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Graduating from medical school is a huge achievement that speaks to your hard work, dedication, and skill. But, rather than celebrating your success, you might feel like there's a major weight holding you down. With the massive student loan debt that comes with a medical degree, it's easy to feel overwhelmed.
You're certainly not alone. The average medical school debt was $189,000 for 2017 graduates, according to the Association of American Medical Colleges (AAMC). Worse, many students have more debt from their undergraduate studies, too.
If you have the average med school debt or even more than that, find out if you qualify for these medical school repayment options and loan forgiveness programs for doctors.
3 best ways to manage medical school debt
It's fairly common for medical graduates to put their student loans into forbearance while they complete their residency. However, doing so can cost you later on. Your loans will grow thanks to interest charges, causing your loan balance to grow over time. By the time you're ready to make payments, you could owe thousands more than you originally borrowed.
Making payments during your residency — even if they're small — can help keep interest under control. Here are three medical school loan repayment ideas you can use to better manage your debt without wrecking your budget:
1. Refinance your medical school loans
Student loan refinancing is a tool you can use to lower the interest you pay in your loans. Through refinancing, you can take out a new loan with a private lender and use those funds to pay off your existing loans. The new loan will have completely different repayment terms, including minimum payment.
If you have high-interest loans, refinancing can help you save a significant amount over the length of your loan. In fact, it's a strategy that some practicing physicians have used to save thousands.
For example, if you had $189,000 at 7.00% interest, you'd pay over $74,000 just in interest payments by the time you paid off your loan.
By contrast, if you refinanced your debt and qualified for a loan with a 5.50% interest rate, you'd pay about $57,000 in interest.
You also can look into refinancing options specific to where you are in your career. For example, SoFi has a refinancing product for current physicians.
Doctors save with SoFi
With refinancing rates from 2.47% APR
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However, refinancing is not for everyone. There are some potential drawbacks, such as losing certain federal loan benefits. Make sure you understand all of the pros and cons of refinancing before moving forward with your loan application.
2. Enroll in an income-driven repayment plan
On a standard 10-year plan, monthly payments for the average medical school debt of $189,000 are more than $2,100 per month.
Meeting this financial obligation could be a stretch for doctors right out of medical school — especially on the small salary you can expect as a first-year resident.
If you have federal student loans, consider switching to an income-driven repayment (IDR) plan to keep up with your payments on a smaller income. These programs set monthly payments to match your income and cost of living, keeping them affordable.
For example, under the Pay As You Earn (PAYE) plan, first-year residents would have monthly payments of $300 to $350, according to the AAMC.
Using an income-driven repayment plan for medical school loans won't be the fastest or cheapest way to pay this debt. But unlike forbearance, PAYE will help fight the balance creep of accrued interest.
Keep in mind that eligibility requirements and repayment structures vary. So make sure you get to know each plan before deciding on one.
3. Negotiate a physician signing bonus
Signing bonuses are a common way employers attract the medical professionals they need. In fact, 90 percent of doctors recruited through the Medicus Firm in 2016 received employment offers that included a signing bonus, reports HealthLeaders Media.
The average signing bonus offered to physicians was just under $25,000. Assuming a 25 percent income tax rate, you'd take home $18,750 of that signing bonus.
If you applied that sum to make an extra payment, you'd save $15,650 in interest on the average medical school debt balance of $189,000 (assuming a 6.50% interest rate and a standard 10-year term), according to our lump sum extra payment calculator.
If you know you want to join a practice or hospital instead of setting up your own office, look for these opportunities to get extra cash to put toward student loans.
Carefully read your contract and verify the details and conditions of your signing bonus. A signing bonus often requires a commitment to remain at the employer for a certain tenure. And make sure your signing bonus is just that — a bonus — rather than an advance or a loan you'll repay through future paychecks.
If you can negotiate a large signing bonus, it can be a great start to your medical school loan repayment. You could knock out a quarter of the average medical school debt in one payment, greatly reducing the amount of interest you'll owe over time.
Student loan forgiveness for doctors
In addition to using clever repayment strategies, physicians might look into student loan forgiveness for doctors. It can be a lifeline for physicians who struggle with the average medical school debt or owe even more.
That's probably why 3 in 5 physicians completing a residency in 2017 cited student loan forgiveness as a major concern, according to a survey from health care research firm Merritt Hawkins.
The trade-off, however, is fewer employment choices. You'll likely have to work in an area of high need or for a nonprofit hospital to qualify for programs that offer loan forgiveness for doctors. Staying eligible for student loan forgiveness through these programs also might limit your choice of pay, specialty, location, and employer.
If you're willing to make these sacrifices, student loan forgiveness programs can pay off in the long run.
Public Student Loan Forgiveness (PSLF) for doctors
Physicians whose work qualifies as "public service" can qualify for the Public Student Loan Forgiveness Program.
This is largely determined by their employer. Public service includes full-time employment by a 501(c)(3) tax-exempt nonprofit or public institution (which many hospitals are). It also includes working in areas that are underserved or have a high need for medical professionals.
