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|260 m²
|Property type
|Minimum Stay
|2 nights
Change in Ownership/management
I want to let all of our past guests and future guests to be aware of a change in ownership of the cabin.
The new owners want to continue renting the cabin but you will need to visit their new webpage on the Homeaway site. Please use property number 4609138 to see their calendar with available dates. If you have already booked a stay here, nothing will change for you. The new owners want the transition to be seamless and I am sure they will only improve on the cabin going forward.
I want to sincerely thank all of the guests that have stayed with us over the past 4 years and the amazing reviews that were given.
It was a pleasure to have you stay with us.
The new owners welcome all of our past guests back and will continue the exceptional service everyone expects.
So as of August 1st 2017, you can no longer book a stay from this particular page since I have blocked off the calendar going forward but you can book this cabin on the new page. Again just use property ID# 4609138
Thank you!
This property is located with an adjoining 60 acres of land that you will have total access to during your stay. The back part of the 60 acres overlooks Lake Cumberland which is one of the largest lakes in the country. There is a service road that you can use to walk down to the lake. Within the gated area you may ride ATV's and bicycles or just take a nice walk. We frequently see deer and wild turkey on the property. The property is also located along the Sandhill Crane migration path. This past November we saw hundreds of them fly overhead and several even landed in the lake. There is a dairy farm across the street and we like to watch the dairy cows come in and out of the field during the day. Year-round you will see baby cows in the fields around the cabin.
We have added a very nice pontoon to our amenities and this boat is available for our guests to rent. Our property manager can even be hired to drive the boat for you if you just want a scenic cruise!
A geocache trail has also been set up on our property and will give the kids a fun challenge to find all 16 markers and solve the jumble at the end.
This home is a spacious 3 bedroom and 3 full bath home on a full finished basement. The basement houses a game area and a full high definition home theater. The basement has a queen sized bed, full bath and a laundry room with a full size washer and two dryers.
The upstairs master suite has a king size bed and a 32 inch LCD television. It has a full bathroom with a double vanity sink, separate shower and a Jacuzzi tub.
The main floor includes two bedrooms each with a queen size bed. One of these rooms also has a single bed in the room.
The main floor also has a nice size kitchen with all stainless Steele appliances including a dishwasher and microwave, utensils and cookware provided. The main floor has a beautiful fireplace and a large flat-screen television. Outside the main room are two porches. The front porch runs the length of the house and has a porch swing and wood bench.
Above the main room is a loft area that has an exercise area set up including a nice commercial stepper. It has weights and resistance bands as well.
If you want to use the property to ride ATV's this can also be arranged by renting an ATV for the day or weekend or you may bring your own. A separate rental agreement for the ATV's must be signed prior to your arrival.
If you enjoy the quiet and the beauty of nature this is the perfect private get away.
Alligator II Marina is only about a half mile away by water but to drive there it takes about 15 minutes.
We have just added our own pontoon boat and it will be available to our guests to rent. The pontoon is kept in a slip at Alligator 2 marina.
My name is Kelly and I am one of the developer/owners of this property. I have been visiting Lake Cumberland since I was a small boy and had always wanted a place near the lake. Someday I hope I can make this property my full time residence.
I bought this land with the intent to develop it into a sub division but when the corps of Engineers lowered the water levels I decided to wait. Therefore you are getting a rare opportunity to have exclusive use of an entire sub division as your adult playground.
I have to say after spending time there with family and friends I am having second thoughts about ever developing it because we have so much fun just enjoying the property in its natural state.
Owner / Property Manager purchased this cabin in 2006
This is a very unique property with very unique circumstances. The logs used to build the home are native to the site. This is truly a custom home. It is located on a quiet road and we have spent weekends there and only seen 1 or 2 cars pass the house. It is situated between two large developments that are also waiting until the lake returns to normal before they are fully developed. The only buildings you see from the Cabin are the Dairy Barn and Silo more than half a mile away. This property makes a great place to visit if you want some peace and quiet and really get a connection to nature or it can be a place to be very active. If you are a sportsman and like to fish this property makes a perfect place to stay and get to the marinas for a day on the lake fishing with your own boat or charter a guide service. Several striper guides use Alligator 2 marina as there home marina. We have just added a pontoon rental for our guests that you can use to fish from or pull a tube or skier. If you don't have a lot of experience driving a boat our property manager will be happy to drive the boat for you and let you relax.
A geocache trail was added in the spring with 16 GPS points to find. Each location has a letter you find and if you find all 16 and solve the jumble then you win a prize.
You can tour the atv trails by visiting http://youtu.be/qOxNDnfMXdU.
If you are like us and feeling rushed and frantic most of the time, this log home property will provide for instant relaxation. Instead of traffic noise and light pollution you will look into clear star filled skies with the sounds of birds, frogs, peaceful content dairy cows and rustle of leaves blowing in the wind. You can enjoy long peaceful walks or just sit on the comfy porch swing letting yours cares slip away. This is the perfect property for everyone. There is plenty to do for both adults and children or it is perfect for a quiet romantic getaway.
This property is located with an adjoining 60 acres of land. We frequently see deer and wild turkey on the property. The property is also located along the Sandhill Crane migration path. This past November we saw hundreds of them fly overhead and several even landed in the lake. There is a dairy farm across the street and we like to watch the dairy cows come in and out of the field during the day.
Cumberland Falls is a short drive from the property (about an hour) and is worth a trip to see.
Somersplash is a very nice water park located in Somerset and is a great place to take the kids for a day.
Mammoth cave is 1hour and 30 minutes drive from the property and is the most visited attraction in Ky.
The entire Bourbon trail is within 2 hours drive of the property.
For you country music lovers Renfro Valley is a must and is only 50 minutes drive from the property.
Kentucky's two largest cities (Louisville and Lexington) are only 1.5 hours drive from the cabin.
Most of the lakes large marinas are within a 45 minute drive of the cabin and Alligator 2 marina is exactly 14 minutes away by car. It is a full service marina with boat rentals available and several fishing guide services located there.
Between boating and ATV'ing we had a great time! Cabin has lots of room and everything you could need in the kitchen. It was nice to come out and jump on an ATV whenever we wanted, at anytime of day. While riding we saw a wild turkey, deer's, two baby fawns, and lot of toads at night. It was very relaxing / peaceful to sit out on the front deck in the morning drinking coffee or in the evening with a cold drink! No easy access to the lake, closest dock is Alligator I (20 - 30 minutes away), easy to launch a boat at and swim from the shore line.
Beautiful and well maintained! Cabin was stocked with everything we needed!
Great place to go to get away from it all!
My sisters and I thoroughly enjoyed our stay at this house. We enjoyed walks on the grounds surrounding the house, playing cards and watching the wildlife. A little hard to get used to the different time zones - central time to eastern time - depending on which side of the road you were on 🤔
The cabin was beautiful. Our family really enjoyed our stay.
I will be coming back to this place. We had a great time riding the trails. Very beautiful property with some awesome scenery. We spent everyday riding the trails then spent the evenings around the fire pit. Very relaxing atmosphere. Maybe next time we will have to go check out the lake. Beautiful cabin with plenty of room. My family and I really needed a vacation and we all had a great time. They already told me to skip Disney World they want to come back here on our next vacation. Very pleased and can't wait to visit this place again.
|Rate Period
|Weekend Night
|Monthly *
Winter Season
2 Jan - 31 Mar
2 night minimum stay
My Standard Rate
2 night minimum stay
|Cleaning Fee
|Pet Fee
|Tax Rate
Any ATV rentals will be seperate from lodging. ATV's can be rented for 150.00 per ATV per day and cannot leave the property. A seperate rental agreement must be signed prior to your arrival. You must be 21 years old to rent an ATV.
The pontoon boat can be rented for 200.00 for a half day (4 hours) and 300.00 for a full day up to 10 hours.
Towable tubes can also be rented with the pontoon.
* Approximate monthly rate. Actual rate will depend on the days of the month you stay.


