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The future of securitization
Funding has become an increasingly worrying topic for banks as they themselves struggle to obtain senior secured funding at reasonable prices since the credit market dislocation. With credit rating cuts causing spikes in credit default swaps and, ultimately, the increased cost of secured and unsecured borrowing, finding new sources of funding - or reviving old ones - has become a priority.
With the start of the global credit crisis in mid-2007 that was followed by the banking sector liquidity crisis, market appetite for structured products, including Asset-Backed Securities (ABS), decreased until it almost disappeared in certain parts of the world. In the Middle East and other developing markets, securitization was one of the victims of the financial crisis. Securitization of assets was still immature in the Middle East region when the whole financial recession started, which led to this type of structured product to source funds at lower costs being the first of financial market products to fade away.
But is this demise unfair? Investors sometimes wonder what truly started the credit crisis: was it the inherent complexity of securitization, which limited investors' ability to monitor risk, or was it the many other vital factors such as the underestimation of risk undertaken by the investors, over-reliance on rating agencies, lack of data transparency, undue trust in mathematical models shadowing aggressive decisions taken by the some of the leading financial institutions?
Given the benefits of the securitization, which started a few decades ago, one can only conclude that the securitization market is a good mechanism to source low-priced funds and manage liquidity should the market participants overcome its associated challenges.
Why securitize?
Among all the available sources of funds to financial institutions, such as customer deposits, money markets, secured/unsecured capital markets bonds and raising capital, low-priced secured borrowing through ABS and covered bonds is always deemed favorable for both, the borrower - in terms of minimizing cost of funding and reducing liquidity risk - and the investor - in terms of achieving reasonably good returns for secured investments with senior rating.
One case in point: during the global financial crisis in 2009 - 2010, when investors' appetite for securitized products had deteriorated, the governments of larger economies bailed out some of the larger financial institutions through the acceptance to buy securitized issuance, where the underlying packaged assets met a defined criteria stipulated by the central banks.
Benefits of securitization for the Middle East region
Lower cost of funding with lower funding risk
As a result of the recent liquidity pressures in the euro-zone and the Arab spring leading to political uncertainties, credit growth is expected to be limited in the Middle East in 2012, which will affect certain industry sectors such as real estate. Financial institutions will therefore continue to focus on reducing their funding cost, improving liquidity and increasing asset quality very cautiously in order to maintain profitability at high and consistent levels.
Although the banking sector in the Middle East, and particularly in the United Arab Emirates (UAE), is very well capitalized and most banks' capital adequacy ratios are well above the level required by Basel II, it has been noted that these banks' long-term loans and advances are predominantly funded by short-term borrowings such as customer deposits and money market products, as these are better priced compared to the capital markets. However, this strategy is expected to ultimately add more pressure on the banks' liquidity management in the long run.
According to a Standard & Poor's (S&P) report published in November 2011, "the large amount of regional debt maturing between 2012 and 2014 will add to the refinancing risk facing issuers in the Gulf Cooperation Council (GCC) countries. Industry experts estimate bonds and 'sukuk' of about USD 25 billion will mature in 2012, rising to about USD 35 billion in 2014."
Taking all that into consideration, banks may need to recapitalize their balance sheet, changing their funding strategy of reliance on short-term borrowing to fund longer-term assets, in order to reduce their funding mismatch. One of the possible solutions to secure funding at a low cost, manage liquidity risk and ultimately improve profitability, could be long-term securitized issuance, which is a good alternative until unsecured borrowing from capital markets comes back at an attractive and reasonable cost.
Stimulating the economy and real estate market
To stimulate the economy, there has to be an increase in loans originated by financial institutions in the market, whence funds from such loans will be deployed in the local economy such as the real estate market and other weakening industry sectors.
As regards real estate lending products, banks are still charging considerably high interest rates and demanding higher deposits in order to reduce their funding risk (i.e. in the UAE, banks are requesting loan to value ratios of 80%). This has resulted in a very slow rate of loan originations, in particular mortgages origination, over the past couple of years, leading ultimately to lower demand in the real estate market and an ongoing decrease in property prices.
With banks shifting back to capital markets and secured borrowing, such as ABS and covered bonds, they will deleverage their balance sheets, improve their maturity profile, reduce their credit exposures and free up some cash for additional lending, which will eventually improve the economy, including the real estate market.
No such thing as a free lunch
The question that begs itself is: if securitization comes with all the benefits listed above, then why aren't we seeing any securitized issuances taking place in our market?
Global development
Many investors still consider securitization as a tainted product. Only those global originators that are able to sell a strong core competency and brand have consistently been able to successfully place new issuances.
Critics have suggested that the complexity inherent in securitization can limit investors' ability to monitor risk and that competitive securitization markets with multiple securitizers may be particularly prone to sharp declines in underwriting standards.
In recent global securitization conferences, market participants have also been discussing the need for simple transaction structures and granular portfolios to revive investor interest in securitizations. Despite a strong desire for more detailed transaction information by market participants, there is an opposing view that too much information could be overwhelming, with small investors potentially struggling to accept it.
Since the start of 2011, the market has diverted to the issuance of covered bonds as opposed to Assets Backed Securities. With covered bonds data transparency has become less of a worry to investors, as covered bonds are considered a liability to the issuer. The investor has recourse to both, the pool of packaged loans and the issuer to recover his investment, resulting in credit risk being much less and in this type of structured products becoming more popular.
Market maturity and operational readiness
The revival of securitization in the Middle East poses even greater challenges than in more developed and mature markets. The concept of securitization in the UAE market was still new at the onset of the global financial crisis. As a result, investors' and issuers' awareness of the associated risks was still not up to par, leaving all local market participants very reluctant to enter into this vague type of structured product.
Furthermore, securitization structures require ongoing operational support by various service providers normally independent of the originators, such as trustees, fund managers and servicers, in order to manage the vehicle's cash waterfall calculation, cash management, custody of collateral held and managing the investor reporting process. With the securitization process still immature in our market and the limited exposure of our local service providers, the cost associated with these services has become too expensive, as most entities seeking to securitize their assets would need to source these services from expensive international providers.
Data transparency
The absence of investors' required market data, such as loans delinquency level, details of the asset vintage, weighted average life of assets and collaterals values, renders the quality of data below the required level of information available in mature markets. That results in higher challenges for the rating agencies to assess the associated risk appropriately and to the central bank to approve such issuances. As a result, investors will eventually lose confidence in the market and will have no appetite to invest in Asset-Backed Securities.
Real estate market
Considering the high level of delinquent mortgages – resulting from the significant decline in demand over the past three years in the UAE real estate market and the current political unrest in the region – it is unclear whether further deterioration in property prices is yet to come. This of course leaves the current portfolio of mortgages carried by financial institutions in the region ineligible for packaging in a solid mortgagebacked securities issuance at a price that would be agreeable to investors.
The future, or not?
Despite the positive attributes of securitization, these might still be outweighed by several challenges in the Middle East.
While some of the challenges can still be dealt with – securitized/covered bond issuers can still opt for safer asset types with more transparent market information such as auto-loans, credit cards, energy or telecom accounts receivables – there are persistent external challenges to deal with such as market immaturity and readiness, an unstable political situation and limited growth in the economy. All that will result in prolonging the recovery of the securitization market in the Middle East.
Prior to working on regaining investor interest in securitized assets or covered bonds, external challenges should be resolved and more transparent data should be made available by the originators. Without resolving these challenges, the concept of securitization will continue to fade away.
What is securitization?
The securitization of assets is a feasible way to fund medium- to long-term assets through the issuance of secured medium to long term bonds (Asset Backed Securities or ABS) at a lower cost and still have longer maturity periods than other common funding sources such as money market borrowings and short-term deposits. This mechanism is achieved through the pooling of diverse types of contractual debt with similar characteristics such as residential mortgages, commercial mortgages, auto loans or credit card debt obligations and funding it through the issuance of consolidated tranches of debt as bonds, pass-through securities, or collateralized mortgage obligations (CMOs), to various investors attracted by significantly reduced credit risk associated with these assets.
by Musa Ramahi, Audit principal, Deloitte in the Middle East


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Episcopal head denies gay split
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subset: commoncrawl


