Norma Tanega, “Don’t Touch”

Posted under Life Mortgage by InfoMan on Wednesday 15 February 2012 at 4:45 AM

Artist, composer, singer, songwriter and percussionist Norma Tanega believes that all art is about dilemma and chaos — and about life and death — and she’s quick to admit that in her life she’s seen plenty of both. After earning degrees in art from Scripps College and Claremont Graduate School in 1960 and 1962 respectively, Norma headed east to New York City in a car with a couple of other recent graduates, a suitcase, and a vague idea of making a hit record. In April 1966, “Walkin’ My Cat Named Dog” climbed to number 22 on the US charts. “Every place we played, stadiums, I’d sing my 3 songs and say, ‘God, what am I doing here?’,” she recalls. “I’m educated to be a college professor.” Shortly thereafter Ms. Tanega moved to England, where “Cat Named Dog” was number one. For 5 years she lived in the London of the Beatles and the Rolling Stones, met Bob Dylan — “It was the epitome of cool,” she laughs — and spent most of her time making music. She still says that she liked London better than any place else, but the “chaos and dilemma” eventually chased her back to Claremont. After co-owning an art gallery in Redondo Beach, she lectured as an adjunct for 16 years at California State Polytechnic University at Pomona. And she still makes music, playing a set of ceramic drums made for her by fellow musician and artist Brian Ransom. “I’d die without painting, and I’d die without making music,” she says. “And I couldn’t pay the mortgage without being a teacher.” Among Norma’s

Expense Software Critical Life Insurance

Expat Life in Sri Lanka, Colombo

Posted under Life Mortgage by InfoMan on Wednesday 25 January 2012 at 6:10 PM

I recently visited the wonderful island of Sri Lanka, and found a country full of surprises.

Sri Lanka is situated just south of India, in the Indian Ocean. Once known as the Dominium of Ceylon and often referred to as the tea country, tea plantations abundantly thrive across the island, with spice gardens, banana and coconut palms growing randomly to create a jungle of natural resources.

People, animals and transport seem to co-exist side by side with no animosity towards each other. Dogs wonder aimlessly across or bask in the sun at the side of roads, cows and goats roam around everywhere, even on the beaches (which I found rather amusing) and people are everywhere, whether walking, cycling, using a tuc-tuc, motorbike with 5 astride, in a taxi, bus, car or truck, each takes up a space of the not too wide road. But co-exist they do, there is no anger at being stuck behind a truck, merely a short hooting of the horn to say I am here and would like to pass, politeness abounds and the expression and sounds are all of friendliness, within a country that sorely needs help at redeveloping itself since the tsunami. People are poor and yet happiness is everywhere…. Not just for the child on the hip or the person at their side, but for expats and tourists as well.

Tourists fluctuate towards the resorts and some chance the areas slightly outside of these areas, to experience a quieter less harassed holiday. Small pockets of expats can be found, dotted all over the country. When you bump into these people and chat about life on the island, there is not much to complain about. Yes, sometimes the water gets turned off or the electricity, yes the internet is not as fast as they would like it to be. Isn’t that how most people feel in developed countries anyway: The faster it gets the faster we want it. In this little piece of paradise, expats are not too concerned that it takes a little longer to do things here, the people are prepared to wait, not too hasty to move forward too quickly. There was a lot of talk and concern about the elections and safety within the country and there are still road blockades and police / army personnel with guns wandering around keeping peace if necessary. However, with 70% of the population being Buddhists, the lifestyle is peaceful and life simplistic.

From an expat perspective, I could not fault the lifestyle. As said above, yes there are definite things missing, things are slower, it takes a good 4 – 6 hours to get from Colombo to Galle and similarly to anywhere about 200km’s apart. I cannot say that the roads are particularly in good condition, but in the 10 days that I visited, I did not see one accident. Hardships could include the lack of being able to get from one part of the island to another quickly, the lack of fast internet connection, perhaps the human waste / refuse, which allows for the influx of flies, the dirt which is left to lie around and lastly the lack of funds to rebuild the country to what it was before the Tsunami.

Having said that, I have to look at all the good things that you find there, the beauty of the natural resources, how the nationals and expats are trying to rebuild the country, the beaches, game parks and mountains. This is truly a beautiful part of the world.

Expat Cost of living summary

The currency in Sri Lanka is the Sri Lankan Rupee LKR

The Exchange rate as at 15 January 2010 was $1 = 114.217 Rupees

I am going to break the Cost of living down according to some of the basket items:

Alcohol and Tobacco: Alcohol at Bar, Beer, Cigarettes, Locally Produced Spirit, Whiskey, Wine

Cigarettes (20s) – $3.14 to $9

Domestic Beer(500ml) – $2.50

Imported Beer (330ml) – $5.80

Wine at a bar – $6 a glass

Wine at a shop – $15 (750ml bottle)

Hotels tend to increase the prices of alcohol as it is the one way that they can make a profit. There are many small hotels and restaurants which create a competitive edge to where you can stay.

