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I'm the expert on making crepes. Every time I make them people are amazed and say I should start my own restaurant. I have been making crepes ever since I learned how to use the stove and I guarantee that these crepes will leave you begging for more even when you're stuffed.
Ingredients for 4 regular crepes and 10 dessert crepes-
1 cup of Flour
1 cup of Milk
1/2 cup of Water
4 Eggwhites (you can use egg yokes as well if you desire)
4 Tbsp Sugar
Mix in blender on low until smooth. Don't blend too much.
Optional: Sprinkle cinnamon on the top while it is still in the blender. Enough to cover the whole top with a thin layer of cinnamon.
Blend for another three seconds.
Preparing the pan -
Use a medium to large sized pan.
Place over a medium flame and add non-stick spray or butter when the pan is warm (or hot enough to make the butter sizzle but not burn).
Now you are ready for the crepes.
Dessert Crepes - (thinner for dessert)
1. Place a large circle of batter in the middle of the pan. Pick the pan up off the stove and roll it around in a circular motion so that the batter spreads to reach the walls of the pan and leaves an even coat all over the bottom of the pan. Place it back down on the stove and let it cook.
2. Let the crepe cook until all of the outer edge becomes slightly browned. At this point, bring a spatula underneath the edges, scraping the bottom of the pan, and work your way towards the center as not to rip the delicate crepe.
3. Flip the crepe over and let it cook for another 20 seconds. Your crepe is now done. You can put jam or chocolate inside, fold the crepe any way you want and put syrup on top, or you can be creative. Fruit tastes great with them too.
Repeat with the rest of the batter.
Breakfast or Lunch Crepes - (thicker for regular meal)
1. Place a large circle of batter in the middle of the pan, big enough so that it spreads to the outer edge (thicker than dessert crepes).
Note: For ingredients, you can cook them separately and place inside at the end or you can attempt to cook them with the crepe but I'm not promising anything.
2. Let the crepe cook until all of the outer edge becomes browned. Don't worry about air bubbles. At this point, flip the crepe over. It shouldn't be burned but a still brown in spots.
3. Let it cook for another 30 seconds. Your crepe is now done. Put the ingredients inside and fold or roll it up however you want. Put it on a plate and repeat with the rest of the batter.
Pictures I used were taken from the following:

subset: commoncrawl


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This is a student-generated Capstone Project e-Portfolio (CPEP) produced in conjunction with the AE Senior Thesis e-Studio.
|Jameson Merrill
Tech Report 1 - Structural Components and Existing Conditions
The Structural Concepts/Structural Existing Conditions Report (Tech Report 1) is an overview of the current design for the office complex at 3023 Hamaker Court in Fairfax, VA. As a preliminary study of the building, Tech Report 1 contains a general description of the building's structural system. Two of the major lateral loads on the structure—wind and seismic—are calculated according to the American Society of Civil Engineers Standard for Minimum Design Loads for Buildings and Other Structures (ASCE 7-05). Tech 1 discusses these design codes and provides confirmation through structural analysis, the office's structural strength and stability against loads. A simplified spot-check for typical structural members is included in the report as well.
Tech Report 2 - Pro-Con Structural Analysis of Alternate Floor Systems
The Pro-Con Structural Analysis of Alternate Floor Systems Report (Tech Report 2) studies the feasibility of four different floor systems in the office building of Hamaker Court.the information contained herewith is considered a work in progress.
great efforts have been taken to provide accurate and complete information on the pages throughout the extent of the
|Senior Thesis Main
|Penn State
|Penn State Architectural Engineering
|AE Labs
|Contact Jameson
|This page was last updated on September 11, 2008, by Jameson Merrill and is hosted by the AE Department ©2008


text:
Binary options give a very benefit of appearing dealt in different monetary markets. Ready sellers and buyers of binary choices in various markets job all of them with a view to making income. Binary options happen to be connected with great comes back which is what each dealer strives for the purpose of. In classic options trading earnings could be made from a couple of sources. Traditional options gains are straight connected to the range of value modification which means that they cannot end up being regarded or prearranged. However, this is not the case with digital alternatives, as the gains are not dependent upon magnitude of price although only around the direction of price activity. Simple stretches can come to be set up to ensure some profit no matter which way the marketplace moves after you enter. Trading binary alternatives may be utilized to the commodity market segments as well. There are several social gatherings mixed up in product markets just like investors, makers, retailers, producers and traders (digital choices really have an absense of impact on the market price of any commodity or perhaps stock).
This may lead to a large yield in the market place simply because every single of these kinds of is intending to control and realize earnings. Items here consist of farming items like coffee, wheat, and materials just like silver, silver antique and platinum. You will need an exclusive trading account for producing money with binary choices. Just about all buyers wouldn't normally guess of these kinds of options as being a long term financial commitment instrument. Indeed, they will are not typically found in that fashion. An choice that runs out inside a great hour can easily hardly certainly be a long term purchase. The thing is definitely, even if they will are a short term expense, that will not signify you cannot produce prolonged term gains. It needs a good complete toward, and aspire to succeed, require tiny options seriously can what you need part of the extended term investment strategy. These three tips will support you prefer the long term probable of binary options. Digital alternatives are a great option that furthermore compensates financially a set monetary amount after expiration, or nothing, based on whether or not the price moved for least one tick inside the path you place up the company for (some binary companies will actually give you five or twenty percent of the money rear over a losing trade). Digital trading options are gaining standing amongst traders because of their simplicity. A trader only should predict in case the underlying secureness moves previously mentioned or below the price it was at if the option was purchased.
Many of the folks using digital alternatives these days were not recently dealers for all, but were just looking for a great strategy for earning money online. Binary options trading is going to be fairly easy to learn and cheap to receive started in. Binary alternatives certainly are a rather new type of bargaining tool and rapidly gaining popularity with increasing proponents. These kinds of options give traders repeated opportunities to set tradings relating to the panel with inventory prices, commodities, foreign currencies, and share directories via pretty much all over the world (which guarantees something happens to be being traded about every time of day). With digital option trading you will not need to acquire any options contracts contract or observe the market rapidly declining sharply or incur virtually any huge financial risks. They have been traded for years, but contain simply just lately received community thanks and interest. Previously referred to as exotic alternatives and are exchanged only on the select couple of little individual exchanges. In the event you wanted to trade in these exotic choices before 2008, you acquired to spend a personal peacemaker a great in advance charge just to enter in the market for you, simply because there was low system for investors and shareholders. These types of days this can be a simple subject to place up your account. In reality, you can investment your binary accounts with a visa card and end up being up and trading in regarding five minutes. To read more read in this article gazetafjala.com .


