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Got a question for the trio?
2.14 – Mike opens with NIck’s question about a totally offset PPOR loan, dreams of building a portfolio, and some cash belonging to his parents sitting against the home loan.
12.45 – Mike quizzes Dave about his suggestions for our young family to potentially set their principle and interest loan to interest only.
20.26 – Dave talks about some of the risks that long-term thinkers can sometimes face when they take on too many investment properties in the early days, and then struggle to fund a family home.
24.34 – Cate shares a hint of next week’s show
25.16 – A sneak peak into next week’s show
25.55 – Mike opens Jess’s listener question about how to engineer their family home adventure, while managing an existing portfolio
30.28 – Dave overviews Jess and George’s scenario and he talks about postponing the move to the future family home
36.48 – Dave talks through some of the negatives associated with renovating immediately
39.09 – Mike breaks down the available options and Cate marvels that the listeners have received three, broadly ranging opinions from each of the Trio members.
44.50 – And our gold nuggets!
Listener Question 1 – Hi Dave, Cate & Mike – love the show and have been burning through your podcast backlog after discovering it a couple of months ago. I’ve listened to about 100 episodes now and have learned some great tips, particularly from your case study series. My wife and I have quite a unique scenario and we’re weighing up our next purchase and would love your help. Perhaps our scenario could become a useful case study for other listeners to learn from also.
Our PPOR home loan is fully offset but we plan to turn it into an investment property in the future. We are fortunate enough to have both our own savings in the offset account as well as some funds parked there by a parent, so don’t pay any interest. The loan repayments are P&I, therefore each month we are paying a big chunk of the principal owing, but only stick to the minimum repayment amount. After listening to so many episodes that mention preserving tax deductibility, I’m questioning whether this is the right strategy as there might be the potential to switch these loan repayments to IO, therefore minimising the monthly repayment amount and preserving as much future deductibility as possible. This also would help our cashflow/savings because we’d have more surplus cash each month to put towards our next purchase.
On the other hand, the more prinicpal that is paid off, the more borrowing capacity we may have for future lending if we refinance and do an equity release. There is also the chance that the parent takes their money out of the offset to use in the future and we’d therefore need to start paying interest again, so the lower the amount owing at that time, the better off we’ll be.
The Trio congratulates them on their achievement, particularly given their ages and the fact that they have a baby too. They have been cognisant of their cashflows and they have saved and managed their money superbly.
One twist to the story, however is that some of the total offset funds belong to Nick’s parents. While it helps with the interest repayments, the Trio talk about some of the challenges and risks that can result from arrangements like this.
From personal interest repayment arrangements to obligations and burdens that can be created, Cate talks through the emotional difficulties that some can face. And if the parents decide to ask for the money back, will this negatively impact the couple’s future plans.
Dave points out the importance of flagging a loan from parents as a sum that could be repayable on demand. He also unpacks the way that lenders view such arrangements, and maintains a pragmatic view for our listeners.
Nick also asks the Trio about converting their principle and interest rate to interest only… a perfect segue for Dave to discuss the merits of an interest only loan arrangement for disciplined investors.
Preservation of the loan balance leads to higher tax deductions, greater control of their money, cash buffers to go towards the future home, and enhanced choice going forward. It’s easy, but it’s not simple and so many people miss this incredible strategy. But…. it’s only for disciplined investors.
They are currently 100% offset, so although the interest rate is a little higher on interest only loans, I would suggest moving to I/O because you are preserving the loan balance, whereas P&I is reducing the loan balance.
Why take this action:
- By preserving the loan balance, you will have more tax deductions when you turn this property into an investment.
- You will also have a bigger cash buffer to go towards the future home
- because you are saving more money each month
- meaning you will need to borrow less to purchase the home
- and therefore, you will have less non-deductible or bad debt on the future home
- In terms of it impacting your borrowing capacity, this is basically netted off because:
- Yes, the existing loan will be greater, because you haven’t paid off the principal – let’s call it $50,000 that you haven’t paid off
- But that $50,000, is now in your savings, and can be used to lower the amount you need to borrow for the future home
- So, your loan amount for the future home, will be $50,000 less than otherwise required
- In essence, your end position will be very similar so any impact on borrowing capacity will be nil, or negligible
The Trio’s finale for Nick and his wife relates to their question about when and where they should buy.
Cate says, “It’s a very ambitious goal, and don’t let me separate ambition from reality. I think that the two can go hand in hand when you’ve got a great plan.”
Dave reinforces Cate’s point about the importance of planning and he offers some good questions for them to consider.
As part of the refinance of your loan to I/O, and find out what your borrowing capacity is if you were to purchase a new home.
You might discover that based on what you want from a home, you are going to need to sell or at least understand how difficult it is to purchase the 3rd investment, and then a home in 3-5 years.
You could also pay to model out a Property Plan, and multiple scenarios and pathways to reinforce:
- how achievable this plan is,
- how long you might have to wait to purchase the long term home, and
- if that changes your thinking regarding which property comes next.
Either way you will have more certainty around the way forward.
If it turns out that your next purchase should be a home, you could also be able to begin the process of determing your preferred location, suburbs, property type and track sale prices to ensure you know your market inside out so that when you are ready to buy, you can do so with great confidence.
I find that most people start this phase of the market analysis far too late, and it is a big reason many people take 6 – 24 months to purchase after getting the intial pre-approval.
- I always encourage our clients to begin this process of tracking the sales, visiting properties and locations as early as possible so they can start to become clear on what they want to purchase a home ahead of time.
- This often means the adjustment phase of realising their initial understanding of where value lies, and potential compromises need to be made is done in advance of when they are actually serious about purchasing.
- What this often does also, is brings forward the decision-making process and people get an AIP and purchase faster because they take a full holistic approach to purchasing and manage it like the serious project that it is, just as if they were managing a project in their workplace or business.
Obviously, you need to factor in that the parents money could be taken away at any given time, by the sounds of it, into all your planning – this is where modelling different scenarios could also be useful for you in our Property Planning software that you have lifetime access to.
A Property Plan may also be helpful for you with a specific focus on the key numbers for your Next Purchase which is something we can assist you with also if that isn’t clear
Mortgage Strategy Advice
- Make sure you plan your loan approval and purchasing while you are both are working and your incomes look the strongest on paper.
- With your wife being self-employed, lenders will normally look at the last two years completed tax returns.
- However, if it has ticked over into the new calendar year, they will generally require the last years’ tax return to be completed so you need to be mindful of this and what each years returns show.
- For example, if last years was really good, the year before not as good, some lenders will just go off the previous year, some will take an average of both years.
- Or if the year just finished wasn’t as good, then you want to aim to get approved and purchase of the two years prior subject to where your borrowing capacity sits.
- And be mindful that you want to purchase during that calendar year, or the lender may require you to provide the most recent years returns that are weaker.
Obviously, this is all prefaced by you should only borrow based on what you can comfortably afford with a plan for rate rises of 2-3%, and setting goals of your preferred cash savings buffer and monthly cash flow buffer as ultimately those two numbers should drive your purchase price.
How much you want in the bank at settlement to feel secure
How much you want to be able to save each month after all your expenses
Side question… if you do make a mistake and pay down too much of a loan before you plan on switching from PPOR to an investment, couldn’t you just refinance back up to 80% LVR in order to again maximise the tax deductibility of the loan interest?
Dave and Cate shed light on “The Purpose Test”, and the rationale that the ATO apply when it comes to deductable debt.
A lot of people think you can just refinance and redraw the money back up to 80%, then claiming it as a tax deduction, but you cannot do this.
- You only get one chance to borrow to purchase an asset and that is when you buy it.
- If you redraw your money up to 80%, where will that money go?
- If you offset the same loan there is no benefit of redrawing it, so in most cases people will then use it to fund the next purchase, which is often the new home or even renovating an existing home.
- But the home isn’t deductible.
- Therefore, this new portion of the loan would be non-deductible, and the other portion deductible.
- This can make the deductible portion less efficient because any repayments would be equally apportioned to the deductible and non-deductible debt from an interest claiming tax perspective.
- If you were to claim the interest, even though that new money redrawn up to 80% wasn’t used to purchase the property initially, you would be breaking the law, and if audited would have to repay the interest and possibly face a fine.
A lot of people think you can do this and claim the interest, but that is confusing the loan account that was used to fund the investment, with when you borrow the money, and what it is used for.
This is often called the Purpose Test. What was the Purpose of the money.
- Loan initially was borrowed to pay for the investment property. Lets say balance is $800k.
- You then pay down loan over time. Let’s say down to $400k
- Usually years later, you refinance and redraw the loan and essentially borrow new money, and then use that new money to pay for the new home.
$800k loan again, but $400k for initial purchase, $400k redraw/refinance which is then used to fund new home.
Plus the new loan you get to pay for the remainder of the cost of the new home.
Listener Question 2 – Long-time listener, first time question. Have used Ryan at Property Planning Australia for our last purchase (thanks – was very good). We’ll be coming back his way for future ones.
We have 3 properties;
Investment property – Parkside: Husband owns 100%. We moved out in 2017 when second child was near to get a bigger property. Currently rented for $525 pw and about $200k owning on interest only loan. Valued at about $1m.
Current PPR – Glandore. Paid, $735k now worth about $1.2m – owing $680k on P&I loan. Have $200k in offset.
We wanted to move into the suburb and property we want to raise our family prompted by significant road works about to happen near our Glandore property.
We purchased Torrens Park for $2m in May 2022. We rented it out to allow us time to plan for renovations we’d like to make and save up a bit more. However, 14 Interest Rate rises later we haven’t been able to save as much as we hoped. This property is rented out for $1050 pw and provides significant negative gearing benefits.
We would like to move into the Torrent Park property next year when the lease is up. We plan to do a modest renovation at about $150k to the upstairs of the house, then would like to undertake a larger renovation about $1m in the next 2-4yrs. Question… which options provide the best outcome in the long run and also for now given the higher interest rates;
1. Should we sell Glandore pay no capital gains and place towards to Torrens Park offset. approx. $500k.
2. Should we sell Parkside – Husband owns a business so we can reduce the Captial gains via tax brackets – approx. think this would bring about $700k towards Torrens Park offset.
3. Hold both properties, wait for further capital gains and sell later to pay down more of Torrens Park.
Our cash flow would allow us to do this, however we’d have only $50k in offset which makes us nervous. Ultimately, we’d like to keep one or two investment properties for retirement.
Cate speaks about the importance of happiness when it comes to the family home, whereas Dave talks about the need to consider postponing the move into their family home. He speaks about setting up the goals in stages, alongside a robust financial plan, and Dave spells out each of the five important stages.
Cate shares two real life experiences for our listeners that involve a two and three step renovation that moderates the expenditure and the risk of overcapitalisation.
Dave shares from a financial perspective, what would be the best course of action – our listener would be best off postponing moving into the long-term home until such a time that you can hold all three properties.
This would allow your equity and savings to grow in all three, your personal and rental income to increase, and your debt or net debt after offset to reduce until you are in a position that you can complete the renovations in full and hold all three.
However, it appears that the pull of Lifestyle preferences is outweighing the pure financial return outcome (as it so often does). This is a very, very common pattern.
- Stage 1 – Begin aggressively accumulating property for wealth creation.
- Stage 2 – Plan for and possibly start a family.
- Stage 3 – Lifestyle and the family home becomes the top priority
- Stage 4 – Compromises are made, property is sold to optimise the family home and lifestyle outcome.
- Stage 5 – Once the long term family home is bedded down and you are back into a strong enough financial position, focus on investment returns once more.
However, if they are resigned to selling a property, Dave has the following advice: Just doing the maths, you have renovation expenses of around $1,150,000.
And from my experience this could increase, especially if you wait 2-5 years, when it might end up being anywhere from $1.2m to $1.5m.
If we do the numbers on each property –
Sell Parkside – You get around $800k or so less any tax.
- Husband owns 100%.
- We moved out in 2017 when second child was near to get a bigger property.
- Currently rented for $525 pw and
- about $200k owing on interest only loan.
- Valued at about $1m.
Sell Glandore – Your current home and significant public works get around $500k,
- Paid, $735k now worth about $1.2m – owing $680k on P&I loan.
- Have $200k in offset.
- Provides $500k from sale.
The key considerations –
- Working out if you have to sell Parkside to complete the renovation, or if you can get by with selling Glandore, despite not getting as much cash from the sale.
- The advantage of selling Glandore is that you maintain more equity across your portfolio given you have $800k of equity on Parkside, and only $520k on Glandore.
- Which property is the better quality asset – sounds like Glandore might have its issues with the public works.
- Given both have been a PPOR, understanding the tax implications of selling Parkside and how that impacts the cash position is something you should do, but this may not be a lot given it was the PPR for a period of time so the CGT will only proportionate to the period it was an investment.
Scenario mapping on selling Glandore
If you sell Glandore you have around $500k from the sale and the $200k you have in offset.
So this means that you will have $650 – 700k cash to go towards a renovation of $1m to $1.2m, although it may be more?
Therefore, can will need to borrow $350k to $550k at least.
And really, given your debt position, you run a business and have young children, I think that I would like to see you with a buffer of at least $200k that you currently have maintained.
- So that really means needing to borrow $550k to $750k.
- Keeping in mind you will be paying out the $680k loan on Glandale so you overall debt position would remain the same, but you would be losing some rent.
- You might even be able to sell and keep that loan and just have it secured against the new home in Torrens and the Parkside property which will be worth $3m in combo x 80% = $2.4m.
Your debt is $200k on Parkside,
If you kept the loan open for the $680k if possible,
That would mean as long as the Torrens loan is under $1.52m you have the equity.
- Then effectively all the funds from the sale can offset the home loan on the house you move into and be drawn down to fund the renovation.
- The benefit of using your own cash is you have complete control of the construction phase and don’t rely on the bank.
Once you decide the pathway, it is worth asking yourself if you should bite the bullet now and sell and renovate sooner, while you live in one of the current properties.
- Could this save you the $150k you plan to spend on the first smaller renovation?
- With inflation, could this mean the full reno is cheaper than if you waited 2-5 years?
- Could there be less personal upheaval and hassle with living arrangements with one renovation rather than two?
- Could this provide a longer period of stability in the full renovation or built new house
- You might lose out on extra capital growth and equity built up over that period of 2-5 years
- Your overall financial position could be improved over the 2-5 years to mean that the step to complete the full build is less financially onerous.
Cate Bakos’s gold nugget: Cate likens a long term debt reduction strategy to that of a Grand Prix. From coordinating break times, fueling up at pit stops, and maintaining a long term focus, it shouldn’t be a short, face race.
Dave Johnston’s gold nugget: The lifestyle vs investment conundrum is such a consideration. People have to decide how much, ultimately they will put into a family home. It’s unique to every family and every couple, and it takes clear communication and patience.
Mike Mortlock’s gold nugget: The end goal cannot be pushed too far away. Is buying an investment property pushing the family home purchase too far down the road?


