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* “Photoshop CS” stands for _Content-Standard._ Photoshop CS is the current (2013) version of Adobe Photoshop. You get the _CS_ as an indication that it is the latest version. Photoshop CS was released in 2003.
* “Layers” is an important part of Photoshop. A _layer_ enables you to add color and other edits to your images. You can combine separate areas of your image into one, single layer, or you can add other layers to your image by grouping related layers.
* The third wave of Photoshop is the Lightroom-first environment. It’s good news for photography in this day and age. Lightroom is an Adobe program that is used to open your images, as well as manage them. It enables you to edit them and organize them. It saves your images into folders by date. You can apply different edits to different folders, and you can even save them to your preferred e-mail service for fast delivery. Lightroom is a no-cost download from Adobe and is available for both Windows and Mac. I highly recommend it.

If you’re looking at your images without opening Photoshop or Lightroom for the first time, here are a few pointers to keep in mind:

* The most familiar interface of Photoshop is the _Arrange_ tool. Using this tool, you can reposition and move your images. It’s called the Arrange tool because it contains all the things you can do to an image: You can place it on the screen, turn and tilt it, and even rotate it. This tool is located on the primary menu. With it, you can move an image to a new location and keep it separate from other images on your screen. If you have several images displayed on your screen at the same time, you can move images within their respective groups or move an image into another group, so they are not mixed up.
* If you have several images displayed, you can use a combination of the Arrange tool and the Select tool. The Select tool enables you to select objects and move them on the screen. It has three tool modes:
* _Free Select:_ This tool selects everything but the current image.
* _Lasso Select:_ This tool is similar to the free Select tool. However, the Lasso Select tool selects the entire image, including the background. You can then manipulate and move that object into a new location on the screen


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Photoshop Express is a stripped-down version of the advanced image editor Photoshop designed for iPhone users. At the time of writing, it has 19 million downloads.

This list was created with the help of Smashwords. If you think that you should be listed here, please let me know. The list only includes the top 500 books.

Visual Lounging Time: Photoshop for Non Designers by Charles Cardigan (2012)

Learn Photoshop’s most powerful and accessible features. This book guides you through the ins and outs of Photoshop’s most powerful features, creating your own basic images and retouching them with Photoshop.

Everything You Know is Wrong by Sean Greenwood (2012)

This book will show you how to create highly realistic images in a matter of minutes. One of my favorite chapters explains how to make a stop-motion animation from a single photograph.

Photoshop: Mastering Light and Color Photography by Kristina Hooper (2013)

This is a great Photoshop book for photographers. This book explains how to use the Photoshop product in a way that you’ll be proud to show to friends.

Photoshop elements 15 essentials guide by Nick Worby (2012)

The author got Photoshop for free by submitting articles to photoshop elements and then worked on it full-time for the next year and a half while living on nothing but Skittles and coffee. This book is a collection of helpful Photoshop tutorials that he wrote and put together to help people understand Photoshop. The book includes information on topics such as: What makes Photoshop work, vectors, editing photos, dithering, using the paintbrush tool, darkening images, and more.

Photoshop Elements Plug-In Bible by Adam Burns (2012)

This book shows you how to create a lot of images using the tools included in Photoshop and other tools such as Lightroom, Photoshop Express, Articulate Studio, and After Effects.

Photoshop Lightroom: Get Better Photos Faster by Scott Kelby (2013)

Scott talks about the use of Lightroom for people who are looking to learn more about how the program works. He explains some of the features, how to switch between multiple projects, and gives suggestions on how to work with Lightroom. Scott also includes tips on using and optimizing Lightroom for photographs and videos. This book is a great book for anybody who uses Lightroom and wants to be able to take their workflow to the next level.

Visual Lou
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2936/(-138))/(-6)?
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Calculate ((-42)/(-49))/(-9*4/(-588)).
14
What is the value of -6*((-1)/(-4))/((-1620)/(-720))?
-2/3
((-2790)/(-1225))/(2/30)
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Calculate ((-22)/(-11))/((-24)/(-576)).
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What is ((-22)/(-4))/(11*(-25)/550)?
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(-21)/35*(-1)/((-21)/(-14))
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Evaluate ((-9)/(-21))/(22/(-44)*(-4)/14).
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(-2)/((-63)/(-6)*((-33)/231)/(-3))
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(-1)/((-5)/10*(-6)/6)
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((-87)/58)/(3/8)
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Evaluate (-1)/5*-30*12/(-72).
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What is (1/(-1))/(47/705*3*-5)?
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4/45
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Monday, 11 October 2011

Home Ownership Update

As this blog has been quite silent of late, I thought it best that we could start an update by addressing a question that has been asked of myself and Matt a number of times.

The recent housing market crash, which saw the average UK home price drop by about 10%, is being attributed to a number of factors including global economic turmoil and, more specifically, the reduced availability of credit resulting in banks tightening lending standards.

In January 2011, a few weeks after the Cambridge buyers’ mortgage to buy was brought forward to a 12 month term and at a lower interest rate, we had a private meeting with a mortgage broker who was offering us a 75% mortgage, lower than we needed to get in the bank, given that I work two jobs and carry 50% of the mortgage.

We signed on the dotted line and got a mortgage of £155,000 for a mortgage of £105,737.

Fully aware that anything can always happen that could affect the market, we kept any eye on the UK housing market and made a few phone calls to a few mortgage brokers to check if anyone had any better offers on the table.

I made the call to a broker with a long standing relationship with the lender and would not go to any other in light of their conflict of interest. I also asked a couple of friends and told a couple of them that we were going to be talking to them soon.

We did not know what would happen in the 2 months time, but I also didn’t expect to be speaking to them so soon.

Out of the blue, we got a call from the broker and said that they had offered a two year fix and a six month extension at the same terms as the previous offer. They said that they would like to discuss further and would we be available to see them the following week. We agreed to meet them on the Friday and we subsequently agreed the extension.

The following week we received a call from them and the terms were confirmed. We knew that we were now getting a mortgage of £155,000 for a mortgage of £105,737 and it was clear that the number to beat in the current market was £160,000 for £105,000, and with the reduction in the price of the house, that is the mortgage that we had.

Although we never spoke to the broker again, it was fairly clear to us that


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OS: Windows 7 (SP1) or Windows 8 (32 bit or 64 bit), Windows 10 (32 bit or 64 bit), Mac OS X 10.9 or later.
Processor: Intel Core i5-750, 2.67 GHz or later; or AMD Athlon II X2 250 or later.
Memory: 4 GB of RAM (8 GB recommended for Mac OS X).
Hard Disk Space: 2 GB of free space is required.
Internet Connection: Broadband connection recommended.
Video Card: NVIDIA GeForce GTX 760, AMD

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