text:
Not enough to do

I have identified an issue that might be preventing me from experiencing true satisfaction with life: I have too much time on my hands.  I need more activities, interests, and commitments to provide structure to my everyday comings and goings.  The past couple weeks I’ve been going directly to class after work on Monday and Wednesday, and then Tuesday is ladies’ night for dinner and $1 scoop ice cream at Baskin Robbins.  I still have plenty of time spent sitting on the couch at the computer: reading articles, looking at celebrity gossip websites, talking online, watching videos…  I’m halfheartedly looking for a regular volunteer opportunity.

The two major hospitals near me request commitments of at least 4 hours per week and I had been thinking that I’d like to do closer to 4 hours per month, not week.  I might still look into it, especially because one of them says “2-4 hours/week” in one of their FAQ sections and I could do 2.  Both allow potential volunteers to specify whether or not they prefer to work with patients (no) and if they’d be ok working in an office environment (yes).  I also did a quick, unproductive search for local nursing homes that need volunteers to provide company for residents.  During a summer in college I assisted with bingo hour on Wednesdays at a nursing home and I’d be interested in doing something similar again, especially since my grandparents are all dead.  Perhaps I would be paired with a few residents who could use a regular visitor.  Then again, I vaguely remember that my experiences that summer were depressing more than anything, leaving me horrified by what happens in old age.  I vowed to be 19 forever.  While I didn’t manage to hold onto 19, at least I’m still young.  I hear 26 is the new 19.

June 11, 2008. Words.

  1. sarah replied:

    perhaps you should have a child. that pretty well sucks all the free time out of your life.

  2. admin replied:

    Heaven forfend!

  3. mom replied:

    well, I’d go for one where you can read to people in the lounge, like you said, maybe 2 of them primarily, then from there you could branch out to having Kalayna with you or “Hey, anyone for bingo? Dime prizes (Grandma proudly handed over her dimes to me and pointed out that : “It doesn’t take any brains to win, the other old people just aren’t paying attention”, as she was most often the winner, which was then posted on the white board in the lounge).
    You will have a couple months where your baby will be schlupping your time, like Sarah says,………, I mean the house.
    Altho, I got some pre-crawling baby toys and little rocky chair thingee free on yesterday, to stock pile such things here. For those not in the “heaven forfend [is that a word?] mode.
    My new babies are two incoming one and 5 yr old fairly small goat does (smaller than any we had when you were growing up) today. One the lady started milking for me today. As I recall, that is with luck a three finger only milking technique.
    Hey Sarah, have new photos somewhere on line? Send to Amy to forward to me of little O
    Love, Mom

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text:
Rachel Hopkin

Folklorist and Radio Producer

Death Valley Wilderness – Radio Documentary

5 March, 2015

A radio documentary I made last year from Death Valley is now available to listen to at PRX.  It was part of a short series called Untrammelled that marked 50 years since the Wilderness Act was put in place.

Here’s the PRX link and lowdown:-

“In this show, we explore the largest American wilderness area in the contiguous 48 states. Because of the fresh perspective someone from a contrasting climate could provide, we sent England-born Rachel Hopkin to explore the Death Valley Wilderness, located within the vast expanse of California’s Mojave Desert. Rachel watches the sunrise with Barbara Durham, historic preservation officer of the Timbisha Shoshone Tribe, the first people to live in Death Valley. She visits Scotty’s Castle and talks with National Park Service ranger, Abby Wines, about the 1920s-era house built by Albert Johnson, a wealthy businessman. She takes a short walk while talking with the Park’s wilderness coordinator, Charlie Callagan, to find out what there is to explore in the more remote recesses of the Park’s wilderness. After seeking Ranger Callagan’s advice, Rachel sets out on a hike to explore the dry falls of Fall Canyon. She ends her day trip by exploring the night sky above the Park with park ranger and night sky specialist, Dan Duriscoe.”

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text:
Nude anorexic midget girl

Tiny midget girls porn

Skinny blonde nude in public blowjob. Cartagena is also known for its fantastic nightlife scene with ample strip clubs. Skinny babe in panties shows off her extreme anorexic bony body. Ebony doll tied up to a tree for some sexy fun.

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The victoria beckham fashion documentary.

Free porn midget pics

Twidget the midget gets caught turning secret tricks. Russian skinny girl goes full on chat. Ugliest oldman fucks anorexic girl in the woods. You can readily monitor your body fat percentage within a couple of seconds using our simple and advanced navy body fat calculator.

Skinny girls naked pics

Her nams is shaunee like it says in the song.

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Vater fickt seine kleine stief tochter wenn mutti weg ist. And lets not forget about the ladies, as there are blondes beach posing, brunettes topless on the beach and more.

© | Abuse


text:
Cover art for podcast Generation Bold Radio

Generation Bold Radio

148 EpisodesProduced by Adriane BergWebsite

Host Adriane Berg and her battalion of experts come to the rescue to bring you the “Fountain of Truth” about Boomer lifestyle and fulfillment.If it is in your life, you will hear about it on Generation Bold.Health. Wealth. Travel. Relationships. Home. Spirituality. Sexuality. Older parents. Boomeran… read more

Generation Bold Radio, March 1, 2020--Guest: Dr. Erika Schwartz, Hormone and Biomedical Treatments

Dr. Erika Schwartz takes the best of conventional and integrative medicine and applies them to preventing disease.

For more than 20 years, Dr. Erika has been at the forefront of advanced patient care. She was one of the first doctors in the US to treat patients with bio-identical hormones, conduct biomarker testing, and to administer preventative IVs.

She continues to deliver cutting edge care to all of her patients in a warm, friendly office. For Dr. Erika, work is pure joy, her legacy is to improve health care for the individual and remove fear and arrogance from the system.

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text:
I just remembered you…

Since last week, I have been receiving requests  about the new search engine Scour. Some of these requests came from people I know but MOST of them came from long lost acquaintances.

The invitations are something like this

Did you hear about Scour? It is the next gen search engine with Google/Yahoo/MSN results and user comments all on one page. Best of all we get rewarded for using it by collecting points with every search, comment and vote. The points are redeemable for Visa gift cards It’s like earning credit card or airline points just for searching. Hit the link below to join and we will both get points!

I know you’ll like it!

– <<name of the sender>>

Out of curiosity, I wanted to find out what is behind this. It was not difficult to find that out. I found this in the rewards section for the site.

The top search engines make billions of dollars a year in advertising revenue, wouldn’t it be cool if the users got a piece of that too? Enter Scour Points! Every member is awarded one point for every search, two for a vote and three for a comment with a maximum of 4 points a search. Once you aggregate at least 6,500 points you can cash them out for a $25 Visa gift card… it’s more than you currently make from searching, right? On top of that, we offer referral points for the friends you introduce to Scour where you can earn 25% of the points they make. So if you invited 25 friends that used scour regularly in addition to yourself, that’s an easy $125 in your pocket for a year of what you already do! Check out how much you could earn with the Scour Points Calculator. This isn’t a pyramid scheme and we’re not trying to get you rich quick, we just think it’s a good idea to share our success with those who help make it possible.

Play a part in the Scour community and get rewarded for what you already do!

My thoughts:

1. This is a simple case of “selective withholding” of information. The invitation says “we both will get points” but does not say “the sender gets additional points (a fraction of the points earned by the receiver)”.

2. Please notice the emphasis in the rewards section – “This isn’t a pyramid scheme and we’re not trying to get you rich quick…” Just in case you thought it was one 🙂

3. I wonder how they expect to increase the quality of search results if most of the people who are participating (votes, comments, recruitments etc.) are doing this to earn points.

All the best to everyone involved.


text:
Paramilitary Lover by Samantha Wynne Rhydderch

He strokes my neck like the barrel of a rifle

he might have killed that German with,

his boots by the door, susceptible to the cold.

I glow by the fire in tandem with

the rosewood dresser, impartial to flames,

me with a passion for granite, him

with his head shaved against the night,

shedding his armour plate by plate.