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Huck & Lilly
Tuesday, May 30
P.O. Box 4730, County Road 30A
Seaside, FL 32459
On Tuesdays and Thursdays at 6:00 PM, Huck & Lilly will perform LIVE at the Seaside Amphitheater. Bring a chair or blanket, along with refreshments and beverages, and enjoy the performance. Free and all ages are welcome.
Ken Johnson and Andi Zack-Johnson, performing as Huck and Lilly, specialize in music for children and their parents.
Families frequently congregate at the Seaside Amphitheater in the center of Central Square for live music, outdoor movies, annual celebrations, children’s activities, and other enjoyable events.

domain: artistic


The National Audubon Society protects birds and the places they need, today and tomorrow.
The National Audubon Society works throughout the Americas using science, advocacy, education, and on-the-ground conservation. State programs, nature centers, chapters, and partners give Audubon an unparalleled wingspan that reaches millions of people each year to inform, inspire, and unite diverse communities in conservation action. A nonprofit conservation organization since 1905, Audubon believes in a world in which people and wildlife thrive.
Audubon Rockies is the regional office of the National Audubon Society for Colorado, Wyoming, and Utah. Using science, outreach, and policy, we holistically address the core threats facing birds in our region. We are an inclusive, nonpartisan bird conservation organization that collaborates with diverse stakeholders in order to find solutions that better birds and communities. We believe that where birds thrive, people prosper.
"Please consider this organization as deserving of funding. Our kids count on the trip [to Four Mile Ranch] each year and we consider this experience as one that cannot be replaced. Thank you."
-Justin S. Cowan, Principal, Pagosa Springs Elementary School
"Audubon Rockies is a valuable ally in our efforts to restore health to the land and bring quality meats to homes and restaurants nationwide."
-Dan Lorenz, Co-founder, Corner Post Meats, Colorado Springs, CO
"Audubon has been an active leader in the collaborative development of Wyoming's Greater Sage-Grouse Core Area Protection strategy. They continue to be a strong voice for the conservation community in developing innovative solutions."
-Former Wyoming Governor Matt Mead
"By distributing its free, easy-to-read booklet on Colorado surface water law to legislators and other decision makers, Audubon Rockies has helped assure that decisions about water planning in Colorado are being made by people who have a convenient way to become conversant about current laws."
-Robert Stocker, Denver, CO.
"I thought I knew a lot about gardening, but I learned a whole new approach to planting native plants to attract native species."
- Judy Richter, Habitat Hero workshop participant
"I have had [Community Naturalist] Jacelyn coming to my classroom for about nine years now. She always does an amazing job of bringing enthusiasm to first graders with hands-on science activities. The kids talk about her lessons long after she is gone, which is saying a lot."
-Jodi Feck, Teacher, Highland Park Elementary, Sheridan, WY


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For all you Princesses who grew up with Disney movies and haven’t been ready to compromise on the expectations those flicks instilled in you about life, values, love and friendship, we have great news. You don’t need a full costume to turn into the Disney Princess of your liking and you don’t have to wait for Halloween or a costume party, either. This summer you can turn into your favorite childhood character even on the beach, with the ingenious fairytale-inspired swimming costumes from Enchanted Bikinis.
The startup brand offers bikinis modeled after a whole host of characters, with each one being lovingly produced by hand. “Our mission is to let the princess in you glow and enchant everyone and everything around,” they write on their official website.


