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A Study into the Seldom-Discussed Realm, "the other side of sex tourism"
I first traveled abroad nearly two decades ago (wow, how time flies!!). Back then, I spent over a year exploring and experiencing the wonders of Southeast Asia. The vast majority of my time was spent in Thailand, because I lived there as an exchange student in a Thai university.
As someone who was raised a sheltered American and did virtually no research prior to my trip, I was woefully unprepared for what I encountered throughout Southeast Asia and especially Thailand. I found many of the unexpected sights simply flabbergasting. Among them was the incredible abundance of sex tourists. Just about everywhere I visited, even so-called "off the beaten path" spots, I'd be almost guaranteed to encounter a sex tourist 'couple', usually an older Western man with his decades-younger local 'girlfriend'.
Behold, the universal stereotype of the sex tourist: Western men (usually some combination of elderly, unattractive, overweight, or awkward) who travel to poor countries to either pay for prostitutes, or 'attract' a needy local girl looking for a sugar daddy.
Males hold a near monopoly on the sex tourist industry and have rightfully earned this unsavory reputation. However, there are always exceptions. Today I'd like to discuss the other side of the spectrum: females who travel abroad primarily for one thing: sex with underprivileged locals in developing countries.
My First Encounter With a Female Sex Tourist
My friend Sam and I, returning from a visa run to Myanmar, had just settled into a rustic bungalow in the town of Ranong, Thailand. We were enjoying an early afternoon beer out on the porch when our neighbors showed up: A masculine Caucasian woman, clearly a butch lesbian, along with her partner, an attractive young Thai beauty. As the pair ascended the steps towards their bungalow, the Western lesbian glanced over and gave us a knowing smirk. Sam and I, in disbelief, exchanged curious glances but withheld comments for the moment.
Awhile later, as young men often do, we went out looking for local girls ourselves (of the non-prostitute variety). Sadly for us, our expedition proved unsuccessful. Eventually we called it a night and returned to our bungalow, where we were kept awake long into the night by the unmistakable sounds of loud love-making coming from the lesbian 'couple' in the next hut over. Each time the Thai babe loudly moaned with pleasure, or whenever their bed began creaking rhythmically, Sam and I cringed.
Neither of us were homophobic; on the contrary, we actually developed a fledgling respect for the Female Sex Tourist. If Western men were going to invade the region and exploit local women, why couldn't Western women follow suit? I wondered if she'd paid for her companion straight up, or if it was more a sugar-daddy (mommy?)-type arrangement. I'll never know for sure.
What Makes a Female Sex Tourist?
My tale of the lesbians in Thailand aside, most female sex tourists are actually heterosexuals in search of male companions. According to Wikipedia, there are three primary types of female sex tourists:
- Traditional Sex Tourists: These women basically are the counterparts of male sex tourists commonly found throughout Southeast Asia: their primary objective of traveling is to visit a poor country where they can take advantage of cheap prostitution.
- Situational Sex Tourists: Women traveling for the usual reasons (work, leisure, experience) who aren't planning on paying for a male prostitute, but are exposed to them in one way or another (either propositioned directly, seduced somehow, or simply engulfed within the culture) and eventually decide, "Ey, what the hell? I'm on holiday!" and subsequently indulge.
- Romance Tourism: Women who travel to poor countries not necessarily to pay for sex with a prostitute, but to find a mate which breaks the traditional conventions of their home cultures, and hopefully 'fall in love' with an exotic partner.
It's worth noting that male sex tourists can be placed into the same categories. I've met many fellow travelers who'd never pay for a prostitute straight up, but would always be down to hook up with a needy local if the situation presented itself.
Southeast Asia is full of Western men who have married local women. Some of these relationships were spawned in the comforts of a brothel, while other couples met over dating websites or more traditional (and less sketchy) methods.
Source: wikipedia.com
VERDICT: Using the above categories, how would I rank the lesbian sex tourist in Thailand? I can't be sure, but she probably fell into the Traditional Sex Tourist category.
Female Sex Tourist Hot Spots
When you're in Southeast Asia, particularly sex tourist hot spots like Bangkok, Pattaya, Phuket, Cebu City, or Bali, you'll see no shortage of male sex tourists. But where are the primary centers of female sex tourism?
Central America and the Caribbean
Along the touristy coasts bordering the Caribbean Sea, from the islands to the Central American mainland, roam young local men. Usually quite buff and well-toned, these youngsters spend their days strolling along the beach and selling refreshments and cheap souvenirs to tourists.
However, many of them have a thinly-veiled side job: If they spot an unencumbered Western woman lying alone beneath an umbrella, especially if she's older and relatively unattractive, the men will saunter over and begin their flirtations, which will soon lead to blunt propositions. More often than not, neither party leaves disappointed.
These Caribbean gigolos are called 'Rastitutes' or 'Beach Boys'. Usually black fellows with long, flowing dreadlocks and stone-hard six packs, it's not uncommon to witness a short meet-and-greet conversation, followed by them walking off with elderly or overweight Western women. Destination: the woman's suite at her nearby resort.
Sometimes the tryst is a brief, one-time occurrence where the Beach Boy departs soon afterwards (with a 'donation'). Often, he becomes the woman's de facto 'boyfriend' for the duration of her holiday. The gigolo will accompany his benefactor to the beach, for meals and excursions. In these situations, it's an unwritten rule that the woman pays for everything. It's just part of the business arrangement!
When I was traveling through Central America, I first noticed the phenomenon on the islands and along the coast of Belize. I saw my fair share of 'couples' in the Caribbean regions of Guatemala, Honduras, and Costa Rica as well. They almost always consisted of an older or mediocre white woman, with her black boy toy by her side.
Unlike Southeast Asia where nearly all sex tourists are male, in the Caribbean region the vast majority will be female. While I haven't witnessed it firsthand, I've heard the leading sex tourist hot spots in the Caribbean are Jamaica, Cuba, and the Dominican Republic. But there's no shortage on the Central American mainland as well.
Dex, a Belizean Beach Boy
During my stay in Belize, I became acquainted with a cool local dude named Dex. We met on a basketball court (Belize is one of the few places in the world where I can hold my own in basketball with a group of tall, musclebound black men!) and became fast friends.
Dex was extremely friendly and we hung out a lot during my four-day stay on his island (Caye Culker, a popular locale for Western tourists). A few times he'd join me on the beach. We'd just chill and hang out, but whenever an older Western woman passed by, he'd quickly excuse himself and saunter over to her. He flirted exclusively with unattractive women, which I found downright flabbergasting.
Dex was a young man with a lot of bulging muscles. Why in the world would he be interested in these mediocre old geezers? The obvious hung in the air, but I was too ignorant to realize it at first. Whenever a younger, thinner, bikini-clad Western babe strolled by, Dex would pay them absolutely no attention. A few times I'd prod him to go talk to a younger hottie, but he'd brush me off.
Finally, I couldn't take the absurdity anymore.
"Damn Dex! You sure have strange tastes, man!", I said.
"The old ladies know how to treat me better, mon" he casually replied.
Several weeks later I was back on my own again, exploring the town of Flores, Guatemala. During my walk, I was startled when a tuk-tuk loudly screeched to a stop right in front of me. Thinking I was about to get robbed, I only became more befuddled when Dex himself jumped out with his arms spread out.
"Hey mon! Remember me? It's Dat Nigga Dex! Come on, get in!" he beckoned.
I squeezed in between Dex and a chubby, bespectacled British woman. By that point, I didn't need any explanation as to what their relationship was. Dex had clearly found what he'd been looking for back on the beaches of Caye Culker. Apparently, the British tourist was sponsoring him to accompany her on her Central American trip.
The next few days were spent mostly in the company of Dex and his new girlfriend. We smoked and drank a lot, and most of the time were relatively intoxicated. I was intrigued by Dex's 'relationship' and asked many questions about it. He wasn't shy to provide detailed answers.
Dex explained how he'd seduced the Brit back in Belize, while she tanned alone on the beach. She'd been flattered by his attention, something she wasn't used to back home. The woman was impressed by his 'game' and his body, he explained. Needless to say, it didn't take Dex long to bed the broad.
I asked if she was paying for his services, and listened with great interest as he detailed their arrangement. She didn't pay straight up for sex, but that was basically the unspoken deal. Dex would accompany her as long as she wanted, but since he was a poor "Beach Boy", she'd have to pay all expenses. Food, accommodation, transportation and the like.
My Belizian gigolo friend also explained how easy it was to pry 'petty cash' from his benefactor. He'd simply tell her his brother needed some money, or he urgently had to repay a loan. He'd prod her to 'buy gifts for his mother' and she'd usually fork it over without second thought. I wondered exactly how much Dex had managed to 'earn', but he didn't elaborate.
VERDICT: What type of sex tourist was Dex's British girlfriend? Since she was younger, I'd say she'd most likely fall into the Situational Sex Tourist category. Besides, the pair went to northern Guatemala, more of a backpacker region. The woman had probably been a bit lonely and bored, turned on by Dex's advances, and thought to herself, "why the hell not?"
This peculiar arrangement brings up another question: who was really the victim? Was it Dex, for seducing his mark and managing to 'earn' money from his services? Or the Brit, for 'using' Dex for a holiday sex mate? An interesting topic to ponder…. often we consider sex tourists themselves as exploiters (for very good reason), but it's wise to remember they're also being used.
Sub-Saharan Africa
Perhaps an even bigger region of female sex tourism that I was exposed to was Sub-Saharan Africa. All along the lovely beaches of Senegal, I noticed hoards of 'couples'. It wasn't uncommon to see groups of Western females, all collectively searching for their prey. I did a bit of research and found there actually existed legitimate tourist agencies, mostly run out of Belgium and France, offering local women sex-based tours to Senegal and other sex tourist hot spots, such as Tanzania and Kenya. How convenient; a flight of only a few hours, like-minded fellow tourists, locals that speak your native language, and cheap, easy sex with attractive men!
Things got even more bizarre when I arrived in the Gambia. Although Senegal is a French-speaking nation, the Gambia is English speaking. Since English has emerged as the world language, ladies of a wider variety of nationalities have been venturing into the Gambia for their kicks.
While in the Gambia, I couch-surfed with a lovely Polish expat (not a sex tourist) named Magda. As we hung out at numerous beach-side bars, we witnessed dozens of sex tourist couples and transactions taking place. Magda explained it wasn't at all uncommon in the evening to see beach-side bars and clubs filled with elderly female Western vacationers on the prowl.
Senegal and the Gambia are very poor countries, and often local men have no other options for work. Many of these men even have local girlfriends or wives, but still supplement their meager or nonexistent income by going off with European or North American women.
Enna: A Finnish Traveler in Search Of….
I met Enna in the lovely Colombian village of San Gil. We got along well and spent the next few days wandering around the area together. Enna was a friendly, open-minded Finnish traveler/expat, who'd been living in Colombia for several months. She talked a lot about her Colombian fiance, a local guy she'd met in Bogota.
Enna and I became Facebook friends, although we've never reunited in person. We remain FB friends to this day, although it's been over a dozen years since our time together in Colombia. She did end up marrying her Colombian boyfriend, although the marriage was short-lived. Soon after they returned to Finland, he divorced her. One can only speculate on the man's intentions of marrying her in the first place.
Soon after her first marriage ended, Enna headed off to Senegal, where she met her next husband, also a local man. The second time around went much better for the international couple, I'm happy to report they remain married and even have a daughter together. Enna often visits her husband's family and friends in Senegal, though their permanent home is in Finland.
VERDICT: Would anyone consider Enna a 'sex-tourist'? Well, she certainly wasn't the type who paid third-world male prostitutes for sex. By the definitions set out by Wikipedia, however, she'd definitely fall into the Romantic Tourism category. Enna wanted a non-traditional husband to spend her life with. She first tried with a Colombian man, then with a Senegalese man. And it looks to have worked out just fine!
Is there anything wrong with what Enna did? Well, it depends on the person who's asking. To me, such a relationship is perfectly fine (my fiance is also a foreigner from a different culture). But it's not so different from the gentlemen who travel to Southeast Asia in search of a wife (as long as they don't find her in a brothel).
Other Female Sex Tourism Hot Spots
The Mediterranean
Females have long been frequenting countries such as Spain, Italy, Greece, and Turkey in search of an easy lay. Local men from these countries are notorious for being very promiscuous and not so picky. The difference is that in this region, straight-up prostitution is rare. The trysts are more of a short holiday fling which both parties are in search of.
The Arab World
By Western standards, Arab men are sexually repressed. A common stereotype throughout the Arab world is that all Western women are incredibly easy. While this may be extremely annoying to younger, more attractive Western travelers to the region, for women not used to the attention back home, it could be considered heaven. Countries such as Tunisia, Morocco, and the United Arab Emerites are known for having an abundance of females in search of local men for short flings. Like the Mediterranean, this region isn't nearly as big on prostitution per-se, than Africa or the Caribbean.
As you can see, the demographics of sex tourism are markedly different between male and female sex tourists. The overwhelming majority of male sex tourists prefer Southeast Asian prey, possibly due the reputation that Asian women are small, petite, and subservient to men. Female sex tourists, by contrast, seem to prefer African (or black) men, likely because they are known for being well-endowed and quite skilled in the bedroom.
It has been suggested that Western sex tourists of both sexes may enjoy the exploitation of poor non-Caucasians in former Colonial lands, as it may help them live out fantasies of being the Colonial masters and having absolute power over their partners. I'm sure some of them have such twisted desires, although based on my travels I disagree this is the primary objective of most sex tourists. I feel most of them are either lonely and unable to attract partners back home, or have had a history of terrible past (and often current) relationships they yearn to escape from. They want something quick, easy, and fun, in a situation they can fully control.
Sex tourists, both male and female, do what they do for a variety of reasons. Some are looking for straight-up prostitutes. Others are simply on holiday and talked (or suckered) into the situation. Still others are primarily in search of romance, rather than just sex.
It can also be argued that sex workers (of both sexes) are guilty of exploiting sex tourists. Of course they are! The prostitutes are usually in it for money (or to find a spouse and relocate to a wealthier country for a new life). The sex tourists are in it for the sex, of course. Both parties are exploiting and being exploited. But as long as both are consenting (and the 'victim' isn't some kind of sex slave), who am I to tell anyone it's wrong?
Thanks for reading! What are your thoughts about this situation? Feel free to comment below!
Extra Reading:
DailyMail: Meet the middle-aged, middle-class women who are Britain's female sex tourists
Sex tourism in Africa: European women who pay for sex with locals
I Was Almost a Television Star for a Show About Sex Tourism