I sleep under his shield, enfolded

in an English flag I think will

become my shroud. While I thrill

among the lilies, placing a chestnut

on the grate like a move in chess,

I see the incentive of lace

defeat artillery hands down.

by Samantha Wynne Rhydderch

Interesting info: Samantha Wynne-Rhydderch, sometimes referred to as S. W. Rhydderch, has published two collections, Rockclimbing in Silk (Seren, 2001), and Not in These Shoes (Picador, 2008), which was shortlisted for Wales Book of the Year 2009.

The Just by Jorge Luis Borges

A man who cultivates a garden, the way Voltaire wanted.

One who is grateful there is music in the world.

Who delights in knowing where words come from.

Two workmen who, in a cafe in the South, play chess silently.

The potter who deliberates over form and colour.

The typesetter who lays out this page well but still is not pleased

A woman and a man reading the last tercets of a certain canto.

One who strokes a sleeping animal.

Who justifies, or wishes to, a wrong done to him.

Who is grateful for Stevenson,

Who prefers others to be right.

These are people who, ignored, are saving the world.

by Jorge Luis Borges, 1899-1986, Argentina

translated by Kurt Heinzelman


text:
The App That Helped Me Get Back In The Fitness Game

Can I just say, there are SO many health and fitness coaches on Instagram it’s kinda insane. I follow a couple chicks I respect but…other than that, lawd. have. mercy.

A few years ago my health and fitness routine spiraled into an unhealthy obsession. Living in Orange County, California, does come with an unsaid pressure to be fit, healthy, and young, but my addictive personality definitely added fuel to the awaiting fire.

Two strict diets, working out twice a day, not focusing on nutrition and feeling like I was running for dessert eventually tipped me over. After nearly two years on the hamster wheel, I finally fell off. And when I look back it’s easy to see it was only a matter of time.

I dropped to working out once a day, and then every other day, and then twice a week, and then oops skipped a week. All the while my caloric intake stayed the same and never adjusted to my new limited cardio. Twelve pounds (I stopped weighing myself after I gained twelve) and eight months later, I finally got myself back on the wagon and started practicing a balance between food and exercise.

Changing my mindset was priority number one, fixing my relationship with food was number two and finding a fitness routine I enjoyed was number three. And two apps helped me get number three situated.

7M for Women and ClassPass.

7M for Women is a FREE app with a variety of timed workouts. At the end of each session the same voice narrating your workout also tells you, “congratulations, work out complete,” and I was here for it. I needed that kind of affirmation in my life because it didn’t matter how long the workout was, I still got a congratulation.

ps: 7M stands for 7 minutes, as in a 7-minute workout, you still get a congratulations because showing up counts for something.

ClassPass isn’t free, but the cheapest plan I was on helped me figure out what kind of classes I would want to invest my money in monthly, which led me to aerial fitness classes.

Never would I ever imagine I’d be putting my thing down, flipping it, and reversing it up on the silks and hoop, but here I am six months later and loving it. I live for my Wednesday night classes because once a week I prove to myself I can do the previously imagined, impossible.

But here’s the thing, I made a promise with myself I wasn’t going to over do it, meaning I wasn’t going to get competitive and only believe the workout counted if I was the best in the class and could outperform. Instead, my mindset was singularly focused on me, reminding myself I was doing it for me and for fun.

Day one is better than one day.

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Published by Shannon Randol

Sharing life and what's helped me grow through what I've gone through.

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Volunteer fence maintenance a win-win for landowners, big game

By Martin Townsend, RSA Lands Coordinator

This summer, an effort between conservation organizations and Blaine County ranchers at the Louie Petrie Ranch north of Turner, Montana offered two days of hands-on learning, practical ranch work, and collaboration to benefit ranching and pronghorn migration in the region.

The Obrecht family hosted more than 40 volunteers June 17 and 18 at their ranch to share how fencing and simple changes of wire heights can make huge impacts for migrating pronghorn. The Woody Island Coulee area is a key migration linkage for pronghorn. Hundreds of animals migrate through the area each year as they follow the narrow strip of grassland from summer to winter ranges at each end.

Along the way, these animals can encounter fences that make travel difficult. This added stress can have negative impacts to their health and survivability, especially in harsh weather. Raising bottom wires on fences to 16-18 inches can greatly reduce these hindrances. This field day accomplished just that task for the benefit of migrating pronghorn as well as completed some needed fencing maintenance on the ranch.

The workshop started with presentations related to pronghorn migration and programs from Montana Fish Wildlife and Parks and Pheasants Forever biologists. Tyrel Obrecht shared an overview of the ranch and gave a great explanation as to why they prioritize wildlife habit alongside their cattle grazing. The family has found that by managing their grazing in a way that benefits wildlife, their business benefits, too.

Tyrel Obrecht shares information on the ranch’s grazing practices and the carbon sequestration work they are doing with Western Sustainability Exchange.

The group toured the ranch to see cropland that has been seeded to grassland and their use of temporary fence to help with plant recovery and carbon sequestration. By grazing small areas for short periods of time, and therefore allowing greater rest and recovery time after grazing, Obrecht said he has noted increased plant vigor and resiliency without sacrificing grazing capacity. This increase in plant response also helps provide high value food sources for wildlife. These are food sources pronghorn need while migrating through the area.

Next, volunteers either removed a bottom wire, clipped the next wire up in places, or re-hung at a height easier for pronghorn to get under. Most of the volunteers were conservation agency or organization employees with Natural Resource Conservation Service (NRCS), Bureau of Land Management (BLM), Fish, Wildlife and Parks (FWP), Ducks Unlimited, World Wildlife Fund, Pheasants Forever, Ameri-corps and more. Surrounding ranchers also came and learned about pronghorn migration and provided support to the fencing crews.

While the volunteers worked on wires, ranching neighbors in UTV’s helped supply tools, moved crews and provided water as the afternoon got warm. The event brought together a diverse network of experiences and expertise: college-aged interns worked alongside state and regional agency directors; ranchers worked alongside employees of wildlife non-profits. Everyone got to meet someone new and directly contribute to improving habitat for wildlife and the ranch’s grazing infrastructure. Many of the participants camped on the ranch to get an early start on the fencing the second day. This provided an opportunity to get to know each other, see more of the ranch and recreate in a place some had never experienced. Some of the intern participants were from as far away as Massachusetts and some had never seen pronghorn before. The event was a great introduction to ranching and wildlife co-existing in this prairie landscape.

Pheasants Forever Biologist Hunter VanDonsel explaining the conservation project and grassland reseeding underway on the ranch.

The Obrecht family and workshop organizers set a goal to modify nine miles of fence for the event. By lunch on the second day, the group had modified more than 11 miles of fence. It was a great opportunity for relationship building, community engagement, wildlife habitat improvements, and ranching exposure for people that might not otherwise see the intersection of ranching and conservation on the ground.

Thank you to all who put this event on, including Pheasants Forever, Ducks Unlimited, Ranchers Stewardship Alliance, Natural Resource Conservation Service (NRCS), Blaine County Conservation District, Montana Fish Wildlife and Parks, US Fish and Wildlife Service, and First Bank of Montana.

Thank you to the Obrecht family and the Louie Petrie Ranch for hosting this great event.

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text:
How to choose a good Light Reflector?

How to choose a good Light Reflector?

Most often when I’m doing a photo shoot I will use off camera flash because I like the control over light that I have and because in the end I have less editing to do on an image. However there are times when its more convenient to shoot natural light and this is where I will have a small portable reflector with me to help in difficult situations.

How to choose a good light reflector really comes down to how you plan to use the light reflector. There are various sizes and shapes available and each has its own pros and cons to it. Knowing how the reflector will help enhance your image is the best place to start.

Reflectors are not only used outdoors as I’ve used them in studio and outdoor with external flash units. So its safe to say that there are a few ways to use a reflector but many instances where one can help your overall image. Lets take a closer look at light reflectors and help you choose the on that is best for you.

