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patterns > hansigurumi: Knitting the Peculiar
> Orbweaver Spider
Orbweaver Spider
Satisfy your arachno-philia with this original hansigurumi design. This huge beast is a striking piece of soft sculpture, a knitted marvel that's sure to be a hit with the spider connoisseurs in your life!
This PDF pattern includes 10 pages of detailed charts and line-by-line instructions for knitting your fanged friend, complete with photographic illustrations and illuminating technical notes.
As an added bonus, this pattern allows you to choose between two colorwork charts for the design of your spider's abdomen, or to create your own abdominal colorwork with a blank chart.
Technical skills required for successful completion of this project include increases (M1R and M1L), short rows, small-diameter circular knitting, decreases (SSK and K2tog), stranded (Fair-isle) two-color knitting, and picking up stitches. This pattern is recommended for the intermediate- or experienced-level knitter.
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….the Business Council of Manitoba asks the city to pursue a one-point increase in Manitoba's seven per cent provincial sales tax to raise additional revenue for infrastructure. It also urged the province to hold a referendum to make that possible. The business council represents the biggest and most powerful business interests in Manitoba. Winnipeg Free Press
Hopefully, when the Business Council discusses this idea with the Chambers, consideration will be given to having a referendum include converting the Manitoba PST to a harmonized GST.

subset: commoncrawl


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Are you a quilter or would
like to learn? Join the ILC
quilters each Thursday at 9:00am
until May 16th. They meet
on the 2nd floor.
Men's Discussion Group
Thursday mornings at 7:30 A.M. in the Koinonia
Learn More
Click "Watch" to find video recordings of previous sermons...
Immanuel Lutheran Church is a community of faithful Christians who are excited to share Christ's love and grace with people from different backgrounds. It is also a place where you will experience a warm welcome and feel accepted as you are without judgment. You are encouraged to get to know us not only through our website but also by worshiping with us.
Sunday service is at 9am. Beginning May 5, 2019, there will be an additional worship service at 11am and on the 1st Sunday of the month thereafter.
Pastors Weekly Message
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Service/Events Calendar
and Volunteer Calendars
A monthly publication on what's happening for those of you on the go.
Read the latest stories, ILC news and resources.
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We promise you will lose the weight!
Call today!
Having spent more than 40 years helping people like you lose their excess weight, Dr. Bernstein knows that everyone can lose all of their excess weight while following the program – including you!
That's why we promise you'll lose at least 10 lb every month while following the program correctly.*
Start losing weight now. Call today.


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Celebrate your wedding anniversary with a vow renewal ceremony
You're still the one
Your relationship has evolved and deepened over the years, bringing you both blessings and challenges. A vow renewal is a meaningful, memorable way to celebrate.
Renewals are heartfelt, joyous occasions because this commitment is made with your eyes wide open – with full knowledge of one another and what it means to keep these promises. This can be a public celebration with many guests, an intimate affair involving your most special people or a private ceremony for just the two of you.
Share your story
Working together, we will create a ceremony that reflects who you are now as a couple. We can include, honor and bless your children. We can acknowledge and forgive difficult times. We can create a vision for your future, all while reaffirming the love, commitment and history you share.
Turning point or milestone anniversary
Sometimes, life hands us a significant event that wakes us up to the preciousness of our relationships – an illness, a loss, a close call. Renewing your vows is a beautiful way to acknowledge that you don't take one another for granted.
And it's a joyous way to express your ongoing love on a special anniversary.
Thinking about celebrating your marriage?
Call me. (605) 484-8464


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The Pillowman, by Martin McDonagh
Directed by Svarupa and Derek Mitchell.
10th and 11th September 2015
Theaterstudio Amsterdam, Postesjweg 1, Amsterdam
16-19 June 2015
Polanentheater, Polanenstraat 174, Amsterdam
About the play
The Pillowman is a search for truth. We meet Katurian, a writer of short stories who, together with his brother Michal is being interrogated by the police. His "fairy stories," more gruesome than The Grimm Brother's tales, bear a resemblance to the series of children murders taking place in the town. In a story that twists and turns with dark humour we are asked what is real. Is the nightmarish fantasy he spins ...reality. Or just a figment of the writer's imagination? Slowly the tale unravels. The consequences of which determine their fate.
Shai Har-Adir, Nina Cohen, Deirdre Diamond, Annika Groeneveld, Ken Kitchen, Mathew Carney, Derek Mitchell, Andy Cowie, Christina-Ioana Rotariu,
Paddy O'Connell and Polly Perkins.
What our audience said
(Images courtesy of Arjen Veldt www.arjenveldt.nl)


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Architecture with Aloha
Design may not be the first word that pops into your head when dreaming of sandy beaches and tropical cocktails. However, that's exactly the first impression we experienced at one of our favorite Hawaii resorts, The Andaz Maui. With summer upon us, it's the perfect time to reminisce on one of our recent travels that imparted the perfect blend of architecture and aloha.
Opened in 2013, this beautiful property sits across 15-acres along the edge of the blue waters of the Pacific. In fact, this property bestows a true immersive experience and delivers guests into a state of relaxation, luxury, and aloha. First impressions matter, and the Andaz Maui doesn't disappoint. The entryway is flanked by reflection pools and immediately draws guests into the open aired lobby. With soaring ceilings, an unobstructed view of the ocean, and a strategically placed sand-pit, the lobby is masterfully designed. Reminiscent of a zen garden, the sand-pit evokes a playful yet purposeful way to bring the essence of the beach closer to guests.
As fans of architecture and design, we were in sensory overload both from the natural beauty of the surroundings and the thoughtful elements of the building and decor. We fell in love with the tiered infinity pools, the floor to ceiling apothecary cabinets in the `Āwili Spa, and the farm-to-table dishes at Kaʻana Kitchen. Perhaps one of the impressive elements was the grand staircase, constructed of walnut and designed to mimic the soft curves of a canoe. It's these touches of craftsmanship and local storytelling that bring this property to life.
Mahalo to the Andaz team for another incredible stay and sharing your warm hospitality!


text: There's something about the process of making arrangements from paper and tiny bits that I like. It's a kind of brain exercise to move separate objects about and figure out how they can go together, to make a new story. Sometimes when I am in a transition, I will make an arrangement. I know taking a photograph is an important part of the process too, to see the grouping as a whole on the screen. I believe it helps me make compositional decisions in a different work in progress. This particular arrangement {above} incorporates elements that I either used directly {the blue shapes and white pinhole paper on the left} to make a painting or inspired some part of one. I like this arrangement large so I made a desktop calendar out of it, just for fun.Another form of "brain release" for me is to paint, with the only objective being TO PAINT. Not for anyone or anything, or with an end destination in mind, but simply to paint. So last night, {while M. was in a meeting, and even though it was dinner time and I was hungry} I took an hour or two to be quiet in my studio. I added watercolor into a lithography print series I am working on and I made an art card {seen below}. I feel like time is going by so fast, that I am only able to scrape at the edges of all that I want to do. That is the idea behind the sky scraper painting. Do you ever feel that way?So this weekend I hope to make a nest for myself in the studio and try to catch some ideas that may get away from me otherwise. I also hope to visit a few artists' studios, as part of the Lawrence ArtWalk this weekend. What are you up to?H


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The hottest charity challenge of 2018 will be held in Inverurie in March.
Entries are now open for a Fire Walk in aid of Leonard Cheshire Disability Scotland.
The Fire Walk will take place on Friday, March 9 at the Crichiebank Business Centre, Port Elphinstone, Inverurie, from 6pm.
Participants have the chance to be involved in a life changing experience, and the unique opportunity of bravely walking barefoot across hot coals, supported by professional fire-walkers.
Those taking part will attend a training session beforehand to get ready for the hot coals.
They will then be led to the burning floor where friends and family can watch themface the flames.
Senior Fundraiser for Leonard Cheshire Disability, Michael Jamieson, said: "Let the people we support inspire you. Take the challenge and tap in to your sense of adventure by walking across hot coals.
"You won't feel any pain but you will experience a warm glow for helping us raise vital funds for us to support disabled people in Scotland.
"Having staged numerous fundraising events in North East Scotland for many years, this is the first ever Fire Walk I've been involved with. But knowing how adventurous and generous the folk of Aberdeenshire are, I'm sure the Fire Walk will prove to be just as successful as the other events."
Leonard Cheshire Disability is the leading charity supporting disabled people both in Scotland, the UK and around the world, to fulfil their potential and live the lives they choose through a range of support services.
These include supported living, residential care homes, day services and a respite and acquired brain injury service, with the charity supporting individuals with a range of complex physical, sensory and learning needs.
Those interested in signing up to take part are asked to raise £100 sponsorship and there is a £20 registration fee.
For more details, or to register, contact Michael on 07827 996245 or firstname.lastname@example.com.


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Clare O'Brien, Head of Industry Programmes at the IAB UK, is a marketing and PR practitioner with a background in publishing and digital media. As well as heading up IAB's Search, Content & Native and Performance Marketing Councils, she help plan and support all Industry initiatives.
As a comms practitioner, she led the agency team that launched AOL in the UK and subsequently co-founded one of the very early Content Strategy Consultancies, CDA, focused on developing digital content frameworks. At the IAB she works with members to produce standards, events, research, training and education materials and industry guidance. Her digital practice work includes planning, producing, training and mentoring and her extensive client list included The BBC, BP, CIPD, Epson, TUI, P&G, Orange, RBS, Barclays, Innovene, and The King's Fund.
"We see The Performance Marketing Awards as the most important evening in the awards calendar and as a result continue to support the event. Aside from the high level of care and attention the team give us they also ensure that the night is perfectly executed and an enjoyable environment within which to host our clients."Sam Behar, Client Services Director, Crave & Lamb
© 2019 PerformanceIN. All rights reserved unless stated. Images used with permission.


