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Take charge of your life. Get the Help You Need.
- Donald Douglas
- 3 years ago
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2 Quick Links Life Threatening Emergency: Call 911 Emergency Services Referral: Resource Guide: Volunteer Opportunities: Orange County United Way: Take charge of your life. Get the Help You Need. 2
3 About the Guide In this deep recession, you may have found yourself among many in our community facing the loss of a job, financial difficulties, home ownership or credit challenges, and/or need for health and human services. This guide is intended to help you address the "Now what?" with resources that are available in your community to assist you during this difficult time. Orange County United Way focuses on improving lives in Orange County by moving individuals and families up the economic ladder from crisis to self-sufficiency. This includes helping people get through hard times. Unemployment, even temporary, is probably one of the most difficult experiences to endure. Losing your job is traumatic, especially when it affects your entire family's income. Knowing where to turn and taking control of your situation can reduce the impact on you and your family. Orange County United Way continues to focus on funding a critical infrastructure of human care programs throughout Orange County. This tool offers suggestions to maintain your quality of life while searching for employment or handling other financial difficulties. For example, contacts are provided to help you find low-cost health insurance, prevent foreclosure, seek credit counseling and other health and human services for which you may qualify. We hope the resources compiled here will help you plan ahead, sign up for the services you need, and connect with service providers in our community. To learn more about Orange County United Way, please visit us online at 3
4 Table of Contents 1. Who to Call General Referral Information p.5 2. What to Do When the Paycheck Stops - Filing for Unemployment p.5 3. Your Financial Action Plan p.7 4. Tips for Building Your Savings Account and Budgeting p.9 5. Creditor Action Plan p When a Bill Collector Comes p Contacting a Credit Bureau p Credit Reports p If You are Sued p Legal Assistance p Bankruptcy p Tips for Using Your Credit Card Wisely p Financial Literacy Programs and Credit Counselors p Managing Stress p Counseling Services p Crisis Intervention Hotlines p Resources for Children, Families, and Elderly p Drug and Alcohol Counseling p Accessing Healthcare p Medical Care Coverage p Additional Resources p Medical Care Coverage for Children p Housing Assistance p Predatory Lending p Resources: When You Are At Risk of Losing Your Home p Renter s Action Plan p Housing Alternatives p Resources: Emergency Housing p Veterans Assistance p Food Assistance p Food Stamps p Utility Action Plan p Utility Assistance Programs p Low Cost Auto Insurance p Tips for Finding a Job p Employment Resources/Workforce Training p Tax Preparation Assistance p References p.41 This document is available at 4
5 Who to Call General Referral Information is an easy to remember telephone number which connects people in need with the community resources available to help meet those needs. This helpline can assist you and your family through tough times. By dialing three digits, 211, you will learn about health and human services in Orange County. The helpline is available 24/7. For more information about Orange County, visit Orange County provides referrals to the following services and more: Rent/Utility assistance Food pantries Low cost housing Employment assistance Health clinics Foreclosure prevention Job training programs What to Do When the Paycheck Stops Unemployment, even temporary, is one of the most difficult experiences to endure, especially if it affects your entire family s income. Knowing where to turn and the steps to take can help reduce the impact on you and your family. What to Do in the First 30 Days 1. File for unemployment. 2. Update your resume and start looking for work. 3. Contact your creditors. 4. Call for assistance. 5. Brush up your job skills. 6. Create your Financial Action Plan. Step 1: File for unemployment. You should not apply until you are actually laid off. You have several ways to file: File your claim online by going to It is secure, reliable, and the fastest way to file your claim in English or Spanish. File by telephone - Call between 8 a.m. and 5 p.m. Monday through Friday. This service is not available on State holidays. Additional languages: Spanish: Cantonese:
6 Mandarin: Vietnamese: File by mail or fax Forms are available online at or at One Stop Employment Resource Center locations (See p. 5). Application: Fill out the application online and print it, or print out the application and hand write your answers. Then mail or fax the application to EDD for processing: Mailing Address: EDD, P.O. Box 5007, Buena Park, CA Fax number: Be prepared with the information you ll need: List of all the names used while working and your social security number Your mailing and residence addresses (if different) and telephone number Last employer s name, address and telephone number Reason you are no longer working for your last employer Last day of work with that employer Your gross earnings the last week you worked Your driver s license or ID card number Your citizenship status Information on all employers you worked for during the 18 months prior to submitting your application and filing your claim including employers name, time period of employment, wages earned and how you were paid. If you have moved: Address changes can be made by calling an EDD representative ( ), during regular business hours, 8:00 a.m. - 5:00 p.m. Offices are often quite busy in the mornings, especially on Mondays and Tuesdays. Calls are often more successful later in the week. You can mail your changes to: UI Consolidated Service Center South P.O. Box San Bernardino, CA Step 2: Update your resume and start looking for work as soon as you know you are going to be laid off (See Tips for Finding a Job p. 38). Orange County One Stop Employment Resource Centers are available for job search opportunities, resume preparation and other employment services. Register at their website ( or onsite at Irvine One Stop office Technology Way, Suite 200, Irvine Westminster One Stop office Garden Grove Blvd., Westminster 6 UI Consolidated Service Center North, P.O. Box Sacramento, CA 95826
7 Step 3: Contact your creditors. Gas, cable and phone companies have programs that can help. Dial or see p.45 for more information on utility assistance programs. Step 4: Call if you need assistance. Step 5: Brush up your job skills: Explore training options at Look at career opportunities and in-demand occupations at and (Also see Employment Resources/ Workforce Training p.39). Step 6: Create your Financial Action Plan. Your Financial Action Plan Getting control of your personal finances is a vital step to surviving unemployment. Look at your spending habits, and change them if you have to, so that you have control over where your money goes. By following the action plan in this and following section, you will improve your ability to deal with money problems. Steps to create a Financial Action Plan 1. Prepare a complete household budget 2. List other assets 3. Set priorities 4. Make a list of creditors 5. Stop credit purchases 6. Plan how to reduce household expenses 7. Sell and barter 8. Check into other financial resources Step 1: Prepare a Complete Household Budget A budget helps you see where you spend your money and where you can save. You can even work on a budget as a family project. Your budgeted expenses should include: Fixed expenses (including mortgage, rent, taxes, insurance, loans, installment payments, credit card payments, and any other monthly payments). Monthly expenses (such as food, gas, repairs, dues, recreation, prescriptions). Future expenses (income/property tax and other outstanding debts). Your budgeted income should include: Income Savings Severance pay 7
8 Unemployment compensation State disability insurance benefits Workers compensation checks Accrued vacation pay Refund from pension funds. Step 2: List Other Assets Other assets may include: Cash value of insurance policies Prepaid burial or funeral policies Equity in your home (the difference between the value of your home and the amount you owe on your home) Resale value of vehicles (including boats and snowmobiles). Now you are ready to adjust your expenses, negotiate with creditors, and use assets in the most effective way. Step 3: Set Priorities for Your Expenses Put your payments in order of importance, with the most important at the top, the next most important second and so on. This will help you pay first things first when money is short. Generally, your most important payment will be the mortgage or rent, followed by utilities, health insurance, and car payments. If you are paying child support or alimony, these payments are also high priority. Step 4: Make a Complete List of Creditors List the following information for each creditor: Total amount owed Payment scheduled and amount Account number Name, address, and phone number of the contact person. Determine how much you are going to be able to pay on each bill. Call the creditors if you need to negotiate a lower monthly payment. See p. 10 for Creditor Action Plan. Step 5: Stop Credit Purchases Stop using all your credit cards. Interest on most credit purchases is extremely high. Don t add to your burden. If you have advance warning that you might be out of work, try to make larger credit card payments to reduce the balance you owe. It will be easier to handle the minimum payment they require. Step 6: Plan How to Reduce Household Expenses Plan with your family to reduce your household expenses by agreeing to some of the following suggestions (Also see Tips for Building your Savings Account & Budgeting p.9): 8