Types of Light Reflectors

If you are going to be a serious about your photography  you will have to get serious about using reflectors.

Reflectors come in many different shapes and sizes and even in different colors or reflectivity, in a matter of speaking.

When you are outdoors and need extra light that is flattering to your subject, reflectors can help a whole lot. Portable reflectors are much more light weight than they used to be and most of them can fold up for ease of carrying.

Not to mention they are extremely low cost…cheap.

The reflectors you most likely have seen are the round and oval ones, although there are various sizes and shapes.

More on that in a bit for now its good to note that a good portable reflector should have up to 5 different panels that can be used.

Translucent, White, Black, Silver and Gold. The most common of these panel would be the silver and white, mainly because most photographers do not know when or how to use the colors but its actually quite simple.

If you are shooting in mid day sun light and have your subject in a shaded area but not getting good light on them you can use the silver panel to reflect that daylight onto your subject, its intense and can push that light further than the white panel..

If you want a softer look on your subject as the silver is very strong its best to use the white panel.

When in an area with no shade you can use the translucent panel to create your own shade. If you want to subtract some light you use the black and use the gold when you want that golden sunset look.

Light Reflectors mainly come in two different styles, collapsible or frame and panel and its good to note that the purpose of the reflector does not change merely because the type changes.

Each type has its advantages and disadvantages, but it is up to the individual photographer to decide which he or she will use.

Some photographers may use both types in various different shapes and sizes, but again the overall purpose of the reflector does not change.

Collapsible vs Frame Reflector

The collapsible reflectors are often used by photographers that like to travel light. A small 5 in 1 reflector can take up little space when trekking into the wild with a model.

Such a reflector can be more valuable to that photographer than flash units when shooting outdoors. The draw back is that they are light and can be easily swayed by the wind even if they are attached to a reflector stand.

Also in some situations it will require you to have an assistant present to hold the reflector in place while the you make subtle adjustments in your distance and or light intensity.

The benefits however as stated is that its extremely light weight and can be carried into many places where larger items will be a hindrance. If you are by yourself it can limit you on the type of shots you can get based on distances.

An example of this is if you and your subject are in the shade but need that extra pop of light, you have a problem. You need someone to hold the reflector in the light and bounce that light on your subject under the shaded tree.

Its good to note you can get some light under a shaded tree but often its very little that can be reflected.

The frame or panel reflectors do carry a little more weight and bulk than the collapsible reflectors but the frames or panels make them more durable and stronger.

Trekking far into the woods with a panel reflector will no doubt add a few extra ounces on a long hike and will it will feel like you are carrying around extra pounds.

The good news light wind will not disturb your reflector as much as a collapsible.  The draw back is that some panel reflectors can become a land sail in breezy situations and like the collapsible will require and assistant to control it.

What I do like about the framed panels is that they are often larger and can be used in a variety of ways but you will need the aid of a weighted stand or an assistant to help get things in the right position.

Reflector Shapes

Once you have decided on the type of reflector you are going to use, its time to make a decision on the shape you are going to use.

The most common shape for the fordable reflectors are the circular reflector.

This is because they can reflect light smoothly onto your subject without any awkward shapes being projected and well because they are easy to narrow in on particular parts of the body or the whole body.

The circular reflector is often used to reflect light on a particular section of the model or subject such as from chest and above for a nice head shot.

Another common type is the oval reflector.  These reflectors are often used when the photographer wants to reflect light on the entire body of the subject instead of pinpointing a particular section.

A circular reflector can also cover the entire body but it will have to be a large reflector. The oval reflector also can be used as a backdrop for head shots.

The square or rectangular reflector is mainly a preference by the photographer who want to simulate a window or building, this is usually depending on his or her style of shooting.

These larger reflectors are usually used in studios or indoors because they become a huge wind sail outdoors however don’t underestimate them as they can be very useful outdoors as well but with an assistant.

The triangular reflector has been gaining popularity within the photography world.

This is mainly due to the fact that the triangular reflector usually has a grip at the narrowest part of the reflector, thus allowing the photo assistant to hold it more precisely and adjust quicker. Its similar to the round reflector and usually a but more ridged.

No mater what the shape of the the reflector the purpose does not change.  A light reflector is used to reflect or bounce light onto your subject illuminating any dark or shadowy areas.

Sunbounce reflectors

If you are shooting in the early morning or the late evening with that orange type sunlight then it is best to use the gold pane.

If you want to subtract some of the light hitting your subject you can use the black panel and if you want to get diffused look on your subject you can use the translucent panel to block some of the sun light.

These simple ways of using the reflectors are basic uses, there are many other techniques you can use while utilizing the reflectors.

While reflectors are great for location photography there are some draw backs. Most often you will need an assistant to help position the reflector in the right place to capture the light and reflect it on your subject.

Since most location photographers when they are just starting out will be by themselves this poses a problem. There is a way to fix this, you can use a tripod with a reflector arm holder in place of that assistant.

That solves the assistant problem but now you’re faced with another. The reflector holder becomes unstable and is easily swayed by just a little breeze. Its not consistent.

So what do you do? should you give up?? Of course not! Your not the first person that this has happened to so by nature human beings will find a way to make life easier, hence better reflectors were made.

One of the most versatile light reflectors I have come across is the sunbounce reflector. Its light weight but not flimsy, its durable yet versatile and when placed on a tripod will not move with light or moderate wind.

If you are going to be a serious location photographer it is best to have good equipment.

Flimsy equipment will break sooner or later causing you more money to replace, however if you purchase good durable equipment at the beginning then you have no need to worry about buying the same equipment over and over again.

Finding a reflector that will work for you wont take as long as you think. The biggest type that is often purchased are the circular 5 in 1 reflectors. Most photographer would get on as a test and just stick with it. Its worth having one around as they can be used for many helpful situations.

About the Author

rashadpenn: Rashad Penn is a photographer, Teacher, Ad man and amateur blogger based in the Bahamas.

1 Comment on "How to choose a good Light Reflector?"

  1. Rashad

    The golden jelly fish

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text:
flight to nassau-02-10-13-7Travel

The problem with parents is that their children will often pick up a few of their life’s habits. In my case there is no difference, however the most interesting thing that both my parents have is a love for travel. As a younger child I was never interested in traveling I much rather sit and read a book and live vicariously through the lives of explorers such as Jacques Cousteau. I read National Geographic and animal books constantly finding the articles quite interesting.  Between my Father and Mother the only continent they have not set foot on is Australia, which mean yes they have traveled the world and always come back with interesting stories. Another thing that most person dont know about my parents is that they are adventurous. My mother would scream at the sight of a snake bout would be the first one on a plane to go sky diving…go figure. What happened to me with such parents is that getting older I started to get this traveling bug, but not to jet set around the world but to explore my very own back yard. There is so much to see within our own country that millions come to experience every year, so why wouldn’t I want to see and experience the same thing.

My everyday travels, exploration and experiences are often amazing to me and I hope it will be the same for you. Its awesome the things I often find during great times in the day. I thought I would share what I see and capture with my camera.

I wanted to know if it possible to hop between the islands of the Bahamas. Here is my first trip traveling between three islands. New Providence, Grand Bahama and Abaco.

Click the link below to read and view the images of my travels Island Hoping.


text:
Washington license plate WA license plate BKH6816
Vehicle model: 2017 Ford Fiesta SE

Rate driver

03/20/19 9:02 PM

Almost rear ended a car in front of them while texting. Disgusting.
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I recently attended two graduation ceremonies. Friday evening in Canby and Saturday morning at Lac qui Parle Valley. The corona-virus pandemic has forced school officials to scramble and figure out a way to recognize the seniors. That was no easy task due to the restrictions put on by the state and health department. However, both schools and communities came through for the graduates and their families. It wasn’t a normal graduation commencement by any means, but both of the commencements were very personal and memorable.

