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Dodd and Frank asked to repeal FinReg FOIA exemption

The Sunlight Foundation joined ten organizations today in expressing concern over a provision of the Wall Street Reform and Consumer Protection Act that may hinder the public’s access to SEC oversight information. The full text of the letter and list of signatories is below and on POGO’s website. I wrote about Sunlight’s concerns on Sunday, which focus on FOIA exemptions and subpoena compliance carve-outs.

Thus far, two bills have been introduced in Congress to respond to the perceived lack of transparency in the FinReg bill.

First, Representative Paul introduced HR 5970,  which focuses specifically on undoing section 929I, which contains the provision in question.

Second, Reps. Issa, Towns, and Bachus introduced HR 6038, which establishes data standards for a wide variety of entities affected by the FinReg bill.

August 3, 2010

Senator Christopher Dodd Chairman Senate Committee on Banking, Housing and Urban Affairs 534 Dirksen Senate Office Building Washington, D.C. 20510

Representative Barney Frank Chairman House Committee on Financial Services 2129 Rayburn House Office Building Washington, D.C. 20515

Dear Chairmen Dodd and Frank:

We, the undersigned organizations concerned with government accountability and transparency, are writing to express our concerns about Section 929I of the recently passed Dodd-Frank Wall Street Reform and Consumer Protection Act (the Dodd-Frank Act). If interpreted broadly, this provision has the potential to severely hinder the public’s ability to access critical information related to the oversight activities of the Securities and Exchange Commission (SEC), thereby undermining the bill’s overarching goals of more transparency and accountability.

As you know, Section 929I states that the SEC cannot be compelled to disclose records or other information obtained from its registered entities—including entities such as hedge funds, private equity funds, and venture capital funds that will now be regulated by the SEC—if this information is used for “surveillance, risk assessments, or other regulatory and oversight activities” outlined in the Securities Exchange Act of 1934, the Investment Company Act of 1940, and the Investment Advisers Act of 1940.[1]

SEC Chairman Mary Schapiro wrote to you last week defending this provision. She argued that registered entities need to be able to provide the SEC with access to sensitive or proprietary information “without concern that the information will later be made public.” She further explained that, prior to the passage of the Dodd-Frank Act, “regulated entities not infrequently refused to provide Commission examiners with sensitive information due to their fears that it ultimately would be disclosed publicly.” She also claimed that investment advisers routinely refuse to turn over personal trading records of investment management personnel, “instead requiring staff to review hard copies of the records on the adviser’s premises,” which “materially impacts the staff’s ability to detect insider trading activity.”[2]

These arguments do not adequately describe the SEC’s existing regulatory authority, and they fail to acknowledge that the Freedom of Information Act (FOIA) already provides sufficient exemptions to protect against the release of sensitive and proprietary information. Furthermore, the SEC has a troubling history of being overly aggressive in withholding records from the public. For these reasons, we strongly urge you to repeal Section 929I, or to at least curtail the SEC’s broad authority to withhold critical information from the public.

First, we are not convinced by Chairman Schapiro’s claim that “existing FOIA exemptions were insufficient to allay concerns [about public disclosure] due in part to limitations in FOIA.” For instance, Exemption 8 protects matters that are “contained in or related to examination, operating, or condition reports prepared by, on behalf of, or for the use of an agency responsible for the regulation or supervision of financial institutions.” Chairman Schapiro argues that this exemption may not apply to all registrants, but it’s worth noting that the courts have broadly construed the term “financial institutions,” holding that it is not limited to depository institutions and can also include investment advisers.[3] In addition, Exemption 4 protects “trade secrets and commercial or financial information obtained from a person [that is] privileged or confidential.” The Department of Justice’s (DOJ) FOIA guide states that this exemption “encourages submitters to voluntarily furnish useful commercial or financial information to the government and it correspondingly provides the government with an assurance that such information will be reliable,”[4] calling into question Chairman Schapiro’s claim that additional exemptions are needed in order for the SEC to collect information from its registered entities.

Second, the SEC’s track record with FOIA raises additional concerns about giving the agency even more authority to withhold information from the public. Last year, an audit conducted by the SEC Office of Inspector General (OIG) uncovered a wide range of problems related to the SEC’s FOIA operations. We were particularly troubled by the OIG’s finding that the SEC Chief FOIA Officer was not operating in compliance with Executive Order 13392 or the OPEN Government Act; that few FOIA liaisons have written policies and procedures for processing FOIA requests, increasing the risk that the agency is unnecessarily withholding information from the public; and that there is an insufficient separation between the initial FOIA determination and the appeal process. The OIG concluded that the SEC’s FOIA release rate was “significantly lower when compared to all other federal agencies.”[5]

The OIG put forth a number of recommendations for correcting the glaring deficiencies in the SEC’s FOIA operations, such as ensuring that accurate searches are made for responsive information, providing guidelines or written policies for all FOIA-related staff that address the concerns raised by the OIG, and ensuring that all FOIA-related staff has access to sufficient legal expertise to process requests in compliance with FOIA. But according to the OIG’s most recent semiannual report to Congress, the SEC has not completed final action on any of these recommendations.[6] Rather than giving the SEC any more leeway to improperly withhold information from the public, we urge you to hold Chairman Schapiro accountable for the excessive delays in implementing the OIG’s recommendations.

Third, we notice that Chairman Schapiro is “asking the Commission to issue and publish on our website guidance to our staff that ensures [Section 929I] is used only as it was intended.” The solution for addressing the uncertainty surrounding this provision is not additional guidance. The solution is clarification in the law that public access is vital to accountability and that the existing FOIA exemptions can adequately protect confidential business information provided by regulated entities.

Fourth, Chairman Schapiro neglected to mention that the SEC already has the authority to compel registered entities to provide information and records. Under the Securities Exchange Act of 1934, the SEC has the authority to subpoena witnesses and require the production of any records from its registered entities. If these entities fail to comply, the SEC has the authority to suspend these entities, impose significant monetary penalties, and refer cases to DOJ for possible criminal proceedings.[7] But instead of using these existing authorities, Chairman Schapiro seems to think that Congress needs to provide blanket FOIA exemptions in order to convince the SEC’s registered entities to cooperate. We think such a blanket exemption fosters an environment that defers to the entities it regulates and is unadvisable.

Finally, it is unclear what Chairman Schapiro’s plans are for implementing other blanket FOIA exemptions in the Dodd-Frank Act, such as Section 404, which exempts the SEC from FOIA with respect to any “report, document, record, or information” received from investment advisers to private funds.

In the aftermath of the recent financial crisis, the need for greater transparency in our financial system is all too apparent. The SEC’s ongoing effort to withhold vital records from the public undermines the spirit of the transparency reforms in the Dodd-Frank Act, and flies in the face of President Obama’s guidance instructing agencies to adopt a “presumption in favor of disclosure, in order to renew their commitment to the principles embodied in FOIA, and to usher in a new era of open Government.”[8]

We call on you to repeal the unnecessary FOIA exemption in Section 929I, examine the SEC’s current record on withholding information, and take whatever steps are necessary to ensure that the SEC isn’t given any additional authority to keep its records under a veil of secrecy. We welcome an opportunity to discuss this issue with you further. To reach our groups, you or your staff may contact Angela Canterbury at the Project On Government Oversight at [redacted] or [redacted].

American Library Association American Association of Law Libraries Citizens for Ethics and Responsibility in Washington (CREW) Essential Information Government Accountability Project (GAP) Liberty Coalition OMB Watch Project On Government Oversight (POGO) Public Citizen Sunlight Foundation

cc: Senator Patrick Leahy

[1] “Dodd-Frank Wall Street Reform and Consumer Protection Act,” Pub. L. No. 111-203, Section 929I. (Downloaded August 2, 2010) [2] Letter from SEC Chairman Mary Schapiro to Representative Barney Frank and Senator Christopher Dodd, July 30, 2010. and (Downloaded August 2, 2010) [3] Department of Justice, “Exemption 8,” Freedom of Information Act Guide, May 2004. (Downloaded August 2, 2010) [4] Department of Justice, “Exemption 4,” Freedom of Information Act Guide, May 2004. (Downloaded August 2, 2010) [5] Securities and Exchange Commission, Office of Inspector General, Review of the SEC’s Compliance with the Freedom of Information Act (Report No. 465), September 25, 2009. (Downloaded August 2, 2010) [6] Securities and Exchange Commission, Office of Inspector General, Semiannual Report to Congress: October 1, 2009 – March 31, 2010, pp. 98-99. (Downloaded August 2, 2010) [7] Securities Exchange Act of 1934, Section 21(b) – (d), Section 32. (Downloaded August 2, 2010). [8] “Memorandum of January 21, 2009 – Freedom of Information Act,” Federal Register, Vol. 74, No. 15, January 26, 2009. (Downloaded August 2, 2010)


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Apr 3, 2020 in Economics
Money Market Instruments

Money market is a special sector of the market on which the funds are moving from owners of savings to borrowers; and amount of money as a particular commodity is constantly changing under the influence of supply and demand due to various economic factors. The money market consists of many streams in which funds are moved from savers to borrowers and investors. Money market instruments which represent debt instruments are less than or equal to a one year time limit. These instruments are an integral part of modern commodity-money relations and are one of the key levers of solving economic and social problems that any economy always tries to resolve constantly. To confirm this thesis, the paper has been divided into several sections, where the following features would be explored: Eurodollar deposits, negotiable certificates of deposit (CDs), banker’s acceptances, US Treasury bills, commercial paper, municipal notes, federal funds, and repurchase agreements.

