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There are a lot of activities for which my skills are passable, and sometimes even impressive, but I've never been called a master. The same cannot be said of Whitney Miller, winner of last year's season of MasterChef.
She handled both the snarling and temperamental Gordon Ramsay and dour, cantankerous Joe Bastianich with good ol' Southern class and aplomb. I was really impressed by that and pulled for her from the get-go. To add to my respect for her, she's now come out with a terrific cookbook called Modern Hospitality: Simple Recipes with Southern Charm, in which dear Whitney treats readers to a fresh take on classic dishes that have been passed down throughout generations of Southern women in her family. The book features everything from comforting beef chili to clever upside-down quiches to surprising sun-dried tomato and cranberry ketchup, complete with lovely pictures and short descriptions of each dish.
One of the recipes I opted to use as a gauge for her greatness was for Toasted Coconut Cupcakes with Lemon Glaze, and it yielded some magnificent little treats. Although I went ahead and frosted some with a bit of coconut swiss meringue buttercream (yeah, I did it), the lemon glaze was a wonderful accompaniment to the soft, fluffy, nutty cakes.
Toasted Coconut Cupcakes
from Modern Hospitality: Simple Recipes with Southern Charm by Whitney Miller
1 1/4 cups cake flour
1 teaspoon baking powder
1/2 teaspoon baking soda
1/4 teaspoon salt
8 tablespoons (1 stick) unsalted butter, at room temperature
1 cup sugar
1 large egg plus 2 large egg yolks, lightly beaten, at room temperature
1/2 cup whole milk
1 teaspoon canned coconut water
1/2 teaspoon pure vanilla extract
1 cup sweetened shredded coconut
Lemon Glaze
3/8 teaspoon grated lemon zest
2 teaspoons fresh lemon juice
1 cup confectioners' sugar, sifted
Preheat the oven to 350°F. Line the cups of one 12-cup muffin tin and 4 cups of a second 12-cup muffin tin with paper liners.
To make the cupcakes: Sift together the flour, baking powder, baking soda, and salt in a small bowl.
Place the butter in a large bowl and stir until it reaches a creamy consistency. Slowly stir the sugar into the butter. Slowly stir in the egg mixture. Add one-third of the flour mixture. Add one-half of the milk. Continue adding them alternately, ending with the flour mixture. Stir the batter after each addition. Stir in the coconut water and vanilla.
Fill the paper liners half full of batter. Bake until a toothpick inserted in the center of a cupcake comes out clean, about 14 minutes. Leave the oven on. Transfer cupcakes to a rack to cool, about 20 minutes.
To make the topping: Spread the coconut on a baking sheet and bake until lightly browned and fragrant, 7 to 8 minutes. Transfer to a shallow bowl and let cool.
To make the lemon glaze: Mix together the lemon zest, lemon juice, 2 T water, and confectioners' sugar in a small shallow bowl.
To assemble, dip the top of a cooled cupcake in the glaze. Immediately dip the glazed top in the coconut. Allow the glaze to set before serving or storing the cupcakes.
I also tried a recipe that required me to step out of my comfort zone. Although I enjoy basil pesto, I had my doubts that anything involving turnip greens could be edible, much less delicious. To my surprise, Whitney's Turnip Greens Pesto was flavorful and perfect to use as dressing for a batch of Mediterranean pasta salad.
Turnip Greens Pesto
from Modern Hospitality: Simple Recipes with Southern Charm by Whitney Miller
11 turnip green leaves, ribs removed
2 1/2 tablespoons chopped walnuts
1 garlic clove, peeled
Salt and ground black pepper
2 tablespoons extra-virgin olive oil
2 tablespoons butter, melted
2 tablespoons grated Parmesan cheese
Fill a large pot halfway with water and bring to a boil over high heat. Place the turnip greens two at a time in the boiling water for 30 seconds. Remove the leaves and drain on paper towels and pat dry. Stack the leaves on top of one another. Roll into a cigar and cut crosswise into 1-inch-wide strips.
Preheat the oven to 350°F. Place the walnuts on a baking sheet and bake until lightly toasted, about 5 minutes.
Place the turnip green strips in a food processor. Add the toasted walnuts, garlic, 1/2 teaspoon salt, and 1/8 teaspoon pepper. Process until it begins to form a paste, about 2 minutes. With the processor running, drizzle in oil and butter. Add the Parmesan andpulse 2 or 3 times. Season to taste with more salt and pepper. Transfer the pesto to a small bowl.
Well done, Whitney. Keep up the good work--you're doing us Southern gals proud!
Good news! I have an extra copy of Whitney's cookbook, so if you'd like a shot to have it on your bookshelf, leave a comment below and you'll be entered to win. Tell me who intimidates you more, Gordon or Joe? Tell me if you agree that Graham is almost completely useless as a judge. Tell me who you're pulling for this season. Tell me you've never seen the show before in your life and have better things to do with your time. Regardless, I'll close the comments on August 14th, do a random drawing, and contact the winner shortly thereafter (assuming he or she leaves a way to be reached). Good luck!


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Federal Premium Trophy Bonded Tip 7MM STW 160 Gr.
Product Features
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$189.99 $210.99 You Save 9% ($21.00)
The Slyde Grom is the ultimate fun board and awesome starter shred stick that will turn your bodysurfing session into the time of your life. Made with super advanced construction, an ultra buoyant EPS foam core and extra sticky EBS top skin with a buttery smooth HPDE slick bottom that will have you racing down any wave like a pro, no matter your skill level.
Service | Shipping cost | Delivery Time |
Ground | Ground: Free for purchase over $100 | Delivery Time: 5-10 working days with Free Shipping |
Aus post | Priority: Calculated and charged at checkout | Delivery Time: 1-3 Working Days for Pathe id option |
Our shipments are from Monday to Friday (except Public Holidays). Orders placed on Friday after 1 pm, Saturday and Sunday will be processed on Monday morning. The delivery timeline is provided as reference only. We do not take responsibilities for any delays caused by payment authorization or delays arising due to customs clearance procedures at destinations. Please note: you are responsible for any costs incurred for customs in your home country
All our products undergo comprehensive quality control and are checked for damage before they are sent to customers. Should you receive an item that is not up to your standards, please contact us at firstname.lastname@example.com All return items should return to us within 30 days after receipt. Please include
We offer a comprehensive warranty that covers virtually all parts, systems, and components of your Slyde Gear for a 1 year from purchase, and in some cases longer. If in the unlikely case your product breaks from manufacturing default within the period you may return it for a refund, or store credit. Please see our full Stoke Policy for details.
in order to initiate a return please contact us First and provide your
Your order number, Your full name, address, and postcode
All boards must be returned in the same conditions as sent. Please state that the parcel is a 'returned Item'. In the case that the damage was caused by inappropriate use of treatment of the product, no warranty or refund is provided. This also applies to damage caused by wear and tear. Upon receipt of the returned item(s) we will send back the correct item(s) to you. The shipping cost of sending incorrect/faulty & damaged item(s) will be fully refunded. Shipping, taxes and duties' costs on replacing faulty or damaged item(s) will not be charged to you after the initial delivery. Slyde Handboards reserves the right to refuse returns that are sent without the Return Authorization Number and proof of postage.
Further information, please see our Returns Policy.For queries relating to handboards, sizing, returns and exchanges, please email email@example.com.
Customer service by phone is available between 10 am and 5 pm Aus East coast standard timeThe answer to this is always the same; Try it, It is the perfect size to get the most lift and speed out of waves ranging between 1 to 7 feet. If you dont like it, return it we wont mind.
Yes you can. You can check out our accessories here
Absolutely, We stand behind our products if you dont like something about it then please return it for a full refund, no questions asked. for more quuestions visit our FAQ page here


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Synopsis: | A Rat Pack romp. Spyros Acebos (Tamiroff) comes up with a plan to simultaneously rob five Las Vegas casinos on New Year's Eve. Danny Ocean (Sinatra) will lead his buddies--all of whom are veterans of the 82nd Airborne Division--in the action by shutting off all the electricity. The planning's elaborate but the plan itself goes wrong (so what else is new) and the gang can't get their stolen loot out of the city. |
Directed by: | Lewis Milestone |
Cast: | Frank Sinatra, Dean Martin, Sammy Davis Jr., Angie Dickinson, Peter Lawford, Richard Conte, Cesar Romero, Joey Bishop, Akim Tamiroff, Henry Silva, Buddy Lester, Norman Fell, Red Skelton, Shirley MacLaine, George Raft |


