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A FHA loan is a mortgage that is insured by the Federal Housing Administration. It has different qualifications and underwriting requirements than conventional mortgages and is advantageous for first-time home buyers. Although it’s advantageous for first-time home buyers, FHA loans are often denied in underwriting. This can happen for many different reasons, let’s check these out.
- FHA Loans are rejected more often than conventional mortgages
- The number one reason that FHA loans are denied is due to a high DTI ratio
- FHA loans can be denied for other reasons such as poor credit score, high levels of debt, and low income
- FHA loans are a great option for first-time home buyers who don’t have good credit or the cash to make a large down payment for a house
What Percentage of FHA Loans Are Denied?
Although there isn’t any definitive data on how often FHA loans are denied in underwriting, there are data reports which show FHA loans tend to have a lower closing rate than conventional mortgages. According to a study conducted by the Federal Reserve looking at millions of mortgage applications, 14% of government mortgage applications get rejected. These included:
It was also discovered that rejections for conventional mortgages had a lower rejection rate of 10.8%. It’s worth noting that there are differences between FHA loans and conventional mortgages. In addition to this, the study revealed that the number one reason for mortgage denials was due to excessive DTI ratios.
What Would Cause an Underwriter to Deny FHA Mortgage
There are many different reasons that can cause an underwriter to deny an FHA mortgage. The three most common reasons include a poor credit score, high levels of debt, and low income.
Poor Credit Score
Bad credit history or overall poor credit score can cause an underwriter to deny an FHA mortgage. Most lenders will deny your FHA loan application if your credit score is below 600. However, the Federal Housing Administration recommends a credit score of 500 or higher.
High Levels of Debt
As previously mentioned, the number one reason FHA loan applications get rejected is due to a high DTI ratio. The DTI measures the ratio of your monthly revolving debt obligations to your gross income. Most lenders will reject your FHA loan application if your DTI exceeds 43%. It’s worth noting that some lenders are willing to go as high as 50% for your DTI, but most will deny your loan if it’s higher than 43%.
Low income can also be a contributing factor to your high DTI. However, it’s important to mention that borrowers still need to have enough cash to cover the down payment as well as pay the associated closing costs. Borrowers need a 3.5% down payment in order to qualify for an FHA loan. If you can’t come up with that, this is another common reason why your FHA loan can be denied.
FHA Loan Requirements 2022
If you’re in the process of trying to qualify for an FHA loan it’s important to know the FHA loan requirements. The main requirements include:
- The home must be the borrower’s primary residence
- Credit score of at least 500 = 3.5% down payment
- Credit score of 500 -579 = 10% down payment
- Mortgage insurance is required
- DTI up to 43%
If you’re a first-time home-buyer an FHA loan is a great option if you don’t have the best credit score or enough cash for a large down payment.
How Long Does it Take for Underwriters To Approve A FHA Loan
The amount of time it takes for an underwriter to approve an FHA loan depends on a multitude of different factors. In general, if the borrower supplies all the required documentation in a timely fashion an FHA loan should take no longer than 2 weeks to get approved.
However, it’s important to make the distinction between a loan getting approved and a loan closing. A loan approval simply means that the borrower is eligible for an FHA loan and that the underwriter has cleared all the conditions.
A loan closing is the last step in the mortgage process and is when you sign all the relevant mortgage documents and take responsibility for the mortgage. On average FHA loans take approximately 55 days to close. In general FHA loans take a bit longer to close than a conventional mortgage.
Do Underwriters Look at Spending Habits?
Underwriters analyze different aspects of your spending habits that may impact FHA loan eligibility. They look at your monthly revolving credit obligations to determine your DTI as well as how much money you earn.
They also analyze your credit history to determine if you have any late payments and how much credit you have used in the past. If they see that you have poor spending habits or a history of not managing your debt well, they may deny you.
Things You Shouldn’t Do During The Mortgage Underwriting Process
During the underwriting process, you should avoid participating in financial activities that may cause you to fall outside the FHA loan qualification requirements. Some of the activities you should avoid include:
- Making large purchases that impact your DTI
- Taking out additional loans
- Lying to your lender
- Changing jobs
- Fail to make payments to your existing consumer debt or current mortgage
If you happen to participate in any of the following above during the underwriting process, they can impact your FHA eligibility.
Can an FHA loan close in 30 days?
Although rare, there are instances in which an FHA loan can close in 30 days. This will depend on how quickly the borrower submits all of their required documents along with how quickly the underwriter approves all the loan conditions.


On April 18th, 1942 she launched 18 ground-base B-25 bomber to attack targets at Tokyo and Yokosuka. It was famous Doolittle Raid. In June 1942 she took part in the Battle of Midway. Her aircraft destroyed one Japanese cruiser and damaged some other ships. During August-October 1942 she operated in Solomons Islands area. On October 26th, 1942 during the Battle of the Santa Cruz Islands she was very heavily damaged by Japanese Naval aviation and abandoned by her crew. On the next day she was torpedoed by US destroyers and sank.
Took part in wars:
Battle of Pacific Ocean (1941-1945)
The Doolittle Tokyo Raid (1942)
Battle of Midway (1942)
Battle of Solomon Islands (Guadalcanal) (1942-1943)
Brewster SBA/SBN [ 1 ];
Douglas SBD Dauntless/A-24 Banshee [ 2 ];
Douglas TBD Devastator [ 3 ];
North American B-25 Mitchell [ 1 ];
Grumman F4F Wildcat [ 3 ].


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Best Western The Westley Hotel is a three-star hotel of Birmingham.
Best Western The Westley Hotel enjoys its location in the heart of England close to such tourist attractions as Stratford and Warwick.
The hotel provides rooms feature with free high-speed Internet access, private bathrooms with toiletries and flat screen TV.
The hotel invites its guests to the restaurant for breakfast, lunch or dinner.
There are four bars and three meeting rooms on side.
Free car parking, all-round-the-clock front desk and breakfast delivery to the room are always available for the visitors.
Year renovated: 2010.
Number of rooms: 37.
Best Western The Westley Hotel provides such kinds of rooms as Standard Single, Twin and Double Rooms, Executive Double Rooms and Suite.
All rooms are equipped with free high-speed Internet access, direct dial telephone, flat screen TV, hairdryer and audio system, iron and ironing board, Spanish styled bathrooms with toiletries and heated towel rails.
There is one restaurant and four bars at Robin Hood Golf Club.
Working hours are 6pm to 9.30pm every day.
The hotel Best Western Westley provides visitors with a free full english breakfast.
The hotel provides three conference rooms with air conditioning, free Wi-Fi in public areas and high-speed Internet access in all bedrooms.
Golf Clubs are available in the surroundings of the hotel.
The hotel provides 24-hour front desk, express check-in/check-out, luggage storage, room service, laundry, dry cleaning and breakfast delivery in the room.
Public areas and bedrooms are completely non smoking.
This field is required.

domain: travel


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Acclaimed drinks, dining, and decor combine in this stunning Flatiron hotel. Guests who like to push the envelope shouldn’t miss the nearby Museum of Sex, which boasts X-rated exhibits like The Sex Lives of Animals and a bounce house made out of breasts. Not sure you’re ready to go all the way? Grab a drink in the museum’s admission-free Disco Lounge bar lined with black and white portraits of the 70’s club scene.
Hospitality is something that New York prides itself on and that is pretty clearly evidenced by its best hotels. Every kind of traveler can find their perfect holiday haven in this glorious city, from sleek boutique hotels in the city’s trendiest neighborhoods to opulent luxury stays near the top NYC attractions.
You’ll even find some of the best spas and restaurants tucked inside their lobbies. Whether you’re a first-time visitor to the Big Apple or a local craving an inner-city staycation, these properties take the cake when it comes to hospitality and hotel perks. Cue room service.


