In Your Neighbourhood

first_img Cedar Grove, Braeton sent packing Right Stuff suffered their first defeat of the season after they were beaten 300-297 in sudden-death countdown to Correctional Services in a shock result in the City of Kingston Co-operative Credit Union Portmore Domino League last Sunday. Despite the loss, Right Stuff (29 points) maintained the number one position in the league, on points average, over Spit Fyah (29 points), which defeated Highlight Strikers 300-266. In other games, Spring Village thumped Chedwin Strikers 300-259, Ken’s Wildflower beat Garveymeade 300-262, Soursop Tree cut down Memory Lane 300-267, Eradication rushed past Unity Strikers 300-275. The league will take a one-week break and returns on Sunday, March 6. Wayne Cuff Charity Cricket match All roads lead to the Jamaica Defence Force (JDF) playing field, Up Park Camp, for the Wayne Cuff Charity Cricket match tomorrow, starting at 10 a.m. Come and see past West Indies and Jamaica cricketers in action such as Delroy Morgan, Wavell Hinds, Robert Hayes, O’Neil Cruickshank, Courtney Francis, Milton Thomas, Wayne Cuff, Nehemiah Perry, Andrew Richardson, Jamaica Masters champion Domtar Sports Club, Mico Masters, Kensington Masters and May Pen Lion Masters. The Jamaica Domino Federation (JDF), under the leadership of Gerald Stephens, will host a pairs knockout domino competition tomorrow at the Garveymeade Sports Club. Registration is from 11 a.m. and entry fee is $1000 per pair. The winning pair will take home $20,000; second place, $15,000; and third place $10,000. This is a fundraising initiative by the JDF.center_img Jamaica Domino Federation host pairs KO Favourites Cedar Grove and Braeton United were sensationally sent packing after defeats to Cumberland and Racing United, respectively, in semi-final action in the York Pharmacy-sponsored Portmore Division Two knockout football competition at Cedar Grove Sports Complex. Cumberland defeated Cedar Grove 2-1, while Racing’s win over Braeton United was a no-contest as the Gregory Park based club ran out 4-1 winners over Braeton, the side that took home the midseason title. The final will be played between Cumberland and Racing United on Sunday, March 6. Meanwhile, the league semi-final will take place tomorrow at the Cedar Grove, playing field. Fourth ranked Cumberland tackle top seeds Braeton United at 1 p.m., while at 3 p.m. Edgewater oppose Cedar Grove. Right Stuff scolded by Correctional Serviceslast_img read more

GALLERY: PH begins campaign in Fiba 3×3 World Cup

first_imgPhoto by Tristan Tamayo/INQUIRER.netPhoto by Tristan Tamayo/INQUIRER.netPhoto by Tristan Tamayo/INQUIRER.netThe Mongolians take down the hosts. Photo by Tristan Tamayo/INQUIRER.netPhoto by Tristan Tamayo/INQUIRER.netPhoto by Tristan Tamayo/INQUIRER.netPhoto by Tristan Tamayo/INQUIRER.netPhoto by Tristan Tamayo/INQUIRER.netPhoto by Tristan Tamayo/INQUIRER.netPhoto by Tristan Tamayo/INQUIRER.netPhoto by Tristan Tamayo/INQUIRER.netPhoto by Tristan Tamayo/INQUIRER.netPhoto by Tristan Tamayo/INQUIRER.netPhoto by Tristan Tamayo/INQUIRER.netPhoto by Tristan Tamayo/INQUIRER.netADVERTISEMENT Jury of 7 men, 5 women selected for Weinstein rape trial China population now over 1.4 billion as birthrate falls Sports Related Videospowered by AdSparcRead Next Volcano watch: Island fissures steaming, lake water receding View comments FEATURED STORIESSPORTSGinebra beats Meralco again to capture PBA Governors’ Cup titleSPORTSAfter winning title, time for LA Tenorio to give back to Batangas folkSPORTSTim Cone, Ginebra set their sights on elusive All-Filipino crown Jiro Manio arrested for stabbing man in Marikina Dave Chappelle donates P1 million to Taal relief operations Steam emission over Taal’s main crater ‘steady’ for past 24 hourscenter_img Lacson: Calamity fund cut; where did P4 billion go? Winfrey details her decision to withdraw from Simmons film Carpio hits red carpet treatment for China Coast Guard PLAY LIST 02:14Carpio hits red carpet treatment for China Coast Guard02:56NCRPO pledges to donate P3.5 million to victims of Taal eruption00:56Heavy rain brings some relief in Australia02:37Calm moments allow Taal folks some respite03:23Negosyo sa Tagaytay City, bagsak sa pag-aalboroto ng Bulkang Taal01:13Christian Standhardinger wins PBA Best Player award Lights inside SMX hall flicker as Duterte rants vs Ayala, Pangilinan anew MOST READ 4th time’s the charm: Halep tops Stephens to win French Open Don’t miss out on the latest news and information. LATEST STORIESlast_img read more

