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Thora Hird
From Wikipedia, the free encyclopedia
Dame Thora Hird, DBE (28 May 1911 – 15 March 2003) was an English actress and comedian of stage and screen, presenter and writer. In a career spanning over 70 years, she appeared in more than 100 film and television roles, becoming a household name and a British institution. A three-time winner of the BAFTA TV Award for Best Actress, she won for Talking Heads: A Cream Cracker Under the Settee (1988), Talking Heads: Waiting for the Telegram (1998) and Lost for Words (1999). Her film credits included The Love Match (1955), The Entertainer (1960), A Kind of Loving (1962) and The Nightcomers (1971).
As: Annie Longden
Deric Longden and his wife, Aileen, come to terms with the fact that his mother, Annie, is getting too old to live on her own. Annie suffers her first stroke and a nursing home is the obvious solution, but which one and where?
Runtime: 76 min.
Directed by: Alan J.W. Bell
Stars: Pete Postlethwaite | Thora Hird | Anne Reid | Penny Downie | Keith Clifford
As: Julie's grandmother
Julie and The Cadillacs, a struggling young pop group, are enticed to London and signed up by London PR men...
Runtime: 102 min.
Directed by: Bryan Izzard
Stars: Toyah Willcox | Victor Spinetti | Peter Polycarpou | Ben Richards | Tina Hall
Unexpected events occur over a long weekend when Pat, a glamorous British born star of American soaps, returns home to plug her auto biography on television and meets, for the first time since they were teenagers, Margaret her plain, fat and frumpy younger sister. The meeting is painful for both sisters highlighting the vast differences in their lives and resurrecting painful memories ...
Runtime: 84 min.
Directed by: Gavin Millar
Stars: Celia Imrie | Julie Walters | Thora Hird | Victoria Wood | Duncan Preston
As: Mrs. Gordon
Adapted from a play written by two Monty Python vets, this toothy satire launches with a tragic accident at Chumley's chocolate factory when hapless manager Ian Littleton (Tyler Butterworth) accidentally knocks several employees into a huge chocolate vat. The tragic mishap at the chocolate factory results in candy lovers getting an unexpected 'extra' in their sweets.
Runtime: 98 min.
Directed by: Giles Foster
Stars: Vanessa Redgrave | Jonathan Pryce | Freddie Jones | Sammi Davis | Tyler Butterworth
As: Mrs Beevers
Lee, a Chinese man, works as a waiter in a hotel in England, despite speaking very little English. Told that a girl called Iris might be interested in him, on his afternoon off work he buys a box of chocolates and sets off to find her.
Runtime: 63 min.
Directed by: Stephen Frears
Stars: Benjamin Whitrow | Philip Jackson | Angela Morant | Henry Man | Pasquale Perrino
As: Doris
A stolid British family from Bishops Stortford are adventurous and book a holiday in a villa in Morocco, where things befall them.
Runtime: 75 min.
Directed by: Herbert Wise
Stars: Stefan Kalipha | George A. Cooper | Thora Hird | Ann Beach | Steve Hodson
As: Mrs. Grose
Prequel to the Henry James classic "Turn of the Screw" about the events leading up to the deaths of Peter Quint and Ms. Jessel, and the the slow corruption of the children in their care.
Runtime: 96 min.
Directed by: Michael Winner
Stars: Marlon Brando | Harry Andrews | Stephanie Beacham | Thora Hird | Verna Harvey
As: Agnes Russell
Four people go to great lengths to obtain the fortune left in a will by a very wealthy practical joker.
Runtime: 87 min.
Directed by: Duncan Wood
Stars: Leslie Phillips | Michael Hordern | Thora Hird | Barbara Murray | Ronnie Corbett
As: Mrs. Winthram
Percy Winthram is a naive young man who still lives at home with his mum. In London for the Cup Final with his friends, he finds himself in a Soho strip club, where he meets blonde hostess Cyrenne. Accepting a bet from friend Ginger, he accompanies Cyrenne back to her flat, and a boast-worthy night of lust seems to be on the cards; however, drained of beer and bravado, Percy's innocence and vulnerability ...
Runtime: 96 min.
Directed by: Muriel Box
Stars: Michael Medwin | Harry H. Corbett | Diane Cilento | Thora Hird | Brian Wilde
As: Mrs. Jessup
A pretty young woman will do anything to escape her deadly dull existence in the backlots of Wales. But when she reaches the bright lights of London is the price too high?
Runtime: 96 min.
Directed by: Peter Graham Scott
Stars: John Stride | Alan Badel | Thora Hird | Vanda Godsell | Janet Munro
As: Mrs. Taylor
Weir, an alcoholic schoolteacher, whose criminal record for refusing to fight during the Second World War has prevented him from progressing further in his teaching career, is looked upon with disdain by his headmaster, his pupils and even his wife. The one person who appreciates his shyness and warmth is one of his pupils, Shirley Taylor. After Weir offers to give her free private tuition, the pupil ...
Runtime: 130 min.
Directed by: Peter Glenville
Stars: Terence Stamp | Simone Signoret | Hugh Griffith | Laurence Olivier | Sarah Miles
As: Mrs. Rothwell
After his girlfriend's pregnancy forces him to marry her, a young man must adjust to his new life and contend with his domineering mother-in-law.
Runtime: 113 min.
Directed by: John Schlesinger
Stars: Alan Bates | Thora Hird | Bert Palmer | June Ritchie | Malcolm Patton
As: Mrs. Ada Lapford
Archie Rice, an old-time British vaudeville performer sinking into final defeat, schemes to stay in show business.
Runtime: 96 min.
Directed by: Tony Richardson
Stars: Joan Plowright | Alan Bates | Laurence Olivier | Roger Livesey | Brenda De Banzie
As: Mrs. Galloway
The sequel to 'Up The Creek' sees David Tomlinson return as bumbling navy boffin Lieutenant Humphrey Fairweather. This time he is skipper of the ship Aristotle and, together with his second-in-command (Frankie Howerd), Fairweather wreaks havoc when he is ordered to deliver the Aristotle to its new owners in a mythical Middle-Eastern country.
Runtime: 91 min.
Directed by: Val Guest
Stars: Lionel Jeffries | Thora Hird | David Tomlinson | Frankie Howerd | Shirley Eaton
As: Mrs Larkin
A Liverpool gang member wins a singing contest is then called up for National Service where he clashes with another soldier.
Runtime: 107 min.
Directed by: Herbert Wilcox
Stars: George Baker | Katherine Kath | Carole Lesley | Jocelyn Lane | Frankie Vaughan
As: Mrs Oakroyd
The story revolves around the Dinky Doos, a provincial musical troupe living from hand to mouth.
Runtime: 104 min.
Directed by: J. Lee Thompson
Stars: Hugh Griffith | Celia Johnson | Janette Scott | Eric Portman | John Fraser
As: Margie Groves
When George discovers that he has won the pools, there is huge excitement in the household. But it turns out that it's his son who has won, in partnership with the son of a woman against whom George has some ill feelings.
Runtime: 80 min.
Directed by: Vernon Sewell
Stars: Charles Victor | Thora Hird | Lana Morris | Jack Warner | Kathleen Harrison
As: 'Granny' Ramsey
Seeking the whereabouts of international gangster Nick Randall, the US State Department contacts Scotland Yard, as his girlfriend, Angela Booth, is currently in a British prison. Angela has refused to give Nick up to the law, so the combined authorities arrange for Angela to escape, aided by stoolie Gran' Ramsey who is at the same prison. The police will then follow Angela to Nick. Gran' ...
Runtime: 71 min.
Directed by: Elmo Williams | Herbert Glazer
Stars: Jim Davis | Richard Travis | Thora Hird | Beverly Michaels | April Olrich
As: Kelly's landlady
An 18 month old baby dissapears in London. Detective Inspector Craig tries to find the child but there aren't many clues.
Runtime: 89 min.
Directed by: Guy Green
Stars: Thora Hird | Anthony Oliver | David Farrar | Julia Arnall | David Knight
As: Mrs Lack
Battle-axe Emma Hornett dominates her hen-pecked husband Henry, his meek sister Edie and daughter Shirley. Shirley is to marry young sailor Albert,raised in an orphanage,and he and best man Carnoustie stay with the Hornetts on the eve of the wedding, though Emma makes sure the stag night is a brief one. Next day Albert fails to show up for the wedding. He eventually turns up at the house and confides ...
Runtime: 81 min.
Directed by: Gordon Parry
Stars: Esma Cannon | Cyril Smith | Peggy Mount | Shirley Eaton | Ronald Lewis
As: Jessie
Bickering married performers (Peter Finch and Kay Kendall) agree to star in a "Mr. and Mrs." TV show. Director Muriel Box's 1956 British comedy also stars Muriel Pavlow, Ian Carmichael, Maurice Denham and Richard Wattis.
Runtime: 87 min.
Directed by: Muriel Box
Stars: Maurice Denham | Peter Finch | Kay Kendall | Hubert Gregg | Muriel Pavlow
As: Mary
On the first night of his London assignment, newsagency reporter John Desmonmd becomes heavily involved with enigmatic Anna Ray. The affair ends when she is shot struggling for a gun she has pulled on him. This is only the start of his troubles, as Anna worked for a criminal organisation who know Desmond has now got her valuable contacts list.
Runtime: 80 min.
Directed by: John Gilling
Stars: Thora Hird | Constance Smith | Cyril Chamberlain | Larry Parks | Lisa Daniely
As: Rosemary 'Rosie' Elizabeth Wrigley
Professor Bernard Quatermass is in charge of a rocket mission that has gone awry. They lose contact with the spaceship and have no idea how far into space it may have traveled. When the rocket crash lands they find that only one of the three occupants, Victor Carroon, is on board; the others have simply vanished. Slowly, the surviving astronaut begins to transform into a deadly creature.
Runtime: 82 min.
Directed by: Val Guest
Stars: Brian Donlevy | Margia Dean | Jack Warner | Richard Wordsworth | David King-Wood
As: Sal Brown
After being arrested for assaulting a football referee, desperate train driver Bill (Arthur Askey) raids the railwaymen's holiday fund to cover his £55 fine. He knows he's going to be discovered though, leaving him no choice but to get the money back by hook or by crook! His last chance is to run a book on the United v City football derby. If that wasn't tense enough, Bill's son is also making his debut ...
Runtime: 85 min.
Directed by: David Paltenghi
Stars: Thora Hird | James Kenney | Arthur Askey | Shirley Eaton | Glenn Melvyn
As: Gran' Rafferty
In love with a man who wants to marry her after he returns from a trip to sea, chorus girl Angela Booth tries to quit her seamy job and become a model citizen. When her employer refuses to dissolve her contract, though, they quarrel and she accidentally hits him. He presses charges, claiming she hit him deliberately, and she is convicted and sent to prison. As her fiance is at sea and out of ...
Runtime: 71 min.
Directed by: Elmo Williams
Stars: Thora Hird | Beverly Michaels | Betty Cooper | Avril Angers | Joan Rice
As: Cook
Norman is the oldest orphan at Greenwood Children's Home and now acts as their caretaker. All the orphans are very happy and well cared for. The adventures start when a nasty property developer (boo hiss) who is also the chairman of the orphanage board wants to close the orphanage and build a factory on the site. The children are sent to Brighton for the day and Norman is very excited because he's "Never ...
Runtime: 90 min.
Directed by: John Paddy Carstairs
Stars: Norman Wisdom | Thora Hird | William Russell | Joan Rice | Shirley Abicair
As: Mrs. Doyle
In postwar London a young graduate and his girlfriend decide to marry. Her well-to-do parents are not convinced, but they agree once he has got a £5.10.0 job and a 30/- a week single-room flat. The newly-weds find money fearfully tight, the flat cramped, the neighbours a trial, and her parents always hovering. Can faith conquer all? Is there some way of getting rid of tea-leaves except down the sink?
Runtime: 85 min.
Directed by: J. Lee Thompson
Stars: Dirk Bogarde | Eileen Herlie | Cecil Parker | Athene Seyler | Susan Stephen
As: Mrs. Trott
Based on The Hand and the Flower, a novel by Jerrard Tickell, A Day to Remember stars Stanley Holloway as Charley Porter, captain of London darts team. When the team travels to the French town of Boulogne for the annual darts tournament, a good time is had by all--and more besides. Jim Carver one of the team's members, is reunited with a little French girl he'd befriended during the ...
Runtime: 92 min.
Directed by: Ralph Thomas
Stars: Donald Sinden | Odile Versois | James Hayter | Stanley Holloway | Joan Rice
As: Mrs. Humphries
Two years of deterioration sees John and Barbara Lomax's marriage reduced to bitter sniping and "keeping up appearances" for the sake of the children. When John's old friend Bill professes his love for Barbara, the marriage finally breaks up – causing their three children to react in different ways and their son secretly determined to do Bill harm.
Runtime: 80 min.
Directed by: Daniel Birt
Stars: Norman Wooland | Janette Scott | Valerie Hobson | Philip Friend | Mandy Miller
As: Mrs. Usher
A British girl (Glynis Johns) disappears for three days after a frank talk with the wife (Gene Tierney) of a Latin teacher (Leo Genn) she loves.
Runtime: 82 min.
Directed by: Anthony Pelissier
Stars: Glynis Johns | Leo Genn | Gene Tierney | Walter Fitzgerald | Pamela Brown
As: Mrs. Rowan, landlady
A bitter burglar (Yvonne Mitchell), a prostitute (Joan Collins) and an elderly shoplifter spend their first day out of jail.
Runtime: 81 min.
Directed by: Jack Lee
Stars: Joan Collins | Terence Morgan | Thora Hird | Kathleen Harrison | Yvonne Mitchell
As: Mrs. Perkins
London policewomen (Anne Crawford, Rosamund John) handle rescues and larceny as they go about their work in Chelsea.
Runtime: 94 min.
Directed by: Muriel Box
Stars: Terence Morgan | Peggy Cummins | Anne Crawford | Barbara Murray | Rosamund John
As: Mrs Pewsey
1953 British noir thriller, starring John Mills. An innocent man is released from prison after 12 years and tracks down the witnesses who lied about him in court. Based on a 1951 novel by Howard Clewes.
Runtime: 96 min.
Directed by: Robert Hamer
Stars: John Mills | Elizabeth Sellars | Geoffrey Keen | John McCallum | Eva Bergh
As: Miss Rawlings
The wealthy chairman of First Division Football Club, Burnville United, makes an unethical approach to a star player of another club, and the ensuing scandal costs him his job.
Runtime: 80 min.
Directed by: Maurice Elvey
Stars: Diana Dors | John Laurie | James Hayter | Thora Hird
As: Hotel Maid
An ex-GI wakes up with blood on his clothes in a strange hotel room. He can't remember the night before but later finds out that a man he got into a fight with earlier in the night was later murdered.
Runtime: 67 min.
Directed by: David MacDonald
Stars: Mark Stevens | Garry Marsh | John Bentley | Cyril Smith | Jean Kent
As: Alice Crouch
Because of its high productivity and "almost" 100 per cent employment, the town of Hayhoe, England is expecting a visit from the Prime Minister. The "almost" is because of Dan Dance (Eddie Byrne), an old rogue who would rather drink and philosophize than work. The Village Council are determined to have a perfect record so they connive to have the old man put into the alms-house which has been ...
Runtime: 79 min.
Directed by: Lewis Gilbert
Stars: Hermione Baddeley | Jane Barrett | Robert Brown | Eddie Byrne | Sid James
As: Mrs. Cornelius
A 5 year old child is diagnosed with leukemia and has only days to live. Her only hope is a blood transfusion, but her blood type is extremely rare, so the race is on to find the donors.
Runtime: 84 min.
Directed by: Lewis Gilbert
Stars: Earl Cameron | Anthony Steel | Joy Shelton | Jack Warner | Sid James
As: Doctor's Housekeeper
Now old, ill, poor, and largely forgotten, William Freise-Greene was once very different. As young and handsome William Green he changed his name to include his first wife's so that it sounded more impressive for the photographic portrait work he was so good at. But he was also an inventor and his search for a way to project moving pictures became an obsession that ultimately changed the life ...
Runtime: 118 min.
Directed by: John Boulting
Stars: Richard Attenborough | Maria Schell | Robert Beatty | Margaret Johnston | Robert Donat
As: Nanny's friend
A classic Ealing comedy in which a young boy steals a magnet and becomes a hero.
Runtime: 79 min.
Directed by: Charles Frend
Stars: James Fox | Kay Walsh | Meredith Edwards | Gladys Henson | Stephen Murray
As: Mrs. James
Impoverished British bank clerk John Ross is hopelessly in love with drop-dead gorgeous Irene James. Ross will do anything to win Irene's affections - including embezzlement. She ends up marrying him, but she can't give up her true love, slimy counterfeiter Jimmy Smart...
Runtime: 78 min.
Directed by: Lewis Gilbert
Stars: Jack Watling | Pat Kirkwood | Joy Shelton | Sydney Tafler | Thora Hird
As: Mrs. Dorbell
Sergeant Jack Hardacre returns from the war to his contemptible fiancée Janey Jenkins intending to reconcile with her against all odds. But he falls in love with a charming new lodger Milly Southern instead.
Runtime: 98 min.
Directed by: Robert Donat | Alexander Shaw
Stars: Charles Victor | Thora Hird | Renée Asherson | Marjorie Rhodes | Robert Donat
As: Rosa
A blind Englishwoman weds a French nobleman and moves into his family's chateau, but she quickly realizes someone there wants her out of the way.
Runtime: 75 min.
Directed by: Charles Bennett
Stars: Kathleen Byron | Thora Hird | Maxwell Reed | Margaret Lockwood | Paul Dupuis
As: Mrs. Knowles
Jackie lives in poverty with his widowed mother. In a bid to escape poverty he gets involved in a robbery that sees him sentenced to three years in Borstal where he meets a tough crowd, tougher than anything on the outside. The powerhouse performances of Bogarde, Attenborough and Warner make this a film for the ages.
Runtime: 85 min.
Directed by: Montgomery Tully
Stars: Richard Attenborough | Dirk Bogarde | Jimmy Hanley | Jack Warner | Barbara Murray
As: Broaders
A newlywed suspects her husband of being a Communist spy.
Runtime: 87 min.
Directed by: Victor Saville
Stars: Honor Blackman | Elizabeth Taylor | Robert Flemyng | Robert Taylor | Harold Warrender
As: Janet
Penniless man-about-town Michael Gore-Brown is delighted to hear he has been left a high-class Mayfair fashion salon. His intention is to sell it as quickly as possible, but on meeting Ellen, chief designer and manager, he quickly changes his mind and turns his attention to courting her.
Runtime: 94 min.
Directed by: Herbert Wilcox
Stars: Peter Graves | Anna Neagle | Thora Hird | Michael Wilding | Tom Walls
As: Mrs. Bates
The lives of the members of a West Yorkshire cycling club are complicated by romantic entanglements and a series of bike thefts.
Runtime: 92 min.
Directed by: Ralph Smart
Stars: Honor Blackman | Diana Dors | Maurice Denham | John McCallum | Patrick Holt
As: Ma Fox
Starring Dirk Bogarde, Bonar Colleano, Thora Hird, Sid James and Bill Owen, this British gem was nominated for a BAFTA in 1949. Bogarde, in only his second film, plays the role of Bill Fox, a bored factory worker who becomes a famous speedway star. He meets a glamorous society woman who introduces him to a new and exciting social circle and Bill quickly forgets his working class roots. Bill ...
Runtime: 100 min.
Directed by: Jack Lee
Stars: Dirk Bogarde | Bill Owen | Bonar Colleano | Renée Asherson | Sid James
As: Mrs. Coot
Howes plays Pamela Dickson, an impulsive young bride-to-be, while Guy Rolfe portrays her long-lost father Paul. Ostensibly a cad and bounder, Paul turns out to be just the opposite when he arrives for Pamela's wedding.
Runtime: 82 min.
Directed by: John Paddy Carstairs
Stars: Guy Rolfe | Nora Swinburne | Raymond Lovell | Nigel Buchanan | Sally Ann Howes
As: Mrs. Skinner
A British army officer becomes fascinated by the portrait of a young woman. He travels to Germany to find her only to discover that she is suffering from amnesia.
Runtime: 90 min.
Directed by: Terence Fisher
Stars: Herbert Lom | Robert Beatty | Guy Rolfe | Patrick Holt | Mai Zetterling
As: Mrs. Gaye
A British housewife does her own battles against the enemy during World War II.
Runtime: 84 min.
Directed by: Roy Ward Baker
Stars: Thora Hird | Derek Bond | Cecil Parker | Joan Hopkins | Ursula Jeans
As: Derek's Charwoman
Justice, the poets have it, is a blind goddess. Eric Portman stars as the lawyer defending a lord, Hugh Williams, accused by his secretary Michael Dennison of having diverted public funds for his own use.
Runtime: 87 min.
Directed by: Harold French
Stars: Claire Bloom | Anne Crawford | Michael Denison | Hugh Williams | Eric Portman
As: Visitor in Tussauds
A man falls in love with a beautiful young woman and begins to suspect that he may have also loved her in a previous life.
Runtime: 105 min.
Directed by: Terence Young
Stars: Hugh Sinclair | Bruce Belfrage | Eric Portman | Edana Romney | Barbara Mullen
As: Ada
Jonathan Dakers' early ambition was to become a great surgeon and to marry Edie Martyn. But, on the death of his father, he is obliged to start work as a partner in a poor general practice in the Black Country. Edie falls in love with Jonathan's brother, Harold, who is killed in the Great War, and Jonathan marries her as planned. It is only afterwards that he realises he now loves another.
Runtime: 104 min.
Directed by: Harold French
Stars: Ronald Howard | Mary Clare | Stephen Murray | Michael Denison | Dulcie Gray
As: Mrs. Burtshaw
Downed English airmen hide out with women in a Nazi concentration camp in France.
Runtime: 97 min.
Directed by: Frank Launder
Stars: Reginald Purdell | Phyllis Calvert | Patricia Roc | Flora Robson | Renée Houston
As: Ivy
The quiet village of Bramley End is taken over by German troops posing as Royal Engineers. Their task is to disrupt England's radar network in preparation for a full scale German invasion. Once the villagers discover the true identity of the troops they do whatever they can to thwart the Nazis plans.
Runtime: 92 min.
Directed by: Alberto Cavalcanti
Stars: Leslie Banks | Basil Sydney | Edward Rigby | Mervyn Johns | Marie Lohr
As: ATS drover with puncture
Wartime propaganda piece giving the warning "Be like Dad, Keep Mum". A gossipy housewife is overheard talking about what her son is doing by a Nazi spy.
Runtime: 102 min.
Directed by: Thorold Dickinson
Stars: Stephen Murray | Mervyn Johns | Reginald Tate | Nova Pilbeam | John Chandos
As: Joyce
A professor teaching at a correspondence school discovers that a Nazi agent is trying to prevent a trade treaty being signed between England and South America.
Runtime: 80 min.
Directed by: Will Hay | Basil Dearden
Stars: John Mills | Thora Hird | Felix Aylmer | Basil Sydney | Will Hay
As: Elsie
Ministry of Information-sponsored comedy short showing wartime audiences how to deal with the threat of incendiary bombs.
Runtime: 9 min.
Directed by: Walter Forde
Stars: Muriel George | Thora Hird | Will Hay


