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writer, performer and activist Julia Serano's blog! most posts will focus on gender & sexuality; trans, queer & feminist politics; music & performance; and other stuff that interests or concerns me. find out more about my various creative endeavors at juliaserano.com
Monday, December 3, 2012
Trans people still "disordered" according to latest DSM
This morning, I woke up and found my Twitter feed full of article links celebrating that transgender people are no longer "disordered" according to the DSM (that is, the Diagnostic and Statistical Manual of Mental Disorders - often referred to as the "psychiatric Bible" because it contains all of the official psychiatric diagnoses). The DSM gets revised every 10-20 years or so, and diagnoses sometimes get modified, expanded, or completely removed. The change that people are now celebrating is the fact that the previous diagnosis of Gender Identity Disorder (GID) has now been changed to Gender Dysphoria.
Admittedly, the new Gender Dysphoria diagnosis is an improvement over GID for a number of reasons - Kelly Winter of GIDreform.org describes some of these improvements, as well as many of the lingering problems with the new diagnosis. Despite the remaining drawbacks (for instance, that gender variance is still formally pathologized in the DSM), many people seem excited that transgender people are no longer described as being "disordered" in the DSM. But the problem is that this is patently untrue.
When the new DSM committee was chosen back in 2008, all the focus was on what the new committee (chaired by the notorious Ken Zucker) would do with GID. This is understandable, given that this is the diagnosis that trans people are required to submit to if they with to access the means to legally and/or physically transition. It has also been used to justify horrible reparative therapies against gender-non-conforming children. But the greater trans community gave short shrift to the other existing DSM diagnosis that affected transgender people: Transvestic Fetishism.
I was especially horrified when Ray Blanchard was named to head the DSM "Paraphilia" section, which historically contains several sexual crimes (e.g., pedophilia, frotteurism and exhibitionism) and a handful of other generally consensual but unnecessarily stigmatized sexual acts (such as fetishism and BDSM) that are considered "atypical" by sex researchers - including Transvestic Fetishism.
I sometimes joke that Ray Blanchard is my arch nemesis (after all, every trans narrative needs a good arch nemesis!). Much of his career has been spent psychiatrically sexualizing trans female/feminine-spectrum people, most notably via his theory of "autogynephilia." I won't go into all the details here, as I have written about Ray Blanchard's theories extensively elsewhere.
Being familiar with his work, I was worried that Blanchard might try to expand the Transvestic Fetishism diagnosis. He did not disappoint. As I outlined in my 2009 article "Why feminists should be concerned with the impending revision of the DSM," Blanchard sought to both expand the DSM definition of "Paraphilia," as well as expand the previous Transvestic Fetishism diagnosis, which he renamed "Transvestic Disorder." As I pointed out in my keynote for the Philly Trans Health Conference that year:
Ray Blanchard has been named to chair the Paraphilia subworkgroup for the DSM-V, and he has proposed changing the Transvestic Fetishism diagnosis to Transvestic Disorder with one of two modifiers: with Fetishism, or with Autogynephilia. While the diagnosis supposedly targets "heterosexual males" who crossdress, the psychological literature regarding autogynephilia (the bulk of it written by Blanchard) repeatedly claims that lesbian, bisexual and asexual trans women are really just heterosexual men with a fantasy problem. Therefore, according to Blanchard's proposal, a queer-identified trans woman (such as myself) could theoretically be diagnosed as having "Transvestic Disorder" any time that I have any kind of sexual urge while wearing women's clothing. Since I wear women's clothing pretty much every day of my life these days, my sexuality would presumably be considered perpetually transvestically disordered according to this diagnosis.
I tried at great length to raise awareness of the Transvestic Disorder diagnosis when it was first proposed. So did a few other trans activists and advocates, most notably Kelly Winters. But for the most part, the trans community ignored the proposed diagnosis, probably because (in its original form) it was not applicable to trans male/masculine folks nor heterosexual-identified trans women. Personally, I stopped writing about it because I felt like the community was simply not concerned.
And then, when no one was looking, in mid-2010, Blanchard and the DSM committee expanded it even further, so that it now includes trans people of all identities, trajectories and sexual orientations. As it is written now, Transvestic Disorder can be applied to any person who is sexually active while wearing clothing incongruent with their birth-assigned sex. It also canonizes the term "autoandrophilia" as a sexualizing diagnosis that can be applied to trans male/masculine folks. And while GID/Gender Dysphoria are pathologizing, Transvestic Disorder is both pathologizing and sexualizing. And when you sexualize someone, you invalidate them!
So please don't say that transgender people are no longer considered "disordered" according to the latest DSM. It is simply not true.
[note: If you appreciate my work and want to see more of it, please check out my Patreon page]
post-note: the day after publishing this, I wrote a follow-up piece. And here is a speech I wrote for the trans protest of the 2009 American Psychiatric Association (who write the DSM) called "Stop Sexualizing Us"
49 comments:
Absolutely disgusting. As a transwoman I feel like the DSM made one little itsy bitsy step forward but two giant steps backs in regards to progress. One has to ask how someone like Blanchard became head of a DSM section...I suppose the complete lack of transparency and exclusiveness during the revision reeks of intellectual dishonestly and lack of objectivity in general.
ReplyDeleteReplies- AnonymousDecember 11, 2012 at 7:15 PM
Because it's still an "Old Boys Club" in any elite grouping These are "elites". Elites are allowed to have their head up their ass, but because they're seen as God-like, no one disagrees. Think Guru.
Then grant them Enlightenment at the end of a spear...
BTW, I'm transgender or transsexual, MTF, want breasts, beauty, and grace - and I think my (GG) partner is about at her end of acceptance (which for her really is a BIG step - She brings new meaning to Vanilla.)
(Since she may come by to read this - I'm explaining DSM to her re: Counselling - I'm going to stay Anon on this one.)
- AnonymousDecember 3, 2012 at 2:12 PM
Despite being a trans man, I always hated the "autogynephilia" diagnosis as I saw how pathologising and invalidating it was for trans women who were suffering purely from gender dysphoria, not a sexual fetish. However, there's no way I ever imagined that an equivalent diagnosis would be fashioned for people on the FTM spectrum (yes, I realise that's due to male privilege). Urgh, now I really am frustrated!
ReplyDelete - AnonymousDecember 3, 2012 at 3:52 PM
As long as there is any mention of people born with transsexualism, or who are transgender, within any version of the DSM, then they are saying "disorder" since the very purpose of the DSM is to list various "mental" illnesses.
ReplyDelete - AnonymousDecember 3, 2012 at 8:17 PM
I concur with Brynn. Blanchard screwed me big time. It was far too late when I finally learned that the guy knows _nothing_ of value related to trans people.
ReplyDeleteReplies- AnonymousDecember 3, 2012 at 10:49 PM
I lost what might have been the best 20 years of my life largely to Blanchard's BS. Now I am transitioned and happy, but so much needless pain on the way. I do believe he is a sociopathic monster with blood on his hands.
Delete - AnonymousDecember 4, 2012 at 9:16 AM
I would like to nominate Zucker and Blanchard as well as the receptionist witch at CAMH GIC as co winners of the Douche bags of the year award. And also thank "Mr" ( a term that should only be used out of respect and he has none from me) Smitherman, oh privileged white gay male so full of himself he had to run for the mayor's office which gave us Rob Ford, after Smitherman had to run out of the Ministry of Health office in Ontario for all the scams he ran. He can pick and chose his baby from anywhere in the world with his partner or husband and yet, I had no choice in surgeon. I had to have a butcher who has no desire to learn how to to do top surgery properly which left me disfigured. Instead of Ontario tax payer dollars going to an Ontario doctor (that makes too mcuh sense for government after all) I had to go out of province and choose a docctor who has no interest in treating top surgeery or improving their technique...they are al baout inverting the penis to give a fully sensate vagina, but if your a trans man who want to keep his nipples, your SOL. Thanks for butchering me. I'm sure there's some kickbacks going on there, if everyone who wants funded surgery has to go to Montreal. And btw, I have no male privilege. I am poor , disabled, in chronic pain and NO CHOICE in surgeons. Show me the privilege. That's a constructed theory meant for natal males. Porve to me I have privlege....yeah, from your ivory towers of academia. Try living my life and telling me I have privilege. You wouldn't want my "privilege". Most of you who claim trans guys have privilege haven't walked a second in my shoes. Cause they couldnt' tolerate it, if they tried. How about this? Some trans guys have privilege. Not all.
Delete - AnonymousDecember 4, 2012 at 3:17 PM
I'm not sure if you've been to CAMH recently, but they seemed to have changed DRAMATICALLY. I went in October and found them to be very professional and knowledgeable.
They've also been made aware of some of your concerns above and have provided more options for trans guys at least in regards to top surgery. It's possible to get surgery in Ontario now and the Montreal clinic has a new surgeon (Dr. Maud Belanger) who has apparently had great reviews.
I agree with not being able to see much male privilege. I think the majority of that is reserved for society's "ideals" of how a male should be, which I'm not a part of. It's incredibly hard to be validated as a male without a "legitimate" penis. - AnonymousDecember 4, 2012 at 3:28 PM
My top surgery is also a hack job. In receiving a bi-lateral mastecomy the surgeon merely cut off half of my breasts, leaving me with lumpy misshapen c cups.
Delete Sounds like you have male privilege, but not cis privilege, able-bodied privilege or class privilege. Poor cis men also tend to claim that male privilege does not apply to them. The truth is that being disprivileged in any number of respects does not negate the privileges that one does have. Basically, if you were a poor disabled trans woman, you would be even worse off.
- AnonymousDecember 3, 2012 at 8:23 PM
I think you're exactly right, Julia. Trans and especially TS women and men are still labeled as mentally disordered in the DSM-5, just as we were in previous versions. The change in title shifted the diagnostic focus further from the Clarkean stereotype of "disordered" gender identity and closer to the distress of anatomies and social assignments that are painfully incongruent for the individual. That part is positive. However, the diagnostic criteria for the revised Gender Dysphoria category still contradict social and medical transition and continue to describe transition itself as symptomatic of mental illness. As you point out, Blanchard's Transvestic Fetishism/Disorder has gone from bad to worse. It is punitive and scientifically capricious--- designed to stigmatize and punish nonconformity to assigned birth roles.
On December 1, the APA Board of Trustees approved the proposed changes in the DSM-5, unfortunately retaining the unconscionable Transvestic Disorder category. The APA has also disregarded public and professional criticism of its lack of transparency in the revision process by blocking the text of the proposed DSM-5 revisions from public view on the dsm5.org web site. I think history will remember the treatment of trans and gender variant people in the DSM-5 as a missed opportunity to move beyond false stereotypes and bad science. Thanks for this enlightening article. Everything about the DSM sends me into a seething rage. These experts self-perpetuate their own BS, and sadly everyone else gets very badly hurt.
It's almost like they kept waving the "but, it's now Gender Dysphoria and therefore not a disorder anymore" flag to distract us from what was really going on...@Julia Serano great analysis! As a queer trans woman I'm also concerned about this revised category (also I loathe Blanchard...) which I hoped so much to be erased from DSM. I run a transfeminist blog in my country and I want to ask permission to translate some of you texts... This one, the one that talks about bissexuality not reinforcing the gender binary and the "Why feminists should be concerned with the impending revision of the DSM,". Thanks Serano!
ReplyDeleteI must admit I have always gone against the grain with the view of GID in the DSM. I don't know what stigma is attached to it outside of the Netherlands, but here there is none. In fact no one outside of my therapists even know about it!
What is does give though is full coverage under the Dutch compulsory base health insurance.
It also means that you have discrimination coverage by law as well.
If you remove it as a health issue then the legal and health coverage is also removed. As far as I see it there is a problem in that my head and body don't match. I have no idea how else I would describe it.
Mind you, the new changes do sound rather disturbing!RepliesIf only these people saw others as brains who happen to be in bodies, rather than bodies which happen to have brains in them, maybe being transgender could be removed entirely from the DSM and added to a list of physical, not mental, health conditions.
DeleteNow that I agree with completely!
But whatever happens I think it's important to ensure that it remains on *a* health condition list. Otherwise I do think it would be all too easy to fall through cracks when trying to get help.- AnonymousDecember 4, 2012 at 3:09 PM
Stace I feel very much the same way! I realize that the term "mental disorder" has some negative connotations, however I think it's somewhat necessary in order to receive health coverage.
I follow certain studies on transsexualism and some hypotheses seem to suggest that brain development and genital development in the womb didn't follow the same trajectories. This may be just part of human variation, but it can be justified as a disorder because (for many of us at least) it can disrupt our functioning in day to day activities and may even provide a health risk if treatment isn't sought. I agree completely with ZoëB, and think that that's where we'll end up. Hopefully in the ICD-11,but probably later, alas.
Two things:
One, I didn't know you had a blog, and will insta-follow you here. :D
Two: this is really disheartening news. I'll admit that I hadn't paid much attention to Blanchard heading the paraphilia section of the DSM-V; my ax was mostly ground against Zucker. I regret that now; this diagnosis sounds pretty horrible, and could be a huge roadblock for trans people seeking treatment.
However, the optimist in me wonders if this matters as much as it did just a few years ago. The trans community has matured by leaps and bounds and has built a pretty good community of support, networking, and best practices. Sure, some doctors will diagnose transvestic disorder to avoid acknowledging trans identity. However, won't those folks wash out of the trans community's recommendations quickly? I know when I transitioned in Indiana we always knew who the "good docs" were, and the list was constantly updated by the community there.
(Again, not exactly a fix. I'm just trying to see some silver lining in all this.)- AnonymousDecember 4, 2012 at 9:48 AM
Well if they put in "autogynephila" and "autoandrophilia" it will make It easier to have the whole field declared a religion. Nobody can call the "research" that was done as scientific.
For a scientific study you would need:
A large enough sample to be statistically meaningful
The sample should be random
You should have a control group
You would have to maintain "scientific detachment"
It would need to be independently confirmed before general acceptance.
For a religion, all you need is a "Prophet" to have a revelation. This seems to be a better description of how these "conditions" came about.
Now all we need is someone to sue the US Govt for helping to fund a "Religion" (money was given to APA to fund the new version of the DSM) This is of course against the First Amendment. - AnonymousDecember 4, 2012 at 12:59 PM
The idea that men can take any object in this world to contribute, own, and contaminate the sacred essence of being born a woman feels me with anger.
The idea that men want to barge into our identify to find acceptance and somewhat make their own vision of I'd unacceptable. This is a mental disorder of greed and confusion and should be kept as the same.Replies- callmemimiDecember 4, 2012 at 10:46 PM
If you think that's what being trans* is...wow. I'm sad for you.
Delete - AnonymousDecember 5, 2012 at 10:52 AM
Oh yeah, 'cos this isn't a show of raging cis privilege or anything - with the idea that only you and your kind are ever allowed to identify and live your life as you wish. As for a "mental disorder of greed and confusion", I suggest you actually educate yourself by reading Dr. Serano's 'Whipping Girl' instead of simply assuming you know better.
Delete - Jade ArmstrongDecember 6, 2012 at 6:01 PM
Ah, another radical, second-wave feminist whose entire belief system is founded on sexism and an irrational hatred of men.
Sorry, but transgender women take absolutely nothing away from cisgender women. You still have your own identity, which is in no way diluted or contaminated by the fact that other people sometimes are born with birth defects. So take your "sacred essence" nonsense and kindly go away. You aren't contributing anything worthwhile, and you're only making yourself and other feminists look bad. so for the record, I do not allow blatant cissexism on my blog. I have outlined my comments policy previously: http://juliaserano.blogspot.com/2011/09/on-returning-to-blogging.html
this comment slipped through the cracks & I will leave it up because I don't wanna delete the other folks comments.
for the record, I completely understand the many reasons why people might want to remain anonymous on the internet. but when someone who goes by "anonymous" spews uninformed cissexist bullshit (rather than engaging in thoughtful dialogue), I can only assume that they are a coward...
- AnonymousDecember 5, 2012 at 3:41 AM
Hi Julia .I too want to thank you for all you do for the community.
I am in the first 6 months of my transition and was struggling for a moment with figuring how I fit into my own personal social situations ...(personal privilege) and how much of it would or would not affect me . I was in the process of dealing with it ... When another person suggested your book whipping girl ...
It has been a great read so far and has addressed the issue I was working on....
Thank you for the insight.
Juli Richmond . I hope the trans community will learn from this and unite in a demand for removal from DSM by the next revision. They tell us this is about insurance coverage, while in fact it is about control. They are even about to publish guidelines "to make more psychiatrists help" transgender people. There are plenty of ways to cover transition care in ICD10 already we did not need DSM.
ReplyDelete- AnonymousDecember 6, 2012 at 9:33 AM
I'm sorry, but anyone who needs the words of psychiatrists to feel validated, or determine who they are, has a mental disorder called "stupid".
The problem isn't one lonely definition in their DSM. It's the whole concept. The DSM is big and inclusive enough that every single human being on the planet can be determined to have at least a few "mental illnesses". Except for the psychiatrists, of course, who must maintain the illusion that they are qualified to judge the behavior and motivations of others.
They aren't. Some of the most screwed-up basket cases I know are children of psychiatrists, who apparently felt obliged to analyze and manipulate their offspring.
Don't even bother trying to change these quacks and their DSM. Just stop paying attention to them. Don't give them power over you. They deserve only derisive laughter, not reasoned argument. (Of course, this too is a DSM-defined "mental disorder" called anti-authoritarian-complex or something. Ridiculous.)Replies- AnonymousDecember 6, 2012 at 11:06 AM
That attitude is fine for some people, but when someone needs access to prescription medication and surgery that can only be (legally) provided by doctors who follow those psychiatric guidelines, then they can't just ignore it.
The issue is less "hooray psychiatrists said I'm not as crazy, so I feel good about myself now" and more "how do these changes affect how healthcare providers and lawmakers will treat me?" - AnonymousDecember 6, 2012 at 1:19 PM
Well, there is that. However...
Transexuals (as in full SRS etc) are never going to win this one. There's the fundamental catch-22 in a)insurance isn't going to pay for something that isn't wrong with you, thus b)they must find some way to declare what's wrong with you. This leads to the cognitive dissonance of "I have a birth defect/born in wrong body/gender dysphoria -- BUT THERE'S NOTHING WRONG WITH ME!!!"
That said, the thing sane people do when confronted with legality vs. necessity is to err on the side of necessity. You can spend all your time and money fighting the government regulations and the medical establishment (both of which are NOT getting any easier), or save up a few grand and take a holiday in Thailand. I find it odd that a class of people (TS), whom this society has not treated very well, are so damnably eager to follow every dictate of that society. I should think it easier to defy rules than to defy biology.
I am not TS and so don't have a dog in the fight, but I am an intersexed (genetically outside the M/F binary) individual whose gender 'presentation' or lack thereof varies by the day -- though typically leaning more to the female end of the spectrum, away from what my ID says. So I do understand these issues, having spent my whole life with them.
It just seems to me that too many people are trying to rely on government and professional establishments for their personal happiness. The notion is absurd on its face. Government exists to expand government. Professional establishments exist to further the aims of the professionals in them, not their customers. It's really quite foolish to expect anything different.
We could also point out the nanny-state element that vainly attempts to protect everyone from everything. I know, for instance, that I could pop down to Mexico and buy myself 500 kilos of estrogen pills, and their government will make no attempt to stop me from using them in any amount I choose. It's entirely my problem if I kill myself. Guidance can be had without mandating it -- but we no longer seem to be a country that values freedom, nor understands the concept of personal responsibility. - Jade ArmstrongDecember 6, 2012 at 6:13 PM
I must admit, I do like the idea of personal freedom and individual responsibility. If the healthcare system in the U.S. would just stop worrying about trying to prevent people from supposedly making a "terrible mistake," things would be much better off. People should have a right to do whatever they want with their own bodies.
Though on the other hand, there is still the issue of whether or not insurance will cover the cost of the surgeries. Part of me wonders whether many of these legal hoops we have to jump through are created not to protect us, but rather to protect the insurance companies...
- AnonymousDecember 6, 2012 at 3:16 PM
What gives anyone the right to say what we are thinking or feeling inside much less to give a label on it..
ReplyDelete for the record, I just deleted another comment (from someone posting as "Anonymous, surprise surprise). Basically it was a trans health = frivolous cosmetic surgery rant that (de)evolved into a "Obamacare sucks" manifesto. It defied my commentary guidelines: http://juliaserano.blogspot.com/2011/09/on-returning-to-blogging.html
ReplyDelete- AnonymousDecember 12, 2012 at 8:16 PM
Reminds me of when the Navy decided that sit-ups were bad for us. So they started calling them "Crunches", the problem was that they required us to do the exact same motion as the sit-up. BUT we were now doing 'crunches' so everything was alright. My hopes for DSM-V went out the window when Blanchard got involved.
ReplyDelete - AnonymousDecember 12, 2012 at 10:06 PM
While I agree whole hardheartedly with the spirit of this entry, the discrediting of Blanchard, and the long term harm caused by the autogynephilia hypothesis , I feel like this blog entry doesn't give a complete picture of how the diagnostic criteria is designed to be applied.
From the Changes section of the Rationale:
A Paraphilic Disorder is a paraphilia that is currently causing distress or impairment to the individual or a paraphilia whose satisfaction has entailed personal harm, or risk of harm, to others in the past. A paraphilia is a necessary but not a sufficient condition for having a Paraphilic Disorder, and a paraphilia by itself does not automatically justify or require clinical intervention. ( source: http://www.dsm5.org/Lists/ProposedRevision/DispForm.aspx?ID=189 )
It is difficult for me to imagine someone having such a good time that it "justifies or require clinical intervention," but I suppose it is possible. I do wish the counter indication of gender dysphoria was more explicit but I only wish that because I do not trust the judgment of most therapists to come to the same logical conclusion. If someone with gender dysphoria is misled by this, the ultimate blame should be with the therapist. If it is possible that someone who does not have gender dysphoria to simply haave an enjoyable hobby, sexual fantasy, or kink, but is then coerced into finding harm where there is none, the blame should also be with the therapist.
It is the therapist who should also help determine whether this paraphilia, harmful or not, is masking a denial about gender identity. My greater concern of course is for those who stumble upon this without the context of a qualified therapist or by those who would cause us harm or seek to deny anyone treatment, including a child. We are today still locked in court battles fighting Blanchard and Bailey's other brainchild, conversion therapy--something to which even Exodus no longer subscribes. We are winning and this will follow in time. Their place in history will ultimately be in infamy.
Gender Identity is no longer a disorder and this is a good thing. It is not the most ideal victory but it is still victory. The core of our identity may now be acknowledged as real. If gender identity causes a conflict or negative impairing feelings, gender dysphoria can be used to bill related therapy. When there ceases to be negative impairing feelings, the dysphoria diagnosis should no longer apply. As the pathology for gender identity is removed from society, we must remain assume vigilance to replace it with education and community.
-kellyRepliesHi Kelly, I appreciate your remarks, but I respectfully have to disagree with you about the application of paraphilias (including Transvestic Disorder). Charles Moser has talked at great length in the sexology literature about how words like "distress" and "impairment" are often subjectively used (e.g., if my partner and I are having relationship issues, and my sexuality or clothing choice is one of the issues we fight about, and if I feel distress about our fighting, some therapists may blame the situation on my desires and view my distress as stemming directly from that).
You also said "My greater concern of course is for those who stumble upon this without the context of a qualified therapist " - yes yes yes! I don't have any statistics, but I always come across trans people who say their first therapist didn't know anything about trans health or issues, and who turn to the DSM or other psych literature for guidance. Having Transvestic Disorder in the DSM means that therapists may read their clients through that lens, whether warranted or not.
Finally, the DSM has ramifications outside of therapist-client relationships. Conservative groups opposed to trans rights have already latched onto "autogynephilia" as a way to dismiss trans people, and the DSM will give them more ammunition sadly...
best wishes, -j.
- Tana SilverDecember 16, 2012 at 3:32 PM
I'm going to sound out a different thought here and see what everyone thinks.
I still find the changes in the DSM-V encouraging. The main diagnosis of GID has been removed, hence the stigma of "mental" disorder" has been removed, at least from that point of view. That has been replaced with Gender Dysphoria, which recognizes being TG exists without stigmatizing it, and that it can carry serious issues that can be diagnosed and treated. To me, this all spells out, that being trans is not a mental disorder but it clears the way for a person with it to be treated by insurance and proper health care (i.e., hormones and surgery).
But now, then, there is this other thing, the fetishism part. First, I don't understand why they seem to basically have two categories for trans folk in the DSM. There's the above Dysphoria diagnosis, and a second Travestic Disorder diagnosis too? This does seem to undermine the Dysphoria diagnosis, however, it doesn't seem to remove the legal and medical protections.
At the end of the day, the most important thing is, is there a diagnosis that makes it hard for insurance companies to ignore their trans customers, and it seems to me that the answer is yes. So that's good. The whole Travestic Disorder issue seems more like an annoying slap in the face to the TG community from Blanchard, but that's really nothing new.
I would like to know how others feel about this though. The insurance company I am currently under has within this past year stepped up its own TG services, including covering HRT (which they have been covering for some years now) and SRS. I would be concerned if changes in the DSM could subvert those advances.
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Games & Entertainment
Traditional art forms are things you cannot win; you can only experience them.
Video games can be measured as art of imitation nature and reality. Games and entertainment art grows better the more it improves or alters nature through a passage through what we might call the artist's soul, or vision. Video games are nothing if not experiential. They are visuals and music and poetry all wrapped up into a single package. A video game isn't just a game—it is a controlled passage through an overwhelming aesthetic experience.


