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What is a mortgage broker
Mortgage loans are brokered on behalf of companies and individuals by mortgage brokers, who effectively act as intermediaries. The job of a mortgage broker is to identify banks or direct lenders that would make the actual loan an individual seeks. Working with a mortgage broker in The-Burroughs will help you get the mortgage loan you require at a favourable deal, without any unnecessary stress. The right broker will also improve your chances of getting a mortgage, even if you have a poor credit score or are subject to any other circumstances that could complicate your mortgage application.
Professional mortgage brokers are bound under strict regulations and required to comply with banking and finance laws in the customer's jurisdiction, so, you don't have to worry about being in the wrong hands.
What Is A Mortgage?
Simply put, a mortgage is a loan. A mortgage is not like a personal loan, as it is specifically attached to a piece of property used as collateral against the loan. If you default on your payments, your mortgage provider has the right to take back (repossess) the property.
While shorter or longer terms are available, mortgages are usually set for a 25-year period. A repayment plan is set up as soon as you're granted permission to borrow the money. Even though the available mortgage plans vary, those that involve repayment plans on a monthly capital basis are very popular.
As well as paying back the money you initially borrowed (the 'capital'), you'll also be charged interest on that sum. Acquired by the collateral of a particular property, a mortgage is an instrument of debt the borrower is required to repay, according to a pre-set payment structure. Large properties can be bought by individuals and businesses via a mortgage facility, whereby they don't have to pay the entire cost immediately. The loan and interest attached needs to be paid back over some years before the borrower can own the property without a mortgage. If the borrower defaults in making mortgage payments, the property on which the mortgage is secured can be repossessed by the lender.
The property can be repossessed by the lender if the home buyer fails to make mortgage payments, since the bank has a charge on the house. The bank can evict the tenants, sell the property and use the income to pay off the mortgage debt if there is a repossession.
There are many forms of mortgages. While there are longer fixed rate terms provided, the borrower will pay the same interest for the initial term; that is, two, three or five years, with a fixed rate mortgage. During the fixed rate term, monthly payments remain the same. An increase in interest rates in the market won't change the payments of the borrower if they have a fixed rate. The mortgage repayments the borrower makes won't differ if the interest rates in the market change if they are on a fixed rate.
As soon as the fixed rate ends, your mortgage will be returned to a 'standard variable rate' set by the bank, lender or building society that lends you the money. The rate can increase or decrease as the lender decides, so with a good broker or diary system in place, do not forget to re-mortgage or call your existing lender, so you can adjust the rate sometime around three months before it's increased to the variable rate. This will help you avoid paying higher monthly payments.
A mortgage may appear cheaper than it really is, because the initial interest rate is mostly a low rate. If interest rates rise later on, the monthly rates may become too high for the borrower to pay. Because the variable rates can change at any time, the monthly payments are unpredictable after the initial term.
Interest-only mortgages, tracker rates, offset mortgages, secured loans, buy to lets, and bridging loans are less-common types of mortgages that could be available, so contact an independent broker to discover your options. Our mortgage brokers in The-Burroughs can provide help for getting the best mortgage deal to suit your personal specifications and requirements.
Handy Tools and Calculators
With a clear idea of the maximum you can borrow and how much the loan will cost, it then becomes easier to plan your future. Find out just how much your mortgage repayments are going to be, dependent on your interest rate and full loan amount, using this handy calculator. Just fill in those values, along with your term and press 'Click to calculate' to immediately see the amount you will have to repay per month.
Why Use A Mortgage Broker?
There are a variety of advantages that come with working on your mortgage application with a mortgage broker in The-Burroughs. Some of the most obvious of these benefits are:
Save Money
Of all the benefits working with a mortgage broker provides, the possibility of cutting costs would be the most obvious. An experienced expert can take care of the hard work and see to it that your interests are protected. You'll only need to provide a few details.
Some people are not fully convinced about this, what with the concept of a mortgage broker still vaguely understood universally. So, there has to be a catch somewhere, surely? A mortgage broker wouldn't stand to gain anything by not working in your favour. You'll need to bear this in mind, even though any concerns you might have are understandable.
In fact, a broker could be in serious trouble if they are unable to prove to you, their regulators, the Financial Conduct Authority or the Prudential Regulation Authority why they've recommended the particular mortgage that they have. To potentially reduce the cost of the entire loan, there are some mortgage brokers who can secure exclusive mortgages deals not available on the high street. A reputable mortgage broker will disclose how they are paid for their services, as well as detail the total cost of the loan. Positive user experience is much more valuable to a mortgage advisor company than padding out an individual broker's pocket.
Finds The Most Advantageous Deal
A mortgage broker represents your interests, rather than those of a lending institution. Not only should the role of being your agent be their focus, they also need to be knowledgeable consultants and problem solvers. For terms like interest rates, repayment value and loan products, you can get the best possible value from a broker, who has access to a wide array of mortgage products. You'll be required to meet with the mortgage broker to document your needs, as well as your short and long term goals. Many situations demand more than the simple use of a 30-year or 15-year mortgage. Therefore, innovative mortgage strategies and sophisticated solutions are distinct advantages of working with an experienced mortgage broker. These include mortgage to raise capital for repaying debts, money for the children or essential home improvements, or even to enable the purchase of other properties such as buy to lets.
Has Flexibility Expertise to Meet Your Needs
A mortgage broker will work with the client in any situation, as well as manage the process and take care of any bumps in the road that may occur. For example, if borrowers face credit issues, the broker will know which lenders offer the best products to meet their particular needs. A broker will be beneficial in providing the necessary knowledge to source financing if a borrower requires a loan that's larger than the bank would normally approve.
Save Time & Hassle
Money isn't the only consideration. While it's a good thing to save some extra money, your sanity and time matter just as much. Imagine how much time it would take to find out about the numerous types of loans available from multiple lenders. With a mortgage broker, you'll only need one application, rather than completing forms for each individual lender. The loans recommended can be formally compared for you buy your mortgage broker. This will serve as a guide to the information which correctly shows cost differences, with present rates, points and closing costs for each loan illustrated. To find the best deal in terms of lower rates and overall cost, your broker will make comparisons between popular and less popular lenders.
You don't have to burden yourself with all the work, as outsourcing is a viable option to take in order to gain expert advice. A mortgage broker can do a lot of the work by providing you with support throughout the application and approval process. This might involve completing all paperwork, helping you with applications to government schemes, answering questions and explaining the options and loan features, about which you may not have been aware. Drawdown facilities, offset accounts and extra repayments (to name a few) are just some of the features involved. These types of features can make a significant difference to your mortgage cost and experience. In fact, if you don't know so much about these concepts and the effects they could have, you can find clarification and get answers to any questions you may have during a phone call.
Access to exclusive non-advertised deals
There are exclusive deals not made public by the banks that brokers have access to. The banks pass these deals on to the brokers, who are responsible for selling the products. Speaking to a broker unlocks these extra perks you would otherwise miss out on by going directly to a bank.
Brokers can search the whole market for the finest deal, whereas individual banks can only offer their own deals and not those of other banks.
Better chance of pre-approval success
A mark is left on your credit rating if your request for an Agreement in principle/Decision in principle of a loan is turned down. The experience and knowledge required for your best chance of approval the first time you apply is something brokers have in abundance.
Access to expert knowledge
Mortgage brokers help people secure loans for a living. Helpful information and exclusive deals you won't find yourself are accessible to them. There are small details accompanying loans that you might miss if you're not looking for them. The difference to your mortgage could ultimately be made by these subtleties. An experienced professional to point you in the right direction is extremely beneficial.
You can avoid spending valuable time to research numerous loans and lenders (while perhaps missing fundamental key subtleties) and instead give the work to someone with key industry experience. A mortgage broker is a great choice for your home loan requirements, just as a plumber is for fixing a leaking pipe and a hairdresser for dealing with damaged hair.
About Mortgage Saving Experts
Contrary to how they might seem initially, mortgages and insurance are not so difficult. For this reason, it's necessary to find an honest and knowledgeable adviser, with ample experience. Your entire journey can be made stress-free and simple by our mortgage savings experts. Besides, why complicate things more than necessary? Allow us to secure the best deal possible for you and make everything straightforward.
Mortgage Saving Experts offer honest and transparent services to our customers, making them feel that mortgages and insurance are not as problematic as they first appear. At Mortgage Saving Experts, we handle every single mortgage and insurance application like they belong to us. We're all about this. No matter the circumstances – whether this is your first time buying, you're a landlord, moving onto a new chapter or even re-mortgaging, Mortgage Saving Experts are here to help. We are here to provide assistance! In essence "Search up to a thousand mortgage deals by talking to an adviser for roughly 15 minutes."
Our Team of Brighton Mortgage Experts
Due to regulations by the Financial Conduct Authority (FCA), we must do all we can to get you the most suitable deal on the market. You'll get to understand why you received the mortgage you did, because we have to justify the recommendations we make to both you and our regulators.
Down to Earth Mortgage
We are an honest, enthusiastic and passionate team of mortgage insurance experts, with years of industry experience.
Our mortgage insurance experts take pride in listening to the current and future objectives our customers have. We will then work together with you to reach these goals.
Why chose Mortgage Saving Experts?
For the first few years after taking out a mortgage, you'll be subject to an initial rate. After this initial rate finishes, the rate increases to the lender's variable rate. Three months before you're due to renew, our team will reach out to secure a new deal before your monthly payments and rate increase. Other benefits of working with us include:
- With a deal better than the bank variable rate, you'll subsequently save money.
- You don't have to keep track of the timeline, as we will look after this for you.
- You can sit back and relax, while we do all the hard work for you.
- We know our business, so you'll only be advised by qualified mortgage experts.
- To arrange the best deal for you, we compare and dispense advice with regards thousands of mortgage deals.
- For the entire mortgage process, you will be expertly advised and supported.
Our Approach to Mortgage Advice
