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NOTE: There are several newer quick tips on how to convert PDF to Word and PDF to Excel:
Older versions of Adobe Reader (5.0 and 6.0), allowed you to select the Text tool, click-and-drag the vertical line cursor to select the text, hit Ctl-C to copy it to the clipboard, and then simply paste it into a Word document; however, using Acrobat 8.0, this same copy-and-paste seems to be difficult if not impossible. If you try using the Select Tool (next to the Hand Tool), you either get a crosshair cursor that lets you open a box or, more often, nothing at all.
The select tools have been updated, but the select behavior is the same in Acrobat 8. When you see "crosshairs" vs. a "text cursor" the document is a scanned PDF — just an "image" vs. a document with text. Select Document > OCR Text Recognition > Recognize Text Using OCR to convert the document from "image only" to actual text that can be selected.
Note that the PDF may be protected - that is the author has selected to disable the ability to copy/paste from the document. To check security settings, select File > Properties and select the Security tab.
Related topics:
|Export PDFs
Top Searches:
|Create PDF, Convert PDF to Word, Convert PDF to Excel, Convert PDF to PowerPoint
Comments for this tutorial are now closed.
Hi anand,
If the PDF file has been password protected to disallow these things then you won't be able to export the content. You'll need to go back to the original author to get a version you can export.
One of my adobe reader document is password protected which i copied from my friend.You cant copy,print nothing you can do with this document.I want to convert to word document or excel,so that at least i can take print outs of the document.Please help me.Thank you.
Hi Sandi,
Can you post your question to our Answers forum for a faster response:
I turned a word document into a PDF and then made a submittable form. The form is used to request use of our office classrooms. Once the time is reserved in an Outlook calendar, the details are copied and pasted into the calendar for all who needs to see.
When a PDF is filled out, I "Select All" and Copy and Paste the text. The text filled into the form fields does not copied over. Is there a way to copy and paste ALL text, including form field data, at one time?
I suggested just attaching the PDF to the calendar appointment, but that was not what the users of the form wanted. Any help would be appreciated!
Hi Snigdha Bansal,
Have you tried using the newest version of Acrobat to do this. The DC version has a lot of improvements associated with editing/exporting a scanned PDF document.
please help me out! i want to convert scanned pdf file into editable word document? i have tried all the possible ways. please help!the pdf file is of 400 pages and i cant type so much! and the pdf file is a scanned book i cant copy it also
Hi Molly,
You'll need Acrobat to OCR an image and/or convert to Word. Another alternative is to use the ExportPDF online service at:
I am also wondering how to copy text in the form of an image to then paste into word in any free version of Adobe.
Hi Vipan,
Acrobat Std. or Pro. can do a Save As from the File menu. Here is a tutorial on the subject:
If you're using the free Adobe Reader, you can use the online service called ExportPDF to do this for you:
pl send the software for converting pdf to word which can be copy paste edit the documents
Hi anandberanrd,
You'll need to convert the text in your TIFF image to real text. Here is a tutorial that explains how to do this:
the information is good but the thing is i converted tiff to pdf and now i want to copy text in the form of image but how i dont know. Could u help me out?
Comments for this tutorial are now closed.


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There has been a name change to one of the MCTS certifications in development for Windows Server 2008. Wanted to let you know so you don't start seeing another name floating around and freak out.
The change is: MCTS: Applications Platform, Configuring has been finalized as MCTS: Applications Infrastructure, Configuring, to tie in better with Windows Server terminology. You'll start seeing this as we post final cert pages and prep guides in coming weeks, and in the December 5 live meeting.

subset: commoncrawl


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Pioneer to apply Tunisian proceeds to US plays
OMV AG will pay $866 million for the Tunisian oil and gas properties of Pioneer Natural Resources Co., Dallas, which plans to redeploy the proceeds to its Eagle Ford shale and Spraberry plays in the US.
By OGJ editors
HOUSTON, Jan. 6 – OMV AG will pay $866 million for the Tunisian oil and gas properties of Pioneer Natural Resources Co., Dallas, which plans to redeploy the proceeds to its Eagle Ford shale and Spraberry plays in the US.
The deal, expected to close in the 2011 first quarter retroactive to Jan. 1, is subject to normal closing adjustments. Net production from Pioneer's Tunisian subsidiaries averaged 5,400 b/d of oil equivalent in 2010, 90% oil.
OMV said Pioneer Tunisia's acreage has 38 million boe of proved and probable reserves and 21 million boe of possible reserves. It said the acreage offers considerable exploration upside and will complement OMV's existing south Tunisian assets, Jenein Sud and Nawara.
Substantial field operating synergy is possible. Also, Pioneer Tunisia and OMV are partners in the South Tunisia Gas Project to build a 320-km gas pipeline from the Adam production concession to the city of Gabes by 2014. The Pioneer acquisition will facilitate the STGP decision-making process, OMV said.
Pioneer Tunisia's interest in the Anaguid exploration permit and in the Mona/Durra production concession is subject to a preemption right of Pioneer Tunisia's partner under the respective Joint Operating Agreement. Anaguid and Mona/Durra account for 13% of the purchase price. If Pioneer's partner exercises the preemption right, the purchase price will be adjusted.
Pioneer said its most recent drilling program called for 30 rigs to be operating in the Spraberry in 2011, but with the sale to OMV it will hike that to 35 rigs by midyear.
Joint venture partners have approved an Eagle Ford acceleration plan that will result in an average 12 rigs operating during 2011 and more rigs the next 2 years. The initial plan called for a ramp-up to 10 rigs by the end of 2011.
The company expects the accelerated Eagle Ford program to boost its current compound annual production growth target of 15+% for 2011 through 2013 while maintaining a strong financial position.
Tunisia's state ETAP and the Tunisian government are "one of the best joint-venture partners and host governments that Pioneer has had the privilege to work with," said Scott D. Sheffield, Pioneer chairman and chief executive officer.


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50 American Playwrights That Everyone Should Know – Part II/
Anthony J. Piccione
They are the masterminds behind the plays that theatergoers of all kinds are treated to, whether it's at the community or professional level. Without them, the actors, directors and designers would not have a brilliant show to bring to life, to begin with. It is true that theatre is a collaborative art form, but of all the roles involved, none of them require more artistic or creative ability than that of the playwright.
It is the playwrights who first create the show that the actors, directors and technicians will ultimately bring to life. Without them, there would be no show to put on in the first place. Yet it seems as if that – despite the enormous role that they play in this process – they do not get nearly as much credit from society for their contributions to the arts and culture as they should, especially here in America.
Personally, not just as a young playwright himself – but as an individual that respects all kinds of artists in theatre and elsewhere – I'd like to see that change, and that is why I have decided to dedicate this five-part series to just 50 playwrights from the United States that everyone – especially those in the theatre community – ought to be familiar with. Each part in this series will contain 10 playwrights – in no particular order – who were among some of the most influential, critically acclaimed or thought-provoking playwrights in the history of American theatre.
So without further adieu, here is the second part of my list of 50 American playwrights that everyone should know
11. Horton Foote (1916-2009)
Without a doubt, Foote's greatest career achievement is penning the 1962 screenplay for To Kill a Mockingbird. However, he was also notable for his work that he penned for the stage. Among these works include the English translation of Scarlett – a Japanese musical adaptation of Gone with the Wind – as well as the Pulitzer Prize-winning The Young Man From Atlanta and a biographical series consisting of nine one-act plays entitled The Orphans' Home Cycle.
12. Oscar Hammerstein II (1895-1960)
While Rodgers and Hammerstein is widely cited as perhaps the most influential duo in the history of American musical theatre, it is Hammerstein who deserves the most credit for writing the scripts for these great Broadways shows, while Rodgers dealt with composing. The musicals which he penned remain some of the most popular of all time. Having won 8 Tonys and 2 Oscars for his work – which included Oklahoma, Carousel, The King and I and South Pacific – few writers of musical theatre can compare to Hammerstein.
13. Moss Hart (1904-1961)
In the early 20th century, Hart became known primarily for his collaborations with George S. Kaufman (see Part I) which received critical acclaim. These works included Once in a Lifetime, Merrily We Roll Along, You Can't Take It With You and The Man Who Came to Dinner. He was also known for his work as a screenwriter, having penned a few notable film classics for 20th Century Fox.
14. Lillian Hellman (1905-1984)
Few female playwrights in the 20th century – if not in all of American history – had enjoyed as much Broadway success as Hellman. Her most notable works include The Children's Hour, Watch on the Rhine, The Autumn Garden and The Little Foxes, the latter of which received a 1942 film adaptation starring Bette Davis. Unfortunately, her Cold War-era activism – which led to her being blacklisted by the House Committee on Un-American Activities – overshadowed much of her achievements in theatre during her later years.
15. Langston Hughes (1902-1967)
A prominent figure in the Harlem Renaissance, Hughes was a notable black artist and activist in the 1920s. While perhaps better known for writing poetry and fiction, he also wrote many notable works for the stage. His most notable works in theatre include Mule Bone, Street Scene, Tambourines to Glory and Black Nativity.
16. William Inge (1913-1973)
Known as the "Playwright of the Midwest" in his time, Inge was known for writing several plays that were focused on small-town life in Middle America. He enjoyed some Broadway successes in the 1950s, the most notable of them being the Pulitzer Prize-winning Picnic. However, his critical failures during the later years of his career were ultimately a factor that led to his suicide at the age of 60.
17. Arthur Laurents (1917-2011)
After a successful career writing for radio and the screen during World War II, Laurents turned his attention to writing for the stage. While his vast body of work also includes a fair amount of straight plays, he is perhaps best known for writing some of the most beloved and critically acclaimed Broadway musicals of all time. These works include West Side Story, Gypsy and Hallelujah, Baby!
18. Arthur Miller (1915-2005)
One of the most prolific playwrights of the 20th century, Miller remains one of the most popular and celebrated playwrights in American history. He is perhaps best known for the Tony Award and Pulitzer Prize-winning play Death of a Salesman, widely cited by many as one of the greatest American dramas of all time. His long list of work also includes All My Sons, The Crucible and A View from the Bridge.
19. Clifford Odets (1906-1963)
During the Great Depression, Odets emerged as one of the most successful and significant playwrights of his generation. One of the greatest writers of social and political theatre in American history, his work influenced generations of playwrights that followed him. Some of these works include Waiting for Lefty, Paradise Lost, Clash by Night and The Big Knife.
20. Tennessee Williams (1911-1983)
Along with Eugene O'Neill and Arthur Miller, Williams is considered to be one of the greatest writers of American realism in theatre. While he was initially not very successful as a writer, his unhappiness with his situation was what led him to write the great drama that established his career: The Glass Menagerie. After that came A Streetcar Named Desire, widely considered to be one of the greatest American dramas of all time. While he penned several other works after that, his career eventually endured a steep decline, which fueled his addiction to drugs and alcohol that ultimately led to his death at the age of 71.
Stay tuned for Part III of this list! If you have any suggestions for playwrights that you believe should be on this list, feel free to let us know in the comments sections.
This column was written by Anthony J. Piccione: Student, playwright, actor, poet and blogger currently based in Connecticut. To learn more about Anthony and his work, please visit his personal blog at www.anthonyjpiccione.tumblr.com. Also, be sure to like him on Facebook (www.facebook.com/AnthonyJPiccione.OfficialPage), follow him on Twitter (@A_J_Piccione) and view his work on the New Play Exchange (www.newplayexchange.org/users/903/anthony-j-piccione).