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The Structure of Money Market Instruments

According to economic approach, money market instruments are divided into several categories depending on their method of generating income: coupon instruments and discount instruments (Choudhry, Didier, Gino, Pereira and Pienaar 3). At the beginning, coupon was a part of financial instrument that could be separated and presented to the issuer for payment of interest. There are different types of coupons and discount instruments on money market (Choudhry, Didier, Gino, Pereira and Pienaar 25). In addition to these listed categories, there are also derivatives and deposits, Eurodollars, and federal funds, etc (Dodd 46). In general, money market instruments structure is shown in the following list (Choudhry, Didier, Gino, Pereira and Pienaar 36).

  • A. Discount instruments:
    1. Treasury bill (T-bill).
    2. Banker's acceptance.
    3. Commercial paper (commercial paper - CP).
  • B. Coupon instruments (interests):
    1. Money market deposits - non-negotiable instruments.
    2. Certificate of deposit - CD - negotiable instruments.
    3. Repurchase agreements (repos) - negotiable instruments.
    4. Bonds including municipal notes - negotiable instruments.
  • C. Derivatives and other types of instruments.

Treasury Bills

Treasury Bill, T-Bill, is short-term government bonds aimed at meeting a temporary need for funds received after the first branch arising from the issue. A short-term debt in Anglo-American was known as Treasury bills; however, Britain was the first country issuing short-term bonds (Choudhry, Didier, Gino, Pereira and Pienaar 29). Generally, Treasury Bill is a short-term US government debt obligation with a maturity to one year. People who buy treasury bills actually give credit to the government through its validity. When the bills reach their maturity, the government pays the nominal amount of treasury bills to the borrowers of the funds (Choudhry, Didier, Gino, Pereira and Pienaar 29). Treasury bills are issued by central banks, lenders of last jurisdiction, and therefore, form the basis for determining the interest rates on other instruments. Nominal treasury bill ranges from $ 1,000 to $ 5,000,000, and in most cases it has one month (4 weeks), three months (13 weeks) or six months maturity period (26 weeks). Placement (sale) of treasury bills goes through the auction at a price below the nominal value (discounted) (“Capital, Commodity” 55). When the maturity date is over, treasury bill holder receives a nominal amount of instrument, which is also called the maturity price or future value. Thus, a market value of treasury bill defines  a certain percentage or discount rate.

Our Process

At the same time, market value of treasury bills is a present value of the price paid at maturity. In other words, the price of treasury bill is a redemption price discounted at the prevailing market lending rate (“Capital, Commodity” 55). The estimated price of treasury bills is determined by the following formula (Choudhry, Didier, Gino, Pereira and Pienaar 29).

Money Market Instruments-1

S - is a price of treasury bill;

P - is a maturity price (future value);

R - is a discount rate as a decimal;

N - is a number of days to maturity;

B - is an annual basis (360 or 365 days).

The discount rate may be determined from the formula as follows (“Capital, Commodity” 60).

Money Market Instruments-2

Yield instruments, which hold up to maturity, are compared in terms of money market yield (MMY). MMY for the tool is determined in the following order: calculating profit at maturity, which is equal to (P -S), the resulting value is represented as a percentage of the investment: (P -S) / S, the result is expressed as percent year on year. Thus, the yield rate can be defined as (“Capital, Commodity” 71).

Money Market Instruments-3

Profitability ratio in bond equivalent (bond equivalent yield - BEY) is particularly useful in comparing treasury bills, treasury bonds and notes, which is an approaching maturity. BEY allows taking into account a compound interest at the coupon payments and a coupon period of 365 days (Shapiro 5). Although a significant portion of T-bills is bought by commercial and central banks, a general issue of such securities poses a threat to the stability of the national currency, because they themselves are money substitutes, and can easily be transformed into cash or deposits. For banks it is a highly liquid asset, not bringing a high income, but it supports liquidity on certain level.

Banker's Acceptance

These instruments are used for international trade financing during several hundred of years. A bill in the UK is essentially equivalent to banker’s acceptance in the United States (“Capital, Commodity” 25). Commercial bill of exchange, or trade bill, or banker’s acceptance is a debt instrument that requires to pay a certain amount of money to the holder or by the due date (time draft, that is, a bill payment with a fixed term) or on demand (demand promissory note) (“Capital, Commodity” 40). It is an easy short-term debt instrument such as IOU, produced for commercial operation. Bankers' acceptances or bank draft  is a bill of exchange issued by commercial bank or adopted by them. Upon acceptance this tool becomes negotiable. Both Bank of England and US Federal Reserve buy and sell bank acceptances that meet reserve requirements. These banks are known as "acceptable" or first-class, and their bankers' acceptances  as "acceptable" bill (“Capital, Commodity” 34).

Acceptance of bank is widely used in foreign trade operations, such as settlement of documentary letters of credit (Choudhry, Didier, Gino, Pereira, and Pienaar 25). Accepted by the bank a note may be taken into account in another bank and then recounted by the central bank. Accepted bills of reliable banks are accepted in the banks at a lower discount rate, charged for the purchase of promissory notes (Choudhry, Didier, Gino, Pereira, and Pienaar 25).

Commercial Paper

Commercial paper refers the issuers to meet the period of 2-270 days (Choudhry, Didier, Gino, Pereira, and Pienaar 31). It is issued by the drawer, unconditionally agreed to you or asks others to pay a certain amount that is a negotiable security; the holder, in his turn, has a certain authority certificate (Choudhry, Didier, Gino, Pereira, and Pienaar 31). Commercial paper is an unsecured short-term debt instrument issued by corporations. Terms of payment by commercial paper rarely exceed 270 days (Choudhry, Didier, Gino, Pereira, and Pienaar 33). Promissory note is usually issued at a discount reflecting prevailing market interest rates. Commercial paper is not usually supported by any collateral, thus, only firms with high credit ratings can easily find the buyers without offering a significant discount on debt issuance (Choudhry, Didier, Gino, Pereira, and Pienaar 36).

The main advantage of commercial paper is that it is not necessary to register it in the U.S. Securities and Exchange Commission (the SEC) if the period of its treatment is at least nine months (270 days), making it a very cheap means of financing (Choudhry, Didier, Gino, Pereira, and Pienaar 34). Thus, this type of financing can only be used for working capital (for example, to fund reserves) and may not be used for fixed assets financing (for example, creation of new manufacturing facility) without SEC approval. Basically, companies can finance their receivables, inventory and use this tool to cover short-term liabilities (Choudhry, Didier, Gino, Pereira, and Pienaar 31).

Money Market Deposits

On interbank market there are deposits of mainly two types. Term deposit is a deposit with a fixed interest rate and maturity (Choudhry, Didier, Gino, Pereira, and Pienaar 27). Demand deposit, in its turn, is a deposit with a variable rate and which can be redeemed on demand after a certain number of days without notice to the bank. Money market dealers are quoting bilateral rates as a percentage of annualized rates. As for deposit transactions London market rates, however, are very important, as banks often use LIBOR and LIBID. LIBOR (London Interbank Offered Rate) is an offered rate of London interbank deposits upon which bank offers certain amount of money or charges for a loan (Choudhry, Didier, Gino, Pereira, and Pienaar 26). LIBID (London Interbank Bid Rate) is a buyer rate of London interbank deposits, that is, the rate at which bank buys debt instruments or takes money that pays for a loan. These instruments are useful for buyers due to certain standardized conditions (Choudhry, Didier, Gino, Pereira, and Pienaar 27).

Certificates of Deposit

A certificate of deposit can be determined as follows. It is a paid security, indicating the presence of a bank or other financial institution deposits with a fixed interest rate and maturity (Choudhry, Didier, Gino, Pereira, and Pienaar 27). In other words, a document confirming the existence of the debt, such as IOU (I owe you- I owe you) with a fixed coupon. Most certificates of deposit issued by banks are bearer appealing instruments (Choudhry, Didier, Gino, Pereira, and Pienaar 27).

The difference between the deposit certificate and deposit is as follows: deposit does not have an appealing circulation, and it is an instrument with a fixed term. On the other hand, certificate of deposit (CD) is an appealing instrument with a fixed term, that is, can be bought and sold (Choudhry, Didier, Gino, Pereira, and Pienaar 28). One of the main benefits of certificates of deposit for a depositor is a freedom in circulation. In addition, CDs are interesting to investors, who want to have good liquid collateral. Moreover, income from certificates is usually lower than earnings from conventional deposits (a few percentage points) and to fill up such an account is impossible (Shapiro 5). Disadvantages also include a high rate of taxation, and secondly, this type of contribution is not covered by the Deposit Guarantee Fund. Third, in case client loses the certificate or somebody has stolen, it is likely that someone else could take advantage of it.

Municipal Notes

In large developed industrialized countries the municipal bond market holds a huge sums of money in the form of loans, on the one hand; and the obligation to repay the loans and interest by a certain date, on the other hand. In the United States, municipal bonds amount to one trillion US dollars, which is a considerable sum; especially, because it has a tendency to increase. Municipal notes are securities that are not issued by the state, but by local government (local authorities) or by subordinate administrative units. Of course, this type of securities has a high safety (back guarantee), as the US government itself guarantees the return of the loan in full, but in turn, these securities have sufficiently low returns (Singhi 3).

The guarantor of the municipalities is the United States Government, and the guarantor of municipal bonds is their issuers (tax authorities, for example) (“Capital, Commodity” 40). There are notes also in the United States that provide an income from a variety of projects, issuance of which goes separately from the agency authorities. They are created in the cities and states, of course, in accordance with the legislation of the municipalities of data (“Capital, Commodity” 40).