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Infuriated, Clint Bowyer scrambled from the cockpit of his mangled Chevrolet and sprinted through the Phoenix garage area last Sunday as if he had overdosed on 5-Hour Energy.
Members of Bowyer’s crew already had launched a full-blown assault on their counterparts on the No. 24 DuPont Chevrolet. But Bowyer wanted a piece of its driver, Jeff Gordon.
Stand in line, Clint.
Lots of folks want a piece of Gordon, still, just not with clenched fists. His popularity with sponsors and manufacturers off the track has not ebbed with his recent results.
Hard to imagine, Gordon turned 41 in August. Harder to imagine, 11 years have flown by since his last of four NASCAR Sprint Cup championships.
But he remains one of auto racing’s most famous and marketable figures and, if any doubt had begun creeping in, one of its most motivated and competitive.
Still in focus
Again Sunday in the Ford EcoBoost 400 finale to Gordon’s 19th full season, the driver once known as “Wonder Boy” must settle for a secondary role.
The tight focus will target Brad Keselowski, a bold and boisterous 28-year-old pursuing his first Sprint Cup title, and Jimmie Johnson attempting to dash Keselowski’s dreams and claim his sixth.
But Gordon, who has not arrived at Homestead with a serious title shot since 2007, will command constant attention from ESPN cameras, as will Bowyer.
Gordon overreacted to NASCAR’s “Boys, have at it” encouragement of old-style rivalries to the tune of a $100,000 fine assessed this week for his retaliatory, admittedly intentional and brawl-inducing crash into Bowyer.
Bowyer, a winner three times in a breakout year, had ruined Gordon’s day when he slid up into him enough to cut Gordon’s left rear tire.
Feelings were rubbed raw. Emotional wounds won’t heal quickly. Grudges won’t be easily dismissed. And because any rematch between Gordon and Bowyer could indirectly imperil Keselowski and Johnson, their actions any time they’re in proximity on the track will be scrutinized and analyzed.
Gordon’s fit of pique even inspired far-fetched conspiracy theories, since Bowyer appeared destined to come to Homestead retaining a slim mathematical shot at the title had he finished the race in the top 10, where he raced most of the day.
Gordon, of course, not only is teammate to Johnson but listed owner on the Hendrick Motorsports No. 48 Lowe’s Chevrolet in which Johnson strung together his five championships from 2006 through 2010.
But Bowyer did, in fact, spin Gordon out of a probable Martinsville, Va., victory on April Fools’ Day this year, and a frustrated Gordon believes Bowyer has raced him recklessly two or three times since.
The normally affable and accessible Bowyer has clammed up at Homestead, uncharacteristically shunning media overtures. But Gordon carried through on a 20-year promotion of his career-long relationship with DuPont on Friday and spoke openly and candidly about his frustration a week ago.
He’s not impervious to growing skepticism that he ever will achieve championship form on an intensely competitive stage again. Indeed, he’s not the only headliner reduced to also-ran status by Johnson.
Yes, the 2001 to 2010 decade belonged to Johnson. But Gordon’s stamp on the 1990s in ways was even more emphatic. Between 1995 and 1999, the No. 24 coasted into victory lane 47 times. He reached double figures in victories three times in that span.
“I look back at the wins and the championships and the way things were going, and there was no stopping us,” he said.
By contrast, he has only five victories over the past five seasons. It’s easy to draw a conclusion that contentment away from the track with wife Ingrid and children Ella and Leo has mellowed him to the point he is not as driven as he was in his 20s.
Gordon actually concurred, to a point. “I feel like one thing that maybe I haven’t done enough is show the fire inside me” to still desire not just victories but championships, he said.
He expressed regrets Friday that his anger at Bowyer caught up Joey Logano and Aric Almirola in the crash. He admitted his emotions got the best of him.
But if the Phoenix sheet-metal combat served no other purpose, it sent a reminder that Gordon is not of a mood to fade away into the sunset.
“I don’t think [rivals] are going to be messing with me for a little while,” he said. And he wasn’t grinning when he said it.

domain: news


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I’ve kept journals ever since I can remember. Some have been pure diaries, some have been travelogues, and others have been more task/time management oriented. I’ve used everything from spiral notebooks to the really nice Moleskine books and I’ve tried (and rejected) quite a few apps and programs. (There’s just something about using a pen and paper that I find soothing and more supportive of deep thinking. Plus, I spend all day on a computer so I’m not really jazzed about spending more time journaling on the computer or tablet.)
Anyway, a few years ago, I moved from standard text journaling to art journaling. I thought it would be a way to boost my creativity. Now, I’m certainly no artist. At best I’m a doodler. But I do enjoy combining my words with colors, images, and collages that represent what I’m thinking and feeling. Then came the explosion of smash books and Wreck This Journal-type journals and my creativity really began to explode. I started cramming books full of all kinds of stuff and really enjoying the process. But it came with a downside.
Actually two downsides. The first is that it’s time consuming. I’ve found that I really only have time to create two really nice art journal entries a week. That’s problematic for someone who likes to keep a daily record of events. I end up supplementing my art entries with basic text and while there’s nothing wrong with that, I wish it didn’t have to be that way.
Second, it became more about the look of the thing than the content of the thoughts. Once I discovered Pinterest and started seeing all these amazing designs that people were creating, I got competitive. And when my lack of artistic talent made it so I couldn’t keep up with these fabulous artists, I got frustrated and found myself journaling less and less. I know I should be bigger than that and able to just say, “It’s my journal and I’m happy regardless,” but I’m not that person.
Enter the Bullet Journal. This is really a productivity and time management system, similar to the old-school Filofaxes and Day Runners that populated the late 80’s and much of the 90’s, except instead of using pre-printed sheets that you buy for every conceivable circumstance, you create your own. The basic idea is that you take a blank notebook of your choice and, using a system of icons, track your tasks, events, notes, etc. You create separate pages to track by the day, week, month and further into the future. The trick is that your entries are short bullet points rather than exhaustive accounts and you write them down as you think of them instead of setting aside “planning time.”
Now, I have no intention of using this system as described by its designer because I’m not looking for a time management tool. What I want to do is to incorporate the idea of short bullet point journal entries with art and smashing to make it easier to be both creative and thoughtful. Granted, there are some things that are still going to require a wall of text to work through. For the “heavy life stuff” I’ll stick with text entries, perhaps augmented with a few doodles or done on special paper. But for the day to day stuff and ideas, bullet points will work fine, I think. The idea of being able to journal as I go through the day and as I think of things is also really appealing. Since I’ll only be putting down short points, I won’t have to find a block of time to sit down and journal.
I hope that scaling back on both my text and my art/smashing will enable me to enjoy both a bit more. I don’t know that it’ll do anything about my competitiveness, but I’m purposefully not looking for images of nicely done bullet journals. I’m just looking for a way to bring back the enjoyment of journaling without having to give up the artistic parts that I’ve come to enjoy. I’ll keep you posted and post some pictures of my own work as I go along.
(Photos courtesy of JamesDeMers, werner22brigitte, Sh1ra)
Pingback: 31 Ways to Boost Your Creativity | Jennifer Derrick

domain: artistic


text: Why is it that pudental neuralgia was known back in 1985 where the doctors learned about it and treated it?? Why is it that no doctors from the USA went there to learn the technique and come home here to treat all of us suffering from it?? I have been told to my face by doctors that they never heard of it, or if they did, they wanted nothing to do with it because the nerve is too tricky or fear of liability or law suits. ( I meant to mention over in France 1985 ) Now this Doctor in Atlanta that has been having cures with freezing the nerve, the last few years! Again no doctors running there to learn! about it ???? Why should they learn when the bottom line is money. Just think of how much they would lose if they had to give up their useless treatments, injections, drugs and everything else? If they just freeze the nerve and we walk away cured????? It always comes down to money---is that not true???? It makes me very angry!! We are suffering and the health care system in USA does not give one damn. If we are all truthful to ourselves, we have to admit, that something is very wrong with this picture ! God forgive them!!

domain: medical


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Griffin does need to step up his game. His stats are pretty, but they're also pretty meaningless because 75 percent of his 649 yards passing have come while playing fruitless games of catch-up in the second half. Stunningly, he has yet to run the ball out of the zone-read this season,China Jerseys NFL Wholesale, taking away the very play that made him such a unique threat last year. Shanahan insists that's because the offense is forced to change its approach when trailing by multiple touchdowns.
Shanahan laughed when asked if he was considering starting backup Kirk Cousins instead.


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straw fans, napkins, wall hanging, plates, door hanging, picks, tablecloth, cups- Dollar Tree
favor bags, piñata- Hobby Lobby
straws, scrapbook paper (for bunting)- Michael's
white frames, black & white blanket- IKEA
dish towels- Francesca's
free Flamingle printable- Love the Day
Last week, Bear and I had our playgroup friends over for a fun little flamingo fling. The idea stemmed from one afternoon back in April when I strolled in Dollar Tree for a birthday card and walked out with four bags full of random flamingo decor. I couldn't resist the bright pink birds, so we planned a party and asked our friends to come over in, of course, pink. They went above and beyond as you can tell; it was the cutest bunch of flamingos ever. Excuse me, I mean flock of flamingos. You know what they say: birds of a feather play together. Notice I didn't say "share" together, because my son was not having it that day. Definitely had his feathers ruffled.
If you watch Southern Charm on Bravo, you saw the flamingo party that Patricia hosted at her home. I promise I didn't copy Patricia, though I wish I would have. Her party was much more fabulous.
We served mostly fruit and sent our guests home with white chocolate covered marshmallows (with pink sprinkles). Pink lemonade was the drink of choice and we found pink pudding cups (strawberry banana flavor) at HEB that were great for the kids. I love a good themed party and any excuse to plaster pink everywhere. Minus Bear's moodiness and an unfortunate photo booth mishap, I think everyone had a fun time. Thank you to all our sweet friends who came and played!
Zach's family was here visiting this weekend and we saw Mama Mia at Galveston's original Opera House yesterday; it was absolutely amazing. I had only seen, and loved, the movie with Meryl Streep and the musical was even better. I'll be singing "Dancing Queen" for the next three weeks straight, no doubt. Zach and Bear went also, and Z keeps singing "Take a Chance on Me" which is cracking me up. He has a great stage voice and some killer moves, too. Pretty sure Bear thinks we're nuts...and he's only three. I dread the teenage years.
Hope you've had a fabulous weekend!

