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Information seeking behaviors. Each graduate of the Master of Library and Information Science program is able to describe the fundamental concepts of information-seeking behaviors.
Understanding human information needs and different types of information seeking behavior informs librarians' decisions regarding design and delivery of information services. To fully grasp the concept of information seeking behavior, one must consider its three main components: an information need, information seeking, and information behavior. In The Portable MLIS: Insights from the Experts, Donald O. Case defines those as follows:
- "An information need is a recognition that your knowledge is inadequate to satisfy a goal that you have.
- Information seeking is a conscious effort to acquire information in response to a need or gap in your knowledge.
- Information behavior encompasses information seeking as well as the totality of other unintentional or passive behaviors (such as glimpsing or encountering information), as well as purposive behaviors that do not involve seeking, such as actively avoiding information" (Case, 2008, p. 36).
Information seeking is a "natural course of action to reduce uncertainty, fill a knowledge gap, or make sense of one's world," O'Brien and Greyson maintain. "The problem-centered view sees information behavior as a process whereby people encounter situations that prompt them to acquire knowledge or skills, seek specific information, and engage to decision making and sense making as they determine how well the located information meets their needs" (2015, p.120). Information behavior is "the currently preferred term used to describe the many ways in which human beings interact with information, in particular, the ways in which people seek and utilize information," according to Bates. "Information behavior is also the term of art used in library and information science to refer to a sub-discipline that engages in a wide range of types of research conducted in order to understand the human relationship to information" (2010).
Theoretical perspectives on information seeking behaviors
Many theoretical models of information seeking behavior are known in the field of librarianship, information science, and related disciplines; discussed below are those authored by David Ellis (1989), Marcia Bates (1989), Brenda Dervin (1992), and Carol Kuhlthau (1991-1999).
Grounded in the argument that information seeking behavior is dependent upon the unique characteristics of the information need, information seeker, and the respective context, Ellis's model consists of six cognitive stages in the search process: starting, chaining, browsing, differentiating, monitoring, and extracting (1989). The starting stage comprises the activities that occur at the original point of information search, e.g. identifying a pool of sources that are likely to fulfill the information need. During the chaining phase, the information seeker follows the references, footnotes, and citations included in the original sources found during the starting stage. In browsing, the seeker usually groups the related information (s)he had acquired previously, e.g. by looking through subject headings, tables of contents, abstracts, etc. In differentiating, the resulting body of sources gets narrowed down based on the differences in their nature, scope, and quality. Monitoring involves following up on the new developments in the field or discipline, e.g. most recent publications, conference proceedings, etc. Finally, during the extracting phase, the seeker identifies the relevant material in the selected sources.
Information systems design theorist, Bates focuses her berrypicking model of information retrieval on the information seeking behavior in the online environment. The author maintains that "typical search queries are not static, but rather evolve; searchers commonly gather information in bits and pieces instead of in one grand best retrieved set; searchers use a wide variety of search techniques which extend beyond those commonly associated with bibliographic databases; searchers use a wide variety of sources other than bibliographic databases" (1989). The berrypicking model of information retrieval views information seeking as a dynamic, multifaceted process, emphasizing the non-linear nature of the information seeking behavior, in contrast to other, linear models.
In her sense-making approach, Dervin posits that information seeking is accomplished through sense-making, manifested through four basic components: situation, gap, outcome, and bridge. "Sense-making assumes that the essential aspects of information use can be captured by looking at qualities of gap-defining and gap-bridging," Dervin explains. "A person in a moment defines that moment as a particular kind of gap, constructs a particular strategy for facing the moment, and implements that strategy with a particular tactic. Gap-defining and gap-bridging become, therefore, the essential qualitative aspects to be examined" (1992).
Of great importance to the reference librarianship and information literacy instruction in particular, is Kuhlthau's Information Search Process (ISP) model of affective, cognitive and physical aspects in six stages of information seeking and use. Influenced by George Kelly's personal construct theory (Kelly, 1963), Kuhlthau's model is built on the six stages in the information seeking process: initiation, selection, exploration, formulation, collection, and search closure or presentation. According to Kuhlthau, uncertainty and anxiety are integral to the information search process, particularly during the beginning stages, such as initiation, selection, and exploration (1991, 1993). These affective symptoms result from the feeling of vagueness and lack of clarity at the information search onset. "The Uncertainty Principle is expanded by six corollaries: process, formulation, redundancy, mood, prediction and interest," Kuhlthau explains (1999). This element of Kuhlthau's approach is closely related to Belkin's ASK theory—that people do not have queries but rather an anomalous state of knowledge:
- information needs are not in principle precisely specifiable;
- it is possible to elicit problem statements from information system users from which representations of the ASK underlying the need can be derived;
- there are classes of ASKs; and
- all elements of information retrieval systems ought to be based on the user's ASK (Belkin, 1980).
"The whole experience of users affects their information use, their feelings as well as their intellect, particularly in the exploration stage. By neglecting to address affective aspects, information specialists are overlooking one of the main elements driving information use," Kuhlthau maintains (1991, p. 370). In order to alleviate the patrons' uncertainty and anxiety and accommodate library users by facilitating the search for information, Kuhlthau's Information Search Process model requires intensive interactions with patrons, in the user-centered environment.
Awareness of the information seeking behaviors is fundamental to the professional understanding of information services for the diverse library audiences. "Information professionals use their knowledge of information-seeking behaviors to assist individuals who have information needs," Simmons maintains. "Carol Kuhlthau's work on the information search process is especially useful in that it articulates common intellectual and affective stages that seekers of information typically experience, thereby allowing information professionals to intervene with appropriate assistance at each stage, no matter the technology or the medium of service delivery" (2015, p. 131).
To support my skills in this competency, I present the following examples of my work:
- The Adapting the Information Search Process model in today's academic library environment discussion post from LIBR 210 (Reference and Information Services)
- The Next-generation Library Catalogs discussion post from INFO 241 (Automated Library Systems)
- The Ready Reference and Bibliographic Sources assignment from LIBR 210 (Reference and Information Services)
- The Digital Asset Integration into a Learning Content Management System proposal from my professional experience
LIBR 210 Adapting the Information Search Process model in today's academic library environment discussion
