Native Eyewear visited mountain towns across the country, including outdoor meccas like Boulder and Bend, but it was the North Carolina hamlet of Brevard that won last year’s Locals Only Project. Each year, Native Eyewear selects the very best outdoor towns to highlight in their catalogs and to feature in special town-focused videos.Native Eyewear spent a month in Brevard this summer where the brand worked with local folks to gather photos, interview the locals and to take breathtaking videos of the Great Smoky Mountains. The footage was then captured in the 2014 Native catalog, on the Native website, and in an exclusive paperback publication created to celebrate Brevard’s outdoor culture and lifestyle.Celebrate with Brevard and Native Eyewear on Saturday, February 8, from 6 – 10 p.m. at the Lumber Yard at 200 King Street in downtown. Native will show the video and debut and distribute the paperback at the party. Beverage and appetizers will be provided with tunes of the local band Spencer and the String Ticklers serving as the backdrop.
It’s been a good summer for home values, and it may spark dreams of how you can put the equity in your home to good use.What is home equity? It’s the difference between the current market value of your home and how much you still owe on your mortgage loan. As the value of your home increases, you gain equity in your home.Because the value of your home as collateral is based on its current market value, a home equity loan allows you to borrow against that equity. You can choose between a home equity loan or home equity line of credit (HELOC).With a home equity loan you borrow a lump sum amount, usually at a fixed interest rate. A HELOC functions as a line of credit, and like a credit card, you can draw funds as needed up to your available maximum. Your interest rate is typically linked to the prime rate, so when the Federal Reserve raises interest rates, you can expect your HELOC rate to be adjusted accordingly.A Bankrate.com survey asked why homeowners would tap into their home’s value. Seventy-five percent of respondents said they wanted to use the funds to make home improvements or repairs. Other reasons included consolidating debt (44%), paying tuition/educational expenses (31%), covering household expenses (15%) and funding investments (12%).Survey respondents said while those were “good reasons” to cash in, they were still a bit hesitant to do so.According to Bankrate.com, plastic surgery topped the list of worst reasons to tap home equity (45%), with buying a boat (21%) and taking a vacation (18%) rounding out the top three.Here are a few questions to ask before borrowing against your home.How much will this cost? Do your research. Compare interest rates and make sure you understand exactly what is involved. What are the fees? Are there minimum withdrawal requirements? Is the interest rate just an introductory rate? If so, how high could it rise? What are the pros and cons of getting a HELOC or a home equity loan?Will it improve your financial standing? A home equity loan is not “free” money. If you are already struggling to pay your bills, adding to your debt by using your home as collateral could lead to disaster. If you can’t make the payments, you could lose your home. Know what you are working with and calculate if this is the right move for you.What’s my plan? How do you plan to use your home equity? How can you maximize your return on investment? How will you manage your payments? How long will it take to pay down? With the new tax law, if you are borrowing to make home improvements, you can deduct the interest. If you are trying to pay down your debt with your home, then have a plan on how you will manage your spending moving forward so you don’t dig yourself into a deeper hole. 33SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Myriam DiGiovanni After writing for Credit Union Times and The Financial Brand, Myriam DiGiovanni covers financial literacy for FinancialFeed. She is also a storytelling expert and works with credit unions to help … Web: www.financialfeed.com Details
Published on March 4, 2016 at 8:08 pm Contact Connor: firstname.lastname@example.org | @connorgrossman No. 3 Syracuse (4-0) traveled to Klockner Stadium in Charlottesville, Virginia for its first road game of the season and beat No. 17 Virginia (2-3), 14-13, on Friday night.The Orange withstood a five-goal fourth quarter barrage from Virginia, including four straight goals that shrunk a 13-8 lead to a 13-12 one. James Pannell scored his fourth goal of the game with 37 seconds left, causing UVA head coach Dom Starsia to call a timeout to strategize before the potential game-deciding faceoff.Faceoff specialist Michael Howard stepped on the stick of SU’s specialist, Ben Williams, drawing the referee’s whistle and keeping the ball with the Orange. The Syracuse offense ran out the remaining time on the clock to barely escape with the team’s first-ever win in Charlottesville.Here are three immediate reactions to Syracuse’s fourth-straight win to start the season.Welcome to the showAdvertisementThis is placeholder textNick Mariano has been a formidable presence on the Orange’s midfield line in his first year as a transfer. Entering Friday he’d scored six goals, including a three-tally performance against Albany last weekend. The junior tied his season-best mark against Virginia, but more meaningfully with two fourth-quarter goals cementing the final result.He stretched the lead out to five early in the fourth quarter, but Virginia stormed back with four unanswered goals to draw within 13-12. Derek DeJoe took an ill-advised shot on a near-impossible angle that clanked off the near post and dribbled in front of the crease.Mariano weaved through the mosh of players and deftly scooped and scored in a swift motion to stop the Orange’s bleeding. It proved to be the final score for Syracuse, and perhaps its biggest as it shortly thereafter forced the Cavaliers to vacate its goal.