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This guest post was written by Henry Truc from Go Banking Rates, a website that brings you informative personal finance content and helpful tools, as well as the best interest rates on financial services nationwide. Follow them on Twitter at @GoBankingRates.
For most homeowners, paying down their mortgage loan is akin to fighting off the plague, but the dream of one day owning their home in full keeps them going. Unless you're flush with cash, buying a house usually means taking on a sizable amount of mortgage debt, and with that, forking over a fortune in interest payments.
Conventional wisdom suggests that owning your home outright is the smarter financial strategy. You don't owe lenders anything, you save money on interest payments and you're one major step closer to financial independence.
That said, there are some disadvantages to owning 100 percent of your home equity that should be considered.
Disadvantages of Owning Your Home in Full
Though it's debatable whether or not there is such a thing as good debt, paying off your mortgage in full does reduce certain opportunities for better use of your money. Home loan debt isn't necessarily a bad thing and here are a few reasons why:
- Tax Deductions: One of the most popular reasons for maintaining mortgage debt is the tax advantages that you enjoy on interest payments. It doesn't necessarily make sense on its own because owing money just to save money on interest defeats any economic purpose. It does, however, effectively reduce the cost of that debt.
- Greater Financial Flexibility: Instead of having no cash in the bank and a mortgage paid in full, it may be a good idea to tap into that equity just to ensure that you have some access to cash if an emergency arises. If you pour every dollar into paying down your mortgage and don't have anything left over for home repairs or one-off incidents, you could be positioning yourself in a tough spot to handle any costs of unforeseen events.
- Cheaper Debt: If you can get a good mortgage rate, chances are it's multiple times less than your credit card, personal loan or auto loan interest rate. Consolidating your debts with a home equity line of credit or home loan refinance can provide you some debt relief and help you save money on interest payments. Plus, mortgage interest payments are tax deductible, unlike credit cards or other personal loans.
- Property Value: Since your property value isn't affected by your mortgage balance, you can put your equity to better use than just having it sit around idly by, waiting for you to sell your house. You may want to consider taking out a loan against your home for value-added investments like remodeling your home or adding another bedroom that will increase its market value.
- Return On Investments: By the same token, you can probably do better with your home equity than having it sit around earning a zero percent return. Depending on your risk tolerance and the potential return on investment, you may be able to outpace a low fixed mortgage rate. Granted, no investment is guaranteed and you'd be hard pressed to find a CD rate that trumps your mortgage rate. So for practical purposes, putting your home equity at risk to pursue any investment may not be a shrewd idea.
Keep in mind that these options should only be considered if you own a majority of your home equity or own your property outright. Mortgage debt is still debt. Whether you owe a balance on your first mortgage, are refinancing to consolidate other debt with higher interest rates or using it to fund a home improvement project, you're still taking out debt on your home. Before agreeing to any home loan, use a mortgage calculator to ensure that you can afford the monthly payments first.
Advantages of Home Equity
Owning your home, whether outright or just a majority of the equity, has undeniable advantages. The more equity you own in your home, the more stable your financial situation may be. The peace of mind and stability of not having to worry about meeting mortgage payments is hard to put a price on.
You shouldn't consider taking on more mortgage debt against a home you have little or no equity in. In addition, if you are fortunate enough to be in a financial situation where you can own your home outright, be debt free and have a surplus of savings to invest wisely, you may not need to access your home equity at all. The key, as always, is to find the right balance that fits your financial strategy and maximizes the efficiency of your money.
Do you think it's better to own your home outright or to owe a small mortgage balance?
86 Comments
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We just paid our house off last November and it sure feels great. Just like getting a huge tax free raise. Remember a Dollar earned is a Dollar less taxes but a Dollar saved is a whole Dollar. Go back into debt…I think not
Common Sense, I did exactly that, paid off the house while setting aside for my emergency.
It was not so much an emergency as a certainty.
I have MS and I knew that someday, it was going to get me.
If more people though of getting old that way, as an inevitability, we would have fewer homeless.
I wholly own the condo where I reside outright and I'm ever so glad I do.
I became partially disabled in 1997, lost my job in 2008, and haven't been able to find work since.
(People have problems with my mobility issues. I can't begrudge them that even though I am no more likely to cause their insurance rates to go up than any of the other employees. [Try telling that to someone who works in HR. Don't waste your breath… {If you walk in leaning on a cane, you might as well not have shown up. Is amazing how the light just goes off in their eyes, even before you've had a chance to get asked the first interview question.}])
I see no reason for letting the fact that I can no longer dance be the reason for putting me in a snow covered cardboard box somewhere along the Jersey Turnpike.
Its cheaper for me and my wife to stay here in my 1,200sqft condo in Jersey City than it would be for me to rent a 400sqft apartment somewhere far out of town.
Ownership is the difference.
What can I say? When I bought my house 6 years ago, I put a lot of money down (like 70% of it's value). Because of this, I am stil "above water". However, my home value has dropped so much that if I bought my house today with that money, I wouldn't have any mortgage. Buying a house was the dumbest financial decision of my life. Every time I see it I want to puke.
BCL1.. the dumbest financial decision of your life was *not* paying off your home 100%, it was buying a house in an inflated market.
You made a great decision to pay off your home, but a bad one to buy one when you did. Since it seems 99% of everyone is stupid.. Wait for interest rates to be ridiculous before you *buy* a home outright.
-Everyone else waits until interest rates are low to buy, and supply and demand dictates that house values will be inflated then.
For anyone else out there who needed to read this far.. Don't buy a house *until you need the space*.. When will that be? Probably when you need 3-4 bedrooms to house your family.. Sell it as soon as you only need 2 bedrooms..you can easily find a nice apartment in most markets with 1-2 bedrooms. The only way you get ahead on a house vs. an apartment is if you own the house in full and bought it when values were *low*.
You'll save money on maintenance in an apartment, you'll save money on electricity, and you'll have the freedom to *move* if the neighborhood goes down.. Try to sell a house after you've been the victim of a break-in… You'll get the point then. You want to move, and you can't find anyone who wants to buy your place, possibly for years. If the same thing happens in an apartment, the worst case is you lose a few thousand breaking your lease immediately or you have to wait a few months to end it the right way.
Big believer in zero debt for myself, but I'm glad there are a bunch of suckers out there to keep the American economy going by living above their means; Spending all their money as well as money they haven't earned yet. My sister, who is not the best money manager, received a windfall and paid off her mortgage and invested the rest in the stock market (I advised her not to put all her eggs in that basket but she was enthralled with the dividends, not understanding, what goes up, must come down.) I am so happy she used some of that money to pay off her house because at least she has something to show for that money now.
You must look at real estate as a long term investment. Looking at it any other way will give you anxiety attacks because the housing market always goes up and down. What wasn't normal in the current housing crisis was banks giving out loans to unqualified people. This increased demand causing housing prices to artificially increase in value very quickly. Those people are out of the game now and the rest of us are stuck with houses whose value has decreased. But, with immigration and births, our population will continue to grow and with an increase in population you have an increase in demand, it's just a little slower growth. Of all the things you could have invested your money in, your house was the best investment, if you can hang on to it till the value goes up again.
Agree with all, owning a home is so much better than an apartment. I pay less for my mortgage and utilities right now than any apartments in my area of the same size, except that I have lake access and a 1.7 acre lot thats between a canal and a dirt road:)
So I save money, the kids can go out into MY yard and play, and I'm earning equity..
not to mention the second bedroom I added, and the number of improvements I've made that raise the value of the house, I only plan on owning the house for a total of three years, and I should make an extra 75k profit after selling it. Wouldnt it be nice to make an extra 25k a year?
ALSO I got the $8,000 tax credit from Mr. Obama.
mmm.. taxes AND money seems to be on the OWNING a house side.
I LOVe having my house paid off.
No worries about payments, no worries about the rent being raised, no worries about the landlord selling the house and I have to move,and I can use all that money I used to pay on principal and interest for other things, split between building capital, and having some fun in life.
I bought less house than I could afford, but enough to fill my needs,and paid it down as much as I could, so it was paid for in about 6 years. 6 years of sacrifice for decades of rewards.
To paraphrase a scene from Animal House:, "Son, being drunk, stupid and in debt is no way to go through life"
Brad, you could not be more correct. I read your comment and thought, "Brad just ended that discussion because he's absolutely right!"
Man, what banker/broker/insurance salesman wrote this. They should be in jail for false, predatory or dare I say stupid advertising.
Unless there is a viable financial advantage debt is wrong, wrong, wrong. Co-ownership is never friendly.
Owe ye no man mney.
Man, what banker/broker/insurance/snake-oil salesman wrote this. They should be in jail for false, predatory or dare I say stupid advertising.
Unless there is a viable financial advantage, debt is wrong, wrong, wrong. Co-ownership is never friendly.
Owe ye no man money.
NOT… That is the stupidest advice! By owning my home now I freed up $1200 a month to add to my rainy day fund which I could not do before because I was paying an investors rainy day fund. Society has been brainwashed to believe debt is good. Debt is okay in moderation but only that. My parents and grandparents had no debt their entire lives because they learned the hard lessons of the great depression of the 1930s. Cash only don't buy what you cannot afford until you can afford it. I am much more financially sound. I will not deny that it was not easy but now the Deed is mine yippee…
The only redeeming value to this article are most of the comments. People dream about paying off their home, not having more mortgage debt. Nice to see some post-artice common sense.
There is no way being in debt is sound financial practice. I paid our house off 3 years ago, put the $25,000 I was paying per year to the bank aside and paid cash for a rental house. Now I have $900 a month extra income, 2 houses paid for, no mortgage payments, and am working towards buying another rental.
Going into debt for home ownership is not an investment.
Your home should never have been thought of as a investment. its a place to sleep, eat, entertain, raise a family…
Getting a loan for purchasing a home in not an investment- its GAMBLING.
How many real estate bubbles bursting do you have to witness over the decades before you realize that this is a game you should not play.
If i follow the logic that bankers and realtors tell me, I will own three homes in my lifetime with an average stay of 7 years. Assuming I buy the same price house each time (with a 30 year 5% mortgage), in 44 years, I will have paid $202k interest in the thieves game called amortization.
I will also have paid $44K in property taxes and $20K in Realtor fees.
So my true 44 Year investment = $416K paid for a house worth $150K.
But not to worry. bankers, realtors, and the ignorant say my home value will increase 8% a year…forever!!!
With all that compounding interest, my $150K "investment" will be worth 1.5 Million in thirty years!! where could I possibly go wrong with that!!
The truth is that, in my twilight years, my $150K will NEVER appreciate to the $416K I have paid for home ownership.
Housing only appreciates because of the availability of loans to pay the inflated prices -not supply and demand. housing prices would crash if mortgages were outlawed.
Housing will always ride on top of a bubble that requires it to burst periodically, in order to lower the values enough for people to qualify for a loan and start the bubble growing over again.
So buy an expensive home, pay it off quickly, and never go into debt again.
Red Pill Post
This guy is an A$$ Clown. "Buy Silver Crash JP Morgan" is a better place to save your money. The whole system is about to crash. Good luck people and check out the web page.
Unfortunately one never "owns" their home. I can pay off the mortgage till the cos come home, but if for some reason I can't pay the property taxes? What happens? All of my paid off "equity" is confiscated by the municipality in which I live. So for all intents and purposes one is always paying "rent" on the property your now paid off house sits on. Everything else one purchases one owns including a car once it is paid off. Not so your house. So much for paying off the mortgage.
Is the author retarded or just born stupid?? What an idiotic trash article.
Br'er Shaygetz
Can only echo what has already been pointed out…namely…what utter, mind numbing bovine effluvium.
Mrs. Accountability
One of my coworkers always tells me that I should never get rid of my mortgage fully but I always have to remind her that my payments are so low that I can't use the interest for tax deductions. Good article, it points out that paying one's home in full is a good idea but when you just can't, as in the example Little House pointed out when a mortgage is just terribly high, at least you can use some of the options mentioned.
.-= Mrs. Accountability´s last blog ..I Love Amazon Prime and Thanks for Shopping Through My Amazon Link =-.
You are always going to need a place to live, yes?
And rent will always go up (not to mention other things being out of your control, such as your landlord getting foreclosed upon), while your mortgage has an end.
Property taxes will most likely be way less than what you would pay for a similar property in rent.
I don't see the downside in owning an asset that historically has appreciated, since you must pay to live somewhere anyway.
.-= M´s last blog ..Saved Quarter Challenge =-.
William H
I only have 8 years left on my mortgage and I'm looking forward to pay it all off since I'll free up over $20,000 a year. More then enough to put away in a IRA, Roth IRA, and/or Savings Account. It's money that won't be locked up and I'll have access to it when I need it.
Ronald R. Dodge, Jr.
Now my shot at the reasons given above:
1) Tax deduction
What tax deduction? As I knew going into the deal, I wasn't going to have enough for the Schedule A to use the itemized deduction over the standard deduction. Hecks, the interest rate is only 4.99% stated APR. As such, this argument doesn't apply.
2) Financial Flexibility via Emergency Fund
This does make some financial sense as having no money at all for those rainy days makes no financial sense. If you are in dire financial straits, then you may be forced to go with a very small Emergency Fund. But then you wouldn't be worrying about paying down a mortgage either as chances are, you would have other debt with much higher after tax basis effective annual percentage rates than what your mortgage would be. On the flip side, if you are within close range of paying off the mortgage, you may want to go ahead and do that knowing your emergency fund is going to be temporarily low, but then use the extra cash to build that emergency fund right back up.
3) Cheap Mortgage Rate
This is a depend type deal, but chances are, I would only have the mortgage if I was having to deal with other high rate debt that needed to be gotten rid of. On the other hand, because of how banks tends to be with requiring escrow accounts which earns absolutely nothing for the borrower, I would be much apt to avoid the mortgage route.
4) Property Value
The ups and downs of property value is primarily a function of inflation. As for adding onto the home, I would only do that if it made financial sense for other reasons.
5) Return On Investment
As said earlier, I would not be likely to do this, at least not with my primary residence home. That particular home is considered to be a safe haven and as such, there should be no economic risks other than what can't really be avoided on such safe haven type deals. If I had other property, that may be more likely to do, but then again, it would still have to be greatly monitored.
I purchased a home for myself and children at less than half of market value for cash with an inherited IRA. Yes, I paid big taxes to cash it out, but not nearly as much as I would have in mortgage interest. Now, as a proud homeowner of a nice home, I can say, it is a beautiful thing to be debt free. If at all possible, pay your house off. That's your biggest debt.
Absolute crap peddled by bankers. They make their money by keeping you indentured to their debts for life.
There's a youtube video called Banking – the Greatest Scam on Earth. Anyone thinking there's a supply and demand to inflation is kidding themselves, the banks control the supply, and thus control the price.
Equity = mortgage = debt = hard labor.
You should only do this if you're really desperate, or really crazy and want to screw the banks over posthumously, and then you should take out a double mortgage and kill yourself, after burning the money. Take out numerous payday loans too, and burn them as well.
- Is Paying Off Your Home Mortgage A Bad Idea? « Reflections by Ron Schenone - [...] I am $1,000 a month ahead of the game.This is the way I see it.What do you think?Comments welcome.Source…
- Little House in the Valley - [...] past week, an article I hosted by gobankingrates.com (Is Owning Your Own House Outright a Bad Idea?) received a…


