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I had a sneaking suspicion that the last Citrus Lane box we got was in fact for November, not December. That suspicion turned out to be confirmed when another box arrived on our doorstep last week. I'm not going to complain, though; more fun presents for Evan!
Evan has learned that these boxes are for him. When we set it down on the floor, he goes to town opening each one up and pulling everything out. He'll inspect each item before handing it to me and saying, "Open it, please" so the inner wrapper can come off and he can get down to playing. This month's box didn't have a fun treat for Mom like normal, but there's something I'm going to be enjoying for a long time to come.
Handprint Art Kit, Pearhead
This little kit, a Citrus Lane exclusive (you can buy similar kits with colored canvases on the Pearhead site), comes with a stretched canvas and paint and is big enough to get an entire set of family handprints, if your family is small like ours. I love things like this that preserve Evan at a moment in time. He's growing up so fast; this canvas will help hold on to a piece of my little man when he's not so little. And Pearhead included a 20% discount code so I can stock up on some of their other keepsake merchandise. $14.95 retail for similar products
I Took the Moon for a Walk, Barefoot Books
Evan loves books (despite his checked-out facial expression), so I was glad to have something to add to his collection. And a bedtime story at that – there's only so many times Mommy and Daddy can read "Goodnight, Goodnight, Construction Site" before wanting to hide it in the back of the bookshelf. For parents looking for a little extra income, Barefoot Books also has a direct-sales side to their business. I have trouble keeping track of all our friends selling jewelry or housewares or body care products, but someone selling children's books could make a lot of money off of me. Just sayin'. $7.99
Snuggly Lotion, Episencial
We've gotten other Episencial products in previous Citrus Lane boxes, and we love them all (I even use the body wash on occasion to wash my hair in the bathtub). And lotions like this are always great to have around in the winter, especially since Evan has eczema. Episencial uses organic ingredients, and this non-greasy moisturizer is light enough to use morning and night without leaving Evan's skin (or mine) feeling sticky and coated. And thanks to the included gift code for $5 off a $50 Episencial purchase, we can stock up. $11.99, 8 oz.
Chunky Puzzle, Melissa & Doug
It didn't take long for Evan to find this puzzle and beg Mommy to open it. He's got a stack of Melissa & Doug puzzles on our coffee table and he's mastered this chunky variety, saying the name of each animal or object as he puts it in place. These puzzles are great for little hands, and they hold up to a lot of wear and tear (Evan likes to throw pieces; we're working on it). $9.99
These Citrus Lane boxes are great practice for Christmas morning. He's going to have a LOT of presents to open!


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Out of all the things that can make or break a relationship, libido is extremely important. Just exactly what is libido? It is, quite simply, the measure of your sex drive. Some may be high while others are low. A few of them even fluctuate back & forth.
- Have you ever had a relationship start up with someone merely over the sexual chemistry between you two?
Most of us have at least one experience like that in our past.
- Can you remember how long the relationship lasted?
Chances are, it didn't last very long if all you had in common was passionate lovemaking. Once you satisfied the itch, everything sizzled out, right?
Now think back to the last relationship you had that was based on common interests, mutual respect, sexual attraction, and similarities of life experiences. Relationships based on all of these characteristics are usually stable and long-lasting.
Wait a minute!
What if, after a few years of being with this person, the sexual attraction grows dim (on either side)?
It is actually common for people to undergo a slight drop in libido after being together for many years. The trick is to discover if something concrete is causing the drop and, if so, to fix it. Men almost always think their penises are to blame but that is not true.
Libido is very important to a successful relationship so if it drops noticeably, then it's time to take action. For purposes of this article, we are going to assume that you (the man) are the one experiencing the change. Keep in mind that many factors, such as age, hormones, & medical conditions, can cause the libido to drop or fluctuate.
What common factors can cause your Libido to drop?
1) A troubled relationship almost always causes problems in the bedroom.
If you & your wife (or girlfriend) are having marital issues that are also showing up between the sheets, that's a clear indicator that you need to work on your relationship. Most often, the trouble is not a lack of physical attraction but a lack of emotional bonding and tenderness between the two of you.
Find some kid-free time where you and your partner can sit down and talk. The sex will get better as the relationship is repaired. Once you get it back to normal, keep it that way by changing things up from time to time to make it interesting & fun!
2) Unhealthy Living takes down many of us, especially once we get older.
Too many years of smoking tobacco, drinking alcohol to excess (or using illegal drugs), and eating unhealthy, high-fat foods will cause our libido to drop so low we will think it's gone for good. If this sounds like you, then get your butt to the gym fast!
This is a problem that's fixable but you will have to give up a few things! Lay down the tobacco, cut down on the alcohol, cut out the drugs, and start eating healthy foods. You will be amazed how different you feel after a few short weeks.
3) Low Levels of Testosterone frequently causes libido problems in men, especially older men (over the age of 50).
There are pills formulated to increase your testosterone levels back to normal but they don't always increase your libido like they should.
You can generally counteract this by taking supplements of nitric oxide (all-natural) along with the testosterone pills. It is important to keep levels of nitric oxide high because it helps keep your erections hard while also increasing your fertility and your desire for sex. This is particularly important as you grow older.

subset: commoncrawl


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Fred Barnes is an executive editor at The Weekly Standard, co-host of The Beltway Boys on Fox News, and a regular panelist on Special Report with Brit Hume on Fox News.
In contrast, here's what I said about the election(s) in Iraq.
I don't comment on the elections because it doesn't mean anything new to me (and I've been trying to blog less about politics.) The Iraqi people voted, again, which does show they want a stable gov't., although I'm not sure how much democracy they'll have if they vote in an Islamic gov't. But that desire means nothing if we and the world can't deliver on helping them build the infrastructure necessary to achieve whatever form of gov't they ultimately decide on. So, yes, I do think such a higher voter turn out is a positive sign. But until voting can be translated into results I'm not ready to celebrate.But I agree, we should support and encourage democracy whenever we can. I'm just at a loss for how to do that in Iraq. Where's Tom Paine when you need him?
I am not an executive editor of The Weekly Standard, not a cohost of The Beltway Boys on Fox News, and not a regular panelist on Special Report with Brit Hume on Fox News.


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I have written a number of papers on various topics, and will continue to do so throughout my career. They will be posted here and I pray they may be of some use to you.
If you want to read my sermon-style blog posts through various books of the Bible, click here.


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Friendly Foxes frolicking with flowers, shrubs, and little birds creates the most adorable diaper print. This AIO has a PUL outer, and a Rose Quartz PUL inner with a Gray Athleic Wicking Jersey topped Hemp Bamboo Organic Cotton core. Soakers are also Hemp Bamboo Organic Cotton and are super absorbent.
This Friendly Foxes AIO diaper is Ready-to-Ship and ready to love!
Why you'll love this Friendly Foxes AIO Diaper:
- Easy to Clean and Quick to Dry
- Stay Dry Wicking Jersey Topped inner soaker layer
- 7 Layers of Hemp Bamboo Organic Cotton
- Premium Quality Elastics
- Reinforced PolyResin Snaps
- 5 Waist Positions for Longer Use
- 3 Rise Positions
- Front & Back Attached Petals
- No Cover Needed
- Soakers Agitate Out in Wash
How to care for your Friendly Foxes AIO Diaper:
- Dump Solids
- Cold Quick Wash Cycle
- Hot Wash Cycle
- Cloth Diaper Safe Detergent
- Ointments Ok with Liner
- Machine Dry Medium or Hang Dry
- No Bleach/Fabric Softener or Iron
Friendly Foxes AIO Diaper Materials:
- Inner: 100% Polyester Knit
- Outer: 100% Polyurethane Laminate
- Soakers: 40% Hemp 30% Bamboo 30% Certified Organic Cotton


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You can create a Clue account which will back up your data on Clue's servers.
This means that your data is safely backed up in case you lose or change your phone. You can read more about how Clue handles your data here.
You can also use it to log in to your account from another device.
To set up an account:
- Tap on Account in Clue's "More" section and follow the instructions.
- You will receive an email to verify your account. Click on the link in the email to verify and activate your account.
- Your account is now active.
To restore or move your data to another device, see Can I move my Clue data to another device? (iOS).


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Source Link : http://youtube.com/watch?v=33h3WqEysJ4
Channel : Chandras lifestyle
View Count : 1,450,748
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i am shearing all new modern Design Sofa cum beds which are exclusively available at all outlets of CHANDRA FURNITURE DOT COM
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Purpose of this website is to make youtube.com content available to those countries where youtube.com is banned for some reasons. The countries listed are: Brazil, Turkey, Germany, Libya, Thailand, Turkmenistan, China, North Korea, Iran, and Pakistan.
All the videos on Youtube are copyrights of their respective owners and any copyright infringement resulting from their transfer to Facebook will be liability of the user performing such action.
We also do not store videos on our servers, they are cached and subsequently destroyed, once the upload has completed.show more


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Washington state tragedy reminds Wilkes of flood threats
William Amos, Jake Cochran, Kat Dodson, Alyssa Stencavage
April 25, 2014
Hang on for a minute...we're trying to find some more stories you might like.
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The recent events in Washington State, which have destroyed homes and taken lives, are a reminder to us all of the damage severe weather can cause.
That rainfall is a familiar scene to North Eastern Pennsylvania residents. In fact, the flood of 20-11, and even going as far back to the Agnes Flood of 19-72, caused serious damage to homes and forced evacuations.