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Despite their present 3-2 deficit in the NBA Finals, the Miami Heat is feeling confident. "If you would have told this team at the beginning of the season that, 'Hey, you win two games at home to win a championship,' I'm going to take that bet," said Miami's Chris Bosh.
Nice. I like that from Bosh.
Of course, the reaction from many has been precisely the opposite. Citing stats such as: 'since 1985 only 3 teams of 10 have lost game 5 and won the title,' many have already put Bosh and the Heat in the grave. Some are even engaging in final analysis of the "big 3 experiment." You know, 'cause making back-to-back-to-back title series and only winning one is a colossal fail.
I'll grant you that this team was assembled for the purpose of winning titles. So yeah, one in three is, I suppose, falling short. But it's funny how we regard championships in this era of sports. For some reason, fans and analysts feel entitled to rings. When did this happen? When did we stop embracing the competition itself? When did we forget that only one team every year wins it all? When did 'all or bust' become the only path to contentment?
And then there's this: did I miss the part where the Heat has lost?
Stats are a funny thing. A statistic's objective reality is entirely subject to the user. That is to say – a dude can make pretty much any argument appear sound by selective use of stats. Often it's the unquoted stats that tell a greater story, provide the greater tell.
It's absolutely true that 7 of 10 game 5 winners since 1985 have won the NBA crown. Only 3 of 8 since 1985 have ever won the final two home games to secure the same. It's also true that the Heat won 27 consecutive games this season. They don't seem daunted by the task of winning two straight, especially in an arena in which they were successful 37 of 41 times. And the Spurs? They were 23-18 on the road in 2012-'13. Then there's the stat that suggests that in a 2-3-2 format, this is precisely how it should be after 5 games.
Of course, you're only as good as your last. So, let's look at that. The Heat are 7-4 at home in this post-season. The Spurs are 7-2 on the road. But, if the Heat can get to a Game 7, that looks pretty solid, right? After all, home teams have won the last 5 Game 7s in the NBA finals. But Miami hasn't won back-to-back since they opened with a victory against Indiana in the Eastern Conference Finals. Of course, they don't have to worry about that unless they win tonight.
It's a jumbled freakin' mess, and I suppose that's what I'm getting at. Sometimes stats reveal a legitimate trend when placed side-by-side. More often than not, as is the case here, stats contradict each other at every turn.
Let's just sit back and enjoy the game and
conduct our zoomed out analysis after the trophy has been presented.


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Officials in Connecticut say it was amazing that there were no fatalities or more injuries after two Metro-North trains collided around 6 p.m. in Fairfield Friday evening.
A train from New Haven, bound for Grand Central Station, derailed east of Fairfield station and then hit a westbound train on the next track.
The crash happened between the Fairfield and Bridgeport stations and sent 72 people to the hospital.
Dozens of cops, medics, firefighters and other emergency workers responded the scene of the accident, near Commerce Avenue and State Street, of what the MTA called a "major derailment."
Crews could be seen taking passengers away on stretchers. Some responders used ladders to climb over the chain-link fence separating the street from the tracks.
According to some officials, the new Metro-North Railroad cars built with higher standards may have saved lives.
"The damage is absolutely staggering; I feel that we are fortunate that even more injuries were not the result of this very tragic and unfortunate accident," said U.S. Sen. Richard Blumenthal.
Blumenthal credited first responders, saying their "quick reactions and heroic efforts undoubtedly saved lives."
Officials don't know when Metro-North service will be restored. There is no westbound service being provided beyond Bridgeport due to a train incident in the vicinity of Bridgeport. Eastbound service will run to South Norwalk.
The crash has caused Amtrak service to be suspended in both directions between New York City and Boston.
Gov. Dannel Malloy said commuters should make plans for alternative travel through the area and urged them to consult the state Department of Transportation website for information.
"I think this is going to be with us for a number of days," the governor said.
The National Transportation Safety Board said investigators arrived Saturday and are expected to be on location for the next week to 10 days. Investigators will look at the brakes and performance of the trains, the condition of the tracks, crew performance and train signal information, among other things.
According to a St. Vincent Medical Center spokeswoman, 46 people from the crash were treated there, with six of them admitted. All were in stable condition, she said.
A Bridgeport Hospital spokesman said 26 people from the crash were treated there, with three of them admitted. Two were in critical condition and one was in stable condition, he said. The other 23 were released.
Bridgeport Mayor Bill Finch said the disruption caused by the crash could cost the region's economy millions of dollars.
"A lot of people rely on this, and we've got to get this reconnected as soon as possible," said Finch.
According to MTA, Metro-North train service remained suspended between South Norwalk and New Haven until further notice.
35 Skyline DriveLake Mary, FL 32746
Phone: (407) 644-3535News Tips: (866) 55-FOX35


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From Babel to Understanding
We feel that the long-term efforts by ForumC to bring these different factions together are beginning to bear fruit. Where the atmosphere at the first conference was at times tense, this second conference was perceived by all those present as more relaxed and open. The willingness to concede past? errors and the problems involved in the respective positions taken was one clear sign of this.


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A progressive scrap is a *slow* speed scrap!!! I love speed scraps and I'm equally fond of progressive scraps because there's no way to anticipate the next step so it's always interesting to see what kind of a fix we can get ourselves into and out of! Heaps of fun!! So here are the general rules to our *slow* speed... er I mean *Progressive Scrap*.
1. On the first day of the month I'll post Step 1. Then, I'll post the first of next weekly steps to the Progressive Scrap in a weeks' time, and so on until we've completed the layout
2. Add only the items listed in the step for that week, although you may add/alter shadows at any time.
3. As in card playing, *once it's laid, it's played*. If you posted your layout, you may not go back and change it. You may only build on the previous week's layout following the new step for the week and this makes things VERY interesting indeed!
4. The original and subsequent steps will be posted in this forum thread, as well as here in the first post.
5. Post your weekly layouts no later than midnight of the day before the next step is due - I'll post this date in the steps.
6. Post your layouts in the *Progressive Challenge* gallery.
7. Link your layout back to this forum thread so we can have a look at your artwork and leave some love!
8. Use of GDS Designer products is encouraged and very much appreciated!
9. Please list all the GDS products you've used.
10. There will be a posting bonus for everyone that: a) posts a layout in the gallery for each step AND ALSO b) linking their layout back to this forum. (so you have to do both). I'll post the bonus in this thread when it's available.
11. YES this challenge counts towards the Scrap 7 Challenge!
To link your images back to the gallery .. have a look here
Also... here's on on how to assign keywords to your layouts to give the credit back to the GDS designer
Step One:
1. Another easy first step! .. Find a plane coloured background with texture but no pattern. That's it! (Yes! It's the same as last month... the rest of the steps are NOT LOL )
Post your layout by Thursday, September 6 2012 The next step will be posted Friday, September 7 2012
Step Two:
2. Select a very lightly textured paper with a very slight pattern that compliments your background. If your paper is 12 x 12, reduce it to 11 x 11 and center it. Now use your warp tool to skew the edges so that the entire page looks like it's got a slight "S" shape. Now poke 3 to 5 varying sizes of shape holes of your choice along the center line keeping the "S" shape in mind. Use the tutorial I posted last month to help you poke the holes and add shadows if you like.
Post your layout by Wednesday, September 12 2012 The next step will be posted Thursday, September 13 2012
Step Three:
3. OK!!! you now get to find one photo of a person/child and place their *face* behind one of the cut outs. Now take that same photo and make it black and white, then reverse the direction of the photo. IE if one face it looking left then the other is looking right. Place it behind another cut out so that your layout is balanced.
Post your layout by Tuesday, September 18 2012 The next step will be posted Wednesday, September 19 2012
Step Four:
4. Soooo... now we get to pull it all together! Firstly, find a nice ribbon or string and trying to keep to the middle, tie all your cut outs together. Now add some flowers, and foliage along the ribbon/string. Add two different types of scatters that suit your layout, keeping in mind that step 5 need some room, so keep the scatters close to the center line and behind all the flowers/foliage. Now add a bit of foliage between the background and top paper. Add shadows as you like.
Post your layout by Monday, September 24 2012 The next step will be posted Tuesday, September 25 2012
Step Five:
5. NOW..... It's Title time again!! .. Add a title, some journaling and a date and your done!
Post your layout by Sunday, September 30 2012


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Read more
The NEW Sound Of Christian Music
The NEW Sound Of Christian EDM
The NEW Sound Of Christian Rap/Hip-Hop
Hey Everyone!
More than likely, you are getting to this blog post by trying to enter our forums. Long story short, as of March 26th, the NRT Forums have become part of our site's history.
The long story...
When we relaunched NRT back in July of 2007, the forums were the centerpiece of what we hoped would be a vibrant community of Christian music fans. We had no expectations. Simple dreams and visions. And we quickly realized that those would become a reality as music fans flooded our new NRTeam community and began to connect using our new site forums. We doubled the size of our forums, we saw hundreds of thousands of posts, we had an entire moderator team and things we're rocking and rolling.
And then MySpace started to die off, quickly replaced by Facebook, and followed by Twitter, and yes, even text messenging. And the way we all communicate with each other seemed to morph overnight with the newest and latest technology, leaving what was once a vibrant and active NRT forum community in the dust faster than we could utter the words, "Hey, remember us?"
Well, don't shed an NRTear for the forums. We've ensured you haven't lost any NRTeam Bonus Points you earned for past activity and we're working on huge changes to the site that will continue to help all of us music fans stay connected. Community is still a major part of our vision and we'll be introducing a lot of new functionality into the site in the coming months that will compliment the changing technology around us.
So stay tuned! Onward and upward!
Kevin McNeese
NRT President
View All Blog Entries | Return to NRTeamAdmin's Profile


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Young people in West Virginia are suffering from Mountain Dew Mouth. Get the full story at newser.com
Similar to the Meth Mouth, where meth users teeth get black and erode from the drug, Mountain Dew drinkers are seeing some serious damage to their teeth.
One researcher says 26% of preschoolers have tooth decay while 24% of 18-24 year olds have had to have teeth removed. Though the damage is not all from soda Mountain Dew is extremely popular in this region of the country.
** Acid in soda causes erosion in teeth while sugars cause decay.


