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9 Facts You May Not Know About Western Tasmania
Iron Blow / Jason Charles Hill
Tasmania's west is different: it's quirky, it's untouched and untamed. Here's what you may not know about the Western Wilds.
1. Gravel football oval
Ever played football on a gravel oval? Don't slip, it hurts! Due to Queenstown's high rainfall, a gravel oval was built instead of a grass oval so the locals could keep playing footy. Have a look around and you'll no doubt see the scars on those brave enough to do it.
2. The Confluence
Where the King and Queen Rivers meet is an incredible sight. The alpine waters of the King River rise from the nearby mountains while the Queen, which passes through Queenstown, is the colour of pumpkin soup. This is because the Queen is dead. More than 100 million tonnes of mining waste has been dumped into its waterways from 1922 to 1995. These rivers swirl together in a display of the dead and the living, the old and the new, untouched wilderness and wilderness devastated by man.
3. A missing tiger
Believed to be extinct, the thylacine – also known as the Tasmanian tiger – is thought by some to still roam the west today. The button grass plains of Tasmania's west were its hunting grounds. Declared extinct in 1930, there have been reported sightings since, the most recent in 2017. Keep an eye out when you're travelling the Lyell Highway near Derwent Bridge. You never know what you might see…
4. Highest commercial abseil
In the middle of the World Heritage Wilderness Area, the Gordon Dam demonstrates a stark contrast of human engineering feat against the untamed Tasmanian wilderness. This massive 140-metre high double-walled dam holds back more than 12 million megalitres of water. The water drops over 180 metres underground into a power station where turbines generate enough energy to power 13 per cent of Tasmania. It's also home to the highest commercial abseil in the southern hemisphere. Are you brave enough?
5. A Wall in the Wilderness
The Wall in the Wilderness is a bold creative undertaking of giant proportion. At Derwent Bridge, artist Greg Duncan is carving three-metre high Huon pine panels – wood that can't be found anywhere else in the world – to commemorate the people who shaped the history of the central highlands.
6. The edge of the world
The Henty Dunes form a vast expanse of sand amid the rainforests of Tasmania's west coast. The dunes extend several kilometres inland and 15 kilometres along the coast north from Strahan. The dunes were formed by the Roaring Forties that blow uninterrupted from South America, gaining speed all the way to Tasmania. It's an easy 1.5-hour return walk from the picnic area through the dunes to Ocean Beach, Tasmania's longest beach. Sliding down the dunes has been a favourite activity for locals and visitors over the years. Take a toboggan.
7. An historic wilderness railway
The historic West Coast Wilderness Railway travels 35 kilometres from Strahan to Queenstown through mountainous terrain and lush wilderness inaccessible by any other form of transport. With stops along the way for gold panning, wild honey tasting and rainforest walks, this steam railway journey offers a unique insight into Tasmania's wilderness and the people that made it their home.
8. The world's largest stretch of ocean
Watch the sunset over beautiful Ocean Beach, which stretches north from Strahan to Trial Harbour. The closest landfall from here is South America to the west, making it the largest stretch of ocean on earth. In serious weather, the swell is known to reach up to 20 metres.
9. Iron Blow
Ever seen inside an open cut mine? Venture on to the cantilevered lookout at Iron Blow at Mount Lyell and get a view into the unique landscape of one of the first open-cut mining ventures on Tasmania's west coast.


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Explore Lake Placid, NY
Serious G's » Lake Placid Bobsled Experience
WHY GO » And you thought skiing was an adrenaline rush. Try flying through banked turns at freeway speeds. A professional driver and brakeman are provided. All you have to do is strap on your helmet and hold tight for a thrilling half-mile. whiteface.com/activities/bobsled-experience
Totally Tubular » Lake Placid Snow Tubing
WHY GO » Half the fun of tubing at Lake Placid is doing it in the shadow of the towering 70- and 90-meter jumping towers. Have a blast sliding (day or night), and take away a new appreciation of how gutsy those jumpers really are. whiteface.com/activities/snow-tubing
Ski, Shoot, Repeat » Be a Biathlete
WHY GO » It's a real gun, and it shoots bullets. Now try hitting a target with your heart pumping, lungs heaving, and nordic skis attached to your feet. Norwegian soldiers and hunters of yore could do it. Can you? whiteface.com/ activities/be-biathlete
Ready, Set, Slide » Toboggan Chute
WHY GO » You don't have to head all the way out to Mt. Van Hoevenburg to get your sliding fix. Right downtown, the toboggan chute has been thrilling winter visitors for half a century. Two to four riders shoot down a 30-foot-high ramp and out onto the ice of beautiful Mirror Lake. northelba.org
Wonders of Nature » The Wild Center
WHY GO » In nearby Tupper Lake, The Wild Center invites you to explore the beauty and wonder of the Adirondack natural world as well as "ways that people and nature can thrive in the same place." Wander through exhibits in its handsome facility, set pond-side on an 81-acre campus. wildcenter.org
Air It Out » US Airbag
WHY GO » Eastern landings are known to be hard, but would-be aerialists can huck with impunity into the US Airbag, a 50-by-50-foot pillow at Whiteface. Practice new moves before taking them to the park, or just enjoy the thrill of going huge. whiteface.com/mountain/terrain-park/us-airbag
(Illustration: Josh Cochran)

subset: commoncrawl


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My research concentrates on the development of ichthyology as a field of study, and in relation to this on representations and dicussion of fish in literature, art, and in a culinairy context. My PhD thesis focusses on Conrad Gessner's Historia Piscium (1558) within a broad corpus of primary sources, including well-known authors such as Pierre Belon, Hippolito Salviani, and Guillaume Rondelet, as well as lesser-known authors such as Gregor Mangolt and Johann Kentmann. In addition, other discussions of fish, primarily in scholarly works, but also in emblem books, poetry, calendars, and cookery books are taken into account.
2019: 'Things to do with Texts. Natural History from the Renaissance to Darwin'. Leiden University Humanities Lab.
2017: 'Things to do with Texts. The Exploration of Nature (1550-1850) through word and image'. Leiden University Humanities Lab.
2016: 'Things to Do With Texts: Capturing Nature in Word and Image '. Leiden University Humanities Lab.
2016: 'Natural History in Word and Image (800-1600)'. Arts and Culture research master, Leiden University.
2012, 2013, 2014 'History of Biological Illustrations Workshop' Amsterdam University College.
Conrad Gessner's Historia piscium (1558), more information: Rare Fish Books


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When you are thinking of getting a used car, make sure to offer it an examination drive prior to you complete the transaction. You will have to take the cars and truck for a spin prior to you get. Be sure to examine the insurance policy papers of the automobile you are driving. When you fire the engine up, ensure to pay attention to its noise. It is always excellent if an automobile begins in one go. Many older cars take about a second to begin before to engine turns on. This is forgivable. As long as the engine appears healthy, it is risk free to think that it is in excellent condition. There are much more components to a cars and truck than simply the engine. Focus on such points as the pedals, the steering wheel and the gearbox. I the auto have had appropriate upkeep throughout its life; it ought to operate without much initiative on the driver's behalf.
If you understand that something about the car remains in a degenerative state, be sure to imagine lower prices. Never overpay on a used car. If the apex auto takes forever to get up to speed, this implies the engine is approaching the end of its life expectancy. Given that the engine is the heart of your car, you may think concerning relocating on to another used car. One more crucial facet of a used car is the brakes. If you tip down on them, the vehicle must involve a constant stop in as directly a line as feasible. If this is not the instance, you are considering a brake substitute in the future. So anticipate a reduced rate. When you are driving the automobile, allow the 'touch as well as really feel' of it sink in. Depend on your intuition to get an excellent keep reading the state of the vehicle.
You must ensure that you always inspect the fine print of any type of offers or agreements that you will certainly be authorizing. You do not want something, which was composed at the bottom of your trademark, to be the one point that you ignore which suggested that your automobile could not be taken care of for an inflated rate. These points do take place as well as you should check that everything is explained to you, both in the agreement with the supplier on buying the automobile, and additionally with the financing or money business with that you are authorizing to tackle the economic duty to pay the cash back.


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Add $20 to add two stakes to the 13" and 16 inch sizes. Sizes larger than 40" and up to 10 feet in diameter are custom made and and prices vary according to mounting hardware.
- Item #: CL-16
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- Extension for the Live Event Camera
- Internal Li-Ion Battery
- Powers/Charges Live Event Camera
- IPX4 Weather Resistance
- 10 Hours of Battery Life
- Ethernet Connection
- USB Modem/Power Output
- Full Charge in About 5 Hours
- Versatile Mounting Options
Ethernet connection
Use the Ethernet port to ensure a reliable connection while streaming your event.
LTE Ready
Plug in a 4G LTE modem to stream live anywhere with 4G LTE.
Power up
Charge your Mevo camera plus any USB accessory, including your iPhone.
Mount anywhere
Easily secures to the camera, enabling you to mount on mic stands, tripods and more.
We understand that sometimes you may need to return a product you have purchased from Vizcom Technologies. To assist you, we have set out the Vizcom Technologies Returns Policy in more detail under our terms and conditions page.
1. Australian Consumer Law
Our Returns Policy includes, and does not seek to exclude or limit, the rights you have under the Australian Consumer Law (if you are a consumer) and other relevant laws.
If you are a consumer under the Australian Consumer Law:
- Our goods come with guarantees that cannot be excluded under the Australian Consumer Law. You are entitled to a replacement or refund for a major failure and for compensation for any other reasonably foreseeable loss or damage. You are also entitled to have the goods repaired or replaced if the goods fail to be of acceptable quality and the failure does not amount to a major failure. For more information on product warranties please refer to the individual manufacturers warranty period.
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Teaching & Learning
Advanced Academics
What makes a child gifted and talented may not always be good grades in school, but a different way of looking at the world and learning.Chuck Grassley
Lake Worth ISD is committed to providing the most appropriate services for each of its students. Through the district's Gifted and Talented services, Advanced Placement, AVID, Dual Credit, and other enrichment programs our brightest, most able learners are provided enriched and differentiated instruction designed to challenge and encourage. LWISD offers our students opportunities to become critical thinkers, to grow academically and to emerge as tomorrow's leaders.