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Restaurant and Lounge
Serving a variety of North American and European inspired dishes, our chefs invite you to our stunning dining room with it's welcoming and relaxing atmosphere to savor a home cooked meal. With views of the property and Muncho Lake, one can easily loose track of time drinking imported German draft beer or a fine bottle of wine and enjoying our homemade schnitzel and spätzli. In addition to the regular menu, we also offer a variety of daily, fresh specials thought up by our culinary team at the Northern Rockies Lodge.
Bon Appetite!
Restaurant Hours
(subject to change)
Winter Hours
Breakfast: 7:00 am - 9:30 am
Dinner: 5:30 pm - 9:00 pm
Summer Hours
Breakfast: 7:00 am - 10:00 am
Lunch: 10:30 am - 4:00 pm
Dinner: 5:30 pm - 10:00 pm
Bar 11:00 am - 11:00 pm
Patio: 10:00 am - 10:00 pm (weather permitting)


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Chris took the leap to start an independent consultancy in order to spend more time with his wife and his kids. His business was growing, his bank account getting bigger. Life was on track until it wasn't…
A visit to the doctor revealed that his wife had Incurable Brain Tumour. She quickly lost her ability to speak or to do anything. He became her 24/7 caretaker, while still raising 2 kids and keeping his business going.
In this interview with Chris Gardener, you'll learn the 5 ideas that has worked for him to raise happy children in the midst of all this tragedy (which he describes as a beautiful time).
During our conversation, Chris also mentions the one thing you absolutely must do if you want your children to grow up to be balanced and happy. If you happen to own a business, this is the one thing you must do if you have any hope of having one of your children take over your company. If you have values you want to pass on, this is the one thing you absolutely must do if you want to pass on those values.
In a heartbeat, Chris realized he was after all the wrong things. He was chasing success, money, etc. But it wasn't until he realized that his wife had an incurable brain tumor that he realized what mattered in life.
During the remaining time he and his wife had together, he said it was a beautiful time. Even though his wife lost her ability to speak, and do, he saw just how much she loved him and she knew how much he loved her.
For Chris, that phase of his life was a beautiful time and such a connecting experience. Chris focused on what mattered.
Yet, this was not the single most important thing he needed to do for his children to grow up to be balanced, happy, and self-reliant
Chris told his kids that he didn't want them to go to university, or to get a job. But he didn't mean either of those things. What he meant was don't just go follow the crowd.
Go to university not because it's what other people are doing. Or what you think that's that what "you're supposed to do" after high school. Go because it's what YOU want to do. Go because you think it's going to lead you where you want to go.
After his son finishes high school, he's going to be doing his dream "road trip". Starting at Alaska, traveling by road and end up at the bottom end of Argentina. How long it's going to take, how he's going to do it, Chris has no idea. But his son is doing it.
What if you stopped following the crowd to follow your dream?
(By the way, this is related to the single thing you absolutely need to do for your children to grow up to be balanced, happy, and self-reliant. But it isn't exactly it yet.)
As a business coach, Chris works with and gets to see a lot of businesses. What he's realized is that people think being "successful" means being "busy".
Chris says success isn't about being busy. People don't start a business because they want to be "busy". Instead, Chris says the 3 reasons people start a business is what he calls, the three F's. Think about these when you're starting a business or wondering how can you improve an existing one.
Financial Security
People say don't chase money and while that's good advice, you can't do anything without it.
Chris had a job working for somebody else. Then he started his own business only to work for the worst boss (himself). Then one day he realized how he didn't really have a business, but just a job. If he wasn't on the job, his income would stop. So he decided to create a real business that would continue to generate income even if he didn't "show up".
How much freedom do you have to do what you want when you want, with who you want? How much freedom are you expressing in your life? (By the way, this just might be the one thing you need to teach your children in order to grow up to be balanced, happy, and self-reliant. Keep reading to see if it is.)
The most important of the "THREE F's" is fulfillment. Living a life that is worth living. That means having a purpose, having a mission and pursuing it. Financial security without freedom or fulfillment is empty.
Chris encourages his kids to live by the THREE F's.
As a parent, we want what's best for our children. But that doesn't mean we know what's best for them. We're not them, and they're not you. Choosing for your children does not serve them, it hurts them. Let them choose. Give them the FREEDOM to decide.
This freedom to make decisions actually turns out to be the single most important thing that you need to give your children for them to become balanced, happy, and self-reliant. You can hear more about this in my interview with Chris.
There's opportunity everywhere.
But there's also no opportunities anywhere if that's the lens you have on.
Chris says if you believe or assume the worst of everything and anything, then that's what you'll receive.
If you believe something is possible, google it, talk to people, check social media. Learn about it. And go after it. That's how you grow.
But if you have a thinking habit that says "I can't…", "I won't…", "I mustn't"… "It's difficult…", "It's not real…" then that defines your life.
Chris says as parents this is where we can change that. "You can choose to believe that. But understand that is just a belief."
As parents, we have great power to influence our children. With that power comes the responsibility. Yet a surprising number of parents are telling their kids things that don't help them. Do this, don't do that, do it like this, don't do it like that. The worst part is they're unconscious of it.
Here's an alternative approach:
Let's give our children the principles and values that'll guide them in life. Teach them these principles. Then get out of their way so they have complete freedom to make their own choices.
Links and Resources Mentioned:


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Should any student ever be an exception to the rules? Find tips to ensure consistency in your behaviour management.
Whether you identify as male or female, teacher gender should not be a factor in whether your behaviour management is good.
A key moment in any lesson is making sure your class is silent when you need them to be. Get tips on waiting for silence.
This is an outline of how any teacher -- regardless of experience -- can control a class effectively from the first day onwards.
Make sure your students are in the best position possible to learn and build relationships early with the help of a seating plan.
Behaviour strategies to deal with individual children who are wilfully and persistently disrupting their own and others' learning.
Discover tips and advice to help ensure that a detention acts as an effective deterrent against future bad behaviour.
Parents are a vital part of any behaviour-management strategy. Find out how to include them before and after behaviour issues occur.


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Soft and lightweight silk Robert Graham top featuring a front bodice overlayed with delicate feminine lace. The sheer sleeves are crafted from a luxe crinkle chiffon. The inside neckband is lined in a Swiss dot pattern. Interior cuffs are adorned in a rich silk embroidered design.
- Light Rose
- 100% Silk
- Front Covered Placket
- Shell Buttons
- Dry Clean Only


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Maybe militaries all over the world should hire Prabal Gurung - his opening salvo showcased pieces that are so military chic that whatever our dear protectors are wearing now look like rags! Kidding aside, the collection was definitely an homage to the strength and power, whilst evoking feminine glamour that is hard to ignore; making the show one of the most interesting ones we've seen this season thus far.
Highlights for me would be the leather body harnesses and armour-like sandals. Definitely FW2013 faves!
CREDITS: Video from American Vogue


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Morning clouds move swiftly across the sky. "Swiftly" being relative, swift only in relation to no movement at all. The tree branches, the beech and maple I see through the window, move not at all. How can that be? It is a light grey sky with masses of dark grey clouds moving swiftly west to east shedding rain. But the branches of the trees, clearly visible, only slightly nubby with buds, don't move. Ah, there they go. Swaying slightly, back and forth.
Monday, later
The river has risen considerably over the past two or three days as temperatures stay above freezing. The snow in the woods is melting, running toward the river, joining the flow. By Sunday the small sandy beach we enjoyed on Saturday was gone, and this afternoon the water seems halfway up the bank or more.
|"Halfway," of course, being relative to where you are on the bank.
Watching the river from atop the bank, I see a large, dead tree pass by, caught in the flow. Its trunk is nearly black. Sparse, spiky branches stick up all around. It looks like a dragon, some archaic mythic creature, lying on its back, dead, swirling down the muddy river, legs sticking up, rigor mortis. Eventually it will reach the big still lake, settle along the marshy shore. A kingfisher will perch atop a branch, sing, watch for fish.
The dead tree catches for a moment on another tree lying prone in the water but rooted to the bank. The tangle loosens; the dragon moves on.
I notice Josie has gamboled down the bank. He is wading in a calm muddy pool alongside the swirling snowmelt. He is watching the dragon.
|In other news, fresh catnip emerges.
I spent the morning writing, garbled prose, to be sure, but it was a pleasure and I know the point is simply to do it.
What has hit me overwhelmingly since arriving home is a sense of freedom.It is part of my new schedule, a routine I hope to develop and maintain, because I am now convinced that if one wants a good life, one must keep a good routine. Josie concurs.
|Josie's routine includes rolling in the grass.
Before leaving in September to spend time in California, many things had become overwhelming. Solitude had become loneliness. Hard work had become just more hard work. What I saw as lack of diversion and limited options had become oppressive. I was remembering another life I used to lead and missing it, convinced it was an easier life, a better life for me, what fool throws it away? …Josie went with me to the post office, and in my box I found a letter from a friend. I read the letter while sitting on the porch, drinking tea, and for those few moments I was transported to the streets of New York City, the shops, the cafes, even a few of his old dusty memories and one shiny future moment, a fantasy, the likes of which I think we all cook up once in a while, a vision that in a moment encapsulates a lifetime, the life we think we will wish we had led. I wonder if that's where déjà vu comes from. You have been here before, in a thought you once created. Scents and sounds and tastes and a light, chilly mist and my own memories and futures welled up as I sat in the sun on the porch feeling warm, reading. I reached the end of the letter, looked up, saw hundreds of geese flying northeast in several jagged vees, honking all the way.
But the luck I have had. To drive here and there, to and fro, back and forth. To be able to return home this time, to come home, to see the frost on the ground and watch it sparkle as the sun rises.
… Time and again the quiet, the woods, the night sky, the song of the peepers, the flowing water, the hummingbirds, the deer, even crazy long-legged bugs, have consoled me. This very landscape consoles me. …
Yes, them peepers are back a'peepin' up a storm.
I woke thinking how nice it would be if I were waking up in a nice suburban home—my suburban home—with no question of what to do today but to get up, go to work, do my job, go home, walk the dog, watch TV, forget about it. Then, every two weeks, regular as daybreak, money arrives in the bank account.
|Josie by the riverside.
Diffused inspiration. All week I have been working on something that I now sense is going nowhere. Was that the point? Maybe. But no. I don't think so.
Tick season has started.
This evening I see two deer outside the window. They stare at me as I stare at them. Are they thinking: Uh oh, is that little dog coming out here … ? But Josie is sleeping solidly in the chair. The deer go back to grazing. I get on with blending together a banana, a spoonful of peanut butter, a glob of honey, and a cup of vanilla soy milk.
Josie is pooped because we went visiting today, traveled to Sand River where I lived before here. I have not been back since I moved that last load of stuff in October 2011. It is just a two-hour drive, a half hour beyond Marquette, along Lake Superior, and I do not know why I have not been back. Today, for sure, it was good to sit on my friend's deck in the sun overlooking the river, and then the afternoon lingered pleasantly, like the aroma of freshly baked blueberry muffins arranged on a plate set on a table in a woodsy kitchen.
Eventually, Josie and I got over to where my house used to be. It burned down a couple of years ago, after it was no longer mine. Now, where the house once stood, sand and old leaves. Poking up from the duff a few of the red cement paving blocks that edged the patio.
Josie and I walked through the yard to the trail along the river that my dogs Queenie and Buster and I walked so often, every morning and most afternoons, for several years. It's a short trail ending at a neighboring camp, and at the end I would always stop at the base of a tall red pine that looked out over the river, and so I did today. It's a spot that anchored me long ago when things seemed scary or just so terribly uncertain, lacking focus; or, maybe, really, not so long ago.
|Sand River.
We walked farther on, on the dirt road, a dead-end road, just a bit, then turned back to the van, headed home.


