If Had A Free………….?
Professinal Lesson ON ANYTHING What will it be?? (Learning how to draw,Fix Cars,Paint,Cook ,ANYTHING)?
Cooking.
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How is this 28 second Sonnet?
.
“The Fisher of Men”
Stephen Rodriguez
While driving on the highway, you’d be sore
to feel the A/C cut, then hear your car
shout out “No farther! I can’t take no more!”
When dad and I were driving, not too far
ahead we saw a man alone and on
the road, barefoot, in shorts and sleeveless shirt.
As fish to fisherman, our car was drawn
until two wheels were resting in the dirt.
My dad got out and stopped the walking man.
He asked “Excuse me, do you need a lift?”
The man said “No, I’m fine. I think I can
continue with my walk. I like to drift
from place to place, to see what I can see,
although, I’m glad when people stop for me.”
.
.
Note: 28 seconds is how long it takes to read it, not write it!
: P
Why do I sometimes wish I could do that – become like that man. Walk endlessly without direction, sounds like bliss to me.
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City draws more money with website auction
Old equipment and items seized by police are drawing more money for the city since switching to an online auction.
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Pencil drawing in monochrome is the foundation of any budding artist. Many new artists make the mistake of skipping foundation building and go right on to learn how to paint or draw in colors. They do this by learning tracing the shapes and forms and then paint over them.
Unfortunately, this process cannot produce a good drawing. That’s because when the artist starts to paint over the lines, he or she starts to trace as well. As a result, spontaneity is lost. The drawing looks unnatural, and the artist is only cheating himself.
How then do we avoid this? The answer lies in learning how to draw and sketch properly, so that when the drawing comes out, it looks naturally instead of mechanical.
Contrary to popular believe, learning how to draw or sketch naturally is not as difficult as it seems. I do agree that there are more complicated subjects such as portraits, hands, etc. that require more skills but all that can be picked up with proper training.
The first step to learning how to draw in monochrome is to pick the right paper. If you observe good sketches, you’ll notice that they often contain near perfect blendings and classy details. So much so that the others can only observe in awe. Well, now you don’t have to. You too, can draw like that.
You see, the drawing paper that you choose plays a big part. There are two types of paper that we can generally choose from. The choice is a little more complicated if you’re drawing in color, but for monochrome drawing, just keep in mind that you want to choose drawing paper that has a smooth service.
You can feel the paper with your hands when choosing the paper. The other type of paper are those with a mat surface. This kind of paper feels grainy and rough. In your local art supplies store, you’ll find both of these types of paper. Also, most multi-purpose paper feels rough rather than smooth. That’s because the paper has to provide for the needs of using colors. Choose a sketch pad that’s smooth for practise. Don’t worry if it feels thin. You don’t need a thick piece of cartridge paper for sketching exercises.
The next step is to choose drawing tools that allow you to work on both the broad lines and the fine details. It doesn’t matter what type of monochrome tools that you’re going to use (charcoal, pencils, etc), but you do need to know that you must keep pointed tools with you at all times for the fine details.
These are the tools required for drawing in monochrome. Once you have them, you’re ready to start.
About the Author
Darren Chow is the founder and developer of MyArtPassion.com, an online website that offers free drawing lessons, home study courses, and other drawing related resources.
For more free resources like the one you’ve just read, please visit MyArtPassion.com for free online drawing lessons.
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The world of 3D animations is better defined as “breath-taking”, 3D art can illustrate and create worlds which only exist in our imagination and can bring to life all of those fantasies and creations we only saw in our dreams; however a couple of decades ago the thought of even drawing something remotely similar to what we saw in dreams was completely ridiculous, the image quality, vectors, rendering and animation was simply impossible at the time. If you have seen Photoshop creations then you would agree that image manipulation tools are excellent to create good looking pictures, however the Photoshop suite was mainly designed to handle photography and simple animations, other tools which were designed explicitly for the web include Macromedia flash programs which allowed web designers to embed beautiful animations in web pages, however the full suite of 3D art tools doesn’t end there.
