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How Are Direct Costs And Variable Costs Different?

Once that payment is gone, you can start putting money into your savings account. As you can see, since the cash method does not attempt to match income with related expenses, the financial results for two or more accounting periods can be distorted. For example, if a business owner schedules a carpet cleaner to clean the carpets in the office, a company using cash basis records the expense when it pays the invoice.

Cash Flow On Steroids: Why Companies Cheat

What are the 2 types of accounting?

The two main accounting methods are cash accounting and accrual accounting. Cash accounting is simple, but it doesn’t work well for complex financial situations.

For example, recreational activities and entertainment aren’t living expenses. That means your gym membership and Netflix subscription should be accounted for elsewhere. You’ll also want to ensure your budget includes any debt repayment, such as for a student loan. The cash method avoids the more complex rules of accounting for income and expenses required under the accrual method. The hybrid method combines the accrual and cash methods of accounting.

How Fixed Expenses Work

Under the accrual method, the business accountant would record the carpet cleaning expense when the company receives the service. Expenses are generally recorded on an accrual basis, ensuring that they match up with the revenues reported in accounting periods. Periodic expenses are a little more challenging to budget for. It sounds like an oxy-moron to have an “expected surprise” but I am sure you have all been there. These are the bills that we have to pay that come in quarterly or semi-annually that we totally forget about.

Long-term liabilities are typically mortgages or loans used to purchase or maintain fixed assets, and are paid off in years instead of months. This Accounting Basics tutorial discusses the five account types in the Chart of Accounts. We define each account type, discuss its unique characteristics, and provide examples.

  • Businesses are free to choose any account title to use in their accounting system.
  • Interest is the last expense a company subtracts to arrive at its taxable income, sometimes called adjusted taxable income.
  • The last section of the income statement involves expenses for interest and tax.
  • Some businesses use Professional Fees as an expense account to record costs incurred in employing the services of outside professionals.
  • Then multiply the total of these costs by the percentage proportion of miles driven for business purposes to arrive at the cost you can deduct under the actual expense method.

The number of years over which a business writes off a capital expense varies based on the type of asset. When he isn’t writing about budgeting, getting out of debt, making extra money, and living a frugal life, you can find him building furniture, fly fishing, or developing websites. He is the co-founder of BeTheBudget, and Chipotle’s most loyal customer. Finally, if you want to reduce the amount you spend on discretionary expenses like recreation, then don’t buy that pair of shoes you don’t really need.

The Difference Between An Operating Expense Vs A Capital Expense

For example, if goods are sold in January, then both the revenues and cost of goods sold related to the sale transaction should be recorded in January. Absorption costing is a managerial accounting cost method of capturing all costs associated with manufacturing a particular product to include in its cost base. The most common examples of fixed costs include lease and rent payments, utilities, insurance, certain salaries, and interest payments.

type of expenses in accounting

COGS is deducted from an entity’s total revenue to find thegross profitfor the year. Expenses that are included in calculating COGS may includedirect labor costs, factoryoverhead, storage, costs of products, and costs of raw materials. In cost accounting, the high-low method is a way of attempting to separate out fixed and variable costs given a limited amount of data. Many budgeting websites will tell you to put at least 10 percent of your income into savings each month. But if you have too many fixed expenses to do so, you may need to focus on cutting down at least one fixed expense for a while.

type of expenses in accounting

However, variable costs do not need to be directly related to the product. Shipping or delivery type of expenses in accounting costs are often variable costs directly tied to the volume of sales and production.

Is an expense an asset?

In accounting, expense has a very specific meaning. It is an outflow of cash or other valuable assets from a person or company to another person or company. Technically, an expense is an event in which an asset is used up or a liability is incurred. In terms of the accounting equation, expenses reduce owners’ equity.

For example, you would spend more money producing 200 toys as opposed to 100 toys. Direct costs are business expenses that can be directly applied to producing a specific cost object, like a good or service.

The final golden rule of accounting deals with nominal accounts. A nominal account is an account that you close at the type of expenses in accounting end of each accounting period. Temporary or nominal accounts include revenue, expense, and gain and loss accounts.

Understanding Expenses

For example, my trash gets picked up every Thursday morning but it isn’t until the quarterly statement arrives in the mail that I remember we have to pay for trash pick-up. The bill amount has not changed in three years but I still sometimes forget to put it in my budget.

On the other hand, if it produces one million mugs, its fixed cost remains the same. The variable costs change from zero to $2 million in this example. Unlike variable costs, a company’s fixed costs do not vary with the type of expenses in accounting volume of production. Fixed costs remain the same regardless of whether goods or services are produced or not. While there are likely other recurring costs in your life, they might not be considered as a living expense.

Depreciation, depletion, and amortization (DD&A) is an accounting technique associated with new oil and natural gas reserves. The IRS type of expenses in accounting has a schedule that dictates the portion of a capital asset a business may write off each year until the entire expense is claimed.

If the mortgage is paid off early, you may deduct the full amount of the remaining points. You operate a pool cleaning service in Phoenix, Arizona – Crystal Clear Pools. During December 2017 you perform pool cleaning services for two clients and bill them $250 each. You must include the $500 ($250 x 2) in your 2018 gross receipts on Schedule C. Intangible assets are things that represent money or value; things such as Accounts Receivables, patents, contracts, and certificates of deposit .

type of expenses in accounting

And if you don’t claim deductions for certain direct expenses and indirect expenses, you could be missing out on a tax deduction. Because indirect costs cannot be applied to a specific item, they generally do not change as a result of production volume. They can be considered fixed costs, which means the expense does not change in the short term.

Understanding direct costs can help you determine your product or service pricing. Because they are variable costs, you want to make sure that customers pay you more than type of expenses in accounting what you paid to produce your products or offer your services. Variable costs are costs that change based on how many items are produced or how many services offered.

Let’s discuss the main differences between the two types of expenses. Direct costs and variable costs are similar in nature and are both types of costs involved in production. Direct costs are expenses that can be directly traced to a product, while variable costs vary with the level of production output. Indirect costs are subtracted from gross profit to identify operating profit. Indirect costs typically include things like executive compensation, general expenses, depreciation, and marketing costs.

Expense accounts are also privately regulated by internal auditors for many employers, often to ensure funds are handled appropriately. We now offer 10 Certificates of Achievement for Introductory Accounting and Bookkeeping. Joe has also met with an attorney to discuss the form of business he should use. Given his specific situation, they concluded that a corporation will be best. Joe decides that the name for his corporation will be Direct Delivery, Inc.

Subtracting indirect costs from gross profit results in operating profit which is also known as earnings before interest and tax. The value ofinventoryon-hand at the beginning and the end of each tax year is used in determining the cost of goods sold which is a large direct expense for many companies.

By | 2021-01-08T03:56:54+09:00 9월 8th, 2020|Bookkeeping|


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Acid Medical releases “Nothing Below” by God

Nothing Below is a new release created by God of Acid Medical (as in – on the roster of the label) that was directed toward their “pure anger towards the ‘Tumblr Mindset.'” It’s a thirteen-minute single-track release that merges vaporgoth with ECCOJAMS music. God has supplied YouTube videos of all of the samples used in the album, so you can follow along if you so desire. Nothing Below is available as a pay-what-you-want digital download.

Check it out below:

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GIANT List – Free Samples, Free Money, Free Deals, Free Toys, Free Makeup + More!

Hey all! Weekends are when I clean out my inbox. Which means, it’s when I find all kinds of cool stuff! So, I’ve put together a big round up of free samples, ways to get free cash, deals that give you free gifts or practically free product, and more cool free stuff. Because – Free is my Favorite Flavor. ;) Lol. Be sure to share this around with anyone you think will love it too – you can retweet the post by clicking here:

Or going to Facebook to reshare my post to your own page. Hope you enjoy! And if you’ve found any really cool freebies this week yourself, be sure to share them on my Facebook post, or add them to the comments here, so the rest of us can get ’em too! Thanks, all.

