text:
We have a bottom tier of U.S. soccer?
posted by cheemo13 at 01:00 PM on May 30, 2012
Pretty good stuff. As my Braves are in Tampa this weekend I'll be taking a closer look...and I can't say the Braves have never benefited from framing.
posted by cheemo13 at 09:41 AM on May 18, 2012
I didn't know you just drop what you are doing and join The Navy Seals. Do you have to sign a waiver or something?
posted by cheemo13 at 12:50 PM on March 01, 2012
Oh...ok. All is well then.
posted by cheemo13 at 11:36 AM on December 16, 2011
When I flipped it on I thought an NFL Europe game broke out.
posted by cheemo13 at 01:55 PM on September 06, 2011
haha...very good
posted by cheemo13 at 01:34 PM on August 06, 2011
One my favorite things..."We believe you guys so we won't dispute ya but if you're lyin to us we'll come back and shoot ya, word"
City Under Siege
posted by cheemo13 at 10:12 AM on August 04, 2011
I saw a documentary on a bull called Bodacious about 10 years ago. This bull's signature move was to get the rider to lean forward and then the bull would jerk his head up and smash the rider's face. And this was before all the safety equipment riders wear now. I think only 8 or 12 guys rode him long enough to get a score and some wouldn't get on him if that's the bull they drew.
posted by cheemo13 at 11:21 AM on July 23, 2011
This kids parents are morons. Way to teach him. "Just do whatever you want son, we'll back you up. You don't need to follow the rules." It was real easy...Seahawks or uniform. Now the kid and his dumbass parents probably ruined it for everyone else.
posted by cheemo13 at 11:15 AM on January 15, 2011
As a Braves fan I couldn't be happier with the results of both league championships. The Yankees and Phillies out of it.
posted by cheemo13 at 10:11 AM on October 24, 2010
But casual fans can abandon a sport, as happened to boxing in my lifetime,
But I think boxing was abandoned because it became less violent. Especially in the heavy weight division. The matches have become hugfests instead of two men punching each other.
As far as the NFL, what is the league supposed to do? Make tackling illegal?
I see the reason to institute some rule changes for malicious shots to the head but sometimes it just happens during play. In some cases the offensive player is \"to blame\" for the shot to the head.
posted by cheemo13 at 10:06 AM on October 24, 2010
Even if it is, how far will they get facing the likes of Cincinnati, San Diego, Philadelphia, San Francisco, or St. Louis?
Braves have winning records against each of these teams except the Cards.
posted by cheemo13 at 05:31 PM on August 19, 2010
I think it would be a good idea if the NFL, owners, and players union concentrate on getting their shit together and making a deal before worrying about how many preseason and regular season games are to be played.
posted by cheemo13 at 10:26 AM on June 19, 2010
Even the New York Times blogger admitted it was a dive.
Who gives a shit what the New York Times blogger has to say about it?
posted by cheemo13 at 05:07 PM on June 18, 2010
Are Wesley Snipes and Woody Harrelson on the team?
posted by cheemo13 at 04:55 PM on May 10, 2010
Who the hell is Marvin Benard?
posted by cheemo13 at 07:08 PM on April 12, 2010
I can't believe how much Federer owns Roddick. I had my hopes up, but when Federer came back in the second set tie break down 5-1, I knew it would be another slam for him.
posted by cheemo13 at 07:20 PM on July 05, 2009
I expect that in the end cooler heads will prevail, all sides will apologize for the incident, and everyone will move on with their lives.
Moats doesn't have anything to apologize for. Is he supposed to be sorry for trying to get to the hospital to see a family member before she died??? Or that he didn't pull over in a timely manner?
posted by cheemo13 at 03:56 PM on March 27, 2009
The learning disabled angle reminded me of the football game in which a team allowed a mentally handicapped player to score, knowing how much it would mean to that player.
From what I've read these are kids that have ADD (which means my kid can't keep his shit together to pay attention in class so he/she has "ADD"), dyslexia, and the like. It's not like they are special needs kids that have autism and things like that. 100-0, sure that's over the top but the ass whipping was because the losing team was inferior. Don't get me wrong, the winning coach should called off the dogs but I hope this doesn't turn into the winners beat up on the handicap kids.
posted by cheemo13 at 06:22 PM on January 23, 2009
Anyone ever seen that HBO documentary about the woman who runs PETA? I can't remember her name off the top of my head but as far as psychopaths go she could give Vick a run for his money.
posted by cheemo13 at 07:28 PM on January 22, 2009
I wonder what the players think. We're moving to OK City. YAY!!!!!!!!!!!! or SHIT!!!!!
