text:
Americans routinely buy all sorts of insurance — for cars, homes, health and even pets and boats.
But when it comes to long-term-care insurance, relatively few sign up. Out of more than 313 million Americans, only about 8 million have any such protection, according to the American Association for Long-Term Care Insurance. The low participation rate largely reflects the high cost of long-term-care insurance.
Geneva Hunter, 66, is among those without protection. She is well aware of how helpful it would be to have such insurance. She gets schooled on that point each day: Her 89-year-old mother, Ida Christian, who has Alzheimer's disease, lives with her.
"I do not have [the insurance] because at the time it was offered [through my company], I could not afford it and take care of my mother at the same time," said Hunter, a member of one of three families being profiled by NPR in a series called Family Matters: The Money Squeeze.
"I think it was close to $400 a month," Hunter said. "That's a lot of money when you are caring for somebody else."
But with each passing birthday, Hunter feels more pressure to buy insurance. "I know it's expensive, but I have to do it," she says, because she fears becoming a financial burden to her daughter.
Many Americans share that financial goal: to not burden others. But the reality is that each year, an estimated 11 million U.S. adults need some type of long-term care.
Such care can be crushingly expensive: Just one hour of home-health-aide care costs roughly $20, while the average private nursing home room costs $87,000 a year. Neither routine employer-based medical insurance nor Medicare will pay for extended periods of custodial care.
Scott Hawkins, 46, and a member of another family in the NPR series, says he hasn't yet explored getting long-term-care insurance. In fact, future elder-care costs are so daunting that only humor can help defuse the ticking financial bomb.
"Our youngest daughter [Carley] is a little bit of a comedian and she made the comment one time to us, 'Hey, when you guys get old, don't worry about it' — and we were thinking she is going to say something nice," he said. Instead, she suggested her parents plan on living with their older daughter, Chelsea, who is studying to be a pharmacist.
Scott recalls Carley joking that he would "eat better if you live at Chelsea's house because she'll be making twice as much money as I make being a schoolteacher!"
For the nation's roughly 78 million baby boomers, the time for humor about who will prepare their meals is quickly running out. Many boomers, people born between 1946 and 1964, are expected to fall so far into poverty trying to provide themselves with paid care that they will qualify for Medicaid — the medical care program for the deeply impoverished.
A fortunate few will have long-term-care insurance, but even that option is looking sketchy as more companies exit the business. Insurance giants such as Prudential and MetLife have recently pulled back from offering long-term-care policies. Others, such as John Hancock and Genworth Financial, have turned to state regulators, seeking permission to dramatically hike premiums. Depending upon the location, the insurers' requests for higher rates have been for amounts such as 18 percent or 40 percent or, in a few cases, 90 percent.
Here are answers to some common questions about long-term-care insurance.
What is long-term-care insurance?
This type of policy covers basic daily needs over an extended time. While health care insurance or Medicare helps pay for immediate medical expenses, say, a surgeon's bill, long-term-care insurance helps people cope with the cost of chronic illnesses, such as Alzheimer's disease, or various disabilities. The policies pay for assistance with everything from the basics — bathing and dressing — to skilled care from therapists and nurses for months or even years.
Do you have to be in an institution to collect your benefits?
Long-term-care insurance typically covers out-of-pocket expenses that come with home care, assisted living and nursing homes. Most policies have a waiting period that works like a deductible. So if you need the help of a home-nursing aide, you may have to wait 90 or 120 days before your benefits start to cover those costs.
How much does insurance cost?
The American Association for Long-Term Care Insurance says people should expect to pay an average of $3,335 per year to cover a couple of healthy 60-year-olds on a plan that pays out a $150 daily benefit for up to three years. But prices can vary dramatically, depending upon factors such as the purchasers' age, the level of inflation-adjustment protection and whether the daily benefit will be $100, or some larger amount, say, $150 or $200.
Why is the coverage so expensive?
The premiums are high and rising because providing long-term care can be so risky for the insurer. In contrast, the potential claim on an insured home can be reasonably estimated. If a $100,000 home is burned to the ground, the claim would reflect that amount. But predicting how much care a person might need — and for how long — is not easy.
These days, policies typically are capped at three years because open-ended plans have proved too risky for the insurer. The insurance association points to the case of a woman who purchased coverage at age 43. For three years, she paid her annual premium of $881. Then, she needed care, so she stopped paying premiums and initiated her claim. Her care lasted 15 years and cost the insurer $1.7 million, the association said.
"Insurers paid some $6.6 billion in benefits to roughly 200,000 individuals last year," says Jesse Slome, executive director of the group.
When should you get the insurance?
It's cheaper when you sign up by age 60. You have to be medically healthy to qualify. But, like auto insurance, a policy generally has no "surrender" value. That is, if you never have an auto accident, then all the money you spent on car insurance is gone forever. Typically, that's how it works with long-term-care insurance; i.e., you may pay and pay — and never get back a penny if you don't medically qualify for care.
Also, some people pay their premiums for years, and then get hit with rate hikes they can't afford. They then face the tough decision of dropping their policies — and losing any chance of collecting benefits — or trying to struggle on, paying higher rates or accepting lower benefits, such as less inflation-adjustment protection.
Is it worth buying?
Experts say the insurance can be a huge help, especially for people without children and relatively small retirement savings. But it's far from a perfect solution to all problems. For example, a policy typically covers three years of care, but many people live long beyond that cap. And the new policies are being written with more restrictions to limit insurers' risks.
Whether it makes sense to spend so much money on premiums, rather than focus on building up a retirement savings account, is a complicated equation that requires serious study.
Morning Edition producer Jessica Smith contributed to this story.
It's MORNING EDITION, from NPR News. I'm Steve Inskeep.
And I'm David Greene.
Our series Family Matters is following the lives of three families facing a reality that is growing more common in the United States: Multiple generations living under the same roof, caring for one another.
LADONNA MARTIN: This one's about me...
GREENE: Today we're going to meet the Martin-Hawkins family from Harrisburg, Pennsylvania, and they define what we mean when we say sandwich generation. As you'll hear, two women are juggling their own jobs, finding time for their kids, and also caring for the woman at the center of our story, the matriarch of the family, an 87-year-old woman who likes to sing.
ANNABELLE BOWERS: (Singing) When all the lights are low, may not be new, but I like it. How about you?
GREENE: We met Snootzie(ph) - that's what her family calls her - one morning outside the home of LaDonna Martin, who's one of her caregivers. Her real name is AnnaBelle Bowers, and she was singing along to an iPod, still smiling from the evening she and LaDonna shared the night before.
BOWERS: Oh, we had a good time last night.
MARTIN: We almost went for drinks. How about it?
