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How to Treat Anxiety by Learning and Using Coping Self Statements.
The many and various situations in which we all find ourselves usually bear a resemblance to situations in the past in one or more important ways. The thoughts and feelings that are triggered by a particular life situation are the result of both your unconscious and conscious interpretation of the situation. This interpretation is usually based upon habitual, automatic thinking patterns. The key to changing this type of learned habit pattern and treating anxiety, lies in the fact that thoughts are really silent sentences that you say to yourself. Because your emotions are partially controlled by your conscious interpretation of the situation, statements that are able to calm you down when you feel anxious and worried or afraid also help you to reinterpret the situation so that it is less frightening. Psychologists refer to these types of statements as coping self statements and they form part of the cognitive behavioural therapy method which is used to treat anxiety. These coping self statements are statements that you say to yourself, which then enable you to cope with a given anxiety provoking situation more effectively.
As an exercise, try considering the last event or life situation that you were in that resulted in anxiety. Try to remember the thoughts that were going through your mind at the time. If you take time to think about it for a while, you will probably remember that the statements of thoughts that you repeated to yourself are the same as the ones that you say to yourself in many similar anxiety provoking situations. In addition they are probably statements that actually increase your level of anxiety. It is as if your particular set of negative statements have been recorded and and are being repeated over and over inside your head. Whilst the actual, specific things that people say to themselves vary depending on the person and the type of anxiety provoking situation problem that they find themselves in, there are common themes. Here are examples of negative self-talk which are reported by anxious people to psychologists. These include the following:
- I can't stand this
- This is dreadful
- Why is this happening?
- I can't take this again
- This is terrible
- Is this situation ever going to end
- I am so stupid, why can't our even cope with this simple problem
- I'm not doing this right
- This is so stupid
- I think I'm dying
- I can't breathe
- I'm never going to get better
- I can't do this
- I shouldn't be feeling this way
- I shouldn't be acting this way
- I can't make it through this
Reducing the frequency and intensity of this type of negative self talk is a vital key to reducing anxiety. One way to do this, is to repeat positive coping self statements when you find yourself becoming anxious or worried. Initially this may only have a slight effect. However with practice it is possible to create a set of positive self coping statements or messages that eventually replace the old negative anxiety provoking messages. Gradually over time, as you repeat these messages you will find that you gain confidence that they are true. Specific coping self statements for each of the basic types of anxiety related disorders are listed below.
An important means to overcoming your symptoms, is using the self coping statements to challenge worries and fears. This enables you to stay focused on the task at hand. It is important to remember to use the worry reducing skills and concentrate on the problem and problem-solving rather than on your inadequacies or worries.
How to treat panic disorder with self coping statements.
It is important to note that panic disorder starts to develop when unpleasant symptoms are experienced and the symptoms are misinterpreted by the panic sufferer. Panic disorder is then maintained by a combination of conditioned response anxiety, internalisation (constantly monitoring your bodies for symptoms of anxiety), negative anticipation and the negative habit pattern of repeating false statements about the meaning of the body sensations that are noticed by the panic attacks sufferer. Two false statements that play a key role in maintaining panic disorder are: firstly the statement "anxiety is dangerous" and secondly "I won't be able to function properly if I become panicky". The actual truth is that, anxiety is not dangerous, it is just a very unpleasant bodily sensation. Likewise a person with a panic and disorder will find a way to get to a safe personal area when a panic attack is experienced. There are a number of coping self statements that psychologists use to treat panic disorder in their patients. Examples of these are:
- What I am feeling is just an unpleasant body sensation. It is not dangerous I don't have to let it stop me. I can continue to function even know I don't like the feelings that I am experiencing.
- Anxiety is not dangerous – just unpleasant and uncomfortable. I have survived and come through anxious feelings like this, and worse before.
- The scary thoughts that I have about my symptoms are not true – anxiety is an unpleasant nuisance and nothing more.
- I can be anxious and still function effectively. I just need to stay focused on the task at hand and ignore the anxiety symptoms.
- There is no need to fight the anxious feelings that I am experiencing. Even though I know it is unpleasant, it is just an effect from the adrenaline levels surging in my body and will pass.
- I must monitor my breathing, then focus on and describe what is going on around me. It is important to external lies and distract myself.
- My present symptoms are just a form of conditioned response. My symptoms will become less as I desensitise myself.
- The symptoms are now taking place because I reacting like a "Pavlov dog"- instead of salivating though, I get anxious and panicky when certain "bells" ring. This conditioned response is normal and will fade over time.
- My body may be reacting very strongly right now, but it doesn't really matter. This panic attack is just an old habit pattern that will pass in time.
Overcoming the obsessive thoughts of obsessive compulsive disorder (OCD).
Jeffrey M. Schwartz, M.D., who is an associate research professor of psychiatry at the UCLA School of Medicine has developed an extremely effective four step program for treating the obsessive thoughts which occur in obsessive compulsive disorder (OCD).
This treatment plan involves the following four steps: relabel, reattribute, refocus and revalue.
Step one: Relabel
This step involves recognising that when an obsessive thought takes place, it is caused by a problem within your brain and thoughts. While this problem is often described by psychiatrists as a chemical imbalance, it may also involve other aspects of the brain structure. In some ways it is similar to a patient who has a tic. The tic is harmless but occasionally it causes muscles to contract when they are not meant to. In a similar way, thoughts sometimes come into your mind that have no basis in reality. This is something that surveys have found occurs in about 80 to 90% of the population and is most likely due to automatic associations produced within the brain. For example whilst driving along you see a bus and a thought about an accident involving a bus and the car that you saw on the television news, may flash into your mind. You may even imagine what it would be like if the bus drove into you. In patients with OCD these normal random and irrational associations are much stronger and are seen as real possibilities. The brain of OCD sufferers quickly becomes overly sensitised to them, so that they trigger increasing levels of anxiety when they take place. The more an OCD sufferer gives in to the compulsive ritual, which is used to calm the anxiety that is caused by the obsessional thought, the more the brain's sensitivity to the imagined and perceived threat is increased.
Re-labelling is an effective way of dealing with these biologically driven thoughts. When these obsessional thoughts occur, psychologists advise that you re-label them as obsessions and compulsions. To give an example, Michael experienced obsessive thoughts about bacteria (germs), which he relieved by repeatedly washing his hands. This is a common obsession. When the thought occurred that he had just touched something that was contaminated with bacteria he would begin saying to himself: "my hands are not really contaminated it is just my obsession with germs and washing my hands". When he felt compelled to wash his hands he would say to himself: "I don't really need to wash my hands now, I am having a compulsive urge to perform the compulsion of washing my hands". The same approach can be used with any other obsession or compulsion such as: ordering, checking or counting.
Step two: Reattribute
This second step which is used to treat OCD is usually carried out along with the first step. When you reattribute, you remind yourself that, the powerful and intense urge to perform a ritual in order to treat the anxiety, is being driven by a part of your brain which is not functioning properly. Because of this malfunction, at least in the short term, there is nothing that you can do to make the urges and the thoughts disappear. The key message is to remember that you don't have to act on the thoughts and urges. You tell yourself that they are false messages generated by a part of your brain because you have a condition called OCD. Because you cannot make the thoughts go away, the best option is to carry out another behaviour. Trying to make the thoughts go away only increases the worry and stress and this in turn makes the OCD urges worse. If you act on the urge then this may provide temporary relief, but it also strengthens and enhances the faulty response, which in turn leads to the urge becoming even stronger when the obsession occurs again. Refusing to act on the urge actually has the effect of changing the way the brain functions and causes false neural channels to be weakened. Over time the feelings and urges become weaker.
Michael in treatment by a psychologist would be given the following advice: He would be advised to follow the statements given in the first step with statements such as: "The compulsion that I'm feeling, to wash my hands, is coming from the OCD. I do not have to act on it". Or: "It is not me, but my OCD that is causing me to think, feel and respond in this way".
Step three: Refocus
The third step, refocusing, is the process of moving or shifting your attention to something else. This may only be for a few minutes, while you delay responding to the urges which are generated by the obsessions and compulsions. When treating OCD, psychologists find that refocusing is usually the most difficult part of this four step program. Refocusing takes considerable effort and initially may result in a high level of mental discomfort. However it is important to persist with this step, in order to treat your OCD. Refocusing is the only way to change the way that the brain is functioning, and in the long run it will reduce the pain and discomfort that OCD sufferers experience.
Delaying the response for a set period of time is a good way to enable refocusing. When treating OCD psychologists recommend that you begin by delaying acting on a compulsion for a set period of time, such as 15 min. If this seems too long, then you may choose a shorter period of time to start with such as 5 or 10 min. During this delaying time, you need to find something constructive or pleasurable to focus on that is not related to the obsession or compulsion. Examples include: carrying out a task for work, engaging in a hobby, playing a computer game, watching television, or taking a walk. The vital key when using refocusing to treat OCD is to never perform a compulsion without some delay.
When the time period that you have set has passed, then re-assessed the urge. Psychologists advise that you should note whether there has been any change in the intensity of the urge during this time period. Even if there is only a small reduction in intensity, it gives an OCD sufferer the courage to wait longer. Over a period of time, you will find that the longer you wait, the greater reduction in intensity of the urge.
If you find that an urge becomes so overwhelmingly strong that you have to perform a compulsion, then be compassionate and kind with yourself. Remind yourself, that using the four step plan to change your thoughts and feelings and treat the OCD will take time. During the times when you do happen to give into an urge and carry out the compulsion after a time delay, then be certain to re-label the behaviour. For examples you may say to yourself: "I have not gone back to check whether the door is locked because I forgot to lock it, I am checking it because I have given in to my OCD. The OCD may have won on this occasion but next time I will wait longer".
Step four: Revalue
The revaluing step is a long-term goal that flows from an accumulated benefit of the first three steps. When treating OCD with this plan, as time passes, you learn to put less and less importance on obsessive thoughts or urges that occur. OCD thoughts may be annoying and unpleasant but are not important. Two factors that help in this process are learning to anticipate and also accept obsessive thoughts and urges.
By "anticipate", psychologists mean that OCD sufferers are ready and prepared for a obsessive thoughts and urges to take place again and again, because they understand that these thoughts and urges are driven by faulty brain functioning. As you come to expect that your OCD symptoms will recur, then the OCD symptoms no longer surprised you.
Acceptance is an important stage in the treatment of OCD, and refers to the development of a calm attitude towards the obsessions. Psychologist sometimes compare this to when an annoying car alarm goes off. When an annoying car alarm goes off you can choose to dwell on how terrible it is, to listen to the dreadful noise, or you can choose to ignore the alarm and focus on other activities by using distraction. In a similar way an OCD sufferer can come to acccept that this is just the way they were born. Just as some individuals are born with physical problems, such as asthma, an OCD sufferer has a brain that sometimes malfunctions, and makes obsessions and compulsions. If you find that you are putting yourself down because you have obsessive thoughts or carry out a compulsive ritual, it is important to remind yourself that these are simply due to a faulty brain function, and that you are working and learning to find a way round them. It also is important, and helps to remind yourself, that with treatment and time, the obsessions and compulsions will eventually lesson in intensity as you follow and practice these four steps.
Using coping self statements to treat post-traumatic stress disorder (PTSD).
Psychologists report that post-traumatic stress disorder (PTSD) sufferers often think that their symptoms are a sign of weakness. It is important to make the point that everyone will experience some post-traumatic stress disorder symptoms when traumatised. Psychologists teach that one of the most powerful statements for countering these feelings and treating PTSD, is to remind yourself and say, when the feelings happen that: "I am a normal person who has been unlucky enough to be in an abnormal situation".
Flashbacks are common in PTSD. An excellent statement to use when flashbacks happen is: "My mind is simply taking snapshots of the incidents and attempting to make sense out of something that is actually senseless". If PTSD sufferers find that sensations or images of the trauma are intense then they are taught in treatment to remind themselves that the frightening episode is over and that they are now safe. For example, Maxine who was involved in a terrifying and traumatic car accident would tell herself: "The accident is over. It happened in the past and I am now completely safe. I am simply sitting in my car and driving normally. I am safe. I am just experiencing feelings from the past. These are just conditioned responses triggered by the accident. They have nothing to do with what is happening in the present". In treating PTSD the statements given in the section above on panic disorder may also be useful.
Treating specific phobias with self coping statements.
Psychologists find when they treat specific phobias, that the coping self statements which are listed above in the section on panic disorder also are effective for individuals with specific phobias. It is also important as well to create and develop coping self statements that address the specific fearful thoughts that are associated with the specific phobia.
For example Sophie, who had developed a fear of water as a result of teasing by friends at school, who told her that the local pond contained piranhas,was treated by her psychologist and taught to use the following statements which she found useful: "There are no pirhanas in the water. My fear is simply a conditioned response caused by the teasing that took place when I was a child. The water is safe and nothing dreadful will happen if I stepped into the swimming pool".
Treating social phobia with self coping statements.
The central worry underlying social phobia is the belief that other individuals are watching you and judging you in a critical way. To treat social phobia successfully, the vital key is to challenge these types of thoughts and to realise that things in the adult world are very different from when you were young. The vast majority of adults who are present around you, are far too busy thinking about their own lives and problems, to spend much time or energy thinking about you. In addition, most of the adults that you meet will treat you with the same kindness that you extend to others. If you do happen to make a mistake or say or do something stupid, it's just not that important to them. It is unfortunate that many sufferers from social phobia, react to people as if they are still in in school. When in school children do tend to be very concerned with their status within the social group, and indeed can be very cruel to each other. Whilst there are a small number of adults who still unfortunately react in this way, they are in the minority and most adults have grown up and treat people in a mature manner.
How to treat generalised anxiety disorder (GAD) with self coping statements.
To successfully treat GAD, psychologists have found that the following four step analysis is very effective.
See link: http://treatanxiety.co/treat-anxiety-by-becoming-a-positive-realist
In addition to using this four step analysis technique, it is important to remind yourself that your predictions very rarely come true. When you worry, your reasoning is based on emotion rather than fact.
The PanicAway Method is an extremely effective and proven way of curing nervousness. PanicAway is more than just a way of relieving nervousness. It is a proven cure for panic.


