Need Some New Year’s Resolutions ?

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https://www.brockpress.com/2016/02/my-new-years-resolution/

Dealing With Stressful Times With Plants

Growing an indoor jungle is a great way to deal with stress

Today we’re in Oklahoma City, visiting Treyon’s indoor plant collection:

I started gardening about a year and a half ago. I started as a means to decompress, get grounded, and connect with nature in a new way than I have before. I am currently a dental student, so life can get stressful, but my plants have been a key element in my creating a safe space for myself. My plants help remind me that simply existing and growing at my own rate is enough. No need to perform—only exist and grow, however that may look for me.

Philodendron Jose Buono

A beautifully variegated Philodendron ‘Jose Buono’. This is Treyon’s largest philodendron, and he says that he dreamed of having this plant for two weeks before he found it, and that it has lived up to all his expectations. The dramatic, irregular patterns of white and green are certainly worth dreaming of!

Another shot of ‘Jose Buono’. Variegated plants like this produce a different pattern on each leaf.

indoor plants

The plant lover relaxes in his indoor plant jungle, which is his safe space during the stress of dental school.

calathea

Treyon’s calathea collection: Calatheamusaica (left), Calathealeitzei ‘White Fusion’ (bottom), Calatheaorbifolia (right), and Calathea ‘Medallion’ (top). These look stunning. Calathea have a bit of a reputation for being fussy, but there’s no sign of that here.

variegated peace lily

A variegated peace lily (Spathiphyllum). Who needs flowers when the leaves are this beautiful? Treyon says that this plant is easy to keep happy because it always lets you know when it needs something. This is a plant that will wilt dramatically if it gets too dry, but it perks up again the moment you give it a drink.

Fiddleleaf fig

Fiddleleaf fig (Ficuslyrata) can be expensive, and it has a reputation for being fickle, but Treyon fell in love with this dramatic plant and had to give it a shot. Clearly it is happy and looks fantastic.

Treyon also says that he has found a great community of plant lovers online and that these plant accounts have been a big inspiration to him: @monsteramaven@plantsdecoop@botanicalblackgirl@plantkween and @kayleeellenofficial

You can see more of Treyon’s plants in his own Instagram feed: @plantfix_and_chill/

Source: Dealing With Stressful Times With Plants – FineGardening

Christmas Brainstorm Activity

By By Sue Watson for Thought.co

Christmas lessons and activities are great motivational techniques. Some of the best activities in an inclusional classroom include brainstorming activities. When you provide students with the opportunity to brainstorm, you are actually using differentiated instruction. Brainstorms work well for gifted learners, mainstream learners and disabled learners.

More Brainstorming:

6. Why is Christmas special to you?

7. How many different Christmas songs can you think of?

8. How many words can you find using only the letters in the word Christmas?

9. List all your different memories of Christmas.

10. Think of all the different things that happen at your house at Christmas. (Types of decorations, visitors etc.)

Brainstorms can be in writing or done in small or large groups in the classroom. All students have the chance to feel successful during brainstorm types of activities.

Thanks to: Christmas Worksheets and Christmas printables (thoughtco.com)

AnnualCreditReport.com

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militarydollarsandsense.com

AnnualCreditReport.com is a website jointly operated by the three major U.S. credit reporting agencies, EquifaxExperian, and TransUnion. The site was created in order to comply with their obligations under the Fair and Accurate Credit Transactions Act (FACTA)[1] to provide a mechanism for American consumers to receive up to three free credit reports per year.

Background

One of the provisions of FACTA, passed in 2003 as an amendment to the Fair Credit Reporting Act (FCRA), was a requirement that each of the three credit reporting agencies provide, upon request, a free credit report every twelve months to every consumer. The goal was to allow consumers a way to ensure their credit information is correct and to guard against identity theft.[2]

Accordingly, the three major credit reporting agencies, Equifax, Experian, and TransUnion created the joint venture company Central Source LLC to oversee their compliance with FACTA.[3] Central Source then set up a toll free telephone number, a mailing address and a central website, AnnualCreditReport.com, to process consumer requests. Access to the free report was initially rolled out in stages, based on the consumer’s state of residence. By the end of 2005 all U.S. consumers could use these services to obtain a credit report.

