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Listen to: "What HITRUST Version 8 Means for Your Business"
Any time you can introduce new safety measures into your auditing process, the more you can steel your healthcare-related computing system against data breaches and other dangers. The recently announced general availability of HITRUST Version 8 (v8) adds two new elements that will serve to enhance your business's efforts to maintain confidentiality, security and ready availability of healthcare data.
A HITRUST CSF Refresher Before Learning More About HITRUST Version 8
"The Health Information Trust Alliance (HITRUST) was born out of the belief that information security should be a core pillar of, rather than an obstacle to, the broad adoption of health information systems and exchanges."
In conjunction with fellow healthcare, business, technology and information security leaders, HITRUST established HITRUST CSF, which is a certifiable framework. HITRUST CSF is available to any and all organizations that need to create, store, access or exchange personal health and financial information.
The HITRUST CSF, as an information security framework, takes into account all the existing requirements of regulations and standards with which IT departments must comply. A few of the most prominent standards and regulations include the following:
- HIPAA: The Health Insurance Portability and Accountability Act of 1996, or HIPAA, was enacted "to publicize standards for the electronic exchange, privacy and security of health information." Those covered by HIPAA include health plans, healthcare providers, healthcare clearinghouses, and business associates wherein certain members have access to healthcare records.
- HITECH: Enacted as part of the American Recovery and Reinvestment Act of 2009, the Health Information Technology for Economic and Clinical Health Act (HITECH) was enacted to promote adoption and meaningful regular use of health information technology capabilities for electronic healthcare information transmission.
- PCI: A third-party interest, the Payment Card Industry (PCI) has become intertwined with the healthcare industry as a major form of payment for many patients. Working within HITRUST CSF's framework helps PCI issuers understand how vital their compliance is to ensuring patient security and privacy.
- COBIT: Created in 1996 by ISACA, Control Objectives for Information and Related Technologies, or COBIT, provides a good-practice system framework to promote the best practices in IT management and governance.
By using the HITRUST CSF as a guide and a practical tool, all of these standards and regulations, as well as others from additional governing bodies and their standards and regulations, such as NIST and the FTC, IT professionals can clearly keep every consideration in mind when it is time for certification. HITRUST CSF information can also help with SOC 2 reporting requirementssince they both feature many of the same elements of the Trust Service Principles of Security.
IT Leaders Will Find Even More Benefits with the General Availability of HITRUST Version 8
You might wonder just what expanded requirements HITRUST Version 8 you and your dedicated IT team will face. As always, the updates for HITRUST CSF serve to buffer support for your system so you can better and more easily protect the privacy, security and availability of your healthcare-related data.
The basic updates for HITRUST Version 8 include "a more granular support for cybersecurity, AICPA SOC2 reporting, contextual data de-identification, cloud services, and expanded requirement details."
Updates Involving the American Institute of Certified Public Accountants
This latest HITRUST Version 8 release integrates the American Institute of Certified Public Accountants' (AICPA) mapping of the HITRUST CSF to the AICPA's own Trust Principles and Criteria for security, confidentiality and availability. The closer ties to this auditing principle, closely associated with SOC 2 reporting, will make regulations and standards compliance that much easier for busy healthcare-oriented organizations and busy IT team members.
The De-Identification of Data
The V8 allows for contextual data de-identification when necessary, according to HITRUST De-Identification Framework's assessment protocol. This particular aspect of HITRUST Version 8 improves on the protocols that set out to provide a consistent, managed means of de-identification of data, along with the easy sharing of information and compliance needs among various key entities and stakeholders.
Since no singular approach to de-identification is ideal for all organizations, a set of 12 characteristics—to help assess controls, risks and potential outcomes−helps guide IT professionals when it comes to de-identification. Working within the standards and regulations already so firmly set in the HITRUST CSF, it is easier to objectively and concisely determine the proper characteristics.
The Center for Internet Security Critical Security Controls
HITRUST Version 8 also includes the addition of the Center for Internet Security Critical Security Controls (CIS CSC), along with recent cybersecurity guidance the President's Precision Medicine Initiative (PMI). CIS controls are developed to help all organizations, particularly healthcare-related organizations, in this case, stop the most pervasive and dangerous cyber threats. The combined effort of the leading CIS CSC experts and those guiding HITRUST CSF help close the gap, adding safeguards that healthcare entities need to implement to address in order to stave off extant and emerging digital security threats.
Additional Benefits Associated with HITRUST Version 8
The V8 release also features updates to improve PCI practices, cloud security, and the National Institute of Standards and Technology (NIST) Cybersecurity Framework (CSF).
Finally, the more granular mappings of all the requirement statements help you and your IT team better assess your understanding and compliance to all the critical standards and regulations that serve to protect patients' private data and your organization's standing in their respective industry.
Related article: HITRUST Shared Responsibility™ Program: Understanding CSP Security Control Coverage.
Learn More About HITRUST Version 8 and What It Will Do for Your Organization
I.S. Partners, LLC. stays apprised of all updates to HITRUST CSF and any of the standards and regulations associated with it. If you need help determining what V8 entails and how you and your IT team can keep up, call us at 215-675-1400 to learn more.


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Lisa Kovitz of the Edelman PR firm wrote a blog post the day after the news broke that Robin Williams had committed suicide. In it, she correctly pointed out that negative events like the sad death of a celebrity can create opportunities for "a national dialogue." The blog generated a good deal of negative feedback from people who felt the author was exploiting the actor and comedian's passing to generate new business. The negative feedback then generated some negative media coverage for Edelman. The situation offers important lessons for PR practitioners.
I would first like to say that I agree wholeheartedly with Kovitz's assessment that negative events can create important opportunities in public relations. It's one of the paradoxes of our trade that when people die, get hurt, lose money or otherwise suffer, the needs for information and an exchange of ideas are heightened. The audience is prepared to dialogue and to pay attention like never before. By my definition, any event – positive or negative – that renders a key audience more likely to pay attention to what you have to say and more likely to act on it should be considered a strategic opportunity to communicate.
So why the backlash? I can think of three reasons.
First, the post simply came too soon. By pouncing on story so quickly, Kovitz created the impression that her blog post was not about educating readers but about generating quick sales. As a former agency CEO, I know how competitive the business is but I would not have jumped in so quickly and so publicly. The lessons about negative events creating opportunities for dialogue will endure. Timely and quiet conversations with clients first would have served Edelman better, followed by a blog post when the dust settles a little.
Second, the tone of the article was off at times. Her critics noted that using the expression "carpe diem" in the title and lead paragraph was crass; this was not a time or place for word play. The post also included a little bit of promotional tone: "At Edelman we are in the business of helping our clients create or join national conversations." It's true, but in the early days of mourning, it doesn't work. In addition, many readers who commented on the blog post associated the word "opportunity" with business, sales and money. When I use the term "opportunity" with clients and students in a negative context, I begin with a caveat that apologizes for the choice of words and focuses readers not on sales but on strategy, SWOT analysis and situation analysis. Then again, I often avoid the term and opt for something like "a strategic window" or "important occasion."
The third reason for the backlash is simply that public relations continues to suffer as an occupation. The acronym PR retains its negative connotation for many. Firms that engage in PR draw suspicion, as you can read in many comments to the stories I posted links to. I wish it weren't so but it is; we have work to do on that front.
The lessons here: Tragic events do open strategic windows for communication and dialogue. Timing, however, matters a great deal, especially when strong emotions are involved. Also, words can be interpreted in many ways and should be handled with great care, especially at sensitive times and in public channels.
One response to "Robin Williams and PR Opportunities"
Thanks for sharing your thoughts, Bernie!
This was a great read and an interesting perspective on Edelman's quick response to a celebrity death.