Free samples

  1. Click here to fill out a quick form, and get a freebie sample set from Olay – 3 samples of the new Whips face care products. If you love Olay Whips already – order your fave here on the Olay site, then get a FREE GIFT too: FREEMASK or FREEMIST, gets you a free product valued of $13 bucks. Sweet. :)
  2. Sign up and receive FREE Trial of Contact Lenses from WALDO just pay shipping and handling, $2.95.
  3. Join Sampler – you take just a couple of minutes to answer a few questions about your household – if you have kids, if you drink coffee, etc. And then it will tell you which samples are available, specifically for you. Mine had some fancy pants spices – I got to choose which flavors – and a kids snack bar. I’ve heard good things, it’s legit. And after you’re there awhile, you’ll get more offers!
  4. Get a free sample of the new Whole Blends Honey Treasures hair mask treatment from Garnier.
  5. Sign up at Yellow Circles to get a free starter kit, tshirt, stickers, buttons.
  6. Free Tshirt – it’ll be a white tee, size large, with a hardware logo on it. But it’s totally free, grab it here.
  7. Get a free sample of Powerizer Complete All-Purpose Detergent & Cleaner, just fill out a quick survey form.
  8. Sign up at PinchME to get a free sample of Sugru moldable glue – a really cool product, I’ve had a couple of samples of it before. Clever stuff.
  9. Free water bottle from Mucinex. If you’re a member, log in to see if you have the freebie offer available to you! If you’re not a member, do the quick sign up and then keep an eye out for missions to get cool free coupons, deals, and samples.
  10. Free SkinCeuticals personalized sample. Fill in the information below and receive a complimentary serum sample – based on your skin concern.
  11. Same brand, different sample: Request your Complimentary Sample of Discoloration Defense Daily, dark spot corrector targets visible skin discoloration for brighter, more even-looking skin.
  12. BREYLEE free samples – get a trial of their Acne Treatment Serum, and possibly other products from time to time – just fill out the form with your info.
  13. If you, or someone you love, lives with epilepsy – join the Epilepsy Foundation Kids Crew! It has a goal of educating people about epilepsy, and rewarding kids for being involved in activities, local walks, and more. Sign up and get a free starter kit. (Abby doesn’t have epilepsy, but she was diagnosed with a seizure disorder when she was little, which was SO scary. Here’s the post after her first seizure – it ended up NOT being febrile, and we had a scary ride for a couple of years. Definitely puts a soft spot in my heart for parents dealing with this!)
  14. Get a free sample pack of Kiehl’s Skincare products! Complete the form on the page and AFTER you submit it they will confirm your free samples of the Kiehl’s customer favorites skincare routine.
  15. Free sample of Makeup Eraser – scroll down their site. You’ll see the boxes to request a sample. You have to follow them on Instagram, and then you’ll get a small, trial size of their makeup eraser cloth – which I’ve heard cool stuff about. This will be a small piece, not a full size, and shipping is totally free, no credit card, just make sure to UNclick the box at checkout that says .98 cents for shipping protection, ;)
  16. Fill out the form with your info, and get a free sample of the new Garnier Sheet Masks, you do have to sign up for their newsletter though.
  17. Join ALLURE Magazine’s Beauty Enthusiast panel – sign up, and watch for opportunities to get free samples, try free products in home and share feedback, etc.
  18. Request a free Poise sample kit! Currently, they only have the Light Leaks pack available to order. But you get three products, all free – as long as you haven’t ordered a kit from them recently. There are also coupons available to print too – look for the tab up top.
  19. Free Simple Green brand cleaning products – sign up at Viewpoints, enter your info, and request to get the new line of products to sample at home, and fill out a feedback form afterwards, letting them know what you thought of them.
  20. Fill out a form to request a free sample of Dabur Vatika Coconut Hair Oil! There’s a box that says “Pin Code” which I think is supposed to mean PO Box. :)
  21. Get a free ring sizer from Brilliant Earth – who, by the way, have absolutely STUNNING rings, if anyone is like, shopping for my birthday coming up or anything. ;)
  22. Get a free sample of Amazing Grass Amazing Protein Glow in Chocolate Rose flavor!

How to Earn Free Cash

Free Cash

  1. Join Ebates – OMG, my fave way to earn easy money. I do most of my shopping online – and sometimes I’ll specifically buy bigger ticket items I’ve looked at locally from their website, then pick up in store, just to earn the big bonus cash back from Ebates, ;) Join for free and get a $10 gift card after your first purchase of $25 or more.
  2. Here’s a big list of Class Action Settlements: If any apply to you – products you’ve bought, services you’ve used, etc – fill out the forms, and they’ll send you out a refund check or PayPal payment. They usually take awhile to send the payments – and sometimes it’s only a couple of bucks. But I submit a claim for every one that I qualify for, and have gotten some checks for $50+ before. Easy peasy.
  3. Get $20 free, that you can cash out as PayPal, Amazon gift card, etc – from Ibotta! Stop throwing away your receipts after grocery shopping – scan them here, and they give you no-strings free cash back on tons of purchases. It’s quick and easy, and I earn every.single.time I shop. One of my all-time fave frugal living apps, ever.
  4. Sign up and create an account at YouGov – earn free gift cards to places like Amazon, Nike, Target, Lowes – or even cash! You get invites to fill out surveys, and earn points for giving feedback and opinions on things like your shopping habits, feelings about new ads, and thoughts on politics and current events. If you keep an eye out in news articles, you’ll sometimes see statistics pulled from YouGov surveys, so the opinions you give matter!

How to Get Free Makeup Deals

Free Deals

  1. Free burgers! Yep, this post has a list of 15 different restaurants that have different ways to reward you with totally FREE hamburgers!
  2. Free bowling all summer! We have done this every year, for awhile now? Love it! Go to, choose your state, then choose which participating bowling area in your city you want free passes to. You can sign up all of your kids under 15 — Kids Bowl Free allows your family to bowl 2 Games FREE everyday, all summer. Plus, there’s a family pass option where parents, grandparents, older children that don’t qualify for the Kids Bowl Free passes and babysitters can join in the fun and get the same great 2 FREE Game offer every day too. When you register please enter my email address so our family is entered to win some great prizes including Gas Cards, Gift Cards, Weekend Hotel Trips, Restaurant Gift Cards and many more! (You’ll get the same thing after signing up, a referral link to share to earn prizes too.) Totally legit, we have two options here in little ol’ Yakima, so I’m betting you’ll have participating bowling alleys too!
  3. I didn’t try this one myself, because it didn’t seem to apply to me? But, you can get a free $10 Starbucks gift card, by filling out a survey about your role at work, and connecting using LinkedIn.
  4. Knowing your credit score is super important, and making sure the info that’s on your credit report is crazy-important – errors need to be appealed and fixed, asap! You can that info here – Sign up to get your FREE credit score sent to you monthly, and personalized savings advice, from Credit Sesame. They never require a credit card, totally legit.
  5. Until 4/7 on Hollar you can get freebies – Buy One, Get One FREE on all qualifying Easter items! Use code BUNNYBOGO We do a big Easter egg hunt + dinner at my house, the day before Easter, every year. And I like to have lots of goodies for Easter baskets and prizes, so this was an awesome way for me to stock up. {I bought 12 pairs of different colored bunny ears, that I’ll force all of the kiddos – even the super cool teens, lol – to wear for a family photo. Love it!}
  6. FREE MAKEUP! Ok, this isn’t technically “free,” – but practically. I’ve signed up for BoxyCharm in January – and am freaking amazed at the amount of value they pack into their pretty packages! All the products are full sized, high end, and they do a fab job of choosing the right stuff for me based on my profile questions. Then, once you are a member, you can get on the Waitlist for BoxyLuxe, which ships 4 times a year. You can see what that box looks like here: BoxyLuxe Uh-MAY-Zing First Shipment on Instagram. Just ONE product, the IT Cosmetics Confidence in a Cream (you know how much I love IT Cosmetics, since being introduced during the Mom Makeover), would’ve been the price I paid for the ENTIRE box – so it’s like getting all of the other palettes, brushes, polishes, and pretties for free! Every month is $20 bucks, at at least one item alone is worth that, every time. I’m blown away by these guys.
  7. Free $10 on FabFitFun: I kept seeing posts about it, freaking everywhere. So, I finally signed up for FabFitFun – it was the cute little floral robe that was a choice in the Spring Subscription Box that sold me, actually. That alone was worth the price I paid for the box. If you’ve been eyeing it too – the Summer Box will be shipping soon! Boxes of are full of fabulous goodies in beauty, wellness, fashion, and fitness – you indicate which of those you like best, when you fill out the sign-up profile. I thought they did a rad job of picking things perfect for me, based off of what I told them, and seeing what was available in other’s boxes (from spying on Instagram, ha) — I’m giving you $10 to spend. You can thank me later :)
  8. Free $20 Simply Earth Gift Card with Essential Oil Subscription Box – you can see what these look like in my Simply Earth subscription box post here on Instagram – I’m “simply” in love. (See what I did there? Lol.) I was super interested in essential oils, but had no clue where to start. This sends you a themed package each month – like beauty, with oils, pigments, and containers to create DIY products, or wellness like I got last month, that was perfect for me! Using my link and coupon code MEGSSUNSHINEFREE you get the bonus free $20 gift card + the BIG BONUS BOX you’ll see in my post too. You’ll love it!

