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Long gone are the days of boring gift bags and typical wrapping paper. We love the unique designs, vintage patterns, and one-of-a-kind gift accessories on Etsy — the possibilities are endless!
You can find the perfect wrapping paper for everyone on your list, be it that special foodie, your animal-loving best friend, the relative that shines all year round, or the cabin-dreaming cousin.
We've asked DIY and wrapping experts to share the secrets to wrapping with style.
Their advice? Shop outside the big box to dress up your gifts with unique finds for every personality.
No matter what style you're feeling this holiday season, this roundup of unique gift-wrapping ideas inspired by Etsy is bound to delight. Get inspired and then shop the look to make your wrapping as special as the gift itself.
1. The Glamour Maven
2. The Dog Lover
3. The Rustic Trendsetter
4. The Foodie
5. The Minimalist
6. The Fun Mom
7. The Traditionalist
8. The Life Of The Party
On Etsy, there's something for everyone. As part of their Difference Makes Us campaign, they're celebrating people's individual tastes with an important message: What makes us different is also what brings us together. We can all cheer to that!
WATCH THE VIDEO below to see how we can all celebrate the differences that make us unique this holiday season.
We'd also love to hear which styles are your favorite — SHARE in the comments and let us know what you end up buying!
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Morgan Stanley (MS) rolled out its 2013 compensation package, which includes a new stock-ownership plan and cuts to bonuses, last week. The package is generally winning praise from industry experts, though they do point to some limitations in its appeal.
"Morgan Stanley seems to be leading in innovation on compensation plans and other areas," said Chip Roame, managing partner of the consultancy Tiburon Strategic Advisors, in an interview with AdvisorOne. "Adding a discounted and matching stock-ownership plan in place of a portion of the deferred compensation plan is likely a move that creates loyalty over the medium term."
The firm, which is led by James Gorman, had 16,829 financial advisors as of Sept.30–down 1% from 16,934 in the second quarter and 5% from 17,661 a year ago. In the third period, it had $7.5 billion of new assets, up 83% from the second quarter and down 23% for a year ago.
In the short term, the compensation changes "may not have much of impact on those waiting to and ready to leave," said Andy Tasnady, managing partner of Tasnady & Associates, which works on compensation planning, performance measurement and plan design, in an interview. "They are motivated by the cash they can get from upfront deals and upfront rates" at rival firms.
The plan's capital-accumulation program, for instance, is available to advisors and branch managers who've been with Morgan Stanley for at least five years and who had $400,000 or more in fees and commissions in 2012.
The reps can invest up to 25% of pre-tax earnings or $150,000. For every 100 shares purchased, they will receive 20 extra or bonus shares. Those in the firm's Chairman's Club need only have been with the wirehouse for three years and can invest up to 25% of pre-tax earnings or $250,000. They will get 25 bonus shares for every 100 purchased. The shares vest immediately and will be distributed on April 15, 2016.
The bonus for total revenue in 2013 will be cut by 2% to cover other adjustments. In 2013, Morgan Stanley will award bonuses ranging from 0.5% to 4.5% on fees & commissions of $750,000 to $5 million. This part of the comp plan includes four-year vesting of stock awards and eight-year vesting of cash awards, which has been the timeline in recent years.
This mix could help the wirehouse keep advisors focused on leaving (or retiring) in several years with as much cash as possible, notes Tasnady. "Also, current and growing star producers–those in the top 40%–may be able to earn back the growth bonus and perhaps get more than before–with the new comp plan, which could protect the better reps who are growing."
On the other hand, advisors thinking about leaving, who've had a good year but aren't sure they can continue to grow as much in the near future, "may try to move sooner rather than later to sell their highest trailing-12-month production to the highest bidder," explained Tasnady. "If you're gonna go, you may need to go now."
Even with these scenarios, the overall 2013 comp plan seems to have more pros than cons–at least in a rising market. For instance, says Roame, the stock-ownership component "offsets one of the major reasons for going independent, which is to own equity in an entity."
Plus, it "brings back a benefit for the former-Smith Barney financial advisors," the consultant says. "And the 20% match/ 25% match for the Chairman's Club, and immediate vesting [on basic shares] are all great benefits."
Bonus shares vest in 2016, when all shares are distributed. "Other firms' programs have far longer times for realization," Roame added.
In down markets, though, stock-ownership plans "can be painful," according to Tasnady, "which is one reason that some firms have moved away from them."
Today, at least, there is some upside opportunity: Morgan Stanley shares are down more than 60% from their January 2008 level.
"This could be a good time to buy into it," the compensation expert said. "That might appeal to some very [successful] advisors, who are comfortable with their current compensation and looking to defer income."
Check out where Morgan Stanley ranked in 12 Best & Worst Broker-Dealers: Q3 Earnings at AdvisorOne.


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For years now, Google, Facebook, and many other (mostly tech) companies have used a quirky Irish tax law arrangement that allows organizations to incorporate in Ireland but legally route money through other jurisdictions. It's all done in the name of drastically reducing tax burdens.
Google in particular has recently expanded its use of the practice, which has come to be known as the "Double Irish." The company moved nearly $12 billion in 2012 alone, saving billions in taxes.
How did this system come to be? According to a new feature by Bloomberg's Jesse Drucker, one of the world's leading experts on these international tax shenanigans, Ireland's "grand architect" of taxation is none other than a highly politically connected Irish financial consultant named Feargal O'Rourke.
The 49-year-old Irishman is the head of the PricewaterhouseCoopers tax services practice in Ireland. He advises the Irish government and corporations including Google.
O'Rourke comes from a longstanding line of Irish powerhouse politicians. His mother, Mary O'Rourke, is a longtime veteran of Irish government. Among other positions, she served from 2002 until 2007 as the leader of the Seanad Éireann, the upper house of the Irish legislative body. Mary O'Rourke's late brother, Brian Lenihan, served as Tánaiste (deputy prime minister), minister for foreign affairs, and minister for justice. One of Lenihan's sons, the late Brian Lenihan, Jr., also served as Finance Minister from 2008 to 2011.
These days, O'Rourke remains a staunch defender of both his own practices and of Ireland as a whole.
"Under no circumstances is Ireland a tax haven," O'Rourke told Bloomberg. "I'm a player in this game and we play by the rules."
The tax expert seems to be parroting a line often repeated by Google and other firms, which no one denies. What these companies do is legal. However, last November, a British member of parliament echoed a common sentiment while slamming Google's northern European operations chief during a committee hearing. "We're not accusing you of being illegal, we are accusing you of being immoral."
In the Bloomberg piece, O'Rourke seemed to suggest that it's not Ireland's fault that American law allows for this practice of incorporating in other countries with lower tax rates.
"Why should Ireland be the policeman for the US?" he asks. "They can change the law"—he snaps his fingers—"like that! I could draft a bill for them in an hour."
Since the 1990s, Ireland has successfully attracted multinational companies (notably Apple, Dell, Intel, and Microsoft among others) to its shores. The country's unemployment rate has dropped significantly over that time. However, O'Rourke doesn't see representing private companies and providing advice to government officials as a conflict of interest.
"Advisers advise, ministers decide," he said.
As Drucker reports, the devil is in the details. There's no denying Irish policy has caused a boom in American tax avoidance:
Ireland's transformation into a hub for tax avoidance can be seen in US Commerce Department data. In 2010, US companies attributed $95 billion in profits to Irish subsidiaries, up more than sevenfold from $13 billion in 2000. Actual employment at those units barely grew during that decade, and the companies' reported tax rate plummeted to three percent from nine percent.
Many of the Irish subsidiaries have no offices or employees and pay no income taxes. They are merely ways to move profits out of countries where sales take place to mailbox subsidiaries in zero-tax island havens.
O'Rourke knows that these practices—low domestic business taxes and the "Double Irish" technique—may not last forever. As he wrote on Twitter earlier this month: "It will be potential US tax reform changes in 2016 that may force our hand."