The first piece of evidence to demonstrate my mastery of competency J is a discussion post, Adapting the Information Search Process model in today's academic library environment, from LIBR 210 (Reference and Information Services). In this post, I discuss the application of Kuhlthau's Information Search Process model in the contemporary academic library reference services. Calling for intensive interactions with patrons, the Information Search Process model might or might not be feasible in web-based library environments. In my own discussion post, as well as in my reply to a classmate, I reflect on how we might transfer the principles of Kuhlthau's model to a large university setting.
This piece of evidence showcases my understanding of the information seeking behavior theories and the ways in which they apply in the academic library environment.
INFO 241 Next-generation Library Catalogs discussion
The second piece of evidence to demonstrate my mastery of competency J is a Next-generation Library Catalogs discussion post from INFO 241 (Automated Library Systems). In this discussion, I review the next-generation features used in an online catalog of an academic library (University of Southern California Libraries). My analysis reveals the strategies employed by the library in order to meet diverse information needs and accommodate a variety of information seeking behaviors of its primary audience: student, faculty, and visiting scholars. The next-generation library catalog features discussed in the post include better information content (electronic resources, special collections, and digital library); better information discovery (enriched content, federated search, faceted search, relevance filter, and RSS search results feed); and better information delivery (Ebook library, electronic reserves, and interlibrary loan (ILL)).
This assignment shows my understanding of the ways in which libraries can improve their information content, information discovery, and information delivery in order to accommodate the diverse information seeking behaviors and information needs of their users.
LIBR 210 Ready Reference and Bibliographic Sources assignment
The third piece of evidence to demonstrate my mastery of competency J is a Ready Reference and Bibliographic Sources assignment from LIBR 210 (Reference and Information Services). In this assignment, we were tasked with using basic reference tools and searching techniques to answer a wide range of questions, as well as identifying and assessing the characteristics and functions of various types of reference sources. In our final paper, we were allowed to skip one out of twelve questions, and answer the remaining eleven questions.
Each of the answers presented in my paper includes a source that adequately and appropriately fulfills the patron's request and an explanation for how the person should use the resource. I also provide an explanation of my search strategy, the sources consulted, whether they were helpful or not, as well as the source in which I located the answer or the source that I selected as the best one to recommend to the patron. Further, for each of the sources I used in this assignment, I created my own question and answer, which are also included in the paper, and indicated approximate amount of time spent on the question.
While working on this assignment, I learned to work with a variety of reference tools, such as Oxford English Dictionary, Dictionary of American Regional English, A New Dictionary of Eponyms, The Oxford Dictionary of American Usage and Style, Oxford Art Online, Oxford Music Online, Encyclopedia of Religion and Film, The A-Z Encyclopedia of Food Controversies and the Law, The Oxford Dictionary of Literary Terms, Gale Encyclopedia of Multicultural America, and Grzimek's Animal Life Encyclopedia. This assignment demonstrates my reference skills and the ability to use various reference sources and explain my search strategies to library patrons, while thinking critically about their information behaviors and information needs.
The Digital Asset Integration into a Learning Content Management System proposal from my professional experience
The fourth piece of evidence to demonstrate my mastery of competency J is a Digital Asset Integration into a Learning Content Management System proposal I wrote at work, in order to integrate a print resource into an educational website, IWitness. In this proposal, I present several search strategies, based on various information seeking behaviors, with emphasis on searching and browsing. I then develop implementation strategies accommodating these behaviors—aimed at integrating the print resource (a book in a PDF format) into the existing information architecture and facilitating the resource discovery by the website's users via the site's search. In addition, during the implementation phase, I used an innovative e-book technology, in order to produce the individual digital assets of the book (text, images, maps, photographs, etc.) from the PDF version of the book. After the successful implementation of my proposal, the book's resources have been seamlessly integrated into the site's information retrieval and discovery system.
The results of my work demonstrate the practical skills arising from the knowledge of information seeking behaviors I received while in the MLIS program. This piece of evidence shows my understanding of how this knowledge can lead to improved service in digital libraries and online educational environment.
Click here to read the proposal.
Click here to view the implementation results.
"Information behavior research has grown immensely from its scattered beginnings earlier in the twentieth century," Marcia Bates points out. "The further complexity of information seeking through the use of various technologies and genres is coming to be better understood, though there is much more to be studied. In fact, even as I write, some six billion people are interacting with information worldwide, drawing on cognitive and evolutionarily shaped behaviors, on social shaping and environmental expectations, and interacting with every information technology from the book to the wireless handheld "smartphone." There is unimaginably much more to learn about information behavior" (2010). Understanding the information seeking behavior of diverse user groups, the knowledge of current information technologies accommodating diverse information needs, and the ability to anticipate what the future may hold, are, without a doubt, the vital tasks of library and information professionals in the 21st century.
Bates, M. J. (2010) Information behavior. In M. J. Bates and M. N. Maack (Eds.), Encyclopedia of Library and Information Sciences, 3rd Ed. (vol. 3, pp. 2381-2391). New York, NY: CRC Press. Retrieved from https://pages.gseis.ucla.edu/faculty/bates/articles/information-behavior.html
Bates, M. J. (1989). The design of browsing and berrypicking techniques for the online search interface. Online Review, 13(5), 407–424.
Belkin, N. J. (1980). Anomalous states of knowledge as a basis for information retrieval. Canadian Journal of Information Science, 5, 133-143.
Case, D. O. (2008). Information seeking. In K. Haycock, & B. E. Sheldon (Eds.). The portable MLIS: insights from the experts (pp. 35-41). Westport, CT: Libraries Unlimited.
Ellis, D. (1989). A behavioural approach to information retrieval system design. Journal of Documentation, 45(3), 171-212.
Dervin, B. (1992). From the mind's eye of the user: the sense-making qualitative-quantitative methodology. In J. D. Glazier and R. R. Powell (Eds.), Qualitative Research in Information Management (pp. 61-84). Englewood, CO: Libraries Unlimited.
Kelly, G. A. (1963). A theory of personality: The Psychology of Personal Constructs. New York, NY: W. W. Norton.
Kuhlthau, C. (1993) A principle of uncertainty for information seeking. The Journal of Documentation, 49(4), 339-355.
Kuhlthau, C. (1999, February/March). Accommodating the user's information search process: Challenges for information retrieval system designers. Bulletin of the American Society for Information Science, 25(3). Retrieved from http://www.asis.org/Bulletin/Feb-99/kuhlthau.html
Kuhlthau, C. (1991). Inside the search process: Information seeking from the user's perspective. Journal of the American Society for Information Science, 42(5), 361-371.
Kuhlthau, C. C. (1993). Seeking meaning: A process approach to library and information services. Norwood, NJ: Ablex Pub. Corp.
O'Brien, H., & Greyson, D. (2015). Information needs: Understanding and responding to today's information user. In S. Hirsh (Ed.), Information services today: An introduction (pp. 119-129). Lanham: Rowman & Littlefield.
Simmons, M. H. (2015). Finding information: Information intermediation and reference services. In S. Hirsh (Ed.), Information services today: An introduction (pp. 130-138). Lanham: Rowman & Littlefield.


