Many people will often dream about starting up their own business, but will have no idea of what the steps to starting a small business actually are. Ensure that you separate your personal finances from your business finances – get the mixed up and you'll get yourself into trouble! The goal is to settle on a business idea that you are not only passionate about but also has real market application. Imagine having your own internet based business that actually does require much less time to run and gives you the same or more money. The Business Wizard has customized referrals and information on government or organization contacts for your business.
Planning is key to starting any business and the business plan is a necessary tool in the planning process. Building your own business from the ground up is an exciting opportunity, but it can also be challenging. Increase your business skills and knowledge so you will know how to start a business that has the greatest chance of succeeding. Business licences are location-specific and you usually need a separate licence for each location from which you operate. Starting a business can be a very exciting and rewarding experience, full of possibility.
Finally the course will walk you through a final checklist of operational issues that will allow you to enter the capstone course and your business launch ready to go on day one. Ensure that your business name is unique, make sure that you cant' be confused easily with other companies, make sure an internet domain name is available that matches your choice. These books, provided that they are not get rich quick" schemes, will provide you the detailed information that you need to start a business properly. According to Steven Blank a business startup, or any new venture startup is essentially a proto-type. And while the idea is no doubt appealing, you need to know the ins and outs of business.


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Trigard Burial Vault and Funeral Service: Are you a "next gen?" You're not alone.
Before coming into the funeral industry, I had no idea how many companies were family ran. I think there is something special about a family run funeral home, vault dealer or cemetery.
We do have good ideas. An outsider's perspective can be invaluable. If you are a next-gen, speak up. If you are an owner, listen. You may be surprised at what we have to say.
Being heard means the world to us. Even if you don't use our ideas, it means a lot just to know you listened.
Most of us don't want anything handed to us. We know working hard and earning our way into the business gains respect. Respect is vitally important to us.
We want responsibility. We want to know exactly what is expected of us, so we can prove ourselves.
We want to be involved in the big picture. As family business owners, you have a huge advantage. You know exactly who will be running your business when you're gone. Let us start learning how things work NOW. The more we learn now, the better off we'll be when you hand over the reins.
Are you a member of the next generation trying to find your way into your family's business? You're not alone. Are you a family business owner trying to usher the next generation into your business? You're not alone either. I cannot express the importance of understanding that there are others out there having very similar issues. I encourage you to reach out and have conversations with others in our industry. They may not have all answers for your issues, but I think we can all take some comfort in knowing we are not alone on this roller coaster we call the family business.
Well said. It may be helpful to myself and others for someone other than ourselves to say these things to our predecessors. Thank you!!!!!


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"The Bank That Lived a Little: Barclays in the Age of the Very Free Market."
Held on Thursday, July 5, 2018, 6.00-8.00pm
Philip Augar
David Lascelles (CSFI)
When I read Philip Augar's book, The Death of Gentlemanly Capitalism, published in 2001, he both removed the scales from my eyes and set the scene for subsequent market lurches and corporate scandals. Similarly salutary – and readable – titles followed on Wall St, "The Greed Merchants" (2005), and financial markets, "Chasing Alpha" (2009).
His latest book, The Bank That Lived a Little, focuses on Barclays, one of the few British firms that has tried to mix it with the big boys. Philip documents the ups and downs of the old Quaker bank over the last 30 years, in particular its efforts to build a bulge-bracket investment bank. But the sheer breadth of Barclays' activities means there are bound to be broader lessons. And the timing is spot on as Europe's policy makers fret that their banking champions have been overshadowed by the Americans.
Philip Augar honed his knowledge of the City as group managing director at Schroders and head of capital markets for NatWest. Since then he has been a roving non-executive director (inter alia on the boards of the Department for Education and TSB), chaired the UK Border Agency, and is currently chairing the government's review into post-18 education and funding.
We are, therefore, delighted that Philip has agreed to join us to share his conclusions. We have the ideal respondent in the CSFI's co-founder David Lascelles, who runs the Centre's Banana Skins surveys of risks in banking, insurance and financial inclusion. David, a former Banking Editor and New York Correspondent for the FT, is author of Other People's Money: the Revolution in High Street Banking.
If you (or a colleague) would like to join us for what is bound to be a lively discussion, please let us know by calling 0207 621 1056 or emailing alex@csfi.org. As usual, wine and sandwiches will be provided.
Jane Fuller

