Manager, Information Security Risk in Miami, FL at Royal Caribbean Cruises Ltd.
Royal Caribbean Cruises, LTD. (RCCL) is seeking a Manager, Information Security Risk to be the information security risk thought leader and team manager responsible for leading, developing, managing, and communicating information security risk to a NIST CSF based governance structure.
The successful candidate for this position will champion and develop a risk management methodology that informs management of IT risk across the globe.
This position will requires superior communication, networking, leadership and risk management skills.
RCCL is regulated globally so the manager should have great working knowledge of country specific privacy laws.
Thought leader and creator of the information security risk program globally. Facilitates business and IT leaders to risk/reward NIST based methodology.
Establish goals for the team of IT risk professionals that manage information security system and third-party risk program working alongside leaders to control information security risk for the organization.
Balances risk with reward of business process to ensure security while maintaining agility within IT lifecycles.
Creates, maintains, and reports metrics related to information security risk program.
Collaborates closely with the governance and compliance teams as well as business and IT stakeholders to ensure that corporate goals are met.
Manages policy exception program and writes policy and standards related to information security risk management.
Manages configuration and implementation of risk toolset.
Ensures budgetary and fiscal integrity for risk management team.
Trains others on risk management best practices with fitment to RCCL business and operational model.
Maintains risk management leading practices to inform program direction.
Reviews and opines on security contract language to align with information security policy.
Ensures that information risk toolset aligns with department budget.
Manages senior level individual contributors, approves expenses, and manages employee compensation within corporate guidelines.
Bachelors in Information Technology/Security, Computer Science is preferred, non-technical degrees with Computer Science fundamentals will be consider combined with technology experience.
At least one Information Security certification such as CISSP, CRISC, GIAC, etc. required.
Lean Six Sigma green belt or greater preferred.
3-5 years of Information Security Risk experience.
5 years of Information Technology experience.
5 years' experience in managing small teams and projects.
Superior written and verbal communications required.
Expert with Microsoft Office suite of applications, ability to convert raw technology metrics into meaningful reports at an executive level.
Practiced at creating purposeful metrics, KRI¿s/KPI¿s that convey risk messages and identify areas for improvement that are actionable by executive teams.
Knowledge of information security frameworks such as NIST, ISO, FISMA, etc.
Knowledge of risk frameworks such as Octave, FAIR, ISACA RiskIT, ISO 27005, and /or NIST 800-30 or 800-37.
Knowledge of global privacy laws, regulations, and guidelines.
Ability to articulate risk to employees and third parties at all levels within and outside the organization.
Should be able to show up at office environment and work at least 8 hours a day for 5 days a week.
Up to 10% travel internationally may be required.


Any Aussie mum worth her Saltwater sandals is prepared for a picnic at any moment of any sunny day. Under the pram she carries an arsenal of gear: an amazing picnic rug she picked up at the markets, containers of cut fruit, crackers, cheese and nuts, all tucked into a lovely tote bag from Kollab.
Kollab makes fab cooler bags, lunch bags, and totes perfect for impromptu picnics or weekend trips to the beach. The company collaborates with local Australian designers and artists to create simple bags with beautiful, vibrant prints.
The bags come in water resistant poly or coated paper with leather look handles. There are insulated wee lunch bags (from $17.50) for mum and bub outings, medium sized bags for a bigger gang (from $27.50) or large cargo bags that are perfect for carrying a family's beach gear or lunch for a single teenage boy.
Kollab also creates tote bags, make-up bags and clutches, and for winter weather that's decidedly unfriendly for picnics, you can bring Kollab to the kitchen with its pretty paper serviettes and placemat sets.
Kollab ships anywhere in Australia for $7.95.


