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Home insurance quotes vary massively from insurer to insurer – even for the same house. Making sure you compare home insurance quotes from different companies can help find the policy you need for the lowest cost. Not all home insurance is created equal, however, so it's important to check not just the price but also that your chosen insurer provides the cover you need. So, join us as we take a deep dive into the world of home insurance and help you get the best possible deal.
The term 'home insurance' covers two distinct kinds of policy: buildings insurance, and contents insurance. Buildings insurance covers the actual building and any permanent fixtures or sittings. If, for example, your home is destroyed by an earthquake it is this policy that will pay for it to be repaired/rebuilt. Kitchens, bathrooms, and fitted bedrooms will be covered as part of the buildings insurance, because they are a permanent part of the building and not something you take with you when you move.
Contents cover, on the other hand, insures your personal belongings; paying to replace all the things inside your home that were destroyed when our hypothetical earthquake knocked it down. Clothes, most furniture, TVs, computers, and carpets all count as 'contents'. In simple terms, if you can pick it up and take it with you when you move house, then it's covered by your contents insurance, not your buildings insurance.
If you own your own home, then you will need both buildings and contents insurance. If you have a mortgage, it's usually a condition of your contract that you have up to date buildings insurance. Tenants, however, will usually only need contents insurance; buildings insurance is the landlord's responsibility.
One of the challenges of choosing home insurance is that not all policies are the same. Not only do you need to make sure you're comparing like with like when it comes to price, it's vital to check that you're taking out cover that actually meets your needs. Some policies come loaded with extras, and you may be able to save by stripping out elements that you do not need. More important, though, is to check that you're choosing home insurance that covers you for the things you do need.
Insurance companies are businesses and need to make a profit. Part of an insurance companies profits come from setting the premiums they charge, but part also comes from reducing what they have to pay out for claims. To that end, as well as to keep down home insurance quotes for the majority who live in low-risk properties, insurers are adding more and more exclusions to their policies.
Exclusions are specific events which, if they happen, your insurance will not cover and you may be surprised about what your insurer isn't prepared to pay out for; so it's vital to check carefully. Some common pitfalls include:
– Personal belongings cover: items which you take outside of your home aren't usually covered. Increasingly, this is likely to include high-value items like iPads, laptops, and smartphones.
– Accidental damage cover: fewer than 1 in 5 insurance policies cover accidental damage you cause yourself; if you're a bit of a clutz, or you simply couldn't afford to replace your smartphone if you drop it, then finding a policy that does cover accidental damage could be well worth it.
– Home emergencies: again, fewer than one in five home insurance quotes will include this, and many don't offer it at all.
It is very important to check the excess for your policy. An excess is the amount you are required to pay yourself towards the value of any claim. Many policies have a minimum excess – often around £100 – but opting for a higher excess can reduce your premium. That said, opting for a higher excess to reduce your premium can be risky unless you are certain you'd be able to pay that amount if you had to claim; there's no point in an insurance policy with a £1,000 excess if you don't have £1,000!
The amount the insurer charges you for your home insurance policy is based on the amount they might have to pay out if you ever claim. In general, the more your house, and its contents, are worth the more you will have to pay for your home insurance. That said, it is very important to make sure that you pay for the right amount of insurance for you. If you're paying for more than you need, you're not getting value for money. If, however, you're under-insured, then you're in for a nasty shock if ever you need to make a claim.
Insurers generally use three different methods to calculate the level of contents cover:
– Bedroom rated – where the insurer works out the sum insured based on the number of bedrooms in your house. This is useful because you don't have to work out the value of all of your belongings, but it's important to ensure that the sum the policy covers really would be enough to replace everything you own.
– Sum insured – where you pay for a specific amount of insurance based on the value of your home's contents. This does mean, though, that you have to work out as accurately as possible how much your belongings are worth.
– Unlimited sum insured – does what it says on the tin, but because the insurer doesn't know the maximum value they might have to pay in the event of a claim is likely to be the most expensive option.
You can decide which of these options you prefer; however, if you use a price comparison website, it's worth noting that you will probably only be able to use the 'sum insured' option.
Most contents policies have a maximum value for any single item which they will pay out in the event of a claim. Often, this is roughly £1,500. If you have any belongings which are worth more than this – such as jewellery, or a computer, tell your insurer. You will likely need to provide proof of purchase (a receipt) showing the value, and pay an additional premium. It is vital to make sure that items like this are listed correctly on your insurance certificate when it arrives, otherwise, your insurer may not pay out if you ever need to make a claim.
The guiding principle of buildings insurance is that, if ever the worst should happen, the policy should cover the total cost of rebuilding your home; from scratch. Note that this isn't the same as the market value of your house, which could be either higher or lower. Although you can work out these costs for yourself, it is really a job for a qualified surveyor.
If you have a mortgage, you will have had a survey done when you took out your loan. If not, then you can either rely on the most recent survey you have – when you bought the house – or get a new assessment if too much time has elapsed. But make absolutely certain that you know how much you need your policy to cover, or you risk genuine catastrophe if you ever need to claim.
As with contents policies, some insurers will work out an estimate for the rebuilding costs of your home based on the number of bedrooms and insure a sum based on that calculation. Other companies will insure the specific value quoted by a surveyor. Which option you choose is up to you, however, even if your insurer doesn't ask, you still need to know the rebuild cost of your home so that you can ensure you are covered to a high enough level.
The cost of rebuilding your home will increase over time as inflation pushes up prices. For that reason, index-linked insurance policies are the best option as they increase in value in line with inflation and make sure you always have the cover you need.
There are a number of different options for you to actually purchase your insurance policy:
– Price Comparison Websites. At least 80% of people use a price comparison site to buy their home insurance. These are useful in allowing you to quickly compare quotes from many different companies, and also see reviews from existing customers. Not all insurers appear on every price comparison site, so it's important to check more than one.
– Other insurers. Some insurers don't allow their policies to appear on price comparison sites (eg. Direct Line, Aviva, and Zurich) so check directly with these companies as well to make sure you get the best deal.
– Brokers. Especially useful if you need something special – such as you are looking for insurance for a listed building – brokers will do all the hard work for you and find you a policy that meets your specific needs. Many will even represent you in the event of a claim.
– Mortgage Providers. When you take out a mortgage, you will more than likely be offered buildings and contents insurance as part of the package. Don't accept this right away though, make sure you shop around to see if you can get a better deal elsewhere.
– Other providers. Banks, credit card companies, supermarkets, and even the Post Office offer home insurance policies. Many of these appear on price comparison sights, but it's well worth keeping your eyes open for deals.
There are a few simple things you can do to reduce the cost of your home insurance; as well as some things you should never do, no matter how tempting they may seem.
Adding extra security to your home (locks, security lighting, alarm systems) can help reduce your premium on your home insurance by making break-ins less likely. Smoke and burglar alarms are vital, and a NACOSS approved alarm could reduce your premium significantly (though likely not be enough to cover the cost of the alarm).
If you've not claimed for a few years, make sure that your insurer is giving you a no-claims discount. Not every company offers this, so if yours doesn't you might want to look around for one that does.
Insurance companies are profit-making businesses and they don't reward customer loyalty. If you've been with the same home insurance provider for more than two or three years you're almost certainly paying over the odds for your home insurance. Shop around at every renewal, and don't be afraid to play providers off against each other to get lower prices. Remember, have a choice of insurer – make the companies compete for your business!
If you don't take reasonable care to answer every question you're asked fully and honestly when you apply for your home insurance policy, and the insurer finds out, they could cancel your policy and not pay out when you need to claim. Worse still, lying on an insurance application is a criminal offence and, if convicted, you would likely find it very hard – and extremely expensive – to obtain any kind of insurance in future.
Home insurance isn't exciting, or glamorous, but it is vital. Putting it off until later is the best way to make sure that you end up out of pocket – or worse, homeless – when the unexpected happens. With price comparison websites and online brokers, it's never been easier to get a great deal on your home insurance, so do it today and make sure your home is well protected at the right price.
When it comes to home insurance excess, there's no certain set amount that you'll have to pay. It differs with each and every home insurance provider. While there may not be a set amount, there is a general rule of thumb when it comes to home insurance excess. It is the amount that you pay towards a claim before your insurance provider contributes; the amount that you pay depends on the amount you set when you first took your policy out. Home insurance excess can be a little tricky to get your head around, so we've put together a guide on everything you need to know about it.
When you're looking to buy home insurance for your home that has six bedrooms, you must ensure that you've done all the necessary research on every provider available. Different home insurances will offer different policy benefits and features so it's important to know exactly what you want to be covered for.
Home insurance for empty houses, also known as unoccupied home insurance, provides cover for your home if it's left empty for a certain period of time. While you should already have a standard home insurance policy that covers you for a whole manner of things, your policy will only cover your house if it's empty for a certain amount of time (usually 30 days).
Home insurance is an incredibly important thing to invest in when you're a new homeowner. There are so many different options, comparison sites and amazing deals available to you; it can often get quite overwhelming when making your decision. No matter which provider you choose, your home insurance policy is still likely to be remarkably expensive. Therefore, it's a good idea to try and save as much money as possible as and when you can.