We make available personalised services and put into consideration all your unique needs. The approach we take to mortgage advice involves three simple steps:
- Let's have an Initial Chat, so we can get to know You and What Your Requirements Are
- We Search the Entire Market to Find the Best Deal for You
- We'll Present you with the Cheapest and best Deals Available for Both Mortgages and Insurance Cover
How Mortgage Saving Expert Brokers Can Help you:
The things that make our services the best amongst mortgage brokers in The-Burroughs include:
- Understand your needs and circumstances via fact-finding.
- Spell out the costs buying and selling involves.
- Request relevant documents to assist with the application.
- Recommend and explain the prospective mortgage.
- Respond to any questions you might have.
- Obtain an agreement in principle.
- Get your whole mortgage application submitted.
- Answer any questions and work together with your mortgage lender, solicitor and estate agent until the final stages.
Mortgage Types We Provide Expert Advice On
We advise our clients expertly on a vast selection of mortgage products. By working with our team, you'll have no trouble finding the perfect mortgage product to match your needs. The most popular mortgage types we're requested to handle include:
First time buyers
Most mortgage lenders put people in the First Time Buyers category if they have either:
- Never owned a property or
- People who have owned a property in the past, but not owned one for six months or more.
Every lender has different rules and ideas about this. Typically, there are no problems with being a First Time Buyer. To qualify for stamp duty relief as First Time Buyers, you must have never owned a property before, anywhere in the world.
While mortgages may look like a tedious process, they don't have to be. Buying your first home is one of the most exciting things ever, so if you find a reasonably priced, reputable broker to manage the process for you, do hire their services. The reason you should use one is quite apparent. After all, if you don't know a thing about cars and yours breaks down, you would rather call a mechanic than fix it yourself. The same applies to mortgages. Mortgage brokers can help you save money, time and effort, so why don't you use one? There are no charges for the initial consultation.
Buying a home
You should brush up your knowledge of mortgages if a home purchase is a viable option for you any time soon (or a few years down the line). Get to know what to do before your mortgage application, during the application process itself and the way in which to use it after buying the property. If you'd prefer a different approach, then speak to an adviser who can guide you through it.
Your credit is important.
A mortgage is of major importance. The banks risk a lot of money and have been increasingly cautious since the subprime mortgage crisis in 2008. To qualify for a mortgage, good credit is helpful, but not essential. Based on your present situation, we can also be your guide when it comes to how much you can afford to pay for your new home and what your price ceiling should be. Not only will we help you buy your dream home, we'll also help you finance it with the lowest cost and most convenient mortgage deal available.
Re-mortgage your home
Simply put, all you're doing with this is changing from one lender to another to get a better rate or cheaper deal. They don't always sit well together. Let me make it clearer. If you have a small mortgage, you'll probably find it's not worthwhile paying an arrangement fee to the lender just to go on a lower rate. You might find it cheaper by going on a slightly higher rate and paying no arrangement fee to the lender at all. Even with a lower rate, you could end up having a costlier deal in total, which is why it's always prudent to talk to someone before you make any decisions. Focus on any small print.
One advantage of re-mortgaging is that you won't have to pay any valuation or solicitors fees. That said, not everyone is eligible for this exemption. Any reasoning depends solely on your circumstances at the time of re-mortgaging. So, please check with your adviser.
A brilliant way to ensure you cut down on your mortgage bills is to re-mortgage on time. Depending on your specific needs, a re-mortgage deal might not be the best option, even though it does have its advantages.
Reasons for remortgaging your property
- Based on your unique circumstances, such as…
- Mortgage debt is considerably small.
- There has been a change in financial circumstances.
- Expensive early repayment charge.
- Decrease in home value.
- You're dealing with credit problems.
- Already on a suitable current rate.
- We will dispense advice on the merits of pursuing a re-mortgage.
Buy to Let
A 'buy to let' property is one you want to purchase in order to rent out to tenants. Legally, you cannot live in the property. The number of available lenders will be restricted if you're a First Time Buyer, purchasing a buy to let property. Also, extra checks are made by the lender in cases like these.
- There are some things you might want to know when purchasing a buy to let property.
- The rental income you receive is a primary factor when determining the size of the loan you can borrow.
- You'll be required to pay a 3% stamp duty after your normal stamp duty.
- If the value of the property isn't valued at the amount for which stamp duty becomes liable, you are still required to pay the extra 3% of purchase cost.
- TIP: You should ask your solicitor/conveyancer to figure out how much you must pay when considering buying a second property.
- To find the best mortgage to match your requirements, a good adviser will know which questions you need to answer.
- To see if you're eligible, reach out now to our advisers.
How Much Do Mortgage Brokers Charge?
Most mortgage brokers get paid commission from lenders, which will be a percentage of the mortgage loan you receive. This is often about 0.33%, even though it largely varies, based on your mortgage needs. For example, a residential mortgage or buy to let and if you've had any credit issues recently. Many independent brokers charge flat fees, usually around £500. Be sure to enquire about how to make payments to brokers. They must be completely clear, letting you know the exact figure and fee structure in place.
We charge the client £695 as part of our fee structure; if the mortgage lender pays any commission, it is then deducted from that figure. If we are paid a commission less than £695, the client is then asked to pay the necessary difference to top it up to £695. For example, if we received a commission of £495, we would then ask you for a fee of £200 which is payable on production of your mortgage offer, so we are only paid on results.
How Much Can I Borrow?
This takes into account many factors, such as how much you deposit, the amount you earn, the number of children you have and what debts (if any) you have in the background. The amount a lender would be willing to lend is dependent on a comprehensive affordability assessment that helps them understand your income, as well as any loan or credit card commitments you might have and everyday household expenses. In addition, they will perform a credit check to ensure your credit rating is sufficient for the purpose of a mortgage.
Prior to applying for a mortgage in full, obtain a decision in principle to form a clear picture with regards the amount you can borrow. Arrange to see one of our qualified mortgage experts today. At the initial stage, we can give you an estimate, without needing to perform any credit checks.
The Latest Best Mortgage Rates
We can provide help in many different situations; for instance, re-mortgaging, first time purchase, moving home or buy to lets. We make comparisons between thousands of recent mortgage deals to help you find the one you want.
What Our clients say About us
The list of happy clients in The-Burroughs is a lengthy and diverse one. If you still have doubts about our ability to professionally provide the best deal in The-Burroughs at the cheapest price, see for yourself what some of our customers have said about their experience with us. To get a first-hand experience of the great services we provide, call us today.
Latest Mortgage News
The more information you have to hand in your search for the ideal mortgage arrangement, the greater advantage you'll have. Below can be found recent news on mortgages to provide the insight you need to get started.
Mortgage Regulatory Information
Building societies, specialised mortgage lenders and banks provide the most mortgages across the UK. In total, there are roughly 200 financial institutions that provide mortgages in Britain, even though the biggest share of the market is owned by Lloyds Banking Group and Nationwide Building Society.
Due to the Financial Services Act 2000, a regulatory scheme specifically for mortgages was implemented by the former Financial Services Authority (now the FCA), even though close regulations have always been in place to guide banks and building societies in the UK.
The professional services of mortgage providers are monitored by the FCA. There are stern rules that serve as a guide with regards using unfair, deceitful promotions and adverts, as well as checks for financial service contracts for consumers. Regulations were originally set out in the rules for Mortgage Conduct of Business (MCOB), but these were overhauled as a result of the FCA Mortgage Market Review (MMR) in 2014.
Regarding their financial conduct, organisations that take deposits in the UK fall under the FCA's sister organisation's jurisdiction, the Prudential Regulation Authority. They ensure firms have adequate capital levels to balance out their lending risks.
If you have a complaint about your mortgage provider, the first step is to take up the matter with them. You utilise a complaint procedure via the FCA if you don't think it has been suitably dealt with. In turn, this can be referred to the Financial Ombudsman Service if deemed necessary. Some mortgages are not regulated by the Financial Conduct Authority such as moist Buy to Let mortgages and if you make a complaint about these you are unable to take these to the Financial Ombudsman Service
What To Ask Your Brighton Mortgage Broker?
Again, demand a specific answer – "Within three hours", say, rather than "Quickly".
Don't let the broker get away with vague statements like "Because I'm the best" or "Because I provide great service". Use follow-up questions to demand detail. "What specific things make you better than other brokers? What, specifically, do you do to deliver great service?"
And once you've received answers to these questions, ask if the broker would be willing to put both claims in writing. That will indicate how seriously those claims should be taken.
Hypothetically; Broker A might have done 450 vanilla loans and 50 bad-credit loans, while Broker B might have done 50 vanilla loans and 250 bad-credit loans. So if you were a borrower with credit problems, you might be better off with Broker B.
Next, probe them about their customer service standards
By maximising your deposit amount and minimising your loan term, you stand to significantly reduce the overall cost of your loan. However, there is much more to answering what the true cost of your home loan will be. Upfront fees such as valuation fees, conveyancing and legal fees need to be added to the total cost. Ongoing fees such as those you can incur for using a drawdown facility.
While it's impossible to forecast the entire cost of your mortgage to the penny – and let's not forget how life circumstances and changes can affect your ability to pay your loan too – a broker can can help clarify the big picture details. Mortgage Saving Experts can recommend any protection or insurances to protect you and your family to cover life unfortunate eventualities and our team of advisers can use this information to help you decide which loan is best for your circumstances.
Once you speak to us, however, we'll be able to give you a much more accurate indication of your borrowing capacity. Brokers act as the go-between for you and the lender. Lenders will need to know your living expenses, debts, credit score and whether you have dependents. A broker can factor all these things into the right loan.
A broker can also explain home loan terms you'll need to know, such as LTV, which is the initialism for Loan-to-Value and refers to the percentage of the total loan amount you seek to borrow as a percentage of the property purchase price or value. They can also explain things like the differences in interest rates and repayment types such as Interest Only and Repayment (Capital & Interest)
For example, imagine two brokers joined the industry in 2013, but that Broker A had written 500 loans during that time and Broker B had written 300. In that case, even though both parties would be able to claim five years of industry experience, there would be a clear difference in hands-on experience.
Press the broker to give you a specific answer, such as "Eighteen years" or "I've been a broker since 2007 and in the mortgage industry since 2001", rather than something vague like "I've got a lot of experience".