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If you want a vacation like nothing else you have ever experienced consider visiting Oman. This Middle Eastern nation on the edge of the desert offers fun, adventure and an opportunity to find tranquility in an atmosphere found few other places in the world. Oman provides travelers the chance to explore the desert with people who have lived there for centuries.
Read the Original Article Here:
Muscat Holidays: A Once In A Lifetime Experience


text: > From: firstname.lastname@example.com [mailto:email@example.com]On Behalf Of > Tim Williams > > Nick Gardner wrote: > > >I've been reading some of the new papers (I don't have them all yet), in > >particular, Currie et al.'s phylogeny paper. I don't like that it > >excludes ornithomimosaurs and maniraptorans since they are > closer taxa to > >the tyrannosaurids than Allosaurus > > Ahhh... but are they? I recall seeing at least one fairly recent > phylogeny > that found tyrannosaurs to be the next outgroup above carnosaurs. > Perhaps > it was an AMNH paper. Nevertheless, in those studies (the AMNH ones, Rauhut, my last few SVP phylogenies, etc.) ornithomimosaurs + maniraptors (together, Maniraptoriformes) are STILL closer to tyrannosaurids than are allosaurids. On the other head (:-), there aren't too many well described basal maniraptoriform (or basal coelurosaur) skulls, while there IS a lot of detail of the nitty-gritty of Allosaurus to help potentially polarize characters. Thomas R. Holtz, Jr. Vertebrate Paleontologist Department of Geology Director, Earth, Life & Time Program University of Maryland College Park Scholars College Park, MD 20742 http://www.geol.umd.edu/~tholtz/tholtz.htm http://www.geol.umd.edu/~jmerck/eltsite Phone: 301-405-4084 Email: email@example.com Fax (Geol): 301-314-9661 Fax (CPS-ELT): 301-405-0796


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Open Preview See a Problem? Mog rated it really liked it Apr 08, Dec 26, Peter Noreen rated it liked it Shelves: These mostly emulated the style of The Naked Gun with varying success and often targeted specific films; many were panned by critics and most performed poorly.
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You will no longer have access to your profile. May 31, M rated it really liked it Shelves: Nielsen portrayed the doctor in the Spanish horror comedy Spanish Movie[63] a spoof comedy like Scary Moviebut making fun of popular Spanish films. From the frozen wilds of northern Canada to New York, Los A This is a romp through 40 years of an extraordinary acting life. Andrew rated it really liked it Dec 01, Kelly said in a statement. Ass grab girl. Bad luck follows you around and everyone knows it.
After his career-changing performance in Airplane! The Canadian-born actor died from complications from pneumonia at a hospital near his home at 5: This was the first time Nielsen had reprised a character since Frank Drebin. The family resemblance is uncanny, but people have put serious thought into this hilarious theory. There are no discussion topics on this book yet. Maybe you and a friend just wear the same outfits a lot. A Space Travesty ".
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Here are examples of test questions from the CSAP, taken from tests given in previous years. The grade levels and subject areas are in bold.
Fifth-grade math
During the summer, Henry earns $5 per hour babysitting and $4 per hour mowing lawns.
Part A: Henry babysat a total of 48 hours. How much money did he earn babysitting?
Part B: Including the 48 hours of babysitting, Henry earned a total of $308 by the end of summer. How many hours did he spend mowing lawns?
Answers: A: $240
B: 17 hours
The test scorer is looking for multiplication, subtraction, division or other valid processes.
Third-grade writing
What makes you happy? Write a paragraph in which you describe something that makes you happy and explain why it makes you happy.
Scorer is looking for students to write and speak for a variety of purposes and audiences using conventional grammar, sentence structure, punctuation, capitalization and spelling. Must be written in paragraph form.
Fifth-grade writing
Imagine that you have become a hero for a day. Write a story about the day you became a hero. Remember to include characters, details, a beginning, a middle and an end.
Scorer is looking for a focused and engaging story that stays on topic and demonstrates a logical arrangement of ideas.


text:
You don't want to lose that down the back of the sofa! British 1703 coin made using gold seized from Spanish treasure ship sells for world record £845,000
- Price beats the previous world record for a British coin by more than £200,000
- Only 20 of the 'Vigo' five guinea pieces were minted, to celebrate a naval victory
- The coins were made out of 7.5lbs of gold captured from a Spanish galleon
A 300-year-old British coin has sold at auction for a world-record price of £845,000.
The five guinea 'Vigo' coin dates to 1703 and was made using gold seized by the British from a Spanish treasure ship at the Battle of Vigo Bay.
Just 20 of the coins were struck, in celebration of the victory, and they are now among the most collectable pieces of coinage in the world.
The Queen Anne Vigo coin was sold by London auctioneers Baldwin's of St. James's.
It was eventually bought by a phone bidder for a hammer price of £703,000. With fees added on the total price paid for it was £845,000.
The 20 five guinea Vigo coins were struck from gold plundered from a Spanish galleon, They were struck with a distinctive 'VIGO' mark
The whopping price is the highest ever shelled out for a British coin, smashing the previous record of £630,000 for an 1817 George III silver crown.
The series of Vigo coins were made out of 7.5lbs of gold captured from a Spanish galleon. After the British failed to capture Cadiz in October 1702, the fleet intercepted Spanish treasure ships laden with Aztec and Inca gold, coming back from America.
The British attacked the Spanish fleet in Vigo Bay and captured the gold and silver on board.
The booty was then returned to Britain where, desperate for gold, the Bank of England had it melted down and turned into coins.
The pieces feature a bust of Queen Anne on one side and coats of arms on the other.
Of the 20 coins struck 16 are known of. This coin spent many years with a private collector who decided it was the right time to sell it.
The obverse of the coin shows the date of its striking and includes a traditional Tudor rose as well as coats of arms of England, Wales, Scotland and Ireland
Stephen Fenton, director of Baldwin's said: 'We figured it would get a very high price like this because the market is so strong the moment.
'These English five guinea coins are among the most desirable coins about and we had a lot of interest.
'The history of the Vigo coins really appeals to collectors and even brings in a whole different market from Spain.
'Because of the price there will always be a slight limit to how many people can buy them but on this occasion interest was incredibly strong.'
Mr Fenton added: 'The coin is in amazing condition and has been given the highest grading possible by an expert.
'It had been with a private collector but with the market as strong as it is at the moment, he decided it was the right time to place it in our auction.'
The price is vastly higher than similar sales in recent years. Two years ago a similar coin was sold at for just £225,000.
That 'Vigo', sold at Boningtons in November 2016 was at the time only the sixth example of its type to be offered for sale in the last 50 years.
Another example sold for £240,000 in Lewes in December 2012. And auctioneers Spink sold one in 2005 for £130,000 and an inferior example for £82,000 two years later.
The 'Vigo' coins are incomparably more valuable than equivalent coins from a similar period.
A two-guinea Queen Anne gold coin dating from 1713, which was similarly struck but without the 'Vigo' mark, sold for just £5,400 in 2016.
The comments below have not been moderated.
The views expressed in the contents above are those of our users and do not necessarily reflect the views of MailOnline.
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'I want to reflect a problem, my dad told someone to lie, the other said that a free water purifier, who knows to deceive the elderly 3960 yuan, now the old man can not eat at home!" Yesterday, live in Longkou City East Mr. Qu of Boqu Village in Lai Street reported that his father was caught in a water purifier scam. He wanted to announce the details. He hoped to remind the reader through his father's affairs and be careful to be fooled by the liar.
Mr. Qu told reporters that his father walked the dog downstairs a few days ago. A middle-aged man with a southern accent came forward to take the initiative to talk, saying that he is a staff member of the National Healthy Drinking Water Project. Now the project He is an official in the Longkou area.
The man said that because Qu Daye is older, he wants to apply for a free drinking water purifier for Qu Daye free of charge, which is good for his health. He also told Qu Daye that this water purifier only has the right of local residents to apply for it. And one household can only apply for one, which can give the song grandfather a flicker.
When the grandfather of the song was moved, the other party was hot and iron, and he said good things, until Qu Grandpa signed a 'application for a direct drinking water purifier'. After the signing, the other party told Qu Uncle that this machine does not need money, but in order to To ensure the long-term normal operation of the water purification processor system, the unit needs to track maintenance. The customer only needs to change the filter core regularly. The cost of this filter element needs to be paid out by himself. It costs 660 yuan a year, and pays 6 years. Qu Daye was surrounded by the man. On the spot, I gave 3,960 yuan to others. After the man went home with Qu Grand, it was installed.
In the evening, after Mr. Qu came home, he saw that the free water purifier applied by his father was somewhat cheap. It is not necessary to find out if the news is online. The so-called 'National Healthy Drinking Water Project' has nothing to do with the product. For the water purifier that was collected free of charge, the Internet snorted. He knew that his father was cheated.
Subsequently, he called in accordance with the phone left by the other party, and wanted to return. The other party had been shirking and said that it would be disassembled in a few days. After two days, Mr. Qu called again and could not get through.
The reporter called the phone and it could not be reached.
'I just want to remind everyone of the Yantai Evening News through such a thing.' Mr. Qu said.


