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Hudson Perinatal Consortium is a 501 (c) 3 non-profit agency serving the needs of childbearing families in Hudson County, NJ. The Access to Care Program is funded by the New Jersey Department of Health and Senior Services to improve maternal infant health and reduce perinatal disparities in birth outcomes. An initiative of the Access Program, the COMMUNITY DOULA FELLOWSHIP, is immediately seeking applicants. Running with a required 20 hour per week commitment from February 1, 2012 until August 1, 2012, this community based doula program will be part of the solution to improve birth outcomes for the low income women and families of Hudson County. "The fellowship in Hudson County, NJ with HPC provides the books, extended instructional time, home visitation support to clients, a fully stocked birth bag for doula care, resources and support for women to earn their national certification at no expense. The women selected for the fellowship must live in Hudson County, NJ with reliable transportation, have consistent access to a cell phone and email, preferably bilingual, and can meet the time commitments that the 20 hour per week doula fellowship demands." For more information:
For more information refer to the website www.HPCDoulas.com
Contact: Jill Wodnick, HPC Community Doula Coordinator 201-876-8900 x241 e-mail: firstname.lastname@example.com


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Saul is chosen by God to be the king of Israel. He had left his home that day looking for lost donkeys. This is not what he expected out of his day. In looking for the donkeys, he sought out Samuel the seer (prophet). Maybe a prophet of God could "see" where the donkeys were.
Just then Saul approached Samuel at the gateway and asked, "Can you please tell me where the seer's house is?" "I am the seer!" Samuel replied. "Go up to the place of worship ahead of me. We will eat there together, and in the morning I'll tell you what you want to know and send you on your way. And don't worry about those donkeys that were lost three days ago, for they have been found. And I am here to tell you that you and your family are the focus of all Israel's hopes." (1 Samuel 9:18-20 NLT)
"What a relief. The donkeys were found! I guess it wouldn't hurt to stay overnight and get a good meal in before going back home. Our family is the focus of Israel's hopes? What's that all about?" These are all thought Saul might have had after meeting Samuel. The next morning, Saul may have had a bunch more thoughts.
Then Samuel took a flask of olive oil and poured it over Saul's head. He kissed Saul and said, "I am doing this because the LORD has appointed you to be the ruler over Israel, his special possession. (1 Samuel 10:1 NLT)
"What? I'm appointed as ruler of Israel? I'm the king? I was just looking for my father's donkeys and now I'm king?" What kind of thoughts go through our minds when God calls us to our part of His Plan? Do we struggle? Do we push back? Do we doubt?
God made it clear to Saul that he would be king. First of all, he gave the message to Saul through a known and trusted prophet of God. Secondly, he gave Saul all kinds of signs (short term predictions) through Samuel so that Saul would know it was God's choice. Finally, Saul was empowered with the Holy Spirit of God.
At that time the Spirit of the LORD will come powerfully upon you, and you will prophesy with them. You will be changed into a different person. After these signs take place, do what must be done, for God is with you. (1 Samuel 10:6-7 NLT)
This final sign, the Holy Spirit, was not available to everyone back then like today. Many years after the days of Saul, the prophet Joel would predict a day that the Holy Spirit would be made available to all people.
"Then, after doing all those things, I will pour out My Spirit upon all people. Your sons and daughters will prophesy. Your old men will dream dreams, and your young men will see visions. In those days I will pour out My Spirit even on servants--men and women alike. (Joel 2:28-29 NLT)
That day came many years after Joel. The day was Pentecost. The years was the same that Jesus died, arose, and ascended into heaven. He sent His Spirt, just as promised, and the Apostles began speaking in languages they had not learned. They shared the good news that day, that Jesus is the Messiah, the Son of God. When they finished preaching, people asked what they must do to be saved from the coming wrath of God.
Peter replied, "Each of you must repent of your sins and turn to God, and be baptized in the name of Jesus Christ for the forgiveness of your sins. Then you will receive the gift of the Holy Spirit. This promise is to you, and to your children, and even to the Gentiles--all who have been called by the Lord our God." (Acts 2:38-39 NLT)
How about you? Have you repented and been immersed in water for the forgiveness of your sins, receiving the Holy Spirit of God? Have you come home to the Father through the Son and received the Holy Spirit? Are you, like Saul, empowered?

subset: commoncrawl


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I have a relative (whom I won't out) that reads the summary and reviews on Rotten Tomatoes before he or she sees a movie. Before. Feels like cheating to me. How can you enjoy a plot if you know its twists and ending? How can you not succumb to preconceived notions? I prefer being surprised. But of course I'm also a hypocrite — I read reviews on almost every campground we stay in before arriving.
We'd heard the reviews of San Miguel de Allende before we arrived. Several folks in Guanajuato — including one lady who's grandfather was originally assigned by the Queen of England to oversee the empire's silver mines — warned us that San Miguel de Allende was a gringo and tourist city. And when those modifiers are used in conjunction with a place, the inflection is usually, somewhat, derogatory, even when used by gringos and tourists. Of course, we're gringos and tourists, so why should we care? I suppose we're hypocrites here as well.
As such, I had my preconceived biases, and I mostly succumbed to them for the first two days we were in San Miguel. I found myself thinking: if I see one more damn ascot in this city, I'm going to, I don't know, chuck a tortilla at that wall. Or: if I see one more boutique clothing store, I'm going to, I don't know, likely be jealous that I can't afford the clothing in that store. Or finally: if one more of these Upper West Side types complains about the lighting in this restaurant, I'm going to, I don't know, probably do nothing….
But by the third day, like a cloud of relief, my biases lifted. I found myself admiring the ornate and well-preserved baroque Spanish architecture. You can sense the pride the locals and the gringos have for their city. I also found myself walking at a, what is for me, leisurely pace, which according to my wife is still around a nine-minute mile. You can't help but amble, with your head on a swivel, in this city. And finally I found myself luxuriating in creature comforts. You want to dine out (we had an especially delicious meal at Ten Ten Pie), play tennis (our campground was actually squeezed between three clay tennis courts), and take in a museum (the Museo de Juguetes was unique and impressive).
By the fourth day, I was ready to end our trip and setup home. San Miguel de Allende does that to you. You'll want to buy an ancient, preferably restored (or in my case, restorable), stone house with a luscious courtyard and within strolling distance of the city center. You'll want to bask in the temperate climate. You'll want do nothing but walk the cobblestone streets, occasionally stopping for shade beneath a topiary tree in a vibrant courtyard facing a neo-Gothic church while indulging fresh-made limon ice-cream and listening to sublime mariachi music.
San Miguel is, paradoxically, uptight and laidback. But that's just my review. Don't let it influence you….
P.S. One funny thing about San Miguel that I'd like someone to explain to me, perhaps when I'm older and wiser, is the rhyme or reason behind when the church bells ring. These are times I noted from the church closest to our campground: 3:30am, 7:47am, 8:13am, 6:50pm. Whenever. Occasionally they rang every fifteen minutes for a couple hours. It's almost as if any person brave (or drunk) enough to climb up to the belfry was allowed to go deaf. Occasionally, someone sounded like they were practicing Ava Maria, but for the most part, it just sounded like helter-skelter banging.


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United Nations "Silk Road Gala Concert" in Luxor Temple
After the success of the "Silk Road Gala Concert" at the United Nations Headquarters in Geneva, last October, the UN (ONUART Foundation) repeated this concert in an unique location. The Luxor Temple in Egypt was open for this performance including worldwide principal opera singers. For this concert Pablo Mielgo conducted the Cairo Symphony Orchestra with the Egyptian soprano, Fatma Said, the Chinese mezzo, Huiling Zhu, the Russian tenor Vladimir Galouzine, and the Russian soprano Natalia Timchenko.. 4th of May. Luxor Temple, 20,00h.


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Hello, my name is Thomas Morrell. I am a seasoned visual and UX/UI designer utilizing strong creative and strategic skills to craft meaningful and unique experiences by balancing user needs with business goals. I've had the pleasure of working in a broad range of creative capacities such as digital product development, branding & art direction for interactive, print and the built environment. I believe great design needs to be as intelligent as it is beautiful.
No one goes to war without a plan. Well, at least no one should. I underpin all my work with clear strategic thinking to ensure that objectives are defined from the outset, and every element of our action is pointed firmly towards achieving those objectives. My process is taken from the four natural elements that create everything and the Human Centered Design Process. I call it simply Design Alchemy.
Define a user need. Draw your ideas on the wall until you have a minimal viable product. Set firm goals, get to know your audience and set a realistic budget.
Brainstorm ideas that are in line with your goals, targeted to your audience and within your budget. Establish a time line and how the success of this campaign will be determined.
Good design is a mix of function and beauty. It should engage, compel and make perfect sense. Strive for clarity, simplicity and action by creating an engaging experience.
Track and test everything, from analytics to sales, customer satisfaction to influence. Use the data to determine what can be improved upon. Keep it going.


