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| Nota n°44936 |
da bfuncjc1ent
il 06/09/2013 @ 22:06 | | com incorrectly stated that Georgia would not allow autographs at its fan day. In addition,IPAD??? ???? ??, human-like teaching,??? Coach ????? ??????,? So,http://www.brandonlinegroup.com/Timberland%E3%80%80%E3%83%86%E3%82%A3%E3%83%B3%E3%83%90%E3%83%BC%E3%83%A9%E3%83%B3%E3%83%89-20790/, The Fiat Jolly,??????? ??????, Vintage Pickups: Postwar Playthings With new pickup trucks holding strong as one of the best-selling vehicle categories in the U.6Attempts 11-20 Of Game1609257. 0BY WEATHERATTCOMPPCTYDSYDS/AYDS/GLONGTDTD%INTINT%SACKYDSLRATEOutdoor Temp |
| Nota n°44935 |
da ptometrnhg
il 06/09/2013 @ 22:06 | | It’s the second day of the new year, which means — if you’re like me — that the resolution of being a better, more understanding, more perfect parent in 2013 was broken sometime before New Year’s Day dinner.So I offer up an alternate resolution for the rest of the 2013: Be a more neglectful parent. I’m not actually advocating neglect — just a little less hovering, a little less worrying, a little less intervening. If we give it a try, we might just wind up with less gray hair and better relationships with our kids by year’s end.I do not, for one minute, posit that this is an easier resolution to keep than being a more perfect parent. In fact, it may be harder. At least society supports the notion of perfect parenting. Mention in the carpool line that you intend to be a more neglectful parent in 2013 and face being unfriended.You can blame Wendy Mogel, a clinical psychologist and author of the parenting books “” and “” for giving me this harebrained notion. I mean, the woman wrote about a B- being okay. How much more counterculture can you get?I spoke to Mogel recently about following the path to more neglectful parenting. Here’s what she suggests:1. Don’t assume the worst. “We have become a society of good parents gone bad: loving,?????, devoted, intelligent parents who keep saying to themselves ‘what if. . . ’ ” Mogel says. The reality is that this biological imperative toward overprotection — think mama lion on the African savanna — is not well-suited for 21st century life. “But still we use those same instincts to make sure our kid gets the best second-grade teacher or makes the right soccer team. It’s a little crazy,” Mogel says.2. Don&rsquo,???;t make your children assume the worst. Children live in a very different world from adults and that’s sometimes hard to remember. “Children aren’t nervous until we make them nervous,” Mogel says. So the antidote to assuming the worst is to spend time seeing the world as your child does — at any age. “Babies are mesmerized by lights. As a parent, you see lights in a new way when you have a baby,” she says. “. . . With teenagers,D?G, you had better have seen by now. It’s not a coincidence that it’s the most-viewed YouTube video. It’s so inventive,??????????, so hilarious, so delightful.” Children give us the chance to see the world as a less hostile place, but we have to open our eyes to those possibilities.3. You don’t want to be your child’s best friend. This idea never would have occurred to our parents, Mogel points out, noting that our parents may have struggled to correctly answer what grade we were in. Today, many parents can recite their children’s class schedule, teachers’ names and grades by heart. “We take their emotional temperature all the time, and if they’re unhappy,?????, we’re unhappy,” she says. Mogel warns that we take our children’s lives too personally, in a way that isn’t healthy for them or for us. 4. Get outside. Want to engage in quality time with your child? Take a hike — together as a family. Even if it’s cold out. Mogel is a big fan of Richard Louv’s “” (Algonquin Books, $15), a book about the power of using our five senses in a three-dimensional world that cannot be experienced on a tablet or in front of a wide-screen TV. It’s also a wonderful way to see the world through your children’s eyes. And if you’re the parent of a teenager,??? ?????, what starts out as a replication of the Bataan Death March might actually lead to some real conversation and — gasp — laughter. 5,nikon. Find another neglectful parent,???????ToryBurch?. Finally, support on this journey is critical. So Mogel advises finding “another somewhat neglectful parent; a person who refuses to overprotect, overindulge and overschedule” their child. On ,????????, Mogel has created a 13-step program called It’s wise and witty and the concept of having a “sponsor” is empowering. After all,?????????, neglectful parents of the world must unite!Grant, the editor of , writes about parenting issues every other week. More from :Related_articles:
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| Nota n°44934 |
da dwfujtnmwt
il 06/09/2013 @ 22:06
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| Nota n°44933 |
da bvowmx4796
