text:
17.9 SQ Episosde 028 – Angles in Quilting: Part A TrianglesJuly 31, 2011
It's All about Triangles & Quilting!
We pay homage to one of the cornerstones of quilting – the lowly triangle!
Three sides, three angles, three major descriptions of triangles.
1. Scalene triangle
- 3 different length sides
- 3 different sized angles
- typically used in setting triangles
- easier to paper piece
- no lines of symmetry – cannot accidentally flip the block over to fix a mistake
- can be a right triangle (one angle = 90 degrees)
- typical triangle found in math class 30, 60, 90
- can be called half rectangle triangles in quilting
Found in:
- tilted blocks (as setting triangles)
- wonky blocks
- mariner's compass blocks
- palm blocks
- birds of paradise blocks
Eye searing pink blocks are just SOME examples of scalene triangles in these blocks.
2. Isosceles traingle
- 2 equal length sides
- 2 equally sized angles
- most commonly found in quilting
- Half Square Triangle – HST
- Quarter Square Triangle – QST
- one line of symmetry, flip around the 'odd' angle
- can be a right triangle (HST, QST, flying geese)
- how you cut could have one bias edge (the hypotenuse) or two (the shorter legs)
- typical triangle found in math class 45, 45, 90
- triangle with an acute 'odd angle' – kaleidoscope block
Found in:
- pinwheel
- broken dishes
- flying geese
- ohio star
- hourglass
- square in a square
- friendship star
- spool
- maple leaf
- kalidescope …..
Look for the black triangle to see some of the isosceles triangles in these quilt blocks (there's many many more)
3. Equalateral triangle
- 3 sides equal length
- 3 equally sized angles
- least commonly found in quilting
- 6 triangles can make a hexagon block
- all angles are 60 degrees – no exceptions
- 3 angles of symmetry, flip around any angle
- guaranteed to have 2 sides of bias edges
Found in:
- thousand pyramid blocks
- chevron designs
- strip pieced hexagons
- tumbling blocks
- bordered thousand pyramid blocks
Look at the
yellow any block to see the equilateral triangle (assuming the image doesn't get squished somewhere)
Triangle Math Websites:
- Cool Math Types of Triangles
Home Sewing Front
Working on periodic spiral quilt – mostly basted, now need sewn together
Need an outline behind the spiral for it to stand out from the background
Exothermic quilt – see previous post about my place on this quilt as of a week ago.
Exothermic quilt on point:
Design decisions to make on the exothermic quilt:
- Borders are GOOD – do NOT fix them
- On point or not?
- If so, have to fix coping black/ grey inner border
- How much more black fabric to buy?
- Paralllelograms in the middle stay or go? – it provides good movement, but too much of a distraction??
- a 5 x 8 sized graph paper notebook for sale? If so, what brand, where are you finding them, have you seen them online?
- I would love a notebook this sized to carry around more easily!
A MUST HAVE book for anyone wanting to hand / machine quilt with specific designs:
501 Quilting motifs: Designs for Hand or Machine Quilting from the editors of Quiltmaker Magazine
- Takes one motif and slightly changes it, multiplies it, rotates and flips it,
- gives dimensions on block size for motif found in book.
- looks easy to trace and adapt
- great resource
- hardbound
- spiral inside
If you want to Swap Charm (5 inch) squares, go to this swap on Swap – Bot:
I'm willing to join if there is a good & healthy number of people in the swap!
You have until Sept 2, 2011 to make your decision!
From Mevio's Music Alley
- Triangle Treasure by Aronus
- Honey Wine by Ukulele Jim
From Freesound.org


text:
Car loans are necessary when a person decides to buy a car. It is very important to have low interest rate to buy a desired car. To get most affordable loan it is very important to raise the question 'can I get a used car with blow interest rate?' Edmonton auto loans provides the right explanation and information related to used car loans as well as high risk auto loans. we can provide better finance approval according to your budget by accepting credit application. We own certified vehicles with maximum chances to be approved and you can have your own vehicle. Edmonton auto loans will help you to get bad credit car loans. We coordinate with banks to get your loans approved. Apply or call to Edmonton Auto Loans to be approved.
Click HERE and fill the form to get approved right away.Edmonton Auto Loans helped many people in Lacombe to get their bad credit approved.
We are available in Lacombe to help you get the loan processed quickly. All you need to do is to follow the above mentioned link to fill our detailed credit application.

subset: commoncrawl


text:
Dicker gets a deal to write an accessy biography about Cuomo, but don't call it 'authorized'
In news that is both shocking and unsurprising, New York Post state editor Fred Dicker has gotten a contract from HarperCollins to write a biography of Governor Andrew Cuomo.
"The governor and his staff plan on cooperating with Mr. Dicker's book," Cuomo's spokesman told Keith Kelly, Dicker's colleague at the Post, who reported the deal.
Dicker is an institution in Albany, and is hugely influential. He is also, to the extent that a member of the press can be, a Cuomo insider; Times Union editor Rex Smith told Reid Pillifant a while back that he was "appalled" at the way the Post had become a "delivery system" for Cuomo and said, not admiringly, "I think that the way Fred covers things skews reporting in the Capitol in general. Entire episodes in the Capitol occur because of Fred's decision about the way to handle them."
In reaction to today's news, the Times' Nick Confessore referred to the latest transaction between the administration and Dicker as a "member item."
In an email to me, Dicker said it would be inaccurate to describe his book as an "authorized biography" of Cuomo since " neither the gov nor any of his people have any kind of prior- or post-approval on what I write."
There is also another Cuomo bio in the works, by Vanity Fair's Michael Shnayerson. On whether Cuomo would cooperate with that other one, the governor's spokesman Josh Vlasto told the Post's Kelly, "We make a decision on a case by case basis and no decision has been made yet on that book."
UPDATE: Dicker, on his radio show, harshly criticized New York Times Albany bureau chief Danny Hakim for tweeting about the book as an "authorized" biography, repeating an argument he made to me earlier.
Dicker tried rebuffing the notion that his coverage of Cuomo is unduly sympathetic, saying that Mario Cuomo had "a very hostile" attitude toward him when he was governor. Dicker also referred to the notion, attributed to the younger Cuomo and cited in a Times front-page profile of him, that he was a "caged animal" who needed to be fed.
Dicker said his book will not "recapitulate press clippings" and that he's looking for any information about Cuomo that hasn't been made public earlier.
The book is Dicker's first, and is apparently one of several being written about the governor.
Vlasto told Politico the administration is currently cooperating with several ongoing book projects.
Separately, Vlasto told me the other books are about how New York legalized same-sex marriage, which was a watershed moment in the national debate on that issue, and Cuomo's term as New York attorney general.


text:
The Northwest map is part of the "Close-up: U.S.A." series and half of a two-map set with the "Washington, Oregon, Idaho, Montana, Wyoming: Timber, Cattle, and the Mist from the Sea" travel map. Published in March 1973, this attractive map contains historical notes and points of interest, and highlights the abundant national parks and forest systems of the region.
Coverage Area: Washington, Oregon, Idaho, Montana, Wyoming


text:
Hours after a killer last-second loss to Dallas, Knicks point guard Raymond Felton was arrested and charged with three counts of weapons possession.
Felton turned himself in, after police say his wife Ariane Raymondo-Felton—who filed for divorce last week—brought the gun to police and said she found it in her home. New York has very strict laws on unregistered firearms (that's what earned Plaxico Burress nearly two years in prison) and Felton has been charged with second-degree and third-degree criminal possession of a firearm, both felonies, and misdemeanor count of fourth-degree possession.
The New York Post (and no one else for now) is reporting that Felton allegedly pointed a gun at a woman, and that a girlfriend may have been involved. We will learn more when Felton makes an expected appearance in court later this morning.


text:
Dr. Robert G. Silverman is a chiropractic doctor, clinical nutritionist, international speaker and author of, "Inside-Out Health: A Revolutionary Approach to Your Body," an Amazon No. 1 bestseller in 2016. The ACA Sports Council named Dr. Silverman "Sports Chiropractor of the Year" in 2015. His extensive list of educational accomplishments includes six different degrees in clinical nutrition. Dr. Silverman also maintains a busy private practice as founder of Westchester Integrative Health Center, which specializes in the treatment of joint pain using functional nutrition, low-level laser therapy, along with other cutting-edge, science-based, nonsurgical approaches.
Dr. Silverman is on the advisory board for the Functional Medicine University and is a seasoned health and wellness expert on both the speaking circuits and within the media, as well as a frequent health expert contributor on national blogs such as Consumer Health Digest, NewsMax.com. He has appeared on FOX News Channel, FOX&Friends, NBC, CBS, and The Wall Street Journal Live, to name a few.
He was invited as a guest speaker on "Talks at Google" to discuss his current book. As a frequent published author in peer-reviewed journals and other mainstream publications, including Thrive Global, Integrative Practitioner, MindBodyGreen, Health Radar, Muscle and Fitness, The Original Internist and Holistic Primary Care journals, Dr. Silverman is a thought leader in his field and practice.


text:
Autumn is the most beautiful and intriguing time to live in the countryside. It's when I get my strongest cavegirl tendencies and I love gathering nuts, berries and mushrooms to cook and preserve. Inspired by the return of Nature in the Home this week I decided to get crafty with my autumn gatherings (instead of eating them!) and make something pretty to bring indoors.
1) Start off by making a base for your wreath. I took advantage of the heap of prunings in the garden and grabbed a handful of spiraea but there's no science to this and any slim, flexible stems will do. Take a small bunch in your hands and bend them round into a ring, twisting the stems together as you do. At the top of your circle, cross the tops over and wind the loose ends back around the ring to create a basic wreath. Tuck in any escaped twigs. I left on some of the fresh leaves but snip them off if you want a longer-lasting decoration.
2) Get out and about and gather up some interesting autumn bits to decorate your wreath. Even if you live in the city you should be able to collect plenty of colourful leaves, pinecones and feathers in your local park.
3) It's completely freestyle from now on! The basic wreath can be adapted using whatever natural ingredients you can find. I set out to try and make this wreath with only natural elements (no wire or glue) as I always find it inhibitive to have to assemble materials before I get started. Instead, use the twisted stems of you wreath to weave in the decorations – there should be spots all around where you can tuck them in tightly.
{Project and photos all Decorator's Notebook blog}
That's it! The best thing about this project is that each and every wreath is going to be different and the basic idea will work just as well in other seasons. Make your own Christmas wreath for the holidays by adding fircones, evergreen foliage and red berries or an easter wreath with lots of feathers and blossom. Mine hasn't completely dried out yet, but I can't see any reason why the twiggy wreath base wouldn't last and be reusable again and again.