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Well - all good times must come to an end. Sigh. Last day with group. Some of us went to the Gutenberg Cafe near the library for breakfast - pancakes with maple syrup. Yum. Cafe run by Koreans:)
Some of the group left for Seatle at 10.30am. I went shopping at the Bay. Sale. Must have tried like 20+++ pieces of stuff. Am happy that I am only an L (size) or size 12 (down from XL or size 14). Was very tempted to get a Anne Klein red jacket - but the price.....I sakit kocek. It's a very nice and well-made jacket:(((
Also went to Chapters to check out their books. Quite good selection.
Am ready to go back to KL now after shopping trip:)))
Tuesday, July 24, 2007
24th July - last day with Contiki
Posted by Li Por at 10:38 PM
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subset: commoncrawl


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Flowchart app
Budget $250-750 NZD
The project is making a flowchart app
Wireframe is done to an extent
70 freelancers are bidding on average $576 for this job
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Conor McGregor got up close and personal with some extraterrestrial species on his Amsterdam adventures.
The UFC star has been enjoying his time in the Netherlands' capital with partner Dee Devlin and friends.
And the crew looked to particularly enjoy their time in Ripley's Believe It or Not!, the self-proclaimed "weirdest place in Amsterdam".
McGregor is pictured laughing next to a fake alien with green paint splurging out of his chest.
He has been living the life of a tourist as he and Dee Devlin were also pictured with friends at an art gallery and dining out in a restaurant.
But the UFC star still got to enjoy some priceless family time as he and partner Dee Devlin brought their son Conor Junior to the park.
The toddler looked very content as sat on a swing with his attentive parents at his side smiling at him.
Conor Junior was wrapped up well in a bomber jacket with a furry hood and a woolly hat with Mickey Mouse-style ears.
'The Notorious' captioned the post on Instagram: "At the park with Conor Jr. today."The 29-year-old has been keeping busy despite his last fight - a multi-million dollar boxing bout with Floyd Mayweather - coming almost six months ago.
Conor and Dee recently visited New York, with McGregor claiming he owns New York in one social media post.
Speculation continues that a rematch could take place between the Dubliner and Mayweather - but this time in the Octagon.
Mayweather recently posted videos of him standing in an MMA style cage wearing Paddy Power branded shorts.
In one clip, Mayweather says: "2018, Floyd Money Mayweather, MMA, what are the odds?."
When asked about the possibility of fighting the American in the UFC, McGregor said: "I think he would get his earned respect then if he was to step in [the octagon].
"I said I would do it and I stepped up and I done it so...his time now."
Meanwhile, Paulie Malignaggi has advised McGregor to retire from boxing and MMA.
Malignaggi, who sparred with McGregor last year, said: "He got smashed around by Mayweather.
"He won't come near me now and, frankly, I don't think he should fight at all. If he's smart he should take a hike. He's not a very good boxer and in MMA, he has to fight some tough contenders.
"Unless he vacates his UFC title and takes on a lesser contender, which I can see him doing, I wouldn't fight at all if I was him."


