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Your engine is one of, if not the most important major component of your car. Without it working in good order, it's impossible for you to go anywhere. If it runs inefficiently, you may face a whole host of problems that can be avoided with relatively simple maintenance. At Mike's Auto Tech we provide all of the expertise and parts needed to keep your engine running happily and at peak efficiency.
Oil Changes
One of the simplest ways to determine the condition of your engine is to examine the oil that drains out during an oil change. The oil circulates through much of your engine, so it's a great way to determine the overall health of your car's power plant. Ideally, we want your oil to be darker than when it went in with uniform viscosity and no solid particles. Solid particles are a major concern because they mean that something inside the engine, be it a seal or anything else, is breaking apart. Engines contain a lot of finely balanced mechanisms with only a few micrometers of space for moving parts to clear each other. Any solid particles moving through your engine can cause a massive amount of damage very quickly. At Mike's Auto Tech we perform expert analysis on your oil to make sure that everything is working perfectly within your engine's internals, and we carry the best oils to replace that fluid in your vehicle.
Engine Coolant
Another simple item that can save your engine untold misery, is the coolant fluid, which keeps everything running at the correct temperature. The many moving parts inside your engine, as well as the explosions taking place within its combustion chambers, generate a significant amount of heat. As with any machine, your engine has temperature tolerances at which it happily operates. Once those tolerances are exceeded, things can start to go wrong. A common side effect of overheating can be radiator failure. The water that cools the engine becomes heated and pressurizes the radiator past a safe level causing the scalding water to spray out. This dangerous problem can be avoided with the engine coolants used by Mike's Auto Tech.
To work efficiently, your car's engine needs the ingredients for combustion to be delivered in the purest form possible. To this end your engine contains a number of filters which keep everything nice and clean. Mike's Auto Tech's engine thorough maintenance keeps checks on your air, oil, and fuel filters, replacing them as needed to keep your car running at its highest efficiency.
Fuel Injector Cleaning
Working alongside your spark plugs are the injectors that shoot a precise amount of fuel into the combustion chamber. Over time these injectors can become clogged with contaminants from fuel. Mike's Auto Tech carries a line of specially developed injector cleaning solutions which open the injector tubing back up and get your car back to making the most power that it can.
Accessory Belts
Engine accessories such as the alternator and air conditioning compressor rely on belts that take power from the engine to run them. Over time, these belts can become frayed and damaged. If your alternator belt snaps, for example, your engine won't be able to generate the electricity it needs to charge the battery and keep itself running. Mike's Auto Tech can keep a close eye on the health of your accessory belts and ensure that all your engine's pulleys are lined up perfectly to allow for the maximum amount of use from your belts.
Check Engine Light
No one likes to see their car's "Check Engine" light come on. The light could mean a costly problem, like a bad catalytic converter, or it could be something minor, like a loose gas cap. At Mike's Auto Tech, we can pull the code and diagnose the problem for you. Give us a call at 818-437-0860 or stop by the shop for our expert assistance.
Although diesel engines don't require tune-ups and tend to last longer than gasoline engines, they do require regular maintenance. Typical maintenance tasks include:
- Changing the oil & filter
- Changing the air filter
- Changing the fuel filter
- Bleeding the fuel system
- Draining the water separators
- Refilling the urea injection system
You can count on the experts at Mike's Auto Tech to help your diesel engine last a long time.
Fuel Injection
Fuel injection is a system for admitting fuel into an engine. Since 1990, fuel injectors have completely replaced carburetors as the primary means of getting gasoline into the engine. A fuel injector atomizes the fuel by forcibly pumping it through a small nozzle (under high pressure). Failure of the fuel injection system means poor performance and ultimately destroys the engine. Make sure your vehicle's fuel injection system is maintained properly. For all your fuel injection maintenance and replacement needs, call 818-437-0860 or visit Mike's Auto Tech today.
An ignition system is a system for igniting (using an electric spark) a mixture of fuel and air in a gasoline engine. A properly working ignition system means a properly starting engine and high performance from your car. For all your ignition system maintenance and replacement needs, call or visit Mike's Auto Tech today.
Ignition Wires & Cables
Ignition cables also known as spark plug wires are an important part of your car's ignition system. They transfer the spark from the ignition coil to spark plugs that ignite the mixture of fuel and air. The mixture starts the engine. Over time, ignition wires and cables get weak and break down. This makes it impossible for the spark to reach the engine cylinders. This results in the engine misfiring. The car will eventually fail to start. If it does start, it will run poorly. Common symptoms of faulty ignition cables and wires are: poor gas mileage, engine misfires, engine light is on, and engine may vibrate. If your car needs new ignition cables and wires, call or visit Mike's Auto Tech in Van Nuys, CA 91406. Here, you will have the wires and cables changed by a top-rated mechanic.
Oil, Lube, and Filter
To keep running smoothly, your car highly relies on oil, lube, and oil filters. Oil helps in lubricating, cooling, and cleaning the internal engine components. With time, motor oil becomes contaminated. Your car needs an oil, lube, and filter change every three months (or 3,000 miles). When it is time for a lube, oil, or filter change, take your vehicle to Mike's Auto Tech in Van Nuys, CA 91406.
Spark Plugs
A spark plug delivers electric current to the combustion chamber from the ignition system. Spark plugs that haven't been changed for a long time can cause ignition problems. At Mike's Auto Tech, we have automotive experts who will check and replace your spark plugs. For all your spark plug repair or replacement needs, call 818-437-0860 or visit Mike's Auto Tech today.
Whether you're in need of simple oil service, or more significant engine maintenance, call Mike's Auto Tech at 818-437-0860 to learn how we can help you get back on the road quickly!
Check Engine Light Questions and Answers
Is it okay to drive with the engine light on?
The short answer, "No." The longer explanation is the light may indicate a serious engine failure and continuing to use your car as if nothing is wrong could result in a very expensive repair bill. The check engine light means you should stop driving and have your car looked at as soon as possible by a professional at Mike's Auto Tech in Van Nuys.What could cause a check engine light to come on?
Come by Mike's Auto Tech and we can diagnose the reasons for a check engine light turning on. It can range from something serious like a faulty catalytic converter or potential engine failure to something simple like a loose gas cap or the need for a simple 50K or 100K mile manufacturer maintenance check.What is the most common problem with my check engine light?
A loose gas cap is the most common cause of a check engine light coming on. But the best method to determine why the check engine light is on is to have a professional at Mike's Auto Tech read the diagnostic code in the car's internal OBD computer.What does an intermittent flashing check engine light mean?
Flashing check engine lights warn of severe situations requiring immediate attention. Get your vehicle to an auto repair shop as quickly as possible or get it safely parked and call a tow truck to take it to your preferred auto repair shop.What does a solid check engine light mean?
A steady check engine light indicates a non-emergency issue. Come by Mike's Auto Tech and we can help.Can I turn off my check engine light myself?
It is a very bad idea to try to resolve a check engine light yourself. The DIY method to turn off a check engine light without a scanner is disconnect the battery cables, wait 1 minute, and reconnect the battery cables. If the underlying issue has been resolved, the light should go off. But modern automobiles rely on battery power to maintain important systems such as the O2 sensor and ADAS systems. By disconnecting the battery, you run the risk of damaging these delicate and expensive to replace computer-driven components. If your check engine light is on come by Mike's Auto Tech in Van Nuys. Turning off a check engine light is often inexpensive and simple.Serpentine Belt Question and Answer
How do I know if I need to replace my car's serpentine belt?
If your serpentine belt is failing, you may notice performance issues with your vehicle. The vehicle may frequently overheat. Your air conditioning or power steering may fail to work or not work properly. You may notice your vehicle battery failing to recharge if the alternator is affected by a bad serpentine belt. If you start to notice any of these issues we encourage you to bring your vehicle to Mike's Auto Tech as soon as possible to avoid bigger problems and breakdown.Spark Plug Questions and Answers
What else should I replace when replacing spark plugs?
If you are considering having your vehicle's spark plugs replaced, there's a high probability that your spark plug wires need changing as well. Ignition wires become brittle over time. Old ignition wires can break and cause misfires or declining fuel economy.How do you know when a spark plug needs to be replaced?
The most common sign a spark plug needs replacing is the feeling that the car's engine is hesitating when accelerating, but other signs may include misfiring at start up, rough idling, sluggish acceleration, declining fuel economy and engine knocking.To learn more about our Engine Maintenance services, call us at 818-437-0860 or request a quote by clicking below:
Request Quote
Discover More About Engine Repair Services At Mike's Auto Tech in Van Nuys
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For Everyone
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Locations with a line through the text like this have been reported as being Closed
Golden Pond, Kentucky, USA, 42211
Phone: +1-270.924.2200
Driving Directions: I-24 West, Exit31 turn South to Hwy. 453. 24 miles and turn Left on Road. 165. Wranglers camp is 5 miles on the Right
Water Available: water is available
Season / Operational: Open year round
Dump Station User Fee: *
Latitude: | 36.73715° | 36° 44.22882' | 36° 44' 14" | North |
Longitude: | -88.00065° | 88° 0.03918' | 88° 0' 2" | West |
Can you help other RVers and submit a listing update?
SMS (text) messaging, send detail information of USDA Forest Service - Wranglers Campground to your mobile phone.
Send To Mobile SMS Terms of Use
Map for driving directions to USDA Forest Service - Wranglers Campground using location coordinates for plotting the map.
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Although efforts are made to make sure of the accuracy of the information presented, Sanidumps.com shall have neither liability nor responsibility to any person or entity with respect to any loss or damage caused, or alleged to be caused, directly or indirectly by the information contained here.
Sanidumps.com is not affiliated in any way with any place/location listed on this site. Fees are subject to change; availability and prices can and do change.
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DMC stranded cotton embroidery thread - 3722
A favourite amongst stitchers, DMC Mouliné stranded cotton is made of the best long staple cotton and is mercerised twice, which gives it a lovely sheen. It's made of 6 easily separable strands allowing you to vary your stitching results depending on the number of strands used. The dyes used are fade resistant and washable. Perfect!
Each skein has 8m of thread.