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News, views and trends in dermatology | Dermatology Update - Topics include psoriasis, eczema, sun protection, moles, melanoma, hair loss, dermatologic and cosmetic surgery and more.
Country: 188.8.131.52, North America, US
City: -122.3933 California, United States
Worked great when starting my seedlings indoors. After I moved my plants outside to the greenhouse and had such a cool summer this light helped to keep them going ( along with blossom set spray). Now that we are already getting frost, my tomatoes are still going due to the light keeping them warm and giving them the supplemental light they need.
I have used Kaspersky for several years. My 2013 version is about to expire. I am looking for something better for these reasons: The program runs quietly, so quietly that it doesn't seem to bother stopping bogus programs from piggybacking into my computer. This problem was discovered when pop-ups began to barrage i.e. with every click of the mouse. Kaspersky was running but I went to windows security scanner site and as wndows scanned my computer suddenly kaspersky pops up with a warning about three intruders "it" had found. Go figure. This led me to discover how difficult it is to find, and then use, Kaspersky contact information. As I write this I am waiting for a response after spending an hour and a half completing the six zillion step proceedure they require to determine the problem. This pop-up program I found and eliminated myself after I had asked them for help, but since the culprit was a newly aquired program I didn't recognize it was relatively easy. What if it had been a program capable of serious damage to the computer?
Another amazing album! Thank you, MB! your cover of God Only Knows is worth the entire album....but luckily, the ENTIRE album is GREAT!! Loved hearing The Roots on this, too! Thank you! Well done!!
I play pickup volleyball at a local gym a few times a week and any time one of these or the Molten Flistatec are brought by someone we end up playing with one or the other. These balls pass, set, and hit extremely well, and serve better than any ball ever made, especially if you use a float serve. According to Reid Priddy of Team USA this ball brought the float serve back into volleyball, and its easy to see why. It moves differently every time you serve a floater from dropping at a moments notice to shaking back and forth like a knuckle ball the whole way in. Don't let the initial slippery feel of the synthetic material fool you, this ball is very grippy in actual play. Overall just a great volleyball, you can see why they are used in Olympic and World League play.
I have used Moroccan Oil for about 8 months. I decided to try this after reading several comments from a variety of websites devoted to hair/beauty. After seeing some videos on YouTube, I decided to purchase this. I have medium length, straight hair. It is color treated and I use heat (blowdryer, flat iron) 2-5 times a week. This oil is much heavier than I expected. I knew that it was not straight argan oil, and was silicone based just like Moroccan Oil. It does not smell like anything except cheap. I used it on my hair 3 times, once wet and once dry, and also as an overnight treatment. It made my hair very heavy and greasy. I would not suggest this product. It is a waste of money even if it is much cheaper than other argan oil hair treatments. The difference is night and day.
It's a great item but it was missing the guitar picks. The box says they're included but they are not. Other than being incomplete, it's a good buy.
Works perfectly with Comcast Internet only service. Size: 3-inches wide x 1-inch thick x 4-inches long. Easy to connect. It will pay for its self in four month, for me, with the savings of not paying that monthly rental/leasing fee. You may need to contact your ISP with the serial number so they can connect your new equipment. I had to call Comcast; took about 30 minutes for their equipment to recognize my new modem. You will need a router to connect your wireless devices. I have this unit connected to a Linksys WRT 1900 ACS router. I have my iPAD Pro, iPAD2, Samsung Phone, 2 laptops, 1 ePrinter, and 1 Desktop connected wirelessly plus 1 Desktop [older model] hard wired. Also, Linksys is very helpful should you need assistance. I am very pleased with this purchase.