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'Like Ant, my husband left me for my best friend...'
As I saw Lisa Armstrong tweet of the agony she felt when she discovered her estranged husband, Ant McPartlin, had begun a relationship with her friend, tears began running down my cheeks.
It's a pain I know only too well, as a few months ago, I found myself in that exact same situation.
Just as I imagine Lisa would have with Anne-Marie Corbett, the friend and personal assistant to McPartlin with whom he has since become romantically involved, I thought nothing of introducing Maria to my husband and inviting her into our home. We became fast friends, and I did not for one minute suspect that this friend of mine, my confidante, would end up entering into a relationship with my other half. She had been privy to my innermost thoughts and knew the intimacies of our marriage like no other; she knew that a betrayal of this magnitude — not to mention a total lack of regard for the 'girl code' that exists between women — would finish me.
Like any married couple, Mark and I had our fair share of ups and downs, magnified, perhaps, by the fact that I had uprooted my entire life from Italy, leaving my family, friends, home and job for a man I had met a year
earlier. I had arrived here, a madly-in-love newlywed, though struggled to fit in to this new country where I knew no one except my spouse. When we moved house, and I met Maria, I was thrilled — she lived next door and was happily married to an investment banker, raising their three children as a stay-at-home mum. She was exactly the woman I wanted to be when I grew up and, missing my sister back home, in her I felt I had found one. She was constantly round at our house, or I was at hers, helping her with the children or just hanging out. She truly felt like a member of the family.
At the start, Mark and I had a wonderful marriage. He was kind, loving and very attentive, and we were both willing to work through any issues that arose. Now I look back, I see that he became distant after the birth of our first child — but at the time I was so busy being a new mother to my little boy that I didn't realise.
When our second child, a daughter, was born, Mark changed far more noticeably, withdrawing from me more and more. I just put it down to the fact that domesticity dampens most relationships and, busy with the children, I thought that things would pick up again between us. He no longer wanted to have sex, though, and it was when we went through long periods of abstinence that I became quite depressed. I believed it was all my fault, that I had become this mumsy type and was no longer attractive to him.
It was hurtful to admit out loud that my husband didn't want me, and the only person I felt comfortable saying it to was Maria. She was constantly reassuring me and telling me that I was beautiful — she even used to joke that if she was attracted to women, she would be interested in me.
By this stage, Mark wouldn't discuss our absent romantic life, and communication between us had broken down. He came home one day two years ago and announced that he wanted out, packed a bag and left.
Maria had moved out of her family home after discovering that her husband was cheating on her. What I didn't know was that she had taken up with mine — something I only found out when a friend came over for coffee six months ago, and told me that Mark and Maria were seeing one another. She thought I knew, and was shocked to find that I didn't, as apparently it was all anyone we knew had been talking about. How the breakdown of my marriage had suddenly become "hot gossip" was beyond me.
The betrayal hit hard, and I was in a bad way. I sank into a deep depression, and couldn't see the wood for the trees. In many ways, losing Maria was worse than my marriage breaking down: it hurt so much that this woman, this person I had treated as a sister, who knew me inside out, would take such a step. Even though we were no longer together, she had known that I was still in love with Mark, and, with hindsight, I wonder if there was something going on there all along. Little exchanges between the two of them that I only ever thought of as friendliness now replay in my mind as much more.
To my mind there was never the slightest sign that the two most significant others in my life were together. In fact, I had no idea Maria was even seeing anyone; she had been so bitter about her marriage breakdown that most of our conversations were about that — including at dinner the week before I found out about her and Mark. I had spent the entire evening consoling her — looking back now, I feel like an idiot.
To add further upset to the mess of my broken marriage, my children, who called my friend Auntie Maria, had to find out that their dad was living with someone who felt like family. My worst fear is that they will get married. I cannot bear to think about it, or the idea of my children calling her mum.
I am in a new relationship now, but find it incredibly difficult to trust people. I also refuse to introduce any of my girlfriends to my new partner for fear of history repeating itself. I got over my marriage breaking down, but I truly do not think I will ever come to terms with Maria's betrayal.
*As told to Raj Gill. Names have been changed.
Code Red: how can you spot the signals he's having an affair?
Lisa Armstrong has identified the moment she knew Ant McPartlin was having an affair, and who with (his PA, Anne-Marie Corbett): when she spotted pictures of him leaving the marital home with a packed lunch in a Tupperware container. OMG. Of course! No man is going to make his own packed lunch, never mind one packed in an airtight, appropriately-sized Tupperware container.
And no normal underpaid, overworked PA is going to volunteer to make her employer a packed lunch, unless said PA is a lot more personally involved than her contract stipulates.
It, therefore, follows that only a woman in a fever of early love, smitten with the caring warm-fuzzies (and also a desire to demonstrate just how easy she will make his life forever, if he lets her), makes a packed lunch for an able-bodied man.
It won't be much consolation to her, but Lisa Armstrong has identified a 'Code Red, Affair In Progress' that many of us had not considered. The packed lunch is now officially one of those bang-to-rights giveaways, like the unexplained dinner-for-two receipt, or the jewellery box in the coat pocket when there are no birthdays or anniversaries on the horizon, and it makes you want to remind yourself, urgently, what all the others are. Just in case.
Never mind lipstick on the collar, here are the harder to spot signs that He's playing away.
◊ He's become shirt-tucked-in man. Who is tucking him in? He's not tucking himself in, that's for sure. He just looks a lot more put together generally (oddly since, you're beginning to realise, he is getting dressed and undressed twice as frequently).
◊ He is "catching up" on Big Little Lies, or similar, in the manner of someone who is expecting to be discussing its merits later.
◊ He's got a new haircut. Uh-oh. For years he's been going to Manny over the newsagents and getting the €13 monstering. Now he's got a serious haircut. This is not necessarily a Code Red, but if it involves a fashionable fringey bit and you find the receipt and it cost more than €50… it's definitely in Code Red territory.
◊ He's dyeing it. Either he's dyeing it, or pathologically trimming the grey muff bits.
◊ Treating his phone like it's a Tamagotchi, whose survival relies on body heat, and only ever charging his phone next to the bed.
◊ Having a lot of new words in his vocabulary which are a) new, and how does that happen if not by the rub-off principle?, and b) young person words. For example, "chilled" and "problematic" and, whereas he used to say "girls", now he always says "women".
◊ He was very happy to watch the whole royal wedding and slightly misty-eyed throughout, and also texting.
◊ He is taking vitamins.
◊ He has bought weights. Not only that (because he has bought weights before), but he is using them, and in front of the mirror.
◊ He has taken up Pilates or kick-boxing or something, which he may well have done, but it's also two hours of being absolutely not available on the dog and bone (what he now calls it).
◊ It turns out he is familiar with a route through a part of town that to your certain knowledge he has never been to, and he's whipping down rat-runs without satnav, like a local.
◊ He has been murmuring for years about organising a uni reunion with his uni mates and now he's done it and it's in Hamburg, over four nights. No partners. (Not so) funny that.
◊ He seems to know an awful lot about Love Island.
Related Content
- Lisa Armstrong had a 'niggling feeling' estranged husband Ant was dating former PA months ago
- Cat Deeley shows off growing baby bump in gorgeous beachside pictures
- 'I let her into our home' - Things get even more complicated as Ant McPartlin's estranged wife hits out at his new relationship
- Declan Donnelly and expectant wife Ali make glamorous turn at Ascot: all the stylish pictures from day two