text:
Page 1 of 1
Belle by Sigerson Morrison, Shoes4 results
Page 1 of 1
Page 1 of 1
You can select multiple options
Sign in
Welcome! Please enter a username and password to continue.
Get instructions sent to this email that explain how to reset your password
An e-mail has now been sent with instructions to reset your password.
Report post


text:
Kenneth O'Donnell, aide to President John F. Kennedy, stepped into a small cubicle at Parkland Hospital, where Vice President Lyndon Baines Johnson nervously waited with his wife and several aides to learn the condition of the president. Kennedy had been shot as his motorcade made its way through downtown Dallas on a sun-splashed November autumn afternoon.
"He's gone," O'Donnell said to Johnson, who through an assassin's hand had become the 36th president of the United States.
It was 1:30 p.m. Central Standard Time, Nov. 22, 1963.
"What was going through Lyndon Johnson's mind as he stood there, history will never know," writes Robert A. Caro in his recently published book, "The Years Of Lyndon Johnson: The Passage of Power," the fourth in his planned five-part biography of Johnson.
"The only thing that is clear is that if, during those long minutes of waiting, he was making decisions — this man with the instinct to decide, the will to decide — by the time O'Donnell spoke and the waiting was over, the decisions had been made," Caro writes.
The new president had made the decision that he was not going to leave Dallas without Kennedy's body and his widow, and the oath of office would be administered aboard Air Force One.
After leaving Parkland and speeding through Dallas streets, they arrived at Love Field, where they boarded the presidential plane.
Calls were made to Attorney General Robert F. Kennedy, the slain president's brother, regarding the wording of the presidential oath. It was eventually dictated to Johnson's secretary, Marie Fehmer, by Deputy Attorney General Nicholas Katzenbach, who died earlier this month at 90.
Katzenbach had advised that any federal judge could swear in Johnson, and Johnson knew which one he wanted.
"Get Sarah Hughes," Johnson ordered Fehmer.
As Hughes, a Baltimore native, sped to Love Field, the president's widow, still dressed in the pink blood-caked suit she had been wearing that day, calmly waited in the presidential stateroom as Lady Bird Johnson attempted to console her.
Johnson asked chief White House photographer Cecil Stoughton, "Where do you want us, Cecil?" as the photographer stood on a sofa to get a better vantage point to record the administering of the oath.
The cramped main cabin of the presidential plane, whose shades had been pulled down, was jammed with staff, aides and three reporters: Newsweek's Charles Roberts, Merriman Smith of United Press International and Sid Davis of Westinghouse Broadcasting Co.
In the background, Caro wrtes, was the moaning sound from a single engine that kept turning in order to keep essential functions aboard the plane in operation.
"Judge Hughes arrived, a tiny woman in a brown dress decorated with white polka dots, and Johnson showed her to the place Stoughton had selected, in front of the sofa on which the photographer was standing, and someone put a small Catholic missal in her hands," wrote Caro.
There were two witnesses Johnson wanted: Jacqueline Kennedy and Evelyn Lincoln, who had been JFK's secretary.
Johnson's hands were so large that when he laid it on the missal, he covered it, and then raised his right hand to repeat the presidential oath.
Once the oath was administered, Johnson lowered his hand and said, "Now let's get airborne."
"The whole thing took no more than 10 minutes," Hughes told The Sunday Sun Magazine in a 1972 interview. "I think as soon as I was off the steps, it took off."
Hughes was descended from the Tilghmans who settled in Maryland in 1660. One of her ancestors was Tench Tilghman, an aide to Gen. George Washington during the Revolutionary War.
Born in Baltimore in 1896, Hughes was raised on Myrtle Avenue in West Baltimore. She was a 1913 graduate of Western High School and was a 1917 Phi Beta Kappa graduate of Goucher College.
During her law school days at George Washington University, she worked as a police officer. In 1922, she married George Hughes, a law school classmate.
After graduating from GW, the couple moved to Texas, where she established a law practice and served as a member of the Texas House of Representatives from 1931 to 1935. Her husband was a lawyer for the Veterans Administration.
When she became the first and only female district judge in Texas in 1936, at a time when women couldn't serve on juries, her opponent said she "should be home washing dishes."
As far back as the 1930s, Hughes was an outspoken advocate for women's rights and penal reform.
She lost a bid for Congress in 1946, and during the 1952 Democratic Convention her name was entered for the vice-presidential nomination.
In 1961, Kennedy appointed her to a federal judgeship in Texas.
Hughes often returned to Baltimore to attend reunions at Goucher and give lectures. In the 1972 interview, she reflected, "I've often thought I'd like to retire on the Eastern Shore, but since I don't have to [retire] as a federal judge, I guess I never will."
Hughes died in 1985. She was 88.
"How improved a state this might be, if Sarah Tilghman Hughes had gone to law school in the Maryland of her ancestors, and had she settled down to battle injustice and special privilege here," said an editorial in The Evening Sun at her death.


text:
Classic Solitaire Small Diamond Detailing on Head
Brand Frederic Sage
- 14 karat yellow gold
- 12 Head Diamonds at .03 carat total weight
- Item #: RMTG07815
Center stones vary upon request (carat weight, color, cut, clarity).
We understand that every individual is unique with differing tastes, budgets and ideals. We also understand that the world of engagement rings is intimidating. This is why, despite the "digital society", we still cherish our one-on-one interactions in-store. We educate, listen and turn your visions into reality.
Call or visit Silverscape Designs to begin your journey ♡
(413) 584-3324


text:
Ironic doesn't begin to describe Mark Saxenmeyer's dismissal from KSTP-TV for inserting in a story an inappropriate gay reference that was posted on the station's website.
Saxenmeyer is gay. He's been in a relationship for eight years.
"I've been out and proud since I was 25," Saxenmeyer told me while verbally putting a whuppin' on himself. He had just come from telling his parents, who live in Eden Prairie, about the non-April Fool's Day prank that resulted in Saxenmeyer walking out KSTP-TV's doors with his belongings boxed up on Tuesday.
On Saturday, Saxenmeyer wanted to do the story about gay Twin Cities fathers Paul Melchert and James Zimmerman being invited to attend the Obama White House's 2013 Easter Egg Roll with their 3-year-old twins, Emmett and Gabriel. The interview was scheduled during a time of day that Saxenmeyer was not working, so he passed the story on to colleague Katherine Johnson.
"We were having a conversation about sensitivity issues when it comes to things like that. She was asking what are the appropriate questions to ask a gay couple? It was good conversation because, as a gay man, I like to help people better understand gay people, and oftentimes you can do that through humor.
"I'm an admitted jokester. Humor defuses awkward situations. Sometimes through humor you gain a better understanding. She was in the process of writing her Web script on her computer. So I wrote a few things into the Web script to make her laugh.
"She came over, looked at [what he'd written], laughed, and I said, 'Make sure you delete that because obviously that would not be funny out of context.' She deleted most of it. There was one little part she missed when she closed it."
After that little part was discovered on KSTP.com, it was removed and this was added to the story: "Editor's Note: Earlier today comments were published erroneously regarding this story. KSTP does not condone the comments. Action is being taken to ensure that this does not happen again."
KSTP news director Lindsay Radford said, "I'm not going to comment on personnel issues."
Asked about the editor's note, Radford said, "We had an employee, as a joke, make an inappropriate reference inside that story. It was published with that inappropriate comment. We removed it immediately. That employee has been dealt with."
She declined to answer my questions about Saxenmeyer's status at the TV station. The question was answered later when I googled his bio, which had disappeared from KSTP.com and was replaced with an "ERROR" message.
"Lindsay, who I adore, and Anne Wittenborg, assistant news director, I absolutely adore. I feel I've let them down personally," Saxenmeyer told me. "I think KSTP is a terrific news organization and so committed.
"Bizarre ironic is what it is. I'm not sorry for me. I'm a big boy; I'll get over it. I made a profoundly stupid mistake. There's just no getting around that. I have apologized profusely. It was stupid, inappropriate, irresponsible. It is beyond comprehensible.
"Make that clear. I don't want anyone else to suffer repercussions of this. I especially don't want the gay community to be hurt or offended in any way. They are the last people I would ever want to malign and disparage.
"When you are gay, you sometimes feel you can say things because they are coming from a place not of disrespect or evil." But he's learned there's a time and a place.
"I don't want KSTP to suffer in any way. I know KSTP knows it did not come from a place of malice. I had nothing but a terrific year and a half there. I'm old enough to understand this was a grievous mistake. I hate to have the other reporter's name dragged into this. I just feel so terrible. I feel like I've kicked myself in my own butt here. I will forever regret this.
"I left there feeling terrible about this, [stating] from the deepest depths of my heart I am profusely sorry. I wouldn't even know where to stop saying I'm sorry."
Saxenmeyer spent 17 years in Chicago before moving back to Minnesota, where most of his family and friends are. He does not know what his next move will be, because, he said, "I think I have to absorb this loss. I have to learn from my mistake. That's a cliché, but sometimes you need to listen to what the universe is telling you and make some changes."
C.J. can be reached at email@example.com and seen on Fox 9's "Buzz." E-mailers, please state a subject; "Hello" does not count. Attachments are not opened.


