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In the Scandinavian countries, including Iceland, there is a long history of celebrating this winter festival, which grew in popularity during the late 1800' s in Iceland. In modern Iceland the Thorrablot takes place on the Friday that falls in between the dates of January 19th to the 25th. That of course makes it fall on the 25th this year. Some Christians refuse to join in this wonderful celebration because toasts of honor are made to the old Gods. But for most it is a matter of tradition more than a religious ceremony, and they see no harm in participating in the event. In most of the Scandinavian countries there is still a " fondness " for the Old Gods, even if they do not directly honor the Gods of their ancestors.
For breakfast the morning of the ritual / feast, I adhere to what is mentioned in the book " Our Troth " , in the rites and practices section, where it says to eat a breakfast of oats and pickled herring to honor great Thor. For the feast that I hold after the ritual, however, I like to go all out, and have a wide variety of meats, vegetables, fruits, breads, and cheeses. To me each of these foods represents the foods of our ancestors, would have killed, harvested, or made for themselves. Of course in winters gone by some of these foods would have been preserved to protect the food from the harsh months that came after the harvest. My apologies go out to the people of Iceland, but I cannot, and will not, put out some of the dishes they serve for this ritual !
Though I do not like to tell anyone how to hold a ritual, or what to say I will mention the folowing : I ask Thor to protect us from the awful might of the Frost Giants, and ask him to give us the strength to "weather" the winter months. I also ask the great Huntress Skadhi to show us her secrets of becoming one with the winter season. For no God or Goddess in our pantheon is better adapted, or more comfortable, in the cold and desolation of winter than great Skadhi. I ask Sunna to brighten our days, and our hearts, with her radiant warming sunshine. This is also one of the few rituals when I directly address the Jotuns as well, and ask them to be merciful on us during these cold and dreary days of winter. Finally I ask the Vanir, our great fertility Gods and Goddesses to "allow" this harsh season to be brief, and to let the ground thaw early to let life begin anew.
An Independent Asatru is now on Facebook !
Glenn Bergen
Go with Odin's wisdom, Freyjas love, and Thor's protection !


text: Nikki Haley stepped up to the plate to deliver the official Republican response to the last Obama State of the Union - and since her predecessors fell painfully flat in past years, the Governor of South Carolina was pretty much set up to succeed. But Gov. Haley's response got more than an up or down rating, it seems to have laid bare the growing fracture within the Republican Party between the Party's establishment and the likes of Donald Trump and his supporters. Her decision to go after Trump has led to an appallingly par-for-the-course response from Trump and other far right fear-stokers within the GOP who used some thinly veiled racial language to criticize Haley, who happens to be an American of Indian Sikh decent. Gov. Haley enjoys a consistent 2/3rds approval rating in the electorally significant state, but the electoral path to victory has never seemed to matter to Mr. Trump as much as a shocking applause line. It's what his supporters expect, and it's what they got.

subset: commoncrawl


text:
Mentor, OH (PRWEB) June 11, 2014
W.S. Tyler (http://wstyler.com), a leader in particle analysis, recently engaged in three major sales transaction. In all three instances, the company signed on to provide its CPA particle size and shape analyzers to aid in frac sand processing. More specifically, W.S. Tyler's particle analysis technology will now be helping providers of proppant sand to the oil and gas well industries perform a final quality check on their material.
According to Geology.com, frac sand is "a crush-resistant sand for oil and gas wells." More specifically, frac sand is used as a proppant during the pumping process. "When the pumps are turned off, the fractures deflate but do not close completely – because they are propped open by billions of grains of frac sand." The site goes on to explain, "The new fractures in the rock, propped open by the durable sand grains, form a network of pore space that allows petroleum fluids to flow out of the rock and into the well."
How do W.S. Tyler's CPA particle size and shape analyzers tie into all this fracking technology? The propping open of the fractures "only occurs if enough sand grains to resist the force of the closing fractures have been delivered into the rock." That's where W.S. Tyler enters the equation.
"Our CPAs are used as a final quality control check," explains a company spokesperson. "They ensure that the material on the train cars meets the correct frac sand spec before it is loaded into the silos for distribution." As a result, "the end users are assured that they are purchasing the correct standard of material for their extraction process. The speed of our CPAs makes for an easy and worry free unloading."
Due to confidentiality agreements, W.S. Tyler has chosen to maintain the anonymity of its new clients. Generally speaking, however, one is a U.S. producer of lightweight ceramic proppant. Another is a leading producer of monocrystalline sand, a specialized mineral used as a proppant (frac sand).
About W.S. Tyler
W.S. Tyler, a member of the HAVER & BOECKER Group, began producing woven wire cloth in Hohenlimburg, Germany in 1887. Today, the business is one of the world's leading wire weaving and particle analysis companies with a global network of branches and manufacturing facilities. A combination of tradition and innovation allows W.S. Tyler to meet and exceed the high expectations of its customers. Collectively the large number of creative partnerships with internationally renowned partners, patents, and registered designs and trademarks provide firsthand proof of the extraordinary quality of W.S. Tyler's products.


text:
Since this blog never really got too far off the ground, it shouldn't be surprising, but for right now I'm going to suspend the blog. I have way too many injuries I'm fighting, and my focus has definitely shifted onto learning how to stay healthy with such a broken body — general tips on health efficiency aren't working for me any more because of all the additional concerns and problems I have to deal with. I may start a new blog for this, and if I do, I'll share it here.
Monday Swim Workout: 2300m/50min
I've been getting swim workouts from www.swimplan.com – it's a website that creates free detailed workouts based on your ability level and desired strokes/drills/etc. I've been doing the shorter ones (~1800m, 30-45 min) but yesterday I wanted a fuller cardio workout, so I did a longer one. The full workout was 2300m in 50 min. I did most of the 50-free on 1:00 (~45sec + 15sec rest), and my 100-frees were ~1:30-1:40 pace. I really am a much better swimmer than I am a runner.
Anyway, I'm posting the workout here just for my own records.
I continue to be amazed at how good swimming feels: it's a hard workout, definitely – I get out of the pool and my entire body has the shakes – but I'm not in pain, my lungs aren't on fire, my ankle doesn't hurt and my back feels no worse than when we got in the pool. It's an incredible feeling. I may be over running for good.
A Diet-based Week
I'm still off of running this week, but I couldn't sit around and do nothing.
Tuesday: went to PT, then swam for ~21 minutes (11x100m at about ~1:40/min pace)
Thursday: legs and abs at the gym, then an 1800m workout I got off of swim plan.com (warmup, drills, 100s free/breast/back, etc) which I did in ~32 min.
Friday: arms and abs at the apartment complex gym.
I planned to swim again over the weekend, but the lingering flu/sniffles, bronchitis cough, and general feeling like garbage convinced me to rest up instead.
One thing I did this week was get back into the habit of tracking my diet and counting calories. in the past I've counted cals on and off, mostly to pay attention to macronutrients (carbs/fat/protein), but I stopped doing it at the point it became a little over-the-top. However, since I'm so limited in workout options right now due to my health, I've decided to start paying attention again, and use this as an opportunity to improve my diet.
Anyway. I set my target at ~1700 cals/day. I know from an O2 test at the gym that my BMR is ~1450 and my maintenance level is ~1950, so 1700 seemed a good target to me for slow loss — enough to keep my hypoglycemia under control and keep me from feeling hungry, but a small deficit that I can then increase with exercise as my options open up. I was good at keeping up with it – wiexes summing and the good old law of averages I came in at just under 1700/day as an average for the week. I've got good meals planned for this week and I'm planning to weigh in tomorrow (as well as do some measurements) so that I can start this the right way.
This week I'm hoping to swim every other day. It's what I've got left right now, and I am really loving the feeling of being in the pool and competing these grueling workouts. If my neck/shoulders/back feel okay I will add in the weight work; if not, just swims.
I have an MRI on Friday and hopefully I'll know soon after that what's going on up in there.
A Health Update
There hasn't been a lot to talk about over here, and it's mostly because of my health, still. I've been taking time off to finally recover from this bronchitis, which has lasted for 6 weeks now, mostly because I've been an idiot who has been pushing herself too hard and not taking enough time off and rest. However, in the meantime, I've been trying to get to the bottom of this problem with my neck/back/shoulders.
Long story short, I'm on Vicodin now, and I've got an MRI next Friday.
I'm very limited in what I can do in terms of working out because of this. I can swim, but I still can't run (because of my tendonitis), and I can't lift heavy (although I'm trying to do lighter weight and more reps). So what I'm trying to do for the next few weeks is control my eating, have a way healthier diet, and lose a couple pounds. There isn't much else I can do, and I've never really tried to drop fat through JUST diet before.
I'll try to record my thoughts here, as I find out more about this mess in my back and go through this process.
Recommended Reading: On Health, Size, and Fitness
Motivation, and Five Ways To Get It
There are so many times I hear people say, "I'm too busy to run!" "I'm too tired to work out!" "Seriously, my day/work/job has been exhausting." Hell, sometimes I hear it from myself, and sometimes it's true.
But usually, it isn't.
There are tons of people out there who work exhausting, grueling days – 10 hours, 12 hours, tiring exhausting work – and still stop at the gym on the way home, or go for a run at night.
"But my gym isn't open late!" "I can't run here at night, it's unsafe." "But I'm so tired."
These are excuses.
There are plenty of workouts you can do in the safety and privacy of your own home (You Are Your Own Gym); some of them only take 12 minutes (BodyRock). Many gyms are open late; many neighborhoods are safe.
It's really up to you.
Trust me, I understand. I have a very broken body, and I work 12-hour days when I'm not going to grad school: I understand busy schedules and limited energy.
Here are some of the ways I can get myself going when I need to.
- Just go. Don't give yourself the choice. Tell yourself you have to do it. Yes, this makes a workout feel like a chore rather than a prize – but it can get you out the door.
- Compromise with yourself. Sometimes when I'm exhausted and supposed to run 6 miles, I'll make a mental compromise: If I go out and I still feel horrible, I'll just do an easy 3. If I feel okay, I'll do all 6. More times than not, I feel great once I'm actually out there, and I'll do the whole run. But I'm also careful to listen to my body — if it does feel horrible, I cut it short, enjoy the fact that I did something, and make sure to rest.
- Treasure your rest days. This goes with the above — make sure you take a note of your rest days. Pay attention. Notice how you feel after them. Don't fill them up with workout-y stuff and pretend they still count as a rest day just because you're not doing a run. The more you can specifically let your body rest, the more likely you are to have those needed reserves of energy on days you want.
- Don't be a loner. If you're having trouble motivating yourself, don't do it by yourself! Join some kind of social fitness network (MyFitnessPal, Fitocracy, forums at NROL4W, etc etc...), or use your Facebook / Twitter / etc to keep yourself honest and motivated. Do a challenge with a friend, or let your coworkers shame you into that late night pushup routine — whatever works for you.
- Understand yourself. If you really are tired, and you do skip a night, appreciate that – and come back harder the next day. If you get down on yourself for skipping one night, that feeling will just suck away all of your energy, and you'll end up missing a week… or more. Allow yourself to really enjoy the night off, and then use that rest to hit it extra hard the next day.
Oh, and also: New Injuries
So, I've also got tendonitis. Again.
I was really hurting when I finished my 7.5 mi leg; I basically handed off the relay bracelet, made my way through the crowd, sat down and had an asthma attack, and then got on the bus back to the stadium to meet the rest of my team. In retrospect, this was a horrible idea, but I didn't have a lot of brainpower left; I will remember to do a much better cooldown next time, for sure!
By Sunday, I could barely walk, and it has carried over to today. I have peroneal tendonitis. The outsides of my foot, heel-side (right below the knobby bit on the rear outside of your foot), just feel awful every time I try to put any weight on them.
I've been icing as much as I can, and I'm taking NSAIDs, and if it hasn't gone away in a day or two I'll go off to the doctor.
Can I please not be injured for, like, maybe a week?


