Posh London cafe refuses to serve a builder — because he was wearing ‘dirty’ workman’s overalls
Kosovo-born Alban, of Islington, North London,felt so humiliated.”
The cafe in Maida Vale, West London, has form for kicking out customers.
"We apologise if it has caused any problems."


litigation, which had been set to go to trial in October.
also wdetermined levels. </s> Guest writer Phil Barton
Straight from Las Vegas, Nevada, Dizzy Wright brought fire, smoke, and positive vibes. With his hot bars over the earth pounding beats laid down by DJ Hopper, Dizzy pulls the crowd closer and closer. At the end of the night, you know it was a party. If you haven’t caught a Dizzy Wright show, you are missing out. </s> >>!
LOL I can’t be held responsible
I love ur page, when i found it, it was like a gift from god that had all beauty-answers lol
I was wondering though, i bought this one, and i have never used a toner before, but you are not supposed to wash ur face after using this?
thanks jess 🙂 you’re so sweet! No…you apply it after you washed/dried your face and follow up with moisturizer. Hope this helps!
I got the kiwi scrub as a gift and absolutely loved it – went to buy some more and it was sold out 🙁 I was browsing around the website and saw the toner. I am wondering if it is necessary? I have very sensitive skin and in the past have tried toners. Clinique’s toner made my skin react horribly- red, stiff, irritated. It was too strong of a toner for my skin – I have a few pimples occasionally but I have pores and black heads. Do you think this product is for sensitive skin or would I have a similar reaction as I did with Clinique? Please let me know!
Jessica. </s> Dior Dissolvant Abricot Nail Polish ($20) is an acetone-free nail polish remover that quickly removes nail polisih while caring for nails with a formula that strengthens, nourishes and hydrates nails while reviving whiteness and shine without drying your nails or damaging them!
It’s available now at Nordstrom and Nordstrom.com
Oof… do NOT think I’d spend $20 on a nail polish remover… </s> Sunday, December 11, 2011
We have attended a number of Disney on Ice shows over the past few years, and have always had a fantastic time! It seems that each show is better than the last, but I guess the reality is that they are all so unique and well-done that they are very enjoyable on their own.
For a sneak peek of the show, visit and click on Toy Story 3. Come back in a few days for a special discount code for my readers!
, disney on ice, feld, sponsored </s> Pork Country Style Rib Burnt Ends
Bag Method (best if you want to season them the night before): Place all of the pieces into a bag. Add 2-3 TBS of vegetable oil and ¼ cup of barbecue sauce to the bag. Seal bag and shake, roll, massage bag to coat the pieces of meat. Place in fridge until ready to use
- Cook Until Tender or about 185°F: Place the pans of meat into the smoker and continue to keep the smoke and heat going as before for 1-2 more hours. If you have a smoker that is capable of higher temperatures, bark can be best achieved at 275°F or even higher. The grill will also work for this. The meat will need to be stirred every 30 minutes or so. More often at higher temperatures. When the meat reaches 185°F and has a nice bark formation all over, it is done and ready to eat.
- Serve as Appetizer or Entree: Burnt ends are great appetizers eaten with a toothpick or a pile of burnt ends next to mashed potatoes and barbecue beans is a real crowd pleaser. </s> Wos


When I meet people in the early stages of coaching there is a common theme.
In their heads are a set of ideas. Excellent 🙂 Well, yes & no!
Ideas are great if they become something and go somewhere. But what if they just keep getting bigger, murkier and don't become or go?
I never cease to be amazed how everyone I have met has a pea-souper of an idea. This encapsulates a whole host of things: their current situation, their ideal situation, a smattering of the past, a plethera of thoughts about all three and then the struggle over which options to take.
What is great about allowing people to talk freely about their pea-souper is that they gradually begin to form
Are they looking to remove themselves from a situation or head towards one? Are people supporting them or holding them back? What's a dream and what's a plan? Are there timescales? If so, why, what are they, who or what do they need to help them get there.
Being with someone while they work through these types of situations and questions is, quite literally, transforming. It does not take long before I see a physical change: often they sit straighter, their bodies open up, smiles creep in, word choice and verbal tone are lighter, blocks reduce themselves to hurdles. They have worked through what is and what is not necessary, what is or is not wanted, what is or is not helping them.
From Pea-Souper to Clear Vista: Landmarks appear. Routes reveal themselves. There's even a fellow traveller or two out there along the way somewhere.
Lovely entry. Despite me reading pea supper every time Pea-Souper was mentioned. Isn't Pea-Souper a fog? Anyway, I always remember the sense of euphoria that surrounds every new idea and/or project but I do often wonder why it is difficult and/or time consuming to turn ideas or projects into realities.


#10840 closed Bug report (duplicate)
Round Robin DNS support for SFTP
There is currently a discrepancy in behaviour between using FTP and SFTP with servers using a Round Robin DNS configuration where a single domain lists multiple IP addresses in its type A or AAAA records.
With FTP, the Filezilla client will attempt to connect each listed IP address until finding a working one for the host, whereas with SFTP, Filezilla will only randomly try a single one and then fail immediately if that one fails.
The vanilla BSD sftp client on the command line will correctly try each IP address until finding a working one. This would be a desireable behaviour for the Filezilla client as well.
See screenshots below displaying different behaviours for FTP and SFTP on a host with round robin DNS configured. FTP tries all 3 hosts, while SFTP only tries to connect to one.
Same underlying cause as #10712


: Humble, TX
Title: Need advice for growing Texas Mountain Laurel from seed in Humble, TX


Pirates kill three soldiers in Bayelsa, steal gunboat
Posted By: Mike Odiegwu, Yenagoa On: December 22, 2014 In: News Update
Vicious gunmen suspected to be pirates attacked and killed the waterways of Bayelsa State on Sunday.
The Nation gathered that the pirates also hijacked a military gunboat after killing their victims at about 4pm on Sunday.
It was learnt that the soldiers were ambushed and killed at Santa Barbara, a notorious river in Nembe, Nembeoccurred barely two months after gunmen in similar and separate attacks killed four policemen and abducted six other persons along the same waterway.
The slain policemen who were escorting a barge owned by the Nigerian Agip Oil Company (NAOC) also lost their gunboat to the hoodlums.
In the recent attack the victims were also said to be escorting items to Brass terminal owned by NAOC when the gunmen opened fire on them.
A security source said the soldiers were sailing from Port Harcourt, Rivers State, to Brass, Bayelsa State, when they came under attack.
The source who pleaded anonymity, said: “They were ambushed by deadly pirates. It is suspected that the gunmen either hijacked the gunboat, later killed the soldiers and threw their dead bodies into the water or they shot and pushed them into the water before stealing the gunboat.
“The gunboat appeared to be the target of the hoodlums especially as arms are being stockpiled by militants for 2015. The Santa Barbara where the incident occurred is in Nembe and is notorious for piracy.”
Butbelieved that the soldiers were not dead but missing.
The outgoing Media Co-ordnator, JTF, Col. Mustapha Anka, confirmed the attack, but said it was premature to conclude that the soldiers were killed by the pirates.