9 Plan less expensive meal menus and make good use of leftovers. Lower your phone bills by reducing long-distance calls or by making them during the lower rate evening and weekend times. Conserve on energy and fuel costs by (Also see Utility Action plan p. 35): Turn off the lights, TV, and appliances when not in use. Cut back on the use of power hogs like hair dryers. Lower the thermostat on your furnace, or turn up your air conditioner, and dressing accordingly indoors. Wash and dry only full loads of clothes. Eliminate unnecessary car trips by combining errands, carpooling, taking public transportation or walking to save gas. Biking is fun and good exercise too. Learn to sew and mend to stretch your wardrobe. Tailors and many dry cleaners can do low-cost clothing repairs and alterations that extend the life of your clothes. Yard and garage sales: They are a good source for clothes and other items. Because children outgrow clothes so fast, used children s clothes are often high quality and low-priced. Salvation Army, Goodwill Industries, resale shops, and many churches sponsor clothing resources where good, often new, clothing is low priced. Step 7: Sell and Barter Consider selling that extra vehicle or the boat and trailer you rarely use. Look at your possessions to see which items could be sold without really changing the way you live. Where possible, offer to trade out for items you need. For example, you might suggest to a friend that you swap a TV you don t need in exchange for an item. STEP 8: Check into Other Financial Resources Life Insurance - Review your policy or talk to your insurance agent to see if you can borrow against your life insurance policy. Pension Funds - Talk to your union representative or company to see if you are owed a refund on your contribution to a pension fund or other company funds. Tips for Building Your Savings Account and Budgeting Saving money and maintaining a spending plan is hard work. But it s worth it. They can help you become financially secure and meet your goals and priorities. First, focus on saving. A savings plan is another way to change your spending habits. Plan to save every month, even if it is only $30 per month, which is about $1 a day. At this rate, you will have saved $360 the first year; $1,080 after three years. If you add interest, you d save even more. Next, determine which categories you ll cut from your spending plan to make up your projected savings. For example, if you can save $30 per month by cutting dining out, that s $30 that can 9
10 go to savings. Challenge yourself to meet your goals by always looking for ways to reduce your expenses. Tips for Building Your Savings Account Save coins from your daily change. Put the coins in a piggy bank. You won t miss them and you ll be surprised how quickly they add up. After you ve paid the last installment on your car or other loan, regularly add the same amount you ve been paying to your savings account. If you get an income tax refund, deposit it in your savings account. Save your overtime pay instead of spending it. Put gifts of money received for birthdays, the holidays, or other special occasions in your savings account. Be sure all of your money is working for you. Deposit extra sums of cash immediately. Create a short-term program during which you save as much as possible. Buy nothing unless you really need it. Cut out movies, eating out, entertaining or other expenses and deposit what you save. Other Ways to Save Housing: Do your own repairs. Shop garage sales. Recycle glass bottles, aluminum cans, etc. Conserve on energy and fuel costs by: Turning off or dimming the lights, turn off TV, and appliances when not in use. Cutting back on the use of power hogs like hair dryers. Lowering the thermostat on your furnace, or turning up your air conditioner, and dressing accordingly indoors. Washing and drying only full loads of clothes. Eliminating unnecessary car trips by combining errands, carpooling, taking public transportation or walking to save gas. Biking is fun and good exercise. Food: Pack your own lunch. Cut down on eating out. Consider generic foods and use coupons. Save and eat leftovers. Limit shopping to once a week. Plan menus and make a grocery list. Only buy what you need and avoid impulse buying. Transportation: Use public transportation. Carpool. Consider selling that extra vehicle or the boat and trailer you rarely use. Consider moving closer to work. Do your own repairs. 10
11 Recreation & Entertainment: Seek out family-oriented, inexpensive activities; use public parks and picnic areas. Reduce or give up smoking and drinking. Take vacations at home. Personal: Select reasonably priced cosmetics and toiletries. Groom your own pet. Tips for Successful Budgeting Know what bills are due and when. A checking account will provide an easy way to pay bills and help you keep track of what you spend. Ask the electric and gas companies if you can get on their budget plan or average payment plan. Know how you spend your money. Get in the habit of keeping receipts. Categorize your expenses and look for ways you can economize. Plan for large, periodic expenses. Make a budget calendar showing the approximate amount of these expenses and when they re due Budget for regular maintenance and unexpected repairs. Adhere to a regular savings plan. Many financial advisors suggest saving 5% of your take-home pay. Always keep an emergency fund on hand. You need to have a nest egg. Plan ahead for major purchases rather than making impulsive decisions. Put together a seasonal inspection checklist for your home and car to prevent costly repairs in the future. Buy do-it-yourself repair books and videos for minor home repairs. Creditor Action Plan Sometimes folks get in trouble because they ignore government agency inquiries or creditor requests for information. Ignoring notices and bills only makes things worse. If you don t understand something sent to you, call the company that sent the bill. You have rights and protections. Learn what they are. Knowledge of these rights is essential in bargaining successfully for arrangements with creditors. Pay your bills on time. How you ve paid your bills in the past is usually the best indicator of how you ll pay in the future. Pay as much as you can, but always pay at least the minimum amount required by the date it is due on your account statement or invoice. Remember, being late on a payment is a negative mark on your credit report even if you make up the payments later or provide extenuating circumstances, such as job loss. Also, if you re late making payments, you may be charged a penalty fee. Check your mail carefully so that you can respond quickly if the creditor becomes impatient for payment. 11
12 Creditor Action Plan 1. Notify your creditors before you get behind. 2. Contact the court regarding child support or alimony payments. 3. Pay what you can. 4. Stay in touch with creditors. Step 1: Notify Your Creditors Before You Get Behind Take your creditor worksheet and determine what bills you are going to be able to pay. Then, notify your creditors before you get behind. This is important. Creditors are usually easier to work with when you let them know about your situation before a severe problem arises. When contacting creditors, tell them you want to work out a satisfactory arrangement for delaying, reducing, or refinancing payments until you return to work. Contact creditors in writing so that there is a physical record of contact to place in your file. The letter can be placed in your account file - a phone call may not be noted. Always include your account number, your phone number, and your address. Keep copies of your letters to creditors. Most libraries have coin operated copy machines if needed. A written record of responsible contact may also be important if legal problems emerge later. Try to type letters to creditors, but legible handwriting is just as good. Step 2: Contact the Court about Child Support or Alimony Payments If you are making child support or alimony payments under a decree of divorce but are unable to meet the payments due to unemployment or severely reduced income, contact the clerk of the divorce court and explain your situation. If possible, stay in touch with your ex-spouse to avoid unnecessary legal action. Failing to notify the court of your inability to pay can result in legal problems. Follow up with a written letter or explanation. If ordered to court, contact an attorney. Bring documentation (pink slip or lay-off letter from your employer or union) with you. Do your best to provide what support you can - and keep records. Missed child support payments must be made up. Talk to your ex-spouse or court officer about a repayment plan. Step 3: Pay What You Can Even if you cannot pay creditors the amount they want, make your best effort to pay something regularly. This holds arrears as low as possible and lets the creditor know that you are doing all you can. Partial payment may keep your account from being turned over to a collection agency. Step 4: Stay in Touch with Creditors After the initial contact, it s important that you keep in regular contact with creditors, say every two weeks. This reassures the creditor, shows a responsible attitude toward your obligation, and may keep the creditor from hounding you. 12
