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Do you notice zits showing up across your forehead frequently? If so, below will be some reasoning behind this madness so you can reverse this issue. Even certain lifestyle choices and products can cause your skin to make you break out. Below are seven things you can take advantage of to get rid of them and gain your confidence back.
Dandruff is a huge culprit when it comes to having zits on your forehead and face. When your scalp begins to shed the flakes, they end up on your face and forehead. The tiny flake particles will clog your pores up, which then will lead to breakouts.
What to do: Use a good dandruff shampoo at least twice each week.
Are You Exfoliating Too Often?
Skin exfoliation is a common and useful way to rid your face of dead skin cells to restore the natural glow to your face. However, you shouldn’t do this every day. When you over-exfoliate, damage can be done to your skin as it will become dry and rough. Your sebaceous glands (oil-producing glands) are sent into an over-drive state when you do this every day.
What to do: Only exfoliate 1-2 times each week.
Do You Have an Oily Scalp?
If you have an oily scalp, your skin by your hairline will most likely be oily as well, which will lead to a built-up in your pores. This will trigger acne.
What to do: Use a mild type of hair cleanser every other day that is meant for just oily hair. This will prevent a buildup of greasiness and oil.
Are You Using The Right Cosmetics For Your Skin Type?
If you have skin that is prone to acne, its best to stay away from cosmetics. However, it’s not that you need to completely skip out on makeup – you should just make sure you are using the correct foundations. If you have oily skin that is prone to acne, try to opt for water-based foundation. The loose particles from cosmetic powder can block the pores. Never share makeup brushes with other people as well.
What to do: Find a gentle cosmetic that is right for you. Be sure to take your makeup off before going to bed every night.
Having a poor immune system is one of the most common effects of acne. If you have a diet that consists of greasy and fried food, it will most likely show on your face and forehead. However, the great thing about this is that it’s easy to alter those eating habits around now.
What to do: Consume more fruits and veggies with your meals. Also, drink a lot of water, as well as avoiding excess amounts of sugar, oil, and salt is beneficial.
Which Hair Products Are You Using?
Hair products tend to be filled with many comedogenic substances. If hairsprays, hair creams, and serums come in contact with the skin, it will clog up your pores and can lead to acne. Avoid using those products whenever you are able to.
What to do: Continue washing your hair on a routine basis, even with only water between shampoos. Keep your hair away out of your face and forehead while you are using hair products.
Do You Wear Scarves and Caps?
If you have a love for scarves and caps, it’s crucial that you are washing them on a frequent basis. Scarves and caps will absorb the sweat from the neck and scalp. They will also collect all the bacteria from those areas as well. This will lead to acne when you wear these items again.
What to do: Wash your scarves and caps right after you wear them. You can also add 1-2 drops of Dettol to the water and let it soak for about 15 minutes prior to washing them.


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Reputation Intelligence obtains its data via a combination of web crawl, data licensing, and API access.
Reputation Intelligence monitors both structured and unstructured data sources. Examples of structured data include business listing sites such as directories, and review sites such as Yelp and CitySearch. We also monitor unstructured sources, which covers almost any other source you can think of — websites and blogs, social media (Twitter, Facebook), news sites, and rich media sites such as Youtube and Flickr.

industry_corpus2: Computing & Telecommunications


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Your Launch on Purpose Team includes some of the most successful entrepreneurs in the US. All of them are here to teach you how to build a multi-million dollar business.
WIth over 25 years of business and entrepreneurial success, Terri Maxwell as mastered business growth. From being President of an Internet giant, to building one of the most successful marketing consulting brands in history, to launching her own private incubator that was featured in The New York Times, Terri has taken her formula for success (Foundation, Strategy, Execution and Evolution) into Launch on Purpose to ensure entrepreneurs build profitable businesses that ensure financial freedom.
Jeff is a broadcast news veteran with almost 20 years of journalism experience in three states and five separate markets. He’s covered foreign wars, Presidential election campaigns, the Space Shuttle program and the Superbowl. His last eight years in TV were spent at WFAA in Dallas as an anchor and reporter. While there, he led an award-winning newscast at 5pm which dominated local ratings and served as a strong lead-in to ABC’s World News with Charlie Gibson. Jeff recently retired from TV news to launch Brady Media Group, a Dallas-based publicity, consulting and digital content development agency. Jeff co-teaches brand strategy and growth strategy with Launch on Purpose.
As CEO of Working Solutions, Tim provides more than 23 years of leadership experience in call center services in various disciplines including sales, customer service, technical support and warranty management. A recognized leader in the home-shoring movement, he has been featured on FOX, ABC, The Wall Street Journal, The New York Times, The Boston Globe and Business Week, and is a frequent speaker for various industry forums and schools. Tim co-teaches Business Evolution with Launch on Purpose.
Anders Hultman is a former golf pro and entrepreneur. He was born in Gothenburg, Sweden where he began his amateur golf career, winning 3 Swedish National Titles, European Silver Titles and the ’97 World Junior Long Driving Championship. He earned full ride scholarship offers to 6 universities, including Clemson, Stanford and ASU. In 1998 he moved to the US to attend Oklahoma State on an education scholarship. There he continued to thrive in his golf career while maintaining excellent academic standing. After graduating with his Bachelor Degree in Business in 2002, he moved to Dallas and began his pro golf career. Anders played events on the European Tour, the US PGA, the 2007 British Open and has 2 wins on the Canadian Tour. His last year as a full time pro was in 2008.
His passion for health and entrepreneurial spirit motivated him to open two Sunstone Yoga Studio locations after noticing a need in the market. In 2008 he opened locations in Flower Mound and Las Colinas. He is now a member of the Sunstone FPAC and COOP; the marketing section of Sunstone in North Texas. In 2009 he began working with the Dent Center.

industry_corpus2: Others


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Popular Girls Bedding | Young Girls Popular Bedding Choices - Go For It!
Young Girls Popular Bedding Choices – Go For It!
Planning to move? Here is what you need to know about moving your mattress.
High quality mattresses are an investment and we know you can’t risk messing up the thing that gives you rest at night, and keeps you going during the day. When it comes time to move you want to make sure its done right.
If your mattress is new, or relatively new, or if it’s in very good condition, then it should make they move with you to your new place. If its old, or uncomfortable now is the perfect time to consider purchasing a new one.
Step 1. Remove any sheets or comforters from your bed, take out the mattress and make sure it is 100% dry. Now is a great time to leave it in the sunshine for a few hours. Sunshine is like a natural cleaner for your mattress. It really does a mattress good to be in the fresh air and sunshine.
Step 2. Purchase a mattress storage bag either from your local moving company, like http://greenvillemovingcompany.com/ or from a specialized furniture store. Such storage bags come in different types and sizes. Once inside it will be very protected against moisture, dust, dirt and pests.
Step 3. Load the Mattress into the truck first, secured up against the side is best, so that it will not move or bow in transit. Do not place anything on top of the Mattress.
Step 4. Be sure you have the man power to move such a large object, this will keep you from having to bend and twist the mattress to move it, this can be damaging.
Basicly, take really good care while moving your mattress, you are going to be glad you did when the move is over!
Are those beautiful designer beds featured in your favorite magazines, the object of your desire? Do you wish to have a bed that rivals any you see on any given HGTV show? Well, after studying a few designer blogs and videos, It seems to be a very achievable goal, and quite an easy way to add designer style to your room. We also got some great ideas while on vacation in the Great Smoky Mountains. We were pleasantly surprised that our weeks lodging at Family Owned Cabins had an AMAZINGLY designed kids room for our daughter.Its also a fun way to change up the look of your room.
The first step to an amazingly made bed is of course the mattress. Choose a high quality mattress and remember that name brand mattresses don’t guarantee the best mattress for you. Look into local owned mattress stores, even look for locally made mattresses. Often times they offer the same brands or competing brands with a significant savings due to low overhead and short transportation distances. Buying a mattress, is pretty big decision considering the amount of money spent on one, just remember that it is an investment into your health and well being, and given the amount of time you will own it take your time and choose wisely.
The next step is one of the most important ones, even though it is often overlooked. You simply must have a mattress protector. Sure its an added expense and no, it won’t be seen. But protecting the mattress you just invested in is key. There is a multitude of styles to choose from, but we suggest to splurge on waterproof. Nothing can ruin your mattress (you know the one you just invested in) quicker than liquids, so go ahead and prevent that with a waterproof mattress pad.
The next Step of the layer is a super optional one. The Mattress topper is a layer that you can use to customize your sleeping experience. And and extra layer of softness, or a layer of foam, this layer is simply dependent upon your preference.
So now we’ve got the beginnings of a designer bed, with a comfy sleeping experience. But in part two of this blog post is where we get down to the fun, and “designer” part of creating the bed of your dreams.
Choosing sheets for your bed, may sometimes feel like an after thought, maybe you have already chose your comforter, and/or duvet. You have found the size and color. Also, the style that you want to be conveyed in your room, but the sheets…should you just grab a coordinating color and not think twice about it? That seems to be just how it usually happens, and most of us don’t think about the fact that our bodies spend around eight hours a night wrapped in the sheets, not the comforter or the duvet. Maybe you do know better than to just grab a set of sheets and run, Maybe you remember hearing chatter about thread count, something like the higher the better. You know, the higher, the better, and so you found a nice high number, the color matched done. And done.
What if I told you that there is more to it than that? And what if I even mentioned that the whole thread count thing might not be all you’ve heard it to be? It’s sad, It’s true, It has to be said: Thread Count is just a gimmick, a ploy, if you will to sell sheets. Sure Thread Count is a ‘thing’. Thread count, by definition is: a measure of the coarseness or fineness of fabric. It is measured by counting the number of threads contained in one square inch of fabric. However, the manufacturers have found a way to manipulate the system by using a low quality thread, or a low quality construction of the sheet. So even though we’ve always heard its all about the thread count, its really about other components like, fiber and weave and chemicals. Some of the more preferred, higher quality fibers seem to be Egyptian cotton, Pima, Cotton-polyester mix, and bamboo. You might also be interested in checking out a flannel, a satin or even a knit jersey material. Egyptian cotton seems to be “the” sheet of the moment, But feel for yourself, its amazing how much difference you can feel right there in the store.
Next, check the weave. The way the threads are woven together is what gives it its look and feel, and a lot of times its price. Percale weave is the most used in. Balanced weave provides a cooler temperature sheet, good for the summer months, and a sateen weave gives you a softer, warmer sheet.
Another thing to consider is the chemicals used. You may be surprised to find out that sheets with terms like “wrinkle resistant” and “shrinkage control” are called this because of the chemicals that have been added to the finished product. So if the thought of surrounding your sleeping self in chemicals every night bothers you, you will want to look for Organic bedding.
Whichever sheets you decide upon, remember that its a great item to splurge on, the quality and the price go hand in hand. Remember your body spends around eight hours a day inside of these sheets, its worth a little time and research.
If you are looking for some young girls popular bedding choices for your daughter or sister then there are a lot of things to understand before you buy one. Remember, that a young girl’s bedroom is much more than a place to sleep. This room can be a reading nook, a play room or a place where your daughter uses to stay away from the world. In our search for the perfect beddings for young girls, we decided to meet some professional designers. They shared some of their tips regarding making such choices.
The first thing to remember is the fact that choosing beddings or sheets for young girls does not mean that you need to stick with cartoon characters. The 21st century has seen much more exciting choices for kids and they look awesome on the bed. Mix match patterns in the bed sheet can feel great and they tend to grow with the girl. You can also replace them with a few solids if and when required. Well, before making a purchase of girl’s bedding it is important that you check out some of the top brands in the market today.
The nursery for the baby girl: Creating a nursey for your newly born girl can be fun and exciting. You will have to find a mix between making the nursery attractive and comfortable at the same time. The baby beddings that are available today are much more decoration friendly than what we had in the previous decades. A number of options available are like never before. In addition to this, many of the patterns currently seen in the market allow the baby to make the transition to a toddler or in other words that can be used when the baby turns into a toddler.
Decorating a toddler’s room is never easy. There are many considerations which have to be looked into. Remember, that your toddler may have his own opinions about his room. In addition to this, the bedding needs to be functional for toddlers and long lasting. You can choose bright and bold colors to give the right combination of shades to the bedding.
When your baby has turned into a girl then you just cannot go with a cartoon character for her bed sheet. Such characters have long gone out of action and have been replaced with new and interesting colors. The girls today are much more knowledgeable as opposed to the girls a few decades back. Young girls want to show off their style in whatever possible manner and you definitely cannot stop them from doing that. You may need to shop high-quality brands as children today are brand conscious.
Nevertheless, the options are many when it comes to choosing the right bedding for your daughter or sister for that matter. Try to consult with a designer before making or purchase and never ignore the opinions of the girl.