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Little Claus and Big Claus
The King's Magic Drum
The Disobedient Daughter who Married a Skull
Miss Britton's Poker
Secret Commonwealth
Karlsson on the Roof
"The Wonderful Man"
The Tortoise with a Pretty Daughter
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Main > Scotland folktales > Fairy tale "Canobie Dick and Thomas of Ercildoun"
Canobie Dick and Thomas of Ercildoun
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Now it chanced many years since that there lived on the Borders a jolly rattling horse-cowper, who was remarkable for a reckless and fearless temper, which made him much admired and a little dreaded amongst his neighbours. One moonlight night, as he rode over Bowden Moor, on the west side of the Eildon Hills, the scene of Thomas the Rhymer's prophecies, and often mentioned in his history, having a brace of horses along with him, which he had not been able to dispose of, he met a man of venerable appearance and singularly antique dress, who, to his great surprise, asked the price of his horses, and began to chaffer with him on the subject. To Canobie Dick, for so shall we call our Border dealer, a chap was a chap, and he would have sold a horse to the devil himself, without minding his cloven hoof, and would have probably cheated Old Nick into the bargain. The stranger paid the price they agreed on, and all that puzzled Dick in the transaction was, that the gold which he received was in unicorns, bonnet-pieces, and other ancient coins, which would have been invaluable to collectors, but were rather troublesome in modern currency. It was gold, however, and therefore Dick contrived to get better value for the coin than he perhaps gave to his customer. By the command of so good a merchant, he brought horses to the same spot more than once; the purchaser only stipulating that he should always come by night and alone. I do not know whether it was from mere curiosity, or whether some hope of gain mixed with it, but after Dick had sold several horses in this way, he began to complain that dry bargains were unlucky, and to hint, that since his chap must live in the neighbourhood, he ought, in the courtesy of dealing, to treat him to half a mutchkin.
"You may see my dwelling if you will," said the stranger; "but if you lose courage at what you see there, you will rue it all your life."
Dickon, however, laughed the warning to scorn, and having alighted to secure his horse, he followed the stranger up a narrow footpath, which led them up the hills to the singular eminence stuck betwixt the most southern and the centre peaks, and called, from its resemblance to such an animal in its form, the Lucken Hare.
The First Liberal Church Coinnach Oer
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Category: Spain folktales
Read times: 48
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Read times: 317
The Wolf-Child
There was once a king who was very powerful. He had great influence over the wild beasts and animals. Now the tortoise was looked upon as the wisest of all beasts and men. This king had a son named Ekpenyon, to whom he gave fifty young girls as wives, but the prince did not like any of them. The king was very angry at this, and made a law that if any man had a daughter who was finer than the prince's wives, and who found favour in his son's eyes, the girl herself and her father and mother should be killed.
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L&T Insurance Agency Inc. was the Creation of Michelle Lebel and her family. With over twenty-five years in the Insurance Industry, she has built an Agency based on family values.
Working previously for Liberty Mutual as an Insurance Agent she learned the ropes in all factors of Property, Casualty and Life Insurance for personal markets. After years in the Corporate environment she yearned to carve a new office environment for both clients and staff. Her ideal atmosphere includes the basic desire to care for clients business needs as well as making them part of the Agency family.
In 2007, Michelle opened L&T Insurance Agency Inc. with her nieces, Danielle and Katie. The business thrived and began to hire more staff. Michelle now has one full time staff, Victoria, and one part-time staff, Alexandra, who run the everyday operations at the office including sales and customer care. Alexandra still works at the office part-time.