text:
- Seat Width
- 17½"
- Seat Depth
- 17"
- Overall Depth
- 21"
- From Arm to Arm
- 19½"
- Top of Seat to Floor
- 19"
- Bottom of Arm to Floor
- 25½"
- Top of Arm to Floor
- 30¾"
- Top of Back to Floor
- 30¾"
Caroline Tilt Swivel Chair #815
Due to the custom nature of these, all bar stools and chairs currently take 16-18 weeks to be made and are shipped out of Hialeah, FL directly to you.
In Stock
Bring home style with the #815 Caroline tilt swivel dining chair by Lisa Furniture. Featuring a curved upholstered back, curved arms, seat cushion, and caster base allowing you to easily glide across the room. Great for small spaces looking for durability.
Add the Caroline to your dining room, game room, or office. Start customizing now!
- 2-year limited residential warranty
- 1-year limited commercial warranty
- It's built to last you for decades
- Heavy-duty North American steel
- Powder-coated metal finish for heavy-duty use
- Well-cushioned for long periods of sitting
- Welded joints, not screwed, for maximum strength
- Residential furniture which will stand up to commercial/heavy duty use
- Easily tilt or rock back in the chair
- Swivel 360 degrees with ease
- Casters on the base make maneuvering easy
- Armrests allow you to rest your arms
Easily Customizable
Love this? Customize it to make it your own.
- Available in a variety of powder-coated finishes including almond, black, clay pot a rust color, hammer white, metallic, oak speckled, sandstone, silver vein, and more.
- Available in a variety of comfortable fabric and microfiber colors including black suede, celery light olive color, cherry suede, copper, crocodile black, mica camel/light beige, moss taupe and black crocodile pattern, and more.
- Available in a variety of wipe-off-ready vinyl including amarillo cream sand color, amarillo flame apple red, bark, black, burnt rose cranberry/wine color, chocolate with gold football stitch, deep dark chocolate brown, crema cream color, gris nickel gray, hunter green, navy, silver, white, and more.
We also accept C.O.M. (customers own material) if you'd like to send in your own fabric or vinyl, which allows you to use any color or pattern on our stools or chairs.
|Item #
Commercial, Residential
|Arms Availability
With Arms
Some Assembly Required
|Base Style
|Material Availability
Customers Own Material (COM), Fabric, Microfiber, Vinyl
|Seat Style
Square Seat
|Special Features
Made in USA, With Curved Back
Eclectic, Traditional
|Swivel Availability
With 360-Degree Swivel, With Tilt Swivel
2-year residential warranty, 1 year commercial warranty
|Weight Capacity
400 lbs
All measurements are approximate.
Shipping Details
Due to the custom nature of these, all bar stools and chairs currently take 16-18 weeks to be made and are shipped out of Hialeah, FL directly to you.
Free shipping!
Customers Own Material (COM)
Have a fabric you love? Lisa Furniture will upholster your stools with it.
Simply select "Customers Own Material" in the Upholstery Type drop-down and complete your checkout.
After your order, we'll send you a confirmation email with the address to mail your fabric.
• For stools with padded seats, you will need a half yard per stool. (18" x 45")
• For stools with padded seats and padded backs, you will need 1.75 to 2 yards per stool.
Please make sure this is an upholstery fabric or vinyl. Unfortunately, Lisa Furniture cannot upholster a leather.
Questions? Contact us.
About this brand
Family owned and operated company founded in 1983, Lisa Furniture Corp. offers top of the line bar stools, metal kitchen dinette sets and counter swivel stools, bistro sets, pub tables and billiard barstools all made in the USA.


text:
Hit the pool and beach in your own personally designed one-piece swimsuit! This specific comes in a boyleg cut and is fully customizable from the front to the back and the straps as well so you let your inner designer run free and create a piece that will be sure to wow everyone this summer!
Enter your email address to stay tuned to our super deals and special offers.


text:
Stevie J
Young money cash money
Fast life, one night
[ Hook: Birdman]
We did it all in one night
Same night, it's one night
We moved it all in one night
The same night, over night
Took a flight, did it all in one night
Fuck a nigga bitch, all in one night
Took another trip, all in one night
Split a nigga's shit, all in one night
Overnight, ship the same night
Pay the price, the same night
Hit him up, leave it since sunny bright
He rolled the dice, so he paid the price
[Verse 1: Mystikal]
I'm still the nigga off of Tchoupitoulas
I'm still funky like hustle new
Just don't let 'em take the call from Cuba
You saw me on the news but you know what I do
I was down, and nigga I don't fuck around
Cuz I'm pound for pound and I'm blow for blow
Got another year for '98, '99
Been gone since '04, got out on parole
Shit, rappin' this man and nigga I don't just kid, nigga got my spot
Still hard like a locked up cock
Simple but the same with a locked up pac
Come and behold, they open the gates so
Brace yourself big, about to shake up the block
Can't just lock up the prince of the south
Came the time right you didn't fuck with me
Put your mold on, slot 'em, cold 'em, hold 'em
My shoulder gets cold in blood
I brought the motherfucker like it's ape charge
I'm high enough to slide between the water
I'd give it to you but nah they don't get it
I'm shovelin' the gloves but hands don't fit it
Take up a video and later get to know 'em
Get the motherfucker for preaching to Levy
I taught that detainer. Artist, painter
Sweep that finger, bang 'er
Cuz your motherfuckin' head I'mma blow off
And your body hit the floor and the carpet stained
Have the nigga that you won a star should you go to war
But you're more than a gruesome painter
When it come to rappin' get some lollics and then put 'em all together and use 'em
Aha, I'm a fool with a tool, I'mma beast in the street
Put the fucker on the door but the law got feelin' to the riddle lemme kill 'em to the beat
Fuckin' records, I'mma stab 'em with them repper
Get the phone with the chrome and I'm lone with the bone
God dammit, I grudge when I bust 'em
Three hoes with some dudes, they're alone in the room
Better off gettin' hit by a chain, ran over by a truck or fall of a house
Dare to fuck with me then my work, choke me on yourself 'til you pass out
And the fuck I don't get no shits, and you son of a bitch, you'd better watch your step
Hey, but the microphone's stickin' out your ass and the goddamn Corvette 'round your neck
Stevie J
[Verse 2: Jae Millz]
It is what it is, motherfucker what it is
We so YMCMB and the B stand for biz
Stand for bang, stand for Benzes
Stand for Bentleys, stand for Bugattis
Stand for bank, Rose bottles, beach life
Beat them hands with it, be like
Stunner, why they got me started? I was just chillin' (word)
Now I gotta kill 'em, bullets the size of chitlins
I got that old rapper clapper feel like I be in heaven
I send his ass to hell to dance to the devil's rhythm
Never dropped a album but I got a pocket full of cash
So dear rappers, fuck you and your swag
I just came back from France, did 2 shows
Now the big face Rollies, I got 2 of those
Awards on my wall for my pen, I got a few of those
Some made niggas who paid, I got a crew of those
I used to dream about pornstars, now I'm screwin' those
This YMC in business, fuck you think I do, what's up?
(Hold up)
[Verse 3: Detail]
Talkin' about, live for it
Her head good, can't imagine what she did for
Let's fuck tonight, baby bay
Yea tonight, cuz tomorrow is a workin' day
Get it early baby cuz I'm blowin' up
Maybe some time in the future I see just how you holdin' up
Tell you nigga, you choose it now
Say you're shiftin' gears, cruise it now
Let me tell you something
I make beats, I lay tracks, I write hooks, I love God, I fuck bitches. Fact
Don't take long, I'm all night
I'll pick you up, you ball right
My applause is that I'm all in but I'm thinkin' 'bout gettin' back
Get it all, man get it all
Never let that cup spill
I'm fresher than a motherfuckin' shaker
Okay, our night is young and we on
Feel good and you hurt nigga
Cash money and young money
I'm 'bout that, see the shirt nigga
The shirt nigga
Young money, cash money that's right
We on top and we never gonna stop
Number one crew (YM)
Getting' rich (CMB)
Believe that
Stevie J
That's right


text:
Web Design Showcase (WDS) is a great looking showcase-style WordPress theme built with the amazing functions that will help you to run your web design showcase without loosing too much time.
WDS WordPress Theme features:- Front-end Submission Form
- Contact Form included
- Rating System included
- Color palette generator included
- 4 Color Styles
- Text Shortcodes
- Fully layered PSD files
- Rating system bug fixed
- Our Favorites links bug fixed
- Pagination bug fixed
"I get a message: The uploaded file could not be moved to /var/www/html/wp-content/uploads/2011/05"
You must CHMOD the "uploads" folder located in the /var/www/html/wp-content/uploads/ to 777. You can CHMOD (change the permissions) of a file using your favorite FTP program. If you are confused try following this tutorial.
Sources and Credits- Droid Sans from Google Fonts
- Amazing icons by IconSweets


text:
Russell Brand and Katy Perry are splitting up.
Following days of rumors that their relationship was on the rocks, Brand, 36, filed for divorce in Los Angeles County Friday.
"Sadly, Katy and I are ending our marriage. I'll always adore her and I know we'll remain friends," the Associated Press quoted Brand as saying.
U.S. & World
Divorce filings obtained by TMZ cite irreconcilable differences.
Perry and Brand began dating after running into each other at the September 2009 MTV Video Music Awards, where Brand hosted and she performed.
They were married just over a year later in a spectacular wedding ceremony in northern India. The wedding weekend included a Bollywood-themed party filled with drummers and acrobats.
Stylish and funny, the couple have been a fixture on the awards show circuit and a paparazzi favorite while out shopping or heading to the gym since they met. They have fended off rumors of separation before, often taking to Twitter.
Perry is coming off a spectacular year as a pop star, earning five No. 1 singles off her 2010 album, "Teenage Dream," and becoming the first female artist to do so. She broke into the charts in 2008 with the provocative single "I Kissed a Girl." Noted for her cutesy-glam — some would say bizarre — ensembles, Perry raised eyebrows when she appeared on "Sesame Street" in a low-cut dress.
Brand is a British comedian who made his name giving first-person accounts of his battles with drug and sex addiction, writing his memoirs "My Booky Wook" in 2007. He first hosted the MTV Awards in 2008, catching Americans' attention with cracks about George Bush and Britney Spears, and opening the door for an acting career. He played Aldous Snow in 2008's "Forgetting Sarah Marshall," a rock star with his own issues, who later became the main character in "Get Him to the Greek." Most recently he starred the remake of "Arthur," which bombed at the box office.
Selected Reading: TMZ