Canby diploma pick up

If I may add what my personal thoughts were before I got involved with planning and attending these graduation commencements. It will sound harsh, but hear me out. I did feel terrible for all seniors missing out on the last few months of their senior year, I felt so bad for them. First, I am not a parent or grandparent of a senior this year so I wasn’t emotionally involved. My thoughts were, why even bother with a graduation ceremony? We are in the middle of a pandemic! Just send them their diploma in the mail, everyone knows they are graduating. You can’t meet in large groups or even small groups for that matter, so why even bother to try and figure out a way to get together and have a graduation ceremony. Yeah, it’s a tough break but let’s just move on. That is what I was thinking early on in this process. I told you my early thoughts were harsh, sorry! But boy, I couldn’t have been more wrong. So wrong!

Dr. Robert Slaba, principal at Canby High School contacted me about a month ago and asked if KLQP radio would be interested in broadcasting the Canby commencement program. We said absolutely. The original plan was to hold it at the Canby football field, but after the governor’s office came out with guidelines and restrictions about graduation ceremonies which said no football fields are to be used, that plan was dropped. I believe things happen for a reason. Canby has a beautiful park in the middle of town, it’s called Central Park and that was the site chosen by Dr. Slaba and his team.

Friday night in Canby turned out to be a very special night for the Canby seniors and parents. All graduates and parents sat in their decorated cars around Central Park. Everyone had their radio’s tuned to 92.1fm. Dr. Slaba, myself, and Superintendent Nielsen were under the park shelter with the radio equipment broadcasting live. We had prerecorded the senior speeches and some other parts of the ceremony. To watch the graduates drive around the block with their parents to pick up their diplomas from their cars was strange to watch. However, to see the smiles on their faces and the honking of car horns, and too listen to Dr. Slaba speak of the cooperation he received from the seniors and parents and the community of Canby actually brought tears to my eyes! The parade around the town after the commencement was amazing as well. The Canby business community is so supportive of their school, I visited with most of them this past week and they all talked about what a great school they have. Driving home Friday night, I was embarrassed to think we didn’t need to do a graduation ceremony.

Lac qui Parle Valley’s commencement was held in the school parking lot Saturday morning. It was misty and looked like it might rain all morning, but Princapal Scott Swatazky made the decision to not postpone or cancel it. It was a go at 10am on 92.1fm. The LQPV graduates and parents were in vehicles facing the front of the school building where the stage was set. The student speeches and especially Mr. Sawatzky’s ending speech were remarkable. I thought it was a great idea to include the parents in the graduation ceremony, it made it more personal. It was a very emotional commencement.

So my final thoughts about the graduation commencements.

I apologize to you seniors for thinking that because of the corona-virus you didn’t need a graduation ceremony. I am sorry and I was so wrong. It is a very tough time for all of us with this pandemic going on. Things are not the same and we need to do things differently. What the school did for you was amazing, what the community did for you was amazing, parading you around town and the support they have shown. You deserved to be recognized! It was two of the best and most memorable graduation commencements I have ever been a part of. Congratulations seniors!

Canby 2020 Commencement Program

LQPV 2020 Commencement Program

LQPV 2020 Commencement Program part 2

Photo credits: C Edwards Studio, Krista Citrowske, Erica Fernholz, Val Halvorson

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A Review of Total AUDIO-VIDEO Online Security

A Total AV Review signifies that this product is a decent anti-virus solution, which includes all the important tools necessary to keep your computer system protected right from spyware and also other viruses. Nevertheless , it is unlucky that this piece of software comes at an extremely high price, while using the average variety costing you $40. Despite this, it also installs spyware on your own machine, which is not only a waste of money, but can be a huge issue if you don’t have a great anti-spyware method on your system. In this Total AV Assessment we take a review of whether this product really supplies a reliable service or not.

General, this is a good antivirus option, which should be capable to keep your laptop running mainly because smoothly and reliably as is possible without the need for your additional features or perhaps programs. On the other hand, the price will put a limit on the volume of features it is possible to enjoy (if you are able to manage it in all). For instance , it puts spyware and has a number of other minor problems, which are too little to prevent most potential buyers. This total av antivirus review concludes that should you be on a tight budget and only need a basic antivirus course, then the total av antivirus security software program will likely be the ideal merchandise for you.

The problem is that most persons will end up finding it lacking in one or more areas. This is why this program also is included with several different add ons such as free registry cleaners, optimization equipment, and other https://recentsoftware.org/avast-internet-security-review tools to assist speed up your personal computer and defend your files. From these utilities, you can actually see how total and could get a useful conjunction with any Glass windows computer. These kinds of features is likely to make your computer improve your speed and with less errors. From the Total AV Assessment we also found that program enables you to remove slow entries that can slow down your PC, as well as being able to get rid of malicious codes which have been hidden deap inside your system. Total, this is a good ant-virus program, however you should take you a chance to find out if you will find any other better solutions open to you.


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Why study in Australia?

Estudiar en Australia

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Australia offers a wide variety of courses for international students at all levels and costs, which allows that your dreams in Australia meet your needs and that you turn your dreams true to prepare abroad and live the Australian experience.

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Studying in Australia offers several advantages to international students:

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Studying in Australia is subject to several conditions, like the following:

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'I Swear I Don't Love the Drama, It Loves Me'

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Written by   78
2 months ago

"I swear I don't love the drama, it loves me. " -End Game, Taylor Swift

We are not living in a utopian world. In our life, there will be always dramas. There will be moments that we'll come across conflicts, quarrels,and fighting even we try our best to avoid these. Our life is full of dramas.

The word 'drama' has a variety of definitions. But in this article, I'm referring to drama as defined by Merriam-Webster Dictionary as a state,  situation, or  series  of  events  involving  interesting or intense conflict of forces. I think based on my interpretation , Taylor is also referring to that in the song.

I'm a person who really want to have inner peace and peace between other people. I want to leave a peaceful life. That's why I don't love the drama.

I'm careful in my words, actions, reactions. I'm trying to avoid being involved in a conflict, quarrel, and fight. But the drama seems love me, it keeps following me even I avoid it.

Drama within the family

Drama finds its way to enter a home. We can't avoid having conflicts, arguments and fight, big or small, between family members and relatives.

I'm a quiet person and I don't talk a lot in our home. Besides, I'm aloof too. With these behaviors, I kept myself away from drama. If I'm not wrong, I'll speak for myself. I can admit that I'm wrong if I am;when I'm not, I'll gonna defend myself. With this attitude, it seems that I'm attracting drama.

I'm always patient and understanding in our house. Most of the time, I always keep my mouth shut even I hear some not-so-good things about me. Yet, I still caught in dramas notably with my grandmother.

Hear me out, but before that let me give you a little background. Unlike my younger siblings who grew up with our grandparents from mother's side, my older brother and sister including me grew up with our parents. Due to circumstances, I moved and currently living with my grandparents. My mother is working in a far province and my older siblings are old enough to live with their own.

Because of the pandemic, I spent all my time indoors, unlike back then that I need to go to school most of the time. With that I have more interaction in home so does the tendency of a drama.

There are moments when I lost my patience and get easily annoyed. I spoke for myself that leads to an argument nd conflict. The recent one was started because of just a simple thing–my own clothes. My own clothes that I washed had been on the clothesline outside for a day and half. My grandmother told me that I should gwt those because they have been hanging for too long outside and already dried in an unpleasant tone. So I told her that those are not dry yet because of the cloudy weather and those would not still be there if they are already dried. In fact, I already collected those dried ones and folded them. She don't like how I spoke, I think. Then she started rapping and cursing me and I'm already shut my mouth to avoid it getting worse.

I respect her because she is my grandmother, older and I'm residing on their house. But it seems I might be disrespectful by speaking up against her.

Drama loves me and follows me not just by involving me but also by happening it around me. Even I'm involved or not, if the drama is still around me, I hate it. Thus,I still avoid myself to be involved in others'drama.

Just like the drama with my older sister and grandmother.To be honest, I don't like having sides and I just want to be in peace. Anyway, I guess they really hated each other since my sister was still younger. To be honest they have almost same attitude so they clashed and besides my sister is really disrespectful, even using a curse words against my grandmother. Now,after years passes and multiple fights, they still have bad blood.

