19 North- Build Stronger Communities and Grand Lifestyle!

Dimple Group is one of the leading developers within the suburbs in Mumbai. It was established in 1997.The group has developed several commercial and residential projects with a view to cause a revolutionary change within the development sector. A reputable company with 20 years in land with strong execution of several projects. It holds the record of delivering homes before time with high construction quality. It’s got strong financial strength and high corporate governance.

re and features to supply a cushty living. The project covers nearly 0.53 acres of land.

19 North Codename comprises 173 units. 19 North provides amenities sort of a jogging track, landscaped garden, gymnasium, multipurpose hall, indoor games area, lifts, and lots of more.19 North offers apartment including

Dimple’s Group latest offering “19 North” provides the only connectivity to all or any or any essential locations. Metro Station, railway station , Schools, Colleges, Hospitals, Malls, Shops, Markets, Banks, Parks. Incredible Affordable Living. Your Budget Homes with all the fashionable Luxuries.

The project offers apartments with the right combination of up to date architecture 1 BHK, 2 BHK. Apartment, as per the area plan. The property is under construction.

Dimple 19 North is an ideal location and they also have a home down payment assistance program linked to the project. For more information visit – https://homecapital.in

19 North in Kandivali is a residential project by Dimple Group. The project offers apartments with the perfect combination of contemporary architecture and features to provide a comfortable living. The project is spread over nearly 0.53 acres of land. 19 North comprises of 173 units.

19 North provides amenities like a jogging track, landscaped garden, gymnasium, multipurpose hall, indoor games area, lifts, and many more.

A reputable company with 20 years in real estate with strong execution of several projects
Record of delivering homes before time with high construction quality
Strong financial strength and high corporate governance
Dimple Group is one of the leading developers in the suburbs in Mumbai. It was established in 1997. The group has developed several commercial as well as residential projects with a view to bring about a revolutionary change in the construction sector.

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How to perfectly roast a Thanksgiving turkey?

Whether you are dining in at home with family and friends, or going out for a meal for Thanksgiving, roast turkey is certainly the staple of the day. So how can you make the perfect roast turkey that would be the envy of all your dinner guests?

If you are going out for a meal, then it would no doubt be cooked by a professional chef, decked out in his or her fancy chef coat and apron (chefs prefer to wear hardy denim aprons for tasks such as these!), but how can you get the same taste and effect at home? Here are some tips from professional chefs on how to perfectly roast your Thanksgiving turkey.

The perfect turkey should be both well roasted, flavorsome and juicy as well, as well as being extremely aromatic., after all, it is the centerpiece of your Thanksgiving dinner table, right?

One piece of advice given by professional chefs is to plan out your cooking process early on, because you don’t want to overcook your bird as that would dry it out. Don’t forget to let it sufficiently thaw before you start your preparations, and this thawing time will need to be added to your timing for roasting the turkey.

A frozen store-bought turkey does not need brining, as it would simply be a waste of time, all you need to do is take it out of the packaging and dry it with some paper towels. Never wash a turkey or chicken because it causes contamination. Once your turkey is dry, rub seasoning and herb-butter all over it, so that the skin becomes nice and brown. Don’t forget that you should never cook the stuffing inside the turkey, but make it separately and then stuff the bird.

The bird should be kept on a low heat in the oven for approximately 5 hours, and you can keep checking it with a thermometer to see if it is cooked through. Once completely done, let it rest before serving.

CR PRIMO- Luxury Coming Your Way!

Mumbai’s residential project, CR Primo is offering property purchasable in Bhandup West. CR Realty, headquartered in Mumbai, made an entry into the important estate business in 2013. A young and professionally managed organization, CR Realty will specialise in projects spanning across asset categories. Under its present growth plans, it plans to develop Grade A projects in Bangalore, Pune and Mumbai. CR Realty runs functions on modern technological systems, contemporary management practices and employs knowledgeable teams with extensive functional experience across disciplines.

CR Realty is one among the leading developers within the Western Suburbs. It’s headquartered in Mumbai and was established in 2013. The corporate develops world-class projects in Bangalore and Mumbai. The group believes in providing world-class land solutions working in tandem with leading architects and designers. A few of its upcoming projects in Bangalore are The Hamlet, a luxury residential project in Sadashiv Nagar and therefore the giant sequoia , a multistoried residential development in Jayanagar. Vesta Villas, an exclusive villa development at Alibaug, near Mumbai and PRIMO, residential project in Bhandup, Mumbai.

The project Primo offers apartments with the right combination of up to date architecture and features to supply a cushty living. The project covers nearly 0.65 acres of land and has 60% of open space. It consists of two towers of 17 floors each. Primo comprises 131 units. Primo provides amenities like a clubhouse, swimming bath , kids pool, jogging track, amphitheater, jacuzzi, video door security, sewage treatment plant, garden, multi-game courts, gymnasium, meditation and yoga area, multipurpose hall, and lots of more.

