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As I'm sure you are all aware by now, I love red toned lipsticks. I just love lipsticks in general to be perfectly honest with you, but at this time of year I love being able to wear a striking, dark lip. Today, I thought that I would share with you 5 lip choices that I have been loving to wear this Autumn.
(Disclaimer: Apologies in advance for the similar undertones...)
M.A.C Velvet Teddy
I couldn't do a Autumn lip picks post without featuring the iconic Velvet Teddy. This is a matte brown-toned nude. I actually find this lipstick to be one of the most moisturising matte lipsticks that I have tried, yet I always do but some lip balm on before applying any lipstick.
I have been wearing this non-stop recently, and it's definitely becoming one of my all-time-favourite lipsticks!
No7 Moisture Drench in 75 Sugar Plum
I have had this lipstick for years and every Autumn, I always come back to it! I absolutely love this lipstick for this time of year as it's so comfortable to wear due to its creamy, moisturising consistency, yet it adds an instant pop of colour to my lips. This shade is a red-toned brown. Despite this lipstick being very moisturising, it actually stays on my lips all day long and I don't find myself having to reapply it at all! I also find this lipstick to be very pigmented.
Topshop Lips in Inhibition
Every time I have worn this lipstick this Autumn, without fail somebody has commented on how lovely the colour is and how much it suits me! I love wearing this lipstick as I automatically feel very autumnal and put together.
The lipstick is a striking dark berry shade, which appears quite like a purple shade on the lips. It applies very easily and smoothly with a matte finish. This colour is extremely pigmented, so I have to use a lip liner (Topshop lip liner in 'Deception') with this, to avoid it leaking and somewhat staining around my lips!
I have also featured this in my Top 5 Drugstore Lipsticks post (read here)
No7 Moisture Drench in Mulberry
This is my 'go-to', easy to wear lipstick for this time of year. This goes with most makeup looks and sits on my lips really nicely, due to the moisturising formula. This lipstick gives a satin finish to the lips whilst also having SPF 15, which is an added bonus! Like the other No7 Moisture Drench lipstick featured, this lipstick stays on my lips all day.
NYX Lingerie Liquid Lipstick in Exotic
I love wearing this liquid lipstick for a night out, or days when I want my lipstick to stay on all day. This isn't drying at all yet it stays on my lips really nicely, without creasing. This shade Exotic is a warm, mahogany red.
(read review on NYX Lingerie Liquid Lipstick in Bedtime Flirt here)
|Swatches from left to right:
No7 Moisture Drench in 75 Sugar plum, MAC Velvet Teddy, No7 Moisture Drench in Mulberry, Topshop Lips in Inhibition and NYX Lingerie Liquid Lipstick in Exotic
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If you liked this post, you might like Top 5 Drugstore Lipsticks and NYX Lingerie Liquid Lipstick in Bedtime Flirt


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Kennewick Man Redux?
Medical journals are usually thought of as being dry-as-dust, but read in the right spirit they are often able to provoke that most pleasant, reliable, and durable of emotions, righteous indignation.
For example, the New England Journal of Medicine dated July 15 had an article with the title "The Havasupai Indian Tribe Case -- Lessons for Research Involving Stored Biologic Samples." (It's online, but a subscription is required.) It was by Michelle M. Mello, of the Harvard Department of Health Policy and Management, and Leslie E. Wolf, of the Georgia State College of Law.
It made me cross.
Forty-one Havasupai Indians sued Arizona State University for alleged misuse of blood samples taken from members of the tribe. They claimed $50 million in damages for (inter alia) fraud, breach of fiduciary duty, negligence, and trespass. They settled -- out of court -- for $700,000.
The blood samples were taken for a study on diabetes, but consent was gained for a study of "the causes of behavioral/medical disorders." The plaintiffs objected particularly that the anonymised blood samples were used to study i) inbreeding, ii) genetic correlates or causes of schizophrenia, and iii) population genetics.
Who, if anyone, was harmed by this? Let us take only the third objection as an example. The results of the study of population genetics suggested that the tribe had migrated across the Bering Sea, contrary to its own "origin story."
Was not the claim of harm by the plaintiffs in this respect grossly dishonest? The idea that Amerindians have an Asian origin is an old one by now, with much evidence in its favor. So if the tribe's origin myth were susceptible to destruction by evidence and rational argument, it would have been so destroyed a long time ago. If, on the other hand, myth and science belong to two different realms of thought, then the myth could not have been affected by the study of population genetics, whatever its outcome. Palaeontology, archaeology, and anthropology can refute only the literalist interpretation of the story of the Fall.

subset: commoncrawl


text:
Universal Components have a variety of Commercial Vehicle (CV) parts available including steering links spares and accessories. With over 2000 products available from stock, each steering links product can be collected or on our overnight delivery service. If you can't find the steering links or steering links parts, spares and accessories you need, simple contact us directly.
Our sales team will source your steering links requirements without delay, and get back to you with a price as soon as possible. Alternatively, select from our best-selling steering links parts below.


text:
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He loved her, of course, but better than that, he chose her, day after day, Choice: that was the thing.
Sherman Alexie
Image found here
He loved her, of course, but better than that, he chose her, day after day, Choice: that was the thing.
Sherman Alexie
Image found here
Set your life on fire. Seek those who fan your flame
― Rumi
"I'd cut my soul into a million different pieces just to form a constellation to light your way home. I'd write love poems to the parts of yourself you can't stand. I'd stand in the shadows of your heart and tell you I'm not afraid of your dark."
~ Andrea Gibson
"I give myself to you:
My hunger, yours; my body, yours to consume;
my lips, my mouth, my teeth, yours to put where you want them;
my hair, my flesh, yours to cut, to tie, to pull, to enter;
my every thought, yours to turn into words, yours to ink on your skin;
yours… the length of me is yours to do with
as you
"You want a love that consumes you.
You want passion and adventure
and even a little danger."
Damon Salvatore
You are
My rainbow skillfully painted above the sky,
Making me glance and leave a sweetest smile,
Making me walk with hope even a hundred miles,
To follow you where your mystery lies,
And spend with you and believe love never dies.
In this life, where rains and storms are downfalls,
I will be here for you even the bridges crumbles,
In this life, when my dreams are shattering,
You are here for me, making my life worth living.
I am
Your sunshine after every morning rain,
Caressing you with love and ease your pain, o
Touching every colors with love and grace,
Until my everlasting warmth brings you peace.
In this life, when days makes you blue and weary,
I will be your sunshine to brighten up your day,
In this life, when joys and pain makes me cry,
You will be my rainbow until the day I die.
I will always be the sunshine of your life,
You will always be the rainbow in my heart.
wild heart slippery creature.
Of course I know better than to let my foolish little heart near you
But I've never been a good master
Letting it ride out on my sleeve
And now it's run away.
To be fair, you did leave your door cracked.
And in this cold world,
Who can blame my heart for seeking the warmth of your hearth?
So it stays.
Perhaps you know it is there
And so you keep the fire stoked
That is what I like to think when I worry and wonder:
How I could have been so careless to let it get away?
For you are not like me
You keep your heart safe
Fiercely guarded.
I like to think that one brave day
When I tell you about my stowaway heart
You will say I know,
It has been keeping my own lonely heart company.
A soothing thought.
But if instead you put it back out into the dark night,
I won't blame you
You can't be expected to keep watch of a wild little heart not your own.
Maybe I will learn to be more careful with my heart the next time 'round.
"Because love, love never finishes."
"We fell in love, despite our differences, and once we did, something rare and beautiful was created. For me, love like that has only happened once, and that's why every minute we spent together has been seared in my memory. I'll never forget a single moment of it."
"I admit,
I was afraid
to love.
Not just love,
but to love her.
For she was a stunning
mystery. She carried things
deep inside her that no one
has yet to understand,
and I,
I was afraid to fail,
like the others.
She was the ocean
and I was just a boy
who loved the waves
but was completely
terrified to
"Love will find a way against time itself."
"I want my world to start and end with you."
I think she was afraid to love
sometimes. I think it scared her.
She was the type to like things that are
concrete, like the ocean. Something you
could point to and know what it was…And
I think that's why she struggled with love.
She couldn't touch it. She couldn't hold on to it
and make sure it never changed."
She didn't fear being committed, she feared being abandoned.
If she's amazing, she won't be easy.
If she's easy, she won't be amazing.
If she's worth it, you won't give up,
If you give up you're not worthy…
Truth is, everyone is going to hurt you;
you just gotta find the ones
worth suffering for.
"That's love: Two lonely persons keep each other safe and touch each other and talk to each other."
"We need, in love, to practice only this:
letting each other go.
For holding on comes easily;
we do not need to learn it."
"Maybe we've lived a thousand lives before this one and in each of them we've found each other… I know I've spent each life before this one searching for you. Not someone like you but you, for your soul and mine must always come together."
I have loved to the point of madness,
That which is called madness,
That which to me,
Is the only sensible way to love.


text:
Mahjongg Classic
Mahjong Classic is a great game that has been designed along the lines of the traditional mahjong. IN other terms, the game gives you the traditional pyramid models of the game. The pyramids may have their variations, such as the Turtle. To play the game, simply pair off any two similar tiles. You can decide whether to play the simple mode, where the tiles have got numbers and letters of different colors. The colors are important so do not try to pair off a red 3 and a blue 3. When the game begins, you have 10,000 points and you lose 10 points for every second. You can see the clock at the top left hand corner and see how the points drain with every second. You can easily restart the game, if you have been distracted by someone or something; this way you get to keep challenging yourself to work harder and finish the game faster. If you do get stuck, it would be best that you scour the pile properly before you use the hint button. When you use this button, you will be fined 1,000 points and this will shave off a lot of time making the game shorter. It is better to lose 100 points when you take 10 seconds finding the tiles, rather than lose 1,000 points just so you can see the answer quickly. The arrangement in this game can be difficult and it is hard to see some of the tiles. In some games, all the symbols are in plain sight and all you do is work your way through the tiles until when you complete them. However, with this one, you may fin yourself looking for the tiles a little harder. This is your chance to test how good you are at this game.


