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The Causes Of International Trade Deficit Of Ghana
5012 words (20 pages) Essay in Economics
27/04/17 Economics Reference this
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Chapter 1 Introduction
This research paper has discussed the principal causes of trade deficit trade deficit of Ghana. Efforts have been made to sort out the external as well as internal sources of trade deficit. Based on exploratory data analysis and using the data during 2000-2010, this paper has found that both external shocks and internal factors are responsible for the ongoing trade deficit. Specifically, demand and price shocks in the big economies of the world have shown inevitable impacts on Ghana's trade balance. Among others, internal bottlenecks such as lack of competitiveness, geopolitical aspects, economic policies, bilateral agreement with trading partner are also found responsible in determining the direction of trade balance. Contrary to some conventional
theories and experiences, this paper does not find strong and convincing relationships of budget deficit, excess money supply, real exchange rate, and economic growth with trade deficit in the context of Ghana.
Relevance to International Trade
International trade is not only the barter of goods and services across borders but also an efficient channel of exchanging labor, capital, technologies, opportunities and cultures. In many economies, trade has worked as an engine of growth.. And, trade has prospects and problems. Diagnosis of problems leads towards various alternatives to cure them. Indeed, development does start from identification of needs or problems at first. On this ground, this paper proves its relevance to International Trade.
Export, Import, Trade Balance, Trade Deficit, Trade, Ghana, GDP
The Background
Policy Relevance and Justification
International trade helps consumption of those goods and services which are either unprofitable to produce domestically or not feasible due to various reasons. Likewise, the need of capital, capital goods and technology are also met by means of trade. A favorable balance of trade is expected to generate foreign currencies necessary for the imports of capital as well as consumption goods and services. Moreover, it is one of the means of bridging the saving gaps in an economy. The balance of trade, being a key component of the current account, can have far-reaching impact on economic growth, development and balance of payments. The government of Ghana has realized the export sector as an engine of growth when this sector was blooming in 1990s. 'Ghana's exports have played a positive role since the 1986-90 periods. During this period, their contribution to economic growth increased to 10 percent, from 2 percent for the previous period (1990-2000s). Exports were an engine of economic growth during the 1990s, particularly during the period after economic reforms, Ghana clearly recognizes that the unfavourable balance of payments led by a TD of the country is responsible for negative effects on the economy and a slower industrialisation. Ghana's foreign trade has tremendously been suffering from successive deficit which can have negative effect on foreign currency reserve of the country and thereby invite macro economic instability.' Identification of the causes of TD is crucial in the sense that a country can hardly incur TD of significant size forever. This identification, in fact, is the diagnosis of the problem which can suggest necessary policy prescriptions to be pursued. Given the higher contribution (almost 50%) of trade to GDP, the ongoing trend of TD would no longer be ignored for growth and development of the country. More importantly, sources of financing a deficit are very important and the issue of sustainability of TD hinges on the sources of financing. Despite various sources to finance a TD, an underdeveloped economy like Ghana naturally faces number of limitations to tackle the deficit. These limitations are the agriculture and service-dominant structure of the economy, amount of foreign exchange reserve, capacity to increase gross domestic savings, capital flow and its structure, debt servicing capacity,
volatility of international labour market and hence the flow of remittances and
so on. In its study report, UNCTAD4 (1999: 84) has shown that '… with some
notable exceptions, the relationship between trade balances and economic
growth in developing countries has taken an unfavourable turn during the past
decade'. Hence, TD is a problem to accelerate economic growth. A TD of
'Ghana' size' (13.9% of GDP in 2004) requires an intensive investigation of
principal causes as the first step to address the problem.
Research Objectives and Questions
The main objective of this research paper is to identify the causes of
trade deficit in the country. The research paper hence aimed at answering the
following research question –
What are the principal causes of trade deficit of Ghana?
Research Hypothesis
The following two hypotheses have been made in this research:
a) External shocks (demand and price) are the main causes of Nepal's TD.
b) Internal bottlenecks (trade and economic structure, competitiveness,
geography, conflict) and policy environment (trade, fiscal and monetary)
factors are secondary causes.
These hypotheses have been tested on the basis of theoretical and
empirical foundation but no statistical tests are pursued due to the limitations
mentioned hereafter.
Data and Methodology
All the data are from secondary sources in this paper. In most of the analytical part, the study period is 2000-20011. The major sources of data are the World Bank, Bank of Ghana (BOG), International Monetary Fund (IMF), Ministry of Finance (Ghana), Central Bureau of Statistics and Integrated Framework Working Group (IFWG). Regarding the methodology, this study relies on exploratory data analysis. Relevant cross-country comparisons have been done among America, EU, Asia and neighbouring countries as well as major trading partners.
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Scope and Limitations
This study captures only the principal causes of Ghana TD. There can be a number of micro and macro factors which have in one way or another causal relationship with the TD. Given the constraint of time, academic purpose of the study and other resources, those subsidiary issues have not been considered in the analysis. All the inconsistencies and insufficiencies seen in the data gathered from various sources can have bias in inferences. Data from Ghana sources are based on fiscal year whereas the data from World Bank and other international organizations are produced in calendar year. Thus, it might have erroneous interpretation. The analysis mostly depends on exploratory data analysis which has its own limitations compared to other sophisticated data analysis methods, especially in the attribution of causal relationship between dependent and explanatory variables. Since time-series data analysis requires relatively a longer data series of all dependent and independent variables, I have not chosen the method due to the deficiency of data corresponding to some key variables. Most of the data series are available from 1976 till 2004. Hence, I have chosen the time frame. To the extent, cross-country comparison has been made to validate some indicators or findings; they should be carefully understood since these countries possess varied economic, political, and geographic characteristics.
Lastly, TD has multiple implications on the various macroeconomic concerns. The question of significance of TD on economic growth, employment, and its sustainability issue is definitely important. However, I have not discussed these issues given the limitation of data, lack of time, appropriate methodology and intensity of the question at large. Similarly, despite the presence of high TD with China in formal and informal trade, where a single research can be made, I have pursued my analysis in an aggregate package with other countries. Nevertheless, to the extent that data was available and a special justification needed, I have incorporated them.
Organization of the Study
This paper has been organized into five chapters. The second chapter is devoted to review of literature and theoretical framework. Thus it comprises relevant literature, theories and empirical findings; and related Ghana's studies in international trade. The third chapter discusses the structure and direction of Ghana's foreign trade over the decades. It describes the general story of TD in Ghana. In addition, a brief summary Ghana's' trade policies are given. Chapter four, the main part of analysis deals with the causes of TD. The last chapter summarizes the conclusions drawn from the analysis and presents some policy recommendations.
Chapter 2 Review of Literature and Theoretical Framework
This chapter has first overviewed the main debates made by different scholars regarding the causes and implications of TD in general. It goes further by summarizing empirical studies about the causes of TD in different countries. Finally, based on the empirical studies, the theoretical (also analytical) framework has been designed.
2.1 Literature Review
2.2 Empirical Studies on Causes of Trade Deficit
Saruni (2007) has revealed three main factors contributing to Tanzania's persistent TD. The author has used government expenditure, household consumption, real exchange rate (RER), FDI,income from the rest of the world and trade liberalisation in his log-log ordinary-least-square (OLS) regression model for the data during 1970-2002. The paper finds that the government expenditure, FDI and income from abroad played a positive role in the determination of trade balance (TB) despite the negligible coefficient of the FDI. On the other hand, household consumption, RER and trade liberalisation deteriorated the TB. Some of the findings in Saruni's paper are in line with theories and some are not but his OLS approach for time series analysis suffers some methodological limitations. The UNCTAD (1999: 95-7) presents an econometric analysis of TB using the panel data of 16 countries over 26 years. Here, TB to GDP ratio is dependent variable whereas growth, purchasing power of exports, growth rate in industrial countries and economic liberalisation are explanatory variables. It is found that the acceleration of growth rates in developing countries increased the TD while liberalization worsened it significantly. Likewise, better terms of trade and rapid economic growth in industrial countries helped lessen the TD in developing countries. A wider concept of TB is represented by the CA and the determinants of which are often very same as the determinants of TD. Purohit (2007: 54) found that the determinants of India's CA deficit are not the widely believed changes in stock of money or fiscal balance. The author highlights the lack of competitiveness (in the manufacturing sector), supply-side constraints of domestic economy and inflation through international price shocks (in oil and food) as some major determinants of TD, and CA deficit in turn. The analysis is based on time series data from 1970-2005 in the regression analysis and the
variables are CA to GDP ratio, excess money supply (MS), gross fiscal deposit, real effective exchange rate (REER), and Capital-Output ratio. However, the author has largely pursued exploratory data analysis. Onafowora (2006) examined the causal relationship between budget deficit (BD) and TD in case of Nigeria using a regression model with the data from 1970-2001. The study variables are TD, BD, MS, domestic income,
discount rate, and RER. The author has found a positive long-run relationship
between BD and TD. But contrary to the conventional theory, the paper
highlights that the causality runs from TD to BD since Nigeria is highly
dependent on the export of petroleum products. In addition, the paper has
observed a positive correlation of TD with MS and depreciation of domestic
currency. Meanwhile, increased domestic income and rising interest rates had
worsened the TD (in Nigeria) in the long-run. It is due to the fact that the
former raises the demand for foreign goods and services while the later
encourages capital inflow that necessitates appreciation of home currency; and
again more imports from abroad.
Anoruo and Ramchander (1998) investigated relationship between 'twin
deficits' in five developing countries using time series data (1957-93). The
authors have included both the developed (for example, the US) and
developing countries in their study. The analysis is based on vector
autoregressive model and the direction of causality between the two deficits
has been tested by the Granger causality test. The study revealed that the TD