Borrowers must make 120 payments (monthly payments for 10 years) while carrying out PSLF-qualified work. Then, the federal government will forgive the remaining debt.
Military programs for medical school loan repayment assistance
Branches of the military offer help with tuition for medical students who are service members. But even doctors who have already graduated and are practicing can enroll in military service and get student loan assistance.
Some of these benefits can be combined, while others are an either/or choice. Any of them can take a large chunk out of the average medical school debt.
Make sure you understand these programs and their service requirements so you know what you're signing up for.
Army doctor student loan assistance
Several student loan repayment assistance options for Army physicians exist and can help you manage your medical school student loans.
- The Financial Assistance Program awards grants of up to $45,000 per year as well as a monthly stipend of $2,000 or more to Army members enrolled in an accredited residency.
- The Active Duty Health Professions Loan Repayment Program offers up to $120,000 toward repaying medical school loans. Physicians must be on active duty to qualify, and the benefit is paid out in $40,000 disbursements over three years.
- Health Professionals Special Pay offers up to $75,000 to both active-duty physicians and doctors who are members of the Army Reserve who have completed a residency in a qualifying specialty. Payments of up to $25,000 are made over the three years.
Navy medical school loan repayment assistance
Members of the military serving as Navy physicians can take advantage of similar incentives. Here are some Navy medical loan repayment assistance options:
- The Health Professions Loan Repayment Program (HPLRP) offers a yearly maximum payment of $40,000 directly to medical school loans minus federal income taxes, which are typically about 25 percent. It's open to medical students or residents and Navy physicians.
- The Navy Financial Assistance Program offers up to $275,000 in assistance to medical residents. It's paid in grants of up to $45,000 per year for up to four years. It also includes a monthly living stipend of $2,200 for up to 48 months.
- Practicing physician sign-on bonuses offered by the Navy are also impressive. They can be between $220,000 and $400,000, depending on the physician's specialty and experience.
Air Force medical school loan assistance
The main way the Air Force helps its members pay for medical school is through its Health Professions Scholarship Program. However, this is mostly for students who have yet to complete a degree.
The Air Force Financial Assistance Program (FAP), however, can help physicians in the Air Force pay their medical school debt.
Similar to the Navy's program, it offers a $45,000 grant for each year of your residency and has a monthly stipend of $2,000.
Once you complete your residency, you'll be obliged to complete a year of service for each year you receive FAP plus an additional year.
Indian Health Services Loan Repayment Program
The Indian Health Service (IHS) is a federal health program for American Indians and Alaska Natives that offers a loan repayment program for health professionals. Those who take advantage of this program will be based in IHS facilities with the greatest need.
In exchange for a two-year service commitment, the IHS Loan Repayment Program will repay up to $40,000 in medical school loans. Physicians can renew their contract for additional student loan benefits until their debt is repaid.
National Institutes of Health Loan Repayment Programs
While many programs offer medical school repayment assistance for practicing doctors, the National Institutes of Health (NIH) offers awards to health professionals in research careers.
To qualify for the NIH Loan Repayment Programs, participants must agree to a minimum two-year contract to perform research funded by a nonprofit organization in the U.S.
Participants can qualify for $35,000 per year in student loan repayment. It also can be applied to most undergraduate, graduate, and medical school debt.
Through these eight programs, health researchers can receive student loan assistance while employed with the NIH (intramural programs) and eligible organizations outside the NIH (extramural programs).
The NIH also has two loan repayment programs for clinicians. One assists clinicians from a disadvantaged background, and the other assists clinicians conducting health disparity research.
National Health Service Corps loan repayment assistance
The National Health Service Corps (NHSC) offers loan repayment assistance to doctors and medical professionals.
NHSC Loan Repayment Program
The first option is the NHSC Loan Repayment Program. Participants commit to working at least two years at an NHSC-approved site.
This program can earn licensed health care providers up to $50,000 toward student loans. Participants also can serve as primary care medical or mental/behavioral health clinicians.
The student loan payout is tax-free and disburses at the beginning of the service commitment to maximize interest savings. What's more, program participants can apply to extend this benefit beyond the initial two years.
The length and level of assistance provided by the NCHS will depend on the area of service, with high-need areas qualifying for larger loan repayments.
Students to Service Program
For medical students in their last year of school, the NHSC offers a Students to Service Program that provides up to $120,000 toward educational costs and student loans.
In return, the med student commits to providing primary health care at an NHSC-approved site for three years post-graduation.
Medical school loan repayment assistance programs by state
There are many state-sponsored programs that help physicians and doctors repay medical school loans.
Many are offered through the NHSC's State Loan Repayment Program (SLRP). It provides incentives for doctors to practice in federally designated "health professional shortage areas" (HPSA).
These areas are listed in the AAMC's database of state-level loan forgiveness and repayment programs for medical school.
Some states also have their own student loan repayment assistance plans (LRAPs) for physicians. Most often, these plans offer student loan repayment or special pay for doctors who commit to practice in medically underserved areas.
Here are the student loan assistance programs available in each state (excluding state loan repayment programs that are currently unfunded or otherwise inactive). Some states also might have State Loan Repayment Programs that are unlisted and administered through the NHSC.