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Reader Jai Ram asks, "My iPod has become very sluggish, the menu access also takes lot more time now. It was good when I first bought it, can the same performance be restored?"
Jai Ram your iPod's performance can be restored by simply defragmenting it.
- iPod data cable.
- iTunes (latest version preferable)
Here is how to do it: (this procedure is applicable in Windows Vista, the procedure for Windows XP is more or less the same)
1. Connect your iPod to your computer. Open iTunes and make sure that you have enabled Disk mode for iPod.
2. Now that your iPod is in Disk mode, you should be able to see your iPod as a removable storage device. Go to "My Computer" and right click your iPod and select the "Properties" menu. Now select the "Tools" tab in the window that pops up.
3. Once you are in Tools tab select, first scan your iPod's file system for any errors. You can do this by the disk scanning utility of Windows. This utility would fix file system errors if there are any present in your iPod.
Now select the "Automatically fix file system errors" check box in the window that appears.
4. After the scan disk finishes, you can now start defragmenting your iPod. The defragmenting option can be found in the same Tools tab.
5. After defragmentation process is over, disconnect the iPod. Now your iPod should be as fast as it was before.
If you got any questions, feel free to ask using the Contact Form and your questions would be answered here soon.
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"Car makers are making some crazy statements...I never thought of a car, not emitting carbon emission, but is a cleaning machine. I never thought about it. If somebody is going crazy I can't help it," Javadekar said while speaking at an Assocham event on smart cities here.
He was referring to the statement made by JLR CEO RalfSpeth, who said that air sucked in by its latest technology vehicles on Delhi roads is "far dirtier" than what they emit.
"The latest EU VI regulation schemes have got technical features, which (can) clean the air in Delhi. These kind of vehicles drive like a hoover... The air they suck in is far dirtier than the air which comes out of it," Speth had told PTI.
Environmental advocacy CSE had also criticised JLR for its "'misleading and irresponsible' remarks and terms the claim amounted to equating cars with "air-purifying machines".
Javadekar, however, said there are latest technologies which could help in solving the problem of pollution.
"But the real answer lies with improving the quality of fuel in cars," he added.
Terming the government's decision leapfrog to BS VI emission norms for vehicles by 2020 as a "real game changer", Javadekar said "fuel will be Euro VI compliant in next 1,200 days, that is the promise. That is the permanent solution".
He further said the government "is investing more than Rs 60,000 crore to improve the quality of fuel and it will be ready with fuel for Euro VI norms by 2019".


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I honestly can't remember how many times I've seen Rick Springfield in concert.
What started off as a lark — "Hey, let's go see that guy I loved as a kid and find out if he can still sing!" — and then evolved into something of a running gag — "Hey, let's go see Rick again!" — has finally become a comfortable, reliably entertaining event that Anne and I look forward to more or less annually. Which isn't to suggest that a Rick Springfield concert is the same old thing, year after year. While there are a lot of '80s nostalgia acts who do essentially the same show every time — I'm thinking of Def Leppard in particular; they're good, but if you've seen them once, you've seen them — I've personally had a wide range of experiences with Rick, everything from an arena-style state-fair show to a Las Vegas stage spectacular to an intimate performance in a small rehearsal space. We're going to see him again tonight, this time performing under the stars with the Utah Symphony Orchestra. So that ought to be interesting.
I'd love to take all my Loyal Readers along with me, but since that's not possible, I'll leave you with a video instead.
"Voodoo House" is the second single from Rick's latest album The Snake King, and the blues influence is even more obvious on this one than in the first release, "In the Land of the Blind." Filmed on location in the bayous around New Orleans, an authentically grimy road house, and in the historic Dew Drop Jazz and Social Hall — reportedly the oldest rural jazz hall in the country — the video is dripping with humid atmosphere, redolent of sweat, sex, and the dark ancient forces that whisper to men and women alike when the sun drops low in the west. It's cool stuff. Hope you dig it as much as I do.


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Save the Children Canada
The @RLavigne42 Tweet Round-Up
- Just shut down http://t.co/mEHQarKu (@ #TDGv Studios West) [pic]: http://t.co/H06w4weW
17:42 PM Sep 22nd from foursquare
- RT @tamadear: The role of marketing now is to make sure that everyone in a company stewards the brand, across all interactions. #FutureM
20:15 PM Sep 22nd from Echofon
- @magisto_says gmail is good. Rlavigne42@
22:18 PM Sep 22nd from HTC Peep
- I just ousted @hats4cats as the mayor of BMO on @foursquare! http://t.co/l4m3cxX9
0:49 AM Sep 23rd from foursquare
- Head on over to @TDGv (@ #TDGv Studios West) http://t.co/2OTmn08i
10:45 AM Sep 23rd from foursquare
- The @RLavigne42 Tweet Round-Up is out! http://t.co/iS2LjMaS ▸ Top stories today via @rawn @dingstweets @kyleismorefun @murnahan
13:31 PM Sep 23rd from Paper.li
- RT @RobinDickinson: I gave @RLavigne42 +K about Social Media on @klout http://t.co/dW5vOGxq
20:20 PM Sep 23rd from Tweet Button
- RT @GuyKawasaki: Mega-list of f8 recaps: Highlights, Timeline, Music, Apps, & Opinions http://t.co/nDNb1HJW
21:47 PM Sep 23rd from Alltop Tweets
- RT @autismfamily: I liked a @YouTube video from @RLavigne42 http://j.mp/qhwknV Robert Lavigne unveils his early release Facebook
0:14 AM Sep 24th from Visibli
- RT @TDGv: Here is Part One of @RLavigne42's investigation into the new Facebook Timeline profile replacement http://t.co/m9h2eVeU #TDGv
10:41 AM Sep 24th from web
- RT @MG_MLM_Power: I liked a @YouTube video from @RLavigne42 http://t.co/PdcXaqF4 Robert Lavigne unveils his early release Facebook
10:42 AM Sep 24th from Google
- RT @johnmorgan: Interruptions and distractions are killing entrepreneurs.
10:45 AM Sep 24th from Crowdbooster
- @guygal "The world is full of Kings and Queens who blind your eyes and steal your dream" ~ DIO Heaven and Hell http://t.co/opHeOnx2
10:48 AM Sep 24th from web
- Tweet #99 by @TDGv http://t.co/TpgyNk5l http://t.co/FckxeYOW
12:43 PM Sep 24th from Facebook
- Introducing Magisto! #TDGv Studios experiments with the new YouTube integrated Auto-Editor. http://t.co/vF54xKxV
12:52 PM Sep 24th from LinkedIn
- The @RLavigne42 Tweet Round-Up is out! http://t.co/iS2LjMaS ▸ Top stories today via @dprihodko
13:30 PM Sep 24th from Paper.li
- @pgreenbe doing great. Moving to Brantford was a good move. Lots of smb in need of help. Still improving video skills as time permits
0:56 AM Sep 25th from Twitter for iPhone
- The @RLavigne42 Tweet Round-Up is out! http://t.co/iS2LjMaS ▸ Top stories today via @slmader
13:30 PM Sep 25th from Paper.li
- RT @danperezfilms: Do You Know the History of Your Favorite Social Media Websites? http://t.co/urPJxC21 RT @NealSchaffer
22:53 PM Sep 25th from Triberr
- RT @arnteriksen: Foursquare's Push API to Be Released Publicly Today http://t.co/qwavIglV
22:55 PM Sep 25th from Buffer
- RT @ruhanirabin: #Top10 Free Website Speed Testing Tools. http://dld.bz/Czum
22:56 PM Sep 25th from SocialOomph
- RT @blogTO: Pics of people stuffing ridiculous amounts of poutine down their faces/throats –> http://t.co/UrIhBXB6 #grossbutgreat
22:58 PM Sep 25th from bitly
- RT @BobWarren: HUMOR: Phrases used to improve your Resume http://t.co/h3MAFaCu
22:59 PM Sep 25th from MarketMeSuite
- Early start at @TDGv (@ #TDGv Studios West) [pic]: http://t.co/Vg51O3G9
7:06 AM Sep 26th from foursquare
- Thanks again to all the @TDGv new followers. What content would you like to see more of on this feed?
7:46 AM Sep 26th from Facebook
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There has been a lot of talk about what millennials are as a generation. Are they more creative, self-centered, entitled? But there hasn't been a lot of light shed on the next generation, Gen Z. Kids born between 1995 and 2012 have yet to have their moment in the spotlight. We can't know for sure who they will turn out to be, but we can start out by observing their environment.
Jessica Longworth, an Australian photographer and a millennial herself, set out to document the life of the next generation in her latest photo series titled "Gen Z Kid." As Longworth explained to A+, her inspiration is her subject. The 12-year-old featured in most of these photos with her friends is the photographer's little sister Demi.
"The most fascinating thing about this generation is that they are the first generation that didn't experience the pre-internet world," Longworth told A+.
"Their early engagement with technology and social media and the world has made this generation a more empowered group of kids."
Longworth's website explains :
"Nearly a third (29 precent) of Gen Z's report spending more than 10 hours a week interacting with their phone. This is much higher than previous generations; 26 precent for Gen Y, 13 precent for Gen X and only 4 precent for Baby Boomers. There is little time spent outside for Demi, if any, it is a quick run to the shop with friends to buy take away slushies. The girls then retire to Demi's room where they listen to music, play dress ups and take selfie's to add to Demi's collection of multimedia creations."
"I compared my life growing up to Demi's at the age of 12. The difference in the way we interacted, the hobbies we shared was so different."
"It can be overlooked as a bad thing in their lives, although these kids have a great sense of knowledge and social issues of the world, due to the use of the internet at a younger age..."
"... and I think this is important for kids to grow up with."
Never before in the history have kids had so much knowledge at their fingertips — be it YouTube makeup tutorials or awareness of social issues across the globe.The latter does make us excited about the future. We want to know what you think.
Like this? Please share by clicking below.
(H/T: Vice)