text:
Dear Bro
We have been fighting here at Gettysburg for 3 days. Our Div was engaged with Musketry the 1st day for 3 hours & stood (?) the hardest of the Battle when we were compelled to fall back beyond the town the other two days we were under the heaviest of artillery fighting that has yet been (name indecipherable) was slightly wounded in Left Elbow Our ? have only 1 killed and 2 wounded (name indecipherable) is wounded in right-hand Lt. Happis(?)/Morrississ friend is safe
all at present
your brother Jim Chafalant.


text:
efface, University of Missouri, 2012
a solo show at the Craft Studio Gallery, University of Missouri, Columbia MO, 2012
This installation consists of eight 30"sq digial c-prints hung from the ceiling approximately four feet from the wall. As you enter into the space, you are confronted by the backs of images, which construct an interior white "wall" within the white room. In this series of photographs the emulsion of the image is peeled where figures exist in the frame. The peeling animates the image further when light it seen through it. The subtlety of the reflected wall light coming through the print is seen from the interior space or one can walk between the wall and the image to see the other side of the piece.


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Millions of people are craving sweets and processed carbs and suffering from a blood sugar condition that just doesn't get enough press.
I'm not talking about pre-diabetes or type 2 diabetes.
Rather, if you feel moody, tired, or confused, you may have low blood sugar or hypoglycemia.
The good news is that, unlike diabetes, in most cases, you don't need insulin or other medication.
What's so easy about hypoglycemia is that it's very easy to manage, as I've discovered. (My condition is why I quit sugar in the first place.)
So, take a look at the list below to discover if you have any of these symptoms.
Which, if any, of these symptoms of hypoglycemia or low blood sugar do you have?
Sudden fatigue
Irritability & moodiness
Waking up with a "hangover"
Difficulty concentrating
The shakes (when hungry)
Mental confusion ("fog" on the brain)
Crying spells
Mood swings (Dr. Jekyll and Mr. Hyde)
Digestive problems
Aching eye sockets
Heart palpitations
Bizarre behavior
Tremor (internal trembling)
Sleeping too much
Ravenous hunger
Craving for sweets/Sugar addiction
Backache and muscle pain
Cold hands and feet
Temper outbursts
Sensitivity to light
Negative thoughts and attitudes
Unnecessary and excessive worrying
Suicidal thoughts
Feeling best after 7 p.m.
Sighing and yawning
Premenstrual tension & bad cramps
Accident prone and loss of coordination
Shallow breathing
Family history of diabetes or low blood sugar
Itching and crawling on skin
Joint pain
Abdominal spasms
Craving for alcohol and coffee
Blurred vision
Cold sweats
Lack of sex drive (women)
Impotence (males)
Leg cramps
Muscular twitching or twitching of eyelids
Gasping for breath
Smothering spells
Slurred speech
Uncontrollable weight gain
Night terrors
Rheumatoid arthritis
Phobias and fears
Nervous breakdown
Hay Fever
Undue perspiration
Arms and legs or body hurt when first rising in a.m.
"Motor-Mouth" (constant talking)
Visual disturbances
Antisocial behavior
Skin tags
Feeling of "going crazy"
Dry or burning mouth
Ringing in ears
Hot flashes
Convulsions, coma, unconsciousness and seizures
Limited attention span
Learning disabilities
Bedwetting in children
Hyperactivity in children
Candidiasis (Candida Albicans)
Chronic fatigue syndrome
Menstruation disorders
Immune system disorders
Tachycardia – racing pulse due to high adrenaline
Rubbery legs
Twitching, jerking and cramping of leg muscles
Waking after two to three hours of sleep
Abnormal weight – too high or too low
A diagnosis of mitral valve prolapse
Lack of appetite
Red blotches on skin or circular arcs of red skin
Can't tolerate bright light or loud sounds
Personality changes
Dilated pupils
Numbness around the mouth
Craving for sugar and salt
Unusual patterns in frequency of urination
Pain in neck and shoulders
Inability to lose weight
Fat pad on the belly that won't go away
Common in people with fibromyalgia syndrome
Heavy dreaming
Nasal congestion
Hunger pains including acute stomach pain and nausea
Dry skin
High triglycerides and cholesterol
Fluid retention
Brittle hair and nails
Dry, small stools
Dry mouth
Studying is a tremendous effort
Feelings of guilt
Can't handle stress
Motion sickness
Remember, even if you have many symptoms of low blood sugar, it's very easy to manage your condition. Here's all you need to do:
- You just need to kick sugar and sweet desserts full of sugar, honey, agave, barley malt, coconut sugar and other sweeteners.
- You also need to cut out quickie carbs (that's my phase for processed carbohydrates).
- And you need to eat several times a day so your blood sugar doesn't drop too low. (I'm talking about mini-meals or snacks.)
Of course, kicking sugar can be quite challenging so that's why I've been devoted to helping you kick sugar and quickie carbs.
Stay tuned for my upcoming announcement about my new Crush Your Cravings Virtual Bootcamp.
By the way, if you have a number of the symptoms I cited above, please consult your doctor, who may want to order a 5-hour Glucose Tolerance Test that tests for insulin levels.
By the way, if you you do have low blood sugar — like millions do — this is NOT a pleasant test. You might want to bring some food along, or even a friend.
Hope this helps you. Feel free to share this with a friend.
Bear in mind that you CAN feel better and get over your hypoglycemia.
Get more helpful info about hypo here.
Join the Conversation: Do you think you have low blood sugar? Tell us now about your experiences.
https://stetsonpainting.com/whychooseus/ order now Sources include:
- What is Hypoglycemia by Jurrian Plesman
- Safe Harbor Alternative Mental Health On-line, www.alternativementalhealth.com/articles/hypoglycemia.htm, "Conquering Anxiety, Depression and Fatigue Without Drugs – The Role of Hypoglycemia", Professor Joel H. Levitt of The Anxiety and Hypoglycemia Institute
- EMedicine.com, "Hypoglycemia, Kenneth J. Snow MD, instructor in the Department of Internal Medicine at Harvard Medical School
- Gale Encyclopedia of Alternative Medicine
- Pinksunrise.com, "Living with Hypoglycemia", Sue Spataro RN, BSN
- "Reactive Hypoglycemia (RHG): FM/MPS Perpetuating Factor", Devin Starlanyl MD
- Hypoglycemia Association Inc., Bulletin #44 "Symptoms of Hypoglycemia and Hypoadrenocorticism"
- Saunders, Jeraldine and Ross, Harvey, M.D., "Hypoglycemia: The Classic Heatlhcare Handbook." Kensington, 2002, Revised. Formerly called "Hypoglycemia: The Disease Your Doctor Won't Treat," New York, 1980.
- Ross, Harvey M., M.D., "Fighting Depression." Keats Publishing, Inc., New Canaan, Connecticut, 1975.
- Fredericks, Carlton, Ph.D., "New Low Blood Sugar and You." Perigree Books, The Berkley Publishing Group, New York, 1985.
- Krimmel, Edward and Patricia, "The Low Blood Sugar Handbook: You Don't Have to Suffer." Franklin Publishers, Bryn Mawr, Pennsylvania, 1992.
- Ruggiero, Roberta, The Do's and Don'ts of Low Blood Sugar. Lifetime Books, Hollywood, Florida, 1983.
- Rosenbluh, Edward S. Ph.D., "Hypoglycemia: Low Blood Sugar Real or Imaginary."
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text:
£4.59 – £15.99
Our excellent Organic 3 Nut Mix – Ben Hope – is a perfect nut selection of Macadamias, Hazelnuts and Walnuts. This delicious nut mix contains all the goodness of the individual nuts in a convenient mix. Bursting with Vitamin E from the Hazelnuts and rich in Manganese from the Macadamias and Walnuts. No preservatives, artificial flavours, added salt or any nasties, just simple good nuts!
Our nut mix contains all our nuts in equal proportions (Organic Macadamias, Organic Hazelnuts, Organic Walnuts). Our nut mixes are great to buy as a bulk snack bag that can then be used to fill up your mini snack boxes.
This nut mix takes its name from the most northerly Munro in the Scottish Highlands.
Note: these nuts are better quality than our real value 9 nut mix.
*Please note the product packaging may differ from the image pictured above.*
Suggested uses:
Perfect as a snack for long walks, hikes and days out. Snack on them straight out the bag or mix with some of our dried fruit or chocolate to create a healthy trail mix! Alternatively add to your porridge or cereal to give that little bit of crunch.
An equal mix of Organic Macadamias, Organic Hazelnuts, Organic Walnuts
Contains nuts and may contain traces of milk and peanuts.
Typical values per 100g:
Energy 2994kJ/716kCal
Total Fat(g) 68.3 of which saturates(g) 7.4, Carbohydrates(g) 5.2 of which sugars(g) 3.8, Fibre(g) 7.3, Protein(g) 12.5, Salt(g) <0.01


