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Thursday, June 05, 2008

Saved by Target

Oh thank goodness.

First of all I can't in good conscience do an I-hate-the-heat post when actually the wind kicked up last night and this morning it was RAINING and COOL and FABULOUS. By the way, I'm totally taking credit for that. The headlines will read, "Global Warming Reversed By Courageous Blogger! Threat of Weather Related Whining Produces Record Cooling! Nobel Committee Seriously Considering Blogger's Request to Add Propeller Beanie to Prize Package!"

But second something wonderful happened yesterday. I went to Target (that wasn't it) with Child 3 (which was nice, but that wasn't it either) and as we passed the charming, chortling baby (also delightful, still not it) I saw it. IT. The thing. THE THING. It's here. Really, click the link, go check it out and then decide if this is not a miraculous gift to blogging?

But. I've read at least three of the lines of text on that home page and I think this company has missed a serious marketing opportunity here. What does the owner of a Mangroomer need?

mujja said...

OMG! that is superb.....the oppertunities for ridicule are endless!.....topiary....rude words...trimming to enhance flab definition....perhaps stenciling as you suggest with dye being used on the remaining hair to produce works of human art...not to mention buying one for someone...the gift that says "you are gross" like no other gift can!

Anonymous said...

Tattoos are so yesterday. What will you call your new product?

Anonymous said...

I don't get it. - Cadet

wheelsonthebus said...

You are a total whack job. You know that, right?

Child 1 said...

well thats a waker upper, imagine scanning through random blogs and coming up with that???

For Kirk said...

mujja - eeeeeeggzactly! The only thing in my experience that comes even close is when the Male Child shopping for a present for its female sibling was very seriously considering the nose hair trimmer.

anonymous - oh! The pressure! I don't know really... maybe FurrstampZ? You know, something that basically says, "back hair! With bling, yo!"

cadet - you did follow the link, right?

wheels - well... yes. What's really sad is that I spent time searching for the perfect hairy back, spent time making the images and was then going to spend a whole lot more time to make it really, really convincing. Then I remembered I do have a life. Sort of.

Child - sorry about that. Just add it to the scars you'll need to explain to your therapist later, m'kay?


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Monday, May 27, 2013

I'm Still Here!

Hi all, just thought I'd touch base to let you know that I am still alive and well. My life is still quite busy and unfortunately no stitching is getting done. I haven't even purchased any needlework for a very long time.

My love life is blossoming though and have been with my boyfriend for over two years now. He's amazing and such a wonderful person.

Since I don't have any stitching to show, I thought I would show you my adorable cats. They are both well and are great company for each other.

Charlotte ~ 6 years old

Sophie ~ 12 years old

I'm not sure when I will post again but I wish everyone lots of happiness and good health. One day I will get back to my stitching and I plan to share my journey with you all again. Til then, please enjoy your own stitching and sharing it amongst one another.

The happiest of stitching to all!

Melissa said...

Lovely to see your post Jane! It's nice to get photos of the girls. They are ever so pretty! Glad to hear love is in full bloom and I look forward to hearing about it one day! ;-)

Nicole said...

Hi Jane! It's great to hear from you! You've been missed! I'm so glad to hear that you're in a great relationship!! :)

Jennifer said...

So great to read your update Jane! all the best and glad to hear the great news . The cats look beautiful! .
Enjoy yourself!

Loraine said...

So great to hear from you Jane! It was great to hear that you are still with your boyfriend, and that life has been good to you. I wish you all the best.
I do miss your stitching. I was looking at our Baby Bug Ball the other day, and thinking about our SAL. That was fun to do together.
Take Care, and stop by again soon.

Katrina said...

Hi Jane, lovely to see a post from you - love the photos of your kitties, they are just beautiful. Best wishes,

Anna Zont said...

Hi Jane! Happy to hear you. I am very glad you are OK! I miss your stitching.
You cats are very sweet.
Come back to stitchig Jane!
Best wishes,

Melanie said...

It's always great to see an update from you. :)

Yuko said...

How have you been doing?!
I'm so happy to see you posting!
I have been busy and haven't been stitching at all, so I haven't been updating my blog, too.
Hope you'll come back here again to share your beautiful works with us!

Karoline said...

Lovely to her from you & it's good to hear life is going well.

The cats are looking very cute

Just Me and My Shadow said...

Wow!! So odd to just come across this post from you right now Jane as I was only thinking about you just a few days ago and wondering how you were. Good to hear all is going well for you. As for the stitching....I am the same, have hardly touched my needle in ages but I guess when the time is right, maybe I will get back to it too! Take care and lovely to hear life is good for you.

Ma Teakettle said...

So glad to see a post, dear, and hear that life is so happy...wishing you many more :)
Keep well

April Barnswell said...

Hi, Jane. I've only recently come to learn of your blog, and I'm so impressed with it! Your stash, your lovely stitching, your darling kitties... it's all very amazing. I hope you'll come back and treat us to more of your creativity and lovely photographs. - April in the U.S.

Poussy Stitches My Love said...

Coucou ! bisous from FRANCE !

Anette kincsei said...

Very Beautiful youre cats!!!!!

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Monday, November 3, 2008

Miss MyMy New Retail Location

Just in time for the holidays, Miss MyMy brings beauty back to Toronto with the launch of its new flagship spa and showroom.

Give the gift of beauty this holiday season! Maya, founder of the Miss MyMy™ line of skincare products and hair extensions, opens her first spa and showroom, where clients can relax and feel beautiful. This Tuesday, November 25, 2008, from 7 pm to 10 pm, Miss MyMy™ holds a cocktail reception in which visitors can experience Miss MyMy's signature care (19 Jutland Rd., Etobicoke).

Miss MyMy™ offers a breakthrough in exfoliating liquid facial products. Made with natural fruit acids (AHA), it is non-irritating and safe on all skin types. With just one application, it instantly smoothes and softens the skin.

In addition to the facial products, Miss MyMy™ specializes in organic hair extensions that have never been chemically processed. Handpicked from exotic locations around the world, Miss MyMy™ seeks only the finest quality and craftsmanship.

Miss MyMy™ has additional expertise in handling hair of all colours and types, including virgin-grey and ethnic hair. The company works with lengths ranging from 8 inches to 50 inches, without any risk of tangling, matting or shedding. Miss MyMy™ processes the hair onsite, colours, perms and processes it to give clients the custom look they want, without any damage.

The showroom and spa is an elegant and modern space, with high ceilings, art-deco furniture and Asian inspired decor.

Clients can sit at the beverage bar and enjoy a cappuccino, while the experienced staff members serve them, with discretion and confidentiality.

Garnering international acclaim, Miss MyMy™ supplied hair extensions and wigs for Jaimie Fox's tour Unpredictable and for Jude Law's up-coming sci-fi thriller Repossession Mambo.

Miss MyMy's success and global reach has also given her the opportunity to work with the Angel Hair for Kids Charity, supplying hair care to underprivileged children who have suffered damaging hair loss.

The Miss MyMy™ brand stands for excellence in beauty products and customer service. The launch of the new flagship showroom will allow clients to experience only the best!

Our extensionist and my youngest son.

The wine/coffee bar except no one drank coffee

The Analysis In Hair crew

My two boys.

Tuesday, May 20, 2008

Fijian Hair Goes to Cuba

For all those who don't know... I'm Maya...I usually wear 26 inchs of Malaysian straight hair...but I just might go curly for the summer. Fijian hair ranges from a very tight curl to a loose curl. I am wearing the tightest curl.

Check out my trip and find out more about this Fijian Hair.

Tuesday, April 29, 2008

Miss MyMy in a Sci-Fi Thriller

Look out for Miss MyMy in the new sci-fi thriller Repossession Mambo starring Jude Law and Forest Whitaker.

More Miss MyMy Press

Repossession Mambo Info

Friday, April 18, 2008

Benefits of Top Quality Hair Extensions

Who would spend $200 and up for hair extensions?

Many people would not or could not, many do and more still would if they knew what they were paying for.
If they knew that Miss MyMy:
- dedicated to its customers.
- guarantees all its hair.
- specializes in virgin organic hair (no chemicals).
- made a vow to supply its customers with the best hair in the world, at the best price possible.
- scanned the world for not only the best hair but the best craftsmanship to create its hair pieces, sourcing hair from Fiji to Europe.
- our hair is reusable and can be worn just like it was growing from your head.
- customer service was top priority and someone always answers the phone and returns emails
- ambience at the flag ship store is such that you are treated like the queen you are.
- would not sell you something you don’t need just to make a sale.
- spends a great deal in research and development of new products for its line of hair care products.
- hair can be professionally processed to your every desire.
- there was never a charge for a one on one consultation.
- we always go the extra mile.

Now you know.

Miss MyMy Goes to Beijing

You guys know I love you so I'll take you wherever I go.

Join Me on my recent trip to Beijing and Hong Kong. Let me just say that China in the winter is FRRREEEEZZZING. I usually go a few times a year but since the Olympics will be there this summer I thought I would make a winter run...WOW...I don't think I'll do that again.

View the pictures.

Tuesday, February 19, 2008

Miss MyMy Carries Natural Virgin Grey Hair!

Very rare, and very sought after, these gorgeous silver locks are used for theatre and movie productions or for those who are naturally grey and experiencing hair loss and would like to maintain their look.

Miss MyMy is thrilled to provide this rare virgin hair in lengths ranging from 10 inches to 30 inches.

Pricing or Purchase

What is harder to find than top quality virgin hair?

The same top quality virgin hair in rare long lengths.

But if long length is what you are looking for, length is what Miss MyMy can deliver!

Imagine long flowing virgin hair in lengths anywhere from 26 inches to an amazing 50 inches!