13 Sample Letter to Creditors Following is a sample letter to creditors. Include the name of the company you are writing and other information in the proper place. Dear : I am temporarily out of work due to (layoff, shut down, strike), and my income is severely cut. I am asking for your cooperation during this difficult period. Until I return to work, I need to cut back on all regular payments. I am proposing to pay $ to you for a temporary period, instead of the regular payment of $. This is the fairest thing I can do under the circumstances. When I return to work, I will work with you on a plan to catch up on my payments. Thank you for understanding. Signature Account Number Address Phone When a Bill Collector Comes Know Your Rights Concerning Collection Agencies The Fair Debt Collection Practices Act (FDCPA) governs the actions a third party collection agency can take when collecting a debt. It applies to personal, family and household debts. This includes money you owe for the purchase of a car, for medical care or for charge accounts. The FDCPA prohibits debt collectors from engaging in unfair, deceptive or abusive practices while collecting these debts. Under the Fair Debt Collection Practices Act (FDCPA): Debt collectors may contact you only between 8 a.m. and 9 p.m. Debt collectors may not contact you at work if they know your employer disapproves. Debt collectors may not harass, oppress or abuse you. Debt collectors may not lie when collecting debts, such as falsely implying that you have committed a crime. Debt collectors must identify themselves to you on the phone. Debt collectors must stop contacting you if you ask them in writing. If a debt collector violates the law, you may: Notify the Federal Trade Commission, (877) FTC-HELP, which supervises bill collectors. Sue for actual and punitive damages. 13
14 Contacting A Credit Bureau Sometimes problems with debt collectors can keep you from restoring your credit rating after you go back to work. You may want to contact a local credit bureau to review your credit record. Credit bureaus collect credit information about consumers for use by businesses to which consumers apply for credit. Credit bureaus can provide information only to: Creditors who are considering granting or have granted you credit. Employers considering you for employment. Insurers considering issuing you an insurance policy. Government agencies reviewing your financial status in collection with issuing you a license. Anyone else with a legitimate business reason, such as someone to whom you have applied for credit. If you contact the credit bureau, it must: Let you know the nature and substance of all information contained in a credit report. Inform you of the sources of its information. Provide you with the names of employers, creditors and others who recently have received reports about you. Reinvestigate within a reasonable time any information you dispute. If the credit bureau finds the information is: Inaccurate or cannot be verified, the information must be corrected or deleted. Accurate, the credit bureau must allow you to write a brief statement of dispute and include it in all future reports. The credit bureau must automatically delete: Information on a bankruptcy more than 10 years old. Other adverse information more than seven years old. If any deletion or notation is made: You may request that the new information be sent to: Any employer receiving information during the past two years. Any other person receiving a report during the past six months. If you believe a credit bureau or credit report user has violated the law, you may: Notify the Federal Trade Commission at 877-FTC-HELP (credit bureaus and many credit information users are under their jurisdiction). Sue for actual damages (including attorney s fees and costs). If someone improperly requests or receives information: If a person or firm knowingly requests information under false pretenses or if a credit bureau knowingly gives information to someone not authorized to receive it: 14
15 You may ask a U.S. county or district attorney to sue the unauthorized user or the credit bureau. The unauthorized user or the credit bureau may be fined up to $5,000 or imprisoned for up to one year. Credit Reports Know what s in your credit report. This is to be sure all your identifying information and accounts are correct. Review your credit reports at least once a year from each of the three crediting reporting agencies - Equifax, Experian, and TransUnion, as your credit report may vary from one company to another. Through the Federal Fair Credit Reporting Act (FCRA), consumers throughout the U.S. are able to ask for a free copy of their credit report once every 12 months from each of the credit reporting agencies (See Resources below for more information). If you ve been denied credit, you can also get a free report by following instructions in the written notice you received denying your credit. Resources Annual Credit Report Request Service at (877) , Equifax: (800) , Experian: (888) , TransUnion: (800) , NOTE: The Federal Trade Commission advises consumers to be sure to correctly spell annualcreditreport.com or to link to it from the FTC's website, This is to avoid other websites which offer supposedly free reports, but only with the purchase of other products. While consumers may be offered additional products or services at the authorized website, they are not required to make a purchase to receive their free annual credit reports. If You are Sued When negotiating arrangements with creditors for paying off your bills, remember that if you are unable to keep your payments up or if you owe property, the creditor can sue you to recover the amount of the bill. Some creditors are easier to work with than others. If you own property other than where you reside, the creditor s lawyers may come after it. They may even come after your home. If you have wages or income and have not made acceptable arrangements, your income may be garnished. This means money may be automatically deducted from your paycheck to pay off a debt. 15
16 A garnishment can only be done by order of a court. You have a right to be heard at a hearing before a garnishment may be ordered. You may avoid a garnishment if you can show the judge that you are doing the best you can. Public benefits of any kind cannot be garnished. Lawsuits and garnishments over bills usually occur when no effort is made by the debtor to take care of his/her responsibilities. If you are sued or summoned to court for garnishment, get an attorney. Call the Legal Aid or ask the Bar Association for a referral. Legal Assistance Orange County Bar Association Lawyer Referral & Information Service The Lawyer Referral & Information Service screens each call to determine if the caller should be referred to an attorney. Only callers in need of legal assistance and able to pay an attorney are referred to panel members. Callers unable to afford attorneys fees are guided toward community pro bono services or to attorneys in the LRIS Modest Means program which covers Bankruptcy, Consumer Law, Elder Law, Family Law, Housing (Landlord/Tenant) and Immigration. There is a $25 administrative fee, except for the area of Family Law. Clients must meet specific income guidelines to qualify. An LRIS Representative will do a brief screening by telephone. Attorneys may also require you to complete a form and attach income verification to confirm eligibility. Legal Aid Society of Orange County / Monday-Friday 9:00 am to 5:00 pm Bankruptcy Federal bankruptcy laws were passed to protect you and to allow for relief from most unsecured debts. Bankruptcy allows you to make a fresh start. It even allows you to protect most personal property and, under certain circumstances, some of your equity in your home. Bankruptcy is not desirable, but if you have staggering debts it may be an option. Bankruptcy, like any other legal matter, should be discussed with an attorney. Never take legal advice from anyone but an attorney. Federal law defines two methods of declaring bankruptcy: Chapter 7 - straight bankruptcy, for those without a current source of income. Chapter 13 - adjustment of debt, for people with income. 16