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MAC Matte - Diva
172 reviews
85% would repurchase
Package Quality: 4.3
Price: $$$
Package Quality: 4.3
Price: $$$
INGREDIENTSOctyldodecanol, Ricinus Communis (Castor) Seed Oil, Silica, Tricaprylyl Citrate, Ozokerite, Isononyl Isononanoate, Paraffin, Phenyl Trimethicone, Microcrystalline Wax\Cera Microcristallina\Cire Microcristalline, Ethylhexyl Palmitate, Caprylic/Capric Triglyceride, Copernicia Cerifera (Carnauba) Wax\Cera Carnauba\Cire De Carnauba, Ascorbyl Palmitate, Tocopherol, Vanillin, Acrylates Copolymer, Polyethylene Terephthalate, Stearyl Steaoyl Stearate, [ /- Mica, Titanium Dioxide (CI 77891), Iron Oxides (CI 77491, CI 77492, CI 77499), Blue 1 Lake (CI 42090), Carmine (CI 75470), Red 6 (CI 15850), Red 6 Lake (CI 15850), Red 7 Lake (CI 15850), Red 21 Lake (CI 45380), Red 28 Lake (CI 45410), Red 30 Lake (CI 73360), Red 33 Lake (CI 17200), Yellow 5 Lake (CI 19140), Yellow 6 Lake (CI 15985), Yellow 10 Lake (CI 47005)]
Age: 18 & Under
Skin: Acne-prone, Fair, Cool
Hair: Blond, Wavy, Fine
Eyes: Blue
This is the perfect dark red colour for autumn and winter and I absolutely LOVE it!!! I find it hard to wear any other time of year but it is definitely a must buy! I love the matte-ish formula but it definitely needs a lipliner, please don't wear it without lipliner people or else it will bleed outside of your lipline...I hate that! It is slightly warm toned so I feel like it makes my teeth look slightly yellow compared with cool toned reds however, I still love this lipstick and will be wearing it throughout autumn and winter this year!
Age: 19-24
Skin: Acne-prone, Tan, Not Sure
Hair: Black, Other, Other
Eyes: Black
Diva- macs intense, sultry lipstick! On me it's a very dark red while on my friend who is bit fairer it looks like a burgundy colour. I love the matte finish, makes it look more sophisticated, the colour is a show stopper! People look twice at you because like I mentioned it's very sultry. Perfect for fall due to its darkness but I love wearing it in summer as well. I can only wear diva if my outfit is dark so generally black tops and dresses. Looks great with leather too! I could never stop repurchasing this! If you want to try vampy colours but you're afraid to try diva first. It's dark but not like cyber or smoked purple. Diva may be compatible to colours like media and hangup but I don't see much resemblance on me.
Age: 19-24
Skin: Normal, Fair, Neutral
Hair: Black, Straight, Fine
Eyes: Hazel
LOVE Diva! For ages, I was wearing Russian Red. I began to think it was red enough, but not deep enough. I didn't want something more purple, or more brown. Just darker! Diva is just that! Smooth, no feathering, no crusty garbage, sinks in nicely.
Age: 25-29
Skin: Combination, Fair-Medium, Neutral
Hair: Brunette, Wavy, Fine
Eyes: Brown
I went to MAC yesterday looking for fall colors and I ended up buying Diva and Rebel. I'm in love. I've been wearing Diva since I tried it on in the store. It's the perfect vampy red, it's matte so lip balm is a must, but overall it's those purchases I certainly do not regret. Maybe HG, I'll have to come back to you on that one!
Age: 19-24
Skin: Oily, Fair-Medium, Cool
Hair: Brunette, Wavy, Medium
Eyes: Green
Diva is a beautiful, rich, "Oxblood" color. I went into MAC specifically asking for a fall color, winter color and one that I could wear during the holidays. The MAC MUA gave me Diva to try on and I loved it. The reason why I took one lippie off was because it does fall into the little lines on my lips. I know it matte, but i just feel its more noticeable. Either way, I will still be repurchasing this color (:
Age: 30-35
Skin: Acne-prone, Medium Brown, Not Sure
Hair: Brown, Other, Other
Eyes: Brown
This is my everyday red during colder temps. This past winter I rediscovered an old frost color I had sitting around, O, and started wearing them together for a beautiful deep red with an ombr� finish. I get compliments all the time!
Age: 18 & Under
Skin: Dry, Medium, Not Sure
Hair: Black, Other, Other
Eyes: Brown
This colour is perfect for a medium skin colour, I can pull this dark colour off for everyday wear without it looking over the top! It is a matte wear but I love it regardless!
Age: 30-35
Skin: Oily, Fair, Cool
Hair: Other, Wavy, Fine
Eyes: Green
My only, my favorite "red". More burgundy with berry undertones, I rarely wear this full on, even though it's gorgeous full on, and sexy, and vampy. Day to day though, I wear it blotted on and sheered out with a burgundy lip liner for a full, just bitten, berry-stained look. The look is so beautiful and perfect for any time of the year, for any occasion, and most make up, although lately, I've been going super minimal on my eyes (just mascara and maybe falsies if I'm in the mood, no liner or shadow).
Matte formula. I love MAC's mattes, we get along so well, but some may find it drying. My tube is years old (I've only just rediscovered it) and I'm finding that the actual bullet can go dry and feel chalky from time to time, I'm not sure if a newer tube would feel the same (I should get a newer tube), but my other MAC mattes have never had this problem. I rarely use this lipstick without some sort of balm and find that this easily fixes the dryness issue.
Lasting power is average for a matte lipstick, a few hours maybe, when worn sheerly. The more vampy/darkly I apply it, the higher the upkeep.
VGIII is similar, but more brown-toned, whereas I'd classify Diva as more berry-toned.
nw15-20, hazel green eyes and dark blonde/light brown hair, mid-thirties.
Age: 30-35
Skin: Combination, Fair-Medium, Warm
Hair: Brunette, Curly, Medium
Eyes: Green
I didn't think I was lipstick girl until I met this one. Before, I stuck with my Clinique Black Honey and just suffered through constant reapplications. I've tried low end to high end, and none worked. The nude lip look didn't work for me at all, and every other color I've tried just felt silly or clownish. I did like one from MUFE, but not enough to reapply. It was frustrating to feel like my face was never done. I would have a perfect makeup day, except for that. I knew that MAC Matte was supposed to have amazing staying power, but had pretty much given up on my lipstick search. They just all looked wrong. I decided to give it one more shot and asked a sales associate to help me find something natural. She humored me, and we tried about 4 billion shades that matched my lips and did nothing for my face.
AND THEN. She said to me, just try it. You don't even have to wear makeup with this and you will look better. MAC Diva. I was more than familiar with the color, it's freaking everywhere. But it always looked a bit scary for my face. Well, I put it on. Oh my god. I was transformed and I am not exaggerating. And I can literally wear this with just a tiny swipe of mascara and look done. A tiny dab adds just a hint of stain that is beautiful, and full coverage with this is so dramatic and amazing. No hint of clown. Just beautiful, grown up, put together color. I can't express how much I love this and wish I'd tried it sooner.
Age: 25-29
Skin: Dry, Dark, Warm
Hair: Black, Kinky, Other
Eyes: Brown
I went to MAC looking for a nude lipstick for my Back to Mac and couldn't find any that looked good with my skintone....so I went for a red and ended up with this after trying many colors! I don't like a heavy lipstick look, so I put Cherry liner underneath to brighten it a little and then a sheer layer of Diva, and it ends up looking great with my skintone. I hate looking for lipsticks so I would repurchase this rather than look for something else, but it's not necessarily HG.
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Graham Wallace discussions have gone done well with Ally McCoist
Matthew Lindsay, Chief Football Writer / / Sport
ALLY McCoist has welcomed the opening of talks between Rangers fans and the Ibrox chief executive Graham Wallace.
Wallace held a series of meetings with representatives of the three main supporters' organisations in the last week.
And he has floated the possibility of members of the Assembly, Association and Trust forming a fans' committee.
The former Manchester City chief operating officer has stressed the need to work with the fans since being appointed back in November.
And the get-togethers he has held at Ibrox in the last few days are the beginning of that process.
McCoist has consistently praised the backing supporters have given the club during their off-field difficulties in the last two years.
And he is hopeful the club and their backers can work together to help return the Glasgow institution to the top flight.
He said: "It's brilliant. Without doubt the over-riding constant and positive from the past two years has been the support from the fans.
"The very least they deserve is their voice heard. The chief executive said as soon as he came in that he would certainly be listening to them.
"I know he has meetings with the fans' groups and representatives within those organisations. That can only be a good thing for the club."
Meanwhile, McCoist has confirmed he will be without midfielder Lewis Macleod for the visit of Brechin to Ibrox today.
However, he is optimistic the youngster will be fit for the William Hill Scottish Cup meeting with Dunfermline on Friday night.
He said: "Lewis is out. The doc has had a look at him and we've done one or two wee tests. But I'd be very hopeful he's back for the cup game."
McCoist added: "Nicky Clark will be in a boot for three weeks. We are not in a great place for forward players. We have big Jon Daly, but not a lot in terms of out-and-out centre forwards. Andy Little can play there, but also in midfield."
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Shawn Mathis Wayans (born January 19, 1971) is an American actor, DJ, producer, writer and comedian who starred in In Living Color and The Wayans Bros.. He is the brother of Keenen Ivory, Damon Sr., Marlon, Kim, and Nadia Wayans.
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Common room is dirty, Kitchen is dirty. Flooring (the carpet) is in poor condition in all the hostel. a different kind of flooring rather than carpet would be more suitable for this hostel. A kind of hard flooring can be cleaned easier.
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What Being Healthy Has Meant to Me During PregnancyKateTietje
When I got pregnant the last two times, I wasn't that healthy. Especially the first time. I didn't eat well, I was a bit overweight, and so on. My experience with pregnancy this time, when I've been much healthier, has been entirely different. And it's pretty cool to note that some things I simply thought were "par for the course" in pregnancy turned out not to be, at least not for me, this time.
I thought I'd tell you a little more about what worked for me, and what a difference it really has made for me.
Constipation. Weight gain everywhere. Bleeding gums. Leg cramps. These are just a few of the not-so-fun pregnancy symptoms that are really quite common, and which I experienced with my first two pregnancies. I was sure that they just "happened" and there was nothing I could do about them.
Turns out, I didn't have those things this time around.
In my first two pregnancies, I ate "pretty well" — at least by most standards. I had a lot of salads, fruit, lean meats (no red meat at all), low-fat foods, and so on. But I did eat a lot of snack foods, rely frequently on boxed meals (I was student teaching and very busy during my first pregnancy), and other processed foods. I started my first pregnancy a little overweight — around 143 lbs. at 5'3″, placing my BMI around 25. I experienced lots of not-so-pleasant pregnancy symptoms that didn't signal any real problems, but were definitely annoying to deal with. After my baby was born, I was so nutritionally depleted that I felt sick all the time, got something like mono (I was never tested but it lasted 5 weeks and I've never been so exhausted nor had a throat so sore), and just felt…bad.
It was in the last months of my second pregnancy that I started to discover foods like coconut oil and kind of embrace a different way of eating. It wasn't until my son was about 9 months, though, that I got really into sprouting grains, eating grass-fed meats, not restricting my fat intake at all, drinking raw milk, and so on. I felt great. My lowest weight was about 112, which was really too little on my frame — I didn't get a normal period until I hit about 125 and settled there (making my BMI about 22).
That's how I went into this pregnancy — at a healthy weight, feeling good, eating very well. I had lots of butter, grass-fed beef, eggs, coconut oil, fruits and veggies, and so on. I was careful to eat the most nourishing foods available to me.
There were a lot of symptoms that I had experienced in the past that I did not this time, including:
*Spotting/bleeding — I had at least one spotting episode in both my first two pregnancies; I didn't have anything like it this time at any point.
*Weight gain "everywhere" — I gained weight before in my hips and waist and felt that I looked more 'fat' than pregnant. This time I've been all belly.
*Leg cramps — Any time I'd stretch my legs out, the muscle would cramp up horribly and be so painful, even after I massaged it out. I haven't had that happen a single time this pregnancy.
*Anemia — I was always anemic in my third trimester, with my iron levels being around 10. This time they were easily 12.5 at 28 weeks and I didn't have to take any supplements or do anything special to keep anemia at bay.
*Constipation — I struggled with this a lot in my first two pregnancies, but haven't had an issue this time.
*Heartburn — I had it several times throughout both my first two pregnancies. I've only had a few bouts this time, just in the last few weeks as baby's gotten really big.
*Bleeding gums — My gums were so sensitive they'd turn the toothbrush and rinse water literally red before. That hasn't happened this time at all.
So as you can see…I had a totally different experience! I keep looking for the same "signs and symptoms" this time as I did before. But it's not happening. I've also carried this baby longer than my previous pregnancy — I had my son at 38weeks, 4 days; I'm at 39 weeks now and no signs baby's planning to show up any time soon. Most women do have subsequent babies earlier, especially if they are close together (not enough time to re-build nutrient stores) but I'm carrying mine longer.
I'm just really excited that some of the annoying parts of pregnancy aren't necessarily "par for the course," at least for me!
That said, I did experience increased fatigue (at times; I'm doing better at the end of pregnancy than in the past; I don't need daily naps!) and increased back pain. I felt like being thinner meant that there wasn't extra weight on my hips/backside to "balance" the extra weight out front, which caused me more strain/stress. My chiropractor and massage therapist have helped a lot with this, but it has been harder. I also experienced longer-lasting morning sickness (which was combatted primarily through eating very fresh foods, I couldn't stand to cook or eat much that was cooked for a long time!).
So now I just wait to see how the labor and birth ultimately pans out! I'm curious how that will be different, as my labors were looooong and exhausting with my first two. This time I've had a LOT more pre-labor, and hoping for a faster active labor. But we'll see!
Have you ever noticed striking differences in your pregnancies, if you've had more than one?