text:
Top 10 Most Romantic Spots In Southern California
Editors note: While this post IS from two years ago, we've added a couple of bonus spots, and we still strongly feel that our choices from the past ring true for the present. Enjoy!
We're rapidly approaching Valentine's Day and if you're in a relationship, there's lots of pressure to plan the perfect date.
Luckily for us, we live in Southern California, which is chock-full of scenic beauty and intimate activities.
So if you are still stumped on where to take your honey, check out our picks for the most romantic places to celebrate your love!
Griffith Observatory
2800 East Observatory Road
Los Angeles, CA 90027
There's nothing like staring at the stars to get you feeling all mushy.
Head on up to Griffith Observatory for not only some star-gazing action, but stunning views of Downtown, the Hollywood sign, and the ocean.
Malibu Beach
Zuma Beach
30000 Pacific Coast Highway
Malibu, CA 90265
If you're the outdoorsy type, then grab a bikini and trek over to Malibu. It's a little off the beaten path, making it more intimate than other crowded beaches, plus, you just can't beat the sunsets.
In the mood for some dolphin sightings? One of our favorites spots is Zuma Beach.
Getty Center
1200 Getty Center Drive
Los Angeles, CA 90049
If you're the kind of couple who likes a little culture, then the Getty Center is a great option.
What will you find there? Priceless art, impressive architecture, and gorgeous gardens.
Plus, admission is FREE. Parking is $15, so we'd call that one cheap date!
1313 S. Disneyland Drive
Anaheim, CA 92802
For a truly magical evening, The Happiest Place On Earth is a pretty safe bet.
Hang with Mickey, snuggle during the nightly fireworks show, and don't forget to take a picture in front of the castle with your matching mouse ears…adorable!
Rodeo Drive
Rodeo Drive
Beverly Hills, CA 90210
Sure, to boys this may not seem like the most obvious choice, but when us ladies think of Beverly Hills, the ultimate chick flick Pretty Woman comes to mind!
Take a leisurely stroll down the streets hand in hand with your sweetheart. Trust us, even if you're just window shopping, it still feel super glamorous.
And there's plenty of jewelry stores if you plan on doing any ring shopping…hint, hint!
Naples Island Gondola
Naples Island, CA 90803
Not all of us can afford a trip to Venice, Italy, but we could at least save up enough for a romantic gondola ride right here in the aptly-named Naples, CA.
Cruise through the stunning canals courtesy of a strapping young gentleman in a striped shirt and don't forget to kiss underneath every bridge!
Huntington Botanical Gardens
1151 Oxford Road
San Marino, CA 91108
Sure, you could always buy your lady a bouquet of roses, but why not just take her to an entire garden?
The botanical gardens at the Huntington Library are home to more than 14,000 varieties of plants and it's a great place to get in touch with nature while also catching some rays.
Santa Monica Pier
200 Santa Monica Pier
Santa Monica, CA 90401
Act like a kid again and take a trip on over to the Santa Monica pier. It's your one-stop shop for carnival fun.
Play some games, win a stuffed animal, and ride the Ferris wheel with your Valentine!
Catalina Island
Avalon, CA 90704
If a day trip is more your style, Catalina Island may do the trick.
You can take guided tours through the wilderness, check out the historic casino, or get gorgeous view of it all by para-sail.
Ferries depart from Long Beach, San Pedro, Dana Point, Newport Beach, and Marina del Rey and it takes less than an hour to get there.
Temecula Valley Wine Country
Temecula, CA
For those of you who are of age, Temecula's a great area to go wine touring, especially if you don't have the time to make it up to Napa.
Reserve a hot air balloon ride for you and your better half. If that doesn't win them over, we don't know what will!
Old Town Pasadena
If you haven't strolled along this area of Pasadena, you're missing out. It's 22 blocks of pure delight with cafes, art galleries, and so many other wonderful things to check out.


text:
Professional Community for Car Dealers, Marketing, Advertising and Sales Leaders
Men and women who consistently put big numbers on the sales board are farmers.
No, they don't grow organic vegetables, but they do know the value of the law of the harvest.
This law says that what you sow you reap.
With 100% certainty, if you plant tomato seeds the end result will be tomatoes.
In other words, if you sow or plant future sales opportunities by working your customer database you're certain to convert many of those opportunities into sales.
These sales will happen, not always in the same season, of course, but because you plant seeds – plant future sales opportunities -- every day. Because you do, you reap a harvest every day as well.
Unfortunately, most sales associates are not farmers
They're waiters… waiting on a fresh showroom up, a phone up or an internet lead. Statistically, their sales tend to carry low grosses, their customer CSI is lower, and their deals earn them only mini commissions.
Break up your fallow ground
In agriculture terms, acreage not used for crop production for a season or two is called fallow ground. In car sales terms, this acreage is the customer database. The farmers in the dealership know that it's by breaking up their fallow ground – working the database – that bountiful harvests are secured for the months and years ahead.
Farmers make great car sales professionals
They take control of their future. They don't complain, don't waste time in huddles, and they show up on time to work, not read the newspaper and get themselves "settled."
Farmers work their ground regularly by calling customers and asking them for referrals, to obtain names of other members in the household who own or drive vehicles and they routinely promote themselves through community networking and personal public relations efforts.
Farmers in the dealership, compared to hunters:
Farmers fall into a sales category I like to call unconsciously competent: They innately possess the kind of sales attitude that drives them to create their own opportunities. Farmers instinctively do what is right, consistently.
Farmers know that selling cars is like raising crops – a process, not an event.
They embrace the truth that their success is theirs to achieve, no one else's.
They manage their time, they work hard, they understand the statistics are on their side, and they make great money.
CAR-Research XRM
Views: 567
The reality of this wisdom is a clear picture of the 80 / 20 rule - though in the car biz, it's more like 90 / 10. In this context, I think the hunter / farmer analogy could be used for either side of the same coin. Semantics aside, the reality is most salespeople will never even hear this, much less have the courage and work ethic to implement it. Most sales managers I have experienced talked this game, but never ACTUALLY DID IT themselves.
Tom LaPointe
Interactive Media Manager / Industry Analyst
24/7 Interactive Automotive Dealer Website Chat Solutions
Hosted or In-House Options
© 2020 Created by Ralph Paglia. Powered by


text:
When fans tell James Irvin that they saw him on TV, he asks who got knocked out because it seems it's always one or the other.
"I seem to have the brightest highlights and the biggest down-lows," Irvin (14-6 MMA, 4-5 UFC) today told MMAjunkie.com (www.mmajunkie.com).
Irvin had another "down-low" in his most recent performance, but he's literally re-arranged his life for his next, and perhaps final, UFC opportunity when he faces Igor Pokrajac (21-7 MMA, 0-2 UFC) on Aug. 1 at "UFC on Versus 2: Jones vs. Matyushenko."
Perhaps rightfully so, Irvin feels he's due for an upswing and a return to the right side of highlight reels. The 31 year old feels healthy and ready to compete for the first time in a long time. But even if that changes, he's barreling forward.
Some MMA observers have called him the "most cursed fighter in the history of the sport," a tag he can't really argue with. He's been forced to drop out of fights due to a litany of health problems and out-of-cage issues that have made his recent UFC appearances sporadic, at best.
Irvin was tired of the seesaws in his career; he wanted to start winning again. So, he uprooted himself from his longtime home of Sacramento, Calif., and left a school full of students for an apartment in Norco, Calif., not far away from the Reign Training Center in Orange County. He said his hometown had plenty of little guys – think Urijah Faber's army – but fighters heavier than 200 pounds were in short supply.
Two months after the move, he sounds like a changed man.
"I can easily say that every day, I get better," Irvin said. "I only have five or six years left in this sport, and I had to make a sacrifice."
He's worked with a laundry list of established 205-pounders and taken and given beatings in the process. He's also one year sober after a long battle with prescription painkillers and goes to meetings three times a week.
His sacrifice has created other strains in his life. Gone is the income from his busy school, and his most recent fight was his first in almost two years. He received a bonus check from UFC president Dana White following that fight, a TKO loss to Alessio Sakara at UFC on Versus 1 in March, but he burned most of it in the move to Southern California.
"I'm pretty much broke," Irvin said. "Keeping gas in my car is about all I can do right now."
But he'll gladly pay the price to sharpen his skills.
"I can't take my chances on iffy training," he said. "The guys are getting better and better every time I fight, and I can't sit back and watch my dream go by."
Irvin is back at light heavyweight after yet another tough lesson. Once a heavyweight fighter, he fought Sakara at middleweight and felt his body fail him when he stepped inside the octagon. He showed up to the weigh-ins looking like death on a stick. White said no more of that, at least for now.
"I didn't feel that bad," Irvin said of the March fight. "But I knew it was bad enough once I saw a picture of myself. It was funny because I was 190 that whole week and I felt great. Once I got to 189, I looked like I'd been on a coke diet for a month."
Now, he's hovering in the very low 200s and will easily make weight. One positive from the experiment, he said, is that he no longer needs to use IV's or hit the sauna to get his body functioning again.
He said the confidence that accompanied his most highlight-worthy wins, such as a flying knee KO of Terry Martin at UFC 54, is back with his new training roots.
But he's still aware that this fight could be for his UFC future.
"This is a do-or-die situation," Irvin said. "I lose this fight, (and) I might have to start looking for a new career. I don't want to go back to the smaller shows. No one does. This is someone I need to beat. This is someone I need to put an ass-beatdown on. I put a lot of pressure on myself, and I'm determined.
"I've sacrificed enough moving down here, and wherever this fight goes, I'm going to be ready for it.
"I've had enough bad luck for three fighter's careers."
For more on UFC on Versus 2, stay tuned to the UFC Rumors section of MMAjunkie.com.


text:
class Insecta
Elymiotis notodontoides Walker, 1857 = Cicynna sericea Walker, [1858] = phaleroides (Walker, 1865).
Initial species uploading to the site: Peter Khramov.
Note: you should have a Insecta.pro account to upload new topics and comments. Please, create an account or log in to add comments
* Our website is multilingual. Some comments have been translated from other languages.
There are no photos of this species on the website yet. You can offer your photo by logging into your account
Elymiotis alata Druce 1890
Elymiotis ancora Felder 1874
Elymiotis attenuata Walker 1858
Elymiotis audax Druce 1901
Elymiotis boisil Schaus 1928
Elymiotis complicata Dognin 1909
Elymiotis corana Schaus 1928
Elymiotis cretosa Dognin 1908
Elymiotis donatian Schaus 1928
Elymiotis glaucula Draudt 1932
Elymiotis longara Cramer-Stoll 1791
Elymiotis lupicina Schaus 1928
Elymiotis morana Schaus 1928
Elymiotis plechelm Schaus
Elymiotis purpurascens Butler


