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The Blame Game
Oh, I'm so excited. Last Sunday I released the full version of my new Manifesto For Visual Fine Artists and already the questions are flying in from around the world.
And they are doing exactly what I was hoping: asking for clarification.
I knew when I wrote this that some things were self-evident to my brain, but could very well be more mysterious to another's.
And artist Leonore Alaniz pointed out for me exactly where…
she got confused. And it was right at the beginning!
I'll include the whole text, for context. And put the section, which Leonore asked for more clarification, in green.
[Note: If you haven't yet downloaded your copy of the manifesto, you can click here to get it!]
There are many reasons why fulfilling a career in the visual arts is the Mt. Olympus climb that it seems to be.
For one, we hold a tangle of ideas about the arts within our collective consciousness, within our art institutions (not-for-profit and for-profit, alike) and within our individual psyches about what it means to be an artist.
What all of these ideas share about the arts, and the artist, is their point of originwhere an idea rises out of playing the blame game or out the desire to awaken awareness.
There are, at least, two parts that need illumination.
1-What's The Blame Game?
All of us, individuals and organizations, have our own idea of what it means to be an artist. Some of these are old and worn out, like the idea of the "starving artist," or "crazy artist," or the "self-centered artist."
On the other side of the scale, there are ideas of artists as master creators, as magicians with mysterious abilities that are not accessible to "normal" people.
Because these ideas also live in the collective consciousness, they affect us at many levels.
When we are unaware of which ideas (aka beliefs) are operating within our consciousness, and therefore affecting the decisions and choices we make for our careers and ourselves, it becomes easy to "blame" the culture for failure to support visual artists at the level most artists would appreciate.
The blame game can be overt ("Can you believe how badly galleries treat artists who are just trying to make a living?"), or hidden behind reactive commentary ("I can paint better than so-and-so! How did he get in this show!)
The blame game is about reacting instead of responding. It's about abdicating the very real power that our thoughts, ideas, and spoken words have on not just ourselves, but the collective consciousness as well.
Essentially, the collective consciousness is individuals holding, and maintaining, thought patterns that are feeding into the larger collective.
You could think of each one of us as a tiny stream trickling into the river that eventually runs down into the ocean.
2-What's Awakened Awareness?
A healthy alternative to the blame game (conscious or not, intentional or not) is what I call "awakened awareness."
You'd think awareness already indicated a level of being awake. And it does.
Only, for me, simple awareness does not go far enough to affect the toxicity of the blame game.
(Remember, the blame game is on a continuum that most people don't recognize as "blame" until it gets to the extreme end. Discouragement, for example, is a reaction to blame that is arising at the low end of the blame game scale.)
Awakened awareness happens when there is an intentional choice to stay awake to where blaming is affecting your choices and decisions about your art and your career.
It's being awake enough to catch yourself in the act – no matter how subtle.
And if you are working within an arts organization, it's when you are brave enough to wake up those around you who are also caught in the blame game – often without realizing what they are really affecting by their mindset/attitude/reaction.
The Entire Manifesto Is Ready For You
My plan is to use this Sunday Series of Blog Posts to tease out sections of the manifesto and illuminate, ruminate, and expand, but I can't do this alone.
I need my intrepid artists, the ones who find a resonance with exploring how we can all step so fully into our own creative flow that the collective consciousness of humanity also wakes up and steps into its collective creative flow.
If you would like a copy of the entire Manifesto For Visual Fine Artists, click here.
I want to hear … no, I need to hear about the principles you believe will take you closer and closer to the visionary summit of the truth and power in your art.
So, please… Tell me….
The Next Step
I have been coaching visual artists on their career path to Visionary Affluence since 2004.
That's the ten-year minimum it takes to master any skill—not to say I've actually mastered anything. Just letting you know I have logged the 10,000 hours it takes to run fast enough, flap your wings hard enough, and leap high enough to discover whether or not you can fly.
And what I can tell you is how remarkable the view is from 10,000 hours above the creative landscape. I can spot enclaves of my artists as they sit 'round mythical campfires at different levels of the Mt. Olympus climb to their dreams.
Leaning into the smell of a wood fire, these artists – intrepid visionaries every one – share their experiences with each other. A hawk cries out and circles overhead as the mountain range frames a bold streak of sunset sky deepening to blood red.
I invite you to join your fellow artists, and me, under the emerging stars of your own visions, where the expansive beauty of the horizon calls out, the fire is warm, and the truth of your heart is irresistible!
Your Truth – Your Power – Your Art
Click here to join my list as we travel together on our mutual Paths Of Visionary Affluence.
And I'll keep you posted on the exciting new events, webinars, trainings, books, and successful artist interviews I'm mapping out as we climb this dream summit together.
Written by Ariane Goodwin, Ed.D.
Posted under Ariane of smARTist, Sunday Series
Tags: smARTist, Ariane Goodwin, Manifesto for artists, Blame Game, Sunday Series
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A line of children's nightlights that can pose an electrical shock hazard are among this week's recalled consumer products. Others include faulty table saws and women's sandals.
A line of children's nightlights that can pose an electrical shock hazard are among this week's recalled consumer products. Others include faulty table saws and women's sandals.
Here's a more detailed look:
DETAILS: All PATRULL Nightlights sold at Ikea from August 2013 to July 2015. Each PATRULL Nightlight has an IKEA logo on the back top near the sensor. The light has a dome-shaped plastic cover that gives the light its color and is attached to a white rectangular plastic base.
WHY: The nightlight's plastic covering can detach and expose electrical components, posing an electrical shock hazard.
INCIDENTS: One report from Austria where a young child tried to remove the light from the electrical outlet when the colored plastic cover detached. The child received an electric shock and minor wounds on the hand. No incidents have been reported within the US.
HOW MANY: About 359,000 U.S. and 83,000 in Canada.
FOR MORE: Call IKEA at 888-966-4532 anytime or visit at www.ikea-usa.com and click on Press Room at the bottom of the page then Product Recalls at the top of the page for more information.
DETAILS: A six-piece outdoor patio set containing four folding chairs, a table and an umbrella sold at Rite Aid stores nationwide from January 2015 to July 2015. The brown metal-frame chairs have a red canvas seat and back, and measure 21 � inches tall by 25 � inches wide. The umbrellas are 80 inches tall have a coordinated red with stripes canvas top. The square table also has a metal frame and a hard-plastic clear top. UPC number 011822350303 and item number 9034923 are printed on the packaging of the patio set.
WHY: The chair arms and legs can bend and cause the user to fall, posing a risk of injury.
INCIDENTS: Four reports of chairs bending unexpectedly, including four reports of injuries to the lower back and hip.
HOW MANY: About 13,000
FOR MORE: Call Rite Aid at 800-748-3243 from 8 a.m. to 8 p.m. ET Monday through Friday, 9:30 a.m. to 6 p.m. Saturday, or visit www.riteaid.com and click on "Product Recalls" at the bottom of the page under Customer Care for more information.
DETAILS: Stars Mix n'Match Chairs sold at Copenhagen Imports stores in Arizona and Texas from May 2013 to June 2015. The chair seat and back is either black or white molded plastic with a cushion seat. The seat cushion is the same color as the plastic chair. The four chair legs are wood and set in a pyramid style.
WHY: The chair legs can break, posing a fall hazard for anyone sitting in the chair at the time.
INCIDENTS: Two reports of chair legs breaking and one reported injury.
HOW MANY: About 530.
FOR MORE: Call Tvilum Customer Support at 800-932-2006, extension 106, Monday through Friday 7 a.m. to 4 p.m. CT, send email to firstname.lastname@example.com,call Copenhagen Imports at 602-266-8060 Monday through Saturday 9 a.m. to 6 p.m. PT or visit www.copenhagenliving.com/ and click on "Contact Us" for more information or to find a Copenhagen store near you.
DETAILS: This recall to replace involves bottle caps for Temodar and Temozolomide (generic) capsules, an oral chemotherapy drug. The capsules were distributed in 5- and 14-count brown glass bottles that have white plastic child-resistant caps. A white label affixed to the bottle has the word "Temozolomide" printed in black lettering. Clinics and pharmacies nationwide as a prescribed medicine from July 2013 to August 2015. The container was included in the cost of the medication which is based on quantities prescribed, health insurance terms and other factors.
WHY: The bottle cap can be cracked which can cause the child-resistant closure to become ineffective to young children who can gain unintended access to the capsules, posing a risk of poisoning.
INCIDENTS: None reported.
HOW MANY: About 276,000.
FOR MORE: Call Merck Information Center at 800-943-8069 from 8 a.m. to 8 p.m. ET Monday through Friday, or visit www.merck.com and click on "Important Temodar Information" for more information.
DETAILS: Grizzly 10-inch hybrid table saws with model number G0771 and serial number between TS2014060001 and TS2014111244 or a date code between 06/2014 and 11/2014. The Grizzly logo, "G0771," the serial number and the date code are printed on the side of the table saw's enclosed white metal base. Grizzly.com is printed on a green band on the bottom of the base. They were sold at Grizzly's showrooms, online at www.grizzly.com, in Grizzly's catalogs and in woodworking trade magazines from January 2015 through May 2015.
WHY: The motor pulley can come loose and hit the table saw blade, causing the blade teeth to break into flying metal fragments, posing a risk of laceration or impact injury to consumers.
INCIDENTS: Two reports of incidents with the table saws, including one report of a 46 year-old man who suffered a broken nose and lacerations when he was hit by flying pieces of the table saw.
HOW MANY: About 1,240.
FOR MORE: Call Grizzly at 800-523-4777 any time, send email to email@example.com or visit www.grizzly.com and click on Customer Service at the bottom of the page, then Product Support and then Recent Recalls for more information.
DETAILS: All Madewell Sightseer sandals from the spring 2015 collection sold at Madewell stores, online at madewell.com, online at shopbop.com from February 2015 to July 2015. The style number is located on the sticker outside. Sandals with the following 10 style numbers and names in all sizes are being recalled: C0275 Sightseer Knotted Slide Sandal, C0276 Sightseer T-Strap Thong Sandal in Black Leather, C0277 Sightseer T-Strap Thong Sandal in Metallic Colorblock, C0278 Sightseer Buckle Gladiator Sandal, C0279 Sightseer Slide Sandal, C1105 Sightseer Crisscross Sandal, C5893 Sightseer T-Strap Toe-Loop Sandal, C5895 Sightseer Ankle-Wrap Sandal in Shiny Silver, C5897 Sightseer Lace-Up Sandal, C6090 Sightseer Ankle-Wrap Sandal in Metallic Sand.
WHY: The metal shank can dislodge and break through bottom of the outsole, posing a fall hazard.
INCIDENTS: Eight reports of metal shanks dislodging and breaking through the bottom of the outsole. No injuries have been reported.
HOW MANY: About 50,600 in the U.S. and 300 in Canada.
FOR MORE: Call Madewell Inc. at 866-544-1937 anytime, send email to email@example.com or visit www.madewell.com and click on Important Notice for more information.