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Last week, we talked about how specific experiences in our childhood have shaped our relationship with money. This week, I want to focus on retraining your subconscious. You want to break away from those inherited beliefs so you can eliminate the roadblocks to your financial success.
I closed my last blog post with a reflection exercise where you wrote down the different experiences and situations you were in during your childhood. What were some of the things you wrote down? Did you quickly spend your allowance or did you tightly hold on to it? Were you the leader of your pack or a shy type that went along with what your friends did?
Getting in touch with your feelings
Look over the things you wrote. What do you feel when you remember those childhood experiences? And how does that feeling shift when you think about how those experiences affect you today?
Here's an example. When you would go shopping with your group of friends in high school, you felt pressured to buy something when everyone else in the group had a bag. You didn't want to feel left out, and you eased your anxiety by doing what the others did. As you grew older, you never kicked that feeling of needing to purchase something – anything – when someone close to you got something new for themselves. You never grew out of that anxiety; it grew right along with you.
So why is this anxiety so hard to kick? Most unhealthy behaviors are the result of two types of internal emotional conflict: having needs that aren't met or having trouble setting personal boundaries. When you look over the things you wrote down, I'm willing to be that all of them fall within these two categories. And if those experiences still give you feelings of shame, anger or resentment, now is as good of a time as any to reroute those feelings.
So what's next?
You have to be completely honest about how those moments made you feel then, and how they continue to make you feel now. We're so accustomed to judging ourselves – we chide ourselves for being weak yet we feel ashamed of the moments when our assertiveness has a negative effect on those around us.
Instead of crawling back into the shell of old, comfortable habits, confront those feelings head on. Whenever you feel those same pangs of anxiety, don't run to the nearest boutique to soothe your distress. Retrace the steps to the root of those feelings. Remind yourself that you are justified in feeling the way that you do, but it doesn't have to control you.
This week, focus on confronting your feelings – as many of them as you can muster. Think of ways you can counter those negative feelings of anxiety or frustration associated with money with positive thoughts and actions. Then next week, after you've worked on overcoming those setbacks, we can start to talk about creating the life of your dreams.
Sign up for my weekly words of wisdom (in the top right-hand corner of your screen) for encouraging thoughts each Tuesday. And be sure to check out my book, The Emotion Behind Money, for guidance and healing. You can take control of your finances, and I can help you.
Tags: Julie Murphy Casserly, Emotion Behind Money, Chicago financial planner, Chicago personal finance, confronting feelings, confronting emotions, emotional healing, emotions and money, why I spend, spending, conscious spending


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Saturday, March 14th, 2015, 9:00 AM- 6:00 PM, Austrian Cultural Centre ,7/9 Prozna Street, Warsaw Austriackie Forum Kultury / Österreichische Kulturforum Warschau
09:00 AM-10:00 AM – Registration
prof. Gerard Loughlin: What is Queer Theology?
prof. Kalina Wojciechowska: First Human and Perfect Human as Androgyne
Enric Vilà: Centurion's servant in Jesus' Gospels: A queer love story?
1:30 PM-2:30 PM – Break
dr Michael Brinkschröder: Queer Reading of St. Paul
dr Marek Woszczek: Paul and Spectres of the Body. Queering the Ecclesiology as a Metaphysical Problem
dr Marcela Kościańczuk: Queering and queer theology – inclusive utopia or real work in progress project against discrimination?
Prof. Gerard Loughlin (Durham University, UK)
What is Queer Theology?
'Queer' is a word reclaimed. Meaning 'strange' or 'odd', it became a derogatory term for homosexuals, who were deemed to be at odds with normality. Homosexuals seemed strange and perverted fellows. But non – and for some—'queer' has become a name for those who are proud to deviate from the norm, and for a theoretical stance that questions the possibility of the 'norm', the possibility of fixed and stable identities.
Queer theology is the questioning of similar ideas within Christianity, ideas about what it is to be 'man' or 'woman'. But queer theology is more than this. It is also the claim that theology is already queer, strange and odd. When theology seems normal, ordinary and taken for granted, it is no longer proper theology, no longer thinking the divine. For God denies our certainties, coming to us—as the gospel tells us—in the stranger (Matthew 25:43).
Apophatic theology—the tradition that extends from the Pseudo-Dionysius to Thomas Aquinas, and beyond—perverts our easy and accepted ideas about God; and queer theology extends this by perverting our easy and accepted ideas about gender. It shows us divinity alive in the fluidity of our being, in the multitude of becomings that is the human body.
Prof. Kalina Wojciechowska (Christian Theological Academy in Warsaw, Poland)
First Human and Perfect Human as Androgyne
Genesis creation narratives (Gen 1-2) often invoke androgynous imagery that reflect an understanding of primordial unitas. Many commentaries interpreted this creation as androgynous myth: God created man and woman as one and sex differentiation is one of results of the Fall. This understanding finds its way into Christianity. Risen and exalted Christ is a perfect Androgyne and in Him every human – regardless of sex, gender and sex orientation – could once again obtain equality. The aim of this paper is to analyze texts in Gen 1-2 and Eph 2 in the light of the androgynous hermeneutic.
Enric Vilà (Faculty of Theology in Catalonia in Barcelona, Spain)
Centurion's servant in Jesus' Gospels: A queer love story?
Some Bible scholars and theologians last recent years reread and offer a queer perspective of the biblical Roman centurion and his son/servant's passage at Capernaum. The author overviews the main different exegetical approaches of the episode in Synoptic Gospels of Matthew 8:5-13 and Luke 7:1-10 together with John 4: 43-54. He offers also exegetical key points of the texts within biblical framework for a hermeneutical reading. The article presents a synthetic status quaestionis of the issue and the different foundings and interpretations from scholars and their main conclusions until today.
Dr. Michael Brinkschröder (European Forum of LGBT Christian Groups, Germany)
Queer Reading of St. Paul
We are used to imagine St. Paul as the highest ranking biblical authority for Christian anti-homosexuality. But this understanding doesn't take into consideration his intimate relationship with Jesus Christ. Starting from a painting from Caravaggio, the lecture will use Platon's understanding of the erotic relationship between males and queer theory as hermeneutical keys to examine passages from the letters of St. Paul that have been widely ignored by exegetical researchers. As a result of this reading, St. Paul becomes a highly ambivalent figure when it comes to homoeroticism and same-sex love. Same-sex relationships are deeply embedded in the theological and spiritual tradition of the Catholic church although they have been repressed at the same time.
Dr. Marek Woszczek (Adam Mickiewicz University in Poznan, Poland)
Paul and Spectres of the Body. Queering the Ecclesiology as a Metaphysical Problem
The body of Christ is perhaps one of the most theologically attractive themes of the whole Christian tradition but it is not clear how queer it might be, especially when the cherished ekklesia does not and cannot be equivalent to some healthy, complete 'organism' from the pagan (e.g. Platonic or Stoic) political-affective imagination. Paul has created, perhaps not fully intentionally, a grave metaphysical dilemma for the Christian theology, since the body of God is a spectral or virtual presence, and the rules of apparition for queer bodies are always ambiguous and politically not fully controllable, even dangerous. Thus, a disruptive politics is always interfering with a core of the ecclesiological assumptions and one can never be sure what does it mean to have a 'Christian community' on hand. What then? I claim that queering the ecclesiology always means dealing with that fully spectral dimension of the future, and that is a metaphysical concept of the infinite diversity/productivity colliding with the common apocalyptic and utopian imagination which is unfortunately infused with the demoralizing fantasies about an absolute, end-of-time unity at any cost. The queer Christian ecclesiology could be a domain of a tender, anarchist hope not caring about the latter, and the churches looking for those forlorn unities might not like it at all, in contrast to the queer metaphysics with deep Christian affects. Thus, a queer ecclesiology is also a queer metaphysics of history, which Paul seems to be at least partly aware of.
Dr. Marcela Kościańczuk (Adam Mickiewicz University in Poznan, Poland)
Queering and queer theology – inclusive utopia or real work in progress project against discrimination?
The article presents different understandings of queering and queer theology. The author presents her own idea on radical and reformist branch in queer theology to show possible advantages and disadvantages of each way of understanding term 'queer' and queer strategies in context of different (usually multiple) forms of experienced discriminations. The author, who situates herself rather in non-radical branch of queer theology, presents also some contemporary movements of Roman Catholic Church leaders as queer strategies which however usually don't really change the situation of minority groups. One of queer theology main goal is in the author's opinion deconstruct them to show revolutionary potential of the words in changed context.