subset: commoncrawl


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Many wildfires in southwest Oregon start as grass fires. They start surprisingly easy -- by a lawnmower blade striking a rock, a pickup truck's exhaust pipe dragging across grass on a dirt road, an electric fence wire snapping against a metal post -- and spread quickly. It doesn't take very much wind or slope for a grass fire to grow from a fire a few yards in size to a wildfire spanning several acres. To keep a grass fire from turning into a destructive wildfire, seconds count. Plan ahead to use those seconds wisely.
The best way to reduce the chance of a grass fire occurring on your property is to cut tall, dry grass before fire season begins. Roadsides and along driveways are common places for vehicle-caused grass fires to start. Pay special attention to places where vehicles may stop and idle, such as around mailboxes, gates and turnouts. Cutting grass around homes and outbuildings, such as workshops and barns, reduce the chance of accidental fires caused by malfunctioning equipment, smokers and children (or adults) with fireworks.
In all cases, keep informed about fire season restrictions imposed by the Oregon Department of Forestry and your local fire district. Cut tall, dry grass early in the summer -- as soon as the grass begins turning brown -- when fire danger levels are either "low" or "moderate." Mowing for non-agricultural purposes is restricted as soon as the fire danger level reaches the "high" mark, and completely disallowed once it hits the "extreme" level. Mowing during restricted or disallowed periods may result in a ticket; if a fire results, the person who caused the fire could be billed for fire suppression costs.
Plan ahead so you know what to do if a fire starts. Have basic fire-fighting equipment close at hand – at least five gallons of water, a fire extinguisher in every vehicle and building, and a shovel. Burlap sacks are also useful; wet them down with water and use the wet sacks to beat down flames. In all cases, have a way to call for help, such as a telephone or a citizen's band radio. Always know your escape routes and check them frequently.
If a fire starts, immediately call 9-1-1 and tell the dispatcher the address of the property on which the fire is burning. If you caused the fire, you have a legal responsibility to try and keep the fire from spreading. Never battle a grass fire by standing between the flames and unburned grass. Grass fires change direction without warning, and even a small grass fire can be deadly. Instead, fight the fire from inside the blackened area that the fire has already burned. Work along the cooler flanks by putting out small flames. Aim water and fire extinguisher streams at the base of the flames, not the tops.
But the best way to fight a grass fire is to prevent it from starting.
Electric fences
A strand of electric fencing tape or wire that is within arcing range of a t-post or metal gate can generate a spark each time the transformer pulses. If tall, dry grass or weeds are within range of the spark, a fire could start and quickly spread. It takes only a breeze or a gentle slope to turn a small grass fire into a swiftly spreading wildfire that could threaten homes, barns and other outbuildings. To keep such fires from starting, trim tall grass wherever electric fencing is strung. Check connections often to ensure arcing isn't occurring anywhere along the fence's path. Position a line tester within easy view of the home and make a habit of checking the flash often. If the tester's flash is weak, or isn't flashing at all, there's a short -- possibly a spark-generating one -- somewhere along the fence line.
Hot exhaust pipes can easily start a grass fire if the vehicle drives over or parks on top of dry grass. Hot particles of carbon from a vehicle's exhaust pipe can also cause a grass fire. Ensure the exhaust systems on farm vehicles are in good condition, and that four-wheelers and motorcycles have spark arresters. Mow commonly used roads and trails prior to fire season. It is important to mow the centerline of a farm road as well as several feet on each side of the road. This will reduce the chance of fires being sparked by hot exhaust pipes and carbon particles.
Take care when using jumper cables to start a car that has a dead battery. Improper use of jumper cables can easily generate a strong spark, sufficient to start a wildfire -- and potentially destroy an incapacitated vehicle.
In all cases, carry a fully charged fire extinguisher in each vehicle and ensure the operator knows how to use it. Carry a shovel should it be necessary to construct fire line, or defend the vehicle, an outbuilding, or yourself against a grassfire. Finally, carry a working cell phone or CB radio in each vehicle so that help can be summoned if necessary.
Machinery used to cut tall, dry grass can cause a fire especially if accumulations of cut grass become lodged beneath the machine. Striking a rock with a whirling blade is all it takes to set off a fire that could destroy the machine and cause a wildfire. Heat and sparks thrown from the machine itself can also cause a fire. A good way to avoid such problems is to perform routine maintenance on the machine. Clear away buildups of cut grass that have become lodged underneath the machine. Sharpen blades and ensure they are not bent or misaligned. Check exhaust pipes for holes. If a spark arrester is supposed to be installed in the exhaust system, ensure the screen is positioned correctly, and is clean and functional. Ensure the fuel system is not leaking, and check the electrical system for frayed wires and poor connections.
As with any other vehicle, make sure there is a fire extinguisher on board, a shovel close at hand, and a means for summoning help.
Get Expert Advice
Every piece of property is different, and each has unique fire-prevention problems to solve. A visit from a local fire prevention professional can answer those questions and provide you with realistic answers that you can use in your fire prevention strategy. Call the Oregon Department of Forestry or your local fire district to schedule a free fire prevention inspection.
Providing fire prevention education in the Rogue Valley since 1976
Friday, June 19, 2015
Prevent Grass Fires
Posted by Brian Ballou at 10:35 AM No comments:
Ten Things to Do Around Your House for Wildfire Safety
- Keep all grass and weeds cut short – no more than 4 inches tall.
- Make sure all gutters are clean.
- Move all firewood or lumber at least 30 feet away from the house.
- Remove all fallen needles and bark mulch within 18 inches of the foundation and replace with gravel.
- Make sure all dead vegetation is removed from landscaping around the house.
- Remove highly combustible vegetation such as junipers that are close to the house.
- Eliminate "ladder fuels" – such as ground-hugging tree branches that can carry flames up to the crowns of trees.
- Remove combustible materials that may be stored under the deck.
- Trim trees to keep branches at least 10 feet from the house and provide open space between trees.
- Cover the house's vent openings with 1/8-inch wire mesh to prevent embers from blowing into (or under) the structure.
Posted by Brian Ballou at 9:01 AM No comments:
Wednesday, June 17, 2015
Plan Ahead and Be Ready for Emergency Evacuation
For more information about evacuation preparedness in Jackson and Josephine counties, see www.rvem.org.
Posted by Brian Ballou at 9:29 AM No comments:
Monday, June 1, 2015
Lightning Tracks Through Josephine County on Sunday
A lively thunderstorm brought dozens of lightning strikes and quite a lot of rain to much of Josephine County on Sunday. So far, no fires have been found on ODF-protected lands. Dispatchers will be monitoring fire detection cameras today, and engine crews will be going to high points in the Grants Pass Unit to watch for smokes.
To view maps of where the lightning struck, see the SWOData website.
To view maps of where the lightning struck, see the SWOData website.
Posted by Brian Ballou at 9:55 AM No comments:
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Equestrian Bridges 5th Annual Mini Derby
Join us once again for the best Kentucky Derby watch party in Northwest Arkansas on Saturday, May 6th from 3-7pm! The 5th Annual Equestrian Bridges Mini Derby is located at the beautiful Parkerman Stables in Fayetteville. This event includes LIVE miniature horse racing, LIVE music by Backroad Anthem, silent auction, food trucks, a bar with our famous mint juleps, kid friendly activities including pony rides and more! We'll also have our annual big hat & bowtie contest, so Kentucky Derby attire is suggested. Come watch the greatest two minutes in sports with Equestrian Bridges, all for a good cause! The Mini Derby is the largest fundraiser benefitting children with autism and the programs of Equestrian Bridges. Children 12 and under get in FREE and each ticket gets you food from a NWA famous food truck, drink and beer!
*must be 21 and older for alcoholic beverages


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Quincy Newspapers standardizes on Volicon Observer for station group
Quincy Newspapers has standardized on the Volicon Observer media logging and monitoring system for its entire station group. By providing around-the-clock recording and monitoring of all off-air content, the Observer is instrumental in Quincy's efforts to maintain quality of service and compliance across all of its stations.
To date, four-channel Volicon Observer systems with 13 months of storage have been implemented at eight Quincy stations, with the remaining five stations expected to come online at a later date. Now station personnel can access the Observer at any time and from any computer in the network via the system's Web browser interface. The archived content provides important validation that the stations are in compliance with FCC regulations such as closed-captioning as well as contracts with performance rights organizations such as BMI and ASCAP.
For more information, visit www.volicon.com.


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In what may be a ruling that will effect how police conduct their raids going forward, a Texas grand jury has refused any charges against a Texas man who shot and killed a deputy executing a no-knock tactical raid on his home.
The raid took place on December 19th of 2013, when the Burleson County SWAT team raided the home of 28-year-old Henry Goedrich Magee.
Magee said he shot Burleson County Sgt. Adam Sowders, 31, because he thought he was an intruder invading his home. At the time he was home with his pregnant wife and children and the jury concluded that they did not have ample evidence that Magee actually knew it was the police breaking into his house.
After all, it's called a no-knock raid for a reason, and anyone in their right mind would try to protect their family when the door was kicked-in in the middle of the night.
"This was a terrible tragedy that a deputy sheriff was killed, but Hank Magee believed that he and his pregnant girlfriend were being robbed," DeGuerin said in an interview Thursday.
"He did what a lot of people would have done […] He defended himself and his girlfriend and his home," said Dick DeGuerin, Magee's lawyer.
The jury agreed, citing a lack of evidence Magee knew the invader was actually a law enforcement officer, they neglected to charge him despite his being a "cop killer."
There may be a case that the police actually did plan on robbing Magee since the reason for the raid was that the deputies believed he had some illegal guns. While they did find some marijuana plants in the home, all of the guns that Magee owned were owned legally, including the one used to defend his home.
Because of the murder charges, Magee was facing life in prison without parole, but after the grand jury's ruling he will soon be reunited with his family. While we are saddened by the death of the deputy and wish his family the best, hopefully this will help change how police conduct their military style no-knock raids on citizen's homes.
Let's face it. Obama is after your guns and he is willing to use executive order to accomplish this task. This free video reveals "3 secret loopholes" to defeat Obama's gun confiscation schemes for good. CLICK HERE. (Sponsored ad)