posted by cheemo13 at 10:18 PM on July 03, 2008
"Drunk Fan Gets Arrested At Arrowhead" "Family Gets Ousted From Chiefs Game For Not Controlling Child" Which headline does everyone think is preferred? When I see the first I'm not sure if I would give it a second glance and just think some guy got a little too out of control. On the second one, I'm reading that article to see exactly what happened. It's almost like the drunk guy gets a pass. Parents who can't controll their children should think twice about where they take them. Games...Airplanes...Restaurants...Movies...maybe stay at home and read some parenting books. I know that's harsh but that's just how I feel. Also, what exactly is "harassment of visiting teams fans"? If it's giving them some shit for cheering for the visiting team, they should expect that. If these fans have the balls to wear the opposing teams jersey and cheer for the away team they should expect to take some from the home fans. Iv'e been to plenty of games away and cheer for my home teams. I enjoy the harassment. It's part of the game. Off topic...Why do some people go to games and wear a jersey or something else of a team that's not even playing? Has everyone seen this or is it just because I live (and am from) Atlanta where everyone is a transplant. I think I'll wear my Steelers jersey to the Falcons, Panthers game. Makes no sense.
posted by cheemo13 at 01:09 PM on July 02, 2008
Field of dreams would be number one on my list posted by justgary at 3:13 PM CST on June 19 Field of Dreams was ranked under the fantasy catagory according to AFI.
posted by cheemo13 at 04:24 PM on June 19, 2008
I told those fucks down at the league office a thousand times that I don't roll on Shabbos!
posted by cheemo13 at 01:32 PM on March 04, 2008
"In soccer there are no breaks in play until halftime, unlike football which has a lot of commercial breaks including the three timeouts for each team. And for basketball, each team has 5 timeouts I think, but they do a lot of running back and forth, so they got the endurance for soccer." Scars, I can see your point here but how about when a soccer match is put on hold for 5 minutes while a player lays on the ground like his leg is going to fall off because he got his shoe lace, or boot lace if you prefer, stepped on. I'm just saying that soccer has it's breaks also. It's not just straight running back and forth for 45 minutes each half.
posted by cheemo13 at 08:48 AM on January 24, 2008


text:
About Me
I am a firm believer in the power of speaking to inspire healing, growth, and positive change. I love sharing my story and helping others grow. When speaking, I use my background and experience as a professor and licensed clinical psychologist to communicate wisdom that is accessible and easy to apply to one's life.
Most Requested Speaking Topics
Below I list my most requested speaking topics. I am also happy to tailor my speaking topics to the needs of your group. If you don't see a topic here that works for your event, email me at firstname.lastname@example.com and we will work on this together. Here are my most requested topics:
- The Healing Cycle: How to Experience Healing and Growth in Small Groups: I believe that healing and growth best happens in the context of relationship. Small groups can be an especially important avenue to experience healing and growth. However, many small groups struggle to go deep, instead tending to stay on the surface and discuss content. I discuss a method that will help your small groups to go deeper and experience greater levels of healing and growth.
- Replanted: Faith-Based Support for Adoptive and Foster Families: Caring for vulnerable children is deeply important to the heart of God, but it can be challenging to parent children from difficult backgrounds. I discuss a three-part model of support to help families thrive, including emotional support, informational support, tangible support. I also give practical help for churches who want to develop support ministries for adoptive and foster families.
- Developing Cultural Humility and Openness Toward Others who are Different: Often counselors and other helpers struggle to connect with individuals who are culturally different from them. I discuss the importance of cultural humility when connecting with others who are culturally different. I also discuss strategies for cultivating cultural humility in one's life.
- Bringing Psychology and Christianity Together: I am a psychologist. I am a Christian. For years, I struggled with fitting those two parts of my identity together. I discuss a vision for how psychology and Christianity can fit together. I also discuss several areas of conflict between psychology and Christianity, and I offer steps toward resolving this conflict.
- Christianity and Social Justice: Christians sometimes struggle with the idea of social justice. I discuss two issues that I believe characterize the struggle that Christians experience with social justice issues. I then present a Christian case for social justice, and discuss strategies for resolving conflicts between faith and social justice issues.