Have you ever wondered what type of tools were used to create amazing movie animations such as Final Fantasy – The Spirits Within, Shrek, Cars, etc? what about digital images which have characters which you know are not real but come so close to the real thing you might even confuse them? For this type of work there is yet another suite of tools which are focused in 3D image creation and manipulation as well as 3D video animation, you can’t use tools such as Photoshop to achieve the results you would achieve with applications such as CorelDream 3D. This application was bundled with the CorelDraw graphics suite, however after some time the company Corel decided to suspend further development of this tool, later on this tool was also sold with the name of Ray Dream Designer but this product was discontinued as well.
These product had a lot of potential but for one reason or another the companies in charge of developing and maintaining the tool failed to do so until the product was sold to another company, DAZ Productions. This company worked on the 3D application and gave it a new name, Carrara. The most recent version is 6.1, this tool has been improved and allows 3D artists to bring their imagination to life through a set of tools which allow objects to be rotated and animated in virtually any spherical angle, entire virtual landscapes can be easily created compared to other tools and beautiful maidens as well as scary dragons can be designed with this tool.
Graphic designers who specialize in 3D animation know that there are several other tools out there for this type of job, however the application which started as CorelDream 3D evolved into a very robust program now called Carrara 6.
About the Author
CorelMag.com provides more information about Corel Draw, Photopaint. Get an helpful Corel tutorial to get yourself started in the fantastic world of 3D art.
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Intellectual Property
In one of his last opinions, Justice John Paul Stevens, together with all eight of his Supreme Court brethren, handed a novelty clothing manufacturer a touchdown in its antitrust lawsuit against Reebok International, the National Football League (NFL) and the NFL’s 32 member teams.
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Free Car Wash Business Plan for Loans
Obtaining Business Financing
When obtaining a business loan for a car wash business, it is imperative that you have a properly structured business plan that will assist you in showcasing how you intend to operate your Car Wash, how the business will operate, how you intend to market the business, the anticipated financial results of your company, and how you intend to repay your debt obligations. This sample loan business plan will provide you with the framework that you need in order to acquire a business loan for starting or expanding this type of business.
Executive Summary
Introduction
When obtaining a business loan for a car wash, it is imperative that your business plan has a clear and concise executive summary that provides an outline of what are seeking to accomplish, how much capital you are seeking to raise, the management biography of the business owner, and an overview of the anticipated profit and loss statements of the business. Here is an example of how the title paragraph should be written:
Car Wash, Inc. (“the Company”) is seeking a business loan of $100,000 in order to launch the operations of a car wash that will be based in San Francisco, California. The Company was founded in (Insert Year). The business was founded by Mr. John Doe.
Products and Services
In the next segment of the business loan and business planning document, you should showcase the products and services that you will be providing to the general public. For instance:
The Car Wash will provide customers with the ability to quickly have their cars exteriors and interiors cleaned by the Company’s professionally trained staff. The business will not have an automated drive through car wash, but rather individuals will wash and clean the car by hand. The business will generate revenues through the services rendered by the Company’s staff as well as through the sale of car care products.
Business Loan Terms
Now it is time to discuss the anticipated terms of the business plan that you are seeking. An example paragraph of how this is stated:
At this time, Mr. Doe is seeking a conventional business loan in the amount of $100,000. The interest rate, loan terms, and loan covenants are to be determined during negotiation. However, this business plan assumes that the business will receive a seven year business loan with a seven percent interest rate due on the outstanding principal balance.
Management Biography
Now that the summary of the business has been provided, it is time to provide a brief overview of the owner of the business. An example paragraph summing up the owner is as follows:
Mr. Doe is a highly experienced business person that has years of experience regarding the direct ownership and management of business. He will be able to effectively bring the operations of the Car Wash to profitability while ensuring that the business loan’s payments and its covenants are met at all times.
Financial Statements
The most important thing to your lender when applying for a business loan is how you intend to repay the bank. In this section of the business plan, you should provide an overview of the finance’s of the business discussing the anticipated revenues, expenses, and profits/losses. You can also discuss the applicable collateral within the business plan that will be used to secure your business financing.