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Republic Airways (RJET) December RPMs Flat Year-Over-Year
- Wall St ends flat; Disney, retailers dip on sales worries
- Why Martin Shkreli ONLY Cares About KaloBios Pharma's (KBIO) Stock Price
- China stocks tumble most since summer slump as brokerage probe widens
- FBR Capital's Ives Sees Growing Apple Watch Interest (AAPL)
- Target (TGT) Notes Strong Black Friday Sales Start; Apple, Giant Stuffed Teddy Bear Lead Charge
Republic Airways Holdings (NASDAQ: RJET), today reported preliminary passenger traffic results for December 2012. The Company generated approximately 1.7 billion revenue passenger miles (RPMs), essentially the same as December of 2011, on a 4% decrease in capacity to 2.1 billion available seat miles (ASMs). Block hours were 1% less than December 2011 at 76,837. Consolidated load factor was 82% versus 79% in the same month last year. Republic Airways passenger traffic increased 2% from the prior year.
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domain: economics


Beck Technology takes pride in providing the highest possible level of customer support. Our support team can assist in project specific user questions and IT related issues. We also highly encourage customers to get involved in product improvement by discussing enchancement ideas with us. Much of our development efforts are a direct result of client feedback.
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Early ‘Terminator: Dark Fate’ Reactions Prove That Not All Sequels Suck
In a generation that's either witnessing film franchise revivals, hating on reboots or lapping up news of sequels, we're constantly faced with rants. Rants about why we shouldn't touch classics and to be fair many a cult films have been ruined by franchise killers. Just look what X-Men: Dark Phoenix did, burning the mutant saga to the ground. It's no wonder that Terminator: Dark Fate was met with much skepticism ever since word of the upcoming film got around. So Dark Fate wasn't off to a good start but early reactions to the film are singing a completely different tune. The next Terminator film opened to select audiences and their reactions are making all kinds of waves.
The first reviews of Terminator: Dark Fate have arrived on the internet and fans better prepare a pleasant surprise. The film casts Arnold Schwarzenegger and Linda Hamilton in their reprised roles and while it may look like a reboot set up for failure, the film proves to be a satisfying sequel if early reactions are to be believed. Check out what the first reviews say about the movie:
Terminator: Dark Fate is basically Terminator: The Force Awakens. A satisfying, exciting reboot that’s essentially the best parts of T1 & T2 in a blender. Davis, Reyes & Hamilton are excellent, the action wows & while it’s familiar, it’s easily the best T3 yet. Terminator is back pic.twitter.com/W1emrXIq5C— Germain Lussier (@GermainLussier) October 21, 2019
TERMINATOR’s thought of as Arnold’s franchise. DARK FATE makes it clear he wasn’t the key ingredient that made it work. It was Linda Hamilton. She’s incredible in this, and the movie’s very solid. (I recently defended all the TERMINATOR sequels, so make of this what you will.) pic.twitter.com/3JSsac7LrL— Matt Singer (@mattsinger) October 21, 2019
I was skeptical of TERMINATOR: DARK FATE. Thought the trailers were not great. But I would up enjoying it quite a bit, and the difference maker (vs the other post T2 sequels) is Linda Hamilton. It’s always been HER story and Hamilton adds the needed weight here.— Mike Ryan (@mikeryan) October 21, 2019
I've been a fan of Mackenzie Davis since seeing her in 'Halt and Catch Fire'. But she takes it to another level in #TerminatorDarkFate where she kicks all kinds of ass. If you like her work in Dark Fate, go back and watch #HaltandCatchFire. pic.twitter.com/P5gnqoXjFL— Steven Weintraub (@colliderfrosty) October 21, 2019
Oh the film, you ask? It’s solid. Super well articulated action. Linda Hamilton is aces. Easily the best sequel since T2. #DarkFate takes The Force Awakens’ “if it ain’t broke, don’t fix it” mentality to Cameron’s films and turns out it ain’t broke.— Haleigh Foutch (@HaleighFoutch) October 21, 2019
Excited to report Terminator: Dark Fate is the best sequel in the franchise since T2. It's a "return to basics" movie — reminiscent of Star Wars: The Force Awakens in that way — but the new heroes are fantastic, it's great to see the legends kicking ass, and the action is great. pic.twitter.com/aAHSXhFyA4— Evil Eric Eisenberg (@eeisenberg) October 21, 2019
#TerminatorDarkFate is easily the best Terminator movie since T2. Has some fantastic action and loved how the film features 3 female protagonists that all kick-ass. So awesome seeing Linda Hamilton back as Sarah Connor. pic.twitter.com/15Yb6cC18W— Steven Weintraub (@colliderfrosty) October 21, 2019
From comparing the film to The Force Awakens- like impact and heaping praise on Mackenzie Davis, it's easy to see that viewers weren't complaining.
Dark Fate is here to right all the wrongs and give staunch supporters (even those of the earlier sequels) a reason to stick by the film franchise. The latest offering produced by James Cameron, directed by Deadpool's Tim Miller promises to refresh the series and give it the reboot it deserves. Dark Fate picks up after the events of Terminator 2: Judgement Day which is considered the best Terminator sequel till date. The film is also leaves behind the films that didn't do well for the fandom, rendering Terminator 3, Salvation and Genisys irrelevant to its plot.
Terminator: Dark Fate follows Dani Ramos (played by Natalia Reyes), a near-perfect human-machine hybrid Grace (played by Mackenzie Davis) who join Sarrah Connor and the Terminator in a battle against a new breed of Terminator. The full reviews of the film will arrive much later. Check out the trailer here:
Terminator: Dark Fate is all set to release on November 1, 2019

domain: entertainment


February 22, 2019
This summer, the Wheaton College Conservatory of Music is hosting a Music Camp geared to upcoming ninth through twelfth graders.
For the fifth year, the Conservatory of Music will host an overnight Music Camp for high school-age musicians. The summer camp will feature eight days of private lessons, master classes and ensemble experiences.
“In partnership with the Wheaton College Conservatory of Music, the goal of Music Camp is to provide tools to guide young artists as they grow in their faith and understanding of what it means to be a Christian musician,” said Wheaton College Director of Performance Studies and Professor of Music Mary Hopper. “With students coming from all over the world, this camp is truly a unique experience for young musicians who are considering advanced music study.”
A typical day at Music Camp starts with breakfast at Wheaton College’s award-winning dining hall, Cafe Bon Appétit, followed by chapel service or devotions. Next might come a movement class taught by Jill Burlingame Tsekouras, who specializes in the Alexander Technique, which promotes body well-being through postures, breathing and movements.
“With these techniques, musicians move with greater strength and flexibility as well as protect their health and future performance ability,” said Tsekouras.
Students will get to hear daily lectures from experts on topics ranging from music history to tips for college auditions. After lunch, students will take afternoon lessons in the concentration of their choice, including vocal, strings, piano, woodwind, brass and percussion. The afternoon will also afford time for practice, chamber music and theory classes, which are aimed at challenging students to think more critically and creatively about the music they play and write.
Dinner and evening activities, such as tours of downtown Wheaton and game nights, will round out a typical day at Music Camp. The experience also includes a day in Chicago, in which students might tour the Art Institute, spend time in Millennium Park, and enjoy a Grant Park Symphony concert.
One student, who attended the camp in 2017, had this to say about her experience: “Wheaton Music Camp was one of the best weeks of my life. It was amazing to spend the week not only growing in my music ability, but also living with a group of people who all share a common passion for music and Christ.”
Music Camp runs from Sunday, June 23 to Sunday, June 30. Students will enjoy staying in the College’s residence halls and eating meals in its Cafe Bon Appétit dining hall. For additional questions, please email firstname.lastname@example.org or call 630.752.5097.