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Whether it was Yu Darvish (!!) or Who Darvish (??), suddenly much of America was enraptured by Tuesday night's perfect game bid like it was one of those presidential speeches interrupting a regularly scheduled program — or, even, a "Bachelorette" finale.
The Rangers' Yu Darvish flirted with greatness, and in a Twitter world, it was fascinating to see a newsfeed filled with baseball talk. That's what's cool about 1. Sports, 2. Twitter, 3. America, and 4. Being just so super-bored on a Tuesday. We all cared. Together.
Alas, imperfection. Darvish pitched perfect baseball into the ninth, and with two outs, Houston's Marwin "Bad News" Gonzalez singled to ruin the fun, and this sound played in everyone's heads.
It also led to a litany of bad puns, though this one made me chuckle from @kylefeldscher: "No soup for Yu!"
I liked that the perfect game bid came so soon into the season, because that, complemented with Monday's blissful opening day, was a one-two punch reminding us to wake up — baseball is back, and all is well.
Darvish's bid was to pitch just the 24th perfect game, including Don Larsen's in the 1956 World Series and two in 1880. Last season was bonkers, with a record three in one season, including one by Seattle's stud Felix Hernandez. On Twitter, as Darvish mowed down Houston, now in the American League West, @ramthebuffs tweeted: "king felix is salivating."
Yes, the Astros are astronomically bad, now in a division with some of baseball's best hurlers. (Or how's this nickname — Hurling Darvish? Yeah, probably a stretch.)
I mean, really, what are the chances that Tuesday's was the last perfect game/no-hitter that'll go into the ninth against Houston this year? Meanwhile, will the Astros throw eight perfect innings all year?
Indeed, perfectos are normally thrown against Astro-y teams. So I asked on Twitter — what's the best end-of-year record of a team to ever be "perfect gamed?"
I was connected with a guy named James Smyth, the broadcaster for the Bluefield Blue Jays, Toronto's rookie ball team in West Virginia. Our guy, @JamesSmyth621, pointed out, "2010 Rays (Braden) and 2004 Braves (Randy Johnson) were 96-66. 1956 Dodgers (93-61) have it by win pct."
The '56 Dodgers, of course, were the team that lost to Larsen and the Yankees.
Flipping it, Smyth also tweeted: "Worst to get 'perfect gamed': '64 Mets (Bunning) 109 L, '12 Astros (Cain) 107, '81 Jays (Barker) 37-69 (105-L pace)."
Cain's perfect game leads to this infinitesimal percent chance. So the chances of someone attending a perfect game are minute (there have only been 24 in over 125 years). Then, what are the chances that someone attends a perfect game not in the city they reside? That happened to one of my closest friends last year, when Charlie Anderson of Minneapolis was in San Francisco for work, decided to check out the ballpark at witnessed Matt Cain's perfect game. Unrealz.
Two of the best national baseball writers each caught my eye with Tweets late Tuesday. The NY Times' @TylerKepner pointed out, "It's twice as rare for a perfect game to be broken up by the 27th man as it is for a perfect game to actually be pitched. So there's that."
Yu became fifth pitcher in last 25 years to lose perfect game with two outs in the ninth, according to ESPN Stats & Info. (By the way, @ESPNStatsInfo is like the best follow on Twitter besides @AmandaBynes.)
And Yahoo's @JeffPassan threw a Darvish-y fastball on Twitter. One might recall the 2011 Rangers twice had St. Louis down to the final out of the World Series. Both times, St. Louis got a hit — thus winning Game 6 and then Game 7.
So Passan tweeted: "Well, at least Rangers fans know what it feels like to be one out away. #duckingforcover"
Soon, a Dallas-based site than analyzes trending topics (@TrendsDallas) said that @JeffPassan is now trending in Dallas.
And Jeff retweeted one of the tweets he received: "(Expletive) You. I hope you get a urinary tract infection or something."
Oh, Twitter.
Benjamin Hochman: 303-954-1294, firstname.lastname@example.com or twitter.com/nuggetsnews