17 If You File for Chapter 7 Bankruptcy: Some assets and all your debt are turned over to the court. Some property is exempt. You are able to keep household furniture, appliance, most personal property, and a limited amount of home equity. The court liquidates your assets, if any, and divides the proceeds among your creditors. Your dischargeable debts (those to which bankruptcy applies) are erased. The information that you went bankrupt becomes part of your credit for ten years. You cannot file for bankruptcy again for six years. Legally, your financial slate is wiped clean. However, you may feel some psychological and social pressure in your community. Your future access to credit may also be limited. Remember: Not all of your debts can be discharged. You must still pay taxes, alimony and child support, claims for punitive damages for malicious acts, and student loans. If You File for Chapter 13 Bankruptcy: You will have a chance to pay debts back over an extended time period, usually three to five years. You will be protected against wage garnishment and collectors. You may not have to file straight bankruptcy. You may retain all property. You receive satisfaction for paying creditors. Again, certain types of debt are not affected by bankruptcy. These include debts whose payment is longer than the repayment plan, alimony, and child support, and debts you incur after filing with the bankruptcy court when approval from the bankruptcy trustee could have been obtained but was not. Resources Federal Trade Commission..877-FTC-HELP Orange County Bar Association Lawyer Referral & Information Service: (See the If You Are Sued p.15 for more information.) Consumer Credit Counseling Service of Orange County / Call to set up an appointment (See p.18 for local locations approved by the National Foundation for Credit Counseling). 17
18 Tips For Using Your Credit Card Wisely Don t use a credit card for a purchase unless the amount is within your monthly spending limit. Limit yourself to two or three cards. Pay off the balance in full each month. Always pay more than the minimum payment required. For large purchases, plan to pay off the amount in a maximum of three monthly installments. Do not consider the credit card an emergency fund. Save money for trips and use the card only for convenience and safety. Financial Literacy Programs & Credit Counselors Credit Counselor: Professionally trained to help you make and stick to a budget, suggest ways to reduce costs, and help you contact creditors. A credit counselor can help you sort out your financial affairs. Creditors appreciate your willingness to get professional assistance with your affairs and will usually cooperate to get you back on track. NOTE: Beware of private, for-profit consumer counselors - often linked with consumer finance companies or resources who want fees for service. Consumer Credit Counseling Service of Orange County / National Foundation for Credit Counseling or visit The following Orange County locations are also members of the National Foundation for Credit Counseling; for an appointment call unless otherwise listed: CCCS of Orange County, Inc Harbor Blvd., Unit E-6 Costa Mesa, CA CCCS of Orange County, Inc Old Tustin Ave. Santa Ana, CA CCCS of Orange County, Inc E. Lincoln Anaheim, CA Springboard Non-Profit Consumer Credit Management
19 28570 Marguerite Pkwy., Ste. 218 Mission Viejo, CA CCCS of Orange County, Inc. Brea Community Center, 695 Madison Way Brea, CA Salvation Army Family Services: Help for families including financial services. Anaheim: (Closed on Wednesdays) Santa Ana: Garden Grove: South County: Huntington Beach: For a list of additional organizations that offer Financial Literacy Programs please go to Managing Stress During difficult times, stress and panic can overcome us. Here are some steps you can take to reduce stress: Maintain as normal a schedule as possible, but don t overdo it; cut out unnecessary busyness and don t take on new projects. Allow time for activities than make you happy. Acknowledge that you may be operating below your normal level for a while. Structure your time even more carefully than usual it s normal to forget things when you re under stress. Keep lists and double-check any important work. Maintain control where you can make small decisions even if you feel like the issue is unimportant, or you don t care (it is important to maintain control in some areas of your life). Spend time with others, even though it may be difficult at first and it s easy to withdraw when you re hurt, but now you need the company of others. Establish support systems: family, friends, places of worship, school, coworkers, etc. Be aware that children are often unable to express their thoughts or feelings verbally; often they will act them out. Let your children know that you are there to listen if they want to talk be honest with them about your own thoughts and feelings. Avoid self-prescribed medication and addictive substances like drugs, alcohol, caffeine and nicotine controlled substances may reduce the perception of stress, but they do not minimize anxiety. Find the help you need; even if you feel as though you are alone and no one can help, don t let your feelings of anger and loneliness build, reach out for support. 19
20 Recognize and deal with your stress counseling or a support group can help (See Counseling Services p.21). Give yourself time you may feel better for a while, and then have a relapse. This is normal; allow plenty of time to adjust to the new realities you must face. Keep a strong, positive attitude about yourself and your future. Unemployment is bad enough for single workers. But loss of work is particularly frightening for those with families depending on them. It s hard to tell your family about job loss because we all take pride in providing. But talking to your family is an important step in the process of weathering unemployment. Your spouse and children may feel as helpless as you do. Talk out your problems and plan together. Children generally sense tension at home. Explain your unemployment situation to them and include them in developing your plans to deal with it. Older children tend to get a sense of belonging and closeness when you confide in them. They usually respond by understanding and wanting to do their part for the family. Plan and work together to reduce household costs. Each member can help the family make it through hard times. Children can help reduce financial pressure on parents by delaying requests for expensive extras. By taking a part-time and/or weekend job, teenagers can reduce financial pressure on parents. It enables each member of the family to take positive steps to help. A first big step in keeping a positive attitude is to recognize the natural feelings of depression, fear, anger, and helplessness. If you recognize feelings, you can overcome them. Taking stock of the good things in your life - family, friends, and skills is important to improving your outlook. Anger, fear, and anxiety about money are probably the most powerful sources of stress. Too much stress is dangerous for your physical and mental health, and it can add to the difficulties of being out of work. Besides, stress makes it hard to maintain a positive attitude. Stress also makes it harder to take the actions needed to make it through these tough times. Again, the important thing is to recognize stress. If you can recognize stress, you can control it and learn to relax and think clearly. 6-Step Stress Control Program alk about your problems with someone close to you. 2. Meet for support and understanding with fellow employees who share your situation. Exchange job search information and tips. 3. Work off frustration through exercise and sports. Exercise is a great stress reducer. 4. Escape for a while by enjoying a relaxing activity. 5. Avoid overeating, and try to eat healthy foods. 6. Spend time with your family. Do things together as often as you can. 20
21 Volunteering to Reduce Stress Volunteering is a great way to reduce stress, enhance and develop job skills, help others, and even find networking opportunities. United Way lists volunteer opportunities at Counseling Services When you experience difficult times in your life, feelings such sadness, anger, depression, fear or lack of energy are natural and usually temporary. If these feelings grow or do not go away, you may do well to get professional help. There are excellent family counseling agencies or mental health centers, both private and nonprofit that can help you relieve your stress. They provide a wide variety of counseling services including family, marital, personal, alcohol and drug abuse counseling. Some agencies in Orange County which provide comprehensive counseling services include: Mental Health Association of Orange County Jewish Family Service of Orange County or Catholic Charities of Orange County, Counseling Center SOS (Share Our Selves) Crisis Intervention Hotlines If you are in crisis, call They will refer you to the appropriate crisis intervention service. Below are some additional organizations that might be able to help. California Abuse Registry Rape Hotline or For Victim Assistance programs call or see Runaway Hotline (To report missing or mistreated children) National Runaway Switchboard (Assistance for Runaways). 800-RUNAWAY 21
