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We've discussed what is a reverse mortgage and what are its pros and cons. Now how does a reverse mortgage actually work? We touched on it briefly on another article but in this article, we will take an in-depth look at how reverse mortgage work.
How Does a Reverse Mortgage Work?
In a regular mortgage, a monthly payment is given to the lender for the use of buying a house for a set period of time. For a reverse mortgage, a loan is created that the lender pays to the homeowner. A reverse mortgage works by taking a part of your home equity and turn it into a payment. More or less, its a kind of advance payment on your home equity. The payment you get is usually tax-free. There is interest when you decide to get a reverse mortgage. The interest is placed in the loan balance which means a homeowner won't have to pay anything up front. The homeowner also keeps the title of the house property (Investopedia).
The house is then used as collateral for the reverse mortgage. When the homeowner dies, the funds from selling the house will go to the lender in order to repay the reverse mortgage principal, interest, mortgage insurance, and fees. Any funds that exceed what the homeowner borrowed will go to the homeowner (if still alive) or the homeowner's estate. The heirs may also pay off the mortgage in order to keep the house.
A reverse mortgage is only available to homeowners aged 62 and older. Reverse mortgage main purpose is to help retirees have stable finance during retirement. How much money you can get from the reverse mortgage is determined by your home's value, how much money you still owe on mortgages, other home loans you currently have, and your age.
The older you are the more money you will be able to draw from the loan. The age of the youngest spouse living in the home is the basis for calculating the amount of your home loan.
You can choose between receiving a lump sum, a monthly payment, or a line of credit as payment from the reverse mortgage.
Further reading:
Home Ownership
In a reverse mortgage, you don't have to pay anything for as long you or your spouse live in your home. Only when you and your spouse leaves your home or pass away that the payment becomes due.
When this happens, your heirs are given a choice to decide whether they will buy or sell the house to pay off the loan. The sales from selling the home are used to pay off the loan. Even if your loan exceeds the value of your home upon selling, the loan is still considered paid.
You don't also have to worry about going homeless because you're unable to pay off the loan. The government has laws that protect the homeowners from going homeless.
Take note that the bank does not own your home, as what some people perceive. It's on lien by the bank. Meaning they have a right to your home until you pay off your debt like the traditional mortgage. The bank only has the first claim of the proceeds of the sale but you still own the home.
However, there are also rules you have to follow to keep the loan. You must live in the home and it must be your primary residence. You also have to pay its insurance, mortgage, and other fees. You also have to keep the house well-maintained.
Reasons for You Take Out Reverse Mortgages
You can use a reverse mortgage as a means to pay and clear your existing mortgages, home equity loans, and other debts.
You can also use it as a fund to draw money in case of unexpected expenses like medical, home repairs, or helping out a family member.
You can also use a reverse mortgage to add more funds to your retirement.
A good reason to take out a reverse mortgage is that it serves as your direct draw for funds without having to compromise your other financial investments. This means your passive income won't have to be affected for your retirement.
Do Your Own Research
There are tons of resource material you can get from the internet regarding reverse mortgages. As advice better check out first government websites like the Federal Housing Agency and Consumer Financial Protection Bureau about reverse mortgages. Or you can check out the NRMLA website. They have a sitemap which guides you on the steps to follow when taking out a reverse mortgage.
And don't worry, before taking out a reverse mortgage, you are required to take a counseling session with a certified reverse mortgage counselor in order for your application to be accepted. Lenders are required to give out a list of various reverse mortgage counseling agency. It's up to you to schedule a session with one and you have to pay the fees. To avoid scams, if the lender tells you not to go on counseling or tries to push you to pick an agency of their choice, then there's a high probability that it's a scam.
To help you out, here is a link to a list of certified HECM counselors
To have additional security, you can consult with your personal lawyer or financial advisors. They should be more knowledgeable about reverse mortgages.
Reverse Mortgage is a great financial tool to have but also keep in mind that there are other options also. You may want to leave your home to your children when you die and taking out a reverse mortgage may make it difficult for them to inherit it.
There are other options you can choose from offered by financial institutions or the government. Reverse mortgages aren't for everyone, especially if you have high mortgage payments.
Keep your options open and remember to consult reverse mortgages expert and financial advisors before taking out a reverse mortgage.


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MONDAY, June 26, 2017 (HealthDay News) -- Heavy drinking appears to cause biological aging at a cellular level, according to a study presented at the annual scientific meeting of the Research Society on Alcoholism, held from June 24 to 28 in Denver.
Researchers studied 134 alcoholics between the ages of 41 and 85 and a control group of 121 age-matched individuals who weren't alcoholics.
DNA samples revealed that the alcoholics had shortened telomeres. "Telomeres, the protein caps on the ends of human chromosomes, are markers of aging and overall health," study leader Naruhisa Yamaki, M.D., a clinical fellow at the Kobe University Graduate School of Medicine in Japan, said in a news release from the Research Society on Alcoholism.
"Our study showed that alcoholic patients have a shortened telomere length, which means that heavy drinking causes biological aging at a cellular level," Yamaki said. He added that it's important for people to understand that heavy drinking causes telomere shortening, because "awareness of this fact provides important information necessary for people to live healthier."
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subset: commoncrawl


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The Anti-Counterfeiting Trade Agreement (ACTA) is a multinational trade agreement which will set up an additional international legal framework for strengthening intellectual property rights protection. The ACTA treaty, through its statutes, aims to crack down on counterfeiting, generic medicines and, intellectual property rights infringement of contents on the internet.
The treaty has so far been signed by Australia, Canada, 22 member countries of European Union who later declined their consent, Japan, Mexico, Morocco, New Zealand, Singapore, South Korea, and the United States.
The ACTA treaty will come into force after ratification by 6 countries, in the countries where such ratification of the treaty has occurred.
Organizations around the world who have interests in intellectual property rights and trademarking consider the treaty to be the essential response to the increased infringement of intellectual property rights, counterfeit goods trade and piracy of copyright content.
Civil rights groups and other organizations that represent citizens and non-governmental interests, however, point out that the root of ACTA is corporate greed and the treaty as such can hinder freedom of expression and privacy of the citizenry.
Doctors Without Borders criticized the treaty as a potential threat to the availability of generic medicines to developing countries and thus making life-saving drugs expensive and inaccessible in these countries.
Civil rights groups across the world have called out the treaty and the nature of its formulation, whereby civil rights groups and the general public had been kept in the dark about the negotiation process, for policy laundering by organizations with vested interest in the matter.
The enforcement of the trade agreement in New Zealand could possibly control the counterfeiting of physical goods in the country more effectively. This would have a significant economic impact on New Zealand organizations that are potentially affected by counterfeiting operations.
The trade agreement can also potentially control illegal software piracy in the country, which will directly benefit New Zealand companies in the sector.
But the underlying question here is whether we should hold the good of few organizations to be more important than the good of many.
Impact on Democratic Process Due to Transparency
New Zealand has during the past formulated copyright laws to protect intellectual property through due democratic process with public participation and deliberation. The lack of transparency in formulating ACTA threatens to undermine the democratic process of the country that has put its own copyright laws into effect.
A treaty negotiated behind closed doors without due democratic process can adversely affect the best interests of the general public and organizations, as it may lead New Zealand to redraw the democratically formulated laws without public consultation, thereby significantly benefiting foreign interests.
Impact of a Balance Shift
The ACTA treaty if implemented in its current form will adversely impact the current balance and fairness of copyright laws formulated in New Zealand.
The current intellectual property protection laws in New Zealand balances the interests of the copyright holder and the user of the copyright. Such balance has been established to check the proliferation of monopolies and its adverse effects on the economy and public of the country. In its current form, ACTA shifts the balance in favor of the copyright holder, which means the public will end up having to spend more on those products or services.
Impact of Enforcement Fairness
ACTA also shifts the balance of enforcement of intellectual property right laws to ISPs and third parties. Current and proposed New Zealand copyright law stipulates that the ISPs and third parties are immune to liability claims if they are merely hosting copyrighted material and do not deliberately infringe copyright laws. With the shift as proposed by ACTA, the financial burden of safeguarding copyright would fall on the ISPs and third parties. This will have a grave economic impact on New Zealand companies.
Impact on Value Creation
The fast-paced innovations in technology sector require that in the modern world innovators need to sequentially build on innovations that have already been produced by other organizations or individuals.
Stringent measures as stipulated currently in ACTA can adversely affect this process and therefore affect the innovations that come out of New Zealand. Copyright laws are in place, not to facilitate monopolies but to facilitate incentive for innovation. But when it is used against the very purpose for which it is formulated, it just helps build monopolies. Behemoths in IT or pharma can use the provisions of the trade agreement to stifle competition and innovations coming out of New Zealand.
Impact of Protectionism
The ACTA treaty is in effect a protectionist measure to benefit the interests of a few companies while overlooking the interests of the general public of New Zealand. The significant question here is, whether we should be allowed to challenge the existing business models and protect the open standards of the internet which is vital as a space for innovation.
This has the potential to impact the future of the startup space in New Zealand while incumbent companies will further their economic stronghold over the common man.
Impact on Current Copyright Terms
ACTA could potentially make copyright duration longer in the country. This would mean that New Zealanders would eventually pay many more additional years of royalties, depending on the nature of the content in question.
Impact on Technological Protection Measure (TPM)
Current laws in New Zealand also allow one to circumvent TPM thus enabling one to watch legally purchased DVDs from other regions or even to unlock iPhones belonging to another region. There will be an effective stop to these practices with the enforcement of measures stipulated in ACTA, thus significantly impacting the general public.
A trade agreement in all fairness should be economically beneficial for its member states and the general public who should ultimately be the beneficiaries of any such agreement. Such economic benefit for the country comes through tough negotiations with the interest of the public in mind and not a few organizations.
With ACTA, one can easily see that tough negotiations have not taken place to safeguard the best interests of the public and the interests of New Zealand's economy, rather the enforcement of the terms of ACTA will eventually undermine the laws put in place through democratic participation.
And when democratic participation in lawmaking is undermined the losing side is almost always the general public and the economy of the state.
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65 as of this update. (5/16/2018) Where did the time go?
Still unabashedly devoted and in love with her husband.
A retired school teacher.
A latent farm girl who has much to learn.
Transplanted from California to Alabama, but has lived in the south before.
An ex-Military girl who was stationed in NAS Pensacola.
A proud owner of her dogs Buddy and Noodle.
Having a blast raising her chickens, and geese.
Going to have to get a another cat to kill the mice who come to live in the shed because of the chicken's feed. Our neighborhood seems to be a little low on cats these days. Something in the woods is taking them out…
A gardening enthusiast, who has suddenly found gardening to be hard! (Much to do and lots to learn) I think I'm getting the hang of it! 🙂
An avid book collector and reader of same.
Likes to hike, bike, and explore new places.
Finding her way back to the Godly life and learning to trust Him for all her needs.
Feeling blessed that He has provided me with all of the above.


