Saving Money

Saving money is one of the hardest things to do. Unless you’re a lottery winner, in which case this isn't really the information you need. For the 99% of us who have not won the lotto, there are a few things you need to consider when you are planning to save up.

Don’t….adjust your plan/budget

If you have a specific goal in mind. Maybe a new car, or a holiday, or a computer, then it’s vital that you plan what you can save. And then stick to it like cheap aftershave. DO NOT adjust your plan once you have actioned it.

Adjusting means more adjusting. Once you start to make compromises with your budget then you’re heading down a slippery slope. You need to stick with the plan at all times. Set yourself a monthly goal and adhere to it. It will be painful. It will be difficult. But after a short time, you’ll become accustomed to the amount of money you can spend each payday.

Do…pay yourself first

Speaking of payday, you should not fall into the trap of paying all your bills and then seeing what is left for you to save. Pick an amount. For example, £100.00. Now treat this amount as a bill that needs to be paid, like your gas or mortgage. Pay this into a savings account like you would any other bill. And do it immediately, like any other bill.

Don’t…start saving until all your debt is paid off

It sounds counter-intuitive but it’s much better to pay off any outstanding money you owe with the money you would normally be saving with. Trying to do both will stretch your finances and you might find the little you've saved needs to go towards paying off some debt anyhow.

Consolidate your debts if possible. This makes the interest payments lower and allows you to pay it off a little faster. Once you've paid it off, continue to put that money aside. After all, you've learned to live without it, so continue this way of thinking and stick it into an ISA.

Do…take a look back now and then

After a month or two of saving, keep a record of your outgoings. You may be surprised to learn that you’re spending quite a lot on lunches at work. As an example, this is money you could be saving by taking a packed lunch instead. Boring? Sure. A necessary evil? Certainly.

Ensure you can ‘trim the fat’ wherever you can. These things may be painful at first, but think about the long term goal; your new car, holiday or computer. Isn't it worth it?

Read More

Factors of Production in Economy

The Three Factors of Production

One of the central characteristics of this course is its focus on land as a distinctive factor of production, which must be considered separately from the other two factors, capital and labor. This is a point that modern-day economics de-emphasizes, or even denies outright. Why is that? Could it be that land was an important economic factor, way back when — but today's social complexity and advanced technology have freed us from dependence on nature?

Not one bit. Land is needed for all production, for all human life and activity of any kind. When most people think of "land," their mental picture is of farm land: crops, orchards, pastures. But in fact, the most valuable natural resource in modern society is urban land. In cities, activities take less land area per head, but more land value, because the price of city land (per unit of area) is hundreds, sometimes thousands of times higher than the price of rural land.

The factors of production are:

LAND.
The entire material universe exclusive of people and their products.

Everything physical (other than human beings) which is not the result of human effort is within the economic definition of land. This concept thus includes not merely the dry surface of the earth, but all natural materials, forces and opportunities. The trees in a virgin forest are land; in a cultivated forest they are wealth.

Radio and TV communications use the radio spectrum, a limited natural resource. Drivers of SUVs and other fuel-burning machinery use the earth's atmosphere as a dump for their greenhouse-gas wastes. To understand the meaning of land as a factor of production, we must conceive and define land broadly, as the entire set of natural opportunities.

LABOR.
All human exertion in the production of wealth and services.

Mental toil is labor as well as muscular effort. All who participate in production by their mental and physical effort are laborers in the economic sense. Thus entrepreneurs as well as blue-collar workers are included.

CAPITAL.
Wealth used in the process of production, which includes wealth in the course of exchange.

Capital is a subset of wealth (see definition below). Any item of wealth could be used as capital; it could be sold or used in production. This is implied in our definition of production, when we note that production is not completed until wealth reaches the final consumer. If an item of wealth is to be used as capital, its owner foregoes consuming it for that time.

In political economy, we define capital as a factor of production. We should note that this is quite different from the way "capital" is defined in conventional economics courses. There, capital is generally considered to be any asset that will yield its owner a return. Such an asset could be "capital goods" (wealth used in production), or it could be land, or money, or the investments in education or skill that are commonly termed "human capital."

Distinguishing the three factors of production is crucial to our analysis. Our most important objective in political economy is to understand the distribution of wealth in society. In order to do that, we need consistent, mutually exclusive definitions of the factors of production. Labor is only human exertion; capital is only physical products of human labor; land is only things not created by human labor. They are not convertible into each other. (For example: something can be built on land, but if the building is destroyed, the value of the bare land remains.)