How to Get Free Money and Free Stuff Online - Totally Legit, great tips from a real mom!

Other Cool Free Stuff

  1. Apply to be a Step2 Toy Tester!! This is really cool, and I know a few people who have been picked for this in previous years. You sign up – and must have at least one kiddo under the age of 5 in your home, which excludes me, sad panda face. :( But if you have little ones – you then get to choose your favorite option from the ones available, that you’d like to test at home. And these are big toys, like the Rain Showers and Unicorn water play table set that I’ve been eyeing for out by the pool this summer!! If you get picked, be sure to tag me when you share about what you got to test out, so I can see!! :)
  2. Check out the FREE workshops available at your local Home Depot! I’ve helped host a couple of the Do It Herself events here at my local store, and Abby is a HUGE fan of the Kid’s Workshops – we still have the bird house she built at one, when she was 4 years old, hanging outside. :)
  3. Join Moms Meet – they focus on healthy, clean, green, eco-friendly products that fit perfectly into the mom life. I’ve worked with them for YEARS, love them. They have opportunities to test products for free, and sometimes earn free gift cards too – for regular moms, for social media influencers, for bloggers, for hosting home parties, etc.
  4. Apply to host a free Little Tikes World’s Biggest Playdate House Party! Those selected will receive a free party pack with gift cards, toys, party supplies, and more.

Be sure to share this using the easy peasy share tools below! And sign up for my email newsletters – in the upper right corner! – to get these weekly updates straight to your own inbox! Thanks for ready, y’all. :)

HUGE Weekly List of Freebies and Samples!

Heeey guys. I’m going to try to start doing these posts once a week. With a roundup of all of the cool deals, free samples, free money, cool giveaways, etc that I find from around the web. Some of these include referral or affiliate links – meaning I get credit if you sign up – but not all of them. And I’d recommend all of these either way, :) You know how much I love free stuff, right? Enjoy, and be sure to share with friends who might appreciate this too!

How to Earn Free Cash

Here’s an absolute fave of mine at the moment – Ibotta. You get the app. After you shop, you scan your receipts. And it adds up free cash for you, that you can cash out as PayPal payments, or a ton of different gift cards. I use mine for Amazon credit. :) Like, you are going to buy groceries anyway. And gas. And book travel. And buy liquor…. yep, you can even get cash back for having cocktails! — so, why not get FREE cash back on those purchases? Seriously so easy, I’m always making people sign up, and no one has ever regretted it, for reals. Check it out here to get your bonus welcome freebie!

More Free Stuff:

  1. Sign up and tell them why you’re blessed – and they’ll send you a free “I’m Blessed” t-shirt!
  2. Free Sample of Ziploc sandwich bags in either Frozen or Star Wars design. Sign up as a new member at DigiTry if you’re not a member yet.
  3. Choose your favorite scent, and then request free samples from Jewelry in Candles.
  4. Get another fun scented freebie – request a sample from Pink Zebra.
  5. Apply to be a Toy Tester for Our Generation dolls – and possibly get your own doll and accessories! Just fill out the form, and they’ll be in touch via email.
  6. Check out this Crazy Coupon Lady post {her site is always filled with good stuff!} to learn how to get a totally free 3-pack of Clorox Cleaning and Disinfecting Wipes at Walmart.
  7. Get a free sample of Mocha Cafe Charcoal coffee.
  8. Join Ebates and get $10 cash free bonus – all you do is use it to shop online, and they’ll give you the best coupon codes available, PLUS give you free cash back on your purchase. This is one of my ALL TIME fave tools, and if you shop online without some type of cash back site, you are missing out on totally free money!!
  9. Free Chanel product samples on their Facebook page.
  10. Join the Budweiser Rewards program, to have chances to win big in their sweepstakes, earn free gear like t-shirts and stickers, and more!
  11. Set up an account for free at Influenster – then you have TONS of chances to sample free beauty products! They also do bunches of giveaways too. And they have really good stuff. If you search on Instagram you’ll see so many cool things that people get there.
  12. Get an Atkins Free Quick Start Kit and coupons.
  13. Get a FREE $10 credit to spend at ThreadUp – and be sure to request a bag, if you’re doing the Kon-Mari stuff, and send it all of your unwanted clothing to earn even MORE credit to spend!!
  14. Did you know that you can get a discounted rate on Amazon Prime if you are on Medicaid or are an EBT card holder? Check it out and sign up for the free trial, and then get Prime – which includes loads of movies, free shipping, exclusive discounts, and more! – for only $5.99 a month after the trial ends.
  15. Apply to test out a free personal safety device – you’ll have to create a profile if you’re not a member, which takes a few extra minutes.
  16. Free Avon ANEW Clinical Eye Lift Pro sample – just fill out a quick form.
  17. Join Blue Apron with this link, and it’ll give you a coupon to save $50 off your first two boxes!! Awesome deal on recipe delivery.
  18. Sign up at, fill out a quick profile, and they may send you a big box of freebies! It took me awhile to get my first one, and I’ve only qualified for a few since then – but they’re totally awesome when you get them.
  19. Free admission to national parks for all 4th graders – learn more and sign up.
  20. Get a free 7-day trial to Brittanica Kids – great for helping with homework and research projects, homeschooling, and more.
  21. Request a free skincare sample from Te Mana Tahiti.
  22. Home Tester Club has some new freebies available, like toothpaste sets.
  23. Free $2 in credit when you sign up at Hollar! That doesn’t sound like a lot, until you see how amazingly CHEAP everything is there! Their shipping is super fast, not like a lot of the places where you can find really cheap stuff, but it takes eleventy hundred years to ship from overseas, lol. I’m so addicted to this site it’s not even funny.
  24. Get a free Kids Spring Crafts ebook with tons of simple, creative craft projects for kids.
  25. Get a free sample of Herbalife Lift Off product – an energy, wellness product.
  26. Free Folgers 1850 coffee sample, from PinchMe.
  27. Sign up at Pillsbury – General Mills – to get free samples. I get random stuff from them throughout the year by being on the mailing and email list – free calendar, free samples, free coupons, cool stuff.
  28. Enter to WIN a movie swag bag prize package from me – for A Dog’s Way Home film.
  29. If you regularly buy Disney movies, or go to see movies in the theater a lot – join the Disney Movie Rewards site. You enter those codes that are in all of your Disney DVD boxes, which add up to get you free stuff. There are also bonus points sometimes for seeing a movie in theater, or other activities. Also check out the Disney Premiere Pack, if you’re a big Disney lover.
  30. Join PinchMe for free sample boxes packed with cool stuff.
  31. Get $10 off your purchase at ULTA, by signing up at Top Cash Back, plus earn free cash back on all of your purchases.
  32. Get a totally free copy of your credit report, and other info, from Credit Sesame. I use this every year.
  33. Get a free one-month subscription to Rocksbox, a gorgeous accessory box you get monthly – with code SHOPROCKSXOXO.
  34. Sign up at Tryazon – Then apply to host a party and get a big box of free goodies to share with guests! Right now there’s a Frey Chocolate party available to apply for.
  35. Free Walmart Beauty Box – just pay $5 shipping. You sign up with your credit card info, and 4 times a year they’ll ship you out a box of beauty products for just $5. It is SO worth it. I’ve shared pics of mine on my Instagram in the past – always definitely have a value of way over $5 bucks, and have coupons inside too. Love these. Also – check out Boxycharm: An amazing deal on beauty products, if you have ever seen people post their boxes on Insta, you know how awesome of a value these are! Just $21 a month, get over $100 in product, all full size. SO cool.

