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Essential Oils to use EVERYDAY
There's an oil for that; No, seriously… There really IS an oil for that!
If you've spent anytime with me over the past several months you will know that I've come to absolutely LOVE essential oils. Not just any essential oils, mind you; from the research and reading I have done I have come to recognize the wide range of oils available on the market and to be honest, many are just not worth your investment and may in fact do more harm than any possible good.
We've all heard the saying, you get what you pay for and although there are exceptions to this rule, essential oils are not one of those exceptions. To get a therapeutic grade, pure oil it takes a very specific seed to seal process to ensure optimum quality and therapeutic benefits. Essential oils come from plants, they are the life energy of the plant (you could equate the essential oils of a plant to the blood in an animal, it's what provides nutrients, health and, ultimately life!). The medicinal properties are tremendous, our ancestors recognized many of these benefits because they were living in balance with nature; much of this wisdom was lost over the years as we became more industrialized and 'developed'. However, much of this wisdom is now resurfacing with a tremendous amount of science to back up what our ancestors had already discovered…
When you stop and think about it, essential oils make sense, as a part of natures way of providing for all living beings…
The Young Living oils and oil infused pure products can help us not only physically, but mentally, emotionally and spiritually as well.
And hey, if nothing else they SMELL SOOO GOOD!
The following oils are part of our Everyday Oils Collection, and are the basic oils that families around the world use everyday to maintain vibrant health!
Frankincense is considered a holy anointing oil in the Middle East, where it has been used by nearly every ancient culture for thousands of years. It has a sweet, warm balsamic aroma that is stimulating and elevating to the mind. Useful for visualizing, improving one's spiritual connection, and centering, it has comforting properties that help focus the mind and overcome stress and despair. To create an exotic scent in your home, combine frankincense and lemon in your diffuser. You'll enjoy an unforgettable fragrance while eliminating unwanted airborne germs. Frankincense is also a valuable ingredient in skin care products for aging and dry skin, so add a few drops in coconut oil and give your skin some longevity.
Lemon essential oil has a pleasant, purifying citrus scent that is revitalizing and uplifting. Lemon is great for removing household stains, disinfecting countertops, and even refreshing your laundry. Its powerful germ fighting constituents match lemon's pleasant aroma. Diffuse Lemon Oil to protect your home from airborne bacteria and put a drop in your drinking water for both extra vitamin C and to support a healthy liver.
Peppermint oil is one of the most highly regarded oils for supporting digestion. Some scientists have researched peppermint's role in improving taste and smell when inhaled. Dr. William N. Dember of the University of Cincinnati studied peppermint's ability to improve concentration and mental sharpness. Alan Hirsch, MD studied peppermint's ability to directly affect the brain's satiety center, which triggers a sensation of fullness after meals.
With its fresh, floral scent, Lavender is considered the most universal of all essential oils. Therapeutic-grade lavender oil is highly regarded as a skin and beauty tonic. Not only is it helpful for facial blemishes, but it can also be used to soothe and cleanse common cuts, bruises, and skin irritations. Lavender helps the body to relax and promotes restful sleep when rubbed on the bottoms of the feet, or inhaled at bedtime. It can also offer relief to sore muscles and muscle spasms.
PanAway (oil blend)
Gary Young created PanAway after a severe injury to the ligaments in his leg. This proprietary blend of soothing essential oils contains clove, peppermint, helichrysum and wintergreen, which is often used for massage. PanAway is soothing to the skin, while providing comforting warmth to muscles after exercise.
Thieves® (oil blend)
Thieves® was created based on research about four thieves in France who covered themselves with cloves, rosemary and other aromatics while robbing plague victims. This proprietary essential oil blend was university tested for its cleansing abilities. It is highly effective in supporting the immune system and good health. I add it to my tea, put it on scrapes and cuts, use it as a disinfectant and it's even great as a deodorant!!
Purification (oil blend)
Purification contains citronella, rosemary, lemongrass, lavandin, melaleuca alternifolia; and myrtle. It is one of the most cost-effective ways to purify and cleanse the air, neutralize odors and freshen laundry.
Learn More About Essential Oils
If you'd like to get started with Young Living and begin the transition to a home& workplace filled with life enhancing essential oils free of toxic cleaners, makeup, 'healthcare' products etc… Consider starting with the Premium Started Kit, an amazing investment for you, your family and the planet.


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Death sentence: UK prisoners not protected from secondhand smoke, court rules
The Court of Appeal ruled against a case brought forward by Paul Black, an inmate at HMP Whymott in Lancashire who said he suffered from health problems due to his exposure to secondhand smoke.
BREAK: Ban on smoking in public places does not apply to state prisons and— Darren McCaffrey (@DMcCaffreySKY) March 8, 2016
other Crown premises in England and Wales, Court of Appeal rules.
State prisons currently allow smoking in prison cells and exercise yards, but inmates like Paul Black may breathe a sigh of relief soon enough, as the British government still wants to gradually roll out a ban across its lockups in England and Wales.
A spokesman for the Prison Service said they wanted to phase out smoking "in a safe and secure way" instead of pushing it through immediately.
Lawyers representing the government said an outright ban could put both staff and inmates at risk.
Blimey #smokingban does not apply to prisons, says Court of appeal. Pretty surprised, prison governors relieved https://t.co/0yPuWxoUim— James Morgan (@Jamesaboutdrugs) March 8, 2016
So, there will still be a prison #smokingban but on the prison service's terms and timetable. Stupid. https://t.co/tZVvMm9p9F— Rob Lyons (@Robspiked) March 8, 2016
Hollywood films and TV shows portray cigarettes as currency inside prison. So perhaps due to an addiction to nicotine - or greed - prisoners threatened to riot in lower security jails last year after a non-smoking scheme was implemented inside the buildings, according to Sky News, who saw letters from inmates threatening violence in retaliation to any ban.
"If this ban comes in, there will be violence. Trust me," a prisoner wrote.
Around 80 percent of UK prisoners currently smoke, so the Prison Service might want to stock up on nicotine patches and gum.

subset: commoncrawl


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The Hagley Digital Archives provides online access to selected items from the Hagley Library's collection of images, documents, and publications related to the history of business, technology, and society.
Services rendered and expenses incurred by Pinkerton's National Detective Agency in connection with Special Investigation
Expense account for multiple operatives to be paid by Philadelphia and Reading Coal and Iron Co. Expenses include items such as room accommodations, postage, transportation costs, laundry, 'treating' suspects to drinks or meals, and other incidentals.
Pinkerton, Allan, 1819-1884
Reading Company
Pinkerton's National Detective Agency
Secret societiesEmigration and immigration--Social aspectsUndercover operationsPrivate investigatorsCoal miners--Societies, etc.HotelsTravel costsExpense accountsCoal miners--Social life and customs
Philadelphia (Pa.)
Molly Maguires (Organization)
records (documents)
1 item (5 pages)
reformatted digital
Manuscripts and Archives Department, Hagley Museum and Library
Reading Company records (Accession 1520)
Series III Subject Files, Box 1001, Folder 4
[Description and dates], Hagley ID, Box/folder number, Reading Company records (Accession 1520), Manuscripts and Archives Department, Hagley Museum and Library, Wilmington, DE 19807
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Happy Birthday Lois Ehlert - November 9
Throughout September and October my youngest son paid close attention to his wildflower garden. He had planted seeds in the garden in early spring and watched many of the flowers grow taller than himself by the end of summer. Once the flowers died and dried up he noticed an abundance of seeds. He said, "Dad, I need a baggie. I want to give these seeds to grandma." He filled up his little baggie and then we went in to make a simple card to give to her along with the seeds.
This week, we were reading Planting a Rainbow by Lois Ehlert. It reminded me that he had filled another baggie full of seeds from his wildflower garden, but had not given them to his other grandma like he intended. I asked him if he would like to make a card for his grandma to give her the seeds he collected. He thought it was a good idea.
|I found this cool brownish rippled piece of paper that inspired an idea for his card. He cut in a jagged way to make it look like uneven ground that was ready for planting.
|We planted the baggie of seeds in the ground with a stapler.
|I asked him what his seeds needed in order to grow, so he drew a sun.
|We included colored popsicle sticks so grandma could mark where she plants the seeds.
|Lastly, he cut green stems and colored flowers.
|A beautiful card that will help his grandma Plant a Rainbow at her house.
When my youngest son noticed Fish Eyes: A Book You Can Count On by Lois Ehlert, he said "I want to make those." We had read the book the day before and he and his sister loved the book.
|A great start to our day off!
|The beginnings of my youngest son's Fish Eyes creation.
|My oldest daughter created a fish too.
|What can you create with paper, glue, hole punches, and scissors?
|We were cutting and gluing all morning long. My 19 month old daughter enjoyed covering a piece of paper with glue and then sticking on all the scrap pieces left over from our projects.
1. Happy Birthday Lois Ehlert - Happy Birthday Author (2011) featuring PIE IN THE SKY
2. Happy Birthday Lois Ehlert: A Preschool Celebration - Happy Birthday Author (2010) featuring LEAF MAN and WAG A TAIL
3. Happy Birthday Lois Ehlert: Ten Things I Learned About Lois Ehlert - Happy Birthday Author (2010)
4. Happy Birthday Lois Ehlert - Happy Birthday Author (2009)
5. Interviews - Reading Rockets, Harcourt, Just One More Book, Teaching Books, RIF
6. Lois Ehlert Author Study with over 100 activity ideas - Educator's Spin On It
7. LEAF MAN Teacher's Guide - Harcourt