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Best Internet Providers in San Jose de Buenavista, Western Visayas for 2024
This information on internet performance in San Jose de Buenavista, Western Visayas, Philippines is updated regularly based on Speedtest® data from millions of consumer-initiated tests taken every day. After you've learned about median download and upload speeds from San Jose de Buenavista over the last year, visit the list below to see mobile and fixed broadband internet speeds from additional cities within Western Visayas, Philippines. Then compare your internet experience by taking a Speedtest below.
For additional up-to-date information about internet speeds in the Philippines as a whole, visit the Speedtest Global Index™ or read our recent Market Reports for provider information.
San Jose de Buenavista Fixed Speeds
Download Mbps
Median download speed
Upload Mbps
Median upload speed
Latency ms
Median latency
To be added to this list for mobile or fixed broadband, 75% of a city's monthly unique user totals over a 13-month period must have a minimum of 200 monthly unique user results. To be updated for mobile or fixed broadband, 75% of a city's monthly unique user totals over a 13-month period must have a minimum of 100 monthly unique user results.
An operator or ISP must account for 3% or more of total test samples in the market to be on this list. We display data if at least two operators or ISPs meet this threshold in a designated region or city.
Cities in Western Visayas
- Bacolod
- Bago City
- Barotac Nuevo
- Cabatuan
- Cadiz City
- Calatrava
- Don Salvador Benedicto
- Dumangas
- Enrique B. Magalona
- Escalante City
- Himamaylan City
- Iloilo City
- Isabela
- Kabankalan
- Kalibo
- La Carlota City
- Lambunao
- Leganes
- Makato
- Malay
- Manapla
- Moises Padilla
- Murcia
- New Lucena
- Oton
- Pavia
- Pontevedra
- Pototan
- Pulupandan
- Roxas City
- Sagay City
- San Carlos City
- San Jose de Buenavista
- Santa Barbara
- Silay City
- Talisay City
- Tapaz
- Tigbauan
- Toboso
- Victorias City
The data found within has not been subjected to the rigorous Speedtest marketing claims and data methodology, and therefore cannot be used in commercial applications. Additionally, promised speeds and plans offered are always subject to change.
How to test your internet speed
Speedtest can help you test the speed and overall performance of your internet for free from any device. Click here to open a new page and take a Speedtest. You can then compare your results with what you've learned about internet performance near you. If you aren't getting the results you expect, you can either use this guide to use your Speedtest results to talk to your internet provider or you can shop for a new provider.


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You only need to do this once, the first time you use Universalis.
Universalis gives you various local calendars, for various parts of the world. If you haven't already done so, you should tell Universalis which calendar you want.
Open the Universalis program. The top of the screen will look something like this:
Click on the word "Universalis", and you'll see a menu:
Select the "Preferences" option.
In Preferences, look at the Calendars tab and make sure that you have selected the local calendar that you want.
Universalis gives you a choice of translations, so choose the ones you want (if you haven't already done so in the past).
To do this, use the Translations tab of Preferences.
With the Universalis program open, open the "File" menu and select the "Create e-book" option:
A window will appear, asking you what e-book format you want: choose ePub, not Kindle. On successive pages, it will ask you what dates you want to cover in your e-book, and what pages you want for each day.
Finally, Universalis will create the e-book you have asked for. How long the creation takes depends on the size of the e-book, but it shouldn't take more than half a minute or so.
When the e-book is ready, this is what you will see:
The final step is to transfer the file to your e-book reader.
Each e-book reader is different. But your device will have come with instructions for transferring e-book files to it from your Mac.
Please note that the e-books you create are for your private use only and must not be given or distributed to other people.
This web site © Copyright 1996-2019 Universalis Publishing Ltd · Contact us · Cookies/privacy |


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Bespoke floral design and a keen eye for detail are what takes Toronto Blooms a notch above the rest. We take care to hand-pick every stem that goes in to your bouquet, so that your floral arrangement is nothing less than a work of art. Our classic collection of floral gifts are sure to impress your loved ones no matter what the occasion. Take your pick from our selection of hand-tied bouquets and boxed sets or even create a custom arrangement that will make for a gift as unique as it's recipient. What's even better? You can have your gifts delivered to them on the Next day as you make your purchase provided you make an order before 2 pm on that day - definitely a great option for those last minute gifts!
Here at Toronto Blooms, we're proud to service the Waterloo region, providing free shipping, Next day delivery, and countless other services. Read on to learn more, or view our extensive collection of floral gifts today.
Toronto Blooms offers flowers gifts for all occasions that ship for free to Waterloo and other select areas across the GTA on orders over $100 CAD. Toronto Blooms is proud to also offer Expedited Ground Service and Premium Air Delivery options. For more information regarding free shipping to Waterloo, view our Shipping & Delivery page HERE
Between free shipping, regular service to the Waterloo region, and a wide range of floral gifting options, it's easy to find the perfect gift for any occasion with our bespoke flower designs.
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Top Business Bankruptcy Lawyers near you in North Dakota
Please click a city below to find qualified local North Dakota Business Bankruptcy lawyers.
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Blue Jays - 023 032 011 - 12 17 0From the start, it felt like a spring training game. The Boston lineup began with Joey Gathright, Josh Reddick and Casey Kotchman. Rocco Baldelli made his major league debut at third base in the seventh inning. And third-string catcher Dusty Brown pitched the ninth.
Red Sox - 000 000 000 - 0 3 0
The Blue Jats hit another four home runs, including two from Randy Ruiz, who also singled and doubled. Toronto had at least two baserunners in every inning but the eighth -- when they had only a solo home run.
Roy Halladay (9-3-0-2-6, 100) began the night by pitching five no-hit innings and finished with his second consecutive complete game shutout.
Wakefield (3-7-5-2-2, 76) and Manny Delcarmen (1-3-2-0-0, 19) both pitched terribly -- the hits off MDC were a home run, triple and single -- and did nothing to show they belong on the ALDS roster.Roy Halladay (2.90, 151 ERA+) / Tim Wakefield (4.33, 109 ERA+)
And for Games 158, 159, 160, 161, and 162, they rested. With five games remaining in the regular season, Terry Francona's only concern should be making sure every player on the roster is well-rested and ready to go when Red Sox begin the American League Division Series in Anaheim next Wednesday or Thursday.
Jason Bay:
You want to kind of get your legs back under you, but at the same time, you don't want to get rusty, too. It's a fine line. ... The last thing you want to do is kind of go into the playoffs and have to flip the switch. ... A day or two for everyone around here would definitely help. ... just a refresher.Wakefield is making only his fourth appearance since the All-Star break. He is pitching on eight days rest. ... Halladay has a 1.80 ERA in five September starts.


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LYON, France – The conviction of former Liberian President Charles Taylor for offences including aiding and abetting war crimes, crimes against humanity, rape and murder by the Special Court for Sierra Leone has been praised as a 'landmark' decision by INTERPOL.
The world police body, which had issued a Red Notice, or international wanted persons alert, for Taylor at the request of the UN-backed war crimes tribunal welcomed the historic ruling, marking the end of the trial which began in 2007, as a milestone for justice.
"Charles Taylor's conviction clearly demonstrates the commitment and resolve of the Special Court for Sierra Leone, and INTERPOL will continue to work closely with all international tribunals to identify, locate and bring to justice those individuals accused of war crimes," said Stefano Carvelli, head of INTERPOL's Fugitive Investigative Support (FIS) unit.
Since the issue of the Red Notice in December 2003, INTERPOL's FIS unit has been liaising with the Special Court for Sierra Leone, particularly in 2006 after Taylor's escape from custody in Nigeria just days before he was due to be handed over to the court.
Officers from FIS have also worked closely with the National Central Bureaus in Sierra Leone, Liberia and other involved member countries and in 2009, a Red Notice was issued for Benjamin Yeaten, the former Director of the Special Security Service under Charles Taylor, who is wanted by Liberian authorities for murder.


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Um ya, so up for grabs is Tula Pink's Designer Select fat quarter bundle which is exclusive to Fat Quarter Shop! The bundle features 15 fat quarters - 12 prints from Prince Charming and 3 coordinating Free Spirit solids - selected by the lovely and super-talented Tula Pink herself!
The bundle will appear (magically I say!) directly from Fat Quarter Shop all prettily folded just like the above! Up there you can see the same bundle that I received from Kimberly and let me tell you - it is super-gorgeous!
This is one of my absolute most favourite prints which I lovingly refer to as "the Tula turtle" or "TurTula" (you don't want to be my friend anymore, do you?); my favourite little scene in this one is the girl sitting on the chair with her umbrella under the rain, do you see it? Isn't it awesome? I kind of want to play a little game of I-Spy with this print - can you see the bicycle? The fire hydrant? The peach tree? Eeeek!
And the super-duper Prince Charming himself! Oh yes, be still my pitter-pattering little heart - that is one handsome fella! His little bee friend just kills me!
So I bet you want to know how to enter right? Well I'm going to give you three chances (three seems like such a nice little number, doesn't it?)...
*The giveaway is now closed*


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No syntax errors found. CIF dictionaryDatablock: s92
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Yamaha High-power Outboards
Leading the Way
Power, reliability and efficiency. These are the advantages of owning a Yamaha F200 V6.
The Yamaha F200 V6 has built a legendary reputation for its excellent economy and unrivalled reliability.
The F200 V6 takes advantage of variable camshaft timing (VCT) to increase low and mid range torque without compromising on maximum output and top end performance. VCT advances and retards the camshaft timing according to the engines RPM in order to increase the intake and exhaust efficiency at low and mid range RPM to obtain better power and acceleration.
The F200 V6 also features a single throttle valve that is controlled electronically by the engines ECM. This enables precise control over the intake of air, which is smoothly routed into each combustion chamber through the surge tanks and the long intake manifold for greater power. Long intake manifolds are designed to increase air flow and work in harmony with the variable camshaft timing to boost low and mid-range torque and achieve quicker acceleration.
The F200 V6 can be matched with the leading edge Yamaha Digital Network System. Which means you have up to the second information on the operation of your outboard at your fingertips