22 Suicide Prevention Hotline California Youth Crisis Line Domestic Violence Hotline / For the deaf: TTY Suicide Prevention Center Resources for Children and Families: Orange County Youth & Family Services Pepperdine Community Counseling Straight Talk Clinic (Counseling Services) Turning Point Center for Families- Santa Ana (Primarily Counseling Services) Resources for Elderly Orange County Council on Aging-Ombudsman Services Program Office on Aging Information Line / / TDD: Call this line for information/referrals regarding opportunities and services in Orange County or visit Orange County Alzheimer's Association Hotline For more information, please see a list of Orange County United Way s Funded Programs & Partnerships at Drug and Alcohol Counseling National Council on Alcoholism & Drug Dependence For referrals and drinking and driving programs both court ordered and preventative. 22
23 Alcohol and Drug Abuse Services ochealthinfo.com/behavioral/adas/index.htm Call for referrals and information about their programs. Alcoholics Anonymous Referrals Accessing Healthcare Ask your employer about COBRA benefits. If you have been laid off and had medical benefits while you were employed, you may be eligible for COBRA benefits. COBRA is an extension of your medical coverage for a specific period of time in which you are personally responsible for paying the premiums. The American Recovery and Reinvestment Act (ARRA) will subsidize payments to continue medical benefits under COBRA for a period of nine months. This premium reduction applies to periods of health coverage beginning on or after February 17, 2009 and lasts for up to nine months for those eligible for COBRA during the period beginning September 1, 2008 and ending December 31, 2009 due to an involuntary termination of employment that occurred during that period. Eligible individuals pay only 35 percent of their COBRA premiums and the remaining 65 percent is reimbursed to the coverage provider through a tax credit. For Frequently Asked Questions for employees, answered by the United States Department of Labor see: COBRA Continuation Health Coverage COBRA Premium Reduction Under ARRA Also, call toll free to speak to a Benefits Advisor from the Employee Benefits Security Administration of the US. Department of Labor or visit Compare individual health insurance plans. Start this process before you run into a situation where you are forced into getting a new policy right away. If you lose your job and you can exercise COBRA rights to retain your current employer s health insurance policy, if you can, do so. Even if you think you might be able to buy coverage at lower expense under an individual policy, COBRA can offer you protection while you are choosing. Take care of important medical issues. If you need significant medical care, do it now, while you are still employed and insured. Explore other sources of coverage. If you have a spouse that is still employed and eligible for benefits, check with their employer to see if you and your family can apply for medical benefits 23
24 under their plan. You do not need to wait for open enrollment to apply for benefits as loss of a job in the family is a qualifying event. Medical Care Coverage For a list of several free and low cost clinics in Orange County visit: California Prescription Card Apply and print out card from This card helps you receive the lowest cost prescription. The initiative was first aimed at the uninsured and underinsured, but can also be used by those whose health plans offer little or no drug benefits. Health/Dental Care Providers County of Orange Family Health Clinic Appointment Center Appointments such as Pregnancy Testing, Adolescent Physicals, Birth Control, Child Health Clinics, Child Health Physicals, and a Pediatric Ambulatory Clinic. Family Health Clinic Appointment Line Health Referral Line TDD for the hearing impaired Orange County Healthcare Agency Orange County Immunization Clinic For more information please see a list of Orange County United Way s Funded Programs & Partnerships at Additional Resources Orange County Social Services (For CalWorks: Medical, Food Stamps, Cash Aid) Medical Care Coverage for Children Children s Health Initiative of Orange County Children s healthcare primary enrollment assistance resource in Orange County. Call for an appointment or visit their website for enrollment locations. California Children s Services California Children Services Program (CCS) provides medically necessary care and case management to eligible infants, children, and adolescents under the age of 21 who have certain physical limitations, chronic health conditions, or diseases. Eligible services include hospitalization and in-home nursing care. 24
25 Child Health and Disability Prevention...Call the Health Referral Line at or TDD for the hearing impaired The Child Health and Disability Prevention (CHDP) is a federal and state preventive healthcare program that provides free health check-ups for infants, children, teens, and young adults in low-income families. CHDP helps identify and prevent health problems, links children with treatment, education and support services when needed and encourages families to seek preventive healthcare. AIM- Access for Infants & Mothers The AIM Program is low-cost health care coverage for pregnant women. AIM is for middleincome families who don t have health insurance and whose income is too high for no-cost Medi-Cal. AIM is also available to those who have health insurance if their deductible or copayment for maternity services is more than $500. If you are enrolled in AIM, your baby is eligible for enrollment in Healthy Families unless your baby is enrolled in employer-sponsored insurance or no-cost Medi-Cal. Medi-Cal / Medi-Cal is a federally and state funded program that provides eligible individuals and families with medical, dental and vision coverage, as well as prescription coverage and emergency care. This program is available to California residents who meet federal income and eligibility guidelines, those who are over 65 and some disabled. Healthy Families / CalOptima Healthy Families Enrollment Line Healthy Families is the State Children s Health Insurance Program (SCHIP). This program provides qualified Californians with prescription drug coverage and medical, dental, vision and emergency care. It is available to California residents, ages 18 and under in families with incomes of up to 250% FPL, who meet federal eligibility guidelines, do not have insurance and who do not qualify for no-cost Medi-Cal. If a mother is enrolled in AIM, her baby is eligible for enrollment in Healthy Families Program unless the baby is enrolled in employer-sponsored insurance or no-cost Medi-Cal. A parent must register for their baby to be covered. Healthy Kids Program...For availability, contact Children s Health Initiative at or CalOptima Healthy Kids is a privately funded insurance program that provides low-cost, comprehensive health, dental and vision coverage for children ages 0-18, who are not eligible for the state sponsored programs (Medi-Cal and Healthy Families) due to eligibility or income status. All children regardless of immigration status may apply for coverage. 25
26 CalKids CaliforniaKids (CalKids) is a nonprofit health insurance program for children who are ineligible for no-cost Medi-Cal or Healthy Families. CalKids provides preventive and primary health care, dental and vision care, to all eligible children regardless of immigration status. Children ages 2 through 18 are eligible if their family s income is below 250 percent of the federal poverty level. Limited availability, call to see what counties they currently are accepting applications from. Kaiser Permanente Child Health Plan Kaiser Permanente Child Health Plan provides low-cost comprehensive healthcare coverage to children ages 0-18 who do not qualify for no-cost Medi-Cal or Healthy Families. For more information please see a list of Orange County United Way s Funded Programs & Partnerships at Housing Assistance Our homes are the most important part of our lifestyle - and usually our largest single investment and asset. Let s look at how to hang on to the house when the paycheck stops. Mortgage Action Plan Understand the terminology. 2. Contact the mortgage holder before you get behind. 3. Seek advice on repayment alternatives. 4. If you have a federally insured mortgage, contact the insuring agency. 5. Apply for housing assistance through the Emergency Food and Shelter Program EFSP. 6. Check other agencies for assistance. 7. Consider equity sharing. Step 1: Understand the Terminology. First, make sure you understand the terms involved. Default - A mortgage is in default when more than one payment is due but unpaid. Mortgage contracts generally allow for foreclosure to start when a default exists, though most lenders will not act that quickly. Delinquent Payment - A mortgage payment not made by the day it is due. Early Payment - A mortgage payment made before it is due. (NOTE: Making payments early doesn t necessarily mean that you won t be required to make payment on your regular monthly schedule. Check with your mortgage holder before making early payments.) Equity - The value of your property minus what you still owe on it. Forbearance - An oral or written agreement to repay the delinquency over a period of time so that the loan payments can be brought up to date. Foreclosure - The process by which the lender takes over your property when you fail to meet the terms of your mortgage. 26