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Congratulations to all users of Octoin! A serious upgrade of the Octoin wallets have been completed. Now the wallets became more convenient to use. Transactions started to go faster. This is an important step in the development of our crypto community.
Attention! In order to avoid any possible problems, everyone who have downloaded the wallets and who have got the coins: you need to make a backup of your wallet in order not to lose the coins. Those of you who still have got zero at their balance can simply wait for the next update. Instructions as to how to make a backup of your wallet you can see here:
For Windows: https://octoin.com/wallet/backup_wallet.pdf
For Mac: https://youtu.be/JbmoZ4U5XyA
The users who have done the backup earlier should once again make sure that they saved a copy on their computer. After that, you can delete the old version of the wallet.
For Windows: http://octoin.com/wallet/02d.pdf
For Mac: https://youtu.be/Qt8gAxL0MR4
Next, install the updated version of the wallet and import into it your backup copy that you created earlier. How to do it (link to the instruction):
For Windows: https://octoin.com/wallet/restore_wallet.pdf
For Mac: https://youtu.be/07TVWkXyX-s
Users who downloaded their wallets before the upgrade, but who have zero balance can remove the wallets according to the instructions above and simply install the updated version.
There are available versions of instructions for Windows, Mac and Linux. Please use the links below to download, start and use your wallets:
For Windows: https://octoin.com/wallet/octoin_win_32_64_1.2.1.zip
For Mac: https://octoin.com/wallet/octoincoin-qt-1.2.1.dmg
For Linux: https://octoin.com/wallet/octoin_x86_64-pc-linux-gnu_1.2.1.zip
Thank you for your patience and support! We will continue to improve our platform. Follow the news and wait for new announcements.
Octoin is a new era of blockchain!

subset: commoncrawl


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As the Wimmera River reaches historic heights Rural Reporter Laura Poole recorded these images of the flooded region; emergency personnel in Horsham are preparing for an anticipated major flood event during late Monday and Tuesday.
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An incident control centre has been set up in Horsham in preparation for major flooding later today.
The Wimmera river at Glynwylln, near Campbell's Bridge, peaked at 8-point-3 metres about three AM Sunday morning - the largest peak ever recorded there.
SES regional officer John Hooper says the water is likely to reach Horsham sometime today.
He says there will be a risk of flooding along the river all week.
"It's just a matter of watching it, seeing what it is doing but the important thing I suppose out of all this is that the peak has never been recorded at that level in records on the Wimmera River...gives us a bit of an idea that that the flood event, that it is a fairly big flood..." He says.


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PTABWatch Bloghttp://www.ptabwatch.com/author/tduston/
PTABWatch, provided by Marshall, Gerstein & Borun LLP, analyzes and reports recent developments concerning Post-Grant Proceedings at the Patent Trial and Appeal Board (PTAB) of the U.S. Patent and Trademark Office (USPTO), including Inter Partes Review (IPR), Post Grant Review (PGR), and Covered Business Method (CBM) proceedings.
Recent Blog Posts
- "Your Call": Fed. Cir. Says OK not to Reconsider Despite Remand In Dell, Inc. v. Acceleron, LLC, 884 F.3d 1364 (Fed. Cir. 2018), the Federal Circuit determined that the Patent Trial and Appeal Board was not required to consider arguments first presented by the petitioner at oral argument, despite having remanded an earlier appeal of the Board's decision for that very purpose. In that earlier appeal, the court had concluded that the Board deprived patent owner, Acceleron, a fair opportunity to rebut new arguments petitioner Dell presented during oral argument—arguments that... More
- "Comments Anyone?": PTO Makes Proposed New IPR Amendment Process On October 29, 2018, the Patent and Trademark Office published a request for comments on a proposal to establish a new procedure by which patent owners may seek to amend their claims during inter partes review. Comments are due on or before December 14, 2018. The PTO proposes a pilot program implementing the new amendment process to begin shortly after the deadline for comments. Currently, a patent owner may move to amend once, following institution of inter partes review. A petitioner... More
- The Supreme Court Finds IPR Proceedings Constitutional Inter partes review (IPR) is a procedure that allows a party to challenge the validity of an issued patent based on prior art patents or printed publications. IPRs first became available in 2013 following passage of the Leahy-Smith America Invents Act. Some have questioned whether this post-grant review of patent validity is constitutional. Today, the United States Supreme Court declared that neither Article III of the Constitution nor the Seventh Amendment right to trial by jury precluded such reviews by... More
- Breadcrumbs Lead Federal Circuit to "Inurement" "Inurement," \i-ˈnu̇r-mənt, -ˈnyu̇r\ noun :in patent law the concept that the action of another may inure to one's benefit, esp. where the actions of another in reducing an invention to practice may be attributed to the named inventor for purposes of establishing priority of invention. The Federal Circuit recently had occasion to address this concept in the context of an inter partes review. In NFC Technology, LLC v. Matal, 871 F.3d 1367 (Fed. Cir. 2017) the Federal Circuit reversed the Board's... More
- One Fish, Two Fish, Red Fish, Enfish: Unraveling the Maze of Parallel Court/PTAB Proceedings The saga of Enfish v. Microsoft continues. The Enfish litigation provides a textbook example of the multi-pronged defense now common with the advent of post-grant review and the evolving law concerning unpatentable subject matter. Many are no doubt aware of the significant Federal Circuit decision on patentable subject matter (i.e. Section 101) which this litigation spawned. Less familiar are the parallel developments in the PTAB. Most recently, the Federal Circuit affirmed the PTAB's determination that some, but not all, of... More
- Federal Circuit Reverses PTAB's Anticipation Decision: Proof of Prior Conception Improperly Excluded as Hearsay The Federal Circuit reversed, in part, a PTAB final written decision after determining that several emails, wrongly excluded as hearsay, showed the inventor's conception prior to allegedly anticipating art. In REG Synthetic Fuels, LLC v. Neste Oil Oyj, No. 2015-1773 (Fed. Cir. Nov. 18, 2016), the Federal Circuit reversed the PTAB's finding that a prior art reference anticipated the challenged claims directed to a certain paraffin composition. The Federal Circuit determined that emails the PTAB wrongly excluded from evidence sufficiently... More
- Federal Circuit Declares Unreviewable PTAB's Refusal to Apply Assignor Estoppel The Federal Circuit continues to declare aspects of the PTAB's work to be beyond its review. Most recently, in Husky Injection Molding Systems Ltd., v. Athena Automation Ltd., Case Nos. 2015-1726, 2015-1727 (Fed. Cir. Sept. 23, 2016), the Federal Circuit, in a 2-1 decision, concluded that it lacked authority to question the PTAB's refusal to extend the equitable doctrine of assignor estoppel to PTAB proceedings. We previously reported on the Federal Circuit's opinion regarding the merits of the PTAB's Final Decision... More
- Federal Circuit Suggest Expansive Interpretation of "Adapted to" in Affirming CBM Cancellation In a recent non-precedential decision, the Federal Circuit suggested a very expansive interpretation for the oft-used phrase "adapted to." Relying upon the prosecution history, the Federal Circuit determined that the Board correctly construed claims relating to interactive video programming, and on that basis affirmed the Board's decision that the claims were anticipated by a prior art reference. Intertainer, Inc. v. Hulu, LLC, No. 2015-2065 (Fed. Cir. Sept. 26, 2016) (non-precedential). In sum, the Board's constructions correctly capture the positions that [Patent... More
- PTAB Extends a Helping Hand to Petitioner: Advising Petitioner to File Supplemental Evidence Rather Than Supplemental Information In a bit of "inside baseball," the PTAB recently clarified the difference between supplemental evidence and supplemental information. Practitioners would do well to give careful attention to this distinction. The difference can have profound consequences to an IPR Petitioner. In Generico LLC v. Dr. Falk Pharma GmbH, IPR2016-00297, Paper No. 15 (July 15, 2016), the PTAB entered an order regarding the conduct of proceedings. The order addressed the Petitioner's request to file a motion to supplement information pursuant to 37 C.F.R.... More
- PTAB Finds Motivation to Combine References, but Cancellation Comes Too Late for More than 200 Defendants On July 6, 2016, the PTAB cancelled claims in a patent which had bedeviled more than 250 named defendants in litigation dating back to 2008. The list of defendants reads like a Who's Who of financial and commercial businesses, including the nation's most prominent banks, credit card companies, online stock traders, e-Commerce retailers, cable and telecommunications companies, airlines, and even all twelve of the nation's Federal Reserve banks. Any plans the patent owner had to continue its siege of these... More


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Go Back
Go To Articles Directory Home Page
To get the current article, - See Below (at the bottom of the page) -.
For top news titles, see below.
Web sites and videos listed in this page are frequently updated.
If you find that this page is useful (quality of web sites, images and videos, ...), you can add it to your favorites.
Bookmark Page !
The disadvantages of adsense
As adsense becomes the most popular publisher program for Price per Click advertising, flaws and disadvantages still exist. Since its inception advertisers have chosen to advertise in search because they felt that visitors would be less targeted. This is a genuine concern and one that makes perfect sense. If you are visiting a website, and notice an advert then the chances are you are not particularly concentrating on its content.
About the Author: John Ugoshowa. For more information about affiliate marketing see the affiliate marketing section of The Free Ad Forum at: http://www.thefreeadforum.com/infowizards/CAT/Affiliate-Marketing_68_1.html