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Bowel Resection
Surgery Overview
Resection is another name for any operation that removes tissue or part of an organ. Bowel resection, also called partial colectomy, removes a diseased or damaged part of the colon or rectum. Bowel resection can be done for many diseases that affect the colon, such as colorectal cancer, diverticulitis, or Crohn's disease.
The goal of bowel resection is to take out the part of the colon or rectum where the problem is. If the doctor is removing cancer from the colon, nearby lymph nodes are taken out and tested for cancer. Then healthy parts of the colon or rectum are sewn back together. Bowel resection is done either by opening the abdomen (open resection) or by laparoscopy.
Laparoscopy for bowel resection usually involves 3 to 6 very small incisions instead of one large one. Recovery time is faster.
You and your doctor will think about several things in deciding whether you should have open resection or a laparoscopy. These include:
- The location and extent of the disease.
- Your general health.
- Whether you have scar tissue in the area from previous surgery.
- Your doctor's expertise and experience.
Sometimes a laparoscopic surgery has to be changed to an open resection during the surgery.
What To Expect
Bowel resection requires general anesthesia. You may stay in the hospital for 4 to 7 days or as long as 2 weeks after surgery.
Sometimes the two parts of the colon or rectum cannot be reattached, so the surgeon performs a colostomy. This creates an opening, called a stoma, on the outside of the body for the stool, or feces, to pass through into a colostomy bag. Usually the colostomy is temporary, until the colon or rectum heals. If the lower part of the rectum has been removed, the colostomy is permanent.
When the two-stage operation is done, the time between operations is usually 6 to 12 weeks.
The recovery time after a one-stage operation or after the final operation of a two-stage surgery is usually 6 to 8 weeks.
Why It Is Done
Bowel resection may be done to remove cancer or when the colon cannot function normally because of damage or disease. You may need a bowel resection if you have:
- A bowel obstruction.
- Colon cancer.
- Crohn's disease.
- Diverticulitis.
How Well It Works
Bowel resection is the most successful treatment for invasive colorectal cancer.
Up to 12 out of 100 people who have surgery for diverticulitis develop diverticulitis again.footnote 1 But another surgery is usually not needed.
Some people who have two-stage surgeries may not have the second part of the surgery to reattach the intestine and repair the colostomy. This is often because the intestine does not heal well enough to be rejoined.footnote 2
Surgery is not a cure for Crohn's disease. When surgery for Crohn's is needed, as little of the intestine as possible is removed to keep the intestines working normally. The disease tends to return to other areas of the intestines after surgery. In children, surgery may improve well-being and quality of life and restore normal growth and sexual development.
All surgeries have some risks of infection, severe bleeding, or complications from general anesthesia.
Possible problems after a bowel resection include:
- Scar tissue (adhesions).
- A leak between the joined sections of the colon.
- Injury to the bladder, ureters, or blood vessels.
What To Think About
This operation does not usually cause problems, even in older people. Age should not be a reason to avoid having a bowel resection.
People who have colostomies need instructions about caring for the collection bag and about dietary changes that can reduce odor and gas. They also need emotional support, because many people find having a colostomy embarrassing.
- Davis BR, Matthews JB (2006). Diverticular disease of the colon. In M Wolfe et al., eds., Therapy of Digestive Disorders, 2nd ed., pp. 855–859. Philadelphia: Saunders Elsevier.
- Harford WV (2010). Diverticulosis, diverticulitis, and appendicitis. In EG Nabel, ed., ACP Medicine, section 4, chap. 12. Hamilton, ON: BC Decker.
Current as of: November 7, 2018
Author: Healthwise Staff
Medical Review:Adam Husney, MD – Family Medicine & Kathleen Romito, MD – Family Medicine & Kenneth Bark, MD – General Surgery, Colon and Rectal Surgery
Current as of: November 7, 2018
Author: Healthwise Staff
Medical Review:Adam Husney, MD – Family Medicine & Kathleen Romito, MD – Family Medicine & Kenneth Bark, MD – General Surgery, Colon and Rectal Surgery
This information does not replace the advice of a doctor. Healthwise, Incorporated, disclaims any warranty or liability for your use of this information. Your use of this information means that you agree to the Terms of Use. Learn how we develop our content.


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IZIPIZI #C SCREEN Tortoise
Screen protection glasses - Filter 40% of blue light - Shape #C: stylish, bold, square - Unisex, universal model - Storage pouch included in the box. All "LED screens" (smartphones, tablets, computer screens, Tvs, etc.) emit a "blue light" which is particularly harmful to eyes. Equipped with lenses that filter 40% of this blue light, our #SCREEN collection makes everyday life more comfortable, protects your eyes and guarantees you a very fashionable look. Rubber texture, flexible arms and designer frames: comfort and style guaranteed. Stay connected with complete peace of mind! INFOS AND SPECIFICITIES - On average, we spend 50 hours a week on smartphones and tablets, in front of computer screens and TV screens or playing video games. All these screens have the latest generation «LED backlighting» and emit so-called «blue» light, also known as HEV (High Energy Visible) light. Blue light is almost as dangerous as UV light. The SCREEN range is equipped with innovative lenses that filter out 40% of the blue light (rays emitted between 400 and 460nm) emitted by our screens, for a gentler daily experience in front of the screen and protection for your eyes. Featuring flexible and comfortable arms, with spring hinges, which adapt to all face shapes and sizes. STANDARDS - This model complies with the European standards for non-prescription glasses (NF EN 14139) and with the international standards for prescription glasses (IS0 12870).