text:
New Delhi, India -- Grammy nominee Lama Tashi has enthralled the audience here with the launch of his new album by the music company "Sa Re Ga Ma".
<< Lama Tashi
Tashi's chants have got him nominated for the Grammy Awards.
Geshe Ngawang Tashi Bapu, as he is known to his friends, believes in the union of compassion and wisdom.
"When you listen to my chanting please listen with a good heart, a compassionate heart and love. I have been saying that with this chanting I have been expecting to send a message of love and compassion. With wisdom... whatever good qualities, but having a good heart is most important," said Tashi.
Odissi exponent Sharon Lowen said the 'multi-phonic' chants were a delight to listen to.
"It's quite delightful that the chanting is part of Buddhist practice at the same time, it is a musical form. It resonates for everyone whether you are there in a monastery in India or in Tibet or sitting anywhere in America and listening to it on CD," she said.
Tashi's voice has left scientists puzzled. Some of them have conducted tests and taken photographs of his vocal chords to investigate how he produces the 'multi-phonic' sounds, giving the impression that several singers are performing at once.
He is pleasantly encouraged by the popularity of his music in West, especially in the United States, where he has performed on several occasions.
He has also led 'multi-phonic' chants before the Dalai Lama, the spiritual leader of the Buddhists, and served as the Head Chant Master of the Great Prayer Festival in Washington.
This Buddhist monk from Arunachal Pradesh was nominated for his chanting Album "Tibetan Master Chants" in the "Best Traditional World Music Album" category, 2005.
About The Channel | Disclaimer


text:
Wednesday, May 11, 2011
I know I'm a blogger
Now I
-set up some play and art scenarios for the kids to enjoy.....and for me to photograph and blog about
-my kids know how to take a "just pretend I'm not here and go back to what you are doing" shot of said play or art
-the kids ask "is this going on your blog Mum?" about said photo
-I refer to people by their twitter handle even when I know their name.
-If you say a day of the week I can probably tell you a meme that falls on that day
-my google reader has a scary amount of blogs in it
-I "know" other bloggers that I've met only a couple of times in the real world
-I do a little fist pump when my monthly stats reach a new high number
-I get excited to see another blog when it's relaunched with a new look
-I have a notepad that I jot down post ideas when I think of them
-my husband asks what keyword searches have found my blog lately (we have been very amused by "my tiny house is a shitfight", "homethings dildo" and "what does it mean when he says cracks the shits at me?")
-you write blog posts about blogging
How is it you know you are a blogger??
10 comments:
- Marita said...
Annie talks about my blog now as a normal everyday part of our life.
I never leave home without a camera (yay iPhone), every moment is blog content that may never get written about.
I also have a twitter feed running inside my head and only about .05% of what I think actually gets tweeted.
- May 11, 2011 at 10:35 AM
- Sazz said...
I base major life decisions on weather they're worth blogging about/creating a new blog for ;)
I'm rarely referred to by my IRL name.
- May 11, 2011 at 11:55 AM
- Jessica said...
Oh i can so relate to some of them...but can add "dont you dare put that on the blog" from the kids as well!
- May 11, 2011 at 1:09 PM
- Lulu said...
All very true. Can totally relate!
I think you know you are a blogger when you tell yourself "gotta remember to blog that"
Have had a twitter account for ages but have only just started using it more- jumped over from there (but would of read your post later in my reader as well!)
- May 11, 2011 at 5:53 PM
- Deborah said...
We've probably created a whole generation of kids who'll need therapy because of their mummy bloggers.
- May 11, 2011 at 7:23 PM
- Kate said...
I'm a stats strumpet. I don't mean to be, but I am. I do the air punch too lol, and love checking out where people have come from.
And if I don't have a few posts scheduled for the days the supertrucker is home it stresses me out a little ;)
- May 11, 2011 at 8:10 PM
- Paige said...
I know exactly what you mean! When I cook up something really awesome my husband asks, "Do you need to take a pic for your blog before we dig in?"
-From Paige over at the http://thecrunchymamacita.blogspot.com/
- May 11, 2011 at 11:31 PM
- Sif said...
My conversations with people are peppered with "I'll be blogging about that" and "That'd make a great blog title"...
My kids ask me to blog things they've made, or are doing - and often I refuse because I've already got something I NEED to blog...
I keep telling people, "You really need to start a blog, people would love to read about that!".
- May 12, 2011 at 10:15 AM
- Jo said...
I have to remember to ask other mom's if they mind me putting pics of their kids on the blog at play dates...
Nana is always asking if i've updated the blog with new pictures of her grandson!! (i'm not entirely sure she reads much of the written word!)
- May 12, 2011 at 11:27 AM
- bek said...
Not a Blogger, but can relate to the amusing keyword search results ;)
- May 14, 2011 at 1:33 PM


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Faces! Lite
- Publisher: Maymudes Bros.
- Genre: Photo & Video
- Released: 13 Jul, 2009
- Size: 4.3 MB
- Price: FREE!
- App Store Info
Now you can get new features and backgrounds without even leaving Faces! Lite!
FACES! DELUXE is now available! Check our app store. It's Faces! Lite on steroids, tons more backgrounds and features.
Faces! Lite
With Faces! Lite you can place any face on a body of your choosing. With easy to use color correction and scaling functions you're sure to impress. You can take a new photo on the spot or pull one from your image library and seamlessly composite them together.
Choose from backgrounds like a knife waving chef or a bomb-shell blond crawling in the sand. The "Lite" version has 12 backgrounds to pick from.
Scale in X or Y independently
Flip the face image horizontally
Rotate 360 degrees
Gamma correction
Saturation controls
Color temperature controls
Import images from your photo library
Take a picture on the fly with your iPhone's built in camera
Save new images to your photo library so you can email them and share them with the world
If you like Faces! Lite try out our DELUXE version; Faces! with over 40 backgrounds.
What's New in Version 2.0.1Option to include holiday pack pictures
Improved performance when choosing backgrounds
Bug fixes to in-app-purchase support libraries


text:
Rooting Your Android Smartphone
We do not live in a perfect world, so there exists a chance that your newly purchased Android smartphone is lacking when it comes to the latest and greatest Android OS. Many believe that once they purchase a device that they should be free to transform it however they wish. Theres really nothing wrong with this notion, and it has plenty of merit. Manufacturers, however, will likely have a different opinion.
The process of rooting an Android smartphone or other device gives the owner root access. This is essentially privileged control over the device that can be used to tweak and overcome certain restrictions or limitations placed upon the devices when they are put on the market. Think of it as jailbreaking, but Android style.
Rooting your Android device obviously offers advantages, otherwise nobody would go through the trouble of doing it. As mentioned, you can get a more advanced OS, or clean up the bloated features that you have zero use for, plus much more. The process is not the simplest around, and you will have to do things such as obtain a compatible Android ROM or build for your device, then follow instructions offered by pros on the subject. Like everything, there is risk and reward in rooting, so while you may get better performance and features, you could brick your device. Also, if you need to send it in for repair, the fact that you tampered with it will affect your warranty, so proceed with caution.
Jailbreaking Your iPhone
As with rooting your Android device, jailbreaking your iPhone to expand its possibilities and take further control can result in negative consequences. Apple surely does not want you to jailbreak your iPhone and is constantly coming up with ways to combat such action. Jailbreaking does open up the door for a ton of new apps and lessens carrier restrictions, but you could end up with an expensive iPhone that lacks a valid warranty in the end.
Hijacking or Imitating Social Networking Accounts
If youve spent some time on social networking sites like Twitter or Facebook, you know there is no shortage of phony profiles. There are plenty of people out there who want to trick you into believing they are actual celebrities, as well as others with stolen pictures looking to dupe you into buying subscriptions to sites. As tempting as it may be, you should avoid impersonating public figures. This is rather obvious, but many people do it thinking it is harmless. That all depends on the person you are imitating, as some may just brush it off. Others, however, could slap you with a lawsuit for defamation or trademark violation. Unless you have a big bank account stored away for potential lawsuits, you are better off fighting your impersonation tempations.
The same holds true for hacking social networking accounts. You may have an enemy you wish to spy on, or maybe you are wondering what your ex or current partner is up to. Either way, hacking accounts, no matter how you do it, is a no-no. Not only is it unethical (yeah right, who cares?), but it also violates terms of service. Hacking an account could lead to civil lawsuits over defamation as well.
Snooping Over Text Messages
Similar to stalking someone on a social network, spying on text messages is just as bad. It is warranted if your kids just got smartphone and you want to keep tabs on them with a program such as Mobile Spy, but it should be avoided in other instances. For instance, Ezor noted that monitoring your spouses text messages without their consent, a warrant, or judicial permission is illegal. Resist the urge to do so to protect your bank account. Besides, you probably dont want to know what is being said behind your back.
Downloading YouTube Videos to Your Hard Drive
Here is one action that appears to be harmless, but does break the rules. YouTube is a great site to waste time thanks to its immense ever-growing catalog of videos. While the site is great for streaming, there are probably some special videos that you would like to keep on your hard drive for frequent viewing. There are programs out there that can help you achieve this type of YouTube downloading, such as KeepVid. Once downloaded, the file becomes transferrable so you can watch it on other portable devices.
The convenience of such programs is hard to deny, but you are essentially breaking YouTubes rules. Specifically, the site prohibits viewing content through any technology or means other than the video playback pages of the Service itself [or] the Embeddable Player. In other words, your little file conversion operating is taboo. You break the rules even further if you plan on sharing the downloaded videos with others, as that brings the actual content owners copyright issues into play.
As you can see, many of the items in this list are not exactly on par with murder, but they do break the rules. As tempting as some of them may be, try to refrain from engaging in these tasks, as the consequences in the end may have you regretting the past.
More Web Hosting Security ArticlesMore By wubayou


