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Experience the snow season in South Korea
Instead of waiting for snowflakes in Sapa or admiring your friends having fun in their snow-background photos, why don't you prepare a wonderful trip for yourself to South Korea this winter? The land of kimchi with snow-covered mountains and ski resorts is ready to welcome you!
Skiing from Gangwon-do to… Seoul
Lasting from November to February, winter in South Korea is drier and colder than that in tropical countries like Vietnam. The temperature is always under 0 degrees, and even drops down to -6 degrees in January. Upon the first snowflakes falling on the mountains, ski resorts are eager to welcome visitors from around the world. With the most annual snowfall, Gangwon-do is home to most ski resorts in South Korea, though many great resorts are situated just outside Seoul, allowing for quick and convenient ski trips.
Muju Ski Resort
Tucked away in the mountains at about 700m above sea level, Alpensia Resort is known for its excellent snow quality and sweeping views of the majestic Daegwallyeong Mountain Range. The resort offers 6 slopes with various courses for skiers at different skill levels and can accommodate up to 3,000 people. As the main venue for the Pyeonchang 2018 Winter Games Olympics, Alpensia Resort has recently been the subject of buzz across the nation and within the international sports community. Don't miss the chance to witness and experience the special completion venues as well as facilities equipped for the upcoming Olympics.
The Daemyung Vivaldi Park Ski World is the first in South Korea to offer nighttime skiing. It has become a favorite destination for young skiers with exciting slope names such as Hip-Hop, Techno, and Funky. Some of more advanced slopes are designed with unexpected twists and turns for maximum thrills. For those who are new to the sports, Daemyung Vivaldi Park Ski World provides the perfect setting to safely enjoy skiing and snowboarding. All you need to do is choose the suitable slopes and work your way up to the more advanced courses.
Phoenix Park Ski Resort
Adjacent to an oak forest, Oak Valley Snow Park is smaller than most ski parks in South Korea. As a result, it offers a cozy, welcoming atmosphere and skiing slopes free from the usual crowds. It is also one of the best parks for snowboarders because there is plenty of space to try new maneuvers.
Konjiam Resort is the largest ski resort in the Seoul vicinity, offering 9 slopes with varying degrees of difficulty. The resort limits its number of daily skiers to a maximum of 7,000 skiers per day in order to offer the best skiing experience with a wait time of 15 minutes or less. It is considered a perfect choice for families because 70% of the slopes are reserved for beginners and senior citizens. Furthermore, there are other amenities including an arboretum, ecological river, spa, and other auxiliary facilities.
Konjiam Resort
Only 40 minutes away from Gangnam, Jisan Forest Resort in Icheon-si has always been a favorite resort for those who want to make a daytrip, even if accommodations are fully booked. Thanks to the 5 high-speed lifts, there is no waiting in line, allowing visitors to reach the peak more quickly. Even though this particular resort is small scale, it is still a great value for its price, thus providing visitors an affordable winter sports experience without sacrificing quality.
Does snow sleep in South Korea?
Winter in South Korea is never boring as snow and ice are the main characteristics of the country's unparalleled winter festivals.
The Taebaeksan Snow Festival with a large snow sculpture exhibition at Dangol Square will greet you with ice sculptures and a range of other winter-themed art. Take photos of your family, especially your little angels, with the sparkling ice works and share memorable moments by partaking in the light & ice festival around Hwangji Pond where the beautiful world of ice lights compete with the shining stars in the sky. In addition, a number of other interactive programs such as sledding, dog sledding, and other fun activities will be held during the festival period. The Taebaeksan Snow Festival will be the best winter destination providing worthwhile memories for adults and children alike.
Alpensia Ski Resort
While fishing in autumn is popular in Oriental literature as a peaceful pastime, fishing in South Korea during winter is distinct and exciting as thick layers of ice cover the rivers and lakes. Are you ready to wade in cold water and catch fish by hand or make a small hole in the ice and relax while waiting for fish? Visit Korea and join the two unique festivals, Hwacheon Sancheoneo and Inje Icefish! Icefish fanatics can sample icefish for free and even participate in an ice-fish eating competition. Otherwise, you can bowl on the ice, play ice soccer, and even have a tug-of-war on the ice.
Mt.Taebaek Snow Festival
Relax in the bitter season
If skiing on white mountains or partaking in winter snow festivals doesn't interest you, then pick your own way of enjoying the season by visiting famous winter destinations in South Korea. While Jeongdogjin offers couples the most romantic sunrise, Daegwallyeong Samyang Ranch is Asia's largest highland's farm. Here, you can witness dairy cows feeding in the vast meadow. Another attractive destination is the Gyeongpo Provincial Park with Gyeongpo Lake, which is not only home to swans and mallards but also the Gyeongpo Beach - one of the cleanest beaches on the East Coast. Stroll down along the beach at sunset, stop at a restaurant serving fresh seafood when cold winds start blowing, and make your trip memorable.
Have you arranged your schedule yet? No matter where you visit, where you will stay, and which activities will do, your experience in South Korea this winter will be truly unforgettable.


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The Confidence Gap: How confident are you?
In a feature published last month by The Atlantic, Womenomics authors Katty Kay and Claire Shipman tackle the notion of a 'Confidence Gap' between men and women. Studies show that women are less assured than men, and that success depends as much on confidence as on competence.
Here are a couple of points that really hit home for me:
-In studies, men overestimate their abilities and performance, and women underestimate both. Their performances do not differ in quality.
-Women applied for a promotion only when they met 100 percent of the qualifications. Men applied when they met 50 percent.
-The natural result of low confidence is inaction. When women hesitate because we aren't sure, we hold ourselves back.
-The advice implicit in such findings is hardly unfamiliar: to become more confident, women need to stop thinking so much and just act.
How confident are you? Take the confidence quiz and report back to us in the comments below. Were you surprised by the results?

subset: commoncrawl


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binchotan : charcoal products
I appreciate the careful selection of products available from New Zealand's Douglas and Bec shop. Their newest addition is a line of charcoal products from Japan - such as an eye mask, facial soap, body scrub towel, pumice stone and charcoal sticks for water or room purification.
Their description does the trick:
The Japanese have been using Binchotan charcoal for its purification, skin care and health properties for centuries. The tradition of producing Binchotan comes from the Kishu region of Japan, where oak branches are burnt until red hot and then cooled down rapidly.
The more we research Binchotan, the more uses we find for it. To use Binchotan sticks for water, simply clean off any loose charcoal and rinse off, then boil for around 10 minutes. Pop it in a jug of water and you are ready to go. Along with drawing out impurities and chemicals (like chlorine), they add nutrients such as magnesium, manganese, calcium, and iron to your drinking water.


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Relationship Challenge - Oldies
The Freckled Fox is hosting a 14 day Relationship Challenge. I am definitely not doing all the prompts (Day 3: Turn on some oldies and slow dance together - not happening, we don't dance). But I thought it would be fun to do some. The first prompt is Day 1: Look through photos from your early days together, and revisit the memories
2005- This picture was taken December 31 2005. Two months before we were dating. Kevin had given me a Tinkerbell Belly Button Ring and we took the picture to remember. I have since lost that Tinkerbell ring :( but it is definitely not something I'll forget. Yea for camera phones
I can't find any pictures from 2006... I'll have to put a call out and see if the family has any
2007- This was in our first basement suite that we rented. I remember we were having game night and I didn't want my picture taken, the picture before this was of me giving the finger to the person with the camera.... My how far I've come.
Christmas 2008- we tried to put a green screen behind everyone so we could edit in a beautiful background. They turned out horribly, you can tell by my crappy edit I didn't get very far editing in a beautiful background. I wonder how my photoshop skills would hold up now.
2009 - We were going to the orchestra. I don't remember if this was our first time to the orchestra. I do know this was our first year in Calgary! Whenever we go to the Orchestra we make a big deal out of it and dress up!
2010- we went to the Zoo with our Friends Nicole and Drew. We had a blast. This is also when I was getting my hair professional colored by my current landlord's sister - she always did an amazing job but she was expensive
2011- this is one of my favorite pictures and for once it was Kevin taking the selfie and not me! We were going somewhere, I don't remember. But I do remember this was my favorite black shirt. I wore it until there were too many holes to cover.
2012- I love this picture! We were shopping for counter top granite for Kevin's parents house. We had jumped from store to store and this place wanted to make sure you were safe going out into the yard. So it was hard toe slip shoes, safety vests and helmets. That was a fabulous day with Kevin's family.
2013- I know this photo is bleary but we were attending a wedding and I put the camera on the car and did the self timer run back and forth thing. Then another guest walked by and I was too embarrassed to do another. But this wedding is where I met Megan and Zain and it was a lot of fun!
2014-I have two from 2014! One is from our trip to Cuba, because that trip was simply amazing!! And then our engagement photos! There are so many of them I love taking the opportunity to share them at any moment!
That is almost one picture per year we've been together. I am only missing 2006... wonder if I can find someone who has a photo from then.
Here is the rest of the prompts Day 1: Look through photos from your early days together, and revisit the memories Day 2: Plan a future getaway together (even it its years away) - don't leave out any details! Day 3: Turn on some oldies and slow dance together Day 4: Go the whole day without using sarcasm, correcting, interrupting, or complaining. Day 5: Sign up for a class together (cooking, pottery, photography, dancing) Day 6: Pay extra attention to their positive attributes today and actually point them out. Day 7: Spoon on the couch and watch a favorite TV Show or movie together. Day 8: Leave a sweet or romantic note somewhere they'll find it. Day 9: Do something active together like a hike, a run, or a trip to the gym. Day 10: Challenge each other to a board game. Day 11: Stay up really late just talking to each other. No distractions or technology. Day 12: Experiment in the kitchen together on something totally new. Day 13: Find a scenic location on a date night, and watch a sunset together. Day 14: Write a heart-felt letter to each other.
Let me know if you participate!!
I'm a lifestyle blogger, covering deep subjects including body images, battles with food, and overcoming how I was raised. I try to be as authentic as possible and I don't sugar coat how I see things.


