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Mortgage Prequal v/s PreApproval - all the same....right?
Here is a question that we do get from time to time.... from both Sellers & Buyers:
A Mortgage PreQualification or PreApproval - pretty much same thing... right?
..... So we asked Derek Altoonian of the Marcel Deitrich Team with WR Starkey for their explanation....
So… what's the difference between a Pre-Approval versus a Pre-Qualification and why does it matter? In simply terms, the main difference between a pre-approval and a pre-qualification: income and asset documentation.
A pre-approval means that the loan officer has pulled credit, and collected enough information to fill out a mortgage application to form the details of the loan to purchase a new home. Additionally, a buyer has furnished paystubs, tax returns, and asset statements that show their viability to be approved for a mortgage. We have even gone so far as to underwrite the borrower without a potential address to make sure that there are no "surprises" when the borrower's "dream home" is found.
A pre-qualification is when a loan officer pulls credit to see if the buyer has a qualifying credit score, and gathers enough information through a verbal interview with the buyer to fill out a mortgage application to see how much buying power your client has. There is often zero documentation with a pre-qualification.
We believe the Pre-Approval is, obviously, much more meaningful to sellers in today's marketplace. The more thorough analysis of the buyer's income, assets and credit ensures the greatest chance that the pre-approved buyer will fund on the purchase.
- The Deitrich Team - 972-672-3246 - www.marceldeitrich.com - WR STARKEY MORTGAGE, LLP NMLSR#2146
Thank you to Marcel & Derek.
The "Take Away" - as a Buyer seeking every advantage in this low-inventory & competitive market, the extra work to achieve a Pre-Approval v/s a Pre-Approval may make all the difference to a savy Seller reviewing multiple offers!
- Christie Cannon

subset: commoncrawl


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Bit late getting this up, but, ya know, disabling Con Plague was had.
NYCC was AWESOME!!!! I cannot wait for 2016!
This was The GeekERIE's first time going to the Con as an educational pro (in the person of Sean here), which meant that I got to meet people like The Comic Book Teacher, The Other Comic Book Teacher and Alex Simmons who gave us full visions of how they make comics and gaming and writing and creating safe spaces for kids part of their teaching lives. It's an amazing bar to reach, but also one that is worth reaching. Seeing the programs they have created makes what we want to do at The GeekERIE seem not only possible, but probable. All that inspiration is going to last a looooong time.
Also, I had ramen every day. Fresh, delicious ramen.
Jibberbun and I got an undeserved and kinda strange write-up over at Gothamist which was an amazing cap to an amazing weekend. OH! The actual cap to the weekend was going to The Brooklyn Strategist with my friend Josh to see what a game store/learning center looks like in practice. It was beautiful. Seriously, I almost cried. The GeekERIE has another idol to look up to and emulate.
Big announcements are coming in the next few weeks, so keep an ear out. I'll probably be shouting them to anyone within earshot. Maybe further. It's exciting, moving-forward stuff.
In the meantime, enjoy these pictures from NYCC 2015:


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Call our quote line
The Dogs Trust has released the findings of its yearly Stray Dog Survey, showing that microchips have helped save the lives of more than 8,000 dogs in the last year.
The survey, taking figures from the beginning of April 2012 to the end of March 2013, shows that around 1,000 more dogs have been reunited with their owners this year, thanks to their microchip.
It also revealed that 112,000 stray and abandoned dogs were picked up by local authorities across the UK throughout the 12 month period. While this is a six per cent decrease on last year's figures, it still equates to 307 stray dogs being found each day on average. Furthermore, the survey found that 9,000 stray dogs had been put to sleep in the UK during that same period.
The overall percentage of stray dogs reunited with their owners this year was 48 per cent, while 25 per cent were rehomed by welfare organisations, nine per cent by local authorities and eight per cent were put to sleep. Simple steps, such as microchipping, can help prevent accidental strays and the survey results reminds owners to ensure that their dog is microchipped and that their contact details are up to date.


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Targeting the activists in Bahrain is taking violent forms, and attempts to physically harm them that reach close to murdering
Right: The injury of the activist Hassan Marzooq, Left: the activist Ali Mawali at the ICU
Ali Al-Mawali is in the intensive care unit; Zainab Al-Khawaja gets seriously injured and Yousif AL-Mahafdah was beaten.
Targeting the journalist Reem Khalifa and the leaders of the political societies during the violent repression on the demonstrations, is to narrow down the rest of the margin of the freedom of expression and assembly.
10 July 2012
Bahrain Center for Human Rights continues with deep concern to monitor the increasing frequency of the use of unjustified excessive violence by the authorities in Bahrain to prevent the rallies and peaceful marches including those with official notification. Despite the violent suppression of all the demonstrations and peaceful marches since 16 months with the justification that they were not licensed, but that suppression was expanded nearly two weeks ago, when the security forces in Bahrain proceeded to prevent gatherings and marches led by the political societies, and which are peaceful marches with official notifications and in accordance with the procedures of the local law, and that comes within the framework of the right of expression and assembly as guaranteed by all international and local laws and conventions.
Following up the situation by Bahrain Center for Human Rights, it has been revealed the Bahraini security forces is exercising extreme violence and is using various types of unnecessary weapons to break up the opposition rallies and marches and the peaceful demonstrations that come out every day in the areas and villages since February 2011, which caused many injuries, wounds and chokes for many citizens, especially that the attack begins in most cases without a prior warning.
Because of the severe injuries suffered by numbers of leaders of associations of the political opposition; human rights activists and citizens who participated in the rallies and marches, and after investigation held by the Monitoring Committee at the center, it was found that some of those injuries resulted from intended targeting of the personalities, the opposition leaders and human rights activists to directly abuse them, and which in some cases reaches up to an attempted murder and physical killing, what constitutes a crime with premeditation.
Attacking the participants in the rally organized by the opposition societies in Bilad Al-Qadeem and severe injuries:
On Friday, June 22 five opposition political societies (Waad – AL- Wefaq – Nationalist Democratic Assembly – Unitary Assembly – AL-Ekha); licensed political associations; called for a rally that starts out from Bilad AL-Qadeem area until the South Sehla area, which is a road that witnessed the demonstrations organized by the opposition societies. However, the Chief of Public Security, Mr. Tariq Hassan has said to prevent that march and warned of the participation in it, but with the insist of the opposition societies on the exercise of their right for assembly and peaceful protest and the rejection of arbitrariness in the law, they have proceeded with the organization of the march despite the ban.
At the time of the march, number of leaders of the political societies and activists gathered and tried to demonstrate in the specified street, but the security forces, who were standing near by and at a distance of two meters prevented them through direct firing on them by using rubber bullets, stun grenades and tear gases excessively.
Despite the fact that the number of people gathered was small but they have been exposed to heavy and very close firing, and with a direct targeting to the upper parts of their bodies, which resulted in serious injury to an active young man (Ali AL-Mawali) who had a deep break in the skull due to a direct shot into the head. Ali Al-Mawali remains in the intense care unit and was in the case of a coma up until 09 July 2012 after having two surgeries in the head[1]. Besides, the General- Secretary of AL-Wefaq association, Sheikh Ali Salman, was injured in the shoulder and chest with rubber bullets and tear gas bomb. The Deputy General-Secretary of the Unitary Assembly; Hassan Marzouk; was also injured with a fragment from a stun grenade in the neck after which he was entered the hospital.
Additionally, the monitoring official at Bahrain Center; Yousif AL-Mahafdah was beaten by a member of the security forces and who tried to steal Yousif's mobile phone which caused him to complain about it in the police station, however, the fate of this complaint is still unknown in light of the culture of impunity in Bahrain.
Attacking the demonstration in Buri area and serious injury of the activist Zainab Al-Khawaja in the leg:
In the same context of pursuing violence against protesters and peaceful marches in Bahrain by the Bahraini authorities, one of the peaceful demonstrations that went out on 27 June 2012 in Buri area was violently attacked by the mercenary troops after less than 5 minutes from the beginning, using suffocating gases and the internationally forbidden shotgun, resulting in number of casualties among the demonstrators. It seemed clear from the nature of their way of shooting openly and directly at the demonstrators that the intention was not to disperse them, but to result in maximum casualties among them.
In spite of the presence of the human rights activists Zainab Al-Khawaja and Yousif AL-Mahafdah who were trying to monitor and document the ongoing violations, but they were far from the line of fire of the Bahraini security forces. Meanwhile, they were surprised with a police car heading towards them, when one of the police men came out of the car and shot them directly with 4 stun grenades and from a close distance, then he shot a tear gas bomb directly towards Zainab AL-Khawaja, causing her serious injury in the right thigh after which she was taken to hospital. As a result, Zainab had a fracture with muscles tear and laceration and she will have to be walking with the assistance of crutches for a long period of time.
Attacking the participants in the march of Budaiya and targeting the journalist Reem Khalifa:
On Friday, 29 June 2012, the security forces prevented the march of the opposition political societies at Budaiya Road, which is also a street that has been used by the associations to form many demonstrations and which were licensed by the Bahraini authorities, however, this time the authorities considered the march as illegal, therefore, they prevented the march using excessive violence and multiple weapons. The security forces surrounded the announced area of the demonstration, attacked every presence in the streets and imposed informal curfew, during which dozens of citizens were severely beaten, besides the spread out of thick clouds of suffocating gases and tear gases, and number of citizens were injured as a result of the use of shotgun.
Bahrain Center for Human Rights knew that a security patrol assaulted the journalist Reem Khalifa, who was standing near the building of AL-Wasat newspaper, which is situated near the site of the demonstration. Reem Khalifa stated that while she was stopping on her own a security patrol suddenly stopped and one of the police got out and started to look at her then he took a stun grenade out of his pocket and throw it at her.
The silence of the Public Prosecution and its ignorance of undertaking serious investigations on these incidents and brining the offenders into justice, despite the seriousness of injuries and despite the provision of complaints on them, this confirms that these attacks are part of systematic work directed by people from the highest ranks of power in Bahrain and which is politically covered.
Accordingly, Bahrain Center for Human Rights demands the following:
- Freedom of expression and peaceful assembly guaranteed by domestic and international laws, and the conventions signed by the authorities in Bahrain, therefore, the authorities in Bahrain must comply with them and not to prejudice the right of assembly and peaceful demonstration under any justification.
- The immediate investigation of the attacks suffered by activists and leaders of political societies and bringing the offenders to justice, and stopping the policy of impunity.
- Stopping the unjustified excessive violence by the riot police against the demonstrators.
- Investigating the excessive use of violence by the riot police with intended murdering, which is a punishable crime in accordance to the domestic and international law.


