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Let's face it – stress can be problematic, particularly for a homebuyer who is competing with others to find the best house at the lowest price. Lucky for you, we're here to help you minimize the guesswork associated with purchasing a house, increasing the likelihood of a stress-free homebuying experience.
Now, let's take a look at three tips to help you enjoy a stress-free homebuying journey.
1. Study the Housing Market
The housing market conditions in one city or town may vary from the real estate conditions in another. As such, you'll want to assess the local housing market closely to identify patterns and trends. This will allow you to obtain comprehensive real estate market insights that can help you become a diligent homebuyer.
Of course, don't forget to analyze the prices of recently sold houses in your city or town too. This housing market information can help you differentiate a seller's market from a buyer's one so you can tailor your homebuying journey accordingly.
2. Prep Your Finances
Although you know that you want to buy a house as soon as possible, you still have no idea how you'll pay for a residence. Fortunately, if you prepare your finances today, you'll be better equipped than ever before to enjoy a stress-free homebuying experience.
Consult with a variety of banks and credit unions to learn about all of the mortgage options at your disposal. That way, you can explore a wide range of mortgage options and select one that matches your finances perfectly.
Also, be sure to ask lots of questions when you meet with lenders. These financial institutions employ friendly, knowledgeable mortgage specialists who can help you evaluate all of your home financing options. And if you ask plenty of mortgage questions, you can gain the insights that you need to make the best-possible mortgage decision.
3. Collaborate with a Real Estate Agent
If you want to avoid stress throughout the homebuying journey, it helps to hire a real estate agent. In fact, with a real estate agent at your side, you can get the support that you need to thrive.
A real estate agent will learn about your homebuying goals and help you map out a successful homebuying journey. As a result, a real estate agent will make it easy to identify potential homebuying hurdles and ensure that you can avoid such issues.
Furthermore, a real estate agent delivers extensive assistance at each stage of the homebuying journey. He or she will help you examine a broad array of houses and find a home that is right for you. Plus, after you discover your dream house, a real estate agent will help you submit a competitive homebuying proposal.
As you get ready to enter the real estate market, it helps to plan ahead as much as you can. Take advantage of the aforementioned tips, and ultimately, you can minimize stress as you proceed along the homebuying journey.
If you're a first time homebuyer and want to start weighing your mortgage options, you'll have much to learn. With so much at stake, you'll want to make sure you choose the best mortgage for you now, and one that will still suit your needs years into the future.
Sometimes, first time buyers are hesitant to ask questions they may consider too basic because they don't want to seem inexperienced to lenders, agents, or anyone else they'll be in contact with throughout the home buying process.
So, in this article, we've compiled a list of commonly asked mortgage questions that first time buyers might want to ask before heading into the process of acquiring a home loan.
What is the first step to getting a mortgage?
This question may seem straightforward, however the first step can vary depending on your financial situation. For those who already have saved up for a down payment and built a solid credit score, the first step is probably contacting lenders and getting preapproved or prequalified.
However, if you aren't sure about your credit score and haven't saved up for a down payment (ideally, 20% of what you hope to spend on the house), then you should address those matters first.
To find a lender, you can do a simple Google search for the mortgage lenders in your area, or you can ask around to friends and family to find out their experience with their own mortgage lenders.
What does it mean to be pre-qualified and pre-approved?
If you think of the mortgage process in three steps, the first step would be getting pre-qualified. This means you've given the lender enough basic information for them to decide which type of mortgage you're eligible to receive.
Pre-approval includes collecting and verifying further details. At this step, you'll complete a mortgage application and the lender will run a credit check. Once you're pre-approved, your file can be moved to the underwriting phase.
What are closing costs?
"Closing costs" is an umbrella term that covers all of the various fees and expenses related to buying or selling a home. As a buyer, you are responsible for paying numerous closing costs. These can include, but are not limited to, underwriting fees, title searches, title insurance, origination fees, taxes, appraisal fees, surveys, and more.
That sounds like a lot to keep track of, however your lender will be able to give you an accurate estimate of the total closing costs when you apply for your loan. In fact, lenders are required to give you a list of these costs within three days of your loan application in the form of a "good faith estimate" of the closing costs.
What will my interest rate be?
The answer to this question is dependent upon numerous factors. The value of the home, your credit score, the amount you put down (down payment), the type of mortgage you have, and whether or not you're paying private mortgage insurance all factor into the interest rate you'll receive. Interest rates also will vary slightly between lenders.
You can receive a fixed-rate mortgage that does not fluctuate throughout the repayment term. However, you also typically have the option to refinance to acquire a lower interest rate, however refinancing comes with its own costs.
Buying a home will likely be the most important and expensive purchase you ever make. And, although that might seem like a scary commitment, it's one well worth it. It's an investment in your future. There are many benefits or perks that come with owning a home.
Equity: Owning your own home typically comes with gaining equity. Every month that you pay your mortgage, you are increasing your equity. And as long as the market continue upwards, your home and the equity you've gained will hold significant value.
Privacy: Privacy is a large perk of owning your own home. This is more so possible when owning a single-family home in a rural location, but many duplexes and condos also provide opportunities for privacy. And in many cases, since you own the home,you can put up your own privacy such as planting arborvitae trees along your properties edge.
Tax Advantages: One of the biggest perks when owning a home is the ability to deduct mortgage interest on your federal income taxes. This will be a significant amount for the first few years of your mortgage, making this a huge benefit. Although, the amount of interest paid decreases over the years, there will still be deductible interest paid in the last few years of your mortgage.
Space: Houses will almost always provide you with more space than an apartment—and it will certainly have more space than your childhood bedroom. The space will be all yours, which means not having to share with other renters or your parents. Of course, home location and the market come into play here, but for the most part you will get more square footage for your money—as landlords charge high rents to cover things like water, electricity, snow removal, or still charge high rent prices and do not cover any of those other expenses.
No restrictions: There are many restrictions that come with renting or living in a condominium. These restrictions could include no pets, parking restrictions, outdoor updating restrictions and many other different types of constraints. When you own your own home, you make the rules. If you want to put up a fence, you can. And if you want to put an addition on your house, you can do that too. Just be sure to check with your town before beginning any construction projects.
Establishment: Buying a home provides you the ability to set down roots, to be established. Although, not a benefit to some, it is to many. Buying a home provides you with ownership and a sense of freedom. You now have the opportunity to invest in something that is yours. You can make updates to the bathrooms, add a pool in the backyard, and paint the front door any color you want—because it's yours.
A home is often the foundation of one's life and who can deny its appeal with these perks discussed above? So, what are you waiting for? Start your search today!
Once you have gone through the pre-approval process and have narrowed down your home search, there's a good chance you'll soon find a place that you want to make an offer on. This can seem like a huge step for any first time homebuyer. Even seasoned home buyers feel butterflies when the time comes to make an offer on a home they love. Before you even start your home search, you should become educated on how to make a good offer in order to land the property that you really want. There's so many factors that effect your offer including the surrounding properties and the current state of the market. Here are a few very important pieces of advice that you should heed in order to have a successful time securing a home and closing the deal.
Craft A Persuasive Offer
In many areas there's a low inventory of homes and a high number of those seeking to buy. This means that you're not guaranteed to get a property that you have made an offer on. Lowball offers might not be at all competitive and even insulting to sellers in certain markets. Often, you may need to make an offer of more than the asking price if you're in love with a home. By working with your real estate agent and doing the right research, you can craft an offer on a home that will be compelling for sellers.
Decide On Your Contingencies
Once an offer has been accepted, it's time to get to work on those contingencies. Be especially mindful of financing contingencies. If something falls through in the process, you'll want to be sure you can get the deposit you made back. Also keep in mind that sellers love reliable buyers who have already been preapproved.
Home inspection contingencies are another area of importance. After you sign the purchase agreement and the inspection is complete, you're allowed to ask the seller to make repairs or provide you with a counter offer. While this can be one of the more nerve-wracking aspects of home buying, it has many positives. Home inspections protect buyers from purchasing a home that they can't live with in cases of extreme mold, termites and other environmental and structural issues.
The appraisal contingency is also important. In order for you to qualify for a loan, the property must be appraised. The property must be valued at or above the purchase price. A loan will only be approved by a lender up to the appraised value. If your home loan is $400,000 but your home of choice is appraised at $390,000, you'll have a problem.
Your Finances Matter Until You Get To The Closing Table
Don't go crazy with all kinds of purchases before you reach the closing table. Opening a new credit account at your favorite furniture store, for example, could lead to a disastrous surprise on closing day. Hold off on big purchases until after you secure your home. Also avoid making large transfers or deposits from your bank account. don't do anything to negatively affect your credit score
Know What To Bring To The Closing
Don't show up to the closing for your home purchase unprepared. You'll need to have the following items:
- Photo ID
- Checkbook
- Cosigners
Think Ahead
Be sure that you think of the future when you're purchasing your home. You'll need to have enough cash flow to pay for things like property taxes, home insurance, utility bills and even new furniture for your home. Plan your future mortgage payments accordingly. Some companies have payments that are monthly or bimonthly.
While buying a home is a huge undertaking, with the right plans in place, the process will be as seamless as possible. With the right plans, the moving truck will be pulling into the driveway before you know it.
The process of buying a house can be long and difficult. Whether you're coming from an apartment or another home, you'll want to time your purchase and move-in so you're not paying for two homes at once.
What's more, there are several steps required in the homebuying process, all of which you'll have to give yourself enough time to complete.
In this article, we're going to talk about the timeline leading up to buying a home. We'll discuss how to figure out the amount of time you'll need, and give you some advice on how to be ready sooner.
Prerequisites to buying a home
Before you consider purchasing a home, you'll need to make sure your personal and financial life are ready for this commitment. Depending on what type of loan you are hoping to get, this could include saving as much as 20% of the cost of the home for a down payment.
Buying a home also usually requires good credit. If you have some issues with your credit history, you'll want to take time to improve your score so that you can get a better interest rate on your mortgage.
Once you've settled on moving and have a general location, it's a good idea to get pre approved for a loan.
Getting pre-approved for a loan is beneficial for a few reasons. First, it will let sellers know you're a serious contender for buying their home.
Second, it gives you one fewer thing to worry about when it comes time to make an offer on a home that you're interested in.
And, finally, pre-approval gives you a ballpark figure of the type of homes you can look at, saving you time when you're shopping around for a home by avoiding properties that are over-budget.
The pre-approval process ranges from lender to lender. It can take as little as three days if you provide all the necessary information immediately. However, in some instances it can take weeks, especially if there are problems with the documents you provided to the lender.
Time before closing
If you've spent a few weeks viewing homes and considering your mortgage options, you're likely getting ready to make an offer on a home. On average, this can take anywhere from 30-60 days.
The "contract to close" period can vary based on the type of loan you're receiving and the underwriting process involved in that loan. USDA-guaranteed loans, for example, require added underwriting and processing time.
How to close sooner
So your lease ends in a few months and you want to make sure you'll be in your new home before you have to move out. There are a few ways you can save time when buying a home.
First, make sure you provide your lender with everything they need to pre-approve you for a loan. Getting pre-approved quickly will save you a lot of time that is otherwise wasted while sitting around waiting for pre-approval.
Next, work with a real estate agent to find homes within your budget that are ready for move-in. Finally, be reasonable with your offer. Sellers, too, are typically on a timeline and will want to work with someone who is going to do their part to make the process as efficient as possible.


