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UPDATE on current Mortgage Rates! Rates are starting to creep back up, they won't stay low forever.
Conventional 30 year Mortgage: 2.875%
Credit score:740
LTV:75%
Loan Amount:$300k
APR: 2.995%
FHA 30 year: 2.75%
Credit Score:740
LTV:96.5%
loan amount:$300k
APR: 3.31%
Conventional 15 year: 2.125%
Credit score:740
LTV:75%
Loan Amount:$300k
APR: 2.24%
Rates are Subject to Change
【緊急呼籲：全球聲援泰國抗爭者 呼籲泰國皇室推行政治改革】
【Please scroll down for English version】
10月16日，過萬名泰國示威者聚集在曼谷市中心參與尋求政治改革的民主抗爭。泰國警方卻出動水炮車，暴力驅散和平的示威者。我們強烈譴責泰國政府漠視人民訴求，並呼籲有關當局保持克制，以真正的政治改革取代無休止的戒嚴惡法和政治檢控。
由七月開始的學生運動，令全球目光重新留意自1932年起，宗教、國王、政治三位一體的泰國。在面對政權強行地解散「未來前進黨」丶剝奪部分議員當選資格、限制部份民主派人士不能組織政黨，並懷疑涉及流亡異見人士的「被失蹤」事件，我們強調政權有責任保持克制，而我們絕對站在抗爭者的一方，贊成泰國人民的訴求，包括但不限於解散國會丶停止威脅人民丶釋放被拘捕人士和制定新憲法。儘管我們相信任何地方都有行使宗教自由的權利，但政權卻不能以此為理由，試圖推翻啟蒙運動以來所強調的自由和平等思想，重用像中世紀落伍的思維，用不同的教義和皇權為藉口實行暴政統治，藐視人民的自由丶尊嚴和基本公民權利。
自上世紀第三波民主化以來，全球各地仍然充滿着不民主的威權國家。這些國家更有死灰復燃之勢，嚴重侵害我們所相信的民主價值。過去一年，世界各地包括香港丶台灣丶白俄羅斯等熱愛民主自由的人，都見證了一次又一次的人民如何覺醒，並繼續追求全面民主化的改革之路。
我們深信民主改革的浪潮定會戰勝黑暗，也希望各位能夠一起起義對抗暴政，聲援泰國人民，聲援所有自由人。
就讓獨裁在我們這一代結束。
張崑陽 羅冠聰
全球聯署連結: http://chng.it/KVz8msP9Fh
【Emergency: Global Support for Thai Protests The Thai Monarch must undergo imminent reforms】
On 16th Oct, over ten thousand protestors rallied in the city center of Bangkok under the banner of pro-democratic reforms. The Thai police force responded with water-cannon trucks in a violent crackdown over peaceful protests. We condemn the Thai Government for its contempt and disrespect of the appeal from the Thai people. We call on the Government to exercise self-restraint and to advance substantial political reforms in lieu of relentless political prosecutions under inhumane laws.
Ever since July, the Student Movement had attracted global scrutiny on Thailand. A country who had upheld a trinity of nation, religion and king since 1932. The Future Forward Party was dissolved by force. Legislators had been disqualified and pro-democracy figures had been forbidden to form political parties. The Government is also suspected of puppeteering the disappearance of dissenting figures, whether or not they are in-exile. We believe that the Thai Government ought to exercise self-restraint on these infringement of rights and liberties as well. We stand in solidarity with Thai protestors, in support of their demands including but not limited to the dissolution of the Parliament, to stop ruling with terror, to release all detainees and to lay down a new constitution.
Universal religious freedom does not serve as a basis for the state to undermine and overturn the essential thoughts of peace and freedom, which are endemic to the Enlightenment. The claim by a totalitarian regime based on the divine right to rule can be interpreted as a revival of an obsolete thinking, which should have been left in medieval times. It is no excuse to repress the many freedoms the people are entitled to, as well as their dignity as human beings and the fundamental civil liberties and rights.
A great number of undemocratic authoritarian regimes had survived or sprouted after the third wave of democratization, dating back from the last century. There is indeed a new surge of authoritarian states which devours the values of democracy we hold so dearly. The year of 2019 marks a crusade of peace-loving, democratic protestors risking their all to motivate change, in hope that their homelands will embrace reforms and undergo genuine democratization. The people have spoken, from Hong Kong to Taiwan, to Belarus and many more.
We believe the wind of change is inevitable. Democracy shall prevail over the authoritarian regimes that creep in shadows. We call on every freeman to voice out against tyranny, as of duty and belief.