Local tourist centre wins award for promotion idea

first_imgA simple postcard has won the Fort St. John Visitor Information Centre a coveted award at a tourism gala this week. On Tuesday, spokesperson Deanna Hill accepted the ‘Northern Promotion Award’ at the Northern British Columbia Tourism Association’s AGM in Prince George. Hill says the prize was awarded for the local tourist centre’s ‘Postcard Program’ developed earlier this year. – Advertisement -[asset|aid=2037|format=mp3player|formatter=asset_bonus|title=646e98ce941b71adea46f69a222ea4b1-Hill 1_3_Pub.mp3] Postcards included the location and picture of the Centre. Tourists received a souvenir pin when they filled out their information. [asset|aid=2038|format=mp3player|formatter=asset_bonus|title=646e98ce941b71adea46f69a222ea4b1-Hill 2_2_Pub.mp3] Advertisement Most of the tourists that took part in the program came from the Charlie Lake RV and Leisure Park. Around 125 postcards were filled out. Hill says that number under-represents the number of tourists involved, as most families would only fill out one card. Meanwhile, Dr. Charles Helm of Tumbler Ridge won the Walter Smith Visionary Award, for his contributions to tourism in Northern B.C. Helm is the town doctor. He also is an author, trail builder, marathon organizer and runner, and avid supporter of the dinosaur discoveries in the area.last_img read more

THE HOOPS REPORT: McCOURT ON SCORESHEET AS CELTS THRASH HEARTS

first_imgDERRY ‘Pele’ Paddy McCourt was on the scoresheet as Celtic beat Hearts 4-0 at Parkhead tonight.Anthony Stokes scored twice as Scottish Premier League leaders Celtic halted the Hearts title bandwagon.James Forrest’s brilliant 15-yard drive put the home side in control after just seven minutes of an impressive display. Stokes curled in a delightful free-kick eight minutes after the break.The Irishman broke clear to score after 71 minutes and Paddy McCourt added a close-range finish to firmly end third-top Hearts’ 11-match unbeaten run.Celtic themselves have now stretched their own unbeaten run to 11 games and moved 10 points clear of the Edinburgh side.The only downside to the night was Rangers won 2-0 against Hibernian at Easter Road, but tonight Celtic are five points clear of their Glasgow rivals. THE HOOPS REPORT: McCOURT ON SCORESHEET AS CELTS THRASH HEARTS was last modified: January 26th, 2011 by gregShare this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on LinkedIn (Opens in new window)Click to share on Reddit (Opens in new window)Click to share on Pocket (Opens in new window)Click to share on Telegram (Opens in new window)Click to share on WhatsApp (Opens in new window)Click to share on Skype (Opens in new window)Click to print (Opens in new window)last_img read more