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Let's continue our list of top anime girls you really don't wanna mess with ever; or get on their wrong side. The last five of our list has been discussed in the earlier article, while the top five are discussed here.
5) Maka Albarn:
Maka from Soul Eater, has a heck of a personality & she isn't scared the least to stand up for what she believes is right, plus she would never abandon her friends in a pinch, or scare away from a competition. Her determination knows no bounds. She is really wise & quite cleaver. She never gives up & always strives for the best, to be better than the best. Her quote, "Bring it on! I may be weaker than you, but I'll take whatever you throw at me! " sums up her personality. She is extremely smart, and is a model student at her school, constantly coming at the top in the exams.
4) Kallen Kōzuki:
Kallen is one of the female leads from Code Geass. She is extremely popular too & almost everyone understands why is on the list. She is one of the best if not the best mecha fighter ever. Her reaction time & reflex are unmatched & her talent & skills are undisputedly the best. Her normal nature is quite calm & friendly. Her courage is unshakable & she would never back down if it means going against her ideals. She is pretty strong fighter despite her looks. Wikia describes her as "Kallen has shown to have a rebellious personality as she is strong willed, short tempered, impulsive and quite feisty. Despite her tough attitude Kallen is actually quite sensitive and gentle." She also has killer looks to boot. Her fighting instincts and skills
3) Yuri Nakamura:
She is the female lead of Angel Beats. Yuri is the founder and leader of the Afterlife-based school organization Shinda Sekai Sensen. She leads the campaign of a number of students who fight against God, whom they blame for their cruel fates. See already? She fights against God; to get an answer as to why her fate and her friends were so cruel. You need one heck of an attitude to do this. Either you got to be extremely brave, or downright idiot. Yuri has the abilities of a charismatic leader, and her determination and her ability to stay calm even in difficult situations makes her the best choice for it. She is also very intelligent and able to understand situations and make snap decisions. But she has a random side to her, where she just acts comically. She can handle guns pretty well, as well as hold her ground in close ranged combat. And she doesn't hesitate to make sacrifices if the need arises to. Although she has a tragic past, she doesn't let that affect her determination to fight against God, instead she her feelings to fuel her to move forward.
The second place is a tie between the following two kick-awesome characters:
2) Lina Inverse:
Lina is the star of slayers. She is wild, cheerful, overexcited, sometimes rude girl. She may act a little dense but she is pretty smart & clever. Lina calls herself as a "Magical Genius" and she isn't far off the mark. She has extraordinary skills when it comes to using magic, and she can even hold her own in a sword fight. She tends to eat a lot to keep up her energy. She acts like a female Robin Hood, taking money from the bad guys. Due to her incredible powers, she's feared by many & has many nicknames like Dra-mata, Robbers' Killer, and The Enemy of All Who Live. Her natural talent combined with her imperturbable will, placid dedication, unruffled courage and cleverness makes her a formidable rival. She is quite tomboyish, but at times, she does act in kiddish girl like manner. Aside from her prowess in battles, she is a master businesswoman who can bargain her way in or out of nearly everything; and if she fails, she always has her strength as a back-up coercive force.
2) Sakura Haruno:
Sakura is pretty famous as it, and needs no introduction. In the first series of Naruto, Sakura's ninjustsu was considerably weaker than her team-mates; Sasuke and Naruto. At that time her greatest strength was her intelligence. After two-and-a-half years of training with Tsunade however, in Naruto Shippuden, Sakura's abilities greatly increase. She is now the very best medical ninja, and has explosive physical attacks. Her skills in other areas have also increased; she is more perceptive, has great evasive skills, destructive Taijutsu and intelligence. Sakura is like her master Tsunade and has inherited her resilience and contempt for losing. One punch from her can turn a huge boulder into rubble or break the ground apart. This is because she can master her chakra perfectly, using it to power her physical blows. She's adept at reading her opponent and using it to her advantage. With her keen observation skills, she can decipher her opponent's moves & formulate an attack plan immediately. She has intensive knowledge on poisons and can treat them or make an antidote too. This explosive combination of brutal & inhuman strength, medical abilities and high intelligence makes her one of the best character ever, whether strength wise or skills wise. Her love for her friends is tremendously unbounded, and her sense of duty to them and her clan makes her a very loveable character.
1) Erza Scarlet:
Erza is one of the lead females from Fairy Tail. She is the best among the best, the super elite among the elites. She has immense strength, unmatched skills, incredible talent, great character and awesome powers to boot. She is an S class mage, undefeated by anyone ill now. Also, Natsu & Erza, her friends and team mates (& fellow protagonists of Fairy Tail), are terrified of her and call her a demon or 'majin'. She is fiercely loyal to her friends and extremely protective of her guild too. She is extremely smart and usually analyzes an enemy's powers, weakness and attack pattern within seconds, but at times, she behaves like a kid. Erza's specialty is Requip Magic, allowing her to requip not only various armors, but different outfits as well. She has a great sense of justice, & is quite strict, usually giving a very creepy look guaranteed to freak the living daylights out of you when she is angered. Her innocent features hide her dark past, and her extraordinary powers. Among all the fearsome female anime stars, she shines the brightest. She excels in sword fighting, as well as close combat. Despite all this, she has a cute side too. She like's cute things, at times act in a girly way, and loves sweet stuff. Her graceful attacks, coupled with her fast wit and pretty look makes for a killer combo. She truly deserves the title 'Titania' (from Titan) as she is one with supreme strength, intellect and importance. Even her series' own hero is scared of her. Period.
That completes our list of top female characters ever. They are a great aid to their teams, and watching them in action just makes one's day. What do you think about this list? Think we left out someone, then do let us know.
Here you go to checkout our previous part of Ten Anime Girls You Don't Wanna Mess With


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Tag: Oregon Convention Center
Convention Business Is About to Get Real in Portland
The 600-room hotel will help redefine Portland as a meetings destination, drawing dozens of large events and conventions every year.
5 Good Businesses for 2015
"A team made up of people of different ages can have combined benefits. For example, the younger generation may have a better command of new technologies and the older generation could have a better understanding of a well-anchored corporate culture."
Travel Portland: A Proud Culture of Creative Energy
Groups booking the super trendy destination will not only gather in a variety of LEED certified spaces and hotels, but also submerge themselves in a truly unique lifestyle.
A Planner's Look at Portland
Sustainability in Portland is a way of life with a small town vibe belying its cosmopolitan amenities, complemented with a youthful, earthy vigor common...


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Marois sworn in, set to become Quebec's first female premier
Pauline Marois was sworn in Monday, and is set to make history as Quebec's first female premier.
The PQ leader was sworn in as the Member of the National Assembly for Charlevoix–Côte-de-Beaupré during a two-hour ceremony at the National Assembly. Marois handily won her seat in the riding on Sept. 4 and her party took a hard-fought victory, winning 54 seats in the National Assembly to form a minority government.
Officially, Marois is not yet the premier of Quebec; that will occur after she is invited to form a government. The invitation will come from Lieutenant Governor Pierre Duchesne on Wednesday.
One item was noticeably absent from the swearing-in proceedings Monday: the Canadian flag.
The removal of the Maple Leaf is part of a longstanding see-saw ritual: it had been long absent in the legislature but was restored nine years ago when Jean Charest's Liberals took office and had it placed next to the Quebec flag at the Speaker's chair in the building's ceremonial chamber.
It was back down again Monday as the PQ's caucus took the oath of office in the ornate old upper chamber, now known as the Red Room, and the Quebec Fleur-de-lis was standing alone again.
Although the Canadian flag did not fly during the ceremony, Parti Quebecois Leader Pauline Marois, who will officially become premier on Wednesday, did pledge allegiance to the Queen, and to the people of Quebec.
Every member of the PQ caucus swore their oath to the monarch, which is a prerequisite for taking office in Canada. The party had complained during the campaign about the increased presence of the Crown under the Harper Conservatives.
One newly elected Pequiste, 20-year-old Leo Bureau-Blouin, offered only the mildest protest. He posted that part of the oath on his Twitter feed and included his own two-word complaint: "Good grief."
Marois had a message to her new MNAs Monday, particularly first-time politicians, telling them to savour the moment they were sworn in before the National Assembly becomes mired in debate. She also advised them to act with humanity on every decision they make.
She also spoke about uniting Quebecers, saying Quebecers has chosen change by choosing the Parti Quebecois to lead, and that it is time to work together and end the politics of divisiveness.
Tough victory
The Marois's victory has been bittersweet thus far. Despite unseating a historically unpopular Liberal government, the PQ could not muster enough momentum to win a majority.
With a strong Liberal and Coalition Avenir Quebec opposition, Marois will have her work cut out for her.
The PQ's win was also tainted by a fatal shooting outside of their victory rally at the Metropolis Theatre in Montreal. That night, stage technician Denis Blanchette was killed as Marois delivered a speech to a crowd of supporters and a large television audience.
The PQ is expected to unveil its cabinet Wednesday.
The 50 members of the Quebec Liberals and 19 CAQ MNAs will be sworn in Tuesday afternoon. The two members of Quebec solidaire who hold seats in the National Assembly will be sworn in Sept. 26, because Amir Khadir is currently out of the country.
With files from The Canadian Press and CTVNews.ca