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The 3d minecraft games is a complement to the cult game.
Yes, minecraft is a really cult game that has become popular among millions of people.
Variety in the game and 3d minecraft games.
We can safely say about the game minecraft, that it will suit anyone, because it has a large selection and wide variety. You can choose different game modes, such as – survival, creativity, adventure, hardcore or watching. Depending on your desire, you can choose the type of world you want to play: normal, super-flat, individual, large biomes, stretched or debug mode. The list of mobs is also huge – they, and friendly, and neutral, and hostile.
One of such varieties is the 3d minecraft games.
Freedom of choice in the game and 3d minecraft games.
Minecraft is an open world in which there are no goals and the players themselves have the right to decide what they will do. And all the variety that is in it you can use as you want. So, for example, numerous 3d minecraft games confirm the possibility of free choice in the game minecraft.
And 3d minecraft games is only a small part of the game world minecraft.


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03 December, 2013 | (01 hr)
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We invite you to explore the link between corporate sustainability initiatives and brand value. The discussion will center on the preliminary results of our study, Sustainability Matters 2014: Sustainability, Brand, and Reputation.
This webcast is part of a new series of unique webcasts featuring exclusive insights from research in progress, across each of our three practice areas. To see the full roster of KnowlEdge Series programs, please see www.conferenceboard.org/webcasts
Audience: Corporate directors and senior managers in charge of marketing, communications, and sustainability issues—including chief sustainability officers, general counsel, corporate secretaries, and investor and public relations officers
Marc Bertoneche
Marc Bertoneche is a visiting professor of finance at the Harvard Business School. He is also a professor in business administration at the University of Bordeaux, an associate fellow at the Said Business School and at Green Templeton College in Oxford and a distinguished visiting professor at HE...Full Bio
Cornis van der Lugt
Cornis van der Lugt is a senior research fellow at the Centre for Corporate Governance in Africa, Stellenbosch University Business School in South Africa. He is also a Geneva-based consultant with over twenty years' international experience in the social responsibility and environmental fie...Full Bio
Thomas Singer
Thomas Singer is a principal researcher in the ESG Center at The Conference Board. His research focuses on corporate social responsibility and sustainability issues. Singer is the author of numerous publications, including Total Impact Valuation: Overview of Current Pra...Full Bio


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Average Listing Price for Future Events
TickPick Pricing DataTickPick's pricing data has been featured in major publications such as The Wall Street Journal, CNN, Forbes, Mashable, and many others. TickPick does not charge any service fees, so the prices you see above are the final prices paid by our customers. On average, customers save 10%-15% per order when comparing prices to other secondary exchanges, which makes TickPick the cheapest source for tickets on the secondary market!
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Glossy finish with a shiny, semi-reflective sheen, slight color variation, and little to no crackled detailing. Applied to our durable Recycled Tile Body. LEED eligible (see Resources for details).
**Measurements represent one star and one cross together with suggested grout spacing between the pieces.
We offer a full range of Tile trim options in every color. Learn more about selecting tile trim here. All of our Tile trim is handmade to order. If you need more help just give us a call at 800-773-2226 or Request Free Design Assistance >>
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Everett McKinley Dirksen Award for Distinguished Reporting of Congress
David Welna 2011
David Welna has been NPR's congressional correspondent since the final days of the Clinton administration. Primarily following the Senate, Welna reports on many issues he covered earlier in his career reporting both inside and outside of the United States, in addition to covering the September 11, 2001 attacks, the wars that followed, and the economic downturn and recession. Prior to this position Welna covered the 2000 presidential election and the post-election vote count battle in Florida.
In mid-1998, after 15 years of reporting from abroad for NPR, David Welna joined NPR's Chicago bureau. During that posting, he reported on a wide range of issues: changes in Midwestern agriculture that are putting pressures on small farmers, how foreign conflicts and economic crises affect people in the heartland, and efforts to improve public education. His background in Latin America informed his coverage of the saga of Elian Gonzalez both in Miami and Cuba.
Welna first filed stories for NPR as a freelancer in 1982, based in Buenos Aires. From there, and subsequently from Rio de Janeiro, he covered events throughout South America. In 1995 Welna became the chief of NPR's Mexico bureau.
Additionally, he has reported for the Canadian Broadcasting Corporation, The Financial Times, and The Times of London. Welna's photography has appeared in Esquire, The New York Times, The Paris Review, and The Philadelphia Inquirer.
Covering a wide range of stories in Latin America, Welna chronicled the wrenching 1985 trial of Argentina's former military leaders who presided over the disappearance of tens of thousands of suspected dissidents. In Brazil, he visited a town in Sao Paulo state called Americana where former slaveholders from America relocated after the Civil War. Welna covered the 1992 United Nations Earth Summit in Rio de Janeiro, the mass exodus of Cubans who fled the island on rafts in 1994, the Zapatista uprising in Chiapas, Mexico, and the US intervention in Haiti to restore Jean Bertrand Aristide to Haiti's presidency.
In 1995, Welna was awarded an Overseas Press Club award for his coverage of Haiti. During that same year he was chosen by the Latin American Studies Association to receive their annual award for distinguished coverage of Latin America. Welna was awarded a 1997 Nieman Fellowship at Harvard University. In 2002, Welna was elected by his colleagues to a two-year term as a member of the Executive Committee of the Congressional Radio-Television Correspondents' Galleries.
A native of Minnesota, Welna graduated magna cum laude from Carleton College in Northfield, MN, with a Bachelor of Arts and distinction in Latin American Studies. He speaks fluent Spanish, French, and Portuguese.


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The Franklin Police Department is searching for Eric Lee Nunn of 258 County Road 456, Woodland, Alabama, after he allegedly stole a 2008 Chrysler Sebring that was unattended in the parking lot of Jordan's Quick Stop, located at 2468 Franklin Parkway.
The theft occurred during the evening hours on Monday, September 12th, while the owner of the vehicle was inside the convenience store for a short period of time.
According to statements gathered by Officer Cecil Price, the owner observed the vehicle as it exited the parking lot, traveling westbound on Georgia Highway 34.
Upon Officer Price being informed of the theft, he and deputies of the Heard County Sheriff's Department attempted to locate the vehicle, but were unsuccessful.
A lookout for the vehicle was immediately given to all law enforcement agencies in the surrounding area and Officer Price requested the assistance of departmental investigator, Lieutenant Tino Brooks.
A short period of time after the investigation began an offender in the theft was identified as Eric Lee Nunn, including other crucial information.
Randolph County deputies were then requested to go to his home, where they located the stolen vehicle. Upon their arrival they observed a male individual flee the scene on foot, into a wooded area behind the residence.
The deputies immediately made contact with other individuals at the location and arrested two of them for drug related charges. They were identified as Carlton Nunn and Willie Nunn, the uncles of Eric Lee Nunn.
Although the vehicle has been recovered, Eric Lee Nunn remains at large and has active warrants for his arrest.
Anyone having information as to the whereabouts of the offender is asked to contact the Franklin Police Department at (706) 675-6624.