Interested in refinancing student loans?Here are the top 6 lenders of 2018!
|Variable APR
|Eligible Degrees
|Check out the testimonials and our in-depth reviews!
1 Important Disclosures for Earnest.
Earnest Disclosures
To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants will qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.
Earnest fixed rate loan rates range from 3.89% APR (with Auto Pay) to 5.87% APR (with Auto Pay). Variable rate loan rates range from 2.47% APR (with Auto Pay) to 5.87% APR (with Auto Pay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms 10 years or less. For loan terms of 10 years to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 1.82% and 5.50% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of Month/Day/Year, and are subject to change based on market conditions and borrower eligibility.
Auto Pay discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.
The information provided on this page is updated as of 08/21/18. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice. Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 302 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, email us at email@example.com, or call 888-601-2801 for more information on ourstudent loan refinance product.
© 2018 Earnest LLC. All rights reserved. Earnest LLC and its subsidiaries, including Earnest Operations LLC, are not sponsored by or agencies of the United States of America.
2 Important Disclosures for Laurel Road.
Laurel Road Disclosures
Savings example: average savings calculated based on single loans refinanced from 9/2013 to 12/2017 where borrowers' previous rates were disclosed. Assumes same loan terms for previous and refinanced loans, and payments made to maturity with no prepayments. Actual savings for individual loans vary based on loan balance, interest rates, and other factors.
Application detail: 5 minutes indicates typical time it takes to complete application with applicant information readily available. It does not include time taken to provide underwriting decision or funding of the loan.
Instant rates mean a delivery of personalized rates for those individuals who provide sufficient information to return a rate. For instant rates a soft credit pull will be conducted, which will not affect your credit score. To proceed with an application, a hard credit pull will be required, which may affect your credit score.
Total savings calculated by aggregating individual average savings across total borrower population from 9/2013 to 12/2017. Individual average savings calculation based on single loans refinanced from 9/2013 to 12/2017 where borrowers' previous rates were provided. Assumes same loan terms for previous and refinanced loans, and payments made to maturity with no prepayments. Actual savings for individual loans vary based on loan balance, interest rates, and other factors.
3 Important Disclosures for SoFi.
SoFi Disclosures
4 Important Disclosures for LendKey.
LendKey Disclosures
Refinancing via LendKey.com is only available for applicants with qualified private education loans from an eligible institution. Loans that were used for exam preparation classes, including, but not limited to, loans for LSAT, MCAT, GMAT, and GRE preparation, are not eligible for refinancing with a lender via LendKey.com. If you currently have any of these exam preparation loans, you should not include them in an application to refinance your student loans on this website. Applicants must be either U.S. citizens or Permanent Residents in an eligible state to qualify for a loan. Certain membership requirements (including the opening of a share account and any applicable association fees in connection with membership) may apply in the event that an applicant wishes to accept a loan offer from a credit union lender. Lenders participating on LendKey.com reserve the right to modify or discontinue the products, terms, and benefits offered on this website at any time without notice. LendKey Technologies, Inc. is not affiliated with, nor does it endorse, any educational institution.
5 Important Disclosures for CommonBond.
CommonBond Disclosures
6 Important Disclosures for Citizens Bank.
Citizens Bank Disclosures
|2.47% – 6.99%3
|Undergrad & Graduate
|2.47% – 5.87%1
|Undergrad & Graduate
|2.47% – 8.03%4
|Undergrad & Graduate
|2.95% – 6.37%2
|Undergrad & Graduate
|2.48% – 6.25%5
|Undergrad & Graduate
|2.72% – 8.32%6
|Undergrad & Graduate
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For decades, debates across the entire United States have raged on the issue of gambling. From nuanced changes in federal law to local initiatives, many people have advocated for the construction of new casinos and a liberalization of gambling laws in hundreds of jurisdictions. Throughout these debates, both sides have made allies that make for strange bedfellows in the lobbying process.
Online casinos are an entirely different animal and their rise has only appeared in the last 20 years or so. Many people who support gambling at-large argue that the reported issues with physical casinos are not present in online gambling and therefore these entities should be allowed.
We'll take a look at some of the arguments and try to make heads or tails of the situation surrounding online casinos.
The Current Landscape
At the federal level, there is no actual legislation that prohibits online gambling. However, not every state has laws on the books that allow for online casinos to operate in their states. In fact, only a handful of states allow online casinos specifically: Delaware, Nevada, New Jersey (and the U.S. Virgin Islands).
Multiple other states have introduced bills in recent years that would change that, but none have thus far moved beyond committee and ultimately passed their state legislatures. These states include California, Mississippi, New York and Pennsylvania, among others.
With that being said, online gambling is common among players in all 50 states. This is because prosecution against online casino players is rare. At present, the major risk falls on the heads of those operating the casinos. However, we do not recommend you break the law if you're not in a state that allows online gambling (click here for tips for where play is legal).
Arguments against Online Gambling
There are many persuasive arguments out there against the proliferation of online gambling.