text:
Award-winning comedienne, singer, impressionist, actress, and artist, Marilyn Michaels, knew she was "different" early. Voden? After all, Marilyn comes from major Yiddish show biz yichus with the DNA to prove it. She's the daughter of the late feisty cantoress Fraydele Oysher, and Metropolitan Opera basso, Harold Sternberg. Her uncle was the legendary Moishe Oysher. If others were "born in a trunk," Marilyn was born somewhere between the Yiddish Theater and the Derma Road (the Catskills).
Marilyn was born somewhere between Yiddish Theater at the Catskills.
Says Marilyn: "Different? When I was three, we were vacationing in a kuchalayn (a cottage in the Catskills). While my family was out playing cards, thinking I was tucked safely in my crib, I climbed out, and walked outside onto the dark road. A car came careening around a curve. What did I do when I saw the headlights coming toward me? Did I run? No. I sang and danced! To me they were spotlights! Voden?
"Different?" Yes. And that difference has won her awards for Catskills On Broadway, the starring role in the national company of Funny Girl, an Emmy winning TV series, The Kopykats, and countless guest appearances from Lifestyles with Robin Leach to The Tonight Show. Marilyn has performed in virtually every major venue from Town Hall, to Harrahs, singing in no less than five languages.
Marilyn is also an accomplished painter whose artworks are shown in fine galleries. Her famous art poster, The Fabulous Blondes, depicts a mural consisting of movie goddesses.
I recently asked Marilyn to talk about her life, her work, and of course, her legacy.
Q#1. Marilyn, what was it like being "different" – wildly talented and part of a special family?
MM: I was always a strange kid. Always singing … from birth. I walked on stage in my diapers! I was sent to sleep away camp at age five. I hated it. The counselors particularly hated me because they had to braid my pigtails every morning. But, they recognized that I had talent or whatever, because I was always starring in the camp shows… ya know? Like "Tick Tock" or whatever. What a little ham I was (This is a Jewish site, but I was still a "ham!") After one show, I parted the curtain and took a solo curtain call – for myself! Such chutzpah!
My mother prided herself in keeping me a "normal" child by sending me to "regular" school … like they thought maybe I'd become a what? Nurse? Or a physicist? I didn't fit in. I felt like a pariah. There was a group of good looking girls, who ignored me. I was an outsider, and, as many successful people was not part of the "IN group. Then, one holiday, the teacher asked if anyone could "do" something for the class. Like, ahem, perform? So, of course I marched up there and blew them away. The kids ran up to give me their Christmas stockings filled with candy! At that moment I realized what power I really had. And it had to do with performing. When I grew up, those girls who ignored me back then came to my shows and were all over me.
Q#2. What was it like being raised by these icons and how did it affect your career choice?
MM: Well, from the time I was one, I lived in the theater. Watching my mother on stage, that glamorous figure, her beauty, power, and grace, I was transfixed. The rest of the time I'd spend at the Metropolitan Opera where my father was a basso profundo. As a kid, I would sit in on the dress rehearsals of Lucia with Sutherland … and eat my bagel, lox and cream cheese – and finish it off with a Snicker's Bar. I think the press wanted to kill me because I made noise. But it was a great time, meeting Lily Pons and Roberta Peters. They smelled of perfume, with jangling jewelry, and were so gracious to this little 9-year-old kid. It all seemed normal because I was born into it. My Uncle Moishe (Oysher) would sing at the Pines during the High Holy Days, and he knew I had "it" – or whatever you call "it" today. I was a soloist at 14. He was so phenomenal, such a blazing master of song and liturgical music. And here I was, doing solos with him. There is no word to describe that experience except, "transcendent."
Q#3. What is your earliest memory of performing "professionally?"
MM: My mother called me up on stage. It was at the National Theater on Houston and Second Avenue. I was seven, in the theater as usual, wearing my little dress … blue with a rainbow design on the skirt. And she said, 'Is my daughter Marilyn in the audience? Marilyn will you come up here?' We sang a duet in Hebrew. That was the beginning because then she took me on stage with her on the holidays and vacations from school.
Q#4: You experienced the Yiddish Theater first-hand. What stands out in your memory about those times?
MM: Oh, it was wonderful! I was back stage all the time with Molly Picon, Henrietta Jacobsen (Bruce Adler's mother), Dinah Goldberg. They held me as a tiny baby while my mother was on stage. As a child, they treated me with respect, never with a disregard or with the attitude that children should be seen and not heard. They were genuinely warm. Then, when I began to perform they were duly proud. They were terrific comediennes and I absorbed that from them as well as from my mother.
Q#5: Turning to the Catskills, you were a headliner at a very young age. What do you remember best about "The Derma Road?"
MM: The casino, the shows, the morning with the Cream of Wheat. The smell of the musty rooms, the swimming pool – and the cute busboys! It was very much like the film Dirty Dancing. But it became a true training ground for me when I began to work. Today, there's no place to fail … no place to learn anymore
Q#6: What are your thoughts on how being Jewish informs you and other artists?
MM: I come from a Jewish heritage that is indeed "Royal." Jewish Music when done the way my family did it, is great indeed. Moishe was the greatest Cantor, actor, film star… he did it all. Many of today's Cantors… I don't know, they cannot compare to their predecessors. (A lot of them need to lay off the brisket.) Part of being a Cantor is being a great performer as well. Many Jewish cantors were often opera singers who came straight out of the Metropolitan Opera, such as Jan Peerce and Richard Tucker.
Jewish comedy writers are without a doubt, the state of the art globally, from Woody Allen to Mel Brooks to Aaron Sorkin who just won the Oscar for best screenplay. Jews are brilliant in so many of the creative arts, comedy and music heading the list. The entire American Songbook is almost exclusively a Jewish Boys Club except for a few guys like Cole Porter, and of course the tremendous African American influence.
Q#8: How would you summarize your remarkable life?
MM: I hope it's not over yet! I've just entered a phase where I'm writing music, and it's such an exciting thing. The creative part of my life, aside from performing is painting because art is a huge part of who I am. But being creative as a composer is a thrill, and I hope to get the show mounted. I'd be on Cloud 9! And indeed, I've been up there … sharing the stage with Moishe, Mom, Sammy Davis, Dean Martin, Orson Welles, and the list goes on and on. There's the thrill of being part of that … part of the best!


text:
Share on
The Mercedes-AMG C 43 4MATIC Cabriolet fits seamlessly into the family portrait. An impressive acoustic presence has always been an integral part of AMG. Just like every AMG, not only can you see that the Cabriolet is specifically aimed at the demands of sporty drivers, you can hear it, too. At its absolute best with the top down.Learn More
Mercedes-AMG is not just a manufacturer of performance vehicles and sports cars, AMG is a promise. With the performance to match the adrenaline, the Mercedes-AMG C 63 S Cabriolet exceeds even its own benchmarks with more power, more technology, breathtaking acceleration and shorter braking distances. The new Mercedes-AMG C-Class Cabriolet represents our claim to pull out all the stops – in every moment, every metre of the way.Learn More


text:
Zero Hedge
February 3, 2012
Preface: Roubini says that attacking Iran would lead to global recession. The IMF says that Iran cutting off oil supplies could raise crude prices 30%. War with Iran would kill the American economy. and see this and this).
So yes, this is a newsworthy economic and financial story.
The American and Israeli Beat the War Drums … But the People Want Peace
While the same neoconservatives who pushed the Iraq war are now loudly beating the drums of war against Iran, neither the American or Israeli people want war.
A new United Technologies/National Journal "Congressional Connection Poll," finds that only 13% Americans think the U.S. should "take covert action against Iran such as sabotage and assassination of scientists working on their nuclear program".
Only 17% support "tak[ing] military action against Iran, including bombing weapons facilities inside the country."
And most Israelis are against war with Iran as well.
As University of Maryland professor of government, and senior fellow at the Brookings Institution, Shibley Telhami and director of the Program on International Policy Attitudes, Steven Kull, note in the New York Times:
Despite all the talk of an "existential threat," less than half of Israelis support a strike on Iran. According to our November poll (.pdf), carried out in cooperation with the Dahaf Institute in Israel, only 43 percent of Israeli Jews support a military strike on Iran — even though 90 percent of them think that Iran will eventually acquire nuclear weapons.
Most important, when asked whether it would be better for both Israel and Iran to have the bomb, or for neither to have it, 65 percent of Israeli Jews said neither. And a remarkable 64 percent favored the idea of a nuclear-free zone, even when it was explained that this would mean Israel giving up its nuclear weapons.
The Israeli public also seems willing to move away from a secretive nuclear policy toward greater openness about Israel's nuclear facilities. Sixty percent of respondents favored "a system of full international inspections" of all nuclear facilities, including Israel's and Iran's, as a step toward regional disarmament.
Given that the elites who profit from war will do their best to try to pretend we must attack Iran to protect ourselves, we must all be wary of a false flag attack against Iran. Indeed, it almost seems as if some have already hinted in that direction.
Why of course the people don't want war … But after all it is the leaders of the country who determine the policy, and it is always a simple matter to drag the people along, whether it is a democracy, or a fascist dictatorship, or a parliament, or a communist dictatorship … Voice or no voice, the people can always be brought to the bidding of the leaders. That is easy. All you have to do is to tell them they are being attacked, and denounce the pacifists for lack of patriotism and exposing the country to danger. It works the same in any country.
The Emergency Election Sale is now live! Get 30% to 60% off our most popular products today!