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Lilac Dogtooth Two Piece - Missguided
Top - here
Skirt - here
I must say I have had so many compliments in this two piece. Its very affordable at a beautiful £24.98, £9.99 for the top and £14.99 for the skirt! Its a comfortable, and not tacky, scuba material with spaghetti strap top and elasticated skirt waist. I struggle with things on my waist as I have said previously that can't be tight.
I chose the size 10 in the skirt and its a really comfortable fit, the elastic waist is not tight but does not slip :) I got the size 8 in the top because I liked how tight it was but so comfortable too. However the spaghetti straps dig into me and actually leaves marks, I don't feel them until I take it off. Should have gone with the 10 but I wasn't happy with the fit.
Missguided have this in baby blue and pink. They also have many dogtooth dresses and other two pieces including a lemon set that I adore but I doubt the skirt would fit my figure.
p.s. blogger seems to be ehancing or desaturating my images? any ideas anyone?
Tilly, Craving Clothes xoxo


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This site is entirely user-supported. See how you can help.
Street View is the best available vantage point looking, if possible, towards the location of the building. In some locations, Street View may not give a view of the actual building, or may not be available at all. Where it is not available, the satellite view is shown instead.
Latitude: 51.7788 / 51°46'43"N
Longitude: -1.5034 / 1°30'12"W
OS Eastings: 434358
OS Northings: 209020
OS Grid: SP343090
Mapcode National: GBR 6VR.JQ6
Mapcode Global: VHC01.WKL7
Entry Name: Burwell Farmhouse
Listing Date: 7 January 1974
Last Amended: 17 October 1988
Grade: II
Source: Historic England
Source ID: 1048996
English Heritage Legacy ID: 252146
Location: Witney, West Oxfordshire, Oxfordshire, OX28
County: Oxfordshire
District: West Oxfordshire
Civil Parish: Witney
Built-Up Area: Witney
Traditional County: Oxfordshire
Lieutenancy Area (Ceremonial County): Oxfordshire
Church of England Parish: Witney
Church of England Diocese: Oxford
SP30NW (East side)
6/72 No.319 (Burwell Farmhouse)
07/01/74 (Formerly listed as Burwell
Farmhouse, now house. Late C17, refronted c.1800; early C17 wing to right.
Coursed limestone rubble with ashlar dressings and roll-moulded quoins; gabled
concrete tile roof; symmetrical end stacks, of limestone ashlar finished in late
C19 brick. Central-staircase plan. 2 storeys and attic; symmetrical 5-window
range. Bracketed flat stone hood over early C19 six-panelled door set in beaded
stone architrave. 6-pane sashes set in plain ashlar surrounds. Ashlar storey
band and cyma-moulded cornice; 2 gabled roof dormers. 6-pane sashes to rear, and
outshut to rear right. Early C17 wing to right, re-roofed in early C19;
2-storey, 4-window range to right side with 3-light chamfered and ovolo-moulded
stone-mullioned windows; plank door in central mid C19 outshut; similar
mullioned windows to rear, and early C19 sash to front; stone slate roof, hipped
c.1800, interior: front range has remodelled dog-leg stairs; room to right has
ovolo- and cyma-moulded beam and open fireplace with chamfered bressumer; 3-bay
butt-purlin roof. Range to right has deeply-chamfered beams; roof not inspected.
Stone-flag floors throughout.
Listing NGR: SP3435809020
This text is from the original listing, and may not necessarily reflect the current setting of the building.
Other nearby listed buildings


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is there any way to stop yourself dreaming/nightmaring about a certain thing?
no medication or owt, but like mind training?
- Jordan_229_2 this'd this
.....go to sleep.
Although what I wrote is also true.
no analogues to it IRL?
i had an incredibly fucked up dream last night. it was really quite something.
when i was 12 my i saw my best friend (at the time of course) get killed by being run over
i seem to have flashback nightmares to it in times when i'm stressed/particularly on edge.
have you ever done any counselling about it? can't really speak to that kind of traumatic experience but there are ways to lessen the emotional charge off of something like that. ohgood's advice seems a sound a pragmatic approach too.chris-budget this'd this
Yeah fucking hell man that's pretty grim
Counselling seems the sensible thing x
fuck. I feel really bad about my flippant remark now. Sorry Jordan.
Agree that counselling has got to be worth a shot.
I think so
You basically need to train yourself to recognise you're dreaming when the thing in question appears. And then when you realise you're dreaming you'll wake up.
You can do this by asking yourself "am I dreaming" whenever you think about the thing when you're awake.
Basically that.
- thewarn this'd this
Go through a really, really horrific experience,
then you'll prob have nightmares about that instead.
Intense Psychotherapy.
I'm here to help you, but I'm not good at Psychotherapy.


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I created this to act as a vehicle for random chats with myself. Feel free to listen in on the chaos.
Thursday, May 25, 2006
Currently I am helping 3 others to realize their own fabric wonderland of their own. A is making a GIGANTIC spoked round. R is making a far smaller spoked round. H made a bedhoin (by far the most sane project of the bunch since he finished it in one day).
In the last week I will have made 3 shade flys. One for a friend, one for my apprentice and one for me.
This shade fly is for K who will use it attached to her trailer or also free standing. I delievered it along with a stake bag and helped her get her ropes and rope slides in order last night. She will probably do a trial run in her back yard this weekend.
The other shade fly is for M to go on the front of her new wedge. The finished effect will be similar to this image, but not as big.
The third shade fly is for me to run between two wedge tents.
I have loaner tents. It's a thing. This is M's new wedge tent and my two are the same (cause I made all three).
The plan is to set up the two wedge tents with the doors facing each other and running the shade between the two uprights. The back will be staked close to the ground using ropes and the front will be lifted up with 3, 6' poles so people can easily come in and out. I have not done this before and it looks good on paper. I don't know what to expect when it comes to the actual set up. Friday may be interesting...
2 comments:
- Teej said...
Oooh.. so.. we've been toying with trying to figure out a shade fly for our double bell wedge.. Nothing fancy, just a rectangle as wide as the uprights with a couple poles and stakes at the front edge.
We use a ridge pole and just got new "swing set" poles from dad to try out this weekend. One of my concerns with running a shade fly off the ridge pole is that it will pull the tent toward the front, putting more tension on the back stakes. Any idea if that's really something to be concerned with?
- Liz said...
Actually it is something to be concerned with and I have seen a bell wedge collapse forward when the rear stakes pulled up in a heavy rain. To counter this you could run guy lines off the peak towards the back to help ease the strain on the stakes, or you can drop the fly during a storm, which you might want to do anyway since it can turn into a sail.


