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Moffat County College board members ‘draw line in the sand’ over financial reports, art program |

Moffat County College board members ‘draw line in the sand’ over financial reports, art program

The Moffat County Affiliated Junior College District Board discusses property and planning during a Monday meeting.
Sasha Nelson/staff

CRAIG — The pace of progress may be increasing at the local community college after the local district board made clear its expectations for improved financial reporting, speedier strategic planning, reinstatement of the art program and decisions about property during a meeting Monday.

For years, some members of the board have asked college administration for comprehensive financial reports to understand how tax dollars collected by the Moffat County Affiliated Junior College District relates to the larger college budget.

“I am unhappy with the budget report. Without a programmatic profit and loss, I cannot fulfill my duty of care. I will be voting not to approve the financials,” said Andy Daniels.

Later in the meeting, Daniels was appointed to the position of board treasurer after a surprise resignation by former Treasurer Lois Wymore.

“I get that I have authority over only our part (of the budget), but without the programmatic view and big picture … the financials are useless to me. So I’m just going to vote ‘no’ until we get those,” Daniels said.

When the vote was called to approve the January treasurer’s report, only two members — board President Mike Anson and board member Terry Carwile — voted to approve. Daniels, Wymore and board member Zach Allen voted against, so the January financial report remains unapproved.

The board also discussed the fate of the art program.

“I see that there are zero art classes scheduled in the fall. That means we have a dark wing, an underutilized asset. What’s the plan?” Daniels asked.

Associate Vice President of Instruction Jeff Grubbs explained that his request for a funding for a full-time art faculty member was refused. He added he is working to hire adjunct faculty but said the task is proving difficult, due to Higher Learning Commission requirements mandating the school hire an instructor with a master of fine arts degree.

“Guidelines do allow for professional experience and exceptional notoriety,” Wymore said. “We lost seven to nine FTEs because someone didn’t do their research about how important art is here. You said you would bring it back Ron (Granger, CNCC president). I’d like to see a plan on exactly how you are going to bring it back.”

The college has seen declining enrollment numbers for the past three semesters. Board members want a plan for growth and want the plan finished sooner rather than later.

“Start acting at the speed of business, not the speed of academia,” Daniels said. He also urged the college to “draw a line in the sand” when setting deadlines.

As expected, following an executive session, the college district board made decisions about the lease of Trapper Fitness Center and to transfer property to the hospital.

These decisions included the following.

• To send notice to the tenants of Trapper Fitness Center that their lease, which terminates Dec. 31, will not be renewed. The board is awaiting further information before deciding what’s next for the property.

• To allocate $5,900 and an hourly fee of $225 for an appraisal of the property leased to the fitness center.

• To allow Memorial Regional Health to remove dirt from college property to help level the site for the new medical office building. MRH will pay all costs to replace topsoil and re-vegetate and return drainage to current status. Carwile, who is also a member of the MRH board and MRH CEO Daniels did not vote.

• To transfer about 11 acres of college district board-owned land to MRH to allow for future growth. The measure passed two votes to one, with Carwile and Daniels abstaining. Anson voted against the transfer.

“That property is owned by the college, I felt that the college should get some type of payment for that, and we are taking 35 percent of the acreage on Lot 5. That lot doesn’t have the value it did before the decision was made,” Anson said.

The board also took action on the following items.

• Approved the minutes of the Jan. 31 regular meeting,

• Reallocated $15,000 for an on-campus housing feasibility study into a new consulting services line item and added an additional $2,400 to that line item.

• Allocated $11,500 to pay Aileron consulting $9,500, plus expenses, to “find out what the community thinks of the college and where we need to take it,” Daniels said in the motion.

The board also heard the following reports.

• A report regarding conversations underway with private companies interested in building on-campus student housing. Board members expect Granger to bring numbers to their April meeting.

• A progress report about the CNCC website from Marketing Director Brian MacKenzie, who expects to begin beta testing in March.

• A report from Vice President of the Craig Campus Janell Oberlander about the use of the Bell Tower building. Oberlander recommended no change, as she said the high-use building is a vital component to operations and that it isn’t feasible to shift all Bell Tower programs to the main campus.

The board will consider revisions to its bylaws at its next meeting.

Contact Sasha Nelson at 970-875-1794 or

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Adobe Photoshop 2020: The Complete Guide Bootcamp

Lesson 36 of 118

Editing an Image Using Curves

Adobe Photoshop 2020: The Complete Guide Bootcamp

Lesson 36 of 118

Editing an Image Using Curves

Lesson Info

Editing an Image Using Curves

So let me show you how to think about curves by working on some images. And when we do, we're gonna end up using adjustment layers because that's when they become when curves becomes dramatically more useful. So just in case you haven't used an adjustment player, let me introduce those to you first. Then we'll start learning how to think about curves and apply it to images, and I think that's when you'll get excited about what it offers. So in my layers panel, I'll go to the bottom. I'll click on the adjustment layer icon, and I'm going to choose, not curves right now just because I want to talk about adjustment layers. First, I'm gonna choose a choice called Black and White, which would take all the color out of my picture. I'm just choosing adjustment. That's obvious, then. This is an adjustment layer. It's an adjustment sitting in its own layer, and it's a Ziff. You're standing at the top of the layers panel looking down, and you're looking through the adjustment layer, and it is ch...