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Nine students have been charged for allegedly beating up a PhD scholar from the Indian Institute of Technology (IIT) - Madras, for organising a 'Beef Fest' in the campus.
The charges under which the accused have been booked are: IPC 147- Punishment for rioting, 341-Punishment for wrongful restraint, 323- Punishment for voluntarily causing hurt and 506(1) - criminal intimidation.
However, the victim R. Sooraj has also been booked under two Sections - IPC 324 - Voluntarily causing hurt, 341-wrongful restraints, according to accused Manish Kumar's complaint.
Yesterday, Kerala Chief Minister Pinarayi Vijayan condemned the attack on the students and requested his Tamil Nadu counterpart Edappadi K. Palaniswami to take necessary action.
Sooraj was beaten up for conducting ' Beef Fest' in IIT. He has been seriously injured in his right eye.
A group of 70 to 80 students held the beef festival on Sunday evening to demonstrate against the Centre's notification.
Earlier this week, expressing strong disapproval of the Centre's move, Kerala Chief Minister Pinarayi Vijayan had sent a letter to Prime Minister Narendra Modi, by attacking the BJP-led government at the Centre and the RSS, saying there was no need for the people of his state to draw lessons from New Delhi or Nagpur on their food habits.


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The New Jersey construction accident attorneys at Breslin and Breslin are reporting that the co-workers of Anthony Gallone, who was killed while working to maintain the New Jersey Turnpike, want drivers to think of him the next time they're about to speed through a construction zone.
Gallone, 32, was hit by a box truck while removing a shredded piece of tire from the highway in Kearny.
"When we lost Anthony, it was a loss to the (Turnpike) family, to the entire organization" said Kevin McCarthy, president of the union that represents maintenance workers. "He was good hearted, he always had a smile on his face."
This week is designated national work zone safety week, and, for state workers, it is about not adding any names to a monuments at the Turnpike Authority and Department of Transportation headquarters.
In 2013, six people were killed in work zones in New Jersey, and five of them were workers on the job, according to statistics from workzonesafety.org. That number decreased from 10 fatalities in 2012, two of which were workers.
State Department of Transportation officials have placed 36 orange traffic cones draped with black ribbons at the site of the NJDOT Employee Memorial, said Kevin Israel, a spokesman.
"Each cone represents an NJDOT employee, one of our co-workers, killed in a highway accident since 1946," he said. "Each gave their life in service to the department and the people of New Jersey."
Messages on overhead video signs will remind drivers that it's work zone safety week and to slow down to protect the lives of workers.
If you or a loved one has been injured in a construction accident, you may be entitled to compensation for your damages. Injured construction workers have the same rights to workers' compensation as any other employees, but a construction accident might result in additional rights of financial recovery. If you are a construction worker who got hurt on the job in Bergen County, Passaic County or Hudson County, contact a personal injury lawyer at Breslin & Breslin for more information about your legal options.


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I found this article very intriguing this morning. It's an interview with Adam Grubb, a 'weed enthusiast' who strolls about looking for tasty plants growing wild, overhanging fruit trees and other hidden delights in Melbourne's suburbs.
I've always been very interested in ideas like this. It fits in with my 'London during the Blitz' fantasy, of people secreting concrete dust in their bread, stitching together clothes from scraps and tickling the ivories for the entertainment of the kiddies in the bomb shelter.
Haven't you ever wondered what it would be like to live on your wits?
Last year, when I was still working from home, I would explore the old laneways in my suburb every morning, taking the Lomo with me for company. Apart from discovering fascinating junk like busted TVs, spreadeagled phone books, broken skateboards, cracked garden furniture, old Disney tin toys from the '20s and the odd gaping hole (where the bluestone cobbles just give way to the mysteries beneath), I also did quite well in the overhanging fruit stakes.
The 'Wick is brilliant for pilferable items, as everyone takes great pride in their gardens – but not in an uptight Toorak way. Smaller gardens mean that the space is used more intensively. Fruit and veg fight for space with overflowing rose bushes and succulents. Rusty poles from the broken washing line become props for grape vines, massive lemon trees lean over fences, pomegranates and passionfruit proliferate and prickly pears erupt in fuscia, electric blue and sunshine yellow colours. And the fig trees! I live for the fig.
While I was pinching things wholesale, I was unconsciously committing the laneways to memory. Lemon tree four streets down and to the left, best figs near the rusty fence and the shopping trolley, that sort of thing. I liked to imagine that if there was some sort of invasion I could just melt into the night and disappear. Racing across rooves, scurrying up disused alleyways and leaping over collapsed fences in the dark.
And what would I eat? How would I survive? Would I eat pigeons and Indian Mynah birds? Probably. Would I eat them raw? Not so sure. How about possums? Oh, I could get into those I reckon. How about dogs and cats? Well I've never been that hungry, so I couldn't say – maybe if I couldn't see the face. It's hard to predict how you'd act if you were starved of protein.
I was born during peacetime, in a wealthy country where water comes out of the tap and fresh food is transported every day. It's possible that I'll never have to live on my wits. This is why West Africa was so intriguing for me.
The local kids would amuse themselves all day killing snakes, lizards, bizarre insects and bushrats with wee homemade catapults. And these weren't naughty boys in need of a firm word from Dad and a slap around the chops. The little buggers were hungry.
Some people had made their homes out of nothing, just some beaten-out oil drums, rice sacks and a bit of mud to cover the gaps. The whitey reaction to this of course was your traditional World Vision-esque drama. 'Oh!' they'd cry. 'Look at that awful shack, we must save the children! We must do something!!' Whereas I'd be thinking: 'Look at that. How did they make that d'ya reckon. I bet they pulled those nails off that old crate over there. And then unpicked the rice sack and reused the thread to stitch it over the roof and make it waterproof. That shack is fantastic.'
In short, everyone I saw on the street in West Africa was living on their wits. Probably closer to 'London during the Blitz' than they'd ever want to be. Despite what hellish ad campaigns from aid agencies and NGOs would have us believe, they're not to be pitied, but admired! Those little boys don't sit around intellectualising their lives, or write crappy blogs, they just developed a bloody good aim. With catapults made of sticks and strips of old car tyre. I reckon they'd eat like kings in a Brunswick laneway.
As the Age article discusses, these nifty survival skills are becoming more relevant. In a world where the logistics and environmental impact of food production is becoming an even greater problem, it makes more sense to scavenge, forage and reuse. Heck, I even found a Le Creuset in the hard rubbish the other day! RRP $200! Lifetime guarantee! Mint condition! Hanging your arse out of someone's rubbish is not so silly after all, eh?
Here is Adam Grubb's great site, called Eat the Suburbs. Check it out.


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How Women Like Susan McGalla are Taking Back Top Executive Roles
According to statistics, businesses that employ equal numbers of women and men are 15 percent more likely to perform better than competitors with an unbalanced workforce. Also, companies with a more ethnically diverse workforce are 35 percent more likely to perform better than competitors with little diversity in the workplace. Experts said that being open to new ideas is a key component of any company's success. With diversity, employers have the benefit of a wider array of perspectives that span multiple genders, age groups, ethnic backgrounds and more. Although these statistics sound good, only a few C-level positions are held by women in S&P 500 companies.
A True Success Story
While many women struggle to make it to a high-level position, Susan McGalla has broken the common barriers. She is a proven example of success, and her story serves as an inspiration to women everywhere that it is possible to attain multiple top-level positions. Susan is comfortable working with men and women of all ages. When she was young, her father was a football coach. Susan had several brothers, and she said that they did not give her special treatment because she was a girl. When she wanted something, she worked hard for it. Susan attributes her success to her upbringing and her ambition.
As an adult professional, Susan continued to work hard for what she wanted. She has held many executive positions by perpetually reaching higher. Susan started with American Eagle Outfitters. At the time, only men were executives in the company. She became the president before she left, and she went on to start her own company called P3 Executive Consulting. Today, Susan is in charge of creative development and business strategy for the Pittsburgh Steelers. Although the sports industry is run mostly by men, Susan is not intimidated. She developed a creative campaign that boosted fan gear sales considerably. After that, she continued to move forward by working hard and using her creativity.
Female Leadership Initiatives
Although many companies are implementing initiatives to boost female leadership, not all women are experiencing positive changes. Many initiative networks connect women, help them share their ideas and give them information about current trends. However, the glass ceiling still exists. While the initiative networks have worked hard to make changes, they do not address the most important underlying issue that keeps women from reaching leadership roles. The main problem is a lack of support from male and female decision-making executives.
Breaking The Glass Ceiling
With so many initiatives in place, it seems that the answer is simply hiring more women to fill high-level roles. However, women only hold about 25 percent of senior roles in companies. Since initiatives exist, the remaining deficit also helps highlight the underlying problem of a lack of support. An effective solution to the problem is executive sponsorship. If women who are invested in their careers work with decision-making executives within the company, they can collaborate to build opportunities for other women. The decision-making executive must serve as the sponsor in the process. Sponsorship helps break long-standing cycles of gender discrimination, and it encourages women who have potential and drive to work hard for a higher position. Sponsors can recommend women for assignments and can provide support to them.
In a sponsorship program, the decision-making executive must receive an incentive to recommend and encourage female leaders. Since there is an attractive reward, male executives who may otherwise take little interest in such programs have more encouragement to participate. In addition to sponsorship programs, mentoring is important. For company owners, the statistics that show improved financial performance by diversifying the workforce should encourage them to implement mentoring and sponsorship programs.
Other business ideas: http://blogwebpedia.com/10-affordable-business-ideas-infographic.html#.WiCKB7T82gx
About Susan McGalla
Susan McGalla grew up in Ohio. In 1982, she started her business and marketing studies at Mount Union College. She graduated with a bachelor's degree in 1986. From 1994 through 2009, Susan worked for American Eagle Outfitters in various high-level roles. She grew the company from a single brand to four major brands, and the company's revenue increased from $340 million to more than $3 billion under her leadership. Susan served as an independent retail consultant after her time with AEO. The Wet Seal hired her to reinvent its brands, and she was successful with that.
Susan founded P3 Executive Consulting in 2013 and gave advice to the Wall Street community. From branding and marketing to talent management, she provided many valuable services. In 2015, the Pittsburgh Steelers welcomed Susan to their team to contribute her strategic and creative skills. When she is not busy working hard to reach her ever-growing goals, Susan enjoys spending time with her family. Susan is also an advisory board member at Mount Union College.
Connect with Susan on Facebook to see more of her accomplishments and interests.


