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Assessing Autism Spectrum Disorder: Meeting the Challenge
Aug 27, 2019 08:00 AM
Aug 28, 2019 04:30 PM
|Contact Name
|Michelle Bush
|Contact Phone
|(502) 852-2467
|Add event to calendar
Day 1: Tuesday, August 27, 2019
Autism Conversations: A Framework for Assessment and Intervention Across Age and Ability Levels
Presenter: Dr. Marilyn J Monteiro, Co-Author of the MIGDAS-2
Day one will provide school psychologists and other practitioners with a practical framework to understand and talk about autism spectrum brain style differences in students across age and ability levels. Participants will be introduced to qualitative interview techniques using the MIGDAS-2 evaluation process, and learn to develop individualized behavioral profiles highlighting student strengths and differences. Participants will gain practical skills in identifying and implementing key educational supports and interventions to address organizational, regulation, and self-determination skills development in an individualized way.
Monteiro Interview Guidelines for Diagnosing Autism Spectrum (MIGDAS-2)
The Monteiro Interview Guidelines for Diagnosing Autism Spectrum (MIGDAS-2) is a sensory-based process for gathering and organizing the qualitative information needed to diagnose autism in children, adolescents, and adults. The MIGDAS-2 was published in 2018 by Western Psychological Services and is authored by Marilyn J. Monteiro, PhD, and Sheri Stegall, PhD.
The process includes guidelines for gathering information from parents/caregivers and teachers, and for conducting a sensory-based interview with the individual being evaluated. The MIGDAS-2 process is designed to facilitate writing a narrative that is easily understood by parents and others involved in the individual's care.
Key Features of the MIGDAS-2 Assessment Process
- Interactive interview techniques
- Parent/caregiver and teacher participation
- Comprehensive qualitative information
- Sensory based approach
The MIGDAS-2 can be administered by evaluation professionals who have prior education, training, and supervised experience in the area of autism. This may include, but not limited to, clinical and school psychologists, psychiatrists, developmental pediatricians, occupational therapists, speech pathologists, and others whose experience and scope work supports the aforementioned criteria.
Day Two: Wednesday, August 28, 2019
Assessing Autism Spectrum Disorder: Meeting the Challenge
Presenter: Dr. Ann K. Rogers
Day two will provide practitioners with a survey of tools designed to comprehensively evaluate individuals who have been referred for suspected Autism Spectrum Disorder. A review of DSM-5 and IDEA criteria will include highlights of conflicts for primary as well as comorbid conditions under each rule. Attendees will be given the opportunity to evaluate and comment on provided case assessment data.
Registration Information
Cost: $450
Register here: bit.ly/KATCREGISTRATION
CEU's available see registration site for details
Hotel Information
Hilton Garden Inn -Georgetown, KY
110 Grandstand Drive
Georgetown, KY 40324
A block of rooms have been reserved at the Hilton Garden. You must submit your lodging reservation to Hilton Garden- Georgetown and use group code KYA or call the hotel directly (502) 370-9008 to reserve your room. Reservations must be made by August 20th to reserve a room using this block. The cost per room is $120 plus tax. Included is a made to order breakfast for two people per room.
Continuing Education Credits
Continuing education applications have been submitted to the following Kentucky State Professional Boards for 12 hours of credit (6 hours each day):
- Kentucky Board of Social Work Pending
- Kentucky State Board of Examiners in PsychologyPending
- Kentucky Licensure Board of Speech Language Pathology Pending
- Kentucky Licensure Board of Occupational Therapy Approved
- Kentucky Board of Licensed Professional Counselors Pending
- Kentucky Association for Psychology in the Schools Pending
- Effective Instructional Leadership Act Approved
Payments can be made online when you register with a Mastercard or Visa or you can mail in the payment by check.
Checks should be made payable to: Kentucky Autism Training Center
Mail payments and purchase orders to:
University of Louisville
Department of Special Education
Attention Alice Sheffield
1905 South 1st St.
Louisville, KY 40292
Purchase orders can also be emailed to firstname.lastname@example.com or faxed to (502)852-7148.
Michelle Bush, Program Coordinator, Sr.
Kentucky Autism Training Center
College of Education and Human Development
University of Louisville
Phone: (502) 852-2467
Email: email@example.com
R. Larry Taylor, Executive Director
Kentucky Autism Training Center
College of Education and Human Development
University of Louisville
Phone:(502) 852-6116
Email: email@example.com


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I'm just getting to the end of an intense period of learning about different aspects of this activity I'm so immersed in.
I enrolled for a Coursera course called Introduction to Music Production. I'd been reading about MOOCs and this opportunity popped up. What's a MOOC? It's a Massive Open Online Course. Many universities are offering them – some free, some paid – and they're very definitely the pick of swinging popsters. This one was actually a Berklee course which Coursera had somehow managed to make free of charge. Six weeks in duration, each week's topic was presented by around 15 videos – basically talking head lectures with the odd bit of software demo thrown in – followed by an assignment where you had to 'teach' a topic from that week in video, ppt or PDF format. You then had to assess three other course members' assignments. There were also multiple choice quizzes after every three or four videos which you could use beforehand to set your priorities or afterwards to check your memory. That wasn't all the action, though. There were discussion forums and a collaborative project where people submitted anything from vocal 'ooohs' to beats to guitar solos which the hapless tutor will stitch into a piece of music. The clarity of the explanations in the videos was superb and I learned so much. The best thing is that I've been using digital recording for years but never really understood why I was doing this or that, or how to use EQ or compression, or even a microphone, properly. It's been a lot of work but a fantastic six weeks.
Introduction to Music Technology

subset: commoncrawl


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TIPS Center and Blackboard Administrator Staff Now in New Locations
Staff and services located at the TIPS Center in Gibson Annex will be relocated as of Tuesday, Dec. 3.
This relocation will help accommodate teaching needs on campus. The TIPS Center, including test scanning services, Blackboard and academic technology support, will continue to offer the same services from new locations on campus.
Scanning services will now be on the first floor of the Administrative Services Building (ADSB) on Razorback Road. To accommodate drop-offs, a new secure test drop-off location is available at the IT Services Help Desk in the Arkansas Union. Exams can be dropped off with an IT Services staff member between 9 a.m. and 4 p.m. Tests will be picked up twice daily for scanning.
Additionally, a 24-hour drop box is available in the ADSB vestibule. Please bring large batches of scantrons to the Arkansas Union or schedule a drop-off time by emailing firstname.lastname@example.com. Self-scanning services are still available throughout the semester, email firstname.lastname@example.com to schedule services.
For drop-in support and consultations, visit the TIPS staff in our new office in Mullins Library. The office will be located in Room 289, next to the Helen Robson Walton Reading Room. Members of the Global Campus TIPS team will be available for drop-in support from 9 a.m. to 4 p.m. Monday through Friday.
Blackboard administrators, academic technology and research support teams will be on the second floor of ADSB.
"The TIPS team is dedicated to helping our instructors with teaching and learning. Our services and support are not changing and we are always happy to provide support for our campus," said Kathryn Zawisza, director of academic technology and innovation.
View a complete listing of new services and staff locations on the IT Services website.
For questions and consultations on academic technologies, email firstname.lastname@example.com or visit tips.uark.edu.
Jennifer Brown, communication strategist
Information Technology Services
479-387-3849, firstname.lastname@example.com
Kathryn Zawisza, director of academic tech and innovation
Information Technology Services
479-575-2450, firstname.lastname@example.com
U of A Innovators Unveil Problem-Solving Prototypes at 2019 Demo Day
Eight student teams unveiled their learnings and prototypes as part of the 2019 Demo Day at the McMillon Innovation Studio, with Walmart CEO Doug McMillon in the audience.
Thomas Recognized Among 100 Most Influential Women in Supply Chain
Stephanie Thomas, clinical assistant professor in Walton College, was recently recognized as one of the 100 Most Influential Women in Supply Chain by B2G Consulting.
Congratulations Employees of the 1st Quarter
Staff Senate honored Trisha Blau, Julie Brogan, Gabriel Grider, Mark Larmoyeux and Amanda Sanders as Employees of the 1st Quarter.
Nachtmann Recognized With Top Engineering Management Award
Heather Nachtmann, associate dean for research, professor and director of MarTREC, has received the Bernard Sarchet Award from the American Society for Engineering Management.
Miller Gives Keynote Address at Behavioral Health Conference
Michael T. Miller, professor of higher education, recently delivered the keynote address to the Second International Conference on Behavioral Health in Doha, Qatar.