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User Accounts to sync Bookmarks
So I like the look of this new browser and the promise it holds for the future but I will not be able to feasibly use this as I frequently use different computers. I use Chrome now with my gmail accounts as my login to sync my bookmarks to multiple computers. I USE my bookmarks like crazy as well as my history, as such, having a way to login and sync any bookmark changes to multiple locations is mandatory for me. Correct me if I am wrong as I am fairly certain this is not feature of Vivaldi at the moment?
Hi mamokin, you are right, it is not possible atm..
As far I know the Vivaldi team work hard to get the sync feature working.
I have my "bookmarks" file in my dropbox folder and if I need it on a different system I overwrite the local bookmarks file.
Cheers, mib
I COULD upload bookmarks constantly but that is anything but time efficient, I also use chrome on mobile so this would only half work at the expense of a lot of lost time.
Hi again, as Vivaldi for mobile is also on the todo list step by from time to time until Vivaldi feeds your needs.
A sync system has to be 99.9% secure and need resources and time …
Cheers, mib
Have you looked at external services such as Xmarks? I think they'll allow you to keep your Vivaldi and Chrome bookmarks in sync.

subset: commoncrawl


text: The experience of every bereaved mother (or father) is unique and so is their grieving experience. You can never fully understand another bereaved mother's experience, even if you sit with her through the dark of the night, talk to her for hours, cry endless tears in compassion. I've tried. And I might have one advantage: I myself am a bereaved mother. Let go As much I have … [Read more...]


text:
Ranjit Ravindran
Ranjit Ravindran (12-12-1982 / Visakhapatnam)
Biography of Ranjit Ravindran
Ranjit Ravindran Poems
Carpet Of Light
A carpet of light blinking at random, Spreads silently in freedom; The darkness around deepened the glow, Unfettered it continued to flow,
"i Am At The Hospital, Call You Later"
I wanted to have a medical check-up, To ascertain how healthy I was; The next day when the sun was up, I went to the hospital to find out my flaws.
Abandoned Windmill
I feel the intensity of your pain, As I have prayed for years in vain; For the windmill in my university lane, Which stands abandoned to be slain.
Moments Uncaptured
Embraced by the fate of ageing, My camera-phone struggles to respond in time, Causing the best scenes to go missing, Which I am sure will never recur anytime.
Unpleasant Light
I hardly experience pitch darkness, In this urban wilderness, The external world is made over-bright, Obliterating night with neon light!
Unsettled War
As I walked over the ground free, Carpeted with gun-powder debris, Rockets criss-crossed my path, Smoke blurred my vision,
What's In A Pseudonym?
Call a lady by any name, I am sure she'll remain the same, But as I have never seen you, Your pseudonym is my only view.
A Google Gossip
Google's just an online index, It doesn't have your website in it; To find your poems in this cyberspace complex, The website address is the only permit.
New Year Wishes, In Advance
A happy and prosperous new year I wish, To the poets at Poemhunter; This luxurious connectivity we relish, Will be denied as we advance further,
Squeaky Armour
Shoes with whistle, I still remember, Guarded my feet like a squeaking armour; Every step applauds with squeaks, And showered kisses on the cheeks.
A Facebook Facet
Facebook is not as simple as it seems, Across the world our activity it beams, To be traced when we want to be untraced, To dig up our posts to make us disgraced!
Back To Oblivion
A sweet lady, tough and fearless, Narrating stories that carries great lesson; Always keeping track of my happiness, My grandmother is indeed a grand old woman.
Curator Of Art
Insanity, Insomnia, Lonliness..et al; My heartfelt thanks for you all, You are the creator and curator of art; The art that which heals my heart.
Tears In Vain
Tears of joy, Tears of misery, Tears of sorrow, Tears of pain,
PoemHunter.com Updates
Check out
Classic Poets
Footsteps of Angels
Henry Wadsworth Longfellow
A Song About Myself
John Keats
A Very Short Song
Dorothy Parker
Back To Oblivion
A sweet lady, tough and fearless,
Narrating stories that carries great lesson;
Always keeping track of my happiness,
My grandmother is indeed a grand old woman.
Rising seven children with brilliance,
Herding twelve grandchildren like a Goddess;
Rejoicing at our collective achievements,
She led a life commanding happiness.


text:
M&A Policy: A Board Responsibility
In times of crisis, such as an unsolicited takeover offer, or the pressure of a seemingly attractive property in a short fuse auction situation, it is just too late to develop the policies and controls that should have been enacted earlier. It is the board of directors? responsibility to see that appropriate policies and controls are in place before a bear hug occurs, before shark repellent is needed, before poison pills are swallowed. Each board member should ensure that CDP is adequate, on balance, to protect shareholder value, the rights of all constituencies and the viability of the corporation. There are three major areas for CDP focus: board prerogatives, clarification of management responsibilities and controls. All these have been discussed in detail. Hence, with the right fundamental CDP in place, the board will be best equipped to deal with a crisis or an unsolicited offer. Having thought through its own policies in a less turbulent time, the board is then free, when most needed, to bring its whole focus to optimizing shareholder value.


text:
Question about Tomtom ONE 3rd Edition GPS
Posted by jbtoth on
SOURCE: I have freestanding Series 8 dishwasher. Lately during the filling cycle water hammer is occurring. How can this be resolved
a 6ya expert can help you resolve that issue over the phone in a minute or two.
Best thing about this new service is that you are never placed on hold and get to talk to real repairmen in the US.
the service is completely free and covers almost anything you can think of.(from cars to computers, handyman, and even drones)
click here to download the app (for users in the US for now) and get all the help you need.
Posted on Jan 02, 2017
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text:
Happy Sunday everyone-- Bringing you some more love and heart shaped ideas from The Beary Scrap. I am a big believer that Valentines' Day should celebrate more than just romantic love and I like to do lots of family things at this time of year to show my kids and others how much they are appreciated. So my project this week is a heart shaped mini album for my kids to give to their grandparents on Valentines' Day this year.
These chipboard albums were really fun to make and super quick as they are very small, only about three inches across. I used the Flirty line from Bo Bunny, perfect for Valentines' projects (and also on sale at The Beary Scrap, so now is a good time to stock up!). I traced all my hearts first, making sure I got just the part of the designer paper that I wanted and then cut them out. They are adhered with plain old glue stick, but two layers-- one on the back of the DP and one on the chipboard itself.
This paper line from Bo Bunny worked so great for this type of project-- each paper is double-sided so there are twice as many choices and they all coordinate. I chose to keep the colors together and made three sections-- 1 blue, 1 pink and 1 green for each of my three children.
To embellish each page, I used some of the Flirty stickers from the same paper line and added a sepia toned picture of my kids plus a handwritten note they wrote. Plus then I added some random embellies like fiber, a ticket, a doilie, punched hearts and ribbon.
My little three year old even added his own unique version of his name-- he's just learning how to write it and I think it's super cute! (It's Jace, by the way, if you can't decipher his letters below!)
The final page has a picture of all three, and a little note for Grandma & Grandpa, placed on top of those cute Flirty birds.
That's it for my friendship/love projects and I want all of you out there to know how much I have LOVED looking through the projects you have entered in our friendship/love challenge. Thank you for sharing your talents with us! And if you still have a project to share, there's still time! Link it up before tomorrow night at 11:59 EST for your chance to win!


text:
Reuters Staff
1 Min Read
May 25 (Reuters) - UNION CATALANA DE VALORES SA:
* Q1 NEGATIVE OPERATING RESULT 158,267 EUROS Source text for Eikon:
Further company coverage: (Gdynia Newsroom)
All quotes delayed a minimum of 15 minutes. See here for a complete list of exchanges and delays.
© 2017 Reuters. All Rights Reserved.