Democracy now.
Sunny Cheung Nathan Law
Petition Link: http://chng.it/KVz8msP9Fh
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Jika ada sesiapa di antara kita atau ahli keluarga kita yang ditakdirkan nanti ditahan di wad hospital..Sebelum keluar dr hospital bacalah ayat matsurath atau ayat qursi lalu kita hembus kiri, kanan, dpn & blkg sblm pulang ke rumah. Amalkanlah. Kita tak tahu apa yg mengikut kita pulang. Yg mnjadi mangsa ialah anak2 kita
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“Bila Aku Masuk Ke Dalam Wad, Tengok Kat Atas Siling, Banyaknya Makhluk Merayap!" April 19, 2017
....
Continue ReadingIf anyone of us or our family member is destined to be arrested in the hospital ward.. Before leaving the hospital read the sentence of matsurath or qursi sentence then we will blow left, right, front and back before going home. Practice it. We don't know what follows us home. The victim is our children
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′′ When I Get In The Ward, Look At The Ceiling, Many Creatures Creep!" April 19, 2017
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I want to share my experience while I'm in the hospital. This is from the glasses of a person with a close eye.
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When I enter the hospital ward, my sepet eyes will surely look around the top and bottom because of too many creatures that cannot be seen with rough eyes. I'm not meant to scare anyone, but that's the experience of a sepet eye
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CASE ONE * 1 ⃣
I walked into the ward of 3th grade of Big Hospital ***** ******. When I looked at the ceiling, so many creatures creep. There is a round eye, long eye, long eye, long ear, there is a horny face. They seem to wait for the moment to jump down.
At the end, I saw a man walk holding his own head. Blood shredded out of his neck. Nurses and doctors as usual do their responsibilities.
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I'm the only one who sometimes sees under the patient's bed, the dead body is sleeping underneath it. A child pulls his mother's hand as his finger points to the board under the bed. The mother's mad at her child.
Next time mothers who have children like this, believe me they can see what others can't see with rough eyes.
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CASE TWO * 2 ⃣
I see so many people coming to visit their sick family members during visiting time. A woman looks like her way so slow. On top of it there is a monkey on the ground and his eyes are reddish. When I told my wife, she kept silent. I keep reading the Quran verse and then I blow into the creature.
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The creature fell down and the woman was swollen before being held by her family who thought she would be dead or unwell. The creature woke up and his face looks so angry. He knows who the owner is that caused him to fall. Her eyes look right towards me.
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I read the qursi verse and exhale once again, it disappears.
′′ Laa, why did you blow it?
In a while the ward will be noisy,"
Greet the wife when I tell her back. It's true, I'm just speechless. That's my attitude to see anyone carrying a supernatural that he doesn't know. I'll make it from afar and sometimes I'm being attacked when I fall asleep.
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CASE THREE * 3 ⃣
While I saw a crowd surround a man, apparently he is on the verge of death.
Kids are busy with handphones, call here. Might be telling relatives about their father's news.
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The busiest thing is the creature with long ears, long horns disturbing the man. At this moment we should whisper Laaila Haillallah's sentence to her. We teach him that sentence.
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Not what we see and say to dad," Dad, say dad. Saying..." while sobbing. If we love them, we help them now.
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Caring for mobile phone, whisper in his ear Laaila haillallah. At that moment his eyes just look up. He was disturbed actually.
If we love dads and moms when they are almost around it doesn't matter if boys or girls teach your parents. That's our love for them. Don't just look and cry.
Sometimes if I visit, I will advise and teach children about this word. Let them end it with a good finish.
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CASE FOUR * 4 ⃣
Once I went to the morgue to ask for a mother's death letter. I see some creatures standing near the coffin. I'm just not sure if the fridge belongs to them. They dress as usual as we see in humans. There are also ugly faces, but the face is broken, the tongue is wiped out. Quickly I found the mailing out and went straight to his office.
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Case FIVE * 5 ⃣
I went to the heart ward while visiting my mother in law. A nurse is so diligent in helping the patient.
But without him realizing he was following something. Long hairstyles walk behind her.
Where ever the nurse went she'll follow. His eyes just look down. Sometimes her hair will get stuck on the nurse's shoulder and I see the nurse swollen as if she's itchy. I can only see without doing anything to the nurse. It's normal when working in the hospital. That's why it's best for us to practice the verse of Al Matsur
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Before going out of the hospital we read the matsurat sentence or qursi sentence then we blow left, right, front and back before going home. Practice it.