Critical Effect is a full-line game store with a great selection of "gamer games" - a full selection of RPG's, tabletop miniatures, card games, board games, and more. If you're looking for a place to browse for a long time, this is a good place to go. They have several gaming tables in the back and a packed-to-the-brim gaming schedule, with events every night of the week. They stock the complete Goodman Games line, participate in industry events, and attend the industry trade shows. They even have our old Adventure Finder poster from the 3.5 era posted on their wall! Critical Effect has a section of old lockers which they rent to gamers who use their open play area.
Endgame is a spacious full-line game store. The store has two floors, with product on the first floor and ample gaming space on the second floor. The door opens to popular board games. There's an alcove off to the side with a large selection of RPG's and several miniatures lines, including a full selection of GW miniatures. Endgame stocks Goodman Games in limited quantity due to the heavy RPGA activity there, but has a large RPG selection overall and carries Goodman Games products that will interest its clientele. It has a "mom lounge" where non-gamers can park while significant others shop. The gaming area upstairs is awesome - I counted six miniatures tables with terrain, ten tables for card and board games, and cabinet after cabinet of miniatures terrain, including some real high-end foliage emplacemnents. It makes me want to start playing 40K again.
Kryptonite is a collectibles shop for everyone. The store has a large selection of sports collectibles, a good selection of games, and a good selection of comics frontlist product. They have a strong RPG area, well organized and easy to shop, and featuring all the Goodman Games 4E releases. I picked up several new comics while I was there, too. The store just moved to a large off-mall location in a new building with its own gazebo out front and a large gaming room downstairs that can accommodate 40+ gamers. The store looks great and I hope I can make it back in the summer for the grand opening BBQ they were talking about!
I've talked to the Misty Mountain guys every year at the GAMA Trade Show without ever knowing exactly how large their store is. I believe it is the largest game store I have ever seen. Dave, the owner, told me it's 6,000 square feet, 4,000 of which is game space. It's truly impressive - almost like a warehouse masquerading as a store. The back "hangar area" is a huge open space for cards and miniatures, and there are also two closed-door rooms in the front that are set aside for RPG play. There must have been more than 50 gamers in the card/minis area when I was there, plus one group in an RPG room and somebody running a demo up front. It is great to see this many gamers enjoying the hobby. On the RPG side they have the DCC spinner rack still stocked with some 3.5 modules, although their 4E selection was missing some titles. (This is because they sold, which of course is good, so Dave was putting in a re-order.) There's a broad assortment of popular board games, card games, RPG's, and other such. The most amazing thing I saw -- and pardon my predispositions here -- was the even gender balance among the gamers in the back. It was predominantly male, as most game store populations are, but among the 50+ gamers were a fair representation of female gamers, most of them playing CCG's. Based on first impressions, Misty Mountain seems to be doing a great job of promoting the gaming hobby to new customers.
Pegasus is a great all-around game store that is nearing its 30th anniversary. Any game store with that kind of history deserves recognition. The store is organized and well-presented, stocking a good selection of all gaming categories - cards, RPG's, board game, and miniatures. They have the full selection of Goodman Games 4E products, and a ton of other RPG products to boot. Cthulhu products are popular here, and they were excited about the Age of Cthulhu line. There's gaming space in the back, and they had our new "Your Source for D&D 4E" poster hanging on the wall. Plus there's good luck in this store -- I got some good pulls on my Star Wars miniatures purchases!
Yay Madison! I used to play cards at Misty Mountain when I lived there. Good times. And Pegasus Games is the basis for Pegasaurus Games in Dork Tower.
I was down in Philadelphia this morning, getting some ink at one of my favorite tattoo places. For some reason, I remember Adrian Pommier telling me about a game store called "All Things Fun" in West Berlin, NJ, which isn't that far away from Philly.
So I decided to check it out.
The store has a great selection of comics, board games, and roleplaying games. It's clean and well-organized, making everything easy to find ... and if for some reason you can't find what you want, the staff is very knowledgeable and helpful. Lots of stuff for 4E and for Pathfinder on the shelves (I found the whole collection of "Punjar" modules on one of them), as well as a whole bunch of White Wolf games.
Better still, there's a lot of gaming tables in the store ... gaming tables that get used. While I was checking out the shelves for new games, I noticed a group playing 4E, and a couple other folks playing a variety of card and board games. If you live in the area, All Things Fun looks like a great place to find other gamers.
I managed to pick up the "Black Goat of the Woods" expansion for the Call of Cthulhu board game, as well as some new dice.
It's a great store. If you live in the area, check it out!
Chicagoland has two stores called Dreamland Comics, which are unaffiliated despite identical names. The Dreamland in Libertyville is a well-stocked comic store with a large display of new releases for Marvel and DC, and a smaller area for new comics from other publishers. They have a well-organized library of graphic novels, including all the "Essentials" from Marvel. Their gaming selection covers Warhammer 40K in depth, a smattering of board games, and the basic D&D 4E books from WotC. They special order other RPG's upon request. Overall it's a good comic store with an up-and-coming game section.
Royal Hobby is one of the oldest hobby shops in the region, with nearly 40 years in business. Over the years, its four long aisles have been stocked with every conceivable hobby trend, including a full aisle of RPG's in the late 70's/early 80's when D&D was the new fad on the block. They still have one aisle dedicated to miniatures and RPG's, alongside a huge selection of model airplanes and other hobby materials. The owner, Ken, has been playing D&D since its earliest days, and is knowledgeable about all things grognardia - including the illustrations in the original 3 OD&D books from 1974, since one of the original artists works at the store! Royal Hobby Shop is a classic midwestern hobby shop, a great place to spend your time in a land of long winters.
Another great addition to the Chicagoland gaming scene, Gamers Asylum is a year-old gaming shop just off the campus of Northwestern University. The shop continues to expand, and just moved down the street. Their new storefront is spacious, with lots of room to maneuver around the large gaming area directly inside the front windows. They also have more gaming space in the back. The store carries the core selection for D&D, Warmachine, Warhammer 40,000, and a variety of other product lines, and is on its way to becoming a fixture in Chicago gaming!
Lost World of Wonders is a full-line comics shop in Milwaukee. I love the fact that they stock deep on new and recent comic releases. One of my challenges as a comics collector is that I don't make it to the shop every Wednesday, so I often need to buy several weeks' worth of new releases at a time. Many comic shops stock the recent releases light and sell out by the time I make it in, so I'm stuck missing random issues of a run. When I visited Lost World of Wonders I was able to stock up on random issues of several of my favorite series, since they had hefty quantities of the last 4-6 issues of just about every comic I read. They also have a huge TPB selection and in general are a large store. As far as gaming goes, they have a selection of cards, and a back room used primarily for card gaming. Their RPG selection is currently limited to the WotC 4E books, although they participated in the Goodman Games Level Up promotion for Worldwide D&D Game Day and are looking at bringing in the whole line.
Joseph, I think you are doing these businesses a wonderful service. Keep it up!
"More dice than any other game store in the midwest!" That's what the owner James says, and I daresay he's right! Below are photos of some of the store's dice selection; there's at least one other complete fixture that I didn't photograph, as well as the other half of the cash wrap. They even manufacture their own custom-made dice that aren't available anywhere else. I picked up a couple "cheater's dice" myself, including a d20 with two 20's and no 1. Critical hits, here I come!
Game Universe is a fun store, especially if you're a role-player. They have the largest RPG selection of the five Milwaukee stores I've visited, including about six feet of wall space dedicated to Goodman Games. Almost all of their RPG's are shelved face-out (as opposed to spine-out), making the RPG's very easy to shop. Their selection includes 4E as well as a huge assortment of 3E products, and they actively stock used copies of the Wizards 3E core rulebooks. Yes, that's right, you can buy a third edition PHB or DMG here, as well as third edition supplements from all sorts of publishers. 3E lives on at Game Universe!
Outside of the dice and RPG's, Game Universe also has a wide selection of board games, an assortment of RPG-oriented miniatures from Reaper, and a couple tables of gaming space in the back. It is a great game store for gamers.
Adventures in Gaming is a spacious full-line game store with an emphasis on miniatures. It consists of a 2,400 square foot main floor and another 2,400 square feet of basement gaming space. The walls of the main floor are almost entirely lined with miniatures, including complete selections of every current miniatures game that I could think of offhand, as well as some import lines and a selection of resin and plastic scenery kits. AIG also has some board games and a wide selection of primary RPG publishers, though I didn't see a lot of third party or "indie" representation; the store's focus is definitely miniatures. There are gaming tables on the main floor. In the basement, there are 6-8 game tables, many with some high-quality scenic terrain for miniatures gaming. I like the fact that the basement gaming space has a bulletin board with flyers from local takeout restaurants, and a "You Are Here" notice with the store's address posted nearby. You can tell the local gamers spend a lot of time at this store, gaming and eating pizza!
Cavalry Games is one of those game stores that is packed to the brim with products and then has gaming squeezed into that! When I was in the store they were running a Magic tournament with about 10 guys and had literally packed people into every available space to get the game going. The walls are filled with board games as well as a selection of Games Workshop and other miniatures. They have a limited RPG section, mostly focused on the core 4E books, since their primary businesses are cards and miniatures. I was personally impressed by their point-of-sale system. They record customer email and snail mail address, and you check out by giving them your email addresses. They have a rewards system that's tracked via the email addresses, and customers get coupons as they accrue rewards. The coupons are then emailed to the customers as they receive them. All in all it's pretty slick.
Board Game Barrister has been on my list of "stores to visit" for several years now. I've always heard great things about it being an example of a well-run mall store. After visiting the store I have to say I agree. It is a mall store, meaning it focuses on mass-market games with limited overlap to "gamer games" - these are not quite the same as the products most gamers would buy at Gen Con. They have a very limited RPG and miniatures section, focusing mostly on board games as well as children's toys and educational products that you won't normally see at a game store. But that's a good thing; this is the kind of game store that serves as outreach for the industry, pulling in the mass market and introducing them to the products that serve as a gateway to the hobby. Board Game Barrister is clean, well-lit, spacious, easy to shop, and staffed by helpful, friendly employees, with a terrific selection of family game products, and enough basic selection of RPG's and miniatures to fulfill the special orders of any local gamers.
Game Towne is a store located in San Diego's Old Towne, where it is soon celebrating is thirtieth anniversary. The storefront opens into a large selection of traditional family games, including mass market titles like Monopoly and Risk. Walk a little further and you find the "gamer games," including miniatures and an extensive RPG section.
The RPG's are shelved face-out so they are very easy to shop. I've seen other stores that could fit more titles by shelving them spine-out, but Game Towne makes them very easy to browse because the cover always faces the customer. Their RPG's are still heavily focused toward 3.5, and most of the 3.5 products are 30% off. Game Towne also stocks the Spanish-language editions of the core D&D 3.5 books.
Game Towne also has a large selection of Starfleet Battles products and related accessories. And I mean, large! There is more Starfleet Battles / Star Trek gaming merchandise here than in any store I can remember visiting. They even have a line of Star Trek plastic miniatures imported from Japan and still in the Japanese packaging; I've never seen these elsewhere.
There's a back room with 3 gaming tables and a library of board games, as well as a small demo table in the selling space.
My favorite part of the store, however, is the display of antique games. In a glass case in the rear section of the store, the owner has displayed his collection of classic games. This includes several printings of Monopoly from the 1950's, as well as other games no longer in print. Some of them are more than 100 years old. I have seen stores selling vintage D&D books before but never before such a collection of game history. It's a neat addition to the store.
Game Empire: Land Of A Thousand Games! I like the audacity in that title, and Game Empire delivers. The store sells board games, miniatures, RPG's, card games, and some family games (puzzles, chess, and the like) in the back. But the focus is clearly on miniatures. Even though the board games greet you when you walk in, the largest amount of floor space is dedicated to an impressive selection of Games Workshop product, and a wall of Warmachine. Game Empire stocks more Warmachine than any other game store I've visited. They stock the full assortment of Woodland Scenics materials for miniatures aficionados. They also have a well-organized selection of Reaper miniatures where each row of hanging racks is dedicated to a different D&D character type. There's a row of elf miniatures, a row of fighters/barbarians, and so on. This is a store that understands what their customer is looking for.
The open gaming section takes up about 1/3 of the store, and has a half-dozen tables. There are clearly regular tournaments being played here, and behind the counter are the store's very classy trophies from prior events (with the winners' names printed on them). The open gaming area has several huge displays of painted miniature armies. Not just painted figures, but entire armies, and they're painted to a very high standard. (Game Empire rents the display cases to customers, so they can store their armies here in the store instead of transporting them.) There is a game library for use in the open gaming area (including older RPG's from the 1980s and D&D 2E books), a wide variety of bitz boxes, and a HUGE selection of miniatures terrain for both fantasy and sci-fi games.
Pair-A-Dice Games and Comics is a game store that became a games and comic store which is now going back to just games. They still have a healthy supply of trade paperbacks, many at discounted prices if you're looking for a deal. On the game side, they have a large selection of board and card games, including the largest Munchkin selection I've seen in a game store. And if you buy a certain amount of Munchkin product you get a free Munchkin T-shirt! The miniatures section is primarily Games Workshop and Privateer Press. RPG's are shelved on a couple bookshelves spine-out, with D&D and White Wolf games being the primary focus. They have 3.5 Goodman Games product and now are thinking about bringing in the 4E line. About a quarter of the store's total square footage is devoted to gaming space off in a side room, which was filled with lively gamers when I was there. The staff is very friendly and welcoming, and we had a great chat about the business.
X-treme Games is a game store focused on gaming first, product second. It has a greater percentage of floor space devoted to gaming than most other stores I've seen. The front of the store has two tables for miniatures gaming; there's a section for computer gaming in the middle; and then the back has seating for at least 50 gamers at tables suitable for card or RPG gaming. The store has been growing rapidly and recently moved to a new location where they're steadily bringing in new store. Their primary focuses are Magic and card games, D&D 4E, and Games Workshop miniatures -- at least for now. Over the coming months they're looking to expand into all the space allowed by their new location.
Rockhead's is a large comics and game store devoted to gaming, gaming, and more gaming! The store is much bigger on the inside than you'd think from the outside, filling a long space whose center is lined with a row of tables. When I visited the store was filled with gamers playing RPGs and miniatures. The gaming selection includes a large RPG section and a good selection of miniatures, cards, and board games. In the back there is also a complete comic section, with back issues as well as new titles. The owner actively games and was running a delve when I visited -- always a good thing, in my opinion! The RPG area includes a wide variety of backstock from prior editions as well as current editions, including some fun classics like It Came From The Late, Late Show.
Unique Gifts and Games is a full-line game store tucked away in the place you'd least expect it. On a quiet small town main street, this shop offers a good selection of miniatures, cards, RPGs, and board games all in one store, along with gaming space. The store also has a gift section focused on gems, statuettes, and other such things. One twist that I like is the selection of fantasy novels that they offer, which is a natural crossover with games but one you don't often see represented. Another thing I noticed is that they carried accessory products for the larger lines -- for example, they had Litko tokens related to some of the miniatures genres they carried. This is a sign of a store that pays careful attention to the needs of it customers. The walls are plastered with game-related posters, which I love -- it was like having gamer eye candy all around, just waiting to be ogled. When I visited there were two boisterous games running on the tables in the back, and it was clearly a community-oriented store since one of the owners was playing in one of the games!
Galactic Force is a new toy and game store in the Chicago Wrigleyville area. The store is new but growing, and clearly dedicated to building a strong local gaming community. They've signed up for Free RPG Day in their first year (bravo!) and are running games in a separate rental property adjacent to the storefront. This is a real sign of commitment: they're actually paying more rent to run games in a separate property. The store's selection is focused on core items at the moment, primarily CCG's, collectible minis games (like Star Wars), some board games, and the core WotC D&D books. They also have collectible toys, including a full assortment of G.I. Joe figures.
Joe, what are those dogs in the pictures? Is one a poodle?
Those are my dogs, Warhol and Liam. They're both poodle mixes, or as I prefer to say, demi-canine.