domain: hobby


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May 3, 2010 (Calcutta Tube): Deeepika Padukone, Lara Dutt, Jiah Khan, the three Bollywood actresses seen together in the Hindi movie Housefull. Will the trio be seen in more films? Producer Sajid Nadiawala talks about it.
‘Housefull’ has taken a huge opening all over and early indications are that at the least, the film would be tagged a HIT status. The film has benefited everyone, especially its leading ladies Deepika Padukone, Lara Dutta and Jiah Khan. While the actors – Akshay Kumar, Riteish Deshmukh and Arjun Rampal – already share a great personal and professional relationship with director Sajid Khan and producer Sajid Nadiadwala, the heroines can be expected to work in many more films with the makers in near future, considering the kind of mileage they earned due to ‘Housefull’ enjoying such a bumper pre-release and post-release promotion.
Due to this very reason, one can’t help but ask Nadiadwala if there is a ‘once-much-in-vogue’ three film deal that he has got into with the Deepika Padukone, Lara Dutta and Jiah Khan?
“I hate the deals thing. Period”, comes a quick reply from Nadiadwala, “Suppose I sign a person into a deal but later one of us doesn’t like each other, we would still have to work together. For corporate houses, something this may work but sorry, this is not the way I operate.”
Reflecting on the way he operates, Sajid says, “I feel cinema is something which is made with a lot of love and passion and obviously backed by commerce. But then kuch bhi karne mein dil milna chahiye. We should have love for each other because only then can a film turn out to be success. I have rarely seen that when the process of making a film is bad, it still turns out to be good at the box office.”
Meanwhile, he is reuniting with Salman Khan after working in two back to back films with Akshay Kumar (‘Housefull’, ‘Kambakkth Ishq’). After ‘Mujhse Shaadi Karogi’ and ‘Jaan-E-Mann’ in recent times, Sajid and Salman would be starting ‘Kick’ soon. “Yes, now that ‘Housefull’ has released and ‘Anjaana Anjaani’ is more or less wrapped, it is going to be ‘Kick’ for me”, confirms Sajid.
Given the fact that ‘Kick’ is said to be starring Salman Khan in the lead, how big can one expect the film to be, especially due to the news making the rounds that it is going to be an out and out action flick?
“First of all let me clarify that ‘Kick’ is not an out and out action flick. Someone just carried out an article stating so though it is nowhere closer to the fact. Secondly, it is too early to talk about how huge would it be. We will make the announcements at the right time. All I can confirm is that we begin shooting in August/September”, signs off Sajid.
-Rudhir Burman / Sampurn Wire

domain: entertainment


Heat Alert upgraded to Extreme Heat Alert in Toronto, cooling centres open
Based on information from Environment Canada, Toronto’s Medical Officer of Health has upgraded the Heat Alert to an Extreme Heat Alert for today. The Extreme Heat Alert will be in effect until further notice.
During an Extreme Heat Alert, the public is encouraged to call or visit family, friends and neighbours, especially isolated adults and seniors who are at greater risk of suffering from heat-related illness, to make sure they are cool and drinking plenty of fluids. Other groups at risk include people with chronic illnesses, individuals with limited mobility or certain mental health illnesses, infants and young children, people on certain medications, and those who are homeless.
In addition to air-conditioned shopping malls, local


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Soy Sauce (Water, Soybeans, Wheat, Salt), Wine (contains Sulphur Dioxide), Sugar, Water, Spirit Vinegar, Salt, Spice Extracts, Onion Powder, Garlic Powder
Refrigerate after opening.
Preparation and Usage
Marinade 500g chicken breasts or 500g salmon steaks in 7 tablespoons (about 100ml) of Kikkoman Teriyaki Marinade & Sauce for 2 hours, then cook as usual.
For extra-tasty barbecued food, use Kikkoman Teriyaki Marinade & Sauce during cooking as a baste to ensure that the food remains moist and succulent.

domain: food


text:
High Praise: Cool for Cat S
Introducing Cat Stevens, no not that one....this Cat is a super talented photographer, artist and shamanic healer who, when not capturing the natural wonders of our beautiful world, can be found shooting some of the best musicians on the planet; our heroine PJ Harvey and her male counterpart Nick Cave for starters. Cat's first book 'Wrap your Troubles in Dreams' was a dreamy, visual contemplation of a journey through California, spent capturing the beauty and magic of her surroundings.
We've been lucky to experience Cat's magic at play as both artist and healer. We intitally met on a shamanic retreat; a meeting which led to us collaborating on photographs of talented songstress Qendressa sporting our latest collection and the portraits featured on our website. Cat is based in East London.
How do you set your day off on the right foot?
With gratitude and prayer.
3 things you are grateful for today?
All the love in my life
Today's phone call from a friend asking if I'd like the gigantic rose quartz she just found outside her home.
What is your life / work philosophy? Are they the same?
No separation. All is one. To live and work in the natural flow is important to me: to keep balanced and stay in equal exchange.
You have a real gift of capturing magic in the everyday. What’s your secret?
Trust and the magic will unfold..
You’ve photographed some pretty incredible people and places; what’s next on the horizon?
Another beautiful sunrise..
What sets your soul alight?
Reading a really good book, being out in the wild, the open road, love and life's synchronicity.
Will we be seeing a follow up to ‘Wrap your Troubles…’? What will it be called?
I'm in the editing process of something but not sure what yet :)
Best piece of advice you’ve been given?
From fullness we give.
Best piece of advice you can share?
When we listen, nature speaks.
What’s your idea of the perfect Shanti Sunday?
Feeling at peace in nature with the ones I love.
Favourite song to get your groove on?
Run Come Rally by Dadawa
Your wish for the world?
Deep healing for Pachamama and all her children.