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Title: Chief Executive Officer
Company: Gehret Associates Inc.
Location: Ephrata, Penn.
Approaching her profession with a humanistic outlook, Janna Fravel continues to maintain high standards of excellence as chief executive officer at Gehret Associates, Inc. It has been 21 years since Ms. Fravel made the decision to purchase Gehret Associates, a Pennsylvania tax and insurance consultancy, where she helps provide needed financial services to small businesses. Familiar with the previous owner, she is continually committed to the consultancy's initial goals of honesty, quality insurance information, assistance to clientele, and participation in ministries. "I chose this career because I enjoy helping my clients prepare for their future," she says, explaining the benefits of her compassionate and caring nature toward the business consulting arena. Ms. Fravel prides herself on listening to the unique needs to each client and is highly skilled in finding the specific insurance program that best suits each individual.
As chief executive officer, Ms. Fravel's duties include both helping businesses and individuals take financial steps to prepare for unforeseen situations and mentoring her staff to approach transactions with the same style of dedication and consideration she practices. She leads a staff of 11 other women, and wishes to encourage other women to use their personal strengths and gifts to pursue their goals. Ms. Fravel studied business administration and management at South Hills School of Business and Technology and earned an associate's degree in business studies from Harrisburg Area Community College, where she took courses specializing in business management and law. Through her preparatory achievements, Ms. Fravel has attained property and casualty licenses as well as licensure to sell health, life, and disability insurance.
Ms. Fravel recently earned a bachelor's degree in Bible education from Lancaster Bible College, where she is a current board member. Her passion resonates within the Christian ministries and she sits as treasurer for HANDI*Vangelism Ministries International, a Christian organization dedicated to providing unique compassion ministries to the Pennsylvania area. Her integrity, dedication, and top-notch client service were acknowledged in 2013 when she received the Richard S. Bafcino Award. It is Ms. Fravel's goal to consistently grow as an individual and to bring kindness and energy into the lives of others. To keep abreast of new and developing leadership techniques, she is a member of the National Association of Professional Women.