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Bulls CROSS MOVER SPEED WAVE
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List Price: $4,299.00
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| No Sales Tax - FREE Shipping |
Product Code:
Frame Size:
45cm - Step Frame
50cm - Step Frame
FREE Abus Bordo Bike Lock
Free Bike Lock Accessory:
Technical Specifications:
True mobility for everyone in the Cross and Urban areas.
The Cross Mover Speed is a quick and versatile eTrekking bike with a Bosch Performance Speed drivetrain. An adjustable stem and three frame styles to choose from guarantee you get the right fit. An upright riding position to save that lumbar and give you great visibility on the road, coupled with the Comus healdlights let you ride safe while you keep up with traffic. 180mm Magura hydraulic disc brakes take over at the stoplights.
The new CROSS MOVER SPEED delivers all of the options for an urban ebike at speed: Fenders, rack, pump, lock, and lights. It is equipped with the ultra-efficient Bosch Performance Speed motor and its longest-lasting 500Wh battery so that you can Cruise with confidence, the CROSS MOVER SPEED rides smooth with its 63mm front shock and with 3 different frame styles to choose from (diamond, step-thru, and wave), you are sure to get the ride YOU want up to 28 mph.
Featuring the Following Quality Components
Bosch Performance Speed line thrills city cruisers with a torque of up to 60Nm and powerful assistance up to 300% and to 28mph.
The battery can be removed and charged externally or installed in the bike.
The 10-speed drivetrain with 10-gear cassette has proved to improve efficiency and ultimately power.
This is semi-integrated headset with an inner diameter of 1 1/8" at the top and 1.5" at the bottom. This ensures best riding stability and excellent control head stiffness. The biggest shaft results in stiffer fork and frame as riding forces are spread more evenly thanks to a thicker head tube.
Internally routed shifting and braking cables ensure a clean and elegant look while ensuring a better protection to all important cables.
The travel of front suspension is 63cm
Bulls CROSS MOVER SPEED WAVE
Frame - 7005 Aluminium
Frame Size - 45/50cm
Fork - SR Suntour NEX-E25 HLO 63cmm
Drive Train - Bosch Performance Speed 350W
Rear Derailleur - Shimano Deore SLX RD-M670GS- 10, 10 – speed
Shifters - Shimano Deore SLX SL-M670-10, 10-speed
Crankset - Miranda Classic + SR Suntour 22T
Chain - KMC X10E
Cassette - Shimano Deore CS-HG50, 10-speed, 11-36T
Brakes - Magura MT4e/MT4e, hydraulic disc brakes, 180mm/180mm
Handlebar - BULLS
Stem - BULLS
Seat Post - BULLS
Saddle - Selle Royal Look-in Moderate
Hubs - Formula
Rims - Ryde Taurus
Wheel Size - 700C
Tires - Schwalbe Marathon Plus Smartguard 40-622
Pedals - Wellgo
Weight - 51.26 lbs (approx.)
Battery - Bosch Powerpack 36V/13.4Ah/500Wh
Modes - Off, Eco, Tour, Sport, Turbo
Charging Time - approx. 4.5hrs to 100%
Battery Range - 134 miles (single charge at the optimal condition)
Max. Speed - 28mph
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Rock Solid Father
Fathers can be as solid as a rock. If you want to tell your dad how much you admire him for being so strong in times of trouble, these printable fathers day cards are right for you. This colored postcard is themed with an aqua background and a rock solid mountain. Grab one of these free printable cards now and do not forget to thank your father for being there always. He'll appreciate both the wonderful sentiment and the lovely image on this card.
#Prints: 590
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"Venus" Pastel Maxi Skirt
The "Venus" Maxi Skirt features flowing lightweight fabric in pastel blue with contrasting waistband and pleats. Sheer lower panels flutter with movement and give the impression of floating waves. We recommend pairing with the "Venus" Crop Top to complete this lovely island look.
-100% Viscose
-Partially lined
-Concealed zip
-True to size
Model's Measurements
Height: 5'10" / Waist: 23" / Hips: 34"
Model wears size XS and is styled with Hemant & Nandita "Venus" Crop Top - sold separately.


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*** Beautiful light office space currently available to rent in Dynamix HQ!***
Dynamix has published a number of books, full of activities to make participation fun. If you would like to order a copy of any of our books, please contact us.
We have a training room available for hire for meetings or courses. In addition, our magic storeroom is full of exciting and fun equipment to jazz up any meeting, training session or get together!


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Publish to hundreds or thousands of social media accounts. Perfect if you manage social media for a lot of clients, or a lot of franchise branches . You'll love how Symphony makes this simple and affordable.
Organize your social profiles by client, geography, social network, or any other criteria.
Add your team members and assign the right permissions for their roles. We've also included project management features so you can assign tasks to your team and track their progress.
We handle timezones for you, automatically. We also adjust for daylight saving time changes around the world. So when you schedule a post for 9:00am, it'll go at the right time for your East Coast and West Coast clients.
And if you schedule often, don't let your posts go out at exactly the same time every day and look automated. Enable approximate timing to add a human touch.
Track engagement metrics on Facebook, Twitter, and LinkedIn. In real-time. Both, at the level of individual social profiles, and in aggregate across hundreds of profiles.
Post templates allow you to write a post once and have it be automatically personlized for each social profile. For example, define the Website link for each of your clients and have Symphony put the right link depending on where your post is published.


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Want to make a postcard pen pal? Get your warm, personal correspondence off to a great start by sending a photo postcard designed with Canva.
Transform your pictures into a fun-filled photo postcard
Remember the joy you felt the last time you got a postcard in the mail? Never forget: it is better to give than to receive. Share the love! Give your friends and family their own warm fuzzy feelings by transforming your photographs into a heartfelt photo postcard.
With Canva's easy-to-use tools and customizable layouts, you don't even need to be a computer whiz to remind someone special you're thinking of them. Don't wait another moment, show your loved ones you care by sharing a silly, serious, or splendid photo postcard today!
Create a sweeping photo postcard in less than five minutes
- Open Canva and select the "Postcard" design type.
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Accessorize your photo postcard with our high quality images
Every warm, personal postcard should be chock full of well-loved photos and memories. Choose one of our beautiful layouts and start adding special moments by uploading your own custom photos, then dragging them into the design. You can even edit, crop, and filter your photos right inside Canva, to save you time and plenty of post-processing headaches.
Next you can accent your photo any way you like. Search our vast collection of over 1 million stock photos, images, and design elements to add stamps, sparkles, or groovy sunglasses balanced on your best friend's nose. We have plenty of images you can use for free, and premium images cost only $1. There's no reason not to invest in a well-placed rainbow!
Work together to make an amazing, sentimental postcard
Photo postcards can give your correspondence a personal touch, but there's no reason the whole gang can't get in on the fun! If you'd like to collaborate on your photo postcards with some friends, simply check the box in the "Share" button to allow others to edit your design. Show your friends how to access Canva online, or help them download our free iOS and Android apps from the App Store and Google Play. Soon they'll be editing, tweaking, and, most importantly, adding their own photos, so your postcard can commemorate the good times you spent together.


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Thank you for participating in Boeing's 2018 LIFTOFF for LEARNING!
It's not too late to double your impact by submitting for your Boeing matching gift! Register or log into boeing.yourcause.com -> click Gift Match -> click Find Your Charity -> search for EIN number 45-2443839 and follow the steps! You may contact email@example.com with gift match questions.


