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Children and the Kingdom of God

“Let the children come to me; do not hinder them, for to such belongs the kingdom of God. 15 Truly, I say to you, whoever does not receive the kingdom of God like a child shall not enter it.”

Mark 10:14-15

I recently ran across some amazing things that children between the ages of 4-8 have said about Love and couldn’t help but see the Holy Spirit speaking through them. Several of them likely could have preached this week’s sermon if given the chance.

“When someone loves you, the way they say your name is different. You just know that your name is safe in their mouth.”

Billy, age 4

“Love is when you go out to eat and give somebody most of your French fries without making them give you any of theirs.”

Chrissy, age 6

“Love is what makes you smile when you’re tired.”

Terri, age 4

“Love is what’s in the room with you at Christmas if you stop opening presents and listen.”

Bobby, age 7

“If you want to learn to love better, you should start with a friend who you hate.”

Nikka, age 6

Love is when Mommy gives Daddy the best piece of chicken.”

Elaine, age 5

A four year old child had a next door neighbor, an elderly gentleman who had recently lost his wife. Upon seeing the man cry, the little boy went into the old gentleman’s yard, climbed onto his lap, and just sat there. When his Mother asked what he had said to the neighbor, the little boy said, “’Nothing, I just helped him cry.”

Anonymous, age 4

God bless you, and may you receive the kingdom of God like a child today.

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• Sale
  • Regular price 1,590.00 ฿

Grape/Varietal : Cabernet Sauvignon, Merlot, Cabernet Franc, Petit Verdot Color : Red
Origin : France Bottle Size : 75cl
Region : Bordeaux ABV : 13%
Vintage : 2016 Natural Factor: Biodynamic

Wine Insight

Located in Barsac, about thirty kilometres southeast of Bordeaux, Château Massereau dominates the landscape with its three towers and the rows of vines that descend to Ciron. The estate was acquired in 2000 by the Chaigneau family, and extends over 19 hectares of which only 10 hectares are planted for production. The vineyard has never seen the intensified industrialised production that has hit the rest of the appellation. The Family have decided to farm the vineyard as naturally as possible and there are no chemicals used or additives in the wines.
Aged in concrete vats, 60% merlot, 15% cabernet sauvignon, 15% cabernet franc, 10% petit verdot. Garnet in colour, intense black fruit on the nose with sweet spice and peppery notes. A fresh powerful wine low in tannins. Vinification for 4 to 8 weeks in concrete vats. Natural wine. No chaptalization No acidification No fining No filtration No added oenological product

Pairs Well With:

Roast duck with sour cherry sauce

Sounds Like:
Creedence Clearwater Revival - Fortunate Son

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« Happy Halloween to all! | Main | Winner, winner, winner! »

November 03, 2014

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Amy Allred

love, love, love how you did the title on a paint over the pic.

Amelia Harris

Such a great layout! Love everything about it. :)

jen taylor

So cute! Love how you used this line! Fab!

wendi R

what a lil cutie!!! great job with that line,, I'm going to have to check that one out!!

Samantha T.

Absolutely adorable. What a fun page!

Ann Custer

Lovely layout and super cute pic. The cut and layered Soul Mate DP is so pretty.

So fun! Love the added sequins!!

Love this page! - the bright colors, fussy cutting and your journaling!!! Your daughter is just adorable!

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A strong friendship continues in salt cod gratin

Salt cod gratinNashville, Fall 1977. Two very different girls meet in a Vanderbilt University dormitory. One is visually-inclined, artistic, soft-spoken and sweet. The other is verbal, irreverent and opinionated. One had experienced private schools, exclusive high-rise Chicago Lakeshore Drive apartments, an artist mother and a stepfather whose family money came from woolen mills in Maine. The other attended public school in a Western Kentucky county where the main interests were coal mining and farming. While different from one another, what brought them together was not being “TVCs,” or “Typical Vanderbilt Coeds.” (A typical TVC conversation, delivered in syrupy Southern accents, went a little something like this: “Love your HAY-ER!” “THAAANK YEEWWWW!”) One of their other bonds was food.

Jane and Michelle spent hours and hours over many years sharing tips, techniques and food fantasies such as “The Perfect All-White Meal,” debating the merits of veal versus pork as they contemplated a palette of paleness for a repast allowed only for birthday celebrations. Their first shared kitchen, in a Junior year dormitory, often produced a meal including flank steak marinated with bottled salad dressing, Jane’s mother’s potato gratin (a “minimalist” concoction of potatoes, butter and about a ton of heavy cream) and Michelle’s Southern glazed carrots with lots of brown sugar. This was usually washed down with a bottle of Mouton Cadet. (See, kids, we kept things really classy in the late Seventies.)

Senior year, Michelle, Jane and another friend, Carolyn, took off for a somewhat chilly Spring Break on Hilton Head Island.

There they visited Jane’s artist mother and her husband, Parker (of the Maine woolen mills). Parker, a true New Englander, disdained the Calabash-style fried seafood most people eat when vacationing in the Palmetto State, instead insisting on serving the visiting college students his salt cod hash.

Mary, Jane and Parker

Don’t laugh too much at Jane’s dress. It might have belonged to Michelle.

Along with salt cod, Parker’s hash had some Yankee alchemy that fused salt pork, potatoes and heavy cream over hours and hours of cooking into something crusty, salty, creamy, and absolutely delicious. Michelle has never been able to experience anything like it again, except when Parker cooked it for her the weekend she attended Jane’s Chicago wedding in the mid-Eighties. Parker died some years ago, but Jane did share his recipe with Michelle. Despite several tries, Michelle has never been able to replicate Parker’s alchemy in Gourmandistan—something she felt less bad about after Jane admitted she couldn’t make it taste or look quite like Parker’s either.

Nearly 40 years later, one girl is in Southern California and the other still in the South. One has become more irreverent and opinionated, the other a bit more visual and artistic. The “different” girls text almost every day. And, occasionally, they get to cook together—roasting potimarron one autumn in Gascony and frying stuffed zucchini blossoms during another in Northern Italy.

Their shared lives and their shared failure to recreate Parker’s hash gave Michelle an inspiration for a way to successfully use salt cod here in Gourmandistan. This salt cod gratin is sort of a combination of Jane’s mom’s potatoes and Parker’s hash. Some breadcrumbs and broiling give it a bit of crust, and butter and cream give it plenty of richness.  We think it’s a delicious mash-up that pays tribute to the influence of a wonderful friend. We hope Jane gets some salt cod and makes her own version very soon.

(adapted, barely, from Susan Herrmann Loomis’ From Sea to Shining Sea: The Great American Seafood Cookbook)

  • 1 lb. salt cod
  • 3 TB butter
  • 1 large onion, peeled and thinly sliced
  • Kosher salt
  • 1 lb. potatoes, peeled and thinly sliced
  • Black pepper
  • 1 small bunch parsley, finely minced
  • 1 bay leaf
  • 1 c. breadcrumbs

Soak the salt cod in cold water for 24 hours, changing the water several times.

Melt 1 tablespoon of butter in a large skillet. Add the onions and a little salt. Cover. Cook, stirring occasionally, until onions are soft and slightly colored.

Cook the potatoes in salted water until they are tender, but not mushy. Drain.

Place the potatoes in a buttered large gratin or shallow casserole dish (about 8 x 12″) or in 4 to 6 buttered individual-serving gratin dishes. Season lightly with salt and pepper. Layer the cooked onions on top of the potatoes. Sprinkle about 2/3 of the chopped parsley over.

Drain the cod. Place in a saucepan with a bay leaf and cover with about 2 inches of water. Bring to a boil slowly, then reduce heat and poach for about 15 minutes. Drain the cod and dry with a clean towel.

When cool enough to do so, flake the cod with your fingers and place the pieces on top of the onions in the dish(es). Pour the cream over. Season lightly with salt and pepper. Cover with aluminum foil and bake in a 400° F oven for 15 (for small dishes) or 20 minutes (for a large dish).

