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Care of the Aged
Care of the Aged
Hadhrat Mirza Tahir Ahmad (ATBA)
Excerpted from Islam's Response to Contemporary Issues"
The responsibility for care of the aged is gradually shifting to the state. Care of the aged represents a heavy burden on the national economy. However much a state is ready to spend, it can never buy them peace and contentment. The most terrible feeling of having been rejected, left out and abandoned, and the most painful realisation, of a growing void of loneliness within are problems beyond the reach of many to resolve. To consider that a comparatively remote relative would ever be taken care of by the rest of the family has become almost impossible to imagine.
In such societies, the need for homes for the aged grows with the passage of time. Yet, it is not always possible for a stage to apportion enough money to provide for them even the minimum requirements of a decent life. Physical ailments are much easier to cure or alleviate but the deep psychological traumas from which a considerable number of elderly members of modern societies are suffering, are far more difficult to treat.
In predominantly Muslim countries, however much values may have deteriorated, the condition which prevails in the rest of contemporary society, is unthinkable. It is considered a disgrace and dishonour for the old and aged to be treated with such disrespect and callousness. It is a matter of shame for most Muslims to hand over the responsibilities of elderly relatives to the state even if the state is willing to look after them.
As such, the role of a Muslim woman amidst her home and family is far from over with the coming of age of the children. She remains deeply bonded to the past as well as to the future. It is her kind and humane concern, and her innate ability to look after those who stand in need of care, which comes to the rescue of the older members of society. They remain as precious and respected as before and continue to be integral members of the family. The mother plays a major part in looking after them and providing them with her company, not as drudgery and tedium, but as live natural expression of human kinship. Thus, when she grows older she can rest assured that such a society will not eject her nor leave her abandoned as a relic of the past.
Of course, there are exceptions in every society and there are old remnants of the past considered as tiresome burdens in some Muslim families living under the influences of the so-called modern trends. But one the whole, Muslim societies are relatively free of homes for abandoned parents unlike other societies.
This reminds me of a joke which may make some people laugh yet move some others to tears. Once a child observed with much pain and unease the ill-treatment of his grandfather at the hands of his father. He was gradually transferred from a well-provided and comfortable main bedroom to a smaller and less convenient accommodation until it was finally decided to remove the grandfather to the servant's quarters. During an exceptionally severe winter, the grandfather complained of his room being too chilly and his quilt being too thin to make him feel warm and comfortable. The father started looking for an extra blanket from a stock of old, useless rags. Observing this, the child turned to his father and requested: `Please do not give all the rags to grandpa. Keep some for me so that I may be able to give them to you when you grow old.'
In this innocent expression of a child's displeasure is concentrated all the agony of the older generation in modern times.
In Muslim societies, it is as rare to find such exceptions, as it is rare and becoming more rare to find exceptions in modern societies amongst relatives in their treatment of the old. Muslims are taught:
Thy Lord has commanded, `Worship none but Him, and show kindness to parents. If one of them or both of them attain old age with thee, never say unto them any word expressive of disgust nor reproach them, but (always) address them with excellent speech. And lower to them the wing of humility out of tenderness.' And say, `My Lord, have mercy on them even as they nourished me (when I was) a little child.' (17:24,25)
These verses are the most significant on this subject. After the Unity of God, human beings should, through their attitude of love, affection and kindness, give priority over all other things to their parents who have reached an old and difficult age.
Further, the verses speak of situations when the behaviour of one or both of the parents becomes extremely trying and sometimes offensive. In response to that, not even a mild expression of disgust or disapproval should pass one's lips. On the contrary, they should be treated with profound respect.
The emphasis on the most excellent relationship between one generation and another slowly passing away guarantees that no generation gaps appears. Such gaps always interrupt the transmission of traditional moral values.
Islamic social philosophy, therefore, teaches that no generation should permit a gap to appear between it and the outgoing generation and between it and the future generation. Generation gaps are totally alien to Islam.
As stated earlier, the family concept in Islam is not limited to members of a single home. The following verse instructs Muslims to spend not only on their parents but also their kith and kin who are mentioned next to parents in order of preference so that their sense of dignity is not injured and mutual love is promoted.
Worship Allah and associate naught with Him, and show kindness to parents, and to kindred, orphans, the needy and to the neighbour who is a kinsman and the neighbour who is a stranger, and the companion by (your) side and the wayfarer and those who are under your authority. Surely, Allah loves not the arrogant (and) the boastful. (4:37)
If contemporary society learns the lesson from those injunctions, many problems which it faces today and which represent a blemish on an advanced society, would cease to exist. No elderly homes or homes for the aged would be needed, except for some aged people who, unfortunately, have no close relative to look after them. But in an Islamic society, the love between parents and children is so repeatedly emphasised that it is impossible for a child to abandon his or her parents when they grow old for the sake of his or her own pleasure.
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In this week's TV roundup, a vampire and her maker breakup on True Blood, "Imma let you finish" comes full circle, the Alabama Shakes shake up Late Night and Sarah Palin sure loves her guns.
1.) Your Newest Ship: Nellie and Blake from The Glee Project
Let me let you in on a secret. I unironically like The Glee Project. It combines teenagers, singing, earnestness and Zach Woodlee — all delightful and entertaining things. And then there are adorably cheesy moments like this. FYI, a brief search of the web shows that the kids of Tumblr are on this Nellie and Blake thing like white on rice.
2.) Jay-Z interrupts Kanye mid-speech at the 2012 BET Awards.
Yeezy has a point. He was defending Beyonce, after all.
3.) Inside Conan is a real romantic.
You just have to dig through several layers of ham to find him.
4.) How come no one brought up that Drag U is back?!
I apologize. The only person I should be mad at is myself.
5.) Vampire Eric releases his progeny Pam on True Blood.
You know, this show has gotten so fucking goofy that I almost forgot how handsome ASkars is. ALMOST.
6.) "Walking to Work" with Scott Aukerman and Reggie Watts
Yep. Very normal and straight forward.
7.) No surprises here. The Palins love their guns.
When Sarah Palin guns down wolves from a helicopter, why shouldn't she use a gun that's also an adorable accessory? Also, Happy Birthday, Sarah!
8.) BrandX goes from bad to worse.
9.) A workplace email gaff on The Newsroom.
Guys, Will's not an asshole. He's just a jilted lover and, whoops, everybody knows it.
(P.S. He is also just an asshole.)
10.) Let's ring in the weekend with some Alabama Shakes.
Do they come any more rock and roll than Brittany Howard?

subset: commoncrawl


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Pop of color.
One shade darker.
Same color.
Updated 12/27 -- We painted our front door! Want to see how it turned out? You can see it here.
I love painted interior doors! Excited to see what you choose!ReplyDelete
I'm kind of leaning toward blending it and doing a shade darker than the wall color. But would you black? I think black might be good. Seems like the room gets a lot of light too so that's good. Keep us posted!ReplyDelete
First, your entrance with the board and batten completely sold me. I am trying to figure out where to do this in our house. You did a great job. Second, I think the painted interior doors is fun. I painted our interior door a dark gray (our walls are a blue/gray, kind of like yours). We had the gray from a different project and it was similar to the shade of gray in the curtains that are on the windows that flank the door. I like the idea of keeping it a similar color but a few shades darker. I look forward to seeing what you pick.ReplyDelete
Hey, Jenn! Yes, no matter what color you choose, painting the door will look awesome! I'm such a convert now after having done the inside of our front door. Hmmm...all good options...I think I'm liking the darer than the walls blue idea. I never would have thought of thought. I think black would look good as well. How soon do you see the rest of the stuff you've got going on in this room changing? If not for a while, then you'd be safe going with the blue. Still crushing on that entry/mudroom of yours!ReplyDelete
We're doing gray in our bedroom (doors, wardrobes, and trim) and so far it looks pretty sweet. It's BM Dragon's Breath. It's a really nice color--not too dark. So that would get my vote. I think it'd look nice with your black accents in that room and white trim. I LOVE that gallery wall:)ReplyDelete
So many good options Jenn! Have you tried a little "photo shopping" to see what looks best? Another trick I use is to hang the large samples of my chosen paint colors to see what "lives" the best during the various light conditions. Do you have access to those? If not let me know, I can order some for you! I think you could pull off something darker here, maybe not black but charcoal...just sayin'
Simplicity indeed the best way to decor a house. The paint blends well on the room that provides relaxing ambiance to the place.ReplyDelete
Great minds think alike. I've been toying with the same idea of painting interior doors an interesting color. But, like you, I'm a little reluctant, even though I am usually brave about color changes. Will it look distracting? Will it look cheap? Unfinished? Like a Kindergarten room?
And, how would I talk my husband into the change? Hmmmmm...
I wrote a tutorial about how to paint your front door that might have some helpful tips for you if you decide to go ahead.
Keep us posted on the results, too.
I have been wanting a black interior door forever! I love painted doors-they are that unexpected pop of color in a home. Can't wait to see what you do:).ReplyDelete
Hmm... That's a hard decision! I'm not sure what I would pick. I think I like the idea of 2 shades darker the best. =)ReplyDelete
Great job here. I really enjoyed what you had to say. Keep going because you definitely bring a new voice to this subject. Not many people would say what you've said and still make it interesting. Well, at least I'm interested. Cant wait to see more of this from you.
painter phoenix
I think if you go with the 1 shade darker or the Black, both would look great.
first time I comment on your blog but I really felt like sharing my opinion :)
Love your Blog!
I love the idea of black, or dark charcoal, I think it would compliment your gallery wall well. I painted my interior and front and back doors and love them with my light colors. Have fun!ReplyDelete


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New Zealand's No.1 Luggage Site
We are a 100% Kiwi-owned business based in Tauranga. Our focus at luggage.co.nz is to provide NZ with the best and largest selection of Luggage and Accessories including Suitcases, Backpacks, Travel Bags, Kids Luggage, Wallets, Adapters and much more. Our aim is to help you find the perfect piece of travel luggage to satisfy your specific travel needs!
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Happy Travels!