Companies participating

Currently these companies are required to participate in the website:

Companies not participating

Use of website

AnnualCreditReport.com requires users to register with the site and provide their basic identification information, such as name, address, and Social Security number. The user is then sent to the website of the individual credit reporting agency they select, where they are asked additional security questions to confirm their identity before getting their report.[2] A consumer can request reports from all three agencies at the same time or stagger the requests throughout the twelve-month period as a way to self-monitor their credit data.[2] In order to obtain a free credit report, users are not required to give a credit card number but establishing an account is required by some of the agencies. Any inaccuracies or signs of identity theft may be dealt with using the mechanisms provided for under the FCRA and FACTA.

Over a two-year period from December 2004 to December 2006, 52 million credit reports were issued to consumers through AnnualCreditReport.com. According to the Consumer Data Industry Association, fewer than 2 percent of the reports reviewed by a consumer resulted in a dispute in which data was deleted from the report.[4]

Credit scores are not included in free credit reports obtained from AnnualCreditReport.com. For a fee, each of the credit bureaus offer credit scores as an add-on feature of the report.

Concerns

Credit inquiries effect on credit scores

Using this service does not lower the consumer’s credit score, as it counts as a “soft” credit pull. “Hard” credit pulls made by lenders directly, however, do affect the borrower’s credit score.

Third-party fraud attempts

AnnualCreditReport.com is the only federally mandated and authorized source for obtaining a free credit report. The Federal Trade Commission cautions consumers to be aware of “impostor” websites that have similar names or are deliberate misspellings of the real name.[2] Such impostor websites include websites with titles like FreeCreditScore.com.[5]

In order to investigate this concern, the consumer group World Privacy Forum has made two studies regarding AnnualCreditReport.com. Their July 2005 study found that there were 233 domains with names very similar to AnnualCreditReport.com, of which 112 routed users to a variety of unintended destinations, including for-fee services, “link farms” and pornographic sites. The report concluded that the credit reporting agencies and the Federal Trade Commission needed to do more to rein in and shut down impostor sites. A follow-up study from RentPrep found that of the original 112 routed links, only six currently remain. [6]

Source: AnnualCreditReport.com – Wikipedia

Love Horoscope 2021

Image result for Free Love Horoscope
yourfreedailyhoroscope.com

By Astrofame 

‘When will I find my soulmate?’

Whether you’re single or in a relationship, we’ve got you covered in 2021 and are ready to reveal what awaits your zodiac sign in the love department! Astrologer Susan Taylor reveals everything you need to know and whether you should start stocking up on Kleenexes!

Could 2021 be THE year? Check out this compatibility chart on where to begin.

Zodiac signs: Single love horoscope:Love relationship horoscope:Compatibility:
 Aries ♈❤❤❤❤ 80%❤❤❤ 60%Aries + Sagittarius
Taurus ♉❤❤❤❤ 80%❤❤❤❤ 75%Taurus + Cancer
Gemini ♊❤❤ 35%❤❤❤❤ 75%Gemini + Pisces
Cancer ♋❤❤❤❤ 76%❤❤ 25%Cancer + Taurus
Leo ♌❤❤❤❤ 70%❤❤❤❤ 69%Leo + Virgo
Virgo ♍❤❤❤ 60%❤❤❤ 55%Virgo + Leo
Libra ♎❤ 10%❤❤❤❤ 80%Libra + Aquarius
Scorpio ♏❤❤ 55%❤❤ 25%Scorpio + Capricorn
Sagittarius ♐❤❤❤ 55%❤❤❤❤ 75%Sagittarius + Aries
Capricorn ♑❤❤❤ 65%❤❤ 25%Capricorn + Scorpio
Aquarius ♒❤❤❤❤ 79%❤❤❤❤ 75%Aquarius + Libra
Pisces ♓❤❤❤❤ 75%❤❤ 35%Pisces + Gemini

Source: Love Horoscope 2021: When Will I Find Love? (msn.com)

How to identify a Mole, a Wart and a Skin Tag

insider@insider.com (Jennifer Larson,Kathleen Cook Suozzi)  

a screenshot of a cell phone: Ruobing Su/Insider

A skin tag is usually the same color as the rest of your skin. It typically looks like a loose piece of skin attached by a stalk to your body, and you can often wiggle it back and forth with your fingers.

