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I immediately requested that they show the data. Having seen previous claims made which are blatantly false (ie. $20 = 20 years of clean water for a person), I was immediately skeptical (what's new?). After doing a little digging, I found that the statistic is a favorite for a bunch of other organizations.
Overseas Development Institute
Finally, the cost-effectiveness of hazard warning and prevention is only too clear. The World Bank has estimated that every dollar spent on risk reduction saves $7 in relief and repairs. Prevention now needs greater emphasis.Relief Web (using UN data)
The United Nations says $1 invested in reducing the risk of disasters in developing countries saves around $7 in losses, and it costs $1 to feed a child compared to the $80 needed to save a starving child's life.National Institute on Drug Abuse
Every dollar spent on drug and alcohol abuse treatment saves the public $7, largely through reduced crime, according to a study of the cost-effectiveness of California's substance abuse treatment programs. The University of Chicago's National Opinion Research Center, which conducted the study from 1991 to 1992, called it the largest and most scientifically rigorous cost-benefit analysis of drug abuse treatment ever undertaken.Maybe I missed a study, but it looks like there is some lazy application of data going on here. CARE seems to be running with a static and applying it to development in general. At best, it seems like one dollar invested in disaster prevention will prevent large expenditures post-disaster. To me, that is pretty specific and would not apply to something like maternal care or sanitation.
It is likely true that early interventions are more cost effective than later fixes. Why not compare it to an investment verses an expenditure. If you make the investment in advance, it will bring later returns to pay for times in need. If you choose to wait, you will have to pay and have nothing left over.
OK, that is not a great analogy, anyone have a suggestion?


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I like to hit my audiences with reality when working as an employee retention speaker. One reality is, like it or not we hire the husband, the kids, the dog and even the ex when we hire a person. What affects them affects how your people perform on the job. Ask anyone who has a kid that is in trouble! You can sit on your hands and let these situations destroy your employee retention strategies or you can turn them into positives.
Fully 20% of employees are experiencing some sort of issue in their life at any one time. Those issues have a real impact on the state of mind of your people when they are writing a software program…or not writing it because they are thinking about their daughter who is talking about moving in with that loser boyfriend of hers. Your ability as an organization to QUICKLY connect people with the resources they need to get thru the "bumps in the road" is critical in keeping your people fully engaged and productive. Helping people to do so also sends a very positive message you truly do care. People remember when you are there for them even if they might never admit it. If you help them through the tough times, you, begin to seem "human" in their eyes. It is a lot harder to walk out on a PERSON than it is to walk out on a nameless, faceless "corporation."
Organizations that demonstrate the "C" of caring in my C.R.A.P philosophy will engender good will, drive positive employee retention strategies for the organization and also do immense good for society. When your people are struggling with issues, and you know it, get them channeled to resources that will help them address their issues so that it does not affect their work and your employee retention.

subset: commoncrawl


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November 17 – December 21, 2015
Ahhhh…. hot springs and relaxation. What could be better? Especially over the holidays while having to deal with all the intricacies of family! 🙂
Mark's family reside in the Los Angeles area of California. Knowing how difficult the area is, especially the traffic, I was adamant that we would not take our rig in too close to the city. So we looked around and again I fell back to Wheeling It for a recommendation. Just two hours drive from Mark's family, Sam's Family Spa seemed too good to pass up!
With no reservations required and a decent rate (for California) at $540/mo it seemed perfect. Not to mention all the amenities that came with it. How can you pass up glorious pools filled with hot water? I sure can't!
Sam's Family Spa is a combo RV park and mobile home park. It has tons of RV spaces and even during Thanksgiving it did not get completely full. The sites are a bit awkward for larger rigs as they are not angled well and you have to back straight in (no pull through sites), but all are 30/50 amps with great views of the mountains above Palm Springs.
So on November 17th we made our way from Quartzsite, AZ to Desert Hot Springs, CA. A short two hour drive brought us to the land of warm weather, hot springs and expensive everything! This was a treat for us and of course a chance to see Mark's mom who is nearly 86 so it was worth it.
Arriving at Sam's, you don't go straight to the office. You go and find a site you like, get set up and then go to the office to register! All sites are first come, first served which I find really fair and so simple. I wish all parks were like this.
We chose a site kind of in the middle of the park but close enough to walk to the hot springs!
While we didn't do much exploring as our time was divided between our RV and family in LA for Thanksgiving and Hanukkah, so when we were at the RV we mainly just relaxed in the pools, visited with friends and enjoyed some good food/drink as well as more beautiful sunsets!
We had some great neighbors during our month stay (Wheeling It, Technomadia, RV Geeks to name a few) and had a surprise visit at happy hour from Mali Mish! If you don't follow Mali Mish you should – they are on an exciting journey with their kids to Mexico at the moment and it looks fabulous!
Just to give you an idea of the amazing amenities, here are a few more photos of our stay. We enjoyed our month here immensely and didn't want to leave but the desert was calling us away and so back to Quartzsite we went.


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Book Online or Call 01355 598 49001355 598 490
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Join us this year for a holiday to Ireland that you will not want to miss. Visiting the UNESCO World Heritage Site of The Giant's Causeway, HBO's Game of Thrones filming locations, beautiful Irish coastlines with an array of breathtaking scenery, historic monuments and castles, fantastic shops and cafes whilst staying in the heart of it all Belfast - this holiday really does have something for everyone!
Today at your leisure in Belfast. Once the home of the Irish linen industry, tobacco production, rope making and the world famous Harland and Wolff shipbuilders, Belfast lays claim to a unique history. Split into quarters, each with its own personality, today it is bursting with fun and excitement. Titanic Quarter, is home to the spectacular Titanic Exhibition, The Gaeltacht Quarter the centre for Irish language and culture, with music, drama and fantastic restaurants and pubs, St Ann's Cathedral. The Cathedral Quarter is packed full of fascinating architecture, from public buildings to renovated warehouse restaurants and last but not least the Queens Quarter is alive with shops, cafes, bars, live venues and the Botanical Gardens.
Giants Causeway & Game of Thrones
Today we take you to see the UNESCO World Heritage Site that is The Giants Causeway. The Visitor Centre is our first stop where you can learn all about the amazing natural wonder before seeing it for yourself. Next we travel along the Causeway Coastal Route to see the first of today's Game of Thrones filming locations and Duncluce Castle (Castle Greyjoy) where we stop for photo's before arriving in the lovely seaside town of Portstewart in time for lunch. Portstewart Strand is a beautiful beach here, and was used for filming in Season 5 of the TV Series too. On the return journey we travel through the countryside and stop at The Dark Hedges (Kings Road) near Ballymoney where you can walk along just as a young Arya Stark did! Stopping at Gracehill House here, which is lucky enough to house Door No7 of the Game of Thrones collection. Perfect photo opportunity for fans and a wee break for teas/coffees too!
Our visit today is to Donegal Full of Irish charm and character, home to 'The Diamond', a monument dedicated to the four authors of 'The Annuals of the Four Masters'. You will have time to wander around the shops or visit the Donegal Castle, built in the 15th century by O'Donnell chieftains.
Built in the 1950s, this family-run hotel by Queen's University Belfast is a 5-minute walk from the Ulster Museum and an 8-minute walk from the Belfast Botanical Gardens. Warmly decorated rooms and suites feature flat-screen TVs, work desks and free Wi-Fi, as well as tea and coffeemaking equipment. Suites are split-level and include DVD players. Room service is available.
Swipe left and right
Pickup Points for this tour are:
The following room types are still available on this tour:


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Mrs. Patricia Ann Vines, 67, of Overstreet, Florida, passed away Saturday, November 30, 2013 in Panama City, Florida.
Mrs. Patricia Ann Vines, 67, of Overstreet, Florida, passed away Saturday, November 30, 2013 in Panama City, Florida. Born in Alabama, she has been a resident here since 1996 and was an ordained minister, preaching in many churches around the area. She was a very loving person, she loved her God, and was a good wife and mother.
Survivors include her husband, Jerry Vines of Overstreet; one daughter, Pamela Byrum and husband Nathan of Woodstock, AL; three grandchildren; 11 great-grandchildren; two stepdaughters, Lynn Adams and husband Sammy of Texas and Tracy Rice of Louisiana; one stepson Jeremy Vines and wife Joyce Ann of Miss.; eight step-grandchildren; eight step-great-grandchildren; three brothers, Wayne Nicholson and wife Carol of Miss., Larry Jo Nicholson and wife Donna of Alabama, Douglas Nicholson and wife Agnes of Alabama; one sister, Jan Walters and husband Michael of Miss.; and a cousin Angie Ferry of Port Saint Joe, FL.
A visitation was held for her on Wednesday, December 4, 2013 at the Comforter Funeral Home from 2 p.m. until 5:00 p.m. C.S.T. Afterward she will be taken to Bessemer Brown Service Funeral Home in Bessemer, AL for funeral services.
Donations may be made in her memory to Covenant Hospice.
Local services are under the direction of the Comforter Funeral Home.