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Personal, social,health and citizenship education (PSHCE) enables children to become healthy, independent and responsible members of society. We encourage our pupils to play a positive role in contributing to the life of the school and the wider community. In so doing, we help develop their sense of self-worth. We teach them how society is organised and governed. We ensure that they experience the process of democracy in school through our School ethos, Circle Time, Assemblies, School Council, School Captains and the Citizenship Award. We teach them about rights and responsibilities. They learn to appreciate what it means to be a positive member of a diverse, multicultural society. Our objective is to enable children and young people to embrace change, feel positive about themselves and enjoy healthy, safe, responsible and fulfilled lives. In terms of economic well-being and financial capability, we aim to teach young people to develop as questioning and informed consumers and learn to manage their money and finances effectively.
The aims of personal, social and health education and citizenship are to enable the children to:
- know and understand what constitutes a healthy lifestyle;
- be aware of safety issues;
- understand what makes for good relationships with others;
- have respect for others;
- be independent and responsible members of the school community, demonstrating behaviours adopted in our school values (Reverence, Trust, Compassion, Friendship, Trust);
- be positive and active members of a democratic society;
- develop self-confidence and self-esteem, and make informed choices regarding personal and social issues;
- develop good relationships with other members of the school and the wider community;
- learn about their rights, responsibilities, duties and freedoms through studying laws, justice and democracy.
The Teaching of PSHCE
We teach PSHCE and citizenship in a variety of ways. We currently use Heartsmart as a primary means of delivering the PSHCE curriculum.
We often teach PSHCE and citizenship in a cross-curricular way, although there are times when discrete lessons are more appropriate to the content being delivered. As there is a large overlap between the programme of study for Religious Education and the aims of PSHE and citizenship, we teach a considerable amount of the PSHE and citizenship through our religious education lessons.
We also develop PSHE and citizenship through activities and whole-school events, e.g. Eco-club, the Life Education Caravan, Road Safety workshops and Play Leaders. We also offer residential visits to Hinning House /Low Bank Ground, Lockerbie and France in Key Stage 2, where there is a particular focus on developing pupils' self esteem and giving them opportunities to develop leadership and co-operative skills.
PSHCE in Foundation Stage
In the Foundation Stage, PSHCE is taught through the Prime Area of Learning - Personal, Social and Emotional Development. It is an integral part of the children's learning and development. We support the children in developing the skills required to meet Early Learning Goals at the end of the Foundation Stage.
It is important that our curriculum is relevant to our pupils and to this end, our PSHCE and Computing Curriculum includes elements of 'e-safety' to educate our pupils about ways they can stay safe online. An annual e-safety week helps to highlight the importance of this subject.


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Three NSW athletes have followed very pathways to selection on the Australian World Championships team announced last week. Milly Clark, Jeff Hunt and Brad Milosevic will line up on August 6, to run the gruelling marathon, through the streets of London. Milosevic makes his Australian team debut, Rio Olympian Clark adds another national vest to her resume and London Olympian, Hunt returns to the green and gold.
The 27th NSW Cross Country Relay championships, part of the Waratah Run Series, were conducted at the spectator friendly Miranda course for the 19th occasion. The open races were in contrast. with a close battle in the men's event where Randwick Botany held off Bankstown, while in the women's event, Sydney University dominated, claiming their fifth consecutive title.


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Hey Queens, Shear Black is starting a new campaign... here's everything you need to know!
#FixYourCrownFriday is a new campaign Shear Black will be running, to empower women. I want to give back to the community so every Friday, $5 from each appointment will be donated to The Alternatives for Girls Foundation starting 11/11/16. Proceeds will be dropped off once a month. Any additional proceeds will be accepted as well.
#FixYourCrownFriday is about women, fixing their metaphoric crowns. What that means is, even when life gets you down or when the odds are against you, you pull yourself up and get keep pushing forward. This campaign is about more than just hair, its about empowering our sisters, and continuing to show the world how excellent Black women really are. The campaign is based around the notion that women can overcome any challenges they face, and become something great. I know firsthand how true that statement is, and I know that my guests feel the same way. My clientele is the epitome of black excellence, and I want to use that as an example for young girls today.
I would love for my clients to help out with this in other ways as well. Donating any feminine products, clothing, or shoes would only help the cause. Those who bring something to donate will receive $5 off their service that day. I'm very excited to implement this campaign, and I'm excited to involve my clients as well! If you have any questions, please let me know. Donations will be accepted at all times, however I do hope Friday reservations will be at an all time high, so that we can make a huge impact. See you soon!


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Harry is a 13 year old mix of who knows just what exactly…..(mini schnauzer, terrier, Chinese crested…and the list could go on).
This handsome guy got his name from a book from the 50's called Harry the Dirty Dog. It is about a mischievous little fella who gets into lots of trouble. A very fitting name for this pup.
He loves his hedgehog toy, sleeping in the bed with his people, and bird poop. He is not a fan of barbershop quartet singing, tuna, the mobile groomer, or his dad's rancor star wars toy.
His mom, Kate, says that she loves the little twinkle in his eye most of all.
Harry was adopted from the Wilson County Animal Shelter. He actually crawled right into Kate's purse as a tiny puppy... so of course she had to take him home.
When I asked Kate what she loved about all his mixed breeds she said: 'Everything! I love ALL of them. Ha! I love his crazy hair (Chinese crested) to his sharp intelligence (terrier). He communicates. He has a sense of humor and he actually tries to tempt me with his toys. Right as I am about to grab his hedgehog he rips it away and runs down the hall. He definitely has a little devilish side (mini-schnauzer).'
Enjoy a few of my favorites from his session!
Contact a Pet Photographer in Nashville
Mandy Whitley Photography is Nashville's premiere pet photographer. Mandy Whitley creates fun and playful photographs with pets and their people. She photographs portrait sessions, family sessions, couple portraits, and weddings - as well as just pets! To inquire about booking a photo session, contact Mandy!


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We cater to all types of bicycles at any experience level.
Proper fit is critical for every rider and one of the most important factors when riding a bike. Your bicycle is an extension of your body. It doesn't matter how many fancy parts and gizmos you put on your bike, if your bike doesn't fit you properly, you're missing out. We want to help our clients to experience the joy of riding a bike. We want to make sure that nobody stops riding a bicycle due to pain or discomfort that can be addressed with a proper bike fit. We provide a thorough, professional alternative to the traditional bike shop fitting experience. We have taken professional fitting seriously since we made the decision to open Pro Cycle.
We continue to pursue the top programs in the world to train our staff so you can be assured that you are getting the best fitting possible. Pro Cycle has one of the few Retul Certified Master Fitters and Body Geometry Fit Certified Master Fitters, Joseph Bolton, in the world.
Fit Rates
We offer multiple fit services so it is recommended to contact us so we can discuss and select the best fit service to meet your needs.
Fit Scheduling
Due to the detail of our fit process, fit is appointment only. Please contact us to schedule.
All professional fitting services include a one year follow up service. If for any reason you do not feel that you are benefiting from your fit please let us know and we will continue to work hard to make it right. A follow up may also be a routine check, no discomfort is necessary if you would like to have your fit checked.


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Hello everyone,
It's been a long time since a wroth something on here, but I had a lot to do and to learn. My best friend Jeanette from Germany came to visit me. We did a lot of lovely girly stuff, but she also had to teach me a few things. I love nail polish but I hate it when it's peeling of or you have tip wear after a few hour, so asked her to tell me about her secrets. She's a real nail junkie and she's got a beautiful Blog about nail polish called "TheSwatchaholic" You really have to take a look there, you will love it ;)
So and now over to what I learned :)
First I applied 2 coats from O.P.I. Nail Envy and let it dry completely. Next step was a layer of Sinfulcolours nail polish in the colour "Wicket Mind". I was very happy because it just needed one coat. Than the stamping :) I did it with "Burgandy Apple" from the same brand and a stamping image plate from Essence.
Afterwards... the last step a coat of INM "Out the Door" Super fast drying polish, but than a little problem came up.The top coat took some of the stamping away :( I don't know what the problem was...but maybe some of you have an answer for me ;)
Here is the result of my first work without my lovely teacher ;)
Thank you for reading.


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Book a room online
Tourism Grading Council of Southern Africa
Star grading is an independent assessment of what your guests can expect to find at your accommodation.
Since 1949 Fedhasa has been representing the South African Hospitality Industry on a local, Provincial, national and global level to protect the interests of all stakeholders of the industry, thereby enabling members to achieve their objectives.
Southern African Association for the Conference Industry
Founded in 1987, the Southern African Association for the Conference Industry (SAACI) is a Section 21 Company and is the umbrella body of the conference and meetings industry of South Africa and is dedicated to maintaining and improving its levels of efficiency and professionalism.
AA Highly Recommended
AA Travel Guides is the largest online travel database in South Africa for accomodation ranging from luxury hotels to B&B's, guest houses, hotels, self catering chalets and apartments, lodges, game and nature reserves, caravan and camping throughout South Africa.
Murray Street Guesthouse
Nestled in the heart of the up-market suburb of Brooklyn, Pretoria lies The Murray Street 137 Guesthouse. This distinguished guest house portrays an aura of old world charm with its warm wooden floors, fire places, high pressed ceilings and antique fittings.
Tshwane Tourism Association
The Tshwane Tourism Association (TTA) promotes tourism in the City in partnership with other stakeholders, growing the local economy and creating job opportunities, to the benefit of members and the community at large.
Guesthouse Association of Tshwane and Pretoria East
The Association is an official representative spokes-body of Bed and Breakfast, Guesthouses, and Self Catering establishments situated in the different suburbs of Tshwane / Pretoria.
Housekeeping Association of SA
H.A.S.A was founded in 1994. It has a constitution which stipulates that we are a non-racist, non-sexist and non-political association. Our primary objectives are to assist in training, educating and developing Housekeepers for the hospitality industry.
Tourism Marketing Levy South Africa (TOMSA)
TOMSA is a private sector initiative, set up in 1998 to raise additional funds for the marketing of destination South Africa. As the appointed marketing agency for destination South Africa.
Bed and Breakfast Association of Pretoria, BBAPT
All our establishments are quality approved by the Association.We have a great variety of accommodaton to meet your requirements, from the most affordable accommodation to very exclusive options.