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Battle Brews Over FBI's Warrantless GPS Tracking
By Kim Zetter
May 9, 2011
Kathy Thomas knew she was under surveillance. The animal rights and environmental activist had been trailed daily by cops over several months, and had even been stopped on occasion by police and FBI agents.
But when the surveillance seemed to halt suddenly in mid-2005 after she confronted one of the agents, she thought it was all over. Months went by without a peep from the FBI surveillance teams that had been tracking her in undercover vehicles and helicopters. That's when it occurred to her to check her car.
Rumors had been swirling among activists that the FBI might be using GPS to track them — two activists in Colorado discovered mysterious devices attached to their car bumpers in 2003 — so Thomas (a pseudonym) went out to the vehicle in a frenzy and ran her hands beneath the rear bumper. She was only half-surprised to find a small electronic device and foot-long battery wand secured to her metal fender with industrial-strength magnets.
"I think I must have found it right after they put it on, because there was no grime on it at all," she told Threat Level recently.
The Rest…HERE


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It is an understatement to say I am thrilled with the results and extremely pleased that I put my trust in Indexmedica. After such extensive work, it is amazing to me that very rapidly everything feels comfortable, functions correctly and looks so much better than before. I am very impressed with the standard of care, professionalism, sensitivity and kindness of the staff. On the strength of my outcome, several of my friends are now interested in getting treatment. It has been a very positive experience for me and I would certainly recommend you to one and all.
Incidentally, thanks for making the hotel booking for our last trip, it was one less thing for us to worry about and the hotel was great. It was very reassuring to have a taxi from the airport on each visit, and contributed to feeling things were well organised. In addition, we have come to love Krakow over our four visits, have explored it thoroughly and found it to be beautiful, interesting, elegant and welcoming.
Although we have made little progress with the Polish language, we have learnt a few words, so I send you a huge Dziekuje.
Sarah from the UK Wrzesień 27, 2017


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Friday, December 12, 2008
Franz Ferdinand exclusive interview on December 19
Seattle Gay News is pleased to announce a very special interview with Mercury Music Prize and Brit Award winners, multiple Grammy nominees and international magazine cover boys Franz Ferdinand. On the brink of a third album release and set to embark on a whirlwind year, the Scottish trendsetters are helping us celebrate the Best of Music 2008 in the coming week.
In an upfront interview hours before performing to a sold out crowd at Portland's Crystal Ballroom, lead singer/guitarist Alex Kapranos and drummer Paul Thomson compiled a joint list of their top 5 (well, maybe 6) favorite recordings of the past year and revealed the group's plans for the upcoming New Year's Eve festivities. Plus, they recalled the important role Seattle has played throughout their career and answered that all important question of who wears the tightest pants in the band (we agreed unanimously).
On December 19, we're excited to be among the first publications in the world to feature a Franz Ferdinand exclusive in advance of their new recording Tonight: Franz Ferdinand in our Best of Music 2008 year-end issue. Additionally, our picks for the year's best albums, singles, live concerts and hottest artists will be unveiled in our upcoming edition.
Posted by albert from SGN at 10:06 PM
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Pastors & Staff
Senior Pastor
Shannon Critcher
Shannon came to Millers Creek in 1994 as Youth and Children's Pastor and was called to be the Senior Pastor in 2011. He and his wife Leigh Ann have four children: Braxton, Bethany, Sydni, and Josiah, and his passion for God's Word and his love for the people of this community are evident in the way he teaches, cares for, and disciples the people of Millers Creek Baptist each week.
Worship Pastor
Greg McClure
Greg came to Millers Creek in June of 2016, and he has a passion for leading the church into authentic worship of Jesus Christ as one body of believers. He enjoys spending time with his family and pulling for the UNC Tarheels. He and his wife Lisa have four children: Caleb, Hannah, Joshua, and Aaron. Greg studied at Gardner Webb University and is currently pursuing a Master's through Florida Baptist College.
Student Pastor
Working on Profile
Melissa Hamby
Melissa enjoys spending time with her two grandchildren, her husband, and watching classic Westerns. She is kind-hearted and loves managing the office and caring for the people of Millers Creek. Melissa has served the church since 1998.
David Reeves
David enjoys spending time with his wife, children, and church family. He has been an active part of the church and community for many years and now serves as the custodian and grounds-keeper by maintaining a safe and clean environment for the church and school. David has served the church since 2014, and he and his wife Cathy have three grown children Chad, Asleigh, and Tanner.
MCCS Principal
Roy Putman
Roy had served in the public school system as a teacher and assistant principal before coming to Millers Creek Christian School. He has a passion for the gospel and for delivering authentic Christian education to the surrounding community and making an impact into the lives of his students. Roy has been principal since January of 2016 and holds degrees from Appalachian State and Western Carolina; he and his wife Marie have one son, Paulie.
Favorite Verse: 2 Corinthians 3:18 "And we all, who with unveiled faces contemplate the Lord's glory, are being transformed into his image with ever-increasing glory, which comes from the Lord, who is the Spirit."


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Wednesday, October 30, 2013
Travel :: Villa Campomaggio
11 comments:
I'm so jealous of your trip!! I love Italy, but I've never been to Tuscany. These pictures definitely make me want to jet out the door right now!ReplyDelete
The Style Scribe
- Jessica MarquezOctober 30, 2013 at 10:54 AM
What an unbelievable spot you two found. This pictures are beautiful!ReplyDelete
This villa looks like an absolute dream! I would love to take my family there one day!ReplyDelete
- Tanya JeanOctober 30, 2013 at 5:09 PM
That pool area looks like a dream! So beautiful! :)ReplyDelete
xo TJ
OMG. can i PLEASE be here right now?? I'm dying of envy over that pool and clear sky. Beautiful girl!ReplyDelete
- Short and Sweet BlogOctober 31, 2013 at 12:12 AM
Oh man. I really really wish I could be there now!ReplyDelete
- Molly {Dreams in HD}October 31, 2013 at 8:21 AM
it is cold and rainy here in indianapolis, so i definitely agree with you!ReplyDelete
- Molly {Dreams in HD}October 31, 2013 at 8:22 AM
the weather in tuscany was amazing...every single day was warm and breezy with crystal clear skies. i would love to go back and escape this cold and rainy weather we have been having!ReplyDelete
- Molly {Dreams in HD}October 31, 2013 at 8:22 AM
thank you so much jessica!ReplyDelete
- Molly {Dreams in HD}October 31, 2013 at 8:23 AM
tuscany was absolutely gorgeous, definitely one of the most memorable places i have been in italy. thanks for stopping by!ReplyDelete
- charity olsenOctober 31, 2013 at 10:43 AM
Picture perfect. That is what I imagine Italy to look like.ReplyDelete


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Zen 28
Zen 28
Artist: Eric M. Scott
Acrylic on Paper
This piece was part of series that explored simplifying the composition with limited shapes and lines, and was inspired by Japanese Enso paintings, also known as Zen circles. The image was created with liquid acrylic on mixed media paper. The work comes packaged in clear plastic with acid free foam core for stiffness. The work is removable to accommodate framing and display.
Price includes shipping and handling.
Add To Cart


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Get Involved
Prayer Walks
** Please contact NPEA's Office to request a 3 or 1 Day Prayer Walk Info Pack**
3 Day Prayer Walks - Click here for upcoming 3 Day Prayer Walks
NPEA uses 3 Day Prayer Walks to ask God to show us geographically where NPEA should be planting churches and to give us insight into what a church plant project will cost not just in monetary ways.
In Luke 14:8 Jesus talks about counting the cost it will take if a person sets out to build a tower. The reason He says that we must count the cost is because we don't want to look foolish if we start a project and can't complete it.
We are listening to God's voice as we try and determine the answer to 10 specific questions. This is the basis for us asking God if we should plant a church in a specific geographic community and what that will entail.
1 Day Prayer Walks - Click here for upcoming 1 Day Prayer Walks
NPEA uses 1 Day Prayer Walks to pray in a community where NPEA has committed to plant a new church in the future. We use short term mission teams to come once a month, starting one year before the new church is planted, to "work the soil" through prayer.
In the parable of the sower, Jesus teaches us about seeds being scattered on four types of soil. You will notice in Matthew 13:8 that it was the seeds which fell on fertile soil that produced a crop that was thirty, sixty, and even a hundred times as much as had been planted! This is the basis for us getting the soil ready in a location where NPEA will plant a new church in the near future.
During our time at a geographic location we use Prayer Walking to hear what God is communicating to us. Prayer Walking is simply praying in the very places where we expect God to answer our prayers. A major objective of Prayer Walking is praying on site with insight!
Prayer Walking focuses intercessory prayer on the community, homes, and people we encounter while walking. We walk to see. We see in order to pray more powerfully.
Prayer is the most powerful weapon God has given us to take back territory from the enemy. NPEA's Prayer Walks are challenging mission trips to say the least. We have had people comment that a Prayer Walk can take more energy than a week long mission trip because of the spiritual warfare going on.
So when you are done Prayer Walking with us we invite you to take a day or two to relax in the community. Feel free to take in the local sights, activities, shopping, dining, and culture. You'll deserve some R&R. Prayer Walking is a work out physically, emotionally, and spiritually. Take some time to recharge for life back home!