text:
FILM RECS: SPOOK-O-RAMA
Words by Nicole Stunwyck · Artwork by Vartika Sharma
Sleazy and sinful screen thrills from the early decades of Hollywood! Macabre monster pictures from the mad 1950s! There must be other scaredy-kittens like me out there who wish that coming across horror flicks without gore was an easier task. I'm someone who is brought to tears by the mere sight of blood (like that time I left the movie theater in the middle of "Midsommar" because I had started to cry), so I've compiled this list of my favorite non-sanguinary pictures for you to watch over the course of October while isolating at home. Since usual Halloween traditions won't take place on a massive scale this year, my hope is that these films will provide you with enough entertainment throughout the month as you continue to shield others and yourself from the pandemic.
1. Horror Workout
One of the highlights of this hour-long mega campy workout video from the VHS era is an aerobics class taught to a group of zombies by the iconic "Queen of the B's" Linnea Quigley, a nickname honoring her prolific career as a B-movie actress. I was surprised to find out that she does, in fact, exercise in this tape despite her impracticable fashion choices like the studded leather underwear with tights she is seen wearing during her first stretching routine. Trashy, silly and perfect for fitness aficionados, this is guaranteed to make you a die-hard Linnea Quigley fan.
2. Popcorn
In 1991, a group of idiotic film school students decided to raise funds through a horror triple-feature at a haunted movie theater and the outcome was soap-opera-levels of disastrous. Equal parts funny and freaky, what makes "Popcorn" one of my personal favorites is that it feels like a genuine attempt to celebrate the spooky B-movies of a bygone era while still remaining fresh, original and, most important, true to its weirdo, self-parodying essence.
3. Something Weird
Living up to its psychedelic title, this oddball of a movie features everything from LSD trips and ESP powers to Kung-Fu fights and an ugly witch disguised as a mod supervixen. Although the director, H.G. Lewis, was nicknamed the "Godfather of Gore" for his disturbingly gory pictures, he also directed a bunch of non-gruesome exploitation films during his lengthy career and these are gems of utter madness. I dare you to experience this eccentricity without weirding out!
4. Monsters Crash The Pajama Party
In the original release of this spooktacular 30-minute monsterama film, actors dressed up as villains would invade the theater to scare members of the audience, and if that fact alone doesn't make you want to watch this terrific B-movie right away, I honestly don't know what will. The official DVD contains over three hours of spooky vintage video content, and I would argue that out of all the films on this list, this is by far the best one to play at your one-woman Halloween slumber party.
5. Torture Dungeon
Wildly underrated and my own favorite horror movie of all time, "Torture Dungeon" concerns a depraved duke in medieval England plotting to kill all heirs to the throne in order to claim the crown himself. All characters prance around in their Renaissance costumes quite sinisterly, and the eerie atmosphere combined with the odd camera work create a perfect feverish 1970s atmosphere. The moody lightning does a great job at minimizing the gore but I would proceed cautiously with this one since it does feel like a never-ending bloodbath at times. It is, however, a triumph in low-budget filmmaking.
6. Freaks
Feel your eyes pop out of their sockets with the absolute most disturbing picture of 1930s Hollywood! Rightfully regarded as an avant-garde masterpiece, this circus- themed, class-conscious horror shocker follows the story of an evil trapeze artist seeking to marry and murder an enamored dwarf in order to steal his money. Given the director's decision to cast performers with real genetic deformities, the movie was met with plenty of controversy upon its release to only be rediscovered during the 1960s via the grindhouse theater circuit. Both the film's content and IMDB trivia page are so full of sheer terror that I was unable to sleep the night I saw it.
7. Teenage Monster
A town is paralyzed with fear after a teenage boy, who looks like a werewolf, seems unable to stop killing. He breaks free from his chamber to commit the most atrocious murders, despite the maternal love, piles of picture books and bounty of candy he receives from his mother. The ending is simply heartbreaking. Super spooky and super sad.
8. Cat People
In this gloomy terror film from the 1940s, a Serbian fashion illustrator fears she will turn into an evil panther if romantically aroused by her husband. Unsurprisingly, all the men in the movie think she is totally bonkers but as her behavior starts to become increasingly creepy, they begin to doubt themselves. The shadowy atmosphere combined with the innovative sound effects invite spectators to fill in the void of what's not shown onscreen, which is precisely what makes the movie so unnerving and petrifying to this date: your mind will be disturbed by all the possibilities.
9. Baba Yaga
This Italian art-horror flick from the 70s oozes pop art and surrealism, and its dreamlike sensibility will surely end up getting under your skin. A fashion photographer named Valentina falls under the spell of a mysterious gothic witch played by Carroll Baker and begins to experiment with trippy Nazi-themed nightmares and "accidentally" kills her models when taking their pictures. If for some reason you find yourself in need of that instant satisfaction that only dizzyingly sensual European movies can offer, look no further!
10. Mystery Of The Wax Museum
A hard-boiled female journalist begins to suspect that the mad sculptor of a wax museum might be hiding something dirty so she sets out to discover the truth. Set against the moody backdrop of 1930s New York, this early Technicolor thriller plays out like a bewildering fever dream that gets increasingly bizarre (and scary!) as the plot unfolds. I won't spoil anything but keep in mind that every single "house of wax" movie that came out after this (including the Paris Hilton one) borrows their story from this original, and it remains the coolest!
Nicole Stunwyck is a writer and director from Peru. Inspired by classic Hollywood cinema, she explores feminist subjects in her movies while intending to create cathartic visual experiences for women moviegoers. You can find her work @nn.icole
Vartika Sharma is a visual artist based in New Delhi, India, working in the medium of collage and photography. Through her work, she likes to explore the female identity and idea of self in a world possessed by images.
COPYRIGHT © NEARNESS 2020. ALL RIGHTS RESERVED.

redpajama_set_name: RedPajamaCommonCrawl


The Smith & Wesson SWW-LW6097 EGO Large Dial Watch with silicon strap, is a timepiece designed to keep up with your active lifestyle, while maintaining its bold look and dependability. Designed with an alloy case housing, this tactical-tough watch has a black dial with Japanese quarts movement to move the (3) white hands that display the hours, minutes and seconds. The stainless steel case back provides a water resistance up to 10-meters (33-feet). This watch includes a black rubber strap with white numbers and measures 49-mm in diameter. The Smith & Wesson SWW-LW6097 EGO Large Dial Watch comes with a 1-year limited warranty that protects against defects in material and workmanship. Smith & Wesson prides itself in designing and manufacturing innovative solutions that are unparalleled in the field of personal safety and protection. Most major law enforcement and military agencies in the world use Smith & Wesson products. Smith & Wesson products enhance public safety, security and protection all over the world.


Everyday biomarkers are common biological organisms that express information about an ecosystem or its many parts. In this assignment, you will find and observe an organic system (plant, insect, animal, or a combination of these) to infer something about the environment. Working off ideas from Nurturing Natural Sensors, your goal is to find something living and use it as a sensor.
You can apply any mode of inquiry to identify local biomarkers: online research, interview an expert (e.g., local gardener, beekeeper, etc.), personal experience. Once you pick a bio-indicator or biomarker you must find it in the real world, document it (photograph or video), and explain what it tells you about the environment.
Post your assignment under the "biomarker" category.
For this project, I used an Arduino Uno board and MCP9808 heat sensor from adafruit. In the firmware I used Adafruit_MCP9808 library provided with the sensor and Arduino wire library for I2C communication. With this setup I was able to get the temperature reading from the sensor through serial monitor without a trouble.
Next part is to visualize the temperature reading meaningfully. I decided to try out a very simple mechanism to provide a visual expression about the current temperature. Here my goal wasn't to visualise the exact temperature value, but to provide a sense of in which range the temperature is. Derived from the previous work "Unlocking the Expressivity of Point Lights" by Harrison et al, I decided to use a single LED to create a temperature visual expression.
I modulate the temperature reading to a square single as follows and send it to the LED. In my experiment I used 110F as the upper limit.
So, the LED will blink faster as the temperature increases and slower as the temperature decreases.
After few experiments with different temperatures (on top of my coffee cup, inside a ice cup and in normal room temperature) I learned this method is capable of expressing temperature levels, but human eye is not capable of identify the change of the blink rate when it increases gradually.
So in next steps I will need to try few other blinking patterns as Harrison suggested going beyond directly modulating to the pulse width in order to provide a rich visual expression of temperature using this simple method.
The hike into the tribal land of Havasupai Falls, Grand Canyon is an intense 12 mile hike through various rugged terrains. Descending over 2000 feet, the climate changes drastically from the top to the bottom. The one consistent heat related aspect of the hike is the intensity of the sun. The sun intensity drastically effects the experience of heat throughout the hike. Beginning at 5800ft elevation, the trailhead is often scorching hot as their is no shade throughout the first 2 hours of the hike. Once you have completely descended into the canyon, the walls begin to provide sporadic shade. However, hikers are still exposed to the sunshine more than the little shade available. As such, the experience of descending into the canyon is very intense(even more so on return as you are progressing uphill).
As I prepared to descend the Canyon with my friends, I finalized a DIY UV sensor to measure the amount of UV, Infrared and visible light intensity. I embedded the system into the top of my hat. Hats are critical for protecting your face, neck, shoulders, eyes and body. As such, I collected a sampling of the intensity of these variables throughout the descent from the Supai Hilltop to the Havasupai Village, some 8 miles and 2000 feet in elevation. I recorded the start time as we took our first steps from the hillside.
Using a 9V battery afforded the compact installation of the full system into the inside top of my shade hat.
I chose to ditch the breadboard because I had plenty of power and ground sources as well as ports to wire my peripherals into. I borrowed an OpenLog SD card reader/writer to the solution to enable portable capture of the incoming data.
Although I used my handkerchief as the barrier between my skull and 9V of streaming data electrons, I prototyped the solution using a shopping bag.
I also made sure to log my on/off times so as to compare my narrative from human experience to help identify data anomalies or variations. Of course, shaded parts of the canyon will reduce the UV index and likely other data points. Most of the shade should have been in the end of the data stream for example(as we arrived in the village, we experienced more tree and canyon shade.
Although the data is now being reviewed, I can see in the data where some of my experience is analogous with the recorded information.