domain: literature


Soft Comfort Eye Shade Cover for Travel Yoga Nap, Black, Concave Molded Night Sleep Mask, MZOO Sleep Eye Mask for Men Women, Block Out Light, 3D Contoured Cup Sleeping Mask & Blindfold#adMZOO #ad - Effectively blocking lights and allows your eyes freely blinking. Unique heat-bonded technology instead of glue, sturdy and durable, no easy to fall apart. Top quality fiber fabric never stain bed sheets or pillows.
Eye Blinder for Travel/Sleeping/Shift Work, Soft and Comfortable Night Eye Mask for Men Women, Mavogel Cotton Sleep Eye Mask, Updated Design Light Blocking Sleep Mask, Grey, Includes Travel Pouch#adMavogel #ad - Perfect light blockout anywhere, anytime - this sleep mask uses patented bending cartilage design, adjustable and durable, effectively blocking lights coming from the nose area. You can get sound sleep or nap everywhere! Eyes feel free- the soft cotton triangle wing design on this sleep mask greatly can stop the mask from moving and distracts your eyes and head from pressure, helping you wake up relaxed & refreshed.
100% handmade - every cutting and sewing of this sleep mask is finished by handmade. Tight, clean and smooth seams ensure minimum rubbing in every sleeping position without any pressure. 2019 new design - we listen to your feedback! After long-term research and data, we update every detail and make a better ergonomic sleeping mask design to fit every head size.
3. LKY DIGITAL#ad
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|Brand||LKY DIGITAL #ad|
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Enjoy a sound sleep - put on a lightweight silk eye sleep mask and enjoy your “sweet nap” whether Travel, Hotel, Train, Home, or Anywhere Where one is Bothered by Light.
And the adjustable band allows you to tighten the silk mask if required to remove light further, provide a comfortable sleep environment for you. Blindfold strap with thinner buckle, and it always stays in place. Eye covers for sleeping can be a special gift for your parents, husband, wife, elders, and friends.
|Manufacturer||shen zhen ping ping mao yi you xian gong si #ad|
5. ALASKA BEAR#ad
Super Smooth Eye Mask Black, Blindfold, Alaska Bear Natural Silk Sleep Mask#adALASKA BEAR #ad - Only super-soft, super-smooth and feather light pure silk offers the breathable, cool relaxation of the soothing masks found at the world's premier spas. Whether you're on the go, this mask lets everyone know you're taking time to recharge. Total blackout -- sleeping in absolute darkness increases the production of Melatonin, or at-home slumber, daytime napping, and paves the way to a more restful and blissful night's sleep.
Fully adjustable -- expand from 15. 8" to 27. 6" in circumference, men or kids. Colorfast and used non-toxic dyes, making it a best choice for anyone with sensitive eyes or skin conditions like eczema.
Gentle, easy-to-adjust headband won't snag hair. Ideal for dry-eye sufferers -- cool fibers of silk lets healthy oxygen flow while keeping dry air and allergenic particles out, and also prevents excess heat from being trapped, which may disturb sleep. Naturally hypoallergenic -- only organic mulberry silk touches your face and eyes.
|Brand||ALASKA BEAR #ad|
|Manufacturer||ALASKA BEAR #ad|
6. Jersey Slumber#ad
Blocks Light, Jersey Slumber 100% Silk Sleep Mask For A Full Night's Sleep | Comfortable & Super Soft Eye Mask With Adjustable Strap | Works With Every Nap Position | Ultimate Sleeping Aid / Blindfold#adJersey Slumber #ad - Get this sleep mask /eye mask today and you won’t regret your decision! This is a mask that people use while concentration and meditating. A mask that people use to cover their eyes while performing certain Yoga maneuvers. Not to mention that the mask is extremely lightweight yet fits perfectly on your face to ensure a wonderful night! Uninterrupted sleep with no pills or supplements: this eye mask has many great functions: 1 as a relaxation mask 2A mask to cover the eyes while applying ointments and lotions to it 3A eye soother and pillow, as the breathable, The Jersey Slumber sleep mask /EYE mask is ideal for insomnia, migraine headaches and dry-eye sufferers, natural fibers of hypoallergenic silk allow healthy oxygen in, while keeping dry air out.
Silk is naturally Breathable and Naturally Soothing To The Skin. Blink freely & sleep in any position: the jersey slumber sleep mask / eye mask is specially designed for rub-minimizing comfort. Increased rem sleep: naturally improve your mood, energy levels and cognitive function and get a full night’s sleep with this silk EYE mask that naturally blocks light for a faster, deeper sleep every single night. Sleep deeply anywhere, anytime: pull out this incredibly lightweight, hotel, comfortable sleep mask/ EYE mask anywhere - in a bed, on a long car ride, Home, deep, restful sleep.
|Brand||Jersey Slumber #ad|
|Manufacturer||Jersey Slumber #ad|
Blindfold for Travelling, Kimkoo Cotton Sleep Mask-Sleeping Mask Blocking Out Light Perfectly for Women and Men, Soft and Comfortable Night Eye Mask for Sleeping , with Pouch, 2 Pack,Black and Gray#adkimkoo #ad - Super soft and comfortable - this sleeping mask uses four layers of super breathable fabrics, flexible foam and a modal fabric. 100% handmade – comes with neat stitching, perfect detailing, an adjustable elastic strap that fits heads from 19 to 28 inches and a portable carrying bag.
Blocking light perfectly- this sleeping eye mask features a patented nose wing design. No pressure on the eyes - this sleeping mask is designed with soft cotton delta side wings, and effectively disperses the pressure on your eyes and head, which prevent any unwanted shifting of the mask, so that your eyes won’t feel any pressure while wearing it.
The bottom of the eye mask is filled with elasticated cotton, which can be adjusted at will, and thus is very effective at blocking any light coming in through the nose area. The side touching the skin is made from super soft modal fabric, including cotton, which is incredibly soft to the touch.
Cool Sports Fabric Eye Cover for Travel/Nap/Night Sleeping,Comfortable and Breathable … Mesh-Black, LEEKEN 3D Sleeping Eye Mask, 100% Lights Blockout Sleep Mask for Men Women#adleeken #ad - Hemming design around sleep maskhemming design, any machine washable, We updated Hemming process, never fall apart, the natural sleep masks always fell apart after washed, non-fading，Quick drying.
Fit all head size eye mask with a elastic strap and Velcro can be adjusted to fit all head sizes, also it won't tangle your hair. Extra large 3d contoured sleeping eye mask: the eye space is wider and deeper than the natural eye mask, won't rub against your eyelids, no pressure as on your eye balls, more suitable for high noses of American people.
A blindfold of complete blackout:the unique Nose Pad design of the sleep mask can block lights coming from the nose area effectively, creating total darkness for light sleeper.
Best Sleeping Mask Eye Mask Eye Cover for Travel, Fitglam Natural Silk Sleep Mask, Nap, Blindfold with Adjustable Strap for Men, Women, Meditation#adfitglam #ad - Helps improve sleep, alleviate puffy and swollen eyes. Better sleep: a sleep aid and eye relaxer, the fitglam sleep mask is made of 100% top quality 19mm Natural mulberry silk on BOTH sides. Suitable for men and women.
One size for all: gentle, easy-to-adjust headband won't tangle hair like masks that use velcro. Fits comfortably with ear plugs and even with a CPAP facial mask. Beautiful healthy eyes: ideal for dry eye sufferers, as the breathable, natural fibers of mulberry silk allow healthy oxygen in while keeping dry air out.
The super soft, which gives you total blackout, breathable and protein rich, super smooth mulberry silk is light weight, whether at home, in a hotel or on the plane. Wakeup totally refreshed: enjoy a comfortable, undisturbed sleep anytime and anywhere. You could hardly feel that you are wearing anything when you fall asleep.
Best Night Companion Eyeshade for Women Men Kid, Comfortable & Breathable Eye Mask for Sleeping Adjustable Blinder Blindfold Airplane with Travel Pouch, 100% Handmade Cotton Sleep Mask Blackout#adFRESHME #ad - Light weight &portable: our sleep mask, which is made of skin-friendly cotton, you can easily carry the sleep mask with you wherever at work, so you almost barely notice that they're on your head. It is flexible, foldable washable and can retrieve to its original after washing it.
It is a perfect gift for adults as well as children. Durable: our new design of the cotton sleep mask is produced with highly strict standards to guard every procedure. With the foldable design and a free carry bag, is lightweight and portable, on travel or at home.
Fully adjustable: this sleep mask can be adjusted in length to perfectly fit the various heads without tangling your hair or feeling tight. Perfect light blockout&breathable: the "nose wing” design of the sleep mask can effectively block lights coming from the nose area so you can get sound sleep or relax your eyes whenever or wherever.


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My card to share is this "Spooky" one:
First I used a Brayer to ink Basic Gray Archival ink onto the Woodland Textured Impressions Embossing Folder. I did not apply the ink evenly, I hoped to achieve a misty look to the background. It turned out darker in the middle and lighter toward the edges.
I wanted the trees to stay light, so I went back and used a Q-tip and cleaned up any smudges with Stampin' Mist Stamp Cleaner. Then I pressed it onto Very Vanilla paper in my Big Shot. I found that Whisper White was too bright for this card.
The following picture shows the paper and 2" circle "Spooky" from the coordinating Among the Branches stamp set. I adhered the Spooky with dimensionals.The spider web is so easy to stick on with the new fine tip glue pen.
Then I just stamped a black raven and a couple of sets of eyes in the forest. And one more look at the finished card:
Be sure and check out my blog this month every week for more Among the Branches examples! Here's a sneak peak of a Christmas version:
Thank you for joining me on the tour - see you next month!
And you are now ready to hop over to the next Blog on the Tour!
In case you get lost, here's the tour stops:
Arden Dougan<---That's me!
Here's my list of ingredients:
Built for Free Using: My Stampin Blog


text: Status update As far as NoA, yesterday I watched a movie with a lot of sexuality in it, though no nudity or sex scenes. Not sure I should have done that, in fact because of NoA I'm pretty sure I shouldn't have done that. Today I laid down for a while and at first I was thinking about constructive things but soon I was having sexual fantasies. I tried several times to stop, and I even FMed a bit. I think when I try to stop thinking about sex I think about sex more. I think I am afraid that if I stop thinking about sex I will lose my sexuality and sex drive, and I will lose all my efforts and progress at sexual purity and to end my sexual corruption. This is probably false, but I'm not sure, so I can't give up yet. I did have the idea of asking my brother to ask me why I wasn't married every few weeks and see if I can be motivated to get married that way. I also think that maybe the main reason I don't have a girlfriend or am not married is because I have low self-esteem and I don't think I'm worth much for a girl. And that's my overly honest share for today.

domain: sociology


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With over 20M streams of their 8th studio recording I'll Be Your Girl, The Decemberists release their acclaimed B-sides EP, Traveling On. The EP consists of 4 tracks, a sharp 21 minutes of songs that were recorded during the I'll Be Your Girl sessions but never quite found a home on the album, including a full band version of "Traveling On".
For over 17 years The Decemberists have reigned highly acclaimed, with more than 200M streams and 1.8M adjusted albums spanning worldwide.
• 10" Vinyl EP
• Limited time download card
1. Down On The Knuckle
2. I Will Not Say Your Name
1. Tripping Along (Full Band Version)
2. Midlist Author
3. Traveling On


The views, positions, and opinions expressed in the articles shared are those of the author and do not necessarily reflect the views, positions, and opinions of Trinity Academy. In addition, our linking to specific articles does not constitute our endorsement of an organization, blog, or website or its views, positions or opinions.
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Enjoy this first installment of the PAWS blog – Pertinent Articles Worth Sharing. The Trinity team found Emma Walker’s story one with which we can all resonate. Whether we are athletes, employees, students or anything in between, we’ve all felt like quitting. Let this encourage you to stay the course and spur others on to do the same.
Click here to read Emma Walker’s Tough Conversations, as shared on For Every Mom.


Announced this week, a patent application that Apple had previously applied for had been granted. The patent was for a new foldable gadget which options a unique hinge mechanism that will allow the flaps to shift, preventing the device’s display from creasing or getting damaged after folding.
The patent was published by the US Patent and Trademark Office and gives a description of the fresh hinge mechanism. As stated by to the Apple patent, the hinge is able of advertising separation between the two halves of the panel from the middle, allowing for the flap to converge after unfolded and separate when being folded inward.
Apple patented a special hinge design for a foldable product
The new hinge mechanism is being implemented to tackle a fundamental problem! that plagues smartphones with a foldable display, i.e creasing. Examples of this would be Samsung Galaxy Fold and Huawei Mate X. These smartphones are successful in implementing the screen but still suffer from the crease problem. However, the new hinge mechanism detailed by Apple seeks to prevent this altogether.
From the Shots, it can be observed that the hinge is not a centralized and singular mechanism. The photographs detail its functioning and movement that cojoins both halves of the display via a twin movable mechanism.
Foldable smartphones target a niche market of smartphone enthusiasts. As it stands right now, the handsets are not commercially viable for a broader audience and market. But, innovation and further more development could lead to a few special and inexpensive designs being adopted in the future. Apple appears to be to be looking into the design as nicely, considering this isn’t its initial foldable smartphone patent.