text:
Resigning from a job can be stressful and confusing. When is the best time to resign? Who should you tell first, your manager or HR? How do you write a resignation letter? We provide counseling to all of our candidates about resigning from... More
Article List
When it comes to hiring, no one likes surprises. Months have passed since you've identified a need on your team, freed up the budget, created the position specs, and made the position public. Since then, you've interviewed dozens of... More


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15% In Store Student Discount with Crepeaffaire
Enjoy freshly prepared crepes whatever your craving, at any time of the day!
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Planning on some naked bike riding in Boston this when did being nude in public become legal? Being a favorite of millions, Betty Boop pictures are a hit on the online space.


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"Lady Bird" is the highly acclaimed YA (Young Adult) drama doing just poorly enough at the box office to generate serious Oscar buzz. No, we don't understand the logic either, but mainstream entertainment must be for the common folk, while these little gems receive endless accolades from the industry and serious movie enthusiasts.
Saoirse (pronounced Sur-sha) Ronan stars as high school senior Christina MacPherson, who insists on being called "Lady Bird." This has no reference to the former first lady; it's just a way of establishing her own identity. This is the semi-autobiographical account of actress Greta Gerwig, in her first solo outing as writer and director.
Gerwig was born in Sacramento, her parents were a nurse and computer programmer, she attended an all-girls Catholic high school, studied musical theater and went on to study in New York. Maybe we could drop the "semi," it's autobiographical. Gerwig shares some odd high school related anecdotes filled with more pain and regret than humor. For some (most?), this overwhelming transitional period is more applicable than not.
Lady Bird is from the wrong side of the tracks. Her parents are struggling to make ends meet. She clashes with her mom over just about everything but has a solid relationship with dear old dad. Although she's physically and socially awkward and finds academics a challenge, something inside her knows that a bright future must be elsewhere.
Not unlike many high schoolers, Lady Bird feels displaced. She hopes for a lifestyle with new opportunities and a place to spread her wings. Although she's not sure where, she knows it's not at home, "I hate California, I want to go to the East Coast. I want to go where culture is like, New York or Connecticut or New Hampshire."
Given her state of immaturity, Lady Bird's energy bounces her off the walls along the way. At this age, it's not uncommon to feel the world is against you, but at times, Lady Bird is against the world. She disses her best friend, "decorates" the nun's car and defiantly snacks on Holy Communion wafers.
There is some honesty within her protests, where the audience is supposed to instinctively nod, "How true," but then she shamelessly disrespects a pro-life speaker, "If your parents would have aborted you, we wouldn't have to be listening to all this." No matter what your political view, her actions come across as smug and mean-spirited.
Most issues are with her mom, played to the hilt by Laurie Metcalf. It's not that they don't like each other, but don't understand each other. Worse yet, neither makes an attempt to do so. Ok, that's not too far from typical, but here, they take it to the extreme. Being this story is autobiographical; it helps explain some of her issues and actions.
Gerwig's initial 350-page draft would have taken six hours to film. She must have had a lot on her mind. There are some that fully identify with Lady Bird, which may be why the movie received a standing ovation at the Toronto International Film Festival. Don't get us wrong, we celebrate average people who emerge from the doldrums, take on the world and achieve their lofty ambitions. We just couldn't identify with this specific character.
"Lady Bird" is a long 94 minutes and rated R for language, sexual content, brief graphic nudity and teen partying. This movie is well acted and directed but we've seen all this before. An awkward teen tries to fit in, experiences her first romance and applies to college. Give credit to a more current level of authenticity for a target audience that just wasn't us.
Lady Bird is condescending but can be clever when she grumbles, "Sacramento is like the mid-west to California." What we didn't get was pseudo-momentous proclamations, such as "People go by the names their parents give them, but they don't believe in God." There was a pause for the audience to soak in this poignant insight. Like the rest of the movie, we carefully considered it, judiciously weighed it and concluded, "meh."
Ron's Rating: C Leigh's Rating: C


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While googling around, searching for books about Web Aplications Exploitation, I came across this awsome book called "Web Hacking 101".
The good thing about this book is the fact that it was written by an early stage hacker, that was on the beggining of learning web exploitations and therefore it reports it's progress on a compreensive language for new comers.
The book itself is over 200 pages long, and it covers prety much all you need to know to gear up and become a web aplication hacker.
It covers all the basics, explaining how each type of XSS attack works, showing past attacks as exemples, overall you will be presented with dousands of real world cases of XSS exploitations by bug bounties, mostly from Hacker One.
The attack vectors presented are the following:
- Open Redirect Vulnerabilities
- HTTP Parameter Pollution
- Cross-Site Request Forgery
- HTML Injection
- CRLF Injection
- Cross-Site Scripting
- Template Injection
- SQL Injection
- Server Side Request Forgery
- XML External Entity Vulnerability
- Remote Code Execution
- Sub Domain Takeover
- Race Conditions
- Insecure Direct Object References
- OAuth
- Application Logic Vulnerabilities
Besides all the explanations, you will be presented with a big list of tools used during attacks and also youtube videos and twitter profiles to follow.
If you're just starting on exploring web appliations hacking, I really advise you read this book, most available attack vector are spoken there, giving you a wide view of all possible ways to be successfull.
While you read it, try to test some of the examples, an come back later on fter gaining some knowledge, it will all make more sence.
One very good tool, spoken on this book is Burp Suit, I sudgest you try it, you can find a set of videos on how to work with burp here: https://vimeo.com/album/3510171
Also, follow the author twitter/youtube account, he has plenty of hacking material for you to learn from.