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Attacks of Sleep and Weakness in Cats
Narcolepsy and cataplexy, disorders that affect the way an animal is able to physically operate, are rare but well studied disorders of the nervous system. Narcolepsy is symptomized by excessive daytime sleepiness, lack of energy, and brief losses of consciousness. The episodes are typically brief and go away by themselves. Cataplexy is characterized by sudden muscle weakness and paralysis without loss of consciousness. A cat that is affected by cataplexy will remain alert and capable of following movement with its eyes throughout the episode. Cataplexy is similar to narcolepsy in that the episodes are spontaneous, brief, and reversible. Individuals may be affected with one, or both of these disorders.
Symptoms and Types
A cat that has either of these conditions will not always have any secondary or underlying conditions related to it. A physical exam will usually show normal physical and neurologic responses with no obvious abnormalities. This is not a fatal disease, but it is one that requires attention and awareness. Narcoleptic and cataplectic episodes can last from several seconds up to 30 minutes, and often will take place when the cat is eating, playing, excited, or is engaging in sexual activity. Cataplexy in particular is characterized by episodes that occur during moments of heightened emotion. During a narcoleptic episode, the affected cat will collapse onto its side or stomach, its muscles will slacken, and all physical movement briefly ceases. It is just as if the cat has suddenly fallen into a deep sleep. Closed eye movement continues, as with the stage of REM sleep. During a cataplectic episode, the cat is aware and conscious of what is going on around it, its eyes remain open and under the cat's control, but it is otherwise paralyzed. The cat typically will come out of the episode in response to external stimuli, such as when it hears a loud sound or is petted.
Some of the usual symptoms of narcolepsy and cataplexy are:
- Rapid onset of episodes, with no apparent warning of imminent collapse
- Sudden loss of consciousness
- Paralysis of limbs, head, and torso
- Episodes last from several seconds up to 30 minutes
- Eye movement, muscular twitching, and whimpering during episodes
- Episodes usually end when stimulated by petting, loud noises, etc.
Generally, narcolepsy and cataplexy are categorized as idiopathic, since there has been no connection to an underlying cause. Some of the suspected causes that are still being studied are disorders of the immune system, and disorders of the nerves.
Your veterinarian will perform a thorough physical exam on your cat, including a blood chemical profile, a complete blood count, a urinalysis, and an electrolyte panel to rule out any underlying diseases. You will need to give a thorough history of your cat's health, the onset of symptoms, and possible incidents that might have precipitated this condition. If it is possible to visually record a narcoleptic or cataplectic attack, it will help you and your veterinarian in finding a pattern to the episodes, if there is a pattern. If there is an activity that appears to consistently bring about episodes, your veterinarian will attempt to simulate the activity so that an episode can be observed first-hand. A food-elicited cataplexy test may also be performed, since many animals with cataplexy have attacks while eating.


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Europe's macroeconomic and corporate fundamentals appear to be improving. What do you find most encouraging?
TP: In Europe, there are a number of reasons to be optimistic.
To begin with, corporate Europe is becoming more competitive globally. Cost cutting and higher productivity have enabled the region's firms to boost their global share of exports.
A second positive is subdued wage inflation. Although rising, Europe's employment rates are lagging those of other regions. Europe therefore has more slack in the system before wage pressure pushes up costs. This gives European companies a competitive advantage over their counterparts in the US, Japan and emerging markets.
Then there's the improvement within Europe's financial sector. Many European banks are in better shape than they have been for years, with capital adequacy and leverage ratios above the levels required by regulators. Investors welcomed the recent rescue of two Italian banks and a Spanish bank as the final steps in the 'clean up' after successive crises – as little as two years ago such moves would have caused stock market panic.
More broadly, the balance sheets of governments, corporations and consumers are improving for the first time in many years. We expect this to lead to a significant uptick in both capital expenditure and merger and acquisition activity as European companies deploy the excess cash they're generating – another positive for the region's stocks.
It's worth noting that as the capacity utilisation of European companies reaches a "tipping point" of 80 per cent, the only way firms can continue to grow is by investing or acquiring. Testifying to this, the first half of 2017 has seen a 135 per cent increase in the value of M and A deals in Europe versus the same period in 2016. Increasingly, foreign companies are recognising the relative value of European assets, with nearly two-thirds of recent M and A deals by value, or EUR550 billion, buyers from outside Europe1.
All of this should create a buffer that would allow the economy to cope with any reduction in monetary stimulus from the European Central Bank.
How do you rate corporate Europe's earnings prospects?
TP: For the first time in seven years, analysts have been upgrading their initial forecasts for European earnings. The consensus expectation now is for 15 per cent growth in 2017. We believe there's room for further improvement as earnings remain below their long term trend.
Investors see that too. European stocks are attracting investors who have long been underweight the region: the market has drawn at least EUR30 billion of mutual fund and exchange-traded fund inflows so far this year, after close to EUR100 billion of outflows in 20162.
How can equity investors best take advantage of the improvement in Europe's investment climate?
TP: On the surface, there are plenty of investment opportunities opening up across European equity markets. But not all stocks are the same. It's as important to be as discerning during the good times as it is during the bad.
We only ever invest in companies which we believe have the ability to generate strong cash flows and reinvest those flows at high rates of return.
It's an approach that requires conviction, patience and discipline.
We want to own businesses that have the ability to maintain or improve their return on capital employed. To help us gauge this, we put an emphasis on the future rather than on the past, using, for example, our proprietary forecasting model for company free cash flow. A key element of our investment approach is being confident that a business model can maintain these characteristics, and that a company can improve future cash returns. They exhibit a common feature of a promising ability to generate future cash flows which are not properly valued by the market.
While we seek to invest in companies that can generate cash and a high return on capital, we also want value. Therefore, we buy companies at a discount to a conservative estimate of their intrinsic value, which limits potential downside in any investment we make. Unlike many of our peers, this means we establish an absolute price target, rather than a relative reference point to judge a stock's value.
It's an approach that requires conviction, patience and discipline.
What is more, we build portfolios one company at a time and base decisions on our own research; the benchmark is not the starting point. Accordingly, we seek opportunities across the entire market capitalisation range. We can hold up to 20 per cent of our portfolio in stocks of companies with a market capitalisation of below EUR2.5 billion.
There are at least 2,000 stocks in the European equity universe we cover. But our portfolio construction process is unconstrained by the benchmark and we invest only in our highest conviction ideas, building a concentrated portfolio of approximately 40 holdings.
The active share of the portfolio is well above 80 per cent while our low portfolio turnover of around 30 per cent is further evidence of the conviction we have in our investments.
All of this is designed to create a portfolio that is well placed to deliver consistent long-term returns and outperform our peers over the long run.
Important legal information
This marketing document is issued by Pictet Asset Management. It is neither directed to, nor intended for distribution or use by any person or entity who is a citizen or resident of, or domiciled or located in, any locality, state, country or jurisdiction where such distribution, publication, availability or use would be contrary to law or regulation. Only the latest version of the fund's prospectus, the KIID (Key Investor Information Document), regulations, annual and semi-annual reports may be relied upon as the basis for investment decisions. These documents are available on assetmanagement.pictet.
This document is used for informational purposes only and does not constitute, on Pictet Asset Management part, an offer to buy or sell solicitation or investment advice. It has been established on the basis of data, projections, forecasts, anticipations and hypothesis which are subjective. Its analysis and conclusions are the expression of an opinion, based on available data at a specific date. The effective evolution of the economic variables and values of the financial markets could be significantly different from the indications communicated in this document.
Information, opinions and estimates contained in this document reflect a judgment at the original date of publication and are subject to change without notice. Pictet Asset Management has not taken any steps to ensure that the securities referred to in this document are suitable for any particular investor and this document is not to be relied upon in substitution for the exercise of independent judgment. Tax treatment depends on the individual circumstances of each investor and may be subject to change in the future. Before making any investment decision, investors are recommended to ascertain if this investment is suitable for them in light of their financial knowledge and experience, investment goals and financial situation, or to obtain specific advice from an industry professional.
The value and income of any of the securities or financial instruments mentioned in this document may fall as well as rise and, as a consequence, investors may receive back less than originally invested. Risk factors are listed in the fund's prospectus and are not intended to be reproduced in full in this document.
Past performance is not a guarantee or a reliable indicator of future performance. Performance data does not include the commissions and fees charged at the time of subscribing for or redeeming shares. This marketing material is not intended to be a substitute for the fund's full documentation or for any information which investors should obtain from their financial intermediaries acting in relation to their investment in the fund or funds mentioned in this document.
EU countries: the relevant entity is Pictet Asset Management (Europe) S.A., 15, avenue J. F. Kennedy, L-1855 Luxembourg
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Hong Kong: this material has not been reviewed by the Securities and Futures Commission or any other regulatory authority. The issuer of this material is Pictet Asset Management (Hong Kong) Limited.
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Pictet Asset Management Inc. (Pictet AM Inc) is responsible for effecting solicitation in North America to promote the portfolio management services of Pictet Asset Management Limited (Pictet AM Ltd) and Pictet Asset Management SA (Pictet AM SA).
In Canada Pictet AM Inc. is registered as Portfolio Manager authorised to conduct marketing activities on behalf of Pictet AM Ltd and Pictet AM SA. In the USA, Pictet AM Inc. is registered as an SEC Investment Adviser and its activities are conducted in full compliance with the SEC rules applicable to the marketing of affiliate entities as prescribed in the Adviser Act of 1940 ref. 17CFR275.206(4)-3.


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We've talked about Minority Report before, and how people like John Underkoffler are making the film's trademark gesture-control interface a reality. Well Underkoffler's own G-Speak might get overtaken in the race to build the first marketable hand-waving UI, as other engineers are building their own Minority Report UI's from hacked Microsoft Kinects.
This particular effort is a collaboration between MIT's Computer Science and Artificial Intelligence Laboratory (CSAIL), using robotics lab Willow Garage's open-source operating system, ROS. Unlike G-Speak, this Minority Kinect doesn't need gloves, since it recognizes gestures from its ROS' Point Cloud Library (PCL).
[source: MIT CSAIL and Willow Garage via Sherweb and Singularity Hub]


text: Let me level with you…There IS NO survival guide to surviving Art Center. Maybe this blog will help, but these are my personal experiences and everyone's experience is different. So the only sincere advice I can offer you is this: Work hard, be kind and stay humble. That's what every instructor told me, and that's exactly what I am telling you. "There's no first place asshole award." So put your head down and work, be genuine and professional, and for crissakes, swing for the fucking fences!!! This my be the only time in the pursuit of your career that you can FAIL and not get fired. Good luck!