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graduate or postdoctoral students, academic programs and presentations. Carolyn M. Tucker, a professor of psychology, and of community health and family medicine, and a term professor of health.
GAINESVILLE, Fla. — The fate of a species may rest upon a single butterfly captured in late May by University of Florida lepidopterists. A UF research technician netted a female Schaus swallowtail in.
Graduate Studies in Linguistics University of Florida 2017-2018 General Academic Information Welcome to the Linguistics Department at the University of Florida. This document is intended to provide useful information to applicants and enrolled students alike. The Graduate Program in Linguistics was established in 1969 and has graduated some 200 MAs
GAINESVILLE, Fla. — Rats and humans have at least one thing in common: They both react the same way to a placebo, according to a new University of Florida study. "That was the big finding — that the.
Applications are invited for an open-rank tenure track position in linguistics (formal semantics, syntax-semantics interface, or language typology preferred), which is appointed by the Graduate.
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The University of Florida is considered among the elite public institutions in the country. The strong reputation of the university and college yield a highly valuable degree, which opens doors to a.
GAINESVILLE, Fla. — A new University of Florida study that determined the age of skeletal remains provides evidence humans reached the Western Hemisphere during the last ice age and lived alongside.
Department of Linguistics Sidney Smith Hall, 4th floor 100 St. George St, Toronto, ON M5S 3G3 (416) 978-4029; Email Us
GAINESVILLE, Fla. — The University of Florida announced today that Douglas Wynkoop has been named chief investment officer of the University of Florida Investment Corporation, UF's investment arm.
GAINESVILLE, Fla. — A mutant form of a meek microbe deals a gutsy blow to colon cancer, University of Florida scientists have discovered. The special bacteria halted abnormal inflammation, reduced.
Promoting a broad vision of the subject, spanning a range of disciplines from linguistics to biology, from psychology to sociology and philosophy, this authoritative handbook is an essential.
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governing graduate study in the Department of Linguistics at the University of Pittsburgh. Full version numbers have been approved by the full faculty of the department, and single decimals represent minor revisions made by the Director of Graduate Studies. The handbook is available on the department website and at the courseweb page for current
Boston University's graduate programs in Linguistics offer a solid foundation in linguistic theory and practice, and offer opportunities for study in a variety of areas. 1.1 This Handbook The Graduate Student Handbook is intended to provide a guide to students in the Linguistics graduate programs throughout their course of study.
Scholarly Articles War On Drugs "There's been a great deal of scholarly and policy attention toward incarceration. for growth trends center on policy responses that occurred as a part of the war on drugs and other sentencing. Fortunately, we are living at a moment when our students can undertake a far wider range of learning experiences than was possible when
The National Science Foundation has awarded six grants totaling about $7.5 million to digitize biodiversity collections, a nationwide effort coordinated by the iDigBio program based at the University.
Three people died worldwide from shark attacks last year, far below the average of 6.3 deaths per year over the past decade, according to the International Shark Attack File report released by the.
Linda Parker Hudson, the first woman to lead a major aerospace and defense company, has received an honorary doctorate in science from the University of Florida, the highest honor the university can.
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GAINESVILLE, Fla. — A University of Florida-led research team's development of a tracking system could change the way companies ship fresh fruits and vegetables, letting them know which produce is.