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Full S/S Cutlery
Plastic handle Cutlery
Kitchen Utensils
This July, we made an test of LFGB standard for our hot selling coated cutlery set, with sensor test, 21 terms test and safty test for human. To approve the new technology is no harm for healthy.
All Rights Reserved 2015 Shenzhen brilliant industry Co.,ltd


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Ghost Recon: Wildlands hasn't even made it to its release date yet, and the tactical shooter has already upset the country of Bolivia due to the somewhat lurid and unsavory way the area is depicted in the game. As a matter of fact, the South American nation is so unhappy with Ubisoft for the way the country is portrayed in Ghost Recon: Wildlands that the Bolivian government has filed a formal complaint with the French embassy, as France is the publisher and developer's country of origin.
For those unaware, Ghost Recon: Wildlands is a fictional account of a fearsome Mexican drug organization known as the Santa Blanca cartel enters Bolivia to turn it into a "narco-state" and manages to place roots of power in the government and hold sway over the country's population. According to Bolivia's interior Minister Carlos Romero, such a premise unfairly portrays the country, which could give the South American nation grounds to take legal action, with the government official saying, "We have the standing to do it [take legal action], but at first we prefer to go the route of diplomatic negotiation."
Ubisoft, on the other hand, has stressed that Ghost Recon: Wildlands is simply a work of fiction, and it is not intending to be an accurate representation of the current state of Bolivia at all. While this may be the case – and it definitely comes off as the likeliest explanation – the Bolivian government doesn't seem to be taking the publisher and developer's use of its country in the game lightly, which has caused Ubisoft to release an official statement to Reuters, saying:
"Tom Clancy's Ghost Recon Wildlands is a work of fiction, similar to movies or TV shows. Like all Tom Clancy's games from Ubisoft, the game takes place in a modern universe inspired by reality, but the characters, locations and stories are all fantasies created solely for entertainment purposes. Bolivia was chosen as the background of this game based on its magnificent landscapes and rich culture. While the game's premise imagines a different reality than the one that exists in Bolivia today, we do hope that the in-game world comes close to representing the country's beautiful topography, and that players enjoy exploring the diverse and open landscapes it moved us to create."
At the moment, the French embassy in La Paz has yet to respond to Bolivia's complaint, but it will be interesting to see what the European country has to say regarding Ghost Recon: Wildland's depiction of the South American nation. With any luck, this situation will be resolved amicably. Plus, for the sake of Ubisoft, it will be settled before the game's launch next weeek.
Ghost Recon: Wildlands is set to release on March 7, 2017 for PC, PlayStation 4, and Xbox One.
Source: Reuters


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Wealthsteading sing along
Podcast: Play in new window | Download | Embed
https://media.blubrry.com/wealthsteading/p/www.wealthsteading.com/podcastepisodes/wsp_235_170702.mp3Podcast: Play in new window | Download | EmbedEpisode 235: To celebrate the podcast's 3rd anniversary and just to have a little fun…I've set some market commentary and wealth building principles to music. Sit back, relax and sing along. ————————————————————– The Robots are Coming: A Human's Survival Guide to Profiting in the Age of Automation available at AMAZON and all… Read more →


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Streak snaps with narrow Temple loss
PHILADELPHIA – With both the Rutgers and Temple women's basketball teams streaking in opposite directions heading into McGonigle Hall last night, something had to give.
The Scarlet Knights entered the game off a trio of blowout wins in their previous three games, while the Owls entered on a two-game skid.
With a pair of streaks on the line, both squads found themselves in a battle, and after a frantic affair, Temple (3-4) sent the Knights (4-3) home with a 60-58 loss, beating head coach C. Vivian Stringer's team for the second straight season.
"There were good things, and there were enough negatives," Stringer said. "As I shared with the team, I felt this would be the first real test since we played Stanford. Hopefully we learned some things, but it would be nice to learn and win."
With 45.7 seconds on the clock, sophomore guard Erica Wheeler laid the ball in after a crafty drive to the basket, tying the game at 58.
Following a pair of failed possessions by both squads, Temple guard Shey Peddy drove up the left wing and took a Wheeler foul to head to the foul line with 2.3 seconds remaining.
Peddy sank the first, headed to her bench after Stringer called a timeout, then went back and made the next one to seal the victory.
"If I could do it all over again, I'd probably play a zone, but because we are not nearly as quick as we need to be they were much too quick and they kept coming in," Stringer said. "Obviously we did what we had been doing all day, leaving them open and not moving our feet. I think I could have protected that if I went into a zone."
Junior guard Khadijah Rushdan rattled off consecutive baskets to bring her squad within a basket after the Owls built a six-point lead at the 3:09 mark, following a 3-pointer by Qwedia Wallace and a layup by Peddy put them on a 5-0 run.
Both were left open for 3-pointers countless times in the game, as the Knights struggled to figure it out on the defensive side of the ball.
"There were several times where we were just not able to execute because we did not have people in the right place," Stringer said. "The big thing for me is that I'm disappointed with the defense."
Peddy and Wallace won the battle against the Rutgers backcourt of Nikki Speed and Rushdan, finishing with nine and 13 points, respectively.
Neither Speed nor Rushdan seemed themselves in the contest, and while both made their handful of big-time shots, each lacked aggressiveness and finished with a combined 17 points.
Both squads traded buckets the entire second half, and sophomore Monique Oliver came alive to start the period with six points in the first six and a half minutes after a scoreless first half.
But the surge was not enough, as Temple held forward Chelsey Lee to just four points in the second half. Though she went cold in the second half, Lee recorded one of the best games of her career with 15 points and eight boards, but it wasn't enough to get a victory
The Knights fought from behind for nearly the entire second half, as Stringer's squad did not lead in the period after holding a one-point advantage with 14:40 on the clock.
And yet again this season, Rutgers was bested on the glass, 31-26, allowing 14 second-chance points to the Owls off of their 13 offensive boards.
"We had four offensive rebounds, and these are team stats," Stringer said. "I have never seen that in my life."
The Knights knew before they got on the bus to Philadelphia that Temple's backcourt of Peddy and Wallace would be difficult to contain, but couldn't do anything about it come game time, as the pair went into the locker room with 15 combined points.
The guard combo displayed its quickness repeatedly, as Stringer's defense continually got beat down court for open 3-point shots.
Wallace finished the first half with 10 points — six from beyond the arc — and showed her burst no better than at the 4:44 mark, when she crossed over Wheeler at the top of the key to split the 2-3 zone and get in the lane for an easy layup.
Rutgers' guard play lacked greatly in comparison to the Owl's in the period, as Rushdan committed two offensive fouls and landed a spot on the bench for much of the first half after converting just one jumper two minutes into the game.
Lee carried the Knights down low in the period with 11 points and six rebounds, while Oliver registered just one shot attempt.
The Knights head back to Piscataway looking to remain perfect at home against Central Connecticut State on Sunday afternoon, but before then Stringer and Co. will go back to work searching for the answers to their defensive miscues.
"You can play defense — if you can't play nothing else, you can play defense,' Stringer said. "Defense is grunt work, it's just the extra steps you have to take you just have to work on defense. You've got to want to do it, and you've got to believe that that's what causes you to win."
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28 Google Pixel 3 Wallpapers Ready For You To Download
Google's upcoming flagship phones, the Pixel 3 and the Pixel 3 XL aren't due to be announced until October 9th, however the 28 wallpapers that come bundled with them are already available.
They're available in this Google Drive folder (thanks to MySmartPrice). If you wish to download and use the Live Wallpapers on your Android device then you'll need to download the .apk that's also in the Drive folder, and activate them through Google Wallpapers on the Play Store.
Check out a selection of the wallpapers below and head here to download all 28.
Want some exclusive content? Join the UltraLinx mailing list here.