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- The Journal of a Tour into the Territory Northwest of the Alleghany Mountains; Made in the Spring of the Year 1803. With a Geographical and Historical Account of the state of Ohio. Illustrated with Original Maps and Views.
- Harris, Thaddeus Mason.
- Click the Image to open the Photo Gallery.
- ISBN: NA
- Publisher: Boston: Printed by Manning & Loring, Date Published: 1805
- Description: first edition; viii, -271 pp., 4 maps (Map of the Alleghaney, Map of the State of Ohio, Plat of that part of the State of Ohio, Plan of part of Marietta) with all but the last of them folding, folding plate (Bird's eye view of the ancient works on the Muskingum); early marbled paper covered boards with leather spine and tips but badly worn with sides detached along with front free endpaper, binder's blank, and title, modern private book plate, minor library markings but including small blind stamps, title chipped at upper outside corner and erasure mark causes a few small holes and removes a few letters, general age toning with age staining and browning on all the pictorial matter, the two largest maps also have short tears but no loss; Streeter Sale 831 "This is an interesting early account of travel in eastern Ohio and one of the first separate accounts of the state. The large map of Ohio by General Rufus Putnam seems to be the first large map of the state. This is, consequently, one of the important Ohio books", Howes H223, Sabin 30515
- Subject: Ohio, Americana, CRN
- Show items similar to this.
- Volumes: 1
- Item Number: 730337
- Price: $5,025.85

domain: geography


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Mellopoly reflects the creative, whimsical side of emerging illustrator Melissa Lui Yuen.
Through Mellopoly, Melissa brings to life a beautifully rendered imaginative world, stirred by her observations of patterns and the spiritual elements of life. Inspired by thought provoking quotes, her illustrations are marked with rhythmic, meditative lines that create her own visual poetry.
With no formal training in art or design, Melissa has developed her whimsical illustration style through observation, experimentation and practice. Melissa seeks beauty in everyday life and nurtures a sense of curiosity about the world around her. She has a love for the tactile nature of illustrating with ink on water colour paper and delights in the uncertainty and adventure of the creative process.
"I feel more connected to the work when I am drawing with my hands, and I think there is an endearing appeal to the wobbly, imperfect hand drawn line."
Melissa Lui Yuen is an emerging illustrator based in Perth, Western Australia.
*PLEASE NOTE: Mellopoly is away, returning on 9th April, so no artworks will be shipped during this time, but you can still place the order anytime.*


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posted by lake monster 04-12-103 8:20 AM
found this at recipe zaar
Easy Sticky Buns #48884
posted by Barbara
Warm, gooey cinnamon buns made fresh for breakfast. Prepare the night before. Bake in the morning. Super easy!
(10 min prep, 25 min cooking)
12 frozen dinner rolls
1/2 cup melted margarine
1 cup brown sugar
2 tablespoons cinnamon
1 large vanilla pudding (not instant)
Grease a 9x13 pan. Place frozen rolls in pan.
Mix remaining ingredients and pour over frozen rolls. Place in oven overnight.
In the morning, bake at 350 for 20-25 minutes. Turn out upside down.
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domain: food


Zachary, 8, becomes online star in out of this world adventure
An eight-year-old from Ackworth has become one of the main characters in a one-off online story.
Zachary was nominated by his mum, Vicky Facer, to star in the online story after spotting the competition on Specsavers social media channels.
She sent a photo of him dressed up as Mr Penguin from the self titled book series, for World Book Day.
And now, Zachary has been brought to life by Specsavers in cartoon form as part of a space-themed adventure, The Cosmic Case of the Missing Specs.
Along with two other winning children Ava and Josh, Zachary helps friendly alien Flork find their way back to Jupiter. Flork has lost their specs in an Earth-bound crash landing.
Zachary said: “I’m so excited that I won the competition and get to star in a special adventure.
“I dressed as Mr Penguin for World Book Day because not many people know who he is and it’s a really exciting book.
“So now lots of people will get to hear about him!”
Vicky said: "Zachary just loves reading, he reads every night and in the last half term got through five books.
“I love anything that encourages this passion so I couldn’t resist entering Zachary in this competition.
“We were both very surprised but delighted to hear that he had won."
Ruth Cunliffe, store director at Specsavers in Pontefract said: “We were thrilled to see a youngster from our area included in the story.
“World Book Day truly brings to life the joy of reading, especially for young minds with vivid imaginations.
“At Specsavers, we recommend children get their eyes tested regularly from around three years old.
“Thankfully, serious vision problems during childhood are rare but early testing allows opticians to spot and treat any potential issues as soon as possible.
“So, the only thing your little ones need to worry about is having a blast on their latest book-based adventure!”


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Why Am I So Stupid
You’re confusing education with intelligence. In reality they have little to do one another, it seems that you developed a clever strategy for coping in an environment where the knowledge feels irrelevant- which is pretty smart! Instead of wasting your energy trying “to gain more,” as many people do their entire lives without success or satisfaction (I’ve seen this myself), why not simply recognize what resources are available?
It’s true most will never reach my level; however I thank God everyday knowing He gave me all he needed within his grace and mercy through Christ Jesus our Savior.
How To Deal With Stupid People
You should always try to avoid engaging with people who are angry or upset. It’s best not respond, unless it’s necessary for work-related purposes like answering questions about their job role in an interview situation! If you do need too then make sure that your tone of voice remains calm and peaceful so as not fuel any flames from what may already be burning inside them by saying things such as “Calm down” instead say something along the lines: ‘I am sorry I didn’t understand’. This way no matter how frustrated they get over little matters – All will end peacefully without anyone getting hurt.
How To Not Be An Idiot
Let’s take a second to appreciate how you’re doing better than most people, even if it is just your intellect. A modicum of self-awareness and intelligence are required for this task! There will always be someone smarter than yourself so stop comparing yourself with others or else go mad.
How To Not Be Stupid
We all have a tendency to be biased thinkers. We’re terrible at assessing our skills and will often overestimate the accuracy of our assessments, leading us into situations which are dangerous or inefficient because we don’t know how bad things really are.
Wise people understand this about themselves so they focus on leaning more towards other minds when making decisions – groups tend not only be less likely than individuals but also considerably better informed in terms if intelligence (as proven by experiments).
What Does Stupid Is As Stupid Does Mean
Forrest Gump is often quoted as saying “stupid is as stupid does,” meaning that you should be judged by your actions and not what’s on the outside. Similarly when evaluating sellers target customers or potential employees we need to take into consideration how they act during interactions with others; this will give insight into if there are any red flags worth monitoring more closely in future communications/dealings.
Picking apart everything an individual says may seem like a simple way of deciding whether he’s trustworthy but it would actually miss out some very telling details such…
What Does Vacuous Dullard Mean
A vacuous remark is one that lacks meaning or importance in the world. A movie with no substance would be an example of this as well, but it could also refer to someone who has a lack intelligence and serious thought for anything other than their own life concerns.
What Is The Meaning Of Stupid
Intelligence is not the only thing that matters, but it’s an important factor. A person with low intelligence will have a hard time making decisions and implementing them in their lives because they aren’t qualified for such tasks; this makes sense since we all know how complicated life can be! The Latin word “stupiditas” means amazement – like being stuck on mute where everything around you sounds amazing yet nothing speaks to your heart or soul.. And these days there seems no end of things which shock us: from violence.
What’s Another Word For Stupid
Ignorance is stubbornly clinging to the belief that we are alone in this vast universe, when in reality our brains tell us exactly where and what kind of life exists.

