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Real Estate
Advantages and Disadvantages of Refinancing
Refinancing your mortgage is when you get a new mortgage loan out and use the money from the new loan to pay off your old mortgage loan. In some cases refinancing home loan options are a good idea, and in some cases, refinancing your home loan is not such a good idea. Sometimes, refinancing your mortgage may cost you more money in the long run.
Advantages of Refinancing
Disadvantages of Refinancing
When Refinancing is Cheaper
No Cash vs. Cash-Out Refinancing
Refinancing Fees
Costs With a No-Cost Loan
When is a No-Cost Loan Best?
Choosing a Refinancing Lender
Scams in Refinancing
Advantages of Refinancing
When the Federal Reserve is cutting interest rates to try to stimulate the economy, you may be wondering if refinancing your mortgage is a good idea. Refinancing home loan options may help you to save money if you are able to get a lower interest rate. You may be able to switch from an adjustable rate mortgage to a fixed rate mortgage with a similar interest rate.
There are advantages in refinancing your home loan if you are planning on staying where you are, and you are currently unable to make your mortgage payments because your adjustable rate mortgage reset itself at a higher interest rate. In some cases, you may pay more over the course of your loan, but this can balance out with the lower payments. Overall, you will want to make sure that refinancing mortgage options will give you lower payments over the course of your loan, or that the savings with the lower payments enable you to save enough money to make up for the cost of refinancing your mortgage loan.
Shopping around for a low fixed rate mortgage can give you low set payments rather than ones that adjust every few months or years. You may be able to find a "no points, no closing costs" mortgage while you are shopping around for a new mortgage. In this case, you will want to thoroughly check the terms of the new mortgage loan to verify that there are no hidden fees or other issues that can cause problems with your refinance.
Disadvantages of Refinancing
In some cases, the disadvantages of refinancing your home loan outweigh the advantages of refinancing. If you are not planning on staying in your home, then refinancing your mortgage can be a very bad idea. As a general rule, the first few months' payments are directed toward the cost of refinancing your home loan. This can mean that you lose money in refinancing your mortgage.
Another time that refinancing your mortgage would be a disadvantage is if you extend the term of the loan. If your mortgage was originally 15 years and you extended it to 30 years with the refinance, you will pay more over the course of the loan. This may seem like an obvious statement, but it's easy to get blinded by the lower payment without looking at the payments over the course of the loan. Unfortunately, this is what got a lot of people in trouble with the sub-prime mortgage mess that the media is focusing on right now.
In some cases, though you may not be able to afford your current payments, refinancing your mortgage is not an option. This is especially true if the value of your house has gone down, but the amount you owe hasn't gone down proportionately.
When Refinancing is Cheaper
It may be difficult to decide when refinancing your mortgage is a good idea. If your mortgage is less than the current appraised value of your home, you may find refinancing your mortgage to be a good idea when the interest rates are going down.
You may refinance for the same amount of time, but a lower interest rate. This can reduce your monthly payments, which would give you more money short term. You may refinance your loan for a shorter term and a shorter interest rate. In both cases, you will save your interest charges minus any refinancing fees. You will need to use a financing calculator online to sort out if it is worth it for you to refinance to the lower interest rate.
When refinancing your home loan, you may decide to refinance the current balance of your loan for the same amount of time as your original loan yet at a lower interest rate. Though this will reduce your mortgage payments, if you are disciplined, you can save yourself more in the long run by paying the same amount as you were paying on your old mortgage.
No Cash vs. Cash-Out Refinancing
In a no-cash refinancing situation, your new mortgage will be for the amount of your current mortgage plus closing costs. In this case, you can generally borrow up to 95 percent of your house's appraised value. If you are having problems making payments on your current mortgage, this may be the best choice for you.
In refinancing your mortgage, you may borrow more than you currently owe on your house, this is known as cash-out refinancing. With cash-out refinancing, you may be able to borrow up to 75 or 80 percent of the appraised value of your house. The money that is left over from paying off your current mortgage can be used to pay other bills, for example a credit card bill, or your car loan.
There are some major advantages to refinancing your mortgage with a cash-out option. You would normally have a lower interest rate on your new mortgage, so you could pay less over the term of your loan. Unlike credit card payments or car payments, mortgage interest is tax deductible.
However, if you pay off your credit card only to build the balance up again, a cash-out refinance is not a good idea. In this case, a cash-out option will have made more problems for you because you will owe more on your house than you did when you started refinancing your mortgage.
Refinancing Fees
While refinancing your mortgage, points are 1 percent of your new mortgage amount. With a cash-out refinance option, any points you are charged are generally deducted from the extra amount that you receive from refinancing your mortgage.
If you can afford it, and if you are going to stay in your house for more than just another few years, it is a good idea to try to pay the points when you are refinancing your mortgage. Mortgage companies will generally charge 1 point for originating or starting your loan. Additional points may be charged if you are offered an interest rate lower than the current market value for interest rates. This allows the lender to recoup some of the money they lose from a lower interest rate.
Other than points, refinancing your mortgage will include several other costs. Closing costs are the fees that the bank charges to close your loan. An appraisal fee is charged for sending an appraiser to the house and land to give the bank an idea of the current value of your home. The bank or mortgage company will do a title search to verify there are no other claims on the house or land.
Finally, in refinancing your mortgage, the bank may insist on private mortgage insurance (PMI) if the amount of the new mortgage including fees and closing costs is more than 80 percent of the appraised value of your home.
Costs With a No-Cost Loan
Refinancing your mortgage with a no-cost loan can be tricky if you do not ask the right questions. Keep in mind, a no-cost loan may not be entirely what it seems. If you go to a mortgage broker or bank because of an advertised no-cost loan, you will want to talk to the lender regarding what they consider a no-cost loan. A true no-cost loan should mean that the lender covers the settlement costs for your old mortgage and does not charge you any fees to cover their expenses.
A "no cash" loan may mean that the lender is increasing the loan amount to cover all fees, and a "zero fees" loan may mean that the lender does not charge any fees for refinancing your mortgage, but you are responsible for fees to someone else.
Even when you are refinancing your mortgage with a no-cost loan, you will be responsible for some fees. For example, you will be responsible for making sure that your homeowners insurance is paid during the term of the refinance. You will have to pay any transfer taxes, and any interest from the closing day to the first day of the following month. Additionally, you will be responsible for the interest that accrues on your old mortgage from the beginning of the month until the refinance has been completed.
When is a No-Cost Loan Best?
If you are considering refinancing your home loan, you need to ask yourself several questions. First, are you either planning on staying in your home for only another few years? Or do you want to refinance your home loan again in another few years? If the answer is yes to either of these questions, then a no-cost loan is the way to go.
If you are planning on staying in your home for more than another few years, and you are concerned about the interest rate when refinancing your home loan in another few years, you will get a lower interest rate if you pay the refinancing fees when you refinance your home loan.
Choosing a Refinancing Lender
When refinancing your home loan, you want to contact your current mortgage lender last. You may have more problems refinancing with them, as they do not have a vested interest in helping you find a lower interest rate. With a lower interest rate, they earn less money off your mortgage loan. Many lenders know that when you telephone to get the balance due on your loan, you are refinancing your mortgage loan. To keep your business and your money coming in, they will offer to help you with a refinance. Many lenders have a department called a retention department that will contact you to offer to help you with refinancing your mortgage.
When your current lender still owns your mortgage, and you have been making your payments on time, you may not have to refinance your home loan. In some cases, if you are not looking for a cash-out loan, the lender that owns your mortgage may decide to reduce the interest rate on your mortgage without going through the process of refinancing your mortgage.
If your mortgage has been sold to a federal agency, refinancing your mortgage will have to go through their procedures. These agencies have what they call a "streamlined refinancing" procedure. Unfortunately, you may not have as many options when refinancing through these lenders.
Scams in Refinancing
In most cases, refinancing your mortgage will be done through legitimate companies. Recently some predatory lenders have cropped up with a new scam. In most cases, the borrower and a mortgage broker are scamming the lender. Unfortunately, this is not the only type of refinance scam going on out there.
A predatory lender or mortgage broker will contact someone who has purchased a home at a low rate. If the person does not know the terms of their current loan, or if they are strapped for cash, they may fall for the scam.
The predatory lender will offer to refinance the person's mortgage with a cash-out option. This is very tempting for someone who does not have much money and is not accustomed to thinking of the future. If a person or family are used to living paycheck-to-paycheck, when they are offered a large amount in a cash-out refinance, chances are they will accept the refinance. Unfortunately, many who got their house through Habitat for Humanity will fall for this scam. As a general rule, they will look at the proposed lower payment and up front cash offered, and they will not see the balloon payment at the end of the term of the loan.
When refinancing your mortgage, this is why a financial advisor will tell you to read the terms of your refinance carefully.
Regional Articles
Advantages and Disadvantages of Refinancing New York
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Product Features
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Green Drinks Gathering
March 8, 2017 @ 6:30 pm - 9:30 pm
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Join us for a Foodshed Alliance Green Drinks Gathering at the historic Inn at Millrace Pond, Hope NJ.
We gather over the common interest in sustainability, the environment and all things green! It is an opportunity for farmers, producers and those interested in the local food movement in our region to get together in an informal setting to relax, enjoy each other's company and network! Talk shop or not, just get together and have a great time!
Everyone is welcome that is interested in the local food movement and/or home gardening – the drinks aren't "green," just the conversation! It's FREE to get in.
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Why Celebrities Love Their Pets
First Female Secretary of State
Now a professor at Georgetown University's Edmund A. Walsh School of Foreign Service, she also heads a global strategy firm.
"Whenever my father saw that I had to take on something difficult or do something that I might not have confidence about, he would say, 'Strike it.' Coming from Czechoslovakia, he sometimes mixed up English idioms, so that was his version of 'go for it.' To me that meant you have to believe in yourself and go after what you want. When I was growing up and even later in my professional life, women role models were scarce, and so my father was the person who gave me the self-assurance to 'strike it.'"
Economic Revitalization Strategist
The founder of Sustainable South Bronx, a nonprofit dedicated to greening the local environment while creating jobs, she received a MacArthur "genius" grant.
"In 2000, I was running for a city council seat in New York. It was a difficult period politically, and I was on edge all the time. One day, feeling especially desperate and in need of comfort, I called a very smart friend, who suggested that it might not be the right time for me to run. I felt agitated — and very defensive. She said, 'Not now doesn't mean not ever.' That let me calm down and rethink my priorities: Was there a better way to accomplish what I wanted to do? And instead of running for office, I started Sustainable South Bronx. I revisit that advice frequently. When in doubt, I ask myself, Am I biting off more than I can chew? Is there a more strategic approach to the issue? It's a way to gain perspective, to step back and chill."