subset: commoncrawl


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My copy of Feynman's "Six Not-So-Easy Pieces" has an interesting introduction by Roger Penrose. In that introduction (copyright 1997 according to the copyright page), Penrose complains that Feynman's "simplified account of the Einstein field equation of general relativity did need a qualification that he did not quite give." Feynman's intuitive discussion rests on relating the "radius excess" of a sphere to a constant times the enclosed gravitational mass $M$: for a sphere of measured radius $r_{\mathrm{meas}}$ and surface area $A$ enclosing matter with average mass density $\rho$ smoothly distributed throughout the sphere, $$\sqrt{\frac{A}{4π}}−r_{\mathrm{meas}}=\frac{G}{3c^2}\cdot M,$$ wherein $G$ is Newton's gravitational constant, $c$ is the speed of light in vacuum, and $M=4π\rho r^3/3$. I don't know what $r$ is supposed to be, but it's presumably $\sqrt{\frac{A}{4\pi}}$. Feynman gratifyingly points out that $\frac{G}{3c^2}\approx 2.5\times 10^{−28}$ meters per kilogram (for Earth, this corresponds to a radius excess of about $1.5$ mm). Feynman is also careful to point out that this is a statement about average curvature.
Penrose's criticism is: "the 'active' mass which is the source of gravity is not simply the same as the energy (according to Einstein's $E=mc^2$); instead, this source is the energy plus the sum of the pressures". Damned if I know what that means -- whose pressure on what?
So, taking into account Penrose's criticism but maintaining Feynman's intuitive style, what is the active mass $M$?


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Best Practices in Truckload Sourcing
Posted by JAGGAER Staff in Uncategorized on July 24, 2014
The strategy behind moving raw materials and finished goods from one place to another has been one of the challenges faced by suppliers, manufacturers and retailers since the dawn of commerce. Most consumers take for granted that the items they want to purchase will just be waiting at the locations they want to go to buy them – but the process of getting those items there can be extremely complicated. Long gone are the days when supply chain organizations simply offloaded full responsibility for shipping their wares to their in-house drivers and fleet of company-owned trucks and assumed that their goods were being moved as efficiently and effectively as possible.
Instead, the strategic sourcing of logistics has emerged as a competitive differentiator, with shippers more invested than ever in ensuring that their goods are transported with maximum efficiency. The best performing organizations have hundreds of variables to worry about, ranging from assessing carrier capabilities and carbon footprints to available transport capacity, lead times and route optimization. Strategic sourcing has become Advanced Sourcing, as organizations have expanded their thought processes to include questions such as:
- How will we define our shipping lanes, and what level of information is important to carriers?
- What bidding tactics should we employ, and what are the types of carriers (and proposals) we want to attract to participate in our sourcing project?
- What level of information is important to our business, and how will we evaluate this information?
Here at JAGGAER, we work with customers daily to address these challenges. In fact, our Advanced Sourcing Optimizer solution is used for 600+ transportation sourcing events per year, helping customers manage more than $15 billion in annual transportation spend. JAGGAER enables customers to gain a complete understanding of the impact that sourcing decisions have across the entire business.
I recently participated in a webinar with our friends at SupplyChainBrain where I was joined by folks from Big Heart Pet Brands and Transplace where we discussed some of the best practices for truckload sourcing and strategies that can lead to more successful sourcing events. If the questions above are being asked within your organization, I'd encourage you to check it out here.
What are you doing to ensure your organization is sourcing the right transportation events? What best practices can you share? Join the conversation on Twitter at @JAGGAER.
[Image: David Guo via Flickr]


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About The Artist Prices & Ordering Art for Sale Creating Your portrait Photographic Tips Testimonials Wit & Wisdom Contact Links
"Animals are such agreeable friends – they ask no questions, they pass no criticisms." George Eliot
An original hand painted pet portrait is such a wonderful reminder of the good times we have shared with
our pets - our devoted and "faithful friends" - and as a work of fine art is a very special keepsake to
treasure now, and in the future, when sadly our pets may no longer be with us.
If you have been searching for the perfect gift for the animal lover in your life, then allow me to create your
own unique and personalised portrait, capturing the character and true likeness of a much loved pet. As
a pet portrait and animal artist I specialise in realistic and highly detailed pet art, in particular dog
portraits, cat portraits, horse portraits and miniature portraits, as well as paintings of small pets,
birds, animal and wildlife art, from photographs.
Please browse through the regularly updated galleries above, displaying a large range of commissioned
pet portraits and animal art, and the links below to find out how to order your portrait. You may also
care to visit my Art for Sale page, where you will find a selection of original artwork for sale
(including some of my wildlife paintings and botanical illustrations), fine art giclee prints,
and small gift items. Personalised gift vouchers are also available.
Please feel free to e-mail or call me on 01235 529895 for a friendly, no obligation chat to discuss your
portrait requirements. You are also very welcome to arrange a visit to view my artwork and any
current pet art and animal paintings I may be working on.
Thank you for taking the time to visit. I look forward to hearing from you.
About The Artist Prices & Ordering Art for Sale Creating Your portrait Photographic Tips Testimonials Wit & Wisdom Contact Links
Dog Gallery I Dog Gallery II Cat Gallery Horse Gallery Other Animals Miniatures I Miniatures II Before & After Examples
Dogs - Puppies
Pet Forums
Nicky Jones - Animal Artist / Wildlife Artist / Botanical Artist
Covering a wide range of subjects including Animal Art, Pet Portraiture, Pet Art, Animal Portraits, Animal Paintings, Wildlife Paintings, Wildlife Art, Nature Art,
Bird Art, Miniature Art, Botanical Art, Floral Paintings
© Copyright Nicky Jones, Pet Portrait and Animal Artist 1996-2013. All artwork on this site is protected by copyright law
and may not be copied, downloaded or used without permission from the artist. All rights reserved worldwide.
57 Selwyn Crescent, Radley, Oxon, UK Tel (01235) 529895


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Gemma Louise Doyle is a unique international singer , entertainer and recording artist and on the 13th July she is coming to Leycester House! We are delighted to welcome such a talented young lady to our home. Come along and be dazzled by Gemma's 4 octave singing voice whilst taking a journey throughout the decades and genres.
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Travelodge Maidstone Central Hotel sleeping up to 0 guests
About this Hotel
The Travelodge Maidstone Central Hotel is an excellent base for both leisure guests exploring Kent or business travellers. Three train stations are set within easy reach and the hotel is also set a short drive from junctions six or seven of the M20 motorway. Guests can enjoy use of a great range of facilities including free parking at the adjacent St Peters Street retail park, a bar/ cafe, Wi-Fi service and guests can arrange an early check in or late check out for their stay at an additional charge.
Families are welcome and we can accommodate two adults and two children under 16 years old in our family rooms. A cot can be provided on request and these rooms can also be configured to sleep three adults if required. We also have a group booking team which can be contacted via our website if you wish to reserve multiple guest rooms. Two domestic pets are accepted per booking at an additional charge of £20 each per stay. Disabled access rooms are available for our less mobile guests.
More about staying here
Meal deals for breakfast and dinner can be pre-purchased online for your stay and we also have a range of Wi-Fi packages ranging from 24 hours to one month. Thirty minutes of free internet access is also provided.
Disabled Facilities
Group Holidays
Pet Friendly


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Newcastle, Swansea and Brighton are set to battle it out for the signature of Chelsea youngster Tammy Abraham in the coming weeks, report the Argus and the Northern Echo.
After a stellar year with Bristol City in the Championship last season, Abraham has caught the eye of more than a few Premier League clubs, including Swansea and newly-promoted Newcastle and Brighton, say The Argus and The Northern Echo.
Chelsea are keen to keep hold of the youngster, who scored 23 goals with Bristol and picked up their Player of the Year and Young Player of the Year awards. However, Chelsea do intend to send him on-loan to another Premier League club, in order for him to gain top-level experience.
Speaking with the Argus, Brighton chief executive Paul Barber confirmed that the Seagulls are interested in bringing the striker in.
"It is no secret, he is a player of interest to us," he said. "There is a lot of competition for Tammy. He is a terrific talent and a fine young player."
Also interested are Swansea and Newcastle, according to the Northern Echo. The Swans are have registered their interest with Chelsea, but face a battle with Rafa Benitez's Newcastle.
Abraham is currently with the England Under-21 squad in the Czech Republic for the European Under-21 Championships and has stated that he is shelving talks of his future, per the Daily Mail, until the end of the competition, which begins today.
"I haven't spoken with Chelsea yet," said Abraham. "I am focusing on this tournament, so the discussions will happen after. I'm not too sure (about where he will be playing next season) – hopefully it will be in the Premier League."
"After this season I need to take myself to the next level. That's the type of person I am – I always want to do better, I always want to do more. So going into the new season, my aim will be to top this one."