One of the most common relates to how gambling is an addiction for many who do it. While physical casinos require you to travel and be on-site to gamble, online casinos can be accessed from virtually anywhere. This means that those without impulse control can more easily satiate their addictions and lose even larger sums of money.
Another argument against online gambling is based on who is likely to gamble. For the most part, poor and working-class people disproportionately engage in state-sanctioned forms of gambling like the lottery. Advocates against gambling say that making online gambling easier than buying a scratch-off ticket will only further fuel a trend of redistributing money from the poor to the wealthy.
Arguments for Online Gambling
Many individuals in both the business community and government have argued for liberalization of online gambling laws.
One popular justification is the added tax revenue each online gambling website can produce. Rather than outlaw the practice, states that legalize it can then tax the proceeds – in some cases, above and beyond that of a normal business – and use that money to fund public services (or just reduce tax burdens elsewhere).
Another argument relates to the logistics of the status quo: state governments (as already mentioned) cannot prohibit nor police end-users and keep them from gambling. While they may be able to keep casinos from operating in their states, those who wish to gamble will just do so anyway via online casinos in other states or countries.
Depending on who you ask, there are multiple arguments for and against legalizing casinos in all states. From business concerns to issues of morality, much debate has occurred and will continue as more states begin to look at their options.

subset: commoncrawl


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Sankanac CSA
Our biodynamic 15-acre garden operates as a 200 member CSA (which stands for Community Supported Agriculture). We offer shares in the garden at the beginning of each season and shareholders receive their portion of the harvest each week.
We offer a 24 week share. Members can choose to purchase either a full or partial share depending on their personal needs. A full share is designed to feed a family of about four; a partial share to feed a couple, or a veggie loving individual. The cost for a full share is approximately $750 and a partial share is approximately $430.
In the garden we grow a diverse seasonal mix of vegetables, flowers, herbs, and berries and also tend a small herd of mixed livestock (sheep, goats, donkeys). Our head gardener, Todd, and his wife, Mary, oversee this enterprise with a crew of over 10 gardeners (including individuals with special needs, apprentices, service volunteers, and interns). We are deeply committed to the use of biodynamic methods, which allows us to strengthen our fragile ecosystem as well as provide food of the highest quality to our local community. Activities in the CSA include plant propagation, greenhouse management, pruning, crop cultivation, harvesting, tractor and equipment operation and maintenance, irrigation, livestock management, composting, and making/using the biodynamic preparations.
The season begins in the greenhouse in early February. We grow transplants from seed (some of our own seed) then move on to the outside garden work in mid to late March to sow the first crops, make compost and address general spring clean-up. April and May are spent cultivating the fields and transplanting the greenhouse starter plants and further direct seeding the necessary crops. By the beginning of June we've begun harvesting and shepherding our CSA activity. As fall arrives we are making the biodynamic preparations and sharing this activity with other gardeners in the area. November brings the main summer season to a close with much stored away in the root cellar for the winter months. However, our work continues on through the winter as we plan and prepare for the season ahead, fix tools, repair fences, and collect manure from local farms to make compost for the coming season. And so the cycle continues.
Farm education is a really important aspect of our work and adds a whole other dynamic of meaning to what we do. We often host school groups or training programs. We work simultaneously with people who have many different abilities, backgrounds and ages, including disabled adults, full time apprentices, day volunteers and teenagers from the city.
Learn more about us and our harvest at our blog at http://sankanaccsa.com/.
We warmly welcome new members, although we do have a limited number of shares and most of our CSA members continue to renew their membership each year. Please email us at firstname.lastname@example.com for more information or to request a share.


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indicates every 2 miles
Bishops Hull to Appley Cycle Route
|Cycle Route Details
|Route Name
|Bishops Hull to Appley
|Distance : miles (km)
|24.81 (39.93)
|Posted By
|J Sladden
|Calories Burned
|(login and provide your weight for more accurate calories burned)
|Cycle Steps
|Quiet country lanes with some steep hills. Initially follow National Cycle Route signs to Thorne St Margaret. Turn right towards Appley, past Globe Inn. Follow signs to Bathealton - through village then turn right and right again direction Milverton.At Milverton follow main street to Globe Inn- turn right down hill - turn right- uphill - turn left at crossroads- turn left at Oake golf course- turn right at Oake primary school, turn left to Hillfarrance and rejoin Nationa Cycle route 3 back to Bishops Hull
|Landmarks/Pubs for lunch/Sites to see?
|Refreshements The Globe at Appley and the Globe in Milverton
|Cycling Clubs located in this region
|Bridgwater C.C.
|Cycle Somerset
|Shipham Mountain Bike
|Somerset Road Club
|Tor 2000
|Wessex Wheelers
|Your comments?
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Watch Streaming Cinderella Online in HD Full Movie
Watch Cinderella Online in HD
Date Released : 13 March 2015
Stars : Lily James, Cate Blanchett, Richard Madden, Helena Bonham Carter
When her father unexpectedly passes away, young Ella finds herself at the mercy of her cruel stepmother and her daughters. Never one to give up hope, Ella's fortunes begin to change after meeting a dashing stranger.