text:
Retrotouch produce a high quality product range comprising of Touch and Remote Light Switches, Rocker Light Switches as well as Electrical Power Sockets and Electrical Accessories.
The unique design of the light switches cleverly combines the latest technology with carefully considered looks. Each unit feature ... Read more on the Retrotouch Crystal Black Glass range.
*** All prices include VAT. Free Standard Delivery on all orders over £95 ***
Make your own socket and switch plates to fit your needs. Just choose the plate size and then add the modules up the maximum for that plate. For example a 2 Gang module plate can have two single size (thin) modules and a 4 Gang plate can have four single size (thin) modules.
A double module (the size of two singles) is easy to spot as it has a square shape - if you choose a double module you obviously can have fewer single modules e.g. a 4 Gang plate can have one double and two single modules (instead of the normal four singles).
One last thing, choose your module colour to match the plate/trim, so a module plate with a white trim usually has white modules in it.
Other modules not listed are available by request - please email email@example.com for details.


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Mask of Magnaminty
I am a huge fan of this mask, it really does leave your skin feeling CLEAN. I found this is perfect after a little too much indulance over Christmas and it does give your skin a deep cleanse, so perfect for when your skin is struggling a little after Christmas.
The texture of the mask is very thick, which I love, as you don't really need much for each application so it does go a long way. I was worried because there are small grains of seeds and beans so I thought this might be a little harsh on my skin but it was really gentle. Due to texture of the seeds and beans if you do have over-senestive skin I would suggest using this once a week, just incase.
The peppermint in this product is my favourite, I am almost addicted to peppermint tea so I glad I have found a product which contains peppermint. This helps calm skin and can prevent any breakouts. I used this over Christmas and it did a great job at preventing any breakouts.
This mask is also a bod product so it would be perfect for the summer to use before getting your bikini on, in case you have a spotty back!
Jasmine and Henna Fluff - Ease
I have tried a lot of Lush hair masks and haven't really found one which I have fallen in love with yet. I think this is because my hair constantly changes what it needs, and this means I need to try different products with different ingredients.
I haven't tried any hair products with Henna in before, I have heard a lot about it though so I was expecting good things. The hair treatment is packed full of ingredients to help the look and appearance of your locks. It contains Henna to help your hair look more shiny, it does this by leaving a fine coating on your hair. Contains brazil nut oil to help moisturise your hair, so great news if your hair is dry and damaged like mine and Olive, hemp and Soya to help with strength, handy if you are trying to grow your hair.
I have tried this hair treatment a few times and it does leave my hair soft and silky, so I tend to use this after nights out or when my hair needs some TLC. I did feel by using this product it brings it back to life. After using this and then following my usual shampoo and conditioner routine, I still felt my hair needed a good wash, so after a day I did wash it again - I only usually wash my hair three times a week so this did need washing out again. I think this is due to Henna in the product and the fact that my hair is fine so products can look a little heavy on my hair. I still have plenty of this hair mask left so when I use it again I am going to try to use a lot less and see how this feels on my hair.
Have you tried these products before, what are your thoughts?
*These products were both gifted from the Lush event last year but the views are my own.
Lush Mask of Magnaminty and Jasmine and Henna Fluff - Ease
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"When the material life of a wandering soul has ceased, O Acyuta, he may attain the association of Your devotees. And when he associates with them, there awakens in him devotion unto You, who are the goal of the devotees and the Lord of all causes and their effects."
Srimad Bhagavatam 10.51.53
We all need friends. On the journey of life there are twists and turns,
ditches and dead ends, obstacles and opposition. But as John Lennon
sang "I get by with a little help from my friends." Those who embark
on the spiritual journey are brave indeed. They strive for purity in
a world of degradation, they embrace simplicity amongst rampant
materialism, and they cultivate selflessness in an atmosphere charged
with exploitation. Anyone who goes against the grain in such a bold
way will be faced with temptations, doubts, ridicule and moments of
weakness. Without the encouragement, support and good advice of
spiritual friends how can one continue? Srila Prabhupada established
ISKCON (International Society for Krishna Consciousness) to give
people the chance to develop relationships with devotees of Krishna.
This is the best way to gain faith and become enthusiastic in one's
spiritual endeavours.
Tip: Visit a local ISKCON temple on a regular basis, and take advantage of the classes, festivals and various opportunities for devotional service offered there. There you can meet friendly devotees of Krishna, who can answer questions and shed light on the practical aspects of spiritual life. You can also visit our Sunday Feast Programs where you can enjoy uplifting chanting, a lively and informative talk and prasadam (sanctified vegetarian food). If you would like us to come to your home for satsang or for a casual visit don't hesitate to ask, we'll be more than happy to arrange.


text:
Ahrens Insurance Agency
507 NE 36th Ave
Ocala, FL 34470
(352) 368-7090
(352) 368-7853 (fax)
8:30 am to 5:00 pm Monday - Friday
Insurance Agency offering Auto, Home, Business and Life Insurance. Professional and courteous staff. Save Time and Money. Let us shop and compare with over 25 quality insurance companies. Since 1985
On 36th Avenue between SE Fort King Street and E Silver Springs Blvd, beside the City Golf Course.


text: Since yesterday, I have seen a voice mail reminder icon in which calling VM does not remove. VM tells me "there are no messages" during VM check. It updates the time of phantom VM when I have rebooted phone. I have also noted in the past month that some sounds are weak in a random and intermittent manner. Random = affects various notifications including email, text, and ringtone and in time of day/duration of malfunction. Intermittent = in that I cannot see any pattern/nothing specific that relates to the weak sounds. BTW, I have checked the obvious volume controls and notification settings. Anybody else have this? I will be following this up with Verizon, but I guess it won't help a lot.


text:
Monday, November 21, 2016
Michigander Monday: Susan Froetschel
Debbie: Susan, please tell us a little about yourself.
Susan: I grew up in Pittsburgh and after living in many states, from Alaska to New York, I relish living and working in East Lansing. I am managing editor for an online magazine – YaleGlobal Online – which explores globalization defined as the interconnectedness of our world. These connections turn up in politics, economic, trade and security alliances, labor, health care, environment and many other ways – and what better job could there be than exploring the world and such connections through reading and writing? Chance encounters can leave lasting effects, and with instant global communications, a few ideas resonate and travel far. Such connections and encounters have found their way into my stories.
Debbie: And, of course, we want to know all about your books.
Susan: All my writing focuses on characters, ordinary people, both parents and their children, who question troublesome policies that others in their communities take for granted. As an editor and former newspaper reporter, I enjoy analyzing how public polices influence families and small communities – and analyzing these through fiction.
I have written five mystery novels and descriptions of where I live at the time slip into these books, though that may seem odd since my two most recent books – Fear of Beauty and Allure of Deceit – are set in a remote farming village in Afghanistan. Fear of Beauty is about a woman who is desperate to learn how to read so she can figure out the reasons behind the death of her oldest son. Allure of Deceit is about how charity can have a hidden agenda – and a foundation director who uses the program to investigate the death of her son. Royal Escape – set in London – is about a princess who resists the monarchy's controls and discovers that security is more trap than protection. My first two novels were set in Sitka, Alaska, and the first was Alaska Gray, about art forgeries and a scholarship fraud. The second, Interruptions, is about a mother and son who work at cross purposes to fight a cross-island road with exorbitant costs in terms of money and the environment.
An excerpt of Fear of Beauty is available at Criminal Element.
Debbie: Other books or projects on the horizon?
Susan: I have started a third book set in Afghanistan, but may take a detour into a story about a family with many secrets and resentments – possibly set in Michigan or Pennsylvania.
Debbie: Upcoming appearances?
Susan: Nothing on the schedule at this moment, but I always enjoy to speaking about writing and publishing, the celebrity culture, and many topics related to globalization for libraries, book groups, senior centers, clubs or classrooms for students of all ages. I have given many programs in Maine, Connecticut, Virginia, Maryland, Delaware, Florida, Georgia as well as Michigan.
Debbie: Do you have a favorite Michigan bookstore? And/or a favorite Michigan library?
Susan: I love and appreciate every bookstore that stocks my books for their readers and that includes Horizon in Traverse City, McLean and Eakin in Petoskey, Blue Phoenix and Olivet in Alpena, and Schuler Books in Okemos! Naming a favorite library is again too difficult. I always enjoy my hometown library – the East Lansing Public Library. But I also enjoy exploring the extensive collections at college libraries like Michigan State University and Yale.
Debbie: How about a favorite place in Michigan?
Susan: The lakeside communities are stunningly beautiful, friendly and peaceful – Alpena, Saugatuck, Cheboygan – with the Great Lakes, again it's very hard to decide!
Debbie: Do you have a Michigan event or happening that you love to attend?
Susan: My favorite event is the Alpena Book Festival held each September. The entire downtown rallies to support of Michigan authors and organize a wide range of programs for readers and aspiring authors alike. The town is ideal for a book festival with the library, two bookstores, an art store, bakery, and wine-tasting room all in close proximity.
Debbie: A few fun Michigan people we should all know about?
Susan: Peg Herring is a talented and thoughtful mystery writer who juggles three series (The Loser Series, The Dead Detective Series and the Simon and Elizabeth Tudor Series) along with many other projects. She is fantastic at organizing, motivating and mentoring writers of all levels. She is adventurous and never shoots down new ideas. Connie Doherty, who just released her first mystery book, has a great voice and imagination.
Debbie: Something you'd like a non-Michigander to know about Michigan?
Susan: The people are open, friendly and the best at making their communities welcoming places.
Debbie: Last question. Some folks in Michigan refer to themselves as Michiganders, others as Michiganians. For our ongoing vote tally: are you a Michigander or a Michiganian?
Susan: Count me in with the ganders.
Debbie: Susan, we'll add you to the Michigander column. Thank you for joining us today for Michigander Monday!
To learn more about Susan and her books, visit her web site (which includes her blog), Facebook page, Twitter account, and Yale Global.
3 comments:
I have know Susan from her times in CT. Not only is she a great author, but she is a great mother to a wonderful son. Always willing to help out and is a great friend to those she meets.
- November 22, 2016 at 9:04 AM
- Irene said...
I have long appreciated how clearly Susan is able to bring awareness and understanding of complex issues to a broad audience.Both in her journalism and fiction she stands out as a voice of authority and compassion. I'm looking forward to her next book!
- November 22, 2016 at 10:47 AM
- Author Peg Herring said...
I'd like to return Susan's compliment. She also encourages other writers and listens to others with discerning intelligence. Along with all its other enticements, Michigan has many good mystery writers. We're glad Susan has joined the native Michiganders and quickly become part of the writing community in our beautiful state.
- November 23, 2016 at 5:20 AM


