text:
FAA Releases Long-Awaited Commercial Drone Roadmap and Privacy Policy
On November 7, the Federal Aviation Administration ("FAA") released its first annual Roadmap detailing the steps needed to integrate unmanned aircraft systems (more commonly known as drones) into the national airspace. The Roadmap was required by the 2012 FAA Modernization and Reform Act and it sets the stage for law enforcement agencies, businesses, universities, and hobbyists to use drones by 2015. On the same day, the Joint Planning and Development Office (a group of 6 agencies plus the White House) released a Comprehensive Drone Plan.
Since the early 1990s, drones have operated on a limited basis in the U.S. Until recently, drones were used mainly to support military and border security operations. However, over the past few years as the technology has improved, the potential uses for drones have grown exponentially, with companies focusing on a broad range of activities including surveying land and crops, aerial photography, monitoring environmental concerns, communications and broadcast, and protecting critical infrastructure.
In recognition of the potential benefits to using drones in these new ways, the Roadmap outlines the tasks and considerations necessary to enable drone integration into the national airspace over the next 5-10 years. Specifically, this includes the FAA's plans for ensuring that drone use is safe, and establishes requirements for accommodation, integration, and evolution. The FAA will select 6 test sites to begin work on safely integrating drones, and to research the applicable certification and navigation requirements. Manufacturers will be able to bring drones to the test sites for evaluation by federal safety experts, and the results will in turn assist regulators as they draft more refined rules. The FAA has estimated that 7,500 small drones could be dispatched in the United States within 5 years if the regulations are written on schedule.
The increased use of drones in the national airspace has understandably raised a number of privacy concerns. To address these concerns, in February 2013 the FAA sought public comments on issues related to privacy requirements for the selected test sites. In response to those comments, in addition to the Roadmap, on November 7 the FAA released a final Privacy Policy in the Federal Register. The Privacy Policy requires test site operators to: (1) comply with federal, state, and other laws on consumer privacy protection issues; (2) have a publicly available privacy plan and a written plan for data use and retention; and (3) conduct annual reviews of privacy practices that allow for public comment. The FAA noted that site privacy plans must be "informed" by the "Fair Information Practice Principles" that the FTC considers in regulating Internet privacy.
The release of the Roadmap and Privacy Policy has triggered heated debate; some privacy advocates argue that it does not go far enough in mandating specific data use and retention requirements, while others argue that the document shows that the FAA is taking privacy considerations seriously, and is doing as much as it can given that this is the first time the FAA has considered such issues — typically the FAA's focuses solely on safety. However, the FAA has made clear that in addition to refining the safety considerations in the Roadmap based on lessons learned at the test sites, it also intends to hone the privacy requirements over time.


text:
Lightweight Windbreaker Jacket
Lightweight Windbreaker Jacket - CACTUS-BLOOM-PINK - M - Talbots is rated out of 5 by 10.
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Style # P191034325
Additional Information
Part of T by Talbots, our most comfortable collection ever!
Soft, lightweight, and functional. With a hidden hood zipped into the collar, our new windbreaker is the perfect jacket to wear when there's a chance of rain! For a more fitted look, try tightening the drawstring hem.
- Long sleeve
- Below Hip length
- Zip pockets
- Imported
Fit and Material
Fit: Length: Misses: 27 1/2", Petite: 25 1/2", Plus: 29 1/2"
Material: 100% Polyester
Care: Machine Wash; Tumble Dry Low, Cool Iron if Needed
Lightweight Windbreaker Jacket - CACTUS-BLOOM-PINK - M - Talbots is rated out of 5 by 10.
Rated 5 out of 5 by damsel41 from Update after 2 months I wore this in several pretty strong storms. It did the job. The jacket is what I would call water repellant. Water beads up on the fabric, shakes off when you remove it. The hood has no string to tighten it, so that did not work as well. My shirt under the jacket stayed dry.
Date published: 2019-06-14
Rated 3 out of 5 by Senior Lady from Runs large Very light weight, needs to have layers under it to have any wind breaking quality.
Date published: 2019-05-25
Rated 1 out of 5 by Dori from So thin-see through jacket I had high hopes for this jacket. It is a really pretty shade of pink. However, it is so thin I could see my striped shirt through it. There was nothing to it- definitely not worth the price and I even had a sale price. Back it went....
Date published: 2019-04-14
Rated 5 out of 5 by LoveSummer from Love this windbreaker This windbreaker is just perfect for me. It's very lightweight with an extremely pretty blush color. It has perforations so it will breathe well in hot weather. I had to size up a bit to make it fit (to size large) but then it was proportioned perfectly for me. Wish they'd come out with this jacket in other spring pastel colors.
Date published: 2019-03-09
Rated 4 out of 5 by Pink windbreaker from Love my jacket. I bought my jacket on line after trying on in a store. But decided later buy. Easy pie!
Date published: 2019-02-13
Rated 2 out of 5 by LaDona from Not for me The only thing I really liked about this jacket is the color. The material is very thin and has no stretch. The top of the jacket fit ok, maybe a little big, but that's ok for a jacket. However, the bottom was tight. If you're curvy, like I am, I do not recommend. I don't usually have a problem with Talbots sizing, but this jacket just didn't work for me. Disappointing.
Date published: 2019-02-10
Rated 5 out of 5 by EvieM from Cute Jacket Bought this to go with the pink striped tee. So cute together, and a great weight for travel.
Date published: 2019-02-10
Rated 5 out of 5 by A Talbots Classic from Lovely jacket This windbreaker jacket definitely perks up my spring wardrobe. Love the color, styling and fit - all are wonderful. It's described as lightweight, and it is. I was expecting it to be like an earlier T by Talbots windbreaker jacket I have of 100% polyester which is a tad bit heavier and has a slightly crisp feel to it. This 100% polyester jacket is actually more lightweight and with a silky, soft feel to it. I know I'll enjoy wearing it, but I do question its durability as compared to my earlier one which I still love wearing and still looks like new.
Date published: 2019-02-03
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Is it lined?
No, this item is not lined.
Date published: 2019-02-18
Is this jacket water repellant or water resistant?
This jacket is not water repellent or water resistant.
Date published: 2019-02-24
- bvseo_sdk, dw_cartridge, 17.1.0, p_sdk_3.2.0
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- questions, product

subset: commoncrawl


text:
Joined Equilibrium in 2015
I joined Equilibrium in March 2015 as a Client Manager before progressing to Chartered Financial Planner in September 2017.
My goal when joining was primarily to expand my knowledge into all aspects of wealth management, however, I quickly realised that the service Equilibrium provides goes beyond just investment or tax advice.
As a Chartered Financial Planner at Equilibrium, I enjoy working with clients to put together a financial plan that meets their objectives and then giving them the confidence in that plan through regular reviews and meetings.
In my spare time, I always want to get out into nature and I enjoy hiking, climbing and cycling. When weather's not permitting, I'm an avid film buff enjoying anything from comedy to crime.


text:
A hypothermal man rescued from Lava Lands Visitor Center on Thursday night may have walked all the way to Benham Falls and back without clothing, a distance of more than 10 miles. Temperatures at the time dipped to the low 20s, according to a Deschutes County Sheriff's Office press release.
The 27-year-old John Day man, Adam Gilliam, was disoriented and naked when he approached another motorist and asked for help jump-starting his vehicle. Gilliam was in his vehicle at the visitor center entrance on U.S. Highway 97 south of Bend when officers arrived. He appeared to be hypothermal, according to the sheriff's office, and he was suffering from extensive injuries consistent with walking naked through brush and trees.
Gilliam was taken to St. Charles Bend, where he told deputies that he had walked from the visitor center to Benham Falls and back without clothing.
Police believe drugs may have played a role in his behavior.


text:
U.S. Bankruptcy Judge Martin Glenn recently decided that a fully-negotiated agreement would not be enforced in the absence of required signatures. The agreement contemplated a settlement between the General Motors bankruptcy trust and car purchasers and accident victims of General Motors cars following an alleged vehicle defect; both parties fully and unambiguously agreed to be bound by the terms of the agreement.
After filing for Chapter 11 protection in 2009, General Motors received $50 billion to operate its business, and the reorganized company was labeled by some as "New G.M." While New G.M. resumed its business operations as a car manufacturer, Motors Liquidation Company, or "Old G.M.", became a trust responsible for paying back creditors.
In 2014, G.M. became the target of a litigation whereby car accident victims accused the carmaker of defective ignition switches which led to the deaths of 124 people. In addition to recalling millions of cars, Old G.M. (or "the trust") entered into a deal whereby it agreed to accept liability, make a $15 million payment and require the issuance of 30 million shares of common stock by New G.M. to its creditors. The combination of the $15 million payment and issuance of 30 million shares of stock totaled nearly a $1.02 billion settlement. Despite the plaintiffs' attorneys and the trust agreeing to the deal, shortly thereafter New G.M. refused to cooperate. Instead, New G.M. brokered a deal with the trust whereby New G.M. would pay the trust's legal fees in upcoming litigation with creditors in exchange for the trust withdrawing from the original agreement.
The plaintiffs argued that the settlement agreement should be binding under New York law. The plaintiffs argued that the trust's constant communication regarding its intent to be bound by the settlement constituted partial performance. In opposition, the trust argued that the agreement was never executed and therefore was not binding.
Judge Glenn's decision turned on whether a provision within the settlement agreement, which called for signatures in order for the agreement to become "effective and binding", was an essential part of the agreement or merely a boilerplate contractual provision. Judge Glenn held that contract law allows parties to withdraw from unsigned settlements and ruled that he could not enforce the deal without the trust's signature. Judge Glenn left open whether plaintiffs may have other remedies against the trust.