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About a year before, I had written about FreedomPop's new info service and shortly afterwards signed up for an account. I chosen into the Free 500 MEGABYTES plan, that provides half a gig of data each month, with further data sold at US$20/gigabyte priced in $2 increments.
To get the fact that free info, you had to place a "deposit" on a product -- some "deposit" the fact that was really an upfront charge if you prolonged using the support.
You can think of this as pre-paying for the first 12 months of data, which inturn turned out to be a bit over hundred buck for me after all was says and finished, or regarding $8/month to get the 1st year from 500 MB allotments. Right now a year later, I am just pretty delighted by what I acquired and I include regularly applied the data once I've been outdoors.
I've routinely connected these data to any number of units. This is among the big great things about going with a router rather than a device-specific solution. It works with laptop computers, iPads, Amazon kindles and so forth. You need to do have to make sure you charge and manage the tiny puck, so that's one extra thing to hold around.
Continuing to keep on top of your data usage is vital. In my 1st write-up, We mentioned how important it was to disable the auto-top-up attribute. That element automatically gives a data get after you employ 400 MB of bandwidth. What I didn't realize is always that even with the fact that feature impaired, after hitting your five-hundred MB upper storage limit, the data will not shut off. You simply freedompop reviews keep going and get recharged $2 every 100 MB.
I have a stringent rule now for the family -- each time someone uses the FreedomPop router, they must associated with iPad ignore that network. This makes sure that the device isn't going to auto-connect and initiate sucking down data as you think you're using the residence network preferably.
It's a bit of a pain typing in the code for each association, but far less painful when compared to $20 every inadvertent gigabyte. I don't mind paying the extra cash as i know that Now i am intentionally shopping for that band width. It's this by mistake that really stings.
Over the last year, I did so run into a single strange services issue in one point, which frustrated me, although eventually was resolved. FreedomPop's customer service is slow in comparison with other technical companies, but it did at some point respond.
The business seems to be focusing on improving their reputation, especially if you look around the opinions and Q/As for its several products in Amazon. For this reason, I feel secure cautiously advocating the program. It analyzes favorably to other freemium options that way offered by T-Mobile, although I have yet to try the T-Mobile strategy.
The most important thing to consider when analyzing whether such plans happen to be right for you is certainly how you apply your data. Are you presently a light individual who only wants to check email on the move? Or do you want to heavily look at web and get work done?
About a year before, I had written about FreedomPop's new info service and shortly afterwards signed up for an account. I chosen into the Free 500 MEGABYTES plan, that provides half a gig of data each month, with further data sold at US$20/gigabyte priced in $2 increments.


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2017 PerformanceJune 3, 5.40 pm – Whitianga Hotel
June 4, 8.10 pm – Whitianga Town Hall
No-one plays classic rhythm & blues like Darren Watson. Over the better part of three decades he has developed a style that, while touching on all of the greats who inspired him, is personal, powerful and identifiably his own.
Watson gained New Zealand-wide fame in the late 1980s as the fresh-faced, young front-man and guitar-slinger for Chicago Smoke Shop. The band made two albums and had radio hits that made the mainstream record charts. The songs were penned and sung by Watson. They also toured opening for international blues legends like Koko Taylor, Robert Cray, rocker George Thorogood, and The Fabulous Thunderbirds. One of the hardest working bands in the country, Smoke Shop gained a long-lived and solid reputation.
Since leaving that band in the early 90's Watson has cemented his reputation as the country's most original, contemporary blues voice, with four world-class albums: 2002's King Size (which was nominated for a NZ Music Award), 2005's South Pacific Soul, 2010's internationally acclaimed Saint Hilda's Faithless Boy, and Introducing Darren Watson from 2014.
On the live front Watson has also opened for New Orleans master Dr. John, worked alongside Billy Boy Arnold, toured with Doug McLeod, Joe Cocker, Keb Mo, and nu-soul exponent Eli 'Paperboy' Reed. He's also appeared at WOMAD, The Australian Blues Music Festival, Blues On Broadbeach, and multiple festival appearances in New Zealand over the years.
Darren's song, "I Still Feel the Same", is a finalist for the 2016 International Songwriting Competition. Have a listen and please vote for Darren. https://www.radioairplay.com/voting2017/Blues


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Frequently Asked Questions (FAQs) for KerStitch Designs
Why are you closed?
Kerrie is moving from Canada to the US soon and officially closing KerStitch Designs in Canada.
Are you going to reopen?
For the next few months, Kerrie will be busy getting settled in her life and finishing the immigration process. She will re-evalute her business goals and will likely start something new when she is allowed to work in the US.
When will you re-open?
It is impossible to say right now. Check back in a few months for an update.


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1) Ambiguity of the term "resource". Section 7.1.1, DAV:workspace-checkout-set property: > This property identifies each checked-out resource whose > DAV:workspace property identifies this workspace. Does this property identify a "version controlled resource", or a "version resource" (or both)? (Or "version history resource?") Just saying "resource" is ambiguous. The same problem affects Section 7.2.1 (DAV:Workspace). If a server OPTIONally supports this property, which types of resources should have this property defined on it? Is this defined on "version controlled resources" or "version resources" (or both)? Also, it sounds like non-version-controlled resources should also support this property. Should "version history resources" support this property -- I can't see much need for that, but maybe there is a use case. 2) Section 7.7 This section is being defined as a delta to the definition of VERSION-CONTROL given in Section 2.5, which states: > (DAV:put-under-version-control): If the request-URL identified > a versionable resource at the time of the request, a new version > history is created and a new version resource is created in the > new version history. Since this isn't the intent in 7.7, there needs to be explicit language stating that, when a version resource is specified in the request body, a new version history resource is NOT created. A new definition of the (DAV:put-under-version-control) postcondition is also needed in this case. 3) Child workspaces of workspaces? Is it possible for a workspace to be contained by another workspace? The specification is silent on this issue, though the definition of workspaces as collections suggests that yes, a workspace can contain a child workspace. 4) Are workspaces versionable? Is it possible to place a workspace under version control using the VERSION-CONTROL method? The specification is silent on this topic. Minor nits: Section 7.1: > The workspace option introduces the following REQUIRED > properties for a workspace. But there is only one property (singular) introduced. The same comment applies to Section 7.2 Section 7.2.1: > If the resource is associated with a workspace, this > property MUST identifies this workspace. identifies --> identify Hmm, it stretches credulity that 7+ people could have carefully reviewed this option and not caught at least these nits, if not the other issues. - JimReceived on Friday, 9 February 2001 03:03:52 UTC
This archive was generated by hypermail 2.3.1 : Tuesday, 6 January 2015 20:55:46 UTC


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April 19 (UPI) -- A Massachusetts man visited state lottery headquarters to collect a $1 million jackpot -- his second such jackpot so far this year.
Jason Williams of Methuen visited Massachusetts State Lottery headquarters on Tuesday to collect a $1 million prize from a $30 200X scratch-off ticket.
Williams was making his second visit to the facility this year, after having previously collected a $1 million prize from a $30 Ultimate Millions instant game on Jan. 10.
Williams' most recent winning ticket was purchased at the Howe Street Superette in Methuen, which was awarded a $10,000 bonus for selling the winning ticket.


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You know that feeling when you are riding a bike and everything is so blissfully perfect and you stick your legs out and you use a run on sentence and your hair is blowing and you are so incredibly happy? You know the feeling I'm talking about? You do? Ok good. I was concerned there for a second. Well that was my day. I felt like this today:
That's me in the black. That's Nicole on the right. That's Paris all around us. Those are our legs showing how blissful we are. That guy on the bench is clearly mad he isn't riding bikes with us. I highly highly suggest Fat Tire Bike Tours if you are ever in Paris, London, Berlin or Barcelona. You see the entire city and you get to ride a cool bike. The guides are Americans in their mid 20s. It's a blast.
Anyway, that's the feeling I had today. I got to hold, after nine long months a sweet little baby that I have been desperately waiting for. She is the sweetest little nugget. When I finally held her, I told her she was the youngest human that I knew. Which is true. I hadn't met anyone that was younger than 5 hours. There is something so incredibly great about holding a new human. It was bliss. Real life bliss. It was a happy little day.
I wonder if on the this day a million years ago when bikes were invented, if they knew the amount of joy they would be spreading with the world. Did they know that they not only were inventing a great mode of transportation, but also a giant cliche? What did people compare things to before bikes? It's just like riding in your carriage? It just doesn't have the same ring to it.
I wore pink today. I told you before, I wear pink for births!


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Alex Anthony Romanchuk, age 82, of St. Paul, formerly of Winsted, died Tuesday, June 14, 2011.
He was born Sept. 16, 1928.
A lifelong employee of Armour & Company and Excello Corporation, Alex was a sports enthusiast and participant, and was well known for his time playing Winsted town team baseball.
He is survived by his beloved wife of 64 years, Bette; children Steve (Susan), Suzie (Galen) Anthony, and Rod (Catherine); 13 grandchildren; 12 great-grandchildren; a brother, Michael (Millie); cousin Olga Larson; and nieces and nephews.
Alex was preceded in death by a daughter, Patricia; a great-grandson, Zachary; and his parents.
Mass of Christian Burial took place Monday, June 20 at 11 a.m. at Blessed Sacrament Catholic Church in St. Paul, with interment in Roselawn Cemetery.
The Wulff Funeral Home in St. Paul handled the arrangements.


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Press releases
(Five) Starboard
Press releases • Jun 01, 2018 10:03 BST
Dundee wakeboarding centre wows to achieve top quality award
New tour takes no prisoners
Press releases • May 30, 2018 12:09 BST
Geotourist audio trail takes visitors on a historical tour of Peterhead
Leading on the green
Press releases • May 30, 2018 10:54 BST
Scotland's sustainable credentials in spotlight
Star quality in Aberdeenshire
Press releases • May 30, 2018 10:54 BST
Aberdeenshire self-catering property achieves VisitScotland's premier Quality Assurance award.
Pony express (train)
Press releases • May 28, 2018 13:15 BST
Young visitors urged to travel on Borders Railway to experience riding festivals
It's a dog's Fife
Press releases • May 28, 2018 07:49 BST
VisitScotland Ambassadog heads to the Kingdom
Capital cities United for the first time
Press releases • May 24, 2018 16:05 BST
Edinburgh to Washington D.C. route takes off.
Two Scots landmarks make TripAdvisor Top Five
Press releases • May 23, 2018 17:45 BST
Edinburgh Castle and Royal Yacht Britannia named UK's fourth and fifth best-rated landmark in 2018 TripAdvisor Traveller's Choice Awards
Scot the Difference
Press releases • May 23, 2018 12:20 BST
VisitScotland creates a top 10 list of locations in Scotland where you can capture a snap to make it look as if you're somewhere abroad
Wild about Edie
Press releases • May 23, 2018 11:47 BST
New film set to inspire visitors to explore Scotland's wilderness
A fan-tastic tour of Scotland
Press releases • May 22, 2018 10:37 BST
Outlander Season 3 locations added to VisitScotland map as fans descend on the Scottish capital
Lonely Planet picks Dundee for Best in Europe 2018 list
Press releases • May 22, 2018 01:15 BST
Hot things to do in Scotland's coolest city
Press releases • May 22, 2018 01:00 BST
There is no better time to discover Dundee than 2018
Championship bike race receives financial boost
Press releases • May 21, 2018 16:00 BST
EventScotland National Funding programme supports headline event
Strengthening tourism links with Japan
Press releases • May 18, 2018 11:01 BST
A selection of Moray Speyside's finest attractions and locations are being visited by Japan's Ambassador to the UK this week, as part of a tour to introduce the country's travel agents to the region.
Isle be loving you
Press releases • May 17, 2018 16:56 BST
Islands Visitor Survey reveals rise in visits and spend
Press releases • May 17, 2018 10:12 BST
Video campaign highlights region's hidden gems
Runnin' Down a Dream
Press releases • May 16, 2018 10:28 BST
Ambitious trail running event gets funding boost
Jurassic Scotland
Press releases • May 15, 2018 10:28 BST
A visit 65 million years in the making...
Balloch business buoyed by brilliance
Press releases • May 15, 2018 09:26 BST
Cruise company receives top tourism accolade