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Friday, November 21, 2008
Handwork Ahead
The colorwheel quilt is progressing thanks to so many wonderful suggestions of how to proceed. Look at that nice smooth outside edge. Jackie and a couple of others suggested the method of sewing on fusible interfacing, turning it and there you go...a lovely edge to hand applique. The center circle is done with Cheryl's tutorial on her blog Naptime Quilter. It's not perfect but that's not due to Cheryl's method. I didn't have a compass so I traced the bottom of a vase, so my freezer paper circle wasn't perfect, but the method worked great. I'm so excited to quilt this one. It's bigger than I wanted, so it will be harder to find a place for it in my tiny studio...but it will find a place.
Next, I forced myself (despite my painful neck and shoulders) to quilt and bind this table runner. I've been working on it for awhile. My mom's birthday is next week and it's for her, so I had to get it done. I still have the binding to hand stitch, but I can handle that in the next couple of days. She wanted a 20 x 20 square for the top of her round dining table and she wanted my houses. So here it is. I love that you can sit anywhere at the table and enjoy the houses right side up!
And look what arrived (after an unintended stop at the neighbors)! This is a little quilt from Kris of Quilted Simple. I won this in her bloggy birthday celebration. It's taken its place on a hanger on my windows in the hall. Kris and I first got to know each other when she signed up for a pay it forward on my blog. She is a farm mom, cook, crafter, quilter, chicken raiser, and a million other things. If you think I get a lot done in a day, you should check her out! Thanks Kris!
This little quilt is just one small example of the joy I get from having this blog and from having all of you visit and leave comments. With Thanksgiving around the corner I want to take a minute to say I'm thankful that I started blogging and that all of you have chosen to join me on my blog journey. I hope I have given you just a smidgen of the support and happiness you have given me. Thank you.
Edited to add: It would be so nice to respond to you, many of my new visitors have "no reply" comments. You might want to check and see if you are one of those folks.
I'm off to get a little more Bengay, some good drugs and pack for a trip to Chicago this weekend to see the hubby. Later!
66 comments:
- calicodaisy said...
Beautiful! You should make a pattern of those little houses to market. I love them.
Can you take Aleve? That always helps me, and a heating pad, and a few hours in the easy chair with nothing to do but veg in front of the TV.
-- Michele - November 21, 2008 at 10:14 AM
- Marie' said...
I just love, love, love EVERYTHING you do. What an inspiration you are!
- November 21, 2008 at 10:21 AM
- Exuberantcolor/Wanda S Hanson said...
That little table centerpiece is just darling. It is hard to come up with a design to be seen perfectly from all angles and you did it.
- November 21, 2008 at 10:33 AM
- Emily said...
WOW! That colorwheel is SOOOOO beautiful!
And your table runner is great in wintery colors (blues and greens) (not just Christmas red and green!)
Love them! - November 21, 2008 at 10:48 AM
Wow, your color wheel is really coming together now. LOVE IT, and the House runner....LOVE IT too. I want to move into a neighborhood like that! There's an idea - a neighborhood of cool houses where we can all move, yeah all of us, and a huge barn community building where there are perpetual quilting and art classes. Well, and an aquatic center and the biggest library on earth. yeah!
- November 21, 2008 at 10:55 AM
- Kat said...
My mom has terrible neck pain, so I know how hard it can be. Sometimes all you can really do is grin and bear it. Here's hoping it goes away soon!
I'm really loving your houses. They're so cute and I love the topsy-turvy feel that they have! - November 21, 2008 at 11:00 AM
- Two Dogs and a Quilt said...
Your mom is going to love the house table topper! Here's hoping your neck and shoulders feel better.
- November 21, 2008 at 11:16 AM
- KateKwiltz said...
Look at you, free motion quilting all over the place! It wasn't too long ago that you were just beginning!
Have a fun weekend -- and dress warm! It was SIXTEEN DEGREES here (single digits with the wind chill) this morning! - November 21, 2008 at 11:27 AM
- MichelleB said...
That table topper is adorable! I just love it. And how lucky are you to win such a cute thing!
- November 21, 2008 at 11:49 AM
- Sarah said...
Oooh, I love them all! Very nice work!
- November 21, 2008 at 11:53 AM
- Unknown said...
Jacquie! I love what you made for you mom! She will love it! The colorwheel plate is fabulous! Sewing the fusible is a great plan - then it's stuck down right where you want it with a great edge :) I may have to give that a try - in January! Have a fab weekend
- November 21, 2008 at 12:06 PM
- Cathi said...
The table topper is fabulous -- having a house facing the right way at every angle is fabulous!
- November 21, 2008 at 12:20 PM
I am so blown away by your creations! That table runner is simply amazing - and you should totally make a pattern!!
I hope you feel better soon!! And I am so glad you share your creations with us :-) - November 21, 2008 at 12:27 PM
- Nanette Merrill said...
You mentioned my pet peeve - no reply commenters that ask questions! I can't answer. Do you know what that does to me? Well maybe.
Darling stuff as ALWAYS Jacquie. The table topper is my favorite. I can't get over it. - November 21, 2008 at 12:52 PM
- QuiltedSimple said...
I love the color wheel quilt and the table topper - you really need to do a tutorial on your houses!
And you're welcome - glad you like it!
Kris - November 21, 2008 at 12:53 PM
- Abby and Stephanie said...
Beautiful color wheel. Don't you love asking for help and getting terrific advice. Well your mom will be thrilled. You are so clever and it's absolutely darling!!! Happy binding.
- November 21, 2008 at 12:57 PM
- Abby and Stephanie said...
P.S. Your machine quilting on your houses looks wonderful.
- November 21, 2008 at 12:59 PM
- em's scrapbag said...
The color wheel turned out great. Glad there are so many knowledgable quilters out there to help when we get stuck. Your little house as always are a favorite.
- November 21, 2008 at 1:15 PM
- Rebekah said...
that quilt table topper is so cute and it is really great that you can see a house from any direction
- November 21, 2008 at 1:26 PM
- Melanie O said...
I am so in love with that little house table topper - I can't stop looking at it! It is truly wonderful!
- November 21, 2008 at 1:53 PM
- audreypawdrey said...
I love the house runner. It is so cute! I really like how they will be visible from all around the table. The colorwheel is gorgeous. I keep thinking of making something like that as a baby quilt.
I love the little quilt you received from Kris, too. So pretty! She is so sweet to send that to you. :) - November 21, 2008 at 2:07 PM
- driftwood said...
those houses are adorable, and lots of new links to explore too! off to meet new quilters!
- November 21, 2008 at 2:09 PM
- Unknown said...
I love how your color wheel is turning out! I guess the fusible interfacing worked well for you... yay! I love your other little quilt so adorable. You are right it is great to blog and the people are quite friendly. Thanks for joining in on my challenge. I can't wait to see what you come up with. Feel better!
- November 21, 2008 at 2:10 PM
- Lisa said...
I love your work, those houses are adorable. Your mom is very lucky!
- November 21, 2008 at 2:38 PM
- Yummers! said...
The table runner for your mom is one of the most adorable thing you've ever made. How darling!! She'll love it! I love to applique... maybe in the cold. dark months following the holidays.
Thanks for the inspiration you clever lady!
Joni - November 21, 2008 at 3:00 PM
- Tanaya said...
Have fun in Chicago & say hi to my family while you're there! Oh wait, you don't know them.
I'm a bit jealous you know. Just because your MOM says she want a table runner with your houses on it she gets it...but I want a table runner with your houses on it too! But no, there were no adorable houses on my table at my birthday!
Just kidding of course. I wish your mother a super fantastic birthday and I wish you many pain-free days of happy quilt making! Thanks for sharing your creativity here, I just love it all. - November 21, 2008 at 3:46 PM
- Leanne said...
As always Jacquie your work is beautiful. I had a little chuckle wondering if your mum stopped scrolling down...I'm not sure if I would have the will power not to peek.
- November 21, 2008 at 4:14 PM
- A Spoonful Of Sugar said...
Your Mum's table runner is just gorgeous!! Love the sweet little houses - she is going to be thrilled with it. Hope you neck and shoulders settle down soon - I get similar symptoms and it is no fun!
- November 21, 2008 at 4:36 PM
- Sherri said...
The color wheel looks fabulous...and the present for your Mom is terrific! Hope you get to feeling better soon!
- November 21, 2008 at 5:03 PM
- Victoria said...
I adore your Mom's house quilt! What a great gift!
- November 21, 2008 at 5:10 PM
- Donna said...
How cute is that, I love the houses.
- November 21, 2008 at 5:20 PM
- Madge said...
they are all beautiful!
- November 21, 2008 at 5:22 PM
Beautiful color wheel, Jacquie...
I wanna ask you something, after I do basting, can I do quilt sewing by hand without a "round tool" like the one for hand embroidery (what's the name?haha...sorry for always bother you )? - November 21, 2008 at 8:19 PM
Beautiful color wheel, Jacquie...
I wanna ask you something, after I do basting, can I do quilt sewing by hand without a "round tool" like the one for hand embroidery (what's the name?haha...sorry for always bother you )? - November 21, 2008 at 8:19 PM
- Amanda Jean said...
I really love the houses tabletopper for your mom. I'm sure she will LOVE it.
- November 21, 2008 at 11:10 PM
- Kathi Thompson said...
I know I can always go to your blog for inspiration. Thank you.
- November 21, 2008 at 11:19 PM
- Stephanie D said...
THat table topper is so clever! She got just what she asked for!
Have a good time with hubby this weekend! - November 21, 2008 at 11:35 PM
- Sharon said...
I LOVE your table mat for your mom! Your houses are so whimsical and charming - just joyful! I'm sure your mom will love this! And I love that you can see an upright one from any direction. I agree - you should make a pattern!
I really like your color wheel too. That looks like a tough one to do! So pretty!
Lucky you, winning that cute little quilt!
Try the alternating (15 min each) hot and cold packs on your neck and shoulders, and then give them a rest. Over the weekend should help - hope you feel better soon! - November 22, 2008 at 12:06 AM
- Tonya Ricucci said...
love the table topper. you have such a great eye for color and fabric. wonderful job. now stop overdoing it - you don't want to make it worse
- November 22, 2008 at 2:10 AM
- syko kajsa said...
I love the color wheel! I have started a quilt with balls/wheels in different sizes and colors, this makes me really inspired to go on with it, maybe when Christmas is over...
Love the houses! - November 22, 2008 at 2:21 AM
- Rita said...
Your work is beautiful! Maybe one day I will take the leap on quilting. Your work inspires!
- November 22, 2008 at 5:17 AM
- Tine said...
The tabletopper is fantastic!!
- November 22, 2008 at 7:00 AM
I love the houses!!! I have been so wanting to make some little ones myself. Yours are wonderful!!!
~Emily in Norway - November 22, 2008 at 8:11 AM
- Darcie said...
You're just full of pretty things, Jacquie! I would never guess that you're having pain or discomfort. Way to work through it all and find happiness.
Happy travels! - November 22, 2008 at 9:19 AM
- Cheryl Arkison said...
It looks like your free motion is taking off! I really like the table runner.
- November 22, 2008 at 2:24 PM
- Lily Boot said...
your little house quilt is divine and I agree with calicodaisy - you should turn your hand to patternmaking! And your free motion quilting is looking very round and flowing - pretty!
- November 22, 2008 at 3:45 PM
- Clare said...
That's the beauty of Wordpress. The commenters have to leave an email address. I get bad neck pain due to too much time on the computer and sewing. My neck pillow, which goes under the normal pillow, is my life saver.
The pink house is my favourite. I love the round windows.
And no - Thank You! - November 22, 2008 at 4:15 PM
- Dawn said...
Cute, cute houses! How adorable that they can be viewed from any angle -- your mom is going to love that for her tabletop.
- November 22, 2008 at 6:19 PM
- Michaela said...
Oh, I can't wait to see what will happend with the color wheel next.
I love the table topper.
Do you have some kind of interfacing under the those houses?
If yes, what kind? - November 22, 2008 at 10:14 PM
- Shari said...
I LOVE the table runner for your Mum. She'll be so happy with it. I like the colour wheel quilt as well. Not sure of the scale on that as I'm new to visiting you and haven't check past posts. I'm visiting your site from Chookyblue. If you publish a pattern for the table runner I would be interested!
Cheers! - November 23, 2008 at 3:46 AM
Wow, those houses are absolutely adorable! It turned out fantastic!
And the color wheel looks so cool! I love it! - November 23, 2008 at 5:34 AM
hi, I'm with jackie i would love to live there, sewing, library, swimming, have been a fan of your blog for ages, love all you do keep up the inspiration. susan. (australia)
- November 23, 2008 at 5:35 AM
- bonnie said...
your house table topper is beautitful, right along with all of your work. i am taking a class after the holidays to learn how to quilt (free motion) and i cant wait. i hope your shoulder is feeling better soon.
bonnie (sunflower43) - November 23, 2008 at 6:45 AM
- Cara said...
Oh my- I love the little houses table quilt! It is a great idea to have the houses right side up wherever you sit! Love it! Hope you feel better soon!
- November 23, 2008 at 9:05 AM
- Rachel said...
Such a sweet table runner! You're mom will have a nice surprise!
- November 23, 2008 at 6:40 PM
- The Calico Quilter said...
The color wheel is marvelous. And the table runner? Adorable. I read the other post about your break-in attempt. So sorry that they caused you and your family worry and work. They were just punks. There's something in the air about break-ins. I keep hearing about them. Joan's blog said her neighbor was robbed by 15 year olds - imagine that.
- November 24, 2008 at 4:06 AM
- Peg - Happy In Quilting said...
The houses are amazing...your Mum will just love the table topper...
- November 24, 2008 at 6:39 PM
As always you have beautiful quilts. I love the Dresden plate and hope to one day actually make one too. For now it's just strips and squares.
- November 24, 2008 at 7:05 PM
- Jane's Fabrics and Quilts said...
I have always wanted to make a color wheel, it is wonderful! and I agree with calicodaisy, i would buy those house patterns in a flash, I just love that. Congrats also on you win! way to go girl!
- November 24, 2008 at 9:07 PM
Everything is just beautiful! I love the table runner most especially...those houses are so quaint and whimsical.
I hope you feel better soon! *hugs* - November 25, 2008 at 7:44 AM
- Doris said...
That table topper is so adorable! What a great way of making it!
You are so lucky with the bloggy giveaways...I know I still owe you a gift, I'm hoping to mail it this week! - November 25, 2008 at 1:00 PM
- Kristin L said...
The table runner is wonderful! I'm a sucker for houses and this is soooooo fresh and cute!
- November 25, 2008 at 3:06 PM
- Finn said...
What great pictures! I love the table runner for your mom, it's really a great design. Hope all the aches are gone soon! Hugs, Finn Have a happy Turkey Day!
- November 25, 2008 at 4:59 PM
- Katherine said...
Your colourwheel is looking so beautiful. Oh, how gorgeous! I love the houses table runner you made for your mom. The design, the fabrics... it's just perfect!
Congrats on the giveaway win from Kris!
Hope your shoulder gets to feeling better soon. - November 26, 2008 at 8:55 AM
- Kieny The Dutchlady said...
I love the houses, that's such a nice gift for your mum. I have to try one of those colorwheels.
- November 27, 2008 at 5:25 AM
- Dallas said...
The houses are really cute. And the color wheel looks great. I hope your mom enjoys them and you feel better soon.
- November 28, 2008 at 11:10 PM