text:
Florida coach Will Muschamp has been adamant through the first four games that the Gators have been holding nothing back, saving nothing for, say, Alabama.
He must have been talking about the UF defense.
Because offensive coordinator Charlie Weis revealed Tuesday that there's still plenty left in his thick playbook, and it sounds like it's all coming out Saturday night against the nation's strongest defense.
"Sometimes when you're playing football, you have to realize that punting isn't necessarily a bad thing," Weis said. "We want to score a touchdown every time we get the ball. But you want to make sure you make good decisions where you don't make that critical mistake and give one to them.
"You play fundamental football and you have to go ahead and throw the kitchen sink at them. They're going to get the kitchen sink.
"You guys have been writing about holding things back. Well, you won't have to worry about that this week. They're going to get plenty."
Going against a dominant defense with no apparent weaknesses, the Gators may have to empty Weis' playbook in an attempt to find a rhythm and score some points.
Weis said the Tide has that kind of defense.
"It's unique when you go against a defense that is solid at every position. That doesn't happen very often," Weis said. "Most people talk about what are they going to do schematically. I always start with personnel. I always look for weak links in personnel, people that you can attack.
"This is an unusual group because they really don't have one. They're solid across the front, solid at linebacker, solid in the secondary. Throw on top the fact they're very well-coached and not a grab-bag operation and you have your work cut out for you."
The Tide defense has been almost impossible to crack through the first four games, but Weis and the Gators appear to be looking forward to the challenge.
"I think we'll show up on Saturday," Weis said. "I think we have a lot of confidence in our own ability and we realize this will be quite a challenge and we have a lot of respect for the Alabama defense and their coaching staff.
"We have a lot of confidence in ourselves, too."
Through the first four games of the season, Weis' offense has been run through speedy tailbacks Chris Rainey and Jeff Demps, who have combined for 1,015 total yards (running and receiving) and eight touchdowns.
They are the focal point — and the aspect of the offense that Alabama likely will target in preparation.
"We have to wait and see how they play the game (on defense)," Weis said. "You have to have multiple ways of being able to do that (effectively use Demps and Rainey). You can't just do the same thing each week. You have to have a plan where if they stop this, you have another way of getting to the same means to an end.
"You just have to see how it goes. You go into the game and you have to have to plan and tweak. You have to have a plan ready to go depending on what they end up doing."
Weis said the one thing the Gators can't afford to do is turn the ball over Saturday.
"We have to do our job," he said. "One of the things is take care of the football, not give up any easy points to the opponent. I think we go do what we do and take care of the football, it's going to be a good game."
The Gators certainly have a good feel for what the Tide do defensively. Will Muschamp was a defensive coordinator under Nick Saban at LSU, and also worked with Alabama defensive coordinator Kirby Smart when Muschamp and Smart were at Texas.
There's also the Bill Belichick influence that Weis is familiar with.
"It's funny. When Will and I talked today, one of the first things I did was say, 'Tell me about Nick, tell me about Kirby,' " Weis said. "These are like his boys.
"I know Nick worked for Bill back in the Cleveland (Browns) days before (Saban went to) Michigan State. A lot of the terminology is the same. A lot of the things are consistent.
"One thing is they've got a good, sound system that they have a lot of familiarity with. They also have good players. Sometimes you wish that weren't the case, but that's the case. We have to make sure we don't create any mismatches in the opposite direction."
UF quarterback John Brantley said he is looking forward to seeing the plan Weis comes up with to attack the Tide defense.
"He does a great job," Brantley said. "After the first series, he really knows what (the opposing defense) is going to do the rest of the game. He goes off that. He just does a great job calling plays."
Weis may be calling some plays Saturday that have not been seen yet.
Weis to empty playbook against Alabama
Florida coach Will Muschamp has been adamant through the first four games that the Gators have been holding nothing back, saving nothing for, say, Alabama.


text:
Nov 11, 2016
Score: VCU 80, UNC Asheville 65
Location: Richmond, Va. (E.J. Wade Arena at the Stuart C. Siegel Center)
Records: VCU 1-0, UNC Asheville 0-1
Attendance: 7,637 (84th consecutive sellout)
The Short Story: Senior Mo Alie-Cox led five Rams in double figures with 15 points off the bench as VCU pulled away from reigning Big South Champion UNC Asheville Friday night at the E.J. Wade Arena.
- Alie-Cox, coming off the bench for the first time in 73 games, stole the show, knocking down 5-of-7 field goals and 5-of-7 at the line in 28 minutes. He also pulled down six rebounds.
- Senior guard Doug Brooks provided one of the best performances of his career with 12 points, four assists and three steals. His dogged on-ball defense bothered the Bulldogs for much of the evening.
- Junior forward Justin Tillman also finished in double figures with 14 points on 7-for-11 shooting from the floor. Tillman collected six rebounds in 24 minutes
- Junior Jonathan Williams and redshirt freshman Samir Doughty each also added 10 points.
- VCU used a 9-2 run, led by three Williams layups, to create a 43-35 margin with 15:52 remaining. UNC Asheville would draw no closer the rest of the way.
- The Rams effectively put the Bulldogs away for good with a 9-0 burst, punctuated by a Brooks three from the right wing with 8:11 left, that pushed their edge to 64-47.
- The first half featured nine lead changes and three ties. But a pair of Alie-Cox free throws and a corner three by JeQuan Lewis gave VCU a 36-30 lead with 1:14 remaining in the first. The Rams would not trail again.
- The Rams shot 55 percent (31-of-56) from the floor and outrebounded UNC Asheville 35-25.
- The Black and Gold dominated from the paint, outscoring the Bulldogs 44-30 down low.
- VCU caused 13 total turnovers, turning those into 14 points on the night.
VCU hits the road for the first time this season on Tuesday, Nov. 15, when it takes on Liberty at 8 p.m. at the Vines Center.