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A cast of seven will play 38 roles. Twelve English handbells, along with a few whistles, tambourines, drums and other percussion paraphernalia, will make up the orchestra. A projection system will create the special effects needed for the vastly changing size of the set.
What may sound like a backyard production by young people is actually an ambitious professional staging of an adult opera by composer Peter Westergaard based on a children's classic.
The world premiere of "Alice in Wonderland" is set for 8 p.m. Thursday, May 22, in Richardson Auditorium of Alexander Hall at Princeton University. At 8 p.m. Tuesday and Wednesday, June 3-4, the opera will be performed at the Peter Jay Sharp Theater in Symphony Space, Broadway at 95th Street in New York.
Reviewer Anthony Tommasini of The New York Times described a semi-staged reading of the first half of the opera in 2006 as "dramatically fantastical and musically modernistic."
The work is the sixth opera by Westergaard, who transferred to emeritus status in July 2001 after 33 years on the Princeton music faculty.
"I've been thinking about 'Alice in Wonderland' for four decades," said Westergaard, who also will direct the production. "Most of my opera ideas cook for a long time. Then when I feel ready, it's the next one."
The opera is true to the Lewis Carroll tale. It follows a girl named Alice as she falls down a rabbit hole into an astonishing world populated by strange creatures.
Soprano Jennifer Winn will play the role of Alice. The rest of the characters -- ranging from the hookah-smoking Caterpillar to the violent Queen of Hearts -- will be performed by six singers: countertenor Marshall Coid; mezzo-soprano Abigail Fischer; soprano Karen Jolicoeur; bass Eric Jordan; tenor David Kellett; and soprano Amaia Urtiaga. Five of the singers sang the first half in New York two years ago, and Kellett is a veteran of Westergaard's operas -- this is his third. Their costumes have been designed by Sarah Cubbage for rapid changes.
The singers also will make up the orchestra, playing a set of 19th-century English handbells loaned by collector Scott Parry, a member of Princeton's class of 1954, as well as a variety of other percussion instruments and contraptions for sound effects. Conducting will be Michael Pratt, conductor of the Princeton University Orchestra and a longtime collaborator with Westergaard.
"The bells are the stabilizing factor -- they provide pitch anchors for the singers," Westergaard said. "There are some percussion instruments that might help -- tuned rototoms, for example -- but you can't really get a pitch from a drum like you can from a bell. So the bells represented a way of solving the problem, but also as I began to work with them I realized what a marvelous sound they produce and how beautifully they blend with voices. They don't stick out as being something separate -- they really become part of the vocal ensemble."
To deal with the issue of Alice as she grows larger and smaller during the course of the story, scenic designer Alison Carver and lighting designer Christopher Gorzelnik are using a rear projection system to project the scenery at different sizes. If Alice is larger than normal, the table next to her will be projected smaller than normal. Video also will be used in the opera at one point.
Westergaard, who earned his master's degree from Princeton in 1956, said he was particularly drawn to the idea of writing an opera based on "Alice" because of its characters.
"They're so highly individual and such fun," he said. "Something a little bizarre is actually better for opera, which is already bizarre because people sing instead of speak. You create an alternate reality, and to do that you don't have to make things the same as they are in real life, you just have to make them consistent.
"Carroll played 'what-if' games with children," Westergaard added. "That works very well for opera because that's what you do. You say, 'O.K., in this world these are the rules of time and space.' Having a logician like Carroll running your dream is more or less ideal. It's sort of made to order. Once you take that leap of faith, it cries out for a musical equivalent."
The performances of "Alice in Wonderland" are being presented by Princeton's Department of Music and the Center for Contemporary Opera in New York. Tickets for each performance are $45 for general admission or $10 for students. They are available for the Princeton performance online through University Ticketing at or by calling (609) 258-5000. They are available for the New York performance online or by calling (212) 864-5400.


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Ted Baker
Ted Baker 10009249 Men's Jaknite Quartz Brown Leather Strap Gold Tone Sunray Dial Day Date Watch
We Support Direct Relief
With My Gift Stop our mission is to help our customers save by offering a quick and easy solution to find an amazing last-minute gift for their friends and loved ones! We believe in being of service and want to give back! The great people at Direct Relief help those affected by poverty or struck by disasters to improve both their health and their lives. We want to do our part in supporting their cause by donating a portion of the proceeds from every order placed on MyGiftStop.com to Direct Relief.
Thanks to our customers, we have donated over $76,000 to Direct Relief.
Returns are accepted within 30 days of delivery in original condition.
Free return on orders over $100 within the contiguous US.
Extended holiday return starts on November 1st of each year.
For health and safety reasons, personal care products cannot be returned once opened.
Visit our Return Policy page for complete details.
Free standard shipping within contiguous US on orders $50+ (pre-discount), otherwise it's $3.99. Expedited shipping is available.
International standard shipping starts from $4.99. For Australia and Canada shipping is free on orders overs $400.
Orders submitted by 1:30pm ET are generally ship the same day, except weekend and holidays.
Visit our Shipping Policy page for complete details.
Each watch we sell is backed by an 1 to 5 year limited warranty. Warranty length various by brand.
Sunglasses are covered by an 1-year limited warranty.
Zippo Lighters
All Zippo lighters come with Zippo's lifetime limited warranty.
Visit our Warranty page for complete details.
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All products sold on MyGiftStop.com are 100% authentic. My Gift Stop purchases its inventory via authorized dealers or respected industry wholesalers/distributors, and in many cases directly from the brands. All products will have their original manufacturer's serial numbers, where applicable, intact.
All products sold on MyGiftStop.com are brand new and not refurbished or factory seconds.
The dial is gold tone and it features conservatively sized, index hour markers and green accents silver tone luminous pencil shaped hands for optimum legibility. Ted Baker 10009249 also features a day and date display functions. This piece has a mineral crystal for scratch resistance. Governing this fine piece is quartz mechanism. The water resistance comes in at 30 meters. The Ted Baker 10009249 watch is brand new in its original packaging and is backed by a 2 year limited warranty.


text: Riad-Palma-Boutique-Hotel-Mallorca-14 By Andrew Forbes Andrew Forbes Andrew is a Marketing Communications consultant, working within the wellness, travel & lifestyle sectors. His track record in PR, marketing and branding spans 30 years. He writes regularly on international wellness, travel, and lifestyle themes with a particular passion for the Mediterranean and the Americas. Originally from the UK, Andrew Forbes has lived in the US and France but now calls southern Spain his home, where he is a specialist in hospitality marketing and content, as well as a Contributing Editor for Spain's leading English language newspaper. www.andrewforbes.com