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Category: Sellers
COMING SOON! 37030 Cougar Dr, Simonton TX 77485
- 4 Bedrooms (master bedroom on the 1st floor)
- 2 bathrooms
- 2,505 sf home
- 48,060 sf lot (just over 1 acre)
- Horses allowed!
- Corner lot
- Completely renovated
Beautiful country retreat, within minutes of shopping and restaurants. 4 bedroom, 2 bath home with study, formal dining room and breakfast room. Master bedroom located on first floor, master bathroom with HUGE shower and double sinks. PLENTY of storage throughout the home. Two additional rooms located behind the home. These rooms would be a perfect office space, kennel, art studio or workshop. Completely remodeled, open and bright floor plan. Move in ready. Home located on a little over 1 acre. Bring your horses. Circular driveway and additional long driveway and huge carport. Plenty of parking. Gorgeous outdoor space with plenty of mature trees and gazebo. Additional storage shed within a small fenced area.
COMING SOON! 324 Delz St, Houston TX 77018
Location, 🔥 Location 🔥 Location!! Property is located in an up and coming area minutes from downtown, the Galleria and, the Energy Corridor. Adorable 3 bedrooms, 2 bath home with a HUGE backyard. Enjoy the large fenced backyard with shade trees, just perfect for family BBQs. Ready For Move In! Laminate and tile floor throughout. Open floor plan. Ceiling fans throughout the home. Kitchen includes a refrigerator. Never flooded.
New construction within close proximity makes it attractive for future appreciation or new development. There is plenty of space for a single family home, or several single family homes. Buy and hold for future appreciation.
Pick Me!
I love halloween!
Halloween is so fun. I love admiring at all the creative costume and the kid's love of the holiday is infectious.😀
This year I participated in Houston Magazine Fun Festival 2019. I knew I wanted something fun for my booth that kids would love…so I ended up on Pinterest. I found a monster that was created for a carnival. Kids had to reach into the monster's nose to get candy. I knew that this was it! Kids love boogers and farts.
The online post had no instructions so I came up with my own version. Here are the instructions if you'd like to recreate it. I guarantee you that it will be a big success!
Shopping List
- A large wood board ( you can decide what size you'd like.
- A set of wiggle eyes
- Spray insulation. I used 3 cans of this product
- Water based craft paint. I used several shades of green, yellow, gold, purple and red.
- 2 disposable cups. This will hold the space for the nostrils
- vaseline
- water
- Serrated knife
- Marker
- Saw to cut out the circles. I used something like this
- Sand paper
- glue gun
This was the picture I found online. It looked like they might have used paper and maybe plaster of paris. It was hard to tell but I think the spray foam had to be easier.
First, I used a marker to draw the image of the monster of the board. It was rough drawing, something to use as a guideline to spray the foam. I used the wiggle eyes to trace the area I needed to leave open for the eyes. I also traced two circle where the nostrils would be. I used the disposable cups as a guide to trace the circles.
Next, I cut out the two circles for nostrils. I used a hole saw. See shopping list for the item. I then sanded the holes to avoid wood splinters.
I read that the spray foam will stick to the wood better if it was slightly damp. I wiped the wood with a wet towel. The wood was not soaked, just slightly damp on the surface.
I coated the cups with vaseline (be generous) and positioned them in the nostril holes.
Then the fun began! I stated spraying the foam. Take your time because the foam will expand. I did this in layers and in stages. I used one can at a time. It doesn't have to be perfect. You can later cut the foam with a knife to give it a better shape.
I chose to make the nose huge because I wanted it to be the main focus.
I let it dry over night.
The next day, I took a serrated knife and started to shape the foam. It doesn't have to be completely smooth. In fact I found that the pits make it a little more gross.
I cut around the area where the wiggle eyes would be glued. Make sure that the eye will lay in the space. I cut out the cups that were hold the nostrils open.
Once shaped, you can now start painting the monster. Be warned, the wood and the foam will soak up quite a bit of paint. I used at least 16oz of green paint. Paint the entire monster in the main color, then you can start adding darker and lighter colors on top to give it dimensions.
Once the paint is dry, you can glue the wiggle eyes in their place. I suppose that you can paint the eyes in instead of using wiggle eyes but I really liked the fact that the pupils moved.
I added some text and a few "booger" images to add to the overall look.
The day of the event, the kids would reach into the nostrils and either get candy or they would stick their hand into slime (boogers). The look on kids faces when they reached into slime was priceless. 😂
I hope you enjoy this! If you have any questions let me know.
Shopping for a home? Let's look at Needs vs. Wants
Needs vs. Wants
Housing is a need; wants are items that help you live more comfortably. Wants are not completely necessary but certainly nice. For example, can you live without a private pool? yes. Can you live without a kitchen? Probably not.
When starting your search, be flexible. Give yourself the opportunity to explore options. You will start with a list but more than likely this list will change as you are introduced to more homes.
Be prepare for the likelihood that you won't get everything you want. There will be compromises, trade-offs and finding the best possible property for you and your family. One home might lack a game room but its in a perfect location. Another might have a great yard but will force you into a longer commute. Decisions, decisions, decisions…
The MOST important decision is location. This is something that cannot be changed. You can renovate a home, add a bedroom or bath, etc. but you cannot move the home. Explore the surrounding area. Do you like the proximity to work, shopping, school zoning, restaurants, friends and family?
Check out this worksheet that can help you through the deciding process.
What is PMI?
PMI, also known as private mortgage insurance, is a lender's protection in the event that you default on your primary mortgage and the home goes into foreclosure. This is exclusively for the lender's protection. Banks don't like losing money, who does? They have determined that they can recover about 80% of a home's value at a foreclosure auction if the buyer defaults and the bank has to seize the house.
If you fall behind on your payments, PMI will not protect you and you can lose your home through foreclosure.
When home buyer applies for a conventional loan a lender will feel more comfortable if they are able to put down at least 20%. If this is not possible, a lender will typically look at the loan as a riskier investment and require that the borrower take out PMI.
Note: Your loan estimate and closing disclosures will list PMI as part of your payment. Most of the times, this fee is paid monthly but on occasion you will see the fee listed as an up-front premium. Sometimes you will see a combination of month and up-front fee.
The PMI is usually paid monthly as part of the overall mortgage payment to the lender. PMI may cost between 0.5% and 1% (depending on the type of loan) of the entire mortgage loan amount annually. For example: assuming your PMI is a 1% on a $200,000 loan. That fee would add approximately $2,000 a year, or $166 each month, to the cost of your mortgage.
PMI can sometime be cancelled once you have reached loan balance of 80% of the loan balance. You might have to contact your lender and request that the PMI payment be removed. Keep in mind that the lender might have other conditions, such has no past due payments. Normally the bank will require that your home be appraised before they would consider removing this fee.
FHA loans?
Look for Mortgage Insurance Premium (MIP). If you are an FHA-insured borrower, the Mortgage Insurance Premium (MIP) you pay as a part of your monthly mortgage payment is what makes the reduced downpayment on your mortgage possible. FHA uses these payments to insure your lender against losses if the loan goes to foreclosure.
Borrowers can request that monthly mortgage insurance payments be eliminated once the loan-to-value ratio drops below 80%. Some loan servicers will allow (but are not required) borrowers to cancel PMI sooner based on home value appreciation. If the borrower accumulates 25% equity due to appreciation in years two through five, or 20% equity after year five, the investor who purchased the loan may allow PMI cancelation after the home's increased value is proved with an appraisal.
An alternative to PMI, is a second loan to cover the 20%. A second mortgage will typically come with a higher interest rate.
Make extra payments towards you principal balance. Not only will this get you to the 80% balance faster but it will save you a tons in interest. Even the smallest payments makes a huge difference.
Houston Family Fun Festival 2019
TRICK OR TREAT! I'm happy to be participating in this event on Oct 20, 2019 and Oct 27, 2019 from 12-4 It's free and should be super fun for kids.
Enjoy face painting, rock wall, food trucks, activities under every tent, inflatables, arts and crafts, door prizes, music, onstage performances, HFM goodie bags and more!
Come by and bring your witches and goblins for some fun activities and trick or treating!
Join us!
Learn More
Special Treat!
Come by my booth and tell your kiddos to give me the secret password "boogers" for a special goodie bag.
Get to Planting!
Did you know that October is a great time to plant trees, shrubs, rose bushes and perennials. Planting now will help the plant survive come spring and summer.
When deciding what to plant think about our pollinators. I love the fact that my yard is full or butterflies, hummingbirds, dragon flies, hummingbird moths and many types of bees. It's beautiful to see them flying from one plant to another.
We have 600 species of native bees in Texas! How many have you seen flying around? I love to see the huge bumble bees on my Vitex tree. Don't forget about the butterflies There are about 100 different species that visit our Houston gardens and surrounding areas. Learn more.
It's always best to choose native plants. They do better in our climate and tend to be more drought resistant. You can conserve water and still have a beautiful garden! Most of the times it's best to go to a local nursery vs a big box store like Home Depot. Most of the larger stores will carry the same plants nationwide. A plant that does well up north might not do well in our weather.
Check out some of our local nurseries. These are some of my favorites:
Do you have a favorite that isn't listed? Let me know. I'd love to check it out.
Native Plants
Ideally these are plants that are low maintenance, are attractive and functional for our area and climate. Here are some of my favorites:
I love Lantana. It comes in a variety of colors and pollinators love it. My lantana is always covered in butterflies.
This plant is almost impossible to kill. During the winter months I cut it back and come spring it pops back up. This is a very low maintenance attractive plant that loves our hot summers; it thrives in full sun.
Salvia is another plant that does really well and the pollinators love it. Salvia comes is many varieties and colors. It's drought tolerant and very low maintenance. Plant it and forget it.
My Vitex tree is always covered in huge black and yellow bumble bees. I've heard them referred to as flying pandas. They are harmless and so cute!
I'm constantly cutting this plant back because it loves our climate and grows fast. Vitex is heat and drought resistant.
You can trim this like a small tree or let is grow like a shrub.
Hummingbird or fire bush is beautiful and the pollinators love it, especially hummingbirds. This does well in full sun but doesn't like freezes. It might die down if the weather gets too cold but normally will come back come spring.
I love Blue Plumbago; not only is it beautiful but it's no easy. My dogs haven't been able to kill this one!
It grows like a low lying shrub and it likes both sun and shade. It's very drought resistant once it's established.
Esperanza, Yellow Bells is gorgeous and pollinators love it, especially the hummingbirds. You can trim it to look like a small tree or let it grow wild like a large bush. The flowers are beautiful.
Very low maintenance and it loves full sun and it's drought resistant.
Check out Buchanan's list of native plants, shrubs, grasses and vines:
Home Garden
Do you have a home garden? Its time to plant fall veggies and herbs – Broccoli, cauliflower, Brussels sprouts , lettuce, cabbage, peas, dill, cilantro, parsley, Swiss chard, mustard greens, etc. I've had great success with Collard Greens! Remember that most of these freeze very well.
10 Common Misconceptions People Have About Buying a Home
Do you need more space?
Spend Less – Get More! Buying a home is very rewarding in many ways.
This is the number 1 reason why people buy a home. The home buying process can be daunting. It's one of the largest purchases that you will make during your lifetime. That said, the process is easier when you have the right team on your side. A good lender, REALTOR® and home inspector will guide you through the process stress free.
Right now in most areas we are in a buyer's market. Rates are still low so it's really the perfect time to buy.
What's holding you back? Let's explore some common misconceptions.
1. You need 20% down to buy a home
Many buyers believe that they need 20% down to buy a home. This is a very common misconception. There are FHA loans that will permit a 3.5% down payments and some conventional loans that will go as low as 3%. If you are or were in the military, VA loans require zero down! In addition, if the home is a rural area, USDA loans will also require no down payment.