This 2014 work by a local blacksmith is situated at the Market Square, High Street in the historic Co Down town of Ballynahinch (A24). Comprising a set of public seating, handrails, tree guards and representations of sails, all items were hand forged. Galvanising of these items provides an attractive rustic finish as well as long term protection from the elements.
This work is a good example of both the aesthetic and practical benefits of hot dip galvanising. Unlike other forms of finish, galvanised steel has a naturally rugged texture which requires minimal maintenance while affording a high degree of protection from corrosion.
On these sails the history of Ballynahinch is depicted, through forged steel from all elements were represented from The battle of Ballynahinch in 1798 right through to the market town that is it today.
At Sperrin Galvanisers, our highest priority is providing you unmatched service and support. Please contact our team, and we'll be in touch as soon as possible.


おき(置き) came from the verb 置く(leave). This is like "an interval (between the actions)" here.
Daijobu desu yo. Kono eki kara wa 2fun oki ni denssha ga deteimasu kara.
Because there is a train every two minutes from this station.
My friend goes to Japan every other year.
In this town there is a telephone pole standing every 100 meters.


We have done Blue Monday puns in Innovation on several occasions. The dealing screens this morning are duly showing a more optimistic colour to start the week, but there is no escaping that global equity markets are acting as if next door's dog has left a present on the front lawn.
As we tried to explain last week, sometimes the mood music of the markets just changes. One minute everyone is happily humming along to S Club, then someone puts on Leonard Cohen instead.
There is plenty to rock the boat, in fairness. But nothing that would single-handedly tip it over. We have the Italian budget, Brexit, trade wars, slowing Chinese growth, the strong dollar, the oil price (and the entirety of Middle East geopolitics). We have the United States economy growing too quickly, and too slowly. The list is not comprehensive. We have not yet mentioned Emerging Markets, high equity valuations, or even the lamentable state of corporate accounting. This is not even to mention rising American interest rates and bond yields.
What we have is an outbreak of normality, sanity even. As we tried to argue last week, weeks or months when equities fall are part of the haecceity of investment. There should be wailing and gnashing of teeth. This is real life. The problem is not that share prices are heading south for the autumn, it is that most of the past decade has been a tea party.
We spent part of last Friday afternoon looking at some numbers. It is the sort of thrill that one gets occasionally working in a research team. So let us share some with you. Looking at the 400 or so largest companies in the UK, the average share price fall from the high point of the last year is 23.7%. The median fall is 21.7%. The outcomes in smaller stocks are similar, but not quite so bad. Whichever way you try to dice that cake, those falls are significant.
Those who attended our roadshows earlier in the month will know that we argued then how much better American equity markets were performing relative to everywhere else. It may be a surprise therefore that the average fall from peak within the S&P 500 Index is 19.0% (and the mean 17.3%). In the language of statisticians, that is not a million miles different from the outcome in the UK. That, I am forced to admit, surprised us.
You will know that we are in the midst of yet another earnings reporting season. The treadmill never stops. Amazon and Alphabet may have been the centre of attention, but the mood of the markets meant that they were always going to find something wrong as an excuse to kick the stock prices. That is actually healthy.
Let's put some context around this. We are halfway through the reporting process in the US and it has been going very much according to plan. Of the 48% of companies in the S&P 500 that had reported by Friday, 77% have posted earnings above expectations and 59% have beaten sales forecasts. Aggregate revenues are 0.8% better than expected and earnings 6.5% better (all data source FactSet).
It is a quirk that US earnings are always expected to be better than expected. The earnings numbers though are even further ahead of expectations than expected. And no one expected that. The economy looks to be in decent shape too, with the first guess at GDP growth in the third quarter of the year being a healthy 3.5%.
We have yet to mention the B word this week. Yes, it is Budget day. It is a rum state of affairs when even the Chancellor admits that this afternoon's proceedings are pretty much a waste of everyone's time. Everything will have to be rethought in the light of what happens, or does not happen, between now and the end of March. Still, never mind. At least we are getting a commemorative fifty pence piece, if not a first class stamp.
Halloween will doubtless trundle on until, err, Halloween. The day after that is both Thursday and November. The day after that is the first Friday of the month and therefore sees the release of the latest US employment data: both jobs and pay. Knowing as we do what the markets think they have recently trodden in, Friday's non-farm payrolls are bringing to mind the phrase for which Sir Alex Ferguson is best known. It is going to be a windy week.
Few knew that John Lennon's cat was Elvis. Today, what is the significance of the discredited antiinflammatory drug oxyphenbutazone to board gamers?


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BMRS is committed to maximizing the career opportunities of qualified Hospitality professionals. There is NEVER a charge to Candidates for our services. Our business is dependent upon finding exceptional professionals and we look to form lasting relationships with them. Our Clients include the finest independent restaurants and restaurant groups in the country. Many of these companies have used us exclusively for many years when seeking the most qualified Culinary and Management Candidates. BMRS prides itself on working only with superior employers who are deserving of the very finest talent available. The Restaurant Solutions Team researches and meets with all potential Client Companies prior to seeking Candidates for them.
BMRS partners with both our Client Companies and Candidates to assure mutual success. Our policy is to meet all candidates in person in our office, whenever possible, so we can truly get a clear understanding of what justifies a great next move in their respective careers. Our goal is to sincerely get to know each candidate so that we can fully understand what they are looking for in their career progression and then to present them with positions that might be applicable. Factors that are discussed and considered include: concept, title, job responsibilities, compensation, growth potential, commute and even quality of life. In pairing these requirements with our Client Companies' needs, we hope to assist in finding a great fit for both parties.
We take the time with our Client Companies to understand the exact qualifications, skills and personality traits desired in a Candidate, as well as the complete details about each position. This thorough approach enables us to give Candidates as much information as possible for prospective positions we present. We also learn about a company's culture, vision and goals in order to aide candidates in their own exploration through online and onsite research.
After meeting with BMRS, we share with Candidates any and all applicable opportunities, including the merits and details of each position. Candidates are encouraged to research each opportunity and to speak with our team with feedback and questions. We will never present a Candidate's resume or name to any of our Client Companies without approval. Once a Candidate has all of the information about a position and is interested, we present their resume to our Client with their salary requirements and availability for meetings. We remain very involved in the hiring process; coordinating interviews, stages and in the case of chefs, setting up tastings in our confidential Test Kitchen. We also help to negotiate and finalize offers when requested. We are deeply involved throughout the process and are always reachable via phone and email. We feel that this intimate, hands on approach is essential.
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The spatial reorganisation of the Master's Lodge at Jesus College to provide increased Fellows' accommodation made it necessary to create a new stair. The remnants of a stair dating from the 16th century were discovered, but 19th century changes rendered this unusable. An alternative route had to be considered, necessitating the removal of a 16th century floor. After a successful planning appeal the floor was removed and a stair inserted. The formation of the stairwell exposed a fascinating palimpsest of construction, including a 12th century nave column of the nunnery church, a 17th century cupboard and a paint scheme. The stair was designed to be open and transparent so that the discoveries could be viewed in the manner of an open archaeological excavation.


Senate Finance Committee ranking member Ron Wyden Ronald (Ron) Lee WydenOn The Money: Inside the Mueller report | Cain undeterred in push for Fed seat | Analysis finds modest boost to economy from new NAFTA | White House says deal will give auto sector B boost Government report says new NAFTA would have minimal impact on economy Hillicon Valley: Washington preps for Mueller report | Barr to hold Thursday presser | Lawmakers dive into AI ethics | FCC chair moves to block China Mobile | Dem bill targets 'digital divide' | Microsoft denies request for facial recognition tech MORE (D-Ore.) on Wednesday urged the IRS to investigate the findings of a lengthy New York Times article that President Trump Donald John TrumpRussia's election interference is a problem for the GOP Pence to pitch trade deal during trip to Michigan: report Iran oil minister: US made 'bad mistake' in ending sanctions waivers MORE and his family engaged in "dubious" and possibly criminal tax schemes in the 1990s.
The New York state Tax Department has also said it's reviewing the allegations in the Times article, and New York City Mayor Bill de Blasio (D) said Wednesday that the city will seek to recoup any money that the president owes.
The president has called the Times story a "hit piece," and White House Press Secretary Sarah Huckabee Sanders has called the story a "misleading attack."