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Generous staff and customers rounded off a supermarket's year of charitable work by donating gifts, food and money to local good causes.
Trolleys full of food from shoppers at Asda in Dewsbury went to Dewsbury Food Bank, while the store gave enough to two projects to feed 80 homeless people on Christmas Day.
Gifts were also sent to the women's refuge and the children's ward at Dewsbury and District Hospital.
A raffle raised £600, which will be shared by the food bank, children's ward and homeless projects.
General store manager Tom Lax said: "We were overwhelmed with the support we received from our customers and colleagues."
He thanked everyone who contributed, including Dewsbury Rotary Club and social services staff.


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Firefox OS is doing pretty well for itself in emerging markets thanks to its ability to run on low-end hardware that's very affordable. That very reason may be why we probably won't see Firefox OS in the U.S. anytime soon thanks to our desire to own flagship devices. Firefox OS fans will be happy to know then that they can get an authentic Firefox experience on Android without sacrificing their powerful hardware.
Mozilla announced today that it's working together with EverythingMe on a Firefox Launcher for Android. The new launcher will replace your Android homescreen with one that is built around Firefox for Android. That means you get the adaptive app search that's in Firefox OS while still in Android.
Here's what it will look like:
So, what's the advantage of adaptive app search? Here's how Mozilla describes it:
Firefox OS includes an easy-to-use, adaptive app search. Just type a single word, like "sushi," to discover related mobile apps. Some apps can even make use of your location to customize the content they display. You can try out all kinds of apps this way. Find something you really like? Save it to your home screen for easy access. Let's get started!
That same adaptive search will be available on your Android device if you decide to use the new Firefox launcher. Unfortunately, it's not available just yet as Mozilla and EverythingMe are still developing it. The non-profit says it will share more details regarding a beta when development is finished.
Image via Mozilla Blog


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According to a tradition once the people heard the pebbles in the Holy Prophet's hand praising Allah. They could understand the praise of the pebbles, but the praise was such that the human ears were quite unfamiliar with. It was in the pebble's own language, not in any human language. – Imam Khomeini
May Allah make this Eid safe and bring Muslims together in peace.


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The Residency Program at CHI Memorial is a postgraduate year one (PGY1) residency and is designed to prepare pharmacists for advanced level practice at a community-based hospital. Residents, in conjunction with a multidisciplinary healthcare team, are responsible and accountable for the provision and oversight of evidence-based, patient-centered medication related outcomes. Residents develop a strong foundation in pharmacotherapy, operational, and practice management skills. Required and elective rotations include anticoagulation, cardiology, critical care, drug information/drug use policy, hospital pharmacy practice, infectious disease, informatics, internal medicine, nutrition support, pharmacokinetics, pharmacy practice management, and student precepting.
Residency applicants must have a Pharm.D degree from an accredited College of Pharmacy and eligibility for licensure in the state of Tennessee. An on-site interview is required. An application, detailed letter of interest, current curriculum vitae, official transcripts, and three letters of recommendation must be submitted through the Pharmacy Online Residency Centralized Application Service (PhORCAS) website at www.ashp.org/phorcas no later than January 14.
We are not able to provide H1B sponsorship for non-US citizens.
For more information, please contact Karen Babb, Pharm. D. at email@example.com.
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Sharp pain,
And bursting in successions
The pain,
No sign or sigh of relief in sight
An embattling battle
Of a lone ranger
In-situ, endless pangs of pain
The salty sweat;
The haphazard lame kicks;
The apparent sight of exhaustion;
The uncoordinated, inherent solemn oaths:-
Never to expose herself…again;
In such a life-snatching battle.
Wait a minute!
Is that the "messiah"?
He who has taken ages?
To rescue her from death jabs?
But, wait!
Is this pain subsiding?
A cry?
Is that an ululation, a cry?
Is that a 'hurray, bravo' song?
The end of her tribulations?
Or the start of her emphatic smiles & joy?
At the innocent sight of her newborn son?
A bundle of joy,
Coming from the sharpest of pain,
Unfolding the brightest of jewels,
The earth has never excavated,
The gentlest of gentle,
A prize, that dwarfs the 'Nobel Prize'
That is what he is,
My son to me.
- Written by: Virginia Nzioka
This poem can be used for free as long as the name of the author is included and the author is given credit.
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The Role of Microbial Metabolites in Cancer Prevention and Etiology (U01)
The summary for the The Role of Microbial Metabolites in Cancer Prevention and Etiology (U01) grant is detailed below. This summary states who is eligible for the grant, how much grant money will be awarded, current and past deadlines, Catalog of Federal Domestic Assistance (CFDA) numbers, and a sampling of similar government grants. Verify the accuracy of the data FederalGrants.com provides by visiting the webpage noted in the Link to Full Announcement section or by contacting the appropriate person listed as the Grant Announcement Contact. If any section is incomplete, please visit the website for the National Institutes of Health, which is the U.S. government agency offering this grant.
The Role of Microbial Metabolites in Cancer Prevention and Etiology (U01): This Funding Opportunity Announcement (FOA) issued by the National Cancer Institute (NCI), and the National Center for Complementary and Alternative Medicine, (NCCAM), at the National Institutes of Health, encourages the submission of grant applications that characterize the effects of microbially generated metabolites of dietary components on host cell biology. Specifically, this FOA seeks to characterize microbially generated metabolites and better understand their molecular mechanisms of action that affect host cell proliferative/apoptotic responses, cytokine production, inflammatory and immunomodulatory effects. This FOA will also encourage the conduct of human intervention studies that identify inter-individual variability among various racial and ethnic groups in the production of bacterial metabolites and determine their efficacy in cancer prevention. This research is necessary to better understand the role of dietary components in cancer etiology, prevention, and cancer health disparities to identify who might benefit from specific dietary recommendations and who might be placed at risk. One of the goals of this program will be to facilitate interdisciplinary collaborations among scientists engaged in nutrition, cancer prevention, cancer cell biology research, and cancer disparities research with those conducting studies with gut microorganisms. All applications must include multiple principle investigators with different areas of expertise such as microbiology, nutrition, cancer biology, analytical chemistry, or genetics. In addition, all investigators will be required to attend annual meetings with NIH personnel. Investigators may use either clinical or preclinical approaches.
|Federal Grant Title:
|The Role of Microbial Metabolites in Cancer Prevention and Etiology (U01)
|Federal Agency Name:
|National Institutes of Health
|Grant Categories:
|Education Health
|Type of Opportunity:
|Funding Opportunity Number:
|Type of Funding:
|Cooperative Agreement
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|CFDA Descriptions:
|Research and Training in Complementary and Alternative Medicine
|Current Application Deadline:
|Nov 15, 2012
|Original Application Deadline:
|Nov 15, 2012
|Posted Date:
|Mar 15, 2011
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|Mar 15, 2011
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|Dec 16, 2012
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- Applicants Eligible for this Grant
- State governments - Public and State controlled institutions of higher education - Nonprofits having a 501(c)(3) status with the IRS, other than institutions of higher education - Nonprofits that do not have a 501(c)(3) status with the IRS, other than institutions of higher education - Private institutions of higher education - For profit organizations other than small businesses - Small businesses - Others (see text field entitled "Additional Information on Eligibility" for clarification)
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- Other Eligible Applicants include the following: Alaska Native and Native Hawaiian Serving Institutions; Eligible Agencies of the Federal Government; Hispanic-serving Institutions; Historically Black Colleges and Universities (HBCUs); Non-domestic (non-U.S.) Entities (Foreign Organizations); Regional Organizations; Tribally Controlled Colleges and Universities (TCCUs) ; U.S. Territory or Possession; Foreign (non-U.S.) components on applications submitted by U.S. Organizations are allowed.
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If you have any problems linking to this funding announcement, please contact the NIH OER Webmaster [firstname.lastname@example.com]
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- • Clinical Coordinating Center for NCCIH Multi-Site Investigator-Initiated Clinical Trials o...
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- • Methods Development in Natural Products Chemistry (R43/R44 Clinical Trial Not Allowed)
- • Methods Development in Natural Products Chemistry (R41/R42 Clinical Trial Not Allowed)
- • Discovery and Biological Signatures of Diet Derived Microbial Metabolites (R01 Clinical Tr...
- • Probiotics for Pediatric Illnesses
- • Cam Practitioner Research Education Project Grant Partnership
- • Complementary and Alternative Medicine Career Transition Award (K22)
- More Grants from the National Institutes of Health
- • Ruth L. Kirschstein National Research Service Award (NRSA) Individual Postdoctoral Fellows...
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- • Ruth L. Kirschstein National Research Service Award (NRSA) Individual Fellowship for Stude...
- • National Research Mentoring Network (NRMN) Coordination Center (U24 - Clinical Trial Not A...
- • National Research Mentoring Network (NRMN) Resource Center (U24 - Clinical Trial Not Allow...