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SmartPool AP72 SolarPill Liquid Ball Solar Blanket Cover for Pools up to 30,000 Gallons
Short Description
The SmartPool SolarPill (SKU #AP72) is for pools up to 30,000 gallons and sits on your pool water's surface to help reduce heat and chemical loss.
Pool Cover Accessory Features:
The SolarPill is an innovative little product that packs a big punch. This thermally insulating liquid blanket slowly releases into your filtration system and forms a harmless, invisible barrier on the surface of your pool water to reduce heat and chemical loss by preventing water evaporation. The advantage of this liquid solar blanket is that it is always working, even with swimmers in the water. One capsule treats 30,000 gallons for one month. The SolarPill can be used with traditional chlorine, salt water and mineral sanitizers. It is safe for use with all types of swimming pools and will not affect chemical balance.
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A prostate biopsy is the removal of a small amount of tissue from the prostate gland. The tissue is examined to determine whether there is cancer .
Reasons for Procedure
A prostate biopsy is usually done after an abnormal finding by:
- Digital rectal exam
- Prostate specific antigen blood test
A prostate biopsy is the only way to find out if cancer cells are present.
Possible Complications
Complications are rare. But, no procedure is free of risk. If you are planning to have a prostate biopsy, your doctor will review a list of possible complications. These complications may include:
- Infection
- Bruising or lengthy bleeding from the rectum or in urine or semen
- Difficulty urinating
- Reactions to anesthesia
Factors that may increase the risk of complications include:
- Smoking
- History of bleeding disorders or easy bruising
- Use of any medications, over-the-counter medicines, or herbal supplements
- Sensitivity or allergy to latex, medicines, or anesthesia
Be sure to discuss these risks with your doctor before the procedure.
What to Expect
Prior to Procedure
You may be asked to do the following:
Talk to your doctor about your medicines. You may be asked to stop taking some medicines up to one week before the procedure, like:
- Anti-inflammatory drugs (such as aspirin )
- Blood thinners, such as clopidogrel (Plavix) or warfarin (Coumadin)
- Begin taking an antibiotic if advised by your doctor.
- Use an enema several hours before the procedure.
- If you will be getting general anesthesia, do not eat or drink anything after midnight.
The type of anesthesia depends on the method that your doctor uses:
Transurethral biopsy and perineal biopsy:
- General anesthesia —blocks pain and keeps you asleep through the surgery, given through an IV in your hand or arm
- Local anesthesia—just the area that is being operated on is numbed, given as an injection and may also be given with a sedative
- Transrectal prostate biopsy—local anesthesia
Description of the Procedure
Your doctor will use one of the following methods to do the biopsy:
- Transrectal biopsy (most common method)—Your doctor will insert a small ultrasound device into the rectum. This device will produce sound waves to create an image of the prostate. These images will help guide placement of the needle. Your doctor will then insert the needle through the wall of your rectum and into the prostate gland.
- Transurethral biopsy—Your doctor will insert a lighted flexible tube through the penis into the urethra. The urethra carries urine from the bladder. Your doctor will get the biopsy with a cutting loop that is passed through the flexible tube.
- Perineal biopsy—Your doctor will make a small incision in the perineum. The perineum is the area between the scrotum and the rectum. The doctor will insert a small needle into the prostate gland to get the biopsy.
How Long Will It Take?
About 30 minutes
Will It Hurt?
You may have discomfort and soreness at the biopsy site.
Postoperative Care
When you return home after the procedure, do the following to help ensure a smooth recovery:
- Stay hydrated. Drink plenty of fluids for the next few days.
- Avoid difficult physical activity the day and evening of the procedure.
- Keep in mind that you may see blood in your urine, stool, or semen for several days.
- Ask your doctor when you can resume taking any blood-thinning medicine.
- Ask your doctor about when it is safe to shower, bathe, or soak in water.
- Be sure to follow your doctor's instructions .
After the sample is taken, it will be sent to a pathologist. This doctor will analyze the sample for cancer. If cancer is present, your doctor will work with you to develop a treatment plan.
Call Your Doctor
After arriving home, contact your doctor if any of the following occurs:
- Inability to urinate
- Blood in the urine more than 2-3 days post-biopsy
- Signs of infection, including fever and chills
- Pain that you cannot control with the medicines you have been given
- Pain, burning, urgency, or frequency of urination
- Cough, shortness of breath, or chest pain
- Rectal bleeding that lasts more than 2-3 days after the biopsy
In case of an emergency, call for medical help right away.
Revision Information
- Reviewer: Mohei Abouzied, MD
- Review Date: 09/2013 -
- Update Date: 09/30/2013 -


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This custom-built home offers classic Southern style – from the columned entrance to the covered back patio – with lots of modern updates.   See the Gallery
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The cozy breakfast area is perfect for casual meals, or for curling up with a good book in the window seat.   See the Image
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The first HGTV Smart Home is located in Paradise Key South Beach, a pedestrian- and bicycle-friendly neighborhood in Jacksonville Beach. This lively community lies just five blocks from the…   See the Image
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text: She said that he "may need it". I responded that I really hoped they could find someone soon. Dbf was like, "You didn't have thoughts like that?" I said No! I even if I did, it's not normal or ok in any way shape or form for a child to feel this way.


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English Legend® Roses
A group of roses from the "Harkness" family of England comes roses that have won many awards throughout the world and that have been marketed in France and Germany as "English Legend" roses for several years. Most are wonderfully fragrant with a number of different perfumes and are long-lasting as cut blooms. The "English Legend Roses™" fall somewhere between the 'English Roses' and the 'Romantica's'. Their main features are a wider range of colors than either of the other groups of rose bushes. They tend to have more fragrance than the 'Romanticas' and are a much more compact rose bush than most of the David Austin® English Rose introductions. Hardy zones 5/6 through 10.
Escapade®Price From: $17.50


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Hi everyone, it's Aja! I am all about using natural, textural elements when decorating my home. I don't go crazy with the seasonal or holiday decor (other than Christmas!), but a few touches here and there are nice.
One thing I like to have up is a wreath on our front door. I was ready for something new and fall-ish, so I set out to make something. This shimmering pine cone wreath is what I came up with! Want to make one, too?
Here's what you'll need:
- Flat Wreath Form
- Pine Cones (I scored mine in the Target Dollar Spot)
- Gold Metallic Paint
- Glue Gun (not pictured)
First up, spray paint your pinecones with the gold spray paint. I put mine in an old cardboard box to keep them contained. I only did 2 coats and kept it pretty light-handed. I wasn't trying to coat every inch of each pinecone in gold- I just wanted a little shimmer! After the first coat, shake the box a bit to move them around. That way you'll get different angles for the next coat.
Once your pine cones are dry, lay them out on your wreath to get a feel for where they look good. I noticed I had more of the rounder pine cones, so I made sure to distribute them all around the wreath.
It worked best to grab 2 or 3 pine cones at a time and figure out how to layer them, then glue them down. It was a little tricky since they have such hard angles. I did dabs of glue between the pine cones as well as to the wreath to keep them in place. I also tried to save the smallest pieces to add and fill in holes at the end.
Half way done:
All done! Once it dried completely, this wreath is very sturdy. I love how simple and textural it looks on our front door and the subtle sheen of the gold spray paint. It's not too bright or glitzy, which is what I was going for. And if you like a little more going on on your wreaths, it would be easy to add a few sprigs of evergreen or cranberries to give it some festive color!
I also discovered that this wreath would be perfect laying on your table at Thanksgiving with a few candles in the center. Now I can't decide which way I like it better.. maybe I need to make another one!
{Related Posts}
DIY: How to Make a Rag Wreath for Fall
DIY: Make Your Own Glitter Bottles
DIY: How to Make a Rug Out of a Tablecloth


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Who from here is familiar with her or are into her work, I know she's not very well knows outside europe.
I think the woman is brilliant and she is my all-time favorite artist and it would be nice to have someone to talk about her.
Currently re-obssesed with "50 words for Snow" and "Never for Ever".