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Find the Best Personal Loan for Your Needs
If you're looking to get financing in modern day times, chances are you've considered looking at online options that are available to you. Modern technology has helped bring the finance sector forward in just a short amount of time. Despite changes in technology, one of the most popular forms of finance continues to be personal loans. People continue to use personal loans to make a variety of purchases or to refinance their current debt at lower rates.
More and more people are heading online to apply for these loans. But if you've never applied for finance online, you might find this process slightly intimidating. It can be strange handing over personal information via the internet, so you need to be certain that you know exactly what you're doing. If you're not nervous about applying for online financing, but you still want to learn more about the process, this page will also be great for you.
We've created this guide to help people have a more pleasant borrowing experience. We want our readers to understand the benefits and drawbacks of personal loans online. If you've ever had any questions about this unique industry, our guide is sure to answer all of them. Make sure to read through all the content provided on this page before making any decisions.
A Changing Landscape
Personal loans online are the product of a changing lending landscape. Previously, people would walk into banks and apply for financing directly through a lender. This process was personal, but it also took a considerable amount of time. You would normally need to bring multiple forms of ID, proof of income, and a variety of other complex documents. After the lengthy application, you might then need to wait days or weeks to get any outcome from the lender. If you were rejected, you'd have to start the whole process again.
Now you apply in a matter of minutes. Everything can be done online and you don't have to worry about waiting for a decision – you'll typically receive one in just a few minutes. This is because of the amount of data that many lenders have available to them. Whether you like it or not, lenders can get a pretty good idea of what kind of borrower you are without needing to ask you any questions. This allows them to make much quicker lending decisions and provide all the services to you directly through the internet.
Applying for personal loans online isn't for everyone. There are still plenty of people who don't enjoy using the internet to make financial applications or other financial based decisions. This is fine. Many lenders still offer you the ability to go into a branch and apply for a loan with a bank representative. While many have been shying away from this, it's still an option. We suggest you get the process started sooner rather than later, you never know when they'll move everything online!
Applying for Personal Loans Online: The Process
The process for applying for personal loans online is extremely straightforward. This is why more and more people have begun to apply directly online. In this section, we will give you a quick walkthrough of what you should expect if you do decide to apply online.
Step 1: Choose a Lender
This is the hardest part of the process. You need to have a look at a variety of online lenders and see which one is most suited to you. You don't want to work with a lender that has a bad reputation. There are plenty of online personal loans companies that have bad reputations within the borrowing community – steer clear of these operators. Remember, if someone has had a terrible experience with a company, there's a high chance that you will as well.
The best way to cross reference whether or not a lender is a good company to work with is to head online and look at different consumer watchdog sites. You'll find that both Consumer Affairs and the Better Business Bureau provide a great platform for people to review lenders that they have worked with. Make sure that a company scores well on these sites before you decide to work with them.
Step 2: Head to Their Application Portal
After you've decided which lender you want to work with, you should head to their website. There you will find their online application portal – this is typically accessible from the homepage of the website. Indicate that you would like to apply for a loan. This is the time where you can browse around the site and find the answers to any questions you might have. If you still have any questions that have gone unanswered, don't hesitate to call the lender's customer service team if you find that you are confused about anything.
Step 3: Submit Your Information
Once you begin the application, you will need to input your information. This will typically include your name, address, education, SSN, birth date, income information, employment information, and a few other details. You might need to upload documents, but you can do this directly through the website. You will also need to outline how much money you're applying for.
This is not a credit card application, you will need to specify the amount of money you're looking to get.
Step 4: Wait for a Decision
After you've finished the application, it's time to wait for a decision. Depending on the type of lender you've decided to work on, the time it takes to find out can vary. You will want to try and find a lender that can get you an instant decision. If you do have this type of a lender, your decision should appear on the page after the application within moments. This is especially true if you've applied for a small or medium amount of money.
Step 5: Get Your Cash!
This is the final step. If you've been approved, you'll have to provide your bank details so that you can receive the money that you have been approved for. Many online personal loans can be given to you within 24 hours of your approval. Meaning that the money will be in your account within a day of you finishing the application. This is another great benefit of working with many online lenders.
Security: Better Online
A great feature of many online lenders is the fact that they have much more secure lending processes. You can apply through the internet, so you don't have to worry about putting personal information on a paper application. It can be a bit unnerving having to put your personal data on a paper application and turn it into someone you don't know. You never know who could end up using your Social Security Number of other important information.
There's actually a way to improve a fair credit score extremely quickly. You should make sure to try and do this before you apply for any loan. It might not work for everyone, but the majority of people will be able to improve their score a bit before they apply for a loan. Even just a few points will help you improve your chances of getting personal loans for fair credit. Follow the tips below if you want to have a higher chance of being approved for a personal loan.
Check Your Credit Report
While many people know their credit score, few people have a deep understanding of their credit report. Your credit report is much more detailed than your credit score, it contains all the items that dictate what your score is. If you don't know what these items are, then you don't understand why your credit score is the number it is.
What many people also don't know is that there are often mistakes on people's credit scores. These mistakes arise from a variety of problems associated with the reporting industry. If you check your credit report and it has mistakes on it, you can request that these mistakes be removed. This can have a drastic impact on your credit score. Each reporting body in the United States is legally required to give you one free credit report per year, so head online and request one – the sooner, the better.
Use a Credit Repair Company
If you don't have any success with the first step in this credit improvement journey, you can contact a credit repair company to help you improve your score. There are plenty of reputable companies that will only charge you if they're able to get you results. Many of these companies have had success at improving scores across the nation, they're a great option if you have some money to invest in your credit score.
Reduce Your Current Credit Card Debt
The least complicated and most sure-fire way to improve your credit score is actually just to reduce your current credit card debt. One of the biggest components of any score is the amount of debt you are carrying your credit card. This is calculated as a percentage of your credit limit being used. Your balances are updated monthly with the credit reporting bodies, which means that you never have to worry about waiting too long to see an improvement.
If you can afford to pay some of your credit card balances down, this is a great way to make sure that you improve your fair credit score quickly. It will sometimes improve your score up to 90 points!
The Advantages of Online Personal Loans
After reading this article, you probably have a pretty good idea of whether or not you want to apply for online personal loans, but it can still be hard to take all the information in at once. Spreading all the needed details across a long article helps us better explain certain key concepts, but sometimes you might want to see things from a bird's eye view. That's why we've created this section to give you a more acute understanding of the benefits of personal loans online. Check out the advantages below.
- Quick – The biggest advantage to online personal loans is simply the convenience. It's the easiest type of loan to apply for as it only takes a few minutes. You don't ever have to leave the comfort of your own home to apply for a loan, which makes this an extremely attractive form of loan.
- Safer – Data is transferred over the internet. Many lenders encrypt the data that they receive which means that you don't have to worry about it ending up in the wrong hands. In an age where Identity theft is an increasingly large problem, this is a benefit you will most likely welcome.
- Choice – There are way more online lenders than traditional lenders, meaning that borrowers have a ton of choice when it comes to who they want to work with. This means that you have plenty more options than you would have had in previous times.
- Electronic Transfers – Many online lenders use electronic transfers to try and speed up the process of getting you the funds you need. This means that you will often be able to get your money in as little as 24 hours when you're approved for financing.
The Disadvantages of Online Personal Loans
While there are obviously many advantages to getting online personal loans, you'll find that there are also a few drawbacks. We will discuss some of the negative traits of this type of financing below.
- Not Personal – With an online application, you can't ask personal questions about the loan with a representative in a branch. This means that you might feel as though you are less informed about the financing choice that you're making. This is one of the major drawbacks of online personal loans.
- Finding Trustworthy Lenders – Because there are so many lenders operating in this space, it can be hard to tell if lenders are trustworthy. With traditional banks, many of the lenders have longstanding reputations in the industry that make you feel safe about working with them. This isn't the case with personal loans online. You don't want to work with a lender that has dodgy terms and tries to cheat you out of money.
If you're looking for personal loans online, you'll be pleased to know you have hundreds of different choices to look through. This might seem like a bit of a pain, but it means that you'll end up with a really competitive rate and a lender that knows the value of treating customers well. Just make sure that you only work with companies that have awesome reputations. If you see a red flag, it's probably worth paying attention to.
If you want to get a jump start on finding the right lending partner, you should head to our homepage and check out the lenders that we suggest you work with. It's much easier to choose a lender if you already know who the reputable ones in the industry are. You don't want to start in the dark. Make sure to cross reference any suggestions with consumer watchdog groups.
Applying for personal loans online is meant to take the hassle out of the experience. So, make sure to approach it with the intention of un-complicating your life, not complicating it. Don't apply for multiple loans at once – this is a mistake many people make and it damages their credit scores!
Getting personal loans online may be a relatively newer service offered by lenders, but it is surely rising as one of the top choices of people needing quick cash. Find out more about online personal loans through your most frequently asked questions as divided in to the following sections:
- General Information on Personal Loans Online and Process Concerns
- Getting a Personal Loan Online
- Companies Offering Personal Loans Online
- Online Personal Loan Lenders Recommendations
- FAQ on Personal Loans Online
General Information on Personal Loans Online and Process Concerns
Aside from they're done online, how does online personal loans differ from your regular personal loans? Through the questions below, this question as well as arising process concerns would be answered.
Is it legal to get loans online?
How do online loans work?
Do online loans really work?
Is applying for a loan online safe?
Are online bad credit loans safe?
Will an online loan affect my credit score?
What is the easiest online loan to get?
What if I default on my online fast cash loan?
What do I need to apply for a loan online?
How do I check my loan eligibility online?
What happens when you submit a loan application online?
How long does an online loan application take?
How do you pay off your loan online with signet?
How do I access my loan balance online?
How do I get an online loan sent to PayPal?
How do I find my federal loans online?
How do I calculate the interest rate on a loan online?
Getting a Personal Loan Online
Here, all your concerns related to getting a personal loan online would be discussed.
How do I get a loan online?
How do I get a loan online with bad credit?
How do I apply for a bank loan online?
How do I get easy loans online?
How do I get a loan fast online?
How do I get a loan online with no bank account?
How do I apply for a small loan online?
How do I get free loan online?
How do I get a cash loan online?
How do I get a secured loan online?
How do I get a loan online with no credit?
How do I get a loan online without a job?
How do I get an instant loan online?
Companies Offering Personal Loans Online
If you're eyeing a certain bank or company to grant you a loan, you may find below if you can apply for one as well as the steps and the link where you can do so.
How do I apply for a USDA loan online?
Can you get preapproval for USDA loan online?
How do I check my Citibank personal loan application status online?
Can you apply for a Chase personal loan online?
Online Personal Loan Lenders Recommendations
Below are recommendations on personal loans based on existing reviews.
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Play Best Free Online Balloon Shooter Games
Try your shooting skill bye shooting the ballons floating in the sky.
How to play & walkthrough: Use mouse to aim and shoot. Space bar to reload.
Balloon Shooter is a free online balloons, kids, shooting game. You can play online games and find a lot of balloons, kids, balloon, shooter games in different category like games and more.


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I Know a Super Hero/
So, I know this person who I swear is a secret super hero. I was watching the Incredibles last night and thought to myself, "I would not be surprised if this person was sneaking out in the night to rescue people and stop crime." My mom raised me as a single mom for 13ish years while going to grad school then working full time. Insane, right? Not only was she working full time, but she was serving communities, mainly working with sexual and physical abuse victims, ya know, helping save their lives...
One time, we went to see Tim Tebow speak at a church near our house. Yes, I was in heaven, but that's a different story. Before he came out they had a competition for whoever "Tebowed" the best. Being super competitive, she was picked to go on stage and long story short, I think I mooned the audience jumping up and down yelling for her, but she won an autographed football! My immediate assumption was, "I'M GOING TO HAVE AN AUTOGRAPHED FOOTBALL IN MY ROOM YAY MOM I LOVE YOU!" Nope... she used it to further the mission of Hearts of Hope and gained attention to that issue by having it at an event and giving it away to someone deserving.
So, I'm pretty sure she's a secret super hero. Acadiana took notice and nominated her for a community hero award, so I'm pretty proud. I would love love love to have your vote for Jill Dugas.
Here is the link: https://acadianahero.com/vote.php


text: If you think this sunrise this morning was beautiful on the computer you should have seen it in person! God must really appreciate beauty! I thank him often that we live in such a beautiful seaside location! Remember the English speaking Convention of Jehovah's Witnesses will be here next Friday Saturday and Sunday! I can hardly wait!