If you have tried in vain to find good quality long hair that does not matt, tangle or shed or look like shredded Barbie hair, you are not alone. Poor quality shows on long hair immediately. It will be frizzy dry and certainly will not move in the same way bouncy long hair should.

Our virgin hair is not only available in rare long lengths, but this hair can then be processed - coloured, permed or otherwise processed to give you the custom long look you want, without any damage.

Don't settle for shorter lengths when you really want something longer.
With Miss MyMy, you can have the look you want, the quality you deserve, without breaking the bank.

Pricing or Purchase

Tuesday, January 29, 2008

Lace Wigs, Hair Extensions in Toronto

You asked for it, Miss MyMy is delivering!

The Miss MyMy Retail Location is on it's way!

The only full service virgin human hair and wig supplier of it's kind in Toronto.

No more wondering where to go to get the best quality human hair and products, no more searching in vain for the top stylists to maintain your hair, and no more worrying about the quality of your investment.

Our unique retail location will offer you:

  • A professionally designed location with over 1400 sq/ft of retail and service space.
  • The ability to see and touch our wide selection of virgin hair from Europe, Fiji, India and Malaysia. Literally browse and hand pick the hair you want. With our hair, the touch is the difference, and with our location, you will be able to really see and experience our hair and know exactly what you are investing in.
This is no Beauty Supply Store!

  • Imagine a spa, for your hair. No hair hanging in bags, but full service, selection, consultation, and support.

  • No more worries about finding the best stylist to install your wig or extensions. Our retail location will have private application rooms and top notch professional stylists for personal consultation and application. Full repair services will also be available.

Miss MyMy only works with the best to give you the best!

  • Love our hair, but want to customize the colour and texture? The days of trying to get the exact look you want are over with our professional line of custom colour, perm and styling products - explore our expansive line of Miss MyMy Colour, Miss MyMy Perm, Miss MyMy Shampoo, Conditioner, Hair Serum and more!

We thank you for your time and look forward to offering you this location where we can continue to provide you with the best products and services.

All the best,

The Miss MyMy Team


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Saturday, September 26, 2009

Hubby took Mess 2 to Children's a few days ago to see the ophthalmologist for her six month checkup. It was a long appointment for them since they dilated her eyes and did a number of tests. Plus my poor girl was very sick; she and I had been in the ER the night before because she was having such a hard time breathing (thankfully her O2 levels were good), so she was low on sleep.

But the good news is her eyes are improving and the odds of her vision correcting by the time she is a tween/teen keep getting better. We also found out the lazy eye part is not due to weak muscles (so not patching her was the right thing to do), but a result of her trying so hard to focus. Her vision is still as bad as mine is so I have some idea of what it's like for her without her glasses, and I can see how she'd go cross eyed trying to focus. I don't even try, it just gives me a headache.

So the optometrist here in town is getting her new glasses, which is good since her old ones aren't working well at all. They are way too small, and the earpieces broke during the move (yes eight weeks ago). They were replaced once with earpieces from a pair that didn't quite match or fit, but one broke again within a week. We tried various types of tape, but then finally gave up and let the half earpiece do its best. They really are pretty pathetic.

Once we get the new ones in I'll post pictures, both of her current pitiful pair, and her fun new, purple, pair.

Thursday, September 24, 2009

Road Trippin'

Mess 1 and I went on our first long road trip together a few weeks ago. My grandfather (Pepaw) had just come home after a stay in the hospital and a rehab center, so we went to help out for a few days while my father was out of town.

Mess 1 was a real trooper, handling the two 10 hour days in the car like the seasoned traveler he is. Of course, getting to watch movies for the whole trip helps. :0)

It was a fun trip, with some very memorable moments:

  • My boy did get tired of the movies toward the end of each day, so I'd start the praise and worship playlist on my iPod. Whenever Toby Mac's "Lose My Soul" would start he would perk up, and then he'd ask me to play it again and again. He loves that song, and I love listening to him sing "I don't wanna gain the whole world and lose my soooouuuul."
  • We also heard Audio A's "Big House." I don't think he's ever heard it, but he perked up when they mentioned football, so we listened to it a few times. Days later he asked for the "Big song." And then proceeded to sing most of the chorus. The child's memory for music continues to amaze me.
  • At one point, after asking him repeatedly to be quiet for a few minutes so I could deal with the traffic, I finally had to call his name in my mean mama voice. His response: "Aw man!" but then he was quiet. It was too funny.
  • While Mess 1 was talking to Hubby on the phone, Hubby handed the phone to Mess 2. My sweet boy said "Hey sweetie-girl." I hope he calls her that forever.
  • Two days later while talking to Hubby he said "Can I talk to my sister?" I hope he always wants to talk to her.
  • Mess 1 fed Pepaw popcorn while they read the Sunday comics
  • Pepaw was sitting in the recliner with his feet up at one point when he wasn't feeling well, and Mess 1 kept walking over to him and patting his arm and asking "Are you OK, Pepaw?"
  • Mess 1 told both the PT and OT that came to my grandparent's house "That's not Mr. John, that's Pepaw!"
  • We stayed with some friends the last night of our trip to help break up the drive home, and he shared the bed with me. I accidentally woke him up at 2:30 in the morning trying to get him to stop digging his knees into the middle of my back; he then chatted to me about who knows what until almost 5. I did at least get one nice hug/"I love you, Mom" out of it, but man the drive home was rough
  • And just for the record, the boy watched Aladdin five times, Mickey's Three Musketeers six times, and Monsters Inc. twice. I tried to tell him I had other movies (at least 10), but he wasn't interested.

I can't wait to see what future car trips hold...


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Friday, June 19, 2009

Quick Tip: Gloss vs. Flat Sealer

A gloss sealer will give the model a smooth, glass like finish; a flat or matte sealer has a rougher texture. But Gloss and flat sealers do more than change the finish on a model.

For instance, decals are easier to apply, and will last longer, on a gloss surface.

Here's a quick breakdown of which surface is better for various techniques:

Overall washesOil filters
DecalsPanel line washes
Protect acrylicsDrybrushing
Oil filter (dot method)

Knowing which sealer to apply for which technique will help you decide in which order to apply weathering techniques.

For instance you should always apply a gloss layer before and after applying decals. However putting gloss over pigments/pastels will likely make most of your effort disappear.

Uncle Puck said...

Good tip, MisterJ. I also like to add matte (usually a spray to cover the whole miniature) as a second coat to dull that shiny finish.

Of course, if you want gems, metals or glass monitors to shine, you can do the reverse, and paint a gloss over matte as well.

~ Pax ~

misterjustin said...

A gloss spray for hardness, followed by a matte spray to reduce shine, also does a great job of protecting models that will spend a lot of time on gaming tables.


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Friday, October 29, 2010

My Best Vacation Ever

This blog post was written by my cousin Ethan who visited with us last month with my grandparents:

I love being on Watcha Gonna Do.

When I went, we stayed in a marina in La Paz for a few days, and then we sailed for about 4 – 5 hours to an anchorage right next to a fishing village where I went snorkeling for the first time in my life.

After 2 days, we went to a different anchorage, which was where we just hung out for a few days.

After that we went to a place called Ensenada Grande, where there were lots of plankton called fosse fressents. They glow up at night if you move around in the water! They’re always there, but you can’t see them in the day.

After that we went to an anchorage for a few hours that had lots of sea lions, and then we sailed to an anchorage in La Paz.

While we were sailing back, we caught 2 huge female mahi mahis, which we ate for supper (Bubby made ecra (caviar) out of the eggs).

When we were back at La Paz for the last night, we walked around in a carnival for 2 hours.

Thank you, Bubby and Zaida for taking me on this wonderful trip, and thank you Barb, Michael, Danielle, and Harrison for having me on the boat.

-Ethan Gottesman-Kaplun (back in Toronto)

  1. Not only did we get to do all that, but on the way back to La Paz we capped off the trip by seeing a spectacular pod of dolphins swimming right beside and in front of our boat. It was great having you on board and hope you also enjoyed driving the dinghy.

    Uncle Michael -- In California

  2. Ethan, you forgot to mention that you also helped your cousins with their daily chores!
    It was a pleasure watching you all participating and having fun with each other. You were a real trouper!


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Sunday, November 19, 2017
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WICB CEO Dr Ernest Hilaire set to resign

hiaireDr. Ernest Hilaire, the outspoken and often controversial chief executive officer of the West Indies Cricket Board (WICB), is leaving the job.

Hilaire is expected to leave the WICB to be St. Lucia`s ambassador in London in September.

The new St.Lucia Labour Party (SLP) government, headed by Dr. Kenny Anthony, is believed to have decided to send him as the envoy, reports Caribbean Media Corporation(CMC).

Hilaire has already informed the WICB that he does not want to renew his contract.

The WICB has since moved swiftly to initiate the recruitment process and has advertised to fill the position.

A prominent strategist and influential member of the SLP, Hilaire had taken leave from his WICB post to join the campaign trail in St. Lucia late last year before the Kenny Anthony administration was returned to office in November.

Hilaire and current WICB president Julian Hunte were also closely involved in St. Lucia elections in 2006, when Hunte was a losing candidate.

Hilaire, who holds a doctorate from the London School of Economics and degrees from the University of the West Indies (UWI) and Cambridge, took over as CEO of the WICB in September 2009 in place of Donald Peters.

His tenure has been regarded as turbulent in several quarters, involving public spats with former West Indies Players Association chief Dinanath Ramnarine and contentious handling of issues relating to senior players, most notably Chris Gayle.

Hilaire also served as chief executive of Cricket World Cup St Lucia Inc, when the Caribbean hosted the ICC showpiece five years ago. (IANS)

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Our Devon Crabs are sustainably caught in permanent pots anchored deep on the seabed and are proudly harvested by Alan Steer and his crew aboard the Superb-Us out of Dartmouth.