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Forest School
Forest school learning is a very special part of what we do at Chirton School.
We are fortunate enough to have a dedicated woodland at our disposal, thanks to the generosity of a local land owner and our children therefore have the opportunity to experience this very practical way of learning at various points throughout their journey with us. With a very experienced teacher at the helm, forest school provision is carefully interwoven into classroom learning, supporting and extending indoor learning in a woodland setting. No two sessions are the same and children lead their own learning wherever possible with the guidance of the high ratio of adults to children. We cover every aspect of the curriculum in the woods but a lot else too. From toasting marshmallows to whittling sticks from hugging trees to sitting quietly on our Reflection Island listening to the birds singing, the opportunity to take their learning outside is very powerful .... and they love it!
What is Forest School all about?
Forest School is an inspirational process that offers ALL learners the opportunity to achieve and develop confidence and self-esteem through hands-on learning experiences in a woodland environment.
The 6Rs (relationships, resilience, resourcefulness, respect, responsibility and reflectiveness) are continually used at a forest school session where children are challenged to solve problems and develop their creativity and interests. At Chirton all children are offered weekly sessions in the woods throughout the year as well as on-site through our outdoor 'Classroom of Wonder.' Links are made to curriculum work back in the classroom and the benefit of employing an experienced classroom teacher as Forest School Leader means that Sarah is able to let the children lead their own learning yet tease out the curriculum learning appropriate to their levels and abilities. She is flexible in her planning and able to follow the children's interest, yet familiar enough with the curriculum needs so that she can ensure new learning is taking place. Sarah liaises closely with class teachers, planning activities which mirror or support the work going on in class and then follows up with teachers after sessions to help them develop the learning and passions of the children further in the classroom and they then decide together how to move the learning forward.
The most remarkable and obvious change in the children has been the growth in their confidence from dealing with the simplest challenges such as stinging nettles to using saws and knives in a safe environment. It is surprising, given our rural community location, how challenging some of the tasks are and how much pride the children gain from succeeding.
The most remarkable and obvious change in the children has been the growth in their confidence from dealing with the simplest challenges such as stinging nettles to using saws and knives in a safe environment.
Each day starts with checking the children have the right clothing, they then have a 15 minute walk to the forest area which offers opportunities for road crossing drills. Children's independence is encouraged and so when the area was initially set up it was the children who cleared an area for the base camp and an area where a fire could be lit, moving logs into place to form seats around a circle. It was the children who constructed the shelter which became base came by building a skeleton structure and then thatching it. They also built a bridge to our Reflection Island, a puppet theatre and a swing … all their own designs. These principles of children leading their own learning has continued throughout the years that we have been running forest school sessions and one can clearly see the children progressing with their skills year on year.
How can I get involved?
Well we need lots of volunteers! Its great fun and a wonderful way to experience this very valuable provision in action. So if you fancy a session in the outdoors, doing the sort of things you did when you were young, then contact Mrs Bridewell in the office or our Forest School Leader, Mrs Pender.


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Fourth French soldier killed in Mali, Sarkozy criticises intervention
Issued on:
A fourth French soldier has been killed in Mali during a reconnaissance mission near the main city in the north, Gao. And former president Nicolas Sarkozy has laid into the French intervention, claiming that it is only serving to "support putschists".
Brigadier Wilfred Pingaud, 37, who was a member of an artillery regiment, was killed on Wednesday morning when an Islamist militia attacked a detachment of Malian soldiers
with which he was on reconnaissance at Tin Keraten, 100 kilometres away from Gao, Defence Minister Jean-Yves Le Drian said in a statement.
Four Malian soldiers were wounded in the fighting, the statement said.
Several dozen rebels have been killed in clashes near Gao over the last few days, according to Paris and Bamako.
Ex-president Nicolas Sarkozy has criticised the Mali intervention in an interview with the magazine Valeurs actuelles.
"The rule is never to go into a country that has no government," Sarkozy tells the magazine in a reference to the fact that Mali's government was toppled by a coup last year.
"What are we doing there if we're not just supporting putschists and trying to control a territory four times larger than France with 4,000 men?" he asks.


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Author's note: If one can get their fingers on an old edition of my book, one will find my conviction concerning this Pope's death was not then what it is today. The reason readers are cautioned to avoid old editions.
I have left no leaf unturned during these past years to prove my case. Yet, the more I tried to prove my case, the more the facts proved another man's case.
Avro Manhattan `
In 1988, the world's foremost authority on the Vatican and World Politics, Baron Avro Manhattan, wrote:
"The lack of importance the United States gave to the election of a Pope after the death of pro-American Pius XII through the election of John Paul II has become paramount in the thinking of subversive elements in America. The lingering evidence is too striking to be ignored.
Paul's doctrine 'Liberation Theology' took on horrendous roots where the poor were collectively dominant in Latin America, the stability of which was threatened. When they reached Central America, military and undercover operations had to be undertaken by the United States to halt his revolution of the poor.
Paul's encyclical 'Populorum Progressio' fueled movement toward communism in Europe forcing American intervention in Italy where his ally Aldo Moro's 'Historic Compromise' threatened to bring about a communist state as the will of the Italian people.
In the spring of 1978, Moro was kidnapped while en route to the House of Representatives where he was about to move communist ministers into control of Italian Parliament.
Reputable Journalist Carmine Pecorelli published a convincing article: 'The Role of the United States in the Moro Murder.' Though overwhelmingly where the finger of motive could possibly point, all but ignored in the world press.¹
On the heels of the Moro murder, Paul's sudden death was wrapped with subtle speculations and vague rumors...
Nevertheless, his providential death gave the CIA the opportunity to force election of a pro-American Pope. It joined Opus-Dei in backing the anti-communist candidate Polish Cardinal Karol Wojtyla of Krakow.
When Albino Luciani - an avowed Marxist in every sense of the word - was elected, it struck a nerve of shattering proportions in the United States, particularly as it concerned his support for the revolution of the poor in Central America against the coalition of the United States and ruling juntas.
When Luciani struck at the basic tenets upon which the United States had been founded: 'It is the inalienable right of no man to accumulate wealth beyond the necessary while other men starve to death because they have nothing,' Henry Kissinger sounded the alarm:
'Domination by Moscow is not the issue. Communist control of Central America is the issue. It would have terrible consequences for the United States. It is the No. 1 threat to its national security and must be dealt with accordingly.'
In Opus Dei headquarters in the posh Monti Parioli district of Rome and in CIA headquarters in MaClean Virginia, the ball began to roll..." 2
CIA Director George Bush - Paul VI - John Paul I -John Paul II - Jose Escriva
as 'The Vatican Murders' presents compelling evidence linking prominent
American statesmen and Church hierarchy to the murders of Pope John
Paul I, his
counterpart in the Russian Church, Aldo Moro and
other leaders of the Marxist movement in the western world, I want to remind
the reader it was the sworn duty of these men imposed upon them by the laws of
their nations and the principles of their faith to h`ead off what they saw as a
dangerous slide to the left.
¹ L'Osservatore Politico 17 May '78
2 reprinted from Avro Manhattan's 'The Dollar and the Vatican' (1988) pgs. 130-142; consistent with the premise of Manhattan's book 'Murder in the Vatican' (1985). Kissinger quote: TIME Magazine 'What if Communists Win a Role?' 12 Sep '78
PS: Avro Manhattan wrote the best selling Vatican book of all time 'The Vatican and World Politics'
caricature by Ben Vogelsang, Edinburgh (Jose Escriva founded Opus Dei)
e-books, paperbacks and hardcovers are available on all marketing sites
'The Vatican Murders' UK direct link to amazon.co.uk


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My Lakbayan grade is C+!
How much of the Philippines have you visited? Find out at Lakbayan!
Created by Eugene Villar.
I'm just C+, I thought I already traveled enough and my grade will be B. So this will is my new goal, visit more cities in the Philippines because I dont want to be a tourist in my own country. Our country (Philippines) is so beautiful all we need to do is to explore and preserve its beauty and wonders.