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The Grace Only Great Sinners Have
Father Roger J. Landry
From heaven he jumped into the toxic sea in which we were drowning, taking on our nature in order to be able to push us to safety, and died in the process.
On the night Pope Francis was elected I was doing television interviews in Rome until nearly midnight. I returned to the hotel, filed a story, and then -- since a papal election is more stimulating than twenty espressos! -- decided to track down some of Cardinal Bergoglio's writings and speed-read them through the night.
I found, purchased and downloaded a copy of El Jesuita, the enlightening 2010 book-length interview that eventually was translated into English as Pope Francis: His Life in his Own Words. It was engrossing. At 3 in the morning I came across a passage that was so profound that I just had to stop reading. It beautifully presented who God is, who man is, and how loved he is. It summed up Cardinal Bergoglio's essential approach to the faith. And I believe it gives the key to unlock the reason why Pope Francis so eagerly desired this extraordinary Jubilee of Mercy.
An authentically Christian discipleship, Cardinal Bergoglio said to interviewers Francesca Ambrogetti and Sergio Rubin, begins with the recognition that we're sinners in need of salvation and the concomitant experience that that Savior looks on us with merciful love.
"For me, feeling oneself a sinner is one of the most beautiful things that can happen to a person, if it leads to its ultimate consequences" the future Pope Francis said, in sharp contrast to the affirmative pop psychologies of our age.
There's a reason why at the Easter Vigil, he asserted, we make St. Augustine's insight our own and sing in the Exultet, "O felix culpa," rejoicing in the "happy sin" that brought us to experience the love of the Redeemer.
"When a person becomes conscious that he is a sinner and is saved by Jesus," Cardinal Bergoglio affirmed, "he confesses this truth to himself and discovers the pearl of great price, the treasure buried in the field. He discovers the greatest thing in life: that there is someone who loves him profoundly, who gave his life for him."
He laments, however, that many Catholics have sadly not had this fundamental Christian experience.
"There are people who believe themselves to be good, who in some way have accepted the catechism and the Christian faith, but who do not have the experience of having been saved," he said.
He then gave a powerful metaphor of what the true experience of God's mercy is like.
"It's one thing when people tell us a story about someone's risking his life to save a boy drowning in the river. It's something else when I'm the one drowning and someone gives his life to save me!"
That's what Christ did for us to save us from the eternal watery grave of the deluge of sin. From heaven he jumped into the toxic sea in which we were drowning, taking on our nature in order to be able to push us to safety, and died in the process. Sometimes we focus so much on the happy ending of Christ's Resurrection that we can fail to appreciate the heroism and love of Calvary. If a stranger or family member gave his life to save ours, we would never be able to forget it and the rest of our life would be filled with reverential gratitude. That's the way we should approach Christ and what he did for us.
Unfortunately, the future pope said, "There are people to whom you tell this metaphor who don't see it, who don't want to see it, who don't want to know what happened to that boy, who always have escape hatches from the situation of drowning and who therefore lack the experience of who they are."
Then he unforgettably concluded: "I believe that only we great sinners have that grace."
To know who we are, to know who God is, to fathom the great love he has for us, we need to grasp that we're great sinners who have been saved by God.
This is the key to understand Pope Francis' self-identity.
When he was asked in his first papal interview, "Who is Jorge Mario Bergoglio?," he replied, "I am a sinner. This is the most accurate definition. It is not a figure of speech, a literary genre. I am a sinner... The best summary, the one that comes from the inside and I feel most true is this: I am a sinner whom the Lord has looked upon" with love.
That's what his papal motto, Miserando atque Eligendo, indicates, referring to how he received his priestly calling in the very act of being looked upon with merciful love by God in the confessional as a 16-year-old.
That's how he responded when they formally asked him in the Sistine Chapel if he accepted his election as pontiff. Spontaneously in Latin, he replied, "I am a sinner, but I trust in the infinite mercy and patience of our Lord Jesus Christ, and in a spirit of penance, I accept."
This Jubilee of Mercy is a much-needed opportunity for us to rediscover with Pope Francis who we really are: not just sinners but great sinners -- but sinners greatly loved by God and saved.
Even though each of us confesses at the beginning of Mass, "I have greatly sinned... through my most grievous fault," many of us don't really mean it. We consider our sins "peccadillos," relative trifles. We convince ourselves that we're basically "good people," not serial killers, and so we think we have little need to come to receive God's mercy in the Sacrament of Penance. We have "escape hatches" from seeing ourselves submerged in sin and desperate for a divine rescue. And therefore we lack the true Christian understanding of God, ourselves, and the joy of redemption at the root of the Christian life.
Pope Francis has called this Jubilee to help all of us experience the jubilation of the Easter Vigil, to convince us of the "happy sins" that have brought us so wondrous a Redeemer, and to remind us that it is only "great sinners" who approach the font of God's mercy who will have such joy.
Father Roger J. Landry is a priest of the Diocese of Fall River, Massachusetts, who works for the Holy Sees Permanent Observer Mission to the United Nations.
Recent articles in the Faith & Family section
What is to be learned when going to college?Kevin and Marilyn Ryan
Prudent StewardsScott Hahn
Voting for pro-abortion candidateFather Kenneth Doyle
Culture of belongingJaymie Stuart Wolfe
What to say in confessionFather Kenneth Doyle


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Oversharing into King's
So, another trip down to London on the train and I'm reminded again of why I decided to start blogging this kind of message. Millions of pounds are spent on security yearly by businesses from gateway and "Next Gen" Endpoint technology through to SIEM, IPS and a whole raft of layered security models. But what about the end user? Today was a clear case in point that user awareness and social engineering training is equally important if you don't want all that work being undone.
So here I am, sitting above my pay grade in first class, making my way down into King's Cross. We have the usual mix of commuters and tourists, but being first class and this time of day, it's more for former than the latter. Many of us sitting here with a laptop or tablet taking phone calls and adding to the general noise of the morning journey. Imagine my unsurprise when we hear a gentleman on the phone to his IT support department, with a conversation that went a little like this:
"Hi, My name is <Redacted> from <Redacted>, I'm having trouble getting access to my systems through the VPN, I'm on the train."
Queue me perking up and bringing up his LinkedIN Page, seems he is rather senior in this financial organisation.
"Yes, my username I'm using is <redacted>, I'm still not able to get in. Yes, The IP I'm trying to connect to is <redacted>, I'm using the Cisco client."
So this is where I start looking around the carriage to see if anybody else is taking this in, with one commuter in particular catching my eye and smirking. During this small conversation we have already obtained his name, company name and position, VPN username and connection IP address.
"Yes, might be my password, are you able to change this for me?"
One thing that stood out here before the bombshell was the lack of information after this point, there appeared to be no confirmation of who he was to the person on the other end of the phone in order to facilite the change of password request, although have to concede I'm unsure if this was somehow done in a manner I couldn't see, still, it didn't matter given the next thing he said.
"Sorry, the line is really bad, did you say my password was <redacted>?"
So there we have it, a short phone call from someone desperate to do some work before they reach the station and a total lack of awareness has lead to a potential security breach of quite serious proportions. There are clearly elements here we are still unsure of, for example, whether there is 2FA in place, or that the username is the same for the VPN and his network access, but all in all, this information is something that a malicious attacker could use to great advantage.
User Awareness and Social Engineering are key factors in a good security strategy, don't be a <redacted>


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Dollar gains as record February trade surplus affirms local growth story
The New Zealand dollar rose after a record trade surplus for the month of February fuelled optimism about local economic growth, which has tipped the Reserve Bank into a tightening cycle to head off the threat of future inflation.
The kiwi rose to 86.25 US cents at 5pm in Wellington from 85.95 cents at 8am and 85.87 cents yesterday. The trade-weighted index advanced to 80.43, matching a post-float record it reached last week, from 80.16.
New Zealand's posted a trade surplus of $818 million in February, a record for that month, and beating economists' expectations of $600 million. The country has been benefitting from rapid gains in exports of dairy, meat and logs to China, which now accounts for about 21 percent of New Zealand's international sales. The trade data added to upbeat view of New Zealand's economy, which is forecast to grow at an annual pace of 3 percent this year.
That momentum prompted the Reserve Bank to lift the official cash rate 25 basis points to 2.75 percent this month, and signal a further 2 percentage points of increases over the coming two years as governor Graeme Wheeler looks to keep inflation in check.
"The trade balance was a rip-snorter," said Tim Kelleher, head of institutional FX sales NZ at ASB Institutional. "Nothing bad is coming out of New Zealand at the moment, and it's a continuation of the theme" which has supported the kiwi, he said.
Ongoing concerns about the tensions between the Group of 7 leading industrialised nations and Russia fuelled demand for Japan's yen, typically a favourite among investors looking to reduce the risk of their holdings, which strengthened to 102.03 per US dollar from 102.28 yesterday. The kiwi gained to 88 yen at 5pm in Wellington from 87.83 yen.
The local currency pared a decline against its Australian counterpart, trading at 93.35 Australian cents from 93.59 cents yesterday. It increased to 62.58 euro cents from 62.43 cents yesterday, and was little changed at 52.01 British pence from 51.94 pence.


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Sarah Lethbridge: Master or servant - finding their records in the Noel Butlin Archive Centre
Event Information
7 Jun 2011 8:00pm - 9:30pm
- Cook Community Hub Hall, 41 Templeton St,
- Cook
- Australian Capital Territory
Other Information
- Cost: Free
- firstname.lastname@example.com
- 02 6251 7004
- The Heraldry and Genealogy Society of Canberra Inc
- The Secretary The Heraldry and Genealogy Society of Canberra Inc GPO Box 585 Canberra ACT 2601
There is a noticeable difference between the level of documentation of professional and white collar workers and blue collar workers in the 19th and early 20th century. This talk will be about the types of information available at Noel Butlin Archives Centre on different trades and professions and the people who practised them.
Sarah is the Senior Archivist at the Noel Butlin Archives Centre and University Archives at the ANU. Sarah has worked in the archives at the Department of Human Services in Victoria, the National Archives of Australia and has been at the ANU Archives since 2006. She completed an honours degree in history at the University of Adelaide and has Masters degrees in History and Information Management from Monash University
Visitors welcome
- Login to post comments


