to struggle back from. It's a fun mode that gives you the following way to play Diamond Dynasty, sample some of the best players, and also unlock benefits, particularly in the event that you don't touch the multi player game.

March to October and also Road into the Show have received some similarly slight developments. The latter offers the same truncated season adventure, just now you may influence your group's roster moves together with transactions and Minor League call-ups. RTTS, meanwhile, lets player connections to grow in the industry along with throughout locker room conversations. Assembling a connection with your teammates will probably unlock priceless perks throughout the entire year, and so they feel natural. Play as a short stop, by way of instance, and also you're likely to advance your association with all the first baseman by spraying on accurate throws his way. The accession of minor-league gamers pays dividends at RTTS, too.

pokemon xxx game doesn't make any significant strides forward, choosing rather to focus on refining locations that required progress from this past calendar year. This ends in a casino game that feels more balanced with respect to variety across an variety of game modes, whereas the activity on the bead has been tightened up with rewarding consequences and added dynamism that preserves the string' lofty requirements. Oahu is the perfect base to assemble as the PlayStation 5 looms in the horizon, and also the base ball suspended for the foreseeable future, game reviews goes some way to filling a vacant space at our pursuit to get escapism.


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Hey you, Fiera! Join the FIERA newsletter. Be the very first to know about our news and latest collections.

Imagination Healers #StaySafe

Onirical Fiera Capsule Collection

Behind the Onirical Fiera Capsule

Onirical Fiera is a glimpse inside a Fiera’s mind. A representation of what a Fiera can imagine. A world where there are no limits, not of time nor space, and where any creature you can imagine lives. What we want to represent in this flash collection is that people’s imagination and hope are endless.

We’ve created this new mini collection using our favourite knit technique – jacquard weave – and with the fantastical illustrations of our favourite artist – Sophia Pega. Together with Sophia, we wanted to imagine an endless menagerie of creatures and we had such fun doing it! We wanted the colour palette to be fun and dreamlike, at once lively and calming because the images and symbols are already so powerful.

The animation and music created by Boris Findell is also a tool for us to better transmit our message. It is a collection for little Fieras but for us adults it also transports us to the video games of our youth. We loved the concept and the idea of connecting a kids clothing collection to the memories and experiences of our older Fieras.

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Imagination Healers #StaySafe

Siamese Love: Love your other you

Love your other you. Respect it and try to give it a chance. We all have another side to ourselves that maybe we don’t like as much. But it’s there, it exists, and we have to understand it and respect it. Because we’re not perfect. That’s the magic of all of this. Those little things that make us different and special – although we usually try and hide them out of fear – are what make us unique. Being a Fiera isn’t easy. It means loving your most treasured side and your hidden side, and being proud of them both. Because together they make up the Fiera you are. And that’s what makes you one of a kind.

Siamese Love is a mini collection made up of two micro capsules.

Our first micro capsule is a kids knitwear collection made up of two sweaters and one pair of pants and our second capsule is for adults, featuring the same prints from the kids capsule on T-shirts. The capsule will also have a baby bodysuit for 6 to 9 month olds so the whole family can wear the look. Saying that our main focus is alway on our littlest Fieras, which is why our knitwear collection is focused on them.

The Siamese Love capsule collection is born out of the message of loving your other you, embracing it and respecting it.

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TRegs_microbiome.png (322.7 kB)

Association of microbiome organisms to Regulatory T Cell function in cancer and inflammation.

Download (322.7 kB)
posted on 29.11.2016, 08:18 by Eftychia Lekka, Christos Andronis
Regulatory T cells (Tregs) serve as negative regulators of T cell activation and play a crucial role in maintaining peripheral tolerance and regulating autoimmunity. In cancer, Tregs are implicated in the control of inflammation but mainly contribute to tumor escape. This creates a great challenge for immunotherapeutic strategies which aim to enhance anti-tumor immune responses by suppressing Tregs without compromising their ability to maintain peripheral immune homeostasis. Restoration of immune homeostasis is crucial for the management of chronic inflammatory disorders and inflammation-related cancers (e.g. colorectal), whereby Tregs seem to act by down-regulating inflammation. Gut microbiome organisms have recently shown prominence as key modulators of Treg function, conferring either a pro- or an anti-carcinogenic potential, thus influencing the fate of tumor immunotherapy approaches.