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Well, after preparing Evangeline & Ray Ray with books, and photos, and songs for the last month for a visit to The Big Kahuna at his vacation home in Newport Beach, I thought we just might avoid the Santa Meltdown...
Not so much.
Both of the babies were wiggly-excited all the way up to the front door, ran straight for him with arms wide open, and then screamed their little baby heads off once they got within white glove range.
Oh well. I finally got them to agree to lower the screeching pitch a notch if the older kids held them for the photo. Evangeline said, "OK, yes, that's a much better idea, Mama. I love you, Santa, but no lap-sitting for me today, OK? Don't be sad! Except for right now, I've been SO GOOD!"
Shoot, my little liar is just so cute! I must add that Jackie was a mensch for agreeing to sit happily on Santa's lap, too.
There's always next year...
11 December 2008
Visiting The Big Kahuna at His Beach House
Well, after preparing Evangeline & Ray Ray with books, and photos, and songs for the last month for a visit to The Big Kahuna at his vacation home in Newport Beach, I thought we just might avoid the Santa Meltdown...
6 comments:
- Kristi J said...
that is adorable...so cute...our pic was awful..oh well..no one likes santa in our home yet :) love seeing the 5 kids together, kristi
- December 11, 2008 at 11:00 PM
- tish said...
very funny, and way to go, jackie!!! what a trooper! evangeline just cracks me up the way she speaks so eloquently!!
- December 12, 2008 at 6:38 AM
- The Boyce Family said...
Sweet picture and precious family! Hope everyone's feeling better.
- December 12, 2008 at 7:26 AM
- emily said...
So precious!
- December 12, 2008 at 9:43 AM
- FHL said...
Oh Evangeline's quote cracked me up! Too funny! And the picture turned out great even if the girls didn't want to sit with Santa :o)
We gave up years ago. J's first Christmas we got a look of curiosity as he turned and registered Santa's face, the photographer was amazing and somehow managed to click a 100th of a second prior to meltdown....minus two years ago when we ran into Santa going into a store and J agreed to a cell phone shot, we have never gotten him near the man. You'd think by now.........Oh well, maybe when he's 16 ;o)
- December 13, 2008 at 8:53 AM
- Cherise said...
Hey there Laurie- cute picture- they have all gotten so big- WOW- where does the time go?! You have a BEAUTIFUL family. I love your blog- I've really enjoyed reading! That is too funny about Santa! Kids are so great. Gotta love it! Merry Christmas to you and yours, may your New Year be blessed!
- December 14, 2008 at 7:41 AM


text: Year 4 has had a great week. In Math we have been identifying parallel and perpendicular lines in 2D shapes. In PSHE we have been discussing and acting out different scenarios about bullying and being kind to each other which will help strengthen our relationships. In English we have been creating our own Non-chronological report on an animal of our choice. We had great fun because we used the laptops to gather the information we needed for the reports. Year 4 have also enjoyed showing off all they have achieved this term to their parents on the open afternoon. Next week we will be looking at Poetry in English and Time Graphs in Maths.


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THERAPYDo you want to wear Caprice's knickers
23:57 GMT, 2 September 2012
There is a host of celebrity underwear available this autumn, from Rosie Huntington-Whiteley for Autograph at Marks & Spencer to Geri Halliwell for Next.
My first question is how on earth do these women know anything about the engineering that goes into a bra, or the technology of fabric And why are famous women with perfectly spherical, gravity-defying breasts the only ones asked to design ranges Surely the pendulous and the flat-chested need more help
If I have learned anything during my 30 years working in fashion, it is that buying expensive silk underwear is just not worth it.
Rating: Precious Cappy by Caprice (left) scores 5/10; Elle Macpherson Essential Luxury scores 8/10
I once bought a pair of silk cami knickers from Marc Jacobs for 150 that were dry clean only!
So, mindful of my overdraft, I put the new High Street celebrity ranges to the test.
Beauty by numbers: Gery by Next (left) scores 4/10; Kelly Brook for New Look scores 8/10; and Rosie for Autograph scores 8/10
While some are hideous and cheap looking, overall I was pleasantly surprised — particularly by the Elle Macpherson Essential Luxury and Kelly Brook for New Look undies.
Now all I need is a hot date!
More from Liz Jones…
LIZ JONES: I'm profoundly deaf. So why can't I be in the Paralympics
Liz Jones: In which we can't agree
LIZ JONES FASHION THERAPY: A confidence coach is the latest A-list accessory. So what happened when our eternally angst-ridden columnist met one
Would you Adam and Eve it YOU columnist Liz Jones bares all
Liz Jones: In which I long to come clean
The Stasi paid for the thought police, but trolls do it for free
She was the legendary Cosmo editor who told single women they could enjoy guilt-free sex and coined the phrase having it all. Helen Gurley Brown was a genius, says Liz Jones, but she sold us an impossible dream
LIZ JONES: I've wasted 157,000 on waxing, but hairs never give up the ghost
Geri by Next
Geri by Next cream silk bra, 18, and briefs, 10, next.co.uk
bra has foam in the base of the cup, pushing your bust up. It fits well
and it is a good design for the bigger breasted, but the straps are
very narrow so could cut into the flesh. The fabric is 100 per cent
Geri says the
knicker shapes are 'very flattering' but they ride up quickly, and are
cut too long on the leg. The label is too big as well, spoiling the look
and they feel a bit cheap. Marked down due to the awful knickers.
Designers: Geri (left) says the the knicker shapes are 'very flattering' and Rosie Huntington-Whiteley (right) insists she is designing for all shapes and sizes
Rosie for Autograph
In an interview to promote her range of underwear in Elle Magazine, Rosie Huntington-Whiteley insists she is not just designing underwear for her own magnificent body, but for women of all shapes and size.
Actually, out of all the celebrity ranges, these tie as equal best with Elle Macpherson and Kelly Brook. Made from 58 per cent silk, the collection feels classy and sexy, and fits well.
Kelly Brook for New Look
Kelly Brook cream polka dot with black lace bra, 14.99, and briefs, 5.99, newlook.co.uk
I hate polka dot, but if you like a Fifties vibe, this is the set for you. Kelly describes her range as 'gorgeous and feminine'. The balcony bra is my favourite shape: remember Carrie Bradshaw in Sex And The City always wore this style as it's flattering for smaller busts. I think teenage girls will love this range, as it is fairly cheap and not tarty. But it is hand-wash only, which busy women might find annoying.
From left to right: Kelly Brook describes her range as gorgeous and feminine; Caprice designs Precious Cappy; and Elle Macpherson has managed to make synthetic underwear feel classy
Precious Cappy by Caprice
Precious Cappy /09/02/article-2197227-14C545FD000005DC-123_196x260.jpg" width="196″ height="260″ alt="Jimmy choo calf biker boots" class="blkBorder" />
But this time, I gave myself an
afternoon, and took myself off to the biggest footwear Mecca in London:
the shoe boutique at Selfridges in Oxford Street. My mission To find a
chunky pair of mid-calf biker boots.
Revamped two years ago, it stocks
nearly 70 brands on 35,000 sq ft of floor space. But it has stiff
competition in the capital, most notably at Liberty and Harrods, which
is soon to stock the elusive Manolo Blahnik.
First impressions are good, and the
brands are impressive. There is a Havaianas flip-flop counter, and Ugg
store. Plus Marni, McQueen, Rupert Sanderson, Burberry, Dior, and —
exclusive to Selfridges — is the Truth Or Dare Collection by Madonna,
which is rather ladylike and lovely, with a pair of studded stilettos at
180. Unfortunately, the service leaves a lot to be desired. As I stood
looking at the Marni boots, I asked the sales assistant where I could
find chunkier bikers. 'Um, I only work in this section,' she said.
I also found each concession too
small, with not enough choice or smart basics. Eventually, I wandered
into Jimmy Choo (pictured right). 'Yes, we 'ave a pair, but no size six,' I'm told. But
15 minutes later, after finding some in the stockroom, I had my boots
(pictured) — at just under 600. At least I'll save on not having to get
cabs everywhere.