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Most sports companies would have us believe that any of our fitness dreams are possible with the right kit, the right wearable and the right inspirational quotes shared with our Instagram followers. The same applies, they tell us, whether we're hoping to train for a triathlon, lose weight or just hit those 10,000 steps per day.
But according to research from a number of different fields, it might take a lot more to reach your goals than you first think. And a big part of the problem might be you and what's going on inside your head.
In the past, we've explored why tracking leads to success for some and failure for others, why goals can make or break you and why being around a team can urge some people on and cause others to crumble. These investigations all suggest that a mixture of beliefs about yourself, the world around you and everything the world might throw your way, can have a huge impact on your fitness success.
It's about recognising that it's not just the surface level stuff that's holding us back, like say lack of time, resources or energy. Instead, the reasons for your success, your failure or your general apathy are likely to run much deeper.
A fixed mindset vs a growth mindset
As we have previously explored, whether you have a fixed or a growth mindset can massively impact all areas of your life.
Initially introduced by Stanford University psychologist Carol Dweck, the basic premise is that a fixed mindset is just that, fixed. Creativity, character, intelligence and performance are static.
In contrast, a growth mindset considers them all as flexible. The implications here are that characteristics and habits can be worked on and cultivated. So failure is a springboard to growth, not a setback, effort leads to mastery, not exhaustion, criticism helps, it doesn't hinder, the success of others inspires, it doesn't intimidate. And so on.
When you understand this, a fixed mindset is the person focused on the external stuff. How they look to others, new kit and a commitment that won't last long. A growth mindset is focused on small gains, regular, sustained commitment and more success over time.
"For twenty years, my research has shown that the view you adopt for yourself profoundly affects the way you lead your life. It can determine whether you become the person you want to be and whether you accomplish the things you value," Carol Dweck writes.
Your beliefs about yourself and the world
Sure you could just vow to adopt a growth mindset and be done with it. But we all develop a set of beliefs about ourselves that stem way back to childhood.
In The Biochemistry of Belief, Dr. TS Sathyanarayana Rao described beliefs as "the guiding principles in life that provide direction and meaning".
We can obviously have positive, life-affirming beliefs. But it's the negative ones we want to focus on, whether you have a belief that you're weak, stupid or can't do things on your own.
Read this: Why sharing your stats could make or break your goals
These beliefs are often completely irrational, but that doesn't mean they don't crop up again and again throughout our lives and influence our actions, decision-making and view of ourselves and the world.
For example, you could get ready to train for a race. But you have a belief you can't change. You sign up for the race, you begin training and you take the necessary steps to begin. But then maybe you'll sabotage yourself, find proof from the world to give up or come up with an excuse about why you couldn't do it anyway. Sound familiar?
Is change possible?
The good news is that just because you've always had these self-limiting beliefs or bad habits doesn't mean you have to have them forever.
"One of the biggest misconceptions people often harbor is that belief is a static, intellectual concept. Nothing can be farther from truth. Beliefs are a choice. We have the power to choose our beliefs. Our beliefs become our reality," said Dr. TS Sathyanarayana Rao.
This idea is based on a relatively new scientific theory known as neuroplasticity. In his book The Brain's Way of Healing, Dr Norman Doidge describes neuroplasticity as "the property of the brain that enables it to change its own structure and functioning in response to activity and mental experience."
Which means that the brain is more than capable of creating new neural pathways and changing its beliefs and old patterns of behaviour. It just takes some effort.
Doidge believes that the answer here isn't to analyse your beliefs — unless you want to pay a fortune for years of psychotherapy. Instead you need to take steps to notice them, challenge them and even begin to replace them.
So what does this mean for our fitness goals?
Adapt your language
Laura Baudoino, co-creator of Sniper Fitness, believes language has a huge part to play when it comes to motivation and achievement.
"If people have an 'I can't' attitude they are setting themselves up for a fall straight away […] We always tell people never to say 'I can't'. We try to encourage people to believe in themselves and their ability to improve. We would rather people said they dislike or struggle with something as 99% of the time this is usually the case," she told us.
In his book Learned Optimism, Martin Seligman, the founder of positive psychology, calls this internal chatter your "explanatory style". He writes: "your explanatory style is more than just the words you mouth when you fail. It is a habit of thought."
Read this: A beginner's guide to MyFitnessPal
Seligman's view was that in order to change not just our words but our explanatory style, we must better learn how to label events in our head.
He believes people who are pessimistic and more likely to give up often think things are pervasive (it's terrible), personal (they caused it to happen) and permanent (it'll always happen).
So in the context of weight loss and dieting setback, a pervasive explanatory style would say "there's no point trying to change", a personal one would be "I'm a failure" and finally permanent would be "diets never work."
To switch this up you could instead see the opposite. "Change is always possible", "this paleo diet doesn't suit me, another will" and "this paleo diet didn't work for me this time, I'll find another that will soon."
The difference between these statements is huge.
Fail fast
Accepting failure is a key part of adopting Dweck's growth mindset and leaning into what Martin Seligman calls "learned optimism" instead of the opposite, which is "learned helplessness."
It also has huge implications when it comes to fitness goals and making self-promoting choices. We are all bound to make mistakes or face minor setbacks but often it's how we deal with them that counts.
According to Kim Ingleby, mind and body coach for Team GB, "when you experience failure it's normal to feel cross, angry, frustrated and emotional.
"Let that happen and pass, then reflect and take the opportunity that failure gives you. What can you learn about not achieving your goal?"
Just like Ingleby, Seligman believes in the power of separating emotion from belief. So he claims it's alright to feel sad about something that you consider a setback or failure. But resist attaching a belief of "I'm sad because I'm incompetent" or "I'm sad because I'm always a failure."
"When we encounter adversity, we react by thinking about it," he explained. "Our thoughts rapidly congeal into beliefs. These beliefs may become so habitual we don't even realise we have them unless we stop and focus on them."
There's no one-size-fits-all approach
This is just a snapshot into what's going on below the surface when it comes to performance, motivation and self-esteem. Of course, there's no one-size-fits-all approach. Everyone learns at a different pace, has different beliefs and different experiences.
Armed with a lot more awareness, you can start to really question whether you might be getting in your own way when it comes to change, hitting your goals and committing to training. But although it's invaluable to get more insights into why you might be experiencing roadblocks in your head, the important thing now is to actually take the steps to remove them.