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Would you like to play a role in Creating the Future of World Trade?
Dubai, UAE: DP World, Ltd. (DP World) alerts job applicants and the public about a fraudulent scheme in which DP World has been impersonated.
One of the red flags that distinguishes a false communication from a legitimate DP World communication is the poor grammatical use of the English language, which is apparent in conversations with the scammers. Another red flag is the method of communication as DP World does not use commercially-available e-mail providers. No legitimate DP World communication would come from a common, publicly-available email service like Gmail, Hotmail, Yahoo Mail or Microsoft Outlook.
Further, false communications can also be identified by the tasks requested by the scammers. DP World does not request that its employees pay vendors personally, whether from their own funds or from funds provided by DP World. Likewise, DP World would never ask an employee to cash a check or money order and then make a deposit into a vendor's account.
Contacted individuals should not respond to any communication regarding the scam, and under no circumstances should any individual deposit any checks, money orders, or other payments from the scammers into their bank accounts. If such funds are for some reason deposited, no payments should be made from those funds for at least seven (7) days after the funds are deposited to ensure the individual's bank has accepted the check, money order, or other payment.
DP World encourages potential employees to refer to its website and its "Careers" section if they are seeking employment with DP World.
If you have any concerns about the authenticity of any correspondence or documents that purport to be issued by DP World, you should direct your concerns to DP World at email@example.com.


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Interactive Theatre International presents… Faulty Towers The Dining Experience
Book now for the world's longest running and most successful tribute to the BBC's iconic sitcom in London's West End, the one-of-a-kind original that's internationally recognised as 'outrageously funny' (BroadwayBaby) and highly acclaimed by audiences and critics alike.
This is the show that started it all 22 years ago and still rules the world to this day – the comedy spectacular that helps you step inside the TV show and see it from the inside out! Highly interactive and fully immersive, it's 70% improvised, tempting audiences to play with Basil, Sybil and Manuel as they serve a 3-course meal. With two hours of comedy, three courses of food and five-star reviews, expect chaos, laughs, and a brilliant night out – or lunchtime!
Faulty Towers The Dining Experience is a proud member of TripAdvisor's Hall of Fame, specially reserved for holders of TA's Certificate of Excellence for five years on the trot. With over 22 years of continuous critical and audience acclaim and having just sold its millionth ticket, it is clear that this is officially the world's most sought-after tribute to the BBC's Fawlty Towers and the most successful interactive comedy show of its kind.
'Deliciously entertaining' ★★★★★ What's on London
'Fantastic!' ★★★★★ What's on Stage
'Absolute genius… Smart, aware, clever comedy. Five stars - full house - it got a standing ovation from everyone. I can't think of a better night out for everybody - kids, parents, grandparents and everyone in between. In terms of this sort of a show, I think it's the gold standard... and it'd make a great gift - give this to the people you love, they will thank you for it.' ★★★★★ The Break A Leggers
You can book from 01-Nov-2020 to 20-Dec-2020.
Running time
2hrs 00mins
Your ticket includes 3-course 1970's style meal and 2-hour comedy performance. The venue is licensed, and beverages will be available to purchase at an extra cost.
In order to gain entry you must present a printed copy of your voucher.
Strictly No Photography or Filming is allowed
IMPORTANT: If you have an allergy to nuts, whether airborne, through ingestion or physical contact, please let us know and confirm the nature of it at least 72 hours before the performance. If we are not made aware of this until the performance date, the hotel and ITI reserve the right to refuse admission. Please note that we also have a gag in the show that involves peanuts, if we are aware of your allergy we will source a reliable nut free alternative. However, please note that even the manufacturers of this cannot guarantee that their product may not contain traces of nuts.
Find out more about the venue for your show: Directions, Transport options and facilities.


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The Central Connecticut women's track and field team completed day one of the New England Indoor Championships in Boston, MA on Friday. Junior Krisztina Dearborn completed the 5,000 meter run finals race in fifth place in a time of 17:20.26, shattering her own CCSU record of 17:29.59 set earlier this season.
Junior Shelby Tuttle, the CCSU record-holder in the 60 meter hurdles, placed 12th in the event with a time of 9.10 seconds. Her time qualifies her for Saturday's final competition. Tuttle was followed by senior Dara Edge who crossed the finish line in 9.42 seconds for 29th place.
In the 500 meter dash preliminaries, sophomore Chantelle Deer narrowly missed qualifying for tomorrow's match-ups. Deer crossed the finish line in 13th place with a time of 1:18.38, just .38 of a second behind the final qualifier.
In the 800 meter run, sophomore Taylor LePage crossed the finish line in 2:22.82 and was followed by freshman Ally Gates in 2:27.23.
Also competing for Central on the track was senior Rachel Dombroski who ran a time of 26.24 seconds in the 200 meter dash preliminaries.
In the field events, freshman Chelse Terry placed 22nd in final weight throw competition. She threw for 13.63 meters.
The Blue Devils will resume competition tomorrow, Saturday, Feb. 23, at Boston University in Boston, MA.


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really really really rushed
Love it!
I'm pretty sure its the "throw up blood in a sweet and positive way"!
Nice meme, but I'm not sure if I understood #12
Come on Box. You can do eeeet! Make a proper version.
How sketchy!
(look ma, I made a pun!)
I read sister claire too! Only I found out about it through BCB... there was this ad that said "so you like cats?" with sis. claire on it...