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I have posted about berry pancakes before and the basic recipe for this one remains the same except for the secret ingredient – fluffy egg whites.
This recipe takes me back a few years when I was visiting friends in Philadelphia, PA. The friend who lived there took us to the Reading Terminal market to get us to try what she claimed were the best pancakes in the world. The booth was called "Dutch Eating Place" and behind the counter were young Amish girls making delectable looking blueberry pancakes. When we got served them, it was with home made butter and real maple syrup. I can say, with my hand on my heart, that they were indeed the best pancakes in the world. I managed to find a picture to share with you.
This recipe is an attempt at mimicking those awesome pancakes. The idea to do so came from a SKYPE conversation with a friend who said her husband would beat egg whites to make them fluffy. The peach reduction was my touch. Hope you try it and like it!
Ingredients (makes 8 pancakes):
2 cups of standard flour
1/2 cup of caster sugar
grated rind of a lemon
2 egss, separated
1 teaspoon vanilla essence
1/2 teaspoon baking powder
For the peach reduction:
Juice of 1 orange
3-4 cloves (add more if you like the taste of cloves)
1 x 400gm tin of peaches, drained and chopped finely
1/2 cup of caster sugar
1. In a small pan, add the orange juice, 1/2 cup of caster sugar, the cloves and chopped peaches and stew on a low flame. Stir every 10 minutes.
2. Add the flour, baking powder, lemon rind and caster sugar to a large mixing bowl and mix well.
3. Melt the butter in the microwave and allow to cool.
4. Add all the buttermilk and mix well to make a smooth thin batter.
5. Lightly beat the egg yolks, add it to the batter and mix well. Add the vanilla essence and mix well.
6. Add the cooled butter and mix well (pictures 6,7 and 8).
7. Whisk the egg whites until they form stiff peaks (pictures 9 & 10).
8. Fold the egg whites into the batter just before making the pancakes (pictures 11 & 12).
9. Use a 1/2 cup measure as this will give you the right amount of batter for a medium sized pancake. Pour the batter in the middle of the pan and move the pan to spread the batter into a wider circle (Pictures 13-16).
10. Sprinkle blueberries around the pancake to suit your love for blueberries. Don't move the pancake until the edges of the pancakes have started turning brown.
11. The first pancake will be a bit pale as the pan is still getting to the right temperature (picture 17). The remaining will be a lovely golden brown (picture 18).
12. Use up all the batter to make pancakes. Stir the peach and clove reduction intermittently.
13. When the last pancake is done, serve with the hot peach reduction.
14. We were too greedy to wait till the end so we ate as we cooked the pancakes.


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Everyone needs helps once in a while, a listening ear, some practical assistance or just somewhere to be you. The Door offers a wide range of services and activities for young people almost all free of charge
" Mentoring is really good - it helps to talk things through and helps me to think "
Meet with a friendly volunteer mentor to talk to about the ups and downs of life. A mentor will help you work through difficult times and situations, will do practical things to help you and fun stuff too. Spending time with you because they want to, not because they are being paid to.
If you would like to be matched with a mentor simply complete and return an application form and a member of the team will be in touch.
" I can say what I want and I don't need to worry "
Meet with a friendly mentor who will support you as you leave care and start to live independently. Spending time with you to help with what can be a daunting stage of life, from budgeting and housing to jobs and housework they will be by your side.
If you would like to be matched with a mentor simply complete and return an application form and a member of the team will be in touch.
Come along to one of The Door's youth clubs to hang out with your friends after school or at the weekend. The majority have free entry and depending on which centre is local to you have a range of activities including table tennis, games consoles, cooking and music.
Visit our Stroud Centre for advice and guidance on your next steps, whether that be further education, apprenticeships or jobs. The Door's team of friendly and professional youthworkers are here to help. Alternatively pop in during your lunch break for a chat and a coffee.
Stepping up to secondary school and becoming a teenager is not always easy. With new surroundings, new friends and new challenges for young people and parents alike. The summer holidays between year 6 and year 7 can be particularly difficult.
Through a programme of 4 bespoke sessions starting in July and finishing in September, the Door Step is designed to bring together young people to share the experience, support each other and build the skills they need for stepping up to secondary school and beyond.
Looking for something to do during the school holidays? Keep an eye out for #TheDoorOnTour activities and trips available at subsidised prices. Trips run from each youth club hub once or twice during half term breaks and once a week during the summer holidays. Make sure to like The Door on Facebook for up to date announcements.


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Lowdown: How long can the funny pair of Owen Wilson and Vince Vaughn manage to rely on relationships established by crashing into weddings?
It's nice to see a comedy that is actually trying to say something meaningful and still manages to remain funny. Wedding Crashers has aspirations towards these noble goals, and in many respects it gets there while in others it fails.
Owen Wilson and Vince Vaughn star as a pair of divorce lawyers with an extremely cynical look at life. Obviously, they know where proper relationships can take you, so they don't want to find themselves handling their own divorce: instead, they are having a hell of a time crashing into weddings using false identities and cover stories to have rather casual relationships with the vulnerable women prey they manage to capture at those weddings.
That is, until finally - in the typical way American films lead you - Wilson falls in love with his prey. And that's where the mess starts, with the pair of casual lovers entangled in a messy romance with two of the daughters of the US government's treasurer (Christopher Walken). They can't go out, they can't tell the truth, they have to compete with others for those girls. With all of those ingredients the gun powder does not need much of a spark to deliver some funny comedy.
It is obvious that behind its comedy related aspirations, the film is also some form of criticism towards the moral decay abundant in these modern times, with people seemingly unable to form proper relationships and choosing instead to have shallow and brief ones that require no commitment but bear no risks. According to the film, this is not enough to satisfy a person, and one day or another truth will hit you in the face; either that, or you'll end up as Will Ferrell, who in a typical "guest appearance" portrays a caricature of a person stuck way too deep in the wedding crashing way of living. However funny, though, Ferrell's character fails to convince, which mirrors the entire film: it's true intentions are unclear, and you don't really know the extent or degree of the moral decay the director is hinting at. Is he only talking about relationships? It's hard for me to accept the director wouldn't aspire for more. Is he aiming higher and tries to make a social statement on the corruption that comes with capitalism and the American way of life? Maybe, but you're left to speculate about that on your own.
It's as if the film doesn't really care what you make of it. It's funny, and that's all that matters. The funny aspects of it do not tend to come directly from the film's core motifs; most of it comes from slapstick style jokes or your typical American movie type "boy fights boy over a girl", comedy style. But that said, and as I already said, the film is quite funny.
Best scene: The scene that first exposes us to the wedding crashing exploitations of the two main characters. It's a rather sweeping and funny scene, taking us from the pre-wedding preparations and up to the post bedtime action results.
Overall: 3 stars for an effective comedy that fails to reach much higher than the laughs it produces.


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(photo http://www.flickr.com/photos/fatguyinalittlecoat/5310405113/ by Justin Cozart)
Imagine you are a young man, raised on a farm in South Dakota, USA. Imagine you are sent to countries you have barely heard of to fight during World War II. You train with guys from states that previously meant nothing more to you than an outline on a map.
You and those guys ship out, and you rely on each other for your lives. Imagine being caught in a battle on a jungle island in the Pacific. Soldiers around you--guys you know--fall dead or injured. You could run to save yourself. Or you could try to help one of your own. What would you do?
My husband's uncle, Howard Johnson, chose to help a fallen comrade, and in doing so, sustained injury himself. His wartime service earned him a Purple Heart, Good Conduct Medal, Bronze Service Arrowhead, and the Philippine Liberation Ribbon.
When Howard's family went through his things after his death this summer, they found and displayed his Army uniform. In the pocket, all these years later, was his ticket home.
Howard went on to work, marry, and enjoy the freedoms he helped earn, as so many veterans have. Across the United States are men and women who served in the Armed Forces with the desire to preserve that freedom and to come home to experience it. On Veteran's Day, November 11, we honor them and remember those who did not come home.
Thank you, Howard Johnson, and all who have served and who are currently serving in the US Armed Forces.
(For more family history and WWII connections, see this blog post.)
If you have a veteran's story you'd like to tell, please leave it in the comments below.