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Also found in: Dictionary, Thesaurus, Medical, Legal, Acronyms, Encyclopedia, Wikipedia.
A credit rating used by the S&P and Fitch credit agencies for long-term bonds and some other investments. It is equivalent to the Baa2 rating used by Moody's. A BBB rating represents a relatively low-risk bond or investment; banks are allowed to invest in BBB rated bonds. However, it is toward the bottom of investment-grade bond ratings, being only two grades above junk bond ratings. Risk-averse investors must therefore exercise caution on BBB investments, especially if the rating was recently downgraded.
A medium grade assigned to a debt obligation by a rating agency to indicate an adequate ability to pay interest and repay principal. However, adverse developments are more likely to impair this ability than would be the case for bonds rated A and above. A BBB rating is the lowest rating a bond can have and still be considered investment-grade. Also called Baa.


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I have an absolutely gorgeous polish to show you tonight (this morning?!). I have to start by saying that I am in love with this polish, but it has caused me some serious grief today! I could not photograph Takko Lacquer 'Muse' today at all. It was as though my camera settings had been completely changed. I couldn't get anything in focus and the polish was just looking crap. Long story short, I went and bought some new bulbs for my lamps, reset my camera, re-top coated my nails and finally everything was back to normal. What happened?
'The Electric Apple: NYC'. I think that there aren't many, if any, people out there that do a shimmer like this as well as Sheryl. 'Muse' is definitely one of those polishes that glows. As usual with Takko Lacquer beauties, the shimmer isn't shy and even glows a little in fairly low light.
The formula of 'Muse' was a bit different to what I've come to know of Takko Lacquers, but not at all in a bad way. It was a little thinner but so beautifully easy to work with. The first coat was a teeny bit sheer, but the second coat gave perfectly opaque coverage. It's also really nicely self-levelling and dries really fast.
Make sure you check out Sheryl's blog to find out about the inspiration behind the polishes in this collection. Also keep an eye on Takko Lacquer's twitter for info about restocks. Takko Lacquers are sold from their own shop, but only with US shipping. For us international ladies, Takko lacquers are stocked at Llarowe, Mei Mei's Signatures and Edgy Polish.
This product was provided for review. This is my personal, unbiased opinion.For more information, see my disclosure policy.


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Tali Pelman joins Stage Entertainment20 June 2014
Stage Entertainment is pleased to announce that Tali Pelman has been appointed as Director New Product Development. Her appointment highlights Stage Entertainment's ambition to excel in the creation of new musical content for international markets. Tali will assume her responsibilities on September 1st 2014.
Peter O'Keeffe, CEO: 'Stage Entertainment is proud to bring the biggest titles from Broadway and the West End together with our partners to its network of theatres and on tour throughout the world. In addition to these licensed productions, the company has also developed a wide range of original new titles in the past years. We are convinced that Tali's arrival will help Stage Entertainment to further its creative ambitions by helping to guide new musical projects from the exciting first concept phase through to readings, workshops and their final development and production.'
Tali Pelman began her career in 2003 as Executive Producer of London's Gate Theatre, where her productions included a new version of the musical Hair and The Emperor Jones (National Theatre). In 2007 she became Producer at the Ambassador Theatre Group, developing and producing plays and musicals in the West End, UK regions and Broadway, including The Misanthrope starring Damian Lewis and Keira Knightley (West End) and the Olivier Award-winning new play The Mountaintop starring Samuel L Jackson and Angela Bassett (Broadway). Tali launched Tali Pelman Productions in 2012 in a co-producing/presenting partnership with ATG and produced the critically acclaimed Passion Play starring Zoë Wanamaker in 2013.


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Sunny Chayes has worked passionately in The Peace Movement, The Environmental Movement, as well as The Global Humanitarian and Productive Change Movement for many years. Sunny has dedicated her life to carry on the work of her family. The Chayes family and the Shapiros were highly influential in politics, environmental accountability, the arts, philanthropy and peaceful conflict resolution policy. Through family, travel, education and opportunity, Sunny has had the great priviledge of being exposed to some of the greatest free thinkers, far ranging journeys and deliciously deepening experiences. All of which she brings to the show 'SINGIN' IN THE RAIN'. She is presently working on her personal "WHAT'S NEXT?" and her ever growing belief in The Power of One.
Sunny is also the host of "The Sunny Chayes Show" at UBN Radio where she has interviewed luminaries such as Tom Shadyac, Marianne Williamson and Rev Michael Beckwith.


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What I'm Wearing:
Blouse: Worthington (JCPenney) | Cardigan: Anne Taylor Loft
Jeans: House of Derreon (Macy's) | Boots: Bare Traps (DSW)
Photo bombed by my cat Abby. Oh, the life of a crazy cat lady.
Yes. Those are CATS on my cardigan. In my opinion, any outfit is instantly elevated by the appearance of little cat silhouettes:
Yesterday I helped an older gentleman say goodbye to his pet cat of 15 years. The old tom used to come around the man's bakery looking for handouts, until one day the baker took pity on the cat in the frigid winter temperatures and brought him inside. The rest, as they say, is history: the yellow tom had no interest in ever going back outside.
As together we said goodbye to the old tom cat, still purring even though his poor little body was racked with disease, the old baker tearfully said to me, with a smile, "Don't worry, doc. Animals have souls just like ours. I'm really not sad, because I'll see him again one day. Only not like this! He's gonna be healthy again, doc! Not like this...not like this." And the old tom passed away peacefully, purring all the while.
People say to me all the time that the worst part of my job must be euthanizing animals. I can honestly say that, in most cases, it is not. "Euthanasia" literally means "good death", and being able to bestow a peaceful passing upon a suffering animal is often the greatest gift I can give my furry patients. Like the old baker, I believe there's more to come after we pass away - more for humans as well as for animals. And that, my friends, is an encouraging thought.
So goodbye, old tom. May you find some peace in that great big bakery in the sky. And if it's not too much trouble, save me a doughnut.
Linking Up:


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See the full set at my Flickr!
Depends on how I feel like, I may also upload the video. Sometime. Maybe this week. Ha!
For my kit I brought a Canon 7D with a Sigma 30mm 1.4 lens and Canon 580exII. This is my preferred lens for working in indoor low light conditions. If I wasn't doing video, then a short wide zoom like a 17-50mm Tamron VC (or some other f/2.8 wide zoom equivalent, like the more expensive Canon 17-55) would be ideal because I would be using flash for the still shots.
But using a fast prime lets me take good low light videos without using onboard lights. It definitely gives a different look. Also a fast prime lets me take artistic low light photos without flash (i.e this shot).
I would be very hesitant about trying to swap lens in a night club setting, so if you bring a prime, you're stuck with that focal length though. A short fast zoom lets you have versatility to recompose at will. There were definitely times when I felt I needed to go wider.