Hello and welcome to ISM640: Computer Networking and Telecommunication Design. This week will focus on the history and future of networking. Let's start by learning about the network of networks, the Internet. We all enjoy open and constant communications today using different Internet technologies, but have you ever wondered how we got here?Who invented the Internet?How was life before the Internet compared with how we know it today?
The ARPANet foundation has paved the way to many great innovations and technologies. We wouldn't be having this online class if it wasn't for the work of ARPANet. So, what does the future hold for us?Another valid question. We have seen changes like the planned move from IPv4 to IPv6, DNS adding multiple language support, transmission speeds doubling every few years, encryption and security continuing to be in the forefront, and Wi-Fi technologies continuing to grow. So, there's no limit to innovation, and we can only wonder where it will take us. More recently, companies like Google, Facebook, and OneWeb (Patterson, 2015) have been developing technologies to beam Wi-Fi broadband to remote locations on Earth. We are embarking on exciting times!
These data packets hold valuable information including who the sender is, who the receiver is, and the content of the data. Now, for the client and server to be able to communicate with the each other, they need a NIC installed in each device. A NIC stands for Network Interface Card, or we call it a network card or NIC for short. For computers to be connected, they need to belong to a network. But what does a network look like?Is there only one kind or type of configuration?


There is always more to learn and listen to, for affirming our current practices and aiding our growth. The title very much says it all, you can figure everything out, if you try hard enough and truly believe in your heart that YOU can do it. So much of what we do needs to be believed in our heart and visualised as in place now, not in the future. There are obvious exceptions, like the law of nature, but let's knock down any 'barriers' that we put in our own way!
I highly recommend this book, if you are offended by swearing then be warned, Marie is very real in the book and writes as she speaks. I too speak freely, never to offend, only to enlighten and empower others. There are lots of actionable exercises within the pages, so that you can keep moving forwards and become clear on your goals, dreams and plans, for what you truly want. It is lovely to have a lot of what I write about, to help you all live your true potential, in happiness, is confirmed within the pages of this book.
Marie's chapter on belief is the foundation for you to take the steps and change, and remove all that no longer serves you, on a daily basis. You do have to excuse the 'spelling mistakes', heehee, I jest re the American-English use of language. We do not need to live with the beliefs from our past; we need to retrain our brain & habits. The exercises at the end, will help remove your limiting beliefs and any personal 'road blocks' you choose to have.
We get 'stuck' because we cannot see a way through the fog of thoughts, feels and emotions but BUY THIS BOOK TODAY and you will have another tool in your armoury of self-healing, intuitive expansion and new way of being, every day. There is a large proportion of this publication, where you will find the words ringing true with your old thought patterns, behaviours in life (health, fitness, food intake, people in your life & so much more) and the actions you take. You choose our ultimate destiny with how you think & perceive situation & the subsequent feelings and activities.
Throughout, Marie talks about finding, at least,10 minutes a day to work on where you want to go. There are a lot of time wasting statistics, such as 30 minutes a day on your phone/ social media = 182.5 hours a year / 22 FULL 8-hour workdays. Imagine what you can achieve by reducing the time spent on non-growth performance. YOU choose the use of your time, so make it industrious, successful and exciting! Excuses are our choice, life requires commitment, strength and belief in yourself, regardless of your responsibilities and what you feel is beyond your control. Breaking 'stuff' down and finding quicker / more profitable use of our time is invaluable.
Happy reading and enjoy applying the Insight to Action Challenges to your world, let me know your thoughts and successes, as a result of completing the tasks set out within the book. Have a wonderful day.


Remember how great great grandfather did the family shopping? He would hook up his team of horses to the big wagon put in the family and trudge off across the prairie for a day or so to get to the nearest ‘general store’. Once there it any great outing for the kid. The store had everything needed from children’s store bought candy to mother’s ready made dress. If the store was lacking that certain special item had been always the option of the catalog.
Pricing is the item is actually not beneficial from shopping over the internet. Online vendors rarely have the huge overhead that most stores need to carry to put their products out to market. Lower overhead indicates reduced costs and products can be provided to you at much more affordable prices. Even when you factor in shipping costs if these people charged, you will most time pay less for goods purchased online.
We started see an actual information route. Any company could advertise it presence throughout exciting world of with minimal effort. The online world browser now could communicate with a company’s data foot. Of course, it was just a heart beat away until web site could actually sell gadgets. The impact of this was absolutely profound. Shopping was changing course. 명품 레플리카 being called internet online Shopping mall for clothes. Family online shopping was born.
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With a web mall, may just type what you’ve to and rrt’s going to display a subscriber list of shops that obtain that product. You can then price compare and other specs for you to make obtain final. Is undoubtedly still ths issue with organic in creating a purchase this way; an individual usually unaware of the quality. For example, if you buy clothes online you aren’t able to look at the threads and the material from the clothes. Nevertheless for some people extent, this problem has been solved with no help of consumer feedbacks. Online malls have in any case one consumer review for almost every remedy.
Focus your practicing on finding clothes that suited your bed frame. A nice A-Line skirt will conduct wonders towards your body structure. Not only may provide a slimming waistline, but what’s more, it over emphasizes the bottom of your legs to give the thought of a slimmer waist also.
Look at the details – what end up being laundering particulars? How much may cost? Can it go everything else your very own? If it’s dry clean only, 5 times what you want to spend and doesn’t go nearly anything – put it back! And save yourself the fuss.
So as can find just about anything really want or need online, would not be able to experience exciting process and joy of taking your friends and family out for a seriously special adventure that exactly the best store can bring you. Leave shopping for your computer. Usually take your friends and family on the best mall in town so can certainly stay in a first class resort room, enjoy some rides, take your time in the bowling alley and watch the latest concert as middle in the mall or at the mall parking area.


Got a creative concept in mind and a corner of the lifestyle empire to rule?
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"Attorney General McDaniel, Senator Key and Representative Williams have been exemplary ambassadors for higher education in Arkansas," Dr. Hudson said. "Arkansas State takes great pride in honoring these outstanding public servants for untiring dedication to their constituents and the State of Arkansas."


Laremy Tunsil Gas Mask Smoking Video
Key & Peele Lose Eating Spicy Wings


Note: Mw = moment magnitude scale, Ms = surface wave magnitude, and Muk = unknown. Th'ded.December 30, 2008.
^ a b Manuel Berberian. "100 years; 126,000 deaths". The Iran9 (UTC).


So we have a theoretical risk that EDTA can disrupt aquatic environments by interfering with nutrient uptake. Is there any evidence?
← Heat Protection Sprays Is hard or soft water better for skin?
5 thoughts on “EDTA”
EDTA is a counter-toxin?