il 06/09/2013 @ 22:06 | | You’ve probably seen the reverse mortgage pitchmen at work on your TV screen — former Sen. Fred Thompson and actors Robert Wagner and Henry &ldquo,nikon;Fonzie” Winkler prominent among them — urging seniors to pull cash out of their homes through a loan program guaranteed by the federal government,????? ?????????. But it looks like the pitchmen will have fewer and smaller mortgages to sell in 2013. In a move aimed at controlling losses to its insurance funds, the Federal Housing Administration (FHA) is clamping a moratorium on the most popular form of reverse mortgage — the so-called “standard” version, which allows large lump-sum drawdowns of cash at fixed interest rates. The agency also plans to institute other changes that could make obtaining a reverse mortgage tougher for some applicants, such as financial qualification standards and escrow set-asides for taxes and property insurance.Reverse mortgages are marketed to seniors 62 and older, can play important roles in retirement planning and enable owners to. Unlike other mortgages, reverse loans do not require periodic repayments of principal and interest; borrowers generally need not repay the amounts drawn down until they move out or otherwise sell the property. The FHA supports the dominant program in the field, known as the , which insures private lenders against loss and accounts for more than 90 percent of all new and outstanding reverse loans in this country. FHA’s program grew rapidly in volume from 2001 onward,???, producing 108,000 new loans in 2007, 112,000 in 2008 and 115,000 in the peak year of 2009. Since then, however, volumes have been sagging. Major lenders such as Bank of America, MetLife, Wells Fargo and Citibank have stopped originating new HECM loans altogether. Total originations sunk to 54,800 in the past fiscal year ending in September,???????, according to federal data. But shrinking volume hasn’t been the only problem. The HECM program has been racking up outsized losses for FHA, in part attributable to foreclosures on homes whose market values have fallen below the insured amounts provided to the borrowers. In ,??? ?????, losses on reverse mortgages contributed $2.8 billion to the agency’s capital reserve deficiency and increased the chances that FHA might have to seek a bailout from the Treasury next year. Congressional critics of the agency consider the reverse mortgage performance scandalous. During a Capitol Hill hearing earlier this month,BURBERRY, Sen. Bob Corker (R-Tenn) told Housing and Urban Development Secretary Shaun Donovan: “You are losing your shirt on reverse mortgages. Losing your shirt. ... You have got mortgage brokers out there that are making an absolute fortune right now [off reverse mortgages]. ... Some of them are good operators. A lot of them are schlocky operators. And I do not understand why you do not shut the program down.” Within days, that’s pretty much what Donovan, whose department runs the FHA, decided to do. In a letter Dec. 18 to Corker, acting FHA commissioner Carol J. Galante announced plans for an “immediate cessation” of the standard fixed-rate version of the program. The moratorium will not shut down all forms of FHA-backed reverse mortgages. Borrowers will still be able to use a version known as the which entails smaller maximum drawdowns and lower upfront fees, plus there are adjustable-rate options as well. None of them comes close to producing the volumes generated by the standard program, and FHA officials confirm that they expect the number of new reverse mortgages insured in 2013 to decline further. The fixed-rate Saver is likely to be the alternative of choice in 2013 for many borrowers. In an interview, Charles Coulter, deputy assistant secretary at FHA, said the Saver program offers 10 percent to 15 percent less in maximum drawdowns,new balance, depending on the age of the borrower. A comparison of the standard plan and the Saver prepared by Compass Point Research and Trading LLC, an investment advisory firm, estimated that on a home valued at $200,???????,000,?????, a 68-year-old borrower paying a 5 percent fixed interest rate would be able to pull out $130,400 using the standard program, but only $108,600 under the Saver plan. Bottom line: FHA-insured reverse mortgages for seniors won’t be disappearing in 2013. But they won’t offer as much cash, and may be tougher to obtain if FHA imposes new rules designed to cut its losses..Kenneth R. Harney&rsquo,????????kate spade?;s e-mail address is kenharney@earthlink.net.Related_articles:
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Why we need a ?plan B? for co
Deep texture and cuts turn paintings into sculptur
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| Nota n°44932 |
da tuberjijsg3
il 06/09/2013 @ 22:06 | | ??????????????????????????????????????????????????????????????????????????????????????????????????????????????????????,????? ?? ?????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????? ??????????,http://www.japaneseshoestore.com/%E3%83%AA%E3%83%BC%E3%83%9C%E3%83%83%E3%82%AF-c-407.html?????????????????????????????????????????????????? ?????????????????? ?????????????????????????????????????????????????????????????23??????????????????????????????????????????????????????????????????????????????????????? ????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????45???????????????? ????????????????????????à????k??????i??????????????????????????????????????????? ?????????????????????????????????????????????,http://www.japanwatchesstore.com/????????????????????????????????????????????????????????????????????,?? ? ??? ??+3????????????????????????????????,???? ?? ?????????????????????????????????????????????????????????????????????????,?????????????????1948??????????????????????????????,http://www.japaneseshoes tore.com/????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????? ??????????????????????????????????????????????????,??? ??? ??? ???????????????????????????????????????,???? Citizen ???????????????????????????????????????????????????????????5?,?????? ??? ??????????:
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