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Property investment? … Here's why you should!
Regardless of who you talk to about investments, everyone has an opinion as to which is the best – and they can give you valid reasons for their preferences. But in the course of the conversations, 'property' will usually be cited among their choices but some of the reasons people prefer to use property as their investment vehicle will vary too.
Here are some of the best reasons that investing in property is a good choice to make if you want to secure your future:
- It's simple. Investing is property is not complicated – you buy it, usually by using a mortgage (other people's money) and rent it out to a good tenant. As long as you have done your homework and bought in a good area that is in demand from good tenants, it will give you a nice passive income together with capital growth, year after year. All you have to do is keep it maintained so that it continues to attract the type of tenants you want to attract and ultimately a good buyer some time in the future.
- It's a tried-and-tested system of investing. Buying investment property with the view of buying in order to let them out has a long track record with successful property owners across the globe. They look for and then buy the best property they can in the right areas and let them out to the best tenants they can find. They then enjoy the benefit of monthly income and underlying growth of their asset.
- It's low-risk. If you use the tried-and-tested strategies that the specialists use, your buy to let investment property will be the perfect low-risk asset that will grow steadily in value and you'll be able to avoid the market volatility that short-term investors find themselves susceptible to.
- It's a high return investment. In the two-tier approach of looking at your investment property as a growing capital asset plus one that gives you an income, it yields a high return!
- For example: if R500 000 was invested in your buy-to-let property and your rental income was R5000 per month your return would be 12% per annum. And if you property increased in value by 8% your ROI would be 20% in the first year!
- If inflation at 5% was factored in, then your real return would be 15% – and year after year, these returns will be even more impressive.
- It's a hedge against inflation. Past performance is an indication of future performance, and historically buy-to-let property that you invest in will outperform inflation. Plus, the rental income your property will command will also keep pace with, and counter any negative effects that inflation might bring to bear against the returns that you seek to earn from the asset.
- It's something that can be 'geared.' Gearing is another way of saying that you can use the value of the asset to borrow other people's money to fund it. Buy-to-let property is perfect for this and it allows you to secure the same process people like Donald Trump use to grow their assets.
- It's controllable. Investment property is a wonderful asset that you can retain control over. Rather that pay your money and hand it over to someone to manage and you lose sight of, buy-to-let property is an exciting and stimulating way to involve yourself in the business of making your investment grow.
With the tools and structures IGrow can make available, the team of professionals work with you to help you on the road to achieving the success you deserve. For advice and guidance, look to our team of independent specialists who have the track record of success, integrity and security that you want.
Contact us at IGrow Wealth – we'd love to help you on the journey to achieving your property investment goals.
Let us know your thought in the comments below, what are your best reasons for investing?


