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The secret behind the success of mortgage incentive strategies points less toward traditional loss-mitigation and recovery methodologies and more toward an approach that carefully combines consumer behavior and incentive theory.
Rumson, NJ (PRWEB) September 12, 2011
The strategic default crisis may worsen due to a lack of connectivity with homeowners, according to Loan Value Group. In the September 2011 issue of Mortgage Banking Magazine, in an article entitled Getting Borrowers' Attention (http://www.loanvaluegroup.com/pdfs/sept2011_mortgagebankingmagazine.pdf), LVG's Frank Pallotta and Tyrone Canaday, provide their views on the importance of connecting with homeowners and the use of incentive-based solutions to address the increasing number of mortgage defaults.
Because there is little focus on loss mitigation for current-pay loans – as the servicer sees no need to contact these homeowners – the associated contact data gets stale and the direct connection to the homeowner becomes lost. "Everyone knows homeowners are becoming frustrated, but increasingly the mortgage industry has no reliable way of knowing when frustration turns into default until mortgage payments stop coming…and then it's too late," said Pallotta.
Incentive-based programs are beginning to gain momentum as an inexpensive and effective way to proactively address strategic default. LVG's Responsible Homeowner Reward® (RH Reward®) program, launched in January 2010, is an example of how connecting with homeowners and offering incentives can reduce the risk of default. To date, LVG has lowered overall delinquency rates by as much as 50% on 1st and 2nd lien mortgages. Additionally, the Program has shortened resolution timelines by as much as 75%.
In the article, Canaday states that the secret behind the success of mortgage incentive strategies points less toward traditional loss-mitigation and recovery methodologies and more toward an approach that carefully combines consumer behavior and incentive theory. He added, "A traditional carrot-and-stick strategy will not suffice in the current housing situation. Banks and servicers need to be open to new ideas and not just the status quo."
The benefits that come from having a reliable connection with homeowners are now becoming clear. Not only are risk owners able to more quickly address delinquencies, they also have the ability to obtain real-time information directly from the homeowner. "Financial institutions are beginning to scratch the surface in realizing the power of homeowner connectivity and how useful this information can be in shaping the future of mortgage banking," said Pallotta.
For more information on how the Responsible Homeowner Reward program works, please visit http://www.RHReward.com.
About Loan Value Group LLC
Founded in 2008, Loan Value Group LLC (@LoanValueGroup) is a mortgage solutions provider of a large-scale, low-cost, turn-key platform that positively influences consumer behavior on behalf of residential mortgage owners and servicers. Based in Rumson, NJ, LVG provides owners of risk with a solution that directly addresses strategic default through the use of incentives. LVG is the exclusive provider of the Responsible Homeowner Reward® (RH Reward®) program, named one of the "50 Best Inventions of 2010" by Time Magazine. Institutions can learn more by contacting Frank Pallotta or visiting http://www.loanvaluegroup.com/. Consumers can learn more by visiting http://www.rhreward.com/.
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Round Circle Business Card With Cartoon Illustration
A custom die-cut makes a fun, playful business card for a pediatric dental office. The card's circular shape helps to make it more memorable and welcoming than a standard, sharp-cornered design. Its blue background relies on the cool color's soothing properties to help calm nervous patients, and white accents remind recipients of pearly white teeth. A cute cartoon illustration on one side of the card contributes to the kid-friendly feel. The business card's PMS printing shows just how creative and entertaining a design can be when it uses these pre-mixed inks.
Design by Company Folders
For Jackson Pediatric Dentistry
Inspired by this design?
CardObserver features the work of the most creative, talented designers from around the world. We can connect you with a great designer to help bring your ideas to life.

subset: commoncrawl


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Putting the Customer at our heart or Customer Centricity
We hear these terms a lot these days but what do they actually mean and why exactly is it so important?I've sought here to explain and provide some definitions that may help along with a couple of examples.
Deeply understanding your customer and truly putting them as a focus of what you do starts with fully immersing yourself into their world and experience as it relates to your product or service.
There are a couple of key terms that relate to this:
1. Customer immersion is a process whereby people in organisations can experience their business from a customer point of view.
2. Customer experiences: The activity you undertake to immerse yourself. These can take many forms and varies depending on the company and this is referred to as 'Customer experience'.
A customer experience is an interaction between an organization and a customer as perceived through a customer's conscious and subconscious mind.
· A customer experience is not just about a rational experience (e.g. how quickly a phone is answered, what hours you're open, delivery time scales, etc.).
· Did you know more than 50 per cent of a customer experience is subconscious, or how a customer feels.
· A customer experience is not just about the 'what,' but also about the 'how.'
· A customer experience is about how a customer consciously and subconsciously sees his or her entire experience.
To do this effectively you need to 'walk a mile in the customers shoes', experience your product or service from their perspective rather than your own perceived perspective. Making it as real as possible is key.
Why immerse yourself?
The better your organization understands the complexity of the relationship you have with your customers the better equipped you are with the knowledge to help drive for growth. When this knowledge is addressed effectively - You 'do something' as a result of the knowledge, customer experience improves, and customer loyalty increases.
The more you act on the knowledge you learn from these customer immersion activities the more you are actively demonstrating a customer centric approach. Many companies talk about being customer centric and maybe have really good intentions but few in my experience actually act as a result of those good intentions. It leaves the customer feeling like it's all spin.
Cisco IBSG Consulting Tip: Walk in Your Customer's Shoes
Customer immersion stories
Some company's senior managers are encouraged to spend time on a regular basis to live the customer experience see this video of how it was done in Adobe who have created the customer listening post.
In one supermarket here in Ireland store managers are not provided with an office but are expected to spend the majority of their time circulating the store, talking to customers and experiencing what the customer experiences. This particular supermarket is simply excellent as store design, customer service and create a great experience for both staff and shoppers alike. You can really feel they get what the customer needs and wants both rationally and emotionally.
In some stores Managers actually hold meetings with staff whilst walking around the store, and at Credit Suisse, executives have in the past been asked to spend a day in a wheelchair so as to better understand the experience of disabled customers. Both of these approaches attempt to remove the stigma - often attached to senior managers - that they are 'out of touch with consumers'.So finally if it's your responsibility to 'Drive customer centricity@ start by watching this video and read the book that's mentioned!