Skin tags can vary in size, and they often come in bunches. I don’t think I’ve ever seen someone come in with just one skin tag,” says Joyce Davis, MD, a dermatologist in private practice in New York, New York. “They also have a smooth surface, unlike a wart, which is typically rough or corrugated,”

Warts are also benign skin growths. But we know they’re caused by a viral infection to the top layer of your skin, and unlike skin tags, they’re contagious. 

Skin tags are also different from another type of skin growth: a mole, or nevus. Unlike skin tags, some moles can lead to skin cancer. Moles can vary in size, and they can be any shade of pink or brown, whereas skin tags are typically the same color as your natural skin. Some moles are raised, while others are flat.

To get rid of a skin tag, seek out a dermatologist. 

It’s important to note that you don’t have to remove skin tags at all – they’re harmless. Moreover, experts don’t recommend trying to remove a skin tag at home for multiple reasons.

For one, “that skin tag has a blood vessel within it, so if you remove it, it can bleed,” Davis says. And the bigger or wider the stalk of the skin tag, the more likely it is to bleed a lot.

“You may be quite surprised by the amount of bleeding that comes from something quite small,” says dermatologist Jason A. Clark, MD, Adjunct Assistant Professor of Dermatology, Emory Department of Dermatology, who also doesn’t advise self-removal.

Plus, you might wind up giving yourself a scar or an infection if the tool you use to remove it are not sterilized, Clark says.

To avoid scarring and infection, visit a doctor who will have several removal options for you:

  • Snipping it off
  • Freezing it off
  • Burning it off (also known as cauterizing)

One more thing to note: While skin tags don’t grow back after they’re removed, that won’t stop you from growing new ones. “I can remove what you have,” she says Davis. “But I can’t prevent you from growing new ones.”

Source: How to identify and remove a skin tag (msn.com)

 

Careers where women earn more than men

By Juliet Bennett Rylah for Cheapism©

Slide 1 of 12: It's common knowledge women typically make less in the workforce — around 81 cents for every dollar earned by male counterparts, according to Labor Department statistics. But how accurate that number is and the reasons behind it are widely discussed and debated. Some suggest that women often make less because they are more likely to hold lower-paying jobs. Data from the National Women’s Law Center states that women make up 47% of the workforce, but account for 69% of employees in jobs that pay $10 an hour or less. Meanwhile, Glassdoor found that nine out of the 10 highest-paying college majors (such as engineering, physics, and computer science) are dominated by men, while women are more prominent in six of the 10 lowest-paying majors (including in liberal arts and social sciences). But even men and women with the same majors often split into different job titles within industries where men wind up in positions that pay more.There's good news: Women often make higher wages than men if they are in male-dominated fields, especially when joining unions within those fields. As the gender pay gap persists, these jobs are few and far between and subject to a wide variety of variables, but they are out there.

 © SolStock/istockphoto

Well Heeled

It’s common knowledge women typically make less in the workforce — around 81 cents for every dollar earned by male counterparts, according to Labor Department statistics. But how accurate that number is and the reasons behind it are widely discussed and debated. Some suggest that women often make less because they are more likely to hold lower-paying jobs. Data from the National Women’s Law Center states that women make up 47% of the workforce, but account for 69% of employees in jobs that pay $10 an hour or less. Meanwhile, Glassdoor found that nine out of the 10 highest-paying college majors (such as engineering, physics, and computer science) are dominated by men, while women are more prominent in six of the 10 lowest-paying majors (including in liberal arts and social sciences). But even men and women with the same majors often split into different job titles within industries where men wind up in positions that pay more.

There’s good news: Women often make higher wages than men if they are in male-dominated fields, especially when joining unions within those fields. As the gender pay gap persists, these jobs are few and far between and subject to a wide variety of variables, but they are out there.

Wholesale and Retail Buyers

Gap in women’s favor: Less than 1 cent more per dollar
Women in this profession, who work selecting and buying goods or services a company needs, are not going to make much more than their male coworkers, but with very few professions giving the edge to the ladies, this one makes the cut. Interestingly, the 2019 Glassdoor Progress on the Gender Pay Gap report notes that, as a whole, male professionals in the retail industry are paid quite a bit more than women.