industry_corpus2: Manufacturing


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RFU Regulation 15.9 requires each Constituent Body (Oxfordshire RFU in our case) to be notified of all Age Grade Rugby Festivals held within their area.
Oxfordshire RFU requires that notifications of Age Grade Rugby are received at least four weeks before each event.
Festivals with six or more expected teams from outside of Oxfordshire and our neighbouring Constituent Bodies will require additional approval. Such events are classed as ‘National’ and therefore require Oxfordshire RFU notification at least 3 months before the event date. Touring teams from outside of England will also require ‘Incoming Tour’ approval.
Forms should be signed by either the Club Chairman or Club Honorary Secretary.

industry_corpus2: Sports


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Most nights, I arrange my bedtime with HGTV’s “House Hunter’s International.” My husband, Dave, smiles as I insist that I can make it all the way through the program without falling asleep, even though he knows I’ll fall asleep before the end of the 30-minute program. What’s worse than losing an argument with him is not staying awake to see which of the three places the “house hunters” choose. I’m addicted to the reveal.
Maybe the reason that I’ve agreed to buy and renovate six fixer-uppers is to experience the reveal at the end. My husband loves the process–the tearing down walls and remaking spaces, but I love the results. Here’s a look our current home and its transformation.
The main floor bathroom before renovation.
The main floor bathroom / laundry room after renovation.
The main sitting room and kitchen walls before renovation.
The kitchen after walls were removed with the new island & counter tops.
The family room & fireplace before renovation.
The family room with the new roof, windows, & fireplace after renovation.
The 3-season porch after the carpet was removed & the floor was refinished.
Dave added the barn-wood siding. It’s one of my favorite spaces!
I love “the reveal” in a carefully plotted story. In narrative structure, a reveal creates a surprising plot twist–an ending that you didn’t see coming. M. Night Shyamalan’s movies, like The Sixth Sense, Signs, and The Village, are famous for their surprise endings.
He used the word “transform” to describe the Holy Spirit’s work in us, like the change from a caterpillar to a butterfly.
Picture that reveal. The caterpillar wraps itself in a chrysalis and emerges as a winged, graceful butterfly.
I’m beginning to work on my new book, Transformed.
Transformed will emphasize the transforming work of the Holy Spirit. I plan to share it here in 2019.
If you’d like to receive my monthly newsletter or faith-building posts like these, enter your email address to the right of this post or on my website at www.JayneWalters.org. I promise not to flood your inbox.

industry_corpus2: Real Estate & Construction


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In the wake of difficult times, some people experience the clarity of mind to really understand what is important. I heard a mother staring at her water-damaged belongings say, “These are just material items, they can be replaced.” Taking stock of our physical assets can lead to evaluating other areas in our lives.
We go through our lives on a certain track, but sometimes inertia takes over and we lose sight of what brings meaning to our lives. Events like Harvey may bring into focus what you would want to change and what possessions are worth replacing. Figure out what is meaningful, and find what brings purpose and joy to your life. Volunteering and donating are certainly ways to find meaning. To help with the devastation so many are dealing with, here is a list of some of the many worthy charities.


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Radoslaw Furmanski and Emma Wilson won their medal races to clinch the 2014 RS:X Youth World Championships at Clearwater, Florida, USA.
The standings were tight, and everyone knew what they had to do. With 20,000 people in the beach, and the combination of bright sunshine and strong 14 knots breeze, all eyes were on the decisive races.
In the Women's medal race, there were four windsurfers having a clear shot at the title, but it was Emma Wilson who showed poise beyond her years. After a good start she was the only one to hit the starboard lay line, went full throttle and was gone.
"When I got to the top mark. I looked back, and everyone was gone. I thought I had done something wrong! I don't even know how I did it; I'm so happy!", expressed Wilson.
Berenice Mege, from France, finished three spots ahead of reigning world champion Marta Maggetti to take the silver medal, with Maggetti hanging on to third place to make it onto the podium for the second year in a row.
In the Men's division, the battle was on from the start between Mattia Camboni and Radoslaw Furmanski. The deciding moment in the race appears to have been at the bottom mark.
Camboni was leading, but he didn't see the mark with the sun in his face, and so he gybed too late. Radoslaw gybed inside and stayed in control from that point on.
"I'm very happy because this year I also won the European Championships, and now I'm a world champion!," stated Furmanski. Toni Bonet had a solid medal race after a consistent week of racing in Clearwater and rounds up the men's podium.


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My cataloguing professor often referred to his “card catalogue mind”. I’m not quite sure what he meant by that phrase, but I like to think he never forgot a book he read. If you don’t have a “card catalogue mind”, keeping a solid record of the books you have read is a key part of developing skill in Readers’ Advisory.
Many of us have had this experience: you’re working with a customer and want to share a wonderful title that you read a few months ago, but in the moment you can only remember that there was a dog on the cover. Or was it a bird? The Collection Knowledge Core Competency document published by the OPLA Readers’ Advisory Committee encourages library staff to maintain reading journals as a first step in building their knowledge of the collection and better help customers find the right book.
If you’re imagining a reading journal as a notebook where you scribble titles and authors, consider some of the online options. I keep a reading journal in GoodReads, and I appreciate the ability to access it from any electronic device I might have access at work – computer, smart phone or tablet. Goodreads is my choice, but there are other online services that offer similar functions such as Shelfari and LibraryThing.
These services provide critical bibliographic information, and often a cover image, too. Users can add a review and rating, but also tags with genre or appeal factors such as “plot-driven” or “lyrical”. You can keep track of ideas for a program or display, or any other grouping you need, by adding books to lists. These sites have a social element too, so you can connect with friends or co-workers and pool your collection knowledge.
Perhaps you like the idea of an electronic journal, but don’t need another social site in your life. Many people working in Readers’ Advisory maintain blogs about their reading. A notable Ontario example is Shonna Froebel of Barrie Public Library’s blog, Canadian Bookworm.
Reading journals are a simple way of building your own collection knowledge, and it’s satisfying to review the list from time to time and remember all of the enjoyment you have gained from books. For further steps in developing your Readers’ Advisory skills and strengthening this key service in your library, consult the OPLA Readers’ Advisory Committee’s Core Competencies.
Lindsay Tyler works as Manager, Member Services, Centre for Equitable Library Access (CELA) and is a member of the OPLA Readers Advisory Committee.

industry_corpus2: Subject Education


text: With distractions commonplace in the modern college classroom, this research assesses differences in student participation rates in distracting behaviors. The results from a study of undergraduate students that surveyed their participation in various distracting classroom behaviors will be presented.The study expands the current literature by assessing the degree to which a student’s gender influences the likelihood they will engage in a spectrum of classroom behaviors considered to be distracting. The interactive discussion will also include implications for faculty members.