text:
$3k to $50k
based on $20,000 loan amount for 3 years
Fixed up to 8.5%
3 years
RateCity Says: Tech-savvy borrowers can join this digital lender, without needing to put down security.
Calculate repayment for MyState Bank product
$3k to $50k
Your estimated repayment
based on $20,000 loan amount for 3 years
Pros and Cons
Pros and Cons
- No early exit penalty
- Unlimited extra repayments
- Flexible repayment options
- No security required
- Can apply online
- Can apply in branch
- Use the loan for any worthwhile purpose
- Fast time to funding
- Service fee charged
MyState Bank Features and Fees
MyState Bank Mortgage Discount Personal Loan (Existing HL Customer) Features and Fees
- Details
- Features
- Fees
- Permitted Loan Purposes
- Application method
Total repayments
Interest rate type
Borrowing range
$3k - $50k
Security type
Loan term
0 year to 7 years
Secured by
Loan type
Is Fully Drawn Advance
Repayment frequency
Weekly, Fortnightly, Monthly
Extra repayments
Redraw facility
redraw activation fee of $0
Instant approval
Time to funding
24 hours
Upfront Fee
Ongoing Fee
$10 Monthly
Missed Payment Penalty
Early Exit Penalty Fee
Permitted Loan Purposes
New Car
Used Car
Debt Consolidation
Medical Bill
Student Loan
Application method
In branch
Pros and Cons
- No early exit penalty
- Unlimited extra repayments
- Flexible repayment options
- No security required
- Can apply online
- Can apply in branch
- Use the loan for any worthwhile purpose
- Fast time to funding
- Service fee charged
MyState Bank Mortgage Discount Personal Loan (Existing HL Customer) Features and Fees
- Details
- Features
- Fees
- Permitted Loan Purposes
- Application method
Total repayments
Interest rate type
Borrowing range
$3k - $50k
Security type
Loan term
0 year to 7 years
Secured by
Loan type
Is Fully Drawn Advance
Repayment frequency
Weekly, Fortnightly, Monthly
Extra repayments
Redraw facility
redraw activation fee of $0
Instant approval
Time to funding
24 hours
Upfront Fee
Ongoing Fee
$10 Monthly
Missed Payment Penalty
Early Exit Penalty Fee
Permitted Loan Purposes
New Car
Used Car
Debt Consolidation
Medical Bill
Student Loan
Application method
In branch
Compare and review personal loans with similar features
MyState Bank related news
Popular personal loans searches
Personal loans payday loans
Personal loans payday loans
Self employed personal loan
500 payday loan
Top personal loan
Snowmobile personal loan
Personal loans family law costs
Fixed rate personal loan
Australian personal loan
Unsecured personal loan
Secured personal loan
Caravan personal loan
Major purchase personal loan
Best personal loan
Cheapest personal loan
Debt consolidation
Low interest personal loan
Guarantor personal loan
What is a personal loan?
A personal loan sits somewhere between a home loan and a credit card loan. Unlike with a credit card, you need to sign a formal contract to access a personal loan. However, the process is easier and faster than taking out a mortgage.
Loan sizes typically range from several hundred dollars to tens of thousands of dollars, while loan terms usually run from one to five years. Personal loans are generally used to consolidate debts, pay emergency bills or fund one-off expenses like holidays.
Should I get a fixed or variable personal loan?
Fixed personal loans keep your interest rate the same for the full loan term, while interest rates on variable personal loans may be raised or lowered during your loan term.
A fixed rate personal loan keeps your repayments consistent, which can help keep your budgeting consistent. You won't have to worry about higher repayments if your rates were to rise. However, on a fixed loan you'll also potentially miss out on more affordable repayments if variable rates were to fall.
Where can I get a personal loan?
The Australian personal loans market contains dozens of lenders offering several hundred different products. Personal loans are available through a range of institutions, including:
- The big four banks (ANZ, Commonwealth Bank, NAB and Westpac)
- Smaller banks (such as Bank of Queensland, Bendigo Bank and MyState)
- Mutual banks (such as Heritage Bank, Greater Bank and Newcastle Permanent)
- Credit unions (such as People's Choice Credit Union, BCU and Community First Credit Union)
- Non-bank lenders (such as Pepper Money, Liberty and RACV)
- Peer-to-peer marketplaces (such as Harmoney, SocietyOne and RateSetter)
There are three main ways to access personal loans. You can go through a comparison website, such as RateCity. You can use a finance broker. Or you can directly contact the lender.
How are personal loans regulated?
Personal lenders in Australia are regulated by ASIC (the Australian Securities & Investments Commission) and must follow responsible lending rules. That means they can't lend money without making "reasonable inquiries" about a borrower's financial situation and ensuring the loan is "not unsuitable" for them.
What are the pros and cons of personal loans?
The advantages of personal loans are that they're easier to obtain than mortgages and usually have lower interest rates than credit cards.
One disadvantage with personal loans is that you have to go through a formal application process, unlike when you borrow money on your credit card. Another disadvantage is that you'll be charged a higher interest rate than if you borrowed the money as part of a mortgage.
How much can I borrow with a personal loan?
It's unusual for a lender to provide a personal loan of above $100,000, although there is no formal limit. As with all lending products, each lender sets its own policies, while each borrower is assessed on a case-by-case basis.
What is a bad credit personal loan?
A bad credit personal loan is a personal loan designed for somebody with a bad credit history. This type of personal loan has higher interest rates than regular personal loans as well as higher fees.
Are there low doc personal loans?
Self-employed borrowers may be eligible for low doc personal loans, which require less documentation in their application process than many other personal loan options.
It's important to remember that though low doc personal loans may require less paperwork, you may need to provide additional security, or pay a higher interest rate.
Can you refinance a $5000 personal loan?
Much like home loans, many personal loans can be refinanced. This is where you replace your current personal loan with another personal loan, often from another lender and at a lower interest rate. Switching personal loans may let you enjoy more affordable repayments, or useful features and benefits.
If you have a $5000 personal loan as well as other debts, you may be able to use a debt consolidations personal loan to combine these debts into one, potentially saving you money and simplifying your repayments.
How long do personal loans take?
Depending on the lender, some personal loan applications can be approved in as little as one hour, or you may need to wait until the next business day. If approved, you may receive your money on the same day, the next business day, or within the week.
Can I get an easy/instant personal loan?
Some lenders are able to approve applications with little documentation and within minutes. However, there is a catch. People who take out easy/instant loans generally pay higher interest rates and are restricted to lower amounts than people who follow a traditional borrowing process.
Can I get a no credit check personal loan?
Personal loans with no credit checks are available and called 'payday loans'. These are sometimes used as short-term solutions for cash-strapped Australians. They often carry higher interest rates and fees than regular personal loans, and individuals risk putting themselves into a worsened cycle of debt.
What is a secured bad credit personal loan?
A bad credit personal loan is 'secured' when the borrower offers up an asset, such as a car or jewellery, as collateral or security. If the borrower fails to repay the loan, the lender can then seize the asset to recoup its losses.
How do you get a bad credit personal loan?
You can get a bad credit personal loan by applying directly to a lender, by going through a mortgage broker or by using a comparison website like RateCity.
What interest rates are charged for personal loans?
Lenders aren't allowed to charge interest on loans of $2,000 and under. Instead, they make their money by charging a one-off establishment fee of up to 20 per cent and a monthly account-keeping fee of up to four per cent. Lenders might also ask you to pay a government fee.
For loans between $2,001 and $5,000, lenders can make their money in only two ways: a one-off fee of $400 and annual interest rates of up to 48 per cent.
For loans of $5,001 and above, or for loans that have terms longer than two years, lenders can charge annual interest rates of up to 48 per cent.
Those fee caps don't apply to loans offered by authorised deposit-taking institutions such as banks, building societies or credit unions, although such institutions are highly unlikely to charge interest rates of anywhere near 48 per cent.
What is an unsecured bad credit personal loan?
A bad credit personal loan is 'unsecured' when the borrower doesn't offer up an asset, such as a car or jewellery, as collateral or security. Lenders generally charge higher interest rates on unsecured loans than secured loans.
What can I use a bad credit personal loan for?
Generally, bad credit personal loans can be used for the following purposes:
- Debt consolidation
- Paying bills
- Buying vehicles
- Moving expenses
- Holidays
- Weddings
- Education
Some lenders restrict how their bad credit personal loans can be used as part of their commitment to responsible lending – be sure to check before applying.
Can I repay a $3000 personal loan early?
If you receive a financial windfall (e.g. tax refund, inheritance, bonus), using some of this money to make extra repayments onto your personal loan or medium amount loan could help reduce the total interest you're charged on your loan, or help clear your debt ahead of schedule.
Check your loan's terms and conditions before paying extra onto your loan, as some lenders charge fees for making extra repayments, or early exit fees for clearing your debt ahead of the agreed term.
Do student personal loans require security?
While some personal loans can be secured by the value of an asset, such as a car or equity in a property, student personal loans are often unsecured, which typically have higher interest rates.
Some lenders also offer guarantor personal loans to students. These loans have lower interest rates, as a guarantor (usually a relative of the borrower with good credit) will fully or partially guarantee the loan, taking on the financial responsibility if the borrower defaults.
What are the pros and cons of debt consolidation?
In some instances, debt consolidation can help borrowers reduce their repayments or simplify them. For example, someone might take out a $7,000 personal loan at an interest rate of 8 per cent so they can repay an existing $4,000 personal loan at 10 per cent and a $3,000 credit card loan at 20 per cent.
However, debt consolidation can backfire if the borrower spends the extra money instead of using it to repay the new loan.


text:
We all love taking some time to pamper ourselves. But imagine how much more regularly you'd be able to indulge if you didn't need to make a trip to the salon every time! At glamdeva.com, we want to make it easy for you to book talent, professional Prom Hair & Makeup in Rayleigh - all from the comfort of your own home!
At Glamdeva, we're on a mission to help women across Rayleigh look their best with minimum fuss. And so, we've developed an innovative online solution! By connecting fantastic Graduation Makeup Artists with customers seeking in-home experiences in their local area, we've developed a network of on-demand beauty services that will have you looking fabulous in no time at all.
The way it works couldn't be simpler! All you need to do is visit our website or download our app, tell us what you're looking for, and that's it! We make it easy for you to browse, compare and book a wide range of professional services across Essex in just a few clicks. Now, it's easy to find the perfect Prom Hair Stylists to suit your needs - all without paying over the odds!
At Glamdeva we'll connect you with top Prom Hair & Makeup professionals across Rayleigh - so get in touch to find out more today!


text:
UPDATE: Imagining Diaspora in Canadian Literature (grad) (1/20/07; McGill, 10/3/07-11/3/07)
=93New Worlds, Lost Worlds=94: Discovery, Change, and Loss in Literature
McGill University, Montr=E9al
13th Annual Graduate Conference on Language and Literature
March 10-11, 2007
*please note the extended deadline*
New Worlds, Lost Worlds, Lost Words, New Words:=20
Imagining Diaspora in Canadian Literature
If to live in diaspora is to live the experience of leaving one world =
for another world, of being away, of being broken up and split apart, =
then perhaps it is through words, new and old, that we can attempt to =
piece ourselves back together again and lead ourselves, if not home, =
then somewhere else, elsewhere-
Canada has long been a new world for diasporic subjects, for people in =
exile or in transit from elsewhere. How does the experience of diaspora =
inform the writing of contemporary Canadian writers? How do =
contemporary Canadian writers who are living in diaspora, including =
Dionne Brand, Rawi Hage, and M.G. Vassanji, use literary spaces to =
confront violence and trauma in order to bring about positive change? =
How is the condition of diaspora complicated when the writer or =
character lives in a condition of multiple diasporas, drawing from =
several different locations and traditions in their expression of home, =
homeland, history =85 This panel is interested in our responsibility, as =
critics and writers, to discuss how we can create new maps and new ways =
to look at diaspora. Even if the condition of diaspora is one inspired =
by tragedy, loss, and grief, can diasporic writers and artists, as part =
of their role as political and social critics, also enable the =
possibility of positive change and the potential of hope?=20
Papers might focus on the relationship between art and activism. How =
does artistic work attempt a productive and critical remembering of the =
trauma and terror of history as part of its strategy for social change? =
How can nostalgia be used in a way that does not indiscriminately =
celebrate the past and present horrors that enable the reality of social =
hybridity and the condition of diaspora? How can art, and writing as an =
example of art, transform rage, madness, and trauma into something that =
can inspire the possibility of life again?=20
This panel encourages papers that interrogate how writing by =
contemporary diasporic Canadian artists can propose new ways to tell =
history differently. By drawing productively from historical trauma, =
perhaps it is possible to tell of lost worlds with new words, and to =
tell of new worlds with lost words, and in so doing, enable not only the =
formation of a new Canadian canon but also a new Canadian society.=20
Please send 300-word paper proposals to sarah.waisvisz (at) gmail.com by =
20 January 2007.
From the Literary Calls for Papers Mailing List
Full Information at
or write Jennifer Higginbotham: higginbj_at_english.upenn.edu
Received on Tue Jan 16 2007 - 17:19:40 EST


text:
In a week that was dominated by stories about Lance Armstrong and Manti Te'o, it's hard not to be a little cynical about the sporting world. The story of long distance runner Iván Fernández Anaya may serve as a welcome antidote. The Spanish runner, who trains in the Basque capital of Vitoria-Gasteiz, has become something of a cult hero for a kind gesture that helped an opponent win a race.
Fernández Anaya was trailing behind Olympic bronze medallist Abel Mutai during a cross-country race in Burlada, Navarra. Mutai was leading comfortably until he pulled up 10 to 20 metres short of the finish line thinking the race was already over. Instead of passing Mutai, Fernández Anaya slowed down and told Mutai to keep running. Since they didn't speak a common language, the Basque runner gestured frantically at Mutai who went on to win the race.
"I didn't deserve to win it," Fernández Anaya told El País. "I did what I had to do. He was the rightful winner. He created a gap that I couldn't have closed if he hadn't made a mistake. As soon as I saw he was stopping, I knew I wasn't going to pass him."
Fernández Anaya's actions may not have earned him the win, but they did earn him many new fans. Since the race took place in December, his Twitter and Facebook pages have been filled with plaudits from around the world.
One person who was not so thrilled about the move: his coach Martín Fiz, who told El País he admired Fernández Anaya's honesty, but it was a "gesture I myself wouldn't have made. I certainly would have taken advantage of it to win."