anging your view of what's underneath. In this case, it's a black and white adjustment layer, so as you look through it. The color information that's found underneath can't be seen because it's absorbing all that color. Well, when you have an adjustment layer like that, remember, I went to this icon half black and half white circle to create it. You also get a mask, which is this white box, and we have a separate lesson about layer masks, which is what this is. And so if you haven't seen that lesson, you might want to look for it. It's part of the complete guide, and I'm gonna come here and grab my paintbrush tool. Since we already have white in the mask, I'm going to switch the color on painting with to make sure it's black. There's a little double arrow here I can click on to do that. And now, wherever I paint with black, it's gonna remove my adjustment. And so therefore, the image will come back to full color. So I'm gonna come in here and just paint where I want your I toe look. And if I released my boss button and you look in the layers panel, you'll see the black paint that I'm applying. It's only showing up in the layers panel when I released the mouse button, because it just is trying to make sure photo shop is speedy when I'm painting and that it's not trying to update things which could slow it down. So here I'll let go again and you'll see the layers panel update. But when I paint with black, the main thing is, is I'm removing the adjustment, preventing it from applying wherever it is I'm painting. Therefore, I can only get it in certain areas of my picture. And so we're gonna end up using adjustment layers when we're applying curves, because then afterwards, I can paint with Black to indicate where I don't want it to be applied. And so I'm going to remove this adjustment layer by dragging it to the trash. I just clicked on its name, dragged into the trash, and let's start using curves and see what we can do with this picture. And we can also, if you'd like, use brightness and contrast in levels because there are also available as adjustment layers. So, for instance, brightness and contrast, What I would like to do is dark in this area right here. Well, in brightness and contrast, how do I do that I have a brightness control, and when I move it, it darkens everything. It doesn't allow me to target this area, to be specifically precise about it. Or I would like to make this area the difference in brightness between that area and the area that's behind it in space mawr similar to each other, that would be lowering the contrast between those two areas. I do have a contrast control here in brightness and contrast. The problem with it is it thinks the difference between a bright area in a dark area is 50% gray. Anything brighter than that is considered a bright area. Anything darker than that is considered a dark area. Well, what if this area and this area were both darker than 50%? Great. Well, if that was the case, I don't think it is. But if it waas adjusting contrast would cause both of those areas to brighten or darken. The main thing is, I don't have any control here to say, How can I get those two areas more similar in the same is true. If I throw away this adjustment layer and I come in here and use levels in levels. How do I tell it to darken this in Brighton that specifically I have a slider over here on the right, which will brighten everything, force more years, toe white. We got the middle one, which will brighten and dark and everything. But the relationship between those two areas will remain the same. Let's throw that away. It's on Lee when you get into curves that suddenly you have control. The key, though, to using curves is to always have the little hand icon turned on. You can just click on it, and as long as it's got a dark background, it's turned on. But I use it every single time. I use curves, so if you go to the upper right of curves, there's a little side menu you can access right here in one of the choices in there is auto select targeted adjustment tool. That's what the hand is called. It's the targeted adjustment tool. So if I turn that on now, if I go back to the side menu, you'll find a check box next to it to indicate it's on. That means every single time I ever get into curves, the hand icon will be turned on automatically. What the hand icon does is if it wasn't turned on, then you could have whatever tool you previously were using over here in your tools panel active. And if you move your mouse on top, your image. That's what it would be thinking about. Clicking on that icon means Let's de select whatever tool was previously active in our tools panel, so that now we have something specific to curves active. And now you come out here into the image and I want this to be more similar to that in brightness. All I gotta do is move my mouse over this area. If you looking curves, do you see a circle in that circles moving? If I move my mouse around well, that indicates exactly how much light is in this area. And if I click the mass but watch what happens to that circle, it just turned into a little dot. That's like adding a dimmer switch on your wall that's going to control how bright that area is, where my mouse is. I'm gonna also move my mouse to the darker area behind, and I'm gonna click, and now I have the equivalent to two dimmer switches. Those dimmer switches air telling me how much light was in those two areas. And so if I come in here and look, you can tell that one area was brighter, cause this is higher. It's like in your kitchen having the dimmer switch turn really high, just not all the way as high as it could go. And then the other area is using less light because it's dimmer. Switches lower. Well, all we need to do to get those two areas toe look identical is to get those two dots to be the exact same height. And if I were to move this dot up to get there, it's like taking a dimmer switch and moving it up. You're gonna brighten things war. I could take this, not instead and move it down to the same height as the other. Well, if you take a dimmer switch and you move it down, what happens to use less light and things get darker or I could meet somewhere halfway, move the upper one down and the lower went up. That's going to make the brighter is get darker because I'm moving. It's dimmer switch down and the darker areas get brighter. It's your choice. Just look at the image and say, If you wanted those two areas to look more similar, would you do it by darkening this part or bright Ning that I think I dark in this? So I'm just gonna pull this down. It's the same height as the other, but then we got to just get rid of this little part here that loops down. So I'll add 1/3 dot Try to get him now. Do you see that these areas are identical? It's not that that's what I needed. I wanted less of a difference between the two. I don't need them to be identical. So let's put this back up there and I'll just watch it as I just to say Okay, somewhere around there, they're starting to look more similar. All right, let's just start working on this image and I'll show you the way I think about curves in general, most the time in curves. If I want to brighten or darken something, I use one dot I click on the object that I want to broaden your darkened and I think in my mind. I have a dimmer switch and I move it up. If I want Brighton down if I want to darken when I do that, though the entirety of the curve is gonna move up or down in. So afterwards I'll end up painting on the mask with black to say I don't want it to affect these areas. And therefore I can limit what part of the image we're working on. If, on the other hand, I want detailed toe pop out of the image, not just brighten or darken something, but have detail jump out, then I'm gonna be adding two dots on my curve. Ah, look at whatever object it is that I'd like to detail to pop out on. And I'll add one dot on the bright part of that object in one dot on the dark part of that object. And then I'm going to make them more dramatically different height. So let's see how that works. So first I want to brighten something. If you look in the right side of this photograph, you see one little bitty chick over there all by itself. Well, I want it to be brighter than it currently is. So I'll go over here and do curves adjustment layer that hand tools turned on automatically because we have auto select target adjustment tool turned on. I'm just gonna come all right over to it. I'm gonna click, and now it's