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Stiglitz's contribution to the inquiry committee
The need for a fresh "comprehensive, global approach" to tackle tax secrecy, evasion and avoidance
Last week the European Parliament's inquiry committee on the Panama Papers had an exchange of views with the Nobel prize-winning economist Professor Joseph Stiglitz. Stiglitz was a member of the advisory committee established by the Panamanian government after the Panama Papers scandal. He later resigned because the government refused to ensure the committee's findings would be published.
The meeting was really useful for the work we are doing in the committee, but also particularly important for us, considering the progressive vision Professor Stiglitz has always been able to propose and inspire.
The meeting was the occasion to discuss the proposals of the 'Overcoming the shadow economy' report, which Stiglitz wrote with Professor Mark Pieth.
This report includes several recommendations that the S&D Group considers essential, in particular:
1. establishing public country-by-country reporting for multinationals
2. producing public searchable registries of the beneficial owners of each corporation, trust, foundation or other entity
3. ambitious actions to combat tax havens and strong sanctions against intermediaries who facilitate money laundering, tax evasion and avoidance
4. protecting whistleblowers
Furthermore, the report focuses on the necessity of guaranteeing that rules and obligations are fully enforced and applied, and on the need to tackle the complex webs of corporations and trusts, proposing that all legal entities should pay a fee and file a report each year.
Professor Stiglitz highlighted that tax avoidance and money laundering schemes do not concern just Panama but are a global problem and that we urgently need a "comprehensive, global approach" to tackle secret tax structures. He also heavily criticised Trump's approach to these issues, defining him as the "evader-in-chief" and called on Europe to take the lead in the fight against tax evasion and avoidance.
During the meeting, Stiglitz agreed with several measures proposed by S&D MEPs. He stressed the necessity of including tax conditionality and measures against tax avoidance and evasion in trade agreements, as pointed out by Emmanuel Maurel and Ana Gomes. The professor also agreed with the proposal of Jeppe Kofod, co-rapporteur of the inquiry committee, suggesting a global summit to tackle tax secrecy.
Furthermore, Stiglitz supported the S&D proposals to establish a minimum effective tax rate — outlined in a question from Emmanuel Maurel — and to include the absence of a corporate tax system (or a corporate tax equal or close to zero) into the criteria to be considered in producing a definition of tax havens.
Overall, the meeting was intense and very interesting. It was very welcome that Mr Stiglitz supported many of our proposals and useful to listen to his analysis of the current state of play with regard to tax evasion, avoidance and money laundering, and to his important recommendations. His input will be very valuable for our work in the inquiry committee on Panama Papers.


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|Tag made with My Scrapbook Nook
December kit
Hi and welcome to the second day on our Advent Calendar. Every day from December 1th - 25th one Nook friend will host a small giveaway on her blog as part of this activity
Today's host is the multitalented Antenucci. Not only has she a giveaway for you, we know she has put up some great tricks on how to make beautiful Christmas ornaments, so why don't you have a look at them, as well as her layouts, and leave her some love?
We have a big surprise for you. I'll give you all the details here tomorrow, but if you can't wait to see what it's all about, head over to Leah's blog to check it out :-)
Have a happy Friday!
PS, if you missed yesterday's Advent Calendar, it's not to late to enter the drawing. Yesterday's host was Hilde/Scoobie, visit her blog to see more.


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…From now on, due to high comments about the length of these posts, I shall pretty much summarise the weeks; shorter blogs from now on.
This week was a busy one, it started on the Sunday with a nice drive up to the Lake District after a day of preparing food (See the featured image)! Two days away means that you have to prep properly, no half measures, all your sports kit needs to be ready, all your supplements need to be ready and of course, all your meals have to be ready! "So, hello Cumbria! Fancy seeing me looking like a dickhead you lucky people!"
Monday was a strange day really, I didn't sleep much in the hotel and I was in a strange environment. I had the usual "Low carb" breakfast…homemade Granola with berries and greek yoghurt but for lunch, the place where we were conducting factory acceptance tests brought out a massive lunch…pizzas, sandwiches, crisps, Dr.Pepper and the list goes on. I sat there again watching everyone tucking in to the food whilst I ate my tuna salad. I go on about this so much because if you are reading this blog, this is one thing you don't really expect to hit you. Its almost like an addiction, you see it, you want it! A part of you thinks you've missed out. Its rubbish; a real mental fight breaks out every time. The company policy at night is a £25.00 allowance for food, I couldn't use it obviously which is quite a sombre experience. The 'phys' had to be done though and the hotel I requested had a gym…all be it not a very good one! The treadmill HIIT really pissed me off. Every time you jumped off for your 30 second rest; after 18 seconds the machine switched off saying "no user detected". I battled with the settings for a while but in the end I realised that I'd have to take a few steps to trick it! Really annoying when you're hanging out!
Tuesday morning I woke up early as usual and carried out my HIIT circuit in my hotel room. No excuses! I did an expert 25 minute HIIT with 25 different exercises to work the full body, I loved it! Someone who didn't love it was my boss in the room next door! I woke him at 6 am doing tuck-jumps and full sprints in the room. I found this really funny as he kept me awake until 12ish by watching TV and chatting to his wife…the walls were really thin! "Swings and roundabouts boss". Tuesday was spent doing the same as the day before but because I was heading back to the homeland I made sure that I had a spare dinner in case I got stuck in traffic…we didn't and I'm glad because the food looked a bit ropey after a couple of days!
Wednesday, back to the gym and it was Sergio Ramos'd. Luckily I got a treadmill but I'm sure it was broke, I sounded like an elephant on the machine, it was banging like mad on every footstep. It was distracting but I smashed out 19kPH for the full 20 minutes and that felt good! On every rest I found myself apologising to all the other users but they didn't mind. One bloke even commented an asked what I was doing, I told him and his response was "That's one for the young lads" and started laughing! I'm concerned now though, my shins are getting sore. I don't want to say the dreaded shin-splints but I'm going to have to move on to other equipment to get my heart rate up and ease off the impact.
Thursday Morning, early riser and smashing a low impact HIIT which comprised of squats, lunges and strange walking press-ups with the odd plank and mountain climber. It was a beasting on my already sore legs. The concern is that my legs are starting to become a weak point and so I may have to continue with just the full body HIITs and lay off the sprints…we'll see! Next week will be better because of the new routine!
Its Friday! Football is back on the cards at DW and that has cheered my day right up. I'm sure I've got a bit of dog in me, 5-a-side is amazing for a work out and you don't even realise that you've done that much running. Following a ball around like a dog is brilliant, but I noticed that my fitness levels have gone through the roof! I felt fine running from box to box for the full hour, not tiring at all really! Footy is basically grid sprints with a ball chucked in! I also got the winner at the end even though I had a pretty shocking game, first game back after a full month out and I couldn't string a pass together or keep on my feet. Awful for me, awful for the guy I kept taking out all night…oops.
So, this part of the blog is reminiscent of a Jerry Springer moment… if you have been reading these posts since I started you will be aware that I started this plan based on the weight I was given at the consultants when I had my last appointment on the 23rd December. The weight given to me was 104.8Kg. It was the kick up the arse that I needed to do this plan and it was enforced by the consultant who was telling me that the disease could get worse if I didn't get a handle on it. Harsh words were said, potential surgery, increased bowel cancer risks, osteoporosis etc etc scaremongering with a terrifying fact of reality, so here I am, about to start cycle 2 for the next 4 weeks and i'm at 90kg! Quite incredible really! I have lost 15kg.
I said that I wouldn't weigh myself but that's where my weak point has been. I haven't cheated on this plan at all, no sneaky treats, no milk, no tea, no alcohol, no chocolate and my wife will vouch…trust me, she has eaten all the chocolate available! This has stopped me! Marital team work! I can't say that I have seen the difference yet, but I am wearing clothes that I haven't been able to wear…ever. I bought them, they never fitted but I knew some day I would get myself in shape…that someday started 4 weeks ago today and I'm feeling positive and proud that I am going in to cycle two thinner and more determined than ever…
Cycle two, I will be combining HIIT training with German Volume Training. The training will involve doing 6 HIIT exercises for 45 seconds with a 30 second rest followed by weights training which will focus on four muscle group options. The weights will be 10 sets of 10 reps at speed with a maximum rest of 30 seconds between sets. The plan gives you four options and you are only allowed to do one option in any one week but you must complete all four options in the week to ensure a full muscular work out is achieved. It even takes in to account legs so no danger of a chicken wandering around!
Food in cycle two is a little more important, it isn't about shifting fat at this point, its about shaping your body. On training days you must eat 3 carb meals and 2 snacks and on rest days it is back to the low carb meals. The carbs meals appear to be massive! I have been shrinking my stomach for the last month and now the plan expects me to smash in the scran…this could be interesting!
I will leave you with those thoughts for this week! If you want to give me any more ideas on how to improve my blog, or if you want me to concentrate on specific parts of the plan don't hesitate to contact me. I like answering questions about it and I hope I can educate you further on Inflammatory Bowel Disease!
The support from you guys has been really incredible so thank you for all your words of support!
Remember, you can follow me below;


text: Is there any way to keep my girls in my own yard? I love letting them free range but they keep wandering over to the "not so nice neighbor" and I don't want to cause trouble with him. I just put up 200 ft of privacy fence over there but there's still another 400 ft that isn't fenced...and they found it. It's not like I have a small yard, it's an acre and a half...and my neighbor on the other side is cool with them visiting him. Any suggestions?