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Buyers Corner
Congratulations! You have decided to make your dream of owning a home into a reality.
Coastal Title is ready to help to handle your title ownership, you have a committed partner on your side. We're here to help guide you through every step of your transaction and ensure a smooth closing experience.
As your trusted resource, we'll provide you with the information and resources you need for a rewarding journey to homeownership. Let's start by reviewing some important considerations in the home-buying process.
How much home can you reasonably afford?
Before you begin the search for your dream home, decide how much you can comfortably spend. Mortgage lenders most often will take into consideration all of the following:
The size of your down payment
Your job stability
Existing debts
Credit references
Payment history
Knowing your credit status and how credit agencies rate your credit also may be a deciding factor, especially when you begin talking to lenders. There are three main credit-reporting agencies that will send you the most current credit report on file.
(800) 997-2493 -
Trans Union®
(216) 779-2378
Lenders usually use the following two qualifying guidelines to decide how much of a loan you can manage:
Your monthly housing expenses: mortgage payment, property taxes, insurance, etc. These expenses should total no more than 28% of your monthly gross income.
Your monthly living expenses and any long-term debts: utilities, car and school loans, child support, health and car insurance, etc. These expenses should be no more than 36% of your monthly gross income.
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Choosing the Best Real Estate Agent for You
Once you've assessed your spending qualifications, you will need to find a real estate agent to help you find your perfect home. It's important to choose an agent who is responsive to your needs and can guide you through each step of the home-buying process.
Here are a few simple guidelines for finding the right agent for you:
If you already know the neighborhood where you would like to live, find an agent within that community.
Seek an experienced agent with a known reputation; look at credentials, track records and awards received.
Look for someone who is a member of the National Association of REALTORS®.
Find someone who is continuing their education, like a Certified Residential Specialist, a Certified Residential Broker, a graduate of the REALTORS® Institute or an accredited buyer's representative. This shows the agent is invested in their career and the industry.
Seek referrals from your family and friends.
Interview at least three agents before you make your final decision.
If you are being referred to an agent, here are some questions you will want to ask about him or her:
What were they like to deal with?
How hard did they work for you?
Did they get you a good price?
Were there any complications?
Did they always tell you the truth?
Were they always looking out for you or just interested in getting paid?
Would you use their services again?
Once you've narrowed your options to your top three potential agents, ask these questions of your finalists:
How many buyers have you successfully represented in the last six months?
Can I have the names and phone numbers of three to six of your most recent buyer clients?
Do you deal mostly with home buyers or primarily with home sellers?
Which professional designations do you have?
Are you fully automated with your own personal computer, fax machine, copier, smartphone, voice mail, etc.?
What is your commission? Or do you have hourly rates or a set fee?
Do you have a list of home inspectors, insurance agents and reputable lenders for me to consider?
Which clauses will be included in our offer to protect us as buyers?
Will you try to sell me one of your listed properties before you show me listings from other real estate companies?
Do you have information about For Sale by Owner properties?
How will you help me save money?
How will you protect my interests, and why should I hire you rather than another agent?
Now, here are some questions to ask yourself after the final interview of potential agents. The answers to the following questions will increase your chances of choosing the best real estate agent for you and your family.
Which one returned your phone calls?
Which one asked questions to determine what you want/need in a home?
Which one performed a financial analysis to determine how much you can afford?
Which one suggested financing methods?
Which one seemed most knowledgeable about the community?
Which one explained things most clearly?
Which one did you feel most comfortable with?
Keep in mind, home buyers, you need to search for a real estate agent the same way that home sellers do.
You see, there are two sides to every sale. The seller's side is represented by the listing agent. The buyer's side is represented by the selling agent. The selling agent is also referred to as the buyer's agent. Usually, real estate commissions are paid by the seller. For this reason, the selling agent, although representing the buyer, has certain duties to the seller. If you, as the home buyer, want to have a real estate agent represent only your interests, you will need to hire and pay commission to your own real estate agent. These real estate agents are generally referred to as buyer's agents.
If you call a single classified advertisement in a newspaper, an ad in a home-selling magazine or an online listing, you most likely are calling the listing agent.
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Selecting the Most Advantageous Mortgage Lender
Your real estate agent will guide you through the process of securing a mortgage lender that best fits your financial needs.
Every lender is different, so be sure to choose one that will work with you and your specific needs. Shop for lenders offering the best deals. Check with several mortgage companies and use one or more reporting services. If there isn't a reporting service covering your area, begin the search at your own bank or through any of the following sources:
Independent Mortgage Companies
Independent mortgage companies make up over half of all home mortgages, including most VA-guaranteed and Federal Housing Administration (FHA)-insured loans.
Savings Institutions
Savings and loan associations and savings banks originate close to a quarter of home mortgages. Most are conventional loans – those not guaranteed by the Veterans Administration or Farmers Home Administration, or insured by the FHA.
Commercial Banks
Commercial banks are active in residential lending. Banks also are a major supplier of loans for mobile-home buyers.
Mortgage Brokers
Mortgage brokers act as intermediaries. A broker keeps tabs on the mortgage market through ties to local, regional, and national lenders, and can refer a prospective borrower to a mortgage banker, savings institution or a commercial bank. Brokers don't lend money and can't approve loans.
Credit Unions
Credit unions make close to one third of all first-mortgage loans, but you must be a member.
Public Agencies
State and local finance agencies make below-market-rate financing available to eligible low and moderate income, first-time buyers through the sale of tax-exempt bonds.
Employers and Unions
Don't overlook your employer as a source of assistance. An employer may subsidize the interest or even act as a lender. Unions are another possibility. The AFL-CIO offers what it calls "union privilege". Unions that sign on can make first-time home loans available to eligible members for as little as 3% down.
Remember, your real estate agent should be able to provide a great deal of assistance in finding the right lender for your transaction.
Choosing the Right Mortgage
The next step in your journey is choosing the right type of mortgage for your individual financial needs. While there are some people who can and do pay cash for a new home, most require mortgages. This is where your lender's skills and knowledge will take effect.
Quite simply, you are shopping for a loan from a mortgage lender, and pre-qualifying before house hunting puts you ahead of the game. Your research into how much home you can afford will show you which mortgages you qualify for.
First, review the major types of mortgages you may encounter. The following list contains the mortgages you are most likely to see. Again, ask questions; your lender will be happy to explain each type of loan arrangement and satisfy all your concerns.
Fixed Rate Mortgage (FRM)
This is the standard mortgage model. It is the oldest and most easily understood type of mortgage. Its primary attraction is that the interest rate and the amount of payment remain fixed for the life of the loan, typically either 15 or 30 years. However, if rates fall, the holder cannot benefit from the new, lower rate, except by refinancing.
Adjustable Rate Mortgage (ARM)
With this kind of mortgage, the interest rate you pay rises and falls along with other rates charged throughout the economy. Therefore, you, the borrower, assume the risk of rising rates, and you stand to benefit should rates fall.
An essential question to ask about an ARM is whether there are limits on how much your rate can be raised, both at each review and over the whole term of the loan. Without limits, known as caps, you'll have no way to predict how much your rate and, thus, your monthly payments might change.
Convertible Option
FRM and ARM represent the primary options available to home buyers today. The convertible mortgage represents something of a compromise between the two. It is designed for those who want the advantages of the ARM, but also want to limit the risk of rising rates.
Under this arrangement, the buyer starts out with an ARM, but has the option of converting to an FRM at specified points during the loan term. You may want to ask the lender these questions: When can you convert? How often can you consider the option? Are there any up-front fees involved? Will you have to pay more for an ARM with the conversion feature than for an ARM without it? Are there additional fees due if and when you decide to convert? Find out the lender's conversion rate.
Graduated Payment Mortgage (GPM)
A fixed rate GPM starts out with low payments, usually below that of a fixed rate and possibly that of an ARM, but rise gradually (usually over five to 10 years), then level off for the remaining years of the loan.
Growing equity mortgage (GEM)
This option is designed for borrowers who want to pay off their mortgage as soon as possible. Therefore, the interest rate remains fixed, but the amount of the monthly payment increases according to a prearranged schedule, with the higher payments going to reduce the principal balance. This mortgage can be appealing to someone who is expecting regular income growth and wants to build equity quickly.
15-year Mortgage
Like the GEM, the 15-year mortgage enables borrowers to repay their loan more quickly, which means they build equity faster and pay less interest over the life of the mortgage.
Biweekly Mortgage
Another option for people who want to repay their loans sooner is the biweekly mortgage. Instead of making a single mortgage payment each month, borrowers who choose this option make two equal payments monthly.
Federal Housing Administration (FHA) Insured Loans
The FHA operates under the control of the Department of Housing and Urban Development and has the primary responsibility for administering the government home loan insurance program. This program allows buyers who might otherwise not qualify for a home loan obtain one because the risk is removed from the lender by the FHA.
What is an FHA loan?
In 1937, under an act of Congress, the Federal Housing Administration was established to provide American families with a unique opportunity to become homeowners. Before that, a home buyer's options were limited only to short term loans, ranging from one to five years in term. Borrowers had to put as much as 40% to 50% down on the property and pay off the entire loan balance by the end of the term. FHA revolutionized the mortgage industry at the time by offering the 30-year mortgage and made the possibility of homeownership available to Americans nationwide. Throughout the years, a variety of programs have continued to make homeownership easier and more affordable to Americans.
There are several, notable FHA home loan programs available.
Standard fixed rate (FHA 203b)
FHA adjustable rate mortgage (FHA 251)
FHA 2-1 buy-down (FHA 203b, FHA 251)
Energy Efficient Mortgages Program
Payment Problems
Should one fail to pay, FHA insures mortgage loans made by approved lending institutions. The FHA insures a variety of mortgages, including FRMs, ARMs, GPMs and GEMs. Down payments are low: 5% or less. The FHA doesn't set the interest rate on loans it insures, so you'll need to shop around for the best rate.
The FHA limits the amount it will insure to whichever is less: 95% of the local average home price or 75% of the loan limit set by the Federal Home Loan Mortgage Corporation, a large buyer and reseller of mortgages.
Veterans Administration (VA) Guaranteed Loans
VA loans have most of the advantages of FHA loans, and then some, but they also have eligibility restrictions. They are available only to veterans of the armed services, those currently in the service and their spouses. VA loans are typically half a percent or more below market rates and they can be obtained with no money down.
Finding the Perfect Home
You are now ready and armed with your pre-qualification or pre-approval to find the home of your dreams with the help of your real estate agent.
It's important to determine the type of home you're looking for. Do you know the neighborhood where you'd like to live? What type of schools will your children be attending? Is local shopping important to you? Would you be comfortable in a condominium, a townhouse or even a pre-fabricated home? Discuss these considerations with your real estate agent, so they can find the best home for you.
To help your real estate agent with this process, make three lists: a need list, a do-not-want list and a dream list. Factor in your current housing needs, likes, dislikes and possible life changes in the future, such as more children, less children, parents moving in or out and other major events.
Your needs list may include:
Number of bedrooms
Number of bathrooms
Bath in the master bedroom
Separate dining room
Your do-not-want list may include:
Small bathrooms
No counter space
No windows in kitchen/bathroom
Tiny yard
Insufficient closet space
No garage
For your dream list, write down all the features you would love to have in your home, which may include:
Swimming pool with hot tub
Breakfast nook
Two stories
Making the Offer
You may already have an idea of where you want to live, but, if you don't, consider the following:
Look at the surrounding houses in the neighborhood. Are the homes and yards well kept? The condition of these homes will affect the value of the home you buy.
Is it visually appealing? Explore the lot thoroughly. Does it offer adequate privacy? Will you maintain the ground or hire someone? Do you like the landscaping or would you design your own? When looking into the back yard, do you see a transformer, radio broadcasting tower, gas station, bus stop or ball field where night games are played?