text: According to the school, Goucher College is a small college with a big view of the world, an intellectual community without boundaries. Here, students are prepared to embark on a life of inquiry and discovery, creativity, and analytical thinking; the expectation is that Goucher graduates will go on to make a positive difference in the world. At Goucher College, we are known for our academic rigor, our never-ending curiosity about the world around us; and the high caliber of our faculty, students, and staff. Goucher students are able to put their learning into action through collaborative research in the natural sciences, guest residencies of renowned professors, service-learning programs that support local communities, unique internships, and international study. Building on these strengths, our vision for a liberal arts education grows from the understanding that in the 21st century, every academic inquiry and intellectual endeavor has a global context. In all of our 31 majors, we encourage our students to explore their intellectual interests in ways that transcend the boundaries of traditional disciplines. Goucher’s well-known study-abroad requirement, which comes with a great deal of curricular flexibility and a $1,200 stipend to help defray travel costs, is just one of the college’s distinctive assets. Another is its Athenaeum: Part high-tech library, part public forum, part art gallery, part cafe, and many other parts, this new flagship building at the center of campus is ‘all Goucher.’ The Athenaeum assumes an integrated, harmonious place within a pedestrian-friendly, architecturally unified campus. The numerous, world-class lecturers who visit this beautiful campus every year give our students the opportunity to step up and ask important questions of important people. The college’s environmental initiatives, both curricular and extracurricular, have derived much of their direction and momentum from the suggestions and activities of our students. And Goucher’s greatest strength may well be its abiding sense of community, at once expansive and inclusive. For 125 years, Goucher has served a bright, bold, and motivated student population. Numbering some 1,480 undergraduates and representing 45 states and 29 countries, our students arrive at Goucher prepared to excel academically and eager to take advantage of the many resources offered on campus and in nearby Baltimore and Washington, DC. Our 287-acre, beautifully landscaped campus boasts comfortable residence halls, a modern athletic complex and playing fields, stables, and miles of wooded trails to fulfill our student explorers.


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Analysts will speculate about whether our campaign strategies were wise. Much of this will be based on conjecture by pundits who don’t fully appreciate the choices we had to make based on resource limits, polling data, and other factors. They also will speculate whether we were guilty of overconfidence.
Too often bipartisanship is equated with centrism or deal cutting. Bipartisanship is not the opposite of principle. One can be very conservative or very liberal and still have a bipartisan mindset. Such a mindset acknowledges that the other party is also patriotic and may have some good ideas. It acknowledges that national unity is important, and that aggressive partisanship deepens cynicism, sharpens political vendettas, and depletes the national reserve of good will that is critical to our survival in hard times. Certainly this was understood by President Reagan, who worked with Democrats frequently and showed flexibility that would be ridiculed today — from assenting to tax increases in the 1983 Social Security fix, to compromising on landmark tax reform legislation in 1986, to advancing arms control agreements in his second term.

industry_corpus2: Politics & Administration


text: Grasshoppers are plant-eating insects characterized by long hind legs designed for locomotion by jumping. Like all insects, the body of grasshoppers is divided into three main parts: head, thorax, and abdomen. On the head are two antennae for feeling and detecting scent, and two compound eyes comprised of many optical units called facets, each of which is like a miniature eye. The chewing mouthparts comprise two sets of jaws which move from side to side. The sides of the mouth have two palps, tiny appendages for feeling and detecting chemicals, which aid in food selection. There are three pair of legs and two pairs of wings attached to the thorax, although some species are wingless. At the tip of the abdomen are two appendages called cerci, and the external reproductive organs. Females have an ovipositor at the end of the abdomen through which the eggs are laid. Grasshoppers develop by incomplete metamorphosis, passing from egg, to a small wingless larval stage through several molts, to the mature adult.

industry_corpus2: Agriculture & Fisheries


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Extremely premature neonates with cumulative inspired oxygen exposure and frequent intermittent hypoxaemia (IH) events during the first 3 days of age are at increased risk of symptomatic childhood wheezing requiring prescription asthma medications, reports a study.
The single-centre retrospective study included 137 premature infants born at <28 weeks gestational age. Researchers explored possible associations of cumulative oxygen, cumulative mean airway pressure, IH and oxygen saturation (SpO2) with the primary outcome of prescription asthma medication use at 2-year follow-up.
Reported use of prescription asthma medication at 2 years was 46 percent. Children with vs without asthma prescription were more likely to be born to mothers with asthma and have bronchopulmonary dysplasia (BPD), defined as need for supplemental oxygen or positive pressure at 36 weeks postmenstrual age. Other patient characteristics were similar.
Factors associated with an increased likelihood of receiving childhood asthma medications included higher cumulative oxygen and mean airway pressure exposure, more frequent IH events, and lower mean oxygen saturation (SpO2) during the first 3 days of age. However, in adjusted Poisson regression models, only elevated cumulative oxygen exposure, increased daily IH and lower mean SpO2 were associated with childhood asthma medication use.
The findings show that increased oxygen and frequent IH events during just the first 3 days of age may help pinpoint extremely premature infants at risk of filling childhood asthma medication prescriptions, researchers said.
Early recognition of premature infants prone to developing symptomatic wheezing may help improve patient care by allowing targeted surveillance and intervention, family education and preventative measures against environmental triggers, they added.

industry_corpus2: Health & Medicine


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This probably comes as no surprise – but I lurve to wear jumpsuits.
I don’t know if it’s the disco queen I’m convinced I was in a past life (Diana Ross style, obvs.).
If it makes me reminiscent of summer during my childhood years.
Or if it’s simply because I’m lazy and a jumpsuit caters to that laziness by taking one less step out of figuring out what to wear for the day.
What I do know is that jumpsuits are amazing (despite the fact you have to completely undress to use the loo), and can be an essential tool in your wardrobe arsenal.
You may be finding it hard to believe me, as I will admit the jumpsuit isn’t always the easiest to pull off.
Choose the wrong fit or add on the wrong accessories and things can fall apart fast.
The trick to making a jumpsuit work for you is about having 80% styling know-how and 20% pure gumption.
Continue below for some of my favorite tips on wearing a jumpsuit with style and aplomb.
For any garment that’s trickier to style you’ve got to start with a good foundation. And that couldn’t be more true when it comes to jumpsuits.
Depending on the fit, some jumpsuits can come off looking like a potato sac. Which – I’m totally guessing here – is the last thing you’d want to portray.
Most jumpsuits go one of two ways – casual for day-to-day wear or more formal for a statement-making night out. It really depends on how you plan to work the jumpsuit into your life.
So don’t go buying just any ol’ jumpsuit – take the time to find one that fits your body and lifestyle just right.
To continue from the first tip – you also want to be conscious of the style.
Jumpsuits come in a variety of styles – tailored, wide leg, cropped, off-the-shoulder, culotte, split leg, wrap front, etc. etc.
If you’re more petite a cropped leg style may be best. If you’re on the taller side, try a wide leg. More curvier in the hips and thighs? Depending on whether you want to emphasize your curves or not, opt for a more tailored fit or wide leg with a wrap front to focus on your waist and upper body.
The reason jumpsuits tend to be harder to style is because they’re not typically cut to accentuate any sort of body shape.
Add on top of that wearing a solid color or print from head to toe, the end effect could be kind of – meh.
The key here is to help give your body shape and break up the monotony.
Cinch a contrasting belt around your waist or throw a tailored jacket over top to give your look dimension.
Another way to add more dimension to your jumpsuit is by adding bold accessories.
Whether it’s a statement necklace, an armful of bangles, oversized earrings, or colorful handbag.
This, again, breaks up the monotony of a solid color or print covering you head to toe. Plus it’s fun!
Jumpsuits are the one clothing item that you really have to be conscious about what type of shoe you wear with them.
As they say – shoes can make or break an outfit – and that couldn’t be more true with jumpsuits.
My general rule of thumb is – the wider the leg the slimmer the shoe.
But don’t be afraid to take a risk every now and then to try something new.
To me jumpsuits are one of the few items of clothing that are inherently fun to style.
In addition, since not a lot of people wear them, they really speak to your personality.
So don’t take them to seriously, let your personality shine through, and have fun with them!
Do you rock jumpsuits? How do you typically style them?


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Seasonal Affective Disorder (SAD) is a form of depression experienced during certain times of the year. Winter and rainy seasons are the most common intervals for SAD to develop due to decreased sunlight and lack of vitamin D. Though it’s not as common, it is also possible to experience SAD during the spring and summer months.
If you’re experiencing these symptoms, here are some of the options your doctor may recommend for managing SAD.
Given that most people suffer from SAD as a result of decreased levels of vitamin D, light therapy is a popular treatment that proves effective for many people. Your body requires sunlight to produce vitamin D, so during the winter months, many people experience a drop in vitamin D levels which can impact mood and immune health.
Light therapy utilizes artificial, full-spectrum light to mimic the effects of natural sunlight to help the body produce vitamin D, compensating for deficiencies caused by decreased exposure to natural light.
Small light therapy lamps are affordable and can be used at home, making light therapy a convenient treatment option for many people who suffer from SAD.
Some people find antidepressants more effective than other forms of SAD treatment. Each case of SAD is unique and the treatments that prove effective for one person may be ineffective for another.
If you believe an antidepressant could work for your SAD, discuss your options with your doctor. In many cases, people with SAD can take medications seasonally to coincide with their symptoms.
One of the downfalls of antidepressant medications is the risk of side effects. For some people, the negative side effects outweigh the benefits of the drug, forcing them to turn to alternative treatments.
Vitamin D supplements are a very popular, natural way to manage SAD. Supplementation enables you to boost your vitamin D levels without sitting in front of a lamp each day or braving the cold to get a little sunlight. Vitamin D supplements are typically most effective when used in conjunction with other treatment options.
Various herbal remedies are also said to be helpful in managing SAD, though St. John’s wort is most frequently used.
To tackle your SAD, you do not necessarily need to take medication or buy a light therapy lamp. Some people have success by simply including depression-fighting activities in their daily life.
Exercise, for example, is one of the best activities for battling the symptoms of depression. The endorphins released during exercise offer a mood boost and can make you feel better even on a cloudy day.
Yoga in particular, is said to be excellent for those struggling with depression. Yoga combines soothing meditative thought and exercise to create an uplifting experience, which makes it a useful strategy for people who also experience anxiety with SAD.
Some other helpful activities include socializing, volunteering, crafting, attending religious events, and sometimes even cleaning. Any of these have the potential for a powerful impact on your mental state.
If you suspect you have SAD, seek the help of a healthcare professional for a definitive diagnosis and to discuss the treatment methods that are best-suited for your unique needs.
Don’t write off your symptoms as something you just need to live with!
Those who remain undiagnosed or untreated are at risk for substance abuse, as they may turn to alcohol or other substances in an effort to self-medicate or escape from their symptoms. Alcohol or drugs may seem to help temporarily, but they will ultimately make your symptoms worse.
Talk to a professional and establish a proper treatment plan to start managing your SAD instead of allowing it to manage you.
Laura Baker is an expert on keeping DIY projects simple and inexpensive. She is also an advocate of healthy and holistic living. She is part of a wonderful team at LearnFit, contributing great tips on DIY, healthy living, and more.
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Cleared all my CPA exams!!
Baba is truly very kind. I have cleared all my exams with his blessings. He has been with me always and guided me through my journey. He has blessed me with Godly parents who have been with me through everything. I owe my life to my parents and my Baba! Om Sai Ram.