Postal Service Clerk …

Gap in women’s favor: 2 cents more per dollar
Those ladies behind the counter at your post office make, on average, 2 to 3 cents more than those dudes standing next to them, according to the Bureau of Labor Statistics. Interestingly, however, the same is not true for mail carriers, where men are paid a whopping 18 cents more an hour than women. Not cool, USPS.

… And Lots of Other Clerks

Gap in women’s favor: 2 to 11 cents more per dollar
This is admittedly rather vague, and that’s because, according to BLS, female clerks of all types — billing and posting clerks, reservation and transportation ticket agents and travel clerks, office clerks, production, planning, and expediting clerks, and receptionists and information clerks make more than men. Reservation and transportation ticket agents and travel clerks saw the biggest payoff — the ladies there make an average of 11 cents more an hour. The problem here is that none of these jobs are very high paying to begin with.

Editor

Gap in women’s favor: 3 cents more per dollar
Female wordsmiths are making a few cents more per dollar than their male counterparts, with the Bureau of Labor Statistics reporting that, in 2018, women editors made an average annual salary of $59,176 to the men in their same profession, who pull in $57,408.

Kinesiologist

Gap in women’s favor: 5 cents more per dollar 
The study of body movement, a college major similar to exercise movement and one you might pursue if interested in becoming a personal trainer or physical therapist, is one of Glassdoor’s lowest-paying majors, tied with criminal justice. Still, the wage gap here is in women’s favor according to the website’s 2017 economic study — women’s $43,000 annual average salary to men’s $41,000. Take that with a grain of salt, however, as BLS’s 2918 statistics note that male physical therapists are paid more by a margin of 2 cents per dollar. 

Chemical Engineering

Gap in women’s favor: 5 cents more per dollar 
It’s not surprising this STEM (science, technology, engineering, math) field is lucrative. It’s also one that typically attracts more men, although women who pursue it excel, making an average $63,770 a year in chemical engineering to men’s $60,480, according to Glassdoor.

Paralegal and Legal Assistant

Gap in women’s favor: 5 cents more per dollar
The BLS notes that women’s average weekly pay in this career, where workers perform a variety of tasks to support lawyers, including maintaining and organizing files, conducting legal research, and drafting documents, is $953 versus men’s $917.

Advertising Sales Agent

Gap in women’s favor: 10 cents more per dollar 
The gap among advertising majors is in women’s favor by an average $54,756 to $49,400. Women also hold 60% of professional positions in advertising, says Avi Dan, a contributor to Forbes, but black employees are poorly represented and still make only 80 cents for every dollar earned by a white colleague.

Clinical Laboratory Technologist and Technician

Gap in women’s favor: 10 cents more per dollar
Women who have a passion for the laboratory and can stomach bodily fluids can earn more than men in this profession, BLS reports. They make an average of $47,372, nearly $5,000 more per year than their male counterparts.

Food Prep and Food Service Worker

Gap in women’s favor: 14 cents more per dollar
It might not be the loftiest of career goals, or pay the most, but women who work in food prep and service, which includes fast food workers, make a fair bit more than their male coworkers.

Model

Gap in women’s favor: 93 cents more per dollar 
This is one job where the wage gap is completely reversed. Female models make quite a bit more than male models. Looking at a Forbes report released earlier this decade that compared the 10 highest-paid female and male models over two years, women made a total of about $105 million while the men clocked in at about $7.6 million. Women’s fashion is a bigger market, and the work is higher-paying and more abundant. However, as French model Baptiste Nicol noted in a Huffington Post story: “You have to take into account that a male model will have his best earning years between 30 and 50” — by which time, the outlet went on to write, “most female models’ maximum earning potential is behind them.” Sigh. But, it should be noted, that this is an industry in which even the non-super contingent of female models are paid about $13,000 more per year than the rank-and-file male models.  

Source: Careers where women earn more than men (msn.com)

Working from Home? 10 Small Office Décor Ideas

Slide 1 of 10: This lovely space from @loves_leeds_homes proves you can carve out workspace almost anywhere. Define it with inspiring wallpaper (or color). Check out that wall-mount desk with slim attached legs, with matching overhead shelves for storage. So smart!

 © via love_leeds_homes

Unexpected Nook

This lovely space from @loves_leeds_homes proves you can carve out workspace almost anywhere. Define it with inspiring wallpaper (or color). Check out that wall-mount desk with slim attached legs, with matching overhead shelves for storage. So smart!