text:
35 Yrs Old Building a Rental Portfolio - Overcoming Doubt
39 Replies
Lafontant Cherilus
from Collingswood, New Jersey
posted about 4 years ago
Had breakfast with a close friend of mine this morning and I explained that my goal was to eventually have minimum of $5,000 month coming in (after taxes) from rentals in low income / working class neighborhoods. And I have ZERO today and recently got married.
His response:
1. You will have a hard time doing that given you'll soon have a family and kids.
2. You have significant student loan debt so don't do anything silly
3. Make sure you really know what you're doing and the tradeoffs for doing that vs the stock market. (Note: he is very very experienced in investing in stocks, works for a hedge fund)
Left the breakfast meeting feeling a bit deflated...but where there is a will ..there is a way. He made some very valid points. Now my quest is to find a MENTOR who has done this..
Paul C.
Rental Property Investor from Henderson, NV
replied about 4 years ago
I don't have a mentor for you, but I do have another way for you to look at this.
To get $5,000 / month net, you basically need $6,000 / month gross or $72,000 year of gross profits.
Using a buy and hold strategy, I've found that I can get 7% yield on my unlevered real estate investments in single family homes. This will be area dependent, but 7% seems consistent with what large institutional investors are targeting too so I'm comfortable with that assumption.
So then the question becomes, how long will it take you to own about $1 million of real estate free and clear?
Maximize the difference between your income and expenses, invest your savings and assume you can grow it at 7%. How long will it take you to hit $1 million? It's simple math that will let you see what's necessary and if it's possible.
Buy and hold is just one approach (the one I'm using) and I'm sure others will point out other ways of getting a higher return than 7%. But I think you can use 7% as a conservative and realistic return.
I celebrated the 6th anniversary of my 29th birthday back in May... have a wife and 4 kids... about $200k in student loan debt... and own 4 multifamily properties (well, the bank might have a say in that "own" word).
The stock market versus real estate question doesn't have a right answer, the question is what works for you. My view on it? I don't understand the stock market. Factors I can't see, touch, taste, or control cause wild oscillations in the market that are completely irrational. As such, it feels a bit like gambling to me. Real estate? Hey, everyone needs a place to live. Location is fixed. They aren't building any more land. It has real intrinsic value that I can understand, estimate, and evaluate. I go with what makes sense to me, in my brain.
Just like stocks, the sooner you get into real estate the better... especially as a buy and hold investor. Even a property that you rent that just breaks even for the 30 years you've mortgaged it results in a property you own free and clear in 30 years at which point it most certainly cash flows. There's inflation every year, we all feel it. Much like the mortgage on your primary home feeling smaller and smaller each year as your salary rises... those rental mortgages feel smaller and smaller as rents increase over the years. Lastly, interest rates remain at historic lows. There has never been a better time to leverage into the market. Who knows when that will end... but once it has passed, it will be unfortunate.
Just my thoughts... there's a lot of 55 year olds here wishing they started at 35... lots of 35 year olds wishing they started at 22.
Michael Germinario
Real Estate Investor from Point Pleasant Beach, New Jersey
replied about 4 years ago
Hi @Lafontant Cherilus ,
First of all, don't surround yourself with naysayers and negativity. They will only tell you about the problems, you need to focus on the solutions. Now for your specific points:
1. Family and children: All the more reason and motivation for you to pursue your dreams. Anybody that says you can't do something because you have a family has a warped view on life in my option.
2. Student loans: Again, all the more reason and motivation for you. REI can be a solution to this problem, it depends on your mindset.
3. REI vs. Stocks: Do enough reading and studying on the topic and you will find this answer. My view is that diversification is great, so try and invest in both. However based on my research, I would choose RE if I had to choose just one.
My best advice for you is to draft a business plan around your REI goals. If you can draft a business plan seriously and accurately you will find 99% of your questions get answered. Maybe your plan is a home-run, maybe the numbers don't work out, but you owe it to yourself to find out.
Good luck and happy investing,
@Nathan Emmert , @Michael Germinario , @Paul C. , Thank You for the tips!
Nathan, with your high student loan debt, how were you able to obtain the properties?
My loans are all amortized over 30 years... one is a low fixed rate the other is variable and something I'm targeting to pay off over the next 4 years. I think the fixed one is on a ramp too minimizing the payments now and growing every 2 years.
I also have a solid 6 figure salary.
And I worked with a local credit union versus a bank which makes the rules a bit different. They were more willing to take into account the proposed income from the properties and were actually showing my DTI improving with each property I purchased.
Doug Shapiro
Real Estate Broker from New York, NY
replied about 4 years ago
Never give up hope. Start small and grow to reach your $5,000/month goal. The earlier you start investing, then better. Being a real estate investor is a big commitment, so if you do get involved, then realize that it is a career.
If I were you I would pay off my student debt as soon as possible - whatever makes sense for you. This will improve your credit and increase the amount banks will let you borrow for real estate investing. Most lenders require 25% down payment for investment real estate, which is a significant amount of cash. There are other options available to you though.
Are you set on buying in low income/working class neighborhoods? Do you want to do this because properties are cheaper in these types of neighborhoods? I would recommend buying a primary residence in a better neighborhood that you are comfortable living in. If you can afford to buy a multifamily or a duplex then that may be best. When you buy a primary residence, then the lending requirements change - if you are a first time home buyer then you may quality for 3.5% down payment, but most lenders will require between 5-15% down payment. This allows you to purchase a lot more real estate with much less cash down. Also, the reason why I suggested multifamily or duplex, is so that you can live in half of the property, and rent out the other half. This will cut your mortgage payment down a lot. Furthermore, even if these types of property are above your budget, the lender will include the anticipated rental income you will get into their guidelines for lending, so you may very well qualify for a much more expensive property than you thought.
Of course all of the advice above assumes that you are financially responsible and are good with how you spend money. I understand your friend's concern about adding debt to your student debt.
I have experience with investing in stocks and real estate. I definitely like real estate a lot more because you have something tangible and can manipulate so many factors such as what you charge for rent, how you can improve the property, how to market the property, etc. You have much less freedom with stocks and I personally think stocks are much riskier. Agree with Michael Germinario about diversification.
I would recommend avoiding low income areas given your situation. I would not want to be juggling low income properties if I had a young family. I would also recommend reading Buy and Hold Forever by Schumaker for an interesting perspective.
Your post led to my husband and I having some interesting dinner conversation, thanks for that. When we were starting our family, we didn't notice the expenses. We are noticing them now as they are in high school and gearing up for college. Our situation is a bit unique, though, we made drastic changes when our kids were born to move to a low cost area and live on one income. Luckily the income grew as expenses grew, so we didn't feel strapped. Not sure what your income potential is or how much you will need to fork over for daycare, a big expense.
If I had things to do over again, though, I really would have wanted to buy as many properties as I could before the kids were age two or so. If we had bought a few properties in solid neighborhoods that were slightly cash flowing, we would have the 15 year mortgages paid off right about now and we would have significant cash flow to fund the added expenses we are now noticing.
Leverage as much as you can and buy as nice as you can and it will pay off in the long run.
Frankie Woods
Investor from Albuquerque, NM
replied about 4 years ago
I really like the advice given on this thread so far! @Nathan Emmert ,is spot on: once people finally get comfortable with real estate, which doesn't take too long mind you, they all wish they had started sooner! Even the ones who had major obsticles/mistakes. It is truely an incredible way to build wealth. Additionally, @Michael Germinario stated, diversification can be a good thing when considering REI vs. stocks. I do both as well, and I've like the results. I wish you luck. The worst thing you can do is let naysayers get you down. Keep your head up. All you have to do is take one step at a time, and before you know it, you'll be right where you want to be!
Thank You All. Michele to answer your question
Having grown up in a low income/working class community (Newark NJ / Irvington NJ). I know first hand how the neighborhood has changed. I also know that despite the stereo types , there are plenty of hardworking people who would like a safe neighborhood to raise their children but can not afford the rich suburbs that people in my financial situation can afford. I went to Wharton to get my MBA seeking to make a change in this world while also earning money.
So I've committed myself to finding a way that I can invest in quality working class neighborhoods...be an active investor, build up the community, neighborhood association so that working class families can find a decent place to live. These families do not qualify for section (8) / public assistance but they deserve someplace to live
And if the widening gap / disappearing middle class is any indicator...all of us on Bigger Pockets could leverage our talents to provide quality housing to the disappearing middle class as in the years to come they may go to working class.
Dawn Brenengen
(Moderator) -
Real Estate Broker from Raleigh, NC
replied about 4 years ago
@Michele Fischer I'm exactly in that position you are looking back on. My twins are two, and I refinanced two rental properties when they were babies, one into a 15 year and another in a 20 so that they will be paid off when the girls are in college. I have two other properties, one is already paid off, and the other has about four years left. They bring in a total of $5550 right now, so once they are all paid for, I should have a decent amount of additional cash flow to fund college, weddings, down payments for their homes, retirement, etc.
Mike H.
Investor from Manteno, Illinois
replied about 4 years ago
If you find the right model, you can build that income.
I started out with a 43k HELOC. Thats all I had. I bought 3 rentals a year for roughly 6 or 7 years. Then the stars aligned right around November of 2013 and I've been able to buy 13 houses in the last 13 months.
I now have 32 rental properties. And I am easily over that 5k number. No flipping. I did cash out 53k of my 401k last year to help me get these 13 homes this year. But ultimately you just have to start small and continue to work at it.
When it comes to investing there is one rule I liked to follow - slow and steady wins the race. At some point, once you've kept at that pace you're comfortable at (1 a year, 2 a year, etc), you'll reach a point with lenders, contractors, and yourself that you'll be so locked in to your system that you'll be able to grow to any goal you set.
The keys are:
1) Set your goal and stick to it. You'll be shocked at how fast your portfolio grows in 5 or 6 years when you stick with a modest goal.
2) Learn as much as you can.
3) Protect your credit like its the most important thing on the planet - because it is.
Robert Steele
Investor from Lucas, Texas
replied about 4 years ago
As someone who has surpassed that cash flow number after 15 years since starting out I have two pieces of advice for you:
1) don't buy junkers if you plan on retiring on their backs - they will not appreciate in price or rent compared to desirable places. Instead by near new construction so that you won't get hit with heaps of maintenance when you are retired on them
2) RE is a get rich slow scheme
Anthony Crecco
Residential Real Estate Broker from Thornwood, New York
replied about 4 years ago
Hi I agree don't listen to the naysayer. If this is your goal dream and passion go for it
You can reach out to me I can help you with the mentoring thanks
Lafontant, investing in working class areas that have some upside potential for revitalization or some sort of increase in neighborhood desirability is a solid plan. I admire your desire to add social responsibility to your investing goals. Landlords do play a role in making the world a better place and providing housing to all income groups. We work to provide affordable housing to low income as an alternative to slumlords. My point was that if you cater to the lower ends of the spectrum, you will be spending more time and money than your desired lifestyle supports. So think solid working class, not barely getting by working class.
That's a good point @Michele Fischer . I agree. Solid Working Class. Basically I'm targeting individuals that may not earn a LOT of money, but they have stable jobs and are looking for quality housing for their families.
@Anthony Crecco - I will definitely take you up on your offer!
Tim Bishop
Land Agent from Texas
replied about 4 years ago
My wife has school loans, for us, rental property will throw off enough profit when self managed to cover her debt payments. The 20-25% down payment on a home is way less than her school loans so even though we have a debt with interest, it can be offset and we wouldn't be able to make that investment without continuing to carry the debt vs paying it down. It would take more cash to make the same money consistently in the stock market and it would be a much steeper learning curve (for me) to really know what I'm doing. At the end, we have an asset vs a zero balance on an old loan.
Having a wife and kids is a great motivator. Married couples with or without children on average have higher individual income average than singles http://www.familyfacts.org.... I think extra motivation is a reason.
For me, the moment we found out we were having a kid my motivation to invest went way up. We make enough money to be fine with kids but it made me remember that I want to be more than fine and I want my kids to be able to learn from my success rather than failure or mediocrity.
I have close family that looks at landlords as slumlords unless the properties are high end and perfect.... what I do is worse th. So I just don't talk to them about it and I continue with my plan because it works. You don't need to second guess yourself just because it's not how somebody else makes there money.
Thanks Tim! You're absolutely right! This morning I was practicing my visioneering exercise (where after reading, or prayer.. I then begin this process of visioning a goal and releasing it). I wrote my wife a "short story" while she slept, detailing our future (kids, real estate business, barbershop/mentoring center , health/fitness) and the impact we'll have on our future children and the community as a whole. I'll keep pressing on! Inch by inch!
If you were to purchase a $500k property with $5k in rent (or combo of properties), that broke even on a 15 year loan with all costs in included, you'd own the property outright in 15 years.
Assuming 4% annual rent increases, you'd be clearing $8,658 per month in rent in 15 years. With no mortgage payment in at that time, you'd likely be clearing something like $5k per month in profit.
Can anyone give me an example of a property that they bought for $500k (or today's equivalent) that is now getting $5000+/month in rent. You make it sound easy. I'd love to see one or two examples of such a property.
A $500k property that gets $5k in rent, is by definition, a "1% rule property" because the monthly rent is 1% if the purchase price. While there is often debate as to whether 2% rule or 3% rule properties are out there or how hard they are to find, 1% rule (or close) are not that uncommon in many markets.
This one just one of a number of properties I bought this year that hit the 1% rule or greater.
Search these forums for lots of 1% rule discussion.
Mark Gallagher
Flipper/Rehabber from Lehigh Valley, PA
replied about 4 years ago
@Lafontant Cherilus lots of great advice stories here, but I just wanted to add that people have always told me things are too difficult/complicated/unattainable. I don't have a list, but I'm pretty sure I've accomplished every single thing people told me were too difficult to do. Make a plan and achieve it. Ditch the naysayers.
Great advise from everyone here. Like @Nathan Emmert I have way too much student loan debt, but a good paying job, so am now finding the ability to purchase properties.
I would not heed the advise of your friend. If he's not an investor in real estate, he really has no basis for judgement. Being knowledgeable of the stock market does not mean you know a lot about anything else (even if it is a helpful and lucrative skill).
If REI is what you are interested in. Jump in. I'm on my first rental property now, and while it is not the worlds best deal, I am so glad to have taken the plunge (it's not a bad deal either, and should cash flow nicely). I'm learning a ton, and I hope to use this knowledge to keep going and ramp up to exceed the point that you are talking about in the next few years.
Good luck. I hope to see your success stories on BP as they come...
@Andrey Y. Not sure if you are asking for an example of a single family $500k property that makes 1% or more in rent! or of you just want to hear of a 1% property... My first property (bought 3 weeks ago) was purchased for $66k. I'm putting $10k in in repairs, and shooting for $1200/month in rent - a little better than 1%. Assuming that there are many more deals like this in the market (I must assume this as a newbie is unlikely to get the best deals) then I can see where you can easily get to $500k "worth" of property in 5 purchases or so (total cost of my property is ~$75k, but total market value is around $110 or $120 with the improvements I am making and the quickly rising prices in the neighborhood). Have you not seen this in your markets? ...it sounds like many on BP do even better - hitting 2 and even 3% on their investments.
@John D
I am well aware of the 1% and 2% rules ;) Read what I wrote exactly as stated, that was what I was looking for! Thanks.
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I recently started playing Zoroark GX. However I just lost a game because I was unable to copy my opponent's GX attack with Trickster GX. Before building the deck I looked up the ruling, so this surprised me. There is a thread on Pokegym with the ruling, and although it's not official, I couldn't find anything ruling the other way.
Update: It was working for me today. There must have been a condition on the GX attack I missed. Disregard me.
Edited by Alabrel, 20 June 2018 - 12:55 AM.
- 0