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ALL 4-H members, parents, and County Extension Agents are invited to join Texas 4-H at the 4-H
Day at the Capitol on Wednesday, February 6, 2013 in Austin, Texas. This event will be a day filled
with 4-H being recognized in both the House of Representatives and Senate Chambers. In the
afternoon, spend some time with your legislators and let them know about the great things 4-H is
doing in your community.
Registration is $20.00 per person and is open on 4-H CONNECT from Monday, December 17, 2012
and will close January 18, 2013. Registration will include a t-shirt, registration materials, approved
tokens of appreciation for members to present to legislators, and insurance for the event. Lunch
will be on your own. When you register, be prepared to provide the names of both your House of
Representative member and your Senator who will be representing you in the 2013 Legislative
Session. A new feature to assist with last minute schedule changes from the legislative offices will
be a text messaging system. If you would like to receive these notices, please sign up during your
Once registration closes, Cory will pull a report and communicate with those individuals about scheduling a group lunch.
Click here to register


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Healthy employees are good for business.
Gratefully, more companies are investing in corporate wellness to achieve a healthier workplace for their employees. The benefits of executive health programs show they're statistically proven to help lower healthcare cost and increase productivity. A successful wellness program will have its specific employees and company in mind, in order to achieve the greatest benefit.
Quaintise is an experienced healthcare, wellness, and life science marketing agency that partners in communicating how employee wellness programs can fit into your company's culture. We work with you to create programs targeting behaviors that could lead to illness, thereby helping to prevent them.
As your corporate wellness partner, we'll help you develop a wellness program for your company that includes:
To better understand the importance of corporate wellness and Quaintise's stance on the topic, read our latest whitepaper.


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Radio Astronomy
Radio Astronomy covers most of the microwave frequency spectrum from a few MHz to many hundreds of GHz. The higher frequency single or multiple dish radio telescopes used are outfitted with highly accurate drives for sidereal tracking and, when many observations per session are needed, high speed slewing capability.
InterTronic Solutions supplies radio telescope / antenna systems and feeds from 2m up to 12m in diameter and covering the 1-40 GHz spectrum. We also provide antenna upgrade services and equipment such as new feeds and whole new control systems for older large antenna systems.


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This has been a very competitive year for this award, with 9 people nominated, all of them strong candidates. The winner, selected by the previous recipients of this award, is certainly a standout sailor.
He is both a racer and a cruiser, and he's been at it for over 30 years. His sailing CV includes the entire US East coast, from Maine to Key West; Bermuda many times, an Atlantic Circle, the eastern Caribbean, the Bahamas, and Nova Scotia.
What makes all of this even more remarkable is that much of it was accomplished single or double handed. And in a 32' boat. Those Bermuda trips? He's done 13 Bermuda 1-2's. (Actually, the most recent one was a 1-1; he did both legs solo!) That Atlantic Circle? It was accomplished double-handed with his remarkable wife as crew.
Among the countless races in which this year's winner has competed, dozens of them have been Maine ocean races in the shorthanded division. They include the Downeast Challenge, the Gulf of Maine solo-twin, the Maine Rocks Race, the Round Islesboro Race, the Rockland-Castine Race… well you get the idea. In total, our recipient has logged over 74,000 sea miles in his Freedom 32 Panacea!
But to earn this award, a sailor must be considered not just good in his own right, but also a good ambassador of the sport. Let me quote from his nomination papers: "He has seduced many Maine sailors into doing many single-handed offshore races. Thanks to his energy and enthusiasm, single-handed and double-handed classes have been added to most of the GMORA races. More importantly than his own participation, he has mentored many of us as we have made the transition to single or short-handed offshore racing."
This is not the first time our recipient has been recognized for his sailing accomplishments. He was the very first person awarded the Ocean Cruising Club's Vertue Award. Besides being an OCC member, he is also Port Captain in Rockland/Thomaston, and is an active member of the Rockland Yacht Club.
It's a good thing tonight's banquet wasn't scheduled for earlier this month, because our recipient would have been off sailing in Penobscot Bay celebrating in his own way his 75th birthday.
It is indeed an honor and a pleasure to present the 2017 Yachtsman of the Year award to Peter McCrea.


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Get your smartphone fixed right away with doorstep mobile repairing
Onsite phone repair services are gaining popularity today. And the reason behind it is quite evident. Accidents will happen, and there is no stopping that. You might drop your mobile accidentally or sit on it without knowing. These are rather basic things that happen, and the screen of your Smartphone gets damaged. The thing is, […]Read More


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When is the last time you held a yard sale? While it's probably not the first thing on your back to school checklist, the reality is August is a fantastic time to have a "back to school!" themed yard sale. If you are following along here at GO MOM! you know that late July and early August are all about organizing key spaces to get ready for the new school year. And because the excitement about summer Read more
The Stow Company
Small Pantry Organizing Tips
A small pantry might appear to be completely useless. Too small to really hold what you want to put there or too hard to get to and therefore you just don't use it well. Small spaces beg for smart organization and I simply love that! With very little wiggle room, you have no choice but to work with what you have and its a great reminder to make sure every item in the space Read more
How to Organize a Playroom
There is nothing like a winter that never ends to give you good look at how to organize a playroom. No matter if you have an actual room or area in your home where your kids most often play, after too much time stuck indoors it can affectionately be renamed the bomb. Sure its all about creative expression and free play but often it becomes creative explosion and license not to clean up. Maybe its Read more
How to Organize a Closet
An organized closet is my zen ~ can you blame me? I'm standing inside an ORG closet solution and clearly anyone can recognize that if you have a backdrop like this, being well organized is a natural result. But for most of us, its "Organize a Closet 101" because you might not have this set up today (although you might be moving towards it). No matter what product solutions you have at your disposal, here are 3 Read more
Thank You She Streams 2012
http://www.youtube.com/v/3JK_fS5Oyls?version=3&hl=en_US I'm so excited about this video because it I filmed it from my phone and loaded it to You Tube directly, something I hope to do more of in the future as I continue to attend and coordinate events onsite. Thanks to Maria Bailey and her awesome team at BSM Media for all that they did to make She Streams 2012 happen with such tremendous success!. I loved having so many great conversations, getting Read more
Power Moms Panel at She Streams 2012
http://www.youtube.com/v/fTtoXOm_0_Y?version=3&hl=en_US Last month I had the honor to attend and speak at She Streams in Ft. Lauderdale, Florida. A wonderful mix of social media influencers and brands focused on video blogging, podcasting, mobile, and more, I learned so much and found myself squarely rooted with colleagues who speak my language. The brain child of the foremost expert on marketing to Moms, BSM Media CEO Maria Bailey chose well to come home to her native Florida. The Read more
Making Mobile Video at She Streams 2012
http://www.youtube.com/v/DudTWhReDj4?version=3&hl=en_US I'm attending She Streams this weekend and challenged myself to take video directly on my smartphone and uploading it directly from there to my You Tube channel. So…the part where its sideways…I didn't realize that I need to hold my smartphone horizontally and told the person who so kindly held my camera to hold it vertically. Once loaded to You Tube I could change the orientation to proper position. But I LOVE that I Read more
Spring Break Sack Suppers with Kids Food Basket
http://www.youtube.com/v/7v0-k3xbrro?version=3&hl=en_US This year I am thrilled to be working with The Stow Company on an amazing project called The Organized Give. Designed to make lives better one organized solution at a time, the project has taken flight with overwhelming success and this post shares just one of the many amazing facets of all The Stow Company is doing to have an impact in their hometown of Grand Rapids, Michigan. I'm here with Bridget Clark Read more
The Organized Give with Kids' Food Basket
http://www.youtube.com/v/h2kgmLFOsBk?version=3&hl=en_US Its week's like this that I truly love what I do. This week I'm traveling to Grand Rapids, Michigan to join the amazing team at The Stow Company for round 2 of The Organized Give. An initiate started by the Stow Company, to basically provide social good, to reach out and help those in need through the services of organization solutions. This week we will be working with Kids' Food Basket, a local organization Read more
How The Organized Give Changes Lives
I have a soft spot for projects that are centered on social good. I didn't always know that about myself until this past year. I've spent a dozen years talking with Moms about home organization and family time management. To me, the practical solutions to living a life generally well organized and exceptionally well loved are obvious. You simply Schedule. Organize. and Grow your way through your days. That's not to say it's a perfect Read more


