Advertisement

Jangan lupa olahraga biar nggak baper (ˇ▼ˇ)

Selasa, 30 Desember 2014

My New Year's Resolution (2015)

Any moment from now is another cycle of our life. It's the time to leave all the baggage behind 2014 and start a more productive life than before. I'm happy that I've kept my new year's resolution I made last year and the other year and that is to lose weight. I was very successful in that journey and I'm so glad I did. Having a new year's resolution is like making a general and realistic plan for a year. It need not be rushed but must be thought with carefully. Mental strength and positive outlook in life is the best weapon to make your New Year resolution to be possible. 

Here are my New Year's resolution for next year:

1. Maintain my weight - I have a sedentary life right now and it's really difficult to maintain my weight by just sitting whole day in my room studying. My plan is to stick to MyFitnessPal's program and eat more healthy foods and most of all no binge eating as much as possible when stressed.

2. 10 book pages a day  - I must keep up with all my readings and read as much as 10 pages a day. If you're in law school, it's really a hard time keeping up with all your books. I must read in advance before the professor can tackle that particular topic. In that way, it's not the first view in that topic anymore and I can comprehend well. 

3. Make a blog schedule - since I have lots of blogs to maintain right now, I need to insert my hectic schedule at least 3 hours a day. 

4, Give more quality time with my partner - my boyfriend is coping up with his life after all that family betrayal that happened to him. The years he invested to help his brother's family is now a waste since the sociopath in-laws are meddling in their business. He didn't even got his proportionate share after the partnership terminates. The sad part of it, they'll be not in this position in life right now if not of his hardwork and perseverance. Look what he got in return? Nothing. If he only knew right from the start that he's dealing with a sociopath in-law, this would not have happened. The brother is even blinded by the fact that his wife is a sociopath. It's really hard to deal with a sociopath especially if it's a family member. The person will manipulate and twist all the facts and makes you believe in it. It feeds on your weaknesses and finds pleasure in it. My boyfriend moved out and stayed away from his family and in-law and it's the best way to get rid of the sociopath. Though the bitch keeps on stalking us on Facebook and other social networks making fake accounts. It even reads this blog right now (Girl, you need a psychiatrist. Confine yourself voluntarily).

5. More family quality time - my parents are very busy with their business and my sister is going abroad and we only see each other every morning. My plan is to make breakfast everyday and help with the household chores before studying and going to school at night. There's a famous quote shared by my best friend on her wall and it says "The best gift you can give to someone is your time, because you're giving them something you can never get back ".  

big eyes cat woman lady crazy cat lady watercolor painting free use asian
Eyes of Endearment
That's it! It looks so easy but very hard to commit. Anyway, I'm just sharing my newest watercolor painting inspired by my first love cat , my little Chi. Happy New Year everybody!!! 

Desember 2014 - Hallo sahabat The secret, Pada Artikel yang anda baca kali ini dengan judul Desember 2014, kami telah mempersiapkan artikel ini dengan baik untuk anda baca dan ambil informasi didalamnya. mudah-mudahan isi postingan Artikel dealing with a sociopath, Artikel lose weight, Artikel my new year's resolution 2015, Artikel new year 2015, Artikel quality time, yang kami tulis ini dapat anda pahami. baiklah, selamat membaca.

Judul : My New Year's Resolution (2015)
link : My New Year's Resolution (2015)

Baca juga


Desember 2014

Any moment from now is another cycle of our life. It's the time to leave all the baggage behind 2014 and start a more productive life than before. I'm happy that I've kept my new year's resolution I made last year and the other year and that is to lose weight. I was very successful in that journey and I'm so glad I did. Having a new year's resolution is like making a general and realistic plan for a year. It need not be rushed but must be thought with carefully. Mental strength and positive outlook in life is the best weapon to make your New Year resolution to be possible. 

Here are my New Year's resolution for next year:

1. Maintain my weight - I have a sedentary life right now and it's really difficult to maintain my weight by just sitting whole day in my room studying. My plan is to stick to MyFitnessPal's program and eat more healthy foods and most of all no binge eating as much as possible when stressed.

2. 10 book pages a day  - I must keep up with all my readings and read as much as 10 pages a day. If you're in law school, it's really a hard time keeping up with all your books. I must read in advance before the professor can tackle that particular topic. In that way, it's not the first view in that topic anymore and I can comprehend well. 

3. Make a blog schedule - since I have lots of blogs to maintain right now, I need to insert my hectic schedule at least 3 hours a day. 

4, Give more quality time with my partner - my boyfriend is coping up with his life after all that family betrayal that happened to him. The years he invested to help his brother's family is now a waste since the sociopath in-laws are meddling in their business. He didn't even got his proportionate share after the partnership terminates. The sad part of it, they'll be not in this position in life right now if not of his hardwork and perseverance. Look what he got in return? Nothing. If he only knew right from the start that he's dealing with a sociopath in-law, this would not have happened. The brother is even blinded by the fact that his wife is a sociopath. It's really hard to deal with a sociopath especially if it's a family member. The person will manipulate and twist all the facts and makes you believe in it. It feeds on your weaknesses and finds pleasure in it. My boyfriend moved out and stayed away from his family and in-law and it's the best way to get rid of the sociopath. Though the bitch keeps on stalking us on Facebook and other social networks making fake accounts. It even reads this blog right now (Girl, you need a psychiatrist. Confine yourself voluntarily).

5. More family quality time - my parents are very busy with their business and my sister is going abroad and we only see each other every morning. My plan is to make breakfast everyday and help with the household chores before studying and going to school at night. There's a famous quote shared by my best friend on her wall and it says "The best gift you can give to someone is your time, because you're giving them something you can never get back ".  

big eyes cat woman lady crazy cat lady watercolor painting free use asian
Eyes of Endearment
That's it! It looks so easy but very hard to commit. Anyway, I'm just sharing my newest watercolor painting inspired by my first love cat , my little Chi. Happy New Year everybody!!! 