like, have a dimmer switch in my hand. I'm gonna pull it straight up. I'm ignoring the rest of the picture. Just looking at that chick in bringing it up until I like its brightness. Let's say right about there. But now if you look at the curve we're ending up with you, see a dot that was added to the curve right here. That's the data added. It's working on whatever was this brightness level and it's brightening it up. But the rest of the curve changed along with it. So now I grab my paintbrush tool and I'm gonna paint with black wherever I didn't want that to happen. So wherever I paint with black, the image goes back and in fact, I'm gonna paint across the entire picture because then I can just zoom up on the chick in paint with white because whites, what allows the adjustment to apply, and then I can come in. Just say OK wherever I paint here, where should apply, and I can get it exactly how it like I'm not gonna be as precise as I usually would be with painting, because I just takes more time and I want you to learn about curves instead of just learning that I'm a good painter. Zoom out, command zero. Just zoom out controls in windows. Now, if that's too bright now that I've painted it in, all I have to do is either go here in curves and grab the DOT that's already there and pull it straight up and down. It's a dimmer switch, so it works just like a dimmer at home. There we go. And then, if I turn off the eyeball for the adjustment layer, here's before there's after the other way I could have lessened. This is instead of adjusting the curve that's here, I could lower the opacity of the adjustment layer. This means how strongest the adjustment gonna be when it's at 100%. I get 100% of what I dialed in, uh, in when it's less than you get less than what you asked for. So I could have lowered the opacity instead. Now let's work on other areas. In this case, I now want your attention to go over here. And I'm gonna do that by making the detail that is in this guy jump out. Usually the way you make the detail in something jump out. Did you get a greater difference between the bright and dark areas? So I'm gonna do a new curves adjustment layer that hand tools turned on and I'm going to click on two parts of this. I'm gonna look for which area do I want the detail to pop out in? And I'm thinking about kind of this area, so I'm gonna add two dots, one for the dark part of that area. But I didn't mean toe get what I just did. I accidentally had two fingers on my track pad, which made it have a little ah, dialogue, Papa. And then I'm gonna go for the bright area. So now I have two dots, those air to dimmer switches, and I just want to make the difference in height between the two more dramatic. If I move the upper of the two dots straight up, that's gonna take the brighter area and brighten it more. Ignore everything except for the bird. Then if I want to, I don't have to. But if I want to, I could take the dark area and bring it down to make it even darker. But I don't think that's gonna help. It's dark enough then I didn't want that to affect the entire picture. So I'm going to fill this mask with black to say, Get it off my picture Because any part of a layer mask that's black prevents the adjustment from applying. One way of getting a mask that's already existing to turn black is to choose this command that makes a negative out of something. So if it used to be white, it'll be black. And if it used to be black, it will be white. And now I grab my paintbrush painting with white, and I paint in the change wherever it is. I wanted it, so I wanted your eye to be drawn right over in here, so I paint that in. I could bring it up here to It'll probably work fine. He's got to be careful right now. I have a soft edged brush And if I get too close to the edge of the picture or used too large of a brush, I'll get a little glow around him. So I just need to be precise with where I paint. I'm gonna hide this adjustment layer by turning off its eyeball. There's before going back on theirs after you see the detail just pop out of that thing. How did I do that? Any time we want the detail pop out, I add two dots to my curve. I look at whatever object it is or area where I want the detail to pop, and I added out for the darkest part of that and another dot for the brightest and I'll get two dots. Then I'm gonna make him or dramatically different in brightness. And if you move the upper dot up, you're gonna brighten that part, move the lower dot down you're gonna dark in that part depends on the picture. As far as what should be done. Just look at the image and say, Would this thing need to be darkened? Or would it need to be brightened? And if I glance at it, it's dark enough in the dark areas. There was no need to move anything down. All right, then there's a check over here on the side. My eye goes to it, and I don't want to. I want to make it harder to see that. Make it harder to see the detail. So I'm gonna create a curves adjustment layer, and we're gonna do the opposite of what we did to the main character in here. I'm gonna add two dots again. One to the dark area of that object, one to the bright area of the object. And I'm now going to make them more similar to each other. That means we have two dots. The higher dot is for the brighter area. Lower dot is for three darker area, and I want to get him closer to the same height. If I made it exactly the same height, we just have a gray area. We wouldn't have any variation. So I look at this little guy, the chick there, and I say, would I like to darken it or brighten it? To accomplish this? I don't think I need to darken it. It's already close to black in the darkest areas. So it's the bright areas that I want to darken up. That means go for the higher, not hire means mawr light. Remember, it's like a dimmer switch. So grab that higher dot Just pull it straight down. If I move it to the left or right, it all it's by accident. That would be like going in your kitchen and grabbing for the light switch that controls the light above your sink and you accidentally grab the one for the hallway. You're not going to get what you expected. You always want to add a dot and if you're going to move it most the time you were straight up or down. So I've done that. I don't want it to affect the entire picture. So I want the mask to turn black so it doesn't apply anywhere. I use this command right here so often that I use the keyboard shortcut command I on the Mac control I am Windows. I'm gonna type that. That means invert. Then I would grab my paintbrush and I'm gonna paint right on that guy. And if I hide the adjustment layer, here's before See how he jumped out. There's after now. He's kind of disappearing, and it's just a little too much. I could either back off on the curves adjustment or go up here to my opacity slider in lower it toe. Lessen the effect. Good enough. But what we're doing here is we're adding contrast if we make it steeper between two dots and we're reducing contrast if we're making them similar and height. But unlike using brightness and contrast, the adjustment with brightness and contrast, it's thinking about specific brightness levels all the time. Like 25% gray is a let's say, highlight in 75%. Gray is a shadow, and you can't have it deviate from those. But here we get to plug in exactly what should be brightened in exactly what should be darkened. So we look at an object when we say, Let's look at the bright area of it in the dark area. Add dots for it. Neither make it steeper between the two to make the detail pop out or make it more similar to make it harder to see the detail. So lots of things I could do here I want a dark in the road that's in the distance, so curves adjustment layer. If it's just darkening. One dots fine, just one dot pull straight down, then I don't want it to apply to the entire image. So I typed command. I remember that's invert control. I am windows. I grabbed my brush, and if I paint with white, I can paint in the change and I can darken up that road. You just have to be careful with your painting, which I'm not doing right now, because I'm trying to get you to learn about curves, not about how to paint. But now if I hide that adjustment, turn it back on, you can see the darkening effect, and I could just be more careful with my painting to be better at it. So there's all sorts of things we can do with curves, but it's my favorite adjustment. It does take a while to get used to, but I think it's really worth it.