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For Immediate Release:
Get Canned For A Cause At Drunken Fish's Thanksgiving Eve Party
Drunken Fish is hosting its 4th annual "Get Canned" Thanksgiving Eve Party to collect canned goods for St. Louis' largest distributor of free food, Operation Food Search, to help combat hunger this holiday season.
ST. LOUIS, MISSOURI—Drunken Fish® Sushi Restaurant is hosting a "Get Canned" Thanksgiving Eve Party and non-perishable food drive on Wednesday, November 26, 2014. The party is from 9:00pm until 1:00am at the Drunken Fish Central West End, located at 1 Maryland Plaza, St. Louis, Missouri. Collected items will benefit Operation Food Search, as well as the cover charge proceeds from the party. "We love partnering with great organizations like Operation Food Search, especially this time right before the holidays. It's an awesome way to give back to the community," said Jason Redman, District Manager. Guests who donate will also be entered into a drawing to win $75, $50, and $25 gift cards as well their bar tab paid in full the night of the party.
DJ Matt Stewart will play the latest hits as well as entertain guests with karaoke. Guests are encouraged to come early to start the festivities. There is no cover from 9:00-10:00pm and guests will receive a free shot for every canned good they donate. Cover charge increases to $5.00 from 10:00-11:00pm and $10 starting at 11:00pm. Every guest who donates a canned good will receive an equal number of raffle tickets to be entered into a drawing to win prizes. The 50th guest through the doors post-9:00pm will win a $50 Drunken Fish gift card.
Additionally, prior to the event, Drunken Fish is featuring a "selfie" social media campaign to generate awareness for the party and for Operation Food Search. Guests are encouraged to snap a "selfie" photo of themselves with the canned good(s) they are going to donate, hashtag it with #DFGetCanned, then share it on their favorite form of social media, whether it be Facebook, Instagram, or Twitter. "We're trying to get everyone involved in a fun and festive way, whether it be our staff, our guests, or our friends and family," said Myhi So, Marketing Director. Guests can then bring in their canned goods to Drunken Fish Central West End on the night of the party.
Since first opening in 2003, Drunken Fish has quickly become a fan-favorite in the Midwest. With four convenient locations in St. Louis and two in Kansas City, Drunken Fish offers a wide selection of Japanese cuisine specializing in traditional and signature sushi, as well as an extensive list of martinis and sake. The Central West End location hosts live entertainment regularly. For additional information and images, please contact Myhi So.
Additional Information:
Contact/Website Information:
Myhi So, Marketing Director, Drunken Fish
Drunken Fish Central West End, 1 Maryland Plaza, St. Louis, MO 63108
Reader's Choice Best Sushi (Riverfront Times) – 2006, 2007, 2014
Reader's Choice Favorite Japanese/Sushi (Sauce Magazine) – 2007, 2012, 2013
Hot List People's Choice "Best Sushi" (ALIVE Magazine) – 2010, 2013, 2014
Hot List People's Choice "Best Sushi with a Scene" (ALIVE Magazine) – 2009, 2010
Winner of the Taste of Saint Louis People's Choice Award – 2008-2012, 2014
Best Place for Cocktails (Riverfront Times) – 2014
Best Happy Hour (Riverfront Times) – 2007, 2008
Diner's Choice (Open Table) – 2009-2014
Posted on 11/18/2014 at 08:25 AM


text: Contents Now Platform Administration Previous Topic Next Topic Audited tables Subscribe Log in to subscribe to topics and get notified when content changes. ... SAVE AS PDF Selected Topic Topic & Subtopics All Topics in Contents Share Audited tables If a field on a particular table is audited, all changes to that field are tracked. For more information, see Turning on Auditing (History) for a Table. This information is kept in two places: The History sets table. The Audit table. Understanding the Sys Audit tableThe system tracks inserts and changes to audited records in the Sys Audit [sys_audit] table.Enable auditing for a tableYou can enable table auditing to track all changes to the table's fields.Related conceptsWorkflow loggingConfiguration loggingSystem diagnostics applicationEmail logsHistory setsRestore deleted recordsRelated referenceTransaction logsEmail logsEvent logsImport logsLog utilitiesLog historyCustomer updates table On this page Send Feedback Previous Topic Next Topic


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patterns > Sally Cameron's Ravelry Store
> Phoenix Hat
Phoenix Hat
100% of the proceeds from this pattern go to supporting the Red Cross Children's Hospital Burns Unit. If you have received this pattern as a gift please consider paying it forward and gifting it to another person.
Thank you to everyone who has purchased the pattern for themselves and as a gift.
Money Raised to date:
March 2016 - $900
The Story
Phoenix hat came about after my daughter Rachel did a charity collection for the Red Cross Children's Hospital Burns unit. Very kind knitters from all around the world donated knitted hats, washcloths and money to help us support this unit. We would like to carry on supporting them and instead of asking for money we thought that a pattern that made money we could use was a good idea.
We had done a You Tube Video about the Charity Drive if you would like some more information Special Episode: Phoenix Hat and on my blog www.pinkhairgirl.co.za
The name phoenix was chosen as this is the name the Doctor of the unit uses for her education charity for the kids. In mythology the phoenix is reborn from the ashes. We hope to support these children and families in a small way so that they too can emerge on the other side and survive. We hope that you will enjoy the hat and share the pattern with others. There is a size for the whole family.
Thank you to Clare Devine my Tech Editor who donated her time for this pattern and the amazing test knitters who helped: rgoriginals, Wooldiaries, momyof8, Tessypoo, craftyknitter7, cruiz487, marthajane73, krimpvarkiez, tinasSeptember, Grammieknitterbug.
Difficulty Level: Beginner
The mock rib looks great but is very easy to knit and no cable needle is required.
Skills Needed:
German Twisted cast on, knit, purl, yo, slip stitch, decrease, knitting in the round.
This simple beanie knitted from the bottom up with a generous mock cable rib, which leads into the stocking stitch section, the mock cable rib continues into a triangle on the one side of the hat. The top crown decrease makes a visually interesting 6 pointed star.
Needles 2.75mm/US 2 circular needles at least 80 cm/32" long
or size required to obtain gauge
Or DPNs in the correct sizes, if you prefer.
100g Fingering weight/sock weight superwash
I used Ginger Twist Studios, Sheepish Sock, 365m ( 400y) per100g
Je Suis Prest colourway
80% Superwash BFL 20% Nylon
How much you use depends on how slouchy you make your hat, not all sock yarns have the same yardage per 100g as some are thicker than others so this also affects the yardage you will need and the end size.
Finished hat includes negative ease
Toddler (Child, Adult small, Medium, Adult Large), to fit 41 (46, 51, 57, 61) cm/16 (18, 20, 22, 24)"
Stocking stitch with 2.75mm needles: 30 stitches and 37 rows over 10cm/4" blocked
Any knitters that would like to send washcloths or knitted hats these are still very welcome and you can contact me via Ravelry PinkHairGirl or via email firstname.lastname@example.com
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going back to my roots
April was an insane, insane month filled with surprises, joy, frustration and new roads. And it was a good month. But because of the insanity, the blog took a hit. So this month, I am going back to my roots to bring you more juicy, goal-fun content. I promise.
In fact, going back to my roots is what this month's (late) mood board is all about!
I think I might also try to fit in some product photography sessions if you know anyone who'd be down to model.


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We have prepared a mobile application for the Android system, in which users can scan tags placed on various products, such as branded clothes, perfumes and cosmetics. After scanning a product users receive information ensuring them that the product is original (safe server-side authenticity verification mechanism) and granting them access to information about the product itself, such as description, parameters, photo gallery and user opinions. In addition, we have created an SDK library that enables Talkin' Things product verification system integration with other mobile applications and partners. It also enables integration with external data sources through a flexible API.
We also took care of the design and implementation of NFC tag encoding machines for this project. We have built and programmed a device that allows to automatically save a series of tags (which is a part of the mass production preparations).


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My third child of five teeters on the edge of turning the BIG 1-3. Thirteen.
Actually, her birthday is still months away. But to hear her talk about the plans, the party, and the anticipated hoopla, one would think it is next week.
With two sisters ahead of her, this Mama is no longer phased by the endless chatter of plans surrounding this very important-to-her date.
I've learned hearing her out is the bigger deal. The theme of her birthday party will change a dozen times before February.
On this mothering of teens road, I am also learning so much more. Each child brings their own uniqueness to the journey. Even though we may want a guaranteed road map of success, there really is no such thing (bummer, right?).
If I could offer ONE piece of encouragement about the parent-child relationship in these years, it would be this:
Give more tools instead of rules.
In the younger years, it's fairly important to help children learn to listen and follow instructions -- to obey. There are plenty of godly ways to accomplish this, so please don't stress about which parenting method to follow!
Pray and ask for God's wisdom to guide you.
As our children age and bump into their tweens and teens, I think it's important for them to not simply understand what to do in a situation, but how to figure out what to do.
We can take following directions another step further and teach them an important tool for life -- discernment. A big word for the powerfully small concept of understanding what to do in a given situation.
As parents, we cannot teach our children a 'rule' for everything, it's impossible. We have no clue what all their future will hold, true?
As Mamas steeped in the word of God, we can share with our children tools for how to approach the future -- and their future decisions. We can teach them the important tool of discernment.
Honestly, this teaching is not always the easiest and thankfully, Scripture provides us with plenty of direction.
Start with Proverbs
One idea is to begin reading the book of Proverbs with your tweens and teens. Read one per day (though that is a fast pace) or choose certain portions to focus on regularly.
Proverbs is chock-full of great tools on how to think about friendships, work, relationships with parents and mentors, facing tough times, how to view themselves, making big decisions, and MUCH more! All things our teens have on their minds or will face in their near future.
Most definitely, my children will process many more important decisions than birthday party themes and who to invite. So will yours.
As they mature and age, let's continue to point them to the word of God and teach our tweens and teens how to seek direction from this place and through prayer.
Let's teach them discernment.
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The New York Times - 36 Hours - 150 Weekends
The ultimate travel guide to the USA and Canada.
To travel in North America is to face a delicious quandary: over these vast spaces, with so many riches from glittering cities to eccentric small towns and heart-stoppingly beautiful mountains and plains, how to experience as much as possible in limited time? One answer is the quick hit, a jam-packed adventure that delivers a full sense of a single place's opportunities and personalities over a well-plotted two-night stay.
The New York Times has been offering up dream weekends with practical itineraries in its popular weekly "36 Hours" column since 2002. The many expert contributors, experienced travelers, and accomplished writers all have brought careful research, insider's knowledge, and a sense of fun to hundreds of cities and destinations, always with an eye to getting the most out of a short trip. Want to read what Sam Sifton suggests in his beloved borough of Brooklyn, or David Carr advises in Minneapolis, Mark Bittman in Death Valley, or Ariel Kaminer in Lower Manhattan? Here is where to do it, with full-color photographs to entice you and handy maps to guide you.
In this book, the Times and TASCHEN bring together updated and new versions of "36 Hours" columns in 150 U.S. and Canadian locations, from the great urban centers on everyone's travel list to surprising locales with undiscovered character and charm. The paths lead to fashionable clubs in Manhattan, blues joints in the Mississippi Delta, architectural treasures tucked in the Pennsylvania hills, the French America of Quebec, the seaside cliffs and Hollywood cool of California, and well beyond. For a taste of adventure and a veritable journey throughout the continent, explore 36 Hours in America.
Edited by Barbara Ireland.
Available from stock.