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Reducing the perversion of diversion: Applying world-standard fish screening practices to the Murray–Darling Basin
This article is corrected by:
- Errata: Corrigendum Volume 13, Issue 3, 318, Article first published online: 14 June 2012
This article was written to highlight global mechanisms that successfully help mitigate impacts of irrigation infrastructure on fish and suggest a way forward to establish a similar programme for the Murray–Darling Basin.
Lee J. Baumgartner is a Freshwater Fish Ecologist with the New South Wales Department of Primary Industries (Narrandera Fisheries Centre, Post Office Box 182, Narrandera, NSW 2700, Australia; Tel: +61 2 6958 8215; Email:email@example.com) and Craig Boys is also a Fish Ecologist with the New South Wales Department of Primary Industries (Port Stephens Fisheries Centre, Taylors Beach Road, Taylors Beach, NSW, 2315; Tel: 02 49163851; Email:firstname.lastname@example.com).
Summary The impact of water diversion on fish populations is a global issue. Many countries have invested substantial funding into research and implementation strategies to ensure fish are protected at diversions that take water out of rivers for agriculture and other human uses. The most common management action is the installation of fish screens, and a wide range of designs are presently available that suit a large range of diversions. The Murray–Darling Basin is the largest catchment in Australia and has been substantially developed over the past 100 years to store and divert water for that protect fish from escaping into the irrigation systems. Recent studies have determined that water diversions have substantial impacts on native fish populations, but there are presently no coordinated efforts for mitigation strategies. The purpose of this review is to highlight aspects of successful screening programmes worldwide and identify those that could be directly applied to the Murray–Darling Basin. The development of similar programmes in the United States, New Zealand and the United Kingdom has identified that sufficient information and technology exists to inform the development of fish screening programmes. There is no need to commence implementation from first principles, and substantial progress can be achieved by applying successful aspects of other programmes. By identifying existing designs, defining ecological targets, developing generalised guidelines appropriate for local conditions and engaging the community, a co-ordinated and successful fish screening programme could be directly applied to the Murray–Darling Basin. This would have substantial benefits for the long-term sustainability of native fish without compromising water supply requirements.