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It's a Time of Giving Thanks
Your Bonus?
It Keeps That Stress Map Off Your Face
By Patty Kovacs
The economy is turning down but you don't need your facial muscles to do so. With enormous perseverance and 'downsizing' our previous materialistic tendencies, we'll get through this. The pendulum always swings economically.
But repetitive worry and persistent negative talk doesn't help your appearance. Science is now revealing the many ways cortisol, that naughty stress juice, also affects your skin, leading to aging wrinkles and dryness, leaving deeper lines in its path through your system. So what are we to do? After all, the stock market is pointing downward, very serious troubles are occurring to our 401k and our economic stability? Worry creeps up and taps us on the shoulder, rendering its ugly self. And we all too often feel like smacking someone who appears too ridiculously upbeat. Like Goldie Hawn questioned in The First Wives' Club, "Is she on Prozac?"
Here's a check list to see if stress and worry are silently creating wrinkles and having a cortisol party on your face:
Redness. Capillaries expand with increased blood flow. When we're stressed, a flushing or rosacea can occur, as also can a weakening of our immune system. Red faced is not pretty but it's a red flag that you may be unconsciously stressed out. See you doctor is a rash or serious redness seems to remain. In the meantime a regenerative night's sleep, every night, will begin to help you. Turn off the TV and read an inspiring book or a delicious novel, something that takes you away to smile, relax, and feel as if life is a blend of struggle that we can always overcome.
Dryness. Too much starchy feel on your face? As I mentioned cortisol is meant to warn us of danger. Only we overuse it and let it free fall throughout our system if we remain in a chronic state of worry. Cortisol will decrease our skin's strength and the skin's ability to hold moisture; thus, luminosity, and that overall radiant look that moisture helps create will disappear from our face. A wonderful facial lubricant right in our kitchen cupboard is safflower oil according to Dr. Amy Wechsler, author of The Mind-Beauty Connection and partner with Dr. Mehmet Oz and Dr. Michael Roizen of Real Age.
Fine lines. Cortisol increases blood sugar via glycation, a process that damages collagen and elastin, the protein fibers that plump up our skin and keep it smooth and beautiful. Anger, frustration, depression, worry, and disappointment exist in all of us. But if they become habitual modes of thinking, they become the enemy that help age our face just as much as gravity, sun, or father time. Continuous muscle tension 'sets' in wrinkles and forms map lines of worry on our face. We all know topical A, C, and E can help us. And according to Dr. Michael Roizen, author of YOU, Being Beautiful, whom I again have the privilege of interviewing on Monday, December 1, on my radio show, The Health and Beauty Revolution Show, additional help comes from licorice extract in our facial creams.
Sallow Eyes. We're creatures of habit. If our habit is worry, it will make sure and wake us at nigh so we can come out and play, er, worry, that is. Then we end up with dark, tired eyes, puffy or even sallow eyes and look and often feel tired. Meditation, relaxation, making trust our thought pattern, all ward off the worry bugs and they have no chance to penetrate our shield of living life more fully.
Conscientiously initiating a calmer reaction to problems, worries, and concerns about life will indeed serve our bodies both internally and externally. How many cardiologists would agree that worry and stress wear down our heart? Or that circulation is affected by the domino effects of chronic stress? Our face is almost like a tattle tale of our thoughts.
Teeth grinding, tongue thrusting, jaw clenching, scowling, frowning are not good friends to keep around your life. Knitted brows, tightened mouths, disappointed, negative thoughts look for a home on our face.
Think of the good things, the blessings you have in your life. Think loving, abundant thoughts. Consider your challenges as part of the journey towards a stronger you.
Take progressively better care of yourself, and remember, it takes 3 days to change a habit, 30 days to set a habit, and 60 days to make it indigenous to your nature.
Be kind to yourself as you create a new YOU. Turn not only your life around, but also your looks.
Be sure to tune into The Health & Beauty Revolution Show ~ Mondays, 10-11 a.m. pacific time.
[Link Removed]
Dr. Mehmet Oz, author of YOU, Being Beautiful, Monday, December 1.
Good advice, Patty. I'm looking forward to listening to Dr. Oz on your show. Dec. 1st is just around the corner!
Lois W. Stern
|About this author
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NeighborBuild has over 10 years of experience in home renovation and remodeling through projects big and small. Whether you are looking to update a bathroom, finish a basement suite, design and build your dream kitchen – or even add an amazing all-season sunroom, our team has the skilled trades and project management experience to complete your home update, on-time and on-budget!
Our commitment to growing and hiring the best people, and continually working to sharpen and improve our Processes and vetted list of Product Partners are what help us stand above the competition – and the reasons why Ottawa has trusted their homes with our team for over 10 years.
We have experience with big and small build and renovation projects, so whether it is for your home, condo, townhome or duplex, the NeighborBuild construction team is ready to meet and show you how we can help you RE-IMAGINE YOUR HOME.
We stand by our work and work hard to maintain our reputation of quality, reliability and trust. We know how confusing and overwhelming it can be to find a home and renovation contractor – especially one that makes it easy to understand the project budget and timeline!
The key to our success with home renovation projects, big or small, is our meticulous planning, documentation and project management process. We are 100% committed to making sure that the project we agree to will be completed on time and on budget. One big reason we can be so confident, is that we only schedule one project per team.
That means that once we start your project, we stay focused on your, and only your, project until it is done.
No excuses or mysterious delays – and definitely, no surprise cost increases.
Whether working on a chef's kitchen renovation or adding a bedroom for the latest addition to a family, we offer the same high-quality workmanship and attention to detail. We start by working with you to design your perfect project and to create our clear, transparent and accurate estimates.
If you are considering a modern sunroom addition, dream kitchen renovation, new outdoor retreat or remodeling your bathroom, our passion for high-quality design and workmanship allows us to make dreams come true for far less than you would have ever thought possible.
We want to make sure all your questions are answered and
that you feel confident in MOVING FORWARD
Bring the NeighborBuild Team in for a quote on your home renovation, remodel, or addition project and you will automatically be entered into our draw for a $1000 Visa Gift Card!


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- properlytiedAsked on March 11, 2016 at 10:14 AMPage URL:
- JotForm SupportBJoannaAnswered on March 11, 2016 at 11:38 AM
You can customize your Thank You page and add you own background image. When you open Thank You page wizard click on edit option to customize your thank you page.
That are also tools tab that can help you to customize your thank you page.
Here's also a guide that may help you: Setting-Up-the-Thank-You-Page
Hope this will help. Let us know if you need further assistance.


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by Robert Hammond
(Sedalia Mo 65301)
I have primary custody of my daughter . The child support was put in place 2003. mother was single with no job. It was set at 169.00 a month. It is still 169.00. I am asking for a raise because the cost of living has went up so much since 2003. The cost of a child gets much more expensive with age as well.
Comments for How Do I Get A Child Support Raise
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Join in and write your own page! It's easy to do. How? Simply click here to return to Pennsylvania.


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How to Reset Keyless Remote Transmittersby Paul Dohrman
You may have purchased a new keyless-entry remote-control fob for your car. You'll need to program your car's computer to recognize the fob's signal. You can do this yourself to avoid paying the approximately $100 fee the dealership charges. Unfortunately, a wide variety of program instructions exists for cars with keyless entry capability. For example, Chevrolet has no fewer than 16 sets of instructions across models and model years, and none of them are interchangeable with each other.
Look in your car owner's manual for the instructions, if you still have it. The keyless programming instructions may be in there. If not, go on to the next step.
Visit the site programyourremote.com. This repository of around three dozen car makes has hundreds of pages of keyless remote programming instructions, broken down by model and model year. Navigation of the site is self-explanatory. If you can't find your exact model-year combination, a similar combination might work. Otherwise, go to the next step.
Visit the site ownersmanualsource.com to try to find your car's manual. Again, this site's navigation is self-explanatory and manuals are grouped by make, model and model year. If you can't find it, or it doesn't have the programming instructions in it, go to the next step.
Call around to various dealerships as a last resort, to see if a dealer will give you the instructions for free. A dealer not located in your area has less incentive to draw you into the store for a programming, so they may the ones more likely to give you the instructions over the phone.
- If the above doesn't work out and you want to search the Internet for instructions, good keywords are "keyless," "program" and the model of your car.
- Not all cars with remote entry allow the car owner to do the programming. Hyundai and Mercedes are examples.
More Articles
Photo Credits
- keyless remote image by Ray Kasprzak from Fotolia.com


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The Recreation Vehicle Industry Association commissioned an Economic Impact Study on the RV industry, released on June 7, 2016. The study found that the RV industry contributes about $49.7 billion in economic output or 0.28 percent of the Gross Domestic Product. Through its production and distribution linkages, the industry impacts firms in 426 of the 440 sectors of the United States economy.
Nationwide, the industry is responsible for 216,170 jobs, both directly and inderectly, creating an economic impact of $37.5 billion. The full study results, along with each individual state and congressional district's economic impact is available on the website by clicking here .
Wed Aug 16, 2017
GRAND RAPIDS, Mich. - The newest living trend in Michigan is hitting the road, literally.
As young professionals try to make more out of less, RV living has become a prime choice. Coupling all the amenities you're typically used to: electricity, Wi-Fi, full bathrooms and kitchens – it's the obvious choice for many.
"The buying trend was always that 40-60, you know, the Baby Boomers," American RV General Manager Chad Neff told Fox 17. "But now, everything's getting younger."
Neff says for those looking to save on rent while living a fully functional and active lifestyle, an RV is the perfect choice.