A growing body of restaurateurs is voicing the opinion that West Country Brown Crab now rivals any caught off UK shores, and that is music to the ears of Alan Steer, a third generation shell fisherman who runs the 45-foot Superb-Us out of the historic Devon port of Dartmouth.

“We are hearing that our Crabs are not only larger but have whiter meat than many UK-caught Crabs and we need to spread the word,” he says.

Alan fishes about an hour’s sailing time from Dartmouth and has 10 rows of pots permanently anchored on the seabed at about 60 metres, deeper than many Crab fisheries, which he thinks may account for the quality of his shellfish. Every other day the pots are lifted, emptied, re-baited and returned to the seabed, with any undersized specimens or females with eggs immediately returned to the water. “Sustainability is a priority for us; under the Inshore Potting Agreement, this is my patch and good stewardship is vital for healthy stock levels and good catches,” he says.

Superb - Us
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There aren’t several things more irritating than a carpets and rugs loaded with staining. What’s more serious, there are some rug stains that normal cleaning up strategies can’t deal with. When this occurs, you need to seek advice from a professional. If you need to get yourself a expert carpet solution, make use of this write-up to help you.

Prior to hiring a carpets and rugs cleanser, you ought to find out their standing. You can find several companies to choose from, and there are the types that one could depend on greater than other individuals. Question your friends and relations when they can provide a reference, and be sure to also examine online reviews to get information. In the event you investigate carefully, you will be able to find a company you might be satisfied with.

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Use cooking soft drink as a rug deodorizer. Most deodorizers are merely preparing soft drink together with some perfume. You can save a great deal through the use of some preparing soda prior to getting a specialist rug cleaner. If you prefer a scent, mixture vital skin oils with the preparing soda and let it dried out.

Question the washing business once they do background record checks on their staff members. If the company hires ex-cons, move them proper over. Most quality organizations will work a complete backdrop verification and will be pleased to inform you so. If they don’t want to offer you an effective response, you probably need to keep seeking.

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Each organization has its own method of cleaning rugs and carpets. For instance, particular firms focus on washing through absorbent pads. This technique utilizes devices which is similar to huge ground buffers. It employs absorbing patches which spin that absorb the gross viruses, fungus and soil from beneath the rugs and carpets.

When employing any carpet cleaners assistance, always ask initially in regards to the professional services which can be incorporated. Some companies provide you with a specific price but tack on charges. You must agree on the assistance and value just before they start functioning. Find out exactly what is included in the bill so that you don’t shell out over within your budget.

For further particles that are in the carpeting, vacuum from the grain. The friction made helps the cleaning approach. You are able to thoroughly clean the dirt trapped at first glance from the carpeting by following the grain when vacuuming.

Don’t select a firm to wash your carpets and rugs based on the new technologies they claim to work with. It doesn’t make a difference whatever they are utilizing, it’s a person working with it. Are your concerns clarified properly? Is it friendly? These are several traits to find.

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The unsightly stains in your rug may be unsightly, but this may be solved. 1 get in touch with may have a carpet cleaning assistance in your doorstep. Make use of the information from this post the very next time you have to have your rugs and carpets cleaned out. Enter into the habit of smoking for cleaning your carpet on a regular basis to increase this expense. Want to dig deeper into view now – visit today click here or office painting.

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Wednesday, May 29, 2013

Ky Hollenbeck motivational quotes

I have these written down on a paper I keep in my gym bag. Daily affirmations and motivations to keep me motivated for this fight. Keep your mind on the things you want and off the things you don’t want:
The will to win is important, but the will to prepare is vital
The harder you train, the easier the game
Some people dream of success… while others wake up and work hard to achieve it
Look famous. Be legendary. Appear Complex. Act easy. Radiate presence. Travel light. Seem a dream. Prove real.
The act of taking the first step is what separates the winners from the losers.
Prove the doubters wrong by proving yourself right.
And of course last but not least… YOU CAN”T STOP CRAZY

Click for more Motivational Quotes.

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Sunday, February 5, 2012

Joe and his "Daily Mugshots"

Chip off the ol' block. Joe gets my laptop, launches photobooth, and starts shooting. He gets such a kick out of the countdown timer "3...2....1" and then click the shutter fires and the end result are the funniest shots he's taken of himself.

He loves to pose too. Thinks up all kinds of faces to make for the camera. Unlike me, his selfie mojo never fails him. His older bro has photobombed many of his shots, but Joe never flusters. He just keeps on shooting! PS: Happy Anniversary, Mom and Dad. You have no idea how much I miss and love you.

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Merton Sings Christmas

‘Merton Sings Christmas’ is a collection of 12 Christmas carols performed, written or arranged by Merton musicians, performed by 8 Merton choirs – Wimbledon Community Chorus, Wimbledon Choral Society, St John’s Singers, The Grove Singers, MMF’s Young Voices and VoiceBox choirs and children from St Mary’s RC and Holy Trinity C of E Primary schools. The project came about as a collaboration with Doxa Deo’s ‘Christmas Lunch on Jesus’ project, where hampers of fresh food are delivered to around 500 families in the borough.

Proceeds from CD sales will go towards MMF’s ‘With One Voice’ singing strategy, providing more opportunities for the community to sing and make music together.

The CD can be purchased at £10.00 plus £1.50 for P&P.

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Monday, February 11, 2013

CMRL ( Chennai Metro ) - RTU Testing

RTU Panels for CMRL are based on SIPLUS-RIC Platform

CMRL - RTU Panel Test in Progress
RTU Panel Testing on Actual RTU Panel for Koyambedu RSS + Depot ASS1

CMRL - RTU - Software Testing
CMRL - RTU - Software Testing
 The Software Validation Test Setup consists of the following Test Kits :

a) SIPLUS RIC Redundant RTU System with IEC-60870-5-104 Protocol
b) SICAM TM-1703 based IEC61850 to IEC-60870-5-104 Gateway

CMRL - RTU - Software Test Kits for SIPLUS-RIC and SICAM TM1703

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Thursday, May 19, 2011

Revamping Mental Health Care for Veterans

The US Department of Veterans Affairs promotes a mission for social workers to "eliminate psychosocial complications as significant barriers to healthcare interventions for Veterans and families...accomplished by developing and maintaining integrated, quality programs in patient care, research, education and prevention."

Social workers are present and active in Veterans Affairs Medical Centers, vet centers and community based clinics across the country, providing a range of mental health, advocacy, and case management services to the veteran population. A challenging feat, made even more difficult by the hoops practitioners must jump through to provide quality and comprehensive care.

On that note, I've posted an editorial published in today's New York Times-- I'm interested to know your thoughts, especially if you work in direct practice providing mental health care to veterans.

A Victory For Veterans

May 18, 2011

NY Times: link

The United States Court of Appeals for the Ninth Circuit ordered an overhaul of mental health care for veterans, who are killing themselves by the thousands each year because of what the court called the “unchecked incompetence” of the Department of Veterans Affairs.

In a scathing 2-to-1 ruling on May 10, the judges said delays in treating post-traumatic stress disorder and other combat-related mental injuries violated veterans’ constitutional rights. The delays are getting worse as more troops return from Afghanistan and Iraq, the judges said. About 18 veterans commit suicide on an average day.

The government’s obligations are clear. Veterans are entitled by law to be treated for injuries and illnesses. Benefits claims are supposed to be dealt with in days or weeks, but it takes an average of more than four years to fully adjudicate a mental health claim. When a veteran appeals a disability rating, the process bogs down drastically. The problem is an overwhelmed bureaucracy and a chronic inadequacy of resources and planning.

The judges said the system for screening suicidal patients was ineffective, and cited a 2007 inspector general’s conclusion that suicide-prevention measures were mostly absent. The same report found that the veterans department’s regional medical centers have suicide-prevention experts, but its 800 community-based outpatient clinics — which veterans most often use — do not. This crisis plagues active-duty soldiers, too, and the Pentagon has lagged in responding effectively. The government has long known what it was up against with P.T.S.D. and brain injuries — the signature afflictions of current wars.

This new ruling came two years after the appeal was filed, during which lawyers for the government and the nonprofit advocacy organizations that sued, Veterans for Common Sense and Veterans United for Truth, were trying to negotiate a plan for fixing the system. Those negotiations did not succeed, so the judges have remanded the case to the district court to order one.

The government can keep appealing, but it should work with the advocates and enact a plan to fulfill the promise of the veterans affairs secretary, Eric Shinseki, to do better. For 25 million veterans, including 1.6 million who served in Afghanistan and Iraq, the choice is clear.

1 comment:

  1. Remove any immunity from malpractice for all care givers in the VA and other Federal agencies, including the care givers in DOD, and things will self correct.

    Private Practioner.


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Tuesday, August 3, 2010

Stay Tuned

Stay Tuned Ladies, we are going to be having a interview week, Starting next Monday! this is going to be exciting!

We will be interviewing Stay at Home Mothers/Wives, and Stay at Home Daughters.
If you would like to Participate comment below, we would love to feature you!

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Thank you for reading, and I'm glad you like the blog, if you would like to ask me a more personal question you can find out how to contact me in the "Contact Section"
Please keep the comments non-hateful, Mature and Godly.


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Tuesday, 5 March 2013

New 2014 Corvette Stingray Convertible

The new Corvette Stingray Convertible made its first public outing at the 83rd Geneva International Motor Show today, and we must admit, it looks as good, if not better, in the flesh than what the renderings (?) and the official studio shots hinted at.

2014 Chevrolet Stingray Convertible

2014 Chevrolet Stingray Convertible

2014 Chevrolet Stingray Convertible

2014 Chevrolet Stingray Convertible

2014 Chevrolet Stingray Convertible

2014 Chevrolet Stingray Convertible

Chevrolet says the new Corvette Stingray was designed from the get-go to be offered as a convertible model, and as a result, the only structural changes compared to the coupe are limited to accommodations for the folding top and repositioned safety belt mounts.