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The Fresh Market Careers and Employment
About us
See Why Join Us
When it comes to food, it's good to get fresh. The Fresh Market operates about 100 full-service upscale specialty grocery stores in some 20 US states, from Florida to Wisconsin. As the name suggests, the chain specializes in perishable goods (two-thirds of sales), including fruits and vegetables, meat, and seafood. The stores average 21,000 square feet, – more...
Greensboro North Carolina, United States
5,001 to 10,000
$1bn to $5bn (CAD)
See all 2,254 The Fresh Market reviews
A fun work place
It's a nice place to work, It did get really stressful at times but i learned to deal with and kept doing my job. If i had to go back i would try being a store clerk.
Friendly Coworkers.
Stressful like any other job. Got to deal with upset customers.
What are people saying about the leadership at The Fresh Market?
of employees approve of CEO's performance
CEO Approval is based on 945 ratings
See The Fresh Market reviews about management
Decent workplace, met new people
Overall the management was lacking, but other employees made the work experience worth while. The pay was good compared to minimum wage and what other grocery stores offered me, although a younger male was hired months after me without experience and was offered a higher wage which for obvious reasons was distressing to me and other employees both male - more...
What are people discussing at The Fresh Market?
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B Visas are designed for business travelers to enter the U.S. for business purposes and for tourists. The business traveler may request both a B 1 Visa for business and a B 2 Visa for pleasure. In practice, an immigrant may use an old tourist visa for a business trip if the trip is to be less than 3 months in length. The B Visa allows the applicant to enter the U.S. to conduct business including:
- Sales
- Discuss purchases or investments
- Attend meetings
- Interview and hire employees
- Conduct research
- Conduct negotiations
Some activities are not allowed under a B Visa including running a business, being paid by a U.S. based company, and participating in entertainment or sporting events as a professional. These activities are covered under other types of visas and are not allowed under the B Visa.
B Visas can be applied for in the native country through the U.S. Embassy or Consulate. You will need to supply sufficient evidence to support your application or it may be denied. The applicant must show that he or she has family or business ties that will ensure that they will return to their home at the end of the term of the visit.
There are two main types of B Visas including the B-1 and B-2. The B-1 Visa is considered a "visitor for business" visa while the B-2 Visa is a "visitor for pleasure" visa. The B-2 visa is designed for tourists.


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I would highly recommend Tammy to anyone looking for a home in the area, she is honest and is really just a great person. She was very knowledgeable and friendly. I can't thank her enough for helping us find our new home!
Tammy worked diligently to help us through our first time buying process. She gave us great advice, was honest and open, and showed wonderful patience throughout the process. I highly recommend utilizing Tammy Smithwick as a realtor!
Tammy was outstanding. While I was in Michigan, she helped sell my house in North Carolina. She was integral to the process, finding a buyer, and helping manage the repairs from the hurricane that had blown through a few months ago. She communicated very clearly and helped me manage my expectations throughout.
Couldn't have asked for a better real estate agent.


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Emily knew there would be strings attached when she relocated to the small town of Willow Creek, Maryland, for the summer to help her sister recover from an accident, but who could anticipate getting roped into volunteering for the local Renaissance Faire alongside her teenaged niece? Or that the irritating and inscrutable schoolteacher in charge of the volunteers would be so annoying that she finds it impossible to stop thinking about him? The faire is Simon's family legacy and from the start he makes clear he doesn't have time for Emily's lighthearted approach to life, her oddball Shakespeare conspiracy theories, or her endless suggestions for new acts to shake things up. Yet on the faire grounds he becomes a different person, flirting freely with Emily when she's in her revealing wench's costume. But is this attraction real, or just part of the characters they're portraying? This summer was only ever supposed to be a pit stop on the way to somewhere else for Emily, but soon she can't seem to shake the fantasy of establishing something more with Simon, or a permanent home of her own in Willow Creek.
A girl with a penchant for helping people, decides to join a renaissance faire to help out her niece. Little does she know that getting into character can help her as much as the audience.
🔥🔥🔥 out of 5 steam level
I read this book in less than 24 hours. It was so cute! I laughed a lot and found myself in love with the faire…I've never been to one but now I wanna go. Okay so maybe I don't wanna run there and go, but I would totally go if it was free and before I wouldn't have gone at all… so that's something right? I loved all of the wench jokes and will definitely be adding those to my vernacular.
Okay back to even more things I liked… I really enjoyed the sister relationship, and the aunt/niece relationship. I love a strong family in a book- so often in adult books the family relationships are strained and stressful, and I didn't really feel like that at all reading this book.
Shall we get to the main main of the novel? In the words of Lorelai Gilmore, "Let's shall!" I loved loved loved Simon! Did I mention I loved him? I did. He was adorable and complex. I was picturing the love interest in Austenland… which was not at all how he was described in the book, but I have a mind of my own and you can't stop me! Towards the end I tried to picture him as Captain Hook from Once Upon A Time and I think that's more what he's supposed to look like.
My biggest issue in the whole thing were the communication issues in the book… I loathe communication issues. I get it completely, it adds to the angst but at one point the main character says that she and Simon are really good at talking to each other. My reaction was literally "No you're not. Lies!" (It was, just check my kindle notes section!) However, as I'm writing this review I'm currently having a hard time deciding if that should subtract from my rating or not bc I really liked this book!
While this was a 3 steam, the description levels were on the low end. I recently had someone mention they appreciate a "swear beware" (I think I just made that phrase up but I love it)- there are f-bombs in this book. Overall vulgar language was at a minimum for romantic encounters but the overall vernacular did include some bombs in the F variety.
Do: Look up a renaissance faire near you!
AND: Plan a night out with your girl-friends!
Watch- Austenland or A Knight's Tale … Okay it should be Shakespeare related based off of this book but I'm not a fall of good ole Bill so…Austen and/or renaissance it is!
This book releases September 3, 2019!


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Ex-'Auntie Boss' actress Shiru and her husband Wainaina retrieve their marriage
Former "Auntie Boss" actress, Nice Wanjeri, popularly known as Shiru, and her husband Titus Wainaina have retrieved their marriage, which had recently ended temporarily.
Mr Wainana last Thursday (November 1) posted a message to his Facebook page, saying his marriage to the former "Aunty Boss" star had collapsed.
On the social media post, Titus Wainaina claimed that Ms Wanjeri was hardly at home to attend to her roles as a wife and mother.
"Why am I using Facebook [to break the news about my personal life]? My marriage is over. [It is] so painful, I swear! I saw it [break-up] coming, though. Success causes absenteeism, lack of bonding and a lack of family time. Why did I imagine we would last forever? We are both artists. It [collapsing of marriage] is normal. It doesn't work," said Mr Wainaina on Facebook.
The actress's husband, upon receiving flak from his followers for publicly sharing his personal marital problems, deleted the social media post.
And now Mr Wainaina has come out to claim that he was hasty in arriving at the decision to announce the break up.
Speaking to "The Star" newspaper recently, Mr Wainina said: "What I had said was past tense. It is best I sort of know exactly what is happening. I can't conclude now. Everything has its ups and downs and I think it's too soon to decide or know what is happening."
"Let's say yes [we have ironed out our issues]. At times not everything works. We have our ups and downs, which is normal. I may have acted out of the feelings I [had] at that time but it's something we are handling," added Mr Wainaina.
Ms Wanjeri is yet to address the whole issue.
Mr Wainaina and Ms Wanjeri, who have been together for over seven years, are parents to a young girl, whose name is Tasha.
Mr Wainaina is a musician and emcee.
The post Ex-'Auntie Boss' actress Shiru and her husband Wainaina retrieve their marriage appeared first on eDaily Kenya.
Source: eDaily Entertainment


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Antoinette Earrings- Swirly Violet
Antoinette Earrings- Swirly Violet
$ 65.00
New for Spring
I am thrilled with how this design turned out! These earrings are dressy enough to be worn as bridal jewelry, but also work with a cute top and jeans! These statement earrings are handmade in California.
You have options here: choose sterling silver or gold filled and also choose large or small. Pics of both sizes are shown
This beautiful swirly violet is truly one of a kind, each pair will be different. Clear glass is melted over the purple, creating little bubbles that sparkle in the sun. They are melted for over 14 hours in my kiln.
Large earrings measure 3 inches long, small are 1.5 inches long.
All of my work is handmade, slight variations in color and design is possible.
Other color options available, just message me!