BOWERS: Yeah. We needed our margarita.
MARTIN: We don't always tell everyone.
MARTIN: I said we don't always tell everyone. That's our little secret.
BOWERS: No. That's our secret.
GREENE: One secret: Snootzie was a bartender for years, and she still brags about how nobody had the guts to mess with her. She lost her husband years ago, and then in 2009, she became frail enough that her family knew it was time to take her in. Two members of the family took that on: LaDonna, who's married to Snootzie's grandson, and also Kelley Martin, Snootzie's granddaughter.
BOWERS: It was funny. I said to my other granddaughter, I said, Kelley, when you and LaDonna decided to take me into your homes, you didn't think I'd live so long. And she said: No, I didn't, grandma.
KELLEY HAWKINS: And she'll say all the time: I just feel so bad. You guys are, you know, doing all this. And we're like, we wanted - we chose to do this.
GREENE: And it's clear it was not an easy choice. That was Kelley speaking right there. She and LaDonna are in their 40s - both nurses, both moms. LaDonna has a son and daughter still at home. Kelley has a daughter in college and another daughter getting ready for college next fall.
To make everything work, to do all the juggling, the two women hatched a plan. Snootzie spends two weeks with Kelley's family, and then she switches houses and spends the next two weeks with LaDonna.
And so how daunting was that decision when you two decided, you know, we're just going to take this on?
MARTIN: Honestly, at first we were like, well, we have to take her in. What else are we going to do?
HAWKINS: Yeah.
MARTIN: And it was like, but then as time goes on, you know, the stress of it is just weighing. We would keep her, and we'll keep her till, you know, we can't. But it becomes a stressor. You just kind of never feel like you can kind of do what you want, and come and go. Like, I can't just - if my kids said mom, come pick me up, you know, and let's run to the mall or run to this sport, well, I have to make sure someone's going to be here with her.
HAWKINS: It's like having another, like, toddler. So, like, you can't just pick up and go. It's - you have to think everything, plan everything ahead, because lots of times, where we're going, you know, we can't take her. We do have a wheelchair and certain different games and stuff. We will just put her in the wheelchair and take her with us. But a lot of times that's not, you know, doable.
GREENE: And I can - when she was talking about how much she sees the two of you do for her, I mean, she clearly see how much you do. What is - if you look back over the last two years - the toughest moment?
HAWKINS: One thing when you do have like your moments, like LaDonna knows exactly what I'm going through, and we're kind of - I can be her sounding board and she's mine, because we're living it.
GREENE: You can hear the stress in those voices. But there are also so many moments of joy.
UNIDENTIFIED CHILD #1: Hi, Snootz.
BOWERS: Hi, honey. How are you?
UNIDENTIFIED CHILD #1: Good. How are you?
GREENE: This is the sound of LaDonna's two kids coming home from school. They're greeted by Snootzie, who's smiling on the recliner in the living room.
BOWERS: How are you?
UNIDENTIFIED CHILD #2: Good.
MARTIN: How was school?
UNIDENTIFIED CHILD #2: Pretty good. I had lots of tests today.
MARTIN: Did you?
UNIDENTIFIED CHILD #2: Yeah.
GREENE: And Steve, getting to see your great grandma every day when you come home from school, I mean, the kids told me that it's something they really cherish.
INSKEEP: I'm glad you brought up that part, David, because as we've mentioned from the beginning, this can be painful. It can be expensive. We heard it compared to caring for another toddler. But this is also something living together, different generations in the same household, something that families choose to do and that they find rewarding, in many cases.
GREENE: And you could feel from this family - and from the others we're following, too - that as hard as it gets, I mean, they grow closer together through this whole process.
INSKEEP: And although we've talked about the financial difficulties that can be involved here - if you have to quit a job, for example, to take care of an elderly parent or grandparent. There can be financial benefits to this, as well, can there not?
GREENE: Yeah. And that financial benefit, Steve, is something that I've spoken to this family a lot about, as well.
INSKEEP: So it can be a double-edged situation. And in this situation, the Martin-Hawkins family has gone to an expert, in effect, for advice - a lawyer, someone who specializes in what is called elder law. Her name is Marielle Hazen, and she gave us some insight into the family's situation.
When somebody comes to you the way that the Martins and the Hawkins came to you, what do you do as an elder-care lawyer?
MARIELLE HAZEN: Well, as an elder-care lawyer, I do a broad range of things. And elder law is really a specialty in understanding the public benefits for individuals. It also deals with establishing decision-makers for individuals. It deals with Medicare. So when - there's benefit issues, Medicare and Medicaid benefits, and also veterans' benefits, a lot of estate planning, a lot of tax work. So elder law is really a broad umbrella of a lot of different areas that impact not just the elderly, but people of any age who may have disability issues and capacity issues.
INSKEEP: Now, the Hawkins and the Martin families, who we've been following, when they came to you, what did they need help with the most?
HAZEN: Well, there are a lot of different issues going on, there. And really, we just say that, you know, obviously, there are two - there's a granddaughter and a granddaughter-in-law - providing care, you know, doing so at sacrifice to their families. But they don't view it as a sacrifice. But there is a monetary sacrifice that happens. And so dealing with that and making it a workable situation in a way that, you know, everyone is going to be protected and needs are going to be met is, you know, one of the aspects of any family caregiving situation.
INSKEEP: So, is the next question, then, whether - I mean, if you're taking care of grandma - if you're taking care of Snootzi, in this case - the question is: Is it fair to ask some compensation from her, and how do you arrange that?
HAZEN: In that situation, grandma's not actually paying for caregiving services. She had a son who had passed away and had left resources to be used for her benefit. But in most circumstances, people don't have that extra set of funding. And so it could be mom or dad or grandma or grandpa who is paying directly for the caregiver services.
INSKEEP: I understand you helped these two families - the Martins and the Hawkinses - draw up a legal agreement. What did you do?
HAZEN: Well, again, talking generally about these kinds of circumstances, people - I see attorneys call them different things, either a family caregiver agreement or a personal care agreement, where there's an arrangement for the caregiver to be compensated for services that are being provided.
INSKEEP: This has got to be an extraordinarily complex thing to wade into, because we're dealing with this clash of emotion and practicality. You want to take care of your mom. You want to take care of your grandma or your grandpa. You don't want to charge for that. They never charged you. But at the same time, there are practical considerations, and the money needs to come from somewhere.
HAZEN: That's right. There are practical considerations. And I see a lot of family members making a lot of sacrifice: leaving the workforce, losing their retirement benefits, losing health care benefits in order to make sure their parents are provided the best care.
INSKEEP: Marielle Hazen is an elder law attorney in Harrisburg, Pennsylvania. Her clients include the Martin and Hawkins families, who are among the families we are following for our series Family Matters. Thanks very much.
HAZEN: Thank you for having me.
INSKEEP: And you can see images of Snootzi's family and read about an insurance policy that many people are taking out to fund their later years, all a part of David's series, Family Matters. It's at npr.org. Transcript provided by NPR, Copyright NPR.