Understanding the diverse role of Tregs and mapping relations with other cell types or microbiome organisms in various cancers, as well as inflammatory and autoimmune diseases is of paramount importance as there is need for novel combinatorial immunomodulatory strategies against cancer.

We used Vizit, a free visual bibliographic search and science communication tool to identify related genes, cell types and microbiome organisms that could have an impact on the role of Tregs in colorectal cancer and inflammation.

The graph is fully interactive. It can be reached at:

and can be modified and shared, forming the basis of an open platform for science communication in the field of cancer immunotherapy.


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film news

Fact Not Fiction Films’ Missing a Note set for US theatrical release

© Fact Not Fiction Films

Fact Not Fiction Films has confirmed that their short film “Missing a Note” will have a US theatrical release from September 13th 2019 at Landmark’s Nuart Theatre in Los Angeles. This will coincide with a limited theatrical release in the UK with Everyman Cinemas.

“Missing a Note,” certified U by Britain’s BBFC, follows schoolgirl and aspiring singer, Molly, as she performs before retired opera legend, John O’Connell, in hope he will write her a good scholarship report. But John’s now diminishing memory means Molly is in for a few puzzling surprises.

The US theatrical release for the short will enable the producers to submit it as a contender at the 2020 Academy Awards.

Director, Beth Moran said: “As a first time director, it’s great to see the film’s progress and to know it will screen in the US is very exciting. It was a huge team effort so I’m very grateful to everyone who supported the film, the cast and to all the crew who worked on it.”

Producer, Tristan Loraine commented: “Everyone at Fact Not Fiction Films is very grateful to Everyman Cinemas in the UK and Landmark’s Nuart Theatre in Los Angeles for giving this important short film the exposure it deserves. Beth has done a truly remarkable job.”

Fact Not Fiction Films has appointed the multi award-winning publicist Catherine Lyn Scott of London Flair PR to be the publicist for the film.

Audiences can discover more about the award-winning film by visiting its official website.

film industry network members


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Found Memories

Directed by Julia Murat
Film Movement
98 Minutes
Brazil, Argentina, France
Latin American, Drama
Not Rated
play trailer
$14.95 Members
$24.95 Non-Members
Watch Online
$3.99 3-Day Rental
Watch with Streaming Subscription
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after 30-Day FREE TRIAL

Every morning, Madalena makes bread for Antonio's old coffee shop, crosses the railroad tracks where no trains have passed for years, cleans up the gate of the cemetery, and listens to the priest's sermon before sharing lunch with the other old villagers. Life here in Jotuomba proceeds as it has for decades, seemingly unchanged by time. Until one day, when a young photographer named Rita arrives, intent on capturing the magic of this little village. Madalena and the others treat her with suspicion at first, but soon a deep relationship is forged between the two women. But the village priest remains wary of Rita, especially when she begins to wonder how it is possible that the cemetery has remained closed for so long. In this forgotten corner of the world, Rita's arrival will have a profound effect on Madalena's life, and the lives of all the villagers.

DVD Features

Bonus short: Land of the Heroes, directed by Sahim Omar Kalifa

Sound: Stereo 2.0 and 5.1 Surround Sound

Discs: 1

  • Highest Rating
    "A confident and impressive first fiction feature! Offers a sweetly seductive form of intoxication."
    Neil Young, The Hollywood Reporter
  • Highest Rating
    "Striking visuals! Lensing has an iconic power."
    Jay Weissberg, Variety
  • Highest Rating
    "In her first feature-length film, director Julia Murat has crafted an elegant still life, with all the poignancy and observation implied."
    Andrew Lapin, NPR

Awards & Recognition

You May Also Like...


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The Walls Game

Home Forums General The Walls Game

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  • #2496

    I found a great game that I’d love to put into the custom world… Any way that I can set that up sometime? If a mod will oversee the placement of it in the custom world, I can use WE to put it in and out. It’s really great. To see it in action, go here:

    In case your wondering, I got the lag-reduced version without a working timer. It does give you 15 minutes, but doesn’t do the countdown.

    We played around with that on a couple of different servers and CoderJ had a customized version.

    Sweet! Do we have it on the server?

    Coder J

    I had a customized version (it’s probably still kicking around my dev server somewhere), used CommandHelper, WorldGuard, WorldEdit, and a rollback system to pretty much automate that game.