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This year for Thanksgiving, I traded the traditional family style gathering for an outdoorsy holiday instead. Tim and I hiked (briefly) in the Mojave Desert, camped in Death Valley, and stayed in a cabin in the Sierra National Forest at Shaver Lake, CA. Minus the tarantula I almost stepped on in the Mojave Desert, the trip was exactly what I needed to unwind before the Christmas holiday.
MY SISTER IS ENGAGED AND I'M OBVIOUSLY EXCITED! It's probably not a shock that I was appointed Maid of Honor but the distance (East Coast / West Coast) makes it hard for me to make a meaningful contribution. But while I can't help shop for dresses and approve on over-priced dessert selections, I can take engagement photos, design wedding websites, and create beautiful save the dates + invitations (well...I guess those are pretty meaningful contributions). Check out a sneak peek of her colorful fall engagement shoot in north Jersey:
Here's to the beautiful future Mrs. Restaino ❤
Laugavegur Trek, Iceland
Named one of the top 20 hikes in the world, the Laugavegur Trail in Iceland did not disappoint. 50 miles of incredible terrain with what we thought was great weather (just a bit of rain and wind) considering the time of year. Honestly, if you are planning a trip to Iceland, tackling this trek is a MUST. What visitors typically do in Iceland is rent a car and drive the Ring Road, stopping intermittently along the way. While that is a great way to see a lot of Iceland, there is something about seeing it through a car window that creates a disconnect. It just becomes another screen, another barrier, another lens in which you don't feel fully present and immersed. Yes, you can stop along the way and check those fantastic landmarks off your list BUT when you hike for multiple days completely saturated in the climate, you see it and appreciate it in a completely new way. The textures, the dimension, the colors, the scents, the sounds are all at your fingertips. This trek gives you everything you want: mountains, geothermal springs, volcanoes, glaciers, lush valleys, lava fields, lakes, rivers, waterfalls and more. Photos to ogle over below:
The one important thing to remember about this trek is that it's not a cake walk. It requires preparation and it's not for everyone. While you can tailor the amount of miles you hike in one day and you can stay in huts at night, there is elevation gain, unpredictable weather, glacial river crossings, mountain scaling, and you're carrying a bit of weight on your back. Read up on the trek and make sure you're ready to take it on. But remember, ITS WORTH IT!
Alaska: The Last Frontier
Where did my travels take me next? The great state of Alaska. What an extremely underrated place. I've heard that the demographic of tourists are people in their 60s and 70s. News flash Millennials: You are missing out on breathtaking geography that, to be honest, will not be around for much longer. You hear about the glaciers melting and global warming but have you ever really seen it first hand? Ending my rant with a PSA: Take care of the Earth and don't treat it like garbage. Also, go visit glaciers so you can appreciate them more.
Salkantay Trek to Machu Picchu, Peru
I know it may seem out of place for my design/photo blog to feature a post about backpacking in Peru. While random, I wanted to put this helpful information out in the interweb since when Chantal and I were researching this trek, we couldn't find a lot of resources to use. Lots of blogs were either out of date, didn't answer all of our questions, or weren't completed by females. As our due diligence, here is a step-by-step guide for those fearless females (or any human really), looking to take on the Salkantay Trek completely unguided and completely by foot in 2 full days with the 3rd day hiking up the steps to Machu Picchu.
Tent with rain cover
Sleeping bag (mattress optional)
Food (optional for entire trek but very least bring snacks)
Rain jacket and poncho
1L water bottle
Good trekking shoes (preferably waterproof)
Plastic bags for all your things
Rain cover for backpack
Toilet paper
Bug spray (optional)
Face towel
Medicine for elevation/headaches
First aid supplies
Layers for cold
Loose clothes for heat
Soles $
And lots & lots of motivation!
Pro tip: these are the basic essentials. We urge you to pack AS LITTLE AS POSSIBLE since your shoulders and back will ache from the weight. Every kilo counts especially at mile 29!
Day 1: Cusco 4AM -- Soraypampa trail head 8:45AM -- Chaullay (10 soles to camp, no reservation req) 4:00PM
Day 2: Chaullay 5:55AM -- Llaqtapata 10AM -- Hidroelectrica 3:00PM -- Puente Ruinas campsite (1-2 km before Aguas Calientes. 15 soles, no reservation req) 5:35PM
Day 3: 5:00 AM start to get our tired/exhausted asses up to Machu Picchu -- Machu Picchu 7:35AM
- Bought Machu Picchu entrance ticket and a train ticket from Aguas Calientes (Machu Picchu) to Ollantaytambo. You can get the Machu Picchu ticket the day before you plan to go but you'll most likely be too exhausted to do so. It also motivates you to stay on schedule. You can purchase the train ticket at Aguas Calientes but tickets do sell out.
- Rented 2 person tent, 2 sleeping bags, and a pair of gloves each from speedy Gonzalez in Cusco in Plaza de Armas for 140 soles total. We opted not to get sleeping mats because it was just one more thing to carry.
- Went to the San Pedro market and stocked up on food. We opted not to bring any cooking supplies so we picked up fruits, veggies, and nuts. We also each had a granola bar from the states. Pro tip: Your fruit will get squished if you don't protect it in your bag. Also, we forgot silver wear or plates which would have been helpful.
- Arranged a taxi through our hostel to pick us up at 4AM and take us to Avenida Arcopata where there are collectives and taxis heading to Mollepata.
4AM: When we arrived to Arcopata, we asked if we could get a direct ride to the Soraypampa trail. We knew it would cost more but it would get us there faster. The taxi originally told us 100 soles each but when we got to Mollepata, the taxi couldn't take us further and handed us off to a guy in a truck and only charged us 90 soles each for the entire trip there. We got to Soraypampa at 8:45am and immediately started the trek. When you arrive in Soraypampa, you feel like you're dropped off in the most beautiful middle of nowhere. There are cow farms, snow capped mountain and a raging river. Just a head's up: there's no "marked" trailhead and to be honest, the trail isn't very well marked overall. There were multiple times we had to ask if we were heading in the right direction.
With the river at your right, follow it through some rolling hills that will eventually start turning into a steeper rocky path. If you are heading towards Salkantay Mountain, you are going the right way. The first few hours are all uphill with extreme elevation gain. You are also starting at a high elevation so be prepared to be walking slower and struggling right off the bat. There are a few blue signs that work as check points along the trek. They will become your best friend because when you see those—they absolutely lift your spirits. You'll pass 2 blue signs before reaching the summit which is: Abra Salkantay. It's very rocky and when we were there it was a cold deserted wasteland. The rest of your day will be either flat or downhill! If you're following the river you know you're going the right way. Pro tip: the path tends to have a lot of forks in it. It's just different short cuts that have been created over the years. The path always come back together. There's a campsite that guided tours use before Chaullay. It's called Caserio Wayramachay. From there it took us less than 3 hours to make it to Chaullay. It's not a typical campsite since there's a hostel there. They offer food, water, and even hot showers for a price. We just got water and they had us pitch our tent in a covered area that acts like a dining room for hostel guests. There were 3 other tents pitched in that room but were all from guided treks. We were lucky to be under a cover since it poured all night. Luckily in the morning the rain stopped!
Leave no later than 6am since you'll need all the daylight there is and just prepare yourself for a 12 hour day(!). From Chaullay, you'll be walking downhill/flat for about 3 hours to La Playa. There's a point in the beginning of the day where the road forks and one path leads uphill. Choose the path that goes downhill. Much to our surprise, there are quite a few tour groups that get bused to the next location (cheaters). You should reach La Playa no later than 9:30am. The town seems like it's mostly across the river so it's a bit underwhelming when you walk through it. Pass through the town and in about a half hour you'll see a sign for Llaqtapata on your right and a grassy path with a few market stands/hostels.
At this point, you can either choose to continue on the road towards Santa Teresa or take the "road less traveled" to Llaqtapata. Since we didn't go to Santa Teresa we can't offer much insight on that route. We chose to go through Llaqtapata because we heard it was a a beautiful path with outstanding views. Be aware that in order to hike up Llaqtapata, the weather needs to be decent. The downhill portion is extremely muddy, slippery, and rocky. If you add fresh rain to that, it will make it very difficult to get down. Lucky for us it was very sunny outside so taking the Llaqtapata route was an obvious choice. The sign says that the Llaqtapata portion is 11.9 km., which means you are doing about 3.5 miles uphill and it could take about 2 hours. The hike is not as steep as the first day however, with the sun and elevation, it becomes very difficult. You know you've reached the summit (yay!) when you see a sign for a lodge that has the "best views of Machu Picchu". The sign says it takes 20 minutes to reach the lodge but you'll already start to trek downhill. You'll pass through a ruins and it may get confusing as to which way to go so follow the sign for the camping site which is on the left side of the ruins. From there, it should take about 5 minutes until you reach the lodge, which is where we got water and enjoyed "the best view of Machu Picchu." It's actually incredible to see that ruin from a completely lateral perspective. It was also crazy to know that the next day we would be there. From here, continue going downhill for about 2 hours on a very slippery, muddy path. Eventually, you'll start seeing more little market vendors and the raging river will start get louder and louder.
By 2PM we were mostly through the Llaqtapata but we still had to pass through Hidroelectrica to Aguas Calientes. Once you leave the mountain, you cross a suspended bridge and are hiking at the same level of the river. The next part that tripped us up was finding our way to Hidroelectrica. You'll eventually trek to a bit of a three-way fork in the road. One path will lead you to another bridge that has buildings in the side of the mountain. Another path that is straight ahead will lead you nowhere. The third path heads to the left and looks as though it goes through an underpass through the mountain. The path on the left is the one you want. Continue that way until you reach a small building that will ask for your passport and signature. Since this is one of the main transportation ways to Machu Picchu, they record all visitors. From here you aren't very far from Hidroelectrica–maybe 15 minutes. This town is pretty busy with lots of shops but it's more used as a train station stop to get to Aguas Calientes. Since we were determined to get there by foot, we opted to not take the train and walk the tracks instead. You will see quite a few signs that say that walking the tracks is prohibited. While walking ON the tracks is illegal, there are paths along the tracks that are okay to trek on. When we were trekking along the tracks, we saw over 50 people walking along as well (I want to note that they were mostly passing us since they did not start from Chaullay that day like we did). Starting at the train tracks, make sure you follow the tracks to the right where they turn up. There's a small incline but eventually it flattens out. This was probably our least favorite and most arduous part of the hike. We knew how close we were but we'd been hiking for about 10 hours and this portion takes about another 1.5/2 hours (depending on how tired you are). The path is very rocky and there are points where you have to walk on the tracks. This sign below has become our most hated sign in the history of signs because after almost 12 hours of hiking, the sign said we still had 4km to go. Unreal.
The camp site is actually closer to Machu Picchu than Aguas Calientes so instead of it being 4 more kilometers, is was only about 2. Thank god! We arrived at our campsite at 5:30pm, right before it started getting dark. This campsite is a bit more organized since it's so close to Machu Picchu and frequently used. They designated a spot for our tent and it was 15 soles to camp there. They had a bathroom with showers that you could pay for but since we didn't even have towels, it was pointless to even think about personal hygiene.
Unfortunately for us, it rained the entire night into the morning. Our rain guard was helpful but I'm sure we put it on wrong and a bit of moisture leaked into our tent.
4:30AM: Machu Picchu opens up at 7AM and we were told it takes about an hour to get up the stairs to the entrance. We were advised to leave our campsite around 5AM to start the trek. Putting away our rain soaked tent in the pitch black morning was no fun task but we noticed that a lot of the tents that surrounded us the night before were already gone. To get to Machu Picchu, you head __________ where you'll see a few buses and groups of people. There will also be an attendant there checking passports and Machu Picchu tickets. Once you have that taken care of, cross the bridge and you'll see a sign for Machu Picchu. Unfortunately the sign for us was in the dark.
At this point–BRACE YOURSELF–because you are about to ascend the 3000 (no not a typo) steps. While the elevation gain isn't as much as Day 1, I thought this was the hardest part of the entire trek. I think the combination of knowing that this was the last part of the journey and the fact that I had trekked over 30 miles in the last two days made it probably the least enjoyable part. I was also layered up for a cold damp morning but the humidity was out of control making my poncho like a greenhouse. After an hour and a half of constant chants of "one more step, one more step," Chantal and I made it to the entrance of Machu Picchu.
Was it hard? Fuck yeah. Was it worth it? Absolutely. We hope we gave you the tools you need to go out and be badass on your own. Questions? Just shoot me an email.
NPSF: Tinder Monday
November Project: San Francisco | Aquatic Park, SF | © 2016
On February 15th, the SF tribe met near Fort Mason to do a Valentine's Day themed workout that was deemed "Tinder Monday." I mean, what better way to celebrate love and relationships than with 'swiping right'? It was 30 minutes filled with hugs, high fives, partner work, and excuses why you needed to bail on said partner. Ah, yes. Love was in the crisp morning air.
Graduation Photos: Jennifer
Jennifer Siu | UC Berkeley campus | Berkeley, CA | © 2015
Graduation Photos: Eli
Elideth Guerrero | American River | Sacramento, CA | © 2014
Graduation Photos: Kaila
Kaila Kilwein | American River | Sacramento, CA | © 2014
Graduation Photos: Maddie
Madeline Montoya | American River | Sacramento, CA | © 2014
Graduation Photos: Nicole
Nicole Meiller | American River | Sacramento, CA | © 2014
Graduation Photos: Kailey
Kailey Hansen | Marin Headlands, CA | © 2014
This is my first year submitting work to the Steal This Idea competition for the annual ACUI Conference and I won 3 awards in 3 different categories! Although I didn't bring home any gold medals, I won two silvers and a bronze (you like how I used sports terms). Very proud to own non-gymnastics accolades for once and excited for next years competition!
When asked to design a tshirt for the Sac State gymnastics team, I showed the assistant coach several concepts. Because we are the Hornets, ever since I was a freshman I heard the phrase and cheer "buzz'em, beat'em, swarm'em, sting'em". I decided to do a hand lettered approach, and picked a style that had spurs to represent stingers. The tshirt had to be one color but it definitely has potential to be very colorful. I have to thank Erik Marinovich for the inspiration.
The 2014 5K Fun Run instead scheduled till April 17th, but the guy running it (no pun intended) is excited to start working on promotional pieces already. I've already had several meetings, critiques, and variations of the 5K shirt and although I have to wait several months before I can get my hands on the shirt, I am very excited for it!
I really love infographics. I think its a great way to get what could be boring data across to people in a very visually appealing way. I decided to make one for the Hornet gymnastics team to introduce the 2014 team to their facebook fans (www.facebook.com/sacstategymnastics). GO HORNETS!
I was on the Hornet gymnastics team for four years and was the social media coordinator for the next two. Do you know how many times I was given the opportunity to design the team shirt? ZERO - until now... The new assistant coach let me take a stab at the team shirt for this year and I came up with a new tagline and the design was inspired by Jon Contino's shirt he did for Nike. So excited to see these shirts printed in a few weeks!
The marketing collateral for the 'Climbing Fundamentals' project included a 93 inch wide window display that's printed on perforated vinyl. After having it printed for 3 weeks, I finally had the chance to install it in the entrance way of The WELL where every guest will see it as they enter the building. These things are a pain in the butt to install but look so rad when they are done. I'll be posting the entire project soon!
Since graduating in May I've really took time to figure out what my next 'move' was going to be. I know I'm definitely ready for a career (that's what six years of school will do to you) but I wasn't sure exactly where. After visiting my beloved Jersey Shore and being in NYC on July 3rd, I knew that the city wasn't for me at this time in my life. California has mellowed me out too much to handle the hustle and bustle of the Big Apple. With my internship winding down, I've been scoping out the job field in the Bay Area but then ran into an amazing opportunity that would extend my time in Sacramento. I was granted the amazing opportunity to continue my position at The Lab where I intern now but as a full-time graphic designer for 120 days! A full-time designer just accepted a designer position elsewhere and as they get the position ready for posting, and HR, and all that jazz, I am going to fill in for him. As said by Ashton Kutcher in his recent Teen Choice Awards speech, "Opportunity looks a lot like hard work." Amen to that.
So it took me over 8 months, but I finally did it. I finished my deck of playing cards! In October of 2012, my advanced graphic design class was assigned to create playing cards to practice designing in systems. We were only required to create 16 cards, which is just a little over a quarter of a deck. I wanted to finish the deck and get them printed but homework, work, and other things go in the way. Once school was over in May, I made it my mission to finish the deck and I am happy to announce today that it is officially done! Now who's down for a vicious game of SPOONS?