27 Late Charge - A fee, charged by your lender, to help pay for the added work of collecting late payments. Payment of the fee, however, doesn t give you the right to pay late repeatedly. Repeated late payments are a violation of your contract with the lender. Section 8 - A government program providing private housing for low-income families by subsidizing (helping to pay for) rents. The amount of rent assistance is determined by your income. There almost always is a significant waiting list (six months to over year) for Section 8 housing. So get your name on the waiting list! Step 2: Contact the Mortgage Holder Before You Get Behind. If you belong to an employee credit union, you may be able to get a small personal loan to cover several mortgage payments. Generally, a lender does not want to foreclose on a mortgage. It takes time, and money may be lost in selling the property at public auction, particularly if the local housing market is weak. Call or visit the mortgage company and ask to speak to someone in the mortgage servicing department. Identify yourself by name and loan number. Explain your situation and ask whether a reduced payment plan can be worked out until you return to work. Take notes of the conversation and get the representative s name. In future calls, try to stick with that representative. Follow up your call with a letter and keep a copy. Be sure your letter includes: The complete address of the property A phone number where you can be reached An explanation of your situation A request for immediate response. Keep all correspondence from your mortgage holder in one place so that you can find it when you need it. NOTE: Even if you re already behind on mortgage payments, follow the step above. Step 3: Seek Advice on Repayment Alternatives. Your bank, legal services, an attorney, a knowledgeable mortgage agent for another firm or other qualified professional may advise you about various repayment alternatives. Some of the alternatives they may suggest: Temporary forbearance Extending your loan Refinancing Selling, even if the market is depressed and a penalty is imposed because you paid off the mortgage early. 27
28 Voluntary surrender of the property to the lender instead of foreclosure. Bankruptcy. A decision to sell, for example, must be made early. While the decision to sell may be difficult, a quick decision may mean the difference in getting any of your equity (the difference between the market value of your house minus the amount you still owe) out in cash. Once foreclosure begins, you may not be able to sell. Property may not be sold once foreclosure is initiated. Voluntary surrender (handing over the property to the lender rather than having the lender foreclose) is sometimes a less harmful option if you have little equity in the home. You lose the equity, as you would by foreclosure, but you avoid having a foreclosure on your credit record. If you have not been making payments on the house for very long (two to three years or less) this may be an attractive alternative to foreclosure. Avoid foreclosure, if possible. If a large number of conventional (those not guaranteed by the government) mortgages are held by a local lending institution, the union may approach the lending institution about packaging a forbearance arrangement for all the mortgages of members involved in the layoff or shutdown. Step 4: If Your Mortgage is Federally Insured, Contact the Insuring Agency. Federally insured mortgages, such as FHA, HUD, FmHA or VA, have special provisions for helping families in trouble. These special provisions which are particularly attractive on FHA/HUD mortgages may extend the period before foreclosure, grant liberal repayment schedules or even result in the government agency buying out the lender. Forbearance means that, rather than foreclosing, the lender or guaranteeing agency takes into account your situation and works out a plan to help you keep the property. If you have any form of government-insured mortgage, it is extremely important that you learn what forbearance provisions are available to you by contacting the forbearance counseling department at the insuring agency (FHA, HUD, VA or FmHA) in your area. Step 5: Apply for Housing Assistance through FEMA. In areas with high poverty or unemployment rates, the Federal Emergency Management Agency (FEMA) provides funding for small grants through local community agencies for one-time assistance with a rent or mortgage payment. In most communities, the United Way is the place to start, even though the agency dispensing FEMA funds is usually a housing or community action agency or the Salvation Army. To qualify for a FEMA grant, you must meet individual agency eligibility requirements, which generally are pegged to your current financial and employment status. Sometimes grants are earmarked for the elderly or handicapped. Grant amounts often are small, based on FEMA s limited funds. 28
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text:
@RazorbackVB Loses to #6 Florida on Senior Day
FAYETTEVILLE, Ark. – The University of Arkansas volleyball team closed out its 2014 home schedule Sunday afternoon with a four-set loss to No. 6 Florida on Senior Day at Barnhill Arena. Following the match, the Razorbacks recognized the careers of outside hitter Meredith Hays and team manager Brittney McCone. With Sunday's result, Arkansas enters the final week of the regular season with a 14-15 overall record and an 8-8 mark in SEC play.
Playing in her final match in front of the home crowd, Hays had 10 kills against the Gators and finished just one dig shy of her 12th double-double of the season. The Hereford, Texas, native is now just 14 shy of becoming just the eighth player in program history to record 500 kills in a single season. She would be the first to do so since the 2007 season. Hays now has double-digit kills in 27 of 29 matches during her senior campaign.
With her eighth assist of the match, freshman Bailee Hankenson became just the sixth Razorback setter to record 1,000 assists in a single season and the second freshman (Tina Rico, 1994) to reach that mark. She joins the short list that also includes Rico, Evgeniya Rangelova, Raymariely Santos, Roberta Tarnauskaite and Ning Zhao. Hankenson finished the match with 30 assists, four digs and two blocks.
Kori Ortiz made her first career start at libero in Sunday's match against Florida (23-3, 17-0 SEC) and led all players with a season-high 16 digs behind the Arkansas block. Holly Hankenson was third on the team with eight digs. Chanell Clark-Bibbs and Liz Fortado tied for the team lead with three total blocks. The two combined for the game-winning block in the first set.
Arkansas played point-for-point with the sixth-ranked Gators to begin the match and trailed by one at the media timeout in the first set. A service ace by Monica Bollinger gave the home team a 22-20 lead late in the set and Hankenson gave the team its first of three set points with a second-touch kill. After a kill by Ana Sofia Jusino set up the third opportunity, Clark-Bibbs and Fortado clinched the opener with a block.
The Razorbacks close out their regular-season schedule with a pair of road matches next week at Tennessee and No. 15 Kentucky. Wednesday's match with the Lady Vols will be televised by the SEC Network with a first serve of 5 p.m. (CT) at Thompson-Boling Arena in Knoxville. It will be Arkansas' seventh appearance on the SEC Network this season.
#6 Florida 3, Arkansas 1 (25-27, 25-12, 25-20, 25-19)
Time: 2:01 | Attendance: 657
Fayetteville, Ark. | Barnhill Arena
• Stat Leaders vs. #6 Florida
o Kills: 10 – Meredith Hays
o Digs: 16 – Kori Ortiz
o Blocks: 3 – Chanell Clark-Bibbs, Liz Fortado
• Milestone Watch:
o Bailee Hankenson: sixth setter in program history to record 1,000 assists in a single season
o Meredith Hays: 14 shy of becoming eighth player in program history with 500 kills in a single season
• Next match: Nov. 26 at Tennessee in Knoxville
o First serve at 5 p.m. (CT) on SEC Network
o Seventh appearance on SEC Network this season
For more information on Arkansas volleyball, follow @RazorbackVB on Facebook, Instagram and Twitter.