Young families with children will love the youngsters Play Area, nearby aside from the swimming bath . The property has Fire Fighting Systems, Fire Protection And Fire Safety Requirements alongside being an Earthquake Resistant Structure. Bhandup West is well-connected to other parts of the city by road, which passes through the guts of this suburb. Prominent shopping malls, movie theatres, schools, and hospitals are present in proximity to this residential project. Own a range in CR Primo today!.

The Online Video Spokesperson Presents A Personal Touch

Just when you think you can’t get any more interactive with Flash, DHTML and other dynamic tools available on the web today something else comes along to add new meaning to the word “interactivity”. The latest buzz in web technology is Online Video Spokesperson. Online Video Spokesperson Technology gives the viewer the illusion that someone in front of the screen is talking directly to them. It somehow emulates the experience we have when watching a weather forecast. A weather man/woman is standing in front of a screen with a graphic representation of the weather on it and he/she explains what is happening. Online Video Spokesperson gives the web that personal touch that is as yet unrivaled.

Online Video Spokesperson is a method for providing live motion video that plays over the top of any existing website in fluid presentation without being restricted to a media player window. This amazing new technology allows internet marketers and web entrepreneurs to update, announce or present their products and services in a captivating, engaging manner that affects the buying decision of the consumer through personal interaction.

This new technology allows a real person to walk out over the top of an existing Flash or HTML based web page and deliver a promotional message, special offer or company information and direct them to your particular “call to action”. There is no need to redesign the existing site in order to accommodate this feature. This tool virtually eliminates the need for headlines and catch phrases. What could be more effective than someone actually telling you what is important?

With millions of sites all over the world trying to catch attention, it is very difficult to keep visitors in one site for more than 3 minutes. Keeping the visitor for longer than that is an achievement in itself. Getting the same person to visit different areas of your site is the real challenge. If you are an online merchant such as Amazon.com, how can you sell if you’re visitors don’t stay long enough to look through your products?

Did you know that the television industry’s key income generator is paid advertisements? And how do they make sure these advertisements are seen? They show blockbuster movies, game shows, soap operas, news, etc. Online Video Spokespersons function much the same way as these methods used by television networks to entice viewers.

Seeing a person moving around the screen provides the illusion of that person being in the same room with you and in front of you. An Online Video Spokesperson automatically raises interest in the site and has the effect of the viewer or browser to want to see more. It’s very effective as an eye-catcher.

Online Video Spokesperson is a marketing tool that gives visitors of a website that much needed person touch that is found lacking in most websites today. Consumers on the web need to feel that the online company they are thinking of giving their business to is sincere and is able to give them the best service they can provide. An Online Video Spokesperson gives that much needed assurance.

The Importance of an Effective Homepage – How to Present Dynamic Website Content

Looking for a way to attract more attention to your website? Offer a fresh face and new content on a regular basis and you’ll find people will check back to see what’s new and you’ll have a tool to measure what attracts and what doesn’t. Here’s how to do it.

Your website homepage is your front door through which online browsers come to visit your business. Static, never-changing content is no more interesting to a returning visitor than a book they have already read. To keep your audience captivated and coming back you need to make your home on the web inviting and interesting.

Present a Dynamic Home Page

One way that you can present changing home page content is to design ten to twelve unique pages with different content and then rotate them every month. Take a couple of weeks to design different ideas and images. Create page promotions that include a message that is timeless or that has a seasonal or timely announcement such as “Holiday Specials.” When you consider different features for your home page and when it should be placed you’re forced to look closely at at your marketing strategy over a one year period. This will save you a lot of time since you then won’t have to think about your content through the year. It also allows you to plan your offers and gather the necessary content.

A web developer can put your home pages on a rotating script or use an automatic timer. You can then rotate your home pages to highlight a new tip every month or to promote a featured product. The home page of your website is much like the front cover of a magazine. People want to see a home page that has different photos and content at least every month, preferably every week. You won’t want all of the content of your website to be featured on the page as this will overwhelm your website visitors. So choose one or two features to highlight each month. The rest of your website content should be well organized within the rest of the pages of your site. When you’re ready to update your home page you simply grab content from your internal pages. This way you’re not having to create new content. You’re just reorganizing your existing content so that it feels new to your visitors.

Don’t Change Your Home Page Too Often:

Even though you want your website to be new and dynamic you also don’t want to change it too often. People take comfort from their favorite websites and want them to be familiar. If you change your home page too often or too much you may create confusion or give people the feel that someone else has taken over your site. You could also compromise your positioning in search engines. So maintain some consistency.

When you make changes to graphics or content it shouldn’t make a major change to the way your website looks and feels. Regular visitors should be able to find the same information that they’ve always found on your home page and in the same place. As a rule, the headers and navigation tools on your page shouldn’t ever change without a complete redesign and announcing that to your visitors. Change content and images with other content and images while maintaining the sites original functionality. Home pages that are consistent lend a feeling of comfort to users. If your customers learn to expect consistency they’ll also learn to rely on your quality customer service. If you’re a small online business, gaining your customer’s trust is your most important step to success.