domain: psychology


• Monday, September 18, 2006
• Tuesday, September 19, 2006
• Wednesday, September 20, 2006
• Thursday, September 21, 2006
• Friday, September 22, 2006
• Saturday, September 23, 2006
• Sunday, September 24, 2006
Everything's coming up aces for the European team
Saturday, September 23, 2006 3:53 PM
A few minutes later, Paul Casey said nothing as his tee shot at the same hole flew toward the green. It didn't stop until it hit the bottom of the hole. That one shot was the fifth and sixth holes-in-one in Ryder Cup history. Casey's ace clinched a 5-and-4 win for himself and David Howell over Stewart Cink and Zach Johnson, technically meaning the Euros conceded a 1 to the Americans. You know things aren't going well when your team's best shot all week is one it didn't even hit.
This seems to happen every year, and each year you wonder how it gets to this point. How do the top three players in the world combine to go 0-2 in this morning's fourballs? If you want to talk about the quirkiness of alternate-shot play, that's one thing. But fourballs is essentially each guy playing his own ball. And Woods and Furyk were the two hottest players in the world coming in. But apparently something happens when American players start dressing alike, and that something's not good. Maybe Seinfeld was right when he said it's all about the uniforms.
I was standing behind Jim Furyk this morning after he teed off at 10. He looked behind him toward a giant banner featuring a picture of Ian Woosnam and this quote: "For me there can be no prouder moment in my sporting career than this week leading Europe in the greatest team event in the world." I had the feeling Furyk was thinking, "This guy's no bigger than my golf bag. How is he doing this to us?"
On the other side, you wonder what else Tom Lehman could've done? He's drawn rave reviews on his leadership from American players. He somehow convinced Tiger Woods and Phil Mickelson to rearrange their schedules to join the entire team on a two-day reconnaissance mission here last month. He even brought Tex Mex over on the team plane. What he didn't anticipate was his team folding like a soft taco once play began.
Maybe Lehman has the Europeans right where he wants them. He played a significant role when the U.S. rallied from the same 10-6 deficit they face going into Sunday singles this year. In fact, Lehman was the first man out on that Sunday at Brookline when Ben Crenshaw stacked his best players at the top of the lineup to try to close the gap as quickly as possible. Lehman waxed Lee Westwood that day, 3 and 2, and the comeback was on. Sunday, Captain Tom will send out Toms (Montgomerie), Cink (Garcia), Furyk (Casey), and Woods (Karlsson) in the first four matches and ask them to even the score.
Will Lehman's lineup card be right? The U.S. can only hope his depth perception is better than Mickelson's and that Europe doesn't have another ace up its sleeve.
Ireland's not in the UK, and the U.S. stars are not in attendance
It appears the U.S. team will Die Another Day. Desperately needing momentum after falling behind Friday 5-3, the Americans' top two tandems, Woods/Furyk and Mickelson/DiMarco, came out this morning and collectively laid a giant goose egg, going 0-for-2 to put their combined total for three matches at 1-4-1. Turns out, the problem with this U.S. team isn't the presence of four Ryder Cup rookies. It's the absence of their stars.
In fact, the first-years are about the only Americans playing well. Zach Johnson, after getting a half-point with Stewart Cink in the foursomes Friday, single-handedly took down Padraig Harrington and Henrik Stenson. Scott Verplank was technically paired with Johnson, but contributed about as much as the walking scorer. Johnson is the Joaquin Phoenix look alike, and he Walked the Line this morning, making seven birdies, the sixth of which answered a pitch-in from Harrington at the 15th and the last of which was a birdie pitch of his own at the 17th to close out the match. (While we're playing Separated at Birth, please note that Robert Karlsson will be playing the role of Dolph Lundgren and Paul McGinley that of William Devane.)
St. Patrick drove the snakes from Ireland, but a Horned Frog's running free. Former TCU star J.J. Henry rallied his team to a half-point Friday morning and did the same today with an eagle at the 16th and a conceded birdie at the 17th. But nothing's easy for the Americans this week. As great as Henry played, he three-putted for par at the 18th and opened the door for Paul Casey to make birdie, win the hole, and steal half a point from the Americans.
While the U.S. begs for scraps, Sergio Garcia's turning cartwheels around The K Club, firing up his European mates and breaking American hearts. Garcia's now 12-1-2 in Ryder Cup foursomes and fourballs after teaming up with his amigo Jose Maria Olazabal for the second morning in a row and delivering another win. I saw former Euro captain and still-current Spaniard Seve Ballesteros following that group, pumping his fists and leading the cheers while listening to the other matches on the radio. I kinda got the feeling Seve still thinks he's captain, and no one wants to break the news to him that he's not. I wonder if anyone's told him about Ireland.
We've seen this before, and before, and before
This has been the Friday night bedtime story for the last decade. In this particular chapter, Europe leads the U.S. 5-3 with the first day now fast asleep. It's the fifth consecutive Cup in which the Yanks have trailed after the opening matches. Same story, umpteenth verse.
This has become golf's version of "Groundhog Day." Every other September, a band of European players comes out of the shadows and sees an American team that can't seem to consistently produce when it matters most. And it usually means two more years of Ryder Cup winter for the United States.
Perhaps the only difference this year is that the Europeans are, top to bottom, at least as good as the U.S., if not better. Case in point? Ian Woosnam used every one of his 12 players Friday, and each contributed something toward Europe's total. You get the feeling Woosie could squeeze half a point from the two guys in the Guinness commercials. Brilliant! There's no other way to describe Europe's team play over the last 10 Cups.
In the old days, Europe won by hiding the pack mules and riding the studs. Now, it's the American team wondering how to mix and match the Brett Wetterichs and Vaughn Taylors. Taylor's actually still waiting to tee it up. He didn't play Friday and wasn't in Tom Lehman's lineup for Saturday morning fourballs.
But you can't pin this latest Friday flop on the rookies. J.J. Henry and Zach Johnson earned as many points -- a whopping half -- as one of America's dynamic duos, Chris DiMarco and Phil Mickelson, who went 0-1-1, which is not bad if you're looking to dial internationally but stinks if it's your record at the end of Day 1.
Tiger Woods and Jim Furyk's mark of 1-1 was barely better but not good enough from two of the top-three ranked players in the world. Furyk was the steadier of the two on Friday but that snapper he hit on 18 -- with a half-point hanging in the balance -- was, as of press time, still hooking.
The Americans' timing at the Ryder Cup is every bit as impeccable as Squiggy's. Remember when either Laverne or Shirley would say something like, "That's the stupidest thing I've ever seen," just as Squiggy walked through the door saying in that high-pitch whine, "Hellaw." It's not that the U.S. side never hits good shots; they just don't hit enough of them when there's no margin for error.
If we're assigning each team a '70s TV character, the Euros favor Vinnie Barbarino when it comes to blows in that they tend to be a bit braver in a pack. Sergio Garcia and Luke Donald, who beat Woods and Furyk Friday afternoon, may as well have been yelling, "Hey, Carvelli! Ya mutha! Ya mutha!" These are the same guys who were wholly skewered by Tiger in the final rounds of the last two majors of the year, respectively.
But this isn't a major. It's the Ryder Cup. And until they make the entire competition a series of singles or the U.S. learns to play better as a team, there may not be many Happy Days anytime soon.


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Colin Haley Solos Fitz Roy's Supercanaletaby Dougald MacDonald Jan/2009
This news story has been read 27,496 times
Haley completed the mile-high ascent in a little over 14 hours from the bergschrund to the summit. Significant accumulations of rime ice slowed his progress. Haley had previously done the climb, in December 2007, with Maxime Turgeon.
This is the second known solo ascent of the Supercanaleta (1,600m, TD+ 5.10 90°), according to Patagonia historian Rolando Garibotti. Dean Potter soloed the route in early 2002 in a remarkable six and a half hours from the base of the climb.
Read the full report by Dougald MacDonald at Climbing.com
Over the next week, the best young climbers from around the world will have the chance compete across three disciplines in the... Read more
Alex Megos has made the first repeat of Adam Ondra's ~60m monster, Thor's hammer, ~9a+, in the Flatanger cave in Norway.... Read more
This summer, I'm guessing 11 July, Roland Hemetzberger managed to make the first free ascent of Delirium, an 8c multi-pitch... Read more

domain: hobby


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Marine Machinery, Engines & Controls
- Handheld Infrared Thermometer Use in Engine Room
Engine room watch-keeping engineers depend on various gauges, thermometers and pyrometers to ensure the engines are running and operating at optimum efficiency. They also depend on the sense of touch to determine temperatures; handheld infrared thermometer use in the engineroom can compliment this
- Importance of Pipeline Tracing & the J/E
A ship's engine room is same as any power plant or a factory, except for the size. For the efficient operation of the marine power plant and propulsion plant, it requires various fluids to be pumped, filtered, purified, heated & sometimes accumulated which are performed with the help of pipelines.
- Propane Injection for Ship Diesel Engines
In this article we discuss dual combustion engines and the advantages of propane injection in diesel engines.
- Problems Encountered With Ships Ballast Tank Discharging
When ships have discharged their cargo, they fill their ballast tanks with seawater sometimes containing aquatic exotic species. Once they reach the next port they discharge the ballast, along with any alien, non-indigenous species that can be detrimental to the local marine life and ecosystems.
- Emergency Action Plan for Fire / Explosion On Ships
Learn about the emergency action plan for the ship in fire and what should be done on board a ship by the crew members if there is a situation involving fire / explosion ?
- Marine Electrical Power Distribution
A ship can be considered as a mobile power plant. Most of the machinery is driven electrically, which thus makes for a huge electrical power demand. This makes a shipboard electrical power distribution system very important. This article is about the layout of the main switch board and the bus bar.
- Breakdown and Repair of Ships Main Diesel Engine at Sea
When the ship’s main diesel marine engine breaks down at sea, it is imperative that the Engineering Officers affect repairs as quickly as possible in order to restore power and steerage. This means that sufficient spares and tools must be carried to repair the marine power diesel engine.
- Sump Tank Empties as Oil Accumulates inside Crankcase
The Main propulsion engine had a special type of lube oil sump arrangement. The Engineers had no knowledge about this special arrangement, which lead to the flooding of engine room with lube oil. Approximately 8 tons of lube oil was lost. Read here to learn more about the incident.
- Fire in Ship's Engine Room caused by Bacteria
We all know that a fire requires heat, fuel, and oxygen. Have you ever wondered how a bacteria could be the source of ignition? Read here to know about the sequence of events and investigation of an engine room fire caused by thermophilic bacteria.
- Marine Exhaust Valve Improved Design
This article discusses exhaust valves used in the marine diesel, properties of materials, new design features, causes for exhaust valve burning, indication of exhaust valve leakage, stress on the exhaust valve, stress failures, and exhaust valve problems.
(11 of 40)