text:
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OMB Circular A-21 General Overview – F&A. OSP Brown Bag Norm Hebert, Director December 8, 2005. General Overview of A-21 and F&A (indirect costs):. Locating a copy of OMB Circular A-21 Applicability and Purpose of A-21 Acceptance of rates by Federal Agencies Standards for Allowable Costs
Related searches for
Download Policy: Content on the Website is provided to you AS IS for your information and personal use and may not be sold / licensed / shared on other websites without getting consent from its author.While downloading, if for some reason you are not able to download a presentation, the publisher may have deleted the file from their server.
OSP Brown Bag
Norm Hebert, Director
December 8, 2005
- click on "Educational and Non-Profit Institutions"
- then, click on OMB Circular A-21
Applicability: All Federal agencies that sponsor research and development, training, and other work at educational institutions shall apply the provisions of this Circular in determining the costs incurred for such work. The principles shall also be used as a guide in determining the price of fixed price or lump sum agreements.
Purpose: Establishes principles for determining costs applicable to agreements with educational institutions…designed to provide that the Federal Government bear its fair share of total costs…agencies are not expected to place additional restrictions on individual items of cost.
Acceptance of (F&A) rates: Negotiated rates shall be accepted by all Federal agencies. Only under special circumstances, when required by law or regulation, may an agency use a rate different from the negotiated rate for a class of sponsored agreements or a single sponsored agreement.
Prudent person rule – action that a prudent person would take under the circumstances:
Cost is assignable in accordance with relative benefits received – allocable to sponsored agreement if cost:
Direct costs:
F&A costs:
F&A Costs
Direct Costs
$38.5 Million F&A Costs
= 55%
$70 Million Direct Costs
Add 10% Direct Cost Cost-Share (provided by institution)
$38.5 Million F&A
= 50%
$77 Million Direct Costs
Brown's Total Direct Cost FY '05: $116 Million (55%= $63.8 Million)
How much F&A did we recover?
a) > $60 Million
b) $45 Million - $59.9 Million
c) $30 Million - $44.9 Million
d) < $30 Million
MTDC = $88 Million (55%=$48.4 Million)
a) > $45 Million
b) $38 Million - $44.9 Million
c) $30 Million - $37.5 Million
d) < $30 Million


text:
Day 1 of the Home Made Challenge went swimmingly! Being a chocoholic of sorts, I made a bunch of reduced-sweetness and chocolate-adorned ginger molasses cookies from Isa Chandra's Vegan with a Vengeance last night. That is one of my favourite recipes – it takes very little time to whip up and if you're like me (read: lazy), you can make them as drop cookies instead of going through rolling and prettifying. Lunch was a parsnip and apple soup, an inspiration I got from Toronto's Fresh restaurant. Although my version tasted fine, it's really nothing to write home about.
But what I wanted to tell you about today, is a blueberry almond muffin (mini-coffee-cake) with praline topping. Even before the Home Made Challenge, I've been regularly baking up batches of muffins for breakfasts at work. The muffins and other baked goods they sell at work are deplorable, and with only a little foresight, I could eat free and delicious muffins whenever I want. The last dozen turned out perfectly. Really, they are muffins, but their soft cakey texture and slightly tart taste could qualify it as coffee cake.


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Your New Home Starts Here
Congratulations! If you are thinking about purchasing your first home or the home of your dreams, you have begun a very exciting journey! Home Ownership is a big part of the American Dream, and is one of the biggest financial decisions and investments most people will ever make.
Buying a home can be confusing, but that's why our licensed and knowledgeable Mortgage Loan Originators are here to help inform and educate you throughout the process. They will take the time to understand and assess your current financial situation, as well as your long-term financial goals. Together with your Mortgage Loan Originator, you will select the loan program that meets your needs and helps you achieve your specific goal. We will make sure you are completely satisfied with our service and your loan solution.
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Getting pre-qualified is great for two reasons:
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Second, getting pre-qualified is recommended because it gives you a clear idea of how much you can afford. This makes the home buying process easier because it allows you to know exactly what houses are in your price range.
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Below are some of the mortgage loan programs we offer. Please click here to learn more about each program, and about other programs we offer.
A conventional, or conforming mortgage adheres to the guidelines set by Fannie Mae and Freddie Mac. The loan may have either a fixed or adjustable rate. Fixed-rate mortgages have a set interest rate for the entire length of the mortgage term. An adjustable-rate mortgage (ARM) is usually initially fixed for a set period of time, followed by periodic adjustments according to a specific benchmark.
NFM Lending is an FHA Full Eagle Lender, which allows us to underwrite government loans. FHA mortgages are loans that are insured by the Federal Housing Administration (FHA). Popular among first-time homebuyers, FHA loans are designed for low-to-moderate income consumers. FHA loans typically have a more relaxed credit requirement than conforming loans. There is also a down payment requirement as little as 3.5% available with FHA loans. These loans can only be made for a consumer's primary residence. FHA allows for "cash-out" refinances up to 85% of a home's value.
NFM Lending is a Veterans Affairs (VA) approved lender. VA loans are guaranteed by the United States Department of Veterans Affairs. These loans offer long-term financing to eligible American veterans. VA loans often do not require a down payment and offer up to 100% on the purchase or refinance (rate and term only) of a home. VA also offers "cash out" loans up to 100% of a home's value.
NFM Lending is a United States Department of Agriculture approved lender. USDA loans are guaranteed by the United States Department of Agriculture (USDA). These loans (also known as Rural Development loans) are designed to help low-to-moderate income consumers purchase homes in rural areas. Similar to VA loans, USDA loans often do not require a down payment and provide up to 100% financing for a home purchase or refinance (rate and term only if existing home is insured by USDA). USDA does not allow for cash out loans.
HomePath loans are available for consumers who are purchasing homes owned or approved by Fannie Mae. These loans offer many benefits such as a low down payment, flexible mortgage terms, flexible credit guidelines, and no mortgage insurance requirement.
Home Improvement loans are used to fund renovations and repairs made on homes. These loans can be made on a consumer's primary residence, second home, or investment property, without the need of a second mortgage. The LTV is based on the after completion value of the home.
NFM's 6 Step Loan Process
NFM Lending has an easy 6-step loan process. Your Mortgage Loan Originator will help guide you through the entire process, starting with helping you get pre-qualified before your home search. From there, we will help you through every step until your loan is finalized and you are receiving the keys to your new home!
Once you are ready to begin the mortgage loan process, fill out a short online pre-qualification request and one of our Licensed Mortgage Loan Originators will contact you, and help you start the process.
Apply online to get pre-qualified. After getting pre-qualified, you will know what your purchasing power is and you can begin searching for your dream home.
Work with a Realtor® to find the home of your dreams. They are knowledgeable and have housing-market insights that can be more beneficial than doing the search on your own. If you need help finding a Realtor®, click here to search for Realtors® in your area.
Talk to your Mortgage Loan Originator about your current and future financial goals, and they will work with you to figure out what mortgage loan is right for you. Click here to see a full list of the mortgage loans offered by NFM Lending.
To apply, you must submit the names, social security numbers, and the monthly income of all applicants, the subject property address, and the estimated value of the property being purchased. During the application process, the amount of the loan and the down payment are determined by you. At this point, we will determine if you are eligible for the loan you seek.
Below is a list of all the documents that will be requested by your Mortgage Loan Originator for review:
- Proof of employment (written verification documenting a full two years of work)
- Proof of income (pay stubs for the past 30–60 days)
- Proof of income from another source (if applicable, applicant must submit three years' documentation of social security, disability, pension income, alimony, or child support)
- W-2 forms and tax returns from the past two years
- All current mortgage information (if applicable)
- Bank information (account numbers, branch address, and bank statements from the past 2–3 years)
- Information about purchase contract(if completed), real estate certification, amendatory clause or deposit, and proof of rent/payment history on past or present mortgages)
After you submit all of the documents, your Mortgage Loan Originator submits them to Processing. The Loan Processor puts all these items together, orders a title search, helps schedule an appraiser to determine the value of the property, and then sends the application to Underwriting.
In the Underwriting process, the lender determines the degree of risk involved with lending the consumer money. Here are the "Four C's" that are evaluated in Underwriting:
- Credit: A credit report is obtained from each of the three credit bureaus—Equifax, TransUnion, and Experian. These reports are analyzed to determine how well a consumer manages debt.
- Capacity: Capacity is a consumer's ability to make payments on the loan. The consumer's employment and income is evaluated along with their current debt and assets (debt-to-income ratio).
- Collateral: When looking at collateral, the lender evaluates the type of property, value of the property, and cost. To determine the value of a piece of property, an appraiser is sent to analyze various factors.
- Capital: You need money to purchase your home.
Once the Underwriter grants approval, a clear-to-close is processed and the settlement date can be scheduled.
The closing on a loan is where all the necessary paperwork is presented and signed by both the sellers and the buyers. For most transactions three business days prior to closing, you will receive a Closing Disclosure (CD). The CD will contain all of your closing costs and factor in any down payments, credits or gift funds providing on the loan transaction. At closing, the title of the property is transferred to the buyer, an escrow account is set up, the amortization schedule is issued, funds are obtained by the buyer, and the security interest of the lender has been recorded by the County or City Clerk.
Once a loan is closed, it splits onto two different paths: the lender's path and the consumer's path.
On the lending side, a mortgage loan can either remain in a lender's portfolio or enter the secondary market. In the secondary market, loans are sold by lending institutions to private and public investors such as Fannie Mae and Freddie Mac to be sold as mortgage backed securities. The secondary market allows lenders to replenish cash reserves so that they can originate more mortgages to consumers.
On the consumer's side, the consumer makes payments on the loan following an amortization schedule. By refinancing, taking out a Home Equity Loan or Line of Credit, the loan can be modified at a later date depending on the consumer's future financial needs.
Get Pre-Qualified Today
If you're looking to purchase a home, the first thing you should do is get pre-qualified. A pre-qualification can help you have a stress free purchase transaction by letting you know how much home you can afford, and by letting Realtors® and sellers know that you have secured financing.
What is a pre-qualification?
A pre-qualification is a preliminary determination on whether the prospective loan applicant would likely qualify for credit under an institution's standards and the amount of credit for which the prospective applicant would likely qualify.
What is the pre-qualification process?
Before taking a formal application, the prospective borrower will need to submit a Pre-qualification request form, or provide the following information to the Mortgage Loan Originator:
- Borrowers' social security numbers
- Borrowers' dates of birth
- Borrowers' email addresses
- Borrowers' phone numbers
- Current address
- Previous address if in current residence for less than two years
- Employer name and address
- Previous employer name and address if at current job for less than two years
- Gross income amount
- Asset information (value of banking, investment, retirement, etc.)
- Current expenses (housing, credit card and loan payments, etc.)
- Current obligations
- Current market value of primary residence, if it is owned by borrower
Get Pre-Qualified Today!
If you are ready to start the mortgage loan process, gather the above mentioned items to help your Mortgage Loan Originator secure a pre-qualification. Please note that depending on your situation other documents may be needed.
Click here to get pre-qualified today!