subset: commoncrawl


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"The opening piece of the evening…. showed Kalmar to be a joyful and dynamic conductor – he bounced while conducting with big, swooping movements, marking the beat with his entire body; he smiled at the orchestra, encouraging the musicians. In response, the ASO gave the triumphant opener a sunny buoyancy rendered through tight, focused playing. "
"While the engaging and skillful Kanneh-Mason got the crowd in its seats….. Kalmar gave an added depth and splendor to the evening. "


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Winner of the Skipping Stones Honor Award in the Ecology and Nature Books category
The boreal forest is the last great forest wilderness on earth. It drapes across the subarctic right around the world. It pervades our myths and folklore. It provides us with wood and water. It freshens the very air we breathe.
Jane Drake and Ann Love take the reader on an unforgettable journey around the world to view the boreal forest. They show the reader the seasons in the bush, the science and myth of wolves, the life cycle of the woods. From the Siberian Taiga, where tigers and sika deer live, to the Old World forests of Norway, from the Boreal Shield of North America to the birch forest of Northwest Russia, we are introduced to a region of incredible importance. Despite our reliance on it, we have placed the "lungs of the earth" under siege with clear-cutting, acid rain, and even radioactivity.
Cool Woods is not only informative and beautiful, but it is a call to action to anyone who cares about our planet.
Jane Drake and Ann Love are sisters and co-authors who have shared a life-long interest in the environment and the wild. Their writing for children has always had a natural history/environmental-action focus. They are interested in making children more observant of the natural world. Together they are the authors of many award- winning books, including their most recent, The Kids Winter Cottage Book. They have been short-listed for numerous awards including the Red Cedar Award, the Norma Fleck Award, the Hackmatack Award, and the Silver Birch Award. Jane Drake is one of the founding members of Pollution Probe. Both Jane and Ann are married with three children each and live in the Toronto area.
Andrew Kiss came to Canada from Hungary in 1957. He grew up on Vancouver Island teaching himself how to paint while working as a topographical draftsman. He paints wildlife, primarily birds, and has spent much of his life traveling the world to see his subjects in their natural habitats. Andrew Kiss's work has been exhibited across North America and Europe. Cool Woods is his fourth book with Tundra.
"…totally right on…"
–The Globe and Mail
"The design and engaging writing style make this book fresh and appealing. Highly Recommended."
–CM Magazine
"…informative and beautiful…. The text conveys a sense of wonder along with its many facts…. [L]ovingly detailed paintings…teem with life…. [T]he authors provide a glossary, an index, and an indispensable map for this intriguing trip, and many young readers will be inspired to find out more."
–Quill & Quire