text: I'm moving to Cyprus In June 2011 and I have been looking for an Aikido dojo in the Paphos area for some time with no success. Is there a dojo in this area? Is there any Aikidoka living in the Paphos area that would be interested in training or opening a club? If there isn't a club maybe with the right people we could start one.

subset: commoncrawl


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Are success and happiness important to you?
Paradoxically, most people will respond with a sneer and an, "Of course!" You might even have said this in your head as you read these words just now.
The fact of the matter is that very few of us have the tools to do something about it. Consequently, we strive, throughout life, and do the best we can with what we have. Some of us do quite well. Some fall rather short. Too many settle.
But…what if there was a tool?
Introducing: EQ-i 2.0®
We all know that IQ is a rating of one's ability to think and reason. But, did you know that it is a very poor predictor of success and happiness? Even if it was, it wouldn't really matter because IQ is fixed. In other words, the IQ you're born with is the one you have to live with.
Not so with EQ.
EQ Facts
- EQ measures Emotional Intelligence.(See the components of EI in the EQ-i 2.0 wheel.)
- EQ can be developed throughout life when there is a conscious commitment to do so.
- Evidence has been stacking that EQ is a reliable predictor of success and happiness.
In other words, if you're not happy with your current level of happiness or success – as you define it – developing your Emotional Intelligence will help you get there.
This is why we like the EQ-i 2.0®.
Set Yourself Up For SUCCESS and HAPPINESS!
When you book your EQ-i 2.0® Assessment, you take the first step to improving the quality of your life. Research indicates that people who have a higher EQ :
- Communicate more effectively
- Have better relationships
- Are healthier
- Are happier
This is only one of the 20 pages of the EQ-i 2.0® Client Report you will receive after completing your assessment. Your Personal Development Coach will help you interpret the information so that you know exactly where your opportunities for growth lie.
Companies around the world as well as governments have been using EQ assessments like the EQ-i 2.0 for many years already.
Bluntly put, in the long run, they help to improve the bottom line. When corporate managers and leaders are encouraged and supported in developing their EI, they perform better, are more loyal to their employer, and are happier at work.
If this is where businesses are investing, shouldn't you?
The EQ-i 2.0 Assessment Package:
Your personalized EQ-i 2.0 assessment includes:
- Access to your online assessment questionnaire
- Personalized assessment report
- 1-hour debrief session with your Personal Development Coach
- A personalized development plan customized to your grow and glow points
Cost: $399
What Happens When I Book My EQ-i 2.0 Assessment?
- Once you've completed the survey, your Client Report will be generated automatically and forwarded to the email address you provided. Your assigned Personal Development Coach is the only person, other than you, who will see your Client Report.
- Within one (1) business day, a Personal Development Coach will touch base with you to set up your 1-hour EQ-I 2.0 debrief. During this meeting, with the assistance of your Coach, you will identify your EI glow and grow points and draft a personalized development plan.
- If you're a DIY type, you'll be free to work on that plan on your own. If you need further support, we have ready-made Coaching Packages and customized options based on your needs as well.


text:
Add To Cart
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America the Beautiful: Rediscovering What Made This Nation Great
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Product Description▼▲
In America the Beautiful he turns his attention to many of the issues facing America today--healthcare, education, capitalism and more, to explore what is great about our nation, and what needs to be addressed. You'll gain new insights on our nation's origins, our Judeo-Christian heritage, our educational system and more. America the Beautiful is a stirring manifesto of the values that have shaped America's past and must shape her future. You'll be inspired to heed the call to use your God-given talents to improve your life, the nation, and our world.
Product Information▼▲
|Format: Paperback
Number of Pages: 205
Vendor: Zondervan
Publication Date: 2013
|Dimensions: 1.10 X 6.10 X 8.10 (inches)
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Publisher's Description▼▲
What is America becoming? Or, more importantly, what can she be if we reclaim a vision for the things that made her great in the first place?
In America the Beautiful, Dr. Ben Carson helps us learn from our past in order to chart a better course for our future.
From his personal ascent from inner-city poverty to international medical and humanitarian acclaim, Carson shares experiential insights that help us understand
… what is good about America
… where we have gone astray
… which fundamental beliefs have guided America from her founding into preeminence among nations
Written by a man who has experienced Americas best and worst firsthand, America the Beautiful is at once alarming, convicting, and inspiring. Youll gain new perspectives on our nations origins, our Judeo-Christian heritage, our educational system, capitalism versus socialism, our moral fabric, healthcare, and much more.
An incisive manifesto of the values that shaped Americas past and must shape her future, America the Beautiful calls us all to use our God-given talents to improve our lives, our communities, our nation, and our world.
Author Bio▼▲
Benjamin S. Carson, Sr., M.D.
Dr. Carson is an emeritus professor of neurosurgery, oncology, plastic surgery, and pediatrics at the Johns Hopkins School of Medicine. In 1984, he was named director of pediatric neurosurgery at Johns Hopkins Childrens Center from which he retired in 2013. In 2008, he was awarded the Presidential Medal of Freedom. Through his philanthropic foundation, the Carson Scholars Fund, he strives to maximize the intellectual potential of every child. Dr. Carson has written six best-selling books, including two New York Times Bestsellers, America the Beautiful and One Nation: What We Can All Do to Save Americas Future, which became a number one New York Times bestseller. He is a syndicated columnist and a highly sought-after, inspirational, and motivational speaker.
Candy Carson is the co-founder (with her husband Ben) of the Carson Scholars Fund, a charity that recognizes and rewards high academic achievement and demonstrated humanitarian qualities. This organization was created in response to the US crisis in education. With the over 4300 scholars in 42 states, peers of the scholarship winners are now striving for higher academic results as well. Candy also serves on the board of the Shriver Concert Series of Johns Hopkins University. She has worked in editing, trust administration, insurance, and real estate, having earned her Masters in Business from Johns Hopkins. While her 3 sons were in their early teen years, she along with them formed the Carson 4, a string quartet which has performed at churches, and community and charitable events, nationally and internationally. In her spare time, Candy still enjoys reading books and reading music on violin and piano. She writes for THINK BIG, the newsletter for the Carson Scholars Fund, and conducts the University of Maryland Medical Center Chamber Players.