text:
The 2011 revision of the ISO standard for C (dubbed "C11") provides several ease-of-use features, most of which are compatible with C++11. In order to use the normal-looking names I'll show here, you need to include these headers:
<stddef.h>, <stdlib.h>, <assert.h>, <complex.h>, <stdnoreturn.h>, <uchar.h>, <stdatomic.h>, and
C11 and C++11 both provide new syntax for specifying alignment. The expression
alignof(type-name) designates the alignment of type-name; it is a constant expression, as is the familiar
sizeof(type-name). (There's one exception in C: Applying
sizeof to a variable length array, or VLA, produces a non-constant expression.) The expression
alignof(char) is, of course, always 1.
There is a similar syntax for declarations:
int alignas(double) b;
specifies that
b is an
int, but is aligned suitably for a
double. Or for a more realistic example,
alignas(double) unsigned char buf[sizeof(double)];
specifies that
buf is an array of
char, whose size and alignment would be suitable to hold a
Alignment can be specified as an integer:
alignas(constant-expression) specifies the constant-expression as an alignment. Thus,
alignas(type-name) means the same thing as
For each target platform, there is some type that has the largest alignment requirement; that type can be named by the
typedef max_align_t, so a declaration that specifies
alignas(max_align_t) requests an alignment that will be suitable for any type on that platform. If a program requests an alignment that is greater than
alignof(max_align_t), the program is not portable because support for an over-aligned type is optional.
The C11 library provides
aligned_alloc(size_t bound, size_t nbytes), which allocates
nbytes of storage aligned on a
bound boundary. The most common use case heard by the committee was to request a buffer aligned on a cache boundary (typically 32k or 64k); however, you have to check your own compiler's manual because the implementation gets to determine the valid alignments.
Unicode Strings and Constants
The new
u8 prefix for strings creates a string (an array of
char) that is encoded using the UTF-8 encoding. If your text editor and your compiler are using the ASCII representation (most are), then the string
u8"John Doe" will contain the same characters as the ordinary string
"John Doe". The crucial difference comes when your program needs to represent international characters beyond the basic 7-bit ASCII (English) characters. If your text editor and compiler can handle the characters, then your program could contain a string like
u8"α Ä Ǽ Ω" and pass that string to the various C library functions that handle ordinary strings (arrays of
The UTF-8 encoding is increasingly popular; for example, it is the default encoding for XML. To the extent that you have a choice about character representations, it appears to me with the benefit of decades of hindsight, that UTF-8, using the
u8 strings, is the simplest and best choice.
However, you may not have this simple choice, so C11 (and C++11) also provide several other Unicode representations. A string like
u"αΩ"creates an array of
char16_t values (encoded in UTF-16); similarly, a string like
U"αΩ" creates an array of
char32_t values (encoded in UTF-32). Also, there are character constants for
char16_t and
char32_t values, written as
u'α' and
U'α'. Unfortunately, if you need to use these more complex features, you may need to know about endian-ness, surrogate characters, differences between Windows and UNIX/Linux representations, and this overview article cannot provide enough details to address all those issues.
Type-Generic Macros
The C99 standard introduced type-generic macros into the standardized library. For example, you could invoke
fabs(x), where
x is either
double, or
long double. What happened auto-magically was that invocation of the type-generic macro
abs would cause invocation of one of three separate library functions
fabs(double), or
fabsl(long double). However, in C99, you had no opportunity to use the same magic for your own purposes. Now, in C11, you can create a
fabs(x) that will be portable to any other C11 compiler:
#define fabs(X) _Generic( (X), \ long double: fabsl, \ default: fabs, \ float: fabsf \ ) (X)
This method defines a macro named
fabs, which will cause the invocation of several different library functions, using the new C11 syntax for the
_Generic keyword. That
fabs macro is an ordinary macro defined in the preprocessor. For example,
fabs could be undefined (using
#undef). As you see, type-generic macros provide only a tiny portion of the full-blown overloading that is available in C++, but it's enough for purposes such as the type-generic math library.
Miscellaneous Ease-of-Use Features
It is now possible, in C11 and C++11, to inform the compiler that a function will not return. For example,
exit is a function that does not return, so it can be declared like this:
noreturn void exit(int status);
noreturn in this way can assist the compiler's optimizer, possibly eliminating unnecessary warnings.
C11 and C++11also provide
static_assert(constant-expr, string-literal); if the constant-expr is zero, then a diagnostic message containing the text of the string-literal will be printed. As the name implies, the
static_assert is evaluated at compile time, so it can prevent compilation with incompatible options; for example
static_assert(sizeof(void*) == 4, "64-bit code generation not supported");
One common use of
static_assert is to verify that resource configuration is adequate:
static_assert(NUMBER_OF_BUCKETS >= 16, "NUMBER_OF_BUCKETS must be at least 16");
The message produced by
static_assert will contain, ind addition to the string-literal argument, the file name, line number, and function name (if any).
The C11 standard provides three macros that are helpful for C/C++ compatibility for programs that use complex floating-point values:
double complex CMPLX(double x, double y); float complex CMPLXF(float x, float y); long double complex CMPLXL(long double x, long double y);
Your C++ version of the program could create corresponding macro definitions (but the C++11 standard does not provide these):
#define CMPLX(x, y) std::complex>double<((double)x, (double)y) #define CMPLXF(x, y) std::complex>float<((float)x, (float)y) #define CMPLXL(x, y) std::complex>long double<((long double)x, (long double)y)
Finally, there's a committee decision that was inadvertently left out of the published standard: The pre-defined macros
_ _STDC_VERSION_ _ and
_ _STDC_LIB_EXT1_ _ are defined to be
Several other corrections and improvements were made, which won't be itemized here.

