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The ETF has lost about -6.11% so far this year and it's up approximately 0.51% in the last one year (as of ). The S&P 500 Value Index measures the performance of large capitalization value stocks. VOOV seeks to match the performance of the S&P 500 Value Index before fees and expenses. The top 10 holdings account for about 18.23% of total assets under management. #VANGUARD EXPENSE RATIO FREE#( BRK.B Quick Quote BRK.B - Free Report) accounts for about 3.17% of total assets, followed by Johnson & Johnson ( JNJ Quick Quote JNJ - Free Report) and Exxon Mobil Corp. Looking at individual holdings, Berkshire Hathaway Inc. Financials and Industrials round out the top three. This ETF has heaviest allocation to the Healthcare sector-about 16.30% of the portfolio. Luckily, most ETFs are very transparent products that disclose their holdings on a daily basis. It has a 12-month trailing dividend yield of 2.08%.Įven though ETFs offer diversified exposure that minimizes single stock risk, investors should also look at the actual holdings inside the fund. Since cheaper funds tend to produce better results than more expensive funds, assuming all other factors remain equal, it is important for investors to pay attention to an ETF's expense ratio.Īnnual operating expenses for this ETF are 0.10%, making it one of the least expensive products in the space. But in strong bull markets, growth stocks are more likely to be winners. When you look at long-term performance, value stocks have outperformed growth stocks in nearly all markets. While value stocks have lower than average price-to-earnings and price-to-book ratios, they also have lower than average sales and earnings growth rates. Overall, they are usually a stable option, with less risk and more sure-fire cash flows than mid and small cap companies. Large cap companies usually have a market capitalization above $10 billion. It has amassed assets over $2.99 billion, making it one of the average sized ETFs attempting to match the Large Cap Value segment of the US equity market. If you're interested in broad exposure to the Large Cap Value segment of the US equity market, look no further than the Vanguard S&P 500 Value ETF ( VOOV Quick Quote VOOV - Free Report), a passively managed exchange traded fund launched on. BrainTap technology helps balance your nervous system and helps you defend against the stressors of everyday life. You can find a comfortable place in our relaxation room, or one of the private rooms to sit during your BrainTap session. Studies have also shown that BrainTap Therapy increases your ability to work well under stress. Some benefits are improved sleep, rest and memory, ridding your mind of unnecessary clutter, and providing brain exercises to keep you sharp. We’re able to promote healthy brainwave functionality with this cutting-edge technology. Prices for all services are subject to change.īrainTap Therapy works by combining powerful technologies that reset, relax, engage and strengthen your brain’s abilities. #FLOAT SPA NEAR ME SKIN#This treatment can also decrease the symptoms of chronic skin conditions including rosacea, eczema and psoriasis.Ĭontact FLOATspa to see how Targeted Cryotherapy can help you. The treatment also stimulates collagen production which aids in the reduction of fine lines and wrinkles. The results can include reductions in redness, inflammation, puffiness and pore size. When Targeted Cryotherapy is used on the face and neck it promotes better oxygenation of the skin cells through stimulated circulation. We work with you to ensure your comfort during this treatment which lasts only a few minutes but provides huge benefits. #FLOAT SPA NEAR ME FULL#You will experience the same dry, oxygenated air like a Full Body session but on a targeted area, such as your knees, elbows, back or hamstrings. At FLOATspa, we recommend doing what feels right for your body and welcome questions. Some studies recommend a Full Body Cryotherapy session followed by a short rewarming period and then a Targeted Cryotherapy treatment. The ability to focus in on areas of pain or concern can increase your range of motion and circulation in quick cold shock treatments. Targeted Cryotherapy flushes fluid and cellular waste from specific injured or painful tissues. Similar to our Full Body Cryotherapy, FLOATspa’s Targeted Cryotherapy eases muscle pain and joint disorders. Prices for all services are subject to change. Schedule your float and feel reinvigorated. If you wish, with ear plugs in and the tank’s interior lights off, the silence and the darkness allow you to drift into the deepest state of relaxation possible. You will experience almost weightlessness due to your buoyancy. #FLOAT SPA NEAR ME FREE#Unless you’re an astronaut, floating is