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Home > Medical Scales > Wheelchair Scales
In Stock, Delivery in 2-5 Working Days
Emergency admission to hospital – everything has to happen very quickly. Especially when an operation is necessary and the patient's weight must be determined in order to ensure the correct dose of anaesthetic. The weighing of patients on stretchers or gurneys in this or in less dramatic situations is no problem with the seca 657: the platform is large enough for all common gurneys or stretchers on undercarriages. And, of course, patients can also be weighed comfortably on a chair or in a wheelchair with this platform scale. The seca 657 is thus suitable for use in the dialysis sector and in old people's and nursing homes.
Stable construction with very high capacity.
Thanks to its extremely stable construction and very high capacity of 300 kg, even heavyweight patients can be weighed easily with the platform scale 657. The platform is generously sized to cope with wheelchairs and all common roll-in systems and stretchers on undercarriages.
Castors and integrated handles for transport.
The seca 657 is a very versatile scale as it is easy to move around on its smooth running castors with the aid of the integrated handles.
Cable remote display with many additional functions.
Included in delivery is the cable remote display with easy to read LCD figures. It can be mounted on a table or hung on a wall at eye level. The display can be operated intuitively and is equipped with many intelligent functions: Thanks to the HOLD function, the patient can first be attended to before the result is noted. The innovative memory function of the seca 657 is particularly practical – for example in the casualty department before an operation: the total weight of the patient including stretcher or wheelchair is first determined. After again weighing the stretcher or wheelchair the net weight of the patient appears automatically. With the pre-TARE function, the additional weight of auxiliary aids can also be deducted from the total weight while actually weighing the patient. And, finally, the individual nutritional condition of the patient can be ascertained with the aid of the BMI function.
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Seca 456 Wireless USB Adapter£82.00 £75.00 + VAT
Seca 472 Stand for remote display£115.00 £104.00 + VAT
Seca 460 RS232 Adapter Kit£170.00 £156.00 + VAT
Seca 115 Analytics PC Software (3 Licences)£469.00 £439.00 + VAT
Seca 466 Wireless Thermal Printer Advanced£385.00 £369.00 + VAT


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A Newcastle student, who helps gardening trainees achieve job success, has won an award.
Michelle Watson, 19, of Fenham, who works for the council's Cityworks training centre as an administrator, has completed an NVQ Level Three with one of the region's largest training agencies, Access Training.
Ms Watson said: "I'm very pleased to get my NVQ. It helps me a lot with my responsibilities at work. I'm hoping to go on to get my customer service qualifications soon.
"Access was brilliant. It supported me all the way."
Access trainer Jean Bambrough said: "It's made a refreshing change for Michelle to be the one being awarded qualifications.
"She's an excellent student and has put a lot of effort into achieving her NVQ."


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Map Price
You have no obligation to purchase the product once you know the price. You can simply remove the item from your cart.
You have no obligation to purchase the product once you know the price. You can simply remove the item from your cart.
- Description
- Use the FS 800 Guide Rail (32 inches) with the Festool TS Plunge cut saw to make precision cuts up to 26 inches long.
- Integrated splinterguard serves as cut line and prevents tear-out and splintering
- A fully integrated system, use your Festool routers or jigsaw with the guide rail for expanded capability
- Non-skid, dual-clamping rubber strips prevent movement during the cutting operation, saving significant set up time
- Full details
From The Tool Nut
Festool guide rails, along with dust extractors, are the core of the Festool system. Allowing both Festool plunge cut track saws, jig saws and routers to perform tasks that only big, unruly, heavy and expensive shop equipment could perform before. With splinter free, straight as an arrow cuts, the Festool guide rails allow you to perform tasks never thought possible. Obtain cabinet saw quality cuts with a piece of equipment that fits snuggly in your backseat or can hide in the closet. A replaceable splinter guard, as well as being reusable, means you're ensured these fine quality cuts for the life of your rail & saw. As far as we've seen, they don't die!
Festool guide rails are easily and quickly connected by utilizing the 482107 Guide Rail Connector (2 required). Any size rails fit together in moments to create any size track that the user would like.
Buy the original and buy the best. Festool invented the guide rail over 45 years ago.
From the Manufacturer
Festool FS Guide rails are available in many different lengths from 32 inches to 197 inches (800 - 5000 mm), providing the right rail for every application. The integrated splinterguard aligns perfectly to your cut line, saving set up time and serving as protection against tear out, on cuts both with the grain and across. Guide rails can be easily connected using the accessory guide rail connectors for a rigid, secure and continuous connection. Guide rails make work easier by taking the tool to the work, and save time and money by eliminating laborious measurements, rework and wasted material. Use the FS 1400 Guide Rail (55 inches) with the Festool TS Plunge cut saw to make precision cuts up to 49 inches long. Connect rails using Festool Guide Rail Connectors to make limitless cuts.
Of the nine sizes available, Festool offers seven standard FS guide rails. Our most popular sizes are the FS 1400 55" guide rail for cross-cuts and the FS 2700 106" rail to cut the full length on standard sheet goods (with the TS plunge cut track saws).
Also available are two sizes in the hole series. A special indexed guide rail system using the hole drilling set makes fast work of placing perfect 32mm shelf pins and 35 mm holes for European hinges in cabinets.
Every FS guide rail can be used in combination with Festool plunge-cut saws, jigsaws, and routers ensuring precise, repeatable results.
- Specifications
Search Weight Tags No Festool Compatibility TS 55, TSC 55, TS 75 General Length No Product Type Guide Rail Specifications No Preorder Date May 1, 2017 Product Special Message
Beat the 2018 Festool price increase! Order by Feb. 28th, 2018 to save $4.00. Details.
- Warranty
Accessories and/or attachments, including, but not limited to, saw blades, drill bits, router bits, sanding discs and apparel are excluded from the Festool warranty.
- You may also be interested in the following product(s)
WARNING: California residents, see information about Proposition 65.