Class Description

All individual classes that make up this bootcamp are also available here for individual purchase.

  • Develop an understanding of how Photoshop works
  • Create your ideal workspace
  • Configure the essential preference settings
  • Set up Adobe Bridge and Lightroom for optimal integration with Photoshop
  • Navigate multiple images seamlessly

Adobe® Photoshop® 2020 is a feature-rich creative force, perfect for turning raw ideas into audience-wowing images. With Ben Willmore as your guide, you can master it faster than you think and take on a new decade of projects.

Ben takes you step-by-step through Adobe Photoshop 2020 as only he can. With an easy pace and zero technobabble, he demystifies this powerful program and makes you feel confident enough to create anything. This class is part of a fully-updated bundle – complete with 2020 features and more efficient ways to maximize the tools everyone uses most.

Whether you’re a 20-year designer or you’re opening the app for the first time, this is the perfect way to learn and love using Photoshop. From retouching to masking to troubleshooting, Ben unpacks all the essentials and hidden gems, while giving you real-world examples to drive each lesson home. By the end of the class, you’ll feel eager to make serious magic with Photoshop 2020.

  • Beginner, intermediate, and advanced users of Adobe Photoshop.
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Adobe Photoshop 2020 (V21)

  1. Introduction To Adobe Photoshop 2020
  2. Bridge vs. Lightroom
  3. Tour of Photoshop Interface
  4. Overview of Bridge Workspace
  5. Overview of Lightroom Workspace
  6. Lightroom Preferences - Saving Documents
  7. How To Use Camera Raw in Adobe Photoshop 2020
  8. Overview of Basic Adjustment Sliders
  9. Developing Raw Images
  10. Editing with the Effects and HLS Tabs
  11. How to Save Images
  12. Using the Transform Tool
  13. Making Selections in Adobe Photoshop 2020
  14. Selection Tools
  15. Combining Selection Tools
  16. Using Automated Selection Tools
  17. Quick Mask Mode
  18. Select Menu Essentials
  19. Using Layers in Adobe Photoshop 2020
  20. Align Active Layers
  21. Creating a New Layer
  22. Creating a Clipping Mask
  23. Using Effects on Layers
  24. Using Adjustment Layers
  25. Using the Shape Tool
  26. Create a Layer Mask Using the Selection Tool
  27. Masking Multiple Images Together
  28. Using Layer Masks to Remove People
  29. Using Layer Masks to Replace Sky
  30. Adding Texture to Images
  31. Layering to Create Realistic Depth
  32. Adjustment Layers in Adobe Photoshop 2020
  33. Optimizing Grayscale with Levels
  34. Adjusting Levels with a Histogram
  35. Understanding Curves
  36. Editing an Image Using Curves
  37. Editing with Shadows/Highlights Adjustment
  38. Dodge and Burn Using Quick Mask Mode
  39. Editing with Blending Modes
  40. Color Theory
  41. Curves for Color
  42. Hue and Saturation Adjustments
  43. Isolating Colors Using Hue/Saturation Adjustment
  44. Match Colors Using Numbers
  45. Adjusting Skin Tones
  46. Retouching Essentials In Adobe Camera Raw
  47. Retouching with the Spot Healing Brush
  48. Retouching with the Clone Stamp
  49. Retouching with the Healing Brush
  50. Retouching Using Multiple Retouching Tools
  51. Extending an Edge with Content Aware
  52. Clone Between Documents
  53. Crop Tool
  54. Frame Tool
  55. Eye Dropper and Color Sampler Tools
  56. Paint Brush Tools
  57. History Brush Tool
  58. Eraser and Gradient Tools
  59. Brush Flow and Opacity Settings
  60. Blur and Shape Tools
  61. Dissolve Mode
  62. Multiply Mode
  63. Screen Mode
  64. Hard Light Mode
  65. Hue, Saturation, and Color Modes
  66. Smart Filters
  67. High Pass Filter
  68. Blur Filter
  69. Filter Gallery
  70. Adaptive Wide Angle Filter
  71. Combing Filters and Features
  72. Select and Mask
  73. Manually Select and Mask
  74. Creating a Clean Background
  75. Changing the Background
  76. Smart Object Overview
  77. Nested Smart Objects
  78. Scale and Warp Smart Objects
  79. Replace Contents
  80. Raw Smart Objects
  81. Multiple Instances of a Smart Object
  82. Creating a Mockup Using Smart Objects
  83. Panoramas
  84. HDR
  85. Focus Stacking
  86. Time-lapse
  87. Light Painting Composite
  88. Remove Moire Patterns
  89. Remove Similar Objects At Once
  90. Remove Objects Across an Entire Image
  91. Replace a Repeating Pattern
  92. Clone from Multiple Areas Using the Clone Source Panel
  93. Remove an Object with a Complex Background
  94. Frequency Separation to Remove Staining and Blemishes
  95. Warping
  96. Liquify
  97. Puppet Warp
  98. Displacement Map
  99. Polar Coordinates
  100. Organize Your Layers
  101. Layer Styles: Bevel and Emboss
  102. Layer Style: Knockout Deep
  103. Blending Options: Blend if
  104. Blending Options: Colorize Black and White Image
  105. Layer Comps
  106. Black-Only Shadows
  107. Create a Content Aware Fill Action
  108. Create a Desaturate Edges Action
  109. Create an Antique Color Action
  110. Create a Contour Map Action
  111. Faux Sunset Action
  112. Photo Credit Action
  113. Create Sharable Actions
  114. Common Troubleshooting Issues Part 1
  115. Common Troubleshooting Issues Part 2
  116. Image Compatibility with Lightroom
  117. Scratch Disk Is Full
  118. Preview Thumbnail