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Hi, my name is Mariana Cordoba. I am considered the shemale with the biggest cock in the world and here are some pictures so you can judge for yourself. 10.6 inches of raw Argentinian beef waiting for your anal and oral pleasure.
Are you game?
Come inside now and meet the world's Best Hung Tranny!


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Why are there so many different policies?
Homeowners insurance policies are somewhat standardized, but several policy forms exist to appropriately cover the different types of needs homeowners have. Coverage for the house itself can vary from coverage due to a few specified causes known as "perils" on the policy, or for virtually all perils except for a few exclusions. The variation in which perils are covered gives rise to some of the policy form differences.
The policy forms are numbered as HO-1 though HO-8. For example, HO-1, HO-2, HO-3, and HO-5 are conceptually the same policies for those with single-family homes, with the HO-2 covering more perilsthan the HO-1and the HO-3 covering more than the HO-2. The HO-5 coversthe most perils and provides the greatest protection to the homeowner. An HO-4 form is specifically for renters, and an HO-6 is for condos. These two are somewhat different because they insure only the personal property of the policyholder and not the physical home or "dwelling" as that is insured by other parties. The HO-7 is for mobile home owners and the HO-8 was designed for the unique needs of those who own very old homes that have specific coverage issues.
These somewhat standardized form variations are the insurance industry's attempt to meet the needs of most homeowners through a minimum variety of policy forms. The basic forms are standardized to help agents and homeowners understand the general coverages that are in each policy, which can then be somewhat modified by the addition of policy endorsements. If all of your specific insurance needs cannot be fully met by one of the standardized forms, policy endorsements will modify the general form to better suit your situation.


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by Kim Manning
As I'm sure you are all aware, there are so many different oils on the market it can make your head spin! I have been doing some research on the topic and want to bring what I have learned to the CSA table! Certainly, I suggest that you do your own research as well, as there are many opinions on which are the safest, healthiest oils for different applications.
Oils (or some type of fat) are the base of practically everything we make in the kitchen. Whether we're drizzling it over a salad or using it in a pan to saute vegetables, we need to be sure that we're using the healthiest, safest and best tasting oils for each recipe.
It's important to get a mix of fat types from whole, unprocessed, high-quality foods. These include nuts, seeds (hemp, flax, and chia are especially nutritious), fish, seaweed, pasture-raised/grass-fed animals/eggs, olives, avocado, coconut, and cacao nibs. Avoid industrially processed, artificially created, and factory farmed foods, which contain unhealthy fats.
Your body needs two types of polyunsaturated fatty acids -- omega-3s and omega-6s -- from your diet, because your cells cannot make these fatty acids themselves. Both omega-3 and omega-6 fatty acids contribute to brain function. Omega-3 fatty acids also reduce inflammation and lower your risk of cardiovascular disease.
There are different terms associated with oils such as the following:
Refined: After oil extraction, particles are filtered out. Refined oils may also be bleached and deodorized to create a neutral flavor and color.
Unrefined: Tiny particles remain in the oil, enhancing flavor, aroma, and nutritional value. Use unheated or for low-heat applications.
Chemical extraction: Solvents like hexane are used to break down plant walls and allow oils to be more easily extracted. Not preferred.
Expeller-pressed: Oil is mechanically extracted by squeezing nuts, seeds, fruits, legumes, or grains under very high pressure, without using solvents
Cold pressed: Oil is expeller-pressed, but friction is reduced so the temperature is kept below 120 degrees during processing.
Heat extraction: Pressed oils may also be heated during the extraction process to break down the source and allow greater quantities of oil to be extracted.
The following is a breakdown of some of the many oils on the market and it is important to note which ones are better for high heat, moderate heat and low heat.
*Indicates our recommendations
*ALMOND OIL: Made by expeller pressing the oil in ground almonds: available refined and unrefined.
Benefits: increased healthy HDL cholesterol while lowering harmful LDL, supports immune function and liver health, alleviates irritable bowel syndrome, and may reduce colon cancer risk.
Smoke point: 420 degrees
Flavor: light, clean, and mildly sweet; unrefined has a nutty, toasty flavor with buttery undertones.
Uses: Refined's high smoke point makes it best for stir-frying, roasting, grilling, and other high-heat applications. Use unrefined fro salad dressings, in dips and to drizzle on cooked dishes.
*AVOCADO OIL: Made by grinding and then expeller pressing avocado flesh; available refined and unrefined.
Benefits: decreases inflammation and improves cholesterol balance; may increase absorption of antioxidant carotenoids.
Smoke point: 520 degrees
Flavor: rich, clean taste and lush mouthfeel. Unrefined is emerald green, with a buttery flavor and grassy undertones. Refined has a mild, neutral flavor with the slightest hint of avocado taste.
Uses: Refined is best for high-heat grilling, frying, or roasting. Use unrefined for unheated uses including salad dressing, in pesto, or as a dip for bread. Refrigerate.
CANOLA OIL: Made from rapeseed, a mustard-family plant; usually chemically extracted using solvents but also expeller-pressed. TO AVOID GMO's, BUY ORGANIC, AS 80% OF CANOLA OIL IS GENETICALLY MODIFIED.
Benefits: lowers total and LDL cholesterol and triglycerides; improves insulin sensitivity.
Smoke point: 400 degrees
Flavor: extremely neutral but provides a dense mouthfeel; pale color.
Uses: Good for high-heat roasting, broiling, baking, and stir-frying, or as a blank canvas for creating mayonnaise or salad dressings.
*COCONUT OIL: white and solid at room temperature; clear and liquid when warmed. Virgin is expeller-pressed; also available refined.
Benefits: antibacterial, antifungal, and antiviral; may reduce total and LDL cholesterol while raising HDL cholesterol.
Smoke point; : 350 degrees (unrefined); 400 degrees (refined)
Flavor: Unrefined has a creamy, oily texture, caramel-buttery flavor, and rich scent and tast. Refined is more neutral.
Uses: Refined works great for sauteing, stir-frying, roasting, and grilling. Use unrefined in baked goods, Asian-inspired dishes, or as a spread.
*FLAXSEED OIL: Made by pressing crushed brown flaxseeds, a process that removes healthy lignans. Some brands add lignans back to make "high-lignan" flaxseed oil.
Benefits: high in alpha-linolenic acid (ALA); may reduce risk of diabetes, cancer, arthritis, osteoporosis, and autoimmune and neurological disorders.
Smoke point: do not heat
Flavor: warm and nutty with bitter undertones and an aggressive, but not unpleasant, aroma.
Uses: Drizzle on oatmeal or cooked vegetables, use in salad dressing, and toss with quinoa or other grains. Refrigerate.
GRAPESEED OIL: extracted from grape seeds, generally from wine grapes, typically via chemical solvents; to avoid solvents, choose expeller-pressed.
Benefits; high in vitamin E; however, contains high levels of omega-6s and polycyclic aromatic hydrocarbons (PAHs), a result of the extraction process.
Smoke point: do not heat
Flavor: neutral in flavor and aroma, with a rich, heavy texture.
Uses: Good for moisture-rich baking, dressings, and mayonnaise, where a neutral flavor is needed.
*HEMP OIL: made by cold-pressing Cannabis sativa seeds (part of the marijuana family but with not THC, the psychoactive component).
Benefits: contains chlorophyll and tocopherols, antioxidants that support immune function and protect the heart.
Smoke point: do not heat
Flavor: earthy, grassy flavor with mushroom undertones; deep green color.
Uses: Use in dips, dressings, and pesto, or drizzle on steamed kale or sweet potatoes. Refrigerate.
*OLIVE OIL: Extra-virgin is cold-pressed from the first olive pressing; "virgin" or "pure" is heat-extracted. Organic or California Olive Oil Council (COOC) labels signal no adulteration with cheap oils.
Benefits: increases heart-protective HDL cholesterol; polyphenol antioxidants promote bone growth and reduce cancer risk; rich in vitamin K.
Smoke point: 420 degrees
Flavor: Extra-virgin, from the first pressing, has leafy, herbal, peppery undertones. All varieties offer robust flavor, rich texture, and a green-gold hue.
Uses: grilling, baking, and sauteing, Drizzle extra-virgin on tomatoes and steamed greens. Use any kind in salad dressings
RICE BRAN OIL: Extracted from germ and inner husk of rice grains; most kinds are chemically extracted. Look for cold-pressed varieties, which are not heated during extraction.
Benefits: contains vitamin E tocotrienols that lower LDL cholesterol, stem inflammation, and reduce cancer risk; rich in vitamin K.
Smoke point 490 degrees
Flavor: light and clean, with a fresh, neutral flavor and delicate aroma.
Uses: high-heat stir-frying, grilling, roasting or sauteing, or in dressings or mayonnaise when a neutral flavor is desired.
*SESAME OIL: made by expeller pressing or chemically extracting oil form sesame seeds; available refined or unrefined. Seeds roasted before pressing yield fragrant, toasted sesame oil.
Benefits: rich in antioxidants and abundant in lignans and phenols, which may ease diabetes symptoms.
Smoke point 410 degrees
Flavor: light and nutty; toasted sesame oil is dark brown, with a distinctive roasted scent.
Uses: Ideal for broiling and high-temperature stir-frying. Unrefined works well for light sautes, tossed with grains, or in salad dressings. Lightly drizzle toasted oil over finished dishes.
*WALNUT OIL: made from dried and expeller-pressed walnuts; available refined and unrefined.
Benefits: contains omega-3 fats that protect against prostate cancer and diabetes, reduce inflammation, promote heart health, and stave off bone loss.
Smoke point: 400 degrees
Flavor: bold and pleasantly heavy, with a decadent nut flavor and earthy notes.
Uses: Refined is good for moderate-heat sauteing and baking. Use unrefined as a finishing oil: Toss with cooked beets, add to salad dressing, and drizzle over cream soups. Refrigerate.
Some oils to avoid:
COTTONSEED OIL: It's a byproduct of the cotton crop that's inundated with pesticides and chemicals because it's regulated as a textile crop--not food.
SOYBEAN OIL: Most products that just say "Vegetable Oil" are made from soybeans. It is very common in processed foods and is typically made from GMOs.
CORN OIL: It is highly refined, hexane-extracted from GMO corn and loaded with omega-6 polyunsaturated fatty acids that are unstable when exposed to heat. This instability causes oxidation, a process that generates free radicals. Free radicals are renegade molecules in the body that damage cells, triggering a host of diseases from liver damage to cancer.
Source: Lisa Turner, Delicious Living