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"Interconnect resource-aware placement for hierarchical FPGAs", in Computer Aided Design, 2001. ICCAD 2001. IEEE/ACM International Conference on, 2001, pp. 132 -136.
, "Interconnect complexity-aware FPGA placement using Rent's rule", in SLIP '01: Proceedings of the 2001 international workshop on System-level interconnect prediction, 2001, pp. 115–121.


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The FHA's mission driven organization encourages home ownership and provides affordable housing opportunities with low down payment and flexible credit requirements.
Since 1934, the FHA has insured millions of home mortgages with a market share of 30% in 2010 vs 3% in 2007. In 2009, FHA programs insured nearly 2 million loans, which included 750,000 first-time home buyers.
According To Wikipedia:
The Federal Housing Administration (FHA) was created out of the National Housing Act of 1934, and was established to increase home construction, reduce unemployment and insure government loan programs.
FHA loans have historically allowed lower income Americans to borrow money for the purchase of a home that they would not otherwise be able to afford. The program originated during the Great Depression of the 1930s, when the rates of foreclosures and defaults rose sharply, and the program was intended to provide lenders with sufficient insurance.
Some FHA programs were subsidized by the government, but the goal was to make it self-supporting, based on insurance premiums paid by borrowers.
While most people believe that the FHA lends money directly to borrowers, it actually just insures a certain type of loan that is financed by traditional banks and mortgage lenders.
Four of the most visible single family housing programs that FHA offers are, Section 203(b), Section 234(c), Section 203(k) and Home Equity Conversion Mortgages (HECM) – Reverse Mortgages.
FHA Loan Type Highlights:
Section 203(b)
- largest of FHA's single family programs
- 1-4 unit properties are eligible
- flexible credit requirements
- 3.5% down payment allowed
- down payment may be a gift from specific sources
Section 234(c)
- provides mortgage insurance for individual condominium units
- credit, down payment and limits of 203(b) apply
- in 2010, condominium complexes must be approved through HRAP/DELRAP to be eligible for FHA insurance
- primary program for property rehabilitation
- encourages community and neighborhood revitalization
- only 1 mortgage loan is used for both the acquisition and the renovation
- 1-4 unit properties including condominiums are eligible; check with your lender for manufactured housing eligibility
- required improvements include cost effective energy conservation standards and smoke detectors
- consultancy may be required
HECM – Reverse Mortgages
- FHA was the first to promote reverse mortgages nationally
- allows access to equity in property with flexible terms
- lump sum, monthly payments, line of credit or a combination available
- limited to homeowners 62 years of age and older
FHA programs go beyond the scope of the previously listed programs. They offer a Streamline Refinance as well as a Streamline 203(k) for limited repairs. Also, recent legislation has helped FHA offer special programs with incentives to lenders for modifying and refinancing existing mortgages like with the "Making Home Affordable Program."
When looking for a loan program to fit your specific needs, take a close look at FHA as their programs have become more attractive to both lenders and consumers.
With favorable loan terms, higher loan limits, 30 year fixed repayment terms and flexible down payment options, FHA will continue to encourage home ownership, provide liquidity and stability to the mortgage market.
Frequently Asked FHA Questions:
Q. What are the credit requirements for most FHA lenders?
As of 2010, the majority of lenders are leaning toward a mid credit score of 640.
Q. How much can I afford?
By providing your mortgage professional the required documentation, a detailed analysis will be provided that includes your maximum loan amount
Q. How will I know if the condo/townhome I wan to buy is eligible for FHA financing?
The following link will allow you to enter your zip code for a list of eligible properties: CLICK HERE


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These are high quality 500 Neopost franking machine labels. They are Neopost IS290i Elite labels and Neopost IS290i labels.
If your franking machines franking impression looks similar to the below, with just the logo showing, you are purchasing the correct labels for your franking machine.
PLEASE NOTE: If you use a return address in addition to a logo as below you will need a long version of this label. Click here for the correct label.
At Franking-Labels.co.uk our franking machine labels are known for being of high quality and very versatile. They are suitable for a wide range of franking machine impressions, including the Neopost IS290i Elite franking machine and the Neopost IS290i franking machine.
Our franking labels are made of a high quality bright white paper. This product will come in a box of 500 double sheet franking machine labels (500 Sheets), meaning there are two labels per sheet.
Franking-Labels.co.uk are an approved distributor and service agent for Neopost. Whether you purchase franking machine labels or franking machine ink you are safe in the knowledge that your supplies will be 100% compatible and guaranteed.
Are you unhappy with your franking machine? Or has your franking machine become obsolete? Click here to view our range of franking machines from the UK's favourite franking machine supplier.
Before returning any items to us please contact us on 01543 572 776 or email at email@example.com.
If you decide that you placed the order in error the items you have ordered may be returned in their original condition and packaging (unopened, not used or worn), at your expense, for exchange or refund within 7 working days starting the day after the goods have been delivered/signed for. We accept no liability for loss or damage during return transit and recommend you take out adequate transit insurance to cover the full cost of the order in case of damage, loss or theft during transit. Confirmation of posting is no guarantee of delivery and items should be sent via an insured "signed for" service.
Order cancellations (in full or part) must be made in writing (by email, letter or fax) within 7 working days from the date your order is placed. Under the distance selling regulations, cancellation by phone cannot be accepted. If you cancel your order by email, you must send it to a valid address and should request a read receipt to confirm delivery. Sending an email and/or receiving an automated reply is no guarantee the email has been received by us.
We consider 7 working days to be a reasonable time in which to return the goods to us and you should use an appropriate delivery method to ensure the products reach us within this time period.
In the event goods are unwanted or ordered in error the Company will (at its discretion) offer to accept a return of the products with a 25% restocking fee applied. If the goods are being returned for reasons that are not the fault of the Company any refund given will not include the postage and packing charges. If the products have been used or the packing has been opened and/or are not in the original condition (this excludes packaging added by us and used to protect the goods during transit), we are unable to issue a full refund and you will be liable for any charges and reasonable administration costs incurred by us.
We do not accept returns for goods/items that have been used unless they are faulty and within the guarantee period. If this is the case, after investigation to confirm the fault, we will either replace the item or return it to the manufacturer for repair. If no fault is found or we believe the item was deliberately damaged after being delivered and signed for, you will be liable for any charges incurred by us including a reasonable administration fee. Our returns procedure must be followed to receive replacements or refunds. This procedure includes the completion of our 'Returns Form' and this must be enclosed with the returned cartridge. Any cartridges received without a copy of the completed and signed Returns Form will be disposed of accordingly and no replacement or refund will be issued.
If we are unable to accept the item(s) for return (fall outside the 7 working days, the items are not faulty or have been used etc.), you will be responsible for the full cost of returning the items. This includes any collection or dispatch charges incurred by us and reasonable administration fees. Payment of these fees must be made before we can return the item(s) to you. We will retain the items for a maximum of 14 days. If payment is not received within this time period, we will assume the goods are not required and will be disposed of.
We can only credit the card/bank account used to make the original payment. This is in accordance with UK anti-fraud and money laundering regulations.
We do not accept returns for goods/items that have been used unless they are faulty. If this is the case, after investigation to confirm the fault, we will either replace the item, return it to the manufacturer for repair or offer a partial refund. If a fault is found partway through the life of an ink cartridge then the data of the cartridge chip will be read to determine how much ink is used and a partial refund representative of the ink remaining will be offered based on the points below:
0% to 10% used – 100% Refund
11% to 20% Used – 90% Refund
21% to 30% used – 80% Refund
31% to 40% Used – 70% Refund
41% to 50% used – 60% Refund
51% to 60% Used – 50% Refund
61% to 70% used – 40% Refund
71% to 80% Used – 30% Refund
81% to 90% used – 20% Refund
91% to 100% Used – No refund due to the variation of the density of a customer logo and other factors that may affect ink usage beyond our control.
If no fault is found or we believe the item was deliberately damaged after being delivered and signed for, you will be liable for any charges incurred by us including a reasonable administration fee.
Please be aware that we offer a 12 month guarantee on all ink cartridges, should you wish to return a cartridge (faulty or not) after the 12 months of the invoice date, we will be unable to process your request. This is due to the expiry and shelf life of the cartridges.