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Not that I did not want more...but DS health issue put us back until he was two then life circumstance just keep pushing us back until we finally tried for the last few months...and NOTHING. I am feeling discourage partly because I realize now I am 35 (DH is 4...things are against us and I don't want DS to be too far in age with another baby... I wanted another one since DS was born but I am feeling not wanting to re-live those newborn time as DS is getting older... Sorry, just venting. How is everyone's situation?
Any July 11 mommy still only have one child? Update** One child no more, expecting twins!
DS (4)--My ECMO baby
Dec'14 ^Identical Twin DDs^ (15 weeks) EDD 05/26/15
Cautiously expecting my Rainbow Boy EDD 03/21/16 RCS 03/18/16
I have a DS born in July 2011 and we've been trying everything in our power since April of 2012 to have another with no luck. I got pregnant with my July 2011 baby so easily and had no problems. Then something changed. I've had 3 miscarriages in the past year and a half due to Trisomy 22. I guess I carry a bunch of Trisomy 22 eggs.
I just got another positive pregnancy test last Monday. I'm praying this one sticks but I'm not getting my hopes up. We were due to start an in vitro cycle this week but then I never got my period and took a test and it was positive again. I'm praying it's not another bad egg but only time will tell.
Oh - and I know what you mean about reliving the newborn phase. It's so exhausting. This age - 3 - is just great. But I still want another one so badly. I was never ready to stop after my first. I was planning on having 3 or 4. Now I would be happy with one more healthy one.
We haven't ruled out a second child, but I think the earliest I'd be willing to try is next autumn. Best of luck to all of you who are trying for your second baby!
Congrats!!! I hope lots of sticky baby dust on you...
DS (4)--My ECMO baby
Dec'14 ^Identical Twin DDs^ (15 weeks) EDD 05/26/15
Cautiously expecting my Rainbow Boy EDD 03/21/16 RCS 03/18/16
Thanks for those who replied... You guys are like old friends to me... I went to the "getting pregnant" group but it is just too board and hard to find someone with similar situation. I am just glad I am not alone in this...I have baby fever a long time but yet I am also sick of it... I do agree 3 is such a good age to do a lot of fun things... I miss having a baby but those days are tough... DS is not an easy baby as well...from his birth complication to some linger health scare, from not drinking milk as an infant (so I have to put feeding tube in him) to being a picky eater (also not a sleeper until 18th months). But, he is just perfect now...(totally a mommy's boy with a hint of drama)!
DS was conceived without trying so all these trying stuff is just exhausting... I tell myself, God gave us a easy progress to conceive but save the drama for later...maybe if the next on is not so easy to conceive, we will have a smooth sail later... I can live with that if it is true but hopefully not too hard on the conceiving part that I just want to throw in the towel... We just starting trying but it is tough! Having a 3 years on top of it just make it more challenging...
DS (4)--My ECMO baby
Dec'14 ^Identical Twin DDs^ (15 weeks) EDD 05/26/15
Cautiously expecting my Rainbow Boy EDD 03/21/16 RCS 03/18/16
DD1: 07/06/11- RF in a Clek Fllo & Radian RXT
DD2: 05/05/15- RF in a Blvd CT & Graco Mysize
Mom10021 - We are in the same boat. I've written on here numerous times about how my son puked 3x a day from the day he was born! He also never slept! He was SUCH a difficult baby and toddler. Things are finally settling down a bit.
So I hope you're right. Given the next one has been so difficult for us to conceive, maybe we'll have an easy baby!! One can only hope!
Another mom to only 1 chiming in. We had a miscarriage a while back and now that I'm 40 I just don't know if more are in the cards. Still 3 is a great age and I'm kind of glad I have been able to give LO my full attention for 3 years now that he'll be starting preschool next month.
Baby #1 ( . )( . ) Platinum
Baby #2 ( . )( . ) Gold...
We still just have the one...but frankly unless we win the lottery its going to be a few more years before we can even consider number 2. We cannot affoard $2500 a month in child care, nor can either of us give up our jobs. And if we ever have ANY hope of OWNING a home...well it just plain sucks that even though we have money we live in such a high cost of living area that we cannot have another and still stay afloat.
...is this thing on?
reductio ad absurdum ruby


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Enterprise has also received high marks for keeping a solid financial house.
The annual independent audit of the city's finances shows no discrepancies.
The 2012 fiscal year report shows the city had more than three-and-a-half million dollars in reserves. City Clerk Steven Hicks credits sound conservative planning with increasing the city's reserve….