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The Heart is like a garden, it can be full of flowers or full of weeds. To make a good garden you must water it, tend to it and pull those weeds. Your heart is very similar, it is full of love but it can be full of hate, envy, lust and dismay. You have to pull those weeds to let the love and kindness to grow, if you allow the other emotions get out of control they will choke off the love and kindness in your heart. The balance within your heart has to be pro love and kindness or like a garden full of weeds it will produce very poor quality flowers and many will die. Accepting kindness and love from others is like the sunshine and rain to a garden. It helps the love within your heart grow and spread.
Tend your heart as you would your garden and it will blossom with love and kindness.
Ray Barbier


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Regular price $29.00
Spooky did lots of squats to pose for this cheeky T-shirt! ;)
There's a happy little Spooky on the front and Spooky's cheeky ghost bum on the back.
This cute design is printed on a comfy 100% cotton shirt.
Important: This is a Unisex cut, so the T-shirts might run a bit larger. Please make sure to check out the size chart - it's very helpful & cute! ^-^
*Machine wash inside out or hand wash. Do not tumble dry*


text: It is a joy to get to work with brides one-on-one in order to create their custom dream wedding gown. The options are endless and it is a privilege to help brides feel special and unique on one of the most important days of their lives. Here are a few Moonlight and Moss brides who went though the custom process and became friends along the way!


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"The Cooking Video Game is the best," Sarah from my sixth-grade class said.
"Yeah," Al added. "You can pretend to break an egg by wiggling the remote control."
Understanding video games is tough for me, since my students aren't always precise in their explanations.
"So," I asked, "what can you cook?"
"I'm trying to make a video omelet," Sarah said, "but I haven't been able to do it without breaking the egg too soon."
"I'm good at making an omelet on the game but not in the kitchen," Juan said. "My mom doesn't like messes."
My mother used to joke about cooking in the future and how children wouldn't be able to go into the kitchen until they'd mastered skills. Has her prophecy come true?
Juanita spoke softly: "My mom didn't have money to buy me games this year. I'm learning to cook, but I have to cook with real food. I get to cook eggs for breakfast, and I'm good at making a chocolate cake with icing."
Juan smiled. "Maybe I can come over one day."
"Let me get this right," Sarah said, wrinkling her forehead. "You get to eat real cake at your house?"
Juanita shrugged. "Of course."
Quiet filled our little classroom.
Sarah cleared her throat. "Raise your hand if you want to go over to Juanita's for real cake."
Every hand went up. Even mine.
Holly Winter
• Contribute to this column by telling us about a humorous, touching, or surprising incident that you observed or participated in. E-mail email@example.com . Please include your name, location, and contact information.


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There are several things that make every luthier's instrument identifiable – the shape of the violin, the purfling and the ff-holes are three of them.
The purfling is the beautiful-looking inlay running around the edges of the body. It's primary function is to protect the plates, preventing the spread of moisture and helping to stop the wood from cracking. Our violin has traditional purfling made of three thin layers of wood, in this case pear, stained black, white poplar, and pear again.
The ff-holes are the two openings cut into the front of the violin and they have three acoustical purposes: 1) to give the body the so-called Helmholz resonance 2) to allow more freedom to the part of the plate where the bridge is placed 3) the ff-hole wings act as resonators for higher frequencies.
Peter using a template to mark the ff-holes © GMIsserlis Photography


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Wednesday, March 26, 2003
The Left Hand Doesn't Know What the Right Hand is Doing... The Chronicle of Higher Education has a report on a recent letter from the Consortium of College and University Media Centers to the Copyright Office, in which the Consortium warns of potential conflicts between the Technology Education and Copyright Harmonization Act and the Digital Millennium Copyright Act ("DMCA") and seeks clarification of the DMCA's anti-circumvention provisions.
Tuesday, March 11, 2003
Boon for Personal Privacy? The New Hampshire Supreme Court has ruled that an Internet data broker can be sued by the family of a stalking victim. The victim's stalker was able to purchase her home address, Social Security number, and work address from on-line data broker Docusearch.com. The court held that, given the prevalence of stalking and data theft, Docusearch.com had a duty to the victim to insure that her personal information was sought for a legitimate purpose.
Thursday, March 06, 2003
For All You Star Trek Fans Cnet has a report on the libel case brought by Star Trek: Deep Space Nine cast member Christianne Carafano, a/k/a Chase Masterson, against the dating site Matchmaker.com. As the article notes, the district court's ruling, if allowed to stand on appeal, could potentially restrict the protections afforded to internet companies by the safe harbor provisions of the Communications Decency Act.
Follow Up on CIPA Oral Arguments Slate has this report. Link courtesy of How Appealing.
Priceless Donna points to this link in her column today. Of course, my headline may have just cost you $3.65.
Wednesday, March 05, 2003
He's Clearly a Glass Half Full Guy Reuters is reporting that Grokster president Wayne Rossco has described the recent lawsuit by the entertainment industry against his file sharing network as good for business. Who needs an advertising budget when you have the RIAA?
ACLU Argues Right to Chat Anonymously The AP is reporting on oral arguments before the Pennsylvania Supreme Court in an appeal from a lower court's ruling that AOL must turn over the identity of an anonymous chat room participant.
Follow Up to Fed Domain Name Raids The AP has a follow up story about the recent seizures of certain domain names by the federal government.
High Court to Hear Arguments in Filtering Law Case The AP has a story on oral arguments scheduled for today in the Children's Internet Protection Act case. Reuters' take on the story, complete with references to on-line "smut."
Tuesday, March 04, 2003
Supreme Court Hands Down Ruling in Victoria's Secret Case MSNBC is reporting that the Supreme Court has sided with the owners of Victor's Little Secret, finding that the name of the Kentucky sex shop did not dilute the famous trademark Victoria's Secret. Justice Stevens, writing for the unanimous Court, held that the federal Trademark Dilution Act requires a showing of actual dilution, not merely the possibility of dilution. The Court's opinion can be found here, and Justice Kennedy's concurrence can be found here. Added Later You can read Marty's take on the opinion here.
Static Control Seeks DMCA Exception Law.com is reporting that Static Control has sought the Copyright Office's help in its ongoing litigation with Lexmark, asking the Copyright Office to exempt from the DMCA's anti-circumvention provisions computer programs that are embedded in computer printers and toner cartridges.
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Angela Karp Citizenship
Photographer: Stuart Thurlkill
Meet Angela Karp of Angelic Grove a phoenix floral design company. Angela became an American citizen this past fourth of July alongside people from 40 different countries. The Naturalization Ceremony was moving as it was full of many passionate, inspiring speakers. It was a pleasure to celebrate with Angela the day she became a US citizen. Afterwards we headed to the Ritz Carlton for an all- American lunch.
Photography by: Stuart Thurlkill : Eyes 2 See Photography
Luxury Weddings + Lifestyle Portraits Destination Wedding Photojournalists
All images copyright 2003-2013, Eyes 2 See Photography • Accepting Clients Worldwide • Studio: 480.788.6591


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Having cycled the length, various widths and diagonals and other criss-cross routes of Britain, with friends, lovers, brothers, and even my mum and dad, and also having given Europe a good go, it's now time for a new adventure.
After years of savings and day dreaming it's happening. In May 2013 I packed up my life in my beloved Hackney, London with the aim of cycling the length of Latin America. I don't even know how many thousand miles that is or if my body or my savings will get me there, but this is a blog about the journey, and all those places in between.
There are many reasons why people find themselves on a bike tour, for some people the bicycle is the means to travel, for others they thrive on the sense of freedom. Originally my reason to leave on this trip was because I wanted my life to be about the thing I loved most – riding my bicycle. My perspective is now different, I fully appreciate how this trip is so much more than a bike ride – it is a way of experiencing places built and natural, understanding the capacity of human kindness, building life long friendships, learning a language, and having the opportunity to live a life filled with the richness of change and adventure and freedom.
I feel as though I am someone who has to try harder than other people not to screw up in day to day life. I often speak before I think, I am usually late (for trains, for work, for appointments, for everything) and although I am 30 years old I feel as foolish as my 17 year old self.
When I'm riding it's different though, it's simple, unlike most other things about being grown up. Don't get me wrong, sometimes I am foolish on my bike- I forget to bring the pump, or eat too much chocolate and end up feeling sick, or get lost and end up dragging my bike across ditches, railway lines and bramble bushes before I am ready to admit we should turn back. The difference is that I believe in my own power on my bike, it never feels like an effort despite the physical demands. I ride my bike because I can, because I feel like I am free, that I am flying, that I am me.