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Buying Your Home
How To Buy
Appraisals & Market Value
Are there standard ways to determine how much a home is worth?
Yes. A comparative market analysis and an appraisal are the two most common and reliable ways to determine a home's value.
Your real estate agent can provide a comparative market analysis, an informal estimate of value based on the recent selling price of similar neighborhood properties. Reviewing comparable homes that have sold within the past year along with the listing, or asking, price on current homes for sale should prevent you from overpaying.
A certified appraiser can provide an appraisal of a home. After visiting the home to check such things as the number of rooms, improvements, size and square footage, construction quality, and the condition of the neighborhood, the appraiser then reviews recent comparable sales to determine the estimated value of the home.
Lenders normally require an appraisal – which run between $200 to $300 – before they will approve a mortgage loan. This protects the lender by ensuring the home is worth the money you want to borrow.
You also can check recent sales in public records, through private firms, and on the Internet to help you determine a home's potential worth.
How do you determine how much a home is worth?
The short answer: a home is ultimately worth what is paid for it. Everything else is really an estimate of value. Take, for example, a hot seller's market when demand for housing is high but the inventory of available homes for sale is low. During this time, homes can sell above and beyond the asking price as buyers bid up the price. The fair market value, or worth, is established when "a meeting of the minds" between the buyer and the seller takes place.
What about appraised value and market value?
A certified appraiser who is trained to provide the estimated value of a home determines its appraised value. The appraised value is based on comparable sales, the condition of the property, and several other factors.
Market value is the price the house will bring at a given point in time, once the buyer and seller establish a "meeting of the minds" on price.
What is the difference between list price and sales price?
The list price is a seller's advertised price, or asking price, for a home. It is a rough estimate of what the seller wants to complete a home sale. A seller can price high, low – which does not happen very often – or very close to what they hope to get. A good way to determine if the list price is a fair one is to look at the sales prices of similar homes that have recently sold in the area.
The sales price is the actual amount a home sells for.
Closing Costs
Is it possible to save on closing costs?
Certainly, once you get pass the sticker shock. Closing costs are expensive. They can average between 2 to 3 percent of the total home purchase price. But here are a few ways to save:
Is there anything I should know about closing day?
Yes. The following to-do list can help save you a few headaches and keep the closing on track:
What are closing costs?
Closing, or settlement, costs are expenses over and above the price of the property. Both the buyer and seller incur some of these expenses when transferring ownership of a property. Who actually pays, however, often depends on local custom and what the buyer or seller negotiates. Closing costs normally include title insurance, loan points, escrow or closing day charges, property taxes, and document fees. The lender provides an estimate of closing costs for prospective homebuyers.
Getting Started
How do you decide whether to add on to an existing home or purchase a new one?
There are a few things to consider, including cost, individual needs, and what will add value down the road. Also important: your emotional attachment to the existing home.
How much can I afford?
The general rule of thumb is that you can buy a home that costs about two-and-one-half times your annual salary. A good real estate agent or lender can determine how much you can afford and estimate the maximum monthly payment based on the loan amount, taxes, insurance and other expenses. To find out now how your income, debts, and expenses can affect what you can afford, use the mortgage calculator to figure out how much you may be able to borrow to purchase a home.
Is it best to save for the ultimate dream home or begin with a less expensive starter home?
It can take a long time to save for that perfect dream home. Meanwhile, the market has been flooded with some of the most favorable mortgage interest rates in years. Low rates make housing more affordable, which is why so many buyers have jumped on the home buying bandwagon.
What are the advantages of owning a home?
There are many. Among the most appealing: you own it, which gives you, instead of a landlord, control of your living space. Other benefits stem from potential tax savings and the build up of equity as your property likely appreciates in price over time. Equity can be used to help put children through college, purchase a second home, or make home improvements.
What is the first step to buying a home?
Make sure you are ready – psychologically and financially. Ask yourself the following questions: Do I have steady income? Is my debt lower than my total income? Do I have enough money to pay for the down payment and closing costs? Am I working hard enough to improve bad credit?
Home Inspections
Do I need to be at the inspection?
No, but it is a very good idea to be there. Following the check-over, the home inspector can answer your questions and discuss problem areas with you. This is also an opportune time to get an objective opinion about the home from someone who does not have emotional or financial ties to the property.
How do I select a home inspector?
Begin by only hiring one who is qualified and experienced, someone who belongs to an industry trade group, such as the American Society of Home Inspectors (ASHI). This organization has developed formal inspection guidelines and a professional code of ethics for its members. Also, membership in ASHI is not automatic; members must have demonstrated field experience and technical knowledge about structures and their various systems.
Should I hire a home inspector?
By all means. Buying a home without getting expert advice is risky. Once a home inspector uncovers major plumbing and electrical problems, for example, you may decide you do not want to spend several thousand dollars on repairs.
What does a home inspector do?
A home inspector is a paid professional – often a contractor or an engineer – who checks the safety of a home. Home inspectors search for defects or other problems that could become your worst nightmare later on. They focus particularly on the home's structure, construction, and mechanical systems.
Is private mortgage insurance necessary?
Lenders require private mortgage insurance (PMI) on most conventional loans with less than a 20 percent down payment. They believe there is a correlation between borrower equity and default. They have found that the less money borrowers put down, the more likely they are to default on a loan. PMI guarantees the lender will not lose money if this happens and a foreclosure is necessary.
What about title insurance?
Title insurance protects the lender against unclear title to the property you are buying. It is almost always a requirement for closing on a home. If you desire coverage as well, buy an owner's policy, which will protect you against any title-search errors and losses that arise from disputes over property ownership. The cost of title insurance is usually a set value per thousand of dollars of the total loan amount.
What does homeowners' insurance cover?
It protects against disasters – whether natural, manmade or mechanical. A standard policy insures the home, as well as your possessions. Because this insurance is packaged, it covers liability for any harm, loss, and property damage that you or your family members cause others. And it includes additional living expenses in case you are temporarily displaced because of damage from a fire or other insured disaster.
What is condo and co-op insurance?
This insurance protects your investment and personal belongings from most disasters. As an owner, you will need two insurance policies – your own to cover liability, living expenses, your belongings and structural improvements, and a master policy provided by the condo or co-op board. The master policy covers the common areas that you share with others in the building. It is paid for using the monthly condo fee that you and other owners pay.
What kind of home insurance should I get?
A standard policy will do in most instances. It protects against several natural disasters and catastrophic events. However, it will not guard against earthquakes, floods, war, and nuclear accidents. The policy can be expanded to include these disasters as well as coverage for such things as workers' compensation. In fact, the lender may require that you purchase flood or earthquake insurance if the house is in a flood zone or a region susceptible to earthquakes.
Lease Options
How does a lease option work?
A landlord agrees to give a renter an exclusive option to purchase the property. The option price is usually determined at the outset, but not always, and the agreement states when the purchase should take place – whether, say, six months, or a year or two down the road.
What is a lease option?
It is an agreement between a renter and a landlord in which the renter signs a lease with an option to purchase the property. The option only binds the seller; the tenant has a choice to make a purchase or not.
Negotiating & Closing the Best Deal
Are low-ball offers a good idea?
Any offer can be presented, but a low-ball one that is extremely less than the asking price can dampen a prospective sale and prevent the seller from negotiating at all. Unless the home is overpriced to begin with the offer will probably be rejected.
Can you negotiate interest rates?
A few lenders will negotiate the mortgage rate and number of points on a loan. However, this is more the exception than the rule with established lenders. As always, shop around and know the market before you enter a lender's office. Rates are often published in local newspapers and on Internet Web sites.
Do I need an attorney to buy a home?
A lot depends on the state where the property is located. Some require an attorney; others do not.
Does the seller take the furnishings once the home is sold?
Normally. This is because the fixtures – personal property that is permanently attached to a home, such as built-in bookcases or a furnace – automatically stay with the house unless noted otherwise in the sales contract. Anything that is not nailed down is negotiable, including appliances that are not built in, such as washers and dryers.
Is it possible to buy a home below market price?
Certainly, but do not hold your breath. It takes a lot of determination and time to find a real bargain. But if you are adamant, here are some likely targets to pursue:
What are some negotiating tips?
Know the seller's motivation to sell. This will enhance your negotiating position. Sellers who must move quickly due to a job transfer, divorce, or contract on another home, are more inclined to accept a lower price to speed the process along.
What contingencies should appear in the offer?
When you look to purchase a home, anticipate potential problems. But protect against them so that if something does go wrong, you can cancel the contract without penalty. This is what contingencies allow you to do. They should be included in any offer you present to buy a home.
Property Taxes
Are impound accounts required for all mortgage loans?
They can typically be waived on a conventional loan if the loan amount is 80 percent or less of the purchase price. But the lender might charge you an additional 1/4 point for this option to waive the escrow.
Are property taxes deductible?
Yes. Like the mortgage interest paid on a home loan, property taxes are fully deductible from your income. You may deduct them every year on your primary residence, second home and other investment properties.
Can I contest my property taxes?
Many people do, mainly because determining value can often be tricky. This is especially true in a changing market when local prices either take off dramatically or plunge precipitously, like during the Texas oil bust of the 1980s.
How are individual tax bills figured?
Unlike the income tax and the sales tax you pay, the property tax is not based on how much money you earn or how much you spend. It is based solely on how much the property you own is worth.
What is an impound account?
It is a special bank account held by the lender to collect monthly payments from the borrower to pay property taxes, mortgage insurance, and hazard insurance. These accounts also are called escrow or reserve accounts.
Why do homeowners have to pay property taxes?
Property taxes are assessed by city and county governments to generate the bulk of their operating revenues. The taxes help pay for such public services as schools, libraries, roads, and police protection.
Tax Matters
Are fees and assessments owed a homeowner's association deductible?
Generally not because they are considered personal living expenses. But if an association has a special assessment to make capital improvements, condo owners may be able to add the expense to their cost basis when the property is sold. Another exception may apply if you rent your condo – the monthly condo fee is deductible every year as a rental expense.
Are there tax credits for first-time homebuyers?
Yes, thanks to the many city and county governments that offer Mortgage Credit Certificate (MCC) programs, which allow first-time homebuyers to take advantage of a special federal income tax write-off. The credit reduces the amount of federal taxes paid by the buyer each year, if he keeps the same loan and lives in the same house.
Are up-front fees and closing costs deductible?
Many of the costs paid at closing are not immediately deductible.
How can owning a home pay off at tax time?
A home provides many tax benefits, literally from the time you buy to the time you sell. The mortgage interest paid on a home loan up to $1 million for a primary residence or second home is tax deductible every year, as is the local property tax. Other mortgage costs – including late-payment charges and early-payment penalties – are also deductible.
Working with a Real Estate Agent
Are buyers protected against housing discrimination?
By law, real estate agents may not discriminate on the basis of race, color, religion, sex, disability, familial status, or national origin. They also cannot follow spoken or implied directives from the home seller to discriminate. If you suspect you have been discriminated against, a complaint may be filed with the local Department of Housing and Urban Development (HUD) office nearest you. You may call HUD's toll-free number, 1-800-669-9777, or visit its web site at www.hud.gov/complaints/housediscrim.cfm.
Can I use an agent to purchase a newly built home?
Yes. In fact, some builders pay agents to find prospective buyers. But you also can use a buyer's agent to help negotiate the price and upgrades on a new home. An agent can be particularly valuable directing you to newly built developments that match your needs, as well as helping you select reputable builders who are financially sound and respond promptly to buyers' concerns.
Is there anything I should not tell my agent?
Most definitely! Never reveal the top dollar you are willing to pay for a home. It will severely undercut your chance to negotiate the home price with the seller. While an agent may spend a lot of time showing you homes and sharing information, the reality is that she works for the seller, who ultimately pays each and every agent involved in helping to complete the home sale. The seller pays the agents in the form of a commission, a percentage of the proceeds from the home sale. The exception is hiring your own real estate professional, now commonly known as a buyer's agent or a buyer's broker.
What can I expect from a good real estate agent?
Competence, efficiency, and ethics. According to the All America's Real Estate Book by Carolyn Janik and Ruth Rejnis, good agents take the time to qualify buyers and show properties in their price range. They plan showing routes carefully and have pre-inspected most properties. They have a thorough knowledge of financing options, are up on the latest housing trends, and share with prospective buyers data on the local housing market and home sales.
What does a buyer's agent do?
A buyer's agent represents the buyer exclusively. This means he works to protect your interests in the transaction and helps to negotiate the best purchase price and terms. More information about buyers' agents is available by contacting the National Association of Exclusive Buyer Agents at (609) 799-4382, or log on to www.naeba.org.
What is the best way to find a real estate agent?
Begin by asking someone that you know. Friends, relatives, co-workers, or neighbors who have recently purchased a home can give you a firsthand account and attest to the agent's professional abilities. Sometimes an agent you contact will refer you to another one who works more closely with buyers and sellers in your neighborhood. Once you have a list of names, interview at least three agents and ask questions about their community knowledge, professional experience, and commitment – some agents work full time; others only work at nights and on the weekends.
Why do I need an agent if I can find a home by myself on the Internet?
While more buyers now use the Internet to gain access to listings, or available properties for sale, it is still a good idea to use an agent. The agent brings value to the entire process: he or she is available to analyze data, answer questions, share their professional expertise, and handle all the paperwork and legwork that is involved in the real estate transaction.
Where & What to Buy
Condominiums & Townhomes
Are condos good investments?
They are a good way to enter into homeownership. The high price of single-family homes and the influx into the housing market of more single homebuyers have made condos relatively hot national investments. They have held their value as an investment despite economic downturns and problems with some associations.
How do townhouses differ from condominiums?
While most condominiums are apartments, a townhouse is attached to one or more houses and can run the gamut from duplexes and triplexes to communities with hundreds of homes. Buyers separately own their homes and the land on which the houses sit. With a condominium, the unit owners jointly own the land and this common interest cannot be separated from the others.
How do you choose a good condo?
Seek ownership in a well-maintained building, and pay special attention to the financial health of the condo association. Lax maintenance may be a sign of financial trouble, which could result in higher maintenance fees and problems trying to resale the property later.
What are the pros and cons of owning a townhouse?
On the plus side, exterior maintenance and repairs are minimal; there are no neighbors above or below the home like in an apartment; and because the homes are attached, they may offer a greater sense of security.
What is a condominium?
Condominiums are buildings in which individuals separately own the air space inside the interior walls, floors and ceilings of their unit, but they jointly own an interest in the common areas that they share – such as the land, lobby, hallways, swimming pool, and parking lot.
Why buy a condo?
They are an appealing way to enter the housing market if the cost of a single-family home is out of your reach. Condos are especially popular among single homebuyers, empty nesters, and first-time buyers in high-priced housing markets.
What are co-ops?
Cooperative apartments – known as co-ops – are not really owned by people as real property. Instead, people own shares of stock in the company that owns the building in which they live. But for all practical purposes, the experts say owning a co-op is almost like owning real property. Personal loans to "buy" a co-op apartment are written almost like mortgages. And the IRS treats co-op owners much like real property owners. They can deduct interest paid on their apartment loans and on their portion of the municipal taxes and mortgage interest paid by the corporation.
What are the benefits of having a co-op?
In addition to being able to take advantage of tax deductions, the National Association of Housing Cooperatives (NAHC) says shareholders will find that co-ops have low turnover rates, lower real estate tax assessments, reduced maintenance costs, resident participation and control, and the ability to prevent absentee and investor ownership.
Are special tax breaks available for historic rehabilitation?
Certified historic structures now enjoy a 20 percent investment tax credit for qualified rehabilitation expenses, if they are income producing properties. A historic structure is one listed in the National Register of Historic Places or so designated by an appropriate state or local historic district that is certified by the government. The tax code does not allow deductions for the demolition or significant alteration of a historic structure. For more information, contact the National Trust for Historic Preservation at (202) 588-6000, or visit its web site at www.nationaltrust.org.
Does the federal government offer home improvement programs?
Yes. Among the most popular:
How can I finance work needed on a fixer-upper?
According to the Millennial Housing Commission created by Congress, few lenders are willing to administer home improvement loans. Most prefer to make home equity loans or unsecured consumer loans because they are easier to manage. Home improvement loans usually require inspections and irregular draws on the loan amount as work is completed, which requires regional or national lenders to find local partners to provide oversight.
How do I determine the value of a distressed property?
One of the best ways is to get your hands on a comparable market analyses. See what price similar properties have sold for in the past and find out the listing price of others currently on the market.
Is buying one a good idea in "bad" areas?
It depends. So-called "bad" areas – often described as those that are residentially unstable or poor – have offered an affordable means of homeownership for many – particularly young, first-time buyers and low- to moderate-income families interested in a home they can call their own. Whether it is right for you to buy a fixer-upper will depend on your personal threshold for risk and your level of tolerance. That said, however, many run-down neighborhoods, particularly those close to downtown, are benefiting from a residential resurgence as an influx of newcomers jump-start what were once staid, unsafe, or depressed areas.
What about state and local governments?
Just about every state now offers loans for renovation and rehabilitation at below-market interest rates through its Housing Finance Agency or a similar agency. Call your governor's office to get the name and phone number of the agency in your area.
What guidelines should I use to find a contractor?
Chances are you will need plenty of help making those major repairs and additions. But the last thing you will need is someone who fails to complete the job or botches it up. Finding good, responsible help is imperative.
What kind of return can I expect from home improvements?
This will vary depending on the type of work that is done. Remodeling magazine publishes an annual "Cost vs. Value Report'' that can answer this question in more detail, based on the top 15 home improvements. A recent study it conducted says the highest remodeling paybacks have come from siding and window replacements, major kitchen remodeling, bathroom and family room additions, and mid-range master bedroom suites.
Where can you find fixer-uppers?
They are literally everywhere, even in wealthy enclaves. What sets them apart is price. They have lower market value than other houses in the immediate area because they have either been poorly maintained or abandoned.
How do I find government-repossessed properties?
The Department of Housing and Urban Development (HUD) acquires properties from lenders who foreclose on mortgages that it insures. These properties are then available for sale to potential homeowner-occupants and investors only through a licensed real estate broker. HUD will pay the broker's commission up to 6 percent of the sales price.
What about guidelines for VA foreclosures?
As with HUD, anyone can purchase a VA home. Qualified buyers also can receive the benefit of a VA loan – no money down – even if they are not veterans. If you are interested in purchasing a VA foreclosure, visit its web site, www.va.gov.
What are some of the guidelines for purchasing HUD foreclosures?
If you have the cash or can qualify for a mortgage, you can buy a HUD home. Down payments vary depending on whether the property is eligible for FHA insurance. If so, the down payment can be lower than the 5 to 20 percent required on conventional loans.
What are the disadvantages of buying foreclosures?
Buying directly at a legal foreclosure sale is risky. Among the disadvantages:
What causes a foreclosure?
A lender decides to foreclosure, or repossess, a property when the owner fails to pay the mortgage. Unfortunately, thousands of homes end up in foreclosure every year.
What happens at a trustee sale?
When a homeowner falls behind on three payments, the bank will record a notice of default against the property. When the owner fails to pay up, a trustee sale is held, and the property is sold to the highest bidder. The lender that initiated the foreclosure proceedings will usually set the bid price at the loan amount. Successful bidders receive a trustee's deed as proof of ownership.
Where can I find foreclosure properties?
Look in the legal notices section of your local newspaper. A notice is also usually posted on the property itself and somewhere in the city where the sale will take place.
New Homes & Vacation Homes
Can you negotiate the price of a new home?
In real estate, almost everything is negotiable, so it is certainly worth a try. Now, this does not mean the builder will fall down and roll over. It is very common for builders to claim that their prices are based on fixed construction costs. Perhaps, but timing is everything.
Do builders provide financing?
Many builders offer financing incentives to help move more buyers into a project. In fact, major building companies often have their own mortgage brokerage subsidiaries, while many other builders routinely refer buyers to "preferred" local lenders. If it is a buyer's market in your area, you can be sure developers will offer incentives such as low-down-payment financing or interest rate subsidies.
Should I buy a vacation home?
The second home market has more ebbs and flows than the primary home market. Sales are iffy in a bad economy except, perhaps, on the high-end. That said, there is a growing trend toward the purchase of vacation homes. They are being bought for investment purposes, enjoyment, as well as retirement. In the latter instance, some people are buying with the idea of turning a vacation home into a permanent retirement haven down the road, a move that puts them ahead of the game now.
Should I hire a home inspector for a new home?
You would think not since it is new and the developer has to adhere to local construction guidelines. However, err on the side of caution – always hire an inspector, whether the home is old or new.
What about a vacation home as an investment?
Like any investment, it can be risky. Location and current market conditions are extremely important when deciding whether to buy.
What else should I take into account when buying a new home?
You can find out more about an existing property and neighborhood before you buy than you can a new home in a newly developed community.
Where to Buy
Why is location so important?
Location remains the single most important factor when choosing a home. It can make or break the value and desirability of a home.