industry_corpus2: Finance & Economics


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Theresa May has published the 585-page proposed Withdrawal Agreement and Outline Political Declaration – which together make up her Brexit deal.
The prime minister said it was the ‘best that could be negotiated’ and the choice was her deal, no deal or ‘no Brexit at all’.
It followed a marathon five-hour Cabinet meeting in which ministers eventually agreed to support the deal.
But several of the ministers round the table are reported to have spoken up against the deal.
And a move by Brexiteer Conservatives unhappy with the deal to try and oust May as leader is now said to be ‘imminent’.
The backstop – which will come into force if no final trade deal is agreed – will keep the UK in a customs territory with the EU.
Northern Ireland will also apply additional EU rules to goods to prevent the need for border checks on the island of Ireland and putting the Good Friday Agreement at risk.
Under the terms of the backstop there would be a need for checks on goods traveling from the rest of the UK to Northern Ireland. The DUP has consistently said it will oppose this.
But the agreement does not allow the UK to unilaterally end the backstop as many Tory Brexiteers have demanded. The EU has to agree.
The transition period, due to last until the end of 2020, can be extended just ‘once’ until ’31 December 20XX’ at the latest.
The UK must ask by 1 July 2020 to extend the transition if it believes more time will be needed to strike a full free trade deal with the EU.
Also set to upset Brexiteers is the agreement that European Court of Justice (ECJ) rulings made during the transition will have ‘binding force in their entirety on and in the United Kingdom’.
But May believes she has won a key concession from the EU of a ‘sliding scale’ of what kind of regulatory rules the UK has with the EU in future.
A senior government source argued this leaves the UK as the ‘the only advanced economy that has that relationship with the EU’.
The Chequers plan has been rhetorically chucked in an attempt to appease Tory MPs. The PM’s plan for a common rulebook and future customs arrangement with the EU does not appear in the agreement.
The prime minister will make a statement in the Commons tomorrow (Thursday) morning.
An EU summit has been pencilled in for 25 November to rubber stamp the agreement.
But May now faces an uphill battle to win a Commons vote on the deal in December given opposition from Labour, the SNP, the Lib Dems, her DUP allies as well as Brexiteer and pro-EU Tories.
It’s hugely complex, stuffed full of annexes, protocols and legal ‘articles’. But just as a Budget red book often buries its bad news, Theresa May’s Brexit deal has more than a few items that will really worry Tory backbenchers and the DUP.
With more small print than the terms and conditions in an iPhone licence, one thing that MPs may find hard to swallow is Article 132. It states that the transition period for Brexit, where the UK basically adheres to many EU rules, can be extended beyond the current deadline of December 2020 to an as yet unspecified date.
Although the XXs in the text’s ‘20XX’ end date will be filled in by the time MPs vote on the deal, some Leavers will worry that it will be so far away that it feels like a ‘Hotel California Brexit’, where you can check out but never leave.
While that will fuel the worst fears of Tory Eurosceptics, what will concern May’s DUP allies is the fact that Dublin’s ‘backstop’ for the Northern Ireland border problem is still alive, though hidden deep in the document. It states that the protocols will be temporary but “shall apply unless and until they are superseded, in whole or part by a subsequent agreement”.
For May, there are things she can sell, not least getting the EU to abandon its binary choice between a Canada-style free trade agreement and a full European customs union. The ‘sliding scale’ of regulation, plus the ditching of the language of Chequers (‘common rulebook’), may be enough fudge to persuade some wavering Tory MPs. But with so much turbulence tonight and talk of leadership letters, it’s far from enough to calm a growing rebellion among her troops.
Wait, Did Theresa May Just Say There Might Be ‘No Brexit’?


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Have your heart set on an XE, F-TYPE or maybe an I-PACE? We have a wide range of Jaguar vehicles available for you to browse and select online. First things first though: Define your monthly budget and whether or not you want to complete a vehicle trade-in.
Think of this experience just as you would approach a dealership visit. Use the Monthly Budget slider to indicate how much you can spend on your Jaguar every month. Do you have a deposit? Use the slider to let us know the amount. With the Payment Term slider indicate over how many months in total you’d like to repay your Jaguar. Finally, you’ll need to indicate your preferred Interest Rate. Once you’ve determined everything simply click on continue and we’ll take you on to the next step of selecting your Jaguar.

industry_corpus2: Automobiles


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It's critical that we realize our lives can change at any moment. Realistically, there will come a time when our everyday life will suddenly be altered; the only question is when. It could happen when you least expect it. You might get a dreaded phone call, come up with a brilliant idea, loose your job, meet a new friend, discover a new career direction, or fall in love. You just never know, and this is one of the reasons why life is so exciting and mysterious.
I know it's not easy to shift out of what we do and how we do it, nor is it easy to shift our views in order to see new things in place of the old. It is often frightening and confusing to make a shift away from the familiar in order to embrace the unknown. Yet it is necessary energy we must apply in order to grow. No matter how challenging, difficult, or hard it may seem, shifts are necessary to free ourselves from the confinement of our unnecessary self-made mental, emotional, or physical limitations. All shifts create a vibration which in turn affects everything around it. If you shift a piece of chalk in a box, all the other pieces of chalks will move. Sometimes moving a single piece of chalk will cause a slight shift. Under other circumstances, moving a single piece may mean the others fall, crack, and crumble. This is why sometimes in fear of the effects our changes will create, we delay making a much-needed shift in our minds and behaviors. As a result, our lives and everything around us remain stuck. Being stuck can lead our spirits to develop negative emotions -- such as frustration, depression, confusion, doubt or even anger -- that we don't truly understand.
Nevertheless when the time comes to move (and you'll know when that time is, just as long as you choose to acknowledge it), all I can say is, you must move! However, there are important factors that you must also take into account when making changes in your life -- that is, to consider all the different kinds of income you need to produce. Aside from monetary income there are also psychological, spiritual, and physical income. You have to consider the balance in all your accounts because a high figure in one and nothing in the others adds up to a very low average. Realize when you choose a certain kind of behavior, you also choose the consequences of the balance in each account. So let's say you choose to invest 90 percent of your energy in your job and 10 percent in your personal relationship -- it doesn't matter whether you can justify the demands at work -- essentially what matters is that you've chosen to allow your personal relationship to loose a vital connection.
Be truthful about what isn't working in your life. Honestly assess where you stand with your beliefs in self-management -- mentally, emotionally, physically, and spiritually. You cannot afford to be fearful, defensive or to be in denial; this can truly harm you. It diminishes what might have been a real chance to overcome a problem had the solution just been pursued in time. So you have to have the strength and courage to ask yourself the hard questions, and give yourself realistic answers. Remember -- you can't change what you don't acknowledge. If you refuse to acknowledge the changes that occur or need to occur in your life, your own self-destructive behaviors will not only continue, they will actually gain momentum, become more deeply entrenched in the habitual patterns of your life, and grow more and more resistance to change. And let me remind you, nothing glorious can come out of this!
Copyright � 2005 Penny Phang Enterprises, Inc. All rights reserved.
What was your energy level like today? Did you wake up this morning like Tony the Tiger feeling Grrr---ate?.? Did you jump into all your activities today with enthusiasm? Were you rarin' to go at the first chance? Did your "get-up-and-go" rare up and roar, or, did it get up and went?Down For The Count!Well, if your get-up-and-go got up and went, let's see if we can do something about it.
First principle: You and the universe is one.In order to achieve higher level of awareness, we must accept this unity consciousness.
What does one do when one is too old, too weak, and feels powerless and regretful? What does one do when one looks back at his life and sees nothing that was worth living for? What does one do when one sees the future coming to an end - the end of a journey? "The journey was not mine," said the old man. "What was that about? Why was I here? What was I suppose to do? Where am I going and will I ever come back? Come back to what, to whom and for what purpose?""What if I would come back, what choices would I have? What roads would I take? What would all this mean to who I will become once again? Would I live a life in fear, in a cage with limits, expectations and demands imposed upon me? Would I blindly follow instructions that would once again lead to destruction? Would I allow my soul to guide me? Would I let it grow, be nourished, and be what it needs to be? Or would I again stifle my inner core to waste, and to be lost as I had allowed it to be lost in this lifetime?"The old man sat under a large apple tree, leaned against its trunk with his legs extended in front of him.
An integral piece of charisma is establishing a presence, so let's examine 3 ways to establish your charisma presence, that will clearly tell all around you "I'm a player and a force to be reckoned with!".Your Mother Was Right: "Stand up Straight!"; "Head up!"; "Shoulders back!"; "Chest out!"; "Don't slouch!"; are some other things you heard as a child.
What I am about to tell you will take a very open mind to comprehend. So please, open your mind.
FENG shui (say "fung shway") is the art of creating a home environment that supports the life you wish to live. A key element of feng shui is creating a smooth flow of chi (positive energy) through your space.
"You cannot step into the same river twice"Hericlitus spoke those words around 500BC. A very wise man, Hericlitus.