    The second version ( ) doesn’t seem to have the same lag problem (the walls coming down is done in a way that minimizes lag); that said, I don’t see it coming to FSMC… once you’ve played it a few times it devolves into remembering where everything up and choosing to turtle vs. go full out offensive (and it can really suck when everyone turtles… heck, it sucks even when one person turtles as they can hide for a very long time…)

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Portfolio update July 2020

Portfolio update P2P investments Bulkestate Reinvest24 Viventor FastInvest Swaper Robo.cash Mintos Bondora Crowdestor Crowdestate Grupeer PeerBerry Wisefund reviews

Dear fellow investors, guys and gals, friends and family.

One of the best parts of being financially free is that you have the freedom to spend your time on the things you value the most.

Last month I was presented an opportunity that I couldn’t let pass. A friend of mine asked if I wanted to have a leading role and be partner in his start-up, a vegan restaurant concept, which we plan to spread all over the world.

I have always wanted to be part of an energetic start-up team with big visions and no limits for upside potential so it was an easy YES for me.

If you’re in Denmark, come visit us at Grønnegade 7, 8700 Horsens!

Accepting this challenge also means we needed to move back to Denmark, because this is where the company is based. We loved Portugal and plan to move back someday.

Even though I’ll be busy with the new job, I still plan to update the blog every month.

Here’s the numbers for July 2020:

Monthly Income Statement: July 2020

Crowdlending Income XIRR Invested Value
Bondora* -492.80€ 0.39% 9 902€ 10 295€
Bulkestate* 0€ 7.97% 10 000€ 10 989€
Crowdestate* 2.16€ 5.51% 5 305€ 6 381€
Crowdestor* 562.05€ 11.93% 82 912€ 93 072€
FastInvest* 2.08€ 3.35% 864€ 1 130€
Grupeer 0.00€ 11.29% 20 474€ 24 047€
Mintos* 234.08€ 17.82% 20 000€ 26 620€
PeerBerry* 83.68€ 14.83% 6 000€ 6 760€
ReInvest24* 2.64€ 2.90% 1 000€ 1 034€
Robocash* 35.44€ 12.31% 10 000€ 12 864€
Swaper* 258.29€ 14.25% 10 000€ 14 222€
Viventor* 23.15€ 14.44% 5 000€ 5 722€
Wisefund 0€ 14.94% 17 853€ 20 626€
Scams XIRR Invested Value
Envestio -100% 20 000€ 0€
Kuetzal -100% 24 700€ 0€
Subtotal 710.71€ -2.73% 244 012€ 233 767€
Real Estate Income Invested Value
Property #1 380€ 40.73% 18 080€ 42 459€
Property #2 1 167€ 2.38% 61 200€ 62 799€
1 547€ 79 280€ 105 258€
Total 2 257.71€ 2.40% 323 292€ 339 026€

Note: I marked Grupeer income as orange for now because it’s future is highly questionable. Read more in the Grupeer section below.

Portfolio performance: Historical view

Income from Crowdlending & Real Estate combined was 2 257.71€
(-931.18€ less than last month).

That means I’m 75.26% Financially Free (-31.04 percentage points down from last month).

Stocks / trading

I added 2 new stocks to my portfolio in July.

  • The Hershey Company (HSY)
  • Nikola Corp (NKLA)

Hershey and Nikola price levels hit previous lows which makes them interesting for a swing trade. Nikola is extremely speculative where Hershey is a much more conservative trade.

I bought WT Physical Silver (PHAG) on July 21st @ 17.20€ and sold it today @ 21.95€.

I also bought WisdomTree Platinum 2x Daily Leveraged (LPLA:MIL:EUR) today @ 2.65€. Similar to Silver it broke out of it’s previous range yesterday.

This is my current equity portfolio:

Company nameTickerPurchase priceCurrent price
Alibaba GroupBABA221.75$236.19$
Aurora Cannabis Inc.ACB4.69$9.99$
Norwegian Air ShuttleNAS.OL51.13 NOK79.80 NOK
Palantir TechnologiesPLTR18.56$25.20$
Spirit AirlinesSAVE9.79$24.45$
Unity SoftwareU114.50$146.20$

I buy my stocks and trade on DeGiro, which I consider the best and cheapest no-bullshit broker in Europe. If you use this link to sign up we will both receive a 20€ in transaction reimbursement (fee deduction). I don’t receive any commission besides the fee deduction.

I stopped reinvesting in Bondora* a long time ago and I’ve started the slow withdrawal process.

152.69€ was recovered in July but I still have 24 769€ in defaulted loans.