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�Shopping for Scholarships� boost plans for childhood cancer survivors
Joyce and Otto Bytof Endowment Fund provides unique educational funding
Monday, July 22, 2013
This fall 32 high school seniors from the Fox Valley and other parts of
Wisconsin with plans to continue their education will benefit from more $70,000 raised in late June
and $70,000 raised in 2012 for a unique scholarship fund.
Last year, 31 graduates attending
college or technical school shared just over $58,000 in scholarship awards from money raised in 2011.
The common bond for all recipients: they survived childhood cancer.
Funding for the scholarships comes from the annual �Shopping for Scholarships� event held for the fifth time on June 26 at Lawrence University�s Warch Campus Center. It was the result of a collaboration that started in 2007 between the American Cancer Society�s Youth Scholarship Fund and Fox Cities business leader Joyce Bytof, chairman of the board, Coldwell Banker The Real Estate Group, Inc., who is also battling cancer.
Over the past five years, more than $290,000 has been raised through the Joyce and Otto Bytof Endowment Fund to help fund the educational plans for young people whose normal childhood activities were sidetracked by cancer. A preference is given to students from the Fox Cities and Northeast Wisconsin. Community First Credit Union has been a sponsor of �Shopping for Scholarships� from the outset and some CFCU employees serve on committees that help plan, promote, organize and coordinate the event.
One grateful scholarship recipient is Kyle Schneider, 19, of Cecil, who survived a baseball sized cancerous tumor wrapping itself around part of his brain discovered when he was 2. �The scholarship is greatly appreciated and will help my family while I pursue my dream of a graphic arts career,� said Kyle, who is cancer free but still dealing with the after effects of the strong doses of radiation and two years of chemotherapy he endured, including a recent procedure to help with his speech and swallowing. �It�s a true honor to be recognized by this amazing organization.�
Nationwide about 12,000 children are diagnosed with cancer every year, according to the American Cancer Society. But the good news is death rates have dropped significantly and about 80 percent of childhood cancer patients survive.
Still, childhood cancer can also bring a major financial burden to a family and survivors often miss segments of school that reduce their chances of earning any kind of academic or athletic scholarship.
Kristin Klinkner, Midwest division community relations manager, American Cancer Society, said the event was a huge success with 245 in attendance that helped the cause through ticket sales, a raffle, silent and live auctions and more.
�The survival rates for childhood cancer are increasing, which is phenomenal,� said Klinkner. �That does mean that there are more and more students every year who have survived cancer and are now going into college.�
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2020 FCCCU scholarship rules form
Friday, January 24, 2020
Three $1,000 college scholarships offered by area credit unions, applications due March 13
Thursday, January 2, 2020
Nominations Open for Celebrating Volunteers Youth Scholarship
Tuesday, December 24, 2019
Lifting spirits Police Lights of Christmas-style
Sunday, December 15, 2019
Thank you for leading the way in the fight against hunger
Monday, November 25, 2019
Community First Champion Center a 'testament to cooperation'
Friday, November 22, 2019
Police Lights of Christmas 'just unbelievably special'
Tuesday, November 19, 2019
Community First engaged in ringing in the holidays
Thursday, October 31, 2019
Community First volunteers get into Halloween spirit while helping local non-profits
Thursday, October 3, 2019
Help Stock the Shelves to fight hunger in Wisconsin
Friday, August 30, 2019
Fox Jazz Fest celebrates Wisconsin's special connection to jazz
Wednesday, July 24, 2019
Great Cover Up Diaper Drive draws donations from far and wide
Friday, July 19, 2019
Avid anglers love assisting youth on Community First Free Fishing Day
Thursday, July 11, 2019
'Meraki Warriors' Rally for a Reason in Green Bay
Friday, June 28, 2019
Volunteer of the Year, 92, likes break from 'peace and quiet'
Friday, May 24, 2019
Appleton East's Sydney Olmsted top youth volunteer
Thursday, May 23, 2019
Community First-sponsored Celebrate De Pere kicks off busy summer of events
Wednesday, May 15, 2019
Mr. Lucky's Team raises $3,159 through MS Walk
Friday, May 3, 2019
Community First and Sexual Assault Crisis Center chosen for Business Partnership honor
Wednesday, April 24, 2019
Community First members awarded three $1,000 Greater Fox Cities Chapter of Credit Unions scholarships
Tuesday, April 23, 2019
FVTC student grateful for $500 Community First scholarship
Thursday, March 14, 2019
Honoring the Legacy of Community First Founder Maury Dresang
Friday, February 22, 2019
Community First CU teams serve up hope and compassion at Pillars
Wednesday, February 20, 2019
Community First accepting donations to honor New London teenager killed in a tragic car crash
Wednesday, February 6, 2019
Community rallying to help Manawa family after devastating home fire
Tuesday, January 8, 2019
Applications, nominations open for Community First-sponsored scholarships
Wednesday, January 2, 2019
Community First's 'Magic Minute' shopping spree benefits individuals experiencing homelessness
Wednesday, December 5, 2018
Spreading Christmas joy
Wednesday, November 21, 2018
Community First Rudolph Run kicks off holiday event in Neenah
Friday, June 29, 2018
Fund created to help New London member who lost home to fire
Friday, April 27, 2018
Neenah teen driven to help others earns top scholarship
Tuesday, January 10, 2017
Cathie Tierney honored with lifetime recognition for financial literacy efforts
Friday, December 23, 2016
Lights of Christmas initiative making a difference for police, needy individuals, families
Wednesday, September 21, 2016
Community First helps Habitat �Rock the Block�
Wednesday, September 7, 2016
New Bergstrom-Mahler exhibit features neon, plasma sculptures
Friday, May 6, 2016
Gov. Walker visits CFCU�s first school branch
Thursday, April 21, 2016
Teen�s nonprofit Music Mission hits all the right chords
Monday, March 21, 2016
Three FCCCU $1,000 scholarship recipients selected
Sunday, March 20, 2016
Credit Union CEO keeps it personal
Tuesday, January 12, 2016
Community First sponsors two scholarship opportunities for 2016 graduates
Tuesday, December 15, 2015
Brent Jensen honored for SBA business lending
Monday, November 16, 2015
Community First names two new financial advisors
Monday, November 2, 2015
Waupaca chiropractor 2015 RUBY Award winner
Monday, October 19, 2015
Community First breaks ground on new home office/branch
Monday, October 12, 2015
Community First helps its member/owners
Thursday, October 1, 2015
Community First Achieves 7th Straight Top 10 U.S. Credit Union Ranking
Tuesday, September 22, 2015
25th Marathon Weekend a Walk in the Park
Friday, June 5, 2015
Community First hires new financial advisor
Friday, May 15, 2015
Community First CU opening Kimberly branch May 18
Wednesday, May 6, 2015
Fund created to support family in trail shooting tragedy
Wednesday, March 18, 2015
Community First CU announces promotions, new hires
Tuesday, December 30, 2014
Members raise nearly $5,800 during �Santa Cause� event
Monday, September 22, 2014
CFCU grateful for participants, sponsors, volunteers and community support
Tuesday, September 9, 2014
Community First Credit Union completes merger of Oshkosh Central CU
Tuesday, May 27, 2014
CFCU volunteers, Rebuilding Together team up for Paula
Wednesday, May 21, 2014
Memorial Day Services, Parades Honor Fallen Soldiers
Tuesday, March 4, 2014
�Cuisine for a Cause� nets $125,500 for Rebuilding Together Fox Valley
Tuesday, December 31, 2013
CFCU initiatives, member/owner donations make for brighter holidays
Wednesday, November 27, 2013
Giving Thanks/Business Leader Build marks 20 years of Habitat success
Thursday, November 14, 2013
Fox Valley Memory Project: Creating a Dementia-Friendly Community
Thursday, October 31, 2013
Prestigious Fox Cities Chamber awards won by CFCU leaders
Thursday, October 17, 2013
Credit Unions: a socially responsible financial cooperative of member/owners
Monday, September 23, 2013
Community First Fox Cities Marathon a huge success
Monday, August 5, 2013
Online Banking upgrade, mobility features praised
Monday, July 22, 2013
�Shopping for Scholarships� boost plans for childhood cancer survivors
Wednesday, June 19, 2013
Community First receives Corporate Citizen/Leadership award
Thursday, June 6, 2013
Shall We Dance fundraiser buoys key nonprofit agency
Tuesday, May 28, 2013
Operation Broadcast Hope raises over $5,100 for tornado recovery efforts
Monday, May 20, 2013
Great Partners: Over 100 attend CFCU appreciation dinner for student-run branches
Friday, May 17, 2013
CFCU volunteers recognized for Meals on Wheels assistance
Thursday, May 9, 2013
Rebuilding Together Project Day 2013 a resounding success
Tuesday, April 30, 2013
Earn-A-Bike program seeks to lift the homeless, impoverished
Friday, April 19, 2013
Community First CU challenge grant raises over $20,000 for Hatten Stadium project
Tuesday, April 16, 2013
Community First CU recognized for blood drives
Thursday, March 21, 2013
CFCU rolls over FCCU in Bowl For Kids� Sake challenge
Monday, March 11, 2013
Waupaca food pantry benefits from �novel� approach
Friday, March 1, 2013
Community First enjoys �excellent� 2012
Thursday, February 28, 2013
Community First volunteers take the plunge for Special Olympics
Wednesday, February 20, 2013
Community First�s mascot steals the show at Gamblers� Teddy Bear Toss
Thursday, February 14, 2013
Cuisine for a Cause wows
Tuesday, January 22, 2013
Community First installs life-saving devices
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Pilates Instructor (at Markhiya & Waab clinics)
Nationality: Greek
Areas of Specialisation: Roxane is an experienced certified Pilates Instructor who is enthusiastic, motivated and energetic. She teaches in private lessons and group classes, focusing on both rehabilitation and improving athletic performance. She works with clients of all ages and abilities to improve their health, fitness and posture.
Professional Qualifications: Roxane is a fully certified Pilates Instructor by Studio One on the mat and all Pilates equipment, having trained with some of the world's leading teachers in the US. She has a passion for learning and also has additional qualifications in Pilates Rehabilitation, Pilates for Lower Back Pain, Pilates for Scoliosis Patients, Pre-Natal Pilates, Aqua Pilates and Pilates for Kids. Roxane is also a certified Stretching Instructor, Balletoning Instructor, Air fit Instructor and Surfset Instructor.
Previous Experience: Roxane studied as a Classical Ballerina, and was a member of the Greek National Figure Skating Team. She started working as a Pilates Instructor in 2012 after feeling the amazing benefits for her health, fitness, strength, flexibility and posture. She has previously taught in leading private studios in Athens.


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The World Health Organization (WHO) defines the social determinants of health as the conditions in which people are born, grow, live, work and age. These circumstances are shaped by the distribution of money, power and resources at global, national and local levels.
We can think of social determinants of health in terms of Maslow's Hierarchy by which individuals need to have their basic social needs met before continuing on the path to eventual self-management of their health. Basic needs must be met first in order for the individual to feel comfortable moving forward and addressing further issues or concerns. It is the priorities of the individual and not the clinician when addressing the social determinants of health.