While gratin is cooking, mix 1 or 2 tablespoons melted butter with breadcrumbs, remaining parsley and some pepper.

Remove aluminum foil and sprinkle breadcrumb mixture over gratin(s). Broil in the middle of the oven, watching carefully so it doesn’t burn, until crumbs are browned.

  1. Love this post!! What a beautiful friendship. Your mention of salt cod reminds me of Korean taegu, one of my favorites (like it better than kimchi). 🙂

  2. Jane

    Love it! Mary attempted fish hash last night … unsuccessful. Think you brilliantly used the word alchemy. Look forward to trying your version. 🙂

  3. Oh my lord! Cod au gratin with salt pork! I went to university (Canadian college) in the province of Newfoundland on the extreme east coast of Canada. This was haute cuisine back then (the late 70’s). Recently a Newfoundland style pub opened in our city and on the menu, much to my delight, was cod au gratin. Marvelous stuff.

  4. Love the story more than the recipe as I’ve never had salt cod before but I’ve been lucky to have friendships like yours. The best part of these friendships is though you’ve been apart , you can pick exactly where you left off from. Plus, the teasing and stories from the past never end. The last photo (left) of you and Jane is special.

  5. I’m having trouble deciding what’s more wonderful, the story or the delectable sounding dish. Well done on both and what sounds like a truly special friendship.

  6. What a beautiful story and a delicious recipe. There really is something so touching about knowing someone for so long and sharing so much. Thanks for sharing. At times it’s hard to know which one is which when you describe character traits. I think you definitely have a touch of all of them, irreverent, opinionated and artistic (all high compliments, btw). Great dish, photos and story.

    • That’s so very kind. When I started college, I was definitely all mouth (and pen and, ahem, typewriter, as there were no computers yet outside the almost literal “computer building” that I dared not step into!). Clearly, I got religion fairly quickly, as I added a Fine Arts major to my planned English Lit one. 😉 But, yeah, as Jane has often said when we have found ourselves in some wonderful locale: “We are lucky girls.”

  7. I definitely knew which one you were – maybe it’s the lawyer thing. (I have nothing against lawyers. Some of my friends are even lawyers.). What a great story. I wish I still knew/had friends from so long ago. I just moved too often. Great gratin – I love love salt cod but it’s nearly impossible for me to find!

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Home Table of Contents

WPIC 35.34 Assault of a Child—First Degree—Definition

11 WAPRAC WPIC 35.34Washington Practice Series TMWashington Pattern Jury Instructions--Criminal

11 Wash. Prac., Pattern Jury Instr. Crim. WPIC 35.34 (5th Ed)
Washington Practice Series TM
Washington Pattern Jury Instructions--Criminal
December 2021 Update
Washington State Supreme Court Committee on Jury Instructions
Part VI. Crimes Against Personal Security
WPIC CHAPTER 35. Assault and Reckless Endangerment
WPIC 35.34 Assault of a Child—First Degree—Definition
A person commits the crime of assault of a child in the first degree if the person is eighteen years of age or older and the child is under the age of thirteen and the person:
[commits the crime of assault in the first degree against the child] [or]
[intentionally assaults the child and [recklessly inflicts great bodily harm] [or] [causes substantial bodily harm, and the person has previously engaged in a pattern or practice either of assaulting the child which has resulted in bodily harm that is greater than transient physical pain or minor temporary marks, or causing the child physical pain or agony that is equivalent to that produced by torture]].
Use this instruction if it will help the jury understand the charged offense or if it is necessary to define this particular offense for the jury. See the Comment to WPIC 4.24 (Definition of the Crime—Form).
Use bracketed material as applicable. For directions on the various ways to use the bracketed phrases relating to how the crime is committed, see Note on Use to WPIC 4.22 (Elements of the Crime—Alternatives—Form).
Use whichever of the following definitions is applicable: WPIC 10.01 (Intent—Intentionally—Definition); WPIC 10.03 (Recklessness—Definition); WPIC 2.03 (Bodily Injury—Physical Injury—Bodily Harm—Definition); WPIC 2.03.01 (Substantial Bodily Harm—Definition); WPIC 2.04 (Great Bodily Harm—Definition); WPIC 35.50 (Assault—Definition).
If the bracketed phrase referring to first degree assault is given, then also use as applicable, WPIC 35.01 (Assault—First Degree—Great Bodily Harm or Deadly Weapon—Definition), WPIC 35.03 (Assault—First Degree—Great Bodily Harm—Definition), or WPIC 35.05 (Assault—First Degree—Poison—Definition).
RCW 9A.36.120.
See the Comment to WPIC 35.35 (Assault of a Child—First Degree—Alternative Means—Elements).
[Current as of April 2020.]
End of Document


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The Headstrong Historian: Heimat

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    Heimat struggle in The Head Strong Historian One is not born free to completely choose one’s path. Through different bonds that come from one’s family and community, a connection with certain characteristics are stuck to each person. This phenomenon is commonly known as heimat. Even though this Germanic word can be associated with homeland, it does not have a direct translation to the English language. Vilem Flusser, a Czech Jewish author, describes how in order to be free one must detach oneself from these heimats in his article “The Freedom of the Migrant”.

    Here, he explains how each person is tied to his or her own heimat and furthermore talks about how these bonds are in one’s unconscious, “We are attached to heimat by many bonds, most of which are hidden and not accessible to consciousness” (Flusser, 3). Vilem Flusser truly believes that one’s freedom is created by one’s detachment from these bonds; this idea is represented through a variety of examples in Adichie’s short story “The Headstrong Historian”. Most human beings don’t have the opportunity to grow up with the chance to experience different cultures; for that matter different heimats.

    Most of today’s population does not have the means to travel and perceive other communities and ways of life. For that reason, it is very common for the average human being to grow accustomed to their traditions and feel that their native heimat is their ultimate heimat, in other words, the “right” heimat. Seeing as they do not know anything else, they cannot compare the quality of different things, “Those who are settled in a place confuse heimat with home. Because of this they sense that their heimat is nice and pleasant, in the same way that we think of our home as nice and pleasant.

    And then they confuse prettiness with beauty” (Flusser, 13). This creates a sort of barrier of incomprehension towards another person’s way of life. An uncomfortable feeling grows inside of people when they are in a setting that is unfamiliar to them. With this, Flusser pushes the idea that a free person is one that liberates him or herself from their original heimat, and creates a freedom to feel comfortable in the heimats of his or her liking. In Adichie’s short story, she shows how her main character, Nwamgba, a widow from a small town in the south of Nigeria has never experienced a culture other than her own.

    For that particular reason she was baffled when the white men started colonizing towns closed to her home. At first she was completely against assimilating to this new culture, yet because of problems with her deceased husband’s family members she started to accept them. Her heimat did not change despite the fact that these colonizers gained more power every day. She decided to enroll her son in a Catholic school since a young age and for that reason the bonds that linked him with his native south Nigerian heimat were not as strong as his mother’s. Nwamgba’s granddaughter was born with two very strong links to two different heimats.

    Her father and mother were extremely catholic and carried a lot of European ideals, while her grandmother kept her south Nigerian traditions. Afamefuna, Nwamgba’s granddaughter, was taken from a young age to a catholic secondary school in which she lived with the ideals that her parents though were good for her. She even carried her English name, Grace. Afamefuna later grew up to be a very curious person; she visited great diverse cities like London and Paris, became one of the first females in Nigeria to graduate from university, and married a Kings College engineer.

    Through all her experiences Afamefuna was able to separate herself from all her birth bonds and see the world as a migrant. She was able to differentiate and compare between different heimats. And even though in the end she decided to attach herself to her grandmother’s way of being, one that was taught to her since childhood, she was free. This is because she had a choice between many different heimats that she had the opportunity to distinguish. Heimat is not necessarily talking about a physical place; it is much more than that.