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Why Drayton Is Important
I had been coming to Canada for several years, sampling the theatrical riches of the Stratford and Shaw Festivals, before I discovered the Blyth Festival and added it to my theatre-going repertoire. It was several more years before I discovered the archipelago of theatres operated by Drayton Entertainment. What the hell took me so long?
I may be wrong (I frequently am) but I would guess that Drayton is well off the radar screen of the average visiting American for whom Shaw and Stratford have long been favored destinations. In fact, I wonder how many regulars at Shaw and Stratford ever take in a show at one of the Drayton theatres. I would love to see a Venn diagram of the audiences of the Shaw Festival, Stratford Festival, and Drayton. My guess is we'd see a fair amount of overlap between Shaw and Stratford, but less from the Drayton audience. Again, I may be wrong and if anyone knows different perhaps they will be good enough to set me straight in the Comments section.
What is Drayton Entertainment?
Drayton Entertainment is not a "festival" a la Stratford, Shaw, or Blyth. It has no "repertory company." It is a professional, non-profit theatre organization founded in 1990. It is still run by its original artistic director, Alex Moustakas, which must be some kind of a record for longevity. The nearest American equivalent I can think of would be a string of summer stock theatres under a single management.
Drayton Entertainment began with one theatre in the eponymous village of Drayton (pop. 1,880), a forty-five minute drive north of Stratford. It now comprises seven theatres in southwestern Ontario, from the King's Wharf Theatre in Penetanguishene on Georgian Bay in the north to the Hamilton Family Theatre in Cambridge, to the south.
All of the ones I have visited (I have yet to make it to Penetanguishene) are comfortable, even luxurious, venues ranging from 100 seats at the modest St. Jacobs Schoolhouse Theatre to 660 seats at the Huron Country Playhouse near Lake Huron; a smaller second stage at this location has 300 seats. The newer theatres boast state of the art technology and seating that rivals or even surpasses the major festivals' for comfort and sight lines.
The Drayton season runs from roughly early May through Christmas, although none of the theatres operates throughout that period. Of the fifteen to eighteen shows that are mounted in a typical season, none plays at every venue and seldom at more than two. Production values are high and ticket prices are modest, a winning combination.
If I'm right that Americans seldom discover Drayton and the culture vultures who haunt the major festivals all but ignore it, all I can say is it's a doggone shame. Drayton occupies a very special niche in southwestern Ontario's theatrical firmament.
Let me count the ways:
Drayton Can Do What the Festivals Simply Can't
The entirely laudable aim of the two major Festivals to create resident repertory companies that showcase the best talent Canada can afford, while honoring the ideals of equity, diversity, and inclusion, creates some unintended consequences.
The most noticeable of these is that, when casting plays written years ago when the patriarchy ruled the roost and cast lists were largely male, there simply aren't enough men to go around, which is why we see so many women taking on male roles. Sometimes, as with the Stratford Festival's Hamlet this season, the goal is to make an artistic statement. More often it's simply to fill roles, usually minor ones like soldiers, when you've run out of male company members.
The results can be unremarkable or laughable, as in a Shaw Festival production of Cyrano De Bergerac that featured women playing multiple male roles, sticking on and whipping off perfectly silly looking mustaches.
But what if gender and ethnicity are crucial to the meaning of the play? Well, compromises have to be made and not always successfully.
Drayton doesn't operate under these constraints. A perfect example is director Marti Maraden's production of Twelve Angry Men from 2019. This play is very specifically about toxic white male racial prejudice. Make some of the jurors women or BIPOC and the whole point of the play goes out the window. The result of the freedom Maraden enjoyed in casting white actors who were precisely the right age and type for their parts (along with her brilliant direction) made this production the artistic triumph of the season. Neither Shaw nor Stratford could have pulled it off.
Unfortunately, in this post-pandemic era, given the financial hardships all theatre companies are experiencing, it will be a while before Drayton has the wherewithal to mount a similarly ambitious production. Let's hope that time comes again soon.
Drayton Incubates Talent
I'm no expert on the ins and outs of the casting scene in Ontario, but I would hazard a guess that the odds for a young actor getting an audition for a Drayton production are considerably better than getting one for Shaw or Stratford. This allows up and coming performers to hone their craft in relatively low stakes surroundings while waiting for the so-called "big break."
A case in point is Chelsea Preston who is wowing audiences in a star-making turn as Roxie Hart in Donna Feore's smash production of Chicago at the Stratford Festival this season. Prior to being cast by Feore, she appeared in Drayton productions of Grease, Hairspray, and Cinderella: The Panto. Those experiences obviously served her well and I don't think it takes much of a crystal ball to predict that she is a talent who is going places.
Drayton also provides performers a venue in which to spread their wings. I had long admired the work of Mike Nadajewski who spent a number of seasons at the Stratford Festival impressing me in subsidiary roles. He came into his own, at least in my experience, when he was cast as Man in Chair in Drayton's revival of The Drowsy Chaperone. Now he has a starring roles at Shaw, this year in Damn Yankees.
Drayton Values Old-Timers
Far be it from me to accuse any theatre company of ageism, but Shaw and Stratford have a puzzling way of either letting go or losing some of their most experienced and beloved performers. Seana McKenna and the late Martha Henry are exceptions that prove this rule.
In recent seasons I have had the pleasure of seeing terrific actors like Brian Tree, Benedict Campbell, Jim Mezon, Randy Hughson, and Keith Dinicol in Drayton productions, all of them alumni of Stratford and Shaw and all of them splendid.
Drayton Is Family Friendly
Yes, Drayton will mount serious drama. Twelve Angry Men is a perfect example. But for the most part, the straight plays they produce are more likely to elicit adjectives like "uplifting" and "heart-warming" than "searing" or "transgressive." On Golden Pond and Driving Miss Daisy, both slated for this season, are good examples.
Drayton's taste in comedies is also distinctive. While Stratford is presenting Every Little Nookie, a comedy about polyamory and swingers' parties that features full nudity, Drayton is presenting Buying The Farm, a show that is not only, yes, heart-warming, but which speaks to the lived experience of many in the audience.
And if you'd like to dispense with the need to follow a plot, Drayton offers up a regular menu of concert-like shows featuring a variety of middle of the road musical genres, shows like Fiddler On The Loose, The Crooner, and Good Ol' Country Gospel, all scheduled this season.
And let us not forget the musicals, which at Drayton tend to be more "popular" choices like Mamma Mia! and Sound of Music, rather than the more cerebral fare produced by Stephen Sondheim or Brecht. And I doubt we'll see Cabaret at a Drayton venue any time soon.
Drayton Isn't Snobbish
"Middle-brow" isn't a dirty word. Neither is "low-brow." Both of these genres are part of a healthy theatrical diet, the roughage if you will that helps one digest the refined fare of Shakespeare, Strindberg, and Shaw.
Scan the production history of Drayton, and ask yourself, "How many of these plays and musicals would have made the cut at Shaw or Stratford?" Some musicals, yes, but how often does Shaw or Stratford mount Neil Simon or Norm Foster? And how often have you seen plays by these two playwrights and absolutely loved them? I rest my case.
Drayton Does Farce
I'll admit it, I'm a sucker for farce, the lower brow the better. Drayton delivers in this department as well. It is a rare season that doesn't include at least one English farce, usually by the protean Ray Cooney. This season it's It Runs In The Family.
There are strict rules for this kind of farce. Premier among them is the dictum that, if the pretty girl's dress gets ripped off (and why not?), she must be wearing a smashing lingerie set underneath. In my experience, Drayton doesn't always get this right, but I'm willing to forgive them.
Drayton also serves up "pantos," or pantomimes, something of a cousin to farce. Pantomime is a peculiarly English art form in which a popular story like Cinderella, Jack in the Beanstalk, or (this season) The Wizard of Oz is used as an excuse for a raucous, occasionally ribald, gag-filled musical show crammed with topical references. One of the de rigeur elements of panto, and one of the oddest to American eyes, is the "pantomime dame," a ludicrously overstated woman's part played by a man in drag.
English pantomime is a treat that we Americans seldom get to sample. Canadians obviously have stronger connections to the mother country. I'd encourage my fellow countrymen to take the opportunity to see one if their schedule and Drayton's coincide.
Drayton Is Easy on the Pocketbook
I know it's crass to talk about money, but in these inflationary times it's good to know you can enjoy a show without taking on a second mortgage. The top price for a seat at the Stratford Festival's Chicago is over $200. My ticket for Mamma Mia! at Drayton's St. Jacobs Playhouse was $53.
And In Conclusion . . .
What more is there to say? I hope I've made a solid case for the importance of Drayton's place in the theatrical ecosystem of southwestern Ontario theatre. I'd be willing to bet that if you see something at Drayton this year you will agree that, whether you love it or not, it was nothing like what you saw at either of the major festivals. If you're visiting from the States, more likely than not it will give you a story with which to regale the folks back home.
Visit the Drayton website and see what meshes with your travel schedule.


The Local Bike Shop, a mile away from the house, is only open from 11 am - 6 pm on weekdays and Saturday. So after a crazy restless night of not-quite-sleep, I spent the morning working on various things at home and then gingerly rode the Jolly Roger over to the shop.
In spite of its boutique-like appearance, the mechanics there were perfectly happy to have a crazily heavy mountain bike with a picnic basket on the front to work on. By now I think the Jolly Roger's due for a spa treatment, so we went over a whole series of items in great detail.
One of the mechanics suggested trying to do a helicoil thread repair on the stripped crank, so that's what they're going to try. Given that the pedal seems all right and the other crank is fine, it totally seems worthwhile. First things first, though, I asked them to go ahead and work on getting the stuck seatpost out. The same mechanic who recommended the helicoil trick showed me two examples of other stuck seatposts he'd extracted recently. I'm glad to have someone work on it who's enthusiastic about the project. When I took the Jolly Roger in to the bike shop in Nebraska, the mechanic looked me in the eye and said, "We don't do seatpost extractions." The bike mechanics at my father's shop in Seattle also gave the Jolly Roger the hairy eyeball. I don't think the mechanics in Arizona or California would have been interested in the project, either, and I wouldn't trust the bike mechanics in Texas.
I gave them a handful of reflective ducks. I should probably give them a bunch of reflective Jolly Roger stickers when I come back in to pick up the Jolly Roger.
Then I rode Froinlavin in to campus again.
The local bike co-op is called the Albany Bike Rescue, and has open shop hours on Tuesdays and work days on Thursdays where people refurbish bikes to give away. I'll make it over there eventually.