There are more dramas around me within the family because I've experienced living with different relatives but those gonna make this article super lengthy. I just want to say that drama is always around me within the family.

Drama between friends and more

I really value friendship and I don't want to ruin any with a drama. I'm not always directly involved but I'm always in the middle between friends' drama.

When my friends especially those who are in the same circle have conflict, I'm always in between. I don't take any sides and I try be the bridge to their peace.

I don't really like to be in between my friends. There are times that they seem to make you choose between them. I remember when I was in elementary school, my two best friends had a fight and stopped talking. Then there's a time that the other one wants me to accompany him to the canteen while the other is to the comfort room. Of course, I didn't want to choose between so I told them that I was ordered by the teacher to clean something. Gladly, days later, they are back to best friends again.

But not all friendship always turned back to what they used to. Just like what happened between my friends recently. My friends already stopped talking for a certain serious reason. I respect them and I understand each side. I'm still friends with them. But I guess, one side thinks I'm joining a side and back stabbing him/her and to the other side or the other way around.

There are more dramas around me among my friends,big and small.

But also there are dramas around me between schoolmates, classmates, strangers, neighbors and more. But to avoid myself to be involved in a necessary drama, I learned not to care about what other says or think about me. It's a good way to avoid myself being in a conflict or fight.

Drama is everywhere and can happen between anyone.

I want to be peaceful and avoid myself to be involved in a conflicts, quarrels and fights. But there are times that I can't avoid these so I've been experienced to be involved or to be around in a drama with my family, friends, strangers, neighbors, schoolmates and more.

I'm not Taylor Swift but I swear I don't love the drama,it loves me.

You might already know that really love listening to music. I really appreciate a song's lyrical content and I always pay attention to it. Some lines stand out and ignites a new idea. So why not use it as basis of my topic especially when there are times I don't know what to write .

Additionally,it can be my form of music recommendation too. So check the song out.

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I can relate to this article because just like you, I don't want dramas in life, if possible I just want a peaceful life, but then again I always encounter different dramas mostly with my family and with some friends. So I think drama also loves me just like you 😅

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text:
June 2, 2010
nothing says summer like a lemonade stand. and i’ve never seen a cuter little shop than this one that we found on block island. the young proprietress even added fresh mint from her garden.
{side note: as tempting as it is for me to sit here dreaming up what my picture-perfect adult lemonade stand would look like (wooden cart, handkerchiefs, fresh flowers, berries, etc.), i’m resisting the urge. when i was little, my sisters and i had two businesses. well, two that were successful anyway. shockingly, no one bought into our “neighborhood newspaper” scheme, despite the fact that it was printed on legal sized paper on a real copy machine. One  of our businesses was selling cans of soda (and found golf balls) to golfers on the course, and the other was selling bouquets of cut flowers from my mom’s garden to passersby on the street. things were really hopping for a little while, but in both cases adult neighbors joined in on the fun and began their own adult-sized stands that effectively shut down our shops. i swear i’m not still as bitter as i sound, but i do think some things should be left just for kids only…}
what about you? what were your first forays into the business world?

You Might Also Like

  • Reply Melissa Blake June 2, 2010 at 2:20 pm

    I love a tall glass of lemonade in the summer!! xoxo

  • Reply Alli Reilly June 2, 2010 at 2:37 pm

    my parents set us up a roadside vegetable stand every summer morning. they (we) charged neighborly prices, but we still did pretty well. our take… a trip to friendly's at the end of the summer.

    they might owe us some back pay.

  • Reply Rachel June 2, 2010 at 2:50 pm

    Whoa. You were a way more business savvy child than I. I usually tried to run an origami business (selling folded paper cups) but I never branched out much and my parents weren't willing to buy enough cups to sustain it long term. Sad.

  • Reply The Yellow Door Paperie June 2, 2010 at 2:50 pm

    I started a card company in 4th grade. Mary-fairy Card Company sold hand drawn Christmas cards to one very easily persuaded grandmother.

  • Reply Stacey June 2, 2010 at 2:51 pm

    super sweet, indeed

    My sister and I sold art that was taped to the garage door. 🙂

  • Reply Erin June 2, 2010 at 2:54 pm

    ha! keep the stories coming. i love these!

  • Reply jen June 2, 2010 at 3:07 pm

    i remember selling brown lunch sacks full of flower petals and other smelly things like pine needles door to door, in our red radio flyer.
    what fun memories.

  • Reply Janis June 2, 2010 at 3:51 pm

    I went door to door selling bracelets made out of my mother's embroidery thread… very kind neighbors to buy them too. Ten cents!

    Funny to hear that adults would butt in on your thriving flower business!

    hHppy Wednesday :^)

  • Reply D&D June 2, 2010 at 4:45 pm

    i once went door-to-door and asked neighbors to buy raffle tickets to win a box of nutri-grain bars. i kid you not.

    i made about $4 and i was only 8. to be fair, nutri-grain bars were very new to the market then.

  • Reply un hamac June 2, 2010 at 5:05 pm

    really weird about the adults taking over. bummer! and i like your little lemonade-with-mint lady's style.

    we were really into lemonade and kool-aid stands growing up, too. can't wait to find the good ones in our new neighborhood now that i'm a grownup. (i'm a grownup?)

    finally, you've been one busy and inspiring gal. thanks for the sweet note.

  • Reply Denise | Chez Danisse June 2, 2010 at 10:35 pm

    Even mint… I like this stand.

    Catering to the golfers was a smart move. Bad adults! They should have let you be.

    Our big twist was to serve freshly made popcorn along with our lemonade. We had no adult competitors 🙂

  • Reply Char June 3, 2010 at 1:23 am

    i had quite the babysitting business

  • Reply {lovely little things} June 3, 2010 at 4:22 am

    It's been so dreary and un-Spring like around here I'm now dreaming of hot days and lemonade (sigh).

  • Reply Rebecca June 3, 2010 at 10:15 am

    hehe that's so sweet that you sold flowers from your garden! I made cards, bookmarks and other little things. I'd collect the money together and send it to animal charities. I also had a monthly newsletter that I'd send to my penpals, but many of them stopped writing to me as they felt it wasn't personal enough. I don't blame them! I think that was an early version of blogging hehe.

  • Reply Lili June 9, 2010 at 2:18 am

    those photos are so sweet and definitely make me think summer 🙂 I wasn't much of an entrepreneur as a child which is a shame because my mom's got the bug and I just didn't inherit any of it. my mom used to draw paper dolls with a full range of outfits to sell to her classmates!

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Review: From the Corner of the Oval // Beck Dorey-Stein

Review: From the Corner of the Oval // Beck Dorey-Stein

Following graduation from college, Beck Dorey-Stein ends up in Washington, DC, working a number of odd jobs to get by. Finally tired of just getting by and being unsure about what she wants out of life, she responds to a posting for a clerical job on Craigslist. To Beck’s surprise, the Craigslist posting is not for a small-time clerical job, it is a posting for a stenographer in the Oval Office – Obama’s second-term-Oval-Office. Beck is sure she won’t get the job, but to her surprise, an offer for the position follows soon after her interview.

Beck is the ultimate DC outsider, someone who vehemently resisted the uppity vibes DC gave off, but soon, she finds herself as part of the exclusive team that accompanies the president on every trip and outing.

Throughout the book, Beck takes us with her on some memorable events that took place during Obama’s second term, such as the tragedy in Charleston, SC, Sandy Hook, and the Boston Marathon bombing. We experience the tragedies as well as the triumphs, and even what can be seen as the mundane of her learning the ropes of her new job.

Beck makes friends with other White House women, who have also dropped everything to fly around the world on Air Force One. Beck takes us along as she has relationship trouble with her long-term (and long distance) boyfriends, and her fling with a highly regarded White House staffer.