    To begin to understand Heimat, one must first comprehend that the environment one is born into has a dramatic impact on the human relationships one develops during childhood. Normally, day by day these relationships begin to fortify, creating a stronger bond between oneself and the people important in life; parents, brothers, grandparents, etc. One can see how in “The Headstrong Historian” Ngwanba’s son Anikwenwa was born with a certain heimat, one that tied him to his mother, father, cousins, etc. Consequentially it made a bond with their traditions.

    As he was a small boy his decisions were made depending on his mother’s wants and expectations. During the story it seemed that he liberated himself from his original heimat. He became a Catholic, but one could see that there was a constant struggle in his relationship with his mother, which was the only thing that tied him to his south Nigerian culture. This portrays how feelings of love and friendship connect people and maintains people, who try to take different paths, connected with their heimats. On the other hand hatred can also be a big bond to a person’s heimat.

    Adichie shows this in her story as Ngwanba was originally tied to her husband’s cousins when he was still alive. She believes that they were the ones who poisoned her husband, for monetary motives. This hatred inside her linked her with them for the rest of her life as within herself she wanted revenge. “I am not mysteriously enmeshed with others but have freely chosen my relationships. These relationships are not less emotional or sentimental than those enmeshments, but they are more freely entered into” (Flusser, 6).

    Vilem Flusser explains how there is not emotional or passionate difference between a relationship that one is born with compared to one that one creates. Different enclosed heimats create a sort of competition when dealing with morality and values. This competition develops a kind of heimat patriotism in which people with similar values unite to, in a sense; attempt to belittle other heimats with different sets of values. Although “belittle” might not necessarily be the best word choice in this context, people from different heimats have a tendency to portray an attitude that their own heimat is superior, consequentially belittling others. She went to the Oyi stream and and refused to remove her clothes because she was a Christian, the women of the clan, outraged that she dared to disrespect the goddess, beat her and dumped her at the grove” (Adichie, 213). Adichie explains how a transformed Christian, Ngwanba’s daughter in law, did not want to take of her clothes while bathing in the river. This small act created a chaos in the town between her husband, Anikwenwa, and the people of the town in southern Nigeria.

    Even Ngwanba was against her daughter in law as her traditions and values are sacred to her. Ngwanba probably felt that another heimat’s action might be an attack against her own. This sort of patriotism described in the “Freedom of the Migrant” portrays that prejudices can be formed from the idea that one’s heimat is better or more profound than the other. In today’s world one can see clear examples of prejudice because of different traditions and morals; these prejudices can be because of sexual preferences, race, religion, etc.

    Through experiences with different heimats one can learn to accept and comprehend different traditions and cultures, yet Flusser describe how for one to really comprehend other heimats one must liberate oneself from one’s heimat. In other words take away the unconscious being inside that binds a person to their heimat of birth. Though this does not mean that one’s heimat must be completely forgotten it just means that one needs to be able to observe it from the point of view that one observes heimats other than one’s own, in order to make a non-bias judgment on the path one is really meant to take.

    Adichie’s “The Headstrong Historian” provides clear illustrations of how people, place, religion, pride, etc. create each person’s heimat. Adichie’s story and Vilem Flusser’s “The Freedom of the Migrant” both serve to portray that prejudice is formed because of the differences between heimats. As a person grows in age their exact heimat begins to form, day by day creating a larger barrier with others. This barrier is without doubt the creator of prejudice. Flusser expresses that in order to stop this prejudice one most detach oneself from these bonds and look at life through non-bias eyes.

    He also explains that by separating oneself from these bonds one is actually free. These non-bias eyes are undoubtedly a metaphor for freedom. Work Cited Adichie, Chimamanda Ngozi. “The Headstrong Historian” The Thing Around Your Neck. New York and Toronto: Alfred A. Knopf. 2009. 198-218. Flusser, Vilem, Kenneth Kronenberg, and Anke K. Finger. The Freedom of the Migrant: Objections to Nationalism. Urbana: University of Illinois, 2003. Print. I pledge my honor that I have neither received nor provided unauthorized assistance during the completion of this work _________________

    This essay was written by a fellow student. You may use it as a guide or sample for writing your own paper, but remember to cite it correctly. Don’t submit it as your own as it will be considered plagiarism.

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    The Headstrong Historian: Heimat. (2016, Dec 24). Retrieved from

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Jupiter Trine Pluto 2015-10-11 (Focused Yod)

October 8, 2015 at 10:44 pm | Posted in 2015, Astrology, biseptile, Higher Order Aspects, Patterns, Predictions, septile, septiles, triseptile | 6 Comments
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Jupiter Trine Pluto 2015-10-11 (Focused Yod)

Update: You may also be interested in reading Jupiter Trine Pluto 2016-03-16.

Sunday, October 11th Jupiter trines Pluto.  (This may occur on October 12th in some parts of the EU.)  This aspect only occurs twice in a twelve year period, and it tends to be an aspect that CAN be fortuitous involving “other people’s money.”  It is associated with taxes, wills, and inheritances.  This one contains a Focused Yod, and that implies “you will have to work for it.”

The apex of the FY is at Neptune in Pisces (poetry, lyrics, photography and video but also deception, criminality, drugs, alcohol, and incarceration) and is opposed by Hygeia in Virgo (health, hospitals, nurses, accountants, all with a relentless push for perfection).  One leg of the Yod has a very old Moon in Libra (relationships, and a time for cleaning and clearing out what no longer works) and the other is Astraea in Leo (law, legal, and justice).

Here is the chart, filtered for the Focused Yod:

Jupiter Trine Pluto 2015-10-11 (Focused Yod)

[Click Image to Enlarge]

In addition to the FY, the perfection of this aspect contains significant 7th Harmonic (Karmic) activity.  In particular, a triangular pattern exists with a septile, biseptile, and triseptile in a form that we typically describe as a “7th Harmonic Learning Triangle.”  That means that you will have to work through some fair amount of “Karma” to access the benefit to be had in this FY.

Here is the chart, filtered for 7th Harmonic aspects:

Jupiter Trine Pluto 2015-10-11 (7th Harmonic)

[Click Image to Enlarge]

The 7th Harmonic Learning Triangle involves Pluto (death, taxes, and inheritances), Astraea (law, legal, and justice), and the North Node (Karma and “hard work”).

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Other interpretations:

You may also want to compare this period to the other Focused Yods this month listed in the October 2015 Pattern Search.

Keep your eyes open.  Something is coming that could bring great advantage to certain people.

  1. […] See, also: Jupiter Trine Pluto 2015-10-11 […]

  2. Reblogged this on Grandtrines and commented:

    Annual Sun Opposite Uranus today, also. A powerful combination producing transformation on many levels. A good day to focus as much as possible and “get things done” if you can.

  3. […] of “orbs” is why we keep referencing that pivotal date of September 17th (and also October 11th) as a turning point for the outer planet (“generational planet”) events through the end […]

  4. […] Jupiter Trine Pluto 2015-10-11 (Focused Yod) […]

  5. […] to review the upcoming perfection of Jupiter Square Saturn.  Second, we encourage you to review Jupiter Trine Pluto 2015-10-11 and review your notes from that time […]

    Liked by 1 person

  6. […] Jupiter Trine Pluto pefects today, the second of three in this period (with the first occurring last fall). […]

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Marbig Calendar Stand Acrylic Side Opening Charcoal

Marbig Calendar Stand Acrylic Side Opening Charcoal
CODE: 493382    MANUFACTURER'S CODE: 8606120
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  • Curved bottom edge can be used for handy pen or pencil storage
  • Made from durable long-lasting acrylic
  • Calendar Refills sold separately
  • Size 134x180x32mm
  • Manufacturing Code 8606120
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For all other customers we provide delivery in the local area for $10. If you require a special delivery, contact us to discuss your options.

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The above conditions apply for delivery in the Hamilton region. Delivery to other areas may also be available. For detailed information about delivery to your area, contact us.
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Minty Fresh Soap
Minty Fresh Soap
QuinnTessentially Vegan

Minty Fresh Soap

Regular price $6.00 Sale price $8.00 Unit price per
Shipping calculated at checkout.