Jumat, 19 Desember 2014

My Year-End Fashion Illustrations of 2014


Hi there!! I'm currently making lots of fashion illustrations right now. Actually, I made this set to give it to my classmates as a handmade Christmas card present. I hope they'll appreciate it anyway...
fashion illustrations free download use topshop kate spade forever 21
DOWNLOAD IT ALL HERE NOW!!! 
DOWNLOAD IT ALL HERE NOW!!! 


taylor swift fashion illustration Forever 21 Topshop
Forever Never Comes

lady in blue gown back Forever 21 DKNY Topshop
Blue Madame 
woman fat chubby curvy wearing sunglasses rayban Topshop
The Beauty Mark














Desember 2014 - Hallo sahabat The secret, Pada Artikel yang anda baca kali ini dengan judul Desember 2014, kami telah mempersiapkan artikel ini dengan baik untuk anda baca dan ambil informasi didalamnya. mudah-mudahan isi postingan Artikel arts, Artikel faber-castell watercolour pencil, Artikel fashion, Artikel fashion illustrations, Artikel sketches, Artikel watercolor, yang kami tulis ini dapat anda pahami. baiklah, selamat membaca.

Judul : My Year-End Fashion Illustrations of 2014
link : My Year-End Fashion Illustrations of 2014

Baca juga


Desember 2014


Hi there!! I'm currently making lots of fashion illustrations right now. Actually, I made this set to give it to my classmates as a handmade Christmas card present. I hope they'll appreciate it anyway...
fashion illustrations free download use topshop kate spade forever 21
DOWNLOAD IT ALL HERE NOW!!! 
DOWNLOAD IT ALL HERE NOW!!! 


taylor swift fashion illustration Forever 21 Topshop
Forever Never Comes

lady in blue gown back Forever 21 DKNY Topshop
Blue Madame 
woman fat chubby curvy wearing sunglasses rayban Topshop
The Beauty Mark














Kamis, 18 Desember 2014

Christmas Cards Free Download and Free Use

I was thinking of what to give this Christmas to my friends and while browsing Pinterest, I came up with the idea of giving them a more handmade and personal gift like a Christmas card since I just received a watercolor pencil from my bf and to make good use of it. Anyway, here they are below and they don't look that neat for now since I was on a hurry making them and I was experimenting some technique with my watercolour pencils. If you'd like to download the illustrations I've made, just click the download link below each images. Have a Happy Christmas everyone!! 

Anyway, the white crayon technique sucks!! It won't give a good effect if you're using watercolour pencil. I won't be using this technique if I'll use this medium.
christmas card balloon girl lady woman holding
Happy New Year 2015 - DOWNLOAD HI-RES Here!!!
free use christmas card expecting child
Looking Swell - DOWNLOAD HI-RES Here!!!



Desember 2014 - Hallo sahabat The secret, Pada Artikel yang anda baca kali ini dengan judul Desember 2014, kami telah mempersiapkan artikel ini dengan baik untuk anda baca dan ambil informasi didalamnya. mudah-mudahan isi postingan Artikel christmas cards, Artikel faber-castell watercolour pencil, Artikel fashion, Artikel fashion illustrations, Artikel free download, Artikel pregnant, Artikel watercolor, yang kami tulis ini dapat anda pahami. baiklah, selamat membaca.

Judul : Christmas Cards Free Download and Free Use
link : Christmas Cards Free Download and Free Use

Baca juga


Desember 2014

I was thinking of what to give this Christmas to my friends and while browsing Pinterest, I came up with the idea of giving them a more handmade and personal gift like a Christmas card since I just received a watercolor pencil from my bf and to make good use of it. Anyway, here they are below and they don't look that neat for now since I was on a hurry making them and I was experimenting some technique with my watercolour pencils. If you'd like to download the illustrations I've made, just click the download link below each images. Have a Happy Christmas everyone!! 

Anyway, the white crayon technique sucks!! It won't give a good effect if you're using watercolour pencil. I won't be using this technique if I'll use this medium.
christmas card balloon girl lady woman holding
Happy New Year 2015 - DOWNLOAD HI-RES Here!!!
free use christmas card expecting child
Looking Swell - DOWNLOAD HI-RES Here!!!



Rabu, 17 Desember 2014

Another 1000 Words and Ten Charts on First-generation, Low-income, and Minority Students

I have always enjoyed writing, and I consider this and my other blog like a hobby.  Usually, I spend no more than 45 minutes on any post, as I don't make my living by writing, and my blogs are not "monetized." But once in a while, an opportunity presents itself to write for a wider audience, and that's when I see what it takes to make a living putting words to paper. That happened this week.

You may have seen my opinion piece in the Chronicle of Higher Education. If not, you can read it first, read it last, or not at all; I think both this and that stand alone, despite their relationship.  In the end, we ended up with about 40% of my first draft, which is what happens when you write for a print publication. And of course, a print publication makes interactive charts, well, difficult.

I think there is more to say on the topic, because the similarities in recruitment challenges for first-generation, low-income, and minority students tend to look a lot alike, and the more data you look at, the clearer this all becomes. So I took what I had pulled together to research and write the CHE piece, formatted it for this blog, and put it here with the understanding I'd not publish until the Chronicle piece was online.

Frankly, this topic is a little bit personal for me.  My parents, born on farms in Iowa in 1916 and 1917, were among those who never attended high school, let alone college; of their four children, I'm the only one with a college degree. So I was a quintessential first-generation college student, and as I wrote on my other blog, my father made $17,000 in his best year, (or about $48,000 today's dollars) which would qualify us as low-income by most standards. In fact, I've always pointed to those factors as powerful influences in my choice of a profession.

I think the story is an interesting one, and I hope you'll stick with it to the end.

Point 1: The challenge of increasing attainment is not a new one, and America has made considerable progress in the past on this front. Consider this mind-blowing statistic: In 1940, about 60% of adults, like my parents, didn't make it past 8th grade. A lot of that generation who lived through the Depression and World War II sent their kids to college in large numbers in the 1960's and 1970's, increasing attainment rates dramatically.