I invested in loans through Bondora’s “Portfolio Manager”. I advise you not to make the same mistake.

If you want to use Bondora’s Go&Grow as a savings account and earn 6.75% interest rate, use this link* to get 5€ free when you sign up.

See more info and screenshot from my Bondora account

I’m have invested in 2 projects on Bulkestate* and the next payout is scheduled for 21.12.2020.

Bulkestate investors have not experienced issues during the pandemic, which to me, proves it’s a good and reliable real estate crowdfunding platform.

All new investors will receive a 5 EUR cash-back bonus upon their first investment.

See more info and screenshot from my Bulkestate account

I’m still withdrawing from Crowdestate*. While I don’t think there’s any doubt that the platform is legit, I have not been convinced about their ability to pick the right borrowers. In my opinion, too many projects have experienced payback issues.

See more info and screenshot from my Crowdestate account

There’s a few delayed projects at Crowdestor* but I’m happy with the level of communication in the official Crowdestor Facebook group and email updates.

Crowdestor’s site was down for a couple of days due to hostile DDoS attacks. They have moved their site to Amazon Web services and is now in a safer environment. I’m pleased to see how they handled the situation in a quick and professional way.

See more info and screenshot from my Crowdestor account

I’m currently not happy with FastInvest*.  Withdrawals have been pending for months and we’ve seen no signs of improvement.

See more info and screenshot from my FastInvest account

While it’s clear that Grupeer is facing a lot of problems, they continue to communicate to investors from their blog. Apparently, they’re planning to resume repayments from some Loan Originators within the next couple of months. I’ll have to see it before I believe it though.

According to Grupeer’s own “Portfolio performance audit”, 44% (20.84M EUR) of their portfolio is facing financial difficulties. The latest update was posted on 20.07.2020.

See more info and screenshot from my Grupeer account

While many loan originators are struggling on Mintos*, I get the impression that they’re doing a good job handling the situation and getting money back to investors. Several of the defaulted loan originators made substantial repayments to investors in July.

Mintos does a good job giving updates on each and every Loan Originator on their blog.

As you can see from the graph, my Mintos portfolio has not suffered much from the pandemic.

See more info and screenshot from my Mintos account

I use PeerBerry* as my children’s savings account. Everything is running smooth here.

See more info and screenshot from my PeerBerry account

ReInvest24* is starting to gain some well deserved traction.

More projects are being published and funding seems to happen quicker than usual. This is a good sign and it’s exactly what ReInvest24 needs in order to gain popularity.

If you want to try ReInvest24 you will get 10€ instantly credited to your account if you sign up with my ReInvest24 referral link*.

ReInvest24 is giving 2% Cashback until 10.08.2020 23:59 if you invest (gross total) at least 500€.

See more info and screenshot from my ReInvest24 account

Robocash* borrowers are clearly hit by Covid-19. I’m happy that Robocash has a good economy and never failed to honor their 60 day buyback guarantee.

See more info and screenshot from my Robocash account

Record earnings month on Swaper*.

The 60 day buyback kicked in for many loans which explains the higher than usual repayment.

See more info and screenshot from my Swaper account

Several loan originators on Viventor* are struggling but at least they are good at communicating what’s going on.

See more info and screenshot from my Viventor account

Wisefund implemented a 3 month grace period in March. According to the “Expected Account Transactions” list in my Dashboard, projects should start paying again from 30.07.2020.

However, no repayments were received in July and no information was given other than this notice in the project descriptions:

Investors in the Telegram group are now preparing for legal action.

See more info and screenshot from my Wisefund account

Real Estate

I received rent from 4 tenants in July. One apartment is currently vacant while it’s being renovated.

See more info about my First property and Second property

Savings rate / expenses overview

My total expenses for the month were 2 348€. It’s a tad more than usual due to a visit to the dentist, a 4 day trip to Porto and flight tickets back to Denmark.

See more info about my Savings rate

Blog statistics

Visitors: 6 226 (-12.51% compared to last month)
Page views: 18 283 (-14.42% compared to last month)

3 135 Subscribers (+15 compared to last month)
1 573 Facebook followers (+12 compared to last month)

Quote of the month

Safe access to work, streams and games

With NordVPN* your internet connection is secure and you can browse the web with full privacy. You can even watch your favorite TV show from any country without limitations.