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Lesson 6 – Proportion and Perspective – The Portrait
|If you use Instagram post your drawings and tag them with #plpDrawingClass. It will be fun to see everyone's work!
I am following through "The New Drawing on the Right Side of the Brain" by Betty Edwards with the kids. The materials provided here are taken directly from the book and are the actual exercises and selected highlights. I highly recommend reading the book if you are interested in learning to draw.
In Lesson 5 we learned about proportion and perspective and a method of sighting to "see" them where we used our pencil as a guide to see angles and size.
In this lesson we will continue with our study of proportion and perspective but will study the proportions of the human head and learn about drawing portraits.
All of the following material was taken from "The New Drawing on the Right Side of the Brain" by Betty Edwards
Remember the 5 perceptual skills of drawing are:
- Edges (line of contour drawing)
- Spaces (negative spaces)
- Relationships (proportion and perspective)
- Lights and shadows (shading)
- The gestalt (the "thingness" of the thing)
From "The New Drawing on the Right Side of the Brain":
In drawing your profile portrait, you will be using all of the skills you have learned so far:
• How to perceive and draw edges
• How to perceive and draw spaces
• How to perceive and draw relationships
• How to perceive and draw (a bit of) lights and shadows
(a future lesson will cover lights and shadows)
The importance of proportion in portrait drawing
All drawing involves proportion, whether the subject is still life,
landscape, figure drawing, or portrait drawing. Proportion is
important whether an artwork's style is realistic, abstract, or completely
nonobjective (that is, without recognizable forms from the
external world). Realistic drawing in particular depends heavily
on proportional correctness. Therefore, realistic drawing is especially
effective in training the eye to see the thing-as-it-is in its
relational proportions. Individuals whose jobs require close estimations
of size relationships—carpenters, dentists, dressmakers,
carpet-layers, and surgeons—develop great facility in perceiving
proportion. Creative thinkers in all fields benefit from enhanced
awareness of part-to-whole relationships—from seeing both the
trees and the forest.
On believing what you think you see
One of the problems of seeing comes from the brain's ability to
change visual information for the purpose of fitting incoming
information to pre-existing concepts or beliefs. The parts that are
important (that is, provide key information), or the parts that we
decide are larger, or the parts that we think should be larger, we
see as larger than they actually are. Conversely, parts that are
unimportant, or that we decide are smaller, or that we think
should be smaller, we see as being smaller than they actually are.
Let me give you a couple of examples of this perceptual phenomenon.
Figure 9-1 shows a diagrammatic landscape with four
men. The man at the far right appears to be the largest of the four.
But all four figures are exactly the same size. Lay a pencil alongside
first the left-hand man and the right-hand man to measure
and test the validity of that statement. Even after measuring and
proving to yourself that the figures are the same size, however,
you will probably find that the man on the right will still look
larger (Figure 9-2,9-3).
On not believing what you see
One more example: Stand in front of a mirror at about arm's
distance away. How large would you say is the image of your head
in the mirror? About the same size as your head? Using a felt-tip
pen or a crayon, extend your arm and make two marks on the
mirror—one at the top of the reflected image (the outside contour
of your head) and one at the bottom contour of your chin
(Figure 9-5). Step to one side to see how long the image is in
inches. You'll find it's about four and one half to five inches, or
one-half the true size of your head. Yet, when you remove the
marks and look again at yourself in the mirror, it seems that the
image must be life-size! Again, you are seeing what you believe,
not believing what you see.
Drawing closer to reality
Once we have accepted that the brain is changing information
and not telling us that it has done so, some of the problems of
drawing become clearer, and learning to see what is actually "out
there" in the real world becomes very interesting. Note that this
perceptual phenomenon is probably essential to ordinary life. It
reduces the complexity of incoming data and enables us to have
stable concepts. T h e problems start when we try to see what is
really "out there," for purposes of checking reality, solving real
problems, or drawing realistically. To accomplish that, we shall
try to prove in a logical way that certain proportions are what
they are.
The mystery of the chopped-off skull
Most people find it quite difficult to perceive the relative proportions
of the features and the skull.
In this introduction to profile-portrait drawing, I'll concentrate
on two critical relationships that are persistently difficult for
beginning drawing students to correctly perceive: the location of
eye level in relation to the length of the whole head; and the location
of the ear in the profile view. I believe these are two examples
of perceptual errors caused by the brain's propensity to
change visual information to better fit its concepts.
Let me explain. To most people, the eye level line (an imaginary
horizontal line that passes through the inside corners of the
eyes) appears to be about one-third of the way down from the top
of the head. The actual measure is one-half. I think this misperception
occurs because we tend to see that the important visual
information is in the features, not in foreheads and hair areas.
Apparently, the top half of the head seems less compelling than
the features, and therefore is perceived as smaller. This error in
perception results in what I've called the "chopped-off-skull
error," my term for the most common perceptual error made by
beginning drawing students (Figures 9-6,9-7).
I stumbled on this problem one day while teaching a group of
beginning drawing students at the university. They were working
on portrait drawings and one after another had "chopped off" the
skull of the model. I went through my "Can't you see that the eye
level line is halfway between the bottom of the chin and the top
edge of the hair?" queries. The students said, "No. We can't see
that." I asked them to measure the model's head, then their own
heads, and then each others' heads. "Was the measure one to
one?" I asked. "Yes," they said. "Well," I said, "now you can see on
the model's head that the proportional relationship is one to one,
isn't that true?" "No," they said, "we still can't see it." One student
even said, "We'll see it when we can believe it."
This went on for a while until finally the light dawned and I
said, "Are you telling me that you really can't see that relationship?"
"Yes," they said, "we really can't see it." At that point I realized
that brain processes were actually preventing accurate
perception and causing the "chopped-off-skull" error. Once we
all agreed on this phenomenon, the students were able to accept
their sightings of the proportion, and soon the problem was
Now we must put your own brain into a logical box (by showing
it irrefutable evidence) that will help it accept your sightings
of the proportions of the head.
Drawing a blank to see better than ever
1. Draw a "blank," an oval shape used by artists to represent the
human skull in diagrams. The shape is shown in Figure 9-8.
Draw a vertical line through the center of the blank, dividing
the shape in half. This is called the central axis.
2. Next, you will locate the horizontal "eye level line," which
crosses the central axis at a right angle. Use your pencil to
measure on your own head the distance from the inside corner
of your eye to the bottom of your chin. Do this by placing
the eraser end (to protect your eye) at the inside corner of
your eye and marking with your thumb where your chin hits
the pencil, as in Figure 9-9. Now, holding that measurement,
raise the pencil, as in Figure 9-10, and compare the first distance
(eye level to chin) with the distance from your eye level
to the top of your head (feel across from the end of the pencil
to the topmost part of your head). You will find that those two
distances are approximately the same.
3. Repeat the measurement in front of a mirror. Regard the reflection
of your head. Without measuring, visually compare
the bottom half with the top half of your head. Then use your
pencil to repeat the measurement of eye level one more time.
4. If you have newspapers or magazines handy, check this proportion
in photographs of people, or use the photo of English
writer George Orwell, Figure 9-11. Use your pencil to measure.
You will find that:
Eye level to chin equals eye level to the top of the skull.
This is an almost invariant proportion.
5. Check the photographs again. In each head, is the eye level at
about the middle, dividing the whole shape of the head about
in half? Can you clearly see that proportion? If not, turn on
television to a news program and measure heads right on the
television screen by placing your pencil flat on the screen,
measuring first eye level to chin, then eye level to the top
edge of the head. Now, take the pencil away and look again.
Can you see the proportion clearly now?
When you finally believe what you see, you will find that on
nearly every head you observe, the eye level is at about the
halfway mark. The eye level is almost never less than half—that
is, almost never nearer to the top of the skull than to the bottom
of the chin (See Figure 9-12). And if the hair is thick, the top half
of the head—eye level to the topmost edge of the hair—is bigger
than the bottom half.
The "chopped-off skull" creates the masklike effect so often
seen in children's drawings, abstract or expressionistic art, and in
so-called "primitive" or "ethnic" art. This masklike effect of
enlarging the features relative to the skull size, of course, can
have tremendous expressive power, as seen, for example, in works
by Picasso, Matisse, and Modigliani, and great works of other
cultures. The point is that master artists, especially of our own
time and culture, use the device by choice and not by mistake.
Let me demonstrate the effect of misperception.
Irrefutable evidence that the top of the head is
important after all
First, I have drawn the lower part of the faces of two models, one
in profile and one in three-quarter view (see Figure 9-13). Contrary
to what one would expect, most students have few serious
problems in learning to see and draw the features. The problem is
not the features; it's in perceiving the skull that things go wrong.
What I want to demonstrate is how important it is to provide the
full skull for the features—not to cut off the top of the head
because your brain is less interested and makes you see it as
In Figure 9-13 are two sets of three drawings: First, the features
only, without the rest of the skull; second, the identical features
with the cut-off-skull error; and third, the identical features,
this time with the full skull, which complements and supports the
You can see that it's not the features that cause the problem of
wrong proportion; it's the skull. Now turn to Figure 9-14 and see
that Van Gogh in his 1880 drawing of the carpenter apparently
made the "chopped-off skull" error in the carpenter's head. Also,
see the Durer etching in Figure 9-16 in which the artist demonstrates
the effort of diminishing the relative proportion of the
skull to the features. Are you convinced? Is your logical left hemisphere
convinced? Good. You will save yourself innumerable
hours of baffling mistakes in drawing.
Drawing another blank and getting a line on the
Draw another blank now, this time for a profile. The profile blank
is a somewhat different shape—like an oddly shaped egg. This is
because the human skull (Figure 9-17), seen from the side, is a
different shape than the skull seen from the front. It's easier to
draw the blank if you look at the shapes of the negative spaces
around the blank in Figure 9-17. Notice that the negative spaces
are different in each corner.
If it helps you to see, draw in some symbolic shapes for nose,
eye, mouth, and chin, making sure that you have first drawn the
eye level line at the halfway point on the blank.
Placing the ear in a profile portrait
The next measurement is extremely important in helping
you perceive correctly the placement of the ear, which in turn
will help you perceive correctly the width of the head in profile
and prevent chopping off the back of the skull.
On almost every head, the position of the ear doesn't vary
much. On your own face, use your pencil again to measure the
length from the inside corner of your eye to the bottom of your
chin (Figure 9-18). Now, holding that measurement, lay the pencil
horizontally along your eye level line (Figure 9-19) with the
eraser end at the outside corner of your eye. That measurement
coincides with the back of your ear.
Putting that another way, the length from eye level to chin
equals the distance from the back of the eye to the back of the ear.
Make a mark for the ear placement on the eye level line of the
blank, as in Figure 9-20. This proportion may seem a little complex,
but if you will learn the measurement, it will save you from
another stubborn problem in drawing the human head: Most
beginning students draw the ear too close to the features when
drawing a profile. When the ear is placed too close to the features,
the skull is once more chopped off, this time at the back. Again,
the reason for the problem may be that the expanse of cheek and
jaw is uninteresting and boring, and therefore beginning students
fail to perceive the width of the space correctly
You can memorize this important measurement as a saying or
mnemonic, similar to "i" before "e," except after "c." To place the
ear in a profile portrait, memorize this mnemonic: eye level-tochin
equals back-of-the-eye to the back-of-the-ear.
Note that enlarging the features and diminishing the skull
produce strong, expressive, symbolic effects, a device you can
always use later if you wish. Right now, for this "basic training,"
we want you to be able to see things as they really are in their correct
Visualizing is another useful technique for teaching the correct
placement of the ear. Since you now know that two measurements
are equal—from eye level to chin, and from the back of the
eye to the back of the ear—you can visualize an equal-sided
right-angle triangle (an isosceles triangle) connecting these three
points, as shown in the drawing in Figure 9-12, page 170. This is an
easy way to place the ear correctly. The isosceles triangle can be
visualized on the model. See Figure 9-20, page 175.
Practice seeing proportional relationships now by looking at
photographs or drawings of people in the profile view and visualizing
the isosceles triangle, as in Figure 9-12. This technique will
save you from a lot of problems and errors in your profile drawings.
We still need to make two more measurements on the profile
blank. First, holding your pencil horizontally, just under your ear,
slide the pencil forward as in Figure 9-21. You come to the space
between your nose and mouth. This is the level of the bottom of
your ear. Make a mark on the blank.
Again, holding your pencil horizontally just under your ear,
slide the pencil backward this time. You will come to the place
where your skull and neck connect—the place that bends, as in
Figure 9-22. Mark this point on the blank. The point is higher
than you think. In symbolic drawing, the neck is usually placed
below the circle of the head, with the point that bends on the
level of the chin. This will cause problems in your drawing: The
neck will be too narrow. Make sure that you perceive on your
model the correct place where the neck begins at the back of the
Now you will need to practice these perceptions. Look at
people. Practice perceiving faces, observing relationships, seeing
the unique forms of each individual face.
You are ready now to draw a profile portrait. You will be using
all of the skills you have learned so far:
• Focusing on complex edges and negative spaces until you feel
the shift to an alternative state of consciousness, one in which
your right hemisphere leads and your left hemisphere is
quiet. Remember that this process requires an uninterrupted
block of time.
• Estimating angles in relation to the vertical and horizontal
edges of the paper
• Drawing just what you see without trying to identify or attach
verbal labels to forms (you learned the value of this in the
upside-down drawing)
• Drawing just what you see without relying on old stored-andmemorized
symbols from your childhood drawing
• Estimating relationships of sizes—how big is this form compared
to that one?
And finally:
• Perceiving proportions as they really are, without changing
or revising visual information to fit preconceptions about
what parts are important. They are all important, and each
part must be given its full proportion in relation to the other
parts. This requires bypassing the brain's propensity to
change incoming information without "telling" you what it
has done. Your sighting tool—your pencil—will enable you
to "get at" the true proportions.
A warm-up exercise
To illuminate for yourself the connection of edges, spaces, and
relationships in portrait drawing, I suggest that you copy (make a
drawing of) John Singer Sargent's beautiful profile portrait of
Mme. Pierre Gautreau, which Sargent drew in 1883 (Figure 9-23).
You may wish turn it upside down.
For the past forty years or so, most art teachers have not recommended
copying masterworks as an aid to learning to draw.
With the advent of modern art, many art schools rejected traditional
teaching methods and copying master drawings went out
of favor. Now, copying drawings and paintings is coming back
into favor as an effective means of training the eye in art.
I believe that copying great drawings is very instructive for
beginning students. Copying forces one to slow down and really
see what the artist saw. I can practically guarantee that carefully
copying any masterwork of drawing will forever imprint the
image in your memory. Therefore, because copied drawings
become an almost permanent file of memorized images, I recommend
that you copy only the work of major and minor masters of
drawing. We are fortunate these days to have reproductions of
great works readily and inexpensively available.
For how to do an exercise copy of Sargent's profile portrait of
Mme. Pierre Gautreau, also known as "Madame X," please read all
of the instructions before you begin.
What you'll need:
• Your drawing paper
• Your # 2 B writing pencil and # 4 B drawing pencils, sharpened,
and your eraser
• Your plastic Picture Plane
• An hour of uninterrupted time
What you'll do:
These instructions will be appropriate for either right-side-up or
upside-down drawing of the Sargent portrait.
1. As always, in starting a drawing, you will first draw a format.
Center one of the Viewfinders on your drawing paper and use
your pencil to draw around the outside edges. Then, lightly
draw crosshairs on your paper.
2. You will be using your new skills of seeing edges, spaces, and
relationships in this drawing. Since the original is a line drawing,
lights and shadows are not relevant in this exercise.
3. Lay your clear plastic Picture Plane directly on top of the
Sargent and note where the crosshairs fall on the portrait
drawing. You will immediately see how this will help you in
deciding on your Basic Unit and starting your copy of the
drawing. You can check proportional relationships right on
the original drawing and transfer them to your copy.
Ask yourself the following series of questions. (Note that I must
name the features in order to give these verbal instructions, but
when you are drawing, try to clear your mind of words.) Looking
at the Sargent drawing and using the crosshairs as in Figure 9-24,
ask yourself the following:
1. Where is the point where the forehead meets the hairline?
2. Where is the outermost curve of the tip of the nose?
What are the angles of the forehead?
3. What is the negative shape that lies between those two points?
4. If you draw a line between the tip of the nose and the outermost
curve of the chin, what is the angle of that line relative
to vertical (or horizontal)?
5. What is the negative shape defined by that line?
6. Relative to the crosshairs, where is the curve of the front of
the neck?
7. What is the negative space made by the chin and neck?
8., 9., and 10. Check the position of the back of the ear, bend of
the neck, and the slant of the back.
Continue in this fashion, putting the drawing together like a jigsaw
puzzle: Where is the ear? How big is it relative to the profile
you have just drawn? What is the angle of the back of the neck?
What is the shape of the negative space made by the back of the
neck and the hair? And so on. Draw just what you see, nothing
more. Notice how small the eye is relative to the nose, and notice
the size of the mouth relative to the eye. When you have
unlocked the true proportion by sighting, you will be surprised, I
feel quite sure. In fact, if you lay one finger over the features in
Sargent's drawing, you will see what a small proportion of the
whole form is occupied by the main features. This is often quite
surprising to beginning drawing students.