The story of "Cinderella" follows the fortunes of young Ella whose merchant father remarries following the tragic death of her mother. Keen to support her loving father, Ella welcomes her new stepmother Lady Tremaine and her daughters Anastasia and Drizella into the family home. But when Ella's father suddenly and unexpectedly passes away, she finds herself at the mercy of a jealous and cruel new family. Finally relegated to nothing more than a servant girl covered in ashes, and spitefully renamed Cinderella since she used to work in the cinders, Ella could easily begin to lose hope. Yet, despite the cruelty inflicted upon her, Ella is determined to honor her mother's dying words and to "have courage and be kind." She will not give in to despair nor despise those who abuse her. And then there is the dashing stranger she meets in the woods. Unaware that he is really a prince, not merely an employee at the palace, Ella finally feels she has met a kindred soul. It appears as if her …
Instantly Play This Movie in High Definition!
Review Cinderella :
A beautiful retelling of a timeless story for the new generation!
The story of Cinderella can be traced back to early Egypt, China, France, Germany and many other countries from around the world. The most well-known versions were written by Charles Perrault, Cendrillon, and by the Brothers Grimm, Aschenputtel. There have been countless film, television and stage adaptations of the iconic story, but the most well-known adaptation is Walt Disney's 1950 animated film.
I first fell in love with Walt Disney's animated film when I was just three-years-old. It was actually the first Disney film that I ever saw as a child. I can still remember being captivated by the story and singing along with the songs. It was as though a spell had been cast upon me, but the magic never wore off at midnight. There were no words to describe the level of excitement I had when I first found out that Disney was developing a live-action film of the timeless story.
Tonight, I had the opportunity to attend an advance screening of the upcoming live-action version of Walt's most beloved animated film. What I enjoyed most about the latest "animation to live-action" treatment, is that it's a relatively straightforward telling of the iconic story. While Alice in Wonderland and Maleficent were re-imaginings, Cinderella is retold respectfully for the new generation.
Lily James (Cinderella) and Richard Madden (Prince Charming) were rightfully chosen for their iconic roles. Lily truly captured the true essence of Cinderella's charm and beauty. Richard… those eyes… ahem… was truly charming in every sense of the word. I loved the chemistry between the Prince and Cinderella — I don't think I've seen such chemistry between two characters in a Disney film for a very long time. It's very refreshing to see a fairy tale romance blossom!
Cate Blanchett (Lady Tremaine) and Helena Bonham Carter (Fairy Godmother) were perfectly cast for their respective roles. Cate not only brought a lot of depth to her character, but you could tell she was enjoying the role as the malicious stepmother. Helena not only brought a bit of comic relief to the film, but she was definitely fun to watch — although you can't help but wonder if Mrs. Weasley actually zapped Bellatrix Lestrange into a parallel universe. Hmm?
I personally believe that Disney made the right decision to hire Kenneth Barangh to direct the film and Chris Weitz to write the screenplay. As I was watching the film on the big screen tonight, I could tell that they both approached the story with deep understanding and, most importantly, respect. I was genuinely relieved that it wasn't ruined by some unnecessary "dark" and "edgy" plot twist. Phew!
I absolutely loved Patrick Doyle's score for the film and found it to be quite fitting with the story. It was perfectly timed and it drew you into the fairy tale world. I will definitely buy the soundtrack when it's released next month. Sandy Powell's costumes, though silly at times, were excellent. I don't think I've seen such beautiful designs in one film since the Golden Age of Hollywood. I genuinely hope Sandy will be nominated for an Oscar for those stunning costumes. Bravo!
The film itself is a visual marvel — especially for the fairy tale genre. I was truly swept away by the lavish sets that were designed by Dante Ferretti. I don't think I've seen such a breath-taking production since the late 1930's. The special effects were equally breath-taking, with the dress transformation and the carriage-to-pumpkin scenes being two of my favourite visual highlights. I'm genuinely happy that Disney kept the magic alive in this film. Very impressive!
My only disappointment was the running time of the theatrical cut. I personally believe that it should have been 10 minutes or 15 minutes longer to flesh out the story more. The film flowed smoothly and didn't feel rushed, but there were a number of scenes and dialogue that were, unfortunately, left on the cutting room floor. Hopefully Disney will release an extended cut, or include those deleted scenes on the home media release. You hear me, Disney?!
Despite my issue with the running time, I genuinely believe that Disney did something right with their latest live-action film. While most people were probably expecting a sword-wielding action hero, I'm happy that Disney treated their most beloved character with the uttermost care and respect. The story of Cinderella is very personal to each person who has felt like the underdog, but managed to rise like a Phoenix from the ashes in the end. If Walt Disney were alive today, I'm sure he would be proud to see his most treasured little savior be retold to the new generation in a beautiful and charming way. Bravo!
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In the spirit of Christmas I will give you the 12 Organizing tips for Christmas – may this be a time off less stress, less effort and with expenses that you've expected.
For most of us, December is a busy month, Christmas is a big event irrespective how you celebrate. Even if you are trying to avoid or ignore it, it still comes with busyness and expenses unheard of other times of the year.