Candice Reece
Human Resources Director
National Association of Adventist Healthcare Human Resources
Jamie D. Aten, PhD
Founder & Executive Director,
Humanitarian Disaster Institute
Wheaton College
Kevin Timpe, PhD
Department of Philosophy
Calvin College

subset: commoncrawl


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You are currently browsing the tag archive for the 'tattoos' tag.
oh my goodness. sorry for such a prolonged absence…since the end of last semester, i tended to not be at the computer AS much, therefore leading to a decrease in blogging. whoops.
i will do better.
second semster is starting. it's strange to think that after this one, all i have left is a summer consisting of a second internship and thesis. and then, i'll. be. done. M.A. by October. so so strange.
speaking of internships, i'll be spending the next 3-4 months working an internship for collections management at The Museum of Sex. i'm super excited, and if nothing else, it should provide some entertaining stories and be a good conversation starter for my resume. be prepared for updates.
thankfully, i was also able to get myself to start running again. like the title says, better late than never…last week was a slow start, but hopefully by the end of next month, i'll be back up to 30 or so miles a week, and enter a race. fingers crossed.
also, i'm hoping to get some new things up on my etsy site soon. keep an eye out…
on an unrelated note, I'm totally in love with Amanda Wachob's tattoo work. the abstract ones are lovely, as are the conceptual ones.


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A middle-aged man named Luke dines alone in the upstairs room of a restaurant, where he meets another lone diner, an older man who turns out to be an artist of talent and intellectual depth.
The Painter By Lois Swann Author House, Bloomington, IN, 2014 Trade Paperback, 356 pp., $19.99
A middle-aged man named Luke dines alone in the upstairs room of a restaurant, where he meets another lone diner, an older man who turns out to be an artist of talent and intellectual depth. They fall into conversation, and Luke, intrigued, begins the adventure of his life as he falls under the spell of the older man's story. In The Painter, readers will also partake of this marvelous journey, one that reels in all the senses as it explores the deepest reaches of an extraordinary artistic vision.
As the tale progresses, Luke accompanies Lorenzo to his estate, where the artist tells an engrossing tale, beginning with a daring escape in World War II and how he came to be in America following the conflict. One room at a time, Lorenzo paints the picture of his own amazing life, as he begins work in America laboring to paint the walls of an apartment foyer in his singular style. He receives an assignment to create an array of stars on the ceiling of a Catholic church and, as his work is noticed, moves on to greater and greater commissions.
In writing The Painter, Cape Cod author Lois Swann has created a finished artwork of her own. The inspiration for her fictional character of Lorenzo Frasca is based on the fifteenth-century work Il Libro dell'Arte (The Craftsman's Handbook), a detailed how-to book of the time, whose author laid out techniques, materials and preparations for creating the art of the Renaissance period.
The Painter becomes a remarkable exercise in visualization, engaging and ultimately satisfying, as we witness the artist's labors and the intimate details of his creations, as he spins out a life filled with beauty and intent won from hard labor and great loss, and it illuminates the glory of focusing on a single pursuit – life stripped down to the basics of materials and pigments, the core of an artistic goal.
The novel is full of well-drawn characters, from Lorenzo's crazed and destructive wife, to her young, fragile daughter, fathered by another man but nurtured by Lorenzo as she grows older; the priest, Father Mullen, who becomes his close friend and confidante; Anna, the woman he loves passionately and who fires his talent and hopes; and Felipe Navarro, the Spanish prince who ultimately becomes Lorenzo's patron in the undertaking of his lifetime. The story is drawn in finely tuned brushstrokes, as Lorenzo begins to re-imagine and restore the prince's palace, where he takes up residence "like a composer living inside his piano."
Author Swann has captured her story with an unique prose style that marries an odd, engaging brevity with an intricacy that can occasionally border on the precious. It's mostly illuminating and beautiful, though sometimes a little too much description cancels out a lovely image. At times, awkward phrasing and syntax make it slow going, especially in the earlier pages. However, this is a most unusual book. Stick with it and you will be rewarded by a harvest of images and feelings you won't soon forget.


text:
There is charm and grace
In a few wrinkles on the face
There is poise and elegance
In having so much experience
There is wisdom and respect
In living a life which is so perfect
There is honor and dignity
In turning a grand sixty
Happy birthday
Happy 60th Birthday verses 3
Look how far
You have come
Look how your life
Has been awesome
Look at all the things
That you have got
Look how your family
Loves you a lot
Look how stunning
Is your life's view
Happy birthday dear
I am so happy for you
Happy 60th Birthday verses 4
May the skies turn red
May the trees turn blue
So vibrant and colorful
May the day be for you
May the flowers turn neon
May the oceans turn burgundy
So vivacious and flamboyant
May your life turn out to be
Happy birthday
Happy 60th Birthday verses 5
60 is a grand young age
It didn't happen fast
But after waiting patiently
It's come to you at last.
What exactly does it mean
To reach the big six oh?
It's scary, wonderful and new!
But you'll be glad to know
You are not alone, oh, no
For some of us have seen
Age sixty come and go so fast
We've hardly known it's been.