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Change may alter the appearance of our small town by taking away Hogans or glossing up Main Avenue with modern buildings and fresh concrete, but you can still rely on a certain local band every Sunday night for familiarity. For two decades, the Blue Moon Ramblers have been as reliable as they come, having played more than 1,200 Sunday shows at the Diamond Belle Saloon and counting.
That is a lot of songs, and over the years more than 20 different members have sat in for a tune, a set or longer, including Pat Dressen, Peter Neds, Karen Mason, Robin Davis, Jeff Solon, Gary Cook and many more.
The Blue Moon Ramblers play most Sundays. Come out!!
Time: 5:30 pm – 8:30 pm
Date: Sunday September 20, 2020
Location: Diamond Belle Saloon
Address: 699 Main Avenue, Durango, CO, 81301
The latest lineup is George Usinowicz on banjo and vocals, Jenny Winegardner on guitar and vocals, Red Greer on fiddle and vocals, Donny Johnson on guitar and vocals and Glen Keefe on bass. Usinowicz has been a Sunday performer at the Belle going on 25 years. Greer and Winegardner are the next longest tenured, with Keefe joining five years back. Johnson was a regular player from 1999 to 2006 and rejoined the band in March.
It all began as a loose jam session. Usinowicz had been playing Sundays at the Belle since 1988 with the Marmot Mud Flaps. In 1992, a group of pickers started an informal yet structured Sunday night jam session, performing without a name. They eventually settled on The Blue Moon Ramblers when a bar patron asked them what they were called. The joke answer stuck.
I still, when I walk up those back stairs every Sunday, still am very appreciative. Ive got a lot of gratitude, Usinowicz said Sunday as the band crowded around a small table in the Strater Hotel lobby before their most recent show. Its been a nice space personally for me. Its a four-hour window every week, and it was Sunday night playing with friends and playing music.
Their wide-ranging repertoire spans Western swing to traditional bluegrass, rock to jazz, all with an Americana twist. There is a familiarity in their song book, whether playing John Hartford or Bob Dylan covers for a small group of locals or a packed house of tourists from Texas, Italy or Australia. Twenty years has given the Ramblers the ability to feel out the audience and keep people entertained with their take on a vast number of internationally recognized songs.
We are not restrained or advertise that we have to play one genre of music. The freedoms weve had here to do and perform what we want with our instruments is pretty rewarding, Usinowicz said.
Yet it is the tradition that remains important, and the Ramblers ritualistic weekly show involving familiar musicians, familiar songs and friends are as much of a Durango tradition as Snowdown or a ride on the Polar Express.
You make lifelong friends over that period of time, Greer said. If it weren't for Sunday nights, I wouldnt know who George was, much less Jenny or everybody else, the whole core. Its a team effort.
Were family, Johnson said.
Article courtesy of the Durango Herald


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'Twisted Links' Earrings: Silver/Pyrite
Brette Jewelry
in stock
Women - Jewelry - Earrings
Brette Jewelry
Free Standard USPS shipping on all products (5-10 days delivery time)
International orders to UK, Australia, Canada:
Free Standard shipping (5-14 days delivery) on all personalized jewelry items.
NOTE: All Personalized jewelry items such as monogram and name necklaces orders are custom made and take 1-3 business days to prepare before shipping.
All other items from various brands and designers are shipped direct from them and take 3-5 days to process order.
Other Info:
All orders will be provided with a tracking number once the order has been shipped and a link to track the package.
Please note that 8.15% sales tax is applicable to Nevada state delivery within USA.
Shipping charges wherever applicable are not refundable.
International Duties and Taxes Information and Custom Delays:
Generally there are no customs delays or custom duties charged on fashion jewelry. However we are not responsible for any custom delays or late delivery due to unforeseen circumstances. You will be solely responsible for clearing the shipped product from customs and any related taxes, fees or duties at your end. Please be aware that your order total does NOT include duties and taxes that may have to be paid in customs before you take delivery of your package. These charges are not collected at the time of purchase. If you are not sure what these charges may be, contact your Post Office in your country for more information.
We ship products from our US, Asian and European Warehouses. We ship the products from any of our sourcing centre where the product may be available so as to meet customer requirement, the customer will be liable to pay custom charges if any, as applicable in there own country. However, We are not liable for any shipping delays caused by courier company. In the event of any such delay we will inform the customer promptly, and the steps taken to make sure the product is delivered.


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If you want to unlock Samsung Galaxy S7 you're in the right way! With our Phone Unlocker app you can get Samsung Galaxy S7 unlock codes for free. So if your phone is locked to a particular carrier like Vodafone, AT&T, T-Mobile, etc., then you cannot use it with a SIM from another provider, and it can be quite irksome.
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If you are going to be travelling, then you will require working on different networks. In another scenario if you have bought a second hand phone or are using a 'pass me down' from a relative or friend, you would need to unlock Samsung Galaxy S7 to change the current carrier SIM with your preferred SIM. Unlocking your phone will also increase its re-sale value.
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Phone Unlocker helps you to enjoy free unlocking of Samsung Galaxy S7. You can unlock your mobile using the Samsung Galaxy S7 imei unlock code and it takes maximum 5 minutes depending on your internet connection. You only need to download and run our Phone Unlocker app and you're ready to Go! Nothing else.
Phone Unlocker is an easy to use tool that can be downloaded and installed onto any desktop and mobile which will unlock any mobile device for free. The tool can unlock phones of all major brands such as Apple, Alcatel, Samsung, Sony, Lenovo, Nokia, LG, Motorola, BlackBerry, HTC, Alcatel, ZTE, Acer, Xiaomi, Huawei and much more. The unlock process is very intuitive and the software is free of malware and spyware. The app is 100% free, 100% legal, and 100% guaranteed.
Unlock Samsung Galaxy S7 Instructions
It is very simple to unlock Samsung Galaxy S7 phone with unlock codes. Insert in your phone the SIM card and turn your device on. Your phone will ask you to enter a Network Unlock (Control) Key that will remove network (provider) restriction and unlock your Samsung Galaxy S7 for other networks. Enter the unlock code from Phone Unlocker and restart your phone and enjoy using your new provider SIM.
Steps to unlocking Samsung Galaxy S7
– Once the software has been downloaded, the unlock code needs to be retrieved to unlock Samsung Galaxy S6 for free.
– The software will ask for the mobile brand and model of the phone
– Finally the imei number needs to be entered (dial *#06# to find your IMEI).
– After that you're free! You will get an unlock code for Samsung Galaxy S7 within minutes.


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One thing I came across, and hope is useful to someone, is the following.
If you're looking to use the pdf_stringwidth() function, and expecting it to give you the proper results when trying to center or position the text, try to avoid using this line in your code:
pdf_set_parameter($pdf, "textformat", "utf8");
I discovered (after much hair-pulling of what remains of my hair) that this line of code increases the amount of space between characters by roughly 100%. Removing this line of code made the text on my generated PDF's significantly tighter and more appealing.


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Broken Arrow Events, Coupons, Reviews!
Subscribe to KidsScoop! The monthly family event and savings newsletter.
818 South Central Expressway, Suite 1 Richardson, TX 75080
I know it's after Mother's Day, but I got something special for the day. It's a Mother's Ring. I've wanted one for awhile, but Travis is always too busy to make one. It does take time! I decided to go with NANA Princess Mother's Ring.
Stones: It comes with 1 to 6 birthstones. I got 1 Peridot (Mica's August Birthday) and 1 Emerald (Isaak's May Birthday). The cost is the same as you go up to 6 stones. It is cheaper to get imitation stones, which I did get. Metal: Sterling Silver, 10k or 14k White, Yellow or Rose. I like White Gold best, second up is Yellow Gold, and my third choice would be Rose Gold. Each metal does make the cost of the different. What metal would you choose? Since we're on a medical budget (my surgeries and Mica's surgery) we've been watching what we spend. For now I get a sterling silver ring. Later on I'll get a white gold ring. Cost: It really depends on the kind of metal you choose, and if the stones are imitation, or not. If you go on the lower end the ring is $79, and if you pick the real stones for 6 stones and yellow gold for the metal the cost keeps going up.
Have you ever bought a Mother's Day Ring?
Mama's Jewelry: Mama's Jewelry has been designing rings and pendants for moms for 30 years, and we have no intention of slowing down! Our company is committed to creating exceptional mothers pendants, rings and earrings at affordable prices.A key benefit to shopping with us is our fast turnaround times. As soon as we receive your order, our CAD technicians and certified jewelers get to work designing and building your custom item. All of our processes follow strict quality control measures. Everything that comes from us has our seal of approval. If we wouldn't give it to our loved ones, we won't send it to you!Most orders for mothers rings and pendants are able to be sent out within 3 to 5 days, reaching you about a week later. If you're shopping at the last minute, Mama's Jewelry will take care of you and ensure that you get a custom made item that looks like it took months to make! For More Information Visit: https://mamasjewelry.com/Save:Mother's Day Special Offer - Save $10 Off already low prices. (minimum purchase $59) @MamasJewelry has been designing rings for moms for 30 years committed to creating exceptional mothers pendants, rings and earrings at affordable prices. Visit: https://mamasjewelry.com/Disclaimer: I got a Mother's Day ring to write this follow up post. This company did not influence me on what to write.
Mama Jewelery
mama's jewelry, the perfect gift
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Mama's Jewelry Circle Swirl Dancing Stone Earrings Review
Jewelry for Moms
Mama's Jewelry Earring Review
Star of David Dancing Stone Necklace
Beautiful Necklace
Dancing Diamonds Speak Love without Words
Review: Mama's Jewelry Makes Earrings Too
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Mother's Day Gift Ideas from Mama's Jewelry