What kind of area is it in? How close are shopping facilities, banks, churches, hospitals, schools, parks and movie theaters? Of course, you'll also want to know the neighborhood crime rate. Go to the local police station and ask for records of robberies, break-ins, vandalism, assaults and drug-related problems in the neighborhood. Is crime increasing or decreasing?
What is the traffic like and how will it affect your commute to and from work? Heavy traffic also produces noise and air pollution.
Is the home in an area that floods when it rains? How fast does the water drain from the streets and yard? Slope and the soil's ability to absorb water will determine where and how fast water drains away from the house.
Whatever you do, don't be afraid to ask questions. Your real estate agent will be very happy to provide you with as much information as possible. Remember, this may be the largest purchase you will ever make. Ask questions until you are satisfied with the answers.
Here are a few other things you will want to consider in the selection of your dream home:
Don't fall in love with the first home you see. New listings come onto the market all the time. The best deal may still be just around the corner. The more homes you see, the more you'll learn about what you want and what each house has to offer.
Don't choose a house because you like the interior decorating—a well furnished home isn't always the most structurally sound. Check out the actual structure of the home. Keep in mind, the furnishings will be leaving with the current owner.
Go through the house with a fine-tooth comb. Open cabinets, turn on every switch, move furniture away from the walls, look in the attic, turn on faucets and flush the commodes. Look for water spots on walls and ceilings—you don't want to find out after you've bought the house that the roof is leaking.
Don't be pushed into making a selection. Make your decision only when you've seen enough to pick the best one.
Closing the Deal
You've finally found the home of your dreams. You're ready to put your money where your mouth is. But wait—before you sign on the dotted line, before you spend the money your lender has provided and before you start thinking about interior and exterior design, find out a few things first. These items may help you negotiate a lower price than what the owner is asking.
Find out the selling prices of similar properties to use as a guideline to set your sales price. These comparable properties should:
Have sold no more than six months earlier
Be around the same age and condition
Have close to the same number of bathrooms, bedrooms and square footage
Be in a similar location and on a similar lot
If you still don't feel comfortable setting a price, consider having a professional appraisal done. Appraisers look at what the home is worth today and how the neighborhood may affect future property value. They provide a realistic figure for the true market value of the property
Once you, your real estate agent and the owner have come to an agreement on the sale price of the house—put it in writing.
Don't reveal your strategy and don't make oral offers. You know you want this house, but don't hand over your money until you are sure the seller is legally capable of conveying a good title and meeting other conditions. Be aware that the seller doesn't want to surrender the deed until you've paid for the property.
What is a Deed?
Here's what you need to know.
Buying a home can be an intimidating process, complete with a host of various documents needed for a successful closing. One of those documents is a deed. Below we explain what a deed is, how it works and why it's important.
What is a Deed?
A deed to a home, not to be confused with a title to a home, is a written legal document that identifies property ownership, and will detail the sale of the property. A deed is the physical legal document that represents the property's title.
Title, however, is the legal way of saying you have ownership of the property. The title is not a document, but a concept that says you have the rights to use that property.
How getting a Deed works
During a home-buying transaction, both the buyer and seller must sign the deed in order to legally transfer ownership of the property. Usually, the lender will perform a title search to ensure the seller has the legal right to transfer ownership to the buyer.
Why a Deed is important
A deed is an important legal tool. It can settle disputes and any unforeseen liens against the property. In order for a deed to be legally enforceable, it must be filed with the recorder's office as a public record document. This allows lenders, taxing authorities and others to access ownership information when needed.
Now what?
With your real estate agent's assistance, offer the seller a written contract setting out the commitments and promises that you and the seller need to agree on and fulfill in order to make the sale. A well-drawn contract should protect all parties.
The first contract you submit should be comprehensive and include everything of any importance. Keep in mind that once the seller accepts the contract, it may be too late to add or change anything. In some states, there may be standard real estate contracts. However, you should make sure that your contract includes at least the following:
The offering price
Down payment
Legal description of the property
Method of conveying the title
Fees to be paid and who will pay them
Amount of deposit
Conditions under which the seller and buyer can void the contract
The settlement date
Financing arrangements
A list of appliances, furnishings and personal property being sold with the home
Earnest Money
After you have come up with an offer price, the next step is to determine how large a deposit you want to make with your offer. You want the earnest money deposit to be large enough to show the seller you are serious, but not so large you are placing significant funds at risk.
One recommendation is to make sure your deposit is less than 2% of your offered price. The reason for this is that if your deposit is larger than that, the lender will pay particular attention to how you came up with the funds. You might have to provide a copy of a canceled check along with a bank statement showing you had the money to begin with. Normally, this is not a problem, but if you have a short escrow period or are barely coming up with your down payment, it could pose an inconvenience.
Limiting your deposit also protects you in case significant problems occur, such as a nasty or prolonged dispute between you and the seller. The less money you have tied up in a deposit, the fewer funds you have placed at risk.
As with practically everything in real estate, there are exceptions to this rule, too. During a hot market, there may be multiple offers on the property that interests you. A large deposit may impress a seller enough that they will accept your offer instead of someone else's, even when your unknown competitor is offering the same price or slightly higher.
Since large deposits do impress sellers, you may also find that by making a large deposit you can convince the seller to accept a lower offer. More money up front may save you money later.
When it comes to buying your new home, everything is negotiable. Your real estate agent can be very helpful with this process. A partial list of what's negotiable when purchasing your new home may include:
Closing costs, except where specified by financing or law
Occupancy — When can you get the key and move in?
Painting — Will the seller repaint a portion of or the entire house?
Repairs — Will the seller repair the roof, plumbing, windows, etc., and what kind and quality of repairs will be made?
Yard — Will the seller remove unwanted trees or bushes and put in desired landscaping?
Fixtures — Which lights, fans, appliances, etc. stay and which go?
Wall coverings — Do the drapes stay or go?
Furniture — Will the seller include certain pieces?
Prepaid taxes and insurance — Will the seller credit you with these?
Negotiation gives you, the buyer, incredible power in making a favorable transaction. As in any negotiation, be prepared to do some give and take. Let your real estate agent work with you and the seller to come to the best possible terms for everyone.
As an added precaution, you also should have a professional inspector go through the house to look for potential problems. Even though you have performed a complete walk-through, asked the right questions and discussed the offer with your real estate agent, a professional may see things that would be easy for you to overlook. Even if they are not things the seller is expected to repair, at least you will have foreknowledge of any potential problems.
Once you receive the inspection, you will want to allow yourself sufficient time to review and approve the report. If you do not approve the report, you may negotiate with the sellers on which repairs should be performed and who should pay for them. Otherwise, you can cancel the purchase without penalty, provided you have included timetables in your offer. Allow a maximum of 10 to 15 days to receive the report and five days to review it.
Finally, it is absolutely essential that you include a closing date as part of your offer. This way both you and the seller can make plans for moving and the seller can make plans for buying their next home. This also allows time needed to renegotiate after reviewing the professional inspection report.
Though most transactions actually do close on the right date, remain flexible to avoid delays that may create difficult problems.
For example, if you are renting and need to give the landlord notice that you are moving out, you may want to allow some flexibility in your timeline. Otherwise, if your purchase closes a few days late you could find yourself staying in a motel with your belongings packed in a moving van somewhere while you pay storage costs.
You're almost at the end of your journey. Soon, your dream will be a reality and you will be living in your new home. And, now that you and the seller have come to a mutual agreement, you are ready to sign the contract and put down your earnest money (money indicating the seriousness of your offer). There are all kinds of people and services involved behind the scenes to make this happen before you put the key in the lock.
First, you'll want to close the deal. The road to closing is short, with only six major steps. These steps are generally handled at your title company office. Participants at this meeting are you, the buyer, the seller, your attorneys—if you have them, your real estate agent, escrow agents and anyone else who may have an interest in the transfer of title.
And of course, the final step—moving in. Congratulations! You have now accomplished the American dream of owning your own home.
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by: Jennifer Peltz
NEW YORK — As an Army general faces a string of sexual misconduct charges involving female officers, his wife is seeking to stir a broader look at often taboo subjects in military marriages: adultery, the strain of separation and the stress of war.
Rebecca Sinclair stayed away from the days-long military hearing earlier this month at Fort Bragg, N.C., where the allegations against her husband, Brig. Gen. Jeffrey Sinclair, were revealed in detailed testimony. Women officers described an affair, forced sexual encounters and a series of explicit email exchanges with the former deputy commander of the 82nd Airborne Division in Afghanistan.
But his wife has since made herself a public face of his defense, and of what she sees as the toll of a decade of war on military couples, many of whom have found themselves in a repeated pattern of deployments, homecomings and moves.
"I am not condoning anything, and I'm not excusing my husband's infidelity. I'm not saying that just because we're on this deployment cycle and because of the war, that causes infidelity," she said by phone Monday from New York, where she had traveled for interviews after airing her feelings in an opinion piece Thursday in The Washington Post. "I'm just trying to understand it, and I'm trying to get conversations started so that people can look behind and see the bigger issue."
Her piece came as adultery in the military has flared up as an issue, following retired Gen. David Petraeus' resignation as CIA director over an affair with his biographer and the disclosure of what officials have described as suggestive emails between a Florida woman and Gen. John Allen, the top U.S. commander in Afghanistan; he says he's done nothing wrong.
It also comes as Jeffrey Sinclair waits to hear whether he'll be court-martialed on charges including forcible sodomy, wrongful sexual conduct, misusing a government travel charge card, and possessing pornography and alcohol while deployed. The 27-year Army veteran was relieved in May of his duties overseeing logistics for the 82nd Airborne.
At the recent evidentiary hearing, a female captain who was his direct subordinate in Afghanistan testified she had a three-year affair with her married boss. But she also said that on two occasions, the general forced her to perform oral sex and that he also threatened to kill her and her family if she told anyone about their relationship. Two other officers testified that they provided nude photos to him, part of allegations involving his conduct with five women.
The Associated Press does not name victims of alleged sexual assaults unless they agree to be identified or come forward publicly.
Defense lawyers portrayed Sinclair's primary accuser, the captain, as a lying, jealous lover trying to ruin his family and career. Defense lawyer Maj. Elizabeth Ramsey suggested in her closing argument that the general was guilty only of adultery and fraternization, punishable by a written reprimand. The defense team said Sinclair had passed a polygraph test during which he denied sexually assaulting the captain.
Rebecca Sinclair, who said her husband called last spring to tell her of the affair and allegations, said she hoped "the Army will see the evidence for what it is and will clear him of any wrongdoing."
In the meantime, the Sinclairs are trying to mend their relationship, she said. And she is pointing to her personal story as a testament to the pressures on military marriages and families.
Her husband has been deployed to Iraq, Afghanistan and elsewhere five times since the Sept. 11 terror attacks, spending a total of six of the past 11 years away from his wife and two children — the eldest, a sixth-grader, has attended six schools so far, Rebecca Sinclair said.
Many military wives know their husbands are unfaithful but stay silent to preserve their families or their financial security, especially because their spouses' own careers can be hampered by frequent moves, said Rebecca Sinclair, who has taught business at various community colleges during her 27-year marriage.
Her husband's affair and the fallout "is very painful for me, very hurtful, but I just really feel that this is something I need to talk about," she said. "Because it's not an isolated case."