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58-year-old Willie Drain was killed by a speeding driver in a stolen car that blew a stop sign and crashed into him at Nevada and Gable on Detroit's east side Tuesday afternoon."The vehicle was originally spotted on Seven Mile by a uniformed officer, but it was traveling at a high rate of speed. He didn't pursue it, but he informed dispatch that there was a car in the area traveling at a high rate of speed," said Lieutenant Anthony Topp.Drain had left his mechanic job at Safeway Transportation and was supposed to be home between 3:30 and 4 p.m. on Tuesday afternoon. When he didn't show, his wife got worried, and then she got a call from the hospital."It's just really unfair for a beautiful person like that to lose his life because of some idiots out here," said wife Mary Drain."Find out he died because somebody stole somebody else's car and ran the stop sign," said sister Judy Drain."The hospital said he died instantly," said nephew Keith Drain.A family has been torn apart. Drain had a grandchild and five grown children, one who is serving in the military. She was called home from Japan to bury her father.As for the suspects, a young man is now under arrest. He was chased down by an off-duty officer, who just happened to be nearby."She was in the area and saw what happened, followed him down Gable and then made the arrest with the help of some other officers," Topp said.Police are still searching for another man and asking for the public's help. Meanwhile, Drain's family is asking the new police chief for help for the city."He needs to do something about the city because it's messed up," said brother-in-law Bobby Hamilton.
35 Skyline DriveLake Mary, FL 32746
Phone: (407) 644-3535News Tips: (866) 55-FOX35


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You might not be familiar with the term 'Z-Movie,' but if you grew up in the 90's, chances are you've seen one. They're the beyond-low-budget monstrosities that teased you from the walls of the mom-and-pop video store. Usually, the films themselves could never live up to the pictures on the videotape boxes (because this was way before your fancy 'Digital Video Discs' and 'Blu-Rays') but occasionally you'd find something truly unique. 'WEIRDO FLICKS' will clue you into some movies which 'unique' doesn't even begin to describe...
'Big Money Hustlas' - 2000, Directed by John Cafiero
OK. So forgive me in advance for reviewing one of the Insane Clown Posse's theatrical works, but a) I'm not really sorry and b) We're all from Michigan (probably) so let's give these hardworking weirdos some love.
Back in 2000 when ICP were still hated and semi-feared by parents everywhere, they created their magnum opus, a feature-length blaxploitation throwback with costars that included funnyman Harland Williams and legendary punkers the Misfits.
Aside from the obviously awesome aspect of Williams playing a bumbling cop named Harry Cox and seeing the Misfits throw donuts at him, Violent J and Shaggy 2 Dope amp up the more comical elements of their personalities and turn in a good performance as well.
What you're treated to in the film is a fairly accurate parody of 'Dolemite'-style 70's flicks including Shaggy's speaking-in-rhyme hard-nosed detective character Sugar Bear. In fact, Dolemite himself makes a lengthy appearance, and I don't think he'd lend his name to a film he saw as insincere.
Sugar Bear comes to NYC to fight crime boss Big Baby Sweets (Violent J) and his clueless henchmen, played by ICP label-mates Twiztid. Sweets has Sugar Bear's 300-pound girlfriend killed, which sends him into a spiral of hard drug use. Dolemite, however, comes to the rescue and helps Sweets engage in a final battle against the evil gangsters.
Yes, it's cheesy, slapstick and foul-mouthed, and if you violently despite ICP you probably won't find anything to like here, but anyone with a taste for similar parody flicks like 'Hebrew Hammer' and 'Pootie Tang' should give this a go...it's much funnier than either of those.
ICP of course does the soundtrack as well, but they chose some of their least-alienating tunes, and can you really hate a couple guys who have about 2,000 love songs dedicated to fat women? I thought not.
Despite everything else, though, Harland Williams TOTALLY steals the show, and from the outtakes on the DVD it seems clear that he improvised a good deal of his dialog. If you loved him in 'Half Baked,' don't miss out on one of his best adult-oriented roles.
There's a sequel somewhere out there called 'Big Money Rustlas' that I have not seen, but it promises to be just as ridiculous.
VHS photo by Toby Hudson.


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Katie's Q & A
Who's your favorite sports team, and why?
Ohio State Buckeyes because I have to represent my home state.
What's your favorite movie quote?
"Bratwurst? Aren't we the optimist?" —10 Things I Hate About You
What's your favorite video game, and could you kick our butts at it?
I dominate in 007, and am always up for a challenge.
Piercings/Tattoos (How many? Where?)
My navel is pierced and I have one tattoo on my wrist which is the Japanese symbol for strength.
What's the most embarrassing song on your iPod?
It would have to be Carly Rae Jepsen - Call Me Maybe
What's your best party trick?
Chugging contests.
What's the most memorable pick-up line you've ever heard?
Do you have a BandAid? I just scraped my knee falling for you.
What's the worst job you've ever had?
I had to work at a Goodwill for part of community service (for speeding!). It was the worst 10 hours of my life before I found a new placement for my other 90 hours!
What's the most dangerous thing you've ever done?
You tell me? 180mph around Lowes Motor Speedway without a helmet, wheelies, high speed chases, rolling rzr's in Moab, etc.
It's 4AM after a crazy night out – what are we eating?
What's the strangest thing in your fridge right now?
Batteries!! Apparently they last longer if they are refrigerated. Weird...I know!
What's the naughtiest thing you've ever done in public?
Apparently speeding, because I had to do 100 hours of community service for 3 speeding tickets in a year for it!!!
What do you feel sexiest wearing?
Tell us a joke.
An enthusiastic door-to-door vacuum salesman goes to the first house in his new territory. He knocks, a real mean and tough looking lady opens the door, and before she has a chance to say anything, he runs inside and dumps cow patties all over the carpet. He says, "Lady, if this vacuum cleaner doesn't do wonders cleaning this up, I'll eat every chunk of it." She turns to him with a smirk and says, "You want ketchup on that?" The salesman says, "Why do you ask?" She says, "We just moved in and we haven't got the electricity turned on yet."


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Dogs are joyful creatures full of love. Puppies require a lot of time and work. Training your puppy takes a lot of time. Follow the tips presented here in a consistent manner to train your dog quickly and well.
There are many ways to make crate training more comfortable and successful for your new puppy or dog. If your dog does not want to go into the crate but one of his favorite toys inside and close the door. If a dog sees something in the crate that they want, they will desire to enter it. After he goes in the crate, reward him with praise and a treat.
Timing is everything in dog training. While you want to devote a good amount of time to it, you do not want to go too far. Begin by implementing brief training sessions, then make each session progressively longer. Pay attention to the point when your dog starts to get restless.
It takes many repetitions before a dog learns a new command. It is not uncommon for it to take between 25 to 50 repetitions of the same command for your dog to learn it. Using the exact same command and remain patient with them so that they can get it.
Refrain from using higher end training gadgets, such as shock collar devices. Often times, they do not work and are over priced. Also, shock collars and like devices are just not nice things to use. These tools often do more harm than good.
Pick a consistent phrase to use with your puppy while house training. Whenever the dog is taken out, use the term you have chosen to refer to the process of relieving him or herself, and the pet will make a mental link between going outside and doing just that.
While training your dog, make sure both of you are having fun. Playful interaction strengthens the bond between you, and will have your dog striving even harder to please you during training. Training can be a fun experience, however, getting some enjoyment for yourself and the dog through play is a good thing.
Vary your tone of voice when going through training sessions. Use different tones for praise and discipline. Commands should be firm yet sharp, whereas corrections require a louder tone. Natural voicing is good for praise and reinforcement.
Now that you understand how to deal with your puppy, the time has come to apply the above tips. Remain patient and reward your pet when he behaves properly. You cannot do it all in a few days, so give it time.


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Led Zeppelin Announces The Coming Of 'Celebration Day'
Saturday, September 15, 2012
As expected, Led Zeppelin's December 10th, 2007 reunion show at London's O2 Arena -- now named Celebration Day -- will be released on CD, DVD, Blu-ray disc -- with a one-night only theatrical run planned. Vintage Vinyl News reported that the film will get premiere showings in New York, Los Angeles, London, and other major cities -- with some featuring members of the band. A screening of "over 1,500 screens in over 40 territories" is set for October 17th. The CD/DVD/Blue-ray discs of Celebration Day will be released on November 19th through Swan Song/Atlantic Records.
Paul Rodgers, who performed at the show as one of Zeppelin's opening acts, told us that he credits the band for giving Bad Company the break they desperately needed in the early '70s: "I'm a huge fan of Zeppelin and of Jimmy Page, and I'm also very grateful; to them, because it was their management -- Pete Grant -- that took us on board, and it was their decision for that to happen, 'cause Swan Song was their company. So I was always grateful to them for giving us that fantastic opportunity, really. And I think a lot of the initial interest for Bad Company was 'This is Led Zeppelin approved -- let's check it out.' Y'know, so there was a certain. . . there was definitely a lot of cache for that."
Todd Rundgren who performed at Britain's legendary Knebworth festival along with Zeppelin back in 1979, said that he doesn't blame Robert Plant for shying away from another reunion and trying to duplicate his vocals from 35 or 40 years ago: "Robert Plant will probably always have a gig somewhere. And the only reason for him to reunite with the Led Zeppelin thing is because it would just be huge money involved, I guess. But he has an opportunity to play music that he feels like. Some music that he may feel actually more akin to than what he's, I guess 'obligated' to do (laughs) at this point with Led Zeppelin. Everything that he did after he left Led Zeppelin was an octave lower (than the Zeppelin songs). (Laughs) And now he's got to go back and sing and scream at the top of his lungs."
Led Zeppelin's set list on December 10th, 2007 at London's O2 Arena:
"Good Times, Bad Times"
"Ramble On"
"Black Dog"
"In My Time Of Dying"
"For Your Life" (live debut)
"Trampled Underfoot"
"Nobody's Fault But Mine"
"No Quarter"
"Since I've Been Lovin' You"
"Dazed And Confused"
"Stairway To Heaven"
"The Song Remains the Same"
"Misty Mountain Hop"
"Whole Lotta Love"
"Rock And Roll"
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News & Articles
Looking for news or information about LED Christmas lights, decorative lighting, or decorating with Christmas lights? We have a wealth of information about these subjects and we are constantly adding new content. Use the search function on our site to find older articles or sign up for our RSS feed. Or check out some other great sites for information about outdoor and decorative landscape lighting and LED landscape lighting.