2. You need a credit score in the 700s or better
This is no longer the case. There are many different loan programs available that will qualify many different buyers. It's important to speak to a lender and have them analyze your situation. In most cases they will be able to get you qualified. If you like a list of mortgage lenders contact me at email@example.com.
3. Don't have too many lenders check your credit because that will lower your score
You have the right to shop for a loan. FICO, the company that computes the credit scores lenders use. Allow consumers to "rate shop". When doing to make sure that you are comparing the same types of products. Don't focus exclusively on interest rates. Sometimes a lender will increase your closing costs by making you pay down points in order to get you a better interest rate.
4. Adjustable rate mortgages are bad
We all heard a lot of negative things about adjustable mortgage rates after the mortgage melt down in 2008. Adjustable mortgage rates are not all bad and can be a great option for someone that plans of paying off a home in 5 years or if you plan on selling the home within 5 years. This will provide you will a low interest rate for the first five years on the loan and that maybe all you need. Speak to a lender about options.
5. You just need enough money to cover your down payment in savings
There are several upfront cost when buying a home. The down payment is usually the largest but you will need to cover the following as well:
- Earnest Funds: Once your offer for a home is accepted, you will have to deposit your earnest funds with the title company. Earnest funds are typically 1% of the sales price. For example: if the home is being sold for $200,000, your earnest funds will be $2000. These are funds that will be applied towards your down payment at closing so they are not in addition to the sales price offered.
- Option Fee: An option fee is a fee that is offered to the seller in exchange for a set number of days for you to complete your due diligence and be able to cancel the agreement if you find something that you don't like. This fee will also typically be credited towards the balance due at closing if you proceed with the purchase. This is money well spent because as little as approximately $200 or less you can take your time and inspect the property before you fully commit.
- Inspection Fee: It's always a good idea to have your home inspected. This usually will cost about $350-$450 on average. This is also money well spent. This is a large purchase and it's important to know the condition before you commit to the sale.
- Appraisal Fee: This is a fee that the bank will ask you to pay in advance for the appraisal of the property. This fee will run between $450-550 typically. It is part of the closing cost and will be credited at closing.
- Reserves: The lender will usually want to see that you have around 2 months of mortgage payments in savings as reserves.
- Closing Costs: When you first get pre-qualified by a lender they will give you wants called a loan estimate. In it, the lender will disclosure all your costs; including your down payment, loan costs and closing costs. Closing costs can add up. Most of the closing costs go to what's call pre-paids. This is a set amount that the lender will require to start your escrow account.
6. It's cheaper to rent than it is to buy
Rent is expensive and normally there are a lot of upfront fees when renting a home. Along with those fees there are restrictions. Explore the option to buy. I think you'd be surprised that your monthly payment can be the same or less than a rental property.
7. You don't need a home inspection for new construction
Whenever you are buying a home, be it new or a resale, it is always best that you have the home inspected. Even new homes have issues that come up during an inspection. A home is a major purchase. The investment in a home inspection is nothing compared to the cost of buying a home with major problems
8. It is cheaper to buy a home that needs work
It can be but in many cases you end up spending a lot more on a rehab than you do on a move-in ready home. Many people watch these HGTV shows and feel that rehabbing a loan is easy. It's not! There are always surprises and these surprises can be costly.
In many cases buyers go in with good intentions of getting the work done but faced with the cost and time of the repairs, they are put off. Over time they let the repairs go and ultimately they are never get done.
9. I can save money by not using a REALTOR®
As a buyer, it will normally not cost you anything to have an agent on your side. In most instances the seller pays the buyer's commission. There is not reason to not have ally on your side.
Before submitting an offer it's important to review comparable sales in the area and overall market conditions. Every home is different and it's important to look at all aspects of the home before submitting an offer. The surrounding area is very important. You can change things about the home but you can't change its location.
10. I need to find a home before I speak to a mortgage lender
This would be false. It's important to be pre-qualified before you start looking. Sometimes the bank will qualify you for more or less than expected.
When you find that perfect home, your offer is submitted with your pre-qualification letter. Don't run the risk of losing the perfect home. By the time you get qualified the home might be gone.
Owner Finance
Note: A qualified real estate attorney should be consulted to answer any questions as well as write the sales contract and promissory note.
What is owner finance?
Owner financing is also known as seller financing. This can be an option for people that can not qualify for a conventional bank loan.
In an owner finance agreement, the owner or seller will act like the bank. They will list the finance terms they are willing to offer. Owner financed deals are recorded with the County. The buyer's interests is protected. An additional protection is that a trustee has the deed instead of the seller. The Deed of Trust in an owner financed deal will show that the buyer is the rightful owner.
Just like a traditional bank loan, there is usually a down payment, amortization period, a possibly balloon payment and a set or adjustable interest rate. The terms can be customized to fit the needs of the seller and buyer.
Most owner-financing deals are normally short term and a typical arrangement might involve amortizing the loan over 30 years but with a final balloon payment due after five. The idea is that after 5 years the buyer may be in a better financial position and can now get a traditional loan.
How does it work?
A contract is negotiated. The contract should include a Seller Finance Addendum that will disclose the terms of the agreement. It should cover the balance to be financed, the down payment, interest rate, balloon payments, pre-payment penalty, etc.
Part of the closing documents will include a promissory note. This is a very important document; it will include all the loan terms, the loan amount, the amount of your monthly installments, interest rate, payment schedule, late fee terms, balloon payment (if applicable) and when and how you need to pay.
Most promissory notes will have a due-on-sale clause that will make the entire balance due if the buyer decides to sell the property before the balance is paid off.
A deed of trust will also be signed and it's usually recorded at the county's clerks office. This legal document protects the seller in case the buyer defaults on the loan. It will allow the seller to foreclosure of the property if payments are not made.
Like any option, there are pros and cons. Let's explore these below.
- Buyers that can not traditionally qualify through a bank might qualify through a seller directly. Banks sometimes have a very black and white way of looking at things. A seller might evaluate the buyer's entire potential and make a decision based many other factors.
- The loan terms can be customized to fix the parties needs.
- Flexible down payments.
- The closing may be faster. With a traditional loan the closing can take 30-45 days.
- The closing costs could potentially be less. They might not include some of the normal lending fees
- The loans terms can be less desirable.
- The sales price and down payment requested could be higher.
- Interest rates can also be much higher than market rates.
- The amortization period might be too short or too long for comfort.
- The seller might include a balloon payment after 5-10 years.
- There usually is no appraisal involved so you might pay more that market value (Do your research).
- There might be pre-payment penalties
- The interest rates might not be fixed.
Ultimately owner financing can be a good option for both buyers and sellers but there are risks.
Buyers be warned
As a buyer thinking about owner financing, do your due diligence. Research the property, the community, the seller, etc.
- Beware of homes that are exclusively being offered as owner finance. Why? Are they selling the home for much more that market value? Is the home in poor condition? Are they trying to avoid home inspections or appraisals? Ask the questions.
- Did the seller ask your for a credit report, financial statements, proof of income, etc? If the seller is not looking into your finances, walk away. They should care if you can afford the home. Ideally you want your monthly payment to be less than 30% of your monthly income.
- Is the home paid off? If the seller owes a balance on the home, there is a higher risk for the buyer. You may be punctual in your payments but what happens if the seller doesn't apply your payment to his mortgage? His mortgage company can foreclose of the home. You can end up losing all the funds you have paid towards the home plus the home itself!
- If the seller still owes a balance make sure that their mortgage does not have a due on sale clause. If they do have a due on sale clause, the bank can his bank demand immediate payment of the debt in full if the house is sold to you. If the lender isn't paid, the bank can foreclose. To avoid this risk, make sure the seller owns the house free and clear or that the seller's lender agrees to owner financing.
- Balloon payments – with many owner financing arrangements, a large balloon payment becomes due after a set number of years. If you can't secure financing by then, you could lose all the money you've paid so far, plus the house.
- Consider having the home inspected. A home inspection is always an option for a buyer. These inspections are typically completed by a third party inspection company and will typically cost $350-550. If the seller does not allow you to have the home inspected, let this be a warning sign. What is he/she hiding?
- The seller should provide you with seller's disclosures. All seller should disclosure issues that they know to be wrong with the property.
- Since a bank is not involved, there might not be an appraiser. In a traditional bank loan process, the bank will send an appraiser to evaluate the property's worth. The appraiser will issue his opinion on value and condition. An appraiser is not an inspector, but if they see something that might effect the property's value, they will note it and possibly force the parties to make repairs before the bank approves the loan. You as a buyer can order an appraisal of the property. If you are not sure of the market value of the property, speak to an REALTOR® or hire an appraiser.
- Research the community and schools. Even if you don't have school aged kids, schools can make or break a property's resale worth. Properties zoned to poor preforming schools might not resale as well as those zoned to excellent schools.
- Traditional owner-financed transactions often close in a lawyer's office without title insurance, although it might be wise for the buyer in such transactions to at least obtain a title report indicating what liens, lawsuits, and judgments may affect the property. There has been fraud in this area. People that are not the true owners of a property might try to sell or rent a home they know to be vacant.
- This is one of the largest purchases you will probably make. You might want to consider hiring a real estate attorney to review the terms of the contract prior to signing an agreement.
- The owner will normally keep title to the house until the buyer pays off the loan. If the buyer defaults, the seller keeps the down payment, any money that was paid, plus the house.
Sellers be warned
As a seller you too run risks when owner financing a home. Do your due diligence before signing a agreement.
- SAFE Act – Sellers who engage in more than five (5) owner-finance transactions in a 12 month period must now have a Residential Mortgage Loan Originator License according to the Secure and Fair Enforcement for Mortgage Licensing Act, also known as the SAFE Act.
- If you owe a mortgage on the property, speak to your lender to see if you have a due on sale clause. If you do, then owner finance may not be possible. Once you sell the home your mortgage balance will come due entirely. Speak to your lender and see if they will agree to owner financing.
- Make sure to review the buyer's income. Their financial strengths, their credit or lack of credit, their available funds, etc. Speak to the buyer's employer if they are not self employed. If they are self employed, considering looking at a few years of tax returns. You will decide what you find acceptable or not.
- Think about hiring a servicing company to receive the payments and establish an escrow account. This way the payment can be applied to the balance owed directly.
- The seller must determine that the buyer has the ability to repay the loan (and this must be supported by verifications and documentation).
- Although you won't have to worry about insuring the property or making repairs as needed, you do run the risk of having to foreclose if the buyer stops making payments.
- Repair cost – if you do take back the property for whatever reason, you might end up having to pay for repairs and maintenance, depending on how well the buyer took care of the property.