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Q: Python tqdm quits before iterating when total is specified I've been looking for a progress bar solution and came across tqdm. After integrating it into my program and following the examples, it ran fine with the iterable that I specified, but initially did not display a progress bar. I found out that the iterable I was using did not support len. I modified the code so that the total parameter was manually specified, and now, running the loop causes the program to quit at 0% progress. Below are the initial and modified code with output:
Initial code:
import pathlib
from tqdm import tqdm

paths = pathlib.Path('F://Music').rglob('*.mp3')

for f in tqdm(paths):
    # do stuff that takes time
    print(f.name) # prints ok

Initial output: 320it [00:00, 25528.56it/s]
Modified code:
import pathlib
from tqdm import tqdm

paths = pathlib.Path('F://Music').rglob('*.mp3')

cnt = 0
for p in paths: cnt += 1

for f in tqdm(paths, total=cnt):
    # do stuff that takes time
    print(f.name) # line not reached

New output: 0%|                                                                                | 0/320 [00:00<?, ?it/s]
It seems like specifying the total in this case breaks it, even though the total count is correct.

A: Your variable paths defined by paths = pathlib.Path('F://Music').rglob('*.mp3') is not a data structure like a list, but a generator.
When you iterated over it to get its length in the variable cnt, you exhausted the generator, and when you tried to get the data from it a second time (when you used tqdm), that data did not exist anymore.
One way to convert a generator into a list is to do an actual conversion, i.e
paths_list = list(paths), and then call tqdm over it. It might not be the best solution if your paths variable contains an enormous amount of data though.

This code should work fine :
import pathlib
from tqdm import tqdm

paths = pathlib.Path('F://Music').rglob('*.mp3')
paths_list = list(paths)

for f in tqdm(paths_list):
    print(f.name)