subset: commoncrawl


text:
This is a listing for a miniature car ornament that has a Christmas tree tied to the back of the car. I think the car is a red 1980s Mazda. It measures about 1.5 inches long.
This is the perfect gift to give to your kids, your mother, your dad, your grandpa, your grandma, your wife, your sister, or anyone else who loves the holidays They look wonderful hanging on a Christmas tree or from anywhere else.
6-8 business days
Buyers are responsible for any customs and import taxes that may apply. I'm not responsible for delays due to customs.
Just contact me within: 5 days of delivery
Ship items back to me within: 14 days of delivery
Request a cancellation within: 2 days of purchase
But please contact me if you have any problems with your order.
Because of the nature of these items, unless they arrive damaged or defective, I can't accept returns for:
Buyers are responsible for return shipping costs. If the item is not returned in its original condition, the buyer is responsible for any loss in value.
Please contact me if you have any problems with your order.
We love to do custom orders! You can either send us a message and we can make you a listing, or you can purchase something in the store and add instructions at checkout. We can do custom paper shape die-cuts, custom cufflinks, custom laser cut things, and custom flowers.
We can make paper flowers from almost anything! All bouquets are totally customizable.
Paper die-cuts can be cut in almost any shape and color. Just ask!
Custom laser items are not eligible for returns or refunds! Please be very sure it is what you want before you order. We can send you a sample picture before you order, if you want a mock-up done.
-We can make paper flowers in any size, from teeny to huge!
-Paper die-cut shapes can be done from small (about 1") to huge (usually around 10.5"). Some shapes have too much "detail" to be done really small. Almost anything can be done huge!
-Wood guest book puzzles can be done in any size. Price will increase with size of puzzle, as we have to use more wood to make it.
-Pretty much everything in our store can be changed to a different size. Please message us with questions!
-Most of our jewelry is silver plated. Silver plate needs to be polished just like regular silver. It's actually easier to clean than sterling silver.
-If you buy a lace pendant or memory locket from me, please DO NOT submerge it in water. Waterproof memory lockets available upon request.
-Paper flowers do best if kept out of direct sunlight. They will fade if you leave them sitting in the sun.
-All items are packaged really well for shipping! Especially the paper stuff.
-We package all jewelry (cufflinks, earrings, necklaces, etc) in a gift box.
-If you want a note included with your order, please leave me a note at checkout with what you want it to say. :)
-We will give discounts for bulk orders. Please send us a message for pricing.


text:
Book Direct with the Owner at On The Ground Attractions Australia with Accommodation Yamba Agent , for all your adventures and things to do.
Address: 28 Tomewin Street, Currumbin QLD 4223
Address: 179 Progress Drive, Bibra Lake WA 6163
Address: 135 Bundall Road, Bundall QLD 4217
Address: 12 Katherine Terrace, Katherine NT 850
Address: Bluff Rd, Devonport TAS 7310
Address: Larapinta Drive, Alice Springs NT 870
Address: Jervois Road, Murray Bridge SA 5253
Address: Monash Drive, Swan Hill VIC 3585
Address: 200 Flinders Street, Beauty Point TAS 7270
Address: Nambour Connection Road, Woombye QLD 4559
Address: Port Douglas, Port Douglas QLD 4877
Address: Cairns Western Arterial Road, Barron QLD 4878
Address: West Esplanade, Manly NSW 2095
Address: 86 Todd Street, Alice Springs NT 870
Address: 1805 Phillip Island Rd, Cowes VIC 3922
Address: 28 Doctors Gully Road, Darwin City NT 800
Address: 557 Stuart Highway, Winnellie NT 820
Address: 8 Rob Veivers Drive, Cairns QLD 4870
Address: Black Mountain, City ACT 2601
Address: Landsborough Highway, Longreach QLD 4730
copyright © 2020 Accommodation Yamba. All rights reserved.


text:
ACCA (the Association of Chartered Certified Accountants) has said that Government tax abuse plans are unnecessary and will not result in the tax windfall it hopes for.
In written and oral evidence to the House of Lords Economic Affairs Committee on plans to introduce a General Anti-Abuse Rule (GAAR) later this year, ACCA said existing tax laws already caught genuinely abusive behaviour and that the introduction of yet more rules would only create uncertainty for businesses and individuals who have to tussle with an already complex tax regime.
ACCA said that in many instances what has been labelled "tax avoidance" was in fact within the perimeters of tax law and that the introduction of GAAR would not capture those instances.
Chas Roy-Chowdhury, head of tax at ACCA, who had given evidence to the House of Lords Economic Affairs Committee on the issue, said: "We don't need GAAR as there is already considerable legislation in place to capture genuine tax abuse. If the Government feels businesses are not paying enough tax, anti-abuse measures are not the way to go about rectifying that. A fundamental review of the tax system is needed.
"While larger businesses will be able to ensure compliance to GAAR with ease, it will create uncertainty for the many small businesses and individuals who will have sleepless nights wondering whether the perfectly legitimate financial planning they have used is considered abusive under the rules, when the aim of that planning is to create reinvestment, jobs and export opportunities for their enterprise.
"There is also the danger of mission creep where even those who self-assess become exposed to GAAR, which is not why the rules were created."
ACCA said that while the motivation of anti-tax abuse was welcomed, the risk was that the "pendulum would go too far the other way" and make the UK unappealing to investment and unfriendly to small businesses.
Chas Roy-Chowdhury added: "While it is important to have an anti-tax abuse regime that is visible and acts as a deterrent, it should not act as a deterrent to investment and the entrepreneurial spirit which the Government is looking to nurture in the UK. Other countries, such as India, have put GAAR plans on hold for several years to tackle those concerns.
"If the plans go-ahead ACCA would urge that they are phased in on a tax-by-tax basis to reduce confusion and uncertainty and to identify any problems the new rules have."