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Power Inverter, or Inverter is a kind of transformer with widely application, by transfering DC into AC. It can generally be divided into Modified Sine Wave or MSW Inverter or MSW and Pure Sine Wave or PSW Inverter. We
By connecting power inverter, electric devices and household appliances can be used outdoor or in the car where no main power.
When choose a power inverter, please make sure about DC input votage from your battery (12V/24V), AC output voltage to your device(110V/220V), last but not least, total wattage of your devices.
If you have a question about a power inverter, please don't hesitate to contact us. We will be more than glad to help you.
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NXT-ID (NXTD) – Increasing Intrinsic Value (IV) Estimate After Company Completes New Accretive Financing Round
SoundView Technology Group: NXT-ID (OTCQB: NXTD) has effectively raised an additional round of capital that will come in two tranches — $1.35M less expenses up front and another $4.4M from likely warrant exercises. The proceeds will aid the company in further development and the commercial launch of their innovative digital wallet (The Wocket).
In an unusually shareholder-friendly move founding members of the management team elected to surrender shares to offset the additional shares need for new investment capital. Few, if any, company managements go to such lengths to put shareholders first.
Thanks to this decision an adjustment to our intrinsic valuation (IV) model results in an increase from $10.93 (published in December 2013) and our new IV estimate of $11.51.
Market forces continue to favor adoption of digital wallet technologies and NXT-ID is certainly one of the leading contenders for what will be a commercial market in 2014.
Our report is available here: s3.amazonaws.com/Published_Research/NXT-ID_JAN_2014
About SoundView Technology Group:
We are an independent advisory and research firm specializing in emerging technologies as they reach commercialization. Our proprietary research and modeling work provides valuable information for company management teams and investors in these emerging opportunities. We regularly publish our findings across a variety of channels including all the major retail and institutional information outlets. SoundView is based in Boston, Massachusetts with locations in New York and Connecticut.
About The Wocket™:
The Wocket™ is a next generation designed to replace all the cards in your wallet without draining your cell phone's battery; no smart phone required. The Wocket works anywhere credit cards are accepted and only works with your biometric stamp of approval. http://thewocket.com/
About NXT- ID Inc. – Mobile Security for a Mobile World:
NXT-ID Inc.'s (OTCQB: NXTD) innovative MobileBio™ solution mitigates consumer risks associated with mobile computing, m-commerce and smart OS-enabled devices. The company is focused on the growing m-commerce market, launching its innovative MobileBio™ suite of biometric solutions that secure consumers' mobile platforms. NXT-ID's wholly owned subsidiary, 3D-ID LLC, is engaged in biometric identification and has 22 licensed patents in the field of 3D facial recognition http://www.nxt-id.com/, http://3d-id.net/
For more information: marketwired.com/nxt-id-increasing-intrinsic-value-iv-estimate-after-company-completes-new-accretive
Disclaimer/ Disclosure: The Investors News Magazine is a third party publisher of news and research as well as creates original content as a news source. Original content created by Investors News Magazine is protected by copyright laws other than syndication rights. Our site does not make recommendations for purchases or sale of stocks or products. Nothing on our sites should be construed as an offer or solicitation to buy or sell products or securities. All investment involves risk and possible loss of investment. This site may be compensated by featured companies for news submissions and content marketing. Contact each company directly for press release questions. Disclosure is posted on each release if required but otherwise the news was not compensated for and is published for the sole interest of our readers.


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Hamid Karzai met with UNAMA head
Pasbanan- Kabul:
Hamid Karzai ex-president of Afghanistan met with Tadamichi Yamamoto special envoy of United Nations Secretary general to Afghanistan last evening in his office. According to reports by Hamid Karzai press office, in this meeting Mr. Karzai has discussed security situation of the country and the region and also launching of parliamentary and district council elections were one of the most important issues discussed by two sides.
These issues raised in a time that ex-president Karzai expressed his concerns in a meeting with local elders of Dasht-e-Archi district of Kunduz that US air strikes on Afghan villages will increase peoples hate against US troops based in Kabul.
Developed by Nethub


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Yesterday, the NY Post ran a picture on it's front page of Alex Rodriguez leaving leaving a "Gentleman's Club" with a woman who wasn't his wife. This raised the question of whether or not this kind of story is something the media should cover…or if it was out of line. I don't know that it's out of line…but it's certainly ugly…and not the kind of thing I'd want on my front lawn when I go out to get the paper…or if my kids were to see it. Out of line…well…that's a bit different. What do you think? Is there a line any more for the media. If so…where is it?
Tim Spivey
Dr. Tim Spivey is Pastor of New Vintage Church in Escondido, California. He is the author of numerous articles and one book, "Jesus: The Powerful Servant." A sought after speaker for events, Tim also serves as Adjunct Professor of Religion at Pepperdine University. Tim serves as a church consultant, and his writings are featured on numerous websites, including: ChurchLeaders.com, Church Executive magazine, Faith Village, Sermon Central, and Giving Rocket.
Posted onCategory: Leadership


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Founder HCRC Staffing • Studied at @university-of-delaware
Owner of Health Care Recruitment Counselors, a leading provider of medical and health care industry staffing jobs based on out Philadelphia, PA. Currently, HCRC Staffing is one of hte largets medical staffing organizations in the United States. They currently provide services to all 50 states.Describe what you have done, what you are doing, and the kinds of things you are interested in.
Started HCRC Staffing, degree in Sports Medicine and Physical Therapy, Licensed Chiropractitioner.Describe the most impressive thing you've done.
Health care industry professionals to network with. HCRC can help you fulfill all staffing needs to ensure a seamless interviewing and hiring process.Describe what you're looking for in a company.


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Seasonal Tips
October 6, 2010
Bring on the butterflies and bees
Provide a pesticide-free sanctuary for our pollinator pals, such as butterflies and bees, by growing a diverse variety of native flowers they're particularly drawn to, such as wild lilac, goldenrod, and lemon balm. (Gardens with 10 or more species of attractive plants have been found to entice the most bees.) If you haven't already heard, we're in the throes of a major bee-loss epidemic, which is causing beekeepers in North America and Europe much hand-wringing. Because pollinators affect 35 percent of the world's crop production—and increase the output of 87 of the leading food crops worldwide—extending a little hometown hospitality could go a long way.
October 6, 2010
Make compost from kitchen scraps
Compost like a champ by throwing in your vegetable waste instead of allowing it to be trucked off to the landfill. Known as "gardener's gold," compost enriches soil fertility by giving it a shot of high-powered, plant-loving nutrients. Aside from stimulating healthy root development, the addition of rich and earthy compost also improves soil texture, aeration, and water retention. Why waste your hard-earned cash on commercial products when the real deal is free for the taking? Speed up the process with the help of summer worms or go wriggle-free (if you're the squeamish sort).
October 5, 2010
Harvest rainwater
Adding a rain barrel is an inexpensive and effortless way to capture mineral- and chlorine-free water for watering lawns, yards, and gardens, as well as washing cars or rinsing windows. By harnessing what's literally raining from the sky, you'll not only notice a marked dip in water costs, but also a reduction in storm water runoff, which in turn helps prevent erosion and flooding. Pop a screen on top of your barrel to keep out insects, debris, and bird missiles, and make frequent use of your water supply to keep it moving and aerated.