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The Sommersby surname evolved from any of several places so named in Northern England. The place name comes from the Old Norse "saurr," meaning "ground," and "the Old English "byr," meaning farm.
The surname Sommersby was first found in Yorkshire where they held a family seat from very ancient times, as Lords of the manor of Sowerby and the parish, some say well before the Norman Conquest and the arrival of Duke William at Hastings in 1066 A.D. The name was spelled in the Domesday Book as Sorebi. It was recorded in the West Riding of Yorkshire, and was described as the "king's land" with two churches. It later gave it's name to Sowerby Bridge where Branwell Bronte was born.
This web page shows only a small excerpt of our Sommersby research. Another 108 words (8 lines of text) covering the years 1757, 1822 and 1699 are included under the topic Early Sommersby History in all our PDF Extended History products and printed products wherever possible.
The English language only became standardized in the last few centuries; therefore, spelling variations are common among early Anglo-Saxon names. As the form of the English language changed, even the spelling of literate people's names evolved. Sommersby has been recorded under many different variations, including Sowerby, Sowerbie, Sowersby, Sorebi, Soreby, Soureby, Sowerbutts, Sourbutts and many more.
Another 44 words (3 lines of text) are included under the topic Early Sommersby Notables in all our PDF Extended History products and printed products wherever possible.
For many English families, the political and religious disarray that shrouded England made the far away New World an attractive prospect. On cramped disease-ridden ships, thousands migrated to those British colonies that would eventually become Canada and the United States. Those hardy settlers that survived the journey often went on to make important contributions to the emerging nations in which they landed. Analysis of immigration records indicates that some of the first North American immigrants bore the name Sommersby or a variant listed above: Charles Sowerby who settled in Philadelphia in 1843; William Sowersby, who arrived in New York State in 1774; and Robert Sowersby, who settled in Texas in 1844..


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After scoring the opening goal, GB Deaf slumped to a 4-1 defeat at the hands of Germany in the European Championships in Bulgaria.
From the moment the ball was kicked off, GB imposed our presence and immediately started creating scoring chances, Newman, Malin and Evans putting in good work. At the other end, there were a few heart-stopping moments as the Germans created a few efforts of their own, one of which Waters made an excellent stop, only for the ball to bounce off her but the rebound was hit over the bar.
The opening goal of the match arrived in the 16th minute when a great ball was played through the middle towards Evans, who was on the half way line. She flicked the ball over, leaving the German defence flat-footed, letting Malin through to finish.
Not unexpectedly, the Germans then stepped up their attacking endeavour in an attempt to get back into the game. They were held at bay by solid defending but Gemma Sanders was booked for one challenge and from the resulting free kick the ball was chipped closely over the bar.
Soon after, Germany was awarded a soft penalty which was converted to level the score, while Evans was denied a spot-kick at the other end. To make things worse, just before the half-time whistle blew, there was a goalmouth scramble leading to the Germans going 2-1 up.
Half time arrived, and on the way to the tunnel the referee was given an ear-bashing by the local Bulgarians for her performance. Chris Gwynn gave his usual half time pep talk, instructing the girls to forget about the referee and to get on with the game.
On the hour mark, the GB defenders were caught out when the ball was put through the back four and found it way to the back of the net, making it 3-1.
Pushing up in an effort to pull one back, the defence then was caught out by a very high through ball, leaving a forward one-on-one with Waters to loop the ball home for a final score of 4-1.
GB's player of the match award went to April Malin, who played well considering it was her first international tournament and held her own well against the tough, experienced German defence.
Greece are GB's last opponents on Saturday but it has already been a good learning experienced for the new players in the squad, as they look toward the 2012 World Championships in Turkey.
GB Deaf: Carly Waters, Susanna Kenward, Gemma Sanders, Susan McKeown, Victoria Wenman, Mandy Tobin, Laura Wiseman, Sarah Page, Jodie Newman, Danielle Evans, April Malin.
Subs: Jessica Pert, Claire Stancliffe, Emma Brown, Lisa Nepean.
Source: www.britishdeaffootball.com
Photos: www.britishdeaffootball.com
Providing coverage of women's football from all around the world!


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Jan 2014
This classical Chinese course is free and open to all, and can be studied at one's own pace. It is intended for people who would like to learn how to read classical Chinese philosophy and history as expeditiously as possible. The professor, Mark Edward Lewis, is a specialist in early Chinese history. He is not a linguist, and offers no more discussion of grammatical particles and structures than is strictly necessary.


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For most of us, the uncertainty of the future looms in the foreground of our minds, in the face of the new pandemic as we wade through the muddy headlines pouring into our daily news feeds. I find myself fastened into the driver's seat of the automobile of my own anxieties, squeamishly yet cautiously and ever-so-steadily steering past the collisions of the crisis as I try to move forward, only to find myself unable to look away from the disaster always tailing just a few feet from behind me.
Each of us are faced with dealing with the uneasiness of the new "abnormal" and we all share one common denominator, across the globe, despite the differences in our individual circumstances, for better or worse-grappling with the new strange face of the unknown. My day to day moods have become a pendulum swing, under the influence of the overwhelming paranoia of endless handwashing and cleaning and my perseverance to remain "hopeful and resilient" yet all the while feeling powerless, a feeling that is recycled each and every day.
For those of us who are already prone to anxiety, the quarantine can exacerbate our apprehension, a rubber band that's already stretching beyond its limits. We squint to view the translucent line between keeping ourselves informed and tip toeing around the cliff plummeting down the black rabbit holes of never-ending information. One wrong news story can throw me off course for the entire day. Many of us who are among the anxious are already sensitive to the slight changes in the merry-go-round of our routines, and for us life has become increasingly more difficult as we try to go about our day to day in lieu of the rising death toll and intimidating new findings.
On Instagram, we are flooded with humorous memes masking the alarming concern that we all have. The truth is always funnier and sometimes it's easier to laugh than cry. With the click of a button, we are bombarded with new heart wrenching stories of those fighting on the frontlines and lives lost. As an introvert by nature, it can be easy for me to get lost in a torpedo of thought. Quarantine can easily begin to feel as though I'm stuck in "The Bell Jar" — even if I am introverted. In my experience, my loner nature doesn't make the quarantine any easier than anyone else who isn't.
I make a point to unplug from it all, at least every now and again, for the sake of feeling a sense of "normalcy" — I'm sure many of us have tried a variation of this for the sake of their own mental health. When I return from my breaks from reality, whether a day walking outside for the simple enjoyments of sunshine and being outdoors, the news stops me in my tracks. I read the latest news feeling detached from the intoxication of nature only to feel as one would while walking aloofly and accidentally tripping over a pothole on the sidewalk.
I now limit myself to just how much news I read and when. As the theories of "everything" pull me in with the ferocity of a tornado ripping apart every sense of security I've ever known, the quiet mantra I repeat to myself in whispers of "everything will be okay" is now replaced with, to quote Radiohead's Idioteque's lyrics "This is really happening, happening" — my former worries now appear now to be miniscule in comparison to the new onslaught of trepidation. On other days, it feels as though this is yet just another brick bearing down and pulling me further into another dark, dreary downward spiral. My mind — a ping pong ball, moving back and forth between the net of the two sides — one of which is comprised of the fragile quavering thoughts of "everything will be fine in time" in the croaky, shaky voice of my subconscious and on the other a frenzied, panic unsettled and plagued by "what ifs" scenarios.
It takes a toll for some of us to find the still place of our minds where we can be unphased, at least temporarily by the ills of the world in a steady stream of calm and it's okay to admit that. There are moments, however fleeting, where I feel as though I am nothing more than a sitting duck, waiting and biding my time, worrying for what the news refers to as the "invisible enemy" as I walk the tightrope of life thinking of all the days I squandered for granted in believing many others will soon follow with another chance to do x, y and z, pining over a time when life was alive, buzzing with the laughter and the chanting and noise of a living world.
It is important for us to acknowledge the smallest gestures of kindness, not only this month but every month, are what truly matter most now, for all of us are battling the ability to stay sane in a time of insanity, at a time when it feels though the world has gone off the rails. As we all find ways to distract ourselves from the creeping discomfort in our comfort zones and pass time, we have to remember to keep the flame of the hope, humanity and motivation burning, candles that will only help light the way out of one of the darkest chapters in our lives.


text: My son went to his first dance last night with a couple friends at his Junior high school. He spent the night with his best friend(since Kindergarten) and hasn't got back yet with any details. They have had other dances but with this one he suddenly felt like going. Probably some girl he likes was going. I need to leave the computer stop posting and do some housework before I leave for work. I'm so good at procrastinating. Myspace Comments @ 123glitter.com


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This week, Rebeekah L. Purdy's The Winter People, a young adult fantasy was released from Entangled Publising's Teen line. Both the book cover and its tag line "This winter the nights are about to get much darker…" promise danger and intrigue. This is one I'll be checking out sometime soon.
The Winter People by Rebekah L. Purdy
Publication Date: September 2, 2014
Genre: YA, Fantasy, Paranormal, Romance
Salome Montgomery fears winter—the cold, the snow, the ice, but most of all, the frozen pond she fell through as a child. Haunted by the voices and images of the strange beings that pulled her to safety, she hasn't forgotten their warning to "stay away." For eleven years, she has avoided the winter woods, the pond, and the darkness that lurks nearby. But when failing health takes her grandparents to Arizona, she is left in charge of maintaining their estate. This includes the "special gifts" that must be left at the back of the property.
Salome discovers she's a key player in a world she's tried for years to avoid. At the center of this world is the strange and beautiful Nevin, who she finds trespassing on her family's property. Cursed with dark secrets and knowledge of the creatures in the woods, he takes Salome's life in a new direction. A direction where she'll have to decide between her longtime crush, Colton, who could cure her fear of winter. Or Nevin, who, along with an appointed bodyguard, Gareth, protects her from the darkness that swirls in the snowy backdrop.
An evil that, given the chance, will kill her.