subset: commoncrawl


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A lot of pool experts believed that using a flocculant or pool floc is the fastest answer when dealing with cloudy water in the swimming pool. They said it is the best solution when your filtration system is not working and your pool water is slowly getting cloudy.
But what if the flocculant does not work when you use it in the pool and does not sink as expected. Pool floc not sinking, why? This will probably be the immediate question that you will raise once you encounter this situation.
In this article, we will be discussing the importance of using a pool floc in cleaning and making the pool water crystal clear. We will also be dealing with other related information about the use of flocculant and its relation to the pool clarifier.
What is Flocculant?
When you are dealing with cloudy water and most of the methods you have used was not effective, you probably need a flocculant to make the water clear again. They say that a flocculant or a pool floc is the fastest way to make your water crystal-clear again. But how flocculant does it will be discussed later in this article.
Flocculant is a coagulant, a type of element that causes all the small and microscopic dirt in the pool such as algae, dust, and other particles to gradually combine and become bigger for easy picking and cleaning by the pool cleaner. This chemical will put together all the tiny floating fragments of dirt found in the pool that is too small to see with the naked eye.
Once all the dirt and tiny particles are already clung together, the weight will cause them to sink on the bottom of the pool. When this will happen, it is now the turn of the pool filter to absorbed or suck the dirt or the pool cleaner can clean it up by using the pool vacuum.
Flocculants – Clear the Water Fast (Benefits of Flocculants)
There are a lot of benefits when using a flocculant. First of all, it is an alternative to treat cloudy water and make it crystal clear again. I know there are a lot of ways and methods in treating or cleaning pool water and flocculant is one of them. Furthermore, flocculant helps clean the dirt in the swimming pool which is too small to see with our human eye.
While the pool filter helps in catching particles in the pool water, those small particles which come in microscopic sizes remain in the pool water for a long time. The flocculant will be the best option for the pool cleaner to remove these tiny particles away from the swimming pool.
Another benefit of using a flocculant is it helps the pool cleaner to be efficient in cleaning the swimming pool. It is a fact that the pool cleaner does not have the ability to see the smallest particles that are suspended in the pool water. With the use of the flocculant, it will make those tiny particles to combine and sink in the bottom of the pool making it easy for the pool cleaner to remove it through the use of a pool vacuum cleaner.
What's the Difference Between Flocculants and Pool Clarifiers?
Before discussing the difference between a flocculant and a pool clarifier, it is good to note that both chemicals are coagulant or elements that causes the process of coagulation in which the tiny and suspended particles found in the pool water combines to form a block which will then sink in the bottom of the pool when becomes heavy.
However, the main difference between the two is the amount of time both chemicals work in doing the coagulation process. If you want to have a faster result, it is highly recommended to use a flocculant to clean your pool water. Meanwhile, a pool clarifier works the same as flocculant but it is a milder chemical and it may take a longer time or even a few days to finally clean and clear the pool water.
So, if you need to use your pool urgently, it is advisable for you to use a flocculant instead of a pool clarifier. Furthermore, the use of the two coagulants largely depend on the urgency of your need to use the swimming pool.
When to Use a Clarifier Instead of a Flocculants?
As I've said earlier, the use of the two pool cleaners largely depends on the urgency of your need to use the swimming pool. If the pool will be needed in a few hours and the water is still cloudy, it is advisable for you to use flocculant. All you have to do is pour it in the pool water and proceed to clean the pool to prepare it for the activity.
But if you have the time and the pool activity is a few weeks away, then the pool clarifier is the best option for you. Aside from the time factor, a clarifier can work with the pool cartridge filter while flocculant doesn't. Furthermore, using a clarifier requires less amount of water as there is no need to vacuum the pool after use.
Using a flocculant or a pool clarifier will largely be depending on you and the urgency of using the swimming pool. But rest assured that both are effective in cleaning and making the pool water crystal clear again.
How to Floc a Pool?
The best thing about a flocculant is it works and acts quickly compared to a pool qualifier. You can immediately get the desired result 24 hours after the application. However, the need to vacuum the swimming pool is necessary to remove all the dirt and debris on the pool floor. Here is the simple process of applying a flocculant in the swimming pool.
- The first thing to do is to fill your pool with water to raise its level. This is needed in anticipation of losing more water during the application process and the vacuuming stage.
- The next step is to balance the pH level and ensures that the chlorine is working fine to ensure the efficiency of the application process.
- The next step is to mix the flocculant with water. You should base your dilution process on the instruction stated in the flocculant container. After that, gently pour off the flocculant on the different edges in the swimming pool.
- The next step is to let the flocculant spread evenly throughout the pool by letting the pool pump run for a few hours.
- When the flocculant is evenly spread in the pool, the next step is to turn off the pool pump so that the water becomes stagnant and lets the flocculant work its magic. Eight to twelve hours is enough for the flocculant to do its job and collect all the tiny particles and dirt in the swimming pool.
- After the 12-hour period, turn on the pump and you will immediately notice particles or residue settling down the pool floor which is the result of the application of flocculant.
Application and Removal of Flocculants
After the application process stated above, the next step is to remove the residue away from the swimming pool. The steps below will show you the process.
- The first thing to do is vacuum all the combine particles or the residue away from the swimming pool. Furthermore, avoid using the filter in removing the dirt on the pool floor and instead do it with the use of the vacuum cleaner.
- After removing all the dirt in the pool floor, stop the pool pump and make the rotary valve in recirculate mode. After that, turn on the pump and let it work for 2 hours to be able to let those residues that escape the vacuuming to be in one place.
- The next step is to set the rotary valve to waste mode and start vacuuming all the remaining residue away from the swimming pool.
- After that, it is now time to set all the rotary valves and the other switches into filtration mode. Immediately check the chemical composition of your pool water especially the chlorine and the pH level.
If after the application process you will still see the pool water cloudy, it's probably caused by other reasons aside from the dirt in the swimming pool. Maybe there is a problem with the pool's sand filter or some other malfunctions that need to be corrected.
The pool Floc not sinking, why? This will probably be your question once you will notice that the flocculant you applied in the pool is not working. However, this is a rare occurrence as flocculants have been proven to effectively clean the swimming pool.
When you begin to notice that your pool water is getting cloudy, it is highly recommended to use a clarifier first and see if it will be effective in clearing the pool water. However, if this is not effective, then the next choice is to use a flocculant and see for yourself if it will be effective in making your pool water crystal-clear again.