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How Your Credit May Affect Your Life Insurance Premiums
Does your credit history partly determine the cost of your life insurance?
It may. The potential for such a relationship may surprise you - and the relationship is not without controversy.
Some insurers believe a good credit history implies several things
Many insurance providers believe a strong credit history is characteristic of a consumer who is mature and routinely lives up to financial responsibilities. A bankruptcy on your record may lead to increased premiums.1
Other types of data may also be evaluated
In addition to credit history, insurance companies may also look at a consumer's driving record, criminal history, use of prescription medicines, and occupation. All this may affect life insurance coverage and premiums.1
Why are life insurance providers interested in all this information?
They want to make their business models more efficient. Insurance providers know that life insurance underwriting usually takes weeks or months and includes a medical exam. They believe that by basing it on partially predictive models, insurers remove a psychological hurdle that stands in the way of some policy sales. This sort of underwriting can take as little as 48 hours.2
So, yes, your credit history may affect what you pay for life insurance
While it may not be a prime factor, it does exert an influence. That is another good reason to keep your credit score high.
1. Nerdwallet, April 29, 2022
2. Investopedia.com, April 24, 2022
The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. Please consult legal or tax professionals for specific information regarding your individual situation. This material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named broker-dealer, state- or SEC-registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. Copyright FMG Suite.