This invigorating soap is made with fresh mint-infused olive oil. This bar is refreshing, light and bubbly - a great way to start your day!

Ingredients: Olive oil, coconut oil, distilled water, sodium hydroxide, avocado oil, castor oil, mango butter, fresh peppermint, spearmint essential oil, French green clay. Vegan + palm oil free.

To extend the life of your soap, it is highly recommended that you keep your soap dry by using a draining soap dish.

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Made in Calgary 🇨🇦

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Celebrate Bob Marley Day Right With “Marley-Juana”

Celebrate Bob Marley Day Right With "Marley-Juana" - Green Rush Daily

Celebrate Bob Marley Day Right With “Marley-Juana”

If Bob Marley were alive today, he would have just finished ringing in his 71st birthday. He was born February 6, 1945. Even though the reggae legend and political-artistic leader is no longer on this earth, his legacy lives on in countless hearts and minds.

Every year, Toronto declares February 6 a Bob Marley Day, in commemoration of Bob Marley’s advocacy of promoting peace and standing up for what is right through his music and lyrics.

Now, marijuana users can immortalize Marley’s stance on peace and justice with a new line of socially conscious cannabis products.

According to Business Wire, Marley Natural, a private company developed by Bob Marley’s family and funded with support from the Privateer Holdings of Seattle, is launching a new lineup of marijuana goodies to celebrate Marley’s 71st birthday.

The new line of products are aimed at evoking a healthy lifestyle among people through the use of cannabis.

Cedella Marley, Bob Marley’s daughter and currently the spokesperson for Marley Natural, shares how excited the whole Marley family is to be offering Bob Marley’s take on marijuana with the whole world.

“We are fortunate to be living during a promising time of positive change, especially with regard to cannabis and how people understand it. My dad would be so happy to see so many people appreciating the natural, healing power of the herb. We are thrilled to be sharing Marley Natural products with the world just in time for his 71st birthday.”

All the cannabis that Marley Natural uses in the products are hand-selected in farms run by experienced growers and are committed to sustainable farming practices.

Marley Natural claims that their products are 100 percent natural and sun-grown, untainted by harmful pesticides and chemical fertilizers. In a statment about their environmental impact, Marley Natural general manager Tahira Rehmatullah says

“It is extremely important to us and to the family that Marley Natural operates with integrity and a strong social conscience. We source our products in an environmentally and socially responsible way, as we believe Bob Marley would have wanted.”

Marley Natural also introduced body care products infused with cannabis sativa oil or hemp seed oil.

They emphasize that hemp seed has outstanding moisturizing qualities leading to great skin and health benefits. Hemp seeds contain 80 percent essential fatty acids, which is one of the highest percentages of any plant in the world.

As of today, the Bob Marley-inspired marijuana products are already for sale in California. But Marley Natural hopes to expand the distribution of the marijuana products to other weed-legal states throughout 2016, and internationally in 2017.

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House Sold at 27617 Nugget Drive 4

27617 Nugget Drive #4, Canyon Country, CA 91387

Built in 1985, here’s a 2 bedroom, 2.5 bathroom tri-level townhome sized at 1,127 sq ft. It’s situated in the popular Tres Robles complex and located just south of Sierra Highway in Canyon Country. Amenities include multiple pools hot tubs, playgrounds and more.

28352 Brookview Terrace Home Sold

28352 Brookview Terrace, Saugus, CA 91350

Big, luxurious 5 bedroom 3.5 bathroom home in the Sonata neighborhood of Copper Hill North in Santa Clarita. Includes a lovely pool, hot tub, waterfalls and RV parking and so much more. This is a terrific property but it is now sold!

Ruby Lane Home Sold

27512 Ruby Lane, Castaic, CA 91384

3 + 2 single story located in the Stonegate neighborhood of Castaic, CA. Nice amenities, very close to Castaic lake and just up the street from a variety of convenience shopping/dining locations. Low HOA and No Mello Roos!

16557 Canyon Lane Sold by Gregory Real Estate Group

16557 Canyon Lane, Canyon Country, CA 91351

Single story custom ranch property with mountainous views situated on 2.5 acres. Includes 3 beds, 3 baths, attached living quarters, enclosed patio plus detached structures Zoned for horses, RV parking, & No HOA or Mello Roos!

Oakvale Home Sold by Gregory Real Estate Group

24005 Oak Vale Drive, Valencia, CA 91355

Lovely home in the heart of Valencia with 4 bedrooms, 3 bathrooms and a bonus room. One bedroom a bathroom and the bonus room are situated downstairs! This home is perfectly maintained, inside and out. Low HOA and NO Mello Roos.

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Gregory Real Estate Group

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Sunday, April 13, 2008

Travis County moving toward "banning the box" to boost ex-felons' employment

I'm quite proud of County Judge Sam Biscoe and Travis County officials for their visionary proposal to remove criminal history questions on most county job applications, a move designed to make it easier for ex-felons to find employment.

The idea has been termed "banning the box," meaning simply removing the query from the initial questionnaire, saving a criminal background check until later in the hiring process so they're not as readily excluded from the hiring pool. Reported the Austin Statesman ("County may ease barriers to hiring ex-convicts," April 12):

Sometime in the coming weeks, Travis County commissioners will likely remove the question on county job applications that asks, "have you ever been convicted of any crime?"

That question would be asked later in the interview process. The commissioners say they hope the change, intended as much for its symbolism as its practical effect, will remove a red flag that can cause managers to immediately toss an application in the trash.

"We're weeding them out before they have a chance to show their skills," said County Judge Sam Biscoe, chairman of the Commissioners Court and chief proponent of a new county policy. "It's my guess we're losing a lot of good applicants."

Other local governments, such as Williamson County, say such a change wouldn't have a meaningful impact there and have no plans to follow suit.

Many experts have concluded that finding work is key to ex-convicts becoming productive members of society. But those experts say many have difficulty because of the stigma of a criminal record.

Biscoe said the county change is a necessary precursor to persuading more businesses to hire ex-convicts and creating proposals for housing and drug treatment programs. Last year, the county started an "offender re-entry program" by hiring a coordinator to oversee those efforts.

Although similar government-sponsored efforts have yet to catch on at the local level in Texas, they follow job placement programs the Texas Department of Criminal Justice has been running for state prisoners for two decades. Other communities across the country have established similar programs.

One idea is "banning the box" about criminal history from job applications. What effect that will have is unknown. In 2006, San Francisco became the first community to make the change, and at least seven large cities have followed suit, according to advocacy group Safer Foundation. Those communities report anecdotal success but little data.

Biscoe said he wants the change because many county departments, and many employers in general, are reluctant to hire applicants convicted of crimes, whether they robbed a liquor store five ago or were caught with cocaine in the 1980s. A 2006 report on re-entry into society by the Urban Institute, a think tank specializing in social policy, reached a similar conclusion, stating that "employers consistently and legally discriminate against applicants with a history of incarceration."

This climate, Biscoe said, shrinks the labor pool without taking individual circumstances into account.

Chicago had similar concerns. In January 2007, it removed "the box" from its job applications. Angela Rudolph, an assistant to Chicago Mayor Richard Daley, said that in 2007, 236 ex-convicts applied for jobs. One-hundred eighty were deemed the best candidate and hired.

The city can't compare that with previous years because it didn't track the statistic before 2007, but Rudolph said it's an encouraging sign that will be vetted as part of an overall analysis of re-entry programs the city is about to start.

This is an idea where I'd imagine other jurisdictions will take a wait and see approach to see how "banning the box" works for Travis County, but to me it's an exciting development with concrete benefits for communities that adopt it. Not only should the City of Austin and other jurisdictions follow suit, when the Legislature meets next year they should seriously consider requiring the change, where appropriate, for most state and local government agencies.