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Should I choose health and social care as my career?
The health and social care sector offers many diverse careers and job roles. This industry is crucial in ensuring that the public is cared for at every stage of their life, whether they be disabled, mentally ill, or elderly.
For some people, this type of job fulfils their sense of vocation - they have a strong desire to help and serve other people, and the health and social care sector may be their way of giving back to the community.
The health and social care sector is varied, although there are several core skills you'd be expected to demonstrate, such as innate care and patience, especially since your job will likely involve working with people who may find communication difficult.
Observance is also crucial in monitoring and spotting changes in a person's condition, as is logic in handling difficult situations.
How can I get into health and social care?
There are a number of pathways into a career in health and social care. Many people interested in this sector first complete a health and social care A-Level, before heading to university and specialising in a health and social care related degree.
If you have an A-Level in health and social care, you could be looking at degree courses like Occupational Health, Social Work, Midwifery, Adult Nursing and Care, and Paediatric Nursing.
These degrees will likely lead you to a specialised job that you'll have trained for during your time at university.
If you'd rather take an apprenticeship in health and social care, you'll be earning as you learn, as well as gaining valuable experience in your chosen field. Find out more about apprenticeships here.
Why use Enrol?
By using Enrol, you benefit from a simple, easily comparable list of health and social care courses, tailored to you. We consolidate every health and social care course and qualification offered in the UK, so you can be as informed as possible when choosing your course.


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Destination wedding hair and make up is very different then any other hair and make up. It is not the same as fashion make up or normal event make up. I highly recommend using someone that specializes in hair and make-up for Wedding's
"You can´t imagine what a great make-up artist and hairstylist can provide on your the wedding day…" Alec & T. Photography
The entire point of a destination wedding is luxury to the point of perfection, so aside from picking the best wedding venue possible—which, incidentally, Mexico is particularly popular for, as evidenced by celebrated locales such as San Jose Del Cabo, Cabo, Los Cabos, and Cabo San Lucas—you'll also need to put due consideration of the hair and makeup details of your impending nuptials. You must hire hair and makeup stylists to make sure that these details are done just right on your big day.
In order to ensure that your pictures will come out gorgeous, you'll need to help your wedding photographer out by hiring a professional to do your wedding hair and makeup justice. Besides which, taking care of this issue in advance will save you some stress and help you worry about more important matters, like venue selection or how many of your guests will be able to make it to your marriage ceremony. Firstly, phoning your family members and friends for advice is definitely a must, especially if they've had prior wedding arrangement experience.


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Position title
Operations Manager
Melissa Smith is Operations Manager at the Bretton Woods Committee where she coordinates member relations including fundraising, membership recruitment, and engagement. She also ensures that our office operations and technology run smoothly. Prior to joining the Committee, Melissa obtained her M.S. from George Mason University's School for Conflict Analysis and Resolution and B.A. from Bloomsburg University in History and Business Management.


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Congratulations! You have completed your registration for the upcoming seminar. The seminar is free but you are welcome to make a $5 minimum donation to the Boys and Girls Club of Southeastern Michigan by clicking here.
We look forward in assisting you in your journey to optimal health!
If you are serious about getting help with your diabetes, your first step in the process is to fill out a FREE online Health Evaluation. Complete your analysis today, click here for immediate access: Health Evaluation. This analysis is your first step to discovering what systems of your body may be the cause of your problem and keeping you from obtaining the health you deserve.
Your in Optimal Health,
Dr. Josh Shields D.C.
For appointments call: (734) 779-1650
Email: [email protected]
Clinic Hours
|9-12pm 2-6pm
|9-12pm 2-6pm
|9-12pm 2-6pm