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|Summary Report of the 2012 UNESCO Institute for Statistics Innovation Metadata Collection
|Monday, 04 November 2013 08:41
UNESCO Institute for Statistics (UIS) communicated with
PALAST has provided UIS with all studies done by Science, Technology Innovation Observatory (STIO) on the Palestinian Enterprises, which are;
1- Quarries and stone fabrication
2- Food and beverages.
3- Software Developer
4- Pharmaceutical
About UIS
The Science, Technology and Innovation Programme of the UIS aims to develop a database of cross-nationally comparable innovation statistics. The first step towards the establishment of this database was taken in 2011 by carrying out a pilot data collection of innovation statistics in a small group of countries. A global data collection, covering all countries with innovation surveys, will be launched in July 2013.
In preparation of this activity, the UIS has conducted an innovation metadata collection, which took place from September 2012 to April 2013, targeting mostly non-OECD and non-Eurostat countries. This UIS 2012 Innovation Metadata Collection gathered information on the methodological procedures of the most recent national innovation survey of countries and also allowed the identification of the key national contacts for innovation statistics.
This report presents a summary of the innovation metadata collected, mainly in the form of figures and tables, covering some of the critical methodological aspects to be considered when producing and using innovation statistics. Of note is that this is a descriptive (and not an analytical) report.
A total of 26 countries completed the metadata questionnaire:
To download the Summary Report of the 2012 UIS Innovation Metadata Collection,Please click here
Latest News
All Rights Reserved © Palestine Academy for Science & Technology .


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Standard Ladies returned to winning hockey form with a 6-1 rout of Blossomfield, Kath Hartley spicing up an excellent team performance with her outstanding individual contribution.
Kerry Luckett logged her inevitable hat-trick but was denied a fourth goal when Lil Murdoch nipped in to get the final touch and poach her second. Sarah Davies completed the Standard haul and Claire Duncan scrambled Blossomfield's consolation.
Late goals from Sharon Hancock and Julie Staunton earned Standard 2nds a 2-2 share after Juliet Niland's double had put Jaguar 3rds in the driving seat. Annette Miller was unlucky not to add to the Jaguar tally, but it took good displays by Emma Jones and keeper Sue Parr to restrict the Standard attack.
Atherstone ladies balanced the club books when they crushed Droitwich Spa 9-0 to exactly match the men's deficit against Ashby.
A fresh formation, with five in midfield and only two up front, worked superbly as the Adders established a 4-0 halt-time lead - Lizzie Mill, Emma Whitehouse, Laura Webb and Steph Wright moving upfield to net.
And they stepped up the pressure in the second period, Mill completing a hat-trick and Webb claiming another before forwards Martha Gwatkin and Steph Carter got in on the scoring act.
Amy Parkinson made an impressive debut at right half.
A young Warwick side gave Coventry & North Warwickshire an early jolt when Charlotte Powell dashed down the right to net from a tight angle, and the scores were locked at 1-1 at the interval with Sarah Palmer on target for the Binley Road girls.
But it was one-way traffic in the second period as Coventry cantered to an 8-1 verdict, Kate Edmunds returning from injury with a four-goal blast while Palmer, Michelle Coene and Angela Brian claimed a slice of the action.
Leamington paid the price for a sluggish start when they were shaded 2-0 by Daventry. Gayna Williams did her best to drive Spa forward from defence, linking well with Stacey Holt in midfield and Vikki Cullingworth down the right flank, but they couldn't find the finishing touch.
Jaguar were outgunned 5-2 by Birmingham University after a bold retaliation had seen them wipe out a two-goal deficit. Joyce Jones guided home a clever reverse-stick shot and Sue Taylor hammered the equaliser after Kate Russell's short-corner flick had been parried, but the Students quickly resumed control.
Jaguar 2nds went down 1-0 to Birmingham University 3rds despite some stirring defensive work by Kath Davidson, Lindsey McCormack and goal-keeper Julie Humpherson.
Jaguar had their chances, Janine Thomas and Rachel Holloway going close, but a scrambled second-half goal swung it for the visitors.


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Collin-Vézina, D., Coleman, K., Milne, L., Sell, J., & Daigneault, I. (2011). Trauma Experiences, Maltreatment-Related Impairments, and Resilience Among Child Welfare Youth in Residential Care. International Journal of Mental Health and Addiction, 9(5), 577-589.
This study examines the trauma experiences, trauma-related sequels, and resilience features of a sample of Canadian youth residing in residential care facilities. Additionally, authors explore the relationship between gender and trauma.
A convenience sample (n=53) of youth aged 14 to 17 was recruited from six child welfare residential care facilities for participation in the study. Measures of trauma, trauma symptoms, and resiliency of the youth revealed high rates of experiencing maltreatment and neglect. Girls were more likely to report sexual abuse and to exhibit sexual concerns, posttraumatic stress, and dissociation symptoms than their male counterparts.
Multiple forms of trauma were related to higher clinical levels of depression, anger, posttraumatic stress, and dissociation, as well as to lower individual, relational, and community resilience features.
Fuller-Thomson, E., & Sawyer, J. (2012). Is the cluster risk model of parental adversities better than the cumulative risk model as an indicator of childhood physical abuse?: Findings from two representative community surveys. Child: Care, Health and Development
In order to improve identification of children at risk of childhood physical abuse (CPA) screening strategies need to be improved. This study compares cluster (the type of risk factors is key) and cumulative (the number of risk factors is key) models of risk indicators (i.e., parental divorce, parental unemployment, substance addiction). Data were drawn from Statistics Canada National Population Health Survey (NPHS) (1994-1995) and Canadian Community Health Survey (CCHS) 3.1 (2005). Participants aged 18 and over who answered questions about childhood experiences.
The prevalence of CPA for respondents from CCHS who did not report any of the three selected risk indicators was 3.4%, and was also 3.4% for risk-free respondents from NPHS. The prevalence of CPA for who experienced parental divorce only was 8.3% (CCHS) and 10.7% (NPHS); for respondent who had experienced parental unemployment only the prevalence of CPA was 8.9% and 9.7% respectively.; and for those who had experienced parental substance addiction alone the prevalence of CPA increased to 18.0% (CCHS) and 19.5%(NPHS). The presence of all three risk indicators increased the prevalence of CPA to 36.0% and41.0%.
Authors conclude that a cumulative model is a better option as a first-stage screening tool in order to identify CPA. Rather than physicians solely assessing the physical and trauma-related injuries associated with abuse, in order to gain more insight into the potential for CPA doctors are encouraged to inquire about parental substance addiction, parental unemployment, and parental divorce.
Naicker, K., Mickham, M., & Colman, I. (2012). Timing of first exposure to maternal depression and adolescent emotional disorder in a National Canadian cohort. PLoS ONE, 7(3), 1-6.
Maternal depression is identified as a risk factor for childhood psychopathology. This paper investigated whether the time period of initial exposure to maternal depression differs according to its influence on later adolescent emotional disorders. The study analyzed data (n=937) from the National Longitudinal Survey of Children and Youth (NLSCY), a longitudinal study established by Statistics Canada in 1994/5 to investigate child health and development. Adolescent (i.e., gender, chronic health conditions, stressful life events, low household SES) and maternal characteristics (i.e., marital status, chronic health conditions, heavy alcohol use, social support, more than one depressive episode, currently depressed) were analyzed according to whether they significantly influence the likelihood of an adolescent emotional disorder between the ages of 12 to 13 years. Results suggest that there is a sensitive time period of initial exposure to maternal depression. Specifically, children initially exposed to maternal depression between the ages of two and five years old were significantly more likely to experience symptoms of depression and anxiety in adolescence when compared to their unexposed counterparts.


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U.S. drone strikes killed 775 civilians since 2004: report
Chris Woods, an award-winning reporter with the Bureau of Investigative Journalism, appeared Monday on Democracy Now to discuss an investigation into civilian deaths caused by U.S drones in Pakistan.
According to chief counterterrorism advisor John Brennan, no civilians have been killed in the drone attacks for nearly a year.
"The particular comments that John Brennan made were made on June 15th of this year, where he said that no civilians had died in CIA drone strikes over the last year," Woods said. "And in fact, only this week, they seem to have pushed that back even further and are now suggesting that no civilians have died since May 2010. And certainly, the evidence that we've looked at and the exercise that we've run, looking at these strikes in great detail, would flatly contradict that."
The Bureau of Investigative Journalism estimates U.S. drone strikes in Pakistan have killed as many as 775 civilians, including 168 children.
Watch video, courtesy of Democracy Now, below:


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Sweet poster, no? Roughly translates as "My Little Cabbage" ;)
Or perhaps you'd like this Owlphabet :)
Both of these delightful posters can be found in gingiber's shop!
Aww..I adore the top one:) So sweet! Happy day, sweetie
I love that first poster to bits!
I adore gingiber!
Candidly, Red Designed by Live and Enliven Designs


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Saltworks of San Fernando, Cádiz
Beyond description to our retinas, the hieroglyphs invented by
the drowned wetlands reveal themselves and rebel. Sinuous
paths of chlorophyll, water and salt shown by the magic labyrinth
to the winged eye held aloft by kerosene motors. A journey
towards knowledge from the air, to the abacus that counts beaks,
feet and wings that frolic in mud and sheets of water. Where to
look for the entrance and exit to this network of green corridors.
Where does the ancient writing begin and end, the one glimpsed
by flight in tribute to science.
The feathered flamingos ignore the fact that their movement isn't
punctuated by a pilgrimage to El Rocio, but instead by a dance
performed by them in ponds; likewise the woodcocks and geese
are unaware that their continual take offs and landings smudge
the numbers high above. Dry Doñana and drowned Doñana,
forever an asylum to grazing cows, wild horses and weatherbeaten
dwellers of the wetlands. Looking to the south, further
south, the river comes and goes, takes and gives back, and it is
always water, in the end, which shapes, which writes for the sky
and for the earth.
Mario Sáenz de Buruaga
Saltworks of San Fernando, Cádiz
36º 27' 37.26'' N 6º 10' 16.45'' W / January 23, 2006
Network of canals of the traditional saltworks. The original design
of the manmade saltworks adapts to the underlying terrain of the
wetlands, with interesting results. The walls have been colonized
by halophyte plants and it's still possible to observe the ruins of
some floodgates from the original water control system.
Protection status: Bay of Cádiz Nature Park.
Photo: © Héctor Garrido