text:
If you want to travel to French Riviera, Volotea offers you the best last-minute deals. Your affordable flights from Biarritz to French Riviera are with Volotea.
French Riviera is a few clicks from you. Choose your flight Biarritz to French Riviera starting from only Fly with Volotea in July 2021!
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text:
|Top » Catalog » Press Releases
|My Account | Cart Contents | Checkout
|Saturday 31 October, 2020
|13147925 requests since Friday 28 October, 2005
PLEASE NOTE As we sell in both the UK and worldwide the prices shown on this website do not include VAT and Delivery Charges
which will be added (where applicable) at Checkout
Kitchen to Table Limited is a company registered in England Number 04456224
Reg. Off. 19 Fawkham Avenue New Barn Longfield Kent DA3 7HS
Powered by OSCommerce
© Kitchen to Table Limited 2005-2017


text:
You are using an older version of the Internet Explorer browser which is no longer compatible with the features of this site. Please upgrade to the latest browser version for an optimized experience on this site.
Did one of our products remind you of someone special? Or, would you like to "drop a hint" to friend or loved one about an item that you're hoping they might purchase for you? Either way, our "Tell A Friend" feature allows you to send an email with a direct Web link to the item that caught your eye.
Note: special characters such as !, @, ", ', &, *, #, $, %, -, _, etc. are not allowed.


text:
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This will redirect you to the selected website and the basket will be emptied
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FREE Service; You will receive email within 1 hour when your order is Ready for Collection. Have your phone with this Ready for Collection email with you. We will hold your order for 2 days. Still can't make it, no problem, no charge.
Leeds Birstall
Get ready for Tea with this Tea Party for Four set. Your child can host endless tea parties with this colourful set.
Assembly Required: Yes
EU Warning: Not suitable for children under the age of 3 years due to small parts which could cause a choking hazard.
Supplier Contact Details: http://www.smythstoys.com/ie/en-ie/contact/ Supplier Phone: ROI: 076 888 6244 UK: 0333 344 1157
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text:
LIFE IS BEauTIFUL SO WHY NOT SUBSCRIBE TO PR0N?
Before anything else, to everyone on the East Coast, particularly in the NYC area, go to http://theidproject.com/gl_bwarner.htm for further info about my upcoming talk there on August 27th. I have two other area gigs which are as follows:
• Bluestockings - New York, NY - Author Event - Sunday August 26, 2007- 7 pm - Contact: Brooke -for info at firstname.lastname@example.com
• Barnes & Noble - Greenwich Village - Author Event - August 28, 2007 - 7:30 pm
I just got back from the San Diego Comic Convention where, among other things, I had a lovely time at the Suicide Girls booth with lovely Bee Jellyfish and Cake. Bee said that the interview I did on her radio show is one of the most talked about interviews she's done.
Now I've previously said here in this blog that you don't need to subscribe to Suicide Girls to see my stuff on there. And you don't. They offer it for free to anyone who wants to look. But you know what? If you like what I write there you should probably think about subscribing to Suicide Girls. And here's why.
I'll bet dollars to donuts a whole lot of you out there either subscribe to or buy certain Buddhist magazines on a regular basis. And those mags may tell you great details about the Dalai Lama's latest comings and goings, who's been seen out on the town with Thich Nhat Hahn and what the Instant Enlightenment Roshis are selling this month. But they don't have articles every week by me in them. I guess that sounds obnoxious. But if you're reading this I assume you're a fan or at least you love to hate what I write. In either case you might want to support the people who are publishing it.
Bizarrely enough the folks at Suicide Girls actually pay me to write a column there. The money they send me each month has helped defer the costs of running our weekly Zazen classes at the Hill Street Center (I pay for that space) and helped me go out and do talks in far flung places. I wouldn't have even been able to go some of the places I've gone in the past year at all except for spending what I get from SG. I plan to use more of the dosh they send my way to do more Buddhist stuff in the future, including retreats and all kindsa things.
No matter what you think of their business, the people are Suicide Girls are supporting the Dharma. This is an amazing, wonderful and valuable thing. Naked girlie pictures are making it possible for lots of people to hear about Buddhism who would never have been exposed to it in a million, billion years otherwise. I don't really understand it myself. But these folks are making real Buddhism available in an area that had been heretofore untouched by anything of the sort. This is an incredible and mysterious world we live in.
Look. Even if you subscribe, no one's gonna make you look at the nudie pictures. That's up to you. They don't make me blush. It's really pretty tame stuff by today's standards. Then again I spent 11 years in Japan where the attitude towards such things is wholly unlike the Puritan inspired attitudes most Americans hold. When you live for a few years in a place where one of the top kiddie songs is all about tits it kinda makes you more at ease with things like the Suicide Girls. (See You Tube thing below. This is not late-night adult oriented anime. It's a kid's show called Zatch Bell)
Besides the nudie pix, if you subscribe to the site you can post comments right there under my articles instead of posting about them here.
No one at SG is telling me or even encouraging me to try and get you folks to subscibe. I don't get any bonuses for new subscribers. But I've just been thinking about it a lot lately and wanted to say this. For $4 a month you get 4 installments of my writing. I put in a lot more than a dollar's worth of work into those bastard things every week.
Anyway, you don't have to subscibe to get the articles. That's true. If you can't afford it, no problem. Or if you just don't want to, I'm not gonna try and make you. If it creates a big moral dilemma for you, maybe you should avoid that. Or maybe you shouldn't. It's up to you. But if you can I think a few more of you should subscibe.