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Ronald G. Russell; Jeffrey J. Hunt; Parr Waddoups Brown Gee and Loveless; Attorneys for Appellees.
Mark O. Morris; David P. Williams; Snell and Wilmer; Attorneys for Appellants.
Reply Brief, Johson v. Hermes Associates, No. 20040729 (Utah Court of Appeals, 2004).

industry_corpus2: Law & Justice


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Fiesta Friday! This week I am bringing some delicious, moist, flavorful and healthier yummy muffins. I love muffins and make them at least once a week to take to work, for a quick after school snack for my son …always just a great on the go or anytime treat.
These turned out really good, full of that wonderful peanut buttery taste. Love the peanut butter, banana and chocolate combination …yum! I hope the crowd over at Angie’s, The Novice Gardener enjoy them as well. Come on along with me and join in on the fun.
Preheat oven to 400°F. Lightly grease a 12-cup muffin tin and set aside.
In a large mixing bowl, beat together the mashed bananas, peanut butter, honey, yogurt, egg, oil and vanilla until smooth.
In a small mixing bowl, stir together the remaining ingredients. Add to the wet ingredients, and stir until barely combined. Divide batter among the prepared muffin cups.
Bake in preheated oven for 20-25 minutes, or until a toothpick inserted into the centre of a muffin comes out with a moist crumb. Let cool in the pan for 10 minutes, then transfer to a wire rack to finish cooling completely.
Happy weekend everyone! And as always, Happy Baking!!
Hey Arlene, from one muffins lover to another, great recipe, your muffins look super soft and moist, yum!
These look lovely and moist Arl! And a great little snack to pack in lunch boxes too! Thank you for bringing these to the party – Happy Fiesta Friday!!
Thanks so much Selma! Yes, they come in handy during the week for work and school. Hope you are enjoying your weekend!
Wow Arl, these look so moist and delicious! Perfect for any meal or snack.
I am sure the people you work with are envious. It is also a great way to make it through the morning and keep your focus.
these are a must try!!
Thank you!! 🙂 They were good!

industry_corpus2: Hospitality & Catering


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Welcome to Carvel at Plaza Juana Diaz Mall. When it comes to ice cream, we nail it. Our shoppes have every kind of ice cream treat you can imagine: soft ice cream, scooped flavors, toppings, shakes, sandwiches, Sundae Dashers®, take-home treats and our famous ice cream cakes. Everything is made fresh, so no matter what kind of treat or design you want, we make it happen.
Carvel...America's favorite soft serve ice cream since 1934 is serving up smiles in the Juana Diaz community with delicious handmade ice cream, ice cream cakes and take-home treats.
Stop by our convenient location at 52 Carretera 149 to enjoy one of our famous ice cream creations, such as a classic sundae, thick shake, Sundae Dasher® or Carvelanche®. Take-home treats, including Carvel Flying Saucers®, OREO® Lil' Rounders®, dipped cones or Chipsters®, are also available to pick up.


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A no-wave Nico, this Portishead protégée’s unpolished voice pairs nicely with trashy dub.
The latest diamond to be mined from the underground, Anika bears the imprimatur of Portishead’s Geoff Barrow, whose other band Beak> backs the singer on her self-titled debut. Unapologetically raw, it’s surely one of the most sinister recordings ever issued on hip-hop imprint Stones Throw.
Comparisons to Nico are hard to avoid, even beyond the mononyms. Their faces draped in rigidly straight, bleached-blond strands, both force out English syllables in a robotic German accent. But where Nico had the Velvets as a backdrop, Anika works in murkier textures, floating her reverb-drenched monotone over woozy krautrock, trashy no-wave and brooding dub, punctuated by damaged guitar leads and driving bass lines.
The Brit-born, Berlin-bred artist put her career as a political reporter on hold to do music. Her debut carries traces of that day job with two dub versions of Dylan’s “Masters of War,” the first of which drops in an interview with a U.S. soldier lamenting the occupation in Iraq.
On “No One’s There,” one of two originals on the album, she blares out a bleak refrain, “Stop looking over your shoulder / No one’s there,” as a guitar squeals and moans over an insistent reggae pulse. Unpolished and opinionated, the 24-year-old seems utterly malleable, a quality that must’ve been appealing to Barrow. Though he’s busy with the Portishead tour, his Beak> bandmates back the agitprop chanteuse in her Chicago premiere.

industry_corpus2: Film & Entertainment


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The East Bay has a remarkable network of hiking trails, and Concord offers easy access from within the city limits, as well as several great dog hikes just a short hop away.
Lime Ridge Open Space, accessed from Treat Blvd. in Concord between San Miguel and Cowell Road, includes several trails linked to the regional trail network. Over 1200 acres of pristine open space and 25 miles of trails are held jointly by the cities of Concord and Walnut Creek. Although leash rules vary depending on what section you are in, rangers recommend dogs remain on-leash at all times.
Shell Ridge Open Space, in nearby Walnut Creek is a real treasure, with several convenient trail heads. Well-behaved dogs are welcome, and there are some great off-leash areas for dogs under voice control. We recommend keeping a leash handy, as there’s lots of wildlife in the area. Make sure to bring water, as it does get hot in summer.
Mount Diablo dominates the landscape, and Mount Diablo State Park (with a visitor center in nearby Clayton) is huge, with many undiscovered trails, great camping areas and wonderful recreation areas. Dogs are allowed only in developed areas of the park. They must be kept on a leash during the day and in an enclosed vehicle or tent at night. Dogs are NOT permitted on trails or fire roads.
Nearby Briones Regional Park, part of East Bay regional Parks, has lots of opportunities for off-leash fun, with a few restrictions: Dogs are required to be on leash at all times in the following areas: Tavan Trail (all), Diablo View Trail between Alhambra Creek Trail and Hidden Pond Trail, Alhambra Creek Trail from the Alhambra Creek Staging Area south to the water trough, and Orchard Trail between Alhambra Creek Trail and west to the Briones Road gate. These leash-required areas are indicated by signage within the park.

industry_corpus2: Travel & Geography


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Hello, everyone! I'm delighted to have you stop by here for a visit. It's a snowy morning here and so the title of this post is rather appropriate! We're almost into March and I'm dying to see some of the flowers of the frost. What are they you ask? Well, they are the tiny little bulbs that brave the cold of winter and pop up to bring brightness to the dull winter landscape. I've loved them for years because they are a harbinger of what is to come with the spring and summer. I love my garden and every year I add new plants and shrubs. I also add some of these little gems. I tuck them into small areas where I can see them from the windows on a cold blustery day. Years ago I read the quote attributed to Gertrude Wister that says "The flowers of late winter occupy places in our hearts well out of proportion to their size." I agree with that wholeheartedly! So, I've wanted to do a project incorporating that sentence for a long time. Finally, I've done one!
I'm always cutting pictures and whole pages out of magazines and keeping them in file folders. The biggest folder is one that is filled with flower pictures. So, as you might imagine, many of the pictures are of those little gems of late winter. That was the starting point of this canvas. I covered the canvas with gesso and when that was dry I added fiber paste to some areas with a palette knife to add some texture. I used a combination of paint and stains in Bundled Sage, Weathered Wood, Iced Spruce, and Shaded Lilac. I also used Lindy's Stamp Gang Glitz Spritz in Cactus Gold add some shimmer. When it was completely dry I did some stamping with Watering Can archival ink. A technique I learned from Seth Apter and that I use a lot is cross hatching with paint and a credit card to create some texture and color on a canvas. I did some of that, adding more color and texture to the background. I glued down the magazine clipping of potted snow drops and crocuses and then dry brushed it with gesso to blended it in and weather it some. I printed the quote on cardstock and cut it out attaching it to grunge board to pop it out. I darkened the edges with Weathered Wood DI and used my finger to lightly rub some gesso over it. I wanted to high light one of the snow drops so I used a stick on acrylic disk over one of the flowers. I used a tag cut of the same CS and darkened the edges of that and added it to the top of the canvas with a piece of ribbon from the stash under it. I used the same ribbon along the bottom to ground the whole composition and keep it from looking as if it was floating in the air. Here are some details.
I'm so pleased with how this turned out. I enjoyed working on it and it kept me thinking that soon I'll see my snow drops and crocuses. Of course, we need to get rid of the snow on the ground first!!
Well, that's it for today. Thank you so much for visiting with me. I appreciate your visits and your kind comments very much. I hope you have a wonderful day and get some time to be creative in whatever medium you chose.
Your beautiful work here allows for Hope...hope that one day, we will have color again and we will see those larger-than- they-really-are flowers.
Oh how beautiful - I love the picture you used and the background is gorgeous, such pretty, delicate colours and beautifully Spring-like! I've never heard the quote before but it is so true, and it is perfect for the image. I LOVE that ribbon - the shades are so beautiful. Thank you so much for stopping by my blog earlier - I do appreciate your kind comments. Hope the snow disappears for you soon, and then your bulbs can pop up!
I can't wait for my flowers to show up!! love crocus and snow drops, and well all of them!!! This is a wonder piece to tide you over until they arrive .... here's to seeing them soon - please!
I feel guilty that I'll be dashing out to do some errands later this morning in just jeans and a light sweater! Atlanta has been thankfully spared all this winter's drama! I have SO enjoyed taking in all the details of today's post. Took my first collage class this month at Art Retreat in the Desert and Seth Apter's name came up a lot. Just love the grace and beauty of your elegant composition!
This Lover of winter is actually longing for springtime, too!!, I don't mind the snow so much, but last week's sleet/freezing rain just did me in! The sun doesn't quite hit most of my patio in the winter, so it has been like an ice rink!
Love this post today! My favorite part is the stick-on disc...talk about 3-D! That is so cool! The colors are so lovely, here!