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Three Juveniles Arrested After Threats Made Against North Schuylkill High School
BUTLER TOWNSHIP — Police in Schuylkill County have arrested three juveniles after online threats were made against North Schuylkill Junior/Senior High School.
North Schuylkill School District officials say a threatening post was made on social media over the weekend, warning of an attack at the high school on Monday. Police investigated and determined the threat was not credible.
The high school remained open Monday.
Butler Township police arrested the individuals responsible, according to the district's superintendent.
The names of the juveniles who have been charged have not been released. Butler Township police said they are students at the high school, and the charges stem from two separate incidents.
Police said additional incidents are still under investigation.


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Introduction to Game Development with MonoGame
This multi-part walkthrough shows how to create a simple 2D application using MonoGame. It covers common game programming concepts, such as graphics, input, game entities, and physics.
This article describes MonoGame API technology for making cross-platform games. For a full list of platforms, see the MonoGame website. This tutorial will use C# for code samples, although MonoGame is fully functional with F# as well.
MonoGame is a cross-platform, hardware accelerated API providing graphics, audio, game state management, input, and a content pipeline for importing assets. Unlike most game engines, MonoGame does not provide or impose any pattern or project structure. While this means that developers are free to organize their code as they like, it also means that a bit of setup code is needed when first starting a new project.
The first section of this walkthrough focuses on setting up an empty project. The last section covers writing all of our game logic and content – most of which will be cross platform.
By the end of this walkthrough, we will have created a simple game where the player can control an animated character with touch input. Although this is not technically a full game (since it has no win or lose conditions), it demonstrates numerous game development concepts and can be used as the foundation for many types of games.
The following shows the result of this walkthrough:
MonoGame and XNA
The MonoGame library is intended to mimic Microsoft's XNA library in both syntax and functionality. All MonoGame objects exist under the Microsoft.Xna namespace – allowing most XNA code to be used in MonoGame with no modification.
Developers familiar with XNA will already be familiar with MonoGame's syntax, and developers looking for additional information on working with MonoGame will be able to reference existing online XNA walkthroughs, API documentation, and discussions.
Walkthrough Parts
Related Links
Povratne informacije
Nalaganje povratnih informacij ...


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Monday, August 4, 2008
Burning Man: FINISHED Tribal Stenciled Playa Boots
Last week I started this project but over the weekend I decided to add another stencil! One project down and about forty to go! I leave for the Playa (15 days)! Sizzle....
Posted by Luna-See at 8/04/2008
Labels: Burner Fashion, Burning Man, DIY, Playa Boots, Stencil, Tribal
2 comments:
Subscribe to: Post Comments (Atom)


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Ringling Bros. & Barnum Bailey really do put on the Greatest show on earth, as we see here at the opening night of the Circus Extreme Show at good old Nassau Coliseum. The show is on a mission - or shall I say "Quest" for the best acts from around the world! The ringmaster and his two clown cohorts are traveling the world and letting us come with them them for their "extreme quest for the best!"
There is a fantastical opening number that included music played by a live band and sung by the multi-talented ringmaster. Clowns, acrobats, camels, and elephants pranced on stage to start the show!
After the grandness of the opening sequence it was time for us to travel to Mount Everest! We watched the clowns antics to get atop the mountain (that is fully built with stairs btw) and then swept away with a magical performance from the amazing Trapeze artist! They are trapped between two mountaintops and we watch in anticipation, as they try and reach each other! All the while, jump roping, doing splits and somehow jumping over people, all on a tiny little wire - and it was amazing to watch. I do not think I took a breath until it was over!
Oh!! You think that was the only death defying feat that was going to be attempted?? PA-LEASE! Add a woman being shot out of a cannon! Oh,do you think it was the first time?No.no.no. This was over her 500th time shot from a cannon- what a job man!
Between each set up of the larger acts there was always something to bewilder and amuse you- for instance- Acrobats with black light effects! There was a fantastic and informational elephant presentation. The ringmaster talked with the trainers all about the elephants lives and personalities it was mesmerizing to watch. We traveled all over! Each "new location " was filled with beautiful costumes and cultural inspired acts from across the world! Bringing the beauty of the moving arts right in front of you- with clowns! My favorite was when we traveled "under the sea" which happened to be filled with acrobat mermaids! Guys it was beautiful. There was also a tiger routine, floor acrobats- BMX biking, and trampoline fears. Is there a better way to spend a winter night with your family? No. The answer is just no.
Once again Ringling Bros. and Barnum Bailey circus has revamped the traditional circus from our childhood into a theatrical event, keeping all of the acts we loved as a kid, and love sharing with our children today, making it better each and every time we see them.
Make sure you get your tickets for the show while they are still at Nassau Coliseum! The train will be leaving this Sunday!
We were given the tickets from Feld Entertainment for review purposes- however our opinions are our own. If we did not like it, we would not write about it!
***Edited by Cheryl W.


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This Hanukkah trivia quiz has 12 multiple-choice questions. Answers to the Hanukkah trivia questions can be found at the end of the quiz. Enjoy and share them with friends and family.
1. What is the chief purpose of Hanukkah?
a) To celebrate the traditional New Year
b) To mark the creation of Jerusalem
c) To remember the Great Exodus
d) To commemorate the rededication of the Jerusalem Temple
2. Hanukkah is observed by which group of people?
a) Christians b) Muslims c) Jews d) Buddhists e) Hindus
3. Hanukkah is also known as _________.
a) Festival of Sacrifice b) Lantern Festival c) Children Festival d) Festival of Lights
TriviaQuiz >


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2017-18 club-by-club guide: Nottingham Forest
NEWSATDEN looks at all 23 of Millwall's Championship opponents ahead of the new season.
Next up, Lucas Ball casts an eye over Millwall's first opponents, Nottingham Forest.
Nickname: The Reds/ Forest
Manager: Mark Warburton
Stadium: City Ground (30,576)
Club website: www.nottinghamforest.co.uk
Nearest train station: Nottingham
Postcode: NG2 3AQ
Title odds (Sky Bet): 40/1
Last meeting: EFL Cup – Millwall 1-2 Nottingham Forest (August 23, 2016; The Den)
Last season:
Position: 21st in Sky Bet Championship
Goals for: 62
Goals against: 72
Top league goal scorer: Britt Assambalonga (14)
2017-18 transfers:
Ins: Daryl Murphy (£1.96mil); Barrie McKay (£727k); Liam Bossin (free); Jason Cummings (undisclosed)
Outs: Britt Assombalonga (£14.54mil); Dani Pinillos (free); Jorge Grant (loan); Gboly Ariyibi (loan); Matty Fryatt (free); Damien Perquis (undisclosed)
Millwall's opening-day opponents have money to spend after key man Britt Assombalonga moved to Middlesbrough for almost £15million. Mark Warburton's side escaped relegation by the skin of their teeth last season, and will be hoping for a less nervy campaign this time around.
Four players have joined already, with less than £3million spent, leaving them with room to manoeuvre either in this window or January if they feel the need to strengthen then.
Warburton will have his side well drilled and organised for 2017-18, but it is rather surprising that he has not added more players to the defence, particularly after they conceded 72 goals last season.
Barry McKay was a player the former Bees manager already knew from his time at Rangers, and he will hope to prove his manager made the right choice by bringing him south of the border.
Experienced striker Darryl Murphy also moved to the City Ground from Newcastle, and Forest fans will hope he can be the man to replace Assombalonga. Murphy offers something different to Assombalonga, and could be effective if Forest play a direct style.
Nottingham Forest vs. Millwall (Friday August 4, 2017)
Millwall vs. Nottingham Forest (Friday March 30, 2018)
Shaun Williams' immense halfway-line goal was not enough to beat Forest last time around as a young Lions side exited the EFL Cup in the second round.
Graphic: @ShedCreative


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- Dr. Corliss Outley
- Associate Department Head and Associate Professor
- Office:
- Email:
- email@example.com
- Phone:
- 979-845-5330
- Resume/CV
- Undergraduate Education
- 1992, B.S. Biology, Grambling State University
- Graduate Education
- 1994 M.S. Forestry Masters, Southern Illinois University Carbondale Thesis: African American Participation in Outdoor Recreation in Southern Illinois
- Ph.D. 2000, Recreation and Resources Development, Texas A&M University, Emphasis: Sociology of Natural Resources, Youth Development, and Urban Recreation Dissertation: Kickin' It: An Investigation of Leisure Behavior Among Inner City African American Children.
- Courses Taught
- RPTS 370 Youth Development Organizations and Services
- RPTS 372 Youth Development Practice
Youth development, race and ethnicity, and urban parks