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Forget buy-to-let! I'd aim for a million with a Stocks and Shares ISA instead
'SNL' skewers Southwest Airlines for mass cancellations over holidays
September 26, 2022 Cards & Loans Leave a comment
Home equity loan and line of credit (HELOC) rates rose a bit this week.
The Federal Reserve hiked its key short-term interest rate by 75 basis points, which will drive up the cost of borrowing money.
The Fed hike will most directly affect HELOCs, which often have variable rates tied to what the central bank does.
If you have a HELOC with a variable rate, be cautious when borrowing more money as rates will likely continue to increase for a bit longer, experts say.
Expect to pay more if you're borrowing money against your house. Thank the Federal Reserve.
That's not just the case if you're planning to take out a new home equity loan or line of credit (HELOC). If you already have a HELOC or loan with a variable interest rate, that's going to go up.
The Fed last week announced it would raise its benchmark short-term interest rate – the federal funds rate – by 75 basis points as part of its ongoing bid to rein in persistently high inflation. Prices were 8.3% higher in August than they were a year earlier, according to the Bureau of Labor Statistics, which was higher than expected.
That increase in the federal funds rate is designed to discourage spending and encourage saving, aiming to bring prices down.
"Inflation is a major concern for people," says Brian Walsh, senior manager of financial planning at SoFi, a national personal finance and lending company. "It impacts everyone and it's especially harmful to people on the lower end of the income spectrum. The Fed has to get inflation in control and they have relatively limited tools to do that. Whether it's perfect or not, they need to use their tools at their disposal. One of the main ones is raising rates."
A higher federal funds rate will mean higher interest rates for all types of loans, and it will have a particularly direct impact on HELOCs and other products with variable rates that move in concert with the central bank's changes.
"Any way you cut it, it's not going to be fun to have a higher payment every month on the same amount of money," says Isabel Barrow, director of financial planning at Edelman Financial Engines, a national financial planning firm.
Here are the average home equity loan and HELOC rates as of Sept. 21, 2022:
Last Week's Rate
Previous Week's Rate
$30,000 HELOC 6.75% 6.51% +0.24
10-year, $30,000 home equity loan 7.15% 7.08% +0.07
How These Rates Are Calculated
These rates come from a survey conducted by Bankrate, which like NextAdvisor is owned by Red Ventures. The averages are determined from a survey of the top 10 banks in the top 10 U.S. markets.
How Will the Fed's Rate Hike Affect Home Equity Loans and HELOCs?
Home equity loans and HELOCs are similar. You use the equity in your home — the difference between its value and what you owe on your mortgage and other home loans — as collateral to get a loan. That means if you don't pay it back, the lender can foreclose on your home.
They differ in how you borrow the money.
Home equity loans are generally pretty straightforward, in that you borrow a set amount of cash upfront and then pay it back over a set number of years at a fixed interest rate. The rates for home equity loans are based on your credit risk and the cost for the lender to access the cash needed.
The Fed's benchmark rate is a short-term one that affects what banks charge each other to borrow money. That hike will raise costs for banks, potentially driving higher interest rates on products like home equity loans.
Interest rates for home equity loans tend to be a little bit higher than for HELOCs, but that's because they generally have fixed rates. You aren't taking the risk that rates will rise in the future – as they likely will. "You have to pay a little bit more in interest in order to get that risk mitigation," Barrow says.
HELOCs
HELOCs are similar to a credit card secured by your home equity. You have a limit of how much you can borrow at one time, but you can borrow some, pay it back, and borrow more. You'll only pay interest on what you borrow, but the interest rate tends to be variable, changing regularly as market rates change.
A lot of HELOCs have variable rates that track the prime rate, which moves when the Fed's benchmark rate does.
"For people that have variable rates, whether it be a HELOC or a home equity loan, we do expect those to increase as the Fed increases their rates," Walsh says. "Those interest rates are based on the prime rate, which is essentially the Fed funds rate plus 3%. As the Fed funds rate goes up by 75 basis points, we would expect the rates on HELOCs to go up by 75 basis points."
HELOCs with variable rates will see that rate increase after the latest Fed rate hike and for the foreseeable future. Keep that in mind as you decide how much to borrow and what to spend it on.
What Can You Use Home Equity Loans and HELOCs For?
While a mortgage is used primarily to pay for a home, you can use a home equity loan or HELOC for basically anything. But just because you can doesn't mean you should.
The most common use is for home improvements, especially those that are expected to increase your home's value. With the economy's near-term future uncertain, Walsh advises that you be careful when you borrow. Think about the reason you want to tap into your home equity and decide if it's worth what will likely be higher interest costs.
"We don't want people to get into the habit where they treat their home equity like a piggy bank or like a credit card for discretionary purposes," he says.
Home equity loans can be useful for consolidating higher interest debt, like credit cards, which also get more expensive when the Fed hikes rates. Experts advise caution when turning unsecured debt into secured debt – you run the risk of losing your home if you can't pay it back. If you do choose to use a home equity loan or HELOC to help get yourself out of a hole of credit card debt, Walsh says the most important thing is to make sure you don't keep digging yourself a deeper hole at the same time.
"If you're using a HELOC or a home equity loan to consolidate credit card debt, I wish it would just be mandatory that you stop spending on a credit card," Walsh says. "What ends up happening is someone consolidates their credit card debt and then a couple of years later, now they have their home equity loan or HELOC on top of new credit card debt because they didn't address the underlying problem that got them into credit card debt to begin with."
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How Will the September Fed Hike Affect Existing Home Equity Loans and HELOCs?
If you already have a home equity loan with a fixed rate, "quite frankly what the Fed does doesn't matter," Walsh says.
The Fed matters a lot for HELOCs and loans with variable interest rates. Because those rates will rise, and will likely keep rising for the foreseeable future, you should think carefully about how you use them. "It's really important to know whether you have a loan that will adjust," Barrow says. "If you do, you need to be prepared for that loan to adjust upward, meaning it's going to cost you more and more every month."
If you've got a lot of money borrowed in a HELOC right now, one option that may seem counterintuitive might save you a lot of money, Barrow says. You could take a cash-out refinance – despite mortgage rates being above 6% – if the total savings in your HELOC will offset the cost of moving to a higher mortgage rate. "It's not a foregone conclusion that a refi makes sense but certainly you need to be prepared for a higher rate on a HELOC," she says.
Rates won't stop rising with this hike. The Fed is expected to keep its foot on the gas through the end of the year, at least until inflation is well on its way down toward 2%. Consumers should be wary of taking out too much debt with variable rates.
"We may look at it and say a rational person would say the Fed is going to continue to raise rates, therefore it's going to keep on getting more expensive for me to borrow money from a HELOC and it's going to affect my payments," Walsh says. "Generally speaking most consumers don't behave in a perfectly rational manner. They tend to underestimate that and it'll catch them by surprise if they don't talk through it with someone who can weigh the pros and cons with them as they're using their HELOCs."
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Highpoint Editions artist Clarence Morgan was commissioned to create a print for the prestigious Des Moines Art Center Print Club! Founded in 1981, the Des Moines Art Center Print Club encourages the study and appreciation of fine prints and supports the print activities and collections of the Des Moines Art Center.
"Ordinary Wonders", which was printed at Highpoint Center for Printmaking, is a 12" x 12" 2-color lithograph/1-color screenprint on 15.5" x 15" Rives BFK white paper.


I'm currently sat in my office, empty suitcases wide open on the floor, clothes scattered as far as the eye can see – this is my current attempt at trying to pack for my trip to India. As you can imagine it's not going particularly well, as I've managed to wander over to the blog to start a new post instead, but you can't always choose when inspiration will strike right?
I was looking over my accessories and deciding which items to pack: a new bag, a few pairs of sunglasses and my new flat espadrilles, and it got me thinking about the times that I prefer to buy luxury accessories over high street, or vice versa. Looking back over my last trips I can narrow down which versatile items I've splurged on and then managed to style multiple times, and which items I've picked up for a fraction of the cost.
So here they all are, in one detailed blog post. My current favourite holiday accessories, for those sunnier climates and a choice of whether to invest and splurge, or go for the high street option and save your hard earned money to treat yourself during your holiday instead!
Let's start with the most obviously of holiday accessories; sunglasses. I live in what seems like possibly the rainiest place in England right now and I used to live in Manchester, dubbed Rain City for it's never ending deluges, but I'm never without a pair of sunglasses no matter what the weather. This means when packing for my holidays, I do tend to splurge on some new designer pairs to style on both the beach and in the city. From Ray Ban, to Miu Miu, to ASOS – I've picked up both classic and trend led styles for my trip to India and I can't wait to team them all with my other new purchases. No matter what your budget, you can definitely find a style to suit you!
It's all about the versatility when it comes to bags for me. If I can use them for both day and night, as well as at the beach and in the city, then I'll happily spend that bit more on the item! Take this Cult Gaia bag. I wasn't convinced at first scroll that it would be a bag I'd get my cost per wear from, but fast forward and I love how this looks and how roomy it is! Yes, I'm a handbag girl and it's definitely one of my biggest fashion/investment expenses, but if it can't be used in more than one setting, it's likely I won't make the purchase. Similarly, if something is incredibly trend led and looking ahead might only be 'in fashion' for a season or two, then off to ASOS or Topshop I go, to see if I can find a great dupe!
Hats are definitely worn in phases for me and I often feel more self conscious styling a hat, than I do any other accessory I own. I always panic that it doesn't quite match my outfit or even that it's just too big and 'in your face' (please tell me I'm not the only person that worries about this?) but I do often find that when I style a hat, I get more compliments than ever because it's almost a rarity in my wardrobe! That is until I venture onto a beach and can't (and won't) pry my Eugenia Kim straw sunhat from my head. If there's anywhere that you can jump outside of your comfort zone with your style, it's definitely on holiday!
It's not often you'll see me in flat shoes, unless I'm off to the gym or on holiday that is. There's nothing special about how I'm able to spend so much time in heels/heeled boots, it's just a preference abut how I feel and hold myself in them. On vacation however, you'll find me either bare foot or wearing some cute espadrilles/sandals. Investing in some great, comfortable flats is a must, no matter what type of holiday you've chosen to treat yourself to, you just need to decide how much you'll be spending on them. For me if it's a beach holiday, then a pricier pair only worn in the evenings are my 'go to', but if it's a city break I'm on and I'll be walking miles upon miles each day, then a cheaper pair will see me through and I won't be as upset when they get a little dirty either.
What are your must haves for those Summer holidays? I'd love to know if you've invested in any pieces that you've really got your money's worth out of or if you've purchased anything new so far this year you can't wait to style this Summer? I'm always excited to discover new brands!


