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SFIG News
Issue Spotlight
Recent Developments
Between sessions all are welcome to stop by SFIG's booth which will be stocked with information about SFIG and great giveaways.
Click here for the ABS East conference agenda.
Click here for S&P's Request for Comment: Global Non-Diversified Auto Dealer Floorplan Rating Methodology.
Click here for SFIG's comment letter.
Following the financial crisis, the housing stock of the United States contained an unusually high number of distressed and, in many cases, vacant, single-family homes. Starting in early 2012, the Federal Housing Finance Agency (FHFA) launched a pilot program to make pools of federally-controlled foreclosed REO properties available to investors with the requirement that such properties be rented out for a specific number of years. Around the same time, institutional investors began to purchase REO properties with the intent to retain and rent out such properties. Over a year and a half later, the supply of REO properties has diminished and property values have stabilized. With many investors analyzing future REO-to-Rental transactions and the possibility of securitizing REO-to-Rental assets, interest has increased in the structuring of such transactions.
It is expected that REO-to-Rental securitizations will rely on two sources of funds to repay investors: rental income paid by the renters in the homes, and the proceeds of the sale of the rental properties by a date certain. The latter source of funds will likely supply the majority of amounts to be paid to investors.
To generate the sale proceeds from the rental properties, these transactions are likely to contain a feature, referred to by one of the credit rating agencies that has issued criteria in this space as a "monetization feature" (Monetization Feature). The Monetization Feature may take the form of a loan with a due date, a put agreement, or some other device that requires the properties to be sold by a date certain. It is expected that the tenor of these transactions will be in the three-to-five year range based primarily on the Monetization Feature.
As a result of property sale proceeds being expected to furnish the lion's share of the source of funds, investors in these transactions will be taking the risk of future housing prices, arguably in a more direct way than they do in RMBS transactions.
As a result of this reliance on home prices, there is some speculation that a continued increase in prices may in fact reduce the number of REO-to-Rental securitizations that will be executed. The reason is simply that it may become more profitable, and less risky, for potential transaction sponsors to sell properties in their portfolios sooner rather than later, and spare themselves the expenses involved in undertaking an REO-to-Rental securitization.
On the other hand, there is also speculation that a robust single-family rental market has long been an overlooked pocket of the nation's housing stock. Historical data that pre-dates the financial crisis indicates that roughly one-third of households in the United States are renters, and that one-third of renters rent single-family homes. Some observers believe, now that larger players have focused on the single-family rental market that the market can be professionalized and made more efficient than if it is left to the small "mom and pop" local operators.
In addition, a possible trend away from home ownership as well as a desire, particularly among younger people, to remain flexible in terms of "going where the jobs are" may nevertheless promote the development of the single-family rental market.
The advocates of a single-family rental program would like to see it become a common financial technique for single-family homes, in the same way that leasing is a popular option for automobiles.
REO-to-Rental Securitization Structures
REO-to-Rental securitizations are likely to be relatively complex, in part but not exclusively due to the presence of the Monetization Feature.
The Borrower/Issuer
In most instances, the borrower/issuer (Borrower) will be a special purpose vehicle (SPV) in the form of a Delaware limited liability company or limited partnership. Pre-securitization warehouse lenders to the portfolio owner often require the Borrower to have one or more independent managers that provide additional protections to the lender by requiring independent manager consent for material actions by the Borrower. In addition, the independent managers may act as "special members" to continue the existence of the Borrower in certain scenarios. The Borrower will act as the primary obligor under the pre-securitization Warehouse line and on the Monetization Feature and will enter into many of the ancillary documents normally entered into by a borrower in a secured lending transaction. The Borrower will own one or more SPVs in a limited liability company or limited partnership form (Property Owners). The Borrower will pledge to the lender its ownership interest in each Property Owner.
The Property Owners
The Property Owners are wholly-owned subsidiaries of the Borrower, and like the Borrower, often are required to have independent managers for the reasons set forth above. In some circumstances, the Property Owners may have been direct subsidiaries of the securitization sponsor or a sponsor related party and have accumulated and warehoused the properties prior to the REO-to-Rental transaction.
To avoid costly re-titling expenses and delays that would be involved in the transfer of the real property from those warehouse entities to new Property Owner SPVs, the securitization investors may permit the sponsor or sponsor related entities to contribute the membership interests in these warehouse entities to the Borrower, effectively making these warehouse entities wholly-owned subsidiaries of the Borrower.
As owners of the real property, the Property Owners will enter into the rental agreements with the renters, management agreements with property managers, assignments of management agreement for the benefit of the investors and a full pledge, guaranty and environmental indemnity in favor of the investors. In addition, if the real properties have mortgages, the Property Owners will act as mortgagors.
In many instances, lenders the investors may encourage the Borrower to create multiple Property Owners in an effort to segregate potential liabilities. Liabilities could arise from, among other sources, environmental claims, suits by renters and regulatory actions. (State regulatory scrutiny may be greater and potential regulation more likely if the transactions are structured as rent-to-own or lease-to-own transactions.) Borrowers likely may choose to have one Property Owner for each state in which real property is located.
Benefits of Property Owner (Not Borrower) Owning Real Properties
By owning real property through the Property Owners, the Borrower will be one step removed (and therefore potentially more insulated) from the potential liabilities described in the preceding paragraph with respect to the Property Owners. In addition, in states where a single action rule prevents a lender from foreclosing on property and then pursuing the related property owner for a loan deficiency, the investors have greater protection and flexibility in the Borrower/Property Owner structure, because the investors can take possession of the pledged ownership interests in the Property Owners that own the real property and pursue the Borrower for the loan deficiency (including any deficiency on the Monetization Feature).
The managers of the properties play a crucial role in REO-to-Rental transactions including, among other things, the maintenance and restoration of properties and interactions with renters including the collection of rents. In part, REO-to-Rental transactions are concentrated in metropolitan areas that suffered high foreclosure rates, because the concentration of REO properties allows for more efficient management by managers. Managers will enter into a management agreement with the Property Owner setting forth the rights and obligations of the manager with respect to the properties. The Property Owner then assigns its rights in the management agreement to the lender. Managers may or may not be affiliated with the Borrower.
Those observers who suggest that the recent interest in the REO-to-Rental market may serve to "professionalize" that market often focus on the role of property managers. Many believe that the success or failure of large-scale REO-to-Rental programs will hinge on whether it will be possible to replicate on a regional or national scale the "local touch" brought by the local "mom and pop" property managers that have historically dominated the market.
Investors may require Property Owners to place mortgages on the properties. Absent a proper mortgage filing, a lender's security in the property would not be perfected, potentially jeopardizing the priority of the lender's security interest. To mitigate costs, some lenders will permit blanket mortgages for properties located in a common jurisdiction, but the mortgage process often remains costly and time consuming. In addition, investors and rating agencies may consider mortgages to be a necessary precursor to any securitization of REO-to-Rental assets.
Borrowers are required to obtain and maintain insurance policies mandated by the investors. Required policy coverage may include "all risk" for full replacement cost of a property, rental loss insurance, construction liability insurance, general liability insurance, automobile insurance, worker's compensation insurance and excess liability insurance. The costs of insurance coverage are borne by the Property Owners. The Property Owners generally are required to set aside monthly reserves for the payment of insurance in controlled accounts.
The Borrower is required to maintain a number of collection and reserve accounts, and each account usually is required to be subject to a deposit account control agreement. In addition, each property manager also maintains rent receipt accounts into which the renter's rent payments are collected and security deposit accounts into which renter security deposits are deposited. Both types of accounts typically are required to be subject to deposit account control agreements. Reserves may be required for, among other things, renovations, maintenance, leasing commissions, taxes, insurance and debt service. The deposit account control agreements typically provide for springing control by the lender upon the occurrence of an event of default.
Whether REO-to-Rental securitizations develop into a distinct asset class is likely to depend on several factors: the future direction of home prices, the ability of regional and national property managers to replicate the local touch of the small, local operators that have previously dominated the market, demographic factors relating to mobility and broader consumer sentiment regarding the desirability of home ownership.
To the extent that REO-to-Rental securitizations do occur, they are likely to be relatively complex transactions, the repayment of which will depend in large part on the sale proceeds of the rental properties.
The Chairman and the Ranking Member of SBC are actively working on a GSE reform bill that they expect to introduce by the end of 2013. In the course of developing that bill, the SBC will hold hearings to consider in detail, among other things: (i) the role of the secondary mortgage market in any reform approach; (ii) the role and structure of credit risk transfer; (iii) the structure of a potential guarantee and the role of private capital; (iv) the details and duration of any transition period; and (v) specific views on reform of the government role in multifamily housing finance. The SBC will hold its next hearing on housing finance reform the week of October 7, 2013. After returning from the Columbus Day recess on October 21, 2013, the SBC plans to hold additional housing finance reform hearings each week throughout the fall of 2013.
Click here for the testimony transcripts and webcast of the October 1, 2013 hearing.
The SEC's economists are under some time pressure because regulators have been encouraged by President Barack Obama and Treasury Secretary Jacob J. Lew to finish the rule by the end of 2013. Wall Street banks face a July 21, 2014 deadline for complying with the Volcker Rule, which must be formally adopted by five regulatory agencies before it takes effect. If regulators miss their 2013 goal, banks will have three weeks to file for individual extensions, a process expected to cause more delays.
The Dodd–Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act) requires HUD to propose a QM definition that is aligned with the Ability-to-Repay criteria set out in the Truth-in-Lending Act (TILA) as well as HUD's historic mission to promote affordable mortgage financing options for qualified lower income borrowers. HUD's proposed QM definition also builds off of the existing QM rule finalized by the Consumer Financial Protection Bureau (CFPB) earlier this year.
In order to meet HUD's QM definition, mortgage loans must: require periodic payments; have terms not to exceed 30 years; limit upfront points and fees to no more than 3% with adjustments to facilitate smaller loans (except for Title I, Section 184 and Section 184A loans); and be insured or guaranteed by FHA or HUD.
Similar to the Consumer Financial Protection Bureau's general QM rule, the Proposed Rule establishes two categories of QMs that have different protective features for consumers and different legal consequences for lenders. HUD's proposed QM categories are determined by the relation of the Annual Percentage Rate (APR) of the loan to the Average Prime Offer Rate (APOR).
The first category is a Rebuttable Presumption Qualified Mortgage. These loans will have an APR greater than APOR plus 115 basis points (bps) plus on-going borrower paid mortgage insurance premiums (MIP). Legally, lenders that offer these loans are presumed to have determined that the borrower met the Ability-to-Repay standard. Consumers can challenge that presumption, however, by proving that they did not, in fact, have sufficient income to pay the mortgage and their other living expenses. The second category is Safe Harbor Qualified Mortgages. These will be loans with APRs equal to or less than APOR plus 115bps plus on-going MIP. Lenders originating these mortgages have the greatest legal certainty that they are complying with the Ability-to-Repay standard. Consumers can still legally challenge their lender if they believe the loan does not meet the definitions of a Safe Harbor Qualified Mortgage.
Furthermore, in the Proposed Rule HUD proposes that Title I insured mortgages (manufactured housing and home improvement loans), Section 184 mortgages (Indian Home Loan Guarantee Program), and Section 184A mortgages (Native Hawaiian Housing Loan Guarantee Program) be covered by this rule. The Proposed Rule designates loans within these programs as Safe Harbor Qualified Mortgages and does not require the 3% cap on upfront points/fees and APR to APOR ratio.
Click here for the rule.
The September 2013 FDIC Letter states that facilitating payment processing for merchant customers engaged in higher-risk activities can pose risks to financial institutions; however, those institutions that properly manage these relationships and risks are neither prohibited nor discouraged from providing payment processing services to customers operating in compliance with applicable law.
The September 2013 FDIC Letter states that financial institutions providing payment processing services directly or indirectly for merchant customers engaged in higher-risk activities are expected to perform proper risk assessments, conduct due diligence to determine that merchant customers are operating in accordance with applicable law, and maintain systems to monitor relationships over time. Furthermore, proper management of relationships with merchant customers engaged in higher-risk activities is essential. The FDIC noted in the September 2013 FDIC Letter that financial institutions need to assure themselves that they are not facilitating fraudulent or other illegal activity. Institutions could be exposed to financial or legal risk should the legality of activities be challenged.
The September 2013 FDIC Letter states that the FDIC's examination focus is to assess whether financial institutions are adequately overseeing activities and transactions they process and appropriately managing and mitigating risks. Financial institutions that have appropriate systems and controls will not be criticized for providing payment processing services to businesses operating in compliance with applicable law.
Click here for the text of the September 2013 FDIC Letter.
Click here for the text of the January 2012 FDIC Letter.
The SEF rules ban the practice of privately negotiating swap deals - something that was largely done over the phone. Deals must now be entered into systems that are more like stock exchanges, though negotiating over the phone will still be allowed as long as buyers and sellers can prove that they have spoken to more than one counterparty. The CFTC has been rushing through permits for SEFs. SEFs are required to create and enforce trading rules to which all traders must agree, but the CFTC said on September 27, 2013 that SEFs were having trouble getting all their customers signed on before the deadline.
One CFTC Letter provides time-limited no-action relief to SEFs for compliance with the reporting obligations under Part 43 of the CFTC's regulations and the obligation to report creation data pursuant to Part 45 of the CFTC's regulations, related to swaps in foreign exchange, commodity and equity asset classes. The relief is conditioned on either the reporting counterparty reporting the data, or the SEF back-loading the data when it is able. In addition, the SEFs must submit a notice to the CFTC and comply with all recordkeeping requirements. The relief expires on October 30, 2013 for foreign exchange swaps and on December 2, 2013 for other commodity and equity swaps.
The second CFTC Letter provides time-limited no-action relief to a reporting swap counterparty for failing to report required swap continuation data under Part 45 of the CFTC's regulations or for errors and omissions in swap continuation data for equity, foreign exchange and other commodity asset classes that are executed on, or pursuant to, the a SEF's rules. A reporting counterparty's ability to report continuation data may depend on the SEF's fulfillment of its reporting obligations to report swap creation data. As described above, those obligations have been delayed pursuant to the first CFTC Letter. The reporting swap counterparty must inform the SEF of circumstances causing a failure to report and must retain records of the transactions. This reporting relief expires on October 29, 2013 with respect to foreign exchange swaps and December 1, 2013 with respect to other commodity and equity swaps.
The third CFTC Letter provides time-limited no-action relief to SEFs for enforcement responsibilities required by certain CFTC regulations with respect to market participants trading on those SEFs. The rules covered by this CFTC Letter would require SEFs to enforce their own rulebooks and compel participants to consent to the jurisdiction of the SEF. As a practical result, this means that market participants would have to agree to each SEFs rulebook, many of which have just been released or have not yet been released. SEFs must still create rulebooks, but they will not have to enforce them against market participants until November 1, 2013 when the no-action relief of the third CFTC letter expires.
Click here for the full text of the CFTC Letters.
Click here for the full text of H.R. 922.
During the economic crisis, the FHA increased its mortgage financing activity, causing the Fund considerable stress. The Fund's capital reserve ratio has been below a statutory 2% threshold since 2009. Under federal law, the FHA is required to have enough reserves to cover all of its anticipated future losses over 30 years.
In the Order, CFPB Director Richard Cordray, who has the sole authority to rule on appeals of CIDs, states that the Consumer Financial Protection Act (CFPA) "broadly authorized the [CFPB] to issue a CID to 'any person' the [CFPB] has reason to believe may have information relevant to a violation." The Order states that the Lenders fall within the definition of "persons" for the purposes of the CFPA.
Furthermore, Mr. Cordray noted in the Order that tribal sovereign immunity does not apply to the Lenders and the CFPB has the right to regulate the Lenders' activities, including probing to see whether their product offerings complied with the CFPA and other federal consumer protection laws because the Lenders are believed to be doing business with customers outside of tribal jurisdiction.
The CFPB states that it will proceed with the CIDs and that the Lenders must provide the requested information within 21 days of the Order.
Click here for the CFPB's Decision.
Click here for the Lenders' joint petition.
The first interim final rule applies to bank holding companies with over $50 billion in total consolidated assets. The second rule also requires these companies to incorporate the revised capital framework into their projections and stress tests, and clarifies that for the upcoming cycle, capital adequacy will continue to be assessed against a minimum 5% tier 1 common ratio. The second interim final rule provides a one-year transition period for banking organizations with between $10 billion and $50 billion in total consolidated assets. It requires these companies to calculate stress test projections using the FRB's current regulatory capital rules during the upcoming stress test to allow time to adjust their internal systems to the revised framework.
In addition, both rules clarify that companies will not be required to use the advanced approaches in the Basel III rules in a given annual cycle unless they are notified by September 30 of that given year, prior to the start of that capital planning and stress testing cycle. The rules became effective on September 30, 2013, and comments are due by November 25, 2013.
Click here for the first interim final rule that applies to bank holding companies with over $50 billion in total consolidated assets.
Click here for the second interim final rule that applies to banking organizations with total consolidated assets of more than $10 billion but less than $50 billion.
Click here for the CFPB Small Creditor Qualified Mortgage Reference Chart.
Regarding securitization, the GFMA Comment Letter points out that the proposed changes to the leverage ratio calculation methodologies could potentially impact securitization issuers because the Exposure Measure (the denominator) would include all assets "that are inside the scope of regulatory consolidation or inside the scope of accounting consolidation" whereas the Capital Measure (the numerator) is calculated using only the regulatory scope of consolidation. The GFMA Comment Letter recommends that the regulatory scope of consolidation be used in the calculation of the Exposure Measure (the denominator) of the leverage ratio. The GFMA Comment Letter also notes that the Basel Committee should take full account of pending changes in both international and US accounting standards including stricter consolidation requirements for securitization-related activities.
In the GFMA Comment Letter, the industry groups said that they are concerned that the proposed framework's methodologies would significantly overstate actual economic exposure of banks. Their view is that the proposed framework's methodologies will result in the leverage ratio, rather than the risk-based capital ratio, becoming the binding capital measure for a significant number of banks. The industry groups emphasize in the GFMA Comment Letter that a binding leverage ratio would require banks to hold much higher capital for their least risky assets such as cash and highly liquid government securities.
The GFMA Comment Letter recommends a range of modifications to the Basel Committee, including the exclusion of cash claims on central banks from its exposure measurements, as well as excluding several very low risk assets. The GFMA Comment Letter explained that by not including these assets in the leverage ratio, there would be less incentive for banks to push them out of their portfolios in favor of riskier financial instruments. The letter suggested that there should at least be partial exclusions on such assets based on their relative levels of liquidity to ensure that the securities financing market keeps functioning. The GFMA Comment Letter urged the Basel Committee to reaffirm the principles that "the supplementary leverage ratio is intended to be just that –supplementary and a backstop—not the binding capital ratio that supersedes the risk-based requirement and that "national authorities should adopt capital standards, including leverage ratios, that are comparable internationally."
On September 20, 2013, the Clearing House Association L.L.C. (Clearing House) submitted a comment letter (Clearing House Comment Letter) to the Basel Committee. The Clearing House Comment Letter raises many of the same concerns detailed in the GFMA Comment Letter. In addition the Clearing House Comment Letter discusses the results of a study (Clearing House Leverage Study) conducted by Clearing House on the impact of the proposed revisions to Basel III on the U.S. banking industry, products offered by U.S. Banks and U.S. markets. The Clearing House Leverage study found that the combination of the U.S. proposal for U.S. global systemically important banks (G-SIB) and the Basel III proposal would establish the leverage ratio as a binding constraint for 67% of U.S. G-SIB assets or approximately 40% of the overall U.S. banking and securities industry. Clearing House argues in its comment letter that this is inconsistent with the Basel Committee's stated intent to establish the leverage ratio as a "backstop" to risk-based capital measures and would produce perverse financial and economic outcomes.
Click here for the GFMA Comment Letter.
Click here for the Clearing House Comment Letter.
Click here for the results of the Clearing House Leverage Study.
Click here for the June 2013 Consultative Document issued by the Basel Committee, "Revised Basel III leverage ratio framework and disclosure requirements."
Click here for more information about the ECB's ABS Loan-level initiative.
Fall Symposium – October 29, 2013, New York City, New York, 5pm – 8pm. The Symposium will be followed by a cocktail party. The event is open to both members and non-members. The event will be held at the offices of Cadwalader, Wickersham & Taft, One World Financial Center, New York City, New York.
ABS Vegas 2014 – January 21-24, Las Vegas, Nevada. Click here for more information.
SFIG is now accepting sponsorship contracts for this conference. If you are interested, please contact SFIG.
SFIG is pleased to share this edition of its newsletter with our members, as well as our supporters in the structured finance community. To ensure that you receive future editions of the newsletter, please visit our website (www.sfindustry.org) to learn about membership opportunities.
Contact Information
For all matters, please contact Richard Johns.
For Investor related matters, please contact Kristi Leo.
For ABS Policy related matters, please contact Sairah Burki.
For MBS Policy related matters, please contact Sonny Abbasi.