“(Mariano’s) been scoring for us and doing a nice job,” head coach John Desko told CuseTV after the game. “Helped us on man-up today too.”Greener on the other sideThe majority of ground ball attempts come on faceoffs, and Syracuse is primed to win the majority of them with Williams. But despite his 18-for-29 game at the X, the Orange was beaten badly in the ground ball battle, 43-29. It’s the first time this season SU fell short on the ground ball margin, and something that happened only twice last year.Desko indicated his concern Wednesday that his team hadn’t practice groundballs on a grass field. The ball bounces differently on grass than FieldTurf, Desko said, and it certainly did Friday night.Several scrums at the faceoff X turned into makeshift kicking contests as SU’s wings tried to create separation on the ball after struggling to scoop it up. Plays in transition were harder to come by, as quick, bobbled passes turned into scooping battles off the ground.But Syracuse perhaps reeled in the biggest ground ball of the game after Virginia scored four unanswered goals early in the fourth quarter. Greg Coholan tried to knot the score at 13, but Warren Hill knocked his shot away from the crease and midfielder Paolo Ciferri emerged from the ground ball scrum near midfield. Mariano made good on the possession and cushioned SU’s lead.“To win down here on the grass, first time we’ve been on the grass this year, was big for us,” Desko said. Comments Facebook Twitter Google+ Extra men, everywhereWhat initially allowed Virginia to creep back into the contest was its dominance on SU’s man-down defense, which was forced into action by eight Syracuse penalties. After UVA knotted the score at five, both Nick Mellen and Austin Fusco were assessed penalties, compromising the Orange’s defense by two men. Midfielder Matt Emery made SU’s young duo pay for their mistakes, and put Virginia ahead, 6-5.Careless penalties like a Sergio Salcido late hit on Zach Ambrosino and a Scott Firman slash on the head put Syracuse at a disadvantage. The Orange’s man-down package is without Mellen, the team leader in caused turnovers, because of its complexity to the freshman defender.The 5-foot-7 Salcido did make good on two man-up opportunities for Syracuse’s offense, balancing out the Orange’s extra-man offense that’s always been dominated by Donahue’s presence. He led the country in extra-man goals last year.
Manipulation is a form of abuse that may go unrecognized. Abuse, whether it is emotional, sexual or physical, is a traumatic experience. This type of abuse is linked to gender based violence.There is an increased level of gender based violence in Liberia is likely to result to marital rape, suffering to women, deprivation of liberty, threats of violence – leading to physical harm such as battering, psychological harm and gender inequality.These risk factors may be a tough pill to swallow, however it must be made known.We Liberians have the tendency to overlook issues in our society. Somehow we think the problem will solve itself, or we say, “It is the next man’s problem”. If we do not take a stand now, the next generation will ultimately fall prey to abuse or continue the cycle of abuse. It is within our power to address the matter, to render support and advice to our neighbors – to educate both women and men within our communities.The purpose of this article is to recognize the signs of abuse, what it involves, how to safely move on, how to manage the situation and key ways to handle a manipulative person.After conducting research on the subject matter, I discovered that most abusers gain power and control over their victims by using various manipulative tactics.Psychological manipulation is an attempt to indirectly influence the behavior and actions of someone else through mental distortion and emotional exploitation and to seize power, control, benefits and privileges of a victim. The manipulator can do so by detecting a weakness and consequently using that weakness against their victim.CHARACTERISTICS OF A MANIPULATOR* The manipulator will exploit your weaknesses and make you feel inadequate. You may blame yourself for not meeting their needs. Being manipulated to feel bad about yourself, will lead you to eventually surrender your power and rights.* Manipulators may be charismatic and often have a hypnotic hold over others.* Some manipulators go from being highly polite to one individual and completely rude to another – or totally helpless one moment and aggressive the next. The manipulator will frequently play the victim.* A psychological manipulator is also a bully and will try to intimidate, verbally abuse and humiliate their victim.* Manipulative people use guilt, shame, lies and trickery to get what they want. They can never admit to being in the wrong.HANDLING A MANIPULATIVE PERSON* Prioritise your work and social life* Keep your distance and create a healthy lifestyle* You have the right to say “no” without feeling guilty. Psychological manipulators will make requests or outrageous demands to make you go out of your way to meet their needs. Use time to your advantage by saying, “I will think about it”. Some may demand immediately action or response. Remember you have a right to be respected. Say NO.* When dealing with verbal abuse, confront the abuser with a friend or relative. Create your boundary, be confident in your response to the abuse and down play their insults.* Express your feelings, opinions and wants.LEAVING AN ABUSIVE RELATIONSHIP* Talk to a trusted person about the violence. * Change your daily routine, contact number and work route or hours (if possible).* Keep a journal of all violent incidences, noting the dates, events and threats made.* Identify a safe place to stay.* Set money aside. Ask a friend or family member to keep hold of the money.* Life is like a game of chess. To win you have to make a move. Knowing which move to make comes with INSIGHT and knowledge, and by learning the lessons that are accumulated along the way.“We become each and every piece within the game called life!” – Allan RufusLiberian women have a natural ability to endure trying circumstances. We also possess great inner strength to overcome challenges.Knowledge along with awareness is a powerful tool; it is most useful in the handling of potential abusers and manipulative individuals. It promotes social change and will effectively decrease the number of cases being reported.Educating women on the main categories of abuse will encourage them to seek help; they will gain strength and courage in the process; it will empower them to help other women living with abuse .Share this:Click to share on Twitter (Opens in new window)Click to share on Facebook (Opens in new window)