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Bonding is a cosmetic procedure that allows the dentist to reshape or repair your smile using composite resin. Cosmetic bonding is particularly ideal if you're insecure about the appearance of your smile or want an affordable alternative to invasive and more costly procedures such as orthodontics or veneers. With bonding, chipped or uneven teeth can be repaired easily and affordably, restoring your self-confidence. Additionally, bonding is often completed in a single visit!
As with most cosmetic procedures, bonding will wear and discolor over time, eventually needing to be replaced; however, bonding is very durable and typically lasts many years.
Reasons for cosmetic bonding:
What does dental bonding involve?
To begin, the dentist will isolate the teeth included in the procedure, etching them in preparation for bonding. After applying the etching conditioning liquid, the surface of the teeth will have small crevices that allow the tooth stronger adhesion with the bonding agent.
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If you want to regain confidence in your smile, contact our practice to learn more about bonding.
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Book presentation: ''How Wars End: Why we always fight the last battle'' by Gideon Rose
Gideon Rose, the editor of Foreign Affairs was at NATO on Thursday 7 July to talk about his book "How Wars End: Why We Always Fight The Last Battle". H. E. Ambassador Ivo H. Daalder, US Permanent Representative to NATO chaired the discussion.
After the conference, Gideon Rose signed copies of his book at a reception hosted by the NATO Multimedia Library.
In 1991 the United States trounced the Iraqi army in battle only to stumble blindly into postwar turmoil. Then in 2003 the United States did it again. How could this happen? How could the strongest power in modern history fight two wars against the same opponent in just over a decade, win lightning victories both times, and yet still be woefully unprepared for the aftermath?
Because Americans always forget the political aspects of war. Time and again, argues Gideon Rose in this penetrating look at American wars over the last century, our leaders have focused more on beating up the enemy than on creating a stable postwar environment. What happened in Iraq was only the most prominent example of this phenomenon, not an exception to the rule.
"This is a brilliant book on an important subject. Americans are always disappointed with the outcomes of wars and the troubled peaces that follow. Gideon Rose explains that this is because of the way we think—or don't think—about war and peace. The book is a masterpiece of historical analysis with lessons for our strategy in Afghanistan and beyond."
— Fareed Zakaria, author of The Post-American World and editor of Newsweek International
"In his trenchant study of how difficult it was to end wars in the past century, Gideon Rose draws fresh and persuasive lessons for how to define and achieve U.S. interests, both in Afghanistan and in the face of future challenges. A timely and important work."
— Strobe Talbott, author of The Great Experiment and president of Brookings Institution


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Throughout history, Jews have remained firmly rooted in Jewish tradition, even as we learned much from our encounters with other cultures. Nevertheless, since its earliest days, Reform Judaism has asserted that a Judaism frozen in time cannot coexist effectively with those who live in modern times. The great contribution of Reform Judaism is that it has enabled the Jewish people to introduce innovation while preserving tradition, to embrace diversity while asserting commonality, to affirm beliefs without rejecting those who doubt, and to bring faith to sacred texts without sacrificing critical scholarship.
Reform Judaism affirms the central tenets of Judaism – God, Torah and Israel – even as it acknowledges the diversity of Reform Jewish beliefs and practices. We believe that all human beings are created in the image of God, and that we are God's partners in improving the world. Tikkun olam — repairing the world — is a hallmark of Reform Judaism as we strive to bring peace, freedom, and justice to all people.
Reform Jews accept the Torah as the foundation of Jewish life containing God's ongoing revelation to our people and the record of our people's ongoing relationship with God. We see the Torah as God inspired, a living document that enables us to confront the timeless and timely challenges of our everyday lives.
In addition to our belief that Judaism must change and adapt to the needs of the day to survive and our firm commitment to tikkun olam, the following principles distinguish Reform Jews from other streams of Judaism in North America.
Reform Jews are committed to the principle of inclusion, not exclusion. Since 1978 the Reform Movement has been reaching out to Jews-by-choice and interfaith families, encouraging them to embrace Judaism. Reform Jews consider children to be Jewish if they are the child of a Jewish father or mother, so long as the child is raised as a Jew.
Reform Jews are committed to the absolute equality of women in all areas of Jewish life. We were the first movement to ordain women rabbis, invest women cantors, and elect women presidents of our synagogues.
Reform Jews are also committed to the full participation of gays and lesbians in synagogue life as well as society at large.