Our panel consists of three professionals who have extensive experience in the topic area and work or have worked in the Solid Waste Management sector. Each panelist will present a 15 minute segment on one aspect with a Q & A segment following each panel discussion. Be part of the discussion - Register now!
General Manager, St. Lucia Solid Waste Management Authority (SLSWMA)
Mr. Justin Roosevelt Sealy is the former Strategic Planning Manager attached to the Water and Sewage Company (WASCO) Inc and currently functions as the General Manager of the St. Lucia Solid Waste Management Authority.
Mr. Sealy brings both management and technical experience from his former employment where he served as Water and Wastewater Engineer, Technical Coordinator with the Planning, Design and Construction Department and Strategic Planning Manager over a period of fourteen (14) years.  He also represented the Association of Professional Engineers on the Board of Directors of the Saint Lucia Solid Waste Management Authority from 2011 until November, 2016 where he gained 4-5 years of experience in the governance of the Authority now entrusted to him.   In his capacity as director he also served as Chairperson of the Technical Committee.
Mr. Sealy is the holds a Bachelor’s degree in Civil Engineering from Dalhousie University in Canada, and an MBA with Distinction in Engineering Management from Coventry University in the United Kingdom.  He is also a registered professional engineer and the immediate past President of the Association of Professional Engineers of Saint Lucia.
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horly rate | Page 2 | Electricians Forum - Talk electrics and electricals with fellow professional electricians
Discussion in 'Business Related' started by opm electrical, Aug 24, 2009.
Discuss horly rate in the Business Related area at ElectrciansForums.co.uk.
but at least we don't deal with human excrement on a daily basis
I was working in a house that was being refurbed and the plumbers removed their waste pipe and left it in a pile in one room. Now I knew that this is where they thought it was going to stay so I contacted the chap who was paying me at the time and politely informed him that there was no way on this planet that I was going to touch it.
Sure enough, the plumbers said that their quote had not included to remove any rubbish from the premises. However, they felt it necessary to remove any copper and put that in the back of their van
As some of you may be aware, I am not an Electrician. I start my course in January.
I actually turned down a long run of work a little while down because the Agency were paying £8 odd per hour I told them in no uncertain terms that they were having a laugh and said goodbye
I believe it's very important to realise what you are worth and if it turns out that people do not want to pay that then they look elsewhere and possibly get a shoddy job done
Now I have a long road ahead of me and there's no guarantee that I will ever become an Electrician but I guarantee if I make it then I will be in business to make money and never out to undercut everyone so that I get the work. It should be about "Quality" not "Quantity"
Cheap quotes in my opinion will reflect the quality of work.
I will not be studying my nuts off to eventually earn just a few quid more than I could sat in a forklift truck or running around chasing a crane. Hell No, I will be quoting to make enough money to provide for my family AND progress my business.
My goal is to one day have people working for my business so that I can just deal with the quoting and running of the business. It would be even better if I ever make it to the stage where I can just sit back and over see the running of MY Successful business
This is years away but IF I make it then this will be my Plan of Attack
£15 an hour, you may as well work for someone else and save yourself the hassle of all the other work you need to do to run a business. If you work for yourself you need to factor in that you do not get paid, as you would if you worked for someone else, for bank holidays, 8 of approx, annual leave, plus the other time you need to put in such as your free quotes, visits to accountant, time when being audited for Part P, HMRC audits, van servicing, repairs etc on top of all the other overheads that have been mentioned, insurance, advertising cost software licences, etc. I charge £35-£40 per hour for domestic, £45-£50 for commercial and from £60 upwards for industrial, max so far I have charged is £120 per hour working in dusty environment at heights. If I can give you some sound advice that is if you are self employed you are a Business man first, electrician second!! If you are a brilliant sparky but a crap businessman your business will fail! Do you sums for a full 12 months and allow for the jobs you don't get paid for or someone going bankrupt as has happened to me.
As a rule of thumb to get your cost right, if you quote and you get every job you quote on, your to cheap!!
Look at getting approx 60% of the jobs you quote on. If you are still getting 85% upwards, put your cost up.
Its better to do less work for more money. If I charged 50% more than a competitor but only get 50% of the work I quote on for similar work, we both end up with same pay but my competitor has to do twice as much work, including paper work, running around to suppliers etc for the same amount of pay and I can have more time off. Some think it's a competition if they 'win' the job but it's all about getting more pay for the work that you do, do!
I'm an electronics engineer (M.Eng) who is looking at going self-employed as a domestic electrical installer, so it's good to see another man has done this. I also want to say, I couldn't agree more. Work together for the benefit of all!
I only wish i had some of mazdamans advice when i started out on my own 3 years ago
I had to learn the hard way,when i first started i used to win 90% of the jobs i quoted for and yes it looked good as the money rolled in,then the bills started landing on my mat
I had to wise up sharp,
Someone said to me once ,if your doing a job ask yourself how much money you are making out of it,if the answer is nothing then ask yourself why you are doing it
Sometimes it is hard to walk away from work even more so with the work situation we all face daily,but i would rather lose a job than do it for nowt.sparkies are there own worst enemy ,selling themselves short instead of commanding the respect they deserve and pay to match.
sparky paul, Dec 16, 2009
I live in a small Town not far from York. There must be at least 15 - 20 self employed electricians in the area, most of which charge between £20 - £25 per hour. If you charge any more, you simply don't get the work, because there are plenty of sparks out there quite happy to be paid this amount.
I'm not just talking domestic stuff here either, thats industrial, commercial, the lot.
Its the same with PAT testing, we used to do quite alot of PAT testing for our regular customers, but then flyers started coming through the post advertising PAT tests as little as 90p per test, it goes without saying, I no longer do their PAT testing!
I have just started and I have based my prices on £25 per hour for public, £20 trade. I have picked up a lot of trade work to be fair. but I will have to watch my profitability, as although I have billed £5k this month, I am yet to cover my start up costs. I took 9K out of the bank to do this and have yet to put it back.
I think that £35 is a real rate that should be charged in order to have a sustainable business. That is if a job is too big , you would have enough to hire another to help. Lower rates than this are really just buying work. I need to buy work at the moment, but I think I should not do this as time goes on.
It is not so bad having a low trade rate. as you are having all of the finding work and customer facing stuff done for you and you are getting a stream of work. Also the person giving that work needs a mark up to cover their advertising and general business risks.
I'm working as a service engineer for a print engineering company. They charge to a non contract customer 155 quid per hour with a 90 quid call out. Thing is, nearly every company that knows the equipment charge roughly the same.
With the electrical trade, everyone else is trying to undercut the next man on their hourly rate, thus creating the competition, that sooner or later will drive the rates down even more .
Amp David, Dec 18, 2009
Martin, not surprised your getting the work for your area that's half price!!
i don't want to be half price - are you sure?
I have seen posts saying it was about average
If it is half price then I shall change it pronto.
I will never pay off my tool bill, tax bill and fuel bill if i keep going as I am.
But i would rather be busy than not so i have to have a strategy forward.
Trouble is I have mostly worked in industrial and at distance from home town, so I don't know many local sparks to get guidance from on pricing etc.
Does everyone agree that it is half price?
martinxxxxxx, Dec 20, 2009
jimmyjazz Regular EF Member
Posts are from all over & prices vary greatly. I live just outside Pompey & charge £50 ph domestic. Whilst I know others on or about this rate, its not just about price its also about selling your services. As stated in earlier posts you got to make sure all of your overheads are covered. At my rate I'm busy, but I can'y afford a Porche, I cover my commitments. It's also harder to raise your prices with your customer.
jimmyjazz, Dec 20, 2009
Thanks for that and I really like the Strummersque name , if aint your day it aint your day.
So do you announce you rate to you customer straight up?
They say they want a new CU and you say ooo that'll be £600 please. Is this far off.
3 bed house rewire empty inc parts £1800 , is this too low?
Too low I would say but I'm in the southwest of london you would be taking £3-4k, Just went to kensington yesterday Client showed me a price she had received for replacing her CU and upgrading the Bonding £900. then again may be all RCBOs etc plus parking and inconvenience for working in london. Everywhere and every job are always different.
pennywise, Dec 20, 2009
I say £30.00 per hour for home counties but for £60.00 count me in !!!!!!!!!
coggy, Jan 12, 2010
I am being brave and putting up my prices, though not to the builders yet, but where I price a job I will go in line with some of the pollster here. I realise I am not making a profit at the moment and I should not just price to work all week on that basis. Otherwise i am just spoiling the market for me and others. I will not rip anyone off but I have taken on board the fact i need to cover overhead too.
I have done the last 2 jobs at a lot more than I usually charge and one of the jobs was for a landlord that owns 6 houses, he said he checked my price, as he did not know me and was told it was ok. So there you have it. Good old jimmyjazz is on the money with this one.
martinxxxxxx, Jan 12, 2010
Stumbled on this as i was searching for info on hourly rates. Dont usual have a problem with it. But went to look at a job today, potentially a big job over the next 2 or 3 years on and off, so am quite interested in it.
Anyway went and had a chat with the client today and told him my usual hourly rate of 25 per hour (north essex area) (I stay quite busy with this rate). he coughed and spluttered! i asked him how much his previous sparks were charging him, he said £18.50 per hour. while i was there had a quick look at some of their work and it was to a good standard.
Other thing is i usually work within 15mins or so of my front door. this job is 40 mins away. I said i would see if i could bring my rate down abit for him. but now im thinking **** it! i would be mad to.
I rekon either his other spark is absolutely desperate for work or he is trying it on to see how low ill go. what do you folks rekon?
jedisparks, Jan 13, 2010
Stick to the rate you charge if you give in on this one you will give in on the next one and before you know you will be paying the client to do the work .
acat, Jan 13, 2010
I really sympathise with your position, but the other pollsters are correct.
If you let a dutch auction take place where the guy can get five sparks in and get the price down to basically a PAYE rate but with you picking up the overheads then it is to the detriment of us all.
Try and neg, tell him £23.50 is you bottom rate if he can make a commitment to use you for at least x hours, you decide what x is. But don't give anything for nothing else he will think you a walk over.
If these 18.50 guys are so good, where are they, prob too busy for him ie unreliable, not real co, some thing wrong there. Ask him who they are. What have you to lose. Bet he won't tell you cause he is having you on. Anyhow we have to live and we won't do on that money.
I am learning that the rate should be min £37.50 and that anything I do for below this should be a loss leader. That is it should serve a purpose. Such as I have a builder who I do work for. When he is doing a new loft I work for him at our agreed rate, but he gets lots of enquiries for electricians and refers them to me, or me to them and I charge them my new rate. So the arrangement serves a purpose. It is a frm of advertising/ marketing of my services.
This is being learnt day by day, I a still prob doing it all wrong. But that is what the forum is for to swap ideas
martinxxxxxx, Jan 13, 2010
I've finally got round to reading some stuff here. Will hopefully post some stuff soon too but here goes.
There are some spot on answers regarding rates. As yet, I'm not an electrician, start my course very soon though. For quite some years I worked for myself in the IT industry. the so called 2k bug was ammusing but then the rates started to drop. From about 35/40ph on rollouts down to about 25 in 2001, then Marconi laid off a load of IT staff followed by HP and Compaq merging. The rates dropped to less than a khazi cleaner in London. I bided some time in a permie job then got out of the industry all together and took on a shop. Now I'm getting back into something I can actually use my brain for but I am not planning on selling myself short (taking I can get through all the exams and the likes). The average round here is about £25/30ph, new to the trade or not, so long as I know that I'm capable of doing the job, I'll charge that or more.
A lot of it is about confidence. If you go to look at a job and start talking so much per hour, the customer straight away knows that you're trying to work out how long it'll take and how much slack you're working into the job. If you get there and say the job will cost £600 and you know it'll probably only take a day and a half but you tell them 3 days and there'll be a few extras thrown in, they're probably going to be more than happy. When all's said and done, most of them only want to know how much they will want to hand over once you're done anyway.
Working for yourself gives you the freedom to make money, that's why we do it. When I was in IT, I would phone other people in the area to see what they charge. I'd then take the average and add a few quid.
I noticed a couple of mentions about plumbers. I know a few from the Legion and local pubs, they may take the preverbial but they do need their work signed off and quite often will not wire in the boilers they're installing. If you've been messed about by one, remember the name, they may call you in one day . . . . . . . . . . .
Hope this rambling helps somehow,
Steve_P, Jan 13, 2010