text:
JBL LINK VIEWDetails https://www.jbl.co.nz/bluetooth-portables/JBL+LINK+VIEW.html?dwvar_JBL%20LINK%20VIEW_color=Black-ASIA-Current
JBL legendary sound in a Smart Display with the Google Assistant.
JBL legendary sound in a Smart Display with the Google Assistant.
Get help from your Google Assistant
Ask it question, tell it to do things, control your music, lights, queries and much more with a simple voice control.
Legendary JBL sound
Enjoy incredible rich stereo sound with deep bass.
8" high-definition touch screen
View more information and content at a glance, clear and crisp.
5MP front facing camera
Enjoy a high-definition video calls to your family and friends.
PrivacySwitch™ - camera shutter and microphone mute switch
Ensures highest level of security and privacy, leaves hackers out of the house.
Splash proof and easy to clean
LINK VIEW is splash proof (IPX4) and easy to clean, it's the ideal companion to enjoy music or to follow a tasty cooking recipe in the kitchen.
Chromecast built-in
Let you instantly stream your favorite music, radio, or podcasts from your mobile device to your speakers.
Wireless Bluetooth streaming
Wirelessly stream high-quality sound from your smartphone or tablet.
Legendary sound. Now in a Smart Display with the Google Assistant.
Get more than legendary sound. The integrated display included on JBL LINK VIEW allows you to get things done easily. It also has the Google Assistant built in, you can ask questions and tell it to do things. Just start with "Hey Google" to quickly enjoy your entertainment, stay connected with loved ones, view glanceable answers, manage daily tasks, and control your smart home. Your Assistant can help free up your hands and time, so you can focus on the things that matter most. Like watching videos of your favorite YouTube creators, reliving memories of your latest family vacation, making a video call to your best friend, receiving step-by-step baking instructions for delicious chocolate chip cookies, or dimming the lights for movie night. All this is delivered through a proprietary JBL transducer array, driven by a digital amplifier tuned to deliver full rich bass and crystal clear highs. This amazing combination of the Google Assistant, JBL Audio horsepower and HD display make JBL LINK VIEW a must have for your home or office. Google, Google Photos, Google Duo, YouTube and other related marks are trademarks of Google LLC.
General Specifications
Audio Specifications
Control and Connection Specifications
Powering Input
Spec Sheet (English)English 2 MB
- 1 x JBL LINK VIEW
- 1 x Power cable
- 1 x Quick start guide
- 1 x Warranty card
Documents & Downloads
The latest owner's manuals, quick start guides, and documents.
Search Result For ""


text:
The National Cancer Institute (NCI) does not endorse or recommend any commercial products, processes, or services. Therefore, mention of commercial products, processes, or services on the Team Science Toolkit cannot be construed as an endorsement or recommendation.
The Team Science Toolkit provides links to other Internet sites for informational purposes and the convenience of its users. When users select a link to an external Web site, they are leaving the Team Science Toolkit and are subject to the privacy and security policies of the owners/sponsors of the external site.
NCI does not endorse organizations that sponsor linked, external Web sites. In addition, NCI does not endorse products or services that such organizations may offer. Furthermore, NCI does not control or guarantee the currency, accuracy, relevance, or completeness of information found on linked, external Web sites.
NCI cannot authorize the use of copyrighted materials published on linked, external Web sites. Users must request authorization from the sponsors of those Web sites.
NCI is not responsible for transmissions users may receive from linked, external Web sites.
NCI does not guarantee that linked, external Web sites comply with Section 508 (Accessibility Requirements) of the Rehabilitation Act. (Read the Team Science Toolkit Accessibility Policy.)
Back to top
Where commenting is supported, we encourage you to share your thoughts as they relate to the topic being discussed. We review and post comments according to the policy below. We reserve the right not to post comments, or to remove comments, that are inconsistent with our policy, at our complete discretion.
The views expressed in comments reflect those of the author and do not necessarily reflect the official views of the National Cancer Institute, the National Institutes of Health, the U.S. Department of Health and Human Services, or the federal government.
Comments that include the following are prohibited:
In posting your comments to the Team Science Toolkit, you irrevocably grant NCI permission to copy, distribute, make derivatives, display or perform those comments publicly and free-of-charge.
Remember that your posts are public. When posting, please do not include information (e.g., social security numbers) in the text of your comment that personally identifies you in a way you do not intend. Additional guidance as to how NCI regards privacy issues can be found on our Privacy page.
We welcome your comments at any time. However, given the need to responsibly manage federal resources, reviewing and posting of comments will generally occur during regular business hours Monday through Friday. Comments submitted at other times will be reviewed and posted as soon as possible.
Thank you for taking the time to read this comment policy. We encourage your participation in our discussion and look forward to an active exchange of ideas.
This blog includes useful hypertext links or pointers to information created and maintained by other public and private organizations and individuals' blogs. This blog provides these links and pointers solely for our users' information and convenience.
When you select a link to an outside Web site, you are leaving this blog and are subject to the privacy and security policies of the owners/sponsors of the outside Web site. NCI and this blog do not control or guarantee the accuracy, relevance, timeliness, or completeness of information contained on a linked Web site.
NCI and this blog do not endorse the organizations sponsoring linked Web sites, and we do not endorse the views they express or the products/services they offer.
NCI and this blog do not guarantee that outside Web sites comply with Section 508 (Accessibility Requirements) of the Rehabilitation Act.
This blog's articles and posted comments do not necessarily reflect those of the National Cancer Institute, or of the federal government.
Narrow your search by
resource type or goal:
Team science experts write about current issues in the field.
Email this page


text:
Fajita and Margarita Cruise
Name: Fajita and Margarita Cruise
Date: October 20, 2020
Time: 6:15 PM - 8:30 PM CDT
Website: http://www.stcroixrivercruises.com
Event Description:
What a great way to break up the week! Fajitas & 2-for-1 Margaritas!
Chicken and Pork Carnitas
Onions and Peppers
Black Beans
Spanish Rice
Chips and Salsa
Pico de Gallo
Shredded Lettuce
Shredded Cheese
Sour Cream
Drink Special! 2 for 1 House Margaritas at the Bar-- $8.75
Full Bar Available
Cash Bar Only
*Gratuity not included


text:
'Walking Dead' comes back to life for 3rd season
It's crunch time.
"The Walking Dead" returns on AMC for a third season Sunday at 9 p.m. EDT. Millions of fans will be tuned in, ravenous for what awaits the zombie-beset mortals on the first of 16 episodes (eight now and eight more beginning next February).
To appraise the new season (with two episodes provided for review) or, for that matter, to explain the series' appeal is somewhat of a fool's mission: You either get "The Walking Dead" or you don't.
But let's consider its virtues anyway.
Like the "Walking Dead" crunch. It's a squishy crunch (or, no less lurid, a juicy thud) that greets the viewer's ear as each zombie is picked off by Sheriff Rick Grimes and his fellow refugees.
Whether it results from a knife's gash, a gunshot or a stick plunged through some zombie's eye, it's a satisfyingly decisive sound that, even without the gooshy image that accompanies it, signals yet another wasted so-called "walker." Just hearing it, the viewer knows to score one for the good guys.
Not that there's any winning this conflict. This, after all, is a zombie apocalypse. The zombies just keep coming!
And they come, when they come, with stubborn purposefulness - limping, shambling, grasping, snarling in pursuit of human flesh to feed on and humans to infect. The overriding message of "The Walking Dead" remains: There is no final escape for these humans, only temporary cover and piecemeal resistance.
Just ask Robert Kirkman, creator of the wildly popular comic book from which the TV series was adapted and one of its executive producers. His stated mission is to dramatize a hideous scourge and a shattered society, not to repair or even explain them. "Our show," he has stated, "is about a group of people dealing with the fallout."
So "The Walking Dead" is an anomaly among TV series, whose heroes and narratives are mostly aspirational. Not here. The only aspiration for the "Walking Dead" survivors is to survive another day. And that is never guaranteed, as shown by the series' demonstrated willingness to kill off some of its most popular characters.
In short, "The Walking Dead" may be the bleakest TV series ever aired.
Also one of the most leisurely. In the best tradition of suspense-building thrillers, "The Walking Dead" practices, then doubles down on, a meditative pace where tension builds while little is said and not much happens - that is, until it does.
On the season premiere, Rick (series star Andrew Lincoln) and his band (including co-stars Sarah Wayne Callies, Norman Reedus, Steven Yeun, Emily Kinney and Scott Wilson) are on the run from their previous refuge, a farm overtaken by zombies months before. Sample dialogue:
"We got no place left to go."
"What'd you say, about 150 head (of zombies)?"
"That was last week. Could be twice that by now."
"If this group joins with that one, they could spill out this way."
"So we're blocked."
Then they come upon a prison in the Georgia countryside. They plot to take it over from the zombies that infest it. It could prove to be a safe haven against further assaults.
But nothing is simple. Or quick. There's lots of anguished talk and furrowed brows. The episode even makes room for a plaintive lullaby sung over a crackling campfire.
Then, in a burst, plenty happens. There have been "Walking Dead" episodes that shortchanged the viewer with too few zombies on display. And there have been episodes with escalating dread but no dramatic release. This is not one of them. Count this episode - packed with a zombie skirmish, a terrible twist and a bonus complication - among the series' most unforgettable.
And looking ahead to next week's episode: Necessity proves to be the mother of invention. One of the survivors hits upon perhaps the most macabre problem-solving scheme since season one, when Rick smeared himself with hunks of zombie carcass to pass undetected through a zombie mob. Yuck.
Identifying with the plight of Rick and his fellow refugees is clearly a blast for the fans of "The Walking Dead," who last season averaged nearly 7 million weekly. "The Walking Dead" puts you with this tattered band as you imagine yourself under similar threat and joined in the struggle that may never end.
The zombies remain a threat not through craftiness or villainy (they, stripped of their humanity, are capable of neither), but instead due to their multitudes and plodding persistence. This season "The Walking Dead" continues to trade on a familiar nightmare: a frightening foe that stalks you in slow motion, yet still you can't evade.
It's a nightmare you typically handle by waking up. But only if you were asleep. If you're awake, the best way to deal is by savoring the blows to a zombie's head, each certified by a satisfying crunch.
EDITOR'S NOTE - Frazier Moore is a national television columnist for The Associated Press. He can be reached at fmoore(at)ap.org and at https://www.twitter.com/tvfrazier