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text: Better bare-faced: Why I'm not wearing makeup at the wedding #Fashion Advice#makeup Updated Oct 12 2015 (Posted May 22 2014) Guest post by Laura M Is this as far as your wedding day makeup plans go? I've always been freckly, from the time when I was a little kid. Lots of people have struggled with freckles, but I LOVE mine. They are so much a part of my face that I hate to cover them up. They come out more during the summer when I get more sun (duh) but they're always present. I also have sensitive, fair skin. A lot of products (scented, too many chemicals, whatever) just make me uncomfortable and itchy. As I grew up, I experimented with makeup. I'll be the first to admit that I'm a sucker for those cute little tubes and bottles. I probably own more makeup than I will ever need. I loooooove makeup. I just don't necessarily love it on my face. There were two major factors that led me to the decision that tinted lip balm and maybe a coat of mascara would be the only makeup-related prep points on my to-do list… Me with makeup, and without. Number one: When I wear makeup, I just don't feel comfortable. A lot of foundations make my skin itch or feel oily, and I always worry about touching my face and mussing it. Add to that the fact that the wedding is going to be outdoors in June and I'm a crier, and you have a recipe for a stiff and preoccupied wedding face. Number two: I really like my face as it is. In fact, I think I'm prettier bare-faced than with makeup. Is it possible that this is due to my inexperience with cosmetic application? Sure. Am I super motivated to learn to contour? Nope. My natural state is makeup-free. It's worked for me for 26 years. While I like to experiment sometimes, I realized that if I "did my face" for my wedding I'd be doing it because I felt like I should, not because it would be fun or make me feel more beautiful. Anyone else going bare-faced for their wedding day? Guest post written by Laura M I am a culinary librarian in the Indianapolis area. Love cats, books, whiskey, and getting out of the Midwest every once in a while. http://pinterest.com/lauran8r PREVIOUS Danielle & Tony's sharks and dragons aquarium wedding NEXT Save paper: make these digital wedding programs Show/Hide comments [ 70 ] Thank you thank you thank you. I've struggled with my feelings about make-up for years now. I don't wear it. I don't feel like me if I do. I want to be able to wake up in the morning, and know who is in the mirror. I like the way my face and skin look (most days 😛 ), and I don't want to sacrifice that to be majorly painted up for a special occasion. A bit of mascara and lightly colored lip balm, and that will be perfect. That's me, this is my face, this is my happiness. (Disclaimer, that is not to say that people who do wear makeup are inherently doing it wrong, just that I feel like I'm lying about who I am if I wear it) Reply I do add eyeliner via the cat eye look- because the 1960's rocked it hard core- but totally with everyone on here against foundation. Reply I never wore make-up growing up for similar reasons. Even if it was "light" I knew it was there and that alone caused me to itch and fuss with my face. Now, I'm so used to not having makeup that I don't feel a real desire to start. I like my face, I recognize myself, and makeup will feel like a time AND a money suck. My wedding was make-up free and I'm happy with that. I grew up with terrible acne and rather then feel like I needed to hide it, makeup just irritated my skin more. So not only did my face hurt, now it itched. I've learned to appreciate my natural beauty now. Reply Definitely the amount of makeup (or none at all!) that makes you feel comfortable is best. You mentioned being concerned about messing up your foundation with hands or crying your makeup off, so I just wanted to put this out there for people like myself who are wearing makeup despite those concerns: there are a lot of products designed to "set" your makeup and hold it in place. I have one by Skindinavia that is freakishly effective: after being drenched in sweat from a long weightlifting session and 2 mile run, my makeup was still in place. Reply I feel the exact same way about my freckles!! The only thing I wear on my skin is Aveeno BB cream because it's SPF 30 and the slight tint to it evens out my skin tone. Reply I've heard that brides should avoid SPF moisturizers on their wedding day, because of the pigmented reflection that it causes in the photography. or "ghost face" as the professionals describe it. Reply I've heard that this only applies to certain SPF ingredients – best thing is always to try out any makeup and take sample pictures. If it looks fine in the practice photography, I'd say a light BB cream would be a gorgeous look, so go for it! I love the look of freckles anyway. Reply Sorta feel the same way. Usually a swipe of powder (my face is super oily) does it for me. But I have some pretty severe acne scarring on my cheek that I just feel super conscious of, and didn't want it to be a concern during my day. My solution? Hired an airbrush makeup artist and invested in some Urban Decay setting spray (my best friend wears it and no matter what, her face is flawless. I'm talking miles of hiking and she looks like the cover of a magazine). The trial run seems to be good. At the end of the day, feeling comfortable is what's important. You'll have more fun and when you see photos of the day later, you won't think "wow, I look so unahppy". Reply How did the Urban Decay setting spray feel? I heard it feels sticky, and I don't have the clearest skin so I've always been hesitant to try it. Reply you go girl! I'm not wearing makeup either and I'm doing my own hair! I'm also wearing a sundress instead of a bridal gown it's barely white and cost $40!!! yay offbeat women! Reply I actually do think I look better with makeup, but I still don't wear it often (I did, however, wear it for our wedding, because I wanted to. I felt better about pictures that way and that's OK). And that's for the same reasons – it makes my face feel oily and gross. And what's wrong with how I look naturally? Even if it isn't as socially-determined-as-beautiful as I do with makeup? Men go about with bare faces all the time and nobody thinks "he'd look better with a little foundation and eyeliner"! What I hate is not only the assumption that you must wear makeup on your wedding day, but that women should at least wear a minimum of makeup every day…why? Is our actual skin not good enough? That's not to say there is anything wrong with makeup, just that I don't see how people think it's a necessity just to be seen by the world. Reply I only recently started experimenting with wearing makeup after going 15+ years without. I see it as a form of self-expression, much like getting dressed. But when it's not appropriate … I don't wear it. I don't wear big sparkly earrings to the gym or the grocery store, why would I bother with makeup? (I do get for some women that makeup is part of how they choose to express themselves. If that's you, comment-reader, rock on!) Reply Exactly – an optional mode of self-expression available to you if you want it. It gets problematic when it's seen by society at large as the baseline requirement. Reply I'm not a person who wears makeup in my day-to-day life as a scientist at all. I really can't stand foundation or lipstick, the feeling of them on my face just bugs me. Sometimes for "fancy" occasions I'll throw on some under-eye concealer and mascara. So that's what I did for my wedding – eyeliner, mascara, concealer! And since it was an outdoor summer wedding, also powder. Honestly, I probably could've stood to powder my whole body, the sweat in a corset-style bra + wedding dress was unbelievable. Do what makes you feel comfortable and pretty, whether that's professional makeup, a touch of makeup for fanciness, or no makeup! I do recommend taking a few photos in whatever lighting/makeup choice you're going with to make sure it looks how you want. I wasn't gonna wear any mascara, but photos did sway me on that one, once I saw how I looked with vs. without. Reply I am also not wearing make up. I hate make up. Wearing make-up to me is a reminder of dozens of battles as a child and a teenager to look girly – or whatever my mother's interpretation of girly was. She loves make-up and hair; I have been known to skip brushing my hair if I am not leaving the house. My mother puts on make-up to mow the lawn (no, I am not kidding about that). It was a constant battle in our house from about 12 years old on. And so to this day, I loathe make-up. Nothing goes on my face except sunscreen (30-70 spf) depending on activity and tea tree oil wipes to get the sunscreen off before bed. It will be a make-up free day! I am however going to have my hair done – mostly because I fell in love with this sparkly crystal pin and my own "brushed down or ponytail up" skill set will in no way shape or form support the sparly clip I want in it. Last night I broke down over "trial runs" with hair people, and the FH calmly looked at me, "MOH's hair looked great at her wedding 2 years ago. Just hire whoever she did and tell him you want the same thing. You won't even have to go have a trial run." So logical. I wish I had thought of that. I may decide we need the trial run, I may not – but I am happy with this decision. Reply I have hyperhydrosis (I sweat a lot, really easily. stupid easily), cry easily (and the day of, I will cry A LOT) and I have super rosy cheeks that don't even hide under foundation, so the idea of wedding makeup to me is a bit of a joke. I could never pull off that magazine-quality, professional makeup. I plan on wearing eyeliner, mascara and false lashes, and my normal CoverGirl Clean makeup "foundation" and powder. and my go-to Cotton Candy flavoured/tinted Lip Smacker 🙂 I've recently heard about primer and setting spray, and all that jazz. I don't know enough about it to know how to use it, but I'm going to try to read up on it and see if it's worth the expense and effort! Reply Primer is good for eyeshadow (depending on the primer) so it doesnt crease after a few hours but if you have sensitive skin, I would not recommend for your entire face. As far as setting spray, Ive never felt that it was worth it considering if I just wait a few minutes, my make up sets on its own lol but if you would like to try it, go for it! Reply Yay for your confidence! One thing though, there are plenty of foundations/tinted moisturizers out there that can hide imperfections and even out your skin tone without covering your freckles. Reply I never wear makeup. Since moving out of my parents' house (and away from my mother's opinion), I haven't worn a drop of makeup. But I *knew* she was going to ask me to for my wedding, and I pre-freaked out about it before she said anything! Would it be "selling out" to wear makeup on my wedding day? Did I really want to? Then suddenly I had an unprovoked "aha" moment where I realised that as long as it was subtle, I did actually want to wear it. So I did! I looked gorgeous, as usual, and all was well. Not that I needed to "fake" myself for the wedding, but for me, makeup is up there with "big fancy dress" and "curled hair" in my list of things that I would never do normally, but are fun to dress up in. 🙂 Reply I love my freckles too, and wouldn't dream of covering them up for my wedding! I wear little to no make-up on an everyday basis – just a bit of concealer, some light eyeliner, and a mostly nude eyeshadow. I find wearing anything much heavier just makes me feel goopy and a bit itchy, and it's not worth it for me when I'm just sitting at work. For the wedding I'll likely step it up a bit, but considering I'll be outside in August all day, I don't want too much on my face. I'm planning to invest in a light foundation just to help even up some of the redness in my complexion, and I'll probably wear eye make-up that's a bit more noticeable. Since I don't wear much day-to-day, I want to make sure I still look like myself and feel as comfortable as I possibly can. Reply Its so refreshing to hear a woman like herself just as she is without any hesitation. Its also nice to hear it said in a non-judgmental way without a hint of superiority. Its a personal choice about what works for you and feels right and I applaud you. I hate the conversation around not wearing makeup right now. It seems very fabricated as if to say "you are so brave to not wear makeup in PUBLIC" el scandalo! I'm so happy that you are going to feel beautiful at your wedding and that you made a choice for your body that is right for you. Reply I didn't wear makeup to my wedding and I've never regretted it. I also wore my glasses despite several people trying to get me to wear contact lenses–which I've never worn. My philosophy was that when I exchanged vows with my groom, I wanted him to see the face he fell in love with and he'd always seen me barefaced with glasses. Reply Love this! While I did wear some minimal makeup at my wedding, I rarely do on a day to day basis. I have nice skin, pale with some good color and a splash of freckles across my nose. I have some (mostly older) coworkers who have commented on the lack, but mostly in the vein of "I'm so jealous of your young skin". The most important thing at your wedding is that you feel that you look like your best self. Reply I should also add that we're not doing professional photography and my fashion philosophy is "comfort over everything" (seriously, that would probably be my graffiti tag if I had to pick one) so this decision was kind of a no-brainer for me 🙂 I am so glad that nobody felt like there was a judgmental tone in the post, though. There's been so much negativity floating around on the internet at large over the to wear makeup vs. not to wear makeup thing, but I shouldn't have worried because OBB is awesome! That said, I admire the heck out of all you ladies (and gents) who do AMAZING things with makeup and rhinestones and eyelashes. You look bang-up gorgeous. Reply Hi Laura! I'd like to make a teeny suggestion. I, too am a not-so-makeup-y person (BUT THE COLORS! SO MANY COLORS!!) and I know that I'm usually a shiny mess after, like, and hour. My suggestion to you would be some blotting paper. It'll help keep shine at bay without actually adding anything onto your face. It sops up oil like powder would, but without the itchy/cakey mess that can sometimes happen when sweat hits powder. You can get blotting papers almost anywhere you can find cheapie makeup (local drug store, target, etc.) Either way, I hope you have the besets wedding day ever! Reply That's what I liked about it. I love make up, but I don't like when people talk about not wearing make up in a way that's really negative to people who do wear it. Reply Tipp for (almost)-no-bother eye-enhancing, dye eyelashes: I also don't wear any makeup and I feel like mascara irritates my eyes and what's the bigger problem: I never wear it, so I never remembered not to wipe at my eyes when I did. But I also have really light lashes. So my solution is to get my eyelashes dyed. I do it when I remember it, and I'm not super good at keeping up with it, but when it's done I don't have to worry about it for a while. It doesn't have the thickening effect of mascara, but for me and my relatively long but light eyelashes the before-after effect is definitely very noticable. It takes about 15 minutes (10 minutes for the color to set) and it can burn a little bit, but it doesn't always. I've never had by brows done, but they also offter to pluck and/or dye those too. Reply I'll be wearing makeup for my wedding, but I recently realized I don't want someone else putting it on me or choosing my colors. It feels … kind of creepy. And, like you, not "me." So I'll be using my own daily makeup with a few more dramatic additions, and having fun putting it on my own dang self. Of course, I'm a pale skinned redhead. I adore my freckles and never cover them up, but I don't *have* eyebrows and eyelashes unless I draw them there. Reply I always wear a good moisturiser/sunscreen. When going out I might put on lippie or a bit of eyeshadow I even own clear mascara so it can't run, as that's the only places I don't sweat! If I get married I won't be wearing make up. It's just not worth it. Reply might I suggest a lip stain? you can get them in lighter colors and they don't come off as easily as tinted lip balm, victorias secret makes one that goes on like a gloss and dosen't dry your lips out. also, have you considered getting eyelash extensions? they last about a week so you could get them done a few days before and then you wouldn't have to fuss with mascara. 🙂 Reply Like Colleen and Laura M I'm a freckled redhead who also wears glasses – but with the added pain of being in my mid 50's and I've just had the same conversation with my hairdresser today (grey touch up and practice for the put-up hairdo which I need cos if I get a hot flush my hair will look like I've been in a shower in less than 2 minutes flat!) She has mentioned that their beauty salon does a eyelash dye & "perm" which helps give a "wide eyed" look without the mascara or falsies so I'm going in tomorrow lunch for a chat with the beautician – apparently it last for 4-5 weeks (wedding is 21 eeeek days away!)… if I decided to go for it then I'll take a before and after and let people know what I think. Normally I never wear foundation, at max a bit of blusher, some eyeliner and touch of mascara and I always eat my lipstick within 10 mins of it being on so I guess I'm not going to be going for much else in the makeup-line either … My excuse will be that the Victorians didn't slap it on (to my knowledge, and this is my theme) and so I'm not going to either LOL Reply I'm in a similar boat – older than average bride but with freckles and glasses. I may look into the lash tinting, too, because it sounds so much better than having someone come at my eyes with a gooky bottle brush when I'm already sleep-deprived the day of the wedding. Despite my rocky relationship with my freckles when I was younger, I've accepted them and don't bother to use tattoo cover-up on them anymore. I rarely wear make up (mainly because eyeshadow gets in my eyes and causes rashes at the corner of them – no matter how new the pack) – the most I'll wear is some lipstick. Fortunately, I look pretty made up with just that. And you are right, DennyWench – only whores/actresses wore face paint in the Victorian era. A proper lady pinched her cheeks and bit her lips to give color to her arsenic-caused paleness. 😉 Reply "I really like my face as it is." T.H.A.N.K. Y.O.U. Reply Yay! I really like my face as it is too! I didn't and don't wear anything on my face at large, I wore lip stain and eye shadows because I'm a painter and I like colors and I like to paint my face with colors… and it was fun, just like the rest of the day 🙂 Reply Admittedly i wore makeup for my wedding as my skin is usually itchy with excezma, but i found a makeup artist who did really well with a very light base to even the skin tone and bring my eyes out <3 i normally hate wearing makeup but i love putting stuff on for my eyes so the most details went to my eyes ^^ Kudos to you gals who wear your natural beauty, i just know you'll look knock-out gorgeous on the day!~ xo Reply I'm still undecided about this… my mother thinks that "of course" I will have my hair and makeup professionally done. But my normal regimen is tinted moisturizer, chapstick, and a ponytail or braid, so I think I would feel artificial in heavy makeup and fully done hair. More importantly, I don't want to spend the hours before my wedding with someone I've never met who is engaged solely with a part of me that's peripheral to the purpose of the day. However, if I go the tinted moisturizer / chapstick / ponytail route on my wedding day, I'm likely to regret it. My hair will frizz, or I'll be breaking out, or I just won't feel, I dunno, bridal enough. Which leaves me with the options of (a) learning to do a bit more primping on myself, (b) finding a friend or family member with whom I have a very solid relationship who can do it, or (c) finding a professional I feel reasonably certain is not going to make me look overdone. I'm still very undecided about what I'll actually do. Reply I went the (almost) no make up route at my wedding. I wore mascara, a really light eyeshadow and lip gloss. I don't wear make-up in my day to day life, and I didn't want to feel uncomfortable during my wedding. My partner was totally on board with this and told me to make sure to tell my sister (who was doing my hair and "make-up") to go easy. I am so happy I made this choice and felt comfortable all evening, not having to worry about messing anything up. Reply This is kind of what I want to do, but I'm worried about how I'll photograph. Do you have pics? Were you happy with how you looked in photos afterward? Reply Photoshop is a wonderful thing. Makes any shine go right away! I hate foundation, so if my forehead is shiny, well, there's an app for that! ? Reply I'm going to jump in here even though makeup is a completely foreign concept to me. I wore makeup once in high school (I think it was just mascara and eye shadow but I really have no idea), because my friends really wanted to put makeup on me, and I hated it. I can't stand the feeling of it on my face and I'm a compulsive eye-toucher, so I kept getting it all over my fingers. I never wore makeup growing up, and neither did my mom, so we never even had makeup in the house. I never learned to use it at all, and I'm totally okay with that (no judgement towards people who do use makeup, it's just not me). I think on my wedding I might have worn lip gloss? I honestly don't remember. I think it may have just been lip chap because the ceremony was outside in the winter and I didn't want my lips to dry out and start hurting. My sister-in-law wore makeup to her wedding, but she also never wears makeup normally, and her pictures honestly look like someone else. It's so weird to me. I mean, I think she was happy with that, and that's fine for her, but I didn't want to end up feeling like all my wedding pictures were of someone else with my husband! (I'm also really really opposed to the idea that women in professional settings have to wear makeup because ugh guys don't hello sexism, but that's another topic.) Reply Kristine, I have *so* much trouble with the "makeup in professional settings!" I'm working on getting a better job at the company I work for, which is part of what caused me to start playing with makeup, as well as having to upgrade my wardrobe. And you're right – I realized it's part of the game for women. I resent it, but I do it, because I present as femme enough to play the game. It Should Not be necessary, though. Reply Yeah, I'm trying to work my way into the professional world now. I'm hoping more business-like clothing and good hair will save me from having to wear makeup. I also acknowledge that I have an advantage over some people in that I look pretty presentable by society's standards without makeup (I have pretty good skin, dark eyelashes, etc.). It would be way harder for me to go makeup free if I didn't already partially match society's dumb beauty standards. Reply I get chapped lips no matter what weather or the amount of water I consume, or anything unless I have chapstick. Unfortunately with kids- they always seem to want to eat the stuff. :\ Reply If you haven't already, you may want to experiment with different kinds of chapstick. Petroleum-based products are designed to seal in moisture, not provide it, so you may have better results with more "natural" lip products. I've found that I get best results for me with B Complex (because a B deficiency can also cause problems with your lips) and a little hand lotion (I use Cerave). Reply I agree with Cassie! I used to have chapped lips, but now swear by coconut oil. And Chagrin Valley Soap & Salve lip butters. Reply Another thank you from me! I have been stressing out about this so much. I've only worn make up maybe four times in my life and it felt like a disaster each time- even when it was done by people who are very skilled with makeup. I keep thinking makeup is required, but, seeing all these comments…I may just forego it. 🙂 Reply Not to insult anyone, but for me you wear makeup or you don't. When some of you said "I will not wear makeup on my wedding day", I thought "yeah, you go girl", but then you follow up with "only mascara and eyeliner" or something like that. That's makeup, isnt it, so you won't ve makeup free, but wear little makeup. For me, I "only" wore mascara and eyeshadow, but I wasn't makeup free. Do what make you comfortable, wether it is little or no makeup ( but as always, no means no:p. ) Reply I think it's all subjective. The "traditional" bride idea is to have a professional apply a full face of makeup. Primer, contour, concealer, foundation, balm, liner, lipstick, liner eyeshadow, mascara, powder, setting spray. To the women who wear their makeup like that regularly, or to a makeup artist, a simple gloss and mascara IS the equivalent of not wearing any makeup at all. When I read someone saying that they will only apply mascara and gloss, it doesn't conflict with them saying that they will me makeup-free. Compared to a full face application, they are right. :p Reply This is excellent. I also don't see any difference in the two photos. Reply I LOVE this FB/blog/web site. I've re-linked it a couple of times on my own blog. In particular, I love your attitude…your style. If you don't want to wear make-up, then don't. Your own true self is what he is marrying you for…and I personally find that particularly beautiful 🙂 Best wishes and congratulations 🙂 Reply Way to embrace the freckles, you look beautiful! Reply The biggest difference aside from teh freckles in those two photos posted is the sheer seduction you're giving the camera without makeup. It screams self confidence, and "come hither". Yay for self confident freckles!! Reply I really wanted some makeup for my wedding because I knew that even a little would make me look better in pictures. I've spent enough time in theatre to know that lights wash out your face. But I never wear makeup, and I didn't want to look like someone else for my wedding. My maid of honor was planning to help me, but I was still pretty unsure about the whole process. My parents stepped up and paid for a makeup artist to come to the B&B for us girls. That was one of the best decisions I could have possibly made for the wedding. I see a difference between normal me and the me in the pictures, but the makeup is so subtle, I can't tell what she did exactly. I would highly recommend a makeup artist for the people who aren't sure about doing their own makeup. Reply I do wear make up and I will say that it really does work in the favor of alot of people. I would not consider going without it on my big day, but I won't be hiring anyone to do it for me. But there are ladies with GORGEOUS skin, especially with freckles. I think your decision to go without is perfect for you. You'll look great 🙂 Its all about preference really. Congrats on your big day. Reply I don't like how my skin looks in photos without makeup, but I'm an actor, and part of the job is makeup. I'm going to have to find a balance between feeling super made up like for the stage, and absolutely no makeup. Reply Wonderful post! I also am a typically makeup-free person. I don't have freckles and I admit I'm a little jealous, because I've always loved freckles. But I love my face even without freckles. And hate the feeling of makeup in general. I thought about going no-makeup for my wedding but I decided to just go with light makeup (provided and applied by my wonderful mother, who herself is makeup-free most days but likes to wear some for dates and weekend parties and the like -far from a professional makeup artist). Very light foundation, a touch of blush and a little eyeshadow. Not a lot by usual bridal standards, but more than I wear 364+ days per year. I wanted to still look like me, and happily, I did. The important thing is I wore it because I wanted to, not because I felt like I had to. I'm glad to hear of people going makeup-free for their weddings, not because there's anything wrong with wearing makeup (not at all!), but just show how many different wonderful ways there are to be on one's wedding day. I hate the thought of any bride thinking that she has to wear makeup (or a certain type of makeup, or a certain quantity, or applied by a professional, etc.) if it doesn't appeal to her. Faces with makeup are beautiful! Faces without makeup are beautiful! Reply You have such lovely freckles! I don't blame you for not wanting to cover them up! Reply Great for you! I'm glad you went with something you were comfortable with. Note on the itching: you may want to check out cosmeticdatabase.org to find makeup that doesn't itch. I was miffed about seeing so many products with fragrance in it. That makes me break out. Reply I am wearing makeup on my wedding this weekend, but I'm doing it myself. I never liked the idea of being "done up" for my wedding. Everyone would tell me I'm crazy and that I should still have it professionally done because they can make it look like I have nothing on. But… why in the world should I pay someone to make me look natural? Why not look natural… NATURALLY? I'm going to have eyeliner, foundation, mascara, and lipstick. That's it. I am standing my ground… and so should you and anyone else who wants minimal or no makeup on their wedding! Reply I made the same decision for similar reasons and I have NO regrets. I spoke to my photographer (JF Photography out of Vermont… cannot say enough good things about her!) about the concern of looking like a ghost (completely overlooking the fact that my husband's complexion is every bit as pale as mine and that no one would expect HIM to wear makeup), and she told me to do what was comfortable for ME. As a result, the amazing pictures Jody captured that day actually show ME. Not some culturally hyper-idealized version of what I "should" look like, but what I *actually* look like. I don't have perfect skin, and never have, but the upside of not trying to hide it is that I don't look at my wedding pictures and feel ugly in the now. Those pictures are me, every bit as untouched as I generally am. While I certainly don't think there's anything wrong with wearing makeup for the big day, whether that's routine or not, I think that your post is super important for saying that it's okay NOT to wear makeup, too. There's so much emphasis on how to DO makeup, how MUCH to wear… but very little acknowledgement that NONE is a perfectly valid choice, too! Reply Well I think you look lovely in both photos. The most important thing is to feel comfortable. I think of make up as a sort of battle armour, I only wear it on occasions when I want to feel more confident or when I feel that people will be scrutinising me. If foundation makes your skin itch then might a BB cream be less harsh? I have a 'sensitive' one from Avon which seems to have few enough nasties to mean my super volatile skin doesn't freak out on the days when I wear make up. Reply Personally, I don't like makeup and rarely wear it due to how easily is smears and rubs off, which is why when I first tried out wearing makeup I felt betrayed and deceived by the media. When I apply color to my face I want it to stay there until *I* choose to take it off. So I have put a lot of effort into finding makeup that lives up to my very high expectations. Urban Decay Setting Spray works wonderfully in that regard to powder makeup – it can turn grocery store wet n' wild eyeshadow indistinguishable from expensive waterproof brands. Apply it after your powder makeup such as foundation and eyeshadow, but before mascara and lipstick or it'll get sticky and messy. If you use a cream or liquid eyeshadow instead, apply that after using the setting spray as well. For the longest lasting stuff, always go for waterproof. Other good, *actually* long lasting types of makeup for fiddly brides are (surprisingly) grocery store waterproof mascaras, and Maybelline's Superstay 24 hr lip color – use only occasionally and apply very carefully (do NOT smack your lips like you would with regular lipstick, hold them open and wait for it to dry), I'm pretty sure it actually bonds to the top layer of skin on your lips but once it's on it will not smear, smudge, or rub off without actively and aggressively rubbing at it with soap or makeup remover. Reply I never wear makeup but was contemplating doing so for my wedding. Fortunately, totally unprovoked, my fiance said to me, "I hope you don't wear makeup at our wedding. Your natural face is the one I fell in love with and that's the face I want to see." Decision made. No makeup for me. Reply I don't normally wear makeup on a day to day basis because I am a red-head with pale freckly skin and most things seem to look too harsh on me. If I am getting dressed up I wear mascara, a little powder blush and lip gloss. I used to have to wear stage makeup and it did all KINDS of horrible shit to my skin so I avoid it like the plague. Reply Thank you so much for posting this. As a non-makeup wearer, I was struggling with deciding what to do for my upcoming wedding in June. Everyone thinks I'm crazy for even considering going 'bare' but it's what feels right to me so why not? I love the fact that there are others out there that are so much more comfortable in their own 'face' than a made-up face. I think you may have motivated me to NOT wear make-up (or at least keep it very little & low key if I do). I really want to be myself on the most important day of my life and make-up just makes me feel so fake, like I'm trying to be someone I am not. I sometimes wish I could pull off the beautiful made-up faces but I just don't have the motivation to learn and honestly I am comfortable with how I look so why would I try to change? So thank you again for this, you have lessened my struggle a bit! Reply The ladies who did my hair and make-up didn't take me seriously when I told them I had allergies. I had steel pins in my hair, and in spite of saying I could only use lipstick, they just went wild. Yes, I got the "natural" look. No-one could tell I had any make-up on, really. At first. Before the swelling. But that wasn't the point. I didn't want *any*. But they just bulldozed over me on a day which was confusing and hectic enough as it was. The pins made my scalp burn, and the eyemake-up made my eyelids swell halfway shut. I've got problem skin as it is, so a camouflage stick was used on my upper chest and back to hide zits, and wherever it was used I got red blotches (on an otherwise insanely pale skin). There was so much going on on my wedding day I didn't have the spine that morning to say no to the make-up, and wonder where the antiallergenic pins were… And the ladies really did think they knew what was best for this unfasionable bride. I know they're professionals and they often work for Dutch national TV stations near here, so it could've been pancake instead… Anyway…. If you're NOT comfortable with make-up, get ready to stick to your guns! We had a wonderful weddingday, and the pics will make me smile, but I just wish I would've manned up for the one occasion where they wanted me to be "extra-feminine". Don't let anyone talk you into anything that doesn't feel like "you". After all, it's the "you" a certain someone chose to marry, not what other people feel you should be. Reply It is such a relief to find this article, thankyou! I have freckles and never wear makeup normally. On a special occasion I might wear tinted moisturiser, eye shadow and mascara. I don't own a lipstick. But I thought it would be nice to get makeup done professionally on my wedding day. I had a makeup trial yesterday and it was just awful. As soon as the foundation was on I felt like my face had lost all is character, but the makeup artist told me that was just how makeup looks. I had said I wanted to look natural, and she reminded me of that, saying she was keeping it really minimal. But ' natural ' had the effect of making me look like I had tiny eyes and a small mouth in a sea of pale face. I had thought getting my makeup done would make me feel pretty and I had timed it to have the trial the day of our engagement photos. But I felt so stupid by the end of it that I was embarrassed to be seen in public with it on and I just drove straight home and washed it off. My fiance thinks getting your makeup done is an essential part of the whole wedding experience and is encouraging me to try to find another makeup person. But now I just feel anxious about getting any kind of makeup. I like my face. I like my freckles. It's really nice to hear other people saying that you don't have to have makeup to look ok in photos 🙂 Reply I just saw this article on Buzzfeed and thought everyone here might enjoy it, whether you wear makeup or not 🙂 http://www.buzzfeed.com/gracespelman/here-are-some-people-who-are-very-confused-about-what-no-mak#.qap38kx6 Reply Read more comments 1 2 › Join the conversation Cancel ReplyYour email address will not be published. Required fields are marked *Comment Save my name, email, and website in this browser for the next time I comment. Sign me up for your offbeat awesomeness newsletter! No-drama comment policy Part of what makes the Offbeat Empire different is our commitment to civil, constructive commenting. Make sure you're familiar with our no-drama comment policy. Biz owners & wedding bloggers Please just use your real name in your comment, not your business name or blog title. Our comments are not the place to pimp your website. If you want to promote your stuff on Offbeat Bride, join us as an advertiser instead.