text:
An innovative industry leader, Tradition Title Agency provides unrivaled service with continued expansion of our full range of services and solutions in New York, New Jersey and Pennsylvania. Our experienced and knowledgeable staff, along with our carefully developed network of key partnerships, can find creative solutions for any complex residential or commercial need for a clear title.
We are especially well known for:
Reverse Mortgages
A specialty of Tradition Title Agency, we help lending professionals streamline the often-complicated process of assisting seniors to stay in their beloved homes with a Reverse Mortgage. We create productive working partnerships to educate and assure consumers, leading to less fear and confusion for seniors and their families, and more trouble-free, successful closings for you.
Commercial Mortgages
We save our business-to-business clients time, aggravation and money by anticipating and solving challenges before they become a deal breaker for you or your client. With our 40-plus years of experience, no issue has ever proven irresolvable to the expert team at Tradition Title Agency.
Residential Mortgages
Tradition Title Agency works with all types of lending professionals to help people realize the American Dream of home ownership, insuring that no one has to endure the nightmare of unexpected expenses, claims or losses now or after the closing.
Please call the Tradition Title Agency office for more information at 631-328-4410 or submit our contact us form.
We can help!
Title Services8 Mar
Reverse Mortgage Index at Record High28 Sep
The National Reverse Mortgage Lenders Association (NRMLA) / RiskSpan Reverse Mortgage Market Index (RMMI), which quarterly analyzes trends in the home equity, home values and mortgage debt of homeowners age 62 and older, hit its record-high of 195.29 in the second quarter of this year.
This growth effectively surpasses the prior record of 192.03 the RMMI set in the fourth quarter in 2006. On a quarter-over-quarter basis, the index rose 3% in the second quarter, driven by a $117.1 billion increase in senior home equity, according to the RMMI. (Click chart to maximize image)
The increase in senior home equity, relative to the first quarter, was driven by an estimated $122.8 billion growth in the aggregate value of senior hosing, which the NRMLA/RiskSpan RMMI noted was offset by a $5.7 billion increase in senior-held mortgage debt.
"The strong gains in housing wealth among America's seniors are an encouraging indicator for the millions of boomers who weathered the recession on the cusp of their retirement years," said NRMLA President and CEO Peter Bell in a written statement. "The home equity they've worked so hard to build up can serve as a valuable financial management tool for years to come."
The second quarter was the 13th consecutive quarter in which the RMMI has risen.
Additionally, the current estimate of $4.08 trillion for the aggregate value of senior home equity represents a 38% recovery from the post-Recession trough in the second quarter of 2011, when senior equity levels fell to an estimated $3 trillion, according to the NRMLA/RiskSpan analysis.
from RMD online September 22, 2015
Who Are We?25 Aug
Title Services
An innovative industry leader, Tradition Title Agency provides unrivaled service with continued expansion of our full range of services and solutions in New York, New Jersey and Pennsylvania. Our experienced and knowledgeable staff, along with our carefully developed network of key partnerships, can find creative solutions for any complex residential or commercial need for a clear title.
We are especially well known for:
Reverse Mortgages
A specialty of Tradition Title Agency, we help lending professionals streamline the often-complicated process of assisting seniors to stay in their beloved homes with a Reverse Mortgage. We create productive working partnerships to educate and assure consumers, leading to less fear and confusion for seniors and their families, and more trouble-free, successful closings for you.
Commercial Mortgages
We save our business-to-business clients time, aggravation and money by anticipating and solving challenges before they become a deal breaker for you or your client. With our 40-plus years of experience, no issue has ever proven irresolvable to the expert team atTradition Title Agency.
Residential Mortgages
Tradition Title Agency works with all types of lending professionals to help people realize the American Dream of home ownership, insuring that no one has to endure the nightmare of unexpected expenses, claims or losses now or after the closing.
Please call the Tradition Title Agency office for more information at 631-328-4410 or submit our contact us form.
We can help!
Keeping Up With The HECMs3 Mar
This past weekend saw the most recent of many changes to the HECM Reverse Mortgage program, when HUD set a new date for the implementation of Financial Assessment. Here is a summary:
* Financial Assessment – All reverse mortgages with FHA case numbers assigned on or after April 27, 2015, will be subject to Financial Assessment. Lenders must now check credit history and funds available to determine a borrower's willingness and ability to keep up with property charges (real estate taxes and homeowners insurance).
* New Principal Limit Factors – August 4th of last year saw a change in the figures used to calculate the amount of money a HECM borrower may receive. Most borrowers will see an increase in funds available.
*Maximum First Year Draw – Borrowers are limited to 60% of available funds during the first year of their reverse mortgage, with the exception of "Mandatory Obligations" ie: funds which satisfy liens that must be paid at closing, including closing costs, upfront FHA mortgage insurance premiums, mortgages and home equity loans being paid off by the HECM.
* Reduced Up-Front Mortgage Insurance – Closing costs are significantly lower for those borrowers who access less than 60% of available funds at closing – higher for those whose Mandatory Obligations brings the initial draw over 60%.
*Protections for Non-Borrowing Spouses – the new Principal Limit Factors include non-borrowing spouses younger than the qualifying age of 62. There are certain protections for these spouses should they survive the borrower.
For details on these changes, contact Tradition's President, Karen Keating. She holds the prestigious Certified Reverse Mortgage Professional designation and can answer any questions or direct you to the pertinent Mortgagee Letter.
CFPB Consumer Complaints25 Feb
A recent report from the Consumer Finance Protection Bureau that takes a look at consumer complaints in the reverse mortgage arena over a three-year period has identified seven main complaints about the process.
Consumers complain that they cannot refinance
Consumers complain that they are unable to change the terms of their loans
Surviving spouses lose their home upon death of the borrowing spouse
Consumers complain about problems with loan servicing
Consumers complain that loan servicers make repaying the loan difficult.
Consumers complain that they are facing foreclosure due to nonpayment of property taxes or homeowners insurance
Consumers complain that loan servicers fail to keep accurate records.
Consumers complain that they face obstacles when attempting to prevent foreclosure
Most of the complaints boil down to consumer confusion over the terms of a loan. The most common complaint is that borrowers are unable to refinance. Related, many consumers dislike that they cannot change the terms of the loan. The most frequent complaint concerning requested loan changes "involves consumers wishing to add additional borrowers to the loan in order to extend the term of the loan," the report states. "Reverse mortgages prohibit loan assumptions since actuarial tables are used when a reverse mortgage is issued to determine how much to lend to the borrower."
Perhaps the most serious complaint comes from surviving, non-borrowing spouses. When the borrower spouse dies, surviving spouses suddenly face foreclosure, despite the fact that "some consumers report that their loan originator falsely assured them they would be able to add the other spouse to the loan at a later date," the report states. Similarly, others complained that the loans are often difficult to repay and that lenders often throw obstacles in the way when consumers take steps to avoid foreclosure.
It should not be construed, however, that complaints run rampant in the reverse mortgage world.
From December 2011 through December 2014, the CFPB received 1,200 complaints regarding reverse mortgages. In 2012, the CFPB stated in its Report to Congress that there are an average 70,000 reverse mortgage loans written every year. Reverse mortgages make up about 1 percent of all mortgages, and complaints about reverse mortgages make up about 1 percent of all mortgage complaints.
Usually, borrowers themselves are happy with the loan process and complaints typically come from adult children who were not part of the lending process to begin with ‒‒ and were excluded specifically by borrowers wanting to keep their children out of the process.
One bright spot for non-borrowing spouses, however, is the changes the Department of Housing and Urban Development has implemented to give non-borrowing spouses greater leeway to defer loan payments after the borrowing spouse's death. Mortgagees can start complying with new non-borrowing spouse requirements for case numbers assigned as of Jan. 12, and full compliance is mandatory as of March 9.
New Reverse Mortgage Qualifications Do Not Allow For "Deadbeats" – The Mortgage Professor Comments28 Jan
One of the attractive features of the HECM reverse mortgage has been that there
are no income or credit requirements. All homeowners 62 and older who live in
their homes without a mortgage have been eligible, and those with mortgages
may also be eligible if the balance is not too large.
But all that will change effective March 2, 2015 when a series of drastic new FHA rules come into play.
The precipitating factor underlying the new rules is the marked rise that has
occurred in recent years in property tax defaults by HECM borrowers. While
such borrowers are violating their obligations under the reverse mortgage
contract, and are thereby subject to foreclosure and eviction, FHA has been
understandably reluctant to allow elderly homeowners to be thrown into the
street. Because of the potential political and public relations fallout,
those critical provisions of the HECM contract are essentially unenforceable.
Instead, FHA has elected to impose income and credit requirements on future
applicants. The purpose is to assure that henceforth borrowers will have both the
capacity and the willingness to pay their property taxes and homeowners
insurance. While this won't affect existing loans that are now in default, it
should sharply reduce the default rate on new loans. The downside is that future
borrowers will have to pay the higher costs of originating and servicing HECMs,
and wait longer for deals to be completed.
The new underwriting requirements that lenders will apply to all applicants are
very detailed, and in some respects tougher than those used with standard
mortgages. I went through the new rules with an underwriter, who pointed out a
series of provisions that went beyond anything in the rules pertaining to standard
mortgages. This is strange, considering that applicants for reverse mortgages pay
only taxes and insurance whereas applicants for standard mortgages also pay
principal and interest, which is usually much larger.
On the other hand, the applicant for a standard mortgage who fails to meet the
underwriting criteria is rejected whereas the applicant for a reverse mortgage
who fails the test has another option, called a FullyFunded Life Expectancy SetAside.
The SetAside is an amount drawn under the HECM that is reserved for
payment of property taxes and insurance by the lender. The amount, calculated
using a formula provided by FHA, is viewed as sufficient to assure the required
payments can be met though the entire life span of the borrower.
I calculated the required SetAside for a borrower of 75 with life expectancy of
144 months, taxes and insurance charges of $5000 a year, and interest rate plus
mortgage insurance premium of 5%. It was $54,000, not a trivial sum. If this
borrower had equity in his home of only $100,000, the SetAside
would use virtually all of it, and no additional funds could be drawn. If his equity was less,
the required SetAside would not be possible and he would be rejected.
There is another possible option, however, termed a PartiallyFunded Life
Expectancy SetAside. This is available to applicants who meet the credit
requirements and are therefore viewed as willing to meet their obligations, but
don't have enough income. This SetAside, which can be much smaller, is used
to draw funds from the HECM twice a year, which are sent to the borrower who
makes the payments.
In addition to their complexity, the new rules have two remediable weaknesses.
One is that the new underwriting requirements must be applied to every
applicant. But applicants with plenty of equity in their homes might find that the
fullyfunded SetAside imposes no burden on them at all, in which case the
underwriting costs could be avoided. There is no reason why lenders and
borrowers should not have that option.
The second weakness is mandating that the lender make the required payments
under the fullyfunded SetAside. Why not give borrowers the option of making
the required payments with their own funds, with the inducement that an
equivalent amount will be transferred from the SetAside account to the
borrower's credit line? The purpose is to encourage borrowers to become
responsible. This would involve no risk to FHA, since the lender will make the
payments if the borrower doesn't.
Copyright © 2015 The Mortgage Professor
Reverse Mortgages: What Every Retiree Needs to Know
Dan Caplinger
Millions of retirees face the financial challenge of making ends meet, and for many of them, the equity they have in their homes is their largest untapped asset. Yet many retirees don't want to make the dramatic decision to sell their family home in order to free up the home equity they've built up over the years, preferring instead to stay where they are and consider alternative ways to gain access to much-needed cash. In that vein, reverse mortgages promise to give retirees an easy way to pull out their home equity, but there are several technicalities that you should understand before considering a reverse mortgage. Let's take a closer look at what reverse mortgages are and whether they're right for you.
What a reverse mortgage is
One of the biggest confusions about reverse mortgages is the terminology involved. In its most traditional form, a reverse mortgage involves making an arrangement with a lender whereby the lender makes monthly payments to you. But reverse mortgages have several different payment arrangements. One allows you to take payments for as long as you're alive and remain in the home. Others let you take payments for a fixed number of years, in a lump sum, or at the future time of your choosing through a line of credit. Which option you choose will affect how much you're able to borrow, but in general, the percentage of your home equity that you're allowed to tap will be higher for older retirees and lower for those at or near the minimum required age of 62.
The Federal Housing Administration runs a government-insured reverse mortgage program that uses private lenders to extend reverse mortgage loans. The primary benefit of FHA reverse mortgages is that as long as the reverse-mortgage borrower remains in the home as a principal residence, the loan won't come due. Only after the borrower dies, sells the home, or moves elsewhere does the reverse mortgage immediately become due. Moreover, if the loan amount outstanding exceeds the value of the home, then the government is on the hook to cover the difference, protecting the lender and making sure that the lender won't come after you for any shortfall.
The costs of a reverse mortgage
The benefits of reverse mortgages come at a price, though. Initially, you'll pay between 0.5% and 2.5% of your loan amount as a mortgage insurance premium, and every year, you'll pay another 1.25% of the outstanding mortgage balance to cover insurance costs. In addition, lenders are eligible to charge origination fees of as much as $6,000, with charges of up to $2,500 for the first $125,000 of value, 2% of the next $75,000, and 1% of the value above $200,000 subject to the overall maximum. Finally, monthly servicing fees can add $30 to $35 to the cost of a reverse mortgage.
To make things easier for retirees, the FHA often allows you to incorporate these costs into the total amount of the loan. That means you don't have to pay them out of pocket, but they also reduce the amount that's available to you to borrow or receive in monthly payments.
The surprise "gotcha" with reverse mortgages
One confusing aspect of reverse mortgages that trips up unsuspecting families is the requirement that the borrower live in the home. When married couples are both listed as borrowers on a reverse mortgage, their joint life expectancies can result in reduced payments. To boost their payment amounts, some homeowners choose to list just one family member on the reverse mortgage.
That strategy can backfire if the borrower has a medical condition that requires long-term care outside the home. In some cases, the borrower's spouse will find that the reverse mortgage comes due immediately because the borrower no longer can treat the family home as a primary residence, and the spouse will therefore have to move out if the loan can't be repaid.
The solution is simply to list both spouses on the reverse mortgage and accept the lower benefits that come with it. The peace of mind of knowing that the loan can't come due as long as either one of the named spouses lives in the home can outweigh any financial reduction in payments.
Learn more
You can find more information about reverse mortgages from the websites of the government agencies that oversee them. The Department of Housing and Urban Development has information on reverse mortgages here, and you can see the answers to many frequently asked questions about reverse mortgage on this web page.
Reverse mortgages can be complicated, but they also offer a unique way to tap your home equity in a way that's consistent with the typical retiree's lifestyle. As long as you're aware of the potential pitfalls, a reverse mortgage can be a great solution for your liquidity needs while letting you stay in your home as long as you like.