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jimgum 22-25, M 11 Answers 3 Nov 22, 2012 in Dating & Relationships
I was told cuz they can.
Best Answer
Laughing...... Oh brother.... How was THAT for sexist?
Best Answer
Honey that's not what I play with,with my man
Best Answer
Because they can and the same goes for the other way round.
Best Answer
They don't want too go out and work I guess
Best Answer
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Originally posted by Chewingonmushrooms
I think that people will start to hunt together. I imagine that if SHFT then there will be very little electricity and almost no refridgeration, so a lone hunter hunting a 500 pount deer isn;t going to be hungry enough to eat the whole thing for himself. It would make more sense to hunt deer with a group of hunters, conserving energy and kill one deer for an entire small town and either have one big feast as a unit or divide parts amongst themselves.
Originally posted by ldyserenity
reply to post by dr_strangecraft
Well one good sized buck could last an entire season at least. But with as many humans there are I agree. But what's wrong with growing food?
Originally posted by Sparky63
Just because people hunt it doesn't mean that they are skilled enough to kill. Growing up,I spent a lot of time in the woods without killing anything. I didn't kill my first deer until I was 14.
even in good times, with technology, hunting takes a tremendous amount of effort:


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Money makes you do these! - Everybody definitely listens when Money talks.Check out these random people facing the Dollar Dare.They will do anything imaginable if the price is right.Check out this Great video from RealityKings guys.


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My Disturbing Encounter with the Mind of PETA : Nathan J...
Dr. T:
http://www.edcubed.com/ Find my passion in learning.
When I carry the Internet connection in my pocket and consider I used to download at 300 bits per second, I pause to think.
Hmm.... what's next? Quarkology?
My desk - a computer = awesome
A bit much with the zombie thing. But, it IS bread.


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To avoid being charged the recurring subscription fee, simply cancel before the free-trial period ends — it's just $7.99 a month afterward.
Norton 360™ delivers comprehensive, easy-to-use protection that keeps your PC running at its best, and works hard to defend you, your computer, and your files from nearly any threat.
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One big promise from Symantec for this latest edition of Norton 360 was improved performance. My own tests confirmed this, in spades. In fact, the results were so good that I didn't believe them.PC Magazine (US), March 1, 2011
Norton 360's firewall is truly excellent... At present I consider this the best firewall of any security suite.PC Magazine (US), March 1, 2011
Norton 360 does its best to ensure you'll back up your files by making the process really, really simple.PC Magazine (US), March 1, 2011


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Reviews for this FedEx Office Print & Ship Center2/11/2016Cathy was great!. Read more2/10/2016Juan is amazing, I really enjoy his service every time I go in there! He's always super friendly and always gets the jobs done on time. One… Read more2/9/2016I was trying to print some custom made cards. Cathy helped a lot. She made recommendations that I was very pleased with. I really liked the… Read more2/6/2016The personal greeting was very friendly, and since I use the feex office quite a bit, it was nice to be treated as a repeat customer at the… Read more2/2/2016Cathy was so helpful! She rocks!!. Read more1/30/2016Cathy Juan was FANTASTIC! I came in a panic right before closing and not only was she able to help me, she was so nice and patient with me!!. Read more1/29/2016I would be remiss if I did not bring to your attention the excellent service I consistently receive from FedEx staff member, Juan, at the… Read more1/21/2016It would be great if you made it clear ahead of time that you need PDFs in order to print. I'm also very surprised you don't carry photo… Read more1/20/2016I was promptly helped by Cathy, she was really helpful and got the order done really fast. Cathy was personable and very professional. She… Read more1/18/2016Cathy was awesome. Very knowledgeable and friendly. Read more1/12/2016Juan is great! Helpful and does the job perfectly every time!. Read more1/12/2016Sunshine was extraordinarily knowledgable, efficient, helpful, prompt and friendly. She completed my complicated, last-minute order during a… Read more1/7/2016Sunshine was the team member who assisted me, and she was very friendly and efficient. Read more12/4/2015I came in to the office right as it opened at 8am, needing to print a poster for an extremely important presentation at 9am. Something had… Read more11/14/2015I am a college student who was stressed out about printing a major poster out just hours before my presentation. I walked into FedEx nearly… Read more11/5/2015Juan always does a great job with our orders. This Stanford location is really wonderful for all my printing and odd job needs. Juan is… Read more11/1/2015Juan was very available -- even though the printer wasn't working, he made sure to call me back and alleviate my fears (I had a huge… Read more10/19/2015Juan was very helpful. He took the time to explain the process and also some other services I can use in the future to make binders… Read more10/14/2015Both team members at the Stanford location—Juan and Sunshine—were friendly, knowledgeable, and they helped me with printing and binding… Read more10/2/2015Sunshine was amazing! Very professional and helped me out so much. I was basically lost and she made our event a success. Read more
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Kim Kardashian in Designer Jeans
Kim Kardashian in Black Orchid Jewel Skinny Jeans in Ice
Kim Kardashian and Kayne West were snapped while celebrating Thanksgiving together in Miami. Kim wore her Black Orchid Jewel Skinny jeans in Ice with a matching gray tank top and black heels.
Kim has been a fan of pairing these jeans with neutrals like gray and black, which I think looks great with the frayed edges of the hems. Usually, I find Kim's style too over the top, but I like how she's adding some edgier pieces and keeping things simple. You really can't go wrong with jeans and a t shirt. Buy Black Orchid online at their website.
Kim Kardashian in J Brand Skinny Jeans
Kim Kardashian and baby North were seen leaving their apartment in New York City. Kim has been spending time in the city while Kanye is playing concerts on the East Coast.
Kim wore a brand we haven't seen her wear in quite some time, J Brand. She wore them with a Chicago Band graphic print tee and heels. I am actually a fan of Kim's toned down look lately, however, it has been freezing on the East Coast! This would definitely be an outfit better suited for LA. You can buy J Brand jeans online from Shopbop.com.
Kim Kardashian in Current/Elliott Ankle Skinny in Black Destroyed
Kim Kardashian and Kanye West were spotted leaving their apartment in New York. Kim wore a pair of Current/Elliott Ankle Skinny Jeans in Black Destroyed with a BLK DNM leather jacket and some Balenciaga pumps.
It looks like Kim did a little customizing to these jeans by adding a new tear to the right leg and opening up the one on the left some more. I think she did a really great job with the new additions. They add to the worn look of the jeans even more and feel like they are natural. You can click here to purchase these jeans and the jacket from Shopbop.
Kim Kardashian in Black Orchid Jewel Skinny Jeans in Ice
Kim Kardashian and fiance Kanye West were photographed while heading to dinner in New York City. The couple also brought along their baby North. Earlier in the day, Kim was seen doing some shopping and having lunch with her friend Lala Anthony.
While out, Kim wore a pair of Black Orchid Jewel skinny jeans in Ice with a matching gray t shirt and a black moto jacket. Kim seems to be keeping her style a little simpler these days, which I like. I also like that it appears that she cut off the bottom of these jeans and left an unfinished hem. I like how the fraying adds a bit of toughness to the look. You can buy Black Orchid jeans online from Revolveclothing.com.


text: Comments (2) + Add comment Comments (2) Featured sayedstafa + 1037d ago I've always wanted a GOOD Batman Beyond game. His stealth in the show always made me think of Cyborg Ninja of MGS. And the huge open world city with flying cars would be really awesome if done right. #1 Agree(0) | Disagree(0) | Report | Reply TopDudeMan + 1037d ago If they give me more of the same gameplay featured in city and asylum, then I'll be one happy d00d. #2 Agree(0) | Disagree(0) | Report | Reply Add comment You need to be registered to add comments. Register here or login Username Password Remember Rules & guidelines Login


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Based on a recent trip (Nov 2014) to the Kuman area within the context of Scripture Use Research (SURAM), it appears that EGIDS level 3 is too high. There is a NT in Kuman (though it is poorly used), but there is no other literature and there do not appear to be any elementary or primary schools that teach the vernacular. In two of three places the team visited, the younger generation was no longer using Kuman. The SURAM report on Kuman says the following: "The Ethnologue's claim that Kuman is at EGIDS level 3 (Trade) is true in the sense that Kuman functions as an oral lingua franca for the whole Simbu province, in addition to Tok Pisin. The exact extent of the knowledge of Kuman in the province (and its role vis-à-vis Tok Pisin) remains to be investigated, but native speakers of other languages in the province (such as Chuave, Dom, Sinasina and Golin) all report a good grasp of Kuman. However, an EGIDS level 3 presupposes that all the requirements for levels 5 (Written/Incipient Literacy) and 4 (Educational) are met as well, such as sustainable literacy and institutional support for education in the minority language. This is clearly not the case in Kuman (see section 5.7 for details), and with the reported and observed shift to Tok Pisin happening in several areas, an EGIDS level of 6b (Threatened) is a better reflection of the current reality for Kuman."
No action taken.