Clothing: Business Suits, Casual Clothing, Children’s Clothing and footwear, Coats and hats, Evening Wear, Shoe Repairs, Underwear

Casual Long Sleeved Shirt (Men) – $12

Casual Long Sleeved Trousers (Men) – $20

Shorts (Men) – $11

T-Shirt (Men) – $6

Casual Blouse (Women) – $7

Casual Skirt (Women) – $12

Children’s Jeans (Boys) – $5

Children’s Jeans (Girls) – $3.50

Children’s Shirt(Boys) – $5

Children’s Shirt(Girls) – $4

Clothes are extremely cheap, in Colombo a person can get most of the name branded clothing at fairly reasonable prices in Factory shops.

Communication: Home Telephone Rental and Call Charges, Internet Connection and service provider fees, Mobile / Cellular Phone Contract and Calls

Monthly phone rental – $4.36

Phone call rate – $0.05 for a local call

Internet line connection fee – $104 (buy all equipment with installation)

Internet service provider fee – $17 (1 geg free thereafter)

Monthly mobile contract fee – $2.18 (for the year)

Mobile / cellular call rate – 90% of phones are prepaid,

Mobile Phone 100 Minutes Call – $38

- $0.012 – $0.05 sms peak times

Due to so many of the nationals working overseas to send money home, the communication costs are extremely low and there are often special deals or no cost is involved in the actual call.

Education: Creche / Pre-School Fees, High School / College Fees, Primary School Fees, Tertiary Study Fees

Annual Creche fee – $4.36 per month

Annual Primary school fee – $260 – $436 per month

Annual High School fee – $260 – $436 per month

Annual 1st Year Tertiary / University fee – $260 to $436 per month (dependent on which

private school they go to)

Private schooling is the most expensive on the island for expat children to attend, however the rates in comparison to other countries are reasonable. Expats that I came across spoke highly of the education system in the country and were happy with the private education that their children were receiving.

Furniture and Appliances: DVD Player, Fridge Freezer, Iron, Kettle, Toaster, microwave, Light Bulbs, Television, Vacuum Cleaner, Washing Machine

DVD Player – $87

Fridge / Freezer – $489 (LG / Whirlpool – 4 year guarantee)

Iron – $12 cheap to $35 top of the range

Kettle – $20 cheap to $37 top of the range

Microwave – $191

TV 21 inch – $244 (2 year guarantee)

Washing Machine LG – $570

Discounts can be negotiated with stores on all items

Groceries bought in a grocery store: Baby Consumables, Baked Goods, Baking, Canned Foods, Cheese, Cleaning Products, Dairy, Fresh Fruits, Fresh Vegetables, Fruit Juices, Frozen, Meat, Oil & Vinegars, Pet Food, Pre-Prepared Meals, Sauces, Seafood, Snacks, Soft Drinks, Spices & Herbs

Powdered baby formula (400g) – $7

Plain biscuits (100g) – $0.20

Loaf white bread (200g) – $0.70

Cake Flour (1kg) – $2.80

Baked Beans (415g) – $1.92

Tuna (185g) – $2.75

Cheese: Cheddar (250g) – $6.63

Crisps: Pringles (139g) – $2.50

Autowash clothing powder (750g) – $1.57

Dishwash liquid (500g) – $0.87

Clothing Softener (2l) – $5.40

Breakfast Cereal (250g) – $2.45

Butter (227g) – $2.18

Milk (1l) – $1.40

Eggs (12) – $1.80

Orange Juice (1l) – $2.80

Frozen Mixed Vegetables (1kg) – $6.20

Cooking oil (1l) – $3.22

Olive oil (500ml) – $8.28

Can of cola (355ml) – $1.00

Local Fizzy Soft Drink (1l) – $1.30

Local Natural Mineral Water (5l) – $1.08

Tea Bags (200g) – $1.85

Instant Coffee (100g) – $6.75

Local Ground Coffee (200g) – $3.66

Salt (400g) – $0.26

Pepper (400g) – $0.35

Prices were obtained from local grocery stores, there are no big department stores to shop in.