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By Jack Barnes
Getmybuzzup: First of all we want to say thank you for doing our interview!
Weirdeux: Thanks for having me!
Getmybuzzup: How did you decide to get into the music industry?
Weirdeux: Music has been a part of my life for as long as I can remember. I can’t really pinpoint when a “decision” was made, it’s just always kinda been there.
Getmybuzzup: Who is your greatest inspiration?
Weirdeux: My greatest inspiration is probably Miley Cyrus. She really doesn’t care what people think of her and I love that.
Getmybuzzup: Tell us a bit about your songs and how you become inspired to write?
Weirdeux: I wrote my first full song “Cancer” when I was 15. It’s a really angsty song written on my Ukelele, kinda inspired by Nevershoutnever.
Getmybuzzup: How has your musical journey been so far? And what have you learned?
Weirdeux: I’d rather write and perform the truth even if it’s ugly and no one likes it than write a song that I can’t feel in my heart.
Getmybuzzup: Who has helped you most in your journey?
Weirdeux: That’s a great question. It’s pretty hard to answer that. I have a really great support system, including teachers, friends, family.
Getmybuzzup: Where do you see yourself in the next 5 years?
Weirdeux: Within the next 5 years, I definitely wanna go on tour. That’s my goal.
Getmybuzzup: What do you do in your spare time when not performing?
Weirdeux: I have two cats. I’m a crazy cat lady. Aside from that, I volunteer in a non profit that I’m heavily involved in.
Getmybuzzup: What is the next move for Weirdeux?
Weirdeux: In July, I’ll be traveling to Denver to produce some new stuff. Hoping to do some shows while I’m out there.
Getmybuzzup: What is your message to your fans?
Weirdeux: Be true to yourself. The only thing that matters is that you like you.
Getmybuzzup: Anything you would like to share about your newest songs?
Weirdeux: My newest batch of songs are really, really special to me. I was in a heavily emotionally abusive relationship for two years, and most of the new stuff is inspired by how painful it was for that to end, and how painful it is to look back on it now and realize that it wasn’t the happy relationship that I thought it was.
WRITE REBEL REPEAT
19 years old…weirdeux has always been musically gifted. As a child, she was singing, performing, and playing guitar. Throughout the course of her young musical career, weirdeux has captured the interest of power players in the industry with her witty, irreverent lyrics and a world maturity far beyond her years. Her unique voice coupled with a badass attitude, individual style and musical delivery have made her a sought after one woman show from NYC to LA and beyond. Having recently signed on with BSquaredMGMT, she is now setting out to re-create her enigmatic live show in the studio with producer Ricky Brewer as she begins work on her first album. Embarking on her first US tour in the Fall, 2018 is the year of weirdeux. Buckle Up.
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Our Selected Hotel in Innichen
Hotel Innichen/San Candido South Tyrol/Hotel Post Alpina San Candido
The Hotel Post Alpina is located in Innichen/San Candido. The friendly holiday-destination Innichen, near by the nature park of the Sextner Dolomites in South Tyrol, is a village with 3.136 inhabitants and it is especially for families a well known vacation resort. Surrounded from high ranges of mountains, deep lakes and alpine fauna, Innichen offers for kids and adults a great variety of possibilities of recreational activities. The locality has a long history and many of the old lanes, historical houses, the countless artistic monuments, roman constructions and antique buildings are an evidence of past civilizations. Besides that it is said that emperor Franz Joseph I. of Austria came many times to Innichen because of its pristine springs, today called 'Kaiserwasser' (the water of the imperator).
But this place does not only offer past history, but even a great variety of free time facilities admit the impressive peaks of the Dolomites. Plenty of winter sport activities can be done during the cold months when the landscapes are covered with snow. In the ski arena Haunold adventuresome excursions of backcountry skiers, snowboard-action and typical ski-runs with the whole family are here possible. But even toboggan, cross-country skiing and peaceful walks are loved activities that can be practiced in the area of the Hochpustertal. In the summer months the untouched nature of the nature resort invites its guests to do lots of outdoor activities like mountain biking or hiking.

domain: geography


Texas House Bill 1736
Effective September 1, 2016, House Bill (HB) 1736 sets the current energy code for the State of Texas to be the 2015 International Energy Efficiency Code (IEEC) with energy provisions of the 2015 International Residential Code (IRC) for single family construction. In subsequent legislation, the State Energy Conservation Office (SECO) was given rule making authority by the legislature to adopt subsequent editions of the energy code based on stringency findings by the Energy Systems Laboratory (ESL) of Texas A&M University. SECO’s rule making process is anticipated to adopt the 2015 IECC for all other construction with the effective date of November 1, 2016.
Clarification to Sign Regulations Ordinance
After finding conflicts with the enforcement of Sections 82-5.b.4.e.1.c and 82-5b.4.f.1.d of Chapter 82 Sign Regulations in the Haltom City Code of Ordinances, the Department of Planning and Community Development will not enforce a maximum of one attached sign per nonresidential lot of record.
Per Section 82-7 Prohibitions of Chapter 82 Sign Regulations in the Haltom City Code of Ordinances, roof signs are prohibited and Section 82-2 Definitions defines a roof sign as any sign erected, constructed, or maintained on or above the roof of a building. The Department of Planning and Community Development does not find this regulation to prohibit a sign attached to a mansard fascia.
The Department of Planning and Community Development finds Section 82-8.b.1 of the Sign Regulations to state interior signs seen behind window panes are subject to provisions of Section 82-3, 82-7, and 82-10; while signs on or covering the exterior of a window pane are not expressly permitted in the City.
Foundation Repair Requires Building Permit
“Effective July 17, 2014, the City of Haltom City requires a building permit for foundation repair. The permit fee shall be based on the value of work disclosed with the permit application via a bid, contract, or estimate. An original engineer’s sealed letter of required repairs must be submitted with the permit application and must adequately describe the location of piers and footings. Prior to calling for final inspection, an original engineer’s final report shall be submitted to the City that verifies repairs were performed to engineered specifications.”


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Reduce workload with virtual fencing | Steve Crowhurst
The winners of this year's Agri Magic Smart Farming award at the South Island Agricultural Fieldays was virtual fencing technology,Halter. Steve Crowhurst, business development manager caught up with Sarah to explain how much time it is saving dairy farmers in shifting fences.
“Within two weeks of having the system on the farm essentially all your fencing that you have to put up & temporary fencing has gone and all the shifting to and from the shed in between breaks is gone. So it reduces workload depending on the season between one and four hours a day and that's significant for a lot of farmers. “
Subscribe to Sarah's Country on podcast and YouTube to keep up with the latest on Farming Food & Fashion.


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'Oranges' has appeal for Bregman, scribes
EmptyProducer Anthony Bregman is teaming with comic writers Jay Reiss and Ian Helfer for the comedic drama "Oranges."
The project, which several directors are circling, focuses on a man who has a romantic relationship with the daughter of a family friend, turning the lives of the man and the family upside down. Bregman ("Eternal Sunshine of the Spotless Mind") will produce via his A Likely Story banner.
One person familiar with the project called it " 'American Beauty' if 'American Beauty' had more comedy."
Financing is being finalized, with A Likely Story in negotiations with Media Rights Capital as well as other entities to fund the film.
The CAA-repped Reiss and the Gersh-repped Helfer have several comic projects in development. Reiss is on tap to write "Man-Witch" for Todd Phillips and Warner Bros., while Helfer has worked with "Wet Hot American Summer" director David Wain and wrote for John Hamburg's television pilot "Welcome to the Captain."
A Likely Story most recently produced "Synecdoche, New York," Charlie Kaufman's acclaimed directorial debut that opens Friday. (partialdiff)