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This gold Elephant necklace is symbolic of determination and strength. This necklace comes with a beaded chain in a choice of three lengths. Perfect for adding detail to any outfit!
This necklace comes complete with luxury gift packaging and a meaning card to explain the thought behind the design.
We also have this necklace available on a plain belcher chain or view the complete elephant collection.
Love bead chains? Discover our complete collection - they look great layered up!
If you are not completely satisfied with your order you can return it within 28 days from the date of purchase. Please make sure to include the original dispatch note (which comes with your order) and clearly mark whether you would like a refund or exchange. If you need longer to return an item due to reasons beyond your control, please contact us.
Please note that earrings are non-returnable for reasons of hygiene and safety and personalised items are non-refundable unless faulty.
A prompt refund of the price of the goods will be issued once all the information referred to above is received. Refunds can only be made to the original payment method or gift credit. If there are any problems with your refund, a member of our team will contact you.
For all returns, except where the item is faulty or dispatched in error by us, you will be required to arrange and pay for the return of the products to us. When returning items you are strongly recommended to obtain proof of posting. We cannot accept responsibility for parcels lost in transit.
Returns Address:
Muru Returns,
Screenworks Unit 218
22 Highbury Grove
Muru is committed to providing a secure payment service.
We accept any of the following payment options online.


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With a month to go before the U.S. tax code turns into a pumpkin, or whatever it was before the 2001 and 2003 tax cuts and various provisions of the 2009 stimulus act–all set to expire at year end–ordinary Americans may have to wait till the last minute to find out their own fiscal fates.
To ease that uncertainty, the Urban Institute and Brookings Institute's jointly run Tax Policy Center has devised a nifty fiscal cliff tax calculator that Americans can use to determine how various plans under consideration might affect their own tax bills.
The calculator uses templates for six prototypical taxpayers–a married family with two children under age 13 or a single filer, to cite two examples. Drop-down menus allow the participant to select from five different income levels, initially, but one can quite easily customize the inputs before calculating his fiscal fate.
In calculating one's tax hit, a participant can compare four different fiscal scenarios: The first is the current 2012 tax law–what Americans are paying now (assuming Congress patches the alternative minimum tax, which it usually does last minute).
The second scenario is the 2013 fiscal cliff scenario; that is what Americans will pay if Congress takes no action and scheduled expirations take effect.
The third scenario is the Senate Democratic plan, which would extend the expiring Bush-era income tax cuts for a year for all but the wealthiest 2% of Americans and extend the credits enacted in the 2009 stimulus act, while allowing the temporary payroll tax cut to expire.
The fourth scenario is the Senate Republican plan, which would extend the Bush-era income tax rate but would allow the tax credits of the 2009 stimulus act and the payroll tax cut to expire.
The tax calculator allows participants to compare two of these four scenarios at a time for one of the six prototypical taxpayers, though the customization possibilities mean that one can run almost any scenario desired.
A poor, single mother with two children under 13 and earning just $10,442 a year will pay more than a $1,000 more under a fiscal cliff scenario than under the Senate Democratic plan; she'll pay $1,200 more in comparison to the current tax scenario. The Senate Republican plan would not change her current tax liability.
Moving across the socioeconomic spectrum, let's look at an upper-middle-class retired couple, over 65 and with no dependents, earning $120,776, mostly in pension and Social Security income. Their tax liability will rise $6,836 a year if we go over the fiscal cliff (compared to their current liabilities). And, in comparison to the fiscal cliff, they'd be far better off under the Senate Republican or Democratic scenarios, both of which would reduce their tax liability to the tune of $6,662 exactly, perhaps an indication that politicians of both parties are not eager to mess with middle-class pensioners.
Financial advisors may have special reason to worry about the fiscal cliff. Their bread and butter client, an upper middle-class family with two children, earning $147,000 a year, would see their tax bill rise by $7,323 if we go over the fiscal cliff. That amount could be close to the savings they're stashing in investment accounts. They'll still take a hit under either the Senate Democrat or Republican plans, but under either scenario they'll be $4,617 ahead in comparison to the fiscal cliff.
If that same family were far wealthier, earning $452,808 per year, than the Democratic plan would cost them $2,430 more in taxes than the Republican plan. And, back to that retired couple whose children have grown up, if they were far wealthier, with an income of, say, $750,837 per year, they'd be paying $21,000 more in taxes per year under the Senate Democratic plan than under the Senate Republican plan.
While the Tax Policy Center's calculator has some utility in running numbers, Americans–for the next month at least–may be on their own in making political calculations. That's because lawmakers are still engaged in their ritual shadow-boxing, leaving much doubt as to the shape of an ultimate tax regime.
On Thursday, members of both parties traded nearly identical accusations of bad faith, signifying the political stalemate could remain until, or possibly past, the new year.
Senator Charles Schumer, D-N.Y., blamed the impasse on the GOP. "You can't start if (Republicans) aren't putting anything on the table. They have put nothing, nothing of specifics on the table," he said.
His Republican colleague Sen. Jeff Sessions of Alabama said it was the Democrats who have not put forth a plan. "Don't the American people have a right to see these taxes and where they will fall? Shouldn't the president of the United States, the only person who represents everybody in the country, lay out his plan, or must that remain a secret…? Will it just be revealed to us on the eve of Christmas or eve of the new calendar year?"


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Step inside, discover the quiet beauty of St Clement's Church, and how much it has changed over the centuries.
Although our churchyard is busy, people are struck by its peace and beauty. Discover how Christians today remember their past with hope for the future.
Christian Name:
Michael Henry
Burial Date:
08:00 Sunday
Traditional service of Holy Communion from the Book of Common Prayer.
09:00 Sunday
At St Nicholas Church, Grève d'Azette. Traditional service of Holy Communion from the Book of Common Prayer.
10:30 Sunday
Our main Sunday service at St Clement's Parish Church.
10:15 Sunday
Sunday School, now called JAM (Jesus and Me), at Caldwell Hall during term time.
09:00 Tuesday
Pastoral Prayers at St Clement's Parish Church
19:15 Thursday
Bible Study at Mont Ubé House, Rue de la Blinerie, St Clement, JE2 6QT.
St Clement's Parish Church
La Grande Route de Saint-Clément, Jersey JE2 6SN
E: firstname.lastname@example.com
Follow us on Facebook
We have a lot more going on!
© 2020 St Clement's Parish Church | Safeguarding | Regulation | Site by Freedom Media


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All the information you need for enrolment
Please take a few moments to read through the information on this page to ensure you are ready for enrolment.
Your stage-specific induction information can be found in the list below and on the calendar at the bottom of the page.
Thank you. We look forward to seeing you soon.
Please note:
Direct entry students are those who have progressed or transferred from another institution (for example, topping up from a partner college).
You may be entering stage 2 or stage 3 of a programme and will need to select the options for 'direct entry' study.
Faculty of Science and Engineering: induction information
Faculty of Science and Engineering
Telephone: +44 1752 584584
Email: email@example.com
Smeaton Building
University of Plymouth
Drake Circus
Plymouth, PL4 8AA
United Kingdom