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Someone Re-Edited Major Films To Only Include Lines Spoken By People Of Color And The Results Are…Well, Short
By Johanna Mort, July 11th 2015
Recently, actor Dylan Marron created a Tumblr page, that shines a spotlight on the lack of diversity in major Hollywood films.
Marron re-edited films to only include words spoken by people of color, and the resulting clips are distressingly short.
Take this edit of 2012's Moonrise Kingdom:
A movie that clocks in with a running time of 1 hour and 34 minutes has less than 10 seconds of dialogue from a person of color.
Ten seconds.
The Cosby Show
Not to mention this lengthy collection of lines from 2014's Into The Woods:
Oh. Oops.
But don't worry! Hope is not lost!
Some of these videos are CONSIDERABLY longer.
So long, in fact, that you might have enough time to switch the video to full-screen mode before it's over.
Of the videos Marron has uploaded so far, this video is the longest at a whopping 55 seconds.
Go Team.
While this is not the first time (nor will it be the last) that people have tried calling attention to the lack of diversity in Hollywood films, it is a very powerful method that is gaining a lot of (much-needed) attention.
One can only hope that if people continue to call Hollywood out on this massive issue, it will start to pay serious attention to its diversity problem.
So what do you say, Hollywood? Can we finally get to the point where these types of videos aren't necessary?
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Through the cumulative effect of official statistics rather than the more usual reliance on anecdote? John's University in New York. About The Author George Ansalone is professor of sociology at St. It suggests that the new student identity that begins to emerge as a result of these processes provides a self-fulfilling prophesy of expectation and belief, which defines how students see themselves as learners and achievers. The Role of Family Chapter 6 Chapter 3. But it is a social construction facilitated both by student attributes including gender, race, and class and by the educational structures and policies some schools employ. Explaining Unequal Achievement: Between-School Differences Chapter 9 Chapter 5. Previous Explanations for Unequal Achievement Chapter 4 Chapter 2.
By presenting the impact of racism on the most innocent and powerless members of society? In doing so, attention will be paid to the contributions to society of those who have been exposed to a variety of educational curricula. This multidisciplinary work is informative, thought provoking, and, most importantly, well researched. It suggests that the new student identity that begins to emerge as a result of these processes provides a self-fulfilling prophesy of expectation and belief, which defines how students see themselves as learners and achievers. Exploring Unequal Achievement: Differences Between Schools; Chapter 5. Informed by research, they must endeavor to see this power inherent in schooling and the need to effect change. Through these practices, schooling becomes a crucial factor in the social construction of academic success.
Unlike other books in the field, it explores the important issue through the eyes of a social constructionist, enabling us to appreciate more fully the power inherent in schools to impact student achievement. He also illustrates how these policies result in systemic barriers to advancement that often then contribute to individual perceptions. This cycle of disadvantage and advantage can be difficult-though not impossible-to break. The author's final conclusion is inescapable: unequal achievement in school is largely a social construction. The author's final conclusion is inescapable: unequal achievement in school is largely a social construction. This book explores the role played by families and schools in this troubling problem.
Few problems have sparked greater concern than the issue of why students from different social origins differ so significantly in their academic performance. I recommend it to all parents, teachers, school administrators, and students of sociology and education. Unlike other books in the field, it explores the important issue through the eyes of a social constructionist, enabling us to appreciate more fully the power inherent in schools to impact student achievement. The second edition has been thoroughly revised to include the most current data and to cover recent issues and events like the 2016 elections and the Black Lives Matter movement. Art Munin has not only done the research, but shows the reader how to locate data on racial and socio-economic disparities, and develop her or his own case or classroom project.
I recommend it to all parents, teachers, school administrators, and students of sociology and education. The Role of the School Chapter 8 Chapter 4. The author's final conclusion is inescapable: unequal achievement in school is largely a social construction. Because of this undeniable fact, parents, educational practitioners, and policy makers must continue to investigate social policies and practices relative to student abilities and make every effort to understand how they may be related to achievement. The book will highlight the arguments of both points of view.
. Conclusions and Discussion Chapter 13 Chapter 7. This book explores the role played by families and schools in this troubling problem. Explaining Unequal Achievement: Between-School Differences Chapter 9 Chapter 5. But it is a social construction facilitated both by student attributes including gender, race, and class and by the educational structures and policies some schools employ. Explaining Unequal Achievement: The Family Part 7 Part 4. It suggests that the new student identity that begins to emerge as a result of these processes provides a self-fulfilling prophesy of expectation and belief, which defines how students see themselves as learners and achievers.
In doing so, the text will compare and contrast the values of such an education with the other important objective of schools and colleges, which is to prepare students with appropriate occupational training. Through these practices, schooling becomes a crucial factor in the social construction of academic success. Few problems have sparked greater concern than the issue of why students from different social origins differ so significantly in their academic performance. Scricca, superintendent of schools in Riverhead Central School District, New York Read more. This multidisciplinary work is informative, thought provoking, and, most importantly, well researched.
It employs a social constructionist approach in considering how ascribed characteristics race, gender, and class intersect with the daily interactions of teachers and students in classrooms and with the educational practices and structures within schools tracking, testing, and teacher expectations to play an exacting role in the construction of success or failure. The author's final conclusion is inescapable: unequal achievement in school is largely a social construction. Finally, the text will conclude with an attempt to suggest the direction that will determine the fate of liberal arts in schools and colleges. A Theoretical Synthesis Chapter 11 Chapter 6. Explaining Unequal Achievement: The Family Part 7 Part 4. This book explores the role played by families and schools in this troubling problem.