Healthcare: General Practitioner Consultation rates, Hospital Private Ward Daily, Rate, Non-Prescription Medicine, Private Medical Insurance / Medical Aid Contributions

GP Private rate visit with meds – $3.50

Hospital Private ward rates – $28 per day

Dentistry – Tooth extraction – $4.35

Most expats use Bupa or the Sri Lankan Equivalent

Household: House / Flat Mortgage, House / Flat Rental, Household Electricity Consumption, Household Gas / Fuel Consumption, Household Water Consumption, Local Property Rates / Taxes / Levies

Rent 2 bed Apartment City Centre – $700

Rent 2 bed Apartment outside of City Centre – $600

Electricity, Gas, Water, Garbage per – $80 to $90 per month for an average

household, this is expensive when taking household

air conditioning into account

Gas / Fuel – 12 ½ kg bottle – $14

Local property Rates – 8 to 10% of value of property

Expats cannot buy a property directly, this has to be done via a Lawyer who owns the property. Mortgage for locals is 4/5%. This is where most expats find the costs creep in, running the air conditioners is extremely expensive as well as the cost of water.

Miscellaneous: Domestic Help, Dry Cleaning, Linen, Office Supplies, Newspapers and Magazines, Postage Stamps

Domestic Rates – full time per person – $80 average

1 Black inkjet printer cartridge – $14

1 Color inkjet printer cartridge – $21

500 sheets printer paper – $5.23

Local Daily Newspaper – $0.17

International Daily Newspaper – $0.45

International Magazine – $20

International Airmail Stamps – $0.22

Domestic Stamps – $0.12

Domestic help is cheap and most employees either live on the property or close by. Office supplies are reasonable, with CD’s and DVD’s freely available on the street where most locals buy them.

Personal Care: Cosmetics, Haircare, Moisturiser / Sun Block, Nappies, Pain Relief Tablets, Toilet Paper, Toothpaste, Soap / Shampoo / Conditioner

Body lotion (400ml) Vaseline Intensive car – $4.53

Toilet paper 1 ply per roll – $0.50

Toothpaste (200g) – $1.92

Shampoo (200ml) – $2.40

Some of the items that can be purchased can be expensive, like creams, sunblocks and cosmetic creams. Name brand products are the most expensive.

Recreation and Culture: Books, Camera Film, Cinema Ticket, DVD and CD’s, Sports goods, Theatre Ticket

Books paper back – $10

Cinema ticket – $0.50

DVD / CD Imported – $2

Cricket ticket – $0.50 to $8

Theatre Ticket – only in Colombo – $30

Hard cover books are expensive in the country, but paper back books are of a similar cost to the US and UK. Cinema tickets are cheap due to the availability of cheap DVD replicas which can be bought on street corners. International cricket tickets are also kept cheap for the local population.

Restaurants / Meals out / Hotels: Business Dinner, Dinner at Restaurant (non fast food), Hotel Rates, Take Away Drinks & Snacks (fast Food)

Business Dinner excl Alcohol – $22 per person

Dinner / lunch at local restaurant – $8 per person

McDonalds Big Mac – $4.10

Hotel Rates 3* – $8 to $50 pppn

Hotel Rates 4* – $80 to $120 pppn

Hotel Rates 5* – $140 pppn upwards

Take away – Can of cola x 1 – $0.70

Medium pizza – $3.50

Hamburger – $2.00

Coffee – pot x 3 cups – $1.40

As in most countries how much you pay for a meal is dependent on where you go, the local restaurants have great local meals, as well as international flavours, we found a fabulous vegetarian restaurant in Galle, well worth a visit and all prices were fairly cheap. Some restaurants do take advantage of the tourist population and serve sub standard meals. However, most restaurants were good with their portions and meal plans.

Transport: Hire Purchase / Lease of Vehicle, Petrol / Diesel, Public Transport, Service Maintenance, Tyres, Vehicle Insurance, Vehicle Purchase

Hire / Lease car – Sedan Toyota Corolla – $37.14 per day for 1 week

Hire / Lease car – Toyota RAV4 – $46.71 per day for 1 week

Petrol unleaded per litre – $1.23

Diesel per litre – $0.64

Bus Ticket (one way) – $1.00

Taxi Ride – per km – $0.50

Tuc Tuc – 10 km ride – $6.00

Train Ticket 2nd class – $1.57

If you are visiting I would suggest you use the local taxis and tuc-tucs, driving can be a head-ache and unpleasant experience if you are not used to the local norms. However, speeds do not go over 80km on the bigger roads and overall a safe place to drive.

The above detail are some of the items form the basis of the cost of living indexes for each basket group in the Xpatulator calculators, these costs are then used with their indexes and exchange rates to calculate the cost of living in different locations.

For more information on Sri Lanka read more at www.xpatulator.com/outside.cfm.