text:
At its second public meeting on Aug. 6, the Federal Advisory Committee on Insurance (FACI), a sort of private-public armchair consultancy branch of the Federal Insurance Office (FIO) at the U.S.Treasury, signaled it was viewing U.S. insurance regulation through the wide-angle lens of internationalization, and also seeking input on shortcomings or the need for updating state insurance regulation.
FIO Director Michael McRaith also said the long-awaited modernization report could be expected "in the near future," according to those present.
A new FACI committee, formed under FACI Chairperson and Marsh McLennan CEO Brian Duperrealt, was specifically charged with possible changes to U.S. state insurance laws created by the implementation of an international body's work known as ComFrame.
The Comframe (or, more long-term, hot button international regulatory standards under development) Subcommittee, to be headed by New York State Insurance Superintendent Benjamin Lawsky would look at the potential impact of that work in relation to U.S. insurance laws, according to a FACI meeting review by Sue Stead, head of Nelson Levine de Luca & Hamilton 's regulatory practice.
ComFrame is the International Association of Insurance Supervisors (IAIS) "Common Framework for the Supervision of Internationally Active Insurance Groups." ComFrame will codifiy methods of operating group-wide supervision of Internationally Active Insurance Groups (IAIGs) in order to make group-wide supervision more effective and more reflective of actual business practice and establish a comprehensive framework for supervisors to address group-wide activities and risks and also set grounds for better supervisory cooperation.
ComFrame is a centerpiece of U.S./European Union insurance supervision dialogue, which, with Solvency II, has seen its share of U.S. state regulatory mistrust.
McRaith is a member of the IAIS executive committee. The subcommittee will also consider how "group supervision" is defined in ComFrame, and the effects of such changes on the U.S. industry.
In that vein, FIO had begun a U.S./EU dialogue.
At the recent FACI meeting, McRaith said the dialogue is progressing well. A draft document covering seven different topics will be released shortly and will address privacy, group supervision, reinsurance (including collateral requirements), financial reporting, peer review and the oversight of third parties, according to Nelson Levine. Hearings are expected to be held in both the U.S. and in Europe. McRaith reiterated that he hopeful that there would be a resolution on these topics by the end of the year. As Stead wrote, when asked by a FACI member whether the FIO would adopt the views of state insurance regulators with respect to ComFrame, McRaith said it would be "inappropriate" for him to say that.
Of course, not all regulators have the same opinion on ComFrame, but one FACI member, Pennsylvania State Insurance Department Commissioner Michael Consedine, has a department that has been outspoken on state versus international regulatory matters.
At this meeting, Tom Leonardi (the Connecticut Insurance commissioner, who participated in the meeting by phone) challenged McRaith with respect to ComFrame, asking whether the FIO would adopt the views of state insurance regulators with respect to ComFrame, according to a regulatory lawyer present. Consedine followed up, expressing his concern that the FIO and the states could end up diametrically opposed to one another on prudential supervision approaches, but McRaith did not back down, responding that he is "entirely confident" that will not happen and that the FIO and state insurance regulators have the same interest in a system that will be fair and protect the interests of consumers, this person stated.
"The one thing I like that the international people are doing is ORSA [Own Risk and Solvency Assessment]," Pennsylvania Deputy Insurance Commissioner Steve Johnson said last fall at the national NAIC meeting, after delivering a diatribe against international regulatory initiatives like ComFrame, a "400-page document" and other aspects of Solvency II. ORSA is a group supervision requirement of Solvency II.
When a committee member expressed his concern that the FIO and states could end up diametrically opposed to one another on prudential supervision approaches, McRaith responded that he is "entirely confident" that will not happen and that the FIO and state insurance regulators have the same interest in a system that will be fair and protect the interests of consumers, the Nelson Levine law firm summarized.
This new subcommittee is the third formed under FACI.
The first two subcommittees, Affordability and Accessibility and International Regulatory Balance, have already begun work on guiding principles, and were also given an international focus.
The latter subcommittee's purview is more obvious internationally, by name–it is charged with determining whether it was important for Europe and the U.S. to have compatible regulatory systems and determining what "compatible" would mean in this context and whether the U.S .regulatory system is equipped to regulate insurers doing business internationally and whether there are gaps in the U.S. system that put U.S. insurers at a disadvantage when doing business internationally, Stead wrote.
On the Affordability and Accessibility Subcommittee, the charge is also international– determining the impact of international regulatory developments on U.S. consumers. It also examines the role of state regulators by asking whether the role of U.S. regulators has kept pace with the U.S. market, whether producers have been affected by U.S. demographic changes and whether the regulation of producers domestically by the states has kept pace with any such changes, according to the law firm's write-up. It will also ask whether personal lines insurers have been affected by the changing demographics in the U.S.
McRaith said again, according to the Nelson Levine summary, that the coordination of the timing of the designation of insurers and groups as globally systemic important institutions by the IAIS and as systemically important financial institutions by the Financial Stability Oversight Council (FSOC) is a priority. This is seen as happening in the first quarter 2013.
Also, as expected, at the FACI meeting, McKinsey and Co. provided an analysis of the global property and casualty market and the global life insurance market. As McRaith has pointed out using similar data in the past, large U.S. carriers are deriving more of their income from overseas than they used to, as Nelson Levine summarized. McKinsey representatives stated that in the 1950s U.S. carriers derived about 5% of revenues from international markets. The analysis showed that the number increased to 39% in 2009.
McRaith cited in his May 17th testimony before the House Financial Services Subcommittee on Insurance, Housing and Community Opportunity a recent McKinsey study that showed that insurers, including U.S.-based insurers but not limited to them, are now generating almost 33% of premium volume from outside the insurers' home countries.


text:
Monday, June 30, 2008
June 28, 1990
Posted by Mom to 5...Daughter of the King at 7:46 PM 7 comments Links to this post
Labels: anniversary, Kevin
Sunday, June 22, 2008
Is there ever really enough sleep? The past couple of weeks I am just in a total haze. I am sure it has nothing to do with cutting caffeine, more specifically diet Pepsi out of my diet. I can take a nap any time, any where. Except, don't think you'll find me sleeping in a bed or at night!! Then I am awake. And because I don't let myself nap everyday (or should I say 5 little monkeys don't let me nap.) I can't really say it is because of napping that I am awake. Zzzzzzzz..........
Posted by Mom to 5...Daughter of the King at 2:25 PM 3 comments Links to this post
Labels: Church Family, sleep
Wednesday, June 18, 2008
I have 5 incredibly right brained children. As Kevin and I are also VERY right brained, it can make things really interesting around here.
Every summer I stock the kids up on the typical "summer things", you know, sidewalk chalk, bubble, jump ropes, sand in the sandbox, all of that kind of thing. But, my darling right brained monkeys make everything so much more work (for me!) than it has to be.
Sidewalk chalk. Can we just draw with it? NO! It must be ground up into a fine paste and then wet down. Once it is wet, one must walk in it and stick one's hands into it. Then said hands and feet must be used to leave footprints and hand prints anywhere they can reach. On the wall of the house, the brick wall, the patio, the driveway, all over the play set. And let me just say this concoction does not simply wash off of hands and feet. No, regardless of what is happening, it is bath time! This stuff stains skin and clothing!
Bubbles, how hard can that be? Well, after you blow enough bubbles to fool Mom into thinking you are going to use them correctly THIS time, you take a pretend bath in them! Rubbing it all over your arms and legs. Which is particularly wonderful on top of one monkey's eczema! It's even better if there is still sand in the sandbox! Then, you dump the rest all over the top of the picnic table in an attempt to wash off the sidewalk chalk residue. It doesn't work. THEN you can use the empty bubble containers to set up a bowling alley!!
Jump ropes are used to make webs on the play set. Or to tie stuffed animals to the play set. Or to use as leashes on said stuffed animal. We did have to take them away when they were using them to tie each other up AND to use as leashes on each other. Didn't think that was particularly safe.
So my backyard is just a hodge podge of toys that have been taken apart to play with in ways they were not designed. The soccer goal is used as musical instruments....the carnival like game that you throw velcro balls at is scattered after being used as who knows what. The kick ball has been used as a bowling ball.
Never a dull moment at the Jobe Abode.
Wondering if you are right or left brained? Check this out!
Posted by Mom to 5...Daughter of the King at 3:23 PM 6 comments Links to this post
Labels: bubbles, family life, playset, sandbox, sidewalk chalk
Tuesday, June 17, 2008
The Debate Continues
Me: See, Josiah, (pointing at the tv) Tweety thinks that girl bird is really pretty. So he's a boy because he likes girls!
Josiah: MOM!!! He's only pretending to be a boy!!
(I don't think I'll win this one....)
Posted by Mom to 5...Daughter of the King at 7:21 AM 2 comments Links to this post
Labels: conversations with Josiah, Tweety Bird
Thursday, June 12, 2008
In Case You Were Wondering
Super glue DOES stick to teeth.....don't ask how I know, because I can't blame the kids on this one........
Posted by Mom to 5...Daughter of the King at 10:06 AM 15 comments Links to this post
Labels: super glue, teeth
Friday, June 6, 2008
Keeping It In Perspective
Wednesday, I drove to Lima (2 hours north of Cincinnati) because my mom was have a heart catherization on Thursday. She's had a stress test come back showing limited blood flow to parts of her heart.
She was ushered into operating room hours before she was scheduled. That certainly cuts down greatly on the sit around and fret time! Less than an hour after she was gone into surgery we were meeting with the surgeon. Praise God!! Mom's heart is perfectly fine. She is having some spasms in the arteries; those are what are causing her pain. They are doing no damage. The only effect of them is the pain she's feeling. So they will control the spasms with medication.
She was doing so well, that I was sent home a day early. Not that I missed my babies or anything.
After a two hour drive, I turned on my street to see a car accident and my husband out in the street with his cell phone. I just assumed he was helping out. I opened the car door (because the window on his van, which I was driving) is not working. I asked if him if everything was okay. He said, "yea, we're both fine. " That is when it dawned on me that it was my van sitting wrecked on the street. At that point, all I could do was rejoice because no one was hurt. My mom's heart is fine and no one was hurt in the accident.
God is good, all the time!!
Posted by Mom to 5...Daughter of the King at 4:51 PM 6 comments Links to this post
Monday, June 2, 2008
Anyone else feeling like this????
Posted by Mom to 5...Daughter of the King at 6:34 PM 3 comments Links to this post
Labels: allergies