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The ACWL is pleased to announce its 16th annual training course and looks forward to welcoming former and new participants. This year's course is part III of the ACWL's three-year course on WTO law and jurisprudence and will focus on WTO Dispute Settlement Proceedings.
The course will start on Thursday, 5 October 2017 and end on Thursday, 7 June 2018. The course is designed for Geneva-based government officials from ACWL developing-country Members and from LDCs, particularly those delegates whose functions involve the legal aspects of trade policy. The sessions will be held on Thursdays from 13:30 to 14:45 at the ACWL's Annex (35-37 Avenue Giuseppe-Motta, 1st floor). A light lunch will be provided starting at 12:45 each Thursday.
The course will be taught by the Executive Director and lawyers of the ACWL. As in previous years, the course will include a moot court exercise, in which participants will take part in a simulated WTO dispute settlement proceeding involving some of the issues covered in the course. The proposed programme for the course is attached. It may be revised to take into account the wishes and needs of the participants. A Certificate of Attendance will be issued to participants that attend at least 20 sessions out of 27. In addition, participants that have completed the course may take an optional written (multiple choice) examination in June. An additional Certificate of Achievement will be provided to participants that are successful in the examination.
Interested officials of ACWL developing country Members and LDCs should download the registration form below, complete it (attach a digital photograph) and return by email to email@example.com no later than 29 September 2017.
If you have questions or suggestions regarding this course, please contact our secretariat at email@example.com or +41 22 919 21 21.
ACWL Training Course Proposed Programme 2017-2018 (pdf)
15 September 2017


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by William Nicholson
Where and When
HK Rep Black Box Theatre
8/F, Sheung Wan Civic Centre
29 May -1 June 2013
Hong Kong Players, in association with HKRep, presented William Nicholson's heartbreaking drama about the life of Narnia creator, C.S. Lewis. The play took West End audiences by storm in the late 1980s, and was the basis for the popular film starring Anthony Hopkins and Debra Winger.
The HK Players production received rave reviews from our audiences, and was an honour to be involved in!
|C.S. "Jack" Lewis
|Stephen Bolton
|Joy Davidman
|Tammie Rhee
|Major Warren Lewis
|Gus Scott
|Douglas Gresham
|Reuben Taverner
|Christopher Riley
|Jeremy Payne
|Maurice Oakley
|Paul Gordon
|Alan Gregg
|Jim Lewis
|Reverend Harrington
|Matthew Taverner
|Various supporting parts
|Hannah Steele, Sandra Smedhall
Production Team
|Adam Harris
|Associate Director
|Jim Lewis
|Deputy Stage Manager
|David Jenkins
|Set Designer
|Ian Pratley
|Lighting Designer
|Ian Pratley
|Teri Fitsell
|Publicity Photographs
|Lorenza Mazzucco


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In California, the unlawful killing of another person is considered either manslaughter or murder. Under California state law, a murder can be either a first-degree or second-degree murder. To qualify as a first-degree murder, a prosecutor must prove that the murder was premeditated or that there was some type of malice aforethought. Murders that occur due to self-defense or that were not premeditated do not meet this threshold.
State law requires a defendant to be charged with first-degree murder if a weapon of mass destruction was used in the killing. Furthermore, such a charge is mandatory when the person who allegedly committed the crime was lying in wait for a victim or used torture during the killing. This charge is also mandatory if it occurred while another felony was being committed.
There are several penalties that an individual could face if convicted of first-degree murder. An individual could serve 25 years to life in prison, spend life in prison without the possibility of parole or face the death penalty. Generally, life sentences without parole or a sentence of death are considered when a peace officer or other government official is killed. However, the law allows a judge to impose a life sentence for any murder that is especially heinous or gruesome.
Those who are charged with a homicide are considered innocent until proven guilty. A criminal defense lawyer may help a client dispute the charge in court. This may be done by challenging evidence used against the client or having evidence withheld. The lawyer may also ask for charges to be dropped if mistakes are made by prosecutors.
Source: Findlaw , "California First Degree Murder Laws", November 20, 2014


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Xena: Warrior Princess (2018-) #7
- Publisher: Dynamite
- Written By: Meredith Finch
- Art By: Vicente Cifuentes
- Language: English
- Digital Release Date: August 8th, 2018
Price: $3.99
What could Nazar have done to set the Oracles out to kill her? Maybe she really DID kill her sister. But Xena and Gabrielle can't fight the assassins AND keep Nazar safe, so the Warrior Princess calls in a favor…with the Amazons!


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Sea Salt & Orchid
Sea Salt & Orchid
Sea Salt & Orchid - Smooth and elegant blend of soft floral orchid notes with salty highlights.
Hand poured into clear boutique glass with a minimal and simplistic label.
Made in Denver, Colorado with 100% soy derived from American-grown soy beans for an eco-friendly, clean burn. We use lead-free cotton wicks primed with vegetable based wax and premium grade blended fragrance and essential oils. No added dyes or chemicals.
Burn time: Approx. 40 hours per candle
8 oz.
Tumbler Height: 3.9"
Tumbler Diameter: 2.9"
*listing is for ONE 8 oz. clear glass tumbler*
Add To Cart


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ESSA - ECSS Exchange Report 2017 - MR 29.08.2017
At ECSS MetropolisRuhr 2017 ESSA - ECSS exchange delegate Dr Chris Stevens from Southern Cross University, Australia presented his winning research from the ESSA congress in 2016.
Title of the presentation was Should Endurance Athletes Competing in the Heat Focus on Cooling Before or During Competition? Please read his exchange report below.
ESSA - ECSS Exchange Report
I had the privilege to attend the ECSS Metropolis Ruhr 2017 congress as a special guest (VIP was referenced once or twice) after winning an ESSA-ECSS exchange award in 2016. I had been to the ECSS congress before (2015 in Malmo) so I knew what to expect – an abundance of the world's best researchers, free from their families and eager for a pub crawl.
This congress was by far the most well-organised and entertaining conference I have attended. The opening ceremony was like a night at the theatre with performances from a football juggler, silhouette artists and a breakdancer with a disability. I also attended a special reception at the University of Bochum with an incredible pipe organ performance and was gifted with their designer cologne (VIP treatment). The other highlight of the social program was of course, the pub crawl, where I discovered that Malibu and Red Bull can be combined in a single beverage.
But I was there for the conference and I had the opportunity to listen to and speak with some 'up and comers' and the 'rock stars' of the sport science world. I presented first up in one of the early 8am sessions and despite the intimate audience, I still managed to receive a few hard-hitting questions (an important part of the conference experience). The conference organisers did a great job of keeping everyone fit by placing every second presentation that you wanted to go to on the other side of the conference centre, so no extra exercise was needed.
I would like to thank the conference organisers on a fantastic event and I will be putting this conference on my calendar to attend annually. I'm already looking forward to Dublin!
Dr Chris Stevens
Lecturer Sport and Exercise Science
School of Health and Human Sciences
Southern Cross University, Coffs Harbour, Australia
If you publish anything relating to this content, please send details to our PR Manager so that it can be included in our ECSS in the media section.
Tuulia Hokkanen
PR Manager
Phone: +49 221 9626 2771
Fax:+49 221 9626 2779