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Akram Vignan is a practically applied spiritual science and is a 'shortcut' path to liberation.READ more
|31 October
|31 October
"May the world attain Ultimate Peace and may some attain Liberation"Read More
Located 20 kms from Ahmedabad, Simandhar City is a place for spiritual progress. It is known as "A Clean City, Green City & Pure City!!!"Read More
A unique non-sectarian Temple inspired by Akram Vignani, Param Pujya Dada Bhagwan.
The intellect creates a storm and spoils everything. What is intellect? It is that which seeks justice.When someone does not pay for the goods you sold him, your intellect will nag you repeatedly. Why does he not pay, when he has already received the goods? This 'why not' is the function of the intellect. When injustice is committed (according to the view of the world), it is in fact justice. You should still attempt to collect what is owed to you. Just calmly tell the person that you need the money because you are in difficulty. There is no need to become hostile and make demands such as, "I'll see to it that you pay up", otherwise you will have to look for a lawyer and all your time will be wasted in courts instead of coming here to satsang. If you say 'whatever happens is justice', the intellect will go away.
You should have a firm conviction that whatever happens is justice. This firm conviction will keep you sane and you will not feel angry and antagonistic towards the other person, nor will you become frustrated. However, having said this, in the worldly life, you should still attempt to collect your money. When you go to collect your money, you should play your role to the fullest, as if you are in a play. You should tell your debtor pleasantly that you had come by several times but unfortunately you were not able to meet him, and that now perhaps because of yours or his punya you both are able to meet. Tell him that at the moment you are in some financial difficulties and that you need the money and if he is not able to pay you, that he should arrange to have someone else give you the money. Speak in such an appealing way that you can get your work done. People have egos, so if you lift their ego gently, they will do anything for you. You should not get into a conflict or feel any attachment or aversion in this matter. Even if you fail to collect your money, after a hundred trips to your debtor, remind yourself that it is of no consequence and that whatever has happened is justice. After all, you are not the only person who has to collect his money.
1) There are worldly judges everywhere in this world, but there is only one judge of karma (deeds), the 'fault is of the sufferer'! This is the only justice, on which the whole world is running, and the worldly life continues to stand on the illusory justice.
2) Not for even a moment does nature prevail outside of justice. If it were to ever prevail outside of justice, then nature cannot be called as nature.
Book Name : Whatever has happened is Justice(Page #17 paragraph #4 and Page #19 Paragraph #1,#2)


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Support migrant centric journalism today and donate
The Home Office has not ruled out an amnesty for illegal immigrants, despite previously denying one would go ahead.
Home Office minister Liam Byrne said it is too early to tell whether he will allow the controversial move, adding he wants more information before he makes a decision.
Estimates put the number of people living in Britain without permission at about 500,000.
Labour has been considering the idea for at least three years. Former Home Secretary David Blunkett said it was mooted when he was heading the department.
And Jack Dromey, deputy general secretary of the Transport and General Workers Union, welcomed the possibility of an amnesty.
He said: "The time has come for the Government to be brave, distinguishing between deporting the few who commit serious crimes and allowing the many undocumented migrant workers to remain."
He said: "They are good men and women, essential to our economy and pillars of their local churches and communities."


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Jeremy D. Johnson is back for a Deep Dive into "Vanishing Point" the penultimate episode of Season 2.
This one was pretty grim, considering all the murders, madness, and suicides… no surprise that "Vanishing Point" is a "William" episode. As we've been discussing all season long, William is a Lucifer archetype, attempting to bring awakening to the hosts through chaos, death, destruction and an over active sense of ego that invariably creates such nightmare crises in anyone's life. It's just that much worse when it is the life of an Archon determined to bend the world (his world, the hosts world… any world) to his will.
William corrects a common misquoting of Plutarch : "When Alexander was told there were infinite worlds, he wept. For he had yet to become the lord of even one." Hmmm… There's an Archon with control on his mind, and an Archon about to lose control OF his mind. When one walks this path, this kind of thing happens a lot.
Also in this episode… Did you hear Ford actually say the word "Timshel" this week? Just remember which of the millions of Westworld Podcasts dives deep enough to call that one out 6 episodes early (we detailed the concept of "Timshel" in Steinbeck's "East of Eden" way back in Episode 3.) "This is a ladder to the stars."
Podcast: Play in new window | Download | Embed
Subscribe: Android | Email | Google Podcasts | RSS | More


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I love your site and I am very inspired. Love this post. I totally agree with this "It's important that your core radiates your inner strength and personal goals"
Who are You Living For?
Boss lady, mother, friend, sister, wife, girlfriend, singer, writer, and artist are just a few of the hats we rock on a day-to-day basis. The more "seasoned" we become, the more titles we accumulate in life's beautiful journey. With these responsibilities comes time invested, love given, and priceless memories that stem from the different titles we hold. No matter how precious and significant the roles we play are, we can't allow one or two of them to define our entire being. Doing so leaves us with little energy or power to focus on who we are or where we'd like to be in the future.
As women, being nurturers comes natural to us. We always want to make sure we're lending a helping hand, making sure that everyone around us is taken care of and even putting our personal joy on the back burner for others at times. As beautiful as the trait to be everything to everybody is, we have to remind ourselves of the life we want to live.
Yes, the combination of roles we play create who we are but it's important to always make sure you're living for yourself as well. Don't give so much of yourself away that you have nothing left. You can only be an excellent mother, sister, or friend if you truly love and are happy with you. It's important that your core radiates your inner strength and personal goals. It's easy to get lost in life's hustle and bustle, labels, and statuses so make sure you do not forget who you are underneath it all.
So, I'll ask you again. Who are YOU living for?
Miracles & Blessings,
Ellisa Oyewo
5 Comments
I needed to read this at this very moment. Between full-time work, blogging, freelancing and friends it often feels that there is nothing left for me. It's so true that we are natural nurturers, but we have to remember to nurture ourselves first. #note to self.
Thanks for this post.
Great post. I always try to live for me and my family. You must put yourself first, otherwise you will be no good (spiritually and mentally) at helping those around you that you love and cherish.
Great Post! I am new to this site but believe I am going to be a long time fan!! So far this site is just what I need for encouragement, inspiration, and creativity. Fabulous!
This is a great article! I know I'm on the right path to promoting the growth of feminine power! And personally in entrepreneurship.


text: Well its been a while since I have checked in. sum up the last few months of activity would be short overniters. No real off road stuff but I did take a diversion thru the mud to tuk cha in kampong cham provice to check out some old temples. ref your gecko map and the small band that connects the six and seven just east of skun. this road is paved between both highways. turning east at the canal took us down the mud path. Most of the recent riding has been geared to the wet season. the routes to siem reap, battambang, kampong cham, neak luong north thru prey veng, kampong som, kampot route three and the south route thru kampong trach are all paved. took a few trips to kampot and kep just to escape the city and eat crab on the coast. fortunately the weather was with me 90 percent of the time and the raingear remained in the suitcase. made an attempt to take the 51 to kampot last week. picked up the dirt road off the 4 (to kampong som) and went south. we made it approximatey 1/3rd of the way before we crossed a big puddle only to be dissappointed by a larger uncrossable river. this can be done during dryer times but this season has brought a substantial amount of water. we went north until we could divert over to the 3 south then took the paved diversion to kampong trach and kep. less traveled and far fewer vehicles. took the next day and went up Bokor mountain. the road is still in relatively decent condition (for 250 cc dirt bikes) with big rocks and pitted asphalt. took about an hour up the mountain with passenger and about the same coming down. Lucked out with patchy clouds and blue skies and only a little rain once back at sea level on the way back to kampot. Riding season should be pretty good this year with a little less sand and a little more greenery.


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The honors course was once a vital part of American high schools, respected by all. That is changing fast, and many students and their parents are upset about it.
School districts are replacing honors studies with more strenuous, college-level Advanced Placement, International Baccalaureate or Cambridge courses. Ambitious students who have already signed up for several of these demanding courses and hope to take the less terrifying honors option in some subjects find they must choose between other AP courses or rudimentary regular courses. Their parents are filling PTA e-mail lists with complaints. The situation is tough, but are honors courses really worth saving?
Some suburban Washington counties have decreed that if they provide a college-level course in, say, U.S. history, the less-challenging honors version is not necessary, leaving as the only alternative the regular course - seen by many as a refuge for slackers and malcontents.
One parent told me that when her son - with a full load of science and math AP courses - was stuck taking the regular U.S. history course, he was bored. It "was so easy that he did his calculus homework in class," she said.
Many parents and students tell similar stories, a reflection of the class divide - as in middle class vs. working class - that has been a staple of American high school culture since getting a diploma became everybody's goal. This has inspired cinematic portrayals of tumultuous teenage intercaste romances such as the John Hughes-written Pretty in Pink. Some parents still fear that if their college-bound kids mix with students from the lower social strata, they risk being robbed of their lunch money or developing an unhealthy interest in auto mechanics as a career option.
In the hands of determined and talented teachers, honors classes can be as challenging as AP courses. But I've often found courses with the honors label deteriorating into little more than free periods for middle-class students.
There is a solution, and it starts with the remarkable work of Jack Esformes, a government teacher who retired in 1999 from T.C. Williams High School in Alexandria, Va. The Esformes approach would not only save the honors course but help U.S. high schools break out of a record slump in which no significant average reading or math gains have been achieved in more than 30 years.
Esformes did not believe in the separation of regular and AP students. He tossed both into his government classes. Each of his five 28-student sections each year had seven AP students, who were delighted to be taught by someone with such a great AP track record, and 21 frequently resentful regular students, many from low-income families, who were taking government only because Virginia would not let them graduate without it.
In 25 years of hanging around high schools, I have never seen another teacher do this. Mixing regular and AP students is generally thought to make no more sense than recruiting Latin club members for the ice hockey team. But Esformes made it work. He broke each class into small groups of AP and regular students. Together, they analyzed intriguing constitutional cases, such as what the mayor of a small town should do if the Ku Klux Klan asked to march in the town's Fourth of July parade. The AP students got more homework than the regular students got, but in class the AP kids soon realized the regular kids were full of insights derived from their different backgrounds, and the regular kids saw that the AP kids were not any smarter but just worked harder. Some of the regulars switched to AP. Esformes' room hummed with intense discussions of freedom of assembly, the filibuster and reserved powers.
Esformes insisted he was not a genius. He just did not believe in segregating students by class or race. So my question to those schools cutting honors courses is: Why not cut the regular courses instead? Esformes' regular students were getting, in effect, an honors-class education and liking it.
Slap that honors class sticker on any course that is the alternative to AP, IB or Cambridge. The book-smart kids can keep honors classes. The street-smart kids will be likely to be motivated by trading ideas with the class brains and getting much better teaching. More motivated students mean fewer discipline problems.
There are more than enough talented honors class teachers to bring this off. Assume, as Esformes did, that students from every part of the demographic curve have the intellectual ability to handle a challenging and vibrant class, and maybe our high schools will finally rise out of their long slumber and show us what every kid can do.