causes BD and not the vice versa. That is, a worsening of TD forces the
government to spend more to help minimize the domestic hardships.
However, in case of Malaysia, the authors noticed a weak bidirectional
relationship too. In the model, short-term government interest rates, the tradeweighted
ER of the local currency, GDP, and inflation rate have served as
explanatory variables. Contrary to the documented cases in the US and other
developed countries, the authors have found a unidirectional causality from
current (trade) accounts to BD. Furthermore, the causality between increase in
GDP and TD was significant only in the case of India and Malaysia.
Calderón et al. (2000) in their research for the World Bank found that
'current account deficits in developing countries are moderately persistent'; an
increase in domestic output gives rise to a higher CA deficit; terms of trade loss
or appreciation of RER; and an increase in international interest rates or higher
growth rate in industrial economies lessen the CA deficit in developing
countries. The research is based on cross-country panel data of 44 developing
countries covering the period from 1966-95. The variables under study for
pooled time-series are private and public saving rates, international real interest
rate, the extent of BoP control, RER, the share of exports in gross national
disposable income, national income (domestic and international), and the
terms of trade.
2.3 Existing Research
To the best of my knowledge no previous study has been done which was investigating the causes of TD of Ghana. However, there are some writers and organizations who have expressed their concern on weak export performance and TD. In almost all cases, the authors have raised their arguments on the problems like inadequate diversification (ADB5, 2004; SAWTEE6 2006), lack
of competitiveness (Bhatt 2005, IFWG7 2003: 9, MoF8, 2004/05, Poudyal
2007, Shaakha 2008, Sharma 2004), overvalued ER due to the fixation of
Nepalese Rupee (NRe) with Indian Rupee (Panta 2007), and worsening terms
of trade (Singh 2008), external shocks (Koirala et al. 2005). Similarly, structural
bottlenecks and landlockedness (Devkota n.d., Shaakha 2008), absence of
investment-friendly policy environment (MoF 2004/05) [pace of] trade
liberalisation (Bhatt and Sharma 2006 ), changes in international demand or the
'demand shocks' (Shaakh 2008), insurgency and strikes in the country (Koirala
et al. 2005), and to some extent bilateral trade treaty with India (Koirala et al.
2005, MoF 2003/04) are also considered responsible for the TD. Most of these
arguments are made in institutional publications, newspapers, and public
forums. Some of them are briefly discussed here.
The ADB (2008) and IFWG (2003) see the reduced competitiveness in
readymade garments (RMG), pashmina and woollen carpets as responsible for
declining exports to overseas9 countries thus leading to TD. On the other
hand, in its report, SAWTEE (2006: 7-9) emphasizes that Nepal's export
diversification policy is hardly effective and the trade with India constitutes a
big share of deficit. The report claims that the growth in imports has
outweighed the export growth which has propelled the deficit further. Prasad
(2007: 22) sees both the role of weak export capacity and imports of luxury
goods in the TD of Nepal among others. The author claims that the
composition of export basket of Nepal is not diversified compared to its
widely varied imports.
According to Sharma (2004), 'India's abnormal profit motive reflected in
trade negotiations and tariff and non-tariff barriers imposed infrequently upon
Nepal is also causing heavy trade deficit and hence, damage to the Nepalese
economy.' Similar arguments are put by Koirala et al. (2005), Prasad (2007) and
ADB (2004) that underline the restrictive Nepal-India Trade Treaty for
damaging exports of Nepal after 2002 which is responsible for a two-digit TD.
There are opposing views about the ER regime and the TD of Nepal. One
view emphasizes that the fixed ER with the Indian currency is detrimental to
the Nepalese trade whereas another view perceives it beneficial in general (The
Kathmandu Post, 2 June 2003). Devkota (n.d.), using a regression equation,
investigated the causality between RER and TB of the country. The author
found that ER devaluation is not helpful to achieve improvement in TD; and
devaluation alone hardly helps minimize the TD if it is not supported by other
economic tools.
Regarding the causal relationship between budget deficit and CA deficit,
Acharya (1999: 56-9) found that Nepalese '…budget deficit is significantly
explaining the current account deficit'. And, the author sees consistency in the
neo-classical doctrine – a higher level of fiscal deficit leads to higher level of
CA deficit. Regarding the impact of trade liberalisation in Nepal, Acharya and
Cohen (2008) have demonstrated that both the budget and trade deficits do
widen under the one-time liberalisation of ER and trade due to the
appreciation of domestic currency. The authors have estimated the TD 0.53%
and 1.43% more than the baseline value under trade liberalisation, and trade
and ER liberalisation respectively.
2.4 Theories on Causes of Trade Deficit
From the review of literatures it is obvious that there are a number of causes of TD in different countries. Among them, fiscal and monetary policies, external shocks (particularly, demand and price), trade liberalisation, economic growth and lack of competitiveness are major ones. In this sub-section, efforts have been made to outline the theoretical framework on the basis of these determinants. It has also been considered as the analytical framework for this research. They are discussed one by one.
2.4.1 External Shocks and Trade Deficit
In an open economy, either the demand shocks or the price shocks transmitted
from global economy can produce unfavorable circumstances in a country's
TB and macroeconomic stability. Some other external shocks can emerge from global interest rate and shifts in fiscal and monetary policies of big economies (Jansen 2008). The transmission of shocks is observed in the asset prices, domestic interest rates, appreciation/depreciation of ER, imbalances in trade and current account and real economic activities. Nevertheless, the impact of shocks depends on a country's degree of trade openness, capital inflows, and size of the economy. Besides, the ARIC (n.d.) states that a supply-side shock that has risen from a sharp rise in imported input (for example, energy), for which demand and supply are relatively inelastic is more likely to raise the output price, slower growth but higher inflation. The rise in output prices will end up in a loss of competitiveness thereby causing smaller exports and TD. The price shocks directly hits the terms of trade, for example, Schwartz (1989: ch. 4) states that in the U.S. the terms of trade and the TD moved together after the World War II where changes in the domestic demand for imports and residual supply of exports were two driving forces behind the TD. Conversely, the demand side shocks appear from the sudden and sharp decrease in the demand for imports by major economies. The demand shocks, according to Solanes et al. (2007), transmit their effects through two channels – the RER and domestic product and these effects are stronger. Desamanya (2006) contends that except internal imbalances, a sudden increase in oil price will worsen the TD, create disturbances in overall BoP, losses in country's foreign exchange reserves and pressure on the ER. Similar arguments are given by Vatansever and Kutlay(2008), Manrique (2004) and ADB (2005) in the context of other countries.
2.4.2 Fiscal Deficit and Trade Deficit
As mentioned in the earlier section, there are two lines of thinking and conclusions that the causality runs from BD to TD or vice versa. Whether we see at broader perspective of CA deficit or a component of that – the TD, the causality is not the same. In macroeconomic accounting, national savings are disaggregated into private and public savings. And, obviously, fiscal/budget deficit indicates government dissaving. The relation between them can be shown as below (Mueller 2006):
i) X-M = (Sp-Ip) + (T-G)
ii) NX = S – I
Where X, M, Sp, Ip, T, G, S, I and NX stand for export, import, private saving, private investment, tax revenue, government expenditure, national saving, national investment and trade balance respectively.
In equation (ii) a negative national saving due to higher public dissaving or budget deficit (higher the private investment and bigger the G-T) will lead to a negative TB. Symbolically,
iii) -NX = S < I
The alternative argument is that the TD is not because of a dissaving but by higher private investment which leads to a higher output, and hence not "bad". In this connection, equation (iii) can be interpreted in terms of CA deficit and total of financial and capital account of the BoP as below:
iv) BoP = NX + CF = 0
v) – NX = CF
Where, CF is total of capital and financial account which compensates the current account and/or trade deficit. Here too, two kinds of arguments are found. For some, a negative CA is financed by a positive CF, hence the inflow of capital is the "cause" for the negative TB. For others, TD is due to low public and private saving and public debt. Citing Truman, Purohit (2007: 17) contends that CA deficit and fiscal deficits are not the twins on analytical and behavioural ground even though they are the two main components (savingand investment) of national income. When gross domestic saving is smaller than the investment to be made then – induced by a high interest rate – inflow of foreign capital is possible which again leads to a similar-sized net inflow of foreign goods and services – overshooting the exports (Elwell 2008). The author argues that the larger the saving-investment gap, the larger is the inflow of foreign capital thereby producing a still larger TD. According to Labonte and Makinen, national saving and investment are the crux of TD in a country. The greater the imbalance between investment and saving the higher the TD, which will further be propelled by budget deficits. Moreover, given a private investment boom and decline in private and household saving, TD is magnified (Labonte and Makinen 2005). One of the underlying contentions in explaining the causality from BD to TD is that if fiscal deficit is financed by printing new money; it will create expansionary effect in the economy and the demand for more capital and consumption goods will rise thereby promoting a higher import. In contrast, BD necessitates a higher interest rate which encourages capital inflow, appreciation of domestic currency, loss in export competitiveness and eventually a TD. Nevertheless, empirical studies have shown mixed results, that is, countries have different experiences (Purohit 2007: 17-8).
2.4.3 Monetary Policy and Trade Deficit
Excess money supply (MS) and ER regime are other two variables which have relationship with TD. They are briefly discussed here in the light of two major alternative approaches that explain the TD, namely, elasticity approach and the monetary approach. According to Ardalan (2003), the elasticity approach underlines the role of ER on TD and BoP adjustments, which treats exports and imports as dependent on relative prices. Besides, the monetary approach discusses the mechanism on the basis of demand for and supply of money in an economy. The elasticity approach suggests that the TB is determined by the over or undervaluation of a currency. Under Keynesian system, the author argues that devaluation leads to changes in the prices of domestic goods against the foreign goods implying a change in terms of trade that brings changes in the TB. Alternatively, an overvaluation of domestic currency deteriorates the export competitiveness and induces more imports from abroad giving way to TD (ibid). Given the domestic and foreign prices, an increase (decrease) in RER indicates the depreciation (appreciation) of domestic currency which is expected to improve (worsen) the TD. However, empirical studies have suggested that over or undervaluation of a currency does not necessarily produce expected outcome since export and import of a country do depend on price elasticity's of traded goods.
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The monetary approach is founded on the famous Quantity Theory of Money postulated by Friedman10 which suggests that disequilibrium in the current account and/or BoP is essentially, though not exclusively, a monetary phenomenon (Ardalan 2003). Under monetary approach, the demand for money11 is considered as stable and any increase in MS by the authority will overshoot the real demand for money. The excess money in the system will be diverted into goods and bonds (foreign and domestic) and hence the process of equilibrium in money market will drive to current account and/or trade deficit (Hallwood and MacDonald 1986 as cited in Purohit 2007: 12). Here, the inherent supposition is that an excess MS will give rise to inflationary pressure that makes a country's exports relatively dearer than that of trading partners.