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Innovation and insight are contextual. Their worth is a function of the problem they solve, the darkness they cast light into. I have this cycle of insights I run through every so often.
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As the number of simultaneous projects I'm working on builds up, or the sheer mass of stuff in my home or office piles up, I start to complain that I need more time, I need more space. No sooner do I reach this conclusion than I realize that this is the wrong insight. Or at least it's impractical. Nobody's going to give me more time or space. The helpful insight is that I have too many projects going on. I have too much stuff. I need to simplify.
No sooner do I reach that conclusion than I realize that I enjoy my projects. I like my stuff. My life has grown complicated, it's true, but while I'm not in love with this complexity, I like all the elements of it.
So finally, I come to the boring conclusion that I just need to get organized.
And that's always true, and always possible. I can always get better at managing my projects and my stuff. There are always new tools and strategies that I can apply to manage the complexity. I've decided that constantly having to come up with new ways to deal with all your stuff may be a sign of maturity.
Let me tell you about two relevant startups.
In March, Yahoo revealed that it was acquiring Summly, a mobile app company started by a 17-year-old from London. Actually, Nick D'Aloisio launched Summly two years ago, when he was 15. The app summarizes news stories. It has won a best-of-the-year award from Apple and the latest version has seen 3/4 of a million downloads just since November.
The hook for most of the news stories about the acquisition (which, presumably, Summly would pick up on) was D'Aloisio's age. And why not? A bright young kid comes up with a good idea and becomes a millionaire overnight. It's an inspiring story. But what I want to focus on is the problem that Summly attempts to solve, a problem that Yahoo thinks is worth (reportedly) 30 million dollars to tackle.
What Summly does is to grab news articles relevant to the user's interests and summarize them in a couple of sentences. It uses genetic algorithms and machine learning for its summarizing, according to D'Aloisio.
Let's gloss over the thought that if a news story is written in good journalistic inverted-pyramid style, you ought to be able to summarize it in two sentences by just grabbing the first two sentences. Yahoo surely knows more about this than you or I, and if Yahoo thinks there's 30 million dollars of value in the technology, there probably is. Anything that reduces the amount of information we have to process is a good thing in my book. As others writing about the acquisition have pointed out repeatedly, we live in a tl;dr world (You know: "too long; didn't read"). Summly was designed to address that problem.
That's one startup story.
The other story involves another young man with an idea. Mario Facusse was a sickly boy, spending much of his childhood in hospitals in his native Honduras. His condition wasn't diagnosed until years later. Spending a lot of time in bed, he got heavily into computers. His bedroom was apparently one big game machine. After a while, his health improved enough for him to attend college, where he studied engineering and played around with physics.
Facusse got intrigued with the idea of passive cooling and started looking for a way to cool all the hardware he had accumulated in his bedroom. All those fans were keeping him awake at night.
Eventually he hit upon an efficient, practical solution for cooling computers passively. He shopped the idea around and found people who were interested, but the plan didn't really come together until he realized that the right market was servers. About then, his condition medical took a turn for the worse and he began to doubt that he would live long enough to bring his technology to market. Then, an experimental treatment in Germany reversed the condition and apparently brought about a cure. Three years later, his company, Xyber Technologies, is going strong, developing and selling passive cooling systems for server farms.
So yes, another young man with an idea who triumphed over adversity and turned his idea into a successful technology firm. And you might think that there was no other connection between the two stories. But they are really about the same thing.
In 1961, Rolf Landauer theorized that there was a fundamental connection between the processing of information and the production of heat. Just last year, researchers at the University of Augsburg in Germany appear to have proven Landauer's theory. To reset a single bit, they showed, generates a minimum amount of heat; and the point is that this is a fundamental limit set not by the design of devices, but by the nature of information itself. Heat dissipation in computer chips is not merely a matter of mechanics, but is inherent in the processing of information.
So Facusse was really addressing the same problem as D'Aloisio. Ultimately, both their innovations were designed to address the glut of information, even though one was dealing with news stories and the other with heat. The information age is afflicting us with a fever of information, and more and more, we are looking for tools to let us chill a little.
So if the breakthrough technologies of today are really all about coming up with new ways to deal with all our stuff, both mental and mechanical, does that mean that the industry is maturing?
For many years, Michael Swaine wrote the "Swaine's Flames" column in Dr. Dobb's Journal.


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What's New?
- Assistant Professor, Humanities
- Slides on Medieval Transition and Early Renaissance
- World Religion 19th and 20th centuries cont.
- World Religions 19th and 20th centuries
- Sikhism by National Geographic
- Sikh Resources
- Intro. to Sikhism by Oxford University
- Intro. to Sufism by OWN
- How Rumi's Teachings Saved Karen
- Slides on High Middle Ages
- Protestant Church Resources
- Assistant Professor, Humanities
Category Archives: 12th Century
Royal Entrance of Chartres Cathedral 1140-50 C.E.
photo credit: Nina Aldin Thune – Wikimedia Commons
West Facade of Chartres Cathedral ca. 1194 C.E.
photo credit: Roby – Wikimedia Commons
Posted in 12th Century, Medieval
Dover Castle 12th c. C.E.
credit: Webzooloo – Wikimedia Commons


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Getting back to the boogie:
This story was told to me the other day by B a lovely 36 year old woman of Italian decent whom I have know for many years and with whom I have shared many a laugh over both successful and unsuccessful liaisons all in the name of love,well lust. She has yet to find the "oogie to her boogie..."
Now B has had her fair share of dates in her quest for "the one" even had relationships that went well past their sell by date if it wasn't for her sheer determination to make it work and prove her father wrong.
Early last summer she had met someone with potential,he ticked most of the boxes including ones that weren't even on the list such as:"knight in shining wet suit"....He voluntarily jumped into the filthy,fuel addled sea between boats and flotsam to rescue B's IPod that had fallen in. She was smitten...so was I! How Mr Fantastico was he? I mean who does that on the first date other than Shrek, who would actually enjoy it? My own BF would say:"Honey,I love you but there is no way in hell I am jumping in there...I'll buy you a new one." And that would be perfectly okay!
He was an incredible kisser and soon turned out to be an incredible asshole when on the drive back after a particular dud evening out,he received a text message at 3am and tried to pass it off as "ads".They in fact turned out to be a booty call and trying to fend for himself,he tripped over the numerous lies he had spun that he was soon caught in the web of his own making. Exit Jacques Cousteau.
B bounced back as she always does and by mid summer met her potential Oogie:X through a popular Internet dating site . They got together a couple of times and enjoyed each other's company,he:extremely gentlemanly and attentive to her needs,she:happy with all the attention. Soon the night was upon them,X invited B over for dinner and she was electric with the anticipation..it was time to take the next step. Dinner was perfect, X took care of everything ... right down to the box of Kleenex by the bed side!?...and the lace hanky artfully placed over the lampshade to create the right shade of cheesy. She told me she wanted to run...all that was missing were the rose petals and cooing doves. She didn't utter a word until X reached out,flicked a switch by his side of the bed and out popped the dulcet tones of the King of Cheese himself, Lionel Ritchie crooning:" Say You,Say Me...." to his now tepid audience.
"For God's sake! Turn that thing off!"
"But why? I find it romantic!"
"I don't...it is a mood killer and mine is on suicide watch."
They did try to make a go of it but B 's pragmatic approach to love and relationships was never on par to X's. He is hearts and roses while she is Guns and Roses...and never the twain shall meet.
And I am not even going to tell you about B and "Argyle sweater man" and his faithful side kick:man bag.....
Recent Posts
Sunday, 31 October 2010
"Say You, Say Me..."
Posted by Reem Adeeb
1 comments:
- Anonymous said...
Great read Reem. Keep the wit coming. Thanks
- 1 November 2010 at 16:30