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THE best AUDIO PRODUCTSFROM everywhere in the WORLDIt's a bit of film, or a bulge of audio of a cleaning soap opera if i'm correct. The unggoy find it uncommon as a result of its a human artifact that few other unggoy can every possess.
The playstation 2 doesn't include a tough thrust, and no representative video games can walk heavily music from one. Unofficial (homebrew) software can. The playstation 2 does help playing CDs that are contained by an Audio CD (not MP3) format.
How can i exploit media audio? ffmpeg ,128questions on Wikianswers Add New page Edit Edit sourceHistoryTalk 0This question is awaiting an answer...Please leave this field blank except you might be answering the question. don't ask questions you already know the answer to. thanks.Retrieved from " " Ad blocker interference detected! Wikia is a spinster-to-use site that makes cash from promoting. now we have a tailored experience for viewers utilizing ad blockers Wikia shouldn't be accessible if youve made additional modifications. take away the custom ad blocker annals(s) and the page donate timber as anticipated. classes : Un-answered questionsAdd category CancelSave
Apple has so they say added support for lossless FLAC audio files inside iOS 11, in line with experiences fromReddit userswho munch installed copies of the developer beta, noticed through the subsequent web. http://mp3gain.sourceforge.net/ , FLAC information can be synced to an iOS device through iCloud impel, then accessed via thenew information application , which can permit for native playback of the high-high quality audio recordsdata directly by the side of the system. If pure, it would print the first years that Apple has offered help for the popular FLAC post format by an iOS system.FLAC is by way of far the most popular lossless commonplace until , anybody hopinsideg to lossless, uncompressed audio by the side of an iOS machine had to use Apples personal ALAC format, which unlike FLAC is supported by means of iTunes. And while by the side of paper theres no problemconverting bye lossless poststylishness to a different without losing quality (therefore the time period lossless), FLAC is passing through far the extra standard commonplace, for that reason its nice to day that Apple is finally supportinsideg it inside thereforeme fashion. That said, the news update indicates that FLAC recordsdata solely business in the recordsdata utility, not in the Apple Music app. This makes sense, given that may likely specify a extra major revisi to iTunes as effectively to help FLAC information to sync them. still, even if Apple doesnt offer that performance in the future, not less than audiophiles seeking to play their FLAC collections on Apples devices could have a meal consequentlyme passionaround when iOS eleven launches this decrease.


text: Home / Brands / Konfidence / Konfidence Neo Nappy - Clown Fish Konfidence Neo Nappy - Clown Fish £10.00 Stock Status: In Stock Size: X Small - 0-3 Months Small - 3-6 Months Medium - 6-9 Months Large - 9-12 Months X Large - 12-18 Months XX Large - 18-24 Months Information Worn over a normal swim nappy, our NeoNappy neoprene swim nappy cover provides that all-important extra layer of protection, giving you peace of mind when you enter the pool with your baby. So, how does it work? Well, the neoprene construction provides a soft, stretchy, impermeable shell, while the close-fitting waist and leg hems offer a good seal around the tummy and legs. All of this adds up to no rubbing or chaffing of delicate skin, and peace of mind that any little accidents are contained. The Konfidence NeoNappy is approved for use in all major swim UK baby swim schools, making our neoprene nappy cover the essential baby swim product. Care Instructions The Konfidence NeoNappy should be washed in cold clean water and hung to dry in the shade. It can be washed at 30°C, however please do not use fabric conditioner. Do not tumble dry and do not iron. If the nappy cover is used in the swimming pool or sea, chlorine and seawater can have a bleaching effect on the colours and damage Lycra threads, so to avoid degradation please rinse out in clean water as soon as possible. Please do not leave in a warm or hot car without rinsing first, as this can increase the chance of chlorine damage. Materials The major components we use are nylon for the inner and outer shell, laminated to soft stretchy 1.5 mm neoprene. The hems are high grade Lycra. Construction The NeoNappy is constructed to allow a snug fit around the legs and waist of the wearer. Testing The Konfidence NeoNappy has been independently tested to ensure that the materials are free of toxins and any banned substances. Reviews Not yet reviewed Write an online review and share your thoughts with other shoppers! Be the first to review this product


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Sons of Noel and Adrian
Anyone a fan here? I am a massive uber huge mega in love. Seen pretty much all there gigs last year and a few times before that. Probably my favorite band in the country on record and live. Anyone else with me!
have they released anything?
i was blown away when i saw them with laura marling.
They have an album
and a 7" actually both are amazing. They are working on new material for a release early next year too I think.
There are paypal links on the myspace maybe... at least for the album for sure.
Yes, they're wonderful
probably even better live than on record. Put them on a couple of times and both times they've been captivating.
Great band. I have their album/7", and ep from before the album (although they ended up being album tracks anyway).
They're playing a free gig in the foyer of the Barbican on the night of Efterklang's gig. It should be a great evening!
I'm definitely
Going to see them in Barbican Foyer yay!


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What is crowdfunding? Why do we crowdfund? How will it shape the future of the independent creative industries?
Bees Make Honey are currently one third of the way through our first experiment with crowdfunding, a publishing project called The Dust on the Moth, so I thought it was a good time to have a blog-style brainstorm about this topic. If you're already plenty familiar with Kickstarter, Indiegogo and the likes of Just Giving, you can skip the intro and go for the meaty bit.
What is crowdfunding?
I've been asked this by my retired parents and also a friend my age via text message, it's not that easy to explain (especially via text), so it's a fair question. The most typical form it takes is the one Kickstarter has made famous. An individual or collective (like ours) pitch a project to the online community (the crowd) in order to receive funding. They state what the project will achieve. This can either be a physical product or artwork like a book, an album, a film or an innovative piece of design or tech like Ototo (see below), or it can be an event, activity or positive outcome such as a music festival or exhibition.
The idea is that you pitch to the general public to invest modest amounts of money, rather than pitching something to investors, a bank or a funding body like the Arts Council. However the caveat with Kickstarter (and most other crowdfunding platforms) is that you have to reach the financial target you've set yourself, in order to prove the project is popular enough. It's gauging demand before you supply. If you don't make the financial target and thus prove the project is likely to be unsuccessful due to the response, then nobody loses money on the investment.
'It's gauging demand before you supply.'
In some respects crowdfunding has always existed, it's just crowdfunding platforms and the internet have altered the structure of it and made it much more public. Just ask Spike Lee who claims his early work was essentially crowdfunded.
What's in it for the investors?
There are two main motivations for putting your money in a crowdfunding campaign. One is the rewards and the other the feeling of being part of something. Most campaigns have different tiers of reward according to how much you invest. The rewards can be all sorts of things such as a thank you gesture, a physical product (like the finished book), or an experience (like our more expensive rewards 'Shoot the team!' aka laser quest or 'Die in the book!'). In the case of it being a physical item, it's like pre-ordering something before it's been made. You do generally have to wait many months to get your mitts on it, but you get the added feeling you had a hand in making it happen.
'In the case of it being a physical item, it's like pre-ordering something before it's been made. You do generally have to wait many months to get your mitts on it, but you get the added feeling you had a hand in making it happen.'
This involvement in the story of something coming to be is the most powerful thing about crowdfunding. The internet has brought a huge amount of power into the hands of its users (for good and for ill). Rather than leaving us at the mercy of those with power and influence to decide what products we want and what things we'd like to see happen, crowdfunding is a opportunity to vote with your pocket money. Rather than hoping that new band you really like gets signed to EMI so they can put an album out or that creative project gets funded by the Arts Council you can chip in to help these things happen. In fact with all the cuts to arts funding and the like, if you can prove the popularity of a project through crowdfunding, the Arts Council themselves are more likely to invest.
Isn't this just another type of begging?
Yep, crowdfunding is people asking for money and you don't always get something in return for that money. But really doing a funding application to get a grant is also begging. And that money is often also coming from the public purse, it's just that this way the audience actually get to choose how their money is spent. Want to save that homeless hostel that 'austerity' is forcing closure upon? Try crowdfunding. This is why many charities as well as small businesses pick this route.
'But really doing a funding application to get a grant is also begging. And that money is often also coming from the public purse, it's just that this way the audience actually get to choose how their money is spent.'
It also means that you can gather word-of-mouth and publicity while a thing is still being developed. Many PR companies are beginning to look to it more as a publicity tool than a mere funding stream. And here there is abuse of the system with projects that are already fully funded using it as a tool to get more money and more column inches. I won't mention examples because that would be giving them more publicity!
But isn't crowdfunding just a hipster fad?
Yes and no. The popularity of crowdfunding has spread at a similar speed to finely sculpted facial hair and craft beer, and tends to get in the news as part of the 'hipster-bashing' that has become a popular British pastime. Look no further than Channel 4's coverage of that Cereal Killer cafe in London (the cafe had a not-so-successful Indiegogo prior to opening).
In fact Brewdog, one of the main reasons craft beer is now so popular in the UK, kind of crowdfunded their insatiable growth through their Equity for Punks scheme. This wasn't through a crowdfunding platform though, but simply an ingenious thing they made up themselves. Rather than going to big shot investors in suits, they asked their fans to buy shares. But these shares can't be sold on the open market, only at certain times through their own system. It's easy to take the piss out of the hip, but there's some genuine innovation happening in amongst the beard growth.
In some spaces crowdfunding has reached the level of overkill and I'm sure plenty of people are already sick of it. Many campaigns rely too heavily on a novelty-factor than can so quickly wear thin. Plus asking for money is cringe-worthy both for the asker and the audience and the more often you're asked for money the less likely you are to give because it's annoying. I can't stand chuggers because I pass them every day. Case in point.
"But I genuinely think that crowdfunding is a revolutionary force for the creative industries in particular. Putting more power in the hands of niche audiences upsets the system we're so sick of."
But I genuinely think that crowdfunding is a revolutionary force for the creative industries in particular. Putting more power in the hands of niche audiences upsets the system we're so sick of. The system than delivers insipid lowest common denominator art forms over and over again: endless sequels and remakes from Hollywood; manufactured pop backed up with a tabloid-friendly sob story from The X Factor; badly written erotic novels destined to become badly written erotic films. All this stuff will still exist of course, because there is a huge audience for it. But there will be more variety in between. More people with great ideas able to make it happen. I wouldn't expect that to disappear any time soon.
By Kirsty Fox, creative producer with Bees Make Honey Creative CIC
So here's our Kickstarter video, if you like what you see, maybe you'll chip in. Or give us a tweet. Or just send us positive vibes.[kickstarter url=https://www.kickstarter.com/projects/beesmakehoney/the-dust-on-the-moth/]
P.s. If you're interested in crowdfunding for the independent music scene, there's some great points made in our The Future of DIY panel discussion here.