I thoroughly enjoyed the writing of this book, as it felt like Beck was writing in her journal, or having a conversation with us. Plus I’m a sucker for all books relating to DC or politics, so this was right up my alley! Next up I need to read Alyssa Mastromonaco’s book about her time in the Obama’s White House!

Goodreads stars: 4/5 (AKA I truly enjoyed reading it and I highly recommend you add it to your TBR list!)

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Skyward Volume 1 by Joe Henderson – A Review

Skyward Volume 1 by Joe Henderson
Art by Lee Garbett and Antonio Fabela
Comic Books | Sci-Fi
Published by Image Comics
Released September 25, 2018
Purchase: Amazon
Rating: 5_Star_Rating_System_4_stars

I would like to preface this review by mentioning Hoopla, a website that allows you to check out all sorts of books, comics, films and television shows, and audiobooks using your library card. I use it exclusively to read non-Marvel comic books (I use Marvel Unlimited to read those), and I’ve been so impressed by their selection. I noticed this book there and the premise caught my eye.

Skyward is a comic series about Willa Fowler, a woman living on Earth after gravity has gone haywire. In volume one, we don’t learn what caused G-day to happen, just that it was caused in part by her father. We watch as Willa discovers that one of the richest men in the world, Roger Barrow, used to work with her father. She reaches out to him to try to help her father, who has become a recluse. Mr. Barrow isn’t quite what she was expecting, however, and she finds herself trying to save both her and her father’s life instead.

As I mentioned already, I really enjoyed the premise of this series, although I have many questions that I hope will get answered in future issues. Questions such as what happened to large bodies of water when gravity stopped working? How are birds doing with this change? Stuff like that.

The art was beautiful in this series and the coloring perfect. I’ve found that the color palette of a comic book has just as much power as the art itself on setting the tone of the story.

The story was well-paced and I enjoyed the number of panels that focused on the world of the people living “above.” The only gripe I had with Skyward was that some of the side characters seemed very one-dimensional and that Willa was the only one who felt fully fleshed out. Hopefully, that changes with the later issues/volume two.

I definitely recommend Skyward for people looking for a unique new comic series to get hooked on. I’m looking forward to reading volume two.

Author: Penny W

Absolutely bookish.

6 thoughts on “Skyward Volume 1 by Joe Henderson – A Review”

  1. I’ve been using OverDrive for years to borrow my library’s ebooks, but I had no idea about Hoopla and digital comics. Turns out my library supports Hoopla too. This changes everything. Thank you!

    Liked by 1 person

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Wednesday, August 12, 2009

How do they do it?

One of the things about my job that I really like is that I get to do public radio talk shows from time to time. I will never ceased to be amazed at how good the hosts of these programs are.

Kojo NNamdi at WAMU, Tom Clarke at WERN, Larry Mantel and Patt Morrison at KPCC and Kerri Miller at Minnesota Public Radio all ask good questions, and know how to run programs on controversial issues in a civil atmosphere. This is an exceedingly rare combination of talents; I wish they could find there way beyond the left side of the FM dial.

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Interview with Shaaron, 18  May 2020

Shaaron Caratella is our care home specialist advisor to REAL Communication Works.

Originally an RGN nurse in the NHS, she went on to gain a BSc in Nursing Studies, a Diploma in Orthopaedics and an MSc in Health Sciences. Her passion for the good care of older people shines out of her and she has been the Manager of Barchester Queens Court Care Home for 23 years, what she doesn’t know about nursing home care, is hardly worth knowing.

Queens Court locked down early in March and this means that my fortnightly conversation group with residents, which has been going for about a decade, also had to be temporarily suspended. I really miss the lovely residents in my Sarah’s Chats group, but have stayed in touch with them with intermittent postcards from the coast. Reassuringly, one of our group has even taken up occasional correspondence with me!

Last week, Shaaron and I had a phone conversation, as I was keen to hear how she and everyone else is coping. She sounded comparatively cheerful, given the circumstances, which pose so many challenges….

“The staff have been really shell-shocked. We have lost some staff through natural wastage – one of our full-time staff left to work at a different care home early on in the Lockdown. Only the really brave care workers were coming in for about the first month and I was very concerned about the psychological state of the staff – we were all very sad.

‘We had to implement special protocols for infection control from day one’.

And then there are the reports… the endless reports. Everyone wants reports, Public Health England, Merton Council, the CQC, the London Capacity Tracker. Everybody wants it written down, which means a lot of extra work.

The laundry has been really challenging, because nothing can be worn or used more than once without fastidious cleaning, so the washing machines have been very busy and our maintenance man has been living from moment to moment to ensure that everything keeps running. He has never had to work so hard.

Barchester Healthcare has been really good and has really invested in the care staff. They had a strategic plan by mid-March. We do a daily Covid update with all manner of detail, including infection control and deep cleaning, right down to meeting and greeting.

Every Monday, we do a thank you for the care staff that comes straight down from the (Dr) Pete Calveley, ourChief Executive and the reviews have been very useful. There is been a lot of good feelings towards care homes and we have been celebrating the kindness. We are trying to be mutually supportive. There is a huge amount of respect for the staff and a huge amount of responsibility for them, too. But they understand it. They get it. Right from the early days, the staff and residents have been very supportive to each other, even though the first two months were a baptism of fire – it was relentless.

The situation with families has been very challenging. Although they have been able to Skype or phone, the lack of visitors is really a problem in the care area. Of course, their new isolation means that a few of the residents have become quite depressed, but we’re doing our best to keep them connected to their families and to one another. Our good relationship with families has paid off. We are on first name terms with them now in a way that we never were before. There is a huge amount of trust and our team knows that, so we try even harder to be there all the time for our residents.

As far as health matters in the home are concerned, we are proud that the results of Whole Home Testing showed that we are Covid negative. Residents have had some hearing aid issues and some have needed to be seen by the optician – it’s good that our GP visits all dressed in PPE. It’s been very good for the team to use all their skills including hairdressing. Since it’s been warmer, the residents have been socially distancing in the garden and having ice cream and doing a quiz or just taking in the sun.

‘There’s been a lot of kindness and we all laugh and giggle together. Of course, you feel absolutely exhausted at the end of the day, but there’s nothing like a glass of wine to cheer you up’!

Hospitals aren’t discharging residents to some care homes – they are only using contract beds, even in this time of Covid. Of course, hospital staff don’t have time to develop the deeper relationships with the residents the way that we do. Sadly, they can forget – and lack respect for, the great age and needs of these special older people in our small community.

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Real Estate Finance, 22:390:480

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Real Estate Law, 29:851:450

The Real Estate Law course provides an overview of the legal issues which confront the real estate executive from the commencement of a real estate transaction and throughout the relationship between the parties to such transactions. While many traditional real property law concepts will be covered, the course is intended as an introduction to the transactional aspects of the real estate business, including acquisition, disposition, development, investment, management, leasing, tax implications and negotiations. At the conclusion of the course, students will have the ability to function with respect to these matters in many of the various aspects of real estate business.

Real Estate Development, 29:851:432

This course provides an introduction and overview of real estate development of urban places, including the many challenges of the development process such as analyzing market sectors and development opportunities, comprehending the development context of regulation, public policy and politics, raising investment capital, assembling land, program formulation, building types, construction management, marketing, and sales. Examples of development projects will be presented, each focusing on particular aspects of the overall process.

Real Estate Capital Markets, 29:390:476

Real Estate Capital Markets focuses on debt and equity issues in secondary markets that derive their value from real assets. The course includes an overview of the US mortgage finance system, agency and non-agency residential mortgage-backed securities, structured mortgage products such as collateralized mortgage obligations, collateralized debt obligations and stripped securities, commercial mortgage-backed securities, Real Estate Investment Trusts and limited partnerships. Coursework involves basic fixed-income mathematics and cash flow modeling in Excel.