I hope that with these 12 Organizing tips for Christmas, you feel more organized and can enjoy this time a year just that little bit more.
Let's get started........
Let's start with something really nice the list of presents we will give our loved ones.
I have created a simple excel file containing number, name, present and cost associated with the present.
Personally I like to buy one main thing and several smaller presents. I also have some back up presents (normally lovely boxes of chocolate – bought when they were on discount ;-o) for those occasions when someone gives you a gift and you really didn't expect it.
You can download the excel sheet here, use the arrow button to check if you are buying too much for one person.
Note: Use the sum button to check the total amount for all presents or for one particular person.
Us organizing folks do have Christmas stresses and expenses just like anyone else, it is the way we deal with it that is different. I have written an extensive article about budgeting via YNAB (You Need a Budget), a software which I absolutely love. Don't wait till January to find out you have overspent, know it early and have the space to make some creative tweaks to your budget or take the extra shift at work.
The suggested time frame for tip 1 & 2 (in an ideal world) is around 6 weeks before Christmas.
Although normal postage cards have gone somewhat out of fashion, a lot of us still sent handwritten Christmas cards. If we want to do this very organized, we firstly, need to ask ourselves how many cards we want to send out and where to. In my case every year we have cards without postage, standard (domestic) postage and international postage for my friends and family overseas. Once we made a quick tally of the cards we need, we can check if we still have some Christmas cards for last year (believe me, people will not remember if you sent a similar one last year) and if we need to buy new ones. We then also need to double check the stamps we require for our postage endeavors.
Once we got all those cards, let's get ourselves comfortable and write the things. It can be short and to the point or you might want to write a nice story of the year that has been.
Address the cards (something I dislike so I either print the addresses or work on them in batches) and to complete this cycle we need to put them in the letter box. Pick a time and day to do this, otherwise you carry them with you for days or weeks, you'd done all this work and the last thing you want is forget to post them.
Congratulate yourself on doing your Christmas cards; early, well and systematic
~ How organized are you? ~
Overall Organizing Note:
Our topic in this article is Organizing tips for Christmas, a small clear focus in the overall scheme of organizing advice. If you look closely you can see some of the pitfalls of well (my) meaningful tips and advice. The Christmas cards are presented as two organizing tips for Christmas (tip 3 and 4) but are actually; nine separate jobs we need to be aware of, as well as need to allocate time and resources to.
Best time to do work on your cards is around 5 weeks before Christmas
More organizing tips for Christmas here……………………


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DEAN MACFARLAN Managing Partner, CEO
I am the founding partner and Chief Executive Officer of Macfarlan Capital Partners. With over 40 years of industry experience in the development, acquisition and sale of investment properties exceeding the $1 billion mark in value, I provide the vision, strategic guidance and entrepreneurial leadership to our company.
More about my history...I started my career at Hank Dickerson and Company, a major Dallas real estate brokerage firm, where I learned the commercial brokerage business from the ground up. After four years with Dickerson, I took $250,000 in personal savings and a vision: not to be the biggest, but to be the best, real estate investment company in the region and established DDM Investments in 1984. My national reputation has been developed based on three guiding principles: providing investor partners and clients with superior investments based on quality real estate, cultivating an efficient investment process, and a developing a team that is committed to integrity.
Why I Love it Here
I love working at Macfarlan because I believe we have a unique team with a clear vision, an unwavering commitment to our core values, and a desire to serve our customers through solving complex problems in order to create great returns for our clients. I love my job because it gives me the opportunity to do something I think I was created to do: lead and motivate a team toward a common purpose and accomplish more together than we ever could on our own.


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Limiting radiation, costs should be objectives, researcher says
WEDNESDAY, Dec. 3, 2014 (HealthDay News) -- Many American children receive unnecessary chest X-rays, according to research findings scheduled for presentation Wednesday at the annual meeting of the Radiological Society of North America (RSNA), held from Nov. 30 to Dec. 5 in Chicago.
Researchers examined the reasoning behind 637 chest X-rays given to patients ranging in age from newborns to 17 years at the Mayo Clinic between 2008 and 2014. Of those X-rays, 88 percent did not influence treatment, the investigators found.
X-rays were conducted on children with issues such as chest pain, fainting, dizziness, postural orthostatic hypotension, cyclical vomiting, and a general feeling of being unwell or under distress (spells). Thirty-nine of the X-rays for chest pain were positive for pneumonia, bronchial inflammation, trauma, or other conditions. But chest X-rays had no effect on treatment for any of the children with fainting, postural orthostatic hypotension, dizziness, spells, or cyclical vomiting.
"Chest X-rays can be a valuable exam when ordered for the correct indications. However, there are several indications where pediatric chest X-rays offer no benefit and likely should not be performed to decrease radiation dose and cost," study author Ann Packard, M.D., a radiologist at the Mayo Clinic in Rochester, Minn., said in an RSNA news release. Packard noted that limiting radiation exposure and costs are important objectives in health care. "This study addresses both of these issues, which is important not only for physicians but also for young patients and their parents," she said. "I would like this research to help guide clinicians and deter them from ordering unnecessary exams which offer no clinical benefit to the patient."