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Go world class with the ultimate author's website!
Our Insider's Guide ebook walks you through everything you need to build and operate an author website. Learn how to create meaningful connections between users and your author brand!
-Graduated from Lycoming College in Williamsport, PA – BA degree in English
-Served honorably in the US Navy
-Taught high school 'Advanced Writing' course
-Acted in film, stage, and television
-Worked in Sales & Marketing Management
-Own a family business
-Have written eleven books and several short stories (12th book in the oven)
-Writing is therapy for my soul
-Live on The Cumberland Plateau in Tennessee with wife Julie Anne & George the cat
Former sleuth Bailey Crane and lovely wife Wendy are enjoying their penthouse pleasures until a cartel sting operation at their Mexican resort brings chaos and emotional uncertainty into a blurry reality. Wendy is kidnapped, and Bailey faces the demons running loose in his mind as he struggles with his choices. Also President of the resort's… [Read More]
Marcie Madden and Billy Jay Campbell were high school sweethearts and very much in love. Separated by years of military service and advanced education, they reunite and find themselves suddenly in a world of mystery and intrigue. Billy's best friend and co-worker is murdered. Marcie's husband is a law partner with a man of evil… [Read More]
A story inspired by a northern California news account a few years ago … Some of the details in this fictional penning are true. Some of the details are exaggerated and are simply the work of the author's imagination. What is clearly evidenced in this novel is the coldness of a mother's heart and the… [Read More]
Strangers, Jason Priest and Jenny Mason pass each other on a jogging path when lightning strikes… Thus begins a love story with some extra elements – sibling rivalry, a gambling habit beyond sound reason, murder, a grandmother's secret, and a long desert odyssey to truth. Keep the tissues handy! A wonderful love story.
"Joe Public's Political Perspective" is a book of observations from a US citizen who does not apologize for his conservative leanings. However, the author of this book understands that one political party does not hold all the answers to critical issues facing our nation. The current Democratic president, his administration and Democratic-controlled Senate have created… [Read More]
Meet Bailey Crane, a transplanted son of the south. Bailey is an auxiliary detective, has a soft rep business that brings in easy money, and he's a part-time actor. Bailey's got golf, love, money, friends, a hearty life, and he carries an amusing personality with him wherever he goes. He's a rowdy, good looking rogue… [Read More]
A young woman is murdered in a most gruesome way. The authorities have no leads in the case, and Bailey Crane is sought out by the victim's desperate mother. She must know the awful truth of her daughter's death, must come to some semblance of closure. Homicides of young women in other states arouse Bailey's… [Read More]
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Billy Ray Chitwood added a new Book 4 years, 4 months ago
Former sleuth Bailey Crane and lovely wife Wendy are enjoying their penthouse pleasures until a cartel sting operation at their Mexican resort brings chaos and emotional uncertainty into a blurry reality. Wendy is […]


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Is Bundling Good or Bad?
On the one hand, there's a movement (actual example here) to eliminate "bundling" in the cable industry (selling access to all of some medium instead of dividing it into pieces).
On the other hand, other people are worried about the possible lack of bundling if net neutrality isn't mandatory.
Is a debate called for? Or is it a matter of "anything capitalists do is wrong"?


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Level 1
Netherlands, Austria, United Kingdom
Born in the Netherlands in 1971. My journey through life has taken me through various healing and therapeutic modalities and practises including: physiotherapy, haptotherapy, (sexuological) bodywork, (holotropic) breathwork and working with teacherplants. Each of these have their own unique way of healing us and helping us on our journey but not many are as easy accessible and at the same time powerfully transformative as the Wim Hof Method.
I'm not only fully qualified, I continue with a sustained home practise in my daily life which is bears testimony to my commitment to a practise which continues to energize and empower my life.
The thing that makes my workshops unique is that I can offer a package which combines the Wim Hof Method with some of the other powerful disciplines in which I'm qualified, several of which dovetail and complement the Wim Hof Method resulting in a tailormade and very powerful combination of disciplines which enhance the possibility for Real Personal Transformation.
My approach is holistic, client lead and collaborative in nature. I'm well trained in holding space for personal transformative processes. It's my aim to empower others to develop more authentic, useful behaviours, to help in reconnecting them with their own innerfire and to move towards more feelings of wholeness. I build rapport quickly, am compassionate and insightful.
I love engaging with people in the quest for more useful emotional, psychological and physical understanding/behaviours and enjoy sharing my insights, enthusiasm and experiences in this field through my work.
I'm looking forward to meet up with you in one of my workshops.


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Counting Crows concert raises $238,000 for North Bay fire relief
Two recent concerts at Sonoma State University's Green Music Center, one by the rock band Counting Crows and the other by the Santa Rosa Symphony, raised more than $350,000 for North Bay fire relief efforts'
The Counting Crows concert Nov. 18 raised more than $238,500, according to a statement by host The Family Coppola. The sold-out Green Music Center event, also hosted by BottleRock Presents, supported efforts by the Redwood Credit Union's North Bay Fire Relief fund and Sonoma State University's Noma Gives.
"The concert event not only raised much needed funds, but also the spirits of all who were affected by these fires," said BottleRock Napa Valley CEO Dave Graham in a statement. "We are very grateful that Counting Crows and Brett Dennen donated their time to support this incredible show. Music has a special healing power and this evening was a true example of that power."
The Santa Rosa Symphony performance Nov. 20 at Green Music Center, featuring Music Director Bruno Ferrandis, Conductor Laureate Jeffrey Kahane and Conductor Emeritus Corrick Brown, raised $112,000.
The donations received are being distributed to the North Bay Fire Relief Fund, Noma Gives and Community Foundation Sonoma County's Sonoma County Resilience Fund.
"Such an outpouring of support and extraordinary performance by our orchestra and three music directors produced an evening we will all remember," Alan Silow, the Santa Rosa Symphony's president and CEO, said in a statement released by the symphony.
The North Bay Fire Relief fund, in partnership with state Sen. Mike McGuire and the Press Democrat, has raised $22.9 million to date. In addition, a concert performance by the San Francisco Symphony, held at the Davies Symphony Hall in the city Nov. 19, raised more than $75,000 for the Sonoma County Resilience Fund. To donate, go here.


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This fascinating book from retired teacher and local historian Christine Storey is brand new to the shelves in October 2012 and takes us from past to present through photos.
Poulton-le-Fylde through Time gives you 96 pages of contrasts, with views from as early as the early 1800's, replicated in modern colour photos taken from the same spot today. It's only just out with a publication date of October 2012 and a great addition to your own local history bookshelf.
Many of us have our own collection of these type of books – the fascination with the past gets us all at some time, and it's clearly an interest that many people share when you see the number of titles which are in print.
Christine has been interested in the past for many years, long before she started publishing local titles, saying "I've been researching my family tree for 35 years, and always had a fascination with the past. My interest in my own family quickly led me onto finding out about the local area and what the Poulton that they lived in two and three hundred years ago would have been like."
David Wiseman, the Minister of Poulton United Reform Church, started Poulton Historical Society in 1981, which Christine joined as a founder member and later went on to Chair. That only served to fuel her passion for the past, and led to her being approached by Amberley.
Many of us enjoy these kind of pastimes and writing, but how to take it from a passive hobby into something more substantial and actually get a book out on the shelves? "In my case, because of my association with both Poulton Historical Society and also as a past Chair of Lancashire Local History Federation, I've been approached by a publisher each time I've written a book" Christine explained.
"Ten years ago I was approached by Tempest, which led to the publication of 'Poulton-le-Fylde – a History and Guide' which was my first book. Then about five years ago, local company Landy Publishing – run by Bob Dobson of Staining – asked me to write my second book 'Portrait of Poulton' and then last year Amberley approached me to produce this new one".
Accuracy, of course, is very important when you're committing information to print, and Christine goes through a rigorous process to check everything that she learns. "Talking to people, looking at old photos and finding clues from the past are all a great place to start with your research, but it's surprising how local folklore and long-held assumptions, and often some very interesting things, can often be wrong. As any historian would do, I check and reference everything, and we're lucky to have the Lancashire Archives Record Office at Preston, which is a great place to be able to do this".
A frequent haunt of Christine's, the Lancashire Archives holds all kinds of information, evidence and records, including old maps and tithe maps, parish registers, original documents and all kinds of fascinating windows into the past, going back as far as the 1200's. "The local libraries also hold all kinds of material, some of which might be more current, including old OS maps, and the more modern local history books, so that's also a good source of solid local information too" Christine added.
What's on the pages of the Poulton through Time book was led by the images and views from the past. The best of the collection were put together and then the new photos were taken to match. It doesn't always follow though, that the matching modern shot can either be taken, or is worth looking at! In some cases there's just nothing there any longer, or it's not a good view at all, or it might be too dangerous to take the matching shot, and often tree growth and mature specimens just block the view. In total, it took eight or nine months to complete this new publication.
So what's next for Christine? "I'm going back to my ongoing project and picking up my family history research again, although it's not really something that I ever stop looking at. If anyone has got any ideas for things which they'd like me to look at and research, then I'm open to suggestions!"
The full series of Through Time books including Christine's latest release Poulton-le-Fylde Through Time are available to buy in our online gift shop.
Poulton-le-Fylde Through Time, Christine Storey


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I guess it is safe to say that Dell has been in on a bit of a surprise spree as of late. Earlier this year, the company initiated plans to go private again, a move that it recently completed.
And last month, it surprised the technology world by reviving its old Venue brand.
A few new tablet devices were unveiled under this particular name, and now the Dell Venue 11 Pro has popped up on the company's official web store. Users are invited to place their preorders — however, the estimated shipping date has been set between December 6 and December 13.
So there is a wait of pretty much a month that has to be taken into account.
Anyway, here are the specifications of the device. The base model starts at $499, and gets users a tablet powered by the Intel Atom processors Z3770 paired with 2GB of memory. A 10.8-inch screen with 1920 by 1080 pixels and ten point capacitive touch is part of the package.
Storage is listed at 64GB, with Windows 8.1 as the operating system and Office Home and Student 2013 bundled with every unit. In terms of cameras, users get an 8 megapixel main one on the front, and a 2 megapixel snapper on the front.
Now this, may not be the most potent configuration for power users.
If that is the case for you, then the company also offers several customization options including a choice between the Intel Core i3 4020Y or Core i5 4210Y processors. 4GB or memory is available in this configuration along with Intel GT2 graphics.
Price increases quite a bit for this flavor — $799 for the i3 model and $849 for the i5 powered one.