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One of harness racing's most prolific driver-trainer teams flexed their collective muscles at the Meadowlands Friday night, as Yannick Gingras made five trips to the winner's circle while Ron Burke – with Gingras doing the driving – had four on top.The one victory Gingras had without Burke came in the eighth race feature – a $20,000 conditioned trot that could have been written as a Preferred Handicap – with the Dylan Davis-trained Theresademoninme.One week after being beaten a nose by the pocket-sitting Opulent Yankee, Gingras returned the favor by sitting a two-hole trip with Theresademoninme this time around as Opulent Yankee (the 3-1 second choice) sailed around the track on the point. After hitting three-quarters in 1:24.3, the leader looked poised to take his third straight, but Gingras and Theresademoninme popped out of the pocket as they straightened away at the head of the stretch and wore down the leader to win by a length in 1:53.4 and return $9.00 to win as the third choice in the betting.Celebrity Pegasus, the 8-5 public choice, sat a three-hole trip and was not a factor at any time during the stretch drive.The Gingras and Burke show began in the fourth race as Monica Gallagher ($5.40 to win as the favorite) took a fillies and mares conditioned pace in 1:53.2. Misslarose ($7.00) was next in the fifth, winning a conditioned trot in 1:55.1 before Bettorhaveanother ($4.40 as the public choice) beat conditioned mare pacers in 1:53.2 in the seventh. The duo's four-bagger concluded when Skippin By ($3.40 as the 3-5 chalk) won the ninth race conditioned pace for fillies and mares in 1:53.3.A LITTLE MORE: The 20-Cent Survivor Pick 10 had a pool that surpassed $20,000 for the second time in 2018 (a total of $20,366 was wagered) and one lucky patron playing into the betting hub in Portland, OR walked away with $17,309 for 'surviving' seven legs. … The Late 20-Cent Jackpot Super High Five failed to result in a single-ticket winner, upping the carryover to $87,767.21. … All-source wagering totaled $2,377,738. … Racing resumes at the Big M Saturday at 6:35 p.m.
Meadowlands Racing & Entertainment - 1 Racetrack Drive - East Rutherford, NJ 07073 - Call us at (201) THE-BIGM
©2018 New Meadowlands Racetrack, LLC. All rights reserved. Gambling Problem? Call 800-GAMBLER