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Hi Ninja,
Welcome to the Wonderful World of Lick Me I'm Delicious. We're very happy to have you as part of our small team and we hope you enjoy working for us.
This page gives a few details of what we need from you before you start work. Please read it carefully and complete the requested sections. If you have any questions about any of the below, please email Rhys - email@example.com
The first (and most important) is for us to be able to process your pay correctly. If you work for us before the 25th of the month, we'll pay you on the last working day of that month. If your working date falls between the 25th and the end of the month, you'll be paid at the end of the next month.
Before we can pay you, we need you to fill in a New Starter Checklist. You can do this either by clicking option 1 below which will download the form. From there you'll need to print and complete, then scan and send back to us. Alternatively, by clicking on option 2 you'll go straight to the Gov.uk website where you can complete the form online then send a copy over to us. Please send the completed form to email@example.com before the 28th of the month, otherwise your pay may be delayed.
Option 1
Option 2
Please also ensure your bank details are up to date on the watuapp system, again so that your pay isn't delayed.
The staffing portal - www.lickmeimdelicious.watuapp.com - will show all the available work opportunities. We put all our work on the jobs board where you can review the location, times and hourly rate of the job then apply if and when you are available. We do try and spread the work amongst our team equally so apply for as much as you can and we'll do our best to get you on an event.
As soon you're confirmed onto an event, you'll receive an email to let you know and we ask you to confirm your shift by clicking on the link within the confirmation email.
When you work for us, you'll receive on-the-job training for the specific machines you'll be required to work with. However, before you work for us, we need you to read through our induction document which covers the basis aspects of training relating to uniform, health, safety and hygiene at work.
Click on the image below, read thoroughly ensuring you understand each section. If you have any questions or concerns please contact Rhys - email@example.com
Once you are happy, please complete the following short form to confirm you've read the basic training. You will not be able to work for us if you have not submitted this form.
(Please note the date fields are in the American format mm/dd/yyyy - at the moment we can't change this).
We always want you to enjoy working for us but it is important to remember that you are representing Lick Me I'm Delicious in front our our clients and their guests. Each event we do is different, but the nature of our machines means that you are encouraged to actively make conversation with guests.
Please make sure your uniform is spot-on. Particular points of note are:
Hair neatly tied back. Use clips if neccessary.
Black shoes which are closed toe and cover your whole foot.
Black trousers which cover the ankle, not skinny jeans.
Thanks for taking the time to read the above and we look forward to seeing your ninja skills on an event very soon.


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Recology, a San Francisco-based waste company, has received an environmental award from a leading industry publication. The company received the Waste & Recycling News Environmental Award for its waste diversion programs and corporate sustainability efforts. Waste and Recycling News published the following statement:
"Recology is a great example of a solid waste company that even in an aggressively environmental area looks to find its own niche and impact. Its home base of San Francisco has a 72% recycling rate, so much of the environmental good is done before it even gets to Recology. But the company still manages to recycle half of what it picks up. It diverts organic matter when the firm see it as a better option than landfill gas capture.
Recology, which renamed itself to include environmental words like recycling and ecology, has pushed to have more than half its fleet operate on environmentally friendly fuels, even at a higher cost. The firm even has an artist-in-residence program to make better use of discarded materials. That´s thinking outside the box for a garbage company."


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Samsung (OTC:SSNLF) was set to launch its first phone running Tizen last week until it faced yet another set back. After a cancelled launch in Japan earlier this year, Samsung set its sights on Russia with the Samsung Z -- a high-end Tizen-based smartphone. The Samsung Z is now set to launch later this year.
Tizen, an alternative mobile OS, is Samsung's best opportunity to reduce its reliance on Google (NASDAQ:GOOG) (NASDAQ:GOOGL). More importantly, it's a path for Samsung to differentiate its products from other Android phone makers.
But Samsung wants to make sure it's differentiated in the right way -- a positive way. Otherwise, the Samsung Z and its sequels may never get off the ground.
What kept the Z grounded this time?
In Japan, Samsung faced opposition from NTT DoCoMo, which shelved plans for the Tizen phone based on the competitive market. Last week, Samsung delayed the launch of the Z itself.
The Korean electronics maker said in a statement, "the smartphone will appear on the Russian market later, when we can offer our users a fullest portfolio of applications." In other words, the app store is holding it back from being competitive.
Samsung's pitch to developers is quite uninspiring: "The most obvious advantage [of developing for the Tizen phone] is that you'll be at the top in a half empty store on a decent premium device."
There are a couple problems with that pitch. First, if every developer heeded it, the store would no longer be half empty. Second, Samsung isn't selling anybody on the hardware.
At least one other high profile smartphone OEM is producing a phone with an Android fork, and it offers developers unique hardware to play with and take advantage of. Samsung is offering developers a "decent" device to develop on with the only advantage being that Samsung is going to market the device.
What problem does Tizen solve?
Tizen doesn't make things easier for anybody except Samsung.
Samsung has had its issues with Google in the past, but agreed to terms earlier this year to cross-license patents with the search giant. The terms stipulated that Samsung tone down its TouchWiz UI and feature Google's apps more prominently. Still, the terms are less than optimal for Samsung, which would rather feature its own differentiated design and apps.
But Tizen doesn't make things any easier for developers. If it did, Samsung wouldn't have had to entice developers with $4 million in contest money. Developers already have strong markets to make apps for with Android and iOS. There's nothing Tizen can add for them besides being "at the top in a half empty store." That's like having the number one toy at KB Toys in 2008 -- nobody's shopping there.
For users, Tizen doesn't seem to solve any problems. Aside from the obvious dearth of apps, Google's APIs -- most notably, Maps -- will be completely absent. While there are replacements, they're inferior products. Even if the hardware is great, many users will opt for the best user experience over the best hardware specs. Samsung cannot offer that with Tizen.
Not a complete waste
Although we're still waiting for a Tizen phone, Samsung has already released two smartwatch models running Tizen: the Gear 2 and Gear 2 Neo. Samsung was early to the market with its smartwatches, and has the advantage of its huge smartphone base to help sell the wrist computers. As a result, the Gear line has a strong market share.
Google has responded with Android Wear, a version of Android specifically designed for smartwatches. True to form, Samsung has elected to use Google's OS as well as Tizen and its own specialized Android OS for wearables in its spray and pray strategy for capturing market share. Still, Tizen is the OS in its flagship model.
If Samsung is able to maintain market share of the wearable market as competition increases and convert more users to its flagship smartwatch running Tizen, it may still have a shot at making the OS work. Until then, it will have a hard time attracting developers and consumers.


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Week 1 - Children's Message
Children's Messages
Week One | Week Two | Week Three | Week Four
Week One Message
Life Saver
Scripture: 1 Timothy 2:3-4, "This is good and pleases God our Savior, for He wants everyone to be saved and to understand the truth." (Kids' Life Application Bible NLT)
Main Point: God calls us to share our faith with others. It is our responsibility as Christians to toss our lifesaver, Jesus Christ, to those who need Him – especially our friends.
Materials: Bible, lifesaving ring (inflatable toy or real foam version), 2 individually wrapped Life Savers candy for every child.
References: Adapted from "Help!" in The Humongous Book of Children's Messages published by Group Publishing, 2004
- Welcome to the Children's Message
- Read: 1 Timothy 2:3-4
- Attention Getter: Show lifesaving ring and ask "What is it? What is it used for?"
- Explain: Today the lifesaving ring represents our Faith in Jesus Christ – everything we know and believe about Him and His gift of forgiveness and life to us.
- Illustration Scenario (with volunteer mimes): One child will play a life guard holding the life ring and one child will play a swimmer. Prompt the children to mime the scenario as you tell a story about a swimmer that suddenly needs help because they are having trouble swimming. Ask the life guard what they will do to help the swimmer (they will probably toss the life ring to the swimmer). Affirm the life guard's decision. Now go through the scenario again, but this time change the story so that the life guard is too busy to toss the ring or just doesn't feel like helping the swimmer.
- Question: What will happen to the swimmer if the life guard doesn't toss them the life ring?
- Reminder: The lifesaving ring for today represents our faith in Jesus Christ and everything we know about Him. The Bible verse for today says that Jesus wants everyone to be saved.
- Questions: What if, in our lives, we hold onto our faith instead of sharing it with others? Why should we share our faith? Who should we share our faith with? Our friends?
- Identify: Ask the children to think of at least one friend that they'd like to share their faith in Jesus Christ with. Ask them to keep this person in their minds and to pray for them daily.
- Take Home: Give each child two Life Savers candies. Explain that the first one is to eat and to remind them of the friend they are praying for. The second candy is to give to their friend when they share their faith and explain that Jesus is our life saver.
- Pray: Remember to pray for the friends each child has identified to share their faith with.