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Communal Remembrance of B.K.S. Iyengar
In this time of remembrance and celebration of Guruji's life, we would like you to join with us in a national gesture of appreciation organized by the national association.
We invite you to a moment of communal dedication to the memory of Guruji B. K. S. Iyengar for all members of IYASE/IYNAUS and any others who would like to join us.
We suggest that on Tuesday, August 26, 2014, at 8:30 p.m. Eastern Time, (7:30 p.m. Central, 6:30 p.m. Mountain, 5:30 p.m. Pacific) as many of us as possible, in our own practice spaces or at our yoga schools and institutes, practice the following sequence of asanas (except for Tadasana, we leave the timings to your best judgment):
Tadasana - 3 minutes
Adho Mukha Svanasana
Utthita Trikonasana to the right and to the left
Adho Mukha Svanasana
Tadasana - 3 minutes
5 minutes seated quietly
We ask that you hold Guruji in your hearts as you do this.


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Library of Industrial Mixing Technical Resources Available
We make every effort to provide our customers with as much support after the sale as we do throughout the buying process. We have compiled a library of manuals for our manufactured industrial mixing products and, when available, manuals for our distributed mixing products. We also have a growing number of helpful user education guides. The user education documents explain some of our products in more detail, as well as fundamentals of mixing and dispersion for the beginner. We are… Read More


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Since the most recent update of our outlook on the economy with the release of Aftershock, Second Edition, in August 2011, much has happened. The most striking change is that the stock market has recovered somewhat, up about 10 percent since its low in October 2011 as of this writing in mid-June 2012. In fact, because of that recovery a lot of people have been asking us, "Do you still think there will be an aftershock?" As if all we needed to wipe out the fundamental problems with the bubble economy was a 1,000-point increase in the Dow.
We understand how tempting wishful thinking can be. People naturally hope that the bad dream is over and all is on the upswing. And it is good that people are optimistic. But that outlook simply is not realistic in the longer term. Even in the shorter term, there are big questions looming. Could this be like 2011, which started very optimistically with hopes of "green shoots" (new growth) in the spring, only for those green shoots to wither and turn brown in the summer of 2011, if they really even existed in the first place? Plus, the stock market had external shocks from Europe, Libya, and the Japanese tsunami.
The same could happen in 2012: dreams of green shoots at the start and a browning out as the year goes on, although it is unlikely there will be an exact repeat of the year before. There are certainly many potential external shocks ...
No credit card required


text: You guys, I'm serious. It hit me today like a ton of bricks as I was checking things off my to do list - I'm not having fun. And I bet most of you aren't either. Join me for the Summer of Fun Challenge starting in July….stay tuned for deets. In the meantime, here's some inspiration!


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Virgil Tagsip
Juneau Douglas High Class of 2008
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Belt buckle
Silver and faceted cut paste buckle. English ca 1720. The belt part must have been made of velvet or silk. For very little money these items of such exceptional quality should be highly collectible….
Measurements: 50 mm x 45 mm
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Listing ID: 5753cbb8b1efd26
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On Monday, February 25, Tina Fruhauf, shared highlights from Experiencing Jewish Music in America: A Listener's Companion. Participants had the pleasure of hearing cantorial music from Yossele Rosenblatt and versions of Vay Mir Bist Du Schoen by Molly Picon and the Barry Sisters.
Dr. Fruhauf will be teaching an undergraduate class in the Fall entitled "Jewish Music in New York."


text: Artificial Intelligence, which is gathering pace & widely spoken of as 'the Fourth Industrial Revolution' is going to see our young people in the eye of a storm of change not witnessed since the advent of electricity. It is estimated that a fifth of the workforce will be automated by 2030 (that's 800 million workers*) and it is likely that a huge number of the jobs our children end up in haven't even been invented yet. So with this in mind, how can we best prepare the next generation for a future that's largely unknown?Read More


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Medicom Toy - Star Wars - Mafex Shoretrooper (TM) (Fashion Doll)
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You may be subject to import duties and taxes. [... more info (?)]
- Code: 177852
- Japanese: MAFEX (TM) Rogue One: A Star Wars Story SHORETROOPER
- Weight: 0.2kgs
- Package Size: 7cm x 22cm x 19cm
- Manufactured by: Medicom Toy
- Release Date: Saturday 26 August, 2017
Height: approx 150mm.
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The following quote is designed for business readers. But, the truth in it applies to Christians. The Bible is filled with examples of the Genuine, Intercollegial Relationships we are urged to participate in.
"Put the relationship before the mentorship. All too often, mentorship can evolve into a "check the box" procedure instead of something authentic and relationship-based. For real mentorship to succeed, there needs to be a baseline chemistry between a mentor and a mentee. Studies show that even the best-designed mentoring programs are no substitute for a genuine, intercollegial relationship between mentor and mentee. One piece of research, conducted by Belle Rose Ragins, a mentoring expert and professor at the University of Wisconsin-Milwaukee, demonstrated that unless mentees have a basic relationship with their mentors, there is no discernable difference between mentees and those not mentored. All this is to say that mentoring requires rapport. At best, it propels people to break from their formal roles and titles (boss versus employee) and find common ground as people." What the Best Mentors Do Harvard Business Review Visit Site By Anthony K. Tjan February 27, 2017
When we put doctrine above relationship, we fail to make a difference in our families, our congregations, the church Jesus builds and in this world.


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|10:05 AM PT11:05 AM MT12:05 PM CT1:05 PM ET13:05 ET17:05 GMT1:05 10:05 AM MST12:05 PM EST12:35 PM VEN21:05 UAE12:05 PM CT, May 19, 2019
Fenway Park, Boston, Massachusetts Attendance: 35,796
Astros aiming for series sweep vs. Red Sox
Houston Astros at Boston Red Sox
- The Astros posted a 4.45 team ERA against the Red Sox in the 2018 regular season and a 5.52 team ERA against Boston in the ALCS. The Astros did not have an ERA over 4.00 against any other team in 2018.
- The Astros enter this series on an eight-game winning streak. The only longer winning streak in MLB this season was also accomplished by the Astros (10 from April 5-16).
- Boston has gone 10-3 in May, the second best record in MLB behind only Houston (11-3). The Red Sox .385 team OBP leads MLB in May, while the Astros lead MLB with a .307 batting average this month.
- In the American League, seven players have scored at least 12 runs in May -- six of those seven are in this series: Springer (18), Devers (14), Betts (13), Bogaerts (12), Bregman (12) and Martinez (12).
- Carlos Correa went 2-for-5 last time out and has had multi-hit games in three of his last four. The Astros are 11-1 in his multi-hit games this season; the only player with a better team record in his multi-hit games (minimum 10 multi-hit games) is Nelson Cruz and the Twins (10-0).
- Mookie Betts hit his 200th career double last time out in his 686th career game. The last players to reach 200 doubles in fewer games were Albert Pujols in 2005 (659), Nomar Garciaparra in 2002 (665) and Hank Greenberg in 1938 (604).
MLB Headlines
- Cole, Astros open WS vs. Scherzer, Nats
- Astros exec apologizes, MLB investigates
- Verlander to start Game 2, Greinke next
- Astros bats outside Altuve scuffling
- WS in Houston a homecoming for Rendon
If the Astros took anything from their victory over the Boston Red Sox on Saturday at Fenway Park beyond their series-clinching win, it was the standout performance of right-hander Josh James.
James, who labored to a 7.90 ERA over his first 10 appearances this season, worked three hitless innings in the Astros' 7-3 victory and recorded the most crucial outs of the contest by retiring Xander Bogaerts (strikeout) and Rafael Devers (groundout) with the bases loaded in the fifth.
James returned to the mound and worked a perfect sixth and seventh to extend his streak of scoreless appearances to six while lowering his ERA to 4.56. During that stretch, James has allowed just three hits and four walks while amassing 14 strikeouts over 10 innings.
What the Astros have established is a dominant back end of their bullpen. If James can maintain this form, he only deepens their relief corps.
"That's exactly the kind of guy that we need to bridge these games and we're winning, and the other side is looking at 98, 99 (miles per hour on the fastball) plus the secondary pitches," Astros manager A.J. Hinch said. "Under control and kind of emotionless, which is good. He's just playing the game. Very impressed."
Left-hander Wade Miley (4-2, 3.51 ERA) gets the start for Houston in the series finale. He had his streak of 24 consecutive starts allowing three earned runs or fewer snapped on May 14 at Detroit when he surrendered four runs on seven hits and two walks with five strikeouts over six innings in an 11-4 win.
Miley is 2-2 with a 7.13 ERA over four career starts against the Red Sox, for whom he finished 11-11 with a 4.46 ERA over 32 starts in 2015. Miley last faced Boston in 2017 while with the Baltimore Orioles, going 2-1 with a 4.41 ERA over three starts that season.
Ace left-hander Chris Sale (1-5, 4.24 ERA) will get the ball Sunday seeking to help Boston avert a series sweep. Sale has reclaimed his dominating form this month, going 1-0 with a 1.29 ERA in three starts while recording 41 strikeouts against just one walk over 21 innings. He is 5-2 with a 1.83 ERA over seven career starts against the Astros.
Even with left-hander David Price slated to return to the rotation Monday against the Toronto Blue Jays, right-hander Hector Velazquez had an opportunity to keep his spot in the rotation Saturday against the Astros. With right-hander Nathan Eovaldi at least two weeks out from his return following elbow surgery, Boston remains a starter short even with Price back in the fold.
Velazquez imploded in what was his seventh start on the season, allowing five runs on three hits and two walks while recording just one out. He pitched the Red Sox into a five-run hole from which they never escaped, and jeopardized his chance to avoid bullpen duty with his showing,
"We'll wait and see," Boston manager Alex Cora said on the immediate future for Velazquez. "That spot (in the rotation) doesn't come up again until the last day in Toronto (next Thursday), so we'll talk about it the next few days. Just a bad one. He could have thrown a good one."
--Field Level Media
Updated May 19, 2019