Characteristic features of municipal notes, which are secured by revenues from the project, are fixed maturities. Namely, the projects are stadiums, hospitals, dormitories for students – building projects with high necessary level of investment.

Municipal notes are produced to meet the needs of states and cities in cash. Yield is provided by a fixed coupon rate and the payment of loan in its entirety occurs at a certain time in the future (which is marked). Purchase and sale transactions are made on the primary exchange market, and the owners are usually banks and other financial and credit institutions, as well as, common people (investors) (Singhi 3). At the same time, the share of banks in transactions (possession) with municipal notes is much lower than it was in the eighties of the twentieth century, since then it was a sharp decline in economic situation (stability) of the United States of America. There are some companies which seek to recover their income by investing some money in bonds (municipal) in order to enjoy the benefits of taxation (Dodd 46).

Our Benefits

Repurchase Agreements (Repos)

Repo transactions are used by central banks as a tool of monetary policy and by traders  as a means of financial investment. Their essence is defined as follows. Repo or repurchase agreement is an agreement between the two parties in which one of them is obliged to sell the other a financial instrument at a certain date and at an agreed price, and then buy it back at a later date at an agreed price (Choudhry, Didier, Gino, Pereira, and Pienaar 25). That is, reverse repurchase agreement is an agreement to purchase an instrument with an obligation to sell it at a future date at an agreed price (Choudhry, Didier, Gino, Pereira, and Pienaar 25). The largest volume of repo operations refers to daily transactions with treasury bills in the United States (Choudhry, Didier, Gino, Pereira, and Pienaar 25). The Federal Reserve uses repo transactions and conducts purchases of financial instruments at a time to feed the banking system cash resources, and the reverse repo are performed for the temporary withdrawal of funds and part of the banking system.

Federal Funds

Depository institutions are required to hold in reserve the means to ensure their needs in reserve. The level of reserves that must be maintained by depository institution depends on the average annual volume of its deposits in the last 14 days (Choudhry, Didier, Gino, Pereira, and Pienaar 32). To meet these requirements depository institutions hold their reserves in a particular bank. These reserves are called federal funds. They do not generate interest though. Federal institution keeps its federal funds in bigger amount  than required bearing the opportunity cost associated with the rejection of interest, which could lead to excess funds (Choudhry, Didier, Gino, Pereira, and Pienaar 32). Accordingly, there are depository institutions that do not have an adequate supply of reserves in federal funds.

Federal funds market is a place where the depositary institutions buy and sell federal funds to eliminate this imbalance. As a rule, small depository institutions (such as small commercial banks, provident funds and credit institutions) almost always have excess reserves, while the banks operating in the domestic market lack the reserves and always have to maintain the balance (Choudhry, Didier, Gino, Pereira, and Pienaar 32). Stocks federal funds are controlled by the Federal Reserve through annual open market operations.

Most of the operations with federal funds last only 1 night, that is, the depositary institution with a lack of reserves occupying excessive funds from another financial institution usually does so for the period until the next working day. Since reserves are only available for a short time, federal funds are often called the overnight loans. The daily effective federal funds rate is a weighted average number of bets from transactions with federal funds concluded by the largest brokers in New York.

Eurodollars is the US dollar deposits in European banks (Choudhry, Didier, Gino, Pereira, and Pienaar 46). Eurodollar market development was promoted by: the US national regulation in 1958 for the foreign exchange market, when the US maintained interest rates at artificially low levels (Choudhry, Didier, Gino, Pereira, and Pienaar 46). At the same time, European banks have raised their interest rates, which contributed to the outflow of capital from the US to Europe; recovery of Western European economies, growth of European exports to the United States, and military appropriations. The United States within NATO filled the dollar markets outside the United States. Eurodollar market development also contributed to the growth of the US current account deficit, and for its covering additional emission of dollars was needed. It happened  because of the difference in interest rates that appeared in European markets and confrontation of the USSR and the USA.Starting from 1980s medium eurocredits and euronotes have been largely proliferated on the market. It is short-term liabilities with a floating interest rate based on LIBOR. Although euronotes are short-term securities, they are used to provide medium-term loans. Banks undertake to redeem the notes from borrowers for a number of years as the expiry of the previous release, and then resell them. Among the negative aspects of EU market activity should be noted a possibility reduction of foreign exchange authorities to monitor foreign exchange markets and capital markets as well as to conduct an independent monetary policy because of the strong interdependence of monetary policy in industrialized countries.

European markets make an efficient use of financial resources on a global scale to solve the problems associated with an imbalance of external payments, stimulate the development of the productive forces, and promote the internationalization of foreign economic activities of the countries. The importance of the money market instrument is to serve working capital movement of firms, short-term resources, banks, institutions, government and individuals. Money markets instruments allow those who can use them to receive direct money that is available for a shorter period to, but also have a very good quality to transform short-term deposits that can be given as a credit for a longer period. Thus, money market instruments are an integral part of modern commodity-money relations and it is one of the key levers of solving economic and social problems, which any economy tries to solve constantly.

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Angry Kalel Rants at Haters That Say She’s Ugly, Has Bad Skin & a Big Nose

Kalel Kitten wants the haters to shop. (Photo: Instagram)

Kalel Kitten is sick of “haters” leaving mean messages about her big nose, bad skin and “ugly” body on her Instagram account. “Just let me rant. I just can’t with these people anymore,” she exclaims.

“I’m so unbelievably sick of seeing people on social media, f**king Facebook, Instagram, Twitter. People post photos of themselves and people make these types of comments.”

She even reveals that she once contemplated plastic surgery to fix her b**** and nose.

Kalel Wants You to Stop Hating on Her Face

Kalel lists a few common criticisms people attack her with.

“Oh my god, you’re pretty, but your nose is way too big! It’s MY nose! Your eyes are way too close together. Your ears look like Dumbo. Your skin is way too dark,” she says.

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“Take a step back, do you think YOU’RE f**king perfect? Really? You think there’s nothing wrong with YOU?”

Kalel Kitten GIF.
Kalel is a big fan of her face.

Kalel Says Her “Bad Skin” Is Genetic & Can’t Help It

She then explains that her “poor skin” is genetic, and she has tried everything to rid herself of acne. “This is my f**king face!”

Kalel often gets criticized whenever she goes without makeup – like in this video, where Kalel vlogged makeup-free – resulting in a brutal comments section attacking her looks.

Kalel Kitten with no makeup.
Kalel got abuse for this makeup-free video. (Photo: YouTube)

Kalel Says She Considered Plastic Surgery for Her Nose & B****

“What the f**k do you want me to do about this? Do you want me to go get a nosejob?”

“I have had moments where I have considered plastic surgery. Like REALLY considered.”

“With what I do, I feel a lot of pressure to be perfect. It would, on some level, make my life a little bit easier if I did have the perfect nose & slightly bigger b****.”

Kalel Makes a Controversial Comment About Pregnancy: B**** Turn to S**t!

“But I don’t think I’ll ever do [plastic surgery] Unless I end up having like five kids and my b**** just turn to s**t,” she cackles.

This comment caused some controversy, with some claiming it invalidated her “everyone is beautiful” message.

Not my intention!

Kalel even had to respond, saying, “Ok, whoa. Not my intention. Have you seen a woman’s b****** / nipples after breast-feeding 5 children?”

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Exercise.com for Business will use client licenses to measure the number of clients associated with your account when it comes to billing.

A client is a single Exercise.com account that is subscribed to you as a trainer on Exercise.com, allowing you to easily assign workout plans, send private messages, and view their profile.

Depending on your Exercise.com for Business subscription, you will have a set number of client licenses included.

If you go over your starting alottment of clients, that's great news! Your business is growing! You will then be charged an extra Client License fee, based on the number of client licenses over your subscription limit.


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It is now possible to earn 3.5% cashback every time you spend in over 40 major UK high street shops and restaurants.

To view the shops who participate in the cashback scheme and learn more click on this link:

You can view your available rewards and redeem them in the ‘Rewards’ section of the ‘My Account’ area.

Rewards can be transferred to any of your FairFX Currency Cards once at least £1.00 has been awarded. Please note that it may take up to 60 days from the point of purchase for cashback rewards to appear on your account.

Unfortunately, it is not possible to have your rewards refunded to your bank account.


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For every trade you make, we charge a small amount of money. At BUX X we have three different trading-related fees:

  • Opening fee: The opening fee is calculated as a percentage of the total trade value at the moment you open the position. This percentage is dependent on the type of trade you make. For larger trades, we charge a relatively lower opening fee. The fee will be deducted from your account value at the opening of the trade.

  • Closing fee: The closing fee is calculated following the same pattern as the opening fee and is deducted when you close the trade. It is therefore calculated as a % of your total trade value at the moment you close the position.

  • Financing fee: Charged when you are trading with a Multiplier and when you keep your position open overnight. The fee is calculated based on the total trade value. You can read more about it here

The minimum fee for opening and closing a position with BUX X is GBP 0,30.* You can check out the complete BUX X price list here.

Before you confirm your trade, you will always see an exact overview of the trading fees for your position. This way, there are no surprises. Moreover, you can also view the present net value of your open positions (= value - fees) when you click on "Net (Σ)".

Questions? Contact us at We are always happy to help!