RELATED: Transportation, Employment and Re-entry

Anonymous said...

It will be interesting to see how this works out. I applaud Travis County for doing this.

In my work with inmates, I know one of the biggest problems I have with them in planning for the future upon release from prison is the job issue. If we want them to at least give life without crime a chance, they need ample opportunities to get on their feet in the honest job market.

Frustration with finding a job quickly leads many of them back into their old ways.

Anonymous said...

"Other local governments, such as Williamson County, say such a change wouldn't have a meaningful impact there and have no plans to follow suit."

That doesn't surprise me. Big, bad, Williamson County aint ever gonna change.

You know, this "Fire the Felons" had a big time impact over at the Youth Commission. We lost almost all of our LCDC's. They're hard to recruit. We beg, and beg, and beg... but you can't have a felony. Stupid rule.

We also lost many employees who had a shaky past in their young lives only to turn coat and become productive citizens while lending a hand to prevent young offenders from following in their footsteps.

Travis County is making a good choice. But maybe if we'd quit making it so damn easy to felonize every damn thing we can in the state, we wouldn't be having this discussion?

Anonymous said...

The State has many jobs that do not require the carrying of or knowledge of use of guns, but the state will not hire anyone with a felony record, even if it was from the 60's or 70's and not even a traffic ticket since. SO maybe the state needs to practice what they preach. Hire a person with a background if they legally can do the job and are qualified. Bet the public would be glad to have these people employed and not on welfare. I think Travis County is sitting a fine example of being fair and non biased in their search for employees who want to work.

Anonymous said...

John Bradley, Wilco prosecutor, pretty much sums up the county's idea of justice for those who have served their time and want to be productive citizens once again -- "unrestrained and uneducated."

Anonymous said...

This is a very progressive move in a state that seems intent on criminalizing a broad range of behavior (except, most recently, killing a homeless person). Without the "box" there is opportunity for a large and growing under-class within our society. Ex-felons (such as myself) can not answer truthfully that they are not a felon even if they can get it reduced to a misdemeanor or have it adjudicated. With an otherwise good resume, I am mired in this under-class for the rest of my career.

Debby said...

This isn't just a good idea, it's a great one. One of the problems many employers create for themselves is using software like "key words". If you program that box as a key word and it excludes it before anyone has ever even looked at it, no one really wins. When we talk to many employers, one on one, we find that most just want someone who will show up on time every day and put in an honest day's work. Artifical excluders like this box deny employers a qualified employee and denies qualified applicants a real chance at a normal life....just this Old Hippie's thought


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Monday, September 08, 2014

Key Texas industries heavily reliant on immigrant labor

Here's an example why the nativist outcry over illegal immigration and border security in Texas strikes me as a disingenuous, even hypocritical stance for the state to take. Construction everywhere in Texas is booming but, reported the Houston Chronicle ("Low skill jobs hard to fill as Obama considers immigration policy," Sept. 7):
About half of all Texas construction workers are here illegally, according to a report last year by the Workers Defense Project and the University of Texas. In Houston's roaring market, it's particularly tough for employers to scoop up workers. Wages have skyrocketed.

"We don't have a sustainable workforce to do what we need to do right now in Texas," said Gregg Reyes, CEO of the Houston-based Reytec Construction Resources Inc., who said seven out of every 10 of his applicants don't have proper work authorization. "We can only bid on the projects we have people for, and it's a struggle to hire folks to do the work who are legal."
The hotel and restaurant industries say they're also facing critical worker shortages and want some sort of legal status for the workforce that is already here, said Richie Jackson, who heads the Texas Restaurant Association. In parts of West and South Texas, restaurants simply don't have enough staff to stay open every day or serve all their customers, he said. Most industries with unfilled work needs "can just export those jobs. Textiles are made in China, software is created in India," he said. "We can't export jobs. We need to import workers."
And, of course:
In Texas, whose cattle ranches and cotton crops are part of its very identity, 85 percent of the agricultural work is done by people who are here illegally, the Texas Farm Bureau estimates. But as traditional migratory patterns from Mexico has slowed and border enforcement has skyrocketed in the past decade, farmers are finding it increasingly difficult to fill jobs, pitting what was long a solidly conservative element against many Republicans seeking to curb immigration.

"The workforce shortage in the agriculture industry is very real, very chronic and it's impacting our domestic food production without question," said Texas Agriculture Commissioner Todd Staples, a Republican who has pushed to overhaul an agricultural guest worker program and allow a legal conditional status for the workers who are already here.

But many Republicans oppose any form of legalization for immigrants who are here illegally and call it an unfair amnesty for people who have broken the law. They also say many Americans are unemployed and should be the priority.
As long as key sectors of Texas' economy rely on illegal immigrant labor, let's stop this nonsense about deporting millions of people - including half the state's construction workforce and 85 percent of our Ag labor - or refusing to educate their (often American) kids. Talk about cutting off your nose to spite your face!

Anonymous said...

as long as we have a welfare state we will have a problem of finding workers for the jobs that illegals take. 4 generations of welfare have gone a long way to destroy the American work ethic

Anonymous said...

Ooops. "Key Texas industries 'allowed' to heavily rely on 'illegal' immigrant labor by those charged with securing our borders and state"

Fixed it.

Solution - Probationers & Parolees (& the chronic unemployed / homeless challenged humans resorting to stealing food items and / or hassled for panhandling) could be given conditions that include: mandatory daily job seeking in 'Key' Texas industries, where they will receive $5. dollars an hour more than what they are paying the currently exploited illegal immigrants, with an opportunity to enroll in insurance programs after 30 days.

Now, all we need is for someone to make sure that this work force is properly clothed and has ample food and safe housing near the work sites. This is where: Goodwill, The Salvation Army, Habitat for Humanity, the Homeless & Employment assistance non-profits organizations along with countless other entities should come together and do what they should be doing.

Any politician that promotes any form of illegal conduct involving thousands of illegals is guilty of sabotaging the nation as a whole and should be charged aiding & abetting, when they are found to have accepted any form of payment from lobbyist and / or pals in return for their looking the other way while trespassers continue down the path and over to the nearest key industry.

Anyone that believes for one second that Houston is running low on workers is out of their damn mind and needs to take a road trip . Anyone that believes for one second that Texas should allow illegal immigration to continue in efforts to support industries of any kind has never ever been in the work force and / or lost a job due to an illegal willing to do it for $4.00 an hour and employers being able to exploit that desperation, while being temporary at best. As desperate as they are, they aren't stupid, which can be seen through their ability to save and move farther north and beyond.

*When hundreds of illegal humans arrive around the same time and hundreds move on around the same time, there are hundreds of job openings around the same time, and guess who takes advantage of free advertising via: the Chronicle. Key Texas industries and thousands of others not mentioned.

Anonymous said...

@11:26, "illegal humans"? "Aiding and abetting" what? And do you really think a lot of jobless illegal immigrants subscribe to the Houston Chronicle?

I thought it was immigration violations that pissed people off but apparently it's just the fact of their humanity.

And you should also be aware that many convicts don't have the skills needed to work construction. Trust me: You don't want most of the probationers I see building your house.

Anonymous said...

Think this is a problem now. Just wait until the babyboomers retire leaving a vacuum in the work force. We need immigrants to support the work force needs now and in the future. Someone is going to have to support the burden of Social Security.

Ryan Paige said...

I support a more open immigration policy, but absent that, the solution is to raise wages to attract people to these jobs.

I can't go hire an accountant for minimum wage (or lower). If my business needs to hire someone, we have to pay the prevailing wage to attract workers.

It's not that these businesses can't find workers, it's that they want to pay workers less than the market will bear.

Gritsforbreakfast said...

@Ryan, it's also because there's a limit, e.g., to what people are willing to pay for groceries. For example, would you "buy American" if US produce was 2-3 times as expensive compared to Mexican produce of equal quality? Mexican farm goods can now come up their new highway system from central Mexico in hours instead of days. (Ditto for Chinese imports entering new Mexican "super ports" on the Pacific Coast, btw.) Are you willing to let the Texas/American farm industry die on the vine because they can't compete on price?