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Sacramento Kings File Lawsuit Over Exercise Ball Incident
SAN FRANCISCO — The NBA's Sacramento Kings are suing three companies in federal court over an exercise ball they say burst and injured one of their players.
Roger Dreyer, a lawyer representing the team, said Wednesday swingman Francisco Garcia broke his right wrist in October 2009 after the ball – known as the Gymnic "Burst Resistant" Plus Stability Ball – actually did burst while Garcia was laying on it lifting weights.
The lawsuit seeks $4 million from Italy-based manufacturer Ledraplastic, ball distributor M-F Athletic Company and Ball Dynamics International. That's how much the team says it paid Garcia during games he missed because of the injury.
Calls made to Ball Dynamics and M-F Athletic were not immediately returned Wednesday.
Dreyer said a laboratory examined the broken ball and determined it was not abused before it exploded.
"It was advertised to be burst-resistant, but obviously it was not," Dreyer told The Associated Press. "We will be able to prove that, for a very small expense, the ball could've been made more thicker and provided the burst-resistant capacity as advertised."
Garcia missed 57 games during the 2009-10 season, shortly after the Kings signed the guard-forward to a five-year contract extension worth nearly $30 million.
Dreyer said the Gymnic "Burst Resistant" Plus Stability Ball has since been banned from the Kings' training room. He said the Kings notified strength and conditioning coaches throughout the NBA, who have also stopped using the ball for bench press exercises.
"The main concern I have is to make sure this doesn't happen to anyone else," Kings co-owner Joe Maloof said in a release Wednesday. "We want to ensure other teams – from high school players to other professional sports franchises – understand these balls are dangerous."
Dreyer said the ball's distributors now have a disclaimer that warns people not to use weights with the ball.
"The manufacturers have a duty to let consumers know, but they never provided that to the Kings," Dreyer said.


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- 11
A cover letter for customer service resume is the most important document of your job application package. In fact, it is your first contact with a prospective employer and you do not want to spoil it.
Your cover letter along with your resume for customer service job will determine whether a hiring manager will accept your candidacy or not. Nearly half the applicants for a customer service job are rejected just after the recruitment committee looks at the cover letter. A poorly written cover letter will let hiring managers perceive that the candidate is not a good match with the advertised position or that their skills or experiences is not relevant. Therefore, your letter should be written in a way which grab the hiring manager's interest at the first glance.
Customer Service Cover Letter Tips
● Tailor your letter to the needs of employer.
● Don't use Dear Sir / Madam as your salutation. Try to address the letter to a specific person – if you want fruitful results.
● Clearly state which customer service position you are applying for with accurate job reference number. Remember, companies are often hiring on multiple positions simultaneously.
● Don't allow careless errors (Illogical phrases, poor grammar, typos) to creep into your letter. In this case, search committee will consider you as a non-serious candidate who is not serious in obtaining job.
● Keep away from aggressive, overconfident or pushy tone.
● Don't use weak language such as "I feel" or "I believe." Instead, use confident language such as; "I am confident" or "I am certain."
Look at the following sample which tells what a good cover letter for a customer service position should look like.
Special Thanks to Karen Ardan for Proofreading
Customer Service Cover Letter Example
Florence Gale
9 Example Street, #1 EA
Bethel, CT 02311
(099) 900-9019
florence @ email . com
January 11, 2015
Ms. Natasha Kirk
Manager Admin & HR
Bloomingdale Stores
2 Quaker Ave
Bethel, CT 02355
Dear Ms. Kirk:
I am very interested in the position of Customer Services Associate at Bloomingdale Stores that was advertised on your website. My extensive experience and skills in the customer service arena makes me the right candidate for this job. With my ability to deliver friendly and courteous service as well as knowledge of presenting a positive image of the company, I am certain to become a key member of your customer service team.
I am a strong candidate for this job because my skillset perfectly complements with your requirements. For instance, I have a demonstrated ability to welcome guests in a considerate manner, deal effectively with customers of different backgrounds, respond to concerns and resolve issues, perform verifications and maintain records of all clients. My education and experience has enabled me to understand and manage administrative work efficiently with minimum or no supervision.
Furthermore, my friendly attitude combined with my customer care training will allow me to manage problems of Bloomingdale Store's existing customers and analyze the situational factors in a better way. As required, I possess good computer skills including internet, social media, email, MS Office applications and spreadsheets.
The enclosed resume which additional information about my qualifications and experiences. I will contact your office next week to follow-up and finalize a time of interview. If you need to contact me in the meantime, please call me on my cell phone at (099) 900-9019.
Thank you in advance for considering my credentials for Customer Services Associate position at Bloomingdale Stores. I look forward to meeting with you soon.
Florence Gale
Enc. Resume


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The University of Texas at Austin to Help Celebrate Unveiling of Tejano Monument at Capitol on March 29
March 27, 2012
Musicians, educators and other members of The University of Texas at Austin community will play a proud role in the March 29 unveiling of the Tejano Monument, a multistatue monument on the south lawn of the Texas Capitol grounds honoring the contributiRead more
Experts Offer Analysis of Issues Facing 82nd Texas State Legislative Session
Jan. 11, 2011
January 11 marks the beginning of the 82nd Texas State Legislature. While the state budget and redistricting are set to be the most pressing issues that the legislature will tackle, a myriad of other issues are likely to come before the session. Faculty experts from The University of Texas at Austin are available to discuss policy and political issues from a variety of perspectives.Read more


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This rechargeable label maker is great for professionals looking for portability, as well as the ability to create more customized labels using a computer. The included, rechargeable Li-ion battery pack provides on-the-go use, while the AC power adapter (also included) is perfect when labeling at a desk. The ultra-fast print speeds and automatic cutter help to power through large labeling jobs. The large, keyboard-style layout enables easy and accurate typing when on-the-go or standing, while the sizeable, Brother™ Vivid Bright graphic display and intuitive one-touch formatting keys support labeling in most any environment. For added functionality, connect to your PC/Mac via the included USB cable to create labels using the included P-touch Editor label design software‡. Create custom labels using logos, TrueType® fonts or symbols on your PC or Mac. Print labels up to 24mm wide, with large crisp text up to 48pt. The PT-H500LI is compatible with durable, TZe series tapes – great for indoor applications or harsher environments – such as outdoors. Choose from a variety of colors and sizes, including Extra-strength adhesive, Acid free‡, Cable and wire, Tamper evident, Fabric iron-on, Super narrow or decorative Simply Stylish. The split back tapes offer a hassle free application, with easy peel and stick.
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EducationBack to homepage
Sen. GOP Blocks Cal State Confirmation 2
FEB. 28, 2012 By JOHN HRABE The Senate Republican Caucus scored a major victory for taxpayers Monday by blocking the confirmation of the embattled chairman of the California State University Board of Trustees, Herbert Carter. Senate President pro Tem DarrellRead More
Cal State Pay Scandal Repeats 1990
FEB. 27, 2012 By JOHN HRABE Under Herbert Carter's tenure, the Cal State University system has approved "hefty salary increases" for its top executives "without public input" during the state's "most dire funding predicament." Those aren't quotes from recent newsRead More
How About a Longer School Year? 31
Commentary FEB. 24, 2012 By JOHN SEILER One reason California schools perform so poorly is that the state's educrats, instead of improving instruction, commonly look for gimmicks to cover up their own failures. In my 25 years of writing aboutRead More
10 Reasons Why Cal State Chair Carter Must Go 5
Commentary FEB. 23, 2012 By JOHN HRABE Herbert Carter's reconfirmation as the chairman of the California State University Board of Trustees could be taken up by the State Senate as early as today, Feb. 23. Cal State University lobbyists haveRead More
Follow the Money to Find School Scandals 1
Commentary FEB. 22, 2012 By CHRIS REED The proposal of a Democratic assemblyman to keep students from eating at food trucks instead of school cafeterias is ostensibly about public health, obesity and food safety. But while nanny state motives mayRead More
Sens. Oppose Cal State Exec Confirmation 0
FEB. 17, 2012 By JOHN HRABE Herbert Carter's reconfirmation to the California State University Board of Trustees was dealt a major setback Thursday, as two Republican state Senators announced their opposition to his pending nomination. Sen. Joel Anderson, R-Santee, andRead More
Senators Flunk High CSU Exec Pay 0
FEB. 17, 2012 By DAVE ROBERTS In California's highly partisan political world, there are few issues on which most agree. But a rare unity was achieved last July when the California State University Board of Trustees awarded the new presidentRead More
Cal State Chair Nabs Committee Nod 2
FEB. 16, 2012 By JOHN HRABE The Senate Rules Committee quietly voted Feb. 15 to reconfirm Herbert Carter to a second term as Chairman of the California State University Board of Trustees. Carter, who has served as the board's chairmanRead More
Cal State's Phony Pay Cap 3
This article originally was posted on Flash Report. It is a follow-up to a CalWatchDog article. FEB. 16, 2012 By JOHN HRABE The Cal State University Board of Trustees has been busy. When they aren't raising student fees or blamingRead More
Cal State Prez Salaries Top Facebook Exec 13
FEB. 14, 2012 By JOHN HRABE Facebook's Chief Operating Officer Sheryl Sandberg is one of the country's top executives. Under her tenure, the company has increased its user base tenfold—to more than 750 million users worldwide. That's to be expectedRead More