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'Wendy Williams: The Movie' Trailer: "I'm Gonna Come In Like A Hurricane"
3 December 2020, 10:00 pm ·2-min read
Trailblazer. Shock jock. Media mogul. Icon. Those descriptions of syndicated talk veteran Wendy Williams flash across the screen in the first trailer for Lifetime's Wendy Williams: The Movie.
Yes, the "Queen of Gossip" is getting the biopic treatment, and she played the footage on her talk show Thursday. Check it out below.
"Wendy Williams is not going anywhere," Ciera Payton (The Oval) as Williams says from behind a radio mic at the outset. "I'm gonna come in like a hurricane."
And storm in she does in Wendy Williams: The Movie, which chronicles the highs and lows she has has experienced throughout the years — from her scrappy upstart days in urban radio to the success of her own daytime talker.
"You're the star," we hear her ex-husband Kevin Hunter (Morocco Omari) say.
Williams herself is among the executive producers, meaning this is an "authorized biopic" — and it's not going to gloss over the subject's real-life foibles. "You're self-indulgent, you're narcissistic, you got a coke habit," she is told. We also see a re-enactment of her 2017 on-camera fainting spell while Williams was dressed as Lady Liberty for Halloween.
Wendy Williams: The Movie premieres at 8 p.m. Saturday, January 30, on Lifetime. It will be followed by a feature-length documentary on Williams, in which sheds her private persona and speaks directly to the camera about the joy and the humiliation she has experienced since childhood.
Directed by Darren Grant, the biopic is produced by Front Street for Lifetime and executive produced by Williams, Will Packer and Sheila Ducksworth. Leigh Davenport and Scarlett Lacey penned the script.
Here is Williams' tweet with the biopic trailer. If you want to bypass her intro, the movie footage starts at the 50-second mark:
Here's your first-look at "Wendy Williams: The Movie" premiering on Saturday, January 30 on @lifetimetv! pic.twitter.com/bvS4Apl1eK
— Wendy Williams (@WendyWilliams) December 3, 2020
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The typical Deloitte Senior Manager salary is $185,875. Senior Manager salaries at Deloitte can range from $79,227 - $258,008. This estimate is based upon 61 Deloitte Senior Manager salary report(s) provided by employees or estimated based upon statistical methods. When factoring in bonuses and additional compensation, a Senior Manager at Deloitte can expect to make an average total pay of $196,526 . See all Senior Manager salaries to learn how this stacks up in the market.


Second-half revival led by Arike Ogunbowale sparks turnaround.
Irish DE target Braiden McGregor updates his recruitment.
Notre Dame has added Honolulu (Hawaii) St. Louis defensive end Jordan Botelho to its 2020 recruiting class.
A look at what the commitment of linebacker Jordan Botelho means for Notre Dame.
Notre Dame's 2020 recruiting class is on a roll with the latest addition of four-star OLB/DE Jordan Botelho.
According to sources, sophomore cornerback is expected to transfer following the end of the semester.
An early post-spring breakdown from 12 to 1 in what might be the degree of difficulty.
The 6-5 five-star post fills a huge void in 2020 cycle.
Junior Jafar Armstrong in line to take significant role.
While in basketball purgatory, the late former head coach shepherded the program through its toughest decade ever.
Notre Dame had a good spring, but some questions still persist.


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Main > English
Murderous plans of the USA: from Raqqa massacre to Idlib cruel executions (PHOTOS)
Trump asks Assad not to destroy the terrorists in Idlib, whom the United States created, because the United States needs them to destroy Assad.
"Syrian President Bashar al-Assad should not recklessly attack the province of Idlib. Russians and Iranians would have made a serious humanitarian mistake by taking part in this potential human tragedy. Hundreds of thousands of people can be killed. Don't let that happen! " reads the tweet.
So it has come to the point when the US openly come out in defense of the terrorist groups in Idlib.
skrin_tvit_trampa.jpg
I will divide my comment on this tweet into two parts.
The first part of the commentary is about the USA itself.
The American president talks about human values ?!
Someone else, but America has never been stopped by civilian casualties,
When they were shaken with empty test tubes, as a result, millions of victims, and earlier chemistry was poisoned by the Vietnamese, and even earlier by Hiroshima and Nagasaki. If only once would confess!
Or maybe Yugoslavia and Afghanistan? Although, yes, I remembered! At one time, there was a very similar concern among Americans about a possible humanitarian catastrophe among rebels in Libya. The result is known.
Even if we look at the very, very close history - for Rakka and Mosul who will be responsible?
Mosul, US coalition airstrike
Mosul and Rakka are US war crimes - let Donald go there and see where their "humanism" is.
Speaking of Raqqa, the Americans bombed it like Dresden in 1945. It is clear that this was the nest of the "igilov" group.
- do not allow humanitarian convoys into the city!
- to refuse humanitarian corridors to the population and to refuse in pauses in military operations at least for hours for the exit of civilians from the combat zone!
- do not clean the streets from dead bodies!
- do not try to restore and adjust the water supply!
In short, bombing and forgetting is the true face of Anglo-Saxon humanitarian value.
Raqqa
It would have been better for America to use all its authority and influence to induce the armed forces of Idlib to voluntary disarmament and to stop the useless and senseless resistance to Assad.
But no! America once again, and as usual, wants to create a process of the country's antipode, so that this pseudo-country called Idlib constantly terrorizes Syria, while feeding Idlib constantly with money and weapons - this is what they did with India, creating Pakistan.
The second part of my commentary is about the Syrian army and Russian AF
Assad, unlike the Americans (the example does not have to go far - Raqqa), never suits the carpet bombing and certainly will not destroy the hospitals and weddings with high precision. And the Russian Aerospace Forces acts, to put it mildly, differently than the Americans, both in terms of costs and results.
Even during the period of the hardest fighting in Aleppo, the VKS and Syrian aviation did not attack the city itself and targets within a radius of 10 km from it.
The Syrian government forces, together with the Russians, organized numerous humanitarian pauses that lasted several days. During these periods, the citizens of the city went out of the combat zone along numerous humanitarian corridors, where they were immediately met and sent to temporary camps, providing them with basic necessities.
This time there is no doubt that the Syrian army (again, unlike the Americans) will approach with full responsibility to avoid unnecessary destruction and accidental casualties.
Donald understands this whithout any doubt. But the goal of his tweet is to somehow stop the attack on the lair of terrorists in Idlib.
Andrey Chervonets
Once again we recall that for the forces trying to protect Trump in Syrian Idlib. On Monday, September 3, idlib Islamists officially announced that they were going to arrange mass executions of civilians who called for reconciliation with official Damascus.
Prior to this, eyewitnesses photographed a scaffold on one of the main squares of Idlib, and then the group "Hayat Tahrir ash-Sham" (formerly "Jabhat an-Nusra"*, the Syrian branch of "Al-Qaeda"*) released a statement explaining are preparing to execute all supporters of reconciliation with the government of Syria.
According to the Russian Center for reconciliation of the warring parties in the UAR, more than 500 kidnapped civilians accused of treason and striving for reconciliation with Damascus are now imprisoned in jihadist prisons. The Islamists themselves, who carried out arrests of people in Idlib, Aleppo and Hama provinces, confirm the hundreds of abductees themselves.
The ringleaders of the gangs intend to hold public mass executions of Syrians as an act of intimidating people on the eve of the attack of the SAR Armed Forces on the "Idlib" de-escalation zone.
It should be emphasized that thousands of militants who recently made a deal with Moscow and Damascus in Eastern Guta, Deraa, Homs, Suweida and Quneitra, and then were deported to Idlib on green buses, are not touched by terrorists, preferring to recoup civilians.
The photo below shpws a scaffold on Idlib Square for executions of civilians and the recent shooting of other militants by HTS fighters.
* terror organization banned in Russian Federation.
The photo below shows debris of Raqqa
Farce in American
Russian Reconciliation Center and Military Police in the Syrian province of Daraa (PHOTOS)
Damascus outskirts in ruins: «How many did the USA pay the terrorist?»
The militants are preparing another provocation with the use of drones
US releases ISIS terrorists from kurdish prisons to attack the Syrian Army
Idlib Terrorists To Stage Another Chemical Attack
Russian Military Police in Syria
Russian army helps Syrians (PHOTOS)
New hospital in Katana (PHOTOS)
War in Syria: New thuggish islamist group from Central Asia (PHOTOS)


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Dollar Comics!
By Ian Gonzales • September 16th, 2010
By IAN GONZALES
I used to love rummaging through comic book store quarter bins as a kid. Those musty old boxes were the hook and I was the slimy catfish in the Passaic River. I remember finding such glorious crap as Marvel Two-In-One, Conan, Brave and the Bold and Star Wars comics in those musty boxes. I stretched my allowance to the limits in the bins and I got many great comics (even though I occasionally came across a stray issue of Atari Force). Frequenting the excess stock of the quarter bins led me to eventually buy stuff off the store's wall and finally culminated in starting a pull list. I wound up with a $40 a week comic habit right after college!
Originally, comic books were reprints of daily newspaper comic strips. At the time, the comic book publishers had to pay royalties to the newspaper syndicates for the comics they reprinted, so the publishers took a risk to up their profit margins and began printing all new, original material. Their gambit worked and the industry evolved. A few years later, comic book publisher National Publications decided to go after the rival pulp market with the creation of Superman. The rest, as they say, is history.
In 2009, DC Comics instituted the After Watchmen – What's Next? program, capitalizing on the excitement surrounding the 2009 Watchmen film. The program reprinted the first chapters of five DC Comics graphic novels that the company felt would interest the film's audience, some of which were Saga of the Swamp Thing # 21, Planetary # 1 and Identity Crisis # 1. Each comic cost a dollar and featured house ads for the accompanying trade paperback collections. It was a smart and successful marketing move. DC continued the program, reprinting comics like All Star Superman # 1, The Losers # 1 and a host of others.
Given the success of DC's program, other comic book publishers followed suit, reprinting the first issues of their hit comics. Marvel Comics started the Marvels Greatest Comics program, reprinting the first chapters of Wolverine: Old Man Logan, Captain America: Winter Soldier and Grant Morrison's New X-Men. Dark Horse meanwhile instituted the 1 for $1 program, reprinting books like Hellboy: Seed of Destruction # 1, The Goon # 1 and Conan # 1 as well as older books like Russ Manning's 1963 classic Magnus Robot Fighter 4000 AD #1.
Today, just like Batman's batarang, the industry has come back to its beginnings. While comic book publishers release the bulk of their material in single-issue format first, they do reprint the stories in trade paperback collections. These trade paperbacks are available for sale not just in comic shops, but also in bookstores and online stores. The publishers are using these dollar comics to increase the profile of some of their best books.
These new dollar comics are far better quality than the comics I used to scrounge as a kid (none of this new batch featured Captain Kirk and Spock plagued by a planet of gnomes). In fact, they're some of the most lauded comic books in recent history at a bargain price.
They are the perfect place for new comic readers to sample the crème de la crème of modern comics.
Dark Horse, DC, Dollar Comics, Marvel, Watchmen
Last Week's Comics 10/24/2012 Last Week's Comics 6/4/2014 Last Week's Comics 6/18/2014 Last Week's Comics 10/8/2014
'Star Wars: The Solo Adventures' short film makes Han cool again!