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Three named 2018 Ledford Scholars
Three named 2018 Ledford Scholars
May 15, 2018
Three Maryville College students have been granted a total of more than $12,600 through the Appalachian College Association's (ACA) Ledford Scholarship to fund summer research projects.
Named for Colonel Lee B. Ledford, the scholarship program offers financial assistance for students who are enrolled at ACA member institutions and conducting summer research in the fields of laboratory and field work, interviews, analyzing special collections and participant observation.
All of the recipients will utilize the money to fund research associated with their Senior Study project.
"Undergraduate research has been a distinctive feature of the Maryville College curriculum since 1947, when a two-semester, faculty-supervised independent study was made a graduation requirement of all students," said Dr. Barbara Wells, vice president and dean of the College. "And this year's number of successful Ledford Scholarship applicants speaks to the high value we place on this type of scholarly work. These students are well-prepared for what are more typically graduate-level research experiences."
A total of 29 students enrolled at 11 ACA institutions were awarded scholarships. The students will present the outcomes of their research at the annual ACA Summit in September.
"Each student will be working closely with a faculty mentor this summer," Wells added. "This arrangement will enable them to continue to develop their research skills. We know from experience that opportunities like these can give students a distinct advantage when they apply for admission to graduate school or health sciences programs."
Miramontes Flores to study stream health in College Woods
Alan Miramontes Flores, a junior biochemistry major from Knoxville, was awarded a $5,800 Ledford Scholarship to examine the health of the streams in the 140-acre Maryville College Woods.
"I will attempt to answer questions concerning the overall health of these streams by examining various aspects of the streams such as the ion concentrations, pH levels and pesticide concentration," Miramontes Flores said, adding that the project is a continuation of previous Senior Study projects that have looked at the water quality of the streams in the Maryville College Woods using various analytical methods.
"This project will also focus on common household pesticide concentrations throughout the streams in the College Woods and how they could be negatively affecting the overall health of those streams," he said. "The scholarship will allow me to devote more time to develop better analytical methods and produce better results for the questions we are trying to answer.
As the sole student researcher, Miramontes Flores, under the supervision of MC Assistant Professor of Chemistry Dr. Nathan Duncan, will collect weekly water samples from the streams over the course of a year.
His project has three goals: the continuation of the collection of water samples from streams in the College Woods to analyze them to allow for health determination (and comparing the data to that collected through previous projects concerning the health of the streams); developing extraction and identification methods for potential pesticide concentrations from water samples taken from streams in the College Woods; and analyzing the collected water samples for household pesticide concentrations after he develops a viable method for extraction and identification.
"The overall Maryville College Woods stream health determination will be based on data collected from basic water analysis of ions and pH, and pesticide concentrations-based water analysis," Miramontes Flores said. "We are also hopeful that we will be able to identify which are the major pesticides present in the streams, and we can look at their particular water degradation and the effects their byproducts might have on the ecosystem of the College Woods."
Ward to study sTLT-1 protein
Alyssa Ward, a senior chemistry and biology double major from Riceville, Tenn., received a $1,000 Ledford Scholarship to continue research on a protein called sTLT-1 conducted by Maryville College students.
TLT-1 is a protein that is produced by platelets. Previous research by MC students and 2017 Ledford Scholars Morgan Gast '19 and Victoria Deal '19 resulted in a breakthrough that involved genetically engineering an antibody that binds to TLT-1. The students conducted the research at the College and in the University of Puerto Rico (UPR)-Río Piedras laboratory of Dr. A. Valance Washington, which studies platelets.
"The coagulation of blood is a cascade of interwoven biochemical events," Ward wrote in her project narrative. "An emerging interest of one piece of this hemostatic pathway has focused in on a protein known as 'Triggering receptor expressed on myeloid cells–like transcript-1,' also known as TLT-1, which is expressed by megakaryocytes and platelets and released into blood as a soluble form (sTLT-1) following platelet activation. Researchers at UPR-Río Piedras have provided evidence that TLT-1 plays a regulatory role in thrombosis and that increased levels of this protein in blood may be an indicator of poor prognosis in certain disease states, such as sepsis and acute respiratory distress syndrome. Further research has suggested TLT-1 acts to regulate cells within the innate immune system and inflammatory responses to injuries.
"As research continues to investigate the function of TLT-1 and sTLT-1 in the coagulation cascade, various binding partners of TLT-1 and specifically sTLT-1 are being identified," Ward continued, adding that Washington's lab has shown that sTLT-1 binds to fibrinogen – a binding interaction that has been confirmed by research conducted by Maryville College students Boomer Russell '18 and Lauren Biliter '18.
Ward's research will focus on quantifying binding interactions, thermodynamic constants and kinetic binding constants for various coagulant proteins, in complex with TLT-1.
Most of the research, which will contribute to Ward's Senior Study, will be conducted in a laboratory at Maryville College, under the supervision of Natural Sciences Division Chair and Associate Professor of Chemistry Dr. Angelia Gibson and Cornerstone Analytical Laboratories President Dr. Mike Goodrich. The Ledford scholarship will aid in the purchase of experiment materials and supplies, such as the coagulant proteins to be investigated. Gibson and Ward also hope the scholarship will allow for the opportunity to conduct research at the University of Tennessee at Knoxville, by aiding in instrument user fees cost.
"The project will lead to the development of several biochemical and molecular biology laboratory techniques," Ward said. "The skill sets that will be established during this undergraduate research opportunity are invaluable in this field of study, and in any future research and laboratory work opportunities."
Moats to study cancer immunotherapy
Katelyn Moats, a junior biochemistry major from Maryville, Tenn., was awarded a $5,800 Ledford Scholarship to study cancer immunotherapy, a field that involves using the body's natural immune system to fight cancer.
She will spend the summer conducting research at the Medical University of South Carolina (MUSC) in a drug synthesis lab that focuses on treatment of multiple myeloma cancer by immunotherapeutic methodologies, under the guidance of Ph.D. student and MC alumna Ravyn Thompson '15, who was a Ledford Scholar in 2014. Moats is continuing work MC student Cara Coleman '18 conducted in the lab as a 2017 Ledford Scholar last summer.
As a summer student in the Charleston, S.C., lab of Dr. Nathan Dolloff, Moats will study the interaction between multiple myeloma cells and regulatory T-cells (Tregs) to determine whether one's presence alters the state of the other.
Multiple myeloma is a "hematological malignancy characterized by abnormal plasma cell growth that inhibits healthy blood cell production," Moats wrote in her project proposal, adding that a multiple myeloma prognosis is grim, and therapeutics are primarily aimed at relieving symptoms.
"However, researchers in the immunotherapy realm are evaluating the way in which an individual's immune system can be manipulated to fight the disease itself," Moats wrote. "Effector T-cells are capable of combating cancer cell growth within the body, but regulatory T-cells limit their effector function, causing them to be a primary focus in the immunotherapy field. Studies are ongoing at MUSC to design a therapeutic that will inhibit regulatory T-cell function and thus enable effector T-cell anti-tumor cytotoxicity."
During her time in the MUSC lab this summer, Moats, who plans to attend medical school after graduating from Maryville College, said she hopes to aid in answering the question of whether it is possible to inhibit cancer cell growth by inhibiting regulatory T-cells.
"I also hope that my research will aid the project's progress in synthesizing a drug to inhibit regulatory T-cell function and in turn help individuals in need, which is what I ultimately hope to accomplish in my lifetime," Moats said.
Maryville College is ideally situated in Maryville, Tenn., between the Great Smoky Mountains National Park and Knoxville, the state's third largest city. Founded in 1819, it is the 12th oldest institution of higher learning in the South and maintains an affiliation with the Presbyterian Church (USA). Known for offering its students a rigorous and highly personal experience that includes an undergraduate research requirement, Maryville College is a nationally ranked institution of higher learning that successfully joins the liberal arts and professional preparation. Total enrollment for the Fall 2018 semester is 1,154.


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Refinancing lifeline fails to reach most 'underwater' homeowners
A seven-month-old government program to help homeowners with little or no equity refinance their mortgages has so far reached fewer than 3 percent of those targeted, with many struggling borrowers deciding that the benefits of a new loan aren't worth the closing costs.
This lackluster performance reflects the difficulty of helping the growing segment of "underwater" homeowners -- those who owe more than their home is worth.
The program is a key component of the Obama administration's efforts to stabilize the housing market and arrest the nation's growing foreclosure rate. But the initiative has received far less public attention than its companion, a loan modification program that pays lenders to lower the payments of delinquent borrowers who are in imminent danger of losing their homes.
The refinancing program targets borrowers who are not in trouble on their mortgage now but, because they are underwater, are at risk of falling into trouble later. By suspending the traditional refinancing requirement that borrowers have equity, officials hope to make them less vulnerable to foreclosure. Homeowners whose loans are backed by mortgage financiers Fannie Mae or Freddie Mac are eligible.
This effort has so far helped about 130,000 of the up to 5 million borrowers the Obama administration has said are potentially eligible, according to government data.
"We would have liked to move at a faster pace, but it does take time to ramp up," said Seth Wheeler, counselor to the secretary at the Treasury Department. But "it has been a substantial help to those that have been able to refinance."
Ironically, the program is struggling during one of the nation's largest refinancing booms. Mortgage rates have hovered at 5 percent or below for 30-year fixed rates in recent weeks, according to a weekly survey from Freddie Mac. The value of refinanced loans is on track to jump 60 percent this year, according to the Mortgage Bankers Association.
During a recent conference call with reporters, Treasury Secretary Timothy F. Geithner noted that, with mortgage rates near historic lows, 3 million homeowners had already refinanced this year. That refinancing boom pumped $10 billion in purchasing power into the economy, chimed in Shaun Donovan, secretary of the Department of Housing and Urban Development.
But those benefits have yet to trickle down.
"The government is spending a trillion dollars to drive mortgage rates down, and it's been successful. But who is taking advantage of that? The people with the best credit and best equity. Not the people on the fringes," said Bob Walters, chief economist of online mortgage company Quicken Loans.
Scarce equity
Recent studies have shown that one-third of borrowers are underwater on their mortgage. In the Washington region, about 34 percent of borrowers owed more money than their homes were worth during the first quarter of the year, according to First American CoreLogic. The problem is most acute for borrowers who took out loans in 2006 and 2007 -- about 60 percent of them are underwater, according to Fitch Ratings.
Yet for many underwater borrowers, refinancing isn't always attractive because they could still owe more than the value of their home and face years of payments before they regain equity. Refinancing can be especially risky for those homeowners who might move within a few years or who are nervous about losing a job.