Read More

ألوان العيون واختلافها ..والاسباب العلمية لهذ الاختلاف

ألوان العيون واختلافها ..والاسباب العلمية لهذ الاختلاف !!!

ان لون العين هو موضوع أدهش الباحثين كثيرا لعدة قرون ..إلى أن وفر لنا العلم فهمًا أفضل للون العيون ، وكيف يتم توارثها.
لقد كانت مسألة لون العين ، وكيف تنتقل من الآباء إلى الأبناء موضوع نقاش بين علماء الوراثة لعقود من الزمان.
ويعتقد منذ وقت طويل ان لون العين يتبع نمط مندل في الوراثة . تكتسب العيون اللون من مادة تسمي (الميلانين ) التي ينتجها الجسم كنوع من الأصباغ للجلد والشعر والعيون وهذه الألوان تختلف من شخص إلى آخر .
و كل جزء من الميلانين له لون بني غامق ، فإذا اجتمعت هذه الجزيئات بكثافة أصبح لون العين بنياً غامقاً.
وإذا خفت كثافتها كان اللون بنياً فاتحاً وبنفس الطريق تكتسب عيون بعض الناس لونها ألازرق نظراً لأن مادة ميلانينها خفيفة جداً ، ومن ثم فهي تعكس اللون الأزرق الذي تستمده من انعكاس ضوء الشمس على الجو بما فيه من سماء زرقاء وذرات ماء وغبار عالق في الهواء . وهكذا تمتص جزيئات ميلانين العين الخفيفة مختلف الألوان الموجودة في الضوء, وتظهر اللون الأزرق وحده. منقول عن موقع http://www.traidnt.net

Read More

هل لديك عيون بنية ؟

قام علماء من جامعة "تشالز" التشيكية ببحث دراسي، كشف من خلاله أن العيون البنية تبعث الطمأنينة والثقة في أصحابها بشكل يفوق بكثير المشاعر السلبية مثل القلق التي يبعثها أصحاب العيون الزرقاء في نفوس الآخرين.
وحسب ما جاء في موقع  mbc.net، أشارت الدراسة التي شملت استعراض 80 صورة لرجال وسيدات بخصائص مختلفة للملامح، إلى أن الوجوه المتطابقة تترك آثارا مختلفة لدى من يراها، فقد عرضت صور لأناس تتطابق ملامحهم وتختلف فقط من حيث لون العين، وتبين أن أصحاب العيون البنية غالبا ما يستطيع الآخر الثقة بهم.
أما أصحاب العيون الزرقاء فأجمعت أغلب الأصوات على أنها تبعث على عدم الارتياح، مع أن الملامح في حقيقة الأمر هي لشخص واحد والاختلاف فقط في لون العينين. وأشارت الدراسة أيضا إلى أن هناك ارتباطا كبيرا بين خصائص الوجه ولون العيون، فأصحاب العيون البنية يتميزون عادة بفم أوسع وذقن أعرض، والعكس تماما لأصحاب العيون الزرقاء لأنهم غالبا ما يتمتعون بوجه طويل وفم ضيق وذقن صغيرة.

Read More

الالوان في حياتنا

الألوان آية من آيات الله جل جلاله، وقد استعرضنا في مقالات سابقة الأثر النفسي للألوان على الإنسان، واليوم نطلع على دراسة علمية جديدة تؤكد أن الألوان قد تكون وسيلة لإضفاء السعادة على حياة البشر، فقد وجد باحثون أن التعرض لبعض الألوان، منها الأزرق والأخضر والبرتقالي والبنفسجي قد يزيد من الإحساس بالسعادة والثقة بالنفس.

وعرض باحثون في الدراسة، التي نفذتها "مايند لاب،" وهي مؤسسة تضم مجموعة من العلماء في بريطانيا، لعدد مختلف من الألوان والأضواء، ووجدوا أن اللونين الأزرق والأخضر زادا من إحساس الذكور بالسعادة، فيما جاء تأثير الأزرق والبنفسجي والبرتقالي مماثلاً على فئة النساء.