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Follow ME @THEREALPAIGION
(RO) – The legendary pop singer had sought a facelift to be performed by a Beverly Hills, Calif., plastic surgeon.
But Dr. Marc Mani, a board certified plastic surgeon, refused to perform the procedure on Houston after she didn't pass the medical clearance exam that tests a patient's heart, lung and liver, according to a source.
"She was concerned about her appearance and wanted a facelift," the source said.
Dr. Mani refused to confirm to RadarOnline.com whether Houston, 48, who was found dead in the bathtub of her suite at the Beverly Hilton on Feb. 11, had attended his clinic, citing federal medical privacy laws.
Speculation has grown over Houston's cause of death, which has not been determined pending the outcome of toxicology tests that could take up to six weeks.
Dr. Mani said he would not "overindulge" celebrities by allowing elective surgeries to go ahead if they did not pass medical clearance.
"As a plastic surgeon who treats a lot of celebrities you have to be very strict about medical clearance," Dr. Mani told RadarOnline.com.
"Medical clearance includes a very thorough battery of tests including heart tests, lung tests, liver tests and other laboratory tests.
"These situations make you aware of the need for a wake up call to many physicians who are over-prescribing medications to celebrities to keep them on board. That shouldn't be the standard."
Dr. Mani said physicians should be held to a higher standard.
He added, "In the years past, I have cancelled surgeries based on medical clearance both for celebrities and other patients. I feel very strongly about celebrities' being overindulged by physicians, I treat a lot of them and care for them."
Meanwhile, the Los Angeles County coroner's office has issued subpoenas for medical and pharmacy records from Houston's doctors and medical providers.
Via: IFWT


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Wednesday, June 17, 2009
Poem: The Fence
You walk in the early morning,
through the town rife with history,
the old homes with their white clapboard
punctuated with flowers,
and the unnaturally perfect green grass
until you come to the fence,
once proud and strong
like your own spirit,
but now blown by wind
and worn by age,
its paint flaking,
leaning to one side,
no longer a fortress
but instead a gate waiting
for the next storm
to push it aside
and open the gardens within
to every passerby,
a gateway about to open
the beauty beyond
to everyone,
and suddenly the fence
is more beautiful
in it's fragility,
more perfect
than it was ever meant to be.
The picture was taken in Wells, Vermont. You can click on it for a larger version.
10 comments:
- Choices said...
Lovely poem. A wonderful way to express the signs of aging.
- Wednesday, June 17, 2009
- willow said...
I agree. This fence is much more lovely than a pristine one. I'm trying to embrace my age with grace, but unfortunately it's not always easy in this society.
- Wednesday, June 17, 2009
- Tom Atkins said...
This is one of the things I find fascinating and wonderful about poetry - how it touches people in places that the writer so often never intends. I didn't have aging in mind at all when I wrote this, and yet that is clearly what it says to at least some of you. I love that!
- Wednesday, June 17, 2009
- Shadow said...
love the turnaround! gimme that fence any day.
- Wednesday, June 17, 2009
- Nivea Snow said...
Tom, it is true that this too reminded me of my grandfather whom was quite aged as I remember him and I only knew him for a brief period of time. In that time as I look back I see the words of your poem paint a picture of him in my mind. How beautiful his soul was and how beautiful the soul of The Fence.
- Wednesday, June 17, 2009
- Derrick said...
Hi Tom,
Although you may not have intended it, your poem does speak of age. If not the aging process itself, then perhaps that with age we soften a little; don't maintain such a strong protective shield around ourselves and therefore provide glimpses of the inner person. That our fragilty is becoming.
- Wednesday, June 17, 2009
- Gerry Boyd said...
"and suddenly the fence
is more beautiful
in it's fragility,
more perfect
than it was ever meant to be."
That's just magic, a moment frozen in time.
- Wednesday, June 17, 2009
- The lady in Red said...
Dear Tom, very inspiring Poem. It is impressive how you can take great ideas from simple things of life. The fence really reflects our age. Fortunately, there are Gyms, many activities that we can do for us to keep "fine", lol, I liked your post very much!
Best wishes,
- Wednesday, June 17, 2009
- Jenny said...
I stumbled upon your blog and found the posts very intersting and well-written indeed.
I love how this poem goes through different passages and how the fragil fence no longer is able to hide: "the beauty beyond". It reminds me of how flowers sometimes start to grow up from the asphalt.
- Thursday, June 18, 2009
- FireLight said...
"a gate waiting for the next storm"...
The longer we weather storms, the stronger we become in spirit, even if the storms leave their mark on us or take some of our newness away...true of people, houses, fences, and ancient oak trees...
This is a fine effort, Tom.
- Friday, June 19, 2009


text: 자료를 가져오고 있습니다. 잠시만 기다려 주세요. 이화보이스 Updated : 2018.12.11 Tue 17:34 Home 기사 (전체 398건) [Social Issues] The Real Living Patriots of Our Society In society today, there are many social issues that arise from the neglect of our neighbors; problems that exist because other people seem i Ewha Voice 2006-05-03 [Social Issues] Being a True Diplomat "A true diplomacy" is how An Mi-kyoung (Inha University, 2) describes VANK, a diplomatic mission that informs undistorted history and knowle Ewha Voice 2006-05-03 [Social Issues] Are 19-Year-Olds Qualified to Cast Their Votes in Elections? The local elections to be held on May 31 are still 60 days away, so there may be many Ewha students who have hardly given them a passing tho Ewha Voice 2006-04-05 [Social Issues] Exchanging Love Through Mentoring They often say that money determines a student's academic ability in Korean society. Many students receive expensive tutorial lessons and nu Ewha Voice 2006-04-05 [Social Issues] Students and Diplomacy This is what you will frequently find on the website's board of the Korean University Students Politics and Diplomacy Research Association ( Ewha Voice 2006-04-05 [Social Issues] Working Women Need More Support The year 2005 will be remembered for various gains in women's rights. The Ministry of Gender Equality and Family was launched and hojuje, th Ewha Voice 2006-03-02 [Social Issues] Are More Women Leaders Expected in the Twenty First Century? "Name me a president,"someone asks. "John F. Kennedy," one answers. "Nelson Mandela,"another replies. Not too many will, however, refer to f 임리영 기자 2006-03-02 [Social Issues] Chasing Philanthropic Deeds this Winter by Volunteering Overseas After college students are finished with their long-dreaded yet almost cathartic encounter with finals, a whole three months of jolly winter 임리영 기자 2005-11-30 [Social Issues] Korean Studies to Embrace Globalization Beginning with new student admission this November, the Department of Korean Studies has been affiliated with the Graduate School of Interna Ewha Voice 2005-11-30 [Social Issues] World Knowledge Forum 2005 Opens With high expectations in the midst of great anticipation, the World Knowledge Forum (WFK) 2005 was launched on October 10 at the Walkerhill 임리영 기자 2005-11-02 [Social Issues] Looking for Improvements in Academic Exchange The academic exchange system with Yonsei and Sogang universities was started in the spring semester of 2004. It includes a system of exchang Ewha Voice 2005-11-02 [Social Issues] Business Contests Give Boosts to Careers People say that it is really hard to get a job these days. Even if a student gets good grades in college, it is still hard for her to attrac Ewha Voice 2005-11-02 [Social Issues] A Call for Suicide Prevention The college campus has long been the epicenter of energy, hope, and passion for the next generation. Yet this image of dynamism and cheerful 임리영 기자 2005-10-05 [Social Issues] ◆ Experience the Mongolian Community in Korea◆ Hovering over the glass counter at the Mongolian kiosk, I pick out a pack of 'Orbit' gum and ask the price. "1,000 won," comes the reply fro 이은아 2005-10-05 [Social Issues] Student Activism Undergoes a 21st Century "Paradigm Shift" Thirty years ago, students fervently fought established military regimes with raw rice wine, Molotov cocktails, and endless debate about Kar 임리영 기자 2005-10-05 [Social Issues] Women Defectors Torn by Both Sides Every year, more and more refugees from the North make their way to what they hope will be a better life in South Korea. And increasingly, m 임리영 기자 2005-09-01 [Social Issues] Student Teachers Uplift Educational Enviroment The Seoul Metropolitan Office of Education launched two programs for university students in the beginning of this year, allowing students to 임리영 기자 2005-09-01 [Social Issues] ◆Experience the Filipino Community in Korea◆ Floods of Filipinos - street vendors selling almost everything from fresh vegetables and coconut juice to CDs of Filipino music and even DVD Ewha Voice 2005-09-01 [Social Issues] Reaching for Unification from the Heart During the summer vacation, many students spend their time tutoring high school or middle school students, taking part-time jobs, studying f Ewha Voice 2005-09-01 [Social Issues] Wholesome Summer Wanted? Internship Abroad may be the Key ▲ Yoon explores the life of a scientist as an intern at Norwest Labs in Canada. They say a person's college days are her only chance to pure 임리영 기자 2005-06-01 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 About Ewha Voice Youth Protection Policy Email Address Privacy Guidelines Established June 4, 1954 and published bi-weekly by Ewha Womans University. 11-1 Daehyeon-dong Seodaemun-gu, Seoul, Korea 120-750 TEL 02-3277-3169 | FAX 02-313-5194 Copyright © 2008~2010 Ewha Voice. All rights reserved. E-mail (firstname.lastname@example.com) Youth Protection Officer : 장재원