One thing I've learnt over the last 2 yrs working with the public is they watch these money saving programs and will naturally try and bring the price down your job is to stay put with the price. We have a ruling at our place even sometimes I think the price is too high but " it is what it is, if they don't like it then tough ****, you don't go into business to do favours " particularly electrical when you have a whole lot of liability on your shoulders.
I've also noticed that the most wealthiest of clients are the worst they are megger tight you don't get there type of money by spending it and alot of them will take that attitude to the grave.
I sell kitchens by the way and we deal with 10,s of thousands of pounds but we know we offer a high end product without the ridiculous price discounts for a good fair price and it is what it is.
we quoted a customer £8K for a kitchen he had a second quote for exactly the same kitchen at £14k but it had 50% discount and believe you me, we did the maths right there for him £9.3K he still went for the 50% off because he was getting discount effing crazy or what.
the moral being stick to guns fools are born every minute don't become one.
I'm currently in transition and going down the self employed route as a spark by the time I become registered etc. in late spring I will have spent ~£3-4K and I not even got my 1st job I'll be damned if some ponce is going to get me out of bed for less than £25 per hour after the initial time and money investment not to mention the ongoing costs related to this line of work.
perhaps that might seem a little arrogant or am I standing up for the everyday spark who are continuly being under priced by rogues or customers who expect the moon on a stick
drywax, Jan 14, 2010
cornburn Regular EF Member
7 pages of very encouraging reading here, and a lot of good advice for new start ups. As so many have said, to make a go of it you need to be a businessman first and an electrician second. Things I've learned in the past 3 years:
Saving money is as good as making money, and sometimes a lot easier.
Knock your suppliers down and always have a backup locally.
Stock up on things when they're cheap or there are silly offers.
Budget wisely as there will be times when nothing's coming in ( I just had a 3 week holiday with no income and have 3 weeks training over the next month, allow for this in your hourly rate)
My rate works out between £25 and £75 / hour depending on what work we're doing (not all electrical). You can't really compare one job to another if the customer's different - some have higher or lower expectations or different priorities and at the end of the day you have to work out how to get the most out of them while still leaving them happy with the job and wanting to call you back next time. That's where the skill is, the actual work you're doing doesn't really come into it - it's the customer service.
It's nice to see people encouraging others to charge a decent rate as some of the figures knocking about are ridiculous. Out of an average working week of 60 hours (sometimes including weekends) I'll get paid for 30 hours of it with all the other crap I have to do to keep the business running. Take off training, tools, van, diesel, servicing, van insurance, tax, public liability insurance, membership to various ******** organisations, clothing, advertising, phone bill, bank charges ....................... and you'd be lucky to break even with some of the figures being mentioned on this forum.
Enough of a ramble anyway, one final point I want to make to anyone who hasn't looked into it is the VAT flat rate scheme. If most of your customers are VAT registered then you could be making another 7.5% each year for the hassle of filling in a very simple form every 3 months. Wish I'd done it sooner. For those doing public stuff it wouldn't be worth it as they couldn't claim it back but for everyone else it might as well be in our pockets!
cornburn, Jan 19, 2010
Don't you have to be VAT registered for a couple of years so that an average can be taken or do they just assume that out of your turnover you'll be spending a certain figure on stuff you offset against your final VAT bill? It is dead easy though, you take £xxxxx and give the VAT man a set %age.
Steve_P, Jan 19, 2010
No, I went straight on flat rate from the beginning (they even give a 1% discount on what you have to pay them for the first year). As long as you spend more than 10% of your turnover on materials then you get the good rate of 8.5% (or 7.5% for the first year). No need to offset anything, you just pay them 7.5% of your total turnover (including VAT) each quarter, leaving you with an extra 7.5% (roughly) in your pocket at the same time.
You can still get the VAT back on capital goods too (anything over £1k) so a flash new PC or van can go VAT free
HM Revenue & Customs: Flat Rate Scheme for VAT
Things are a bit different down here in the South West. I'm in Plymouth and charging £11/hr or £70/day, no mark up on materials, full PIR from £30, LABC notification £3, new CCU from £150. And I'm still being undercut !
Janner Sparks, Mar 16, 2010
You should be charging £25 / £30 per hour , ( don't forget the van still needs taxing and insurance you still pay p/l even when your not working.)
It's a case of suuply and demand and at the moment there's not much demand.
If you go in too cheap all will be well for a couple of months until reality kicks in, there are a lot of contractor's going bust because there buying work - don't be one them.
bugsy, Mar 16, 2010
mars6394 Regular EF Member
would love £60 an hour get me that job,i live in Manchester and people are moaning about £10 an hour complete p**s take but with work so rubbish at the mo ill rather take the work then do nothing
mars6394, Mar 16, 2010
Cornburn, this sounds interesting. Do you mind saying what you turnover & what you save.
andyb, Mar 17, 2010
When i started out i charged a million pound an hour, i only ever got one job but hey now im retired
ezzzekiel, Mar 17, 2010
My turnover isn't very relevant (or accurate), as last year I also resold quite a lot of expensive goods which I would have done better on being fully VAT registered. You can easily work it out though on any figures.
In a year you take 40k, and you've spent £5k on bits.
That leaves you pre-tax of 35k profit as non VAT company
On standard VAT if you invoiced 40k+VAT, your bits cost you £5k-VAT = £4255
That leaves you pre-tax of £35745 profit ( so not worth the hassle of the paperwork for £700, especially if some of your customers can't reclaim the VAT)
On flat rate VAT if you invoiced £40k+VAT, your bits cost you £5k (can't reclaim VAT on them)
-7.5% to VAT man = £43475
-bits of £5k = £38475
So if all your customers are VATed and aren't bothered about you charging it then you're £3,485 up at the end of year 1 for the sake of filling in 4 returns (5 minutes each), and you can also get the VAT back on any capital goods over £1k. Everyone's different so you'll have to do the sums to see how much you spend on parts and how much is on labour, that's the key. Hope this helps
cornburn, Mar 17, 2010
Looks good, I need to work it out with materials being a bigger part of my turnover, it' s more than 12.5% as your example.
Yes each year might also be different from the next but you'll get the general idea what's likely to be best for you. Also take into account that the quarterly flat rate return form only has 2 numbers on it - that quarters turnover and the percentage of that you're paying them, that's it. Going fully VAT registered means totalling up all your receipts for the quarter and calculating the VAT so will suck more of your time (unless you're into book keeping)
Very true. Where I live undercutting from the "cash jobs on the side using company materials pilfered from the company van" sort of fellow never seem to go away. I recently quoted £150 for a good 4-5 hours work and was swiftly undercut by a young lad fitting the above description for 50 quid on his day off. The client has since spread the word that my rates are extortionate.
R.J.C., Nov 1, 2011
I would ask the guy for his number. Just say you are always looking for help in this busy time.
Call him book him, film him and shop him.
We can't compete against thieves and rogue traders.
So get the evidence, find a job that is like his day job. i.e if he might have some armour cable, see if you can get him to supply that.
I met a bloke like this, pleasant enough fellow. He drove a very nice company car and told me his firm would allow people to keep the "left-overs" from jobs and that he had a garage full of 2.5 and other cables. He gave me a price for rewires that meant that I would be better off just getting him and his lads to do my rewires and make a decent profit without even getting out of bed, BUT I would need to sign them off. I was not interested in joining the black economy.
All of the laws seem to target the people doing things in a legal way and never seem to deal with the stench of criminals that run rings round everyone else.
We all need to take responsibility to report catch and rid the system of this,
[h=3]All that is necessary for the triumph of evil is that good men do nothing[/h]
martinxxxxxx, Nov 2, 2011
like fire men for example aleady getting a wage and can undercut every one on there long days of
dingledong, Nov 5, 2011
I live and work in the Lincolnshire area near Grim
Try working out what yo want to earn a year £25K for example then add your years van insurance £600 Then Liabilaty Insurance £800 then add your part P Regestration £450 Then a years fule for the van £2500 (if your lucky) Road tax £150 the cost of your 2nd hand van over 5 years so £1,000 per year and so on and so on but lets say there are another 2k of costs and i'm sure thats low witch adds up to £32,500. now work out how many days a year there are. 365 days then take off weakends 104. that leaves 261 now take off your holladays so lets say 4 weaks. thats 20 days leaving 241 days. Thats 8 days less than someone on the books but hey were sellf employed! Now if you work 8 hours a day for those 241 days thats 40 hours per weak! you can charge £16.86 per hour. But that means you dont have time to go to the bank, go to collect materials, quoting, site visits, take the van for MOT or any other thing you need to do. Allso there would be no spare cash to buy a new drill or van tyre.
you would actually be working for less than £13 per hour with all that hassle. you could be working for someone else for that with out the stress!
A reasonable rate would be at least £30 per hour
Sparkytlec, Feb 27, 2012
I charge £30 per hour for a spark or £37.50 for spark and apprentice. Its been this way since 2007 and I have not put it up.
End of the day we are in business to make money, you might as well work for somebody if you work for less.
Dale200bhp, Feb 27, 2012
Snapester CCTV / Alarms
Hi guys, really interesting stuff i charge £250 on my own p/day or £330 for me and mate! Now im really thinking im to cheap what do you think? When i say £250 a day people turn there heads but after reading this i feel confused by it all.
Im in Birmingham so would be interesting to know what you think?
Snapester, Mar 2, 2012
That sounds about right for the Lincolnshire area but I'm not sure for Birmingham.
Sparkytlec, Mar 2, 2012
the thing is what can people expect in this hour, every job is different and they can all come with problems... i do believe when you have all the proper business legalitys if you want put it in place then £15 per hour doesn't cut it... but then in some jobs it woud if you have nice steady organized job..... its a tricky business to make it clean cut and transparrent what you earn and what you will get done in a certain time , la la la la la la la hum
you win some you loose some
getting subbed in is a completely different kettle of fish
i=p/u, Mar 2, 2012
I'm in Newcastle and I'd want £150 - £200 per day net.
Domestic callout 1st Hour £50 and £25 for every hour after that but If there all day just day rate .
Similar for Commercial but £70 and £30.
When I put my tax return in I always think "all that ball ache for that"
Stocksie, Sep 27, 2012
Durham £40 first hour £30 there after... 10% off for regular customers and oap!! still leaves with over £25 per hour!
DurhamSparky, Sep 27, 2012
Absolutely spot on post!
This is true with all trades I see some that barely scratch a living but are excellent tradesmen and others that are coining it in because they have a well designed business model
I sadly learned the hard way by also working far too cheap but have restructured my whole costing system and really focus on customer service and a professional image and my profits have soared over the last few years
Welchyboy, Sep 28, 2012
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Adrian Bosshard, President of CERTINA, is very pleased with the new partnership. "Our brand has been closely associated with motor racing for decades now. In much the same way as great watchmaking, motorsport is the perfect blend of innovation, precision, with a healthy dose of excitement and glamour. The public for the GT4 European Series is right on the mark for us – an energetic, sport-loving crowd that is fascinated by technology, progress and outstanding watches. The GT4 European Series will mean added visibility for our brand, in a racing environment which is truly a second home for CERTINA."
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The Ford prefect was introduced in 1938, the design was the first to be designed outside of Detroit USA and unique to the British market, built at the plant in Dagenham, Essex this was the start of the British love affair with the homegrown family car.
This example only has three owners, the original owner purchased the vehicle in June 1960 and had it in his possession up until 2012 when he passed away. The vehicle was left to his neighbour who is the current owners brother, they exchanged the vehicle and the car. The car was in storage from 1995 to 2012 and upon purchasing the vehicle the seller brought the car up to a superb standard, cosmetically and mechanically.
The paperwork is extensive for this vehicle, the original owner was an engineer and due to his attention to detail he has boxes of spare parts which were always kept in his boot, just in case of an emergency! Tax discs, MOT’s, parts and service details are present alongside the original price list and instruction manuals. The original bill of sale and warranty paperwork is also included to add to the authenticity of the car.
This car's interior is just as immaculate as the exterior, with new red vinyl seats, kick panels, parcel shelf, complete new carpet sets and door rubbers which were fitted in 2014. A receipt of £1500 to confirm the supply and fitting by Kustom Interiors.
This car appears in showroom condition, we have had access to the underneath of the vehicle which is immaculate, a recently fitted exhaust system has been added as well. The owner has also fitted new chrome and badge additions to the vehicle, receipts are included in the paperwork for these, no expense has been spared to make this car in perfect condition.
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There are a number of spare parts that have been with the original owner and kept in its lifetime, these come along with the original tyres as well.
Since June 1995 the car has done less than 300 miles, the current owner though since ownership has had the car MOT’d every year.
This British classic will be sure to catch the eye of any classic enthusiast wanting to get their hands on a beautiful Ford Prefect, this is one stunning example and ready to drive away and enjoy with no work required at all.