*or €0.30, 2.40 DKK, 3.00 SEK


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2020: 05--07 --- Updating Syscoin.network/Syslinks & More --- Update 2020-05-21

Updating Syscoin.network/Syslinks & More

Project Proposal

Current Proposal:
The current proposal seeks funds to extend the previous proposals and will encompass the
following tasks:
1. Timely Updates of Syslinks
Continue to update syscoin. network /syslinks with all links and following all channels of
information daily (Discord, Twitter), and disseminate new links added to those signed up to be
notified through the Twitter @sysnetsite.
2. Website editing of Syscoin. network/ syslinks and possibly other pages
During the past month, discussion in discord with @mca have been taken place regarding
possible integration of the central web page Syslinks on Syscoin org. The easiest way to provide for such an integration while maintaining independence of syscoin org is by way of a URL-forward which requires redesigning and adjusting the layout of that page on
syscoin. network/ syslinks and other pages such as syscoin. network/ systokens so it matches the official website (Fonts, etc.) to a substantial extend. If implemented, visitors to Syscoin. org could view syscoin. network/ syslinks as part of Syscoin org wishes to add such url-forward. Hence, while syscoin network continues to be an initiative by a community member and independent of the official sites, it contributes to the official channels when feasible.
Also, should the domain Syscoin. network domain at some point become part of the official
Syscoin websites, this would lay the groundwork for such a transition.

3. Adding a multilingual plugin
Visitors of Syscoin. network/ syslinks should be able to view the website in their choice of
language. Given the success of the recent AMA targeting Chinese crypto community, this should be done asap. At the time of writing, a google translate plugin has recently been added as an initial solution.

4. SEO Optimization
Until now, there has been no emphasis on marketing Syscoin. network using SEO. It was felt that that it may compete with other websites in terms of SEO ranking, so this was avoided and visitors came primarily from chat and discord, or twitter. Hence, care will be taken to make sure that search terms will be unique and complement, but not directly compete with other Syscoin related websites.

MooBaa - <email address>

1. General Project Information

Project Name: Updating Syscoin.network/Syslinks & More
Project Manager: MooBaa
Link: https://syshub.org/p/2014456e90ba8c7e6b5416e453127fdf1979e1008c00a7fb14fbd463289f01c5

2. Status RAG (Red, Amber, Green)

Status Time Budget Risks
**RAG Status Guideline**
Status Time Budget Risks
Green: Key milestones are met and critical path and delivery end date are not affected. Cost variance is < 10% of lifetime cost. No risk is reported Amber or Red.
Amber: One or several key milestones cannot be met but critical path and delivery end date are not affected. Cost variance is 10%-20% of lifetime cost. At least one risk is reported as Amber and none is reported as Red.
Red: One or several key milestones cannot be met. Critical path and delivery end date are affected. Cost variance is >= 20% of lifetime cost. At least one risk is reported as Red.

3. Overall Status

The main remaining task is to match the design of syscoin .network/syslinks more or less to that of syscoin org so it can be incorporated by syscoin. org by way of a url-forward, if wanted. This will be a challenging task but hopefully successful upon completion of the proposal.

4. Progress and Achievements Since Last Reporting Period

Several Task listed in the original proposal have already been completed:

  • Installation of a multi-language translation plugin
  • Changing Fonts on Syscoin.network/syslinks to match Syscoin.org
  • Continually Updating of all links
  • Editing of meta-tags
  • forward of syscoin network to syscoin network syslinks to make this
    the central piece of the domain

5. Time

<time planning>

6. Budget

4 Payments of 4500 Sys were requested. All the suggested task should be
completed in the time frame suggested.

7. Risks

<risk planning>

1 Like

Thanks for posting your proposal here :slight_smile:
And thanks as well for all that work you have been investing into syslinks!


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Can I choose where I camp?

During ticket registration, you will be asked a series of questions which will help us determine the ideal place for you to camp. This includes access to power, size of setup, camping with children or needing to be in a quiet zone. The site is small enough that if you’re not right next door to your mates, it won’t be very far to find them. Waves Campground will be as considerate as possible of your needs - please be considerate of their need to arrange camping in a particular way.

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Can I use my card?

The only EFTPOS facilities on site are at the Surf Cafe and reception, with no option for cashout ($1 surcharge per transaction). All other sales on site are cash only (unless an arrangement can be made directly with a vendor for larger or custom orders).

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Have more questions? Contact support.

Do You Have a Multiple Rider or Studio Solution?

No, TrainerRoad currently does not have a "multirider", fitness studio, or bike-shop version or licensing available.

It is TrainerRoad's policy that each rider have their own account, and that more than one athlete cannot use the same TR subscription.

If you have any questions about multiple rider use with TrainerRoad, please email our Support Team at support@trainerroad.com

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Start a new topic

change the radar coordinates

Hi Friends

I have a technical question; We will be working with the example 08_BrowsingPois_2_AddingRadar

We need to change the radar coordinates. Need to change the axis (North) of the radar from geographic coordinates (Latitude and Longitude) to the celestial equator (Equatorial coordinates (absolute), North celestial pole = + 90º, South-celestial pole -90º).

I do not know in what file and line of code I can make this change. I would like to have your help to make this change without risk of altering, negatively, the example in which I work.

Thanks for your help

Best regards

1 Comment

the Wikitude SDK can only work with geographic coordinates and I think what you want to achieve is currently not possible.

Best Regards,

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Start a new topic

Duplicate project

Is it possible, in Wikitude Studio, to duplicate a project and give the duplicate a new name?

1 Comment

Thank you for suggesting this enhancement. We value the feedback from our community and hope to review your suggestion in an upcoming sprint.

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The Coupons function will allow you to pre-define coupon codes that can be “redeemed” to provide discounts with Payment Processing.

In the Coupon tab there all of the coupons are in the Workspace are listed. Here you can see:

  • Code: The code required to redeem the coupon during checkout
  • Discount: The percentage or dollar amount that will be taken off the purchase total
  • Expiration: The date and time at which the coupon will no longer be valid
  • Max Uses: The number of times that may use the coupon before it becomes invalid. In the example above, only the first 200 users will receive the discount
  • # of Uses: The number of times the coupon has been used thus far
  • On/Off: Whether the coupon is currently valid, off signifies the coupon is not currently valid

To the right of each row in the chart, you will have the option to edit or remove the coupon. To create a coupon, click Add at the button of the Code column. You will be brought to the window seen below to create a coupon. Here you can stipulate what you would like all of the properties seen above to be.

For information on the other parts of advanced cart, please return to  Advanced Cart Overview

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Member Activities for July 2016

Hi Everyone!  Here is the latest news about our members as well as some opportunities to participate in.

sharon rowleyMember Sharon Rowley is a Featured Artist Speaks on Jane Dunnewold Studio’s website. You can see her video and learn more about her art there.

“Like a Tibetan prayer flag, I create art to send my wishes for peace and happiness into the universe.  Over two decades of exploring Buddhism and traveling to the sacred temples, canyons and mountain-tops of the world, these phrases of loving kindness (may you be happy, live in peace, in safety, in health, and with ease) have resonated strongly.

My art explores both the prayer flag’s form and the spirituality of its messages.  Some of my flags reflect my expansive hopes for all people, others are very personal hopes for myself and those near me.  All are prayers from my heart.”  Sharon

goldenThe Eastside SDA group is hosting Barbara De Pirro of Golden Acrylics at their meeting on August 21st from 2-4pm at VALA Art Center, 7303 164th Ave NE, Redmond.  Everyone is invited to attend (both SDA and non-SDA members!).

A lecture for all levels and backgrounds; from painters, mixed media, fiber to sculptural artists……ideas for all! This presentation covers a wide variety of techniques for use in a wide range of media. Learn about the wide range of GOLDEN Acrylic paints and mediums, including QoR Watercolors. Gain an understanding of each product and their different attributes. Learn how to make the right choices in grounds and colors for the best intended application. Learn what to put under paint, and how to create washes, stains, and collage. We also cover the use of stencils, paint markers, pastels, and pencils, as well as the creation of encaustic-like effects, and how to use Iridescent and Interference colors to add unique qualities to your work. This is a great place for beginners and experienced artists alike to learn new techniques and be inspired by innovative applications.

 Attendees will receive Information packets & free samples!!

If you’re interested in attending,  please contact Crystal Edwards at:            For more information, please see the Facebook link at:

Lois Gaylord invites you to mark your calendars for September 10th and 11th!  She will be part of the Arts North Studio Tour and will be at Sun House Studio with 3 other artists.

paper transformed

Paper Transformed II is the second exhibition of the work of five SDA WA members and three other Western Washington artists who transform machine and handmade paper into artist books, sculpture, jewelry, baskets and other visual objects. Dona Anderson, Mary Ashton (, Danielle Bodine (, Zia Gipson (, Lois James (, Dorothy McGuinness (, Jean-Marie Tarascio and Sande Wascher-James (presented by Priscilla Juvelis,Inc. (rare and artists books) all use paper for its inherent infinitely malleable character, not just as a substrate for traditional artists’ media. To paraphrase philosopher and communication theorist Marshall McLuhan, Paper Transformed is an exhibition where “the paper is the medium and the message.”

The paper work of Lois James, Zia Gipson and Danielle Bodine carries the record of cultural tradition, personal memory and story-telling. Dona Anderson’s and Mary Ashton’s paper sculpture resonates with the living things which give the work its connection to nature. Jean-Marie Tarascio and Sande Wascher-James artist books celebrate paper’s long history of being used to make books. Dorothy McGuinness’s intricate paper baskets are made from richly colored and patterned paper cut with surgical precision then folded and woven into rhythmic shapes. The eight artists in “Paper Transformed” show us how paper is infinitely alterable, taking the observer from the flat smooth surface we use daily to record the most mundane of life’s events to the richly textured surfaces of handmade three-dimensional objects.