subset: commoncrawl


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I was so excited when I seen that the Stamping for the weekend was up and running again. I just had to do this card. (waving ....hope all is well Kimmie) I also will be posting this card over at Secret Crafter #53 as the colors they are calling for is Autumn.
Thanks for stopping by today and visiting my little blog. I hope you will leave a comment so that I can come a visit you too..
hugs and have a blessed day,
Stamps: Bear with mice The Pixie Cottage, Fall Collection Plum Purdy
Ink: copic markers, watercolors pencils


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I'm a great storyteller. I'm not talking about blogging or writing an actual story. I'm talking about everyday life. I'm talking about when someone asks me a question, I'm good at going into storytelling mode. I'm good at telling a story so you understand what I'm trying to get at. I'm good at giving you all the background information I think you need to know so that you understand where I'm coming from or why I did such-and-such or said "blue" to so-and-so. This is great when you're actually telling a story, but when you're trying to get at the core of who you are, there's one simple rule to follow:
Rule #1: Quit your storytelling.
Storytelling is about shaping words into paragraphs and making sense of them. Stories are about what's happened. Stories get us from one point of understanding to another by way of a very windy road. Storytelling is not the quickest way to get from point A to point B.
Getting from point A to point B, by way of windy mountain road
Here's an example of storytelling:
Coach: What's keeping you from getting where you really want to be in your life?
Client: I really wanted to get my Master's Degree, but then we had kids, and then I had to keep working to make ends meet and provide for the kids, and then that put stress on the relationship and we got divorced, so now I'm a single mom with two kids and I can barely keep up with everything, and now the kids want to go to college, but I just don't see how I'm going to afford that, I'll have to get another job and then I won't have any kind of social life and I'll just go home and go to work and won't even be able to see my kids at all and…..
This is the kind of story I'm talking about. True, that's a fabricated conversation up there, but the essence of it happens to us when we get asked why we're not where we want to be. We come up with external factors, we get ahead of ourselves, we fall back on who we used to be and what used to drive us. In short, we forget about the very moment we're in right here and right now.
What's keeping you from getting where you really want to be in your life? You. The choices you make right here and right now. Are you moving toward your goal or are you moving away from it? There can only be one answer to that.
This example begins in the past, which makes it difficult to bring around to the present:
Coach: What steps are you taking to move toward your goal?
Client: Well, I took a course a couple of years ago, but I haven't been able to find the time to take one recently. There's just so much going on, and between my job and the kids and the….. (you see where this is leading, right?)
When you ask yourself, "What steps am I taking toward my goal?" it's okay if the answer is "nothing." As long as that answer comes from right here, right now. This answer gives you a starting point from right here, right now.
This example begins in the present, and veers off in thought, eventually attempting to qualify the answer:
Coach: What steps are you taking to move toward your goal?
Client: I enrolled in a course for this Spring, but it hasn't started yet, and I just don't know how I'm even going to make the time for it, but I"m committed, and I really want to make it work.
Even this is a story. The answer to the question is "I enrolled in a course for this Spring." Bottom line, end of story. None of the other stuff matters. None of the other stuff is in the present. None of the other stuff has happened, nor predictable that it will happen.
Direct route from point A to point B
Here's an example of a present and direct answer:
Coach: What steps are you willing to take in order to make the course successful for you?
Client: I am willing to make a schedule that allows time for the class and for the homework for the course.
No storytelling in that answer. No qualifying, no veering; it's simply what the client is willing to do.
It's in our nature to create a story, even around the things that are so important to us. We want to make it comfortable and feel like home. And what we need is to step into the discomfort of the bottom line sometimes. The bottom line is the answer to the question. The bottom line is in the present. The bottom line is you and what's really there in your present.
So how do you quit your storytelling?
Awareness. First, become aware of yourself and your storytelling. Notice when you tell stories to fill the space. Notice when you tell stories to avoid truths. Notice when you tell stories because you don't want to reveal (or dig into) what's really there. And then practice getting to the point.
You know when you're storytelling, even when others don't. If you catch yourself, congratulate yourself for your awareness. Awareness is the key. First you create awareness, then you practice bottom lining. Practice leaving out unnecessary details. Practice giving short, concise answers to convey what you mean. You can even try giving yourself a word limit. Let's try it now: In 10 words or less, what's keeping you from being who or where you want to be in your life?
Easy, right? Not at first, maybe. At first, it requires thought. Notice what your tendency is. Notice if you immediately try to fill the space, the silence. Notice if you are uncomfortable with the silence. Notice if you are uncomfortable with the question. Notice if you're comfortable with the silence, and take your time to answer the question. Notice where your mind takes you for the answer. Notice if the answer comes easily to you. Simply be aware of where you are in the present moment of answering the question. And practice that in your conversations. Not all conversations will work with this bottom lining, but notice the impact that it has on the ones that do.
When you practice this awareness and bottom-lining, you may find yourself in some discomfort. This discomfort is change. And what is change? Change is growth.