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Goki Pty Ltd Privacy Policy
Goki Pty Ltd. ("Goki") knows that you take your privacy seriously. We do, too. We are committed to giving you transparency of our privacy practices and control over your data in connection with Goki's Services.
This Privacy Policy covers Goki's treatment of personally identifiable information ("Personal Information" ) and other data that Gokii gathers when you are accessing Goki's Services. The Services are not available to individuals who are younger than 16 years old.
What Personal Information Does Goki Collect?
•Personal Information You Provide to Us: We receive and store any information you enter on our Services or provide to us in any other way. The types of Personal Information collected may include your name, email address, phone number, birthday, location, use information regarding your use of our Services, and browser information.
•We automatically receive your location when you use the Services. We use various technologies to determine location, such as location services of the applicable operating system or browser and sensor data from your device that may, for example, provide information on nearby Wi-Fi- access points and cell towers.
•The Personal Information you provide is used for such purposes as allowing you to set up a user account and profile that can be used to interact with other users through the Services, improving the content of the Services, customizing the advertising and content you and your friends see (including Goki or third-party advertising or content), and communicating with you about specials and new features. Your Services account will be associated with your email and this account will be used for all our Services that you use. Information you provide to one of our Services may be used with other Services you or your friends use. For example, location information we receive in connection with your use of one of our apps may be used to customize the content you and your friends see in another of our apps. We may also draw upon this Personal Information in order to adapt the Services of our community to your needs, to research the effectiveness of our network and Services, and to develop new tools for the community.
•Information Collected Automatically: When you use the Services, Goki automatically receives and records information on our server logs from your browser or mobile platform, including your location, IP address, browser type, operating information, mobile carrier, device and application IDs, cookie information, and the page you requested. We treat this data as non-Personal Information, except where we are required to do otherwise under applicable law. Unless otherwise stated in this Privacy Policy, Goki only uses this data in aggregate form. We may provide aggregate information to our partners about how our users, collectively, use our Services, so that our partners may also understand how often people use their services and our Services.
•Information We Receive from Third Parties: We receive and store information from third parties that interact in some way with the Services or that provide services to us in connection with the Services. For example, if you unlock a Goki special that is redeemed through a credit card swipe, the credit card processor may tell us information about the redemption such as the time that your card was swiped. In addition, you may choose to use apps that share your Personal Information, activities and/or content with Goki. Please read the privacy policy of any such app so that you understand its sharing practices.
How is My Information Shared?
Personal Information about our users is an integral part of our business. We neither rent nor sell your Personal Information to anyone, though, as described more fully in this section below (under "Publicly Available Information, the Goki API, and Apps"), your publicly-available information is available to third parties, and we may provide it to third parties, by license or otherwise. Goki may share your Personal Information only as described in this Privacy Policy and related documents.
•Other people in your area:
•Other people in your area can see, for example, your location (as described in more detail below), name, profile photo, hometown, a list of your mutual friends, the places you have visited, your interests, plans you write or comment on, activity feed posts, photos you post, and tips you write.
•Individuals reading this information may use it or disclose it to other individuals or entities without our control and without your knowledge. We therefore urge you to think carefully about including any specific information you may deem private in comments, plans or tips or other content (location or otherwise) that you create in the Services.
•Businesses, Locations, Events and Brands: One of the key purposes of the Services is to help users learn about businesses, locations, events and brands (for example, a TV show, a TV personality, newspaper or a consumer good that manages a page on the Service) that are relevant to them, and for these entities to provide information about themselves, their locations and events to users, as well as to reward users when they visit their location or event through offers and specials. When you visit to a particular location that is a 'claimed location' your visits are shared with that location in order for it to better provide services to you. Additionally, brands may have access to aggregated and anonymous data, such as de-identified data about places that its followers visit (that is, not tied to individual users).
•Publicly Available Information, the Goki API, and Apps: When you use the Services, certain information is public, such as your public user profile information, tips, likes, saves, public photos, be cautiously shared with or disclosed to related parties. We may also share or disclose aggregated and anonymous data, such as de-identified check-in data (that is, not tied to individual users), to third parties for analytical or other purposes.
•Agents: We employ other companies and people to perform tasks on our behalf and need to share your information with them to provide products or services to you. Our agents do not have any right to use Personal Information we share with them beyond what is necessary to assist us, and they provide a comparable level of protection for your Personal Information.
Determining and Sharing Location
Determining your location – The Services deal with location, so in order to work, the Services need to know your location. Whenever you open and use/interact with our apps on your mobile device or go to one of our Sites, we use the location information from your mobile device or browser (e.g., latitude and longitude) to tailor the Services experience to your current location (i.e., we'll show you a list of nearby locations, friends and tips). This information is NOT shared with others outside of Goki. Also, the Services use your mobile device's 'background location' to provide the Services, including to send you notifications of tips/friends/plans/interesting things etc. near you. If you have 'background location' turned on, the Goki app will, from time to time, tell us about your device's location even if you are not directly interacting with the application.
Sharing Location with the Goki app – Your location data is shared with others on the Goki app to tell the Services you're at a particular place. The location information shared with a "check in" is the location information of that place.
Sharing Location with the Goki app – By default, neighborhood sharing is turned on and your location data, at a neighborhood level, is shared with Goki users and is updated from time to time using your background location.
Your Check-in History – Each of your check-ins using the Services is saved to your "Check-in History," which allows you and your friends to look back at all the locations you have checked in since you created your Services account. You can delete any or all of your check-ins from the check-in details page on our website and in the apps. If for some reason you ever decide to delete your Services account, your entire check-in history will be removed from our database.
Services Features
The Services include several features that may allow you to share your information with others. Please remember that if you choose to provide personal information using certain features of the Services, that information may be available to the wider Services community, or may be published on our Sites, which is subject to indexing by third party search engines.
Sharing with Partners, in connection with business transfers, and for the protection of Goki and others:
•Our Partners: In addition to the data sharing described above, we enter into relationships with a variety of businesses and work closely with them. In certain situations, these businesses, provide services to you, sell items or provide promotions to you through the Services. In other situations, Goki provides services, or sells items jointly with these businesses. You can easily recognize when one of these businesses is associated with your transaction, and we will share your Personal Information that is related to such transactions with that business.
•Business Transfers: If Goki or substantially all of its assets are acquired, or in the unlikely event that Goki goes out of business or enters bankruptcy, user information would be one of the assets that is transferred or acquired by a third party.
•Protection of Goki and Others: We may release Personal Information when we believe in good faith that release is necessary to comply with the law, including laws outside your country of residence; enforce or apply our conditions of use and other agreements; or protect the rights, property, or safety of Goki, our employees, our users, or others. This includes exchanging information with other companies and organizations (including outside of your country of residence) for fraud protection and credit risk reduction.
Email Communications
If you do not want to receive commercial email or other mail from us, please indicate your preference by making a modification on your account settings page or through the 'settings' tab on our website once you're logged into the Services. Please note that if you do not want to receive legal notices from us, such as notices regarding this Privacy Policy, those legal notices will still govern your use of the Services, and you are responsible for reviewing such legal notices for changes. We may receive a confirmation when you open an email from Goki if your computer supports this type of program. Goki uses this confirmation to help us make emails more interesting and helpful and improve our service.
What About Cookies and Similar Technologies?
We may work with advertisers or other partners and advertising service providers to serve ads or services to computers, mobile phones or other devices, which may use a cookie, pixel or other similar technology placed by Goki or the third party (although we would not share any other information that identifies you with an advertiser). This Privacy Policy and Goki's Cookie Policy covers the use of cookies by Goki and its service providers and does not cover the use of cookies by any advertisers. For information about how to opt out of receiving behavioral advertisements from our advertising partners, click here or click here. Also, certain versions of the iOS operating system permit you to limit ad tracking in the system settings.
Is Personal Information About Me Secure?
Your Goki account Personal Information is protected by a password for your privacy and security. You need to prevent unauthorized access to your account and Personal Information by selecting and protecting your password appropriately, and limiting access to your computer and browser by signing off after you have finished accessing your account.
Goki endeavors to safeguard user information to ensure that user account information is kept private. However, Goki cannot guarantee the security of user account information. Unauthorized entry or use, hardware or software failure, and other factors, may compromise the security of user information at any time.
The Services may contain links to other sites. Goki is not responsible for the privacy policies and/or practices on other sites. When linking to another site, you should read the privacy policy stated on that site. This Privacy Policy only governs information collected on the Services.
International Users
If you are located outside of Australia, please note that this app is hosted on our computer servers in Australia. Therefore, your information may be processed and stored in Australia. As a result, Australian federal and state governments, courts, or law enforcement or regulatory agencies may be able to obtain disclosure of your information through laws applicable in Australia. Your use of the Sites or the Services or your submission of any Personal Information to us will constitute your consent to the transfer of your Personal Information outside of your home country, including Australia, which may provide for different data protection rules than in your country.
Goki complies with the U.S.-EU Safe Harbor Framework and the U.S.-Swiss Safe Harbor Framework as set forth by the U.S. Department of Commerce regarding the collection, use, and retention of personal information from European Union member countries and Switzerland. Goki has certified that it adheres to the Safe Harbor Privacy Principles of notice, choice, onward transfer, security, data integrity, access, and enforcement. To learn more about the Safe Harbor program, and to view Goki's certification, please visit http://www.export.gov/safeharbor/.
General Data Protection Regulation
If you are a citizen of the European Economic Area (EEA) then information collected by Goki may be required to comply with the European Data Protection Regulation (GDPR). Many obligations contained in the GDPR have equivalent obligations under the Australian Privacy Principles.
If you have any queries in relation to how your data is handled, please contact our data protection officer at firstname.lastname@example.com.
If you an individual in the EEA, we collect and process information about you only where we have legal bases for doing so under applicable EU laws. The legal bases will vary depending on the service provided. This means we collect and use your information only where:
•We need it to provide services to you, including the core features of Goki;
•There is a legitimate interest in collection of your data which is not outweighed by your interests in protection of your data;
•You have given us consent; or
•Your data is required to comply with a legal obligation.
If you object to Goki's use of your personal data it may mean you are no longer able to use the Goki app.
EEA residents have the following rights that they may exercise by notifying the Goki data protection officer:
•Right to erasure – You may have the right to erasure of your personal information under Article 17 of the GDPR. If you notify Goki of a request under Article 17 then we will respond within one month confirming if your data has been erased. We may not comply with such a request if the right to erasure does not apply, for example if there is a legal obligation to retain the data.
•Right to data portability – You may be entitled to request a copy of the personal data held by Goki. If you make such a request, we will deliver the data to you in a structured, commonly used and machine-readable format. Once you have a copy of this data Goki will not place any restriction on your use of that data. You may also request that Goki transfers your data directly to another party, if it is technically feasible to do so.
•Right to object – You may ask Goki to cease processing your personal data. You have the absolute right to object to the processing of personal data if it is for direct marketing purposes. There are other basis upon which you can object to your data being processed however there may also be circumstances where Goki will continue to process your personal data, such as if it relates to legal action.
By using Goki you consent to the transfer of your personal data to Australia where the app and relevant computer services are hosted. Data held in Australia is protected by the Australian Privacy Principles. If your data is then transferred to another country then Goki will ensure that any such transfer is not in breach of the GDPR and appropriate protections are in place.
Where Goki engages an external data processor we take steps to ensure that the data processor implements appropriate technical and organisational measures to ensure compliance with the GDPR and protect your rights in relation to your data.
You may withdraw your consent to the use of your data at any time. You can do so by contacting our data protection officer.
What Personal Information Can I Access?
Goki allows you to access the following information about you for the purpose of viewing, and in certain situations, updating that information and ensuring that it is accurate and complete. You can access this information on the Services by visiting the user settings page (except usage information, which can be accessed in the "History" tab). This list will change as our Service changes.
•Other User profile information (for example, home city, photo)
•Usage information (for example, check-in history)
If you have questions about the Personal Information we have collected from you, you can email firstname.lastname@example.com.
How Do I Delete My Goki App?
Should you ever decide to delete your app, you may do so by holding your finger on the Goki icon on your relevant app page, and then click the cross in the top left of the icon. If you terminate your account, your profile, including your check-in history, your User Submissions (as defined in Goki's Terms of Service) and any promotional offers you received, will be removed from the site and deleted from Goki's servers. Because of the way we maintain Goki, such deletion may not be immediate, and residual copies of your profile information or posts may remain on backup media for up to ninety (90) days.
How Is Information Removed From My Account?
Even after you remove information from your account or profile, copies of that information may remain viewable elsewhere, to the extent it has been shared with others, it was otherwise distributed pursuant to your privacy settings, or it was copied or stored by other users. Removed and deleted information may remain on backup media for up to ninety (90) days prior to being deleted from our servers.
Will There Be Changes To This Privacy Policy?
Goki may amend this Privacy Policy from time to time. Use of information we collect now is subject to the Privacy Policy in effect at the time such information is used. If we make material changes in the way we use Personal Information, we will notify you by posting an announcement on our Services or sending you an email. Users are bound by any changes to the Privacy Policy when they use the Services after such changes have been first posted.
What If I Have Questions Or Concerns?
If you have any questions or concerns regarding privacy using the Service, please send a detailed message to: firstname.lastname@example.com. We will make every effort to resolve your concerns.