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HVCB Hawaii is famous for its rainbows, and not just the rainbows in the sky. Hawaii is a rainbow of cultures, beliefs, hospitality and natural wonders. The culture is colorful, physically and spiritually, and the embrace of the natural beauty … Continued
Hawaii Photography
Kauakea Winston Photography
Getting Married in Hawaii? Why not plan a small gathering on the beach or in a garden setting where the intimacy you share can be skillfully photographed by Kauakea Winston. With over 25 years of experience, Kauakea's photos are adored … Continued
Watersun Photography
Photography Survival On Location The key to photography survival on location is in using your imagination and creative resources to maximum advantage. Commercial photography assignments at new or unfamiliar venues are fraught with potential pitfalls that can challenge the … Continued
Douglas Peebles Photography
How I Photograph Hawaii I photograph with a digital SLR camera. I also carry several lenses, filters and a tripod. These are also all professional equipment. That means they are both expensive and heavy. I really wish I could … Continued


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Since I've been doing BeachBody workouts on and off for 2 years now I've often heard of Shakeology, how good it tastes, and how good it is for you. So after receiving a free sample of chocolate Shakeology last week and LOVING it, I decided to finally order it for myself. And since they were having a special including a bag of Shakeology + the 3-Day Refresh (for just $20 more than it would cost for Shakeology alone) I decided to give it a go too. Let me tell you, I was very pleased with the results of the 3-day refresh.
Results: I lost 3.6 lbs, 2 inches from my waist, 1 inch from my hips, and 0.5 inches from my arms. Continue reading


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BBQ Crash Course
BBQ Crash Course offers a rare opportunity to sample some of Central Texas's greatest and realest BBQ all in one spot, delivered to you by the men and women who make it day in and day out - come and meet the pitmasters!
**Special Ticketed Event**
[Programming descriptions are generated by participants and do not necessarily reflect the opinions of SXSW.]
Primary Entry: Music Badge, Platinum Badge, Film Badge, Interactive Badge
Event Type: Special Event


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Features » November 14, 2019
A Quick Guide to Impeachment, in 10 Numbers
From Richard Nixon and Bill Clinton to the alleged crimes of Donald Trump.
Impeachment has been on Democrats' minds since the day Donald Trump took office. Rumors had already begun swirling that the Trump campaign colluded with Russia to hack the 2016 election; in the ensuing Mueller investigation, Trump was accused of obstructing justice. But that's not why we now find ourselves in the midst of a formal impeachment inquiry.
In fact, there's a lot that the current inquiry is not technically about. Like the 2,300 conflicts of interest that have arisen since Trump's decision not to divest from his businesses during his presidency or the 25 accusations of sexual assault that he has fielded since the 1970s. Not even the tax fraud the President may have committed in 2017.
Instead, the alleged high crime that finally pushed Democrats to begin impeachment proceedings brings us almost entirely full circle: Trump may have asked for a foreign power to help him win the 2020 election. That would be illegal under federal law, says the chair of the Federal Election Commission Ellen Weintraub.
But it may not be enough to remove him from office. Here's 10 statistics on the history of impeachment and Trump's alleged crimes today:
- 3 - Prior presidents who have faced impeachment inquiries: Andrew Johnson, Richard Nixon and Bill Clinton
- 2 - Presidents impeached by the House but then acquitted by the Senate (Nixon resigned before the House vote)
- 38% - Public support for removing Nixon from office at the start of his impeachment inquiry
- 57% - Public support for removing Nixon from office when he resigned 10 months later
- 34% - Public support for impeaching Clinton throughout the proceedings
- 49% - Public support for impeaching Trump, compared to 46% opposed
- 2 - The number of countries Trump has personally invited to investigate his political rival Joe Biden
- 22 - Foreign governments who have spent money at a Trump property during his presidency, income that arguably violates the Constitution
- $16,085,911.67 - Money spent by political campaigns and government agencies at Trump-owned properties from April 2015, when Trump hit the campaign trail, to May 2018, as revealed in a June 2018 ProPublica investigation
- 11 - Times Trump may have obstructed justice, according to the Mueller Report
In These Times has been selected to participate in NewsMatch—the largest grassroots fundraising campaign for nonprofit news organizations.
For a limited time, when you make a tax-deductible donation to support our reporting, it will be matched dollar-for-dollar by the NewsMatch fund, doubling your impact.
Izii Carter
Izii Carter is an editorial intern at In These Times.
if you like this, check out:
- Trump's Space Force Is No Joke
- What the U.S. Left Can Learn From the Labour Party's Epic Loss
- Youth Activist to Chilean Leaders: Don't Use the UN Climate Talks to Greenwash Your Repression of Us
- Yes, Trump's Impeachment Is a Partisan Pursuit—Just As It Should Be
- Trump Just Gave the Israel Lobby What It's Been Asking For. Here's Why That's So Dangerous.


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Barbara Strickland of Springfield recently was elected president of the Georgia School Counselors Association.
Strickland will serve as president-elect for 2011 and will serve as president in 2012.
The Georgia School Counselors Association is an organization that represents, promotes and enhances professional school counseling in Georgia.
GSCA is a private nonprofit association comprised of school counselors, counseling and guidance directors, supervisors, administrators and other individuals involved in related activities who have an impact on a student's success and well-being at school, work and home.
Founded in 1949, GSCA has grown to a membership of more than 1,200 members. Its members work in all educational settings from elementary through postsecondary education and are instrumental in setting professional standards for the school counseling profession in Georgia.
Strickland will be representing Georgia and GSCA at the National School Counselors Association Conference and Delegate Assembly in Seattle in July. She also will represent Georgia and GSCA at the ASCA National Leadership Development Institute in July and the ASCA APPI Conference on government relations in Washington, D.C.


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Always Get Numerous Auto Loan Quotes
If you are looking to take a loan for any vehicle purchase there are several alternatives. Most dealers will offer you a plan via their own lending team. When getting car loan quotes there is no cause not to get one in the dealership. But, I believe you will find that overall their own rates will be greater than those you are able to locate elsewhere. As well, they could be reluctant to give you a while period for payment whereas most online lenders will allow you to spend over as long as 5 years if that is your actual preference.
It has been demonstrated that people who take their particular times and get several auto loan quotes may possibly wind up shaving among three and several percent off the total cost of their loan. One of the reasons in which shopping around helps is always that many financial institutions and also lending companies can search around and find the most effective overall package they can. This includes not only the particular rates but the pay back options. A vehicle car dealership usually has only one lender they are dealing with and thus there are not the same choices to find the lowest prices. Even a fraction of a point difference can help you save hundreds over the course of the repayment plan.
Even whoever has poor credit have the option to getting a loan. They must furthermore shop around to get at minimum several auto loan quotes to give themselves the smartest choice that they can. If you have poor credit you must expect to pay more, but that does not signify there are not sources out there who will give you a loan that won't be devastating for your wallet. Many companies focus on people in just in which situation. If you are counting on buying that automobile you need, the one you usually wanted, of that small energy efficient vehicle you ought to get to work and again, scouting the banking institutions for the best deal to suit your needs will put you in the drivers seat.


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Happy Mardi Gras!!!
I didn't make any Mardi Gras digital freebies this year :(
Here in Texas it's just not big like in Louisiana where schools are out and the everything stops for the celebration. In fact my parents, sister, and friends are all in Eunice right now dressed like crazy people waiting for the day long traverse through the country side to start.
Here is a breakdown of the typical Courier de Mardi Gras:
Capuchon - A capuchon is a cone-shaped ceremonial hat worn during the Mardi Gras celebration in the Cajun areas of southwestern Louisiana, known as the Courir de Mardi Gras.
These hats are still worn, primarily by men. The name "capuchon" comes from the same root word, "cappa" in Latin, meaning a cape or hood, that gives us "cap", "cape", "cope", "chapeau" in French.
Screen Masks: The revelers usually wear some type of mask to conceal their identities because they can go about intoxicated or doing silly pranks and not have their identity known.
Costumes: The traditional outfit is a long sleeved top and long pants with lots of fringe and frills. I've seen costumes make entirely out of beer cans, moss, and even baby dolls.
What's becoming more common is people creating their outfits from things they find on the side of the road like this guy:
Le Capitaine: The "Capitaine" of Mardi Gras typically wears a purple cape and a cowboy hat to distinguish themselves from the rest of the group.
These men are the law during Mardi Gras. They are responsible for keeping the group of thousands of people in line and hope to prevent anyone from getting hurt.
Modes of Transportation: Rural Mardi Gras is run on horseback for the most part. Most of the men ride horses and most of the women ride in "floats". Our version of floats consist of fancied up flat bed trailers.
Music: One of the largest components of rural Mardi Gras is the music. Most floats have at least a few people on them with a fiddle and an accordion belting out favorite Cajun songs for people to dance to.