1870s L.A. visionary too far ahead

first_img Otherwise, his mission was a fiasco. Financiers wouldn’t market stock in his corporation. Potential health seekers found Los Angeles as a health resort unappealing when Shaw admitted that his hotel was unbuilt, no suitable facilities yet existed, and the accommodations available were second-rate. Back home, the personal magnetism with which he convinced the city fathers that the project was feasible vanished when he left San Pedro. In his absence the directors quietly decided to abort the project, forcing him to pay most of the cost. Shaw returned to Los Angeles in early 1874, a bitter, impoverished man. He still believed that Europe had great promise as a market for the region’s agriculture, that the Los Angeles climate was ideal for health seekers, and that the city needed a technical school. He was right on all counts, but ahead of his time. Before the decade was over, other entrepreneurs built the great Sierra Madre Villa, symbol of the region’s health resort industry. Southern California farm and industrial products soon found overseas markets. And in the early 1880s the forerunners of what became the University of California, Los Angeles, and the University of Southern California were established in Los Angeles. Schwarzenegger may have more immediate success, but Shaw, Southern California’s forgotten dreamer, paved the way. Ralph E. Shaffer is professor emeritus of history at California State Polytechnic University, Pomona. Write to him by e-mail at reshaffer@csupomona.edu.160Want local news?Sign up for the Localist and stay informed Something went wrong. Please try again.subscribeCongratulations! You’re all set! AD Quality Auto 360p 720p 1080p Top articles1/5READ MOREBlues bury Kings early with four first-period goals Shaw was no fly-by-night. Farmers and ranchers knew him through his weekly column on California agriculture in The Pacific Rural Press. The Express enthusiastically backed Shaw, urging growers and manufacturers to send samples of their goods with him to Europe. While Schwarzenegger spent six days in China, Shaw worked European investors and markets for six months, mostly in the British Isles. Like the governor, he met with leading political figures, toured model farms and spoke to civic groups. The governor may not have handed out California products, but Shaw did. He was particularly encouraged by British reaction to his offerings of citrus fruit. By chance, he had encountered Joseph Wolfskill aboard ship after leaving San Pedro. Wolfskill, whose family was the leading citrus producer in Southern California, was taking boxes of oranges to San Diego. He palmed some of them off on a reluctant Shaw, who thought they would spoil as he went through Panama. But the oranges arrived in Britain in almost perfect condition after a month in transit, much to the delight of Shaw’s British contacts, who praised the California fruit. Gov. Arnold Schwarzenegger returned triumphantly this week from a six-day trade mission to China. Unfortunately, a similar venture by a 19th-century Angeleno didn’t end that way. In China, Schwarzenegger represented a state with 36 million people and an economy that would rank sixth in gross national product. When Frederick M. Shaw embarked in 1873 on a comparable mission to Europe, he represented a sleepy cow town with 6,000 residents. Nearly 100 government officials and representatives from the nation’s leading corporations escorted the governor at a staggering but unannounced cost for the week. Shaw went alone, accompanied only by boxes of Southern California agricultural products. His half-year expenses ran just over $1,000. But he left Los Angeles with the endorsement of the city’s major daily newspaper, The Express, and the backing of its most prominent residents. A few days before he boarded ship at San Pedro, he organized the Southern California Sanitary Hotel and Industrial College Association. His company would promote the region as a health resort, erect a first-class sanitarium, encourage foreign purchases of Southern California’s agricultural produce and open a technical college. last_img read more

DONEGAL YOUTH ORCHESTRA’S STUNNING NATIONAL CONCERT HALL PERFORMANCE

first_imgThe Donegal Youth Orchestra with their conductor Mr Vincent Kennedy performing at the National Concert Hall, Dublin, on Saturday past as part of the 19th Festival of Youth Orchestras.Membership of the orchestra comes from throughout the County of Donegal.The orchestra played pieces by Beethoven and Bizet, as well as five movements from Mr Kennedy’s The Happy Prince Suite. A large crowd packed into the concert hall to hear the 60 members of the Donegal Youth Orchestra as well as performers from Galway, Wicklow and Tipperary.Photo: Donal GlackinDONEGAL YOUTH ORCHESTRA’S STUNNING NATIONAL CONCERT HALL PERFORMANCE was last modified: February 10th, 2014 by John2Share this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on LinkedIn (Opens in new window)Click to share on Reddit (Opens in new window)Click to share on Pocket (Opens in new window)Click to share on Telegram (Opens in new window)Click to share on WhatsApp (Opens in new window)Click to share on Skype (Opens in new window)Click to print (Opens in new window) Tags:Donegal ETBdonegal youth orchestraNational Concert HallVincent Kennedylast_img read more

CRIME ALERT: INTERNET SCAMMERS LAUNCH TAX REFUND SCHEME

first_imgCRIME ALERT: A number of people in Donegal have been the victim of a fraudulent online Tax Refund scheme.Michael Coll, owner of The Tax Clinic has contacted Donegal Daily to circulate the information to readers about the on-going scam that has already caught out a number of people.People have received e-mails linking them to a bogus website which looks like a legitimate Revenue website. The scam artists then instruct people to submit their personal details in order to claim back the tax.Michael Coll told Donegal Daily,”We have been contacted by a large number of people this morning who are receiving emails telling them that they are due a Tax Refund.“They are asked to click on a link that directs them to a website that looks like the official Revenue.ie site.“They are then asked to input Debit/Credit Card details including pin numbers and also personal information such as Dates of Birth and current address. “Revenue never contact individuals via email or ask for personal information like this and the emails are a complete scam.I would advise your readers to simple delete the emails and ensure their anti – virus software is up to date.CRIME ALERT: INTERNET SCAMMERS LAUNCH TAX REFUND SCHEME was last modified: April 22nd, 2015 by Mark ForkerShare this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on LinkedIn (Opens in new window)Click to share on Reddit (Opens in new window)Click to share on Pocket (Opens in new window)Click to share on Telegram (Opens in new window)Click to share on WhatsApp (Opens in new window)Click to share on Skype (Opens in new window)Click to print (Opens in new window) Tags:Home-page NewsinternetMichael CollscamSchemeTax RefundThe Tax Cliniclast_img read more