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Drury Inn & Suites Orlando
This consistent, cost-conscious national chain, based in St Louis, Missouri, is a relative newcomer to Florida but still delivers value for money with a flourish, including half-board value at room-only prices.
Just off the busy International Drive corridor, it is close to Universal Orlando but well situated for access to all the other attractions as it is right on a junction for main motorway I-4 as well as key local routes like Turkey Lake Road and Sand Lake Road. There are several good restaurant choices within 10 minutes' walk and Orlando International Airport is just 20 minutes' drive away (15 miles/12km).
Style and Character
An unprepossessing eight-storey block externally, the hotel is nicely modern and inviting inside, with a bustling lobby area, gleaming tiled floors, bright check-in desk, and a help-yourself popcorn cart for guests to enjoy from 3-10pm. The basic style is unpretentious and frill-free, but expect a friendly welcome from a genuine family-owned company, who insist that "the extras aren't extra here."
Service and Facilities
A cut above cheap-and-cheerful, this is still budget hotel territory, hence service is basic but accommodating. The front desk is manned 24 hours a day and there is also a ticket desk for Universal Orlando and dinner shows, as well as a complimentary shuttle service to Universal and SeaWorld parks. Thoughtful touches include a business centre, guest laundry facilities and a small but well-equipped 24-hour fitness centre, plus a marketplace pantry for snacks, drinks and microwave meals. The main leisure feature is the heated indoor/outdoor pool (a Drury Inn signature facility), with a whirlpool tub, which is popular in the evenings when guests return from the theme parks.
- Parking
- Restaurant
- Bar
- Laundry
- Pool
- Wi-Fi
- Fitness centre
With 238 rooms, including 42 spacious suites, most are designed for families of four with some rooms boasting two queen-sized beds, as well as a mini-fridge, microwave, coffee-maker, clock radio and H2O+ toiletries in granite bathrooms. Drawer space could be better for those on longer stays, but this is largely a clean, relaxing sleeping space with good creature comforts. The suites have two TVs, a large living room and a sleeper sofa.
Food and Drink
Unusually, all the food is included with the price, but it is a basic buffet breakfast in the morning and similar buffet choice in the evening (the 'Kickback' from 5.30-7pm) with the likes of hot dogs, salads, baked potatoes, tacos, burgers, nachos and chilli. There is no cash bar, but tea and coffee are free, along with sodas from 3-10pm, and adults enjoy three free alcoholic drinks (light beer, wine and cocktails) during the daily Kickback period. The breakfast buffet includes traditional fare like pancakes and biscuits. There are plenty of restaurant choice nearby.
Value for Money
Double rooms from $106 (£85) in low season; and from $157 (£125) in high season. Wi-Fi and parking included. No resort fee.
Access for guests with disabilities?
There are various rooms adapted for guests with disabilities, featuring roll-in showers, grab-bars, lowered surfaces and audio visual alerts, while the pool area is fully disabled-accessible.
There are no specific children's amenities, but the general atmosphere is family-friendly and families make up the majority of the clientele.


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Pusha T gets married at Va. hotel with Kanye West, Kim Kardashian in attendance
VIRGINIA BEACH, Va. – Rapper Pusha T married his longtime girlfriend Virginia Williams at the Cavalier Hotel in Virginia Beach Saturday, according to People magazine.
Pusha T, whose real name is Terrence LeVarr Thornton, grew up in the Resort City. Fellow Virginian Pharrell Williams, who helped Pusha T secure his first recording contract, served as his best man.
Also in attendance at the star-studded wedding were Kim Kardashian-West and her husband Kanye West.


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For which cause we faint not; but though our outward man perish, yet the inward man is renewed day by day. For our light affliction, which is but for a moment, worketh for us a far more exceeding and eternal weight of glory (2 Cor 4:16-17)~ Friends and even family may forsake us. Enemies seem to prosper over us. Life might kick us in the "butt"! We may lose much for the Lord, but we shall not lose any thing by Him. Whether the Lord gives us health and temporal blessings or not, if we patiently suffer according to his will, in the end we shall be happy. This struggle is real but it's only temporary. Every single day you get a new beginning, with new mercies and new blessings. You just have to trust in God and Persevere the process! No matter what it looks like, seek His direction. Let this be your strength: "So the LORD blessed the latter end of Job more than his beginning" (Job 42:12). Yes my friend It WILL get better! Just keep living!!
For I consider that the sufferings of this present time are not worthy to be compared with the glory which shall be revealed in us
(Rom 8:18)


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We've made it a fun habit of ours to, every few months, compile the things we're seeing on the Instagram feeds of multiple celebs and thus becoming bona fide trends. Since fall is approaching, now seems like the perfect time to call out the next batch of trends making waves among the celebrity set. All of these women have well over a million Instagram followers, so with that kind of reach, it's no wonder they set trends in the blink of an eye.
While many of the trends celebrities are wearing as of late are holdovers from summer, those ultra-directional It girls like Alexa Chung and Chiara Ferragni are migrating to the new season already. We can't say we blame them for not wanting to wait—it's always a good idea to jump on a trend before it inevitably becomes oversaturated. Plus, you know we'll be back in a few short months with a whole new batch of celeb-approved trends, so you might as well invest in these before the tide has moved on.
Keep scrolling to see which pieces are trending on celebs' Instagrams and shop them for your own feed.
Next up: the Zara buys we're seeing all over Instagram.
Opening Image: David M. Benett/Dave Benett/Getty Images for Revlon