Same with thirty, forty, and
Oh, yeah, the big five oh -
Remember how it seemed so old?
And that was long ago!
Not to say you're getting old
No more than other folks
For sixty's no more ancient
Than some of my own jokes.
Happy 60th Birthday verses 6
Here's to your big day my very special friend,
Enjoy it while it's here
Because you'll have to wait ten years
For your next milestone year.
Thinking back on sixty you'll
Turn back that mental clock
The grand young age will seem so nice
And seventy a shock.
"I was really limber then,"
You'll say to everyone.
See, sixty is the prime of life
At least, from this point on.
Happy 60th Birthday verses 7
Happy Birthday to you!
On your Sixtieth year!
It's time to celebrate,
And to spread the cheer!
You are amazing, kind, and wise!
No one could top you even if they tried!
Happy Birthday to a special person on your 60th Birthday!
Happy 60th Birthday verses 8
You made it to a magical age
Everything gets even more fun
Turn 60 and turn a new page
The worries of your 50's are done
Now it's time to live life your way
And love those you love most
This is a milestone 60th birthday
And this poem is your 60th toast
Happy 60th Birthday verses 9
Time is on your side when you're young
When you hit sixty, time is on your belly
You haven't climbed to the highest rung
But your legs may still feel like jelly
Heaven may be around the corner for you
But great things still await a 60-year-old
There's plenty more things for you to do
Move forward with an attitude that's bold
Happy 60th Birthday verses 10


text:
YANGZHOU VIOMED is a company focus on manufacturing and exporting all kinds of disposable medical products and medical equipments. Our company located in Yangzhou, which is around 200kms to Shanghai Port. With experienced team, we sold and export variety kinds of medical products and equipments worldwide.
If you have any problem while using our product, please contact with our Professional Team at any time and we will give you fast response by email or phone
Self owned factory by VIOMED will provide you good quality medical products, and delivery time are guaranteed too
We give you the most competitive and reasonable price, please feel free to inquire us by email or phone
We can guarantee you fast delivery base on S/C
VIOMED provide you long life warranty and maintenance, for most medical equipment we sold
It is a pleasure to work with Johnny Jia(Yangzhou VIOMED). Your team offer us wide range of hospital equipment with high quality and also thanks for your super good service, love you all.
We have worked with VIOMED since 2011, thanks for their excellent service and good quality Medical products, we don't receive any more complaints from our customers. It's really a great choice to be with Viomed!


text:
Serves 4
- 1 can 185g Ayam Brand Tuna Flakes in Sunflower Oil, drained
- 1 tbsp Chili Paste
- 4 shallots, sliced
- 1 clove garlic, sliced
- ½ tsp turmeric powder
- ½ inch ginger, julienne
- 200ml Ayam Brand Coconut Milk
- 300ml Water
- ½ no.cabbage (medium), thickly sliced
- 200g long beans, cut as desired
- 1 no. potato cut in large cubes
- Salt and pepper
- Fine Vermicelli (Su-hun) as required, soaked and drained
Optional (deep fried)
- 2 tofu, quartered
- 100g tempe, cut as desired
- Place the tuna, chilli paste, shallots, garlic, turmeric powder and ginger in a pot. Pour in coconut milk and water. Place pot on slow fire and stir occasionally until simmering.
- Add in long beans, carrots and potatoes. Cook until slightly softened. Add in cabbage and cook until wilted. Season with salt and pepper to taste.
- Just before removing from heat, add in the rice and vermicelli. Serve.


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Flight's 'disruptive' passenger met by authorities
KANSAS CITY - An American Airlines MD-80 was met by law enforcement officials when it landed in Kansas City, Missouri, because of what an American spokeswoman called a "disruptive" passenger.
Spokeswoman Laura Masvidal says Flight 1233 left Dallas Fort-Worth International Airport and landed at Kansas City International Airport around 4:30 p.m. Wednesday.
She says it was not an emergency landing and there were no injuries, but Masvidal says no further details were available.
Airport police referred questions to an airport spokesman, who did not immediately respond to a request for comment.
FBI spokeswoman Bridget Patton told KMBC-TV agents took the person into custody after the passenger interfered with the flight crew. She says that's standard practice and added she didn't think there were any major incidents on the flight.


text:
Posted by kinasepro on April 23, 2009
6 Responses to "MK-2206"
April 24, 2009 at 8:17 am
Shouldn`t it be a 2H-[1,2,4]Triazolo[3,4-f][1,6]naphthyridin-3-one core?
June 2, 2009 at 12:49 pm
Merck has been working on compounds like this for a long time.