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It's time to move into deep respect and appreciation for who you are. No holding back. Everything started in love knows how to return to that space.
Surprise yourself.
It can be daunting to 'just do your best.' Because that song could come up in your head 'I did my best, but I guess my best wasn't good enough.'
Let go of the idea of not enough. Doing your best is the whole job, the result is not yours to interpret.
Repeat after me...
I will do what is necessary to make any change that will free me of my past judgments and addictions and patterns and fears and obstacles. I am willing to act in my best interests, I am willing to love and forgive myself, I am willing to cherish myself and my loving actions, not matter what the outcome, so that I may be in service to those around me, to be used for Love's purpose for my life, to answer the question as to why am I here.
No matter what divides us... We must remain united in the highest order of freedom in loving action doing our best. With respect for our differences and find our common humanity. Let's make doing our best a practice of humanity as a way of life. Not because it's easy. But because it's the right thing to do.
We owe it to those who come after us not to fall asleep, not to forget who we are, and to take advantage of the deeper conversation.
Today, and every day.
Have a great one!
With Infinite Love and Gratitude
Love, Mel
Love, Mel


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As a college student, John Crocker embarked on the adventure of a lifetime, spending eight months in the Gombe forest working with Jane Goodall. He would follow families of wild chimpanzees from sunrise to sunset and learn the fundamental behavioral traits of these chimps as they raised their offspring.
One chimpanzee would captivate him. Her name was Fifi, and she displayed extraordinary patience and reassurance towards her infant, Freud. Upon returning home and becoming a doctor, Crocker found himself incorporating the lessons he learned from Fifi into his work as a father and physician. When he would witness his young patients rocketing around the exam room, he would picture Fifi's patience and tacit approval of Freud's uninhibited and joyful exploration.
Crocker shares how his time with our closet animal cousins help him better understand his patients with ADD, anxiety, and depression. These traits and others, so maligned today, are hardwired into our natural behavior and help chimpanzees protect their community, and raise their young, and survive. Upon his return to Gombe thirty-six years later with his own son, Crocker's experience with the chimps comes full circle.
An illuminating book that will raise thought-provoking questions about the evolution of human behavior, the importance of patience, strong family bonds, and provide a greater understanding of what it means to be human.
John Crocker has been practicing family medicine in Seattle for thirty-five years. He attended Stanford University, where he met Jane Goodall. He received his MD from Case Western School of Medicine in Cleveland. Dr. Crocker is a popular speaker on primate behavior and has written for the Huffington Post about lessons learned from our closest living relatives. This is his first book.


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FEMALE politicians will stage a Question Time-style event to mark International Women's Day.
The unique six-strong line-up in Bognor Regis this Saturday will represent all the main political groups and state their cases about helping women.
Starting at 1pm, each woman will have five minutes to talk about why women should vote for them before a question and answer session.
The occasion will be a highlight of the global celebration being held at the Laburnum Centre on Lyon Street.
It is being hosted by My Sisters' House women's centre group for the first time and Bognor Regis Town Centre is supporting it.
Julie Budge, a founding director of My Sisters' House, said: "We are hoping for a good turnout.
"That will celebrate the special day and also allow us to carry out consultation about our proposed women's centre. We want to talk to as many women as possible about what we are trying to achieve."
There has been an International Women's Day in the Arun area for the past 19 years. Annabell Alexander, of Sussex International Women's Day, said: "If there is going to be a women's centre in Bognor, it's obvious that the task should be handed over to them, and what better time to do that than on the 20th anniversary of Sussex International Women's Day Group."
Julie said: "It has been a pleasure working with the joint team, and we look forward to taking over the role next year, hopefully in our own women's centre."
Saturday's event will take place from 10am-4pm with free entry. It will feature keynote speaker Kate Allen, from Women for Women International, as well as Janina Cooper, of The Base indoor skateboard park. There will also be entertainment from Dawn Gracie, Cheryl Ann, Nicole Scott Canon and Lindsie Morallis.
Presentations, information stands, selling stands and natural therapy taster sessions will complete the attractions for women and girls and boys up to 12 years old. A hundred free goody bags will be given out at the start.
The day is taking place as the £200,000 plans for My Sisters' House gather pace. The one-stop shop, expected to be used by up to 600 women a year, should open in Bognor this summer.


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Migraines, the quick fix
So you suffer from migraines and the medicine just doesn't seem to work properly. Well, I too suffer from chronic migraines. I go blind in one eye, get dizzy, and all that goes with it. I used to take Imitrex, but it just didn't work for me. The key to a lot of prescription migraine medicine is to take it just as you feel the migraine coming on. well, if your like me, and maybe you aren't, but almost always you don't know your having a migraine until its too late. The meds don't work and your stuck with a horrible, crippling head throb and pressure, ohh jeez its just unbearable!!!!
My case is very odd. See I didn't know I suffered from migraines until I was around seventeen. One day, I was at school, staying late for detention for some reason, but that is a different story. Anyway, I was late for detention, and my mom called my cell phone asking when I would be home, or maybe I called her. See there is the effects of what my migraines did to me. Needless to say, I was on the phone with my mom and I told her that I literally couldn't see out of my right eye. It was like something just blocked it, At the time I was driving a very nice 1978 Chevy Camaro Z-28, metallic blue and built to impress. Of course, being the one more concerned for the safety of my car than my own self, I told her what was going on and that i would be late coming home. Well, my mom is a get things done kind of woman and around 4 hours later when I just couldn't take it anymore, I drove home, slowly, well, as slowly as my car would allow. When i got through the door, she ordered me into her car and without telling me, she brought me to the doctor. Im not saying I was one of those stubborn kids, I just never saw the point of going to the doctor unless it was an emergency. This did not seem like an emergency. At the doctor, I underwent test after test, and finally, my doctor said that I suffer from chronic migraines and that I should have been completely immobile from the pain. Ehh, it didn't bother me, just the blindness was more of an inconvenience. However, they did start to get worse as I got older. Now, apparently, they are bad enough where if gone untreated, they can cause a stroke. Something had to be done. I started Imitrex. It never worked. Mostly because i could not feel a migraine until it was bad enough where My senses were being affected. Here is my solution.
One day I decided to try Advil Migraine. I just so happened to be drinking a redbull when I took it and let me tell you, light came down from the heavens, everything came into focus and I WAS CURED!!!! I have not done any real research, but a migraine is NOT just a headache. Most people say that migraines can be caused by caffeine and whatever, but the active ingredient in migraine medicine is CAFFEINE. It helps to speed up blood flow throughout the brain or whatever it does and apparently brings the swelling down. Either way, It worked. It doesn't seem to work with coffee very well, but Redbull and Advil Migraine works almost instantly. My theory on this, seeing as though the active ingredient in the Advil Migraine is Caffeine, redbull being made of mostly caffeine fortifies and speeds up the process. Im also pretty sure that some of the other supplements in Redbull like taurine may also help to enforce the caffeine action.
Also, based on research, it would seem that redbulls effects ultimately cause better reaction time and prevent drowsiness. Both of which are majorly performed by the brain where migraines are. So, it would be common sense that the active ingredients in redbull would in fact support the active ingredients in migraine medicine.
There is my advice for getting rid of a migraine quickly. I recommend 2 Advil Migraines and the small can of redbull. After all the stuff isn't all that great fr you, and you don't want to over do it.
I thought I was the only one that did this. It is the best cure that I have ever experienced and removes a head shattering migraine like magic!!! I take normal liquid capsule Advil and sugar free redbull! Works a treat
I have bad migraines too. Coffee and caffeinated sodas make it worse along with Excedrin and Advil but for some reason. A 7.5 oz can of Red Bull makes my head feel like it's being massaged from the inside. The pain and pressure is gone along with my vision back to normal before I finish the can.
Suffered from migraines my entire life and this is the vest cure. I randomly took a redbull and excedrin while I had a migraine and within twenty minutes it was gone. I've been doing this for 4 years and it works every time.
I will keep these tips in mind. I also suffer from migraines, but my symptoms are not as severe as yours. Redbull is awesome, but I'm already hyper as it is. Lol.
Voted up useful!
Anything is worth a try! Never had a Red Bull. Maybe I will.


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The Reserve Bank Board meets next week. There is no chance of a rate move and, I expect, little chance that the two key themes of recent statements by the governor will change.
These are: "On present indications the most prudent course is likely to be a period of stability in interest rates"; and "the Australian dollar remains above most estimates of its fundamental value."