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£14.39 per 10ml
Item in stock
Standard Delivery
Click & Collect
'I am so honored' LED gel nail polish 9ml
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With nails dripping in metallic gold, who wouldn't feel honoured in this colour? Applies like polish, with twist cap and applicator, but cures in a LED light in 45 seconds just like gels. Weeks and weeks if long lasting color. No chipping or peeling! And, soak completely off in 10-15 minutes.
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I am unable to open the beginning pse syllabus. Do we need a password. that is what it tells me when I open it in pse 9.
i would like to buy the photoshop elements classes but what is the next step ? sign up for the classes or what do I do? sorry i may be sound silly but i'm lost. If i buy the two classes beginners and the other one advance I think how do i do it ?


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Obama orders Justice Department to send lawmakers classified rationale for drones
WASHINGTON (AP) -- President Barack Obama has directed the Justice Department to give Congress' intelligence committees access to classified legal advice providing the government's rationale for drone strikes against American citizens working with al-Qaida abroad, a senior administration official and Democratic lawmakers said Wednesday.
A drumbeat of demands to see the document has swelled on Capitol Hill in recent days as the Senate Intelligence Committee prepares to hold a confirmation hearing for John Brennan, who helped manage the drone program, to be CIA director.
Those demands were only intensified by the leak this week of an unclassified "white paper" on how decisions are made to target U.S. citizens abroad that the Justice Department confidentially sent to key lawmakers last year. The unclassified memo says it is legal for the government to kill U.S. citizens abroad if it believes they are senior al-Qaida leaders continually engaged in operations aimed at killing Americans, even if there is no evidence of a specific imminent attack.
The senior official said Obama decided to send lawmakers the classified rationale on Wednesday as part of his "commitment to consult with Congress on national security matters." Obama directed the Justice Department provide the Senate and House intelligence committees access to classified advice from its Office of Legal Counsel that the white paper is based on, the official said.
Legal opinions produced by the legal counsel's office are interpretations of federal law that are binding on all executive branch agencies.
Boy Scouts delay decision on whether to lift policy excluding gays, set new vote for May
IRVING, Texas (AP) -- Caught in an ideological crossfire, the Boy Scouts of America is putting off until May a decision on whether to ease its policy of excluding gays. Whatever the organization eventually does, it's likely to anger major constituencies and worsen schisms within Scouting.
The delay, which the Scouts attributed to "the complexity of this issue," was announced Wednesday after closed-door deliberations by the BSA's national executive board. Under consideration was a proposal to ease the longstanding ban on gays by allowing sponsors of local troops to decide for themselves on the membership of gay Scouts and adult leaders.
As the board met over three days at a hotel near Dallas, it became clear that the proposal would be unacceptable to large numbers of impassioned Scouting families and advocacy groups on both the left and right.
The iconic youth organization is now deeply entangled in the broader cultural and political conflicts over such issues as same-sex marriage and religious freedom. Tilting toward either side will probably alienate the other, and a midway balancing act will be difficult.
Gay-rights supporters contend that no Scout units anywhere should exclude gays, and vowed to maintain pressure on the BSA's corporate donors to achieve that goal. Some conservatives, including religious leaders whose churches sponsor troops, warned of mass defections if the ban were even partially eased. They urged supporters to flood headquarters with phone calls.
10 Things to Know for Thursday
Your daily look at late-breaking news, upcoming events and the stories that will be talked about Thursday:
Both left and right gear up for an intense campaign to sway the organization as it makes up its mind.
Financially strapped Postal Service plans to cut Saturday mail, but continue package delivery
WASHINGTON (AP) -- Saturday mail may soon go the way of the Pony Express and penny postcards. The Postal Service said Wednesday that it plans to cut back to five-day-a-week deliveries for everything except packages to stem its financial losses in a world radically re-ordered by the Internet.
"Our financial condition is urgent," declared Postmaster General Patrick R. Donahoe. But Congress has voted in the past to bar the idea of eliminating Saturday delivery, and his announcement immediately drew protests from some lawmakers. The plan, which is to take effect in August, also brought vigorous objections from farmers, the letter carriers' union and others.
The Postal Service, which suffered a $15.9 billion loss in the past budget year, said it expected to save $2 billion annually with the Saturday cutback. Mail such as letters and magazines would be affected. Delivery of packages of all sizes would continue six days a week.
The plan accentuates one of the agency's strong points: Package delivery has increased by 14 percent since 2010, officials say, while the delivery of letters and other mail has plummeted. Email has decreased the mailing of paper letters, but online purchases have increased package shipping, forcing the Postal Service to adjust to customers' new habits.
"Things change," Donahoe said.
AP sources: House Dems offer gun control plan resembling Obama's, include assault weapons ban
WASHINGTON (AP) -- House Democrats will unveil 15 proposals for curbing gun violence that resemble President Barack Obama's plan and will include a call for banning assault weapons, people familiar with the package said Wednesday.
The Democrats' recommendations will also include barring high-capacity magazines carrying more than 10 rounds of ammunition, requiring background checks for all gun sales and prohibiting gun trafficking, all of which Obama proposed last month.
The proposals, to be released Thursday by top House Democrats, were described by people who requested anonymity because they were not authorized to discuss the plan publicly. They represent the initial House Democratic response to the horrific Dec. 14 shooting of 20 first-graders and six adults at the Sandy Hook Elementary School in Newtown, Conn.
Even so, the Democrats' proposals are unlikely to go anywhere quickly in the Republican-controlled House. A spokesman for House Speaker John Boehner, R-Ohio, has said the House will wait to see what the Democratic-led Senate does.
Obama's gun control proposals have been opposed by the National Rifle Association, which is a potent lobbying force on Capitol Hill. In addition, some Democrats -- including many from rural or conservative areas -- have been reluctant to endorse the president's plan.
FBI and police used military tactics, weapons, to rescue 5-year-old hostage in Alabama
Within hours after an armed, angry man shot a school bus driver and kidnapped a 5-year-old boy, workers feverishly unloaded boxes packed with percussive grenades, military C-4 explosives and an array of guns from a windowless DC-9 that had landed just miles from the suspect's isolated compound.
Helmeted officers decked out in tan fatigues, camouflage and body armor, many carrying long guns, rumbled in rented cargo trucks to and from the property in southeastern Alabama where 65-year-old Jim Lee Dykes and his young captive were hunkered down in a roughly 6-by-8-foot hand-dug bunker with only one small hatch for an entryway.
Two Humvees belonging to the Dale County Sheriff's Department and a tan, military-style personnel carrier were parked in a field beside the bunker throughout much of the ordeal, along with sport-utility vehicles. Officers dressed in combat-style gear could be seen watching the bunker from an opening in the roof of the tan personnel vehicle.
And as the standoff stretched into days, drones flew large, lazy circles high above the scene at night.
In many ways, the scene resembled more of a war-time situation than a domestic crime scene as civilian law enforcement relied heavily on military tactics and equipment to end the six-day ordeal.
World's eyes are on Acapulco rape case as Mexico prepares for peak spring break season
ACAPULCO, Mexico (AP) -- The tourism world turned its eyes on Mexico after six Spanish women were raped by masked gunmen during a vacation in the long-troubled Pacific coast resort of Acapulco.
While there has been talk of reviving the golden era of the '40s and '50s, international tourists have long steered away from Acapulco, even before the drug violence of recent years, as the city fell into disrepair and glitzier Cancun and Los Cabos gained favor.
The question now is whether the attack will affect other resorts as Mexico prepares for its annual spring break onslaught and peak season.
The hours-long assault was carried out by a gang of masked gunmen who burst into the beachfront home before dawn on Monday and tied up the six men inside, then raped the women. A seventh Mexican woman was unharmed.
"We are really sorry about what happened with the Spanish tourists because ... it is something that affects Mexico's image," said Juan Carlos Gonzalez, tourism secretary of Quintana Roo, the Caribbean coast state where Cancun is located and which hosted about 17 million tourists last year.
Rare 1865 baseball card found at Maine yard sale sells for $92K at auction
BIDDEFORD, Maine (AP) -- A rare 148-year-old baseball card discovered at a rural Maine yard sale has been auctioned for $92,000.
Saco River Auction Co. in Biddeford held an auction Wednesday night that included a card depicting the Brooklyn Atlantics amateur baseball club.
Troy Thibodeau, manager and auctioneer at Saco River Auction, said the card drew plenty of interest. Bidding started at $10,000 and quickly rose to the final $92,000, which included an 18-percent premium.
The name of the buyer, who was at the auction house, was not released.
The card isn't the same as a modern-day baseball card, which became common in the 1880s. Rather, it's an original photograph from 1865 mounted on a card, showing nine players and a manager.
Lawsuit in Chicago: Answering calls, scanning emails after work hours deserves overtime
CHICAGO (AP) -- Does scanning emails and answering calls from bosses on your smartphone after hours constitute work that should be compensated? A lawsuit winding its way through federal court in Chicago says that it does.
Chicago police Sgt. Jeffrey Allen claims in the suit that the city owes him and fellow officers overtime pay for work performed on department-requisitioned BlackBerry phones. If the plaintiffs eventually prevail, it could mean millions of dollars in back pay.
The issue impacts workers everywhere, Allen's lawyer said Wednesday after a hearing in the case.
"Everybody can relate to this because people are being asked all the time these days to work for free and they are being told to work for free using their phones," attorney Paul Geiger said.
Earlier Wednesday, attorneys for both Allen and the city told a judge they had agreed on the wording of documents that will be sent to other officers asking if they want to join the lawsuit.
Chris Brown returns to Los Angeles court to address issues with probation; April hearing set
LOS ANGELES (AP) -- With the woman he assaulted throwing him a kiss, Chris Brown walked into court Wednesday to face allegations he failed to complete his community labor sentence for Rihanna's 2009 beating.
A judge asked for more information and scheduled another hearing in two months.
Rihanna, the glamorous singer whose bruised face became a tabloid fixture after she was beaten by her then-boyfriend on the way to the Grammys, has been dating Brown again.
She arrived with the R&B star, his mother and two other women and blew him a kiss as he entered the courtroom. They left together after the short proceeding in which Superior Court Judge James Brandlin set the next hearing for April 5.
Brown's lawyer, Mark Geragos, said he was disturbed about the way the district attorney handled the matter and said he would be filing a motion opposing the prosecution's move to modify Brown's fulfillment of his community labor sentence.