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Richard Zang
Welcome to my website!
Some of you may be asking yourselves why you should bother with oriental medicine. Afterall, we know that modern western medicine has been a great contribution to human health, especially to cure acute diseases and for operating surgery. However, western medicine tends to ignore many of the side effects as a result of its treatment, which now are becoming more noticeable. There are many chronic diseases where surgery and chemical drugs have been used, and the side effects have become more and more evident.
Currently, the spectrum of diseases is changing, and an increasing number of diseases are becoming more difficult to cure. Furthermore, both the government and people, in all countries, are faced with the problem of the high cost of medical treatment.
The Traditional Chinese Medicine (TCM) system is an extraordinary form of treatment based on oriental medicine, as well as the traditional system of medicine of the world. Its also very economical, and the treatment of diseases is effective, especially in treating chronic diseases. Meantime, TCM has less side effects or no side effects, such as when using the Acupuncture system treatment.
It should be pointed out that there is a important difference between TCM and western medicine. While the treatment principle of TCM first considers the whole human body, western medicine only tests part of the body. Many patients, whom have had their organs, bones, and ligaments tested, ask me why they can't figure out what's causing their problem. Afterall, everything seems normal.
Well, the reason is because their issue is caued by a functional body problem, which turning to TCM for treatment can be very effective. So, while western medicine can be extremely helpful in many ways, there are certain areas where the methods of oriental treatment have proven to be even better.
Today, many western docotrs have already started to research and turn to naturopath (a natural way for treatment of disease). The TCM system belongs to this natural way of treatment. So if you are having a problem that western doctors cannot solve, or if you are looking for a more cost effective way of treatment, feel free to contact me.
I will answer any questions that you have.


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Annual Reports
Catholic Charities of Shiawassee & Genesee Counties are proud to celebrate 76 years of providing hope, help and healing in the communities we serve. We are increasing the impact of every one of us by providing more opportunities to make a difference. In 2016, with the help of 72,868 volunteer hours we served 197,187 meals in our soup kitchens, helped 53,334 people through our community closet, and much more.
Accountability & Fiscal Integrity
Catholic Charities is a not-for-profit organization that is exempt as a charity under Section 501(c)(3) of the Internal Revenue Code.
Dear Friends,
It is our pleasure to provide the following statistical analysis to showcase our accomplishments and say, "Thank you so very much!" to our leadership, our donors, our volunteers and staff, for all the support you have shown us this past fiscal year. You shared your time, talent, and treasure so that we can serve those in our region in need of comfort, those in need of healing, and those in need of hope. For this we are sincerely grateful.
The most notable story of FY 2016/2017 is the kick-off of construction and renovations for the Sister Claudia Burke Center for Hope (formerly the St. Michael's School) in January 2017. Each day it was exciting to watch the progress and know that the day would come when the Center for Hope would become a reality for our community.
It is our great honor and privilege to partner with you in serving those in need,
John Zintsmaster
2016/2017 Board Chair
Robert Sibilsky
Restoring Hope
Campaign Chair
Vicky Schultz


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I am quite proud of myself. I finished a project!!! I made myself a maxi skirt.
I just washed it and realized that sadly I did not pre wash my fabric so my skirt shrunk :(. But it still wears fine it's just no longer the perfect length it was before.


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NUFORC Home Page
Web Report Indexes : by Event Date | by Location | by Shape | by Posting Date
|Sighting Report
|Occurred : 6/18/2014 00:10 (Entered as : 06/18/14 0:10)
Reported: 6/17/2014 9:56:09 PM 21:56
Posted: 6/20/2014
Location: Garden City, SC
Shape: Light
Duration:3 seconds
|Orange light larger and closer than a star appeared then disappeared 3 times over the ocean. Object did not move. 5 of us saw it.
One orange light appeared for about 3 seconds approximately 20-30 degrees off the horizon and north a bit from our location on the deck of our beach rental near Marlin Quay Marina.
The light appeared 3 times within 10 minutes while 5 of us looked on. We also saw very small aircraft like white strobe lights moving in the vicinity of the object. Very well could have been planes but the orange light itself - very unexplainable by 5 intelligent non believers.
((NUFORC Note: Witness elects to remain totally anonymous; provides no contact information. PD))


text: Kajal Dhabalia, Artist Puno, thank you so much for a wealth of information! As an artist, who has been working on things solo, this is definitely a lot to take in, but so helpful to know that there are so many ways to change and add to my strategy as I grow. — Kajal Dhabalia, Artist Instagram Marketing ClassJorge Del PinalAugust 27, 2016 Facebook0 Twitter 0 Likes


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Fashion Sunglasses for Men Women with Thick Plastic Frame
Keep it real and adopt the superstar style with this classical pair of round fashion aviatory sunglasses which have a thick plastic frame and branches, perfect for that godfather look this summer.
Available in black, grey or green.
Keep it real with our superb selection of streetwear and classic clothing at the best prices of the web, perfect to give your wardrobe a makeover this summer.