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Friday, November 30, 2007
The Assassination of Jesse James by the Coward Robert Ford
Nothing in this film justifies its length except for the brilliant cinematography by Roger Deakins. The film is a misfire on the script and structure level that even actors such as Brad Pitt and Casey Affleck can save it. A film with a familiar subject matter and descriptive title dictates a sharper script with a pace that's as quick as the famed title character. Besides the beautiful scenes, there's little to root for. Many of the actors talents are wasted. Unlike the superior "The Proposition" this film won't revive the Western genre which is too bad. It's one the films you wish to root for but feel bad when it fails. YRCinema's coverage of recent releases.
Thursday, November 29, 2007
A Mighty Heart
The ever versatile Michael Winterbottom returns to Pakistan for a third time (In This World, The Road to Guantanamo) to tell the devastating story of Marianne Pearl in the aftermath of her husband's disappearance and killing.
If anybody could make this film it's Winterbottom and Angelina Jolie. The film is as authentic and honest as possible. Few people dare to go where Winterbottom has gone now for a third time. He filmed in Pakistan and India which gives the film the necessary authentic feel. It's Jolie's best performance since her award winning role in "Girl, Interrupted" and she nails it. There's not one wrong beat in her performance. Winterbottom continues to deliver high caliber and exciting films.
YRCinema's coverage of current releases.
If anybody could make this film it's Winterbottom and Angelina Jolie. The film is as authentic and honest as possible. Few people dare to go where Winterbottom has gone now for a third time. He filmed in Pakistan and India which gives the film the necessary authentic feel. It's Jolie's best performance since her award winning role in "Girl, Interrupted" and she nails it. There's not one wrong beat in her performance. Winterbottom continues to deliver high caliber and exciting films.
YRCinema's coverage of current releases.
Wednesday, November 28, 2007
A dazzling adaptation of the bestseller by director Joe Wright, with star making performances by James McAvoy and Keira Knightley that will put them along other great leading actors of the silver screen. The tale of a how a lie can destroy lives and the nature of art to change real life stories to make it bearable takes this lavish film above the rest of the genre. The best romantic film since the English Patient which this film reminds of whose director has a small cameo. As it should be everything first rate in this production which will be a major contender for the Oscars because it's tailor made. YRCinema's coverage of upcoming releases.
Sunday, November 18, 2007
There Will Be Blood
Paul Thomas Anderson delivers a masterpiece in his latest film that sets him far ahead among his contemporaries. Daniel Day-Lewis gives another fantastic performance that burns the screen. The film is just about as good as it gets from every aspect from story, performances, cinematography, score, editing, production design to writing and directing. Its themes are timeless and relevant today as well as around the world . Jonny Greenwood of Radiohead provides one of the most greatest scores in recent memory that takes the film to new heights. There will be recognition and appreciation. Definitely one of the years best films. YRCinema's coverage of upcoming releases.
I'm Not There
How to make a film about an elusive artist who defied convention and refused to be stereotyped in career that spans more than four decades? Todd Haynes achieves that by painting an abstract portrait that will please the fans but confuse others who don't know anything about him. This hypnotic and beautiful film boasts a superb cast with an amazing performance by Cate Blanchett who gets us the closest to the artist. The soundtrack serves as the narrative in a film that lacks one because it wants to keep the mystery alive rather than to make up any assumptions. Therefore it's more a music video tribute to a legendary life that avoids the cliché of other biopics. Bob Dylan's indeed not there. YRCinema's coverage of current releases.
Saturday, November 17, 2007
Brian de Palma's new brave film will be a tough sell to mainstream America. It's riveting as it's harrowing. It will be hard to watch for many, specially those Americans who have been living in a bubble. However it shows only a fraction of what's known and been posted on the Internet. The film fictionalizes and focuses on the incidents around the rape and killing of an Iraqi girl and her family in Samraa. (The actual names and places have been changed). WAR IS HELL and De Palma shows us a glimpse of that hell where the good Americans suffer as much as the bad ones. Those who think that this films will harm the American image need not to worry because the damage is already done. It will at least show that not all Americans supported this war and the guilt is on those who voted for this government and supported the war. De Palma whose excellent "Casualties of War" exposed war crimes in Vietnam showcases another one in Iraq that seems so real using the appropriate techniques. The actors do an excellent job to show the insanity of war. The film is ahead of its time and maybe too soon for most. It's a powerful tale that needed to be told and it's not anti American but pro humanity because the dignity of a human being is untouchable and you see it being violated on a daily basis. The war in Iraq is not over yet but it will haunt us for many years to come. YRCinema's coverage of current releases.
Latin superstar Gael Garcia Bernal makes his debut as a directer in this contemporary tale that shows the big divide between the rich and the poor in Mexico. Bernal plays a rich snob who has invited friends over the weekend at his parents countryside mansion at the same time as his sister. He plays a character similar to the one he played in Y Tu Mama Tambien. The film is more an exploration into directing that shows promise for the accomplished actor. YRCinema's coverage of AFI Fest 2007.
The Counterfeiters
This handsomely crafted film exposes another side of the Nazi Germany that hasn't been told before. The film will please those who don't feel a fatigue of the era yet. No other period has been covered on film as much as the World War II which makes average viewer an expert on the subject, at least on the cinematic side. Besides this new story of how Nazi Germany used artists and counterfeiters to make foreign currency, there's nothing new that you haven't seen in other films of the period such as Schindler's List, The Pianist, Life is Beautiful and many others.
YRCinema's coverage of AFI Fest 2007.
YRCinema's coverage of AFI Fest 2007.
Friday, November 16, 2007
Prince of the Himalayas
This sumptuous and stunning film is testimony to the universality of Shakespeare's stories and why he's a major force. As this film proves, you can set any of his stories in any time or culture and it would make perfect sense, in this case Hamlet set in ancient Tibet. However the director Sherwood Hu doesn't just adapts Hamlet but makes the appropriate changes to make it his own that brings freshness and vitality to a familiar story that makes the prince of Himalayas more real than the prince of Denmark. Everything is first rate in this production, particularly the cinematography. YRCinema's coverage of AFI Fest 2007.
Thursday, November 15, 2007
This astounding film debut by renowned photographer Anton Corbijn who made some iconic images for Depeche Mode and U2 about Joy Division lead singer Ian Curtis seems a perfect fit since he met the band briefly and one of his images of the singer is one of my favorite photos of all time. It's full of emotion, heart break and depression that makes you feel for him.
The music of Joy Division first captured my attention when I was fourteen years old in Germany in 1983 when I was still dealing with isolation in a strange country. Their songs still resonates with the youths worldwide.
Corbijn perfectly captures the atmosphere of the era with a keen eye for detail. The story, the music and the performances are extraordinary, specially Sam Riley whose performance is of the year's best. The whole film depends on his performance with the help of the fantastic Samantha Morton and gorgeous Alexandra Maria Lara (Downfall, Youth Without Youth). Love will tear us apart. Definitely of the year's best films. YRCinema's coverage of current releases.
The music of Joy Division first captured my attention when I was fourteen years old in Germany in 1983 when I was still dealing with isolation in a strange country. Their songs still resonates with the youths worldwide.
Corbijn perfectly captures the atmosphere of the era with a keen eye for detail. The story, the music and the performances are extraordinary, specially Sam Riley whose performance is of the year's best. The whole film depends on his performance with the help of the fantastic Samantha Morton and gorgeous Alexandra Maria Lara (Downfall, Youth Without Youth). Love will tear us apart. Definitely of the year's best films. YRCinema's coverage of current releases.
Friday, November 9, 2007
Used Parts
Aarón Fernández makes him feature film debut in this tale of hope and betrayal set in Mexico City. It's also the first film for lead actor Eduardo Granados whose pivotal portrayal is one of the strongest in recent memory. This contemporary film feels genuine with an exciting vision and sound and gives us a different side of the immigration problem that has we have only seen from the US perspective. Ivan, a teenager with a dream to move to the US with his uncle, takes up stealing auto parts in order to collect the money for cross over. The film also paints an accurate portrait of teenage life that we don't see so often on the screen. YRCinema's coverage of AFI Fest 2007.
Silent Light
Carlos Reygadas third feature (Japon and Battle in Heaven) is a metaphysical take on the nature of sin that features also one of the best studies of light ever captured on screen. It starts with a sunrise and ends with a sunset and in between light in various times and seasons. The story is set among a Mennonite community where a married man falls in love with another woman that tests his faith and his family. Basically the sin comes to light like anything else that light exposes from the dark. The film will test the patience of many but reward those who want more than just a traditional film. YRCinema's coverage of AFI Fest 2007.
Tuesday, November 6, 2007
A poignant and touching film that unfolds like a novel by Israeli novelist Etgar Keret and his wife Shira Geffen about a group of random people in Tel Aviv. A fresh film that shows us a different side of Israel far from the political conflicts that seemed to define it. Like anywhere else people fall in and out of love. Some succeed in life while others fail. It's about sacrifices and consequences. It seems a like a strong year for the cinema in Israel along with The Band's Visit and Beaufort. Unlike the other two this film avoids the war and conflict like the Lebanese film "Caramel." YRCinema's coverage of AFI Fest 2007.
The Art of Negative Thinking
This outrageously funny comedy from Norway is served best, black and with drugs. A triumph for writer and director Bård Breien on his feature debut. It's an original and fresh comedy about a group of happy handicapped people who travel to convert another potential member, the depressed Geirr who has drowned himself in drugs, alcohol and the music of Johnny Cash. However the group and Geirr's wife underestimate him when demonstrates his art of negative thinking that unravels each of them and changes their lives. This film shows that being psychologically handicapped is far worse than physically. Intelligent comedies are a rare breed and this is as good as it gets. YRCinema's coverage of AFI Fest 2007.
Blind Mountain
A heartbreaking film about the barbaric practice of human trading in China. A young and beautiful college graduate is sold to a peasant family in a remote village in northern China. What's horrifying that it's not a single case but a common practice where everybody in the village knows and accepts it. It makes you wonder what other horrors are going on. A courageous and important film that exposes another tale about a rising issue in the world of human trafficking. The film is gorgeously shot in an idyllic region of China with a terrific cast and crew. YRCinema's coverage of AFI Fest 2007.
An astonishing film that proves that animated films can take narrative to new heights that live action never could. It's based on the graphic novel of the same name by Marjane Satrapi about her growing up in Iran and Europe. The film will resonate with everybody who grew up in a foreign culture. The film offers a fresh voice and vision that we haven't seen yet on screen. It also provides a crash course of Iranian history for those who want to know what went on in Iran in the last 50 years or so. A moving film full of humor and heart but also controversial due to its subject matter. However it's an extremely personal story of an Iranian girl/woman. The animation and performances are flawless. It's one of the years best films. YRCinema's coverage of AFI Fest 2007.
1000 Journals
An intriguing documentary about an experimental art project that connected people all over the world. The film traces the artist named "Someguy" as he sends 1000 empty Journals into the world to be filled and returned to him. The idea catches a lot of people's attention over a website and inspires people. The film shows how people seek a physical and spiritual connection in a world dominated by technology. A scrapbook/journal becomes an object of desire and imagination. The idea and film is an experiment and we are part of it. YRCinema's coverage of AFI Fest 2007.
The Band's Visit
A very awkward but well intentioned comedy from Israel. By awkward I mean the pacing which is extremely slow. The film takes way too long to warm up and never takes off but manages to end on high note. The story is implausible and doesn't ring true somehow. The fetching Ronit Elkabetz and charming Saleh Bakri are worth watching in this film about peace and understanding. YRCinema's coverage of AFI Fest 2007.
Sunday, November 4, 2007
Secret Sunshine
Do-yeon Jeon gives a shattering performance as a widowed mother who moves to her late husband's hometown for a new beginning to raise her son. However another tragedy sends her on downward spiral that's excruciatingly painful to watch as we witness her trying to find a meaning in the face of absolute loss. It's a very visceral kind of a film the way "Oldboy" was. The film successfully manages to take you on a emotional journey if you are up to it. Kang-ho Song (The Host) provides a much needed comic relief in the this drama from Korea. YRCinema's coverage of AFI Fest 2007.
Strange Culture
A terrifying and important documentary by Lynn Hershman Leeson who made the film to bring attention to her friend's, Steve Kurtz's nightmare. The surreal nightmare of artist and professor Kurtz began when his wife died of heart failure in her sleep. The police and FBI deemed Kurtz's art suspect and him as a bio terrorist as he was preparing an art show about genetically modified foods. Despite the harmless stuff they found at his place, he and his collaborator are charged with a technicality such as mail fraud which raises serious questions about the government's intention to take away our civil liberties and shut down artists and activists. Part of the film is dramatized with actors like Tilda Swinton and Peter Coyote. For more info, please visit http://www.strangeculture.net/ YRCinema's coverage of AFI Fest 2007.
Margot at the Wedding
A film as pretentious as its title. It offers nothing new about dysfunctional families. Everything you have seen and heard in plenty of films in the last decade. It allows Hollywood stars to do some "acting" in a "independent" kind of a film that takes itself too serious. Without the stars the film wouldn't get the attention it receives. The film feels out of place in a time when there's so many important issues are at stake in the world. YRCinema's coverage of AFI Fest 2007.
A wonderful film about a group of Lebanese women as they share sorrows and laughter in and around a beauty salon in Beirut. The writing and directing debut of Nadine Labaki who also stars in the film with a great cast. The film is a refreshing voice from a troubled region and puts a human face besides war and conflict. As we witness the love, heartbreak and loneliness of the these women one realizes there's more to the Middle East than we are exposed to. I hope we get to see more films like it.
Sigur Rós - Heima
A great portrayal of a great band and Iceland, their country makes this documentary one of the best of its kind. It truly comes together in the hand of Canadian director Dean DeBlois. The film merges on several levels as music, film and art comes together to give us a profound experience which raises a new standard and blurs the lines for documentaries and videos in the music industry. The film is a must see for fans of the group and Iceland. YRCinema's coverage of AFI Fest 2007.
Operation Filmmaker
This intriguing documentary about good intentions gone wrong is about Muthana Mohamed, a young Iraqi film student, who has been given a golden opportunity to escape the war and be part of actor/director Liev Schreiber's film (Everything is Illuminated) in Prague. The film raises questions about the film maker's responsibility to "real" people in general in this age of reality shows when people sign away their rights to be part of the Hollywood dream.
After his stint as a PA, Muthana is expected to return to Iraq but as the situation in Iraq worsens, he decides to stay without any money to everybody's obvious disappointment of an Hollywood ending . The cast and crew return to Hollywood without any consideration or responsibility for the young man except for Nina Davenport who was there to document his journey. Davenport, a filmmaker with a dilemma, tries her best to give an honest portrayal but it gets fuzzier the longer she stays with him waiting for an ending to her film like Capote did for "In Cold Blood".
After all the films, Muthana still has to deal with his life while he's staying in the UK as there's no end in sight for his country's plight. YRCinema's coverage of AFI Fest 2007.
After his stint as a PA, Muthana is expected to return to Iraq but as the situation in Iraq worsens, he decides to stay without any money to everybody's obvious disappointment of an Hollywood ending . The cast and crew return to Hollywood without any consideration or responsibility for the young man except for Nina Davenport who was there to document his journey. Davenport, a filmmaker with a dilemma, tries her best to give an honest portrayal but it gets fuzzier the longer she stays with him waiting for an ending to her film like Capote did for "In Cold Blood".
After all the films, Muthana still has to deal with his life while he's staying in the UK as there's no end in sight for his country's plight. YRCinema's coverage of AFI Fest 2007.
Thursday, November 1, 2007
The Diving Bell and the Butterfly
Every year there's a film or two that elevates you into one direction or another. It takes you to a higher ground and inspires you. It demonstrates the power of art; what art is supposed to do and its relevance to our lives. "The Diving Bell and the Butterfly" is one of those films. Based on a novel Jean-Dominique Bauby who blinked the book to an interpreter after a stroke left him paralyzed with only one blinking eye. If it happened to anybody, people would scream euthanasia but Bauby used his imagination to inspire us. Julian Schnabel who gets better with each film (Basquiat, Before Night Falls) along with Ronald Harwood (The Pianist) and a terrific cast and crew delights us with a film full of splendor and imagination about the human spirit that will move you beyond words. It's an award contender, specially for Max von Sydow who's sure bet for an Oscar. This film proves what cinema and art is all about. Definitely one of the best films of the year if not the best. YRCinema's coverage of AFI Fest 2007.
Eastern Promises
David Cronenberg digs deeper into the history of violence in this menacing thriller about the Russian Mafia in London. The first rate cast including Viggo Mortensen and Naomi Watts elevate the film to a higher ground. It's an intimate portrait that's concise and fresh in a genre that has been exploited more than others. The script is by Stephen Knight who brought us the fantastic "Dirty Pretty Things". His tales takes place in the dark side of the society that most people would prefer to ignore. YRCinema's current releases.
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2015-02-18 09:28:08
Get the FAQS on VA Home Loans
Why get a VA loan over other types?
Simply put, a VA Home loan allows qualified buyers the opportunity to purchase a home with no down payment. Also, there are no monthly mortgage insurance premiums to pay, limitations on buyer's closing costs, and an appraisal that informs the buyer of the property value. For most loans on new houses, construction is inspected at appropriate stages and a one year warranty is required from the builder. VA also performs personal loan servicing and offers financial counseling to help veterans having temporary financial difficulties.
What if I've used a VA Home Loan Before?
You can have previously-used entitlement 'restored'one time only in order to purchase another home with a VA loan if the borrower has paid off the prior loan but still owns the property, and wants to use his entitlement to purchase a second home. This often occurs with active duty borrowers who PCS to a new station but want to keep their existing home for retirement. However, if the prior loan has been paid off and the property is no longer owned, they can have their entitlement restored as many times as they want. They can re-use their VA eligibility for every home purchase from the first to the last.
Also, veterans who have used a VA loan before may still have remaining entitlement (see chart) to use for another VA loan. A veteran's maximum entitlement is $89,912, and lenders will generally loan up to four times your available entitlement without a down payment, provided your income and credit qualifications are fine, and the property appraises for the asking price. Lenders may require that a combination of the guaranty entitlement and any cash down payment must equal at least 25 percent of the reasonable value or sales price of the property, whichever is less.
For Alaska, Hawaii, Guam, and U.S. Virgin Islands? residents, note that maximum original loan amounts have now been increased 50 percent higher for first mortgages.
Remaining entitlement and restoration of entitlement is not automatic. It can be requested through the nearest VA office by completing VA Form 26-1880. The entitlement may also be restored one time only if the veteran has repaid the prior VA loan in full but has not disposed of the property purchased with the prior VA loan.
What service is not eligible for a VA Home Loan?
You are not eligible for VA financing solely based upon service in World War I, Active Duty Training in the Reserves, or Active Duty Training in the National Guard. Note: Guard and Reservists are eligible if they were 'activated' under the authority of title 10 U.S. Code as was the case for the Iraq/Afghanistan.
Do all local lenders offer VA Loans?
Not necessarily. Choose a VA-approved lending institution that can handle your home loan. A lender can help you review your credit history and determine how much of a loan you can qualify for. Be aware that different lenders have different closing costs and other fees, so it pays to shop around.
What types of repayment options are available?
The guarantees thirty-year loans with a choice of repayment plans: Traditional fixed payment (constant principal and interest); Graduated Payment Mortgage, or GPM (low initial payments which gradually rise to a level payment starting in the sixth year); and in some areas, Growing Equity Mortgages, or GEMs (gradually increasing payments with all of the increase applied to principal, resulting in an early payoff of the loan). There is no prepayment penalty.
What is the maximum VA loan?
Although there is no maximum VA loan (limited only by the reasonable value or the purchase price), lenders generally limit the maximum VA loan to $417,000.
If I was discharged years ago and want to qualify for a VA loan, what forms or other documents will I need?
Everyone is required to obtain a Certificate of Eligibility. If you do not have this Certificate, you will need to apply using VA Form 26-1880 and this will require a copy of DD-214 (Certificate of Release or Discharge from Active Duty) showing character of service. Along with the Certificate of Eligibility, loan applicants will need to document their credit, savings and employment information.
Does a veteran's home loan entitlement expire?
No. Home loan entitlement is generally good until used if a person is on active duty. Once discharged or released from active duty before using an entitlement, a new determination of their eligibility must be made based on the length of service and the type of discharge received.
Reservists are eligible for VA Loans, too. Who qualifies?
Eligibility extends to members who have completed a total of 6 years in the Selected Reserves or National Guard (member of an active unit, attended required weekend drills and 2-week active duty for training) and received an honorable discharge; continue to serve in the Selected Reserves. Individuals who completed less than 6 years may be eligible if discharged for a service- connected disability. In addition, reservists and National Guard members who were activated on or after August 2, 1990, served at least 90 days and were discharged honorably are eligible. Eligibility for Selected Reservists is due to expire on September 30, 2009.
Can I build a home with a VA Home Loan?
Yes. But there are several clauses that may make this difficult to accomplish. Many veterans use their VA Home Loan Certificate of Eligibility to negotiate in good faith a private home construction loan and then refinance the completed home using VA Home Loans.
Download a free VA Loan Guide today.
Can you take out a VA loan for a second home or vacation cabin?
The law requires that you certify that you intend to occupy the property as your home. But it specifically provides that occupancy by the veteran's spouse satisfies the personal occupancy requirement. However, there are no provisions for other family members. VA Home Loans are available for a variety of purposes including building, altering, or repairing a home; refinancing an existing home loan; buying a manufactured home with or without a lot; buying and improving a manufactured home lot; and installing a solar heating or cooling system or other weatherization improvements. You are also allowed to buy income property consisting of up to four units, provided you occupy one of the units.
Can a veteran obtain a VA loan for the purchase of property in a foreign country?
No. The property must be located in the United States, its territories, or possessions. The latter consist of Puerto Rico, Guam, Virgin Islands, American Samoa and Northern Mariana Islands.
What is a VA-guaranteed manufactured home loan?
A private lender makes a VA-guaranteed manufactured home loan. The VA will protect the lender against loss if the veteran or a later owner fails to repay the loan. The amount VA will guarantee is 40 percent of the loan amount or the veteran's available entitlement, up to a maximum amount of $20,000. The guaranty amount is not the same as the amount a veteran can borrow.
If a borrower has used a VA loan in the past, can that person be eligible again?
Veterans who had a VA loan before may still have 'remaining entitlement' to use for another VA loan. The current amount of entitlement available to each eligible veteran is $36,000. Veterans can have previously-used entitlement 'restored' to purchase another home with a VA loan if: the property purchased with the prior VA loan has been sold and the loan paid in full, or if a qualified veteran buyer agrees to assume the VA loan and substitute his or her entitlement for the same amount of entitlement originally used by the veteran seller. The entitlement may also be restored one time only if the veteran has repaid the prior VA loan in full, but has not disposed of the property purchased with the prior VA loan.
I am a Veteran who purchased a home with my spouse utilizing my VA eligibility. I am now divorced and my spouse was awarded the home. How do I get my eligibility back?
When the property is awarded to the Veteran's spouse as a result of the divorce, entitlement cannot be restored unless the spouse refinances the property and / or pays off the VA loan in full or the ex-spouse is a veteran who substitutes their entitlement.
I heard the VA has an inventory of foreclosed homes. How can I find out more about this?
The Department of Veterans Affairs (VA) acquires properties as a result of foreclosures on VA guaranteed loans. These acquired properties are marketed through a property management services contract with Ocwen Federal Bank FSB, West Palm Beach, Florida. Local listing agents through local Multi Listing Systems (MLS) list the properties. A list of properties for sale may also be obtained from Ocwen's website at https://www.ocwen.com/.
NEXT STEP: Get started using your VA Home Loan, Download a free VA Loan Guide today.
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|Project Details--All Supplies Stampin' Up!
|Endless Birthday Wishes, Time of Year
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|Very Vanilla, Moroccan DSP, Serene Scenery DSP
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Monday, April 24, 2017
PP341 Redux
7 comments:
- Joanne James said...
What a coincidence - I reused this sketch for my card today too! I guess that means it's a keeper! A nicceasy guy card - always a winner! The girls look like their having fun - looking forward to seeing their finished cards. Have a great day!
- April 24, 2017 at 2:12 AM
- Wendy said...
Love your masculine card today, LeAnne! Those 2 papers go together so well and I love the colors! Great job on getting the girls to sit and create with you! I would have to fight tooth & nail to get mine to do anything creative with me! Can't wait to see the final projects! Another dreary, showery day on tap today. Hope you have a great day!
- April 24, 2017 at 7:28 AM
- I Card Everyone said...
LeAnne your BIL won't mind this being a bit late... so worth the wait! LOve the bolts, and that gorgeous DP!
- April 24, 2017 at 9:55 AM
- stampwithsandy said...
I'm so happy you liked my sketch enough to use it twice, LeAnne! Hard to decide which I like better. The colors and texture for this one make it the perfect guy card!
- April 24, 2017 at 2:50 PM
- Dawn Tidd said...
This is a great masculine card, LeAnne! Is he the builder? If so, it's extra-special and just perfect! I love the woodgrain DP and those bolts are awesome with it! Might see a CASE in my future!! I do have this sketch marked to try so I better get busy! LOVE seeing your "girls" crafting together!
- April 24, 2017 at 3:36 PM
- Lisa Elton said...
Well if this isn't a perfect masculine card, I don't know what is!! Your BIL is going to love it! Sweet crafting memories with you girls. Can't wait to see what you do with their artwork!!
- April 24, 2017 at 8:57 PM
- Linda Callahan said...
Wonderful masculine card! And I love that your girls are creating together!
- April 26, 2017 at 6:17 AM