This will result in loss of competitiveness and a current account or trade deficit (Purohit 2007:13). The critics of the monetary approach emphasize that monetarists' assumption of constant velocity of money alongside fixed real output (due to full employment hypothesis); inclusion of non-interest bearing M1 (or narrow money) in the definition of money stock;12 and the presumed link between changes in money balances and capital flow are neither convincing nor clear (Ardalan 2003, Nicholas 2008b, Purohit 2007). Even the argued automatic adjustment in trade and current account by the ER under the floating ER regimes is questionable (Nicholas 2008a).
2.4.4 Trade Liberalization and Trade Deficit
It is argued by neoclassical line of thinking that liberalisation of economy is very likely to gain benefits from the free trade that brings competition, comparative advantage, efficient allocation of resources, higher FDI flow and externalities (Chang and Grabel 2004: ch.7). In its report, UNCTAD (1999: 87- 90) presents an explanation that how a 'big bang' type liberalisation process of developing countries lead to TD. In the absence of a selective and appropriately sequenced liberalisation coupled with effective measures to promote competitiveness and exports, the report states, liberalisation of imports can cause a TD. In the report, instances of Argentina, Colombia, Mexico, Philippines, Thailand and Turkey have been given where a rapid liberalisation was followed by large inflows of capital, currency appreciations and a mounting TD ending into a crisis (ibid. p.90). Similarly Moon, (2001: 23), Chang and Grabel (op.cit. ch.7) have also supported that the trade liberalisation policy is one of the reasons of TD. Dollar and Kray (as cited in Moon 2001) have shown that the TD in open economies is larger than in closed economies by 2.09% of GDP. In their study, Parikh and Stirbu (2004:18) observed a worsening TD after liberalisation in many developing countries of Asia, Africa and Latin America.
2.4.5 Economic Growth and Trade Deficit
High economic growth (EG) in the home country (trading partner) worsens (improves) the TD due to higher demand for capital plus consumer goods and services from abroad (home country) while a weak EG in trading partners dampen the demand for domestic exports and leads to TD (Elwell 2008, UNCTAD 1999). The main explanation here is that growth needs additional investment, which necessitates inflow of capital in a country and makes the saving-investment (S-I) gap or the TD bigger. But Gould and Ruffin (1996) do not see any relationship between EG and TD in the long-run. On the otherhand, UNCTAD (1999: 79-80) and Moon (2001) found that TD hampers the subsequent growth due to the 'bleeding' of investible surpluses from the economy and other macroeconomic disturbances. Hence, the causality between these two variables is not the same for all countries. It depends on country-specific characteristics like level of development, size and structure of the economy, integration with the global economy and other macroeconomic variables.
2.4.6 Lack of Competitiveness and Trade Deficit
Competitiveness is a broad concept which has different interpretations and methods of measurement. According to Ezeala-Harrison (1999: 53), '… a country is competitive if its industries have an average level of total factor productivity (TFP) greater than or equal to that of its foreign competitors'. The author asserts that TFP measures the combined productivities of not only all factors of production but also socioeconomic institutions and infrastructures as well in an economy. This micro-level parameter based on productivity and cost helps assess the competitiveness of a country. A country is said to be competitive provided its firms and industries maintain average level of unit costs lower than its competitors (ibid). But, the study underlines that a country can be competitive with respect to technology and scale of production but not under the cost considerations. Moreover, the author rightly argues that competiveness in terms of cost is not a single indicator and hence productivity should also be accounted. The limitation of cost competitiveness is such that it suffers from any changes in international currency and instabilities, if any, in the global monetary system. Regarding the macro parameters of competitiveness, the degree of economic liberalisation and sound institutional
and infrastructural framework are important to exhibit a country's competitiveness that is considered constant in this regard (ibid. p.55). There are various indicators for measuring the competitiveness of countries. They are discussed in chapter 4. Purohit (2007: 54), Hossain (2004) and Mueller (2006) attribute lack of competitiveness in the manufacturing sector as one of the
important determinants of TD in India, Bangladesh and the US respectively.
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You don't need to schmooze or go to conferences to get published is a post I've been thinking about writing for a while. One thing I've seen for years is how so many writers think of publishing as this clear cut industry where the writer queries the agent, the agent gets the book deal, and everyone lives happily ever after. Another thing I've seen is this impression that there's this "in-crowd" where everyone in publishing knows each other and that's how people get published.
But that's not how is works in most cases. What prompted this post was a comment I saw on a publishing blog yesterday left by an unpublished writer who sounded more than disillusioned by traditional publishing and the query system.
I actually happen to believe that queries are important. Writers should learn how to write a decent query letter and know how to approach their careers in publishing as professionals. And once those skills are learned they can be applied to all aspects of publishing, especially when it comes to writing a good blurb for a book or story. I've always thought of writing query letters as an exercise in word economy as it relates to book descriptions. Because the most important part of the query is talking about the book.
I also happen to think good literary agents are important. But these days querying agents isn't the only thing writers need to do. It's no wonder that person who commented sounded frustrated if all she's doing is querying agents and reading blog posts and articles about traditional publishing. I'm not Joe Konrath and I have nothing against legacy publishing, but I do think authors have other options to explore nowadays, and to ignore those options suggests you're not getting all the information you need about the changes that have been happening in publishing over the past ten years. And I've heard one thing from more than one agent over the years. Querying works sometimes, but most of the time it's like trying to win the lottery. Anyone who has ever queried for any length of time will back me up on this.
The writer who left the comment also thinks that writers have to be these social butterflies who have to schmooze a lot. I'm not even sure what that means, but it sounds like she's been reading too many agent blogs that put a spin on publishing that's not always realistic. Maybe she's talking about book signings? Maybe she's talking about socializing in places where agents and editors hang out in New York, as if there really were such a place in the universe. It sounds more to me like this writer is romanticizing publishing from articles she's read and heard that make things sound more fascinating than they really are.
Another part of the comment seemed to suggest that writers need to go to conferences in order to get published and build a career. And I understand why she would think this. I've seen publishing professionals hock and plug writers conferences over the years more times than I can count. That's because these publishing professionals are involved in the writers conferences and there's something in it for them, not you. They are getting exposure, they are getting transportation, they are getting the chance to pick maybe one writer out of one thousand writers to publish...if that. But the majority of writers going to these conferences and conventions aren't getting any closer to becoming published authors than they are querying.
I'm not knocking conferences and conventions either. Some people really do enjoy them and turn them into social events. But writers conferences and conventions are expensive. People have mortgages, kids in college, or even college loans to pay back. I've known people who can't afford car payments and they've spent over two thousand dollars in one shot to go to a conference or convention and get nothing back in return. That's right, nothing in return. This is when writers need to think like business people. And good business people don't usually invest in anything unless they think there's going to be a return on their investment. I can understand if the conference is being held in Hawaii and you can turn it into a vacation. But most of these conferences and conventions are held in cities most people would never even venture to travel to under normal circumstances.
One reason I'm not going to Gay Rom Lit is because I don't travel often and when I do it's a big deal because I have two dogs. I take them with me when I travel. I don't board them or hire people I may or may not be able to trust watching them while I'm gone. I also have a partner I would take with me, so that would be double the cost. As I said, Tony and I don't travel much. And this year Gay Rom Lit is in Albuquerque, which isn't a city we would normally pick for a vacation. I'm sure it's a fine city, indeed. I'm sure Gay Rom Lit is a fine event. I would love to meet some of the people I've met online, but it's just not a practical event for me at this time in my life. If a publisher wanted to pay my expenses, that would be a different story. But I don't think publishers do this for most authors, especially small start up presses...and I wouldn't expect them to do it.
When it comes to getting published, the best thing any writer can do is write something good that he or she thinks people will want to read. It's not easy to get published, but it's not impossible either. And while you are waiting for that literary agent to get back to you after you've written all those queries, spend some time looking into some of the new things happening in publishing and take control of your own career as a writer, especially in e-publishing. All the resources you need are there and they are growing daily. Better yet, they are all free. You can get better results making online friends and building a readership online through social media than you can "schmoozing" or going to conferences. It's hard to give exact examples because different approaches work for different writers. Some blog, others use twitter, and I'm seeing a lot on pinterest lately. The point is this: do something and don't sit around talking about the things you can't do.
And if you want to be a career writer, don't say no to anyone. If Betty Jane Publisher asks you to write a short story on the color blue, say yes and start writing. In other words, don't sit around waiting for that big book deal...or even that medium sized book deal...without working on building publishing credits at the same time. Check out small presses, especially small e-presses where calls for submission are posted all the time. Self-publishing for some is the best option around these days, especially for the highly creative types who like to have absolute control over their work. I've read and blogged about more than a few self-published authors who have taken their careers into their own hands and have had fairly decent small successes. And many fine literary agencies now have their own self-publishing services they are offering their own clients, so they aren't going to hold self-publishing against you like it was held against writers ten years ago. Frankly, I wouldn't work with an agent who knocked self-publishing now.
Don't underestimate the things you can do for yourself as an author nowadays. The best example I can give came to me in the form of a private message a couple of weeks ago from one of my readers. She is a huge fan of m/m romance, and she recently self-published a short story on Amazon all by herself. I went right over to Amazon and bought it and was surprised at how much I liked it. She took control of her work and did something about it.