The first chart here is very detailed and interactive, and the second is very simple, but they are based on and show the same data.

With all the charts, hover over a data point for details.






Point 2: Is education inherited?  That is, does it get passed on from parents to students like silverware and pocket watches?  Some data from the Brookings Institution suggests so: If your parents are educated, you're likely to be, and if they're not, the same is probably true of you. Anyone who's done admissions understands there is a cultural component and a context sensitivity that are important when recruiting first-generation students. Students whose parents have never been to college don't navigate the process as well as those who do.

To read this chart, look at each column, representing the educational attainment of fathers, from low on the left, to high on the right.  Each column adds to 100 or so (rounding errors) and the boxes represent where 100 children of fathers with this level of education end up in the educational attainment spectrum. The children of fathers with lower attainment end up near the bottom in greater numbers; the children of well educated fathers end up near the top (blue boxes are higher numbers). Orange boxes (low numbers) show up when we see how many children move in either direction; gray boxes are numbers in the middle.

Feel free to argue nature, nurture, or systematic issues here.  We like to think education is based on meritocracy; in fact, it may be an "inheritocracy."



Point 3: If education is inherited, this presents a problem that affects students of color, because African-American and Hispanic students are less likely to live in homes where a parent has a bachelor's degree.  Thus, they cannot "inherit" educational attainment. So ethnicity = attainment, to a large degree.




Point 4: And not surprisingly, college attendance rates already vary dramatically by both income:




And by ethnicity:


So income = ethnicity and ethnicity = attainment and attainment leads to attainment. (And I use the term "equals" pretty liberally here, of course.  It's obvious that nothing is destiny.)

Point 5: There is also the issue of affordability: Students of color tend to come from families with lower income levels. And I doubt we need a chart to demonstrate the relationship between parental education and family income.  But it may be that believing you can't afford a college education, accomplishment notwithstanding, may be the biggest barrier to educational attainment we have.



On one of the criteria that is weighted heavily in admissions, standardized test scores, students of color and low-income students tend to score lower.  If colleges and universities are serious about enrolling more first-generation students, low-income students, or students of color, they need to take a serious look at the weight of tests in the admissions process, and the extent to which they let the public judge them on freshman test scores.  While I'm generally agnostic about the US News and World Report rankings and the pursuit of them, this is the one area where I believe criticism is justified.

The 50 boxes for each ethnicity (five test score bands by ten income levels) are colored to show the percent of total by ethnicity, and those values add up to 100. Blue values are higher, and orange values are lower.  So you notice that the bluest box for African-American and Hispanic students is in the lower left corner (low income, low scores); for Asian and Caucasian, it's near the upper right (high income, high scores).  Hover over any box for details; this is from ACT EIS Data for 2010 and is created by compiling spreadsheets extracted from the software.


Of course, no one believes that being Hispanic or poor is the direct cause of lower attainment on standardized tests. Many believe the lower scores are proxy values for opportunity, and there are many who believe that standardized tests simply reflect the accumulation of social capital throughout a child's lifetime.  And much of the social capital necessary to be admitted to college comes with wealth and parental attainment.

Point 6: And finally, I offer these two charts.  First, the relationship between freshman test scores, ethnicity and Pell at American Colleges and Universities. You can look at private and/or public by using the filter, but regardless, you can see the relationships played out: In general, the higher your freshman class SAT, the lower the percentage of freshmen on Pell, and the less diverse you are. Thus, when we ask universities to be "excellent" and we define "excellence" by input variables like SAT or ACT scores and selectivity, this is what we're left with: Colleges who want to do the right thing have to act counter to their own interests.


And this: The relationship between institutional wealth and economic profile of the freshman class. You can click here to read the blog post when I originally published it, if you'd like.




So, I hope the points and the patterns in them are obvious: When we talk about increasing college attendance among first-generation, low-income, and minority students we're really talking about the same thing.  And all those factors pull, unintentionally, against the very things many colleges and universities strive to achieve.  It will take some very brave institutions at the top of the food chain to break out of the pack and move us collectively in the right direction.

I think it's a vicious circle of our own doing. What do you think?





Desember 2014 - Hallo sahabat The secret, Pada Artikel yang anda baca kali ini dengan judul Desember 2014, kami telah mempersiapkan artikel ini dengan baik untuk anda baca dan ambil informasi didalamnya. mudah-mudahan isi postingan yang kami tulis ini dapat anda pahami. baiklah, selamat membaca.

Judul : Another 1000 Words and Ten Charts on First-generation, Low-income, and Minority Students
link : Another 1000 Words and Ten Charts on First-generation, Low-income, and Minority Students

Baca juga


Desember 2014

I have always enjoyed writing, and I consider this and my other blog like a hobby.  Usually, I spend no more than 45 minutes on any post, as I don't make my living by writing, and my blogs are not "monetized." But once in a while, an opportunity presents itself to write for a wider audience, and that's when I see what it takes to make a living putting words to paper. That happened this week.

You may have seen my opinion piece in the Chronicle of Higher Education. If not, you can read it first, read it last, or not at all; I think both this and that stand alone, despite their relationship.  In the end, we ended up with about 40% of my first draft, which is what happens when you write for a print publication. And of course, a print publication makes interactive charts, well, difficult.

I think there is more to say on the topic, because the similarities in recruitment challenges for first-generation, low-income, and minority students tend to look a lot alike, and the more data you look at, the clearer this all becomes. So I took what I had pulled together to research and write the CHE piece, formatted it for this blog, and put it here with the understanding I'd not publish until the Chronicle piece was online.

