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My teenage daughter has fallen in love with Harlequin romance novels.  As we head into the hottest days of the year, she only has three things on her minds: horses, college applications and romance reads.  Sure, there’s no “bad time” for romance, but like an iced coffee by the pool, summer lovin’ just hits different.  And she's sporting her bikinis from Kulani Kinis,  a trendy beachwear company off the East Coast of Australia. Harlequin Romance novels are romantic, uplifting, couple-focused stories that invite readers to get swept away to glamorous destinations all over the world, and experience all the intensity, emotion and sparkle of falling in love. The novels are typically characterized by a strong sense of passion and love, as well as a happy ending. The sensuality level is low, and the bedroom door stays shut, but the emotion is high. According to Harlequin's website, the romance genre has something for everyone! Whether you're looking for contemporary tales of modern love, red-hot erotic reads, historical romances that transport you to another era or Western romances starring the ever-popular cowboy hero, they have a book for you. The Never After series by Emily McIntire are dark, contemporary romance books that take classic fairy tales and give the villains the happy endings. Though not fantasy romance or retellings, if you love fractured fairy tales, then you’ll want to check out the Never After series! The series includes five books: Hooked (2021), Scarred (2022), Wretched (2022), Twisted (2023), and Crossed (2023). She also likes the Off-Campus Series which are New York Times bestsellers and TikTok sensations! Get ready for another binge-worthy romance from international bestselling author Elle Kennedy. Rebecca Yarros is a #1 New York Times, USA

by https://www.princetonreview.com/college-advice/scholarship-essays?ceid=sat-article&utm_source=sfmc&utm_medium=email&utm_campaign=SAT+7.11&utm_term=SAT+Promo+Learn+More+Button&utm_id=555573&sfmc_id=207523830   If you need more money to pay for college, chances are you will be applying for several college scholarships. A great scholarship essay helps the scholarship provider understand the real person behind the application and can be the key to winning the award (assuming you meet the other scholarship criteria). Scholarship Essays vs. College Essays Scholarship essays are very similar to your college application essays in terms of strategy. Many scholarship hopefuls will share the same grades, test scores, and ambitions: the essay is your chance to shine (and grow that dream college fund!). How to Write a Scholarship Essay When you’re drafting your scholarship essay, here are some helpful tips to keep in mind: 1. Start the essay writing process early. Leave yourself plenty of time to produce a well thought-out entry. Take the time to brainstorm your ideas, create an outline, and edit your entry as you would for any essay writing assignment for your English class. Read More: How to Craft an Unforgettable College Essay 2. Understand the scholarship provider’s overall mission and purpose. Each scholarship provider is looking for students who meet certain criteria. Consider writing about an experience or interest that highlights your strong ties to the organization’s mission. Genuine passion and enthusiasm for your topic will show through in your essay writing. 3. Follow the scholarship essay instructions. Make sure to follow all of the necessary steps and review them before submitting your scholarship essay. Trust us, some of the brightest students have missed out on the chance to earn scholarships dollars all because they neglected to follow instructions. You don’t want to fall into that category! 4. Steer clear from essay topics that focus on negativity or pessimism. Scholarship

Inflation surged to a 40-year high last year, likely fueled by public aid during the pandemic, previous tax cuts, near-zero interest rates, and the government injecting cash into the economy via bond purchases. Prices also rose because the virus and Russia's invasion of Ukraine disrupted global supply chains. Billionaire and crypto-enthusiast Mike Novogratz offered his take on how to invest $100,000 right now, for investors who are willing to accept more risk and those who aren't. "If they were young and had a high risk tolerance, I'd be buying Alibaba stock. I'd be buying silver, gold, bitcoin and ethereum. That'd be my portfolio," the Galaxy Digital CEO said in an interview with David Rubenstein on Bloomberg TV. For the risk-averse, Novogratz suggested his strategy make up about 30% of their investments, with the rest going into bonds and possibly an index fund. _______________________________________________________________________ What markets are saying about when to expect a recession Analysis by Krystal Hur, CNN Published 7:43 AM EDT, Sun July 2, 2023   Rising rates renew fears of recession Economists, investors and the Federal Reserve have sounded alarm bells for months that a recession could come later this year. But a growing chorus of experts believe a downturn might not happen until early next year. Here are some of those recent calls: Bank of America CEO Brian Moynihan told CNN on Tuesday that he believes the US economy could tip into a recession early next year, rather than this year like he originally predicted. Vanguard economists wrote in their mid-year outlook that they see a high probability of recession, and the “odds have risen that it could be delayed from 2023 to 2024.” JPMorgan Chase economists said in a note last week that there