Fiber-Fusion-Logo-Web-400x484VALA Fiber Fusion Exhibition

Eastside members watch your email for the call for art for the regional component of the Fiber Fusion travelling exhibition.
A call for teaching proposals will be email soon for all SDA Washington members for classes at VALA..
Lastly, there may be an opportunity for SDA WA members to sell gift items at VALA during the Festival of Lights event in Redmond.
Area Meetings
EastsideSunday, August 21st, New Golden Lecture with Barbara De Pirro. Please rsvp to Crystal Edwards  for more information. Meetings areThird Sundays of the month, please email Crystal for more information.
North Central (Wenatchee, Manson, Leavenworth area) -For more information, please email

North Peninsula –Meetings will resume in September and are held the second Wednesday of the month, please contact Jeannie McMacken, for more information.

North Sound (Snohomish, Skagit, Whatcom and Island Counties)-

Fourth Monday of the month. Meetings will resume in September.

South Central Surface Design Group  –.Meeting at the home of Barb Sherrill, 8710 W. 6th Ave., Kennewick, August 10, 10 am (9:45 for coffee and conversation). For directions and questions, or information on what to bring email  Vicki Gerton

South Sound –For information, please contact Faith

Whidbey Island – please contact Debra Calkins

for more information.

For More Information about Fiber Fusion and SDA

Surface Design Washington
Fiber Fusion Exhibition–
Surface Design
Surface Design National and International

Member Activities Updates For May 2016

Here are upcoming activities for and from our members!!

Member Activities

Member Debra Calkins has posted a call for art in hopes of bringing attention to a very important issue!  She is looking for 2-D art from any medium to participate.  Here are the details:

Calkins Unmade Bed

83% of the victims of the sex slave trade in America are US citizens. 40% of them are children. Unmade Bed is an exhibit about sexual trafficking which would include the work of artists; their reactions, feelings, and thoughts on this inhumane practice.

I would also like to invite those who would consider expressing the denial around this topic. Art carries powerful messages and has healing power. We hold in our hands, hearts and minds the ability to stand up to this injustice.

This will be a traveling exhibit with 3 – 5 venues. Each of the venues will be two days to four days. The first venue is at WICA (Whidbey Island Center for the Arts) in Langley, WA on Whidbey Island opening on October 7, 2016. The traveling will be completed by the end of 2017. Depending on the size of the venue, not all art will be shown in every venue.

Each artist will receive a catalog of the exhibit.

Docent training will be available for anyone wishing to spend time with the exhibit while it is installed, talking with visitors and assisting with any purchase inquiries.

I will be jurying for suitability and space availability, as well as for the size requirements for our largest venue.

2-D art any medium

All art must be ready to install with a hanging wire or sleeve and slat.
File Format: JPEG only
File Dimensions: No smaller than 1920 pixels on the longest side.
File Resolution: 72ppi/dpi
File Size: 5 MB maximum
Please label images LastName_title.

Include an image list, including Title, Medium, Year, Dimensions, description and price if for sale. If not for sale, insurance value. Please label this file LastName_ImageList.
Include an artist statement for each piece. Please label this file LastName_ArtStmt.
Include a bio. Please label this file LastName_bio.
Include a head shot. Please label this file LastName_me. These files may be pdf or word documents.
Email the images and information to

Application fee of $25.00. Please mail check to Debra Calkins P O Box 1203 Freeland, WA 98249.

Artists are responsible for all costs of shipping to and from Whidbey Island. Artists are responsible for the insurance on their art.

By entering your art for this exhibit you affirm that you are the originator of the art and own the copyright. In addition, you release the use of your image of your art to be used for promotional purposes only.
August 15, 2016 Deadline for entry
September 1, 2016 Notification of acceptance
September 24, 2016 Shipments of art received by

More detailed information will be requested after acceptance.

Any questions contact Debra Calkins

2016-05-04 21.32.59crpdMember Rebecca Wachtman is hosting 2 workshops at Allied Arts Gallery in Richland, WA in conjunction with the Fiber Fusion show.  The workshops are titled An Intro To Silk Painting and Resisting Your Dyes With an Ice Kicker.  Both workshops will be held on Saturday, June 11th.  For more information you can visit our SDA-WA post at

or to sign up for classes as well as information about other events at Allied Arts Gallery, you can visit:

shack garage saleThe Schack Center in Everett is having an artist garage sale on Saturday, June 4th from 9am to 3pm with over 100 artists participating.  It’s a great opportunity to score great art, supplies, and make connections with other artists.  It’s free to attend and street parking is free in downtown Everett on weekends. You can also park for free at Everpark Garage, one block north of the event.

For more information, please see:

And of course we’re SUPER-excited that the Fiber Fusion show will be opening in June!!   fiber fusion show

The Fiber Fusion Show opens at Allied Arts Gallery in Richland, WA on June 5th.  Everyone’s invited to attend.  The opening event will be from 1-3pm and promises to be a lot of fun!  We hope to see you there!!

And just a friendly reminder that registration is open for the Jane Dunnewold Workshop and Critiques…spaces are filling fast! Only a few more days for this exclusive offer to SDA members. The workshop will be open to others in a few days!

Creative Strength Training Workshop with Jane Dunnewold
Prompts, Exercises, and Personal Stories for Encouraging Artistic Genius
Friday, August 19, 2016
9:00 – 4:00
Seattle Pacific University
Third Avenue West & Nickerson Street, Seattle

Note! Registration opens to the public at a rate of $125 after May 30.

…and another special opportunity –

Private 40-minute Critique Sessions with Jane Dunnewold
Saturday, August 20, 2016
Time slots to be chosen or assigned
At a private studio in Richmond Beach, 15 minutes north of Seattle

$60 40-minute Critique Session, Saturday, August 20, 2016
or $155 Workshop AND Critique Session

For more information, please see our post:

Creative Strength Training Workshop with Jane Dunnewold

2016_01Dunnewold Creative Strength Training Workshop                 with Jane Dunnewold

Prompts, Exercises, and Personal Stories for Encouraging Artistic Genius

Friday, August 19, 2016

9:00 – 4:00

Seattle Pacific University

Third Avenue West & Nickerson Street, Seattle

Note! Registration opens to the public at a rate of $125 after May 30.

-and another special opportunity-

PhotoJanePrivate 40-minute Critique Sessions with Jane Dunnewold

Saturday, August 20, 2016

Time slots to be chosen or assigned

At a private studio in Richmond Beach, 15 minutes north of Seattle

Discover a deeper connection to your creative self in this one-day workshop with internationally renowned artist Jane Dunnewold, on tour to help artists build creative stamina, dismantle their inner critics, and approach their art with more joy. A popular teacher, Jane’s lecture features prompts and exercises from her newest book, Creative Strength Training, with an emphasis on creating work that is uniquely yours. Play and work at the same time!

The workshop costs $95 for current SDA members, and early registration is encouraged; participation is limited to 20 students

Move your art forward with a one-to-one critique session with Jane at a private art studio in Richmond Beach. In this 40-minute session she will work with you to develop goals for your future work based on current interests and projects. This is an informal conversation to discuss ideas, direction, and works in progress. An emphasis on supportive and authentic discussion will inspire you to take your art to the next level.

Critique Sessions cost $60, and participation is limited to 8 artists.  You do not need to take the workshop to sign up for a critique session.

Please make checks out to Surface Design Association and then send your checks in the proper amount to Julie Moberly at:

4111 East Madison Street, #129                                                                                Seattle, WA  98112

    $95 Creative Strength Training Workshop, Friday, August 19, 2016

    $60 40-minute Critique Session, Saturday, August 20, 2016

    $155 Workshop AND Critique Session

IMPORTANT: Include your email address and cell phone number with your check.

Contact Sharon Rowley ( for available critiques slots between 9 am and noon, and 1 and 4 pm. Follow-up with payment to Julie at the address above. Your slot will be held for 2-3 days and released if your check is not received in that time.                  Your payment will be acknowledged by email.

Registration will be handled on a first-come, first-served basis until May 30, when registration opens to the public (The CST workshop is $125 for non-SDA participants) Payment by check is required to confirm your space.  If registration exceeds capacity, we will create a waiting list.

Refunds will be made up to 30 days in advance of the workshop (July 20, 2016); transfer of place is not available.

A supply list for the workshop will be emailed with confirmation of registration, and a short assignment will be emailed for those participating in the critique sessions.

Questions? For questions about the workshop, email Julie Moberly at; for questions about the critique sessions, email Sharon Rowley at

SDA-WA Member Activities – 03/29/16 Updates

Member Activities

We love highlighting our member’s activities!!  If you would like your activities and events posted on our blog or Facebook page, please send an email to with your event or activity information, your contact info, and a good photo or two or three of your event, activity, art, or yourself!

Save the Date, Jane Dunnewold will be in the Seattle area to conduct a workshop on her newest book Creative Strength Training.

The one day workshop will be heldSaturday, August 20, 2016. The following day will be for individual critiques. More information soon. Interested in helping plan for this event? Please email me

Member Mary Ashton is in an upcoming Show At BallardWorks!

BallardWorks Exhibits “Making a Statement”
Saturday, April 9th, 2016 6:00pm-9:00pm
Mary M Ashton's photo.allardWorks, 2856 NW Market St., Seattle 98107

“Making a Statement” exhibits Artwork and Artist Statements from Artist
Trust EDGE graduates, 2013-2014. Participating artists: D.Lisa West,
Andie Styner, Ellen Hochberg, Isobel Davis, Mary Ashton, Anita West,
Susan Derrick, Louise Hankes, Kip Kania, Melissa Koch and John Webster.