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About MeI have been in the mortgage industry since 1992. I specialize in construction loans, purchase and refinance home lending options.
As a mortgage professional, I keep current with the financial markets, interest rates and new trends in the industry. With over 25 years' experience, I have the knowledge to help you in determining the right mortgage product that fits your specific needs.
I am an active member of the Lancaster Board of Realtors, Charity Newies, and the American Cancer Society. Call me today to get started on the road to the house of your dreams!
We Specialize InAt Huntington, we are committed to giving you the individual attention you deserve. We offer fast, dependable service with a personal approach. This means involvement from the first step to the last – and we work according to your schedule. In addition, you'll benefit from our competitive interest rates, low and minimum documentation programs, fast turnaround times and customized mortgage financing programs for first-time homebuyers, those seeking a jumbo loan and buyers whose credit may be slightly impaired.
We work with state and locally-backed financing programs and we're committed to community development in Central Ohio. Call one of our Ohio mortgage loan specialists today to find the program that best meets your financial needs.


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Chris Bellamy grew up in the forests of W.A. around Donnybrook and worked as a freelance illustrator for over 20 years with clients in Europe, New York and Australia.
Chris now resides in Melbourne, but still draws from her childhood experiences and memories of the beautiful forests in W.A.
Working in many mediums, Chris has settled on oils and using many fine layers of glazes.
Her unique blurring technique evokes time, light, memory and mystery.
Are the trees guarding a secret meeting lit in the midst of the bush?
The use of light in a dimly illuminated scenario keeps the viewer guessing as to what is around the next solemn tree.
This ambiguity stimulates the imagination to envisage an awaiting narrative.


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Frequently Asked Questions
(858) 560-4781 firstname.lastname@example.com Locations
Escrow - What Is It?
Very simply defined, an escrow is a deposit of funds, a deed or other instrument by one party for the delivery to another party upon completion of a particular condition or event. The California Escrow Law - Section 17003 of the Financial Code - provides the legal definition.
Why Do I Need Escrow?
Whether you are the buyer, seller, lender or borrower, you want the assurance that no funds or property will change hands until ALL of the instructions in the transaction have been followed. The escrow company has an obligation to safeguard the funds and/or documents while those funds and documents are in their possession, and to disburse funds, and/or convey title only when all provisions of the escrow have been complied with.
Who Chooses The Escrow?
The selection of the escrow company is normally done by agreement between the principals (buyer, seller, lender, borrower). If a real estate professional is involved in the transaction, they may recommend an escrow company. However, it is the right of the principals (buyer, seller, lender, borrower) to use a competent escrow company that is experienced in handling the type of escrow at hand.
What Do I Have To Do While In Escrow?
Read and understand your escrow instructions. If you do not understand them, you should ask your Escrow Officer to explain the instructions. Your Escrow Officer will not give you legal advice, or advise you as to whether or not you have a "good deal." The Escrow Officer is there to follow the instructions given by the principals in the escrow.
Ask your Escrow Officer what you can do specifically to assist. Ask the question, "What can I do to expedite the closing of this escrow?"
Respond quickly to correspondence.
If you are required to deliver funds into the escrow, check with your Escrow Officer to confirm our wire instructions and procedures we have in place for your security.
Be sure to let your Escrow Officer know of any special needs or rush requirements as soon as possible. Upon closing, packages are prepared within 24-48 hours of recording. Items such as closing papers, checks, title policies, statements, etc. cannot be processed on the day of the closing; they may take several days. If you have a special need, for example a check on the day of closing, you should communicate that need to the Escrow Officer early in the processing of the escrow.
what if i have a New Loan?
If you are obtaining a new loan, your Escrow Officer will be in touch with the lender who will need copies of the escrow instructions, the Preliminary Report, and any other documents escrow could supply. Your Escrow Officer will coordinate with your lender the receipt of your loan documents, schedule the loan signing appointment, and assist with any funding/closing conditions that relate to escrow. If you have special scheduling needs for your loan signing, it is best you inform your Escrow Officer as soon as possible.
What Fees And Costs Will Be Charged?
Escrow companies will charge fees that commensurate with the costs of producing the service, the liability undertaken, and the overhead expenses which include a profit factor. Escrow fees are not regulated by the state, therefore, the fees will vary between companies and from county to county. In addition, escrow companies do not have control over the costs of other services that are obtained, such as the title insurance policy, the lender's charges, insurance, recording charges, etc.
To get a breakdown of our costs and fees please call us at (858) 560-4781 or email us at email@example.com
What Is A Closing Statement?
A closing statement is a written accounting document prepared at the close of escrow. Your closing statement will be provided in your closing package with a breakdown of the purchase price, the funds deposited or credited to your account, payoffs on existing encumbrances and/or liens, the costs for all services, and a determination of the funds due to you at the close of the escrow.
Please be sure to examine your closing papers thoroughly and look for a refund check. If there is a check, be sure to endorse and deposit it immediately. Additional fees will be charged for a duplicate check to be issued.
Your closing statement and all other escrow papers should be kept virtually forever for income tax purposes. Your accountant will need information about the sale or purchase of the property. Additionally, the IRS and other agencies may require you to prove your costs and/or profit on the sale of any property. The Escrow Holder is only required to maintain records for five years and fees may be charged by your escrow company for for the retrieval of a file from storage.
What About Cancellations?
No escrow is opened with the intention that it will cancel, but there are occasions when a contingency cannot be met or when parties disagree during the escrow. Some Escrow Holders prepare for such an event by incorporating cancellation instructions in the typed or printed General Provisions.
Do expect to be charged a cancellation fee, as this is a charge for professional services rendered and often for several "out of pocket" expenses that have been incurred on the client's behalf. These fees can vary from company to company depending upon their policies. Please be aware that funds will not be released until signed mutual instructions have been received from all parties.
If a dispute exists, an Interpleader Action may be necessary. This is when the escrow company may be forced to have a court to decide which party is entitled to documents or funds. Fortunately, most disputes are resolved before the Interpleader is filed, as the costs for such legal actions are extreme. Those costs are normally paid out of the funds on deposit in the escrow.
What About Title Insurance?
Title insurance insures the owner and/or the lender of ownership or lien priority of the property. There are various types of coverage, but a basic policy insures that the buyer is the owner and that any lender shown on the policy is an "insured" lender. Many different types of extended coverage are available; for example, an ALTA policy is quite often required by the institutional lenders to afford them additional protection under the title insurance policy. The title policy is written after extensive examination of public records and after the recording of the required documents in the escrow.
The title insurance policy fee is a one-time fee, paid at the close of escrow. The determination of who pays for the policy differs from county to county in California. In almost every case, the agreement between parties is what determines payment of closing costs.
What About Property Taxes?
The terms of your transaction and the escrow instructions determine how property taxes will be handled. If your escrow calls for a proration of taxes, there will be an item in your closing statement that will reflect either a credit or charge to your account. If the taxes are not paid (even though there has been a credit or charge against your account), the buyer is obligated to obtain a tax bill and pay the taxes. If the buyer does not have a tax bill with which to pay the taxes, you can request a bill from the County Tax Collector by providing a photocopy of the deed.
Supplemental Property Taxes is another concern of the buyer. Upon transfer of real property, a supplemental tax bill is generated. This is accomplished in cooperation with the County Assessor and the County Tax Collector.
Shortly after the close of an escrow involving the conveyance of real property, the County Assessor will request information about the property from the buyer. This information assists the Assessor in determining the value of the property for taxation purposes. Some of the information may have previously been supplied by the Escrow Holder at the time of the closing of the escrow, via a Preliminary Change of Ownership form that should accompany each deed when it is recorded.
The Perfect Escrow - Does It Exist?
No two escrows are the same and perfection can be difficult to achieve when dealing with the complexities of escrow. Sometimes desires of the parties and other matters are beyond the Escrow Officer's control. However, your Escrow Officer has the background, training, education, support, and systems in place necessary in order to accomplish the objectives of the escrow instructions.
In the event you have any problems in the handling of your escrow, you should first contact the Escrow Officer. If your problem is not resolved, you should next contact the management or owner of the company. If the matter requires additional attention, you can call the proper regulatory agency. There are a number of different regulatory agencies governing the escrow operations in California. Elite Escrow Services of San Diego is governed by the California Department of Business Oversight.