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In his own words: living with lung cancer
David, now 58, credits an auto accident with saving his life when a post-accident exam turned up lung cancer in an early stage. After surgical removal of a part of his lung, he is attempting to get back his normal life. Here, he shares his story.
What was your first sign that something was wrong? What symptoms did you experience?
I experienced no symptoms at all. If I hadn't been involved in an auto accident, I believe I would never have known I had cancer until it was too late.
What was the diagnosis experience like?
At first, of course, they weren't looking for cancer. The shoulder belt in my car had caught me in the neck and left a little hematoma there. In the course of checking that out, the doctor recommended a CT scan of my neck and upper chest. This in turn revealed a 3 cm lump in my right lung, which they determined to be stage 0 cancer.
What was your initial and then longer-term reaction to the diagnosis?
I was no more surprised at first than my doctor was—he was so sure he'd made a mistake that he insisted on repeating the CT scan at no charge. It wasn't until the report from the needle biopsy came back positive that it really hit me like a bomb. My wife and I just held hands and prayed. Since then, though, I've come to be grateful that I had that car wreck. My doctor tells me that if we hadn't found the tumor that way in August, it would have been the size of a baseball by December and I'd have been in trouble. I think this was God's way of giving me a chance.
How is lung cancer treated?
My daughter is a radiologist at a respected clinic about 100 miles from where we live, and she was able to get me an appointment with a good thoracic surgeon, who removed the affected part of my lung. I was playing golf again less than 2 months after the surgery. The pain following my surgery was horrific, though, worse than I could ever have imagined, and I have continued to take Vicodin for pain when I need it. I did not have chemotherapy or radiation.
I've also experienced some pretty severe depression since my surgery, with bouts of unexplained crying, weight loss, and trouble sleeping. I was afraid that if I went to sleep, I wouldn't wake up again, so I'm on a daily dose of trazodone. I've tried going without it, but I don't think I'm ready yet.
Did you have to make any lifestyle or dietary changes in response to lung cancer?
Once I was back on the golf course I figured it was time to get back to work—I was a manager at an electronics store—but the fatigue from the long commute and the work hours themselves proved to be too much to handle; I retired not long after my surgery.
Did you seek any type of emotional support?
There isn't a support group nearby, but my sister, who had breast cancer years ago, has a masters degree in social work and has helped me deal with a lot of the issues that have arisen. The members of my church have been wonderful to us, too, so I've had a lot of spiritual support. When I got back from the hospital, I found over 250 e-mails of support, some from people I didn't even know. I'll tell you, I went through a whole box of tissues before I finished reading all of those!
Does lung cancer have an impact on your family?
It has been especially hard on our daughter. Since she works in the cancer field, she knows a lot, and is having a hard time thinking of the disease as it affects me. And my wife has been loving and constant. When I was having a really hard time she was always there, but showed no distress or emotion. I finally sat her down and asked her how she was coping, and she cried then. We're getting through this together.
What advice would you give to anyone living with lung cancer?
The important thing is to learn as much as possible and to find people who are supportive. I'm still corresponding with many of the people who reached out to me after I was diagnosed, and it's a great comfort.


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Laerdal Medical Resuscitation Quality Improvement (RQI) Program
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By browsing our website, you agree to the use of these cookies.
You can read more about cookies we use here.
A groundbreaking new method for resuscitation training
Many healthcare providers do not perform CPR as a regular part of their clinical practice, and some rarely perform CPR outside of a annual or bi-annual training course (1). Research shows that CPR compression and ventilation skills deteriorate from lack of use and so does overall quality of CPR. This can happen in as little as 3 months after training (2).
How can healthcare institutions ensure quality CPR and demonstrate adherence to protocols? Currently, busy healthcare professionals spend countless hours collating, confirming and documenting attendance required for external and internal reporting.
Traditional CPR training not only has a direct cost, in terms of fees for instructors or attendance, but there are also indirect costs, such as the loss of time on the ward or at the bedside which can result in reduced patient care.
RQI allows healthcare providers to train in short, frequent intervals – known as low-dose high-frequency training. Skills Stations are deployed within the institution at convenient locations, for example close to workstations. The stations are used for quarterly skills assessments that can be completed on an average of 10 minutes, 24/7. Trainers receive real-time verbal and visual feedback when performing compressions and ventilations, measuring the quality of CPR delivered and designating a score.
A study in Pediatrics showed that frequent short training sessions, known as low-dose high-frequency training, more than doubled retention of high-quality CPR skills (3).
RQI comes with powerful data management tools such as dedicated learning management and analytical tools. In addition to real-time performance feedback for the learner, this provides a visual analysis of organisational. departmental and individual performance data that can be tracked over time. These reports will also identify targets for quality improvement measures, which are highly valuable in terms of auditing and management reporting.
With RQI, the training is self-directed and comes to the learner. This keeps healthcare providers at their workplace and allows training to take place where it's most convenient and suited to their schedule. Data from already implemented RQI programs, show that training now occurs 24/7 with training peaks around shift changes.
This also frees up time and money for instructors and faculty educators, allowing them to focus resources on team training and risk areas instead of basic skills.
Imagine if you had 1000 staff members trained per year for three and a half hours each in basic life support. By implementing the RQI program, you could reduce the training by at least one hour per person, minimum. That is a reduction of one thousand hours – per year.
One thousand hours more for patient care.
Texas Health Resources, USA
Two years after the implementation of the RQI program at the Texas Health Resources hospital in Dallas, Texas, the hospital has achieved:
The Texas Health Resources staff now embrace the RQI program and express little desire to go back to the classroom based training, as the program meets their needs for quality improvement of CPR.
In order to meet National Safety and Quality Health Service (NSQHS) Standards, Cabrini Health of Australia rolled out RQI across their entire healthcare provider workforce.
100% of staff completed training and the data showed training could occur 24/7 with training peaks around shift changes.
With the help of RQI, they received a "Met with Merit" indication in their hospital accreditation.
Matt Johnson, Cabrini Health, Australia
Paramedic exposure to out-of-hospital cardiac arrest is rare and declining in Victoria Australia. Dyson et al. 2015. Resuscitation 89, 93-98.
Part 16: Education, Implementation, and Teams 2010 American Heart Association Guidelines for Cardiopulmonary Resuscitation and Emergency Cardiovascular Care. Bhanji et al. Circulation. 2010;122(suppl 3):S920-S933
Low-Dose, High-Frequency CPR Training Improves Skill Retention of In-Hospital Pediatric Providers. Sutton et al. Pediatrics. 2011;128:e145-e151


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5 things you missed: A musical onesie, Gmail security, more
1. A onesie that actually makes you look cool
A suit created by ByBorre was made for the sole purpose of acting like a music library – essentially turning you into a walking iPod. The BB suit uses 3-D cloth to equip you with Wifi, GPS, Bluetooth and NFC signals. Musicians can even upload their song to your onesie.
Read more: WiFi-enabled onesie is a walking music library(PSFK)
2. With this app, parents can find summer camps for their kids
A new startup is making it a little easier for parents to find summer camps or day programs for their little ones. Camperoo was launched last spring and is a database of extracurricular activities with features such as:
- Managing reservations with a check-in/check-out system
- Payment processing
- Reviews and enrollment forms
Read more: Camperoo helps parents find and book summer camps & other activities for kids (TechCrunch)
3. Create websites without knowing code with Pikock
Pikock is a service developed specifically for those people who want to build their own websites but don't know how to code. The service has custom templates that come with a built-in editor that allows you to edit images and even apply different effects to see what your creation would look like on mobile or desktop versions.
Read more: Pikock: A multi-platform website creation tool for people who can't code(TheNextWeb)
4. With this app, you can be in front of and behind the camera at the same time
AirSnap, a feature that comes with the Camera Plus 3.5 update for iOS, allows you to not only be a photographer but also be in the photo.
How does it work? You tap a little icon that looks like a parachute and the app pairs two devices via Bluetooth so you can choose which camera is the shooter and which is the remote control.
Read more: Camera Plus AirSnap feature lets iOS photographers into the picture(TheNextWeb)
5. Google is now a little more secure with HTTPS
Gmail now uses an encrypted HTTPS connection when you check or send your email, meaning the messages are protected internally when they reach the server. Oh, and no one can turn it off.
Read more: Gmail now always uses an HTTPS connection and encrypts all messages moving internally on Google's servers(TheNextWeb)


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You Are Here:: The Silk Route / About Silk / Silk Glossary -
Silk Glossary
For the initial launch of our on-line shopping web site we have concentrated on our products. We are now working hard to extend our web site to include a glossary of terms relevant to silk. Bear with us while we add to this section.
Watch this space.