The Benefits of a Flexible Home Page

A flexible home page lets you test your off line marketing efforts. Before you spend money on a magazine or newspaper ad you can test it out on your website. You’ll be able to see how people react to the ad. It will let you determine which featured products attract the most interest. You can also determine which graphics generate the most attraction. Web analytics software (Google Analytics is great and free to use) can provide you with this type of information. It will help you obtain marketing data that is detailed and precise. You can see which graphics people have clicked on as well as what web page they were on just before they left your website.

Once you’ve mastered the technique of updating your home page, while at the same time keeping the core content the same, you’ll be well on your way to recognizing the benefits of a flexible home page.

Black People Past And Present

Over the years there have been many great black leaders News Makers. This fact has caused me to wonder if there was one dominant trait that separated them from others. With that question in mind I decided to find the dominant trait that was present in some of Americas top Black News Makers past and present after which I put those traits into a test so people can see if they posses these same News Maker traits. The test is located at Blacknews4us.com but don’t go yet first read the article.

Harriet Tubman was a runaway slave from Maryland who became known as the “Moses of her people.” Over the course of 10 years, and at great personal risk, she led thousands of slaves to freedom along the Underground Railroad, which was a secret network of safe houses where runaway slaves could stay on their journey north to freedom. Her Dominating Leadership trait would have to be Organization. Close your eyes and Imagine for one minute living your whole life and never laying foot off your owner’s plantation. Do you really think you would have been able to get from Virginia to Canada if Harriet Tubman did not create spend much of her time planning and organizing the routes.

Next up we have William Loyd Garison and I know most of you are saying that man is not black but neither is Bill Clinton who like Garrison did so much for Black people that many have called him the first Black President. Garrison was really good friends with Harriet Tubman naw I know what you are thinking it wasn’t like that they were both just friends in the struggle. For more than three decades, from the first issue of his weekly paper The Liberator in 1831, until after the end of the Civil War in 1865 when the last issue was published, Garrison spoke out eloquently and passionately against slavery and for the rights of America’s black inhabitants. In 1832 he helped organize the New England Anti-Slavery Society, and the following year, the American Anti-Slavery Society. These were the first organizations dedicated to promoting immediate emancipation of slaves. Garrisons Dominating Leadership trait was courage.

OK Now Lets go to Frederick Douglas who probably had only one page or maybe just a paragraph devoted to him in your 8th grade history class. Well Frederick Douglas who was mentored by the before mentioned William Loyd Garrison was born into slavery in 1817. Frederick was a firm believer in the equality of all people, whether black, female, American Indian, or recent immigrant. Sounds kind of like Dr. king hunh? He was also great at raising British money to start his Anti Slavery News Paper The North Star. Douglas wanted full citizenship, including social, civil and political rights for Black people. Douglass conferred with President Abraham Lincoln in 1863 on the treatment of black soldiers, and with President Andrew Johnson on the subject of black suffrage. Despite apprehensions that the information might endanger his freedom as well as his life. Douglass published his autobiography, Narrative of the Life of Frederick Douglass, an American Slave Written By Himself after, which Douglass published the first issue of the North Star, a four-page weekly, out of Rochester, New York. Fred’s dominating Leadership trait is Honesty imean writing the life of Frederick Douglas an American slave could have got him lynched because he talks about his escape but even with that fact in the back of his mind he decided to tell the honest truth.

Lets go to Booker T Washington He was born into slavery in 1856 on the Burroughs tobacco farm. OK now there was a little drama between Booker T and Frederick Douglas kind of like the one between Malcolm & Martin or Al Sharton and Barack or Pac and Biggie naw just joking about pack and biggie but the drama was that although both wanted the same thing Booker T Washington believed that blacks should not push to attain equal civil and political rights with whites and That it was best to concentrate on improving their economic skills and the quality of their character. The burden of improvement resting squarely on the shoulders of the black man and women. By doing this he believed that blacks would eventually earn the respect and love of the white man, and civil and political rights would be accrued as a matter of course. W.EB Dubois and Frederick Douglas believed that the government should give Blacks their equal rights now not later. The views of Booker T were later popularized by black Muslims, The black Panthers who I cant talk about because if I do they wont play the video. Booker T Washington’s dominating trait Tact which means that you can deal with people in a manner that will maintain good relations and avoid problems. He demonstrated this tact by telling blacks that you do not have to depend on the whites for you success. What this did is inspire blacks to succeed and let whites off the hook by telling them noting is owed to blacks because they are willing and able to do it them selves.

Coming to the stage we have Marcus Garvey who after reading Booker T Washington’s Up from Slavery decided to start the Negro Improvement Association and African Communities League (UNIA) movement, which urged Blacks to be proud of their race and return to Africa their ancestral homeland. He attracted thousands of supporters to facilitate the return to Africa that he advocated. In 1919 Garvey founded the Black Star Line to provide transportation to Africa however after a few voyages the ship sank due to shady business practices. Garvey unsuccessfully tried to persuade the government of Liberia in West Africa to grant land on which black people from America could settle. So the next time somebody tells you to go back to Africa just say we tried but the Government of Liberia would not let us in. This Black News Makers life ended very tragically after suffering a stroke in January 1940, the Black Nationalist read his own obituary in the Chicago Defender, which described him as “broke, alone and unpopular”. Apparently as a result, Garvey suffered a second stroke and died. The premature obituary thus turned out to be a self-fulfilling prophecy. Garvey’s Dominating leadership trait was vision. Garvey had a vision for a new nation for American blacks in Africa and even though only a few took the trip the ability to bring this vision to life was a huge achievement.