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Does influencer marketing pay off always?
Media	Facebook will pay you $40,000. Will you give it a try?
Disparate consumption: Media is more fragmented than ever. While publishing houses lament the consolidation of titles and media sources, content creators, now more than ever, are making videos, images and words that millions upon millions rely on everyday. Where's the right place to be?
It's therefore no surprise that co-creation is now a viable activity for brands: creators have access to similar – or the same – equipment as more traditional publishers and can create content of comparable quality. But is the modern agency in the Gulf equipped to deal with content creators?
We're not actually talking about 'returns' yet, either. It's Regulation. In the UK, US and other countries with a stronger system of policing ads, posts by content creators who are sponsored need to be clearly marked as paid or an ad. We haven't got there yet in the Gulf, but what we do have is the beginnings of a system emerging. Transparency in the regional space would be welcome. First, it would make the creator think, "Do I really want that badly designed dental clinic ad with pictures of rotten teeth on my otherwise perfectly curated timeline?
Don't measure reach: Look for engagement. That's how you measure true relevance. Ask yourself: are the total number of engagements per post consistent?
Clicks: Got something to sell?
How to get on board. Find the fit for your brand by having an empathetic network of people to draw on, then seek out their audiences. Work WITH them. Don't use influencers; work with your content creators. It's an investment that pays handsomely. Content creators are the new publishers. The question is, are you ready to fully reap the benefits of what content creators can do for your brand?