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Similar to About.me, a service that lets you to setup personal web page or splash pages which are very simple and visually elegant that points to other social sites. So, similar to About.me today we have a beautiful free service that allows us to create simple personal web page in minutes.
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With Clapps.me you can customize the page with patterns, textures, fonts & colors, organize your links and social network profiles. Let's check out the steps that you need to create a successful personal web page using Clapps.me
To start with, simple enter your email ID and desired username. The username which you select will append the url Clapps.me/username. So select it carefully. Once you're done with it, now enter your name, bio and upload your display picture.
Now you can select patterns, background image, fonts, text, etc. You can customize your personal page in three different modes. The standard mode, the .me mode and the +5 mode. You can also add analytics, twitter, instaground, mangator. If you want to add blog URL's you can add them using links option.
Apart from linking social accounts, you can add upto 5 pages in your clapps.me account. Check out the demo video below to understand better :
| For a limited time I'm sharing some select Tips and Tricks and How-To Guides for FREE.


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Cardiff 02920 470506
Worried about keeping your valuables safe at home? According to figures from the Association of British Insurers (ABI), insurers paid out an average of £8.1m per day in domestic property claims in 2015, of which theft was the third most common type. Furthermore, the value of gold soared by 16% at the start of 2016, inflating the worth of certain items and making them even more desirable in the eyes of criminals.
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text: On Sat, Feb 25, 2012 at 04:50:54PM +0100, Martin Husemann wrote: > On Sat, Feb 25, 2012 at 04:15:27PM +0100, Manuel Bouyer wrote: > > The problem is that there's no good source of entropy on a Xen domU. > > This does not only happen on domUs, I see lots of it in normal operation > (though I think only with DEBUG kernels). If Xen is shipping DEBUG kernels by default, I think that is what should be fixed. I do not support making the message even longer and more obtrusive, nor do I support removing it. Thor


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I have regrets for today to handle some personal issues. I'll be back in full work mode next week. Kelly -----Original Message----- From: email@example.com [mailto:firstname.lastname@example.com] On Behalf Of Jim Allan Sent: Monday, January 21, 2008 2:22 PM To: 'Jim Allan'; 'WAI-ua' Subject: RE: User Agent Teleconference for January 24, 2008 W3C User Agent Teleconference for January 10, 2008 ------------------------------------------------------------ Chair: Jim Allan Date: Thursday, January 24, 2008 Time: 1:00-2:00 pm Boston Local Time, USA (18:00-19:00 UTC/GMT) Call-in: Zakim bridge at: +1-617-761-6200, code 82941# for UK use 44-117.270-6152 IRC: sever: irc.w3.org, port: 6665, channel: #ua. ------------------------------------------------------------- Regrets: Agenda: 0. Regrets, agenda requests, or comments to the list 1. Work on GL 10 http://www.w3.org/WAI/UA/2007/WD-UAAG20-20071107/WD-UAAG20-20071107.html We currently have no issues on this guideline. Is it ok as it stands? Please review with a critical eye. Comments, proposals to the list for discussion on Thursday. Jim Allan, Webmaster & Statewide Technical Support Specialist Texas School for the Blind and Visually Impaired 1100 W. 45th St., Austin, Texas 78756 voice 512.206.9315 fax: 512.206.9264 http://www.tsbvi.edu/ >>> Share to Win! <<<Received on Thursday, 24 January 2008 17:08:11 UTC
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text: In partnership with the Atlanta Street Food Coalition, Underground Atlanta has welcomed the popular Food Truck program on Wednesday's. A variety of Food Trucks will roll onto Upper Alabama Street to serve downtown office workers, students and residents their popular specialty eats and treats! For weekly listings of Food Truck Wednesday at Underground Atlanta participants, follow Underground Atlanta and Atlanta Street Food Coalition on Facebook and @undergroundatl on Twitter.