subset: commoncrawl


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Meatless May
The Mak family is going Meatless for the month of May. Why you ask? Well, I devised this little plan/challenge for lots of reasons. The biggest reason is that I've always wanted to try going totally veggie. We already eat meatless at least 2x each week, so we have lots of yummy recipes.
We also have a goal of not eating out as much. No cheeseburgers = no fun eating out :). Also, DMP and I are, um, chubby lately, so I think meatless and not eating out could help with that too. Also, it is good for our health and the environment.
This should be a fun and interesting challenge. We have decided that eggs, cheese and fish are OK (DMP couldn't QUITE face no meat at all). It is our anniversary this month and I'll be travelling, so that will be challenging. Good thing DMP and I both love sushi!
Wish us luck and if you have any good veggie meals, send them my way!
Food Storage Auditions- Black Bean Burgers and Chicken Salad
Last week, we auditioned two more potential 3 month food storage candidates.
First we tried the Black Bean Burgers from the excellent Safely Gathered In blog:
Before we proceed with the results of the audition, I want to add my standard disclaimer to this as well as any and all types of "veggie" burger. If you are expecting it to have the texture and taste of a ground beef burger, you will always, always be disappointed. If you are expecting a delicious grilled sandwich- you may be suprised that you like it in spite of the missing meat.
So- back to this recipe. It was excellent- one of the best bean burger recipies we've tried (and one of the easiest). We did almost double the amount of salsa called for in the recipe, and we added about a 1/4 or 1/2 coup of corn (about 1/3 of a can).
They cooked up nicely on the stovetop, too- crispyish on the outside and mushy (creamy?) on the inside. We served them with melted cheddar, salsa, tomatos and lettuce. Kid rating was a double-thumbs-up- Birdy ate her whole sandwich (which is the ultimate kid test).
My only issue is that I wonder about the suitibility for "shelf storage" since it relies on buns (which, technically I could make- you know, if they have a "hamburger bun" recipe for the bread machine). However, I think for the practical purposes of the 3 month supply, it gets a "pass".
On Saturday we went to the zoo. We have a new commitment to NOT eating out, so we decided it was a perfect opportunity to bust out the Chicken Salad recipe (also from Safely Gathered In) and give it a try (Pic from Safely Gathered In- not mine):
I only became a Chicken Salad sandwich fan recently, and have been pretty committed to a great recipe that my sister found on one of my favorite recipe sites, Allrecipes.com. It is awesome, but definately not food-storage friendly.
We really enjoyed this chicken salad. The canned chicken suprised us again by being really good. The craisins gave it a great shelf-stable sweetness and the toasted almonds provided the crunch. Our only complaint was that it seemed a bit dry and we had to add a good 1 1/2 extra tablespoons of mayo. The girls also thought it was great and ate up their whole sandwiches while watching the rhinos.
So now our total is up to 4 recipes and we have started shopping and collecting ingredients. I'm curious, readers, shall I continue these reviews? Are you interested? Do you care? Do you want me to just send you our final list/recipes?
Let me know in the comments!~
No need to wonder why I am the way I am
I love food. It is a VERY important part of my life (perhaps that is why I'm sucking at Weight Watchers??? Damn you cheese fries and ranch!).
I was amused by the comments left by my family about my fried chicken and wafffles comments. Several members de-lurked to also ponder this strange-yet-strangely-compelling dish. I come from a family of foodies, I tell ya!
Here is some more proof:
Here is a comment by sis Bek on another blog we both follow, Light Refreshments Served:
"Am I the only one in the world that enjoys both?? We love both events in our house and each event has annual "must have" foods… (Back in the day we used to host parties for these events, but now we have too many kids and are too lazy)… for Superbowl we always have those Bisquick sausage cheese balls.. um, yes please. We also do Cowboy Caviar….. for the Oscars we have baked brie w/ ham and garlic and blue cheese fondue (for the brie…saute up some large chunks of ham –think costco spiral sliced–place in bottom of small ish baking dish. Throw in 20 whole cloves of garlic (I usually buy mine pre peeled and sometimes roast them the day before), cut up chunks of brie…bake till the cheese is bubbly, serve with bread… you dip the bread in the brie, smear on some roasted garlic and then top with ham…. sigh.. I love food…"
I read this and was literally drooling. I didn't know blue cheese fondue existed, but hook me up, Bek!
A couple of weeks ago, another sis, Jenn, sent an announcement to the fam that her COOKBOOK is thisclose to being published!
Even the "boring" eaters of the family (I'm looking at you Kate and Brad) appreciate good food- just so long as there is no condiment or vegetable touching it.
It all started with my Dad, I think. We used to think he was joking when he said he wanted to be buried with his pepper grinder, but know we know he is serious. When he kicks the bucket, we will ceremoniously grind pepper on his grave every memorial day. Nice mustard was always a must-have in our house, too. None of that nasty yellow stuff for the Kinsels!
It is nice to finally know why I am the way I am 🙂 It is all genetics.
A Mystery Decoded- Sort Of
I like food- alot. That means I also like to cook and watch cooking shows. Lately on the "watch someone else travel and eat yummy food" shows it seems there have been several instances of a beloved southern meal of fried chicken and waffles.
I've spent a lot of time thinking about this dish (I know, I'm crazy). As you can see from the picture, it isn't chicken strips, it is chicken "on the bone". So are they meant to be eaten together like you would take a bite of chicken and eat it with a bite of creamy polenta? Are they totally seperate? Do you pour syrup over the whole thing- fried chicken included? Who the heck came up with this dish?
So, my blog public, I turned to my old friend, Wikipedia for answers. Turns out, this dish has a long history- particularly among the African-American slaves in the "olden days". They would typically get leftovers and waffles at that time were a great novelty and they rarely got fried chicken. So it apparently became a special occasion meal for them and, later, many families would have a hearty breakfast of chicken and waffles before church. Now there are a couple of restaurant chains that specialize in the dish.
So that answers a lot of my questions, but I still don't know- do you pour the syrup on the chicken? Based on my intense 30 scanning of pictures on Google images, I'm going to say no. But perhaps it is like eating bacon or sausage with your waffles- some people don't mind or even enjoy the mixing of maple and meat.
Award Winning Chili
So, I entered our company Halloween chili contest and WON for the vegetarian category. Yep, DMP's cooking skills paid off (he prepped and assembled, I heated it up and stirred). So, if you are interested, here is my AWARD WINNING Super Chili:
4 cans of beans (your choice) rinsed and drained
1 16 oz bottle of salsa
1 small can of tomato sauce (you know, the really little ones?)
1 regular can of diced tomatoes w/ juice (I used chipotle ones)
1 can cream of mushroom soup
8 oz of velveeta cheese, in chunks
About ½ c. chopped onion
About ½ c. chopped green pepper
Cayenne and Chili powder to taste (I think DMP added 1 tsp of each?)
Dump everything in a pot and bring it to a boil then turn the temp down and let it simmer for 30 min or until melted and heated through. Or, if you prefer, you can put it in the crock pot on low for 3-4 hrs. (or high for 2).
That's it. It is really good with tortilla chips, saltine crackers, cheese, sour cream and etc.


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Beebe Healthcare
Beebe is a progressive, not-for-profit community health system with a 210-bed hospital, and a $180,000,000 expansion is underway. Additionally, Beebe has numerous satellite locations throughout southern Delaware.
About Beebe Healthcare www.beebehealth.org
- Beebe Healthcare is repeatedly recognized with national awards
- Beebe is progressive and growing quickly, with high patient satisfaction
- Cardiac surgery, interventional cardiology, cancer center with radiation, 256-slice CT, 3.0T MRI, PET CT Scan, 3D mammography, and hyperbaric chambers
- 400+ providers on staff; 48,000+ Emergency visits
- Margaret H. Rollins School of Nursing
- Video
- Slideshow
Jane Dean
Beebe Medical Group Administration
Lewes, DE 19958
Beebe Medical Group Administration
Lewes, DE 19958
(302) 313-2300
(302) 644-3560


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About the Mount
Founded November 11, 1863
On November 11, 1863...
At 11:00 in the evening, seven Benedictine Sisters arrived in Atchison, Kansas, from Eichstätt, Germany – by way of Pennsylvania and Minnesota. Upon their arrival, they opened St. Scholastica Academy, and a long history of educational opportunities for young women and men from all over the midwestern United States became a reality. Presently the community consists of 111 women devoted to a communal life of prayer, work and hospitality lived according to the Rule of St. Benedict and the constitutions of the Federation of St. Scholastica with Sister Esther Fangman as our prioress. The sisters serve God's people in various ministries according to the needs of the community and their individual gifts.
Mother Evangelista Kremmeter 1863-1884
Mother Theresa Moser 1884-1897
Mother Aloysia Northman 1897-1924
Mother Lucy Dooley 1924-1950
Mother Alfred Schroll 1950-1962
Mother Celeste Hemmen 1962-1966
Mother Mary Austin Schirmer 1966-1976
Mother Noreen Huerter 1976-1988
Sister Mary Agnes Patterson 1988-1999
Sister Mary Collins 1999-2005
Sister Anne Shepard 2005-2017
Sister Esther Fangman 2017-Present
Monasterio de San Benito Mexico City, Mexico
St. Lucy's Monastery Glendora, California
Benet Hill Monastery Colorado Springs, Colorado


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Dear Stitchery Friends… Okay – this is my little moment of fame and bragdom . . .
I sewed the darling little Easter dress above for my daughter using my beloved Tootie (my 222K Featherweight for those of you who don't know), which name came by way of the help of my friend Karen a long time ago. 221, 222K – lotsa twos – so, I've officially named her Tootie.
Anyway, yes, back to the dress. Completely made on Tootie with the aid of the Singer Fashion Aids…. { Karen – PLEASE help me with links… this is where I NEED them! } Pintucks, blind hem, etc… this was quite the fun project - and I am oh, so proud of myself. My goal now is one for me by Mother's Day ~ we'll see on that one.
I felt the need to photograph Tootie for you, so you could at least meet this beautiful Singer creation and know my sewing point of reference. However, I will be elaborating on her bells and whistles at a later time.