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Packers close to clinching NFC North after win over Detroit
GREEN BAY (AP) -- The Green Bay Packers are a victory away from clinching the NFC North title after beating the Detroit Lions 27-20 on Sunday night, December 9th.
DaJuan Harris rushed for a score in his first NFL game, Aaron Rodgers added the longest TD run of his career, and Mike Daniels returned a fumble 43 yards as the Packers (9-4) opened a one-game lead over Chicago. Beat the Bears next weekend at Soldier Field, and Green Bay will win the NFC North for a second straight year.
The loss was the fifth straight for Detroit (4-9). This wasn't quite as excruciating as the previous three, though, when the Lions gave up fourth-quarter leads and fell by a total of nine points.
The Packers have won 22 straight at home against the Lions, the longest streak in the NFL.


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Story highlights
Abortion was legal under common law leading up to the 19th century
The first law was passed in 1821, banning use of toxic substances
Several federal court decisions paved the way for Roe v. Wade
Tuesday marks the 40th anniversary of the Roe v. Wade Supreme Court decision. In a 7-2 ruling on January 22, 1973, the justices declared laws prohibiting abortion violated a woman's constitutional right to privacy. They also said states could regulate abortion procedures in the interest of a woman's health or in protecting a potential human life starting at the end of the pregnancy's first trimester.
Abortion was legal under common law in the United States leading up to the 19th century, says Leslie Reagan, professor of history and law at the University of Illinois and author of "When Abortion was a Crime." Early laws only prohibited the use of toxic substances to cause miscarriages after "quickening," or when a woman feels her child move – usually four or five months into the pregnancy.
"That was the moral point where people understood there was a life," Reagan says.
Since then, the definition of life has been debated many times over, but Roe v. Wade remains the law of the land.
Opinion: Millennials have the power to protect Roe v. Wade
Learn more about the events leading up to this historic decision, and what's happened in the four decades since the ruling:
1821: Connecticut passes the first law in the United States to restrict abortion. It prohibits the use of a toxic substance to cause a miscarriage after "quickening." A number of other states follow.
1873: Anthony Comstock, head of the New York Society for the Suppression of Vice, lobbies to pass the Comstock Law, a federal law banning the selling or distributing of materials related to contraception and abortion.
1930s: The number of abortions increases significantly during the Great Depression. "The Depression years make vivid the relationship between economics and reproduction," Reagan writes. "Married women with children found it impossible to bear the expense of another, and unmarried women could not afford to marry."
The dangerous practice of unregulated abortions led to a high U.S. maternal mortality rate, Reagan says. In her book, she cites a study done in 1931 showing illegal procedures are responsible for 14% of maternal deaths.
1950s: Hospitals start to form "therapeutic abortion boards" to decide whether doctors can perform an abortion on a case-by-case basis, according to Reagan. Therapeutic abortions are allowed by law if the mother's life is in danger. Hospital restrictions generated resentment among physicians who felt "shackled" by the law, Reagan writes.
1955: Planned Parenthood organizes a conference, "Abortion in the United States," that includes testimony from sex researcher Alfred Kinsey, abortionist G. Lotrell Timanus and Planned Parenthod's then-medical director Mary Calderone. A record of the conference is published in 1958, launching a national discussion on reformed abortion laws.
1960s: Pat Maginnis founds the Society for Humane Abortion, later becoming one of the first people to publicly campaign for legalizing abortion. "They thought she was insane," Reagan says of Maginnis' fellow pro-choice advocates. "They're trying to start talking about reform… and having her out there was hurting them."
1962: Sherri Finkbine, an Arizona mother of four, travels to Sweden after a local hospital denies her request for a legal abortion. Finkbine had taken the drug thalidomide, which researchers linked to birth defects.
The hospital was initially going to perform the procedure but withdrew its offer after Finkbine told her story to the local newspaper in hopes of alerting mothers to the dangers of the drug. The resulting publicity threw her into the middle of a worldwide debate.
1969: A group of young women in Chicago starts "Jane," an underground system that helps women find safe and affordable illegal abortions. Eventually they learn to perform the procedures themselves, completing nearly 12,000 abortions from 1969 to 1973, according to a documentary about the group.
Two significant court cases – People v. Belous and Doe v. Scott, which reached the Supreme Court in 1971 – declare abortion laws unconstitutional. "That prompted people all over the place to start putting together cases… challenging state abortion laws," Reagan says.
1970: By the early 1970s, 20 states have passed abortion reform or repeal laws. Hawaii, Alaska, New York and Washington state have legalized abortion.
1972: The Supreme Court legalizes the use of birth control pills for all women, regardless of marital status. Before the decision, only married women were able to receive the pill through a doctor's prescription.
1973: The Supreme Court settles Roe v. Wade and Doe v. Bolton, declaring abortion a right-to-privacy issue and hospital therapeutic abortion boards unconstitutional.
"Though often overlooked since, (Bolton) was as important as Roe," Reagan writes. "The Court held in Doe v. Bolton that policies designed to restrict access to abortion … violated the rights of women to health care and of physicians to practice."
1976: In Planned Parenthood of Central Missouri v. Danforth, the Supreme Court declares a statute that requires parental and spousal consent for abortions unconstitutional.
Congress enacts the Hyde Amendment for the first time, banning the use of federal funds for abortion except in cases of rape, incest or endangerment of the mother's life. This amendment has been attached to the congressional appropriations bill and approved by Congress every year since then.
1983: In Akron v. Akron Center for Reproductive Health, the Supreme Court declares unconstitutional an Ohio law that requires all abortions after the first trimester be performed at a hospital, a 24-hour waiting period and parental consent for girls younger than 15.
1989: The Supreme Court deals a blow to anti-abortion forces in Webster v. Reproductive Health Services by striking down a law that requires doctors to test the viability of the fetus before an performing any abortion. Three justices said they would allow restrictions on abortion but only if the restrictions had a rational basis.
1992: Supporters on either side of the abortion issue are left confused after the Supreme Court rules on Planned Parenthood of Southeastern Pennsylvania. v. Casey. The court says abortion regulations that present an "undue burden" on women's constitutional right will be prohibited; critics say "undue burden" is too vague.
1994: President Bill Clinton signs the Abortion-Clinic Protection Bill into law, which is designed to protect abortion clinics from attacks, blockades and acts of intimidation by pro-life protesters.
2000: The Food and Drug Administration approves the abortion pill RU-486. The drug enables a woman to terminate a pregnancy within seven weeks from her last menstrual period, without the need for a surgical abortion.
2003: President George W. Bush signs the "partial-birth abortion" bill, outlawing the procedure known as intact dilation and extraction (D&X). Federal judges quickly issue injunctions that temporarily nullify the law's effect for many abortion providers.
2004: About 800,000 demonstrators gather in Washington for the "March for Women's Lives," a protest against Bush's reproductive rights policies. This is the largest abortion-rights demonstration since a 1992 rally that drew at least 500,000 participants.
2007: The Supreme Court upholds the partial-birth abortion law 5-4 in the first federal restriction on a particular abortion method since Roe v. Wade.
In a bitter dissent read from the bench, Justice Ruth Bader Ginsburg says the majority's opinion "cannot be understood as anything other than an effort to chip away a right declared again and again by this court."
2009: President Barack Obama ends a ban on the use of U.S. foreign aid funds by international family planning programs that provided abortions or advice on obtaining one. The ban had first been instituted in 1984 by President Ronald Reagan.
George Tiller, a physician who performed late-term abortions, is shot and killed in Wichita, Kansas. Tiller, who had been subject to antiabortion protests and harassment for more than 20 years, was the first abortion provider killed since 1998.
2011: Voters in Mississippi reject the "personhood" amendment, which would have outlawed all forms of abortion, including for cases of rape, incest and life-threatening pregnancies.
Research from the Alan Guttmacher Institute finds the number of abortions is at its lowest level since Roe v. Wade, remaining steady at about 1.2 million reported procedures in 2011, down 25% since the all-time high in 1990.
2012: Susan G. Komen for the Cure announces it will cut off funding to affiliates of Planned Parenthood. The organization reverses the decision three days later amid a public outcry.
The Supreme Court upholds President Obama's Affordable Care Act, better known as Obamacare. Starting in 2014, the level of abortion coverage each woman will receive will depend on their state's policy, according to the Kaiser Family Foundation.
The ACA prohibits states from including abortion in any essential benefits package and no plan in an insurance exchange is required to offer abortion coverage. In addition, states can bar all plans participating in the exchanges from covering abortions.
Sources: "When Abortion Was A Crime," by Leslie Reagan; Kaiser Family Foundation; 4,000 Years For Choice; NPR; National Right to Life.
CNN's Bill Mears contributed to this report.