Whew! That was a lot of good stuff. Hope you enjoy! Be sure to follow me on social for more tips and cool stuff:

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Get Rewarded for Being an Opinionated Momma!

This is a sponsored post. I received a promotional item as a thank you for participating.

Are you an opinionated mom?

Wait…. aren’t ALL moms pretty opinionated? I think it comes with the territory, right? We’ve seen stuff. We KNOW stuff. And, in the chaos of the constant daily juggling of home and groceries and meals and sports and carpool and homework and social life and personal life…. Well, we have to handle a lot of stuff, we make a lot of decisions, and that gives us a LOT of info to give as feedback to the brands who make the sites, stores, services, products, and prices that we deal with in each of those chaotic days.

Share your opinions and get free stuff!

Have you ever wished that you could share an idea or opinion directly with a company you love to create positive change? Like, a favorite flavor that you totally wish your favorite yogurt maker would start offering? A new style of packaging that would make hauling snacks to after-school sports and activities a million times simpler and cleaner? Well – now is your chance to share those opinions, AND get rewarded for all of your smarty pants thoughts! Winning, right? [Read more…]

The Secret to Getting Kids Clothes Cheap or even Free

You guys know how much I love to shop for my little fashionista…. But as a working mom on a tight budget, I have to seriously search for the best bargains possible. I don’t buy much for my own closet these days, since she’s a growing toddler, and it seems like every morning she’s outgrown half of her clothes again. But, I do have a few fave go-to places that I shop for her, where I always find crazy-discounted gear, that’s cute enough that I’d wear it in my size too – Like the amazing sale dress I found yesterday. I’m dying to find one like that in my size! Anyway… I’m in the process of snapping up summer clearance clothes in bigger sizes to hold for next year, and early sales on fall and winter clothes that we’ll be needing before you know it. I just had an super sweet shopping spree full of amazing deals this morning, so I thought I’d share these tips and finds for you mommas out there who are in need of some serious saving too…

best girls fashions for fall under $20

Best Fall Fashion for Girls – All Under $20

Yes – these are all girls picks – because that’s what I was shopping for today. But here’s the deal – No matter what you’re looking for, it’s super simple to find the lowest priced items on Cookies Kids. There is an amazing drop down menu where you can choose any category: infant, toddler boy or girl, bigger kids sizes, accessories, shoes, and even fun bedroom accessories and toys. Then you break it down further – coats, dresses, sweaters, jean and top sets, skirt and top sets – you get the idea. Then it’s time for my FAVORITE features – choose your sizes, and then click to have it sort the pages by price, lowest to highest. That way if you’re looking for gear under $10 bucks, which is what I do, you can scroll through everything in that prices range. Awesomesauce. To give you an idea of the sweet prices, here are the prices for the picks in this pic, that I ordered today:

  • Coat Set: This fun red coat is only $16.99 – and it comes with the snuggly printed scarf and hat totally free! This coat is a toddler girl size, as are all of these items – and is also available in black.
  • Izzy Bella: This dress, called the “Vivian,” is an uh-MAY-zing steal at only $3.99! Yes, it’s more of a summer dress – but I LOVE stocking up on their pretty summer sundresses at these prices… Just throw a cute sweater over it and add some tights, and it works great for fall or holiday parties.
  • Sweater: Speaking of sweaters, this little sweater – the Dream Star Cardigan – makes a perfect layer over those fun summer dresses. And, it’s only $8.99 – from an original price of $34 bucks at department stores! When you get your Cookies Kids order, you’ll see the original brand price tags still attached, and then the super duper discounted Cookies Kids tags. The last time I shopped, I added up the original tags on all of my items – $227 bucks. What did I pay? $54. Whaaaat? Seriously.
  • Penelope Mack: I absolutely adore Penelope Mack dresses – such great prints, really nice fabrics, and perfect details. I actually already ordered this same dress a couple months ago, along with a few other Penelope Macks, but ordered another in a larger size for next summer too. I mean – it’s only $6.99, why not??
  • Tandino: I love, love, love this coat. Another of those pieces that I wish was in my size. {Heck, I’d love the Penelope Mack dress and that cute pink sweater too….} It’s a nice dressy wool pea coat – with a hood, which is important to me in the winter to keep Abby warm. This is perfect for church or holiday parties. And – it’s only $17 bucks!
  • Sugah & Honey: This cute dress will work perfectly into fall with a long sleeve tee and leggings underneath. And again, it’s a totally sweet deal – another dress for only $3.99! You can’t even buy a value meal at McDonalds for $3.99 these day, know what I mean? Love it.

BAM!! You just got hit with a page full of amazing deals, ladies. I love kids clothes that are good quality, and have more of a high-end look, but at affordable prices for a real mom’s budget. So – my whole order, 2 coats, hat and scarf set, 3 dresses, and an adorable layering sweater – Less than $60. That’s like $8 bucks per piece. And – they have $5 flat rate shipping, every day, on everything.

Another bonus…. Share Cookies Kids with your friends, and get $10 credit for each friend who shops!

Ok ladies – You know it’s true… When you find an amazingly good deal, you love to share it with your girl friends, right? So why not earn a little credit for being such a super shopper? If you’re skilled at finding those sweet savings, you’re friends will love you for sharing, and you’ll love shopping for free with your credits. Total win-win. You can also earn rewards similar to this at Zulily {$20 credit}, Totsy {$10 credit}, Moolala {earn a percent of all shares}, Plum District {$5 credit} and Labor Day coupon code}, Sharing Spree {$10 credit} – and tons more. Just grab the link they’ll give you, and email your best girlfriends and family, or share it right to Facebook to tell ’em what you’ve found. Easy peasy, and filled with awesome for everyone involved!

I’m inviting you to Treats, a rewards program from Since I am Treating you, if you buy, we both automatically get $10 to spend at Even better – join their newsletter for a chance to win an iPad!