If you are not familiar with the term “artist statement” the following
Is a definition by Ariane Goodwin, author of “Writing the Artist
Mary M Ashton's photo.Statement.” “Like the art that it reflects, an artist statement uses its
sincerity of purpose and its purity of intent to create a powerful
word-reflection of the art and the artist.” Come and enjoy the art and
the artist statements of this group and see if the statements
accompanying the art cause you to see the art in a new light.

Three floors of art studios and exhibition spaces open for the Art Walk
Saturday, April 9th, 2016. Open 6:00-9:00 pm only. Families with kids
welcome. Enter through the 1st or 2nd floor doors on 30th Avenue.
Includes painting, wood working, sculpture, wearable fiber art,
encaustics, print making and more, all under one roof.

If you’re interested in teaching a class (or two or three) during the travelling Fiber Fusion show, we are still accepting applications!  The first location – is in Richland, WA…and the due date April 8th, 2016 for submission/proposals.

For more information, please see our previous post:

Building a Body of Work

Detail View of original artwork by WA SDA member Peggy O'Heron.

Detail View of original artwork “Don’t burn the Day Away”  by WA SDA member Peggy O’Heron.

In our breakout sessions for the WA State SDA meeting last week, one group, dubbed “The Fabricators” were drawn together by the desire to “build a body of work, prepare for a sale, or have a solo exhibition.”  Here are some thoughts drawn from their session:

When asked “What part of Jane Dunnewold’s presentation (click link to see a write-up of SDA president Jane’s talk_ can you relate to?” there were numerous reactions.  One of the main things that blocks many in this group is what Jane calls “The Committee.”  It’s so easy to be hard on oneself.  The committee resides in our own minds and points out our mistakes and every little shortfall, reducing our confidence.  To overcome this, we need to learn how to play… and then learn by playing.  Rather than being afraid to make mistakes, we need to make more!  We learn a great deal by making mistakes and if we aren’t making any, then we’re not trying hard enough.  Both playing and making mistakes are part of building creative stamina, which is important to develop our artistic muscles.  Some of Jane’s suggestions for gaining creative stamina resonated with this group: free association exercises with a list of words and the image that they conjure; a form of journaling and sketching; taking a photo every day; and the art of intentional noticing.

The next question the group was asked was, “Why did you chose this group?”  Some of the artists are needing some direction or feel they way to learn the logistics of working in a series.  There are those who are interested in developing and preparing a body of work for an exhibit, or working in the direction of putting work in an exhibition.  A few are working to develop the courage to enter a piece in a show and need the confidence to move forward.  Finally, many participants expressed the desire to find their own voice.  They’d like to put some constraints on their body of work.  It was suggested they ask themselves: “Why am I creating this?” and “What is it that I’m trying to say?”

the-first-series-of-time-clocks-30147“What things do you need to further your art?”  Overwhelmingly, Time!  This includes making a commitment, finding ways to stop being non-productive, and coming up with creative ways to stop avoiding the studio.  Another related factor is to be Focused.  Eliminate or ignore distractions… this means “Just say NO to more cleaning!”  Some people discussed needing more confidence and others wanted to set some perimeters or work with the constructs of deadlines, to ensure they’d get their work done.

The interaction and support shared between group members was remarkable.  Some of the tips shared might be things you’d like to try too!

  • Just do it! ENTER a show. Rejection is hard, getting in a show helps validate what you do and instills more confidence, but even when you don’t get in, you learn from the rejection. Even if your piece just didn’t fit the criteria on that given day, within that set of jurors, it may appeal to a juror who remembers your work at a future date and you may be accepted then. Your rejection has then paved the way for future success. Resubmitting your work to a different jury can an often does get a different result. Get your work seen!
  • A good beginning place is to look for themes of upcoming shows to see what appeals to you, or make the choice to enter into a specific show, or a show in a particular place.
  • The first step is the most frightening. The application process might be intimidating but is a confidence builder. Another good entry point is to practice being a juror yourself, it helps you realize that rejection is not to be taken personally. For fun, “google” famous artist rejections.
  • Ask yourself if you are making the act of getting into a show the point, or are you passionate about sharing your work and your message with others. This may reframe the process for you and force you to think about who you are as an artists.
  • Create and keep a “studio log” where the days accomplishments get recorded so you can track what actually does get done in the studio. Log the time you start, end and what you did. Don’t forget to include the time you spend thinking about making art even when you don’t get to work. Adapt as necessary to meet your own needs and style.

    Studio Log book

    Studio Log book

  • The log book can also be a place to record “next steps”, helping to kick start the next session in the studio by taking the element of overwhelm out of the “what should I do today” syndrome we often experience when we finally get into the studio.
  • Have portable projects that can easily be moved to another location outside the studio. There is a lot to be said for a change of venue when looking to be inspired.
  • Establish a regular “work time” but not so rigidly that you kick yourself when you can’t get into the studio. No beating yourself up! The Committee does enough of that.
  • To handle guilt about not finishing the many projects dangling in your studio, donate the pieces you no longer love, give away, throw away or in some other way, part with things you probably never will finish and make you feel like a slouch for not finishing in this lifetime. Someone else may really want to finish.
  • Self-promotion is one of the most important parts of showing your work. Create a self-promotion packet, create an artist’s statement with a professional polish that presents you in the best light. It speaks loudly about who you are.
  • The “Artist’s Trust” is a great resource for the business side of art. and Edmonds Community College has an Artist’s Trust program as well.
  • Set a timer and allow yourself a five minute (or other amount of time) clean-up period each day when you first arrive in the studio. Make it a part of your studio entry ritual if need be. Twyla Tharp in her book, “The Creative Ritual” advocates this sort of thing. (See Below for a couple of great examples from Twyla’s book–a great read if you need to get your creative juices flowing.)
  • If you look at what has lasted through time, art is clearly one of the more valuable things we have to offer. How can we as a group support one another in the future? Create an emailed list of resources and calls for entry.

“You may wonder which came first: the skill or the hard work. But that’s a moot point. The Zen master cleans his own studio. So should you.” The composer Igor Stravinsky did the same thing every morning when he entered his studio to work: He sat at the piano and played a Bach fugue. Perhaps he needed the ritual to feel like a musician, or the playing somehow connected him to musical notes, his vocabulary. Perhaps he was honoring his hero, Bach, and seeking his blessing for the day. Perhaps it was nothing more than a simple method to get his fingers moving, his motor running, his mind thinking music. But repeating the routine each day in the studio induced some click that got him started. ― Twyla Tharp, The Creative Habit: Learn It and Use It for Life

In the end, there is no ideal condition for creativity. What works for one person is useless for another. The only criterion is this: Make it easy on yourself. Find a working environment where the prospect of wrestling with your muse doesn’t scare you, doesn’t shut you down. It should make you want to be there, and once you find it, stick with it.  To get the creative habit, you need a working environment that’s habit-forming.

Studio of Laurie Kathleen Clark, WA SDA member, artist, and sacred space consultant for "Heartitude: Art + Soul"

Studio of Laurie Kathleen Clark, WA SDA member, artist, and sacred space consultant for “Heartitude: Art + Soul”

All preferred working states, no matter how eccentric, have one thing in common: When you enter into them, they compel you to get started.” ― Twyla Tharp, The Creative Habit: Learn It and Use It for Life

Thanks so much to Laurie Clark, for taking such comprehensive notes for the Fabricators group session! Laurie will be leading a special retreat and art-making workshop called ‘Honoring Our Ancestors with Art & Prayer” on November 1st.  Please see our SDA WA calendar for more info!

SDA Pres Jane Dunnewold meets WA SDA

SDA President Jane Dunnewold speaks to WA SDA

SDA President Jane Dunnewold speaks to WA SDA

 A wonderful treat for Washington state SDA members, Jane’s talk on October 12 focused on the psychology of being an artist.   Here are some points that this artist pulled out from her speech:

We should always be in a cycle that includes studying, analyzing, thinking, making, and critiquing our art.  We can feel as if we haven’t done enough… learn to be satisfied with the work you’re doing.  Look to find what’s your best path and turn inward to find it.  Connect with the mystical-the mysterious part of life we can’t understand.

Jane’s definition of “Alignment”:  when what you love to do is what you’re good at.  There is a learning curve to doing something really well- you need to practice.  Often, you start out wanting to play at something.  If you play around long enough, you start to understand it a bit and want to get good at it.  You need to keep at it to get good.  Persistence can be undermined in many ways.  You might feel you aren’t talented at something.  You shouldn’t look at comparing yourself… accept what you’ve got and go with it.  We’re all challenged with the difficulties of having a busy, crazy life.  Building time into your schedule for your art is important.

WA SDA representative Barbara Matthews introduces Jane Dunnewold

WA SDA representative Barbara Matthews introduces Jane Dunnewold

A huge negative influence on our artwork which we all feel is what Jane calls “the committee.”  These are the voices you hear or faces you see in your mind whom you want to please or for whom you want to have your artwork be good enough.  You may hear a specific voice saying “What are you going to do with that?”  Or you might compare your work with the work of an admired artist and feel you come up short.  It’s important for you to think about who you have on your committee… then fire them!  Learn to Say YES to your distinctive style and choices you make for your art.

We also need to develop our “Creative Stamina.”  Jane suggests we develop a program of creative strength training… like cross training in the gym… go back and forth between different activities that support your development as an artist.  These may include:

  • Cultivating looking- take a photo each day and post them online- engage seeing-closer,richer, in a more detailed way
  • Writing- even if not a writer it helps us organize and keep track; can do a Free Association- write a term at the top of a page and free associate for 2 minutes- can lead to design inspiration and ideas; write descriptions to help see more thoroughly and cultivate curiosity
  • Visiting museums & galleries
  • Reading about other artists
WA SDA members

WA SDA members

Work on being proud of every aspect of what you do.  The detail, materials you choose, and the finishing work- all of the craft needs to support the message of the piece.  You should practice “intentional making”, limit variables and simplify.