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I just realised I wrote a smally and never posted last week. It was just about my college library, nothing exciting!
My lung functions today were 102% which is an all time high, and that elusive 100% has finally been captured! It's really amazing and so fortunate that despite the random sickies I seem to have picked up these few months, that my lungs are doing so well. (Whacks head off wood)
My weight is also up by 2 kilos (4.4lbs) which is a relief. I've been really trying and it's good to see it pay off.
At this stage the team want my Prograf/Tacrolimus (anti-rejection tablet) level aiming to be between 6 and 9. Or 5 and 10 depending on who you talk to. I mentioned before it should be between 10-12. The reason they'd like a lower level has something to do with the fact that I'm a 'couple of years out now' and something, something...trail off.... Anyway, It's always great to hear 'couple of years out' said in such a relaxed way. It also reminds me that technically they're not 'new' lungs anymore either.
Thinking about the two years, I think at some points I've *maybe* pushed myself a bit too hard, or maybe done things that have had some people raising eyebrows. I do need to constantly remind myself that despite the fact that I'm now freakishly well (touch wood), I still have to find that balance, and that 'balance' perhaps needs to be more closely monitored than that of my friends. But at the same time, in two years, I'm healthier than I've ever been (bang wood) and I've had the opportunity to travel (which is my number one favourite thing to do!) to 14 different countries (give or take one or two, can't quite count). I've had countless late nights and got up the next day (not necessarily early, but up nonetheless...) and I've managed to complete one year of my degree course (still three to go...). It's true that your health is your wealth!


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The Bonanza Khao Yai Hotel
The Bonanza Khao Yai Hotel .Bonanza Ranch provides you with all the comforts and amenities of your own private retreat. You will enjoy lakeside swimming pool, spa & fitness, full service bar, restaurant and karaoke, meeting/banquet rooms, 24-hour guest services, poolside barbecues (party), tours around the ranch, and much more.
The Bonanza Khao Yai Hotel.We offer a variety of room sizes and styles to suit your needs. All of our spacious and comfortable suites can be configured for families, groups, business travelers or golfers, with 80 standard rooms, 22 deluxe rooms, 4 junior suites, 2 suites, and 18 cottages. Every room at Bonanza Ranch has a balcony with furniture, Cable TV, radio, air conditioning, mini refrigerator, hot water maker and 24-hour room services.
Bonanza Khao Yai History
Former Mr.Priwong Techa Narong founder Kingdom Bonanza. Plan and create a Bonanza to a period of 17-year area and more than 4 thousand rai by Mr.Priwong was inspired by films cowboy favorite is about Bonanza design empire, this is a style American Country by materials to create more than 80% wood Bonanza is the first project. In Khao Yai National Park. They have been pioneers in this sardonic forests as places to relax and golf courses. Became known as the person.I wish that there will be villas nature Bonanza management system for each family. Create warmth and attention to detail of the environment mainly. Mr.Priwong want to the Bonanza is the place to relax in luxury as a one-stop troops from the kingdom into the American West on this land.
Paradise for nature loves. A place to relax. Situated on a 3,000-raipiece of land adjacent to Khao Yai Nation Forest. Only 2 hours drive from Bangkok. Come and relax in seclusion and get back in touch with nature. Our grounds are well kept and designed with a natural layout throughout the resort. Our friendly staff are always there to help and to serve you. We`ll make you feel at home.
The hotel offers five different types of accommodations, including 40 standard rooms, 22 deluxe rooms, 4 junior suite rooms, 2 suites, and 18 bungalows, just a flash away from the hotel.


text: With a goal of becoming a leading lithium supplier, Nemaska Lithium is building a Phase 1 demonstration plant that utilizes the Company's proprietary lithium hydroxide and lithium carbonate processes. The Phase 1 plant will have an average combined capacity of 610 tonnes per year. The Company decided to commission this Phase 1 plant in advance of starting operation of its larger commercial facility for several very important reasons:


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The following is being distributed at the request of the Council of Atlantic Premiers:
Atlantic Premiers Act to Strengthen Regional Collaboration
Sussex, NB - The Council of Atlantic Premiers agreed today to strengthen collaboration between their provinces with new actions to improve the efficiency and cost-effectiveness of government services, sustain vital health care services and build on the region's potential as a producer of clean and renewable energy.
Premier David Alward was joined by Premier Darrell Dexter of Nova Scotia, Premier Robert Ghiz of Prince Edward Island, and Premier Kathy Dunderdale of Newfoundland and Labrador, who was welcomed by her colleagues to her first CAP meeting.
Premiers' collaborative action is a tangible commemoration of the 40th anniversary of the founding of the Council of Maritime Premiers (CMP) and the ongoing initiatives of the Council of Atlantic Premiers (CAP). On May 25, 1971, the Premiers of New Brunswick, Nova Scotia and Prince Edward Island founded the CMP, with the aim of providing more effective services to their citizens. Over the years, Atlantic premiers often met informally in addition to CMP, and Atlantic initiatives were undertaken. In 2000, Newfoundland and Labrador joined with the three Maritime provinces to establish CAP, which provides a forum for fostering regional collaboration within Atlantic Canada and the development of positions on key national issues.
Premiers also discussed certain national programs such as the upcoming renewal of significant federal transfers and shipbuilding, and agreed that the needs of Atlantic Canadians must be addressed.
Regional Collaboration
Premiers committed to work together to improve public services to their citizens while lessening duplication and reducing costs to taxpayers. Joint procurement is one tangible way that provinces can work together to improve public services. The Atlantic provinces have for many years cooperated on public purchasing in a number of areas, including school bus tendering and courier services, resulting in significant savings to taxpayers. Premiers directed all ministers, where appropriate, to identify and pursue joint procurement opportunities, and explore the viability of partnering in public purchasing with other Atlantic provinces.
Premiers noted the ongoing efforts of the region's liquor corporations to reduce costs through collaborative actions. Atlantic liquor corporations currently provide joint tendering of international freight from consolidation to delivery and are collaborating on marketing and promotion of the responsible use of alcohol. Premiers encouraged further dialogue among the liquor corporations to continue to enhance regional cooperation.
Atlantic Canada is positioned to be a leader in the development of clean, renewable electricity to meet the needs of Canadian and US power consumers. Premiers urged the federal government to continue to work with provinces to promote development that will unlock the region's potential as a producer of renewable energy. Through the Atlantic Energy Gateway initiative, the Atlantic provinces are exploring ways to more fully integrate their transmission systems. Studies are currently underway on system integration, project financing, market opportunities and regulatory issues. Premiers acknowledged the federal government's support for the Atlantic Energy Gateway initiative and they look forward to reviewing its findings.
Premiers discussed a number of projects which will advance the development of renewable energy in the region and reduce greenhouse gas emissions, including Phase 1 of the Lower Churchill hydroelectric development, PEI's Energy Accord, designed to bring stable energy prices to the province, its 500 MW Wind Energy Plan and the Northumberland Strait cable transmission project, the agreement between Emera and NB Power to explore the transmission link between New Brunswick and Nova Scotia, as well as other New Brunswick energy initiatives. In its initial findings, the New Brunswick Energy Commission has identified potential opportunities for regional collaboration in the energy sector, and New Brunswick looks forward to working with its Atlantic partners in advancing these opportunities.
Atlantic premiers discussed the unique opportunity these developments provide to move towards a more integrated Atlantic transmission system, to build a modern, efficient and clean renewable energy grid that will maximize employment and economic benefits for the region.
Premiers welcomed the Prime Minister's election commitment to support renewable energy projects which are economically viable, reduce greenhouse gas emissions, and provide significant long-term regional and national economic benefits. Premiers support these principles as a basis for moving forward with renewable energy projects in Atlantic Canada.
Premiers called on the federal government to fulfill the Prime Minister's election commitment to provide a loan guarantee or equivalent financial support for Phase 1 of the Lower Churchill development. Premiers also called on the federal government to approve Prince Edward Island's application under the Green Infrastructure Fund for the Northumberland Strait Cable Project.
Premiers urged the federal government to continue to work with provinces to promote projects that will unlock the region's potential as a producer of clean and renewable energy.
Sustaining Health Care
Premiers today signed a Memorandum of Understanding for collaboration in providing timely and effective access to cardiac artery bypass graft surgeries. This agreement guides referrals so that patients requiring this surgical procedure will receive timely access to appropriate care. This is a key example of how collaborative action can be used to improve the efficiency of health care services for all Atlantic Canadians.
Sustaining health care for the long term will require innovative programs and a renewed emphasis on health promotion, illness prevention and chronic disease management. Premiers discussed key issues in sustaining health care services and directed their health ministers to identify tangible opportunities to achieve efficiencies and improve services through collaborative actions, reporting to them at the next CAP meeting.
Atlantic premiers noted that cancer rates in the region are among the highest in Canada. They endorsed research efforts to determine the impact of genetics, the environment, and behavior on the prevalence of certain cancers. Premiers challenged Atlantic Canadians to participate in the Atlantic Partnership for Tomorrow Project (PATH), the largest study of its kind in the region's history.
Federal Transfers
Premiers agreed that Canada's system of transfers from the federal government to provinces and territories is a defining characteristic of Canadian federalism. All jurisdictions benefit from transfers that support vital health care and social services and enable provinces and territories to deliver the services Canadians deserve. Premiers agreed to work together to champion a system of federal transfers that strengthens the Canadian federation and achieves Canada's constitutional objectives. This will be an important element of discussions toward renewing important transfers, including the Canada Health Transfer (CHT), Canada Social Transfer (CST), and Equalization, which are due to expire in 2014.
As premiers advocate for stable, adequate and predictable federal transfers, they will also show leadership in addressing cost pressures in health care and social services through innovative solutions.
Premiers discussed the importance of policies that support Canadian families. They agreed that it is important for all governments to focus on early learning, childcare, and the need for improvements to maternal and parental benefits under the Employment Insurance program.
The Atlantic provinces have a long and proud tradition of shipbuilding. Premiers noted the federal government's current initiative to modernize Canada's navy and coast guard fleet is a historic opportunity, which has the potential to revive and strengthen the shipbuilding industry in this region. Premiers support the federal government's objective, fair and transparent procurement process. Premiers urged the federal government to maximize the potential for new shipbuilding activity in Atlantic Canada under the National Shipbuilding Procurement Strategy. They stated it is vital that the benefits of new shipbuilding initiatives are maximized across each of the Atlantic provinces, realizing that subcontractors in other parts of Canada will benefit.
Atlantic Canada is facing demographic challenges not faced by other regions of Canada, including an aging population and projected population decline. Meeting these challenges and addressing the workforce skills shortages that will arise as a consequence of these makes it important that Atlantic Canada be well positioned to recruit and retain immigrants. Premiers again called on the federal government to remove the cap on Provincial Nominee Programs.
Regional collaboration is a key element in recruiting needed skilled workers. Since 2005, officials of the four provinces have been working with their federal counterparts through the Atlantic Population Table (APT). Funded jointly by federal and Atlantic Canada governments, the APT has been instrumental in marketing and recruitment efforts to meet the region's workforce needs. The funding agreement supporting the APT is due to expire in January 2012 and premiers urged the federal government to renew this Memorandum of Understanding so that the important work of meeting Atlantic Canada's immigration objectives can continue.
Research and Development
To continue to grow and prosper, Atlantic Canada must expand its capacity for research and development that will foster innovation and create new jobs and long-term economic growth. Over the last two years, the four provinces have invested over $200 million in innovation and R&D support. The federal government is a key partner in building R&D capacity in the Atlantic provinces and there are opportunities for both levels of government to work more closely to ensure our collective R&D investments are better aligned and tied to results. Premiers recognize that more focused efforts are required to continue to build R&D capacity in the private sector. Premiers emphasize the need for national R&D support programs to be more responsive to Atlantic provinces' priorities and strengths, as well as tailored to regional and provincial conditions.
- 30 -
Media contacts:
|Jesse Robichaud
Office of the Premier
New Brunswick
|Milly Brown
Office of the Premier
Newfoundland and Labrador
|Melissa MacKinnon
Office of the Premier
Nova Scotia
|Geoff Townsend
Office of the Premier
Prince Edward Island
2011 05 16 4:30 p.m.