Slide 2 of 10: A painted floor pattern, slim storage towers and airy drapes (no actual window required) helped @bloomingdiyer carve a cozy farmhouse office out of a dark basement storage room. Create a similar look with these herringbone wood wall decals and this Moroccan tile floor stencil.

 © via @bloomingdiyer

Cozy Farmhouse

A painted floor pattern, slim storage towers and airy drapes (no actual window required) helped @bloomingdiyer carve a cozy farmhouse office out of a dark basement storage room. Create a similar look with these herringbone wood wall decals and this Moroccan tile floor stencil.

Slide 3 of 10: A small office can feel dark and cramped. To make a space feel bigger and brighter, use recessed LED lighting and playful wallpaper, as shown in this office from @littlesquaresofhome. A cubby wall adds plenty of storage, and freestanding plant stands lighten without bulk.

 © via @littlesquaresofhome

Bright and Playful

A small office can feel dark and cramped. To make a space feel bigger and brighter, use recessed LED lighting and playful wallpaper, as shown in this office from @littlesquaresofhome. A cubby wall adds plenty of storage, and freestanding plant stands lighten without bulk.

Slide 4 of 10: Every square inch of this workspace by @lauracoxhome is maximized, thanks to choices such as cut-to-fit shelves, a hardworking pegboard and a roomy basket that tucks perfectly into what would typically be wasted space. It also serves as proof that there's always space for plants, which add life, texture and cheer without taking up much space. When your desk is next to a bright window, it's practically mandatory, though faux plants are always an option.

 © via @lauracoxhome

Plenty of Plants

Every square inch of this workspace by @lauracoxhome is maximized, thanks to choices such as cut-to-fit shelves, a hardworking pegboard and a roomy basket that tucks perfectly into what would typically be wasted space. It also serves as proof that there’s always space for plants, which add life, texture and cheer without taking up much space. When your desk is next to a bright window, it’s practically mandatory, though faux plants are always an option.

Slide 5 of 10: A small desk and chair tucked into the corner of your bedroom or living room certainly qualifies as a home office. A large piece of artwork anchors and defines the workspace, as @rice_camp so beautifully demonstrates.

 © via @rice_camp

Super-Sized Art

A small desk and chair tucked into the corner of your bedroom or living room certainly qualifies as a home office. A large piece of artwork anchors and defines the workspace, as @rice_camp so beautifully demonstrates.

Slide 6 of 10: The right decor choices can make a small space feel bigger, like in this small office from @prettyrealblog. Vertical shiplap draws the eye up, and the neutral color palette feels calm and airy. The wall-mount shelves and smart sconce lighting free up desk space.

 © via @prettyrealblog

Calm and Neutral

The right decor choices can make a small space feel bigger, like in this small office from @prettyrealblog. Vertical shiplap draws the eye up, and the neutral color palette feels calm and airy. The wall-mount shelves and smart sconce lighting free up desk space.

Slide 7 of 10: How can one wall host so much? Pin the praise on @oakeydesignandco's large cork board, equal parts inspiration and organization. (Use cork tiles to customize one to your space.) It definitely communicates "command central" while helping keep the desktop clear — especially challenging in a small space. And an acrylic chair is always a strong choice in a small space, since it all but disappears.

 © via @oakeydesignandco

Cork It Up

How can one wall host so much? Pin the praise on @oakeydesignandco’s large cork board, equal parts inspiration and organization. (Use cork tiles to customize one to your space.) It definitely communicates “command central” while helping keep the desktop clear — especially challenging in a small space. And an acrylic chair is always a strong choice in a small space, since it all but disappears.

Slide 8 of 10: Pegboards can be reconfigured as your needs change, and they don't take up any floor space — great for small offices. We love this beautiful reimagining of the classic wooden pegboard in this small office from @cozy.happy.home because it works as storage and art. Check out this budget-friendly option, or make your own by adapting this garage unit.

  © via @cozy.happy.home

Versatile Storage

Pegboards can be reconfigured as your needs change, and they don’t take up any floor space — great for small offices. We love this beautiful reimagining of the classic wooden pegboard in this small office from @cozy.happy.home because it works as storage and art. Check out this budget-friendly option, or make your own by adapting this garage unit.