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Drive Size vs. Memory Size
You might be surprised to learn that drive size is different than memory size. So a 32 gigabyte drive is really closer to 28.88 gibibytes in memory.
Why the loss in size?
To make more money per byte, hard drive and thumb drive manufacturers don't use the standard 1,024 megabytes in a gigabyte. Instead, they use 1,000.
This difference has created two size standards. For example: gibibyte and gigabyte, and mebibyte and megabyte. The "mega" and "giga", regarding storage devices, refer to the advertised size at 1 gigabyte per 1,000 megabytes. The "mebi" and "gibi" refer to the actual size divided into one gibibyte per 1,024 mebibytes.


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A 6-for-12 weekend at the plate accented by six runs batted in, two doubles, and a pair of stolen bases fetched Valpo outfielder Nolan Lodden (West Des Moines, Iowa/West Des Moines Valley [Heartland CC]) Horizon League Batter of the Week honors, as announced by the league office Monday afternoon.
Lodden boosted his batting average from .312 to a team-high .356 during the Crusaders' sweep of the Northern Kentucky Norse this past weekend in Highland Heights. He scored a run and drove in another in Saturday's 6-4 victory over the Norse. Lodden swiped two bases in that contest as well. The senior saved his best for Sunday's finale, though. He finished the day 5-for-6 with two doubles, a run, and five RBIs in the Brown and Gold's 16-1 sweep-clinching triumph.
His .356 batting average and .442 on-base percentage both rank third in the Horizon League. His 17 runs scored equal the second-most by an HL player.
Lodden and the Crusaders (7-11, 3-0 Horizon) host Wright State (13-7, 3-0 Horizon) in a three-game set beginning Thursday at 3 pm CT.
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This year was the third year I photographed the K9 Cancer Walk at Vasona to benefit the Morris Animal Foundation. So many dogs develop and succumb to cancer.
Sad, but true, last year at the cancer walk, the oncologist from Sage who had treated my Snausage for Lymphoma was asking how she was doing. Snausage had completed treatment and went into remission, but eventually it returned. Over time she developed other problems and wasn't doing very well. The next day Snausage passed away. 🙁
Here are photos from a photo session I did of her while she was in remission. She had a lot of energy and was 15 years old at that time.
800 to 1000 people attended this year's cancer walk and a new high of $135,000 was raised. I want to photograph all the dogs, but there are just so many and with all the other dogs and people it is challenging to get the kind of photo I capture during a pet photography photo session.
Photos from the walk are displayed on my website, here, and I sell digital files and prints. All the profit goes to the Morris Animal Foundation. Last year I was giving free digital files and this year decided to sell the digital files for a super low price of $5 each hoping to raise a lot more money for MAF. Sadly, only a few have been purchased. There are plenty of doggie gems amongst all the photos.
I arrived early to photograph the environment and then dogs as they start arriving. German Shepherds and Golden Retrievers were the most common breeds there and my photos reflect that.
Pre arranged a setup with the German Shepherds of the Bay Area for the trained ones. There were a few more "trained" dogs there but some decided to leave the hill.
The crowd listening to the speakers prior to the walk.
A pack of pugs.
This wiener dog looked a lot like my Snausage.


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All I want is my two front teeth:
From CBC Radio's "Quirks and Quarks" podcast:
Dr. Joy Richmond, Professor of Pediatric Dentistry at UBC, just mentioned that many of the present dental problems are actually caused by our highly processed food.
In the past (and as recently as the Dark Ages), our food was quite coarse, containing a lot of grit and abrasive material that ground our teeth down. This wear allowed our teeth to fit better in our jaws. That wear is no longer a factor, and our teeth retain their points much longer than is natural, which causes much more force to torque the teeth each time we chew (or grind our teeth), and it is this that causes much of the crookedness and crowding in modern teeth.
This is visible when we look at the statistics of dental problems in ancient skulls - in general, older skulls have fewer dental problems than modern ones (although of course, if you did have problems, they were probably pretty agonizing, since there was little that could be done about it).