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Schizoaffective disorder is a mental illness that affects a person's mood, thoughts and behaviour. Around one in 200 people develop schizoaffective disorder and some point in their life.
What are some of the symptoms of schizoaffective disorder?
A person diagnosed with schizoaffective disorder may experience symptoms of both schizophrenia and bipolar – these can include psychosis, mania and depression.
Symptoms of mania may include:
- Feeling euphoric, excited, confident or adventurous
- Having racing thoughts
- Feeling energetic or restless
- Talking quickly
- Difficulty concentrating / being easily distracted
- Being more sociable than usual
Symptoms of depression may include:
- Feeling down, hopeless, empty or upset
- Low self-esteem, lack of confidence, feeling worthless
- Lack of motivation and inability to enjoy things
- Difficulty concentrating
- Sleeping too much / difficulty sleeping
Symptoms of schizophrenia may include:
- Hallucinations
- Delusions
- Paranoia
- Confused thoughts and feelings
- Withdrawal from family and friends
- Loss of motivation
Despite sharing similar symptoms to schizophrenia and bipolar, schizoaffective disorder is recognised as a separate diagnosis.
Find out more about the symptoms of schizoaffective disorder at Rethink Mental Illness.
What's it like to live with schizoaffective disorder?
Everyone's experience is different, but the symptoms of schizoaffective disorder can affect how someone deals with day to day life. People may feel disorientated, confused and frightened or experience racing thoughts, agitation or take more risks.
There may be times where they struggle to look after themselves, but also periods between episodes where they feel well.
Where can I find out more?
Visit the Rethink Mental Illness website to find out more about schizoaffective disorder, including information on diagnosis, symptoms, treatment and recovery.
You can also find information about schizophrenia on Mind's website.


text: Guest Post by Phillip Holmes, RUF at Jackson State University It's my privilege to welcome Phillip Holmes to the blog. Phillip is a classmate of mine at RTS Jackson. He is also the co-founder of RAAN--a ministry that would not be where it is today without his stewardship. Most importantly he is a dear friend … Continue reading Support the Ministry of Phillip Holmes–Intern for RUF at Jackson State