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Learn about how the NADA Foundation's generous donations from dealers are benefiting wounded veterans, disaster relief victims and others in need.
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NADA Members enjoy a variety of benefits to help keep their dealerships humming.
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The NADA Professional Series grants certifications for new or high-potential department managers. Choose among four management disciplines (Sales, Office, Parts, or Service) and complete your certification in as few as three months.
The NADA Professional Series includes two days of core competency-focused training and two days of leadership training in classroom, for a total of four days out of the dealership. Also, you get online HR and DMS training at no additional
charge. Training is held in convenient locations throughout the U.S. to meet market demands.
Each professional certification includes four instructional modules:
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Ratings: IMDB: N/A Metascore: N/A RT: N/A
Released: January 30, 2015
Runtime: 83 mins
Genres: Documentary
Countries: UK
Director: Amy Hardie
Actors: No Famous Actors
Seven Songs for a Long Life ( 2015 )
Watch And Download Full Movies Online 100% Free
Seven Songs for a Long Life: The intimate story behind our changing relationship with death - with great songs!
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Dear All,
I have a 2-year contract in KSA and after finishing that, there's is no new contract if i want to continue working with the company. i took vacation and have the re entry visa. I avail a salary loan equivalent to my supposed service award and to be paid on my return to continue working in the company. The amount is equivalent to my service award for that completed two-years contract.
When i was in our country PI, i undergone medical examination and the doctor advise me to rest for at least 3-months. I decided not to go back in KSA and I coordinated to my employer about this if it possible to have a remote clearance, request to compensate my loan against the supposed service award and committed that i have to pay if there will be a difference between these but no reply up to this time.
Can i apply to work in other GCC considering my issue mentioned above?
Your inputs and comment highly appreciated...


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Short Sale
I already modified my mortgage, but because of new circumstances I am late again. Must I Short Sale my home now?
Not necessarily.
You may be able to get another loan modification based on your "new circumstances." The HAMP guidelines were recently changed to address this situation. Homeowners who have defaulted on a trial or permanent HAMP loan modification are now eligible for a new HAMP loan modification. Additionally, the bank can always offer you an in-house loan modification if they want to. You may have several other options you can explore before doing a short sale. One of your options may be a chapter 13 bankruptcy. We have developed several strategies to assist distressed homeowners. A Short Sale is never the first option! It may be a good idea to consult with an attorney before making a final decision.
Foreclosure Defense Attorneys
Call the Law Firm of Vaughn, Weber & Prakope, PLLC at (516) 858-2620 to discuss your options.
More Articles :
Mortgage Forgiveness and Bankruptcy
File Bankruptcy, Lose Rent Stabilized Apartment
Fannie Mae and Freddie Mac Short Sale Guidelines
Fannie Mae and Freddie Mac Short Sale Guidelines
Yesterday, the Federal Housing Finance Agency (FHFA) announced new short sale guidelines for Fannie Mae and Freddie Mac loans. The new guidelines go into effect Nov. 1, 2012. We like most of the new guidelines. The new guidelines "will permit a homeowner with a Fannie Mae or Freddie Mac mortgage to sell their home in a short sale even if they are current on their mortgage if they have an eligible hardship." We believe that being able to short sale a home while being current on that home's mortgage is important. We have had many cases where a short sale was deemed not possible, as per the mortgage servicer, because the homeowner was current on his/her mortgage. We also like that "Fannie Mae and Freddie Mac will offer up to $6,000 to second lien holders to expedite a short sale." At times, it can be nearly impossible to complete a short sale when the second lien holder is different from the first. Hopefully, this new guideline creates an incentive for second lien holders to expeditiously approve short sales.
There is one new guideline that may be an issue for some distressed homeowners looking to complete a short sale: "Fannie Mae and Freddie Mac will waive the right to pursue deficiency judgments in exchange for a financial contribution when a borrower has sufficient income or assets to make cash contributions or sign promissory notes: Servicers will evaluate borrowers for additional capacity to cover the shortfall between the outstanding loan balance and the property sales price as part of approving the short sale." We have seen this done in the past. For some it might make sense to make a financial contribution, but for others it will not make sense to sign a 30 year promissory note or raid their 401k to complete a short sale.
At any rate, this appears to be a move in the right direction. Here are the guidelines ( from the FHFA News Release):
The new guidelines:
- Offer a streamlined short sale approach for borrowers most in need: To move short sales forward expeditiously for those borrowers who have missed several mortgage payments, have low credit scores, and serious financial hardships the documentation required to demonstrate need has been reduced or eliminated.
- Enable servicers to quickly and easily qualify certain borrowers who are current on their mortgages for short sales: Common reasons for borrower hardship are death, divorce, disability, and distant employment transfer or relocation. With the program changes, servicers will be permitted to process short sales for borrowers with these hardships without any additional approval from Fannie Mae or Freddie Mac, even if the borrowers are current on their mortgage payments. Borrowers will now qualify for a short sale if they need to relocate more than 50 miles from their home for a job transfer or new employment opportunity.
- Fannie Mae and Freddie Mac will waive the right to pursue deficiency judgments in exchange for a financial contribution when a borrower has sufficient income or assets to make cash contributions or sign promissory notes: Servicers will evaluate borrowers for additional capacity to cover the shortfall between the outstanding loan balance and the property sales price as part of approving the short sale.
- Offer special treatment for military personnel with Permanent Change of Station (PCS) orders: Service members who are being relocated will be automatically eligible for short sales, even if they are current on their existing mortgages, and will be under no obligation to contribute funds to cover the shortfall between the outstanding loan balance and the sales price on their homes.
- Consolidate existing short sales programs into a single uniform program: Servicers will have more clear and consistent guidelines making it easier to process and execute short sales.
- Provide servicers and borrowers clarity on processing a short sale when a foreclosure sale is pending: The new guidance will clarify when a borrower must submit their application and a sales offer to be considered for a short sale, so that last minute communications and negotiations are handled in a uniform and fair manner.
- Fannie Mae and Freddie Mac will offer up to $6,000 to second lien holders to expedite a short sale. Previously, second lien holders could slow down the short sale process by negotiating for higher amounts.
Long Island Foreclosure Attorneys
If you have any questions about this or other legal issues, feel free to call the Law Firm of Vaughn, Weber & Prakope, PLLC at 516-858-2620 today to speak to an Attorney.
New York Shadow Inventory
Shadow Inventory
The Wall Street Journal had a very interesting article written by Nick Timiraos (a link to the article is provided below) regarding shadow inventory. The article talks about interesting topics such as the decrease in the new homes being built and its effect on investor interest in REO (bank owned properties) properties. Freddie Mac analysts are citing the reduction in new home building as a reason why the once assumed over saturated "shadow inventory" is not smothering and hampering the housing recovery.
The Wall Street Journal – August 16, 2012
Foreclosure Defense Attorneys
If you are considering a foreclosed property as an investment and have questions, please call the Law Firm of Vaughn, Weber & Prakope, PLLC at 516-858-2620 to speak to an attorney.
Foreclosure Settlement Conferences
What you should know about Foreclosure Settlement Conferences!
Residential foreclosure defendants in New York are entitled to a preliminary foreclosure settlement conference that may enable a speedier and less expensive way of resolving their foreclosure issue than would otherwise be possible. The law requiring the conference – New York Civil Practice Law and Rules section 3408 – is beneficial for foreclosure defendants in a number of ways.
- First, foreclosure settlement conferences are typically less expensive than trial. Thus a foreclosure settlement conference requirement alone is beneficial. But section 3408 does not simply require a conference – it also requires that parties engage in good-faith negotiation for the purpose of "determining whether the parties can reach a mutually agreeable resolution to help the defendant avoid losing his or her home." Further, the law requires that parties periodically update the court about the negotiation, allowing courts to evaluate whether negotiations are made in good faith. It is rare that legislation requires parties to make good-faith efforts to reach a resolution that is favorable to the defendant, and foreclosure defendants should take advantage of this requirement.
- Additionally, the law requires that the settlement conference occur within sixty days of the day proof of service is filed with the court, unless the parties agree to conference on another date. This allows foreclosure defendants to enter negotiations quickly, avoiding long periods of uncertainty that would certainly add stress to an already stressful situation.
- The law also requires parties to bring certain documents to the conference, gives the court an opportunity to require additional documents, and forbids either party from charging the other for legal expenses associated with the conference. Foreclosure defendants may be able to use the conference period to find out information about their case that may otherwise only be obtained through a potentially expensive discovery process.
Foreclosure Attorneys in Nassau County
Of course, foreclosure defendants may appear at the conference with counsel, which may help them take full advantage of the procedure. The Law Firm of Vaughn, Weber & Prakope, PLLC routinely represents clients through all phases of a foreclosure action. If you are facing a foreclosure, and would like to speak with an attorney about a settlement conference, or any other step in the foreclosure process, feel free to call (516) 858-2620 today.
*Contributions to the research and preparation of this blog were made by Jason Mays, J.D. (awaiting admission in NYS).


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The poplar leaves by the lock on the Leeds Liverpool canal at Gargrave have all but turned to leaf mould, leaving fragmentary leaf skeletons.
On a south-facing bank by the road I see my first celandines of the year bursting into flower, pushing up amongst their dark green heart-shaped leaves and the dried stems of last year's growth.
At the foot of this gritstone wall I pick up a couple of garden snail shells to draw. Inside a third shell I find another species of snail sheltering. Compared to the garden snail this one has a more flattened spiral, rather like an ammonite.