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If you already know how to login...click the KCLS banner image below.
If you don't know how to login...you can watch the video below or follow the steps listed below. The video will show you how to login, check out an eBook, and access databases.
1) Video explaining how to login to KCLS Online
2) Here's what you need to know about your KCLS Online Resources student account:
a. Your account number is 412 followed by your school district student ID number. Example: 4120987654
b. Your password is the last four digits of your student ID number. Example: 7654
c. You'll be using databases, eBooks, and audiobooks that don't need to be physically turned in, and so, you will never have fines or fees on your student library account.
d. When you use your KCLS account at school, your teacher will monitor the resources that are using. At-home use and monitoring of your KCLS account is your parent's responsibility. Learn more here.
e. You will login to each resource when you click on it. Do not click the red login button on the KCLS webpage. It won't work for you.
f. If you have trouble logging in, it might be because your family has "opted out" on the district FERPA form for either "Directory Information for Educational Institutions and Organizations" or "Contact for All Purposes." Visit the LFP front office to make changes to the FERPA form.
Shoreline School District's Online Resources for Students
Our school district also offers online resources for students and families. Click here to get started.


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A fine 1:8 large-scale collector's model of the Aston Martin Vanquish Volante first unveiled at Pebble Beach in August 2013.
This model has been hand-crafted utilising the original CAD data supplied directly by Aston Martin and has undergone strict scrutiny by both the design and engineering teams to ensure complete accuracy.
In addition to the model shown, we offer bespoke Tailor-Made versions to any vehicle specification. These precisely detail the real car from the exterior colour and interior trim, right down to the individual options and stitching on the seats.
This model is now only available built to order and therefore subject to a price premium for singular build.


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Feel your financial situation is getting out of control? Credit Karma claims it can help you reign it in. The personal financial management company, founded in 2008, now has more than 15 million users. I recently became one of them.
When I joined Credit Karma, I had a modest understanding of things financial. I knew what a credit score is and had a general idea of why it's important. But, I didn't know much about why it fluctuates and how, specifically, I could help raise it. After a few illuminating days of using the Credit Karma site, I feel better informed and in greater control of my financial health. Here's why:
Overview of what Credit Karma does.
Credit Karma gives you continuing access to your credit report and, most importantly, your credit scores from a national credit bureau. It also provides online financial management tools and advice on how to improve your credit score and your personal finances. And, all of it is for free.
Background on what a credit score is, and why it matters.
Your credit score is an evaluation of your creditworthiness based on your credit history and a complex mathematical calculation that takes into account such factors as how much money you owe and whether you pay on time. In the U.S., the vast majority of lenders use the score generated under the FICO (Fair Isaac Corporation) scoring system, which assigns scores ranging from 300-850. (The higher, the better.)
For a fee, you can receive your official FICO score directly from FICO. Additionally, you can get a score similar to FICO from one of the three national U.S. credit bureaus: Equifax, Experian, and TransUnion. (The bureaus' scores are all FICO-similar, but each uses its own unique scoring system, so you could end up with somewhat different scores from each bureau.) Credit Karma provides free credit scores from TransUnion.
Impact of scores. Lenders use your primary FICO or FICO-similar score to determine whether you'll be approved for a loan or credit line, the amount, and the interest rate you will be charged. Surprisingly, car and home insurance companies also use your credit scores to set your insurance rates, since studies have shown a correlation between credit scores and the likelihood of filing insurance claims. The credit bureaus have come up with somewhat different types of credit scores for those insurers.
Credit Karma gives you free access to four different types of TransUnion credit scores: a) your primary, "First Account" credit score (based generally on FICO) that is used by most lenders, b) your auto insurance score, c) your home insurance score, and d) your VantageScore, a separate credit scoring model created through collaboration among the three credit bureaus in order to make scoring more consistent between them. Credit Karma reports that this newer VantageScore is used by four of the top five financial institutions, five of the top five credit card issuers, and two of the top five auto lenders. It's important to note that the types of "soft inquiries" that Credit Karma makes in order to get your scores do not count against your credit score.
A credit score is different from a credit report. Your credit report is a compilation of your credit history, created from information that each of your lenders sends to the credit bureaus. The report provides the raw data used by the bureaus to come up with your credit score. Under federal law, you are entitled to a free copy of your credit report from each of the three credit bureaus once every 12 months, so that you can check for any inaccuracies. However, the law does not require the bureaus to release their credit scores for free — those can be obtained from the bureaus for a fee. For example, Experian sells its credit score and report for $14.95.
The credit report and score from Credit Karma are – really — free.
Many companies that claim to give you a "free" credit score require you to first enroll in their credit monitoring program for a monthly fee. That is not the case with Credit Karma. You don't have to sign up for anything else in order to get your free scores and report. The services they offer are without charge; you don't even enter your credit card number.
So, what's in it for Credit Karma? It advertises goods and services from its partner companies, often by matching your financial profile with the type of services its partners offer. For example, if you have a credit score in the "good" range, it might advertise loan programs specifically geared toward people with "good" credit.
The partner ads appear throughout the Credit Karma site. Additionally, Credit Karma uses email to disseminate partner ads, but it offers an opt-out; I selected opt-out and it seems to work. Credit Karma also sends emails about the features on its site, but there is an opt-out for those emails, too.
Although Credit Karma helps its advertising partners tailor their goods and services to you by sharing general information on your financial profile, the company maintains that it does not give them your actual credit score.
The type of credit score Credit Karma provides does have value.
Some companies offer free credit scores that have little usefulness because they are not based on the FICO system. Such non-FICO based, specialty credit scores are not generally utilized by lenders, and therefore are of limited value in assessing your credit position. However, the primary TransUnion credit score that Credit Karma provides is formulated very much like a true FICO score. According to a 2013 Reuters news article that appears on Credit Karma's website, a test comparing a consumer's credit scores from several different sources — including Credit Karma – revealed that while the scores varied somewhat, they were all in a similar range, suggesting that those free FICO-based scores are useful to consumers.
It is relatively quick and easy to sign up for Credit Karma. Its short online application asks mainly for name-and-address information, plus your social security number (SSN). (Initially, it sought just the last four digits, but after input it advised that my complete SSN was needed.) Since the application page was clearly security encrypted and Credit Karma states that it does not keep your SSN on file, I took a leap of faith and complied. Additionally, the site has another security feature requiring you to answer a few multiple choice questions about your personal finances, obviously based on information in your credit report. I found the questions easy to answer. All told, it probably took me 2 minutes to complete sign-up.
Credit score and report comes instantaneously. Within seconds after my sign-up was complete, a page popped up giving my credit score, an analysis of it, and information from my credit report.
Other free financial management tools: In addition to my report and score, I gained access to a slew of interesting financial tools designed to help me monitor and raise my credit score, and to strengthen my personal financial condition.
- Link and monitor accounts. Credit Karma allows you to link all your credit accounts through its site, and then it automatically monitors them for transactions made, balances due, and payment due dates. Having your accounts linked lets you check all of your financial obligations in one place, instead of having to log onto each account separately. Credit Karma will also send email reminders whenever your individual bills are due. It also allows you to compare your linked accounts appearing online with the accounts that are listed in your TransUnion credit report to determine whether there are any discrepancies. This comparison brought to my attention a department store account that I had not realized was still open.
The process of creating the links is simple. All you need is your username and password for each account. Once I collected my passwords, it took about one minute to link each account.
- Credit score simulator. This tool is a real eye-opener. It shows how taking various actions – such as letting a monthly bill become overdue or applying for an additional credit card — could impact your overall credit score. I tried the simulator, and was surprised to learn that if I let just one monthly account go 30 days past due, my primary score could be lowered by 45 points, which would move me from the "excellent" category down to "good." On the other hand, if I paid off all my credit card balances (New Year's resolution, anyone?), my score could go up 9 points. This type of information is very helpful in figuring out the most effective way to improve your score.
- "Best of" lists of financial products. Credit Karma includes "best of" listings categorized by the factors you select as well as by your credit score range. Examples: the best credit cards for rewards or interest rates, the best loans for people with your credit profile.
- Member reviews of services and providers. The site includes thousands of Credit Karma member reviews on financial services and providers. I did a quick look to be sure they weren't all suspiciously positive, and there does seem to be a balance. Some reviews are comprehensive and there are forum-style exchanges among members about specific issues.
- Original articles and a blog on credit and financial concepts. Among them is an article on "What is a Derogatory Mark (On Your Credit Report)" and a quiz to determine whether your partner is a "financial bully."
- Financial Calculators. The site includes programs to calculate home affordability, simple loans, debt repayment, and amortization.
Is it secure? Is anything today? I did a few basic tests, including whether the site would lock me out after a period of inactivity or several incorrect log-ins, and whether it would email me about these issues. It did all that.
Free mobile apps. Credit Karma offers free mobile apps for iPhone and Android. (I did not try them.)
The bottom line?
Credit Karma is a helpful tool for analyzing and planning your personal credit and finances. The account linking features save time, and the articles are a good resource for coming up-to-speed on basic and complex financial issues. And, the TransUnion scores and analyses provided by Credit Karma are great for learning about your credit standing and how to improve it. Just keep in mind that the FICO-similar score from Credit Karma is not your official FICO score, which you may need if you are using your score to negotiate for a mortgage or other important financial transaction.