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Thank You for Visiting Ebenezer House's Website
We are at the center of all the numerous activities here in Central Virginia
You will be near Historic Presidential Estates, Wineries, Breweries, some of the best hiking trails on the East Coast. and all of the events. Centrally located but quietly snuggled into the woods a few feet off the major route 29.
Why Book Direct
Lowest Rates guaranteed and the Best Extras !
Best rates guaranteed when you book direct. You will also receive the warmest hospitality and all the following amenities when you book direct!
- Free WiFi
- Free parking
- 6 course 5 star breakfast, all home made with local ingredients
- Free Wine, Beer or Cocktails upon arrival and through out your stay
- Free tasting coupons to a multitude of Central Virginia Wineries
- Free tasting coupons to several Central Virginia Breweries, Cider houses .
- Early check-in / Early check-out
- Close to every thing in Central Virginia
- Just a few hundred feet off RT 29 half way between Culpepper and Charlottesville VA
- A quit peaceful location snuggled into the woods
In the center of it all:
50 ways to Fall In Love with the foothills
Book two nights and get the third night free! Click on; check availability, then special rates, book any 3 nights of your chose, a 33% discount will be applied to all nights. A minimum 3 night stay is required.
The many ways to fall in love while in the foothills of Virginia
At the Ebenezer House you will be in the middle of:
Historic homes of past presidents:
- James Madison
- Thomas Jefferson
- James Monroe
- Zachery Taylor
- Woodrow Wilson
- George Washington
- William Henry Harrison
- John Tyler
Award-winning wineries:
- Honah Lee Vineyard
- Reynard Florence Vineyard
- Old House Vineyards
- Horton Vineyard
- Early Mountain Vineyards
- Barboursville Vineyards
- Chateau Merrill Anne Vineyards
- Narmada Winery
- Keswick Vineyards
- Du Card Vineyards
- Prince Michel Vineyards
- Reva Lation Vineyards
And just minutes from 38 hiking trails!
See our blog on Historical Presidential House Tours
And we offer gift certificates for your loved ones, as low as $135.00
See details on our Special Offers pageCheck out our blog
Things to do a few minutes away - Charlottesville, Orange, Culpepper, Shenandoah National Park
Indoor- outdoor - shopping - history - ballooning - horseback riding - and area events
- Hiking
- Biking
- Shopping
- Attend a local festival there are many check our Attractions Page
- Many Antique dealers in several local shops
- Visit James Madison home Montpelier
- Visit Thomas Jefferson home Monticello
- Visit over 13 local vineyards
- Visit over 5 breweries, 2 cideries, and 5 distilleries
- Many great restaurants within minutes from here
- Many Family activities minutes away
- Kayaking
- Skydiving
- Shenandoah National Park
What to Expect
You will be welcomed into our unique B&B for a relaxing, quiet stay. That will rejuvenate your spirit. Your room will be clean warm/cool and appointed with beautiful family antiques that have been with us for 3 generations and some longer. There are many common areas where you can sit quietly relax or have a glass of wine and chat with the other guest Or enjoy a TV show, movie or game on one of our many large flat-screen TV's.
The surrounding area of Central Virginia is always full of fun things to do or events to go to. The Greater Charlottesville area is known for its history, vineyards, breweries, and horses.
And expect always to receive the best value for your money when you book directly with us!
The Ebenezer House is Licensed, Permitted, Certificated Inspected and Insured Bed & Breakfast with all local and state and national agencies.
Just click on the links below to see our most current Licence or certificate!
National Restaurant Association ServSafe Certification
Commonwealth of Virginia registered dealer to collect sales or use tax
Commonwealth of Virginia Department of Health permitted to operate a Bed and Breakfast
Virginia Department of Alcoholic Beverage Control license type; Bed and Breakfast
Guest Reviews
We strive to provide an exceptional level of service for every guest, and are proud to have a 4.5-star rating on TripAdvisor.View Reviews


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The summer of 2011 has been an interesting one in the world of mortgage lending.
Rates have continued to hover at near-record levels. Thirty-year fixed rate conventional mortgages (mortgages with loan levels of $729,000 or less in high cost areas like the D.C. Metro area) have been in the mid to high 4 percent range for several weeks. Rates are slightly lower for purchase money loans. Credit scores and loan to value can also influence rates. Rates for investment property are also higher.
Rates on 15-year fixed rate mortgages and adjustable rate mortgages are actually lower then before, even last fall when 30-year fixed rate mortgages were at their lowest point.
In recent weeks, 15-year fixed rate mortgages have been in the mid to high 3's. Adjustable rate mortgages have been in the 3's for five-year adjustable rate mortgages to the low four percent range in recent weeks. Rates are lowest for purchase money and primary mortgages.
Loan limits are being lowered for high conforming mortgages. The "old" limit is $729,000 in high cost areas. This includes the Washington, D.C. metropolitan area. This does not include Baltimore and a lot of other areas. The new limits will be $629,000. Jumbo rates, which are slightly higher, are needed above these limits.
There are rumors that the change in the high-conforming loan limits will not be changed as planned this fall. There is fear that in the high-cost areas, the lowering of the loan limits will put a damper on already weak real estate markets. The logic of lowering the high-conforming loan limits is the government is trying to unwind the exposure of the government-sponsored entities, Fannie Mae and Freddie Mac.
Underwriting standards continue to be very strict. In order to get a mortgage loan these days, one has to be fully documented. Pay stubs and W-2's are in order. For those that are self-employed, 1099's and tax returns are needed and both personal and business returns will be required. For attorneys and business owners, K-1's will also be required.
For assets 60 days of statements with all pages intact will be required. Most non-payroll deposits will require a letter of explanation.
Do not expect the standards in the industry to be relaxed anytime in the near future. If you are thinking about buying a home or refinancing in the near future, take some extra time to prepare and be patient. Everyone is being treated equally.
Bill Starrels lives in Georgetown. He is a mortgage loan officer who specializes in purchasing and refinancing mortgages. He can be reached at 703-625-7355 or at email@example.com.


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Category: Architecture
Photograph: Perth, Western Australia, by Simon Leau.
Originally shared on the Photofocus Google Plus community.
To learn how your work can be featured on the site, please read this article.
A ThinkTap company
Category: Architecture
Photograph: Perth, Western Australia, by Simon Leau.
Originally shared on the Photofocus Google Plus community.
To learn how your work can be featured on the site, please read this article.
Mark Morrow is an active Virginia-based photographer with specialties in a wide variety of domestic and commercial projects. Always an avid student of the craft, Mark enjoys sharing insight and inspiration with enthusiasts and aspiring pros on his blog, podcast and as a contributor here at Photofocus.
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FC: Cathy & Brian
1: Thank you for taking the time to learn a a little about us. We are very excited to become parents through adoption. Deciding to place your child up for adoption is truly a brave and unselfish act, one that we would never forget and always cherish. We promise to provide your child with love, a safe environment, good family values and educational opportunities. We appreciate your dedication to finding a family that is the right fit and hope to hear from you and learn more about you.
2: We had our first date October 31st, 1994 and have been together ever since. The fall is our favorite time of year so we got married on a fall day surrounded by family, friends, mums and pumpkins. In 2008 we decided to start a family and went through numerous infertility treatments. We were diagnosed with unexplained infertility and decided that adoption was the path for us to become parents. We started researching, reading and joined numerous support groups and have made wonderful friends. Our families are so excited for us and they cant wait for our dream of becoming parents to be fulfilled. | About us
3: Our relationship is a strong one based on love, friendship, honesty and trust. We both have very strong family values and plan on raising a child in a stable loving environment. Education is also very important to us and living on Long Island offers many opportunities. We both share a love of nature and love spending weekends in our house in the Catskills. We are so excited to watch a child explore the outdoors and make a lifetime of memories there.
4: Brian is a very calm and patient man. he always makes me smile and has a big heart. He is truly my best friend. He is a very talented finish carpenter and is extremely respected in his field. His work in our house, family and friends houses is always the best quality. He takes pride in every project and the end results always reflects it. | Brian
5: Children love Brian and he will make a wonderful father. Because of choices he has made in his life we are financially stable. He plans on being a very involved father and is looking forward to being there for every milestone. He looks forward to being there for a child's first words, first steps, first day of school, baseball games, dance recitals or just spending the day playing in the yard. I look forward to seeing the joy in his face when a child calls him dad.
6: Cathy is a very down to earth person who is always smiling and enjoying life. You can always find her going out of her way to make others feel comfortable in our home. She always goes above and beyond to make the holidays special for everyone in the family. She has made our home a very warm and nurturing environment, a place everyone always feel welcomed in | Cathy
7: Cathy's passion for handmade items stem from her childhood with her Mom, whether she is making curtains for our home or gifts for others. She loves to crochet, make jewelry, sew and crosstitch. When she isn't busy crafting you can find her in the kitchen cooking or baking. She loves to can preserves from fresh berries and apples from our property upstate and share them with family and friends | When it comes to children Cathy has a nurturing loving way about her. She will make a wonderful mother and will enjoy all the precious moments a child has to offer
8: When we looked for a house we searched for one that needed some love and attention. It was a real fixer upper but we enjoyed working together and are so proud of all our hard work. | Our Home
9: We love having family and friends over and want them to always feel welcomed in our home. We have a big backyard with lots of room to play. There are so many great parks close by and a great elementary school a few blocks away.
10: Our Vacation house in the Catskills | One of our favorite vacation spots is in the Catskill Mountains. Since we go so often we decided to find a place of our own. We found a small fixer upper on a beautiful piece of land.
11: Some of our favorite things to do like fishing, hiking and apple picking we can do on our own property. We love spending summers here with our family and friends but the fall is our favorite time.
12: old picture of Cathy & her sister | Cathy & her sister | Cathy and her girlfriend antiquing | Cathy and her nephew
13: Cathy | Brian and his nephew | Cathy and Brian | Brian upstate
14: Cathy & her Godson enjoying a fall day | Brian and a friends puppy | at a friends wedding | Watching a Christmas parade down main street
15: Cathy & her Dad on a snowy day in the Catskills | Cathy and her Mom at Christmas
16: Brian and his family | Brian and his dad on our wedding day | Brian walking his Mom and Grandma down the aisle at his brothers wedding
17: We cherish our time with family and friends and look forward to adding a child to our lives
19: We both love animals and each grew up with dogs in our families. Our Yorkies just love children and our african grey talks nonstop. | Our Pets
21: Thank you for taking the time to learn a little something about Cathy and Brian. We hope you decide to call so we can get to know each other better. Please contact us at 1800-684-7086 or you may contact our adoption attorney Jeanine Castagna at 1800-379-0650