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Telugu Desam Party president and Andhra Pradesh chief minister N Chandrababu Naidu does not have originality and is borrowing ideas from other party leaders, according to Bharatiya Janata Party floor leader in the assembly P Vishnu Kumar Raju.
Reacting to Naidu's announcement that he would take up one-day hunger strike against the Centre's betrayal of the state, the BJP leader said it was nothing but a blind imitation of Prime Minister Narendra Modi, who went on a day-long hunger strike in protest against the stalling of Parliament by the opposition parties recently.
"Naidu does not get original ideas. He can only follow others and claim them as his own. His latest decision to do fasting for a day is only to gain political mileage and garner votes," Raju said.
He reminded that Naidu had blindly imitated Modi even in prostrating before the steps of Parliament.
"While Modi had done it to show respect to the highest legislature, Naidu aped him and touched the steps of Parliament only to pose for photographs," he alleged.
Raju also pointed out that Naidu had copied the idea of moving no-confidence motion against the NDA government from YSR Congress party president Y S Jaganmohan Reddy.
"Similarly, it was only after Jagan launched the movement for special category status long ago, Naidu has taken a U-turn on his stand and started raising the demand for SCS," he said.
Referring to Naidu's pronouncement that the TDP would decide the next Prime Minister in 2019 elections and that he would steer the wheel at the Centre again, the BJP leader ridiculed it.
"First of all, let Naidu save his party, before thinking of steering the wheel. He is going to lose miserably in the next elections," he said.


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Saturday's Delaware County Youth Orchestra concert will include the world premiere of a work entitled Vashti, which musically retells the Biblical story of Vashti, queen of Persia. Composer Thomas Whitman said the orchestral work is "dedicated to the musicians of the Delaware County Youth Orchestra and to their superb music director, my friend and colleague Andrew Hauze."Vashti
Whitman, who has been a professor of music at Swarthmore College since 1990, has collaborated with artists in theatre and ballet as well as musicians and composers in several genres and traditions. He is founder and co-director of Gamelan Semara Santi, Philadelphia's only Indonesian percussion orchestra, and also directs the Chester Children's Gamelan Project.
The Delaware County Youth Orchestra includes 86 local high school and middle school musicians. Their performance will be at 3 p.m. on Saturday, February 13, at Penncrest High School, 134 Barren Road, Media.


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Sunday, 13 February 2011
WW I Trench Photos
I have just discovered this article in Der Spiegel (in English!) with a photo gallery in colour showing some very interesting features of the trench daily life during WW I. I saw them in other blog which I decided to join.
Hope you like them
Publicado por Anibal Invictus en 20:10
Etiquetas: IWW
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Linnean Debate
The effect of the Common Agricultural Policy on biodiversity in this country
Chair: Tim Brigstocke
Annual Linnean Debate
This year's Linnean Society Debate takes the form of an open discussion on the effect of the Common Agricultural Policy on biodiversity in this country. We are fortunate that the discussion will be led by the Chairman of the CAP Task Force, Tim Brigstocke. There are many issues raised by the interaction of the CAP and our biodiversity which are the concern of workers in a wide range of organisations and disciplines. Contributions to the discussion are expected from a variety of perspectives and it is hoped that many Fellows and guests will join the discussion.
Tea will be served in the Library from 5.30pm and the lecture will be followed by a wine reception.
This meeting is free and open to all; registration is not necessary.


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Time has gone by so quickly. I've come to realize what would make me truly happy. I want to be able to express myself artistically and not have to worry about success or getting a paycheck for it. This could be through writing, screenprinting or any other artistic outlet that I haven't discovered yet.
I just finished "Iconoclast" by Gregory Berns, and it has left so many more questions than I initially had before reading it. In it, he discusses how our visual perception is completely skewed, because we have a blind spot right in front of our faces that our brains automatically fill in. I've come to wonder how much we're actually missing, when our brains are trying to make sense of what we don't see. Do all lines actually connect? Is space and perspective created by the mind? Does color even exist? I'm gonna say no. Reading this book drew so much of an impact, that I've come to question everything and believe nothing.
I think we have actually accepted that our eyes pay tricks on us. You could have 5 eyewitnesses standing in the same place and they would give you 5 different testimonies, and this happens on a regular basis. I want to explore that the sense of touch plays tricks on you too. You touch something to confirm depth and texture, but if your mind alters the way you feel things then we can bet that our eyes will adjust accordingly as well, and we end up experiencing something completely different than what actually exists. We may as well forget the world we're living in, because our mind is just making it up anyway.
I would do anything right now to spend my days writing, going to the gym, and doing my art stuff. So I'm trying to take the next steps to make that happen. Step number one, start writing. If JK Rowling can write a 7 book series, while raising 3 kids on welfare, I think I'm out of excuses. I've mostly done those non-fiction narratives that I post sometimes, but I think I'm gonna try my hand at fiction. The worst case scenario of this project is that I coerce someone to include it in a small unknown literary review, in which case I'll make a chap book out of it and give it away. Best case scenario...writing, gym, art. It's win-win because I always wanted to parade around with a chap book and have a fake book release party with my friends. A real book release party doesn't sound as much fun, because you have to sign books, talk about money, and people are in your face all the time and want to have a conversation about the book you thought you were done thinking about when the editor said "it's clean", and you can't make a drunken fool of yourself. God, I hope I fail.
But yeah, I'm gonna write a fiction piece now. Probably no more than 5,000 words, although I'm not aiming for a specific count. It's the story that I dreamt when I got my first full night's sleep after having my first experience with jet-lag in London (I had been to California several times before, but a 3 hour difference never had a major effect on me like traveling to London did).
Last night, I went to the Somerville News writer's festival, which got me pumped up to get started. Before the festival, I was reading Junot Diaz's book "The Brief Wondrous Life of Oscar Wao", and it was so good that I told myself that I should hold off writing until I finish this book, because I felt that reading this book would make me a better writer. There were just so many new ways of thinking. The exposure alone would make me a better person altogether.
That's really what I have going on. I made Kitty a mix CD of nothing new. I rediscovered classic rock and the OTHER Jack Johnson albums and threw in a few indie songs from the free CDs I got at Virgin records.
I really want to get back into the art thing too. This morning I woke up and the sun and the venetian blinds were writing sheet music on my wall. That's what it looked like. I opened the window and the pace grew faster. It was so cool. I took several pictures and now I want to make a project out of it, but I want to focus on writing too.
How do I like my job? Sometimes, I have the sudden urge to stand up over my cube and scream, "what the fuck is wrong with you people?" All of these intelligent characters working in a mechanical zombie zone. At first, I felt like I was losing a year of my life with every passing minute. Now, the boredom of tedious nonsense work is so bad, I swear I'm starting to forget what makes me, me, because "I" would never work here.
That's it. This is Liz Glines (Senior Copywriter looking for a full-time pharma advertising job in the Boston area) Peace.
Thursday, November 20, 2008
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Telarosa Rolls in Delta's Vinton Stakes
The Jet Black Patriot filly wins by three-quarters of a length on Saturday.
May 12, 2016
Q-Racing Journal
Lucas Constantin rode Telarosa to a wire-to-wire, three-quarter length victory in Saturday's $50,000 Vinton Stakes (RG3) for Louisiana-bred 3-year-olds at Delta Downs.
Under showery skies on a sealed but fast track, Telarosa went 400 yards in :19.783 and recorded a 93 speed index. Kenneth Roberts Sr. trained the sorrel Jet Black Patriot filly for owner Douglas O. Traylor.
Telarosa was bred by James Ronald Magnon. The filly, a $30,000 buy at the 2014 Louisiana Quarter Horse Breeders' Association Yearling Sale, has banked $193,807 from eight outs, and her four wins include last year's LQHBA Sale Futurity (RG1) at Fair Grounds Racecourse in New Orleans.
Telarosa's resume includes a second-place finish to Jet Black Zoomer in the December 12, $100,000 Louisiana Champions Day Juvenile Stakes (RG2) at Fair Grounds.
Jessa Louisiana Zoom ran second and was followed by My Favorite Blue, Jess Blue Intriguing, Jet Black Zoomer, Special Coors Cartel, 6-5 favorite Jess A Saint, Zoomin For Grady, and Blues Favorite Fish.
AQHA News and information is a service of the American Quarter Horse Association. For more news and information, follow @AQHA Racing on Twitter, "like" Q-Racing on Facebook, and visit www.aqharacing.com.