According to Chevrolet, since no structural reinforcements were required for the convertible, both Stingray models share almost identical power-to-weight ratios.

"With the all-new Corvette Stingray, we designed and developed the coupe and convertible simultaneously," said Ed Welburn, GM vice president of global design. "As a result, the Corvette Stingray offers an open-top driving experience with no compromise in performance, technology or design."

The Corvette Stingray Convertible is fitted with a fully automatic top that can be opened or closed remotely using the key fob from the outside, and at speeds of up to 50 km/h (31mph) when inside.

Like the coupe, the soft-top version is powered by GM's new LT1 6.2-liter V8 delivering an estimated 450 horsepower and 450 lb-ft (610 Nm) of peak torque, paired to either a 7-speed manual gearbox or an automatic transmission driving the rear wheels.

Customers can also fit the convertible with the track-capable Z51 Performance Package, which includes the following items: an electronic limited-slip differential, dry-sump oiling system, integral brake, differential and transmission cooling, as well as a unique aero package to improve high-speed stability.

"We wanted the driving experience of the Corvette to live up to the performance expectations that come with the ‘Stingray’ name,” said Tadge Juechter, Corvette chief engineer. “Because it was designed from the beginning as an open top car, the Corvette Stingray delivers an exhilarating, connected driving experience - no matter what configuration you choose.”

Both the Corvette Stingray coupe and convertible will arrive in global markets in late 2013. According to GM, changes for Corvettes destined for export "vary only in equipment required to accommodate the respective markets’ regulations, such as lighting, headlamp washers, and outside mirrors".

Articles Source : Carscoop

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Keep up to date with the latest news and events of Modular Bikes.

Saturday, August 19, 2017

Printed Frame Separators

Current trike in Lorne during an Audax ride
Diagram of separators showing how they are kept in compression.
Separators from Shapeways on my current trike.

Inside the frame are timber and tee-nuts.
The frame separators on the "40" bike were prototypes.  I hadn't worked out what was going on.
3d printed sample piece.  This had flat sections printed 1.6, 2, 2.4 and 2.8mm thick, and was designed to find out about the printer and how to avoid.....

this sort of thing: the printer makes hollow sections shown here with cross-hatch reinforcements.

Some replacement parts on the printer.

The 4 components making up the new spacers, shown with the finished part.  Inset: gluing the parts together.
Completed and on the frame.

 Hi, I have been using my home 3d printer to make some spacers which fit between the 2 halves of my recumbent trike frame.  This frame uses the same principle of gravity assistance used in my Velocino and separating Hercules bikes.  This mechanism has worked well in one of my frames, and the trike comes apart for when I take the trike on country trains and in the car.

Now I have a 3d printer and I wanted to try to make some frame separators at home.  With its current software, the printer won't print solid sections, and solids are needed for these parts as hollow parts would just crush.  So I worked out what maximum thicknesses I could print, then sliced up the spacer part into 4 pieces.  The H-shaped pieces were printed vertically and I didn't want to make them too tall, so I kept their height to 65mm, half the length of the previous parts from Shapeways over in the USA.  I think my home printed parts have fewer air-miles.

So the bits all fit together fine but the whole trike is not back on the road yet.  I aim to get this done by Thursday, and to ride into Uni on a finished trike on it.  Will report.

Steve (3d printed bike bits) Nurse

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Monday, November 22, 2010

Maque Choux

It's officially feeling like November. We haven't had any snow yet, but I'm sure it is coming. I just hope it holds off until after I get to go home for Thanksgiving. At work we've been gearing up for Black Friday- it will be my first Black Friday actually stepping foot in a mall or doing any shopping. I usually avoid the craziness of that shopping day, but it cannot be helped this year.

At home we did some winterizing this afternoon. It hasn't been too cold yet, but I'm sure when old man winter comes knocking we'll be glad. We have had some blustery days and I noticed the vertical blinds swaying after a few of the strong gusts in our living room. Needless to say, our windows are old and very drafty.  So now we have a cozy home and are in need of something to warm our tummies.

Enter Maque Choux. Not only is this dish stomach warming and filling, the colors of the ingredients and cajun flavors warm everything right up.

Maque Choux with chicken and hot Italian sausage
6 ears corn (I used a package of frozen corn instead)
3 lbs chicken thighs with skin and excess fat trimmed
1 tablespoon oil
1/2 lb hot italian sausage links, cut into 1/2 inch slices
3 medium onions, chopped
1 orange or red bell pepper, chopped
1 green bell pepper, chopped
1 large celery rib, sliced
2 fresh thyme sprigs
1/2 teaspoon cayenne pepper
3/4 pound cherry tomatoes (1 1/2 pints) halved
1/4 c chopped fresh basil

1. If using fresh corn, cut kernels off cobs and, working over a large bowl, scrape cobs with knife to extract all juices. Discard cobs.

2. Pat chicken dry and season with salt and pepper. Heat oil in a heavy 8 qt pot over moderately high heat until hot but not smoking, then brown sausage, transferring to a plate. Brown chicken in batches, transferring to another plate.

3. Pour off all but 1 tbs fat from pot, then saute onions, bell peppers, celery, thyme, cayenne and salt to taste over moderately high heat, stirring occasionally, 4 minutes. Add corn with juices and cook, stirring, 2 minutes. Stir in tomatoes and sausage.

4. Nestle chicken into mixture and simmer, covered, stirring occasionally, until chicken is cooked through, about 40 minutes. If the maque choux is soupier than you like, simmer uncovered until juices are reduced. Stir in basil and season with salt and pepper. Serve with sliced bread to soak up the liquids.

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The 4 Stages of Success – Part 2

In our last blarticle (blog-article=blarticle, right?) we talked about how you know you’re in Stage 1 of Success with your business because you aren’t making any money yet. We went over some of the hit-the-ground-running steps that any new entrepreneur has to do in order to get going and move out of Stage 1 and quickly into Stage 2.

Interestingly, the action steps for Stage 1 businesses can also apply to an ‘old’ business that you are re-starting, re-branding or re-inventing. If your business isn’t making any money at this moment – check the steps for Stage 1 and do the ones that apply.

Stage 2 of Success is pretty exciting because this is where you actually start making some MONEY in your new business – woohooo!  Let’s jump right in and see what that looks like, okay?

How Do I Know if My Business is in Success Stage 2?

  • You’ve started your business, taking on customers/clients
  • You’re making some part-time income with it (Cool!)
  • You’re not sure what your next step should be
  • You have lots of marketing questions
  • You’re avoiding doing things you don’t like doing (marketing yourself, speaking to strangers, selling to prospects, closing new clients, social media, going to networking meetings, etc.)
  • You sometimes feel like things are going backwards instead of forward
  • You’re afraid it might not work and you’re wondering if you should do something else to make some extra money ‘in the meantime’.

Stage 2 shows that your business has potential because some money is coming in, but the money isn’t enough yet, leaving you in one of 3 situations:

  1. You’re having to work like mad to hopefully get your bills covered.
  2. You’re doing side-jobs to support yourself in the meantime.
  3. You’re burning through your savings quicker than you can say “wildfire”.

One way or another you HAVE to get your business to Stage 3 of Success or else all your hard work will have been for nothing.  So let’s figure out what that takes.

How To Get from Stage 2 to Stage 3

Okay, so you’re determined and motivated and you’re learning on your feet, but the income is falling short of your needs and expectations.  You’re definitely gathering a lot of valuable information about what NOT to do (those time-wasting, money-sucking ‘investments’ that turned out to be a great way to get side-tracked and not much else.)

But what SHOULD you be doing if you want to rapidly push your business into to the next stage of success?

Here’s a Success Memo that applies to Stage 2 businesses:

Success Memo #13

In order to make the money you need to cover your overhead and bills you need to be VERY FOCUSED on what WILL make you money – and ignore what WON’T lead directly to cash flow.  It’s so easy to get sidetracked with “shiny objects” so let’s not do that, okay?

Here are some of the things you’ll need to do to move your business from Stage 2 to Stage 3:

  • Clarify your brand based on what you learn (feedback from your target market)
  • Create a better marketing plan now that you have more information
  • Get a more professional website based on the new information
  • Find out what your “key terms” are for your specific business
  • Get SEO done on your website based on key terms
  • Package and upgrade your products so that they align with what YOUR target market needs and wants
  • Create/update your business page
  • Mail to your list regularly
  • Review your pricing to make sure you are not under-or over-charging
  • Analyze what you have done RIGHT and do more
  • Analyze what you have done WRONG and quit doing it
  • Keep meeting new people – always!

It’s always a good idea to get help/support from a business support team, a mentor, a coach or a consultant – preferably someone you know, like and trust who has a good reputation.

What’s important is that you have a plan, you believe in yourself, and you just keep putting one foot in front of the other.

 pretty train track

Never feel guilty for asking for help along the way – it’s what successful people do.

Mandy & Wayne
P.S. If your business is in Stage 2 and you want to quickly move it to stage 3, why not schedule a time when we can chat?

photo credit: *~Dawn~* via photopin cc


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Saturday, March 30, 2013

Universal Rule of Personal Financial Management: #2 - Earn More

The first universal rule of personal financial management is to spend less than what you have earn, but that alone is not enough. It is good for one to be able to control his or her own temptations from the materialistic world. However, as we know that the inflation actually drives a lot of things to become more expensive, hence living within means will not be sufficient.

The next universal rule of personal financial management is to earn more. This one is a little bit more tricky than spending less than what you have earn especially for the working class because the salary is limited to what companies can offer. Even if this rule is not easy to apply to our life, we should really plan and think of the ways to earn more.