https://streamhorse.tv/blog/f/a-skijor-toolbox-a-nuts-and-bolts-guide-to-equine-skijoring From https://www.leadvilletwinlakes.com/things-to-do-detail/leadville-ski-joring-crystal-carnival-weekend/ WHAT IS SKI JORING? Leadville Ski Joring is an action-packed sport where a horse and rider race down snow-packed Harrison Avenue in Leadville’s downtown, pulling a skier who’s holding onto a rope. As the horse gallops, the skier flies over jumps and spears rings set up along certain parts of the course. It’s a thrilling event to watch or join! See what the New York Times had to say about this thrilling event in The Wild West, On Skis. You can ride your horse or ski, bid on a team at the Calcutta auction, or line up on Harrison Avenue to watch the excitement! Kids can get in on the action, too, and try ski joring behind a snowmobile. WATCH SKI JORING Leadville Ski Joring is free to watch! For everyone’s safety, no dogs or drones are allowed. SATURDAY, MARCH 2 AND SUNDAY, MARCH 3 9 a.m. Calcutta (6th & Harrison Ave.) Noon – 3 p.m. Leadville ski joring – National anthem at noon, then Open division, Sport division, Snowmobile division. Awards are presented right after ski joring at the Elks Club (123 W. 5th St.). JOIN WEEKEND RACES & EVENTS! Every bit as fun as ski joring is the Crystal Carnival part of the weekend, with unique events guaranteed to put a smile on your face. FRIDAY, MARCH 1 7 p.m. Nordic ski down Leadville’s main street before the horses do! In the Harrison Nordic Knockout Sprints, you can ski the avenue under the lights. SATURDAY, MARCH 2 7 a.m. – 11 a.m. Enjoy pancakes, eggs, and sausage at the Elks Annual Ski Joring Pancake Breakfast (123 W. 5th St.). 6 p.m. Ride the Leadville Winter Mountain Bike Series – Mineral Belt Mayhem, a fat tire bike ride after dark on the 11-mile

More coming soon... PSE is required by most airlines which is what a friend has for her dog. Ray Allen Dog Supply for Vests and Everything Related to Bitework Dog Training Commands in Several Languages Compiled by Mark Plonsky, Ph.D. with lots of help from the Internet community. Copyright © 1996-2019 Note phonetic pronunciations are shown in parentheses. A slash ("/") indicates alternative possibilities. Keep in mind that the translations from English are not always literal, but rather, they attempt to reflect the terms used by native speaking dog trainers of the various languages listed. ENGLISH GERMAN FRENCH CZECH DUTCH Heel Fuss (fooss) Au pied (oh-pee-aye) K noze (kno zay) left=Volg right= Rechts Sit Sitz (siitz) Assis (ah-see) Sedni (said nee) Zit Stay Bleib (bly'b) Reste (rest) Zustan Blijf Down Platz (plats) Coucher (coo-shay) Lehni (leh nee) Af/ Liggen Come/Here Hier (hee er) Ici(e see)/ Viens Ke mne (khemn yea) Hier Stand Steh (shtay) Debout (da-boo) Stuj (stuuya) Staan Retrieve/ Fetch Bring (brrring) Rapporte (aport) Aport Apport Jump Hopp Saute (soot)/ Aller Skoc/ Hop Over Go Out Voraus (for owss) En Avant (onn-avauhnn) Vpred (va porshed) Voruit Track Such (tsuuk) Piste (piss-te) Stopa Keuring/ Zoek Guard Pass auf/ Wache Garde (guard) Pozor Bewaken (bay-wawken) Bite Packen/ Fass Attaque/ Mord Drz (dursh) Stellen Out/Let Go Aus (owss) Halte(alt)/ Donne (don-aye) Pust (pusht) Los/Loslaten (those-lawten) Speak/Bark Gib Laut (gheblout) Aboie (ah-bwaa) Parle Stekej (esteke) Blaffen (blauffen) Luid Narcotics/ Dope Rauschgift Drogue Hledej oznac Find narcotics Such Rauschgift Cherche Drogue Drogy Building/ Blind Search Voran/ Revier Cherche (Sherch) Revir (revere) Revieren (ray-fee-eren) Kennel/ Crate Zwinger/ Box Chenil Kotec Hok/ Kennel Go Outside Geh Raus/ Geh Draussen Dehors Jdi ven Naar Buiten Go Ahead Geh Voraus Vas Volno Voor

What’s the Amount of Money You Must Have to Be Considered Rich? Schwab’s survey showed Americans’ conception of being rich means having a net worth of $2.2 million. This number represents a $300,000 increase from the survey’s results last year. Additionally, statistics show that the top 2% of the United States population has a net worth of about $2.4 million. On the other hand, the top 5% wealthiest Americans have a net worth of just over $1 million. Therefore, about 2% of the population possesses enough wealth to meet the current definition of being rich.  Consider your tax bracket as well, to determine what you will be able to effectively withdraw later in retirement withdrawals versus what you pay now in earnings. Lawrence recently wrote in https://bestinterest.blog/dying-with-millions/ Dear Jesse, My wife is 70 and I’m about to turn 70, and we’ve been retired for 8 years, and even with the tough market in 2022, our portfolio is up 40% from when we retired – from ~$3M to $4.2M. But I can’t bring myself to spend more…we spend exactly what we want. But I’m now wondering – what if we die with these millions, instead of putting them to some sort of good use? Ask any retiree or any financial planner who works with retirees. Most retirees struggle to change from “saver” to “spender.” They’ve built decades of strong saving habits. Years of frugality, budgeting, and “buy and hold” investing. You can’t flip that switch overnight. As a real example, check out the chart below. It shows retiree savings going up (surprisingly!) during the 2000s. Courtesy Michael Kitces My expectation was that 2000-2008 was a terrible time for retiree portfolios, considering it was the “Lost Decade” in the stock market But the reality