Rev. Martin Luther King Jr. was one of the first black leaders that really understood that the power was not in the mouth or the sward but it was in the dollar thus the first march he organized which was the bus strike and the last which was the sanitation workers union caused change by taking money out of the oppressors hands. Many of today’s modern day unions have taken this same approach. King organized The March on Washington for Jobs and Freedom, which was a large political rally that took place in Washington, D.C. on August 28, 1963. Martin Luther King, Jr. delivered his historic “I Have a Dream” speech advocating racial harmony at the Lincoln Memorial during the march. Approximately 250,000 people took part in the march; it is estimated that 200,000 were African American and 50,000 were white. Dr. Kings prevailing leadership trait was Justice which is defined as the practice of being fair and consistent.

The civil rights movement did not only benefit blacks bus it also benefited women and other minorities. Many whites lost jobs and their lively hoods not unlike the abolitionist of the 1800s. So my message to all the black youth that are watching or reading this is to never put all white people in a box many have suffered and died for the rights you enjoy today so just take the time to know all people don’t just rely on what mom and or the media have to say. And my message to white youth is never put blacks in a box I know if you watch cops, listen to jayz and go to Lakers game you think all we know how to do is shoot jumpers slap hoes and kill other blacks but what you may not know is that the elevator you take at the mall, it was invented by a black man Alexander mills. The first Open heart surgery was performed by a black Dr. Dr. Daniel Hale Williams and Dr. Charles Drew Invented Blood Banks And Established them all Around The World. I know all of you drove or will be driving somewhere in the next couple of days well in 1940 Garret A. Morgan invented the Automatic Traffic Signal. Look outside yea go ahead you see that grass out there that needs to be cut well that would not be possible with out John Burr who invented the Lawn Mower. So the next time you listen to 50cent or watch cops think lawnmower open heart surgery traffic lights.

Malcolm X who after going on a pilgrimage to Mecca, Saudi Arabia shared his thoughts and beliefs with different cultures, and found the response to be overwhelmingly positive. When he returned, Malcolm said he had met “blonde-haired, blued-eyed men I could call my brothers.” He returned to the United States with a new outlook on integration and a new hope for the future. This time when Malcolm spoke, instead of just preaching to African-Americans, he had a message for all races after which he was assassinated. Malcolm Xs prevailing leader ship trait is that of team work which was evident in his wanting to unite with all races for social change.

Thurgood Marshall born on July 2, 1908 in Baltimore, her is a list of his legal accomplishments
1954 – Wins Brown v. Board of Education of Topeka, landmark case that demolishes legal basis for segregation in America.

1956 – Wins Browder v. Gayle, ending the practice of segregation on buses and ending the Montgomery Bus Boycott.

1961 – Defends civil rights demonstrators, winning Supreme Court victory in Garner v. Louisiana; nominated to Second Circuit Court of Appeals by President J.F. Kennedy.
1967 – Becomes first African American elevated to U.S. Supreme Court (1967-1991).
This Man did not talk about it he went out and did it. Thurgood Marshall’s Prevailing leadership trait is Knowledge; in order to argue a case in front of the Supreme Court you must have a vast knowledge of the law.

Jesse Louis Jackson, Sr. (born October 8, 1941) is a civil rights activist and Baptist minister. He was a candidate for the Democratic presidential nomination in 1984 and 1988. In 1983, Jackson traveled to Syria to secure the release of a captured American pilot, Navy Lt. Robert Goodman who was being held by the Syrian government. Goodman had been shot down over Lebanon while on a mission to bomb Syrian positions in that country. After a dramatic personal appeal that Jackson made to Syrian President Hafez al-Assad, Goodman was released. Initially, the Reagan administration was skeptical about Jackson’s trip to Syria. However, after Jackson secured Goodman’s release, United States President Ronald Reagan welcomed both Jackson and Goodman at the White House on January 4, 1984[6]. This helped to boost Jackson’s popularity as an American patriot and served as a springboard for his 1984 presidential run. In June 1984, Jackson negotiated the release of twenty-two Americans being held in Cuba after an invitation by Cuban president Fidel Castro. Jessie Jackson’s Dominate leadership trait is Empathy, which is being able to put yourself in the other person’s shoes. I really think he cares about the poor people he tries to help.

Presenting Proofs for a Successful Automobile Rollover Lawsuit

All automobile rollover accidents differ in various factors such as the time and place where they occur, the law violated and presence of witnesses among others.

However, in all cases filed because of such accidents, the victims must always establish the extent of damages and losses that they have incurred as well as the liability of the other parties who has caused the accidents.

To establish the liability of the other driver in an automobile rollover case, a plaintiff must present in court some credible evidences that will prove that the defendant has been neglectful or has violated certain traffic rules. He must also give some proofs that he is not guilty of any fault.