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Welcome, Guest
Contains: Linolenic acids, oleic acids & palmitic acids.
Please choose:
The color of this material varies from colorless to greenish. There is little to no odor. The soap industry uses it for the manufacture of liquid soaps. Is high content of linoleic acid gives it a health food nutritional profile.
Grape Seed Carrier Oil leaves the skin with a smooth satin finish without being greasy.
Being non-toxic and hypoallergenic, Grape Seed Oil is much used in skin cremes.
External use only.
Keep away from children & pets.
Liquid Sunshine Vegetable Oils for Aromatherapy by Jan Kusmirek
Carrier Oil for Aromatherapy & Massage by Len Price with Ian Smith & Shirley Price
Information within this site is for educational purposes only.
Statements about the product efficacy have not been evaluated by the U.S. Food & Drug Administration.
The products mentioned within are not intended to diagnose, treat, cure, or prevent any disease.
As always, please consult your Medical Doctor for any medical advice or treatment
click for details
CAS No: 9000-05-9
Flash Point (closed cup): >100 C
Characteristics: Pale brown to brown viscous liquid, with a sweet balsamic aroma.
Lavender True (O)
Orange, Sweet (O)
Peppermint USA Wilamette (O)
Almond, Sweet Carrier Oil
Lemon (O)
Frankincense Somalia (O)
5ml Clary Sage Extra France
Latin Name: Lavendula angustifolia
Country of Origin: France
Latin Name: Citrus sinensis (L.) Osbeck)
Country of Origin: USA
Method of Cultivation: Certified Organic
Extraction Method: Cold Pressed
Plant Material Used: Rind of the organic orange
Appearance & Odor: Intensely yellow orange to deep orange liquid with
characteristic aroma of the outer part of the fresh orange peel.
CAS Number: 8008-57-9
Flash Point: 115 F (Closed Cup) 46 C (Closed Cup)
Latin Name: Mentha piperita
Country of Origin: USA
Method of Cultivation: Organic
Extraction Method: Steam Distilled
Parts Used: leaves & flowering tops
CAS No: 8006-90-4
Latin Name: Citrus limomum
Country of Origin: Italy
Cultivation Method: Organic
Extraction Method: Cold Pressed
Plant Material Used: peel of lemons
CAS No: 8007-56-8
Flash Point: (closed cup) 115 F
Assay: 2.75% total aldehyde calculated as Citral.Color: Pale yellow liquid
Odor: Very light, fresh and sweet ordor, truly reminiscent of the ripe peel
SDS | Analysis
Botanical Name: Boswellia Carteri
Country of Origin: Somaliland, Eastern Africa
Name: Bowsella carteri
Family: Burseraceae
of Cultivation: Certified Organic
of Extraction: Hydro-distillation
Material Used: the resin
Number: 8016-36-2
Point: 42 degrees C (closed up)
Synonyms: Boswellia carteri, Frankincense, Olibanum
Colorless to pale yellow liquid
Odor: Characteristic woody, spicy, faint
lemon, somewhat camphorous odor.
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Manufacturers: -IWill USA -Matrox -Samsung USA -Crucial -Toshiba -Actiontec -M-audio -EverGreen Tech -EPI USA -Buffalo Tech -ThermalTake -Zalman Tech -Cyber Cooler -Vantec USA -Evercool -Chenbro -CoolerMaster -C3 -SuperPower -Lian Li -2CoolPC -Icemat -TweakMonster -Cobalt3 -Sunbeam -ShatteredWeb -Tagan -Rosewill -EDGE Memory -Eagle Tech Online Shops: -CrazyPC -HighSpeed PC -UmaxPC -Xoxide Mods -Directron -Azzo -Computer Geeks -CensusPC
LapLogic Aerogel ExtremeEDGE DiskGO 160GB Network HDDGelaSkins for DS and PSP
The Kama Connect from Scythe is far from being your typical USB enclosure. It does not shell the hard drive or drives, it simply plugs into their ports and is ready to go. Needless to say, this is the PC tech and enthusiasts dream. This kit has the ability to attach an IDE drive, a SATA drive, or both at once.
A quick glance at the box gives you an idea of the ways you can use this device.
Inside the box we have a power transformer, molex Y adaptor, USB cable, drivers on CD, and the Kama Connect itself.
The end of the power transformer is a standard molex connector that we all know and love. It also includes a handy on/off switch so you don't inadvertently toast something when changing drives.
Now let's move on to the device itself. On one side you have the standard SATA power and data plugs.
And on the other side, you have a standard 40 pin EIDE plug.
Finally we have the standard mini-USB plug and the molex connector.
Here is a view from the top.
Hooking up a hard drive is surprisingly easy. For testing purposes we will use a variety of drives, starting with a Western Digital WD2500KS SATA drive.
Its worth noting that the Western Digital (like most SATA hard drives produced today) has two options for power connectors. You can use either the SATA power plug or a molex connection.
Plugging both in at the same time leads to very, very bad things, so don't do it. The Kama Connect acts as a molex to SATA converter, so plug the molex into the Kama Connect as shown.
Simply turn the power on and hook up the USB cable, and you're good to go. EIDE drives are just as easy. Connect the 40 pin connector into the drive and hook the molex directly in as shown.
You can also use a 2.5" laptop drive converter as well.
You can also hook a SATA drive and an EIDE drive at the same time and run both at once. This is perfect for transferring old information off an EIDE drive for use in a new system with SATA.
LapLogic G800/W800 Aerogel Extreme
Mahogany USB Drive
EDGE DiskGO 160GBNetwork HDD
GelaSkinsDS and PSP