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Brian Bedford, a Master Stage Actor Who Specialized in Classics, Dies at 80
by Bruce Weber New York Times 1/14/2016
Brian Bedford, the British-born actor, reared in working-class misery, who became a stellar portrayer of the princes, kings, fops and faded aristocrats of Shakespeare, Molière and Chekhov, died on Wednesday in Santa Barbara, Calif. He was 80.
The cause was cancer, said one of his agents, Richard Schmenner.
A dapper, handsome man with a comfortingly resonant speaking voice, Mr. Bedford was an understated and perhaps undersung star. He was a protégé of John Gielgud and a theater-school classmate of Alan Bates, Albert Finney and Peter O'Toole, sharing their elaborate gifts but not their celebrity, probably because he performed only occasionally in movies and on television.
His stage career, however -- in England, in the United States (Off Broadway as well as on) and in Canada, where he was a mainstay at the Stratford Shakespeare Festival for nearly four decades -- had few equals. Playing comedy or tragedy, pathos or hilarity, Mr. Bedford was known for controlled and layered performances, and for finding the depth and subtlety in monumental characters, from King Lear to Tartuffe.
He won only one Tony Award, in 1971, for playing Arnolphe, the desperately jealous and insecure spouse-seeker in Molière's "School for Wives," but he did it against especially formidable competition; Gielgud and Ralph Richardson were among the other nominees.
In 2011, Mr. Bedford, who appeared in 18 Broadway productions, earned his seventh Tony nomination for his drag performance as Lady Bracknell, Oscar Wilde's often-wrong, ever-certain social arbiter, in "The Importance of Being Earnest."
"With his long jaw and listening eyes, Bedford, now 75, uses his physiognomy to tell the stories that no playwright or director can prefigure; that is, he allows himself to be transformed by the theatrical moment," Hilton Als wrote in The New Yorker in a brief, admiring article about the show.
He added: "As a kind of magistrate in a tall wig and a false front, Bracknell lives for her younger charges' attempts to contradict her. But how can they scale the wall of imperiousness that Bedford builds with his silences and his disapproving glances? Life doesn't stand a chance in the face of such brutally honest artifice."
Mr. Bedford was also the director of "Earnest," a production that originated at Stratford (now simply called the Stratford Festival) and was itself nominated for a Tony as best revival. And though his career as a director was consequential -- Mr. Bedford staged more than 20 shows at Stratford -- he craved performing most of all.
"I'm most alive when I'm acting," he said. "I can't deny it, it's where I belong."
His résumé was vast. His Shakespearean roles included Hamlet, Brutus, Macbeth, Richard II, Richard III, Shylock, King Leontes, Timon of Athens, Benedick, Ariel and Dogberry. His Chekhov included Astrov in "Uncle Vanya," Tusenbach in "The Three Sisters" and Trigorin in "The Seagull."
In more modern roles he was Elyot in Noël Coward's "Private Lives," Vladimir in Beckett's "Waiting for Godot," Henry in "The Real Thing" by Tom Stoppard, Martin Dysart in Peter Shaffer's "Equus," Salieri in Mr. Shaffer's "Amadeus" and the title character in Simon Gray's "Butley."
A student of theater history, Mr. Bedford played not just the roles that the great writers wrote, but also the writers themselves in one-man shows about them.
"He is perhaps the finest English-language interpreter of classical comedy of his generation, and he seems to pick up a Tony nomination every time he steps on a Broadway stage," Ben Brantley wrote in The New York Times in 2011. "Yet he is as likely to be found on a cruise ship performing a one-man show about Shakespeare or Oscar Wilde, or in Prague, in high summer, appearing in a supporting role in a traveling musical production of 'A Christmas Carol' starring Kelsey Grammer."
For an actor who became known for interpreting classic works, his background might be considered surprising.
Mr. Bedford was born on Feb. 16, 1935, in the mill town of Morley, near Leeds and Bradford, in Yorkshire -- "a pretty awful place," he told The New York Post in 1971, comparing it to Lawrence, Mass., another city that played a grim role in his family history. "Only much dirtier. Chimneys belching smoke night and day."
His father, Arthur, was a postal worker; his mother, the former Eleanor O'Donnell, was a factory weaver. Two of his three older brothers died of tuberculosis. Sometime after Brian left home and began his acting career, his father took his own life.
"Suicide runs in the family," Mr. Bedford said in a Times interview in 1971. "My father's brother also committed suicide. He got a girl into trouble when he was 22, and in order to save face for both families, he emigrated to America, took a boat to Boston, went to a tiny place -- Lawrence, Mass. -- booked into a hotel and shot himself in the mouth."
The austerity of his upbringing fostered a lively fantasy life. "I used to spend all my time pretending to be a radio," Mr. Bedford said. He attended a Roman Catholic school in Bradford but left at 15, working in a warehouse by day and performing in amateur theater at night. At 18, he auditioned for the Royal Academy of Dramatic Art.
"I did a bit of Romeo and a bit of 'Boy With a Cart"' -- a verse drama about a saint by the 20th-century playwright Christopher Fry -- "and I got a scholarship," he recalled. "That was the beginning of my life. I moved to London."
At RADA, as the academy is familiarly known, Mr. Bedford joined a generation of actors who came of age at a turning point on the British stage, when class conflict and the lives of young people in hardscrabble circumstances became central subjects, realism displaced escapism, and gentility was no longer a watchword for writers or performers.
The shift was given impetus with the first performance, in 1956, of John Osborne's "Look Back in Anger," about life in a cramped city flat. It propelled a movement of playwrights and novelists, joined by Arnold Wesker, Alan Sillitoe, John Braine, Kingsley Amis and David Storey, who became known as the angry young men.
Alan Bates, who was Mr. Bedford's roommate in their own cramped flat, appeared in Osborne's play; to do so he had to give up a role in another play, based on stories by F. Scott Fitzgerald, called "The Young and the Beautiful," and Mr. Bedford took over for him.
From there, Peter Brook cast him as Rodolpho, the young swain, in Arthur Miller's "A View From the Bridge" and as Ariel in "The Tempest," which starred Gielgud, whom Mr. Bedford had met while at school and who had counseled him when, at 21, he played Hamlet at the Liverpool Repertory Theater.
Gielgud later directed him in "Five Finger Exercise," Peter Shaffer's play about an imploding family, which brought him to New York for the first time in 1959; the play ran for 10 months on Broadway.
Mr. Bedford appeared again on Broadway in the early 1960s -- in "Lord Pengo," a comedy by S. N. Behrman, and in an evening of one-acts by Mr. Shaffer, "The Private Ear" and "The Public Eye." He also appeared Off Broadway in "The Knack," a frisky bachelor-pad comedy directed by Mike Nichols (fresh from his triumph with Neil Simon's "Barefoot in the Park"), after which he decided to move to New York.
"I found England dreary," Mr. Bedford later explained. "I suppose it's understandable if your childhood was as mean as mine."
In the movies, Mr. Bedford appeared in "Grand Prix" (1966) with James Garner, and as Clyde Tolson, associate director of the F.B.I., in "Nixon" (1995), whose title role was played by his fellow Briton Anthony Hopkins.
His best-known film role may be the voice of the title character in the Disney animated feature "Robin Hood" (1973), who was portrayed as a fox. On television he made occasional guest appearances on prime-time series, including "Ben Casey," "Judd for the Defense," "Murder, She Wrote," "Cheers," "Frasier" and "The Equalizer."
In 1975, after his debut performance at Stratford as Malvolio in "Twelfth Night," the festival became his artistic home. He performed in more than 50 productions there, taking on many of his grandest and most celebrated classic roles.
He also displayed a wide range as a director at Stratford, staging not just Shakespearean tragedies like "Titus Andronicus," "Othello" and "King Lear" but also 20th-century classics, including "Waiting for Godot" and "Blithe Spirit," and Michael Frayn's contemporary farce "Noises Off," not to mention "Earnest."
He toured internationally in one-man shows of his own creation; in a tour of Shakespeare's life and works called "The Lunatic, the Lover and the Poet"; and in "Ever Yours, Oscar," drawn from the letters of Oscar Wilde.
Mr. Bedford is survived by his partner of 30 years, the actor Tim MacDonald. They married in 2013.
In 2013, illness forced Mr. Bedford to withdraw from a Stratford production of "The Merchant of Venice," in which he was cast as Shylock.
"We were hoping he would bounce back," Antoni Cimolino, Stratford's artistic director, said in an interview on Wednesday. "He was a great actor, a brilliant comedian, a tragedian and comedian of equal measure. For many of us here, he was the reason we went into the theater, an inspiration and a mentor."
"Onstage he was luminous," Mr. Cimolino added. "You could feel he was a theater animal -- he had such a sense of ease. He was like a fish in water on that stage."
R.I.P. Brian Bedford
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Hey all! I hope you are having a wonderful beginning of June and life is not passing you by too quickly...YEAH RIGHT!!! I hear ya! Zoooooooom......... it is speeding by.
Speaking of speed...I love how quick I am able to finish a digi layout and get it posted ASAP! You see, it helps with my feeble brain. The minute I take the pic I scrap it. That is very helpful in this day and age of GO GO GO GO!!!!!
Well without further ado, here is a layout I completed today showing off the new bike I picked up for him at the flea market! When I saw this adorable thingy...I just knew Jay would love it!
This is Amy Sumrall's latest kit from week 5 of the SYTYCD contest! It is titled My Favorite things-1980's. I think she is going to win! You can go here and see all of her kits that are currently freebies!
I found this awesome race care for you at the flea market today. Who knew a little big wheel could be such fun? You sit down on it and try and push it with your feet. You give up and do it Fred Flintstone style. Who knew you could have such fun on a reused toy?! That's it...just doing your part to save the world one plastic toy at a time!
This next layout is of me, when I was young. Again, using the latest kit from Amy Sumrall!
I loved being a big cousin. I loved taking care of babies. Little did I know it was a gift, today being a mother comes naturally.
Here is another layout using the newest kit by Amy Sumrall.
Wednesday, June 3, 2009
Amy Sumrall kit "My Favorite Things"
Posted by jessicamae3 at 4:24 PM
1 comment:
- Amy said...
Oh my gosh, you are such a doll! I just adore you, your pages and I am so lucky you are on my team! I can't thank you enough!
- June 4, 2009 at 4:41 PM
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If you've ever thought about buying the 2010 cult classic Alan Wake then now is the time. The game has had a massive 90% off price drop (at least on Steam). The reason? The game is about to be pulled from retail stores and digital marketplaces, such as Steam and Xbox.
According to developer Remedy Entertainment, Alan Wake will be removed from all retailers on Monday, May 15th. The cause for the removal is apparently music featured in the game that has had its license expire. Remedy is promising to look into getting the licenses renewed, but that isn't too likely considering how old the game is, and how little value would come from keeping it available to new buyers.
Luckily, even if you miss out on this end of the line sale, you'll still be able to enjoy some content from the series. Alan Wake: American Nightmare will remain in stores and online. Remedy explained that they performed the negotiations of that game's music, so it is still active. However, another entity got the rights to the original game's music, causing this problem.
This isn't a new occurrence. We've seen games get pulled from stores for different reasons before, including music licensing. The Rock Band and Guitar Hero series is notorious for this, with many DLC songs appearing and disappearing due to license problems. Still, it's an interesting new element of today's gaming market. With the shift to digital game purchases it is often easier to find games, but once they're removed they are gone forever. Luckily if you have purchased the game already it will permanently remain in your library, so no worries there.


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While Dan Rodricks' column was unfairly derisive in its characterization of Maryland's police chiefs, sheriffs and prosecutors who oppose the legalization of marijuana, he did state one undeniable truth: The legalization of marijuana will mean that more people will smoke pot ("Pot fears expose fears about societal health," Feb. 27).
They will smoke marijuana in order to get high and then get into cars and trucks and drive on our highways.
Marijuana is a potent drug with a proven connection to aggressive behavior. It impairs perception, memory and judgment and diminishes motor skills. The increased use that Mr. Rodricks acknowledges legalization will cause also will bring with it increased motor vehicle accidents caused by drivers who are under the influence.
Yet no one in the General Assembly is proposing to provide law enforcement with the resources it will need to arrest and prosecute these impaired drivers. In fact, just the opposite is true.
The very real danger posed by impaired drivers is just one of many reasons why law enforcement officers oppose the legalization of marijuana. Far from wanting to "continue to devote their resources to … arrest[ing] people for weed," Maryland's chiefs of police and sheriffs want to keep Marylanders safe.
Mr. Rodricks diminishes the important public safety work that law enforcement officers do every day to protect the public. He seems to forget that the "war on drugs" also includes keeping heroin, cocaine and methamphetamine off our streets. Or maybe he thinks those drugs should be legalized too?
Karen J. Kruger, Baltimore
The writer is executive director and general counsel of the Maryland Sheriffs' Association.
To respond to this letter, send an email to firstname.lastname@example.com. Please include your name and contact information.