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The opportunity of a photo with the two of them both staying still long enough to beat the blur…amazing!
A bright spring day on the jumping castle.
A band-aid! Of course I didn't put it on him because it wouldn't have been allowed but his day care mum can do anything.
The 52 Project is an original idea from Jodi at Practising Simplicity. I loved it and promised myself I too would capture my kidlets each week for the year.
If you are also in on the project reply below with a link to your pic this week so I can check it out.
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College students live in a sometimes-confusing world between childhood and adulthood. On one hand, young adults attending college away from home often live in supervised dormitories as they begin to take on some of the responsibilities of adulthood. On the other hand, those 18-year-olds (and older) are granted nearly all of the same rights and responsibilities of adults.
So when it comes to credit card usage, students often make mistakes that more experienced cardholders are more likely to avoid (or at least to know better than to make). Here are six of the worst mistakes that students make when they start using credit cards.
1. Carrying a Balance
If parents could get their college-age children to follow just one piece of financial advice, it should be to pay their credit card statement balances in full. Students may feel like they can cut their immediate expenses by paying the minimum payment, or perhaps a little more, but interest charges will accumulate very quickly on past and future charges. Unfortunately, many parents will be in a poor position to offer this advice, as about two-thirds of all credit card users carry a balance on at least one of their credit cards each month.
And don't forget that credit card debt can have a major impact on your credit score too. If you want to see how your debt is affecting your credit scores, you can see two of them for free every month on Credit.com, and get some tips on how to build good credit.
2. Missing Payments (or Making Them Late)
Between attending classes, studying, and all of their other activities, college students can be pulled in many different directions. Add to that their group living environment, frequent address changes and an irregular academic calendar, and it is easy to see how students can accidentally fail to make a payment on time.
To avoid costly late fees and penalty interest statements, students can create electronic reminders of their payment due dates and log into their accounts online to view their statements. Fortunately, most card issuers now offer both email and text alerts.
3. Paying Your Tuition With a Credit Card
It used to be that many colleges accepted tuition payments with a credit card, and savvy parents might earn rewards for paying that way. These days, many schools add a substantial processing charge when tuition and fees are paid with a credit card, typically more than the rewards are worth.
Worse, some students attempt to finance their education by charging their tuition and carrying a balance. This is a very risky strategy, as credit cards have much higher interest rates than most student loans. And unlike student loans, interest on a credit card is not tax-deductible.
4. Co-Signing for a Friend
Before the Credit CARD Act of 2009, banks could offer credit cards to students who had no income, with the assumption that their parents would pay their bills. Now, applicants under 21 must show their own ability to pay their bills in order to be approved. In response, some students are asking their friends aged 21 and older to co-sign credit card applications.
When someone co-signs, or makes a friend an authorized user, that person is putting his or her own credit at stake, as the primary account holder will be responsible for paying the bill. Those who make this mistake put not only their finances and their credit scores at risk, but their friendship as well.
5. Not Calling the Card Issuer
Students and other new credit card users can find these products confusing. When they get hit with fees and penalties after the inevitable mistake, the last thing they want to do is call someone at a big company to talk about it. Unfortunately, that would be a mistake as well. Because the credit card industry competes fiercely to attract and retain customers, card issuers can be very generous and understanding when cardholders need help. Students should be encouraged to call to ask for their interest rate to be lowered, their late fees to be forgiven, or just to learn more about their cards and their options.
6. Shirking Credit Cards Entirely
For as much trouble as students can get into when they misuse credit cards, it is almost as big of a mistake to avoid credit cards altogether. Credit cards are not just secure and convenient methods of payment, they are an invaluable way to build one's credit score. Having a credit card account in good standing allows cardholders to begin to build a credit history. After graduation, having a strong credit history will help students when they need to rent an apartment, get a car or home loan and purchase insurance.
More on Credit Cards:
- The Credit.com Credit Card Learning Center
- How to Lower Your Credit Card Interest Rates
- 6 Smart Credit Card Strategies
Image: Wavebreak Media