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There are four Houses at Parish School - Richmond, Trent, Marshalls and Levellings.
Children from Year 1 to Year 6 are allocated to Houses and are able to earn house points for a wide range of things, e.g. super effort, perseverance, having good manners, following Class Contracts, upholding our school ethos etc.
From Term 5 onwards, children in EYFS are allocated to Houses and are also able to earn house points.
Each House has two House Captains, who are elected by the other children in their House.
At the end of terms 2, 4 and 6, the House with the most house points chooses a reward.
All website content copyright © The Gainsborough Parish Church Primary School
Website design by PrimarySite


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If you have struggled with a laundry list of unanswered questions or even been led astray during the loan repayment process, then you are certainly not alone. Last week, an independent government watchdog released a scathing new report claiming that the Department of Education has failed to hold loan servicing companies accountable for violating the law.
The report highlights two main areas of non-compliance on the part of loan servicing companies that the Department did not adequately oversee. First, the report finds that loan servicers often failed to provide borrowers with accurate information about their loan repayment options, sometimes placing their accounts in forbearance when other, more affordable options were available. Second, loan servicers often failed to calculate the amount that borrowers in Income-Driven Repayment plans actually owed.
"Borrowers have been suffering from sloppy loan servicing—misinformation, erroneous billing, and illegal practices for which servicers have been sued—for years, but that's not news to us," says Vincent Tran, co-founder and Chief Product Officer of Summer.
"What this report highlights is the systemic failure, including at the government unit responsible for providing oversight, that exacerbates the hardships that student loan borrowers face. Even the government is acknowledging how broken the system is."
The report finds that the Department not only fell short in its responsibility to track whether loan servicers actually followed federal requirements, but also neglected to use the tools at its disposal to discipline these companies when they did not comply with federal rules.
Contracts the Department has with outside loan servicing companies include provisions requiring these companies to return money they charge the government while they are not in compliance with federal regulations. The report suggests, however, that the Department rarely used these provisions to force companies to return money they took during periods of noncompliance.
"As a result," the report says, "borrowers might not have received the most favorable repayment terms available to them, and servicers might have been paid more than they should have been under their contracts."
In addition, the Department's method for giving new loans to these companies did not take into account whether or not they had previously complied with federal regulations or provided satisfactory service to borrowers, according to the report. Moreover, these contracts did not include any way for the Department to assess loan servicers' track record or performance. The Department's data collection on servicer noncompliance has also been lacking, the report finds, further impairing oversight.
"By rarely holding servicers accountable for instances of noncompliance with federal loan servicing requirements, [the Department] is not providing servicers with incentive to take actions to mitigate the risk of continued noncompliance that harms students and their families," the report says. "By not holding servicers accountable, [the Department] could give its servicers the impression that it is not concerned with servicer noncompliance with federal loan servicing requirements, including protecting borrowers' rights."
In response to the report, James F. Manning, Acting Chief Operating Officer, expressed the office's differences with the report findings, but the Department broadly accepted the recommendations for improvement in the report. These include better tracking servicer compliance with federal regulations, analyzing records of noncompliance to improve evaluations of servicer violations, and holding servicers financially accountable when they fail to comply with regulations, as well as gathering more complete data on interactions between servicers and borrowers.
So what does this mean for you? If you feel like you were given wrong information or your were led astray by your loan servicer, then share your story with us. You can submit it to [email protected], and we encourage you to receive further industry updates and access to our free tools by signing up below.


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Free procurement search service on Supply2.gov.uk
Following the Glover Review last November looking into the particular barriers faced by small businesses working with the public sector, the government are planning to introduce a free new search service on Supply2.gov.uk. This will enable businesses to access details of contracts right across the UK without having to pay, bringing a greater level of transparency to the public procurement market. You can register on the Supply2.gov.uk web portal (web-link below) and search for UK wide opportunities absolutely free of charge.
Summary Of Business Support Measure:
Supply2.gov.uk is a web based access portal that provides consolidated access to public sector contracts from across the country for suppliers, focussing on lower-value contracts (£20,000 to approx. £100,000).
Previously, businesses had to subscribe to access details of contracts outside their local area. From 7 August 2009, they will be able to access lower-value contracts across the UK without paying. It will still be necessary to subscribe (for a fee of up to £180) to receive email alerts of relevant contracts.
What are the key features of this measure:
The measure is essentially the addition of a new manual search function to the existing web based service, through which businesses will be able to access nationwide public sector contracts for free.
The service can be accessed through the following web-link - http://www.supply2.gov.uk/. If you would like anymore help on procurement issues please feel free to contact Kevin at email@example.com


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Getting to Cronulla
How to locate us...
Our Car Show is held in the beach-side suburb of Cronulla, which is located withing the Sutherland Shire. 'The Shire' as it's known to many, is located 25km south of Sydney's CBD and is accessible by car, rail and bus. Most international and domestic airlines fly into Sydney Airport, from the Airport it's a short 20-minute drive, making The Sutherland Shire a very convenient destination to visit.
If you're driving from Sydney city, or Sydney airport, head south and look for the signs that lead you towards Wollongong, this is a region about an hour south of the Shire. Similarly if you're heading north from Melbourne, Canberra, or Wollongong follow the signs that lead you towards Sydney.
There are three road bridges leading into the Sutherland Shire from the northern side; Captain Cook Bridge, Tom Uglys Bridge and Alfords Point Bridge. The quickest route from the city is along South Dowling Street, which turns into Southern Cross Drive passing near Sydney Airport. As you approach Brighton-Le-Sands veer left onto General Holmes drive and continue along the Grand Parade. After about 15-minutes you will approach a T-intersection, turn left onto Rocky Point Rd which will take you over Captain Cook Bridge and voila you're in the Shire!
Check out our local maps page to see where to go once you arrive and for up to date roads and traffic information visit: Live Traffic NSWApproximate Driving Times:
Parking In Cronulla
Click here for a: Detailed Map of Cronulla car parking spaces
Sydney City to Sutherland Shire: 25km/30 minutes
Wollongong to Sutherland Shire: 66km/55 minutes
Sydney Trains operates train services to the Shire every 15-30 minutes, they run on the Eastern Suburbs & Illawarra line. If you're traveling from Sydney city there are direct trains from the following stations; Kings Cross, Martin Place, Town Hall and Central. The train ride takes approximately 30-45 minutes. If you're coming from the airport you'll need to change trains at Wolli Creek Station to get on the Eastern Suburbs & Illawarra line.
Visitors coming from the South, including Nowra, Wollongong and Dapto can travel via the South Coast train line.
There are 12 railway stations located within the Sutherland Shire, each have ticket & Opal Card purchasing facilities. To view the Sydney Trains timetable and maps click here: Sydney Trains
Below: Sydney Trains - to Cronulla rail map