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Tuffy in Westerville is your preferred MINI repair facility. We specialize in everything from major repairs to general routine maintenance. Your MINI is in great hands at Tuffy in Westerville.
job is to ensure that your MINI is trouble free and fun to drive.Maintenance and Services may include:
Tuffy in Westerville is your MINI specialist. Contact us today for a quote or to schedule your next service.
Tuffy Westerville in Westerville also services the needs of Westerville, Orange, Galena, Harlem
Tuffy Westerville


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Learn the language. Enjoy Korea more.Presenting the easiest guide to Korean you'll find. Get on Amazon Get the PDF
Order a beer, ask for a discount, and get around Korea easier – learn a few basics and have an even better time.
This language guide is your way to leapfrog other tourists and know what's really going on. They're written to be read quickly (like on the plane!) and be a reference guide once you've arrived. Each major section is linked to other major sections, making them only a tap away.
A few highlights:
- A thorough but easy-to-follow primer on hangeul, Korea's alphabet
- Numbers, money, and plenty of practical stuff
- The different types of hotels, and how to tell the difference
- Food, glorious food! What to try and how to order it
- How to get around the country by plane, bus, or train
The Korean language book for people that don't like learning languages.
One Weird Globe's mission is to make travel awesome, and to set you up to succeed. With language books, that means giving you the basics to making yourself understood. This is not a complete guide to the Korean language, so there's no fancy grammar points. No irrelevant vocabulary. If there's a fair chance you'll use it as a tourist, it's here, along with some local knowledge and humor.
Last updated: July 2018
Buy now and start exploring the awesome side of Korea.
About the author
Chris Backe (rhymes with hockey) is the one-man show behind the dozens of itineraries / guidebooks on Worthy Go. He's the former travel blogger of One Weird Globe and has been traveling since 2008. He's been seen in Atlas Obscura, io9, Fark, Mental Floss, Groove Magazine, and many other publications. When not traveling, Chris enjoys a good lager and a tabletop game.
About Worthy Go
Worthy Go itineraries offer an unbiased look at what's worthy in a city or area/province. You get recommendations to what to see and do, where to eat, where to sleep, and most importantly, how to get there with clear directions and GPS coordinates.
About the author
Chris Backe (rhymes with 'hockey') is the former blogger behind One Weird Globe, and has been seen in Atlas Obscura, io9, Fark, Mental Floss, Groove Magazine, and many other publications. When not traveling or writing, he enjoys swing dancing and a good board or card game.


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Police Are Investigating The Attack That Happened Outside A New Orleans Nightclub On Early Saturday, August 10 And Left The Comedian Suffering From Concussion And Possible Bleeding On The Brain.
Andy Dick was assaulted outside a New Orleans nightclub on early Saturday, August 10. The controversial comedian/actor was waiting for his Uber after performing at the One Eyed Jacks nightclub when an unknown attacker "sucker punched" the 53-year-old star at around 2 A.M.
A security footage capturing the attack showed the man appearing to be waiting for Andy and mingling with the crowd before knocking Andy out when he was talking to someone else. Andy fell into a motorcycle and hit his head on the ground. The attacker then calmly picked up his beer and walked away, while Andy was "knocked out 100 percent for 15 minutes," according to the former "The Andy Dick Show" host.
Paris Dylan, Andy's performance partner and guitarist who performed with him that night, says he witnessed it as the attacker threw a punch on the back of Andy's head. "Andy dropped like a rag doll," Paris recalled. "It was extremely scary."
He went on recounting, "He wasn't responding to me. I was looking at his eyes looking all over the place. He was kind of like swallowing his tongue. He was like, not talking to me."
Andy was rushed to the intensive care unit of an area hospital. He was diagnosed with concussion and monitored for a "possible brain bleed." Andy spent two nights in the hospital before flying back to Los Angeles. "It's still kind of touch and go. His head is still killing him. He's got blurry vision. He's not the same," Paris says of Andy's current condition.
The New Orleans Police Department confirms it's currently investigating "a possible assault involving an individual identified as Andy Dick" following the filing of a complaint with the agency in the afternoon on Monday afternoon. Paris says he remains mystified as to a motive of the attack.
While Andy has a history of drug and alcohol issues that landed him in troubles, Robert Couvillion, who promoted the show, says the performer didn't have any reason to expect to be attacked. He says he was "flabbergasted" by what happened.
Following the attack, Andy canceled a scheduled performance at an outdoor venue for Saturday's Red Dress Run crowd. He showed up in a decorated wheelchair at another concert scheduled for the Art Garage in the Marigny at 10 P.M. on Sunday. While he was unable to perform, Paris says Andy just wanted "to show up for the fans."


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Simon Pagenaud continued his impressive start to the Verizon IndyCar Series as he was a nearly wire-to-wire winner of the Honda Indy Grand Prix of Alabama at Barber Motorsports Park.
Sunday's victory, before 83,765, was the French native's second in as many weeks on the circuit in the PPG Automotive Refinish Team Penske Chevrolet. He was runner-up in each of the first two races of the season.
Pagenaud started on the pole and held the lead the first 19 laps before yielding the lead for two laps to Graham Rahal, the runner-up at Barber for the second year in a row. Pagenaud set the pace for the next 59 laps, until Rahal nudged him and took the lead.
The race came down to Pagenaud's side-by-side battle with the Rahal Letterman Lanigan Honda in the closing laps of the 90-lap, 207-mile race around the 2.3-mile, 17-turn road course.
"In the end, Graham really caught up, and he gave me a good piece of driving that was amazing from him," Pagenaud said. "I (take) my hat off to him for that. He got me really excited, and I wouldn't say that – the redness came up after I went off track."
But, literally and figuratively, he got back on track.
"I said, yeah, I'm going to get that one back no matter what," the series leader said. "We had so much pace in the car that I could get back to him, and then it was about being aggressive. He got a little too aggressive over the curb, and that was my chance."
Rahal's ride was damaged in Lap 30 as the right front wing broke. "It was just a simple part failure," Rahal said. "That hurt us quite a bit. From then on, we were just trying to fight a lot of underspin in the car.
"I knew at the end I could catch Simon," Rahal continued. "I knew we had the pace to do it. … We just let this slip today."
Josef Newgarden, the 2015 winner of the Honda Indy Grand Prix of Alabama, wound up third Sunday.
"I thought we had a good race car," the Henderson, Tenn., native said of his Ed Carpenter Racing Chevrolet. "It obviously wasn't enough for Pagenaud or Graham, but we were close. I think that's why we were able to get third was that we were close to those guys."
Scott Dixon set a track race lap record with a 1:08.4533 on his way to finishing 10th. Juan Pablo Montoya, who started last, finished fifth.
Sunday's attendance was second only to the 84,126 who came to Barber for the first Honda Indy Grand Prix of Alabama in 2010.


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the club artists create an exclusive and limited edition only for the club.
the artwork will be selected by the-art-club together with the artist and is published
in a specially designed art-map exclusively for the club.
only the formatA3 (297 x 420 x 14 mm) is defined but the selection of the materials
and art technics is solely desided by the artist.
there are only 99 limited copies available personally signed and numbered by the
artist which may exclusively be purchased by the club for its members, selected
collectors and art lovers.
art editions


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Lab Services
Regardless of your need, whether you're an outpatient, inpatient or facing an emergency, laboratory services at Tri-County Health Care can provide quick, accurate results.
Why Tri-County Health Care?
With a focused effort on reducing patient anxiety and providing the most pleasant experience possible, Tri-County Health Care's lab technologists, technicians and phlebotomists provide the personal care, expertise and empathy patients expect. During regular business hours, lab services are also available at each of our satellite health clinics in Bertha, Henning, Ottertail, Sebeka and Verndale.
Working closely with pathologist Greg Smith, M.D., a medical physician with the Fergus Falls Medical Group, the laboratory team works hard to provide the best service possible for Tri-County Health Care's valued patients.
Tests Offered In-house
- Bacteria cultures
- Blood cell counts
- Blood type testing
- Blood sugar testing
- Cholesterol testing
- Kidney and liver disease testing
- Pregnancy and prenatal testing
- PSA testing for prostate cancer
- Strep throat and flu screening
- Urinalysis
Phone: 218-631-7474
Clinic Lab Hours:
Monday - Friday
7:30 a.m. - 5 p.m.
Emergency Lab Hours:


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The Learning Phase
- Learn enough to get started.
- Playing around with the information will give context and tacit knowledge to go back and do more verbal, analytic learning.
- Learn enoughto do something useful with it.
- Teach. It is the only way to know for sure that you've learned something and a great way to fill in the gaps in your learning.