Friends don’t let friends pay full price…

{This is not a sponsored post – I had an amazing shopping haul this morning, and wanted to share my tips with you ladies. We’re all on a budget, and can all use a little help, right? Post may include affiliate links. Graphic is my own creation from Cookies Kids product photos. Thanks for reading – You all rock.}


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Gary Moore – Cold Day In Hell

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Gary Moore Cold Day In Hell TabAs far as scorching blues guitar playing is concerned, everyone needs Moore. Gary’s seriously rock vibrato and consummate blues phrasing will take a fair amount of technique to master. Having gone through many years as a rock player, Gary employs a take-no-prisoners approach to both tone and attack – so be prepared to give your guitar a fairly rough ride while studying this piece! Gary has gone through some changes in the kind of equipment he chooses over the years and so we can’t be absolutely sure which gear he chose for these sessions. We can guess, of course, and ears tell me that the original track sounds like a Les Paul/Marshall Bluesbreaker combination.

In an interview he said that he played through the clean channel of a Soldano amp, using an old Marshall Guv’nor pedal for overdrive. But I’m pretty confident that you can get somewhere in the right area with a humbucker-loaded guitar and an amp with some extra balls.

One thing that becomes immediately apparent when you listen to this track is Gary’s rather extreme vibrato technique. This might be a hangover from his rock period, too: it’s very deep and fast, which is perhaps slightly uncharacteristic for a blueser, but there you have it. The only way to master this kind of heavy vibrato is to sit and practise it methodically. Try a few practice bends and push the vibrato to extremes. After a while it will start to feel a bit more natural, but it will probably take a while to get completely up and running. Be patient!

Another couple of techniques to watch out for during the solo are a spot of palm muting and the pinched harmonics that almost immediately follow it. These definitely betray Mr Moore as an ex-rocker!

Cold Day In Hell. Scaling the fretboard

Scale-wise, we’re in the very familiar blues pentatonic area throughout – one that you should be familiar with in all positions. It’s always worth taking a few runs at random from a transcription like this and seeing exactly what a player does with an apparently limited series of notes. What you hear is style and phrasing – both of which have to be learned along with the very basic ideas about which notes are being played where.

If we take a look at what’s going on with Gary’s right hand, you can probably hear that his pick attack is relatively ‘heavy’. This adds to the overall aggressive feel of’ Cold Day In Hell’ significantly and can be achieved by using a heavy pick and considerable welly. It’s always a good idea to hear how your guitar responds to different levels of pick attack – and it’s a simple enough experiment. All you have to do is fret a note and see how much of a dynamic range you can muster. Start off picking as softly as possible and then bring it up in stages to see how much energy you can put into the string. You’ll find that it has quite a dramatic effect on your tone.

Lead Guitar:

Cold Day In Hell Sound Adivce Lead Guitar

Rhythm Guitar:

Cold Day In Hell Sound Advice Rhythm Guitar

Gary Moore Cold Day In Hell Guitar Tab

It’s just a part of Gary Moore Cold Day In Hell guitar tab and music sheet.

Through the link below you can download a full transcription of

Gary Moore Cold Day In Hell with backing track

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Servant Wife

January 11, 2014 9:18 pm by

Don’t let that title scare you … I’m going to make it better than it sounds.

Whether you’re a full-time working wife or stay-at-home “working” wife and maybe even mother, no matter how busy or relaxed your life is, we are all called to serve our husbands.  And completely taking this out of the spiritual realm, it’s still something we are called to do.   In most cultures and religions the wife is to be a servant of her husband, but this is something I see way too little of these days.

What would happen if you woke up one morning and asked your husband, “How may I serve you today?”

Would his jaw drop to the floor?   Would he laugh and say – “are you kidding, or what do you want”?  Or would he say, honey, just doing what you do everyday is a blessing.  Well … I’m sure we’d all hope for the last one, but  if serving your husband isn’t at the top of your priority list, I challenge you to try it and see what happens.

In 2014, I’m making it a top priority to serve others.  In my household imparticularly I want to serve my husband.  I always have, but on a larger scale.  If as wives, we would serve our husbands on a daily basis, and have our priorities aligned properly, our lives would be much happier to live.

Sometimes, if not all times, you must drop your pride and ego to serve others.  Sometimes it can be a very small thing.  Giving someone your seat in a crowded waiting area, holding the door open for someone or picking up something that someone has dropped.  I like to greet my husband when he gets home from work with something to drink or put his towel in the dryer while he’s in the shower and bring it to him nice and hot when he gets out.  Doing these small things can make a huge impact on your relationships and by doing these things for strangers can impact their lives too.  Being a Servant can mean many different things to different people but for me, it’s what I want the rest of my life to be about.

I stand on the truth of 2 Cor. 9:6, Luke 6:38 and Gal 6:7 … we will reap what we sow!!  Plus, it just feels good to put others first and be a servant.

So I challenge you this … in the morning when you wake up … ask your husband, How may I serve you today?  And see how things begin to change.  :)

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Personal Planning

Tax Planning Will $3,300 – couple $1,900 – individual
Non-Tax Planning Will $1,900 – couple $1,100 – individual
Revocable Trust $4,500 – couple $2,600 – individual
Life Insurance Trust, Gifting Trust, Generation-Skipping Transfer Trust or Dynasty Trust $ 3,900
Split Interest Trust (e.g., Charitable Remainder Trust, Grantor Retained Annuity Trust or Qualified Personal Residence Trust) $ 5,900
Intentionally Defective Grantor Trust $ 4,800
Domestic Asset Protection Trust $10,000
Family Trust Company $ 2,500
Installment Sale $ 4,800
Prenuptial or Postnuptial Agreement $ 5,400

Business Planning

Limited Liability Company $ 1,950 / $8,500
Limited Partnership $ 8,500
Buy/Sell Agreement $ 5,400

Estate Administration Fee Schedule

Includes all probate matters and estate tax filings. Final fees based upon value of gross estate of the decedent or, if different from below, a written fee agreement.

2.00% of the first $ 500,000
0.50% of the next $ 1,000,000
0.65% of the next $ 3,500,000
0.35% of all over $ 5,000,000

All other matters will be billed at the following hourly rates or statutory rates, as applicable, unless agreed otherwise:

  • Thomas B. Reynolds $ 540/hr.
  • Paralegal $ 165/hr.
  • Administrative Staff $ 85/hr.

Expedited matters: A twenty percent (20%) surcharge shall apply to expedited matters.

One-half (1/2) of the projected fee is due upon engagement and the balance is due upon first drafts of documents.

Bills will issue periodically and are due upon receipt. Late payment will result in additional fees.

*The ultimate bill may be greater if a matter is extraordinarily complicated and requires significantly more time than is typical, though such an occurrence is unusual and notice would be given to the client.


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 Temple Sinai - A Brief History

In 1979 – when West Houston wasn’t even Houston and this area was just a neighborhood on the edge of the prairie – nine families joined together to form a Reform congregation and named it Temple Sinai.

It was pretty rough in those parts way back then. Westheimer Road was a single lane blacktop west of Wilcrest; West Belt (not the access road for the Tollway) meandered with gentle curves through the tall vegetation along Buffalo Bayou until it stopped abruptly at Westheimer; and traffic hardly backed up on the Katy Freeway.  It was a time when there was very little west of Highway 6 other than the J.C.C. campsite, Nottingham Country and San Antonio.  While a “Jewish-style” deli actually operated across from Tully Stadium, there was certainly an absence of an official Reform Jewish presence out here in the “wilderness.”

That all changed in the summer of 1979 with the establishment of Temple Sinai.  Our founding Rabbi, Abraham Shaw, having retired from Temple Oheb Shalom in Baltimore, was living in Austin Texas, and was able to commute several times a month to grace our bimah by leading services and officiating at numerous b’nai mitzvot.  Until 1983, the congregation met in a building on Country Place Drive in the Memorial area of Houston, in rental space that allowed for both services and a functioning religious school.