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Mouth of the monster....
...not really...just the entrance to 'Cave Rock', Sumner, Christchurch, New Zealand. Note the tourist on the left beginning the climb to the top. My photo 'dibble dabble' was taken inside this cave, which is full of water at high tide. January 2006
Comments 6
Sarndra 10/04/2006 7:10Hi Steffan :-)
Thanks for your comment..yes monsters and roads seem compatible here LOL!
The right side is quite close yes, but i wanted to gain some perspective with the sea to the left and the tourist..
Thanx again!
Massimo Carolla 08/04/2006 14:44very interesting shot, well done, i like title and presentation too, regards massimo
Rob Brydon 29/03/2006 6:19Nice image Sarndra. I think it was a good idea to have the tourist in the shot too. Gives some scale to the popular landmark....did you clamber up there on the day too?..Cheers..Rob
Wayne Tsipouras 28/03/2006 10:10Great pic, I've been there, nice view from the top.
Sarndra 28/03/2006 7:45You're right :-) it does look good black and white....i never think to do that...
Yes she did indeed make it and you can't quite see in the photo, but that many people have climbed it, that steps have formed. :-) so isn't such a tough job after all!
Jaime Crystal Attenborough 28/03/2006 7:14kool shot sandra, i think this image in B&W with a bit more contrast would look amazing try it?
has that tourist have a handbag and she is tempting to climb that thing?
i really hoped she made it.
great shot
jaime :)