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America's bounty of food will not guarantee healthy holiday table for elderly who are poor or immobile, Cornell studies show
By Susan S. Lang |
This holiday season many elderly Americans will not get enough to eat simply because they lack the mobility to prepare their own meals. Others will lack the funds to purchase nutritionally adequate meals.
As a result of such problems, the health and nutritional status of many older Americans is being significantly impaired, according to several new studies from Cornell University.
In three published studies, Edward Frongillo, associate professor of public nutrition at Cornell, and Jung Sun Lee, a postdoctoral fellow at the University of Pittsburgh who is finishing up her Cornell Ph.D., explored elderly Americans' problems in getting enough to eat and the assistance provided by food programs. Unlike most research on so-called food insecurity (defined as not getting enough to eat, occasionally or often), which mainly has looked at families with young children, Frongillo and Lee studied the vulnerable elderly population.
Using national and state data on more than 6,600 adults, ages 60 and older, from the Third National Health and Nutrition Examination Survey (1988-94) and the Nutrition Survey of the Elderly in New York State (1994), the researchers found that factors such as poverty, low education and social isolation are related to inadequate purchasing power for a nutritious diet. The researchers also report in the Journal of Gerontology (2001, 56B:2, pp. S94-S99) that functional impairments, such as serious disease or disability, greatly increase the risk of not always having enough to eat.
"The findings suggest that elderly persons with a functional impairment, even when they have plenty of food in the house and social support available, are at a much higher risk for food insecurity than those without impairments," says Frongillo. The second study, which used data from the same samples and is published in the Journal of Nutrition (2001, 131, pp. 1503-1509, available at http://www.nutrition.org/cgi/content/full/131/5/1503 ), found that older people, whether or not they have adequate resources, tend to consume less than the recommended dietary allowance (RDA) for calories and seven nutrients. The elderly who don't always having enough to eat tend to consume fewer calories and less of 18 nutrients, particularly protein, iron, magnesium and zinc, vitamins B-6 and B-12, riboflavin and niacin, compared with those who do have sufficient food. About one-third of the food insecure studied were homebound, half were considered poor and two-thirds functionally impaired.
"Older Americans need more attention because food insecurity is an undesirable phenomenon, not only because of its negative impact on health and nutritional status, but also because it is ethically unacceptable," Frongillo says.
The third study, published in the Journal of Nutrition (2001, 131, pp. 765-773) and available at http://www.nutrition.org/cgi/content/full/131/3/765 ), looks at how participation in food programs, such as the U.S. Department of Agriculture's (USDA) Food Stamp Program, is related to the nutritional and health status of the elderly. Using the same data sets as in the other two studies, as well as data on 7,527 adults, ages 70 and older, from the Longitudinal Study of Aging (1984-1990), the researchers conclude that analysis shows no statistical benefit from food-assistance programs. But, Frongillo explains, that is probably due to the limitations in the available data: It is unethical to keep a group of elderly people unassisted, even though they are clearly not getting enough to eat, and compare their welfare with those participating in programs.
"This is a common problem and must be addressed by improving study designs as well as by making food assistance programs as effective and beneficial as possible for our vulnerable elderly population," concludes Frongillo. However, he says, anecdotal evidence consistently reports benefits of the assistance programs to the elderly.
The studies were supported, in part, by the USDA.


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Q: Do you require the completion of marriage classes?
Q: What are the restrictions (if any) regarding time/date of ceremony?
Q: Are there restrictions on decor, music, number of guests or number of people participating in ceremony?
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30 Mar Improve your team communication–Improve your bottom line
Posted at 12:42h in Business, General, Marketing Leadership 0 CommentsHow would you describe your competence at using data to improve your decision-making? How about your organization's competence? Using information to do something more effectively is something we think and talk a lot about at Tracking First. I'm all about leveraging information so you have a single version of truth within your team. When I owned a tech company in the 90s, people began to approach me for help with job search and business advice. Before long I had a little side hobby, helping friends and family to get jobs, and get their businesses launched. Eventually I decided to compile the things I was telling people in a book.


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Relax . . . Go on Vacation -
Video Lab designs and installs both High Resolution Analog and High Definition Digital IP Video Surveillance Equipment. With High Speed Internet you can access and monitor your property from anywhere.
We also sell and service Video Surveillance Cameras, DVR and NVR Equipment as well as Computer Servers and other specialty IT and CCTV Equipment.
We have been doing this type of work since the early 1980's.
We have a staff of four full time service technicians, a parts manager, a shipping department as well as secretarial and sales staff.
If observation and security of your property or other valuables are important to you, Please give us a call today for a FREE systems design quote!
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Our store is located at 4444 Center Terrace on the
corner of Alpine Road and Center Terrace, across
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Our store hours are Tues-Fri 10:00am til 6:00pm and Sat. 10:00am til 3:00pm. We are closed on Sunday and Monday.
For a FREE systems quote call us at:
Video Lab, Inc.
Video Lab is a division of Sounds Classic and Video Lab, Inc.
You can also find us at SoundsClassic.com


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\"Windows 10 Support Number is best helpdesk for support Windows 10.Windows 10 good OS for user but some user find error. Windows 10 is part of Microsoft Support Number. And Microsoft gives idea for Windows 10 error. These error resolve by Windows 10 Online Support.\n\n\"\n
Download Policy: Content on the Website is provided to you AS IS for your information and personal use and may not be sold / licensed / shared on other websites without getting consent from its author.While downloading, if for some reason you are not able to download a presentation, the publisher may have deleted the file from their server.


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Ursa Major made a promising start at Dundalk last month and returned there to land a maiden where he stayed on strongly over that 1m3f trip. Edge Of Sanity was never likely to be a star over 7f and this should be more his trip though an entry in the 2000 Guineas at the Curragh suggests he's well regarded. Azamata showed real promise in his first campaign and made a winning return at Leopardstown when beating Dynamite Dixie in a maiden though the runner-up has been beaten twice subsequently. ATHENS is entered in everything and will enjoy the testing ground as he did when scoring over a mile at Listowel last season. He's competed at a higher level since and should be good enough to concede 4lb to these rivals.
Athens (IRE) 12-1 (9-3) Led, ridden entering straight, strongly pressed and headed 1f out, no extra, 4th of 7, 6l behind Light Heavy (9-3) at Leopardstown 1m 2f 3yo Grp 3 (1) gd.
Azamata (IRE) 7-4fav (9-5) Tracked leaders in 4th, pushed along 4f out, ridden in 3rd 2f out, soon went 2nd, stayed on strongly final furlong to lead close home, won at Leopardstown 1m 2f mdn stks gd in Mar beating Dynamite Dixie (9-5) by nk, 11 ran.
Edge Of Sanity (IRE) 20-1 (9-0) Prominent, 2nd halfway, ridden entering straight, soon no extra in 3rd, dropped to 4th under 2f out, 4th of 11, 10l behind Akeed Mofeed (9-0) at Leopardstown 7f 2yo mdn gd in Sep.
Ursa Major (IRE) 2-1fav (9-5) Tracked leaders in 4th, ridden early straight, 3rd over 1f out, kept on under pressure to lead final 100 yards, won at Dundalk 1m 3f 3yo mdn stks pol beating Voleuse De Coeurs (9-0) by nk, 9 ran.