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Money Matters – Is It Time To Talk?
Most of us don't like talking about money. Our financial circumstances are private to us and, unless we apply for a loan or a credit card, it is nobody's business how much money we have or how we spend it. Within a family, discussing money matters often spells trouble – it usually happens when we realise we can't quite afford what we wanted to buy or our bank balance is less than we though it was… Put it simply, we only tend to talk about money when there is a particular reason or problem we need to sort out…. This is probably why discussing finances is one of the most common reasons for arguments between couples and within families – we don't start talking about money until it becomes an issue.
When is a good time to talk about money?
There is no particular 'right' answer to this question, other than probably 'the sooner the better'. The most logical approach would be, say, at least once a month, or weekly, about the time money comes in. It does not have to be a lengthy discussion – a sort of 'are we on track?' reality check would suffice: How much do we have? How much is coming in? What is the bare minimum we need to spend? How much we are actually spending?
Should we talk to children about money, too?
I believe, we ought to. Funny enough, we probably talk to children about money more often than to our partners or spouses. How often have you said to your child/children: 'I can't buy this right now', or 'I have no money', 'it's too expensive', or 'money doesn't grow on trees, you know…'?
The problem is, that's where the conversation usually ends. The children get told they can't have what they want and probably at least some of them come to a conclusion that they have particularly mean parents, because ALL of their friends (warning: massive exaggeration) already have that particular game, toy etc.
Children seem to accept that money 'doesn't grow on trees' (they would have seen one of those trees at some point, wouldn't they), but how many children do actually understand what that means?
It should be obvious, shouldn't it?
Perhaps, but I don't believe it is. From a child's perspective, parents just have money, or at least they are supposed to. This is how things are. Why should a child worry about where the money comes from? So unless we explain to our children that we go to work to be able to pay the bills ('what are bills, mummy?') and buy some of the nice things they would like to have, they are usually blissfully unaware.
The answers will clearly depend on a child's age, but try asking him/her: 'Why do you think I go to work every day?' and see how much detail you get back as an answer. The majority will probably say, 'Because we need money', but will they be able to explain why the money is needed?
Where has all the money gone?
There is a perpetual question of 'Where is my money gone?'. Try giving a child some pocket-money and the majority will spend it before they know it. They will then either get upset that they lost it, or start accusing their sibling of removing it secretly from their wallet, piggy bank, special jar etc.
It is vitally important that we teach the children how to look after their money. We can't just give them a few coins or a note saying: 'There, be careful how you spend it!' and assume it will all be fine. It won't be, until we teach them what it means to spend money carefully.
I hate 'pocket-money toys' lurking around supermarkets.
I think they are a devious invention intended to drive parents insane. I remember having to explain – endless times – to my children that I was not going to buy a particular silly toy which was 'only £1, mummy' because £1 was not such a trivial amount. Two £1 silly toys would cost £2; a year or so ago, this was how much I was paying for my children's school dinners, per meal per person. So, if I bought this or that 'just £1' toy often enough, this could easily be equivalent to a week-worth of school dinners. This is what I was explaining to my boys during our weekly supermarket shopping trips.
Another thing that irritates me is children's magazines. No, I am not a witch denying my children all joys of childhood, but these things are so expensive! You can easily buy a very decent children's book (we love books) for the price of two magazines. And all the added 'free gifts' that come with the kids' monthlies usually end up in a bin within a day or two anyway.
Not all children relate to numbers with ease.
The value of money is very abstract to children, unless they can attach it to something meaningful that they can relate to. So, from translating the cost of 'pocket-money toys' or expensive snacks into a number of days they would have to forgo their lunch if they insisted on me buying them, I moved onto talking about things such as e.g. a pair of football boots they wanted in terms of quantities of various small-price items that would add up to the price of the said boots.
Even if I had all the money in the world, I would still want my children to be able to understand relative value of various things and make choices. Is it going to be a few ice-creams, a children's magazine, a yo-yo and some other gadget, or a pair of new football boots next month? It is surprising how all those 'small-price' items can add up very quickly to significant amounts.
Where am I going with this?
I am convinced that teaching children about money is crucial – and the earlier, the better. What I have realised, though, is that – as the children get older – my 'money talks' with them are not enough. The boys keep whatever birthday money they get in their wallets and regardless of their nodding in agreement when I explain how to spend it wisely, sooner or later the inevitable comes and one of them panics that a big chunk of his money has disappeared.
I do admit borrowing a note once when I forgot to go to a cash point and didn't have enough to pay the window cleaner, but otherwise there are no money-snatching trolls in our house. It's just that spending money on ice-cream or sweets is not something that children tend to remember very long.
Here comes Qwiddle…
One of my recent posts about paying children for doing household chores stirred a bit of a discussion on Twitter and in the middle of the debate popped up Qwiddle. I had never heard of it before, so got intrigued and discovered that it is a free, online 'piggy bank' or 'electronic wallet/purse' for children, based on PayPal platform. 'Online money management for young people' as they put it, it is intended to help children learn about money, while parents remain in control, and to promote the idea that parents and children should talk about money on a regular basis.
From a quick look at their website, it sounds like a good idea, so I think I may take Qwiddle for a test-drive… Look out for my next posts, I will be reporting on my first impressions of Qwiddle soon. And before you ask – no, I do not work for Qwiddle and have not been offered anything for checking it out. I simply liked what I saw and decided to find out more.


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Monday, August 13, 2012
Just before the rain Friday morning, few butterflies were on the wing in the butterfly garden, but the gray skies evened out the light so the flowers looked wonderful. The small Mimosa strigillosa flowers were perfectly beautiful. This is a mat-forming legume that is a great groundcover candidate, and it may be a host for the Little Yellow butterfly, Eurema lisa. I've planted some in a sunny part of our yard, with the hope that it will creep across the mulch and snuff out any remaining nut grass. The flowers are little round puffs of pink/lavender stamens each topped with a golden drop of pollen. Because it is a legume, this mimosa (its common name is sunshine mimosa) captures nitrogen and enriches the soil. And, like Mimosa pudica or the sensitive plant, the leaves fold when touched, as when it rains.
You may be interested in...


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Expert on Anita Dark? She needs your help. Add biography, facts, photos, videos along with any other details about Anita Dark, like tattoos, hook-ups or relationships.
- Birthday
- 1975-04-11
- Nickname
- Anita P. Anita Pansy Sonia Berger Sonia Be
- Birthname
- Anita Perger
- Sign
- Aries
- Hometown
- Budapest Hungary
- Country
- Hungary
- Ethnicity
- White
- Height
- 5'7"
- Weight
- 110
- Job
- Pornographic Actress
- Hobbies
- Id destroy her asshole
- Assets
- Long Legs Gorgeous Face Lean Exquisite Torso Alluring Eyes Bald Pussy Loves Giving Blowjobs Completely Shaven Does Black Guys Loves Cum On Her Face Gives Titwanks Does DP Airtight Natural 34DD Tits
- Vices
- Huge Black Cocks
Anita Dark began her adult film career in 1996 at approximately twenty-one years of age. Dark has been featured in over 88 adult films and counting. This Hungarian beauty is the former Miss Budapest 1994.
Buy Jewellery box wood "Anita" dark brown. ~ beauvioletfivemall Model "Anita" in dark wood. We love its vast storage space for gourmet jewels! Dimensions: 32x21x20 cm (12. 60''x8. 27''x7. 87''). Delivered in a beautiful gift box! New! All our boxes are customizable jewels with a decorative ...
Ms. Ethel Kennedy, Peter Riegert, Morgan Lily, Johnny Messner, Anita Ms. Ethel Kennedy, Peter Riegert, Morgan Lily, Johnny Messner, Anita Dark, John Milius, Gabrielle Boni, Annalaina Marks and Ms. Louise Lasser. Happy Birthday guys. God bless. PS:Also, Happy Easter. Same to your family ...


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ADP-0241-05A - Installation Instructions
Installation instructions - Printer friendly (pdf)
ADP-0241-05A - Information Page
Installation Instructions for HMI HOYME Adaptor 0241- 05A
24Vac Controlled Voltage - Switches 24Vac/ 120Vac
Refer also to HOYME Installation Instructions: Combustion Air Control Damper, Series HOM; Replacement/Ventilation Air Control Damper, Series HAC; and Adaptor ADP- 1101- 05A.
4" x 5" x 2 1/2" (101 x 127 x 64 mm)
This Relay Adaptor may be used as an automatic switch having a 24Vac Coil and 120Vac points to control a line voltage circuit for up to a 5 amp draw such as a 120Vac exhaust fan. It can also be used 100% for 24Vac switching. (See wire diagrams on next page.)
A typical application where all the points are used for 24Vac switching may occur when dry points are used at the exhaust fan switch. When the exhaust fan switch is turned on, the furnace fan and the fresh air damper, if used, will open simultaneously. The fresh air damper, however, will not open for furnace firing.
If the damper is required to open when the appliance fires:
a) Refer to wiring diagram (next page) showing the Power Close Damper with Relay;
- or -
b) Use a regular fresh air damper with an ADP-0242-05A and follow its Installation Instructions;
- or -
c) If controlled line voltage is available from the exhaust fan, use Adaptor ADP-1102-TWP and follow its installation instructions.
Fitness of this Adaptor/Damper combination to satisfy air supply requirements for fuel fired appliances during operation of the
Inter-connected exhaust fan(s) shall be investigated by the enforcing authorities.
Air intake duct installation shall be in accordance with: In Canada - CAN/CSA B149 & B139; In the USA – ANSI/NFPA 54, 2006, ANSI Z223.1 and/or local codes including local codes relating to ventilation air duct installation.
I.D.: ADP-0241-05A; comes with one Relay,
DPDT-Coil-24Vac. Pts-24Vac & 120Vac - 5 Amps.
- One adaptor is required for each heating appliance.
- Adaptor line voltage leads, connected to the appliance shall be suitably cabled, fastened and enclosed in suitable raceways.
- Refer to local and applicable codes.
- If an auxiliary transformer is required, use an approved 24Vac transformer of adequate capacity.
- Supply for the transformer primary shall be taken from the line voltage supply of the appliance. Refer to applicable codes.
- Always conduct a thorough check-out after installation is complete.
- Affix appropriate labels and follow instructions and warnings on each label.
1. Install motorized air control damper as per instructions supplied with it. Satisfactory operation of the damper is recommended before interconnecting Adaptor.
2. Turn off electrical power supply to the appliance.
3. Connect Adaptor line voltage leads to fan motor circuit as per wiring diagram and applicable codes.
4. Connect 24Vac Damper terminal wires to appropriate Adaptor, transformer and control switches. (See damper wiring diagram for proper circuit.)
5. Turn on electrical power to 24Vac transformer. If damper is a Power Open type, it will remain closed at this time. If damper is a Power Close type, it will close at this time.
6. Turn on selected switches at least 3 times to verify the intended operation of selected circuits.
Note: This marking is also on the cover of the Adaptor unit as well as on a label to be placed next to the wiring diagram of the appliance.
Schematic Wire Diagram of ADP-0241-05A Activated by an Exhaust Fan Auxiliary Relay Switch To Control a Furnace Re-circulating Fan and a Fresh Air Damper.
Damper remains closed during furnace firing.
(See 'Notes' for alternatives)
Suggestion: Use fresh air damper HAC-0X10-OPO/PC.
X = Diameter of damper,
PO= Power Open,
PC= Power Close.
Schematic Wire Diagram of ADP-0241-05A Activated by an Exhaust Fan Auxiliary Relay Switch and/or Thermostat Controlling a Furnace Re-circulating Fan, and a Power Close Fresh Air Damper with Relay. Damper also opens during furnace firing.
Suggestion: Use Fresh Air Damper with Relay
HAC – 0X11 – OPC where
X = Diameter of Damper,
1 = Relay,
PC = Power Close
Note: For PC damper only, a toggle switch in series with 24Vac electrical supply line to the Damper will cause it to open as required.
* Note: For PC damper without relay and if adding a Combustion Air Damper, re-connect Fresh Air Damper from furnace 'C' to Green wire of the Combustion Air Damper. Both dampers will open during firing of the furnace.
* Note: If existing ventilation relay (auxiliary relay switch) cannot be located, relay wires presently connected to 'R' and 'G' of the furnace are to be re-connected to '3' of ADP and 'C' of the furnace. ADP 'WHT' will then go to 'GF' of the furnace and ADP 'RED' will go to 'GT' of the thermostat, (if used).
See wiring diagrams.
HMI HOYME Manufacturing Inc. 1-800-661-7382 www.hoyme.com
Installation instructions - Printer friendly (pdf)
ADP-0241-05A - Information Page
Last Updated (Friday, 01 April 2016 10:46)