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Rite of Initiation
The Kalachakra Tantra - Rite of Initiation For the Stage of Generation – by the XIV Dalai Lama and Jeffrey Hopkins
A commentary on the text of Kay-drup-ge-lek-bel-sang-bo , and the text itself.
Kalachakra Tantra
A Commentary on the Kalachakra Tantra
— by Geshe Ngawang Dhargyey
Contains explanations and advice concerning the various commitments and initial practices.
Stainless Light
Ornament of Stainless Light - An Exposition of the Kalacakra Tantra — by Khedrup Norsang Gyatso (Library of Tibetan Classic - volume 14)
The Kalacakra texts present an amazingly detailed theory of cosmology and astronomy, especially about the movements of the various celestial bodies.
Introduction to the Kalachakra Initiation by Alexander Berzin
This work explains on a practical level and in everyday language the theory of tantra, the vows, commitments, and their implications.
Myriad Worlds
Myriad Worlds — by Jamgon Kongtrul - The Treasury of Knowledge - Volume 1
Describes four major cosmological systems found in the Tibetan tradition - those associated with the Hinayana, Mahayana, Kalachakra and Dzogchen teachings - each more subtle and profound than the last.
Highest Yoga Tantra
Highest Yoga Tantra - An Introduction to the Esoteric Buddhism of Tibet — by Daniel Cozort
This extraordinary book clearly outlines and discusses the methods for transforming both body and mind through the highest forms of tantric practice.


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|Alfredo De Villa on Adrift In Manhattan
|Written by NaRhee Ahn
|Friday, 12 October 2007 01:13
Alfredo De Villa, SoA '98, discusses his latest feature, Adrift In Manhattan, starring Heather Graham
CUE: Congratulations on your theatrical release of ADRIFT IN MANHATTAN. Tell us the story of how the film was conceived, produced and distributed. Which production personnel were also Columbia alumni?
ADV: The film was conceived initially as personal response to my first feature film, WASHINGTON HEIGHTS. As you often do with your first films, I traveled widely (the film went onto to 50+ film festivals around the world) with it and saw it with a variety of different audiences. I realize that my favorite parts of the film were those where very little happened, where you were just experiencing the emotions and the characters. I thought to build an entire feature story from a component of such moments. Could a collection of those moments build to something greater than the moments?
Nat Moss, who I met at Columbia Film School (he didn't finish the program, but participated during the first two years) set to write the script. He and I had worked on WASHINGTON HEIGHTS. We quickly sent the final script to another Columbia Grad, Scott Foster, who, eventually, would become our coproducer. Via Scott we got the script to UTA and Steve Brown, who raised the financing and became the primary producer. We first attached Heather Graham and Elizabeth Peña, then went to Victor Rasuk, Billy Baldwin and Dominic Chianese.
Production happened during February of 2006. We had edited the picture by July of that same year. We found out early that we got into the Sundance Film Festival and waited to premiere the film at the 2007 edition of the Sundance Film Festival. We were lucky and sold the film a week after the festival to a company called Screen Media Films.
CUE: What were some of the most difficult aspects and lessons you learned from your experience?
ADV: One of the most difficult aspects of making the film was that the screenplay, as conceived, was risky because there were no explosions and it contained a very risky sex scene. It was both difficult from the financing, production and creative point-of-view. It was a big risk for me as a director, a big risk for Heather Graham as an actress and a huge financial risk from the investors. Even when the film costs substantially less than a typical feature film, the script was dark, small and risky. It was incredibly dependent on execution.
I did the film because I had to. The theme and style of the film was with me for a very long time and I had to explore it. It is hard to pin-point a reason why I have to do a film, but I knew, once I finished, I felt like I was ready for an entirely different experience. But the most and, perhaps, the best lesson learned from making and promoting this film came from the promotional side. The film posits a challenge to movie-goers; it's not an easy film to watch. I found out it connected to many viewers in a strong emotional sense. I also found that, most unfortunately, the press had no idea how to watch it.
CUE: What was the highlight of your journey with the film?
ADV: Shooting it and editing. I just followed my gut when I shot it and had no idea what I had until we put it together.
CUE: If you could give young filmmakers any piece of advice, what would that be?
ADV: Stick to your vision. Make a story that has powerful emotional connection to who you are. Stay within the limits of reality. I don't mean avoid fantasy-driven genres like horror and Sci Fi, but make sure your observations are always rooted in reality. And keep working. After your finish shooting a film, start thinking about the next one. Every one will try to discourage you; the business will try to crush you. But just keep moving.
CUE: Tell us a little about your next project.
ADV: There are three different scripts, out of which one will probably go. One is about the tragic fate of two Mexican-American singers who sang rap-style ballads about powerful Northwestern drug-dealers in Mexico. The mafia killed the father in 1994 and, 10 years later, the son. The other script is about the incredible journey of this elderly couple on the run from the law. And, lastly, I'm working on a story about the escape of the then-guerrilla group called Los Tupamaros (who have since become a legit political party) from the high-security prison of Uruguay. 110 Tupamaros dug deep under the prison and escaped, leading to one of the worst violent and repressive backlashes from a right wing government. Can we live under such circumstances?
CUE: What are you most looking forward to in taking your next step?
ADV: Selfishly, as a Director, my next step is to find a simpler and clearer style to tell a story. I'm looking for scripts that have a simple, defined premise from which to build an emotional journey.
Adrift in Mahnattan opens in select venues September 21, 2007. Official site: adriftinmanhattan.net.