There are reasons why earning more is important, in fact, it is as important as the rule number one which is to spend less than what you earn. Companies which are focusing on cost control will doom to fail in the future because there is no growth in the company, the same applies to individuals, only different is companies without growth can still sustain, unless there is a real threat from the competitors.

On the other hand, individuals without competitive growth will face threat mainly from inflation making his or her purchasing power lower from year to another year. Purchasing power can be easily reduced to half every ten years, assuming the inflation rate is 7%. So, if one is spending just 25% of his or her income, he or she will need to have forced savings of 50%, and don't forget healthcare expenses can only go up and most medical insurance if not all cover up to about 70 years old.

There are many ways to earn more and when I mention earn more it means earning more linear income only. Linear income means the income you get from doing something, and in most cases is our work. There is another type of income which is the passive income, in which I will only discuss in the next blog post.

The simplest and most direct way to earn more is getting promotion at work. Other ways of increasing linear income is by getting more knowledge by further study or taking external professional papers or even by working experience. These knowledge can then turn into linear income by providing freelance service to others with the additional knowledge and time that one has. Finally, changing field might sometimes be the most effective ways for one to earn more linear income by fully utilizing his or her talents.

Thursday, March 14, 2013

Universal Rules of Personal Financial Management: #1 - Spend Less Than You Earn

While I'm planning for this year financial goal, I realized that there are certain rules for personal financial management which won't go wrong to almost everyone and at any situation. In fact, I found that these rules are so real and these rule are so simple that we all know deep inside of us, but whether we can apply those rules in our life will be another story.

Well, the first and most basic rule of personal financial management is to spend less than what you earn. When we look at this rule, we would have think, "Oh come on, everyone knows this". True, spend less than what you earn makes much sense as we cannot spend the money that we don't have - provided we do not own a credit card. Once you have a credit card, it is very easy and tempting to spend more than what you can earn, and before you realized, you have already swiped up to the credit limit, which can be up to two to three times of your monthly salary for most cases.

Spend less than what you earn is the most fundamentals rule for personal financial management and in fact, if you are getting the advices from almost every financial planner or financial gurus or even wealth manager, this is something that you are most likely going to get because it is true and most fundamental. Successfully applying and mastering this rule will lead to one to be debt free and having extra money for savings and investments.


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Tomi Lahren's show pulled for a week after abortion comments

Glenn Beck in 100 Seconds
Glenn Beck in 100 Seconds

Tomi Lahren's ascent to conservative media stardom has been propelled by a contentious spirit that is on full display whenever she takes aim at her political adversaries. But now Lahren is apparently the one getting dressed down.

The Blaze, a conservative media outlet founded by Glenn Beck that carries Lahren's nightly talk show, said Monday that the show will be off the air for a week. The Daily Caller, citing multiple unnamed sources, characterized the programming decision as a week-long suspension.

Leon Wolf, the managing editor of The Blaze, told CNNMoney only that "Tomi's show will not be in production this week." Reached by email late Monday, Lahren said she couldn't address the matter.

"Wish I could comment but I can't," she said.

Related: Donald Trump: A Fox News president

With her full-throated support of President Donald Trump and derisive attitude toward the left, the 24-year-old Lahren has become arguably the most visible personality at The Blaze.

But a separate report published by The Daily Caller over the weekend said that Lahren is "likely" on the way out at The Blaze following her appearance Friday on "The View," where she declared herself pro-choice on the issue of abortion.

"I can't sit here and be a hypocrite and say I'm for limited government but I think the government should decide what women do with their bodies," she said on the program.

While no official reason has been given for Lahren's on-air absence this week, her comments on abortion drew considerable criticism from a number of her fellow conservatives -- including Beck.

After expressing his disagreement on Twitter over the weekend, Beck tried to rebut Lahren's comments on his radio show on Monday.

"I would disagree that you're a hypocrite if you want limited government, and yet you want the government to protect life of the unborn," Beck said.

Beck did not comment on Lahren's future at the outlet, saying it would be inappropriate to discuss the subject on the radio. The Daily Caller's report on Saturday said that Lahren's "inflammatory, oftentimes angry style has placed her increasingly at odds with coworkers at The Blaze... a situation that's worsened after she called pro-life conservatives hypocrites."

Related: Reporting or commentary? Napolitano claim shows Fox's blurry line

Beck insisted on Monday that Lahren's pro-choice position would not disqualify her from a job at The Blaze, the Texas-based multimedia company he launched in 2010.

"I don't hire people who are sycophants or who have my opinion," he said. "I try to hire people who have a different opinion because I believe in being intellectually rigorous. I don't want straw men. I want people to make a real argument on the other side so we can learn from each other and we can grow."

A spokesperson for The Blaze did not respond to a request for comment.

Beck, who has been one of Trump's toughest critics on the right, said it's "no secret" that he and Lahren disagree on a number of issues.

But he questioned the sincerity and depth of Lahren's position on abortion, pointing out that she had criticized the pro-choice movement as recently as late last year.

Related: Glenn Beck pretty bummed by Cruz's endorsement of Trump

"It takes intellectual honesty and it takes a willingness to actually think these things through, rather than just read Twitter or Facebook to get your news or political opinions," Beck said on his show. "You actually have to study these things out with your mind. Bomb-throwing in today's world is dangerous. It can destroy people if your aim is clicks, views and ratings."

"The Blaze cannot be about me, me, me, me," he added later, in another apparent shot at Lahren. "Media should not be about me, me, me, me."

Lahren defended herself from the backlash over the weekend, but on Monday, her normally active Twitter feed had slowed to a crawl.

By late morning, with Beck still on the air, Lahren offered up one cryptic observation to her more than 665,000 followers.

"No one hunts small deer," she tweeted, "this too shall pass."

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Wednesday, December 9, 2015

Oil Prices Tumble to Five-Year Low as OPEC Gathers in Vienna

Oil Prices Collapses to Lowest Level in Five Years

As OPEC leaders meet in Vienna to set the prices for the year ahead, oil prices have collapsed to the lowest level in five years. After the US stockpiles flowed in November, Brent crude for January delivery dropped by 3.7% to $42.77 per barrel in London. US Energy Information Administration shocked the market, which had hoped the level of oil to drop during winter, by reporting that the glut of oil in America had increased by 1.2m barrels till November 27 to reach 489.4m barrels thus approached its highest level on record.

In the meanwhile, weak inflation report from Eurozone raised the possibility of the European Central Bank launching a new round of motivation sending the dollar to its highest level over 12 years. Besides this it also weighed on the oil price as the greenback is utilised to price the product.

The oversupply of crude oil due to its strong production from the U.S. together with some of the OPEC members, has been keeping the prices over 45% less than their highs from last June. Several of the investors as well as the analysts are of the belief that the global oil surplus would shrink in the coming months as demand increases and U.S. production falls in reaction to spending cuts.

Output Level Crossed its Quota of 30M Barrel/Day

In the meanwhile, market watchers are of the opinion that world-wide crude output tends to continue exceeding the consumption. The July delivery of light sweet oil, recently feel by $1.64 to $58 per barrel on the New York Mercantile Exchange. The global benchmark Brent fell $1.77 to $62.03 per barrel on ICE Future Europe.

 In its last meeting, OPEC which had opted against reducing production inspite of plunging oil prices is expected to stick to that policy. The group’s output level had already crossed it quota of 30 million barrels per day. According to government reports, the output is near multi-decade in Iraq, Russia, Saudi Arabia and the U.S. Additional Iranian crude would probably enter the market this year, if on-going negotiations with Iran would result in a lifting of sanctions.

Senior market strategist at Chicago brokerage iiTrader, Bill Baruch has stated that `Russia’s picking up production, the U.S. is picking up and there seems to be no reason why OPEC would hold back from picking up production. We could see prices below $50 by the end of this month’.

Shale-Oil Production to Rise in the Coming Years

The Chief Executive of ConocoPhillips, Ryan Lance had mentioned in a conference ahead of the OPEC meeting that U.S. shale-oil production would rise in the forthcoming years as drilling would get cheaper and more efficient. He stated that the industry had already cut the price wherein it could profitably produce shale oil by 15% on an average and by 2020; shale oil production could become 15%-20% more efficient.

In the U.S., some of the shale-oil producers state that if prices tend to stabilize above $60 a barrel, they could increase the production. Several times recently, the U.S. benchmark had traded above $60 a barrel though had not held above it. John Saucer, vice president of research and analysis at Mobius Risk Group in Houston, had stated that the `OPEC was successful in shaking out high cost inefficient guys who did not make any cash at $100 and those left were certainly leaner, meaner and more efficient’.

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Tag Archives: save money on vacation

Frugal Vacation Planning: 10 Ways to Save Money

Frugal Vacation Planning: 10 Ways to Save Money | Money Savvy Living

Taking a frugal vacation doesn’t mean that you have to sacrifice fun. Regardless of your destination, there are still steps that you can take to save some of your hard-earned money. This list of ten items will help you to have a great time with your family, without breaking the bank:

Flexible travel schedule—So, when is the best time to plan your vacation and book a flight? Research has shown that the best time to book a flight is on a Tuesday at 3pm EST, 50-100 days out. Apparently, airlines release their new fares for the week on Tuesdays, so that is the time that there is the most competition for your dollars. Take a look at the different pricing options for leaving a few days earlier or later because you may also notice that you can save a few bucks by traveling on certain days of the week. Of course, as you get closer to the time that you want to vacation, and flights and hotels begin to fill up, you will start to see price increases. On the other hand, if you are totally flexible, you may be able to book last minute to get cheaper flights and deals on hotel rooms that haven’t yet filled. Unless your plans can be easily altered though, you may want to stick with the 50-100-days-out option.