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Personal Tax Senior, London, Great Prospects, CTA Study Support

Job Title Personal Tax Senior, London, Great Prospects, CTA Study Support
Contract Type Permanent
Contract Duration n/a
Sectors Personal Tax,
Location London
Salary £31000 - £37000 per annum, Benefits: Range of benefits
Job Published over 3 years ago
Our Reference 4119a
Who to Contact Victoria Knowles
Contact Email

Job Description

Why join?

This is an exciting firm that has undergone a number of important changes in recent years. The London practice has the full support of the senior partners in the firm to invest and grow the personal tax team. The new tax partners want to shift the focus of the team from compliance to advisory work. The firm has a high quality client list that provides plenty of opportunity for good quality work. The partners are busy minining the client base and winning new work from much larger firms.

This is a compliance and advisory focused role.You will manage a broad private client portfolio with clients ranging from, HNWI, estates, partnerships, non-doms, and trusts. You will also gain exposure to business tax issues.

In return for your hard work the firm offers you:
•a competitive salary and comprehensive benefits package (pension scheme, season ticket loan, child care scheme, purchase of additional holiday)
•a staff bonus scheme based upon the firm’s performance
•a staff incentive scheme in respect of new work and staff referrals regular technical and skills training
• a real opportunity to move towards manager as you increase your advisory and management skills

At Creative Tax Recruitment we work with our candidates to solve their problems - the true meaning of consultancy. Quality of service is the key to our success. Experience has taught us that to achieve a perfect match there is no substitute for personal contact and attention to detail - whether recruiting for a tax senior or tax partner. As part of our on-going commitment, you will benefit from a number of advantages that come in dealing with a niche consultancy such as a pro-active approach to your job search (we will not sit around waiting for the right role to appear); effective salary negotiation on your behalf and a dedicated Consultant to discuss your requirements.

Know someone who would like to talk to us? Refer a friend and receive £500 when we place them in a new job

Creative Tax Recruitment is acting as an employment agency in relation to this role. Creative Tax Recruitment is committed to equal opportunity and diversity.

Ref: 4119a Published: over 3 years ago

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Published: about 23 hours ago


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Editorial Disclaimer

Surprise Cruise Expenses to Watch Out For

Surprise Cruise Expenses to Watch Out For

If you’ve researched all the affordable vacation options for families, you are probably aware just how cheap cruising can be. Not only are cruises easy to cover with flexible travel credit cards, but their per person fares tend to be extremely low. For example, discount cruise line MSC Cruises offers seven-night cruises on their new ship, the MSC Seaside, starting at just $439 per adult.

But, fare prices are only one part of the equation; it’s what is included in a cruise that makes them such a good value. Not only does your cruise fare cover the costs of your lodging, but you get all your meals, snacks, and entertainment covered, and all while being hauled around to different ports. Some cruise lines also let kids tag along for free, which can help you save even more.

7 Hidden Cruising Expenses You Should Know About

Push all those benefits aside, however, and you’ll see that cruising has a dark side not everyone knows about. While cruise fares can be inexpensive on their own, there are plenty of “extras” and “gotchas” you should prepare for. While some of these added expenses can be avoided, others are just part of the deal.

Hidden expenses of cruising can include:

Mandatory tips

When you compare cruises online, it’s important to note that almost all cruise lines charge a mandatory fee for tips that’s assessed on top of the cruise prices you’ll see. You typically have the option to prepay your tips or pay for them at the end of your cruise, but you typically can’t avoid them unless you complain and ask they be taken off your bill.

But, how much are tips? While it depends on the cruise line, most charge a nominal daily fee ($10 - $15) per passenger. As an example, Carnival Cruise Lines automatically adds on $12.95 per day per guest for regular cabins and $13.95 per day per guest for those who book suites.