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Following a letter to Albert Erskine regarding other matters, Warren includes the postscript "The State Department has take WSFN for translation into some 18 or 20 African abd [and] Asiatic languages. We can all retire."
Mike Thelwell apologizes for misspelling Warren's name in an earlier letter (of 5/14/64). In a postscript he mentions Flood.
Related Documents:
Thelwell to RPW Letter 5/14/64
Thelwell to RPW Letter 5/25/64
Thelwell to RPW Letter 5/30/64
Thelwell to RPW Letter 8/5/64
Dr. Fredric Solomon writes to enclose a copy of a paper he read at Howard, as Warren had requested. He references research on the psychology of student protestors. He was pleased to make Warren's acquaintance at Howard and hopes they will meet again soon.
Includes quotes from Dolbier, Woodward, Poore, Murray, Maddocks, Coughlin.
A first proof of the revised back cover and a copy of this page with additional notes are available on this site.
Erskine writes to Warren (for whom he uses the familiar name Red) regarding the location of carbon copies of poems and of various copies of Who Speaks for the Negro?.
Albert Erskine explains Joe Blotner's delayed visit with Warren. He also mentions the upcoming Vintage edition of Who Speaks for the Negro?. He hopes that the preface for that edition may be delayed as long as possible in order to account for any events that may take place before the Vintage publication date.
In a familiar letter to Albert Erskine in which he describes family life, Warren mentions "some very fine letters" regarding Who Speaks for the Negro? including one from Niebuhr, which Warren encloses. Warren says it came "out of the blue" and was not the result of his sending a copy.
Warren requests seven copies of his book to be sent "before the ponds freeze...
Warren sends Albert Erskine two potential texts for the epigraph to the book.
Warren writes to Albert Erskine from France regarding a correction about the place of DuBois's death, in Ghana rather than Nigeria as it was printed in the first edition.
Warren also updates Erskine on family matters and refers a young author to him.
Priscilla Finness Rushmore, a reader, complains about typographical errors in Who Speaks for the Negro?, which she read in preparation for Warren's visit to Rosemary Hall School. The school library has purchased the book, but the errors will prevent her from buying a copy for herself.
Request for a book to be sent to J.H. Silversmith, Jr., President of the National Jewish Hospital
Requesting financial support for a community newspaper in Vicksburg, Mississippi.
Suzanne Baskin writes Albert Erskine regarding final publication details. She also mentions some personal matters and other business.
Seeking information about lawsuit related to Aunt Jemima Pancake House.
Seeking information about a lawsuit regarding Aunt Jemima Pancake House.
Clarifying the date of RPW's return and his availability for a Q&A period
Suzanne Baskin sends Warren a Faulkner quotatation. She mentions the schedules of the editorial staff and a memorandum about a change in publication date for the book.
Erskine reports on his progress reading chapters. He explains his personal schedule, editing needs, and availability to Warren; he emphasizes the urgency of completing revisions.
Erskine has heard that Warren may go to Germany but hopes it is a false rumor because he "cannot imagine anything that is taking place in Germany that could possibly be one-tenth as important to you...
Initial request for permission to quote from a Marlene Nadle article
Signed permission request allowing quote from a Marlene Nadle article
Handwritten list in two columns of words and phrases related to Who Speaks
Comments on the spiritual and social nature of demonstrations
Comments on the connection between automation and demonstrations, social unrest, and economics
Discusses racism and responds to Du Bois's concept of split personality
Discusses black demonstrations as related to America's image in the rest of the world
Courtesy of Vanderbilt University Special Collections and University Archives. Photo by Peter Fink.