Buy NordVPN’s 3-year plan and get a 70% discount – $3.49 per month.
The sale ends on 17th of August.

Start your own blog

Have you been thinking about starting your own WordPress blog?

FinanciallyFree.eu is hosted on SiteGround – probably the best WordPress host in Europe!

SiteGround - Cheap Web Hosting for WordPress

Free EUR bank account with no fees

I use N26* to transfer to and from my investments. Even living in Portugal, it’s my main choice of bank.

If you live in Denmark, Poland or Sweden having an N26 bank account will save you from currency exchange fees when dealing with euros.

N26 bank account

That’s it for this month!

If you enjoyed this post, maybe your friends will like it too? Hit the like button below and/or share it with your friends!

P.S. When you comment, please use your real name (first name is enough). Blog names are not accepted and will be renamed to Anonymous.

22 Replies to “Portfolio update July 2020”

  1. Welcome back 😉

    That was a short-lived adventure?!

    Are you gonna tell us more about this, or is this it?

    1. Moving to Portugal was one of the best decisions I ever made. It lasted only 6 months but the experience was worth everything. If you want to know more about the Vegetarzan project, feel free to drop me an email, I’ll be happy to chat about it.

  2. Seems like you had to rush back to Denmark with extremely short notice and gave up the Lisbon dream, sorry to hear this. The Portugal experience was not as fulfilling as initially described then, good to know as I was planning to move there as well.

    1. Portugal had nothing to do with the decision, we loved living in Portugal! If we had the option to pursue the new venture from Portugal we would have stayed. But in a start-up it’s critical to be close to the daily operations so it was a necessary step. We will be back one day!

  3. Hi Jørgen – Although your staying in Portugal was i a bit short im sure it was a nice and learningful experience. I wish you best of luck with your new position in Vegetarzan. Seems that they are making Janeliciuos food 🙂

    1. Thank you Jørgen. Yes, it was only 6 months but it was a great experience! The food is incredibly tasty, healthy and good for the environment. We should all eat more vegetables 🙂

  4. Very daring to start a restaurant business in the midst of corona and lockdowns. It could be another year before a vaccine is outthere, did you consider that?

    1. Yes, we are very much aware of the risks Marc. We started the first restaurant on March 1st, just as Covid-19 hit the hardest and needed to adjust quickly. There’s many ways to deliver delicious, healthy take-away if needed. We’ll find a way!

  5. Nice article Jorgen, thanks for sharing so many details. I am curios, can I invest/buy real estate in Denmark if I’m not a citizen (but I live in EU, Romania) ? Are in Denmark real estate auctions (properties sold by banks) ? Thanks

    1. It’s my pleasure Vlad. Danish property is not available to foreigners unless they live here. It’s one of the exceptions Denmark required before entering EU.

  6. Hi Jørgen,
    Do you have at least 8 shares of Occidental? Did you noticed that Occidental gave 1 warrant for every 8 shares? Apparently, each warrant gives the option to buy one share for $22, so they are not valuable now, but may become valuable in the future as the stock rises further. They can also be sold at NYSE and are already worth around $5 each. [1]

    In Degiro, the warrants show up as “Non tradeable”. I am still waiting for customer service to tell me if it will be possible to exercise the warrant option in the future through Degiro. Does anyone know?

    [1] https://www.oxy.com/investors/Services/Pages/June2020Warrants.aspx

    1. HI Ricardo. Sorry for the late reply. Yes, I got some OXY warrents. I’m not sure how it works, I have not tried to sell them. I don’t see any buy or sell orders on Degiro but there’s a “Latest” indicating the price of the last transaction.

      1. Hi Jørgen, meanwhile, I have asked Degiro. They told me that (a) we cannot sell the warrants through Degiro, but (b) we can exercise them through Degiro (we just have to email them). The warrants are valid until 2027. Until that date we can buy shares for $22 each. Obviously, it makes no sense now, because they are trading for $12, but they may become quite valuable (we hope!).

  7. Hi Jørgen,
    What are your thoughts on the increase in Pending Payments on Mintos? I can see that on your screen dump it is currently around 11% of total invested. I have stopped reinvesting a while back (just letting the loans run out) and for me this amount is around 25% and have been steadily increasing over time. Have you considered limiting your exposure as well?

  8. Spændende koncept med Vegetarzan, jeg håber det lykkes for jer.

  9. how much time per day you spend to analyze, review and report your whole investement strategy?