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So you're from Stratford, CT?
Fortunately for you, Stratford, CT offers a number of great schools to choose from. It's just a matter of finding the right program and study subject for you!
Schools in Branford, CT
Schools in Bridgeport, CT
Schools in Danbury, CT
Schools in Fairfield, CT
Schools in Hamden, CT
Schools in Meriden, CT
Schools in Milford, CT
Schools in New Haven, CT
Schools in North Haven, CT
Schools in Norwalk, CT
Schools in Seymour, CT
Schools in Shelton, CT
Schools in Stamford, CT
Schools in Wallingford, CT
Schools in Waterbury, CT
Schools in West Haven, CT
Schools in Westport, CT
Schools in Stratford, CT
Stratford College and University Demographics
There are a total of 11 degree and certificate programs offered at Stratford's 2 colleges and universities. You can choose to study in fields ranging from medical insurance specialist/medical biller to medical/clinical assistant to mechanical drafting and mechanical drafting cad/cadd.
Amongst students at Porter and Chester Institute, the most popular area of study is Allied Health.
On average, colleges and universities in Stratford schools charge students $23,291 per year in tuition fees. Porter and Chester Institute charges students $23,291 per year in tuition, which is the highest tuition rate in Stratford. Porter and Chester Institute has the lowest tuition rate at $23,291 per year.
Stratford college students received $0 in grants, loans, and scholarships in 2008. Institutional grants and scholarships accounted for $0 of the total. The highest amount of institutional grants and scholarships given to students by a local college was $0, which was given by Porter and Chester Institute.
Stratford Student Demographics
In 2010, 2,845 students were enrolled in Stratford schools, which was 1% of the total college students in Connecticut. Porter and Chester Institute, with 2,845 students, had the highest number of students in Stratford, while Porter and Chester Institute, with only 2,845 students, had the lowest number.
Approximately 73% of students who enroll as first year students at Stratford schools return to complete their second year. Approximately 76% of students eventually graduate. Graduation rates, however, can vary from college to college. Porter and Chester Institute has a graduation rate of 76%, while Porter and Chester Institute has a graduation rate of 76%.
The ratio of female to male students enrolled in Stratford schools is 30 to 70. The ratio of Stratford students who are 24 years old or younger to those who are over 24 years old is 0 to 100. In 2009, 91% of Stratford college students identified themselves as belonging to a racial or ethnic minority. Porter and Chester Institute had the highest percentage of diverse students in Stratford, with 91% of students identifying themselves as being from a minority background.
Stratford Faculty Demographics
Stratford schools had 118 faculty members in 2010. Of these faculty members, 47% were female. 4% identified themselves as belonging to a racial or ethnic minority.
The average faculty to student ratio for Stratford schools was 1 to 35 in 2009. Paul Mitchell the School-Connecticut had faculty to student ratio of 1 to 1, which was the highest for all schools in Stratford.
We've ranked the top 50 jobs in Stratford, CT to help you find the right study subject
General and Operations Managers 10,390 $157,820 $113,100 61.3%
Secretaries and Administrative Assistants, Except Legal, Medical, and Executive 7,960 $40,380 $32,000 35.4%
Registered Nurses 7,500 $73,210 $67,720 -8.4%
Office Clerks, General 6,960 $33,510 $28,240 -25.5%
First-Line Supervisors of Office and Administrative Support Workers 6,380 $57,760 $50,770 33.2%
Accountants and Auditors 5,500 $79,220 $68,960 -20.6%
Securities, Commodities, and Financial Services Sales Agents 5,500 $168,100 $95,130 28.2%
Bookkeeping, Accounting, and Auditing Clerks 5,420 $44,560 $35,340 -33.7%
Nursing Aides, Orderlies, and Attendants 5,400 $30,990 $25,140 -15.1%
Elementary School Teachers, Except Special Education 4,800 $69,300 $54,330 -22.1%
Executive Secretaries and Executive Administrative Assistants 4,800 $57,810 $45,860 -29.1%
Financial Managers 4,560 $128,760 $116,970 48.5%
First-Line Supervisors of Retail Sales Workers 4,200 $48,930 $39,890 26.5%
Security Guards 3,510 $32,980 $26,870 -6.4%
Financial Analysts 3,000 $118,580 $86,040 0.0%
Middle School Teachers, Except Special and Career/Technical Education 2,880 $71,320 $54,880 -3.4%
Sales Managers 2,630 $122,680 $114,110 66.5%
Management Analysts 2,380 $104,290 $87,260 -11.5%
Automotive Service Technicians and Mechanics 2,330 $47,930 $38,200 5.9%
Preschool Teachers, Except Special Education 2,280 $30,780 $29,200 31.0%
Home Health Aides 2,230 $28,460 $21,760 0.9%
Marketing Managers 2,100 $130,980 $122,720 62.8%
Personal Financial Advisors 2,100 $131,360 $91,220 147.1%
Social and Human Service Assistants 1,990 $41,420 $30,100 1.5%
Licensed Practical and Licensed Vocational Nurses 1,910 $55,160 $41,360 9.8%
Police and Sheriff's Patrol Officers 1,880 $62,410 $55,620 3.9%
Software Developers, Applications 1,660 $96,860 $90,410
Fitness Trainers and Aerobics Instructors 1,650 $47,940 $35,920 23.1%
Construction Laborers 1,350 $45,310 $33,590 -34.5%
Administrative Services Managers 1,220 $92,460 $84,390 13.0%
Paralegals and Legal Assistants 1,200 $52,410 $49,640 17.6%
Coaches and Scouts 1,170 $39,340 $35,950 108.9%
Carpenters 1,140 $51,020 $43,890 -46.7%
Managers, All Other 1,120 $116,120 $102,160 8.7%
Purchasing Agents, Except Wholesale, Retail, and Farm Products 1,070 $67,920 $60,160 25.9%
Plumbers, Pipefitters, and Steamfitters 980 $54,030 $50,360 10.1%
Electricians 960 $54,520 $51,810 -25.6%
Chief Executives 920 $228,890 $173,350 33.3%
Child, Family, and School Social Workers 920 $60,570 $43,850 10.8%
First-Line Supervisors of Construction Trades and Extraction Workers 890 $69,400 $62,260 21.9%
Cooks, Fast Food 850 $21,240 $18,540 -28.6%


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Desert Shadows Elementary - Main Navigation
5902 E. Sweetwater Road
Principal: Chad Caudle
Desert Shadows Elementary - Join Us
Tax Credit Donations and Other Ways to Support Desert Shadows Elementary
Making a contribution to receive an Arizona public education tax credit is simple. You can get a tax credit for up to $200 for an individual or $400 per married couple. Donations must be received by December 31st to receive the tax credit for the current year.
Beginning in 2016, credit eligible fees paid and contributions made to a public school from January 1 through April 15 of the calendar year may be used as a tax credit on the prior year's tax return. For example, qualifying contributions made to a public school January 1, 2016 to April 15, 2016 may be used as a tax credit on either your 2015 or 2016 Arizona income tax return. (Pub 707 AZDOR). For additional information, call (602) 449-2049.
Arizona tax law allows taxpayers a credit for contributions made or fees paid to a public school for support of extracurricular activities or character education(as defined in ARS 15-719. If married taxpayers file separate returns, each spouse may claim one-half of the credit that would have been allowed on a joint return. Extracurricular activities such as sports, band, speech and debate or overnight field trips are generally not fully funded by school districts, so your donation directly supports students.
Simply link your Fry's V.I.P. card to Desert Shadows Elementary School to begin earning for our school. Every time you shop using your Fry's V.I.P. card we will earn rewards. To register your V.I.P. card, go to www.frysfood.com and search "Community Rewards Program". Our organization number is 80503.
Restaurant Nights
Local businesses happily support Desert Shadows Elementary, too. Several times a year, we host restaurant nights. When your family brings their school flyer advertising the restaurant night and dine, the restaurant donates a percentage of your bill to our school, usually 15-20%
Friday Sales
On Fridays after school, look for treats like Jamba Juice or Sardella's Pizza for sale on the Desert Shadows Elementary front lawn. Our school receives a percentage back on these purchases, usually 15%. A treat for you is also a treat for us!
PTA Fundraisers
Our Parent Teacher Association (PTA) sponsors fundraisers annually that benefit our students, teachers and staff. These fundraisers may change from year-to-year, but look for fundraisers that provide a means for an open donation or fundraisers like Square 1 Art, where you can purchase products with your own child's artwork while benefiting our school at the same time.
There are numerous opportunities for families and community members to support Desert Shadows Elementary School. Look for excellent programs like Box Tops that are great ways to earn money for our school without spending any extra of your own money. Listed are highlights on a number of ongoing opportunities; please contact the school office or any PTA representative for further information.