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The eighty-ninth issue of Doctor Who Adventures had a cover date of 6 November - 12 November 2008.
Contents Edit
Free gift Edit
- A Mini pull-back Dalek and stickers
Information / Fact File (Photo feature and Essential Info) Edit
- PREVIEW ADVENTURE GUIDE: TV: The Mark of the Berserker Part 1
- ADVENTURE GUIDE: TV: Clyde Langer
- FACTFILE: The Doctor's Daughter Jenny
- ACTION REPLAY (Analysis): TV: The Fires of Pompeii showing Donna Noble about to be sacrificed by the Sibylline Sisterhood
Comic content Edit
- The Man in the Moon (Part Two) (5 pages)
Tales from the TARDIS Edit
- From: TV: The Empty Child - Featuring the Doctor , Rose Tyler and Captain Jack Harkness surrounded by gas-masked zombies.
The Doctor's Data (Collectable Fact File) Edit
- Ultimate Collection: TARDIS Part 1 of 4 of a booklet
Posters Edit
- A3 Best Monster 2008 - montage featuring the Daleks
- A4 "I've been a FATHER before" The Doctor from TV: The Doctor's Daughter - featuring the Tenth Doctor
- A4 "How about a PARTY?" from TV: Secrets of the Stars - montage featuring Sarah Jane Smith and her friends
Additional features Edit
- Welcome and news (including readers favourite 2008 Monster)
- Find in this issue hidden somewhere Rani Chandra for a Cyberman Etch-a-sketch!
- Activity / Make-it
- Activity Game: Dalek Dodger 2-page Maze illustrated by Ben Morris
- Puzzle Pages and Doctor Who Quiz (Who are you most like?)
- Readers contributions: Monster Gallery / Time Agent Upload / Doctor You
- featuring reader's letters, photos, and art.
- Competition Goodies (Horrible Histories/Science kits, Wii Shrek packages)
- BIG WIN: Life-size Dalek Sec (worth £2,495!) Bonus Token
Credits Edit
Also listing: favourite 2008 monster
- Editor: Moray Laing, The Daleks – they are probably the best monster – EVER!
- Deputy Editor: Annabel Gibson Dalek Caan – I love his sinister giggle
- Senior Art Editor: Paul Lang, The High Priestess – Sisteeeeeeeeeeers!
- Art Editor: Steve Clarke, The Judoon!
- Production Editor: Liza Millett, Dalek Caan – gloriously bonkers!
- Picture Editor: Shaila Bux, Vezzzzzzzpiform!
- Writer: Mel Bezalel, The Natural Ood – their lovely brains melted my heart
- Extra reporting, Sarah Jane Smith, Daleks – all the time!
Hidden Away / Facts Edit
- This magazine can be recycled: "They'll never find me here!" thought Rani. Wrong!
- Miss Foster: "I nibbled my sonic pen, by accident – it really hurt my fillings!"
- Readers result for top 5 2008 monsters: Sontarans at 5, Vashta Nerada at 4, Adipose at 3, Davros at 2 and Daleks tops!
- Jenny, the Doctor's daughter, was a Generation 5000 soldier.
- When one of the Sibylline Sisterhood places their hands over their eyes, the whole Sisterhood can see what's going on.
- The Doctor's TARDIS is a Type 40.
Additional details Edit
- This issue included a special twelve-month subscription offer that included:
- Time Agent membership
- A gift card in time for Christmas
- A birthday card
- Instead of the usual weekly free gifts, five gifts throughout the year including: Dalek rucksack, Cyberman stationery, Magazine box files, TARDIS with handy storage, monster fact files and a Doctor dress-up set (consisting of a pair of glasses and a sonic screwdriver).
- This special offer subscription (also supported by an eight-page pullout section in the BBC's weekly listing magazine Radio Times) cost £1 for the first month, then £6 per month thereafter,
- This issue and its free gifts were cover mounted.
- Next issue's free gifts are listed as a spinning Weeping Angel and stickers.


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There is a government-sponsored program whereby you can get tax credits for making investments in commercial projects in low-income areas.
Enacted in December 2000, the new-market tax credit program is helping to create jobs and revitalize streets and even entire downtowns. Projects large and small that most financial specialists agree would never come to fruition otherwise are taking shape because of tax credits worth $500,000 to $150 million and even more.
Tax credits make riskier projects more viable by reducing the debt associated with development costs. Private investors pay less in taxes and the developer passes the savings on to the community by, for example, lowering rent per square foot.
The federal program will allocate up to $15 billion in tax credits to community development groups over seven years to make businesses or commercial real estate projects in low-income areas more attractive to private investors … Though the tax credits can be used for business development, the majority are used for commercial real estate because of the way the program is structured.
Complete article: Luring Business Developers Into Low-Income Areas – by Lisa Chamberlain, The New York Times


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These healthy, dairy-free blackberry and banana muffins were so good they didn't hang around for long at our place. I wasn't quite sure whether the kids would go for them or not – the blackberries turned the muffins a bit pink and the wholemeal flour and oatmeal gave it a bit of a, well, healthy taste! But they, and we, absolutely loved them and they're perfect for a late summer picnic, lunchbox filler or perhaps an after-school snack (something that is new for us but seemingly essential). They'd also be good for breakfast.
200g wholemeal plain flour
80g oatmeal
2 tsp baking powder
1/2tsp bicarbonate of soda
1 tsp ground cinnamon
2 large, or 3 medium ripe bananas, mashed
1 egg
120g caster sugar
75ml sunflower oil
140g blackberries
Pre-heat an oven to 200°C, 180°C fan, gas mark 6. Line a 12-hole muffin tin with muffin cases. Sift the flour, baking powder, bicarbonate of soda and cinnamon together into a large mixing bowl. Stir in the oatmeal.
In a separate bowl beat together the egg, sugar, bananas and oil. Mix well. Fold in the flour mixture. Finally stir in the blackberries. Spoon equal amounts into the muffin tins and bake for 15-20 minutes until firm on top.
I'm entering this post into the following blog challenges:
Firstly, the autumn four seasons food challenge hosted by Delicieux & Eat Your Veg, the theme this season is fruit.


text: http://rapidshare.com/files/3190185...on.December.2009.Retail.Ebook-ATTiCA.rar.html View: Full | Compact Essential Facebook Development's Notes Source code for the Compliments Application and Code ListingsShare Thursday, November 19, 2009 at 9:38pm This zip file contains the Compliments application source code and listings for each chapter of the book. src_1.0.zip Updated about 8 months ago · View Original Post Jahanzeab Rafiq likes this. Facebook's Next Steps: Facebook's Roadmap for 2009Share Wednesday, November 18, 2009 at 11:05am Cappy wrote a great summary of Facebook's roadmap for 2009 over on the Thought Labs blog. It talks about changes to the stream, profiles boxes, platform policies, and the Open Graph API. Again, a huge shift is coming in how applications work on Facebook. We should have updated information for readers of our book on how to take advantage of these changes in their applications soon. Updated about 8 months ago · View Original Post John J Maver likes this. Latest Facebook Resources List from Appendix AShare Wednesday, November 18, 2009 at 8:47am Appendix A – Resources This appendix serves as a quick reference for important resources or commonly accessed URLs related to developing for the Facebook Platform. Additionally, the most important beta features Facebook has released are described. Links These links are grouped into links on Facebook, links related to developer tools outside of Facebook, and other external sites that provide good references for Facebook developers. Facebook Facebook provides a lot of documentatiooits wiki and other pages, which can make it difficult to find specific items. We believe that these are the URLs that developers will access frequently: Application Verification Program – http://developers.facebook.com/verification.php Client Libraries – http://wiki.developers.facebook.com/index.php/Client_Libraries Custom Tags Directory – http://wiki.developers.facebook.com/index.php/Custom_Tags_Directory Developer Application - http://www.facebook.com/developers Developer Wiki – http://wiki.developers.facebook.com/index.php/Main_Page Developer Forum - http://forum.developers.facebook.com/ Developer Test Accounts – http://www.facebook.com/developers/become_test_account.php Developer Test Consoles – http://developers.facebook.com/tools.php Facebook OpeSource – http://developers.facebook.com/opensource.php fbFund – http://developers.facebook.com/fbFund.php?tab=about Guiding Principles – http://developers.facebook.com/get_started.php?tab=principles Platform Statistics – http://www.facebook.com/press/info.php?statistics Terms of Service – http://www.facebook.com/terms.php Developer Tools These websites contain tools that enable or assist with Facebook development that wecover in this book: APC – http://php.net/apc Firebug - http://www.getfirebug.com/ Firebug Lite – http://getfirebug.com/lite.html Memcached – http://www.danga.com/memcached Web Developer Toolbar – http://chrispederick.com/work/web-developer YSlow – http://developer.yahoo.com/yslow YUI Library – http://developer.yahoo.com/yui Facebook News These websites provide news updates for developers and users: All Facebook – http://allfacebook.com/ Developer News – http://developers.facebook.com/news.php Facebook News – http://blog.facebook.com/blog.php Inside Facebook – http://www.insidefacebook.com/