The following are some of the methods on how to have proofs for a successful automobile rollover lawsuit:

Have a copy of the police report regarding the accident incidence – the recorded accounts of the police authorities who took charge in investigating the accident scene is very important in the court’s determination of liability. Thus, the victims may utilize a favorable police report in order to have a credible proof or evidence of the defendant’s misdemeanor.
Gather documents that are vital for case – the medical records of the victims also serve as vital evidences in an accident lawsuit. These proofs will serve as a basis for the judge in determining the amount of damages that the victims must receive.
Determine the law violations made by the other party – in this case, the victims must be aware of the law statutes that cover auto accidents. Some of the most frequent traffic rules that are violated by motorists are speeding, driving under the influence of alcohol and other illegal substances, beating the red light among others. The California law is very strict regarding the implementation of such traffic regulations. Thus, if the plaintiff has been very credible in disclosing the violation of the defendant, he will most likely to win his case.
Ask some witnesses to testify for you – although there are times that the police reports, medical records and victim’s testimony are enough to indict a wrongdoer, a statement coming from an actual witness of the rollover accident can augment the merits of the case.
Consult an automobile rollover lawyer – since this type of case involves legal matters, it is important to seek the assistance of a qualified legal counsel with the expertise in handling automobile accidents.
A lawyer has the capability to explain to you on how to acquire and present these proofs in court. Having competent advocate to rely on will further increase your chances of having a successful case outcome.

Samsung U Series Vs Samsung G Series – Presenting A Modern Outlook

The Samsung is a renowned brand in the mobile phone market and is known for offering mobile phones with user-friendly features and sophisticated technologies. Providing different gorgeous looking mobiles ranging from slider phone to music phone and smart phone to sophisticated camera phone, it is competing with leading brands like Nokia, Sony Ericsson to produce high-grade mobiles. This South Korean giant is presenting a wide array of U-Series and G-Series phones with high-resolution screens, camera, in-built media player, internet connectivity and lots more. It is credited for bringing tremendous growth in the communication domain and these mobile phones have brought revolution in the mobile telephony world.

The different U-Series and G-Series mobile phones are appealing with slim and sleek design. These high-end mobile handsets are fashion and technological quotient for the customers with latest features like exquisite camera, swift internet connectivity, impressive displays, music players, memory expansion options, document viewer, TV Output, handwriting recognition function and lots more. Online shopping portals present different models of Samsung mobile handsets in varying ranges. You can choose from the ultra-slim phones from the extensive range of handsets.

The U-Series and G-Series mobile handsets have excellent capabilities to meet personal and business needs. These mobile phones built with 3G technology for faster internet access, camera with auto flash and optical zoom, multimedia messaging like SMS, MMS, MP3 player, FM radio, Bluetooth, GPRS, XHTML and Embedded Java technology. These handsets are available at cheapest prices with several free contract deals like 12 months free rental, 18 months free rental. Select one and enjoy photography, internet surfing, unlimited free calls and text messages.

The Samsung is recognised for introducing innovative features in latest mobile phones which are more technologically sound than other mobile phones available in the market. Featuring enormous imaging and entertainment capabilities, it offers a remarkable mobile experience. The Samsung G800 is very similar to mini-computer ensuring brilliant 5 mega pixel camera to capture beautiful moments. It has digital zoom, in-built flash and auto focus to take images and videos anytime or anyplace. The mobile also support in-built memory, music player, and wireless connectivity. The Samsung G600 is a classic slider handset by Korean giant. It works on a flat sliding mechanism with friendly opening and closing options. It is easily operational and quite handy. Weighing 105 gms, it has wide 2.2 inch screen, 5 mega pixel camera with LED flash and 4 X digital zoom, in-built picture editor, video recording, FM radio, 55 MB internal memory, music library, Bluetooth, Quad Band, GPRS, USB, WAP 2.0 XHTML, Net Front HTML, TV Output, mobile printing, all making it an impressive handset.

The Samsung U600 and Samsung U700 are the latest handsets in the U series mobile phones. They cater to the second generation Ultra Edition handsets. The Samsung U700 includes 2.2 inch wide screen, VGA camera, video calling, superior 3 mega pixel camera with integrated focus, flash and 4 x digital zoom, music player, 20 MB in-built memory, HTML browser, Java MIPD 2.0, GSM, EDGE, GPRS, UMTS, HSPDA, Bluetooth and Micro SD expandable memory. The music player inside the phone supports all music formats like MP3, AAC, and the real formats. The Samsung U600 has 3.2 mega pixels camera to capture crystal clear images and video shoots. It has 262,144 colours display and music player having excellent sound quality. The Samsung U100 is a powerful mobile phone with excellent multimedia features. It has 3.0 megapixel camera and 70MB memory for storing unlimited songs, files, music and videos.

Samsung U-Series and G-Series have blend of style and technology. The members of this series namely Samsung U100, U600, U700, G600 and G800 boast of grace and great functionalities. By their magnetic looks and unique features, these mobile handsets are successful in impressing the customers. These handsets with powerful music features, gaming offers and downloading options attract phone lovers to go for it.