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TOPIC: CBC MONTREAL INVESTIGATES
Hope for student refunds dries up after lawsuit attempt dismissed
Since January 2022, hundreds of international students have fought to get their tuition money back after M College, CDE College and CCSQ College closed and filed for creditor protection. Eighteen months later, the avenues for compensation have all but dried up.
Ukrainian Canadians fight to save a forgotten cemetery in Quebec's Abitibi region
The Spirit Lake internment camp operated between 1915-17. Some of the detainees were buried in a cemetery near the town of Amos, in Quebec's Abitibi region. For years, Ukrainian Canadians have fought to have the cemetery restored.
Flood repair fiasco leaves Quebec couple on the hook to pay back $90K in financial aid
A couple in Deux-Montagnes, Que., hired a contractor to repair their home after a flood, but the repairs were never done. Now, the province is asking the couple to reimburse $90,000.
Patients fear their health will decline while they wait for Quebec family doctor
In Quebec, more than 857,000 patients who are registered on the government's website for a family doctor, are still waiting to be matched. In some regions, depending on demand, the wait can drag on for years. So what can be done to fix it?
ICU staff battle patients' regret, denial and mistrust during Quebec's 4th wave
Since the fourth wave of COVID-19 began, ICU staff at Laval's Cité-de-la-Santé Hospital say they are dealing with more hostile patients. Some minimize how sick they are and are skeptical of the care and treatments being offered.
Lawyer appointed to investigate abuse complaints at Montreal archdiocese
Montreal lawyer Marie Christine Kirouack has been named the church's first ombudsperson. The post was one of the key recommendations in a report tabled last November on improving accountability in the diocese.
Report blames top Montreal Church officials for ignoring complaints about priest who preyed on young boys
Brian Boucher was able to sexually abuse two young boys and terrorize several others over a 20-year span because top officials in the Catholic Church ignored complaints about his behaviour and, in some cases, tried to keep serious allegations secret, according to a damning report.
Pandemic has lengthened wait times for surgery in Quebec, leaving hundreds of patients in limbo
The pandemic put many surgeries on hold last spring and Quebec hospitals are having a difficult time whittling down waiting lists as more patients get added, and surgical nurses leave the job.
Peace bonds alone aren't enough to protect conjugal violence victims, shelter directors say
A peace bond is supposed to protect conjugal violence victims from their abusive partner, but some shelter directors say too often, danger signs are ignored — by both the police and the courts.
Quebec couple pleads for IVF funding to help them conceive a baby without Huntington's disease
Anna Lambert and Joey Lapointe know any child they conceive has a 50-50 chance of inheriting Huntington's, a debilitating and fatal disease. IVF and genetic testing of the embryo before it's implanted would prevent that, but the government won't pay for it.
Montreal woman alleges negligence at group home put her autistic sister in danger
Electra Dalamagas said she's appalled the CIUSSS West-Central Montreal didn't cancel the contract of the newly hired manager who runs the group home where her adult sister has lived for many years, after Dalamagas flagged several instances of alleged negligence.
Years before Brian Boucher became a priest, families warned of his troubling behaviour with boys
Despite a letter from concerned parents sent to the Montreal Roman Catholic archdiocese in the mid-1980s, Brian Boucher was accepted as a candidate for the priesthood. He's now serving eight years in prison for sexually abusing two boys.
'I felt constantly attacked': Bullied Montreal teen recounts the toll high school years took on her
More than half of Quebec youth say they've been on the receiving end of hateful comments and name-calling in high school, according to the results of a CBC poll of young Canadians asking about physical and sexual violence in school.
Impostor used fake ID to steal money from Quebec woman's line of credit
A Longueuil, Que., woman is questioning her bank's security measures after a woman posing as her reported her debit card lost, then withdrew $2,500 from her line of credit.
Forgotten safety deposit box of late husband claimed by widow after 18 years
Hundreds of safety deposit boxes go unclaimed in Quebec every year, likely forgotten by their owners. Revenu Québec, the provincial revenue ministry, keeps an online register of unclaimed assets, but many people don't know it exists.
Months-long wait for death certificates taking emotional, financial toll on Quebec families
The delay to get death certificates in Quebec has more than tripled since last summer, making it difficult for people to settle the estates of their loved ones. The minister in charge of the civil status registry hopes processing times will be back to normal by the end of the year.
Montreal sexual abuse victim says Catholic clergy interrogated him, looking for inconsistencies in his story
A victim of a sexually abusive Montreal priest says he's still shaken by what happened after he took his complaint to police in 2016: invited to a meeting at the same building where he'd been molested as a child, nine clergymen grilled him for hours, some trying to poke holes in his story.
Repeat offender tenant racks up nearly $17K in unpaid rent
Over the past three years, Nigel Calder, a Montreal tenant, has been evicted four times for not paying his rent. Some landlords didn't do a background check — a mistake they quickly came to regret.
Students, staff left in the dark after Concordia's investigation of prof's behaviour
University investigators were told Jim Pfaus, an international expert in the psychology of sexual behaviour, pursued, dated or had sexual relationships with students in his classes or under his supervision. Pfaus retired at the end of 2018.
McGill dentistry prof found guilty of sexual misconduct by Quebec Order of Dentists
Dr. Nareg Apelian faces a possible five-year suspension from practising dentistry and is no longer assistant professor of dentistry at McGill University, after the order's disciplinary council ruled he touched a patient inappropriately at his off-campus clinic in 2016.
Montreal woman stunned to find her Walmart gift cards drained
Gift cards are convenient and popular purchases, and last holiday season, Quebecers bought nearly $250 million of them. But as Samantha Vandzura discovered, scammers like them too.
What Montreal police can learn from other Canadian police forces about cracking cold cases
The SPVM is not divulging much about how its new cold case unit will work, so CBC looked at what police elsewhere in Canada are doing to catch killers whose trails have gone cold.
Montrealer loses thousands in inheritance to bogus online investment firm
Jérôme Huard entrusted thousands of dollars to an online investment firm that turned out to be a fake company called HQ Broker, which was blacklisted last summer by Quebec's security regulator. Canadians have lost over $14 million since 2015 to such scams.
Jessica Neilson's parents feel abandoned by Montreal police, 10 years after her death
Jessica Neilson was found dead nearly a decade ago in St-Henri. Her parents say Montreal police haven't done enough to solve the murder.
Charity watchdog says Habs children's foundation lacks transparency
The Montreal Canadiens Children's Foundation is one of the largest charities in Canada. In 2016-2017, it raised $4.7 million. So where does that money go?


Two giants of traditional finance, JPMorgan and Visa, are linking up their global private blockchains – Liink and B2B Connect – to simplify payments between nations.
As Forbes reported, JPMorgan’s Liink is a network specifically designed for cross-border transfers and is offered under the bank’s blockchain and payments initiative, Onyx. Onyx provides a platform for institutions to share financial information and validate transactions.
Visa’s B2B Connect is a similar network to Liink that was built for institutional grade use and has now been integrated with Onyx’s Confirm.
Confirm is an account-information validation product, and ensures that transacting parties provide genuine identities and correct information. Onyx touts that Confirm is capable of verifying more than 2 billion bank accounts from 3,500 financial institutions.
Finextra reported on Oct. 11 that JPMorgan is looking to rope in a host of founding member banks across the globe as it works to launch Confirm in 10 countries by the end of this year. Moving forward, the bank is said to be eying a rollout in 30 countries next year.
Confirm allows institutions to safely validate account information before sending a payment, ensuring fewer payment returns due to missing or incorrect information, and mitigating fraudulent activity by pre-validating account information so participants know beforehand if the instructed beneficiary matches the owner of the account they are paying.
JPMorgan launched Confirm in pilot mode last year and has just signed Deutsche Bank as a founding member for the product in EMEA. The US bank is looking to recruit founding member banks across Apac, Latam, and NAMR to grow its coverage to span over 35000 banks and more than two billion accounts.
Alex Littleton, global head of Confirm, says: “Confirm’s growth is heavily influenced by network effects. Therefore, naming Deutsche Bank as a founding member, while also establishing interconnectivity to Visa B2B’s blockchain, will accelerate our adoption on a global scale.”


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- Subscribe NowLimited Time Offer
AirTran signs deal with Expedia
- DBJ Staff
AirTran Airways has signed with online travel company Expedia Inc. to continue booking fares with the travel website.
AirTran, a unit of Orlando-based AirTran Holdings, has had an agreement with Bellevue, Wash.-based Expedia Inc. since 2006.
AirTran is the second-busiest carrier flying out of the Dayton International Airport. Delta Airlines Inc. is the busiest. Other carriers at the airport include US Airways Group; AMR Corp.’s American Airlines unit; and United Continental Holdings Inc., the parent company of United and Continental. AirTran plans to merge with Southwest Airlines.
For more information on the agreement, click here.
E-mail email@example.com. Call (937) 528-4400. Twitter.com/DBJNews
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Account Manager Prosource | Cincinnati, OH
US – Director of Sales (Coated Label Products) Green Bay Packaging Inc. | Green Bay, WI
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After seeing the title of this post, you’re probably singing “is love, sweet love” in your head. Or, maybe you’re not keeping it inside and you’re belting out the 1965 Jackie DeShannon hit to either the delight or severe dismay of those around you. Perhaps you’re by yourself, in which case I say go […]
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I believe that creating stories is a passion I was born with and I've loved to write from the time I first learned to read. The written word provides an unbelievable opportunity to make the world a better place and I take that opportunity very seriously. My hope is that you will see themes of redemption and possibility in the books that I write and I pray that they will inspire you to live a better life.