Slide 9 of 10: An office tucked inside a closet, of course! Just remove the doors and nestle a horizontal workspace inside — a floating desk like the one @flynnhaus used is perfect. Add wallpaper and a cute pendant light and you'll forget the space was ever meant for anything else.

 © via @flynnhaus

Create a “Cloffice”

An office tucked inside a closet, of course! Just remove the doors and nestle a horizontal workspace inside — a floating desk like the one @flynnhaus used is perfect. Add wallpaper and a cute pendant light and you’ll forget the space was ever meant for anything else.

Slide 10 of 10: Take a blank wall and add some plywood and a couple of 2x4s and voilà — a long workspace for two! @this_little nook went the DIY route to create a narrow shared office, though the store-bought version (i.e. this two-person desk) works, too.

 © via @this_little_nook

Go Long

Take a blank wall and add some plywood and a couple of 2x4s and voilà — a long workspace for two! @this_little nook went the DIY route to create a narrow shared office, though the store-bought version (i.e. this two-person desk) works, too.

Article by Erica Young  for Family Handyman

Source: 10 Small Office Décor Ideas (msn.com)

Advent and Calendar Dates

Girl (4-5) Opening Christmas Advent Calendar

Elva Etienne / Getty Images 

For denominations that celebrate Advent, the holiday marks the beginning of the church’s liturgical year. Advent is primarily observed in churches that adhere to an ecclesiastical calendar of liturgical seasons, feasts, memorials, fasts, and holy days. Those churches include Catholic, Orthodox, Anglican / Episcopalian, Lutheran, Methodist, and Presbyterian.

The season of Advent is a period of both repentance and celebration. Christians spend time in spiritual preparation for the coming of Jesus Christ at Christmas. Believers remember not only the Lord’s first coming to earth as a human baby but also celebrate his continued presence with us today through the Holy Spirit. Advent is also a time for worshipers to anticipate his return at the Second Coming of Christ.

The word “advent” comes from the Latin term “adventus” which means “arrival” or “coming,” particularly the arrival of something or someone of great significance. 

In Western Christianity, Advent begins on the fourth Sunday prior to Christmas Day, or the Sunday which falls closest to November 30 (the feast of St. Andrew the Apostle in the Catholic tradition). Consequently, in Western Churches, the First Sunday of Advent can fall as early as November 27 or as late as December 3.

The season of Advent lasts through Christmas Eve, or December 24. When Christmas Eve falls on a Sunday, it is the last or fourth Sunday of Advent.

In Eastern Orthodox churches, which use the Julian calendar, Advent begins earlier, on November 15, and lasts 40 days, rather than 4 weeks.

Advent Calendar Dates for 2020

  • November 29 – First Sunday of Advent
  • December 6 ​- Second Sunday of Advent
  • December 13 – Third Sunday of Advent
  • December 20 – Fourth Sunday of Advent

The Candles of the Advent Wreath

The lighting of an Advent Wreath is a traditional custom that originated in Germany in the 16th-century. On the branches of the wreath are four candles: three purple and one pink candle. In the center of the wreath sits a white candle.

Religious: Christmas Advent Wreath With Burning Candles
cstar55 / Getty Images  

On the first Sunday of Advent, the first purple (or violet) candle is lit. This is called the “Prophecy Candle” and recalls the prophets, particularly Isaiah, who foretold the birth of Jesus Christ. It represents hope or expectation of the coming Messiah.

Each Sunday following, an additional candle is lit. On the second Sunday of Advent, the second purple candle called the “Bethlehem Candle,” is lit. This candle represents love and symbolizes Christ’s manger.

On the third Sunday of Advent, the pink (or rose) candle is lit. This Sunday is called Gaudete Sunday. Gaudete is a Latin word meaning “rejoice.” The change from purple to pink signifies the transition in season from repentance to celebration. The pink candle is called the “Shepherds Candle” and represents joy.

The last purple candle is called the “Angels Candle,” It is lit on the fourth Sunday of Advent and represents peace.

Traditionally, on Christmas Eve, the white center candle is lit. This “Christ Candle” represents the life of Jesus Christ that has come to light the world. It represents purity.

Source: 2020 Advent Calendar Dates: What Are the Sundays of Advent? (learnreligions.com)