Understand Present Value Versus Future Value

In this article, we will continue the financial investing series with the discussion of financial market structures known Present value and future value in macroeconomics.

The concept of present value versus future value is like the concept that a dollar today is worth more than a dollar. In fact, a dollar invested today earning interest will grow in value when the interest is paid and if the dollar plus interest is automatically reinvested for a further period of time, new interest will be earned on both the dollar of original investment and on the interest already earned. As this is repeated over a period of time, we call the result of compounding interest. It is possible to determine the future value of money by using

1. Financial tables.

a) Present value represents the original investment that we have in hand today.
b) Future value represents what that investment will grow to when interest is earned on a sequential renewal of investment, where the original investment plus all interest earned, keeps being reinvested for subsequent periods until maturity.

Here is the formula

FV = PV (1+I) where
FV is future value
PV is present value
I is annual interest rate
n is number of compounding periods

2. Present value of a single sum
In order to determine the present value, we must take the final sum and discount it by the interest factor working backwards from our known single sum. Here is a formula:
PV= FV/ (1+I)
The definitions for PV, FV, I, n are the same as 1. above.

3. Present value and the amount of the annuity payment of an annuity
There are two types of annuities
*Deferred Annuity:
Receipts on payments are made at the end of the period.
*Annuity Due:
Receipts or payments occur at the beginning of the period.
Future value of an annuity helps to calculate how much money needs to be invested today, in order to receive a certain payment in the future.

a) The present value of an annuity is calculated by the formula below
PV = (PMT/i) · [1 - (1 / (1 + i)n)]
Where
PV= Present value
PMT= The amount of the annuity payment
i =The annual rate of interest
n =The number of discounting periods

b) The amount of the annuity payment is calculated by this formula below
Where
PV= Present value
PMT= The amount of the annuity payment
i =The annual rate of interest
n =The number of discounting periods

I hope this information will help. If you want more information of the above subject, you can find this series of articles at my home page:

Presenting – Marie Perrotta From the Pegasus Community Project – Reaching for the Stars

One person I had heard a lot about from different sources while searching for interview candidates about Toronto’s Beach neighbourhood is Marie Perrotta, the Founding Director of the Pegasus Community Project for Adults with Special Needs. This non-profit charitable organization provides daytime opportunities for adults with developmental challenges, family support and community outreach. Pegasus also runs a thrift store whose revenues support the operational funding needs of this organization and provide practical work experiences for program participants.

Just before 10 am this morning I went to meet Marie at the Beaches Community Centre which is the location for one of her program groups. A few minutes before Marie’s arrival I had a chance to sit down for a few minutes with Gillian Story who is now a full-time program counsellor with the program. Gillian explained that the Pegasus program consists of three groups of adults with special needs that meet at three different locations: the Beaches Community Centre, Centre 55 and the Matty Eckler Community Centre, all in Toronto’s east end. Since graduating with a degree in music and psychology at Concordia Gillian started working at Pegasus in October of 2006 and admits it was a big learning experience at first. But she says that the staff and the participants in the program have been extremely welcoming and made it easy for her to fit in.

As Marie arrived and took off her coat to get ready for an interview, one program participant, a 24-year old woman named Shannon sat down beside me. The group was very cheerful and demonstrated a very natural sense of curiosity. A couple of the participants had peppered me with questions as to who I was, why I was here and what I was planning to do, and I briefly explained my interview plans. Shannon mentioned that she works at the Pegasus Thrift Store twice a week and volunteers there on Saturdays as well. She operates the cash register and welcomes the customers. Marie confirmed that Shannon has a great talent working with people and referred to her as a “natural social worker”. On Mondays Shannon goes to Variety Village, a fitness and life skills facility in Toronto’s east end, where she and her friends from Pegasus enjoy swimming, weight-lifting and other physical activities. Shannon was very gregarious and outgoing and inquired whether they might be a possibility to see her later at the Pegasus Thrift Store.

I did not want to let Marie wait any longer, so I thanked Shannon for talking with me, and Marie and I relocated in order to be able to do a quiet interview. Marie is originally from Buffalo, and she and her husband moved to Ontario to complete their graduate degrees here. After her undergraduate degree in French literature she completed her graduate studies in assessment counseling at the Institute of Child Studies at the University of Toronto. Her work background prior to her involvement with Pegasus includes psychiatric research at the Hospital for Sick Children.

One of Canada’s attributes that captured Marie right from the start was people’s openness, the country’s civility, diversity and tolerance. Marie noticed these characteristics right away and added that tolerance is underrated. In her words, if you spend enough time with people who are different, with time you’ll get over those differences. I wholeheartedly agreed with her and we concluded that often it is lack of exposure to people of different backgrounds that creates negative stereotypes.

Marie has three children: Andrew, 34, an adult with developmental challenges, Olivia, who just graduated from international development and science at McGill University in Montreal, and Cristina, who at 17 years of age is still attending high school. As the mother of a child with a developmental disability Marie understands the unique pressures of families dealing with developmental challenges. In 1993 Marie found out that adult children with developmental handicaps would not have access to day programs after the age of 21. About 650 people in Toronto were on waiting lists for existing day programs and Marie knew she had to do something.