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NCUA's Indirect Lending Concerns
The National Credit Union Administration (NCUA) has issued Letter to Credit Unions No. 10-CU-15 that addresses how credit unions should exercise good risk management practices in their indirect lending programs. The agency notes that it "has seen seemingly healthy credit unions fail in a matter of months due to indirect lending programs that spun out of control."
An indirect lending program typically involves a credit union having an arrangement with a merchant to originate its loans at the point of sale, especially for automobile purchases. Other indirect lending relationships allow a third party, such as a credit union service organization (CUSO), to perform activities related to indirect lending, such as underwriting, servicing, repossession, or insurance processing.
In the past, NCUA has cautioned credit unions about rapid growth in indirect lending because it can quickly result in a notable change in the credit union's balance sheet. NCUA issued its recent letter because of concerns about an increase in repossessed cars, indirect lending delinquencies, and loan losses.
NCUA says that "regardless of the type of indirect lending relationship established, no credit union should delegate loan-approval authority to a third party. Every credit union has the responsibility to perform its own due diligence [and] establish effective control and monitoring systems to mitigate the risks to the credit union's earnings and net worth."
NCUA's letter advises credit unions about what warning signs or "red flags" its examiners will look for that may require a credit union to slow down its indirect lending. Examples include inadequate controls, incentive programs for loan officers tied to volume, and frequent refinancing. NCUA details what due diligence steps it expects in a sound indirect lending program.
Credit unions should make sure they track these letters because many of them discuss issues of high priority for examiners. Find all the agency's Letters to Credit Unions at ncua.gov,where you also can sign up for an "NCUA Express" subscription and receive e-mail notifications when the agency posts new letters.
New ATM Accessibility Rules
The Justice Department has issued new rules implementing the Americans with Disabilities Act (ADA), which update ADA standards governing the construction and alteration of facilities covered by the ADA protections. The 2010 standards are based on revised minimum guidelines the U.S. Access Board previously established in 2004. Of interest to many credit unions will be the board's new standards for ATMs.
The standards detail new requirements for ATMs, including communication-related requirements to make ATMs usable by people who are vision-impaired. Where ATMs are provided, at least one accessible machine must be provided at each location. If a credit union provides both interior and exterior ATMs, generally they will be considered separate locations.
To meet the accessibility standard, ATMs—including those with speech capabilities and those that are wheelchair-accessible—will have to provide all the functions provided to consumers at that location at all times. For example, it will be unacceptable for the accessible ATM only to provide cash withdrawals while inaccessible ATMs have additional functions.
While the department's new regulations will generally take effect next spring, compliance with the 2010 standards for accessible ATMs isn't required until early 2012. Complete requirements and compliance dates are available at CUNA's eGuide to Federal Laws and Regulations.
Monitor FDIC's Overdraft Proposal
The Federal Deposit Insurance Corp. (FDIC) issued a proposal requiring state-chartered banks under its jurisdiction to go further in incorporating consumer protections in their overdraft programs than the Federal Reserve Board's overdraft regulations that went into effect in mid-August. Why monitor what the FDIC is proposing?
Under the Fed's new overdraft rules, all banks and credit unions must now obtain "opt-in" consent from accountholders before charging fees for covering ATM and one-time debit transactions when there are insufficient funds in the account. An "opt-in" isn't required by the Fed's rules to cover a check or an automated clearing house (ACH) payment (such as used for online bill-paying services) when the account doesn't have adequate funds.
The FDIC proposes that banks that rely on automated overdraft payment programs must establish procedures to address all types of overdrafts, including those triggered by checks and ACH transfers. The FDIC says that bank practices should:
• Promptly honor a customer's request to decline payment rather than to cover the overdraft and charge a fee (that is, to "opt-out" of an overdraft system).
• Educatethe account-holder about alternative overdraft payment products.
• Monitoraccounts and take meaningful action to limit overdraft use by a customer, including "giving customers who overdraw their accounts on more than six occasions during a 12-month period" less costly alternatives or eliminating overdraft protection on the account.
• "Instituteappropriate daily limits on overdraft fees" (whether by capping the amount of transactions subject to an overdraft fee or putting a dollar daily limit on the fee); and
• Not processtransactions in a manner designed to maximize the cost to consumers (such as processing largest checks first).
Bank examiners would use this guidance to evaluate the adequacy of a bank's overdraft program. A number of the proposed provisions were drawn from bills in Congress to restrict overdraft programs.
If adopted by the FDIC, CUNA believes the new Consumer Financial Protection Bureau could eventually apply such requirements to credit unions as well as to all banks. While many credit unions already address points raised in the FDIC's proposal by educating members on alternatives, addressing overusage, and honoring "opt-out" requests, having these actions subject to examiner scrutiny may raise concerns about credit unions losing additional flexibility in designing their overdraft protection programs.
A final FDIC decision isn't expected for several months.
Compliance Q & A
Q: If a credit union increased its annual percentage rate (APR) on cash advances on all members' credit card accounts in July 2009 based on a review of market conditions, will it be required to review all of its credit card accounts every six months to determine whether a reduction in the cash advance APR is warranted?
A: The credit union won't be required to conduct a separate review on each individual credit card account, in order to comply with the new Regulation Z rules that became effective Aug. 22, 2010, which implement requirements in the 2009 Credit Card Accountability, Responsibility, and Disclosure (CARD) Act. Since the APR increase was imposed after Jan. 1, 2009, however, the credit union would be required to re-evaluate the cash advance APR increase no less than every six months based on factors such as market conditions or its cost of funds that it currently uses to determine whether general rate increases are necessary.
If the credit union determined that a rate reduction is required as a result of the review, the final Reg Z rule requires the rate be reduced within 45 days after completion of the evaluation. The rule doesn't require any specific rate reduction, but only requires a reduction to a lower APR. The rule also requires the credit union to continue to review such rate increases every six months unless the rate is reduced to the same or lower rate that applied prior to the increase.
Postsecondary Educational Expenses
The term "postsecondary educational expenses" has been defined in Reg Z as any of the expenses listed as part of a student's cost of attendance—as defined by the Higher Education Act of 1965—at a covered educational institution.
These expenses include tuition and fees, books, supplies, miscellaneous personal expenses—including a reasonable allowance for the documented rental or purchase of a personal computer—room and board, and an allowance for any loan fee, origination fee, or insurance premium charged to a student or parent for a loan incurred to cover the cost of the student's attendance.
Q: While applying for a closed-end loan, a credit union member indicated that she would use the loan proceeds to purchase a computer for her son in college. Will the credit union have to comply with the Reg Z disclosure requirements for private education loans.
A: Yes, it will, because the borrower has expressly indicated the loan proceeds will be used to pay for postsecondary educational expenses--a computer for her son in college. Section 46(b)(5)2i of the Reg Z commentary states that "…If the consumer expressly indicates that the proceeds of the loan will be used to pay for postsecondary educational expenses by indicating the loan's purpose on an application, the loan is a private education loan…."
Section 46(b)(5)2ii states that "…The creditor may rely solely on a check-box, or a purpose line, on a loan application to determine whether or not the applicant intends to use loan proceeds for postsecondary educational expenses…"
Nevertheless, the Fed has indicated that a verbal indication that loan proceeds will be used for postsecondary educational expenses also would obligate the credit union to provide the required Reg. Z disclosures.


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Thank you for your interest in becoming a theatre member. Howick Little Theatre is a community theatre with a long history and reputation for quality productions, giving members an opportunity to meet new people and become actively involved in its performances and day-to-day operation. There are two classes of membership: adult and young adult (for those aged 25 years or under).
You can complete this online form to:
Apply for membership
Renew your membership
Update your contact details
Just select the appropriate option on the form.
New Members
Your details will be added to our contact database and your membership will be activated once the fee has been received. This will entitle you to all the benefits of membership:
Membership Fees
The annual adult fee is $20 per person or $30 for two people in the same household. Half-price fees apply if you join six months or more after the start of the HLT membership year on April 1. For those aged 25 years or under, the Young Adult fee is $15 for a full year or $10 for six months.
Renewing Your Membership
Welcome back! We have made it easy for you to renew because we value your membership.


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The three fundamentals of any process applied to optimizing waste diversion from landfills must be centered upon: 1.) honest evaluation of all available waste management options, 2.) start to finish environmental impact considerations, and 3.) thorough sustainability and cost-benefit economic considerations.
-The preferred solution must be determined through realistic, complete, and verifiable, relative cost-benefit analysis on each of the options.
-Review all potential ramifications of each option, relative to the others.
-The public has
an important role to play, here. Often, misguided or
unscrupulous politicians, bureaucrats and consulting engineers
have been known to collude, to advance solutions or technologies that are personal-agenda-focused, rather than having a solution-based agenda with the public
interest as the focus. The higher the potential project cost, the more
public vigilance that is required. (See Environmental Ethics Paper:
–Short-term, mid-term and long-term environmental consequences (impacts) of each potential action must be scientifically evaluated and compared.
-Thorough environmental safety evaluations must be conducted on each waste treatment option being considered: from starting point of the waste stream, to its stable end point.
-Plausible Worst Case Scenario Evaluation must be conducted for each treatment option: Eg.: What is the potential worst-case environmental outcome of each option choice, relative to each possible waste diversion action?
-Determine the highest and best use of each waste diversion action for each material group in the waste stream.
- Ascertain the Cost-Benefit (ROI) of each action, both in environmental and in economic terms. (For example: Is it economically sustainable to warehouse those plastics which have no commercial recycle value, simply to keep them out of landfills, when there is a much better ROI by turning the high energy value of the plastic into electrical power for the grid, as well as concurrently avoiding needless warehouse storage costs?)
Common objectives:
1.) Avoid sending waste to landfills.
2.) Avoid waste processing options that have negative environmental side effects.
3.) Use every possible component of the waste stream as a resource for future re-application, or alternative benefit.
4.) Waste components of current low commercial value must be utilized in ways to yield their present highest and best use, without posing an environmental hazard.
5.) Toxic materials that are currently unusable in their present form must be detoxified, rendered inert or safely sequestered, to avoid environmental contamination.
6.) Always look for secondary uses or benefits from detoxified, altered, or denatured breakdown elements of previously toxic waste components.
One approach to addressing the above points is to individually review several specific materials that commonly appear in waste streams (that are, or may become, harmful by-products of the waste stream and/or its decomposition process).
As noted in the October 2009 Minister's Report on the Waste Diversion Act 2002 Review, metals, glass and wood are generally recognized as having good economic recyclable value, and should be diverted from landfills as part of the collection and pre-disposal steps.
Automobile tires are another material that is finding more creative re-applications from doormats to road construction. However, supply of unwanted tires may from time-to-time outstrip the demand for its alternative uses. Past incidents of stockpiled waste tires that have been ignited have resulted in cases of serious environmental pollution and health risk.
In such cases where storage becomes too costly or presents an environmental hazard, then the highest and best use for tires could temporarily be seen to be in the clean Thermal Energy From Waste, (TEFW), area, until other demand for used tires again catches up with supply.
Plastics. While certain grades of plastic are listed for recycling in municipal Blue Box programs, the current problem that exists with many plastics is that it is cheaply made and there is very little market for recycled plastic.
In Ottawa, for example, as storage space bursts with currently unmarketable plastic, often 100% of the conscientiously home-sorted plastic that is put into Blue Boxes, now goes straight into landfills. This below-the-radar practice is neither honest nor environmentally sound.
Until better plastic waste applications can be found, it is logical that clean TEFW could be considered one of the best interim uses for plastics that might otherwise sit in a landfill for 1000-plus years, breaking into smaller coloured shards that get mistaken by birds and animals as food, only to poison, entangle or suffocate wildlife, or pollute waterways and oceans and are thus consumed by fish and sea mammals in the same manner.
By turning the high thermal energy (enthalpy) of these same plastics into clean local sources of power, as a beneficial by-product of clean waste disposal within the very same communities, provides immense benefits for both the environment and the economy.
Polyethylene hay bale covers, from farms, are produced and discarded into landfills in ever-increasing amounts. While some enterprising uses, (such as deck and fence-building products), can be made from this material, demand has not kept up with supply and much of it continues to end up in landfills.
Clean TEFW may well be the on-and-off process to balance commercially non-viable oversupplies and deal with unsalvageable dirt-contaminated poly-bale covers, thus diverting them from landfills.
Roof shingles: One-and-a-quarter million tonnes of asphalt roofing is discarded annually in Canada; (Source: Paul Stastny, Alberta Construction Magazine, July, 2007).
Roof shingles are one of those
high-volume discard products that have high enthalpy and are thus a
valuable feedstock for clean TEFW processes. This may well be the
highest and best use for old asphalt shingles, by diverting them from


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Junk Food Rules
I have been known to offer a stashed candy bar to a child instead of getting up to peel an apple (said child refused my generous offer, and I was forced to put my book down). I have also grounded my kids from the vegetable tray (don't ask). That being said, I do care about my kids' nutrition, so we have developed a few rules about junk food:
- If you can't open it, you can't eat it.
- If I have to open it for you, I will charge a "Junk Food Tax".
- If you can't spell it (correctly on the grocery list), I won't buy it.
Junk Food Rule Reasoning
The reason for Rule #1 is that my kids tend to shy away from anything remotely "hard". I feel that motivating them to open things they really want will give them the confidence to open other things… like the toilet paper packaging.
Rule #2 came about from parties (etc.) away from home (where the kids don't know where the scissors are located). The JunkFood Tax is a bite of the treat I've been asked to open. Birthday party candy is small, so the kids try extra hard to avoid this tax. The smaller kids often need help, but they are much more open to the concept of sharing with mom.
The 3rd Rule stresses the importance of spelling… it's a skill that is strangely hard, even for my avid readers, so they need all the practice they can get.
Why Junk Food Rules?
My rose-colored dream is that the Junk Food Rules help remind the kids that junk food isn't a healthy (or easy) choice. Maybe they will grab a banana instead?