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Thread: Sunday Thread: Be Prepared
Results 1 to 7 of 7
#1 Sunday Thread: Be Prepared12-06-2009, 01:22 AM
I don't know the temperature on The Mountain because, if all goes according to plan, I am(Bubba) in Thomasville Georgia this Sunday morning and my fellow Goat Roper Rockntractor is posting this for me. (Thanks Rock.)
The forecast was for snow showers Saturday (yesterday) on The Mountain but it all depends on how the precip and the cold temps moved through. I just hope to avoid freezing rain.
TOTD: Preparedness. This time of year, every year, I try out the generator, clean the chimneys on the oil lamps, make sure the propane tanks are full, check the flashlights and batteries, check the coolant/anit-freeze in the radiators of the vehicles and the tractor, and get ready for cold weather.
It really doesn't get that cold here compared to up North or out West, but we can have sleet or snow and lose power, or we can have an ice storm and really lose power. We were without power for six days once several years ago. Thing is, no power, no water if you use a well for water (we do and that's why we now have a generator for the well.).
We have emergency gas heat for each dwelling on the place and are all on the same well/water-line, and we can cook with gas, so no power means pretty much no electric lights, TV, internet, etc. Not really a big deal if you can cook, flush toilets, and stay warm.
We've also got a tractor and chainsaws to clear our driveway if there are trees across it.
We don't exactly live in the wilderness but we do live in the woods on a mountain and bad weather can really affect us.
So, TOTD, how do you prepare for bad weather, or earthquakes, or forest fires, or dust storms or urban riots or whatever it is you may conceivably have to face in the place where you live?
When you travel, what kinds of preparations do you make.
I worked six days this week, and I'm tired. :) I shopped for a few minutes Saturday night & took my mom out to dinner.
TOTD: I really don't need to do much here. Pipes are not insulated like they are other places, so just in case they say it's going to get really cold, I just let the water drip during the night to prevent frozen water in the pipes. This is like four days a year. :p
I did cover my outdoor plants the last two nights, as they are still in bloom. Yeah, flowers in December.
I am cleaning the chimney today and checking the heat tape where the water line is. The generator runs good and I have 5 gallons of gas on hand, also I have 5 pounds of chocolate 10 bottles of topping and 2 gallons of ice cream.
What is this "bad weather" you speak of?
rm -rf obama*
We experienced a severe ice storm in 94, we had no heat, no lights, no water, nothing, we werent prepared so we had to evacuate. I vowed never again.
I have a crank up radio, oil lamps, propane heaters, 3-20lb propane tanks (full), candles, a couple water purifiers and a couple cases of bottled water.I predict future happiness for Americans if they can prevent the government from wasting the labors of the people under the pretense of taking care of them. Thomas Jefferson
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The infrahyoid flap was first described as a myofascial flap by Clairmont and Conley on 1977. It is mainly used for oral cavity, oropharyngeal defects, but it has also been described for parotid region, pharyngolaryngeal tract and cervical tracheal reconstruction defects and as myofascial transposition preventing fistula after total laryngectomy and for reconstruction of iatrogenic fistulas on cervical spine surgeries. It may also be an alternative for microsurgical free flaps in elderly or patients with clinical comorbidities. The infrahyoid flap is harvested after the neck dissection and it usually is ipsilateral to the defect.
Materials and Methods: A total of 12 patients submitted to reconstruction of head and neck defects from November of 2013 to May of 2017 and followed up until October of 2017 were retrospectively studied.
Results: Twelve patients were included, 3 females and 9 males, with an average age of 62,7 years. From those 12 patients, the flap was used for the reconstruction of oral cavity cancer resection on 8 patients (04 tongue, 03 floor of the mouth and 01 cheek mucosa). The others were single cases of: oropharyngeal cancer, laryngeal cancer, laryngocutaneous fistula and tracheocutaneous fistula. The average hospital stay duration was 5,33 days, with only one patient staying longer than 6 days due to previous clinical comorbidities. There was no severe complication, such as total loss of the flap or death related to the procedure. Regarding the adverse outcomes, there was one case of partial loss of the skin of the donor site, which was covered with skin graft; one case of laringocutaneous fistula, with spontaneous closure on the 30th post-operative day; 2 cases of temporary orocutaneous fistula, with no need of additional interventions; and one had partial loss of the flap's skin paddle. As for the functional outcomes, 10 patients have complete rehabilitation with no feeding tube or thracheotomy. Two patients have partial rehabilitation, one due to dysarthria, but with intelligible voice, and other with mild dyspnea due to reductant tissue but without tracheotomy. This last-mentioned patient is still on clinical evaluation of other causes of dyspnea. From this group, one patient died from a second primary tumor one year after the procedure.
Discussion: Most local flaps used for head and neck reconstruction are bulky, interfering negatively with functional outcomes on some cases, on the other hand, microsurgical free flaps demand a highly specialized team, carry expensive hospital costs and are not suitable for patients with major clinical comorbidities. Conversely, the infrahyoid flap is a thin and flexible myocutaneous local flap, which allows mobility of the preserved structures surrounding the defect, it is easy to harvest with minimal donor site morbidity, and does not require another surgical team.
Conclusions: The infrahyoid flap is a versatile and safe option for head and neck defects reconstruction. Our cases presented low rates of complications, with no total flap loss or major complications related to the procedure. The majority of the patients have complete functional rehabilitations and the remaining have minor functional impairment.
AHNS Annual Meeting
Held during the Combined Otolaryngology Spring Meetings (COSM)
April 18–19, 2018 Gayloard National Resortand Convention CenterNational Harbor, MD
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1027 Hickory Harbor Drive
Gallatin, TN 37066
4 beds - 3 baths - 2,316.00 sqft - 0.710000 acres
MLS Updated 19 minutes ago - MLS #: 1993369
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Est. Mortgage $1,568.59 - First on site 2 months ago
Revitalized in Jack Anderson zone! Walk to the Lake! Open Living & Kitchen, Amazing Kitchen Island, Breakfast Room, Built-in Desk, Separate Den with Built-in Bookshelves. Irresistible Outdoor Living Area, In-ground Pool, Lots of space for entertaining, Gorgeous Fenced in Shaded Back Yard and NO Homeowner's Association! Extra Storage in Storage Building, Garage & Attic! New HVAC 2011!
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Properties marked with the IDX logo are provided courtesy of the RealTracs Internet Data Exchange Program. Some or all of the listings may not belong to the firm whose website is being visited (Benchmark Realty, LLC). IDX information © 2019 MTRMLS, Inc. Information is believed to be accurate but not guaranteed by the MLS or Benchmark Realty, LLC. IDX information is provided exclusively for consumers, personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data last updated 2019-02-20T20:12:39+00:00.