text:
Antonio (Know)- LTW- Max skills
Benedick (Fam)- LTW- Reach Golden Anniversary
Beatrice (Fam)- LTW- Graduate 3 kids from college
Initial wishes to buy new clothes, mp3/phone/game, sneak out, college, tell inside jokes. (teens). Antonio- to skill, talk to someone and meet someone new.
Benedick met several people but was very taken with walkby pizza delivery girl Jane Jalowitz.
Antonio and Beatrice were happy with their new clothes and found some friends to chat with.
The kids got haircuts and they all discussed why home cooked food is so much better than takeaways. ;)
As it's Autumn the family decide it's thinking caps on and skill away.
Nature loving Benedick starts a garden while his Science loving dad looks to the skies.
Although Beatrice had an intial wish to go steady with Hal (after their date at his place) she only had 1 bolt with him, and so after bringing home several friends from school she found she was very much more attracted to Keith here.
Antonio reached the top of his career after meeting someone new at the community lot who happened to know his boss so said they'd put in a good word for him.
He was so excited he bust a move in front of one of his colleagues!
It seems that sneaking out with Mallory Mace is more of a race than a sneak!
and often ends in the same result. She's trouble that girl!
The week ends with Antonio maxing his skills and getting his lifetime want!
I moved the Monty's this round and so far so good!
Antonio- wanted to reach TOC, skill, skill and skill some more. Also had wishes to buy an ant farm, a pc and learn physiology.
Benedick- wanted to sneak out with Mallory, tell inside joke, make friend, get skill and (daily) to talk to Bottom. Each time he talked to her he afterwards rolled a college wish, but never woke up with it.
Beatrice- meet someone new, entertain, skill, talk to Bottom (daily), invite a sim over, learn Fire Safety.
Not a lot of pictures but a productive week here with skilling and forming friendships for the future! I think the twins have found their mates, but we'll find out next time. :)


text:
Design Considerations: What do these boards give you?
Today's design thought to mull over: The Game Crafter's boards are super inexpensive to put in your game box. What can you do with a flat piece of cardboard (0r 4)? It can be a player mat, a player aid, a communal score sheet, an open market, an auction house, a map unto itself, a portion of a "map" (like in Reiner Knizia's Lord of the Rings), or a character sheet. What if you stacked the boards on top of each other? What if you rearrange how they appear in relation to each other? What about using single cards on a board to show various statuses or input-output relationships? Is there room for stacks of cards on or near your boards? How big a table can your game cover? What's the most fun you can put into a small physical space?