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Bailey McBride, a longtime professor of English and former administrator at Oklahoma Christian University, became interested in The Christian Chronicle when he started college. In 1979, when John Beckloff, pioneer missionary to Nigeria, bought the Chronicle and moved it to Oklahoma City, McBride became part of an advisory board and eventually began working for the paper under the direction of editor Howard Norton.
He taught at the college level for most of his adult life, specializing in 18th and 20th century British writers. He taught while serving as Vice President of Academic Affairs for Oklahoma Christian. His last major project before retiring from the university was directing and teaching in the Honors Program.
McBride and his wife, Joyce, were married for nearly 59 years. In 1966 they began worshiping with the Memorial Road Church of Christ in Oklahoma City, where Joyce McBride taught pre-K Bible classes for 45 years. Bailey McBride served as the church’s education director, as a deacon for missions and as an elder. He and Joyce raised three children in the church. They have 12 grandchildren (four by marriage) and two great-grandchildren. Joyce McBride died in April 2015.
In 2017 Bailey McBride married Linda Samples. He continues to teach Bible classes for the Memorial Road church and makes regular trips to Europe to encourage Christians there. His great passion is mentoring younger men and women as they seek to teach and to serve.
Panera and Psalms: Where do you find much-needed reflection?


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Weight: Wall mount approx. 160-190 lbs. 19″ rack mount approx 70 lbs.
The EMRC Gas Flow Monitor is designed to measure the dynamic pressure of gas flow in a stack. This document outlines the basic measurement principles employed and how the system measures gas flow. Maintenance requirements are covered under separate sections for ease of reference.


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The area around Domaine de la Hamberie is fortunate enough to have attractions that can suit all tastes, from peaceful walks to go-carting, paintballing and tree-walks with ziplines. It is an ideal venue to keep a variety of tastes, and ages, amused and entertained. Here we offer some ideas of places to visit with a young family.
Sunday The Castle in Falaise, the home of William the Conqueror is open to the public and is a great place for the whole family. Afterwards, a crepe for lunch in the town centre is ideal.
Then back to the farm to spend a relaxing time in the pool and playbarn.
Monday A morning trip to St Pierre-sur-Dives Market.
On the way back from the market there is a great venue for younger families called Rando Loisiers - this is a horse riding centre which also has a petting park with baby goats and other animals as well as large inflatables for younger children. You can easily lose an afternoon.
Tuesday Festyland is a brilliant themepark near Caen that offers something for everyone. A great day out for all the family.
Wednesday The Pegasus Bridge Museum is a must see while in Normandy, and afterwards it's close to the beach at Ouistreham where horse riding, and go-karting are available.
Thursday The Beauregard Adventure is great for all ages with tree walks and zip-lines as well as paint-balling if that's your cup of tea. It's a lovely spot for a picnic too.
Argentan in the afternoon has a lovely park around a lake right next door to the Lace museum which is a nice family venue.
Then back to base for a quiet afternoon relaxing before getting ready to return home.
The map shows all the venues mentioned and a few extra ones..


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Lee Johnston on the Jackson Racing Honda Supersport machine at the North West 200.
Northern Ireland’s Lee Johnston has parted company from the Jackson Racing team days before practice for the Isle of Man TT gets underway.
Johnston was due to compete in the Superbike and Supersport classes for the Preston-based team on Honda machinery around the Mountain Course, where practice is scheduled to commence on Saturday evening.
The Maguiresbridge man had been set to ride a new Fireblade SP2 in the Superstock class at the international meetings this season in the Jackson colours, but a shortage of available machines meant Johnston reverted to his former East Coast Racing BMW at the North West 200, with permission from the Jackson team.
On Wednesday morning, the team issued a statement saying they are talking to another rider and 'are hopeful we can at least have two Supersport machines on the grid'.
The statement added: 'The Superbike will be prepared ready with the view that if the right rider comes along then we will run it'.
Johnston, who is based in England, claimed two podium finishes at the North West, earning a fine runner-up result behind 21-time winner Alastair Seeley in the second Superstock race and third place in the first Superbike race.
He also sealed fifth in the Supersport class and fourth in the opening Superstock race.
The 27-year-old will ride for Ryan Farquhar’s KMR Kawasaki team in the Lightweight race at the TT in a four-man line-up that includes Josh Brookes, Peter Hickman and Danny Webb.
Johnston is expected to continue riding the East Coast BMW in the 1000cc races at the TT and may also have the chance to ride a 600cc Honda for Padgett's Racing.
Meanwhile, Jackson Racing yesterday announced that Australian rider Brookes had taken over John McGuinness’s seat in the team to compete in both TT Supersport races.
The Morecambe man has been ruled out for the remainder of the season after sustaining injuries during a crash in Superbike practice at the North West 200, including a badly broken right leg.
British Superbike frontrunner Brookes returns to the TT this year as a factory Norton rider, bolstering the ranks for the British team along with fellow countryman David Johnson in the RST Superbike and PokerStars Senior races.
The Bringelly man will also make his debut in the Bennetts Lightweight race, when he will ride a Kawasaki for Ulsterman Farquhar.
In other TT news announced yesterday, Flying Kiwi Bruce Anstey has been drafted in as a replacement for McGuinness in the Japanese Mugen team.
Anstey will team up with Guy Martin for the TT Zero race on Wednesday, June 4.


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I should be walking on top of the highest peak in the Southern and Western hemisphere in about 15 days.
I’ve got a friend watching FTSOS while I’m gone. He may make a post or two, but I’m not sure. Either way, I’ve scheduled a bunch of stuff, so posts will be made.


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What is an invitation and why do I need one in order to apply for a visa?
Whatever type of Russian visa you need (with the exception of a transit visa), it requires a specific visa support document. That is an invitation issued by the host that invites you to Russia - tout agency, friend or relative, legal institution or a company-employer.
I want to get a tourist invitation, but the travel dates are inexact so far. Can I give a tour agency rough dates within the same month?
Yes, you may mention rough travel dates within a month. But please, note, some Consulates prefer to have identical information on your invitation, application form and tickets, so this discrepancy might lead to visa refusal.
I have booked a hotel room in St Petersburg, Russia, and received a booking confirmation. Is it enough to apply for a Russian tourist visa?
No, you need to have a tourist voucher and an invitation. They could be issued only by the company registered by the Russian Ministry of Foreigh Affairs and having reference number. Ask the hotel managers if they could assist you with it (most hotels provide this service).
Do I need an original invitation or is a fax/email copy enough?
Some Russian consulates accept only original invitations, while others take fax copies or even e-mail (scan) copies as well.
Who issues business and tourist invitations?
Business invitations are issued by the Russian Ministry of Foreign Affairs or by the Passport and Visas Department of the Ministry of Interior of Russia upon requests of accredited companies. Tourist invitations are issued by Russian travel agencies, accredited in the Ministry of Foreign Affairs of Russia.
How fast I can get Russian visa invitation?
A single or a double entry invitation for russian tourist visa can be processed in 1 business day.