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Elle Drouin is the founder of The Styled Stock Society and human behind @mochiandthecity. After several years working as the Director of Marketing & Digital Strategy for e-commerce businesses, Elle launched her own business to focus on helping other women build brands that are as profitable as they are pretty. Elle currently runs the Styled Stock Society, a stylish stock photography membership for female entrepreneurs, as well as works as a commercial photographer for beauty and lifestyle brands.
Elle's dog Mochi is a 3-year-old maltipoo model and influencer with over 100,000 followers. Elle and Mochi have been featured on Entrepreneur, Refinery29, the Today Show, and a number of other media outlets. They've collaborated with brands like ABC, American Express, Disney, Google, and The Ritz-Carlton and also use their platform to raise awareness for organizations like the Humane Society and (RED).
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Every now and again I see an article that provides real food for thought. The following is definitely one of those.
For Healthcare, Windows Picks a Bad Time for a Facelift
Scott Mace, for HealthLeaders Media , June 5, 2012
By my calculations, 2013 will be one of the trickiest years in tech since Y2K.
Why? Not because of EHRs, HIEs, or the other technology acronyms so familiar to healthcare executives. The biggest reason is the release of Windows 8, Microsoft's most radical rethink of Windows since Windows 95.
Windows remains the dominant OS in healthcare institutions, as at most organizations. The new interface-lift is expected as early as fall 2012, to be followed by a long period of upgrades and retraining. Gone will be the familiar overlapping windows and pull-down menus so familiar to Windows users since way, way back. (I used Windows 3.0 back in 1990, so I'm a longtime menu puller-downer.)
Replacing this will be the radically new Metro user interface, where applications are tiled but not overlapping, where menus and mouse movements give way largely to gestures and touch-driven commands to make applications maximize, minimize, and do cool stuff.
It's all very inspired by the success of the iPad, itself a radical rethink on the old Macintosh user interface. Apple doesn't officially support the iPad with a mouse, although at the recent American Telemedicine Conference, I saw a variety of iPads paired with third-party keyboards and even a few mice to recreate that PC experience.
Metro still retains the mouse when running on desktops, but it's the "Windows 8" name that will cause healthcare (and many users in general) the most grief. As of last Saturday, purchasers of systems with the current Windows 7 installed are eligible to upgrade to Windows 8 for less than $15.
Generally these upgrades are a headache for all of IT. It's usually better to start with a fresh system. I wish Microsoft would dispense with the whole idea of upgrading from one OS to another. There's a history of bad experiences.
Lots more here:
This change to the user interface is, I suspect going to be a bit messy. This will especially be the case in the transition phase - which will take years at least - and while people find themselves using both. Remember the time it took for move from the green alpha numeric screens to the initial versions of Windows and the Macintosh interfaces with a graphical interface, mouse and so on.
Given the efforts the UK NHS undertook to make sure the older Windows Interface was clinically usable and safe one wonders if any work has been done on the METRO interface.
At first look it does not look all that intuitive. Just how things like cut and paste and drop down menus are handled will be important as well.
As someone said 'Toto, I don't think we are in Kansas anymore!'


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The sad truth of getting someone to do your homework for free is there may not be someone actually willing to do it for you without being compensated. It is a great thought to have when you don't want to do your homework, but in reality you will probably have to pay someone to do it for you, whether its money or with a material item if you are haggling with a friend. Most students that don't like homework will do what is necessary to get someone else to do it for them. This includes hiring homework help.
There are students that automatically assume they can get someone to do their work for free. In most cases this is not true, but you can hire someone to do it for you. There are homework help sites and academic writers that are willing to help you get work done at an honest rate. You don't have to worry about paying high rates. You can get it done fast and you can hire someone from your own computer. Just take some time to compare options available and their rates. Some places will offer you a free quote.
Even though you have to pay to work with a professional writer you can still get quality assistance for your topic. Many students often don't have a clue on where to go or how to get help from a professional. Many try to avoid working with a professional because they think it is too expensive or they think they won't find someone knowledgeable. In most cases you can choose the person you want to work with based on their experience. You really don't have anything to lose unless you decide not to do your homework and hurt your grade.
When you can get someone to do your homework for free consider yourself lucky. There is a large number of students that struggle getting help for their assignments because they don't know who to ask or the type of help that is best for them. You can ask people you know for help such as your instructor, librarian or school counselor. You can get tips from them on how to complete your work.# - best way to finish your homework in time.
© IdeationSciences.com. All rights reserved. My Homework Assignment Is No More A Pain In The Neck.