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The Connectional Table has launched a series of weekly videos to help inform United Methodist church leaders and General Conference delegates leading up to the 2016 General Conference next May. The videos are part of an online forum called #CTTalks. Watch them here.
A redesigned 2016 General Conference app is now available. A helpful way to stay connected and learn more about all aspects of the conference, the app will feature news, photo and social media feeds, video and audio archives, live streaming of worship and plenary, the DCA and ADCA, and petition tracking.
For delegates and others at the conference on May 10-20, there are also some features to make the experience easier: legislative committee assignments, conference schedule with the option to build a personalized calendar, a delegate discussion board, a daily devotional, and an interactive map of the convention center and Portland, Oregon.
The app is free to download and is available for Android and Apple devices. You can search for "United Methodist General Conference" in your app store or visit the general conference app website for a link.
The 2016 General Conference Guide contains helpful information about the denomination's legislative assembly. Along with an overview, special events details and schedules, the 50-page guide also explains the legislative process, highlights major issues and offers basics about United Methodism. Compiled by the Rev. Joan Gray La Barr of Dallas and edited by United Methodist Communications staff, the resource is available as a PDF.
Get this resource.
Videos from the pre-General Conference briefing are now available online. The briefings provide information for delegates preparing for The United Methodist Church's top lawmaking body when it meets May 10-20 in Portland.
To see videos
To see related materials
Twitter: www.twitter.com/umcgc
Facebook: www.Facebook.com/umcgeneralconference
Follow coverage from AWF on Twitter with the hashtag #AWFGC


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Story and Photography by Andy Porter
Washington boasts some of the most pristine and untouched coastline anywhere in the lower 48. I normally associate wilderness with the mountains or desert southwest, but here, in Olympic National Park, the beaches are sublime.
Wide sand beaches separated by jagged headlands that cutoff small sections, sea stacks jutting out of the ocean just off shore, forests of driftwood thrown up like matchsticks along the beach, there all make for a fantastic place to hike and camp.
My favorite stretch of Washington coastline is called Point of the Arches. Here you can camp along the water's edge, and soak in all the air and surf you like. I plan my trips here based on the weather forecast. I have spent many nights here in the cold rain and now have become more of a fair weather visitor. Last week was one of those golden windows, a three day forecast for warmer temps and sun…and in February!
I made my way out to the Olympic Peninsula and finally down to my favorite spot, right in front of the sea stacks and tide pools. Capturing images seaside demands a good amount of luck. The light mid-day is harsh and unforgiving. For this reason I almost never do any day hiking, but rather make the trek in with all that I need to spend a night or 3 and bask in all the glory of wilderness and sea.
I was lucky again. The afternoon shadows lengthened and the light came alive. The glow of the fading sun lit up the rocks and sand.
As the golden hour progressed the colors became more magical. Things could not be better! Late night brought stars and the glow of ships and nearby settlements.
The following morning the sunrise crept up, and then pounced on the shore. The soft colors, like a pastel artist's image, are so smooth… Luckily I was ready and able to capture a few images before the sun crested the horizon.
Most of my images were captured with a 14mm lens. I also carry a 24-105mm lens, but love the detail and depth of field from the wide angle lens. Make sure to bring a few memory cards, you'll need them!
Andy is a nature photographer lured to Washington State by the glorious vistas. He lives along the North Cascades Highway, where he teaches photography and leads photo tours. You can see more of his work at: www.AndyPorterImages.com
Did you know? In the late 1970s, Portland heiress and sculptor Marie Louise Feldenheimer wrote a $500,000 check to enable The Nature Conservancy to buy Point of Arches, on the Olympic Coast. When the Conservancy sold the property to the Olympic National Park, the proceeds helped to establish the Land Preservation Fund, a Conservancy revolving fund for acquisitions around the world.


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Domaine E. de Montmollin Fils Domaine Vin du Diable
Neuchâtel, part of Romandy, the French-speaking western Switzerland, is the 15th largest canton (out of 26) with 800km2 (198,000 acres), and extends from southwest to northeast along the Jura range. It shares a border with France and is parallel to and east of Burgundy. Home to most of Switzerland's famous watch making industry, it is part of what is called the Three Lakes Region of Switzerland, which includes Lake Neuchâtel, Lake Biel and Lake Murten. Its vineyards are located along the shore of Lake Neuchâtel on a 20 miles stretch of southeast facing slopes.It produces beautiful, light but crisp Chasselas, as well as quality Pinot Noir that are less earthy and fruitier than their counterparts from Valais. And, of course, it makes its famous Oeil-de-Perdrix (eye of the partridge), a dry rosé of Pinot Noir that is significantly darker in color than the traditional French rosé, and also much fuller-bodied and complex. Unlike a light rosé that makes for a perfect sipping wine, an Oeil-de-Perdrix is a serious food wine.
The De Montmollin family has been growing vines along the shores of Lake Neuchâtel since the 16th century. A thirst-quenching wine made from the Chasselas grape.Tasting Notes: Vine blossom, mineral and lime-tree aromas. Hints of citrus fruit on the palate, dry. My driest Chasselas.Pairing: Serve as an aperitif, with cheese, fish and seafood.Color: whiteVarietal: ChasselasBottle Volume (ml): 750Appellation: NeuchâtelProducer Website: http://www.montmollinwine.ch/Download:Shelf TalkerSpecs Sheet
This "Eye of the Partridge" rosé (named after the color of the bird's eye) is made from the Pinot Noir grape.Tasting Notes: The bouquet evokes delicate but serious Pinot aromas while exhibiting attractive fruitiness and elegance on the palate. A serious rosé, more of a food wine than a sipping one.Pairing: Serve with fish terrine, poultry and Asian food.Color: roséVarietal: Pinot NoirBottle Volume (ml): 750Appellation: NeuchâtelProducer Website: http://www.montmollinwine.ch/Download:Shelf TalkerSpecs Sheet
Pinot Noir from the shores of Lake Neuchâtel.Tasting Notes: Aromas of small wild berries, slightly smoked. Well structured, marked by the tannins while young, becoming full and generous after 2 to 3 years.Pairing: Excellent with white and red meat, as well as cheese.Color: redVarietal: Pinot NoirBottle Volume (ml): 750Appellation: NeuchâtelProducer Website: http://www.montmollinwine.ch/Download:Shelf TalkerSpecs Sheet
In 1806, the victor of Austerlitz, General Oudinot, is visiting Colonel Vouga in Cortaillod, Switzerland. After enjoying a few too many glasses of the famous red wine "Côtes", he falls from his horse and shouts out "Your wine, Colonel, is from the devil". Pinot Noir from Lake Neuchâtel area. Aged 9 months in small oak barrels.Tasting Notes: Fruity bouquet, complex, with a soft vanilla touch. Rich palate, with ripe red fruits and soft tannins.Pairing: Serve with non-marinated red meat and cheese.Color: redVarietal: Pinot NoirBottle Volume (ml): 750Appellation: CortaillodDownload:Shelf TalkerSpecs Sheet


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Monthly Archives: December 2012
Chief Theresa Spence – The Eagle
All eagles are messengers of Kichi Manido, none among them is more blessed by the touch of God than is the next. All are equally sacred. We welcome their presence at our ceremonies and draw strength and comfort for ourselves … Continue reading
Posted in Uncategorized Tagged Aboriginal, Albert Dumont, Attawapiskat, Chief Theresa Spence, Cree, eagle, Indigenous, injustice, leader Leave a comment
Hate Literature
"Perhaps it's time to pack up both Attawapiskat and Kashechewan, and raze both communities on the way out." The above is a direct quote from an editorial which appeared in the Ottawa Sun on 27 Dec 2012. If ever you … Continue reading
Posted in Uncategorized Tagged #IdleNoMore, Attawapiskat, Chief Theresa Spence, Cree, Israel, Kashechewan, treaties 1 Comment
The interfaith group I was part of for a year and a half is still going strong. Christian, Jew, Muslim, Sikh and most other faith groups were represented at our monthly meetings. The faith leaders were all of sweet and gentle … Continue reading
Posted in Spirituality Tagged Aboriginal, Christmas, God, Indigenous, injustice, Land, religion, spirituality 3 Comments
Idle No More
Five years ago, after reading a newspaper article I had given him, a male friend of First Nations ancestry laid it down and said, "Someone should do something about that". But he had a busy life and had much to … Continue reading
Posted in Idle No More 2 Comments
Death of Innocents
When innocent children are murdered, the spirit of Turtle Island mourns. Because children are sacred. And when they die, all else which is sacred, the season, the forests and all within it, the rivers and lakes, the mountains, all weep, … Continue reading
Posted in Uncategorized Tagged Albert Dumont, children, circle, death, healing, Newton, prayer, sacred, sacred fire, Sandy Hook, shooting 3 Comments
Pain: Friend or Foe?
Although my life was/is one of much suffering, I never, even one time, suspected that my pain was brought to me as the result of an enemy (I do have them) casting an evil spell on me or that at … Continue reading
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South Wind Blessing this Blog
A spiritual cleansing must first occur before the physical can get involved into something of healing. And so I say to all who I have harmed in any way that I am deeply and profoundly sorry. And I make no … Continue reading
Posted in Uncategorized 4 Comments
Welcome to Albert's updated website!
Albert Dumont, a Traditional Teacher, was born and raised on unceded Algonquin territory (Kitigan Zibi). He is a poet and has published 4 books of poetry and short stories and 1 children's book written in 3 languages. Several organizations, both … Continue reading
Posted in Uncategorized 2 Comments