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FIFTY24SF Gallery David Choe SF Men's Shirt in White.
100% Cotton
Design by David Choe
Features a front side screen print design.
Sizing: M = 20" across chest, 28" in length.
Measurements are in inches and are approximate.
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Doctor Myles Bradbury jailed for abusing young patients
A cancer specialist who abused 18 boys in his care in Cambridge has been jailed for 22 years. Dr Myles Bradbury admitted committing 25 offences including sexual assault while working at Addenbrooke's
By: vickieroy | Comments: 16 | Views: 700 | Votes: 0 | Shared: 0
Location: Cambridge, Massachusetts, United States | Leaked: Dec-1-2014 in Other News
3-D View from Bradbury Landing Site
This 3-D image from NASA's Curiosity was taken from the rover's Bradbury Landing site inside Gale Crater, Mars, using the left and right eyes of its Navigation camera. Between the rover on the righ
By: abkebab | Comments: 9 | Views: 1028 | Votes: 2 | Shared: 0
Leaked: Sep-5-2012 in Science and Technology
There Will Come Soft Rains - Будет ласковый дождь - Ray Bradbury [animation]
A touching short Soviet Russian animation set in the future post apocalyptic world. It's taken from a short story in Ray Bradbury's famous book, "The Martian Chronicles" (1950) which was also
By: wakeupnow | Comments: 2 | Views: 1359 | Votes: 2 | Shared: 0
Location: Russia | Leaked: Jun-6-2012 in Creative, Other Entertainment
Sci-fi master Ray Bradbury dead at 91
LOS ANGELES — Ray Bradbury, the science fiction-fantasy master who transformed his childhood dreams and Cold War fears into telepathic Martians, lovesick sea monsters, and, in uncanny detail, the
By: Hiarken | Comments: 12 | Views: 4930 | Votes: 0 | Shared: 0
Location: Los Angeles, California, United States | Leaked: Jun-6-2012 in Other News
Ray Bradbury speaks about WRITING!
Ray Bradbury has just been awarded a Pulitzer Prize Citation from the 2007 Pulitzer Committee, for his contribution to American literature. Here, a 2 minute clip of Ray Bradbury's message to would-be
By: smartt | Comments: 8 | Views: 8267 | Votes: 0 | Shared: 1
Leaked: Jun-15-2007 in Other
A sexy pop song dedicated to the science fiction author... Ray Bradbury... VISIT: http://lagranjauria.blogspot.com/
By: LAGRANJAURIA | Comments: 9 | Views: 5007 | Votes: 1 | Shared: 0
Leaked: Nov-15-2011 in Sexy
Flashback - Australia's First Winter Olympics Gold Medal
Won purely by chance ..... Australian speed skater Steven Bradbury talks us through his performance at the Salt Lake City 2002 Winter Olympic Games where an incredible climax to the race opened the do
By: Aussie | Comments: 16 | Views: 1206 | Votes: 3 | Shared: 0
Location: Salt Lake City, Utah, United States | Leaked: Jan-29-2014 in WTF, Sports, History
Attempted Robbery in Bredbury west coast wines manchester uk
A shopkeeper used a broken chair leg to fight off a hammer-wielding robber. At about 5.30pm on 8 December 2013 the robber entered West Coast Wines on Lower Bents Lane, Bredbury. He pretended to
By: anglosaxonwarlord | Comments: 498 | Views: 41532 | Votes: 17 | Shared: 0
Location: Radcliffe, Greater Manchester, United Kingdom (UK/GB) | Leaked: Jan-17-2014 in Regional News, WTF
Media Literacy: Reality, Messages and Structures of Control
Sources: http://en.wikipedia.org/wiki/Allegory_of_the_Cave http://www.youtube.com/watch?v=69F7GhASOdM http://en.wikipedia.org/wiki/Spiral_of_silence http://www.youtube.com/watch?v=lJ7lAy7RCNg http://e
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Location: Washington, United States | Leaked: Feb-10-2012 in Propaganda
Suzi Perry Leaked Stripping Video
The Gadget Show's Suzi Perry accidentally caught undressing
By: willcheng | Comments: 19 | Views: 102615 | Votes: 3 | Shared: 6971
Leaked: Nov-8-2007 in Arts and Entertainment
Gang With Axes And Sledgehammers Rob Jewellers
Police have released dramatic footage of a jewellery raid by six robbers - and the chase that ended with them all in custody. The gang, who stole Cartier and Rolex watches worth £30,000 before escap
By: Tyler Blake | Comments: 22 | Views: 1634 | Votes: 0 | Shared: 0
Location: Norwich, England, United Kingdom (UK/GB) | Leaked: Oct-8-2015 in Other News, WTF
The First Light of Trinity
The light of a nuclear explosion is unlike anything else on Earth. This is because the heat of a nuclear explosion is unlike anything else on Earth. Seventy years ago today, when the first atomic
By: Detroit Iron | Comments: 30 | Views: 4151 | Votes: 6 | Shared: 0
Location: Hell, Michigan, United States | Leaked: Jul-20-2015 in History
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A rare case of cerebral vasculitis in Henoch‐Schönlein purpura with emphasis on the diagnostic value of magnetic resonance angiography (MRA) and single‐photon emission computed tomography (SPECT) given normal magnetic resonance imaging (MRI)
Department of Pediatrics, College of Medicine, Kyunghee University, Seoul, Korea.International journal of dermatology (Impact Factor: 1.31). 07/2010; 49(7):803-5. DOI: 10.1111/j.1365-4632.2010.04478.x
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All public logs
Combined display of all available logs of OWASP. You can narrow down the view by selecting a log type, the username (case-sensitive), or the affected page (also case-sensitive).
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IMDb > Lana (Character)
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David Stanger is a painter, curator and educator. He teaches a range of studio arts courses at Seton Hill University including Introductory Drawing, Figure Drawing, Painting and Advanced 2D Media.
He received a BFA in painting from Syracuse University, studied painting and Renaissance art history in Florence, Italy and earned an MFA from the Hoffberger School of Painting at Maryland Institute College of Art.
His work has been exhibited regionally and nationally at such venues as Manifest Gallery, Seraphin Gallery, the University of North Carolina at Asheville, the Carnegie Museum of Art, the Mattress Factory, the Butler Institute of American Art and the Westmoreland Museum of American Art. Stanger's work can be found in many private collections and is most notably in the collections of the Carnegie Museum of Art.
Interview with Professor Stanger @ Future Tenant Gallery
David Stanger @ Future Tenant


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Program Registration: 3:30-4:30 p.m. After you have your room assignment, come over to the Road Scholar table (located either in the hallway in front of the Road Scholar meeting room or just inside the meeting room) and pick up your welcome packet containing your name-tag, up-to-date schedule, and other important information we will review during Orientation, and to confirm the time and location of the Orientation session. If you arrive late, please ask for your packet at the front desk when you check in.
Orientation: 4:30 p.m. The Group Leader will greet you with a warm welcome and introduce everyone. We will review the up-to-date daily program schedule and any changes, discuss responsibilities, safety guidelines, emergency procedures, and answer any questions you may have.
During free time, the Group Leader will be available to guide informal excursions, activities, or meals not included in the program. You are welcome to join if you wish, with any associated costs (if any) on your own, or explore independently.
Please be aware that program activities and scheduled times could change due to local circumstances. In the event of changes, we will alert you as quickly as possible. Thank you for your understanding.
Menus are contracted for the program and are designed to offer balanced, healthy meals for the participants. This program offers two choices for meals: standard and vegetarian. We are unable to customize menus for individuals. However, we have found that by requesting sauces and dressing to be served on the side, we are able to accommodate various food intolerances and allergies. Vegetarian meals must be requested in advance on your Participant Information Form. Unfortunately, there are no other special meal options. Participants with special dietary needs should be prepared to avoid certain foods or supplement the regular meal plan as needed.
This evening, enjoy a plated, 3-course dinner plus complimentary coffee and hot tea; other beverages available for purchase in the hotel bar.
From Titian to Michelangelo, from the Renaissance to Baroque, we take a tour of the stunning art of Northern Italy. The masterpieces, monuments and churches will be placed in cultural and historical perspective.
This program offers the participant an opportunity to learn about some of the important aspects of any one of the great religions of today�s world. Each program will include a discussion of the nature of religious thought, practice and tradition and then an overview/history of that particular tradition�s worldview, practices and engagement with the larger world community. Possible traditions include Hinduism, Buddhism, Islam, Judaism and Christianity. Discussion of some of the major sects of each tradition will be included.
From Hollywood's earliest day, movie fans have been obsessed with crime, bad men and fallen women. Journey through a cinema of dark stories, memorable images and unforgettable characters, from Edward G. Robinson, Humphrey Bogart and Barbara Stanwyck to Jack Nicholson, Russell Crowe, Faye Dunaway and Kim Basinger. Sadly, they really don't make them like that anymore, so we'll celebrate the ones they did make. See film clips from Hollywood's revered classics, including Little Caesar, Key West, Double Indemnity, The Killers, The Big Sleep, The Maltese Falcon, Blood Simple, Miller's Crossing, Body Heat and Chinatown.
Tensions in the Middle East range from simmering on a good day to boiling over on a bad one. Iraq, Syria, and Egypt are currently at the latter juncture and surrounding countries are bracing themselves. Explore the broader Middle East picture starting with the Treaty of Versailles in 1919, the creation of the State of Israel and subsequent ongoing conflict with the Palestinians, the Arab Spring, the U.S. invasion and withdrawal from Iraq, and now the latest plight between warring factions in Iraq. What role will the U.S. play?
Join us as we listen and learn about Copland�s Billy The Kid, El Salon Mexico, Appalachian Spring and Rodeo; & Gershwin�s Rhapsody in Blue, An American in Paris, Porgy and Bess and selected Broadway shows. It�s all true Americana!Copland�s Billy The Kid, El Salon Mexico, Appalachian Spring and Rodeo. It�s all true Americana!
Join us as we listen and learn about Bernstein�s Chichester Psalms, On The Town, Candide and West Side Story. It�s all true Americana!
We hope you enjoy Road Scholar learning adventures and look forward to having you on rewarding programs in the future. Please be in touch via the Road Scholar Social Network, where you can share memories, pictures, and comments. Best wishes for all your journeys!