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Thursday, January 19, 2012
Home School Half-Time Report
When I embarked on this year of home-education, I felt like I was VERY prepared. I had read a book about setting appropriate expectations for yourself and your kids during the first year of homeschooling (I counted last year as practice.) I was prepared to change things up, rearrange schedules and curriculum and all that.
Basically I had a plan, and I figured it would change.
And change it has.
1. Schedule
We began our year sort of trying to loosely mirror the traditional idea of "get up, get ready and go to school."
I think that lasted MAYBE two weeks.
Mornings here are NOT for school. Derek tends to work less in the mornings and more after lunch. For some reason, when Dad is around, other things tend to need to be accomplished instead.
Plus because Derek works until after bedtime, we have our big "dinner" meal at lunch time. I can't possibly cook a full meal and teach reading at the same time.
So, now, we don't even try for school until after lunch. It makes for a nice smooth morning-into-afternoon for everyone. Babies go to bed and school can happen.
2. Curriculum
We're still working toward literacy. I knew it was going to be a long haul. I also knew that Spencer would progress as fast (if not faster) than Henry. And those have both proven true.
However, both boys have made huge leaps and are now reading some words and understand how sounds go together. The fact that I can SEE the progress motivates me to keep pushing them.
We do far less Art than I thought we would. While my Pinterests are full of delightful art projects, the reality is my boys get easily frustrated by art that includes step-by-step instructions. Typically the prep time is at least 2x as long as it takes for the project to get done.
But when I hand them supplies and say "the only rule is to keep the glue off the floor" then they will cut and paste for an hour. (See the picture above.)
We go on far fewer field trips than I thought we would. For one thing, the littles' naps cut into the day. For another, I feel like they are a bit young for most of the educational experiences available to us. They are small. We have YEARS to explore the world around us in a "formal" way. For now, the library and the park and walks suffice.
The boys love math. It shocks me. They like to add and subtract. Henry thinks dividing is SO cool. I have no idea where they came from.
The boys' "kid lessons" continue to be a favorite. "Mom, can we learn about (insert random thing here)?" is a daily request. We spent over a week learning about robots. It's my favorite as much as it is their's.
We still read books by the dozen. They can't get enough.
Day To Day:
Some days are better than others. Some days we miss school entirely or only get a fraction of what I wanted accomplished done.
Some days are blissful, and I feel confident in our progress.
Other days I wonder why we ever thought this was a good idea.
My house is frequently trashed. The kids are learning to do chores, to help, to clean up. But it's like pulling teeth. And since we're ALL here all day (except Derek who escapes!) the mess adds up fast.
I keep the kitchen clean and the clothes washed. I try to keep up on bathrooms and vacuuming.
I don't get laundry folded or sorted or put away more than once a week. Right now there are clean clothes that have been clean and in baskets for a month. (I'm blaming that on pregnancy nausea!)
I cook exactly one meal a day. It's usually lunch, like I said. I've accepted that cereal for breakfast most days is not the worst. I know it's far from ideal, but concessions have been made.
I don't get a lot of time for anything other than kids. It's not their fault. They are good boys. But it means that bedtime remains firmly at 6:30pm. Ezra makes sleeping challenging because frequent night-wakings. So I'm tired. Always.
Due to exhaustion sometimes I'm lazy. I try to not be because I think school teachers don't get to be "lazy." So we push through.
But there are days...
All in all, we're doing well. We're getting educated. We're learning. We still all love each other.
It's hard. I won't lie. It's not all sunshine and roses and hippie granola crunchy meals. Sometimes it's dirty kids and frustrated Mama and the McDonald's playland.
But we're on the right path. So, that's something right?
5 comments:
- BEK said...
Something right sounds pretty goo to me. Sometimes when we get frustrated it is easier to realize it's our expectations that need to change not everything else. But that is hard. Way to go at being awesome.
- January 19, 2012 at 6:06 PM
- Chelsea said...
It's posts like these that make me want to live next door or "above the garage" like the goofy/outcast big brother always does in 90s sitcoms. I would SO love to be able to help with your kiddos all the dang time.
Also, Spencer looks a lot like Oliver in that picture.
- January 19, 2012 at 6:32 PM
- Yasmine said...
Oh Morgy-- I just caught up on your last few posts! Here's my thoughts:
1. Congratu-freakin-lations! 5 babies? Are you hoping for a girl, or another boy? (I'd want another boy. Just cause, I've accepted and love the fact I'm the only girl and LOVE to watch all my little men together.)
2. You're my hero. You rock, really. You're so creative and I SO admire the home schooling thing.
3. Tell Derek I think he rocks too.
4. I love you!
- January 19, 2012 at 6:49 PM
- Brian and Kelsey said...
Us "regular school" teachers get to be lazy....sometimes. It comes at a price. Wednesday we were supposed to do Math at the end of the day after recess. I was tired and they worked on an art project instead. And right now I should be cleaning up my room and getting ready for next week but I am blogging.
- January 20, 2012 at 1:33 PM
- Tubbs Family said...
I appreciate your honest analysis of homeschooling. I get so fustrated when 'my' schedule isn't on schedule and when everything 'I' need to get done doesn't. However, I'm finding the pros outweighing the cons everyday! What are some curriculum are you using?
- January 31, 2012 at 11:38 PM


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The one hundred sixty-third issue of Doctor Who Adventures had a cover date of 22 April - 28 April 2010.
Contents Edit
Free gift Edit
- Dalek notebook, Dalek document wallet, seven Dalek pencils and a Dalek eraser.
Information / Fact File (Photo feature and Essential Info) Edit
- NEW SERIES PREVIEW: Episode 4 The Time of Angels
- FACTFILE: The New Daleks!
Comic content Edit
- Winning Hand (4 pages)
Mega Moments (favourite scene told as a photo-feature) Edit
- From: TV: Victory of the Daleks - Episode 3 highlights
Fast Facts (Collectable Fact File) Edit
- None
Posters Edit
- A3 new-look Supreme Dalek
- A4 Stern Smiler in his booth.
- A4 Amy Pond.
- A4 The Eleventh Doctor looking out of the TARDIS door
Behind the scenes Edit
- My Diary by Matt Smith featuring a reader's "Ask Matt!" question
- Filming: Inside the Dalek Ship Victory of the Daleks
Interview Edit
- None
Additional features Edit
- Welcome and news (featuring Who's Who? And Monster Alert!)
- CODE ALERT: to win a new sonic screwdriver from Character Options
- I-Spy Scene Search
- Puzzle page and Quiz Amy Pond
- Readers contributions: Who and You Upload
- featuring readers' letters, photos, and art.
- Picture Puzzle: Spot the Difference to win How to Train Your Dragon book sets.
- Competition Goodies (iPod Touch and TimeRiders books and Doctor Who Myths and Legends DVD boxsets)
- Readers Survey (2 pages) for a chance to win new Eleventh Doctor "Crash" figures from Character Options
Credits Edit
- Editor: Moray Laing
- Deputy Editor: Paul Lang
- Senior Art Editor: Nikki Davies
- Production Editor: Liza Millett
- Designer: Melanie Caine
Hidden Away / Facts Edit
- A new design feature for the new-look Daleks is a real eyeball at the end of their stalks.
- For much of the shoot, the Eleventh Doctor used a prop Jammy Dodger to hold back the Daleks in Victory of the Daleks
- The new-look Daleks in Victory of the Daleks are as tall as Matt Smith so that they can see each other.
- Scenes inside the Dalek ship (Victory of the Daleks) were filmed inside a cigar factory in Cardiff Wales on 4th September 2009.
- There are five types of new Daleks: Supreme leader (white), Drones (red), Strategistst (blue), Scientist (orange) and the Eternal (yellow).
- These new Daleks are 100% pure Dalek created from original Dalek DNA preserved inside the Progenitor (Victory of the Daleks).
Additional details Edit
- WARNING: Although compliant with all necessary safety checks, three readers have reported their TARDIS clock (free gift with issue 160) gives off a burning smell. Readers are encouraged to remove batteries and call 020 8433 2165.
- The subscription offer for this issue with a saving of 30% as well as Doctor Who: The Ultimate Monster Guide book.
- This issue had a cover price of £2.10 (UK) and the free gift was bagged.
- Next issue's free gift is promoted as a Weeping Angel mask.
External links Edit
Community content is available under CC-BY-SA unless otherwise noted.


text:
Unconfirmed reports have claimed that the Israeli air force has attacked convoys near Syria's border with Lebanon.
The news reports follow several days of tension, during which there were suggestions of activity around installations where the regime of Syrian president Bashar al-Assad keeps a large stock of chemical warfare agents.
Israel's air force has been put on the highest state of alert, ready to react if the threat situation changes status, sources say. Israel has expressed concern that Assad's forces could lose control of their chemical weapons during a 24-month-old civil war.
Air force commander Maj Gen Amir Eshel recently expressed a deep concern about Syria's stockpile of chemical materials, and said all preparations were being made to deal with any potential threat.
Source: Flight International


text:
Jeremiah 35:12-19 English Standard Version (ESV)
12 Then the word of the Lord came to Jeremiah: 13 "Thus says the Lord of hosts, the God of Israel: Go and say to the people of Judah and the inhabitants of Jerusalem, Will you not receive instruction and listen to my words? declares the Lord. 14 The command that Jonadab the son of Rechab gave to his sons, to drink no wine, has been kept, and they drink none to this day, for they have obeyed their father's command. I have spoken to you persistently, but you have not listened to me. 15 I have sent to you all my servants the prophets, sending them persistently, saying, 'Turn now every one of you from his evil way, and amend your deeds, and do not go after other gods to serve them, and then you shall dwell in the land that I gave to you and your fathers.' But you did not incline your ear or listen to me. 16 The sons of Jonadab the son of Rechab have kept the command that their father gave them, but this people has not obeyed me. 17 Therefore, thus says the Lord, the God of hosts, the God of Israel: Behold, I am bringing upon Judah and all the inhabitants of Jerusalem all the disaster that I have pronounced against them, because I have spoken to them and they have not listened, I have called to them and they have not answered."
18 But to the house of the Rechabites Jeremiah said, "Thus says the Lord of hosts, the God of Israel: Because you have obeyed the command of Jonadab your father and kept all his precepts and done all that he commanded you, 19 therefore thus says the Lord of hosts, the God of Israel: Jonadab the son of Rechab shall never lack a man to stand before me."
Cross references:
English Standard Version (ESV)
The Holy Bible, English Standard Version. ESV® Text Edition: 2016. Copyright © 2001 by Crossway Bibles, a publishing ministry of Good News Publishers.
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text:
NREMT EMT Exams
NBEMSA periodically hosts EMT Practical Exams based upon the EMT course schedule. Seats for these exams are extremely limited. Please check the registration page for any dates that are currently available. For a list of examinations taking place in Connecticut please visit:
NREMT Paramedic Exams
NBEMSA does not host NREMT Paramedic Psychomotor Examinations routinely. We typically host these exams every six months and there is very limited space for outside candidates. When we do host them and there is availability for outside candidates, the exam will be posted on our course registration page and the NREMT find an exam webpage listed below.