text:
I was not going to use this blog to talk about transgender issues or theory because part of the reason I started this blog was to extricate Feminism away from the constant and regressive issue of transgender identity politics. But then Chimamanda Ngozi Adichie suggested that trans women and women have different experiences, and that she never really equated trans women completely with female born women. She also refuses to use the word "cis" because it is not part of her vocabulary. Immediately she was attacked by trans gender activists and their Liberal Feminist allies – people claiming to be intersectional but in reality demanding she cave to Western transgender theory, even if it means denying the biological reasons for patriarchy. And today the attacks continue, including this bizarre comment:
"But this dialogue is not an expectation for Adichie to be perfect in her articulation because she as a cis woman has the power to appropriate a trans woman's womanness."
I literally cannot figure out what the fuck that means. What exactly are we appropriating from trans women? Perhaps she means their stories, by denying their identity of trans women as the same as female born women? But that's not the definition of appropriation. Adichie is also pointing out a fact: Caitlyn Jenner in no way lived "as a woman" before her transition. She may have "felt" like a woman, but that doesn't mean the world treated her as a woman. And he took FULL advantage of the privilege bestowed on white men. And I say "he" because I don't believe in retroactively assigning gender to someone who was so steeped in male privilege. One can even say the way in which Bruce transitioned into Caitlyn was steeped in white male privilege: all the money she was able to spend on her transition was a DIRECT benefit of her decades-old status as a white alpha male in the good old boys club.
So, Adichie pointing out that "feeling" like a woman is not the same as actually "being" a woman, and thus being treated as a second-class citizen, is not appropriation. It is stating a fact that attributing patriarchal experience to a "feeling" is disingenuous and inaccurate. Even Jazz Jennings (and I will touch upon her again later) experiences male privilege because she does not have a reproductive system that someone can own. She does not have to worry about pregnancy in a world in which being pregnant can reduce you to the status of an incubator (and no, the sad feeling of not being able to reproduce because you are male is not the same). Yes, she is oppressed as a trans girl, BUT she can still escape the ultimate trappings of the patriarchy: reproduction. In fact, in a bizarre twist of male privilege, Jazz actually talks about how she is convincing her sister to carry her future baby for her and says, quote, "We'll take my hubby's sperm and throw it in there and fertilize it." So, in this bizarre breeder scenario, Jazz still gets the freedom of her own body with the assumption her sister will have no problem acting as the incubator of her hubby's sperm. Of course, Jazz's sister may not view it this way, but the fact that no one is pointing out the the ways in which this statement mirrors male reproductive control of females and the assumptions attached is disturbing – particularly the words "throw it in there," which sound like a reference to a building, not a human body.
But modern transgender theory focuses "feeling" and "identity" along with "cissexism" over actual sexism as the reason for the patriarchy. Julia Serano has even gone so far as to say that the hatred of femininity is what causes and maintains the patriarchy, not sexism itself. What she completely fails to realize is that the femininity to which she refers is femininity constructed by WESTERN patriarchy – specifically, upper class patriarchy.
If this is true, than by golly, let me dress like a man! Guess what? When I was a tomboy I was still considered "just a girl". When I exercise outside, dressed in "masculine" clothing and using "masculine" body movements, I am still objectified and obnoxiously cat-called. Furthermore, if patriarchy was about feelings over biology, then why the fuck haven't woman been able to "feel their way" out of patriarchy? Why do women still get raped when they take on the most masculine role of all – joining the military?
Because patriarchy is about biology. It is about men oppressing women and controlling their bodies and autonomy BECAUSE OF THEIR BIOLOGY, NOT BECAUSE OF THEIR FEMININITY. Serano is correct in that femininity is seen as negative because of it's relationship to women. But what she misses is that the uterus, ovaries, birth and menstruation are seen as INCREDIBLY negative, and throughout Western history have been considered inferior to male reproductive organs – even viewed as existing as a punishment to women for imagined past transgressions. These biological functions have been yielded against women as recently as Hillary Clinton's failure to win the presidency because people didn't think a woman could handle the job. Not because she IDENTIFIED as a women. In fact, many people considered her less of a woman and more like a man because she is "cold" and "calculating." No, she wasn't considered able to handle the job because of female hormones and perceived lack of control due to estrogen and menstruation. It didn't matter how "masculine" she presented herself – she still had estrogen and Aunt Flow to contend with, and that was the deal breaker (despite the fact that she undoubtedly is post-menopausal).
Now, I understand that there are women who are naturally into maternity, knitting, and other stereotypical female activities, and that is fine. But these same women may not be FEMININE – they may hate makeup and heels and feel most comfortable in in jeans and combat boots. There is nothing inherently female about the image with which this post opens. The femininity many prominent trans women talk about is a very WESTERN stereotyped femininity. All you have to do is witness Laverne Cox's actions in her show "TRANSForm Me" to understand that when modern trans activists talk about the essence of womanhood, this is to what they mostly refer. You can blame it partly on the media, but Laverne Cox and other trans leaders are fully embracing this Western form of femininity as essential to womanhood. Please note, I am not judging the actual preference for this femininity. I am critiquing it as the current transgender definition of womanhood.
And yet this femininity is not universal. In fact, femininity is not universal to patriarchies. There are VERY patriarchal cultures in which women perform hard labor all day and thus are quite physically strong. These women also in no way come across as feminine – they have wrinkled skin, no makeup, no heels, etc. They are not "dainty," as Jazz Jenning's coach described the way in which she ran and thus marked her as a girl, and they are not "girly." Their clothes might be different from men, but these clothes may not necessarily be what we think of as feminine. In hot climates, they actually may not wear much clothing at all. But they are still oppressed – because their culture believes that as a class that is FEMALE – that is, the class that gives birth, that has female genitalia and reproductive organs – they are inferior to men, can be beaten by their husbands, can be raped by their husbands, and basically married off to their husbands when they are children. In some cultures women are not feminine because they are required to cover themselves so completely (think Taliban) that they have no identity with which to publicly present as feminine. It is the biological female, not femininity, they are attempting to erase, and to conflate the two as Serano and other transgenderists do is completely counter to what Feminism has been trying to accomplish for half a century.
Thus, modern transgender theory posits a very rigid form of binary gender roles. They THINK they are being non-binary, but in fact they are upholding the very stereotypes feminism has been trying to escape. And I say "modern" because the whole "female brain in a man's body" is relatively new. This isn't how trans women originally described themselves, and not all trans women adhere to this line of reasoning.
And this line of reasoning has absolutely no science to back it up and is regressive to women's rights. Although I originally supported Jazz wholeheartedly, I cringed at her use of "a woman's brain." For one thing, a "woman's brain" was and still is the reason for considering women inferior. A "women's brain" was used to justify oppressive treatment of women. For another thing, there literally is no "woman's brain." Modern transgenderists cherry-pick brain studies that have found sex-based brain differences as proof that women's and men's brains are wired differently. This isn't true. Any differences between men and women's brains are due to averages. Thus studies have found that men and women's brains are more similar than different, overlapping in ways that make male and female brains indistinguishable from one another.
So what do we do? In order to truly accept the ideology of Julia Serano, Jazz Jennings, and Valli (source of the above quote), I have to not only throw out everything I know about the patriarchy according to anthropology, I have to throw out everything I know about science. In order to truly be trans inclusive, I have to suspend facts and material realities and accept "feelings." Despite the fact that these "feelings" are not even shared universally among trans women. Miranda Yardley and Aoife Assumpta Hart are two trans women who consider themselves Feminists but do not view the gender dysphoria as a "women's brain in a man's body." They see it as an issue of faulty synapses (which frankly sounds more scientifically plausible).
There is one other thing I would have to throw out to accept modern transgender theory: my own fucking experiences. Transgenderists assume that their "feeling" is due to some biological innate knowledge of being "woman" – thus they were never "biologically male," although the question then becomes from what did they transition. But what innately makes you female? Because for me, it sure isn't anything "taught" by Laverne Cox on TRANSform. Growing up I was a tomboy because I reveled in my athleticism and strength, and had no interest in hanging out with girls that sat around and talked. I had no interest in makeup, and still have no interest in makeup – I eventually started wearing lipstick and mascara to conform, and I continue to wear to make my eyes look more green (which has to do with being unique, not feminine). I wear platforms – but so did men in the 1970s. The above picture, which Cox and her cohorts push women on her show to imitate, looks like a physical nightmare that will only restrict my movements and feel unnatural. Furthermore, I have the stereotypical male traits of dominance, analytical reasoning, aggression, etc., and when I publicly speak I am apparently very matter of fact and distant – which feels completely natural. So please tell me – what in this situation translates into "a woman's brain?" Nothing. Nothing at all. Everything that Cox and Caitlyn and to a certain extent Jazz – makeup, "girliness," heels, etc. – promote were used to change me from a free-wheeling tomboy to an over-sexualized teen. Guess what? That was fucking miserable. I do not relate to this version of being a woman. But I don't feel like I have a "man's brain" in a women's body. And even as a tomboy I was never able to escape being a girl – which by my preteens I desperately wanted to do. I even scratched the words "I want to be a boy" onto the wall in my parent's upstairs bathroom. Because as a female I was expected to be feminine, and for me, femininity was miserable. In other words, being born with a vagina sucks in our society and no amount of being a tomboy changes this.
So, to conclude with my experience, this wasn't an example of a girl believing she was a boy. It was an example of a girl wanting to be gender non-binary, and eventually having femininity in the gender binary ingrained into her by society at the expense of her mental health. And transgenderism is EXCEPTIONALLY binary. One thing that has changed my mind about Jazz Jenning, for example, is the fact that she doesn't necessarily want "bottom surgery." In other words, is this really about a "girl's brain in a woman's body," or is it about a boy whose personality and sexual preferences led him to a "feminine" lifestyle and possible homosexuality? Many trans women are okay with their male genitalia, although they still want to erase biology by insisting people refer to their penises as female. Let's be clear – trans women such as Miranda Yardley don't consider themselves biological women because no matter what they do to their bodies, it is impossible, so they instead view themselves as transsexual – which is ACTUALLY being gender non-binary, as they are thus males living "feminine" lives.
That is actually revolutionary in the true sense of Feminism. Trans women such as Miranda Yardley recognize that although dressing in a stereotypical feminine manner makes them feel better in terms of their gender dysphoria, it does not make them the same as biological women. It is also important to note that these individuals are not nearly as stereotyped as Laverne Cox and Caitlyn Jenner. They are truly living gender non-binary lives and truly breaking down restrictive ideas of gender for both women and men.
I am glad I found these gender apostates, as they call themselves, because I have finally found a way to support trans folks without throwing away everything I believe to be true about science, anthropology, patriarchy and my own experiences. I am also beginning to agree with them that Jazz's whole transition happened too early. I may not agree that it entails child abuse, as some of the trans women on the website actually called gender apostates believe, but it does bring up ethical questions about having children undergoing treatments for which we do not know the outcomes. Yes, she could be suicidal – but it seems the vast field of psychology would be a safer bet to deal with such thoughts rather than treatments and surgeries that could be harmful, especially to pre-pubescent children.
So, to circle back to Adichie. I stand by you, Chimamanda. I believe that patriarchy is the result of biology, and we cannot just erase biology to prioritize Western feelings and gender identities. I do not believe there is a "woman's brain" or universal feeling of being a woman. I do not believe trans women and women have a completely "shared experience," nor do I believe solving trans issues solves women's issues.
I believe that feminism must prioritize females, as does Adichie and all the gender apostates, and that if this is "trans exclusionary" – well, all movements are "exclusionary." Movements are created to solve certain problems, and if a movement suddenly started accommodating and equally fixating on everyone's issues, that movement is now useless to the people it was meant to originally serve. I care about trans rights, but I believe the trans movement is the movement in which these specific rights should be centered. Sure, Feminism and trans rights overlap in some aspects – but they are far from the same. I also strongly believe in abolishing the structure of binary gender – and I strongly believe that current transgender theory strongly reinforces it to the possible detriment of females.
No other movement has been demanded to be as accommodating to possible conflicting interests as the Feminist movement. Although transgender activists claim to be supportive of feminists and Feminism, they respond to ANY dissent, including thoughtful statements such as Adichie's, with reactions ranging from accusations of "betrayals" to threats of rape, assault, suggestions to commit suicide, doxxing, gas lighting, and slurs like TWERF.
And you know what's worse? Many on the left and many Liberal Feminist completely ignore this violence towards dissenting women – yes, I am referring to females – and often join in, slinging accusations of TWERF and, in Adichie's case, continually demand they "clarify," which is code for agree, while completely discounting what has been said.
If anyone has been doing appropriating, it is the modern transgender activists such as Julia Serano, Laverne Cox (who insists trans issues should be in every aspect of feminism) and this Valli of the above quote.


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MA1 15kg Weighted Training Vest
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text:
SRI Team
Kristine's role at the SRI draws together her background at a Global 500 technology company, her experience in the not-for-profit sector, and a desire to make a positive social impact. Kristine worked for 15 years at Hewlett-Packard, managing large-scale engagements for clients in a diverse range of industries. She held leadership positions in account management, program management and business development. Prior to joining the SRI, Kristine worked in event management at MS Research Australia; as well as volunteering to provide fundraising, events and marketing services to a number of charities and organisations in her local community.
Emma Peleg began her career as nurse educator and senior intensive care nurse. In recent years she has worked with start-up medical device companies, supporting clinical trials and leading the implementation of innovative heart and circulation equipment in hospitals across USA and Asia-Pacific. Emma's has built up a broad-ranging skills-set that includes project management, stakeholder relationships and content development. She is an active volunteer in The Global Women's Project and is currently completing a Diploma in Project Management. She is excited about the SRI's Collaborations Project and its potential to improve the lives of those living with spinal cord injury.
Deirdre Mori has over 15 years experience working for the City of Melbourne, Department of Premier and Cabinet and the National Gallery of Victoria in developing corporate partnerships and individual giving. In this role she has worked with many of Australia's blue chip corporations including Foster's Group, Bluescope Steel, CGU Insurance, Macquarie Bank, Ernst & Young, Tattersalls and ANZ to name a few. A former student of Dame Joan Hammond, she has a passion for opera and the fine arts.