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This grand-scale vintage-style dining table is crafted from solid pine with X-structure stretchers beneath for extra support. Features hand-distressing throughout for the look of a handed-down piece. Seats 12.
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Nature Refreshments Banner
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This classic, tall banner stands above the rest. With its narrow profile and extra height, it's the ideal choice for high-traffic areas or to provide directions around your building.Our non-wrinkle polyester fabric hangs softly providing an elegant, dressy, wrinkle-free look, and the dye-sublimation printing process provides bright colors and images.
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Indoor fabric banners are printed on wrinkle-resistant 5.3 oz Polyester Poplin with Dye Sublimation printing for bright, crisp colors and graphics
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Binders & Index Tabs
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Activity 41 - Advertising Contraceptives
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Make your projects shine with Black Cat SVG file! Our digital download design is the perfect way to create stunning visuals for any project. Our Black Cat SVG file is perfect for t-shirt design, scrapbooking, photo albums, card making, coffee mug designs, prints, and anything you want to cut with your Cricut and Silhouette. We offers the perfect high-resolution artwork for all your creative needs. With a few simple clicks, you can easily bring life to any project with our beautiful designs. Download now and get creating!
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War (What is it Good For?)
I've been promising this for a while: a smackdown post wherein I drag Caitlin Flanagan and Linda Hirshman into my bloggy ring and bash some heads together. Problem was, every time that I started putting my thoughts to screen, I'd get mad and start ranting. No matter what corner I started from, I'd end up shrieking HI-yaah! and flinging myself footlong, Miss Piggy-style, at my antagonists. And then screaming and clawing and pulling hair.
That is, I would have done. Except that my opponents weren't really there and it was just me cursing at the page.
So I needed to retreat to the corner and calm down.
And I needed to figure out just what was making me so mad.
The obvious source of frustration for me is, of course, my disagreement with their respective positions. I've already addressed Caitlin Flanagan's argument that it is simply best that, where possible, mothers stay at home with their children and have stated that I think that it is, for the most part, bunk. And there's much that I could say, and someday will say, about my thoughts on Linda Hirshman's argument that life in the home is not particularly conducive to human flourishing and that women should, therefore, reject any assignment to the home. I want to say more about it someday - soon, I hope - because the question of whether and how women, and especially mothers, contribute to public life, and so whether and how they flourish, is central to my academic work. And although I am merely a flea in the academic microcosmos that Hirshman inhabits, I'm a pretty fucking ballsy flea and am pretty comfortable stating that she is, in my own academic opinion, wrong.
(And, how many opportunities to I get to pretend that my years and years of - in Hirshman's estimation - useless study in the field of political philosophy might qualify me to contribute to a public debate? Mama-blogging isn't just about keeping track of shits and spits, you know. It's mah soap-box.)
But I'm going to save that for later. 'Cuz that's a long post and a pedantic one and I haven't been sleeping because WonderBaby hasn't been sleeping blah blah blah and it would probably just degenerate into another rant about gods and penises. And in any case, I'm more interested, for the moment, in figuring out why this all makes me so angry.
It's not just that I disagree with Flanagan and Hirshman. I've spent enough years in undergraduate and graduate seminars reading crap theories about crap nonsense - including plenty of crap-assed feminist and post-feminist and I-ain't-no-feminist theories that only ever amount to so much useless gynobabble - to be really bothered by one or two more dumps in the bowl.
What's bugging me - and here I am not going to win any awards for originality - is that women, women, like Flanagan and Hirshman continue to force the dynamic of disagreement among women and insist that that disagreement is grounds for war. They demand that we choose sides, even as they insist that we are not within our maternal and/or feminist rights to freely choose our lives. If you wish to be a true mother, a truly good mother, says Flanagan, then you have no choice: you must stay at home. If you are a true feminist, a truly good feminist, says Hirshman, then you have no choice: you must not stay at home.
Pick your side. You're either for us or against us.
Flanagan and Hirshman have been holding opposing fronts in the so-called Mommy Wars, dictating hard lines from their respective sides. And I hate hard lines. I'm not interested in either of these women telling me or any other mother what is best for us as mothers and/or as women. I didn't sign up for this war, I don't support this war. Don't ask me to march, don't ask me to fight. Don't ask me to wave a flag on behalf of our side.
'Cause I don't know what side I'm on. More to the point: I don't want to have to choose a side. I'm not comfortable with the absolutist character of either of these sides.
But I want to be clear: this isn't a cry for unfettered freedom of choice. I do think that the single greatest contribution of feminism to the lives of women in the West has been the propagation of the principle of choice, for women, as an ideal. But the resolution of the Mommy Wars is not going to come about through a simple affirmation of the principle of choice. The Mommy Wars continue, I think, because we are reluctant to whole-heartedly embrace the idea that one side is as good as the other - or to reject the idea that there may in fact be one right way.
The notion that there may be 'one right way' - to live, to believe - is a tremendously compelling one. It has fuelled and sustained empires and religions and civilizations. It promises to simplify things, to make life clearer. And there is, I think, no life that so provokes the desire for clarity - for salvation through clarity - than that of a mother (and perhaps that of parents more generally.) And I think that there is no state of being (human being) that so stimulates the desire for truth as the state of being a parent. We want to know what is truly best for our children, what is right. And I think that most of us believe, or at least suspect, that when it comes to parenting, to protecting and nurturing children, not all choices are equal. We know that there is such a thing as bad parenting. We know that there is such a thing as neglect. We know that some children - many children - turn into unkind, unpleasant, inconsiderate, nasty adults. There is a wrong way.
And because we love our children, we want to know what the wrong way is, so that we can avoid it. And if there is a clearly marked right way, we want to know that, too. And if someone with a degree or a publishing contract comes out and says publicly that the path we've chosen is the right one, we cheer. If they say it's the wrong one, we get nervous. Or mad. And we fight.
And so the War continues. And will continue, I think, until we are prepared to admit two things. One: that there are right ways and wrong ways, good choices and bad choices, and that a simple affirmation of choice qua choice is not enough to allow us to identify the good and avoid the bad. Two: that the correct path is not going to look the same for every woman, mother, father and family.
I don't know what the right way is. I do know that there is more than one right way. And I know - and I'm comfortable making a knowledge claim on this - that whatever maximizes the stock of love in our families is what best points us in the direction of the 'right way.' That's not going to look the same in every family, but it boils down to the same things: love and care and respect - for our children and our partners and ourselves - and love love love. Everything else is so much detail, so much window dressing, so much she said/she said.
That's what I say, anyway. Bad Mother out.
I told her to say all that.
For further reading: check out what Mo-Wo, L., Sheryl, Christina (in her July exchange post over at Cape Buffalo) and TOMama (at Literary Mama) had to say on this subject.
And - more links! - check out what Kittenpie said about the whole Mommy War thing back in March, BubandPie's take on Hirshman here, Toyfoto's recent thoughts here, and what MotherGooseMouse had to say. And Laural Dawn wrote this after reading my words. Also check out what Beanie Baby had to say, and Moonstruck Mama, and Veronica at Toddled Dredge.


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All cross stitch charts come with easy to read instructions and DMC floss list. Downloads are in pdf and are compatible with easyreader and other cross stitch apps.
Charts are designed on 25ct, however, you may use ANY count you would like. They look great and keep all details no matter which count of fabric you use. The only thing that will change is the size of your finished design. There are no specialty stitches to this design, only full cross stitch.
Stitch Count: 350 x 465
Design Size: 14″ x 18.5″ (25ct Fabric)
Chart Design © Tilton Crafts : Adapted from Art © Alphonse Mucha