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When the OCBC 360 was launched, it was one of the hottest bank accounts in Singapore. In late 2016, there were reports of a 30% year-on-year rise in deposits in the account. The bank basically started the trend of offering better benefits on a savings account to a customer, based on their relationship with the bank, changing the focus of deposits from money to loyalty.
Now you have accounts such as UOB One, Standard Chartered Bonus$aver, BOC SmartSaver, and DBS Multiplier, all of which have adapted to the relationship concept. But the OCBC 360 Account remains one of our favourites.
All about OCBC 360
For those who don't know what this account is all about, consider this: OCBC 360 offers you a higher interest rate based on the strength of your relationship with the bank, and not based on the amount you have in the account. The base interest is 0.05% per year, but if you do the following activities aligned with the account, you can earn additional interest:
Related: Best High-Interest Savings Accounts in Singapore
So, the total interest rate you could earn on your OCBC 360 Account is 3.05% if you are adding more money to your account every month. You could get 4.05% on the first S$70,000 if your account has S$200,000 or more in it, but this may be a criterion not all of us would find easy to match.
Plus, the 0.6% to 1.2% p.a. extra interest on the investment component can be enjoyed only if you buy an insurance policy or invest in an OCBC product. Additionally, you will get the extra interest only for a period of 12 months from the date of purchase of the product.
Anyhow, you will earn at least 1.85% interest with just your salary deposit, bill payments and credit card transactions. This is way better than the 0.10% to 0.80% that other banks offer on a normal savings account.
How much do you actually earn?
Let us take a look at how much interest you would get if you have S$70,000 in the account and do at least 3 activities – credit your salary into the account, make 3 bill payments above S$150, and spend a minimum of S$500 on your OCBC credit card. This screenshot from OCBC's 360 Account Interest Calculator gives you an easy breakdown:
What else?
Other advantages of having an OCBC 360 Account are as follows:
- Online security guarantee: If you are attacked by a cyber-criminal while using the OCBC internet or mobile banking, the bank will refund the money that you lose. Of course, this is subject to you following all the necessary online transaction directives. Now you can stop being fidgety about banking online and click away in peace.
- Money In$ights: Forget downloading money management apps and try OCBC's Money In$ights, which tracks your spending on your debit and credit cards, categorises it, and suggests saving modes. This will help you understand your expense patterns and manage your money effectively. It is like having a personal accountant in your pocket.
- Sundays open: OCBC's 19 branches remain open all days, including Sundays, from 11am to 7pm. So if you can't find time during the weekdays to finish some banking work, do it on the weekend!
- Deposit insurance: Your Singapore dollar deposits of up to S$50,000 are protected by law, under the deposit insurance scheme of Singapore Deposit Insurance Corporation. This means that even if the bank goes bust, your money will come back to you unharmed.
If you don't have an OCBC account yet, we just told you why you should get one. If you're an existing OCBC 360 customer, tell us about your experience in the comments below!


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Incorporating a screen onto the front portion of the design, the 'Pixel' plant vase is designed to offer an inherently modern aesthetic that turns any plant life into a pixelated image.
The 'Pixel' vase is wide in design and incorporates the aforementioned panel on the front that features an intentional unclear aesthetic. This makes the plant appear pixelated and digitized when looked at to switch up perceptions for a subsequently low-resolution experience.
The 'Pixel' plant vase is the conceptual design work of Jaekyu Jung and JCH Works, and has been designed in different color options. The static design of the 'Pixel' vase offers a different take on plant life for a truly delightful scene to admire in a home or office.
Oblong Blown Glass
Bottle-Recycling Vase Sleeves
Geometry-Inspired Vases
Multi-Colored Cubic Vases
Water-Resistant Paper Vases
Free 2019 Report & eBook
Get the top 100 trends happening right NOW -- plus a FREE copy of our award-winning book.
Our Research Methodology
This article is one of 350,000 experiments. We use crowd filtering, big data and AI to identify insights.
The 'Pixel' Plant Vase Blurs the Image of Greenery to Look Technological
- By: Michael HemsworthApr 21, 2017
References: yankodesign
References: yankodesign


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Thursday, December 30, 2010
Rest unto Your Souls..........
This is the name of the talk i read this morning by Elder Per G. Malm from Octobers conference. Its been on my mind all day and there are a couple of quotes that I want to remember as a wife and a mom. I think sometimes as moms we get lost and worn down. Its a sacrifice, a really BIG sacrifice at times to give all your time and energy to everyone around you. Somedays are easy to be home with kids i feel at peace and love everything about it, others are hard and wearing and you may even feel the urge to get in the car and drive far really far away from the chaos!!! The past couple of years I have dwelt on it a lot and tried to find the right balance of everything. It seems i have had guilty mom syndrome over everything in the past. Maybe feeling i didn't measure up or feeling guilty for taking an hour for me to just go to the gym when i could be doing mom stuff instead. Its hard to find the right mix and just be fine with yourself, your messy closet, your kids messy face at church, being late, piles of laundry on your treadmill, your messy office that you can never get to........ok i'll stop!!! I am coming to realize that is life and you can be happy or not with it! I am a major quote person. I have them posted on my wall, mirror in the bathroom, written in journals and i keep a collection of them in a notebook. I love this one by Liza R. Snow "Women should be women not babies that need petting and correction all the time. I know we like to be appreciated but if we do not get all the appreciation which we think is our due, what matters?" I love that so basically NO whining ladies!! I feel like the lord knows what we have done and that is good enough we don't always have to be thanked by those around us....even though it is nice:)
I think the most important thing of all is kindness towards others which can be hardest with our own family. Elder Malm said in his talk "In our day-to-day actions, it is often the small and simple things that will have a long-lasting impact (Alma 37:6-7). What we say, how we act, and how we choose to react will influence not only ourselves but also those around us. We can build up, or we can tear down." Its hard sometimes but lets face it the mom has the influence to set the tone in the house. I am grateful and happy to be a mom and always trying harder to be better. I love these people! Even Will made it in the picture in the mirror!
2 comments:
- Cortney Scott said...
Auntie, I love what you posted. I don't have the chaos of tons of children yet, but I do feel that way sometime.(Denton is a hand full..ha) You are awesome, and I think you do a great job, and are such a great example to me! Thanks! I love you.
- December 31, 2010 at 10:17 AM
- Hilary said...
Amen sista!!! You are spot on, I have thought those same things so many times and I have wanted to drive far far away in my mini van and not come back, well at least until I've done a little shopping for myself! I am glad that we can do this mom thing together, even if it is across the nation! LOVE YOU
- January 1, 2011 at 2:40 PM
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Yesterday we spent the day at the Hospital for Sick Children. All day. We got so much done, and Charlie weathered it beautifully.
(A friend who is an avid blogger and Internet nerd has told me to double space the paragraphs for ease of reading. I shall comply).
We arrvied at 11am and Charlie got some bloodwork done. Not a bad poke, but not his best poke either. No matter what, he did better then the 4-year-old next door, who kept screaming 'Goddamn it!' when they went at her with a needle. From there, we headed to 4A (our clinic ward), checked in, and fed Charlie. Because of the NG tube, this takes about an hour. By noon, Dr. D. was ready to see us, and we went in to see her and Kristen. They are super pleased with how Charlie is coming along - he weighed in at 7.270kg (about 16 lbs), and his overall mood is excellent. He hasn't been throwing up recently, which is great. We've been discharged to one hospital visit a month, which really means he is completely stable now and now we just wait for the drugs to work - for which the timeline is about 6 months, or more.
After that meeting, we got lunch. And went for a walk! We had a nice little visit with downtown Toronto. At 2:30, it was (finally) time for the echo. I don't want to complain, but it was a long, long day.
The echo was pretty much a non-event. He's not worse (but apparently, he really couldn't be much worse, anyways) and there were no clots. They didn't do the ejection fraction measurement this time, so we didn't get any numbers at compare. I get so hopeful each time he has an echo that the NP's are going to come back and say "Guess what? He's doing better!", and when it doesn't happen - no matter how many times I tell myself that it WON'T happen - I am crushed. That said, when they finally DO say that, I'll know that it's for real.
Theh we fed Charlie and drove home through 2 hours of traffic. We were so distracted by the traffic that we forgot to pick up Matt's car in Pickering, and he had to get a friend to drive him out there to get it later in the night! Like I said, long day.
Today's song is 'Somewhere over the rainbow', because it's a hopeful song about the future, and that's how I am feeling right now. Someday, this has to get better.
Somewhere over the rainbow
Somewhere over the rainbow
Way up high,
There's a land that I heard of
Once in a lullaby.
Somewhere over the rainbow
Skies are blue,
And the dreams that you dare to dream
Really do come true.
Someday I'll wish upon a star
And wake up where the clouds are far
Behind me.
Where troubles melt like lemon drops
Away above the chimney tops
That's where you'll find me.
Somewhere over the rainbow
Bluebirds fly.
Birds fly over the rainbow.
Why then, oh why can't I?
If happy little bluebirds fly
Beyond the rainbow
Why, oh why can't I?