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In my last post I had embarked on an intermittent fasting journey, a new Way of Eating (WOE) called One Meal a Day (using the Gin Stephens method). I am just about through my 7th week, and the benefits have been everything that was advertised. I am so enjoying this WOE that I doubt I will ever go back to eating all day long. Here are some of the benefits:
Weight Loss: the graph below shows a steady downward trend in my weight. Week 3 was a difficult "adjustment week" for me. I experienced a lot of hunger during that time, and I probably ate more than I should have, which may explain the brief upward trend. But by Week 4 that intense hunger had gone and the weight began to go down again. As of today I have lost over 6 lbs in 7.5 weeks, which is a healthy rate of loss. Three days ago I broke out of the 150's and into the 140's, having not seen such weights in well over a year (and even then it was only temporary, as I was unable to sustain the needed caloric restriction without being ravenously hungry).
Hunger: as promised by the proponents of intermittent fasting, dealing with hunger soon ceased to be an issue. I still feel hunger sometimes, but it's a mild sensation that doesn't bother me and doesn't last very long. There's a saying among IF-ers: "hunger is not an emergency". You feel grumbling in your tummy and you no longer feel the need to drop everything and eat. It's like passing gas – it's just something your body does! It feels very freeing to live this way. I'm still amazed at how easy it is to fast for long periods of time (I average 19 – 20 hours of fasting each day).
Satiety: You need a lot less food each day than you might think. Especially if you are overweight. Think about it: if you have all that extra fat – why does your body need so much food? Fasting allows you to burn those fat stores easily, and so you just don't need as much food as you used to. For example, one day I broke my fast with a rather large snack as my mother had come to visit and we were sitting there eating while chatting. I had cheese, nuts, raisin scones with butter, focaccia bread with olive oil and vinegar, and a pot of tea (with lots of milk and sugar). I was very full afterwards but it was only 3:30 pm (my usual window is 2 – 7 pm). I assumed I would eat dinner, but when the time came I was still full and not the least bit hungry. Part of me thought "this can't be enough food – I'll be starving tomorrow!", but knowing I could get through hunger if I needed to gave me the courage to listen to my body and just not eat any more food. The next day was no different than any other day in terms of hunger, and this was the big "Ah-HA!" moment for me: I realized I can just listen to my body and stop eating when I am full and there are no negative consequences. Now, I no longer worry about how much I've eaten – I eat until I'm full and then stop. This the healthy relationship I have always wanted with food.
Obsessive Thoughts about Food: I have spent years battling my obsession over sweets and desserts. I keep them out of my house to avoid temptation, so when I come across them, an obsessive mindset would take over. If you are familiar with "scarcity thinking", the thoughts were kind of like that ("eat it while you have the chance!"). For example, recently I was at a meeting that had a small buffet table in the corner of the room. It had cookies and little tarts filled with fruit and cream. In the past, there is NO WAY that I would have walked past that table and not taken any of the desserts – besides loving sweets, my mind would say "they're free! When will I get such an opportunity again? it's just this one time!"…and of course I'd have to try one of everything. But this time I had NO desire to eat them. They were obviously store-bought and I was quite sure they would not end up tasting very good, definitely not worthy of breaking my fast! (on another occasion, I was offered a delicious hand-made treat from a local bakery – I wrapped it in a napkin and took it home and enjoyed it after my window opened!). As another example, we go to my mother's house every couple of weeks for a delicious home-cooked meal, and she always serves dessert. I would have 2 or 3 helpings of dessert even though I was stuffed from eating dinner, because the feeling of eating that delicious food was like drugs to my brain – little explosions of dopamine with every bite! Then I would take the leftover cake home and end up eating more before I went to bed, to get rid of the "temptation" as quickly as possible. I suppose I thought of it as "bad food" and since I never allowed myself to have such things in the house, I would feel the need to get rid of it quickly and go back to being "good". Well, all that has changed now. I can eat dessert every day if I want, but I don't want to. I don't crave sweets the way I used to. Yes, I still love dessert and pastries and sweet things. But not only has the "scarcity mindset" gone away, there is a noticeable and significant change in the feelings that those foods arouse in me. There is something about the effects of IF on insulin levels that, I believe, has rid me of those obsessive feelings, the urges that at times seemed so powerful they were beyond my control. The only time I was able to do this before was cutting out all sugar completely. That is not a life worth living!…(as an added bonus, I have begun to feel cravings for protein and vegetables and that is definitely new!)