the only way your body can be truly free from the effects of gravity. The water’s temperature means that once you are in the solution, it’s almost impossible to discern what parts of your body are in contact with the solution and those that aren’t. Inside our floatation tanks, about 1,000lbs of specially formulated Epsom-salts are added to an estimated 1,000 liters of water, creating a solution, which is heated to precisely skin temperature. It also stimulates the production of dopamine, a neurotransmitter, to boost focus and motivation. Flotation Therapy reduces stress, pain, tension and anxiety by calming the nervous system and enhances the body’s natural ability to heal. Little to no rain fell south of the Expressway. It brought over an inch of rain north of Interstate 80 and close to 0.50” for most areas extending south from I-80 to the Atlantic City Expressway (Figure 1). Central areas received the least amount of rain, including two Hillsborough (Somerset) stations with just 2.39” and 2.52”, Bridgewater (Somerset) 2.57”, five Franklin Township (Somerset) stations with 2.57”, 2.60”, 2.64”, 2.71” and 2.94”, two Montgomery (Somerset) sites with 2.60” and 2.82”, and Hopewell Township (Mercer) 2.75” and 2.78”.Ī squall line dropped southward through the state late on the 2nd into the early hours of the 3rd to kick things off in October. Two Hammonton (Atlantic) stations saw 8.01” and 7.18”, Sewell (Gloucester) 7.45”, Pitman (Gloucester) 7.15”, Galloway Township (Atlantic) 7.05”, and Washington Township (Gloucester) 7.02”. This was followed by two Stafford Township (Ocean) locations at 8.46” and 8.36”. This is still above the 3.44” median October north Jersey precipitation, as monthly precipitation records are skewed toward values less than the mean.Īn examination of individual station totals for October finds Southampton Township (Burlington County) the wettest, totaling 9.36”. North Jersey averaged 3.82” (-0.49”) and ranked 56th wettest. South Jersey was a fair bit wetter than up north, averaging 4.66” (+1.03”) and ranking 29th wettest. The total of 4.38” was 0.49” above average and ranks as the 34th wettest of the past 124 Octobers. South Jersey (Mercer-Middlesex-Monmouth counties and all points south, except the immediate coast) was absolutely and comparatively milder than north Jersey, averaging 58.0° (+2.4°), versus 53.8° (+1.4°) up north.ĭespite the two previously mentioned large rain events, statewide October precipitation was rather close to average. This is 2.0° above the 1981–2010 average and ranks as the 24th warmest October since records were established in 1895. Statewide, the average October temperature was 56.5°. Michael was an Atlantic storm that made landfall in the Florida panhandle, while Willa was an eastern Pacific storm that came ashore on the west coast of Mexico. The remnants of yet another major hurricane, Willa, provided energy and moisture to a quick-hitting nor’easter on the morning of the 27th that brought some of the worst coastal flooding since Sandy in 2012. Generally cool conditions prevailed the remainder of the month. This one-two punch was followed on the 17th by the first freezing temperatures of the season at a few locations and a more widespread freeze on the 19th. That evening, and into the morning of the 12th, moisture from the remnants of once major Hurricane Michael ran up against the front and brought heavy rain to south Jersey. Moderate to heavy rain accompanied the front in northwest NJ during the daytime hours of the 11th. Passage of the first strong cold front of the season was responsible for the change. Summer-like weather prevailed through the 11th, quickly transitioning to fall-like conditions on the 12th. This will continue to heat your engine up to the point where it can over heat. This will only heat your engine up to a certain extent. If you push left for too long, you will fall off the bike. When on the ground, push left to do a wheelie. This causes the bike to fly higher and shorter. : When in the air, push left to raise the front wheel.This causes the bike to fly lower and longer. : When in the air, push right to lower the front wheel.The game's lasting legacy led to Nintendo 64 sequel called Excitebike 64 (which included the original game as a minigame), as well as Excite Truck for the Wii. version was later released on the Famicom Disk System with some improved features. Excitebike was released in the arcade shortly after the Famicom release, partially in an attempt to create a demand for the home version in the United States. #EXCITEBIKE NES RELEASE DATE SERIES#This version of the game was published for the Game Boy Advance e-Reader card system (without the track save feature) as Excitebike-e, and then again as part of the Classic NES/Famicom Mini series of NES games on the Game