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It's now mid 1990's and ESI's employee count has reached double digits and their sales department was born. This allowed Ray and Carolyn to attend events such as the National Software Retail Association where they met Bill Gates and talked personally about the future of Windows. Soon afterwards, PUMP-FLO® hit the 'world wide web' – known today as the internet.
In ESI's 35 years of existence, it has grown into a global software provider for over 3,000 clients worldwide. With partners such as Weyerhaeuser, Shell Oil and Chevron, ESI continues to grow through their unsurpassed software development and ethical business practices.
Our Products
Engineered Software, Inc.'s hydraulic analysis program, PIPE-FLO®, is widely used for Engineering, Commissioning and Operations of gas and liquid piping systems around the world to help companies design, optimize and reduce capital and operating costs of their fluid piping systems.
Originally conceived in 1986, PUMP-FLO® was the world's first centrifugal pump selection program. Today, the PUMP-FLO® suite of products is used by pump manufacturers, distributors and buyers to streamline their pump sizing, configuration, selection, quotation and pricing processes.
The most recent addition to ESI's growing portfolio of products is ESI Learning. Launched in 2008, ESI Learning offers several training courses on industry related topics ranging from Centrifugal Pumps to Piping System Assessment and Optimization that bring valuable information to industry professionals.
Our Vision and Mission
Engineered Software, Inc. envisions a world where fluid piping systems are intelligently designed to leave a smaller environmental footprint while improving the reliability and ROI of industry's hidden infrastructure.
ESI's Mission is to assist our customers in realizing energy efficiencies through improved piping system understanding and superior equipment selection.
We do this in three ways:
1. Develop flexible software which simulates, troubleshoots, and communicates the optimal operation of liquid and gas systems over the lifetime of a facility.
2. Create intuitive software for efficient pump and equipment selection and configuration.
3. Advance industry knowledge and propagate best practices in the design and operation of plant systems through strategic partnerships, industry advocacy and educational programs.
Leadership Team
Christy Bermensolo came to Engineered Software, Inc. in 2006 from Intel Corporation, where she advanced from a chassis and component design engineer to a senior engineer on Thermal and Mechanical System Integration. Her work spanned from large server systems, including the first IA-64 bit server, to enabling components and desktop architecture design. During this time, Bermensolo is credited for developing a patent for a connector (#6,146,176) used in the interconnection of the CPU to Memory Module on the first IA-64bit Itanium server.
As the Vice President of Engineering at Engineered Software, she devoted her expertise to managing and developing a team of engineers to create technical collateral to support product development, training products and technical publications. She was also instrumental in developing interdepartmental processes to aid in the development of world class software products for the fluid handling industry.
Currently, Bermensolo leads a talented management team dedicated to relentless customer focus, the innovative development of our products and the advancement and empowerment of our employees. Through transparent and efficient business operations, Bermensolo is the leading force behind ESI's emphasis on solving the technical challenges of the fluid hydraulics industry.
Bermensolo serves on the Pump Systems Matter (PSM) board, a non-profit educational affiliate of the Hydraulic Institute. PSM works to build awareness of the importance of pump system optimization with pump manufacturers, pump users and pump system operations.
Previously, Bermensolo was the team captain of her swim team at the University of New Mexico, where she earned a Bachelor's of Science degree in Mechanical Engineering. She has also earned an MBA from The Foster School of Business at the University of Washington in June 2015. Her other passions include her family, skiing, bike touring and triathlons.
Joseph Benefield, Executive VP of Products
Joseph Benefield has over 30 years of technical and leadership experience in several disciplines and industries. Benefield holds a Bachelor's of Science Degree in Mechanical Engineering from California State University, Fullerton. Benefield joined Engineered Software, Inc. after working in management and program management with Intel Corporation for over 17 years. Benefield was responsible for managing teams and the delivery of computer systems and component hardware analysis, design, and products.
Throughout his career, Benefield has applied fundamental engineering and organizational principles to a variety of problems and industries including energy research, composite materials production, electronic product design and production, and product and technology planning.
Todd Bermensolo, Executive VP of Technology & Business Analytics
Todd Bermensolo has over two decades of engineering and technology experience in the semiconductor and computer software industries.
Starting with a Bachelor of Science in Electrical Engineering from the University of Idaho, Todd continued on at University of Illinois at Urbana-Champaign and earned a Master of Science in Electrical Engineering and a certificate in Strategic Technology Management (STM). The STM program is designed for engineering students focusing on high-level strategic technology/business decisions and developing leadership skills.
For over 18 years, Todd worked at Intel Corporation where he led multiple teams geared around server platform design, architecture and performance improvement. His primary focus was on server computer signal integrity, where he was project lead for two server platforms from initial architecture to final product launch. Todd later established a new organization chartered with advance high-speed I/O modeling, led and managed a team to create accurate, high-fidelity and fast PHY models at 10Gbps and greater. Todd published several conference papers, served on conference technical program committees, and was awarded a US Patent.
Beginning in 2015, he started to explore the Data Analytics and Data Science field by earning several certificates through John Hopkins University and ESSEC Business School. In 2017, Todd joined the team at Engineered Software, Inc. to assist with data management and analytics. Soon advancing to Executive Vice President of Technology and Data Analytics, Todd manages a team of software developers and technology experts that create software to meet our customers' fluid handling selection and analysis needs.
In his free time, he enjoys spending time with his wife and three kids. As a family, they spend time skiing in the winter, and boating & cycling in the summer. His other passions are tinkering with electronics and computer hardware, studying cooking & nutrition, and practicing martial arts.
Ray T. Hardee, P.E., Founder
As one of the principal founders of Engineered Software, Inc., Ray Hardee is a co-creator of PIPE-FLO® and PUMP-FLO® software. Hardee, who graduated with honors from the United States Merchant Marine Academy in Kings Point, NY, spent several years as an officer in the U.S. Naval Nuclear Power program. After his service, Hardee's career spanned over 13 years in the power generation industry where he worked for Ebasco Services. There, he was involved in the start-up and test group where he would perform the preoperative tests for both nuclear and fossil power plants.
Recently, Hardee has been a contributing member on several committees that were responsible for authoring the Optimizing Pumping Systems Guidebook and the standard ASME, EA-2-2009 Energy Assessment for Pumping Systems.
During his time at Engineered Software, Hardee authored Piping System Fundamentals: The Complete Guide to Gaining a Clear Picture of Your Piping System and has also contributed dozens of articles and papers to various magazines such as Pumps and Systems, Treatment Plant Operator, and Water World. As a recognized author Hardee has given over thousands of presentations and is actively teaching in the hydraulic world.
Carolyn Popp, Founder
Founder, Carolyn Popp has been with Engineered Software, Inc. since 1982. As co-creator of PIPE-FLO® and PUMP-FLO® software, she developed the early versions of each product and guided all software development in the company until 2007. Popp has been one of the driving forces in Engineered Software Inc.'s success. Popp received her Bachelor's in Mathematics from Saint Bonaventure University in Olean, NY. She also graduated with a minor in Physics, cum laude, and was first in her department.
Prior to starting the company with husband and co-founder Ray Hardee, Popp's experience stems from three years as a software developer for Pfizer Pharmaceuticals. Her previous experience also includes working as a Software Engineer at Aerojet Nuclear and IBM.


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Indium Corporation's Liyakathali Koorithodi, Senior Technical Support Engineer, will present at the launch of a new SMTA chapter in Bangalore, India on September 25.
Liyakathali's presentation, Lead-Free Alternative Alloys, discusses the development of low cost alternatives to near-eutectic SAC alloys for Pb-free assembly. His presentation will compare alternative Pb-free alloys and explore whether existing processes need to be modified for alternative alloys.
Liyakathali provides technical support for Indium Corporation's electronics assembly materials, semiconductor and advanced assembly materials, solar photovoltaic, and thermal management customers in India. He has more than 13 years of experience in electronics assembly manufacturing. Liyakathali has a Diploma in Mechanical Engineering from the Department of Technical Education, Government of Kerala, and is an SMTA-certified SMT Process Engineer. He earned his Six Sigma Green Belt from Motorola University (TQMI Chennai).
The SMTA India chapter has recently joined the SMTA's network of chapters across the United States, South America, the Middle East, and Asia. The volunteer officers and leaders of SMTA local chapters plan events serving regional networks of industry professionals. For more information on chapters, visit the SMTA's website.
Indium Corporation is a premier materials manufacturer and supplier to the global electronics, semiconductor, solar, thin-film and thermal management markets. Products include solders, preforms, and fluxes; brazes; sputtering targets; indium, gallium, and germanium metals and inorganic compounds; and NanoFoil®. Founded in 1934, Indium has global technical support and factories located in China, Singapore, South Korea, the United Kingdom, and the USA.
For more information about Indium Corporation, visit www.indium.com or email email@example.com.