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User Reviews & Ratings - Polymyxin B Sul-Trimethoprim ophthalmic
Read user comments about the side effects, benefits, and effectiveness of Polymyxin B Sul-Trimethoprim ophthalmic.
Overall User Ratings46 Total User Reviews
User Reviews
Learn about
User Reviews
Reviewer: 35-44 Female on Treatment for less than 1 month (Caregiver)
Ease of Use
This works great with bacterial conjunctivitis. If you have viral conjunctivitis, it won't work. As most people are aware, antibiotics do not affect viruses.
Reviewer: marsufin1, 55-64 Female on Treatment for less than 1 month (Patient)
Ease of Use
this mecication my my eye very inflamed and irritated, swollen and painful
found this review helpful.
Was this review helpful? Yes | No
Reviewer: bilvis, 25-34 Male on Treatment for less than 1 month (Patient)
Ease of Use
I administered the medication as prescribed for 6 days and have not had any symptom relief. My eye is still red, irritated, and producing a discharge
Reviewer: 25-34 Male on Treatment for less than 1 month (Patient)
Ease of Use
The other comments were more scary then helpful. This may not be better... used for 5 days now. Seems betterish. Eyes are unusually dry. Still getting some discharge. Is it working???
found this review helpful.
Was this review helpful? Yes | No
Reviewer: PaPa, 65-74 Male on Treatment for less than 1 month (Patient)
Ease of Use
Did not really seem to do anything. The Dr. said that the diseases would "run its course" in about 7 days without the medication, and that is about what it will the drops.
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Showing Suppliers 1 - 20 of 21
Celanese Corporation (522 Products)
Address: 222 West Las Colinas Blvd., Suite 900N, Irving, TX
Business Type: Manufacturer
Description: Whatever your product challenge, chances are Celanese Corporation can help you meet it. Their engineered materials help designers reduce component weight, consolidate parts and meet tough specifications. Beyond high performance thermoplastics, they offer critical design and engineering support... (more)
Ellsworth Adhesives
Business Type: Distributor, Service
Description: Experts in Adhesives Ellsworth Adhesives offers over 65 adhesive, dispensing and equipment manufacturers with locations around the globe. When price and availability are critical, Ellsworth Adhesives delivers! Extensive Product Line For 40... (more)
Address: Texas - Rio Grande Valley Office 801 East Fern Avenue, Suite 127, McAllen , TX
Address: Texas - Dallas 1625 Crescent Circle, Suite 220, Carrollton, TX
Address: 11800 Rojas Drive Suite C-10, El Paso, TX
Address: Texas - Houston 100 E Nasa Road 1, Suite 203, Webster, TX
ALBIS Plastics Corporation
Address: 19901 Southwest Freeway, Sugar Land, TX
Business Type: Distributor, Service
Asia Chemical Corp., Inc.
Address: 11950 Airline Drive, Suite 300, Houston, TX
Business Type: Distributor
Birch Plastics, Inc.
Address: 5957 South Loop East, Houston, TX
Business Type: Manufacturer, Service
Chevron Phillips Chemical Company LP
Address: 10001 Six Pines Drive, The Woodlands, TX
Business Type: Manufacturer
Description: Chevron Phillips Chemical is one of the world's top producers of olefins and polyolefins and a leading supplier of aromatics, alpha olefins, styrenics, specialty chemicals, piping, and proprietary plastics. We produce chemical products that are essential to manufacturing over 70,000 consumer... (more)
Dow Elastomers
Address: Freeport, Freeport, TX
Business Type: Manufacturer
Description: If you have a question - Dow has the answer. Innovation is a key in today's highly competitive environment. When customers work with Dow Elastomers, they have the opportunity to reap the benefits of differentiated products, cutting-edge technologies and tailored solutions. The way Dow... (more)
ExxonMobil Chemical Company
Address: 13501 Katy Freeway, Houston, TX
Business Type: Manufacturer, Service
Description: A broad portfolio of petrochemical and polymer products ExxonMobil Chemical is one of the largest petrochemical companies worldwide. Our mission is to provide quality petrochemical products and services in the most efficient and responsible manner to generate outstanding customer and... (more)
Independent Plastic, Inc.
Address: 6611 PetroPark Drive, Houston, TX
Business Type: Manufacturer, Service
Industrial Polymers Incorporated
Address: 3250 South Sam Houston Parkway East, Houston, TX
Business Type: Manufacturer
INEOS Olefins & Polymers USA
Address: 2600 South Shore Boulevard, Suite 500, League City, TX
Business Type: Manufacturer
Jim Ray Company
Address: 10645 Richmond Avenue, Unit 130, Houston, TX
Business Type: Manufacturer
LyondellBasell Advanced Polyolefins USA, Inc.
Address: 100 South Mitchell Road, Mansfield, TX
Business Type: Manufacturer
Address: 4965 Preston Park Blvd., Suite 510, Plano, TX
Business Type: Manufacturer
SABIC Americas, Inc.
Address: 2500 City West Boulevard, Suite 650, Houston, TX
Business Type: Manufacturer
Solvay America, Inc.
Address: 3737 Buffalo Speedway, Suite 800, Houston, TX
Business Type: Manufacturer, Service
Total Petrochemicals, Inc.
Address: 1201 Louisiana St., Unit 1800, Houston, TX
Business Type: Manufacturer


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Remotely-Sensed Geophysical Databases: Experience and Implications for Generalized DBMS. SIGMOD Conference 1983: 146-160
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Newly created, the unforgettable eco-sensitive Two Home Compound is as inspiring, imaginative and energizing as Sam's paintings. Thru the gate ...a Zen world of waterfall walls, glass walkways over streambeds with lilies and koi, explosive Japanese gardens laden with exquisite natural sculptures. Both Artful Homes creatively embrace Nature: light filled voluminous spaces free the soul… one feels at peace enveloped by incredible beauty and unbelievable imagination.
Architect Christopher Sorensen, AIA, committed to natural materials: 500 year old Reclaimed Teak floors, walls, ceilings and cabinetry, hand carved stone vessels and baths and everywhere the unusual windows, light wells and entire walls of glass open to allow Nature inside (even the pebble stone salt water pool beaches in the Kitchen!) The impeccable taste and unquestionable quality throughout are evident by the finest in fittings, appliances, hardware, furnishings and mechanics. The jaw-dropping bathrooms and custom closet cabinetry - well, wait 'til you see! And for color, eclectic furnishings a la Sam's paint spattered studio floor add the finishing smile.


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That was me yelling at you from my car as you rode through the red light at Country Club and PeaceHaven, here in Winston-Salem.
You know all those cars that passed you going up the hill to the light (while the road was 3 lanes, and easy to get around you)? Now they all have to go around you again, and now the road is only 2 lanes, after you rode between the lanes of stopped vehicles, inches from each, including mine.
I can't ride anymore after a crash this summer, but when I did, I always wondered why people would sometimes throw things at me, or play chicken and see how close they could get, or yell at me. I rode carefully and always stayed as far over as possible, never passed stopped cars (stayed in line), obeyed traffic lights, etc. Why were they mad at me?
YOU are why.
If I (who rides in spirit, if not in body) can get mad at a cyclist, enough to yell out my window, just imagine how some of the less considerate, ignorant people who drive will feel.
If you read this, whoever you are, wake up and start setting a better example. People like you ruin it for the rest of us.


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X-E1: A few from Carnaval, Mazatlán
Started Feb 14, 2013 | Discussions thread
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A PLANNING application for a new town named after social reformer Robert Owen has been lodged today.
South Lanarkshire Council will consider the proposals for Owenstown, a development of 3200 affordable homes in the Douglas Valley near Lanark.
A decision is expected next year.
Robert Owen improved the lives and working conditions of mill workers at New Lanark 200 years ago.
Planners of the new town say it will be self-sufficient, eco-friendly and run on a co-operative basis by residents.
The Hometown Foundation, established to help build self-sustainable communities and regenerate rundown areas, is behind the project.
If given the go-ahead, the town will be built on 2000-acres near the village of Rigside and will eventually provide homes for 8000 people.
Waste would be used to heat homes and transport powered by renewable sources.
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Cobb 2040 Comprehensive Plan
Community Development has begun the initial stages of the 10 Year Update to the County's Comprehensive Plan. In the interest of providing healthy and economically vibrant communities that are vital to the state's economic prosperity, the State of Georgia requires all local jurisdictions to coordinate and conduct comprehensive planning duties through the Georgia Planning Act of 1989.
| 2016 Comprehensive Plan Amendments Pt. 1
2016 Comprehensive Plan Amendments Pt. 2
Powers Ferry Master Plan Five Year Update
Code Amendment Package February 2016
Mableton Code Information Sheet
2030 Future Land Use Map- 2015 Update
Public Announcements
Planning Studies
Zoning Analysis Information
Site Plan Review/One Stop
Sign Permits
Street Names Availability
Cobb County Code
Online GIS / Mapping
Development Standards
Riverside Redevelopment
Proposed Six Flags Road Name Changes
Cobb County Community Development Agency has proposed renaming the various Six Flags roads in South Cobb. Reasons include improving navigation int he area, improving public safety response time, and promoting new investment in the corridor. This effort includes two public meetings and two public hearings in which local residents, property owners and business owners have the opportunity to provide input regarding road names in this area. Two public input sessions were held at the South Cobb Recreation Center in January in which several community members came out to voice their suggestions. Two public hearings will be held in March, one by the South Cobb Redevelopment Authority on March 17th at 9:00 am at the Mable House Arts Center in Mableton and another with the Cobb Board of Commissioners on March 25, 2014 at 7:00 pm at 100 Cherokee Street in Marietta.