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Anna Griffin® Window Frame Cardmaking Kit and Cutting Dies
- Item qualifies for VIP Easy Returns with the HSN Card. Restrictions apply. See Details
- Enjoy paying no more than $5.00 in shipping with your $5.00 or more Crafts order. Offer will be applied at checkout.
- Buy More anything & Save On Shipping! See Details
HSN Credit Card Perks & Offers Apply online or call 1-800-695-1418.
Ways To Save
Overview & Details
Anna Griffin Window Frame Cardmaking Kit and Cutting Dies
Open a window to a creative new world with this window frame cardmaking kit. It includes everything you need to design stunning window frame cards, including pre-cut and pre-scored cards so all you need to do is fold, embellish and impress. Let Anna Griffin's florals and foils frame your heartfelt sentiments beautifully.
What You Get
- 40 Flower die-cuts - 4 each of 10 designs
- 40 Foil embellishments - 4 each of 10 designs
- (20) 3D sentiment stickers
- 20 Sentiment stickers
- 20 Die-cut frames - 2 each of 10 designs
- 20 Die-cut foils - 2 each of 10 designs
- 20 Solid die-cuts - 2 each of 10 designs
- 20 Ivory die-cuts
- 7 Cutting dies
- 20 Cards - 2 each of 10 designs
- 20 Envelopes, approx. 6-1/2"L x 6-1/2"W
- 500-piece Foam square pack
- Idea sheet
- Storage box
Good to Know
- Dies require 6"L x 13"W Cuttlebug plates (sold separately).
- Extra postage is required to send finished cards.
- All of the cutting and scoring of the card is done for you; simply fold and embellish
- Sentiments for all occasions
- Anna Griffin's beautiful floral designs
- Finished cards are works of art to be displayed
- Storage box approx. 11-1/2"L x 7"W x 2-1/4"H
Made in China
Anna Griffin® Window Frame Cardmaking Kit and Cutting Dies
Beautiful Kit
I love all of AG's products and this follows right along with the quality and beauty of everything else. These cards are original, easy to put together and the kit is loaded with items. But what I love love love the most are the kits WITH accompanying dies. I have so much AG paper, embossing folders, dies, borders, etc.... that I can let my creative juices flow and make similar but different cards with the help of a professional like Anna. This is why I have now ordered the Window Ledge kit. Keep adding dies with your special kits, It's what truly sets them apart from all other "card kits". It's makes Beautiful Cards in an easy Beautiful Kit!go33tigers, NE
Love the cutting dies!
This is one of the best Anna Griffin kits that I have purchased to date. I purchased the kit because of the included cutting dies so I can make cards using the beautiful card stock that I already have. I have been inspired to make several beautiful cards right after the mail man delivered my kit. The good news is that the process is so easy to cut and assemble - the hard part is deciding on your embellishments.Lois881, NV
Loved It!
By far this was a great purchase! I love everything. Especially the great die that I can use over and over again.cin2273, CA
Cuts great and her kit helped to make all attempts beautiful.NICODESIGNS, WA
Love this so much
This kit makes some really beautiful cards. I have been ill and some of my friends from church brought some meals for us while I have been recovering. Having this kit made it so easy to make Thank You cards. My friends just loved the cards. Thank you Anna Griffin! I really love your stuff.Vickiejoy, CAWas this review helpful? Yes (2) No (0) Report if inappropriate
Anna Griffin
Remind me about Anna Griffin upcoming shows.


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Sunday, August 21, 2016
Makin' It And Savin' It Sunday
This has to be the strangest way to make a living yet!!!! Roll joins and make money. Run over to the Penny Hoarder and read about Weed Art. Why can't I think of something like this and make a living at it!?!?!?! Could I turn liquor into art? How about frozen wine sculptures? Liquor doesn't freeze the greatest though. Hmmmmm, I'll have to work on this.
How about you, do you toke? Do you wish for an easy job?
Not stoned,
Sonya Ann
4 comments:
- Practical Parsimony said...
My plan for my ninetieth birthday is to smoke pot for the first, last, and only time. That site had no pictures!
- August 21, 2016 at 3:39 PM
- Elephant's Child said...
No pictures for me either. It seems that he is perfectly the art of doing what you love as a job.
Can I be paid to sleep, garden and put off the housework? And put off doing my taxes? I live in hope.
- August 21, 2016 at 5:29 PM
- Janie Junebug said...
Maybe molded jello shots since you can't make frozen wine sculptures? I don't toke, but I'd appreciate access to medical marijuana in my state. It might assist in my wish for relief from chronic pain. I think I'm fortunate to be able to work at home. I like editing books. I can correct punctuation for hours on end.
- August 21, 2016 at 8:56 PM
- Anne in the kitchen said...
I would love to get paid for critiquing chocolate or coming up with creative cussing. Think it could happen?
- August 21, 2016 at 10:06 PM


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If you enjoyed the fresh bread, cinnamon buns and desserts in the dining room, be sure to stop by the Nibble Nook (Campground Store) or the Hub where you can purchase a wide variety of baked goods fresh from the Bakeshop at MBC.
2017 Bake Shop Menu coming soon!
Fresh baking available at:


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This sterling silver ice tool tie tac measures approximately: 13/16″ high X 3/4 ″ wide.These sterling silver tie tacs come with base metal tie tac post and clutches. Tie Tacs come in attractive jewelry gift boxes.
You may be interested in the following:
Back to the top of Sterling Silver Ice Tool Tie Tac
©2017 Horn's Jewelry - all rights reserved.