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olivers twist
flea market shabby to chic
home furnishings and colectibles
cs design
potpouri and wreaths
wall art
children's swag
olivers twist
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aaout oliaboutvers twist
about olivers twist
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the olivers twist shop is located on the coast of Maine, where unique beauty, color and style compliment both life and homes. olivers twist is about recreating "finds" or, as the Oliver Twist story portrays "pick-pocket steals" into one of a kind creations for your home. we are about color, style, tradition, swag, design and incredible finds that are essentials to the furnishings and collectibles for your home. olivers twist takes 'worn and shabby' to a place that is inspired by one's dream - your dream for your home - in other words, uniquely designed for your one of a kind home.
olivers twist offers creative elements that are 100% unique and 100% hand crafted, where we take the 'pick pocket' theory from flea markets and turn those finds into a valueable, one of a kind piece that is meant only for you. our products are hand crafted where we choose only the best 'picks', and design the piece where there will be no other - we hand paint, and we hand finish. olivers twist offers a selection of furnishings, decor, collectibles, art and kitchen ware that will bring swaggy chic, elegance and style to your home. our belief is unique quality with giving you the 'pick-pocket steal' of the best in offering a gallery of elements that will compliment any room of your home.
olivers twist also offers commissioned pieces. is there a particular design, color or style that you are looking for? we can search for that one unique piece and deliver it in a way that satisfies your vision and home decor. remember that we are "oliviers twist" ... we believe in taking what is unique, and what is a "pick-pocket steal", then turning it into your one of a kind style for your one of a kind home.
contact us us at your convenience to chat with us about your vision, your unique design and how we can make that happen ... tell us how olivers twist can bring you your vision for your one of a kind home. shop with us at your convenience online at www.olivers-twist.com or email us at email@example.com. we would enjoy hearing from you!
our sincere thoughts to you, from the team at olivers twist
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Fab Fridays and Other Social Events for Gay/Bi/Trans Men in Santa Cruz
SantaCruzGayMen.com (previously .org) organizes social events where gay men can make friends, start relationships, and have fun.
Fab Friday is our monthly event – Held the last Friday of each month at rotating venues in Santa Cruz County.
Come Out and Play Santa Cruz!


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Good luck getting around D.C. on Inauguration Day
Waashington ? On a typical weekday, hundreds of thousands of people commute to the nation's capital, snarling roads and packing subway trains and buses during peak hours.
Imagine multiplying that several times for Barack Obama's inauguration Tuesday.
"I don't want in any way to discourage anyone," said the District of Columbia's city administrator, Dan Tangherlini. "I just don't want them to come and be completely shocked by what they find."
It won't be pleasant, Tangherlini and other officials say.
The Washington area's transit system is telling passengers to expect extraordinarily long lines for trains and buses. Airports will be bustling with extra flights. Traffic could be at a standstill as motorists cope with street and bridge closings. Those who do manage to arrive in Washington will find limited parking.
"Pack your patience" is the advice from Corinne Geller, a Virginia State Police spokeswoman.
Amtrak is expanding service between Boston and Washington on Inauguration Day. Southwest Airlines is adding 26 flights to and from the region between Saturday and Jan. 23. Delta Air Lines and its subsidiary, Northwest Airlines, are adding more than 5,000 seats today and Wednesday by using larger aircraft on existing flights. Airport officials say they will add staff to help guide travelers.
Virginia State Police plan to bring troopers from across the state to monitor expected gridlock outside Washington, Geller said. Maryland transportation officials are urging truck drivers and other commercial drivers to avoid the area.
Major bridges into the city, such as the Roosevelt, Memorial and inbound Key bridges, will be open only to buses and official inaugural traffic, Tangherlini said. A complete list of road closures will be released early this week, according to the Secret Service.
Prepare for the unexpected, authorities and inaugural organizers say.
"We also recommend developing backup plans in case your original travel plans need to be changed at the last minute," the Joint Congressional Committee on Inaugural Ceremonies said in a recent advisory.
Given the impending headaches, some would-be revelers are staying home.
Larry Froneyberger of Atlanta planned to pick up his 68-year-old grandmother, Francine, from High Point, N.C., on his way to the inauguration. They were going to stay in Baltimore and take the train into Washington.
She was excited about the prospect of witnessing the first black president, especially because she grew up during a time when that seemed impossible, Froneyberger said. But with her slow stride due to foot surgery last year, the transportation situation was too overwhelming.
"It's going to be a lot of waiting and she was like, 'I just can't do it,"' Froneyberger said.
Even cab drivers are thinking twice about working that day, said William J. Wright, president of the Taxicab Industry Group in Washington.
Wright said he has driven his cab during past inaugurations — including John F. Kennedy's — but based on what he's hearing, he expects gridlock for this one to be the worst.
"I don't see how a cab driver can make any money, to be honest with you, because he can't go anywhere," he said.
Others are willing to brave it, despite the many inconveniences.
Tony Vincent of northeast Washington said he will take the subway into Union Station, where he shines shoes. Depending on how many people step on his shoes on the packed train, he may need a polish of his own, he said.
"I know it's going to be crazy," he said. "It might be a little uncomfortable."
While government workers are off that day, some sectors are requiring employees to show up.
Nicholas Ramfos, who heads Commuter Connections, a nonprofit group that coordinates commuter programs in Washington, is recommending that employers allow workers to telecommute or shift their hours outside of peak inaugural travel time.
Besides biking or public transport, he suggests people take a look at his group's car pool list to find others who work or live near them.
For some people, leaving the city isn't an option.
Emily Durso, president of the Hotel Association of Washington, D.C., said hotels will be fully staffed, with many people working multiple shifts. Her group represents 97 hotels in Washington, and she said a number of them plan to set up cots for employees at the hotels or in empty apartments.
"We've never had anything like this," she said. "It's just a whole different animal in many ways."


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A pennyweight is the twntieth part of a troy ounce.
The name originally applied to the weight of an Anglo-Norman penny.
Sterling Silver
Sterling Silver is qualified by being 925/1000 (92.5%) fine silver and 75/1000 (7.5%) copper.
Gold Electroplate
The term gold electroplate refers to a custom award jewelry piece that is made by electrolytically depositing find gold on a base metal.
Gold Filled
A custom award jewelry piece that is called "gold filled" is made by joining a layer (or layers) of gold alloy to a base metal alloy and then rolling or drawing to the thickness required.
White Gold
White gold is similar to yellow gold except components changed to give a white or silvery appearance to the award ring.
White gold is used as 10K or 14K.