Frankly, this topic is a little bit personal for me.  My parents, born on farms in Iowa in 1916 and 1917, were among those who never attended high school, let alone college; of their four children, I'm the only one with a college degree. So I was a quintessential first-generation college student, and as I wrote on my other blog, my father made $17,000 in his best year, (or about $48,000 today's dollars) which would qualify us as low-income by most standards. In fact, I've always pointed to those factors as powerful influences in my choice of a profession.

I think the story is an interesting one, and I hope you'll stick with it to the end.

Point 1: The challenge of increasing attainment is not a new one, and America has made considerable progress in the past on this front. Consider this mind-blowing statistic: In 1940, about 60% of adults, like my parents, didn't make it past 8th grade. A lot of that generation who lived through the Depression and World War II sent their kids to college in large numbers in the 1960's and 1970's, increasing attainment rates dramatically.

The first chart here is very detailed and interactive, and the second is very simple, but they are based on and show the same data.

With all the charts, hover over a data point for details.






Point 2: Is education inherited?  That is, does it get passed on from parents to students like silverware and pocket watches?  Some data from the Brookings Institution suggests so: If your parents are educated, you're likely to be, and if they're not, the same is probably true of you. Anyone who's done admissions understands there is a cultural component and a context sensitivity that are important when recruiting first-generation students. Students whose parents have never been to college don't navigate the process as well as those who do.

To read this chart, look at each column, representing the educational attainment of fathers, from low on the left, to high on the right.  Each column adds to 100 or so (rounding errors) and the boxes represent where 100 children of fathers with this level of education end up in the educational attainment spectrum. The children of fathers with lower attainment end up near the bottom in greater numbers; the children of well educated fathers end up near the top (blue boxes are higher numbers). Orange boxes (low numbers) show up when we see how many children move in either direction; gray boxes are numbers in the middle.

Feel free to argue nature, nurture, or systematic issues here.  We like to think education is based on meritocracy; in fact, it may be an "inheritocracy."



Point 3: If education is inherited, this presents a problem that affects students of color, because African-American and Hispanic students are less likely to live in homes where a parent has a bachelor's degree.  Thus, they cannot "inherit" educational attainment. So ethnicity = attainment, to a large degree.




Point 4: And not surprisingly, college attendance rates already vary dramatically by both income:




And by ethnicity:


So income = ethnicity and ethnicity = attainment and attainment leads to attainment. (And I use the term "equals" pretty liberally here, of course.  It's obvious that nothing is destiny.)

Point 5: There is also the issue of affordability: Students of color tend to come from families with lower income levels. And I doubt we need a chart to demonstrate the relationship between parental education and family income.  But it may be that believing you can't afford a college education, accomplishment notwithstanding, may be the biggest barrier to educational attainment we have.



On one of the criteria that is weighted heavily in admissions, standardized test scores, students of color and low-income students tend to score lower.  If colleges and universities are serious about enrolling more first-generation students, low-income students, or students of color, they need to take a serious look at the weight of tests in the admissions process, and the extent to which they let the public judge them on freshman test scores.  While I'm generally agnostic about the US News and World Report rankings and the pursuit of them, this is the one area where I believe criticism is justified.

The 50 boxes for each ethnicity (five test score bands by ten income levels) are colored to show the percent of total by ethnicity, and those values add up to 100. Blue values are higher, and orange values are lower.  So you notice that the bluest box for African-American and Hispanic students is in the lower left corner (low income, low scores); for Asian and Caucasian, it's near the upper right (high income, high scores).  Hover over any box for details; this is from ACT EIS Data for 2010 and is created by compiling spreadsheets extracted from the software.


Of course, no one believes that being Hispanic or poor is the direct cause of lower attainment on standardized tests. Many believe the lower scores are proxy values for opportunity, and there are many who believe that standardized tests simply reflect the accumulation of social capital throughout a child's lifetime.  And much of the social capital necessary to be admitted to college comes with wealth and parental attainment.

Point 6: And finally, I offer these two charts.  First, the relationship between freshman test scores, ethnicity and Pell at American Colleges and Universities. You can look at private and/or public by using the filter, but regardless, you can see the relationships played out: In general, the higher your freshman class SAT, the lower the percentage of freshmen on Pell, and the less diverse you are. Thus, when we ask universities to be "excellent" and we define "excellence" by input variables like SAT or ACT scores and selectivity, this is what we're left with: Colleges who want to do the right thing have to act counter to their own interests.


And this: The relationship between institutional wealth and economic profile of the freshman class. You can click here to read the blog post when I originally published it, if you'd like.




So, I hope the points and the patterns in them are obvious: When we talk about increasing college attendance among first-generation, low-income, and minority students we're really talking about the same thing.  And all those factors pull, unintentionally, against the very things many colleges and universities strive to achieve.  It will take some very brave institutions at the top of the food chain to break out of the pack and move us collectively in the right direction.

I think it's a vicious circle of our own doing. What do you think?





Senin, 15 Desember 2014

Looking at Student Loan Default Rates

Student Loan defaults make a lot of news, but there is not a lot of understanding about what a default actually is, and there is not good, easily accessible data on default rates, nor a lot of good contextual analysis.  But this may help a little.

First, the source of the data is here.  You should read it, especially  the part about small numbers of students entering payment, or small percentages of students taking loans at a college skewing default rates.  You should also know that the definition of a default is being at least 270 days behind on a payment.

This is not the easiest data to work with.  For one thing, the file layout descriptions don't match the file; Financial Aid uses a different ID than IPEDS, and the crosswalk tables that might help you figure out the IPEDS ID (to get a richer view of context) use a different format than this table does. In addition the "Region" doesn't roll up the states in any way I've seen before, and the "Program Type" also puts colleges in categories that don't always make sense.  For most four-year institutions, try "Traditional" first in the selector box.

But here it is.

If you want to eliminate the small schools that skew things, you can use the "Borrowers Entering Repayment 2009--11" filter.  You can just type the ranges in the boxes and hit enter, or use the sliders.  You can also limit to states or region, in any combination.