Former US Vice President Mike Pence submitted his candidacy to the White House on Monday, according to documents released by the Federal Election Commission, and then he will have to challenge his former partner Donald Trump in the 2024 Republican primary.
Pence, a conservative and staunch opponent of abortion, will formalize his entry into the contest Wednesday, the day of his 64th birthday, at a meet in Iowa.
Pence joins a list of ten Republican candidates, all of whom are currently far from the former president in opinion polls.
After years of unwavering loyalty, he changed sides after the attack on the Capitol, which shook American democracy on January 6, 2021.
On that day, Pence, in his capacity as Vice President, presided over the congressional session during which the deputies had to certify Joe Biden’s victory in the 2020 presidential elections.
Although his role was purely protocol, Donald Trump asked him to refuse to certify Biden’s election.
The former Indiana governor refused this request, and Trump supporters turned him back on him.
That is why, when storming the Capitol, some called for the “hanging” of Mike Pence, who was hastily forced into hiding.
From that point on, it was considered that the president’s statements “were not responsible” and “endangered his life
The estrangement between the two men undermines the chances of Mike Pence, whom many pro-Donald Trump activists still consider a “traitor”.
Pence received 3.8 percent of the vote’s intentions, away from the former president (53.2 percent), according to the average of recent polls conducted by RealClearPolitics.
He is also ahead of Florida Governor Ron DeSantis (22.4%), who is also betting on a very conservative speech but with a more offensive tone, as well as former Ambassador to the United Nations Nikki Haley (4.4%)


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City commissioner goes to trial in March on misdemeanor charges
State prosecutors allege that St. Augustine Commissioner Errol Jones used his position to threaten the job of the police officer who later arrested him.
Jones was arrested in October after reports of a family disturbance, and charged with obstructing an officer without violence.
Prosecutors added a charge of tampering with a witness in November. In January, Judge Alexander Christine ordered Assistant State Attorney Ben Rich to give more details about the charges.
The document Rich filed in response to Christine’s order, called a “statement of particulars,” stated Jones “used intimidation and/or threats against (Arresting officer Michael) Linsky in order to “influence the testimony … of a law enforcement officer of the St. Augustine Police Department.”
Jones, 69, is charged also with obstructing an officer without violence, also a misdemeanor.
He is set to go to jury trial March 26 in Christine’s court.
Jones’ attorney, Patrick Canan, said the “statement of particulars” was the first time his client learned what he was accused of with regard to the tampering charge.
It “offers us some insight into what he’s accused of, and we can defend accordingly,” Canan said.
If Jones is found guilty, he faces a maximum sentence of a year in county jail on each charge, Canan said.
He would probably not lose his job if convicted of one or both charges based on the provisions of the City charter, City Attorney Ron Brown said.
“It’s clearly not a felony, and we don’t believe it’s a crime of moral turpitude, at least based on what we know at this point,” Brown said.
He said crimes of moral turpitude tend to “shock the moral conscience” and include such crimes as thefts, crimes against children or sex charges, among others.
Both charges stem from family disturbance on Julia Street on Oct. 22.
Jones said he was there to intervene in the disturbance and that officers sent to investigate overreacted during the investigation.
Jones said he did nothing to justify arrest.
But Linsky said that Jones “rushed him,” threatened his job and seemed intoxicated.
Jones spent the night in jail before posting a $500 bond the next day.
City Police Chief Loran Lueders asked for a Florida Department of Law Enforcement investigation a couple of days later. The investigation found no wrongdoing.
Canan said Jones denies both charges, and that it is his constitutional right to request a trial.
“Basically, we’re ready for trial, and we’re marching toward that date,” Canan said. “He looks forward to stating his side and is confident that the jury will make the right decision.”

domain: news


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Play22 Laser Tag Sets Gun Vest – Infrared Laser Tag Set 4 Guns 4 Vests – Laser Tag Gun Toys for Indoor and Outdoor
Laser tag is fun and this game comes with a set of 4. Bye, kids! Go ahead and play outside. Please come back when the street lights come on. Oh, and don’t run in the street. Thanks!
Find more great gift ideas for teenagers right HERE!
Article Tags:Games · laser tag · Outdoor Games

domain: game


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Nigerian vocalist Tems drops her new EP titled “If Orange Was A Place” today, and it has generated mixed feelings among fans.
The Nigerian singer and songwriter Temilade Openiyi also known as Tems finally releases her new long-awaited project titled “If Orange Was A Place (EP)”. As expected music lovers have one or two things to say about her new project.
- RELATED: Tems reveals why she doesn’t always post her achievements on social media
- RELATED: Tems achieves a second Hot 100 position with Drake’s Fountains.
On her new EP, she houses five amazing songs, one of which she makes in collaboration with one of the American musicians, Brent Faiyaz.
In addition, all the tracks on her EP were produced by Ghanaian beatmaker Guiltybeatz except track three which was produced by Jonah Christian.
As expected, see the reactions below:


I have a friend who has a 1903 and was told it was a 308 not a 30-06 so he tried to fire a 308 round and the case is now stuck in the chamber. Is there an easy way to get it removed or is it better to replace the barrel. It had already been sporterized so it wont be ruining it anymore than it already is. Is there a place in town that will put the new barrel on. Also what are your opinions on caliber? 338-06 or 35 whelen or something else other than 30-06.