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The Australian Army raised a number of units for commando-style operations during the Second World War – the first being the twelve Independent Commando Companies formed between 1941 and 1942.
Predominantly serving in New Guinea, the Dutch East Indies and Borneo their task was to perform raids, demolition, sabotage, subversion, and organisation of civil resistance against the Japanese. The Independent Companies saw heavy action, serving with considerable distinction.
Commandos also formed ad hoc formations such as Kanga Force – a composite formation of Commando companies and the New Guinea Volunteer Rifles which undertook raids and reconnaissance operations in New Guinea.
Commandos were also the basis for M Special Units and its more famous counterpart, Z Force. Conducting covert operations in the South West Pacific against the Japanese, these units were formed with volunteers from Australia, Britain, New Zealand, and the Dutch East Indies
As the war drew to a close the Independent Companies would be used in more traditional infantry roles, their trademark Owen Gun submachine guns and distinctive berets marking them out as soldiers worthy of respect from friend and foe alike.
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Milne Bay was defended by a motley assortment of soldiers that had arrived between June and August 1942. These included veteran soldiers of the AIF's... View full product details
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America: Too Big To Flail?
Submitted by KAT on Fri, 07/09/2010 - 7:09pm.
If correctly identifying your problems is the first step to solving them, I'm afraid we'll all be peeling tar balls off our heels before we get a handle on the BP blowout.
"Please stop calling it a leak!" Bill KcKibben pleaded at the Slow Money conference in Shelburne, Vermont last month. A leak, after all, suggests a kind of dribble. A spill sounds like something you might mop up with a towel.
"We've punched a hole in the bottom of the ocean," McKibben added. "Is a knife wound a 'blood leak?'"
We're hitting some fundamental limits, he added, citing the 'thousand year' storms that seem to come every four or five years now, and the fact that we're facing the hottest year on record, so far (and that was before the heat wave that hit the whole Eastern seaboard this past week).
Yes, we need to plug that hole in the ocean floor before the entire Gulf becomes one gigantic dead zone. But there's an onshore contaminant threatening our future, too, and it's called fast money.
Fast money spews from the wells of Wall Street and spatters the globe from Beijing to Bangalore to Bentonville. It creates land-based dead zones filled with underwater mortgages and sinking businesses. Fast money "does violence to the web of relations on which the health of communities and bioregions depend," according to Slow Money founder Woody Tasch.
Tasch shares Bill McKibben's fervent belief that you can't have a truly sound economy unless you practice sound ecology. The subtitle of Tasch's book, Inquiries into the Nature of Slow Money, says it all: investing as if food, farms, and fertility mattered.
But don't expect Tasch to declare war on Wall Street. In a statement to the six hundred or so farmers, philanthropists, investors, eco-preneurs and real food rabble rousers (like me) who came to historic Shelburne Farms for Slow Money's second annual conference, Tasch explained why he's not going to pick that fight--or any fight, for that matter:
Peace. Health. Fertility. Too bad our current notions of how to keep America secure and prosperous have brought us just the opposite: war, disease, barren seas and soil.
And how do you sell the virtues of "small acts of care and restraint" to a nation that prides itself on living large and thinking big?
Except that we really don't think big, anymore, when we think at all. We have a shockingly defeatist, "can't do" attitude when it comes to tackling our current crises. Hence the mindset that we can't afford a moratorium on deepwater drilling because it will cost even more jobs than BP's disastrous deepwater drilling has already destroyed. We need the oil and the jobs, come hell or high, oily water. As Tasch wrote in his book:
The Slow Money conference showcased the socially responsible investors, sustainable agriculture proponents, and ecologically savvy entrepreneurs who have not only dared to imagine another way, but are actively pursuing it.
No, I'm not going to claim that all our problems will be solved by backing the manufacture of such locavore luxuries as organic kale chips and granola bars, or artisanal grass-fed sausage sticks, or (my personal favorite) a chia-based beverage that was delicious in a viscous way.
But I was impressed and inspired by the presentations from a variety of innovators: Midwestern Bio Ag, Terra Green Biologics, and Marrone Bio Innovations, who've found environmentally safe ways to boost soil fertility and control pests; City Fresh Foods, Peoples' Community Market, and Home Town Farms, who are improving their communities' access to fresh, healthy food; and Farmland LP and the Carrot Project, dedicated to fostering the growth of sustainably farmed land. And as a dedicated DIYer, I was delighted to learn about a totally non-toxic but super durable varnish from Vermont Natural Coatings that is made from whey, a by-product of the local cheese industry.
Together, these trail blazers, among others, made a compelling case that nurturing the kinds of small, regionally based businesses that they exemplify could not only create jobs and revitalize our economy, but also address what Bill McKibben called our "social deficit...the ecological and psychic wounds that we've inflicted on ourselves."
As McKibben noted, anything that's "too big to fail" is, by definition, too big, period. That goes not only for our financial system, but every other system we rely on, including our food and energy systems.
How many more fast money blowouts can we afford? Slow Money, on the other hand, is about growing things, not blowing things up, whether it's in pursuit of the coal beneath a mountaintop or the oil at the bottom of the sea.
McKibben ended his keynote by saying that we need to "take very drastic action, now." Is it time to put a cap on capitalism? You can help bring our economy back down to earth literally, now, by signing on to the Slow Money Soil Trust.
Important mislabeling issue with Ocean Spray's "Choice"
Submitted by mpontes517 on Thu, 07/15/2010 - 12:42pm.
Hi Kat,
I am a communication professional working to help spread the word about a grass-roots campaign aimed at educating the public about an important mislabeling issue with Choice, Ocean Spray's sweetened dried cranberry product. Choice is marketed as a healthy food product even though it is mostly sugar—according to Ocean Spray's own product literature, sugar contents can go as high as 80%.
On November 19, 2009, the National Consumer League filed a petition with the FDA requesting that the FDA investigate the misleading labeling with Choice – here's the link http://www.nclnet.org/newsroom/press-releases/178-consumer-watchdog-to-fda-mislabeled-food-products-a-bad-choice-for-consumers . This action went unnoticed by Ocean Spray, which continues to market the Choice product, now in select national retailers, as a wholesome cranberry product.
With our educational campaign, www.scamberry.org, we are hoping to educate the public about this mislabeling issue and influence Ocean Spray to re-label their product.
We thank you for your support in spreading the word:
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Saturday, October 16, 2010
RIP Barbara Billingsley
Published: October 16, 2010
The actress who some believe to have personified the quintessential TV mom has died. Barbara Billingsley, star of Leave It to Beaver, passed away early this morning at the age of 94. The exact cause of death is not known but she had been in poor health for some time.
Born in Los Angeles to Robert Collyer Combes, a police chief, and Lillian A. Combes, she was the youngest of three children. Billingsleyfs parents divorced while she was still a child and she fell in love with drama in school.
After spending a year at a Los Angeles junior college, Billingsley went to Broadway as part of the Straw Hat revue. It quickly closed but she stayed in New York and worked as a fashion model. In 1945, she landed a contract with MGM and appeared in a number of small roles in movies until the mid-1950s. Those led her to be cast in several TV programs of the day.
In 1957, Billingsley was signed to play June Cleaver, the mother on the Leave It to Beaver sitcom, and received top billing over Tony Dow, Hugh Beaumont, and Jerry Mathers. The show initially aired on CBS but, after one season, moved to ABC and ran for five more years. The series ended on its own terms and was one of the few of that era to have a series finale. In the last episode, June is cleaning and comes across a photo album. The Cleaver clan ends up recounting experiences theyfve had together via clips from earlier episodes.
After that, Billingsley was typecast as the perfect mother and found it difficult to land other roles for several years. She guest-starred on a number of shows over the years, sometimes in her Leave It to Beaver persona. Billingsley also voiced the gNannyh caretaker of the Muppet Babies characters on that animated series for 107 episodes. Billingsley found new notariety by playing the gjive ladyh in the first Airplane! movie.
In 1983, she joined most of the original Beaver cast for the Still the Beaver reunion movie on CBS. That led to a whole new Beaver sitcom called The New Leave It to Beaver. That lasted for 104 episodes and Billingsleyfs character was now an active widowed grandmother who became a member of the Mayfield City Council.
One of Billingselyfs last on-screen roles was in a cameo as Aunt Martha in 1997Œs Leave It to Beaver feature film. Other original TV castmembers, Ken Osmond and Frank Bank, had small roles as well.
Billingsley was married three times and her last husband died in 1981. She is survived by two sons, several grandchildren, and generations of grateful TV viewers.
BILLINGSLEY, Barbara (Barbara Lillian Combes)
Born: 12/22/1915, Los Angeles, California, U.S.A.
Died: 10/16/2010, Santa Monica, California, U.S.A.
Barbara Billingsley's westerns - actress:
The Sea of Grass - 1947 (bridesmaid)
The Valiant Hombre - 1948 (Linda Mason)
Inside Straight - 1951 (Miss Meadson)
Oh! Susanna - 1951 (Mrs. Lark)
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To every child a bike is an unforgettable gift. To some it can mean basic transportation because cars aren't available and bus fare is scarce. A bike offers an opportunity to participate in after school events or going to the library, a first step toward responsibility and freedom. A bike provides physical activity and develops skills that last a lifetime. A bike means a welcome break from the boredom and despair that might surround them.
On foot, everyday life can seem frightfully small. A bike brings a child an opportunity to explore the world outside their neighborhood. A bike can help a child dream a different future and take the first steps to go after it. A bike can open the eyes and change the life of a child.
Together we can make a change, one neighborhood at a time and show children that someone, somewhere really does care about their future. And it is so easy! Bring your check book, bring your tools or both. For each $85.00 you contribute, you can be a part of this amazing give-away that brings joy and hope to the lives of children!
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Splash of Red | Acrylic Glass Block
Splash of Red | Acrylic Glass Block
Acrylic Glass Block featuring the picture Splash of Red.
The perfect gift for someone who loves Luxembourg or is looking for a souvenir to remember a trip to the only Grand-Duchy in the world.
Size: 15x10cm
Acrylic Glass Block
The perfect souvenir from Luxembourg
These beautifully crafted Acrylic Glass Blocks are perfect as a gift for somebody who loves Luxembourg. They are also the perfect souvenir from your trip to the only Grand-Duchy in the world.
Images gain visual depth and brilliance inside a block of acrylic glass. The block's transparent edges are polished, meaning you can see through all sides to every razor-sharp detail in the picture. Blocks are glossy and crystal clear with precise details and vivid colours. They are free-standing with 25mm (almost 1 inch) of acrylic glass for sculptural presence with maximum depth. Blocks are UV-protected and non-breakable for long-lasting brilliance and a crystal clear view. Images are printed on high-end Kodak Pro Endura photo paper which features sharp details and deep colours.
Acrylic Glass Blocks come in three different sizes: small 10x10cm, medium 15x10cm and large 20x20cm. They feature all kinds of different pictures made in Luxembourg.
Blocks are packaged securely in a cardboard box and shipped worldwide.
Featured picture
Splash of Red | Sunset over a field of wheat full of red poppies
As seen at the Luxembourg House
If you wish to see the Acrylic Glass Blocks up close, visit the Luxembourg House Concept Store in the city's centre.


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View the embedded image gallery online at:
This is a fairly self explanatory style.
The Australian sun is so intense, magnified in the outback areas - it reminds me of the glass furnace we use to make our alchemy happen.
Strong Reds and Blacks are predominant in these pieces.
I wanted the feeling of hot to touch and flare ups of flickering flames bursting through the blazing red. They are twisting and reaching outwards just like solar flare radiating from the suns surface.
These are strong, more masculine pieces and make bold statements wherever they are placed on display.


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The Dance
By John Ventola
The NCAA hung the popular moniker on the annual March event, Garth Brooks sings a song so titled. Today The Dance is down to sixteen teams. By tomorrow night it will dwindle to the Elite Eight. Sunday nigh there will only be four teams left to dance in next weekend's Final Four. Continue reading


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Troy Peterson, EMS Specialist for the Marin County Emergency Medical Services Agency provided me with chart below which gives the number of cycling accidents in Marin County between 2001 and 2013. The 2013 data is brand new. Mr. Peterson wrote that "this data comes from the electronic medical records that our EMS system prehospital providers fill out on all patients."
The number for 2013 confirms the data I received from Mike Giannini in my first post. What is new here is the indication of a dramatic rise in cycling accidents in the County over the last four years. My experience tells me the increase is probably due to the increased number of cyclists on the road. What remains striking is the overall number of accidents which equates to more a one accident per day.