Market Analysis and Valuation in Real Estate, 29:851:430

This course surveys the principles and tools of appraising various types of real estate, as well as an analysis of value, price, property, and legal rights. Topics include principles of valuation; the real estate market; the relationship between real estate values and economic, social, and government trends; economics of urbanization, including location, value, and highest and best use; neighborhood analysis and approaches to cost, market data, and income valuation.


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Call to invest

0800 088 2656

Arrange a Consultation

Purpose-Built Student Accommodation (pbsa) works for so many investors looking for a high supplementary income from a hassle-free fully-managed buy-to-let property. We are going to tell you how it works! Firstly, let’s run through the main facts and summary of why it’s so appealing … then we can delve deeper into how to invest in purpose-built student accommodation.

The UK’s best and highest-yielding property asset class since 2015. In main University towns across the UK, there is still a massive shortage of accommodation for students
Cash-only investment from only £46,000 up to £90,000. Student tenant occupancy is
very high 95% –100% per annum
No Stamp Duty Land Tax (SDLT) on purchases under £150,000 Fully managed by student letting specialists: no looking for tenants, no void-periods, no maintenance or repairs to organise.

Is Student Accommodation a Good Investment?

Best location for student accommodation investment?

Big cities do not always guarantee big yields – in many cases it’s the second-tier locations providing the highest sustainable yields. Location is really important, but why? What should we consider and be mindful of in these UK university towns and cities?

  • A clear under-supply of purpose-built student accommodation verses the number of students in the area.
  • Distance to the university campus or campuses, town centre and transport links – students’ sought-after accommodation with everything on their doorstep – its proven to maintain high occupancy levels and even dictate a premium.
  • Expansion plans of the universities like an additional campus, specialist study centres or renovations of the main building – the master plan to increase student numbers for future years in-take.
  • Re-generation areas in the city or town – this attracts overseas & domestic students, creates perfect job opportunities for undergraduates and better levels of appreciation for investors.
Why is student accommodation sold off-plan?

Investing in an off-plan property is simply as it sounds; you’re buying based on an architects’ floor-plan and the property is yet to be built. Vast majority of purpose-built student accommodation is purchased by the investor during the construction for a number of reasons and benefits. Completed and operational student accommodation is also available.

  • Many off-plan student projects are buyer-funded therefore you will earn interest on the deposit you have paid to the developer for your property normally between 3% – 7% p.a.
  • Pre-launch? This is the perfect time for you to get an early-bird incentive e.g.1% – 2% extra on annual yield or a discount from the purchase price e.g. £2,500 discount on first 50 units sold.
  • Off-plan prices are around 10% lower than market value during construction, therefore by the time the development has completed, the apartment would have increased by 10% and also increased in-line with current market value.
  • First pick of units – with the entire project or phase available this is another reason why investors like to invest early into the development. High floors, units with balconies and penthouses or duplexes are often the first to be snapped up.

Read full blog What are the benefits to buying off plan?

How Purpose-built Student Accommodation projects are funded?

This needs to be broken down into two sections as funds are required to buy the land and cash-flow/funding is needed to build the development.

Read full blog How do developers fund their off-plan property developments?

Buying the Land

The developer will set up an SPV so each development site has its own entity and depending on how the build is funded the developer will ring-fence the monies used exclusively for a development.

Commonly the land is purchased with use of:

  • Profit made from the last completed development
  • A Bridge-Loan (see below)
  • An investor or consortium of investors seeking a return once the project is complete
  • An investor or consortium that will buy the freehold from the developer

Building the Project

Buyer-Funded is where the developer uses client funds for the build. This is not a bad thing and designed to work extremely beneficial for both parties. It’s cheaper for the developer to pay interest to the investor (commonly 3% – 7%) than a bridge-loan or other forms of borrowing.

Bridge-Loan is a short-term loan used either until permanent financing has been obtained or money has been earned from profit eg: completion of a project.

Contractor funded is if a developer works with a large contractor to build-out the project, the contractor may provide funding.

Development Finance companies that specialise in residential and build loans only. There is a range of different types of finance to suit the developer: build to let, commercial; mezzanine.

Peer-to-Peer is another investment model going on behind the scenes. Instead of the buyers funding the build, the developer will borrow from a company who has attracted “lenders” earning a fix term interest paid monthly on the money they lend.

Self-funded – while this may not be the most common way for a developer to finance a development – often there is not enough profit from one development to fund the entire next project – certainly a contribution of developer-funds could get a project off to a great start.

Combination – with a brief overview of the most common developer lending and funding options, it is often the case there will be a combination of two of the above eg: Bridge loan and Buyer-funded.

How does the fixed assured rental income work?

For many UK university cities and towns demand far outweighs supply and therefore purpose-built student accommodation has been able to secure an average occupancy of 99% across the UK (CBRE)

  • The developer will employ the services of an established student management and letting company or have a division within its development group.
  • An achievable annual rental appraisal is worked out – along with realistic service charge and management fees.
  • The appraisal will consider all variables e.g: area, exactly where the development is in relation to the campus and town centre, void-periods, utilities, insurances, service charges, maintenance etc.
  • Based on figures produced by the management company division the developer can offer the investor a fixed assured rental income of X% p.a. for X number of years.
  • Developers are so confident after this process that the assured rental is built into the purchase contract of the property.
  • This will be in place for a minimum duration of the assured rental period and is transferable at resale.
What happens after the fixed assured rental period?

Before your assured rental income period ends, your property management company will contact you about continuing with them in their current capacity:

  • Ensuring your property is tenanted
  • Payment of utility bills and maintenance and repairs
  • Transparent statements and paying your net rental directly into your bank account

Annual rents increase approx 2-3%p.a. During your fixed assured rental period rental rates are gradually increasing year-on-year, so by the time you are out of your assured period, you should be earning more per annum than the fixed assured rental amount.

How Does It Work - FAQs

FAQs about the PBSA Market

In 2015 national intake restrictions were removed completely, meaning higher-education institutions can now accept as many students as they can capacitate.   Impressively the UK is the second most popular location for overseas student which has resulted in record student intake numbers for the last four years.

In March 2016 the government introduced an increase in SDLT on secondary/buy-to-let property purchases which was to partway combat the house-crisis issue, caused by residential property being snapped up by seasoned landlords for buy-to-let purposes. The problem was escalating and the predicted shortage of UK homes was a staggering 1.8m by 2025.

Another reason PBSA helps the housing crisis is having only 24% of students housed in PBSA it leaves the vast majority of students in sub-standard accommodation, house conversions (HMO’s) which are likely in run-down areas and a far distance from the university campuses.

This really is a question at the forefront of an investors mind, the great news is Brexit fears appear to have had no effect on investing in UK PBSA, with levels increasing by 17% this year.

  • The status of a degree from a top university in the UK; such as Manchester University or The University of Liverpool isn’t likely to ever go away.
  • Overseas students come to the UK to perfect their English as much as to earn a degree.
  • The low value of sterling is likely to increase the appeal for students from India and the Middle East
  • According to UCAS for every accepted application for a non-EU student to study in the UK there were 7.9 applications

FAQs about PBSA development

Purpose-built student property types are commonly en-suites and studios and some developments will have a small number of one- and two-bedroom units. They are designed and built to a high standard and specification, with only the student in mind. A safe and secure environment is provided with constructive areas for both studying and socialising. There are standard amenities such as WI-FI, 24-hour security and bike stores and often additional facilities such as; laundry, gymnasium, games room and a cinema room.

A long stop date from the developer’s perspective protects the overall delivery of the project from unforeseen delays caused by issues commonly out of its control. A long stop date is part of the purchase contracts and it gives normally a 12-month time buffer to complete the development, sometimes the long stop can be 18-months or 6 months. In the unfortunate event the developer does miss the completion date and the project falls into the long-stop period, any interest you are earning on deposited funds during the build will continue to be paid to you as normal by the developer.

The developer will provide a 10-year warranty on build. This will be NHBC or similar such as CRL or Zurich.

This is more a risk for the developer and not for the property owner as you are being guaranteed the net rental. However, under this obligation we ensure the developers we work with have a contingency set aside in the event of any assured rental shortfall – this contingency fund is held in a separate account and paid by the developer to the letting company to top-up the net rental payment or in absence of a contingency fund at least access to available funds.