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Kentucky VA Mortgage Loans
What are VA Home Loans?
VA Loans provide military veterans and current service members a distinct advantage when it comes time to purchase or refinance a home. Today's VA Loans have the most favorable terms available for most veterans. VA Loans can be used to purchase a new home with no down payment with no mortgage insurance or refinance up to 90% of homes current equity.
What are the eligibility requirements for a VA Loan in Kentucky?
Veterans Affairs loan guidelines use two methods of income qualification in Kentucky. The residual income method is the primary method, where it is determined that the borrower has sufficient income to cover daily living costs once housing, taxes, insurance and all other liabilities like credit card and auto payments have been made. Additionally, VA loans use a debt to income ratio (DTI). Using this ratio, the veteran's total debt should not exceed 41% of the veteran's total income. Most lenders will require at least a 580 to 620 credit score for a VA Loan approval. Keep in mind, VA guidelines do not call for a credit score but most lenders institute minimum credit score overlay to protect from buybacks from VA loans if they have too many go into foreclosure
How much can I borrow?
The maximum Kentucky VA Mortgage amount is determined by:
Maximum VA Loan in Kentucky: The largest loan allowed for VA mortgages with zero down is $484,500 in KY. Please refer to the Kentucky VA Loan Limit chart at the bottom of this page to see your area's limit.
Maximum Finance: For purchase transactions, the Maximum VA Loan will be 100% of the lower of the selling price or the appraised value.
What will the down payment and closing costs be?
no down payment required and closing costs vary from lender to lender and usually is based upon the loan amount, credit score, time to close (lock period) and whether or not you get a par rate or a higher rate with a lender credit to pay some of your closing costs at closing.
What property types are allowed for VA Loans in Kentucky?
VA Loans may be used to purchase or refinance single-family residences and VA approved condo projects if the property is the veteran's primary residence.
Can I do a VA refinance in Kentucky?
Three kinds of VA Refinance programs are available for veterans in Kentucky.
Rate/Term VA Refinance
The Rate/Term VA Refinance can be used to refinance a conventional, FHA or subprime mortgage into a stable, fixed rate VA Loan.
VA Cash-Out Refinance
A Cash-Out VA Refinance is very beneficial for the veteran who wants to access the equity that they have built up in their home. VA Loans can be used to refinance up to 90% of a homes current value and take cash out for any reason.
Streamline Refinance
The VA Streamline Refinance is designed to lower the interest rate on a current VA mortgage or convert a current VA adjustable rate mortgage into a fixed rate. A VA Streamline Refinance Loan can be performed quickly and easily. It requires much less hassle and paperwork than a normal refinance including no appraisal, no qualifying debt ratios and no income verification.
How much can I refinance in Kentucky?
The maximum amount for an KY VA loan is determined by:
Maximum VA Loan in Kentucky: The largest loan allowed for a VA Mortgage varies from county to county. The highest maximum VA Mortgage right now is $1,094,625. The lowest maximum VA Mortgage amount available in any county is $484,500. To see what the limit is in the county in which you're interested, visit the following page
https://www.benefits.va.gov/HOMELOANS/purchaseco_loan_limits.asp. This site lists U.S. territories as well as states.
Maximum Finance: In Kentucky, The maximum VA refinance loan amount will be 100% of the appraised value of the home for a rate/term refinance or 100% of the appraised value for a VA cash out refinance.
What factors determine if I am eligible for a VA Refinance Loan?
VA refinance loans use two methods for income qualification purposes in Kentucky. The residual income method is the primary method, where it is determined that the borrower has sufficient income to cover daily living costs once housing, taxes, insurance and all other liabilities like credit card and auto payments have been made. Additionally, VA loans use a debt to income ratio (DTI). Using this ratio, the veteran's total debt should not exceed 41% of the veteran's total income. Most lenders will require at least a 620 credit score for a VA Loan approval.
Why choose a VA Home Loan?
Kentucky VA Mortgages require no down payment.
There are no prepayment penalties for VA Home Loans.
An Kentucky VA Loan is fully assumable, provided the person assuming is qualified.
VA Mortgage Loans have no PMI premiums.
A VA Mortgage Loan is eligible for non-credit qualifying, Streamline Refinance or "IRRRL".
A VA Home Mortgage is available all areas of the country, provided a market exists for the property and the home meets VA's property standards.
A VA Home Loan may be used to purchase or refinance a new or existing home.
Kentucky VA Loans are offered at terms of 15 or 30 years.
VA Refinance Questions Answers
1. What are the guidelines for a Kentucky VA Refinance?
If the borrower wishes to take cash out of the property, then the maximum financing amount is 90% of the appraised value, depending on the borrowers qualifications. If the borrower does not take cash out then the maximum financing will be 100% of the appraised value of the home or the amount you are refinancing plus closing costs, whichever is lower.
2. Why should I consider refinancing into a Kentucky VA-insured mortgage?
Kentucky VA refinance mortgages do not come with prepayment penalties, have no teaser rates nor balloon payments. They are offered at market rate with terms up to 30 years and are fully amortized, meaning that you pay towards principal and interest every month.
3. What if I have a prepayment penalty and other refinancing costs and there isn't enough equity in my home to refinance?
If you do not have sufficient equity in your home to add your prepayment penalty and/or other refinancing costs into your new VA mortgage, then you should ask your current lender to consider a second mortgage to pay the difference or a short payoff on your existing loan. Offering either of these options is at the discretion of the lender.
4. Does it matter that the value of my home is now less than what I still owe?
Not to Kentucky VA, but the current mortgage lender considering the refinance would have to be willing to accept a short payoff on the existing loan OR to hold a second mortgage to make up the difference needed to pay off the existing mortgage and the home's value.
5. I have already obtained one Kentucky VA loan. Can I get another one?
Yes, your eligibility is reusable depending on the circumstances. Normally, if you have paid off your prior VA loan and disposed of the property, you can have your used eligibility restored for additional use. Also, on a one-time only basis, you may have your eligibility restored if your prior VA loan has been paid in full but you still own the property.
6. Only a portion of my eligibility is available at this time because my prior loan has not been paid in full even though I don't own the property anymore. Can I still obtain a VA guaranteed home loan?
Yes, depending on the circumstances. If a veteran has already used a portion of his or her eligibility and the used portion cannot yet be restored, any partial remaining eligibility would be available for use. The veteran would have to discuss with a lender whether the remaining balance would be sufficient for the loan amount sought and whether any down payment would be required.
7. Is the surviving spouse of a deceased veteran eligible for the home loan benefit?
The unmarried surviving spouse of a veteran who died on active duty or as the result of a service-connected disability is eligible for the home loan benefit. If you wish to make an application for the home loan benefit as a surviving spouse, please contact us.
Be aware that the lender charges interest, in addition to closing fees and charges. Here are some general rules:
- The lender, not VA, sets the interest rate, discount points, and closing costs. These rates may vary from lender to lender
- Closing costs such as the VA appraisal, credit report, state and local taxes, and recording fees may be paid by the purchaser, the seller, or shared
- The seller can pay for some closing costs. (Under our rules, a seller's "concessions" can't exceed 4% of the loan. But only some types of costs fall under this 4% rule. Examples are: payment of pre-paid closing costs, VA funding fee, payoff of credit balances or judgments for the Veteran, and funds for temporary "buydowns." Payment of discount points is not subject to the 4% limit.)
- You are not allowed to pay for the termite report, unless the loan is a refinance. That fee is usually paid by the seller.
- No commissions, brokerage fees, or "buyer broker" fees may be charged to the Veteran buyer
Adding the VA Funding Fee and other loans costs to your loan may result in a situation in which you owe more than the fair market value of the house, and will reduce the benefit of refinancing since your payment will not be lowered as much as it could be. Also, you could have difficulty selling the house for enough to pay off your loan balance.
Loan Limits
VA does not set a cap on how much you can borrow to finance your home. However, there are limits on the amount of liability VA can assume, which usually affects the amount of money an institution will lend you. The loan limits are the amount a qualified Veteran with full entitlement may be able to borrow without making a downpayment. These loan limits vary by county, since the value of a house depends in part on its location.
The basic entitlement available to each eligible Veteran is $36,000. Lenders will generally loan up to 4 times a Veteran's available entitlement without a down payment, provided the Veteran is income and credit qualified and the property appraises for the asking price.
VA Funding Fee Explained
The VA Funding Fee is paid directly to the Department of Veterans Affairs and is the reason they can guarantee this no-money-down loan program. This fee is paid so that VA eligible borrowers can enjoy loan benefits such as $0 down financing and no PMI payments.
VA Funding Fee Chart
The Funding Fee is calculated by looking at 5 different factors: Loan amount, loan type (Purchase or Refinance), type of service, down payment (if any) and prior VA loan use. Take a look at the charts below to see how the va funding fee varies based on these factors.
The VA funding fee is calculated as a percentage of the total loan amount. It must be paid or rolled into the loan at closing time. VA strongly recommends that you verify with your lender that the funding fee matches your military service.
In Public Law 116-23, Congress has established rates for loans closed on or after January 1, 2020, and before January 1, 2022 at the levels listed below:
The following do NOT pay the VA funding fee:
• Veteran receiving VA compensation for a service-connected disability;
• Veteran entitled to receive VA compensation for a service-connected disability, but receives retirement pay or active service pay;
• Surviving spouse of a Veteran who died in active service or from a service-connected disability;
• Servicemember on Active Duty who provides, on or before date of loan closing, evidence of having been awarded the Purple Heart.
VA Loans require no down payment and allow you to qualify for a more expensive home. Plus, today mortgage rates on VA loans are very low, making homes even more affordable.
The VA doesn't actually make loans. Instead, it insures loans so that if buyers default for some reason, the lenders will get their money. This encourages lenders to give mortgages to people who might not otherwise qualify for a loan.
VA Home Mortgage Loan Advantages vs Other Mortgage Loan OptionsVA home loans do not require a down payment, unless the purchase price is more than the appraised value or in excess of current loan limits.
VA home loans have limitations on which closing costs may be assessed to the veteran.
VA home loans have no prepaid without penalty.
Maximum (zero down) VA loan has increased to match conforming loans!
VA home loans may have forbearance extended to worthy VA homeowners experiencing temporary financial difficulty
VA performs personal loan servicing and offers financial counseling to help veterans avoid losing their homes during temporary financial difficulties
Rates are competitive with conventional loan interest rates.
VA home loans do not require mortgage insurance premiums.
Although there is no down payment required – There are still lender closing costs, but the seller usually pays ALL of the veteran's closing costs (and with a $0 down payment, the veteran can literally purchase a home for nothing).
VA FastTrack IRRRL Streamline Refinance
We are sensitive to the needs of our American Veterans. But before you get a VA loan, you will need a Certificate of Eligibility and your DD-214. If you do not have one, or cannot find it, you must contact the VA to get one. Click HERE for details on how to obtain these forms.
Income Guidelines for VA Home Loans
When buying a home in Kentucky, the VA still requires a borrower to have sufficient and adequate income to cover the repayment of the mortgage. Before a borrower can be approved for a Kentucky VA home mortgage loan, the stability of income and the continuance of the borrower's income must be established through acceptable sources of income, the borrower's past employment record, and the employer's confirmation of continued employment must be established.
Stability of a person's income is generally derived from their employment history. VA requires verification for the previous two full years and must be documented through lender verifications of previous employment or W-2′s. This income must be analyzed to determine whether it can be expected to continue through the first 3 years of the mortgage loan (if the borrower intends to retire during this period, the expected retirement income, social security benefits, etc. should be used). Any gaps in employment must be reasonably explained by the borrower. Schooling or education for the borrower's profession (e.g. nursing school) can be counted towards the 2 year requirement. Allowances for seasonal employment, such as is typical in the building trades for example, may be used.
An "Interest Rate Reduction Refinance Loan" (IRRRL) or Streamline Refinance allows Veterans to refinance their current mortgage interest rate to a lower rate than they are currently paying. This program is only available to veterans who are refinancing their original VA mortgage in which they utilized their original eligibility.
Loan Conditions:
■The VA charges ½ percent funding fee to guarantee the IRRRL Loan.
■There is no cash out on an IRRRL loan.
■The loan being refinanced must be current and have a perfect pay history for the last 12 months.
■2nd mortgages cannot be included and must subordinate.
■No assumptions are allowed.
■This loan can be done with "no out of pocket money" by including all costs in the new loan or by making the new loan at an interest rate high enough to enable the lender to pay the costs.
VA Cash-Out Refinance
Cash-out refinances on properties owned more than one year prior to the refinance are permitted on owner occupied principal residences only, and are limited to 90% of the appraised value plus the allowable closing costs.
A cash-out refinance is when a borrower refinances their current mortgage for more than they owe in order to pull out the built up equity that has accrued in the home. The amount a home owner can borrower is limited by the value of the property compared to the loan amount (otherwise known as the loan-to-value or LTV).
The following are basic requirements of a cash-out VA refinance loan:
■If the property was purchased less than one year preceding the refinance, the borrower is allowed to refinance up to 90% of the original sales price plus the allowable new closing costs or the appraised value plus the allowable closing costs (whichever is lesser)
■If the property was purchased more than one year preceding the refinance, the borrower can cash-out 90% of the the appraised value plus the allowable closing costs
■Applies to owner occupied properties only
■2nd mortgages may be paid off with the cash-out refinance (the second mortgage must be at least 12 months old)
■Loan amounts may not exceed 90% of the appraised value.
■The borrower must have sufficient entitlement for the loan (not including any existing entitlement that was used for loans to be paid off by the refinance
■There must be a first lien against the property
■If the new loan is to refinance an existing mortgage to buy out an ex-spouse's equity, a divorce decree or settlement agreement must be provided to document the equity awarded to the ex-spouse
■All borrowers must credit qualify
■A funding fee of 3.00% will be added to the loan amount at time of closing (there are no refunds for previous funding fees assessed by the VA).
■Borrower may receive cash proceeds at closing
■Maximum loan term is 30 years plus 32 days
Related articles
■VA Home Loan Centers Announces Summer Stimulus Offer (prweb.com)
■Louisville Kentucky VA Mortgage and home loan Program Quick Reference (louisvillekymortgage.net)
■Tips From A VA Loan Mortgage Expert (prweb.com)
■LowVARates Advocates for Overseas Military (prweb.com)
■Overseas Military May Miss Out On Low VA Loan Interest Rates (prweb.com)
VA Mortgage Loan Checklist
The following is a list of documents that may be required to process your VA mortgage loan:
•One full month's worth of pay stubs
•Last 2 years W-2's
•If self employed: Last 2 years tax returns with all schedules (if you are using commission, dividend or rental income to qualify then you will also need to provide your tax returns)
•Address and phone number of all employers for the last two years.
•Address and phone number for all landlords for the last two years.
•Copy of your DD214
•Your Original VA Certificate of Eligibility (we can help you get this if needed)
•Copies of social security, pension, and/or retirement award letters (if applicable)
•Last two months bank statements for all accounts
•Documentation to support your funds to close
•Explanation for any derogatory credit (if applicable)
•Bankruptcy and discharge paperwork (if applicable)
•Divorce decree and settlement paperwork (if applicable)
IRRRL stands for Interest Rate Reduction Refinancing Loan. You may see it referred to as a "Streamline" or a "VA to VA." Except when refinancing an existing Louisville VA guaranteed adjustable rate mortgage (ARM) to a fixed rate, it must result in a lower interest rate. When refinancing from an existing VA ARM loan to a fixed rate, the interest rate may increase.
No appraisal or credit underwriting package is required by VA. You should be aware, however, that lenders may require an appraisal and credit report anyway.
certificate of eligibility is not required. Your lender may use our e-mail confirmation procedure for interest rate reduction refinance in lieu of a certificate of eligibility.
An IRRRL may be done with "no money out of pocket" by including all costs in the new loan or by making the new loan at an interest rate high enough to enable the lender to pay the costs. (Remember: The interest rate on the new loan must be lower than the rate on the old loan unless you refinance an ARM to a fixed rate mortgage).
No lender is required to make you an IRRRL, however, any lender of your choice may process your application for an IRRRL. While it might be the best place to start shopping for an IRRRL, you do not have to go to the lender you make your payments to now or to the lender from whom you originally obtained your VA Loan.
Some lenders may say that VA requires certain closing costs to be charged and included in the loan. Remember - The only cost required by VA is a funding fee of one-half of one percent of the loan amount which may be paid in cash or included in the loan.
You must NOT receive any cash from the loan proceeds.
An IRRRL can be done only if you have already used your eligibility for a Louisville VA loan on the property you intend to refinance. It must be a VA to VA refinance, and it will reuse the entitlement you originally used. You may have used your entitlement by obtaining a Louisville VA loan when you bought your house, or by substituting your eligibility for that of the seller, if you assumed the loan. If you have your Certificate of Eligibility, take it to the lender to show the prior use of your entitlement.
The occupancy requirement for an IRRRL is different from other Louisville VA loans. When you originally got your Louisville VA loan, you certified that you occupied or intended to occupy the home. For an IRRRL you need only certify that you previously occupied it.
The loan may not exceed the sum of the outstanding balance on the existing Louisville KY VA loan, plus allowable fees and closing costs, including funding fee and up to 2 discount points. You may also add up to $6,000 of energy efficiency improvements into the loan.