I promise you, no matter what 11:26 fantasizes, poor folks from Houston aren't moving to rural Texas any time soon to pick crops just because they can make $12 per hour instead of $8. Make farmers pay market wages to attract citizens and many businesses are likely no longer profitable. The economies in a lot of red-voting counties die off.

Besides, many people, myself included, think there's an inherent national interest in producing a significant chunk of one's food supply domestically. If you agree with that, then it's against the national interest to sponsor policies that make US farms economically nonviable.

Anyway, in the end, markets trump laws and national boundaries (see the drug war) and that includes labor markets. One can wish that menial jobs paid higher wages, or that workers would magically appear to expedite the state's construction spree if half their number were deported. But as my father likes to say, "If wishes were horses, beggars would ride."

Finally, re: your example on hiring accountant. People hire cheaper accountants in India, East Asia, etc., all the time via outsourcing. Is that better or worse than paying someone who lives here, pays local taxes, etc., to do the same task at a lesser rate?

Not speaking about you, Ryan, but I find it ironic many people in the deport-em-all crowd are also opponents of a minimum wage. Low wages paid to illegal immigrants are as close as I can think of to a real-world model of what eliminating the minimum wage would look like - in some cases abusive, in others like construction, subject to price increase due to market demand just like anything else.

Ryan Paige said...

You're very right about an increase in costs (and about outsourcing). I'd much rather have a more open immigration policy than rely completely on market mechanisms and closed borders.

When my family came to America, they came for the same reasons a lot of people come today - economic opportunities. Because they came in the late 1800s (and were white and English), coming over jobless and settling in Belton was easy. And within a generation, there were family members starting their own businesses and hiring others. They couldn't have dome that if they were 'undocumented' thee way someone coming over the same way would be today.

Anonymous said...

@Grits regarding food prices.
As for buying American, wages are depressed across the board, and have been since about 1980. An increase in minimum wage would allow more people to be able to afford US goods. Henry Ford's true genius wasn't building cars, it was economics.

Ryan Paige said...

Well, raising the minimum wage is different than cutting off immigration and having the market dictate wages. In one case, the floor moves. In the other, wages are (theoretically) higher because the supply of labor is low.

Raising the minimum wage and supporting greater immigration are not mutually exclusive.

Gritsforbreakfast said...

Ryan, I've never heard opponents of the minimum wage link their stance to cutting off immigration. They want businesses to be able to pay as low wages as the labor market will bear as a matter of principle. They'd pay Americans less if the law would let them. I only meant that thanks to the plight of undocumented workers, we can empirically see just what eliminating the minimum wage would look like. Not pretty.

Azzmador said...

Unknown said...

About half of all Texas construction workers are here's a great problem for Texas.Immediately we need to solve this problem.Thanks for this post. Texas jobs

Anonymous said...

They rely on illegals for construction because with the influx of illegals they require more housing. duh.


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ArGoSoft Products

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This group is dedicated to products created by ArGo Software Design.

Our Mail Server and FTP Server have been out for almost two decades.  They gained popularity because of their light weight, stability, reliability, and reasonable price.

We will continue to improve our products. Please stay with us, and support us.

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Lexus have announced two of their debut’s for the Geneva Motor Show 2014 which starts during the first week of March. The show will mark the first European appearance of the Lexus RC F, the most powerful V8 performance car Lexus has developed. The show will also mark the world premiere of the Lexus RC F GT3 concept. It is exciting times for the GT3 segment when a company such as Lexus indicates an intention to enter the market!

The Lexus RC F will make its European debut ahead of customer deliveries this autumn. It comes fitted with a brand new 5.0-litre engine expected to deliver well in excess of 450 bhp and more than 520 Nm of torque. It will be the most powerful V8 performance car Lexus has yet developed. The power is transferred to the rear wheels via an eight-speed transmission.

Lexus tell us that the RC F will feature a world first Torque Vectoring Differential in a front engine/rear-wheel drive sports coupe. We’re told that the RC F’s engine also runs on the Atkinson cycle at cruising speed with reduced power density and increased fuel efficiency, switching back to the Otto cycle at higher revs to deliver outstanding performance. The F Sport version of the Lexus RC coupe gets a sportier exterior and with additional interior design features and revised driving dynamics.

The Lexus RC F GT3 Concept will also be unveiled with Lexus intending to engineer a car for teams racing in GT3 competition. We will have to wait for the official release at the Geneva Motor Show for details on this one. We will be there to cover them

Lexus will display a number of its current vehicles at Geneva, including the RX 450h F Sport, CT 200h F Sport and IS 300h F Sport. These will appear alongside versions of the CT 200h and GS 300h.

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New Ermini Sports Car Debuting at Geneva Motor Show 2014

In late 2012, small Italian sports car manufacturer Ermini revealed its 686 Seiottosei Roadster. This car is set to revive the brand. Prior to it, the Ermini name was last used on a sportscar back in the 1950′s, however, it seems that somebody bought the rights to the name and started work on a worthy successor. Now, Ermini has released the follow teaser image of a car it is bringing to this year’s Geneva Motor Show.

Possibly a production version of the Ermini 686 Seiottosei Roadster, the nose looks identical to the car we saw rendered just over one year ago. This means it features a rounded front grille with a massive central ‘E’ logo. Additionally, it features a red paint scheme like the concept did.

Powering the production version of the Ermini 686 Seiottosei Roadster is expected to be a 2.0-liter four-cylinder engine courtesy of Renault. This powertrain delivers around 315 hp. All up, the car tips the scales at a measly 686 kg and Ermini estimates it will sprint to 100 km/h in just 3.5 seconds before reaching an electronically limited top speed of 270 km/h!

It will sit on wheels courtesy of OZ Racing as well as extremely sticky Toyo R888 tyres measuring 215/4 17 at the front and 245/40 17 at the rear. Brakes will be sourced from Brembo with self-ventilating rotors.

Expect to hear more as the Geneva Motor Show 2014 fast approaches.

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Stony Brook University

2016-2017 Strategic Plan Goals, Access Services

Access Services provides students, faculty, staff and other library users with access to the library's resources and services, such as circulation, interlibrary loan, document delivery, reserves and stack maintenance to meet their research needs.

Access Services works to achieve our mission by collaborating with other library and university departments and with external partners to develop user-focused services that promote efficiency, ease of access and cost effective delivery of services.

Guiding Principles with Goals

Promote Academic Engagement
Create a uniform user experience based on equitable and consistent policies and procedures throughout the Stony Brook University Libraries

  • Uniform library practices across all library branches
    • Extended borrowing period for undergraduates from 30 days to semester loans
    • Updated circulation notices on West campus; HSL in progress
    • Created service-related email account for Circulation, Reserves and Interlibrary Loan improved efficiency in responding to patron inquiries
    • All branches now using ILLiad to deliver Lending & Document Delivery material
    • Resource Sharing Policy & Procedures Manual in progress
    • Online Guide to Access Services created to assist personnel working at service desks
    • Created online internal Access Services Employee Manual with information about departmental policies and procedures

Promote and market Access Services' services and offerings so that patrons are aware of the resources available to support academic pursuits

  • Increase outreach with student groups, faculty and community
    • Access Services staff member serving as advisor to Native American Student Association (NASO)

    • Involved in numerous outreach events including the Scavenger Hunt, International Games Day, and Native American Heritage Month

    • Reader’s Advisory signs posted in stacks with QR codes linking patrons to online guide

  • Develop strategic alliances to enhance resource sharing and access to resources
    • Health Sciences Library joined the West campus libraries as a member of SHARES, a resource sharing collaborative

Build, Preserve, and Provide Access to Rich and Diverse Collections

Collect, analyze and interpret data for improvement of library services, such as collection assessment, shelving space assessment and access policies

  • Conduct a user survey specific to Access Services
  • Work with selectors and liaisons to evaluate collection and deaccession to create more space and keep collection relevant
  • Evaluate storage and shelving needs at HSL

Develop services and policies that make access to our collections easier and equitable for patrons

  • Review alumni, Friends of the Library and courtesy borrower privileges
  • Update Access Services' web pages to be well organized and facilitate access to information

Develop Responsive Library Spaces for Diverse Communities

Evaluate use of space in Access Services' location and revise to meet user needs

  • Create plan for updated furniture, charging stations and/or access to more outlets
    • Renovation of North and Central Reading Rooms include additional outlets, powered furniture and multi-functional space for patron use
  • Investigate implementation of self-check out
  • Identify areas for dedicated student use
  • Create a Library Use Only area
    • Library Use Only space set up outside the Resource Sharing office (3rd floor, Melville Library) includes table, chairs and microfilm reader.  A dedicated printer will be installed soon.