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Joint Finances
About The Video.
Joint Finances: A video from the Ombudsman highlighting -
- Become aware: The financial world is complicated. It is up to you to make sure you know and agree with every decision made that affects you individually and as a joint financial partner.
- Recognise the power of love: Loved ones will often do things just because you ask them. It is up to you to make it clear (to your partner) that a sensible approach to protecting each other is just a practical issue. Good financial sense does not mean a lessening of affection.
- Be happy: You have a responsibility to yourself and your loved ones to be happy. Take it seriously.
What's Next?
Talking about money early-on in a serious relationship can seem daunting. A basic fear of spoiling the romance can cause people to forget all about logic reasonableness. Sometimes it's even hard to know how to bring up the subject of money.
Making a will is not only a very good thing to do generally it can be used as an excuse to bring the whole question of finances into the open. Making a will allows you to formally list all of your assets and dictate how you want them dispersed in the event of your death. It is a great doorway into a tricky conversation. Plus, it is only natural to take advice from your partner and discuss how they think you should deal with your money.
As a final persuader, you can use some advice that I was given many years ago. To justify the need for a contract between two friends simply look to a time when one of the friends dies. The death itself would be tragic but it would also mean that strangers (the estate) would now be part of any partnership. At this point it would be best all-round if there was a legal document that could be relied on to express the exact wishes of the deceased friend. It is, in-itself, a protective measure.
From making a will, to getting a 'Cohabitation Agreement' is a small and logical step. A cohabitation agreement sets out exactly what is owned by each person and perhaps more importantly it can be set in terms of a percentage.
For example if one of the partners puts more money into the purchase of a house this can be reflected in the agreement which in turn would mean a proper return in the event of the house being sold. Also if one of the partners brings debt to the relationship it can be recorded and it can outline the financial responsibilities of both partners in terms of who contributes (financially) to what.
A cohabitation agreement is a simple idea but it needs to be drawn up by a lawyer with experience in these matters. It is also vital that each partner has their own lawyer for advice.
To conclude. All of this may seem like a lot of bother and hard work. BUT it is nothing compared with the potential problems should things go wrong and the relationship breaks down. As unromantic as it seems get it sorted from the start.
How Can We Help?
As a member of 469BCe.com, you will have, one-to-one help in setting up and managing your joint finances.
If you need help with a Will and/or Cohabitation Agreement email me today and I will help.
No-matter what the circumstances I or one of my group of advisors will be able to offer concrete advice and 'hands-on' help.
1. No specific advice can be given or implied.
2. James and 469BCe.COM not authorised or approved for the direct selling of any financial products and/or services.
3. All of my services are free. I can, by your request, introduce you to professionals in the financial services industry and may at that point be paid an 'introducer fee'.
My use of this video in no way implies that I have the support of Slater & Gordon. It's just a helpful video.
This video from Slater & Gordon highlights -
If you would rather not approach a solicitor directly email me today and I will help.


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Linda K.
I have now done 13 treatments with your foot spa, I wanted to wait a few months to leave my foot bath review. I find that I now have a lot more energy, my bowels move easier as well. I also have a HUGE reduction in pain from my muscles and joints. It also gave me a jump start on losing weight. I have lost 8 lbs in 2 months while using your detox footbath. My fiancé is also now using the foot spa, he says he sleeps better and has more energy throughout the day. One of the best things is his snoring has subsided as well!!! Thanks!


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Aimed at offering encouragement for people, particularly Christians, going through the tragic experience of divorce. Therefore whether or not you do qualify for the Mutual Consent Divorce in Maryland, or you don't qualify for the Mutual Consent Divorce in Maryland, the emotional and monetary benefit to promptly going through the problems, settling the issues, reconstructing lives sooner rather than later, is a worthy purpose. Based on its discretion, the court may order funds to cease at age 18, regardless of graduation date or any other elements.
Mediators are reporting that the events, conscious that the mediator is also an skilled legal practitioner, are desirous to know what a courtroom would do if they have been not to agree between themselves. This law additionally applies to a courtroom case you may have to later carry to enforce any part of the divorce or custody order that the other partner is violating. While attorneys supply the most effective recommendation, a superb accountant can complement an legal professional on fianacial issues.
MY Story is equivalent, just change the 2 boys to my 2 ladies, and you've got it in a nutshell, thanks for sharing, i shall hold onto the hope and your story with the mindset that things will get better after this divorce. Just a heads as much as your readers: in some states mediators can't prepare the precise divorce paperwork, she or he will solely be able to assist the parties attain an settlement on the terms of the divorce. In some circumstances, the lawyer will demand SBP protection even when it makes absolutely no sense. The Fairfax Public Law Library is situated in Suite one hundred fifteen of the Fairfax County Courthouse and has computers to entry web sites and resources to research divorce in Virginia.
Each state permits completely different technique of serving divorce papers on a partner, similar to personal service by a legislation enforcement officer or course of server. After the Revolutionary War, divorce legislation within the United States continued to develop regionally. I thought-about that this was wholly poor and that there wanted to be a great deal of co-ordination between the 2 court circumstances. If it had been love he by no means would have requested for divorce but, supported you to try to enable you to heal.


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This is a step by step 'tutorial' for the finished project located here: [link]
[Above] I'm using a 1×12 to build this chair, I'm actually building 6 chairs, but just add the plurals where needed. I began by cross cutting the board in half to make it more manageable.
[Above] I ripped the board into 3 inch strips. These are pretty much the standard width for most of the pieces. A 2 inch strip is left over, but part of it will be used later.
[Above] The chair requires pieces in the lengths of 15-1/2, 16, 17 and 30 inches. I used a stop block clamped to my rip fence to keep the lengths accurate.
[Next 3 pics] Since my router table stops at 29 inches, I clamped a stop block extension on the underside of the router table. It was sort of spur of the moment and it actually gives me an idea for a much improved model.
[Below] The curved back is made from 3 pieces of luan plywood. I wanted to get the first bent lamination glue up going so that I could work on the rest of the chair while it sets up. The strips are cut at 4-1/2 inch x 24 inch.
[Below] One 24 in. x 48 in. sheet of luan yields enough for 3 chair backs plus one piece with a tiny bit of waste.
[Below] Except for the seat, this is the wood that makes up the chair.
-- Ni faru ion el ligno!


text: Scripture studies are a weekly assignment for every student at the Rock Master's Commission. Each week, students pick a passage of Scripture that they personally want to study and internalize. They then complete a thorough assignment on that passage, including a weekly essay explaining their findings and how they're applying that Scripture to their personal life. Students will also be tested on the memorization of four Scriptures each week. This aspect of academic training helps students to not just read God's Word, but to truly study it and make it their own. Much different from a church-attendee's Christian education program, RMC's Scripture study approach teaches each student to deeply delve into the Word of God and apply Biblical principles appropriately to every arena of life.


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Puberty (or adolescence) is the time when a child begins to change into an adult.
The changes affect the way people look, feel, think, and relate to others.
Some of these changes might feel great, while others may be confusing or feel uncomfortable.
Puberty usually happens between the ages of 9 and 16. Many boys will notice changes around the age of 12 or 13. Many girls will notice changes around the age of 10 or 11. It's different for everybody. Puberty will start at the time that is right for each person.
NOTE: Everyone is not the same.
It is important to understand that general information about body changes and the reproductive system is not true for everyone. A small percentage of people are intersex – they have natural variations from conventional 'female' or 'male' bodies, including genital, chromosomal and/or a range of other physical characteristics. This is totally normal. Also, some people are transgender and so their gender identity may be different from the sex they were assigned at birth.


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One of Joe's favorite soups is broccoli cheese which inspired this cheesy vegetable soup you can make in your crackpot. I'm not always a fan of creamy soups but I love this one! It's cheesy and rich without being too heavy and it's packed with vegetables. The sharp cheddar combined with the carrots and red bell pepper give it this beautiful color. I decided to puree the soup after cooking in the slow cooker to give it a smooth texture but if you don't have a stick blender or prefer chunky soups, you can skip that step and the soup will be great. It will be delicious as a leftover lunch too, in fact I'm tucking into some for an early lunch today!
What to buy (serves 4-5):
- 3 tablespoons butter
- 1 cup yellow onions, chopped (I used 2 onions but they were pretty small)
- 1 cup carrots, chopped (I used 4 carrots)
- 1 cup celery, chopped (I used 4 stalks)
- 1 cup red bell pepper, chopped (I used 1)
- 3 garlic cloves, minced
- 4 cups chicken broth
- 1 baking potato, chopped (I didn't peel mine but feel free to!)
- 1 tablespoon basil, finely chopped
- 1 tablespoon parsley, finely chopped
- 2 tablespoons flour
- 1 tablespoon cornstarch
- 1 cup milk (I used 2%)
- 2 cups sharp cheddar cheese, shredded
- salt and pepper, to taste
What to do:
- add butter to a pan over medium heat and add onions, carrots, celery and garlic, stirring for about five minutes until tender
- add onion mixture, potato, herbs and chicken broth to crockpot and cook on low for 4-5 hours or on high for 2-3 hours
- mix milk, cheese, flour and cornstarch until combined and add to crockpot, stirring to combine and cover for 10-15 minutes
- using an immersion blender, puree soup until smooth and serve hot, seasoning with salt and pepper


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Shipping & Tracking
Shipping costs are based on your Order quantity and the shipping method you choose. We offer different shipping options
Tips:If you need special shipping method or need to be sent to your China agent, please contact us by firstname.lastname@example.com
There are two key factors which will affect the time you receive your items.
1) Item processing time
After receiving your order, we require some time to test the product to ensure its quailty. The exact processing time varies depending on the item. The average procesiing time is 2 working days but this can also be affected by the item's stock status. For small quantity orders, the processing time is 1-3 days while larger quantity orders may require 2-5 days.
2) Shipping methods:DHL UPS and TNT etc...
Estimate Transmitting Time
Express Way by 4-7 days for transmitting,
Shipping Arrangement Time
Opening Time: (UTC+8)
Mon-Fri: 9:00 to 20:00
Sat: 9:30 to 17:00
(You can chat with us online during this period)
* Except holidays