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Because I recently took on a new role at our church, there's been some explaining to do to the kids about why I'm going to such and such a meeting, or why I might go out of town to a conference in a few months.
"So, you know how Pastor R. is pastor? And how C. is a pastor?" I asked the girls.
"Yeah. . ." they said cautiously.
"Well, now I'm a pastor, too, and I help out with things in the church more now."
Evvy, the three year old, scrunched up her face and her eyes welled with tears. "But Mom!" she wailed, "Dont' be a boy!"
It took me a second to comprehend her worldview. "I'm not a boy," I said, confused.
"But Mom," she continued, tears on her cheeks, "ALL Pastors Have To Be Boys."
And then I got it. And I wondered how she had this all figured out already, at three.
"It's okay," I assured them, "All pastors dont' have to be boys. Girls can be pastors, too."
"Oh!" Una, five, jumped in, and as in contradiction to her sister's hard-line sentiments, jested: "Well, ALL Pastors HAVE to be CHAIRS."
"No, no!" shouted Evvy, in the same spirit. "ALL PASTORS HAVE TO BE DOORS!!"
By this point, they'd proved Ev's arguement ridiculous and were laughing uproariously.
Thursday, January 24, 2008
Minisry and Gender-Role Conversation w/ the Girls
3 comments:
- Ali BG said...
I LOVE THIS STORY! Go girls, go Heather, go, go, go!
- Stephen said...
Hi, Heather. Love the blog! And I love how sage children can be.
"Pastors have to be chairs."
"Pastors have to be doors."
There's a very deep and interesting discussion about the role of clergy buried in those silly words.
- Ana said...
I'm glad the girls know that pastors can be girls.
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The agency will handle a range of digital activity, including creative and strategic work, as well as developing Nivea's UK website.
Until now, Nivea has not had a retained digital agency and has instead worked with shops on a project basis or used its advertising roster.
Agency Republic will work alongside DraftFCB, which became the lead global agency on the brand's $700 million global advertising account in November. The appointment ended TBWA's 25-year status as Beiersdorf's lead agency on Nivea.
Nivea's UK marketing activity includes a deal to sponsor This Morning, the ITV1 daytime programme. TBWA\London created idents for the sponsorship, which was announced last September.


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Bronchoscopy is a technique for examining the airways of the lungs. Using a flexible tube the width of a pencil (called a bronchoscope), physicians are able to explore the trachea, main stem bronchi, and some of the small bronchi. The bronchoscope has a video camera and a biopsy instrument on one end. You are admitted to special procedures and have an intravenous (IV) line placed. The doctor sprays numbing medicine into the back of your throat to make it easier for the bronchoscope to be placed. You will probably be given some medication through the IV to relax you as well. The doctor places the bronchoscope in your mouth and advances it into your throat and trachea. This procedure does not interfere with your ability to breathe. The doctor can see into your lungs by watching a screen that shows the view from the end of the bronchoscope. He can also take a sample of sputum or biopsy the lung tissue. At the end of the test the bronchoscope is removed. The test usually takes 30 minutes to one hour.
Useful Links:
Bronchoscopy: information basics regarding bronchoscopy
Learning about bronchoscopy by watching a training video (YouTube)
bronchoscopy Animation (YouTube)


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Pineville, LOUISIANA
Find More information about Pineville, LOUISIANA at wikipedia
All Related CommentsAll related comments for properties in Pineville, LOUISIANA
The house at 207 Louise Street, Pineville, LA looks like it has been empty for a little while. I was told the owner was arrested for drugs or something but I have no idea if that is true. Looking to see who owns this house? Is it for sale now or do they plan on listing it for sale anytime in the future? If no plans to sale is it for rent or will it be at some point?See this property: 207 LOUISE STREET, PINEVILLE, LA
Andrea Sun Oct 19, 14 09:00:07
This is Regan I am the daughter of timothy Fontenot and that propty is not for saleSee this property: 5221 OLDMARKSVILLE HWY, PINEVILLE, LA
regan pousson Thu Jan 30, 14 15:23:20
Want pictures of previous house and property picturesCSee this property: 6269 CLARK CIRCLE, PINEVILLE, LA
Jimmy Corley Jr Sun Mar 17, 13 00:39:37
Who owns the house pleaseSee this property: 605 GRANT STREET, PINEVILLE, LA
Reniya J Lampkin Wed Jan 02, 13 13:50:24
How old is this house? How long has it been empty? How much are you asking? Are you firm on the priceSee this property: 1808 GIBBONS ST, PINEVILLE, LA
Bobby green Tue Jan 01, 13 00:51:18
Wats the history of 305 singer streerSee this property: 305 SINGER ST, PINEVILLE, LA
tosha Tue Dec 11, 12 00:16:47
Hello, My name is Dominique. I want to get information about the trailer on 1950 Bayou Maria Rd. In Pinevile,LA. I want to know if it for rent and how,many bedrooms is it. I will love to rent this home if it for rent. So please email me more information about this house. How many bathrooms are in there. Thank you and have a blessed day. Please send me a message back at your earliest time.See this property: 1950 BAYOU MARIA RD. PINEVILLE, PINEVILLE, LA
DOMINIQUE Tue Sep 11, 12 16:47:44
Who is the owner?See this property: 1799 HWY 107 PINEVILLE LOUISIANA, PINEVILLE, LA
Shantell Fri Apr 20, 12 22:23:15


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We are excited to announce that the 2015 CAL Retreat will take place in Boston, MA the weekend of July 24-26! The CAL program is working on a new schedule that will feature a new format for VoCALnation and a CAL Retreat on an every other year basis.
A detailed schedule will be posted shortly, but for now plan for social events around the city throughout the weekend, and roundtables at Emmanuel College on Saturday. There will be no cost for the retreat for current CAL leadership and a $25 fee for non-CAL group members that attend.
The retreat will be a chance for group leaders (music directors, business managers, marketing/PR people etc.) to get together and learn from each other. Join us for various social and networking events, as well as a possible Boston CAL showcase for some music!
Please RSVP to Dan directly (email@example.com) by June 24 (1 month before). We would love to see lots of CAL groups represented this weekend. When you RSVP, let Dan know who will be attending from your group.