Mol Cancer Ther 2005;4(2).
Did they ever show whether compounds in this series bind to other PH domains in other proteins?
July 31, 2009 at 3:56 pm
Are there any PI3K inhibitors available for research that are known to specifically and ONLY inhbit P110a?
December 10, 2009 at 12:52 pm
Is this soluble in DMSO?


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How does CSR differ around the world?
News vom 02.06.2016
Professor Gregory Jackson and Julia Bartosch published a study of CSR adoption in firms in 24 OECD countries. The study was conducted with support of the Bertelsmann Foundation. The study show that firms in the UK, France, and Spain are among the overall leaders in CSR, whereas the US and Japan lag behind many OECD countries. Germany is among countries with intermediate levels of CSR adoption. While overall levels of CSR activities are increasing, the study also finds a strong association with higher levels of scandals around irresponsible behavior.
The study shows that national institutional factors lead to distinct national patterns of CSR activity. In particular, greater CSR activity was associated with institutional supports for worker participation in corporate boards and through works councils, coverage by collective agreements and higher levels of social spending. Importantly, the study shows a positive effect of mandatory disclosure requirements on company CSR activities. Meanwhile, more liberal product markets were associated with more CSR, but also more irresponsible actions.
The full study is available as a free download here.
Link to press release (auf Deutsch).


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A total of 115 attacks and other hostile acts were committed against journalists in the first half of 2017 simply for doing their jobs, according to the semi-annual report compiled by Women Journalists Without Chains (WJWC), the pro-journalist non-governmental organization in Yemen.
The monitoring data collected by WJWC shows five journalists and media workers lost their lives doing their work since the beginning of 2017 until the end of June.
Between 2014 and the end of June 2017, about 825 violations of press freedom were committed. "This is a record number," WJWC comments, pointing out that 26 journalists and media professionals lost their lives during the same period as well.
The violations of press freedom in the first half of 2017 took many forms, ranging from summons and trials (38 cases- 33.04%) to abduction, arrest and detention (24 cases- 20.86%), assault (9 cases -7.82%), torture (7 cases- 6,08%), arbitrary dismissal (7 cases- 6.08%), murder (5 cases- 4.34%), injury (5 cases - 4.34%) threat and incitement (5 cases - 4.34%), and etc.
The governorate of Sana'a ranked first in the number of violations in which over seventy violent incidents took place, accounting for 62.6%, followed by Aden governorate with 19 cases (16.52%), while Taiz, Yemen's largest city in terms of population, ranked third with 15 cases or 13.04 percent of the total number. For other provinces like Marib, Hodeidah and Shabwa, nine cases of violations took place during the same period focused on by the report.
There has been a marked decrease in the number of violations of press freedom starting with the prosecution of journalists who were summoned to courts controlled by militias in Sana'a through issuing death sentence against journalist Yahya Abd al-Raqib al-Jubaihi on trumped-up charges.
Press freedoms are at their worst ever since the coup carried out by the Houthi militia and forces loyal to deposed president Saleh in September 21, 2014, the organization said in its mid-2017 report, noting that journalists and different media outlets have become an open target for militias,".
Women Journalists Without Chains also reported that the Houthi militia and its close ally, Saleh's forces, have been the top two most dangerous parties for journalists so far, indicating that among violators are also other parties and armed groups, i.e. the pro-government troops, UAE-backed security belt forces in Aden, the armed group of Abu al-Abbas in Taiz and al-Qaeda.
Journalists and media workers during the first half of this year have been increasingly abused by parties including members of the government's security forces as well as various non-state actors and religious conservatives such as Aden's security belt forces, advocates for the secession of the south and the armed group of Abu al-Abbas backed by the UAE, explained the organization in the report.
WJWC warned of the threats facing women journalists who are accused of infidelity and atheism, saying that these charges are a dangerous trend especially since they have already begun to increase dramatically against men and women journalists alike, as happened to journalist Hanan Nasser, who was accused of infidelity and atheism.
The report noted that journalists are currently facing life-threatening risks that make them more vulnerable to targeting by all parties to the conflict, mainly by Saleh-Houthi militias, terrorist groups and forces loyal to the legitimate government, which have committed various violations against journalists and media personnel, including murder, arrest, abduction, threat, attack and others.
According to WJWC, 17 out of 18 journalists are still held captive by the coup d'état's militias, where they are being subjected to the worst forms of torture and suffering from serious health conditions, while one journalist has been detained by al-Qaeda in Hadhramaut.
The organization focused also on the case of journalist Yahya Abdulraqeeb Al-Jubaihi who was sentenced to death for allegedly communicating with Saudi Arabia-led coalition forces, in an attempt by the coup militia to impose a state of fear on society.