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100 m2
Bar & Restaurant
Shop Share
This very bright photo studio is located in the 6th arrondissement, south of the Luxembourg Gardens and close to the Port-Royal stop. The white curtains in the storefront reveal a versatile space that you could rent. It's equipped with a kitchen, an office area and more space down in the basement.
Monday: 10:00 am - 7:00 pm
Tuesday: 10:00 am - 7:00 pm
Wednesday: 10:00 am - 7:00 pm


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Tag Archives: home school
Is schooling the best we can do?
We tend to accept school as the only form of educational provision. It's certainly what we're used to. But is it really the best way to help our children develop? Over ten years home educating, and roughly the same teaching … Continue reading
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Essential Steps To Take for Homeschooling
If you've decided that homeschooling is the best fit for you and your child, it is surprisingly easy to develop a plan of action and follow through. Homeschooling is a legal right in the UK and in fact, it is … Continue reading


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Samantha C.
Looking for work as a babysitter or nanny
- 12 years paid experience
- Age 30
- Babysitter in Mineola, NY 11501
Meet Samantha
- Early Childhood Special Education Certification
- Speaks Other
- Comfortable with pets
- Has a car
My name is Samantha and I am currently 29 years of age. I am a certifed teacher of the hearing impaired and early childhood education. I have a masters degree from Teachers College, Columbia University in Deaf Education/Early Childhood Education. I have been working with children all my life and love kids. I have been babysitting since I was 13. I have also worked at a sleep away camp that I attended as a camper as well for 11 years. I have student taught at the at Teachers College with toddlers and at the school at columbia with kindergarten. I also have worked with children with hearing impairments ranging from ages 3-21. Currently I work as a teacher full time during the day. I am available for summer/after school/occasional weeknights/weekends/date nights. My rate is $20-25 per hour.
Trust & safety
We encourage parents to conduct their own screenings using our background check tools. To learn more about our committment to keep your family safe, visit the Trust & Safety center.
Enhanced background check not run.Enhanced background checkNot Run
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First aid certificationFirst aid certification
CPR certificationCPR certification
- Generally available mornings, afternoons, evenings, late nights and weekends
- Daytime care availability during summer months
- After school care availability
- Willing to consider a part time position
- Seeking Summer Position, Short-term (1 to 3 months), Temporary (4 to 12 months), Permanent (1 to 2 years) employment
- Start date is flexible
- My availability is valid through 8/23/18
- Willing to consider a part time position
- Seeking Summer Position, Short-term (1 to 3 months), Temporary (4 to 12 months), Permanent (1 to 2 years) employment
- Start date is flexible
- My availability is valid through 8/23/18
Willing to care for 2 children per sitting
Infants (age 0-11 months)
- Toddlers (age 1-3)
- Preschooler (age 4-5)
- Grade School (age 6-11)
- Pre-teen/ Teenage age (12+)
Special needs expand
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- Sign Language
Deaf Education/ Early Childhood Education
Teachers College at Columbia University
- Former Employer Join to contact reference
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Additional services
- Willing to drive children to events, school, appointments, or carpooling
Homework expand
- Finishing homework
- Checking answers
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- Proofreading
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- Other
Samantha C.


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Meyerbeer: Ballet Music from the Operas Barcelona Symphony
- 1Les Huguenots, Act III: Danse bohemienne (Gypsy Dance)04:46
- 2Act II: Pas de cinq09:28
- 3Act III: Ballet des Nonnes: Les Feux Follets et Procession des nonnes03:53
- 4Act III: Ballet des Nonnes: Bacchanale05:00
- 5Act III: Ballet des Nonnes: Premier Air de Ballet: Seduction par l'ivresse02:19
- 6Act III: Ballet des Nonnes: Deuxieme Air de Ballet: Seduction par le jeu03:20
- 7Act III: Ballet des Nonnes: Troisieme Air de Ballet: Seduction par l'amour02:34
- 8Act III: Ballet des Nonnes: Finale01:36
- 9Act II: Waltz03:32
- 10Act II: Chanson de cavalerie01:18
- 11Act I: Prayer02:23
- 12Entr'acte to Act III02:02
- 13Act III: Ballet des Patineurs: Waltz01:41
- 14Act III: Ballet des Patineurs: Redowa07:08
- 15Act III: Ballet des Patineurs: Quadrilles des patineurs04:48
- 16Act III: Ballet des Patineurs: Galop05:01
- 17L' Africaine, Act IV: Marche indienne (Indian March)08:51
Info for Meyerbeer: Ballet Music from the Operas
Giacomo Meyerbeer was one of the most significant opera composers of all time. The four grand operas represented here brought him his greatest fame, with Les Huguenots being one of the most performed of all operas. Meyerbeer's contributions to the French tradition of opéra-ballet acquired legendary status, including the ghostly Ballet of the Nuns from Robert le Diable; the exotic orchestral colour of the Marche indienne in L'Africaine; and the virtuoso Ballet of the Skaters from Le Prophète in which the dancers famously glided over the stage using roller skates.
"This is a most entertaining collection with just a few dull moments – Meyerbeer's fault, not Nesterowicz's – and, as expected, the orchestra really enters into the spirit of this music...One or two dull patches can't take the shine off this engaging disc; great fun." (MusicWeb International)
"70 minutes of unremitting ballet music may not be the most intellectually challenging fare. Yet, listening to this music...well played by the Barcelona SO, you have to admire its supreme orchestral virtuosity. However ephemeral, the effects, culminating in L'Africaine's Indian March, are brilliant." (Sunday Times, UK)
Barcelona Symphony Orchestra
Michał Nesterowicz, conductor
No albums found.
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You and your family are going along in life and doing your routine only to be surprisingly met by an overly flirtatious, provocatively dressed female or group of, who are clearly dressed for 'bodily' attention – even her body language; seductive glances you see her making toward the male you are with, smiles, her overall demeanor / movements scream of lust toward those looking and more often than not, we find ourselves at an impasse; uncomfortable to be around her, starting to think of her disrespectfully – threatening her in your mind as you see your husband or son gaze at her body and so it goes…. Of course, we might expect this in public settings, worldly events and such but at church? It gives us ill feelings more often than not. Unless, we've become numb and just don't care about it. Even so, this is an issue for us as Christians no doubt and so, as iron sharpens iron and as Titus 2 implores older women to teach the younger women to be pure, working at home and loving their husband and families, being self-controlled and all of that… let's get this right together!
Drop Your Rock
Ouch! Perhaps, we are not outwardly letting this person "have it" – Inwardly, we may be seething though! Reality check- God still knows our thoughts – so we can't hide there. (Psalm 139:4)
For some "fun" personal examination… Have you thought any of the following when you are greeted by this immodest behavior: "Great, now my husband is going to be thinking about her all night," "could those pants be any tighter?" ""just cover your butt!,"why would a doctor dress this way to see patients?" "Yes, you are blessed in the chest, can you keep them covered please?" and "why is she flirting with my husband or sons – just leave us alone" "I cannot stand this woman, does she even realize that men are lusting mightily about her in their thoughts right now?" or more personal thought – "I wish my body still looked like that, but why must she flaunt herself this way in public?" or maybe you feel pity toward her? I have personal experience with those thoughts, ouch!
Maybe that sounds harsh, especially when in written format – but we must be real and honest God knows, just keep it honest! Thoughts like that can reveal our own insecurities. They can consume us and make us unapproachable too because of the attitude it exudes.
We women do know our kind, don't we? We can be polite on the outside- yet petty, rude, condescending, snide, crass, just with a single glance and even without reason! We can be real "cray" as they say.
PRAY WITH ME…. Lord help my sisters and I humble ourselves this day and onward so we can be a light in this darkness.
Not that we are dwelling on those thoughts most of the time, but they literally sneak up on us, don't they? That is how the enemy of our souls often works and exposes our weakness when we are unguarded (1 Pet. 5:8) (the stories I could tell!) I'm as guilty as the next person and we easily cause division in our minds before ever getting to know this person, don't we?
Thus, immodesty and the attitudes that often come with that doesn't exactly say; "Hey, trust me – we can be friends!" From personal experience, much of it comes from insecurity. I have made a few videos that talk about this as well for you to explore if you like.
While we shouldn't assume false motives of this person or "those people" created in the image of God, even IF that woman is deliberately choosing to cause this tension between her female kind and/or draw your husband or son away in adulterous ways (yes, there are women who simply enjoy being rebellious and seductive unfortunately so), however, as Believers especially, we must love her by caring about and praying for her heart to know the Lord, or gently approach – confront these matters as opportunities arise to present themselves and by modeling godly behavior in our own lives. Even if we are misunderstood. Where do we find the balance and peace about this issue so we don't automatically see others in such a negative light?
Looking in the mirror first.
YOU may be the only Jesus example they see….
Indeed, many of us struggle with our body image and long to feel good, look good and be loved which is where understanding our identity in Christ is the beginning of true inward and outward transformation which is why Planned Purity has been established to spur one another toward Christ, encourage and equip the body of Christ particularly as women. I have needed the reminding and mentoring in my own life.
In fact, I was "that immodest girl and for a long time." By the grace of God alone, Sanctification heals our sin and shame because it is the work God alone performs in us as we truly begin to surrender our will for His.
Unfortunately, to our personal, emotional downfall we can be easily swayed by our sinful desires within us (Gal. 5:17) and those cheering us on in those immodest directions too: wanting to be sexy, young looking etc. We see so much of that – it's a battle out there! As we clearly see culture's influential fashion ideas which are thrown in our faces nearly everywhere of what beauty is "supposed to look like" it is difficult to shop for more modest apparel too… I simply don't have the space to write about all of that drama. Although, there are wonderful alternatives (I'm not promoting burka's or dressing as nun's, please don't get the wrong extreme idea) – but as we honor the Lord and other people – we can absolutely take time to seek out clothing and swimwear that doesn't distract too much or draw attention to our lines / curves so much so as it highlights our face and heart for the Lord instead. Here is a start!
We have hope for this struggle….
Therefore, we must willingly, lovingly put on Christ (our heart affection toward Him) the fruit of the Spirit, as we choose Him first, love Him above all. This is a reminder that we were bought at a high price, in blood, so that we could be transformed and renewed – we are no longer slaves to sin if we are in Christ.
In a nut shell….. this:
Instead of hating on, being angry at or holding a grudge against certain women that cross our paths…. as we grow in maturity in the Lord, we learn that Biblical modesty really isn't about piling rules on anyone's head. It's not about legalism, condemnation, judgment, or idolatry. Modesty is all about love. Loving and honoring God, and loving our neighbor as our self. It's about the Gospel that redeems sinners as Christ puts a new spirit and heart in us! It's really that simple when you think about it that way.
"Beware lest somehow this liberty of yours become a stumbling block to those who are weak." (1 Corinthians 8:9)
Therefore, as women of faith, let's help promote friendships and marriage, our own, as well as everyone else's as we joyfully submit to the Lord's authority on this issue and all others because we can mend our lives and potential relationships beyond our expectations with Jesus front and center!
Verses to meditate on (your sacred calling):
Modesty Lovingly Puts Others First (Our brothers, our sisters, and even those who are lost) Galatians 5:13, 1 Corinthians 8:9, Romans 15:1–3, 1 Corinthians 10:24; 13:4, Romans 12:10, Philippians 2:3, 1 Peter 2:17, Romans 14:13, 1 Corinthians 8:13, Matthew 18:6
Modesty Communicates the Purity of Christ and His Bride 2 Corinthians 11:2, Ephesians 5:27
Modesty Contributes to the Honor of Marriage Hebrews 13:4, 1 Peter 3:1-2, Malachi 2:15, 1 Thessalonians 4:4, Song of Solomon 2:7
Modesty is the Opposite of Pride, Vanity, and Self-Centeredness (giving all the glory to God) 1 Timothy 2:9–10; Psalm 115:1
Public Nakedness is Considered Shameful in Scripture Revelation 3:18, 16:15; Isaiah 47:3; Isaiah 20:4
Modesty Honors and Glorifies God Ezekiel 36:23, 1 Peter 3:2, 1 Corinthians 6:19–20, Titus 2:4-5, 1 Corinthians 10:31, Matthew 5:16, 1 Timothy 2:9-10,
Modesty is Part of a Woman's Call to be Chaste Titus 2:5
Further study indicates how males ARE effected by our bodies as females. As a wife and mother of all boys in various age ranges, I have a new perspective and appreciation for this subject of modesty from all angles now. It's important to realize our influence out there, even with our own families! Ultimately, it's about us and God/the Gospel that transforms us so radically, He gives us new affections as we trust in the Lord.
Therefore, let's be mindful about our behavior and dress around our male friends, other women's husband's especially and our son's too going forward. See videos and articles below, that explain clearly how and why men are effected visually whether we want them to be or not:
Secular Research confirms: http://www.cnn.com/2009/HEALTH/02/19/women.bikinis.objects/
6 Marks of Biblical Modesty – Excellent Study!: http://www.covenanteyes.com/2013/08/16/biblical-definition-of-modesty/
More Research / Survey's and Results from men: http://thesocietypages.org/socimages/2010/07/27/guys-on-immodesty-lust-and-the-violence-of-womens-bodies/