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Friend me on Facebook
to learn more about the Bead Cruises, Creative Retreats and my crazy adventures on the road to bead shows and teaching!
Summer BOOK & KIT SALE!!!
Mix and match books for the
multiple book discount!
Buy any two for $23 ea.
Buy any three for $22 ea.
Buy four or more for $20 ea.
Buy 1 Kit . . . Get 2nd Kit 25% OFF
Buy 2 Kits . . . Get 3rd Kit 50% OFF
Buy 3 Kits . . . Get 4th Kit 75% OFF
FREE SHIPPING on
ANY orders of $75 or more.
Shopping cart and e-mail reciept will show regular pricing,
I will adjust the total before charging.
NOTE: Only one discount per group of kits applies. Sale ends August 31, 2019..
Orders placed between Aug. 24 - 31 will be shipped first week of September.
The time is drawing near! There are still 5 spaces left for you to join us!
If you can only come for a day or two you can. Call 360.271.1410 for details.
August 18 - 23, 2019
Returning to the Tetons! An amazing place to get your creativity flowing! The studio is nestled in the valley at the base of the Tetons surrounded by the Carribou Mountain range! This is a busy
time of year in the valley. Music and Art
Festivals plus the Yellowstone & Teton National Parks!
Click here to learn more or to reserve your space or to learn more!
NEW Book ... Pre-Release Special!!!
Beads of a Feather, Vol. 2
The new book will ship towards the end of July. This is a LOOONG spring/summer show run and road trip for me this year. I had hoped to have it finished before I left on this road trip but the Puffin is torturing me! I've revised it over eight times to get it right from changing the colors to shading to getting just the right look. I'm finally happy with how it's looking, but I could have finished it 3 times by now if I wasn't so picky, but he's adorable..
-- Reg. Price $24.95 + $8 S&H ... SAVE $11 --
NEW Design ...
Great Blue Heron
Amulet: 170 Across by 80 Down ::: 4-1/4" w x 2-3/8" long
Necklace 24" Long :::
Fringe 2-7/8" Long
The Great Blue Heron is a beautiful bird with subtle rich colors flowing through its feathers. Patiently waiting along the edge of waterways searching for their next meal.
The necklace and fringe use beautiful varigaed
Czech Table Cut Accent beads and fun Nugget Accent beads along with the seed beads to compliment the amulet.
............................ Bead Cruise Update ............................
July 17 - 24, 2020
7 - Night / 8 Day
Northbound Glacier Cruise
!!! Welcome Special Guest Artist :::
Liisa Turunen !!!
Liisa Turunen and her husband Jaani will be joining us on this fabulous cruise to Alaska! Above are the selected projects for this cruise, but she is well known for her amazing designs and teaching skills.
You will have the option of also choosing other projects from her website and a she will be bringing a mini-trunk show along on the ship.
I've added beading spaces, but there are only ONLY 14 Beading Spaces Left.
Click Here for more information!
Cabin Pricing: Inside Cabin: $1221 pp ........ Window Cabin: $1351 pp ........ Balcony Cabin: $2281 pp
Click Here to Reserve Your Space ..........
Early Signing Bonus:
-- Classic Beverage Package --
-- $175 Per Person Shipboard Credits --
(Singles get DOUBLE!)
-- Deposit is only $250 pp --
Refundable up to the
day before final payment
with no penalties!
We've changed cruise lines and now you have more options! You can do just the 7 day Alaska Bead Cruise, or ADD Denali at the end of the cruise. We'll still have a fabulous 7 day adventure starting in Vancouver, BC and ending in Seward, AK where you can then either fly home or travel with us on POST-Cruise excursion up to Denali National Park via Train or Bus. I will be working out the details of the land portion later this summer and a PRE-Cruise excursion to Vancouver Island, and Butchart Gardens.
Remember, the earlier you reserve the better the bonuses, they go away as the ship fills. Your deposit is 100% Refundable up until the final payment date which is about three months before the cruise, so if you are even semi-serious, place your deposit for your cabin to hold cruise price and special deals!
We will have multiple FULL DAYS of beading while at sea, PLUS plenty of open session beading when you're done with the shore excursions. We seemed to always have gatherings around the ship beading. Remember, these are very relaxed open session type classes. Start whichever project peaks your interest, switch between them. Come and go as you want. Take advantage of all the other great shipboard activities. You are not "trapped" in class! This is supposedto be fun! Bead as much as you can take and then take a break!
Call me at 360.271.1410 or e-mail me for more information or to reserve your space!
March 14 - 28, 2021 on Celebrity Millennium
We've got an amazing deal for this cruise on the Internationally Award winning cruise line Celebrity. Their clean lines and modern decor are both relaxing and luxurious. Come along for this once in a lifetime adventure combing our love of beading and trave!
Click here to learn more! Amazing early booking discount available. Cabins starting at just $1860 a person for 15 nights / 14 days!
NEW!!! Travelling Bead Board MINI-DESIGNER
I've listened to your requests and here it is! The new MINI-DESIGNER.
12 square spaces to hold more beads or larger beads, up to an 8mm width will fit with the lid on, and one long space for your needles. A compact design
that easily fits into your purse or carry-all.
Beautiful ebony wood lid and pale white oak base
for a great "Yin & Yang" feel.
TBB-4 Mini Designer - 13 Spaces - White Oak & Ebony
4-1/4" W x 7-1/2" L x 1" H ...............................
$25 ...
Show Schedule & Teaching Dates
Check out the 2019 Show Schedule to see where I'm going to be. Come see me at the stores and shows and take a class, see the new designs and more! New bracelet and necklace designs for classes. I have a busy teaching schedule at multiple stores, so don't miss me when I come to your area!
Bead Boards
All boards include binder clips to hold on lid. If you have problems with your hands, you can also pick up the self sticking velcro straps and use at least two straps, one for the length and width to hold it shut.
TBB-1 Original - 36 Spaces
7-1/2" W x 9" L x 1" H
Color: Bamboo Base / Cognac Lid
$35 ...
My favorite still. The smaller spaces actually make it easier control your beads.
TBB-2 Designer - 32 Spaces
7-1/2" W x 9" L x 1" H
Color: White Oak Base / Ebony Lid
$35 ...
This combination is for seed beaders and stringers using larger crystals, pearls.
TBB-3 Mini - 19 Spaces
4-1/4" W x 7-1/2" L x 1" H
Color: Bamboo Base / Cognac Lid
White Oak Base / Ebony Lid
$25 ...
TBB-4 Mini Designer - 13 Spaces
4-1/4" W x 7-1/2" L x 1" H
Color: White Oak Base / Ebony Lid
$25 ...
NOTE: Not all designs are available in all colors. If you have a choice it will show up in the shopping cart or see descriptions to the left.
Interested in Beading & Art Retreats?
I'll be planning more mini art and beading retreats summer 2016 in the beautiful Skagit Valley in Washington State. To find out more click here or sign up for my beading retreat newsletter.
The mini Art Retreats will be open sessions. Enjoy working inside or outside overlooking Padilla Bay. You can learn anything I have kitted in my studio or pulled from my HUGE bead stash, OR you can bring a beading project you've needed help with! There will be beading, applique quilt designs, and who knows what else available by then for you to explore and create!
Having Fun with Applique
Art Quilt Designs!
I have new ones on the drawing board and samples on the way. Click here to see the quilt designs. If you have a pattern idea e-mail it to me. If you want your fluffy buddy imortalized in fabric, I do custom designs, .75 cents per sq. inch., portrait with placement and color code chart. If it's one I'd like to use as a design for retail and it's okay with you, you will recieve the pattern for FREE! Just e-mail me several pictures of your furry friend close up and in action, and his/her name and a little about them. It helps me capture more of their personality.
Join me on Facebook!
I've been posting new pictures of designs
and I'll be blogging a little on
my travels as I get on the road.
Just search my name "Amy Loh Kupser" in Facebook and
send me a Friend Request!
Private Teaching...
As I travel cross country, if I'm passing
through or fairly close to your town I offer private classes.
Minimum students 4 and I need a place to park my RV, and 110v
power for free, in front of your house works just fine! I don't
charge for my travel or stay, since I was coming through anyway. Contact
me in advance to find out if I'll be anywhere by you, or
look at my schedule and you can sort of figure out where I'll
be and around what dates. Click here to see what classes are available and the prices.
Classes at Shows
Keep checking or sign-up for my e-mail
newsletter to be the first to know where I'll be and to get
free tickets (not all shows give us tickets though but I'll post
when I have them and for which ones)! Plus new classes to be
added at the trunk shows and crafting shows.
August 18 - 23, 2019
Call to reserve your space early!
Only 5 spaces left!
Returning to the Tetons! An amazing place to get your creativity flowing! The studio is nestled in the valley at the base of the Tetons surrounded by the Carribou Mountain range we're surrounded by beauty! Don't wait too long to reserve your space!
This is a busy time of year in the valley. Music and Art Festivals plus the Yellowstone & Teton National Parks!
Click here to learn more or to reserve your space!
September 28 - 29
Bling Fest 2019
San Antonio Garden Center
3310 N New Braunfels Ave. San Antonio
October 22 - 26 :: Trunk Show & Classes
The Bead Studio
Rockport, TX
October 31 - November 3
International Quilt Festival
Houston, TX
July 17th - 24th, 2020
10-Day Alaska
Bead Cruise
Celebrity Cruise Line ::: Celebrity Millennium
Join us aboard the ms Noordam to cruise up into some of the most beatiful landscapes in the world. Serene mountains coming up from jade green glacial waters.
We'll be cruising north up through the Inside Passage,
visiting Ketchican, Juneau, Skagway and Glacier
National Park, spending two days in Denali National Park then ending in Anchorage Alaska!
No pre or post cruise excursions planned for this trip as we're spending the extra days in Denali! Some of the most amazing wilderness left in the world.
Call me at 360.271.1410 or e-mail me for more information and to get on the list to contact as soon as the dates are released. There is a max of 24 beaders, but open to as many non-beaders who wish to come along. So if you have any friends or family who have been wanting to do this same cruise, they can save between $200 - $600 pp for a $75 reservation fee.
March 14 - 28, 2021
14-Day Hong Kong, China
& Japan Bead Cruise
Celebrity Cruise Line :: Celebrity Millennium
We're headed to the shopping mecca of Hong Kong then into China to get a chance to experience Taiwan, Shanghi, and multiple ports in Japan during the Cherry Blossom Festival time.This is a dream vacation that combines our love of beading with seeing some of the wonders of the world
Click here to learn more about the cruise
Now is the time to get your reservation in. Call me at 360.271.1410 or e-mail me for more information. There is a max of 24 beaders, but open to as many non-beaders who wish to come along and get the same great group rate on the cruise, so if you have any friends or family who have been wanting to do this same cruise, they can save between $200 - $600 pp for a $75 reservation fee.
There is a special promotion right now saving you $200 pp on the fare for a NON-REFUNDABLE deposit. Choose which way you'd like to reserve your cruise when you register. I will be calling to confirm.
All rights reserved ~ Copyright ~ Amy Loh-Kupser ~ i-bead.com ~ i-stitch.com ~ 360.271.1410


text: Discover The Strategies That Will Increase Your Productivity Significantly!Start being more Productive! Stop doing what doesn't work and start implementing the best strategies available to live a much more productive and fulfilling life! There are skills, strategies, and techniques that the most productive people on the planet use daily to greatly increase their success potential. Just from making a few basic changes in your life, you too can be much more productive and getting things done like a Pro! Here Is A Preview Of What You'll Discover...The Intelligent Ways To Drastically Increase Your Performance and Productivity LevelsHow To Organize Your Life For Peak Performance Great Ways To Naturally Increase Energy Levels To Optimize Your ProductivityHow To Get Yourself Inspired and Motivated To Get Important Things DoneThe Best Time Management Techniques For Increased ProductivityHow To Beat ProcrastinationThe Best Productivity Boosting HabitsThe Top Productivity Boosting ToolsBeing More Productive At Work and at HomeMuch, much more!What are you waiting for? If you are still reading this you are obviously motivated to get all the benefits this book has to offer. Stop thinking and take ACTION. Buy It Now