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Code: PRZ-cf88b40
Very stylish with fabulous views, Dolce Vita, as its name would suggest is a very pleasant villa in which to spend your St. Martin vacation. Every attention to detail has been made in the beautiful interior décor: a well designed living space, parquet flooring throughout, a gourmet kitchen , 2 ample bedrooms and lastly one of the finest views over the whole of Orient Bay from the lovely private terrace.
Orient Bay Stylish Villa with Fabulous View - Dolce Vita is one of our St. Martin Luxury Rentals . View Guide to St. Martin Luxury Vacations
Disclaimer: Pins in map may not be accurate if Google Maps cannot find the exact address. In this case an approximation is made.
View Destination Guides: Orient Bay, Caribbean


text:
Organic food has been the only option during thousands of years, now with pesticides, herbicides, fungicides, and genetically-modified foods, organic is still the best option. Here are main reasons to eat organic food:
- Avoid chemicals - No pesticides or herbicides
- No GMO´s
- Better nutrition
- Better taste
- Reduce pollution and protect water and soil
- Preserve agricultural diversity
To ensure the access to certified food has been created organicfoodselection, a platform of organic food to connect directly organic farms to consumers with no supermarket chain.
All products of organicfoodselection are certified according with UE organic legislation to ensure the quality of the products.
Visit our site and suggest which organic product would you like and we will connect you directly with producers.