Marie got several parents together that were in similar situations, but the group did not last long. She called on government funding agencies and approached the Matty Eckler Community Centre, part of the Toronto Parks and Recreation Department. The representatives at the community centre reacted extremely positively and offered Marie some space for her intended day-time program. Once she had secured the location, she formally set up a charitable organization and put together a board of directors which included another parent with a developmentally challenged child, as well as three other board members, including a teacher, a child daycare administrator and an occupational therapist.

From January to September of 1994 the team raised $30,000. Alison Masters, one of the Board members, held a big auction and a party at Lido’s Restaurant. With another fundraising event and a small grant from the city the program was ready to start. One of the earliest exercises was to find a name for the organization, and Marie came up with the idea to draw on Greek mythology. In the spring of 1994 they had set a goal to get the organization launched by the fall, so she decided to pick a fall sky constellation and came up with the name Pegasus. The organization indeed got its start in September of 1994. Today many other names of heavenly objects are used in the fundraising efforts of the organization: The “Galaxy of Stars” lists donors in different categories including “Hercules”, “Perseus”, “Cygnus” and “Lyra”. Another group of donors is referred to as the “Meteors”.

Over the years funding has come from many different sources. For ten years Marie ran an annual yard sale from her front yard and as the handling and storage of donated goods became too onerous, fundraising efforts have now shifted to the “Pegasus Thrift Store”, located at 970 ½ Kingston Road. The store is an interesting project because not only does it provide significant funding for Pegasus, it also offers practical training and work opportunities for many of the participants in the Pegasus program.

Until 2000 Marie ran the program out of her house and recalls that acquainting herself with the necessary computer skills initially presented a challenge. In the beginning, when her daughter was only 4 years old, Marie had trained her to take telephone messages. So one day a call from the Association of Community Living came in and Cristina politely asked the caller to spell out the name of the association. When Marie had a look at the message Cristina took, she saw a big note, all scribbled out across the whole sheet of paper in a 4 year old’s handwriting, but with a perfectly proper spelling of the organization’s long name.

Today, the Pegasus Community project receives significant funding from the Ontario Ministry of Community and Social Services, and a program fee has been implemented. Marie indicated that the government support has been tremendously helpful in light of the enormous financial and psychological strain on families with a person who is suffering from developmental handicaps, which include such disabilities as Down’s Syndrome, autism, certain cases of cerebral palsy and others. Marie added that many cases of developmental handicaps do not have an exact diagnosis.

The program is very staff intensive: the ratio of staff members to program participants is 1 to 2.5. Some of the participants require care to meet their physical needs. Staff also look after some medical needs, such as seizure monitoring, giving medications, and feeding through a G-tube. All of the staff members and volunteers in the program receive the requisite training to be able to provide proper care to the participants. Marie indicates that today virtually all of her staff members have two or more years of post-secondary education and many have university degrees and related experience.

The Pegasus Community Program today has 38 participants located in three community centres. Two types of programs serve the participants: the Aquarius Program offers long term support while the Pegasus Program is a transitional program which focuses on skills development and vocational experiences.

Marie strongly believes in a decentralized approach since it allows for greater integration into and acceptance by the community. Other facilities often house the same or an even greater number of participants in one location, but often these locations are in industrial areas, isolated from residential communities.

Marie is a strong proponent of community integration, and she feels that virtually every human being, including people with developmental disabilities, have the capability to give back to the community. The Pegasus participants volunteer at the Thrift Store, they also take on unpaid volunteer work assignments in the local community at stores such as Price Chopper and Zellers, and they volunteer to deliver a local community newspaper, the Beach Metro News.

Viewed from the perspective of a person with disabilities, community interaction and integration is absolutely critical. Every human being needs a change of scenery as well as mental and sensory stimulation. One day when her son was not able to attend the Pegasus program, he was sitting in the kitchen, sadly staring at the door. Although he was not able to vocalize his feelings, Marie recognized very clearly that he deeply missed being able to go out and join his friends at the program. She added that when you work with people with disabilities you get very good at paying attention to decoding non-verbal communication.

Volunteers are an absolutely critical element in Pegasus’ success. Marie refers to some of her regular volunteers who come out to work with the participants: Margaret Simmons, a retired principal, comes in regularly to provide a literacy program while Selma Smith has been teaching an arts and crafts program for five years. The projects of the “studio program” are quite sophisticated and the artistic products are sold at the Thrift Store as well as by local retailers in the Beach such as Arts on Queen.

Three students from the Behavioural Technology Program at George Brown College are currently completing internships with the program while six nurses from Centennial and Humber College are completing practical community nursing placements for their Bachelor of Science Degrees. A high school student named Kelly, from a community program at Inglenook High school is also currently volunteering with the program.

The Beach community has widely supported the program, and the participants regularly venture out into the community in different excursions. Today as I was there, several people arrived with shopping bags full of groceries, and collectively the group prepared a delicious and nutritious lunch that included chicken wraps and sweet potato fries. Marie also indicated that fitness and physical activities are an important component of the program. Participants regular go to Variety Village to go swimming and play team sports such as soccer and basketball. Marie added that there are quite a few gifted athletes in her groups.