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He shows up in episode 8 the mid season finale but I dont know after that maybe he gets Zombified and thats it.
If you check IMDB just look at the coming episodes if the name is in the cast then the person is in it.
[blockquote][b]Elian said:[/b]
Tyrel's big brother Tyler was on The Walking Dead last Sunday wonder if he will be back or just that episode??


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" Each and every participant was involved in activities , all doubts were addressed and cleared. I will be able to follow the directions given and implement CCE"- Geetha Kartha, Bhavans Public School, Doha , Qatar, UAE.
" The group work, the content of the presentation and the facilitator Mrs Shyammashree was very interactive"- Sangeetha- Jnanodaya School , Bangalore.
" The session was very much effective and well communicated. Overall the training given was excellent. I would like to implement more group discussions and making the class student centered"-Ms Glory Benya, Delhi Public School, Damanjodi , Orrisa .
" I like the group configuration and Instructional Aids discussed. I would like to implement the group roles and objectives of teaching Science at Primary level in my classroom"- Reeshma Valsaraj, Sharjah Indian School, Sharjah , UAE.
" Concepts and Classroom Management were well explained. Teachers will be able to improve various skills through this session"- A Sridevi, Suprabath School, Hyderabad.
" I liked the way the instructor delivered the presentation. It will undoubtedly help every teacher while taking he class. I learnt how to conduct formative assessments more effectively with the techniques suggested by the facilitator. Students time will not be wasted instead it can be used for improving creativity. Expecting such sessions in future too"- Murali C.V, St Thomas Residential School , Byndoor, Karnataka.
" Very effective , Good Classroom Management tips. I would like to implement the group activities and Assessment techniques"- Nisha Saidu, Sharjah Indian School, Sharjah , UAE.
"From the sessions I could understand more about CCE, especially the importance of student centered approach and the different tools of assessment and how to make questions according to ability of students and how to improve learning of slow learners".- Siji Maria , St Thomas Residential School, Byndoor, Karnataka
" The session was helpful for our classroom teaching"-Swarnalatha .K.C, Sharjah Indian School, Sharjah , UAE.
" Classroom real application strategies discussed was useful . I will implement in my class and will encourage slow learners" – Mr Syam Raju, Lotus School , Talepaligudeum, Andhra Pradesh.
" Very informative class. I could clear the doubts"- Shabiha, Sharjah Indian School, Sahrjah , UAE.
" Really enlightened our minds with good ideas. Could enjoy two days session with full of pep " – Roopesh , Bhavans Public School, Doha , Qatar, UAE.
" I learnt how to handle noisy classroom , frame ground rules, use different techniques of Classroom management effectively"-Aparisima Samal, Delhi Public School, Damanjodi , Orrisa .
"Lot of information gathered in the session about Continuous Comprehensive Evaluation and innovative ideas to conduct varied activities in the class. I will be able to implement life skills activities in my class" –Anju Kuuatada , CMR international School , Hyderabad , Telangana State.
" I liked the group configuration ,and framing of ground rules for effective classroom management. Noise management techniques and time management concepts taken up was effective" – Saritha V, Chinmaya Vidyalaya , Pallavur , Palakad , Kerala.
"The session was really interactive that each and ever participant was able to participate. I will be able to implement Classroom procedures and routines and non verbal communication for better classroom management"– V Sowmya, Chinmaya Vidayalaya, Tatmangalam, Palakkad , Kerala.
" Highly interactive and learnt a number of practical tips. I would be able to implement Ground rules, classroom procedures , group roles, discipline plan for better classroom management"- Mangala Shankar , Principal , Chinmaya Vidayalaya Tattamangalam, Palakad , Kerala.
" Presentation –lovable , approach of the facilitator. I would like to implement all the new methods I got form this class" – Sinimol Sebastain , Azeeziya English Medium School, Kasargode, Kerala.
" Interactive , Informative , Interesting , Communicative session. I would like to try the activities mentioned in the session and try and solve the behavioral issues through the points discussed in the workshop".- Anitha Potay, Pallavi Model School, Alwal , Hyderabad.
" Very active and interesting session. Got a more clear idea about life skills. I will be able to implement more activities in my class to develop life skills to make students good human beings"- Saji Uthaman , Bhavans Public School, Doha , Qatar, UAE.
"I liked the two day session on CCE and Classroom management because it gave me ideas to become a successful and creative teacher. The session also gave an understanding on how to make CCE effective and conduct group activities effectively"-Jayashree- St Thomas Residential School, Byndoor, Karnataka.
" We got the idea of making instructional objectives , Instructional aids & formative assessment techniques"- Binitha & Sruthi, Sharjah Indian School, Sharjah , UAE.
" The session was very interesting with lots of creativeness and activities. I liked the student centric learning methods discussed. I would like to implement Instructional aids & Mind Maps- Indulekha Arul, Sharjah Indian School, Sharjah , UAE.
"I liked the group activities and presentations. I learnt how to deal with behavioral problems, encourage and reinforce positive behavior of the children in the classroom"- Pallabi Mohapatra, Delhi Public School, Damanjodi , Orrisa .
" Some new ideas of making teaching easy and enjoyable. Training session was very influencing and inspiring. Formative assessments was clarified. Group activities in different ways, techniques were enhanced"- Rina Bhowmik, Delhi Public School, Damanjodi , Orrisa .
"I learnt techniques for better classromm discipline and dealing with students behavioral problems. I would like to use negative re-inforcemnts to correct students behavior and setting ground rules for the class." – Sujata Pani, Delhi Public School, Orissa.


text: How to Get Free Electricity? Know all the Possible Ways to Generate Electricity. Today we're going to learn how to make Free energy at home. There are many ways to create your own energy. All those will be discussed here. Many of us ask : Is Free energy real? Yes, it's real and here we'll tell you about one of the cheapest Free energy source. So that you'd learn how to save on your electric bill. Now, no more questions how to save on your electric bill because we'll tell you all the possible way...Read More >>


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In this article we show you the step by step process of making a simple but effective survival bow out of a sapling or a small branch, and a little cordage.
A DIY survival bow is a weapon that is incredibly effective and easy to make. You can make one with only found materials in just a few hours.
In addition, bows are silent and can be accurate up to about 50 yards. With a little practice, your hunting and self-defense needs are covered.
In a perfect world you would want your wood to dry out and season for about a year before making your bow. However, you can still make a good bow without this step. It may not be quite as powerful or durable, but it will get the job done.
In this article we will walk you through how to make a survival bow and get you shooting as quickly as possible.
Choosing Your Wood
The wood you choose when building a bow is very important. It has to be strong enough to endure the constant abuse that bows take, but it also has to flex without breaking.
The best wood for a bow is osage orange, but black locust, yew, ash, or hickory all will work well.
If none of these are available, you can get by with more common woods like oak, maple, or beech.
The wood you choose should be a sapling or branch that is fairly straight. It should have no knots, branches, or twists in the wood.
The ideal size is about five feet long and about two inches in diameter.
Cut your branch carefully being sure not to cause any splits or damage to this section of wood.
Finding the Curve and Handhold
To determine where to carve on your bow, you have to figure out the natural curve of the wood.
This should be a straight piece of wood, but it will still have a natural curve when pressure is applied.
Stand the branch up straight and push down from the top.
You should start to see a slight curve to the branch.
From this point forward, no carving should be done on the outside of this curve.
This is the section of wood that is under the most stress, so its strength cannot be compromised.
From here you can mark the center point of your bow and measure three inches above and three inches below.
This will be your handhold area, and little carving will be done on this section.
Next, put the bottom end of the bow on your foot and bend the bow a few inches.
Observe where the bow bends and where it stays straight.
Once the bow is finished, you should get some flexing out of every section of the bow except the tips and the handhold.
Mark any other sections that do not flex and then gradually shave a little wood off the inside of the curve.
Remember, do not carve on the outside of the curve for any reason.
Frequently check the bow to see if your adjustments are helping.
Of course, any sections that already flex on their own should not be carved any thinner than they already are.
Continue this process until both arms of the bow evenly flex in all sections.
Stringing and Adjusting
You can now carve notches on the left and right sides of the bow about an inch from the end.
They should only be deep enough to hold your string in place, and should not extend to the outside of the curve.
Cut a section of cordage to use for your bowstring. This could be paracord, sinew, or cordage made from plant material.
Tie a loop on each end large enough to fit over the end of your bow and sit in the notches.
Once the bow is strung, you should have about a six inch gap between the string and the handhold.
Do not pull back on the string yet as additional adjustments need to be made.
Next, place the handhold over a branch and gently pull down on the string. Observe which arm flexes less. Trim additional wood from the inside of the curve on that branch to give you an even amount of flex on each arm.
Once the limbs are flexing evenly, gently draw the bow back like you are preparing to fire it and feel the draw weight when the string is pulled to your jaw.
You will need a stronger draw weight for big game and longer shots, or a weaker draw weight for small game at short distances. If you wish to reduce the draw weight, you can trim more wood from the inside of the curve.
Final Thoughts
At this point you can start using your bow, but there are things you can do to make it last longer, such as never dry firing your bow (firing it without an arrow), and you can also sand the carved area of your bow and oil it with animal fat or linseed oil. Use it often and oil it on a regular basis.
For further information to help with your bow hunting process, you can read more bow hunting tips here.
If you enjoyed this article, please leave a comment here and repost on social media