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Click to be notified when this product is available.
Combine prettiness with practicality with our gorgeous polka dot compact umbrella. The ideal accessory to help add some colour to a grey day, it comes with a fun red and white dot print canopy as well as a quirky wooden duck handle.
Item Code: 31702R- Manual Open- Wooden Handle- Steel & Fibreglass Frame- High Quality Pongee Fabric- Canopy Diameter: 96cm- Stowaway Size: 31cm
Next Working Day Delivery On All Orders Placed Before 2pm
As well as its trend led print and cute handle, our ladies' compact brolly also comes in a handy small size that can be easily folded up and stowed away in a handbag when not in use. It's also supremely lightweight which makes carrying it effortless, yet it's been designed with a strong fibreglass frame to give it extra stability during windier showers.
We offer a next day delivery. International shipping costs are calculated at checkout based on the size and weight of your order.
All orders received before 2pm UK time Monday to Friday are despatched the same day, excluding English bank holidays. Orders received after 2pm, or on a weekend or bank holiday, will be despatched the next working day.
We currently use DPD for delivery.
If you would like to return any items we are happy to provide a refund or exchange within 30 days of purchase. This does not affect your statutory rights.
All goods returned must be in a resaleable condition with original packaging. We may not be able to offer a full refund unless this is the case.
Returns must be sent to this address:
Susino UK LTD52 Evans RoadVenture Point Business ParkSpeke, LiverpoolL24 9PB
Returned items are your responsibility until they are received at our premises.


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When it comes to fishing, people spend large amounts of money on videos and seminars to learn the best techniques. If you lack the funds or just do not have the time to devote to learning this material, the following article offers you some helpful and simple tips that will better your fishing skills.
Consider using a lighted bobber if you are fishing at night. This is a useful tool used by many fisherman. There is a small bulb within the bobber to help fish be more visible when they bite. When a fish is nibbling on the bait it will dance up and down and will alert the fisherman.
Sharp Hook
A sharp hook is essential when it comes to catching fish. If you do not use a sharp hook, it will be very difficult to catch a fish. Be sure to sharpen your hook before you set out on your fishing trip so that you can spend the most amount of time actually fishing.
Give fly fishing a go! Fly fishing is a great activity that has a unique style and is different than any other kind of fishing. Before you try your hand at fly fishing, you must purchase an entirely new set of rods, lures and other equipment.
Be quiet when fishing. Fish are not attracted to loud noises. Move silently, whisper and keep noise to a minimum to keep the fish within your area.
The clinch knot is the preferred method of attaching a lure or hook to your fishing line. To make a clinch knot, thread your line through the hook eye, hold the hook and turn it five times. This allows the line to coil around the fishing line. The next step is to take the end of the line and pass it back through the hook eye and then through the first coil on your knot. To complete the knot, pull the end around the loop very tightly.
Whenever fishing in the ocean, always be on the lookout for signs that fish are nearby. Many times you will notice floating wood or debris. Usually you will see some big game fish over in that location. In addition, if you see seagulls that are eating tiny fish, then it is very possible that there are bigger fish right under the water's surface.
The ultimate goal of fishing is catching a fish. Knowing what you are doing when fishing will increase your chances of success and make your trip more enjoyable. You will be quite impressed by your own capabilities!


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New poll, to run for 10 days: Who should captain World XI for the Test?
Graeme Smith is in line to do it, but who would you prefer to see lead the World XI against Australia? (squad list here).
Ian Chappell questioned Smith's imagination as captain last week. Are you happy with the decision? I'd go for Flintoff, m'self, just for laughs (although I do think he'd make an excellent captain of England's one-day side).
You can vote (and add your own choices) on most pages at the top on the right-hand-side.


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Kicking Motherhood In The Ass Tote Bag (Available in 9 Colours)
A Punky Mom does not subscribe to one parenting style, one political belief or even one type of person, we just believe in empowerment, discussion without judgement and raising each other up instead of bringing each other down.
We are kicking motherhood in the ass!
A brilliant shopper bag to have. These lightweight totes are big enough to fit vinyl records in and baby nappies!
The design is heat pressed on one side of the bag. We support local and print this with a Yorkshire Punky Grandmum.
Now available in 9 colours!
Classic Red, Orange, Pink, Yellow, Kelly Green, French Navy, Burgundy, Graphite, and Black
The Tote bags are made from 100% cotton (140gsm) with a 10-litre capacity. Bag size (excluding handles) 38 x 42cm. Save the environment!
Please note that the bags are not necessarily in stock and are made to order, so please allow up to 2 weeks for delivery. Chances are you will get this sooner.
Any questions, let us know.


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Dear Perfectly Imperfect Girl,
It's hard to remember that we can't be much good to anyone at all if we don't take care of ourselves. Even though there may be people all around us who need help, who need assistance, who need advice, who need a hug, who need a friend, who need a clean towel, who need a sandwich…..we've all got to have the energy to do these things each day, and we can not expect our bodies to carry us forward without recharging. We kind not expect our mind to have fresh ideas and our hearts to have patience. We have to refill ourselves.
Just like we are told on an airplane before a flight…before reaching out to help another, we must have our own oxygen masks on. It is not taking anything away from anyone else when we take some time each day to catch our breath, recharge, restore and remember.
We must.
Take time to take care….you are so important. And you are loved.


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Hit me up(:
The people who always feel the need to correct something.
Hey sexy.would you like to shoot a porno?
It's not a scandal how you are playing us off, it's scandalous! Connect with us!
Sube un video para tus chiquitines
Your interested in group aren't you?
Zap zap 21 98181-6856
Mamy te quiero.follar cuanto me cobras dejame.tu whasup