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Sunday, October 31, 2010
Clam Fritters
From the kitchen of One Perfect Bite...I found this recipe several weeks ago while searching for dishes that would allow me to use the large cans of chopped clams found in warehouse stores. It was originally developed by Craig Claiborne, a prolific food writer and editor at The New York Times. He called the recipe Bonacker-Style Clam Fritters and considered it to be a perfect example of authentic American cooking. Bonacker is the name given to natives of the East Hampton, Long Island. Fortunately, this dish had been featured at Saveur.com and I was able to retrieve the original recipe from their files. I wanted to make the dish as it was written, the only substitution being the use of canned for fresh clams. The most difficult part of this exercise was determining how much meat would actually be harvested from 4 dozen cherrystone clams. Available search engines failed me, so I splashed water on my face, put on some lipstick and went for a chat with my guys at the fish market. Based on the assumption that all the cherrystones were the same middling size, the guys were certain - certain mind you - that I'd need 2-1/2 cups of chopped canned meat to equal the amount that I'd get from freshly shucked clams. It, of course, took another 20 minutes to explain why I was going through the exercise in the first place and by the time I left the market I wasn't quite sure why myself. At any rate, I made it home and we had great fritters for dinner. These are less doughy than most I've had and I really enjoyed them. I think you might too. Here's the recipe.
Clam Fritters (Bonacker-Style Clam Fritters)...from the kitchen of One Perfect Bite, courtesy of Craig Claiborne and Saveur
1 cup all-purpose flour
1 teaspoon baking soda
2 teaspoons baking powder
2 eggs
1 tablespoon lemon juice
1⁄3 cup clam juice
1⁄4 cup milk
1 tablespoon melted butter
Pinch cayenne
2 tablespoons finely chopped fresh parsley
2-1/2 cups coarsely chopped, drained clams
Salt and freshly ground black pepper
Vegetable oil
1) Sift together flour, baking soda, and baking powder in a mixing bowl. Whisk in eggs, lemon juice, clam juice, milk, butter, and cayenne, whisking until batter is smooth. Add parsley and clams, then season with salt and pepper. Mix well.
2) Add vegetable oil to a heavy skillet, to a depth of 1⁄8-inch, and heat over medium heat. When oil is hot but not smoking, spoon about 2 tablespoons of clam batter for each fritter into hot oil. (Work in batches and avoid crowding pan.) Fry until golden on one side, then turn fritters and continue frying about 2 minutes more. Make sure fritters are cooked through. Drain on paper towels. Season to taste with salt and pepper. Yield: 16 fritters.
You might also enjoy these recipes:
Linguine and Clams with Garlic White Wine Sauce - The Red Spoon
Cuban Clam Fritters with Cilantro Mayo - Lazaro Cooks
Spaghetti Frutti di Mare - Cooking-Gallery
Clams and Mussels in Tomato Broth - Mangiandobene
Clams with Green Peppers Tomatoes and Wine - My Mediterranean Diet
Karin's Curried Clam Pie - Pithy and Cleaver
Italian White or Red Seafood Chowder - What's Cookin' Italian Style Cuisine
24 comments :
- Ginny Hartzler said...
I have never had clams in my life, but if you offered me these, I would try them!! They look amazingly crisp, light, and yummy.
- October 31, 2010 at 12:10 AM
- Momo said...
wow,looks so delicious!
- October 31, 2010 at 2:01 AM
- Jeannie said...
These look so good! I am sure I would enjoy this too, especially with some spicy dip!yum!
- October 31, 2010 at 4:44 AM
- Flavia Galasso said...
I would like ti try this interesting recipe...thanks a lot and may you have a nica HAlloween!!!
- October 31, 2010 at 5:58 AM
- T.W. Barritt at Culinary Types said...
I loved hearing about your "in the field" research, and these fritters look well worth the effort!
- October 31, 2010 at 7:24 AM
- Diane said...
Oh yummy, yum yum...... Diane
- October 31, 2010 at 7:36 AM
- ♥Sugar♥Plum♥Fairy♥ said...
Gosh these will sure be so delicious, have nevr had these !!
U rock , happy weekend! - October 31, 2010 at 8:44 AM
- Jen_from_NJ said...
Thank you for the conversion - great work! Your fritters look fantastic!
- October 31, 2010 at 10:39 AM
- nanny said...
Thanks to you for your investigative work on the amount of canned clams....we can enjoy this delicious recipe...ha
They look wonderful! - October 31, 2010 at 11:23 AM
- Susi's Kochen und Backen said...
My husband would be in clam heaven with this dish! They look wonderful Mary :o)
- October 31, 2010 at 11:50 AM
- Cheah said...
Never knew that you can make fritters with clams. Thanks for sharing!
- October 31, 2010 at 12:43 PM
- Priya Suresh said...
Fritters looks absolutely yummy..
- October 31, 2010 at 12:53 PM
- lindaraxa said...
Mary, you are a genius! we have a few cans of minced clams for when my daughter decides to make her clam dip. I am definitely making these tonight. Many thanks
- October 31, 2010 at 1:00 PM
- StephenC said...
A far superior way to make this would be with "chowder clams," actually Atlantic quahogs. They can be found frozen in tubs without too much difficulty. They proved much better texture and flavor than canned clams.
- October 31, 2010 at 1:26 PM
- Lea Ann said...
These look absolutely wonderful!
- October 31, 2010 at 1:38 PM
- Faith said...
These look perfectly crisp and absolutely delicious, Mary!
- October 31, 2010 at 2:07 PM
- scrambledhenfruit said...
I love clams-These look so good and crispy. A little bit of cole slaw now, and it would be perfect!
- October 31, 2010 at 2:32 PM
- Beverly@Beverly's Back Porch said...
You can also use fresh or frozen chopped conch and have Conch Fritters. When I lived in Key West that was our choice because of the fresh conch. Either is fabulous.
- October 31, 2010 at 2:40 PM
- Cooking Gallery said...
The fritters look wonderful! I usually make mine with prawns, but clams sound great too! Happy Halloween by the way :).
- October 31, 2010 at 4:26 PM
- kitchen flavours said...
This look fabulous! Never had clams fritters before! Thanks for sharing!
- October 31, 2010 at 10:48 PM
- Monet said...
I have never tried clam fritters before, but now I want to eat that entire bowl. I like clams on their own, so I can only imagine how much I would love them coated in batter. Thank you for sharing love!
- November 1, 2010 at 12:18 AM
- pigpigscorner said...
Clam fritters? Very interesting!
- November 1, 2010 at 7:52 AM
- Mother Rimmy said...
My husband is a big clam lover. I'll have to give this one a try!
- November 2, 2010 at 8:46 PM
I grew up on Eastern Long Island and my father would make clam fritters for breakfast. What a great aroma to awake to!
- February 13, 2012 at 3:25 PM


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Page Count: 32
Author: Michele Dufresne
Genre: Fiction
Image Type: Illustrations
Illustrator: Steven Petruccio