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text: Petit Jean State Park River Valley Region View Website Calculate Trip Book Online Save to foursquare Get Directions Overview:The flagship of the state parks system built in the 1930s by the Civilian Conservation Corps, features Mather Lodge and Restaurant, cabins, swimming pools, campground and fly-in campground, boating and fishing on Lake Bailey, visitor center exhibits. Twenty miles of hiking trails; 95-foot-high Cedar Falls, the park's focal point. Pets must be leashed at all times. Boat dock offers boat, motor, pedal boat and water bike rentals; boathouse offers snack bar, boat rental supplies in summer. Overlooks at the east and west ends of Petit Jean Mountain provide dramatic vistas of the Arkansas River, the water route of the Trail of Tears, a Congress- designated National Historic Trail. Named by Camping Life magazine as number one on their list of the nation's Top 10 State Parks. Address: Petit Jean State Park 1069 Petit Jean Mountain Road Morrilton, AR 72110 Phone: 501-727-5431 Toll-Free: 800-264-2462 Fax: 501-727-5458 Website: www.PetitJeanStatePark.com E-mail: email@example.com GPS: N35.1182435 W92.9334912 Payment Methods:VisaMasterCardDiscover CardAmerican Express Connect: Miscellaneous Units/Rooms: 56 Pets Accepted Seating Capacity: 100 Type of Service: Banquet, Buffet, Menu Picnic Area Accessible On or Near: Lake Bailey, Arkansas River (Okla. to Little Rock) Marina Details Fishing Licenses Sold Boat Rentals Snack/Groceries Campground Details Campsites: 94 RV/Tent with W/E (34 pull-thrus); 33 RV/Tent with W/E/S; 5 Fly-in with E Facilities: Lodge and restaurant, cabins, food concession trailer, gift shops, fishing and pedal boat rentals, Rent-A-Yurts, Rally-style area, fly-in campground, restrooms, hot showers, dump station, pool, tennis courts, picnic sites, pavilions, snack bar, playgrounds, airport for daytime use only. Call (501) 727-5431 (TDD) for lodge and cabin reservations. Call 501-727-5441 for campsite reservations. Pets must be leashed at all times. Attractions: This park on Petit Jean Mountain 1,100 feet above the Arkansas River Valley offers natural attractions including rock shelters, hiking trails, waterfalls, a fishing lake, and scenic overlooks. Comments Jeff Fendley · Little Rock, AR I LIKE THE WATERFALL!!!


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Have you ever looked at the ingredients, let's say, in pretty much ANYTHING you buy from the grocery store?
Read the ingredients out loud.
How many of the ingredients did you have trouble pronouncing.
How many of the ingredients took you back to your high-school chemistry class.
It CAN'T be good for your body.
A recent survey said that 58 percent of Americans would prefer to eat organic when given the choice.
Check out the article from MyFitnessPal HERE .
Check out this video for 3 Tips to Start Eating Organic:


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:laugh: Oh Myles! His actions are perplexing because he's a child. :P lmao!
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:laugh: Oh Myles! His actions are perplexing because he's a child. :P lmao!
I just don't know what to do with her anymore, and it scares the heck out of me because what's going to happen when she turns into a teenager?
And DH is not helping because after taking certain level of abuse, I just up and leave, and won't talk to her (not fair to ask her to not scream and talk calmly when I can't follow my own advice) until I'm sure I won't scream, and he's all up in my business about how stressful it is for him to watch all this. Buddy, try putting the kid down yourself for a change. I've done it for 2 1/2 years; your turn.
Myles, I'm sorry your story made me laugh. They are the most perplexing creatures that is for sure.
I'm laying off the internet for awhile but still checking in here now and then because I'd miss y'all too much if I didn't. I just found myself carrying around ugly feelings about something an old schoolmate of mine posted on my fb sticking up for the boy scouts and then later that idiot "friend" of mine who is always talking about his all loving God and then basically is condemning Obama for not bombing the **** out of anyone who kills an american. I finally unfriended him but more importantly I had a stern lecture with myself about letting people I really don't even know anymore get to me. WHY do I care if some random girl from my high school loves boy scouts? And why do I let one of the bouncers from one of the clubs I used to work at in Hawaii get under my skin because he's a rabid hyprocrite? Good gravy I'll probably never see either of them again in my life!
So, yeah. I've locked my laptop in bedroom instead of out on the kitchen counter where I could pop on and check it whenever I had a moment. No need for that. But now I'm here checking my email so thought I'd see how my secular ladies are doing.
Thanks for asking about Kai. He is not better. Friday we go see a natural medicine dr in Madison. I have mixed feelings about it because it's expensive and not covered by insurance which of course has dbf all irritated. But I do have this nagging feeling, that I've had for a long time, that something is not right with Kai. And I need help figuring out what it is. I'm not getting it from our dr so going to try this.
:comfort: Oh Bridget, I'd really hoped he was doing better. I hope this dr can help. I'm very concerned as well. Please update us as soon as you can. You know we'll be worried.
As for why you care so much...I think it's the scorpio in us (even though I don't believe in that stuff). I am the exact same way. I care far too much and get myself all upset about things that intellectually I know shouldn't bother me. Especially in regards with people that shouldn't mean anything to me. So, I have no helpful advice but just saying I can relate. And I think locking your computer away is probably a very smart thing to do.
Another idea would be to use FB just for us. Believe me, I've put a lot of thought into it. :P
We're having bedtime issues too Suja, if it makes ya feel any better. You would think the boy would be tired. He wakes up at 6:30am. Yesterday he got home at 4:30, he played and we read a huge stack of books. Then at 7pm when it's bedtime he is bouncing off the walls. I lay down with him, stroke his hair, sing to him, rub his back. Finally I had to leave because he is not settling down at all. For one hour, every 2-3 minutes he would come out of his bedroom "mommmmy I caaannnoottt slllleeeeeepp" For one hour. How are you not tired child?! Do you know how early 6:30am comes around here.
Happy belated birthday Mandy!!
Bridget, dang it I was hoping Kai was all better.
Oh Bridget, when you hadn't posted about it, I assumed that Kai must be getting better. Poor Kai, and poor you! Insurance be ****ed (easy to say, harder to do), but you have to do what it takes to get him the help he needs, and I really hope that you guys get to the bottom of this.
Not that I'm a big fan of self diagnosis, but have you tried something like this, to maybe get some direction on what to look for?
I say delete all the people you don't like on facebook and make sure you have friended the Onion.
This made me LOL!
No I had to send all the suits back. Sucks paying shipping both ways when I'm so used to amazon! I'm just waiting for junonia to come out with the spring 2013 collection as I loved my old suit from them. Good quality and held up in chlorine. I know me and once it starts snowing, I'm not going to be in a hurry to drive around in the dark to the pool and come out half wet anyway.
Sorry for all the bedtime issues. Definitely easy having a dog there....just tell her to go nite nite and in the kennel she goes. As a baby she used to wake me up a lot at night to potty but now sleeps from 11-7 pretty well....and longer if I don't have the alarm going off. Course you all's babies are at least not eating poop....what a nasty phase. Thought I was over that with Molly but this week she did it again. Blech.
I sort of believe in astrology. I'm a Virgo who's pretty virgo-like. Seems like most people I know fit into their signs fairly well. Except my DH who was born on the cusp and exhibits characteristics of both.
Ugh. I don't know why it is so easy to let folks who don't matter get under our skin, but it seems to be an issue for a loooooot of people so maybe it is just human nature. I struggle with it, and even when I do cut annoying and unnecessary people out of my life, I still find it hard to let go of whatever they did that bugged me. But I tend to be a grudge holder.
I'm so sorry Kai is still miserable and itchy, Bridget. I know scabies can become treatment resistant, but it sounds like you're seeking another diagnosis. You feel pretty sure this round wasn't scabies after all? I hope you are able to get some answers soon. You must be so very frustrated!
Oh and my MIL is looking at dogs. I didn't think that it would take too long....I don't blame her, I don't want to be dogless either. Looking mostly at shelters from Chicago to Milwaukee areas. Wants something smaller under 30 or even better under 25 because she will most likely end up in an apartment in a year or so. Plus being in her 60's, doesn't want a big dog that is hard to pick up. But nothing as small as a yorkie or other toy. Not something super high energy. No pugs are super smooshy faces. at least 9 months old but not older than 4 years old. Nothing special needs. Has to be ok with other dogs and kids (since I will be having her grandkid at some point). No super high grooming needs like a maltese.
Mini dachshund was my first thought, besides that they tend to be barkers. But look at this adorable dachshund/basset mix! http://www.petfinder.com/petdetail/24152991
I'm typing on my phone at a hair appointment so I can't reply in depth but I can totally relate to the sleep issues. S has been sleeping in the bunkbed with R the past week by their request and one night he slept great. Better than normal. They woke up in the morning and giggled under the quilts and pretended they were train cars.
The next night he woke up screaming and hit me when I tried to convince him to go back to sleep. I had to move him to the crib. He screamed for an hour and woke up early singing "get me ou-out get me ou-out get me out get me out" tothe tune of Frere Jacques.
The night after that he begged again to sleep with R and he woke up at 3:30 AM and started cleaning the house. I heard little footsteps and caught him putting the Roomba away. He screamed for another 45 minutes when I brought him to his crib and then fell asleep. By that time I had to get up for work in 15 minutes. I've been not very happy with him and his midnight marauding and caterwauling. This is WITH melatonin, a pedi dose per his MDs approval.
It's not just because of the bunkbed. He screams half the night in the crib too. This way though he doesn't scream at bedtime, because he's happy to be with his siblings in the big bed.
She LOVES bassetts (they don't do it for me) but not the size of them. I sent the link. Full doxies are a no go. Though I have to say that my parents one dog is a doxie/chiahuhua mix...neither are breeds anyone in my family likes. But everyone LOVES Chewie. He was found on the street last Nov and after trying to find his family, he ended up staying with my parents.
I have known several doxies and always found them to be loyal, loving and playful. But I know so much is individual preference, and of course, the individual dogs. I'm no fan of chihuahuas in general, but I have met a few I ended up liking in spite of myself.
I can't seem to keep up with you guys any more in this thread!
Myles, your poo story made me laugh. That sounds like something I would do.
A boy in Travis' class pooed in his pants this week according to Travis. He said he had to go home because he was so upset. So, I told him that sometimes happens and to just forget about it (I could see the wheels turning in his head as he was curious as to why it had happened; they are all 4 or 5 in T's class). Any how, the very next day on the way home, I was chatting with Travis about school and he said, "I talked to Mrs. H. today." So, I was all, "that's good; what did you say to her?" He replied, "I asked her why Oliver pooed in his pants." Cue me slapping my forehead while asking him what her reply was. "She said, 'I don't know.'" I've told him that it just happens some times and to stop discussing it because it would make Oliver feel bad if her heard him talking about it.
Bed time is currently quite a calm time in our house.....we have other issues, though! Just see my thread in NM/MIG!!!!
I really shouldn't poke fun. I can't get Conner to go to sleep at my apartment even though he'll go to bed with Daddy and sleep early (without fight!) with him. I can't battle with him about it either since I have downstairs neighbors and they too have kids that need to sleep. So I do let Conner stay up watching his shows and he sleeps on my couch. It's just easier on everyone...and so far, he hasn't fought me about waking in the morning and he doesn't get overly grumpy at school. Sometimes he does in the early evening though. :eyebrow:
I used to have a Frere Jacques song for Bodhi when he was an itty bitty and had pooped his pants...
Are you stinky?
Are you stinky?
Poopy boy?
Poopy boy?
Mommy's gonna wipe ya
Rinse and scrub the dipe-a
Now you're clean.
Now you're clean.
I totally forgot about that until now. :D
Bridget, sorry about Kai's persistent rash woes. Would that you could just curse all the annoying people on FB with that rash so they could draw it all away from him
Haha! I wish Myles! It's not even just the rash anymore. When I push on his tummy he says, "Ow!" and he's been complaining a lot more about it. He is also peeing an insane amount. Today the school called because he had 2 accidents and no more clothes. Also that his teacher wanted to speak to me. So I drove to the school and changed Kai while asking him what was up. He said he didn't want to ask to go again because he didn't want to get in trouble. I asked him why he thinks he'd get in trouble and he said it's hard to explain but he can tell it makes his teacher mad. So she basically told me she knew from his intake form that he was a frequent peeing guy but was not prepared for the 10-12 times a day that he goes. And I get it. It is really hard to believe that he has to go again 7 minutes after he just went but he really does have to go. I used to almost always be able to think back about something questionably gluten-y that he ate when I noticed him peeing a lot but lately it's not clicking for me. I thought when we cut out the gluten it seemed like he stopped needing to go constantly like that but now he's back to it. She's concerned about how he will ever be able to make it through a field trip. I told the teacher he was worried that he was annoying her and that he's pretty tuned in so he can tell if he's being annoying. She seemed a little taken aback by that and said she felt bad that he felt that way.
What is wrong with him you guys????
Bridget, let me try calling my cousin to see if she has any ideas. She is kind of a loon, but a pediatrician, and currently teaching at a university hospital, so it is possible that she knows her stuff. What shall I tell her, besides about his spreading rash, stomach ache, needing to pee frequently, slow growth and possible gluten intolerence? What meds have you tried for the rash that have not worked? Feel free to PM me. I'm guessing that more information would be better.
I can't speculate what's wrong with him, but is there any way the teacher can give Kai a "pass" from having to ask every single time he has to go to the bathroom? The teacher's seen for herself that he's a frequent "go-er". It must get disruptive for her, and Kai seems to have started to self conscious about having to ask. As long as he comes back quickly, that sounds like the better way to go.
I'm starting to bend over with cramps. It's my time (or will be tomorrow, I predict). I get cramps in my back, not my front. Is anyone else the same way?
Suja, I clicked your link to MFP the other day and am trying to wrap my head around IPOARM. Are you following that plan now? I just created an account over there and am starting to read up about it. As I think I've let on before, I like trying out new nutrition/fitness plans just to entertain myself. So just a heads up, I may have some questions for you down the line, if that's ok. Out the gate, I'm wondering if you have to regularly measure your body fat content, and if you use calipers for it vs some other tool?
Also, Suja, do you have a recipe for saag paneer? That stuff is my flavorite whenever I order Indian food. Please add that (or a similar greens recipe if you know of one) to your feast thread if you would indulge my request.
Bridget, I think I'd be demanding that his primary dr refer him to a specialist. I'm sorry. I have no ideas but I'm very concerned as well.
I just did a quick urine test strip for S. yesterday for glucose because he has been drinking like crazy (and yelling at me when I tell him he just drank 3 sippy cups in a row) and peeing like crazy. I couldn't believe I hadn't thought of diabetes yet, with all of his insatiable drinking, but yesterday was the first time he became enraged at me because I told him to hold off on his water. It was negative, but Bridget, if you haven't had any tests for diabetes for Kai, frequent peeing and slow weight gain, tiredness, and some of the other stuff might fit. Also, with everything that's going on you might want to make a full appointment and consider having some bloodwork done. A lot of those symptoms could be a lot of different things, and I know how scary and frustrating it is to feel like something's going on and nobody knows.
Bridget, I'm sorry Kai's not better! I hope you get some answers soon!
I agree with the "this too shall pass" mantra but I do believe another difficult stage is always just around the bend. I don't think people say teenagers are harder than little kids for nothing. LOL
Maybe this is a defeatist point of view but I guess I got tired of hoping he'd just be difficulty free after a while. If I always believe there's another big issue coming up, maybe someday I'll be pleasantly surprised!
I've been mulling something over all day. One of you said if you're arguing with your child you're doing it wrong. Well then I guess we're doing it very wrong! What are some ways you guys get around fighting? (remember this is with an almost 6 year old, not a more easily persuaded baby or toddler LOL)
That's really tough Kate, especially since the pattern has already been established. So even if you could get dh to agree to another approach, Josh is still going to be argumentative because that's what he's used to. I do know that you both would have to be on the same page, consistency is key (rinse & repeat!), and that the older he gets the harder it will be to change. I'm sure you don't want to argue with a teenager. I think it would take someone with more knowledge than I to really advice on that one. Kids emulate what they see though, so it starts with the parents.
We all go through phases in life and it doesn't stop till we die. Not all of them are bad. I know girls go through a 'want to help' phase at just pre-adolescence (about 10). That's a wonderful phase and all 3 of mine hit it. They volunteered to clean and offered help constantly. I can't remember from my human development class if that's true with boys or not. I remembered that one in particular because Bobbie & Jesi were at that point when I took the class, and then I witnessed Syd go through it as well. With Jesi, it stuck. Even though she's developed quite the attitude (whereas her older sister did on a lesser scale), she's still always willing to help out. She's the one getting Conner up and on the bus in the morning, feeding him breakfast and helping him dress. Syd's helpful phase was very short lived. :laugh:
I know there are others but I'm drawing a blank. :P It seems the negative ones really stand out and are more memorable, but rest assured it's not constantly one bad phase after another. To be sure, parenting isn't for wimps. It's tough and I think all good mamas question themselves constantly.
Oh, I didn't mean they were all bad phases! I just mean that another issue would pop up after the big one is over. Like, right now our issue is still bedtime. Once that is over it'll be a huge relief to not end the day with a struggle, but something else will come up.
It doesn't even stop when they're an adult. Bobbie is 19 and she hit her 2nd deer this morning. She's been licensed less than a year and she's hit 2 deer and caused one fender bender in a store parking lot. I worry incessantly about her driving. It's harder for me because she's convinced she's a great driver...but I've riden with her. She's not.
Kate, I remember reading in a book on child development that the late elementary school years - around 8-10 or 11 - are considered a really fabulous life stage. They're past the toddler/preschooler/early childhood stuff where they're asserting their independence and figuring out they have their own identities, their brains are growing to the point they can have really complex and interesting thoughts, and the hormones of adolescence haven't hit yet so they aren't constantly obsessed with boys/girls/whatever. I have found it to be true, working with kids from preschool to middle school age. I really have a special place in my heart for 5th graders because they are so adult like and you can have really fabulous conversations about science and politics and all kinds of things but at the same time they have that childlike sweetness that is completely gone in another year or two. So you can look forward to a couple of years of that when Josh is a little older. In my book they called it "the calm before the storm." LOL! That's just the stage you saw with your girls, Chrissy. I don't think you get that peacefulness back until at least your 30's, in my experience. Maybe not until retirement age for some people!
I am so.fed.up with DH right now I could scream. He's spending all his time worrying about a test for this class he is taking, leaving the dog unsupervised in the gated off family room with food and water freely available, and two days in a row I've come home to a huge pile of poop or puddle of pee. We AGREED to crate the dog if he wasn't supervised, and now he's saying he doesn't think it's right to crate him while he's home but refuses to watch him. So housetraining is completely out the window and I'm not even home to deal with it. I am so angry I could spit right now. And he had the nerve to get upset with me because I - get this - hung up the towel I used when washing the dog on his towel rack. Never mind the fact that I a) washed the dog, and b) hung up the towel. Don't see him doing either of those things.
Poor puppy, I'm taking my frustration with DH out on him and I know that's not fair. I'm at my limit with DH, though.
Thanks for the birthday wishes, girls.
Mandy, I'm so sorry. It's really unfair of your dh to do that. If he's not going to crate her, then he needs to watch her. That should be the end of discussion. I know it's not that easy. I'd be annoyed too. Beyond annoyed.
Syd's post cracked me up:


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Joe Manganiello, who is taking on his next brutish role as Stanley Kowalski in A Streetcar Named Desire at New Haven's Yale Rep, on his theater past, the time he almost got kicked out of school and building the perfect body.
The "gender-flex" star of Hedwig and the Angry Inch talks about her hard-rock image, her uncool other side and her long Broadway journey to Tony glory.September 26, 2014
The Book of Mormon Tony Award nominee Andrew Rannells talks about his latest adventure in drag as the star of Hedwig and the Angry Inch.September 12, 2014
The funny 20-year-old breakout star of Pitch Perfect is making them laugh in Broadway's The Book of Mormon. He stopped by Show People to talk about his already-standout career.August 28, 2014
The star of Disney's newest blockbuster musical compares his career to a turtle crawl, talks about life as a new dad and so much more!September 8, 2014
The Matilda funny lady talks about her surprise Olivier win, career highs and lows, kiddie co-stars, awesome dog and more.July 17, 2014
Tony winner Audra McDonald talks about Will Swenson's "muffin chops," the infamous Lady Day candy incident and what size bra she would need to embrace the title "Mama Broadway."August 22, 2014
Broadway.com Audience Choice Award winner Annaleigh Ashford returns to Show People to chat about her recent wedding, offer some magical dating advice and reveal her nod to Cyndi Lauper in Kinky Boots.August 22, 2013
Broadway good guy Kyle Dean Massey talks about his four popular turns on Broadway, his mice-infested early days of summer stock and dirty Google searches.July 11, 2014
Matthew James Thomas, the title prince in the Tony-winning revival of Pippin, chats about getting knocked unconscious, $7,000 yogurt, and being "#shy" around his girlfriend Jennifer Damiano—plus, he answers questions from fans!August 9, 2013
With plenty of high-profile movies on the way (including Into the Woods) and a stellar turn off-Broadway in Sex with Strangers, Tony nominee Billy Magnussen is on a roll. And dude, he's psyched.August 15, 2014
On his third appearance on Show People with Paul Wontorek, Broadway favorite Aaron Tveit talks about his TV and film work, his passionate fans and the importance of flossing.July 3, 2014
Constantine Maroulis sits down with Show People host Paul Wontorek to talk about his return to Rock of Ages, being a dad and his hair (of course).August 7, 2014


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A Mulligan, in a game, happens when a player gets a second chance to perform a certain move or action; usually due to lack of skill or bitter luck. A "Do-Over". Like getting an "Extra Play" in pinball due to sinking the ball before obtaining an arbitrary amount of points.
If your opening hand in Magic: The Gathering sucks bad; just call "Mulligan", reshuffle, and draw new cards.
por Isaiah Hall 22 de Fevereiro de 2006
When a dating relationship is brutally derailed by submerged emotional issues unknown to either person. If the derailer is allowed a second chance by the derailed, its a Mulligan. Even more so it accompanied by a decent bitch slap.
Wes: Dude, I can't believe all this time I didn't realize I was a sad bastard with ungodly sorrow, projecting my emotional issues on you! Please bitch slap my issues back into my subconscious and give me a Mulligan.
Laura: Fine. Take me to a nice restaurant on Friday night and it'll be fine...SMACK!
Laura: Fine. Take me to a nice restaurant on Friday night and it'll be fine...SMACK!
por ananym 18 de Março de 2013
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The bottom line with Virgos is that they are very good with money. This suits their analytical mind! The accounts will always be in order, and they can really stretch a buck, being as measured as they are. The Virgin also hates to waste money. Having money in the bank is a bonus for Virgos since it will eliminate one more worry! This isn't the most important thing in life to the Virgin but every little bit helps. Virgos will definitely save for a rainy day and don't mind working hard to do so, especially since it keeps them from having to depend on others, a perennial Virgo concern.
The Virgin is also a budgeting magician, someone who knows how to live on little and still have fun. A Virgo can tell you that 'some of the best things in life are free' and really mean it! Virgos are rarely big spenders, hate to borrow, and hate to lend money even more. About the only time they'll lend is to a family member in need or in a case where they're sure they'll get it back.
A regular paycheck is music to the Virgin's ears, and if it's paid weekly, even better. The vagaries of freelance work are quite unkind to the Virgo constitution, believing as they do that a bird in hand is worth a whole lot more. Let someone else play roulette with the paycheck!
The fun for Virgos isn't in spending money, it's in cultivating less tangible assets such as knowledge and friendship. Now that's golden!
Try a free sample of the Big Picture tarot reading and get a look at the possibilities regarding career and finance from Astrology.com.
*DISCLAIMER*: The information contained in or provided through this site section is intended for general consumer understanding and education only and is not intended to be and is not a substitute for professional advice. Use of this site section and any information contained on or provided through this site section is at your own risk and any information contained on or provided through this site section is provided on an "as is" basis without any representations or warranties.


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Colorado Avalanche forward Gabriel Landeskog has won the Calder Trophy as the NHL's top rookie.
The Detroit Red Wings signed Dan DeKeyser to a two-year contract on Tuesday.
The St. Louis Blues have extended a training camp tryout offer to Paul Bissonnette.
Daniel Alfredsson (back) might miss the start of training camp.
TSN's Bob McKenzie reports that there's "no thaw yet" in the standoff between Minnesota and goaltender Darcy Kuemper.
The Montreal Canadiens won't feature a captain for the 2014-15 season.
Eric Gelinas has agreed to a one-year, $900,000 deal with the New Jersey Devils.
Brayden Schenn is the front runner for the job as the first line left winger with the Philadelphia Flyers.
The New York Rangers could name Ryan McDonagh their new captain as early as Thursday.
Leon Draisaitl scared everyone on Friday when he left the ice favoring his right leg.
After undergoing offseason surgery, it appears that Los Angeles Kings goalie Jonathan Quick is just now facing shots in practice environments.
While it doesn't sound like much progress has been made - Columbus Blue Jackets GM Jarmo Kekalainen is leaving discussions to his assistant - at least the Ryan Johansen contract talks have resumed.