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AST 1573 - Clearing of the Tenth Heavenly Meridian, Tracker
Just as Qing Shui was about to enrapture Yiye Jiange in another sweet kiss, a mysterious, strange, yet tyrannical wisp of aura rose from Yiye Jiange and entered Qing Shui's body.
As it entered Qing Shui's body, Qing Shui found that his aura began to wildly flare up, quickly harmonizing within his meridians.
After one great circulation, it returned to Yiye Jiange's body, before going back to Qing Shui again.
Yet another Heavenly Meridian was cleared, but this was within Qing Shui's expectations, the tenth Heavenly Meridian!
Qing Shui didn't even have time to sigh in admiration, as shockingly, yet another meridian had been cleared. Of the Twelve Earthly Meridians, the second meridian had been cleared.
He had just cleared one of the Twelve Earthy Meridians recently. To have cleared another one this quickly was unexpected, to say the least. A cultivator's strength, the meridians and his bodies had a massive connection; the number of meridians opened correlates to strength, explosive power, endurance, and physical defense…
Yiye Jiange also looked at Qing Shui in shock. She had also obtained massive benefits, not at all inferior to the ones Qing Shui had obtained. Her face was flushed with embarrassment, her eyes blurred as her blood boiled when she saw Qing Shui.
"I may not be a Drakaina, but I obtained the inheritance of the Drakainas. What we had just done had a similar effect." Yiye Jiange lightly disclosed.
Qing Shui was stunned. He had just heard of the miraculousness of the Drakaina. Their first time would have massive benefits for her partner and the resulting offspring would be exceptional. To think that Yiye Jiange was even more miraculous than a Drakaina.
"My blood is about to boil. I want you as a person, no matter what you are. I just want you to be my woman." Qing Shui lightly kissed her jade nose.
Although the two were stuck in the most intimate position, there was a constant stream of aura being exchanged as Qing Shui activated the Unnamed Technique, and even took the opportunity to teach the technique to Yiye Jiange.
The pair's strength was growing at a visible rate, even without the inheritance of the Drakaina. Yiye Jiange's physique was considered one of the finest, not to mention with said legacy.
As the transfer of Qii began to weaken, the increase of strength also began to lull, but Qing Shui did not care to check the increase in strength and excitedly began to move rhythmically. With a beauty before him, even the sky falling down would be a small matter.
Yiye Jiange's pair of jade legs were like spring vines, tangling Qing Shui. Wet and red cherry lips lightly parting in a soft, tender moan, lost in ecstasy, were making Qing Shui feel as though he was in heaven.
The frenzy in the room continued till the latter half of the night. The physiques of the two were both exceptional, but Yiye Jiange was unable to withstand Qing Shui's strikes and thrusts and ended up being cuddled in Qing Shui's embrace as she slept.
Seeing the satisfied smile on her divine face, so alluring it made one sigh, Qing Shui felt an indescribable sense of satisfaction. She was finally his woman. This was a natural pride, love and raw emotion that could not be described, as if the two melded into one whole, holding her in his arms meant having the world.
The sky began to lighten and Yiye Jiange's eyelashes began to tremble. Qing Shui had not fallen asleep, but seeing that Yiye Jiange had woken up but did not open her eyes, he knew she was merely pretending.
His body moved, which caused the turgid part to be tucked into a wet and compact area. Qing Shui was unable to stop himself from moaning, as this was a heavenly feeling.
Yiye Jiange trembled, tightly hugging Qing Shui as she lightly complained: "It's been a night already. Have you not had enough?"
"I'd never have enough. I want to do this till we're old." Qing Shui flipped their positions and pressed on top of her.
"Our child will definitely be extraordinary."
Qing Shui was hugging Yiye Jiange as he smiled.
Yiye Jiange, still tucked in his embrace, was startled by Qing Shui. "Now that you mention, I do really want a child.", She replied.
Seeing the sheer anticipation in Yiye Jiange's eyes, he remembered how she had raised Luan Luan in the past, so she was practically Jiange's daughter.
"Then we had better work hard at it." Qing Shui smiled. To get his women pregnant required a large amount of time, but it was not a problem at all.
Qing Shui's growth in strength was not insignificant. His bodily strength increased to fifty thousand, which is roughly by a quarter. That alone was already extremely terrifying.
Yiye Jiange had also cleared some meridians, which included two Heavenly Meridians and an Earthly Meridian. Qing Shui and his other women were all similar, though some of them had only cleared one meridian.
This time, Yiye Jiange had also opened up the Twelve Earthy Meridians and cleared one of them. Whether or not she could clear all twelve would be up to fate.
Qing Shui began to recall Tantai Lingyan and Qin Qing. Tantai Lingyan had the Demon King Inheritance. Qin Qing had the Battle God Inheritance. Yiye Jiange had the Drakaina Inheritance, while Muyun Qingge was a Drakaina.
This world was very miraculous; anything could happen. For example, he would've been a demon monster in his previous world, but was considered a normal demon in this world.
He once again skipped on going to the Realm of the Violet Jade Immortal. Only until late in the morning did Qing Shui accompany her out of the palace, while he could sense her immense changes after just one night's time.
Having taken that last step, there were no barriers between the two. Yiye Jiange's wryness and laughter felt incomparably intimate to Qing Shui, as she was his woman now.
They saw Muyun Qingge again. She stared at Yiye Jiange, and perhaps in slight guilt, Yiye Jiange had an unnatural expression on.
"Jiange, you've become so beautiful just after one night." Muyun Qingge curiously looked over at Yiye Jiange before staring at Qing Shui and immediately understood the situation.
"You two have duo cultivated, no wonder." Muyun Qingge said in shock, before turning beet red herself, her gaze at Qing Shui turning slightly strange.
Qing Shui began to feel uncomfortable under her stare, as there was once an awkward moment between them.
"Come to my room. I was just about to look for you to discuss certain matters." Muyun Qingge recovered her spirits as she smiled and said to the pair.
"I've already gotten the new. The Sea Dragon Palace and the Vicious Dragon Palace will begin their assault tomorrow." Muyun Qingge was not too worried as she uttered this phrase. On the contrary, she was even excited.
"When do we clamp down on the Carp clan?" Yiye Jiange ruminated before she spoke.
"If we make a move and control them now, there would be too many repercussions as the carp clan is still vital to the Sea King's Palace." Muyun Qingge's eyebrows wrinkled.
"If we don't control them, and allow them to liaise with the outsiders, our casualties will skyrocket." Yiye Jiange said slowly.
"Then what should we do?"
"It's best to try and get Jin Liyu to stand on our side once more." Qing Shui smiled.
"Although they are not the strongest race, they are certainly one of the pillars of our Sea King Palace, which is why they're unwilling to be suppressed by others." Muyun Qingge lightly sighed.
"Is Jin Liyu important in the Carp Clan? Is this rebellion his idea, or the idea of the clansmen behind him?" Qing Shui asked. He had enough strength to control a single individual.
"Jin Liyu is an astonishing existence in their tribe and has an extremely important position, but this matter of rebellion could not have been decided by him alone. It should be a joint decision by many different branches. Even if we take control, nothing would change." Muyun Qingge could decipher Qing Shui's intentions.
If this was truly the case, then it would be difficult. There was no time, and they needed to avoid striking the grass and alerting the snake. This made everyone feel like it was impossible to do anything. Even exterminating the Carp would not be beneficial. Not to mention that they were not easy opponents.
"There is still a way to reverse this. The Carp has a total of thirteen branches, each branch has a clan member similar to Jin Liyu. If we are able to dictate the fates of these thirteen, they would not make any rash moves." As she finished speaking, Muyun Qingge took out a piece of paper with the names of the thirteen elites of the various branches.
These thirteen were considered youths in the tribe, but they had unbelievable strength, and the sky was the ceiling for them.
"There are legends that claim that these thirteen carp kings are the lifeline of the Carp Clan. Without them, their clan's legacy would deviate, as their bloodline is the purest. If there are no accidents, the continuity of the clan would depend on them.
"As for Jin Liyu, he is the de facto leader of the group, currently slated to be the leader of the entire tribe." Muyun Qingge followed up.
"Do we still have time to control all thirteen of them?" Qing Shui asked, but immediately felt like the chances were minuscule.
"Under normal conditions, there wouldn't be a chance, but I have a device which tracks their whereabouts. If we move now, perhaps we still have a chance." Muyun Qingge smiled as she took out an object.
A tracking device!
In shock, Qing Shui looked at the object Muyun Qingge was holding. It was similar to a crystal ball, shining with light, but Qing Shui could not figure out how to use it.
"This is a memory crystal that gradually developed the function to pinpoint the position of certain people." Muyun Qingge began to explain.
"You are able to search anyone and everyone?" Qing Shui asked out of curiosity.
Muyun Qingge lightly shook her head: "The crystal first needs to memorize the person before it can perform a search."
"How can it memorize?" Qing Shui was increasingly fascinated.
"Anyone within a three-meter radius would automatically be registered and memorized, but it has a maximum capacity, which increases with its level and there are also distance restrictions.
With Muyun Qingge's simple explanation, Qing Shui grasped the gist of the device. This was an absolute tracking device which was simply overpowered. Even if you changed your aura and your face, you would still be easily detected.
"I'll begin the search. Once I've pinpointed their location, we can split up, telling each of them what we already know of their betrayal."
"What if they don't admit it?" Qing Shui said.
"At this point, everyone already knows. Even their refusal to admit would simply be in futility."


text: Saint James Stay Warm With Saint James Posted on October 17, 2018November 1, 2018 by O'Connors 17 Oct Stay warm and stylish, with our latest arrivals from Saint James. Stop by the store today to check out our collection. Stand Out For All The Right Reasons With Tiger of Sweden Looking Sharp This Fall With Circolo


text: We're sorry, Sumptuous, Handmade Velvet Armchair is out of stock Why not try one of these instead? Light Grey Brushed Cotton Easy Armchair by The Orchard £433$816.25€497.47$548.39 Angled Wooden Framed Chair With Woven Seat by The Forest & Co £595$1121.63€683.60$753.57 free UK delivery Bold Monkey Don't Love Me Love Seat by Cuckooland £720$1357.27€827.21$911.88 free UK delivery Beige Velvet Pleated Chair by The Orchard £716$1349.73€822.61$906.81 I'm in! Sumptuous, Handmade Velvet Armchair by The Forest & Co £580$1093.36€666.36$734.57 Out of stock Favourite Favourite Ask Seller View your favourites we're sorry we're sorry, This item is currently out of stock buy a gift card quantity PRODUCT DETAILS For a truly special statement in your home, this gorgeous, handmade chair is reminiscent of a French boudoir. This Armchair is the update your room needs. Introduce striking colour into your home or office with style. Traditionally made, the natural wooden legs with brass caps add a chic, modern look to this soft velvet armchair. Curl up with your favourite book and a cup of tea. We think it will look great alongside our marble and brass side tables for a high-end, yet sustainable space. made from: Mango wood & cotton velvet. dimensions: 75 x 69 x 71cm Weight: 18kg product code: 819448 see more see less DELIVERY This product is dispatched to you by The Forest & Co. RETURNS You have 28 days, from receipt of cancellable goods, to notify the seller if you wish to cancel your order or exchange an item. Please note: goods that are personalised, bespoke or made-to-order to your specific requirements, perishable products and personal items sold with a hygiene seal (cosmetics, underwear) in instances where the seal is broken are non-refundable, unless faulty. Read more about our returns policy.Should you choose to return or exchange your order you will need to deliver the item(s) to the UK, where this seller is based.