Boy Advance with the ability to save one track. When the game was released outside of Japan, the edit mode remained, but there was no way to physically save the tracks. It was the fifth best selling Famicom game released during 19, selling approximately 1,570,000 copies in its lifetime. These tracks were saved on the Famicom cassette recorder that was also used with Famicom BASIC. When Excitebike was programmed for the Famicom, it including a track edit mode where players could design and play on their own tracks. The controls are simple and intuitive, and the experience is fun, as you guide your bike over ramps and jumps, and trip up the competition. The player merely assumes the role of a motorbike racing contestant whose aim is to become the champion. There is no back story or integral characters to know. Though primitive by today's standards, Excitebike builds its gameplay, and subsequently its popularity, on a pure game design concept. Excitebike ( エキサイトバイク, Excitebike ?) was one of the more popular launch titles for the NES, but its popularity was due in large part to the games presence in arcades. Jesus is always teaching me something through the children in my classroom – I can see His love shining in them each day. The best part about following Jesus is… learning how much He loves us and sharing that love with others. It is a home away from home where I can share my faith with others and praise God for His many blessings. 22 deacons (LLDs) who are 50 years of age. Sharon completed the Lutheran Teacher Colloquy program through Concordia University in Seward, Nebraska and has her Master of Science in School Leadership. Paul Lutheran mean to you? It is my church and school family. colloquy program (with appropriate regional colloquy committees) to regularize the status of current licensed lay. JACQUELYN MAGNUSON, Bettendorf, Iowa, serving in Davenport, Iowa, has submitted her application for the Director of Parish Music Colloquy Program of The Lutheran ChurchMissouri Synod through Concordia University Wisconsin, Mequon, Wis. What do you like to do in your spare time? I enjoy going to the movies, reading, singing, playing trivia or card games, and writing. She has traveled to Canada, Spain, France, England, as well as Hawaii and numerous other states. Raised in Oklahoma, she has also lived in: California, Texas, Montana, Guam, and Germany (both West Germany and East Germany before the wall was removed). In addition to her sons and daughters-in-love, she has 5 grandsons. Paul when she married Mark – a life-long Lutheran. Niemann – After being raised in the Catholic Church, she joined St. They also offer a colloquy program for pastors who were ordained in other church bodies and want to join the LCMS. She is a Commissioned Minister of Religion with LCMS, serving as a rostered/called teacher.Ībout Mrs. Niemann completed the Colloquy Program of Concordia University. She has worked on district level committees to align curriculum with Common Core and State Standards, and selecting curriculum materials for ELA, Math, Science, and Social Studies. She holds a Bachelor’s Degree in Education (Highly Qualified Certification K-9), has served as a Mentor Teacher, Teaching Coach, S.I.T. LCMS COLLOQUY PROGRAM PLUSShe has a total of 17 years in the classroom, plus 5 years of substitute teaching, as well as 2 years of home-schooling her sons when her family was stationed on Guam. Patrick Catholic Elementary School, Kansas City, KS. A student enrolled in the Concordia online Teacher Colloquy Program must complete courses (as required by the LCMS) in the following subjects: Old Testament. She previously taught in the Leavenworth Public School system (USD 453), and prior to that at St. Paul, she has taught 1st, 3rd, 4th, & 5th grades. The decision of the Colloquy Committee shall be regarded as final by all parties to the colloquy application. Sharon and her husband, Martin, have two boys, Jacob and Luke, who attend the Lutheran High School of Kansas City. Sharon enjoys playing, coaching and watching sports of all kinds, including competing in several triathlons every summer.Mrs. The Colloquy Committee, however, retains the responsibility and authority for deciding to grant or to decline the exception. She has since served in many roles including kindergarten aide, athletic director, coach, PE teacher, music/choir teacher, piano accompanist. When Bethany Lutheran School opened in 2000, Sharon was one of the founding teachers and taught first grade. He completed the colloquy program from Concordia Seminary, St. Sharon taught at Grace Lutheran School in Kansas City, Kansas for seven years. Reverend Pacey previously served as Associate Pastor of Memorial Lutheran. Sharon completed the Lutheran Teacher Colloquy program through Concordia University in Seward, Nebraska