وبحسب تقرير "التلغراف"، عزز اللونان الأزرق والأحمر من مستويات الثقة بالنفس بين الذكور، وكان للأزرق والبنفسجي ذات المفعول على النساء. كما اكتشف الباحثون أن التعرض للألوان البراقة عموماً له فوائد متعددة.

وعرَّض العلماء مجموعة متطوعين لتلك الأضواء، وجاءت نتائجهم أسرع في الاختبارات الذهنية بنسبة 25 في المائة، وفي ردة الفعل بنسبة 12 في المائة، إلى جانب تحسّن في القدرة على التذكر. بالإضافة إلى ذلك، كشف الباحثون أن قبضة من تعرضوا لألوان براقة، كانت أقوى من سواهم. وقال د. ديفيد لويس، مؤسس "مايند لاب" إن الدراسة تثبت أن إضفاء المزيد من الألوان على حياتنا، تحديداً في فصل الشتاء، قد تطرد كآبة الشتاء.

وفي دراسة أخرى تبيَّن أن النساء يولدن وهنَّ يفضلن اللون الزهر بالفطرة، وذلك بناء على اختبار أجرته الدكتورة آنيا هيلبرت، وهي خبيرة علم نفس في جامعة نيوكاسل على 208 أشخاص، طُلب منهم اختيار لونهم المفضل بسرعة فائقة بين مجموعة من الخيارات. وأظهرت الدراسة أن معظم الأشخاص اختاروا اللون الأزرق على أنه لونهم المفضل، غير أن النساء بينهم اخترن اللون الأزرق المظلل بالأحمر، بينما اختار الرجال اللون الأزرق القريب من الأخضر. وقالت الأخصائية يازو لينغ، التي أشرفت أيضاً على الدراسة: إن الأمر قد يعود إلى قدرة النساء البيولوجية على التمييز بصورة أفضل من الرجال بين اللونين الأحمر والأزرق.

Read More

ابحث عن مدونتنا

في مدونتنا ننتقي أجمل الالوان لنوفر لك الافضل

Read More

بطاقات Mimoor

عندما تبحث عن اجمل و أدق انواع بطاقات الدعوى لمناسباتك المختلفة والتي تمثل الصورة الاولية لنجاح هذة المناسبة, فعندها فقط تجد نفسك باحثا عن الافضل.

وهنا يأتي دورنا لنوفر لك هذة الميزه, فمعنا ستجد النماذج الاروع لهذه البطاقات والتي يتم انتاجها محليا ولكل بطاقه واحده منها اهتمام خاص بما يجعلها فعلا النموذج الاجمل بتصميمها وطريقة ابتكار شكلها الرائع.

يخصص لك قسم Mimoor في مدونتنا صور لنماذج وتصاميم جميلة تختار منها ما تريد وما عليك الا ان تختار وتتواصل معنا من خلال بينات التواصل المرفقة بجانب كل بطاقة. 

نفتخر لكي نجعلكم سعداء 

Read More

Financial Accounting

Financial accountancy (or financial accounting) is the field of accountancy concerned with the preparation of financial statements for decision makers, such as stockholders, suppliers, banks, employees, government agencies, owners and other stakeholders. Financial capital maintenance can be measured in either nominal monetary units or units of constant purchasing power. The central need for financial accounting is to reduce the various principal-agent problems, by measuring and monitoring the agents' performance

and thereafter reporting the results to interested users. Financial accountancy is used to prepare accountancy data for people outside the organisation or for those, who are not involved in the mundane administration of the company. Management accounting, provides accounting information to help managers make decisions to manage and enhance the business. In short, financial accounting is the process of summarising financial data, which is taken from an organisation's accounting records and publishing it in the form of annual or quarterly reports, for the benefit of people outside the organisation. Financial accountancy is governed not only by local standards but also by international accounting standard. Read more here:

http://www.sgbau.ac.in/accounting-for-managers.pdf

Read More

Antimicrobic Sensitivity Testing: The Kirby-Bauer Method

Once the causative organism of a specific disease in a patient has been isolated, it is up to the attending physician to administer a chemotherapeutic agent that will inhibit or kill the pathogen without causing serious harm to the individual. The method must be relatively simple to use, be very reliable, and yield results in as short a time as possible. The Kirby-Bauer method of sensitivity testing is such a method. It is used for testing both antibiotics and drugs. Antibiotics are chemotherapeutic agents of low molecular weight produced by microorganisms that inhibit or kill other microorganisms. Drugs, on the other hand, are antimicrobic agents that are man-made. Both types of agents will be tested in this laboratory session according to the procedure shown in next figure. The effectiveness of an antimicrobic in sensitivity testing is based on the size of the zone of inhibition that surrounds a disk that has been impregnated with a specific concentration of the agent. The zone of inhibition, however, varies with the infusibility of the agent, the size of the inoculum, the type of medium, and many other factors. Only by taking all these variables into consideration can a reliable method be worked out. The Kirby-Bauer method is a standardized system that takes all variables into consideration. It is sanctioned by the U.S. FDA and the Subcommittee on Antimicrobial Susceptibility Testing of the National Committee for Clinical Laboratory Standards. 

Read More

Foodborne Illnesses

Transmission of pathogens. In order to prevent many of these pathogens from spreading,
it is important to understand the various routes of transmission. Foods can also be contaminated at the source. For example, poultry is contaminated with salmonella and campylobactor during processing. Shell stock can become contaminated in shell stock beds because of sewagecontaminated water. Foods that grow in the ground are contaminated with both bacteria and bacterial spores. Foods that are harvested from the ocean and fresh water can be contaminated with bacteria, viruses, and parasites. Both food and water can be subject to crosscontamination. Major causes of foodborne illness. Generally in the United States, most foodborne illnesses are attributed to pathogenic bacteria. While this has changedwe now find norovirus to be the numberone cause of foodborne illness in the United Statesthere are still practices that when done improperly can lead to foodborne illness. Some of these specifically relate to bacteria, while others can relate to any of the pathogen categories. They include improper holding temperatures, either hot or cold holding, improper cooling, leaving food in the temperature danger zone too long, improper cooking or reheating, either the required minimum temperature or the required holding times, infected employees, poor personal hygienean example being poor hand washingcrosscontaminationan example might be cutting fresh vegetables on a cutting board previously used to cut raw chicken without proper wash, rinse, and sanitizing between use.

Read More

Great Trees of the World

Trees may be our most potent reminder of nature's power and beauty. For thousands of years, trees have inspired poets, scientists, warriors and priests, and they remain a living symbol of the glory of the natural world and its importance in our lives. Take a look at this collection of images showing the world's largest tree, oldest tree, biggest tree, tallest tree and other great trees.

Read More

Microbiology study

Bacteria are classified under a distinct kingdom because of its peculiar cellular and morphological characteristics that makes it different and distinct from all other kingdoms like fungi, animal and virus. Bacteria are microscopic, unicellular (single celled) ancient organisms that are responsible for a number of lethal diseases. There are different types of bacteria that shares classic morphological characteristics of the kingdom but are classified differently in 5 major groups on the basis of their habitat, laboratory characteristics, staining methods, requirement of certain nutrients for the generation of energy and presence of certain cytoplasmic extensions like flagella or cilia (that are helpful in the motility of bacteria).

This article will discuss some major characteristics that are helpful in the determination of different types of bacteria.

Read More

Definition of Marketing

The following definitions were approved by the American Marketing Association Board of Directors: Marketing:  

Marketing is the activity, set of institutions, and processes for creating, communicating, delivering, and exchanging offerings that have value for customers, clients, partners, and society at large. (Approved July 2013)

Marketing Research:

Marketing research is the function that links the consumer, customer, and public to the marketer through information--information used to identify and define marketing opportunities and problems; generate, refine, and evaluate marketing actions; monitor marketing performance; and improve understanding of marketing as a process. Marketing research specifies the information required to address these issues, designs the method for collecting information, manages and implements the data collection process, analyzes the results, and communicates the findings and their implications.

Read More

Biotechnology

At its simplest, biotechnology is technology based on biology - biotechnology harnesses cellular and biomolecular processes to develop technologies and products that help improve our lives and the health of our planet. We have used the biological processes of microorganisms for more than 6,000 years to make useful food products, such as bread and cheese, and to preserve dairy products. Modern biotechnology provides breakthrough products and technologies to combat debilitating and rare diseases, reduce our environmental footprint, feed the hungry, use less and cleaner energy, and have safer, cleaner and more efficient industrial manufacturing processes. Currently, there are more than 250 biotechnology health care products and vaccines available to patients, many for previously untreatable diseases. More than 13.3 million farmers around the world use agricultural biotechnology to increase yields, prevent damage from insects and pests and reduce farming's impact on the environment. And more than 50 biorefineries are being built across North America to test and refine technologies to produce biofuels and chemicals from renewable biomass, which can help reduce greenhouse gas emissions. 