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Here's How Law School Grads Would Fix Law School
Ask any third year law student from any graduating class, and you'll hear the same knocks on law school. The curriculum is out of touch with the practice of law.
Sure, they'll admit the need to learn the theories and precedents underlying the legal system. At the same time, it's hard to refute their deeper concern: How helpful is 'thinking like an attorney' when you don't know what to file or when (let alone taking a case from start-to-finish)?
It wasn't always like this. The law was once an apprentice industry, no different than the training of plumbers and electricians. Future lawyers spent years "reading law" under the tutelage of a judge or seasoned attorney to prepare for practice. Eventually, law evolved from a vocation to an academic discipline. The result: law graduates can churn out briefs in droves — just don't ask them about procedure.
More from Tipping The Scales: The Top Law Students From The Class Of 2016
As you can imagine, this places law graduates at a disadvantage early in their careers. And Duke Law's Seth Pearson, a former White House intern, believes schools should focus more heavily on practical skills. "I think many law students leave law school with no idea what it means to be a lawyer," Pearson says. "Duke Law has made great strides in creating opportunities for students to practice the skills they learn in the classroom, but the opportunities are optional and can be seen sometimes as a distraction to your education instead of a critical piece of the academic experience. I would like to see professional conduct and practical skills become a pillar of legal education. It would make us all better at what we will be asked to do in practice."
Pearson is just one of the voices from Tipping The Scales' Top Law Students From The Class of 2016 who is calling for law school reform. As part of its survey of this year's "Best & Brightest" 3Ls, Tipping The Scales asked nominees to share how they would change law school. From experiential learning to grading practices and diversity, the 2016 Class didn't hold back.
Unsurprisingly, their complaints start with experiential learning opportunities (or the lack thereof). Hannah Alexander, who plans to specialize in immigrant rights, civil rights, and employment law after graduating from Texas Law, would shift law schools' attention to areas like working with clients and writing briefs over "cramming for one final test at the end of the semester." Similarly, Vanderbilt Law's Lawrence Crane-Moscowitz, a Wharton-trained Goldman Sachs analyst ticketed to commercial litigation, touts clinical education as one way to reduce graduates' learning curve. "I think law school in general needs to put a stronger focus on clinical education," he explains. "Lawyering is much more than just pure doctrinal study. It is learning how to interview clients, how to manage expectations, how to lead projects. Without more focus on these skills, I think young lawyers will be underprepared for entering the workplace."
In fact, graduates like William & Mary Law's Katie Chounet contend that clinical or externship experiences should take place early on, even in the first year of law school. One reason, says USC Law's Madi DiPietro, is that it gives students a leg up during summer internships. More important, adds Minnesota Law's Amber Kraemer, it would help students bring be more immediately valuable to clients when they enter the profession. "The first time that you complete a piece of legal work that you know is benefiting a client is an incredible experience," Kraemer notes. "I have learned more in my 'hands-on' law school experiences than I learned in any single course."
Berkeley Law's Misha Tsukerman would take it a step further. While he lauds the school's service opportunities, he would build in mandatory clinics. On the other hand, Tomer Vandsburger would de-emphasize bar exam prep. In the process, he would implement a two track law school system at the University of Washington to balance abstract legal models with nuts-and-bolts know-how. "The first track would be the traditional coursework, which would focus on deeper, more theoretical understandings of the law. The second would focus on developing practical skills for day-to-day legal practice. I think that by focusing on preparation for the bar, schools take away rigorous instruction and the opportunity for students to explore less traditional legal paths."
More real world learning isn't the only change that the "Best & Brightest" would make to the curriculum. Another would be focusing less on issue-spotting, defined by George Washington Law's Dane Shikman as "identifying legal issues in a hypothetical fact pattern and applying established rules to resolve those issues." While Shikman, winner of the 2015 National Moot Court Competition, values this approach, he'd ramp up critical thinking. "I would enhance the focus on understanding case law and strengthening the skill of analogizing and distinguishing cases. This I think is where litigators can help judges and their clerks most—in parsing through unclear precedent and explaining why some cases apply and others do not. I think it also requires more creativity and imagination than the rote application of law to fact."
Duke Law's Christine Kim would take a different path. Her vision involves students experiencing legal theory and its ramifications side-by-side. Doing so would provide both greater context and recognition of the responsibilities that attorneys carry. "I believe that law school should focus more on what it means to be a lawyer, an officer of the court, and the duties that we have to society and to ensuring that all individuals get equal treatment and opportunity under the law."
More from Tipping The Scales: Top Law Students Share Their Biggest Lessons From Law School
In the same vein, Berkeley Law's Lora Krsulich pines for more contemporary and relevant coursework. The former editor-in-chief of the California Law Review calls on professors to make their courses more contemporary and relevant. "I would like legal teachers to take more liberties with going outside of the casebook and engaging with current litigation or legal issues in the news."
Racheal M. White Hawk would also encourage professors to step outside the standard Western legal systems and expose students to alternative approaches to justice. A Rosebud Sioux tribal member and Arizona State Law graduate, White Hawk offers up the concept of peacekeeping, a traditional form of Navajo dispute resolution, as an example. "It's a very different form of dispute resolution in that the focus is more on healing between parties rather than establishing a winner and loser," White Hawk explains. Typically, attorneys are not allowed in the peacemaking process because their training is too adversarial. Everyone gets a turn to speak and the parties work together to form a resolution.
Law schools have become legendary for brutal workloads and a Darwinian ethos. Everyone has a story about being twisted into knots over Socratic questions during a cold call. Let's not forget those cutthroat classmates who don't share notes and are always looking to one-up their peers. One reason for this nastiness: Grades matter. Often, they're derived from narrow rubrics that don't truly measure performance. To bridge this gap, Boston College's Robert Rossi suggests a more expansive grading system. "My favorite classes in law school and the ones in which I have learned the most have been the ones that base grades on multiple assignments over the course of the semester, rather than on one exam at its end."
Many graduates would like to chuck the law school curve altogether. The curve — where a certain percentage of students are allotted a certain grade — has been the bane of law students for generations. Although Boston College's Andrea Clavijo admits that the curve "terrifies us, but also motivates us," she believes it ultimately creates a toxic by-product that undermines the profession. "If the law school system weren't so built around numbers, I think employers would be forced to place a greater emphasis in personality, work-ethic, and professionalism when interviewing candidates for positions," Clavijo says.
The University of Minnesota's Christopher Ortega seconds Clavijo's sentiments. "Law schools should replace the traditional A-F grades with a pass/fail grading system. This will allow students to focus their attention on learning the law rather than simply fixating on grades. There are many students who can get good grades, but far fewer who possess the qualities necessary to be great lawyers."
Of course, law schools are also notorious for their all-night study sessions and unrelenting pace that turns ambitious first-year do-gooders into cynical third-year burnouts. Hence, USC Law's Tania El-Bayar has a piece of advice for law school professors and administrators: Ease up. "I think there is a belief that you need to run yourself into the ground to excel. While I completely understand that timing can be critical and there is a lot of detailed work involved, I think that the intensity can be too taxing, and it causes the profession to lose talent."
While amending grading and increasing experiential learning are the main reforms on the Class of 2016's wish list, graduates submitted several other recommendations. One is reducing class sizes, which would allow students (particularly fledgling first-years) to receive more personal support.
Another flashpoint is affordability. According to George Washington Law's Julia Haigney, who started out as a part-time evening student working a full-time job, financial stress is a pervasive part of the culture. "First-year students worry about job prospects and third-year students sometimes feel disillusioned if their career search has not gone as expected," she says.
And the pressure is even greater for students entering public service, adds the University of Washington's Manmeet Dhami. This could ricochet back onto low income individuals —the people most in need of legal help."It is difficult to serve as an advocate when you are riddled with law school debt," Dhami observes. One possible solution: Greater commitment to serving the disadvantaged. "If I had a magic wand, I would close the gap that exists between people who need legal services and can't afford them, and law school graduates who need jobs and can't find them," says Northwestern Law's Meghan Claire Hammond. "Fortunately, some good organizations, like the Civic Legal Corps, have already started pursuing this."
Although some activists have proposed a two-year law curriculum to cut debt, George Mason Law's Peter Donohue believes such ploys would be misguided. Instead, he suggests a four-year program. He even admits that it sounds "insane" on the surface. That said, there is a reasonable method behind his so-called madness.
More from Tipping The Scales: Law School Advice To The Class Of 2019
"After three years, I feel like I am leaving school having only touched the tip of the iceberg," Donohue says. "Four years would allow students to dig a little deeper into the wealth of knowledge law school has to offer. In a four-year program, the first year could be focused on learning to write and think like a lawyer. The second could continue academic coursework while adding a focus on extracurricular activities like journals and competitions. The third year could be more practice-oriented, where students would go out into the workforce and really learn an area of law through hands on work while also beginning to pay down loans; this would make students more open to all opportunities after graduation because they would not feel as burdened by law school debt. Finally, the fourth year could be more high level legal academic work, where students could take classes which dig deeper into the theoretical side of the practical work they had done in their third year."
The "Best & Brightest" also yearned for greater diversity — in law school and beyond. "The legal profession does not yet reflect the make up, diversity, and breadth of the community that it serves," admits Vanderbilt Law's Samiyyah Ali. "Regardless of my future career path, I hope to contribute to making the law more accessible to everyone and representative of the differing communities of our society."
This article was originally published on Tipping the Scales.


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Welcome to Nomad Project Solutions
Consultancy, Business Optimisation and Training
We specialise in providing customised Consultancy and have been involved in numerous transformation projects.
We provide 1st class competitive Business Optimisation services geared towards small businesses and charities.
We offer SAP comprehensive Training packages customised to your organisation's structure. Our consultants are highly skilled and qualified to international standards.
How we Work
We first start all our projects with an intensive requirement gathering phase. This process allows to first understand the clients' current business processes and the challenges.
Design & Development
In collaboration with the client we prepare & develop a solution proposal with our recommendations on the best way forward.
Once we have obtained approval and support from senior management the next step would be to deliver the solution. A successful delivery would be measured against our key performance indicators which are scope, budget and impact.
Some Statistics About Us
Continents Where We Have Clients
Projects Completed Successfully
Languages Spoken
By Us
Featured Services
Consultancy and Project Management
Providing either a full time or part time and a on-site or off-site Consultant/Project Manager are one of the options we offer to our clients.
Business Optimisation
Website creation, Marketing services and SEO consulting are some of the tools we provide to our customers.
Knowledge Transfer
We can provide SAP training offsite or onsite.
United Kingdom
Head office
Milton Keynes, UK
Main Office
Jigjiga Yare, Hargeisa