Women Journalists Without Chains stressed the need to protect journalists and media workers covering armed conflicts from attacks and hostile acts in accordance with international humanitarian law, according to which journalists are categorized as civilians, provided they do not participate directly in hostilities.
It called on all international and human rights organizations, the world's free people and supporters of freedoms and rights, especially the United Nations and the International Federation of Journalists, to exert pressure on the Houthi militia to release kidnapped journalists before going into any peace plan.
The organization sees doing so is essential to test the seriousness of the coup's alliance in regard with its commitment to the conditions of peace, i.e. the full compliance with the Security Council resolutions and the outcomes of comprehensive national dialogue.
WJWC emphasized the importance of investigation into all attacks and hostile acts against journalists, and of punishing parties and individuals standing behind these violations, as they in the first place target freedom and the right of people to knowledge and to express their opinions and beliefs.
Women Journalists Without Chains also urged media outlets and press organizations to train their employees in the field of occupational safety in order to contribute to maintaining the safety of field journalists- who cover war, armed conflict and violence-, honing their skills and raising their awareness of the risks surrounding their work.


text:
Home Loans Savings Guide
It's the biggest bill in most household budgets, which is why home loan savings can add up to thousands of dollars.
Guide Contents
How to find a cheap Home Loan
The internet has given borrowers more power than ever before to find a cheaper Home Loan interest rate.
With so many online comparison sites, finding the cheapest home loan is now easy. (Whether you'll be eligible is another matter, but more on that below.)
Follow these 6 steps to find the cheapest rates around:
- If you already have a mortgage, check your current interest rate and fees so you know what you're paying.
It should be on your bank statement, or you can ask your lender.
- Go to a comparison website to see what else is out there. Here are a few of the best:
COMPARISON WEBSITE RANGE Ratecity.com.au* Compares 100+ lenders mozo.com.au Compares 80+ lenders Finder.com.au Compares 60+ lenders Canstar.com.au Compares 100+ lenders
- Enter your loan size and other information at the comparison site and see what offers it displays.
Most sites will show you 'promoted' or 'partner' offers first, rather than showing you the ABSOLUTE cheapest. These are often very good deals, but if you want the absolute cheapest, look for a link or a button that says 'show all offers' or 'show offers without links'. As a general rule, if the site has a button linking to the provider, they're partnered.
- Check the comparison rate!
To stop lenders from hiding all manner of fees behind a super-low interest rate, they MUST quote this number, which takes fees into account. ASIC Moneysmart says: "It reduces to a single percentage figure the interest rate plus most fees and charges relating to a loan."
- Bear in mind that the ABSOLUTE cheapest loan isn't always the best one for you.
You'll need to decide what features you can't do without. Need an offset account? Some loans don't have them. A Redraw facility? Ditto. Not prepared to leave the big banks? Be prepared to pay a bit more for the privilege. Once you know your non-negotiables, you can adjust your search accordingly.
- Pick a winner and switch or negotiate.
Raising a better offer with your current lender will usually result in a counter-offer. Even if you have a mortgage broker, this exercise is worthwhile. Now you can show them the loan you've selected and ask them if they can negotiate with your current lender on your behalf – or find a better one.
9Saver Partner offers RateCity Low Home Loan Rates
How to know if it's the right time to re-finance
To re-finance, or not to re-finance? Weigh up the reasons for and against below to work out if now is a good time for you to change your loan.
Reason FOR: You could save thousands of dollars
You can sometimes save over $1000 a year with a lower interest rate. You might also be able to find a new loan without the same ongoing fees as your current loan.
Let's say you have a $350,000 loan paying principal & interest at a variable rate of 4.5% p.a. with monthly repayments. By switching to a 25-year loan with a variable rate of about 3.8% p.a., you could save $1637 a year!
Lenders will offer you incentives to switch too, so keep an eye out for these when shopping around. They can include as much as $2000 in cashback or gift cards, or hundreds of thousands of frequent flyer points, or waived fees, or specially discounted interest rates.
Reason FOR: You can access equity in your home.
If you need money to renovate, invest, or buy something, re-financing can be a way to release some of the value you've built up in your home. Changing to a loan with a redraw facility or another way to access the funds, for example, allows you to access funds at the same interest rate as your mortgage.
Reason FOR: You could pay off your loan faster.
By shortening the length of your loan, you could end up paying it off faster. But beware that your repayments will also rise, so you'll need to be able to cover that.
Reason FOR: You could fix.