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There really is no such thing as a no-cost mortgage loan. There are always costs, such as appraisal fees, escrow fees, title insurance fees, document fees, processing fees, flood certification fees, recording fees, notary fees, tax service fees, wire fees, and so on, depending on whether the loan is a purchase or a refinance. The term "no-cost" actually means that your lender is paying the costs of the loan. All a no-cost loan means is that there is no cost to you, the borrower.
Except that you pay a higher interest rate.
Understand How Loans Are Priced
A variation of the no-cost loan is the "no points" loan, or even the "no points, no lender fees" loan. On these loans you pay all the costs associated with buying a house or refinancing, but you do not have to pay the lender associated fees or points. However, since lenders and loan officers do not do anything for free, the profit has to come from somewhere.
So where does it come from?
First, you have to understand how loans are priced and how mortgage lenders and loan officers earn income. Each morning mortgage companies create rate sheets for loan officers. The rates usually change slightly from day to day. In volatile markets they change several times a day. On the rate sheet, there are many different programs, including the thirty year fixed rate.
There will be one column that lists several different interest rates and another column that lists the cost for that particular rate. For example:
Rate | Cost (points) |
6.250% | 2.000 |
6.375% | 1.500 |
6.500% | 1.000 |
6.625% | 0.500 |
6.750% | 0.000 |
6.875% | (0.500) |
7.000% | (1.000) |
7.125% | (1.500) |
7.250% | (2.000) |
In the above example, 6.75% has a "par" price, which means it has a zero cost. The lower in rate you go, the higher the cost, or points. A point is equal to one percent of the loan amount. The parentheses in the cost column for the higher interest rates indicate a negative number. For example, (1.500) equals -1.500, which means instead of having a cost associated with the loan, the lender is willing to pay out money for those interest rates. This is called premium or rebate pricing.
Zero Cost Loans
How Mortgage Companies and Loan Officers Make Money
The above rate sheet is not a rate sheet designed for public review. In fact, most lenders have a policy that the public cannot see their internal rate sheet. This rate sheet is designed for loan officers and the cost column is the loan officer's cost, not the cost to the borrower. When the loan officer gives you an interest rate quote, he will add on a certain amount, usually one to one and a half points. Most companies leave it up to the loan officer's discretion how much to add on to the base cost. However, they usually require at least a minimum add-on, which is usually one point.
The loan officer's commission depends on his split with the company, which varies. He receives a portion of the add-on and the rest goes to the company.
If we assume the loan officer is adding on one point, and you were willing to pay one point for your loan, then your rate would be (according to this rate sheet) 6.75%. You would pay one percentage point and receive an interest rate of six and three-quarters. If you wanted a lower rate and were willing to pay two points, you could get 6.5%. If you wanted a "no points" loan, then your rate would be 7%. The loan officer and the mortgage company would split the one point rebate, listed as (1.000) on the rate sheet.
See how it works?
In addition to the cost noted on the rate sheet above, lenders have certain other fees they collect, too. These can include document fees, processing fees, underwriting fees, warehouse fees, flood certification fees, wire transfer fees, tax service fees, and so on. Usually, you will not be charged all of these fees, it is just that different lenders call them different things. Some of them are legitimate costs to the lender and some of them are simply fees designed to generate additional income to the mortgage company. They are customary in today's mortgage market and can vary from around $600 to $1,300. In addition, there will usually be an appraisal fee and a credit report fee. Appraisals and credit reports are usually contracted out to independent companies even though these are considered to be lender fees.
Note that it is common for companies who charge higher fees to have a slightly lower interest rate and companies that charge lower fees will usually have a slightly higher interest rate. So if you shop entirely based on fees, you may actually spend more money in the long run because your interest rate may be higher.
The point is that if you want a "no points – no lender fees" loan, then on our rate sheet above, you may get an interest rate of 7.125%. That is because the loan officer has to bump the interest rate even further than on a "no points" loan in order to cover his own company's fees.
If you want a "no cost" loan, then the loan officer has to bump your interest rate even further. That is because all of the costs on your purchase or refinance do not come from the lender. The escrow or settlement company involved in your transaction will charge a fee that must be paid. The lender will require title insurance and the title insurance company charges a fee for providing this insurance. If your new lender requires information from your homeowner's association (if you have one) then the homeowner's association will most likely charge a fee for providing those documents. If you are refinancing, your current lender will usually charge at least two fees: a demand fee, and a reconveyance fee. The demand fee is charged simply for providing payoff information. The reconveyance fee is charged because your current lender prepares a document that releases your property as collateral for their outstanding loan. This document is called a reconveyance.
These charges will add about one additional point to how much the loan officer must collect in premium pricing in order to cover the costs associated with your refinance or purchase. For a zero cost loan, he will normally need to collect somewhere in the neighborhood of two and a half points. Because points are a percentage of your loan amount and most of the costs are fixed, it takes fewer points to provide zero costs on higher loan amounts. On smaller loan amounts it takes more. One percent of $200,000 is $2,000 and one percent of $100,000 is only $1,000, so you can see how it is easier to cover costs on larger loans.
Does it make sense to do a zero cost loan?
On a $200,000 thirty year fixed rate loan, the difference in monthly mortgage payments will be about $87, using the example rate sheet on the first page. Over thirty years, it works out that you will pay more than $30,000 extra for getting a zero cost loan. So if you intend to remain in the home for a long period of time it just doesn't make sense.
Suppose you intend to stay for only five years. On a purchase, using the $200,000 example, if you stayed longer than fifty-five months, it would make more sense to pay your own costs and get the lower interest rate. If you kept the loan for a shorter time, then it makes more sense to pay zero costs and get a higher interest rate.
Except for one thing.
If you knew you were only going to be staying in the home for five years you would probably not want a thirty-year fixed rate, anyway. You would get a loan that has a fixed payment for the first five years, then convert to an adjustable rate or whatever fixed rates are five years from now. These loans have an interest rate almost a half percent lower than thirty year fixed rate loans. Since it is practically impossible to do a zero cost loan on this type of loan, you would have to compare a zero cost thirty year fixed rate loan to paying points on a loan with a fixed payment for five years.
The difference in payments would be about $150. The two and a half point rebate equals $5,000. Working out the math, if you stayed in the home longer than thirty-three months, it would make more sense to pay the points and get the loan with the five-year fixed rate.
Finally, carry the discussion one step further. Suppose you know you are going to be in the new loan for less than three years? Doesn't it make sense to get a "zero cost" loan then?
Then you get an adjustable rate loan. As long as the start rate is two percent lower than the current fixed rate, you cannot lose. The first year you will save a lot of money. The second year you will probably break even. The third year, you will probably give up some of the savings from the first year, but not all of it.
Zero cost loans just don't make sense for most homebuyers.
But they sound really good in an advertisement!
- On a FHA Streamline Refinance Without an Appraisal (not a purchase – which is what the article talks about), it makes sense to do a zero cost loan. This is mostly because the new loan has to be exactly the same amount as the existing balance of the current loan.
- If the homebuyer only has enough money for a down payment and none to cover closing costs, PLUS no arrangement can be made for the seller to pay closing costs, then zero cost may make sense. (However, I would still recommend negotiating terms with the seller – be willing to pay a higher price in exchange for the seller paying your costs.)


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Tell someone you love them in code. Morse code allows you to be a little secret with your message.
This keychain has a brushed finish nickel silver plate featuring the quote "I love you" in a Morse code riveted on to our hand dyed and distressed leather that is sealed for weatherproofing.
Customizable with any word you like at no extra cost.
Shown in natural undyed leather. If you like this color, just select the "as shown" option from the menu, otherwise select whichever color you wish.
Made from hand cut & dyed vegetable tanned leather
Finished with water-resistant coating
Please allows 3 to 7 business days for your order to be made (not including shipping time).
1x3 3/4"
Add item to your shopping cart
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Last updated 16 January 2024.
This Privacy Policy describes how and when PorterandHazel ("I", "me", "my") collects, uses, and shares information when you purchase an item from PorterandHazel (https://www.etsy.com/shop/PorterandHazel), contact me, or otherwise use my services through Etsy.com or its related sites and services.
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I may change this Privacy Policy from time to time. If I make changes, I will notify you by revising the date at the top of the page.
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Additionally, I will make every reasonable effort to inform you when I interact with third parties with your information; however, you are solely responsible for reviewing, understanding, and agreeing to or not agreeing to any third-party privacy policies.
Information I Collect
To fulfill your order, you must provide me with certain information (which you authorized Etsy to provide to me), such as your name, e-mail address, postal address, payment information, and the details of the product that you're ordering. You may also choose to provide me with additional personal information from time to time if you contact me directly.
Why I Need Your Information and How I Use It
I collect, use and share your information in several legally-permissible ways, including:
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Protecting my customers' personal information is crucially important to my business and something I take very seriously. For these reasons, I share your personal information only for very limited reasons and in limited circumstances, as follows:
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I retain your personal information only for as long as necessary to provide you with my services and as otherwise described in my Privacy Policy. However, I may also be required to retain this information to comply with my legal and regulatory obligations, to resolve disputes, and to enforce or perform under my agreements. I generally keep your data for the following time period: five (5) years.
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I may store and process your information through third-party hosting services in the US and other jurisdictions. As a result, I may transfer your personal information to a jurisdiction with different data protection and government surveillance laws than your jurisdiction has. If I am required to transfer information about you outside of the EU, I rely on Privacy Shield as the legal basis for the transfer, as Google Cloud is Privacy Shield certified.
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If you reside in certain territories, including the EU, you have a number of rights in relation to your personal information. While some of these rights apply generally, certain rights apply only in certain limited cases. Your rights are as follows:
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- Right to Change, Restrict, or Delete. You may also have rights to change, restrict my use of, or delete your personal information. Absent exceptional circumstances (such as where I am required to store information for legal reasons) I will generally delete your personal information upon your request.
- Right to Object. You can object to (a) my processing of some of your information based on my legitimate interests and (b) receiving marketing messages from me. In such cases, I will delete your personal information unless I have compelling and legitimate grounds to continue storing and using your information or if it is needed for legal reasons.
- Right to Complain. If you reside in the EU and wish to raise a concern about my use of your information (and without prejudice to any other rights you may have), you have the right to do so with your local data protection authority.
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You may reach me with any concerns relating to privacy at firstname.lastname@example.com , or by mail at my physical address addressed to
For purposes of EU data protection law, I, , am the data controller of your personal information. If you have any questions or concerns, you may contact me at .
Leather should not be fully submerged in water. We seal it to be lightly water proof so if it gets damp while washing your hands or walking in the rain it will be ok. Do not wear it in the shower.
No worries! That is a normal effect from the hand dyeing process. If you use and wear the leather it will soften up like a well worn belt.
We absolutely want to create a custom piece you want to own and love. If it is just custom text that you'd like to change on an item go ahead and order and put your custom text in the notes to seller during checkout.
If you want a fully custom item send us a message and we will get back to you as soon as we can!
We are absolutely seeking wholesale opportunities. Please contact us and we would love to send you details and answer any questions you might have.
All wholesale items can be made to your specific needs to sell in your market.
Yes. We ship everywhere the mail goes. Usually it takes 2-3 weeks to arrive however it can be faster or slower than that. It can take anywhere from a week or more to arrive at your location depending on how long customs takes to process your package and how fast your local delivery service.