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Canvas & Cream18 London Road Forest Hill London, London, London, SE23 3HF European, British, Brunch
Top offer
This offer is available from November 14, 2019 until December 30, 2020, subject to availability as displayed in the booking interface. Offer excludes service and includes VAT. Not available in conjunction with other offers.
Opening hours
Restaurant description
Built by the public as an artistic project, Canvas & Cream is a charming community hub in Forest Hill. Combining a café, restaurant, events space, therapy room and home to C&C Gallery, this quirky, vintage-style hideaway is alive with creativity.
Proper cooked breakfasts from Full English through to vegan share the menu with favourites such as thick maple syrup pancakes, smoked haddock kedgeree, and eggs Benedict or Florentine. Brunch is served all day but popular lunch choices include homemade spiced chickpea burgers with sweet pickled red cabbage, crunchy spiced teriyaki squid, fresh falafel wrap or The Canvas & Cream beef burger. The meat is supplied by The Artisan Butchers in Peckham, fish responsibly sourced by Southbank Fresh Fish and fresh vegetables by Greens of New Convent Garden.
Canvas & Cream in South London boasts a laidback café, serving delights from Japanese Cherry Flower Green Tea & Fresh Ground Monmouth Coffee to Meantime Pale Ale & excellent made to order cocktails. Wander the art gallery or treat yourself to a therapy session.
A community-based restaurant complete with garden for summertime dining, Canvas & Cream is just a 1-minute walk from Forest Hill Station.
of diners recommend this restaurant
Recommended for
- afternoon tea (25)
- al fresco (8)
- breakfast (43)
- business (4)
- child friendly (25)
- dinner (18)
- entertainment (1)
- large parties (7)
- lunch (36)
- luxury (2)
- private dining (3)
- romantic (16)
- trendy (23)
- value (14)
- views (4)
23 February 2020
Overall ok - however when we got there, our table only had 3 chairs when we had booked for 6, and only had one set of cutlery. When our whole party arrived, we still hadn't been given other chairs, despite being told we would. We then had to go and fetch chairs ourselves from other people's tables across the restaurant which was a bit of a pain. The waiter also kept getting distracted, only giving half of us menus, then running off to see to the door halfway through, and not returning. Our second waiter was really friendly - however it took 20 mins for our drinks to arrive after ordering. Appreciate the restaurant was full at the time, but it was a long time to wait for a few simple drinks (only one cocktail in our order!) Brunch came 10 minutes after our drinks arrived, was generally good, my poached eggs were more boiled than poached which was a bit disappointing, but rest of the dish was great. Halloumi was a highlight.
1 February 2020
Excellent as always
29 December 2019
As usual, great breakfast - full English with quality ingredients, great service.
28 December 2019
Lovely as always- delicious food and friendly staff!
23 November 2019
Excellent as always! We are very fortunate to live opposite Canvas & Cream so we can enjoy it regularly. The food, service, prices and ambience are all fantastic. Don't change a thing! Thank you :)
14 November 2019
We had a wonderful time. The new menu is lovely. The service is polite if a little slow. A great place for lunch in Forest Hill.
19 October 2019
There was great table service They did take a while to collect our plates They let us sit and wait until we were ready to leave
20 July 2019
Friendly staff, interesting spaces including quaint garden and art gallery all part of the same entity. Hearty, tasty food
26 May 2019
We were greeted by a very friendly member of staff at the door and given the option of indoors or outside seating. We chose the gardena dn were given a choice of seats. Service was great, attentive but not annoying, and our drinks and food came quickly. The food (halloumi breakfast and bubble and squeak with bacon) was delicious and the eggs were cooked just as requested. The coffee was great but a little small. The staff made no fuss when we asked to move inside and were shown to some armchairs for some post-food relaxation. All in all a really lovely experience.
27 April 2019
I love how the restaurant felt like home, all warm and cozy. Loved the decorations and varied tables. I loved that the tea came in different tea cups. The food was yummy. I had the French Toast with Bacon and my husband had the American Pancakes and sausage. The French Toast was a little too soggy for my liking - but still delicious. And as an America, what you are calling American Pancakes are sort of close but not quite. I would love to bake you batch of fluffy buttermilk pancakes so that you would know the difference. But no worries, we ate the pancakes all up. The only sad thing about my experience is that it took forever to get you check. Our guy seem to disappear and get stuck making coffees for everyone. Another kind lady helped us out.
Available offers
Canvas & Cream Lunch Menu
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Showing all 12 results
1956-1957 Hood$900.00
Eliminated factory latches and made inside uniform for a clean look.
Removed bracing. Inner framework is all one piece.
Hood has a smooth finish on both sides, not to be confused with press molded. This hood will come with a class "A" finish on both sides with the hardware built into the hood for mounting.
1959-1962 Custom Fiberglass Hood$900.00
Eliminated factory latches and made inside uniform for a clean look.
Removed bracing. Inner framework is all one piece.
This hood is designed for use with a linear actuator. This allows hood to be opened and closed with a motor. Requires linear actuators with bumper stops or hood pins.
53-'62 Nose Panel (Used to delete front license plate and brackets)$150.00
Specifically designed with the custom RestOmod C1 Corvettes in mind, this lower nose panel was designed to fill the license plate bracket openings. This panel is easily bonded into place and body worked for a perfect smooth nose deleting the front license plate and brackets. With the bonding strips built into the part this will save you time on your build and give you an added custom look to your C1 RestOmod Corvette
58-'62 Firewall Block Off- RestOmod$300.00
This firewall block off was designed with the 58-62 RestOmods in mind. It's meant to slick out the firewall for a smooth finish in a fraction of time also allowing you the freedom to run wires and plumbing in other locations through the firewall. This cover should be bonded into place and will require a wiper motor delete.
58-62 Center Console / Armrest$300.00
This console was designed to make your life a little more comfortable in your C1 Corvette
Built to accommodate an original 58-62 or a Restomod
Test fitting is required and alterations will be required for a perfect fit. Console can be painted or covered as shown in the photo and will screw into place. Cup inserts are another great option for the console and can be found online or in boat stores in varies sizes and colors. Console can be painted or covered as shown.
Will Not Come Finished As Shown In Photo
58-62 Firewall, Inner Fender Extensions, & Retainers$800.00
This part is meant to slick out the engine compartment for a smooth finish in a fraction of time also allowing you the freedom to run wires and plumbing in other locations through the firewall. The firewall cover will require a wiper motor delete.
Meant to slick out your engine compartment, this kit will accommodate any 58-62 Corvette chassis and engine, original or aftermarket
You will get a firewall cover, 2 upper & 2 lower retainers and 2 fender caps
To install the firewall you will need to sand down the original then bond ours into place. To install the fender caps and retainers you will fit your body to the chassis and scribe where the original fenders will need to be removed, you will then pre-fit our fender caps and retainers and cut to accommodate your chassis. The fender caps & retainers should be bonded into place and body worked to a smooth finish.
Test fitting every part is extremely important and if you have any questions please contact us prior to ordering
Holley Sniper to Stock Air Cleaner Base C1-C3 Models$100.00
Compatible with Holley Sniper Part # 550-511, 550-510 and 550-516)
Use our air cleaner base with Holly Sniper to keep the original air cleaner.
Requires modification to fit your vehicle. Cut out to original airbase, Bond it, Bodywork our piece to your specs, Paint it.


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A Diabetic's Guide to Delicious Dining: Healthy Indian Recipes
Kiss desserts goodbye…skip rice…avoid fried food…cut out colas – we've all heard the diabetic diet drill. While diabetes may seem to spell doom in the food department, here are some great diabetic friendly Indian recipes that will not only keep your condition in check, but will also ensure your taste buds do the tango!
A healthy breakfast that sets the tone for the rest of the day is essential for diabetics. The trick with breakfast is to ensure that you've had something fiber rich so you feel full for longer without spiking your insulin levels after having fasted all night.
Oats and Rava Uttapam
- ½ cup Quaker Oats ground to a powder
- ½ cup rava
- 1 cup curd (the more sour, the better)
- ½ tsp jeera (optional)
- Salt to taste
- 1 chopped tomato
- 1 finely chopped onion (small)
- 1-2 finely sliced green chillies
- Coriander leaves (to taste)
- Water (as needed)
- Olive oil for making uthappams
Mix all the ingredients except in oil into a batter and keep aside for 25-30 minutes.
Heat a teaspoon of oil in a nonstick pan.
Add a large ladle full of batter and cook on medium to low flame. Cover with a lid if required.
Flip over when the edges start releasing themselves and the colour of the uttapam is golden. Cook the other side until brown spots appear. Add a bit of oil if necessary.
Serve hot with green chutney.
Repeat with the remaining batter.
Masala Omelettes
Omelettes are a great breakfast option for diabetics that are nutritious, filling and yet low on calories.
- 2 egg whites
- 1 onion, finely chopped
- 1 tomato, finely chopped
- 1-2 green chillies, finely sliced
- Coriander, to taste
- 1 tbsp. skimmed milk
- 1 tbsp. olive oil
- Salt and pepper to taste
In a bowl, whisk together the egg whites, milk, salt and pepper.
Add the chopped veggies and beat again.
Heat oil on a tawa and pour in the mix.
Let the eggs cook to desired colour and flip or fold over.
Enjoy hot, and remember to skip the side of bread!
No Butter, Butter Chicken
Cutting down on the amount of saturated fat and trans fat you eat is of utmost importance as a diabetic, so make sure you skip those red meats and opt for chicken or fish with a side of veggies and whole grains.
- 400 gm chicken breast cubed
- 4 large onions, finely sliced
- 2-3 cinnamon sticks
- 4 cloves
- 2 bay leaves
- 1 tbsp garlic paste
- 2 pieces cardamom
- 5-6 large red tomatoes
- 1/4 cup yogurt/curd
- 1/2 tsp red chilli or to taste
- 1/2 tsp coriander powder
- /4 tsp haldi powder
- 3-4 green chillies (de-seeded)
- Fresh coriander for garnish
- 2 tsp olive oil
- Salt to taste
Add 2 tsp of olive oil to a nonstick pan.
Now add the sliced onion, cinnamon, bay leaves, cardamom, garlic paste. Saute until the onion starts browning.
Turn the gas off and let the onion and spices cool. Once they have cooled down, blend them with chopped tomatoes and curd till you have a smooth paste.
Take the pan you used earlier and saute the chicken pieces in the oil that was left over from the onion.
After the chicken is almost done, add the onion, tomato/curd paste with chicken and cook.
Add salt to taste, red chilli, coriander powder, haldi, green chillies.
Finally let chicken cook until the separates and is seen floating on the top.
The color of the tomatoes should have also changed to a nice red by now.
Garnish with coriander before serving with hot whole wheat chapatis.
Missi Roti
An excellent dish, packed with fiber and chromium that help keep diabetes in control.
- 1½ cups whole wheat flour
- ½ cup soya flour
- ½ cup jowar flour
- ½ cup bajra flour
- 1 cup gram flour (Besan)
- 1 teaspoon ajwain
- 1 pinch turmeric powder
- ½ cup fenugreek leaves ,finely chopped
- Red chilli powder to taste
- Salt to taste
- Water for kneading
- Wheat flour for rolling
- MethodMix all the ingredients in a bowl and kneed well.
Roll out like regular rotis and cook on a tawa. These rotis go well with veggies or can be had plain with a bowl of low fat yogurt.
Apple Rabadi
Who says diabetics can't have desserts?!
- 3 cups low fat milk
- 1 cup grated apples (keep the skin on)
- ¼ tsp cardamom powder
- a large pinch of cinnamon
- 1 tsp sugar substitute such as stevia
Bring the milk to boil in a saucepan, stirring it from time to time until it begins to thicken, all the while ensuring that the bottom doesn't burn.
Next add the grated apple and continue cooking on low heat.
Add in the cardamom and cinnamon powders and cook for another few minutes until your desired consistency has been achieved.
Next add the sugar substitute and mix well.
Turn of flame and keep aside to cool. Once the rabadi is at room temperature, refrigerate.What are your favourite diabetic friendly recipes?


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You're invited! ESRA works hard to put on free events for USDA employees including Vendor Fairs, Financial Workshops, Lunch & Learns and more. See our Events Calendar below for a list of upcoming activities.
Events for May 2, 2019
Events Search and Views Navigation
10:00 am
Vendor – Sandy Springs Bank
Join James Johnson from Sandy Spring Bank at the ESRA Vendor tables in the South Building Cafeteria! He'll be set up several days in May […]Find out more »


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Thousands of buses ply the roads of Metro Manila every day. Provincial buses also stream from northern and southern Luzon, offering connections to major points in the region.
The bulk of bus terminals offering provincial routes are mainly found in the area in the heart of Quezon City (Cubao), although there are other many other remote terminals throughout the metro. The lack of a central bus terminal is due to the large number of bus companies operating in the region, all of which have their own stations.
There are three classes of buses running to and from major areas around Metro Manila and Luzon, namely, air-conditioned buses, non air-conditioned buses, and tourist buses.