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Quick Unsecured Loans- Free Interrelated Facts For LoansPosted by: | Comments
I am sure your quest for quick unsecured loans has come to an end as you read this article. Yes, gone are those days when we have to search endlessly for quick unsecured loans information or other such information like quick cash payday loans, bankruptcy student loans, business lines of credit or even a person to person bad credit auto loan. Even without articles such as this, with the Internet all you have to do is log on and use any of the search engines to find the quick unsecured loans information you need.
A bad credit score used to make it impossible for individuals and families to borrow money for home and car financing. Today, there are several companies which not only give individuals with bad credit unsecured debt but actually cater to people who have extremely low credit scores.
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As stated at the beginning of this article, unsecured debts are sometimes the only choice some people have in order to get finance. Tenants and Non-homeowners can't offer an asset as collateral and thus, have no other choice but to apply for an unsecured credit.
You should not forget that you are only a step away from getting more information about quick unsecured loans or such related information by searching the search engines online. Google alone can give you more than enough results when you search for quick unsecured loans.
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In a nutshell, unsecured debt consolidation credits are personal credits that do not entail collateral. Prior to a lending institution such as a bank or credit union approving a credit request, the applicant must submit some sort of collateral. Typical collateral includes a vehicle title. Hence, if the credit is not paid, the lender may claim the applicant's property.
Self employed credits can be raised for any amounts ranging from 3000 to 250,000. This amount might be slightly lower in the case of an unsecured credit but normally if the credit history and the income figures are good, any amount can be raised. The change in the perception towards unsecured debt for self employed individuals can be also attributed to advances in technology and better under writing. Sometime ago, it was not possible to find any records and an absence of credit history amounted to a bad credit history. Now since these records are shared online, all credit transactions are open to scrutiny. If the borrower gets a good reference, it becomes that much easy to find a credit at a much better interest rate.
We were thrilled to know that many people found this article about quick unsecured loans and other bad credit home equity loans, unsecured loan rate, and even quick business loans helpful and information rich.
Real Estate Professionals
Unemployed Unsecured Loan-solving your WorriesPosted by: | Comments
Unemployment can be very frustrating especially when there are certain pending bills that you are not able to pay because you don't have any job. Unemployed unsecured loans are meant to provide financial assistance to help you meet all your basic needs. You can avail unemployed unsecured loans to pay off your bills. Unemployed unsecured loans can be availed without placing any security against the loan amount.
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Unemployed unsecured loans are hassle free loans. It is the perfect solution for your short term financial needs. You don't need to place any security against the loan amount. As there is no collateral involved this kind of loan requires minimum paper work. So if you need money urgently you can apply for unemployed unsecured loans. As these loans are available online you don't need to meet your lender in person. Online availability makes the process least time consuming. Unemployed unsecured loans can be availed by both good credit holders and bad credit holders. So even if you have bad credit score you can apply for unemployed unsecured loans.
Borrower may get confused as to which lender to opt for because there are many banks, financial institutions and lending firms that offer unemployed unsecured loans. You can use internet to search for lenders that offer unemployed unsecured loans at reasonable interest rate. Also you can apply online to avail unemployed unsecured loans, for this you just need to fill up an online application for. You need to mention certain details in the form like your credit history, type of loan you want to avail, contact details etc. Lenders will then get back to you within few hours with their offers.
With unemployed unsecured loans, unemployed people can also avail money in order to meet their day to day requirements.
Real Estate Professionals
Fast Unsecured Loans Uk- a Boon for TenantsPosted by: | Comments
Fast unsecured loans UK can be availed to meet all the urgent cash requirements because it is approved easily and within no time. As the name suggests fast unsecured loans UK are unsecured in nature and can be availed without placing any collateral.
Fast unsecured loans UK is specially designed for people who don't have any property to place as collateral. It can be availed by tenants, paying guests and also homeowners who don't want to risk a property to avail a loan. Fast unsecured loan UK is unsecured in nature. You don't need to place any collateral against the loan amount in order to avail fast unsecured loans UK. Fast unsecured loans are approved within very short period of time. You can use it to meet all your urgent needs. With fast unsecured loans UK you can avail an amount ranging from ₤1,000 to £25,000 with repayment duration that ranges from 1 – 10 years. The loan amount depends upon the credit status and repayment ability of the borrower. Being unsecured in nature fast unsecured loans UK carry slightly higher rate of interest, but with good research you can avail fast unsecured loans at competitive interest rate. Fast unsecured loans UK are open to both good credit borrowers and bad credit borrowers.
There are certain prerequisites for availing fast unsecured loans UK. Enders checks your repayment ability before advancing loan to you. For this you will have to show your job proof. Also you will have to show your income proof that can be your last pay cheque or salary slip. Also you must be 18 years of age or above in order to be eligible to avail fast unsecured loans.
Fast unsecured loans UK are very helpful for people who are in need of urgent cash because it is approved within very short period of time. The loan amount is actually transferred to your account within 24hrs of approval. Also it is risk free loan because you don't have to place any property as collateral in order to avail it. Fast unsecured loans UK can also be availed by people suffering for bad credit status due to arrears, defaults, CCJ, IVA, bankruptcy, late payments etc. you can increase your credit score by paying the loan installments regularly and on due time. Fast unsecured loans UK are also available online. Online availabity ensures even faster transaction. Also it requires less paperwork and is hassle free compared to the traditional method. Fast unsecured loans UK is the perfect solution for all your urgent cash needs.
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Online Unsecured Loans: Loans Within SecondsPosted by: | Comments
If you are in urgent need of money to pay back the debts you have taken previously and you are not getting money from any where then you can opt for loans. There are two types of loans secured and unsecured. Secured loans are those in which you have to place something as security with the lender. In case on unsecured loans you are not supposed to fix you property with the lender.
An unsecured loan comes with a high rate of interest, and has difficult terms and conditions set by the lender. To reduce the loan cost, one has the option of an online unsecured loan. An online unsecured loan can be taken for any purpose, like home rebuilding, wedding requirements, purchasing a car, vacation tours, or clearing smaller loans.
A simple form which requires loan amount, purpose, repayment time, and some personal information, can entitle you to an online unsecured loan. With online facility, the loan approval can be quicker from the lender's side. Online unsecured loans do not require any security from the borrower; hence the lender has to charge a higher rate of interest. When compared to other unsecured loans, the rate of an online unsecured loan remains lower. The loan amount ranges between £5000 and £25000 for 5 to 15 years.
Online Unsecured Loans: points to remember
While making online application it is important that you should fill correct information about your financial status, loan amount, its purpose, repayment duration and your current debts which you would have taken. The only basis of an unsecured loan is the bank statements, income and employment documents provided by the borrower proving the repayment capacity. A good credit score provides for quicker loan approval, but bad credit history people can also avail online unsecured loans with a good repayment plan. Everybody can apply for an online unsecured loan irrespective of their past loan repayment history including late payments, arrears, payment defaults, or county court judgments' against the borrower.
There are a lot of online lenders for online unsecured loans on the internet. A comparison of lenders would give the borrower a very good rate of interest for an online unsecured loan. The comparison is an important step for bad credit borrowers also.
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Unsecured Loans- Money Without SecurityPosted by: | Comments
Unsecured Loans do not require you to pledge any of our assets as security against the loan procured. Tenants, self-employed, students, non-homeowners, and those living with parents are the ones who normally go for unsecured loans. However, those who own a home but do not wish to risk it also apply for these loans.
The risk associated with the unsecured loan deal for the lender is generally higher than that with secured loan. So, unsecured loans are available at comparatively higher APRs. But these loans are a safer and easy option for the borrower. Unsecured loans get processed fast because of the legal formalities concerning to the property evaluation.
Cited below are the different kinds of unsecured loans:
Unsecured debt consolidation loans: This loan is ideal for those who do not have any property to back up but are tired of managing their multiple debts. This loan can pay off their running debt and covert them into a single monthly payment.Unsecured Debt consolidation loans carry a high interest rate.
Unsecured home improvement loans: Unsecured loans that are availed for home improvements like renovating the kitchen, designing the garden, home expansion, landscaping etc and do not require any security to back up are called unsecured home improvement loans.
Unsecured holiday loans: Planning to go for a holiday but do not have the required money? Avail unsecured holiday loan to plan the holiday for the lifetime. Though unsecured loans come with high interest rates, with increased competition in the loan market, one can always look for a competitive loan deal.
Unsecured business loans: These are best for those who need to fund commercial needs, start a new business or expand the existing one. Unsecured business loans are generally taken to fund small monetary needs like buying machinery, paying suppliers and others.
Apart from these, there can be other online unsecured loans as well. The greatest advantage of unsecured loans is that they give mental peace to the borrowers since no property is at risk.
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Mehbooba Mufti's proximity with separatists exposed, says BJP
Union Minister of Minority Affairs Mukhtar Abbas Naqvi said Mufti with her statement was "trying to give oxygen to terrorists"
Former Jammu and Kashmir Chief Minister Mehbooba Mufti has exposed her proximity with separatists by warning that if her Peoples Democratic Party (PDP) was split it would create more militants in the state.
Union Minister of Minority Affairs Mukhtar Abbas Naqvi said Mufti with her statement was "trying to give oxygen to terrorists".
"Knowing or unknowingly she has only exposed her proximity to separatists," the BJP leader said.
At a press conference in Srinagar, the PDP chief said if the central government split her party to form a new government in the state, it would create more Salahuddins and Yasin Maliks -- who were first to take arms after the 1987 elections were allegedly rigged.
Salahuddin, whose real name in Yousuf Shah, contested the election and Malik was his polling agent. However, it was alleged that the polls were rigged in favour of the National Conference-Congress coalition. Shah ended up heading the Hizbul Mujahideen militant group and Malik launched Jammu and Kashmir Liberation Front
Reacting to Mufti's statement, BJP's central committee member G.V.L. Narasimha Rao said Mufti's remarks were "very bizarre".
Mufti, he said, "seems under tremendous pressure from her own party.
"Is she now equating her party with Hizbul Mujahiddin," he asked.
Former Jammu and Kashmir Deputy Chief Minister and senior state BJP leader Kavinder Gupta said: "It is very unfortunate that she (Mufti) was ruling the state only a few days back as Chief Minister and now she threatens of a terror uprising."
Catch up on all the latest Crime, National, International and Hatke news here. Also download the new mid-day Android and iOS apps to get latest updates
Party to take forward Mufti's vision: Mehbooba on BJP-PDP alliance