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Last week's post stirred up quite a bit of conversation and sharing on Facebook. By and large, people loved the flow chart!
The entitlement loop got a couple of questions. Some people ask, "Shouldn't you say yes to others unless you have a really good reason not to dance with them?"
The thinking goes that always saying yes creates an environment of warmth and acceptance. Beginners will feel less nervous. If no one ever suffers rejection, the scene will grow faster. These are admirable goals. I, too, want a warm and inviting dance scene where we suffer less from rejection. I also want the scene to keep growing (otherwise I won't have my dance world takeover).
I have a different way of getting to the same ends, one with fewer unintended side effects. My way is more individually empowering. Rather than changing the whole community, you can change your own personal experience right now by fully understanding:
You are not entitled to dance with anyone.
What Entitlement Sounds Like
"He always turns me down. He's an elitist."
"She won't dance with anyone but her friends. What a bitch."
"People should want to dance with me! I'm fun!"
"He didn't even give me a chance."
Any time you set up an expectation about who others "should" dance with (or should want to dance with), you're creating a sense of entitlement.
What Entitlement Really Means (Spoiler: It's not good)
When you are entitled to something, that means you are owed it. Some things you are entitled to. Life, safety. Social security, if you paid into the system long enough (at least in the U.S). You're entitled to your feelings and your opinions. Things like that.
However, you're not entitled to dance with anyone.
Let's get a handle on what this means. It does not mean it's okay for anyone to insult you, condescend you, or put you down. You don't have to put up with that crap.
It does mean that anyone can turn you down for any reason. Even bad reasons, like your weight, color of skin, or sexual orientation.
That's a really outlandish thing to say, isn't it? Those are some pretty shitty reasons. However, it is every person's individual right to decide who they want to put their hands on them, even when their reasoning is totally stupid and offensive.
Yes, I support the rights of stupid people too!
By the way, I dearly hope you are not turning people down based on weight, skin color, or gayness. You are not going to find yourself very welcome in the dance community. Best get over it.
The "Is It Bad Enough?" Game
If rejection bothers you, most likely you're playing a mental game of trying to figure out the other person's reasoning. Once you "figure it out," you decide whether it's a good reason or a bad reason. If it's a bad enough reason, you lay blame on your rejector for being a bad person.
Let's take an example out of Rebecca's Book of Shame:
One upon a time, I asked a well-known lindy hopper to dance. He said no and gave some lame excuse like, "I'm tired." I thought to myself, "But he was dancing just a minute ago! It's because I'm not a good enough dancer. It's not fair! I can follow anything. He thinks he's above me. What a jerk."
Who was this guy? He is every dancer above my level who ever said no to me in my first few years of dancing. I took his relatively polite "no" and turned him into a stuck-up jerk. (P.S. I'm sorry.)
You see the problem here? I thought I was looking at the "evidence" (he was just dancing a minute ago, and I'm a really good dancer). But really I was just letting my anxiety and embarrassment get the better of me.
Stop judging other people's reasons for rejecting you.
How It Feels On the Other Side
Sometimes an entitled person comes across as indignant (you're an elitist for not dancing with them). Sometimes they come across as fragile and easily hurt (you're a jerk for rejecting someone so tender).
Either way, I'm more likely to reject someone if I sense they feel entitled to dance with me. Why?
Dancing is a gift. When someone turns a gift into a debt that I owe them, that ruins the dance. It stops being a mutual experience, an exchange between two equals. Introducing a sense of entitlement creates a power dynamic most dancers don't enjoy.
Entitlement is also creepy as hell for women. Yeah, we're going to talk about that for a minute.
Here's the deal: Women (like men) are allowed to choose who they date, talk to, and yes—even who they dance with! Women (like men) do not owe anyone a reason for rejecting someone they don't want to spend time with. Wowzers, it's almost as though men and women have the same rights or something.
Men: A lot of your social conditioning is wrong. Read this link and the above link if you don't know what I'm talking about.
"But I still feel bad!"
Yes, rejection feels bad. You dwell on it. You watch other others having fun, wishing it were you. You get angry. You go home and cry.
Let me ask you this: Would you rather be single or be in a crappy relationship? Because it's a pretty crappy dance relationship with a person who says yes when they mean no. They smile their fake smile. They struggle to hide their discomfort. And maybe you don't even notice they're not having fun. Eventually when you do catch on, you feel like a dunce.
Or maybe you blame them for not "trying harder," but we both know that's unfair. Really they just should've said no, right? If you're not going to have fun, then don't dance with me!
How I Handle Rejection Now
Firstly, I ask people who are most likely to say yes: My friends, those I've danced with before, or anyone who will hold my eye contact for a few seconds without looking away.
Secondly, I ignore the negative thoughts that usually pop into my head after rejection. These are like "negative ads." You want to give them as little air time as possible.
Thirdly, I immediately distract myself. I go talk to a friend or find someone else who's always fun to dance with. These are like "positive ads." This way, I don't give myself a chance to dwell on rejection.
The curse of the entitled dancer is this:
A sense of entitlement will get you more rejections. People would rather give gifts than pay debts.
The answer to, "Shouldn't you say yes to others unless you have a really good reason not to dance with them?" is, "If you want to, sure!" If you want to adopt this way of working, go for it. Just remember, it doesn't make you better than others who choose a different way.
Let others make their own decisions about who to dance with, and we'll finally have that warm accepting community we all want.
Check out the whole course! Click here to download No More Dance Rejection (An 8-Part Course).


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Tag Archives for Way Back Home
Kraak & Smaak – "Way Back Home feat. Ivar (Original Mix)"
This week saw the release of Kraak & Smaak's latest dance floor anthem. It's been making appearances in their sets and as remixes, but we finally have the full stream of the original in all it's electronic, funky glory. It harkens … Continue reading
Kraak & Smaak – "Way Back Home feat. Ivar (Fouk Remix)"
The Delicieuse Musique crew has a searing little delivery for your eardrums. It comes in the form of a remix from Netherlands based duo Fouk. The remix is for a saucy new single from everyone's favorite disco funk trio Kraak & Smaak called "Way Back Home" which … Continue reading


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I still remember the moment I started this site.
Ensconced in the little window nook of my Seattle apartment, I typed in www.blogspot.com. Months before, my brother — who always senses long before me what might be interesting on the web — had told me about a service where I could keep my writing online. What a strange concept. All my life I had been writing and typing. (I still prefer the clack-clunk of an old manual typewriter to the soft click-click of a computer keyboard.) However, even when I wrote for hours alone on the computer, I still printed out the finished draft at the end of every day, to see it in its physical form. What would it be like to type and type and then leave it in some ephemeral place, hanging in space? So I had been typing in this strange rush without completion, for months on end, in a mental exercise for myself. I wrote about little moments of enlightenment or funny stories about high school teaching and students who trusted me, just practice. It's all practice. After being diagnosed with celiac, I kept writing there, about food and awakening and farmers' markets. I had been sick, horribly sick, for months, and the doctors couldn't find what was causing my painful fog. I wrote. It was my space. I didn't think anything of it, since it was the daily click-click that kept my mind working through a hard time.
A few weeks after my diagnosis, I found out that one of my students had googled my name, found my personal practice space, and recognized the description of another student. It became a game, several of them huddling over the computer, to read what I had written, and decipher who they found there. They emailed each other — this was back in 2005, before the ubiquity of smartphones, before Snapchat or WhatsApp or whatever is popular right this moment — and sent it to other friends. It wasn't until an administrator of the school called me into his office to say this was happening that I learned of it. Turns out one of the parents complained about the blog because I had not mentioned her son in my writing yet. They thought I was playing favorites. I hadn't written anything scandalous, since I wrote about little moments of vulnerability and awakening. I never wrote a mean thing about a student. It was my private space. This was 2005, when people still believed that something they typed into space was theirs alone.
So at the end of May, a month after I had been diagnosed, I signed into blogspot to copy all that I had written in the previous blog and paste it into a Word document, then delete that original blog. And I typed in the name of a new space, a public space, a place where I knew people could be reading what I wrote. I named it gluten-free girl.
2005 was a long time ago now.
There are kids in middle school who weren't born when I started this site. In 2005, Twitter had not been invented. Facebook was still an amateur application at Harvard. No one posted photos of themselves on Instagram. No one was trying to keep up with the Kardashians. We did not yet live in a culture of incessant chatter, immediate gratification, and the endless parade of what feels like "Look at me! Look at me!" When I began writing this site, I wrote personal essays because it is how I understood my world. It still is. I didn't set out to start a brand or take part in the zeitgeist. I wrote.
I never imagined that thousands and thousands of people I had never met would be reading.
I am so grateful for all of it.
Even when the days are exhausting, and I can't stomach learning another new asinine app that someone has tried to convince me is the key to continued success, I still laugh. How could I not? Who ever knew this could be a career?
I am so grateful for anyone who has been reading. That anyone wants to read my writing still amazes me. And I have been able to meet thousands of you over the course of this more-than-a-decade. Your kindness and gratitude blow me away.
I will never complain.
However, continuing to write gluten-free girl the way it began doesn't feel right now.
Whenever we have a new dish or baked good we want to share, I write little glimpses into our lives, which gently lead to a recipe. When I began writing here, it's the writing I wanted to do. As the audience grew, I felt like I needed to continue. And I'm so grateful that so many of you have cared about what I write, about our goofy story, about our darling children. My goodness, I'm grateful.
But I can't do it anymore.
We love each other and our lives like crazy. But that's the thing — somehow, through this unexpected zig-zag of these last 11 years, I have created a career that requires me to write about my life in little glimpses, in less-than-1200-words-every-Wednesday. Again, I'm so grateful that so many of you care. But it has worn on me, these past few years, that my family and our life has become a bit of a commodity. I'm not comfortable with it anymore.
Besides, this way of publishing here doesn't match what we do.
For the last few years, Dan and I have been struggling with this disjunction. When he and I met in 2006, he brought his decades-long experience as a chef to my little personal writing site. And since then, I wrote and published a food memoir (the recipes are good because of his editing), then we created three cookbooks together. The first one, Gluten-Free Girl and the Chef, was cited by The New York Times as one of the best of the year. The second one, Gluten-Free Girl Everyday, won the prestigious James Beard award. The third, American Classics Reinvented, was honored with a nomination by the International Association of Culinary Professionals.
When we met, I was a high school teacher and he was a chef. Now we are professional recipe developers.
We develop recipes for magazines and websites. We develop recipes for products that will go on grocery store shelves and in bakeries. (Feel free to hire us. We'd love to work with you.) We work on at least 8 recipes a week. And over that time, as we have honed our understanding of how to cook and bake gluten-free, this site is still grounded in how it began.
When I teach baking classes or make appearances, a few people always say, "Oh, how are your wonderful kids?" But after a few minutes, we start talking about the real stuff: hydration, how to make a sourdough starter, which flours to use, how to convert beloved family recipes to be gluten-free, how to deal with relatives at Thanksgiving who denigrate the fact you have to be gluten-free. We talk in grams and the happiness of knowing how to play with food and not be afraid.
(And I'm teaching two gluten-free bread baking classes on Vashon, in November and December.)
That's all I want to write about here. It's what really matters to most of you.
Dan and I know our stuff now. We're always learning. Always learning. But we know our stuff. And this is what we do. Now, we'd rather share the specifics of gluten-free baking and how to make gravy with a gluten-free flour than talk about our lives anymore. We'd rather talk with you than talk about ourselves.
Welcome to the new gluten-free girl.
Starting next Wednesday, you can expect a new kind of site. We're going to be doing gluten-free girl cooking and baking school. I want the work we do here to match the work we do in classes and our professional recipe development work.
We're going to guide you through gluten-free cooking and baking.
Next Wednesday, we're going to start with how to make a gluten-free muffin mix. Now that we have 2 kids, I don't have the time to make a muffin from scratch, playing with 6 or 7 different flours. Hungry kids? Thank goodness I took 30 minutes a few Saturdays ago to make up 10 bags of the dry ingredients, then wrote the rest of the recipe on the label. Even the little guy can help me bake now.
The next week, we'll share our recipe for lemon almond poppyseed muffins, using that mix. I've learned a few tricks about these muffins after baking them a dozen times in the last few weeks.
The week after that, Dan will share everything he has learned about gluten-free gravy, including how to make a gluten-free roux. The next week we'll share a recipe for a specific gravy, using those techniques. Sausage gravy? Or mushroom gravy? Or another? You tell us. We want you involved.
Think about this as a group gluten-free cooking project. Gather ingredients. Order some flour. Let's play together.
Of course, there is so much food to enjoy that is naturally gluten-free. For years, we reveled in radishes and rutabagas, offering recipes here for fascinating foods that are not typical of the American diet. Mostly, we love vegetables. But slowly, over time, I realized that people come to a gluten-free site for foods that use flour. As one woman in her 80s told me in a baking class, "I can make a pot roast by myself. But I have no idea how to make a sponge cake without wheat flour." Fair enough.
This is why we launched Feeding Our People, our recipe subscription service.
If you are a subscriber, we send you an email newsletter with three recipes each week.
The first is a big batch of something a chef might make as part of a restaurant dish: Thai yellow curry sauce, cucumber-cilantro vinaigrette, arugula chimichurri, or a honey vanilla-bean syrup.
And then we share two simpler dishes to use up that interesting batch food. Think roasted winter root vegetables with yellow curry sauce, a quinoa-black bean salad with kale with cucumber-cilantro vinaigrette, roasted tofu with arugula chimichurri, and pears poached with honey vanilla-bean syrup.
This is real food, food meant to make weeknight meals easier.
Every recipe is gluten-free, dairy-free, and refined-sugar-free. We never talk about lack, however. Feeding Our People is a service for people who truly love to cook and talk about cooking.
There's an active Facebook community with live videos, our recommendations for ingredients and other recipes, and great conversations.
We'd love to have you part of Feeding Our People.
We have been working on this transition for awhile, finding the words to say what we want, then testing and practicing and making more and more food. We are ready.
There will be videos in the future. For now, there's our Craftsy gluten-free baking class. There will definitely be new adaptations of old recipes. It's possible that, over time, a lot of the old posts might disappear. There will be a redesign. This will become more of a website — a permanent resource — than a quirky unfolding narrative.
I have a feeling that many of you will be pleased.
Join in. We're doing live videos of each week's recipes on the gluten-free girl Facebook page every Wednesday. We'll have a hashtag for the cooking project of the week, because we want to see what you are making. (I still love Instagram. And I'll still have photos of the kids there occasionally too.) Let's cook and bake together.
Thank you for reading, these past 11 years. Even though we are changing trajectory now — and this site someday might look very different — I am still so grateful.
I never could have imagined any of this the day I started this site in 2005.
P.S. The irony of writing an enormously long personal essay to announce that I'm not really doing that here anymore is not lost on me. I'm still a writer. I need to take my personal writing away from immediate commercial work, however. I've been working on a book of personal essays for the past year. I might even have a new site for my writing, but I won't share it for awhile. I'll let you know soon, if you are interested.