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Jennifer Lopez Creates Swimwear Collection for Yamamay
If you love the vibrant swimsuits in Jennifer Lopez's "Live It Up" video, you'll be happy to know the singer is working on a collection of her own. This summer, the multi-talented fashionista will collaborate with Italian lingerie brand Yamamay on swimwear. The four piece capsule collection is anthracite grey and will include a mix of one-pieces and bikinis.
She first collaborated with Yamamay in 2007 on a collection of corsets, lingerie and loungewear.
Photo Credit: INF


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Once upon a time, I had a best friend. We did everything together and never took prisoners. And that friend's name... was C.J. Koster.
Nah, I've never met the guy. But we've exchanged emails, and I can say with confidence that if he ever left Korea and came back to the relative sanity of Canada, I would mail him a beer.* Especially now that he kindly asked me to post over at his blog, which is an always-enjoyable
howl of despair read.
My new boots remind me of how my dreaming has changed with the approach of middle age. As I grow older my remembered dreams grow fewer. I not only mean that the frequency of memorable dreams has diminished, but that some of the ones I pinned to the corkboard on the inside of my skull have grown brittle and fallen off.
And those are just the opening sentences! But I warn you, the rest of it is just some text I copied off an adult video site.


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Whether your decision is to have someone move in your home, or balancing your checkbook, there is no perfect decision. If you desire to please God with the decision you make and afterward it proves to be a mistake, it's an error not an end.
Even the times we can or have made it all so complicated! God has blessed us with the Knowledge – wisdom that comes from acquiring the truth; Insight – wisdom that comes from living out the truth we acquire; and Discernment – wisdom that comes from the Holy Spirit's reminders of that knowledge and insight.
Sometimes God gives us two or more choices that would all please Him and be in His will. We have to choose. Stepping out in faith, trusting God to give us the discernment and needs to choose wisely.
What an Amazing blessing!! God chose you!! How Awesome is that!!
As long as you desire to please God with your decisions, no decision you make will be completely awful or completely awesome. Every decision is a package deal of both.
And Guess What!! If you don't know His plan, stare mightily at living out His word in your life and His plan will unfold day by day. Decision by Decision.
Romans 8: 28 We know that in everything God works for the good of those who love him. These are the people God chose, because that was his plan.
Categories: Uncategorized


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This quality home offers 4 bedrooms, 2.5 bathroom, a den, office, gym, formal dining room and state of the art chef kitchen. With its Eco Bock construction the home is extremely energy efficient and quiet. Offering a rustic modern motif with concrete floors, lodge pole stairway, beautiful cedar ceilings, concrete counter tops and artistic metal accents . The home sits upon 0.99 acres. If you are looking for both function and personality this property is a must see!
The Mustang Mesa neighborhood is north on Highway 395 between 9 and 17 miles from Bishop, with great views of the majestic Sierra Nevada. The properties in this area draw equestrian lovers and outdoor enthusiasts. The lots in this area range from .5 acre to slightly over 1 acre with the homes ranging in size of 1,200 to 3,000 square feet. Each property is serviced by individual wells and private septic systems.
Randi Pritchard, Real Estate Professional in Bishop California for Eastern Sierra Realty. Reach us at 760-873-4161.