Alcohol and other drinks

While it’s possible to find cruise deals that include unlimited beverage packages, you’ll have to pay separately for alcohol if your package doesn’t include it. Many cruise lines also add an automatic gratuity to drinks you purchase on-board. Also keep in mind that other drink choices can be limited for those who don’t have a drink package of any kind. Some cruise lines only include coffee and tea as included beverages, and you almost always need to pay extra for soda.

While a few drinks here or there may not break the bank, spending a week or longer on a cruise can become costly if you’re a big drinker or someone who drinks pop with every meal.

While cruising makes it easy to see several destinations or islands in one trip, it’s important to remember your cruise fare doesn’t cover any activities while you’re in port. You can get off the ship and walk around for free, but you may get bored unless you plan an activity.

Unfortunately, cruise excursions can be extremely expensive – especially if you book through your cruise line. Even a simple snorkeling trip can cost $80 or more depending on which port you depart from. Make sure to play around with your destinations through a website like Viator.com to see how much excursions cost where you’re stopping, then add the costs of activities you’re interested in into your cruise budget.

Upgraded dining options

Cruising makes budgeting for your trip easy since all your on-board meals are included, but that doesn’t mean you won’t get sick of the “free” options you get. Most cruise ships have at least one large buffet and a main dining room you can eat in for your main meals, but they also offer “upscale” dining option you can choose for a price.

If you’re someone who gets sick of buffets (who doesn’t?) or knows they don’t want to eat in the same restaurant for a week or longer, definitely make sure you check your cruise ship’s dining options to see what’s available and how much a special meal might cost.

Certain onboard activities

No matter what, hanging on the deck of your cruise ship is free. You can also spend your ship days swimming or participating in on-deck activities like ping pong or exercise classes. However, most ships offer some activities at an upcharge.

It depends on the ship, but expect to pay a nominal fee if your cruise ship offers mini golf, zip lines, or a movie theater and you want to take advantage.

Internet service

While most hotel chains offer internet service as part of their bare minimum lodging package, cruises consider internet service an add-on. This means that, even though internet on cruise ships is notoriously slow, you will still need to pay if you want access.

How much will you pay? It depends on the cruise line you choose and the specific ship you’ll sail on, along with how much data you want access to. Most of the time, you can get a basic browsing package for less than $50. However, packages with more data or more allotted internet time can cost hundreds of dollars.

Laundry is another “extra” charge you need to be aware of if you need to have clothing washed on-board. Most cruise ships offer laundry service where you can pay a per piece charge to have your clothing washed and returned to your room. However, the prices can be steep – up to $10 per garment for certain types of clothing.

If you know you’ll need laundry service before your cruise, it can help you prepay for a laundry package. Very often, a prepaid package will allow you to secure a lower per-piece rate than if you set up laundry service on-board. Or example, the MSC Divina from MSC Cruises offers a 40-piece laundry package for around $50 on some of their itineraries.

The Bottom Line

If you’re trying to save money on your next cruise, there are plenty of ways to accomplish this goal. You can sign up for a travel credit card that makes it easy to book a cruise with points, for example. You can also shop around among cruise lines to find the best deal for your desired dates and itinerary.

Last but not least, make sure you know about all the hidden costs of cruising so you can plan accordingly.

Editorial Disclaimer: Information in these articles is brought to you by CreditSoup. Banks, issuers, and credit card companies mentioned in the articles do not endorse or guarantee, and are not responsible for, the contents of the articles. The information is accurate to the best of our knowledge when posted; however, all credit card information is presented without warranty. Please check the issuer’s website for the most current information.

Advertiser Disclosure

CreditSoup is an independent, advertising-supported comparison service. The offers that appear on this site are from companies from which CreditSoup receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditSoup does not include all companies or all offers available in the marketplace. CreditSoup may use other proprietary factors to impact offer listings on the website such as consumer selection or the likelihood of the applicant’s credit approval.

Editor’s Rating

Our editors review each credit card and provide our ratings based on the features the credit card offers consumers including the fees, interest rates, benefits, rewards, and how it compares to other credit cards in its category. Card ratings may vary by category as the same card may receive a different rating based on that category.

CreditSoup.com may be compensated by companies mentioned on our site when a consumer’s application is accepted or approved by the company.


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CPL 2020 | Breaking News, Fantasy Tips, Match Schedule, Timings | CricTracker.com

CPL 2020

Shoaib Malik CPL
CPL 2020: All players, staff, administrators test negative for COVID-19 after arrival

Cricket will make its return to the Caribbean islands after months of lockdown with CPL set to start from 18th August.

Fabian Allen
CPL 2020: Fabian Allen ruled out of the tournament after missing his flight

In the wake of the ongoing coronavirus pandemic, the country is under lockdown and travel restrictions made it impossible for Fabin to reach Trinidad.

Qais Ahmad
Qais Ahmad, Rahmanullah Gurbaz, Noor Ahmad set to miss CPL 2020

Among the three, Qais has played before in the CPL for the St Lucia Zouks and the Guyana Amazon Warriors.

Kieron Pollard of Trinbago Knight Riders
Kieron Pollard to continue as Trinbago Knight Riders (TKR) captain in CPL 2020

Due to the impact of the COVID-19 pandemic, the entire tournament will be held in Trinidad & Tobago this year.

Jason Holder
CPL 2020: Schedule, Squads, Match Timings, Venue, Live Streaming and all you need to know

The final is set to be played on September 10 (on September 11 as per IST).

Imran Tahir
Imran Tahir to be the only South African player to participate in CPL 2020

South Africa has so far witnessed over 4 lakh COVID-19 positive cases and over 7000 deaths.