text:
Lemmy Kilmister Prevails With Crushing Motorhead Show in New York
Although there have been bumps in the road for Motorhead lately due to Lemmy Kilmister's health issues, the band played a complete set at Jones Beach Theater in New York and rocked their fans to the core.
Motorhead's set kicked off with "Bomber" and "Stay Clean." Despite not performing any tracks from their new album Bad Magic, the night was filled with favorites "Metropolis," "Rock It," "Lost Woman Blues" and "Doctor Rock," which included Mikkey Dee's roaring drum solo. Both Lemmy and guitarist Phil Campbell made fans smile with their wit and sharp humor onstage in between songs.
Of course the night ended with the very notable and timeless thunderous anthems "Ace of Spades" and "Overkill." There's no stopping Motorhead as the band is finishing up their tour in the States, followed by a trip to the high seas for their Motorboat Cruise.
Their Motorboat companions Anthrax and Crobot both brought some serious energy as support for the tour. Hometown boys Anthrax had the crowd on their feet for their set and definitely made fans do some war dancing. Crobot brought the funk, and although the band is not as heavy as Anthrax or Motorhead, their live performance is undeniable and their music pays homage to the sounds of good ol' rock 'n' roll.
Motorhead are also set to take Europe by storm to round out the year, and it appears that Lemmy is not ready to throw in the towel. After all, this is a man who belts out, "Know your body's made to move / Ya feel it in your guts / Rock 'n' roll ain't worth the name if it don't make a strut / Don't sweat it, we'll get it back to you / Don't sweat it, we'll get it back to you / Overkill / Overkill / Overkill!" Motorhead continue to bring the rock 'n' roll as hard and as loud as they can night after night.
Rock + Metal Stars in the '80s, Then and Now
You Think You Know Motorhead?