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With the prospect of remote work continuing to be a reality for many Canadians in the months to come, the question of how to bring a sense of normalcy—and productivity—to the home office is being raised.
According to Levitt, going to a public park, sitting on the patio with a drink, or watching Netflix all constitute acts of “time theft” that have become easier to conceal from an employer.
They say increased mental strain—caused by working remotely during a global pandemic—is their main concern.
As a self-described introvert, Weaver admits the prospect of working from home had its appeal.
“It’s difficult to be motivated in the same sort of way—it can be hard to stay on track,” he said. “I’m producing the same amount of things objectively […] but it takes more time.”
Weaver takes issue with the concept of remote employees abusing their at-home environments.
“[There’s the idea that with less oversight] we’re going to immediately stop working, and we’re going to go sit on the couch for the whole day and not get anything done,” he said. “I don’t think that’s at all what it’s been like. Most people I know are working more, a lot more.”
“The concept that we’re all going to take advantage of working from home is the exact opposite thing that’s going on. I think that’s just a very toxic way of looking at people’s ability to survive during a pandemic.”
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As a sex worker, Rhube’s online presence is already focused on her professional persona. She found it difficult to connect socially with others as a result; for her, logging on often meant working.
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World’s Greatest SME Associations
Patrick GlennNov 12 2016
Many, even dreamer-type, business minded people have the concept that they will never rub shoulders with companies like google, Apple or Amazon.
It’s easy to forget that the big names in our world started from a single person’s ambition. We all have to pass through individual challenges to reach our goals, and the only thing in time that determines how far we reach is the level of our commitment and vision. Saying that, the majority of people reading this blog are in the SME stage and I take it as my responsibility to help you along the way! This blog is designed to inform and reveal the World’s Greatest SME Associations so that you can get to know who your go-to business trustees are.
7. Small Business Association of Michigan
SBAM is America’s biggest statewide Small biz Association focused strictly on the well-being of Michigan based SME’s. With a core team full to the brim of business experience, SBAM provides a powerful tool for ‘economic gardening’ (creating the right climate for small businesses growth) and it’s also highly active in the political sphere, supporting SME policies in one of the strongest union states.
https://www.sbam.org
6The UK now has over 5.5million SME’s and counting. Because of the FSB, half of them are able to avoid agitating and time-consuming quarterly tax returns! This is one example of the lobby impact of an association who’s three areas of concern are 1) Commercial, 2)Networking, and 3)Policy Change.
5. Small Business Association of Australia
Though only six years old, the SBAA is certainly planning ahead for SME’s with it’s specialised thinktank set up in 2013. This led to the creation of the Small Business Charter of Australia which, at the SBAA summit in May 2017, will meet to discuss the framework for policy makers in order to create a greater innovation platform nationwide. Props to the SBAA for their national efforts!
http://smallbusinessassociation.com.au
3. Ipswich and Suffolk Small Business Association
Though certainly not the largest association on this list, the ISSBA makes #2 because of its volunteer spirit. For 28 years, this unique East Anglian group has been run purely by small biz owners with the main purpose of aligning local SMB’s with the local growth strategy. In line with this they choose a new charity to support each year, this year choosing atrium studios which brings together fine artists and creative business for awesome local collaboration.
http://www.issba.co.uk
2. The Story Exchange
http://thestoryexchange.org
1USASBE is also thewhich was designed to foster global small business development, aware of it’s crucial role in the stabilization of the world economy. Knowing that America is at the center of the global economy, we can infer that USASBE is truly at the core of future small business growth, innovation and business world unification.
It’s true that the business world can be punishing, but with the world’s greatest SME associations now scribbled down on post-its in your briefcase, you can be sure to find all the support you’ll need to get to grips on obstacles such as restrictive governmental policies, motivation struggles and practical day-to-day management.
Know another association that deserves to be here? Or have an interesting experience with any of these you’d like to share? Email patrick@loyverse.com with the association’s contact details or comment below.
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Arapahoe does an excellent job at making sure all the students know where the campus police office is, and the number to call it from any land line in the building. The front desk also kept up with making phone calls and emails to all the students if there was ever anything we needed to know about, such as any criminal reports of the area, etc.
Professors are great, the support staff is not. Financial aid is not even remotely helpful, it is a miracle if you can get them to return an email or a phone call. The career counselors get a different response to one question from each of them. Don't take anything they tell you at face value, research it yourself.
Atmosphere is clean and quiet. Computer lab & library are great, but neither is open on Sunday and only for a short time on Saturday. Parking and security seem fine, haven't seen or heard of any theft or violence since I have been here. Bookstore is stocked well and there staff is helpful.
The student body is a diverse group of individuals which I feel enriches the social atmosphere. The classes usually fill to capacity and as in my case, are not offered every semester. So for that reason, you must stay on top of enrollment dates to get the classes in sequence as needeourse work is difficult, but not impossible. It feels like a four year institution in the depth of the information being taught.
I am taking a sort of roundabout route in to the Health Information Technology field. I am first going to get my certification in Medical Billing Coding and then use those credits for the AA degree in Health Information Technology. I believe if I can start working in the field as a Medical Billing Coder I would stand a better chance of getting a job in Health Information Technology. If the director of the department is an example of the professors, than I am in for a wonderful experience. The workload will be very intense because of this being a part of the medical field, and because I still have to work. The medical terminology that I don't know but am required to know, science classes that I am required to take in order to get both the certificate and degree. There is also a required internship for both programs. I was told during my meeting with the department head that the class sides are intentionally came small.