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Maryland HARP Lender: 855-674-8525
Quoted From: efanniemae.com – The goal of the HARP program, as announced by the President, is to "provide access to low-cost refinancing for responsible Baltimore homeowners suffering from falling home prices."
The expectation is that refinancing their mortgage will reduce their monthly principal and interest payments or moving them from a more risky loan structure (such as interest-only or short-term ARM) to a more stable product.
This means that Baltimore homeowners refinancing with the Home Affordable Refinance Program should be able to obtain lower HARP Rates.
According to the monthly Freddie Mac Rate Trends Survey, that goes back to 1971, it's apparent that mortgage rates have been extremely low for the past several months.
One of the key benefits to eligible borrowers with the new HARP Loan program is that the government has put a cap on the rate and fees lenders can charge for adjustments based on LTV, Credit and other factors. These "adjustments" are called Loan Level Price Adjustments (LLPA), which have previously prevented Baltimore borrowers from taking advantage of lower rates in the market.
Fannie Mae describes LLPA's as "Price Adjustments that are assessed based upon certain eligibility or other loan features, such as credit score, loan purpose, occupancy, number of units, product type, etc. You can see the complete Fannie Mae LLPA Matrix HERE
In simple terms, your new interest rate will be closer than the lower rates of traditional conventional mortgages.
Rates may change several times a day, and we have a video on the next tab that clearly explains how mortgage rates and prices and impacted by economic conditions.
In most circumstances, lenders will require a full underwritten approval before a borrower can lock in an interest rate.
Since these HARP loans tend to spend several weeks waiting in line for the underwriting department, your potential interest rate will be in what's called a "floating" status until your lender can actually lock you in.
Keep in mind that the longer the lock period is (15, 20, 30, 45, 60 days), the higher the interest rate will be. So, it's actually beneficial to wait until your file is fully approved and ready for loan documents.
See: HARP Refinance Process for more information about the timeline.
To ensure our clients receive the HARP Rates that they want, we will remain in a floating status until that particular rate is available. It's a balancing act between waiting for a specific rate and making sure loan approvals and documentation doesn't expire.
Either way, an experienced mortgage professional knows how to pay attention to these details.
Simply shopping interest rates will generally lead to a frustrating experience with your Baltimore HARP Refinance due the factors described above.
Banks who promise one thing and then change their terms towards the end of a transaction through a bait-n-switch marketing approach give the mortgage industry a bad reputation.
The truth is that until a loan originator has all of your information and has had a chance to get an initial pre-approval by uploading your complete application to a Fannie Mae or Freddie Mac secured online portal, it is not possible to receive an accurate rate quote.
LLPA and bank overlay hits to a rate are digitally calculated in most instances, which basically means that the lender's complex computer systems will actually assign an interest rate to a file for that particular moment in time.
Instead, you should be shopping interest rates by "Qualifying A Lender" based on their understanding of how rates actually work, as well as their ability to articulate and communicate economic indicators to you that may have a positive or negative impact on the specific HARP Interest Rate that makes sense for your scenario.
Below are a few important questions you can ask a lender about interest rates to determine their true value to your personal Baltimore refinance:
When shopping for a new mortgage loan, you may notice an Annual Percentage Rate (APR) advertised next to the note rate. The inclusion of an APR is actually mandated by federal law in order to help give borrowers a standard rule of measurement for comparing the total cost of each loan.
The APR represents the a true cost of a loan to the borrower, expressed in the form of a yearly rate. This prevents lenders from hiding fees and loan rate costs behind lower advertised rates.
According to Wikipedia, the term "Annual Percentage Rage (APR) and nominal APR describe the interest rate for the whole year (annualized), rather than just a months fee/rate, as applied on a loan, mortgage, credit card… It is basically a finance charge expressed as a rate.
The nominal APR is the simple-interest rate (for a year). The effective APR is the fee+compound interest rate (calculated across a year).
The nominal APR is calculated as: the rate, for a payment period, multiplied by the number of payment periods in a year.
However, the exact legal definition of an effective ARP can vary greatly, depending on the type of fees included, such as participation fees, loan origination fees, monthly service charges, or late fees.
The effective APR has been called the mathematically-true interest rate for each year. The computation for the effective APR, as the fee+compound interest rate, can also vary depending on whether the up-front fees, such as origination or participation fees, are added to the entire amount, or treated as a short-term loan due in the first payment.
Fees that are calculate in the APR include:
Origination Fee, Discount Points, Prepaid Mortgage Interest, Mortgage Insurance Premiums and other lender fees (application, underwriting, tax service, etc.)
Fees such as title insurance, appraisal and credit are not included in calculating the APR.
The APR can vary between lenders and programs due to the fact that the federal law does not clearly define specifically what goes into the calculation.
One thing to keep in mind is that 15-year term will have a higher APR simply because the fees are amortized over a shorter period of time compared to a similar rate & cost scenario on a 30-year term.
1) Inflation
In economics, inflation is a rise in the general level of prices of goods and services in an economy over a period of time. When the price level rises, each unit of currency buys fewer goods and services; consequently, annual inflation is also an erosion in the purchasing power of money a loss of real value in the internal medium of exchange and unit of account in the economy.
As inflation increases, or as the expectation of future inflation increases, rates will push higher. The contrary is also true; when inflation declines, mortgage rates decrease.
2) The Federal Reserve
As part of its 2008-2010 stimulus effort, the NY Fed spent almost all of its $1.25 TN budget buying mortgage bonds. Many believe this strategy kept mortgage rates lower over a 15 month period.
The meltdown in the mortgage market and world economies lead many investors to shy away from the risks associated with MBS, which is why the Fed had to step in and basically assume the role as the sole investor of mortgage bonds.
3) Unemployment
Decreasing unemployment will suggest that mortgage rates will rise. Typically, higher unemployment levels tend to result in lower inflation, which makes bonds safer and permits higher bond prices.
Higher bond prices will push mortgage interest rates up.
GDP, or Gross Domestic Product, is a measure of the economic output of the country. High levels of GDP growth may signal increasing mortgage rates. The Federal Reserve slashes short-term rates when GDP slows to encourage people and business to borrow money. When GDP gets too hot, there might be too much money floating around, and inflation usually picks up.
5) Geopolitics
Unforeseen events related to global conflict, political events, and natural disasters will tend to lower mortgage relates. Anything that the markets didn't see coming causes uncertainty and panic. And when markets panic, money generally moves to stable investments (bonds), which brings rates lower.
Mortgage bonds pick up some of that momentum. Economic data is reported daily, and some items have a greater tendency to be of concern to the market for mortgage rates.
Many people believe that interest rates are set by lenders, but the reality is that mortgage rates are largely determined by what is known as the Secondary Market. The secondary market is comprised of investors who buy the loans made by banks, brokers, lenders, etc. and then either hold them for their earnings, or bundle them and sell them to other investors.
When the secondary market sells the bundles of mortgages, there are end investors who are willing to pay a certain price for those loans. That market price of those Mortgage Backed Securities (MBS) is what impacts mortgage rates.
Typically, investors are willing to accept a lower return on mortgage backed securities because of their relative safety compared to other investments. This perception of safety is due to the implied government backing of Fannie Mae and Freddie Mac and the fact that the Mortgage Backed investments are based on real estate collateral.
Mortgage rates fluctuate based on the market's perception of the economy. Stocks are considered riskier investments, and therefore have an expected higher rate of return to compensate for that risk.
When the economy is thriving, it is presumed that companies will perform better, and therefore their stock prices will move higher. When stock prices move higher MBS prices generally move lower. Mortgage Backed Securities, however, thrive when the economy is perceived as not doing well.
When investors forecast a faltering economy, they worry that the return on stocks will be lower, so they frequently engage in a flight to safety and buy more secure investments such as Mortgage Backed Securities. Mortgage rates are actually based on the yield of those Mortgage Backed Securities.
Bonds are sold at a particular price based on their value in relation to other available investments.
When a bond is sold it yields a certain return based on that original purchase price. As the prices of the MBS increases because investors seek their safety, the yield decreases.
Conversely, when investors seek the higher returns of stocks and the MBS are purchased in lesser quantities the price goes down. The lower price results in a higher yield, and this yield is what determines mortgage rates.
When the economy is growing or is expected to grow, stocks will likely become the more favored investment. When investors buy more stocks, they purchase fewer MBS, which drives the price down.
When the price of the MBS is lower, the yield increases. Since mortgage rates are based on the yield of the 30 Year MBS, you would expect rates to increase in this environment.
When the economy appears to be slowing or is doing poorly, investors typically move their money out of the stock market and into the safety of the MBS. This drives the price of these investments higher, which results in a lower yield.
Since mortgage rates are based on the yield of the 30 Year MBS, you would expect rates to decrease in this environment.
Mortgage interest rates are determined by the pricing of Mortgage Backed Securities or Mortgage Bonds. The media often implies mortgage rates are based off the 10-year Treasury Note, which is incorrect.
While the 10-year Treasury Note has been known to trend in the same direction as Mortgage Bonds, it is not unusual to see them move in completely opposite directions.
Baltimore Mortgage rates may change throughout the day, however, they only change on days when the Bond markets are trading securities since mortgage rates are based on Mortgage Bond prices. Think of a Mortgage Bond's sales price similar to that of a Stock that trades up and down during the course of a day.
For example let's s assume the FNMA 30-Year 4.50% coupon is selling for $100.50. The price is 50 basis points lower from the previous day's closing price of $101.00. In simple terms, the borrower would have to pay an additional .50% of their loan amount to have the same rate today that they could have locked in the previous day.
Mortgage Bonds are largely affected by various market forces that influence the changing demand for bonds within the market. Some of the key economic factors that have the greatest impact are unemployment percentages, inflationary fears, economic strength and the overall movement of money in and out of the markets.
Like stocks, most fluctuation is caused by consumer and investor emotions.
It is a common misconception that when the Federal Reserve implements a rate cut it is immediately correlated to a reduction in mortgage rates. The Federal Reserve policy influences short term rates known as the Fed Funds Rate (FFR).
Lowering the FFR helps to stimulate the economy and increasing the FFR helps to slow the economy down. Effectively, cutting interest rates (FFR specifically) will cause the stock market to rally, driving money out of bonds and creating potential for inflation.
Mortgage Bond holders need to obtain a higher rate of return on their money if inflation is increasing, thus driving up mortgage rates. With the Federal Reserve Board meeting every six weeks, this is an important question to ask.
If your lender does not have a firm understanding of this relationship, they may leave your rate unprotected costing you thousands of dollars over the life of your mortgage.
Mortgage interest rates are based on risk-based pricing. Risk-based pricing allows adjustments to par pricing for risk factors such as; FICO scores, Loan-to-Value percentages, property type (SFR, Condo, 2-4 Units), occupancy (Primary, Vacation or Investment) and mortgage type (Interest Only, Adjustable Rate etc).
This allows the investors who lend their money for mortgages to receive additional compensation for taking additional risk. If the borrower encounters a financial hardship, are they more likely to make the payment on the home they live in or the one they rent out.
There are several great subscription based services available to monitor Mortgage Bond pricing. The key is to make sure the lender is aware they should be monitoring Mortgage Bond pricing, such as the Fannie Mae 30-Year 4.50% coupon and not the 10-Year Treasury Note or the news media.
Experienced mortgage professionals have a number of mortgage rate tracking tools and alert systems in place to notify them via email and even text message when the market shifts one way or the other.
Even a small move by .125% can make a significant difference if a lender has 100+ loans in floating status, so seasoned mortgage professionals obviously take this rate game seriously.
CLICK HERE to submit a contact request online and we will have one licensed Maryland HARP Approval Network member connect with you asap. You can also feel free to Call us directly @ 855-674-8525 for any questions about HARP loans.