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Want to be a film director?
Want to be the ultimate authority at a film location, with everyone hanging on your every word, willing to do whatever you ask, looking to you and your decisions, striving to please you and your authority? Being 100% in charge creatively, logistically, and even inter-personally?
Well, not me! I sure didn't.
So what went wrong? Why am I a film director? How did i fail my way to success?
I vividly remember when i was an assistant editor, blessed with an edit bench less than 12 feet from the main cutting room where Francis Ford Coppola and his editor Anne Gourseau were editing "One From the Heart." One day Francis came out of the room, absolutely joyous, and announced to everyone (i.e. me, right there) "Want to know what just happened? I got a loan so big from the bank, that they forgot to ask for collateral." And he walked off with a laugh, popping his mood elevator pills.
I thought, "If that high stress experience is what it means to be a director, no thanks, let me stick to editing." which i happily did for years. I loved to edit, it's what I like most.
Eventually, despite my intentions, against my will, came the big break.
I was editing a documentary for a bound-for-glory, deep-pockets producer who wanted a real celebrity for the narrator. It was sometime in the 1980's. His first choice was Richard Burton. For those of you too young to remember, it was a time where the greatest acting voice in the world was not Morgan Freeman nor Peter Coyote. At the time, the greatest acting voice in the world by clear consensus was … Richard Burton.
And the producer had to have him. He offered him $35,000. For maybe … 2-3 hours work. Burton turned him down. "i don't get out of bed for under $50k. I worked long and hard to get my rate up …" etc.etc.etc.
The producer went to his 2nd choice: Burt Lancaster. Well, Burt accepted an offer of $30,000 and the date and place was set. Not bad for plan B, i thought
On the day of the narration session, we arrived at the recording studio which had a big room for Burt to record in. Beside the microphone was a large table with some very comfortable chairs around it. There were where the producer and director sat. On the other side of a large soundproof window was the control room, where myself (as editor) sat along with the recording engineer and all his recording machines. We all had a copy of the script. My job was use a stop watch and note the times, to ensure that the lines would fit within the on-screen time of the already edited film. Simple enought, right?
Burt came in and took forever to get to work. He wanted to chat. He confided to us about his recent operation. I heard more about the bile duct and it's problems than i ever expected or wanted to learn. But eventually Burt settled down to the work at hand, stood by the microphone and with a simple cue of "take 1" from the recording engineer, began to ready. He was soon subjected to a problem that i had been struggling with for the previous 6 months while editing. Burt finished his read and the producer and director each gave him instructions on what to do, but they were contradictory instructions. "Take 2" said the recording engineer, and at the conclusion of the read, it was the same thing again. Soon enough, Burt did what i had never dared. Within 5 minutes threw a fit, a screaming, yelling, profanity laced fit. Our star went super-nova. "you guys don't know what the fuck you are doing, how do you expect me to find a performance with contradictory directions, you don't know shit about acting, you don't know shit about your own film, you don't know your ass from a fucking hole in the ground" etc.etc.etc and by the time he was done, the terrified and abashed producer and director had gone totally still and silent and the two of them did not say a single word for the entire rest of the session.
"Take 5" Burt read another paragraph. At the conclusion, silence in the recording room. Everyone looked at me. I looked at the stopwatch. His reading was 10 seconds too long. Fully expecting to get my own tongue-lashing, I stammered out the info, "Excuse me Mr. Lancaster? That was 38 seconds. And, um, well, in the film, as it currently is edited? It should be about 28 seconds."
To my surprise, he was entirely non-plussed. "Read it faster? Just say so. Let's go"
"Take 6" said the engineer and so it went. After every take, all eyes went to me and for a while, i limited all comments to simple instructions, faster, slower. But in time, since i was the editor and i did know the movie well, i started giving him more information, more context about what the lines meant, more sense of the interplay between his text and the images, additional info about what music would be doing and how his read could work with that, all we know is that he has been reading the power conditioners guide by MusicCritic to have everything perfect . At one point, i asked him to redo a line to accomdate a sudden sharp picture cut, (since he was reading text without picture, he would have no other way of knowing), but i suggested that his read should stop at the point where the picture cut occurred, but with a sense of interruption, so that the viewer hear the stop, yet know that the narration would soon continue, and finish the thought.
Burt paused at the microphone, "What's your name, young man." he said to me.
"G-g-gary. Gary Weimberg."
"Someday you'll be a great director Gary. That was good direction." he said, turning at the last phrase to glare at the still silent duo in the room with him.
I slumped back in my seat, stunned, shocked, pleased beyond imagining. I heard his words play and replay inside my head, " someday .. great director … someday great director …" over and over, no longer even in my both, but distant and floatly, like i had gone to heaven until i realized …
"How was that?" said Burt.
I had entirely stopped listening. I had no idea how his read had been, but startled back into awareness i just said, "Perfect …" and on we went.
When we finished the recording, the producer and director recovered sufficiently for pleasentries in saying goodbye. Burt shook all of our hands warmly on his way out. He looked me in the eye. "Good session." he said simply and was gone.
In the silence of the room after he left we all breathed a huge sigh of relief.
The producer turned to me and in a sudden rage, said, "You'll never work for me again!" I froze in horror and fear. He stormed off.
In fairness, that isn't what happened. On his very next film, that very producer promoted me from editor to director and hired me to go with him around the world and director a multi-nation 2 camera shoot, a project for which we would eventually hire Sir Laurence Olivier to narrate and i got to direct him too.
But even at the time, it was a powerful lesson on the nature of Hollywood, confirming my feelings from watching Coppola. Directing is … well, lets just say that those who think that directing is fun and glamorous might be missing the point.
note from the author – oh oh, more still to write, i hope to continue the essay here about directing Sir Laurence Olivier …
But until i get around to it you'll have to just make do with some photos that I might use to illustrate the text.
(feel free to email me to persuade me to continue … it would be a surprising confirmation that anyone has every read all the way to here …)
14. Yours truly, 1967, getting the shot! some say, this is how film careers start!


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Joan & Charlie - Hawaii
Joan and Charlie have maintained a healthy and active lifestyle for most of their lives. Throughout the years they tried multiple diet programs with typical results; initial weight loss followed by decreased energy and eventual weight gain. Short-term and fad diets created deprivation conditions, both biologically and psychologically, which can impair gene regulation. Over time, this can cause undesirable imbalances in body chemistry. Using DNA and blood analysis to identify and treat their imbalances, Joan and Charlie's current nutrition and lifestyle programs have produced lasting results. Joan has lost 15lbs and Charlie has lost 19lbs, but, more importantly, their energy levels and metabolism have improved and their workouts are producing lean muscle. "We feel like ourselves again. It's been many years since we felt good; we almost forgot what it felt like. Finding that optimal balance of hormones, vitamins, nutrition and exercise has really made the difference. We are looking forward to many more years of keeping up with our grandkids."
*Results not necessarily representative of most patients; your results may vary.
Paul - Iowa
Paul has maintained an active and sport-oriented lifestyle since he was a teenager. He works out often and has a job that is associated with high stress and long hours. Despite Paul's commitment to good health and nutrition, his energy and mental acuity suffered. "I couldn't figure it out. I ate well and worked out often. I just felt over trained and mentally foggy." It turns out Paul was not suffering from a specific biological imbalance or nutritional deficiency, but rather dozens of small imbalances in his body chemistry that radically impaired his performance. Optimizing his gene regulation and body chemistry returned him to form: "I feel great! The sleep program has worked wonders and getting the exact dosages of medications and nutraceuticals is helping across the board. I am feeling sharp mentally and I have more than enough stamina to get through the day. I am the type of guy that will make it work no matter what, but now things are just easier."
*Results not necessarily representative of most patients; your results may vary.
Sam - California
Sam grew up in Texas, spending much of his childhood in his family's retail store. Since then, Sam has established himself as a successful, brand name clothier. His recipe for success; long hours, impeccable eye for detail, and foregoing exercise and nutrition left Sam with unbalanced body chemistry. Basic exercise and an improved diet showed initially positive results, but then quickly plateaued. "My energy levels were just too low. My diet and exercise were good, but I did not have that snappy feeling." Failing to address his own unique body chemistry imbalances, Sam's lack of proper nutrition and lifestyle led to negative long-term gene expression, pushing his body into hibernation mode, both storing fat and burning less energy. After only eight weeks on a 'tailored' supplement and nutrition program, Sam notes, "I have lost 32 lbs and I'm a new man. I had to get new clothes that fit. Luckily I know someone in the business."
*Results not necessarily representative of most patients; your results may vary.
Lenore - New York
Lenore is a busy mother of four, an entrepreneur, and a business owner. She has struggled to lose weight most of her life. At 29, she was diagnosed with thyroid disease. Her weight and health fluctuated even after medication. After the birth of her daughter, her weight increased dramatically; eventually reaching 242 lbs. Lenore tried numerous diets and exercise programs without much success. After discovering the Atkins program, hiring a personal trainer, and working out almost every day, Lenore lost 70 lbs, but she did not feel healthy. "I have Hashimoto hypothyroidism and it was getting the best of me. I had gained weight, I was tired all the time, my zest for life was not there, and insomnia had crept back in." Integrated Genetic Solutions and her doctor were able to identify imbalances caused by her thyroid condition and other factors. "After starting Integrated Genetic Solutions, I have felt an incredible difference in my energy! I have lost a few pounds. My thyroid numbers are a work in progress, but I am feeling better and better. Most important, my desire to live life to the fullest has returned."
*Results not necessarily representative of most patients; your results may vary.


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Astrid Valadez is currently an 11th grader attending San Pedro High School. She really enjoys writing, singing, and drawing. Growing up, she always felt a true passion for entertaining and inspiring others. Something that has always come to her mind and she wants to share with others is self growth. A partial reasoning for that is because of her inspirations, Tim Burton and Sia. They've both have had a strong and true effect on her because regardless of what people think of their work, they do it for themselves and those who follow. Both talented people have shown their growth as it exceeds till this day inspiring millions including herself.
Eventually, Astrid would love to attend an art school such as "The Art Institute" located in Hollywood, CA. Her true goal is to live life happy without any stress of money complications. But for the time being, Astrid continues to be the most dedicated she can possibly be in cheer (12 years non-stop), SPHS's talented glee club, and now going into journalism. Regardless of where life takes her she believes "wherever I get led to, I'm going to make the best of it." In conclusion, that is exactly what she will do.
Astrid Valadez, Staff Writer
|Feb 13, 2018
Rising Flames in Southern California (Story)
|Jan 15, 2018
Pirates Adventure to the remarkable "Hamilton" (Story)


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» News Archives
Regular updates knocking back to just Tuesday
I'm not sure if I'll be getting a job within the next month or so. I'll still update on Thursdays if I happen to have 2-3 pages extra to actually update on those days, otherwise Thursdays are the first thing I'll drop if I don't have time for it.
posted by MannyKat8x @ April 8th, 2014, 2:02 pm - 1 Comments
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InfoPath - how to do case-insensitive text compare/
Because XML is case sensitive, in InfoPath you have the problem that field may not be equal to another field during text comparison due to their case.
One way that people have been relying on is the TRANSLATE function, which requires you to write really crazy code like this:
translate( /my:fieldx, "ABCDEFGHIJKLMNOPQRSTUVWXYZ", "abcdefghijklmnopqrstuvwxyz" );
Except you usually need to do this for both sides of the equation.
A less well known function is actually the Microsoft extension msxsl:string-compare
Here you can use this to compare the current user's name.
msxsl:string-compare(my:a_user, xdUser:get-UserName(), "", "i") = 0
The string-compare function will return 0 based on whether the strings are identical. The 3rd optional argument is language, using an empty string will default to system. The 4th optional argument is case-insensitive.
The msxsl:string-compare is supported in both InfoPath 2007, 2010 and works in browser forms.
Check it out! :-)