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Live Well: All About Oscar
Friends, you are lucky enough to know someone who has seen all nine of the 2014 Best Picture nominees (hint: it's me). In the lead-up to Sunday's highly-anticipated Oscar ceremony, I thought I would provide you with a few opinions about this year's nominees, just in case you haven't seen any of these movies but want to seem knowledgeable during Academy Award conversations (that's what I'm here for!). So, I present to you: four random things I want to say about this year's Oscars.
1. If you only watch two movies.....
I would recommend that they be Her and Dallas Buyer's Club. Don't get me wrong - all nine of these movies are very good. But for me, Her and DBC transcended "good" and made impacts on my brain that will still be there ten years from now, albeit for very different reasons.
With Dallas Buyer's Club, I left the theater thinking "I would like to see that movie again." Not only did DBC get Texas so right (it took me a few minutes after it ended for me to remember that I was in San Francisco and not in Houston - true story) but it's a wonderful, stirring example that hard work, perseverance, and plenty of charisma can get you a lot of places in life. I just loved it.
Her was almost on the opposite side of the spectrum - it left me with a bone-level deep kind of sadness. Maybe that doesn't make you want to run out and see it, but bear with me - in the end, I don't think it had a thoroughly pessimistic view of humanity. Her is a movie that tests the boundaries of human relationships so thoroughly and so enjoyably that you will not be able to stop thinking about it for days. Add to that its absolutely gorgeous aesthetic, amazing soundtrack, and spot-on humor and you have what can only be called a masterpiece. Seriously, you need to watch it.
2. Make it the year of Matthew McConaughey.
Alright, alright, alright.
It's been interesting to see the reaction to Matthew McConaughey's nomination for Best Actor. For many, I would imagine that it seemed laughable that the guy who once melted hearts in How to Lose a Guy in 10 Days would even be considered for an acting award. However, for those of us who have been following his work over the past few years, this seems immensely well-deserved.
Starting in 2011, Matthew McConaughey started appearing in or at the helm of every good movie made about Texas or the South. Bernie, Mud, Magic Mike, and finally Dallas Buyer's Club all painted pictures of a way of living that rings true in the hearts of all Texan and Southern children (and stirred deep homesickness in the hearts of certain Texan expats - not naming names). And he's done even more work in this realm - Killer Joe, The Paperboy, and True Detective all fall in the same category. What McConaughey was once to romantic comedies, he is now to movies about the Southern experience - and he's somehow made every character an entity all to themselves. To see him win that Oscar would, for me, be a the best reward for watching him return to his roots - by which I mean movies like Dazed and Confused, obviously.
3. It's all about the boys.
Take a look at those movie posters. Do you see a lot of women? You know the answer. This year's Best Picture nominees largely told the stories of men - something I find interesting (and undoubtedly worthy of far more analysis). But now is not the time for that analysis - I just think it's worth noting that only two of the nine Best Picture nominees were about a central female character (Gravity and Philomena) which means that basically every woman that appeared in a major role in the nine films above received an acting nomination (not including Margot Robbie, who played the second wife in Wolf of Wall Street [a role that wasn't exactly Oscar-worthy] or Scarlett Johansson who played the voice of the operating system in Her [and it's a total shame that there isn't a great award for that]).
Contrast that with the intense competition in the Actor categories - I mean, we're living in a world where Tom Hanks and Joaquin Phoenix didn't even get nominated. A world where Christian Bale is expected to have zero shot at winning in his category. That's craziness. While I enjoyed all of these movies, I can't help but hope that more movies about women are made, recognized, and rewarded next year.
4. And after it's all over...
Before Midnight will still maintain it's special place in my heart. It was one of only two movies that weren't nominated for Best Picture to be nominated for Best Screenplay (Blue Jasmine is the other), an honor that is 100% deserved. I don't think the Academy Awards have rewarded Before Midnight and the body of work it's a part of enough, but whatever. That trilogy doesn't need awards to cement itself in hearts and minds.
Did you guys watch these movies? If so, what did you think? I'd love to hear what you loved, what you hated, and what you think will win.
Have a great day!


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Love to sing? The River House has a new chorus! The River House Community Chorus will be lead by Elizabeth Podsiadlo - voice instructor at Honeybee Music Studios.
Elizabeth Podsiadlo owns and runs Hampshire Honey Bee Music in Romney, WV. She has studied a taught voice and piano for more than 15 years. Her specialty being free and unimpeded vocal production, which stems from an understanding of "belly breathing" This type of breathing will free the voice and bring more comfort and color into the voice of each singer. The understanding of "color" comes into play as well, as we learn that each voice has a different timber or color which can be manipulated by the singer through "breathing and facial movement" We will learn how to blend these colors to make a choir produce a unified sound.
The understanding of the belly breathing and the facial movement will be taught through breathing exercises and vocal exercises. These can be very fun and will oxygenate those participating which can lift mood and increase health.
There is an opportunity to sing a song or two at a WW! Concert as well as carol at the tree lighting ceremony in Capon Bridge!