Expansion Plans
One of the most important aspects of your business plan is how you intend to expand the business over a three to five year period. Banks and finance companies always want to see that the business will experience a moderate to strong level of growth. This is especially true in business lending because as your business grows the cash flow that secures your business loan will decrease proportionality against your monthly credit obligations. An example of how this is stated is as follows:
The Car Wash will continue to expand through organic means including increasing the Company’s advertising budget via the reinvestment into the after tax cash flows of the business. Additionally, if the business is highly successful then the Company may seek to establish additional Car Wash locations after the third year of operations.
The Financing
Use of Business Loan Proceeds
In this section of the business plan you should focus on how the proceeds of the business loan will be used. An example of this would be as follows:
Management Equity
In this section of the business plan you should discuss the percentage ownership of the business among the owners of the business. For example:
Mr. Doe will own 100% of Car Wash, Inc.
Board of Directors
When applying for business financing, the bank will also want to know who serves as the board of directors. For small businesses, usually the owner serves as the director of the business. An example of how this is worded:
Mr. Doe will be the sole director of Car Wash, Inc.
Exit Strategy
Any bank or financing company is also going to want to know what you intend to do with the business over a set period of time. Many business owners will develop and expand a business with the intent to sell the company to a third party at a later time. When drafting this part of the business plan you should focus on what you intentions are in regards to potentially selling the business. This is often worded as:
Mr. Doe would most likely sell the Car Wash to a third party for a significant earnings multiple. Car wash businesses usually sell for approximately one to three times earnings given the financial strength of the business. In this event, the business would be sold by a business broker and the business loan sought in this plan would be repaid according to the covenants of the business loan agreement.
Products and Services
When developing a business plan that is appropriate for obtaining a business loan or other business credit facility you need to clearly showcase the services or products that you will be offering to the general public. An example of how this section is worded goes as follows:
As stated in the executive summary, the Car Wash will provide general car cleaning (of both the interior and exterior of a vehicle) to the general public within its San Francisco based market. The business will generate significant high margin revenues from these services.
Additionally, the business will generate additional streams of revenue from the sale of car care products that customers can use at home.
Industry and Market Analysis
The Current State of the Economy
It is important to let your financial institution know that you are well apprised of the financial situation of the general economy when you are applying for a business loan. This is especially true in today’s environment where lending has become more difficult and will remain more difficult in the foreseeable future. Specifically, you should gear this section of the business plan analysis towards the industry that you are operating within. For example:
The current economy has remained difficult over the past few years. However, Car Wash businesses typically operate with a strong state of economy stability as these businesses provide a broad level of car cleaning services with a relatively low pricing point. As such, the Car Wash will be able to remain profitable and cash flow positive at all times despite the current state of the economy.
The Car Wash Industry
In addition to providing your business loan officer with an understanding of the general economy, it is important that you showcase that you have an equal understanding of the industry in which you are operating within. As such, you will need to provide you business loan institution of a brief overview of your industry and any potential changes that may affect the way that your company does business. An example of how an industry overview is as follows:
There are over 13,600 car washing establishments in the United States. These businesses produce over $4 billon dollars a year in gross receipts. Additionally, the business employs over 124,000 people, and generates payroll figures of $1.2 billion dollars a year. The industry has experienced a tremendous rate of growth over the last ten years. The car washing industry from 2000 to 2005 experienced growth of more than 18% over the five year period. This industry is one of the fastest growing industries in the United States.
Target Market
In this section of the business loan application and business plan analysis, you should focus on the demographics of your localized market (or national market if applicable). This section should discuss how many people live in your area, the anticipated number of people that would require the use of Car Was businesses, the median household income of people living in the area, poverty line statistics, and any applicable laws that would apply to your operation of the Car Wash.
Competition
Many people that are developing new businesses or expanding existing businesses often feel that their business does not have any competition or limited competition at best. However, this is almost never the case. Unless you have re-invented the wheel – you will have competition. When applying for a business loan, you should clearly showcase your competition in your business plan. This is especially important to your banker as they will be able to gauge your ability to be successful in your targeted market. Many business loan underwriters will aggressively confirm that competitive nature of your local market and your local industry.
When drafting this section of the plan you should heavily discuss the competitive advantages that you intend to have over your competition.