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Northwest Wall & Ceiling Contractors Association
Member Login
— Main Menu —
Carpenter Training Program
Current Members
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Carpenter Training Program
Current Members
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Since 1984, NWCCA has been an integral part of the wall and ceiling industry in western Washington.
NWCCA Member Benefits
Labor relations
Union contract negotiations
Safety program assistance
A drug-free workplace program
Member Contractors
Our members work predominantly in the commercial segment construction.
High-quality Standards
Our members install light gauge and structural metal framing, drywall, lath and plaster, exterior insulation and finish systems, fireproofing, acoustical ceilings, access floors and offer many other specialty products and services.
Extended Membership
NWCCA membership includes membership in the regional Northwest Wall & Ceiling Bureau (NWCB) and the national Associated Wall & Ceiling Industries (AWCI).
Contact Us
2825 Eastlake Avenue E
Suite 350
Seattle, WA 98102
(206) 524-4779
Current Members
current members
represent the best of wall and ceiling contractors in western Washington.
Related Associations
Learn about
related associations
serving the needs of companies like those of our members.
About Us
The Northwest Wall & Ceiling Contractors Association has been an integral part of the wall and ceiling industry in western Washington since 1984.
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Welcome New
Executive Director
Ray M. Baca
read more>
What our members have to say...
As a member of the NWCCA since its formation, I have experienced the association's evolution into a valuable asset to both contractors collectively and to our company individually. I highly recommend that any forward-thinking wall and ceiling contractor consider joining and participating in the Association's efforts to work for the betterment of our industry.
Morris Mehrer
, President, J. J. Jefferson & Son Inc.
The NWCCA has evolved into a significant asset to the construction industry. The Association is an industry leader in handling changing and progressive labor relations and in the education of not only their members but member's employees. As a
staunch promoter of technical aspects of the industry and quality construction efforts, NWCCA brings a sense of quality and pride to the industry.
© Northwest Wall & Ceiling Contractors Association


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The trailer of Vikram's I , which is expected to be released today(Dec 17) will make it to most of the theatres in North India along with Aamir Khan's upcoming movie PK. The makers of I are planning to release the trailer worldwide on December 19th and looks like the deal has been fixed to showcase it before the beginning and during the interval of PK.
By attaching the much awaited trailer of I with Aamir's movie which is set to be released this Friday(Dec 19), the producers of I are hoping that the movie would heighten its expectation level among the North Indian crowd.
Whether or not it would be played twice during Aamir khan's movie is still not clear however, sources have confirmed that movie buffs who walk in to watch PK will also manage to catch I 's trailer.
Meanwhile, fans have already expressed their disappointment as the makers of I are taking their own time to release the trailer after postponing the movie several times. The much anticipated trailer was initially planned to release yesterday(Dec 16) evening but has not surfaced yet.
Fans have taken to social networking sites like facebook and twitter to express their eagerness and at the same time disappointment as they have been waiting to catch a glimpse of the movie from a very long time. On producer Aascar Ravichandran's facebook page a fan has written, "are you planning to release the trailer for next Diwali?" Another fan has suggested the makers not to postpone the movie like they have done as it would reduce the expectations the film has created.
Also Read: Chiyaan Vikram Is More Important Than A Director!


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Natural family planning is taught in a three-month series by the Couple to Couple League beginning
Oct 9, 2016 Founders Hall 12:00. The method taught, the Sympto-Thermal Method, is safe and highly effective. Please contact
Mark and Jennifer Morris at 810-714-4953 for information about classes.
Want to follow the Church's teachings and get off of the Pill? Learn Natural Family Planning with the
Couple to Couple League www.ccli.org.
Dates for 2017,
Class 1: Jan 8, Feb 5, Mar 5;
Class 2: April 2, May 7, June 4;
Class 3: Oct 1, Nov 5, Dec 3.
All classes start a 12:00 In the founders hall St. Johns Fenton.
Go to www.ccli.org to register.


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BMW's second gasoline-electric vehicle line, the 2011 ActiveHybrid 7 sedans, will go on sale this spring with starting prices of $103,125 (including freight) for the regular-length 7 model, and $107,025 for the long-wheelbase version, the 7L, the German luxury automaker says.
As with the $100,000-plus Lexus LS 600h, against which the ActiveHybrid 7 models will compete, the hybrid system in the BMW models is designed to enhance performance more than to boost fuel economy.
These sedans follow the introduction in December of BMW's first hybrid, the 2010 ActiveHybrid X6. It's a version of BMW's X6 "sports activity coupe," which actually is a five-door sport utility vehicle with the low profile of a coupe.
The ActiveHybrid X6, which begins at $89,725 (with freight), features a 4.4-liter, 400-horsepower twin-turbocharged V-8 gasoline engine and a pair of electric motors, giving it a combined 480 horsepower rating. It comes with a seven-speed automatic transmission. BMW bills it as the most powerful hybrid vehicle on the market.
ActiveHybrid 7 sedans come with an upgraded version of the 4.4-liter twin-turbo V-8, rated at 440 horsepower by itself. It's combined with a single electric motor that boosts total horsepower to 455. An eight-speed automatic transmission is used in the sedans.
The hybrid models are built on the same body as the newest generation of the 7-series sedans, introduced for 2009, and are designed to give the ultimate driving experience for which BMW is well-known.
Top speed will be limited to 150 mpg, while the zero-to-60 mph time will be 4.7 seconds, BMW says. That compares with a limited top speed of 130 mph for the ActiveHybrid X6 and a zero-to-60 mpg time of 5.4 seconds.
Fuel economy for the ActiveHybrid X6 is officially 17 mpg city/19 highway, which is about 20 percent better than the gasoline-only X6.
No EPA ratings have been released yet for the ActiveHybrid 7, but BMW says it will have up to 17 percent better mileage than the 2010 750i sedan, which is rated at 15 city/22 highway using the 400-horsepower version of the 4.4-liter gasoline engine and a six-speed automatic.
The hybrid drivetrain used in the X6 model is a two-mode system that General Motors, BMW, Mercedes-Benz and Chrysler developed together to compete against the Toyota/Lexus system. It's able to propel the X6 on electric power only at speeds up to 37 mpg. The two electric motors are rated at 91 and 86 horsepower, respectively.
But the ActiveHybrid 7 is a simpler system with only a single, 20-horsepower electric motor, and it's not designed to drive on electric power alone. It was developed in partnership with German luxury rival Mercedes.
As with other hybrids, the sedans' system does automatically stop and restart the gasoline engine when the vehicle pauses at a traffic signal, for instance, and it's able to keep the air conditioning and other features operating even with the engine stopped.
While the X6's electric motors get their power from a nickel-metal-hydride battery pack, the 7 sedans use a lithium-ion battery.
In both, the batteries are recharged by a combination of the gasoline engine and regenerative braking, which uses the car's inertia while slowing down to generate electricity (temporarily converting the electric motor into a generator).
As befitting the flagship 7-series sedan line, the ActiveHybrid 7 has a long list of luxury features.
Among them are 19-inch wheels and tires, an Alcantara headliner, leather dashboard, ventilated active front seats and a premium audio system. Other standard features include a head-up display on the windshield in front of the driver, a rearview camera, soft-close doors and an automatic-closing trunk.
Options include a Driver Assistance Package, BMW Night Vision and Rear Seat Entertainment Package.
With the limousinelike ActiveHybrid 7L model — which has a wheelbase that is 5.5 inches longer than the regular model — a Luxury Rear Seating Package is available. This is a vehicle that is meant to be driven by a chauffeur, with the passengers riding in style in the living-room-like rear seating area.
The hybrid system includes special displays that monitor the efficiency of the hybrid components.
Special cues on the ActiveHybrid 7 that distinguish it from the gasoline-only 750i sedan include the aerodynamic 10-spoke light-alloy wheels, along with hybrid badges. A unique exterior color also is available — Bluewater Metallic.
The car also comes with run-flat tires, which can be driven at speeds of up to 50 mph for as far as 150 miles after losing all air pressure, BMW says.
The automotive columns of G. Chambers Williams III appear Friday, Saturday and Sunday in the Express-News Drive section. Contact him at (210) 250-3236; email@example.com.