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This restaurant is a Barcelona classic and a fantastic excuse for a great meal. Its cooking is based on an absolute respect for old-school Catalan cuisine, cooked to perfection and served in a superb location (in summer and spring, book a table on the terrace). I like to ask for the six-course menu ($130 per person, including wine). The incredible scallop burger is impossible to forget.
Other Nearby Restaurants
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This new bar in Barcelona's edgy Raval nei... Read More


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Politechnika Slqska
Politechnika Slqska
Kolanska-Pluska J.,Opole University of Technology |
Barglik J.,Silesian University of Technology |
Baron B.,Politechnika Slqska |
Piatek Z.,Czestochowa University of Technology
Przeglad Elektrotechniczny | Year: 2010
The paper presents the analysis of phenomena in rectangular conductors with harmonic current used for supplying of the induction heater system with an internal inductor. Results of the analysis were compared with computations done in Femm 4.2. program. Distribution of current density and magnetic field were determined. Computations were done for field current frequency of 9835 Hz. Skin effect and proximity phenomenon were taken into consideration.
Jarek G.,Silesian University of Technology |
Jelen M.,Silesian University of Technology |
Gierlotka K.,Politechnika Slqska
Przeglad Elektrotechniczny | Year: 2014
This paper describes the simulation system of the wind turbine, based on a DC motor. System composed of a doubly fed induction machine mechanically coupled with a DC machine is used to develop and test power control systems based on a wind turbine. Power electronics converter supplying DC motor is controlled by a microprocessor and provides generation of the torque depending on the speed of the machine and an additional parameter, which is the reference wind speed. Simulator characteristics correspond to the exemplary characteristics of the wind turbine. The article discusses the connection diagram and presents the idea of the control system. It also shows the results of laboratory tests. (Simulation System of the Wind Turbine, based on a DC Motor).
Gacek Z.,Politechnika Slqska |
Szadkowski M.,Politechnika Slqska |
Malitowski G.,Politechnika Slqska |
Witos F.,Politechnika Slqska
Przeglad Elektrotechniczny | Year: 2010
The research on partial discharge in oil filled power transformer is presented in the paper. The measurements were proceeded with ultra wide band discharge analyzer. The analysis is based on chosen PD distributions and other quantities. Basing on the analysis there was an attempt to location of PD sources. The unconventional approach was verified by acoustic emission method which was also involved in measurements of partial discharge to locate PD sources.The reasearch was proceeded on the power transformer qualified to repair.
Kucharczyk-Brus B.,Politechnika Slqska
CESB 2013 PRAGUE - Central Europe Towards Sustainable Building 2013: Sustainable Building and Refurbishment for Next Generations | Year: 2013
Multi-family residential buildings, built in the socialist countries in the years 1960-1990 were not designed basing on the concept of sustainable development. Built under specific political and economic conditions, mainly in the concrete slab technology, using low-quality construction materials, full of technical defects resulting from the hasty construction process forced by the pressure of the authorities, they do not meet the expectations for the pattern of today's sustainable buildings. The only criterion for sustainability, which the large housing developments of the socialist period can be proud of is social sustainability, as the flats were settled and are today inhabited by social groups of different age, different level of education and with different incomes. Now, after the transition period, the buildings are subject to a number of works to adjust them to current legal requirements and new standards. Building owners and managers make an effort to raise their technical and functional quality, improve the external walls thermal insulation, replace worn out elements, reduce heating costs and power consumption, introduce new technologies to improve the environmental and economic parameters relating to the buildings. Surveys and studies were performed at the Faculty of Architecture of the Technical University of Silesia in the Polish-German interdisciplinary research project entitled: "The past, present and future of Polish and German big housing estates. Comparative study of urban development models and their approval - examples of Katowice and Leipzig". The group of sociologists and architects made a comparative study of the large housing estate in Leipzig-Grunau and three multi-family housing estates in Katowice. Using research tools: survey and in-depth interviews with residents, focus meetings with the settlements' designers, representatives of the local authorities and local actors that influence the investment process, as well as expert analysis of the buildings and surroundings, disadvantages, advantages and possibilities of development of settlements were examined thoroughly basing on the sustainable development triad of economics-ecology-society.
Kasprzak M.,Politechnika Slqska
Przeglad Elektrotechniczny | Year: 2014
PWM-FM off-line control properties of Class DE inverter are presented in the paper. Optimum commutation of Mosfets is assumed. Theoretical characteristics of output power control were calculated. Based on laboratory model of ideal Class DE Mosfet inverter (10 kHz/500 W), control characteristic of short and long commutation were measured. Oscillograms of short and long commutation processes in Class DE inverter that were not published before, are presented too. (PWM-FM control of Class DE inverter).


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We held a talk about E-Safety which we hope offered some practical and technical advice to help parents understand the technology their children may be using.
A copy of the presentation and a copy of the handout are under Curriculum, ICT on the website.
We use cookies to track usage and improve the website.
Click here for more information.


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We always look forward to our local, small-town fair!
There are always lots of fun things for the family to do!
Victoria and Caroline have really been looking forward to showing their goats there as well!
One of the first things the boys did is go fishing in this little pool,
which was sponsored by the Washington Game and Fish Department.
They put all the boys' names in a raffle and so we came back a little while later,
and Timmy actually won this fishing pole! Woo hoo!
The boys really enjoyed this kids' area.
They had some really cool bubble makers using straws and string!
Benjamin just had fun playing in the bubble solution! : -)
Of course, the "penny scramble" is always a huge hit!
They find not only coins, but McDonald's ice-cream cone coupons and bowling coupons!
Benjamin the muttin buster!
(The blue teeth are from the sucker found in the hay pictured above. ;-)
Joe was five pounds over the limit this year,
so this is his version of muttin bustin'!!
Kyle and Timmy sure had fun with this new event. . .
shooting arrows at each other!
Here, they are getting their instructions!
They did this for about an hour on Saturday,
and 1/2 hour on Sunday!
They enjoyed it very much!
And last but not least . . .
or perhaps most importantly ;-),
Victoria and Caroline's boer goat showing!
They all did a great job,
and were very pleased with their winnings!
This show was really a boost for their Crossroads Boer Goat business!
Here, Dandi is getting prettied-up for the show ring!
First up, was Paintball. She is a "percentage" doe,
which means 50-94% boer goat.
She won first place in her class, then went on to win Jr. (0-12 mo.) Percentage Reserve Champion!
Here, the judge is explaining why he chose Paintaball as the Reserve Grand Champion! : -)
After she won, they have to confirm she is who they say she is by her tattoos in her ears.
Then, Saturday's showing of Dazzle and Liberty.
They did much better the 2nd day! ;-)
Here, they are being shown with the new judge on Sunday . . .
Way to go Liberty!
Oh, but we can't forget Paintball!
She did amazingly well again!
In fact, she went from Reserve Champion on day 1,
to Grand Champion on day 2!!!
Good job, Paintball!


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Pilot and passenger found dead in helicopter
Two West Coast men have been found dead in the wreckage of a helicopter crashed in the Fish River near Haast.
The pilot was a 54-year-old man from Hokitika, and the passenger, was a 51-year-old man from the Bruce Bay area.
Both were believed to be helicopter enthusiasts.
The helicopter, flying from Wanaka to Haast, was reported overdue about 9pm last night. A search involving the NZCC Greymouth Rescue Helicopter was called off at midnight.
Wanaka Police and Land SAR's river rescue team accessed the remote crash site around 1pm today after the wreck was spotted in a morning air search.
Both men were still in the helicopter when found.
The case has been referred to the coroner and the Civil Aviation Authority. The helicopter wreckage will be stored in Wanaka pending investigation. Police have not confirmed the identities of the two victims.
The Press


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Choose Between Two Options
- $56 for an eyelash lift treatment (up to $125 value)
After placing silicone shields over the eyes, aestheticians apply a sculpting gel that curls natural lashes. Results typically last six to eight weeks.
- $178 for a micro-needling skin treatment ($400 value)
During micro-needling, a digitally controlled device makes minuscule channels in the skin with tiny needles. This induces damage-repair responses in the skin, prompting new collagen induction and pigment-cell production that can help fade wrinkles, scarring, and irregular skin tone.
Samira's Permanent Makeup
Samira Haddad of Samira's Permanent Makeup and her son Enad specialize in very delicate work. For permanent-makeup clients, they carefully tap microscopic pigments below the surface of the skin to replicate the look of subtle eyeliner, full eyebrows, or lip color—sometimes even correcting the less-than-careful work clients have had done elsewhere. They're also trained in two other precision-requiring techniques: chemically darkening and lifting the eyelashes and micro-needling, which helps skin rejuvenate itself by penetrating it with needles as fine as a baby pixie's hair.