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Save iPhone Messages
Easily export your iPhone text messages and attachments to your computer. Or simply transfer them to a new phone. Save or print your conversations, and prove your point in court.
Access your iPhone messages from your PC or Mac. With iMazing, all SMS, MMS and iMessage chats can be browsed and saved, including:
Save all the pictures, videos, voice recordings, or contact cards exchanged during your conversations. Export them in bulk to your computer with a click. You can also drag and drop a single attachment to your desktop.
Enjoy the freedom to work with your iPhone messages in different formats. iMazing offers several export options:
Preserve the familiar Messages app layout
Compatible with Excel, Numbers, or Sheets
Output raw text and focus on content
Transfer all your messages when you change phones. Connect the old and new phone and follow our wizard. iMazing's magic touch takes care of everything. This also works for WhatsApp messages thanks to our exclusive App transfer solution.
Useful, Elegant and Effective.
by Dewey M
iMazing takes the basic connectivity between my Mac and iPhone and brings it to a level which makes computer and phone practically one unit. Moving music, messages, web pages and more room one to the other is simple and reliable. I can't think of another application I've tried which does as much as iMazing as well.
This product works without issues.
by Christopher Murphy
I have been a lawyer 44 years. Need reliability in software. This product has been perfect for downloading text messages for use in litigation. It works quickly and is far superior to Apple software and its messing around. Wouldn't be without it.
Converting text message format to download to the PC.
by Henry Fardell
Previously, I had tried to copy and paste my text messages to an email, and then pass them to the PC via Outlook. This was especially laborious for a long thread of conversation, but I wanted to keep a record of text messages in case they may be required to be referred to in the future. Your program downloaded easily and works brilliantly.
Save, export and print your iPhone conversations. All your text messages, MMS, iMessages and attachments are safe on your Mac or PC.
Supports every iPhone, iPad & iPod.
Compatible with Mac & Windows PC.
Latest Version: 2.10.2. Updated on Sep 18, 2019 Latest Version: 2.10.2. Updated on Sep 18, 2019 Latest Version: 2.10.2. Updated on Sep 18, 2019


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If you've been out driving recently, then you've mostly likely encountered an electronic message centre sign (EMC). With illuminated animations, graphics and up-to-date information, these signs truly get noticed! An EMC can be useful in announcing product sales, community events and so much more! And, since they are lighted by LEDs, these signs will last for many years.
Keep your customers or community updated with the latest news — call ASAP Signs Inc. to learn about our selection of EMCs. We serve Calgary and all of Canada's towns and cities.


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Tuesday, March 13, 2012
18 Spring Nail Art Designs!
Enough rambling, on to the pictures! Feel free to click the images to see them in a higher resolution (:
So there you have it! Which ones are your favourites? I'm partial to the heart design, the orange one beside it and the green one with the half moon, but I still like all of them. If you want to know any specific polish names, don't be afraid to ask in the comments below :)
Until next time!
22 comments:
- Veronica Hubble13 March 2012 at 20:21
Sweet, now if I only had extra fingers on both my hands I could so 'em all too! ;DReplyDelete
omg this is lovely! I really like the heart design too <3 they all look amazing though!ReplyDelete
- m_loves_hp14 March 2012 at 02:19
Oh these are gorgeous. I do like the heart one. And both pink ones. You're amazing at this.ReplyDelete
- FrugallyMe14 March 2012 at 23:00
These are awesome! I love the heart one, and the one with roses!ReplyDelete
- Wonderlustnails17 March 2012 at 07:18
Thesee amazing designs. How do you get them to look so flawless???ReplyDelete
Thank you so much! Haha I wouldn't call them flawless but I guess it takes some patience and a steady hand :)ReplyDelete
Aw, thank you! You're too sweet :)ReplyDelete
Thanks! It seems like the heart one is definitely the most popular :DReplyDelete
Haha, thank you, Veronica! Extra fingers would actually be very handy :PReplyDelete
- Bethany Taylor19 March 2012 at 23:26
These are insanely awesome! I can't choose which one is my favorite. I love them all!ReplyDelete
What a lovely bunch of designs =DReplyDelete
Wow, so lovely designs! I like the colors very much. They are all so beautiful that it's hard to chose, but maby I like the heart and the one with roses the best :)ReplyDelete
Aw, thank you, Bethany!ReplyDelete
Thank you! I really like the roses too, they're so easy but so cute! :)ReplyDelete
- Samantha28 March 2012 at 20:39
That's GORGEOUS!ReplyDelete
I hope you check out my nail blog as well :)
Thanks, Samantha! I've followed back your blog, you've got some great nail art :)ReplyDelete
- Kiaxoxo12 May 2012 at 16:00
So pretty! Where did you get the fake nails you painted on? I have ben looking for something like that.ReplyDelete
Thank you and I got them from Sally Beauty Supply! (:ReplyDelete
- Anonymous6 July 2012 at 09:26
If only I had 18 fingers...ReplyDelete
- galorious.blogspot.com17 March 2013 at 10:36
youre so talented omg, i love the variety you have here!ReplyDelete


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Khyam Lightbag 150
Despite its name, this synthetic sleeping bag from Khyam is actually quite heavy. However, it packs down small and keeps you warm enough, helped by the drawcord hood and shoulder baffle. The cotton inner, which feels really pleasant against your skin, is excellent, although the outer rustles a lot when you move.
Verdict: Quite heavy, but low-bulk and great value.
Weight: 1.3kg
Packed size: 37x17cm
Comfort rating: 0-5°C
Contact: 01922 711243; www.khyam.co.uk


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It was just this past week during introductions at an important client pitch, when I felt the need to explain, "I don't always have a moustache, but it's Movember".
It's not your imagination that you're noticing more starter 'staches out there this month. Men around the world are letting their upper lip grow wild to create awareness and raise money for men's health, specifically prostate cancer and male mental health initiatives.
No matter how odd my attempt at an awesome Movember 'Mo may look (so far), it's nowhere near as creepy as the 'Mo on this guy in this clip from Taxi 2 and Radke Film Group. But, moustache's don't make you creepy, being creepy makes you creepy.
Visit Movember now, and help out by donating to the cause.
[via Strategy]


text: Especially apropos in the wake of the recent Gulf war--a superb diplomatic history that unfolds the near-fatal miscalculations made by the cool New Frontiersman and the mercurial Soviet in the most dangerous years of the cold war. As JFK took office, both he and Khrushchev hoped to lift American-Soviet diplomacy from its low after the U-2 affair. But the contentious Vienna summit, held only a few months after the Bay of Pigs fiasco, exacerbated their personality differences- -Kennedy misunderstanding the depth of the Communist's ideological fervor, and Khrushchev dismissing the American as a callow youth who could be intimidated. Soon, they were lurching from one crisis to another--Laos, Vietnam, the Congo, and Berlin- -until the Cuban Missile Crisis shocked them into concluding the Limited Test Ban Treaty. Beschloss (Kennedy and Roosevelt, 1980; Mayday, 1986; Eisenhower: A Centennial Life in Pictures, 1990) makes excellent use of newly declassified government documents, post-glasnost admissions by Soviet officials, and interviews with their American counterparts to reveal how the two leaders missed each other's signals because of preoccupation with domestic critics: Kennedy with right-wingers hinting he was no Eisenhower, Khrushchev with Chinese Communists and Kremlin hard-liners. Moreover, Beschloss plausibly explains previously inexplicable events (e.g., that JFK's exposure of Soviet nuclear inferiority pushed Khrushchev into redressing the balance of power by installing missiles in Cuba), while offering tantalizing speculations on other mysteries (e.g., the assassination attempts against Fidel Castro). History as it ought to be written--exhaustively researched, revelatory, graceful, and, despite our knowledge of the outcome, even thrilling. (Thirty-two pages of b&w photographs.)


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Hey, Happy New Year! Hope you had a great Christmas. It's been a bit quiet on here recently but all for good reason - 2014 was pretty busy... Firstly, there was Better Beasts, a graphic novel proposal written by the multitalented Mark Pembrey and illustrated by moi. Based on the lives of early palaeontologists Gideon Mantell and Richard Owen, Beasts was well received by those who read it and even got on the long list of the Myriad Editions First Graphic Novel Competition! Mark is currently sprucing up the script for the next few chapters ready for me to resume artwork duties in early 2015!
Following hot on the heels of Better Beasts there came a commission for Llangorse's favourite son, the Afanc. The lovely people who organised the first Llangorse Lake Big Swim and Triathlon needed a mascot to feature on their racing t-shirts and prize medals, I was honoured when they chose my interpretation of their local legend for the job. Here are the two designs I submitted featuring our furry friend in action and below the final t-shirt (sorry about the creases) and medal!
Next up, character illustrations for crime writer extraordinaire Phil Viner. Earlier this year Phil launched a new website to coincide with the release of his second novel, Summer of Ghosts. He wanted the site to feature his lead characters drawn in a pulp, noir comics style. Here you can see Tom and Patty. The website in all its glory is here. And do check out Phil's fantastic books, including The Last Winter of Dani Lancing.
And then the biggy, Think Like Churchill; an app that takes the form of a graphic narrative from the clever people at Touchpress (who hired me for the job of illustrator) and Hodder & Stoughton. If you own an iPad or iPhone, do give this thing a look. Using a mixture of comics and animation, the reader is taken through some of the biggest decisions Winston Churchill made throughout his life. At crucial points within the narrative the reader/user is asked what they would do in Churchill's shoes! Some of my favourite illustrations from the app below. A big thank you to Touchpress for commissioning me and big shout out to all the great people I worked with over the past 5 months: Josie Gardiner (Producer), Ned Pennant-Rea (Writer/Researcher), Matt Aitken (Designer), Matt Gibbs (Editor), Warren Dockter (Historical Consultant) - you're all amazing.
Think Like Churchill images © Touchpress
So what's coming in 2015? Well, I've just completed two extra chapters for Think Like Churchill so hopefully you'll be seeing them soon. Then there's more Better Beasts to come and possibly some other projects with Mark too! Oh...and I think it's about time the Afanc made a come back...
...watch this space for updates!