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The United States Program on Cancer, 1975-2003: A Dismal Failure by:Anthony and Ipatia Apostolides
It seems to us that we are living in a cancer epidemic in the United States. Both of us have lost parents to cancer, and we have been losing more and more relatives and friends to cancer. Based on our own sad experience, we were driven to carry out research on the impacts of cancer in the U.S. over the period 1975 to 2003. This study assesses the U.S. cancer program, as guided by the National Cancer Institute, by examining three basic measures of that program: 1) the cancer incidence rate; 2) the cancer mortality rate; and 3) the probability of getting cancer for an American male or female in their lifetime. The basic data series were obtained from NCI's SEER (Surveillance, Epidemiology, and End Results) program. The result of our research was a paper (52 pages), and this is a synopsis of that paper. The paper in its entirety is available on the web: http://www.geocities.com/cancer_paper
The findings of our research on the impacts of cancer on Americans are grim and shocking. Since 1975, the effects of cancer on people has been continuously and steadily worsening - with the following dismal outcomes of the three measures:
Cancer Incidence
The reported age-adjusted cancer incidence rate of Americans getting cancer in 2003 was 460 people per 100,000. This was in stark contrast to 400 people per 100,000 in 1975. This reveals a significant worsening of cancer incidence in the U.S. over time. In actual numbers, this means that 1.3 million Americans got cancer in 2003 as compared to 864,540 in 1975. This bleak situation is even worse because of the delays in the reporting of cancer cases (Clegg et.al., 2002). As a result of these delays, the reported cancer incidence in 2003 is an underestimate of the correct incidence, which we have calculated to be 494 per 100,000 people getting cancer; and the total number of Americans getting cancer now increases to 1.4 million people.
Over the period of analysis, 1975-2003, the reported cancer incidence rate increased at an average annual rate of 0.5 percent. This positive growth rate means that the number of people diagnosed with cancer every year was increasing faster than the population of the country. Moreover, this rate will be higher with the adjusted incidence numbers for the delayed reporting of cancer cases (particularly for 1993 to 2003). In addition, the total number of Americans affected by cancer increased every year (1975-2003) by 1.6 percent (also an underestimate).
Cancer Mortality
During each of the 25 years since 1975 - until 2001 - more Americans died from cancer, per 100,000, than in 1975. Also, many more Americans died from cancer in 2003 - 553,244 - than in 1975 - 430,002. Furthermore, we surmise that the number of cancer mortality rates reported by SEER/NCI are underestimates due to the likely misses of cancer death cases when they are marked in the IMMEDIATE CAUSE section of the death certificate rather than the UNDERLYING CAUSE section; this shortcoming can be a substantial one.
It is a very disturbing fact that the number of Americans who have been losing their lives to cancer, in the 1990s and the 2000s - on a daily basis - reached the count of a World Trade Center tower at 1,500 people. This number translates into 63 Americans dying from cancer every hour of the day - which means 1 American dies from cancer every minute. These are indeed grim statistics, attributable to the failure of the cancer program.
The total number of people in the U.S. who lost their lives to cancer also increased annually at a rate of 0.9 percent (1975-2003). The dismal result of these increases was that at the end of the period, 2003, many more people were dying from cancer than died in 1975.
Over the period of analysis (1975-2003), a total of 33 million Americans were afflicted by cancer. Even this is an underestimate, due to delayed reporting of cancer cases, and the actual number would be considerably higher. During the same period, a total of 15 million Americans lost their lives to cancer. The ratio between these two numbers provides an approximation of those who die in relation to those afflicted by cancer - at 45 percent. Almost half of those who get cancer will eventually die from it.
Probability of Getting Cancer
With regard to one's chances of getting cancer, as of 2002, American males faced a staggering probability that is close to 50 percent of contracting cancer in their lifetime, while American females were facing a 42 percent probability of getting cancer in their lifetime. Moreover, these probabilities have been getting worse over time. By contrast, the probability in 1975-1977 for an American man or woman of contracting cancer was 34 percent. This was already a high number - which became even higher over time. Furthermore, the probabilities - particularly in the 1990s and 2000s - are underestimates since cancer probabilities are calculated from cancer incidence rates and these rates are underestimates as a result of reporting delays.
Cancer in the News
Despite data shortcomings that result in significant underestimates of cancer statistics, the existing cancer data show a dismal situation with respect to cancer prevention and cancer treatment. The grim statistics are typically not depicted in the news media. Over the years, the media has focused on news portraying small numbers of deaths, from diseases like the bird flu, and have ignored the horrendous fact that millions of Americans with cancer have died, and continue to die, from cancer. In addition, they have focused on short periods of time that give misleading results.
Conclusions and Recommendations
If the cancer program worked, positive benefits to Americans would have been shown by a decrease in the cancer incidence rate and the mortality rate, from their levels in 1975. In addition, the probability of getting cancer in one's lifetime would have decreased. That did not happen; on the contrary, the numbers increased across all measures. Even a rudimentary evaluation of the costs of the NCI compared to the benefits obtained by the American people would conclude that it has been a horribly inefficient use of national funds.
A single main recommendation arises from the big and continuing failure of the NCI cancer program: The National Cancer Institute to be drastically restructured and its programs to be significantly changed, in order to develop and make effective programs of prevention and programs of treatment of cancer. The American people have been paying too high a price - with their lives - for an extremely misguided and ineffective cancer program.
Clegg, L.X., et.al., "Impact of Reporting Delay and Reporting Error on Cancer Incidence Rates and Trends." Journal of the National Cancer Institute. Vol. 94, No. 20, Oct. 16, 2002, pp. 1537-1545.
National Cancer Institute (NCI). Surveillance, Epidemiology and End Results (SEER), 1975-2002. http://canques.seer.cancer.gov/
United States Bureau of the Census. Statistical Abstract of the United States, 2006; section on Population.
Clifton Leaf's article on the War on Cancer: http://money.cnn.com/magazines/fortune/fortune_archive/2004/03/22/365076/index.htm
Dr. Samuel Epstein's website on the War on Cancer:
About the author
Anthony Apostolides, Ph.D. has been engaged in research and teaching on health care and other areas of public sector economics. He taught in universities/colleges, and has published articles in peer-reviewed journals. He received a doctoral degree in Economics from the University of Oxford, United Kingdom.
Ipatia Apostolides, B.A. has more than fifteen years experience working in the cancer field. She has co-authored several medical articles related to cancer. She has a Bachelor's degree from Case Western Reserve University, and several years of post-graduate coursework.
2006 Copyright. All rights reserved. Permission is granted to use/copy this article as long as credit is given to the authors Anthony Apostolides and Ipatia Apostolides.


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Two months.
It has been two months since the day that the lives we had known came to an abrupt and shattering stop.
Learning to live and find a new normal without Landon has been the hardest thing we've ever done. Knowing that his beautiful smile and infectious laugh are now only a memory leaves an emptiness that there aren't words for.
The holidays are coming. The first holidays as a family of four instead of a family of five. Christmas shopping for two boys instead of three. Behind everything we do and everything we have to look forward to is the reminder that everything is different now. That no matter what happiness comes, in the back of my mind a voice inside will be whispering, "I wish he was here," or "He would have loved this."
And learning to balance the pain of knowing that everything is different and finding happiness in what we still have has been my internal struggle for two months now.
I refuse to give up. I will not let this disease win. It cannot have everything. Sanfilippo stole my son, literally like a thief in the night, and it will strike again. It will take Blake and we, as the people who love him most, are powerless to stop it.
But I do have the power to say it cannot have it all. It will not steal all our happiness. It can never take away the memories, the love, and it will not take away my ability to continuing creating happiness and memories with Blake and Gabriel. Because if we give up and let the grief overshadow everything else, then it was all for naught. If I don't continue, then Landon's memory, his legacy, and his spirit do not continue either, and that is not an option.
And so, around the one month mark of losing Landon, I made myself a promise. I promised myself that every single day, I would make a conscious effort to find something that brought me happiness or made me smile, even if the only thing I could find that day was "today I didn't lie down and give up. Today I got out of bed even though I didn't want to."
And today I would like to share the thing that makes me smile.
They say it takes a village to raise a child. This is especially true in the world of special needs parenting.
And Landon's village was nothing short of miraculous. He had a large and diverse family that was supportive every step of the way. Through the years of his life, every member has stepped up to be there, and helped us to give Landon a life that only knew tolerance and unconditional love. It was not always easy, but we always made it through together and no matter how dark things got at times, we always found something to smile and laugh about later.
My parents, who helped us through the hardest of times, who provided our second and sometimes our only home. My sister, who moved into our house and helped me raised the boys when I had nothing and no one, and my brother who patiently let his space be constantly invaded and who had to grow up especially quickly as a result of having to accept difficult realities at a young age, we worked together as a functioning unit to make sure Landon wanted for nothing. I could never thank you enough for always, always being there. And not because you had to be but because you wanted to be. I could not have done any of it without you.
When Shawn and I first went our separate ways, learning what it meant to co-parent in a way that always put the boys first was difficult. In time, we found a balance and I can honestly say that I am proud of the place we have gotten to in being a team that had the common goal of making sure the boys were happy. To make sure that every decision we made, no matter how big or small, was made with the singular purpose of doing what's best for them, no matter what that meant for us.
And that's just the tip of the iceberg.
When Jordan came into our lives, he brought with him not only his own unconditional love and support, but also his entire family. A family that looked at all our broken pieces and hardships and loved us anyway like we had belonged to them always. It will always amaze me that someone could come from outside and CHOSE to love us, to be part of the journey, and do it with hearts filled with compassion and genuine love and support. I can't adequately express my deep admiration or love for the miracle that is Jordan. He helped me to become the best version of myself and always pushed me to see good. He kept me strong and kept me sane, and I absolutely couldn't be what I am today without him.
The Bergsruds. Landon's godparents and a set of grandparents that he chose. I know without a doubt that some of Landon's happiest days were spent with Dale and Marilyn. They were always there, sometimes when I had no one else, and they did it from a place of love. Thank you for loving Landon and giving him so much happiness. You will always be a part of our family.
Jann Belanus. Without you, God only knows how long it would have taken to get answers. You are our guardian angel, and for all intents and purpose, a second mother to me. Thank you for always being there and reminding me that I could do this. I know there are times that without you, I couldn't have. Thank you for always seeing the best in Landon, and in me, and reminding me of those things when life seemed too difficult.
And then there's Landon's second family. His school family. Letting Landon go away to school at The Anne Carlsen Center was the most heart wrenching decision we ever made. Letting go and letting him live the fullest life he could was agonizing for a long time. There is no doubt in my mind though, that it was also the best decision we ever made for him.
Because of his time at Anne Carlsen and the amazing people there, Landon was able to learn things we never thought possible and have so many experiences that would have never been possible had he not gone.
There are so many people that contributed to his success and happiness at school that I could write an entire novel thanking them, but please know:
I am thankful for each and every one of you. You loved our boy like he was your own. You were personally invested in his success and happiness. You helped us raise that amazing child and you helped us fill his life with everything he could have ever dreamed of. Thank you, for everything. We will NEVER forget you.
And so, even though today is a sad day, a day marked by 2 months of being without a piece of my heart, I will choose to be happy.
I will be happy about all the lives Landon touched, and about all the beautiful support I am so fortunate to have. And today, that is enough.