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Glutino goodies are some of my very favorite! Whether it be from their cake, cookie or pie mix or the sandwich cookies or crackers, I love knowing that when I eat Glutino products, I will always be satisfied. There are very few products, especially gluten-free, that you can say this about.
Just check out how cute these little football cupcakes are! Here's how to make them:
- Just whip up a batch of your favorite chocolate cake mix (we like Glutino gluten-free brand) as well as some chocolate buttercream frosting (1/2 C butter, 2 C powdered sugar, 1 tsp. gluten-free vanilla extract, 4 T cocoa powder and 1 T milk plus more as needed to reach your desired consistency all whipped together). Reserve a bit of frosting before adding the cocoa powder to make the laces. Pipe the chocolate frosting on prepared cupcakes and draw the laces on with reserved white buttercream frosting or melted white almond bark.
Oh yes we did!! Frosted animal crackers that are gluten-free and DELICIOUS! Thanks to the good folks at Glutino, this childhood favorite of mine has now become a gluten-free reality again. Can you tell how excited I am?! We did a small batch of natural dyed pink ones with natural dyed sprinkles then a batch of pink and white frosted ones with regular sprinkles that are gluten-free of course but not dye free. These were so easy to make. Just be sure to find gluten-free labeled almond bark & sprinkles. I can't wait to put these in my little guys first day of school lunchbox!
What's a childhood favorite snack you would love to see remade?
Gluten-Free Frosted Animal Crackers
- 2 bags of Glutino gluten-free animal crackers
- 4 cubes or pieces of vanilla almond bark
- 3 drops red dye (I know, yuk! Use natural dyes for a better cookie but know that they won't be as pink.)
- sprinkles
Take out any broken animals and enjoy them while making these yummy cookies. ? With the non-broken animals, make your frosted cookies. Start by melting two of the almond bark pieces or cubes over boiling water in a glass bowl. Dip half the cookies into melted almond bark and place on a silicone baking mat or wax paper. Top with sprinkles and let cool until hardened. Do the same with the remaining two pieces of almond bark but this time add the dye and stir well first. Enjoy once they are hardened if you can wait that long.
These sugar cookie shortcake bars are amazing too! Get the recipe HERE. So are you ready to win some Glutino products? Enter below and be sure to visit them on social media.
- Grand Prize: Sugar Cookie Mix, Twinkle Sprinkle Cupcakes, Yogurt Peppermint Covered Pretzels, Shake and Pour Pancake Mix, Pretzel Twists, Buffalo Pretzels, Chocolate Covered Pretzels, Chocolate Sandwich Cookies, All Purpose Flour, Brownie Mix, Sea Salt Crackers, Multigrain Crackers, Cheddar Cracker, Strawberry Frosted Toaster Pastry, Blueberry Frosted Toaster Pastry and 5 free product coupons (over $100 value)
- Runner-Up: 5 free product coupons ($30 value)
a Rafflecopter giveaway
*I have been provided with products for recipe development & review. These are my opinions and my opinions alone. I LOVE Glutino products and highly recommend them.


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The Calgary Flames, nearing the quarter pole of the 2014-15 National Hockey League season, have been masters of the third period and establishing themselves as late comeback specialists. Unfortunately on Thursday night against the Chicago Blackhawks at the Scotiabank Saddledome, their late magic ran out.
via Sports News | Calgary Flames | Hockey Scores & Schedules | Football | Basketball | Calgary Herald.


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Blog List
The Ultimate Pre-Bed Drink
The Ultimate Pre-Bed Drink (great for insomnia)
(2017-05-09 09:25)
Meryl Streep's Shock Plans to Marry Co-star Robert Redford!
Shape Magazine - Meryl Streep and Robert Redford shock the world with plans of getting married after years of keeping their relationship a s..
(2017-03-07 00:09)
Antarctica hits record high temperature at balmy 63.5°F
OSLO (Reuters) - An Argentine research base near the nor..
(2017-03-01 10:22)
Veggie Nuggets
https://www.facebook.com/buzzfeedtasty/videos/1864837103768930/FULL RECIPE: http://bzfd.it/2j660F3
(2017-01-23 23:25)
Cheese-Stuffed Blooming Onion
https://www.facebook.com/buzzfeedtasty/videos/1864193000500007/FULL RECIPE: http://bzfd.it/2j1WzpX
(2017-01-23 23:14)
Fukushima radiation reaches United States shores for first time
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Angelina Jolie Pitt's Shocking Divorce Secret Revealed! Why Brad Guarantees She Won't Get Full Custody.
TThe outspoken actress, director, activist and mother turns 42 later in the year, is now going through a shocking divorce, while filing for ..
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Terror Attack on Nice: At Least 80 Dead After Grenade-Filled Truck Plows Into Crowd, Officials Say
(2016-07-14 21:38)
road kill (original)
we picked up these "beauties" on the road to our farm..........
(2016-07-02 13:51)
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The peaceful sunset from our dining room window, another wonderful day in paradise.
(2016-07-12 23:49)
Another wonderful day in paradise (original)
The breathtaking beautiful sunset from our dining room window, another wonderful day in paradise.
(2016-07-12 23:42)
photo of the day------ peaceful sunset from my house(original)
peaceful sunset from my house ,Honaunau,kona Hawaii
(2016-07-12 23:37)
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First time in six years we got a good crop of cucumber. We have tried and tried every year with little bugs, or chickens eating our li..
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A Miracle way to Detoxify our body
Coffee Enemahttps://www.youtube.com/watch?v=clISdn_kClYHere are 10 Reasons on Why You Should Try A Coffee Enema:Reduces levels of toxi..
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4 Ways To Use Turmeric as Medicine
Check turmeric out, you will surprise...........https://www.youtube.com/watch?v=GuNkITUs60c
(2016-05-28 18:04)
photo of the day----shooting star (original)
Caught a shooting star on the way home from Hilo......................
(2016-07-12 23:46)
I can't belived what I see
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I am chipping my coffee trees after I pruned them.......... lots of work but fun..........The wood chips will turn int..
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Total Blogs: 23 / Pages: 2


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Egypt: Political instability and IMF delay could lead to rating downgrade
Political instability and delays to the IMF loan could see Egypt's economy downgraded, ratings agency Moody's has warned
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Egypt's request to postpone a long-awaited IMF loan due to recent political unrest could lead to a downgrade in the country's credit rating, credit rating agency Moody's said in a report on Monday.
Egypt was hit by a constitutional crisis following a 22 November decree by President Morsi which caused a political faceoff between Islamist and secular factions. He later revoked the decree.
The report also hinted that the recent stabilisation of the country's external balance of payments and government finances is weakening as a direct consequence of the current political faceoff.
Moody's said the IMF loan was vital because it would boost investor confidence, raise foreign investment and reduce the budget deficit. Without the loan, Egypt could be subjected once again to external and domestic financing pressures, the report explained.
After the January 2011 uprising, Moody's downgraded Egypt's credit rating to B2, usually assigned to countries that are not creditworthy. If the IMF loan is further halted Egypt could face another credit demotion, Moody's said.
The Egyptian government has claimed the loan was delayed due to the need to reach a consensus with factions opposed to the loan.
Top Headlines
- Al Tayer bucks the US department store trend with Bloomingdale's Kuwait opening
- Gulf Islamic banks set to outperform conventional banks for second year: Moody's
- Jordan secures EU finance for socioeconomic and environmental programs
- Same-day service deliveries in GCC an untapped market: Wing CEO
- Will terror attacks damper Arabs' appetite for European holidays?