Each of us has a life that has elements that are fascinating… bring that out in your work!  Craft a statement about your work and practice saying it aloud so you can comfortably talk about your work.

WA SDA members

WA SDA members

Finally, don’t be afraid to make mistakes… it’s how we learn and grow.  Jane joked, “I’ve made so many mistakes and have been so good at it, that I’m thinking of making some more.”

Thanks so much to Jane and to all our members and guests who attended.  Coming soon- reports from our small group breakout sessions!

Study Surface Design with Jane Dunnewold

JaneWork directly with Jane Dunnewold in a 5-day workshop!  Three spots are  now open for this opportunity to learn mixed media techniques on textiles directly from the master.  Her workshop, “Surface Explorations” is at the Pacific NW Art Center on beautiful Whidbey Island from October 14th-18th.  Jane Dunnewold is the President of SDA, the creative genius behind Art Cloth Studios, and a well-know author.

Spend the week exploring a large subset of processes that can be used on paper and fabric – all of which should be in every mixed media artist’s toolbox.  These include photocopy solvent transfers, paper and metal leaf lamination, gilding, water media crayons, a French process called “devore'” – which literally “burns out” cellulose fiber when it is combined with synthetic paper or cloth, and the unexpected beauty of sanding into dry paint to generate gorgeous distressed surfaces.

HomePage1_lgFor more information,  registration, and the supply list go to:

Pacific Northwest Art School:  15 NW Birch St, Coupeville, WA 98239

For directions and lodging recommendations:

What Direction Would You Like To Take Your Art?

–Have you thought about mentoring or teaching a class or workshop?

–Would you want to build a body of work, prepare for a sale, or have a solo exhibition?

–Do you want to branch into a new material, do installation art, or make your art bigger?

–Do you want to get better at a technique or just have fun?

JanePlease join us October 12th for an SDA meeting open to everyone in WA State featuring Jane Dunnewold, SDA President.

Meet like-minded artists to share ideas about Jane’s presentation on Making and Meaning, as you think about your future, and about what could further your art.

See blog post on September 17th for more details by clicking HERE.

“Twelve Voices from One” – An online exhibit of The Art Cloth Mastery Program 2011

SDA WA member Jeannie McMacken from Port Townsend along with other SDA members just finished Jane Dunnewold’s Art Cloth Mastery Program. She and her colleagues just released a blog of their work. To view their work and learn more about the program, visit:

In other news – Jeannie will be holding a solo show at Pippa’s Real Tea and Gallery, 636 Water St, Port Townsend August 3 thorough September 29. Make the drive to view art, enjoy a brew of Pippa’s hand-blended teas, and experience the awesomeness of PT.


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Daytime Impact Dasha Dressed Doll

In stock

SKU: 91394 Category:

Daytime Impact Dasha Dressed Doll

Dasha™ is a 12.5-Inch completely articulated fashion doll with long, side-parted fully rooted hair and hand-applied eyelashes.

These days, everyone wants to meet Dasha in person. Hollywood’s newest darling is back in Paris after her incredible performance as Anika Luxottica! On her way to meet her agent and his team, Dasha means business in her perfectly tailored two-piece faux-suede suit, which features lace appliqués and matching piping, cut just at the right length to showcase her incredible legs! With just the right sorbet colored lace cami, accessories and black chrome chunky jewelry, Dasha is fresh and ready for her next big movie contract! This doll also includes a doll stand and a certificate of authenticity.

Note: The doll, fashions and accessories depicted in the following product photos are prototypes. Final productions colors and textures may vary slightly. This doll features our new hybrid eye screening method.

For adult collectors ages 15 and up. LE 700

Body Type: FR2013
Head Sculpt: Dasha™
Quick Switch Feature: No
Skin Tone: FR White
Hair Color: Platinum
Eyelashes: Yes, Hand-Applied

Available:  1 Doll


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Rs. 1,313

That pop of pink amidst a grey pallet of concrete structures caught her eye and she found herself gravitating towards it. As she got closer and closer, her eyes lit up. Her fingers touched the Bougainvillea flowers that seemed to reach out to her with the wind prodding them on. In that instant, she went back in time. She went back to when it was just man and nature and nothing else.

This made in heaven mul saree in pink is a must-have!

Length:  5.5 meters ; Width: 47 inches

Blouse Piece: No

Wash Care:

1. Hand wash separately in cold water and salt
2. Don't soak it in water for more than 5 minutes
3. Medium iron

Blouse:  Su, the model is wearing a blouse from our in house collection. To view similar collection -

Fabric: Mul Cotton

Disclaimer: The pictures are clicked in daylight. Color may vary slightly from the image due to the screen brightness.

The mul cotton is what we call ‘Made in Heaven’ at Suta. Known in West Bengal as mul mul, the fabric is what can be categorised as muslin cotton. It is believed that this fine method of weaving cotton can be traced back to even before the Indus valley civilisation. What makes this fabric special is the almost magical process of weaving it. Cotton fibres are separated and spun into strong threads. The lightest and the most delicate fibres are separated and are then spun into muslin thread. These are then woven into fabrics by skilled weavers. The history of muslin weaving is a beautiful chapter in the history of Indian textiles. The process of the yore was much more complex and involved many unique tools that look primitive but worked like magic. The upper jaw of a catfish was used to initially clean the cotton before spinning. To separate the lightest fibres, a Dhunkar (a bamboo bow) was used, which when strung in a distinctive way made the lighter fibres rise above the heavier ones. This process gave the title ‘woven air’ to the muslin fabric. Weavers famously wove on looms that were at ground level and operated the looms from pits dug in the ground. Even during the Mughal era, the muslin fabric was seen as a symbol of power for its finesse. History is full of anecdotes to prove the awe that the muslin fabric generated. Emperor Aurangzeb is said to have chided his daughter Zeb-un-Nisa for appearing naked in the court when in reality she had been wearing several layers of the muslin cloth! Such was the fabric’s delicateness. The almost invisible fabric had made an Arab traveller in the 10th century remark that the degree of fineness is such that a garment can be drawn through a ring of a middling size. During the British colonisation and even during the Mughal rule, the art of weaving muslin took a hit as weavers were treated poorly and drought hit many of the weaving centres. As a result, today, the process of weaving has seen a lot of change. Nevertheless, the essence of it hasn’t changed and the charm of the fabric still remains.

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History forgot his voice, but misquoted his silence.
Genre: Indian Mythology/ Mahabharata/ History
Premise: 5000 years ago, Arjun the superlative warrior paused on the eve of Kurukshetra battle. His poignant question, “How many should die for the sins of a handful?” churned with charioteer Krishn’s, “How many times the sinful should be forgiven for the lives of countless?” to create the Bhagavad Gita.
Arjun, the idealist in a non-ideal world. He held the power to unleash devastation – and the compassion not to misuse it. He was idolized for defeating demiGods & demons – and ridiculed for not being ruthless. He was Heaven’s heir – and endured exile after exile. His love Draupadi – had to become the wife of his four brothers. He was the peerless archer, the seductive monk, the epitome of masculinity, the danseur eunuch, exemplary student and eternal seeker of knowledge – all in one roller coaster Life.
Come, join Arjun’s turbulent journey. Unravel his emotions, passions and angst.
Find ‘other’ famous Arjuns, compare Arjun vis-a-vis Achilles & Alexander and explore Myths of Mahabharata.
Discover Arjun beyond the warrior extraordinaire.
Note: Draupadi’s narration in the book is marked with *** symbol. Arjun’s narration is without any symbol.
Youtube Trailer: https://youtu.be/ToTEldixJDA

Feel free to ask me questions: author-of-arjun-without-a-doubt
WIN an ‘Author signed’ copy today! Goodreads Books

Click here: https://www.goodreads.com/giveaway/show/146743-arjun-without-a-doubt


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4 Big City Books That Make Me Swoon

We all know those classic, small-town swoony romance books that just melt our hearts—you know, with the cute boy next door or the new girl who just moved to town. But I’m a sucker for love stories that happen right in the middle of a big city, reading about love at first site in the middle of the afternoon rush or adventurous first dates near the Eiffel Tower. After reading these books, I just want to get up and go explore somewhere new! Check out a few of my favorites below.

No Holding Back cover.jpg

No Holding Back by Kate Evangelista

I get heart-eyes for best friends who fall in love! Nathan and Preston, who have been best friends since forever, take a trip across Europe that changes everything. Nathan is in love with Preston, but needs a little courage to confess. And a romantic European destination might be just the place to say those three words.

Check out the full description below!

Everyone knows that Nathan is in love with his best friend, Preston… Everyone except Preston.

Nathan has always accepted that Preston was too focused on his swim training to worry about love. But Preston is heading off to train for the Olympics soon, so if Nathan wants his chance at love, he has to speak up now. But saying “I love you” is surprisingly difficult, even for someone as confident as Nathan. Maybe a whirlwind vacation in Europe could help?

But… what if it doesn’t work out and he loses the best friend he’s ever had?

The Way You Make Me Feel cover.jpg

The Way You Make Me Feel by Maureen Goo

This is, by far, one of my favorite summer reads! Set in LA, this book gives me all the feels, from Clara’s sunny California adventures to the delicious Korean-Brazilian fusion cuisine that’s sold at her dad’s food truck—The KoBra (get it?). And can we talk about the way Clara and her cutie Hamlet make me feel?