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31mm OD. 6.15mm shim. 25mm skirt.
Nissan RB26DETT Shim-Less DLC Coated Cam Follower.
KCF-182S have a 6.15mm 'shim' thickness for the 182-S and 182-SE camshafts.
6.15mm 'Shim Thickness' for 31.42mm base-circle cams.
Kelford Cams DLC Coated Buckets Feature:
- larger internal fillet and reinforced skirt.
- Increased rigidity increases both camshaft and bucket longevity.
- DLC coated follower surface decrease friction
- Decreases surface wear and oil temps
- Improves torque required to turn the camshaft.
Disclaimer: Installation by a qualified tradesperson is strongly recommended. These cam followers are not a drop in solution
Note: There is a fixed internal length for each part number. Setting valve clearance (Lash) is required by adjusting valve tip heights, seat cut depth and camshaft base circle size.
GameOn Motorsports warranties are void when the product in question has been physically altered, improperly installed, used or otherwise damaged due to no fault of GameOn Motorsports or has not been used for the said purpose it was intended or for which it was designed. GameOn Motorsports does not warrant the performance of the products due to lack of control during product installation and usage.
GameOn Motorsports shall not, under any circumstances, be liable for any special, incidental or consequential damages, including, but not limited to, damages or loss of other property or equipment, loss of profits or revenue, cost of purchased or replacement goods, or claims of customers of the purchaser which may arise and/or result from the sale, installation or use of these parts.
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Returns are only available for dispatched orders that contain supplied goods that are wholly or partly defective in appearance, incorrectly packaged or sent in error by fault of GameOn Motorsports, or the goods fail to operate in accordance to their specification or duration period.
Should the need arise to return a product or products please advise us by phone 0434 162 858 or email us at firstname.lastname@example.com within 7 days of the date of receipt of your order. GameOn Motorsports will resupply your order promptly or any part thereof freight free in instances upon receipt of the returned goods which are in error by fault of GameOn Motorsports or obviously defective from manufacture.
Exchange of items is offered only when the product is unused, package is not opened and within 7 days of the date of receipt. The credit will not include any shipping and handling charges forming part of the purchase price. Customer must pay the return postage and must ensure that the returned Goods are received by GameOn Motorsports in as-new or as-shipped by GameOn Motorsports condition, exchange will be refused if GameOn Motorsports has not received communication on the product being returned.
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You are about to leave JH Preferred Prepaid CardClicking the CONTINUE button will take you to the Cannon County, TN - Plate Renewals website where you can sign up to pay bills with your card.
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The biller listings in this directory are not comprehensive and are subject to change. Links to third-party biller sites and phone numbers are provided for your convenience. This site neither endorses nor guarantees any offerings of the biller providers, nor does this site make any representation or warranty of any kind about the content, use of or inability to use, the biller sites or any products or services offered by such biller and/or on such sites. By leaving this site, you will be taken to a biller site that may offer a different privacy policy and level of security and terms of use.