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Kurt Knierim Joins Virtual Katy's Management TeamBrings over twenty years of business development and management experience (March 01, 2005)
Virtual Katy Development Limited, a Digidesign development partner delivering workflow solutions for audio professionals, today announced that Kurt Knierim has joined Virtual Katy's management team as Director of North American Operations. Based in San Francisco, Virtual Katy's North American headquarters, Kurt will oversee Virtual Katy's sales and business development efforts for the postproduction markets in the United States and Canada. Kurt's extensive background encompasses 20 plus years of industry experience working for and with leading manufacturers such as Adobe, Apple, Hewlett Packard, Intel and Sense8.
"As we continue to grow, it is critical for Virtual Katy to attract top talent to lead our business units," comments John McKay, founder and head of development, Virtual Katy. "Kurt's extensive knowledge and successful track record for developing business ventures in the content creation industry is impressive and will without a doubt play a key role in expanding our operations and marketshare in North America."
Knierim held management positions with graphics pioneers Digital Research, Fractal Design and Specular International. He was responsible for establishing and managing national distributor and reseller channels and for building direct sales organizations to support the rapid adoption of desktop content creation tools by Disney, LucasArts, Boss Film Studios and (Colossal) Pictures. In the late 1990's, as a Partnership Manager in Apple Worldwide Marketing, Kurt managed the transition of high profile partner Adobe Systems, in the migration of its line of content creation products to Mac OS X.
For more information about Virtual Katy, please visit their web site at www.virtualkaty.com.
About Virtual Katy Development Limited
Virtual Katy Development Limited is a New Zealand based software developer focused on delivering innovative solutions for the postproduction world. Their flagship product, Virtual Katy, is a battle hardened program designed for audio professionals.
In December 2003, New Zealand based Angel Investor, Sparkbox, invested in Virtual Katy Development Limited. Through this investment, Virtual Katy Development Limited expanded their operations globally and is well positioned to fulfill the technology needs of the postproduction community.
For more information visit www.virtualkaty.com.
Page: 1
Related Keywords:Virtual Katy, Kurt Knierim, Digidesign, postproduction, John McKay,


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While we joke that men are from Mars and women are from Venus, our gender differences can't compare to those of other animals. For instance: the male garden spider spontaneously dies after mating with a female more than fifty times his size. Female cichlids must guard their eggs and larvae--even from the hungry appetites of their own partners. And male blanket octopuses employ a copulatory arm longer than their own bodies to mate with females that outweigh them by four orders of magnitude. Why do these gender gulfs exist?
Introducing readers to important discoveries in animal behavior and evolution, Odd Couples explores some of the most extraordinary sexual differences in the animal world. From the fields of Spain to the deep oceans, evolutionary biologist Daphne Fairbairn uncovers the unique and bizarre characteristics--in size, behavior, ecology, and life history--that exist in these remarkable species and the special strategies they use to maximize reproductive success.
Fairbairn describes how male great bustards aggressively compete to display their gorgeous plumage and large physiques to watching, choosey females. She investigates why female elephant seals voluntarily live in harems where they are harassed constantly by eager males. And she reveals why dwarf male giant seadevils parasitically fuse to their giant female partners for life. Fairbairn also considers humans and explains that although we are keenly aware of our own sexual differences, they are unexceptional within the vast animal world. Looking at some of the most amazing creatures on the planet, Odd Couples sheds astonishing light on what it means to be male or female in the animal kingdom.
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Very dry but well read detail
Best: Great narrator of dry subject and detail regarding the animals, Least: Only people who love biology would be drawn to a book of this detail but paradoxically, a biologist will be familiar with the subject in most cases. I did encounter some new information. Author often waxed repetitive at the end of chapters, which were too short to need that summary repetition.
There were some interesting details about some species.
Not a character. Narration of scientific research.
Yes, as I take long drives in areas with no radio reception. But there have been better Audibles to listen to.
Narrator cracked me up when she read "viscious" as "viscous" when referring to the nasty beak of the octopus. Well, maybe there was a typo in her script.
- Katibird


text: The Voynich manuscript is an illustrated codex hand-written in an unknown writing system. The vellum from the books provides a carbon-date to some time in the early 15th century (1404–1438), possibly composed in Northern Italy during the Italian Renaissance. The manuscript is named after Wilfrid Voynich, a Polish book dealer who purchased the object in 1912.


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Model X
The Model X is designed with large scale commercial deployments in mind, making it the iBeacon technology of choice of top brands and retailers.
- 5 Year Battery
- Security
Model O
The Model O is our newest beacon. It's tiny, inexpensive, and powerful.
- Replaceable Battery
- Low Cost


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|Nema na stanju
|Šifra Proizvoda:
Roksan K3 DAC Anthracite Digital To Analogue Converter. If you love music, then you're going to love the K3 DAC and the fact that you'll be able to access the latest 24bit / 192kHz musical resolutions via balanced, XLR, Coaxial and Toshlink, plus USB type B inputs. Being able to play these high resolution files though DSD1794A also brings another dimension to CD's working its magic to bring every ounce musical detail thanks to it's massive scaling ability. Moving up with the music resolutions scales, the K3 DAC will also stereo files from 48kHz to the new kid on the block, DSD 128k files. This means that you can enjoy a truer audio experience which will bring some files like DSD files closer to that trusty Vinyl, LP sound.
Build quality of the K3 is as you would expect is sublime, with a chassis that allows all the components to be properly isolated and become free from interference. They have also kept the familiar look of the K3 family enabling K3 fans to keep that bespoke look. Musically, you quickly become accustomed to its musical prowess and how it transforms the sounds in your room for the better with a wider more transparent sound stage.
So, if you're looking to breathe new life into your hifi system or just wish to make your K3 system even better than you thought it could then take a look at one of the best DAC on the markets under £2k, it really has the ability to shine with its musical reproductions and will transform any half decent system into one that will become a dream to hear.
|Integrated K-LINK wireless streaming
|Yes with optional device
|Digital to Analogue Converter
|DSD1794A DAC chip by Texas Instruments
|DSD playback capability
|User remote included
|Chassis Design
|Elegant new chassis design with improved ventilation
|Digital Streams Supported:
|DAC Chip:
|Texas Instruments DSD1794A ,
Advanced DAC architecture
|Digital Inputs:
|1 x AES3 / SPDIF XLR (up to 192kHz),
1 x SPDIF Optical Toslink (up to 192kHz),
1 x SPDIF Coaxial RCA (up to 192kHz),
1 x Rear Panel USB-B,
1 x Front Panel USB-B,
|Analogue Output:
|1 x XLR pair,
1 x RCA pair
|@ 1kHz –20dBFs < 0.003%,
@ 20Hz -3dBFs < 0.008%
|Dimensions (W x D x H):
|432 x 380 x 105mm (Incl. Feet)
|Na Lageru 20 komada
|Šifra proizvoda:
|In Ear
|Driver Size:
Studio Quality Sound Experience From Elegant and Understated Design Denon's Music Maniac™ AH-C50MABK In-Ear Headphones feature 9mm drivers professionally tuned to a Flat EQ to deliver an acoustically transparent music experience. The AH-C50MABK In-Ear Headphones also feature an in-line 1-button remote and microphone for easy control of select Android and Apple devices and other smartphones*, as well as clear phone conversations and voice recognition operations.