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The Cake Bake Shop's Gwendolyn's Famous Earl's Court Chocolate Cake
- Only at Williams Sonoma
- Exclusive
- Vendor Shipped
Easy, hassle-free returns online and in-store for eligible items.Learn More
Earn 2x Rewards4 That's 10% back in rewards when you use your Williams Sonoma Credit Card at Williams Sonoma 12/14 - 12/21.Apply Now Learn More
- Summary
If you're looking for the ultimate chocolate dessert, this is it. Featured on the Food Network, the three-layer Valrhona chocolate cake is filled with silky Belgian chocolate ganache and fluffy malted cream, then covered with an intensely rich, dark fudge frosting. For a fabulous finishing touch, the grand cake is topped with shimmering golden glitter and a sprinkling of sparkling fleur de sel from France's Île de Ré. This magnificent cake is handcrafted in Indiana by the artisans of Gwendolyn Rogers' award-winning Cake Bake Shop – and arrives beautifully packaged in the bakery's signature pink cake box.
- 9" diam.; 7" high (serves 15–20).
- Shipped frozen.
- Made in USA.
- Use & Care
Receiving Instructions
- The cake is shipped frozen with dry ice, which may have evaporated during shipment. This is normal. Please take care not to touch any remaining dry ice with bare hands. Upon receipt, remove the cake from the shipping box and store in the freezer for up to 3 months, or defrost in the refrigerator overnight and keep for up to 4 days. If cake will not be served within 24 hours of receipt, store in the freezer, then follow the serving directions below.
Serving Instructions
- The cake is best enjoyed at room temperature. Remove the plastic from the cake while it is still frozen. Defrost in the refrigerator overnight. Once thawed, remove from box and allow the cake to come to room temperature, approx. 2–4 hours before serving. Finish the cake by topping it with the fleur de sel. To serve, run a large knife under hot water and dry with a towel before every slice. Store leftover cake in an airtight container, where it will keep for up to 2 days.
- Ingredients
- Sugar, semisweet chocolate (sugar, chocolate, cocoa butter, milk fat, soy lecithin, vanillin, artificial flavor, milk), powdered sugar (sugar, cornstarch), enriched bleached flour (wheat flour, malted barley flour, niacin, iron, thiamine, riboflavin, folic acid), butter (cream, natural flavor), buttermilk, coffee, butter (cream, salt), heavy cream (heavy cream, skim milk, carrageenan), cocoa, vegetable oil, egg, malted drink mix, chocolate, powder, vanilla extract (water, alcohol, sugar, vanilla bean extractives), baking soda, salt, baking powder (cornstarch, sodium bicarbonate, sodium aluminum sulfate, monocalcium phosphate), coffee.
- Shipping
Shipping Information
Please allow 2-7 business days for processing and delivery. This gives our artisan partners time to prepare your order with exceptional care and attention to detail. A more accurate delivery date will be quoted on the payment page. Perishable food items are not eligible for rush shipping. Please not that we do not ship perishable food items outside the contiguous 48 states or to P.O. Boxes.
Shipping Rates
The shipping rate varies depending on your order total and shipping destination. View Shipping Options and Charges.
Next Day Delivery
For an additional charge of $26 per address, we can expedite delivery to most destinations. This service is not available for some oversize items, items shipped directly from the supplier (including perishable and custom-manufactured items), out-of-stock items and items to be shipped outside the contiguous 48 states.
Orders received by 9:00 p.m. ET Monday through Thursday will arrive the next business day; orders placed Friday through Sunday will arrive on the following Tuesday.
Return Policy
At Williams Sonoma, we take great pride in the quality and craftsmanship of our products. Attention to design, materials, safety and construction are our priority. Upon receipt, please inspect your purchase and notify us of any damage; we will arrange for a prompt replacement.
If within 30 days, you are dissatisfied for any reason, you may return your purchase for a refund of the merchandise value. An original receipt or gift receipt is required for all returns and exchanges. Returns with a gift receipt will be refunded in the form of a Merchandise Credit for the amount indicated on the gift receipt. Returns with original receipt will be refunded in the original form of payment, cash and check refunds over $100 will be issued as a company check (may take 14 business days from time of request).
For all cutlery returns (knife sets, single knives, cutting boards, knife sharpeners and knife storage), please contact us at 888.922.4108 to initiate the return.
We cannot accept returns on monogrammed, personalized, special-order items, custom upholstery, food, items shipped direct from the vendor or on items damaged through normal wear and tear. Final sale items ending in .97 or .99 cannot be returned.
Made to Order and Final Sale Furniture items are non-returnable and cannot be cancelled once the order is placed.
For returns of items purchased from your Williams Sonoma Gift Registry, we will gladly provide a refund or exchange for the merchandise within 90 days of your event or within 90 days of purchase, whichever date is later. View Full Returns Policy.
Rated 5 out of 5 by KCHowe from Best Cake Ever! I have purchased this cake twice. The first time was for a family gathering. The second time because it was so amazing the first time. A great find!Date published: 2019-11-16Rated 5 out of 5 by JCapCed from MOST DELICIOUS CHOCOLATE CAKE EVER!!! OUTRAGEOUS! Saw this on WS for a while, but never thought to purchase. Then saw it on The Food Network and decided to take a chance. We are THRILLED that we did! It arrived perfectly frozen (the east coast heat has been 105 and humid, so we were concerned), followed thaw directions and it was the hit of the party! We loved it yesterday....however, we were REALLY surprised that it's even better today! We'd definitely order again but we'd use it on the 2nd thaw day because it's substantially better....(and that's amazing because it was perfect yesterday). We never considered purchasing a frozen cake from across the country, but we will now always purchase The Cake Bake Shop's cakes from WS. It is by far the best chocolate cake all of us have ever had. It's a HUGE cake, so we decided to cut the majority of the remaining cake in slices and wrap in parchment/plastic wrap then freezer zip locks so that it doesn't get wasted. We have no doubt that as we thaw a slice over the next weeks/months that it'll be as amazing as it was yesterday and today. Order this cake, you won't regret it! It's our new favorite, Love it!Date published: 2019-07-28Rated 5 out of 5 by Hilltop93428 from Most Delicious Chocolate Cake EVER! I first tasted this cake when I was in Indiana this Spring. My niece brought a fleet of CakeBakeShop for me to sample....my favorite was Earl's Court. When my birthday rolled around I knew this was what I wanted for my cake. Traveled to California without a hitch.....beautifully packed and flawless when removed from the box.. Just as delicious and fresh as the one I had sampled in the Spring...I was soooooo happy! I've had cakes made locally that did not taste as moist and fresh. High quality Verona Chocolate and butter elevate the whole experience. I would not hesitate to order again and I encourage anyone considering a purchase to DO IT....you won't regret it....worth every penny. Thank you CakeBakeShop for offering the perfect celebratory cake......Date published: 2018-11-15


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- Description
Female athletes are on the rise, but we're facing a major supplementation issue. Researchers haven't been using women in studies, which means all the supplement dosing has been geared towards men. "Studies that investigate injuries and performance, the two most important topic for athletes, only 2-3% of the subjects are female." We've got the fix.
We've scoured the women-centric research to create a specific pack of nutrients research-proven to benefit women and their fitness needs. This is critically important for women's health and fitness goal achievement.
We've included all the researched core nutrients needed for women - Organic Iron, Choline, Stress-Relieving Herbs, Whole Food Vitamins and Minerals, Essential Fatty Acids, CoQ10, Vitamin K2, and Hormone-Balance Herbs - into easy to use packets that conveniently fit into your on-the-go lifestyle.
For more information, read our full-length blog post here.
- Additional Information
Additional Information
Color No Size No
- Reviews


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With an exclusive network of more than 400 movers around the world, Armstrong's quality service has no bounds. You can feel confident entrusting your belongings to a leading global provider affiliated with only the most certified partners within the industry.
- British Association of Removers
- Federation of International Moving Companies (FIDI)
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- Indirect Air Carrier
- International Air Transportation Association
- International Association of Movers
- International Facility Management Association
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- Latin America & Caribbean International Movers Association
- Overseas Shippers Association (OSA)
Founding member
- Society for Human Resource Management
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- Worldwide Employee Relocation Council


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Serves 2
– Pre-cooked Seafood (whatever you like, I use prawns, mussels and crab sticks)
– Stir fry veg (you can cheat and get a pre-made pack)
– Soy sauce (3 tbsp)
– Honey (2 tbsp)
– Ginger (as much as you like to taste)
– Chilli (half)
– Garlic clove
– Rice (any you like)
Put the rice on to cook / boil
Chop up all your veg, and chop the ginger, garlic and chilli very finely
Heat the pan with a little oil, add in the ginger, garlic and chilli and fry for a couple of minutes and add in the veg.
Keep stirring through until cooked
Add your seafood and the soy sauce and honey and stir.
Add in the rice and mix well together
Plate up and enjoy! It's as simple as that!
This week I have chosen The Life of Pi by Yann Martel, this book is a beautiful fantasy adventure. Piscine Molitor "Pi" Patel, a Tamil boy from Pondicherry, explores issues of spirituality and practicality from an early age. He survives 227 days after a shipwreck while stranded on a boat in the Pacific Ocean with a Bengal tiger named Richard Parker, a zebra and an orangutan. I read this book quite a few years ago now, I enjoyed the vivid description and the ideas and thoughts on religion and spirituality.
We hope you enjoyed this weeks recipe and recommended read. Please show us any photos of any Sunday Sizzlers you choose to cook up, we would love to see your results! As always thanks for reading. Katie & Dee x


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Barnwood and Lace by author Jane-Ann Heitmueller is available in Kindle format here at Christmas time for your pleasurable reading. Following is some of the book's Table of Contents with a smattering of links to existing articles around the Internet. Mrs Heitmueller has her own style of writing that brings you into her wonderful world of helping others allowing you to enjoy the pleasure of seeing others respond positively. There is also a bit of history of how an extended family of dreamers were some of the founders of a town built on the promise of brighter future.
Buy it on Amazon for $5.99.
Read a few of the stories and poems linked below and travel into another world.
Since this book has done so well, she is currently working on another sequel to the original with even more stories and poetry she found in her attic. Notification of its release will be found on this page soon.
Table of Contents
A Grand Old Lady
A Sight to Behold
At Grandma's
Aunt Eda
A Warmth of Heart
Before His Time
Be;paved Child
Bowling Balls and B.B. Guns
Brief History of the George Anderson Merrill and Emma Blanche Winn Merrill Family
Chicken and Dumplins
Daddy and The Ghost Car
Double the Trouble
Farm Life
Farewell, Friend
Firecracker Granny
Five Seconds
Friendship Memories
From Bear Bryant to the White House
Gee, Haw, Whoa, Stop
Good Neighbors
Grammy's Legacy
Grandma's Aprons
Grandma Spongy
Grosspapa and the Crow
Grosspapa's Horses
Heitmueller's Mulberry Farm
His Favorite
Huntin' Buddies
Lilac Time
Little Granny
Mama's Pet Problems
Merrily She Rolls Along
Miss Patootie
One More Time
Paw and Maw
Pop's Passion
Rockin' and Rollin'
She Left Her Mark
Stars, Stripes and Snakes
Stiefelmeyer's Camp
Sweet Rest
Sweet Retreat
Sweet Summer Memories
Temporary Permanent
The Attic
The Bag Boy
The Barn
The Bridge
The Gutter Cat
The Sawmill
This Little Piggy
Trudging Through Peanut Butter
Uncle Herman
What Might Have Been?
What's Your Bid?
Wrapped in Love
A Tribute
A What?
Christmas is a Comin'
Day is Done
Forty-Five Years ~ Where Did They Go?
God's Gift
Grandpa's Pocketknife
Hang in There
Happy New Year
Heirloom Treasure
It's Here!
Love's Memory Gift
Love's Voice
My Daddy
My Family Tree
Only Yesterday
Patchwork Legacy
Southern Summer Sunday
That Little Boy
The Circle
The Empty Chair
The Greeter
The Old Barn
The Old Cookbook
The Old Homestead
Welcome Home – second link
Why, Granny? – second link – third – fourth – fifth
Wir Danken Ihnen
Buy it on Amazon for $5.99 and read all of the stories and poetry!
Look for more in the next edition.