A fixed rate loan locks in your rate for a set period of time. When fixed rates are low, as they are right now, it can be a great way to make your interest costs and repayments predictable for the next year or 2 or 3 or 4 or 5.
Reason FOR: You could find a loan better suited to your life stage.
You might need an offset account or a redraw facility or a line of credit home loan, as you grow older and your needs change.
Reason AGAINST: You might already be on a great deal.
If you're on a good wicket, why re-finance? But it pays to shop around and see if you're still getting the right treatment from your lender every year or two. To shop around, follow the 9Saver Guide to 'How to find a cheap home loan'.
Reason AGAINST: Fees, fees, fees…
Common Fees when closing out a loan
- Discharge Fee, to get out of your old loan: $200-$400
- Exit fee (if you took our your loan before July 2011, or you have a fixed rate loan): can cost thousands
Common Fees when taking out a new loan
- Application/establishment fees, to cover the costs of opening your loan: $200-$600
- Valuation fees, to pay an independent valuer to assess the property: c$300
- Settlement fees, for the lender to arrange the funding: $100-$300
- Legal fees, for the lender's solicitor: $75-$150
- Package fees, a monthly cost that some lenders charge in exchange for giving you a discount on the variable rate: $100-$500
- Lender's Mortgage Insurance, if you're borrowing over 80% of the property value: can cost thousands
Reason AGAINST: Your Credit Rating
Your Credit Rating is the number lenders use to assess your credit history and decide how likely you are to pay them back. It's been called your "financial CV"!
It can have a positive OR negative impact on the interest rate you get. And making repeated applications for loans or credit cards or other credit products within a short period of time can lower your Credit Rating. So be careful.
You can read more about Credit Scores and how to check yours for free at ASIC Moneysmart.
9Saver Partner offers RateCity Re-finance Home Loans
Variable versus Fixed Rate Loans
Are you better off with a variable rate or a fixed rate loan? Or a mixture of the two (aka a split loan)?
That all depends on you, and what's most important to you.
Want to know exactly what your loan will cost you for the next year or 2 or 3 or 4 or 5? Considering fixing!
Prefer to gamble on variable rates going down over that time? Go variable!
Here are some pros and cons of fixed-rate loans, and a few recommendations from our partners:
|Predictability: Fixing your interest rate gives you the ability to plan around what your home loan costs will be, without surprises.
|Inflexibility: If you decide to move, or your financial circumstances change, you might have to pay to get out of a fixed rate loan.
|Savings: If you get a good fixed rate and variable rates rise, you could end up saving money on interest. But there is no guarantee. You might end up paying more or less over time – it all depends on your timing and the rate you lock in.
|Fees: Some fixed rate home loans have a fee when you apply. Also, because the lender is promising you a fixed rate for a fixed period, they are allowed to charge you an exit or break fee if you end the loan early (unlike variable loans, which cannot have exit fees since July 2011).
9Saver Partner offers RateCity 3yr Fixed Rate Loans
Should you use a broker or deal direct with lenders?
More than half of all mortgages in Australia go through a mortgage broker.
When deciding whether to use a broker or to deal direct with lenders, here is what you need to think about:
The Benefits of Brokers
- Discounts: Brokers buy in bulk, so they might be able to get a better deal than you from certain lenders. The flipside of this is that they often steer you towards the lenders they prefer to deal with! So they may not compare the whole market for you.
- Paperwork: Brokers take care of a lot of the red tape involved in a loan application, which can be confusing for those of us who don't deal with it day-in, day-out.
- Customer service: Brokers are middle-men (or women). They save you time comparing all the loans out there and when dealing with banks and other lenders, it can be a relief to have someone in your corner to stick up for you or push their weight around if need be. Brokers perform this role for a lot of customers.
The Benefits of Dealing Direct with Lenders
- Control: Brokers prefer certain lenders, because their commissions get bigger according to how much business they can send to a particular lender. So using a broker might mean you're channelled towards a particular product, when you wanted someone to compare the whole market for you.
- Risk: Brokers' clients tend to borrow more and take on more risky loans such as interest-only loans, according to research by ASIC.
- Cost: Brokers get paid by the lender, so they don't charge you directly. But all up, brokers get over $2b in commissions a year and that adds 16 basis points to the cost of the average home loan, according to a UBS report.
Top tip
Some of the cheapest home loans on the market are NOT sold through brokers, so that they don't have to cover the cost of the commission. If you're prepared to do the extra work yourself, you could get a lower rate.
4 Quick Questions for a Broker at your first meeting:
- How many lenders do you deal with?
- Which lender do you put the most loans through and why?
- What are the upfront costs of the loan?