NOTE: Adding all of these items into your loan may result in a situation in which you owe more than the fair market value of the house, and will reduce the benefit of refinancing since your payment will not be lowered as much as it could be. Also, you could have difficulty selling the house for enough to pay off your loan balance.
Some lenders offer IRRRLs as an opportunity to reduce the term of your loan from 30 years to 15 years. While this can save you a lot of money in interest over the life of the loan, if the reduction in the interest rate is not at least one percent (two percent is better) and lots of new loan costs are rolled into the new loan, you may see a very large increase in your monthly payment.
Beware: It could be a bigger increase than you can afford
No loan other than the existing VA loan may be paid from the proceeds of an IRRRL. If you have a second mortgage, the holder must agree to subordinate that lien so that your new Louisville KY VA loan will be a first mortgage.
VA Loan Eligibility
What is the VA Loan entitlement?
Veterans, service members and others who qualify have what is called an entitlement, which is basically a promise from the Department of Veterans Affairs to provide a financial guaranty on a mortgage issued by one of its approved lenders. The VA doesn't issue home loans. Instead, it guarantees a portion of each. That guaranty is important to lenders and helps borrowers who might otherwise struggle to secure financing. Having a VA entitlement means you have a financial guaranty from the Department of Veterans Affairs.
Am I eligible as a spouse of a deceased veteran?
VA loans are available to some non-military personnel, including both unmarried and remarried spouses. An unmarried spouse whose veteran died on active duty or because of a disability connected to his or her service is eligible for VA home loan benefits.
Surviving spouses who obtained a VA loan with the veteran before his or her death can also obtain a VA Interest Rate Reduction Refinance Loan, better known as a VA Streamline refinance. Surviving spouses who remarried upon or after turning age 57 and on or after December 16, 2003, may be eligible for a VA home loan. Surviving spouses who remarried before that date are no longer eligible to participate.
The spouse of an active duty member who is listed as missing in action (MIA) or a prisoner of war (POW) for at least 90 days is eligible for one-time use of the VA home loan benefit.
How can I get my Certificate of Eligibility?
The Certificate of Eligibility is a formal VA document that certifies what entitlement, if any, a military member has for a VA home loan. Obtaining the Certificate of Eligibility is a crucial step in the process. This is the only verifiable way to determine a veteran's eligibility and entitlement. Without a Certificate of Eligibility, prospective borrowers cannot complete the lending process. Veterans can obtain their Certificate of Eligibility directly from the VA, which typically takes a few weeks. Veterans United Home Loans uses an automated system to get your Certificate of Eligibility in minutes.
Who is eligible for the VA Loan?
There are basic eligibility requirements for veterans and service members, along with members of the Reserves, the National Guard and surviving spouses.
You May Be Eligible for a VA Loan If Any One of the Following are True:
• You served 181 days during peacetime (Active Duty)
• You served 90 days during war time (Active Duty)
• You served 6 years in the Reserves or National Guard
• You are the spouse of a service member who died in the line of duty or because of a service-connected disability.
The only way to verify a veteran's eligibility for a VA loan is to obtain a Certificate of Eligibility. Veterans can obtain their Certificate of Eligibility directly from the VA, which typically takes a few weeks. Veterans United Home Loans uses an automated system to get your Certificate of Eligibility in minutes.
It's important to remember that not everyone eligible for a VA loan ultimately secures one. Prospective borrowers still have to satisfy credit and underwriting standards set by both the VA and the lender.
What is the difference between eligibility and prequalification?
Not everyone eligible for a VA loan ultimately secures one. Prospective borrowers still have to satisfy credit and underwriting standards set by both the VA and the lender. Getting prequalified for a loan is a basic step that borrowers can complete online or over the phone. This step gives veterans a sense of their purchasing power and lays the foundation for the credit and underwriting process. But it is only a first step. Veterans with sufficient credit scores will move toward loan preapproval, which is a more formal stage desired by home sellers and real estate agents.
How do basic and bonus entitlements work?
Basic Allowance for Housing, formerly known as Basic Allowance for Quarters, is a key asset that can help service members qualify for and afford a VA mortgage. This monthly housing allowance can be counted as income provided it's stable and likely to continue. The same is true for other military allowances and forms of bonus pay. Lenders have to make sure the payments are reliable and consistent. Qualified borrowers can use BAH to cover some or all of their monthly mortgage payment.
How do I restore my entitlement once I pay off my previous VA Loan?
Veterans who want to fully restore their entitlement after paying off their VA loan can seek a full restoration of their entitlement. The most common example is when a borrower sells their home and uses the sale proceeds to pay off their original mortgage. At that point, the veteran's previously used entitlement is no longer tied up in the original home. Veterans then have to fill out a VA form and submit documentation to the agency.
What is 2nd Tier Entitlement?
Qualified borrowers have two layers of entitlement. Together, the first tier and the second tier combine to create the VA guaranty. The second, additional layer of entitlement can help borrowers who have experienced foreclosures or other major problems with VA loans. Thanks to second-tier entitlement, even a veteran who defaults on a VA loan can still purchase again. It's important to note that on a second-tier entitlement purchase, there's a minimum loan amount of $144,000.
Can I use the VA Loan for a second home or rental properties?
No. The VA Loan is designed only for primary residences that are occupied by the owners of the properties.
VA Loan Qualification
Who sets the VA Loan guidelines, the VA or my lender?
The VA sets broad requirements and guidelines for military borrowers. There are no income requirements or credit requirements to participate in the VA Loan Guaranty program. The VA simply requires that borrowers represent a satisfactory credit risk. But VA lenders ultimately issue the loans, and they have their own unique requirements, especially when it comes to credit scores. So prospective borrowers have to satisfy both the VA and the agency's approved lenders in order to secure home financing.
If I have bad credit, can I still get a VA Loan?
In today's economic climate, VA lenders are looking for solid credit scores. Lenders will determine at the outset whether your credit score meets its benchmark. But veterans whose score falls short shouldn't lose hope. We have an entire department dedicated to helping people raise their credit scores and prequalify for the loan they deserve. Our Department of Secondary Approval works one-on-one with veterans, providing simple and concrete steps to boosting their financial health. Best of all, it's absolutely free.
Can someone else sign on the loan with me?
Veterans and service members can have someone sign on the loan with them, although there are certain restrictions. For a VA loan, that other person, known as a co-borrower, must be either a spouse or another veteran. Parents, friends and significant others who don't fall under one of those two headings cannot be a co-borrower on a VA loan. Married veterans can obtain a VA loan on their own, but if they live in a community property state, their spouse's active debt and income will be factored into the loan application.
What income can I use to qualify for a VA Loan?
VA-approved lenders have to make sure prospective borrowers have enough steady income to meet their monthly expenses, including a new mortgage payment. Lenders are generally looking for at least two years of stable employment and income from the same employer and job type. Reliable, documented income can be included from a host of sources, including:
• Base pay & allowances
• Non-military employment
• Retirement income
• Self-Employment
• Commissions
• Rental income
• A spouse's income
• Alimony/child care
To count income from overtime work, part-time jobs, second jobs and bonuses, veterans need to show that same two-year period of stability. Veterans who are self-employed or who make a living in the building trades, doing seasonal work or working mostly on commission have some additional paperwork hurdles to face. Tax returns for the previous two years will be essential in verifying income.
How long do I have to wait after bankruptcy to get a VA Loan?
A bankruptcy or foreclosure doesn't automatically disqualify you from getting a VA loan. But a lot of it depends on when the event occurred. In most cases, veterans will not be able to secure VA financing for two years after a bankruptcy or foreclosure. The VA has some exceptions that allow military members to participate in the program before that two-year mark. But, remember that VA-approved lenders, and not the VA, ultimately issue the loan. Lenders have more stringent standards that rise above the VA's requirements. And that means there's almost no way for a borrower to secure financing for at least two years.
Do I need my tax returns to apply for a VA Loan?
Lenders will file paperwork with the IRS to obtain tax records for prospective borrowers. This information plays a crucial role in determining a veteran's financial health and ability to handle the fiscal responsibilities associated with homeownership. Veterans can help speed through the process by having that information on hand, but it isn't necessary.
Rates and Loan Costs
What fees should I expect to pay for my VA Loan?
The VA has cap on the fees that veterans can pay to obtain a VA loan. Generally, VA lenders are allowed to charge a 1 percent origination fee, plus another percent to cover administrative and other costs. On a VA loan, sellers can pay up to 6 percent of the loan amount in closing costs and concessions. The one charge most VA borrowers can't escape is the VA Funding Fee, a mandatory cost that helps keep the home loan program running. Borrowers with service-connected disabilities can receive an exemption from the VA Funding Fee.
What is the VA Funding Fee, and how do I calculate it?
The VA Funding Fee is a mandatory fee applied to both purchase and refinance loans. It helps keep the home loan program running. The fee is a percentage of the loan amount, and it changes depending on several factors, including whether it's a purchase or a refinance, how many VA loans you've had in the past and the type of military service. You can see the full breakdown and even calculate your exact fee by visiting VAFundingFee.com.
How are rates for VA Loans determined?
Mortgage rates are shaped by a host of economic factors. Lenders set their rates based on what's happening in the bond market and in the greater financial landscape. Interest rates change constantly, often multiple times per day, which is why it's important to talk with your loan officer about when to lock in your rate. As with other lending products, military members with excellent credit can secure better interest rates and loan terms than those with less sterling credit. But, in general, VA loans have consistently lower rates than conventional loans.
Does the VA Loan offer adjustable rates?
Veterans can explore adjustable rate mortgage options with a VA loan. Today, the most common ARM for VA borrowers is either a 3/1 or 5/1 Hybrid, where the borrower gets a fixed interest rate for the first three or five years of the loan term. A low interest rate during those first few years can make a huge difference for veterans who might need cash to pay off other debts or obligations. ARMs are also a potential option for service members who only plan to stay in their homes for three to five years. Not every VA-approved lender offers ARMs. Many states require lenders to have additional compliance disclosures and counseling initiatives in order to satisfy government requirements.
Does my credit score affect my VA Loan rate?
Your credit score plays an important role in determining your mortgage rate. Prospective borrowers with solid credit can expect lower rates and better terms than those with fair to middling scores. The VA requires borrowers to be a satisfactory credit risk in order to qualify for a government-backed loan. VA lenders have their own additional requirements and, in the current lending climate, will pay close attention to an applicant's score. It's more important than ever to get a handle on your credit profile, get caught up on any outstanding debts and responsibly use credit. Put yourself in the best position possible when it comes time to start the home-buying process.
VA Loan Guidelines
Can I borrow more than the value of my home with a VA loan?
On a VA purchase loan, veterans can borrow up to the appraised value of the home, plus some costs and fees associated with the loan. Homebuyers interested in making their home more energy efficient can add up to $6,000 in improvements through an Energy Efficient Mortgage. On a VA Cash-Out Refinance, we can help homeowners refinance up to 100 percent of their home's value. Homeowners can use that cash to pay bills, renovate their home and other key uses.
Can I have more than one VA loan at a time?
Your VA entitlement isn't a one-time benefit. Borrowers who qualify can utilize their VA home loan benefits over and over. Most veterans will only ever have one VA-backed mortgage at a time. But there are unique situations where veterans can have more than one VA loan at one time. Most of those circumstances are related to relocation needs, including deployments and jobs. But it's important to remember that VA loans are for primary residences. You can't use your home loan benefits to purchase investment properties or businesses.
How complicated is VA financing?
As the nation's leading dedicated VA lender, we've worked hard to make the VA loan process as simple and streamlined as possible. VA loans have less stringent requirements than other lending programs, and that's one of the key benefits for veterans and active duty personnel. Prospective borrowers have to meet basic financial and credit-related benchmarks to satisfy both the VA and the lender. Veterans receive a financial guaranty from the VA, and that guaranty gives lenders the confidence to issue no-down payment loans with great rates and terms.
When purchasing a home, does the VA Loan allow for cash back options?
The VA has two major refinance programs. One of them, the Cash-Out Refinance, helps homeowners extract cash from their home's equity while obtaining a lower interest rate. We can help veterans refinance up to 100 percent of their home's appraised value. Most lenders are currently capped at 90 percent. The process for obtaining a Cash-Out Refinance is similar to the process borrowers go through for a VA purchase loan. Veterans with a conventional or FHA mortgage can refinance into a VA loan using the Cash-Out program.
What is the maximum VA Home Loan?
Contrary to what you might have read or heard, there isn't a maximum loan amount on a VA loan. But there is a maximum amount the VA will guaranty without the borrower having some manner of down payment. That's what industry people are referring to when they talk about VA loan limits.
Can I borrow extra money to make home improvements?
VA borrowers can add up to $6,000 to their loan to make energy efficiency improvements to their home. Known as an energy efficiency mortgage, or EEM, these unique loan products allow homeowners to make select upgrades and repairs to the property in order to maximize energy efficiencies. Spending money at the outset on energy improvements can ultimately lower heating, cooling and other related energy costs for years to come. That monthly savings can be funneled into additional payments to the mortgage principal or dozens of other household necessities. Veterans interested in an EEM should consult with their lender and be sure to arrange for a home energy audit from a professional firm.
What if I don't have copies of my discharge paperwork?
VA lenders have to obtain all kinds of official paperwork in order to process a loan, from the borrower's Certificate of Eligibility to tax returns and other crucial documents. It's easy for paperwork to get lost over time, so borrowers shouldn't worry if they can't locate their discharge documents or other important pieces of paper. We can obtain fresh copies of your most important documents with no hassle. Borrowers can also contact the VA and other entities to secure the paperwork themselves. The lack of this paperwork won't necessarily derail the loan process, but it's best to work with the lender as quickly as possible to take care of document needs.
Can I pay off a VA Loan early?
VA loans do not have any kind of prepayment policies. That means borrowers can pay off their loans early without penalty. That's a significant benefit for homeowners who want to cut down on their interest costs over time. Paying an additional $50 or $100 a month toward your premium can shave off years and tens of thousands of dollars from your 30-year fixed-rate mortgage.
I see that VA Loans are assumable, what does that mean?
With most loan products, when a home is sold the existing mortgage must be paid off. But there are instances when a homebuyer can take over the loan balance, interest rate and terms of the existing mortgage. This is referred to as "assuming" the loan. VA loans are one of the only fixed-rate mortgages that are assumable. This key difference gives homeowners increased flexibility when the time comes to sell their home.
When is the VA Loan not my best option?
For the vast majority of veterans, active duty service members and military families, the VA loan represents the most flexible and powerful loan program on the market. Qualified borrowers can purchase a home without a down payment or out-of-pocket spending. But there are some cases when a VA loan may not represent the best fit. Veterans with significant cash reserves who can cover a 20-percent down payment may want to consider conventional financing. But that isn't the typical financial situation for most military borrowers. For everyone else, VA loans often make the most financial sense and allow veterans to get the biggest bang for their buck.
VA Refinancing
Can the VA Loan help me lower my monthly bills?
The VA has two major refinance programs. One, the Interest Rate Reduction Refinance Loan, better known as a VA Streamline, helps homeowners get into a lower-rate mortgage to reduce their monthly payment. VA Streamlines come with minimal hassle and paperwork. The VA does not require appraisals or credit checks on Streamlines, but some lenders have recently made them mandatory. We are still able to process some Streamlines without an appraisal, which is a tremendous benefit given the decline in home values across the country. Homeowners have to pay closing costs on a VA Streamline. But these can be rolled into the overall loan amount, along with up to $6,000 in energy efficiency improvements.
Can I refinance my home if I don't currently have a VA Loan?
Veterans and active duty homeowners who qualify can refinance into a VA loan using the program's cash-out refinance program. The process for obtaining a Cash-Out Refinance is similar to the process borrowers go through for a VA purchase loan, from the income verification and debt-to-income ratio to a home appraisal. Qualified homeowners with conventional or FHA mortgages do not have to take out cash when they refinance into a VA loan. But they are ineligible for the simpler VA Streamline program.
• To purchase a residence that's owned and occupied by the veteran.
• To refinance an existing VA-guaranteed or direct loan in order to lower the current interest rate.
• To refinance in order to take out cash.
• To repair, alter or improve a residence owned by a veteran.
• To simultaneously purchase and improve a home
• To make energy-efficiency improvements in conjunction with a VA purchase or refinance loan.
• To purchase up to four one-family residential units in a condo development approved by the VA. One of those four units must be used as the borrower's primary residence.
• To purchase a farm residence to be owned and occupied by the veteran. The property cannot be a working farm or an income-producing property.
You cannot use a VA loan to purchase vacation homes or income properties