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The Fantasy Suite
Indulgent by name, indulgent by nature. This suite is the epitome of boutique luxury. At the Cranleigh Boutique Church Suites, we want to ensure that every moment spent with us is enjoyable beyond measure.
Luxury Boutique Accommodation surrounded by the picturesque hills of the Lake District
These 4 Next Generation Hotel Suites are the epitome of luxury with the finest technology and designer decor to be found in the Lake District.
Any of these fabulous suites will make an unbelieve stay for any couple, we'll let you guys do the rest ?
Indulgent by name, indulgent by nature. This suite is the epitome of boutique luxury. At the Cranleigh Boutique Church Suites, we want to ensure that every moment spent with us is enjoyable beyond measure.
Our Indulgence suite is the epitome of boutique luxury. The extra large bath (big enough for two), spacious shower enclosure and 40" television screen concealed behind a wall of mirrors guarantees for a luxurious bath time. Though let's not forget about the outdoor Hot Tub. Turn your lounge area into a home cinema with...
Relaxing is an easy task in our Opulence Suite. Sink into your luxurious super king size bed and enjoy one of your favourite films from our extensive movie collection on your very own 50" television screen, or, if you'd prefer, watch and unwind in your sunken super sized air bath (big enough for two),...
While staying in The Utopia Suite, enjoy a bathroom with heated floor tiles, a spacious shower enclosure, surround sound speaker system (with music on demand), intelligent mood lighting, contemporary Italian wall tiles, and lastly, your whirlpool bath and 40" television screen.
Our very best deals, offers and promotions for the Cranleigh Boutique in Bowness on Windermere.
Get the most from your stay with us by booking in advance, we reward our guest with 10% & 20% discounts when they book in advance.
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Minecraft an open-world game that promotes creativity, collaboration, and problem-solving in an immersive environment where the only limit is your imagination.
Mods are add-ons allow changes Minecraft's game content from what it originally was. With Mods you can make your own world within Minecraft by programming a whole new set of rules and situations!
- Updated on: November 22, 2016
- Comments:
- Newest File:
- Release Type: Release
- Supports: 1.10.2,1.10,1.9.4,1.9, 1.8.9, 1.8.8, 1.8, 1.7.10, 1.7.2, 1.6.4
- License: All Rights Reserved
World Downloader Mod 1.10.2,1.9.4,1.9, 1.8.9, 1.7.10 is a mod that allows saving of a world on a remote server for singleplayer use. Mainly, this means that it can be used to backup your creations on a server. This is a continuation of the older version by cubic72 and nairol.
Screen shots:
How to install:
– For Base edit version
- For 1.7.10 or higher: Recommended using MultiMC to automatically install the mod. MultiMC is a separate launcher that automates mod management.
- For 1.7.2 or lower: (Replace 1.x.x with 1.7.2, etc in these instructions):
Note: If you have a recommendation for simplifying these, Don't just say MAKE IT FORGE COMPATIBLE. Forge does not have the hooks for directly capturing network and screen events.
- Close the launcher.
- Copy the .minecraft/versions/1.x.x folder to .minecraft/versions/1.x.x.wdl
- Go into folder 1.x.x.wdl
- Rename 1.x.x.jar to 1.x.x.wdl.jar
- Rename 1.x.x.json to 1.x.x.wdl.json
- Edit 1.x.x.wdl.json and replace text "1.x.x" with "1.x.x.wdl"
- Open 1.x.x.wdl.jar, delete META-INF and copy in the class files from the World Downloader zipfile.
- Restart the launcher, "edit profile" (or make a new profile) and "use version" 1.x.x.wdl.
Important usage notes:
- You need to open chests while downloading or their contents cannot be saved.
- The mod can only save chunks which are sent by the server as you move around. If you see the chunk while downloading, then it's saved! If you don't move, it will likely only save 10 chunks (160 blocks) in each direction.
- The seed is not saved automatically. You must be op to request the seed with the /seed command. World Downloader will pull the seed automatically from the server response.
- When you click "stop download", wait until the world is saved to disconnect. You will be notified in chat.
- Some entities such as Fireworks will freeze the client if used while downloading. Known bug.
– For LiteLoader
Note: DO NOT EXTRACT THE .LITEMOD FILE! The .litemod file is what is manually loaded. Some browsers may automatically attempt to open it; if you use safari either you can find the original zip in the trash, or the automatic opening in Safari's Preferences (Safari —> Preferences… Untick "Open 'safe' files after downloading").
In most cases, you should be able to just install Liteloader and then put the .litemod into the mods folder. Sometimes, that doesn't work, in which case you need to follow the instructions below:
- Start with a clean download of Minecraft, making sure to save any necessary files (the 3 I saved were servers.dat, resourcepacks folder, and options.txt).
- Download liteloader-installer-1.x.x-00-SNAPSHOT.jar (Mac) or liteloader-installer-1.x.x-00-SNAPSHOT.exe (Windows) HERE.
- Quit Minecraft (if it's open right now), and install LiteLoader from the .jar/.exe you just downloaded.
- Run minecraft, join a server or something, and then quit Minecraft again.
- Download the appropriate .litemod file from the downloads section.
- Place the downloaded .litemod file inside the minecraft/mods/1.8 folder:
- For Mac users, get to your minecraft folder by opening Finder and then pressing shift + command + G.
- Enter ~/Library/Application Support in the box and press "Go".
- For Windows users, type %appdata% in your search bar thingy
- Download Java Development Build using the links below, courtesy of UltiNaruto. Make sure to choose .dmg for Mac users, and .exe for Windows users.
- Get JDK 1.8.0 here : http://www.oracle.com/technetwork/java/javase/downloads/jdk8-downloads-2133151.html
- Check "accept license" and click on "jdk-8u45-macosx-x64.dmg"
You can get JDK 1.7.0 here (if you need) : http://www.oracle.com/technetwork/java/javase/downloads/jdk7-downloads-1880260.html
- Go to "Java SE Development Kit 7u80" section
- Check "accept license" and click on "jdk-7u80-macosx-x64.dmg"
- If you run mac or linux, you need to also do the following:
- Open the Minecraft launcher, select "LiteLoader 1.8" under "Profiles", and click "Edit Profile"
- Under "Java Settings (Advanced)", make sure you have the box for "Executable" checked, and type /usr/bin/java into the box (YES, PASTE IT IN EXACTLY LIKE THIS)
- Hit "Save Profile"
- Run Minecraft using your LiteLoader 1.8 profile, join a server, hit Esc, click "Download World", run around to load the chunks you want to download.
You can see video tutorial installation:
– For Forge:
There is no forge version of World Downloader. However, you can use the Liteloader version with Forge, which will generally work. Look on the liteloader thread for instructions on how to install with forge, and then insert the .litemod file as described above.
Download latest file:
– Base edit version:
– LiteLoader version: (Requires LiteLoader Mod)
This Mod is made by Pokechu22, Julialy and cubic72, all credit to modder. Visit the original Mod thread here for all info.


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Oprah & Michelle Obama Are Causing Drama
The most powerful friendship since Dennis Rodman and Kim Jong-un is back, baby: First Lady Michelle Obama has apparently been on vacation at Oprah's Maui mansion in Hawaii for days. In fact, Mobama is apparently enjoying herself so much (who wouldn't) that she stayed behind with Oprah after the president and the girls flew home from the family's Christmas break in Oahu, Hawaii. Cue rumors of drama.
According to TMZ's political reporters (that is not a thing), Oprah's neighbors aren't happy that SWAT teams, security checkpoints, and road closures are "crippling" the area — but what do you expect when the most influential woman in America teams up with the First Family? Fox News was quick to jump on the bandwagon:
TMZ reports that the increased security around Oprah's home has become a nuisance for her neighbors, as road closures and security checkpoints have been created to protect the first lady.
The owner of Goble's Flower Farm, near Oprah's home, told TMZ a security checkpoint has blocked his business, making it impossible for customers to shop there.
Other business owners tell the gossip site that they can't receive deliveries from their suppliers, and employees are arriving late to work because of the security measures.
It's been a long and storied friendship for the Oprabamas. You can trace the friendship back to 2006, when Oprah jumped on Obama's then-underdog campaign for President and secured, by some economists' estimates, the Democratic primary and a million votes.
As Obama's campaign gained traction, Oprah popped up again and again in public appearances supporting the then-candidate. As Vanity Fair put it at the time: "Oprah Winfrey has more influence on the culture than any university president, politician, or religious leader, except perhaps the Pope." When it came to the press, Oprah didn't hold back.
And what I saw with Barack Obama was something that was transcendent and I felt transformational for me as a human being and for this country. And I only pray in the deepest part of my being that America will rise to this moment. And I feel that what he was able to offer us as individual citizens and as a united country was something that we have never seen before. I really, I think it's the most powerful thing I've ever experienced. I often wondered what it would be like to sit and listen to Lincoln speak or Roosevelt speak or what it would have been like to have been old enough to understand what Martin Luther King was saying 45 years ago today. And what [Obama] did brought that home in a way that I could never have imagined.
Once Obama won the presidency, cracks started to appear in the Orpah-Obama friendship. At least that's according to journalist Edward Klein — whose credibility has been a little contested, to say the least — and who wrote the book The Amateur: Barack Obama In The White House. The bestselling book (pretty ridiculously) alleged that Oprah had tried to step into an advisor position for Obama, had flirted madly with the President, and apparently tried to become a First Lady in her own right before Michelle turned on her former friend.
This "rift" is best illustrated by this quote from the book, helpfully picked out by Jezebel in a brilliant put-down of the whole damn thing.
Michelle mentioned that the White House cooks made the best pie in the world. But she didn't offer Oprah or Gayle any.
Thanks to Klein's numerous tabloid follow-ups, full of "insider sources" bitching about Michelle's possessive nature and Oprah's desire to get close to the president — because of course two women and one man can't all be friends! Who told you that?! — rumors have flown about an Oprabama feud ever since.
And back in October, Oprah allegedly flat-out "refused" to publicly support Obamacare and help out her old friends. Though in November, when the president awarded an emotional Oprah the Presidential Medal of Freedom, they seemed perfectly jovial and thrilled to see one another. Clearly a cover-up.
Somewhere, Klein is telling anyone who will listen that he's trying to look down her dress.
Anyway, rift or no rift — and we're inclined to believe that Oprah Winfrey would never pull a Marilyn Monroe, thank you very much — Michelle and Oprah are certainly going strong. The First Lady turns 50 on Friday, and while POTUS (or at least his aids) are in D.C. planning her official party, Michelle is spending the last few days of her forties relaxing in Hawaii with Oprah. Like you do.
So that's it. No cracks, just good old-fashioned female friendship. Can we all just stop the cat-fight rumors now?
Image: Getty Images