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Apple has finally announced the much awaited fifth-generation iPad Air, endowing it with a much lighter size, making it thinner and more powerful thanks to the A7 64-bit chip architecture. The iPad Air will be available to purchase from Apple's online stores starting with November 1st, at the moment even pre-orders are not allowed, probably hinting to bottlenecks in the production of Retina display panels.
If you are going to buy the fifth-generation iPad Air, then you are probably also looking to get some of top covers and cases, as well as accessories for it. Since we're talking about cases and covers for Apple products, perhaps you'd be interested in acquiring some for your iPhone 5s and iPhone 5c, as well. Without further ado, let's explore together some of the best offers in the market when it comes to iPad Air cases and accessories.
Top 9 iPad Air cases and covers
Apple's own smart cases and smart covers
Since the iPad Air is thinner and lighter than the previous generation iPad, then Apple needed to come up with new Smart cases and Smart covers for the fifth-generation iPad Air. The Smart Case for the iPad Air comes in six different colors: brown, beige, black, yellow, blue and PRODUCT (RED). The case is made out of aniline-dyed leather, costs $79 and features a soft, color-matched microfiber. The iPad Air Smart Case protects the back as well as the screen and when you open the Smart Case the iPad Air will wakes. It will go to sleep when you will close it.
The iPad Air Smart Cover is cheaper at $39 but it will cover only the screen of your device. It is made of polyurethane, not leather and comes in six colors: black, pink, yellow, blue, green, PRODUCT (RED). You can use the iPad Air Smart Cover as a keyboard stand which puts your iPad into a more comfortable writing position.
Belkin iPad Air QODE Keyboard Cases
One of the best looking iPad Air cases, Belkin's QODE Keyboards Cases, as the name suggest, double as keyboards that have a very good looking design. There are three different versions – thin, ultimate and slim style. The most premium of them all is the QODE Ultimate Keyboard Case that costs $129. Being extremely thin and light, this iPad Air case is made of aircraft-grade aluminum alloy . It is designed for a great and accurate typing experience thanks to the well-spaced keys.
Incipio Flagship Folio
Incipio's Flagship Folio case for the iPad Air has a very stylish look that makes your eyes get drawn to it. Still, despite inspiring luxury, the Flagship Folio case for the iPad Air can be yours for $69. The case is made out of Plextonium, which is Incipio's proprietary technology, micro-suede and carbon fiber styling. You can put your iPad Air in multiple viewing angles, such as leaning it on its back to see a few pictures or even watch a movie.
M-Edge Sport
Just like the name suggests, M-Edge's Sport case for the iPad Air is meant for those on-the-go, with an active lifestyle. The case is made with M-Edge's propietary GripTrack Technology that lets you put the case in any stand position. M-Edge Sport iPad Air case is made out of ballistic nylon and strong silicone. Available in black or purple, this iPad Air case can be yours for $49.99.
Griffin Survivor
Griffin's Survivor line of products needs no introduction – this is one of the most appreciated cases brands in the market. While the Survivor case for iPad Air isn't yet in stock, like many in this list, we already know you will have to spend $79 to get it. The case is designed and tested to protect your iPad Air from dirt, sand, rain, shock, vibration, and other extreme conditions. It will also come in more designs and color combinations. The iPad Air Survivor case is built from a shatter-resistant polycarbonate material covered in shock absorbing silicone.
DropTech Color
Gumdrop is another reliable case maker for Apple products. The DropTech Color is a rugged case for the iPad Air that comes with "hard-core readiness for all adventures". It will protect your iPad Air's screen and port covers, thanks to its multiple layers designed to absorb shock. On the corner, the DropTech Color case has reinforced rubber bumpers, since we know how fragile corners can get. Design is not overlooked neither with this $60 iPad Air case, as there are eight color combinations to choose from.
Cygnett Grey Folio Case for iPad Air
Cygnett's Grey Node case for the iPad Air comes with a specific textured feel, as you can guess from the above presentation image. Having a business style, the Node iPad Air case is the one to carry with you during meetings and conferences. The hard wearing woven material ensures not only a texstured feel, but also impact absorption, in case you drop it. It also comes with an elastic closure and a handy inner document pocket. The price is currently not available, but my guess is that it should be around $50.
iLuv StepFolio
iLuv's StepFolio case for the iPad Air is one that doubles as a shoulder bag, ensuring maximum portability. Thanks to its removable shoulder strap, you can take the iPad Air with however you want. Of course, being so light, be careful not to lose it! For $60, the Step Folio can be used as a stand for, so you can put your iPad Air in landscape or portrait viewing modes. With this case, you don't have to worry about a bag anymore, so after you have finished working on your iPad, attach the strap and off you go.
Top 4 iPad Air accessories
M-Edge iPad Air Stylus
Some of you might remember Steve Jobs's memorable quote: "if you see a stylus or a task manager, they blew it". Still, there are enough people out there who uses styluses on tablets and with the iPad Air, this is not changing. M-Edge's Stylus for the iPad Air will cost you just $15 and it comes in seven different colors – red, violet, pink, blue, black, chrome and white.
Cinema Seat for iPad Air
The second product from Griffin is an iPad Air accessory designed at the folks that take the backseats in your car. We could be talking about your kids or your friends – they all will not a refuse an Angry Birds game or an episode from The Simpsons! The CinemaSeat is the right iPad Air accessory for your in-car entertainment system thanks to the adjustable strap that routes around your headrest. It can be yours for $40.
Outback Solo for iPad Air
Just like iLuv's StepFolio, Outback Solo a bag where you can put your iPad Air and safely carry it around. It is definitely not a case and it doesn't double as stand, as you can see. But for $69, you get a really good-loooking iPad Air leather satchel made of tan waxed canvas and neoprene along with top-grade leather. It als comes with a magnetic closure. You can definitely put inside an iPad Air covered in another case, if you're really concerned about its well-being.
ZAGG iFrogz Audio Coda Forte Bluetooth Headphones
Listening to music on your iPad Air can be really cool if you are using ZAGG's Coda Forte Bluetooth headphones. They come in black, blue and pink and the positive ratings show that users like not only the sound it makes but also the design. For $100, you will buy yourself an iPad Air accessory to listen to music free of any cords. It comes with a 3.5 mm jack and if you really need it, then a 1.2 meter cord is also present. The battery resists for up to 12 hours per charge.


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Life Insurance Frequently Asked Questions
The Hinerman Group knows how frustrating and confusing shopping for term life insurance can be. When you add in complications and life events it can feel impossible. The Hinerman Group offers our life insurance FAQ to walk you through every step of term life insurance rates & policies and ensure that you get the information you deserve.
Do I have to pay a full year at a time?
The quick answer is NO. You can choose to pay annually, semi annually, quarterly or monthly, monthly being done by automatic bank draft. Annually is the least expensive, but the most important choice is what works with your budget.
What does it cost to apply for life insurance?
The answer is nothing. Any company or agency that requires money with the application is simply using a psychological ploy to make you feel more committed to them than you need to be. Don't pay for anything until you have a policy in your hand and you are sure it's what you want to put in force.
How do I know you represent good companies?
We only quote and illustrate companies that are A Excellent to A++ Superior rated by AM Best. While we represent many companies you have probably heard of such as Prudential Financial, we may quote companies that you've never heard of that are equally or higher rated than Prudential. They have simply chosen to put their money into low rates versus advertising.
What does "subject to full underwriting" mean?
When we give you a quote, it is accurate based on the information you have provided. Full underwriting is the next step and includes an examination (at no cost to you) and a review of your medical records. Full underwriting gives a company the peace of mind to be able to offer a low rate because they've seen the whole picture.
Do I need to take an exam?
No! There are companies that will issue policies without exams. Some will issue up to $2.5 million without an exam. It's worth noting that even though you can skip the exam, they will still retain the right to review your medical records and today they have access to databases that provide information even you may have forgotten. That said, if you are exceptionally healthy and want it quick and easy, prices can be comparable to fully underwritten policies.
Is there a waiting period before life insurance becomes effective?
The answer we use around the office is "no, as long as you tell the truth and don't do yourself in". Every policy has a 2 year suicide and contestability period. During the first two years the company doesn't have to pay if the death is due to suicide or due to something that was misrepresented on the application. If you are completely honest on the application and don't do yourself in, the policy is fully in force from the date the first premium is paid until you quit paying premiums.
Is whole life better than term?
No, it isn't. One isn't better than the other because permanent insurance and term insurance meet different needs. Also, today there are less expensive ways to meet those permanent needs than whole life insurance. Keep in mind though that upwards of 95% of all life insurance needs can be successfully covered by term insurance.
What if I outlive my term insurance?
The answer is "it worked". You provided the protection during the years it was needed and you're still around to enjoy the party. If the question is really about feeling bad about being alive and having spent that money, then look into return of premium term insurance. If you outlive the term you get all of your payments back, tax free. You get to enjoy the party and you will have provided that protection for free.
Can I sell my life insurance policy?
That's called a life settlement. If you no longer need your life insurance policy, and it can still be converted to a permanent policy, there is a chance it can be sold. While that sounds quick and easy it's important to understand that for a life settlement company it's an investment. If you're still very healthy it usually isn't a good investment. You should also carefully weigh the cost of selling a policy versus keeping it if you're in poor health.
What if I've been declined for life insurance?
If you have been declined there is a good chance it was because you chose the wrong agent who chose the wrong company. It is not unusual for one company's decline to be another company's approval at an affordable rate. The right agent will gather your information and shop it to numerous companies to find the best fit for you.
How do I know if I have enough life insurance?
There are a lot of ways to determine how much is the right amount for your need. When you're considering "how much", don't forget to count your assets as a form of life insurance. While most assets are included in retirement planning, it isn't uncommon to forget that if you pass away that same asset can help your family in the same way life insurance can. Also key to planning is your budget. Don't buy more than you can comfortably budget and remember that something (life insurance in force) is always better than nothing (life insurance you couldn't afford to keep in force).
How do I know I need life insurance?
It's as simple as this. If your death would cause someone a financial hardship then you should carry life insurance to keep that from happening. Do you want your wife and children to depend on "Go Fund Me" if something happens? Do you want someone who has invested in your business to lose their money if you die?
More Questions? Check Out Our Blog!
The Hinerman Group knows that every situation is unique and it can be difficult finding the best answers. Be sure to check out our blog where you will find a comprehensive bank of topics covered regarding Life Insurance. The background covered in The Hinerman Group blog will point you in the right direction and help you get your family the coverage you need.
Want to talk? Call Ed directly at (719) 539-7914 for a FREE CONSULTATION. *Ed released the fish and it went on to have a full life. Occasionally Ed receives postcards from new waters and pictures of grandfish.