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- 284 Visitors


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Tuesday, January 27, 2009
Snow Shock.
Wow. ok. Well, then. It's snowing again so I guess that whole "we never see snow in the northwest" is crap. I have honestly never seen this much snow in a single season my entire life. Wow.
I did finally get some pictures of my dress! I used a pattern I bought at Fabric Depot for $2.50 and this super great strawberry fabric that was on sale so all in all it was a pretty good deal for a dress. With a cardigan and tights it's totally wearable now and it will be perfect as-is in the summer.
More to share on the work front too, I'm starting a temp position at the American Cancer Society this week and I'll continue to look for something more permanent. Ideally I'd like something with more responsibility than my previous position and some more pay too. With all the lay-offs I'm a little nervous about how picky I can be but time will tell. Hopefully this blog will soon go back to just talking about crafts and we'll all be able to forget about my job issues. Keep your fingers crossed!
1 comment:
- allison said...
That dress would look great with a red belt!
And I agree about the snow- - it's crazy , but at least my classes were cancelled this morning haha
- January 27, 2009 at 10:58 AM
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This digital layout was created using photoshop elements and a paper kit from The Sweet Shoppe. This is a great picture of Eric and my Mom, taken at his wedding this summer.
Karma... Be the salt of the earth.....
3 years ago
She is a very pretty lady...love her outfit! That layout is very nice.
I like this as much as any you have made so far :-)
Very nice!
Oh Michelle,that is such a pretty lo! Great memories!!!!


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PATSY WILLIAMS - Competing in the 15-19 girls' age bracket recently in the Road Runners Club of America Women's Distance Festival 5K run in Newport News, the Gloucester County resident placed fifth. The 19-year-old was timed in 31:37 over the 3.1-mile course.
PAM BOWSER - The Hayes resident recently placed fourth in her age bracket in the Road Runners of Club of America 5K run held in Newport News. She competed in the 30-34 age group, finishing with a time of 24:14 over the 3.1-mile course.