We need to bring it back to the due diligence we do. The student accommodation we put within our portfolio is where the local universities and higher education institutions have a huge under supply and there are expansion plans to increase the numbers of students year on year.

FAQs about PBSA purchasing

We always have a solicitor that we can recommend to you on every project. This solicitor will already be familiar with the project due to the standard 28-day turn-around to Exchange. They have already received a full contracts pack from the seller’s solicitor and have already prepared their Report on Title. The other benefits are: the solicitor fee is pre-negotiated and very reasonable and they specialise in long Leasehold purchase and property management contracts. From our experience we have found traditional conveyance solicitors are barely familiar with long Leasehold contracts – this can cause unnecessary delays and puts you at risk of losing the purchase.

Purpose-built student accommodation is classified as commercial, it is not subject to Stamp Duty below £150,000 – some developments start from under £50,000. Multiple purchases will be considered a combined purchase, so for example if you bought three properties and their combined value was over £150,000, SDLT would be payable. Please see the table below.

There is no set time frame between purchases for HMRC to consider them not combined, it would be at least six months, however if you bought a property and your source of funds was savings, then three months later you inherited a sum of money and invested that into another student purchase over £150,000 this would not be considered combined as the source of funds was completely different.

Purpose-built student accommodation is designed as a long-term, high-income investment; however, the answer is yes. The purchase contracts are fully assignable and you can sell your property the same as any property purchase. It is possible to sell your property during the assured rental term as it will transfer to the new buyer along with the property.

Try to leave enough time, there is no guarantee of a quick resale. We have resold property in the same development within one month of coming on the market and other properties it’s taken up to 6 months or more.

Capital appreciation is not so relevant for purpose-built student accommodation, the resale price will be relevant to the annual yield and will be based on a reasonable annual return that is attractive to the new buyer.

If you want to resell your property you will have a number of channels to go via, either ourselves at REW, any local agent or specialist agent and you could even offer it back to the developer. You will be selling a high-yielding asset that is already proven and running operational for x number of years.

In some instances, the developer will have a built-in buy-back at the end of the assured rental period. This will normally be between 100% – 110% of the purchase price. The buy-back will either be optional for both parties or structured where one or both parties can enforce it.

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Taking Real Responsibility
01 Jul 2014

I REMEMBER HIM SITTING in his latest-model silver Mercedes at the side of the road. He was in a dark suit and his hair was styled perfectly — definitely a handsome man, probably in his thirties. The driver's side window was open and on the road underneath were a number of fresh cigarette buts, an empty burger box and a chip wrapper. He started the engine and drove off. Perhaps he had seen me looking at his mess, but more likely he was just unconsciously going back to work, having finished his lunch break.

A guy like that is part of the system… I understand that. It always amazes me that "system-bods" are so immaculate on the outside and so unconscious on the inside. This seems to be the state of the world at the moment — looking good is all that matters and all that is really promoted. What goes on inside, outside of that which is in service to looking good, is disregarded because it is invisible to our media-defined virtual reality. You expect that from system-bods, but I continue to be surprised when I find it in the alternative community as well. Part of me thinks that alternative people are more conscious, but this is an invalid equivalence.

I went for an early morning walk up a sacred hill near where I live — it was the day after the Summer Solstice, an important event in such an alternative town. Reaching the top I saw plastic bottles and cans littering the area. The solstice had been certainly been honoured by a lot of people… but at the same time trash has been thrown in Mother Earth's face. I know these alternative people because I live amongst them, so I know how much lip-service they give to ecology and respect for Mother Nature. Many would be the first to protest against fracking. But what is the difference between an organisation or government fracking, and an individual throwing rubbish around. Both are unconscious and both are damaging the environment, just not to the same scale as organisations have larger resources. But when it really comes down to it, most of those in the alternative community are just as unconscious as conventional folk.

You see, unless we work on our inner demons, the majority of the human race have a death wish. And whilst alternatively-minded people know that the system is what keeps us all asleep, what is not acknowledged is that most of the alternative systems keep us asleep as well. In fact, any system that advocates change from the outside is a self-defeating system.

From a psychological point of view, this is obvious. Unless we change, our mass psychology will just perpetrate the same dysfunctions, although dressed in different clothing. However, it goes much deeper than this. Consciousness is the ultimate building block of reality — not matter — and so only changes in consciousness are going to build a different reality. Otherwise, outer changes are just cosmetic, as we have seen time and time again in history when the oppressed revolt only to become the new oppressors.

If you want to make a difference to the world, the best thing we can do is to work through our issues. For these issues not only affect our interaction in society, but they collectively create a huge dysfunction in society. Everyone is very happy to point the finger at the Bilderbergs or the NSA, but these organisations are just outer manifestations of our collective dysfunction. Sure the Catholic Church might be considered evil… but if it is appearing in your reality then it has to have something directly to do with YOU… with a component in your consciousness. Seek out that component… heal it. That is our responsibility as human beings in this lifetime.

So the next time you see that revolutionary or anarchist throwing around rubbish or getting plastered, just take it as a reminder that most of the protesters in the world today are just fashion victims, and that underneath is the same dysfunctional Establishment-psychology trying to f*** the world. If you want to be a true revolutionary, it is a lot more involved than going on a few protest marches and wearing a bandana. You actually have to give up all that ego-shit and become a nobody. Now that really is radical… but very few have that sort of perception or courage.


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Business Planning Associate

Ho Chi Minh City   |   Full Time

About the role:

 We are seeking a Business Planning Associate who will be an important part of our Growth Team. An ideal candidate would like to work in a startup environment, strive to go beyond, loves dealing with fast pace, changing needs.

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  • Manage, initiate and provide take-away from user research

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  • Self-motivated, willing to take on and overcome ambiguous challenges.

  • Data-driven. Know how to leverage our dataset to make decisions without getting stuck in analysis paralysis.

  • Excellent organizational and communication skills. Ability to create partnerships & build relationships both inside and outside of the Growth Team.

 Referred Qualifications:

  • Experience in SQL, Python, or similar statistical languages and tools is preferred

  • Bachelor degree from reputable universities, preferably in Economics, Finance or Business Administration

  • Competitive salary
  • 13th month salary
  • Year-end bonus depends on the company's business result
  • Annual salary review
  • Lunch allowance
  • Dynamic working environment and many opportunities to learn and develop

Submit Your Application

You have successfully applied
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Thursday, November 11, 2010

Ufos seen over University of Hawaii at Manoa

Posters comments: UFO on tantalus, observed from 7:43pm to 9:05pm, when the strobing stopped
Rate this posting:

1 comment:

Anonymous said...

UFO on "tantalus" ??
lol. Thats what ya call,
getting in the spirit of things! ?

Keep Reading - Click 'Older Posts' above to read more posts  >>


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CARSON COOMAN (b.1982): Enchanted Tracings (Piano Concerto No. 2) for Piano and Winds, Trombone Concerto "Remembering Tomorrow", Beyond All Knowing, Fanfare for DGF (Robert Kozánek [trombone], Slovak Radio Symphony Orchestra; Kirk Trevor), In What Time Remains for Brass Quintet, Oboe Quartet, Brass Quintet.

Catalogue Number: 04K106

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Description: These works display the aspect of Cooman's output closest to neo-romanticism, with more sumptuous orchestral textures and richness of harmony than has been apparent in works with other preoccupations on previous releases. The tonal elements frequently encountered as a component of the composer's style are especially apparent in sections of the two concerti; the piano concerto is indeed a fairly conventionally structured three-movement specimen, with a lively and virtuosic solo part. In What and Beyond share a mystical atmosphere, developing a sense of inner conflict between warmth of texture and a certain astringency or economy of harmony. Here and elsewhere there are distinct echoes of late Copland and Wuorinen, though Cooman unmistakably has an original voice. Various Slovak artists.

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