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SANTA MONICA—The Santa Monica-Malibu Unified School District (SMMUSD) has recently approved the possible layoffs of six members of the teaching staff, as well as nearly six positions on the nursing staff. On Thursday, February 17, all seven members of the Board of Education met to discuss and ultimately determine whether they would choose to possibly eliminate approximately 11.5 positions. The final result ended in six of the board members voting to approve the layoffs, while only one member voted against it.
Some factors which played a defining roll in this decision are the decline in state funding due to the decreasing number of currently enrolled students, as well as the possible conversion of the Point Dume Marine Science Academy into a charter school. In an interview with Canyon News, Ben Allen, vice president of the SMMUSD Board of Education, stated "If the charter petitioners' request does go through it could cause definite complications with our staffing model."
Also, since the elimination of AB 3623 has occurred, which ensures that children with disabilities are entitled to a free and public education, the district has lost millions of dollars in funding for special education, resulting in the need to terminate staff.
In November 2010, an information sheet regarding an idea called Propositions Y and YY from the SMMUSD stated that "if passed by voters, these two propositions would generate an estimated $12 million per year in new revenue. Half of those funds, or $6 million annually, would be used to support schools, educational, and after-school programs in Santa Monica." Despite these efforts, the district is still in major financial crisis.
According to the 2011-2012 Budget Summary, Governor Jerry Brown's proposal to close the budget gap is intended to maintain funding for schools, fund public safety services at the local level and balance the budget. "We hope that things go well with Governor Brown's plan and that legislature will pass budget," says Allen. "The voters deserve to make a decision."
It is required that the people who are listed in danger of being terminated are made aware and notified by March 15, before the following fall school semester.


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Every authoritarian enemy of freedom has the Church as one of its early targets. Non-Christians be warned: they never stop at just the Church. Everyone's freedom is at stake.
Christian Colleges & Gender Identity. The Next Assault on Religious Freedom?
By John Stonestreet 18th Feb 2016
According to some, including a few folks in government, religious liberty is code for religious bigotry.
You've probably heard of Title IX, the federal law signed by President Nixon in 1972 "that prohibits discrimination on the basis of sex in any federally funded education program or activity." Title IX is probably best known for its effect on women's athletics by mandating equitable treatment with men's teams.
Of course, discrimination against women and girls on the basis of their sex is a bad thing, and so Title IX—though not a perfect piece of legislation—has done a lot of good. But the federal government has a habit of extending legislation beyond its intended reach, and that's what is happening right now with Title IX.
The Department of Education, under pressure from LGBT groups such as the Human Rights Campaign and some legislators, has agreed to create a public, searchable database of Christian colleges and universities that obtained Title IX waivers based on claims of religious freedom.
These exemptions—which, for example, allow religious schools to provide male-only or female-only dorms—have been granted routinely since the law's passage, but all that may be beginning to change. According to a report in WORLD magazine, the HRC has "accused Christian institutions of 'hidden discrimination' for obtaining Title IX waivers."
Meanwhile, Sen. Ron Wyden and several other Democratic senators have asked the department to increase transparency around the waivers because, they charge, the waivers "allow for discrimination under the guise of religious liberty."
To what are these senators referring and why is the nation's largest LGBT group getting involved? Well back in 2014, the Department of Education quietly expanded its interpretation of the word "sex" to include "gender identity." So, absent a religious exemption, schools that want to honor Christ in their teaching and lifestyle standards could be vulnerable to charges of Title IX discrimination if, for example, they tried to deny a male who "identifies as a female" from living in a women's dorm, or participating on a female sports team, or using a woman's public restroom.
Now perhaps I'm being suspicious, but it seems that a public, searchable database like this really has no real purpose other than to "out" those institutions that wish to stand for biblical values. The database would allow people who disagree with their Christian mission to target these colleges for harassment and possible legal challenge. With WORLD, I wonder whether this database is basically just "a hit list of Christian colleges."
Efforts like this undermine our First Amendment rights to freedom of religion, association, and speech—much like we've seen in the ongoing efforts to punish and shut down Christian business owners who refuse to participate in so-called "same-sex" marriages. We've also seen this Administration attempt to force religious institutions, such as the Little Sisters of the Poor and Wheaton College, to provide health insurance in ways that violate their sincerely held religious beliefs.
The Council for Christian Colleges and Universities, and others, are speaking out. "Institutions that have received an exemption are simply following the law," the CCCU told WORLD. "What is unfortunate in this recent development is not that the list of schools that received an exemption is being made public, rather that the exemptions are being portrayed as something nefarious."
What's really nefarious in my book is the attempt to intimidate religious schools for doing nothing other than living up to their own beliefs. As one critic has said, it's shameful.
There is no question that our liberties are under intentional, systematic assault. The question is how the Church and those who value our freedoms will respond: will we defend them? And will we model Christ as we do?
Every child comes from and needs BOTH a mother and a father. Same-sex "marriage" intentionally keeps either a mother or a father from the child. Government should protect the child through upholding traditional marriage.
Comments are closed.
There is "a time to be silent, and a time to speak". (Ecclesiastes 3:7). Now is the time to speak, so please speak up and defend children, truth and freedom.
"What the world needs most is a voice that courageously speaks the truth, not when the world is right, but a voice that speaks the truth when the world is wrong." Fulton Sheen


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Download E-books The Mystical Thought of Meister Eckhart: The Man from Whom God Hid Nothing (Edward Cadbury Lectures) PDF
By Bernard McGinn
From the world's most popular authority on Christian mysticism, the definitive tale of Christianity's maximum mystic, Meister Eckhart, his insights into God, his relation to the culture, and the way he discovered from the ladies non secular of his day.
Read or Download The Mystical Thought of Meister Eckhart: The Man from Whom God Hid Nothing (Edward Cadbury Lectures) PDF
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Extra resources for The Mystical Thought of Meister Eckhart: The Man from Whom God Hid Nothing (Edward Cadbury Lectures)
At that time] there's no entry, there's simply an attainment. "84 In Pr. seventy five a compara ble trend emerges within which Eckhart contrasts the sunshine of the mind with the enhanced mild of grace that pulls an individual into himself. larger nonetheless is the sunshine that's the divine Son being born within the Father's center. "If we're to go into there:' says Eckhart, "we needs to climb from the ordinary gentle into the sunshine of grace, and develop therein into the sunshine that's the Son himself. There we will be enjoyed by way of the daddy within the Son with the affection that's the Holy Spirit . . . . "85 regardless of a definite attribute ambiguity, then, there does appear to be an internal coherence to the Dominican's theology of grace in the back of his at-times opposing formulation tions. 86 in lots of overdue medieval mystics an research in their doctrine of grace may obviously lead into their perspectives on how Christ's grace is mediated to the Christian neighborhood throughout the sacramental lifetime of the church. once more, even if, Eckhart's theology of mysticism seems as anomalous, if no longer precisely subversive. at the floor no less than, there's little ecclesiology or sacramentology in Eckhart. His earliest vernacular paintings, the Talks ofInstruction, does supply a few reflections at the position of the Eucharist and of confession to his viewers of Domini can confreres,8 7 yet even during this paintings, Eckhart insists that outward perform capability not anything with no inward reception. This message was once to develop into extra stated in his later vernacular preaching to a mostly lay, or at top semi-religious, viewers. even though the Dominican's homilies have been solidly anchored within the liturgical lifetime of the worshipping group, as we've seen, Eckhart's uncompromising insistence at the internal appropriation of the saving mysteries had little room for preaching at the sacraments and other kinds of religious perform. 88 One workout of the Christian existence that Eckhart does check with a few frequency is prayer. 89 the following too, as we would count on, his educating is very varied from what we discover in culture and in such a lot of his contemporaries. Eckhart's feedback approximately prayer have been unconventional adequate that of them have been integrated in "In agro dominico" as heretical. the 1st of those, drawn from the statement on John, expresses the center of Eckhartian prayer: "He who prays for whatever specific prays badly and for anything that's undesirable, simply because he's praying for the negation of fine and the negation of God, and he begs that God be denied to him:'90 Prayer, for Eckhart, shouldn't be a peti tion for any-thing from God-that is the paintings of these he refers to as "asses" or non secular "merchants. "91 quite, it's the carrying on with discussion (confabulatio) of the indifferent soul with God on my own: a prayer with out eigenschaften (i. e. , own attachments and concerns); a prayer to and for the Divine not anything. ninety two either the prayers with which Eckhart the preacher concludes his sermons and the 4 prayers ascribed to him in manuscript resources amply illustrate his view of the prayer of detach ment.