It's about one-fifth the number of Inductees in the Rock and Roll Hall of Fame.
In other words, 140 is 0.1870 times the count of Inductees in the Rock and Roll Hall of Fame, and the count of Inductees in the Rock and Roll Hall of Fame is 5.350 times that amount.
It's about one-fifth the number of Population of Vatican City.
In other words, 140 is 0.1660 times the count of Population of Vatican City, and the count of Population of Vatican City is 6.02 times that amount.
It's about nine-and-a-half times the number of Living Kings and Queens.
In other words, the count of Living Kings and Queens is 0.110 times 140.
It's about one-tenth the number of Golf Courses in Florida.
In other words, 140 is 0.09223 times the count of Golf Courses in Florida, and the count of Golf Courses in Florida is 10.840 times that amount.
It's about one-fifteenth the number of Steps in the Sears Tower.
In other words, 140 is 0.06638 times the count of Steps in the Sears Tower, and the count of Steps in the Sears Tower is 15.06 times that amount.
It's about one-fifteenth the number of Daily Newspapers in Circulation Worldwide.
In other words, 140 is 0.06632 times the count of Daily Newspapers in Circulation Worldwide, and the count of Daily Newspapers in Circulation Worldwide is 15.08 times that amount.
It's about fifteen-and-a-half times the number of Symphonies Composed by Beethoven.
In other words, 140 is 15.55555555560 times the count of Symphonies Composed by Beethoven, and the count of Symphonies Composed by Beethoven is 0.0642857142855 times that amount.