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FAQ's - The questions people ask before joining FM World/
Your FM questions answered
How do I join FM World?
Step one: Register. You can register ON-LINE by filling in the ONLINE REGISTRATION FORM
Step two: If you choose to register as a distributor, you can buy the starter kit with your 10-day offers, you DO NOT need to purchase a kit on signing up, you can add this at a later date.
Your choices:
Preferred Customer FREE REGISTRATION, If you register as a preferred customer, you can buy your products with up to 33% discount, you can update your status to a full business partner at any time by emailing firstname.lastname@example.com.
Your 10 Days discounts and ability to earn incentives on orders, still also apply to Preferred Customers.
Business Partner FREE REGISTRATION & recruiter upgrade in 2019 - no kit required to build a team. This option allows you to really build a business and start to introduce friends and build a team straight away. Please speak to your sponsor for further details.
What does the starter kit include?
Complete starter pack 150 £59.99 ◾ 1 Black Briefcase with 150 samples and a pen ◾ 1 Product Catalogue ◾ 1 Marketing Plan Booklet ◾ Business Opportunity Leaflet ◾ 1 Price List Booklet PLUS ADDITIONAL STATIONERY PACK which consists of the following sales aids: ◾ Party Manual Booklet ◾ Party Invitations set of 25 ◾ Work from Home Mums & Dads Leaflet set of 100 ◾ Customer Vouchers - set of 100 ◾ Earning Opportunity Leaflet - set of 100 ◾ Beauty Professionals Opportunity Leaflet - set of 100 ◾ Utique Samples - Set of 8 ◾ Fragrance Strips ◾ Receipt Pad
Starter Kit 150 £48.50 ◾ 1 Black Briefcase with 150 samples and a pen ◾ 1 Product Catalogue ◾ 1 Marketing Plan Booklet ◾ 1 Price List Booklet
Mini Starter kit £11.50 ◾ 1 Black handbag size leather case containing 20 fragrance samples that are best selling in the UK ◾ 1 Product Catalogue ◾ 1 Marketing Plan Booklet ◾ Business Opportunity Leaflet ◾ 1 Price List Booklet
Please add £6 shipping onto the prices if not adding anything else. Prices include 20% VAT.
When do I get my password to login to the back office?
Straight away! Once you have registered, you will receive an email from the company, verify this link. Then you are sent your ID number, password and your Orchid upline contact details should you not know who is your sponsor.
If you don't get ID then please contact your sponsor or email head office to get your password re-sent but please check your spam filter first and verify the initial link on registration. After you have received your login and password you will have access to distributors zone to check all new information, promotions, distributors news and prices. Please login regularly to check latest news. You can access the shop from this place also.
What support is in place?
Not only do you have access to various tools and documents in your business partner area of the main FM website, from the minute you register you are put into our training systems. If you have registered into my down line team, you are sent a welcome email from your sponsor who will ask you to make contact and you can then arrange some welcome training and be added to our training groups on Facebook. This is where you can access weekly training and lots of other support from members at every level in the business. You can also access our 10-day Foundation Training which really covers everything you need to get your business going and earning within your first 30-days (this is available via email or messenger).
If you have made contact with your sponsor and discussed your goals and reasons for starting your FM business you will then also be sent a welcome pack to help you get started if you want to make FM a business and not just for placing personal orders..
How soon can I place an order?
As soon as you are added to our team, you are sent a booklet with all the ordering information and much more. You can order products when your registration is completed and you have verified registration and then received your FM ID number and password. You can order through the on-line shop, over the phone or by email. If you order and pay before 1pm you will have your products shipped that very same day to DPD so it could even be delivered the next working day. However we do say please allow 2/3 days especially in busy periods
Do I have to sell?
Not at all, you can team build or simply order for personal use.
Most people don't like selling (I prefer to coach and build a team). With FM you can use the products yourself, you just recommend them to family and friends like you would a good restaurant or film.
How do I get free delivery?
You won't pay the shipping costs if you order over 580 points of products. So it's a good idea to place bulk orders instead of single one's. Every product comes with a points value which can help you reach levels, receive rewards and discounts…
If your order is:
0-318 points – £6 delivery charge
319-579 points – £4 delivery charge
580 or more points – £0
Do I need much time for FM?
There are 24 hours in a day, it's about putting aside some time each day that will help you to get out of the situation you are in. I cut out some TV initially to make time and now I'm seeing great results.
Need a lot of income? Then a lot of hours and commitment will be needed on your behalf. Speak to you sponsor who will help you work out what is required to help you reach your goals.
Why are FM products not in the high street?
FM Group decided the best way to move its products is through Network Marketing. If they chose to go through the high street chains there would be costly advertising, celebrity endorsements to pay for and expensive demonstration counters. We believe in supplying high quality products at very affordable prices.
You can read more bout getting started on these recent blog posts:
Make your first 30 days count
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Facts: Mother and Father are the parents of Child. At the time of Child's birth, Father was incarcerated serving an effective 19-year prison sentence, although he will be eligible for parole in 2017. Child was removed from Mother's care because of her substance abuse, mental health problems, and reports of neglect. The Department of Children's Services (DCS) placed Child in foster care.
DCS petitioned to terminate Mother and Father's parental rights so Child could be adopted. The grounds for terminating Father's parental rights was that he has been sentenced to prison for 10 or more years and Child was under eight years of age at the time the sentence was entered.
Father argued the grounds should not apply because Child had not yet been born at the time of Father's sentencing.
The trial court disagreed and terminated Father's parental rights.
Father appealed.
On Appeal: The Court of Appeals affirmed the trial court.
In order to terminate the parental rights of a biological parent, a petitioner must first prove, by clear and convincing evidence, at least one of the listed grounds for termination. Among these grounds, Tennessee Code Annotated § 36-1-113(g)(6) provides a parent's rights may be terminated if:
The parent has been confined in a correctional or detention facility of any type, by order of the court as a result of a criminal act, under a sentence of ten (10) or more years, and the child is under eight (8) years of age at the time the sentence is entered by the court.
In a case of first impression in Tennessee, Father argued the statutory requirement that there be a "child under eight (8) years of age at the time the sentence is entered"was not satisfied because Child had not yet been born when Father was sentenced.
The question of whether a fetus constitutes a "child" or a "person" is one of the most divisive and hotly contested issues of our time. While the determination of public policy is primarily within the province of the legislature, it is the court's duty to ascertain and give effect to the legislature's intention and purpose.
When the statutory language is clear and unambiguous, courts must apply its plain meaning in its normal and accepted use, without a forced interpretation that would limit or expand the statute's application. Where an ambiguity exists, courts must look to the entire statutory scheme and elsewhere to ascertain the legislative intent and purpose. The statute must be construed in its entirety, and it should be assumed that the legislature used each word purposely and that those words convey some intent and have a meaning and a purpose. The background, purpose, and general circumstances under which words are used in a statute must be considered, and it is improper to take a word or a few words from its context and, with them isolated, attempt to determine their meaning.
The Court first determined the plain language of the statute is ambiguous:
[T]he question of whether a fetus constitutes a "person" or "child" is a contentious issue about which reasonable minds continually disagree. Because of this vast disagreement, it is unclear by simply examining the terms "child" and "person" whether the legislature intended for a fetus to be considered a "child under eight" for purposes of Section 36-1-113(g)(6). Therefore, because the statutory language is ambiguous, we must look elsewhere to ascertain the legislative intent.
When statutory language is ambiguous, courts may reference the broader statutory scheme in deciphering legislative intent. It is a well-settled rule of construction that statutes in pari materia — those relating to the same subject or having a common purpose — are to be construed together, and the construction of one such statute, if doubtful, may be aided by considering the words and legislative intent indicated by the language of another statute.
Further, in ascertaining the intent of the legislature, courts may look to a statute's subject matter, the object and reach of the statute, the wrong or evil which it seeks to remedy or prevent, and the purpose sought to be accomplished in its enactment.
The Court said the obvious purpose of § 36-1-113(g)(6) is to achieve permanency for children whose parents are subjected to the possibility of lengthy prison sentences.
The Court also noted the term "child" has been interpreted as including the period of pregnancy for at least two other statutory grounds for termination, namely wanton disregard for the welfare of the child and severe child abuse.
The Court concluded that, in this context, "child" includes an unborn child:
If we were to adopt Father's interpretation of Section 36-1-113(g)(6), it would operate to contravene this legislative purpose. Under Father's interpretation, a child born even one day after a parent is sentenced to ten or more years imprisonment would be deprived of the possibility of a stable home environment for the entirety of the parent's incarceration, while a child born a day before sentencing would be afforded this protection. Such a result is contrary to reason. On the other hand, a construction of the statute to include the period of pregnancy serves the legislative goals of providing permanency and protecting the day-to-day needs of children.
Therefore, both the broader statutory scheme and the purpose behind the statute at issue support the conclusion that Tennessee Code Annotated § 36-1-113(g)(6) is an applicable grounds for terminating Father's parental rights in this case.
Accordingly, the trial court's judgment was affirmed. Father's parental rights are terminated.
K.O.'s Comment: In In re Anthony R., the Court held the "wanton disregard" statute applies only when the parent has knowledge of the child's existence. After all, you cannot disregard a child you don't know exists.
Here, Father argued for the application of the same rule because he claimed he was unaware that Child had been conceived at the time of his sentencing. The Court rejected this argument because "termination under the statute at issue in this case is not based on the parent's actions or knowledge, but is based on the parent's status — i.e., having received a prison sentence of 10 or more years. Therefore, Father's knowledge of the child at the time of sentencing is irrelevant."
So it matters not whether the parent is aware of the child's conception — if the parent of a fetus receives a prison sentence of 10 years or more, grounds exist to terminate his or her parental rights.
In re Adrianna S. (Tennessee Court of Appeals, Middle Section, September 29, 2016).
Information provided by K.O. Herston: Knoxville, Tennessee Divorce and Family-Law Attorney.


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I'm super excited to announce the launch of my new "Green Skin Care Guide". This guide is filled with natural skin care tips so you will know what products to buy that are healthy and beneficial to your skin. The guide will also include fun and natural beauty recipe cards so that you can make a glowing facial cleaner and a moisturizing mask with ingredients from your own kitchen.
Get a copy of my FREE "Green Skin Care Guide".
As a special bonus leave a comment on this post by simply announcing that you signed up for the guide and you will automatically be entered in a drawing to receive a special gift pack of handmade soap from Natural Garden Soaps. Photo of the Gift Pack of Handmade Soap to be added on another post.


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Tuesday, July 2, 2019
2:30 PM to 4:00 PM
July 2, 2019
Everyone needs some fresh flowers in their lives - especially the kind that never fade. Learn the art of French beaded flowers as you create a new flower each week on Tuesday. You don't have to have any experience - we start with the simplest flower and learn new skills each week. Instructor: Pam
Class Fee: $18, Includes Supplies
Level: All Levels French beaded flower technique
To register: Call Eclectica at (262) 641-0910 ext 1.


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The NIHR Global Health Research Unit on Respiratory Health (RESPIRE) at The University of Edinburgh conducts research on respiratory health in Asia. It is funded as part of the NIHR Global Health Research Programme in 2016/17. It is one of 13 Units funded across the UK, and one of two at the University of Edinburgh. Our programme leads Platform I which focuses on how we work with partners to promote shared understanding and develop effective, reciprocal and ethical working relationships, and to maximise the local, regional and global impact from the new knowledge and experience generated by RESPIRE.
For more details on RESPIRE see: https://www.ed.ac.uk/usher/respire