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4) Loan Lingo
Do you always want the "premium" product? Well, in the mortgage business, premium equates with "expensive," not necessarily better. To win in the mortgage world, you must understand the basic mortgage language. So, spend a few minutes here and learn to speak another language! Rather than being in alphabetical order, these terms are presented as you will probably hear them. (Later, we even give you more lingo in our glossary).
- MORTGAGOR: You, if you're getting the mortgage.
- MORTGAGEE: The lender.
- PRE-QUALIFICATION: Generally a worthless promotional gimmick used by some lending institutions to entice you into using their product. "Pre-qualifications" are just an informal opinion a lender gives you about your ability to borrow money. You know, "Hey, we like your looks! You can afford to buy the moon, and you'll probably qualify for our cheapest rate, too!" You've heard the same type of spiel from some car dealers: "1.9% financing!" But when it gets to contract time, the dealer raises the rate to 14%. Don't waste your time with "pre-qualification."
- PRE-APPROVED: The real McCoy. A pre-approval from an appropriate mortgage company can let you know exactly how much home you can afford and confirms that you are a serious and qualified buyer to a potential home seller. Some lenders charge you hundreds of dollars for a pre-approval. You don't want to do that. We'll show you how to find reputable mortgage lenders, such as many credit unions, who charge nothing or only modest fees for applying for loan pre-approval.
- FHA and VA The cousins—governmental agencies that generally help you get an easier or cheaper loan, if they like you. Here's their definitions of "like:"
- FHA LOANS: The Federal Housing Administration was formed to help persons with lower income buy a home. If you qualify for an FHA loan, your mortgage company may accept a smaller down payment and may have a lower interest rate, too. The FHA doesn't make loans itself, it guarantees that you will pay your loan.
- VA MORTGAGE LOAN: If you are on active duty, or are a former spouse of a person in the military, or are a veteran—and if you have enough "eligibility," a Veteran's Administration (VA) loan can be great! VA mortgages on't require any down payment, as long as the value of the house is within certain limits.
- CONVENTIONAL LOAN: A mortgage loan not insured by a government agency like the VA or the FHA. Conventional loans can be more expensive mortgage loans. What makes a mortgage "conventional"? Usually two things: You're making at least a 5% down payment, and/or your mortgage is too big for the government or one of its semi-governmental agencies to insure. The maximum size for FHA and VA mortgages usually changes yearly.
- CONFORMING MORTGAGE LOAN: You want one of these, if possible. A conforming mortgage loan falls within the loan limits set by a government-sponsored agency—either Freddie Mac or Fannie Mae. (More in a minute on them). What's the advantage of a conforming loan? You'll usually get a cheaper interest rate.
- FANNIE MAE LOANS: The Federal National Mortgage Association. Fannie Mae is a quasi-governmental organization. It sets standards for loans, purchases loans, and then re-sells them to investors. Mortgage loans that follow Fannie Mae or Freddie Mac's guidelines are usually cheaper.
- FREDDIE MAC: The Federal Home Loan Mortgage Corporation. Freddie Mac is a lot like Fannie Mae; Freddie Mac buys and resells mortgages, and guarantees the payment of both principal and interest on those mortgages.
- NON-CONFORMING LOAN (including JUMBO loans): A loan that exceeds the loan amount guidelines of either Fannie Mae or Freddie Mac or does not conform to their standards for some reason. As we said, the Jumbo amount varies and usually changes every year. You pay a higher rate for a jumbo or non-conforming loan. And you may have to pay more than the normal 5% down.
- "POINTS:" A "point" (the singular use of the word) is simply 1% of any loan. A point may sound small, but can be very large: If you're getting a $260,000 mortgage, a point is $2,600—certainly not hay, as they say.
- Points are used to "buy down" interest rates. For that reason, points used like this are referred to as "discount points." A lender might say "we'll either give you a 5% loan, or we'll give you an 4% loan with two points." Of course, they aren't giving you the points, you are paying them the points.
- Well, the obvious fair question here: How do you know if you should take a lower rate, or pay the points? Generally speaking, if you plan to keep a loan for a long time, you are usually better off to take the lower rate and pay the points. Generally speaking, if you're planning to sell your home in the next 5 years or so, your best option is to take the higher rate. Remember, mortgage interest is one of the few remaining tax deductions.
- ASSUMABLE MORTGAGES: They can be great, if you can get one, but you probably can't. An "assumable" mortgage means a person with approved credit can pay the equity in your sale price and assume your mortgage when you sell your home. This great feature is a thing of the past, unfortunately, thanks to the savings and loan debacle of the 1980's. Assumable mortgages played a big role in that bleak time, and the government and lending institutions have virtually done away with assumable loans.
- CONTINGENCY CLAUSES, or "Contingencies": Read this section carefully.
Contingencies aren't part of the mortgage itself, but are certainly part of the loan process. Contingencies are conditions that have to be met before a contract can be enforced. For instance, you're making an offer on a home, and you're getting ready to write a whopping check. But you haven't been approved for a loan yet; and you're worried about all those funny little things with wings crawling out of the woodwork in the attic; and the seller has told you the lot next door isn't being developed into a fireworks factory—even though a big sign on the lot says "Future Home of Rockets To The Moon"! Being a smart buyer, you make the seller put clauses in the contract that say you don't have to honor it (and do get your deposit back) under certain circumstances—if, for example:
- You can't get approved for a mortgage.
- You can't get the interest rate you were quoted.
- There are termites in the woodwork.
- The fireworks factory really is being built.
- SURVEYS: Drawings which show the boundaries of property, or show any buildings or other "improvements" on that property. Surveys don't tell you what a piece of property is worth, they define what that piece of property is.
- APPRAISAL: What a piece of property is worth. The only appraisal worth anything is called a Certified Appraisal. In most states, "Certified" means the appraiser is licensed. It also means the lender will accept the appraisal as the true value of a specific piece of property. But even certified appraisals can vary, depending upon which certified appraiser is used. For that reason, the lender typically orders the appraisal from one of their approved appraisers, although as the borrower you typically pay for the appraisal at closing.
- "IMPOUND" ACCOUNTS: These accounts are established by neutral third parties in a real estate transaction to hold money for the buyer or the seller.
- ESCROW PAYMENT or MONTHLY ESCROW PAYMENT: Money that you pay each month (over and above your principle and interest payment) that is used to pay your property insurance and property taxes. Escrow is usually only required by lenders if you make a down payment of less than 20%.
- EARNEST MONEY: A deposit which shows you're a serious buyer, and not just a "shopper." This amount is usually held in an escrow account and credited to you at closing.
- "FULLY INDEXED RATES": Another really important term to understand, if you are a borrower. We're going to tell you about Adjustable Rate Mortgages in a minute, but first you need to understand the importance of "fully indexed rates." The fully indexed rate is the true interest cost of an Adjustable Rate Mortgage. Some lenders quote you a promotional interest rate to get your loan, but gloss over the fact that the "fully indexed" rate is dramatically higher.
- TEASER RATES: The "promotional" rate we just mentioned. These should usually be called sucker rates. Don't pick a mortgage based on the teaser rate! The rate will go up.
- PRORATIONS or "PRORATED FEES": If the present owner has paid the property taxes or other fees for the year, but you're closing on the house in the 8th month, you are generally responsible for reimbursing the seller for 4 months of those taxes and fees since you are assuming ownership of the property for the last 4 months of the year. Some prorated fees such as charges for a home security service are negotiable.
- CLOSING COSTS: Fees the lender collects for processing a mortgage, plus title costs and prepaid items (taxes & insurance). Closing costs vary wildly, and can be paid by the buyer or the seller. If you're smart, you obviously want the other person to pay. A caution: many real estate transactions regularly fall apart over the issue of who will pay closing costs. For instance, if you're buying a very hot property, a seller may refuse to pay certain costs because the seller knows another buyer is in the wings. You have a perfect right to negotiate these costs, but make sure that negotiation doesn't become a "deal breaker," unless you intend it to be.
- CLOSING: The day you've been waiting for! It's the day you take ownership. Read more about what to expect at closing in the Information Edge Home Buying Guide.
In the glossary, we give you more terms. But, spend a bit of time learning the terms here and you'll be smarter and wiser, and probably richer.
Information Edge links to sites provided by a variety of sources. We review sites for credibility and reliability, but Information Edge, of course, can't control advertising and other links on these sites. We advise ignoring pop-up ads, links to sales of products or services, and the like.


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Once again, Melanson Heath contributed to the annual Cigna/Elliot 5K road race which took place in Manchester, NH. We had a great time for a worthy cause and even received an award for "Highest Percentage of Participants." Go Team!
Thanks again for a memorable event & see you next year #CignaElliot5k!!
Proceeds from the race will benefit Elliot Health System.
Elliot plays a crucial role in delivering the highest quality care to the people of New Hampshire. Regardless of insurance or the ability to pay, Elliot's doors are always open to the community, seven days a week, 24 hours a day. Elliot continues to improve access to care and continues to demonstrate its commitment to the local community with the development of facilities such as The Elliot at River's Edge. This year, the proceeds of the road race will support the mission of Elliot as they continue to find innovative, cost-effective ways to deliver the most advanced health care to the people of our state. For more information click here.


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Shipping Fees and Delivery Policy
All shipping items should be below 10 kilos in total weight
Shipping fee for orders:
120 PHP – Shipping fee within Metro Manila
220 PHP – Outside Metro Manila
Delivery dates and estimated time of arrivals of purchased items
Next day delivery for deliveries within Metro Manila, except Sundays and Holidays.
And allow us 3-5 Business days for deliveries outside Metro Manila.
If your orders exceed 10 kilos or are considered "Bulky Items" we will have our customer service support contact you for estimated shipping fees by our partner couriers.
We highly encourage you to contact our customer care department at (02) 283-5154. You can also email us at firstname.lastname@example.com.