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Mental Health Community
Mental Health Support Groups & Communities
In the past few years, mental health has become an important discussion topic.
This is mainly due to the number of charities and individuals who spread the word on social media on the importance of mental health.
We at the Hope Tribe want to join in the conversation around mental health by providing a range of platforms to form a friendly and supportive community. Join us on Facebook, Instagram or Pinterest.
One of our key goals with this site is to provide a hub for those who seek information on mental health issues and we'd like to share a few platforms where you can join established communities that formed around the topic of mental health issues, suicide prevention, supporting loved ones with mental illness and support.
Research suggests that people with mental health issues have difficulties developing good support networks. It is not easy to find support if you have strained relationships with friends and family. So, where can you find support? Here are some ideas.
Mental Health Support Groups & Communities
- The Mighty: a digital health community created to empower and connect people facing health challenges and disabilities.
- 18 Percent: free, peer-to-peer online support community
- Pacifica: mobile app that offers peer support groups for stress, anxiety & depression. Join the community and find support today.
- Find a support group on psychology.com
Anxiety & Phobia Support Groups & Communities
- Anxiety and Depression Association of America: The ADAA provides a comprehensive list of both community and online support groups for a variety of anxiety disorders in the United States, Canada, Mexico, South Africa, and Australia.
- SAS List of Social Anxiety and Social Phobia Support Groups: The Social Anxiety Support website (SAS) provides a list of social anxiety and social phobia support groups in the United States, Canada, the United Kingdom, New Zealand, Australia, India, and Ireland.
- Social Anxiety Anonymous/Social Phobics Anonymous Free 12-Step Support Groups: the group offers free 12-step support groups to overcome social anxiety disorder, shyness, avoidant personality disorder, and paruresis
- Social anxiety groups on Meetup: Meetup.com offers this list of groups related to social anxiety that may be having meetups near you
- Facebook groups:
Depression Support Groups & Communities
- Anxiety and Depression Association America - ADAA does not have listings in every U.S. state or Canadian province or territory but does have listings in Australia, South Africa, and for some groups run on-line or by phoneMental Health America
- Meetup support groups
- Facebook groups:
BPD Support Groups & Communities
- BPDWORLD was founded and created in 2003 as its founders felt that there was very little specific support in respect of those with a diagnosis of personality disorder. Not only in the real world but also that of the Internet. Their forum is available here.
- Meetup groups
- Facebook groups:
Bipolar Support Groups & Communities
- Bipolar online e-community is a supportive online forum for everyone affected by bipolar.
- WebMD's Bipolar Support Group
- Depressed & Bipolar Kids: Family Support
- Facebook groups:
Eating Disorder Communities
- The NEDA Forums are available for individuals and loved ones looking to connect in a safe space about the eating disorder recovery process
- Eating Disorder Hotlines - USA
- The Academy for Eating Disorders is a global professional association committed to leadership in eating disorders research, education, treatment, and prevention. Their forum is available here.
- Eating Disorder Support Groups - find a support group in every state
- Butterfly Eating disorder support groups
- Groups on Meetup
- Facebook groups:
PTSD Communities
- Rethink mental illness
- Meetup groups
- Facebook groups
Do you know a support group you'd like to add to the listings? Get in touch via email.