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Here is an original spare Chesterfield seat cushion in Blue, we can provide dimensions so please ask, this item has free shipping. The seat cushion itself is in pristine condition.
We have others they are all different shapes and sizes. This seat cushion would be suitable as a spare sofa or chair cushion.
Please feel free to contact us with your questions, HAPPY SHOPPING


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There are few things more discouraging as a cook when a family member complains that "it doesn't taste quite as good as your mother's dish (or grandmother's)." For many years, I took great offense at this slight and propelled myself to do better the next time.
Sadly, I always came up short: "Your fried chicken is good, but not nearly as tasty as Mammaw's."
After berating myself endlessly, I finally realized that the food ingredients we are using today aren't the same that my mother and grandmother used. No wonder the foods taste differently.
This was vividly brought to my attention after watching Anthony Bourdain narrate a brief history of Rice in the Low Country during the PBS Show entitled "Mind of a Chef."
To make a long story short – as he could easily talk for hours – Glenn wants to restore local grains and other crops in the southeast that have largely disappeared in American cuisine. These cash crops vanished as consumers were gradually weaned over to less nutritional factory-processed foods. To resurrect these native crops, Glenn and his colleagues would often travel to Africa to re-discover species that once thrived on American shores.
Before finishing the program, I ordered Carolina Gold Rice, which Glenn refers to as the "grandfather of long-rice in the Americas." While I prepared it somewhat differently, the taste and texture were unlike anything I have ever experienced with other commercial grades of rice.
Since that wonderful experience, I wouldn't think of ordering my grains, polenta, grits and those delicious Sea Island Red Peas from anywhere but Anson Mills. In fact, all of their products are unlike anything you will find in most grocery stores.
So popular have these products become in gourmet restaurants, you can often find menus which list entrees served with Anson Mills polenta or grits. Savvy consumers know the difference.
Now that I have discovered Anson Mills and some other wonderful products by artisan farmers, my children now tell me that my new rice vegetable casserole is "as good as Grandma's." This puts a smile on my face.
The lesson is quite simple: If you use quality products – preferably in season – your food will taste better.
In future posts, I will cover beans, heirloom tomatoes and other vegetables, extra virgin olive oil and humanely slaughtered and organically raised fowl and meats. Finding the "right" ingredients is 90% of the battle to make great dishes.


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Open Knowledge Australia is part of a worldwide non-profit network of people passionate about openness, using advocacy, technology and training to unlock information and enable people to work with it to create and share knowledge.
Steven is an open data and open knowledge community contributor. He is Co-Secretary and Treasurer of Open Knowledge Australia, member of the Steering Group and Community Team Lead for the CKAN Association, an organizer of GovHack.org, founder of DataShades.com and Executive Director of the data first digital agency Link Digital.


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Mozhan Marnò is an American film and television actress. She was born on May 3, 1980 in Los Angeles, California, USA. Mozhan is of Iranian descent and holds American nationality. Her parents both came from Iran and then met in the U.S. where Mozhan was born after her parents got married. She is known for her roles in The Blacklist and House of Cards.
Marnò's Education and Career
Mozhan studied at Philips Academy, Andover in Massachusetts. She earned her degree in French and German comparative literature from Barnard College of Columbia University and after MFA in Acting from the Yale School of Drama. Her first notable role was in 2088 movie The Stoning of Soraya M., portraying a woman whose husband dishonestly accuses her of infidelity, which resulted in her death by stoning.
Numerous roles in a various television series followed, including The Paul Reiser Show, The Glades, Hung, The Mentalist, Bones, The Unit, Medium, K-ville, and Standoff.
Mozhan Marnò also performed in the Untitled John Wells Medical Drama Pilot, which was not aired. Furthermore, she stared in Ana Lily Amirpour's directorial debut, A Girl Walks Home Alone at Night, produced by Elijah Wood, under his company, The Woodshed.
In addition to her acting career, Marnò also writes screenplays and directs movies. She has adapted her first feature-length screenplay When the Lights Went Out as a play and it received its first production at New York Stage & Film in July 2013 with Laura Innes from ER starring.
Mozhan's When the Lights Went Out, was a quarter finalist for the Nicholl Fellowship, a finalist at the Nantucket Screenwriter's Colony, Sundance Screenwriter's Lab, and won third prize at the Cinequest Film Festival Screenwriting Competition.
Marnò's wrote and directed short film, Incoming, that was accepted to the Noor Iranian Film Festival, LA SHORTS FEST, the Asians on Film Festival, and the DC Asian Pacific American Film Festival.
She also portrayed reporter Ayla Sayyad on seasons two and three of the acclaimed Netflix series House of Cards, and appeared as Mossad agent and assassin Samar Navabi, in seasons 2 and 3 of another popular series, The Blacklist. Due to her casting in The Blacklist, Mozhan had to stop working on Madam Secretary in 2014, after she appeared in the pilot episode.
There is Marnò's professional bio available on Wikipedia to her followers.
Net Worth and Income
It is assumed that, busy as she apparently is, Marnò enjoys a decent net worth and income. The exact information about her earnings has not yet been disclosed, though.
Mozhan Marnò Partner and Family
Although Mozhan is pretty active on her Twitter and Facebook, she doesn't share much about her personal life. She uploads lots of her personal pictures on Instagram but none of the photos indicates her dating or having an affair. Her Facebook account doesn't give any more information about her personal life and relationships.
Mozhan's fans and thousands of followers stay short of her private life bio and it seems that this beautiful actress plans to keep it that way. It is not known whether she has a spouse or she's been dating somebody.
There is no information on Mozhan Marnò's early life and family as well. The only available info is that her parents immigrated to the States from Iran and got married afterwards. It is hard to find information on Mozhan's siblings and cousins too. She has no children and is not believed to be married at present.
Also, there is no affairs currently that Mozhan is known to be involved in.
Marnò is 37 years old right now. She was born on May 3, 1980.
Is Mozhan Marnò a Lesbian?
There is no information available on Mozhan's sexual orientation. She is believed to be heterosexual because there were some rumors about her dating a handsome man whose identity has not been revealed.
Height and Weight
Mozhan Marnò's height is 5 foot 10 inches (1.77m). There is no information on her weight available. She looks very attractive and elegant. Mozhan has dark brown hair and brown eyes.
Ethnicity and Nationality
Mozhan holds American nationality, since she was born in the U.S. She is of Iranian descent, with both parents' Iranian cultural background.
|May 3. 1980.
|American nationality
|Net Worth:
|Hair Color:
|Dark brown
|Eye Color:
|5 foot 10 inches (1.77m)
|Married to:
|Affair with:
|Birth Sign:
|Barnard College of Columbia University and Yale School of Drama
Read more: Elodie Yung, Not just a Bad Ass on TV, but a Bad Ass in Real Life!


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News and Stories
UPDATE: Idaho Potatoes - Winter Weather Advisory
December 12, 2018
A winter weather advisory has been declared in Eastern Idaho beginning this evening and continuing through Wednesday.
- Snow, high winds, low visibility, and slippery road conditions will make it very difficult to haul potatoes from cellars to packing sheds for production
- Markon will report any interruptions to supply and order fulfillment
Please contact your Markon customer service representative for more information.
©2018 Markon Cooperative, Inc. All rights reserved.


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How a dead-simple blog is the turning point of an empire
When was the last time you wrote something on the internet? Probably today.
You are hyper-connected. We all are. The difference between you and the average person on the internet?
They don't know my blog – Kidding.
The average person on the internet doesn't write. Did you hear about the silent majority? 80% of the internet don't write, don't answer comments and don't do anything except reading what others write.
Maybe you read, maybe you write.
But did you know that being the loudly-internet-speaker is at your advantage? Having a voice, ideas and things to share… people read all this shit.
And when I say shit that's in a positive manner.
Let's be self-aware for 3 seconds. What are you reading? My writings.
I'm no different than you. I'm Yannick, a 19 years old who discovered websites… But you don't give a damn and that's fine.
Coming back to our sheep – they are marvelous. What I write, you read.
When you write? Other people read. There will never be enough content on the internet. Never ever. New ideas flourish every day. New videos come out of nowhere – hup,hup, huppa gangnamstyle!
Who publish these things?
People no different than you.
Your neighbor could be
The more peep's look at these content, the more they are shared and the more they are viewed.
Get the logic?
Once you are on the internet, you are there. You stay there forever.
What you write, your great-grand-son will be able to read it – if that's not too boring for him to read.
What you write, someone in China will be able to read it.
What you write, anyone can find it and read it.
That's where the internet becomes no more than a tool to connect readers and writers.
Look at the internet with 2 eyeballs.
One is the consumer. He reads, watch and laugh his ass of at some memes.
One is the enthusiast-happy-opportunist who knows that 90%+ of the internet is made up of
What's the smartest move he can make? Write things that peep's will read.
It's brain-dead simple. Peep's read things. So you write things.
The demand? The offer. As old as God's green earth.
Write things and peeps will come to read it.
Write enough things and more peeps will come to read it.
The park is open 24/7. The carousel spin, spin endlessly.
And when they want to go? You get an idea. You don't let them go.
No. You offer them a ride on the flashy roller-coaster. The roller-coaster spin, spin endlessly.
Maybe you caught the reference, maybe you didn't – The Wolf of Wall Street.
The roller-coaster? The carousel? They are your articles.
When they – your readers – want to leave, you don't allow them to.
Pin-point them the cool-giga-extra-cool article you wrote on
Repeat, repeat endlessly.
You got your own amusement park on your blog, and this, my friend is the beginning of your empire.
Once your readers are entertained, they will move to the next step. Share it all with their friends in a good, positive manner.
That means more peeps on your 24/7 amusement park.
Until now there
But you get a freaky idea. You open a water park in your amusement park, you make the visitors pay a fee to enter.
What's inside the water park? A funny swimming pool, a clown
Three times the fun you could have on the flashy roller-coaster. Now when your visitors get used to the amusement park, you direct them to your new water park.
They pay a fee to enter. They are happy to do so. They had so much fun with the spinning carousel and the roller-coaster that they want to see the vertical water slide. The fee they have to pay? They pay it mindlessly knowing all the fun they will have with the water park.
When they leave, they tell all their friends.
"There's a new water park with a vertical water slide that rocks!"
Peeps will come to your water park, pay the fee and be happy with it.
They'll have the fun of their life in exchange.
Bringing more peeps to the party.
That's how to run an amusement park.
That's also how to run a blog.
The amusement park
An amusement park is handled the same way
Now you may complain that you don't have any kind of real-life experience in writing. I understand your point.
Did I mention that I'm French so English isn't my native language? But… You read down to this point.
There's something making it readable – and enjoyable.
That's the originality of what you read. You will never find something similar on the web. It's unique. It's on my website.
That's my tone, my voice. It's a speech, I write like I'm talking.
That's the special touch.
Now that you know, tell me.
What's stopping you from writing like I do?
Is it the fear of failing?
What's worse for you?
Trying and failing to build an online empire? You can try again, like in a video game.
Or never trying and living paycheck to paycheck because you never took a single risk? How will you try again if that's all you are doing
How bad does the second option sound?
Pretty bad.
Psst, let me tell you a secret…
The game is rigged in favor of bold peeps. You read that far? You are a bold person. 70% of the readers already left the page.
I'm pretty content with this stat. Only the best will stay, sounds like Hunger Games.
And you'll brutally murder them all with the tool I'm about to give you.
Launch your online empire
What you get?
- A website that converts readers to addicts
- A design to catches the attention
- Everything you need to start your blog – you won't have to read anything more on the subject
- A secure and trustful website recognized by Google and any web navigator
- The first piece of your online empire
Cancel subscription at any time on your PayPal account.