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Marriage Ministry
Have you ever wondered why marriage is under such an attack as it is today? Well, marriage on earth represents the holy union that Christ has with his Bride, the church, and quite frankly, Satan hates to be reminded of that union.
The Marriage Ministry at KLC is more than a lecture on how a Christian marriage should be. The married couples are enriched through hands-on fun activities based on the Word of God. It's like a great night out with the one you love! During the marriage seminars, we are sharing personal stories and learning how to keep the flames of eternal love burning in our marriages. Your marriage doesn't have to be in trouble to participate in these seminars. All marriages can improve, and at Kingdom Life, they just keep getting Better!


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The Mansoor Amarna Collection originally consisted of 106 pieces and approximately 150 fragments, half of which perished in the fire of Shepheard's Hotel during the 1952 riots by the Egyptian people against the British occupying forces. Of the fragments, only 5 pieces remain. As to the bulk of the collection, only 33 pieces remain in the possession of the Mansoor Amarna Collection Corporation, the others having been sold to private collectors both in Egypt, before and after WWII, and some in the United States, after the collection had been brought to the U.S. while a few others have been given as gifts to various museums and institutions, such as the Louvre Museum, the Vatican Egyptian Museum, San Francisco State University, and the "Cercle Scientifique Etienne Drioton" in Nancy, France.
As to the bulk of the collection, only 33 pieces remain, of which 28 pieces make up (or form) the assets of the Mansoor Amarna Collection Corporation, and 5 pieces being the private property of the Mansoor family.
The collection takes its name from the late Mr. M.A. Mansoor who was born in 1881 from a Coptic-Orthodox family. He had acquired it over a period of 20 years beginning in 1921. For safety measures, because of the frequent riots in Egypt, Mr. Mansoor sent the collection to the United States between 1947 and 1949, where it would be safe.
The collection has been physically examined and authenticated by more than 25 of the most nonpareil Egyptologists and distinguished Scientists from Museums and Universities, and its authenticity approved by the legendary Dr. Harold J. Plenderleith, formerly Director of the British Museum Laboratory for 35 years, then Founder and First Director Emeritus of ICCROM under UNESCO.
For Dr. Harold J. Plenderleith report, {click here}
For the list of Egyptologists, {click here}
For the list of Scientists, (click here}
Copies of scientific reports and artistic evaluations of the sculptures will be forwarded upon requests made on the letterhead of the Institution or Museum requesting them, or can be reviewed at the Metropolitan Museum of Art, Boston Museum of Art, Brooklyn Museum of Art, Vatican Egyptian Museum and Louvre Museum. (Some Museums may not want the public to have access to these reports; in this case we'll be glad to send you a copy upon request on the letterhead of your Institution, or you may download them from the Mansoor Amarna Collection website at http://www.mansooramarnacollection.com/ or send an email to firstname.lastname@example.com or email@example.com


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Biogen Confirms Commitment to Tackle Multiple Sclerosis Through Comprehensive Approach
- New data from more than 80 oral and poster presentations, including research on potential predictive and digital biomarkers
- Updates on real-world data generation initiatives, including MS PATHS, which leverages technology in routine care to produce real-time data, and the Big MS Data Network, intended to provide pooled registry data from more than 140,000 people living with
multiple sclerosis (MS)
- Data supporting the Phase 2 investigational molecule opicinumab (anti-LINGO-1) as a potential therapy to repair damage to the central nervous system caused by MS
CAMBRIDGE, Mass.--(BUSINESS WIRE)--Biogen (NASDAQ: BIIB) confirms its comprehensive approach to tackle multiple sclerosis (MS) at the seventh Joint Meeting of the European Committee for Treatment and Research in MS and Americas Committee for Treatment and Research in MS (ECTRIMS-ACTRIMS; 25 – 28 October).
"With more than 25 years of scientific leadership in MS, Biogen's commitment is unwavering," said Michael Ehlers, executive vice president, Research & Development at Biogen. "Our expertise puts Biogen in a unique position with a comprehensive approach including active research and clinical development on how to repair the damage to the central nervous system from relapsing forms of MS, a portfolio of new drug candidates that we are advancing to the clinic, our collaboration to identify a digital biomarker, our focus to advance understanding of the disease through global data collection with MS PATHS, active pursuit of the genetic origins of progressive forms of MS, and our innovation in value-based contract pilots in the U.S."
Key updates at ECTRIMS-ACTRIMS from Biogen include:
- The latest from the collaboration with Verily and Brigham and Women's Hospital whose goal is to explore the use of digital biosensors to assess patients outside of the clinic. Additional data on the possible utility of predictive biomarkers to inform MS diagnosis and ongoing disease monitoring, with the goal of assisting clinicians with their decisions on how to treat based on the heterogeneic differences of those living with MS, will also be presented.
- Interim reports from MS PATHS (Partners Advancing Technology and Health Solutions), a collaboration with 10 leading MS centers in Europe and the U.S. to leverage technology deployed in routine care to generate standardized, high-quality data from a diverse, real-world patient population. MS PATHS collects clinical, MRI and biologic data from all patients in real-time, at the point of care, to better understand the disease and ultimately improve the lives of those living with MS.
- An assessment of the Big Multiple Sclerosis Data (BMSD) Network, comprised of five MS registries and facilitated by Biogen. The network will merge data from large MS registries that have collected longitudinal data on nearly 140,000 people with MS. The scale of this pooled MS data may enable greater understanding of MS and its impact.
- A comprehensive review of the Phase 2 SYNERGY trial that identified a specific patient population for the investigational molecule opicinumab (anti-LINGO-1) as a potential therapy to repair damage to the central nervous system caused by MS.
- An innovative economic model using real-world data from the MSBase Registry with a goal to demonstrate cost-effectiveness of treatment in highly-active MS patients. The analysis supports value-based reimbursement initiatives linked to patient outcomes. In July, Biogen announced four pilots for value-based contracts with health plans across the U.S. The contracts utilize real-world data to align price with patient outcomes.
"With 10 centers now active and strong patient enrollment, our MS PATHS collaboration provides a glimpse into the future of MS care and research," said Alfred Sandrock, M.D., Ph.D., executive vice president and chief medical officer at Biogen. "By leveraging technology we are able to collect a robust set of real-world data that is unprecedented in scale and will contribute to a more precise approach to managing patients by supporting providers in real-time to meet the diverse needs of people living with MS."
Highlights of Biogen's more than 80 platform and poster presentations:
- Predictors of an Opicinumab Treatment Effect and Identification of an Efficacy Subpopulation: A Post Hoc Analysis of the SYNERGY Study – Poster P718 – Thursday, 26 October, 15:30-17:00 CET
- Overall Response Score: A Novel Disability Endpoint That Allows for the Integrated Assessment of Improvement and Worsening Over Time in Patients with MS – Poster P777 – Thursday, 26 October, 15:30-17:00 CET
MS Franchise
- Temporal Variability Profile of Serum Neurofilament Light Levels in Multiple Sclerosis Patients – Platform 102 – Thursday, 26 October, 11:37–11:49 CET
- Biosensor Measures in Clinic and Free-living Settings Correlate with Multiple Sclerosis Disease Severity – Platform 191 – Friday, 27 October, 09:15-09:27 CET
- Big Multiple Sclerosis Data Network: Data Sharing Among Five Large MS Registries – Poster P738 – Thursday, 26 October, 15:30-17:00 CET
- The Multiple Sclerosis Partners Advancing Technology and Health Solutions (MS PATHS) Patient Cohort – Poster P336 – Thursday, 26 October, 15:30-17:00 CET
- Comparison of Case-mix in Multiple Sclerosis Patients Participating in Randomized Control Trials, Prospective Observational Studies, and Multiple Sclerosis Partners Advancing Technology and Health Solutions (MS PATHS) – Poster P351 – Thursday, 26 October, 15:30-17:00 CET
- A Cost-effectiveness Analysis Using Real-world Data from the MSBase Registry: Comparing Natalizumab to Fingolimod in Patients with Inadequate Response to Disease Modifying Therapies in Relapsing-remitting Multiple Sclerosis in Scotland – Poster P700 – Thursday, 26 October, 15:30-17:00 CET
About Biogen
At Biogen, our mission is clear: we are pioneers in neuroscience. Biogen discovers, develops and delivers worldwide innovative therapies for people living with serious neurological and neurodegenerative diseases. Founded in 1978 as one of the world's first global biotechnology companies by Charles Weissman and Nobel Prize winners Walter Gilbert and Phillip Sharp , today Biogen has the leading portfolio of medicines to treat multiple sclerosis; has introduced the first and only approved treatment for spinal muscular atrophy; and is focused on advancing neuroscience research programs in Alzheimer's disease and dementia, neuroimmunology, movement disorders, neuromuscular disorders, pain, ophthalmology, neuropsychiatry, and acute neurology. Biogen also manufactures and commercializes biosimilars of advanced biologics. We routinely post information that may be important to investors on our website at www.biogen.com. To learn more, please visit www.biogen.com and follow us on social media – Twitter, LinkedIn, Facebook, YouTube.
Biogen Safe Harbor
This press release contains forward-looking statements, including statements relating to the potential impact of our programs, development and potential benefits, safety and efficacy of investigational drugs, including opicinumab, results of certain clinical studies and real-world data. These statements may be identified by words such as "aim," "believe," "except," "may," "plan," "potential," "will" and similar expressions, and are based on our current beliefs and expectations. You should not place undue reliance on these statements or the scientific data presented. Drug development and commercialization involve a high degree of risk, and only a small number of research and development programs result in commercialization of a product. Results in early stage clinical trials may not be indicative of full results or results from later stage or larger scale clinical trials and do not ensure regulatory approval. Factors which could cause actual results to differ materially from our current expectations include the risk that we may not fully enroll our clinical trials or enrollment will take longer than expected, unexpected concerns may arise from additional data or analysis, including data, analysis or results obtained during our clinical trials, regulatory authorities may require additional information or further studies, or may fail to approve or may delay approval of our drug candidates, or we may encounter other unexpected hurdles which may be impacted by, among other things, the occurrence of adverse safety events, failure to obtain regulatory approvals in certain jurisdictions, failure to protect intellectual property and other proprietary rights, product liability claims, third party collaboration risks. The foregoing sets forth many, but not all, of the factors that could cause actual results to differ from our expectations in any forward-looking statement. Investors should consider this cautionary statement, as well as the risk factors identified in Biogen's most recent annual or quarterly report and in other reports Biogen has filed with the U.S. Securities and Exchange Commission. These statements are based on our current beliefs and expectations and speak only as of the date of this press release. We do not undertake any obligation to publicly update any forward-looking statements, whether as a result of new information, future developments or otherwise.