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At some point, I decided to specialize in petroleum and natural resource investing, mainly because I felt that the broader market was too broad. How could I become a good investor when the maximum amount of time I could devote would only allow me to scratch the surface of the companies I was investing in? But as I was to learn, even something as specific as upstream oil and gas goes went almost too wide and deep. I digress…
The following information is meant to provide a supplementary overview of resources that I use to conduct research. Note, I omit any that have already been listed in my Energy Blog and Energy News Feeds — I recommend that interested readers peruse these as well. Also, I encourage inquisitive readers who are interested in building a foundational understanding of the oil and gas business to visit this site's "Fundamentals" section for frequently updated industry primers.
Without further ado…
- Seeking Alpha
There are tremendous energy investment resources consolidated under Seeking Alpha (SA). For several months now, SA Editor Michelle Carini, has published a weekly energy roll-up with links to SA articles and external sources of significance. Seeking Alpha also allows members to sign up for a daily energy investing newsletter — which often contains enough information for an entire day and which comes at no extra cost. But most important are the contributors. These are just a few "must follows" for energy, natural resources, and oil & gas: Elephant Analytics; The Investment Doctor; Long Player; Michael Fitzsimmons; Tristan R. Brown; Jennifer Warren; HFI; Danielle Sandusky; Callum Turcan; Raw Energy; Williams Equity Research; Force Majeure; Michael Filloon; Value Digger; Richard Zeits; and, Oil and Gas Investments Bulletin.
- Motley Fool
Almost every Thursday, Motley Fool's Industry Focus Podcast hosts an energy and material goods edition featuring regular co-hosts such as Sean O'Reilly (TMFBuckeye), Taylor Muckerman (TMFrunAMuck), Tyler Crowe (TMFDirtyBird), and others. I almost never skip an episode.
- Twitter Personalities and Hashtags
Actually, Twitter can be quite useful –professionally speaking — if you know which hashtags and profiles are of interest. Notably, the Organization of Oil Trading Tweeters (#OOTT) has spawned an incredibly active and diverse community of oil enthusiasts. OOTT Founders Sam Madani (@Samir_Madani) and Lisa Ward (@Lisa_Ward1990) have also founded TankerTrackers.com (@TankerTrackers).
- Podcasts
Podcasts are immensely time-efficient means by which to stay educated during commutes. In 2017, EKT Interactive has made a heroic effort to keep their podcast content fresh and unique — I've learned a lot from its guests. Oil and Gas This Week, featuring Mark Lacour and Jake Courley (what happened to Jame Hahn II?), is a relatively recent venture but has been widely accepted as the most popular podcast of its type. Vox Markets with Justin Waite is a Euro-centric podcast aimed at delivering executive level interviews and technical analysis to resource and financially oriented investors. VOX Markets is quickly becoming one of my favorite things.
- The Mainstream Media
Even the mainstream media deserves credit where credit is due. The CEO interviews on Jim Cramer's Mad Money on CNBC are an immensely valuable and unique source of information. CNBC regular Dennis Gartman (of The Gartman Letter) possesses a thorough understanding of the market dynamics which drive crude oil prices. I will say this, though: the mainstream media is deeply pernicious and begrudging. Guest who are not overly charismatic or well-connected are often only as good as their last idea.
Also, see below for useful data sources and references:
General Reference
- BP's Department of Petroleum Economics
- Energy Information Agency (EIA)
- International Energy Agency (IAE)
- Organization of Petroleum Producing Countries (OPEC)
- Joint Oil Data Initiative (JODI)
- Exxon Mobil 40 Year Energy Outlook
- Haynes and Boone Oil Patch Surveys
Commodity Prices (Historical)
- Netherland, Sewell & Associates, Inc. (NSAI) Pricing – NSAI provides monthly and end-of-month pricing for major petroleum resources which can be useful to validate petroleum reserve estimates and standardized measures of cash flows constructed according to joint SPE, FASB, and SEC specifications.
- Key Commodity Prices & Differentials – Valero maintains this updated file on relevant commodity prices drivers for its operations. Data sources include ICE, NYMEX, CBOT, Argus, Platts, OPIS, and others. For investors who do not have access to the premium commodity data, this is probably the best source for a granular look at the drivers of transportation fuel and petrochemical prices.
- Argus and Platts – According to the Trafigura report, Commodities Demystified, "In the main, the market relies on prices published by two Price Reporting Agencies. Platts and Argus are private companies that perform a vital public role. They report daily on a vast array of markets trading different physical commodities as well as some specially tailored derivative contracts." Both are premium paid services.
- Ecoengineers – Provides frequent updates on Renewable Identification Number (RIN) prices, which are essential to understanding the hidden subsidies which many farmers receive and to the drivers of consumer fuel costs.
Commodity Prices (Forecasts)
Bond Prices
- US Fuel Standards
- Renewable Fuel Standard 2
- US Petroleum Extraction
- Society of Petroleum Engineers (SPE) – Petroleum Resources Management System 2007
- Financial Accounting Standards Board (FASB) – Extractive Activities—Oil and Gas (Topic 932): Oil and Gas Reserve Estimation and Disclosures. January 2010.
- Financial Accounting Standards Board (FASB) – Accounting for Extractive Activities–Oil & Gas: Amendments to Paragraph 932-10-S99-1. April 2010.[/ref], and SEC[ref]SEC. 17 CFR Parts 210, 211, 229, and 249 [Release Nos. 33-8995; 34-59192; FR-78; File No. S7-15-08]: Modernization of Oil and Gas Reporting. January 2010.
- Securities Exchange Commission (SEC) – Electronic Code of Federal Regulations. Regulation S-K [17 CFR Part 229] >> Subpart 229.1200—Disclosure by Registrants Engaged in Oil and Gas Producing Activities
- Securities Exchange Commission (SEC) – Electronic Code of Federal Regulations. Regulation S-X [17 CFR Part 210] >> §210.4-10 Financial accounting and reporting for oil and gas producing activities pursuant to the Federal securities laws and the Energy Policy and Conservation Act of 1975.
- Canada Petroleum Extraction
Oil and Gas
- Baker Hughes Rig Counts
- BOE Report – Low or no cost access to multiple databases.
- M&A Database (US and Canada) – especially relevant for computing "comps".
- Evaluate Energy Evaluate Energy's assets database
- Wood Mackenzie North American Assets
- FracFocus.org
- RigZone Data Services – Rig counts, day-rates, etc…
- Societty of Petrolem Evaluation Engineers (SPEE)
- Surveys – survey of assumption commonly used to evaluate upstream assets
- Drilling Info
- Independent Petroleum Association of America (IPAA) Economic Analyses
- Tanker Trackers
- EnerData
- World LNG Database – LNG Terminals & Plants and shipping around the world, LNG contracts, regasification and liquefaction capacities, LNG flows, imports and exports prices for each country. Quarterly updates.
- VesselsValue
These are just a few… more to come…
If you feel that I've neglected an essential resource, or have somehow misfairly rated any of the aforesaid, please reach out with your feedback…


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Hilton Orlando Bonnet CreekMap
14100 Bonnet Creek Resort Lane, Orlando, FL 32821, United States
While most guests book their stay at Hilton Orlando Bonnet Creek to visit neighboring Disney World, anywhere else, the hotel would be a destination unto itself. Eighteen rounds at the adjacent Waldorf Astoria Golf Club, a three-and-a-half hour Serenity ritual at the Guerlain spa, or endless circuits of the lazy river pool are a few of the ways you can easily while away an entire day (or even several days) at the Hilton. You'll be well-fed, too: La Luce by Donna Scala was named Orlando's best hotel restaurant by the Orlando Sentinel and is popular with locals as well as hotel visitors.
Other Nearby Hotels
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In 1998, this park became the fourth of Disney'... Read More
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The third of the four Walt Disney World theme p... Read More
In a city full of high-tech thrills and cutting... Read More
The sense of majesty and all-round general achi... Read More


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Buster English Bulld...
$ 1,200.00
$ 350.00
Adorable pedigree bullmastiffpuppies from our own beautiful pet. Home bred and mum is here to meet anyone interested in her babies. If you have never had a bullmastiff before you will love their personalities. They just enjoy being cuddled and are really playful and affectionate. Their mum is never yappy and is really gentle when playing with children. They are of course a breed which doesn't moult, so if you have family members who have allergies these are the breed for you. They are looking for forever homes and someone who can give them plenty of love and attention.
Published date:
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Buster English Bulld...
$ 1,200.00
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Ashlynn English Bull...
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Ajay English Bulldog...
$ 1,200.00


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This morning, at 1.12 am on 1.12.12 a circle of gorgeous friends gathered beneath a glorious haloed moon. Shooting stars streaked the sky. Frost and ice glistened on the ground, reflecting crystal light.
Later, on the Downs, I met a pure white Retriever puppy, called Phoebe.
Happy December 2012.
LoveLight has arrived.