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The Learn to Climb course is a comprehensive introduction to indoor climbing. It starts with the same material included in the Basic Top Rope Climber course, but adds technique, supervised climbing practice, and personalized feedback on each student's climbing skills. We also provide you with the understanding of our grading systems and the different types of climbing that you can do in the gym. We will teach you:
Equipment: how to use a harness and belay device
Knots: tying in with a figure 8 follow-through, plus a fisherman's backup
Belaying: using a locking carabiner and ATC to confidently keep your climbing partner safe
Commands: how to communicate with your climbing partner
Bouldering: have fun staying close to the ground
Technique: using balance, flexibility, and strength to move up a face
After taking this course, most students can safely pass the MetroRock belay check, necessary to climb in the gym
Included in the class is a free return day pass with gear rental
Courses can be arranged outside of normal schedule any day with advance notice, please contact us for scheduling.
Course Details
Want to take this class outside? Check out our Intro to Outdoor Climbing class!
|This course is designed for:
|All beginners
|Minimum Age:
|Must be at least 14 years old
|Max ratio:
|6 Climbers : 1 Instructor
|Weekends 9:00am – Noon. Reservations required!
|Equipment Requirements:
|Suggested Prerequisites:
|Prices (per climber):
|$65 per person; course lasts 3 hours. Includes return day pass with gear ($30 value)
Refund policy: Full refund if cancelled 21 days or more before the event. Reschedule or store credit applied for cancellations within 21 days. No refund after the event in case of a no-show.


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In the first part of our post, we deconstructed the typical conference exhibit hall, and offered ideas about how to make it more attractive and useful for advisors in attendance. In the second part of the post, we'll look at better ways to pitch exhibitor products and services and whether or not any of this will actually happen.
Better Ways to Pitch Exhibitor Products and Services
Another challenge of the exhibit hall, and the general interaction between exhibitors and conferences, is that companies want the opportunity to demonstrate their expertise and value, and financial planners need to hear it – except so many companies have abused the opportunity over the years, that most financial planners avoid any kind of sponsored session or content where an exhibitor will be speaking, for fear that it will be nothing more than a veiled (sometimes thinly veiled) sales pitch.
An alternative way to handle this is to provide opportunities to learn more about exhibitors by providing a far more limited time for exhibitors to speak and share but including far more of them at once to maximize the financial planner's time.
A good example of this kind of format is an Ignite event. What is Ignite event? With Ignite, speakers have exactly five minutes to deliver a message to the audience, using 20 (Powerpoint) slides that auto-advance every 15 seconds. The basic premise is that any good, core, quality message should be able to be delivered in only five minutes, and with a standard format, everyone is on equal footing. The worst case scenario, where a speaker either does a poor job, or abuses the time by talking too much about his/her company and delivers too little value to the audience, is not a big deal – just wait five minutes, and it'll be time for the next (hopefully better) speaker anyway. Although in this context, talking about the company's products and services is entirely acceptable – if it's useful information, the audience can follow up for more, and if it's not useful, it'll be over in five minutes. Think of it as a series of controlled and systematized pitch sessions.
Given the number of exhibitors at a conference, content could be made even more relevant by, as with the organization of the exhibit hall itself, grouping Ignite sessions into relevant chunks. For instance, a 30-minute Ignite session could give six CRM software providers their five minutes to make the case about why they're right for the people in the audience, or the most unique, or have the most value, or however else they want to differentiate themselves. Another Ignite session could be featured for broker-dealers, another for marketing consultants, etc. Imagine how useful it would be if you came to the conference knowing you needed new financial planning software, and had an opportunity to sit down for 30 minutes and comparison-shop six providers who each had a focused five-minute session explaining why their software was the best, so that you can decide which software, company, and presentation was most relevant for you to follow up further.
Although Ignite events started in other industries and are used in a variety of contexts, the basic principles of how to produce the event are now well-established, and could be easily adapted to financial planning conferences.
Practical Changes or Idealistic Dream?
While some have suggested that the difficulty in bringing financial planning conference participants to the exhibit hall is something that will never change, recent experiences I've had at a number of conferences suggest this is a problem that really can be fixed.
For instance, in the early years at the T3 Technology Tools for Today conference (which I recently recommended as one of the best conferences of the year), the conference organizers had to adjust the agenda to allow more time between sessions, because attendees complained there was too little time for the exhibit hall. Simply put – the exhibitors were so quality and so relevant to the needs of the attendees, they wanted to be in the exhibit hall. In later years, the conference not only expanded breaks to allow time to meet with exhibitors, but also worked harder to incorporate quality exhibitors into the agenda, because they provided content and information that was truly relevant for the conference participants.
Sadly and ironically, the T3 conference has succeeded in part because so many other conferences are not supportive of technology providers (because they are pushed out of exhibiting by the pricing built for multi-billion dollar asset management firms). But it nonetheless makes the fundamental point: when the exhibitors are truly relevant for the conference attendees, the exhibit hall is not a terrifying experience but instead a popular place to go (and a way to meet the planner's fiduciary obligation for due diligence). When it's better organized and laid out as well, and provide additional opportunities for attendees to learn about the products and services, all the better.


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Less than a day after Australian police issued a warning that drivers should avoid using iOS 6's new Maps app, Apple has fixed the error that stranded drivers in a national park. According to a report in The Register, the data error was reportedly due to a confusing entry in the Australian Gazetteer, which is considered an "authoritative" list of more than 300,000 place names and coordinates. That entry placed the town of Mildura in both its actual city location and the place where the motorists ended up. Apple had incorporated that data source into Maps, which is what led to further confusion.
iOS 6 Maps had put the town of Mildura about 70km away from its actual location into the middle of Murray Sunset National Park, with some drivers ending up stranded in the middle the nature preserve on a hot summer day with nary a cell signal to be found. Victoria police eventually issued a warning to the public to "be careful when relying on the mapping system" on iOS 6 after having rescued at least four of the lost motorists. Because of the police warning, the issue was quick to gain press coverage, further embarrassing Apple over its already shaky reputation with the new version of Maps.
To Apple's credit, the fix came quickly for those Australian drivers looking for Mildura. But what about the other motorists around the globe who have ended up stranded in odd places with much less press coverage? I wrote in my original iOS 6 review that the new Maps dumped me off in the middle of a country highway in Wisconsin while I was on my way to a destination that was at least 10 miles away. Apple has yet to fix that problem. Since that review went up in September, I've received numerous e-mails and tweets from Ars readers claiming similar experiences with Maps in various parts of the world.
The "fault" for these incorrect locations may be due to third-party data, but Apple has chosen to put that data in front of users in a high-profile manner. As Red Sweater Software's Daniel Jalkut pointed out on Twitter, for all the problems Apple might have run into while working with Google on Maps, Google's data was nothing to sneeze at. Apple has serious challenges ahead if it wants to recover its reputation with Maps, and we may end up hearing more stories like the one about lost motorists in Mildura as more users get on board with the iPhone.


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Blodgett Parts
The leader around the world for manufacturing commercial ovens, Blodgett is the brand foodservice professionals in restaurants, hotels, hospitals, fast food chains and more count on to deliver quality cooking equipment. Started in 1848, Blodgett was selling ovens internationally long before international trade became an expectation in the global market. Heritage Parts is excited to offer Blodgett parts, backed by the largest in-stock inventory, +99% parts identification accuracy and same-day shipping. Whether you need Blodgett pizza oven parts, convection oven parts, or any other commercial oven replacement parts, our Parts Specialists have the knowledge and passion to make sure you get the Right Part, Right Time, Every Time!™
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- Heritage Part #: BLA14723
- Manufacturer Part #: 14723
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Maybe present day North America isn't quite as bad as living in the Hunger Games' dystopian republic of Panem, but there's one thing the average Canadian has in common with every citizen of the Capitol, the sinister President Snow included.
We love us some reality TV, and the Hunger Games -- Panem's televised tournament of child-on-child murder -- is a bigger event than the American Idol/Survivor and Amazing Race finales combined.
Josh Hutcherson (Peeta), Liam Hemsworth (Gale) and Alexander Ludwig (Cato) don't admit to PVR-ing any of those figuratively cut-throat competitions -- but the Hunger Games stars revealed their reality-TV guilty pleasures when Dose.ca met them at the flick's Toronto premiere last night.
Which series is Josh Hutcherson dying to make an appearance on?
And what will you never catch Liam Hemsworth watching (because his mom won't let him)?
Watch the red carpet video to find out:
What's On Tonight for


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I decided to make them into a mini-quilt/table-topper using this Table Topper tutorial. I substituted the Farmer's Wife blocks for the 9-patch blocks in that tutorial.
The quilting is super simple, straight line quilting. Not perfect at all – I just eyeballed it as I went, so there's a little bit of imperfection going on. Pretty much all I'm capable of, but it kind of adds to the modernity (good word, eh?) of the quilt.
Be sure to check out the rest of the inspiration as part of this collaboration. You can see the other posts and projects here:
But the best take away from all of this – for me anyway – is the reminder to step out of your comfort zone once in a while – you might be pleasantly surprised by the results.