A reminder that outputs are sometimes actually inputs.  If you enroll high ability, wealthy students, and are very selective in admissions, your default rates are going to be lower than other institutions that take more chances on students who come from low-income or less-prepared backgrounds.  It would be great if there were a way to recognize the institutions with lower default rates who took more risks.

What jumps out at you?



Desember 2014 - Hallo sahabat The secret, Pada Artikel yang anda baca kali ini dengan judul Desember 2014, kami telah mempersiapkan artikel ini dengan baik untuk anda baca dan ambil informasi didalamnya. mudah-mudahan isi postingan yang kami tulis ini dapat anda pahami. baiklah, selamat membaca.

Judul : Looking at Student Loan Default Rates
link : Looking at Student Loan Default Rates

Baca juga


Desember 2014

Student Loan defaults make a lot of news, but there is not a lot of understanding about what a default actually is, and there is not good, easily accessible data on default rates, nor a lot of good contextual analysis.  But this may help a little.

First, the source of the data is here.  You should read it, especially  the part about small numbers of students entering payment, or small percentages of students taking loans at a college skewing default rates.  You should also know that the definition of a default is being at least 270 days behind on a payment.

This is not the easiest data to work with.  For one thing, the file layout descriptions don't match the file; Financial Aid uses a different ID than IPEDS, and the crosswalk tables that might help you figure out the IPEDS ID (to get a richer view of context) use a different format than this table does. In addition the "Region" doesn't roll up the states in any way I've seen before, and the "Program Type" also puts colleges in categories that don't always make sense.  For most four-year institutions, try "Traditional" first in the selector box.

But here it is.

If you want to eliminate the small schools that skew things, you can use the "Borrowers Entering Repayment 2009--11" filter.  You can just type the ranges in the boxes and hit enter, or use the sliders.  You can also limit to states or region, in any combination.

A reminder that outputs are sometimes actually inputs.  If you enroll high ability, wealthy students, and are very selective in admissions, your default rates are going to be lower than other institutions that take more chances on students who come from low-income or less-prepared backgrounds.  It would be great if there were a way to recognize the institutions with lower default rates who took more risks.

What jumps out at you?



Rabu, 10 Desember 2014

Faber-Castell Watercolour Pencil

Omg!!!! I just want to tell you that last week, I received my early Christmas present from my boyfriend. Tenen!!! It's a color pencil!!!! But the best part of it is, it's a WATERCOLOUR PENCIL. Gahhd!!! I was gasping for breath when he gave it to me. LOL!!! 
tutorial watercolour pencil by faber-castell sexyfoosa sample drawings
Faber-Castell's watercolour pencil 48's  for P679.95 (with brush and sharpener)

I'm so happy that I can finally refresh my art skills after abandoning it 10 years ago due to very tight schedule. I was planning of making fashion illustrations and draw lots of cute subjects like my pets. Anyway, I will share to all of you my work and feel free to use it. Just please don't remove my name on it and claim it as your own. I'm thinking that you can use it as a wall decoration or a cute card.

Anyway, may I present to you my humble art. I'm not claiming to be the best artist in the whole world. I just love to draw anything that pleases me. Lol!

persian cat art watercolour by kenneth cajote free use
Don't Disturb

german shepherd dog in watercolor pencil by kenneth cajote free use
Rosey Shepherd


Wondering on how the watercolor pencil works? Check this video tutorial here. 
Desember 2014 - Hallo sahabat The secret, Pada Artikel yang anda baca kali ini dengan judul Desember 2014, kami telah mempersiapkan artikel ini dengan baik untuk anda baca dan ambil informasi didalamnya. mudah-mudahan isi postingan Artikel faber-castell watercolour pencil, Artikel free download, Artikel free use, Artikel watercolor, yang kami tulis ini dapat anda pahami. baiklah, selamat membaca.

Judul : Faber-Castell Watercolour Pencil
link : Faber-Castell Watercolour Pencil

Baca juga


Desember 2014

Omg!!!! I just want to tell you that last week, I received my early Christmas present from my boyfriend. Tenen!!! It's a color pencil!!!! But the best part of it is, it's a WATERCOLOUR PENCIL. Gahhd!!! I was gasping for breath when he gave it to me. LOL!!! 
tutorial watercolour pencil by faber-castell sexyfoosa sample drawings
Faber-Castell's watercolour pencil 48's  for P679.95 (with brush and sharpener)

I'm so happy that I can finally refresh my art skills after abandoning it 10 years ago due to very tight schedule. I was planning of making fashion illustrations and draw lots of cute subjects like my pets. Anyway, I will share to all of you my work and feel free to use it. Just please don't remove my name on it and claim it as your own. I'm thinking that you can use it as a wall decoration or a cute card.

Anyway, may I present to you my humble art. I'm not claiming to be the best artist in the whole world. I just love to draw anything that pleases me. Lol!

persian cat art watercolour by kenneth cajote free use
Don't Disturb

german shepherd dog in watercolor pencil by kenneth cajote free use
Rosey Shepherd


Wondering on how the watercolor pencil works? Check this video tutorial here. 

Rabu, 03 Desember 2014

Another Super Typhoon For The Philippines

I came to know this news 2 days ago and it's worrying the heck out of me. The forecast by PAGASA made me more worried since their predictions aren't accurate. I hope they will release the designated storm signals soon as this would be a great aid on what to do next. I know we must always be prepared no matter what signal we'll be in, at least, we'll know our standing. The sad thing is, PAGASA's website is currently down maybe due to thousands of visitors visiting the page. As I'm writing this post, I can feel the wind shifted and the sun is slowly covered by dark clouds. I guess the super typhoon will land very soon. For now, all we need to do is to give our silent prayer that somehow, our loved ones will be safe and this country can once again stand this test of nature. Keep safe Philippines!!! 