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I immediately started having IBS symptoms after taking in some herbal medicine about 4 yrs ago. I am still stuck with this Gas problem. I am a student and need some help; i can't concentrate in class; don't get into public places.......please help me...i'm a young man of 26....
Edited because of content... please read forum rules... thank you, dbab
Post Edited By Moderator (dbab) : 8/22/2007 3:04:38 PM (GMT-6)
Co-Moderator ~ IBS Forum
Co-Moderator ~ Lupus Forum
Dx: IBS 1989, Diverticulosis 2004, Idiopathic Acute Colitis 2006, UCTD 2007Meds: Plaquenil 400mg, Chlorzoxazone 500mg, Lyrica 50mg, Protonix 40mg, Naproxen 1000mg, Klonopin PRN, Miralax 17g, Supplementshttps://www.healingwell.com/donate
2400 mg Asacol + 500mg suppositories as needed
Digestive Enzymes
Probiotics + Bio Yougurt
1000mg Fish Oils a day
Aloe Vera
Anti Fungal Supplements & Caprylic Acid
Nexium 20mg a day
No Stress and a positive attitude (mostly!)


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Az online bankkártyás fizetések a Barion rendszerén keresztül valósulnak meg. A bankkártya adatok a kereskedőhöz nem jutnak el. A szolgáltatást nyújtó Barion Payment Zrt. a Magyar Nemzeti Bank felügyelete alatt álló intézmény, engedélyének száma: H-EN-I-1064/2013.
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wind-up paper butterflies are my fave (guest post from amelia)
I had a baby so I've invited some fave guests to take over for me while I spend time with the little guy. Today's post is from super crafter and cute mom, Amelia of The Homebook. Growing up, I had an aunt who lived in Canada. Every year for my birthday she'd send me a card and a fancy little gift. She always found the neatest things! One year, when I was maybe 10 or 11, she sent me another card—and when I opened it up, a paper butterfly fluttered out of the card.
how to make a miniature zoetrope
Here is quick and easy way to make a fully functional miniature zoetrope. You can put this together in half an hour (plus paint drying time) out of easy-to-find materials. I made this one out of an empty Ovaltine container.
ELECTROSPHERIC RAY GUN (a free papercraft model)
If you like keeping a ray gun handy, just to be on the safe side, then this electrospheric device should suit your needs quite nicely. It features a warmly glowing dial, handy control knobs, and it leaks very little radiation whatsoever (you'll hardly even feel it). This paper model measures 10 inches in length, stands 6.5 inches tall, and is sturdy enough to actually play with!
Butterflies Are Free...
so, in my usual wanderings i happened upon this butterfly wreath... very cute with all those little butterflies made of beautiful calligraphy and and vintage ads! but $25? nope...not going to spend $25 on something that i'm not quite sure i will adore... but i had a plan! {lazy girls always have a plan! usually it involves lying on the couch...but what do you think they are doing whilst lying on said couch...planning!
Paper Flying Disc
Pull the string and watch the Paper Flying Disc whiz and spin through the air. You can design all kinds of different flying discs and have your friends help you launch them. You can fly these discs inside or outside -- anywhere they can take flight and soar through the air. What You'll Need: Blue glitter glue penSmall wooden thread spool36 inches blue crochet threadMagenta pony beadScissorsRulerCraft knifeCraft glueTracing paperPencilCardstock (optional)
48 Ultra-Cool Summer Sites for Kids and Teachers
A good majority of northern hemisphere and international schools are winding down the 2011-2012 school year and doors will be closing as the students and teachers take off on their summer adventures. Here is a list of great sites for kids and teachers to keep you happily productive and learning this summer. These are in no way in any order of personal preference or coolness. Happy summer! 1. Magic Tree House
What This Man Does With A Piece Of Wrapping Paper Is Brilliant
When we first saw this man needlessly folding a piece of paper, we were perplexed. When we saw the final result, however, we were beyond impressed. This is a holiday life hack that's sure to improve your overall decorations. As we all know, wrapping paper is a holiday necessity.
Christmas Origami
Christmas Origami is such a wonderful activity for Christmas time... creating something beautiful with your very own hands while being with your loved ones – just perfect for this time of year! And the best thing about origami decorations and gifts is they are so cheap to make! Most of the models in the pictures below are made with scraps of gift paper, and leftover origami paper... and yet they look so lovely! Christmas is about giving your love and your time... so spend some quality time with your loved ones creating origami, and you'll find out for yourself what an enjoyable activity it is! On this page you will find all of these wonderful origami models to make and share, just scroll down to browse through :) Make A Mini Christmas Tree
To Make A Spacecraft That Folds And Unfolds, Try Origami
hide captionThe solar panels of the International Space Station (ISS) are just one example of the many kinds of fragile scientific instruments that require inventive packing and deployment tricks. The solar panels of the International Space Station (ISS) are just one example of the many kinds of fragile scientific instruments that require inventive packing and deployment tricks. Scientists and engineers at NASA are using origami techniques to help solve a fundamental dilemma facing spacecraft designers: How do you take a big object, pack it into a small container for rocket launch, and then unpack it again once it arrives in space — making sure nothing breaks in the process.