text:
Skip to main content
BSU offers personal training workshop
Ullah to head next year’s BSU student senate
Blood screening event to benefit Paul Bunyan playground
CITY: Stormwater system public hearing set for council meeting
SPECIAL ELECTION: Ward 4 election on Tuesday
A look at the 11 players the Vikings selected in the 2017 draft
Penguins clobber Capitals to take 2-0 series lead
BASEBALL: BSU completes sweep of SMSU
SOFTBALL: BSU drops pair to Sioux Falls
BASEBALL: BHS wins two in comeback fashion
Doris Minnie Clyde
Elizabeth "Beth" Haugstad
LIBRARY CORNER: May heats up with events at Library
JOHN EGGERS COLUMN: Look at the brighter side of life
VIVIAN DELGADO COLUMN: We must open our minds to diverse teachings
JOHN EGGERS COLUMN: John's No. 1 List for Bemidji
MASTER GARDENERS COLUMN: What is that weed?
Minnesota offers filmmakers varied landscapes and cultural activity
Khloe Kardashian sued after sharing photo of herself on Instagram
ESPN layoffs: A list of which employees have been fired
'Expo'-sure to the arts: Group to host first-ever Arts Expo on Saturday
Disney announces official release date for 'Star Wars: Episode IX'
BLANE KLEMEK COLUMN: Robins are always a delight of spring
PAUL NELSON COLUMN: Snow won't impact progress of most fish spawning
MASTER GARDENER COLUMN: Growing beans from seed to harvest
Up a tree!
PAUL NELSON COLUMN: Warm-up helps spawn, walleyes should be ready for opener
Torry's Van Benefit
Don (Pail) Hill
LETTER TO THE EDITOR: Are you kidding me?
Phillips: Kindness fills the memory of flood survivor
Quam: My promotion coincided with the death of my 16-year-old nephew
LETTER TO THE EDITOR: A leader or a partisan pawn?
Swift: Taxes must be particularly taxing
October 26, 2016
1 dead, 2 injured in Minnesota house fire
VIRGINIA, Minn. — One person died and two others were treated for burns from an early morning house fire in Virginia. The injured parties were taken to Essentia Health-Virginia Clinic, the Virginia Fire Department said in a news release. The identities of the deceased and victims...
October 26, 2016 - 10:31am
October 14, 2016
Body found in Duluth believed to be missing man
DULUTH, Minn. -- The Duluth Police Department said Friday that human remains found on Park Point Monday afternoon are believed to be Roger Wayne Swanson, a 53-year-old Duluth man missing since August.Police said a passerby discovered the remains in the 4800 block of Minnesota Avenue...
October 14, 2016 - 12:31pm
October 3, 2016
Body found on Iron Range highway
A 24-year-old Aurora man was found dead in the middle of a highway Sunday morning, according to the St. Louis County Sheriff's Office. Sheriff's deputies and Gilbert police responded to the call south of Aurora at about 4 a.m. and found Scott F. Christensen in the road at 3600 County...
October 3, 2016 - 4:37pm
Pedestrians urged to be careful as deadly accident climb in fall
ST. PAUL -- Fall is the deadliest time for Minnesota pedestrians.And the 2016 pedestrian fatality count of 37 already is pressing the 41 total for all of 2015. "With more hours of darkness in the fall, pedestrians are more difficult to see," said Jay Hietpas, Minnesota Department...
October 3, 2016 - 4:13pm
September 21, 2016
Lake Park man ID’d in fatal crash
DETROIT LAKES, Minn.—The Becker County Sheriff's Office has released the identity of a Lake Park man who died following a two-vehicle crash Tuesday morning, Sept. 20, in Becker County.James Nesius, 71, was the driver of a pickup that was traveling on Becker County Highway 2 about...
September 21, 2016 - 1:02pm
September 16, 2016
Waubun man dies after pickup crashes off bridge
LAKE PARK, MInn.—A Waubun man died after the pickup he was driving drove off a bridge in Lake Park and crashed Thursday night, Sept. 15.According to a report released by Becker County Sheriff Todd Glander: Edwin Stanhope, 48, was driving a pickup northbound on Second Street in Lake...
September 16, 2016 - 2:51pm
Body found in restaurant parking lot
OTTERTAIL, Minn. -- An unattended body was found overnight on Sept. 16 at the Hoot N Holler parking lot in Ottertail, Minn.Staff at the Hoot-N-Holler confirmed a deceased man was found in the parking lot of the restaurant. Further information about the incident is not yet available,...
September 16, 2016 - 2:48pm
July 25, 2016
UPDATED: 2 dead, 4 injured in Thief River Falls crash Saturday
THIEF RIVER FALLS, Minn. - Two people are dead and others injured after a two-vehicle crash that involved six people on Saturday, July 23, in Pennington County. Michael Buckley, 33, of Fargo, and Amber Danzeisen, 25, of West Fargo, were killed when the 2000 Toyota Camry Buckley was...
July 25, 2016 - 9:23am
July 4, 2016
Milaca couple killed in motorcycle crash
NORTH BRANCH, Minn -- A husband and wife from Milaca were both killed in a crash on Highway 95 in Chisago County when the motorcycle they were riding crossed the centerline. Both Collin Orth, 35, and Sara Orth, 34, died in the crash aftermath, the Minnesota State Patrol reported....
July 4, 2016 - 12:42pm
June 30, 2016
UPDATE: Charges: Itasca County homicide victim was beheaded, stabbed
HIBBING, Minn. -- A sexual assault allegation led to the beheading of a 20-year-old Hibbing man last week in rural Itasca County, according to...
June 30, 2016 - 9:20am
June 29, 2016
Details emerge from scene of mobile home fire
BEMIDJI—A person found dead at the scene of a fire—where police say a 5-year-old girl was also kidnapped—was discovered positioned...
June 29, 2016 - 5:18pm
June 28, 2016
Man found drowned in Itasca County lake
ITASCA COUNTY—A Brooklyn Park, Minn., man was found drowned in an Itasca County lake Tuesday morning. Michael Angelo Olynick, 58, was discovered in Cutfoot Sioux Lake just north of Battle Point at about 9:20 a.m., after the Itasca County Sheriff's Office received a report of...
June 28, 2016 - 4:11pm
June 18, 2016
Victim of lawn mower rollover identified
ATWATER, Minn. -- A 79-year-old Atwater man died just before noon Thursday after his riding lawn mower tipped over in a ditch, pinning him underneath it. Law enforcement identified him as George Frederick Klose Jr., and said he lived near the accident scene just west of Atwater in...
June 18, 2016 - 3:40pm
June 14, 2016
St. Cloud State president killed in car accident
ST. CLOUD, Minn. -- The president of St. Cloud State University was killed in rollover accident late Monday afternoon. Earl H. Potter III, 69, died while traveling to the Twin Cities for a meeting with the Foundation Board Chair, according to a statement on the university’s website....
June 14, 2016 - 10:07am
Body of Wayzata teen recovered from Minnesota river
SCHROEDER, Minn. -- Search parties on Monday recovered the body of an 18-year-old man who drowned over the weekend at Temperance River State Park, the Cook County Sheriff’s Office reported. The body of Alec Paul Bertil Lawrenz of Wayzata was recovered from the Temperance River early...
June 14, 2016 - 9:11am