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Drums may be used for "talking," that is, sending information and signals by imitating speech. Most traditional African drums are created from woods such as mahogany, maple, oak and alder. In 1883 she and Anna Church, the wife of Robert Church Sr., launched the Liszt-Mullard Club to promote classical music and raise money for … (African Proverb) This growing list of famous African artists, singers, drummers and musicians will help you find great music that you'll enjoy. Drummer Kenny Clarke played a pivotal role in the transition from swing to bebop. The tar is the oldest and most basic Middle Eastern frame drum, being simply a skin (usually goat) mounted on a shallow hoop ranging from 10 to 22 inches in diameter. Clem became known as “Johnny Shiloh,” though it’s unlikely he was at the Battle of Shiloh, which took place before he was in uniform. Drummers perform during parties, religious meetings, and ceremonies such as weddings and funerals. A powwow drum is used as a sort of metronome, keeping the beat for both song and dance. Tony Allen: 'World's greatest drummer' and afrobeat ... In fact, his heavy alcohol and drug abuse led to him being fired from Black Sabbath in 1978. Facts on African DrumsTypes. There are many types of traditional African drums. ...Uses. Traditional African drums served as musical instruments, objects for ceremony and as a method of communication.Craft. The making of traditional African drums is a craft that is often passed down through families and among some cultures is a hereditary job.Drummer. ...Rhythms. ... Drums play an important role in West African culture. Percussive instruments are a part of life in some African societies. Starr began drumming with the Beatles in ’61 and remained until the band’s demise in ’70. It is impeccable to think that young South African artists are receiving worldwide recognition. Drummers attracted attention during the war, and some tales of heroic drummers circulated widely. The groupies, girl friends and ex wives have seen it all. For its size, the djembe is an unusually loud drum. A drum tech is usually very knowledgeable about drums and can tune and tweak them to their maximum sound potential. One of the most famous drummers was Johnny Clem, who ran away from home at the age of nine to join the army. The drums are covered with animal skins. When you hire African entertainment, note that African music and African dance are nearly one and the same, and that the idea of separating "music" and "dance" is foreign to many African cultures. Ranked and rated, from big-band leaders to bebop pioneers and fusion futurists, uDiscover reveals a list … 33 13. 4,711 african drummer stock photos, vectors, and illustrations are available royalty-free. of 48. African drummers talk through their drums by: Select one: Making their drums imitate speech patterns. Famous As: Rapper, Songwriter. It spanned the modern-day countries of Senegal, southern Mauritania, Mali, northern Burkina Faso, western Niger, the Gambia, Guinea-Bissau, Guinea, the Ivory Coast and northern Ghana. A famous rock band with an awesome drummer, The Who offers a beat that keeps up with the increasingly advanced songwriting of later releases. Bomba dates from at least the 17th century, and the buleador is one of the main percussion instruments in that genre. Using microphones attached to their drums. For some songs, multiple drum beats and even famous drum fills were included also. C Bolokada Conde Soungalo Coulibaly D … Usually famous drummers or those that play with name bands have their own drum tech. From kit-bludgeoning belters to dependable backbeat-riders and technically gifted geniuses, these … The 50 Best Jazz Drummers Of All Time. It was a place where they could mingle, play traditional drums, sing and dance and trade goods. For its size, the djembe is an unusually loud drum. Bolokada Conde - One Of The Malinke's Famous African Drummers Performances of African drummers like Bolokada Conde suddenly let you realize how complex djembe rhythms really are. El Anatsui was born in Ghana in the year 1944. Most contemporary western bands that play rock, pop, jazz, or R&B music include a drummer for purposes including timekeeping and embellishing the musical timbre.The drummer's equipment includes a drum kit (or "drum set" or "trap set") which includes various drums, cymbals and an assortment of accessory hardware … The Native Americans look at the drum as a living and breathing entity; they believe that the spirits of the tree and animal that the drum was made from live within the drum. Starr began drumming with the Beatles in ’61 and remained until the band’s demise in ’70. Over time, Julliard School has expanded its reach to talented people by going international with its institute The Tianjin Juilliard School in China, which is soon to be launched. 3. Jack Ashford. The buleador has a low pitch and is primarily responsible for keeping the rhythm. Music, art concerned with combining vocal or instrumental sounds for beauty of form or emotional expression, usually according to cultural standards of rhythm, melody, and, in most Western music, harmony. Only the greatest drum beats were chosen from each of the songs featured in this book. Soul Rhythm African Drumming is dedicated to promoting and sharing the music and culture of West Africa through an interactive drumming and dance classes, workshops, drum circles, study tours, retreats and performances for all events. Young “Johnny” became famous as the “The Drummer Boy of Chickamauga” where he is said to have played a long roll and shot a Confederate officer who had demanded his surrender. d. syncopation to a main beat. The djembe is the most well-known African drum around the world. A drummer is a percussionist who creates music using drums.. Try these curated collections. Dave Grohl. This list may not reflect recent changes ( learn more ). Bruford is perhaps most famous for having revolutionized drumming through the use of Simmons electronic drums and his melodic drumming, though in recent years he has returned to using a primarily acoustic drum set. Communicate with the Drummer you select to work out the details of your event. We like the drums at IRIETONES "Learn Djembe in The Gambia" staying with the famous Djobarteh family of kora musicians. A. Clarence Acox Jr. Muhammad Ali (drummer) Rashied Ali. Louis Armstrong is one of the most appreciated jazz artists of the Harlem Renaissance, and of all times. Facts about African Drumming10: hardwood. The most famous drummers of all time have made it onto this list through their ability to infest our ears with an irreplaceable beat. 1. An integral part of jazz is the swing feel, and drummers are often the ones stoking that fire, helping to propel the song along with the other … The volume of the drum rises with increasing skin tension. Pages in category "African drummers" The following 14 pages are in this category, out of 14 total. Drummers were used for communication on the battlefield. Birthdate: May 21, 1972. The Long & Short of Rock N’ Roll Cocks! We also published a guide to 10 jazz drum legends and their choice of setups and gear. Browse Drummers in New York City and contact your favorites. The Notorious B.I.G. Early in his career, he played with swing bands, including one led by trumpeter Roy Eldridge. Many African languages are both tonal (that is, meaning can depend on pitch inflections) and rhythmic (that is, accents may be durational), giving speech a musical quality that may be imitated by drums and other instruments. The famous artist uses metallic fabrics, clay and wood to create an expression of socio-political and historical concerns. The talking drum is probably the most known drum from Africa. Our goal is to connect the talented artisans of West Africa with the gifted musicians of the rest of the world. So here are nine albums out now that will change your perspective on African music. At first, they may even seem chaotic to an untrained ear. African music is as diverse as its cultures and peoples and has flowered in many indigenous forms as well as been shaped by foreign influences. Drummer Keith Moon creates a more simplistic drum beat in ‘My Generation.’ However, there are still complex and chaotic fills in the middle of the song and between other beats. Facts about African drumming 6: Sound and Striking Technique. One of the most famous Native American drums, the powwow drum is used in large gatherings. Various Artists, Music from Saharan Cellphones Volumes 1 and 2. Marshall was born in 1868, just five years after the official end of slavery. SELECTED PERFORMANCES / WORKSHOPS Thione has toured throughout the West Coast in Washington, Oregon, California and British Columbia. Africa is filled with amazing sights for travelers. Harriet Gibbs Marshall was the first African-American female instrumentalist to pursue and officially complete her studies at a music institution in the United States. He was one of the first drummers to use two bass drums in a rock setting, making him a pioneer of double bass drumming in rock music. Don Alias. Follow the links for details on the artists and where to find their best records or share your favorite artist in the comments below: As a village boy in Nigeria, I learned rhythms and songs from my parents and elders. 4,711 african drummer stock photos, vectors, and illustrations are available royalty-free. The drum keeper is usually the oldest son of a selected family, and in Native American culture it is an exceptional honor to be the keeper of the sacred drum. An entire village on stilts in Ghana. Drums are the music instrument that African music relies heavily upon to create the fast-paced, upbeat, rhythmic beat that signifies most African music. Widely considered one of the most influential drummers of all time and known for his virtuoso technique, power, and speed, Rich was billed as "the world's greatest drummer" during his career. The collected tradition of West African drum rhythms is vast, so it helps the memory to have a written book of notation sheets for handy reference and study. Wilson from Fullerton, California. All throughout the 1950's and 60's, Armstrong appeared in films and made many international tours. “He synthesized blues shuffles with African syncopations through the lens of someone who gave vent to all manner of emotions,” Reid revealed about Jackson in a 2003 Fort Worth Weekly article. Apache/2.4.34 (Ubuntu) Server at www.djembefola.com Port 443 Jerry González Ray Mantilla Marc Quiñones Lenny Castro Michael Carabello Frank Colón Marcel Rodriguez-Lopez Roger Dawson John Santos Sammy Figueroa Giovanni Hidalgo British Ray Cooper African American Papa Dee Allen Eddie "Bongo" Brown "Master" Henry Gibson Philip Bailey Bobbye Hall Porter Mexican-Chicano American Pete Escovedo Sheila E Neil Peart – Rush. We also published a guide to 10 jazz drum legends and their choice of setups and gear. He later advanced to installation art and sewing. Djembe. The roots of African music. 1912 Viola Smith, American drummer and bandleader (one of the first professional female drummers), born in Mount Calvary, Wisconsin (d. 2020) 1914 Edith Tilton Penrose, American-born British economist (The Theory of the Growth of the Firm), born in Los Angeles, California (d. 1996) You may have seen African drumming either in drum circles, street performers, or on television. Dave Grohl. "Julia Hooks became a leader in African American cultural and educational affairs [in Memphis, TN]. Other South African singers that are in this band are bassist Jaw Fieldtmann, drummer Nelius de Lange, while Hane de Jony joined them later. Congo Square, located on the edge of New Orleans’ French Quarter, has been a gathering place for African and Native Americans dating back for centuries. Drums and Percussion World Music Pop Music djembe drum kit percussion instrument musical instrument expo 2010 shanghai china folklore jazz. Drummers attracted attention during the war, and some tales of heroic drummers circulated widely. doumbek - a middle eastern drum commonly from countries such as India, Pakistan, Morocco and Egypt. Dave Grohl is widely credited with giving alt.rock its driving beat. … Sun Sign: … Drummers in West Africa play in ensembles, or groups. B. Louis Barbarin. Custom Drum Tracks Download World-Class Drum Beats Full-length Drum Beats (3-5 minutes long) played by Los Angeles world-class drummers, complete with multiple sections, fills and dynamic changes. Ozzy Osbourne. 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Yesterday, in its budget and economic outlook for the next decade, the Congressional Budget Office substantially changed its short-term Affordable Care Act estimates in ways that show the law is performing far worse than expected. CBO’s new projection of 13 million exchange enrollees in 2016 is nearly 40% below previous expectations. CBO’s also projects that the average subsidy per enrollee in 2016 will increase by about 18% relative to its March 2015 ACA estimate—an indication that enrollees are both less healthy and poorer than the agency originally projected.
As the third open enrollment season for health insurance under the Affordable Care Act comes to a close on Sunday, a new poll reveals that many uninsured Americans still aren’t paying attention.
The poll by the Kaiser Family Foundation, released Thursday, found that the majority of the uninsured say they don’t know the deadline for getting coverage this year. Virtually no one knew that the fine for going without health insurance in 2016 has jumped to $695 per adult or 2.5% of household income — whichever is higher.
The term “Cadillac tax” is evocative: It suggests that the health-insurance plans it would tax—through a provision in the Affordable Care Act—are to regular health insurance as a Cadillac is to a Kia. President Obama once described the levy as targeting “really fancy [health insurance] plans that end up driving up costs.”
But what many Americans may not realize is that “Cadillac tax” is in part a misnomer. While some plans that qualify for the tax may be high-end with extra benefits, or “really fancy,” not all of them are. Nor is every employee with an expensive plan a corporate executive. Over time, the number of Americans affected by the tax is expected to increase, as is the revenue the government expects to raise from their plans.
This week, we learned that ObamaCare enrollments are nearly 40% below the original projections—further proof that the American people want nothing to do with this flawed system.
Under the Obama administration, we are becoming a nation of rules—not laws—dictated by a president and a White House who are more concerned with pursuing a partisan political agenda than they are with serving the American people.
Nowhere is the disregard for the laws of our nation—and the failure of our bloated, inept, partisan government—more obvious than in the way the Democrats foisted ObamaCare on us. And the way in which it has utterly failed to help Americans get the quality, affordable health care we were promised.
Presidential candidate Carly Fiorina outlines her blueprint to repeal ObamaCare and promote the free market in health care.
This one weird trick can help even rich people buy ObamaCare at sharply reduced prices. Really.
A number of wealthy individuals, some of whom were “disgusted” with ObamaCare when it first went into effect, nonetheless are now taking advantage of federal financial aid available under that health-care law to help significantly reduce their monthly insurance premiums.
Carolyn McClanahan, a Jacksonville, Florida-based financial advisor and medical doctor, told CNBC that she’s steered at least five such clients, whose individual net worths range between $1 million and $3 million, toward buying ObamaCare health plans because of the federal subsidies available due to their taxable income levels.
The federal government is poised to start making state-based exchanges pay for using HealthCare.gov’s technology, and that has some states mulling the possibility of sharing services with others to control costs.
The Centers for Medicare and Medicaid Services proposed a rule last year requiring that certain states essentially “lease”HealthCare.gov through a user-fee rate of 3 percent of the monthly premium the issuer charges for each policy plan—meaning that, for the first time, using the federal platform for state-based marketplaces won’t be free.
Last month, marketplace officials from several states gathered in Portland, Oregon to discuss the rule, increased collaboration, and long-term marketplace affordability and sustainability.
The law being implemented today is in many ways quite different than the law passed by a very temporary super-majority of Democrats back in 2010. It is highly likely that the ACA-as-implemented could not possibly have secured enough votes for passage in March 2010.
Likewise, we already know that neither the ACA-as-enacted nor ACA-as-implemented could possibly secure majority support in today’s Congress. Not only do all Republican presidential candidates want the law repealed and replaced, but so does the current front-runner in the New Hampshire Democratic primary.
Too many in the general public do not realize that five provisions of Obamacare have already been repealed.
Anthem Inc., the second-largest U.S. health insurer by membership, said premiums for ObamaCare insurance probably will go up next year.
Anthem is eking out a small profit from selling policies to individuals under the Affordable Care Act. Many of its rivals aren’t, though, which means prices have to go up, the company told investors and analysts on Wednesday.
Other insurers are charging premiums that are “still well below what we think appropriate rates are for a sustainable environment,” Chief Financial Officer Wayne DeVeydt said on a conference call with analysts.
One of the many factors that can cause a health insurance system to fail is “adverse selection,” a phenomenon in which those who know they will make higher-than-average claims are disproportionately likely to enroll and pay premiums. The inevitable results is a rapid increase in premiums, which encourages even more marginal consumers to forgo insurance, leaving average claims, and therefore premiums, to increase even further.
One approach to limit this problem is to limit the time frame during which enrollment is permitted. Why have limited open enrollment periods? The idea is that without them – that is, if anyone could enroll in health plans whenever they want – people could “game the system,” enrolling when they need health care, and disenrolling when they don’t.
The Affordable Care Act was signed into law nearly six years ago. Since that time, 106 regulations have been finalized to implement the ACA. These regulations will cost businesses and individuals more than $45 billion and will require approximately 165 million hours of paperwork in order to comply.
In addition to these regulations, hundreds of guidance documents regarding the ACA have been published by various federal agencies during this time as well. However, more regulations—and additional costs—are still to come.