Imagine the wind speed...gif image from ssd

Here are the 10 important things to check before, during and after a super typhoon:

1. Inform your family, friends, loved ones and the like about the storm.
2. Always check updates from reliable weather and news forecast. (TV, Radio, Facebook, etc.)
3. Have an emergency exit plan.The inside of your home is not always safe (unplug appliances and stay away from glass windows). Ask friends or relatives for help. Find a safe place (somewhere elevated and of sturdy materials).
4. Evacuate as soon as possible when necessary esp. those people living near the coastal areas or big body of waters, areas with high risked of flash floods, landslides and surrounded with trees.
5. Check basic emergency supplies like water, instant foods (noodles, biscuits, candies, canned goods, etc.), batteries, ziploc bags (place important documents and gadgets inside), blankets, clothes, candles,matches, lighters, fire starters, flashlights, first aid kit, mosquito prevention, floating life saving device and ways of communication.
5. Check your pets safety too and their needs. (ID tags, cage, leash, mouth guard, waste disposal supplies and the like)
6. Check special items for infants like diapers, baby food, and the like.
7. Always prepare basic tools like swiss knives, screwdrivers, hammer, scissors, cutters, and some kitchen tools and utensils.
8. Elderly, disabled, sick and pregnant family member's needs must always be ready (e.g. oxygen supply, wheelchairs, etc.)
9. Always remain calm but always be alert from possible intruders, looters, or other similar situation during and after a typhoon.
10. Prayers and hope that all our loved ones are all safe. Properties may be lost and found but the lives of our loved ones can't be replaced anymore. 

UPDATES:
'Ruby/Hagupit' no longer a 'super typhoon' - Read Here!!!
as of December 5, 2014, 4:00 pm


as of December 05, 2014 11:13 pm
#KEEPSAFEPHILIPPINES 
#PRAYERSFORTHEPHILIPPINES
#SUPERTYPHOONRUBY
#HAGUPIT
#RUBYPH














Desember 2014 - Hallo sahabat The secret, Pada Artikel yang anda baca kali ini dengan judul Desember 2014, kami telah mempersiapkan artikel ini dengan baik untuk anda baca dan ambil informasi didalamnya. mudah-mudahan isi postingan Artikel bagyong hagupit, Artikel philippines, Artikel prayforthephilippines, Artikel satellite image, Artikel super typhoon, Artikel super typhoon hagupit, Artikel super typhoon ruby, yang kami tulis ini dapat anda pahami. baiklah, selamat membaca.

Judul : Another Super Typhoon For The Philippines
link : Another Super Typhoon For The Philippines

Baca juga


Desember 2014

I came to know this news 2 days ago and it's worrying the heck out of me. The forecast by PAGASA made me more worried since their predictions aren't accurate. I hope they will release the designated storm signals soon as this would be a great aid on what to do next. I know we must always be prepared no matter what signal we'll be in, at least, we'll know our standing. The sad thing is, PAGASA's website is currently down maybe due to thousands of visitors visiting the page. As I'm writing this post, I can feel the wind shifted and the sun is slowly covered by dark clouds. I guess the super typhoon will land very soon. For now, all we need to do is to give our silent prayer that somehow, our loved ones will be safe and this country can once again stand this test of nature. Keep safe Philippines!!! 

Imagine the wind speed...gif image from ssd

Here are the 10 important things to check before, during and after a super typhoon:

1. Inform your family, friends, loved ones and the like about the storm.
2. Always check updates from reliable weather and news forecast. (TV, Radio, Facebook, etc.)
3. Have an emergency exit plan.The inside of your home is not always safe (unplug appliances and stay away from glass windows). Ask friends or relatives for help. Find a safe place (somewhere elevated and of sturdy materials).
4. Evacuate as soon as possible when necessary esp. those people living near the coastal areas or big body of waters, areas with high risked of flash floods, landslides and surrounded with trees.
5. Check basic emergency supplies like water, instant foods (noodles, biscuits, candies, canned goods, etc.), batteries, ziploc bags (place important documents and gadgets inside), blankets, clothes, candles,matches, lighters, fire starters, flashlights, first aid kit, mosquito prevention, floating life saving device and ways of communication.
5. Check your pets safety too and their needs. (ID tags, cage, leash, mouth guard, waste disposal supplies and the like)
6. Check special items for infants like diapers, baby food, and the like.
7. Always prepare basic tools like swiss knives, screwdrivers, hammer, scissors, cutters, and some kitchen tools and utensils.
8. Elderly, disabled, sick and pregnant family member's needs must always be ready (e.g. oxygen supply, wheelchairs, etc.)
9. Always remain calm but always be alert from possible intruders, looters, or other similar situation during and after a typhoon.
10. Prayers and hope that all our loved ones are all safe. Properties may be lost and found but the lives of our loved ones can't be replaced anymore. 

UPDATES:
'Ruby/Hagupit' no longer a 'super typhoon' - Read Here!!!
as of December 5, 2014, 4:00 pm


as of December 05, 2014 11:13 pm
#KEEPSAFEPHILIPPINES 
#PRAYERSFORTHEPHILIPPINES
#SUPERTYPHOONRUBY
#HAGUPIT
#RUBYPH














Selasa, 02 Desember 2014

The 10 Ugly Fashion Trends

This post is a list of all time totally ugly, outrageous, weird, terrible, shocking, and all other similar adjectives to describe these fashion trends. Now brace yourself ladies and gentlemen and contemplate on these things and tell me in the comment section what your thoughts about it. Good and bad reactions will be respected. XOXO.

1. The super chunky nail art - How can we ever work effectively with these nails? How can we eat, pick things up or even go to the comfort room with these nails? Totally outrageous! Anyway, this nail  art is more likely for display purposes. 


2. Big Fashion Contact Lens - I've seen a lot of people wearing fashion contact lens esp. Asians who wants to have an illusion of bigger eyes but the downside of this trend is, these lenses aren't doctor prescribed. Most of them don't have an idea what can these contact lenses can do to their delicate eyes. Only wear contact lenses prescribed by the eye doctor and don't just buy them from the black market. Always invest on your health first before else. 
Sample Image of Contact Lens Infection

3. Odd Shaped Shoes - Lady Gaga's fashion statement shoes are not for everybody. Aside from it's totally weird looking but the thing itself is dangerous. It may cause serious damage to your feet or may cause an accident and break your bones. These kind of shoes can't be worn for regular or ordinary person like us. Let's just leave it to the elite fashion world. LOL!