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This blog will be written in 3 languages. Depending om how I feel or what the information to be shared is, I will use either Swedish, Finnish or English. Many of my Swedish speaking followers have been asking for Swedish texts, Finnish speaking followers for Finnish texts. Now you will get it 🙂
Archive Page 2
From now on, från och med nu, tästä lähtienPublished December 19, 2014 Uncategorized Leave a Comment
A year has passedPublished December 19, 2014 Uncategorized Leave a Comment
It is christmas and the new year 2015 is around the corner. Some of you are following me on twitter, but even there not much has been happening lately. I have been very quiet for a long time. Not that there wouldn't be anything interesting to tell you. You can write almost about anything and make it sound interesting. I just haven't been really into tweeting "just did an awesome bikeride" or "just had a tasty lunch at Kempinski" or something similar. I mean, who really cares about that. So I have not had any great ideas and no subjects to write about lately. I am just an ordinary person now. How boring does that sound! Let's make this text a bit more interesting.
In a year a lot can happen and let me review the year a bit. I was working with an awesome group of female bike riders here in Qatar during springtime. I planned the cycling program for Aspire for the girls multi sports department. I gave a UCI cycling coaching course in Dubai where 30 ladies learned how to coach. I spent a month in Switzerland at UCI's hedaquarter and became a UCI Diploma Cycling coach.
So very much cycling has fit into this year, and next year will continue to be very cycling focused. More information to come…
Looking for winterPublished December 17, 2013 Uncategorized Leave a Comment
We are going home for Xmas! I am looking so much forward to go cross country skiing. There is not that much snow in Black forest, but with a little bit of luck it will snow on Thursday. I am checking the weather forecast all the time and hoping the temperature curve will stay under the 0 degrees line. This means snow!
The biathlon stadium on http://www.notschrei-loipe.de should have artificial snow, so skiing will be possible. Yeah!
InjuredPublished November 26, 2013 Uncategorized Leave a Comment
Bummer, I have an injury. A couple a weeks ago I was out stand up paddle boarding (SUPing). First I thought my hip got really tired from it and the muscles became sore. This soreness never really disappeared and the complete knock out was last Friday when I did a 10km run. After 3km I should have stopped because of the pain, but as a former athlete and a person who never gives up I continued. The result from this is now complete rest and some voltaren.
After 3 days of no exercise I almost start to climb up the walls. This morning my husband helped me to carry down our to the beach, so there it is waiting for me. Now off to work at Aspire and as I come back I will go out paddling…. 🙂
Women cycling in QatarPublished November 14, 2013 Uncategorized Leave a Comment
As many of you know the Worlds in cycling road racing is taking place in Doha in 2016. Qatar is hosting another big sport event. Qatar has a men's team, they have boys, but until now there has not been any girls riding their bikes. This has now changed. As some of you might remember, the cycling federation started a project last spring. Our goal was to get a group of girls who wants to ride their bikes. We have now reached the next step of the project. We have a group of 10 girls and training can start.
Cycling has been my life and it is my life and now I can share my experience and knowledge to these girls by being their coach. Qatar's national team coach.
Mesaieed MTB TTPublished November 12, 2013 Uncategorized Leave a Comment
GMC Triathlon Series DohaPublished November 9, 2013 Uncategorized 1 Comment
The sport of triathlon has arrived in Doha! It is about time. UAE has come a bit further when it comes to organizing sporting events, but Qatar is doing really well now. With GMC Triathlon Series (4 events during this winter) and the first ever Marathon, which will be held on 10.1.2014, all leisure time athletes will have a goal to aim for.
Today' striathlon was organized by TriClubDoha. This club was founded last spring and they did a great job to make all things go smoothly in Aspire park. The swim was in Aspire Academy's pool and we started with 30 secs intervals. I do prefer mass starts, because in a pool things usually become a bit stressful when trying to overtake slower swimmers. My swimming was not super today, but also not too bad. I knew that the pretty technical (lot of corners) cycling course would suit me. Anyway, I think was a bit too sure about myself and not paying enough attention to the different road surfaces in the cycling course. I came a bit too fast into the first R/A and almost slipped away. After this incident I had more repect for the slippery clinchers 🙂
I was quite happy about my running. It felt very good and I had a good 3'45" pace. If you want to have a look at the results, here they are.
After doing 2 triathlons and 1 aquathlon I start to know Doha's triathlon community. It is very international with people from all over the world. I like this as you can learn so much from other people and other countries.


text: URMC / School of Medicine & Dentistry / Alumni / Rochester Medicine / Blog / May 2016 May 2016 Her Rightful Place: Barbara Iglewski Inducted to the National Women's Hall of Fame A highly cited scientist by the Institute of Scientific Information, she has authored or co-authored more than 150 articles. Later, she became the first female to serve as UR vice provost for research and graduate education. Transforming the Care of Patients With Long QT Syndrome: Paper Chronicles Arthur Moss' 45 Years of Scientific Contributions Paper chronicles Arthur Moss' 45 Years of scientific contributions. The Next Milestone: Pediatric Operating Suite and PICU Will Complete Vision of a Standalone Children's Hospital Phase 2 of the Golisano Children's Hospital will include a Pediatric Operating Suite and PICU, giving surgeons an optimal space to practice, and students an exceptional classroom for learning. Embracing a New Stage: New Golisano Children's Hospital Provides Ideal Platform for Teaching and Learning The new Golisano Children's Hospital provides a superb educational platform for students, residents and fellows.


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TEA AND SOPHROLOGY – How drinking tea taps…
A new report from the Tea Advisory Panel (TAP)[1] reveals for the first time how making a… Read More
Effects of Tea Consumption on Measures of Cardiovascular…
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text: Anita Lavorgna will start working as lecturer in Criminology at the University of Wolverhampton in September 2014. She has recently completed a traineeship at Europol, and serves as co-editor of The European Review of Organised Crime (EROC)—an editorial project born under the aegis of the ECPR's Standing Group on Organised Crime (SGOC). Anita received her PhD in International Studies in April 2014 majoring in Criminology. She completed a dissertation on the relationship between traditional transit crimes and the Internet. During her PhD she spent periods as visiting scholar at VU Amsterdam and Rutgers University, and as visiting research student at Jill Dando Institute of Security and Crime Science, University College London. Her research interests include global criminology and cybercrime, and she has published on organized crime in international journals. She has an LLM with honors from the University of Trento.


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Taco Stuffed Peppers Taco Stuffed Peppers
Ground beef is a versatile ingredient that can be used in so many ground beef recipes, such as tacos, sauces, skillet meals and more. Check out all these exciting recipes for ground beef.
By creating a profile and answering a few questions, we can transform your experience on Ready Set Eat into one that's tailored to your cooking style and tastes.Personalize My Experience
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UPDATE: We have since updated our quiz format. Please refer to the new quiz guide here!
Hi BuzzFeeders!
In the past, quizzes could only be created by BuzzFeed Staff. Starting TODAY, Community members can make quizzes as well! If you're not already a member of the BuzzFeed Community, you can sign up for an account here.
Please note that BuzzFeed is no longer supporting new posts from Community Brand Publisher accounts, which include any accounts with a political, commercial, or self-promotional agenda. You can learn more about our new guidelines for brands and Community accounts here: http://www.buzzfeed.com/community/brands
This is a detailed "How To" guide for creating quizzes using the BuzzFeed CMS (Content Management System, or posting interface).
Overview: Types of Quizzes
A Standard Quiz has one correct answer out of several and tells you whether you got the answer right or wrong as you go through the quiz. You can add a reveal on each question, where you'll explain what was wrong/right. Here's an example of a Standard quiz without reveals, and here's an example of a standard quiz with reveals. The Standard is good for Trivia quizzes.
A Single Question Quiz is just that. A quiz can have one Single Question (example here), or many Single Question quizzes within one post (example here).
A % Correct Quiz doesn't tell you whether the answers are right or wrong as you proceed, but it tells you at the bottom what percentage you got right. You can use this as a different kind of personality/trivia hybrid quiz by customizing the results to describe what you are based on whether you were able to get the right answers. Example here.
A Personality Quiz is our most popular quiz. You choose from answers that have been assigned to different results, and whichever result you choose the most answers aligned to, you get! Example here.
A Checklist Quiz allows you to pose a single question and list dozens or hundreds of possible answers that people can check off and then share the number they checked off. You can also write custom results for different range. This quiz format is text-based. Example here.
An Image Checklist Quiz is the same as a text-based Checklist quiz, but image- based! Example here.
Quiz Tips (straight from the BuzzFeed Editors):
Here's a useful step by step guide for Personality Quizzes:
Step 1: When starting to think about your quiz, come up with your results first.
Step 2: Add results in CMS.
Step 3: Add your questions.
Step 4: Add answer options for each question.
Step 5: SAVE SAVE SAVE.
TL;DR: Quizzes are great! Have fun!
If you have questions, email the Community team (firstname.lastname@example.com). You can also find the BuzzFeed Support Team on Twitter.
A Step-By-Step Guide To Making A BuzzFeed Post
How To Make A BuzzFeed Poll
Image Resources Guide