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Clipped From The Chillicothe Constitution-Tribune
, TRUSTEE'S HAI>E. WHEREAS, S. F: Boley and Martha Bos Icy, his wife, by their cartaiu deed of trust dated the 13th. day of November. KSSS, and re corded in the office of the Hec»rder of Deed within and for the county of Livingston and State of Missouri, on the 31st day of December, 1SSO, in book 23, at page 561, con- veyea to the undersigned trustee the following described real estate towit: The southeast quarter of the northeast quarier of section No. five [5], township No. (Hty-six [5GJ, and range No. twenty-two p2|. containing forty acres, more or less, which said conveyance was made to secure the payment of certain promissory, notes therein described. and whereas said notes are past due and unpaid, according to the tenor and conditions coo talned id safd deed. Now, therefore at the request of .the legal holder of said notes and by virt.ue of the provisions of said di:ed of trust, I will on


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Ryan Cabrera
Elm St. (2001)
Take It All Away (2004)
You Stand Watching (2005)
The Moon Under Water (2008)
Ryan Frank Cabrera (born July 18, 1982) is an American singer-songwriter and musician.
Cabrera began as a lead singer for the Dallas band Rubix Groove before pursuing his solo career. Following the 2001 release of independent album Elm St., he released his first major-label album, Take It All Away, on August 17, 2004. Earlier in the year, Cabrera had become known for his up-tempo pop-rock single "On the Way Down". "On the Way Down" was then followed by Cabrera's second single, "True"; and his third single "40 Kinds of Sadness".


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Remember a couple of posts down about the passage of time & Anne's prom? Well, I had a momentary flash of...clues...& figured out to post pics again. Stevie Wonder sang it best: "isn't she lovely? Isn't she wonderful?"
And who's the guy messing up my pics of my daughter for cryin' out loud? *huge grin*


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Here she is making a bowl for Gram's birthday present:
Her first real corn on the cob experience. She was pretty thrilled by it.
We took her to a Storytime at a local bookstore. It was for Biscuit. I don't know what I was expecting, but I got a pretty big kick out of the lady in a huge Biscuit costume who couldn't see where she was going at all.
This is the reaction I was hoping to get out of her in regards to Biscuit. But no, here she is with her back to the stage, oohing and ahhing to a little boy in a stroller.
Here she is holding her car line sign with her name and her teacher's last name on it. We did car line pickup last year after spring break (when all the kids in the class had made it to 2 years old) and she did great with that. But this year (after the first few weeks of school) she could do both drop off and pick up in the car line. I was a little nervous about how she'd do with the drop off part, since I had always walked her into her class. We talked about it for the week leading up. I told her how another teacher (not her own) would get her out of our car, they'd help her walk to the courtyard, where she'd meet Miss Kitty and then go into the building and find her class. And after explaining all that it made me think she might get overwhelmed by it all. Of course, she did great. No problems. Greeted the teacher that got her out of the car and went on her way. I had to drive away so I couldn't watch her walk in, but oh, how I wanted to!
Summer - You say "stumblelick" as a sort of "oh darn" kind of phrase. If something doesn't go right you say, "Stumblelick!"
"I won the contest!" "I'm going to win the contest!"
September 9
I just told Autumn, "Being silly is fine, but please don't lick the couch."
September 20
Gings and gongs and bings and bongs. I've finally determined that "Gings and Gongs" are Autumn's imaginary friends. They seemed to be just made up words when she wasn't sure what else to say, but it has slowly progressed into actual beings. Just now she came out of her room after two minutes of trying to take a nap and said, "Gings and Gongs woke me up." And then she pretended to hold each of their hands while walking down the stairs (when she realized she needed a free hand to hold onto the rail she decided to roll them down the stairs).
September 22
I asked Autumn what woke her up at 6:26 this morning. She said, "Cuz Gings and Gongs wanted me to come down and see you! And the little one woked me up!" Gings and Gongs were pulling her into the other room while I was trying to get her to come to me to do her hair this morning. She used her thumb and finger to show me how small the little one was (about an inch), but she didn't say which one of the two it was. Bings and Bongs used to be used as much as Gings and Gongs, but B&B have fallen to the wayside lately. Oh, and get this: She came home with an "All Ears Award" for listening during story time. I guess she left G&G home so they wouldn't distract her.
First morning dropoff in the car line was successful! She waved bye to me no problem. I wish there was a place I could park to watch her go in, but gotta keep moving!
September 30
Autumn is quite excited to go to "Barnes and Oval" for a Curious George story time!
September 2010 - God our Father, once again, we ask your blessing, Amen. from Deb on Vimeo.
September 2008
September 2009


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If you reclaim back your expenditure Taxes you may want to setup tax.
In order to add Taxes functionality to your account, please follow the steps below.
1. Navigate to the left-side menu and choose Configuration > Other. At the other tab check a Tax check box. Once done, press Save button.
2. On the configuration page, you will have a new tab called Taxes. There you can create and set up all taxes by pressing Add Tax button.
There you can create and set up all taxes by pressing Add Tax button.
We allow for as many Taxes to be created as required.
3. The user can also edit taxes at the Purchase Order creation or editing page: tax can be added and edited straight in the Purchase Order creation form.
Please note, that the tax rate in the Bill will be copied from the Purchase order.


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A recent howl from Michigan by friend John Wolf. It speaks for itself:
Hi Rick,
I realized 3 weeks ago that my nephew's 7th birthday is the end of this month. I also drew a complete blank on what to send him. Luckily, my brother left me a message a couple of days later saying that he had finished refurbishing the ground floor apartment in their house (hurricane Katrina was not kind to it) and Louie had been his helper. I thought, "That boy needs a saw! and probably a drill! And something to keep them in!". So I rummaged through my surplus tool supplies, and found a small crosscut saw that had been sharpened away considerably, and cut it down to about 14″ (shaped to the London pattern, which I like for no particular reason). I made a small handle of cherry for it, and it turned out to be a pretty nice saw that could be of use to him even as an adult. Then I cleaned up and repaired what turns out to be a pretty good egg beater drill, and a brace from a long ago boys toolbox, small but useable. I provided a good selection of bits for both. Found I had a block plane that was useable, but really made for a "toy" toolbox, and blunted the iron – he's only 7, after all. There are some other odds and ends too.
I had some 1x8s that had knot free sections long enough to make a 10 x 22 x 8 chest, roughly 1/8 the size of my carpenter's chest, then made a sliding till with drawers, on the theory that kids like to poke around in drawers. I had hoped to mount the saw under the lid, but the till is just a hair too wide for that, so it mounts to the inside front and a square that belonged to Grandpa Wolf is on the lid. I left appropriate notes with explanations and instructions inside, and packed it tight inside with Big Little Books that had belonged to my brother, which will leave the two of them to argue over their ownership. Then I sent it off to New Orleans.
A lot of the motivation was the pleasure of making it. In a few years, that kind of gift will fall pretty flat, and I'll fall back on gift cards. But more important to me is the wish that he grow up with the feel of tools in his hands, and if it's not the rich, powerful experience that I feel, it will at least feel normal and a matter of course. I'd also like him to grow up with the thought in his head that people do and make things. If he goes beyond that to try to add some grace and beauty to the world, so much the better. It will be interesting to see what catches his fancy and who he becomes.
Wish I could go to your riving and hurdle making class, that would be very interesting.
We'd love to see a picture of Louie and the tool box, John.
And thanks for the segue…
(just don't tell Gurney's and Copeland's)
How about some green woodworking with Peter Follansbee this Columbus Day weekend?
Plymouth CRAFT has several openings left in a 2-day workshop all about riving green wood and learning the steps along the way to turn trees into hurdles-
Wood theory will lead to riving which will lead to hatchet and drawknife work and assembly of mortises and tenons. Registration includes 2 days of the best lunches you'll ever eat made by the renowned Paula Marcoux as well as an expert tour of the Harlow Old Fort House (which happens to full of interesting original artifacts made using the techniques under study in this workshop).
Get thee to Plymouth CRAFT posthaste to secure your spot: www.plymouth.org