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Community Banking at its Best!
Prevent Fraud during COVID-19
Protecting your personal information is our first priority. Here are some tips to help protect you from fraud.Learn More
Banking during Social Distancing
Monitor your accounts, deposit checks, initiate transfers and more. Click here to learn about online and mobile services.Learn More
The CARES Act & SBA Loans
Check back frequently for updates as more details emerge from the Small Business Administration.Learn More
Welcome to Signature Bank of Arkansas!
At Signature Bank there's no commitment more important to our team than the relationships we build with our customers.
With one on one personal service and reliable availability, we make a point of keeping connected.
From checking accounts, mortgage and commercial lending, to wealth management, we guarantee the security and growth you are looking for.


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Sentinel-1 carries an advanced radar instrument to provide an all-weather, day-and-night supply of imagery of Earth's surface. As a constellation of two satellites orbiting 180° apart, the mission images the entire Earth every six days.
The mission will benefit numerous services. For example, services that relate to the monitoring of Arctic sea-ice extent, routine sea-ice mapping, surveillance of the marine environment, including oil-spill monitoring and ship detection for maritime security, monitoring land-surface for motion risks, mapping for forest, water and soil management and mapping to support humanitarian aid and crisis situations.


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WhatsApp co-founder Brian Acton is leaving the Facebook-owned messaging app to start his own non-profit business.
Acton announced the decision on Facebook, of course:
After 8 years at WhatsApp, I have decided to move on and start a new chapter in my life.
I am very fortunate at my age to have the flexibility to take new risks and focus on what I'm passionate about. I've decided to start a non-profit focused at the intersection of nonprofit, technology and communications. It's something I've thought about for a while, and now it's time to just focus and execute. I'll have more to share in the coming months.
This decision is, of course, a tough one. I'm proud of what our team has accomplished in only a few years, and it's humbling to see that so many people rely on WhatsApp every day.
Acton started WhatsApp with CEO Jan Koum in 2009 after the pair had met working at Yahoo. The team struck it big in 2014 when Facebook agreed to pay $19 billion to buy it, a deal that put then-little-known WhatsApp on the map in the U.S., although the price ended up rising to $22 billion thanks to share-based components to the deal.
Today, WhatsApp is the world's most-used messaging app today with over one billion monthly users, that's more than double the 450 million it had at the date of the acquisition.
Lately the company has begun to make moves to monetize the service. It is adding business profiles to let users connect with companies through the app andit has been strongly been linked with enabling payments, initially in India which is its largest market based on users.
Featured Image: Bloomberg/Getty Images (IMAGE HAS BEEN MODIFIED)


text: Both my honeymoon as well as my first time to Europe. Visiting our Belgian friends was truly a life changing experience for me. From the architecture to the culture, Belgium was a wonderful place. We were there during the time of their Gentse Feesten so there was many people as well as attractions throughout the city of Gent. I wanted to document this trip with photos so I can remember this for the rest of my life.


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Student Loan Forgiveness - Lexria's Hub for Student Loan Forgiveness Resources
An adversary proceeding is a lawsuit specific to a bankruptcy and has many stages.
The type of bankruptcy and your existing credit score can affect the outcome dramatically
You still have your degree even when you no longer have your student loans
Upload your federal student loan data and save yourself the hassle of entering them in manually
Get all your private loan data in a few simple steps
Balance, interest rate, and payments larger than just the interest make all the difference
When discharging student loans in bankruptcy, where you live and where you file can affect the outcome significantly
People who suffer from Total and Permanent disability are likely eligible for discharge of federal student loans
It depends on the type of student loan and the state you live in
You may be eligible for student loan discharge and compensation
PSLF allows people who have worked in certain jobs and paid their student loans for long enough to receive forgiveness on the remainder of their loans
The two ways student loans charge interest and how to decide between them
The defense of infancy protects minors from predatory financial arrangements
Three options to secure your financial future
The three questions courts use to determine if you're eligible for student loan debt relief
We can help. Get started right away, or schedule a call to learn more.


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Thiago Alcantara injury: Liverpool ace had worrying chat with Klopp after Everton draw
Liverpool boss Jurgen Klopp has revealed that Thiago Alcantara may have suffered an injury in the 2-2 draw with Everton. The £20million man was on the end of a horror challenge late in the second half from Richarlison, who was shown a straight red by Michael Oliver.
Thiago was making his first Liverpool start following his summer switch from Bayern Munich.
He enjoyed an impressive afternoon across Stanley Park but was given a rude awakening to the physicality of the Premier League.
Richarlison smashed into the top of his leg and while Thiago was able to walk away from the challenge, it appears he may have picked up a problem.
Klopp said after the game: "As I was leaving the pitch, Thiago tells me that in the red card situation with Richarlison he thinks he has got injured.
"We will see whether it is true or not. The player felt like this and we will have to take a look."
Speaking to BT Sport, the German again hinted that Thiago may be set for a spell on the sidelines.
"It's not just a red card on Thiago, it's a messy foul and now we don't know what [injury] he has. It looks not good to be honest," he said.
Thiago is not the only Liverpool player who has picked up an injury though.
Virgil van Dijk hobbled off after he was on the receiving end of a reckless challenge from Everton goalkeeper Jordan Pickford.
The tackle went unpunished due to the fact Van Dijk was standing in an offside position.
Nonetheless, he could not continue and will now undergo a scan on the extent of the injury.
"I don't know [how serious it is], I don't know, but it is not good," Klopp said on Van Dijk.
"Virgil played for us I don't know how many games in a row. He plays with pain, he plays with pretty much everything, but he couldn't play on. That's not good."
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Former Liverpool midfielder Joe Cole thinks Van Dijk could be set for a spell on the sidelines following Pickford's challenge.
"This is the Van Dijk incident," Cole told BT Sport. "Offside or not offside, I don't think there was any maliciousness but Pickford has gone out there and it's very, very dangerous.
"Arguably Liverpool's most influential player, Van Dijk, he's looking at a spell on the sidelines for me.
"It doesn't look nice, does it? I've done my knee in a similar fashion and it always makes me squeamish watching it, so he's going to have a spell on the sidelines."
Liverpool have sent Thiago and Van Dijk for scans, following their suspected knee injuries.
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