Read More

Mosquitoes

There are over 2500 different species of mosquitoes throughout the world of which 150 species occur in the United States. 52 species occur in California, and 19 species occur in Alameda County. In the course of the District's operation about 10 species are commonly found in the County. Eight of the species account for over 99% of complaints from the public. 

Each of the species has a scientific name that is latin, such as Culex tarsalis. These names are used in a descriptive manner so that the name tells something about this particular mosquito. Some species have what is called "common names" as well as scientific names, such as Anopheles freeborni, the "Western malaria mosquito". All mosquitoes must have water in which to complete their life cycle. This water can range in quality from melted snow water to sewage effluent and it can be in any container imaginable. The type of water in which the mosquito larvae is found can be an aid to the identification of which species it may be. Also, the adult mosquitoes show a very distinct preference for the types of sources in which to lay their eggs. They lay their eggs in such places such as tree holes that periodically hold water, tide water pools in salt marshes, sewage effluent ponds, irrigated pastures, rain water ponds, etc. Each species therefore has unique environmental requirements for the maintenance of its life cycle.

The feeding habits of mosquitoes are quite unique in that it is only the adult females that bite man and other animals. The male mosquitoes feed only on plant juices. Some female mosquitoes prefer to feed on only one type of animal or they can feed on a variety of animals. Female mosquitoes feed on man, domesticated animals, such as cattle, horses, goats, etc; all types of birds including chickens; all types of wild animals including deer, rabbits; and they also feed on snakes, lizards, frogs, and toads.

Most female mosquitoes have to feed on an animal and get a sufficient blood meal before she can develop eggs. If they do not get this blood meal, then they will die without laying viable eggs. However, some species of mosquitoes have developed the means to lay viable eggs without getting a blood meal. 

The flight habits of mosquitoes depend again on the species with which we are dealing.  Most domestic species remain fairly close to their point of origin while some species known for their migration habits are often an annoyance far from their breeding place. The flight range for females is usually longer than that of males. Many times wind is a factor in the dispersal or migration of mosquitoes. Most mosquitoes stay within a mile or two of their source. However, some have been recorded as far as 75 miles from their breeding source. The length of life of the adult mosquito usually depends on several factors: temperature, humidity, sex of the mosquito and time of year. Most males live a very short time, about a week; and females live about a month depending on the above factors. 

Read More

Electricity from Natural Gas

Natural gas is a fossil fuel formed when layers of buried plants and animals are exposed to intense heat and pressure over thousands of years. The energy that the plants and animals originally obtained from the sun is stored in the form of carbon in natural gas. Natural gas is com busted to generate electricity, enabling this stored energy to be transformed into usable power. Natural gas is a nonrenewable resource because it cannot be replenished on a human time frame. The natural gas power production process begins with the extraction of natural gas, continues with its treatment and transport to the power plants, and ends with its combustion in boilers and turbines to generate electricity.

Initially, wells are drilled into the ground to remove the natural gas. After the natural gas is extracted, it is treated at gas plants to remove impurities such as hydrogen sulfide, helium, carbon dioxide, hydrocarbons, and moisture. Pipelines then transport the natural gas from the gas plants to power plants.
Power plants use several methods to convert gas to electricity. One method is to burn the gas in a boiler to produce steam, which is then used by a steam turbine to generate electricity. A more common approach is to burn the gas in a combustion turbine to generate electricity.

Another technology, that is growing in popularity is to burn the natural gas in a combustion turbine and use the hot combustion turbine exhaust to make steam to drive a steam turbine. This technology is called "combined cycle" and achieves a higher efficiency by using the same fuel source twice. 

Read More

Internet

The Internet is a global system of interconnected computer networks that use the standard Internet protocol suite (TCP/IP) to serve several billion users worldwide. It is a network of networks that consists of millions of private, public, academic, business, and government networks, of local to global scope, that are linked by a broad array of electronic, wireless and optical networking technologies. The Internet carries an extensive range of information resources and services, such as the inter-linked hypertext documents of the World Wide Web (WWW), the infrastructure to support email, and peer-to-peer networks.