Barbados Tridents
Caribbean Premier League (CPL) 2020 to start from August 18 behind closed doors; fixtures announced

The tournament will be spread across August and September and 33 matches will be played during these two months.

Saad Bin Zafar
CPL 2020: Pakistan-born Canadian cricketer Saad Bin Zafar picked by St Lucia Zouks

Saad Bin Zafar is a left-arm spinner who made his T20I debut for Canada in February 2010 against the United Arab Emirates in Abu Dhabi.

Pravin Tambe
CPL 2020: Pravin Tambe set to become the first Indian to play the tournament

The bowler is this time ready to follow all the norms and protocols for participating in CPL.

Barbados Tridents
CPL 2020 Draft: Here are the finalized squads of all six franchises

The most talked cricketer of CPL 2020 draft is Pravin Tambe as he would be the first Indian to play in the Caribbean league.


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Leading through Adversity: Michael Mogill + Atlanta Divorce Law Group

4–5 minutes to read

With all the confusion and uncertainty, it can be difficult to decide what the best strategy is to navigate your firm through this. To help provide some clarity, Crisp Founder & CEO Michael Mogill sat down with Sara Khaki of Atlanta Divorce Law Group to discuss her high-energy approach to making sure both her business and her team come out better on the other side.

See their full conversation below:

4:18 Prepare for future challenges. “I need to think about what are the challenges my team and my clients are going to face two months from now, three months from now, and what are the marketing messages that I need to be ahead of and have planned out. That will keep you from going insane. That will keep you from driving your people crazy, your team crazy. That will give your clients the self-assurance that you’re not taking them through a roller coaster ride of being reactive to last-second news. You are building a future for them because you’re building a future for yourself.”

6:02 Build a future mindset. “I understand this is going to be tough and you laid people off, but what lessons can you learn from that? Because you can’t say something happened that was out of your control and you have to let go of people. You’re a business owner, you’re not in control over anything. You never were. Every day was filled with the unknown. You just weren’t aware of it. Now build with that mindset for the future and give your team the security and the self-esteem and the love that they deserve when they come to work for you.”

8:30 Being there for the team. “Our job as leaders is to remove the obstacles out of our team’s way so they can do their work. Right now, some of those obstacles might be some very personal things. It might be the need for a mental day to take a break from all the stress of parenting, educating their kids, worrying about the health of the elderly, and then having to do work. So every morning we have that call and I check in with every single person and ask, ‘How was your day, how was yesterday, what do you have on your plate and what obstacles can I help remove for you?’”

9:41 We are in a marathon. “If you’re doing that whole ‘fake it until you make it’ routine with your team and you’re putting them in a position where they feel that they have to fake it until you make it, the whole thing is going to come crashing down. It’s not a sprint, we’re in a marathon. This is not going to be just two or three months or whatever. This has changed the entire playing field. For those of us who love and celebrate change, will accept it, we will welcome it, and we will find it as a way to improve our firm and improve our team and improve as leaders.”

11:55 Step the game up. “I also think that as far as marketing goes, everybody’s going to step up their game and have to be a lot better at it. Putting out a website that just says, ‘I’m here and this is my virtual business card,’ will just not do. You have to connect now with your clients more than ever. Whether that is making a video or that is calling your clients one by one and touching base with them, or doing Zoom meetings like this with them. People are going to their trusted resources more than ever now.”

15:13 Celebrate the team. “I think it’s important for your team to know where the scorecard is. Here’s how we’re doing. Today on our daily call this morning, I gave them the scorecard for March. I celebrated them. The fact that despite everything, in March we actually beat the budget. We beat the number of new clients we wanted to bring in. Our quality, everything was on par. So I celebrated that with them. Just put the data in front of them and let them know what you expect. But none of that nagging, none of that, “I am sitting here busting my butt for you guys and working and hustling so I can keep you your job.” If you’re going to be that leader, they’re watching and they will not stick around too long.”

16:00 Become a better leader. “For those of us who are deciding to step up and to be better leaders than ever when all this is done, we will most likely have a much better labor market to tap into than ever before. I would hate for somebody, because of fear, to lose their A-team players to Michael Mogill or to Sarah Khaki because we’ll scoop them up. They saw how you performed during this time and we’re only going to grow from this. This is not the time to come across as the desperate leader who is nagging at the team. This is the time to influence them and to help them self-motivate themselves and really show them compassion.”

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Aarogya Setu app registers 9 crore downloads: Niti Aayog CEO

Read Article

Aarogya Setu, a government app for tracking coronavirus patients, has recorded close to 90 million (9 crore) downloads till date, and is being updated with features like telemedicine, Niti Aayog CEO Amitabh Kant has said.

The Centre has made it mandatory for government and private sector employees to use Aarogya Setu mobile application to bolster the efforts to fight COVID-19 pandemic, and entrusted the organisational heads with ensuring its 100 per cent coverage.

“The Aarogya Setu app has close to 90 million downloads till date & is being regularly updated, with feature like telemedicine being added,” Kant told reporters in a media briefing.

The mobile application helps users identify whether they are at risk of COVID-19 infection. It also provides people with important information, including ways to avoid coronavirus infection.

Kant, who also heads the Empowered Group 6 on coordinating with private sector NGOs and international organisations to tackle coronavirus outbreak, said the panel has mobilised more than 92,000 NGOs/CSOs registered on NGO Darpan.

“EG 6 has made an appeal to NGOs and CSOs (civil society organisations ) to assist states and districts in identifying hotspots, deputing volunteers and helping people in need,” he said.