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Welcome to our Clinic
Dr Rubina and her Associates would like to welcome you to our website. With 20 years of experience, Dr Rubina and Associates is one of Islamabad's leading dental practices. Located on the main service road of E-11/3 with a modern state-of-the-art office environment, it offers the complete package of family dental care from pediatric to geriatric oral health, all under one roof.
Our philosophy is
"We are not in a hurry to replace precious natural tooth tissue with man-made materials".
This conservative, minimally invasive approach to dentistry provides the foundation for Integrity and Personalized care making them the cornerstones of our dental practice.
Please come and explore our web site and get to know us. We hope it will completely address your informational needs.
Message from Dr. Rubina
Dear Patient,
When you are selecting a dentist, it is a natural instinct to seek out highly trained and experienced professionals with a reputation of excellence. With 20 years of experience of providing dental care to Islamabad and in the face of the complex nature of today's dentistry, I do not underestimate the expectations of my patients for superior quality dentistry. As the leader of a multi-specialty team of highly qualified dentists providing specialized comprehensive restorative dentistry, my aim is to deliver this superior quality with a minimum number of visits but with the unhurried, personal attention you deserve.
Dental anxiety is a key barrier that prevents most people from visiting a dentist. Here, I am proud to say that we have a long and successful case history of converting dentally anxious patients into regulars. In a relaxed gentle and considerate atmostsphere we provide individualized care where we understand that every person has different needs and wants. We listen, not just hear our patient's concerns and we always explain the dental procedures in a language you understand. The success of our dental procedures is maximized when our patients are on the same page with us at every step.
Naturally, latest techniques, materials and state of the art technology are intrinsic in maintaining the quality of our services. So we never stop improving. Our doctors regularly upgrade their skills by continuous education seminars and workshops and are on the forefront of the latest research and technology.
My training at Harvard University taught me many things but the key message was the value of prevention, prevention and prevention. In my opinion, a simple caries means the beginning of the end of that tooth. How long that journey takes is where we dentists play a role to pull that tooth along for several decades but we are impeded by the shelf life of our man-made restorative materials. So with a dedicated focus on preventive dentistry, we take a personal responsibility to ensure all our patients are recalled timely for follow up annual visits.
Lastly but most importantly, is my promise of a factual and candid service. What does that mean? A patient comes to the dentist with the belief that he/she shall be advised honestly, and no commercial considerations shall motivate the dentist's advice. I and my team observe this ethic in absolute, avoid any unnecessary dental procedures and never promise more that we can deliver.


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MARJAN KEBOB HOUSE – Persian Grill is a quality dine–in restaurant which produces appetizing, healthy, high quality Persian dishes. It is located in lower Westchester, only 28 minutes from midtown Manhattan and minutes away from the Connecticut border along U.S. Route 1.
Persian cuisine is a relative delicacy in Westchester if not, the whole New York Metropolitan Statistical Area. As one of only two Persian restaurants in Westchester, MARJAN KEBOB HOUSE is positioned to provide a unique and special service to both Persians in the New York metro area and non-Persians in the area interested in culturally diverse healthy and tasty food.
Persian cuisine offers the ideal mix of protein, carbohydrates, and vegetables that are necessary for good health. The portions typically served are more than enough to satisfy a person's appetite. Quality is a top priority. Many of the dishes use little, if any, cheese, butter/oil, salt or spices. The grilled food is low in sodium, fat and sugar. It is prepared with non-artificial, organic and wholesome products.
Our restaurant is available for private events: weddings, business lunches, dinners, cocktail receptions, and more. We would love to discuss how to be a part of your next event.
We refuse to compromise on quality in our restaurant. That's why we source our fresh ingredients from local farmers' markets.
Copyright © 2018 MARJANKEBOBHOUSE - PERSIAN GRILL - All Rights Reserved.
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In order to become happy and successful you have to answer the following questions.
- Who are you?
- Where are you going?
- With whom are you going?
- Where this will take you?
Keep asking these questions yourself periodically and remember that success is a state of mind not the destination.


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DFS pitchers for May 7
We're diving into the Daily Fantasy Sports (DFS) craze and will be bringing you the two pitchers we're using in Draft Kings with other possibilities as well.
Anthony DeSclafani: The Reds righty is off to a great start at 2-2 with a 2.03 ERA yet still costs just $6,800 at the Pirates, whose stud Andrew McCutchen is struggling badly. Using DeSclafani allowed us to use studs like Paul Goldschmidt and A.J. Pollock at home against road-struggler Odrisamer Despaigne.
Chris Archer: The Rays flame-thrower is our ace pick of the day, costing $9,400 at home against the light-hitting Rangers. Archer takes a 3-3 record with a 1.64 ERA into the matchup against Nick Martinez, who is due for a bad start since he's not gonna maintain a 0.84 ERA all year.
We also like Carlos Frias as a bargain as the Dodgers fire-baller is the cheapest pitcher of the day at $4,700 at Milwaukee. We're also using Edinson Volquez for $6,700 against the Indians and winless Corey Kluber.