text:
Ideal for small to medium spraying tasks around the home, making painting a fast and simple process.
It is ideal for painting a wide variety of objects including toys, trellis and household and garden furniture.
It can be used with both oil and water based products recommended for spray applications, including paint, varnish, stains and wood preservatives.
With an adjustable spray nozzle which provides a choice of 3 spray patterns and a spray regulator to control the paint flow, you'll be able to achieve an accurate, even finish.
Warranty Information
1 Year Warranty


text:
"Friedrich Nietzsche stated, "Without music life would be a mistake." For my abstract series, "Unplugged," I tap into my lifelong fascination with music's raw emotional power. Music can instantly change my state of mind and hammer away at inner commotion. When I work on my art, the music is on, LOUD, and I embrace the rhythm and the sound vibrations," states artist, Joanie Landau. "Creating art without music would be like trying to work in total darkness. My first solo show at the LAA, "Rumble 'N Sway," is comprised of all new pieces from this collection. Each work begins with original photography, which I digitally manipulate until I am satisfied with the outcome. I love working with saturated color as well as starkly contrasting black and whites. I very often do a study of the same piece in all its beautiful transformations. The digital art experience provides an outlet to be unceasingly creative, continually working and reworking pieces with the click of a mouse. Every new layer or filter creates endless possibilities, tapping into the unlocked potential that exists and providing the feeling that there are no barriers."
The gallery is open Saturdays and Sundays from 1 to 4:30 pm. Admission and parking are free. Handicapped access is available by request only. For directions and more information visit loftartists.org.
Sponsored in part by The City Arts Partnership Program, David Martin, Mayor of Stamford, Louis J. Kuriansky Foundation, Bob and Pat Phillips and with support from the Department of Economic and Community Development, Connecticut Office of the Arts".
© Copyright by ConnecticutPlus.com. Some articles and pictures posted on our website, as indicated by their bylines, were submitted as press releases and do not necessarily reflect the position and opinion of ConnecticutPlus.com, Canaiden LLC or any of its associated entities. Articles may have been edited for brevity and grammar. Photos without a credit line are "contributed photos".
Note: We reserve the right to delete posts at any time if we decide that they are offensive or distasteful.
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text:
Be here now.
But what if "here now" is 1 paper draft plus 1 presentation on a paper draft that really isn't done or researched well all in the next 23 1/2 hours and what if "here now" is you're slipping away from me which is sad and scary stinging and numbing and what if "here now" is there isn't even the comfort of summer then boom-done-back to school and what if "here now" is there is literally not enough time in a day for all of the words and people and shut eye and appreciation I need to write and see and have and give, and what if "here now" is really "what next?" in disguise and if "what next?" is really "here now" then I'm not sure how to be. Now.
All I know is that I'm here.


text:
Horses are responsible for more human deaths in Australia than all of the nation's venomous creatures put together. more...
December 8 , 1965 : Pope Paul VI promulgated Vatican II into ecumenical law. more...
Learn something new every day
More Info... by email
A construction supervisor license is an authorization, issued in certain areas, to manage a general contracting job. In the areas where the license is required, it allows an individual to plan and construct buildings and projects under a certain size and square footage. Generally, the license can be obtained by completing a set number of years of experience working in building construction and by passing a knowledge based exam. The exam typically tests a contractor's knowledge of regional regulations and building codes. Construction safety and standard business practices may also be tested on the exam.
Specific regions may choose to regulate which contractors can construct buildings and work on improvement projects. Some areas may control who is able to manage building sites, while other regional governments oversee the licensing for anyone is who involved with the construction process. Generally, a construction supervisor license allows an individual to construct new structures and hire other workers.
In some areas, a construction supervisor license is the only requirement to begin working on a new project. The license may have restrictions on the type and size of the structures the individual who holds the permit can manage. For these cases, a supervisor may need to employ the services of a licensed architect or engineer who is authorized to design and control a large-scale construction project.
When a construction supervisor license is required in an area, the first step to begin the authorization process is generally to earn experience building new structures and working on project sites. The number of years of experience needed to obtain a construction supervisor license varies based on regional regulations. To determine any requirements or prerequisites needed to earn a license in an area, one place to check for information is the city, state, or region's licensing website.
Once experience in the field is gained, the next step towards earning a construction supervisor license is usually to take a comprehensive exam that tests knowledge of regional standards and construction safety practices. The material is generally comprehensive, and may require knowing specific information about building codes. Tests are typically multiple-choice and may be administered at a professional testing facility.
It may be possible to obtain a practice test and a study guide from the regional government office that administers the construction supervisor license test. Local private test preparation companies may offer courses and learning groups to help individuals study to pass the test and learn all relevant material. There are usually fees associated with registering for the test and obtaining a construction supervisor license.
One of our editors will review your suggestion and make changes if warranted. Note that depending on the number of suggestions we receive, this can take anywhere from a few hours to a few days. Thank you for helping to improve wiseGEEK!


text:
|Home > System Control > About system control > Cache control and configuration
The cache control and configuration registers:
provide information on the size and architecture of the instruction and data caches
control cache maintenance operations that include clean and invalidate caches, drain and flush buffers, and address translation
override cache behavior during debug or interruptible cache operations.
The cache control and configuration registers consist of three read-only registers, one read/write register, and a number of write-only registers. Figure 4.3 shows the arrangement of the registers in this functional group.


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Dwelling Sears Dwelling Enchancment Complaint Sears Dwelling Improvement Complaint Hyperlinks and Assets Browse our web site and our advisable sources all designed to help and assist you in turning into more educated about your sears residence improvement criticism needs. He was sent to visitors faculty as a result, the place he met an agent who informed him about Residence Improvement. Instead, Dwelling Enchancment ended up being a sitcom for dads like mine, and dads only get nostalgic for things that happened once they have been sexy teenagers. Some dwelling enchancment initiatives grow out of an immediate want to interchange damaged or inefficient fixtures. Marc Dickinson has labored in each the overall contracting and landscaping trades and is at the moment a house enchancment freelance author with over 300 articles printed. Should you financial institution with us, we could inform you your personal mortgage charge up front – simply be sure you've read the data on this web page before you apply. Listed below are a number of Dwelling Improvement ideas to improve your house with out breaking your budget.
When you find that your credit score rating is stopping you being accepted for the most effective home improvement loans, one possibility is to think about a secured, or home-owner, loan that makes use of your home as safety. All this occurs February 10-12, 2017, so make plans to visit the Triple Crown Pavilion subsequent to the Ramada Plaza Louisville for the Residence Enchancment Expo. This information to home enchancment loans should provide help to to determine whether or not it's the proper finance option for you.
Of the boys, simply Zachery Ty Bryan has made a lot of an effort to remain within the enterprise, popping up on exhibits like Burn Notice and in motion pictures like The Quick And The Furious: Tokyo Drift With Final Man Standing, Thomas is barely currently taking some tentative steps again into the highlight; Taran Noah Smith give up performing entirely whereas nonetheless in his teens, later beginning a vegan meals company.
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Autism costs a family $60,000 a year on average
The topic of this years blog tour is PREJUDICE.
When I see the word prejudice the things that come to my mind are the larger social issues like race, sex, and sexual orientation. These are things I would never claim to have any prejudice toward. I see variety and gender and love, and I don't see how anyone can have a problem with that. My friend having a girlfriend makes no difference to how I live my life or view my relationship with my husband. Another friend falling in love with and marrying a guy from India didn't leave me thinking the sky was going to fall. On the large scale, I don't think about it. However, I have to confess that in some ways I guess I can and have been prejudice and I think we all can be, often without even thinking.
Two examples - A hard habit to break:
* The way someone looks, speaks or acts. Most of us are guilty of prejudging a person from a look or the minute they open their mouth. Films and TV shows will often reflect these stereotypes - the ditzy blonde, the OTT special needs guy, the crazy religious nut, the 'no way he's passing for a girl' transvestite - and we laugh. It's not meant in a bad way, but we do laugh. Reality shows about certain groups within society also do nothing to overcome the preconceived ideas about people. In the UK there are so many shows about different class groups in society - the posh ones are OTT posh, eccentric, frivolous, and ridiculous, the people living on estates are shown as out of work, large families and everybody's on benefits. It does nothing to change those ingrained prejudices.