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Beem- Richard P. Attorney in Chicago, IL
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Monday, February 16, 2009
World Map Mural
1 comment:
- Safe Thus Far said...
I've had this on my Christmas wish list for a few years now. (But nobody's bought it for me yet. LOL) How do you like it so far?
- February 17, 2009 at 5:21 AM
"Your kingdom is an everlasting kingdom,
and Your dominion
endures throughout
all generations.
The Lord is faithful
in all His words
and kind
in all His works."
Has not the LORD made them one? In flesh and spirit they are His. And why one? Because He was seeking godly offspring. So guard yourself in your spirit, and do not break faith with the wife of your youth.
All Scripture is given by inspiration of God, and is profitable for doctrine, for reproof, for correction, for instruction in righteousness that the man of God may be complete, thoroughly equipped for every good work.
I've had this on my Christmas wish list for a few years now. (But nobody's bought it for me yet. LOL) How do you like it so far?
The groom, a young widower and farmer, had recently landed in
John Rolfe, along with the governor, discipled Pocahontas, read to her from the Bible, and taught her to read and memorize scripture. She professed faith in Christ and was baptized, renouncing her former paganism – a demonic worship that included child sacrifice.
Their wedding, blessed by her father, brought peace between the settlers and Indians, called "the Peace of Pocahontas."
Both bride and groom were used by God to establish a colony based on Christianity. Virginia Governor, John Smith, said that, "God made Pocahontas" and credited her with saving the settlement. "[S]he next, under God, was still the instrument to preserve this colony from death, famine and utter confusion."
John Rolfe would save the colony economically by developing the major cash crop, tobacco. Through difficulty starting a new colony he refused to be discouraged calling
Theirs is one of


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Cubs defeat Sox, 5-1, on South Side in first game of cross-town series
Combine one potentially dominant pitcher and one of baseball's worst offenses, and what you get is arguably the best pitching performance in the 10-year history of the Cubs-White Sox crosstown series.
Carlos Zambrano set the tone early in Friday's game at U.S. Cellular Field by striking out the first four hitters he faced. It then became seven of the first nine.
By the time the right-hander was done after eight innings, he'd tied a career-high with 12 strikeouts, allowed just one run on three hits and helped the Cubs to a 5-1 win in front of a sellout crowd of 39,046.
"Tell you what, it was nasty," Cubs manager Lou Piniella said. "He had some really good movement on his fastball, threw some really nice breaking balls, his split — some of them actually fell off the table. Really, really good stuff."
While it was just the Cubs' second win in their last six games, it was the Sox's 20th loss in their last 25 outings.
The majority of those 20 losses are thanks to the Sox's slumbering bats, but of all the pitchers they haven't hit this year — and there have been many — Zambrano may have been the best.
"You know what to expect when Carlos is on the mound, and he's incredible," said the Sox's A.J. Pierzynski, who went 1-for-3 against "Big Z" on Friday. "He had the best stuff I've probably seen all year."
Zambrano (8-6) knew it was going to be that type of day right off the bat.
"My money pitch was a sinker," Zambrano said. "That pitch was working for me. I knew I would have a good game."
The free-agent-to-be has had plenty of those recently after struggling earlier in the year.
In fact, since getting into a much-publicized fight with former Cubs catcher Michael Barrett on June 1, Zambrano is 3-1 with a 1.14 ERA and has allowed just 13 hits while striking out 35 in 31 2/3 innings.
"You have to have pride — all players have pride," said Zambrano, who on Friday threw 113 pitches, 74 for strikes. "It was embarrassing, what I did. I said, 'That's enough.' I was still looking like crap. I was still looking like just another player. I'm an All-Star. I'm a good pitcher. And I have to settle down and shut it off and start a new season.
"I shut the door completely. I'm a new pitcher. Whatever happened in the past is in the past. I'm looking forward to the future."
Thanks to Alfonso Soriano's 36th career leadoff homer and another first-inning solo shot by Aramis Ramirez in his first game since coming off the disabled list, Zambrano had a 2-0 lead to work with before he took the mound.
The right-hander didn't allow a hit until Tadahito Iguchi's single in the fourth and a run until Paul Konerko's solo homer in the seventh.
"I was saying, 'There we go again,' " Sox manager Ozzie Guillen said. "I turned around to (bench coach) Joey Cora in the fifth and I said, 'I hope he doesn't throw a no-hitter.' That's the way I feel. The way he was throwing the ball, he started getting the rhythm, and as the game went by, he got better, got the rhythm."
The same could be said for Mark Buehrle (4-4), who allowed just two runs in seven innings while battling flu-like symptoms. The left-hander left the clubhouse after he was pulled — but before the game was over — suffering from severe dehydration.
"Take away the first inning, and he was really good," Pierzynski said of Buehrle, who allowed four hits in seven innings. "It's a shame that Zambrano was about as good as I've ever seen today."
Yet the game was still in doubt before the Cubs took advantage of a miserable Sox bullpen in the ninth, scoring three runs. Ramirez had an RBI single off Nick Masset before Felix Pie added a two-run single off Matt Thornton.
Ryan Dempster pitched a perfect ninth to finish off Zambrano's gem.
"He's a great pitcher, one of the elite pitchers in the game," said Rob Bowen, who caught Zambrano for the first time since coming over in Wednesday's trade that sent Barrett to San Diego.
"He's young, and he's only getting better."
More Cubs and Sox coverage can be found online at www.dailysouthtown.com/sports.