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The vision for Baja Christian Ministries (BCM) is twofold. First, to physically and spiritually minister to the poor of Mexico, and second–through that process, help stimulate the faith of U.S. Christians into action (James 2:17). Simply put, BCM's goal is to stir U.S. Christians "out of their seats and into the streets" by encouraging them to use their God-given gifts for serving those in need as stated in Hebrews 10:24-25: "Let us consider how to stir one another to love and good works … encouraging one another, and all the more as you see the Day drawing near." (RSV). BCM believes in equipping the saints for the work of service (Eph. 4:11-12) by enlisting their God-given gifts. "For as each one has received a special gift, employ it in serving one another, as good stewards of the manifold grace of God." (1Pet. 4:10) BCM also believes in the "priesthood of believers" in which we are all priests of God (1 Pet. 2:4-9; Rev.1:6) As a body of believers working together (1 Cor. 12), this ministry is not centered around a "one-man personality," but rather a mobilized army of believers to fulfill the Great Commission. The focus and outworking of this ministry is transferred from the "one" to the "many", believing that a working net in the hands of many is more effective to sweep a nation than fishermen using single lines.
Baja Christian Ministries follows several guiding principles:
Jesus Christ is the Model for Ministry: The anointing of the Spirit moved Jesus to bring good news to the poor (Luke 4:18). Likewise, BCM and its participants follow that same anointing. Just as Jesus ministered to physical and spiritual needs, BCM seeks to extend physical help where it is most urgently needed, and spiritual help to as many people as possible. Those who will share the gospel and good Spanish tracts and books, along with bibles, are strongly encouraged. Housing, food, and other material goods are given in Christ's name and without conditions. Families do not have to be a Christian, but are often drawn to Christ through the beacon light of these outreaches. As stated in Matt. 5: 16, "Let your light shine before men so that they may see your good works and give glory to your Father in heaven."
Ministry is Personal: Jesus cared about people as individuals. To the extent possible, BCM seeks to build personal relationships with ministry partners and with those whom we serve in Mexico. Project groups are encouraged to build relationships while in Mexico: laugh, cry, eat, celebrate, sing, listen, and share Christ with the poor and each other. That is how Jesus lived and interacted.
Partnership with Local Mexican Pastors: House building, church construction, outreach projects, and evangelism are normally carried out in neighborhoods where new church congregations are needed. A network of local Mexican pastors and BCM team members, who live and minister among the people and know their genuine needs, select recipient families for housing based on a screening process. In most communities where we build houses and perform outreach, a local presence also provides a spiritual community ready to receive and nurture new believers.
Facilitator for Ministry:As a non-denominational ministry, the role of BCM is to facilitate ministry. Each Christian church, group, or individual who comes to Mexico for ministry plans their own schedule and outreach activities according to their own scriptural convictions and style. BCM interviews and selects the recipient families, helps with transportation and overnight accommodation planning, secures all government permits, prepares the building site, provides all construction materials, and offers many ministry resources (fund-raising ideas, devotional guides, Spanish evangelism materials, etc.). We are here to assist you.
Revitalization of U.S./Canadian Churches: Churches in the United States and Canada need Mexico, just as much as Mexico needs them. Even though many people in Mexico are poor, many still experience joy that is not dependent upon possessions or status. God has many lessons to teach those who come to serve in Mexico. Has your heart lately seemed dry and in need of spiritual refreshment? Let God revitalize your heart through this ministry experience amongst the poor of Mexico. Even a weekend will make a difference. Come serve the poor with us and be refreshed.
"If you spend yourselves in behalf of the hungry
and satisfy the needs of the oppressed,
then your light will rise in the darkness,
and your night will become like the noonday.
The LORD will guide you always;
he will satisfy your needs in a sun-scorched land
and will strengthen your frame.
You will be like a well-watered garden."
— Isaiah 58:10-11
Building a Working Net:Just as a net is more efficient for fishing than a single line, BCM seeks to extend ministry by building a network of partners, volunteers, project teams, and donation resources. In this way, BCM staffing can remain small and efficient to reduce overhead costs and ensure that most resources reach the field. In this approach, the unique gifting and resources of each strand contributes to strength, flexibility, and coverage of the entire net. A net is particularly effective in cross-cultural ministry where it is important to connect and concentrate dissimilar resources.
Multiplication of Resources: By assembling and coordinating project groups, churches, and volunteers, BCM is able to multiply donated materials and labor. Through BCM networks, we recently calculated that $1.79 of materials/rendered services reach the field for every $1 contributed. By directing ministry through BCM, and supporting the "hub", outreach efforts can be strategically focused with greater efficiency.
Project Groups as Mentor Groups:Experienced project groups are encouraged to serve as mentor groups to others. By continuing to build and serve through BCM, experienced groups help support a ministry hub that enables new or inexperienced groups the opportunity to serve in Mexico which may be too difficult to do on their own. When experienced groups invite new groups to build alongside them, many other benefits result:
- Pre-trip planning can be shared
- Construction knowledge and resources can be shared or pooled
- More people are available for simultaneous outreaches
- Friendships, sister-church relationships, and ministry ties can be initiated or strengthened which can continue when groups return home
- Experienced groups reproduce and multiply their impact with little extra time, cost, or planning


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Pandorum Reviews
September 8, 2017
Well-paced and boasting impressive production design and a decidedly gloomy atmosphere, but execution, no matter how efficient, is no match for originality.
September 15, 2010
[Pandorum] might seem like a potentially cool movie, but unfortunately the key word is "potentially".
September 25, 2009
Unfortunately the explanation is full of holes, and anyway less than interesting.
Full Review | Original Score: 5/10
August 12, 2010
It takes a brilliant concept and stellar performances and buries them in banality and mediocre scares.
Full Review | Original Score: 2.5/5
October 4, 2009
There are some excellent fight scenes and a bit of monster gore but the absence of a discernible storyline makes it little more than a noisy TV movie.
October 4, 2009
Pandorum is neither schlocky enough to be an enjoyable genre flick, nor smart enough to provoke any original thoughts.
October 4, 2009
Pandorum's insistence on action sequence after action sequence, reveal after reveal, tension upon tension deadens the effect any of it might have had in a more gracefully developed narrative.
September 25, 2009
The further Bower journeys into the spacecraft's bowels, with Payton providing navigation tips from back in their original sleep chamber, the less Pandorum unnerves.
Full Review | Original Score: 1.5/4
September 28, 2009
Over-acting is endemic. Quaid can't do much with his very limited role, and Foster seems miscast.
September 28, 2009
Remember the scene in Star Trek where Dr. McCoy talks about all the horrible ways you can die in space? Pandorum is basically a visual aid for that speech.
Full Review | Original Score: D
October 2, 2009
[Pandorum] makes no sense. It doesn't really try to by the end but nevertheless, it should be said up front so that nobody has any illusions about the film since its creators certainly didn't.
September 25, 2009
Pandorum isn't all that bad, it just isn't good either. Fans of films like Event Horizon, Alien 3, and Resident Evil are sure to get their money worth, but I feel anyone outside of the "club" is sure to be disappointed. Watch with caution.
Full Review | Original Score: 5/10
Top Critic
September 25, 2009
Throughout, some obvious questions pop up immediately.
June 2, 2010
A gorgeous production design can't save the picture from trying too hard to dazzle with very little inspiration, and while Pandorum is easy to stare at, it can be a seriously punishing sit.
Full Review | Original Score: D+
December 28, 2009
Veering between alarmist adventure on other planets and assault on viewer senses here at home, the claustrophobic cinematic terrorism seems to come awfully close to wielding a movie as a deadly weapon up on the screen.
October 5, 2009
flirts with greatness with an impressive first half filled with thrills and solid pacing but it stumbles in its more action-oriented second half.
October 11, 2009
Clenches its teeth grimly as it blunders through its overstuffed plot.
October 4, 2009
Pandorum doesn't make a whole lot of sense and is shot and edited in a way that only adds to the confusion. In space nobody can hear you scratching your head.
January 27, 2010
October 4, 2009
Action mayhem full of gibbering hominoids, hanging corpses and a few live stars.