Home Cooking: for years I have denied myself healthy home-cooked meals, the foods that I grew up with, that bring feelings of comfort, love, and happiness. Why? Because I could not control my portions, because trying to count the calories in a home-made recipe is a huge chore, because eating foods like white rice (a staple in my family's diet) would cause those obsessive feelings and I would eat way too much of it. Now with IF, I have re-discovered the joy of cooking. I am remembering old favourite recipes, and eating healthy, balanced, delicious meals. Some examples: pork sausages with mashed sweet potatoes (butter and brown sugar!), roasted carrots and green beans (butter, cinnamon, and cumin); curried chicken thighs with basmati rice and stir-fried veggies; classic beef and vegetable stir fry over white rice; "all the leftovers" fried rice; mushroom risotto; pasta with beef bolognese; huge salads with cranberries, avocados, and toasted nuts. I almost always have dessert, but that usually means fruit (it's Pumelo season right now) and a bit of chocolate (Cadbury has new mini chocolate bars, my current favorite is hazelnut), not because I'm trying to "be good" but because that is what I feel like having. I'm also planning on getting back into baking. I'm a pretty good baker, and I used to really enjoy it, but I could not be around all that sweet food without overeating. Now I'm planning on making homemade bread again, baking fresh buns to go with dinner, or crust for a homemade pizza. I'm also excited about baking Xmas cookies this year – I have some great recipes that I love. With IF and the adjustments in my appetite, cravings, and attitude towards food, I can have these things around and it isn't a problem.
Mindless Snacking: I would say that a good deal of my weight issues stemmed from evening snacking. It was such a habit that when I was calorie counting, I would deliberately save anywhere from 200 – 400 calories for just that, and it was mostly made up of chocolate. Of course, the problem with calorie counting is that it was easier to justify having just one more little thing "it's only an extra 60 calories, no big deal". But with fasting, it's all or nothing and for whatever reason it has served as the great gatekeeper against evening snacks. Only once in my 7 weeks of IF have I succumbed to the urge to have evening snacks. Otherwise, I simply do not eat after my window closes. But I am now realizing that I would also eat food just because it was there: Leftover lasagna? Better eat that. Oh look, there's some fruit and yogurt in the fridge, I should eat that. In the past, I would have eaten that food even though I was not hungry. That fact has become crystal clear to me now, and I think "no wonder I put on weight, I was eating food that I didn't need at all". I'm continually surprised by how easy it was to do that. Again, it goes back to truly listening to your body: don't eat if you aren't really hungry. That was much harder to do before IF, now I find it easy.
So these are just a few of the many benefits of intermittent fasting. It has accomplished my greatest wish – healing my relationship with food. The weight loss is just an added bonus, and I can say with confidence that even if I did not lose weight, I would continue with this WOE because of the healthy mindset it brings around food. Many people doing IF/OMAD talk about "freedom". That is really a great word that sums it all up. Freedom from distracting hunger, freedom from cravings, freedom from food obsessing, freedom to eat what you love, freedom from calorie counting, freedom to listen to your body and follow its cues, freedom to get stuff done during the day without being a slave to regular mealtimes, freedom to eat less and have it be plenty, freedom to say "no" to "free food" that you don't even really want, freedom to enjoy a night out at a restaurant or a vacation or holiday feast without any feelings of guilt. The list goes on…I absolutely LOVE this WOE and can never imagine going back. Nobody has ever said that about a diet. But of course this isn't a diet, it's a lifestyle.