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Tools and Materials for you Success
A few days ago I discussed several things you can salvage from your garbage and recycling bins that make great materials for up-cycling projects. Aside from collecting these items (like clear plastic containers and cardstock from product packaging) there are certain tools and materials that I highly recommend for your journey into making jewelry.
I would say the most important set of tools for anyone who wants to make jewelry is a good set of jewelry-making pliers. Many years ago when I first started learning to make jewelry I started with some household pliers because I didn't know the importance of having good tools. Needless to say, the household pliers were difficult to work with and they even left ridges on my wire. When I finally purchased a set of pliers specifically for making jewelry, I was surprised by how easy and effortless it really was. One of the things I look for when I buy pliers are an ergonomic grip. If you love making jewelry as much as I do, you will be using those pliers quite a bit so invest in pliers that will not make your hands hurt. I would also look for a kit with different types of pliers. Make sure it comes with round, flat and bent nose pliers as well as wire cutters. Usually you will save money if you buy the set versus purchasing them separately
Another product I am very fond of and recommend to everyone is a small hole punch. It's just like a typical hole punch, but the hole is a lot smaller so it is perfect for turning your recycled pieces into pendants, earrings and other jewelry components.
Besides these tools, I also have some materials that I keep using over and over because they are so good. One of my absolute favorites is Ranger's Inkssentials Glossy Accents. Throughout the years I've bought many types of glazes and top coats for my craft projects, but I'm completely in love with this brand. It creates a highly shiny top coat without being sticky and it almost looks like a resin coating. The applicator tip is also very precise so you don't even need to use a brush with this product.
Lastly, you will also need some jewelry making basics like wire, chain, headpins, eye pins, jump rings, clasps, earring wires and some beads. A lot of these materials can be purchased in a combined kit and I recommend that for beginners, this way you can begin your jewelry-making without breaking the bank.
Have you been making jewelry for long? What are some tools and materials you can't live without? Let me know in the comments below!
Finding Materials & Storing Them
Starting any hobby usually requires a small investment up front. Fortunately, making recycled jewelry is an inexpensive hobby that can actually save you money in the long run and you only need minimal tools and materials to get started. The best part of making jewelry from recycled materials is that most of your materials will be free and they're very easy to find. I will be doing a series of posts on how to get started. In this first post, I'm covering where to find things you can recycle into jewelry and how to store them.
In my journey making jewelry from recycled objects I've developed an eye for things that make great jewelry components. You would be surprised at what you can do with an empty hummus container or yesterday's newspaper. My favorite materials are cereal boxes, plastic food containers, plastic bottles, junk mail, magazines, catalogs and old calendars. As you start making jewelry from recycled objects, you'll develop a sense of what makes good material for your projects. You may even find that some things (like tissue boxes) already come with really pretty colors and designs. Take advantage of all the effort companies put into their product packaging. So many items already have beautiful colors and pictures that you can use in your projects that you won't have to do too much to have an interesting outcome.
With all of those materials, I know the question is going to arise as to how to store them. I keep my materials sorted based on size and composition. When I find a good plastic container for upcycling, I wash it, remove the labels and cut it into squares or sheets so that I can then store the pieces in a box for when I'm actually ready to do something with them. This helps me stay organized because I don't have tons of empty containers in my crafting space and it's also nice because when I'm ready to make something I can go straight to the fun part and skip the initial prepping.
For cardstock items, like nice tissue boxes, I flatten them out and store them in a scrap booking container. If I plan to use them for image transfers, I'll usually make the image transfer right away so that it doesn't take up as much space. Since image transfers are thin, you can store them in a smaller container and keep them stored until you're ready to use them. This also helps save time because the process of making an image transfer can sometimes be a little lengthy (especially if you have stubborn paper that doesn't rub off easily). Making your image transfers ahead of time and storing them will make it so much easier when you want to use them.
Other things that you may want to collect are things like small bits of ribbons, buttons and old jewelry. I usually store these types of materials in jars or a small container. This of course depends on the amount of materials you have. If you have hundreds of buttons, then a container with a lot of compartments is probably your best bet (like a bead organizer). Also if you have a lot of old jewelry for recycling, I would suggest a bead organizer. You can clean and take apart the jewelry and separate all of the beads and components to make it easier to use once you're ready to make jewelry. Again, prepping and organizing will make things easier so that when you're ready to sit down to make your recycled jewelry you can get right to the creative process and skip all of the sorting, cleaning and prepping.
Hi! Thank you for stopping by, I'm Diana. I love making jewelry, reading (especially the Bible) journaling, writing, saving money, and sharing everything I know with other people!
October 2017


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1 個解答
- 1 十年前最愛解答
Hoist the colours (Hans Zimmer)
The king and his men,
Stole the Queen from her bed,
And bound her in her Bones,
The seas be ours,
And by the powers,
Where we will, we'll roam.
Yo Ho, haul together,
Hoist the colours high,
Heave Ho, Theives and Beggars,
Never Shall We Die!
Some men have died,
And some are alive,
And others sail on the sea,
With the keys to the cage...
And the Devil to pay,
We lay to Fiddler's Green!
The Bell has been raised,
From it's watery grave...
Do you hear it's sepulchral tone?
We are a call to all,
Pay heed the squall,
And turn your sail toward home!
Yo Ho haul, together,
Hoist the colours high
Heave Ho, Theives and Beggars,
Never Shall We Die!


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Four years ago today, at approximately 9:40pm, an explosion rocked the Macondo well on the Deepwater Horizon platform fifty miles off the coast in the Gulf of Mexico, sending flames shooting into the darkness, and taking the lives of eleven men.
An Esquire magazine article stated it well: "There were eleven of them who died on the Deepwater Horizon. They died on the black ocean, in the black night, far away from our eyes or our interest, in untrammeled obscurity."
BP has announced the official end of clean-up efforts from the Deepwater Horizon disaster. It has also recently announced, with great exuberance, that it is re-entering the Gulf of Mexico to resume drilling. BP has moved on and is clearly excited about its prospects of once again making money off the Gulf. But, we should never forget these eleven men and how difficult it is for their families to ever truly move forward.
Today, we pay tribute to these eleven men:
— Jason Anderson, 35, of Midfield, Texas. A father of two. His wife, Shelley, said Thanksgiving was his favorite holiday. Anderson began preparing a will in February 2010 and kept it in a spiral notebook. It sank with the rig.
—Aaron Dale "Bubba" Burkeen, 37, of Philadelphia, Miss. His death at the Deepwater Horizon came on his wedding anniversary and four days before his birthday. He was married with two children.
—Donald Clark, 49, of Newellton, La. He was one of six workers scheduled to leave the rig on April 21, the day after the blast.
—Stephen Ray Curtis, 40, of Georgetown, La., Curtis was married and had two teenagers.
—Gordon Jones, 28, of Baton Rouge, La. Jones arrived on the rig the day before the explosion. He died three days before his sixth wedding anniversary and 10 minutes after talking to his pregnant wife, Michelle Jones. Their son, Max, was born three weeks later.
—Roy Wyatt Kemp, 27, Jonesville, La. Kemp was married. His daughter's birthday was 3 days before the explosion. Kemp was one of six workers scheduled to leave the rig on April 21.
—Karl Kleppinger, Jr., 38, of Natchez, Miss. Kleppinger was a veteran of the first Gulf War and the father of one child.
—Keith Blair Manuel, 56, of Gonzales, La. Manuel had three daughters. He was a fan of LSU athletics and had football and basketball season tickets.
—Dewey A. Revette, 48, of State Line, Miss. Revette had been married to his wife, Sherri, for 26 years when the rig exploded. He was one of six workers scheduled to leave the rig on April 21.
—Shane M. Roshto, 22, of Liberty, Miss. His wife, Natalie, filed a lawsuit April 21, 2010, saying she suffered post-traumatic stress disorder after her husband was killed in the explosion. He was one of six workers who were set to leave the rig on April 21.
— Adam Weise, 24, Yorktown, Texas. Weise drove 10 hours to Louisiana every three weeks to work on the rig. A high school football star, he spent off- time hunting and fishing. He was one of six workers scheduled to leave the rig on April 21.
(Source: Associated Press)


text: I've been happily apart of the Gingham Gang Gang for about a month and half now. The funny thing about all this is when I was in high school, I did not like gingham. I thought the pattern was so tacky, mind you I was the girl walking around with a pink Juicy Couture handbag…Read More


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Parenting is full of both joys and challenges. We're here to support you in both. Every day, we hear from parents who have concerns or questions about child development and parenting. To help answer some of these questions, we've compiled and written a variety of parenting articles.
Whether you need the answer to a tough question, are looking for advice on how to deal with a difficult time your family is going through, or you just want to learn more, is section is for you.
Our resource library is always growing, and we add new articles and features all the time. So come back frequently to find more tools and resources to help you raise successful kids.