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With the rush of the biggest city in the world right next to the New Jersey border, it sometimes goes without a second thought to take a look into the Garden State's skateboarding scene. That's exactly why I made a trip out to the placid corner of Northwestern Jersey to check out the headquarters of Original Skateboards.
Upon arrival, I was relieved to even find my way to the doors of an otherwise unassuming warehouse. Inside, a foyer plastered in skate stickers and action shots almost lead me to believe I was about to enter a full skate shop, rather than a production HQ. Instead, President, Joel Penkala welcomed me into a command central bustling with the operations of one of the East Coast's top longboarding brands.
We took a tour to find Mark Imbrie, father to founders Scott and Brad Imbrie working in a much more evolved space than his garage, where the company started. In another room, a pair of graphic designers were reviewing the finishing touches on some ads to be run and a revamped website to be launched. Finally, in a warehouse that would make any longboarder swoon at the sight of stacks of decks and bins of wheels, a team of assemblers were working together to fill an order from one of the the company's largest retailers.
From wall to board-covered wall, the Original Skateboards headquarters echoes Penkala's description of the company's mantra: "Be original and be yourself." Also noting that the allure of riding so innately universal, the folks at Original seek to bust down the categories and labels that tend to shade the skateboarding world with gray areas. From traveling the world with friends in search of beautiful destinations and smooth concrete to stoking locals by bringing the best of the best professionals to local events, OS seeks to spread this passion with board riders on any terrain at any age.
With this, Penkala explained to me how from the early stages in the child's life, the search for adrenaline embedded in human nature draws them towards wheeled objects. In a world where the range of options across the bike, scooter and skateboard markets are ever expanding, the President hopes that children stick with the latter of the three and sees Original as a gateway to an inclusive skating community. After all, Penkala delights in the fact to say that his proudest contribution to the skateboarding scene is to hear someone say that OS was the reason they got into skateboarding. "Longboarding is what brings us together" he added with a smile.
With one of Original's new Arbiter KT's under my arm, I left the headquarters and headed back into the quiet North Jersey suburbs. This time, however, I felt a particularly burning desire to get out and ride knowing that a local East Coast heavyweight was right in NJ's backyard; cranking out boards and showing riders everywhere what it's like to get out and experience the world with an Original Skateboard under their feet.


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CFO Moves: Air Methods, DeVry Education
Air Methods Corp., a Denver air medical transportation company, named Peter Csapo finance chief, effective June 6. He succeeds Trent Carman, who will step down from his role after 13 years but remain with the company in a consulting role. Mr. Csapo most recently was CFO of Accretive Health Inc., which provides services to health-care companies. Mr. Csapo will receive a salary of $465,000, and he will be eligible for annual cash and equity awards, the company said.
DeVry Education Group Inc., a Downers Grove, Ill., education company, named Patrick Unzicker CFO and treasurer. He succeeds Timothy Wiggins, who resigned as CFO but will remain with the company through the end of June to help with the transition. Mr. Unzicker joined DeVry as controller in 2006, was named accounting chief in 2012 and became treasurer in March 2015. He will receive a salary of $410,000 and be eligible for annual cash and equity awards, the company said.


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Beauty standards might be ridiculous, but in general, things have started to shift. Nowadays, the rise of accessibility and the celebration of differences seem to be creating a more diverse beauty field (and social media feed).
It's a great time to be alive, and an even better time to introduce ladies everywhere to the world of beauty. But what about all those ridiculous standards they're still working through? Believe it or not, they seem to have morphed into something entirely new.
Skincare companies and beauty brands have begun crafting ridiculous beauty products, and shoppers are super confused by most of them. They might understand where brands are coming from in some cases, but some of these ideas just totally miss the mark.
Average beauty-loving babes are not necessarily interested in the extremes that the beauty companies have decided to create. But they are interested in the extreme products that they're pushing.
Everything from questionable creams to super stretchy wrinkle-guards grace this list in an effort to sum up the most ridiculous, confusing, and hilarious beauty products that are on the market today.
They might not get most average folks totally photo ready, but they're certainly good for a laugh... or a snack, in some cases.
We're big, big fans of cream cheese. We're the kind of people that ask for three extra cream cheese packets at Starbucks. We only eat celery as a way to ingest canoes of cream cheese. But smearing it on our face? MTV reported on this "Dream Cream," and we had two initial thoughts about it. First, how edible is it?
And second, who on earth had the idea that cream cheese would be the next big skincare game changer?
To be fair, there is some science behind it. MTV writes that the formula is a "blend of cream cheese and proteins for firmness, elasticity, tight pores and smooth skin." Still no word on whether we can top our bagel with it after.
How many of us are tired of paying five to ten dollars to get our eyebrows threaded once every two or three weeks? Believe it or not, there are enough people out there who are so done with the continuous cost that they've decided to create a home threading system. Youtuber MyPaleSkin tested this product out, and the results were honestly a little worrying. This is an intense machine! Resulting in a flinch and a loud expletive when she tested it on her arm hair, folks that are used to the pain of threading might be able to deal with it a little more delicately.
Honestly though: we'd rather spend the five bucks for a professional's hand rather than risk taking off half an eyebrow.
Snail goo: the best-kept hack in the beauty world? We're not so sure we believe the hype, but the reviews seem to be good. Bustle quotes one particularly glowing review as saying, "I have sensitive skin along with acne-prone, combo, hyper-pigmentation, and this cream has significantly helped all of these problems."
We're sure that it's got some great enzymes inside of it, but we don't think we'd ever be able to use it.
The image of placing snails onto our face is just too strong. We know that the cream has already extracted the goo from the snails, yes. But those slimy images are something we just can't shake.
Fans of Safiya Nygaard's youtube channel will remember fondly that time that she tried this DIY mask machine. The internet is full of recipes for face masks, but none of them are quite as intense (or as solid) as this little robot makes. Looking almost like a Google Home, Nygaard begins the process by pouring in a bunch of stuff: yogurt, extracts, juice, and the required amount of collagen. Some mechanical noises happen and before we can say "I, robot" this machine has printed us a custom face mask.
Honestly? We'll stick with our Sephora sheet masks. DIY is fun, but it looks more like melted gummy bears than a rejuvenating mask.
MyPaleSkin did another video, and this time she reviewed a product that's been popping up on many of our social media feeds. Blackheads and pore clogging is a constant battle. Oil, grease, and general pollution make for some icky and sticky face pores.
Why bother using charcoal washes and pore strips when we can just suck all the gunk out?
MTV pointed out that this vacuum is the latest in a long line of skincare contraptions, but not necessarily one that will stick around. MyPaleSkin's review was also a little hesitant. While some love this little vacuum, we can't help but raise an eyebrow.
After vacuuming the face, it's only natural to iron the face. That To Do list full of chores never really ends, does it? Though, in this case, there's definitely a finite amount of wrinkles that we can iron, making it a shorter addition to the chore wheel. MTV revealed that this invention was created by OMNI and "it uses heat to apparently banish your crow's feet, fine wrinkles and eye bags." The logic is, in a way, sound.
After all, clothing irons do a great job of making our shirts look good. Maybe this invention isn't so ridiculous after all!
There's so much progress being made in the scientific sphere of wrinkle-reduction. We're not super sure where this face strap fits into that progress, but it still exists!
This is a wrinkle-reducing option that doesn't require putting a heated tool next to our eyes or dropping snails onto our face.
Guff revealed that the Kogao Face Belt is meant specifically for reducing the sagginess of our chins. This trainer is meant to tighten up any loose skin that might be forming. Our biggest complaint is the fact we can't take cute selfies in this thing. A face mask is great for selfie-ing. But this? Even its pink hue can't save our selfies.
Finally, a solution to one of life's greatest trials. We've all been there. We're having a Self Care Sunday with face masks and bubble baths. We notice our hands are a little dry, so we slather them in moisturizing cream. While waiting for it to sink in we decide to pick up our phone, only to have it slip through our moist fingers and fall into the bathtub. If only there was a way to keep texting while getting the moisture our hands so desperately crave. Bustle reveals that, in fact, there is a way to save our phones from bubbly destruction.
These moisturizing gloves are pre-filled with gooey cream, allowing us to just slip on and go. Now we can moisturize without getting goo on everything. Thank goodness.
It's not often that we say this, but we seriously just can't even with this product. The adorable tomato design is a great metaphor for what our lips will look like after, minus the sprig of green on top. We're not sure exactly how this product works.
Narcity listed it as a lip plumper, so we assume it's reminiscent of the Kylie Jenner cup trick that plagued young folks everywhere a few years ago.
Hopefully the suction isn't as strong and offers a more subtle natural plumpness to our top and bottom lips. We do appreciate the fact that there are some potentially cute selfies that could come from this tomato design too!
For anyone who hasn't heard of dry brushing, it's basically exactly what we all think when we hear the title. The process consists of taking a stiff, dry brush and doing short, circular strokes up our body. Allure explains, "the firm bristles of the brush give your skin a thorough exfoliation while the pressure helps to stimulate your circulation and, yep, lymphatic drainage."
While Allure's beauty guru liked it well enough, we're not certain that we need a full kit of various brushes in order to reap the benefits of this popular trend. It's essentially just a firm exfoliation, and one brush should be more than enough.
Youtuber StyleByBare's face says it all, doesn't it? The vibrating beauty blender is based on some decent logic. Namely, if the goal is to spread around our foundation more efficiently.
MTV reports that one of the specific brands created a version of this contraption says that it, "works by pulsing 15,000 times per minute against [our] skin to mimic a super bouncy blending technique that's supposed to give [us] an airbrushed look."
If it works, sign us up. Doing our makeup in the morning is a trial unto itself, and any tasks that we can outsource to wee vibrating robots sounds like a great plan.
Refinery29 revealed this mathematically-sound contraption, built for all of us who struggle with getting our cat eyeliner wings even. Offering a guideline for several different liner styles, this stencil seems to work in a similar way to an art stencil. We place it in line with our lashes, and then we paint in the eyeshadow, liquid liner, or pencil liner. We don't know if this could actually help those that might have an unsteady hand, or if it just makes for an awkward one-size-fits-all attempt at winged liner.
The best part? We could keep it in our geometry kit at school and it likely wouldn't look out of place.
If it's good enough for Ariana Grande, it's definitely good enough for us. We're waiting for the day when we get to try this product, so we can see just how easy it is.
Glamour discusses the MAC Cosmetics roller liner, though there have been a few other brands that have since copied the applicator method.
Hello Magazine reveals that this eyeliner is actually a soft roller, perfect for soaking up and applying the product. Hey, we know as much as the next person that the perfect wings can be difficult to achieve, so we won't write off the power of the pizza yet.
Guff revealed another wild product that we couldn't help but include on this list. The Dermaroller is one that's been around for a while but fades in and out of popularity. Elle provides us with an expert's opinion regarding the actual usage of the product and what it's meant to do.
Elle's expert explains, "a dermaroller is an instrument that creates micro pathways in the skin for product to better penetrate…[it] creates tiny pricks around the skin and gives enough space in between so the wound healing response takes over. You grow new skin." It's only ridiculous because it sounds almost too good to be true.
Lash curlers have long been the bane of our existence. Many pinched eyelids have resulted from a traditional eyelash curler, which is part of the reason we're kind of excited about this mascara.
The Spin Lash Mascara, as featured on Refinery29's list of weird beauty products, features mechanization that makes the mascara wand spin as it applies the product.
We're surprised about the practicality of this product, as it's always an uphill battle trying to get perfectly curled lashes. Unfortunately, one slip of our easily distracted hand means we're getting a twirling brush into the eye. This might be a product to skip for the clumsy folks amongst us.
Narcity was the one who first pointed us in the direction of the brow stamp, but MannyMUA has what we consider the best YouTube video explaining how it works. For those that don't know, this beauty product is exactly what it sounds like. The package comes with a stamp and a brow product "ink pad" which then sticks on to the stamp. MannyMUA demonstrates on his brows, which are naturally quite dark and full. The Brow Stamp is a good idea, but it does require some touching up.
It's also way too tempting to stamp them all over our face, which doesn't exactly make for a selfie-ready makeup look.
This is actually a product we found from doing some research about an online beauty hack. Everyone's seen those 1-minute videos pop up in their feeds that have fun, unique beauty tips and tricks, right?
One of the ones we watched recently had a segment that featured a homebrew armpit brightening cream.
Lo and behold, a real product for this actually exists. We're not exactly sure when or why someone might want to freshen up their 'pits, but hey, we won't judge. Considering the fact that this product is still on the market, there definitely seems to be some need for it.
Those of us with long hair will recognize the struggle of getting it cut. Hairdressers often either want us to chop it all off, or they barely trim the ends and still charge us full price. It's a frustrating way to live, which is why we're convinced that the creator of this product must have long hair. Refinery29 explains that this machine is supposed to reseal our split ends. So... Does that mean they can split open again? Did we seriously just spend almost three hundred dollars on this thing, which is essentially a machine version of restorative hair oil?
It's not our cup of tea, but some folks might find this a hair game changer. The jury is still out.
Then again, we might not even have needed to get the Split Ender Pro if we'd invested in the Flowbee! The longstanding darling of the As Seen On TV world, the Flowbee is something that we've probably all heard of by now. PopSugar reminded us of this machine, which utilizes the most specific of the haircutting methods: suction. Sarcasm aside, it's actually a really neat idea.
Combining a vacuum and an electric razor gives us this method of trimming our ends.
Plug it in, turn it on, and get ready to have the most fun haircut ever. And the best part? We can do it again and again. We might never need a professional haircut again (unless, of course, we need someone to fix one of those 'oops-I-got-distracted' Flowbee cuts).
It's not just us humans who want to feel special. Our pets might be the apple of our eye, but sometimes we can overlook their beauty regimens. Dogs should get to feel pretty too; now they can, thanks to Juicy Couture's Doggy Pawfum. This delightful scent was made with our perfect pups in mind and provides a beautiful cover for all the kibble breath and I-just-rolled-in-mud moments. It might be nice to freshen up those coats in between bathtimes, but we still think it's a little ridiculous. After all, we don't even buy ourselves Juicy Couture perfume.
Maybe Rover would be willing to share so we can feel beautiful too?
Sources: Refinery29, Glamour, Popsugar, Bustle, Elle