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Purchase Price £220,000 - Sale Agreed
2 bed · 2 bath
This unique 2 bedroom first floor flat is ideal if you are looking for a quiet location or stunning holiday home to escape to. Great views across the forest from your very own south facing balcony. To go with it a large lounge / diner, modern kitchen and ensuite to master bedroom tops off this very desirable property.
Full description
TENURE: share of freehold
Matcham Manor Farm delivers the perfect opportunity to create yourself an idyllic lifestyle. Located on the outskirts of Ringwood and surrounded by the beautiful forest this unique property gives a clean crisp modern finish internally with nature right on your doorstep externally.
This 2 bedroom first floor flat is part of a barn conversion developed in circa 1999, it consists of 6 flats in total and this property comes with 25% of the freehold and a long lease circa 999 yrs.
As you drive up to the property along a private lane the scenery that surrounds you is very rare. It sets the scene for the quiet lifestyle that it offers. The Avon Forest surrounds the property from all angles without any interruption from houses overlooking you, giving you all the privacy you require.
At the most southerly point of the main building you ascend the metal stairs up to the front door. As you enter the property your greeted with a home that feels very welcoming. Quirky angles and the fact the rooms aren't a standard square makes this whole property interesting throughout. The entrance hall delivers handy spaces for hanging your coats and keeping the walking boots out the way.
The main living area is at the rear of the property providing you with large sliding doors that open out to the balcony, which is big enough to hold a large table/chairs and a BBQ giving you the ideal location for alfresco dining. The balcony is south facing and the view as the sun goes down is breathtaking and you can often catch a glimpse of the deer running through. The lounge / Diner is of good size with plenty of space to segregate a dining area opposite the entrance to the kitchen if you wish but still leaving a large space for a big comfy sofa and entertainment system all offering the view through the sliding doors.
The kitchen adjoins the living area and has been cleverly designed to interlink with the main living area. A modern kitchen with plenty of worktops and cupboards coupled with integrated appliances to include a dishwasher, washing machine and cooker with eye-line oven. Large french doors separate the main living area with the rest of the property so you can completely shut your self off if desired.
Both bedrooms are at the rear of the property, the Master bedroom is a good sized double room with built in wardrobes and a large En-Suite that consists of a shower and modern accessories. The bedroom has slanted angles giving the room real character and also benefits from french doors that open out. There is the possibility of adding a small balcony here if you wish, making it the ideal place to have your morning coffee. The second bedroom is adjacent and again can hold a double bed which is complemented by further built in wardrobes and angled features. There is an additional bathroom which is a good size delivering a shower over bath and modern suite.
This property really does deliver something very different, an idillic and quiet location with good space, modern features and all within a short drive to Ringwood town or in the other direction the beautiful town of Christchurch. Local amenities are close by but the attraction of this property is that you are tucked far enough away to sit back and let nature engulf you.
The property has been totally remodelled and renovated by the current owners, and is presented to a high standard throughout. Everything runs on electric but there is a specialised boiler which means you have a modern central heating system rather than the normal storage heaters. It has an allocated parking space along with a selection of visitor spaces.
If your looking for a quiet get away, a lifestyle change of gear or just somewhere you can retire to at the end of a hectic day then this property will not disappoint. Viewing is highly recommended to really appreciate the full impact the location delivers.


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Making Tax Digital
Who's the course for?
This 90-minute Live webinar based course is full of background information on Making Tax Digital (MTD) which is going to fundamentally change the administration of the UK tax system plus some steps to help you prepare along with information on how IRIS is preparing for the upcoming changes..
What will be covered?
The session's intentionally a blank canvas and will be tailored to your organisation's needs
The course
- Background: We will cover the aims and goals of Making Tax Digital and how its going to help with information gathering
- What is IRIS doing to implement these changes? IRIS will be ready by the deadline. We will demonstrate the processes in IRIS GP Accounts and KashFlow Accounts when these have been developed and released.
- Legislation Overview: Making Tax Digital will be implemented in 2 stages. The course will cover both stages and the differences between the pending deadlines.
- Getting Prepared: One of the key parts is being ready for this change. This course will give some suggestions of things you need to think about now, and what elements and practices you need to adopt in future
Duration: 90 minutes
Cost: £195 + VAT
Please call us for the latest dates and times availability.
Give us a call on 0330 057 5584 to find out how IRIS training can benefit you and your business


text: Playtime at our house! Erica, as you can see, can stand! This one was a set-up, but she has pulled herself up twice, once in the bathroom and once at a restaurant. Lena's classmate Kanade has come to play, and they in the garden setting up tents and climbing trees, and Amy has made a house for a slater. She still loves bugs.


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Engineering Solutions
Engineering a Solution – Transforming Concept into Reality
It all starts with a conversation. We learn your objectives and from there we leverage our signature blend of resources & knowledge – from LED engineering expertise to custom production capabilities. Supported by a sound understanding of retail marketing, we create an LED lighting solution designed to maximize the visual impact of your retail display.
Manufacturing Products
Engineering & Manufacturing – Commercial-Grade Quality
Unlike many of our competitors, we control the engineering and manufacturing of our LED products from start to finish. Our team of engineers work closely with our planners to ensure that our design meets your objectives. In addition, we use LEDs from top-tier suppliers and partner with state-of-the-art manufacturing facilities. This means you get a commercial-grade LED product of higher quality and greater consistency, with assured success and dependability – guaranteed!
Custom Assembly
Custom Assembly – Making it Work for You
Your lighting project is unique. With this in mind, we manufacture to your specifications and provide in-house custom assembly, when needed. From custom LED specifications to simple connector add-ons and unique configurations, we can create and build an LED assembly that meets your lighting objectives and simplifies your installation. .
Guidance & Support
Being There for You
We provide the consultation and guidance you need to get your lighting project off the ground and provide support beyond delivery of your LEDs and components. From installation guidelines to field training materials to warranty support and answering your unique technological questions, we make it our mission to ensure that you are completely satisfied with our products and services.


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About Me
About Brad
I was born in Maine, a small state in the United States. I grew up in a small town, and then went to college. I have a bachelors and a masters degree in history. I lived in New York City for seven years, talking about history and culture. But I wanted to do something more challenging. My boss said I should I go to Europe. So I did. I moved to Prague in August 2014, and I really like the city. So, I will be here a long time.
I will be happy to tell you more later. But I want to talk about you and your English. Look at my site, and contact me for your FREE demonstration lesson today!
Our First Meeting
In our first meeting, I will see what problems you have, and what you want from me. We will work on your problems and discomfort, and then begin to expand your English skills.
My Style
I like to keep my students talking. We will discuss a topic of your choice, using an article, video, sound, or whatever you want. We will also expand your vocabulary and look at a specific grammar. Below is a common lesson frame:
-A brief conversation, so you are thinking English
-Reading an article or watching a video about a topic of your choice with new vocabulary
-Examine examples of a new grammar and practice how to use it
-A longer conversation about the topic, using the new grammar and vocabulary
-Talk about the next lesson's topic


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So in 2014-2015, I did two Nanowrimos and during those two Nanowrimos I wrote a 100k novel called Dried Roses.Dried Roses is about two women in their early thirties who work at the same school. Rosanna is a psychologist, and Leila is an English Teacher. Leila has had a very rough childhood and seeks Rosanna out to help her. What Leila doesn't know is that Rosanna knew Leila as a child and knows stuff about her that no one knows. Thus ensues, a hundred thousand word novel about friendship, love and recovery.
Now since this novel has been finished since about a year ago,I have edited it. Not heavily admittedly but I have started to work out the rough parts. Yesterday I decided to print out all 185 pages and that I was going to edit it by hand.
I've only just started it, and I accidentally printed out the wrong first half but other than that it's going really well. I really like the fact that I can highlight parts that I don't like, and change them somewhere else. I have a notebook where I write down all my changes and I'm having lots of fun. I've seen lots of authors do this, but I never thought I would do it myself.Printing work out really helps you see your mistakes.
What about you? Do you have a novel, and if you're editing it how do you plan on going about doing it?