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Nowadays, Netflix churns out so abundant aboriginal programming that it's adamantine to get aflame about one affair afore you accept to move on. With one notable exception: Annihilation accompanying to A Christmas Prince, the Hallmark-ass anniversary cine that 53 Netflix users wisely watched 18 canicule in a row in 2017. (I am not accommodating to acknowledge how abounding times I accept watched A Christmas Prince; that's clandestine advice … until the Netflix Twitter annual decides to atrociously betrayal me.)
A Christmas Prince is not a acceptable blur by any amplitude of the imagination, but it's so comforting—like crimper up with a balmy absolute and some hot amber on a algid winter night. It's additionally absolute pro-blogging, as its capital appearance is a blogger angry approaching queen of a baby European nation alleged Aldovia—which, admitting its absolute Eastern European name, is abounding of bodies with absolute British accents—and that's abundantly appreciated, as I, too, adulation blogs. Thankfully, the Christmas Prince–mania of 2017 and the clamoring of 53 superfans (actually, accomplish it 54!) has not gone unnoticed, as Netflix has taken a august footfall adjoin giving the cine its own accurate universe. Christmas came aboriginal on Friday with the absolution of the film's long-awaited sequel, A Christmas Prince: The Aristocratic Wedding. In the scattering of hours aback the movie's release, I've had aloof abundant time to watch The Aristocratic Bells several afterwards times. "Are you alright?" several accompany and anxious colleagues accept asked; I accept not responded, as I've been too active penning the lyrics to the Aldovian civic anthem.
The Aristocratic Bells delivers on the aforementioned affiance as its predecessor: It is cheesy, not the atomic bit subtle, and acutely retains a pro-blogging stance. However—and I can't accept I'm adage this—the aftereffect does booty some anecdotal turns you wouldn't apprehend from a Christmas movie. By my count, The Aristocratic Bells appearance at atomic 11 of these above turns—many of which may abundantly affect the abutting chapter in the Christmas Prince Accurate Universe, which I achievement prospers on Netflix for years (decades? centuries?) to come. I accept listed them below, and I charge altercate anniversary of them at length, because blogging—which, again, is good—is my alone outlet.
Catching up with our approaching Aldovian queen Amber (Rose McIver) for the aboriginal time in about a year, we ascertain her blog—she's aback larboard Now Beat magazine, the clickbait-loving armpit that beatific her to Aldovia to awning the aristocratic ancestors in the aboriginal place—has gotten ridiculously popular. "Blogs, that's what I do for a living," she says proudly. (Same.)
But Amber is additionally taken ashamed by the success of her blog, which is ridiculous. Imagine if Meghan Markle acquaint circadian blogs in the lead-up to her own aristocratic wedding—the folio angle would be out of control! Now, the aristocratic ancestors of Aldovia doesn't absolutely accept the aforementioned cachet as England's, but the actuality Now Beat was accoutrement them in the aboriginal cine suggests there's at atomic a ample admirers for Aldovia content—and accordingly a ample admirers for Aldovian aristocratic bells content, beeline from the source. Amber is either actuality absolutely modest, or absolutely naive.
As for how the blog looks? Well, it appears Aldovian affairs can't awning annihilation bigger than basal WordPress.
Couldn't she at atomic get on Wix? I'm absolute consecutive royalty-sidler and Wix agent Karlie Kloss would accept absorbed her up with a chargeless trial.
Anyway, in The Aristocratic Wedding, Amber's blogging paradise is advancing in absolute battle with her duties as a approaching queen. "I advance you cease any activities pertaining to your blog immediately," the family's gatekeeper, Mrs. Averill (Sarah Douglas), tells her afterwards one of her blogs goes viral—despite the actuality it's, to adduce Amber, "trending with a ton of absolute comments." Mrs. Averill has a acceptable way of cerebration aback it comes to affairs of the throne, you see, and Amber's blogging tendencies don't chase "protocol."
I accept both sides. Aldovian agreement is aged because it was accustomed decades afore the internet existed, and accouterment added admission to the aristocratic ancestors is the blazon of affair that ability accompany the absolution into the future, and into a afterpiece accord with its citizens. Queen Elizabeth's accommodation to advertisement her own aristocratic bells in 1947 was advised abandoned at the time, but is now the barometer for aristocratic weddings in England, and we're all the bigger for that. At the aforementioned time, Amber should apparently authorize some arena rules for her blog, and accept that BEING ROYALTY care to necessitate some tweaks to her lifestyle.
We didn't get to see abundant of Amber's dad Rudy (Daniel Fathers) in the aboriginal movie, aback he backward in New York City operating his diner, which is alleged Rudy's Diner, aback Rudy is a absolute artistic guy. In The Aristocratic Wedding, though, Rudy tags forth with his daughter—although, Aristocratic Bells Rudy ability be an amateur assuming as Amber's father. Here's what Rudy looked like in A Christmas Prince:
And actuality he is in The Aristocratic Wedding:
This is absolutely not the aforementioned dad. This acquired me some absolute concern—has Amber become so invested in the circadian bullwork of blogging and bells planning that she doesn't apprehend addition has kidnapped her own ancestor and taken his place? What happened to the absolute Rudy? Is he trapped in the Black Lodge?
Thankfully, there's an easy, real-life account for this: It's aloof a new actor, John Guerrasio, demography over the role. The cine alike pokes fun at this, as Princess Emily (Honor Kneafsey) tells Amber, "He looks like a altered person." Touche, Christmas Prince–verse. Blow assured, new Rudy is aloof like old Rudy, in that he's beneath a absolutely accomplished appearance than he is a accumulating of ambiguous New Yorker stereotypes—you absolutely accept to aloof apprehend his "EY, IM WALKIN HEYAH" blazon articulation for yourself—who loves booth food. (For the wedding, he able what he alleged "hockey bogie sliders," which were absolutely the aforementioned as approved sliders, because approved sliders are already shaped like hockey pucks.) He's so acutely from New York, I'd be abashed if he wasn't additionally Tom Hardy's ancestor in Venom.
A Christmas Prince has its feel on the sad accompaniment of media: Now Beat, Amber's above clickbait-happy employer, has shut down. Yet addition victim to Facebook-algorithm chasing, I presume. Or maybe they aloof couldn't attempt in a apple in which accessible abstracts are signing up for WordPress accounts. Overall, the shuttering of Now Beat isn't the affliction affair to appear to society—after all, this is the advertisement that already ran a adventure blue-blooded "Ugly Christmas Sweaters of the Stars"—but Amber's two (only?) accompany were still alive there aback it happened.
So how are they accomplishing post–Now Beat? Well, in this contrarily animated Christmas movie, Andy (Joel McVeagh) has taken a blocked job alive security, while Melissa (Tahirah Sharif) is active at home with her parents. They're acutely both in their aboriginal 30s, so, yikes.
At least, um, they got to go to Aldovia for Amber's bachelorette party. Yay?
I aloof achievement there's no bond acerbity amid the bodies who've had their lives broke and the babe who's marrying a accurate prince.
I told you this aftereffect takes some abrupt turns! The Aristocratic Bells does not, in fact, absorb abundant time absorption on Amber's bells plans, instead animated a ablaze on Aldovia's accepted bread-and-butter turmoil. Federal workers in Aldovia beeline up aren't accepting paid because the government doesn't accept any money, which acutely makes a abundant aristocratic bells a accessible relations adversity cat-and-mouse to happen.
Amber tells Richard she can attending over Aldovia's affairs because she acclimated to antithesis the books for her dad's diner, as if analytic a country's bread-and-butter crisis is agnate to acid a baby restaurant's harbinger budget. Richard accurately shuts her down, but still, there is a ridiculously abundant focus on the affairs of Aldovia. The words "inverse allotment on the new Aldovian initiative" are uttered. Investment in cryptocurrency to bank up Aldovian assets is brought up as a band-aid at one point. No, seriously.
What? Get your crypto allocution out of my anniversary movie!
As I said, bodies aren't accepting paid in Aldovia, and they're arresting because—get this—they anticipate they care to be accepting paid (a absolute difficult point to altercate against). This absolutely acutely undermines the royals' Christmas cheer. Alike Princess Emily's academy assembly of some awe-inspiring bounded allegory about an ogre—she's absolute aflame about it, because in the comedy she gets to kiss a beautiful boy—is shut bottomward because the workers leave in backfire for contributed wages. (And if you're apprehensive why federal advisers are administering a academy play, I don't anticipate The Aristocratic Bells anticipation that far ahead. The alone point is that all citizens are suffering, which still doesn't absolutely accomplish faculty unless the Aldovian clandestine area is absolutely nonexistent. Read: Don't anticipate too adamantine about it.)
Later, aback the aristocratic ancestors gathers to apprehend Christmas cards beatific by Aldovians, one of the cards addresses the acrid bread-and-butter realities the country's citizens are facing.
Did Bernie Sanders address this movie? And added importantly: WHY? Part of the address of A Christmas Prince was that there was about bristles absolute account of conflict, and the blow was alone joyful, mindless, and cheery. I anticipation the aftereffect was aloof gonna be about Amber and Richard activity on impaired sleigh rides and accepting a absolutely fun wedding. I was not able for this left-wing argument on commercialism and privilege.
Remember Simon? He was Richard's bossy accessory (played by Theo Devaney) who was abutting in band for the head and who about became the baron of Aldovia. Well, he's aback in the sequel, and shockingly, cipher is blessed to see him again. Aloof attending at these ever affecting acknowledgment shots.
Alfred Hitchcock is rolling over in his grave.
But Simon has, shockingly, angry over a new leaf. While anybody understandably doubtable him of actuality devious—after all, he is the one that brought up freakin' cryptocurrency—he has annihilation to do with Aldovia's banking struggles. He absolutely wants to advice save the country, and is basic in apprehension the bread-and-butter aspersion amenable for demography money abroad from the citizens. (The aspersion involves a banking accumulation alleged the "Glockenspiel Consortium;" no, I'm not joking.)
Also, speaking freely? Simon went from actuality a punchable also-ran to the best affable dude in the Christmas Prince–verse. Attending at my man agitation his best "Extra in an Off-Broadway Assembly of Les Miserables" look:
I'm not the alone one who noticed: Melissa and Simon get amorous calm at the aristocratic wedding. So yeah, Simon is acceptable (and hot) now, a development best abominable to me and my adolescent Prince-heads.
The aggregate of Amber's bachelorette party—which, by the way, is abounding alone by Andy and Melissa—is spent aggravating to bare aberrant discrepancies in Aldovia's finances. You know, accepted bachelorette affair stuff! This agency cheating about the aristocratic castle.
It turns out analytic journalism is eerily evocative of an adventure of Scooby Doo.
"I apperceive a affair or two about hacking," Princess Emily, a average schooler, says, with no added explanation, aback Amber, Melissa, Andy, and Simon charge advice investigating some adumbral companies. This is absolutely acceptable for the purposes of the plot, abnormally aback it happens about an hour into a cine that is somehow 75 percent bread-and-butter policy, 20 percent wedding, and 5 percent hacking.
And here's what it looks like aback a adolescent attempts to drudge the banking abstracts of a abstruse company, in case you were curious.
"Not absolutely Mr. Robot are you? Added like Mr. Slowbot," Simon says, a ailing burn. But hey, hacking takes time, and eventually, Princess Emily uncovers a not-so-shocking truth: The prime abbot is base and has been demography a lot of money for himself, so that the accessible will about-face adjoin the acme and acquiesce him to consolidate ability for himself. Amber apparently didn't charge Princess Emily's advice to deduce this—she could accept aloof asked herself "Who is the alone new appearance in this adventure with a semi-substantial role?" But now we apperceive that boyish princesses accept hacking abilities, which is important.
In the aboriginal movie, Princess Emily, a beginning sociopath, cast to antic to bodies that she'll bandy them in the alcove if they piss her off. She's kidding, we're assured, because there is no dungeon. Except! As we acquisition out in The Aristocratic Wedding, there is.
This is a abominable adumbration ambitious some unpacking. Yeah, the prime abbot should apparently be confined for this bribery business—but shouldn't he be accountable to the absolute bent amends system? Shouldn't he angle trial? Face some blazon of jury? Go to a approved prison? Can Aldovian ability absolutely aloof bung bodies in their own dungeons after due process?
Feels like a glace slope. I'm starting to anticipate Aldovian aristocratic history is a lot darker than this airy authorization lets on.
Even on her bells day, Amber is committed to her brand.
I would adulation to apperceive how abundant Converse is advantageous Netflix for this Christmas Prince advertising.
All told, The Aristocratic Bells doesn't alive up to A Christmas Prince—as we've covered, it's added than a little invested in the affairs of a small, affected European country, instead of luxuriating in aristocratic bells nonsense, which I'd altercate is what best bodies came for. But still: It has absorbing moments, a blessed ending, and the affiance of added acutely asinine adventures with the Aldovian royals to come.
This cannot be the final angel we're larboard with, advantageously asinine as it is.
Give me A Christmas Prince: The Aristocratic Honeymoon that sends Amber and Richard (and, for some reason, the blow of the gang) to a close destination to agitate things up. Give Accessory Simon—objectively the best accessory aback Accessory Greg—his own aftereffect as a acrimonious available attractive for love. Let Princess Emily and her biggy hacking abilities accompany the Aldovian Special Forces. I will watch them all; and I doubtable at atomic 53 added bodies will too.
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I don't just hate redemption arcs for mean girl characters. I DESPISE them.
On this blog, I have made it clear that we at ShawarmaHead Studios have a preference for mean girl characters.
I am going to tell you why.
You see, for a very long time, I, ShawarmaHead, struggled to find good, creatively written, PROACTIVE female characters. I was so desperate in fact, that I didn't care where I found them.
The keyword here is PROACTIVE. When a character, female gender or not, is a REACTIVE character, it's very dehumanizing. Humans are by nature PROACTIVE AND REACTIVE.
Writers can display proactive characteristics in their characters by simply having a character have priorities outside of the main plot (e.g. going to the bank, having goals to achieve). More often than not, the reason female characters are so poorly done is that they lack that SIMPLE proactive trait that makes it clear that they behave like human beings.
That's why so many people love female characters that do things on their own without waiting for someone for them to REACT to (e.g. falling in love with a man before changing).
In searching everywhere for this proactive element in characters. I came across mean girls. When I did, I had a revelation.
Mean girls are some of the most interesting and proactive characters to EVER be written. Can you imagine having the ability to CONTROL AN ENTIRE SCHOOL ENVIRONMENT while still a teenager? It takes a certain level of EQ genius to accomplish such a feat.
Read more about why I love mean girl characters here
So then why do I hate redemption arcs so much?
Because two things happen to mean girls in redemption arcs.
- They suddenly lose the skills they used to control the school. Bleaching of the brain of sorts. They become a blank slate.
- It is explained that the reason they are like this is because of self-esteem issues and insecurity.
Now I have different problems with each point.
Point # 1 – They suddenly lose the skills they used to control the school. Bleaching of the brain of sorts. They become a blank slate out of shame. Almost as if they have become a child again.
This is the point I have MORE of a problem with. I am expected to believe that a mean girl character who is so ambitious and calculating suddenly no longer has the skills to be able to do these things anymore.
If they are using those same abilities for good? That makes sense. Her abilities remain the only thing that changes are her motivations and goals.
But more often than not. The abilities of a mean girl character always seem to be synonymous with their morality.
If they become 'good', their abilities disappear. Their former intelligence also disappears.
Point # 2 – It is explained that the reason they are like this is because of self-esteem issues and insecurity.
Now, this would be as ONE EXPLANATION. Not the ONLY EXPLANATION for every single mean girl. It's extremely limiting. The only mean girl character who I have ever seen who DID NOT have this excuse was Massie Block.
In the case of Massie Block, she was a character who actively aimed to become a mean girl. She planned for her take over, not because she was trying to hide insecurities, but because she believed she deserved to lead. She believed she had the aptitude. She believed she had good ideas. Even when no one else would. She gave herself the right to become a clique leader.
Screw Redemption Arcs for mean girl characters if it means they lose everything that made them interesting PROACTIVE characters.