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Mortgage Rates – Old National Bank – See Old National's current mortgage rates for Conventional, Construction, Term 15 Year Fixed, Rate3.500%, APR3.701%, Apply now Find an expert. interest rate of the loan: Years 1-5 at 4.625% rate with a payment of $511.53, Year 6 at.
Today's low interest rate for a 15-year fixed is 3.375% (3.851% APR), and the interest rate for a 30-year fixed is 3.99% (4.253% APR). Why You Should Choose Quicken Loans You'll get a completely online application process with less paperwork, and you can track the status of your mortgage application.
Fannie Mae Limited Cash Out Refinance Guidelines What Is A good apr rate For A Home Loan Mortgage Rates – Compare Current Mortgage Rates | Credit.com – Today's mortgage interest rates and APR are displayed below in our helpful mortgage calculator. Get a great mortgage rate when you compare mortgage rates from multiple lenders – choose from fixed rate loans of 15 or 30 year terms, or adjustable rate mortgages (variable rate loans) at 7/1 ARM, 5/1 ARM, and 3/1 ARM.DU Refi Plus – Unlimited LTV – All Occupancy Types Loan Purpose: Limited Cash Out Refinance Occupancy: Owner Occupied; Second Homes; Investment Properties Property Type:. The loan being refinanced must have been purchased or securitized by Fannie Mae prior to June 1, 2009.
15 Year Fixed Mortgage Rates – realtor.com – 15 Year Fixed Mortgage Rates. Nationally, 15 Year Fixed Mortgage Rates are 3.33%. This rate was 3.34% yesterday and 3.36% last week.
Current 15 Year Fixed Mortgage Rates with Chart – · View and compare urrent (updated today) 15 year fixed mortgage interest rates, home loan rates and other bank interest rates. Fixed and ARM, FHA, and VA rates.
US average mortgage rates fall; 30-year at 4.45 percent – The average rate for 15-year fixed-rate loans fell to 3.89 percent from. especially by borrowers with larger mortgage loans. The MBA's refinance index rose 35 percent in the week ended Jan. 4,
Meanwhile, the 15-year fixed-rate market share is significantly higher on refinance mortgages because borrowers don't want to restart the clock.
Fixed mortgage rates reverse course for the first time this year – Fixed mortgage. the 30-year fixed-rate average slipped to 4.44 percent with an average 0.5 point. (Points are fees paid to a lender equal to 1 percent of the loan amount.) It was 4.46 percent a.
Hud Title 1 Home Improvement Loan FHA Title 1 home improvement lenders – Mortgagefit – I'm interested in using the FHA Title 1 for home improvements and the approved lender list that HUD offers is seemingly useless. All of the lenders on the site have been approved to make the loans but when I call they say they aren't.
Best 15 Year Refinance Mortgage Rates Today | Current Refi. – More advantages of a 15-year refinance. While interest rates and the relationships between 30 and 15-year mortgage refinance rates can vary greatly, you can generally expect to pay between 20 and 30 percent less for a 15-year loan than you would for a traditional 30-year fixed rate mortgage.
Best Mortgage Rates Today June 2019 | MonitorBankRates – Conforming 15 year mortgage rates are averaging 3.75 percent today, down slightly from the previous week's average 15 year rate of 3.76 percent. Currently, the lowest 15 year refinance rate on our rate list is quoted at 3.625 percent with no mortgage points.
When to Refinance into a 15 Year Mortgage RateRefiGuide. – Also, the rates for a 15-year mortgage will almost always run lower than a 30 year mortgage. The other reason that some people like to get a 15-year mortgage on a refinance is that after you pay for only 15 years, you are done.
Mortgage Interest Rate Quote Compare Today's Mortgage and Refinance Rates | NerdWallet – A mortgage rate is the amount of interest paid on the mortgage, quoted as an Annual percentage rate (apr). Current rates are 4.38% for a 30-year fixed, 3.92% for a 15-year fixed, and 4.86% for a 5.Where Is The Best Place To Get A Mortgage Loan Qualifying For A Mobile Home Loan Can I Get A Home Loan Without A Job Qualifying For Two Mortgages Great News for Millions of home equity borrowers in 2018 – Many borrowers will be thrilled to learn that some home equity debt may qualify for the mortgage interest deduction after all. We're still less than two months into 2018, so I wouldn't be surprised.Why Are Mortgage Rates So Low Why Are Interest Rates So Low? | Fraser Institute – Why Are Interest Rates So Low? – Published on February 11, 2016 This paper is the latest version of my attempt to convey to others the sense of a model and my understanding about current financial markets that I have been developing and using for my own financial planning and.What Happens When You Refinance A House What Happens If I Inherit Property With a Mortgage? – You also might want to seek professional help if you are a relative, but the lender insists that you refinance to pay off the mortgage. references north carolina estate Planning Blog: I Inherited a House – Do I Have to Refinance the Mortgage?Loans If You're Unemployed – MoneySuperMarket Guide – Reduce the cost of moving home Make home improvements buy a car for less Check your credit profile mortgage calculator Buying mood index Credit Score and Report.. Can I get a loan if I'm unemployed?. specialist lenders offer loans to people without regular employment, although these will.Student loan forgiveness: 38,000 public servants applied. – A U.S. Education Department program to help public servants get student loans forgiven was criticized for being too onerous..'This Can Serve as a North Star': greg carlock explains Why the Green New Deal Represents a New Era of Politics – He's worked on environmental policy for places like the Environmental Protection. I'm a father and I have a house and.
Mortgage rates soar to seven-year highs – Mortgage rates are at. was the largest one-week spike in the 30-year rate since November 2016, when it increased 37 basis points. The 30-year fixed rate was 4.71 percent a week ago and 3.91 percent.
Second Mortgage Fixed Rates Second Mortgage Rates Fixed – 15 and 30 year mortgage rates home loan documents required real estate construction loan >> >> If you want to pay off your loan faster and save thousands of dollars in interest rate you can refinance your mortgage to a shorter term. 15 and 30 year mortgage rates home loan documents required.


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These studs are going to be hitting homeruns with their thick bats. The locker room becomes the hottest place to be when these jocks turn up the heat when they go to cool off.


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Showing content with the highest reputation on 09/11/2019 in Posts
40 pointsHe's officially a patriot
36 pointsThat's too bad. Good guy who worked hard. You bros crying misplaced crocodile tears over the Demaryius Thomas trade can get in line to eat the D.
16 pointsThis board. Geezuz.
15 pointstower 1 my friend...here's my story I wrote up years ago. never forget I'll never forget, I was in the North Tower on the 26th floor. When the plane hit the sound of the explosion was unbelievable, but the aftershock of the hit was worse. The building shook from side to side so violently that I thought it was coming down, my desk was near a window, and as I looked out I could practically see the ground head on. People fell out of their chairs, I was standing and had to hold on to my desk. When the shaking stopped out in the distance looking through my window, I could see what at first appeared to be rocket trails, which turned out to be flaming debris shooting out and down from above. Now I am frozen, and unsure of what is happening. My next sight is burned into my memory, but it took me days to remember it, some poor soul from an upper floor falling past my window, smoldering, this is what got me moving. As I made my way to a staircase, I got hit in the head with a ceiling tile, another thing I didn't remember until someone told me later. The desent down the stairs was orderly, there was a strange smell in the air, which I guess was the jet fuel. As I made it to the lower floors, around 5 or 6 the sprinklers were on, and water was rushing down the stairs. Finally we began to exit the stairwell, onto the mezzanine level, and at that exact moment the building began to shake violently again, this was the second plane hitting. Now I ran, but it was like a dream running in slow motion, as I head for an exit to the plaza I was stopped dead in my tracks by something huge falling from above, just outside the revolving door I was about to fo through. One second faster and I'm sure I was gone. Now I spun and ran the other way, through another revolving door that appeared safe, I sprinted to an overpass over West St. that led to the Winter Garden. A security guard on the other side screamed, "Run!" what was happening, I still had no clue, as I got closer to the guard he said we were under attack, missles or planes, he wasn't sure. I ran towards the water, and then looked up for the first time, the sight was incredible, my first thoughts turned to the friends I had at Cantor Fitzgergerald, I worked for that firm in the past, on the upper floors of that building, including one of my best friends. I could not stay and watch the horror unfold, people were jumping or falling, so I began walking up the West Side drive right away, I was able to make a call to my wife from a pay phone, and I told her I was OK. The South Tower came down, a sight I'll never forget, as I was a safe distance away. A few zombie like minutes later, the North Tower came down, as I was standing in front of Chelsea Piers. My cell phone now worked and I called my wife again, she told me of the Pentagon attacks, and I told her there was no way I was going to Grand Central. I did head over towards mid town, to try a find out more info. Now at some bar in the thirties, looking for water, and info, I run into the guy that sat next to me at work. This is crazy, because we took different routes to get to that point, and we live near eachother in Westchester. He and I walked up, and over the Third Avenue Bridge, where along the way I got hit with bird droppings, as someone said, it was good luck, and I really think it was no small miracle that I got out. In the Bronx, my brother in law picked us up on Arthur Ave. I'll never forget my friends, neighbors, and acquaintances lost on that day. I think of them on a daily basis. I was lucky, my family was lucky, I pray for those that were not.
15 pointsShows how tough Sanchez was. He didn't get strep, and he ate brandon moore's ass during the buttfumble.
14 pointsTwo things. One I hate to see this. Man worked hard to get where he is. Best Wishes to Q Two - I told y'all so. Extending a man with a neck injury and depending on him was dumbass dumb. This fcking team.
13 pointshonestly im glad the kid got his money, gave his body for the team.
13 points
13 pointsWhat I think he's trying to articulate...
12 points
12 pointsSome of you guys were definitely breastfed too long.
11 pointsYou know, I am not one to keep questioning our teams decision makers, but with the couple of various CBs with experience out there shouldn't we try to upgrade there rather than DLine. CB Roberts all but cost us the game last week wiping out a Maye INT with a holding penalty and then giving up the game winning TD. Not to mention CB Johnson playing in a different zip code off the WR giving them like a 20 yard cushion that I thought you only did on Hail Mary plays. Geez, try to at least stop the bleeding on our biggest weakness at this point.
10 pointsthat's the worst idea ive ever heard.
10 pointsGreat signing by Macc.
9 pointsIt should also be pointed out that Douglas got one over on Belichick, as there's no way in hell Belichick hands him Thomas if he knows the Jets are losing Enunwa for the year.
9 pointsI do not want to make light of the accusations. That is off limits. But I can't be the only one who immediately thought of this when I read that garbage above.
8 pointsI remember watching the giants game on Monday night with my dad. Seemed like a normal Monday night. I was complaining about the Jets getting blown out by the Colts a few days earlier. The next day the world changed. Our fan base more then most was effected deeply. Today take a moment to Remember them all. Go Jets, Go America. Always remember
8 pointsI liked Willis a lot when he came out of the draft. DE/OLB tweener type, with some pass-rush potential. Nice pickup.
8 pointsMacc directly after Idzik was a complete disaster for this franchise. There's no way we could have been worse if we simply kept Tanny in charge, tbh.
8 pointsRx- take 5 new o-linemen and call me in the morning
8 pointsEnunwa out forever.
8 pointsI remember 9/11 still so well. I was in college at the time and walked right past some TVs in the gym on the way to my class. But I also remember 9/12 really well too... The outpouring of support, the kindness people showed each other, the strength the people of NY, DC and Penn - as well as the entire country - showed. 9/12 was somber and everyone was still shaken, but there was a twinge of hope and love under that too... We were good to each other. We told our friends and family we loved them because we were reminded things really could end at any moment. So that's what I try to remember. I try to recall that feeling the nation had in the days afterwards. We rallied around each other. We held people close. We took nothing for granted.
8 pointsIt's unbelievable sometimes.
8 points
8 pointsImmediately thought defensive tackle, because Jets.
8 pointsDoes he have 2 legs and a pulse? Sign him!
7 pointsThat is awful but I can't stop laughing at this.
7 pointsDarnold preparing for his MJ flu game I'm here for it . 4td passes confirmed for Monday night lol
7 pointsChad Pennington of WR's.
7 points
7 pointsMaccagnan drafted three defensive players with top six picks over that past four years and they combined—COMBINED—to make five tackles on Sunday, no INTs, no sacks, not even a single useless TFL. Meanwhile, you people are butthurt about the coach being dissatisfied with UDFA psychopath Robby Anderson's effort level.
7 pointsI'm an adult that doesn't immediately jump to alarmist hysteria. I'm not here to help you understand anything. But keep cluttering the board, it's a free world.
7 pointsI would like to say something witty and shame the OP but honestly after what I saw Sunday I'm In the same place. I was expecting high class hooker and I got a virgin on her wedding night instead. On top of that Sam literally looked as bad as he did when he had to sit last year. Please save me the line the line stuff because he just didn't look good. Bad feet and missing throws. I thought Gase was a QB whisperer offense guru guy? I do realize it's week one but damn, not what I was expecting.
7 points:Jets burn a third round pick on Jachai Polite, who was predictably and transparently the worst football prospect in the draft since Christian Hackenberg: Jets fans—This is the kind of gutty front office move I like to see and is guaranteed to work out. :Jets send a 2021 sixth rounder to Pats for future Hall of Fame WR: Jets fans—What an egregious waste of resources.
7 pointsIf only there was a thread where we could...oh jeezuz...never mind.
7 pointsCall me crazy, but maybe we see how he performs before damning the trade? Sent from my iPhone using JetNation.com mobile app
7 pointsIm sure hes a really good player and the texans are just cutting him.
6 pointsI was working in a hospital in Newark. The first tower was hit before I got there. The 2nd tower was hit while I was doing a training class. I said we have to cancel, the guy in charge said no we can't let people go we are a trauma center. That is understandable, but nobody was going to listen to training so I cancelled the class and left. I went home my family was all there and my Dad was there with them. As we were watching everything on TV, he said, now people know what war is like. Those words really jumped out at me. May those who died in this horrific act be at peace. I pray for their families and all those who lost a friend or loved one that day. So many others are sick right now with illnesses because they saved others, that is the definition of a hero. So selfless. The worst that humanity has to offer brings out the best sometimes. Never forget.
6 pointsI pray all goes well for him. There is more to life than football and hopefully he will be successful outside of the NFL. Sent from my iPhone using JetNation.com mobile app
6 pointsThe op is a bit over the top but he's right. Just what has Adam Gase done to justify the faith people are putting in him? He had a year of peyton manning at his best. He utterly failed in Miami and like the op said it was not at all his fault. He was hired specifically to make tannehill a good QB but the fail is all on Tannehill. We have seen this act before, coaches who talk a great game. His tenure started very badly with that Buffalo game.
6 pointsGod bless my friend charlie and to all the people who lost their lives on that fateful day. May their families remember them w/ love today.
6 pointsJust like when they told us Aaron Hernandez killed somebody. Utterly false...because he actually killed like 3 people.
6 pointsReminder to never send my kids to Central Michigan.
6 pointsIf there was only a thread where we could discuss this.
6 pointsWhat was the point of censoring one word after 30 F bombs lol
6 points
6 pointsThe guy who broke the story used to cover the Jets. Guy gets it, Go Jets.
6 pointsExactly, this isnt about acquiring a star #1 receiver. Its about the complete lack of talent as well as intelligence of the WRs on the Jets. The jets are the only team in the NFL who would have Robby Anderson as their #1 and the Jets don't even have a #2.
6 pointsAre you looking for a date?
6 pointsCaptain Hook