Some of the participants have fewer support needs than others, and with several years of assistance and support they may even move on to holding paid jobs in the community. The young lady Shannon who I was talking to earlier was a good example of this and she has successfully and enthusiastically been working at the Thrift Store. Marie believes in all sorts of possibilities for her participants and the program provides job coaching for the participants who have the potential for gainful employment. Other practical skills such as learning how to take public transit are also taught in the program. Marie adds that this type of training does take years, but it is an important investment in individuals and the community as a whole.

Currently Marie is working on organizing a fourth group which will be run out of SH Armstrong Community Centre just a bit west of the Beach neighbourhood near Coxwell. Marie firmly believes that the decentralized approach is critical for the success of her program since it provides for greater community interaction and acceptance. She adds, maybe a future successor of hers might make changes to that approach, but for now she is happy that she now has a program manager who is very familiar with the program’s philosophy. She is relieved that even if she were not around, the program would continue.

Running a registered charity comes with all sorts of challenges, including a wide range of administrative duties as well as quarterly financial reports and budgets. Marie indicates that although Pegasus is a small organization you have to deal with the same organizational issues as in a large organization. But once you get it under your belt it becomes much more manageable.

Several merchants and organizations also support the Pegasus Community Project. Residents in the Beach have welcomed the program and Marie adds that Beachers are more broad-minded and charitable than they are sometimes given credit for. Some people have even thanked her for bringing developmentally challenged individuals into the Beach. Just recently one individual wrote a $500 cheque to the project, and he was so happy to do so as if he had just been waiting to be asked to write that cheque. The generosity from so many people is outstanding, and Marie really appreciates all the support she has received.

One organization that has been particularly helpful is the Toronto Beach Rotary Club which supports Pegasus with regular fundraising initiatives. Local merchant Harold Wisefeld, also known as Zoltzz, the owner of the famous fashion discount store Ends in the Beach, has been a very generous contributor to Pegasus. Another local entrepreneur, Dan MacLeod from the Price Chopper supermarket at Gerrard and Victoria Park, is extremely committed to community work.

Marie says he has opened his store’s doors to hire many people with disabilities. He will even assign regular employees to work alongside a person with a disability, to train them and help them. One of Pegasus’ participants, a young man named AJ, works at Price Chopper three days a week and needs coaching while he is there. Dan sees to it that he receives the support he needs. Dan also supports many of Pegasus’ special events as well as other organizations such as the Cancer Society and the Alzheimers Society. Very few merchants would go to these lengths to accommodate and support people with disabilities.

After having concluded our one-on-one interview we checked in on the Phoenix group next door which in the meantime had prepared lunch and was enjoying a good meal around the table. After a few photos I said goodbye to the group, thanked them for their time and interest and invited them to join me for my Photo Exhibition in the Beach which will be held in early March. Fortunately the location will be within walking distance and the members of the group will be able to drop by and have a look at the photos.

Marie and I then drove five minutes up to Kingston Road where Marie showed me the Pegasus Thrift Store. The store is open on most days, but it is better to call ahead to make sure that the store is staffed. The Thrift Store sells everything from used books, CDs, fabric, clothing, dishes and glassware to small electric appliances and even Barbie dolls. It provides a great opportunity for Pegasus program participants to gain practical work experience and support the fundraising efforts for their program. Friends and neighbours donate all the second-hand goods that are sold in the store.

For me the highlight of the store are the products that are made by the Pegasus program participants themselves. Marie demonstrated a range of hand-made products to me:

- handmade greeting cards featuring feathers and a variety of artistic techniques
- bookmarks reminiscent of beaded necklaces
- soup mixes including recipes
- various types of cookie mixes
- the most recent addition to the merchandise: a handmade tote bag made from donated fabric

In addition to her regular duties Marie works in the store virtually every Saturday and hopes to be able to find some help in organizing it soon. She added that initially her plans were only to cover the costs of the rent and telephone, but the Pegasus Thrift Store has morphed into much more than that: a major fundraising tool as well as a great place of learning for her program participants. Many shoppers say it’s one of the most fun places to shop at in the Beach.

I also asked Marie whether her organization has a website yet and she indicated not yet. But she is currently working with two volunteers to develop one.

Meeting Marie Perrotta was one of those humbling moments when you get to know someone who has overcome significant personal hurdles and truly dedicated her life to people in need in the community. Several awards recognize these efforts: Pegasus won the 1995 City of Toronto Access Award and the 1998 Innovation Award. Marie herself was honoured as the 2004 Beach Citizen of the Year, following the footsteps of other prominent Beachers such as Gene Domagala (who is also a regular volunteer for Pegasus), Glenn Cochrane and Arie Nerman.

As I walked away from the store I thought the heavenly analogies of the Pegasus Project are quite fitting: to her program participants Marie must be like an angel, sent down to earth to help them reach for the stars.

For more information about the Pegasus Community Project or to make a donation please contact Marie Perrotta at 416-691-5651. To contact the store regarding shopping or dropping off donations, please call 416-913-2544.