finance, accountancy and marketing related matters. There are two types of consultants, internal consultants and external consultants. While internal consultants operate within an organisation, external consultants provide their services to firms and individuals for a particular fee. Reports and presentation are the most common means via which consultants offer their service to their employers and clients.
Corporate Financial Analyst – Candidates with strong analytical ability and a knack for numbers can go for Corporate Financial Analyst after completing the CFA course. The high-profile job of a Corporate Financial Analyst has the potential to reach six, or sometimes seven, figures. They are required to track company’s progress in terms of financial insights and draw conclusions about the future of the company in the same scenario.
Financial Advisor – Financial Advisors offer guidance and advice to clients in terms of compensation. A firm or individual can hire a financial advisor for various services,A Financial Advisor is required to acquire different licenses for providing different services. They are one of the most handsomely paid high-profile professionals.
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The best that there is, was and ever will be
A business school in the truest sense of the word. An amazing campus, wonderful faculty and top notch placements. Great connectivity with the metro lines. Lies on the main roads and is very easy accessible. Hostel isn’t functional right now. The rooms are centrally air conditioned. The library is good and well-stocked.
The best college! One must join Pillai's for experience
By Fatema Ph'grphr (Class of 2020) , 2 months ago
It is one of the best colleges. It has the best academics and the staff is very polite. It has a great campus in Navi Mumbai. The fests are awesome and it the fest is called Alegria. It is one of those colleges which supports students to do any creative project. The college provides fun and knowledge to students.
The college has an active placement cell. There are many companies such as Deloitte, PWC, Future First and Dwight which come every year to select candidates from the college from the Bachelors of Commerce department. The kind of exposure and the opportunities that you get here at St. Xavier's are beyond compare. </s> Unlock HTC Touch Pro Quickly and Easily!
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In this corner, we provide different courses regarding Quran and Arabic language that fulfill various desires. If you need to memorize or recite Quran or to learn Tajweed rules or even to get Ijaza, this is your right place for you. This corner also is for those who wish to learn Arabic to be able to recite Quran, or even to start communication with native speakers. You will find various kinds of help.
tpaca-admin2021-08-16T19:36:14+02:00-All you need is a smart device (PC, tablet or phone) that is connected to the internet. -Download Zoom software or Skype to your device and sign in with your academy account. -And then your teacher will contact you at the scheduled appointment of classes.
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This sounds like an awesome read. My bday is the 15th so I just might have to buy it as a bday present to myself :) Thanks for the great excerpt and giveaway. Can't wait to read more!
I can't wait! I love Celia and everyone in her world! I can't wait to see how she gets out of this!
I am eager to get my hands on this one so can get it signed on 17th and maybe take a photo with you ladies too! :-)
I love Celia Graves! Unfortuantely, I've only read the first book so far, but that was enough to get me hooked:) CONGRATS on the latest release!!!
I have to admit that I have not read a zombie book yet but I've been hearing some great things about them. So I'm very interested in reading The Isis Collar!
Ie. It sounds amazing.. Great excerpt!
wow, I can't wait for this to come out! The last three books were amazing and I have a good feeling that this book will go beyond my expectations. :)
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FXMarveMarvel Review.
FXMarvel offers several account types. All of them provide variable spreads, micro tradeable lots and access to MetaTrader 4 platform. The commission-free accounts offer high leverage levels, reaching 1:500, while the ECN/STP one offers more reasonable margin trading with lower spreads that feature commission fees. Sadly, the exact amount of the commission is not specified by the broker.
Keep in mind that FXMarvel does not accept as clients residents of the US, Nigeria, Iran, USA, Cuba, Sudan, Syria, North Korea, as well as such from restricted and/or OFAC sanctioned countries.
This broker seems to have a rich product portfolio, and ETFs. The company behind the brand is registered with T Despite FXMarvel’s claims to be “a fully-licensed member of the FX community”, we have to say that registration in some offshore island has nothing to do with proper regulation such as the one forex brokerages in the UK face, for example.
UK’s Financial Conduct Authority (FCA) requires frequent reporting from the licensed companies, segregation of client accounts, maintaining net tangible assets of at least £730,000. More importantly, all FCA-regulated brokersasically, this is a collective pool, which collects payments from brokers and later serves as a guarantee, if any of them goes bankrupt. The FSCS covers claims up to £50,000 per account.
As none of these requirements apply to brokers registered with SVG’s FSA, if you choose to invest with FXMarvel or any other offshore broker, your funds are not safe.
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The maximum leverage ratio available with FXMarvel is 1:500, which is quite high and risky. Nonetheless, a lot of forex brokers provide similar or higher leverage levels. This, of course, does not mean one should use the maximum provided by the broker.
The trading platform provided by FXMarvel is MetaTrader4 (MT4). This is the case with most forex brokers, as this platform has become the industry’s standard. It has proved to be reliable, and besides, the MT4 has everything a trader needs: good charting, wide array of analysis indicators, automated strategies (a.k.a. Expert Advisors), enhanced back-testing, social trading options, etc.
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Happy Thanksgiving here in the US. I never get to acknowledge Canadian Thanksgiving, since it happens on the second Monday in October, and as our name so clearly suggests, we publish on Thursday.
1) Not surprisingly, the "Thinking Outside the (Gift) Box" post from the Zoomed In blog, from AI Squared, has lots of ZoomText-related ideas, but has lots of other good ideas too:
2) From Gamasutra, read "5layers":
3) Commercial interests have managed to make us think that the days surrounding Thanksgiving are created for shopping. If you want to join in, here is an accessibility review of the Black Friday iOS app that might help you do so:
6) Blindspot is an open-source PC App that allows blind users of the premium version of the Spotify music service to access it with any screen reader:
7) GW Micro has published three articles related to the use of Outlook to its Knowledgebase
A.):
C.) Accessing HTML Email in Outlook:
15) This article from Time is called "30 Days with Microsoft's Surface Pro 2: It's a Keeper":
19) Turning to a variety of audio content:
A.) Listen to FSCast Episode 84 to learn about Freedom Scientific's plan to dive into social media:
B.) Listen to thewith EasyChirp Creator Dennis Lembree:
C.) Transform Your Mac into a Full-Fledged DJ System with Algoriddim's DJ App:
F.) iOS Basics: Making and Taking Calls on an iPhone when Using VoiceOver:
G.) Using AirDrop to Share Items Between iOS Devices:
H.) Accessing and Using iTunes Radio on your Mac:
I.) Wordventure: Brings the Mad Libs Word Game to your iOS Device:
M.) iBlindTechEpisode #55 focuses on the DoItWrite iOS app for learning handwriting on the phone:
N.) Episode #6 of The Cast addresses Talkback Gestures:
Q.) We're creating this issue late enough that we can easily announce Serotalk Podcast #179:
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Today we woke up in our spare bedroom. We are getting a new king size bed tomorrow and have moved our bed into the spare room in preparation. It has been exciting, a bit like a mini-holiday of sorts. A change is as good as a holiday. Even if it’s just sleeping in your spare room for a few nights.
Work was nice today. My workmates are just so lovely. Had my SARK and my Healing with the Angels cards with me so we had a group card reading session. Tee hee hee. They all dig the cards – the cynical ones too. It’s lovely to have open hearted sessions at work.
Me and Deb went looking for a journal for her and our friend Sally at lunch. She ended up buying one identical to mine… they are such beautiful books! Only 22 more sleeps till Deb goes to Haw*aiiiiiiii… how lovely for her!
Also bought Everyday Enlightenment – How to be a spiritual warrior at the kitchen sink by Venerable Yeshe Chodron.
Then on the bus I had a very groovy yak with Paris. He is one totally cool dude. It is absolutely fascinating to talk to someone who is into the same things ~ his sincerity, wisdom and quirkiness are delightful! Simply *talking* to other people on public transport opens whole new worlds of enjoyment, adventure, conversation and friendship.
Reflecting now back on the day ~ I am quite astounded… I realise that the people which most affected me today ~ Deb, Emelisa, Paris ~ are all *new* additions in Leonie World… two months ago I did not know them! How marvellous is this!