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20 Easy Ice Breaker Questions to Make Your Team Stronger
So, you're looking for a way to bring your team closer together. You plan a great team session. You let the team know – but everyone's a little sceptical. You know what you need – an ice breaker!
Ice breaker questions are one of the best ways to help unify a group of people – but beware! Done badly they can be really painful and shut people down – exactly the opposite of what you want them to do.
Whether you have a group interview in mind, a mid-week team meeting, or even a one on one catch up with an employee, a good ice breaker will get people thinking creatively and open up dialogue channels. Once the conversation is flowing, the rest of your talks will not only be smoother but more productive!
What is an Ice Breaker?
Ice breaker games or activities are quick and easy ways for people to get to know each other. When successfully implemented it can help to improve conversation, participation, and warm people up to the prospect of working together. It is also an extremely useful tool to help people who haven't met before to feel more comfortable.
Even if the participants already know each other it can help get them in a team-building mood and mindset.
Downsides to Ice Breaker Activities
Unfortunately, ice breaker questions aren't always done properly. Some are cheesy, convoluted scenarios that make people awkward and self-conscious create barriers, rather than pulling them down. While a good ice breaker will embrace the unique aspects that makes us who we are, a bad one will make people feel vulnerable.
If you are looking to incorporate ice breaker questions and activities into your team building exercises, meetings, or hiring process then here are some questions that can help get the conversations started.
30 Ice Breaker Questions to Get Your Team Talking
1. What was your first job?
2. If you could be any animal, what would you be and why?
4. Where is your dream holiday destination?
5. What was your favourite subject at school?
6. What superpower would you choose?
7. If you had a time machine that could only go one direction would you go to the past or the future?
8. If you could instantly learn a new skill, what would you choose?
9. What was the first record you bought?
10. Do you collect anything?
11. What is your favourite outdoors activity?
12. If you could visit a fictional location, where would you go?
13. What's your favourite type of breakfast cereal?
14. If you were famous, what would you be famous for?
15. What do you identify with more – a river, a lake, or an ocean?
16. If you were stranded on an island, what three items would you HAVE to have?
17. Does your car have a name?
18. What would be the most surprising scientific discovery possible?
19. If you won the lottery tomorrow and didn't need to work, what would you do with your free time?
20. What did you want to be when you grew up?
21. If you could speak a new language tomorrow what would it be?
22. You can make one item unlimited for you forever, what do you choose?
23. What's the first thing you notice about someone?
24. Would you give up – your phone or air con?
25. What qualities do you most admire in someone?
26. Does your name have a meaning?
27. Who is your hero?
28. What's your favourite thing to cook?
29. If you had an autobiography, what would it's title be?
30. What do you want to be doing 20 years from now?
Try these questions next time you have a team activity or use them to make your own! The best part about ice breaker questions is that you'll never hear the same answer twice. Once people are talking freely, you'll find that your meetings and interviews will flow much more smoothly and be far more productive.
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Social conservatism is an ideological perspective on how individuals in free societies ought to respond to matters having to do with moral beliefs or behavior, cultural traditions, religious institutions, or patterns of social interaction generally. It involves the desire to see older norms and assumptions regarding all of these matters to be preserved. Hence, social conservative thinkers either oppose or are cautious about individual innovations in personal habits and preferences, marriage and family arrangements, civic rituals and customs, religious observances, and so forth.
In general, social conservatism reflects the concerns advanced by Edmund Burke, as well as other late-eighteenth and early-nineteenth-century writers who confronted modern revolutionary or democratic movements and transformations, and warned against or tried to moderate the changes being wrought by them. Their arguments were that society is not a social contract between individuals, but rather an organism, a living culture with a specific history and specific classes and customs that must be acknowledged; that social accomplishments depend on maintaining a foundation of traditions from which the members of society draw their inspiration and connection to the past and the future; and that a healthy society is one with both stability and continuity, which only widely accepted, shared, and promoted public values and practices can provide. These ideological beliefs form the traditional core of most socially conservative movements and parties around the world. However, many social conservatives today, while agreeing with these basic insights, have come to premise their ideological perspective on much more explicitly religious (generally Western Christian) doctrines than was the case with Burke and other "traditional conservatives." So thorough has been the merging of the cultural concerns felt by many Protestants and Catholics with the language of traditional conservatism in the United States that the label Christian right often has come to be used interchangeably with social conservatism itself.
Social conservatism in this sense is therefore a much stronger force in the United States than in other North American or western European countries, as the United States is by most measures a heavily Christian country, with high rates of religious affiliation and a frequent reliance on and a broad acceptance of religious rhetoric and arguments in political discourse. (The prevalence of this particular Americanized image of social conservatism around the world often leads various parties and movements that otherwise agree with certain principles of traditional conservatism, especially those associated with the ideas conveyed through the mostly secular Counter-Enlightenment tradition of Justus Moser or Joseph de Maistre, to eschew the label social conservative entirely.) This kind of social conservatism has been a growing presence in American politics and policy debates since the early 1970s, with the controversy over abortion rights, which exploded following the U.S. Supreme Court's decision in Roe v. Wade in 1973 to legalize abortion across the nation, often identified as the real beginning of the contemporary Christian conservative movement. But the ideology of social conservatism has been influential elsewhere as well. Contests over norms and laws regulating or permitting pornography, Sunday commerce restrictions, no-fault divorce, sex education in public schools, access to birth control, state-sponsored gambling, public funding of controversial or arguably offensive works of speech or art, homosexual behavior, and most recently homosexual marriages, have all been arenas in which social conservative thinkers, activists, and voters have been a major influence.
While initially many of these concerns had been seen as the sole and narrow concerns of various evangelical or fundamentalist Protestant sects, through the 1980s and 1990s they became important concerns for many conservative Catholic thinkers and voters as well. The merging of many evangelical and Catholic Christians into one socially conservative cultural and political movement (predominantly but not solely in the United States) had a large impact on not only party allegiances, but also on how the language and ideas of traditional conservatism have been adapted and used to advance various causes. For example, for many years in the United States. both Catholic and "social gospel" Protestant thinkers had seen—in different ways—their moral priorities as requiring an emphasis on progressive or communitarian responses to the problems facing their adherents. In this, American Christians often tended to follow European Christian socialist or democratic patterns (the Catholic church in Europe has long combined socially conservative perspectives on moral and civic matters with a support for social justice in economics). But in recent decades the secularization of American society has, for many believers, pushed those concerns aside in favor of a focus on conserving specific moral or religious norms and practices that often are grounded on common Christian beliefs shared across denominational lines. This synthesis, sometimes called the conservatism, has had some influence on conservative parties and movements elsewhere around the globe, but for the most part this particular mix of concerns under the label of social conservatism remains an American phenomenon.
Social conservatism has had an ambiguous intellectual relationship with the development of neoconservatism in the United States. While some of the "new conservative" thinking that emerged alongside critiques of the social changes and egalitarian policies of the 1960s and 1970s did turn to social conservative ideas to buttress their arguments about the need for cultural standards and stability, not all did, with the result that the neoconservative intellectual camp remains divided between those who are doubtful of the religious tone of much social conservatism and those who embrace populist religious conservatism as a part of the neoconservative project.
- Brown, Ruth. For a Christian America. Amherst, N.Y.: Prometheus, 2002.
- Burke, Edmund. Reflections on the Revolution of France. Indianapolis: Hackett, 1992.
- Himmelfarb, Gertrude. The De-moralization of Society. New York: Vintage, 1996.
- Hitchens, Peter. The Abolition of Britain. London: Quartet, 2000.
- Kirk, Russell. The Conservative Mind. New York: Avon, 1968.
- Muller, Jerry, ed. Conservatism: An Anthology of Social and Political Thought. Princeton, N.J.: Princeton University Press, 1997.
- Neuhaus, Richard. The Naked Public Square. Grand Rapids, Mich.: Eerdmans, 1986.
- Will, George F. Statecraft as Soulcraft. New York: Simon and Schuster, 1983.


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Sculpting Realistic Wood in Pxicologic ZBrush
In this nice video tutorial we will see how to 'discover' a 3D wooden axis using the Pxicologic ZBrush modeling program. We will understand how to best use the brushes that the program provides to create the veins and imperfections that characterize this natural material.
A very detailed lesson that can be followed by those who already know the tools of the program. An excellent exercise to get familiar with the ZBrush interface.


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Christina L. Brown is a partner with McDonnell Boehnen Hulbert & Berghoff LLP. Ms. Brown has more than fifteen years of experience in all areas of intellectual property, with substantial first chair litigation experience. She has represented clients in litigation in the patent, trademark, copyright, and trade secrets arenas, acting as trial counsel in both bench and jury trials. Ms. Brown has broad experience in appellate proceedings, including litigation before the U.S. Court of Appeals for the Federal Circuit and the U.S. Supreme Court.
She is frequently invited to speak to groups in the business and legal fields, at such forums as entrepreneurs' groups, international trade associations, the Licensing Executives Society, and law school classes. Recent presentations include "Spies, Lies, and Dies: Protecting Technology at Home and Abroad"; "Intellectual Property: How to Know It When You See It"; and "How to Select an Expert Witness".
In addition to the jurisdictions noted below, Ms. Brown is admitted to practice in a wide variety of courts at the district and state level.