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The mid eighties is when rap reached its peak and was termed the "Golden Era of Rap." This period created a music and business scene that was unstoppable and raised concern among U.S. adults.
Rap starts getting more popular and spreading around the U.S. when its irresistible tune gets stuck in peoples heads and they just can't get enough. The Golden Era of Rap began in 1984 when most of the rappers were popular enough to go on tour. From 1986 to 1989 the rap business grows quickly, spreading across the United States.
As rap kept growing, adults realized there was use of explicit language and they watched it closely, not wanting it to influence children and teens. The parental concern was not enough to stop the growth of this popular culture.
Rap became more popular and it created new generations of artists who became businessmen. These businessmen started their own record companies and had the power to sign artists and determine how much money they would make. Rap continued to gain in popularity during this Golden Era even though bad language and violence were some of its features and artists continued to dominate the music and social scenes.
Hip hop artists sport golden chains, live in Hollywood mansions and make their own brand of head phones. Read on to find how they got there and how long they'll stay!
Work Cited
Hip-hop was first born in the mid nineteen seventies around New York. It was inhabited by a large segment of lower class African-Americans and was used for entertainment when they had nothing to do. Dancing, DJing and grafetti kept these kids busy and out of trouble.
Hip-hop has many different features, it is not just music. Some things hip hop covers is rap, DJing, graffiti, and even B-boying or break dancing. In New York, the hip-hop trend starts gaining momentum because new hip-hop artists are creating new hits. Rappers start producing better improved songs that send chills down your spine such as the Shugarhill Gang's hit "Rappers Delight." Hip-hop comes in many different forms and genres.
The Roots of Hip-Hop
Hip-Hop Microphone: http://cdn8.staztic.com/app/a/1042/1042965/hip-hop-and-rap-radio-android-4-2-s-307x512.jpg
Baker, Soren. The History of Hip-Hop and Rap. Detroit: Lucent, 2006. Print.
The Golden Era of Rap
There are many different types of rap. Once the Golden Era of rap stopped gaining momentum, a new types of rap emerged. Gangster rap, battle rap, and crunk are three of the most popular U.S. genres.
This new style was called "Gangster Rap" it was a more explicit form of music. Gangster Rap has a lot of violent lyrics that make you flinch. For example, Melle Mel's song "The Message" makes you want to cover your ears because of the dirty lyrics. Recently, this type of rap has come under fire for its violent themes.
Battle rap began when rappers starting to compete for hit songs. A battle rap is when one rapper insults another while making himself look good. This prompts a competition between different groups within the music industry as groups are trying to maintain popularity.
Crunk began in the dance clubs and has a loud, heavy beat. These songs are high pitched and drum heavy with catchy lyrics. Crunk stands for "crazy and drunk."
Rap has many different genres and continues to show up in mainstream culture. In spite of its bad language and violent themes, it has shown that if artists have something good to say, people will listen.
Hip-hop is now a hit around the world, everybody loves it. Even though hip-hop was born in the U.S it has now spread around the world.
You will find it in places like Brazil, Cuba, New Zeland, and even as far as China.
The reason hip-hop spread so quickly is because of its ability to speak to people with words and rhythm. In different countries hip-hop sounds very different. For example in Romania there are lots of deep bass sounds, while in Belgium there are lots of piano sounds and the music is almost jazzy.
The pounding beats, freedom of expression and creative rhyms are all reasons for rap's popularity worldwide. No matter where you live or how old you are, rap has something for everyone.
It's a Hip Hop Planet
Forms Of Rap
In this prezi, we discovered where and when U.S. hip hop began, how it grew and expanded into different genres, and became a worldwide hit. Now there is only one thing left to do, go grab your dance shoes and hat and... freestyle to a song of your choice maybe "Berzerk" by Eminem or even "Rapper's Delight" by The Shugarhill Gang. Remember, it's a hip hop planet, and hip hop is here to stay.
Hip Hop History
By William Murden
Rappers and their hip hop, took the nation by storm in the early 1980s. Find out where and how hip hop began, how it reached its peak of popularity, its various forms, and how it became a world renowned form of music.
Hip hop today has a huge pull on our society. This form of music, influences the way people speak, dress, and act. The purpose of this prezi is to inform readers about how the popularity of hip hop has molded our culture.
hip hop digital image Thyblackman.com N.p., n.d. Web. http.thyblackman.com http:thyblackman.com/2013/03/15
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Paying it Forward in 2013 with Coca-Cola + Giveaway
Giving back to our community is a part of being a frugalista to me. One of the things I miss the most about my "coupon days" is when I would have a plethora of extras in my stockpile and I could give it away. I know how important it is to have that helping hand. Before our twins were born things were tight. The well was completely empty. And if you haven't had your well completely dry, things can get pretty bleak. As my quickly growing belly grew leaps and bounds, finding the perfect outfit was too. Purchasing cutesy maternity clothes wasn't optional (so wish I had the resources I have now, then). After hearing my silent cry via the phone one day, my sister sent me a package of bras in the mail.
You would not think that something as simple as a bra could bring such joy to my spirit but it did. Such a small gesture but life altering. Truly, it was.
When I had the opportunity to talk with David Oliver after I won the Coca-Cola giveaway over at the MomFiles.com (yay for me!!) It was great to see all that Coca-Cola does to support communities and bring them together – love that!
This will be Coca-Cola's second year and I'm happy to be apart of sharing the deets and an opportunity to nominate an aspiring youth you know between the ages of 16-21 from now through March 2nd. The Prize? They'll will an apprentice experience and you can nominate up to five young people (the young person can also nominate himself/herself) and be entered for a chance to win a $5,000 sweepstakes with each nomination!
Four lucky nominees will be rewarded with the unique and exciting opportunity for an apprenticeship experience with one of the country's most respected celebrity history makers: business mogul Magic Johnson; chairman and CEO of BET Networks, Debra Lee; or hip hop artist and philanthropist, Common. SHWEET!!!
Parents, relatives, friends and mentors can nominate aspiring youth between the ages of 16-21, now through March 2nd for a chance to win the apprentice experience.
Each prize pack includes:
- $100 Amex card to help you and your family "Pay It Forward" in the New Year
- Coca-Cola "Pay It Forward" journal
- Coca-Cola "Pay-It-Forward" t-shirt
Now….share, enter and good luck!
*disclosure: Big Kudos to Coca Cola for granting me this prize pack so that I may share information about this great program, the Pay It Forward program. To read my complete disclosure policy, please click here.
For more chances to win, enter also over at MomFiles.com's site!