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- 2 Corporate Center Drive Suite 110 Melville, NY 11747
- 877-781-7788
- 516-753-6160
Adjustable rate mortgage (ARM) loans always grow in popularity when interest rates are on the rise. Some borrowers think ARMs are the best way to save money on their mortgage in a higher rate climate. ARM loans can also be helpful for those who do not plan to stay in their home more than a few years. Whatever the reason, if you are considering an adjustable rate mortgage here are three things you need to know before signing.
Of course, you already know that an adjustable rate mortgage means that eventually your loan interest rate can adjust higher or lower, but there are many different types of ARMs and it is essential to know when your loan will start adjusting. There are 3/1 ARMs, 5/1 ARMs, 7/1ARMs and 10/1 ARMs.
The first number in the loan title refers to the fixed rate period at the beginning of the mortgage. So a 5/1 ARM, for example, indicates that the low, initial interest rate will not change for the first five years of the loan. The "1" in those ARM loan titles means that after the introductory rate period, the interest rate on the ARM loan can change once year thereafter. Typically, your initial rate will be higher the longer your introductory fixed rate period is.
The terms of your ARM loan will include interest rate caps, meaning a ceiling to how high your rate can climb. Lenders will choose a common financial index and add a margin to it to determine your interest rate. For example, your margin may be 2.5%. If the index is currently at 2%, your interest rate would be 4.5%.
When the rate begins to adjust there is an initial rate cap that says your rate can only increase by so much for that first time. This is to make sure any increase is not so significant that you can no longer pay your monthly bill. The initial rate caps are commonly either 2% or 5%. So, if your first rate was 4.5% and your rate cap is 2%, your first adjustment rate could not be more than 6.5%, regardless of how much the index has risen.
There is also a subsequent rate cap with most ARMs that stipulates how much the rate can rise during the following adjustment. This is often 2%. And all ARMs include a lifetime rate cap which is the maximum percentage that your rate can change at any time during the life of your loan – often 5%.
Every ARM loan is tied to a commonly used financial index in order to move according to general economic trends. The most common indices are the one-year LIBOR (London Interbank Offered Rate), the weekly yield on the one-year Treasury bond, the COFI (11th District Cost of Funds index) and the CST (Constant Maturity Treasury.) While they all move at roughly the same pace as current economic conditions, it is important to know the one to which you should be paying most attention.
Smart and savvy home buyers can make ARM loans work to their financial advantage if understand the essential about their adjustable rate mortgages. Borrowers should make sure they can afford their loan payments even at the highest interest rate caps. This will help reduce the risk of ARM loans.
An Adjustable Rate Mortgage isn't for every one or every situation, give East Coast Capital Corporation a call today at 877-781-7788 . One of our experienced loan officers can help you decide if an ARM loan would be right for your particular situation.


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Few eye issues are as simultaneously subtle and annoying as a twitch that comes on suddenly and/or recurs frequently. A twitching eyelid may not appear visible to the people around you at all, but it can make you feel highly self-conscious and drive you to search for the cause and the cure. Unfortunately, there are so many possible reasons for the twitching that figuring out how to stop it can prove a most challenging task. The good news is that most of the reasons for eye twitching pose no serious threat to your ocular or neurological wellbeing.
Causes of Eye Twitching
Perhaps most common recognizable cause of eyelid twitching is dry eye syndrome. Dry eyes may afflict you if you spend lots of time staring at a computer screen, you are exposed to air conditioning or wind, or you have a medical condition that impairs tear production. Using eye drops and reducing your exposure to dryness triggers may not only help your eyes feel better but also eliminate the twitching. Other common causes include eyestrain, fatigue, caffeine abuse, and allergic reactions. Your twitching eyelid may also be an indicator of a condition known as blepharitis. Blepharitis is an irritation caused by inflamed oil glands next to the eyelashes. Your eye care professional can recommend several home remedies to help you get this problem -- and hopefully the twitch -- under control.
Neurological problems can cause eye twitches as well. Just as the nervous system's countless branches send motor signals to every part of the body, certain nerves send commands to the muscles in the face, including the eyes and eyelids. A variety of issues can interfere with optimal nerve signaling, causing the muscles attached to these nerves to go into spasm. Your twitching eye could therefore be part of a larger facial tic known as a hemifacial spasm, especially if the eye closes completely with each twitch. This condition is sometimes treated with Botox injections. Other neurological conditions can also affect the facial nerves to produce twitching motions.
Diagnosis and Treatment
Less commonly, eye twitching can be a sign of an ocular disorder that requires treatment by an eye doctor. These conditions include uveitis (an inflammation of the iris), conjunctivitis (the infamous "pinkeye"), and entropion (inwardly-turned eyelashes, mostly seen in older patients). Your eye care provider can discuss your symptoms and medical history with you to help you figure out how best to cope with that annoying twitch.


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Gel II By The Bay G095
This product is currently sold out.
La Palm Products® presents, Gel II™ Soak Off Gel Polish, luminous nail color that applies faster, feels thinner, and lasts long. Forget base coats, bond-aids, and primers. Gel II™ delivers a fast two-step professional system that is unique from any other on the market.
Bottle Size: 0.47 fl oz/ 14ml
Bottle Size: 0.47 fl oz/ 14ml


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How can I get more people to visit my profile?
Follow these tips to get more traffic to your profile:
1. Participate in as much of the site as you can. Talk to people in chat rooms, post in the forums, request friends, etc. This is a sure-fire way to generate interest in you and your profile.
2. If you use any other sites like MySpace or have a blog, add links to your MocoSpace profile
3. Make your profile interesting! Upload your photo, customize the background and colors, and post lots of info that is real and unique to you.


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One of our visitors Video Hosting sent us a short film that he has made. He would like to share it with other Behindwoods visitors. If you liked the short film and would like to contact Video Hosting , his detail is: firstname.lastname@example.com.
The visitor claims that video is his/her own. If the video infringes any copyrights that you hold, please email us.
Want to publish your Short Film in Behindwoods.com?
Please send an email to with the following information.
1) The YouTube link of the short film or the embedded link. 2) The poster of your short film. 3) A short summary of what your film is all about.