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A shipwreck is defined as a sunken or wrecked ship. There are an estimated three million shipwrecks in the world, with about three hundred thousand of them located in the United States. The rest are scattered across the globe in every ocean. Many of these shipwrecks are discoverable and some may even contain lost treasures. This guide will provide amateur shipwreck hunters with the necessary tools to get started in their search for shipwrecks. It covers topics such as where to look for ships, what equipment is needed, and how to get started in the search. With this guide, anyone can start their own shipwreck hunt and potentially discover their own lost treasure.
1. Introduction: why shipwrecks are interesting and what can be learned from them 2. A brief history of shipwrecks in the US 3. The process of searching for shipwrecks 4. The challenges of shipwreck search and recovery 5. The most famous shipwrecks in the US
1. Introduction: why shipwrecks are interesting and what can be learned from them
Shipwrecks offer a tantalizing glimpse into the past. They are often interesting for both what they can tell us about the ship and the people who were onboard, and for the mystery that often surrounds them. What can be learned from a shipwreck?
In short, a great deal. Shipwrecks can provide information about everything from the technology of the time to the social customs of the people who were onboard. There are several reasons why shipwrecks are particularly interesting to archaeologists and historians. First, they are time capsules. A shipwreck is like a snapshot of the past, providing information about the technology, economy, and social customs of the time. Second, shipwrecks often have a story to tell.
They can provide insights into the lives of the people who were onboard, and the events that led to the ship’s demise. Third, shipwrecks can be mysterious. Many shipwrecks remain unsolved, and their stories continue to captivate the imagination. shipwrecks offer a unique opportunity to learn about the past. They can provide information about the technology, economy, and social customs of the time, as well as the lives of the people who were onboard. Shipwrecks can also be mysterious, and many remain unsolved.
2. A brief history of shipwrecks in the US
The United States is no stranger to shipwrecks. In fact, the country’s history is intertwined with maritime disasters. Some of the most famous shipwrecks in US Vessel Search history include the RMS Titanic, the SS Edmund Fitzgerald, and the USS Arizona. The Titanic is perhaps the most famous shipwreck in history. The luxury liner hit an iceberg and sank in the early morning hours of April 15, 1912. Of the 2,224 passengers and crew on board, only 705 survived. The tragedy shocked the world and led to changes in maritime safety.
The SS Edmund Fitzgerald was a freighter that sank in Lake Superior on November 10, 1975. The ship was carrying 26,000 tons of iron ore when it encountered a severe storm. Waves as high as 35 feet (10.7 meters) battered the ship, and it eventually sank to the bottom of the lake. All 29 crew members were killed. The USS Arizona was a battleship that was sunk during the Japanese attack on Pearl Harbor on December 7, 1941. The ship was hit by multiple bombs, and 1,177 crew members were killed. The ship still lies at the bottom of the harbor, and it is now a memorial to those who died during the attack.
3. The process of searching for shipwrecks
Assuming that you would like 500 words discussing the process of searching for shipwrecks: The process of searching for shipwrecks is both an art and a science. It require a great deal of research in order to narrow down the search area, as well as an understanding of the oceanography and topography of the area. Once a potential search area has been identified, a systematic search can be conducted using sonar, remote sensing, and other search technologies.
The first step in searching for shipwrecks is to identify a potential search area. This can be done by studying historical records, looking for areas where ships are known to have sunk, and analyzing maritime traffic patterns. Once a potential search area has been identified, researchers will use sonar and other search technologies to conduct a systematic search of the area. Sonar is a powerful search tool that uses sound waves to create a map of the seafloor. By analyzing the sonar data, researchers can look for features that may indicate the presence of a shipwreck. Remote sensing can also be used to search for shipwrecks. This technology uses sensors to look for changes in the water column that may be caused by a shipwreck. Once a potential shipwreck has been identified, researchers will use a variety of methods to confirm its existence.
This may include sending divers to investigate the site, conducting a more detailed sonar survey, or taking samples of the seafloor sediments. Once a shipwreck has been confirmed, researchers can begin the process of mapping and excavating the site. The process of searching for shipwrecks is both an art and a science. It requires a great deal of research in order to narrow down the search area, as well as an understanding of the oceanography and topography of the area. Once a potential search area has been identified, a systematic search can be conducted using sonar, remote sensing, and other search technologies.
4. The challenges of shipwreck search and recovery
The search for shipwrecks is a complex and challenging endeavor. There are many factors to consider when trying to locate a shipwreck, and the process can be very time consuming. Additionally, the recovery of a shipwreck can be a difficult and dangerous task. There are many challenges that must be faced when searching for a shipwreck.
The first challenge is finding the shipwreck. This can be a difficult task, as there are many shipwrecks that have not been found. There are several ways to search for a shipwreck, such as using sonar, searching through archival records, or searching through shipwreck databases. However, each of these methods has its own set of challenges. Once a shipwreck has been located, the next challenge is to determine if it is feasible to recover it. This is often a difficult task, as many shipwrecks are located in deep water or in inaccessible areas. If a shipwreck is located in deep water, it may be necessary to use special equipment to reach it. Additionally, if a shipwreck is located in an inaccessible area, it may be necessary to obtain permission from the landowner before beginning the recovery process.
The recovery of a shipwreck can be a dangerous and difficult task. Many shipwrecks are located in hazardous areas, such as inside shipwrecks. It is important to be aware of the risks involved in shipwreck recovery before beginning the process. Additionally, the process of shipwreck recovery can be very time consuming and expensive. Despite the challenges involved in shipwreck search and recovery, it is important to remember that many shipwrecks contain valuable artifacts that can provide insight into the history of a particular ship or area. Additionally, shipwrecks can be interesting and beautiful objects in their own right. For these reasons, shipwreck search and recovery is a worthwhile endeavor.
5. The most famous shipwrecks in the US
There have been over three hundred thousand shipwrecks in the United States since the country’s inception, and while many of these have been forgotten, there are some that have become legendary. Here are five of the most famous shipwrecks in the United States: The Titanic is perhaps the most famous shipwreck of all time. The “unsinkable” ship hit an iceberg on its maiden voyage in 1912 and sunk, killing over 1,500 people.
The Titanic has been the subject of countless books, movies, and even a Broadway musical, and its wreck site was finally located and explored in 1985. The Lusitania was a British ocean liner that was sunk by a German U-boat during World War I. The sinking of the Lusitania resulted in the death of over 1,200 people, including 128 Americans. The Lusitania remains one of the deadliest maritime disasters in history, and its sinking helped to turn public opinion against the Germans in the United States. The Edmund Fitzgerald was an American cargo ship that sank in Lake Superior in 1975.
The ship was carrying 26,116 tons of iron ore when it encountered a storm and sank, killing all 29 crew members onboard. The Edmund Fitzgerald is the largest ship ever to have been lost in the Great Lakes, and its wreck has never been found. The Central America was a sidewheel steamer that sunk in a hurricane off the coast of the Carolinas in 1857. The ship was carrying over 500 people and $2 million in gold when it went down, and only 150 people survived. The Central America was lost for over 130 years before its wreck was located in 1988.
The ship’s cargo of gold was finally recovered in 2014. The Andrea Doria was an Italian ocean liner that collided with another ship in 1956 and sunk. The Andrea Doria was one of the largest and most luxurious ships of its time, and the collision resulted in the death of 46 people. The Andrea Doria is considered to be one of the greatest maritime disasters of the 20th century, and its wreck site is now a popular destination for scuba divers.
This comprehensive guide provides would-be shipwreck hunters with everything they need to know about searching for shipwrecks in the United States. It covers everything from the best places to look, to the equipment and skills needed, to the dangers and challenges involved. By carefully following the advice in this guide, shipwreck hunters can increase their chances of success, and perhaps even find the shipwreck of their dreams.

domain: history


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Information about Porto Seguro
Porto Seguro is a coastal city in the state of Bahia, with its generous vegetation and beautiful beaches. This city has no less than 85 km of beaches with transparent waters and white sands. Its privileged climate attracts travelers from all over.
The municipality was founded in 1534 and officially declared the point of arrival of the Portuguese in Brazil. It currently has about 140,000 inhabitants and is located almost entirely by historical heritage, and the construction of tall buildings (with more than three floors) is not allowed.


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[Sketchbook containing pencil and ink drawings by Sir John Leslie, (1822-1916)]
|Main Creator:||Leslie, John, Sir, 1822-1916 artist|
Sketchbook bound in wine leather cover with meuble boards, with pocket inside front cover. Label on verso of front cover with words "Published by T.J. Smith's Indelible Metallic Memorandum Book". Smaller label on verso of front cover bearing the sign of "Hallifax & Co., Late Bowen & Sanford, 315 Oxford Street". Label on verso of back cover bearing the words "Smiths' Pocket Almanac 1853". Contains 103 pencil sketches mainly of children, stag hunting, fishermen, rural scenes, landscapes. Some executed in Scotland, Dover (England) and Ireland.
|Format:||PRINTS & DRAWINGS|
|Published / Created:||
[between ca. 1853 and ca. 1858].
Physical description: 1 album (137 leaves) : pencil & ink ; 10.8 x 18 cm. or smaller.
Attributed to Sir John Leslie, 1st Baronet of Glaslough, County Monaghan, Ireland, (1822-1916).
|Call Number||View in||Collection|
|PD 4182 TX||
|Prints & Drawings|
Reproduction rights owned by National Library of Ireland.


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Length: 105-129 cm, Width: 3.4 cm
Smooth leather with crocodile embossing
Carabiner on both ends
Subtle embossed logo
This striking shoulder strap brings variety to everyday bags. Crafted from robust smooth leather, it can be attached and changed easily with two carabiners. Elaborate, all-over crocodile embossing transforms this piece into an eye-catching detail on any handbag.
Material note: Waxy crocodile leather is dyed with natural oils and waxes. This can lead to a natural loss of colour and create a vibrant patina. If the colour of the material fades, use our bamboo lotion to restore the outer surface as much as possible.
100% cowhide leather


01whole.pdf (26.15 MB)
Investigation of tourmaline, apatite and monazite from a low-pressure high-temperature regional aureole, Mount Stafford, Northen Territory, Australia
thesisposted on 2022-03-28, 21:40 authored by Kristina Gordon
The interbedded metapelites and metapsammites of the Mount Stafford Beds preserve a suite of metamorphic isograds and progressive evolution of migmatite morphology as a result of a steep lateral geothermal gradient of 75°C / km across a 10 km wide regional aureole. Migmatite banding at Mount Stafford is controlled by the interbedded turbidite protolith, with differentiation due to leucosome/melanosome segregation. The melting history at Mount Stafford has been found to be controlled by a series of biotite breakdown reactions, at different P/T conditions and contrasting whole rock. Melt mobilisation is limited across wide areas, which is confirmed by the constant bulk rock composition of metapelites and metapsammites across the area. Textural observation from the in-situ relationships between apatite and micro-monazite ≈10um at low (greenschist) grades indicates the formation of metamorphic monazite at temperatures 25°C less than previously published for the Mount Stafford area, although this is in within temperature range of the observed new growth of monazite from a comparative the Cooma Complex. Within metapelites, monazite size and abundance increases with increasing metamorphic grade whilst an inverse decrease is observed with apatite mode and size. In metapsammites, apatite/monazite relationships are stable with monazite located as single grains in the matrix, and on rims of larger <250μm apatite and ilmenite grains, up to upper amphibolite grade. Xenotime is observed in samples from lower amphibolite to upper amphibolite, however mode decreases in the higher grades. Tourmaline formation in the lower (greenschist) grades at Mount Stafford has been found to be a result of closed system behaviour of fluids due to the breakdown of B-host minerals (clay minerals,mica) and formation of metamorphic tourmaline rims on detrital cores. The formation of up to 3mm unzoned euhedral tourmaline grains in metapelite is considered to be related to the rapid consumption of muscovite. Mode and form of tourmaline reduces up-grade, as form changes to subhedral grains along mineral boundaries. At highest grade, tourmaline is absent from metapsammite, and evident as small grains within cordierite in metapelite which indicates B loss via fluid movement at higher metamorphic grades.