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1 ) Answer all the questions.
2) Students of Freshers' Scheme (2Oll-12 onwards) answering for100 marks should answer2 out of 4 questions in Part - A, III Main question.
3) Students of Hepeaters'scheme (20'10-11 answering for 90 marks) shoutd answer 1 out of 4 questions in part - A, III main question.
1. How is the Environment Day observed as mentioned in 'She Spoke for all Nature'?
2) What have the environmental movements in the North been related to ?
3) What does the phrase 'Moral Poverty' mean in 'Tiger Tiger Revisited' ?
4) ln the 'Ballad of the Landlord' how is the tenant evicted ?
5) Why does Carmen say Francoise was as much her daughter as Madam's ?
6) Who is Munshi Khairat Ali Khan ?
7) What are Jerome's memories of his father ?
8)ln the past,societies Were based on-.Then efast-movings fridy of the present is based.
9) Who is Rachel Carson compared with and why ?
1) How did reading contribute to the Young Rachel Carson's success ?
2) ln the essay 'Two Kinds of Environmentalism' which movement appeals to you more ? Give reasons for your preference.
3) Justify the title 'Ballad of the Landlord'.
4) Give a brief account of Carmen's background.
5) Explain why Alarakkhi is heart-broken on pay day.
6) How did Jerome's aunt describe her brother's death to strangers ?
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Like how? Huh? I know. I first learned of this technique from Joanne at Canuck Quilter Designs. It has made me quite like paper-piecing ever since! **Note! This tutorial will be needed for my upcoming Freefall QAL which begins on the Spring Equinox. When is that? Monday, March 20 at 6:28 am EST. If you want to try this method with minimal fabric to make the leaf point or just to make some cool triangles in a square blocks, here is what you do to get a 3" finished block as shown.
This method gets rids of both of those issues, and allows you to reuse multiple times the paper template. You can use freezer paper if you like, as Joanne does, because a touch of the iron will adhere it to your fabric. Alternately, you can use graph paper as I did, and use a dab of a gluestick to hold the first piece of fabric to the back of the graph paper. I've done both; the only difference is that with graph paper/gluestick, there is a wee bit of gluestick residue on your fabric, but less is more remember, and a spritz of water will remove anything if you ensure you use washable glue.
1. To get the paper-piecing template you see above, first draw a 3" square, leaving room to add seam allowances. Put your pencil at the opposing corner to the one where my 'mmm! quilts' watermark is and draw a line that ends on the halfway point of the opposite side, so, in this case, at 1.5", of the bottom side of the square. Put your pencil back on that starting corner point and draw a second line that ends at the 1.5" mark of the side of the square perpendicular to the one on which you first ended. Label this inside centre triangle, '1'. Label each side triangle as I have, 2a and 2b.
2. Now add 1/4" seam allowances (I like to make a dotted line) around all four edges of the square. Cut out on the dotted line. Last step that will help for later: fold along the straight lines you drew to form the inside triangles.
Update: Click here (affiliate link to my Craftsy store) for a free downloadable PDF of the leaf point made by Tish 😘 in EQ7.
1. I find this really cuts down on wasting fabric when paper-piecing. Trace the leaf point shape #1 from the template you just made. Now add 1/4" seam allowances all around. Here is a tip I learned whilst taking a Kaleidoscopes class.
Because your pencil adds width by nature of its lead thickness, this gives an accurate 1/4" allowance. Place the 1/4" line, which in my 1x6" ruler's case is the solid yellow line as indicated by the top right arrow, just on the inside of the pencil-drawn line, as indicated by the top left arrow. Draw your 1/4" seam allowance with a dotted line where I've indicated. Repeat this on all 4 edges of this leaf point, and then the entire process for the side triangle. You only need to do one side triangle, as you will simply flip it over if you need the mirror image side triangle. Label as shown below, labelling your side triangle 2b on the reverse side of 2a!
Here is your paper-piecing template, with the fabric templates both traced and cut out.
Cut your leaf point fabric and then see below for how to cut two pairs of side triangles! First you will need to cut two 2 3/4" x 3 3/4" rectangles and ensure they are stacked wrong sides together. Now lie your fabric template 2a so the seam allowances rest on the raw edges. You will find the rectangle slightly big, which is fine as that way we can trim the unit to a perfect square later. You will notice that you have an upside-down side triangle formed that, when you cut along the diagonal, and flip it around, matches exactly the 2a template. It's like a 2 for 1 deal!
No, wait--even better, because you've stacked 2 rectangles atop each other, you get 4 with that one slice, two of 2a and two of 2b, the mirror image!
1. Place the leaf point fabric wrong side against the underside of the paper, ensuring 1/4" of fabric extends beyond the stitching lines. Press lightly if using freezer paper, so the paper adheres to your fabric. If using graph paper, as I am, apply a very small swipe of a gluestick on the paper and then press the fabric against it.
Hold it up to a light source to double-check you're covered.
Now place one of the side triangles, doesn't matter which, right sides together on that leaf point fabric, aligning the 1/4" seam allowance beyond that stitching line.
The green side triangle fabric should be right below that paper folded-back side triangle 2b.
Ensure you have a little dog ear sticking up that disappears exactly at the 1/4" stitching line.
Years ago one of my friends showed me this trick to ensure proper placement. All these weirdo angles and potential slippage of fabric/paper can lead to uncovered seam allowances, so simply very carefully, trying not to shift the fabrics as they are aligned, fold back over the paper template onto the about-to-be-pieced-in side triangle. Does it cover those seam allowances? Shift it slightly if need be. Bring the unit carefully over to your machine. Now let's stitch.
Fold that paper back on itself as you first had done when aligning raw edges. You are now going to sew right up against that folded edge, not through any paper. Sew slowly. You can chain piece these babies if you have a few to do (which we will in the QAL), so you might like to make a couple of copies of the pp template. Repeat for both 2a and 2b side triangles. Open out and check once more for coverage. If it's good, then carefully remove the paper, and then press the seams to the background or open, whatever you prefer.
Some important registration marks to aim for when squaring this unit to its required 3.5". Be sure to have the 1 3/4" dots on the seam line as indicated by my arrows. Then, at the leaf point, line up the 3 1/4" dot as shown by the third arrow. You may need to wiggle your ruler a bit to hit these three marks. Why is this important? Well, you will get a nice crisp leaf point for one, and hopefully align the 1 3/4" marks with the adjacent section leaf point. Once you've squared two sides, repeat with the other two, looking once again for the same 1 3/4" dots but this time the 1/4" dot at that leaf point!
The rest of the leaves are regular piecing. Of course, you really can avoid the paper totally if you want to simply use the templates you make as I showed you here.
Press to the dark side. vs Press open.
I learnt about freezer paper when I went to a Mariner's Compass class. So I am using it for the Canada 150 Logo. Started that, but found I had a mistake, so am starting all over again. I have done paper piecing, but hated tearing out all those tiny pieces, this looks like it will be a lot of fun in March. Your photos and the words all help to make it so easy to follow. Thanks.
I've been doing this too, but with freezer paper. I used it for Alison Glass's Tessellations and Feathers patterns. If you have a pre-printed pattern, just trace onto freezer paper. Use over and over and never rip paper again!
I use freezer paper all the time for paper piecing and love not having to rip out papers.
Yes I have done that method several times, especially with my leaf block runners. Can't remember where I learned that from. I never thought to use freezer paper though.
Great tutorial and tips: especially for getting the templates you will need for your fabric pieces.
Oh my! That's enough to boggle your non-quilting sister's brain LOL!
It is amazing what a little bit of glue will do. Thanks for sharing the tips. I especially appreciated the pencil width helping get your quarter inch.
Thanks for sharing. I learned to to use a second copy of the pattern to cut fabric the shape you need with the seam allowance. Definitely helps me paper piece much better. But I've never tried not sewing on the paper, even though you've told me to go check it out.
Thanks for this great tutorial Sandra. I love the accuracy you achieve with paper piecing but I hate sewing blocks together with the papers in and removing the papers. I had heard about using freezer paper for PP but hadn't seen how to do it. Thank you!
A very useful tutorial. I never thought of turning back the edge to sew along it and not through the paper. Very helpful.
I came over to see you from Jedi Craft Girl... I am really enjoying your blog!
think I am going to love this method of pp... thank you for your tutorial!


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This is a question I get a lot, how much should I be earning if I want to live in Dublin? So many people compare their salary back home to the salary here and then forget that the monthly budget you would need in order to live over could be very different to the monthly budget you had back home. When we first moved over, I wrote a post on the cost of living between Johannesburg and Dublin although that was a couple of years ago, it gives you a general idea on my perception of costs between the two cities. In this post I am going to share an estimate monthly budget for Dublin, which will give you insight into how much you need to be earning in order to comfortably live and pay your bills in Dublin.
First thing you need to do is to work out what your take home salary will be every month. Just a note that companies will give usually give you a salary offer per annum, not per month. So if you got a job offer with a salary of 30 000 euros, that’s probably per year – not per month! You also need to remember to deduct tax. The tax rate is high here, but it is fairly similar to South Africa, so for us this wasn’t a jump from what we were use to. Our friends from Dubai did not have the same experience! A handy online calculator to work out your salary after tax is this website.
Once you have a monthly take home salary, you should work out what your monthly costs will be. Just a note that these are estimates, and largely based on our own experience. Everyone has a different budget and way of living, so this is purely what we have found costs to be like here in Ireland. I think when you are deciding if moving to Ireland is going to be good for your family, you should always over-inflate your costs of living. The last thing you want is to move all the way over here, only to find you are not able to afford the lifestyle you had back home. A move as big as moving overseas should always be an improvement to living back home – or at least the same, but never worse. You don’t want to have to cut your costs and battle to make ends meet in a foreign country – moving countries is hard enough as it is, who needs the added stress of not being able to afford to live month to month too!
Once you have a job offer, then you can start looking where you would like to live, and what rent is like in the areas close to your work. Finding a place to rent is one of the hardest thing to do here in Dublin. There is a huge housing crisis and the demand for rentals and people looking for places to live makes it tough. We had the added stress of finding a pet friendly rental, I wrote a post about how to find a pet friendly rental, but the same process could equally be applied for finding any kind of rental. The average cost of rent in Dublin varies, but on average if you plan to live close to the city the average rent is 1800 upwards for a two bed apartment. Some people choose to move out of the city, which means the rent is slightly more affordable. But moving out of the city has pro’s and con’s to it, and in some cases you would need to buy a car if you plan to live far out of town and commute into work. Depending on where you work and where you plan to live, that commute might be just as bad as living closer and paying a higher rent.
Then you need to consider gas and electricity costs. On average these costs for us have been around 75 euros a month. The cost of gas and electricity will depend on how frequently you have the heat on in your home, and what kind of rating your home has. BER A1 means it is a highly energy efficient house, the rating goes all the way to G which would be the lowest rating and least efficient. The higher the energy efficient the house is, the lower your utilities costs should be. Currently no one pays for water in Ireland, but this could change in the future. For now, it is not a cost you need to account for.
We don’t own a TV, but we do have internet at home. We went with Virgin because they had a good deal at the time, but you can go with anyone really – most service providers have competitive prices, so you can shop around. For internet at home we pay 55 euros. If you own a TV you will need to TV license to get the national channels, and if you want something similar to DSTV or cable TV, then there are providers like SKY TV etc. We have found that internet is fine for us, with YouTube, Netflix etc you might not feel the need to own a TV.
Your company might offer you a company phone as part of your package, or you can just buy a new SIM and buy prepaid. When we first arrived, we brought our phones over from SA (make sure your phone is unlocked so that it is able to accept a new SIM!). We were on prepaid/top up for a while before moving to a SIM contract. Since moving here, we are hesitant to get into phone contracts and paying ridiculous fees for new phones. We both pay on average of 25 euros a month for data/minutes each month. We have never had to top up our data or run out of data since we moved here which is a serious novelty for South Africans!
This is a really personal thing, how much you eat might be half as much as what we eat. We had to live off one salary for over a year so we got really good at cutting our food bill and buying cheap. I find fruit and veg that is in season to be very affordable, and you can get a frozen pizza for 1 euro that isn’t half bad (especially if you are on a tight budget!). When we are saving and trying not to overspend, on average we can spend as little as 50 euro a week on food for two of us. We both drink, but not a lot and when we were struggling on one salary we lived off 50 euro a month for beer and wine that we consumed at home.
Drinking and eating out falls under entertainment for us, which even though we both have jobs and two salaries coming in, we limit to once or twice a month. We find eating out to be very expensive, especially dinners. We often look for early bird specials, or opt for lunch or coffee and a treat over a full meal. We would far rather spend our money on travel and doing cool activities over eating and drink our money away. There is a lot of free stuff you can do in Dublin, plus free museums you can visit – the city has loads of budget friendly activities you can do for the whole family. We do find walking in the park or going to the beach or mountains to be a good way to get out the house and not pay for it.
This will largely depend on where in the city you live, whether you use bus/train/luas or if you choose to buy a car. There is a monthly cap on public transport so I highly recommend getting a LEAP card which will mean that your daily/weekly/monthly trips will get capped. Right now the cap is 7 euro a day if you use the bus only, or 10 euro a day if you use a combination of transport or luas/train. The weekly cap is 30 euro for busses only or 40 euro for train/luas and bus. Rob is currently study which means he has a student card, this is a cheaper rate for public transport (not to mention entry fees and other deals!). If you decide you want to buy a car it is important to remember to get a car insurance quote before you purchase a car – we haven’t gone down this road yet but when we do, I will write a separate post on it. I do know that insurance as a foreigner is very expensive!
Once you have added up what your monthly living expenses will be, and if you know what your salary each month will be, then you can work out if you can afford to live in Dublin. The above doesn’t take into account things like: savings; retirement funds; medical aid; additional costs for children like school etc which are all super important too! Plus this is just a guide, or an estimate – everyone will have a different set of priorities and costs that they will need to consider, but I do hope this posts makes you think about what those costs might look like and for you to consider whether, with your monthly budget, you can actually afford to live and work in Dublin.
WAS THIS POST HELPFUL? WHAT ELSE WOULD YOU LIKE ME TO COVER – COMMENT BELOW!