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Rain or Shine*, the Easter Bunny is coming to Anaheim Plaza's Easter Celebration!
Bring your camera for a selfie with the Easter Bunny.
This free event is for the whole family and will include giveaways for the first 100 kids, raffle prizes, a kid friendly DJ, face painting, plus a balloon artist!
Saturday, March 24th, 2018
11:00am - 1:00pm**
Anaheim Plaza Food Court
*In the event of rain, we will do our best to ensure the event continues as scheduled. Please keep in mind this is an open, outdoor area with limited coverings- be sure to bring umbrellas, rain coats, parkas, etc. as a precaution to protect yourself from the climate.
**Please note that although we would like to accommodate all participating families, the event will end at 1:00pm sharp- no exceptions.
Sign-up today for sales, events and notifications!


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Gold chiavari chairs are an elegant way to decorate a room through the use of stunning furniture.
Let us beautify your hotel, venue or space with these chairs.
Give a different feel with the use of a different coloured seatpad.
We have black, silver and ivory for your choosing.
Gold chiavari chair hire.
These beautiful chairs are a great option for weddings, parties and events.
The classic gold chiavari chair is ideal for decorating a room and they dont require chair covers.
They are a statement piece without even trying.
The chiavari chairs come alongside a seat pad in the colour of your choice. Ivory or white or black as standard.
We do have other options of seat pads for an additional fee.
Gold chiavari chairs are the most popular of our chairs.
There are no reviews yet.


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Chrome/Mirror Two-Color Fade Nail Tutorial
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Photoshop is a essential for any photographer that has given traditionalist cameras the footwear and revolved to digital. It enables the artist to change their metaphors into masterpieces. By utilizing the top 3 Photoshop techniques below, your similes will outer shell inestimably more than they were up to that time.
#1 - Modifying (or "filtering") the background
Modifying the heritage can greatly intensify the pretext of a individual speciality in an doll. Choosing an suitable filter to use can construct or snap an image, so it is fastest to stay behind distant from numerous of the more "crazy" filters and rod to the "sensible" ones. To win this effect, move the stairs down below.Post ads:
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- Duplicate the echelon of the photo and, mistreatment the composer tool, more or less quality the basic taxable of your mental representation. You don't necessitate a ideal summary of the subject, so don't problem if the test looks a itty-bitty out-of-whack.
- Feather the choice by active to Select > Feather. The picture element r of your barb will depend on your image's dimensions, but anything involving 25-50px should be grand. Following this, go to Layer > New > Layer via Copy.
- Select the level replicate. The finishing maneuver is to scientific research next to filter styles. Again, human activity distant from the eccentric filters.Post ads:
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#2 - Softening
This austere yet unremarkably used upshot applies a fuzz to the photo, openhanded it a "soft" face.
- Duplicate the image's band and go to Filter > Blur > Gaussian Blur.
- Play in circles next to the layer's opacity to win the sought after event. I advise exploitation 50%, but it depends on your dummy.
#3 - Enhancing symbol tones
This practice enhances both the poorly lit and lighter-than-air tones time soft the sign. The flag in the doll will turn up overmuch more than realistic.
- Duplicate the section and go to Filter > Blur > Gaussian Blur.
- In the layers palette, changeover the blending manner to "Overlay". You can experiment beside the some other options to come through a enhanced effect, such as "Vivid Light".


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Thinking back... I replay all the amazing moments that have shaped my life over the past year. A couple of the more important ones are the birth of my sweet baby boy and my wonderful family and friends who always have my back. Then, I write about them. Not this time... this year will be different. I've realized there are other reasons I should be thankful. Something that I normally wouldn't be grateful for...
The year 2011 has been a troublesome one. I haven't meet one person who has not been affected by the economy in some form. My family in particular has been struggling financially (among other things) . There were many times I didn't know how we would make it through the week. I would secretly cry in the middle of the night as the rest of the world slept. The phone would often ring continuously because we were afraid to answer it. Worry and anxiety replaced all other emotions. We lived paycheck to paycheck... day to day. I honed in on my acting skills and made like everything was just great when family and friends would inquire. It was a year plagued with struggles. For this, I am thankful.
I know it sounds crazy... but you know the phrase "What doesn't kill you makes you stronger"
Due to the hardships we endured, we were forced to make an important (and extremely scary) decision that has essentially changed our lives. If it wasn't for those struggles, we wouldn't be where we are today. We can breathe, we can smile... we can honestly say we are happy. Life threw us a challenge and we totally kicked it's butt! I feel such a sense of accomplishment and for once I feel... well, I feel like I finally know what I'm doing. I learned a very important life lesson this year. Have patience and everything will fall into place. It definitely has and it's only going to get better!


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Meeting Information
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Listed below are all the pages on this web site. Click on any page to view it.
Meeting Information
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Kindling Wood Sale for Monarch Industries
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About Pancake Day
Sponsor Ad Contract - Flapjack Review
About Rotary
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After a lot of searching and trial and error I seem to have finally found a setup that works really well without "exploiting" anything.
A lot of people aren't explaining why things are good so hopefully this helps out some new players. There is also a lot of talk about what works in Act 1 but nothing farther.
Unfortunately Act 1 is pretty easy and doesn't really push you to the limits that the rest of inferno does.
Unfortunately Act 1 is pretty easy and doesn't really push you to the limits that the rest of inferno does.
One thing to keep in mind is that you can't trust your damage rating. It will lead you down the path of death and cursing at the monitor. The auxiliary damage you do will greatly increase this number and actually being alive does wonders for your dps.
- Passive: Cold Blooded: The reductions to armor and resist make glass canon not even a consideration for me. This brings me to cold blooded for a nice damage boost to my primary attack of choice.
- Ray of Frost: IMO this is the strongest direct attack we have for inferno considering the last bullet point and the fact that it slows the target. The single target can be a pain but if you're kiting and teleporting really well it is a non-issue since burning one mob at a time is the best choice anyways. The cold blood rune is pretty much the only choice as the arcane power reduction allows for a lot more sustained damage.
- Venom Hydra: This spell is a beast for damage. The frost hydra would synergize better but the limited attack radius makes it useless.
- Magic Weapon: Venom doesn't actually proc from RoF so I go with raw damage.
- Passive: Blur: Considering the other options I think this is the most valuable choice. Fast, teleport, vortex, and just plain bad cooldown timing leaves you still taking a fair amount of melee hits and this ensures they are just love taps to refresh teleport.
- Passive: Illusionist: Once you stop being one, two, or even three shot this is an amazing ability.
- Teleport Fracture: The decoys scale in usefulness with the difficulty of the pack and they are start off being pretty damn useful. I usually try not to run but to teleport when fighting a tough pack. Not only does this keep me from taking more damage directly but the decoys are always up providing a distraction.
- Diamond Skin: Rounds out the build really well
- Energy armor: Still invaluable when you're geared properly. Which we will get to next.
- Attack speed sucks: Right now, attack speed for the most part just drains your arcane power faster. I'm not saying salvage all your IAS gear but with this build I'm trying to avoid it.
- Use a 2H: Following along the first point, go with a big slow 2H weapon with a huge top end damage. Your spells with hit/crit harder and the slow attack speed will ensure your arcane power lasts longer than you should be able to stand still.
- Resist All: This is huge. This is how you don't get one-shot. I've currently stacked about 500 resist all and was able to easily solo Belial back at the 400 mark. Make sure your upgrades have resist all, or they aren't upgrades.
- Vitality: Obviously we want a lot more vitality now. Stick with socketed helms to get 12-15% more life depending on your budget. I'm currently sitting around 43k but I'll definitely need more to keep progressing. I'm leaning towards vitality being a required upgrade item stat.
- Intellect: Another obvious choice but it's the only dps I care about currently. RoF doesn't seem to be able to crit and IAS is shit as I mentioned before.
Enchantress is hands down the best follower. I went with Charm, Powered Armor, Erosion, and Mass Control. Disorient is tempting but I think the cooldown is too long for only 2 seconds of uptime.
Thanks for reading and I hope this helps someone out.


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Mobile Web Applications Developer
- Grodno, Belarus
Currently we are looking for an experienced Mobile Web Applications Developer for our Grodno office to make the team even stronger.
Among our customers are the biggest companies in their branches. We are successfully executing projects in infotainment and business spheres as well as providing services for the company's internal needs. We are building applications for the world's leading software engineers; therefore, we are seeking a talented and creative specialist to join our team and help us in building top-notch quality products.
- Develop mobile web applications
- Be responsible for web pages and mobile apps components development
- 1+ year of experience in JavaScript
- Skills in HTML5/CSS3 and experience working with them in mobile browsers
- Intermediate level of spoken and written English
We offer
- Experience exchange with colleagues all around the world
- Competitive compensation depending on experience and skills
- Regular assessments and salary reviews
- Social package: medical care, sports, family care
- Free English classes
- Opportunities for self-realization
- Friendly team and enjoyable working environment
- Flexible working schedule
- Corporate and social events