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Wednesday, 18 Jul 2018 10:34 GMT
Consumers are able to access and pruchase print easier than ever before
Web of opportunities
Print is enjoying something of a resurrection at present and industry experts have cited a number of key reasons for this. While some have highlighted the uptake of print in marketing campaigns, others have picked out the ongoing development of digital print as a major driver behind print's re-birth.
Arguably, one of the other main factors that has contributed to a more positive print industry is the internet, with consumers now able to access and purchase print easier than ever before. Web-to-print is a key tool for many print companies as they seek to take advantage of this trend and gain business from a new breed of customer.
Here, we examine the key benefits of having a web-to-print system in place, and speak with some of the leading names in the market to find out more about this technology and why it could be worth investing in.
Gaining an advantage
Vpress is one of the key players in this market, with Kelvin Bell, sales director, saying: "The future looks bright for web-to-print as customer expectations grow. Globalisation has provided so many opportunities to reach new markets anywhere in the world, but with that also comes the expectation to be 'always on'. The requirement to access everything online 24/7 in any language from any platform or device is now the standard, not the exception. With web-to-print in place any printer can now perform in that global arena.
"It is a vital marketing resource management tool, using data and images to produce high-end, personalised content that's ideal for print. Web-to-print's future could also see printers bypassing the traditional management information systems (MIS), but whatever happens, it is essential that integrations with ERP and CRM platforms become the norm and included for the customer—from here, web-to-print can really excel with personalised items that offer instant and real pricing at any time of day or night."
Digital and litho trade print specialist Route 1 Print is one of many print-service-providers (PSPs) that operates a web-to-print system. Adam Carnell, managing director at the company, says trends within buyer behaviour show that consumers are making the move to online purchasing, which in turn makes a web-to-print system so important for the company.
"It gives you the opportunity to serve large numbers of people without being held back by your geographic location," Carnell says, adding: "Furthermore, as a web-to-print system enables you to serve more customers, you gain the advantage of economies of scale due to the mass market approach.
"Here at Route 1 Print, we serve thousands of companies a week by using our website as our sales team. Consider how many people would be needed to match this without a web-to-print system in place. The web-to-print technology does drive the business as it allows us to be more efficient when serving customers."
Carnell offers further insight into the web-to-print set-up at Route 1 Print, explaining how the system integrates directly with the company's MIS, thus creating a simple process for customers to order and receive their print.
"At every point, it transfers data meaning that we have some features that we wouldn't be able to utilise if we were selling face-to-face," Carnell says, adding: "This data gives us insight into what is working, where we can improve, and also if we have any issues. This all helps us to speed up the processes we have.
"For example, our 30-point artwork check can be done in under a minute instead of waiting for this to be manually set up. If approval is given instantly then our artworkers will do one last manual check and it will hit the press."
With this in mind, Carnell goes on to issue a warning to companies that do not have some sort of web-to-print system in place, saying this could be costing them profitable work.
"The first obvious danger is the cost of not implementing one," Carnell explains, adding: "To serve large quantities of customers, you can either use a web-to-print system or have a large team to manage the service.
"Secondly, the data provided by the web-to-print allows an order to be placed and passed through the system onto the factory floor almost instantly, rather than physically creating a job ticket and manually transferring it to the printer. Therefore, a web-to-print system can streamline the process and pass print jobs from one person to another more efficiently."
Make it work for you
Elsewhere, Wayne Beckett, sales and marketing director at Imprint Business Systems, also speaks about the benefits of integrating web-to-print with MIS. Imprint specialises in MIS solutions and is able to connect with all web-to-print systems.
Beckett says: "I think we would all agree that receiving orders from the internet is a great idea. The internet is vast and can open the door to millions of potential customers who can simply pick a product, or upload some artwork, pay for it, and send you the order.
The internet is vast and can open the door to millions of potential customers"
"Many, if not all, PSPs dream of having a web-to-print system that sends them hundreds of pre-paid orders every day, who wouldn't? But the reality is, it's not quite that simple.
"The first thing I discuss with PSPs is what do they want to achieve and what is the benefit for their customers? To go down the B2C road, for most PSPs, would be far too competitive, there are far too many of the big boys out there offering 500 four-colour business cards for £10, therefore the best route initially would be for B2B customers to have a system whereby they can call off stock products and place fairly straight forward orders online.
"This creates two kinds of orders, pre-produced stock items where the order received will be a simple pick and pack and production jobs where artwork needs to be received and produced."
Beckett goes on to say that this works well and gives the PSP an added benefit for existing and potential new customers for working with them. However, when the PSP has received the order, this is where issues can crop up.
Beckett expands: "I would guess a large amount of PSPs that have gone down the web-to-print route haven't yet integrated their system with their MIS, so when they receive an online order all they get is an email and the automation stops.
O Factoid: Although the origin of the phrase 'web-to-print' is unknown, the term came to the attention of the online community in a 1999 article by Jim Frew. The piece, first published on Webmonkey, offered advice to web designers about desktop publishing and print from commercial, technical, and design aspects. O
"The World Wide Web is now a standard interface for any individual or customer to order any product or service. As customers, we want to avoid spending time talking to a sales rep and want to get straight to the point: what is available, what is the price, and when can I get it?
"PSPs without web-to-print risk losing customers to a competitor that makes it easier for them to order or have a better experience."
PSPs without web-to-print risk losing customers to a competitor that makes it easier for them to order or have a better user and customer experience"
With this, Hanssens draws attention to how Caldera can help PSPs. Caldera offers tailored web-to-workflow solutions where the company works in project mode on shaping a web-to-print that is best suited for the PSP.
Hanssens says: "We have noticed that each PSP has their own unique workflow adapted to the device configuration they have in place. We are moving from out-of-the-box products to a hybrid core product and project, which is much more suited to what our customers are asking. What they are looking for is something fitted to their need, something scalable and modular, and also something that is simple and effective."
The message is seemingly clear: ignore web-to-print at your peril. Although a lot of PSPs continue to prefer a face-to-face approach, the benefits of web-to-print are almost impossible to ignore.
Beckett of Imprint concludes: "A good web-to-print system can offer some massive benefits for your customers, but the secret is to make the system work for you. Software integration can make a massive difference not only to your workflow, but ultimately your bottom line."
The International Sign Association-UK (ISA-UK), formerly known as the British Sign & Graphics Association, has announced details of a new award scheme that will begin later this...
With customer demand for faster turnaround on the rise, Rob Fletcher looks at some of the latest developments in high-speed digital printing to see how this kit can help print...
Rob Fletcher talks to Dave Purcell, sales director at DIS Group, about the company's work with Premier League football clubs and its drive for further growth...
With print-service-providers constantly on the lookout for ways
to enhance their production, Rob Fletcher looks at how new
technology can help companies improve... .. ... ... ...
Computer-to-Plate systems still play an important part
in the industry. Genevieve Lewis discovers some of the
latest products to come to market ... .. ... ... ... ... ... ... ... ... ..
Bookletmaking remains a staple part of many printing companies across the UK. Rob Fletcher takes a look at the latest technologies in this market... .. ... ... ... ... ... ... ... ... ... .
Colour management systems ensure that you can promise consistent, accurate colour, every time. Summer Brooks talks to those pioneering quality colour management systems
... ..
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Classic Men's Fur Hats
Men's Sheepskin Hats
Russian Cossack Hats
Men's Fur Fedora Hats
About our Classic Men's Fur Hats
The classic winter hat category features traditional high quality warm winter hats for men. Made with superior materials and detailed craftsmanship. Choose from classic Ear Flap Hat styles. Including several Trapper Hats, retro Elmer Fudd Hats, traditional Cossack Style Hats and classic Jockey Style Fur Hats , including the muskrat jockey hats worn by RCMP Canadian Police officers. These stylish and functional hats can be worn with the ear flaps down for extra warmth and style or with flaps up for a more conservative look.
Man oh man, from the timeless Shearling Sheepskin Captain hat to the super-stylish New York mink fur gangster hat, nothing says masculine sense of identity more than a handsome genuine Fur Hat. As stylish as they are serviceable, these dapper chapeaux are available in a slew of different styles, including classic trapper hats, Cossack-style hats and the jockey-style fur hats that are favoured by many Canadian police forces. Or ditch convention all together and set yourself up with a mink fur fedora cap with ear flaps, or the guaranteed conversation starter that is a shearling sheepskin Elmer Fudd hat. All are made with high-end materials and constructed according to the most exacting standards of detailed craftsmanship.
The classic winter hat category features traditional high quality warm winter hats for men. Made with superior materials and detailed craftsmanship. Choose from classic Ear Flap Hat styles. Including several Trapper Hats, retro Elmer Fudd Hats, traditional Cossack Style Hats and classic Jockey Style Fur Hats , including the muskrat jockey hats worn by RCMP Canadian Police officers. These stylish and functional hats can be worn with the ear flaps down for extra warmth and style or with flaps up for a more conservative look.
Our vintage trapper fur hats are made from 100% genuine fur pelts. These great hats can be either worn with the flaps up, or the flaps down. Although very similar to aviators and russian styles, these fur trapper hats have their own very unique look.The exterior can be made of either leather, sheepskin or felt and the flaps made from beautiful mink, fox, coyote or raccoon fur!
Mink fur is one of the most elegant, sought after furs in the world. The assumption is that mink fur is a womans fur, however these great mens mink fur hats prove that mink fur is for men too! Colored mink fur in many different styles to choose from. Enjoy winter and walk around in style with one of our fantastic mink fur hats. The American Mink's fur has been highly prized for its use in clothing because of its look of luxury. Short, shiny fur that is perfect for making stylish head wear. Mink goes with anything, enjoy a mink fur hat in a variety of different colors and never think of winter the same!
Recent Reviews About our Classic Men's Fur Hats
Brian from Mukwonago, WI, USA
November 22, 2019
"Great hat. Looks sharp, quite warm. Be sure to measure your head - with the ear flaps stored within the hat, the fit is rather tight, although I suspect it my loosen with time. Very sharp, well-made; I expect many years of useful wear!"
Jesse from Guelph, ON
January 25, 2019
"I'm super happy with my new Shearling Trapper. The advice on sizing via chat was accurate and helpful. My 61cm/24" head fits in the XXL to a tee; I was concerned because I was right between sizes on the chart. Size up for sure. They'll definitely need to be making bigger sizes soon, because my head is not monstrous! The free shipping got it to my door in two days. The hat seems very well made, nicely stitched, nice leather. Chin strings could be longer, I had to untie the knot at the end of them to tie a bow under my chin. The colour is slightly darker than in the photos, which is good, not so lemony yellow. My wife doesn't think I look like the model at all, but then I bought this hat to walk the dog in the minus 20C, not to loll around the house looking good. Anyone else out there will doubtless admire me greatly!"
Big Ed from Terre Haute, Indiana, USA
January 17, 2019
"A unique hat! Sizing was perfect, although putting down the ear flaps does make the cap appreciably smaller. On the other hand, maybe that is to make the fold-down fit tightly against your ears and the back of your neck. Regardless, I think this is the first "Ivy League" cap I ever encountered that was deep enough to fit right. Usually they feel they are going to slide off the top of my head unless I get a much larger size, but not this cap. The cap is VERY warm, so much so I need to remove it in a heated car. But outside it is perfect."
Morning Glory from Racine, WI, USA
December 31, 2018
"Shortly before Christmas, my 87 year old Father and I were reminiscing about my childhood and I commented about the handsome authentic fur Cossack hat he used to wear. He loved that hat and I didn't understand why he stopped wearing it over 20 years ago. I asked him why and his answer made me laugh - - "It wore out and local stores no longer sell them." The next day, I searched online and found Fur Hat World. The brown Moutan Sheepskin was sold out so I upgraded to Beaver. When he opened his gift on Christmas Day, he lit up with joy and put it on immediately. He marveled at the quality and softness. It is both elegant and manly. As I took his photo, happy childhood memories of family outings with Dad wearing his Coassak hat made me smile. Thanks Fur Hat World!"
Mark from Aurora Minnesota USA
November 15, 2018
"this is one of the finest hats i have ever bought workmanship is superb and sizing right on. norther minnesota gets really cold -40 and this hat will fit the bill when it comes warmth."
JC from England
November 9, 2018
"This arrived early and well packed. The cap fitted perfectly and the warm snug fit was everything that I wanted. The pull-down ear flaps stay close to the ears for warmth and wind protection without changing the fit of the cap. I am most impressed and will be using FutHatWorld again."
Classic Men's Fur Hats average customer review rating
Priced from $0.00 to $599.98