subset: commoncrawl


text:
Chloe is an 9-year-old golden retriever. She loves going to the dog park to play with all the people, going on walks, and sleeping. While she prefers constant attention over food, she goes crazy for snausages.
The Cutest Puppy
Lotus is a 1 year old Golden Retriever/Poodle Mix. Such a sweet personality.
I am a ball full of energy who loves to chew just about everything from sticks to stinky shoes. I adore my big sister Gabbie, who is also a Golden Retriever, because she wrestles with me. My baby pool makes a wonderful treat for a hot summer day and I like to bite at the water coming out of the sprinkler. Nap time is my favorite time of day as I plop down in front of the fan.
Moose is a 9 month old mini goldendoodle living in Vermont. He loves to hike, swim, and play with his best puppy friend Harvey, but his true love is the snow! Follow him and his adorable antics at @mooseboyer!


text:
EFII - My Quest 01
digital painting
A few weeks back Thomas James from Escape from Illustration Island contacted me and invited me to write guest posts for his wonderful site. So I will be sharing my experiences and ventures in my quest to get an Art Rep with a broader audience. I'm so excited! Here is my first post.
Please check back regularly as I will be posting the links here every time they get publish. And once you are at the EFII website, don't be shy, leave a comment and check the great resources and information they have.
February 06, 2010
Good News! - sharing "My Quest"
Posted by LittleMissMachete
Labels: art rep, EFII, illustration, littlemissmachete, quest to get an art rep
3 comments:
- nella gatica said...
guauuuuuuuuuu TU TRABAJO ME ALUSCINA!!!
I LOVE YOUR WORK is AMAZING!!!
- 9:42 am
- Alexiev said...
Great humour...
Best wishes from Buenos Aires...
Proyectos - Illustrations
Alexiev Store - venta de originales
- 1:40 pm
- Kidchuckle said...
thats a great article.
were you able to make more progress on it? (part 2?)
- 7:39 pm
Subscribe to: Post Comments (Atom)


text:
Το νέο single της Nicki Minaj έκανε πρεμιέρα.
«Only» ονομάζεται το νέο single της Nicki Minaj από το νέο της άλμπουμ «The Pink Print». Μαζί με την femcee ο Drake, ο Lil Wayne και ο Chris Brown!
Το «Only» είναι το τρίτο single του άλμπουμ, (θα αργήσει λίγο μιας και η νέα ημερομηνία κυκλοφορίας ορίστηκε στις 15 Δεκέμβρη) μετά τα «Pills n Potions» και το «Anaconda». Το beat ανήκει στους Dr. Luke, Cirkut, και J Mike, που δίνει στους «4 φανταστικούς» την Urban βάση για να ρίξουν τις ρίμες τους.
Ακούστε το:
Yo, I never fu–ed Wayne, I never fu–ed Drake
All my life man, f–k's sake
If I did I did a menagerie with 'em and let him eat my a** like a cupcake
My man full, he just ate, I don't duck nobody but tape
Yea, that was a set up for a punchline on duck tape
Worried bout if my butt's fake
Worried 'bout John's singing us Drake
These girls are my sons, John and Kate plus eight
When I walk in, sit up straight, I don't give a f**k if I was late
Dealing with my man on a G5 is my idea of an update
Hut one, hut two, big bitties, big butt too
Up with them real n****s
Who don't tell n****s what they up to
Had to show b*****s where the top is
Ring finger where the rock is
These hoes couldn't test me even if the name was pop quiz
Bad b*****s who I f**k with, mad b*****s we don't f**k with
I don't f**k with them chickens unless they name was cutlet
Let it soak in like seasonin', and tell 'em blow me, Lance Stephenson
[Hook: Chris Brown]
Raise your bottle and cup in the sky
Sparks in the air like the fourth of july
Nothing but bad b*****s in here tonight
Oh if you lame and you know it be quiet
Nothing but real n****s only, bad b*****s only
Riches n****s only, independent b*****s only
Boss n****s only, thick b*****s only
I got my real n****s here by my side, only
[Verse 2: Drake]
I never f****d Nicki cause she got a man but when that's over I'm the first in line
And the other day in her Maybach I thought God Damn, this is the perfect time
We had just come from that video, you know LA traffic, how the city slow
She was sitting down on that big butt
But I was still staring at the t-tties though
Yeah, lowkey it may be high key
I been peeped that you like me you know
Who the f**k you really wanna be with besides me
I mean it doesn't take much for us to do this s**t quietly, I mean
She say I'm obsessed with thick women and I agree
That's right I like my women bbw
Type to wanna suck you dry and then eat some lunch with you
So thick that everyone else in the room is so uncomfortable
A** on Houston Texas but the face look just like Clair Huxtable
Oh, yeah, you the man in the city when the mayor f**k with you
The nba players f**k with you
The bad a** b*****s doing makeup and hair f**k with you
Oh, that's cause I believe in something not staying for it
And Nicki if you ever tryna f**k just give me the heads up so I can plan for it
[Verse 3: Lil' Wayne]
I never f****d Nicki and that's f****d up
If I did f**k, she'd be f****d up
Whoever is hittin' ain't hittin' it right
Cause she actin' like she need d**k in her life
That's another story, I'm no story teller
I [?] greatness like gold and jello
All my goons so overzealous
I'm from Holly Groove, the holy Mecca
I got money for days, as [?] but I'm stuck in my ways
My girl from [?] if she wave
Baby and I f****d with her [?]
My eyes are so bright, I take cover for shade
Don't have my money? I take mothers instead
You got the hickups you swallowed the truth
Then I make you burp boy, [?] beef eat like sirloin
I'm talkin' bout runnin' in houses with arm and guns
So think about your son and daughter rooms
Got too much [?] they got smaller guns
Ain't thinkin' bout your son and daughter rooms
This is just crazy my n***a, I mean brazy my n***a
That money talk, I just rephrase it my n***a
Blood gang take the B, I'll behave ya
I'm [?] for reals
If you mouth off, I blow your face off
I mean pop-pop-pop, take your face off
Now you see me, now you don't
Like Jamie Foxx, acting like Ray Charles
16 in a clip, one in the chamber
17 [?] with 17 bullets
My story is how I went from poor me
To police pour me a drink and celebrate with me
[Hook: Chris Brown]
Raise your bottle and cup in the sky
Sparks in the air like the fourth of july
Nothing but bad b*****s in here tonight
Oh if you lame and you know it be quiet
Nothing but real n****s only, bad b*****s only
Riches n****s only, independent b*****s only
Boss n****s only, thick b*****s only
I got my real n****s here by my side, only


text:
Not the 'Late' Simple KapadiaApril 3rd, 2010 - 12:38 pm ICT by Sampurn Wire
April 3, 2010(Sampurn Wire): Dimple Kapadia's deceased sister Simple, who was doing her star-sister's costumes in Tum Milo Toh Sahi until she was too unwell, is credited in the film for her work. But, not as a posthumous presence.
"I haven't credited her as the "Late' Simple Kapadia. For us who were among the last fortunate folks to have spent time with her, she never went away. Her laughter and her joie de vivre remain with us. Though Pooja Chabria took over Dimple's clothes after she was unwell Simple would was still a part of the whole procedure," says director Kabir Sadanand emotionally.