The Moon Kills Visitors

first_imgChina’s experiment to grow plants on the moon failed in one day.So close to the green planet Earth, with its lush habitats filled with thriving organisms small and great, our moon is no place for life. Astronauts can only survive for short periods protected by bulky spacesuits. Now, an experiment to try to grow plants on the moon failed soon after the seeds sprouted.At first, news media were exuberant that China’s latest moon lander named Chang’e 4, which landed January 2 on the lunar far side in a space first (Space.com), sprouted seeds in a special experiment. On January 15, the BBC News announced with hope and fanfare, “It marks the first time any biological matter has grown on the Moon, and is being seen as a significant step towards long-term space exploration.” Of course, special protections had to be given the cotton seeds:The organisms inside have a supply of air, water and nutrients to help them grow. But one of the challenges, say Chinese scientists, is to keep the temperature favourable for growth when conditions on the Moon swing wildly between -173C and 100C or more.They also have to control the humidity and nutrients. Some have raised the question of whether the experiment risks “contaminating” the Moon with biological material, but scientists generally think this is of little concern.Alas, by the next earth day, the little sprouts had all died. “Those Tiny Cotton Sprouts China Grew on the Moon? They’re Dead Now,” wrote Rafi Letzter at Live Science.Yes, the plants were stunted compared with the earthbound control plants. But they had just survived a space launch and difficult journey to the moon, and were growing in the low gravity and high radiation of extraterrestrial space. They were the first plants ever to grow on the lunar surface. None of the other species that made the trip with them showed any similar signs of life.Now they’re dead. And it’s all the moon’s fault.At New Scientist, Sam Wong bemoaned the short experiment. “Goodbye, moon garden, we hardly knew ye.” One lunar night was enough to do them in. Letzter says, “the cold shock to the cotton was likely brutal and sudden.” He explains,As night fell on the region of the far side of the moon where Chang’e-4 sits, temperatures plunged in the 5.7-lbs. (2.6 kilograms) mini biosphere. Hanlong reportedly said that the temperature inside the chamber had fallen to minus 62 degrees Fahrenheit (minus 52 degrees Celsius), and could continue to plunge to minus 292 degrees F (minus 180 degrees C). The experiment is effectively over, as the lander has no onboard mechanism for keeping the experiment warm without sunlight.Jim Irwin in “Moon Rovers” by the late Apollo 12 astronaut Alan Bean. Used by permission.How Different the Earth!The moon is at the same distance from the sun as earth, but lacks any atmosphere or water. Those and the absence of a magnetic field expose the moon to the onslaught of solar wind, cosmic rays and the untempered heat from the sun and the cold of space. Here are some of the factors that will make any long-term moon survivability challenging:Excessive heat in daylight, up to 212° F.Excessive cold at night, down to -280° F.Wild swings of 500 degrees between day and night.Exposure to cosmic rays.Exposure to the solar wind, impacting at high speed because of no magnetic field.No liquid water, although some ice might exist in shaded polar craters.No atmosphere.Lack of essential minerals and nutrients for life.Charged lunar dust that moves like bullets around the surface.Meteoritic dust, micrometeorides and large impactors moving at unmitigated speeds without an atmosphere.There are some hardy organisms that might survive on the moon for a time. “Deinococcus radiodurans is an extremophilic bacterium, one of the most radiation-resistant organisms known,” Wikipedia says. “It can survive cold, dehydration, vacuum, and acid, and is therefore known as a polyextremophile and has been listed as the world’s toughest bacterium in The Guinness Book Of World Records.” Water bears (tardigrades) are tiny arthropods that have been found to endure the vacuum of space for extended periods. On such an inhospitable surface at the moon, however, long-term survival for growth and reproduction of these extremophiles is highly unlikely, and certainly no evolutionists believe that these organisms originated there.A human astronaut would not survive more than a few seconds if his spacesuit tore or faceplate shattered (watch astronaut Chris Hadfield describe what happens to an exposed astronaut in space on YouTube). Because of the solar wind, a human outpost on the moon would probably have to be built underground, perhaps inside one of the lava tubes known to exist. And they would have to bring tons of earth habitat with them, even if it is granted that a few materials could be mined from the lunar surface. The only astronauts who have been there complained about the intense glare of the sun and the dust that got into everything. Because of the temperature extremes, they were only stay during brief hours of the lunar day when the temperature was tolerable.About the only thing the moon has going for it is low carbon emissions. Global warmists might like that.This is important to remember when futurists talk about the moon as a launching pad to Mars and other star systems. We hope a permanent colony can be built for scientific reasons, but don’t expect anything like a self-sustaining city any time soon. The moon could not be terraformed, because an artificial atmosphere would be stripped away, and organisms would be exposed to high mutation rates from charged particles. In addition, the constant influx of meteoritic material would be an unmitigated rain of death.CEH supports space exploration. One great reason is that every new finding reinforces our awe at how incredible special the Earth is designed for life.(Visited 527 times, 1 visits today)FacebookTwitterPinterestSave分享0last_img read more