and has her Master of Science in School Leadership degree from Baker University. She attended Emporia State University and graduated in 1992 with a Bachelor of Science in Elementary Education with an area of concentration in health and physical education. Sharon was born in Australia and grew up in Valparaiso, Indiana. The more that the songs served as a departure from the hard reality into dreamful felicity and affected a sentimental love song idyll, the better the "true face of Nazi Germany" could be hidden behind the joyful major-key notes. In particular the Reichpropagandaminister Joseph Goebbels, as Berszinski writes, noticed early on that down-to-earth, simple songs were a useful propaganda tool. Niel, who in early May 1933 joined the NSDAP and was among others became a "leading" Kapellmeister at the Reichsarbeitdienst, created numerous marches that largely served the National Socialist propaganda campaigns. It was a great success even before the start of World War II. The song was originally published in 1938 by the publishing firm Louis Ortel in Großburgwedel. The exact year of the song's origin is not known often the date is given as "about 1930," a date that, however, has not been substantiated. The lyrics of the song were written by Niel, a German composer of marches. A version, with Afrikaans lyrics, was the anthem of the South African Air Force during the apartheid years. The Finnish Army had a Finnish translation version, Kaarina, of this song during the World War II. The song has also become traditional by the highly Prussianized Chilean Army. In itself, the song has no military themes, beyond the fact that the narrator (evidently a soldier, though this is not explicitly stated) is away from his beloved and recalls her when seeing the plant which has the same name. The theme of the song is based on "Erika" being both a common German female first name and the name of the heather plant (German: Heide, Erika Latin: Erica), of which the heather-yards are considered as a "symbol of German natural heritage". The song was composed by Herms Niel in the 1930s, and it soon came into usage by the Wehrmacht, especially the Heer and, to a lesser extent, the Kriegsmarine. Erika (or Auf der Heide blüht ein kleines Blümelein) is a marching song of the German military. I don't know your exact numbers but from what you wrote it sounds like a dire situation, so you may have to consider major change. To see big improvement, I would recommend focusing on the top two expenses that most people have: housing & food. #Home budget planning worksheets how to#Until you get another job, your other challenge is to figure out how to make due with what you have. (I also just borrow it from the library, so I don't have to spend money on it). It gives you an idea of the kinds of skills and accomplishments to think of that help sell yourself. What I love about their book is that they give advice on various parts of the job hunting process but they also give TONS of examples of solid resumes for practically every field. If you don't show them you doubted the decision, they shouldn't either.Įvery time I job hunt, I refer to this amazing book called Knock Em Dead Resumes. Say they no longer need your care so you are excited to get back into the workforce again. You can explain that your parents fell ill and you knew it was the right thing to do to take care of them. You may be concerned that your employment gap will be a red flag for potential employers, but it won't be if you speak to it with confidence. By doing this, you can a) start to have some money to help alleviate the financial stress you're feeling, b) start plugging up the gap of unemployed time in your resume, and c) doing it part time still gives you some time to look for a full time gig.ĭon't wear your worry to your interviews. If you are really financially strapped, I think a wise strategy is to get a part time job asap first. I know that caretaking is one of those things that is way harder than it seems, so I know you have at least several qualities that would make you a wonderful person and employee.Īs for your situation, I see it as two problems put together, so let's address them each one at a time. I wanted to start by saying that what you did for your parents is absolutely commendable and important. Thank you for dropping a note to say hello! Expressed in Autumn’s colours, dewy somehow feels oily or greasy. Dewy spices, dewy chocolate, dewy rust, these make no sense. Autumn colour is rarely associated with dewy or creamy, or anything that reminds us of clear, thin, and smooth. Spring’s wide-eyed-wonder is not the rhythm of this drum. #Low contrast true autumn skin full#How do these types of natural colours amplify the many gifts they were given?