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The European Central Bank (ECB) is advocating a looser standard on eligibility of assets that can be used to satisfy a draft liquidity rule from the Basel Committee on Banking Supervision, over concerns that the current definition is too restrictive on credit in the midst of the financial crisis.
Bloomberg reported Tuesday that, according to three people with knowledge of the discussions, the ECB, with the support of the Bank of France, is urging Basel rulemakers to consider allowing some asset-backed securities and loans to businesses to be eligible for inclusion in banks' liquidity coverage ratio (LCR).
The rule, designed to forestall any repeats of the chaos that emerged in the wake of Lehman Brothers Holdings' collapse in 2008, currently does not allow such assets to be included among the easy-to-sell holdings required to help banks get through a 30-day period of little or no credit accessibility.
However, the ECB, along with the Bank of France, are saying that such a tight definition could hinder attempts to control the eurozone crisis because it will impede lending and also make it more difficult for countries' central banks to exercise monetary policies.
The Basel Committee, which has 27 member nations, said in 2011 that it would consider unintended consequences brought about by the draft rule, and a number of regulators are advocating changes—with the ECB and the Bank of France seeking the most drastic.
The ECB says that if there is not an alignment between the LCR and the ECB's collateral rules, banks will hold back on their highest-quality assets for use in satisfying the LCR. It also said that if banks have to hold onto high-liquidity assets, short-term funding markets could be affected.
According to Jesper Berg, senior vice president at Nykredit, Denmark's largest mortgage bank, "as central banks have relaxed their rules" during the eurozone crisis, "the LCR has become more and more out of sync with central-bank reality."
Berg was quoted saying, "The ECB accepts as collateral almost anything short of the CEO's tie. The ECB's superior performance in the early phase" after Lehman's collapse "can to a large extent be attributed to its broad collateral framework."
However, a number of committee members, including the U.S., are wary of too much weakening of the rule, lest it reduce the rule's effectiveness—part of its purpose is to discourage too much dependence on central bank support by other banks during a crisis. The Bundesbank is also dismissive of the ECB's proposals.
Members of the Basel Committee's working groups have agreed on a provisional arrangement that will keep a split in the LCR to define which assets can be used by banks to meet their requirements in full and which assets can only satisfy 40% of the requirement.