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When you sign up for Medicare Parts A and B, you also have the option to apply for a Medicare Supplement insurance plan.
A Medicare Supplement plan, sometimes called "Medigap," is a private insurance policy that can help pay for some of the health care costs that Medicare doesn't cover. But is this coverage really necessary? And more importantly — is it worth it?
To answer those questions, it may help to understand why you'd want to enroll in a Medicare Supplement plan in the first place. Here are some important reasons:
- It helps pay the portion of approved expenses not covered by Medicare. This can include out-of-pocket expenses such as copayments, coinsurance and deductibles.
- There are a variety of plans to meet your needs. Erie Family Life offers four supplemental insurance plans designed to fit your life and your budget.
- With no network, you can choose any doctor or hospital that accepts Original Medicare.
- Coverage is guaranteed to renew each year (unless you make untrue statements, commit fraud, or fail to pay premiums).
As with any insurance policy, the answer to whether the cost is "worth it" will largely depend on your personal financial situation.
But health care and out-of-pocket expenses for Medicare participants are on the rise. If you're concerned about your ability to pay unforeseen health care costs, you'll probably find that the peace of mind a Medicare Supplement plan can provide is worth the cost.
And if you're already an ERIE customer, you may be eligible to get lower premiums with discounts, including:
- Household Discount: Available if someone else in your home has an ERIE Medicare Supplement plan. The availability and amount of this discount varies from state to state. Ask your local agent for details.
- Multi-policy Discount: Available when the Medicare Supplement plan covers an ERIE auto, home or life policyholder. Not available in all states.
When it comes to reviewing and choosing a Medicare Supplement insurance plan, the decisions can be daunting. But you don't need to be an expert because we're here to help. Contact your local ERIE agent or find an agent in your neighborhood for your free Medicare Supplement guide.
Erie Family Life and our agents can help you select the best supplemental plan for your life and your budget. (Available plans vary by state.)
And we'll be here when you need us, ready to answer your questions. That's our promise of service.
ERIE® Medicare Supplement insurance products and services are provided by Erie Family Life Insurance Company. Go to erieinsurance.com for company licensure information.
The policy has exclusions, limitations and terms under which the policy may be continued in force or discontinued. For costs and complete details of the coverage, contact your local ERIE agent or refer to the government guide Choosing a Medigap Policy: A Guide to Health Insurance for People With Medicare. In Wisconsin you will receive "The Guide to Health Insurance for People in Wisconsin."
Eligibility for insurance coverage will be determined at the time of application based on applicable underwriting guidelines and rules in effect at that time.
ERIE Medicare Supplement insurance is not available in the District of Columbia and New York. Life insurance not available in New York.
Medicare Supplement policy forms for Tennessee: EFLMS3003 9/17 (A) TN; EFLMS3009 9/17 (F) TN; EFLMS3014 9/17 (G) TN; EFLMS3019 9/17 (N) TN.
Maryland: Medicare Supplement policies are available to disabled individuals under the age of 65.
Not connected with or endorsed by the U.S. Government or the Federal Medicare program. This is a solicitation of insurance. An agent (or the company) may contact you.
A better insurance experience starts with ERIE.
Haven't heard of us? Erie Insurance started with humble beginnings in 1925 with a mission to emphasize customer service above all else. Though we've grown to reach the Fortune 500 list, we still haven't lost the human touch.
Contact Reiswitz Insurance Agency today to experience the ERIE difference for yourself.


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Previous Lesson
Complete and Continue
The Skinny Fat Solution - Ultimate Bundle
Nutrition Part One: The Problem
The Skinny Fat Epidemic
Why the Epidemic is Maintained
The Ferrari Model of Fitness
The Goals
Video: Introduction (10:05)
Nutrition Part Two: The Variables
Calories 101 (9:47)
Recomposition 101 (11:10)
Protein 101 (9:27)
Fat 101 (6:12)
Carbohydrates 101 (5:39)
Flexible Dieting: The Secret Revealed?! (8:23)
Micronutrients (5:30)
The 21st Century Is Screwing Us!
Meal Timing
Intermittent Fasting (16:54)
Nutrition Part Three: The Skinny Fat Solution
Tracking Food Intake (18:09)
How To Track Progress (11:48)
The Skinny Fat Solution
BONUS: The Skinny Fat Solution Nutrition Calculator
Example Build-A-Diet
Nutrition Conclusion
*UPDATED* Nutrition Part Four: The Official Skinny Fat Solution Meal Plans
Meal Plan V1
Meal Plan V2
Meal Plan V3
Meal Plan V4
Meal Plan V5
Meal Plan V6
Meal Plan V7
Example Macronutrient Sources
Example Diet: 160-lb Male
Example Diet: 190-lb Male
Example Diet: 145-lb Female
Training Part One: Laying the Groundwork
How Quickly Can We Progress?
Muscle Mass 101
Wasted "Newbie" Gains?! (7:56)
*UPDATED* Training Part Two: The Official Skinny Fat Solution Training Plan
Program Structure
Phase 1: Bodyweight Basics
Phase 2: The Fundamentals
Phase 3: Progression
Exercise Substitutions
Training Part Three: The Factors
Training Frequency
Training Volume
Training Intensity & Ideal Rep Range
Weight Selection & Training To Failure
Rest Periods
Progressive Overload (10:51)
The Triple Trade-off
Building Your Ideal Split
Exercise Selection
Deadlifts: A Powerful But Unnecessary Exercise
Training Part Four: Putting It All Together
Training Differences with Age
Additional Ways to Overload
Muscle Anatomy
Breaking Through Strength Plateaus
Building Your Training Plan: The 10-Point Checklist
Strength Standards
Case Study: Me
Training Myths
BONUS: The Skinny Fat Solution Strength Tracker
Training Part Five: Weaknesses
Weak Points & Muscle Imbalances
Fixing Weak Points: Chest
Fixing Weak Points: Biceps
Fixing Weak Points: Quadriceps (Legs)
Fixing Weak Points: Abs
Fixing Weak Points: Deltoids (Shoulders)
Training Part Six: Example Training Plans
Beginner Training Plan
Late Beginner/Intermediate Training Plan
Intermediate Training Plan
Abdominal Training (with Example Training Plans)
Additional Information
Video: Closing Statements (7:57)
Terminology Glossary
About the Author
Thank You
Hybrid 5: The Ultimate Percentage-Based Training Program
Standard Version
Athletic Version
Breaking Through Strength Plateaus
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