text:
Colour cards in which the colour appears
Base paint: A
The colours displayed on screen have been produced electronically. They are not a substitute for real colour samples, because our perception of colour is affected by the finish of the material, gloss, lighting conditions, and other factors. Always choose the final colour using standard colour cards available from your retailer. Remember the surroundings and conditions for which you are choosing the colour.
Y value: 34 *
RGB values: 190, 144, 130 (BE9082)
LAB values: 64.92, 13.69, 14.36
Exact NCS shade: 3020-Y67R
Nearest shade as per the NCS standard: S 3020-Y70R
* The hue value is the amount of light reflected by the paint surface as a percentage. The value for black is 0% and for white 100%. The smaller the hue value for a product, the higher it's temperature may rise in direct sunlight. The rise in surface temperature may haste the aging process of the paint and cause thermal effects in the base material. Especially in thermal insulation it is recommended to use products that have a hue value of at least 20%.


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text:
There are few things more exciting in sports than speculating on a man's replacement before said man is even fired. With Eagles coach Andy Reid off to a 3-6 start (and mired in a five-game losing streak) in the 14th season at the helm of the franchise, there is no better time than the present to handicap the favorites in the race to replace him:
(To read Jeff McLane's story on the candidates to replace Andy Reid, click HERE.)
Jon Gruden (2-1): You all are aware of Howard Eskin's report earlier this week. Gruden's undying love for any player to ever play on Monday Night Football could make it difficult to make training camp cuts however. This guy could be your new head coach.
Chip Kelly (7-1): The only college coach on the list, Kelly's Oregon offense rattles plays off quicker than Reid can say "Time's yours." You'll rarely have to worry about a Kelly offense using a needless timeout.
Brian Billick (12-1): Billick's name has not been mentioned too much in the past few years after being fired as the Ravens' coach in 2007. The current FOX color guy was an offensive coordinator before being hired by Baltimore, but hardly showed a knack for finding quarterback talent with the Ravens. Would he be a good fit for Nick Foles or another young passer?
Bill Cowher (15-1): Cowher's tenure with the Steelers served as the model for what we all hoped Reid would be this season - finally triumphant in his 14th year as the head coach of the same team. Fair to question if he would be as driven as a coach after spending the past six seasons in television. But what a scowl!
Sean Payton (20-1): Want to put money on this one? Jonathan Vilma, Gregg Williams and Scott Fujita don't know anything about it. Payton likely stays with the Saints.
Perry Fewell (20-1): Not only would hiring Fewell help the Eagles as well as hurt the Giants, the current New York defensive coordinator has seven games of head coaching experience, having served in an interim position with Buffalo in 2009 after Dick Jauron was fired. Fewell also has a Super Bowl ring, and that's all that counts, right?
Rob Ryan (25-1): If only to improve the crop of vans in the Jetro lot on Sundays, the Eagles should poach the Cowboys' defensive coordinator. Ryan was a much ballyhooed hire in 2011, but the Dallas defense has not been particularly impressive in the season-and-a-half since his arrival.
Winston Moss (30-1): A guy the Eagles probably should have hired as their defensive coordinator prior to last season, Moss is the Green Bay Packers' inside linebackers and assistant coach. He was reportedly considered for the Oakland head coaching position this offseason, but would the Eagles consider hiring someone who has never even been a coordinator at the professional level?
Todd Bowles (35-1): If we're considering Bowles, why not Juan Castillo? Oh yeah - because neither has shown they deserve the shot.
Tony Dungy (40-1): Hard to see Dungy coming out of retirement, but if he did return to become head coach of the Eagles, would Michael Vick remain with the team? Dungy served as Vick's mentor following his release from prison in 2009.
Marty Mornhinweg (100-1): Just kidding.
Norv Turner (200-1): Sorry, can't help myself.


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Chau, the picture on you shirt is for display purposes only, please dont eat it.We need to do this again.
There has got to be more photos and feedback from this massive NYC pizza tour, no But, maybe the pizza-hangover needs to wear off first...
Wow. Just now checking in and clicking through 5 pages of post-tour posts. Wow. Thanks to Scott123 for organizing. I wish I could have gone all of Friday, but for me it was more about meeting the folks who I've only known by name. Truly an honor to meet all of you, and thanks for inviting me along.I have a few pics I'll have to go through and edit and then will post. When I get home tonight -- group photo at Paulie Gee's and some of John making a pie at Forcella.I don't know what's going on with Totonno's. In most of the shots the top looks underdone. In some, the bottom looks burned -- but then I see Kelly's shot and it does look too bench-flour-y. I can only imagine how much pizza everyone must have eaten pre-Forcella, judging by the smart way everyone else was sampling. I felt like a bogartin' pizza hog eating the final slices of more than one pie Now ... what city is next for pizza marauders?
Crust issues aside, was their sauce and cheese and different than it normally was? I thought it was a bit lacking but it could just be my heavily salted palate.
Chau, the sauce and cheese at Totonno's were the same but...here is the thing...if ever there was a pie that the sum exceeded the individual components the Totonno's pie was it. At its best, it is light and scarfable with a slightly floppy and chewy crust (the kind that tugs a little when you bite in). It had been a minimalism that worked.I also was thinking about Vesta and that you liked it quite a bit. It looks kinda bready (not in a bad way at all per se). I had an interesting convo with Craig about pizza vs bread at Totonno's. Since Craig indicated he is not a fan of "bread-like" pizza (as I think you and I are, when it is well executed), I wonder how he felt Vesta compared to Forcella for example.Thanks for the comment about Marty -- he has brought a lot of joy to our (my lady and I) lives!
I think we pizza nerds get really picky, but for average customers, it's all really good pizza.
Judging by the pictures alone, this was my favorite. Is this Paulie Gee's? It looks incredible.


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