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Van Eck Global introduced a new fund called the Market Vectors Emerging Markets High Yield Bond ETF (HYEM), which is linked to high yield emerging market corporate bonds. HYEM tracks the BofA Merrill Lynch High Yield US Emerging Markets Liquid Corporate Plus Index and is composed of U.S. dollar-denominated bonds issued by non-sovereign emerging market issuers that are rated below investment grade.
"This corner of the high-yield debt market has grown significantly in recent years and investor exposure may not have kept pace," said Francis Rodilosso, portfolio manager with Market Vectors. "For investors seeking yield this is significant as USD-denominated EM high yield corporate bonds are currently generating higher yields than USD-denominated EM high-yield sovereign bonds and U.S. high-yield corporates." In addition to their competitive yields, EM corporate high-yield bonds have had historically lower default rates than similar debt instruments issued in the U.S., added Mr. Rodilosso.
In order to qualify for inclusion in the index, the bond issuer must have risk exposure to countries other than members of FX G10, defined as including Belgium, Canada, France, Germany, Italy, Japan, the Netherlands, Sweden, Switzerland, the United Kingdom and the United States, as well as all Western European countries and territories of the U.S. and Western European countries.
"Existing EM high-yield bond ETFs tend to focus on sovereign debt. With HYEM, the emphasis is on USD-denominated corporate debt, which now accounts for over 10% of the global high-yield corporate bond market," said Edward Lopez, marketing director with Market Vectors. "Through this fund, investors now have a simple, transparent way to add targeted exposure to this segment of the high-yield market."
HYEM joins a series of innovative Market Vectors ETFs focused on underrepresented areas of the high-yield bond market including International High Yield Bond ETF (IHY) and Fallen Angel High Yield Bond ETF (ANGL). These ETFs allow investors to gain exposure to important segments of the high-yield market that, in the past, may have been difficult to access.
The EM high-yield bond market has grown 265% since 2003, according to data from Bank of America Merrill Lynch. HYEM, Market Vectors' 49th ETF, has a net expense ratio of 0.40%, which is capped at least until Sept. 1, 2013. The cap excludes certain expenses, such as interest.