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Sunday, February 28, 2010So I'm watching "Desperately Seeking Susan" this morning* and it's so funny to see how these actors have evolved and changed in the 25 (!!!!) years since this movie was released.
For instance:
Rosana Arquette - went on to have a sex change and marry Courtney Cox
Aidan Quinn - ... well, he just pretty much stayed hot
The guy who played Madonna's boyfriend, who wasn't nearly as hot as Aidan Quinn and I was always like "why is she with him when Aidan Quinn is around? Does she need corrective lenses?" - went on to clean himself up and become the coroner guy on "CSI: NY"
Madonna -... went on to become British
I remember when this movie came out, either VH1 or Mtv was selling those horrible pyramid jackets for $49.95 and I would have killed for one, but I was 11 and $50 might as well have been a trillion dollars.
And isn't it funny how so many of the wacky mis-communications in old(er) movies could have been cleared up instantly if they'd had cell phones or Twitters... or common sense.
Can you imagine if they redid this movie now? They'd take out ads on Craigslist and Madonna would probably want to play herself, so they'd have to change the name of the movie to "Desperately Seeking Skeletor"
*Because there's never anything on on Sunday mornings, I'm assuming it's Comcast's way of encouraging us Godless heathens to go to church instead of nursing coffee and nomming leftover cinnamon rolls
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Project Bag
Project Bag
This project basket is sewn of cotton coil with a long handle for easy carrying. It also features a soft cotton bag top with drawstring cinch closure to keep your WIPs nice and safe.
It is lovely to hang on the wall next to your favorite knitting spot for safe keeping. It is sturdy, yet soft.
Each basket may differ slightly from those pictured, but all feature a natural color bottom and may come in a different color thread for the top 1" of the basket (very subtle - colors may include green, grey, red, black, etc).
Approximate size: 8" wide x 5" deep (9-10" deep from top of cinch bag) & the handle is approximately 25" long.


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Abe: My mom was always the coolest mom at all the school events. She was involved, and all of my friends loved her. She is also very generous and has a happy, friendly disposition. She has carried on the tradition of her father by taking people into her home when they need it. Just recently I had some friends who needed a place to stay while they were in Orlando, and they stayed with my parents while they were visiting. It would have been enough for them to offer a place to stay, but mom (and dad) went the extra mile to make them feel comfortable and welcome. This has been a regular occurrence since I can remember, and especially since they moved to Florida!
I always remember my mom being involved at the school and in the community. To this day, she holds a leadership position in the HOA and works as a crossing guard at the junior high. All this, while being the Stake Relief Society President. Most of these are things which I have observed her doing for others, which has had an effect on my own life. She has also dedicated countless hours to helping me and my family. She has always been encouraging and supportive. Her work is never done. Thanks for living a life of service, Mom!! I love you!
I always remember my mom being involved at the school and in the community. To this day, she holds a leadership position in the HOA and works as a crossing guard at the junior high. All this, while being the Stake Relief Society President. Most of these are things which I have observed her doing for others, which has had an effect on my own life. She has also dedicated countless hours to helping me and my family. She has always been encouraging and supportive. Her work is never done. Thanks for living a life of service, Mom!! I love you!
Jackson: "Grandmommy gives us wonderful stuff like our basketball hoop, and she makes sure we're ok. She's very active, and she takes us to wonderful places like the movies. She takes the time to buy us gifts. She's very sweet. She teaches us about places and animals in Florida, and she's willing to sacrifice anything. She looks younger than she is, and she does missionary work. She does nice stuff for people even if she's tired. She's very beautiful. I love Grandmommy sooooo much!!"
Tyson: "Grandmommy is very kind. She lets us watch movies. She takes good care of us when we visit her. She does a good job securing the neighborhood and at the school where she's the crossing guard. She makes yummy pie. I like it when she takes us to the park. I like it when she helps me with my school work when I come there. I love her soooo much!!"
Jordan: "Grandmommy is always preparing for when we come, and she's always fun with us. She takes us to the park a lot. She helps us when we're trying to do something and it isn't working. I like when she always gives us stuff like shoes. I like when we visit her because she's very nice. When we go to this swimming pool, she always tells us about the ducks swimming in the pool when the pool is closed off. She always tells us about alligators. I love Grandmommy!!!"
Mariah: "Grandmommy lets us watch movies. I like it when she laughs because it's a beautiful laugh. I love her because she hugs us, and because she's beautiful. I like her because she takes good care of us, and she never stops watching us. She's nice to us. I love you sooooooooo much Grandmommy!"
Juliana: "Grandmommy is with Grandaddy. She loves Jesus. Grandmommy takes me to the park. I like her painted fingernails. I love Grandmommy!!"
Jayden: Jayden loves to hang with Grandmommy!! They became fast buddies when she started slipping him treats. He loves her big hugs.
Jayden: Jayden loves to hang with Grandmommy!! They became fast buddies when she started slipping him treats. He loves her big hugs.
My Turn: My mom/mother-in-law is very, very special to my heart. Something that shines forth in my mind is the support that she endlessly gives to our family. Anytime we are in need, she is ready to help without any questions asked. Actually, her heart and mind are open to see all those who are in need who are not even part of our family. She watches people, feels their need, and then sacrifices her time and money to make them feel more comfortable. Our family lived with my in-laws for 5 months… we left behind broken furniture and dirty walls from little handprints. She never once grumbled about us disrupting their calm lifestyle.
I believe she has been at every single birthday of every member of our family this past year… even before we lived with them for a season!! They make special efforts to attend baptisms, priesthood ordinations, and our children's musical, theatrical, and sporting events.
Most daughter-in-laws wonder what type of mother-in-law they will have. When I first met her, I felt immediate acceptance. She wrapped her arm around me and laughed her beautiful, hearty laugh to let me know I was a part of the family. As we prepared for our wedding, she took me around to florists and cake decorators. I had no clue about how to prepare for a wedding! I was just winging it, but I remember being in awe that she had arranged so many meetings with all the right people to make our wedding special. She never told me what to do… she just provided the options and the means and let me decide how to make our wedding extra special… much more than it would have been on my own.
Funny Story: One day we were sitting around a table with a Hispanic family. A man was telling a story in Spanish. It was a VERY funny story. We all started laughing… my mother-in-law started to laugh too!! In fact, she laughed harder than any of us!! I remember my father-in-law and I turned to look at her. Knowing she didn't speak Spanish, we asked her, "Did you understand what he was saying?" Still laughing she said, "No!!! …but I could tell it was really funny!!" I ALWAYS loved that story because when I was learning Spanish I used to feel sad that I couldn't understand the funny stories being told. She didn't feel sad… she let the Spirit fill her soul with joy, and she laughed her hearty laugh anyway.
Funny/Loving Story: Last fall I often fought feelings of hopelessness because of our seemingly helpless financial situation. I told Abe I was leaving for a while to go on a drive. I wasn't running away. It was late at night, but I just needed some time alone to think and get my mind straight. Well… after about an hour and a half of my quiet time in my van crying and praying, a hand slapped hard against my windshield. I looked over and my mother-in-law was standing outside my van!!! She was laughing hysterically. Confused as to why she was laughing so hard and how she ended up outside my window, I'm sure I looked at her with a strange expression on my face. She climbed into my van and said, "I'm sorry for laughing, but I just knew I'd find you here!! It was the first place I looked!" I couldn't believe she had gone looking for me! (I was in the Walmart parking lot… lol! Where else would I go, right?) She was worried about my safety being out too late at night and wanted to tell me how much she loved me. I had been worried that they would judge me for taking a moment alone; but on the contrary, she wanted to give me more love and show understanding.
After my in-laws' mission to Sri Lanka, they went to find a house in Florida. They had only been there for 2 weeks when the Bishop called her to be the Relief Society President over the ward!! They didn't even buy a house yet!! He could immediately see that she was a woman of great testimony, love, and service.
Yep!! She's a pretty special lady!! Happy Mother's Day Mom!!!
My in-laws came all the way from Florida to Michigan to watch the kids in their theatrical performances.
My in-laws attend as many of our children's sporting events as they can.
My mother-in-law is always ready for a party!!! She is a GREAT dancer!! :-) This is at the "Blue Man Group" show with them last year. What a party! :-)
She's our Crossing guard champion!! She has a separate uniform she wears to patrol the neighborhood in a security car. :-)
She's always ready to visit the sick and needy. Even when we lived with her we were not aware of all the visits and donations she made to those who were in need until much, much later.
They make every birthday and every occasion so special!! We all love her dearly.