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Is school feeling like a drag lately? You're not alone! With the finish line so close yet feeling so far, we asked fourth-year student, Graphic Design and English major, Madison Thompson on how she avoids senioritis. "I try to do things that make me happy that doesn't involve school like hanging out with my friends. I think it has to do with me being really chill about the school, I mean I maintain my GPA above a 3.0 and don't let school get to me like that because my GPA does not define who I am". A great majority of college students suffer from senioritis. The education world shares that there are a copious number of symptoms that come with senioritis. Such as: Mild to … [Read more...] about What is Senioritis?
Where to Find Parking for Your Lowered Car
Scrape no more, car enthusiasts! Here is a guide and mental map of where you can park your sweet whip without the anxiety of bottoming out. For many of us in California, we use cars as our main mode of transportation. People get attached to their cars, some even giving them names. There are also people who love their cars so much, that they put extra money into them, equipping them with lowered suspension, better exhaust and body kits. In a service to those people who ow n lowered cars, a test car provided by Zestino Online has been used to test out the best and worst points of where to park your car. The test car is an '89 Nissan Skyline drift car. It is set up for track use, but … [Read more...] about Where to Find Parking for Your Lowered Car
Are Parking Permits at CSUSB too expensive?
By Geraldine Carrillo |Staff writer| As I am arriving at the parking lot I consider myself a fisherman, ready to catch the next student heading to his/her car for a parking spot. Circles and circles, I am waiting for that one fish that will generously catch the bait I have been holding in my fishing rod for such a long time now. I'm 15 minutes late to class, frustrated and annoyed I look at my mirror and after 40 minutes of fishing I finally see a fish that is coming my way! At last! When driving in CSUSB parking lots, do you ever ask yourself, why are we as a student body, paying for something so expensive like parking permits when it takes me so long to park? "The cost for … [Read more...] about Are Parking Permits at CSUSB too expensive?
Campus concerns for staff and students
By Michael Isberto |Features Editor| CSUSB's plans for renovation this summer have caught the attention of students and faculty alike. Plans to build a new parking lot, renovation of the Pfau Library, and the expansion of the Santos Manuel Student Union (SMSU) are welcomed by many at CSUSB. With these plans they are also looking for specific additional changes that most consider should be standard. Many students and faculty believe that beautification and superficial changes to the campus are dispensable, but the idea of safety and security is essential. "A university should put the safety and security of its students, staff and faculty, first," … [Read more...] about Campus concerns for staff and students
This school is crowded.
By Danielle Brooks |Staff Writer| Every school year, the student population on campus grows and unfortunately, this trend will affect students in the future. This being my fourth year at CSUSB, I have noticed that the population on campus seems to be flourishing. "I've been on campus for a few years now, but I've noticed that it seems to be especially crowded this year," said student Kimber Veca. "I used to get 'princess parking' for my 8 A.M. classes before this year, but now there's significantly more students taking early morning classes," added Veca. Not only is parking scarce and class enrollment difficult, but students have also claimed that the Starbucks line has … [Read more...] about This school is crowded.
Pointers for student budgeting
By Mark Mascetti |Staff Writer| Students often struggle financially with the extra financial burden of books, food, parking permits and gasoline. Students at four-year public universities spend on average $1,200 per year on textbooks, according to collegeboard.org. However, there are small steps students can take to save money. I would recommend switching to online and e-book edition textbooks as they are becoming more popular and cheaper in comparison to the traditional versions. "I like Kindle books because they are a lot more affordable and you can rent them for only a few months at a time and that's all you have to pay for," said Sondra Riehart, a CSUSB public … [Read more...] about Pointers for student budgeting
You know you go to CSUSB when…
By Adrian Carlos |Staff Writer| Endless Starbucks line, building frustration from waiting for a parking spot that seems will never appear and waking up frantically in the Student Union after over-sleeping. These are just a few of the things that unite us as students and characterize CSUSB pride. What makes CSUSB students different from students from other universities? I asked students around campus to give me their opinion on what embodies the students here. You know you're a CSUSB student when... "You see the sun come and go down on the same day from the library," said Ivanna Carlos. "When your favorite color and all your clothes are now blue," said Quinn … [Read more...] about You know you go to CSUSB when…
I-215 finally complete after seven years of construction
By Santiago Castillo |Staff Writer| After seven years of construction, Interstate 215 is finally finished. The project cost $647 million, funded through a combination of half-cent sales tax, state bond money and $128 million in federal stimulus dollars, according to The Press-Enterprise. The widened Interstate 215 affects CSUSB because it makes it easier and faster to travel, but the effect it will have economically depends on the economic growth of the community. "It's also expected to bring a boost to the bankrupt city of San Bernardino, which hopes the improvements will attract more business to the area," added The Press-Enterprise. "The level of the positive impact may directly … [Read more...] about I-215 finally complete after seven years of construction
Buying parking passes online is an inconvience
By Ryan Libby |Staff Writer| Parking Services should change their name to Parking Inconveniences. Other than the run of the mill issues we all have with parking, the implementation of buying parking passes strictly online ends up being more of an inconvenience than a service. I went in to their office to discover why this new policy was put in place, but even after two separate visits and questioning, I couldn't get a clear answer. When asked about his experience with Parking Services, student Mario Orellana said, "They need to step up their game. They have one job, hand out parking passes." Though their workers are nicer than the ones at the DMV, hardly any student is happy … [Read more...] about Buying parking passes online is an inconvience
Off campus more beneficial than you think
By Brenda Servin |Staff Writer| CSUSB students shouldn't feel limited to the food options on campus when there are many other places to eat nearby. For students who have the option, going off campus for lunch is a nice breather from the stress of school. Davon Meyers said, "I like going outside more than staying on campus eating, it's more relaxing." If you've got the time, eating off campus will save you money too. Say you're in the mood to have a sub, most of the foot-longs at Subversions here on campus cost $7.59. Subway offers the same quality sandwiches for as low as $5. Another advantage of Subway is that you get more variety; they offer more toppings, types of … [Read more...] about Off campus more beneficial than you think


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The Watering Hole
The last couple of nights in Namibia I spent at the Okuakuejo Camp, inside of Etosha National Park. I stayed in one of their waterhole rooms, which basically meant this is the view I got if I walked about 20' from my door.
If you look closer on the right hand side, you can see a couple of zebras. I shot this quickly before getting some dinner, and when I came back I saw a black rhinoceros getting a drink. No photo of that unfortunately, but I will eventually post some photos of some of the amazing animals I saw.
Zebras getting a drink at a waterhole.
Baron Reznik


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Terms and Conditions on Returns
Thanks for shopping Heather Ljønes Jewelry! If you are not 100% satisfied with your purchase, you can return the product for store credit and exchange for another item.
To be eligible for a return & to receive your store credit you must initiate your return no later than 35 days from the date you purchased it. To initiate your return please email firstname.lastname@example.com and request shipping return address.
Any product you return must be in the same condition you received it and in the original packaging. Once your return is received we will inspect it carefully and notify you immediately if your return has been accepted.
You will be responsible for your own return shipping.
If you have any questions at all please contact us at email@example.com
Enjoy your modern jewels designed & handmade with love in New York City!


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It's been a very busy few months for us since the new year here at Snap, and a large amount of that time has been taken up by Adam French recording his debut album.
It's often rare these days to have an artist develop their ideas and create an album from start to finish in the studio - and the results speak for themselves.
It's very gratifying to know that a good record has been completed entirely in your studio, so we're excited for this one, and are looking forward to hearing these tracks being played on the radio in the near future!


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Miniaturized Nuclear Power Plant? U.S. Reviewing Proposed Design
Nuclear power plants are typically hulking structures made using billions of dollars of concrete and steel. But one company thinks that by going smaller, they could actually make nuclear power more affordable.
NuScale Power based in Portland, Ore., has submitted a design for what it describes as a "modular" nuclear power plant. Each module is a self-contained 50-megawatt nuclear reactor loaded with standard uranium reactor fuel. Modules would be assembled at a factory-like facility and then delivered to power utilities and other clients.
"Miniature" in nuclear terms is still pretty big. The modules are small enough to fit on flat-bed trucks, but they would stand nearly nine stories tall. Moreover, a power plant would probably require several modules hooked together like giant batteries. Of course, they'd need to be operated by professional nuclear engineers.
Uranium stocks have sprang to life recently - is the bottom behind us?
If you would like to know which stocks we are buying and selling please join us at 'Stock Trader' our premium investment service.
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Break out the cake and candles: Loan Stars has just turned one! To celebrate, we've compiled some stats and facts from the first year and we're giving you a chance to win a pizza party for your library branch in a new contest!
Loan Stars, the readers' advisory service that allows library staff across Canada to collaboratively select their favourite forthcoming adult titles, has had a fantastic first year! (If you work in a Canadian library and want to know more about how to participate in Loan Stars, go to the end of this post for more details.)
Over the last 12 months, library staff chose their favourite 120 books – 10 books each month. As it turns out, Loan Stars voters love fiction by an impressive margin!
What kind of fiction has made it on to the top 10 lists the most, you ask? We're glad you did, because we put together this pretty illustration. One-third of the Loan Stars fiction picks were literary fiction. Library staff seem to love books about the human condition.
Library staff also love Canadian books: 30% of all Loan Stars top picks so far have been Canadian-authored! And it's no surprise that library staff know good books; they saw the quality even before award juries did. Are library staff the OG hipsters? They did like it before it was cool.
We would like to say thank you to all the library staff who have participated in Loan Stars this past year.
But we didn't want to just say the words, we wanted to do something, too. So we decided to give away a pizza party for your library branch, courtesy of Panago Pizza. To enter, all you have to do is send us a picture of a Loan Stars Top Pick in the wild.
Get your whole branch involved! Tag us in your photos on Twitter (@LoanStarsCA) and Facebook (/LoanStars), or email them to us if you're not on social media. One entry per picture, up to a limit of 10 entries.
Be sure to send us your pictures before midnight EST on Monday, April 17, because that's when the contest closes. We'll choose one lucky winner to be the pizza party hero of their library branch. Good luck, we hope it's you!
And, here for all your sharing needs, is the full Loan Stars Turns One infographic:
Just what is Loan Stars?
Loan Stars is the new readers' advisory service that allows library staff across Canada to collaboratively select their favourite forthcoming titles. Using CataList, the online catalogue tool available free to libraries, library staff can nominate their favourite adult fiction and non-fiction titles, the most popular of which will be promoted to readers through the Loan Stars website, social media and email marketing, media partners, and digital and physical promotion in libraries across the country.
I work in a library. How do I get involved?
It's easy and free! You can go to the Loan Stars website for all of the details, but, in a nutshell, there are five easy steps:
- Sign up for CataList.
- Log into CataList to find new titles and request digital galleys.
- Start reading.
- Vote for your favourites. You can even leave a review or link to one you've written on the web.
- Repeat – You can vote more than once!
How do I get advanced reading copies?
We encourage you to sign up for NetGalley to get digital copies of forthcoming titles. You will find links throughout CataList to all titles that are available in NetGalley. For many of the publishers on CataList, you can also make a direct request to the publisher for a forthcoming title. Start by selecting the "Read Me" button next to a title, which will allow you to either request a copy via NetGalley (if available) or make a direct request to the publisher.