    • Audio-visual Viewing Room converted to combined viewing/silent study space with carrels for AV viewing and tables for silent study

    • Single Service Desk implemented as part of NRR renovation

    • Similar single service point in plans for CRR renovation

    • Added a service desk on 2nd floor of CRR to aid patrons during renovation

Investigate options for offering locations for library service outside the library walls, such as additional book drops on campus and book delivery

  • Create plan for a book delivery service (to departments and/or library branches)
  • Develop plan for expanded Document Delivery service and promote
    • Document Delivery now available to all patron levels: Faculty, Graduates and Undergraduates

      • Upcoming: Marketing the services

Foster an innovative culture of learning and assessment
Attend conferences, workshops and other training to increase knowledge of services and develop alliances with colleagues at other institutions.

  • Increased staff attendance at conference, workshops and other training
    • All Access Services staff attended a number of DoIT , Lynda and WebJunction

    • Training provided to staff on using Aleph and cash register procedures

    • Several staff members attended Women’s Leadership Symposium (March 2016)

Provide training to Library staff to increase awareness of circulation, reserves and interlibrary loan services

  • Departmental open house to explain services and promote collaboration
    • Open House held in October 2015

    • Upcoming: training for Library staff on single service desk procedures

Standardize equipment and resources to enable staff to efficiently and effectively perform their duties

  • Coordinate with IT to ensure all staff have same programs and versions of software
  • Update equipment to meet industry standards


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MGMT 495- Strategic Management: Home

Updated for Dr. Mueller's Spring 2016 Strategic Management Class

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Librarians are here to help! Call or text 386-747-9028 with any research questions, or email us at

Interlibrary Loan

Request a book or article that the duPont-Ball Library does not have with Interlibrary Loan. Follow the link for more information or to submit a request:

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Off-campus access to databases and journals is available to current Stetson students. Follow the link below for login instructions:

Databases for Finding Articles & Company/Industry Info

See the library's list of business databases for more.

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COTD 24.01.20 – Let’s get creative…

24.01.20 – I The Elements & King of Chalices – Let’s get creative

Today you are being asked to use your skills to express yourself.  Be resourceful and seek out all the tools and materials you will need to get your creative juices flowing.  Not all the items you need will be found on the material plane though.  You will need the passion of fire, the ideas of air, the emotional input of water and the practicality of earth.  Together the elements create you, and the work you produce will be a reflection of you too.  So let yourself be swept along in your creative flow and see what outcome you produce, you may just surprise yourself.

Love Jennifer x

Illustrations from Book of Shadows Vol 1 ©2012 Vol 2 ©2013  used with permission of Lo Scarabeo, Torino, Italy

About Jennifer

Tarot has been a part of my life for a long time now. It has helped guide me in so many ways, and now I am offering you the opportunity to gain the clarity and guidance a tarot reading can give. A tarot reading is a very personal thing, it can reach into the darkest of places and help bring light and potential into being, and it can help guide you through the rough patches of life and also let you know if you’re on the right path. Tarot can take you on a wonderful journey of discovery. It can open up your world to new ways of being, and you can meet new people and have some adventures along the way. Let us begin...
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Why It Is Harder To Qualify For A Mortgage During Pandemic

BREAKING NEWS: Why It Is Harder To Qualify For A Mortgage During Pandemic
Why It Is Harder To Qualify For A Mortgage
Gustan Cho Associates

Why It Is Harder To Qualify For A Mortgage: The U.S. economy was booming prior to the coronavirus pandemic.

  • The housing market was the strongest than ever in the history of the United States
  • HUD and the Federal Housing Finance Agency (FHFA) has increased FHA and Conventional loan limits for the past four years in a row due to increasing home prices
  • HUD set the FHA loan limits at $336,760 for 2020
  • The FHFA increased conforming loan limits to $510,400 for 2020
  • With the booming economy, the housing and mortgage market was booming
  • Many analysts and economists were forecasting the best year ever for the housing and mortgage industry in 2020
  • There was more demand for homes than in inventory. Homebuilders were selling out of homes prior to getting permits approved

In this article, we will discuss and cover Why It Is Harder To Qualify For A Mortgage During Pandemic When Mortgage Rates are so low.

Why It Is Harder To Qualify For A Mortgage When Rates Are So Low

The U.S. economy was in a bull market for the past 11 years before the coronavirus pandemic.

  • There was no sign of any potential recession and/or housing correction
  • In February 2020, the Dow Jones Industrial Average hit 29,000
  • Most Americans had 401ks that appreciated over 55% since President Trump took office in January 2017
  • Inflation was at low levels and unemployment rates hit under 3.5% which is a historic low
  • Mortgage rates were plummeting where lenders had record-breaking quarter after quarter
  • Alternative mortgage loan programs such as non-QM and bank statement loans for self-employed borrowers added fuel to the fire by creating a stronger housing market
  • Then the coronavirus hit the U.S. crashing the economy
  • Never in history did a pandemic destroyed the U.S. economy in such a short period of time
  • All governors issued a state of emergency by ordering stay at home orders
  • Millions of Americans are out of work and have no certainty of when they are going to return
  • Many furloughed workers are not even sure they have a job to return to

There are countless protests in all parts of Americans protesting for the government to allow the reopening of state government.

Shutdown Of Economy Affecting Unemployment

Businesses who had physical contact with people were ordered closed.

  • Over 26 million Americans filed unemployment claims in the past 4 weeks
  • The unemployment numbers are expected to rise in the coming weeks
  • Millions of businesses have been closed
  • The longer the economy is shut down, the longer it will take for the economy to recover
  • Many closed businesses are not expected to reopen
  • The once-booming housing market came crashing down
  • Many wonders Why It Is Harder To Qualify For A Mortgage during the coronavirus pandemic when mortgage rates are at historic lows

In this breaking news article, we will discuss and cover Why It Is Harder To Qualify For A Mortgage During Pandemic when mortgage rates are at historic lows.

Why It Is Harder To Qualify For A Mortgage During Pandemic When Rates Are At Historic Lows

Why It Is Harder To Qualify For A Mortgage During Pandemic When Rates Are At Historic Lows

The coronavirus pandemic sent the stock marketing plummeting over 40% in just a period of a few weeks.

  • The market has recovered somewhat but we are still down 20% of its all-time highs in February 2020
  • The stock market crash sent the yield on the 10-year U.S. treasuries below 1.0%
  • This plummeted mortgage rates to all-time lows
  • There are millions of homeowners that can benefit from today’s low mortgage rates and save thousands of dollars over the course of their loan
  • However, both purchase and refinance mortgages are more difficult to get due to the chaos in the secondary mortgage bond markets
  • This is due to the impact of the pandemic on the economy and employment
  • The housing market has taken its toll from the economic impact of the pandemic
  • Many homebuyers have suspended the home buying process due to the concerns of their employment
  • However, there are still home buyers who need to purchase homes even during the pandemic

There are millions of homeowners wanting to save money and refinance their mortgages as well. However, it is becoming harder and harder to qualify for a mortgage for borrowers with less than perfect credit.