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Welcome to the Hingham Education Association Website!
Here you will find basic information for the Hingham Education Association. For contracts, forms, etc., see the "Resources" tab above.
Something broken? Have suggestions for things to add? Contact the HEA Webmaster (by school email is fine).
Something broken? Have suggestions for things to add? Contact the HEA Webmaster (by school email is fine).
HEA Social Events
Socials are held throughout the year with complimentary appetizers and special fundraising opportunities to benefit the HEA Scholarship Fund. Contact the HEA Scholarship & Lottery (a.k.a. Social) Chair or your building rep with questions or to submit your lottery sign-up form (print from button above).
2020-2021 Dates:
HEA Meetings
All-Member Meetings 2020-2021:
Monthly Executive Board meetings on typically the first Thursday of every month at 3:30pm. The host school provides refreshments. Executive Board Meetings are open to all HEA members. They will be held on Zoom if necessary.
Please request to be added to our closed Facebook group, "HEA Announcements & Info"! When you request to join on Facebook, an admin will verify your HEA membership and add you.
HEA is affiliated with the following organizations:


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07 chrysler town and country
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It was introduced in for the model year. This included unique gathered leather seating surfaces and door trim panels, front and rear air conditioning, power windows, power locks, an Infinity sound system , seven-passenger seating, luggage rack, and an electronically controlled four-speed automatic transmission. As all models equipped with the 3. The redesign used the Chrysler NS platform and included several industry firsts, including a driver's-side sliding door and a seating management system marketed as Easy Out Roller Seats. An unnamed entry-level model later redesignated LX featured fewer amenities in a long-wheelbase LWB form.
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Because of the threat of the covid-19 virus, all church services in the Diocese of Qu'Appelle have been suspended indefinitely.
Online worship information can be found below
A prayer from the Book of Alternative Services p737:
Faithful God, the shelter of all who hope in you, may those who seek your face be set free from fear and distress,
and come to see your goodness in the land of the living; through Jesus Christ, our light and our salvation. Amen.
Here's the latest information about covid-19 and our church from Bishop Rob:
Because of the threat of the Covid-19 virus, St. Giles Anglican Church is closed.
If you have any questions or need pastoral care please call
Archdeacon Wilma+ at 306-897-0402.
You can also contact the Rector's Warden,
Wendy Godfrey - 306-421-6122
Although we are unable to meet for regular church services, we now offer online services every Sunday morning.
The link to this week's service is below. There is also a link to this week's bulletin and also to previous video services.
We also have 2 links for the kids as well!
August 9, 2020:
How can you help St. Giles during the pandemic
Even though we can't meet at the church for Sunday services our expenses continue. There are several ways you can contribute.
One way is to sign up for pre-authorized debit. The amount you choose is taken from your bank account as a recurring debit. You choose the amount and the date that the money is taken. Click on the link below for the form you will need to fill out.
Donations can also be mailed to the church. Make cheques payable to St. Giles Anglican Church. The mail is checked every day. Our mailing address is:
St. Giles Anglican Church
317 12th Avenue,
Estevan, SK
We are also now accepting E-Transfers. Our email address is: email@example.com
We have it set up so that you don't need to use a security question.
All donations will be receipted for tax purposes, no matter which way you choose to donate.
Thank you for considering a donation to St. Giles!
317 12th Avenue,
Estevan, SK S4A 1E3
The Venerable Wilma Woods- Incumbent
The Reverend Deacon Barb Wright
The Reverend Brian Woods (Honourary Assistant)
All worship services are cancelled until further notice.
We are now doing services online. Information on these is lower down on the left side of this page.
Sundays - 8 AM Holy Eucharist
- 10 AM - Holy Eucharist
Sunday School runs from October to May during the 10 AM service
Bible & Brew is taking a break for the month of August. We will resume in September and hope you'll join us!


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Marvin the Martian is an Alien from the Looney Tunes series.
He played Sir Hiss in Trent Hood
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He played Rudolph in Rudolph (1998)
Young Rudolph is played by Marvin as he's seen in Baby Looney Tunes. Teenage/Older Rudolph is played by Marvin as he's seen in Looney Tunes, and Duck Dodgers.
Community content is available under CC-BY-SA unless otherwise noted.