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Made by Joey Zentangle Challenge. This week Joey challenged us to use the initial of our first name and tangle patterns starting with the same letter. I've used the "crescent moon", "chard", "coral seeds", "chemystery" and "croon" tangle patterns. I might just laminate this one and turn it into a coaster!
Stay beautiful
Wednesday, 9 April 2014
Made by Joey - Weekly Zentangle Challenge
2 comments:
Lovely Chrissie, thanks so much for linking up your challenge!ReplyDelete
I asked you in the comments on my blog, which pattern is Coral Seeds? I couldn't find it when I tried to look it up.
What a great idea to stop anyone from stealing your coaster! ;o)
~ joey ~
Great choice of patterns and great combination and execution!ReplyDelete
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Do you have favorites from either genre?
sort by best latest
I enjoy both, but I gravitate toward the popular genres. Probably because literary fiction tends to be on the depressing side of things. Plus, genre fiction like fantasy and science fiction can show us things we will never see in real life, which gives them an imaginative quality that I can't seem to get enough of. But, in my experience with both, one isn't better than the other, it's all a matter of opinion. A lot of people see the popular genres as fluff, but each side of the spectrum is equally capable of producing classics and duds.
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Thanks for your reply. It's an interesting observation you've made in regard to literary fiction being depressing. It tends to concentrate more on the life and human elements of characters. I think it's good to read from all genres.
I completely agree about reading all genres. And I think it's the literary genre's depiction of human elements that results in my perception of it being depressing. Real life can be a real bummer sometimes.
I read both; as a matter of fact, I am one of those who read several books at a time. I just finished, 'Lolita' and am now starting on 'Inferno' by Dan Brown. I like to test the waters and expand my boundaries, which in turn expand my mind. I believe that reading is not just entertaining, but educational as well. I also feel that as a writer, it is essential that I read. I don't know if not reading means you can't be a good writer, but I do believe that the more you read, including the variety of work you read, that the better your writing will be. Obviously, Rebekah, you have done an enormous amount of reading! :)
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I agree that writers need to read, a lot. I've read Lolita years ago, but would read it again. I've read some Dan Brown but not Inferno. I have his illustrated hard cover, DaVinci Code, which I loved. Thanks for the compliment! I am a reader. :)


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Presentations 2016
Retreat Presentations 2016
Friday, May 27
The Field of Evolving Consciousness
with Maja Apolonia Rodé, Ph.D.
As healers, artists, and teachers of nondual awareness each of is called to develop our unique way of sharing the deepest truths we know. By connecting with the larger field of awakening consciousness to which we contribute, we tap into a powerful well of support for our work. We also add to the value of the field itself — just by being aware of it and aware of each other within it. In this presentation, Maja will share inspiring examples that reveal an emerging global culture of awakening, and guide us to connect with the purity and power of this field.
Maja Apolonia Rodé, PhD, cultivates conscious community and shares an inspiring array of creative expressions with one common purpose: to support the realization and flowering of our true nature. From sacred rituals to playful games, ethereal chants to irreverent raps, and meditative arts instruction to marketing with integrity, Maja's work invites us into the sacred depths of our being where we can bring life to our true creative potentials — individually and collectively. Maja holds a Ph.D. in Transpersonal Psychology and has worked closely with Adyashanti for 16 years as the Creative Director of Open Gate Sangha.
Awareness and the Heart
with Kent Welsh
"""Who Am I?"" This was the core teaching of Ramana Maharshi, the primary inspiration for the modern satsang / nondual movement. The answer is primarily a ""not finding"" of what has been identified as self. Recently, Kent has been engrossed by the question ""What Am I?"" and its potential to bring us deeper into our essence. In this presentation, Kent will open up an exploration of the relationship between unconditional awareness identity and our home as unconditional love."
Kent Welsh is the Co-Founder and Co-Director of Open Circle Center, which for over 10 years has been hosting satsangs and gatherings for nondual teachers in the San Francisco Bay Area, and is now hosting international online events as well. He is also a founding board member of the Center for Nondual Awareness. Kent lives in Berkeley, CA.
Revealing The Treasure
with Shannon Pernetti and Diane Steinbrecher, LCSW, PC
Diane and Shannon will be presenting the Inner Refuge (from their soon to be released book) and how we apply nondual psychotherapy to "Reveal the Treasure" for clients in our practices. They will particularly focus on the adult reactive states and thought structures conditioned during the early formative years, when the implicit memory is unconscious. These unconscious memories are revealed in reactive states, thoughts and somatic memories, all as the psyche's attempt to bring wholeness and consciousness of our 'Treasure'. Following the presentation, they will facilitate a community discussion about how practitioners are working with the Inner Refuge and applying nondual awareness in their work — so we can learn from one another!
Diane Steinbrecher, LCSW, PC, and Shannon Pernetti are Archetypal Pattern Analysts who have been trained in numerous traditional, holistic, somatic, and transpersonal models of therapy, as well as extensive group facilitating experience. They have both been in private practice for over three decades.
Shannon and Diane also completed 12 years of supervision and training with Michael Conforti, Ph.D., Director and Founder of The Assisi Institute and are on the Faculty of The Assisi Institute, International Center for the Study of Archetypal Patterns.
They are both Ministers and graduates of a four year Spiritual Teacher Training Program, and have been Nondual Coaches in the Radiant Mind Program since 2010. They both continue to be in private practice doing therapy, supervision, consultation, and training.
Exploring Shame
For many of us, turning toward our evolving edges brings us into contact with the experience of shame. There can even be the sense that we'll be destroyed if we dare open to our shadowy places. Our capacity for self-discovery and evolution often seems to be predicated on our willingness to meet such experiences of shame. In this session Adam will invite a gentle yet direct exploration of how we experience shame.
Adam is the founder of The Center for Nondual Awareness (www.nondualcenter.org) and the creator of "Falling Open," a four-month online course that transforms the way participants experience life. He originally began publicly offering nondual teaching and coaching with the encouragement and support of Peter Fenner. Adam's work has also been greatly influenced by the heart-centered teaching of Jeannie Zandi.
Creativity, Art, and Nonduality
with Hilary Farberow-Stuart, N.D.
Explore art and creativity from "This." This exploration allows us to tune in to an inner flow, which has no prerequisite outcomes, does not require planning, and encourages artistic expression through various forms of play. Be prepared to get messy! Bring an apron and/or clothes you don't mind getting dirty.
With a B.A. in Psychology, Hilary Stuart was led to the Naturopathic profession by a deep passion for understanding who we are, what illness is, and how healing happens. Hilary graduated from the National College of Naturopathic Medicine (NCNM) in Portland, OR, in 1987. In private practice since then, her fascination with the realms beyond the physical have led her to study with many teachers, both internal and external. She is currently on the Board of the Center for Nondual Awareness, and is the cofounder and on the Board of the Naturopathic Psychospiritual Collaborative. In the last few years she has delved into art, specifically painting, from the nondual perspective.
Saturday, May 28
Edge? What Edge?
with Jan Hodgman
An experiential invitation to dissolve the edge. Let's look at our English language and sense how, by its very nature, it reconstructs duality. How can we use words to go beyond words?
Jan Hodgman is a Zen priest with 8 years monastic experience, and is also a Focusing trainer. She facilitates Radiant Mind gatherings and offers Luminous Awareness gatherings and telecalls. Jan has been a board member of the Center for Nondual Awareness since its inception.
Evolution and Paradigm Shifts
with Sonya Amrita Bibilos
When we embody awakened consciousness, we create a new way of living based on truth, alignment, and love. We still often don't realize how deeply we can liberate any aspect of life and move into completely new paradigms of living. Over time, the way we live can create ripple effects of evolution in the communities around us; we become agents of certain kinds of evolutionary change. In this talk, Sonya will discuss the anatomy of a paradigm shift and open doors of possibilities for evolutionary liberation in any area of life. After the talk, Sonya will lead a guided visualization and deep inquiry, followed by a facilitated discussion about our individual and collective evolutionary edges and opportunities.
A gifted teacher, energetic healer, and intuitive guide, Sonya Amrita Bibilos experienced a series of life-changing awakenings while working at a Silicon Valley software company, and later while serving as the Program Director for her spiritual teacher, Adyashanti. For over 12 years she has been supporting individuals and couples to awaken and live their awakening through every area of their lives.
A New Paradigm of Sexuality in Spiritual Embodiment
with Sara Cristina Naon
Sara's current edge of exploration in her nondual practice is the role of sexual healing in awakening and embodiment of True Nature—including its role in the individuation of consciousness. Through her presentation and guided experiential practice in diads, Sara will explore what happens when we recognize sexuality as part of the divine experience in human bodies and what it could be like to be seen openly in our experience of it without shame, embarrassment, or fear. She will explore what a new paradigm in human society might look like when sexual energy is reclaimed as the powerful, innocent, and clean force of the sacred that it is.
Sara Cristina Naon has been inquiring into the nature of her own consciousness for 20 years. Through many loving connections, grace and guidance from teachers, she grew and unfolded in her spiritual journey and continues to do so. In 2015 she was given a blessing by her teacher to share from awareness and has been engaged in one-on-one sessions ever since. Most recently her consciousness has drawn her into deep embodiment and to sexual healing for both men and women. She practices as a healer as well as an awakening coach, and is the treasurer and administrative assistant for The Center for Nondual Awareness.
A Frank Conversation About Survival and Surrender
with Bruce Nygren and Elinor Nygren Szapiro, MA, LPC
Fight, flight, and solve are strategies hard-wired into our body-minds, activated automatically when we are faced with physical and psychological difficulties. In extreme or long-lasting painful situations, the One who surrenders is eclipsed by the immediate demand to react, and our hypervigilance can often persevere for quite a long time. How, in these situations, can we come back into contact with our ever-present, unconditioned True Self? After a short, clarifying talk and a guided meditation, we will have the opportunity to dig deep into this issue together, fellow travelers along the road to nowhere.
Bruce and Elly Nygren have been consistent meditators for almost 50 years and in the 1970's co-created a monastic-like community in B.C. where they had life-altering awakenings to Spirit.
Elly has an M.A. in Buddhist and Western Psychology and was faculty (clinical supervisor and group leader) in The Naropa University Contemplative Psychology Dept for most of the 1980's. She has been a licensed psychotherapist in private practice for 40 years and became a Non Dual Coach in the Radiant Mind program in 2005. In her psychotherapy practice she helps people heal core issues through an intuitive blend of nonduality and deep somatic based therapies, such as Brainspotting and EMDR.
Bruce is a retired woodworker who founded two successful businesses, along the way designing and building the entire line of listening stations and store displays for the publishing company Sounds True. He has studied deeply in all spiritual traditions and with several teachers, most notably Adyashanti. Looking to the conscious living of Life itself for spiritual revelation, his greatest teacher has always been his heart.
Bruce and Elly offer satsangs and nondual workshops in person and online through their organization, Spacious Presence.
Brush with Bliss
Dip a brush into the ink of this moment and the koan of stillness can arrive on paper. "This" becomes a gesture, often called painting. Allow brush to follow breath. To think is superfluous. Forget the self. The materials — ink, brushes, and papers — will be provided.
Roberta Pyx Sutherland, an artist for life, is deeply influenced by Zen art practices and is exploring lineage and mentorship.
Sunday, May 29
Surrendering to Awareness
with Caverly Morgan and Barnaby Willett
Often in spiritual practice there is the encouragement to observe. From that place of observation we attempt to "be with" what arises. When does that intention get colonized by the ego? Who is it that is "being with"? What is it that is "being with"? What shifts in our practice when we surrender what is arising to awareness? What shifts when we recognize ourselves as awareness?
Caverly Morgan is the founding meditation teacher of One House of Peace. Her teachings integrate the original spirit of Zen with a contemporary nondual approach. Caverly has been dedicated to practice since 1995, including eight years as a monk at a silent Zen monastery. She lives in Portland, Oregon and leads meditation workshops, retreats, and online courses. Caverly is also the founder and director of Peace in Schools and created the first accredited high school mindfulness course in the United States. This course is currently offered in five high schools in the Portland area and continues to grow.
High School Mindfulness
with Barnaby Willett and Caverly Morgan
How can we go beyond the basics of mindfulness when working with youth? What if mindfulness was a for-credit discipline in high schools? Learn how Peace in Schools, a Portland nonprofit, launched the nation's first semester-long mindfulness class — now in five high schools. Hear how students go beyond basic instruction and develop integrated and transformative mindfulness practices. Our teens are learning to live from a place of compassion and unconditional love. We're finally at a point where the world is ready to see mindfulness awareness practices become an integrated part of public education.
Barnaby Willett is Director of Communications and a mindfulness instructor for Peace in Schools. He has studied in various meditation traditions since 1994. Barnaby has worked with teachers such as Toni Packer, Peter Fenner, and Caverly Morgan. He believes strongly in making mindful awareness practices accessible to everyone.
Visioning Circle for the Center for NonDual Awareness
with Sonya Amrita Bibilos
At the end of the retreat, Sonya Amrita will lead a sacred visioning process for the Center for Nondual Awareness. This sacred circle will give participants an opportunity to deeply tune into the essence and potential of the Center and its members in order to gain fresh insight, wisdom, and clarity about the Center's future and possible offerings. This visioning circle is optional, and we would love to have you join us if you are:
* Feeling connected to the Center, its purpose, mission, and potential.
* You would love to see how the Center could support you more in your work and life.
* You would love to participate and engage more with the Center.
A gifted teacher, energetic healer, and intuitive guide, Sonya Amrita Bibilos experienced a series of life-changing awakenings while working at a Silicon Valley software company, and later while serving as the Program Director for her spiritual teacher, Adyashanti. For over 12 years she has been supporting individuals and couples to awaken and live their awakening through every area of their lives.