Take advantage of the free continental breakfast at the hotel—this can save you a minimum of $20-40 per day, depending on where you may choose to eat breakfast with the family. Even though breakfast is typically the cheapest meal of the day, it is still worthwhile to eat for free, if possible. Saving that $20 to $40 every day can go toward souvenirs, or just make your vacation a little less costly.

Ask about discounts—so many hotels and tourist attractions offer discounts for AAA members, military, teachers, and of course, senior citizens. Even if you don’t fit into any of these categories, you can still ask the customer service representative about specific hotel specials or any other discounts that they offer. Even if you have looked up prices online, if you have the time to call, you may very well uncover additional discounts or savings that do not show up online.

Rewards programs—many hotel or resort chains offer a rewards program. They are free to join and you can earn points for staying at that same chain each time you vacation. If you are taking a week-long vacation, you may even earn enough points to get a free night or two away during the year, or just save the points until you vacation again. Most programs are not timely to set up and, typically, the points don’t expire, so if you don’t need them right away, they can benefit you down the road.

Go with a group—most major attractions offer discount pricing to groups. Even if you have as few as ten people in your group, you may be able to qualify for group pricing. If the entire family meets up for vacation every year anyways, you may as well save a little extra. Group pricing often requires you to plan ahead though, so make sure to call ahead of time to see how the amusement park or attraction handles group ticketing and pricing.

Join the ASTC travel Passport Program (Association of Science – Technology Centers)—this may not be something that you are aware of, but there are over 250 science centers and museums that are a part of this program. Once you pay for a membership at one, you are eligible to visit ANY other and gain free admission (the only exception is that you DO NOT get free admission to any other science center within 90 miles of where you originally purchased your membership). With science centers and museums that are part of this program all over the world, you may very well be able to take advantage of this program on your next vacation.

Frugal Vacation Planning // Money Savvy Living

Rent a condo or house—while hotels can be really convenient, and maybe even have amenities that a condo or house does not, such as a pool, room service, housekeeping, or exercise facility, they can also end up being really costly. Often times, you can rent a home for an entire week for the same price that you may pay for just a few nights at a resort. Another perk of a condo or house is that there is a full kitchen. Taking the time to make your own food, at least for some of the meals, can save you a lot of money overall. One such website that offers great pricing is Vacation Rentals By Owner (VRBO).

Stock your room with snacks and bottled water—whether you are driving or flying, make sure that you have enough snacks and bottled water. If you can stop by a store like Walmart and get a few snack items, this will prevent you from having to buy expensive items from a vending machine or nearby snack bar. I don’t know about you, but I have three kids, and they are always in need of water or a snack.

Utilize complementary transportation or public transportation—depending on where you are going, you may be able to take complementary transportation from the airport to the hotel, or from the hotel to an amusement park. Or larger urban areas, it may even be possible to take a bus, train, or subway at a much cheaper rate than actually renting a car.

Limit the amount of souvenirs—while it can be tempting to want to buy an expensive souvenir at the hotel gift shop or from a major attraction, you will spend double, or even triple, what a similar souvenir would cost from a discount shop that is located offsite. Don’t forget, taking pictures or videos can be just as much of a memento of the vacation as a trinket can—and those don’t cost a thing.

For more money saving tips, check out this article:

 5 Money Saving Tips for Planning Your Next Vacation

5 Ways to Save Money on Your Next Vacation | Money Savvy Living

Happy Travels!


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Wednesday’s golden hour in DTLA in a simple minimal but not kind of look. I love the sleekness of Nina Ricci’s Irrisor bag, perfect to fill up with daily necessities, even more perfect with a bouquet of flowers peeking out of it. Spending time downtown at the studio means I need something big enough to fit all those extra things in! Available now at Barney’s.

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Halo Headlines – 8/23/10

Daily links for the LA Angels including Izturis to the DL (again), Walden called up, Scioscia defends Haren and much more.

The Story: Maicer Izturis was placed on the disabled list with a sore right shoulder.

The Monkey Says: Once again, we are reminded why Maicer can’t be counted on to play on an everyday basis.  At least this should stop all the musical chairs that Scioscia has been playing with the infielders lately.

The Story: Jordan Walden is called up to realize his Major League dream.

The Monkey Says: Walden takes Maicer’s place on the roster and should get a fair amount of work the rest of the way.  That being said, I don’t know if I agree with Walden being promoted.  He has a mere six innings of work at Triple-A this year and his stats weren’t nearly as impressive as those of Michael Kohn.  Obviously, Walden has the big fastball that could make him a dominant reliever, but he also has the kind of potential you don’t want to damage by rushing him too much.

The Story: Mike Scioscia defends Dan Haren from his own self-criticism.

The Monkey Says: I actually liked that Haren took his performance so tough.  That just shows he is a big-time competitor and expects the best from himself every time out.

The Story: The DL trip did not fix Scott Kazmir.

The Monkey Says: I think the jury is still out on Kazmir, but the lack of strikeouts Kaz has produced is certainly not a good sign.  Then again, I don’t know how “fixed” Kazmir was supposed to be after a few weeks on the disabled list.  He is going to need a whole off-season to work on whatever issues are plaguing him.

The Story: Joel Pineiro continues to recover quickly.

The Monkey Says: Joel is already throwing again after just three weeks, so he could be back sooner than expected.  I don’t think he really should bother rushing to return this season, but with him progressing so well, it will be hard for the Angels to keep him sidelined, even if it is for his own good.

The Story: Jered Weaver is pitching his way into elite company.

The Monkey Says: If Jered can keep it up, that truly is quite the impressive list of pitchers to be associated with.  It really is amazing to see how much he has stepped his game up this season.  I think a lot of people expected him to be better, but not this much better.

The Story: Erick Aybar has the “best tools” on the Angels.

The Monkey Says: Other Angels are rated highly as well, but Aybar gets the most recognition.  That he has so many tools and is having a rather mediocre season only underscores just how little tools translate to on field success sometimes.

Garrett Wilson

About Garrett Wilson

Garrett Wilson is the founder and Supreme Overlord of Monkeywithahalo.com and editor at The Outside Corner. He's an Ivy League graduate, but not from one of the impressive ones. You shouldn't make him angry. You wouldn't like him when he is angry.


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Saturday, February 1, 2014

B-Fest 2014 Part 2: For Tomorrow We Watch Bad Movies!

Once we settled in to our seats in the auditorium, one of Paul Tennessen's delicious cookies and a Bolthouse Farms fruit smoothie helped restore my body to its original, pre-whiskey factory settings. We got our tickets and shirts, and I put a copy of Colony of the Darkinto the raffle prize pile, and had a couple of hours of chatting before the movie starts. Mike Bockoven got me all excited to see The Act of Killing, which had just been added to Netflix streaming. Mark brought his daughter Gaz along for the first half of the show, and she was really excited for her first B-Fest. Alas, there's never enough time to spend just visiting with all these wonderful people I get to see just once a year, and before you could say, "Push the button, Frank", the movies began.

Robot Jox: The K.O. Brothers sponsored this one, and those boys have a knack for choosing good opening flicks (they also sponsored Best of the Best in 2012). This movie is a really startling mix of cheap, stupid set design and bad model work, combined with fantastic stop-motion robot fights by Dave Allen. Tim and Mike shadowed the opening robot fight dressed as luchadores, and when the evil Russkiebot sprouts a giant chainsaw from its area at the end, Tim went back up on stage with his costume plus a toy chainsaw tucked between his legs, and performed the Buffalo Bill dance from Silence of the Lambs.

Santa Claus Conquers the Martians: This was supposed to be The Amazing Colossal Man, and I was really looking forward to that one. I wish they would have told us why the schedule had to change at the last minute. I picture a squad of Burt I. Gordon's lawyers dressed up in S.W.A.T. gear abseiling through the roof of the projection booth, leveling guns at the A&O crew, yanking the DVD out of the player, maybe firing a couple of rounds into the projectionist's thigh for good measure, then being airlifted out by one of the space marines' landing craft from Aliens. Anyway, SCCtM is a fucking awful movie, and no one was happy about this. We riffed along as best we could, but things kinda ran out of steam towards the end and we all just sat there grinding our teeth and waiting for it to go away.

Megaforce: Now that's more like it. Barry Bostwick stars as Ace Hunter in a movie that predates G.I. Joe's rebirth as a series of increasingly ludicrous toy ads by a few years, and was no doubt an inspiration to the later series. You will never see a human being have more fun than Henry Silva as Duke, leader of the opposing mercenary team. Ages ago they soldiered together, and easily my favorite thing about this movie is that, though they are fighting each other with lethal force and wouldn't flinch from killing each other, it's nothing personal. They've both been hired to do a job, and do it they shall whatever it takes, but it's nothing more than a day at work. Past the fact they've been hired by opposing forces, they're still good friends and genuinely happy to see each other on the occasions they get a respite from blowing things up.

Fistula and myself have both seen this movie plenty in the last few years, because as part of his doctorate in communications studies, he put together a show something like a more audience-interactive version of a live Cinematic Titanic performance but with skits akin to MST3Khost segments, which tied in to his study of riffing culture. The movie he chose was the eminently riffable Megaforce, and as groundwork for the show he, Bob and myself wrote a full riff script worth of jokes, so we were well prepared. He likes to go stag, as they say, meaning he didn't know this was on the schedule, but as a bit of serendipity, he showed up wearing his Ace Hunter costume from the show. Unfortunately, the sound had been turned up to compensate for SCCtM's virtually incomprehensible soundtrack, and it didn't get turned back down for a few more movies. Since Megaforceis virtually 90 solid minutes of engine noise and explosions, a lot of our material got drowned out and we wound up having to ease off or risk losing our voices far too soon into the Fest.The Wizard of Speed and Time: Getting on stage and stomping along to this is one of my favorite parts of B-Fest. Beware the thundering of stenchy nerds.