Marketing Plan
In addition to all of the above information that we have covered, your business loan officer is also going to want to know how you intend to market your business to the general public. Most people do not quite understand how to effectively market their business outside of prominent signage or flyer distribution. When applying for a business loan (again in this difficult lending climate), your banker is going to want to see that you have a clear methodology of how you intend to market your services or products to the general public. In this section of the business plan – we will overview how to showcase your services/products to the general public.
Marketing Overview Example
Marketing Strategies Overview
Additionally, you will be required to further drill down (in your business plan) how you intend to implement your strategies when you launch or expand your business’s operations. In this section of the business loan and business plan documents, you should amplify the bullet points from the section above. For instance:
The Car Wash, Inc. intends to use a number of strategies that will create instant traffic and customer flow to the Company’s location. These strategies include not only using prominent facility and road signage, but also distributing flyers to people that fall into he Company’s targeted demographics. The business will also regularly take out advertisements in localized newspapers that showcase the Company’s hours of operations, car washing services, and specials that are occurring within the Car Wash’s location on a regular basis..
The business will also maintain a highly informative website that showcases the Car Wash’s services, its hours of operation, service information, licensure information, and other relevant information in regards to the Company’s services. This website will be listed on major search engines such as Google as many people now use the internet to locate local businesses.
The Financial Plan
Beyond any other part of your business loan application or business plan, the financials section of these documents are what matters most when applying for a business loan or any other type of credit facility. Ultimately, this section of the business plan showcases not only what your anticipated profitability will be, but also how you intend to repay the funds that you have borrowed through your business financing facility. An example of how this section is structure is as follows:
Assumptions
Proforma Financials for a Business Loan
Now it is time to showcase how you intend to repay your loan, generate a profit, and increase the book value of your business over a three to five year period. BusinessPlansForLoan.com has developed an easy to use financial model that you can use when drafting out the financial model for your business plan and business loan application. Through your business loan application, you will be required to have the following:
About the Author
BusinessPlansForLoan.com is a specialty website that provides content that focuses on the needs of people seeking business loans for new and existing businesses. We encourage you to visit our website if you are seeking a Business Plan for a Loan .
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Well, if the coloring pages and books that Old People–those of us past the age of twenty-five–used back in the days before they invented weather and when we all knew what a telephone wire was are fading out of mind, they are being reborn on the internet. Youngsters’s coloring pages are all over the place on the web. A whole new dimension of coloring and drawing has been opened up with the arrival of the Internet.
But today one can find a mess of websites from which you can print out top quality coloring sheets on nearly any subject that you can imagine.
Why youngsters’s Coloring Pages are Important
In addition to this fact, it’s now known that coloring is a wondrous pre-reading activity which helps youngsters develop the hand-eye coordination they’ll need for learning the way to write.
children’s coloring pages on the internet offer a bigger collection of subject material than the books in the stores can, and if your kids need broadcast coloring books you can fire up that printer of yours and create a customized, one of a kind coloring book for your child. It will only take a jiffy to print out many coloring pages, and these lead to hours of entertainment and brain kick for your kid.
However, you can also find websites that offer interactive coloring pages that need you child to work on the computer itself to fill in the pictures with colors. Often times, these interactive coloring pages are a part of an entire online community and the pages are just one of many things available to do on the website.
for example, an internet site with these pages could be about dolls, and it might also contain all shapes, sizes, and types of dolls for youngsters to play with and even create them. Their tops can become photographs on coloring pages. There will also likely be articles, games, quizzes, contests, and forums for doll lovers. Your youngster will adore being able to learn so much and be so creative with something she has got a love for already.
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Here’s another guide on Cartoon Coloring Pages
About the Author
stenostar
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Visual arts notes: ‘Art of Topaz’ at Springville Museum of Art
Testimony to Topaz Most know the facts behind our government’s shameful internment of more than 120,000 Japanese Americans during the WWII years of 1942 through 1945, even as Americans of German and Italian descent enjoyed refuge from such blanket racism. Utah’s own detainment camp of Topaz was located near Delta. Teaching more than 600 students drawing and painting was Chiura Obata, the prison …
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