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Wild Style [A Brooklyn Hip Hop Festival Event]
Celebrating almost 30 years since it's first release, Charlie Ahearn's film about b-boys, graffiti and MCing is often referred to as "Hip-Hop's First Motion Picture." The film is being paired up with and will follow a screening of BIG FUN IN THE BIG CITY.
This landmark film features seminal figures of the era engaging in the various elements of Hip-Hop culture, including Fab Five Freddy, The Cold Crush Brothers, Rock Steady Crew, Lady Pink, Lee Quinones, Grandmaster Flash, Grandmaster Caz and many more! Read more here.
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Wild Style [A Brooklyn Hip Hop Festival Event]
Tuesday, July 10, 2012, 8:15 pm–9:45 pm
On Tuesday, July 10th, Filmwax will be a co-presenter at the Brooklyn Hip Hop Festival and will feature screenings of Wild Style (1983) and Big Fun in The Big Town (1986) at the Brooklyn Central Library Dweck Auditorium at Grand Army Plaza.
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The Dweck Center at the Brooklyn Public Library
10 Grand Army Plaza, Brooklyn, NY 11238
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Valentine Poems, Iphone
February 13, 2011 by Post Team
Valentine Poems, Symbol of love and the unofficial logo of the Valentine's Day. But, in fact, somewhat difficult to match in a poem. Here are a few: When you're on a budget to woo: I win your heart, how about a date to the basket on the street? For that girl you're dating, who is straight out of a horror movie: Oh, be still my heart, please do not stop it with a dart lawn. When you've been together a long time and everything goes: I'll always be my heart, because you do not like that I fart. For the short-term relationship: Today you have my heart, but I'll need it back when we split.
Love! This day in honor of Valentine's Day is all about. Young love, new love, old love, young love, unrequited love. All the different kinds of love, but what rhymes with it?
When you send a message chicakdee possessive: You can have all my love, but do not keep me caged like a dove.
For the couple in their "golden age" or those with a newborn and are somewhat sleep-deprived: Remember the old days, love, when I could find my left glove?
For you guys jealous: I'm glad you're my love, but when I see your ex, it, I'll push.
As you know, Valentine's Day will soon be upon us and what better way to impress your Valentine by reciting a poem of love on Valentine's Day to the one that captured the heart after the candle lit romantic dinner special Valentine.
So with that in mind, and we're not all poets, but perhaps a device iOS we have a couple of applications Valentine Love Poems for IOS devices, a mobile application that allows the user to express their eternal lover and their attraction for Valentine with the power of words.
The first is the Valentine Love Poems app is for the iPhone, iPod Touch and Apple iPad, navigation and user-friendly features with a large collection of Valentine poems, both short and mild or intense and moving.
With the application Valentine Love Poem users can share poems with their relatives, impress their friends if a guy or a girl, and the application does not require an Internet connection. Valentine Love Poems The application can be yours to download to your device iOS chosen from iTunes for only $ 0.99.
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Disclaimer: The views expressed on this site are that of the authors and not necessarily that of U.S.S.POST.