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"You voted against God. You voted for the death of people.""You are lazy, live on welfare, housing assistance, food stamps and will make our system implode.""Before the election, you promised to riot, cause mass destruction and violence and assassinate …."
"…watched Jerry springer for a second and we were like damn these ppl are stupid. He (husband) said, "Well here ya go hunny, these are the ppl who must've voted!"
"…those of us who voted for Romney are educated enough to develop a plan of action to get Obama out of office. There are just a lot more uneducated people in America today."
They are saying this to an Edmund J. James scholar and Alpha Lambda Delta Honor Society member with six years of college under her belt. I'm hardly uneducated nor stupid.
And, that is only two entries. For months now, I have felt like I was personally attacked because my politics doesn't agree with their politics. Do I think I am right, "well, of course." Do I think they are wrong, "yes." Do I think they are stupid because of the way they vote, "NO." That is who they are and what a sad boring 'Stepford Wife' world we would live in if we all believed the same way.
This country was founded on checks and balances to stop one belief system having all of the power. If you cannot accept that, and need to denigrate the other belief than yours in a personal way, then you have a problem.
I'm told not to take it personally, but my belief system is who I am. How do you take being told you are an idiot? Do you take it personally?
"We are an American family and we rise or fall together as one nation," said a wise man.
So, what do you think? Are people forgetting they are texting/tweeting/facebook(ing)?? to other human beings? Are they losing courtesy? Have they lost respect? Is this the downfall of man? Let me know what you think.