- Are you a member of the MFAA? (This is the peak body for mortgage brokers in Australia and requires members to abide by a Code of Practice.)
The Mortgage Industry's Worst-Kept Secret
All lenders advertise their "standard variable rate" for home loans, but it's an open secret in the mortgage industry that almost no-one pays that interest rate.
Behind the scenes, the bank and its brokers offer just about everybody a discount off the variable rate. The size of your discount depends upon factors such as how big your loan is, your LVR (loan-to-value ratio), and your negotiating abilities.
So, what are the REAL rates being charged to borrowers?
Here's the difference between the average rates advertised by major banks, and the REAL rate that some borrowers actually pay for three common loan types, according to Reserve Bank data^ published in August 2017:
|Owner-occupier, variable, P&I
|5.2% p.a.
|4.4% p.a.
|80 basis points
|Investor, variable, P&I
|5.8% p.a.
|4.8% p.a.
|100 basis points
|Owner-occupier, variable, interest-only
|5.8% p.a.
|4.6% p.a.
|120 basis points
Top tip
If you're paying more than the average REAL rate above for your loan type, or getting a lower-than-average discount, it might be time to ask your lender to 'please explain'.
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Housing and construction
The growth of the Helsinki Metropolitan Area is based on economically, ecologically and socially sustainable development. Major new residential areas will be developed and provided with good public transport connections, primarily on rail.
The joint land use plan for the Helsinki region combines the development principles and solutions for the regional and social structure and the transport system for the target years 2025, 2040 and 2050+.
Situated between the city plan and the regional plan, the plan is a general description of the future structure of the Helsinki region, i.e. the metropolitan area: important junctions, locations for housing and workplace construction, and a transport network that links it all together.
About a quarter of all residences in Finland are located in the Helsinki region. Of these, approximately 700,000 residences, one third are in detached houses and two thirds are in blocks of flats.
The objective in the Helsinki region is to build approximately 12,500 new residences per year. In addition to new construction, particular attention will be paid to the condition of the existing housing stock and residential neighbourhoods. Demographic groups that require special attention with respect to housing arrangements include young people entering the housing market, students, senior citizens and people with disabilities.
Right-of-occupancy housing
The Helsinki region forms one joint market area for the right-of-occupancy housing. The municipalities in the Helsinki region also have a joint queue number system for the right-of-occupancy housing. Queue numbers can be used to apply for right-of-occupancy housing in any municipality that belongs to the market area.
Application process for right-of-occupancy housing complies with the common resident selection criteria. The official duties of right-of-occupancy housing are centralized in Helsinki. Espoo takes care of their own official duties for right-of-occupancy housing even though it is part of the joint market area.


text:
Democrats use children rather than help them
My intent is not to change his mind because by his own words he has long closed that to any differing opinions, but rather to better inform those who still might seek facts in order to make their decisions.
The reauthorization of this program failed for substantive reasons to include:
The existing program, which is administered by the states, is not reaching the intended target, children. New Jersey spends over 55 percent of its funds on adults while Minnesota spends over 70 percent of its on adults. Should we be covering adults when we have not covered all the children?
The reauthorization would have extended eligibility to families making up to $83,000. How can this be called a plan for poor children?
The original plan was for children up to 16 years of age but under the reauthorization it was extended to 25. Is that a child?
A bipartisan congressional study said these new provisions would encourage movement from private to public insurance providers, i.e. socialized medicine.
What the president requested is a guarantee that all qualified children would be covered. The Congress under Democratic leadership would rather use the issue politically than meet the needs of children.
Additional facts, it was a Republican controlled House and Senate that approved the original S-CHIP bill and, finally, if you think Bush's ratings are poor, I suggest you check out the present Democratically controlled Congress.
Owen McDonnell


text:
Loans are made for almost any purpose at low, simple interest rates established by the CSCU board of directors. Interest on consumer loans is calculated on the daily unpaid balance. Repayment of installment loans can be made easily through automatic transfers between CSCU accounts, by debiting another financial institution or online. Payments may also be mailed or presented to any of our member service representatives. Early repayment, in whole or in part, may be made without penalty.
Loans without collateral are regarded as signature loans, and the amount available is based on income, credit history and the ability to repay. Loans in excess of the signature loan limits require collateral and are limited by the type of collateral and the amount of monthly payment that you are able to afford.
Lending Hotline: 580-718-4050
Loans we offer at CSCU are:
- New and used cars/trucks/vans/boats
- New and used recreational vehicles
- New and used motorcycles
- New and used camping trailers
- New and used tractors
- Signature loans
- Mortgage loans
- Home equity line of credit (HELOC) loans (disclosure)
- Share (Savings) secured loans