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Our PurposeDetails
- Details
- Category: Our Purpose
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What purposes
What plan
the jester thought
what plan could there be
Knowledge is but a mirror
reflecting all you have learned
all you have done
and all you have seen
It has no desire, nor thought
nor will to be
It's just sort of a reference book
or an Atlas, or an almanac
or a how-to magazine.
A plan
the jester thought
what plan could there be?
* * 2 * *
Thrice wrought is the mind
to formulate a thought
of what must be done
a purposes, or goal
a strategy, or plan
and then the deed or the action
For many a good deed has been foiled
by the lack of plan;
many a plan, by the lack of direction
and nought has come
by the deed not done
by one's best of intentions.
* * * 3 * * *
I walked on cobble stones
of blood and grief
of poverty and crime
of prejudice and ill intentions
looking to find in this now deserted place
a wooden bench
or a roadside seat
to comfort my aching bones
and let rest to my weary feet.
I would close my eyes
dream of mountain streams
or just of children in a park
with slides, and monkey bars and swings
I would feed the swans and ducks
or doves that happened by
With breadcrumbs I brought for them.
And then I would open my eyes
and continue to search for such crumbs
should I ever need them.


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Public Education Initiatives of World Psychiatric Association
In most countries where trained mental health professionals are woefully inadequate, public perceptions and attitudes towards the mentally ill and mental illness are shrouded in strange myths and colored by stigmas. Public education and awareness assume tremendous importance in these circumstances to bring about psycho-socio-cultural changes in society.
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Mental Disorder
The term "mental disorder" refers to a condition in which there is a substantial change in someone's behavior, emotions, thinking, or general psychological state, which becomes very different from the usual. This condition can affect an individual's ability to function in one or more areas of their daily lives.
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Anxiety is a human emotion or feeling. It is common to be anxious, or nervous under certain circumstances like when faced with a problem at work, before taking a test, or making an important decision. A little anxiety is beneficial to an individual as it may warn a person about an impending danger.
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Sometimes it is quite normal for everyone to feel dull and sad at times, but these feelings are short lived and may soon disappear. However depression is different as it interferes with your daily life and causes pain for both you and those who care about you.
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Living with Obsessive Compulsive Disorder
According to the American Psychiatry Association, OCD is a form of anxiety disorder. People experience recurring, unwanted thoughts, ideas or sensations (obsessions) which make them feel the need to do something repetitively (compulsions).
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Living with schizophrenia
Schizophrenia is a severe mental disorder which is characterized by distortions in thinking, perceptions, emotions, language, sense of self and behaviour (WHO).
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Schizophrenia is a severe disorder which effects between 1% and 2% of the population. While it is much less common than depression, it can cause very severe disruptions in an individual's life and ability to function.
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Living with bipolar disorder
Bipolar disorder is a mood disorder which can be described as manic, hypomanic or depressive. A person living with bipolar disorder will have severe mood swings which can last several weeks, months or a long period of time. The Royal College of Psychiatrists states that feelings include severe depression, feelings of extreme happiness or a combination of depression with restlessness.
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Mood Disorders
Mood disorders are a group of illnesses in which the primary aspect is a disturbance in the way a person feels, i.e. the person's mood. The most common mood disorder is depression which is often characterized by strong feelings of sadness and a loss of interest in usual activities lasting for at least several weeks.
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Dementia is characterised by a loss of cognitive functions (the ability to process thought) leading to a gradual deterioration of social and occupational functioning.
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Suicide Prevention
According to the World Health Organisation, over 800,000 people die by suicide each year and there are many more people who attempt at taking their own life. Suicide occurs among all ages and was the second leading cause of death worldwide among 15-29 years olds in 2012.
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Suicide or suicidal tendencies involve thinking about taking one's own life, making an attempt to take one's own life, or completing suicide. In many countries around the world there has been a substantial increase in suicide rates over the last several decades. In a number of countries, suicide is one of the top causes of death in nearly every age category.
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Common Childhood Disorders
According to the World Health Organisation, 10-20% of children and adolescents across the world experience mental disorders. Half of all mental illness starts by the age of 14 years old.
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Childhood Disorders
Children are susceptible to a variety of emotional problems, in part due to their immaturity and their abilities to deal with stress. These problems may be apparent in a range of behavioral or emotional symptoms, disruptions in family home life, or in the school setting. There are also disorders which seem to be related to a biological vulnerability, and two of the most common of these are Attention Deficit Hyperactivity Disorder and Autism.
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Eating Problems
Eating disorders are when people experience severe disturbances in their eating behaviours, habits and related thoughts and emotions (APA). This normally causes an obsession with food and their body weight.
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HIV Transmission
Psychiatrists in every subspecialty are in a unique position to provide compassionate care, teach communication skills, and coordinate the care of persons with severe and complex medical illness.
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Combined Psychotherapy and Pharmacotherapy
Interdisciplinary Collaboration
Psychiatry is the domain of Psychiatrists –the experts in Mental health and it`s disorders. As experts we, the Psychiatrists should be cognizant of our merits as well as limitations.
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WPA Position Statement on Spirituality
The World Psychiatric Association (WPA) and World Health Organization (WHO) have worked hard to assure that comprehensive mental health promotion and care are scientifically based and, at the same time, compassionate and culturally sensitive.
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Values Based Practice
With increasing globalization, values, always important in healthcare, are becoming ever more challenging. In this short article we outline a new resource for working with values in healthcare called values-based practice
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WPA Programme on Depression in Persons with Physical Diseases
The WPA has started a programme aiming to raise the awareness of the prevalence and prognostic implications of depression in persons with physical diseases.
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WPA Educational Module - Physical Illness in Patients with Severe Mental Disorders
I. Prevalence, impact of medications and disparities in health care
II. Barriers to care, monitoring and treatment guidelines, plus recommendations at the system and individual level
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- WPA Educational Programme on Depressive Disorders
- WPA template for undergraduate and graduate psychiatric education
- Teaching and Learning About Schizophrenia (supported by an unrestricted grant from Janssen)
- Ways to Participate
- Atlas - Psychiatric Education and Training Across the World
- Early Intervention in Psychosis
- Autism and Related Disorders
- Guidelines for the translation of WPA Educational Programs
- Report and Action Plan Archive
- WPA Operational Committee on Education Archive
- Contributions from WPA ELN members - Argentina 3
- WPA/PTD Educational Program on Depressive Disorders
- ICD 10 Training Kit - (in collaboration with WHO) APPENDIX 1
- ATLAS - Psychiatric Education and Training Across the World 2005
- ICD 10 Training Kit - (in collaboration with WHO) SECTION 5
- Declaracion de Caracas
- The Provider's Clinical Support System for Opioid Therapies (PCSS-O)
- The Brasilia Principles
- Service for Member Societies in Sub-Saharan Africa and Central Asia