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This site is the archived OWASP Foundation Wiki and is no longer accepting Account Requests.
To view the new OWASP Foundation website, please visit https://owasp.org
7th OWASP AppSec Conference - San Jose 2007/Agenda
The agenda for the conference is still under development and is subject to change.
The Web Services Security Track, which is the 3rd track on Day 1, is at the bottom of this page.
OWASP & WASC AppSec 2007 Training Courses - Nov 12th-13th 2007
The tutorials and the conference itself was held at eBay in San Jose. Video footage of the presentations will be psoted soon!
|T1. Building and Testing Secure Web Applications
|This powerful two-day course focuses on the most common web application security problems, including the OWASP Top Ten. The course will introduce and demonstrate hacking techniques, illustrating how easily application vulnerabilities can be exploited so students really understand how to avoid introducing such vulnerabilities into their code. Read more here!
|T2. Secure Coding for Java EE
|This Java focused course covers the most common Java EE web application security problems, including the OWASP Top Ten. It teaches Java EE best practices, so developers can really understand how to avoid introducing such vulnerabilities into their Java EE applications. This course includes hands on coding exercises that allows the students to fix real flaws in a Java EE application using the best practices recommended in class!! Read more here!
|T3. Secure Coding .NET Web Applications
|This .NET focused course covers the most common .NET web application security problems, including the OWASP Top Ten. It teaches .NET best practices, so developers can really understand how to avoid introducing such vulnerabilities into their .NET web applications. This course includes hands on coding exercises that allows the students to fix real flaws in a .NET application using the best practices recommended in class!! Read more here!
|T4. Web Services and XML Security
|Many enterprises are currently developing new Web Services and/or adding and acquiring Web Services functionality into existing applications -- now is the time to build security into the system! Read more here!
|T5. Leveraging OWASP Tools and Documents to Secure Your Enterprise
|Apart from OWASP's Top 10, most OWASP projects are not widely used and understood. In most cases this is not due to lack of quality and usefulness of these Document & Tool projects, but due to a lack of understanding of where they fit in an Enterprise's security ecosystem or in the Web Application Development Lifecycle (WADL). This course aims to change that by providing detailed presentations of the most mature and enterprise ready OWASP projects together with practical examples of how to use them. Read more here!
|T6. Open Source ModSecurity Training
|ModSecurity is currently the most widely deployed web application firewall (WAF) product. This two-day class is for those people who want to learn how to build, deploy, and use ModSecurity in the most effective manner. The course will cover the open source ModSecurity Console, which helps manage alerts on suspicious web activity targeting your web servers. The course also provides an in-depth look at the extremely powerful ModSecurity Rules Language. Read more here!
November 12th - Cenzic is sponsoring a cocktail party at the eBay facility after the first day of training.
Tech Expo - Nov 13th-14th
Product vendors demonstrated their application security products to conference attendees for the first time at this OWASP Conference. The focus of this expo was on the technical details of the technologies they are offering in the market to help organizations deal with their application security issues.
The technology expo was held:
- November 13th: From 12-2, with lunch included for all the OWASP tutorial attendees who will be invited to attend the expo.
- November 14th: From 11-6 during the first day of the OWASP conference.
Breach Cocktail Party - Nov 13
To close out the training event and the first day of the tech expo, Breach kindly agreed to arrange a cocktail party on Tuesday evening. They sponsored a similar event at Black Hat for a joint OWASP / WASC get together and it was a roaring success with over 300 attendees. These have always been great events at previous conferences. For more details and RSVP go to: http://www.breach.com/breach_security_party_owaspwasc_san_jose.html
OWASP & WASC AppSec 2007 Conference Schedule - Nov 14-15 (San Jose 2007)
|Day 1 - Nov 14, 2007
|Track 1:
|Track 2:
|Registration and Coffee
|Welcome to OWASP & WASC AppSec 2007 Conference: Dave Wichers, OWASP Conferences Chair and COO Aspect Security (ppt)
|Keynote: eBay Application Security Program – Dave Cullinane, CISO - eBay and Michael Barrett, CISO - PayPal [Softcopy not available]
|An Introduction to WASC and its projects (pdf), Jeremiah Grossman, CTO, WhiteHat Security
|Using OWASP (VERY LARGE - 66MB - ppt), Jeff Williams, OWASP Chair and CEO - Aspect Security
|For my next trick... hacking Web 2.0 (lite) (ppt), Petko D. Petkov (AKA PDP Architect), Senior Security Researcher. Full version presented at OWASP Day Sept 2007 in Brussels (ppt)
|Backdoors and other Developer Introduced 'Features' (ppt), Chris Wysopal, CTO Veracode
|CSRF: Danger, Detection, and Defenses – Introducing two new OWASP CSRF Tools (ppt), Eric Sheridan, Application Security Consultant, Aspect Security and OWASP CSRF Guard Project Lead
|WASC Distributed Open Proxy Honeypot Project (ppt), Ryan Barnett, WASC Open Proxy Honeypot Project Lead, Breach Security
|Defeating Web 2.0 Attacks without Recoding Applications (ppt), Amichai Shulman, CTO, Imperva
|Dangers of Third Party Content (ppt), Tom Stripling, Senior Security Consultant - Security PS
|OWASP Projects Overview [No PPT], Dinis Cruz, Chief OWASP Evangelist
|Web Browser (In)-Security - "Past, Present, and Future" (ppt), Robert "RSnake" Hansen, CEO SecTheory
| Panel: "Building an Effective Application Security Assurance Program"
Moderator: Brian Bertacini, Sr. Manager, AppSec Consulting
Panelists: Jeff Williams - CEO Aspect Security, Andy Steingruebl - Principal Security Engineer PayPal, Gary Terrell, Adobe Systems, Scott Stender, iSEC Partners, Neil Daswani, Google
|OWASP Leader Meeting (see meeting agenda here) - Organized by Dinis Cruz
|OWASP Social Gathering: Dinner and Drinks at Holiday Inn. (1740 N. 1st St. San Jose)
|Day 2 - Nov 15, 2007
|Track 1:
|Track 2:
|Keynote: DTCC Application Security Program (ppt), Jim Routh, CISO for the Depository Trust and Clearing Corporation (DTCC)
|OWASP State of the Union (ppt), Dinis Cruz, Chief OWASP Evangelist
|Finding Vulnerabilities in Flash Applications (ppt), Stefano Di Paola, CTO Minded Security
|Start Rolling with Rails Security (ppt), Corey Benninger, Principal Consultant, Intrepidus Group, Inc.
|OWASP Enterprise Security API (ESAPI) (ppt), Jeff Williams, CEO Aspect Security and OWASP Chair
|Securing Java Server Faces against the OWASP Top 10 (ppt), David Chandler, Web Architect, Digital Insight
|The MySpace Worm, by its author: Samy Kamkar (ppt)
|.Net Web Services Hacking - Scan, Attacks and Defense (ppt), Shreeraj Shah, Blueinfy
|OWASP SpoC Project: Anti Samy - Picking a Fight with XSS (ppt), Arshan Dabirsiaghi, Application Security Engineer, Aspect Security
|Website Vulnerability Statistics, Arian Evans (Director of Operations, WhiteHat Security)
|The PKI Lie – Attacking Certificate-Based Authentication (ppt), Ofer Maor, CTO Hacktics
|Session Management Security and Assessment Techniques, Tom Stracener, Sr. Security Analyst, Cenzic
| Panel: Responsible "Website" Vulnerability Disclosure
Moderator: Anurag Agarwal
Panelists: Robert "RSnake" Hansen, CEO SecTheory; Bruce Lowenthal, Director of Oracle Security Alerts Group, Oracle; Zulfikar Ramzan, Advanced Threat Team, Symantec; Christopher Ernst, US Secret Service; and Katie Moussouris, Security Strategist, Microsoft
| Panel: Outsourcing: Financial Dream or Security Nightmare?
Moderator: Rohyt Belani, Managing Partner, Intrepidus Group
Panelists: Claire McDonough - Security Program Manager at Google, Renato Delatorre – Director of Network Security & Risk Management for Verizon Wireless, Jaswinder Hayre - Application Security Manager for HBO
|Conference Wrap Up - Dave Wichers, OWASP Conferences Chair (ppt)
|Microsoft and Aspect Security Cosponsored Cocktail Party: Drinks at Holiday Inn. (1740 N. 1st St. San Jose)
Nov 14: Track 3: Web Services Security
|Day 1 - Nov 14, 2007
|Track 3: Web Services Security
|The Top 10 Web Services Security Issues (ppt), Gunnar Peterson, Principle, Arctec Group
|Web Services Security Case Studies, Mark O'Neill, CTO Vordel
|Covert CDATA Channels, XML Bombs, and Unexpected Attachments: Case Notes from a real-life XML Web Services Vulnerability Assessment, Mark O'Neill, CTO Vordel
|Attacking XML Security (ppt), Brad Hill, Principal Security Consultant, iSEC Partners


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Welcome to the Casbah Documentation. Casbah is a Scala toolkit for MongoDB—We use the term "toolkit" rather than "driver", as Casbah integrates a layer on top of the official mongo-java-driver for better integration with Scala. This is as opposed to a native implementation of the MongoDB wire protocol, which the Java driver does exceptionally well. Rather than a complete rewrite, Casbah uses implicits, and Pimp My Library code to enhance the existing Java code.
Casbah's approach is intended to add fluid, Scala-friendly syntax on top of MongoDB and handle conversions of common types. If you try to save a Scala List or Seq to MongoDB, we automatically convert it to a type the Java driver can serialize. If you read a Java type, we convert it to a comparable Scala type before it hits your code. All of this is intended to let you focus on writing the best possible Scala code using Scala idioms. A great deal of effort is put into providing you the functional and implicit conversion tools you've come to expect from Scala, with the power and flexibility of MongoDB.
Casbah provides improved interfaces to GridFS, Map/Reduce and the core Mongo APIs. It also provides a fluid query syntax which emulates an internal DSL and allows you to write code which looks like what you might write in the JS Shell. There is also support for easily adding new serialization/deserialization mechanisms for common data types (including Joda Time, if you so choose; with some caveats - See the GridFS Section).
With version 2.0, Casbah has become an official MongoDB project and will continue to improve the interaction of Scala + MongoDB. Casbah aims to remain fully compatible with the existing Java driver—it does not talk to MongoDB directly, preferring to wrap the Java code. This means you shouldn't see any wildly unexpected behavior from the underlying Mongo interfaces when a data bug is fixed.
The ScalaDocs for Casbah along with SXR cross referenced source are available at the MongoDB API site.
You may also download this documentation in other formats.


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Faith in Every Footstep (Ensign)
1. A marvelous work has begun to come forth among all the children of men.
O ye that embark in the service of God, give heart, mind, and strength unto him;
For prophets have spoken and angels have come to lift the world from sin,
That Christ may reign over all the earth and bless his gathered kin.
With faith in ev'ry footstep, we follow Christ, the Lord;
And filled with hope through his pure love, we sing with one accord.
2. Those marvelous Saints who embraced this great work and shared it in lands far and near;
Who gave all their heart, mind, and strength to the Lord with wisdom and vision so clear;
Now stand as examples of virtue and faith, of souls prepared to hear,
Of knowledge sure, born of humble heart, and love that banished fear.
3. If we now desire to assist in this work and thrust in our sickles with might,
If we will embark in the service of God to harvest in fields that are white;
Our souls may receive the salvation of God—the fulness of his light,
That we may stand, free of sin and blame, God's glory in our sight.
Text: Newell Dayley
Music: Newell Dayley
Artist: Dayley
Album: Music Published in the Church Magazines: Ensign
Composition Date: 1997-01-01
More Info: Ensign


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The return of Aston Martin Racing in GT (with Stefan Mücke, Adrian Fernandez and Darren Turner) shows promise for the English manufacturer in this class. The #97 held the top spot in the GT class during the a round of pitstops with about 90 minutes transpired in the 12 hour endurance race.
John Gaw (Aston Martin Racing Team Principal, Aston Martin Vantage GTE #97, LM GTE Pro): "To come here [Sebring] with a new car and record a lap that was 1.5 seconds quicker than last year's pole time is very encouraging. We know from testing that the Vantage GTE has terrific reliability, and we now know that it also has the potential to be very quick, too. There is lots of pace still to be found in the car because it's very early on in the development cycle and the team is looking forward to demonstrating its potential over the course of the season."
12 Hours of Sebring Live Timing & Scoring HERE>>
Live Streaming ESPN3 Broadcast HERE>>
Update – 5:45 p.m. ET: Huge letdown for the No. 97 Aston Martin Vantage V8 of Darren Turner whose left rear wheel departed the car. Yellow flag for the stranded Aston which was running fourth on the same lap as leaders in GT-Pro.
… notes from The EDJE