text:
by J. Scott Olmsted -
Tuesday, March 25, 2014
The Humane Society Legislative Fund (HSLF) supports "programs designed to enhance and protect the status of animals" thanks to a handful of generous donors. HSLF is the lobbying arm of the Humane Society of the United States (HSUS), the most rabid anti-hunting organization in the country. According to HSLF's Form 990 tax return, it collected 2012 "contributions and grants" from a mere 28 donors. It collected 50 percent of its entire pool of funds from only two of them.
In column after column on the group's Schedule B (Schedule of Contributors) form, numbers like "$6,500," "$5,000" and "$15,000" pop up as donations. But mixed in among those innocuous numbers are "$590,000" and "$2,000,000." That last one is a whopper. It means a single individual donated $2 million to help HSUS.
On its tax return, HSLF describes its mission is to "pass animal protection laws, educate the public and support humane candidates for office." So who would help such a cause? Deep-pocketed individuals, apparently. The truth is it's hard to say who it is, because HSLF is required to disclose only the amount it received, not any other identifying information.
By the way, I got this tip from the folks at HumaneWatch.org. Check 'em out for more info about HSUS. After all, they're in business to watch HSUS, and as such they're worth watching themselves.
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Mystery of "Lady Bountiful" – Saint, sinner or both?
Lillian Knox, once the prime suspect in the staged suicide of her timber tycoon husband, was back in the news on Jul. 15, 1939 following her arrest in Los Angeles on warrants out of Dallas and Shreveport.
The Big D district attorney announced that the notorious "Lady Bountiful," the nickname bestowed upon Knox by East Texas admirers, would be extradited back to Texas to face seven counts of check forgery. The postal inspector in Shreveport was quick to add that the unlikely fugitive had a date in federal court on charges of mail fraud.
To read more please log in or subscribe to the digital edition http://etypeservices.com/Robertson%20County%20NewsID275/


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Banbury Constituency Labour Party
Sylvia's Conference Blog 2016
Tuesday 27th & Wednesdsay 28th September
Talking with our Youth delegate Joe Walsh, we reflected that Tuesday and Wednesday at conference were both concerning and uplifting at the same time. Yesterday morning, the atmosphere in the Hall was a tad fractious yet it started on a really positive note. For the first time, in 10 years the Party is debt free and sitting on a surplus of £5m, partly down to the growth in membership over the last year and a half. A cause for celebration so who would have thought that a debate on proposed NEC and CLP rule changes could generate so much heat?
On Sunday apparently, the NEC had agreed an assortment of rule changes, few of which showed much relationship from one to another. Yet the Conference Arrangements Committee insisted they be voted for or against on an all or nothing basis. Delegates were upset and speaker after speaker demanded that reference backs on points related to the CAC Report be voted upon individually. I'm no expert on procedure but the Delegates Report issued to all of us clearly states that a 'part of a report' can be referred back to CAC. A CLP amendment to the rules from Sheffield Heeley writing this explicitly into the rule book was agreed by delegates against the recommendation of NEC but clearly won't apply until 2017 Conference.
On the plus side, Conference approved an Annual Womens Conference with a formal role in policymaking in its own right from next year! And after all this, Paul Flynn – a beneficiary of Jeremy's geriatric job creation scheme as he put it – and a great friend of Banbury & Bicester Labour, delivered a short but really inspiring and admonitory speech calling on all of us not to let down the generations who gave us the heritage of socialist advancement after the 2nd World War through self-defeating disunity. On the positive side, I met Sue from Banbury Branch and together we collared Jeremy for a picture for this blog. How could he refuse?
After all that, it was a pleasure to meet up with Veronica Treacher from Henley CLP at one of the fringe events, in the course of which we met actor Paul McGann (Dr Who) who promised us a signed photo each for fund raising purposes. So not a bad end to a mixed bag of a day.
Fortunately, today was uplifting. The mood was positive and we got back to focusing on what we should be doing – fighting the Tories. Great speeches, by Andy Burnham whose work on Hillsborough shows as he pointed out just what protest and real campaigning can do, and from Alf Dubs and Yvette Cooper continuing their commitment to forcing the Tory Government to accommodate refugee children at risk in the Calais camp as they promised.
Thinking about Jeremy's address to Conference, the policy platform is one we can all support – whichever wing of the party we inhabit. Socialism for the 21st Century sounded about right and the enthusiasm of the delegates in the Hall was clear and genuine.
The things that struck me were first that JC is growing into the Leaders role. As a backbencher for so long it's not surprising that the learning curve is steep. This speech was confident and far more assured – winning for a second time seems to have helped in that department. Yes, some of the edges are a bit rough but having met him, I hope he won't become a 'smooth' political professional, the rough edges are what helps him relate to people. And as he said, it's not about him – it is about the party first and foremost. Secondly, he makes it perfectly clear that he is committed to getting the party back into power; he wants us to protest against the impact of Tory policies and campaign against them too – the irrelevant and ill thought out Grammar School proposal being a good example. But the only way to make effective and long lasting change is to win power and implement the policies we're developing – that's what the party came into being to do after all. Finally, and contrary to the accepted wisdom, he is clearly beginning to fancy the role of Prime Minister and as I said yesterday, it seems the media are beginning to contemplate the idea.
Monday 26th September
A big day today – the Labour economic team's presentation to conference. The content has been well trailed and reported by now, although how accurate a representation the media makes of it is anyone's guess. I'll return to it later in this blog but first some impressions of the day from the floor.
The first thing that strikes me is how good the 'stand in' shadow ministerial team actually are – confident, articulate, and in control of their subjects. Starting with the International Team before the Economy debate, Barry Gardiner in particular – not a household name by any means – was a breath of fresh air. And what I took away from this was the depth of ability which may have been hidden from view until now. But it's wrong to pick one out from a team that has obviously taken to responsibility with relish. And I guess that's the point. The shadow ministers who resigned a couple of months ago appear not have been missed by the majority of delegates and members attending. What people are saying is that it is the policies that matter, not the personalities. Today's speakers including Barry, Kate Osamor, Emily Thornberry and Becky Long-Bailey illustrating the point perfectly.
Kate for example, made the point that while we have been helping build hospitals in Yemen through our International Aid budget, the Tory Government has been selling arms to Saudi Arabia who have been using them to bomb the very hospitals we've helped to build. You just couldn't make this nonsense up! On the positive side, Debbie Abrahams made a clear commitment to scrap the Work Capability Assessment.
But I have to mention Len McCluskey's contribution too, Yes, he's been around the block a few times but his Harold Wilson quote was pretty sharp and to the point – 'if Labour is not a moral crusade then we are nothing', power without principles is meaningless! And quoting Shakespeare's Henry V – 'If you do not have the stomach for this fight, depart the battlefield'. Stirring stuff.
And this leads on to the second thing that occurred to me. The level of growing enthusiasm of delegates, not just from this conference alone or simply from Jeremy Corbyn's re-election, though that has helped. Talking to a delegate from another solid Tory heartland – Sutton Coldfield – and comparing experiences at local level for example, it's clear that the Tories are struggling to put people on the ground compared to Labour and in his case, this had resulted in election of a Labour Councillor in his ward for the first time. The ability to deliver more widely and often as a result of increasing membership affords the opportunity to get more involved in finding and tackling local issues.
The third thing which struck me today was that there appears to have been a sea change, or at least the appearance of one, in the media's representation of Labour's chances of winning the next election and the atmosphere around the delegates. Nick Robinson for example, suggested today that it was "time to take the possibility of @jeremycorbyn becoming PM seriously. Too many believing that defeat at hands of PLP or electorate inevitable." While James O'Brien – no Corbyn fan – suggests that its time for media bias against Corbyn to end since he is now the only alternative PM to Theresa May. Winning the leadership election seems to have shifted the debate but beware Greeks bearing gifts as far as the media is concerned.
And to reinforce the point, John McDonnell's speech as well as those of the whole Shadow Treasury Team was full of progressive policies which will find their way into our national campaigning for the next 4 years. From a £10/hour real living wage to a recognition that the rules of the global economy are being rewritten in practice from belief in the unfettered free market to intervention by Governments around the world. The policies he outlined will end up in our manifesto whenever the election is called – as he said, Theresa May has ruled out a quick election but never trust a Tory. But the hall got to its feet when, after recounting the fact that he was born in Liverpool, John referenced John Lennon's song 'Imagine' to set out a vision of a radically transformed Britain and the fact that we no longer had to whisper the word Socialism any more. That's what we are about when all is said and done.
Sunday 25 September 2016
Accosted by Victoria Derbyshire on the way into Conference I was asked what I wanted from the Conference in general and the leadership election in particular. My response – an end to the leadership process at last and a desire that everyone line up behind the leader whoever it was (though hopefully Jeremy Corbyn in my case) – never made the cut. Perhaps my suggestion that the members didn't choose the process but having been given the opportunity to vote, the party should respect the result whatever it was didn't square with the 'angle' she wanted. Who knows? Perhaps the Dutch journalist who asked me the same questions will be more obliging but his copy probably won't reach the UK.
On Saturday morning the results of the leadership election confirmed Jeremy Corbyn as Leader, and at the Womens Conference following the announcement, heart rending and poignant tributes to Jo Cox underlined the fragility of principle in the face of intolerance and bigotry. The relief that the issue of the leadership was settled contrasting with the death of a staunch defender of human rights and the dispossessed, not least when a video about Jo, produced by the Labour Womens Network, reduced many of us to tears.
Over 1500 women were registered on the Womens Conference, and it's amazing to report that on a show of hands, not only were 50% new members but also that they had never been to any such Conference or event before! Remember Banbury and Bicester CLP's request that a bursary in Jo Cox's name be encouraged to encourage and train more women to engage in local and national politics? I am pleased to report that our Leader and the NEC has agreed that such a bursary is now to be established and that this was announced at Conference.
Womens Conference also expressed the fear that all our hard won campaigns to fight for rights of women might disappear following Brexit, the new Tory PM being no supporter of women's rights and had voted against the Equality Act.
Angela Rayner's speech was inspiring. Her mum was one of 12 children and still can't read or write and despite Angela's almost equally tough upbringing, state intervention and the advancement of equal rights, combined with her mum's insistence that she was as good as anyone else helped Angela become an MP and now Shadow Equalities Minister. Bottom line? We shouldn't stop fighting for equal rights.
And then, in the afternoon, a surprising response to Jeremy's leadership success. My husband Chris, a lifelong Liverpool FC supporter witnessed the unfurling of a banner at the Kop end of Anfield during the match against Hull – displayed tonight at the 'Jeremy for PM' stand up show.
The crowd response was fascinating – a standing ovation no less. (At least until Liverpool scored their 3rd goal). Add to that a 5-1 win for Liverpool and that was one happy hubbie.
Today it was down to business. Joe Walsh and I went through the list of contemporary motions for ballot and agreed to vote for CLP motions Brexit, Grammar Schools, Housing and the NHS to be considered by Conference. The main sessions included Ian McNicol's 'state of the Party' speech. He pointed out that back in 2006, the Party had debts of £25m but that by last year, the debts had been repaid and the influx of new members over the last 18 months has helped put the party in its strongest financial position in generations. We are now debt free and in good shape to fight an election whenever it's called.
In the debates on Local Government & Communities and Transport, the detail was less important than the atmosphere. A general desire for the party to unite and get behind both the leadership and the policies being promoted – on Housing, Communities the Environment and Transport, all of which could be supported by all the delegates in the hall – but an underlying fear that this might not happen and a sense of frustration and potential anger with the PLP if it didn't!