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Product Types: 16pt AQ, 16pt UV, 16pt Matte, 19pt Matte, 19pt AQ and 19pt UV Gloss
Upload print ready files in PDF format before cut off time 10:00 AM EST and we will print and ship the cards the same business day. shipping time to most places in Ontario and Quebec is one business day and outside of Ontario and Quebec varies between 2-5 business days. Express shipping is available for an extra charge.
Color: Printed full color 1 side (4/0) or 2 sided (4/4) CMYK
Quantities: Ranges from 100 to 500
Finished size available: 3.5x2 for business cards and 4x6, 5x7, 4x9, 2x8, 5.5x8.5, 8.5x11 for postcards
Finishing: Cut to size and box.
Quality: 300 DPI
Turnaround: Same Business Day Printing (See FAQ for Turnaround)
Accepted File Type: PDF files without crop marks
Layout Templates: Click HERE
Cutoff time is 10:00 (AM) Eastern Standard Time
Need Same Day printing? At Zoom Printing we now offer same day rush printing on Business Cards. Place your order during the evening or morning before 10AM EST time and we will print & ship the cards the same business day!!! Coming Soon: Same day pick up will be available soon from our Toronto office.
Design Requirements:
PDF format - Please include extra 0.25" total bleed with any artwork size. Files without 0.25" extra bleed will be rejected. Safe area for text and objects is 1.75"x3.25"
Save in CMYK color mode.
Resolution - Minimum of 300DPI
Please DO NOT include crop marks


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Control Twitter with Vtiger Social
Used effectively, Twitter is a powerful tool that can lead to improved lead generation, customer service and sales.
However, not used properly, Twitter can be every sales manager's worst nightmare.
Mishandling Social Media
Some companies deal with their insecurity about social networking by simply ignoring it. That of course, is not really an option. Even if the company holds their employees to a strict policy of not engaging on social media, their clients are under no such restrictions.
And companies are right to be wary of mishandling social media. Even the big brands get it wrong from time to time like the famous and long-lasting PR disaster that is MacDonald's #McDstories:
Like, for example, the employee from DiGiorno Pizza who did not understand the intent behind the anti-domestic violence hashtag #whyIstayed when s/he tweeted "You had pizza".
The answer of course is neither to ignore Twitter nor to let your employees have free rein to post what they like on behalf of the company.
Twitter integration – Social Vtiger CRM
Vtiger's Twitter integration offers insight into your customers social activities and all mentions of your company and/or competitors in real time. Through researching the keywords and queries of your customers and competitors you can create records to take action.
Posts Dashboard:
- Leads
- Events
- Tasks
- Opportunities
- Cases
- Reply to posts
- Add a tweet to your favourites
- Undo a retweet and delete posts that aren't relevant
- Create Search Streams – here you focus on tweets from a specific customer or competitor. You can specify keywords and hash tags they must mention or not mention and these will display in the dashboard.


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The good news is, there are many great alternatives to Trade360 available to you in Slovakia! Our best rated broker for you is:
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Muffins Large Banana Walnut
Heaps of walnuts and banana chips are folded through this buttery gem.
Quantity per pack:
6 per pack
Shelf Life:
3-5 Days
Free next day Delivery
Free delivery for orders over $80 within 20km of the CBD. We deliver our cakes and sweets Melbourne wide.
Next business day delivery for orders placed before 12 midday Mon - Fri (Public Holidays excepted).


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It's Friiiiiiiiiiiiiiiday!!!!! Today I have another Essence polish I picked up at Ulta a while back. When I saw Gorgeous Bling Bling I thought to myself "self, this is perfect for fall.". Anywho, Gorgeous Bling Bling is a really nice burnt orange with gold shimmer throughout. The glitter/shimmer on this one isn't as prominent as some of the other Essence polishes. It seemed to get sandwiched between the layers. Still visible and still very pretty. It's a little more burnt orangey but just this bright in real life...if that makes sense.
These particular Essence polishes retail for 1.99 for a 5ml bottle. Have an amazing weekend!!
Essence: Gorgeous Bling Bling
Friday, November 30, 2012 1 comment
1 comment:


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Rockbox mail archiveSubject: Re: Rombox on 2.5?
Re: Rombox on 2.5?
From: Jens Arnold <arnold-j_at_t-online.de>
Date: 2005-08-11
Hello [IDC]Dragon
On 10.08.2005, you wrote:
>> Does bootbox work yet?
> Yes, it works, but I'd like to gain a bit more confidence with
Pls remember that I tested on all my devices, among which are
> One issue is the start address of the new Rombox. Now it needs
We could round up here. Afair, the bootloader determines the
> I have a hen-and-egg problem with releasing it, because I
> Any ideas?
I'd say releasing it in parallel would be a good idea. The
Of course rockbox_flash should get the start address check
Release 2.5 rombox should then be built with the new rom_start
Regards, Jens
Page was last modified "Jan 10 2012" The Rockbox Crew


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2C Class Teacher: Miss Cullin
2W Class Teacher: Miss Worner
Year 2 Learning Support Assistants: Miss Janiak, Miss Paskell and Mrs Gardener
Year 2 PPA cover: Miss Dixon and Miss Abbott.
Welcome to Year 2. We hope you all had a lovely summer, we are so impressed with how well the Year 2 children have come back and settled into their new classes. Please check here for updates on our school learning throughout the year.
Kenya Day
Last week Year 2 had a Kenya Day where they took part in different activities learning about ways of life in Kenya. The day started with listening to the Kenyan National Anthem and then singing the British National Anthem. Then they got to paint African Dan masks that are used to keep bad spirits away, explored African patterns with pastels, tasted different fruits that you can find in Africa and also took part in a tribal dance. All the children thoroughly enjoyed themselves and learnt a lot of new facts about Kenya. It was lovely to finish the day with an assembly to the parents to share with them what they had done and learnt throughout the day.
This term we will be working on;
The children will participate in a weekly problem solving activity ( The Big Solve) and will also enjoy a daily fun Magic Maths activity.
The children are regularly assessed against a National Benchmark and from this they are directed to select a book of their choice from their appropriate level.
The children are expected to read at home five times a week and are rewarded for doing so. When your child has read at home please leave a dated comment in their reading record. You can also write any questions or concerns in the reading record as this is checked daily by a teacher or LSA.
Writing and Phonics
The children spend 15-20 minutes everyday on phonics. Each phonic session is fast, fun and multisensory and specific to their individual learning needs.
In their Literacy lessons and across the curriculum they will be learning to write recounts, reports linked to topic work and extended stories.
There are weekly handwriting sessions and the children are encouraged to try to join their letters in their independent writing.
The children will take part in regular short keyword and spelling sessions. It is especially important for your child to not only learn to spell these words individually but also be able to spell them correctly in their extended writing. Please encourage your child to practise these in sentences at home.
Speaking and Listening
We will encourage the children to develop their speaking and listening skills with a weekly discussion box (The Talk box) that will be taken home by a different child each week.
We will be learning about 'Uses of Everyday Materials' through investigation and will be linking this to our DT topic and creating our own bridges out of different materials.
To support our Science and DT work, we would be extremely grateful for a voluntary conribution of £2.50
Through our topic of Peru and the Amazon Rainforest we will be comparing and contrasting our own locality, exploring the people and traditions of Peru and learning a few Spanish words and phrases!
Please feel free to browse the classes of 2013/2014's fun activities throughout Year 2 using the links below.