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- CDI, Plein-temps
- Randstad Singapore Pte Ltd
- 19 juil. 18
Head of Business Management & Strategy (Corporate Banking)
- Singapour, Singapore
- Negotiable
- Plein-temps
Seeking a Head of Business Management and Strategy for the Corporate Banking Business.
about the company
Our client is an international wholesale bank with a strong network among the local and MNC corporates business. Along with its wide range of product suite and a competitive edge in putting clients' needs first, the bank is growing and looking for excellent individuals to make a difference together in its front office corporate banking team.
about the job
- Tasked to deliver the overall bank's strategy and objectives to the assigned business unit.
- Strive to drive Risk-Weighted Asset improvements and to optimise the pricing level of the bank's product offerings.
- Assist to manage the overall portfolio performance, including being involved with the structuring of transactions.
- Sharing of best practises across the local, regional and international teams globally.
- Overall business risk management and deriving mitigating solutions to ensure all risk are managed effectively.
- Reviewing existing processes and implementing new framework to drive changes in the organisation.
- Any other duties/projects assigned.
about the manager / team
Part of a dynamic environment under a good leadership team, this role reports in to the Head of Business Management team.
skills & experience required
- Degree in Finance, Accountancy, Business Management, Economics or comparable
- Has minimum 7+ years of related experience in a corporate / commercial banking environment
- Proficient in MS Office, such as MS Excel, PowerPoint and Word
- Strong interpersonal skills to deal with multiple stakeholders
To apply online, please click on the appropriate link. Alternatively please contact Adeline Lim on 6517 1629 for a confidential discussion


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Good afternoon :)
I must say what a good mood I have been in lately?!?!?! maybe its the christmas spirit finally taking over me?!?!?! I don't really mind what it is as its a good thing.
Im just here today with a couple of christmas pages for you to see.... one that I did off my own back and the other for one of shimelles prompts.
This is my own creation, I started making this at crop on Saturday and finished it off yesterday by adding the 3d baubles, which Im not sure if you can see but they are fully outlined in black stickles, god I hate waiting for that stuff to dry!!! but I think its worth it?!?!?!
never thought that I would use this particular paper for a christmas page but here it is, I think it works well.
the second page is a little different:
This was for shimelles prompt about...you guessed it christmas cards!!!
I NEVER send christmas cards, and inside the envelope is a note that explains why. not cause I'm scrooge, more like I'm very forgetful lol.
I don't have a photo to explain this so the envelope is in place of it.
see you later xxxxx


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Gallery: Viewers share their back-to-school pictures & videos
It's back to school time! And we want to see your back to school photos & videos.
Click here to upload your pictures. They can be the latest pictures of your kids going to school on the first day, or an "old school" picture of you or your family members from years past. We'd love to see them all.
Just go here to upload your photos & videos. It's quick & easy!
Check out what other viewers have shared here including some vintage pics of the CBS 12 news team.


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got this PM from "seung" these scammers need to come up with a new routine. I am sure most everyone here can tell when there is a fraudulent attempt to purchase your item, if not, here is a copy and paste that was sent to me from user "seung". watch yours selfs.
Hello, i am interest in purchasing your item with no delay,but first? What is the final price od the item? Is the price firm? Will you be accepting a cashier check or postal money order and personal check? Contact me with the present state of the item and your contact information to mail out the payment to you as
soon as possible.
Name you want on check:
Home Address:
Phone Number/Office Number?
N.B:you can also email me at [email protected]
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