Plan 9 from Outer Space: One of these years I'll stay in the theater for this again, but the movie after it was generating a lot of curiosity as no one had even heard of it before, and I wanted to have a fighting chance of staying awake, so it was nap time.

Thomasine and Bushrod: An old west blaxploitation version of Bonnie and Clydewith a dash of Robin Hood. It was maybe a little too serious for the typically wackier blaxplo slot, but it was an interesting oddity and I enjoyed it for the most part. It got a little draggy and repetitive toward the end. I wonder how influential it was on Django Unchained.

I wanted to at least watch the opening sequence of Lifeforce, but the people behind us started almost immediately ragging on the special effects, which for some reason really irritated me. I realize they're not exactly realistic, but they're certainly extremely cool-looking, and probably the least mockable thing about this bizarre flick. Compare them against the FX of any other big budget sci fi flick of the time and I think you'll find they more than hold up. To each their own. It was also still intensely loud, and I had bought and watched Scream! Factory's excellent Blu-ray of this one just months before. More nap.

When I was in college, there was a great little thrift shop near the campus called Trinkets and Togs. One year I got this huge, Russian-looking thick wool coat with a faux-fur collar there, and since it was so damn cold this year (Polar Vortex, while a great name for a band, is a fucking obnoxious bit of weather), that was definitely the coat to take on the trip. Best $5 I ever spent. Not only is it an excellent, warm coat, it's doubly handy at B-Fest because I don't need to bring a pillow to the theater. I just wrap the coat around my head, and the soft, fuzzy lining is a nice cushion, while the thickness of the shell cuts out all light and is a highly effective sound baffle. I'm sure I look like a weird homeless guy lying in a corner on the floor with my head and shoulders mummified in a giant coat, but what the hell do I care? I'm comfortable and asleep.

Kitten With A Whip: I woke up just in time for this one, which I had been hoping to sleep through, but I was well rested, early morning student traffic was picking up (how dare these students infest the student center at the college they pay exorbitant tuition to attend?), and so I headed back to my seat. I'd watched its episode of MST3Krecently, and it's not one of their better efforts, so I figured the movie would be awful. You know what though? I think it's a weak episode because they weren't expecting the movie to be as good as it is. Turns out that on its own merits, it's a very solid little thriller with some fine performances, and it really holds up well. It was one of the more pleasant surprises this year.

Super Mario Brothers: I remember when this came out, I was really excited. I hadn't played the video games much (I grew up with no Nintendos or anything, so the only time I ever played video games was at friends' houses.), but all the magazine articles and things really played up the dinosaur and special effects aspects, and I love me some dinosaurs. I don't recall what I thought of it at the time, but I assumed it was going to be an awful kiddie movie that aged badly, and was expecting a painful slog of almost SCCtMproportions. Boy was I wrong.

I know a lot of people hated the hell out of it, but it's so fucking bizarre it's kind of hard not to love. It's dark and bleak and goofy all at the same time, and it has sweet fuck all to do with the game. The few things they did try to work in from the games, they came at from some really odd angles. Mario and Luigi have to enter an alternate dimension New York City ruled by germophobic dictator King Koopa, played by Dennis Hopper of all people, to rescue Princess Daisy and prevent Koopa from merging the two dimensions and taking over the Earth. The bits with the dancing goombahs crack me up.

Code of the Secret Service: Fuck you, Ronald Reagan, I'm sleeping through your shitty, boring movie. I do have some fond memories of his presidency, though. I never got to know my maternal grandmother very well, she died when I was 5. But I spent a lot of weekends with her and grandpa, and I learned just a few years ago that apparently I get a lot of my sarcastic sense of humor from her, which surprised me. Of course, you don't really pick up on those things when you're a preschooler. But one thing I do remember is she hated the fuck out of Ronald Reagan and every time he'd show up on TV she'd get all mad about whatever he was talking about and say over and over what an idiot he was. My grandma was awesome.

Doctor Goldfoot and the Bikini Machine: I slept through Reagan's shitfest in my seat to avoid missing this, which I was greatly looking forward to since I enjoyed the insanity of Beach Blanket Bingo so much last year. Vincent Price plays Doctor Goldfoot, a mad scientist building an army of sexy robot bikini girls to con rich men into marrying them so they can steal all their wealth. I really wish Vincent Price had done more comedy, because he is absolutely hilarious in this movie. The whole movie is a blast, though. A.I.P. main man Sam Arkoff is from Fort Dodge, Iowa, about 90 minutes from where I live, and us Midwestern boys love our corny humor right off the cob, as Chad says. Some people found Price's performance the only enjoyable thing about this movie, but I'm equally happy with doofy Jerry Lewis-style slapstick wackiness as I am with more sophisticated types of humor, and I loved the whole thing. Easily the highlight of this year.

The Deadly Mantis: One of the best giant monster puppets of any 50's atomic bug movie is unfortunately saddled with an aggressively boring movie. Thankfully it loaned itself to riffing better than I hoped, and I actually had a lot of fun with this one.

Yor, Hunter from the Future: Reb Brown is Yor, a caveman who discovers that he is the heir to the master race and has to fight some dinosaurs and a fake Darth Vader, because it's actually the future. Don't complain I spoiled it, it's right there in the title. It was fun, but not nearly as nutty as I was hoping. Of course, compared to Barbarians, any barbarian movie is going to be a little disappointing.It does have maybe the greatest poster of all time though.

Drunken Tai Chi: Young Donnie Yen loses his family to a brutal assassin and has to go live with his alcoholic uncle and fat aunt (who kicks his ass in one of the most entertaining fights in the movie). Uncle Drunkie teaches him tai chi to counter the assassin's invincible style. This might be the only old school kung fu flick I've seen that takes such great pains to humanize the villain by showing what a good dad he is, and having Yen's character rescue the kid from kidnappers to give their final fight an extra element of tension. Of course, almost nothing is done with this added layer of depth because the movie is too busy bombarding the audience with one furious (and occasionally hilarious) fight scene after another. It's not nearly as insane as some of the Yuen Clan's other drunkard movies (check out Taoism Drunkard some time...holy balls is that a bonkers flick), but the breathless pace and enormous athletic talent of the cast make this one extremely entertaining movie, and it ended B-Fest 2014 on a very high note.

After cleaning up our area of the theater and heading back to the hotel to get some much needed soap and water action, most of our group hit Portillo's for supper. The last few years the tradition of a big farewell Sunday breakfast has transformed into a farewell supper. While we're all usually pretty fried by lack of sleep after the Fest, we all have such different drive times that it's hard to pick a time that's good for everyone to set off. Of course, it hasn't helped that the last two years Malorie and I have driven home into shit weather. Last year was an ice storm, and this year, we set out at about 6:45 to try to beat a blizzard home. We had a few shitty roads on the way, but the real nasty stuff didn't hit until I went to pick up the kids from my parents' house, when halfway there it went from a moderately heavy snow to one of the worst whiteouts I've ever seen in about ten seconds.

Again, thanks to Tim and Chad for the wonderful gifts, and as always, thanks to all our friends who make this such a special event. All those years ago, when we discovered B-Fest through, I couldn't have imagined it would lead to so many great and lasting friendships. I kiss my thumb to you all, and wish you all the best until next year, when Bela takes us under his cape once again to shelter us from the snow and the cold and keep us warm with the glow of brotherly love and lights our way with the flicker of the projector to the hallowed halls of McCormick auditorium. Skoal!
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Montgomery County, Arkansas

County Clerk

County Clerk
The County Clerk maintains all of the Records for County Court, and record all orders signed by the County Judge. (This includes annexations, road vacancies, election results, candidate reports, etc,)

The County Clerk is also the secretary to the Quorum Court, the Equalization Board, and Intergovernmental Council .
Probate Clerk
As Probate Clerk maintains the following records:
• Decedent Estates – Testate & Intestate
• Small Estates
• Guardianships
• Civil Commitments
• Adoptions – (Sealed & Confidential)
DBA Certificates
The “Doing Business Under an Assumed Name Certificate” is issued for Sole Proprietorships only. A.C.A. 4-70-203 requires all persons conducting or transacting business under any name other than the real name of the individual conducting business shall file a certificate in the office of the County Clerk of the counties in which the person conducts or transacts or intends to conduct the business. All certificates for Corporations, LLC, etc… are issued by the Secretary of State. These certificates are then filed with the County Clerk.

If you are doing business in the city limits, you should also check with the city in which you are doing business, for their requirements.
Marriage License
Marriage Licenses are issued by the County Clerk's office. (please see marriage license requirements) We also have marriage records from the early 1800’s to present.
Voter Registration
The County Clerk is the permanent registrar for the County.
The County Clerk is responsible for all Accounts Payable, Payroll and Bookkeeping for the County.
Birth Records & Death Records
All Birth Certificates and Death Certificates are maintained by the State of Arkansas. You may order a copy of a birth certificate or death certificate at VitalChek or call the Arkansas Department of Health at 1-800-637-9314.
Lifetime Hunting & Fishing License
Arkansas Residents that have reached the age of 65 or older may apply to the Arkansas Game & Fish Commission for a Lifetime Hunting & Fishing License. Applications for Lifetime Hunting and Fishing Licenses may be picked up in the County Clerk's office. If you have questions regarding this license you may contact the Arkansas Game & Fish Commission at 1-800-364-4263.

Appeal Transcripts

Prepare Appeal Transcript for cases appealed to Supreme Court
Court of Appeals

Juvenile Division

Criminal cases, FINS cases, and DHS cases, open case file, prepare docket sheet,
index, file-mark and docket all documents pertaining to case, scan Orders;
maintains Case Management Data and transmits to Administrative Office of the
Courts monthly.