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We don't know what follows us home. The victim is our children.
.
Credit: Ariff Budiman Zainal Abidin.Translated
More Info: http://bit.ly/3in1transformation
It is hard to lose weight. Eighty percent of people who lose weight regain it within a year. Many of those people may have done everything right, only to see the number on the scale creep back up in defiance. There’s a reason for that. Your brain doesn’t want you to lose weight, and it throws everything it can at the problem to keep it from happening.
Drop It Like It’s Not:
Your body doesn’t like change. Take temperature, for instance. If your body temperature goes even a degree or two above or below good of 98.6 degrees Fahrenheit (37 degrees Celsius), all sorts of systems kick into gear to put you back at baseline. If you’re hot, your capillaries expand to let off heat and you begin to sweat to cool yourself down. If you’re cold, your capillaries restrict and begin to shiver to bring your body back up to a comfortable temperature.
The same thing is true of your weight. Your weight has what’s known as a “set point” that your brain thinks is healthiest. If you start cutting your calories, you’ll probably lose weight, often in the form of fat. When you lose fat, it decreases your levels of leptin, one of the “hunger” hormones that generally makes you feel full. Your brain notices that decrease and goes on the defensive by increasing your hunger to make you eat more and slowing your metabolism to conserve energy. That increase in hunger is why dieting can make those stale snacks you’ve had in the pantry forever suddenly look unbelievably appealing.
The slowdown in your metabolism is harder to notice, however. There’s something called non-exercise activity thermogenesis, or NEAT, that describes the energy you expend for everything that isn’t sleeping, eating, or working out — things like walking to the kitchen, doing yard work, playing with your phone, or even fidgeting. When you eat less, your NEAT reduces in ways that probably go under the radar. You might be a little less fidgety, or walk to the kitchen just a little less boisterously. That’s your body conserving energy. Its goals may be different than yours, but its heart is in the right place.
We’re All Friends Here:
So how do you sit your brain down and explain that this weight is where you’d like to be? We hate to disappoint you, but the answer is pretty boring: Eat fruits and vegetables, unrefined grains, and plenty of protein. Strive for slow, steady weight loss. Instead of vowing to drop 10 pounds before summer, try to eat a vegetable with every meal or cut out alcohol on weekdays. Get plenty of sleep, regular exercise, and try to keep your stress levels under control. The key is to keep your body comfortable with the process so it doesn’t sabotage your efforts. If you’re kind to your body, your body is more likely to be kind back.
*Disclaimer: I don't own the video. It belongs to ABC news. I am sharing this video just for education purpose
https://www.youtube.com/watch?v=LZV7GPsWh98&feature=youtu.be
Dear Fam,
Toxic family members and how I would deal with them.
So I decided to re-upload this vlog without the beginning footage. I honestly thought it was such a heartwarming and endearing clip of my son declaring his love for me. I shared it with my own family and friends and thought since he was censored out (no inappropriate parts are shown), it would be fine. The clip showed his bare back and his legs. Yes, I did check Youtube beforehand and it didn't violate the guidelines BUT I know you guys do have a point. As much as I adore my Bubz fam, the internet is still a different place. Especially with everything going on right now, I should be more careful. I'd hate for some creep to be staring at my son's legs in the wrong way.
I need to protect my children the most. I will forever have that special footage for ourselves and that is enough. I realise I don’t need to share every single moment with the world. As a mother, I'm still learning and trying my best. My intention is purely innocent but I understand it could be taken differently. Thank you for the reminder, I do truly appreciate it.
Feeling a bit low today. Got some bad news earlier on regarding our field trip to Ghana. Could appreciate your good thoughts and vibes, guys! Let me know in the comments something nice that's happening for you please.
Meanwhile, I'm so happy to hear I've somehow inspired you guys to workout and eat healthier! Let's get healthy and strong together!
Music by Singto Conley - Honeydew (feat. Hikaru Station) - https://thmatc.co/?l=3DAE9135
Hi, I'm Lindy! Welcome to the Bubz family. I am a beauty, lifestyle and mommy vlogger. We make daily vlogs we call daily doses of happiness! Join us as we navigate this journey we call life and keep up with our crazy little family adventures. Be sure to SUBSCRIBE so we can continue to put a smile on your face. Do make new friends with fellow Bubscribers. I promise you they are the sweetest bunch ever! If you enjoyed today’s vlog, don’t forget to give it a LIKE.
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Hi guys,im back with a new short cover. This song is originally sang by The 1975. Hope you guys like the cover.
xoxo,Bella?
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