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BCNC, formerly the Quincy School Community Council, was founded in 1969 by local residents, parents and community leaders in order to have a voice in the design of the Josiah Quincy Elementary School complex. From our beginning as a small group of community activists, grew an organization that is now the leading human service provider for Greater Boston's Asian community.
1969 - Quincy School Community Council(QSCC) is formed and incorporated in Massachusetts.
1974 - Acorn Child Care Center opens serving 14 children.
1976 - The Recreation and Adult English as a Second Language programs begin.
1977 - The After School program begins serving 15 children.
1978 - The After School and Recreation programs expand to include summer programs.
The Youth Program begins.
1986 - BCNC works with artists and the community to create the Chinatown Community Mural painted on the building at 34-36 Oak Street; the mural depicts the history of Asian Americans in Boston.
1987 - The City of Boston sells the 34-36 Oak Street Building to BCNC for $1. Ownership of this building anchors BCNC in the neighborhood.
1991 - The Family Child Care Project begins.
1997 - QSCC changes its name to Boston Chinatown Neighborhood Center (BCNC) to better represent its mission, programming, and location.
1999 - BCNC begins negotiating for a new community center as part of a larger development on Oak Street.
2002 - The Oak Street building is torn down and construction begins for a new center.
2005 - BCNC opens its new building on 38 Ash Street with a successful capital campaign of $2.8 million.
2006 - Family Services program begins.
2011 – BCNC receives its first endowment - Chin Tunn Fon Endowment Fund by Frank K. and Rose H. Chin.
BCNC creates the Bamboo Circle, a young professional network that supports BCNC through fundraising and volunteering.
2014 – BCNC opens its Quincy site, offering adult education, youth programs and family services.
2015 – BCNC replicates its parent engagement model in the Haitian community in Mattapan.
2017 - BCNC opens the Pao Arts Center. The Pao Arts Center leverages artistic and creative resources in Chinatown to strengthen the neighborhood and contribute to the vitality and identity of Boston.
2019 – BCNC moves to a larger site in Quincy to accommodate expanding programs and growing number of people served.
Awards & Accolades
Annie E. Casey Foundation's Families Count: National Honors Award (2001)
The Points of Light Foundation President's award (2002)
BCNC's building at 38 Ash Street received a Silver LEED rating by the US Green Building Council, making it the first "green" building in Chinatown (2006)
Mayor of Boston's Ace of Aces award for best arts program in Boston (2007)
The Boston Foundation's My Neighborhood award (2009)
Museum of Fine Arts Community Recognition award (2009)
White House Champions of Change award for BCNC Youth Center (2012)
MassVOTE Super Civies award for Youth Center (2015)
Asian American Commission Lifetime Achievement Award for Selina Chow, Board President of BCNC (2016)
BCNC Early Education and Care Center has been nationally accredited by NAYEC (National Association for the Education of Young Children) since 2002.
BCNC Adult Education is consistently the highest-rated program in Chinatown, and the highest-rated program in Quincy by the MA Department of Elementary and Secondary Education.
4 out of 4 stars from Charity Navigator and Gold level rating from GuideStar.
Get Konnected recognizes Executive Director, Giles Li as one of Boston's Emerging Diverse Leaders and Board President, Selina Chow as a top Community Leader in Boston (2016)
National Creative Placemaking Fund from ArtPlace America (2016)
Barr Fellowship (2017)


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Tim Dwelly's live/work blogSee all
BLOG: Follow us on twitter and facebook
For views and short updates please follow us on our sister network's twitter and facebook pages. News will continue on this website as always.
Published Apr 02, 2012 - 08:30 AM
[ Read more ]
BLOG: End of the office economy?
Now recovery is under way - or at least the property crash is over - how has live/work fared? Pretty well it seems. What could have been a part of the property market that was dumped as a boom-time fad has in fact emerged as a growing market for people wanting (or having) to do things differently and at a lower cost to their own wallet/the globe.
In tough times this has often meant using the home as the launch pad. From everything we have seen and heard at LWN, live/work units fit well with this group, especially when they look to find a property better designed for work use - but retaining the advantages of home working. Why risk paying for an office and taking on staff?
Published Nov 30, 2009 - 06:29 PM
[ ]
BLOG: Live/work and the new deal
President Obama and Prime Minister Grodon Brown are both signalling 'new deal' public investment programnmes to tackle recession. Both are said to favour infrastucture projects that support the low carbon economy. Live/work developments could be ideally placed to deliver.
Published Jan 27, 2009 - 08:35 PM
[ Read more ]
BLOG: Marketing live/work - vive la difference!
Live/work is different to residential housing. Say so loudly and reap the rewards...
Published Jul 22, 2008 - 02:54 PM
[ Read more ]
BLOG: Floorspace and the economy
Why do so many planners want to increase the proportion of live/work units that is used for work?
Published Sep 28, 2007 - 11:13 AM
[ Read more ]


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Latest News
Feds struggle with getting elderly, disabled back into community
A multibillion-dollar federal initiative to move low-income elderly and disabled people from long-term care facilities into the community has fallen far short of its goals, as many states have struggled to cobble together housing and other services.
Launched in 2007 during the George W. Bush administration, the states initially projected placing 35,380 Medicaid recipients in the first five years. As of March 31, at least 22,500 had made the transition, about 36 percent below the states' goal.
The numbers vary sharply by state. Some, such as Texas and Ohio, have helped thousands find homes in their communities. Others, including North Carolina, Missouri and Kentucky, have moved fewer than 500 each.
In California, only 827 people have made the jump since 2008, although the state was awarded $41 million during that time. "We're not doing a good job of it here," said Deborah Doctor, legislative advocate for Disability Rights California. "It's pathetic."
Some states have found it especially difficult to move the elderly. While the vast majority of eligible people are seniors, only about one-third of the program's participants are age 65 or older, according to Mathematica Policy Research, a Princeton, N.J.-based firm hired by the government to evaluate the project.
While advocates strongly support the program and its goals, many say they are disappointed with what they see as its glacial pace, given the $4 billion that Congress has authorized and the fact that about 900,000 people living in institutions meet the eligibility requirements.
"It's very frustrating to us," said Kate Ricks, who heads Voices for Quality Care, a multi-state long-term care advocacy group based in Maryland. "At the rate they're getting people out, everyone who is eligible will be dead."
Officials from the federal Centers for Medicare & Medicaid Services, which administers the program, acknowledge that it was tough for many states to get rolling; some states didn't start until 2008. But they say the pace has picked up – placements have doubled in the last few years.
"We've transitioned individuals from nursing homes who have been over 90 years old and have been able to serve them extremely well in the community," said Ron Hendler, CMS technical director for the program. "They have been very complicated transitions, but we've been able to do them – and very successfully."
To participate in the program, a person must express interest and be enrolled in Medicaid, the state-federal program for the poor and disabled. Counselors help coordinate their move into houses, apartments or group homes of four or fewer residents – or, in some cases, assisted living facilities.
The program, called Money Follows the Person, offers states extra Medicaid funding to pay for the participant's home and community-based services over 12 months, as well as furniture, security deposits and renovations to make housing accessible to the handicapped.
Despite the assistance, there are barriers to moving many people, because of complex medical needs, lack of services in the community and few housing options.
Wayne Cook of San Leandro, Calif., struggled to find a place to live.
Cook, 56, suffers from polymyositis, an inflammatory disease that attacks the muscles. He was living in a nursing home when he signed up for the program.
His transition counselor gave him a list of apartments, but many had been rented months earlier. "I just started getting on the bus and looking for places on my own," said Cook, who uses a wheelchair.
Cook said it took him more than six months to find a landlord who would accept his Section 8 housing voucher. He finally moved into a one-bedroom apartment that wasn't handicap-accessible but was on the first floor.
"Man, it's kind of hard to describe what it was like to go back to an apartment," he said. "I had come a long way from people telling me I was going to be bedridden for the rest of my life. I can't put it in words what it felt like to get my own door key again."
Cook said the hardest part for him has been dealing with tasks such as paying bills and grocery shopping.
That's a common concern for people transitioning out, said Robyn Grant, outreach director for the National Consumer Voice for Quality Long-Term Care, an advocacy group.
"Nursing home life is very regimented," Grant said. "You go from everything being decided for you to it being wide open. A number of people said getting used to that was a big adjustment."
Some participants end up returning to nursing homes and institutions. CMS officials would not release those numbers to Kaiser Health News.
For participants who remain in the program, once the year ends, the states are expected to use their Medicaid dollars to continue paying for the participant's day-to-day services, such as home health, case management and personal care.
States are also required to take some of the Medicaid funds they've gotten for Money Follows the Person and reinvest them in long-term care services, shifting spending from institutional to home and community-based care. The idea is to help keep people out of nursing homes and institutions from the start.
In 2005, Congress authorized $1.75 billion to fund the original five-year project in 30 states and the District of Columbia. In 2010, Congress authorized another $2.25 billion for the program under the Affordable Care Act and extended it through September 2016. Thirteen more states won grants last year, bringing the total to 44.
So far, the federal government has paid or committed to pay $1.1 billion to the states, according to CMS officials.
Even now, a handful of states are responsible for the bulk of placements. The biggest by far is Texas, which was awarded $123 million for the first five years of the program and by the end of 2011 had moved out 5,298 people.
Texas officials say their state already had been operating its own version of Money Follows the Person starting in 2001. "We had earlier experience and looked for the barriers and how to address them," said Marc Gold, manager of Texas' Promoting Independence program. "I think other states having problems probably didn't have an infrastructure at all."
Some states are struggling. Joel Weeden, who runs the program at the California Department of Health Care Services, blames much of the problem there on the logistical headache his agency faces because it contracts with a network of two dozen local agencies responsible for transitioning people.
"We did not have an existing statewide system in place for coordinating home and community based services," Weeden said. "California has a fragmented system."
In a few states, Money Follows the Person never even got off the ground – or ended abruptly.
In Florida, lawmakers last year didn't give state officials the authority to use their $35.7 million grant award because the funding was authorized under the Affordable Care Act, which the state is challenging in federal court.
One area that Congress didn't address when it authorized Money Follows the Person was whether it would save money.
In a February review, Mathematica found that the cost of community-based long-term care services is 34 percent lower than what Medicaid programs typically pay for nursing home care. But the study was inconclusive about whether Money Follows the Person is saving taxpayer money because it did not assess the cost of medical care for people living in the community.
"We have not made that determination. We feel it's a little too early," said Mathematica project director Carol Irvin. "Don't construe that it saves money to have someone in the community."