Archive Classic: Where Do Gems and Precious Metals Come From?

first_imgReprinted from September 17, 2011Gold, diamonds, and other precious metals and gems… they are found close to the surface of the earth where humans can mine them and make jewelry.  But they shouldn’t be there.  Heavy elements should have sunk deep into the core of the Earth soon after it was formed.  Wait till you hear some of the latest ideas about how precious metals and gems arrived near the surface.  Maybe they shot up from the mantle.  Maybe they came from outer space.The fact is, geologists and planetary scientists don’t really understand why we have rare precious stones so accessible for man.  PhysOrg printed an article entitled, “Tackling mysteries about carbon, possible oil formation and more deep inside Earth.”  It’s about the Deep Carbon Observatory project destined to answer fundamental questions about the Earth’s interior.  Inside you will learn about how diamonds the size of potatoes shoot up from the mantle at 40 miles per hour, believe it or not.  However it happens, it’s convenient for miners, who otherwise would have to dig really, really deep holes to supply the wedding ring market.MSNBC posted an article about where gold comes from.  “There’s gold in them thar meteorites!” the headline blazes.  Jessica Marshall tells us, “Rocks pummeled Earth about 3.9 billion years ago, delivering precious metals.”  Gold, platinum, iridium, nickel, and tungsten are attracted to iron and should have followed it into the molten Earth’s core, she explained.  Meteorites to the rescue!  They came from space.  That’s right: “All the precious metals that we find today — and probably also water — have been introduced to the accessible Earth from these late-stage meteorites.”  Maybe they even brought life!  Figure that suggestion out after reading that the bombardment was probably “a terrible event for life” that “probably would have melted the planet, blown off any existing atmosphere.”Marshall used the new theory to bolster an old idea called the Late Heavy Bombardment.  She reported a new study about tungsten isotope measurements to support the idea of a swarm of big meteors hitting Earth and the moon 3.8 and 4 billion years ago, but the obvious subtext is the ignorance of geologists about earth history.  “Geologists have posed several theories to explain this puzzle,” she noted about precious metals.  Careful reading shows the Late Heavy Bombardment to be only an idea, a suggestion.  Interesting as isotope comparisons are, they don’t provide a time machine.  And saying that the age of Earth’s tungsten matches the dates of craters on the moon calibrates two questionable dates against each other.  Nothing in the article provides evidence that meteorites are made of gold.  It seems to move the question of the origin of precious metals from one body to another.When all else fails, bring in a meteorite.  When you can’t explain the moon, bring in a Mars-size meteorite to blast the Earth.  When you can’t explain Earth’s oceans, imagine a giant water balloon comet to bring it special delivery.  Meteor crashes are too convenient; they are the imaginary can openers that open any can for the hungry hobos.  “Assume a can opener” makes the rest easy.  Assume a meteor.  Need water?  Bring in a water meteor or comet.  Need gold?  Send in a gold meteor.  Imaginary theory-saving devices to the rescue!  Try that with your credit card debt.(Visited 391 times, 1 visits today)FacebookTwitterPinterestSave分享0last_img read more