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The Lake Berryessa News, since March, 2016, has been advocating that the federal government turn over the ownership and management of Lake Berryessa to Napa County. Significant, if slow, progress has been made in that direction during 2017. Napa County and the Bureau of Reclamation are negotiating a Managing Partner Agreement under which Napa County will manage several of the Lake Berryessa Recreation Areas.
Napa County has released a Request For Information and Interest (RFII) seeking interested recreation management companies who would potentially become concession managers under contract to the County. The target date for selection of concession contractors and completion of negotiations is Summer, 2018.
But what governance structure will be created by Napa County to actually manage the future revitalization of Lake Berryessa?
There have been recent proposals for some management involvement by the existing Napa County Regional Park and Open Space District (RPOSD). The Lake Berryessa News strongly opposes any involvement of the RPOSD in the Lake Berryessa management structure.
The Lake Berryessa Recreation Areas are neither "parks" nor "open spaces". The RPOSD is a small agency with few resources and no technical expertise in managing large, full service recreation facilities. It's basic goal is preservation, not recreation.
A major negative of the RPOSD is that its Board is elected directly by Napa County voters. The rural areas of Napa County are already at a political disadvantage since most of the county's voters are in urban areas with little knowledge of, nor interest in, Lake Berryessa.
Lake Berryessa Recreation Commission
Lake Berryessa is not another "lake in the country". It is a major economic, social, and recreation resource in an urban-proximate setting with significant value to Napa County.
I believe a special Lake Berryessa-only commission should be created reporting directly to the Napa County Board of Supervisors. This was the original, successful form of governance when Napa County managed the lake from 1958 until 1975.
I propose a Lake Berryessa Recreation Area Commission consisting of nine to eleven members with the professional expertise and the competence needed to make the Lake Berryessa recreation areas successful and profitable family recreation destinations.
Members could include the Directors of the Napa County Public Works and Planning Departments, members of the Board Directors of Visit Napa Valley - Napa's premier tourism association, other Napa recreation and hospitality management professionals, finance and contract experts, sustainability design consultants, and business owners and residents of the Lake Berryessa region who have prior personal and professional experience related to the former profitable resorts.


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Artiteq Steel Wire with Loop 2mm
Artiteq Steel Wire with Loop 2mm is suitable for use with partition wall hooks. Artiteq wire has a loop at the end of it. If you need a hanging wire to be as invisible as possible, a transparent perlon hanging wire would be your best option. A white rod will also be nearly invisible against a white wall. Steel wire, on the other hand, results in a different look, which might be exactly the look you are going for. The wire is available in 2mm diameter. This steel wire comes with a metal glider, which provides an optimal glide in the rail, and is inserted the rail sideways. The wire has a diameter of 1.8mm and a weight-carrying capacity of 20 kg.
Wire with Loop is also available in perlon.


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James Bond's next mission is set: The 25th 007 film is officially slated for release in 2019.
Metro-Goldwyn-Mayer and Eon Productions revealed Monday that the upcoming spy flick is scheduled to open in theaters on Nov. 8, 2019. The news, however, did not come with any confirmation as to who would play the iconic secret agent in the still-untitled film.
Daniel Craig, who has starred in the last four Bond movies, has been all over the place on the issue over the last two years or so. At one point, he went so far as to suggest suicide would be better than reprising the role, only to later admit he would miss playing 007. More recently, reports have indicated that Craig will return.
Insiders seems to think the British actor has one more Bond movie in him, Variety reports. However, we won't know for sure until the announcement is made. Yet, whether or not Craig is in, Bond will live on, just like he always does.
[via: Variety]


text:
Indus Creed Tour
- leh START CITY
- leh END CITY
Trip Highlights
Flight/ Car/ Train
Budget/ Standard/ Deluxe/ Luxury
Monuments/ Tourist Places
- leh
- Day 01
3505 meters / 11567 feetArrive Kushok Bakula airport Leh - 3500m above sea level. Transfer to hotel. Breakfast at the hotel before 09.30 am. Half Day at rest for acclimatization.Lunch at the hotel. After Lunch drive to Visit Shanti Stupa & Leh Palace, Later in the evening walk around local market. Overnight stay at the Hotel (Breakfast /Lunch /Dinner).
- Day 02
Drive Sham Valley & AlchiAfter breakfast, carry packed lunch for the day. Sightseeing of 1000 year old Alchi monastery the only Gompa in Ladakh region on flat ground. Thereafter proceed to the Likir Monastrey to visit the splendid three storey's Dharma Wheel Gompa. Here you'll be awestruck with the sight of the massive Buddha statues., Indus & Zanskar river Sangam, drive along the Indus river visiting, Pathar Sahib Gurdwara and Magnetic Hill (where the cars defy gravity), Basgo Palace Hiking only and further on to Leh Hall of Fame (which has a museum of the Kargil War memorabilia) Over Night stay at the Hotel (Breakfast /Lunch /Dinner).
- Day 03
KhardunglaAfter breakfast drive to Khardungla- world's highest motorable road at 18380ftt above sea level. At Khardungla pass the snow capped peaks and the mountain views are amazing. In the afternoon we will visit Sindhu point (Indus River where all the Singhes pay holy bath) and Stok Museum. The Stok palace and museum is around 200 years old. The palace and museum at Stok is a showpiece for the royal tankhas, royal crown, dresses, coins, precious stones and turquoise head dresses. Return back to the hotel for Dinner. Over Night stay at the Hotel. (Breakfast /Lunch /Dinner).
- Day 04
LehTour of Pangong Lake- It is the highest land locked lake (155 Kms on way from Leh 05 Hrs driver each way. After an early breakfast we leave for Pangong Lake through Changla pass 5486 Mtrs. Pangong Lake, situated at 14,000 feet (4,267 m). A long narrow basin of inland drainage, hardly six to seven kilometer at its widest point and over 130km long, it is bisected by the international border between India and China. A few years back the government decided to open it to tourists though the lake and its surrounding is under army surveillance. Enjoy the landscape in the back drop of the Lake. One rarely feels so close to nature and environment and the scenery is unforgettable. Drive back to Leh. Over Night stay at the Hotel (Breakfast /Lunch /Dinner).
- Day 05
DepartureIn the morning transfer to the airport to board the flight for your onward destination.
- Accommodation on twin Sharing Basis as Per Plan.
- Assistance on Arrival & Departure.
- Daily Breakfast at Hotel.
- Private A/c vehicle for Airport transfers & sightseeing.
- All permit fees & hotel taxes
- Air Fare/Train fare.
- Personal Expenses such as Laundry, telephone calls, tips. Liquor, boating & joy rides.
- Any other item not specified in "Cost Includes.
- City Guide.
- Monument Entry Fees.
- Video Camera & Camera Fees etc.
- Any meals / tipping / personal exp etc.
- Additional sightseeing or usages of vehicle not mention in the itinerary.
- Any cost arising due to natural calamities like, landslides, road blocks etc (to be borne by the clients directly on the spot).
- Govt. Service Tax. 05%
Tour Map
Valid from to
TOUR COST : Per Person on twin Sharing Basis ( In US Dollor)
Net & Non Commissionable
|No Of Pax
Additional Info
HTML stands for HyperText Markup Language. HTML is the main markup language for describing the structure of Web pages.
Bootstrap is a powerful front-end framework for faster and easier web development. It is a collection of CSS and HTML conventions.
CSS stands for Cascading Style Sheet. CSS allows you to specify various style properties for a given HTML element such as colors, backgrounds, fonts etc. Learn more.
CSS stands for Cascading Style Sheet. CSS allows you to specify various style properties for a given HTML element such as colors, backgrounds, fonts etc. Learn more.


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Rescue crews have responded to almost 200 calls for help as trees and powerlines came crashing down and thousands of homes were without power after a wild storm swept across Brisbane and neighbouring Ipswich.
The storm, described by authorities as very dangerous, twice forced play in the first Test between Australia and Pakistan at the Gabba to be stopped.
Some flights at Brisbane Airport were also delayed until the storm passed.
There were 36,000 lightning strikes and 10,000 southeast Queensland homes and businesses were left without power, according to energy company Energex.
The State Emergency Service has received 144 calls for help in Ipswich, with reported damage in several suburbs.
Another 41 jobs were logged in Brisbane, Logan and Scenic Rim.
The weather bureau says 55mm of rain fell in Ipswich within half an hour.
A supermarket in Bellowrie was closed due to a partially collapsed roof while Wynnum Esplanade was also shut after a damaged shop front fell onto an unoccupied car.
Fallen trees have also been reported on many roads, including Gympie Rd at Chermside, while powerlines are also down in Bardon.
Authorities have warned people to stay inside and beware of fallen trees and powerlines.
The Darling Downs, Wide Bay and Burnett, and Granite Belt regions could also be hit with severe storms.