  10. Took out all funds but EUR 100 from FastInvest too see what would happen with the platform. I tried taking out EUR 27 on the 27.04, this payment is still pending.
    Allthough I do not expect to see those money again. But we will see. From a technical point of view I like the platform.

    Good luck with your new startup, looking forward to read more about it.

    1. I’ve not received any of my latest withdrawals from FastInvest either. Thanks for wishing me well with the startup. Busy (but fun) times!

  11. Dude. I am happy that you are moving back. Baltic P2P where you income came from is dead. I pulled all my money out and wrote down what I couldn’t. A scam after a scam, there is no business model for investors.

    I do wish well for you. Going into restaurant business at the start of Covid does not sound like a good idea as you seem to have no advantage. The virus will be here for a long time and restaurants suffer. Seasoned veterans are going out of business and you will lose your money and time.

    I have been investing for living for 15 years, I am now buying assets for which Covid offers a discount. Currently some airport stocks. Why don’t you buy a working restaurant for next to nothing if you really want to work in that area?

    IT will do well during Corona and after it. That is what you know.

  12. Olá!

    I was thinking on starting investing on Mintos but I was seeing a lot of bad reviews on the web due to last months. What are your thoughts? Think it’s safe?

    1. Hi Estrela. No investment is safe. However, there’s several healthy loan originators on Mintos that I don’t mind investing in.

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Discover the Best Student Loan Payoff Plan for You

Student loan debt is a hard reality for more than half of near and recent graduates, according to a Cengage study. While most remain optimistic that it will only take 6 years to pay off their student loans, the more sobering reality is that the average graduate takes 20 years to pay off their student loan debt.

It’s no secret that student loan debt can put a damper on plans like traveling, buying a house or choosing to have children. This is why some graduates may choose to pay off their student loans early.  It’s also true that for many Americans, a long-term student loan debt payoff plan can include loan forgiveness. So the real question is when and how should you pay off your student loan debt?

In this article, we explain what to do before paying off student debt and easy to follow steps that will help you get there.

What to Prioritize Before Paying Off Student Loans

Before you jump into paying off your student loans, you need to complete an overall financial health check-up. This includes the following steps:

1. Build Up An Emergency Fund

Before you start tackling debt payoff of any kind, you need to have an emergency fund. The general advice is to have enough saved up to cover at least three months of expenses. However, in light of recent events with the global pandemic, many individuals have reevaluated this goal and upped the amount in savings. We encourage you to set your own number you’re comfortable with.

The reason an emergency fund should be a priority over debt payoff is that it offers much-needed protection from taking on even more debt. Instead of putting a medical bill or a new tire on your credit card, you have cash on hand to pay for it. Put simply, an emergency fund keeps you from accumulating debt, which is essential when you’re working to pay it off.

2. Set Up Your Investment Accounts

This piece of advice may seem a bit counter-intuitive as investing regularly would direct money away from the student debt you’re trying to pay off. However, this is based on the idea that returns on your investments over the long term will be higher than if you directed that money towards debt. Not only this, but time in the market is the key to building a healthy retirement fund in time for your actual retirement date.

If your company offers a 401(k), be sure you’re contributing enough to get the company match (if they offer one). If your company does not have a 401(k) plan or retirement contribution plan, consider opening an Individual Retirement Account (IRA) and automating monthly contributions.

3. Review of Student Loan Forgiveness Plans You May Be Eligible For

There is a possibility that you may not need to pay off your student loans all by yourself. There are several student loan forgiveness programs available to those with federal student loans as long as they meet certain eligibility requirements.

Take the time to review your student loans before creating your debt pay off plan. You can look at all of your federal student loans in one place by logging into your Federal Student Aid account with your FSA ID. If you have private student loans, they will not be displayed in this portal as they are managed by private lenders. To see if you have any private student loans, you can order a copy of your annual credit report. This will have the lender and loan servicer information for your use.

4. Pay Off High-Interest Debt

Even if you’re not eligible for forgiveness, there is still one more thing to do before paying off student loan debt – pay off your other debts.

Student loans, especially federal student loans, tend to have lower interest rates. This means you’re charged just a little bit less for borrowing that money than other forms of debt like credit cards. To save the most money, you want to pay off your highest-interest debt first. This will likely be credit card debt.

An Essential Step You Shouldn’t Forget

Don’t forget that while you work on this list, you should always be paying the minimum amount on your student loans. This will keep your account in good standing and reflect well on your credit report.