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Which, at least with these cakes, I'm pretty sure it is.
Sure, this may look like a fuzzy potato wearing a Skeletor mask and a literal banana hammock, but I think it's supposed to be a monkey. (Yes, a monkey.) Which kinda makes Shara's Curious George Wreck look positively cuddly by comparison, huh?
Still, it could've been worse. That banana hammock could have been made with these:
(She gets it from hanging out with a bunch of sour grapes.)
Hey bakers, do you have too many customers? Is the constant stream of business interfering with your "me time"? Tired of making all those cakes? No problem!! Now you can scare those paying customers off with THE FACE OF PURE EVIL™!
Alice, Baily A., & Liz B., these Wrecks aren't boaring you, are they?
- Related Wreckage: I Call Fowl


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Friday, July 30, 2010
Ten Random Things
So, I'm supposed to tell you guys ten random facts about myself. Let's see here. It's hard to think of anything new. Those of you who have been reading for a while, already know everything.
1. I have 3 tattoos. I got them when I was 18 and knew everything. One of them was actually a guy's name. Yeah, I know! You don't have to say it! However, after a couple strategically placed stretch marks, it's no longer legible. It's just a blog of ink. If I ever have money some day, I'll have it removed.
2. I used to sneak out of my parents' house with my sister. We'd sit on the roof to smoke. Shhh, don't tell my parents. I was such a rebel back then.
3. I once got to take a ride in an ambulance when I had a kidney stone attack in Disney World. I sat at Celebration Hospital all day. It wasn't a celebration. I get kidney stones. They hurt. A lot. The last one was huge. I needed lithotripsy. I have no idea what that is. All I remember is putting on a bathing suit, getting a shot, then waking up dripping wet and naked. Yes, it was performed at an actual hospital.
4. Lexington was born before the doctor came around. A nurse came in and saw her crowning before the bed was broken down or anything was set up. She didn't have time to put on sterile gloves so she grabbed a piece of paper and caught her. I don't think I should've received a doctor bill for that one.
5. In high school, I went on four mission trips with my church. The last one was to Canada. I was sick before we left. My mom took me to the doctor who said, "Oh, it's just a virus. She'll feel better in another day or two. Let her go." I slept the whole trip. Came back home and learned I had mono.
"I once thought I had mono for an entire year. It turned out I was just really bored." Quick, name the movie!
6. I once made my friend call me in dead to work. I made them pick up my last paycheck too. I hope my old boss isn't reading this. He'll know I'm still alive.
7. I did so well in English my freshman year, the powers that be decided someone of my brilliance needed to be moved up into the honors class. I was with all the geeks. We had a textbook entitled Classical Rhetoric. I had no clue what "rhetoric" meant. All I knew is that kids eagerly raised their hands in this class and they looked at me like I was an idiot when I sank down into my back-row chair. I whined and complained that the class was too hard until they moved me back to a regular ole English class where I didn't have to lift a finger to get As. And thus began my career of manipulating people until I got what I wanted.
8. Whenever I drive past this little lake near my house, I freak out that I'm going to crash into it and I won't be able to unbuckle all my kids and get them out in time. It seriously gives me nightmares. I thought about getting a keychain with a little knife on it so I can effectively cut through seatbelts while underwater, and a little hammer so I can knock out the windows and escape a watery death with my six kids. You know, after I've cut them all out of their seatbelts. Maybe instead of having that tattoo removed, I should use the money for therapy.
9. I'm a Pisces which means I'm moody and emotional. I cry easily. Having total freedom freaks me out. I'm intuitive, I spend vast quantities of time in a fantasy world created by my imagination, I literally feel what others are feeling, and I'm creative. But all you really need to know is that my birthday is March 10. That gives you plenty of time to pick out my present. I like jewelry.
10. I'm a horrible procrastinator. My theory is - why do today what you can put of until tomorrow? It's not a good theory. I hate that about myself. But I just can't seem to help it. In fact, there was this one time... eh, I'll write out the story later.
31 comments:
OMG You're a procrastinator too!!
I'm so bad I even get the desk calendar. I can't even be stuffed ripping the pages off.
At the end of the year I use the pages I didn't rip off for a message pad near the phone.
That is if I can ever be stuffed taking a message... or even picking the phone up for that matter.
Lazy is my middle name.
Belinda in Brisbane Australia - August 1, 2010 at 2:12 AM
- Kiki Nakita said...
I'm a procrastinator too!!! Instead of reading Chapter 4 of 'The Drunkard's Walk, How Randomness Rules our Lives' and doing a page report I ended up here!!!
Maybe tomorrow...
~Kiki Nakita~ - August 1, 2010 at 3:22 AM
- Jen@Scrapingirl said...
Austin must get his smarts from you. And I bought one of those pointy little hammer things with the cutter on it. It was actually a Christmas present for myself. It's one of my fears also. The hammer is much cheaper than therapy, I'd stick with that. :)
- August 1, 2010 at 7:19 AM
- WeaselMomma said...
Umm, that would be Wayne's World.
- August 1, 2010 at 7:27 AM
- SandyAnnDee said...
I don't think that you should have gotten a bill for Lexi's birth either! For my last baby, the OB told me to push, and then sat down to put on more scrubs - idiot. He glanced up and yelled "STOP!" All I could think was "why the heck did you tell me to push in the first place if you weren't ready."
- August 1, 2010 at 7:43 AM
- Holly C. said...
Number 8!!! And I thought I was the only one...Geez!!!
- August 1, 2010 at 8:55 AM
Pisces and believe in astrology? :O The answer I always get when I scoff at astrology is: Oh but you're Pisces - they're all so cynical... :D
- August 1, 2010 at 9:56 AM
- Mel said...
I love your blog, I'm new in the blog world, but am slowing catching on! If it makes you feel better, I'm really good at procrastinating as well :)
- August 1, 2010 at 10:22 AM
- Mandalynn said...
Wayne's World
- August 1, 2010 at 11:07 AM
- Vicki said...
OMG! I thought I was the only one that had nightmares about crashing into water and trying to get me and my 3 kids out!! I'm talking vivid, real, wake-up-screaming and hitting my husband like he's a side window I'm trying to break. They aren't quite as bad since the older 2 girls can swim now, but still...wow, those are scary!! And my husband is a therapist and hasn't helped, so use the money on the tatoo removal! ha
- August 1, 2010 at 11:49 AM
Wayne's World! Haven't seen that movie in years.
- August 1, 2010 at 2:13 PM
- Unknown said...
I've never had a tattoo, but I did get branded once! I smelled like barbecue for about a week. Mmmmmmmmmmm: -)
- August 1, 2010 at 2:46 PM
- Brooke said...
Oh my goodness, Dawn, I have the same nightmare... but I'm only panicked about saving three kids! You have a pretty good birthday, it's the day before mine, YAY PISCES :)
- August 1, 2010 at 3:48 PM
- Rebecca212 said...
Well I joined just so I could comment. It was annoying too, it kept not accepting my password. >.<
Anywho you're not alone in the water+car=death fear, you need
one of these handy things.
Hammer and seatbelt cutter in one. I have it and I don't even drive by the water! LOL - August 1, 2010 at 5:10 PM
- Missi said...
"I'm a Pisces which means I'm moody and emotional." That describes my March 7th daughter (age 15) to a T. I know now why she can cry at the drop of a hat over the main character dieing in her dads video game. In a morbid way it still makes me giggle.
- August 1, 2010 at 6:18 PM
- Bethany said...
Ohh so that explains why I'm moody and emotional! ;)
Procrastination is one of my favorite things-- every once in a while I get a burst of energy to get stuff done but most of the time, I have a list that just keeps growing! - August 1, 2010 at 7:28 PM
- Lyndsay (Tiny House Homeschool Mom) said...
I have a very, very similar fear about a Lake near my house! I mentally run through how I would get them out if the worst every happened. Now that I have #3 on the way. I have every intention of totally avoiding this road unless absolutely necessary. WHY? Because I know I couldn't get them all out!
* very good idea about the key chain knife!
Maybe we both need therapy! LOL - August 1, 2010 at 7:54 PM
- Susan said...
That was a great post Dawn. I liked the tattoo thing. Yep, them stretch marks are a great thing sometimes. And anyone with six children MUST spit one or two out fast. Thanks for the smile.
- August 1, 2010 at 7:57 PM
- Eileen said...
ah, I knew there was something super special about you! you and my adorable grand daughter share your birthday! glad you all had a great vacation.
- August 1, 2010 at 8:03 PM
- jennyandcompany said...
#8 - seriously, I was almost in a panic a few weeks ago when that thought occurred to me. I sat there plotting out the best way to get everyone free, who could grab who, etc. I was freaking out over it b/c three of mine can't unbuckle themselves! Yeah, I'll join the therapy session.
- August 1, 2010 at 9:30 PM
- Sennie said...
I really like #10, almost like mine: Why do anything today what you can put off tomorrow also! ;-) They just made an iPhone app for people like us called To Do (Tomorrow) - supereasy to push todo-items for tomorrow! I love it :)
And my youngest shares a birthday with you! - August 1, 2010 at 9:53 PM
- Kris Roach said...
You're so funny! I liked the one about Lexi's birth...when my first child was born, I had to WAIT 20 minutes for the doctor who when finally located decided something was wrong with his pager...he came in my room and started trying to figure out what was wrong with the pager and I told him I was pushing with our without him...he caught my boy!
- August 1, 2010 at 10:32 PM
- Laura ~Peach~ said...
my hubbys b day is march 15th... can you guess what his favorite saying is??? huh huh huh any ideas???
Never do today what you can put off till tomorrow LOL...
totally cracked me up!
Have a lovely night and tomorrow... - August 1, 2010 at 10:59 PM
Attached to the knife key chain is an inflatable raft. Swim to the top and throw them in. Go back for more. Or I guess I could keep 12 swim belts in the van and have everyone put one on when we go over water.
- August 2, 2010 at 12:12 AM
OH... I forgot to add that if I ever have to drive on a bridge over water, it is a MUST in my car to put all the windows down.... they won't work in the water, you know. Then, I don't have to worry about a hammer. Of course everyone thinks I'm crazy... I choose to think I'm prepared. :)
- August 2, 2010 at 1:12 AM
- Patricia said...
My husband put one of those seatbelt-cutting-window-breaking tools into each of our cars. They're clipped to the driver's door. Get one! It's cheaper than therapy...
- August 2, 2010 at 2:50 AM
- Knick Knack Paddy Whack, Throw This Mom a Bone said...
I can so relate to #9..my bday is March 12. Especially with your 'literally feel what others are feeling' comment. I try to explain this to others, but they just don't get it.
I also think we can blame procrastination on our 'sign' too. :) - August 2, 2010 at 10:13 AM
- JennyF said...
Love it! Thanks for sharing those random tidbits -- they are great!
I like Patricia's idea -- get the seatbelt cutting/window breaking tool and clip it to the driver's door. I think I'll do that...tomorrow! - August 2, 2010 at 12:50 PM
- Catmeat said...
Dawn, I think the same thing when driving by water. You are so Funny. Keep it up :)
- August 2, 2010 at 1:40 PM
- Vadercat said...
"What is today, but yesterday's tomorrow?" -Mr. Krabs.
- August 2, 2010 at 6:50 PM
- Unknown said...
I live in So CA away from any lakes and I have that same fear and carry 2 of those tools to rip my kids seatbelts off and bust out the windows so I can swim all 4 of them to safety :) - August 2, 2010 at 9:05 PM