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Florida State crushes Clemson in big game
Winston throws 3 TDs and Tigers cough up a season-high 4 turnovers
Updated 12:55 am, Sunday, October 20, 2013
Clemson, S.C.
Jameis Winston threw for 444 yards and three touchdowns and No. 5 Florida State crushed No. 3 Clemson 51-14 Saturday night, a statement that should be heard from Alabama to Oregon.
The Atlantic Coast Conference's game of the year, billed as maybe the league's biggest game ever, quickly became a Seminoles' seminar on how to take apart a top-five opponent on its hostile home turf.
Winston was 22-for-34 for Florida State (6-0, 4-0 ACC). His first throw was a 22-yard touchdown to Kelvin Benjamin, and he scrambled for a four-yard touchdown that made it 41-7 with 4:04 left in the third quarter.
Tajh Boyd threw two interceptions for Clemson, and his first-quarter fumble was returned 37 yards for a touchdown by Mario Edwards. Clemson (6-1, 4-1) turned it over a season-high four times, including on the first play from scrimmage.
Auburn 45, Texas A&M 41: Nick Marshall accounted for four scores and No. 24 Auburn battered Johnny Manziel in a win over No. 7 Texas A&M. Tre Mason's five-yard score with less than two minutes to play was first placed at the 1, but it was reviewed and ruled a touchdown. A&M (5-2, 2-2 SEC) had a last chance, but Manziel, the Heisman Trophy winner, was sacked by Dee Ford on fourth down to secure the win.
Mississippi 27, LSU 24: Andrew Ritter made a 41-yard field goal with two seconds remaining to lead Mississippi to an upset of No. 6 LSU.
Alabama 52, Arkansas 0: AJ McCarron threw three touchdown passes and Kenyan Drake rushed for 104 yards and two scores to lead No. 1 Alabama.
Ohio St. 34, Iowa 24: Carlos Hyde ran for 149 yards, including 106 yards and two touchdowns in the second half, to lead No. 4 Ohio State. It was the Buckeyes' 19th consecutive victory, the most in the nation and tying the second-best streak in school history.
Stanford 24, UCLA 10: Tyler Gaffney ran for 171 yards and two touchdowns, and No. 13 Stanford smothered Brett Hundley and ninth-ranked UCLA. Kevin Hogan threw for 227 yards for the Cardinal (6-1, 4-1).
Tennessee 23, S. Carolina 21: Michael Palardy made a 19-yard field goal as time expired to give Tennessee a victory over No. 11 South Carolina that ended the Volunteers' 19-game losing streak against ranked opponents.
Baylor 71, Iowa State 7: Bryce Petty threw for 343 yards and two touchdowns and No. 12 Baylor tied a school record with its 10th straight win.
Missouri 36, Florida 17: Maty Mauk threw for 295 yards in his first career start and Andrew Baggett converted five field goals to help No. 14 Missouri defeat No. 22 Florida.
Vanderbilt 31, Georgia 27: Jerron Seymour ran for a 13-yard touchdown with 2:53 left, and Vanderbilt rallied from a 13-point deficit to upset No. 15 Georgia.
Texas Tech 37, West Virginia 27: Davis Webb threw two touchdown passes and No. 16 Texas Tech scored 21 unanswered points in the second half.
Oklahoma 34, Kansas 19: Blake Bell threw for 131 yards and two touchdowns, and No. 18 Oklahoma recovered from a slow start.
Oklahoma State 24, TCU 10: Clint Chelf completed 10 of 25 passes for 178 yards and an interception and No. 21 Oklahoma State earned a win.
N. Illinois 38, C. Michigan 17: Jordan Lynch rushed for 316 yards, an FBS record for a quarterback, and No. 23 N. Illinois stayed unbeaten.
Wisconsin 56, Illinois 32: Melvin Gordon rushed for 142 yards and three touchdowns to lead No. 25 Wisconsin.


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Hoyer Statement on the Fiscal Year 2007 Budget
(202) 225 - 3130
WASHINGTON - House Democratic Whip Steny Hoyer (MD) released the following Floor statement on the Fiscal Year 2007 budget, which is being debated in the House tonight (as prepared for delivery):
"Mr. Speaker, the overwhelming majority of Americans now believes that our great nation is headed in the wrong direction.
"It is not difficult to understand why.
"The Republican Party's incompetence over the past five and one-half years is undeniable - from the miscalculations in Iraq, to the inept response to hurricane Katrina, to the failure to secure our ports and borders, to the historic turnaround in our fiscal health.
"5.4 million more Americans live in poverty. 6 million more are uninsured. Real median household incomes have dropped nearly $1,700.
"Thus today, it is stunning that our Republican colleagues have brought a budget resolution to this floor that so badly betrays our values and fails to meet our nation's priorities.
"This shamefully shortsighted budget resolution cuts crucial investments in our nation and our people.
"Over the next five years, it slashes education by $45 billion, veterans' health care by $6 billion, public health by $18 billion, and environmental protection by $25 billion.
"Even worse, this budget resolution is a continuation of the most reckless fiscal policies in the history of our nation - policies that have squandered a $5.6 trillion budget surplus, added more than $3 trillion to the national debt, and weakened our ability to respond to national and international crises.
"Listen to the warning of the non-partisan Comptroller General David Walker, who stated in February:
'Continuing on this unsustainable fiscal path will gradually erode, if not suddenly damage, our economy, our standard of living, and ultimately our national security.'
"Yet, that is precisely what this Republican budget does.
"It not only fails to rein in the record Republican deficits of the last five years, it makes them worse - calling for deficits totaling $1.1 trillion.
"It not only fails to arrest our exploding national debt, it calls for a debt limit increase of $653 billion - the fifth increase in five and one-half years, totaling $3.7 trillion in debt increases under President Bush.
"Last year, during our debate on the budget resolution, the Chairman of the Budget Committee confidently proclaimed:
'We will be able to give, I believe, our kids and grandkids the opportunity of a debt-free world if we begin with a small step again this year.'
"The Chairman's assertion then has been eviscerated by the facts now.
"The reality is, this budget resolution - and the Republican Party's policies - have instigated a dangerous spiral of deficits and debt that constitute nothing less than fiscal child abuse, because they will immorally force our children and grandchildren to pay our bills.
"In sharp contrast, the Democratic Alternative is reasonable and responsible. It would balance the budget by 2012; reinstate the pay-as-you-go budget rules that were instrumental in creating four consecutive budget surpluses in the 1990s; and invest in our nation and our people.
"Our Democratic Alternative provides matching resources for defense, and more resources for education, veterans' health care and other health priorities, and the environment.
"I urge my colleagues: vote for fiscal sanity. Vote for the budget that puts America back on the right track. Vote for the Democratic substitute."


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There's a new neighbor calling the Jack London district home these days – and this San Franciscan transplant isn't satisfied with just casual neighborly chit-chat.
Emotive Brand wants to talk about feelings – as the consultancy's focus on feelings and emotional connection is its unique approach to brand strategy.
The process begins with clients (mostly "C-Suite" members, i.e. company officers and directors) creating an "Emotional Space." Clients narrow down four to five words from the "Emotive Core" to describe how they want their brand to make people feel, customers and employees alike. The "Emotive Core," 301 words for positive feelings, adorns one of the gigantic walls in Emotive's office – which has the feel of an ultra-chic minimalist lounge combined with the structure of a warehouse.
"Emotional space defines everything the brand is," explained Kyla Gruen, who has worked as Emotive's Account Manager for more than two years. "It defines your reason for being, your aesthetics, your tone and voice and everything loops back to that. That becomes the premise."
Once emotional space is established, Emotive's team – which consists of 11 core members, but fluxes with each project, bringing in copywriters, designers and other creatives from around the country and even the world – designs the strategy and presents clients with a a plan or report. Taking shapes as wide-ranging as the clients themselves, those results have included award-winning Corporate Sustainability Reports for UPS and a handstiched photo essay for furniture designer McGuire.
Read more of this story and news of Oakland Local: http://bit.ly/11zjsT3.
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text:
Tom Pinnock
March 16, 2017
McVie and Lindsey Buckingham reveal all about their collaboration in our exclusive interview
The pair's debut as Buckingham McVie – also featuring Mick Fleetwood and John McVie – is set for release this summer.
"I've grown up a lot since the last time I really worked with [Christine]," explains Buckingham. "I realised: 'Oh, here I am, a completely different person. I'm a father of three children. I've been married almost 20 years. I've had my journey, and Christine has had her own journey.'"
However, the singer, keyboardist and songwriter also reveals that the future of Fleetwood Mac is far from certain.
"The 2018 tour is supposed to be a farewell tour," says McVie. "But you take farewell tours one at a time. Somehow we always come together, this unit. We can feel it ourselves."
Buckingham and McVie are on the cover of the new Uncut, dated May 2017 and on sale March 16.


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Alvaro Herrera wrote: > Excerpts from Magnus Hagander's message of mar jul 12 09:34:56 -0400 2011: > > > > Agreed. On one level I like the sponsor message, but on the other > > > having "Sponsored by RedHat" on every Tom Lane item will get tiring. > > > ;-) > > > > > > Can we add text if the employer is _not_ the feature sponsor? > > > > That would be quite unfair to those who *do* employ committers.... > > Basically you'd get credit only if you didn't employ a committer. > > Well, that has worked well for my case -- I haven't ever credited my > employer, only those that have specifically hired us for a particular > patch. My employer gets a lot of "credit" in the form of email > signatures, like the one below ;-) > > But I see your point and I will stick to whatever policy we come up with > (assuming we come up with one). > > > This all becomes much easier if we keep the ads out of the commit > > messages, and stick to the technical side there. And find another > > venue for the other credit. > > I'm open to ideas. Agreed. I am not firm either way on the issue; I was just throwing out a suggestion. -- Bruce Momjian <bruce(at)momjian(dot)us> http://momjian.us EnterpriseDB http://enterprisedb.com + It's impossible for everything to be true. +
Next: From: Magnus Hagander Date: 2011-07-12 14:20:59 Subject: Re: marking old branches as no longer maintained Previous: From: Alvaro Herrera Date: 2011-07-12 13:56:30 Subject: Re: per-column generic option
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