5 Options You Might Consider to Pay Off Your Student Loans

When it’s time to finally tackle your student loan debt, you might consider some of these strategies below.

1. Review Employer Student Loan Repayment Programs

Companies are increasingly offering student loan repayment programs as an incentive to work with them. This employee benefit might aid in a portion of the student loan debt pay off process.

However, it’s important to note that many employer student loan repayment programs will not stack with federal student loan forgiveness programs. You will want to review all of your options to see which one might be a better fit for you.

2. Make Extra Payments

An easy way to speed up your student loan debt payoff plan is to make extra payments when you can. If you receive a bonus or have a side hustle, consider directing this extra income towards your student loans.

3. Refinance Your Student Loans

Refinancing your student loans is a good option to consider if you are aggressively paying back your student loans and can qualify for a lower interest rate. When you refinance, your old loans are paid off by the new lender and you’re issued a new private student loan, ideally with a lower interest rate so you save money.

Note that refinancing your federal student loans means you give up all forgiveness options and federal student loan protections like forbearance and income-based repayment plans. You should be sure you have a stable job and are comfortable giving up these borrower protections when refinancing federal student loans.

4. Enroll in Autopay

For most student loan servicers, when you enroll in autopay you can receive a small deduction in your interest rate. This is a simple switch, and every bit counts when you’re on the path to becoming debt-free.

5. Pay Off Capitalized Interest

Interest accrues (collects) on your student loans. Depending on the type of student loan you have, interest may collect while you’re in school, during periods of forbearance. and even in your grace period. If that interest goes unpaid, it capitalizes and is added to the principal balance of your loan. This increases the amount of debt you owe, and is essentially compounded interest (paying interest on interest).

To avoid this and speed up your debt pay off plan, you can pay any unpaid interest before it capitalizes.

Create Your Path for Paying Off Student Loan Debt

Paying off student loan debt takes dedication and persistence, but with the right plan and few of the strategies above, it is attainable. We probably don’t need to tell you this, but paying off student loan debt will positively impact your credit scores and more importantly pave the way for less financial worry and more financial freedom.

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Book Buys, Word of Mouth and International Girls’ Day

Restless seeking to find stability, worthless seeking to fill sense of self, call it evasion, elopement or ostrich flight syndrome… the book buying spree is ongoing. But all of the books I bought below come from personal recommendations, mainly via social media.

A trio of blue
A trio of blue

After posting a review about Amy Liptrot’s The Outrun, dear blogger friend Susan Osborne recommended Kathleen Jamie’s nature essays, while Dorothy Nimmo and Steve Erickson were mentioned with some admiration on Twitter. Dorothy Nimmo apparently spent the 1960s as a ‘trailing spouse’ in Geneva, and her intriguingly succinct bio  says: ‘DN was an actress for ten years, a wife-and-mother for 25. In 1980 she started to write; in 1989 she ran away from home.’

Monochrome happiness
Monochrome happiness

My Canadian friend and fellow book fanatic Sylvie  sent me the small volume Lire la rue, marcher le poème (Read the street, walk the poem), a series of short essays and ‘provocations’, workshop notes and samples of written work to inspire teachers to use poetry in the classroom. Meanwhile, the indefatigable Daniela Petracco of Europa Editions has sent me the proof copy of Saleem Haddad’s moving novel about growing up queer in an Arab country.

Not a girl in sight in the title, but there may be one in the text...
Not a girl in sight in the title, but there may be one in the text…

This one has a more complicated lead-in. When Sarah Savitt (then working at Faber) visited the Geneva Writers’ Group in 2015 and gave me some feedback on my WIP, she was very excited about a book which she was about to launch, Kate Hamer’s The Girl in the Red Coat. I was initially somewhat sceptical, having overdosed on books with ‘girls’ in their title, but when I read it, I thought there was a very different and unique voice at work there. Nearly two years later, my novel is nowhere near completion (sorry, Sarah!), but Kate Hamer has written a second one, which will be released in February 2017. When Sophie Portas from Faber asked who wanted an advance copy, I knew I had to request it, especially since it appears to once again feature a young girl’s view on life.

Speaking of which, today is the fifth International Day of the Girl, so here’s to all the wonderful creatures and future generations of women out there! May your way be much smoother than the previous generations’. Here’s a poem by Phoebe Stuckes written just for you.