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I will be there on this Tuesday, stay for one month and stop in Kuala Lumpur at start.
And where do you live my friend? Maybe we will be able to meet and eat something good together! That would be awesome!
I live 20 minutes away from Kuala Lumpur. We can definitely meet up! I am not working on Tuesday and Wednesday, we should meetup! Let me know which part of KL you plan to visit!


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Azure Automation is just a PowerShell and python running platform in the cloud.
It has something that is called “a feature” – Fair Share – which basically prevent you from running scripts longer than 3 hours.
Well, at least it will pause your script after 3 hours. And if you didn’t implement it as a workflow with some checkpoints – it will RESTART your script from the beginning.
The workaround is to connect your own machine (server or laptop) as a hybrid worker.
Since Azure Data Factory cannot just simply pause and resume activity, we have to assume that pipeline will not run more than 3 hours.
Before we create runbook, we must set credential and some variables.
Add a credential. It must be an account with privileges to run and monitor a pipeline in ADF. I will name it “AzureDataFactoryUser”. Set login and password.
We will use variables to parametrize some account information just not to hardcode them in our script.
Add four string variables and set values for them. First will point to the credential name, second will provide data factory name, third – resource group name and fourth – ADF`s subscription id.
You have to add powershell module to your automation account. Justo go to Modules, click “Browse gallery” and search for “AzureRM.DataFactoryV2“.
Select it from the results list and click “Import“.
Now we can create a PowerShell runbook.
Bear in mind, that working with PowerShell in Azure Portal is not the best way to create, debug and test your runbooks. I really suggest using PowerShell ISE addon for Azure Automation. Go to https://azure.microsoft.com/en-us/blog/announcing-azure-automation-powershell-ise-add-on/ and see for yourself.
We will use quick create, so select “Create a new runbook“, then name it and select type as “PowerShell“.
Use the script below in “Edit” mode, then save it and publish.
Invoke-AzureRmDataFactoryV2Pipeline is a cmdlet which I use to trigger a pipeline. Unfortunately, it is an asynchronous operation, so after triggering, we have to periodically check for running state and status.
This script will do it in a simple loop and there will be some wait logic before every iteration. You can parametrize the number of seconds. Every loop also prints out last known pipeline status and timestamp of that check.
Any status other than “Succeeded” will be treated as a failure.
Write-Output "Connected to data factory $DataFactoryName on $ResourceGroupName as $($AzureDataFactoryUser.UserName)"
Write-Output "`nFinished running in $($sw.Elapsed.ToString('dd\.hh\:mm\:ss'))!"
throw "There was an error with running pipeline: $($RunInfo.PipelineName). Returned message was:`n$($RunInfo.Message)"
Go to saved runbook, click “Start“.
Runbook will be queued. Go to Output and wait for results.
Azure Data Factory V2 – Incremental loading with configuration stored in a table – Complete solution, step by step.
This blog, all entries, pages and comments published on it, are my views and are not in any way the point of view of my employers.


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New Delhi, March 18 (IANS) The rift in East Bengal is getting wider by the day. Things took an ugly turn on Monday when Quess East Bengal CEO Sanjit Sen said that one needs to understand that there are three factions in the club – investing company Quess, Quess East Bengal, the faction looking into club activities, and its executive committee.
Contacted by IANS following Quess chairman Ajit Issac’s statement that some people were trying to politicise the current situation within the club, Sen said that it was not his domain and the chairman’s office should be contacted in the matter. He went on to add that he wasn’t even sent an invite for Monday’s working committee meeting.
“You need to understand that there are three entities (in the club) and the letter from the executive committee of the club has been sent to the chairman of Quess. We as Quess East Bengal do not have any invitation and it’s the club’s meeting hence we are not going to attend it,” Sen said.
In the same statement, howvever, Isaac also blamed some members of the club for getting involved in “avoidable politics”.
“Some members of the EB club on the basis of a strange letter from the Football Federation have been involved with avoidable politics and we will not be drawn to that.
Please work with us to help QEBFC and football in India to move forward. I want to thank all of you for your tremendous support and please note that we believe that QEBFC is a fantastic club with one of the best supporter base in the world. Together, let’s make the changes to make QEBFC a world class club,” he said.
“We are here to play football at every competitive stage and will play the game with every effort possible, when we know that the federation will provide a level playing field and a commercial structure that is sustainable,” he added.
“We want to play, but we have to speak to the investors. We have written to them. We are yet to hear from them,” he told IANS.
While the East Bengal club’s working committee meeting is scheduled for Monday, the members are yet to hear from Quess chairman on his availability for the meeting.


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New down payment rule change – will it affect you?
The new Liberal government is making its voice heard loud and clear with respect to the Canadian housing market and its concerns about an overheated housing market in certain cities in Canada.
While the industry knew changes were being considered, only a few would have bet on the speed with which they were delivered.
Without a doubt the real estate sector, including the mortgage market, remain top- of-mind with our new finance minister. This change, along with some proposed changes from OSFI related to lender capital requirements, and CMHC changes related to guaranteed fees in the mortgage-backed securities market will surely lead to incremental costs for our mortgage funders.
These two additional changes seemed to have been timed to bring about a series of changes at the same time, which taken together, are designed to curtail a rising housing market. It is important that we are as aware of them as we are of the down payment increase.
When funding costs for our lender partners increase, they are likely to be passed along to consumers in the form of higher rates. These increased direct costs to consumers, in the form of higher down payment requirements, combined with higher funding costs will certainly impact affordability on the margin. In doing so, the government is hoping it will create more balance in the market – perhaps by slowing it down in certain areas.
And while the intended ‘targets’ were likely Toronto and Vancouver, CIBC deputy chief economist, Benjamin Tal wrote a report that showed the unintended consequences may be felt more in cities such as Calgary, Victoria, Edmonton and Hamilton as those cities have a higher percentage of high ratio sales between $500,000 to $1M. That said, overall impact is estimated to be less than 3.5% of the market.
For more than half a decade we have been working though times of increased regulation and oversight. Some of those changes have brought about the increased use of secondary and private lenders for some, and increased down payment requirements for others. And while costs may have increased on the margin for some, ultra low interest rates along with a high degree of consumer confidence have buoyed housing markets in many markets across the country.
For years we have advocated government and policy makers to tread carefully around broad stroke changes to increase down payments. Given the government's intent to make this policy change I am pleased to see that it was done on the margin and took into consideration regional market realities. The Department of Finance has drafted the following FAQ for more context.
While our initial reaction is always concern, I think it’s reasonable to estimate that these changes will not dampen the real estate markets to the point of collapse. In fact, we will continue to operate in a very robust and confident lending environment.
As we are assessing this latest change, it’s important to remember there are still a number of very important items on the radar as it relates to potential changes in mortgage regulations. These include foreign ownership in a broad sense and Canadian residents buying investment properties. Since both of these items already require at least 20% down payment, other levers may be evaluated as a means to influence the market.
Mortgage brokers save consumers money, whether or not they use a broker. That is because competition breeds responsiveness. Even though we are living through a period of heightened regulatory oversight, the broker channel continues to grow. The reason is that consumers need and value our experience and expertise to navigate the mortgage landscape, ultimately sourcing them the lender and product best suited for their financial need.
If you are a mortgage consumer reading this, I urge you to contact your mortgage broker today.


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Nursing school is over, you passed the NCLEX-RN exam and received your state nursing license, and now it is time to find a job. Finding the ideal nursing job can be difficult, but being prepared to answer interview questions and providing strong references can make you the preferred candidate.
When applying for your first nursing position, you will need to use your professors, clinical instructors or prior or current boss for your references. If you are currently working as a nurse’s aide or volunteering, your supervisor will be able to speak about your commitment, attendance, and work ethic. You professors and clinical instructors can provide a different view, focusing on your learning abilities, teamwork, and commitment. Be sure to ask your potential references first if they are willing to speak or write on your behalf. If they hesitate, ask someone else. You want strong references in a timely manner. Be sure to ask your references for the best way for potential employers to contact them, as this will allow for a quicker review period and increase your chances of being chosen for a desired position.
Once you have been working as a nurse, your future references should include a manager, educator, or clinical nurse specialist who worked directly with you within the past few years. Employers want current information from someone in a supervisory or educational role. Do not use a fellow nurse who is at the same level as you are, as they will not be able to provide the required information. They need to be able to speak about your assets, attendance, teamwork, and areas where you sill need more development.
Again, be sure the person is aware that they will be receiving a request for a reference. I provide many references as the clinical nurse specialist of my current unit both for graduate school and new positions. I always ask the nurse to provide me with their resume and a list of accomplishments and committee participation. I prefer to make a reference very individualized, as it speaks to my knowledge of nurse’s abilities and potential assets. The more information the nurse provides me with, the better the reference will be. Remember to speak up so that you receive the recognition you deserve and increase your chance of landing your next job.


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The thermoforming blank made of PETG (polyethylene terephthalate glycol).
For the hygienic storage of mouthguards.
Thermoforming blank made of ethyl vinyl acetate.
For insertion into Dreve Mouthguards.