Former Bills CB Leodis McKelvin has agreed to 2 year contract that will pay him just over $6 million, on Tuesday.
McKelvin, who played under the new Eagles DC Jim Schwartz in 2014, will likely be one of several new defensive backs for Philadelphia in 2016. Howie Roseman got rid of the prized CB free agent signing of 2015 in Byron Maxwell; hopefully this works out much better than Maxwell did for the Eagles.
McKelvin has reportedly known that the Eagles had interest in him since he declared for the draft from Troy University in 2008. McKelvin said that Philadelphia told him they were thinking about trading up to draft him, before he was selected #11 overall by Buffalo.
McKelvin will most likely not be the top corner on the Eagles roster come next season, but he adds solid depth to the defensive backfield. After all, he did make this play against Eagles last season:
— John Barchard (@JohnBarchard) March 8, 2016
McKelvin said that he was able to cut off Celek’s route because Chip Kelly kept running the same plays over, and over again. Whether or not Howie Roseman has made all of the right short term moves this offseason, he is certainly adding a breath of fresh air into the organization by ridding the roster of Kelly’s personnel signings.


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Beautiful Days revisits the roaring twenties and our beloved characters from Bright Young Things, Cordelia, Astrid, and Letty. Cordelia's is still reeling from her ordeal, Astrid still struggling with her pseudo-engagement to a brash bootlegger, and Letty still seeking performance fame. Some time has past since the first installment, Bright Young Things, but slipping back into the characters' lives is like stepping into a cool pool on a warm day.
Anna Godbersen writes in a very setting-appropriate style, giving the feel of a book written in the jazz age as well as set in it. The atmosphere of the 1920s was so vividly created and described in its smoky speakeasies and silky fashion. I understand the shortcomings of this time, but I loved the way she romanticised it.
Her prose is a brillant example of third person narration that keeps the distance between us and the characters minimal. It's easier to connect with Astrid, Letty and Cordelia than it is in some first person perspectives. Their emotions were clearly portrayed and relateable, and it was easy to forget that you're not part of their group but just an outsider reading about them.
The romantic pursuits of the characters were so true to the characters, their relationships definitely lending something to their three-dimensional personalities. Pragmatic Cordelia was initially standoffish towards her eventual love interest and hesitant to let him in. Naive Letty took her beau for granted and regretted it. Vibrant and social Astrid worried about sacrificing a part of who she was to her relationship.
While Beautiful Days felt lacking in some of the drama of Bright Young Things, there are so many threads of plot that promise to be addressed in further installments and bring more tension. This series is one I'm sure will continue to keep me entertained.
Anna Godbersen wove an atmospheric story in Beautiful Days and held onto her place as my favourite historical author. This book won't disappoint fans.
I give Beautiful Days a 4 out of 5.


The St George Illawarra Dragons won the Charity Shield for the first time in 10 years after beating the South Sydney Rabbitohs 16-10 in an exciting clash in Mudgee.
Both teams named strong sides with a mixture of youth and experience in what was a final trial game for Dragons and Souths before round one of the NRL.
The Dragons started the game on fire with winger Cody Ramsey getting the ball down in the corner with an incredible acrobatic finish after a nice cut-out pass from fullback Tyrell Sloan.
In an amazing effort, Ramsey was outside the field of play and put in a huge superman dive to somehow plant the ball down on the try line while mid-air.
On commentary for Fox League, Andrew Voss called it an ‘out-of-this-world finish’ and an ‘early favourite for finish of the year’.
In the next set after the kick off, the Dragons were in again as forward Jack Bird scored after skipper Ben Hunt chose to run the ball on the last tackle. Hunt produced a short pass to Sloan, who then combined with Bird and centre Moses Suli to send Ramsey sprinting down the sideline. Ramsey produced a ball on the inside to put Bird over who was backing up his flying winger.
The Dragons were ahead 8-0, however the Rabbitohs settled with exciting young rookie Lachlan Ilias kicking a brilliant 20-40, only the second in NRL history, to get his team down field and out of trouble.
Off the next set of six, Souths star Cody Walker put centre Jaxson Paulo over for a try in the 16th minute to get his side back in the game.
Both sides continued to attack and the Dragons were over again in the 26th minute when centre Zac Lomax used some fancy footwork as he stepped three Souths defenders and put winger Mikaele Ravalawa over with a superb flick pass.
South were back in the game on the verge of half-time when Cody Walker darted over from dummy half after Dragons skipper Ben Hunt stopped a bulldozing Keaon Koloamatangi just short of the try line. Walkers’ try cut the Dragons deficit with Souths trailing 12-10 at half-time.
The second half saw both sides make numerous changes to their teams with the Dragons getting the only try of the half when winger Mat Feagai scored after good play and fast hands from Hunt and Suli.
Feagai’s try took the Dragons lead to 16-10, a lead they would hold onto as they claimed a confidence-boosting Charity Shield victory.
As an old Illawarra Steelers fan, and now a Dragons fan, this author has seen many heartbreaking losses and tough seasons.
The Dragons performance in the Charity Shield was promising – skipper Ben Hunt played well and his kicking game was strong, young guns Talatau Amone and Tyrell Sloan looked good, outside backs Cody Ramsey, Zac Lomax and Mikaele Ravalawa had some nice touches and the forwards delivered an excellent team performance.
With a good mix of young guns, experienced players and some new signings to freshen up the squad, 2022 could see a return to finals footy for long-suffering Dragons fans, we can only hope.


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Virginia Rules : Law Enforcement Adventure Program (LEAP) is a week long youth camp that was developed to strengthen the relationship between police and our youth, and to give them some insight into basic policing, with an opportunity for some hands-on learning with local officers in a fun, safe manner.The youth camp will not only be educational, but will also have outdoor activities, events and competitions, to create some teamwork with officers and youth alike.It is also designed to dispel teens misconceptions of law enforcement, and law enforcement’s misconception about teens, and to give guidance to those interested in a career in the criminal justice field. All Louisa County's rising sixth, seventh and eighth graders are welcome to apply applications need to be turned in by June 1, 2018 at 5:00pm.
Breakfast and Lunch will be provided at the Louisa County Middle School each day.
The Louisa County Sheriff's Office is sponsoring this camp in partnership with Louisa County Public Schools, Louisa County Parks, Rec and Tourism, Virginia State Police and many other Louisa agencies. Participants will have a chance to experience many facets of Law Enforcement as well as participate in outdoor activities, team building and receive training in CPR.

domain: law