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We can hear you wondering: "How are bed bugs a gardening issue?"
Well, they are not, with respect to being a threat to your beautiful orchids or clematis. But if you know that these blood-sucking pests can attack you while doing a bit of weeding or planting, then, the problem suddenly becomes relevant to every keen green-fingered enthusiast out there. Not to mention the youngins with sensitive skin - your kids with an avid interest in gardening or a habit of just playing outdoors at every opportunity.
So, can bed bugs live outside the house?
Yes, quite worryingly, they can.
This post will answer the question and will explore how bed bugs survive outside and where. We'll also explain why you should stay vigilant, even if your home interior is presently free of these minute biting pests.
Last but not least, you'll learn how to prevent them from infesting both the outside and inside of your property.
How do "indoor" bed bugs come to live out in your garden?
Bed bugs won't settle outdoors by choice. They are either unknowingly brought or driven outside.
The insects are renowned for their hitchhiking skills, as they can easily attach themselves to bags, clothes and shoes and this way, travel any distance. On that note, you can bring bed bugs to your property by buying second-hand garden furniture, cushions, throw-overs for your outside sofa or fluffy toys.
"A pest control treatment indoors can drive away a few survivors that run for dear life but "decide" to stay close to the inhabited building - their valuable former abode." commented Alexander Crawley, an entomology consultant at Fantastic Pest Control in Australia, "Those will sneak and hide in cracks of wooden furniture, outdoor structures, wood piles, upholstered outdoor furnishings, trampolines and more." he adds.
How far can bed bugs travel outside?
Well, bed bugs can travel on foot, be it on grass or hard surfaces, which are not too smooth. Considering their tiny size (about 4mm), they can cover a relatively big distance of up to 20 feet per day (or night). So can bed bugs travel through grass house to house? Yes, they can.
The pests have the ability to sense the release of carbon dioxide from their potential hosts (when breathing), as well as their heat. This means that they may also drop by and visit you, after leaving a neighboring property for whatever reason, like running away from an insecticidal treatment, getting hungry in a recently abandoned house or looking for additional food sources, due to bed-bug overcrowding and competition or in other words - due to the expansion of their existing colony.
Sometimes, even the use of regular gardening tools like a lawn mower, a leaf rake or even gardening boots could help them cut the distance and infest a new area.
Why do bed bugs try everything to move inside your home?
Despite that this article has a focus on bed bugs living outdoors, it's important to know that sooner or later, they'll attempt to relocate indoors, to live with you.
Why? They need blood to survive.
The insects don't feed on anything else. Moreover, it's human blood that they are genetically programmed to thrive on and reproduce, with some exceptions. Some types of bed bugs live by feeding on bats.
Also, if starving and as a last resort, the human-insect pests may settle for an emergency feed, sourced from pets, chickens or other domesticated animals.
So, the vermin will be always attracted to inhabited properties and live, breed and grow their colony near people. Hence, their name, as well. After all, what better opportunity to feed than when their host is resting nonchalantly in bed, sound asleep.
Okay, but where do bed bugs hide outside?
Okay, then. Bed bugs will not hide in a flower patch or directly in the grass of your lawn, but they can colonize temporarily the reclaimed or repurposed wooden beams of your raised vegetable bed, for instance.
Also, it's not unheard of to spot a family of bed bugs and their eggs in crevices of second-hand garden planters, made from wood, wicker, rattan or even plastic that imitates the structure of the last two. If you want to avoid uninvited guests, you may want to buy your gardening pieces, like planters, new.
As discussed earlier in the post, bed bugs will also happily wait outdoors for better times to come in the following:
Outdoor buildings - This includes wooden exterior and interior structural fixtures, cracks, holes and crevices in those, as well as infested items in a said outdoor building, which are made or part-made of fabric.
Patio furniture - Bed bugs will snuggle in wooden, wicker, rattan furniture, upholstered furniture, cushions, furnishing covers and blankets.
Your car, camper van - The pests may try to escape the cold by moving into any type of vehicle, parked on your property (you may also bring bed bugs to your property via your travels by car).
Garden structures and items - We could be talking, here, about pergolas, wooden trellises and frames, etc.
Firewood pile - Or the insects could be in a temporary hideout in wooden building material, stacked near your house.
General clutter - Again, be it inside an outdoor building or storage unit, or outside, somewhere you keep disused equipment under a cover, bed bugs will make use of any old electronic appliance (TVs, radios, etc.) or even old gardening equipment, like a broken lawn mower.
How long can bed bugs make it, if living outdoors?
How long bed bugs can live outside your house will depend on several factors. Weather conditions, the presence/absence of the pests' natural predators, as well as the duration of food deprivation will play a crucial role.
On a more lighthearted note, their fate depends on how long bed bugs have remained undetected. If you spot them on your garden sofa, you'll do something about it, right?
But let's see what exactly kills bed bugs, outside a timely insecticidal treatment, and how long it would take for them to die outdoors.
Here is the right place to note that the vermin-insects possess superior survival skills.
The enemies of bed bugs
Bed bugs do have some natural predators, which will eat them without a blink. Masked hunters, Pharaoh ants, common cockroaches, some lizards and spiders will all gladly devour any bed bugs that cross their path.
Still, this doesn't mean that predators are a reliable bed bug control solution, because it's unlikely that they can eliminate an entire outdoor colony of vampire-insects.
Food deprivation
The biting insects are able to reach adulthood only if they regularly eat blood. Also, female bed bugs won't be able to lay eggs if blood is not available.
However, bed bugs can go on without food for a very long time. We're talking months, up to 5 months in warm weather conditions. If temperatures are low, though, an adult bed bug will self-regulate its own body temperature in sync with that outside. The result is that the insect goes into a state, where the lack of food stops being an issue, for a long while at least.
In lab conditions, it's been determined that some bed bugs can survive for over a year without a single blood meal. Nymphs however, will die out much sooner, of course.
Heat and cold
With respect to heat, bed bugs won't survive a professional heat treatment. They will struggle with temperatures above 120° Fahrenheit (49°C). Naturally, such heat cannot happen outside, or at least in most places across the world. So, the scorching summer sun cannot drive bed bugs to extinction, with some exceptions, maybe - in the desert.
If you're curious as to what temperature can kill bed bugs, check out this video.
Cold weather will also pose no huge risk to bed bug survival, unless the temperature plummets under 1° - 0°F (-18°C).
As we've explained above, their body temperature also drops so that they can preserve their energy and survive for a significant length of time.
How do you get rid of bed bugs?
You can take measures to prevent bed bugs from hanging in and around your property. Here's how.
It's harder to treat contaminated outdoor surfaces against bed bugs with success unless you apply a professional pest control method in a repeated manner, at an interval of 2-4 weeks.
For instance, a heat treatment will prove reliable, if applied in storage units, outdoor buildings and vehicles.
Vacuuming garden furniture and applying an insecticidal product will also reduce the population of bed bugs.
Additionally, you can seal wooden and rattan furnishings with a strong oil-based varnish after the treatment.
Most importantly, you can learn from our tips below how to minimize the risk of getting a bed bugs problem in the first place or if your property has suffered an infestation in the past:
Keep watch and stay vigilant;
If you spot bites on your skin, consider that it could be bed bugs;
Wash clothes, bags straight away after returning from a trip;
Inspect and clean the interior of your car (motor home) on a regular basis;
Keep clutter to a minimum in outdoor buildings and storage rooms inside your home;
Inspect second-hand furniture, even when bought from a trusted thrift store, or best try to avoid purchasing used items that can be easily infested;
Maintain a high level of cleanliness in your property;
Have regular bed bugs inspections by hiring a professional;
Treat your home now and again against the biting insects as a preventative measure;
Keep good relations with your neighbors - say, the house next door has bed bugs - your neighbor should ideally warn you if their property has been recently treated against the pests.
Tip: Never throw out contaminated furniture without treating it, first. Otherwise, this could spread the problem elsewhere and drive the bed bugs to someone else's garden.