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Special Reports
Normal life continues, too
The sun didn't know what day it was. It rose over Pierce County and beamed at the dew. Birds sang. Alarm clocks beeped and buzzed. Schoolchildren trudged to bus stops.
On another Wednesday, life went on.
At Red E Espresso on Pioneer Way East, Tonuah Trujillo brewed drinks by the dozen. Customers pulled in front of her drive-up window and handed her red cards. She handed them back with two new holes. Wednesday is double-punch day.
It was another day, too: Sept. 11 - an anniversary many customers couldn't ignore.
"A lot of people are actually complaining because that's all that's on the radio," said Trujillo, 25. "Most people are just talking about traffic and getting their kids off to school."
Beyond the insistent murmur of memorials, daily routines set a familiar rhythm. Workers headed for jobs. Cars crowded freeways. Some bumped into each other, and earned brief fame on radio traffic reports.
People were born. People died.
People broke the law and fell beneath its weight.
Pierce County sheriff's deputies responded to 1,046 calls - traffic stops, domestic violence cases and auto thefts, mostly. But the numbers were lower than expected.
"Just like any other day," said sheriff's spokesman Ed Troyer.
At the County-City Building, judges and juries plowed through a full calendar. Superior Court Judge Gary Steiner ran the morning drug court, showing little patience for defendants with excuses.
A blonde woman with hollow eyes was the next defendant. Her drug treatment wasn't working. She was missing court appearances and failing drug tests. On Aug. 28, she tested positive for meth. The next step was jail.
The woman begged. She just started a job, she said. She had two kids she had to take care of.
Steiner didn't budge. He sent the woman to jail for a week - until her next hearing.
"If you lose your job, it's because you use drugs," he said. "I don't know what kind of job you do - I wouldn't have you run copies."
"My kids," the woman whispered.
"Don't lay this guilt on me," Steiner said.
Far from Steiner's courtroom, Annie Tyner, 72, nursed string beans and white potatoes in the September sun at Madison and North 21st streets. She gardens whenever she can, and gives her vegetables to anyone who needs them.
"As long as I'm able, I'll be gardening," she said.
Dana Roane, 37, stood in the emergency room at St. Joseph Medical Center and held his right arm with a grimace.
"I have a herniated disc in C5," he said, using the technical name for the spot in his spine that sends pain knifing into his neck and shoulder. Roane, a Tacoma resident, runs a jackhammer for a construction company. He said he won't be doing it anymore.
In the Proctor District, George Flink, 74, wondered why cars were gathering at Mason United Methodist Church at North 27th and Madison streets.
"Guess they had some music this morning," Flink said.
As a choir prepared to sing Mozart's Requiem in honor of Sept. 11 victims, Flink mowed the back alley for his friend George Sudar.
Sudar has a bad back. It hurts to mow. So Flink does it for him.
"I'm retired," Flink said. "So I can help him out. I raked his leaves up for him. Raked 'em up Monday. Probably have to do it again tomorrow. Hell, that's nothing. Poor George and his back."
Seeing Flink, George Sudar stepped out of his house to chat.
"He's our key man on this block," Sudar said. "Helps all the whole neighborhood an awful lot. He's a great neighbor."
"George," you're overdoing it," Flink said.
"I'm just saying what you do, George."
Willard Ott, 58, and Rob Sinclair, 57, spent the day painting Sinclair's new house on Junett Street.
"Been a good day," Ott said. "Listening to the radio to make sure nobody sneaks up on us, but other than that, it's been a good day."
At the Pegasus Restaurant in the Port of Tacoma, the lunch rush included two men - one older, one younger - who talked religion in a corner as they pushed the crusts of sandwiches.
"God hates evil," the older man said. "He hates lying. Let me explain."
At the Tacoma Humane Society, 33 cats and dogs were adopted, 59 strays came in, and 30 animals were euthanized, including one wild bird. Two relieved pet owners claimed lost dogs. A woman named Carolyn Boyd gave in to her sons and adopted a gray kitten.
"We have another at home," she said. "He needs a playmate."
At Tahoma Cemetery, Jenny Hamilton, 42, said goodbye to her dad. Eatonville resident Ray Jameson, 66, died last weekend after a battle with cancer.
"An awesome man," Hamilton said. "He was a quiet man, but very much involved with our family. He loved my mother very much - got married when he was about 35 and took on two pre-teenage kids and took us on as his own kids and raised us."
At first, the family wondered about scheduling Jameson's funeral on Sept. 11. But Hamilton said it made the occasion more memorable.
In the maternity ward at St. Joseph Medical Center, Paul and Andrea Rich greeted a daughter, Sophia Patricia Diane Rich, born at 6:48 a.m. She weighed 7 pounds, 8 ounces.
She came two weeks early. The date was a coincidence.
"I'm kind of glad," said Paul Rich, 28. "It would be kind of sad to live the rest of your life thinking the 11th is always going to be a sad day where nothing happy ever happens. That sad day is still there, but this is more important to me."
"It just shows the ring," said Andrea, 26. "People pass and people come. It's - it's miraculous. You can't put it into words."
Sean Robinson 253-597-8486