In 1983, the decision was made to purchase the building where we were tenants, and Temple Sinai became the owner of its first property at 783 Country Place.  Rabbi Shaw served in a part-time capacity until 1984 when Rabbi Howard Rabinowitz of Houston succeeded Rabbi Shaw as our rabbi, albeit still in a part-time capacity.

Under the spiritual guidance of Rabbi Rabinowitz, the educational leadership of several religious school directors and the capable administrative talents of many dedicated volunteer board members and officers, Temple Sinai grew in membership. Just as Houston grew around us, with multi-lane highways replacing streets and large housing complexes replacing grassy fields, the Temple membership expanded and it became apparent that our little synagogue on Country Place was too small to meet our current and certainly future needs.

In the mid 90’s the leadership of the congregation began a process to determine where our future home should be located. Addressing the membership’s desires and aspirations for a new building as revealed by a congregational survey, the board formulated a mission statement to guide the congregation on its path to a new home. Consultants from the UAHC were contacted to assist in the process of planning to hire an architect to design a new facility. Then in 1999, just as the building program was in its infancy, Rabbi Rabinowitz retired and the Temple hired its first full time clergy, Rabbi Todd Thalblum.

With a new Rabbi and a newly formed architectural search committee, the path to a new

facility was underway. Once an architect was chosen, the preliminary planning began. However the need for a financial plan was immediate. Professional fundraising consultants were hired to assist the Capital Campaign committee in raising the funds necessary to buy land and build a new synagogue building. Although the design was underway, the site of the new building was yet to be determined, as no affordable land was found in a desired location. That changed early in 2000, when the 3.8 acres we currently own, was purchased. And the building plans were modified to match the location.

The land was dedicated in February 2001. The congregation approved the building program in April 2002 and shortly thereafter, a groundbreaking was held with honored guests from the Houston Jewish Community in attendance. Rabbi Larry Jackofsky, regional director of the Southwest Council of the UAHC attended and spoke of his long association with Temple Sinai from its inception in 1979. Along with Rabbi Thalblum, Temple officers, many congregants and guests, the first shovels of dirt were turned in a process that led to our current building. Actual construction began in August 2002 with a move-in date late in the spring of 2003. With construction completed in late June, 2003, July 4, was chosen as the day to officially move.

On July 4, over 150 member families and friends left our old location to march our four Torahs to their new home on Brimhurst Drive. With television crews present to film the event, the congregational Hakifot, sometimes two blocks long, spread along the route of the march. While the threat of rain was constant, we arrived at the new building, unveiled the cornerstone, affixed a mezzuzah to the doorpost, and entered our new sanctuary for its first official service. As the service commenced, the sun broke through the clouds and illuminated the Ark where the Torahs were placed upon arrival in their new home.

The new building is now the home for the Temple’s membership, numbering almost 220 families; a membership that draws predominantly from all over west Houston and Katy, including families from both the SW and NW, but also from the Memorial Villages, Meyerland and even inside the loop. In addition to Shabbat worship on Friday evenings, Temple Sinai holds Saturday morning services whenever there is a Bar or Bat Mitzvah and in addition, at least one Shabbat morning service monthly. For the past two years, we have held Thursday morning Torah services, and also, have celebrated each day in the month of Elul preceding the high holidays, with a shofar service to announce the coming of the new year.

The synagogue has a full time religious school director, Chava Gal-Or, who supervises the Sunday School and Hebrew School programs with over 150 students registered. The religious school participates in the Gesher Program which brings together, students from many of the suburban congregations in Houston. With such a large student body, we have recently celebrated over 20 B’nai Mitzvot ceremonies yearly. We have an active Adult Ed program and an extremely active Sisterhood program, including special programs for the Senior Sisters in the congregation. Brotherhood has recently become an active component of Temple Life. But when it comes to activity, TeSTY, the Temple Sinai youth group has demonstrated its vitality and community services in numerous ways.

the departure of Rabbi Thalblum after nine years with the Temple, we were fortunate to have Rabbi Barry Diamond serving with us as an interim Rabbi for one year as the search for a permanent Rabbi continued.  We are now blessed with Rabbi Anne Belford as our Rabbi and look forward to a long relationship with her.  She is a deeply caring and compassionate individual who connects with people emotionally, intellectually and spiritually.

In thirty years Temple Sinai has grown from an idea to a reality; from nothing to the spiritual home of over 200 families in Houston, Katy, Sugar Land and other western suburbs; a center for a Jewish presence in the community where none previously existed.  Our goal is to continue to grow in number and in our programming thereby maintaining us as a center of a meaningful Jewish experience in our community.


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Bantry Blues ace recognised with second All-Star award

Bantry Blues and Cork senior footballer Emma Spillane was recently honoured for her outstanding displays for the Rebelettes once again in 2018 with her second successive All-Star award, a remarkable achievement for the sports star who only recently turned 20. The Blues ace produced a plethora of outstanding performances, as she helped the Cork senior team win the Munster championship title and reach the All-Ireland final. John Bohane catches up with the West Cork football player, who is eager for more success.

The sports heroine was thrilled to be recognised for the second consecutive season with an All-Star award. Emma was rewarded for producing a series of great displays for the Cork senior footballers who enjoyed a sustained run in the All-Ireland championship. “It is great to be recognised for the hard work that has gone in throughout the season. It is a privilege to be nominated in the first place when you look at the talent around you. I was absolutely delighted with the award.”

Emma was accompanied to the recent prestigious awards ceremony, which was held in the Citywest Hotel, Dublin, by her proud parents. She is very grateful and appreciative to her parents and entire family for their support and encouragement throughout her sporting journey. “My parents were thrilled with my recent award win. They have been a great support all up along, travelling the width and the breadth of the country for matches or even driving me to Cork for training sessions. They have played a huge role in my development.”

Emma, who is currently studying Commerce in UCC, took up playing football with her beloved Bantry Blues at the age of seven. It has been quite the journey for the Gaelic football star, who credits her father and older sister for inspiring her interest in the sport from such a young age. “I started playing football with the boys team in Bantry when I was seven. My father was very involved in the local GAA club, so I would have always been going to matches with him from a young age. My older sister would have been on various underage Cork panels also so that helped me stick at it. I’ve always enjoyed playing and watching the game.”

She balances her intense football commitments with the county team, college and club sides along with college and work demands brilliantly. Attending college in Cork has made it easier for the Bantry native to make training sessions and games, as she revealed. “In a way it’s easier when I’m up in Cork for college during the week. Trainers with both the Cork and the college team would also be very understanding with regards games and training sessions around my college commitments.”

Emma who operates as a defender for the Cork senior footballers has always modelled her game on Bantry Blues GAA legend Graham Canty who also enjoyed much success from an inter-county perspective. Emma has always been inspired by the Bantry man who captained the Cork senior footballers to All-Ireland glory in 2010. “When I was very young I would have looked up to Graham Canty. He was a great player and leader. He was a great captain and an inspirational figure on the Cork team who won the All-Ireland title in 2010. It has always been my goal to win a senior All-Ireland title. I have been fortunate that so many top class coaches between my school, club and county teams have played such huge roles in my development as a player.”

The ace defender loves representing her beloved Bantry Blues on the national stage. She is grateful to all within the Blues GAA Club who have offered her great support and coaching throughout the years. She loves playing her club football with Bantry. “It is a very supportive club. It’s nice playing with girls that you grew up with and went to school with. They have been great to me all up along. Hopefully in the next few years we can develop further as a club, particularly the senior team. There’s a lot of talent coming up from underage level which is great to see. We have a lot of very talented players. It is refreshing to see various different girls playing with the underage Cork teams also. This year we had three girls on the Cork minor team as well as Anne O’Grady as a selector. This is a great boost for the club.”