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Just Drive
Just Drive lets you share documents fast and easily. Create drives and give permissions within seconds. Share files and edit them directly in Just Drive with our Filesync app. It's all there. And it is a real pleasure to use.
- Drives and folders
- Seamless editing of files
- Versioning
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Yes! The motor features regenerative braking, which recharges the battery while riding. Riders can select from four regeneration modes and the system automatically recharges when the rear brake is applied. On average, the battery's range can be extended up to 15% on each ride. This setting is most useful in situations where you're going downhill, which will help control your speed and boost your battery!
- Tags: Drive System, E-Bikes


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The Princess and the Pea Pocket Cushion / Wall Hanging Part One – The Princess Pea Pocket Bed
Every little girl could use a cushion with a pocket – think tooth fairy, letters to santa, treasured possessions…But this quick and easy project could be just as easily adapted to make a wall hanging/ organiser. Although I'm using solids in this tutorial, it would be a perfect way of using up left over strips from other projects.
1. Cushion Front/Background
Top Pocket
1 x fabric 7 1/2″ x 4 1/2″
2 x fabric 7 1/2″ x 1 1/2″ strips
Lower Pocket
Take your ingredients from Top Pocket (above) and sew together as shown below.
|this photo shows bottom unit sewn together (left) and top unit sewn together (right)
Press seams to one side. Then fold your unit in half wrong sides together, as shown below, and press.
|photo, again, shows bottom unit (left) and top unit (right)
Open your unit and lay it right side down. Then place your 7 1/2″ x 3″ wadding so the top edge aligns with the pressed crease and the bottom edge is 1/4″ from lower edge of the fabric unit, as shown below.
Fold the top half of your fabric over the wadding. Pin and stich in the ditch between the coloured strips as shown below. Sew a line as close as you can to the open edge just to keep this edge stable for joining to the cushion front.
Take your ingredients from Lower Pocket (above) and make up as for Top Pocket. Make sure your 1 x brown fabric 7 1/2″ x 1″ strip is the last strip sewn.
|photo, again, shows bottom unit (left) and top unit (right)
Set these aside.
Select you brown fabric strips. Fold them length-wise and sew across the short ends at the tops and bottoms. Fold right-side-out.
Set these aside.
Take your cushion front/background and position your top pocket 8″ from the bottom and 6 1/4″ from each side.
Flip downwards, pin and sew across the top edge. This will be the bottom edge of the pocket and is the yellow stripe in my example. [I'm sorry I'm sure I took a photo of this stage but it seems to have vanished!] Flip the pocket back up and pin, as shown, below.
Repeat this step with the lower pocket, aiming to slightly overlap the bottom of the top pocket.
Flip over the bed ends and pin.


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In 1985, linebacker Marc Buoniconti of the Citadel — and son of NFL Hall of Fame linebacker Nick Buoniconti — suffered a spinal cord injury after colliding with running back Herman Jacobs of East Tennessee State.
It was an accident that would leave Buoniconti paralyzed from the neck down for the rest of his life — prohibiting him from playing football ever again and inspiring the founding of the Miami Project to Cure Paralysis.
"[Sitting by his son's side], Nick said to Dr. [Barth A.] Green, 'You and I may not be able to help my son, but what can we do to help other families?'" says Kristin Wherry, director of national chapters for the Buoniconti Fund to Cure Paralysis, the fundraising arm of the Miami Project.
In 2012, the Miami Project, the same institution that treated Gloria Estefan after her bus accident in 1990, received FDA approval to perform clinical trials on humans.
The Miami Project was given the green light to perform, among other trials, Schwann cell transplantation surgery, a procedure in which the main cells of the peripheral nervous system are taken from one part of the body and implanted into the injured spinal cord, in patients with both acute and chronic spinal cord injuries.
"We started with FDA approval for newly injured patients, which carried very specific protocol," Wherry explains. "Last year, we received approval for chronic injuries and in September 2015 started working with chronic patients."
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While the Miami Project is the world's hub for spinal cord and brain trauma injury research, the Buoniconti Fund is the organization responsible for raising funds and making that research possible. With 15 chapters nationwide, the fund has raised more than $400 million since its inception in 1992.
Run by volunteers, the organization is responsible for putting together fundraising events, much like the Miami Chapter's upcoming Seventh-Annual Block Party. Going down this Saturday at Hillstone in Coral Gables, the fest will be hosted by NBC's Adam Kuperstein and will feature music from local rock group People You Know.
Resale Concert Tickets
The Petty Hearts - Tom Petty Tribute Band
Saturday, Jan. 25, 2020 / 8:00pm @ Revolution Live 200 West Broward Blvd Fort Lauderdale FL 33312200 West Broward Blvd, Fort Lauderdale FL 33312
Steve Martin and Martin Short
Saturday, Jan. 25, 2020 / 8:00pm @ Hard Rock Live At The Seminole Hard Rock Hotel
"Yes, we want to raise funds and awareness for what the Miami Project is doing as far as research, but the Buoniconti Fund hosts the Block Party to reinforce that we are part of the community," Wherry explains. "The Buoniconti Fund really strives to establish and maintain that community partnership. We want to provide something that's fun and exciting."
The Buoniconti Fund to Cure Paralysis' Seventh-Annual Block Party with People You Know. 9 p.m. Saturday, January 16, at Hillstone, 201 Miracle Mile, Coral Gables; 305-521-0141; hillstone.com. Tickets cost $50 via thebuonicontifund.com/miami or $60 at the door. Tickets for kids ages 5 to 18 cost $15, and children under 5 get in free.


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Tuesday, August 7, 2012
My Blissful Home with Joann
11 comments:
Awesome tour! Love the pieces your hubby built, Joann.ReplyDeleteReplies
Thanks Pamela! he did a really good job on it all.Delete
Danielle, thank you for allowing me the opportunity to "show off" just a tad on your terrific site! I'm so glad you decided to do the Home Tour Series, as it allows us to get a sneak peek into our Bloggy Friends lovely homes.ReplyDelete
What a fantastic idea....sharing homes! I enjoyed the tour of JoAnn's home, plus it gives me great ideas seeing what someone else has done. JoAnn, your home is lovely....very homey (not sure how to spell that) and inviting!ReplyDeleteReplies
Hi Miss Grace! I enjoy seeing how other folks decorate, both inside and their yards, so I prefer to take the road less traveled when we go places. Thanks for taking the tour and glad you felt "at home"!Delete
I too, enjoyed the tour of JoAnn's home. Thanks for sharing it. I do love those curtains in the dining room and I also see the we collect a lot of the same things.ReplyDeleteReplies
Thanks Jana! I'd love to see yours :)Delete
WOW! Just a lovely & comfy home!!!!ReplyDeleteReplies
Hey Heather, comfy is right, esp in the winter when we fire up the wood stove in the den (I wasn't quite ready to photo that room) - we 'live' in my LR in the summer, and then we switch to 'live' in the den in the winter. Thanks for strolling thru!Delete
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I reply to all comments in the comment section, so check back for answers to your questions. You can also email me at firstname.lastname@example.com :)
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Checkout these mechanimals I was sent today by Mr Mathews at Crescent Primary School – designed by the Year five and six classes, aren't they super? Who wouldn't want a mechanical Toucan, or a Chinese Dragon, or a flamingo with wooden legs?
Sky Lights
An experiment in photoshop combining two long exposure photos.
Sketchbook – Ducks
This is an old sketchbook page. When I was learning drawing animation. I used to go to the city farms and draw.
The Garden – storyboard outtakes
Some storyboard panels from the garden.
Angels Designs
Storyboard and design panels from an unmade animated short 'Angels' that eventually developed into Crow Feathers. In this scene the boy discovers he is growing wings.
Angels Character Designs
This was an unmade animation project that eventually developed into Crow Feathers.
Concussion – NFTS Storyboard for unmade short
A storyboard for a short film around some given dialogue; part of my application submission for the NFTS from 1999


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I found the following John Tyler quote. I think it is worth reproducing here:
The United States has adventured upon a great and noble experiment, which is believed to have been hazarded in the absence of all previous precedent — that of total separation of Church and State. No religious establishment by law exists among us. The conscience is left free from all restraint and each is permitted to worship his Maker after his own judgment. The offices of the Government are open alike to all. No tithes are levied to support an established Hierarchy, nor is the fallible judgment of man set up as the sure and infallible creed of faith. The Mohammedan, if he will to come among us would have the privilege guaranteed to him by the Constitution to worship according to the Koran; and the East Indian might erect a shrine to Brahma if it so pleased him. Such is the spirit of toleration inculcated by our political institutions… The Hebrew persecuted and down trodden in other regions takes up his abode among us with none to make him afraid… and the Aegis of the government is over him to defend and protect him. Such is the great experiment which we have tried, and such are the happy fruits which have resulted from it; our system of free government would be imperfect without it.
My source is Wikipedia. There is no note on where it was found other than it was from a letter dated July 10th, 1843 to Joseph Simpson.
Monday, June 16, 2008
President John Tyler on Religious Freedom
Posted by M at 5:38 PM
Labels: John Tyler
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Somehow — and no one in Pittsburgh is quite sure how — this Saturn VUE entered a traffic circle like any normal car but then went airborne and ended up rubber-side up in the spout of a park fountain. The whole thing played out like what happens when the bad guy crashes during some big-budget action movie chase.
The Pittsburgh Press reports that around 6 p.m. Thursday, the SUV entered the traffic circle at Highland Park, traveled across a sidewalk, crossed a grassy area, drove through a patch of flowers and plants, crashed through a bench, hit the retaining wall of the fountain, flew several feet through the air, completely missed the pool of water, and then landed upside down in the fountain spout at the center.
Seriously. This is a thing that happened in real life.
Amazingly, the 78-year-old driver of the Saturn remains in stable condition at a Pittsburgh hospital, the newspaper reports. Police are investigating whether he suffered some kind of medical emergency that caused the crash.
The other incredible news is that while the crash was witnessed by an large group of onlookers at the park, no one else was hurt. Understandably, they remain incredulous about what happened.
Evan Jones, the Highland Park foreman, has seen a car or two veer onto the grass near the Park's Highland Avenue entrance. But he's never seen anything like Thursday night.
"Probably never again," he said. "I don't think they could have done it in a movie and have it as perfect as that."
Also, NO ONE GOT VIDEO OF THIS when it happened? The aftermath is the best we could find.
Photo credit Pittsburgh Press
Hat tip to John!


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St Thomas' PTA have negociated a special deal with Adventure Island in Southend to provide discount tickets for pupils and parents at St Thomas School.
Please download the attched files, print and return the completed form to the school office, together with the appropriate monies.
The PTA have also arranged a bounce night on Friday 1st April 2011 on the school field from 3.30pm -6pm. Please take a look at the flyer for more details and if interested, fill in the form and submit to the school office.