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Bunions are progressive bone deformities of the foot that often cause recurring or chronic inflammation, irritation, and pain that require surgical correction. Surgical removal of a bunion is called a bunionectomy . However, there are multiple types of bunionectomies, each designed to resolve different structural changes caused by the deformity.
Bunion surgeries fall into two major categories:
- Head procedures that treat the big toe joint. In a head procedure bunionectomy, the bone is cut just behind the joint, moved into its proper position, and fixed in place with a screw or pin. Head procedures are often used for patients who cannot be immobilized for long periods of time.
- Base procedures concentrate on the bone near or behind the big toe joint. Different types of base procedures are conducted depending on the nature of the deformity. These range from cutting a wedge out of the bone and splitting it so that it can be moved into its proper position; making a semi-circular cut and rotating the bone into its correct position; or fusing the joint. Ligaments inside and outside the toe may also be treated during a base procedure.
There are three important factors that impact the success of bunion surgery:
- Choose a surgeon with extensive experience with bunionectomies . Because a deep understanding of the biomechanics of each patient's foot as well as the intricacies of each surgical option is needed, surgeons with more experience at doing bunionectomies are better able to help each patient achieve the best outcome.
- Be realistic in your expectation about what a bunionectomy can accomplish . No physician can guarantee that a bunion won't recur or that a patient will be absolutely pain free. Additionally, because of the complexity of the foot structures impacted by a bunion, patients may never be able to wear normal or slender shoes. Bunion surgery can reduce or eliminate the bone deformity, improve foot alignment and function, and prevent damage to other toes, but it does have its limitations. Be sure you understand all the possibilities before opting for this surgery.
- Bunion surgery is not a magic bullet. Surgery alone may not be all that is needed to achieve your best outcome. After surgery, many patients experience long healing and recovery times and often have to spend time in physical therapy. Additionally, you may need a corrective orthotic device on an ongoing basis.
What To Expect
Most bunions surgeries today are performed on an outpatient basis at a surgical center or hospital. Set aside the entire day for the surgery, although you may only be at the facility for a half day.
Prior to the surgery, patients will need to make some preparatory arrangements. These include:
- Seeing your Primary Care Physician (PCP) to make sure any other health conditions are stabilized prior to surgery and to document your complete medical history, which can then be given to the foot surgeon.
- Arranging your schedule to make sure you don't need to take any long trips for at least two to three weeks following the surgery.
- Lining up another person to drive you home and stay with you for the first 24 hours after the surgery.
- Stopping the use of any anti-inflammatory medications, such as aspirin, ibuprofen, or acetaminophen, for five to seven days before the surgery.
The night before the surgery, you will not be able to eat or drink anything after midnight. You should also wash your foot the night before and morning of the procedure to help reduce surrounding bacteria and prevent infection.
Bunion surgery is usually performed with a local anesthetic and is administered by an anesthesiologist. This may be combined with sedation medication to put you into "twilight" so that you are fully relaxed. After the surgery, patients are often given a long-acting anesthetic and pain medication, which is why someone else must drive the patient home.
The type of procedure you have will determine the degree to which you can put weight on the foot immediately after the surgery. Some patients, particularly those having base procedures, may have to use crutches; others may be sent home wearing a surgical shoe. The foot will be covered in a dressing, which you will need to keep dry for up to two weeks or until the sutures are removed.
During the first week after surgery, you will need to keep the foot elevated as much as possible. Ice packs also should be applied for the first three to four days to reduce swelling. Limited ambulation or walking is required over the first two weeks to promote healing. Most patients also are instructed on some basic exercises that need to be performed daily.
Sutures are generally removed about two weeks after the surgery in the doctor's office. Once the sutures are removed, you can bathe and shower normally, but will still need to wear a dressing over the wound to keep it clean and prevent infection.
By the third or fourth week post surgery, swelling generally subsides enough for the patient to begin wearing a wide athletic shoe. It is important to continue daily exercises. If recommended, physical therapy may be initiated at this time. Once the wound has completely closed, you can use lotions to soften the skin in the surgical area.
By week five after the surgery, you will be able to walk short distances and do mild fitness activities. Continue following your surgeons instructions for increasing exercise and activities until you are back to normal.


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Dr. Criveanu is available Tuesday thru Friday from 9:00 AM until 5:00 PM. Dr. Clark is available Monday thru Tuesday from 8:00 AM until 3:00 PM. We will schedule your appointment as promptly as possible. Please allow approximately 90 minutes for your initial visit. If you have pain or an emergency situation, every attempt will be made to see you that day.
We try to stay on schedule to minimize waiting at the time of your appointment. Referral of emergency patients can cause delays to the schedule, and your understanding and patience are very much appreciated.


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Payday loans Hiland: what are they?
Hiland payday loans have become a very common, convenient, and easy way to resolve financial issues. Situations can be different: sometimes you need money urgently, but you can't loan from friends or kin. The way out of the situation is simple – issue a microloan from a credit company on the most favorable terms.
A "pre-salary" loan is usually a small credit issued to a person for a short period (up to one month, as a rule). The maximum amount you can loan is usually up to $ 500.
But what to do if your credit record is bad, but you need a pay day loan Hiland in Wyoming WY right now? The bank institutions refuse to issue a loan, and your kinfolk can't help. There is a way out. Apply to a credit company to get a credit. Your bad credit history is not an obstacle because the Hiland payday loans from microfinance organizations are issued without a credit record check. Getting money is possible even without leaving your house because you can apply for a microloan online. All a person needs to do is skip to the site of the credit company, complete the web form, and get online loans.
What are the principles of the Hiland payday loans work?
Loans from microfinance organizations have several features that you need to pay attention to before taking the instant Hiland payday loans online.
First, credit companies issue only small amounts, usually up to $500.
Secondly, cash loans online are issued for a short period. The debt must be returned within a month; in case of delay, a penalty fee will be charged.
Thirdly, the lending rate in microfinance organizations is slightly higher than in banks. However, most credit companies proffer flexible lending terms and have various promotions.
Getting a short-term loan for a small amount is possible for the citizens of the USA who have reached the age of majority. You do not need to visit a credit company's branch. It's enough to have access to the Internet and correctly fill out a simple application form. Provide a minimal package of documents confirming your age and solvency to get a loan online. The amount can reach $500. But as a rule, a loan is issued for a smaller amount. Online payday loans Hiland in Wyoming WY are issued immediately after verification of the entered data. The period for which the cash advance is issued is usually 30 days.
There are a lot of benefits when you get a loan from a microfinance organization:
- Unlike banks, microfinance organizations rarely refuse to give loans. They collaborate with any potential borrowers, even those with a bad credit history. On average, loans are approved by 90-95% of those who applied for them.
- Simplicity and high speed of applications' processing. You only need to provide a minimum package of documents, and the application processing time takes several minutes.
- You can apply for a fast loan online without leaving your house. Money is transferred to a bank card; after that, the loan recipient can spend it as he/she wants.
- You can apply for a loan at any time of the day or night. Credit companies' sites are available around the clock.
- The simplicity of the repayment of the debt. The borrower can choose any of the convenient ways to pay off the debt.
What to do to get approval for online payday loans Hiland in Wyoming?
Almost all the loan applicants get Hiland payday loans online to the bank card. To obtain a loan, you must correspond to some simple requirements.
- All loaners must be 18 and more; otherwise, the loan receiving will be illegal;
- A person must have a stable income and be ready to confirm it by providing the appropriate documents;
- A loaner must permanently live in the USA and have a bank account;
- All the data of the application form must be completed correctly. If a mistake is found, your loan application will be rejected.
If you meet all these requirements, you can easily receive a loan. Moreover, your credit record is not important. The credits are issued with no credit check. Remember, all the loans must be returned in time; otherwise, high penalties will be charged. Before you take a loan, think carefully about whether you will be able to cover it.
Does a person need to wait long to get approval for the easy payday loans Hiland in Wyoming?
The process of approval takes only several minutes. It's recommended to study the conditions of the loan treaty carefully before you take credit. The creditors set some conditions you must fulfill to get payday loans Hiland no credit check. After your loan request has got approval, you will be able to get in touch with direct lenders. You must provide some papers to get a loan. Your credit record is not being checked. The loan is issued quickly. So, if you need cash promptly, payday loans Hiland no credit check is a great solution.
Can a person get several payday loans Hiland online?
The activity of all microfinance organizations is regulated by the laws of the state. They must strictly adhere to all the requirements prescribed by the law. According to the state legislation, one loaner can get only one credit. All the conditions of the credit obtaining are specified in the loan treaty. You must study it thoroughly before you take a loan. Don't forget that "pre-salary" loans are given for a short period. You must cover it in time not to get high penalties for late repayment. Don't borrow if you are not sure that you will be able to return your debt within a specified period.
What additional fees for checkmate payday loans Hiland in Wyoming WY must a person pay?
Usually, a loaner has to pay the additional fees if he/she wasn't able to repay the loan in time. You can find all the information about the additional fees, penalties, loan cost, and others in the loan treaty. So, read this document carefully not to get into an unpleasant situation. Sometimes, the interest for the loan usage can be higher than the loan amount itself. Mind this, please, before you conclude a loan agreement. If you are sure that you will be able to return borrowed money in time, "payday loan" service can become a great solution.
What is the procedure of the Hiland payday loans online obtaining?
When a question arises: " I need a loan. Where can I take payday loans Hiland near me?" – a credit company can help. You can apply for a loan from your home. Just apply your computer or a laptop with an Internet connection to qualify for a credit.
The procedure of the payday loans Hiland no checking account obtaining is simple and doesn't require much time. The following steps are needed to perform:
- Choose a microfinance organization that proffers the most favorable terms on the Internet;
- Find the conditions of the loan obtaining on the official site of the credit company;
- Using a credit calculator, calculate how much you will have to overpay for your loan;
- Apply for a micro-loan. Indicate your personal details in the application by filling out all the empty fields. Specify only correct information, since all the data will be checked. If a mistake is found, the credit company will most likely refuse to issue a loan. You should also add the scans of the required documents.
- Wait until your loan request is accepted or denied;
- Conclude a loan treaty that will be sent to the email address specified in the application. Before you conclude a contract and take your loan, the document should be carefully studied. It specifies the rights and obligations of the loaner and obligee and other important information.
- Get your loan to your bank card;
- Pay off your debt.
Taking a loan from a credit company is easier than taking a loan from a bank. The requirements are reduced to the minimum. You must be of legal age, live in the USA, and have a stable income. Moreover, nobody will check your credit record. The main condition is to cover your loan in time.
Why a loaner's request can be denied?
As a rule, a person gets approval when applying for the payday advance loans Hiland in Wyoming. Sometimes, the applications can be denied. You will probably get refusal if:
- You are less than 18. In this case, a loan obtaining is illegal;
- You don't have a stable revenue, and you can't confirm your solvency;
- You are a dependent person;
- You don't live in the USA permanently;
- Your loan application was completed incorrectly.
These are the common reasons why you may get a refusal.
How much does a loaner have to pay for payday loans Hiland no credit check?
Before applying for a loan, skip to the credit company's site to study how much you will have to pay for your credit. Most often, the lenders take $15 for every $100 you've borrowed from them. Moreover, if you weren't able to pay the installment in time, the penalties are being charged. Mind this, please, before you conclude a loan treaty. Payday loans are available 24/7, so if you need cash urgently, you can borrow even at night. The main condition is to cover your loan within the indicated period.
What methods can a person apply to pay off 24 hour payday loans Hiland in Wyoming?
All 24 hour payday loans Hiland must be paid off in time; otherwise, high penalties will be charged. So, what methods are available to cover your loan?
If you think: "How can I pay off my loan near me?" – the following information is for you.
- The most convenient way to cover your loan is to pay on the site of the credit company;
- You can also go to the bank department near you to pay for your quick microloan;
- Terminals are also a great solution when you want to cover your loan fast.
Don't forget to cover your loan in time. Late loan repayment leads to the penalties.
What alternatives the person has to avoid the best payday loans in Hiland of Wyoming obtaining?
The credits from microfinance organizations have a lot of advantages, though disadvantages can also be distinguished. They are:
- High interests;
- High penalties for late repayment;
- A small amount of the loan.
That's why some people search for other alternatives not to take the loans from credit companies. So, how can you avoid a payday loan obtaining?
- Try to economize;
- Borrow a loan from a bank if you have a good credit record;
- Try to borrow from your colleagues or friends;
- Ask for help from your relatives.
How to choose a reliable credit company?
Today, there are a lot of credit companies on the Internet. But how to choose a trustworthy company to get the best 24 hour payday loans Hiland in Wyoming WY on favorable terms? Pay attention to the following:
- Interest rate. It determines how much you will have to overpay in the end.
- The term for which the microloan is issued. You can get a payday loan for a period from 1 day to 1 month.
- Terms of the loan issuing. One of the most important conditions in any credit company is the age of the borrower. Only loaners who have reached the age of majority can qualify for the credit obtaining.
- Rating and reviews. These indicators show how satisfied customers are with the work of a particular credit company.
If you are in search of money, apply to the credit companies to get financial help. You will need to spend several minutes to complete the procedure of the loan request filling out. After your loan request is approved, get the money on your credit card. Don't forget to cover your loan in time, not to get high penalties!