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New Zealand is taking bold steps to evolve its legal system by recognizing "legal personhood" status and rights for natural systems, including rivers and forests. Arising from agreements to settle treaty violations with indigenous Maori, the recognition of the Te Urewera Forest and the Whanganui River as legal entities is a growing approach (following related efforts in Ecuador and elsewhere) for shifting law towards a more ethical, eco-centric standard.
"In New Zealand, Lands and Rivers Can Be People (Legally Speaking)," The New York Times, July 13, 2016


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today. mood nak tayang handbags aku yang tak seberapa ni.
sebab, hari hari mak bising bende yang sama dgn aku.
handbag banyak. penuh satu bilik. sudah2 la. jgn beli handbags lagi.
so, one night. aku duduk dalam bilik, and tengok balik semua handbags aku.
and these is wht I found :D
1 ; bought this one kedai belakang Sg Wang. now kedai tu pon dh tutop. haha. bought it with Biha.
2 ; a gift from Chin. it was my 16th birthday. I looove this bag so much.3 ; bought at MidValley with my mom. very cheap, now hampir putus sbb suka taruk benda2 berat dalam tu. haha
4 ; bought at Sunway Pyramid, together wth Biha and Chin right after our loong wet day at Sunway Lagoon. haha
5 ; very cheap cheap one. bought at Jusco Maluri for like rm15 kott. its goold. pakai agak lame sudah, now I hardly wears it because mcm dh tak elok je. but, sometime pkai jgk pgi college sbb matching dgn baju. haha
6 ; haaa. bag yg menuggu mase utk putos. oww yeh. bought at this one shop dkt Jusco Balakong, with Biha dgn Chin jgk. suke ooh bag ni. huwm. nk bwk pi kedai kasi betol lah. hehhe7 ; a very big handbag. I called it tote. mak bought it but she never wears it. but I did okay. so, practically its mine lah. haha
8 ; Roxy. very old one. still in good condition. now dh tak pkai sbb its too small. hehhe
9 ; Marks and Spencer. this bag is niiice. somehow its very convenient, pon dh tak pakai sbb kecik.
10 ; Baba bought this for me. bright pink of Guess, usually wears it for special occasion
11 ; Coach, most branded handbags ever, a gift from kak Mariah and hubby, Bill :)12 ; bought it last Sunday at Forever 21, cheap cheap saje meyh. belom pakai lagi, planned to wear it for college.
13 ; definitely not LongChamp. haha. bought at Brand Outlet, Ikano. pon cheap. motif beli sbb nak same dgn Alia. her's is red LongChamp. janji pattern same okay. haha
14 ; bought at Jusco Balakong jgk, pun cheap jugak, pun for college jugak. often wears it too
15 ; bought at FOS. korang pon harus beli jgk okay. a reuseable bag that cost only rm5. mostly is about trying to conserve animals. beli beli beli.
16 ; bag dulu dulu. haha. bought at Melaka, I like the pattern, selalu je pakai jugak. 17 ; my shotgun's bag. cheap one saje ye Ady. bkn brand Sony pon. pffttt* haha
18 ; heeee. this is my skoolbag dulu taw. haha. same dgn Chin jst different color je, bought at Radioactive MidValley. murah seyy sbb tgh sale. haha
19 ; a handmade by Feeqa's mom. Feeqa is Chin's friend. cantik kan. mine is the same as Biha.
20 ; haha. this one is like my own creation la. cheee. konoon. the pink bag was free, from seventeen mag I think. then I asked my mom to sewed the reben around the bag then I tied it. the ribbon pon free sbb beli ape ntah. haha. sangat cantik okay. ramai orang suke taw. comel je. haha. 21 ; Guess one. bought at Guess Alamanda. this bag kan, haaa. this is the first bag that I actully asked my mom to buy it for me. haha. aku tak pandai seyy nk mintak2 brng kt orng ni. but this one, mmg aku mintak kt mak. and luckily mak beli kan. yeeey. its my ultimate favourite, very conveniet, tahan lasak okay. jst that skrang nk jarang pakai sbb the bling bling dh byk tanggal. sayang je pulak en.
22 ; pon agak latest, tak sampai 15kali pakai. bought at this one stall dkt Tesco Ampang. a very good material okay. sgt tahan lasak. specially bought it sbb nk letak my lappy and shotgun. finally, my latest handbag. kak Leen bought it for me. yeeey. its Guess jgk. bought at Isetan Lot 10 last Sunday. belom pakai lgi. hehhe. dh lame okay aim bag ni, finally dpt jgk. nasib ade discount. haha.
thats all I guess. haha. itu je yg ade in my room yg bule nmpk dgn mata kasar lah. haha. tataw la klo ade yg tersorok lg ke en.
oh. my backpack yg agak mahal that I wore since I was form 1 ade dkt Chin. konon nk pinjam, tp dh jadi harta dia. I dont mind as long as dia jage dgn elok nye. and setahu aku, bag tu pon dh smpai ke Johor. haha. and also ade lg satu handbag pon kt Chin jgk. Memy bought it for me. konon pinjam, lame2 jd harta.
haha. takpe, wa tara kisah punyeee :D
giler entry menjobo en. hahaha.
takpe la, I feel relieved.
so guys,
jom kutuk // ngumpat aku.
January 20, 2009
blabbed by Amira Zafirah at 1/20/2009 06:39:00 PM
8 extra blabbing on "handbags"
- ika on January 20, 2009 at 7:49 PM said...
giler r mira..
cm artis la plak..
- eyqa myqa on January 21, 2009 at 12:03 AM said...
gyler tayang bag weyh.
xbolee blah.
- adenium on January 21, 2009 at 10:34 AM said...
suker tgk yang 8 ngan 22...heheheh
- lil^RED799 on January 21, 2009 at 1:03 PM said...
buka blog ady....
eh eh...
ni bukan lagu dekat blog mira dulu ke...
bukak blog mira balik...
eh...dah tukar lagu???
ehem ehem...
- Amira Zafirah on January 21, 2009 at 1:56 PM said...
lil red ;
aiyoo. dia curik my song okay.
tiade lebih dr itu.
=)) =)) =))
- nana on January 21, 2009 at 3:09 PM said...
bole bwat jualan amal.haha
- lil^RED799 on January 21, 2009 at 6:50 PM said...
waaaaaahhh full stop tu...
tak tahan...
ehem ehem lagi!!!!
- Amira Zafirah on January 22, 2009 at 6:40 AM said...
aiyoo. lil red.
awak ni mencetuskan kontroversi okay.
hahahaha :D
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I met with some first time home buyers the other day and their biggest concern was how much would it cost if I had to commute from this area. In my serach to find them an answer other than "google it for distance," I found a great tool that could help estimate their costs as well as distance. It's a commute calculator at Cost2Drive.com.
The site asks users where they are going and what car they drive, and calculates how much it will cost to get there, how long it will take, and how big the carbon footprint of their trip will be. For longer trips, the site also allows users to compare the costs of flying vs. driving.
written by Gina Odom, Realtor