Financial Tips for Creative Professionals

first_imgIn this post we share a few guiding thoughts for creatives on how to grow your business by being smarter with your money.Financial intelligence is crucial to all aspects of ‘making it in life’ but it is not something you’re born with.  Thankfully it is something you can learn. Knowing how to be smart with your money can provide financial security, setting you on a path to success and happiness.Creatives are notoriously bad at handling their money, but with a little discipline and forethought, anyone can be smarter with their hard earned cash.  In this post, we’ve outlined a few financial strategies specifically geared toward creative professionals.Photo from Flickr.Grow Your AssetsIn his book Rich Dad, Poor Dad Robert T. Kiyosaki spells out all the things he thinks rich people teach their kids to help them stay rich. I’m in two minds about some of the contents of the book but there is one really helpful salient point that it worth learning:Buy assets not liabilities.The basic difference that Kiyosaki suggests exists between the poor/middle classes and The Rich, is that The Rich buy things that make them more money, while the middle classes just buy more stuff – a new car, house, sofa etc. So the idea is that you should spend your money in things that will make you more money and then keep going round in that virtuous circle until you can buy that new car, house, sofa with some of the profits from your investments.  Buy assets (things that will put money in your pocket) and not liabilities (things that will take money out of your pocket).So what are assets for a creative?Investing in further training, new software or equipment can be real assets, but only if you know they will pay their way. The danger for imaginative creatives with a lust for the latest technology is that they can buy things (in a ‘middle class’ way) that they think they need but in reality they just really want. So if you never get around to watching the training or using the new expensive equipment on paying gigs, they are in fact just liabilities.The best way to avoid this pitfall is to find a customer first. Find someone (or hopefully several people) who are willing to pay you for knowing a new piece of software or using a specific piece of technology, then make the investment that you know will give you a good return.Other assets for creatives are the same as they are for anyone else – put your money into anything that will grow over time –  property, enterprises and people.Be OrganizedPhoto from SquidooAnother really important thing to learn is to be organized with your money. If you’re a creative freelancer you’ll be getting paid gross. This (as you well know) means you’re responsible for paying your own taxes. You can save yourself a lot of headaches by being organized with your money and the moment you get paid, setting aside the percentage you’ll need to cover your taxes.It’s vital that you move this into a physically separate bank account from the one you live out of. If you leave it in there it will just get spent. This way you’ll always have the money you need to pay your taxes in full and on time. Plus once the sums are all done, you could end up with some left over, to invest back in new assets. As a freelancer in the UK I put aside 30% of my gross pay to make sure I can cover my taxes come year end.  This is just a suggestion and your accountant should be able to advise you on what you need to set aside.Some people recommend a 70/10/10/10 philosophy of money management. Save 10 percent of your take home pay, invest 10 percent, give 10 percent and then live on the rest. Personally I think this makes a lot of sense. What would that look like in your life?Check out this article for a real world example of the 70/10/10/10 model in action.Be ThriftyWhen you talk to most people about budgets, especially ones that are about their day to day expenses and not how much they’re about to get out of the production pie, their eyes tend to glaze over and their mind shuts down.People think budgets are boring…and they are.They are not supposed to be exciting, they are just a means to an end. The end is what is supposed to be exciting and that end might be a new house, holiday or a sofa (you are allowed to buy them and be part of The Rich – but only with your profits!). So don’t think about how you’re budgeting, think about the exciting end that your budget is taking you to. Without a budget you’re basically flying blind, so you must have one. Luckily there’s only one rule to budgeting which is:Spend less than you make.If you’re not earning much, then you need to get creative with spending less, finding ways to make what you do have go further and of course, making more money. The first step is to find out what you’re spending and where its going, so you can make some wise choices about how best to budget your finances.Another important aspect of being thrifty is to simply make do with less or to buy second hand if you can. You’ll obviously save a lot of money although you won’t have access to manufacturers warranties or support. If you are buying something expensive always ask if you can pay in instalments to help spread the cost over time.  With any business: cash flow is king.Do some quick calculations to see how many projects you’d have to land  by adding on an equipment charge, to pay off an item.  Then calculate what kind of profit you could make from that piece of equipment within its working lifetime. These figures should help guide your thinking as to whether your current customer base can support that purchase.Are you a creative professional that has ‘budgeting’ down pat? We want to hear your financial advice!Share your thoughts and suggestions in the comments below!last_img read more