Most traditional communications media including telephone, music, film, and television are being reshaped or redefined by the Internet, giving birth to new services such as voice over Internet Protocol (VoIP) and Internet Protocol television (IPTV). Newspaper, book and other print publishing are adapting to website technology, or are reshaped into blogging and web feeds. The Internet has enabled and accelerated new forms of human interactions through instant messaging, Internet forums, and social networking. Online shopping has boomed both for major retail outlets and small artisans and traders. Business-to-business and financial services on the Internet affect supply chains across entire industries.

Read More

Soil Pollution

Definition:

Soil pollution is defined as the build-up in soils of persistent toxic compounds, chemicals, salts,

radioactive materials, or disease causing agents, which have adverse effects on plant growth and animal

health.

Click link to more read. 

Soil pollution 

Read More

Google Company

If you don't know what the term Google means, there's a leading Internet search engine you can use to find out. Taking its name from "googol" -- the mathematical term for the value represented by a one followed by 100 zeros -- Google offers targeted search results from billions of Web pages. Results are based on a proprietary algorithm; its technology for ranking Web pages is called PageRank. The firm generates revenue through ad sales. Advertisers deliver relevant ads targeted to search queries or Web content. The Google Network is a network of third-party customers that use Google's ad programs to deliver relevant ads to their own sites. Founders Sergey Brin and Larry Page each have nearly 30% voting control.

Read More

Understanding The Moon Phases

The illustration may look a little complex at first, but it's easy to explain.

Sunlight is shown coming in from the right. The earth, of course, is at the center of the diagram. The moon is shown at 8 key stages during its revolution around the earth. The moon phase name is shown alongside the image. The dotted line from the earth to the moon represents your line of sight when looking at the moon. The large moon image shows what you would see at that point in the cycle. For the waning gibbous, third quarter, and waning crescent phases you have to mentally turn yourself upside down when imagining the line of sight. When you do this, you'll "see" that the illuminated portion is on your left, just as you see in the large image.

One important thing to notice is that exactly one half of the moon is always illuminated by the sun. Of course that is perfectly logical, but you need to visualize it in order to understand the phases. At certain times we see both the sunlit portion and the shadowed portion -- and that creates the various moon phase shapes we are all familiar with. Also note that the shadowed part of the moon is invisible to the naked eye; in the diagram above, it is only shown for clarification purposes.

So the basic explanation is that the lunar phases are created by changing angles (relative positions) of the earth, the moon and the sun, as the moon orbits the earth. If you'd like to examine the phases of the moon more closely, via computer software, you may be interested in this moon phases calendar software.

Moon Phases Simplified:

It's probably easiest to understand the moon cycle in this order: new moon and full moon, first quarter and third quarter, and the phases in between. As shown in the above diagram, the new moon occurs when the moon is positioned between the earth and sun. The three objects are in approximate alignment (why "approximate" is explained below). The entire illuminated portion of the moon is on the back side of the moon, the half that we cannot see. At a full moon, the earth, moon, and sun are in approximate alignment, just as the new moon, but the moon is on the opposite side of the earth, so the entire sunlit part of the moon is facing us. The shadowed portion is entirely hidden from view. The first quarter and third quarter moons (both often called a "half moon"), happen when the moon is at a 90 degree angle with respect to the earth and sun. So we are seeing exactly half of the moon illuminated and half in shadow.

Once you understand those four key moon phases, the phases between should be fairly easy to visualize, as the illuminated portion gradually transitions between them.

An easy way to remember and understand those "between" lunar phase names is by breaking out and defining 4 words: crescent, gibbous, waxing, and waning. The word crescent refers to the phases where the moon is less than half illuminated. The word gibbous refers to phases where the moon is more than half illuminated. Waxing essentially means "growing" or expanding in illumination, and waning means "shrinking" or decreasing in illumination.

Thus you can simply combine the two words to create the phase name, as follows:

After the new moon, the sunlit portion is increasing, but less than half, so it is waxing crescent. After the first quarter, the sunlit portion is still increasing, but now it is more than half, so it iswaxing gibbous. After the full moon (maximum illumination), the light continually decreases. So the waning gibbous phase occurs next. Following the third quarter is the waning crescent, which wanes until the light is completely gone -- a new moon.

Read More

New Design

Good Kind

Read More