Bantry Blues GAA Club are currently working on developing their main pitch which will make the Wolfe Tone Park one of the top pitches in Cork once again. The club are also embarking on an ambitious drive to construct a new training pitch with floodlights adjacent to Wolfe Tone Park. Emma is delighted with the hard work and ambitions the club officers are displaying as they seek to restore glory to this proud club in the foreseeable future. “A lot of work goes into the club and training the various teams. In the past few years there has been huge development in the club with the astro-turf and the new gym. The new pitch and the proposed training pitch will be great additions.”

Following Cork’s defeat to Dublin in this year’s All-Ireland final, Emma and her colleagues took a much needed break from training and playing for a month or so to recharge the batteries following their challenging season. Emma loves playing under the Cork senior team management team which includes Ephie Fitzgerald and James Masters amongst others. “After the All-Ireland final defeat in September, I would have taken a break for a month or so. We played the league with UCC earlier on in the semester. It’s mainly gym work at this time of year though. All the management team put in an absolutely huge effort this year. A lot of work goes on behind the scenes. They are great to play under and work with.”

Cork were defeated by a strong Dublin team by five points in this year’s All-Ireland final. Cork ended the season as Munster champions, but Emma is confident Cork will be competing for All-Ireland glory once again next season. “We had a bit of a disappointing league campaign at the beginning of the year losing out narrowly to Mayo in the semi final stages. However, the Munster championship was a huge success for us and it was great to get that win going into the All-Ireland championship. We were delighted to get to Croke Park in September, but I suppose it was hugely disappointing to just fall short. Dublin are very strong, they have a huge selection of players. Hopefully we’ll be back again next year. I think losing the final this year will make us even hungrier again for next year. Mourneabbey winning the All-Ireland club final title recently will also be a huge boost for those girls.”

Emma enjoyed a very successful underage career with the Cork minor team under the guidance of John Cleary with whom she won All-Ireland honours. She revealed it took her a while to find her bearings after she made the step-up to the inter-county adult grade. The West Cork sports star admits she had concerns following her call up to the senior set-up. “Initially I was worried about training with the senior team, as I was playing with a lot of girls who I was used to watching on TV. Playing a few games in the league campaign helped me to get a taste of senior football and I suppose that settled the nerves a small bit. The physicality of the game would have been the biggest change I noticed when I moved up from minor football. Girls are much stronger, so it is a bit of a shock to the system. The league is very good and beneficial in that way, younger girls can get a feel of senior football before the championship begins.”

The recent All-Ireland senior final between Cork and Dublin attracted over 50,000 supporters to the final. Emma loved her experience of playing in Croke Park. She is delighted ladies football continues to grow thanks to more exposure and sponsorship deals. “Playing in Croke Park was a great experience. It is great to see the work being done by Lidl and TG4 to get huge crowds to go to the games. This year it was fantastic to see another record breaking attendance at the final.”

Emma was joined on the Cork senior panel by a large number of players from various other West Cork clubs. Aine Terry O’Sullivan (Garnish), Libby Coppinger (St Colum’s) and Melissa Duggan all played influential roles in helping Cork enjoy a productive season. The West Cork senior footballers also enjoyed a very successful season. All-Ireland champions Mourneabbey required a replay to over them in the senior county final. Emma is delighted with the growing contribution West Cork ladies football continues to make. “The three girls all had excellent seasons. It’s great to see girls from smaller clubs able to be play senior football as well. They are a showcase of the unbelievable talent that we have here in West Cork. The West Cork senior ladies team did super this season reaching the county final and only narrowly missing out on glory. The talent coming through is also phenomenal, so hopefully next year they can drive it on again. The future for ladies football in West Cork is very bright. There is plenty of talent around here. I think there are already numerous girls on the Cork U14 panel for the coming season, so hopefully we will have representatives on the other underage panels also.”

Promising O’Donovan Rossa player Laura O’Mahony is another footballer tipped to enjoy a successful future. The pacey Skibbereen star enjoyed a great season with her club, divisional side and the Cork minor team. Emma is thrilled with her progress. “Laura had a fantastic year with the minor team. She is an outstanding player with so much talent. She has a very bright future ahead of her.”

Emma is looking forward to the National League resuming in February. She is hopeful the Cork senior ladies will enjoy another successful season as they seek to capture the Brendan Martin Cup for the first time since 2016. “We’ll take next year one step at a time starting with the league at the beginning of February. The overall goal will always be to be playing big games in Croke Park in September.”

John Bohane

John Bohane covers all sports in West Cork.

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Best Dance Academy in Delhi | Online Dance Classes & Fitness in Delhi

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Golf & Country Club Memberships in Michigan

Whether you are searching for an individual, family, or corporate golf membership, it's important that your Michigan golf membership provides the right kind of course, environment, and amenities that meet your needs. From private to semi-private, we have all kinds of options in Michigan for you to choose from. Browse the listings below to see our extensive list of Michigan golf memberships, Michigan country clubs, and other exceptional Michigan golf club membership opportunities.

Featured Listings:

Bay Harbor Golf Club

Bay Harbor, MI | Northern

Renowned golf architect Arthur Hills in collaboration with Stephen Kircher planned every detail of all three nine-hole courses, giving each a distinct flavor that challenges you to break par. This course is already a classic on the short list of must plays for any golf devotee. In the inaugural season the Bay Harbor Golf Club leap-frogged to the 8th ranking in the country - "Best ... read more

Klinger Lake Country Club

Sturgis, MI | Southern / Western

A challenging par 72, 18 hole golf course, one of the best manicured courses in southwest Michigan. The grounds include full putting and chipping practice areas, a driving range, swimming pool, locker rooms with showers and excellent clubhouse facilities.

Our 18 hole golf course plays 6,100 yards from the men's tee and 5,300 yards from the ladies' tee. This may not appear too
... read more

Other Listings:

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Ann Arbor Country Club

Ann Arbor, MI | Eastern / Southern

Ann Arbor Country Club's roots go back more than 70 years when the golf course was constructed. Since then we’ve become a full-service country club, open to all who appreciate the intimate setting of our facilities, ease of use and unique value. The ... read more

Atlas Valley Country Club

Grand Blanc, MI | Eastern / Northern

With gently rolling hills, wooded surroundings, and Kearsley Creek all providing varying degrees of difficulty, the course at Atlas Valley is not only aesthetically pleasing but also quite challenging to golfers of all skill levels. Golf has been ... read more

Barton Hills Country Club

Ann Arbor, MI | Eastern / Southern

Thank you for your interest in Barton Hills Country Club. Barton Hills is a full service, private, member-owned Country Club. Since 1919, Barton Hills Country Club of Ann Arbor, MI has maintained a high level of excellence on behalf of all its ... read more

Battle Creek Country Club

Battle Creek, MI | Southern

Designed by world renowned architect Willie Park, Jr., our lush eighteen-hole course is recognized as one of the finest private courses in Michigan. Golf privileges are restricted to a limited number of members and their immediate families. This ... read more

Birchwood Farms Golf & Country Club

Harbor Springs, MI | Eastern / Northern

At the heart of this beautiful community are 27 breathtaking holes of true northern Michigan style golf. Golfers here find themselves surrounded by untouched forest and gorgeous views of Lake Michigan while playing on fairways and greens that can ... read more

Featured Clubs

Klinger Lake Country Club
Klinger Lake Country Club Sturgis, MI
Bay Harbor Golf Club
Bay Harbor Golf Club Bay Harbor, MI

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Federal judge gives preliminary approval to Volkswagen settlement

[JURIST] A judge for the US District Court for the Northern District of California [official website] on Tuesday gave preliminary approval [order, PDF] to a $15 billion settlement [case materials] between German automaker Volkswagen AG (VW) [corporate website] and the US Environmental Protection Agency (EPA) [official website], California officials and consumers. Judge Charles Breyer’s ruling allows attorneys to begin gathering information from nearly 500,000 consumers whose diesel-powered vehicles were found to have violated US emissions standards. Under the terms of the agreement, owners will be able to choose between having Volkswagen buy back or fix the vehicles. Final approval for the settlement could come at a hearing on October 18.