Check out the full description below!

From the author of I Believe in a Thing Called Love, a laugh-out-loud story of love, new friendships, and one unique food truck.

Clara Shin lives for pranks and disruption. When she takes one joke too far, her dad sentences her to a summer working on his food truck, the KoBra, alongside her uptight classmate Rose Carver. Not the carefree summer Clara had imagined. But maybe Rose isn't so bad. Maybe the boy named Hamlet (yes, Hamlet) crushing on her is pretty cute. Maybe Clara actually feels invested in her dad’s business. What if taking this summer seriously means that Clara has to leave her old self behind? With Maurene Goo's signature warmth and humor, The Way You Make Me Feel is a relatable story of falling in love and finding yourself in the places you’d never thought to look.

The Sun Is Also a Star cover.jpg

The Sun Is Also a Star by Nicola Yoon

Natasha and Daniel only have twelve hours to fall in love, but anything is possible in New York City. Natasha and her family are about to be deported back to Jamaica and she doesn’t have time to fall in love, but after just one look, Daniel knows she’s the one for him. 353 pages, twelve hours, and one heart-throbbing love story for the books. I fell in love with Natasha and Daniel as they fell in love with each other!

Check out the full description below!

Natasha: I’m a girl who believes in science and facts. Not fate. Not destiny. Or dreams that will never come true. I’m definitely not the kind of girl who meets a cute boy on a crowded New York City street and falls in love with him. Not when my family is twelve hours away from being deported to Jamaica. Falling in love with him won’t be my story.

Daniel: I’ve always been the good son, the good student, living up to my parents’ high expectations. Never the poet. Or the dreamer. But when I see her, I forget about all that. Something about Natasha makes me think that fate has something much more extraordinary in store—for both of us.

The Universe: Every moment in our lives has brought us to this single moment. A million futures lie before us. Which one will come true?

I See London cover.jpg

I See London, I See France by Sarah Mlynowski

Here’s another Europe adventure that made me want to pack a bag and fly to France! From London to Monte Carlo to the delicious Belgium waffles in Bruges, Sydney and her best friend Leela hit all of the big cities and meet a cute boy or two on the way. And where better to fall in love than in Paris? Also, I must admit, reading about the food at all of these countries made me hungry!

Check out the full description below!

Nineteen-year-old Sydney has the perfect summer mapped out. She’s spending the next four and half weeks traveling through Europe with her childhood best friend, Leela. Their plans include Eiffel-Tower selfies, eating cocco gelato, and making out with très hot strangers. Her plans do not include Leela’s cheating ex-boyfriend showing up on the flight to London, falling for the cheating ex-boyfriend’s très hot friend, monitoring her mother’s spiraling mental health via texts, or feeling like the rope in a friendship tug-of-war.

As Sydney zigzags through Amsterdam, Switzerland, Italy, and France, she must learn when to hold on, when to keep moving, and when to jump into the Riviera…wearing only her polka-dot underpants.

How about you, Swooners? Share some of your favorite swoony destination books with us in the comments!

Author spotlight

I am a Marketing and Publicity Assistant and support the Swoon Reads team as needed. I also write for the …

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FAQ – Eligibility Update (This means you, Wattpad users!)

Hey Swoon Readers!

As you probably already know, we’ve had several questions about the exclusivity clause in our Terms and Conditions. (We even posted a blog letting you know that we were working on it.) And now, we’re happy to announce that we have an answer! Here’s the official language from our new Terms and Conditions*:

2. All Manuscripts submitted: a) must be original works of book length (no less than 160 typewritten pages or approximately 45,000 words) written in the English language; b) must be written solely by the registered user submitting the work; c) must not violate any right of any third party or be libelous; d) MUST NEVER HAVE BEEN AVAILABLE FOR SALE AND MUST NOT BE AVAILABLE FOR SALE DURING THE 6 MONTH EXCLUSIVITY PERIOD ON SWOON READS; e) must not be under consideration for sale by any third party (e.g. publisher, retailer, website) during the exclusive period and f) must follow these rules and guidelines.

The key word here is “SALE.” If you have ever made money from your manuscript—whether through a traditional publisher, Amazon, iBooks, Smashwords, or any other self-publishing method—then, sadly, it is not eligible for Swoon Reads.

However, sites like Wattpad, Figment, and Fanfiction.net, among others—where you share your work, but don’t make any money from it—are completely eligible. And, we DO NOT require you to remove your work from these sites. So, if you have a finished YA romance, we’d love for you to submit it. And maybe even tell your readers there to come over and rate it on Swoon Reads!

* (The update is with the developer now, and should be visible on the site soon!)

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Swoon Reads Staff

For more information, check out the "Meet the Team" section of our About page (swoonreads.com/about).

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Backpacking in Western Europe

I have previously posted notes and information on backpacking and travel. This doesn’t fit with the theme of the previous post, so I am seperating them. I’ll probably do this going forward.

A backpack on a chair in a random room.

Backpacking in Western Europe is a little different from elsewhere.  Specifically, how busy it seems all the time. The majority of the people I talk with in hostels are on vacation for a few weeks. I am well into Shoulder Season and there doesn’t seem to be any signs of slowing down.  Recently, in Frankfurt, I overheard a backpacker being told there were no beds for that evening.  Perhaps this is because Frankfurt is a hub of employment in Germany and Europe, but AirBnB seems to reflect this activity.

I am finding if I book on AirBnB less that two weeks out, the availablility isn’t there. If there are spaces available they are usually very overpriced.  The same is true for train travel. If I want inexpensive European train prices, I have to book more than two weeks out.

This isn’t a huge hardship for me. I am excellent at planning and enjoy doing so.

It does change the travel experience.

While backpacking in South East Asia, I could just show up at hostels and there would always be a bed.  No booking ahead of time. This led to a much more fluid and spontaneous type of travel. If talking with backpackers, you might hear about some place or thing that is really cool and you can just leave the next day.

In Europe it is more like taking a tour. You have everything laid out for the next few weeks and kind of walk through the travel.  This isn’t better or worse, it’s a different style of travel.


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There are few tablets out there that are rugged and even fewer that claim they’re indestructible. We have the Panasonic ToughPad and now a new model called the Fujitsu Arrows LTE Tab, an Android slate that can be submerged under water completely without problems.

This is a 10 incher model with a 1280 x 800 pixel resolution, Android 3.2 Honeycomb on board and Tegra 2 as the CPU. There’s also 1GB of RAM available, as well as 16GB of internal storage, a microSD card slot with support for 32GB of extra memory, a microUSB port and a microHDMI port. The CPU inside is the usual 1GHz Nvidia Tegra 2, so the specs here are average but the external shell is the selling point, since it’s resilient.

Right now, this model seems rather prone to diving not very strong shocks, so the Panasonic ToughPad A1 might actually be better. I’d have to see them side by side and run them over with a car to know that… Promo video below:


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5 Vitamins to Add-In Our Daily Diet!

Gulping tons of medicine is definitely not likeable for us when it comes to being sick. Not only in fever or flu but ADD medicines, psychiatrists prescribed medicines, taking care of all of them is a huge task to do. So why even bother to be dependent on medicines when we can avoid physical and mental sickness by consuming supporting vitamins? Let’s have a brief look at which foods to add in daily life to avoid medicines!

1.Vitamin A- immunity booster

Vitamin A is most vital since it’s beneficial for the crucial systems of the human body. A healthy immune system, reproductive system, cell health, and a perfect vision; Vitamin-A makes sure to boost the strength of our lungs and heart and improve the immunity to fight against cancer as well. There’s a couple of types of this vitamin i.e. provitamin A and preformed vitamin A. The former can be consumed through dark-colored fruits and veggies while the latter is found in dairy, fish, and meat.

2.Vitamin E- detox at hand!

Vitamin E does wonders on your skin and hair if you consume vitamin E on a regular basis. All the foods having abundant fats say, nuts, seeds, and vegetable oil; green veggies and cereals are also a great source of this vitamin. Not only does it cure skin diseases but it anti-oxidizes our passages off of the dangerous air molecules we breathe.

3.Vitamin B6- no more blues

B6 has so many great purposes to serve especially in the aspects that are not given much attention to. For example, when your body is not making enough serotonin and you are getting depressed. It also works great to help women PMSing. No more lagging off assignments, just add beans or peanuts, veggies, milk, cheese, and eggs here and there in your daily diet!

4.Vitamin D- the sun was not important

As important vitamin D is for the strength of bones, it’s a little bit difficult to consume it raw. This vitamin is usually added along with calcium supplements to help avoid weak, painful, and brittle joints. Vitamin D can be found in egg yolks, beef liver, and fishes like salmon or tuna. However, the easiest way for your body to be sufficient of Vitamin D; you can just expose your body to sunlight. Ten minutes of regular sun exposure and you’d get your fix!

5.Vitamin C- goodbye to the flu!

Vitamin C helps the human body fight better against the colds and flu in rough weather. Vitamin C produces collagen that strengthens the muscles, cartilage, and blood vessels. Since the human body itself cannot make it we can get it by eating foods that are rich in vitamin C. Fruits with vitamin C are orange, grapefruit, lemon. Moreover, tomatoes, strawberry, and kiwi- all of these are abundant in vitamin C. You can always eat these fruits on the go, or as a snack, easy peasy!

Taking a healthy number of vitamins on a daily basis does not dramatically make you medicine-free; however, you can benefit yourself in long terms. Bones, skin, immunity and cell growth are things which don’t make or break in one day, to strengthen your body parts and various systems; you can make sure to do the best you can through your diet!