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The last post seemed kinda crazy to me, so I thought I would save the post about Miss Rosie for a post all it's own. It's always fun to meet someone "famous". Carrie was at Winterfest as the visiting national teacher. You can visit her web site here. I really enjoyed her trunk show and chatting with her on the last day. Happy for me, some of my wool went home with her in her suitcase. I wish her success and also some quiet time amidst her crazy busy schedule. She is a lovely person.
Miss Rosie from the famed Schnibbles patterns shared some pretty sweet quilts with us and and great stories, too! I was most impressed with her generosity after the show. She told everyone they could come and examine the quilts on the table and ooh and awe over the beautiful machine quilting her quilters had done on the quilts. She adds some great little thoughts as labels on the back of some of her quilts. Loved that! Loved being inspired.
Carrie is in the black vest - I thought this candid shot was perfect! She loves to chat with the girls.


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Citing APA Sources, Tips to Prepare for a Certification Exam
This content was COPIED from BrainMass.com - View the original, and get the already-completed solution here!
Original Student Question:
Imagine you are planning to sit for a certification exam that offers career-advancement opportunities. How would you prepare for that exam? Include factors such as time management, review process, family support, test day activities, etc.
Include at least one source in APA style to support your response. Your response should be at least 200 words in length. All sources used, including the textbook, must be referenced; paraphrased and quoted material must have accompanying citations.© BrainMass Inc. brainmass.com October 10, 2019, 6:25 am ad1c9bdddf
Solution Preview
The written portion of this assignment is quite brief at 200 words, about 1-2 paragraphs in length, so it sounds like the main purpose of the assignment is to demonstrate your knowledge of how to cite sources in APA style. All sources cited in APA style within the body of a paper/assignment are always listed inside parentheses with the author last name first, followed by the year of publication. The citation should appear at the end of the sentence, before the period.
For example:
Proper preparation for career certification exams requires hard ...
Solution Summary
This solution is based on a student submitted question regarding tips on preparing for a certification exam that offers career-advancement opportunities for those who perform well on the exam. Some specific tips are provided, as well as information on how to cite sources accourding to APA style.


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|P is for Practical
Re: Converting a C structure to Perlby Fastolfe (Vicar)
|on Jan 05, 2001 at 12:10 UTC ( #50023=note: print w/replies, xml )
|Need Help??
Remember to close your <code> tags and your question won't be so difficult for us to read. :)
If you're looking to find the Perl equivalent of that data structure, another poster already nailed it for you: use a hash. If you're looking to pull in binary data created from that C structure into your Perl program, you probably want unpack. Something like this might do what you're looking for:
The format string (described in pack) basically means: 2 bytes of data, two integers, 10 bytes of raw data followed by 9999 bytes of raw data. Other things you might be able to take advantage of: Z for null-terminated strings, c for individual characters/bytes and n/N for "network" short/longs.
If you need to generate binary data with information you have, simply change unpack to pack and reverse your arguments around. Pass $id/$secs/etc and get back a binary representation. The format string remains the same.
When you say you want a 10,000 byte array, what are you talking about? Are you talking about a C array? I don't know how you expect to judge how many bytes a Perl array will consume. If you want 10,000 elements, that's already been given to you. 10,000 bytes in a string could be done by: "\0" x 10_000 Perhaps you could elaborate and/or use some more appropriate terminology so we can figure out what you mean? Heh.
Hope this helps.
In Section Seekers of Perl Wisdom


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The availability of telecommunications services are critical to the functioning of society, and even more so during the preparations for and recovery from natural disasters. Importantly, Telecommunications companies need to be key enablers of a society resilient to climate change, and to do so they must be foremost resilient themselves. This is to protect their business (assets, staff and brand), to ensure the risks are financially transparent to shareholders, and to meet the expectations of society.
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Arthur Price 'Vintage' stainless steel cake server
Special Price £23.50 Regular Price £29.50
Cake server from the 'Vintage' range by Arthur Price. Vintage gifts reflect a step back in time but are presented with a modern day twist. We have recreated 8 highly desirable and collectable gifts available in eye catching retro style packaging. Each item is modelled on our Old English design and perfectly accessorised by the artfully curved pistol grip handles. Produced from the highest grade 18/10 stainless steel and comes with a 50 year guarantee. Dishwasher safe.
|Item Ref
|Arthur Price
|Kitchen Pattern
|Kitchen Material
|Stainless steel
|Kitchen Cutlery Type
|Kitchen Guarantee
|Guaranteed against manufacturing defects
|Dishwasher Safe
|Dishwasher safe


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Maria Sharapova at Pre-Wimbledon Party 2012
The Ladies of Tennis Prove Their Off-Court Style — Who's Most Fab?
With Wimbledon kicking off next Monday, tennis's power set stepped out last night for a little off-court fun at a pre-Wimbledon party in London. The fete brought out the likes of world champion Maria Sharapova and the Grand Slam masters Venus and Serena Williams. And while we're used to seeing these ladies in sportier attire, they certainly pulled out all the stops on their cocktail party ensembles. Venus chose a summery Amanda Wakeley LWD that draped in all the right places, Danish stunner Caroline Wozniacki showed off her form in a cool Stella McCartney LBD, Maria opted for a supergirlie high-low profile in embellished Antonio Berardi and ruby-red Roger Vivier heels, Serena went for short and sweet in a purple taffeta Burberry number, and Serbian beauty Ana Ivanovic looked ultrafeminine in a feather-accented Matthew Williamson dress. No matter how fierce these women can get on the court, they're just as skilled in the after-hours style department. Now it's match point — you decide who deserves the Most Fab title below.