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Tossed Founder And His Army Of Tossers And Turners Set To Crush Competition
The salad fast food chains founder and brains behind Tossed is far from the average business executive. Vincent McKevitt founded Tossed two years after graduating with a business degree and started out with his first eatery in Londons Paddington in 2005. A health-obsessed McKevitt spends more time at the gym than with his companys numbers and calls his employees tossers. He may leave the numbers to his finance team but he is serious about his business and hes got everything to show for it.
Last year, the salad chain turned over £8.3m, delivering 9% comparable sales growth with a £389,000 pre-tax loss due to costs incurred in setting up two out of the three cafes in Dubai. Tossed has been capitalising on the increasingly growing wave of ultra-healthy clean eating brought under the limelight by the likes of celebrities such as the Hemsley sisters, TV chefs Jasmine and Melissa as well as the iconic London restaurant The River Café. Tossed now has 24 sites and plans on opening 48 new locations over the next four years, expanding beyond overcrowded London lunchtime market.
At the time McKevitt launched Tossed not only was his concept a novel one selling custom-made takeaway salads and soups to weight-conscious and time-strapped Londoners there were not too many healthy options out there. Tossed stood out as the only eatery that served truly low-fat unprocessed and natural foods. Since Tossed opened its doors, other healthier eateries such as Pret, Leon and Starbucks have been riding the wave with healthy meal offerings. McKevitt does not consider these other brands as competition as Tossed remains the only eatery to offer purely organic, natural and low-calorie meals. Ive seen an all-natural, free-range egg, raw sugar brownie that has 650 calories in it, he explains. Yes, that might be natural, but it is massively unhealthy and thats not cool.
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No doubt it was a great idia to have a group bath, together and fully naked.
Within moments, they are all butt-naked with those young, bald, tiny pussies exposed.
I love women navel…I have already two true tiny incidents of my navel experiences.is another one…there was a servant who worked for more than 10 yrs in my home…her age was around 35-40.I was then 15…she wears very light sarees and tucks her pallu at her waist...
Never thought to ask another woman to see if it's normal so I hope you get some more replies! I actually develop cysts at the bottom of my tail bone due to hair and have to have them surgically removed not very nice! Just make sure your not allergic to anything first! 1st time I went to salon to have my lady bits waxed I was mortified as it was the woman 2 doors down & I hardly knew her...
Now she just gets to work & we gossip about people in the village! Im always so jealous of women with nice beach bums!!
If I bent over you wouldn't be able to tell if it was my *** or my partners...that bad When I was in high school I succumbed to peer pressure and began shaving my bum.
Looking back there was absolutely no need for me too... But my friends would say all body hair was disgusting..like a sheep I followed the crowd. Its grown back thicker, hairier and its even on the cheeks.
There used to be a girl in my class who had something for me.
I was just being friends with her as I was not totally interested in her.Just an opinion to let you know not all men like baby smooth skin. Lucy- have you been checked for PCOS and other hormonal disorders?There could actually be a cause for the excessive hair.".........mr.navelmaniax ain't too silly not to grab a chance. so i said.."kiss is a mere thing, i have even licked her navel, u know how much girls like that... One day a girl named Radhika came to our hospital and she was having an unbearable pain in her abdomen. But i have a hairy one too and i shaved it ONCE when i was with my ex and regreted it.Tags: Adult Dating, affair dating, sex dating


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to KONGOS
must-see concerts in Cleveland this weekend
By Annie Zaleski, special
to cleveland.com
on August 19, 2014
What shows are you seeing
this weekend? Let us know in the comments!
8:00 p.m. Wednesday, August 20
House Of Blues, 308 Euclid Avenue, Cleveland
Tickets: $16 via Live Nation
The cancellation of Kings of Leon's Blossom stop is good news for fans
of KONGOS: The Phoenix-based band—that features a quartet of brothers
from South Africa—is now doing a more intimate show at the House
of Blues. Unfamiliar? Not quite: Chances are you know the rock band's
massive accordion-aided earworm, "Come With Me Now," a syncopation-heavy
tune that just went platinum.


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Day 055 "Torcheckled"
Ever so tired.
It was an early start to the day I wouldn't necessarily want to do again.. For another six months or so.
Dental hygiene at 9:30am anyone?
If you stood up and said, "Yes sir, me please! I'll take it! ..and with gusto!," I'll slap your face with a white glove a bunch of times while saying 'wake up' repeatedly.., in your face.
It's no fun. Drills and weird polishing whizzy devices; which is a little too much like having one of those janitors, with those big things they push around to wax the floors of office buildings.., right in your mouth. It's not enjoyable.
The woman that did the cleaning - after my third panoramic X-Ray in "two years!" - honestly, I'm gonna have paper clips and small metal things snapping onto my magnetic jaw soon.. - well anyway, she was very good at her job. I have to say.
She made one fatal mistake right off the bat when she invited Jeannette to sit in the room and watch the TV. Yeah, well she watched a cartoon for about two seconds and then spent the rest of the time heckling me from her perch in the corner and distracting the woman who had tiny pick axes and grappling hooks inside my face by making her laugh.
So you know, that was appreciated.
Then Jeannette went on the chair and I also stayed in the room.. and was the perfect gentlemen I am: despite being a professional comedian with the ability to shred someone doing as poorly as she was in such a situation. Don't even concern yourself with what I would say. It would be gruesome. Terrifyingly scorching! I assure you!!
But I held back.
And read a book about books.
I'm not sure I like it. Seems a little too educated for me. The guy knows a lot of fancy words and quotes. And I didn't see any footnotes on those quotes either. Which I'm pretty sure means he didn't have to look them up. If he did I think that would be considered research and there should be a footnote. Don't quite me on that one. OR footnote me. You know what, I wouldn't even quote it. It's really nothing worth repeating. Especially out of context.
I'm trying not to judge the guy. He's a smart dude. He learned the fancy words. And if it's a topic I'm interested enough in to buy the book then perhaps I should learn some of those words. Which is why I'm still reading it. Could be his language is just a bit different than mine but we're saying the same things. Who can say?
And now I sit here at makeshift desk, feeling those evil grappling hooks digging into my lower front teeth like an inept rock climber cutting up the other edge of the mountain something awful. Bleck! I don't like it!
But as I said, the dentist was super friendly. Knew everything about teeth you could probably ever know. So that went about as well as such an experience can go. Then we went for breakfast and ate anything and everything that might wash away the taste of the evil paste in our mouths.
Then we came home and I did some work. It's going well, but man, it's a lot of work. This is the most I've gotten done in quite a while. I've been 4 hours plus for the last bunch of days. Still have stuff to do during the day, as we do tomorrow, but getting a lot more done now in between nunctions (necessary functions).
Seems to be the default now, when I'm feeling settled at all. I dig in and figure shit out quick.
So then we leave next week.
Blast! But BLAST! It's going to be incredibly fun. Even if just a fraction of the fun we had last year will be amazing. So if I have to leave this freight train of progress I'm glad it's for what's coming. And it'll all be jammed into a short period of time. So we're in and we're out. Sounds good to me.
All right. That's a minimum. But when all I have left in the tank after a night of writing the book is a shortened blog entry, I'll take it every day of the week.
When things are going well, I'll be writing shorter entries. Just a tip I'm learning about myself I thought if share. Do with that what you will. Nite monkeys. -mp