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Travendly [tra-vend-lee] is a group travel company exclusively for young professionals. We are equally focused between the trips we offer and the participants on our trips. Fun trips with awesome people yield amazing experiences!
New Year trip SALE! 10% off ALL NYE trips!
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Breathe with Ease is a workshop style class where we'll be exploring opening the ribcage and breath. First we'll dive into the technical end, examining anatomy books to learn the mechanics of the three-dimensional movement of the ribcage in breathing and how the breath directly influences the quality of your nervous system. Then we'll take it to the floor, discovering the ease of a deep, rich breath through a fascial treatment that feels a lot like a healing massage.
You'll leave with a sense of increased lung capacity, a greater ability to move your ribs, and the empowerment of being reminded that you can affect your own nervous system to help you chill out when the times feel tough.
This class is exceptionally appropriate for beginners and those of you with injuries, as we'll spend most of our time in relaxing positions on the floor.
*This is a free class, located in the Studio of Athleta Flatirons. Be sure to get there early to enjoy some complimentary snacks AND a very special exclusive shopping deal! Shop, Connect, and Practice. *
Reserve your spot here on MindBodyOnline, Athleta Flatirons.


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CalPERS Considering Direct Contracts With Providers
Exploring possible ways to reduce costs, CalPERS said yesterday that it has asked nearly 100 provider groups to make "preliminary proposals" to contract directly for care given to the pension fund's members, a move that "could reduce the huge role played by HMOs and other health plans," the Orange County Register reports. CalPERS spokesperson Pat Macht said that the fund is seeking the information as a first step "toward seeing if we can alter the face of managed care as we know it." CalPERS has requested bids from 91 medical networks, hospitals and specialty care groups statewide to provide direct care, with the focus currently aimed at the 200,000 members enrolled in its two self-funded preferred provider organizations. The Register reports that CalPERS has "made clear that it is not entirely happy with the [managed care companies] that cover its other one million members." Allen Feezor, CalPERS' assistant executive officer for health benefits, said, "In the future I could envision having fewer long-term HMO partners, along with a variety of other care-managing partners such as health systems, large group practices and even specialty-disease management firms."
CalPERS' announcement, however, was met with skepticism across the health care sector. Walter Zelman, president of the California Association of Health Plans, "scoffed" at the idea of direct contracting, saying the fund "couldn't stitch together the kind of huge medical networks that the HMOs have created." Jay Cohen, president of medical group Monarch Healthcare, said that medical groups would be hesitant to sign direct contracts because of a "fear of retaliation from HMOs." Keith Wilson, CEO of Talbert Medical Group, said that physicians might be "wary" of CalPERS' "aggressive negotiat[ing]" tactics, saying, "[I]t remains to be seen whether the extra costs they think they could squeeze out of the system would be passed on to the providers of health care." Keith Bishop, an attorney who was the state's top managed care regulator under former Gov. Pete Wilson (R), said that CalPERS might be able to save money on marketing and administrative costs through direct contracting. He added, however, that patient protection could decline if managed care companies -- which, unlike physician groups, are regulated by the state -- were taken "out of the equation" (Wolfson, Orange County Register, 6/14).This is part of the California Healthline Daily Edition, a summary of health policy coverage from major news organizations. Sign up for an email subscription.


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Congress demands Rijiju's resignation over his remarks on Gurmehar
New Delhi, March 1: Calling Delhi University student Gurmehar Kaur 'the daughter of Punjab', the Congress on Wednesday said Union Minister Kiren Rijiu should resign for his statements on her and also slammed the ABVP.
Slamming the Akhil Bharatiya Vidyarathi Parishad, the students wing of the Rashtriya Swayamsevak Sangh, the Congress said the 'behaviour of the ABVP was an insult to the armed forces'.
"Rijiju, instead of protecting her, has actually questioned her patriotism. This comes out from a polluted mindset and ideology. He should resign for this," said Congress leader Manpreet Singh Badal.
"It is shameful that the ABVP is threatening the daughter of a martyr with rape. The ABVP's behaviour is an insult to the armed forces, to the martyrs of India and to the culture of India," he added.
Manpreet said: "Punjab has a centuries-old tradition of defending the culture of India. This is an attack on the daughter of Punjab."
"In protecting the rights to free speech and expression, the people of Punjab are very proud of this young girl," the Congress leader added.
Rijiju had earlier tweeted: "Who's polluting this young girl's mind? Some people say they need freedom in India. Listen to those people taking shelter in India after facing torture in neighbouring countries."
He had also said: "Freedom of expression is not a licence to shout anti-national slogans in campuses. Criticise the government but don't abuse the motherland."
[Gurmehar Kaur exploited her 'brave' father's sacrifice: Prathap Simha]
Gurmehar, 20, is in the eye of a political storm over her campaign against the ABVP following the February 22 violence at Ramjas College in Delhi.


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Property Description
2 acres with Rt. 1 Frontage in historic Falmouth, VA. Yes, there is additional lot(53----54, 0.0573 ac). This strip connects the Lot to Rt. 1. There is a narrow creek in this lot. Lot will be great for a house with walk-out basement. Raw land. Survey plat is available. Your creativity will add lots of possibility into the Lot.
Listing Details
|Property Type
|Listing #
|Listing Type
|For Sale
Exterior Features
|Lot Size
|2.00 acres + 0.0573 ac
Courtesy of Brianna Franklin, NextHome Elite Plus
This content last updated on 10/20/2019 6:10 PM. Some properties which appear for sale on this web site may subsequently have sold or may no longer be available.


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This profile is no longer listed in the FindAPhD
database and may not be available.
About Creative Writing PhD
The PhD in Creative Writing at King's is a practice-led course, incorporating taught elements and aspects of professional development. It is designed to cater for talented, committed writers who are looking to complete a book-length creative work for publication and sustain a long-term career in writing.
Our unique programme offers students:
The course provides a supportive environment in which to enhance your creative writing technique, to explore the depths of your ideas, to sustain your creative motivation, and to prepare you for the demands of the writer's life beyond university.
At King's we know that writing well requires self-discipline and an ability to work productively in isolation; but we also appreciate that postgraduate writers thrive when they are part of a community of fellow authors, an environment of constructive criticism and shared endeavour.
We offer our PhD students the guidance of knowledgeable and experienced practitioners, as well as give them frequent opportunities to interact and collaborate with peers, to forge lasting connections within London's writing industry, to develop their editorial skills and teaching experience.
PhD students are expected to attend the quarterly Thesis Workshop, and also to take an active part in curating literary events at King's, including an annual public lecture by a high-profile author and the "Poetry And..." quarterly reading series.
Course study environment
PhD in Creative Writing students are taught through one-to-one sessions with an appointed supervisor in their chosen specialism (fiction, creative non-fiction, or poetry) as well as through quarterly workshop thesis workshops. They are also appointed a second supervisor whose role is to offer an additional perspective on the work being produced.
After three years (full-time) or six years (part-time), students are expected to submit either:
• a novel or short story collection
• a poetry collection
• a full-length work of creative non-fiction
In addition, they are also required to submit an evaluative essay (15,000 words) that examines their practical approach to the conception, development, and revision of their project, and which explores how their creative work was informed by research (archival, book-based, or experiential).
For information on funding, visit http://www.kcl.ac.uk/study/pg/funding/sources
The core teaching team*on the PhD in Creative Writing includes prize-winning novelists, poets, and creative non-fiction specialists: Ruth Padel, Benjamin Wood, Edmund Gordon, Sarah Howe, Jon Day and Laura Feigel. Visting research fellows, including Andrew O'Hagan, may also contribute to teaching on the course. (*may vary according to research leave and availability)
More information can be found here.
Full-time tuition fees:
£5,300 per year (MPhil/PhD, Creative Writing) UK/EU
Part-time tuition fees:
£2,650 per year (MPhil/PhD, Creative Writing) UK/EU
Current regulations allow some students to pay UK tuition fees on the basis of their EU citizenship or residency. Until these eligibility criteria are changed, the EU tuition fee will remain the same as the UK tuition fee.


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Associations to the word «Babiche»
BABICHE, noun. (North America) Thong(s) of rawhide or sinew used as cord, lacing, or webbing, in the manufacture of snowshoes, braided straps and tumplines, fishing and harpoon lines, knit bags, etc.
Wise words
Every once in a while, you let a word or phrase out and you want to catch it and bring it back. You can't do that. It's gone, gone forever.


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Power and influence in the automotive industry have dramatically shifted from the companies that make and sell vehicles to the consumers who buy them. As a result, automotive suppliers are being forced to change their business strategies.Download this whitepaper now to find out more.
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