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Columbia Taping Tools 7 in. Quick Clean Flat Finisher Box fat boy Read More
I'm excited to show you guys the new site. For the past 3 years Drywall Talk has been a simple forum with categories and threads. Today, we are adding some major new featurse to the site but in reality they just build upon what we've already been doing. Product ReviewsMembers have always reviewed products that they are happy with in the f... Read More
Does it every end? Are we seriously addicted to new tool purchases like a substance addiction? Countless nights I sleep and think about screwing drywall with a cordless Hilti screwgun. You know the one that has the clutch, and goes for around $350.00 brand new. After just purchasing a new hilti cross-line laser, I thought my reckless spending wh... Read More
Running any business means being on top of your finances, and part of that is devising a pricing strategy. Ask yourself, as a contractor, and taking into account all of the material and labour costs you need to consider, which pricing strategy is best for you? Most customers can tell if a price is fair or not and are likely already comparing ot... Read More
Well i never knew i was such a drywall fan until i stumbled on this website. Drywall art? Really? Well now I know. I will b etaking the next drywall college class with trim tex. i definitely have a lot to learn.I have a small crew and I am feeling like i need to supply them with the best safety equipment possible. When it comes to drywall, who r... Read More
Having an understanding of the geographic area your business operates in is vital to ensure growth and sustainability. Working as a contractor, you'll be familiar with the idea that your income is reliant upon people seeking your services and hiring you to do work on their homes or businesses. But the crucial part of maintaining a flow of ... Read More
Hello Guys: I know I've been silent for some time, but I've really been busy getting back into the business of specializing in repairing Cracks and Dings for new customers. Just to let you know what's been going on withthe New Invisi-Back Drywall Crack Repair Backing Plate; I recently created a MS Power-Point Slide Presentati... Read More
When it comes to owning a home we all know that there's a degree of maintenance and upkeep that's required. Having the skills to be able to take care of your home can save you a great deal of money in repair men, and hassle when you can sort something yourself. There are a number of things that commonly go wrong in every home, but h... Read More
Murwall's plasterer have receive their training on the use and maintenance of stilts. Stilts must be used with proper training and workers must complete practical experience in the use of stilts . Murwall's plasterers stilts are from a recognized industry manufacturer who is providing an instruction manual on their correct use that ... Read More


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- Search CSN:
- Members: Login to search all areas
- Not a member? Click here to search public areas
Aug 26, 2003 - 9:47 pm
Besides having melanoma, I have been dealing with fibromyalgia, and Celiac Sprue (gluten intolerance)which is genetic, and Attention Deficiency Disorder. I am on Interferon Alpha, and as strange as it may sound, all the afore mentioned disorders are improving! I have always felt that fibromyalgia was a low grade virus that my immune system did not recognize and am wondering since Interferon A is an anti tumor and anti viral application, if anyone else has experienced anything like this. I'm not saying that the Interferon application has been a walk in the park, but on my GOOD days, they are really incredible! Anyone out there with any similiar experience? The celiac sprue is also affected by the immune system, so I am getting my hopes up, that maybe after my year on this, my system will be able to handle one piece of pizza again without blasting me! Spaggetti?, Lasagna?, A Big Mac? Be still my poor beat up immune system! Thanks! Connie
Oct 14, 2003 - 4:13 pm
One of the chemotherapy medications I was on is so effective in relieving the pain and inflammation of rheumatoid arthritis that in severe cases, it is now used to provide relief. The anti-inflammatory/anti-viral effects of chemotherapy medications may be exactly why we see improvement of many other things while on chemotherapy.


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A Calendar of Events letting you know what, where and when is happening throughout the Chopin Year:
- Events: concerts, exhibitions, shows and many others
- Reports
- Interviews
- Kordegarda CHOPIN 2010
In September 2011, the Oberursel City in western Germany will have the Fryderyk Chopin Square. On March 1, the news was announced by Mr. Hans Georg Brum, the mayor of the city, at a gala concert dedicated to the composer.
The concert with its traditional name "Chopiniada" took place under the patronage of the Ambassador of the Republic of Poland in Berlin, Marek Prawda. Ilse Schwarz-Schiller, the President of the local Chopin Society, welcomed the guests. Jakub Wawrzyniak, the Consul thanked the organizers and the present at the concert representatives of the Chopin Societies in Darmstadt and in Worms for their commitment to celebrations of the Chopin Year.
Janusz Olejniczak was the special guest. His performance received several-minutes long ovation. The artist performed compositions by Fryderyk Chopin, Karol Szymanowski and Claude Debussy.
Apart from local political and cultural representatives, special guests were present at the concert: the mentioned Hans Georg Brum, mayor of the Oberursel city, Toyoei Shigeeda, Consul General of Japan in the Frankfurt am Main, professor Maciej Łukaszczyk, president of the Chopin Society in Germany, and Klaus Sturmfels, Honorary Consul of the Republic of Poland in Hesse. After the official part, a meeting with the pianist, honorary guests, organizers and sponsors of the concert took place.
The Minister of Culture and National Heritage of the Republic of Poland awarded the mayor of the Oberursel city the distinction "For Merits to Culture of Poland" (pl. "Zasłużony dla Kultury Polskiej") The ceremony of awarding the distinction will take place in September 2011 in Oberursel, at the opening of the "Fryderyk Chopin Square" in the city.


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BRAZIL (CNN) – FIFA announced Thursday that Luis Suarez has been banned from nine international matches and suspended for four months from any football activity.
Although Suarez does have a right to appeal, this will be the most severe ban handed out by FIFA in a World Cup ever.
"The first match of this suspension is to be served in the upcoming FIFA World Cup fixture between Colombia and Uruguay in 28 June 2014," said a FIFA statement. "The remaining match suspensions shall be served in Uruguay's next FIFA World Cup matches, as long as the team qualifies, and/or in the representative team's subsequent official matches."
FIFA also confirmed that Suarez is "prohibited from entering the confines of any stadium" during his ban and must pay a fine of $111,000.
Claudio Sulser, chairman of the FIFA disciplinary committee,said in a statement, "Such behavior cannot be tolerated on any football pitch, and in particular, not at a FIFA World Cup when the eyes of millions of people are on the stars on the field."
This however, isn't the first time Suarez has gotten in trouble for biting and other illegal activates surrounding the game.
At the 2010 World Cup in South Africa, Suarez intentionally handled the ball on the goal line to deny Ghana a place in the semifinals of the World Cup.
The next year, he was at it again, when he was found guilty of racially abusing Manchester United's Patrice Evra.
Luis Suarez's club team also released a statement after FIFA's decision, saying, "Liverpool Football Club will wait until we have seen and had time to review the FIFA Disciplinary Committee report before making any further comment."
Now, Suarez will not get to play in the World Cup but is also looking at the possibility of missing Liverpool's first nine Premier League games of the season and the start of the Club's Champions League campaign.


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As a father, Scott understands that living a life of integrity is a defining part of his daughter's life. With Scott's old school values, he takes his word as his bond; honour at the forefront of business and life.
Scott has over 30 years' experience in real estate with his background in construction management and real estate sales. From residential high-rise to custom luxury homes. Scott has been involved in all facets of the process; from breaking ground to completing the sale.
Being in the Sea to Sky, first starting in 1993, has given Scott a clear understanding of where the communities have come from , and coupled with his experience background; where things are headed.


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Kim has not used her iPhone for many months due to some faults in the device. Her Android phone has thus become a faithful companion. But, something happened and she realized that she needed her iPhone again. Trouble started when she could no longer remember the password. What will she do now?
Have you ever found yourself in a similar circumstance? You can make use of the fantastic solution we will discuss in this piece. However, what happens if you forget your iPhone password? Let us look at this first.
What Happens If You Forget Your iPhone Password
The iPhone password is a safe way to prevent unauthorized access to your device and data. When you forget the password, there is a tendency to enter the wrong keys several times. If that happened, your device could be disabled. That's a tragic outcome you don't want!
Can You Recover Your iPhone Passcode
No! Apple provides the way to recover Apple ID password, but there is no way to recover your iPhone screen password.
What you can do is to restore your iPhone and remove the passcode. There are several ways to do that and you can find a solution online if you research a little. However, you could get confused with the deluge of information available, many of which may not solve the problem but worsen it. Therefore, we show you the way which is the most useful for any vital situations.
What to Do If You Forget Your iPhone Password
If you have been looking for what to do if you forget your iPhone passcode, we are happy to introduce an amazing program to you. iMyFone LockWiper is the solution you need.
LockWiper iPhone Password Unlocker is a third-party app that has been around for sometimes and is trusted as an iPhone problem solver. LockWiper provides iPhone users with an effective solution to locked, disabled, unresponsive, and broken iPhone. No matter the problem with your device, LockWiper will try to solve it, and quickly too!
You would like to know some of its outstanding features, right? Here you go.
Some main features of iMyFone LockWiper are listed below:
- Quick Unlock: What if you could unlock your iPhone in a twinkle of an eye? You would go for it, right? Then, LockWiper is what you need to do that.
- Bypass Password: The app will quickly get your iPhone unlocked and bypass password.
- Usable On All Digits: You can use LockWiper on all 4-digit, 6-digit passcode iPhone models, including Touch ID and Face ID.
- Wipe/Unlock: If you which to reset to factory settings, that app will do that or unlock disabled, unresponsive, or broken iOS screen if that is what you want.
- Wide Compatibility: It's compatible with all iOS versions and devices such as iOS 12 and iPhone XR/XS.
Download LockWiper to Fix Your Issue If You Forget Your iPhone Password
Step 1: Get Started
Download and install iMyFone LockWiper on your computer first. After you connect your iPhone to the computer, launch iMyFone LockWiper and click on "Start".
Step 2: Download Firmware Package Place
You need to place your iPhone device on DFU mode in this second step. You do this by first selecting your model at the top bar on your screen. Make sure to respond to each on-screen instructions prompts for DFU.
Double check to be sure of your device model. It should be auto-detected by LockWiper. If that happens, you are good to go. If not, change it to the appropriate model yourself. Click "Download" for a specific firmware.
After downloading, you will be prompted to verify. Click "Start to Verify" and go to the next step.
Step 3: Unlock iPhone Password
At this final stage, click on "Start Unlock". Enter "000000" to confirm and click "Unlock". It will begin unlocking. Instantly, your device will be unlocked for use without your password.
iMyFone LockWiper's free trial allows you to check whether this software will be working for your situation or not. When you click "Unlock" at the last step, you will be asked to register it first. Get a license code here and continue successfully unlocking your iPhone.
iMyFone LockWiper Official Serial Key: Come Here to Save Money >>
So far, you have seen that forgetting iPhone password is not a big deal. All you need in your hand is a reliable program like iMyFone LockWiper and you will solve any iPhone problems with it.