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text:
As you all know, I previously reviewed Eyeko's new nail polishes and Graffiti eyeliners. You all know that I love hosting giveaways for my readers. I asked Eyeko to sponsor some products so that you all have the chance to try them too! They generously agreed and I'll be giving away two of their hottest collections.
Click here for giveaway details!
I've already done a thorough review of the Graffiti Eyeliner Pen in Jet Black as well as a few of their nail polishes. To see that review, click here.
Check out the video!
This week I was also sent some additional items to test out and give away!
Graffiti Eyeliner Pen Collection in Fierce Purple, Natural Brown, Jet Black and Navy Blue
In addition to the must-have in Jet Black, I also had a chance to test out the Eye brightening Navy Blue, Natural Brown, and Fierce Purple. If you know anything about me, I'm a junkie for liquid eyeliner, especially in the new pen style. 99% of the time I prefer a winged black liquid liner for most of my looks. I like mixing it up from time to time and the other three colors in this collection are amazing.
- Jet Black fits nicely into my collection...it's super black and the marker tip is uber precise.
- Natural Brown is great for more day looks when you want a more subtle line.
- Navy Blue is the new neutral liner color...and will replace black in an instant while adding a little special.
- I like to add a line of the Fierce Purple above my black for a quick and funky cat eye...no eyeshadow needed.
Cult Classics Nailpolish Set with Vintage, Cosmic, Nude, Indigo, and Lilac 14 pounds
I'm not a Nail Polish junkie or anything but I do love the newest color trends. If you want to build your color collection, these small bottles are perfect. I never go through a whole bottle of nail polish before it dries. Eyeko's polishes fit easier in my nail storage with more than enough product.
The texture of most of these polishes is on the thick side so be careful to wipe off excess polish from the brush before you get to painting. You'll get an opaque coverage with about two coats except for the Nude shade with has a sheer finish. I'm loving how they have the "in" shades but you don't have to spend the money you would on more expensive brands.
- Vintage: Mint green is super hot right now. I love it for the summer.
- Indigo: I'll save this deep blue for fall and winter. It's super sophisticated on shorter nails.
- Nude: This is exactly what the name says "Nude". It's great for the office or even for use with french manicures...a basic in every collection.
- Cosmic: When I feel like resurrecting my Bad Girl side, I'll pull out this black shade with multi-colored glitters. The glitter gives it more wear appeal. Keep the nails short so you don't look vampy.
- Lilac: Another really "in" shade. This makes yours hands look super girly and fresh. Great for the warmer months and a tea party to boot!
Now you know I couldn't leave you all without another giveaway right? Eyeko Lace is hooking up two lucky viewer with either the Graffiti Liner Collection or Cult Classics Nail Polish Set. Here's how to win:
- Subscribe to my youtube page
- Follow this blog
- Leave a comment telling me why you'd like to win. Also tell me which prize you'd like. You can have two entries if you want to put in a comment for both prize.
- I'll announce the winner via my blog and twitter on Friday
You can find these products at www.eyeko.com. They're a UK based company, but they ship worldwide.
FTC Disclosure: Product received for review. I am not affiliated with this company and not paid to write this review. These are my honest thoughts and opinions.
Atlanta Makeup Artist


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TINA FEY HAD a million seller with a book of essays called Bossypants.
Amy Poehler? She has a deal for a book which appears to be a little bit of everything.
The star of "Parks and Recreation" and former "Saturday Night Live" performer has an agreement with It Books for an "illustrated, non-linear diary."
It Books, a pop culture imprint of HarperCollins Publishers, announced that the book is currently untitled and scheduled for 2014. Financial terms were not disclosed.
"Her original twist on the conventional memoir will have universal appeal," according to It Books.
An illustrated, non-linear diary full of humor and honesty and brimming with true stories, fictional anecdotes and life lessons, the book will be a unique and engaging experience from one of today's most talented and beloved stars.
It's the first book for Poehler, who recently co-hosted the Golden Globes ceremony with Fey, her longtime friend and professional collaborator.
Poehler will be edited by It Books' Carrie Thornton, who said in a statement that after first talking to Poehler she was "blown away by her creativity and her passion."


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2018 Fak'ugesi African Digital Innovation Festival
When: | Tuesday, 21 August 2018 - Saturday, 29 September 2018 |
Where: | Off campus Tshimologong Precinct, Wits Art Museum and the Point of Order in Braamfontein. |
Start time: | 9:00 |
Enquiries: | For more information on the 2018 Fak'ugesi African Digital Innovation Festival visit www.fakugesi.co.za. |
'Tap your Afro Source Code' will explore how local culture can move and change the future of technology, and unpack the source code of our African identity.
The Fak'ugesi African Digital Innovation Festival, Tap Your Afro Source Code, has announced the line-up of its 2018 programme promising to yet again transform Johannesburg into a celebration of technology, creativity and innovation from across the African continent.
The full program of activities running from 18 August to 29 September 2018, Fak'ugesi will take place at Tshimologong Precinct sharing activities in 2018 with Wits Art Museum and the Point of Order.
About Fak'ugesi
Fak'ugesi - Joburg's one and only African Digital Innovation Festival will take place in September 2018, with the theme 'Tap your Africa Source Code'. The 2018 festival will focus on bringing to the table important African visions and futures, by tapping into the sources of African tradition and culture alongside technology, creativity and innovation. Explore how local culture can move and change the future of technology. What would you call a vernacular algorithm? What is algorithm in IsiZulu? In 2018 Fak'ugesi Festival calls on you to explore the algorithms, patterns and fractals of Africa! In digital art, music, games, VR, digital makers or the way you braid your hair.
Fak'ugesi, which means "Switch it on" or "add power" in urban Zulu, is focused on making young adults aware of digital innovation. It is an opportunity for young adults, with or without formal education, to learn or engage with tomorrow's technology.
According to an Impact Report commissioned by the British Council ConnectZA- Fak'ugesi is believed to be the most important digital creativity festival in Africa.
About Wits University's Tshimologong Digital Innovation Precinct
Setswana for "new beginnings", Tshimologong is one of Johannesburg's newest high-tech addresses in the vibrant inner-city district of Braamfontein, where the incubation of start-ups, the commercialisation of research and the development of high-level digital skills for students, working professionals and unemployed youths takes place. The Precinct was launched in September 2016 with strategic support from major companies including Microsoft, Cisco, TIA, Teraco, BCX, ACSA and MMI. Gauteng Province through its Department of E-Government and the City of Johannesburg have also provided significant support. The Precinct also houses the prestigious IBM Research's Lab Africa – one of only 12 such facilities in the world. Website: www.tshimologong.joburg
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Rule #1 - Be Patient - Rule #2 - Don't ask when, if you don't contribute - Rule #3 - You have coding skills - LinuxMCE's small brother is available: http://www.agocontrol.com
W: Failed to fetch http://deb.linuxmce.org/ubuntu/dists/precise/beta2/binary-i386/Packages.gz 404 Not Found
E: Could not perform immediate configuration on 'python2.7-minimal'. Please see man 5 apt.conf under APT::Immediate-Configure for details. (2)
E: Couldn't configure pre-depend multiarch-support for libnih-dbus1, probably a dependency cycle.
apt-get dist-upgrade -o APT::Immediate-Configure=0