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Pink Sequence - Cheer Bow Elastic - 5"
A fun way for your little ones to style their outfits. Perfect for every day or to dress up their pretty little outfits. To see the finishing details, please zoom in & take a closer look. All our bows are handmade with love, and we pay close attention to detail. Rest assured that we use high-quality fabrics because we know that your little ones deserve the best. For more information on the bow please read the details below
- Our bows are hand-made with high-quality vegan leather! Comfortable & most important holds hair well
- Patterns & color may vary on each bow/product depending on the cut & lighting
- all bows are secure, however for safety reasons please ensure your child does not put any of our bows in their mouth since they may pose choking hazards. Recommended age for embellishment bows is 5 years and up. Buyer assumes all responsibility.
Nylon Headbands:
- All our bows are offered on beige nylon headbands unless otherwise indicated.
- The soft nude nylon headbands will fit newborn to child. They expand and will not leave a dent, ensuring that they have long-lasting wear. Our alligator clips are perfect and remain in place for children with more hair.
- Please note if Nylon headbands have no quantities left, you can always purchase a grow with me band to attach to the alligator clip. Click here to add a "Grow With Me" band to your cart.
Alligator Clips:
- All our bows are available on silver alligator clips with teeth
- All bows are pre-made however if you have specifications on the direction of the bow, please indicate it in the comments. We will follow up with an email if the request is possible.


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Member Only Content (Join
Keeping the Faith—The Prison Project
Seattle, WA
dg resource directory
The act of submitting creative work for a dramatist is as necessary as finishing it. But the process of finding the right submission opportunity can feel overwhelming. This is why, for more than 20 years, the Dramatists Guild has compiled a submissions and opportunities database, and published a full directory of theatres, agents, festivals, contests, workshops, retreats, and other submission opportunities to help make the life of the dramatist an easier one.
This functionality is part of suite of resources designed to help playwrights, composers, lyricists and librettists.
Only active members or subscribers of the Guild may use the Resource Directory.
Update or Submit a New Listing Use our submission form to submit new listings or update a current one.
Not a Member? Join today and learn how membership in the only trade association for playwrights, composers, lyricists and librettists can serve your career.
Do you represent a Theatre? Become an Affiliate or Host Theatre.
Are you a Producer, Agent, Manager or Lawyer? Become a Business Subscriber.


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Playing EVO files now completely free!
Play EVO Files – Open movies and videos in many different formats…
Video, Image & Audio Player
MPEG-1, MPEG-2 and MPEG-4 playback. Media Player Lite is capable of VCD, SVCD and DVD playback, without needing any codecs. Play and open WAV, WMA, MP3, OGG, SND, AU, AIF, AIFC, AIFF, MIDI, MPEG, MPG, MP2, VOB, AC3, DTS, ASX, M3U, PLS, WAX, ASF, WM, WMA, WMV, AVI, CDA, JPEG, JPG, GIF, PNG, BMP, D2V, MP4, SWF, MOV, QT, FLV files. MPL also supports H.264 DivX, XviD and Flash Video.
Playing EVO On Windows – No Codecs
Designed to open EVO files on Windows XP, Vista & 7 without the need of EVO codec packs. Music playlists (mpl and m3u) can also be created, making it easy to open albums.
Minimalistic and Lightweight
MediaPlayerLite is a simple interface to make playing files easy and lightweight. It loads H.264, XviD, MKV, MP4 AAC with ease and uses GPU assisted acceleration and enchancing.
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MediaPlayerLite is free and open source based on the Media Player Classic – Home Theatre. Always enjoy MediaPlayerLite for free!
Can be used in English, Spanish, French, Chinese, Russian, Dutch, Japanese and many more languages.
More MediaPlayerLite Features
MediaPlayerLite – Best Software to Open Audio, Music & Sound Files
MediaPlayerLite is a extremely light-weight media player for Windows. It looks just like Windows Media Player v6.4, but has additional features for playing your media.
- Fast and efficient file playback and without any codecs.
- Advanced settings for bittrate and resolutions
- Batch conversion for many files needing to be converted.
MediaPlayerLite Features
- MediaPlayerLite is based on MPC-HT and supports the following audio, video and image formats: WAV, WMA, MP3, OGG, SND, AU, AIF, AIFC, AIFF, MIDI, MPEG, MPG, MP2, VOB, AC3, DTS, ASX, M3U, PLS, WAX, ASF, WM, WMA, WMV, AVI, CDA, JPEG, JPG, GIF, PNG, BMP, D2V, MP4, SWF, MOV, QT, FLV.
- Play VCD, SVCD and DVDs
- Option to remove Tearing
- Support for EVR (Enhanced Video Renderer)
- Subtitle Support
- Playback and recording of television if a supported TV tuner is installed
- H.264 and VC-1 with DXVA support
- DivX, Xvid, and Flash Video formats is available
- MediaPlayerLite can also use the QuickTime and the RealPlayer architectures
- Supports native playing of OGM and Matroska container formats
- Use as a Audio player.
- Based on the powerful MPC-HT software.
- Works on Windows 7, Windows Vista and Windows XP.
Open Many Audio and Video File Types
MediaPlayerLite allows you to enhance, decode and accelerate a broad span of movie formats like x.264 with GPU assisted acceleration and image quality enhancing. The MediaPlayerLite player does not require many system resources than the rest of the video media players to run smoothly. This is a low PC resources windows media player that runs on slower machines with older CPUs. Modern graphics card offer the possibility to decode partially or completely a video stream using DirectX Video Acceleration (DXVA), in order to reduce CPU usage dramatically. MPC-HC includes an embedded video decoder that uses this technology, to decode x.264, H.264 and VC-1 with hardly any CPU time required.
System Requirements
Works on Windows 7, Windows XP and Windows Vista