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Took today off in the hopes of doing some paddling but the doppler radar is looking ugly so we're delayed until tomorrow.
(click the image for larger view)
|Looking at Black Rapids Lock from the south side of the river
Last weekend I finally got to a new lock on the Rideau. Surprisingly it's one of the closest locks to the city of Ottawa yet I'd never visited there. Just 2 minutes from Hunt Club along Prince of Wales Drive is Black Rapids Lock. I figured being so close to the city it would be a little dump. Not so! You'd think I'd learn that each lock on the Rideau has it's own special charms. Unfortunately it's one of 3 locks that isn't hand cranked (and will never be switched back now that it's a heritage site) but it's still a very nice spot. Simple to get to and lots of lawns for a picnic, check it out even if you don't boat. For canoers and kayakers, there are 2 wonderful floating docks on the south side and I believe one good one on the north. You will need to bring your boats down from the parking lot but it's not to bad. There are meters in the parking lot, 4 bucks for the day.
|Wonderful blue skies and calm water
|Further to the south along the river we darted into some of the marshier areas
|The launch area on the south side of the lock. Pretty little cove.
|The north side of the lock
|The lock station itself. Weird not seeing chains on the hand cranks.
|The weir on the lock.
|Me trying to do the moody thing through the crank - hahaha.
On the "life" side of things it's been busy as well. The newer job I'm in is very demanding but I have to admit it's rewarding and I'm enjoying it now that I've put my stamp on it and have created the relationships necessary to function in the position. What the longer term will be I don't know yet but I should be there until Nov or Jan and then back to my old job I guess. But I'll return with a new look on things.
Jen and I are starting to prepare for the big move next month. Not much packing done yet but it won't be long now. Just 1 more month until we get the keys to the house and we start merging 2 households. The movers are booked but lots of logistics in front of us.
The divorce is slowly moving forward. Finally got served the papers that I've been waiting for since Feb and have been in paperwork hell to get everything in order. Yesterday I attended the new mandatory MIP session that the department of Justice puts on in the Ottawa court house. It's a decent presentation but way to late in the process. It gives good information about alternatives to court, such as mediation and arbitration. All things that I have been trying to do over the past 14 months and have gotten nowhere with. Another date with the lawyer next week to finish up some paperwork and then probably to our first court date (case conference) in early Sept. I keep holding out hope that she will come to her senses and see that this is an easy case that can be settled quickly in mediation. Court is going to cost both of us a fortune. I'm not kidding when I say the only one who wins in these things is the lawyers. When this is all said and done I think I'm going to write a full article on the past 14 months so others can see the process and where it all goes wrong and what to expect. It's all very confusing and frustrating. If people would just put their emotions in check it can be a very easy, simple and straight forward process. But more on that another day ;-)
Today is a no go for paddling but the next 3 are looking really good. Just need to check the winds. Time to put the boat on the truck (before the rain hits) and we'll be good to go. Jen and I have been at the farm most of the week while her daughter was off at camp but now we're moving to her place for the weekend.
Hope everyone has a great long weekend and I pledge to try and take more pictures ;-)


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Working at CBN
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The impact of technology at CBN
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Recently we had the opportunity to go on a Norwegian Cruise Line voyage. We vacationed onboard the new Breakaway that first set sail in April 2013, and travels from New York to Bermuda during the northern hemisphere summer months and to the Bahamas and Caribbean in the colder months.
The Norwegian Cruise Lines Breakaway is a state of the art cruise ship offering its passengers outdoor attractions in the form of pools, water slides, rope course, a climbing wall, as well as a basketball court, 9-hole mini golf course, and a jogging track.
The ship is equally impressive with its indoor facilities featuring an ultra modern gym, a spa with relaxation and treatment rooms contributing to the vacation atmosphere of the ship, as well as shopping facilities, an art gallery and children and youth clubs.
Then, of course, there are over a dozen of restaurants and bars both on the outside and decks for the thousands of travelers onboard to sample and enjoy.
The Ice Bar
On the Breakaway's elegant Deck 8, travelers will find a unique watering hole in the form of a sub-freezing temperature Ice Bar. The idea is not new and was first introduced back in the 1990s in the Ice Hotels; the
The idea is not new and was first introduced back in the 1990s in the Ice Hotels; the Icehotel in Sweden being the first permanent location that is still in existence.
Over the years, Ice bars became quite trendy, so it wasn't a surprise when the concept was adopted and taken onboard by Norwegian Cruise Lines.
An ice bar had already made the Norwegian Cruise Line famous when the Epic, (Breakaway's older sister) was featured on Chilloutpoint.com website as one of the best Ice Bars of the world, so naturally, company officials opted to continue the winning streak and put one on their newest ship too.
The venue is small and can fit 25 guests at any given time.
The process is simple: passengers pay, then wait to go in and can stay for 20 minutes if they can stand the cold for that long. The entrance fee covers two alcoholic drinks as well as a warm coat and gloves.
The Ambiance
The Bar's decor is a sculpted winter wonderland scene of New York City made out of transparent colorless ice and is lit with bright blue lighting that makes it look modern and mysterious.
It includes sculptures of the Brooklyn Bridge, the Chrysler and Empire State Buildings, the Statue of Liberty and a giant chair that becomes a dare to sit in because you can freeze your private areas off by doing so.
Since almost everything in the bar is constructed or sculpted of ice including the bar table, the walls, the floor, the door and even the drinking glasses, the venue makes for an unusual attraction to see.
The Menu
The locale menu is relatively simple with six specialty vodka cocktails inspired by the city that the ship sails out of: Spiked Apple Juice, Broadway Dreams, Yellow Cab, Times Square Lights, Central Park and Rock Center.
There are also two non-alcoholic drinks offered for passengers who are either underage or don't wish to consume alcohol appropriately named Lady Liberty and Coney Island, both fruit-based beverages.
Autism Dining Tips
- The Ice Bar admits children too and has non-alcoholic beverages on their menu for them.
- The bar can be crowded, and it is important to make reservations especially so you don't have to wait in long lines
- The venue is highly popular, so travelers need to make reservations as soon as they get on board since the spots fill up fast.
- It is important to talk to your kids about the dangers of frostbite and warn them against holding their bare skin next to the ice for prolonged periods of time.
- It is freezing and even though the Norwegian Cruise Lines Breakaway Ice Bar staff give you a hooded coat to keep warm, it is important that kids wear closed shoes and socks.
- Though it is interesting to see, the venue doesn't offer any entertainment, so younger kids might find it boring after the first few minutes of exploring the place.