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By Adeolu Adesanya ||
"Power is not given, power is taken. Power is not just taken, it must be taken strategically." Adeolu Adesanya
I read Mitchell Aghatise's article on the issues arising from Nigeria's ministerial screening by the senate, especially the issues bordering on youth engagement. I loved every bit of the article. I believe it is essential to act on ways which we can advance the cause of young persons in the nation's polity. We need a true alternative that is a clean break from the old guard. Neither APC nor PDP- as presently constituted- is the answer.
I strongly believe the Nigerian youth needs to stand up and TAKE power from the 'old guard'. Nigeria has regurgitated leaders from the same set, for the past 40 years. It is not only time for new individuals, but new ideas. Canada just elected a new prime minster, Justin Trudeau. At 43, he is one of the youngest leaders in the world. Young people in power is therefore not without precedence.
This photo has gone viral of Justin Trudeau as a baby, while meeting former Nigerian Head of State, General Yakubu Gowon. Gowon's mates, including the current President – Muhammadu Buhari, are still actively in charge of Nigeria's political administration today. Truth be told, I supported Buhari's race for the presidential seat. This was necessary due to the state of the country under Jonathan, and the lack of any other realistic option to stem the tide.
With Buhari in power, we are not to rest yet. We must support him to achieve the rebuilding process of our nation. However, we must also kick-start the next phase of the rebuilding process – young people with innovative ideas, as well as the capacity to TAKE power. The old guard will continue to hold on to power for as long as they are unchallenged. Challenge in this context is not violent opposition. No. We must have an alternative that challenges with better policy choices, roadmaps to develop Nigeria, with hands considered capable for the task, in all quarters. Then, the public will have to make a truly informed decision. Do not get it twisted; Bukola Saraki for instance, is not new school he is a part of the old guard.
Furthermore, we cannot look up to this current crop of politicians and wait for them to actively involve us in governing the country. It will not happen, they would only involve us peripherally when it's convenient and would work to their advantage. They would never invite youths to have a seat at the table, the table where major decisions that affect the populace are being made.
These same people, forty to fifty years ago had to TAKE power themselves from the colonial masters. In the 1960's when we won our independence from the British, power didn't shift hands willingly, it was taken strategically through efforts by the nationalist movements. Some of our current crop of leaders fought the British to gain independence for the country to make it a republic, bearing in mind that they were not the first set of educated people in Nigeria, neither were they the oldest nor the first set of military trained individuals. However, they TOOK power.
One of the weaknesses bandied by those opposed to the incumbent Canadian PM was that he was too young and inexperienced. This criticism is stale. The same critique was levelled at Barack Obama in 2008, but he has shown himself capable to handle the office of president. In fact, Justin Trudeau, in the opinions of many offered the best economic roadmap to the Canadian people. Today, he has been elected the Prime Minister- one hopes he won't misplace the trust of the Canadian people.
One must sound a caveat. Although several western leaders are young; Enrique Pena Nieto, David Cameron, Barack Obama, to name a few, nevertheless, the current American Presidential election Is littered with the 'old guard;' Hillary Clinton, Donald Trump, Jeb Bush, Ben Carson, Bernie Sanders – Of these, the youngest is Jeb Bush at 62! In essence, the common denominator is the determination to take power- whether young or old.
Coming home, the PDP government did not want to relinquish power. They had been in power for 16 years, and did not wake up one morning to say, "we have held power for 16 years, it is now time to share it with APC, APC come and do your own 4 or 8 years." That did not happen. APC led by the Tinubu had to strategically take power off PDP. Part of the strategy involved poaching some of the influential but disgruntled PDP members.
It is important and interesting to note that, the power brokers most times are able to spot a momentum, and leverage on it for a power shift. They sometimes read the agitations of the populace, and then subsequently take action. They try to influence the populace as much as they can. If that does not succeed, they jump ship early in order to have "bargaining power" – that is what happened in Nigeria. The power brokers saw there was a power shift in Nigeria that was led by Buhari and Tinubu, and they decide to join in early. Left to the Northern elite and other power brokers, Buhari would not be in their top 10 candidate for presidency. However, with the momentum he had on his side, they had no option but to go with him, or be forever cut off. He had the upper hand.
It is speculated that even before the 2011 presidential elections in Nigeria, Tinubu had initiated moves to partner Buhari in readiness for 2015 elections. A good 4 years head start, even though he had a candidate at the 2011 election – this was because he was able to read the political climate that was discontent with the ruling PDP. From 2011 the strategy was put in motion, which birthed the victory of the APC at the polls in 2015.
Currently there is growing agitation in the country. Many youths feel marginalised. Handled correctly, with the right networks, policies and roadmaps, this could birth momentum for a power shift. The youths need to be strategic in exercising their political influence in Nigeria. Again, we are the biggest voting bloc in Nigeria. Let's consider how we can really transform our influence in numbers, to influence what policies triumph at the ballot box. Such influence could ensure that the relevant institutions become more accessible to young persons and benefit the youth also. My advice would be to form a party, be very strategic about it.
Amongst the first batch of ministerial nominees, Lai Mohammed spent one of the shortest time frames on the screening seat, and he is not a former senator. As one who lambasted the then ruling party for ten years or more, one would expect him to be the one given a hard time during screening. But he knew his craft and is respected for it. Therefore I say, when a few that knows their craft come together and articulate their position, in no time they would be respected. We do not need a lot – ten people are too much; three to four people are enough to start.
These four will push these agitations, nursing it till it becomes a momentum for a power shift. In doing this, they will get a proper strategist, and get other like-minded people on board. First they will seat and come up with well thought-out and debated policies that will combat the myriad of challenges facing Nigeria. They will keep their plans highly guarded secret till the right time. Patience is key here.
In the period, they would have started securing platforms to spread their message. At the right time, they would get the PR practitioners to move into action, this would steam roll into a movement. The wise power brokers will spot this momentum and will move to want to be part of it, but this is when we would lay our bargain power.
2019 elections in Nigeria are not far off at all. If we are aggrieved about the non-inclusion of youthful ministerial nominees, this should move us to action.
We must know, power is taken, and it is not just taken, it is taken strategically. It takes just a few people to begin this move, and in no time, we would be there. Come 2019, we will be celebrating a youthful government with with vibrant and innovative ideas to move Nigeria forward. This is not a call to dominate only the presidency, but we must ensure that the levers of power from the grassroots up are injected with a youthful outlook.
Once again, power is not given, power is taken- power is taken strategically.