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A trip to Altorreal, just north of the city of Murcia, always leads to at least some poor souls getting lost, and today was no exception. However, far more unfortunate was one member's clutch giving out a minute from the course, meaning him having to miss the round and sort out the vehicle's return.
So 30 members and 3 guests finally took on what turned out to be a course in somewhat disappointing condition given its excellent state the last time the society visited back in the spring. Greens, whilst generally slick and true varied in pace and were covered in lightly sanded patches.
Many bunkers were very hard with compacted sand, and some areas of the fairways and semi-rough were quite wet. These factors, possibly with the added addition of joints only starting to loosen up after the very cold start once the sun's warmth had started to be felt, led to some average scoring.
Steve Higgins (34) posted the best return of the day, with only half a dozen members beating 30. However, though the rounds may not have been great, it is always a pleasure to sit out on Altorreal's club house balcony, beverage in hand, taking in the splendid views during prize giving.
The day's competition results, by category and in reverse order, were the following:
Bronze Category: 3rd Norman Padmore (28 on CB), 2nd Marg Birtwistle (28 on CB), and 1st Paul Cobain with 31 points.
Silver Category: 3rd Ken Flaherty (29 on CB), 2nd Scotty Phillips (32 on CB), and 1st Keith Wickham, also with 32.
Gold Category: 3rd Ivan Hanak (31), 2nd Mike Iddles (32), and 1st Steve Higgins with 34 points.
Nearest the pins on the par 3's (open to all) went to Tony Smale (hole 5), Mark Preston (8), Mick the Grip (10), and Keith Wickham (17).
The Abacus, a decent bottle of red wine, was won by Bob Eyland.
The Best Guest prize went to Mark Preston (32).
Our thanks go to the staff at Altorreal for their contribution to an enjoyable day.
Keep up to date with all SMGS matters by logging on to our website www.smgs.org or simply give Captain Tony Smale a call on 628227687 to find out more about the society and its weekly golf get-togethers. Next week we will be at Vistabella.


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Greetings from the Sorcerer!
Greetings Dear Listners, Thanks again for sticking with us as we venture even further into the minor arcana. The Magician and I hope you enjoy this cast on the sevens in all of their heptatastic glory. As always feel free to send us some stars, just five, that is two less than seven, what a deal! Take care!
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OPEC countries Compared by Health > Survival rate > To age 65 > Men
DEFINITION: Survival to age 65 refers to the percentage of a cohort of newborn infants that would survive to age 65, if subject to current age specific mortality rates.".
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NUTRITION Weight and Menopause
Related Articles
- Move for Happier Hormones. McGinnis, Marianne // Prevention;Dec2008, Vol. 60 Issue 12, p88
The article reports that a Canadian study has found that twenty five minutes of brisk walking a day may help prevent weight gain and headaches related to menopause. The study tracked daily activities of women aged 39 to 82 years who had not menstruated for a year. Fewer active women reported...
- Outsmarting the midlife fat cell. Waterhouse, Debra // Good Housekeeping;Jun98, Vol. 226 Issue 6, p125
Identifies several habits that will help menopausal women minimize weight gain. Regular exercise; Ways to control food cravings; Downsizing meals and upgrading snacking; Eating natural plant sources of estrogens; Drinking water throughout the day.
- Correction. // Washington Jewish Week;1/30/2014, Vol. 50 Issue 5, p17
A correction to the article "Diet Doctor" that was published in previous issue of the periodical is presented.
- Raloxifene increases bone density and lowers LDL. // Modern Medicine;Mar98, Vol. 66 Issue 3, p40
Discusses the abstract of the article `Effects of Raloxifene on Bone Mineral Density, Serum Cholesterol Concentrations, and Uterine Endometrium in Post-Menopausal Women,' by P.D. Delmas, N.H. Bjarnason et al, which appeared in the December 4, 1997 issue of `National English Journal of Medicine.'
- CHANGE YOUR weight fate! Micco, Nicci // Self;Sep2002, Vol. 24 Issue 9, p190
Provides guidelines for women to determine if they have the tendency to be overweight. Correlation between eating habits and weight; Quiz to determine a woman's eating habit.
- Exercise and lumbar spine bone mineral density in postmenopausal women: a meta-analysis of individual patient data. Kelley, George A.; Kelley, Kristi S.; Zhung Vu Tran; Tran, Zung Vu // Journals of Gerontology Series A: Biological Sciences & Medical ;Sep2002, Vol. 57 Issue 9, pM599
Background:Low bone mineral density (BMD) at the lumbar spine is a major public health problem among postmenopausal women. We conducted a meta-analysis of individual patient data (IPD) to examine the effects of exercise on lumbar spine BMD in postmenopausal women. Methods:...
- Clinical Abstracts: women's health. // Modern Medicine;Nov99, Vol. 67 Issue 11, p42
Presents several abstracts on women's health. `Reduction of Vertebral Fracture Risk in Postmenopausal Women With Osteoporosis Treated With Raloxifene: Results From a 3-Year Randomized Clinical Trial,' by B. Ettinger, D. M. Black, et al., from the `Journal of the American Medical Academy' dated...
- Survive hormonal swings in style. Dumain, Teresa // Shape;Apr2014, p144
The article advice to women on managing symptoms associated with hormonal swings and the onset of menopause. Topics including change in menstruation patterns, crankiness, and hot flushes are discussed. In particular, tips including using low-dose oral contraceptives to regulate bleeding, wearing...
- Migraines May Worsen as Menopause Approaches. Preidt, Robert // Tennessee Tribune;1/28/2016, Vol. 27 Issue 4, p8B
The article reports that the frequency of migraines among women increases as they approach the menopausal stage, according to the study co-authored by Dr. Richard Lipton.


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By TAP Staff Blogger
Posted on February 25, 2020
I argue that the value of privacy cannot be determined empirically by examining individual valuations of privacy and cannot be reduced to a monetary figure based on specific transactions. Privacy's value is as a constitutive element in society, not a bartered good in the marketplace. - Daniel Solove in "The Myth of the Privacy Paradox"
The phrase "privacy paradox" refers to an apparent inconsistency between people's stated beliefs about privacy and the actions they take that impact their privacy. George Washington University privacy law expert Daniel Solove explains it this way:
The "privacy paradox" is the phenomenon where people say that they value privacy highly, yet in their behavior relinquish their personal data for very little in exchange or fail to use measures to protect their privacy.
In his recent article, "The Myth of the Privacy Paradox," Professor Solove deconstructs the privacy paradox and the arguments made about it. Further, he examines the policy and regulation implications of the privacy paradox. Finally, Professor Solove provides recommendations for shifting the focus of privacy regulation away from relying on individuals to self-manage and toward regulating the way information is used, maintained, and transferred.
Below are a few excerpts from "The Myth of the Privacy Paradox." The full article is available for download at SSRN.
Debunking the Privacy Paradox
The privacy paradox is a myth. Attitudes and behavior only appear to be in conflict; they actually involve different things. The behavior in the privacy paradox involves people making decisions about risk in very specific contexts. In contrast, people's attitudes about their privacy concerns or how much they value privacy are much more general in nature. The behavior valuation argument generalizes from people's risk decisions involving specific personal data in specific contexts to reach broader conclusions about how people value their own privacy. This generalization is a leap in logic; it does not follow from the behavior in the studies. Moreover, the behavior valuation argument often views people's sharing data with organizations as conflicting with their concerns about privacy. But as I have argued in previous works, "privacy" involves a plurality of different things that extend far beyond just keeping data secret. A person does not surrender all privacy when sharing data with others. Many privacy protections remain in place. The inconsistency in attitudes and behavior turns out to be just a myopic misunderstanding of privacy.
Implications for Policy and Regulation
Although I contend that the privacy paradox isn't a paradox, this doesn't mean that the behavior exhibited in the studies should be ignored or dismissed as irrelevant to privacy regulation. People's behavior generally demonstrates that they are failing to protect their own privacy and are readily sharing their personal data. What conclusions about privacy regulation should follow from people's privacy behavior?
Much privacy regulation attempts to protect privacy by giving people more privacy self-management, which often occurs in the form of granting people more individual rights regarding their personal data, such as a right to opt out of data sharing, a right to notice, a right to delete, and so on.
Providing privacy rights isn't a bad thing. But if the goal of privacy regulation is to protect people from harms that may arise from collecting, maintaining, using, or disclosing their personal data, then the regulation is failing.
The reason for people's failure to manage privacy effectively, I argue, is based on the futility of what I call "privacy self-management." Privacy self-management involves the various decisions people must make about their privacy and the tasks people are given the choice to do regarding their privacy, such as reading privacy policies, opting out, changing privacy settings, and so on. Managing one's privacy is a vast, complex, and never-ending project that does not scale; it becomes virtually impossible to do comprehensively. The best people can do is manage their privacy haphazardly. People can't learn enough about privacy risks to make informed decisions about their privacy. People will never gain sufficient knowledge of the ways in which personal data will be combined, aggregated, and analyzed over the years by thousands of organizations. Resignation is a rational response to the impossibility of privacy self-management.
Regulating the Architecture of the Personal Data Economy
There is a role for privacy regulation that goes beyond relying heavily on privacy self-management. A significant amount of privacy protection can be accomplished beyond merely affording people with notices, rights, and choices. Highly effective privacy regulation focuses on the architecture of the personal data economy -- data collection, use, storage, and transfer.
For example, one component of this architecture involves regulating the transfer of personal data to third parties. Organizations enter into contracts when transferring and receiving personal data to or from other organizations. For mid-size to large organizations, these contracts can number in the hundreds or thousands. The extent to which these contracts protect personal data matters significantly. This vast colony of contracts remains largely unseen by consumers, who are not involved in the drafting or negotiation of them. Privacy regulation can regulate the terms of these contracts.
Privacy regulation can also address the design of products or services by preventing designs that could lead to consumer harm or establishing processes for designers to use to better evaluate the risks new technologies pose.
Additionally, regulation can establish boundaries for data collection and use by preventing them when beyond people's likely expectations or when unfair or potentially harmful. Regulation can ensure for effective data security and can restrict design that is insecure or that creates unwarranted privacy risks.
The purpose of this Article isn't to set forth a detailed recipe for privacy regulation; it is just to point out that there are approaches that go beyond more privacy self-management.
Read the full article: "The Myth of the Privacy Paradox," by Daniel Solove.


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Sep 2, 2019 | By: Sunny Szpak-Holly
This beautiful baby girl and her adorable brother where in the studio a few days ago to capture the ever important newborn baby stage. She was simply amazing and only made a peep at the very end. Now mom can hang more baby photos :)
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