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COVID-19 business hours: We are open 24/7, as always. Our editors are working in safe environments, and are eager to serve you, now more than ever.
Reviews 22
Jobs Completed 85
David holds a PhD in English Language and Literature from the University of Pennsylvania as well as undergraduate degrees in philosophy, literature, and ancient Greek. The founding editor of a scholarly journal and a book series, he has published over 200 research articles in addition to 20 monographs, edited volumes, and special journal issues. While holding academic positions in the U.S. (Duke University & Ohio State University) and the U.K. (Durham University), he has taught writing at all levels, from ESL composition courses and advanced undergraduate seminars to doctoral dissertations and faculty workshops. In his editing work, he draws on his academic training and a strong track record of cross-disciplinary research and publication to enhance his clients' capacity for communication, self-presentation, and audience engagement, in any medium or context. Skills: Academic, Environmental Studies, ESL, Humanities, Manuscripts, Music, Nonfiction, Social Sciences, Textbooks
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Support Us On Patreon
We are currently recruiting rogues, miscreants, cake addicts and tea fiends to join our band of relentless rogues on patreon.com. If you'd like to help us bring more fabulous fiction, reviews, interviews and tea-related madness into the world, come and join our tea-fuelled adventures…
Our tiers at a glance…
Hey, we know the coppers are tight, you've probably got The Good Folk on your back and you're putting every penny towards your next Lemonade fix- we understand, we're there too! We hugely appreciate whatever gift you can spare and to show our gratitude we're giving you a 'Patrons Only' feed which will keep you updated with all our progress ahead of publication! In fact, we love you so much we'll even give you a free pdf copy of each novel your kind donations have helped support, plus occasional 'behind the fiction' posts telling you how all the science, history, technology, music hall and other gloriously geeky goodness in our books actually relates to real life! We'll also list your name and website in our Rogues Gallery on blakeandwight.com so that everyone will know you are an officially wanted criminal in the Scattered Isles Of Ire.
What? Seriously? You're going to share some of your hard-won, ill-gotten gains with us? Well, we're blown away! …er, not literally though, please…no, no honestly put the gun down because look, we have wonderful gifts to offer you to thank you for your kind generosity! Of course you can have all the lovely things the lemonade dealers are getting and, because we really are a little terrified of you, we'll even include you as a minor character in the book, short story or snippet we are currently working on and in your patron feed you'll also get occasional bonus short stories, character musings, teabie sketches from Penny and other fun little snippets which the lower tier won't have access to. And, yes of course, your name will be listed on our website as a wanted scourge of the skyway rails in The Scattered Isles Of Ire!
So you've given your heart to the pirate king? Well he'd like to give you something in return! As well as everything the Skywaymen get, you will be assigned to the crew of a genuine New World Landship which steams out of the clockwork city of London. On our website you'll be listed along with your other crew members as wanted criminals in Ire and we'll send you a personalised printable wanted poster to pin on your wall! We'll even send you a free copy of our first tea painted mini-book Utterly Myself to read whilst sunning yourself on deck between raiding and pillaging!


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By Amy McCullough
From an editorial in the New York Times by Harvard economics professor Edward L. Glaeser on why green energy manufacturing will never be a real job creator in the United States:
"Evergreen Solar announced last week that it was closing its plant in Devens, Mass., laying off 800 workers, and moving production to China.
Evergreen's factory had received more than $40 million in subsidies, which led many to see the plant closing as lesson in the futility of green energy and industrial policy. But what does Evergreen's story really teach us about solar energy, public subsidies and the future of American manufacturing?…
Conservative critics, including Michelle Malkin, argue that the Devens closing provides a warning about green energy: "The myth that 'green jobs' are a boon to the economy keeps getting pierced by failed green jobs boondoggle after failed green jobs boondoggle." But it was always a mistake to think that clean energy was going to be a jobs bonanza, and we should be investing in green technology whether or not it produces jobs.
America has had many high-tech breakthroughs over the last half-century, but those innovations rarely provided abundant employment for the less educated workers who need jobs most. The Devens closing reminds us that even when ideas are "made in America," production is almost always cheaper in China. …
It's easy to see why any governor would be excited about a green-energy manufacturing plant in a less prosperous area of his or her state. But the same forces that made Devens political catnip meant that it was unlikely to be a long-term success. …
We should continue financing research on solar technology as long as that research continues to produce cost-cutting breakthroughs, like "string ribbon" technology, but we shouldn't pretend that cheaper solar energy will end up employing millions of our less-skilled citizens. For decades, local economic success has come from entrepreneurship and education, not large-scale manufacturing."
… we'd like to ask for your support. More people are reading the Mississippi Business Journal than ever before, but advertising revenues for all conventional media are falling fast. Unlike many, we do not use a pay wall, because we want to continue providing Mississippi's most comprehensive business news each and every day. But that takes time, money and hard work. We do it because it is important to us … and equally important to you, if you value the flow of trustworthy news and information which have always kept America strong and free for more than 200 years.
If those who read our content will help fund it, we can continue to bring you the very best in news and information. Please consider joining us as a valued member, or if you prefer, make a one-time contribution.Click for more info


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How to Stay Relevant in an Increasingly Diverse Environment | Lazetta Braxton CFP
Session: 8:00 AM
Session Description
Changing demographics in the US can pose both an opportunity and challenge for financial planners/advisors searching for effective ways to serve future clients and grow their businesses. In this session, demographic trends, business roadblocks, and suggested approaches will be discussed.
Learning Objectives
A 45-minute session uncovering how to position attendees and their firms for serving diverse clients.
Speaker Bio
Lazetta Braxton, MBA, CFP®, Founder, Financial FountainsLazetta Rainey Braxton, MBA, CFP®, is the "Financial Planner for the Rest of Us." Unlike many financial advisors who focus only on the super-rich, Lazetta partners with everyday people who desire the financial freedom to experience, influence, give, and make a difference for their family and future generations; to create wealth for the common good. A Certified Financial Planner™ practitioner with more than 20 years of experience, Lazetta offers personalized financial planning, investment management, and educational seminars to individuals, families, businesses, and institutions. In 2008, she founded Financial Fountains, a fee-only financial planning and registered investment advisory firm that serves clients from around the country. Recognized for her leadership, entrepreneurial spirit, and dedication to the financial planning profession, Lazetta was honored as a 2018 Financial Planning Association Heart of Financial Planning awardee; as one of the inaugural Investment News' Excellence in Diversity and Inclusion and Women to Watch awardees; and as an Association of African American Financial Advisors' Leadership Legacy awardee. She is frequently featured in national publications and makes guest TV appearances as a financial expert. Lazetta has appeared on NBC Nightly News with Lester Holt, Nightly Business Report, and CNBC Closing Bell. She has been featured in national publications including CNBC.com, The Wall Street Journal, Kiplinger's, Essence, Black Enterprise, Financial Planning Magazine, Morningstar, USA Today and many more. Also, as a sought-after speaker, Lazetta delivers keynotes and workshops that invite attendees to secure their legacies for the common good.
|No events


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How to refund Cash App Amount?
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How to refund Cash App Amount?
Connect with the 1-845-363-2420. Cash App Customer Serviceagents by placing a call at the toll-free number that you can find under the Call Support section once you log in to your Cash App account. Contact our Customer Service For Further Support.The Cash App gives a basic stage to make online exchanges and consequently, it charges an insignificant expense for Business installments while the individual installments are not charged except if sent from a Visa. This application enables you to effectively pay leases, buy, and exchange cash at only a single tick and with a great deal of security also.
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The Sacred Heart Active Parents Club strives to support the mission of our Sacred Heart School, to nurture the spiritual, emotional, and academic growth of each student, and to help them become productive Christian citizens. Parents of all children PreK-12 are invited to join Active Parents' Club.
2019-2020 Officers
President: Angela McMullin
Secretary: Jennifer Cordia
Treasurer: Carrie Smith
If you have questions or are ready to get involved contact us today!