Alexander McQueen's Armadillo Heel Shoes
No heels platform shoes

3. Regular Crocs - I love the material used by Crocs but the regular Crocs design is just unflattering to your feet. It looks like a boat and a mascot's feet. Good thing, they've come up with new cute designs now. 
 motivated photos
icanhascheezburger

4. Ranger Hat - Good heavens! This fashion trend is absolutely unforgivable. Good thing, I haven't seen anyone wore this hat but Pharell Williams. He seems to be carrying a mountain on his head. LOL!
5. Harem/ Crotch Pants - This Justin Bieber fashion trend is really something vulgar. I can't understand why do these kids wants to expose their underwears? It's better they don't wear pants at all and just walk with their boxers alone in public. For women, the harem pants does not complement everybody's body type. It's not only totally unflattering to a woman's figure but it will make you look like you're wearing a soiled pajama. 

6. Converse/Chuck Taylor Sneakers Converted to Sandals - Really? Converse did this kind of conversion to their famous shoe design? I'm a bit pessimistic about this thing right here since I can't find these designs on their official websites or I'm just ignorant on this. The thing is, these designs are again not for everybody. I've seen one person wearing this and she's not long-legged and it really made her calf looked really wide (It almost look like a chopping board). I'm so sorry but this is not for you if you have wide calves right there. 

7. Cartilage Piercings - The sight of this trend makes me cringe. Is this a sign of braveness or something? I just don't get it...it looks horrible. Please don't ever do this to your body if you're not 100% sure 'coz you'll definitely regret this in the future. Blame only yourself and nobody else. 

8. Short Shorts - If you don't have nice toned legs please don't wear this short. This is not for everybody's body type. Please dress appropriately in public or if you really like to wear this, please tie an oversize shirt at the back. 

9. Teeth Grills - These teeth blings are ostentatious way for showing off wealth and it makes them look like they have tooth cavities or worst, toothless. 

10. Thigh Gaps - Believe it or not, I was once swayed by this trend and later on I came to realize that this fashion trend is harmful to our well-being. The skinny body (anorexic) fashion trend must be addressed seriously. Not having a thigh gap doesn't mean you're fat. A normal thigh gap must not be achieved through extreme dieting and exercise but it's according to your own body's proportion. Some are naturally blessed to have a thigh gap and some are not. The point of forcing yourself to have a thigh gap and in the course of achieving it, you go to extreme dieting and exercise is a terrible obsession. Read More about this topic here. 

Desember 2014 - Hallo sahabat The secret, Pada Artikel yang anda baca kali ini dengan judul Desember 2014, kami telah mempersiapkan artikel ini dengan baik untuk anda baca dan ambil informasi didalamnya. mudah-mudahan isi postingan Artikel fashion, Artikel funny, Artikel odd, Artikel outrageous fashion, Artikel silly, Artikel skinny, Artikel teeth grills, Artikel thigh gaps, Artikel ugly fashion trends, Artikel unflattering, Artikel weird, yang kami tulis ini dapat anda pahami. baiklah, selamat membaca.

Judul : The 10 Ugly Fashion Trends
link : The 10 Ugly Fashion Trends

Baca juga


Desember 2014

This post is a list of all time totally ugly, outrageous, weird, terrible, shocking, and all other similar adjectives to describe these fashion trends. Now brace yourself ladies and gentlemen and contemplate on these things and tell me in the comment section what your thoughts about it. Good and bad reactions will be respected. XOXO.

1. The super chunky nail art - How can we ever work effectively with these nails? How can we eat, pick things up or even go to the comfort room with these nails? Totally outrageous! Anyway, this nail  art is more likely for display purposes. 


2. Big Fashion Contact Lens - I've seen a lot of people wearing fashion contact lens esp. Asians who wants to have an illusion of bigger eyes but the downside of this trend is, these lenses aren't doctor prescribed. Most of them don't have an idea what can these contact lenses can do to their delicate eyes. Only wear contact lenses prescribed by the eye doctor and don't just buy them from the black market. Always invest on your health first before else. 
Sample Image of Contact Lens Infection

3. Odd Shaped Shoes - Lady Gaga's fashion statement shoes are not for everybody. Aside from it's totally weird looking but the thing itself is dangerous. It may cause serious damage to your feet or may cause an accident and break your bones. These kind of shoes can't be worn for regular or ordinary person like us. Let's just leave it to the elite fashion world. LOL!

Alexander McQueen's Armadillo Heel Shoes
No heels platform shoes

3. Regular Crocs - I love the material used by Crocs but the regular Crocs design is just unflattering to your feet. It looks like a boat and a mascot's feet. Good thing, they've come up with new cute designs now. 
 motivated photos
icanhascheezburger

4. Ranger Hat - Good heavens! This fashion trend is absolutely unforgivable. Good thing, I haven't seen anyone wore this hat but Pharell Williams. He seems to be carrying a mountain on his head. LOL!
5. Harem/ Crotch Pants - This Justin Bieber fashion trend is really something vulgar. I can't understand why do these kids wants to expose their underwears? It's better they don't wear pants at all and just walk with their boxers alone in public. For women, the harem pants does not complement everybody's body type. It's not only totally unflattering to a woman's figure but it will make you look like you're wearing a soiled pajama. 

6. Converse/Chuck Taylor Sneakers Converted to Sandals - Really? Converse did this kind of conversion to their famous shoe design? I'm a bit pessimistic about this thing right here since I can't find these designs on their official websites or I'm just ignorant on this. The thing is, these designs are again not for everybody. I've seen one person wearing this and she's not long-legged and it really made her calf looked really wide (It almost look like a chopping board). I'm so sorry but this is not for you if you have wide calves right there. 