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WPi Designer Button Shortcode plugin is used to create beautiful buttons & Call to Action (CTA) Buttons. It has small designer studio where you can design or style elements using simple user interface. this plugin conists of below features.
1. Creating beautiful buttons.
2. Creating call-to-action buttons.
3. Creating reusable styles for buttons & CTA buttons.
- Icons Collection.
- Styles collection which are professionally designed.
- Color Themes collection.
- Google Fonts collection.
- Given more importance to UI & UX in this plugin.
- Dynamic Help section for Plugin's guide and getting any support.
Creating Buttons::
- You can apply styles to button from Styles collection or your own created styles.
- You can add any Icon from the Icons collection.
- You can add link url to the button and also set new tab or new window for link.
- Once you create the button, you can use created button unlimited times and its easy to use anywhere in the wordpress using simple shortcode.
- Shortcode looks like [wpi_designer_button id=256]
- You can use the shortcode even without creating the button or style.
- User can also generate shortcode directly inside wordpress visual editor( TinyMCE).
- Please read plugin's documentation before creating any style or button. Its a best practice to read documentation first.
- Note:: In next version we will add more icons in icons collection.
Creating Styles::
- You can create unlimited number of reusable styles for buttons.
- You can change the button's font from the fonts collection.
- You can change the button's Color.
- You can change the button's font-weight.
- You can change the space around the text inside button.
- You can add the shadow to the text inside button.
- You can add the shadow to the button.
- You can change the button shape like rectangle, little rounded rectangle, full rounded rectangle or circular(without button text).
- You can add the glow to the button with any color and from small size to big size glow.
- You can set the button icon from the Icons collection.
- You can set the button border with any color, any thickness and style like normal, dotted, double etc.
- You can set the texture from the texture collection.
- If you dont know the color codes then you can use colors from our color pallete with so many predefined colors.
- this plugin also consists of beauticul color themes collection for buttons.
- In next version of this plugin we will add more items in all collections like fonts, icons, preset styles etc.
Creating Call-To-Action (CTA) Buttons::
- Every call-to-action button contains Heading, Sub-heading, Button & Footer Text.
- You can create beautiful & awesome CTA buttons with small effort.
- You can select from professionally designed CTA buttons Styles from Styles collection.
- You can change the heading text font.
- You can change the heading text size.
- You can change the heading text color.
- You can change the heading text border.
- You can change the heading text border color.
- You can change the heading text background color.
- You can change the heading text top & bottom margin.
- You can change the heading text padding.
- Above setting can be done on sub heading also with limited settings.
- We will update and add more styles to styles collection regularly.
- You can check latest Styles and its settings in plugin's website.
- In next version we will add Export & Import Styles settings. which is good feature to extend this plugin's power.
- You can also add multiple headings with ticker animation.
Note:: WE ARE DOING OUR BEST TO MAKE THIS PLUGIN PERFECT. If you face any problem in using this plugin or you need some more features or any support please don't hesitate to contact us. You can contact us from here.
Shortcode Samples::
[wpi_designer_button id=201]
[wpi_designer_button style_id=215 text="Products" link="/products/"]


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What Happened! Parineeti Chopra Injured Her Foot While Rehearsing With Varun Dhawan :- We already know Parineeti Chopra along with Varun Dhawan, Katrina Kaif, Alia Bhatt, Sidharth Malhotra and several other actors are ready to take off to America for the Dream Team Tour 2016. The stars are going to present their live performance across 5 cities in the USA and for the showdown time, the actors are really working hard and practicing day and night.
Meanwhile, Varun and Parineeti are ready to set the silver screen on fire, in which they danced for Dishoom's song Jaaneman Aah. The two was doing their rehearsals Fiercely for the verse and they were said to perform on a fast dance number for the dream tour. While rehearsing for the dance act the beautiful actress injured her leg. And Varun took to Twitter to share this with fans, "#dreamteam rehearsals on. Working hard with the hardest worker @ParineetiChopra. Who hurt her foot but will recover."
#dreamteam rehearsals on working hard with the hardest worker @ParineetiChopra. Whose hurt her foot but will recover pic.twitter.com/TVdSxnV3VP
— Varun dhawan (@Varun_dvn) August 8, 2016
Now the actress is taking rest and cheering up Varun as he rehearsed. However, fortunately, the reports said she will be well within a day or two as it was not a major injury. In the meantime, the speculations are also at the rife that Varun is recreating the dance moves of Salman Bhai.
The Dream Team Tour concept has been presented by Karan Johar and which will take a kick start on August 12. We wish for Parineeti for her recovery and powerful dhamakedar performance in the Dream Team Tour. We are super thrilled with the concept as well as the presenters of the show. What about you guys? share with us in the comment section below and stay tuned with us.


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Congratulations to our newest alumni, the Class of 2017!!
Friday was a beautiful, sunny day - perfect for our traditional graduation in the Lincoln High bowl. We are proud of our graduates and wish them all the best in their future journeys. You will ALWAYS be welcome back at Lincoln - come back and visit your teachers and share your life experiences with future classes of students.
See graduation photos by Lincoln's yearbook staff and the Herald Times Reporter.
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Manitowoc Nation published this page in News 2017-06-12 10:59:58 -0500


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Commonwealth Bank Launches Family Equity – a helping hand for first timers
29 March 2004
In a bid to ease the pressure on first home buyers, the Commonwealth Bank has today launched an innovative range of financing options called Family Equity that will allow family members to help them buy their first home.
The Family Equity arrangement provides five affordable financing options that range from the family member acting as guarantor providing security towards a loan, to providing assistance with mortgage repayments (an option unique to the Commonwealth Bank), or a combination of these.
Recent Commonwealth Bank/Newspoll research has shown that one in two first home buyers would be comfortable with their parents helping them buy their first home, with 40% saying that the best way their parents could help would be by assisting with the deposit.
The same research shows, on average, first home buyers believe that buying their first home is about five years away, but with their family's support this could become achievable in about three years.
According to Commonwealth Bank's Group Executive Retail Banking, Hugh Harley, Family Equity will give more first home buyers the opportunity to enter the property market. It also helps meet a desire of Australians to see their families in a secure financial position, a desire clearly defined in the survey results.
"In reality, most parents really want to help their children on the road to achieving home ownership but are not sure how to go about it. Family Equity encompasses a range of financing options whereby parents can give their children financial assistance," he said.
"The Commonwealth Bank is opening the doors for first home buyers with family members who would like to help them in covering their monthly repayments or by providing additional security to obtain the loan they require."
With the increase in wealth through home ownership estimated to be over $1,000 billion in the five years to 2002, as the largest home loan provider, the Commonwealth Bank recognises the importance of putting home ownership in the reach of today's generation.
Mr Harley said the Commonwealth Bank also recognised that structuring a contract to reflect the help being given would be an important ingredient to achieving the right outcomes for families.
"This might entail a series of regular repayments or sharing capital that can help ensure that funds are returned to assist other members. In a unique development the Bank has designed a set of Draft Forms of Agreement to help families work out what might be best for them. These must be formalised by an independent legal representative," he said.
Survey Support and new Stamp Duty payment aid
The major reasons given by first home buyers regarding why they haven't yet bought a home include not having saved enough for the deposit (60%), not being able to afford the mortgage repayments (53%), and not being able to afford the additional costs like stamp duty (50%).
To help combat this problem, the Commonwealth Bank is introducing a new arrangement on the payment of the Transfer Stamp Duty. Eligible borrowers can now increase their home / investment home loan to cover this cost and the Bank will release these funds prior to settlement.
Commonwealth Bank's Family Equity financing options
How does it work?
Who is it suitable for?
What does it mean?
Financing option 1:
Guarantor providing servicing support
Family member is guarantor on the loan and is required to help make loan repayments.
Borrowers who are unable to service the loan
(i.e. make the full repayments each month)
Family member is guaranteeing to help make loan repayments. The guarantee is for the total amount of the loan.
Financing option 2:
Second mortgage
Family member takes out a second mortgage on the property being purchased.
Borrowers who cannot repay the loan based on their current income and commitments.
Family member gives borrower money to put towards the property purchase and is responsible for the amount of their individual loan.
Financing option 3:
Guarantor providing security support
Family member goes guarantor on the loan, using his or her own property as security.
Borrowers who do not have enough security for their loan because the value of the property being purchased is less than the amount of money they need.
Family member is guaranteeing the total amount of the loan.
Financing option 4:
Gift of loan proceeds
Family member takes out a mortgage on their own property and gives borrower the money.
Borrowers wanting to reduce the amount of their loan.
Family member is responsible for their individual loan.
Financing option 5:
Guarantor providing security and servicing support
Family member provides their property as security and is required to help the borrower make loan repayments.
When the value of the property being purchased is less than the amount of money needed to borrow (i.e. borrower does not have enough security for the loan) and borrower cannot make full repayments on the loan each month.
Family member is guaranteeing to provide security and is guaranteeing to help make loan repayments. The guarantee is for the total amount of the loan.
To apply for a Family Equity financing option, drop into any branch of the Commonwealth Bank and speak to a personal lender, arrange for a Mobile Banker to visit you at home or log onto www.commbank.com.au. Applications are subject to the Bank's normal credit approval. Full terms and conditions will be included in our loan offer. Fees and charges are payable.