The Circuit Clerk maintains and records of the following:

Military Records

Records and maintains a copy of DD214 records

Real Estate Records

Records and maintains a copy of all Deeds, Mortgages, Assignments,
Workman’s Leins, Material man’s Liens, Tax Liens, Medical Liens,
Non-Judicial Foreclosures, Powers of Attorney, Judgments, Bonds,

NOTE:  Public viewing of Land Records is available by registering
with by visiting the Circuit Clerk’s office from 8:00 AM
to 4:15 PM, Monday through Friday.  Records begin with 1820 to present

Uniform Commercial Code Documents

Maintain records of UCCs, Extensions and Modifications on
Farm equipment

Jury Pool

Prepare Order to pull Jury from the Administrative Office of the Courts
Juror Program for Circuit Term of Court; prepare and print Summons,
mail, process Summons upon return from Jurors, prepare Excused and
Responded Juror lists; prepare and maintain Jury Payroll Records;
conduct Jury Orientation on first day of reporting.  A jury website is available


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our new home

everything is put away and in it's place. there are no longer boxes lingering around the house and every window and floor has been scrubbed clean. i must say, it feels really good. of course, i still have to keep the glass cleaner in one hand and the broom in the other at all times because of my little ones ... but that's okay. we are home. some days i look on to my future and the thought of no longer wiping up smudges and picking up crumbs makes my heart feel so heavy. i will embrace it now. it is something to be cherished, i think.

my husband has been working so much lately, so his office is still halfway painted and organized, but that's okay. it will get done. he is truly amazing. i don't think he realizes how wonderful he actually is. three, almost four, humans are completely healthy and fed and living well because of him. i am so thankful for that man.

there are still some things around the house that will eventually need tended to, but nothing that this really pregnant mama is going to overwork herself trying to do now. for example, the wood floors need waxed and the ceilings and windows need painted ... i'm thinking i will begin one project in winter and then another in spring. we'll see.

here are some photos of our new house. i didn't include a photo of the master bath, although i should have because it's one of my favorite things about this house. i also didn't take a photo of our finished basement that has been made into a playroom and laundry area. it is really awesome and a way to let the kiddos watch a movie and play while i wash clothes. we usually head down every morning after breakfast for an hour or so and then again before dinner time. it's great because it is the only space in the house that has a television, so this way they aren't glued to the tv all day. lastly, i did not include any photos of our yard because i'll be honest ... being nine months pregnant and hanging out in one hundred degree weather just isn't my cup of tea right now. :)

thanks for taking a peek. we are really, really happy and have so much to feel grateful for.

  1. where mama and papa and sometimes babies sleep :)
  2. where we dine
  3. looking into the living room from our kitchen
  4. the kitchen sink
  5. a nursery for our soon to arrive baby boy
  6. our living room
  7. a little girl's bathroom
  8. wolfgang's room
  9. our kitchen
  10. eleanor's room

  1. It looks gorgeous! Congrats on getting all moved in! :)

  2. It looks just perfect for you...And so much room :) Love everything about it.

  3. your new home is beautiful and has so much charm! happy for your family!

  4. You house looks splendid already! Though the makeover's not totally finished yet, the promising outcome is already there. Also, I love its color combinations; it's very peaceful and comforting to look at. Great job, Kristen! :)

    Conrad Carroll @ White Oak Developments

  5. I really love those windows! I’m sure they will give enough light for your rooms to look brighter and livelier. Well, your new home seems to be a best pick, and I hope that you enjoy staying here for a long time. I any way, thanks for sharing about that, Kristen! Congratulations and all the best to you!

    Christie Goodwin @ Windows Enhancements LLC

  6. I have never been a fan of the lighter wall colors, but you really made it work. It not only opens up all the rooms, it brings in a light and airy feel to the entire house. Love the pics of the baby in the sink too. I am working on one like that with a bunch of little rubber duckies.

    Rupert @ Gulf Shores Real Estate And Homes


text: Driving home from the Swarm game tonight (clinched a playoff spot, baby!), Jesse and I saw a small animal running up the road toward us in our neighborhood. I stopped the car and it stopped right alongside us. We had no idea what it was — too fat for a possum; too small for a porcupine; running too awkwardly to be a cat. Jesse hopped out and approached it. Then she started laughing — it was a small beaver! Never saw one of them trotting on asphalt before. Jesse wanted to bring it home to “save” it, but I vetoed that idea. But I did laugh all the rest of the way home as Jesse and I jabbered about the oddest animal we had seen in our neighborhood.


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Saturday, 15 April 2017

Eyebrow hair removal 10024 can transform your look

Whenever you decide to stick with eyebrow threading 10024, you realize that the particular hair grows consistently and not fast like additional methods. This can be one thing to provide to you just how unique the eyebrow threading method alone is and the way you can advantage completely from it if you find the right salon services to provide you with all of them. It is important to realize that, the world will usually have or come with the proper methods in which eyebrow shaping and also care can be involved and this is the reasons you will always find people ready to tap into the special methods and that is why eyebrow threading seems to be taking over.

Nevertheless, if you prefer some other hair removal 10024 methods, you need to find the right organization with all that's needed to provide you with all of it. Remember, there's little that can go wrong for you if you have an expert suggest the right approach to eyebrow shaping for you personally. It just helps to give you the right level of perfection and comprehending ever. If you do not take your time, you will end up making errors that are simply out of this globe. It is known worldwide that threading features a way of ensuring nothing should go so incorrect with the shaping process.

Furthermore, hair re-growth is slower and much small with threading carried out. This makes lifestyle better. Eyebrow waxing 10024 should not be done with any kind of idea of its benefits and uniqueness. Therefore, it is time to several sure, you might be tapping into it's benefits now. There is no need to hold back when you know very well waiting is not an option. Some individuals have complained that waxing is simply too long and that's why they like eyebrow threading. No matter what your own reason is, there will be the requirement for you to just work at your best to get everything properly achieved and also done.

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Sunday, August 30, 2009

How Solar Panels are made

I really don't understand why panels are manually made? Is this only for TV show? Then is a cheap one. Many precision things are made in large series by robots. The solar energy is the only one you can count on it! Almost every day!


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Our Logos and Names are registered trademarks. All Creative Content, Photography and Graphics © 1995 - 2012 Target Online Inc.
Theaters Relocationor moving to Morris County NJa Lyme Transportation Homeorg

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    This way to Local Pests and Ivies...


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Purchasing a home is one of the most important decisions you will make in life. Along with this decision comes a possibly even more important one; picking the best mortgage lender. Finding the best mortgage lender involves more than just a good interest rate. Among other things you want to be sure that the overall company that you will work with is one of the best and is staffed by professionals that will guide you through the entire mortgage process.

With so many lenders on the market, and those seeking loans being able to access many of them online, the competition for your business is very stiff. This works in your favor and helps to keep rates very competitive and lenders honest. If there is something that makes you uneasy about one lender, simply move on to the next as there are many to choose from.

Here are a few tips that will assist you in your search for the best mortgage lender.

  1. Get your credit score in shape – the higher your credit score is, the more power you’ll have.
  2. Be familiar with the mortgage lending landscape – the more you know, the better
  3. Compare rates from different lenders – you can look for the best rates online
  4. Know what to ask – communication, fees and requirements are some essential topics to cover
  5. Make sure to read the fine print – you’ll want to know more than just the principal and interest payments

Below are some of the best reviewed major national mortgage lenders. Reviewing this list will help you to quickly find the lender that is best for your needs.

Best mortgage lenders for. . .

If you have already been through the process of getting a mortgage loan before and are looking to simply refinance, here are two different lenders that offer excellent refinancing plans:

  • Lenda
  • Specializes in refinancing
  • Has a minimum of 640 credit score for qualification
  • Has a suggestion engine that will analyze the information that you provide and use it to determine if there is anything you can do to lower your rate.
  • Chase
  • Consistently offers some of the lowest available refinance rates among major lenders
  • Offers HARP federal refinance programs to those who are eligible
  • Writes FHA and VA refinance home loans

First-time Home-buyers

Below are the top two lenders that cater to homebuyers. These typically offer FHA loans or other similar programs with low down-payment requirements. They also offer loans to those with lower credit scores.

  • Wells Fargo
  • One of the largest FHA lenders in the nation
  • Offers its yourFirst Mortgage programs
  • Provides down payment assistance
  • Quicken Loans
  • Largest FHA lender in the nation
  • Has a 1% down payment program
  • You can complete the application process online

Online Lenders

One of the most convenient options available today is the online application and payment options.  Lenders offer online portals for loan management making payments and accessing your loan make the entire process very smooth.

  • Rocket Mortgage by Quicken Loans
  • Provides loan applications online and through a mobile app
  • Most financial details can be imported
  • You can get your loan decision within minutes
  • GuaranteedRate
  • Online application process
  • Provides free credit scores
  • Has 170 branches over the nation


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Lyrics & Music: G. Frost, F. Frost

There’s a little boy
Waiting at the counter of the corner shop
He’s been waiting down there
Waiting half the day
They never see him from the top
He gets pushed around
Knocked to the ground
Gets to his feet and says

What about me
It isn’t fair
I’ve had enough
Now I want me share
Can’t you see
I want to live
But you just take more than you give

There’s a pretty girl
Serving at the counter of the corner shop
She’s been waiting back there
Waiting for a dream
But all her dreams walk in and out – they never stop
She’s not too proud
To cry out loud
She runs to the street and screams

Take a step back and see the little people
They might be young but they’re the ones
That make the big people big
So listen as they whisper
What about, me?

Now I’m standing on the corner
All the world’s gone home
Nobody’s changed
Nobody’s been saved
And I’m feelin’ kinda cold and alone
I guess I’m lucky
I smile a lot
But sometimes I wish
For more than I’ve got

Chorus Repeat