text: I am currious about general preference for the balance point on a gyuto. I prefer blade heavy knives, but it seems to me that most here and especially pros prefer more balanced feel where balance point is right under or very close to the pinch grip. With such balance the knife feels lighter, more controllable, but less powerful. So do most care or do you adjust to whatever


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- 3 beds
- 2 baths
- $260,000 price
- 219076766 mls id
- Year Built: 2007
- Status: Active
Here is your DREAM HOME! Situated on an elevated lot in the HIGHLY DESIRABLE GATOR CIRCLE AREA of NE Cape Coral! This is a quiet section of town where the homes are well maintained and more private. This home is an absolute GEM from start to finish! Very convenient access to the Pine Island Corridor where you can enjoy shopping and dining and quickly get to I-75, Punta Gorda Airport or RSW International Airport. This home was redone from the walls in and shows like a dream home! Walk in to a screened front porch with tounge and groove ceilings (also on the back oversized lanai!). Tastefully chosen luxury vinyl plank floors throughout which are spill and pet friendly and completed with 6 inch baseboards. Gorgeous custom entertainment center with mood lights and a built in fireplace! Custom bamboo blinds, decorative stucco bands on the exterior and an extra wide driveway. Gorgeous granite and top of the line appliances including a raised dishwasher & farm sink. Huge master suite with large soaker tub and walk in shower. Outside is all new sod with a beautiful white privacy fence. This is a MUST SEE IN PERSON. Lots of new construction in the area, but NOTHING quite like this!
Related Listings
34 Pictures
Close to the newest parts of Cape Coral, located just off Pine Island road where all the new shopping areas and eating establishments are located. If you have kids, you are close to Sun Splash water park! This house has a lot to offer everyone. In the main living room, there is a working fireplace...
317 Santa Barbara Blvd Cape Coral, FL
3 beds, 2 baths, $234,000
33 Pictures
Come see this beautiful home. This home has been miraculously maintained. Enjoy fresh mangoes from your backyard tree. Feel free relax in your large jetted tub while watching your favorite cooking show. Your dual headed walk in shower might be more convenient if your in a hurry to head to one...
3 beds, 2 baths, $234,300
23 Pictures
Beautiful corner lot home located in desirable SW Cape Coral. This 3/2 features an open floor plan with high ceilings, ceiling fans, and planter shelves. The split bedroom plan provides privacy for family members and guests. The kitchen and great room is open and airy with sliders opening to the...
3 beds, 2 baths, $234,900
14 Pictures
3 bedroom, 2 bath SAILBOAT ACCESS home only minutes from the River!! Home has great bones and is priced for quick sale! Newer A/C (2010), new roof & soffits (2016) & new electric panel/service (2018)! Newer paint inside and out! All terrazzo floors throughout and nice screened lanai with...
2822 SE 17th AVE Cape Coral, FL
3 beds, 2 baths, 1,393 sqft, $234,900
36 Pictures
A must see, please have a look in person, you wont be sorry ~What a wonderful move-in ready home. ~Mr & Mrs clean lives here. ~The first two rooms off the entryway, as you enter the home, offer a wide range of options to be used as: office, den, dining room, 4th bedroom, etc... ~3 bedrooms...
3 beds, 2 baths, $234,900
25 Pictures
NEW A/C SYSTEM 10-25-19! Resting w/in a privacy fenced lush tropical setting, this home is wonderfully located So. off Viscaya Pkwy in quiet neighborhood across the street from sail access waterfront homes. This caged Pool & Spa home has recently received lots of attention revealing fresh...
3 beds, 3 baths, $234,900
Courtesy of: Safe Harbour Realty Inc
Office Phone: (239) 258-7517
Listing Agent: Kasey Thompson
Updated: 10th December, 2019 3:24 PM.
1042 40th Ter Cape Coral, FL


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Michael Jackson accuser Wade Robson has been accused of splitting up Britney Spears and Justin Timberlake back in amid allegations they had a fling. According to The Sun: 'Britney and Wade.
Leaving Neverland accuser Wade Robson was dating Michael Jackson's niece for a decade and therefore couldn't have been abused by the singer, it's been claimed. Taj Jackson, the icon's nephew.
In this article we will address Dan Reed's documentary Leaving Neverland that features Wade Robson and James Safechuck and their sexual abuse allegations against the late Michael Jackson. Chapters: Problem: "Leaving Neverland" is blatantly and deliberately one-sided Claim 1: Wade Robson and James Safechuck did not have the opportunity to harmonize their stories. Choreographer Wade Robson went on record during Michael Jackson's trial on child sexual abuse charges and said Jackson had never assaulted him.
Wade Robson and James Safechuck have spoken out to detail a catalogue of abuse at the hands of the King of Pop Wade Robson and James Safechuck have spoken out to.
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text: Soldier F band named after ship used in 1914 UVF gun-running – The Irish News http://www.irishnews.com/paywall/tsb/irishnews/irishnews/irishnews//news/northernirelandnews/2019/08/13/news/soldier-f-band-named-after-ship-used-in-1914-uvf-gun-running-1683239/content.html https://www.paypal.me/KevinMeehanTwitterFacebookTumblrLinkedInMoreSHARE THISPrintEmailLike this:Like Loading... Related Author: seachranaidhe1 About Me I studied for six months training and became certified in Exam 070-271 in May 2010 and shortly after that became certifed in Exam 070-272. I scored highly in both Exams and hope to upgrade my path to M.C.S.A. ( Server Administrator ) in the near future.I also hold Level 2 Qualifications in three subjects Microsoft Word, Microsoft Powerpoint and Microsoft Spreedsheets. I have also expereance with Web Design using Microsoft Front-Page. View all posts by seachranaidhe1


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Watch this space for updates on special events at Borrel … and where to find us when we pop up around the city too!
We will be closed on Saturday November 23 for a private event. We apologize for the inconvenience.
Please note that we will be closed on Sunday December 1st for our Rijsttafel.
Next date: Sunday December 1 – 5 p.m.
Don't miss our popular monthly Dutch-Indonesian rijsttafel! More details here, e-mail email@example.com to book your reservation.
Board Game Take-Over!
Next date:TBA!
Join us for drinks, snacks and a wide variety of board games loaned to us by our friendly neighbours at Face to Face Games.
Bring Your Own Vinyl
We want to share our love of music with the community, and we are happy to invite you to bring your favourite records to share and listen to on our record player!
Coming soon: Trivia Night
Stay tuned for more details about our upcoming pub quiz!
Coming soon: Genever Tasting Night
Stay tuned for more details about our soon-to-be-announced genever tasting night!


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This was such a quaint little zoo, I defiantly recommend visiting if you're in the area. Feeling like you're in the middle of the woods when you're in the middle of the city is a difficult thing to achieve but, this zoo is quite a little gem inside Akron, Ohio Advertisements
Tag: photography
Snapshot Saturday: Thunderstorms and Lumo
I had the opportunity to visit the Grand Canyon with some of my cousins recently and it was one of the best experiences of my life. We drove up from Phoenix in the morning so we arrived by late afternoon. After driving from our hotel to the actual park, with myself and 5 of my…
Snapshot Saturday: featuring Alex Goetz and his adventures
I bet you thought I forgot about everyone's favorite blog day, snapshot Saturday! But never fear, my friends, I have a great feature in store for you today. His name is Alex Goetz, and his game is awesome photography and filmmaking. Alex is an Ohio native who's restlessness has taken him from Alaska, to the…
Snapshot Saturday: Am I actually missing the winter?
When you move to the desert and you're air conditioning stops working in 115 degree temperatures, it makes you miss the snow. There is seriously nothing I wouldn't do to have the sting of 30 degrees on my face right now. So while I was sweating my butt off, I found this picture from a…
Snapshot Saturday: How are you Lichen the summer so far?
I want to first apologize for not publishing this week, sometimes you need a few days to recharge and that's ok! But here we go again, my friends! This photo was taken on Thunderbird Mountain in December 2014, and it shows lichen growing on desert rocks. From my research, lichens growing on rocks have a…
Snapshot Saturday: And our first feature goes to…drumroll please!!!
Our very first snapshot Saturday feature goes to… Drew Russell!
Snapshot Saturday: Queens of Africa
I took this picture about a year ago right when Heart of Africa opened at the Columbus Zoo in Columbus, OH. The exhibit was brand new and the lions were still getting used to everything so they were very curious about everything going on on the other side of the glass. If you're ever in…
Snapshot Saturday is getting a little slimy
Toledo Zoo and Aquarium
Up-Cycling Thursday: Grandma's jewelry gets a twist
#ootd upcycling your summer style. Have an eco-friendly, fabulous, and thirsty Thursday!
Let's do some spring cleaning
New layout of Brookes WildLife