Fitness Works Learn How To Dj

Samson – “Nice Girl”

Posted under Life Mortgage by InfoMan on Sunday 8 January 2012 at 8:49 AM

Nice Girl by British band Samson 1981 – Shock Tactics: 1. Riding With The Angels 2. Earth Mother 3. Nice Girl 4. Blood Lust 5. Go To Hell 6. Bright Lights 7. Once Bitten 8. Grime Crime 9. Communion Prawling round with beady eyes Mister undercover Late night brawls, street lights call He don’t need a lover Misunderstood by womanhood Mortgage is a millstone Think of lies and alibis to cover up at home Are you alright girl, for tonight girl Just give a little. I’ll give a lot Are you a nice girl, Just-the-type girl You’ve got the drug and I need a shot Seedy hotels, crooked motels Short-time letch, a special Twilight-life as a ten minute wife All so artificial Rejected maligned by all mankind Hypocrictic bullshit Tell me who’s rich, Now who’s the bitch Keep that red light lit When the men come to town When they’re looking in the bars and they’re crawling in the cars and they lay they’re money down When the men come to play When their business day was done and they’re looking for some fun You take their money and you blow them away

Bakugan Collection

Pretty Boy Floyd – Woody Guthrie

Posted under Life Mortgage by InfoMan on Monday 2 January 2012 at 1:12 AM

Woody Guthrie Pretty Boy Floyd The Asch Recordings Vol. 4 (1944) www.woodyguthrie.com

Forschner Knives Scanpan Tapered Roller Bearing

How to Buy Valentine’s Gifts For Your Wife (For Cheap!) – Video

Posted under Life Mortgage by InfoMan on Friday 30 December 2011 at 2:06 PM

www.DadLabs.com – It’s important to honor the new wife in your life with an appropriate Valentine’s gift, but the economy has the dads at DadLabs thinking about inexpensive solutions. In this episode of The Lab, Daddy Clay and Daddy Brad seek out the opinion of moms and give you some great Valentine’s Day gift ideas that won’t break the bank. A handwritten note, romantic music on an iPod playlist, a slideshow with your favorite family photos, and even Valentines day cards are all simple presents that she is sure to love. DadLabs ep 461 brought to you by BabyBjorn. Distributed by Tubemogul. Visit us at: www.dadlabs.com Became a Facebook fan at www.facebook.com Follow us on Twitter: www.twitter.com

Home Closing Get Cheap Car Insurance

Scientology – Circus of the Stars

Posted under Life Mortgage by InfoMan on Thursday 29 December 2011 at 12:00 PM

Haven for the rich and gullible, Scientology is one of the more “unique” cults on the planet. Check it out!

Pets Health Buy Cheap Softballbat

Fixed amount mortgages will be not activity anywhere anon appropriately apprentice how to defended your mortgage

Posted under Life Mortgage by mild on Friday 29 April 2011 at 5:12 AM

Article Source: http://www.articlesbase.com:80/news-and-society-articles/fixed-rate-mortgages-will-be-not-going-anywhere-soon-thus-learn-how-to-secure-your-mortgage-4426214.html

Tags : samsung led tv Frontline Flea Cat

Social Media For Insurance Professionals, Agents & Brokers

Posted under Life Mortgage by mild on Saturday 16 April 2011 at 11:24 PM

www.SocialMediaForInsurancePros.com Get hundreds of life, health & auto insurance leads for FREE in 60 days or less, with the World’s first Social Media Book for Insurance Professionals, Agents & Brokers Statistics source Socialnomics.com

http://www.youtube.com/watch?v=jdJE5C-GLq4&hl=en

My Links : golf shirts Brother Printers utility pump Stereo Mixer

Eye On MDG – Debt Relief Healthcare

Posted under Life Mortgage by mild on Thursday 14 April 2011 at 2:31 AM

Apart from helping poor families get a better life, debt relief funds are also spent on healthcare. At the Minna General Hospital in Northern Nigeria women relate their struggles.

http://www.youtube.com/watch?v=OEAX-sZlAw8&hl=en

See Also : calloway Skin Oil Online Advertisement

Why selecting a Mortgage Protection is important for your ancestors and how

Posted under Life Mortgage by mild on Friday 8 April 2011 at 1:42 PM

A decade is to be end and there isn’t any surety of a stable and smooth economy. The most striking problem in this situation is of job security. A lot of employees were enjoying income from their jobs working in different companies and at the next moment they were fired with the only reason that the companies can not manage the high cost so they cut staff. But again for such people the most shocking thing would be when they came to know that the loss of job can loss their own living home.

Tags : golf shirts Brother Printers Online Advertisement Safety Insurance

Next Page »