What Analysts And Economists Are Saying

The coronavirus pandemic turned the mortgage industry into major chaos.

  • Credit availability for mortgages fell to its lowest level in March 2020
  • The main reason for this is due to a substantial drop in liquidity
  • Secondary mortgage bond market investors in Jumbo mortgage-backed securities (MBS) pulled back
  • Most non-QM lenders have halted operations until further notice
  • Several non-QM lenders have closed their doors completely and will not return to reopen operations
  • Other non-QM lenders filed for bankruptcy
Massimo Ressa of Gustan Cho Associates said the following:

There was a reduction in the availability of loans with lower credit scores and higher LTV ratios, and the largest pullback came from the jumbo and non-QM space. Non-QM is loans that fall outside the criteria for government purchases. Lenders are making credit criteria changes to account for the increased likelihood of forbearance and defaults, as well as higher costs.

Most lenders have increased their lending guidelines, called overlays, on all their loan programs.

  • The good news is Gustan Cho Associates Mortgage Group has not imposed any lender overlays on government and conventional loans
  • This is due to the illiquidity in the secondary mortgage bond market
  • The secondary mortgage bond market investors have no appetite for borrowers with under 680 credit scores

GCA Mortgage Group does not see this as a long term thing. Lending requirements are expected to lighten up once the mortgage markets stabilize.

Why It Is Harder To Qualify For A Mortgage At Big Banks

The Nation’s largest mortgage company, Wells Fargo, has halted purchasing nonconforming loans from their correspondent lender partners.

  • Wells Fargo is also reducing its own inhouse loan originations of nonconforming and high-balance purchase and refinance mortgages
  • JP Morgan Chase is no longer accepting any government loans
  • Chase Mortgage announced they will only accept conventional loans for borrowers with at least 700 credit scores and 20% down payment

JP Mortgage Chase made the following announcement:

Due to the economic uncertainty, we are making temporary changes that will allow us to more closely focus on serving our existing customers.

Chase Mortgage is not the only large lender that has put strict new lender overlays on residential mortgages. Many small, medium-sized, and large nonbank lenders have either eliminated and/or made changes to their mortgage loan programs. Many lenders have suspended doing manual underwriting on VA and FHA loans. Other lenders have increased their credit score requirements to 660 to 680 FICO across the board. The good news is that Gustan Cho Associates has made no changes nor have increased lender overlays on its mortgage programs.

Lenders Worried About Liquidity And Potential Foreclosure

Why lenders are worried about liquidity and potential foreclosure

Over 30 million Americans filed for unemployment claims in the past 5 weeks.

  • Unemployment claims are supposed to increase in the weeks to come
  • The once 3.5% unemployment rate just a few weeks ago may skyrocket to over 20%
  • With unemployment rates skyrocketing, how will unemployed homeowners able to pay their minimum monthly mortgage payments?
  • How many foreclosures will hit the housing market?
  • Will we have another housing market crash?
  • Are we going to have a repeat of the 2008 housing crisis?
  • Or is it going to be worse?
  • Lenders are worried about the housing market
  • As of today, there are no answers to the above questions
  • Everything is dependent on how fast the economy will recover after the government reopens states

Massimo Ressa of Gustan Cho Associates said the following:

Mortgage servicers are being besieged by calls from borrowers requesting the government’s forbearance program, wherein borrowers can miss up to a year’s worth of payments which will then have to be paid later. The servicing industry has been begging the Federal Reserve for some kind of liquidity facility to help them make their payments to bondholders, but so far only Ginnie Mae has done that for FHA loans. The lack of liquidity is putting the whole servicing industry at risk and adding to a growing list of reasons to tighten lending. As for liquidity in overall lending, the Fed did step in and is now buying billions of dollars’ worth of conforming mortgage-backed bonds, but there is much less liquidity for other types of lending. Investors simply don’t want to take that risk. No one really wants to hear this, but the tightening is very logical in this environment. Sure, investors will certainly get their money back at some point. But how long will that take, how much of their business will be affected, and what will the interruptions/headaches look like? Several nonbank lenders are also raising minimum credit scores for FHA loans, which are generally used by borrowers with lower scores and lower down payments. The FHA itself has not changed its guidelines. Adding to the difficulty in originating mortgages for both new home purchases and refinances are changes to underwriting guidelines by Fannie Mae and Freddie Mac, who, along with Ginnie Mae, purchase the majority of mortgages today. They are requiring that all income and asset documentation for borrowers be dated within 60 days of the initial application, compared with the 120-day standard time frame. This is likely because people are losing jobs and income at an unprecedented rate. For self-employed applicants, lenders must verify the existence of the borrower’s business within 120 days. That has now shrunk to just 10 days.

How Long Will It Take To Get Back To Normalcy

The U.S. economy was the strongest it has ever been in history prior to the coronavirus pandemic. The housing market was the strongest it has been in the history of the United States. Then the pandemic hit crashing the economy overnight.

Given how difficult the whole mortgage process now is, with title companies closed or working remotely and notaries and appraisers unable to do their work in person, the time horizon for closing a loan is only getting longer, not shorter. Typically, following natural disasters, they will do just the opposite, extending the time frame to 180 days before a lender would have to re-verify a borrower’s income and assets. Just two months ago, before the pandemic had struck the U.S. widely, mortgage rates were near record lows, and refinance demand was booming. Applications jumped dramatically. But now even some of those applications will be rejected either due to timing issues or because borrowers no longer qualify. For homebuyers, and there are still some out there, the timing of locking in a mortgage rate and then getting all the way through to closing on a home has lengthened dramatically, putting the availability of that mortgage at risk. Some builders, like Lennar and Taylor Morrison, are experimenting with drive-through closings, keeping with social distancing while still selling homes. It depends on what type of mortgage you are looking for in terms of difficulty. A conforming mortgage for a home purchase is probably the ‘easiest,’ while a jumbo refi is probably the ‘hardest’ to get in the current environment.

There is still hope to qualify for a mortgage with lower credit scores and bad credit. Gustan Cho Associates has not imposed any lender overlays during the coronavirus pandemic. GCA Mortgage Group will still approve borrowers with under 620 credit scores as well as manual underwriting and FHA 203k Loans.

Qualifying For A Mortgage With Under 680 FICO With A Lender With No Overlays

How to qualify for a mortgage with a FICO below 680, with a lender without overlays

Borrowers with under 680 credit scores are finding it difficult to find a lender to do their mortgage. Also, borrowers with under 680 credit scores are getting quoted higher mortgage rates plus discount points. Many wonder why they are getting high mortgage rates when rates are at historic lows. This is because there is no demand for lower credit score borrowers on the secondary mortgage bond market. Borrowers with over 740 credit scores and larger down payment can still get stellar low mortgage rates. Mortgage rates today are 3.26% for prime borrowers with 740 FICO and 25% down payment. The great news is Gustan Cho Associates has no lender overlays and can help lower credit score borrowers with less than perfect credit. To qualify with a five-star national mortgage company, please contact us at Gustan Cho Associates at 262-716-8151 or text us for a faster response. Or email us at [email protected] The Team at GCA Mortgage Group is available 7 days a week, evenings, weekends, and holidays.

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International negotiations--game theoretic aspects
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International negotiations--game theoretic aspects a bibliography by Amos Lakos

  • 525 Want to read
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  • 66 Currently reading

Published by Vance Bibliographies in Monticello, Ill., USA .
Written in English

  • Diplomatic negotiations in international disputes -- Bibliography.,
  • Game theory -- Bibliography.

Book details:

Edition Notes

StatementAmos Lakos.
SeriesPublic administration series--bibliography,, P 2471
LC ClassificationsZ6464.Z9 L322 1988, JX4473 L322 1988
The Physical Object
Pagination40 p. ;
Number of Pages40
ID Numbers
Open LibraryOL2232517M
ISBN 101555908918
LC Control Number89100437

Download International negotiations--game theoretic aspects

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