Kabir didn't allow any pictures to be taken when Simple would come to the sets, "I didn't want the world to see her in a wheelchair. Even though she was ill she insisted on coming to the sets and spending time with us. When we'd ask about her health she would turn around and say, "Who's ill around here?' Her spirit carried us forward to the end of the film."
Director Kabir Sadanand who was making Tum Milo To Sahi right at the time when his leading lady Dimple Kapadia was facing the worst crisis of her life.
Her sister Simple was dying.
Kabir tells us, "Not once did Dimple bring her grief to the sets. Not once did we get to feel the enormity of her suffering. Every day she was in and out of the hospital and on the sets on time ready to face the camera."
Even when Simple was gone the show went on.
"Dimple doesn't believe that the world needs to know about her suffering. She internalized all the pain that she felt about Simple's condition," says Kabir.
-Subhash K Jha/ Sampurn Wire
- Simple Kapadia, not 'late' for "Tum Milo..." crew - Apr 03, 2010
- Dimple's look in 'Tum Milo...' styled by late sister (With Images) - Mar 22, 2010
- Dimple Kapadia is the most passionate newcomer I have met that not even for a second could I feel that she is a big star-Kabir Sadanand - Apr 02, 2010
- I think it is very important for any actor to struggle before he or she is able to get a break - Dimple Kapadia - Apr 01, 2010
- I need good scripts and directors: Dimple Kapadia - Apr 02, 2010
- If only my Dad, Sharukh Mirza, who had discovered Isha Koppikkar, was alive today, My career would have charted a different course -- Rehan Khan - Mar 29, 2010
- Akshay Kumar should get national award: Dimple Kapadia - Mar 30, 2010
- The Secret of Dimple's Ageless Beauty is Poker! - Apr 01, 2010
- Tum Milo To Sahi (2010) - Apr 02, 2010
- I relate to my character in 'Tum Milo...': Anjana Sukhani - Mar 28, 2010
- When Bollywood actors went de-glam and geeky (2010 in Retrospect) - Dec 22, 2010
- 'Tum Milo Toh Sahi' about timeless love (IANS Preview) - Mar 30, 2010
- Nana gives me a complex, Rishi an atom bomb: Dimple Kapadia (Interview) - Mar 25, 2010
- Rajesh Khanna unwell, stops food intake - Jun 20, 2012
- Dimple Kapadia's 'Tum Milo Toh Sahi' to release in January (With Images) - Nov 20, 2009
Tags: clothes, costumes, deceased sister, dimple kapadia, enormity, film director, grief, Health Science, laughter, leading lady, presence, right at the time, sahi, simple kapadia, spending time, spirit, subhash k jha, suffering, unwell, wheelchair


text: While we get to see an alley-oop dunk from LeBron James in pretty much every game he plays, usually connecting with Dwyane Wade as his assist man, sometimes it's a bit more special than usual. Maybe it's beating the New York Knicks at Madison Square Garden, maybe it's being a one handed dunk. Whatever it is, it was special. More


text:
Speed Dial: Realistic Thumbnails
Mikka last edited by
it seems vivaldi inherited the chrome philosophy, which is: all extensions are disabled when retrieving the content of a speed dial web page for thumbnail generation. this means if you use adblock, the speed dial thumbnail will still be generated by bypassing adblock. for many websites this leads to the problem, that the most part of a speed dial thumbnail is covered by ads. they just look nothing like the page you see if you select that speed dial entry.
it would be great if you could either
load the page without circumventing active extensions or
allow the user to set an own thumbnail picture, e.g. a screenshot of the page as he sees it when he enters it with extensions activated
The latter has been requested already and I think it's a matter of time before we get that. But before then, there is an easy workaround for this (apart from using third-party tools and messing with Vivaldi files). Instead of adding the bookmark directly from the Speed Dial page, add it using the bookmark button in the address field (when visiting the page you want to add as your Speed Dial). This way Vivaldi will take a screenshot of the page in it's current state (after applying all extensions directives) and it should be saved as the thumbnail of your Speed Dial item.


text:
Cable Lobbyists Stop Using The Word Cable In Hopes You'll Think Industry Has Evolved
from the song-remains-the-same dept
That's why it's more than a little amusing to see the NCTA announce this week that it's eliminating the word "cable" from its branding and overall vernacular, apparently as an attempt to modernize the cable sector's image in the Netflix age. According to a statement by the NCTA, the migration away from even using the word cable (despite coaxial very much remaining in use) is a reflection of "how the marketplace is no longer defined by silos of the past." This is how former FCC boss turned top cable lobbyist Michael Powell explained the shift:
"Just as our industry is witnessing an exciting transformation driven by technology and connectivity, NCTA's brand must reflect the vibrancy and diversity of our members," Powell said. "While our mission to drive the industry forward remains the same, our look now reflects a renewed proactive and energized spirit."And by "driving the industry forward," Powell of course means supporting initiatives that do the exact opposite.
Most recently that has included using a massive sound wall of disinformation (including some help from the US Copyright Office and the likes of Jesse Jackson) to demonize attempts to bring competition to the cable box. The NCTA has also been busy working overtime to derail the FCC's attempt to apply some relatively basic privacy protections to the cable sector, has also supported protectionist state laws that hinder broadband competition, and has even fought raising the base definition of broadband to 25 Mbps. "Proactive and energized," indeed.
And while the cable industry is quick to argue it's facing more direct competition than ever before, the reality is notably different. As AT&T and Verizon give up on unwanted DSL customers, it's creating a stronger cable monopoly than ever before in many areas. As cable providers consolidate and their telco competitors crumble, cable is seeing 99% of the broadband net additions each quarter. The end result is a cable industry that intends to take full advantage of this lack of competition to impose draconian usage caps on consumer broadband connections in the hopes of thwarting Internet video competitors like Netflix.
All told it's going to take a lot more than a vernacular change to shift consumer and cross industry perception away from the reality that the cable industry -- and specifically the NCTA -- is an anti-consumer, anti-innovation, antiquated turf protection machine.


text:
Skip to Main Content
Calendar of Events
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Prince George's County
Dinosaur Park
Research and Collections
Cretaceous Maryland
Cretaceous Maryland
115 million years ago, Prince George's County was a flat coastal plain with winding rivers. The environment probably resembled parts of southern Louisiana today. Sharp bends in the rivers became detached and formed lakes or swamps called oxbows. Dinosaur Park is a remnant of one such oxbow. When the river flooded, debris flowing downstream, including dead plants and animals, would be deposited in and around the oxbow. There they became entombed in clay and became the fossils we find at Dinosaur Park today.
Climate Clues
Animal and plant fossils tell us what sort of organisms lived in Cretaceous Maryland, but they also provide important clues about the prehistoric climate. For example, some of the most common. fossils at Dinosaur Park are crocodile teeth and armor fragments. Modern crocodiles are ectothermic ("cold-blooded"), meaning that their body temperature is dependent on the air around them. This means that crocodiles can only live in areas without long periods of freezing temperatures. Since crocodiles were plentiful in ancient Maryland, the climate must have been warm and subtropical, similar to southern Louisiana where crocodilians live today.
Learn more about Cretaceous Maryland at the Smithsonian Museum of Natural History's Backyard Dinosaurs online exhibit.
Dinosaurs of Maryland
Climate and Environment
Dinosaur Park in Deep Time
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