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Although it has been quite some time since Hurricane Irma made landfall in South Florida, many families are still confined to living in hotels due to the inability to find new housing or returner to their former home; the conditions of homes that were damaged by Irma are still unfit to live in. As if the destruction of this hurricane didn't cause enough stress and anguish to families, officials announced that eligibility for the federal government's temporary hotel program expired this month. With so many families still residing in hotels, this sent a frenzy across South Florida. In fear that many families would soon face destitution, an abundance of social service agencies worked their hardest to ensure that families would not be forced to live on the streets.
Thousands Are Still Living In Hotels
On January 3rd, there was a recorded number of 4,359 families in Florida that were living in hotels on the temporary hotel program enacted by the federal government. Only one week later, the 4,359 families decreased by half to approximately 2,011 families; and not because their homes were deemed habitable or new homes became available to them. Unfortunately, even though FEMA made the effort to expand the program until February 6th, many officials were still informing families that they could no longer reside in their designated hotel. Due to this, hotel residents in Broward County dropped from 318 families to 109, 561 to 280 in Miami-Dade County, and 146 to 52 in Palm Beach County. In an effort to save families from the fate of being destitute, The United Way of Broward County interceded. Unfortunately, they were only able to help 105 families and are unsure of the outcomes that other families are being forced to deal with.
Fortunately, in light of this deplorable situation, the city of Fort Lauderdale decided to offer hotel assistance to the families who were no longer eligible for FEMA's program. Since the city of Fort Lauderdale lent a helping hand, FEMA released a statement regarding the manner in which they deemed families ineligible for their program. John Mill, FEMA's spokesman explained that there was a multitude of reasons as to why a family's housing assistance was suspended. Mill stated that if a family didn't respond to calls or emails that inquired their status, their insurance covered their losses, their residence was deemed safe to live in, or the family received another form of housing assistance from FEMA, then their eligibility for hotel residence was no longer valid.
Currently, rental assistance from Hurricane Irma currently resides at $130 million in Miami-Dade, $62 million in Broward County, and $33 million in Palm Beach County. The state of Florida is working its very hardest to rebuild the areas that were destroyed by Irma, allowing families to move back into their homes or create new, affordable and accessible housing for them to start a new life in.
Secure Your Home With The Best Kind of Protection
Hurricanes are just an inevitable occurrence in South Florida. The best thing we can do is to secure our homes and families in case of the worst. Don't bother with the hassle of installing plyboard or hurricane shutters every time there is the threat of a major storm. At All American Windows, we install impact windows in Fort Lauderdale and through South Florida that offer the most reliable form of hurricane protection. Contact us today at 954-786-8525


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Hello Members,
Kid's Camp is off to a great start and my staff and I have had fun getting to know the kids. In July and August, I have lots of fun activities planned. We have special guests coming and if your child doesn't normally attend but would like to join us for one or more of our special guest events, the cost will be $10 per non-camper. If you have any questions about these events or this year's Kid's Camp, please feel free to contact me!
I am still working out details for some of our other special guests and working on confirming dates for our "Meet the Staff" days where we will take the kids to meet each Department Head and learn more about the inner workings of the club.
Don't forget that Kid's Night Out is happening every Wednesday and Friday throughout the summer and my staff and I look forward to hanging out with your children while you enjoy a round of golf, play some tennis, or even just want a nice dinner in the Boat Bar.
Please remember that we do spend time outside everyday so please send sunscreen, water bottles, and swimsuits. This way the children can comfortably spend time outside.
See you soon!


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Hunter did some art of the two main characters of Boot Hill the other day, and I'm in love. (Click to view a larger image)
For those of you who don't know, on the right is the notorious gunslinger Finch (lookin' a little laid back, hehe), and that lanky thing on the left is Linds. It's quite a while before the two of them get this comfortable around each other. Like 400 pages 'quite a while.' But it's all worth it because things like this happen.
And there was much rejoicing!
Original link to art Here
Monday, July 25, 2011
Some New Art!
at 10:17 AM
3 lived to tell about it:
- linda said... Reply
Ooh, awesome art! Thanks for sharing. :)
- July 25, 2011 at 9:39 PM
- Ninja said... Reply
It's so cute~! <3
- July 28, 2011 at 5:33 AM
- King of the Eyesores said... Reply
I'll try and share art like this a little more. It's always fun, I think!
- July 29, 2011 at 9:33 PM
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Should you need cash, getting a automotive equity loan or automotive title mortgage is never a wise monetary choice. Access multiple lenders with a 5-minute utility for a cash advance in your paycheck. Lenders might provide add-ons with the mortgage, resembling roadside service plans, that can increase the cost of your loan. The comparative Home Equity vs Car Loan Calculator may also help you find the answers. We'll evaluate your information and a local Auto Money representative will contact you relating to your loan.
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Steven Zubich
Piano Instructor
Instruments: Piano
Styles: Classical, Contemporary, Beginner Jazz, Music Theory & Composition, Ensemble Coaching
Ages: 5+
Specialties: Strong technical and theoretical development; Growth of expression through technique; Lessons are planned so Technique, Theory, Sight reading and repertoire are covered in every lesson for students at every level.
Pianist Steven Zubich is an alumnus of the Perpich Center for Arts Education in Golden Valley, Minnesota. He earned a B.A. in music and a minor in art history from the University of Minnesota-Duluth where he studied solo and collaborative piano with Tracy Lipke-Perry. At UMD, he received extensive musical training through supplemental elective coursework in piano pedagogy, musicology, music theory and composition. He was highlighted with the UMD Symphony orchestra as the winner of UMD's 12th Annual Concerto and Aria competition. He received his Master's degree in piano performance from the University of Wisconsin-Milwaukee where he studied with Venezuelan concert pianists Elena Abend and Judit Jaimes. His studies in piano pedagogy at UWM was led by Margaret Otwell.
An adventurous and dynamic performer, Zubich enjoys an exciting career as a solo and collaborative pianist performing a colorful variety of styles and genres in repertoire, including antique and new music. As an engaged instructor in the twin cities metro area, he teaches through Saint Paul Public Schools community education, Cyprus School of Music and the Arts in Burnsville, and maintains a private studio in St Paul. Through his work and expertise, he provides individual and group lessons in piano and music theory, and instrumental chamber coachings. Zubich is a member of MTNA and MMTA.
As a teacher, Zubich firmly believes that music is a skill that everyone can learn, regardless of musical background or natural aptitude. Each of his pupils receives the same technical and theoretical framework while advanced students explore individualized artistic and expressive journeys. Zubich has an exciting variety of apprentices and works successfully with young beginners, gifted children, intermediate and advanced adults, young and mature alike. He strives to inspire and motivate each student through their individual interests and talents with an approach that maintains focus through creativity and interaction.
$30 – 30 minute lesson
$40 – 45 minute lesson
$50 – 1 hour lesson
Cancellations must be made at least 24 hours in advance in order to schedule a make up lesson. Payment is made at the beginning of the month for all sessions included in the monthly calendar.


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Now that there are no children in the immediate family, Easter is a far more chill time of year for my family. Like all other holidays, the core of it tends to be going over to my uncle and aunt's place, having dinner, watching some MST3K (especially true now), and comparing notes on working in the arts.
So no, not a lot of egg dyeing goes on. Even so, I did stop in on Discover Teas' egg dyeing workshop beforehand. The class taught you how to forego store-bought dyes and use natural tea leaves and herbs (plus another ingredient or two) to create your own pretty colours at home.
We did get a worksheet of what herbs and teas produce which effects -- in the interests of the shop, I won't be cribbing it. But for quick examples? Regular black tea gives a reddish-brown hue, hibiscus gives a greyish-black, and various shades of yellow can be achieved with chamomile, turmeric, or green tea. How to do it and how to get various effects can be learned at a class like this one -- but one thing I'll say is that, unlike drugstore dye, the eggs have to sit a lot longer. Talking into the hours. But it's worth it.
Emily did a great job teaching the class -- she even had a very cool Overwatch themed egg she made in advance. (Sadly, didn't get a photo of that.) We also got to take our own eggs home, already in a tea/dye bath, to see how they turned out later. I went with the black tea.
Sadly I didn't have a chance to do any experimenting with other colours this year, but I'm hoping to play with some different teas next year and do a nice little basket for my family. If you're interested in learning more cool things like this, look up Discover Teas on Facebook!


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The Learning Corp, formerly known as Constant Therapy, designs mobile applications for continuous and customizable therapy for people with speech, language, cognition, memory, and learning disorders.
Born out of groundbreaking research at Professor Swathi Kiran's laboratory at Boston University, the company's comprehensive set of tools are in use at nationally recognized rehabilitation institutions for stroke survivors, victims of traumatic brain injury (TBI), people struggling with aphasia or dementia, and children who need special education and care due to learning disabilities. With 65 task categories and a growing library of over 100,000 exercises, patients continue to make progress at home and even after traditional care ends in the clinic.
For more information, please visit their website, follow them on Twitter or join them on Facebook.


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Odd: 3 weighted strict pull up (e: 5-7 pull ups or ring rows)
*strength will get 5-8 minutes to work up to their starting weight for the EMOM.
*endurance will test a 1000m row during the 5-8 minutes before the EMOM.
10 power cleans 135/95
10 Jerks (135/95)
10 Toes to Bar
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Today I took the boys to see Rogue One. A lot of brilliant cinematic choices were made but don't worry this is by no means a spoiler filled review. In fact it has little to do with it at all. This has more to do with a personal feeling.
I previously mentioned my time in tabletop would soon come but we're going to touch on it a bit early. The first time I ever through dice was star wars. In 1999 it was the rulebook put out by West end games, which a part of me still feels like it's the most well balanced system I have played.
There was a lot about the expanded universe I didn't know at that time but the ones I played with got me up to speed without really trying. While I played a template, slightly customized of the quixotic jedi, there really weren't classes or clans or other tropes like you may find in dungeons and dragons. It was a game of freedom. You made a character that had skills in their preferred areas.
This is where rogue one took me. Back to this time seventeen years ago. The way the story rolls out, and people come together gave me a feeling of a tabletop story unraveling before my eyes. To this day I have yet to play or run a game like those back in this time.
What it brought me too was 2016 and then 2014. Because two of the players in that game have left this world now. It was them, the gobs, that introduced me to star wars truly. It is rogue one that carries that on, and I wish they could have been here to see it and if they could have to know they thought back on that game as I did.