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Hi there, I'm wondering can anyone give me advice on parental leave. My DS has severe speech delay & he is being assessed for Autism. We are quite sure he has Autism, but maybe high functioning. I need to take him to assessments twice a week for the month of Nov & Dec & then he will start preschool after Christmas. The problem is my mum minds our kids about 30min drive from our house & the assessment for my DS is 30mins drive in the other direction. So my DH will drop my DD to school & I will have to go the other direction with my DS. The problem is there are 4 of us in my department. One is going on mat leave soon, the other has been on parental leave for the past year & has been granted more leave, so I'm assuming I will be rejected for this reason. What I'm wondering is, do I have any extra grounds to get parental leave due to my DS appointments for therapy? I'm at a loss as to what to do. If I don't get the leave I'll have to go job hunting. I can't see any other way. My holidays are used up for the year, so I can't take holidays to cover these appointments. I only found out today that he needs these assessments, & they start in two weeks so I don't have much time. ThanksFor any help.
Thanks for the replies, I thought as much really. Unfortunately my mum can't take him as it's about 40 mins drive from her & she hasn't a car. Also she needs to stay around to collect my DD. It's a big mess really, but don't we always get there in the end. Thanks again though.
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Hmmm... It turns out that my kid has better timing that I do... You see, tonight he asked me to print out a paper he typed up for English class. As I printed out his paper, I started reading it. As you can see here, he wrote up a summary of our duck hunting trip before I have.
Below is a copy (exact.. Not a single change made) of his version of "Duck Hunting 2009"
Duck Hunting - 5th hour English
Have you ever gone Duck hunting? Well I have, and it was so fun that it was like taking the funest thing you have ever done and multiplying it by five. Although it was a long drive to stay for three days. We stayed at my Dads friends' cabin. By the end of this story you will know so much about the trip it's almost as if you where their with my dad, me, and my dads friend all in a in the duck boat.
First part about my trip you need to know about is the drive their. Let me tell you without saying something ells that it was boring! It unfortunately was an entire three and a half hour drive. Although we had things in the cat to do, it all got boring after about two hours. The ride got longer, and longer as if it would never ever end. Finally about 9:00 pm we got their, and we where way to tired for our own good.
The very next day my dads' friend said "its chore day since the hunting opener is tomorrow." Just the thing I wanted to do today" I replied quite annoyed. Then my Dad said "well nobody wants to do them but they have to be done." "Well no one wants to do them less than me I replied. But he was right. But chore day is a day at the cabin where if there is anything that needs to be done, for example wood cut for a fire. No but their was plenty of wood, so we got the very wonderful job of taking down the metal dock that weighs about 200 pounds. Finally we get it done and we could have fallen a sleep on the floor we where so tired. It was good to get the dock job out of the way.
After chore day we got up at 4:30 in the morning to get dressed for hunting. We loaded up the boat and set off to find a good spot. Boy was it cold driving the boat to the the spot. You could feel the cold air rushing past you as you sat in the boat. We finally find the perfect spot just around 6:00 after we set out all the decoys. We sit their in the quiet, so quite that you can here your own brain more than you can here anything ells. It was around 7:00 when splash a wood duck landed right in my firing zone. Then I picked up my gun and bang I killed the duck. About 8:00 we headed in and I was the only one that got one. Boy was I proud of myself.
The last day we where their we went out the same time and where ready and waiting the same time. Except this time I went with my dad's friend and my dad went alone. I didn't see anything in my range, but my dads friend did and bang he got one two. About an hour later at 8:00 we where about ready to pack up when bang bang. Two shots went off around where my dad was, and sure enough he got one as well. We got in the boat, picked up the decoys and headed for where my dad was and we saw him holding a duck. We went in and packed up. We where going home.
We packed up the car, and some how we all got in. After checking the cabin and making sure it was locked we got in the car and…my dad lost the keys again. We looked fore about 15 to 20 minutes when suddenly…he found them in his pocket. Then my dad's friend said " you know what some things never change." "No they don't I replied with a smile and got into the car as. I took one last look at the cabin as we drove away.
This story means a lot to me because we only go up to the cabin once a year. What means even more to me is that it showed me how to enjoy what nature has to offer. Most people do not take the time to stop and think about what life really is. I used to never enjoy nature because I didn't think I hade than patients for it, but it turns out I do. I Hope you enjoyed reading this story as much as I enjoyed telling it.


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After my last post my hubby and I got to talking about our current TV situation and have decided to cut our cable. There are several factors that went into this decision.
1. Cable is expensive. We really only watch about 5 stations but are paying for way more thanks to the wonderful bundle systems that all the cable companies do now. If we could pick and pay for exactly what we want only, then we would probably keep it.
2. Were paying for alot of junk! There are some really inappropriate and just plain stupid things on TV these days.
3. Having cable makes it really easy to just turn on the TV and watch things that I ordinarily wouldn't bother with. How many times have you said, "There is nothing on TV..." and yet it stays on and you watch something that totally bores you anyway.
I know that I am going to go through a major adjustment period with this. I have always had cable and I am pretty use to just flicking it on our of habit. It'll be much easier for my husband, who grew up without it.
Before you think we are being all crazy drastic... I will tell you what our new plan is.
After much research and suggestions from other friends we have decided to buy the Apple TV this weekend. This way, our absolute favourite shows can still be watched via Itunes (there is only 3 shows we regularly watch and they are all availible this way.) Thanks to my ipad we would have the option of also streaming anything onto our TV through station apps such as CBC and Global. We are also planning to subscribe to NetFlix mostly because of the large amount of family content that is available on it.
Going this route will be saving us almost $60 a month... pretty substantial in our books!


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Happy Christmas!
Hey folks,
Okay okay...I know I said I'd update this thing a little more often and never did, my bad!
Where to start since my last blog? A lot has happened and it has been in a similar trend to the rest of my year; up and down! The European Championships finished with me getting a bronze medal! I really pulled that one out of my hat as my prep was awful, but guess it turns out that all those Omniums I did pre Olympics didn't go to waste. At this point my memory is a bit rusty! From what I remember I headed straight back to Mallorca and used the Velodrome and sun wisely, next stop was Manchester, the home of British cycling.
With the usual routine of travelling a mere formality these days I was soon in Manchester and getting ready for another jam packed race weekend. On my cards was, 4k pursuit, points race and scratch race. Obviously going into the weekend the scratch race was my main event but as in life things change. First up was the pursuit qualifier and I wasn't at the races at all. Halfway through it was in trouble and reverse gear was engaged! No bueno! With the 4k done and no chance of a final, immediately followed the points qualifying! I don't know why I do it as it's just unhealthy! I started that heat with the sweat of the pursuit still pouring out of me and it hurt! Somehow I qualified, I won a sneaky sprint which placed me 10th out of 10 qualifiers, close! The day was average so far and I was in danger of becoming average at everything but the points race final soon turned that around. I still felt pretty rough and the race was a battle of will because I was close to packing it a few times as the speed of the guys early in the race had me under pressure. Thankfully I hung in though and at about half distance the other guys were not so quick and I started feeling better. Honestly at this point I can't really remember exactly what happened but I won the last 3 sprints by the fact I was off the front and charging for home. I need to thank David Muntaner who had the strength to ride with me and pick up points. Without him there and riding with me the Olympic champion Hansen would have won the race.
The points race result really lifted the pressure and the next days scratch race was more enjoyable. The problem was I'd left my legs on the track the previous day and my result was crap! I can't even remember it was that bad! I was soon heading home and I had a couple of weeks to be there and enjoy the normal life again. As with a lot of my details I can't really remember what I did but I hung out with Grace as much as I could.
Before I knew it I was back on the road again, next stop Ghent, cycling mecca! With the decent results I'd picked up, I'd got an invite to the annual Ghent 6 day track meeting. This was awesome, stuff I'd read about in magazines when I started cycling and now I was one of the lucky few!! I got myself there early so I could ride the track before race day and my first impression were "what the f**k!"... It's a mini track, 166 metres around and the banking was seriously steep. You could nearly lie on it and be standing up if that makes sense! As most of you know my race came to an abrupt end on the first night. I'd done a few races and shown my partner Marc Hester how rusty I really was. It was a shock to the system, the extra g force, the extra leg speed was killing me. Unfortunately I never got time to adjust and I was back on the deck again! In a blink of an eye I had went from mid exchange to sliding along the track in agony. I rarely moan and whinge but this hurt! I'd hit my hip that I broke in March and my leg was totally dead, agony! I made a pathetic attempt to get back on my feet but it was never happening, I was stretchered off to hospital. Thankfully X rays showed nothing broken but I was in a bad way.
As I type this three weeks later, I'm still feeling the effects! The race didn't go the way I had imagined but it could have been a lot worse. From what I've been told Luke Roberts crashed 10 mins after me and broke his femur and collarbone. When I heard this I stopped whinging!
What happened next was a reminder that life goes beyond cycling. While I was feeling sorry for myself in Ghent I got some bad news from Grace, her father Joe had taken a turn for the worst. I got myself to the airport and on the next plane home. Joe had been battling cancer since the start of the year. A battle that I was convinced he was winning. He did everything he needed to and along with his wife Breda they were doing an awesome job. They'd totally changed their lifestyles around, educated themselves and learnt nearly everything about the disease. From alternative to conventional they worked out what was best for them and ran with it. Joe never missed a day at work and very rarely said a thing about the disease he had. I am heartbroken to say that after a peaceful last few days on this planet Joe McNally passed away. He had all his family with him and it's something I will never forget. I regret never telling him how I felt, he was my best pal and I owe him so much. Himself and Breda gave me help and encouragement when there was no one else willing. The saddest part for me was that life goes on:-(
Within 2 weeks I was back on a plane and heading for a UHC team get together, the first for the 2014 squad. I reckon I was pretty mellow and was just going with the flow. It was great to catch up with everyone again though. Some of the guys I hadn't seen in 12 months!!! In this time, the team has gone from strength to strength; there's a new UHC women's team for 2014 which just shows UnitedHealthcare's commitment to the sport, along with all the other sponsors. I'm really looking forward to getting stuck in this season. I owe the team a lot for keeping me on, especially given the current state of professional cycling.
Today I was announced as BBC Northern Ireland's sports personality of the year. It has been a crazy 2013...World Championship Gold, World Championship Silver, European Bronze, World Cup Gold and 2 National Golds!! I want to thank BBC NI for this award, it is fantastic recognition for everything that has happened in the last year and also for the sport of cycling which has been going through a resurgence in popularity. I'm really looking forward to 2014 with the Commonwealth Games, the World Championships and hopefully the Giro d'Italia.
I've said it before but I'll say it again! I hope to keep this blog updated regularly next year, let you guys and gals know what happens when it happens!
Merry Christmas folks and have a happy new year!