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Woly Oiled Leather Cream
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Which? Consumer Insight provides a uniquely detailed picture of UK consumers' behaviour and sentiment in the current economic climate. Our data is mapped to provide estimates down to constituency level.
The data explores consumers' top concerns, trust in industries and services, and the extent to which they are experiencing financial difficulty in Romsey and Southampton North. Click on each tab above to see the data in full and compare to the national averages.
(Census 2011)
(Which? tracker 2018)
(Census 2011)
Which?'s local data is based on analysis of the Which? Consumer Insight Tracker. Which? surveyed over 10,000 people throughout 2018 and asked about their consumer concerns and experiences.
Estimates of sentiment were calculated for each 2011 Output Area Classification group, extrapolated down to individual output areas, and averages calculated for each constituency and region.
Please note: These statistics are estimates, and are indicative of the sentiment and behaviour of households within each constituency.


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The annual holiday letter to family and friends has become a modern American tradition, notable for its senders' preening hints to the superior life they enjoy.
Service-oriented businesses have adopted a sterilized version of the holiday letter, paeans of client appreciation together with photos of charitable and volunteer efforts.
But why be bland? Across the pond, retired British Royal Navy officer Nick Crews has electrified his country with a tough-love-style email to his children that has gone internationally viral. Dubbed the "Crews missile," the letter expressed bitter disappointment with his adult children for not making something of their lives and careers.
While hectoring clients that they're slackers when it comes to preparing for retirement is unlikely to trigger a rush of new assets to manage, the starkness of the Crews approach may offer a sort of benchmark that can stimulate a more frank and useful holiday client communication. Herewith excerpts of the Crews email, together with suggested modifications.
Crews' missive begins with an attention-getting opening:
"With last evening's crop of whinges and tidings of more rotten news for which you seem to treat your mother like a cess-pit, I feel it is time to come off my perch."
Your letter would need to set a more upbeat tone, and be written in a manner intelligible to Americans, but evocative language was a good idea. Something like:
"The holidays bring joy, warmth and glittering lights to our year end. A ritualized setting of goals has become traditional as well. But, before we set 2013 resolutions, shouldn't we assess how we did the previous year?"
The above gets to the point right away, contains no untranslatable words like "whinges," and most importantly omits use of "cess-pit." Crews' letter continues:
"It is obvious that none of you has the faintest notion of the bitter disappointment each of you has in your own way dished out to us. We are seeing the miserable death throes of the fourth of your collective marriages at the same time we see the advent of a fifth."
Here Crews expresses frustration, and that is of critical value. Frustration, when sufficiently intense, is what allows breakthroughs to occur. An advisor should introduce some tension here:
"In speaking with clients, I have found the level of frustration to be high. Some clients are financially hemorrhaging while others whose finances are more stable are nevertheless not fully engaged in a financial plan that can realistically meet their goals."
The above sets up two common problems, either of which an advisor is equipped to help with. Crews continues:
"We are constantly regaled with chapter and verse of the happy, successful lives of the families of our friends and relatives and being asked of news of our own children and grandchildren… We have nothing to say which reflects any credit on you or us … Mum and I have been used to taking our own misfortunes on the chin, and making our own effort to bash our little paths through life without being a burden to others. Having done our best … to provide for our children, we naturally hoped to see them in turn take up their own banners and provide happy and stable homes for their own children."
An advisor might put it this way:
"Nothing less than the financial security of you, your children and your grandchildren is at stake here."
Crews adds: "… Which of you, with or without a spouse, can support your families, finance your home and provide a pension for your old age?"
This point needs little translation from an advisor: "Are you fully confident you will have all the income you require in your later years?"
Crews next discusses his children's mishandling of his grandchildren:
"So we witness the introduction to this life of six beautiful children–soon to be seven–none of whose parents have had the maturity and sound judgment to make a reasonable fist at making essential threshold decisions. None of these decisions were made with any pretence [sic] to ask for our advice."
An advisor could put it this way: "Maturity and sound judgment inevitably teach the critical life lesson that threshold life decisions require the input of a professional advisor. I do not have the ability (nor desire) to coerce correct financial decisions, but I very much want to collaborate with my clients to help them make the decisions that put them on a path to financial security and peace of mind."
Crews continues with his analysis of his children's decision-making process:
"… None of you has done yourself, or given to us, the basic courtesy to ask us what we think while there was still time finally to think things through. The predictable result has been a decade of deep unhappiness over the fates of our grandchildren."
An advisor should lift this idea, minus the accusatory tone. Something like:
"With my input, I know you can have a better outcome."
Crews concludes his letter:
"I can now tell you that I for one, and I sense Mum feels the same, have had enough of being forced to live through the never-ending bad dream of our children's underachievement and domestic ineptitudes. I want to hear no more from any of you until, if you feel inclined, you have a success or an achievement or a REALISTIC plan for the support and happiness of your children to tell me about. I don't want to see your mother burdened any more with your miserable woes–it's not as if any of the advice she strives to give you has ever been listened to with good grace–far less acted upon … I am bitterly, bitterly disappointed. "
The retired navy officer's call to action and encouragement of planning are all commendable, though again the tone would be alienating in a client letter.
An advisor might get more buy-in with something like this:
"The new year approaches, and a new paradigm awaits. You need not feel chained by the way you've always done things. If you've lost control of your finances, we can work together to stanch the hemorrhaging. If you're not fully engaged in a plan that affords you a measure of tranquility about your future, then I am available to partner with you on establishing every element of your plan that your future comfort will depend upon. I want to hear from you, as soon as practicable in 2013. I am extremely optimistic that our collaboration will bear fruit in the year, and years, ahead."