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by: Jorge Sellare
Choosing where to do their internship is definitely one of those hard moments in the life of WBS students, for this experience represents not only the possibility of acquiring some practical knowledge and skills, but also the chance to (further) build your professional network and narrow down fields of interest, which will help when the time comes to choose a research question for your Master's dissertation. Therefore some questions inevitably arise: Is it better to do the internship in an international organization like the UN or are the learning opportunities better in smaller organizations? Do I want to be in a research center, in an operational or advocacy NGO? Should I stay in Western Europe, do the internship back home, or go to the field in another developing country? As for myself, I decided to go to Kosovo over the semester break to do my internship in an international organization called SPARK.
SPARK is a Dutch NGO that works in post-conflict societies promoting higher education and entrepreneurship to empower the population to lead their countries to prosperity. Through projects that aim at supporting and developing the private sector, SPARK, in cooperation with a broad range of local partners (start-up centers, chambers of commerce, universities, governments etc.), brings sustainable development and new job opportunities to countries and regions like the Balkans, Liberia, Rwanda, Burundi, Palestinian Territories, Yemen and South Sudan. As interesting as it sounds, things are obviously not always flowers. As a Brazilian – someone who has absolutely no idea of what war or ethnic conflicts are – going to a post-conflict society can be both exciting and frightening, especially if you have specialists like Professor Richter telling you "Oh, so you are going to Mitrovica? Things have been very tense there lately." Luckily, this was not my first time in Kosovo, so I knew what to expect. My first time there however was quite hard, yet by all means a life-changing experience. But that is a subject for a whole new post.
Going back to the internship experience itself, unfortunately I have to say that it was not the best one. I stayed in Kosovo from mid-March to mid-April and during this time all I did was revising a couple of reports about projects that had just finished. Of course I used the idle time to learn about SPARK's projects, check their proposals for grants, and read about business development, but all that could have been done from Germany as well. As I mentioned above, being on the field can be a life-changing experience so being there was obviously not a waste of time, but if we think about the internship as an opportunity to have hands-on experiences, then it was a failure. What happened in my case is that since I knew that the organization was not looking for interns, I offered myself to do a non-paid internship on a totally voluntary basis. Since they would not have to spend anything on me, I was accepted, but the time to go there could not have been worse because they were in a period between projects, so there was not much to do for an intern – obviously, because if they had work to be done they would have been looking for interns.
I think I can draw from my experience two pieces of advice for the ones who are still looking for an internship. Firstly, after being accepted for an internship position, do make sure that there will be tasks to be performed in the organization. This can be easily done by briefly talking to the internship coordinator. Ask him or her about the project you will be working on and what your part on it will be. If you are not happy with the answers, simply do not go. Secondly, if going to the field is minimally in accordance with your career plans, then do so. Get out of your comfort zone; go to places different from those you are used to. As hard as it may be, you will only be enriched by the experience.


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Loan Types
Ready to Choose Your Loan Type?
Get ready to make lots of interconnected decisions. Here are four key terms to understand:
Lenders want to give their customers choices as every borrower has a unique situation. This does not make the decision process simple.
For fixed-rate mortgages alone, you could choose a term of 10, 15, 20, or 30 years to pay back your loan. Some banks offer oddball terms, like 17-year and 25-year loans. You could go with any of these, but if you want a standard mortgage, 15 or 30 years is where you want to be. 30-year terms account for most mortgage loans, with 15-year loans a close second.
As you make your decision, remember that different loan terms will result in a very different loan experience. A 30-year loan will have a lower payment paired with a higher interest rate, costing more over the life of the loan. On the flip side, a 15-year loan will have a higher payment paired and a lower interest rate, saving you money over time. If a 15 or 30-year doesn't feel right, it might be time to investigate another option.
If you choose to go with that 30-year fixed-rate loan, but aren't happy with the interest rate you get, can you do anything about it? Definitely.
Mortgage discount points are yet another option to consider in your loan choice. If you have upfront cash, you can buy down your interest rate — making your "just okay" loan option a "more than okay" loan option.
The cost of each discount point is equal to one percent of your loan size, while a percentage point of your loan size is usually around 0.25% off your interest rate, though the value isn't standardized and varies by lender and loan program.
The key question is: Will it be worth the cost?
There's a break-even point down the line, usually five or more years into your loan, where buying down your rate starts saving you significant interest. However, if you sell or refinance before then, you won't realize the full savings.
The discount points investment makes sense if you plan to keep your home long term. Otherwise, not so much.
You don't have quite as many options when choosing interest rates — in fact, a lot of the choosing is done for you based on your credit score and borrower profile. Still, a few things to consider.
Those 15- and 30-year fixed-rate loan terms will have noticeably different rates, with the 15-year option having the lower rate. The choice here depends on whether you want — or need — a lower monthly payment, with some consideration for how much interest the longer loan will cost you.
Adjustable rate mortgages (ARMs) are also something to consider. They can be risky — and aren't for everyone — but introductory rates are typically much lower than either 15- or 30-year fixed loans. If you're savvy with finances and don't plan to keep the mortgage past the first rate adjustment, this might be the option for you.
Yet another choice — how big a down payment you can make on your new home — has a big impact, affecting your interest rate, monthly payment, even what loan programs you're eligible for.
Down payments can range from as little as 3% to more than 20%. What will these buy you?
With a down payment as little as 3% down for home purchases, you can get into a HomeReady™ loan for creditworthy, low to moderate-income borrowers. The HomeReady™ program allows permits the "income pooling" for all of the members of a household and is for both first-time or repeat home buyers.
With a 3.5% down payment, you can get a Federal Housing Administration (FHA) loan, a government-backed loan that's become increasingly popular since the 2008 recession. These loans must be a conforming loan — for an amount less than $453,100 in most areas of the country.
With a 5% down payment, you'll be eligible for Freddie Mac and Fannie Mae conforming loans.
Lenders still prefer a down payment of 10–20%, while for jumbo loans — loans in excess of the $484,350 limit in most places — a down payment of 20–35% may be necessary.
As you can see, you can't really make any of these decisions in a vacuum. Each choice affects the other choices.
The best approach? Work out how real, concrete options you've been approved for will meet your mortgage needs.
Fixed or Adjustable Rate Loans?
Does it matter? Yes. Here's a closer look.
This is the go-to option for nearly 90% of homebuyers and loan refinancers. There's a good reason for that popularity:
- Interest rate stays the same, never changes
- Monthly payment stays the same, never changes
- No need to think about selling or refinancing in a few years, unless you want to
Fixed-rate loans come in a number of flavors with amortization terms ranging from 10 years up to 30 years. The fan favorite loan terms that account for most fixed-rate mortgages: 30 and 15-year loans.
30-year fixed-rate mortgages lock in your interest rate and monthly payment for all 30 years. The slightly less popular 15-year is conceptually the same but calls for a payment length that is half of the time, so your monthly payment will be higher. Another perk, you save some serious cash in saved interest over the lifetime of the loan.
You can probably figure out that an adjustable rate mortgage (ARM) comes with an adjustable interest rate. What's that mean exactly?
In short, the rate for an ARM is tied to interest rate of a specific financial index — Treasury bills, certificates of deposit, the LIBOR index, etc.
When that index goes up (or down), your interest rate follows.
Why would anyone climb on such an interest rate rollercoaster? Two reasons:
- Introductory ARM interest rates are usually lower than fixed-rate interest rates.
- That low intro rate can let borrowers buy more house than they could with a fixed rate.
Most ARMs today are actually hybrids, with a low, fixed-rate introductory period followed by a rate that can adjust yearly based on its financial index. Some of the most popular ones are 5/1 ARM, 3/1 ARM, 7/1 ARM, and even 10/1 ARM, with five, three, seven, and 10-year fixed introductory periods, respectively. Most ARMs currently offered have long amortization periods, usually 30 years.
ARMs aren't as simple as fixed-rate loans, which means they come with a mouthful of new mortgage lingo.
Here's one way you might see an ARM offer listed out in the real world:
- It's a 5/1 ARM with a 3/2/6 cap with the interest rate determined by the LIBOR plus 2%
Wow. Let's break that down.
This is an adjustable rate mortgage with a fixed rate for 5 years followed by a rate adjustment every 1 year. That very first adjustment is capped at 3%, later adjustments are restricted to a change of 2% or less per adjustment, and the lifetime interest rate cap for this loan is 6% over your initial rate, never more. This loan has a margin of 2%, meaning 2% is added to the base index, the LIBOR rate, to come up with your newly adjusted interest rate. See, not so hard.
Which is better? It depends. A 5/1 ARM offers the opportunity to save several thousand dollars in interest over the first five years, but those savings could be wiped out by a rate adjustment.
If you definitely plan to sell or refinance well within the introductory rate period, but could make higher payments if needed, an adjustable rate mortgage could be a good option for you.
However, if you plan to put down some roots or tend to worry about your future, sticking with a more conventional fixed-rate loan is probably the way to go.