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DIY Madness + Table ProgressJuly 28, 2008
In an earlier post I mentioned that I had picked up a "Fixer-Upper" cherry table set from a nice lady who had run out of storage space for her pre-depression era, family antique.
So I spent many hours in my unventilated basement, huffing fumes, and stripping the former shellac off the wood. Only to find that what was a "solid cherry table" was actually a cherry veneer on the top, solid cherry on the table legs, and then a "fruit wood" on the remainder of the table and the chairs. Not really a big deal, I got the set for dirt cheap, and it is a beautiful design. With this in mind, I decided that it would be impossible to get the non-cherry wood to match the cherry top. So I threw all caution to the wind and decided to paint the chairs black, with black accents on the non-cherry parts of the table. Tres chic.
Above is my table after 6 coats of a rub-on matte polyurethane finish on the top, and two coats on the legs.
These are the very awesome chairs that match the table. They still have to be re-glued and fixed up a bit (one of my mom's builder friends is reconstructing the support beams on one of the chairs for me!) but once they are in tip-top shape I'll paint them black. The design-ey fabric is from IKEA. Who knew that their apholstry fabric was so affordable and sexy?
And finally, here is my table in all of its splendor, with 7 coats of polyurethane on the top, 4 on the legs, and the first coat of matte-black.
Once this is finished, I'm going to send it to Design Sponge's before and after. I think I have a good sporting chance.


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The basic abilities required to ride dirt bikes are quite obvious:
Balance is the most obvious of the basic skills. You need to be able to balance on the bike and keep it upright or leaned over in a variety of conditions.
Riding motorcycles requires more focus than say walking, that much is obvious. As you progress to offroad riding, the need to stay focus is much higher, due to irregularities, obstacles and other green things trying to take the bike from your control.
You need to be able to maneuve the bike and pick it up when you drop it.
Endurance comes into play more during races, but also in the beginning. Beginners tend to get a lot more tired and fast. You need to put up with it long enough to get the experience...


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Have you ever tried to find a stylish or even cute white distressed furniture. At this time, we need to bring some imageries to bring you perfect ideas, look at the picture, these are excellent galleries. We like them, maybe you were too. White distressed furniture, Romantic curves distressed finish give artful bed vintage feel wood planking headboard adds heirloom appeal constructed crafted kiln dried frame handcrafted using panel construction details.
You can click the picture to see the large or full size picture. If you think this collection is useful to you, or maybe your friends you can hit like/share button, so other people can inspired too. Right here, you can see one of our white distressed furniture collection, there are many picture that you can found, don't forget to see them too.
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A church in Watervilet, NY that may be demolished is the focus of an asbestos investigation by the state Department of Labor (DOL) amid concerns it may contain the mesothelioma-causing fibers.
St. Patrick's Church sits on 3.5 acre property that is currently in the process of being potentially rezoned for business so Nigro Companies can build a supermarket. The church is currently being deconstructed and would be demolished to make way for the structure if the town's City Council approves the rezoning.
However, following a visit to the church by DOL investigators, concerns were raised about potential asbestos products that could be present in the church. Michael Manning, the Mayor of Waterlivet, told the Times Union that he had been told by the church's reverend that an issue had arisen with asbestos.
If asbestos is found in the church, extra precautions would have to be to safely remove the deadly fibers from the site. Furthermore, the discovery of asbestos could also raise concern among some of the church's congregation that regularly inhabited the building about a potentially increased risk of developing mesothelioma.
If you or a loved one has been exposed to asbestos and now suffers from mesothelioma, call Sokolove Law today to learn more about pursuing a mesothelioma claim.


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Now that Breaking Bad is a hit, advertisers are paying network rates for the right to air ads in the final episodes. The shift suggests that once-underdog channel operators such as AMC Networks (NASDAQ:AMCX) are becoming TV's new power players, says Fool contributor Tim Beyers in the following video.
Call it an Apple moment for cable TV stocks, in which one-time laggards rise to become leaders. We've known this was coming for a while.
Earlier this year, Morgan Stanley published a report that showed broadcast TV ratings have declined 50% over the past decade. No wonder ad rates are normalizing. Audiences are going outside the Big Three networks to get their fill of quality programming.
AMC benefits more from the shift than peers, Tim says, by acting more like Showtime and HBO while still catering to advertisers looking for edgier fare. The network derives roughly 42% of revenue from advertising as of this writing.
Comcast (NASDAQ:CMCSA) also benefits from the shift via NBCUniversal's interests in Syfy and USA Network. Both advertising-supported channels have found niche hits in the likes of Defiance and Suits, among others. Is now the time to be betting on either of these cable TV stocks? Both? Tim answers these questions in the video, so please watch.
Fool contributor Tim Beyers is a member of the Motley Fool Rule Breakers stock-picking team and the Motley Fool Supernova Odyssey I mission. He owned shares of Apple at the time of publication. Check out Tim's Web home and portfolio holdings, or connect with him on Google+, Tumblr, or Twitter, where he goes by @milehighfool. You can also get his insights delivered directly to your RSS reader.
The Motley Fool recommends AMC Networks and Apple and owns shares of Apple. Try any of our Foolish newsletter services free for 30 days. We Fools don't all hold the same opinions, but we all believe that considering a diverse range of insights makes us better investors. The Motley Fool has a disclosure policy.


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Thank you for spreading the word about Kraft Outlet and The Kraft Journal, we're looking forward to giving away this fantastic prize!


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Finance Resources
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26W030 Armbrust Avenue
Wheaton, Illinois 60187
Kaylin Goldstein312.506.0200
26W030 Armbrust Avenue Wheaton, Illinois 60187
School Assignment Data provided by the National Center for Education Statistics
Half Baths1
Property TypeSingle Family
Gorgeous newer construction home in Wheaton! Beautiful kitchen ft granite counters, new backsplash, stainless steel appliances - top end GE refrigerator w/LCD screen for pictures. Huge family room with gas fireplace and 9' ceilings. Large deck off kitchen perfect for entertaining. Upstairs ft large bedrooms all with walk in closets and custom blinds. Expansive master suite ft ensuite bathroom with granite vanity, double bowl sinks, stand up shower and soaking tub. Walk into your dream size master bedroom closet fully built out with custom shelving and organizers. Large partially finished basement with drywall perimeter, 9' ceilings and roughed in plumbing. GE washer/dryer ft steam technology & two car garage. Professional landscaping. Minutes to downtown Wheaton restaurants, shopping, train and walkable to neighborhood prairie path. Located in Wheaton school district and unincorporated tax area for lower taxes.
Full Features
Architecture Style: Traditional
Exterior Type: Vinyl Siding,Stone
Basement: Partially Finished
Beds Above Grade: 4
Beds Below Grade: 0
Cooling System: Central Air
Heating System: Gas, Forced Air
First Floor Master Bedroom: No
Fireplace: Yes
Pool: No
Age: 1-5 Years
Parking Type: Garage
Parking Spaces: 2
Roof Type: Asphalt/Glass (Shingles)
Room Count: 8
Water Front: No
Square Feet: 2,613
Tax Amount: $9,232
Tax Year: 2015
Internal Features: Vaulted/Cathedral Ceilings, Hardwood Floors, 1st Floor Laundry
External Features: Deck, Porch, Stamped Concrete Patio
Taxes & Assessments
Taxes: $9,232
Listing information updated today (01/17/2019)
Wheaton has racked up more than its share of awards. The affluent community ranks among the "top 25 highest earning towns" and one of the best places to live by Money magazine. The Wheaton Public Library is regularly ranked among…Learn More
School District(s)
Elementary School
Carl Sandburg Elementary School
Middle School
Monroe Middle School
High School
Wheaton North High School
School Assignment Data provided by the National Center for Education Statistics
View More Area Schools
Nearby Public Transportation
Union Pacific West, Milwaukee District West
at Winfield (1.50 miles away), Winfield Metra