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Boundaries of Belonging
Localities, Citizenship and Rights in India and Pakistan
- Authors:
- Sarah Ansari, Royal Holloway, University of London
- William Gould, University of Leeds
- Publication planned for: December 2019
- availability: Not yet published - available from December 2019
- format: Hardback
- isbn: 9781107196056
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The 1947 Partition had a major impact on issues of citizenship and rights in India and Pakistan in the decades that followed. Boundaries of Belonging shows how citizenship evolves at a time of political transition and what this meant for ordinary people, by directing attention away from South Asia's Partition 'hotspots' - Bengal and Punjab - to Partition's 'hinterlands' of Uttar Pradesh and Sindh. The analysis, based on rich archival research and fieldwork, brings out commonalities, differences, and the mutual co-construction of the 'citizen' in both places. It also reveals the way in which developments across the border, such as communal violence, could directly impact on minority rights in its neighbour. Questioning stereotypes of an increasingly 'authoritarian' Pakistan and 'democratic' India, Sarah Ansari and William Gould make a major contribution to recent scholarship that suggests the differences between India and Pakistan are overstated.Read more
- Explores the longer-term consequences of the 1947 Partition for India and Pakistan
- One of very few studies that explore this critical phase of Indian and Pakistani history in the same frame
- Investigates notions of citizenship in India and Pakistan from a popular perspective
Reviews & endorsements
'Boundaries of Belonging is an engaging and authoritative study which deserves a wide readership. It addresses everyday meanings of citizenship in the UP and Sindh 'hinterlands' of India's 1947 Partition. The book provides important insights into the common challenges facing India and Pakistan with respect to claims of entitlement to citizenship.' Ian Talbot, University of SouthamptonSee more reviews
'This book is a major new addition to the growing literature on the idea of citizenship in the postcolonial world. Ansari and Gould have woven a narrative that brings to life political processes and lived social experiences of transitions from colonial subjecthood to republican modes of citizenship, describing in this process what it meant for people to identify as citizens and notions of belonging to the nation-state.' Ali Usman Qasmi, Lahore University of Management Sciences
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Product details
- Publication planned for: December 2019
- format: Hardback
- isbn: 9781107196056
- dimensions: 228 x 152 mm
- contains: 15 b/w illus. 3 maps
- availability: Not yet published - available from December 2019
Table of Contents
1. 'Performing the State' in post-1947 India and Pakistan
2. People on the move: refugees and minorities in UP and Sindh
3. Citizens and the city: from people on the move to the movement of goods
4. New constitutions, new citizens
5. Women and differentiated citizenship in post-colonial South Asia
6. 'Hidden citizens' in 1940s and 50s India and Pakistan
Epilogue and conclusion.
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Maicon told Inter Milan fans that he will not leave the Italian club unless president Massimo Moratti decides to sell him.
"I'm very happy at my club and the fans can rest assured that I will not leave unless the president wants me to leave," Maicon said.
The defender acknowledged, however, that the only club he would play for other than Inter is Real Madrid. Rumors of a possible transfer increased recently after Maicon praised the Spanish club in comments that he has since downplayed.
"I didn't say I want to go to Real Madrid," Maicon said. "I said that if there would be another club I would like to go now, after winning these important titles with Inter, it would be Real Madrid, no other club."
Maicon helped the Italian club win the Champions League, the Italian league and the Italian Cup this year.
He had said Real Madrid would be his choice because it's a club with a similar structure to Inter's. He also said it would be nice to rejoin Jose Mourinho, the former Inter coach who has moved to Real Madrid.
"Not a lot would change if I had to play for Real Madrid," the 28-year-old Maicon said.
Maicon is in South Africa where Brazil is hoping to win its sixth World Cup title. It will be his first World Cup, but he helped Brazil win the 2004 and 2007 Copa America titles and the 2005 and 2009 Confederations Cups.
Maicon is part of what is considered by many commentators to be the strongest aspect of the current Brazil national team — the defence. Maicon's substitute is Barcelona's Daniel Alves.
"It's good to know that there is someone like him waiting for an opportunity," Maicon said. "It makes me want to try to give my best to keep playing."
Maicon has established himself as a fitting replacement for Cafu, who dominated the right back position from 1994-2006 and holds the record for number of international appearances for Brazil at 150.
"Everybody used to say that there were no substitutes to Cafu," Maicon said. "But today we are glad to hear that the right back position in the national team is praised."
A member of Brazil's youth teams, Maicon moved to European football from Brazilian club Cruzeiro in 2004, signing with Monaco before transferring to Inter Milan in 2006.


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These basic principles of Vahallan are ingrained in the foundation of the business. Designed and hand painted in the heartland, Vahallan's wall coverings can be found in some of the most stylish and luxurious homes, hotels and businesses in the United States and around the world.
More than 15 years of decorative and design experience are applied to every single sheet of hand-painted paper that leaves our studio. [read more…]


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If you are an average mortgage buyer, you would probably think a mortgage lender, mortgage banker, and mortgage broker are all the same thing simply because they all sell mortgages to home buyers and refinancers. However, if so, you would be mistaken and this blunderer could end up costing you a bunch of dough.
Let's start by defining each specific term and then compare the differences. We will start with the term, Mortgage Banker.
Investopedia states the definition of a Mortgage Banker as:
"A company, individual or institution that originates mortgages. Mortgage bankers use their own funds, or funds borrowed from a warehouse lender, to fund mortgages. After a mortgage is originated, a mortgage banker might retain the mortgage in portfolio, or they might sell the mortgage to an investor. Additionally, after a mortgage is originated, a mortgage banker might service the mortgage, or they might sell the servicing rights to another financial institution. A mortgage banker's primary business is to earn the fees associated with loan origination. Most mortgage bankers do not retain the mortgage in portfolio. "
An example of what I call a "pure" mortgage banker is Bank of America. As a bank, Bank of America can retail mortgages to consumers, close in their own name and fund all their loans with their own money. They don't need a warehouse lender source...they have the cash. This is the most common version of the mortgage banker, but there is another version I call the "hybrid" mortgage banker. This type of banker differs only in size (much smaller) and the fact they use a short term line of credit from a warehouse lender to fund their loans which they close in their own name.
(Note: Remember that all mortgage bankers "close in their own name". It becomes very important in just a minute!)
It is important to note both types of banker end up selling their closed loans to Wall Street passing the risk on the final investors.
Now let's address the term "Mortgage Lender". Other than the purely generic definition of "a company that lends mortgage money", there is another more specific "industry use" definition.
Inside the industry mortgage brokers refer to their wholesale lenders simply as "mortgage lenders". So what is a wholesale lender? It is easier to understand with an example.
A good example of a wholesale lender is the old Countrywide Home Loans before they went under. Brokers all over the country used their money to fund originations and close those loans in Countrywide's name. It was indeed Countrywide's money used at the closing table, not the brokers.
Investopedia refers to the differences between mortgage brokers and bankers in the following way,
"The distinguishing feature between a mortgage banker and a mortgage broker is that mortgage bankers close mortgages in their own names, using their own funds, while mortgage brokers facilitate originations for other financial institutions. Mortgage brokers do not close mortgages in their own names."
This brings us to the definition of "Mortgage Broker". To quote Investopedia once again,
"An intermediary who brings mortgage borrowers and mortgage lenders together, but does not use its own funds to originate mortgages. A mortgage broker gathers paperwork from a borrower, and passes that paperwork along to a mortgage lender for underwriting and approval. The mortgage funds are then lent in the name of the mortgage lender."
How These Differences Can Cost You Money
I promised you earlier a discussion of why it is important to note the "close the loan in their own name" banker difference and here it is.
This is important because a mortgage banker does not have the same disclosure rules simply because they close loans in their own name. This is a legal technicality, but it makes mortgage bankers billions of dollars without the consumer knowing....but let's back up a minute.
Consumers should know a big chunk of the profit on any originated mortgage comes from the spread between the rate consumers pay and the rate Wall Street expects. Since both banker and broker loans end up on Wall Street, they both have this profit potential. This profit legally has two names: Service Release Premium if the loan is a banker loan or Yield Spread Premium if the loan is a broker loan. Federal law requires this profit from broker loans to be disclosed on the application documents as well as the closing documents.
However, even though this rate spread profit may be equal to or greater on a banker loan, NO consumer disclosure is required at application or closing!
In my experience, mortgage banks are not the low cost provider for retail mortgage money. They have huge over-head requirement, costly advertising campaigns and hungry stock holders all forcing their hand to maximize profit on each and every loan. With their ability to hide rate-bumped profits like service release premiums, do you really stand a chance of getting the lowest rate with a bank?
Probably not.
Does that mean a mortgage brokers automatically provide better deals?
Absolutely not.
However, if you know how to shop to spot and reduce their disclosed rate-bump profits, specifically yield spread premium , you at least have a fighting chance.
I hope we have clarified your retail choices in mortgage companies and you now understand where to go to get the best home loan deals.
If you are considering Mortgage Litigation apply today for a 100% free and confidential consultation with a licensed attorney or call us at 1 800 688 3210 to speak with a legal assistant.
Mortgage Litigation is the only real way to get justice within the U.S. court system!
+1 this page so other homeowners learn about their options and make informed decisions.
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Drop Bags
Originally started in 1998, Drop is a snowboard accessory company which specializes in gloves. But in the early 2000s, when every bag company came creeping into skateboarding, Drop was no exception. Although short lived, the Drop skate team consisted of Ricky Oyola, Eric Mercier, Satva Leung, Van Wastell, Alex Gavin, Etienne Tanguay and Joe Buffalo. Today, Drop continues to produce snowboard gloves and accessories.
- Website: dropmfg.com
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