For those who are a novice in photography, learning how to properly take pictures can seem quite intimidating. The latest and greatest resources in the world of photography can be overwhelming and unfathomable. The following article gives you some great tips to help you sort through all this information.
Do not let your subject get away from you! If you take too long while setting up a shot, you may very well miss out on the opportunity to take the perfect picture. The faster the shutter on your camera, the better.
Your image can be considerably better if you get in close proximity to your subject. Doing this lets you get your subject in frame, and prevents any interference from the background. It also has added benefit of capturing facial expressions which can add a whole new element to the picture. If your subject is not close, you tend to miss many of the little details.
You should use digital techniques in order to shoot pictures that look like graphic pencil sketches, oil paintings, watercolors, and more. There are various image editing software for digital photos, but the program Adobe Photoshop, is pretty much the industry standard. Providing your photos with those artistic conversions is simply a matter of opening the "filter" menu and picking the effect you find most appealing.
Don't allow the overcast skies to sneak into your pictures. Your photo will look washed out if you have too much gray sky in it. If you have to shoot with an overcast sky, use black and white methods of photography. If the sky is blue and beautiful, include it as much as you want, but pay attention to the light.
Framing is very important when composing your shot. In order to eliminate any objects which distract from the subject matter, you should zoom in on a main focal point. This will help keep clutter out of your pictures, and eliminate any unwanted focal points.
Skies that are overcast should be avoided in photographs. Showing too much gray sky in photos will make pictures appear muted. If you cannot avoid capturing an overcast sky in your shot, opt for black and white rather than color photos. If, on the other hand, the sky is clear and blue, include more of it but consider how the additional light affects the rest of your shot.
Try all kinds of different approaches when working with your camera, including altering the angles and colors you use. Even if the subject of your photograph has been shot a million times before, you can change many different factors to make your shot stand out. A good photograph entails making a photo of something unoriginal interesting, because of their creative skills and talent. Try different things to see what works for you.
Digital single lens reflex cameras are the camera of choice for most professional photographers. A DSLR is a great choice of camera if you want to take top-quality photos. This is what most photographers are using, and if you want quality photos like them, this is what you need as well.
If you're taking pictures of landscapes, you will want to create depth and perspective for the viewer. When you place familiar objects in the foreground of the image, you can help viewers to perceive the size and scope of the subject. You can increase the overall sharpness of your picture by using a small aperture set appropriately for the type of camera you are using.
Make sure your subject feels comfortable. This goes double if the subject is a stranger. Some people look at photographers as threatening. Make conversation and ask them if you can take their photo. Let them understand that photography is not a way of invading their privacy, but it is rather an art.
Composition is an important skill you have to learn about and master when delving into photography. Such as with the other arts, if composition is lacking, your work isn't the best it may be. For better shots, practice different ways of composing your photos.
Typically, our mind like to see things ordered in a very even and centered way. You can make your pictures look original by placing your main subject slightly on one side, rather than right in the center of your picture. Be wary of your camera's auto-focus feature as it will simply focus on whatever is directly in the middle of the lens. Instead, focus the camera manually, then secure the focus prior to taking the photo.
Setting deliberate limitations can spark your creativity. For instance, make a goal to only photograph images that represent one concept, such as "red." Focus your shooting to one spot or room and shoot 100 varied photographs. Limitations can often times allow us to see beautiful, or unique things, that would have otherwise gone undetected.
Some people feel that it is advantageous to wear white clothing when they are having their picture taken, but it is actually one of the most disadvantageous colors a person can wear. Most cameras are set to auto focus, which means that the camera will try to get a "reading" which takes into account all the shades and nuances present in the range of the photograph. White clothing will usually become ignored by the camera and therefore appear washed out and dull.
In most portrait photos, the subject's eyes look directly into the camera. A unique effect occurs in a picture when the subject looks away from the camera's field of view. Another thing you can do is have the subject look at something in the frame, rather than at the camera itself.
You should be on the lookout for artificial or natural patterns to photograph. Patterns can make a photo interesting. You can also make the patterns part of your photo by using them as a backdrop for your subject. This is particularly effective if the backdrop is slightly burred to allow your subject to stand out while still maintaining the interest.
Make sure your photographs possess three very vital attributes. These three components should be a foreground, mid-ground, and background. These artistic elements are as important to a picture as they are to a painting.
Try taking pictures from original angles. There's nothing unique about snapping a picture from a straight-on angle. You can try switching your photography style by trying a birds-eye view of your subject. Alternatively, try kneeling and looking up. An interesting technique involves framing your shots in a quick, diagonal motion; thus making it appear to have an almost unnatural composition.
Try taking pictures from original angles. Anyone can take a photo of a scene head-on. View your potential shots from above the subject or from ground level upwards. Sometimes, a sideways or diagonal view can create an interesting composition.
You can add different filters onto the end of your camera's lens. They attach directly to the lens and can be used for a variety of reasons. An ultraviolet light (UV) filter is perhaps the most common type of filter. It keeps harmful direct sunlight off of your lens. It can also help to protect your lens from damage if you should happen to drop it.
A tripod is a good piece of equipment for a photographer to invest in. When you're taking low speed or active photos, slight shakes are noticeable. Even a less expensive tripod can make motion blur a thing of the past. The professionalism of your photos can be enhanced, and nasty surprises eliminated, simply with the purchase of a good-quality tripod.
When shooting photographs in the wilderness or other natural environment, give your surroundings some extra consideration. Appreciate the beauty in nature, and ensure that you leave no traces when you've finished. Leave your natural photography spots as you found them: pristine and beautiful.
When you work with objects that move quickly, use settings that show them, so that they don't just appear as blurs. This can be accomplished by increasing the ISO setting on your camera, and it's best to experiment a lot with this, until you get a feel for the right ISO setting for the effect you are after. This will allow you to get clear shots of fast moving objects.
Spend a little extra time posing your subject. If you find your family photos aren't turning out very well, it could be because you have too many candid shots. Doing so helps to give you a perfect picture.
To add extra appeal to the photo, find something interesting for the foreground of landscape shots. Include everyday items in landscape shots to give photographs perspective. This will possibly put a greater focus on your subject, as well as create a balance throughout your photograph.
Get closer to your subject. When you want to frame a shot, either zoom into the subject or get closer to it. The main subject should fill the entire frame of your picture. Allowing a lot of background, no matter what it is or how beautiful, takes away from the focal point or subject of your picture. The details will be more noticeable and secure when the subject is closer.
Before you begin shooting snaps and firing off flashes, give thought to the concept you're looking for. Write down some ideas to find ways to get a better shot. Photography is an art that is shown by the execution of a solid plan and attention to detail. This approach can help you become inspired so that you can achieve better results.
These tips should help you utilize your camera properly and help you consolidate and organize all the resources of information that you have encountered with regards to photography. Keeping these tips in mind when you start taking photos can help you one day become a very successful photographer.
Always set white balances yourself. Most cameras automatically choose a white balance for your photos, but for true control of your image, set this manually. If the white balance is properly adjusted, it can eliminate the yellow tinge from a photograph that was taken in incandescent lighting or even transform the general atmosphere of an image.