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via press release:
Univision's Morning Show Ranks No. 1 in Los Angeles, Chicago, Houston and San Francisco, Ahead of NBC's "Today Show," ABC's "Good Morning America" and "CBS This Morning"
MIAMI – APRIL 11, 2013 – Univision Communications Inc., the leading media company serving Hispanic America, has announced that its popular morning show, "Despierta América" (Wake-Up America), has ended Q1 2013 with double digit audience growth across key demographics over the same quarter last year. With nine consecutive months of year-over-year audience increases, "Despierta América" remains the fastest growing morning show, regardless of language, in the current 2012/2013 season versus its English-language broadcast counterparts. This includes a February where "Despierta América" was the No. 1 morning show regardless of language in key markets including Los Angeles, Chicago, Houston and San Francisco among Adults 18-49.
Univision's overall growth surpassed that of its English-language morning show competition in a number of key demographics including Adults 18-49 (up +25% to 471,000) and Adults 25-54 (up +20% to 472,000). In fact, among Adults 18-49, ABC's "Good Morning America" (+1%), "CBS This Morning" (+2%) and NBC's "Today Show" (-15%) were virtually flat or down in Q1 2013 compared to Q1 2012.
· In Q1 2013, "Despierta America" grew its Total Viewers 2+ average by +27% and delivered its highest first quarter performance ever with 922,000 Total Viewers 2+.
· "Despierta America" also generated year-over-year audience increases with young Adults 18-34 of +21% to 206,000.
· On average, the "Despierta America" viewer was 13 years younger (43 years old) in Q1 2013 than its English-language morning show competition at ABC's "Good Morning America" (58 years old), "CBS' This Morning" (58 years old) and NBC's "Today Show" (56 years old).
· With more Hispanic viewers than ABC's "Good Morning America," "CBS This Morning" and NBC's "Today Show" combined audience, "Despierta América" frequently welcomes Hollywood stars to its Miami studio – a must-stop for talent looking to reach a demographic responsible for 25 percent of all movie tickets sold. Recent celebrity guests have included Halle Berry, Mark Wahlberg and Jason Statham.
"Despierta América" also connects with viewers in real-time on Twitter via @DespiertaAmeric and through thematic hashtags as well as on Facebook.com/DespiertaAmerica. From being featured on-air to having their favorite celebrities answer their questions, viewers are socially threaded day in and day out to "Despierta América."


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It is an extraordinary privilege to represent you in the United States Congress!
Since 1867, twenty-nine Nebraskans have been elected to serve in Congress as the First District Representative. A look back at the history shows that one person served for only two days, another for twenty-five years! But what has endured are the exceptional values of our state. Nebraska is a wonderful place to live, work, and raise a family. Our communities preserve the ideals of small town pride. We place strong emphasis on hard work, opportunity, education, faith and family.
At the edge of the Great Plains of America, the First Congressional District reflects the exceptional diversity of Nebraska—vast rolling farmland; wildlife habitat; the Platte, Elkhorn, and Missouri Rivers; the State Capitol; Husker football; Offutt Air Force Base and Strategic Command. I am proud of our extraordinary heritage.
Despite the significant challenges our nation faces and the divisiveness that too often stifles creative thinking and collaboration in Congress, I believe that Nebraska, with our determined focus on community life and pragmatic governance, has much to offer America by way of example.
In Congress my priorities are economic security, national security, and family security. The strength of the nation ultimately depends upon the strength of families and communities. I am committed to meeting the challenges of these times with imagination and innovation, guided by the lasting principles of goodness and justice, and built upon the solemn traditions of our country. Thank you for the opportunity to serve!
Strong Families Strong Communities Strong Nation
Jeff Fortenberry for United States Congress Committee
PO Box 30265 | Lincoln, Nebraska 68503
(402) 488-3678


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Machineers: A charming yet challenging puzzle game that requires ingenuity and creativity
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Universal App
With the weekend upon us, some of you are surely looking for a way to pass your downtime, and maybe even find a great game to distract yourself with at work. While we can't recommend the latter, we have something that's great for the former in Machineers.
Machineers is a fun puzzle game in which you have to construct intricate scenarios with a host of weird and quirky robots and machines. Your job is to fix broken parts and machine contraptions so that they'll be working again. However, throughout the game you'll be building your own workarounds and mini-inventions in order to move forward, so this is the type of game that requires heavy doses of creativity and ingenuity, but can still be played by users of various age groups.
The game is filled with handcrafted graphics and animations that pop right off the screen, providing an immersive experience that keeps the action moving forward. The game is equal parts charming and challenging, providing just the right type of gameplay experience you'd want in an app of its ilk. Download Machineers while it's still free and get yourself one heckuva puzzle game to play when you need it most.
App Screenshots
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By Destiny Thomas
The journey of self-love is far from perfect. It is a journey that consists of continuous growth, patience, time, strength and realization. Self-love is a part of growth and can be a challenge for some. Being as though in today's society women of color are told to deem attributes that make their overall being unique to be seen as ugly instead. We are constantly being told and shown all of their wrong things which unfortunately causes us women of color to not have the ability to grow boldly, freely, and authentically. We are taught to hate every inch of who we are from the hair that grows through the layers of our scalp to the way our shoulders stand tall to the lines on the inner corners of our thighs to the way our skin glistens ever so beautifully in the rhythm of light.
It can be quite hard being a woman of color in today's society. The chances of finding spaces that will allow us to bloom gracefully and unapologetically doesn't come a dime a dozen. It is imperative that every woman of color knows how mighty powerful she is despite the negative connotations that she may hear. Spaces such as Black Girl In Om, gives women of color the courage and strength to keep going no matter the circumstance. We are given a space that reassures us that indeed we are beautiful and that it is okay to treat and love yourself as such.
1. Keep in mind that the journey of loving yourself will not occur overnight. Be okay with that, for every moment counts. Cherish the time that you take out to love yourself just a tad bit more each day.
2. Do you see all of those insecurities that were embedded within you from birth to now? If so, I want you to face everything about yourself that you do not like. I want you to peel away each layer carefully as if those qualities will help strengthen every crevice of your body and soul. It's okay, to be afraid. Be sure to peel each layer away with love and truth as if they were implanted into the bones of your skin and in the tunnels of your cheeks. Take as much time as you need for a process such as this takes patience and a consistent effort.
3. Do you see all of the lies that you've been told over the years? Get rid of them. Eliminate every rude remark and negative thought from the depths of your mind for those messages were shared with everything except love, joy, and peace.
4. Look at yourself in the mirror. Dance around. Act as if you were a supermodel starring in a runway show. Embrace every curve that lies on your being, shamelessly. Ease your mind from all of the doubts, worry, shame, guilt, and pain.
5. Treat yourself with care. Spend less time worrying about what is wrong for that will only make matters worse. Instead, pay close attention to all of the pieces of who you are that make you unique. Let go of every false act of kindness, and love that you have experienced in the past. Now, is the time to truly grow in all that you are. This time around will be filled with dignity, power, and acceptance.
6. Refrain from keeping those of bad energy around. Stay close to the souls who bring peace to your mind. Stay close to the souls who bring your heart warmth. Stay close to the souls who have the ability to awaken every insecurity from underneath you with laughter and love.
7. Never compare your journey to another. Remember that, everyone has a journey of their own to fulfill. You were given a journey to help you grow beautifully as a person from the inside to the out. Please, understand that you are moving towards recognizing your power without apology. Take heed of that.
8. What is your heart telling you to do? Whatever it is telling you to do be sure to follow it. Follow the melody of your heart. Follow the spirit that is within for it will never lead you in harm's way. Trust that gut feeling that arises in the pit of your stomach often times than none.
9. Please. Never settle. You deserve a love that will warm the insides of your chest. You deserve a love that will inspire every bone in your body. You deserve a love that has the ability to show you parts of yourself that you've never seen before. You deserve a love that doesn't have the ability to fade even through the rain days. You deserve a love that will be there for you no matter the circumstance that you are in. You deserve a love that will bring you everlasting joy, peace, hope, and love.
10. Do know that when you are in tuned with every beautiful piece of your being, the magic of life will unfold right before your eyes. Always, remain true to yourself even when no one seems to do the same. Never let anyone have the audacity to tell you that you're unworthy. Believe in your capabilities. Believe in your journey. Believe that great opportunities will come when the time permits itself to. Keep the faith even when you feel as though you have nothing left. Faith can move mountains my dear, never forget that.
Destiny Thomas is an Atlanta based blogger. She contributes to Black Girl In Om because she believes that it is a space that allows women of color to soar freely. It is an honor to have the ability to contribute to a space that gives women of color reassurance no matter the situation. You can find her at her website, Instagram (@_herbeautyspeaks), Twitter (@herbeautyspeaks) and Facebook.


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Hey there!
I am an Undergraduate student in Engineering. I would like to apply for graduate school in 2014. Since my major is not in Physics, I would love to do research in a topic and hopefully publish a paper! I tried searching for 'unexplained' in arXiv.org, but I can't find a good problem to start with. My area of interest lies in Quantum Mechanics and Computation. I contacted some of the professors from my country but they didn't seem interested to take a Undergraduate student. So,in a nut shell, can someone point me to a research topic that an undergrad would be able to solve??
Thank you!!