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Have you ever needed to vent off steam? Have you ever wanted to say the things that you know you're not "supposed" to say even though they are true? Have you ever tried only to be met with an unknowing response from someone who just doesn't get it? Have you been looking for a place where you can safely scream at multiple sclerosis without someone admonishing you for whining?
Well, then; you're in luck. Today's blog is just the place to let it all fly. Mom may have told us never to use the word "Hate". Sorry mom; MS is something to hate.
I Hate Multiple Sclerosis.
I hate what is does to me, I hate what it does to my friends, I hate what it does to my family. I hate my symptoms, I hate my pall's symptoms, I hate your symptoms. I hate that I have to explain to others my disease even when I cannot understand it myself. I hate the questions, I hate the answers, and I hate when there are no answers.
I hate that MS makes me question myself and my abilities. I hate that this morning was different than yesterday and that tomorrow will be different again.
I hate that Anyone thinks that they can understand my MS.
I hate being on meds, I hate being off meds, I hate what meds do to me, and I hate what meds don't do for me. I hate the decision process about medications, I hate the expense of the medications I hate that there is no cure.
I hate when people lash out at those organizations who are trying to help us, I hate when organizations say they're trying to help but fight with other organizations about who helps better and I hate that some people would rather complain about the way things are rather than get involved and help change things for the better.
I hate that sometimes hyper-sensitivity has me feeling too much and that sometimes numbness has me not feeling at all. I hate that numbers can seem as foreign as the Cyrillic alphabet and that faces and names often orbit rather than attach. I hate what MS does to my Brain and I hate what it has done to my Mind.
I hate "it could be worse. I hate that the people who say they have "cured" their MS are wrong. I hate that I have not cured my own MS. I hate that no one else has cured my MS, our MS… ALL MS!
I hate that the best I can do isn't a fraction of what I was able to do. I hate celebrating the effort the way I used to acknowledge success. I hate having the energy of a person twice my age and I hate all the reasons I'm tired.
I hate the hopeful promises and I hate the stark reality. I hate that best-case-scenario isn't good enough and I hate that worst-case is more than some of us can bear to think about.
I hate having the anger of a generation inside of me.
I hate that so many of us need this site because it's one of the few places that we could even be having this kind of a conversation for fear that someone will think us pitying ourselves. Who are they? They don't live in the shell of our former selves. You want to judge us? Walk a few paces in his leg brace, hobble around with her cane, try to get around with my forearm crutches. You think we're doing it all wrong? You try to load a scooter into the back of a car, You rely on someone for the most intimate parts of your day. YOU DON'T KNOW US…
Anger is not a productive emotion. Hate is not a good emotion to harbor. Bottling stuff like this up can lead to 650 words of vial sputum. I do feel better, however. I invite all of you to breathe deeply and expectorate your hate for MS all over the comments section.
You'll be surprised how much freer your next breath will feel.
By the way, I love our Life With MS Blog community. I want to make sure you all know that.
Wishing you and your family the best of health.
Don't forget that you can also follow me via our Life With MS Facebook page, on Twitter, and our new group on MS Connection.org. Check out our bi-monthly blog for the UK and look for our Very Special new monthly blog for the National MS Society. And don't forget to check out TrevisLGleason.com.
Important: The views and opinions expressed in this article are those of the author and not Everyday Health.


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I'm back in Finland. Yay! My tour page has been updated with all the latest info. Go here to see it all.
This is a land where the doors have no knobs on the outside, where they have brushes beside the entry ways to wipe off your shoes, and where the sun never sets in the summer.
Actually last night it was still bright enough to read outside at midnight. It finally got dark an hour or two later. Then the sun comes back up at like three or something. This is fucking with my circadian rhythms big time. I usually wake up pretty early, but I woke at about nine this morning feeling like I'd been run over by a truck. Which may be because I went to Linnnamaki amusement park yesterday and rode lots of rollercoasters and whirly thingies.
I made it through Germany unscathed. But that was also a whirlwind. Three cities in three days. I managed to see a bit of Berlin by night thanks to my friend Vajra and my wonderful hosts at Dharma Buchladen who took me to see the gate and the old Soviet monuments and stuff. The rest of my German tour was sort of a blur of things seen from the autobahn on which I spent much time fahr'n.
By the way, small towns in Germany have been invaded by alien beings who set up gigantic machines then went back to their home planet. No one knows what these are for or why the aliens put them there. They may be weapons, or surveillance mechanisms of some sort. Perhaps they intend to use them to move the planet into a new orbit. It's unclear. Attempts by the Earth people to destroy them have all failed. Just so you know.
I'm not sure if non-Facebook people can see this link about my upcoming talk in Helsinki or not, or if you can read this link of questions for the talk. But there it all is. Maybe some genius can re-post these in the comments for non-FB people or maybe everyone can read them anyhow.
The theme of the talk is Zen, punk and politics. I've never been too interested in politics. Zero Defex was considered a "political" band. But we weren't really political in terms of taking specific stands on specific issues. "Political" in our scene just meant that you tried to be more involved with general social issues and suchlike rather than merely thrashing out for the fun of it. Even the "fun" bands in our scene would get a little political, like Starvation Army with "Political Song" and The Offbeats with "Who the Fuck Do You Think You Are?" (about Zero Defex, I'm told).
I have no idea how I'll answer the Finnish political questions on these pages. My biggest concern is that I have no idea what the word epistemology means. So I hope they don't ask that question. I once looked it up and even the definition left me confused.
I also feel like Zen should not be politicized. I really hated it in the early 80s when all the televangelists used their position to push the Reagan agenda. These days I see a lot of Buddhist organizations using their positions to push left-wing politics, which I think is a similar abuse. Because I've said this some people imagine I must be a neo-Nazi. Because in certain circles the view seems to be that anyone who doesn't shout the praises of liberalism from the rooftops at every opportunity has to be a neo-Nazi. But I promise you I'm not. I just don't think Buddhism ought to get mixed up in such matters.
Yeah, yeah, yeah, I know the come-back. "What if the fascists come back in power??? What if your neighbors are being rounded up and sent to re-education camps???" I'll worry about that if it actually happens. For now, there's no good reason to mix the two.
It's like vegetarianism. I've been a vegetarian longer than I've been a Buddhist and I'm pretty committed to it. Yet I try very hard not to use my position as a sort-of-but-not-really-very famous Buddhist teacher-thing to push vegetarianism. This came up at one of the talks in Germany, where someone asked if it was necessary to stop eating meat to be a good Buddhist. I told him "no."
Which brings up another thing I did want to mention. Poland, the land of keilbasa and blood sausage and pork in every dish including salads, has its own chain of vegetarian fast food restaurants called Green Way. They're fantastic! Why are there none of these in the US?
In any case, I'm not gonna try to address these political questions here. At least not today. But I'll record the talk and maybe see what I can do with the recording if it comes out any good.


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Everything we provide, share, and offer, is a way for each to choose consciously what each values as important and worth, in supporting and accelerating their own heart-opening experiences here, as well as further activating their own LightBody too. Each one of us does this differently, yet to understand that all is important and serves a much bigger picture/purpose, we start to understand that Energetic Exchange is a way to respect, reciprocate, gift and in-turn support the vastness of what we receive ENERGETICALLY and that all of these things are just tools and ways to activate, therefore it's not about a "thing" anymore.
All are here because they receive something, through the Light Encoded sharings and various ways to activate, elevate and expand by way of opening our Universal/Cosmic heart/ higher mind chambers and Gateways, often in seemingly unorthodox ways. By combining various activation tools and utilizing each for the purposes of stimulating and awakening pure beauty, kindness and a deep sacred connection from deep within, all of these "things" are just something that we each consciously choose to use. The value is not the value of a "thing", yet instead the value of what we decide is our reasonable exchange in order to receive heart-opening Soul activations, which is determined by how we utilize these "things". The value is determine by you, how you value and place worth on your your own Awakening Soul journey, and what tools you feel will most benefit and assist you with this. The value is the value you place upon yourself, your energy and what you choose to utilize to accelerate your own awakening journey and current (LightBody) phases you are in.
The tool itself doesn't matter. Your openness, your making a conscious choice and deciding what's important and how you desire to do this for yourself, as what "things" you feel will most benefit you in opening your heart. Your conscious choice is a very important part of the your own Awakening processes here.
Through our own higher states of love-consciousness, we take the focus off of the thing and we shift it to what we feel will most assist us with our current processes and phases. We shift the value off of the "thing" and onto our energy, our vibration, our LightBody, and what we feel will assist us with opening our hearts to/through more beauty, unity, kindness and love.
Our Entire Value System evolves, as we start to value ourselves and our Light/Energy, we start to value the energy, the work, the contributions of others too.
Here, each is supporting ENERGETICALLY the work, the programs, services, those working in Dedicated Service to create, share and provide the vastness of all that is offered to support, inspire, awaken, assist and consciously evolve.
Each is contributing to a much higher purpose, the Evolution of a much Higher Consciousness HUmanity. Your CONSCIOUS EXCHANGE becomes a part of this. ♥
In essence, what you are investing in, is your own SoulBody/LightBody and you are consciously choosing (free-will) activation tools to work with, in order to further assist you with the acceleration of this. You are exercising a conscious exchange of Love Energy (In form) in order to do this, which will in-turn assist with fulfilling higher purposes and Service to HUmanity roles here.
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You Are Here:: The Silk Route / Natural Silk / Silk/Cotton -
This ivory material is a 57% silk - 43% cotton mix and comes from China. It is a very useful silk with a lovely sheen. It is suitable for most needlework and dyes beautifully. It has the strength of cotton with the beauty of silk.