text: A Sue Trew Christmas card featuring the lion monument at the historic Gun Hill Signal Station. The design goes around the back to show the signal station on the hill above. Message inside: Season's Greetings and some information about this historic site. Comes with a coloured envelope. Size: 6"w x 4.25"h


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Kohl Marketing, Inc. is proud to join Hoover Color Corporation's Million Pound Club for 2014. Hoover Color Corporation presents the award, annually, for outstanding achievement in sales. In 2014, Kohl achieved sales of more than 1.5 million pounds of Hoover Color Corporation Natural and Synthetic Iron Oxides. As a proud distributor for Hoover Color Corporation products since 1988, Kohl Marketing, Inc. is very pleased to accept this award and we look forward to many more years representing and distributing these fine products.
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text:
Digital Guide to Moth Identification
Crambidae800739.00 – 4764 – Parapoynx allionealis – Watermilfoil Leafcutter Moth – (Walker, 1859)
|Photographs are the copyrighted property of each photographer listed. Contact individual photographers for permission to use for any purpose.
© Nolie Schneider
© Hugh McGuinness
© Lynette Schimming
© Machele White
© Alan Chin-Lee - f.
© Carol Wolf
© Carol Wolf
© Lyn Atherton
© Carol Wolf
LG – © Jim Troubridge
© Jim Vargo
© Jim Vargo
Moth Photographers Group at the Mississippi Entomological Museum at the Mississippi State University
Send suggestions, or submit photographs to Webmaster — Moth Photographers Group
Database design and scripting support provided by Mike Boone


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I am an actress. You might recognize me walking around New York or LA if you have a good memory for faces from B rated movies, or you may not. I am almost well connected enough to be fairly confident that I'll get into the best club in New York on a Thursday night, but not so sure that I can say the same for LA on a Friday night. I used to be escorted everywhere by a small mob of hangers on, but since the mob never included a Moss or a Frost I still thought of myself as on the edges of making it big in this city.
New York Escorts will change all that.
In case you are wondering New York Escorts is a movie cum documentary that I have been working on for over a year now. That was around the time I was approached by the director, who had been approached by a former escort who had been approached by a number of prominent men and even a few prominent women.
New York Escorts is at its heart not some base expose though, but in fact, it is a modern day love story.
I play Karen. I say play, but I guess the more accurate reality is that for the last year I have been Karen.
In fact, when the director had met me in that West New York eaterie, he started referring to me as Karen right away.
By the end of the month I had adopted a lighter shade of blonde hair – the Karen trademark locks, I had made myself so scarce that my fickle hangers ons had moved on to sucking up to another B-lister and I mentally prepared for the most challenging role of my life. To do this I spent hour after hour talking to Karen.
She is 32 now, but when she started out on the escort scene she had been 25. She had been worth a second glance by anyone's standards then. It was only when she had started making more in a month than most people earned in a year though, that she began to exude the kind of powerful grace and magnetism that made men who were masters in every aspect of their life pay small fortunes to be mastered by her.
Some wanted no more than to in her company. Some wanted to marry her, some hated her.
My role, that is to say the role of Karen #2, was to disappear into the world of the New York Escort, to tell the story of Karen #1 and how she feel in love with one of her clients against all odds and also to tell the story of this little know world and it's place in New York's hidden underworld.
I was an actress but not an actress. There was a rough script but most of the scenes in the final movie were real scenes of me spanking and cajoling with husbands, brothers, lovers and special friends of other women. Mostly, they were just in need of a little company from a beautiful woman and mostly it was harmless fun.
New York Escorts I due out soon and I am due, I suppose, some special recognition for this role. Already the word 'award' is being whispered in the offices of the people who make these decisions and already I am attracting a higher class of hanger-on. There are rumours brewing that one or two of the unwilling extras are going to be giving their PRs a few sleepless nights.
In a week or two I might be a face you recognize or I may not, all I know is that I have kept the lighter blonde locks and there are moments when I can't tell where the actress playing a New York escort ends and the actress who is me begins.


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There is a "communications toolkit" for health literacy produced by the University of Michigan Library (with funding from the US National Institutes for Health etc. at http://guides.lib.umich.edu/healthliteracy The page has a number of tabs; when you click on them it brings up the relevant page of links and content. Pages include: How to write readable materials, Screening and Identification (diagnostic tools), Disease-specific resources, Health Provider Training Resources.
Photo by Sheila Webber: Beech mast, blue sky, November 2009


text: The international width that Opticom provides is very valuable for a company like Sobi, as we are working globally, offering products on some 50 markets worldwide. That is when you need a true global player to co-operate with, a local market research company present in just one or two markets have more difficulty providing us what we need" says Charlotte Ungerth, Global Brand Director at Sobi (Swedish Orphan Biovitrum). Continue reading


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University of Texas at Austin
Austin, Texas
CP is the owner and Director of Champion Performance Physical Therapy for the past 17 years. CP grew up in Austin competing in soccer, basketball and volleyball at Westwood High School. She played collegiate soccer and softball at the University of the Incarnate Word in San Antonio and has since been inducted to their hall of fame for her success as an athlete and her exceptional accomplishments in her community since her graduation in 1996. In 2001 she received her Masters in Physical Therapy from Texas State University.
She is currently completing her dissertation on the use of functional performance measures to predict injury in the lower extremity in soccer players. It is based on a comprehensive test battery she designed, and uses in the clinic, as a pre-participation screening tool to assess when a player is ready to return to sport. Her PhD will be in Exercise Science with a specialization in Motor Control from The University of Texas at Austin.
CP has multiple publications including a Special Topics chapter "Functional Measures for Lower Extremity Injuries: A Guide to a Safe Return to Sport" in the Handbook of Orthopaedic Rehabilitation 3rd edition published by local orthopedic surgeon Dr. Brent Brotzman. She was also recently published in the Journal of Sport Rehabilitiation. Her interest in research and education has extended to public speaking engagements focusing on injury prevention and maintenance for associations such as NSCA, ACSM and Camp Gladiator.
CP's experience as a collegiate athlete and her passion for education, people, and movement have created a unique environment at Champion Performance for all those who walk in the door.


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Credit Card Debt Survey Interview with KYW Radio Philadelphia
By Media Relations
CreditCards.com Senior Industry Analyst Matt Schulz spoke on Monday, July 27, 2015, with Sue Monaghan of KYW Radio Philadelphia about the July 2015 Credit Card Debt survey. The interview and transcript are below.
A recent study takes a look at the debt burdens of 25 metro areas, including Philadelphia. It finds the average area resident could pay off their credit card debt in less than a year. KYW's Suzanne Monaghan reports.
Sue Monaghan: CreditCards.com says the Philadelphia area has the nation's seventh lowest credit card debt burden.
Matt Schulz: It would take the average Philadelphian about 11 months and a little over $300 in interest to pay that credit card debt off.
Monaghan: Senior Industry Analyst Matt Schulz says that's based on the area average credit card balance of about $4,700 and making a monthly payment equal to 15% of a person's income.
Schulz: While they have the ninth highest credit card balance among the 25 cities, they have the eighth biggest average earnings.
Monaghan: Schulz adds many credit card companies will give cardholders a lower interest rate if they call and ask. Suzanne Monaghan, KYW NewsRadio.


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On Tuesday morning Ian bumped into Julie at Cyma Tower – the 22 story relict of 1970s modernity that was hell to live in – just as she was leaving. "Are you coming Friday evening?" she asked in her bright and cheerful 'Julie' manner. She was probably the longest serving member of what had become a great team to work with. Her enthusiasm and compassion appeared to be boundless – and was most definitely contagious.
"What's happening on Friday?"
"It's on the invitation. It's a reception at 'The Bull's Head' and most of us are going. You've got to come along."
"You know I don't like things like that. I've got better things to do with my time than stand around exchanging pointless conversation with people as they become more and more childish under the influence of whatever they are drinking". There was an edge to his voice that made Julie mentally back off.
"Fine", she said as she shrugged her shoulders. "Oh, by the way, the lift won't go above the 19th floor. An engineer has been called the notice says. Take care."
With that she went on her way while Ian mentally fumed about the lift. Mrs Peterson had enough difficulty with her claustrophobia in the lift without the added problem of two flights of stairs. With that he mentally straightened his back and got on with his life.
'I'll make her a cup of tea when I get up there,' he thought, 'then we'll look out of the window across the town where she has lived all her life.' That's a big plus for her living up here. She can see for miles and loves talking about her childhood beyond the town centre in the Wellworth area. From this height it appears to have hardly changed but down at ground level it is a real problem area – but there is no reason to upset her memories with modern-day truths.