Īutumn colour speaks of full flavours and scenery, both mellow and vibrant. When the images are multiple and repeating, some get switched, causing us to see (or think we see) depth. With two incoming images, one for each eye, the brain has to decide which goes left and which belongs on the right. Examples are geometric (plaid), natural (leaves, paisley), or brushstrokes. Repeating patterns are successful for reasons based in basic biology and optics. It has long been recognized that Autumn-coloured people wear layers successfully, which enhances the visual 3-D effect and gives the appearance of warmth and creativity. The true shape of things may be altered or concealed until the object (or person) is viewed in its real colour(s). A line or style analysis will provide information about the clothing that suits each body type best, but have a colour analysis first. Hence, Instagram.Ī picture is a story, whether a forest or a human being, and colour plays the first and greatest role by informing the viewer through colour per se, as well as its influence on shape and relative proportion. Deep could be synonymous with complex, wise, and penetrating, in the associations our minds make between visual and verbal language. The tendency for light and shiny colour to advance and matte and darker colour to recede generates movement backwards and forwards to feel like depth, texture, and strength. From a social distance, the distance from which we might meet a person or view a work of art, this varied natural landscape, depicted in rich, low intensity tones, has great resonance. #Low contrast true autumn skin skin#The face and skin are often rich in detail, with lines, freckles, layered colours in the eyes, fullness of hair, all creating an overall impression of plush and pile. All faces have these qualities but an Autumn-coloured face appears flattened, like a plate, a distortion that is less evident when faces of other Seasons wear non-harmonious colour. In a face, this type of colour also creates shape and depth, which translates to three-dimensionality (3-D), meaning a distinct front and sides, hills and valleys. The feeling is safe, cozy, and secure, one reason that we don’t put fluorescent overhead lights in our homes. Colours are imbued with particular qualities as a result, appearing rich and warm with emphasis on shape and depth. Co-ordinating your wardrobe is easier and more successful if your choose neutral colours for your more important ‘building block’ items such as suits, coats, blazers, trousers and skirts.In the autumn time of year in the Northern hemisphere or the late afternoon of any given day, light from the sun travels a long distance at a low angle. Your neutral colours are those which mix and match more readily with the others in your palette. Please see below a snapshot of the Autumn season as well as your best neutrals. And your white is a beautiful warm oyster white. Yours blues and greens are rich shades of teal, peacock and turquoise. Your natural overall look is warm, rich and earthy. Soft – Blended colouring and low contrast, mutedĪUTUMN Season’s 3 characteristics of colour are: Light – Little pigment to give a lighter look with no great depth in hair, skin or eyesĭeep – Enough pigment to give depth of colour somewhere, dark hair, skin or eyesīright – Advancing colouring in skin, hair or eyes or high contrast Sunglasses lens tints can be brown, amber, green or peach, rather than pink or blue. Choose glasses frames in brown, tortoiseshell or antique gold, rather than silver or black. Also consider copper, bronze, tortoiseshell, wood, amber, jade, coral, topaz or creamy pearls. Choose antique or old gold especially if worn near the face. Your jewellery and frames should be in warm colourways, not cool to complete your look. Avoid garish colours as well as pale pastels and those with a cold, blue undertone. Imagine an Autumn leaf, beautiful blended shades of greens, browns, oranges and burgundy. Autumns suit different shades of the same colour or in similar blended colours. Autumns looks most harmonious in colours that are dark, medium to bright and slightly warm. My third season in this 4 part season blog is Autumn. You use modes 1 and 2 – which vibrate constantly – when cleansing and you use modes 3 and 4 – which pulse – to massage serums and moisturisers into the skin. I love that there are 4 different vibration modes as it gives you variety when you wash your face or massage products into the skin. After all, you don’t want to hold a heavy device up to your face for extended periods of time. The product feels lightweight and soft in your hand, making handling the device easy. However, the simple look makes me want to use the product more. I think if the device looked more gadget-y, I’d be less inclined to use it.
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