7. Cartilage Piercings - The sight of this trend makes me cringe. Is this a sign of braveness or something? I just don't get it...it looks horrible. Please don't ever do this to your body if you're not 100% sure 'coz you'll definitely regret this in the future. Blame only yourself and nobody else. 

8. Short Shorts - If you don't have nice toned legs please don't wear this short. This is not for everybody's body type. Please dress appropriately in public or if you really like to wear this, please tie an oversize shirt at the back. 

9. Teeth Grills - These teeth blings are ostentatious way for showing off wealth and it makes them look like they have tooth cavities or worst, toothless. 

10. Thigh Gaps - Believe it or not, I was once swayed by this trend and later on I came to realize that this fashion trend is harmful to our well-being. The skinny body (anorexic) fashion trend must be addressed seriously. Not having a thigh gap doesn't mean you're fat. A normal thigh gap must not be achieved through extreme dieting and exercise but it's according to your own body's proportion. Some are naturally blessed to have a thigh gap and some are not. The point of forcing yourself to have a thigh gap and in the course of achieving it, you go to extreme dieting and exercise is a terrible obsession. Read More about this topic here. 

Senin, 01 Desember 2014

10 Signs Why Your Classmates Hate You

Here are ten (10) points to keep on track from being an ideal candidate on whom your classmates would mostly likely to hate. This don't happen in school alone but in every group. But let's stick to the school situation since bullying is most likely to be prevalent.

1. The Regular - There my friend, your classmates are planning to cut classes or mass absent and you appear in class alone and your teacher is really pissed and punished the class with a very long quiz.

2. The Whistleblower  - You will divulge whatever it is going on with your classmates lives. Your classmate told you she will attend her best friend's wedding and asked you to make an excuse for her that she's sick but you told your teacher the truth instead, making it appear that her class is unimportant.

3. The Extender - Okay! Majority of the class has finally came up with the fix schedule of the exam and you keep on opposing it by telling them you are not free at that time. 


4. The Charmer - Isn't just annoying to watch your pretty or cute classmates were not fried during their oral recitations because the teacher likes them based on how they look? This is true if your teacher is a notorious chick boy or  gay. 


5. The Volunteer - When your teacher ask a question and ask for a volunteer to answer the question and you keep throwing your hands up even though you've already been called. 

6. The Overachiever - Your classmate keep on telling everybody that he did not study but when the results came up, that classmate of yours got the highest grade or the only one who passed the exam. 

7. The Inquisitor - Everybody just want the teacher to finish the chapter for the week but one classmate of yours keep on asking out of topic questions and the teacher annoyingly answers it, the bell rang, and reading assignment is extended. 

8. The Greedy - During exams, your paper is in maximum security or when your classmates asked for answers, you ignore them. 

9. The Wanker - Women just hate being stared at even if it's a compliment. Keep those flirty compliments you got in there to avoid being misjudged as a sex maniac.

10. The Facebook Whore - Your life is open in public and it's always updated in Facebook. You announce your new gadgets, what you eat, your outfit, your religious and political thoughts, your lovelife, your mood, EVERYTHING! I guess it's better to only add Facebook friends and people you've known well. It's difficult to please everybody and it's impossible.


Desember 2014 - Hallo sahabat The secret, Pada Artikel yang anda baca kali ini dengan judul Desember 2014, kami telah mempersiapkan artikel ini dengan baik untuk anda baca dan ambil informasi didalamnya. mudah-mudahan isi postingan Artikel annoying, Artikel behavior problems, Artikel classmates hate you, Artikel college, Artikel facebook, Artikel funny gif, Artikel in law school, Artikel judgmental, Artikel law school problem, Artikel school problem, yang kami tulis ini dapat anda pahami. baiklah, selamat membaca.

Judul : 10 Signs Why Your Classmates Hate You
link : 10 Signs Why Your Classmates Hate You

Baca juga


Desember 2014

Here are ten (10) points to keep on track from being an ideal candidate on whom your classmates would mostly likely to hate. This don't happen in school alone but in every group. But let's stick to the school situation since bullying is most likely to be prevalent.

1. The Regular - There my friend, your classmates are planning to cut classes or mass absent and you appear in class alone and your teacher is really pissed and punished the class with a very long quiz.

2. The Whistleblower  - You will divulge whatever it is going on with your classmates lives. Your classmate told you she will attend her best friend's wedding and asked you to make an excuse for her that she's sick but you told your teacher the truth instead, making it appear that her class is unimportant.

3. The Extender - Okay! Majority of the class has finally came up with the fix schedule of the exam and you keep on opposing it by telling them you are not free at that time. 


4. The Charmer - Isn't just annoying to watch your pretty or cute classmates were not fried during their oral recitations because the teacher likes them based on how they look? This is true if your teacher is a notorious chick boy or  gay. 


5. The Volunteer - When your teacher ask a question and ask for a volunteer to answer the question and you keep throwing your hands up even though you've already been called. 

6. The Overachiever - Your classmate keep on telling everybody that he did not study but when the results came up, that classmate of yours got the highest grade or the only one who passed the exam. 

7. The Inquisitor - Everybody just want the teacher to finish the chapter for the week but one classmate of yours keep on asking out of topic questions and the teacher annoyingly answers it, the bell rang, and reading assignment is extended. 

8. The Greedy - During exams, your paper is in maximum security or when your classmates asked for answers, you ignore them. 

9. The Wanker - Women just hate being stared at even if it's a compliment. Keep those flirty compliments you got in there to avoid being misjudged as a sex maniac.

10. The Facebook Whore - Your life is open in public and it's always updated in Facebook. You announce your new gadgets, what you eat, your outfit, your religious and political thoughts, your lovelife, your mood, EVERYTHING! I guess it's better to only add Facebook friends and people you've known well. It's difficult to please everybody and it's impossible.