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These 350 square foot rooms come with two double beds or a king, perfect if you're traveling with family or friends. Includes our Provenance Signatures, locally influenced honor bar, and Wi-Fi.
These thoughtfully designed rooms have breathtaking views of Portland. At 350 square feet, they come with two double beds or a king, our thoughtful Provenance Signatures, locally influenced offerings, and Wi-Fi.
Indulge in a Premium Corner room, with expansive windows, ample natural light and sweeping city views. At 270 square feet, it has a king bed, our welcoming Provenance Signatures, locally influenced honor bar, and Wi-Fi.
Traveling with family, or need extra room to meet with business colleagues? Our 472 square foot Loft Suite includes a king bed and separate sitting area, as well as our welcoming Provenance Signatures, locally influenced wine bar, and Wi-Fi.
Located on the top floor, our Penthouse Suite is like a private, sumptuous apartment, complete with sweeping views. Includes a parlor with fireplace, dining table, wet bar and entertainment system, as well as two opulent bedrooms.
Designed to welcome every traveler, Dossier houses a variety of accessible guestrooms crafted to meet the needs of travelers who require mobility, hearing and vision accessible accommodations.


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50 Cent has a way of pulling money out of thin air by making prescient early investments. Though he hasn't been doing so great lately, he still has some tricks up his sleeve. It turns out he accepted Bitcoin payments for his 2014 album Animal Ambition and never cashed them out. Suddenly, he's richer than he realised.
Photo: Getty
In 2004, Fiddy signed an endorsement deal with a little company called Vitamin Water that ended up netting him half a billion US dollars. In the meantime, he's had his ups and downs on the sales charts, got hurt in the 2008 recession, mismanaged his cash, and filed for bankruptcy. Animal Ambition wasn't much of a hit and in a 2014 article titled, "9 Albums That Flopped in 2014 (Or Did They?)", Billboard reported that it only sold 124,000 copies. Well, Billboard was right to question if it was an actual failure, because fans paid him 700 bitcoin that apparently have been sitting in an account with no one paying attention. Today, that stash is worth about $9.5 million.
At the time of the album's release, one bitcoin was worth about $820, so his haul in 2014 was still around $570,000. That would be a lot of money to most people, but the hip-hop star apparently forgot about it. "I'm a keep it real. I forgot I did that shit," he wrote in a now-deleted comment on Instagram. At the time of the album's release, he did a Reddit AMA in which he said he was accepting cryptocurrency as a way to "stay with times".
It's a little curious why 50 Cent deleted his original Instagram post bragging about TMZ's report on his windfall. He still has other posts that reference it, including a video captioned, "Stop talking about my money, look at this shit. LOL." One reason might be that he had to explain himself in bankruptcy court after posting photos of cash on the social network. Let's just hope he didn't forget his private keys.


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Wiring Harness Jig, Power Distribution, FPV<
Intended to be used with STLhive.com Quad-Copter designs. Product features a quick to print, and easy to use design. This jig allows single hands free soldering. If too much heat is applied it is safe to assume the Jig will melt. Modifications can be made as customers requests with sketches and dimensions sent to us. This Jig gets the job done and leaves some room for improvement and innovation as the need should arise. See below for more model details about this genuine STLhive.com part.view Add to cart


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Somos Libres II
Yesterday evening, the posh and fashion world of Torino flocked to Pinacoteca Agnelli in Lingotto area to attend the opening of exhibition featuring the Collection of Mario Testino, one of the most famous fashion photographers today. Somos Libres II is the exhibition of artwork collected by the celebrated photo – documentarist of the rich, famous and beautiful, presenting a range of pieces done in various techniques.
This is the second presentation of the collection in the world, as the first one has been realized in MATE, Testino's cultural institution in his native Peru in 2013. Among the artists Testino collects are some of the prominent figures of contemporary and urban art, from Andy Warhol, Cecil Beaton, Ugo Rondinone, Richard Avedon and Cindy Sherman, to Kehinde Wiley, Raymond Pettibon and Elizabeth Peyton. Curated by Neville Wakefield, Somos Libres II is installed combining the most famous shots done by Testino, merged with transparent panels, while on them, the works of art from the collection are suspended. Another section of the show features paintings, arranged on two adjoining walls in the dynamic and unconventional manner.
Opened yesterday, on the evening of May 16, The Mario Testino Collection will remain on view through September 14, 2014.
Collection of Mario Testino
Famous for selecting the greatest dames of contemporary history as his muses, from Princess Diana to Gisele Bundchen, Mario Testino has also been a keen art collector. The exhibition at Pinacoteca Agnelli displays his affinities, portraying the photographer as an art lover. An immediate devotion to contemporary art is visible along with his passion for pop culture. The glass panels vitalized by his images of Kate Moss, Queen Elizabeth or other divas host photographic pieces of various formats. On view are Warhols photograph of Mick Jagger, a wonderful picture of Elizabeth Taylor captured by Yul Brynner, or a nocturnal shot from New Jersey by Nan Goldin. The photos span over the period of several decades, starting in the 1930s and onwards. Some of them are just simple documents from the lives of pop figures, and some are artistic experiments in the medium. All of them depict Testino's aesthetic and artistic preferences.
Luminaries in painting and photograph
The room next to the photographic installation presents paintings from the collection. Perhaps the most eye-catching piece is the large-scale St.Francis from 2007 executed by Kehinde Wiley, while Andy Warhol's Marella Agnelli from 1973 is keeping it company on the same wall. Two small pieces deserve a piece of attention as well, a work by Raymond Pettibon from 1984 and a small portrait piece by Elizabeth Peyton on the adjoining one.
The name of the exhibition derives from the Peruvian national anthem, starting with the exactly those two words, meaning "We are free". The freedom of his people and mankind translates into Testino's artistic freedom of expression, which is in direct relation to the artistically free people that inspire him, a lot of whom are presented at this show.


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Beer cake
In Great Britain, they have Christmas pudding.. We have Beer cake. I make the cake only once a year, in the beginning of advent. Thanks to this, we all know that Christmas is actually coming :-)
PreparationSteps: 6
Mix all the dry ingredients in one bowl, including raisins and citrus zest.
Melt the butter in a pot and let cool for a bit.
In another bowl, mix dark beer with eggs.
Finally, add melted butter and beer with eggs to the dry mixture. Stir properly. You don't need to use blender, wooden spoon will be enough.
Use round baking tin with removable bottom part, 18cm wide and line with baking paper (on the sides as well). Cover the sides with baking paper above the edges.
Bake in oven preheated to 160 degrees for approx. one and a half hour (90-100 minutes).
This beer cake is best served rested. Once the cake cools down, you can pack it into aluminium foil, place on a cold spot and cut piece by piece for a couple of days. However, it doesn't last for more than a week with us.
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