VW is facing legal difficulty around the world over the emissions scandal. A law firm in Germany filed a class action lawsuit [JURIST report] in March on behalf of investors alleging a breach of duty to the capital market. Last year the Braunschweig public prosecutor’s office opened a criminal investigation [JURIST report] of former VW CEO Martin Winterkorn, following accusations that the company cheated on government emissions tests by manipulating exhaust valves. The investigation followed several criminal complaints, including one filed by VW, and came less than a week after Winterkorn stepped down as CEO of the company. In his statement he accepted “responsibility for the irregularities that have been found in diesel engines” and said that he was “clearing the way for this fresh start with [his] resignation.”

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IPL 2021 | MI assists KKR in snatching defeat from jaws of victory

Rohit’s side suffers a collapse — from 86 for one to 152 — but suffocates Kolkata’s chase in back-10, thanks to Chahar, Krunal, Bumrah and Boult

Kolkata Knight Riders left no stone unturned in preparing for its nemesis, Mumbai Indians.

Eoin Morgan started with spin to keep Rohit Sharma & Co. quiet in the PowerPlay. He saved the express pace of Pat Cummins and Prasidh Krishna for Kieron Pollard and Hardik Pandya in the middle overs. The plans worked, with his side dismissing the five-time champion for 152.

But in the end, pressure got the better of KKR, as it lost by 10 runs at the M.A. Chidambaram Stadium in Chennai on Tuesday.

KKR started on a positive note, led by Nitish Rana (57, 47b, 6×4, 2×6), who found solid support in Shubman Gill (33). The opening partnership of 72 in 8.4 overs set the ball rolling for the men in purple before Rahul Chahar’s magic run began.

The leg-spinner picked up four wickets at a crucial juncture to turn the tide. Gill found Pollard at long-off while trying to clear the fence. Rahul Tripathi edged one to Quinton de Kock, Eoin Morgan failed to execute the hack and was caught at deep mid-wicket, and finally, the in-form Rana was stumped.

IPL 2021 | MI assists KKR in snatching defeat from jaws of victory

KKR needed to score 30 off the last four overs with five wickets in hand when left-arm spinner Krunal Pandya and speedster Jasprit Bumrah bowled two tight overs to Andre Russell and Dinesh Karthik, conceding just seven runs.

Trent Boult removed Russell and Cummins in the final over to secure an improbable victory.

Getting into the act

Earlier, introduced into the attack in the 18th over, Russell came out of nowhere to pick up a five-for in his two overs, bowling around the wicket to right-handers.

The hustle began with Pollard’s wicket.

The other four to fall to Russell were Krunal, Jansen, Chahar and Bumrah.

Suryakumar Yadav’s 56 (36b, 7×4, 2×6) was the highlight of MI’s innings — the runs that mattered in the end.

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The Real Looking Glass, Alice in Wonderland

Lewis Carroll met the real-life Alice (above right photo) when he stayed at this house in Cheltenham Kings for four days in the 1860s. He was visiting his friend Henry Liddell and his three daughters, one called Alice. Upstairs the house still has the 6ft by 5ft mirror, which is said to have inspired Carroll to write Through the Looking Glass

The Mirror has an elaborate border of branches and twigs, with figures of birds & animals. The looking glass was originally hung downstairs and showed a reflection of the house’s garden, almost as though one could step through the mirror into the garden and beyond. It is also said that alice’s governess (pictured below right) who was in charge of  her upbringing, education, etc was the inspiration for the Red Queen and that the chequerboard fields of looking glass land was actually Leckhampton Hill, which carol saw while on a walk with his friends.

This Historic House is across the street from my mother-in-laws Jan’s home in England. Before her house was built the land actually was once apart of this homes back garden. I was lucky enough to snag a peak at the mirror when I was in town for a visit

article-2591691-1CA576CF00000578-542_964x639article-2591691-1CA5774A00000578-920_964x639 article-2591691-1CA5767400000578-944_964x639

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Meals during trekking at ABC

Hello everyone,

I will go the Annapurna Circuit from Chamje to Muktinath via Ngawal, Khangsgar etc. Can anyona answer for sure, how much an average meal (without alchohol) costs aproxamiately?
I know that the prices differ depending on the altitude, but some agencies calculate 25€, others even 30€ and others 20€ including accomodation in a lodge.

I am a little bit confused now and it would be great if someone is able to respond to me.

Many thanks

Travel Partner

Hi Bastian,
Welcome to Nepal. The average cost of food & accommodation per day for the Annapurna Circuit would be 20-25 Euro.
Kind regards,
tt4ft team

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Criminal Background Check

The Criminal Background Check is used in insurance investigations to uncover information in a person’s past which sheds light on their claim or discredits information they have provided. It is a crucial tool in the investigation of a person suspected of liability insurance fraud and workers compensation insurance fraud. (If you are looking for background checks in other areas, select Personal Background Checks, Legal Background Investigation, or Business Background Checks Professional Results.)

Get started by choosing a type of service from the Background Investigation Options grid at the bottom of this page

A thorough criminal background check is not limited to past crimes or criminal activity. It includes verification of personal information such as Social Security number, name confirmation, discovery of aliases or AKA’s, confirmation of date of birth and names of family members. It also includes searches of civil records to see if the claimant has a history of lawsuits or other litigation. The criminal records search for past crimes or fraud convictions is also a key element of the criminal background investigation. We also run a search of past workers compensation filings which are listed with the South Carolina Worker Compensation Commission.

The comprehensive criminal background check involves field undercover work. At this level we obtain more subtle information on the background of the subject, including personal habits, personality, associations, dating/marital status, substance abuse and other in-depth information to give a complete profile of the subject.

The chart below describes the various services we offer in regard to the criminal background check. Note that the last category on the chart describes the Background/ Asset combination. Choose this search if you want to know about a person’s assets as well as their background. For a free consultation or to get started right away on your criminal background check project, call us for service throughout South Carolina and the US at (843) 472-2635 or e-mail us.

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Background & Asset Combination Combines Level Two Asset and Level Two Background Investigations A complete wide-ranging profile of your subject Asset portion gives a broad asset profile to gauge net worth; including real property, vehicles, business affiliations and ownership, liabilities, bankruptcies, etc Background portion gives personal profile, including criminal research, (felonies and misdemeanors), civil cases, divorces, driver record, age confirmation, aliases, relatives, address history and false Social Security numbers Often used for business due diligence, prenuptial, dating and executive pre-employment

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The news is by your side.

Turkey’s Election Board Allows Purged Professors to Run for Parliamentary Seat

High Election Council (YSK) ruled that purged officials are able to run in parliamentary elections after debates broke out when main opposition Republican People’s Party (CHP) named three candidates who had been previously dismissed by government decrees during the emergency rule.

A citizen applied to YSK, seeking removal of Professors Ibrahim Kaboglu, Cihangir Islam and Yuksel Taskin who were sacked from their posts at universities during the post-coup purge. CHP named them to its lawmaker list for the parliamentary elections.

The YSK convened a meeting to review the application this week. It rejected the appeal of a pro-government citizen and decided the purged professors would run in the elections.

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NDDB Recruitment 2018 | Managing Director Post :

NDDB Recruitment 2018 | Managing Director Post : National Dairy Development Board (NDDB) has published Recruitment notifications for below mentioned Posts 2018. More information please read below mentioned details carefully.

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