Kant also pointed out that the 112 aspirational districts of India are leading India’s fight against COVID-19.

“As of now there are about 610 cases in 112 aspirational districts which is considered fairly low at less than 2 per cent of the national level of infections,” he said.

Kant pointed out that the EG 6 has mobilised various UN Agencies and facilitated them in creating timely response action plans in coordination with various states and line ministries through intensive collaboration with the UN Resident Coordinator for India, and country heads of WHO, UNICEF, UNFPA, UNDP, ILO, UN Women, UN-Habitat, FAO, World Bank, and Asian Development Bank.

If you have an interesting article / experience / case study to share, please get in touch with us at editors@expresscomputeronline.com

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Cross Gates

Primary School

Respecting Others, Learning Together, Moving Forward

Cross Gates

Primary School

Respecting Others, Learning Together, Moving Forward

Year 1

Updated 19h July 2019

Welcome to Year 1

Welcome to Year 1 and thank you for visiting our class page.  We hope to show you all the exciting things that happen in Year 1 so please do keep visiting us!

In Year 1, we have a fantastic team of support staff to nurture and develop your child to be the best they can be.  Working with Mrs Turner, the class teacher, we have

Mrs  Carr, Mrs Fisher and Mrs Tran

We have an open door policy, if you have any questions or queries regarding your child, please do ask.

Junk Model Day

On Wednesday the children took part in a Live Read with Thomas the Tank about Rail Safety. It was read by an Inspector working for the British Transport Police and the children also completed an interactive quiz.

Key Stage 1 and Foundation Stage had a wonderful time this morning at their traditional Sports Day - obstacle race, egg and spoon and 3 legged race to name a few!

Please come and support Year 1 on the Sweet Bingo stall at the Summer Fair. Many thanks for all your contributions - we have been very busy!

What a fabulous time we had at Temple Newsam today! The children behaved very well and were really interested in everything that we saw.

A big thank you to everyone for your support in the Maths Day yesterday - the children looked great! More photos to follow......

An afternoon spent using old-fashioned toys - dolls houses and jigsaws!

What can you do in a minute? How many times can you write your name? Can you complete a jigsaw? What number can you write up to?

This week the children have looked at some photos from the artist Carl Warner who creates photos of familiar scenes using food. It really caught the children's imagination and they have written some fantastic descriptions from it.  Here is an example below.

You might like to watch this short video with them.

Image result for carl warner uncle ben's

Contributions for Year 1 stall at the Summer Fair

Healthy Minds, Healthy Body Week: Yoga, Finding out where food comes from, Superhero Smoothies and Mindfulness activities.

Year 1 has a mouse living in the corridor who wants to know lots of things about the children! Please help by answering the questionnaire that they will bring home on Monday. Thank you

Summer 2 topic letter

Art Day - Learning Together

Fairy Tale fun - the children have been writing their own Fairy Tales using super vocabulary.

Year 1 Dance - have the children been singing 'Shotgun' by George Ezra at home?

Are the best toys made out of plastic? Year 1 have had great fun learning more about materials and their properties.

Simple multiplication in Year 1; making arrays using counters, Lego and multibase. Practising counting in 2s, 5s and 10s

Bikeability - the children showed great resilience even when the weather was bad!

St George's Day - descriptions, drama and designing shields!

Summer 1 Topic letter

Mindmate - lesson 4. Strong emotions.

The RNLI visited and the children learnt a lot about being safe in the water.

Mad about measure!

Bedtime story

Please come along to our Bedtime Story Event!

Red Nose Day

Science Week - investigating static electricity with Mrs Austin.

Science Week - Journeys of sneezes and airplanes!

Stone Soup - deepening our understanding of this traditional tale.

World Book Day - a big thank you to all the Parents and Carers in Year 1, the costumes were brilliant!

Spring 2 Topic letter - How does your garden grow?

Following our work on wild animals, Year 1 have adopted a leopard that is in danger.

Today the Year 1 children have played Snakes and Ladders to help them to understand 2 digit numbers.

Is it hot or cold there? - Year 1 have been travelling all around the world to hot and cold places!

NSPCC - Talking Pants

PSHE - NSPCC Talk pants letter

Mindmate - lesson 2. The children have learnt about how to recognise their friends' feelings. We used the book Elmer to help us.

Year 1 and 2 had a 'Pattern Day' where we had lots of fun doing maths investigations in the morning and making patterns in Art in the afternoon.

Spring 1 Topic letter

Christmas Party - Year 1 and 2

Nativity Dress Rehearsal

Christmas Jumper Day!

We are learning about 2d and 3d shape. The children have had lots of fun!

Trust book week - read and relax with the parents

Year 1 trip to the library

smiley Please come and join us at Cross Gates Library on Friday 30th November at 9.30 am where Year 1 will be choosing a new library book. Younger children are welcome to join us!

Trust Book Week - Paired reading with Year 5

PSHE - talking about feelings

Odd socks for Anti-Bullying Week

Autumn 2 Topic letter

Phase 3 phonics letter

Making models of animals from Sam's Safari

Autumn 1 topic letter


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Tagged: private debt

Private Debt and Real Assets could Potentially Offer Attractive Opportunities to Investors during COVID-19 Outbreak, BNP Paribas Executive Explains

David Bouchoucha from BNP Paribas’ asset management division has argued that private debt and real assets could potentially offer good opportunities to investors during the COVID-19 outbreak. Bouchoucha noted that these options can be attractive because private debt and real assets have proven to be… Read More

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