Let us build bonfires of those unanswered prayers.
Let us learn how to leave with clean and empty hearts
Let us escape these attics still mad, still drunk, still raving
Let us vacate these badly lit odd little towns
Let us want none of what anchored our mothers
Let us never evolve to be good or beautiful
Let us spit and snarl and rattle the hatches
Let us never be conquered
Let us no longer keep keys in our knuckles
Let us run into the streets hungry, fervent, ablaze.

Are a mighty thing
A captive animal, woken with a taste for blood.
Feed it,

You Amazon, you Gloria, you Swiss army knife of a woman.

International Day of the Girl banner from UNICEF, Haiti
International Day of the Girl banner from UNICEF, Haiti

17 thoughts on “Book Buys, Word of Mouth and International Girls’ Day”

  1. That’s one thing I love about being a part of the online community, Marina Sofia. I learn about so many great books that are out there, or coming out. I’m glad you’ve found these. They do sound interesting (and tempting…)

  2. Sightlines is a book that I have too, tucked away on my shelf; and every time I find it I am surprised. I heard wonderful things about it and chanced to find it somewhere. I really ought to move it into a more prominent location!

  3. Laughed at your possible reasons for book buying splurges especially the ostrich flight syndrome. I have visions now of you toddling off to the bookshop with feathers flapping madly amd that ‘get out of my way’ look.

  4. That poem is perfect for this day Marina ~ Can’t keep up with your book reviews & I marvel at your energy in reading and reviewing them ~

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9-1-1 poster
Genre: Drama, Action, Crime
Channel: FOX
Status: Continuing
7.8/10(269 votes)
Aisha Hinds Aisha Hinds as Henrietta "Hen" Wilson
Angela Bassett Angela Bassett as Athena Grant
Angela Bassett Angela Bassett as Athena Grant
Bryan Safi Bryan Safi as Josh Russo
Connie Britton Connie Britton as Abby Clark
Jennifer Love Hewitt Jennifer Love Hewitt as Maddie Kendall
Kenneth Choi Kenneth Choi as Howie "Chimney" Han
Oliver Stark Oliver Stark as Evan "Buck" Buckley
Peter Krause Peter Krause as Bobby Nash
Rockmond Dunbar Rockmond Dunbar as Michael Grant

9-1-1 is a fast-paced exploration into the lives and careers of first responders – cops, paramedics, firefighters – the people who put their lives on the line to save others.

9-1-1 season 1

9-1-1 season 1 poster

TV show 9-1-1 season 1 on FOX Channel is a drama by Ryan Murphy about the lives and careers of people from rapid response services. The tv series will show the responsible and hard work of the police, emergency doctors and firefighters, who almost every day have to face with incredibly complex issues from a moral point of view and life-threatening situations. The main characters of the drama try to combine work and personal life. And it is very difficult with such professions. They must find the golden mean between the endless salvation of people and the resolution of their own everyday problems in the season 1 of 9-1-1 series.

Read more »

9-1-1 season 2

9-1-1 season 2 poster

9-1-1 season 2 is the continuation of the procedural about brave rescuers. Recall that the plot revolves around policemen, firefighters, paramedics and dispatchers of the rescue service. Every day they forget about their own problems, to run to those who need their help. Apparently Bobby Nash team will not have the weekend in the upcoming season 2. For example, rescuers will have to face the real chaos that will cause a strong earthquake, already in the first episode. And help may be needed not only for ordinary citizens, but for the main characters of 9-1-1 TV series themselves…

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9-1-1 season 3

9-1-1 season 3 poster

9-1-1 is an American television drama serial which was launched in 2018 and included 20 series. The upcoming season will be available for watching autumn 2019. The third season will be the Continuation of the series about Los Angeles intelligence workers who make responsible decisions in seconds, even in the most extreme situations, when there is no time to relax. Everything is as in real life, that’s why the series is so loved by the audience. We will be able to observe new people’s stories and tragedies which will be solved by people from Bobby Nash team. So what will happen next? Just wait and you will see.

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9-1-1 season 4

9-1-1 season 4 poster

If a year ago the role of the main catastrophe in "9-1-1" was played by a giant wave from the sea, then this time the water element will disturb the inhabitants of Hollywood on the other side - the river dam closest to the city will collapse, and the dirty water will again flood the streets. At the same time, rescuers will have to face another threat, familiar to every viewer this year - in confirmation of this, their favorite heroes have already acquired stylish protective masks.

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