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Civil Asset Forfeiture Limited (SCOTUS)
On 20 February, the US Supreme Court unanimously held, in the case of Timbs v. Indiana, 586 U.S. ___ (2019), that the prohibition on excessive fines contained in the 8th Amendment applied to States (as well as the federal government) and prevented Indiana from confiscating a Land Rover worth $42,000 just because it had been used during a drug transaction. The judgment is significant because it is a rare case of the Court limiting States' civil asset forfeiture powers but also because of its discussion of the Bill of Rights' selective incorporation process.
Civil asset forfeiture is a legal tool used by law enforcement to confiscate private property from persons suspected of illegal activity without necessarily charging them with any wrongdoing. According to some estimations, between 2011 and 2014, local and state agencies confiscated $2.5 billion in approximately 62,000 cash seizures conducted 'without search warrants or indictments' (The Washington Post). When it comes to the federal government, in 1985, the Justice Department's Assets Forfeiture Fund brought in $27 million but by 2017, that figure skyrocketed to $1.6 billion (The Atlantic). In Timbs v. Indiana, 586 U.S. ___ (2019), Justice Ginsburg, writing for the majority, referred to the protection from excessive fines as a historically important safeguard recognised as early as the Magna Carta. However, the effective application of the Excessive Fine Clause of the 8th Amendment is a novelty in the Court's jurisprudence as the Court found a violation of the Excessive Fine Clause for the first time in 1998, in United States v. Bajakajian, 524 U.S. 321 (1998).
The 8th Amendment prohibits, among other things, 'excessive fines [being] imposed'. In Waters-Pierce Oil Co. v. Texas, 212 U.S. 86 (1909), the Supreme Court held that excessive fines were defined as fines 'so grossly excessive as to amount to a deprivation of property without due process of law'. In Austin v. United States, 509 U.S. 602 (1993), the Court ruled for the first time that the Excessive Fines Clause applied to civil asset forfeiture conducted by the federal government, but the case was silent on its potential application to States' actions.
Originally, just as the other Amendments constituting the Bill of Rights, the 8th Amendment was meant to apply only against the federal government. After the Civil War, with the enactment of the 14th Amendment, the Courts began to apply various safeguards contained in the Bill of Rights against States as well as the federal government. Throughout that time, the Courts usually invoked the Due Process Clause of the 14th Amendment as the provision rendering the Bill of Rights applicable against States. In Timbs v. Indiana, 586 U.S. ___ (2019), 7 Justices, in the opinion written by Justice Ginsburg, held that the 8th Amendment applied against the State of Indiana by virtue of the Due Process Clause. On the other hand, Justice Thomas, while concurring in the outcome of the case, produced a separate opinion on the issue of the selective incorporation where he explained that the application of the Bill of Rights against States was possible by virtue of the Privileges or Immunities Clause of the 14th Amendment, rather than the Due Process Clause. Justice Neil Gorsuch, who joined the majority opinion, also wrote a concurring opinion, agreeing with Justice Thomas on the issue of the selective incorporation.
The ruling is expected to have a considerable impact on the the use of civil asset forfeiture as it establishes a strong protection against its abuse, now applicable to both the federal and States' governments. The case also signals potential future discussions among Justices on the effect of the 14th Amendment on the selective incorporation.


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Winter season is open in Moscow and the city is getting ready for the New Year. One of the main festive events will be the Journey to Christmas Festival. It will pass in Moscow from December 18 to January 10.
38 venues throughout the city will host street shows and concerts, as well as master classes on cooking and decor. There will also appear fairs with food and Christmas gifts. Everyone will be able to participate in different competitions, and the winners will get Christmas coins. These coins will be exchanged for gifts in special chalets, installed at the central fairs. The chalet-restaurants will sell coffee and tea with Russian pancakes, Asian sweets, pastries and fast food.
As a whole, 428 fair wooden structures, more than 40 natural spruce and more than 100 art objects will appear in the city streets.
During the Christmas holidays, there will work the biggest in Russia ice slide, historical photo-maze, four-meter height ice striking clock.
The ice rink at the Revolution Square will host 50 theatrical performances during the entire period of the festival. In addition, next Circle of Light Festival will take place in Moscow within the New Year's holidays.
The city pedestrian zones will be decorated with light tunnels. Besides, the capital will host the first Moscow international festival Christmas Light. It will color the streets in the traditions of Italy, Spain and France. Each site of the festival will be dedicated to a different topic.
In total, the new winter season Moscow will feature 1 470 rinks (188 with artificial ice), 269 ski slopes, 556 snow slides and ice towns, 466 sports equipment rental points, 1723 winter sportsgrounds.


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Well, today was quite the experience. I had my first go at reupholstering and was surprised by how easy it was. A while ago my friend Lindsay encouraged me to try it out on the chest in our bedroom. I waited around on it for a long time. Finally, I mustered up the courage and I am super glad I did so.
I do have to admit that I ended up not using any of the fabrics I had in mind. (Sorry!) I really appreciated your advice, but none of the ones I picked out were in store. Fortunately I found another great fabric for a very cheap price.
So here's what I did. (FYI: There may be a better system to the madness, but this is what worked for me).


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Walking in Retirement can be the best exercise you can do. Walking can keep the mind as well as the body healthy.
My wife Gail and I live on a golf course and have a screened in porch as well as an open deck off the eastern facing rear of the house overlooking the fairway. The open deck is our favorite spot. There are two chairs angled towards each other on either side of a glass table that does an admirable job keeping cocktails and appetizers or a hot cup of morning coffee within easy reach. We often share the one ottoman for resting our feet. Oh sure, we have some other chairs there for guests. But the two main chairs are for us. This is our spot.
It's a spot we retire to in the evening for discussing our day as the last of the golfers and the first of the dog walkers amble on by. The dog walkers always wave, especially thre retired ones. I know the names of the retired dogs walkers – they are more leisurely. The golfers rarely wave. It's as if the golfers are afraid we will recognize them if any personal contact is made, and they prefer the anonymity of distance. No known witnesses to their bad shots.
From this spot we can also see the sun rise in the morning, often through a wispy mist than hangs suspended a few feet above the grass but no more than five or ten feet high. This is my favorite time of the day. I can imagine a herd of wild animals emerging through the mist or a lone lion hunting his prey. I am always disappointed when the early golfer interrupts from the mist of my mind into my realty, with his decidedly out of place look, his bag of golf clubs as weapons, making a distinctive jangle in his bag as he walks; his goofy looking practice stance and swing. And then he totally blows it with a loud curse as if to remind me that this is Fort Myers, Florida, not the prairies of my imagination, as the golf ball sputters out of control 30 yards in front of him and oh yes, now I CAN hear the traffic on route 41 in the distance.
In front of him is my 180 acre back yard. This is my back yard that is watered, trimmed, mowed, and fertilized by someone else. Instead of boats going by as in back of our former riverside house, I now watch golf carts, golf balls, and the occasional jogger. This is a public course, so there is not a lot of rough. The course is very open. If my eyes were good enough I would be able to see to the other side of the course. Every morning, before daybreak, Gail and I can lay in bed and listen to the lawn mowers mow by the light or their headlights. I have never seen them mow by day.
I walk every day around the course. If I start out early enough on my "around the course" morning walk; I can still catch the grounds men finishing up on a few greens. The greens keepers know me by now. A tip of the hat. A nod. I'm the retired white haired tall guy with a walking stick perusing the perimeter of the course. I like to get out very early, before the golfers so I don't have to just walk in the "out of bounds" areas at the perimeter. You see, I have discovered something. I don't like to walk as much as I like the challenge of finding those wayward missiles. Oh sure I love to be outside in the mist, the morning sun, and see the freshly mowed greens for the first time. I love the peace, the thinking time, and I like to come upon the mallards, the Muscovy ducks, and the occasional four legged wildlife. But the thing that keeps me getting up and going is that I am certain, along the way, to find a reward. I never know where, or how many, and I have only been "skunked" once since I have lived here.
Of course I am talking about golf balls. Today I found only one; yesterday seven. My highest for a day is ten. I carry them back to my castle on the green and place them in yellow bucket, each day surveying the stash, watching it slowly grow up the sides of the pail. I am not a golfer. I used to be thirty years ago, but the game frustrated me too much; too counter intuitive for a logical guy like me. Then Nicole was born and I preferred the challenge of child rearing to the frustration of a swing follow through and keeping my head down.
If I am not a golfer what good are the balls?
Good question. Score? Is this how I am keeping score on my walks? Perhaps. A symbol of the walk? A reward? I don't think it matters.
I joked a month ago that if I placed golf balls strategically along the sidewalks of McGregor Boulevard there would be five times as many joggers every morning than there are now. And they would be smiling as they anticipated their next prize. (I have never, ever, seen a jogger smile).
If someone told me that every time I walked around the course they would give me five golf balls it would most certainly not be the same. It is the challenge of the hunt. For success I must count to a certain degree upon my ability. Strategy comes into play, some skill, and some experience.
In my experience competitive people like me, and perhaps you, need to measure their progress. We can do this with points, money, compliments and "attaboys", but the lesson from the golf ball walker is this: "Rewards are best given during the challenge, not just the end."
For most of my home owner life I loved to mow my own lawn. But when I mowed, it was a in very specific way. I would go back and forth in even parallel lines. At every turn I could see the results of my work. Beautiful meticulous lines in the grass, slowly progressing to the finish; if I had to mow and not see the results until it was done, the task would be boring and, well, a job and not fun. But my method was unconsciously designed to reward me at every turn.
Remember to reward yourself in steps and along your journey. Make the reward the trip itself, and don't count on the destination as your only prize.
Want to be encouraged to walk daily in your retirement? Become a hunter. Of Golf balls.