text:
Hello everyone and welcome to this weeks Development Log! Keeping you up to speed with the changes additions and modifications on the network! This week general bug fixes and Roleplay 1.3 update!
- Fixed survival crate keys not being given on votes when the player is offline
- Fixed tntrun spectators destroying map
- Fixed tntrun blocks not disappearing
- Fixed tntrun only being 1 layer of map
- Removed blood effects from all arcade games
- Fixed spectators being able to hit players in arcade games
- Items now drop in skywars properly
- Added /leave command to skywars to leave games
- Added top credits leaderboard to the arcade server
- Fixed chat colours on all servers
- PvP games (1v1/2v2/3v3) now give credits on wins
- Creative doesnt wipe inventory now on game relog
- Donators / Builders / Staff now have /ptime on creative
- Added new /links GUI
- Added new /server GUI
- Added lobby selector to the /server GUI
- Added new /help GUI
- Added diver, lifeguard, swimmer roles on Roleplay
- All role NPCs now have skins on Roleplay
- Roleplay moderators can now remove vehicles from around the map
- In PvP games (1v1/2v2/3v3) all maps are now working in correct rotation
- Fixed worldedit wand on Creative not working
- Animals can now be spawned in the Creative server
- Updated TAB list
- Fixed lag on worldedit voting
- Released Roleplay 1.3 update
- Added /moods to the Roleplay
- Players now become invisible when they go near warps on Roleplay
- Fixed bug where join messages were spammed when the server was full
- Re-enabled /particles on creative
Thats all of this week, i'll see you next week for the release of a brand new Arcade gamemode! Stay tuned and have a fantastic weekend!
BBoyJD10 - Network Developer
1 of 4 Announcement


text:
|Message view
|« Date » · « Thread »
|« Date » · « Thread »
|Aaron Mulder <ammul...@alumni.princeton.edu>
|Re: PetStore 1.3.2 goes to sandbox
|Sat, 09 Jul 2005 19:00:09 GMT
I think I misled you on the key generator configuration, as I didn't correctly understand the auto-increment generator features. The current problem (no such entity) is caused because the auto-increment-table key generator actually assumes you'll be writing a row to the entity table, but that's not what's being done in the current Pet Store configuration. Here's the relavant DDL right now: CREATE TABLE SEQUENCE_TABLE ( ID INTEGER NOT NULL GENERATED ALWAYS AS IDENTITY (START WITH 1, INCREMENT BY 1), DUMMY INT ); CREATE TABLE ADDRESSES ( ID INT NOT NULL, ZIPCODE VARCHAR(255), STATE VARCHAR(255), STREETNAME2 VARCHAR(255), STREETNAME1 VARCHAR(255), COUNTRY VARCHAR(255), CITY VARCHAR(255) ); Contrary to what any documentation might have said previously, I don't think that will work with our key generators. There are two ways to get it to work: -- Option 1 -- CREATE TABLE ADDRESSES ( ID INTEGER NOT NULL GENERATED ALWAYS AS IDENTITY (START WITH 1, INCREMENT BY 1), ZIPCODE VARCHAR(255), ... ); <key-generator xmlns="http://www.openejb.org/xml/ns/pkgen"> <auto-increment-table> <sql>insert into addresses (ZIPCODE) values (null)</sql> <return-type>java.lang.Integer</return-type> </auto-increment-table> </key-generator> -- Option 2 -- CREATE TABLE PETSTORE_SEQUENCE ( NAME VARCHAR(30) NOT NULL, VALUE INTEGER NOT NULL ); CREATE TABLE ADDRESSES (...); INSERT INTO PETSTORE_SEQUENCE VALUES ('ADDRESSES',1); <key-generator xmlns="http://www.openejb.org/xml/ns/pkgen"> <sequence-table> <table-name>PETSTORE_SEQUENCE</table-name> <sequence-name>ADDRESSES</sequence-name> <batch-size>1</batch-size> </sequence-table> </key-generator> Thanks, Aaron On Sat, 9 Jul 2005, Jacek Laskowski wrote: > Hi, > > Being tired to work on it alone without any clues as to why it keeps > failing I decided to create a mavenized project that helps configuring, > deploying and starting/stoping PetStore configuration. It's the best way > to share its configuration to you all I could think of. I think it is a > way to engage others to work on it, together. > > So, check out Geronimo revision 209954, read > http://wiki.apache.org/geronimo/PetStore and let me know how to proceed. > > Jacek > > >
|View raw message


text:
Maintenance and coming soon mode
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text:
To create funny, cool, or special effects photographs, we don't really have to use Photoshop. There are many easy-to-use programs like Mei Tu Xiu Xiu and Photoscape. We can also use visit websites that enable us to put special effect on our photos online. Some of them let us create funny photos by putting our photographs in their template. Sometimes called, "Picture in a hole". We can also appy cool and beautiful borders on the photos, and thus making a simple photo looking great. Some also provides cool text, so that we can put text of wonderful design and effect. Photo Collage is also one of their service. These online service sometimes also called as Photo Effect Generator. To apply special photo effect, you can visit: Photofunia or Conew.
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text:
Learn Ways To Get HVAC Issues Taken Care OfKeeping a home cool in the summer and warm in the winter is one of the most fundamental duties of a homeowner. Knowing the right person to call in the event of an equipment failure is essential to staying comfortable on a year-round basis. By reading the material below, there should never be any doubt about what steps to take.
If you want to keep your air conditioning unit running efficiently, make sure you replace or clean the air filter once a month. Check the owner's manual on the a/c for instructions on how to clean the filter. Never run the unit when the filter is removed and let the filter dry before reinstallling it.
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Look for discounts wherever possible. HVAC systems can be rather costly, so you'll want to seek out whatever discounts and deals that may be out there. When shopping around, ask about any current specials running, and look for discounts that are related to ENERGY STAR compliance. Both can save you a lot of cash.
Be sure to check your evaporator coil drains frequently when your air conditioner is running. If this tube backs up, you can find water damage to your walls, ceilings and floors. If you end up with mold just use a solution of bleach and water to clean out the tube.
If the condenser for your HVAC system is located outside, make sure you clear away any debris that might settle in or around it. You don't know the amount of stuff that can pile up right after heavy winds or a storm. It can overheat, leading to disaster within your system.
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Consider an annual service agreement for technicians to regularly inspect your AC unit. Schedule brief inspections for the winter to make sure nothing is obviously wrong. The most important time for an inspection and service is just before it starts getting warm. You don't want to discover an AC breakdown when you need it working most.
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Think about the air flow direction of your A/C when figuring out where to put it. Make sure you have plenty of air flow control options if you are forced to install the unit in a corner.
Do you need a new HVAC system? You probably have many options available to you. Each system has a rating and that rating tells the area that can be effectively temperature controlled. Getting a unit that's a little larger than you need will be better than getting one that's smaller.
Learn goodman ac unit filter and regulations regarding licenses and insurance before hiring an HVAC professional. This way you can check to make sure that any contractor you consider hiring meets any requirements. https://www.huffingtonpost.in/dr-julia-k-nunes/tips-on-how-to-pick-and-optimise-the-use-of-air-sensors-air-purifiers-and-masks_a_23242184/ can prevent a costly legal process, especially in case of an accident on site. Without insurance, you could be held liable for damages.
When you hire a contractor, make sure you ask for some references. Talk to those references to find out if they were pleased with the service they received. You can avoid scam artists, yet only when you actually check up on references.
Always get some references before hiring any contractor. Be sure previous customers got the service and value they expected. Also, it will prevent you from getting robbed.
What to look for when buying air purifiers for your home
What to look for when buying air purifiers for your home If you have allergies or asthma, or are sensitive to pollution, you may have considered purchasing an air purifier to clean the air inside your home. Now, with smoke from destructive wildfires still burning in Northern California affecting people as far as 100 miles away, even those without specific health concerns are thinking about ways to improve indoor air quality. But with so many types of filtration systems on the market (and prices ranging from $100 to nearly $1,000), it can be hard to know where to begin. Check out this quick guide to home air purifiers to figure out which are worth the cost.
Think about which direction air is going to flow from an air conditioner unit when you pick out where to put it. If you must position it in a corner, be sure you can change the direction of air flow to avoid having it hit the wall.
A great way to ensure that the HVAC professionals you hire are up to the task is to take steps to verify that they possess proper licensing and certification. Failing to check these very important credentials can cause you to hire someone who is more likely to do more harm than good and charge you a great deal of money along the way.
If your outdoor compressor unit sits in the sun, consider building a shade over it. Air in the shade is about 5 degrees cooler than air in the sun. This can have a significant impact on your cooling bill. When done properly, you could see up to a 10 percent savings over the season.
Now that you're done with this article, you know some things about the HVAC that you didn't know before. Sometimes it can be difficult if you are not motivated to learn, so you have to keep that in mind. You'll be happy you did when things start clicking in your mind!


text:
Friday, 4 October 2013
drawing avoidance .....
8 comments:
What a delicious roll of paper! It's making me hanker for my watercolour days. Intrigued by all your prints, especially the combination of rust and indigo. I would love to see a close up in future posts.ReplyDelete
We can feel so humble and clumsy when faced with such gorgeous materials, can't we? They look so perfect in themselves, a completed work of art. Adding a single dot could mean destruction. Sometimes though that single dot contains the power of creation.ReplyDelete
No drawing - but satisfying prints - For me, it might be the other way round (on a good drawing day).ReplyDelete
That sounds like a very productive day Susan, even if it wasn't drawing. I always love the blank piece of beautiful paper that is the beginning of a new project.ReplyDelete
I hope you are able to put your pencil/pen to paper today....or perhaps tomorrow, as when the flow begins it usually becomes easier, or at least that is what I usually find. I have been so busy procrastinating lately, that not much creative has been happening. Your prints are very beautiful. I love the colours, and hope you will show us some closer and individual images.ReplyDelete
Looks like you were very productive nonetheless! Still, I hope the drawing is beginning to happen as you can let go of some of the print demands...ReplyDelete
S - After such a huge day of printing I would just want to sit back - visual feast. And i can imagine that faced with such a delicious roll of paper (or in my case metal) I would take time to creep up on it. Go well. BReplyDelete
I know what you mean by avoidance in your studio... I have done the same in my studio... that blank paper or canvas or whatever can be a little intimidating... but eventually you will tackle it... when the time feels right... I am still reeling from the fact that you have to have 100 prints completed.. now that is a huge accomplishment.ReplyDelete