The renovations to Laura's cricket pavilion are almost complete and it's looking gorgeous!
If you'd like to join us do get in touch - we'd love to see you!come!
Thanks for dropping by - I'm off to do more quilting!!
Hope you all have a productive weekend!
This one certainly fits that description. The leather is so parched he who gardens gave it a rub with moisturiser and then oil. Believe it or not this is the after picture - you should have seen it before!
I've quilted the red sun in the centre with a continuous grid in the same way I treated the small quilt but this time I've used black thread instead of red. Around that I've written, ' to the brim, to the brim, to the brim..............


Vickie's Prostitution Blog: YANA Women are Great Art!
Patricia Henley (long term writer, national book award finalist) has visited YANA and maintained a sympathetic interest in our women for years. She's written a play inspired by and dedicated to YANA which has been shown in the midwest. We ought to be seeing here in Baltimore!


Michael Moore: Michelle Obama only Democrat who could 'crushLiberal filmmaker Michael Moore reacted to Wednesday night’s presidential debate by declaring that former first lady Michelle Obama, who is not running, is the only Democrat who could “crush” President Trump in the 2020 election.
“If we don’t run a street fighter, if we don’t run somebody who’s going to inspire people to come out and vote, we’re going to lose again,” Mr. Moore said. “It will happen again if we don’t run the right candidate — a beloved American who’s not an inside the beltway politician type person, but somebody who’t’s going to take us back into the White House,” he continued. “I think there’s a person that could do this. I.”
Mr. Moore argued that the former first lady is a “beloved American” who would be able to go toe-to-toe with the president and not be bulliedhe said. “The Democrat next year [could] beat him We have to make sure that doesn’t happen.”


I do love this time of year, but I am still madly braving the crowds trying to finish my Christmas shopping. Every year I tell myself I must be more organised and start early, but it never seems to happen!Are you all ready for the big day?
Loving this fab scene, but it's the leopard skin shirt that really made me smile!I've still gotta do the baking....Have a great one Judith!


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1912 half eagle,What do you think ?
Discussion in 'US Coins Forum' started by Richard Snively, May 22, 2020.
it's only half a coin? I think you should ask if the reverse comes with it?
Lets see the reverse of it. What is you question ?
The pictures are too dark to give a really good guess. That being said, I don't see any obvious signs of wear. There are several pretty significant hits, so I think you're looking in the 61 to 62 range.
Pretty original skin and luster. Looks like the reverse had a rough life. 63 obverse with a 62/61 reverse.
Low sixties for a grade. It's a common date.


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''Sometimes I think those quarterbacks think I'm slow. They think I won't get to their throw in time. That's what I've been planning on.''Giants General Manager Ernie Accorsi, meanwhile, used another sport analogy to describe Ellsworth's talents.''You know how they used to say Willie Mays never had to sprint and jump to get to a fly ball?
''Everything happens here,'' he said. ''I want to win here and experience everything the Yankees have gone through.''But with Williams under contract and strong safety Sam Garnes due for a big new contract in the next year or two, the Giants might have to make a hard decision on Ellsworth. It could be a fairly classic debate: performance or potential.''I know my weaknesses and I'm working on them,'' Ellsworth said. ''I know it's not all about picking off passes. I want to get rid of that knock on me about my tackling. But at the same time, when you talk about me, don't ignore my strengths.''If you're going to throw stones at me, I'm going to deflect them a little.''Deflect them?


22-year-old Italian midfielder for Sassuolo Manuel Locatelli can pursue a career in “Juventus”already in talks about the transfer of Locatelli. Sassuolo wants to bail out of the Italian 25 million Euro.
Note that in this season of Serie A, the Italian took part in 27 matches, which gave 5 assists. His contract with Sassuolo calculated until 2023.
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If fannie and freddie are the way USA mortgage lenders have securitised 42% of USA mortgages how does it work in other countries?
Now here is my second question.....if fannie and freddie didn't exist wouldn't it be better for the average home owner?
Sure interest rates would be higher but then idiots wouldn't be bidding up the price so much in the first place, so although there wouldn't be as much capital growth tied to increasing sale prices....it wouldn't cost you as much in the first place.


The sun is out again after 8 days of solid rain, this country really needs to strike some sort of happy medium.
There's Butternut 'Avalon' and something else (I lost the packet so can't tell u what) I know there's a Crown Prince in there somewhere. Planted a few spare Ailsa Craig's around one edge to see how they do outside, never had any luck with tomato's out of the greenhouse before, lets see...


We all have them. We gain them and we lose them. Some stick forever and some only hang around you for certain aspects. So, what is a real friend? These three verses from Proverbs sum them up:
Proverbs 18:24 defines what a friend is:It sounds simple right? But what if someone is being bullied? You stand up for them, but you have to be WISE.
With friendship, you help each together and sometimes they have to give you painful advice. And some advice comes out in a way that offends you and you would rather be around people who at mean to you!
So, since the Bible says that we need to correct our friends now and then, we just keep being negative to our friends right? Of course not. God also wants us to encourage our friends especially after they have done wrong. You might have heard some people saying that for every negative, you need three positives to keep your self esteem going. No one likes to feel crushed.


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"At this time we are the only student group invited," said Gordon. "performance. It will present us with both musical and emotional challenges, but also a wonderful sense of pride, community and service."
"We represented one of only two high school groups invited,' said Gordon. "All of the other members were from adult choirs. We also had the privilege of meeting the author of the book who served as narrator for the event, as well as the composer of the piece who joined us on stage and at a reception following the concert."
The Northgate students who attended included Miranda Doyle, Kelsey Armstrong, Andrea Jackson, Micaela Lyons, Jessi Westbrook, Rachel Adornato, Killian Grina, Suzy Jones, Carleigh Myatt, Glenn Bailey, Ashleigh Bailey, Krysten Johnson, Brittany Murray, Keva Kreeger and Forrest Skelton. The students and the adult members of Coweta's Masterworks also toured the Empire State building, visited the "Top of the Rock" (Rockefeller Center), explored St. Patrick's cathedral, the Metropolitan Museum of Art, and Museum of Natural History. They also found time to take in two Broadway shows - "Mary Poppins" and "Catch Me if You Can!"


Julianne has maintained she had a ‘’wonderful time’’ on the show but she is ‘’excited’’ about the meeting that took place and hopeful it can instigate change.
Alt ‘’Whe.


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Buyers remorse…I hate, ahem…I mean strongly dislike the feeling of buyers remorse. At some point, we have all been there. Picture it, you stand in the aisle, stare at fifty choices and somehow-BOOM! The overload of visual stimulation drives you to making a decision that later, you only come to regret. With wonder, you may ask yourself, “what was I thinking, and how in the world did green light this transaction?”
We have to discern the difference between buyers remorse and life remorse. We are all offered one chance, one moment in time to show up and make the best decision that is fitting for the circumstances presented. If we opt to ‘simply choose’ than we forfeit our ability to encounter the ‘best choice’ according to who we are purposed to be.
We can create one million excuses comparing why our sugars should attack life differently than we did at any given point in time. However, we also have to bare in mind that it is impossible to ask someone to do something that has never been modeled or offered. World Changing is not an easy task, and it is not for the weak at heart. There are continual modifications that must be adjusted to ensure that we are changing the trajectory in not only our lives, but that of our sugars as well.


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