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I love to read these threads, because they always remind me of the questions I would ask my mom.
My youngest is 9 now, but I have to agree with you who have said that there're isn't a specific age for almost anything. You can start to try as soon as you, the mom, think the child is ready.
Then just see how the child does. Our kids are small, so we automatically think they are fragile, but they aren't. They are tough and resilient, and are smart! So do your best, and dont let other moms tell you what is best fo YOUR baby. Listen to advice, but don't always take it. And call your mom! She'll get a kick out of these questions, and love to know that you still need her!
What age can your baby have a sippy cup?
Sippy cups are helpful for your child to transition from breastfeeding or bottle feeding to a cup. Is it ever too soon to start using a sippy cup? When is the right age?
I love to read these threads, because they always remind me of the questions I would ask my mom.
My son went straight from breastfeeding to a sippy cup. He never took a bottle. It was wonderful not having to take the bottle. I started him on the sippy cup around 5 or 6 months. I am doing the same for my daughter. She is 9 months and uses a sippy cup by herself and drinks from a reg. cup with help. No bottle at all for either of mine. One less thing to have to break them from. This worked for me but it may not for everyone.
I start mine when they're able to hold the bottle and control it well. With my first, that was around 4 months. It took her about 2 months to get used to the sippy, but once she did, the bottles were gone. With my latest one (he's #6), he's 7 months, and still not controlling the bottle extremely well, so we're holding off.
I believe that the transition from breast or bottle to the sippy cup should be when the child feels ready. A child, no matter their age, will give you an indication of when they are ready. For instance, my now 5 year old daughter and my 11 month old daughter started using sippy cups at young ages. My 5 year old went on the sippy cup full-time at 19 months and 2 days of age. We're working on our 11 month old. But, she, like her sister, started using the combination of the sippy cup and bottle from young ages. From memory, both of my daughter's started using the sippy cup by accident around the same ages and that was at roughly 6 or 7 months. So you see, sippy cup use, like potty training, should be done when the child is ready. Every child is different and they will tell you in their own way. That is what I have found in my 5 years of being a mum. Is there really such a thing as being the wrong time for situations like this???
My son was about 9 months when I started him on his - he was holding his bottles by then. With my daughter (9yr age gap) she wont hold her bottle but we give her a sippy cup with a straw and they are BPA free ones (had a huge recall about a year ago on all plastics) and she holds those and has had them since she was about 6 months...she likes them and we are happy with that - no spills and messes and no need to worry about making sure that she is getting enough water each day and staying hydrated...
I start introducing a sippy cup around 4 months. My first was completely ready for them and was drinking from one except at bedtime. She didn't even want a bottle by the time she was about 11 months old. Now, my second, who is now 8 months old, will use one if she has to, but she isn't loving the idea. Kids are different, so its appropriate at different ages. The important thing is to just keep introducing it, eventually the child will take to it.
i started mine on a sippy cup at 6 months
I think it just depends on the kid. I don't see how doing it earlier or later could hurt a child though. I know they sell transition sippy cups that are for 6months - 1 year old. My son started taking a sippy with a soft top and handles at about 7 months. Never wanted to touch an actual bottle after that. He was so happy to have that independence! He just got his milk in the sippy instead. Now transitioning from the beloved soft topped sippy to a toddler one? well.... LOL We had one horrible weekend out of town where he hardly drank anything because his sippy got lost and the local stores didn't have the right kind. Now thank goodness he is flexible and at two he is happier using a "big boy" cup like mommy and daddy do.
i knew i didnt want my son to be the "3 year old" still drinking from a bottle so after he turned one i took away his bottles and gave him sippy cups. he was ready for it and it worked out prefect. i know ppl that started there kids on the nuby cups at younger ages but not completely off the bottle. so i guess its all about if the child is ready and your personal views
I started a sippy cup with my daughter soon after she turned 1! Dentist dont recommend a bottle for long because of the way teeth grow in. So it's not a good idea to let your child decide! Because if they had it their way....they would suck on a bottle and pacifier until they are 4, like some children! I believe it is up to the parents to keep them moving along.
My daughter then used her sippy cup for 4-5 months only (because she started getting dependent on it and thought she needed everywhere she went and would throw tantrums over it. So, I could tell she was ready and (able) to learn to hold a cup! So about 19-20 months she started on a cup! She's been doing great and is much easier not to have her so attached to that sippy cup!
When they start weaning. My son had one from 5 months.
Practice practice practice lol I experimented with the cups and what not, but i started my little boy on his around 4-6months. Some cups are 4-6months. Then 6-12months 12-18months. Etc so if you are unsure, go by the age guide lines on these baby products, but if you dont think that your babs is ready then simply wait. Good luck. x
I'm a mother of twins boy's I introduce use the sippy cup when they was 4-1/2 months old, they doing really well with it, no much bottle at all, so I think is depend the child they all are different and different way...So is no age when you can start your baby a sippy cup ;-) Just try and see.
I started around 4 months old. I was breastfeeding and had just started baby cereals and fruits and never even owned any bottles. I continued to breastfeed the entire first year as that is baby's best nutrition and is formulated to your specific baby's needs by your body but I start offering a bit of food and a little bit of water/juice at 4 months.
I started the twins at 6-7 mos. They were scooting around in walkers with the cups. They tooked bottles when I was at work. I changed my schedule to keep my benefits but be home 3 days a week. I didn't want them to be 4 yrs old and sucking on a bottle, so I started them with breast milk in the sippy cups and they were off the bottle shortly after they started.
My baby girl breastfed until she was maybe a week before she turned one and used a bottle very seldomly and if not a bottle her sippy cup since about 6 months but aibce bout month 9 or 10 she actually doesn't like her sippy cup she likes drinking from her cup with a straw!
Help when should.a child start a sip cut and when to stop
My daughter was off the bottle at 1 year she is 3 now and using a normal cup by herself
I gave my baby a sippy at 12mths.. but she was drinking from a straw at 5mths.. a little one..lol..but i think they need to suck a nipple for the first year..
My son never did a sippy cup. From around the time he was 6 months old I would put a little bit of water in a child sized cup and give it to him. He spilled it mostly in the beginning, but he is now almost three and RARELY spills a drink! :)
I introduced the sippy around 7 or 8 months for juice. My son would not drink formula from it.. I never forced it on him I figured he would use it when he was ready. He was done with the bottle shortly after his first birthday and now will drink milk from his sippy cups without an issue. My son has always been very easy to transition. He gave the binky up on his own before 6 months. So the bottle transition was a breeze too.. This is not the case for everyone though some kids just aren't ready to switch yet
My son was eight months old when I gave him a sippy cup. I didnt try to force him to take it. One night I fixed his bottle for bedtime and a cup but I offered him the cup first. He went straight to sleep! So from that moment on it was the sippy cup for him. He's about to turn 3 in August. Now I have an 8 1/2 month old who is still on the bottle but picks up a cup if its in sight. I think she's ready for it so i'm going for the cup!! Please be aware that babies do give you the signs when they are ready for a change!
I gave all my kids sippy cups at 6 months old when they grabbed and held on to things
I agree with the answers below as far as age goes. No child is exactly alike and they take to changes when they are ready to do so. My daughter who is now 12, took to the sippy cup at 8 mths. And my now 18 mth old son, I knew he was ready once he grabbed my glass of milk and drank it through my straw. He was 11 mths. Ages will always vary :o)
My kids were started on sippy cups at the age of 1 year. Off the breast and on to the sippy cup the next day. Until they are drinking things other than breastmilk or formula they don't require a cup of any type.
I have tried as young as 6 months with my son. He thought of it more of a toy for a long time. He is just now getting it and he is a year old. With my daughter I didn't even try a sippy cup with her until 11 months and she pretty much got it right away. It is really a preference of when you decide. I have heard some start at 4 months.
When they start solids, offer cooled boiled water in a sippy cup after meals. My son drank water from a sippy cup from 6 months and breastfed till 11 months when he started drinking goat's milk (he was allergic to cow's milk) from a straw cup. My 8 mo daughter is breastfed and drinks water from a sippy cup too. She is better at holding it on her own than he was :)
Depends on baby and their development... My son
Went from breast to cup at 1 year
we started at 9 months with afternoon bottle, slowly switching out bottle for sippy cup ending with bed time bottle. they where completely off of bottles by 12 months.
My daughter was 4 months when we started but it took her a bit to get the hang of it. She was breastfed and refused bottles when I returned to school, so we got her using a cup. I think anytime between 4 and 9 months would be a good time to start. Every child and family is different.
I did the exact same thing as Rachel; breast fed my daughter & introduced juices to her in dippy cups around 6 months. I don't believe anything should go in a bottle except baby formula or breast milk. Or maybe a bottle of water IF the doc says the baby needs additional fluids & it's comforting to them at night. My sister used to put SWEET TEA in her baby's bottles! Can you believe it?? Oh, they're all oner 13 now & all have jacked up teeth & behavioral disorders. Don't know if the tea contributed to the latter but it sure can't have helped. And tea has caffeine in it, so I'm betting it did!!
I would say when they are old enough to hold one. My daughter was drinking water from a cup at 6 months old and now, at 13 months, doesn't use a bottle anymore.
6 months, that is what i read and that is what we did. our daughter loved her sippy cup right away. she always seemd interested in what we were doing/drinking so she seem like she felt pretty special when she had her own cup of juice.
I have a 6yr old son that i felt i gave the sippy cup very late. He was about 1 1/2yrs old. By then it was so hard to take that bottle away from him. Now i have a 7 month old which i just introduced the sippy to her and she loves it. I only give her the bottle at night before bed. I personally feel the earlier you introduce it the better because the younger the age the more flexible and resilient they are. It doesnt matter the age. if they like it then give it to them. it cant hurt. right?
When your child starts trying to hold bottle . about a year .
I started my dd on a sippy at 8 months and that was it...
well my son is now 22 monthz and he still have a sippy cup but i started him on a sippy cup went he was about 19 monthz and now i have a baby girl thatz 5 dayz old newborn and wen she get 19 monthz i will start her on a sippy cup too and i think thatz a rigth age.
straight from breast feeding to sippy cup
i started my daughter at 5 mo when she started juice we conpletly had the bottle gone by 10 mo
I gave my son a sippy cup at four months he didn't really use it, but now he's 11 mounths he used to it being in his environment and uses it with out any bother.
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People employed by others can get loans easily as they can submit proof of their income which would indicate that that they can make timely loan payments. But for the self-employed, this could pose a problem as they do not have any salary statement. In fact, the self-employed are generally granted loans at higher rates of interest as the lender may feel that he's taking a risk by lending to them.
Self-employed people need to keep certain points in mind when applying for loans in order to get the best possible rates:
A self-employed person would have to first summit the following documents-
There are self-employed loan deals where the interest rate is reduced after a certain period if the lender is satisfied that the borrower is making timely payments. Self-employed people can look for such deals.
Another way for a self-employed person to get a loan with reasonable terms is by providing proof to the lender that he is making timely payments on his other loans and bills. This would reassure the lender that the borrower indeed has a regular source of income.
There are many lending websites which display tables of the rates offered by different lenders. Also, on entering one's details, one can also know the rate that would be charged by the lenders in that particular website network. The borrower can compare terms and select the lender who offers the best loan rates for the self-employed.
Though a self-employed person may be earning handsomely, he would still need to take some trouble to show that he is earning a regular income.