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Canadian Rheumatology Association (CRA) and Allied Health Professions Association (AHPA) Interview Series 2015
Today's feature interview – Linda Wilhelm on the Arthritis Patient Charter
ABN reporters from Canada's arthritis consumer organizations interviewed leading health professionals and researchers during last month's CRA and AHPA annual meetings.
Beginning March 9, feature interviews will be posted on the ABN YouTube channel http://bit.ly/ABNYouTube. Please help us raise awareness about the important work going on in Canada by sharing the interviews with your organizational and social networks.
About Linda Wilhelm
Linda Wilhelm is a mother, a grandmother, and an arthritis advocate who has lived with rheumatoid arthritis for over 30 years. Her advocacy work includes the following:
- Atlantic Canada representative and Co-chair for the Consumer Advisory Council.
- Operations committee member of the Best Medicines Coalition.
- Frequent participation on Health Canada's advisory panels and conferences on access and drug safety.
- Two term member of The Expert Advisory Committee for Vigilance of Health Products.
- Member of the Drug Safety and Effectiveness Network's steering committee.
- Active advocate for treatment access and quality of care both regionally and nationally.
- Past board chair for the New Brunswick Division of The Arthritis Society.
- President of the Canadian Arthritis Patient Alliance.
The Arthritis Patient Charter
People with arthritis have the right to:
- Be treated with dignity, respect and consideration. This includes being heard by healthcare providers who respect privacy and confidentiality.
- A timely and accurate diagnosis. Arthritis leads to significant joint damage when left undiagnosed and untreated.
- Timely access to all types of high-quality care. This includes access to all qualified healthcare providers and professionals.
- Readily available current information, education and support programs about arthritis and evidence-based arthritis care. People living with arthritis have the responsibility to learn about arthritis and arthritis care.
- Be informed and participate with their healthcare providers in all treatment decisions. This includes discussing treatment risks and benefits and timely access to medical records. People with arthritis have a responsibility to live a healthy lifestyle, speak openly with their healthcare providers, ask questions about treatment and follow the agreed upon course of treatment.
- Equal public reimbursement and timely access in all provinces and territories to available medication and non-medication treatments. Surgery and rehabilitation therapy that improve activities of daily living and quality of life should not be considered elective.
- Live their lives fully without discrimination. Enjoying life to its fullest potential includes taking part in family, social activities, school and employment. This may require removal of barriers and access to disability programs.
- See that research is underway to find a cure and improve quality of life. Arthritis research must: be funded to an amount equal to other chronic illnesses and include people with arthritis to help set priorities, participate as research partners or in clinical trials and benefit from its discoveries.
- Be included in the development of health policies and programs that affect them. The voices of people living with arthritis must be considered to develop the most relevant and meaningful policies and programs.


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Premiere: Ben Taylor Ready With Advice on 'Oh Brother'
Posted in: Music News
Singer offers younger siblings the benefit of his experience
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By James Carville
Every 4 years americans carry a presidential election. an individual wins and someone loses. that is existence. yet 2008 was once an anomaly. The election of President Barack Obama is set anything a long way greater than 4 or perhaps 8 years within the White condo. when you consider that 2004, american citizens were witnessing and taking part within the emergence of a Democratic majority that may final no longer 4 yet 40 years.
To comprehend the emergence of an enduring Democratic majority we will first need to spend a number of moments reviewing the profound and incessant incompetence of the Bush management -- and the pursuant cave in of the Republican social gathering. that implies on reflection on the failure of Republican principles -- together with a wholesale rejection of the parable of conservative superiority at the economic climate -- and protecting our noses lengthy adequate to survey the gallery of really repellent scoundrels, scandals, and screwups that the Republican social gathering has been answerable for over the past 8 years.
After finishing the unpl...
Read Online or Download 40 More Years. How the Democrats Will Rule the Next Generation PDF
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Each 4 years americans carry a presidential election. anyone wins and a person loses. that is lifestyles. yet 2008 used to be an anomaly. The election of President Barack Obama is set anything a ways higher than 4 or maybe 8 years within the White residence. due to the fact 2004, americans were witnessing and taking part within the emergence of a Democratic majority that may final now not 4 yet 40 years.
Extra resources for 40 More Years. How the Democrats Will Rule the Next Generation
Example text
My favorite quote on the whole debacle was the New York Times' editorial: "In Iraq, lax government oversight and incompetence or profiteering by contractors have disabled reconstruction efforts. "5 What do Iraq and the Coast Guard have in common? I'll give you a hint: Bush. Corruption and Cronyism Obviously you'll have Democrats involved on occasion. I'm not denying that Bill Jefferson and Rod Blagojevich had their problems. But corruption is an institution with these Republicans. It's systemic.
That $3 trillion figure, by the way, comes from Professor Joseph Stiglitz of Columbia University, who only won the Nobel Prize in Economic Sciences. Of course, the cost of the war the Republican Party championed becomes all the more unconscionable in light of the economic crisis they engineered. Lack of oversight, rampant tax cuts, burgeoning budget deficits, failure of regulation, and Republicans' anything-goes attitude toward fiscal policy are at the core of our current economic problems. What is absolutely stunning is that the Republicans, after committing the United States to a $3 trillion war, were unwilling to commit a trillion dollars toward a stimulus package to get out of what Alan Greenspan said would be the most wrenching economic crisis since World War II.
As the years pass, the evidence keeps piling up. Americans now have overwhelming, incontrovertible proof that Florida was stolen, and it's just one part of the body of evidence that proves Republicans are corrupt. JUSTICE DEPARTMENT Two dispositive words for you on the topic of Republican corruption, dear reader: Justice Department. To my great joy, one of the first post-election headlines questioned whether Obama would be investigating Alberto Gonzales and the Justice Department. 21 That bodes well.
40 More Years. How the Democrats Will Rule the Next Generation by James Carville
by Brian


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Human Environment Interaction
Essential Purpose
The relationship between the natural environment and human culture is a two-way street. Too often, only one part is asserted: that the form of the natural environment influences (or, in extreme cases, determines) the human culture of a place. Mountains may prove obstacles to communication, but transport technology overcomes the barriers. Climate may limit the growth of certain crops, but irrigation or greenhouse protection can extend a plant's natural limits. That is not to say that the natural environment does not pose risks: hurricanes, earthquakes, volcanic eruptions, or droughts all pose risks to human settlement. But as human technology expands, people are able to adapt to the constraints once placed by the natural environment.
Besides technological adaptation, human culture has increasingly modified the natural environment, shaping it to its needs. Clearing forests for agriculture, paving surfaces for urban areas, damming rivers, exploiting minerals, polluting air, streams and oceans, are all examples of the permanent changes to the natural world resulting from human culture.
Places are the resolution of the forces of nature and adaptations by human culture. Moreover, as this relationship changes over time, so too do places. We should treat human change to the environment as a diversion of energy to human society from the path it follows in the natural system.
Rather than simply comparing the nature of the physical environment with what people do with it, we should consider human perception. Thus, an environment may be considered hazardous by an objective observer, but explaining human adaptation involves knowing how the environment is perceived by those who use it. People might not be expected to settle on the sides of active volcanoes, as in Central America, or build on the shores of hurricane-prone coasts – that they do requires understanding how they perceive the environment and deal with the risk.
Essential Questions
- To what extent can people predict the consequences from human alterations to the physical environment?
- Does how humans perceive the environment affect how they choose to modify it?
- What can be learned from human modification to the environment?
Dams: Harmful or helpful?
Why and how are dams constructed?
What are the costs and benefits of dam construction on people and the environment?
How effective are dams in achieving their objective without harming the environment?


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