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Tails Of The City
A menagerie of stories about Bay Area pets and the people who love them.
Posts filtered on Category
Support an "out-of-this-world" bunny fundraiser!
As is sadly the case each spring, many rabbit rescues are once again finding themselves up to their ears in post-Easter surrenders. To help increase education and awareness and find good homes for these cute cottontails, the House Rabbit Society and the Rabbit Haven are holding fundraisers at the Saturn Cafe in Berkeley and Santa […] [Read More]
Weirdest world records for pets
Fastest, smartest, smallest… longest tongue? Fastest balloon popper? Yep. You read right. The new 2011 edition of the Guinness World Records (which hit bookstores yesterday) is chock full of enough bizarre animal records to fill a zoo. Here are a few of my favorites: Most Bottles Recycled by a Dog: It may not be easy […] [Read More]
Hop on over to the Bunny Art Show this Saturday!
The bodacious Bunny Art Show & Adoption event is tomorrow afternoon and is not to be missed! Atomic Bunny, by Christine McCall More than a dozen well-known Bay Area artists and 10 art students have created 45 original portraits of the East Bay Rabbit Rescue's adorable and adoptable bunnies to help raise awareness for rescued […] [Read More]
Big bunny adoption event this Saturday!
A trio of Bay Area rabbit rescue groups, the House Rabbit Society, the Rabbit Haven and Harvest Home Animal Sanctuary, recently teamed up to rescue more than 100 baby bunnies from a hoarder in Pittsburg, California. eastbayrabbit.petfinder.com Just two of the 100+ rescued bunnies up for adoption this weekend. The problem reportedly began about a […] [Read More]
Don't miss these fun (Easter) bunny events this weekend!
Old-Fashioned Easter Celebration! Join SaveABunny and Oakland Animal Services at the historic Dunsmuir House in Oakland (2960 Peralta Oaks Court) for an afternoon of Easter fun, including bunny photo ops, SPCA adoption area, egg-hunt (BYO basket), mansion tours, games and more! Saturday, April 3, 12-3 p.m. Adults: $5. Ages 5-12: $2. Under 5: Free! No […] [Read More]
Calming the aggressive bunny
Does your fluffy little Flopsy growl when you feed her? Does your formerly meek Mopsy attempt to sink his teeth into your thumb when you try to pick him up? Do you put on boxing gloves before cleaning cute Cottontail's litter box? Do your bonded bunnies spar until you signal the end of Round Three […] [Read More]
Breeding like bunnies (Or: Save the rabbits!)
Five rabbits were surrendered to the Marin Humane Society (MHS) last Wednesday after their San Rafael family foreclosed on their home. The young adult bunnies are now available for individual adoption at the Marin Humane Society (171 Bel Marin Keys Blvd., Novato). Call 415-883-4621 for more information. MHS.org These five bunnies need homes: Snowy, Angel, […] [Read More]


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book training
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to a friend!
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Call: 1300 768 368 or
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Training Course ID: (LP)-10004
This program focuses on the application of project management theory and practice to implementing policy. It is most often not understood that policy implementation is actually a specific type of project and will benefit from the application of project management tools and techniques. By using a sound project management methodology, policy is more effectively and successfully implemented to achieve strategic outcomes and benefits realisation.
Living Planit delivers training in the following course categories:
Living Planit deliver Project Management Training Courses, BSB41507 Certificate IV and BSB51407 Diploma in Sydney, Newcastle, Brisbane, Darwin, Australia
AIPM Certification | BSB41507 Certificate IV in Project Management | BSB51407 Diploma of Project Management | Policy Implementation Using Project Management | Portfolio and Program Management for Executives | GAPPS Certification

subset: commoncrawl


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Hanover police said they arrested a 32-year-old man for stabbing his father to death "in hopes he would go to prison."
Police were called to a home on the 100 block of Stock Street around 9:30 p.m. Thursday after a male caller informed 9-1-1 dispatchers he had murdered his father.
Police said they found Scott Schaffer on the porch of the home waiting for police. Police said he had blood on his hands and clothing.
The victim, 62-year-old Steven Schaffer, was found dead inside the home with multiple stab wounds and a "catastrophic injury to his neck."
Police said they interviewed Schaffer and he confessed to the crime saying he wanted to go to prison.
Schaffer is charged with murder of the first and third degree.
An autopsy on Steven Schaffer was set for Friday.
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Computerworld reports that Symantec researchers are warning about a fake antivirus product known as Live PC Care that is offering victims live technical support.
Once users install the bogus program, they are presented with a big yellow "online support" button that will connect the victim with an agent, who will answer questions about the product via instant message. Symantec says the agent is, in fact, a live person. But instead of offering tech support, the "agent" tries to convince the victim to shell out between $30 and $100 for the product.
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Business performance information for strategic and operational decision-making
SOA uses interoperable services grouped around business processes to ease data integration
Data warehousing helps companies make sense of their operational data


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MS09-005: Vulnerabilities in Microsoft Visio could allow remote code execution: February 10, 2009
Article ID: 957634 - View products that this article applies to.
On This Page
Microsoft has released security bulletin MS09-005. To view the complete security bulletin, visit one of the following Microsoft Web sites:
How to obtain help and support for this security updateHelp installing updates: Support for Microsoft Update
Security solutions for IT professionals: TechNet Security Troubleshooting and Support
Help protect your computer that is running Windows from viruses and malware: Virus Solution and Security Center
Local support according to your country: International Support
Known issues and additional information about this security updateFor more information about this security update and for information about any known issues with specific releases of this software, click the following article number to view the article in the Microsoft Knowledge Base:
(http://support.microsoft.com/kb/955654/ )MS09-005: Description of the security update for Visio 2002: February 10, 2009
(http://support.microsoft.com/kb/955655/ )MS09-005: Description of the security update for Visio 2003: February 10, 2009
(http://support.microsoft.com/kb/957831/ )MS09-005: Description of the security update for Visio 2007: February 10, 2009
The English (United States) version of this security update has the file attributes (or later file attributes) that are listed in the following table. The dates and times for these files are listed in Coordinated Universal Time (UTC). When you view the file information, it is converted to local time. To find the difference between UTC and local time, use the Time Zone tab in the Date and Time item in Control Panel.
Visio 2002
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Visio 2003
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Visio 2007
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Article ID: 957634 - Last Review: May 9, 2012 - Revision: 3.0


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|Assistant Coach Anne Lehmkuhl
|Fourth Season in 2013-14
|Hometown: Wes Concord, Minn.
|Alma Mater: University of St. Thomas
|E-mail: email@example.com
1996: Graduated from University of St. Thomas.
2010: Named assitant volleyball coach at St. Olaf.
Lehmkuhl was a captain of the Tommies' volleyball squad as a senior-middle hitter.
She is a native of Wes Concord, Minn., where she was a volleyball, basketball and softball player at Triton High School.
After graduating from St. Thomas, Lehmkuhl spent time in Rochester and Eden Prairie where she was a teacher and volleyball coach and various levels.
Anne and her husband Michael have two children -- Nora and Owen -- and live in Northfield.


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If I wore shiny gold leggings and shirts that showed off my bellybutton (hello '80s!) and you wore moo-moo skirts and Birkenstocks, could we still be friends? Perhaps. But it's kind of unlikely since we (all of us) tend to flock to people who are similar to us ... at least similar in some way. I think that's why when a woman becomes a mother, sometimes she drifts away from her non-breeding friends. Maybe the commonality was having cocktails and staying out until 5 in the morning. And I think that's why moms (particularly new moms) with a natural parenting slant often don't mix it up with the moms who have different philosophies. And vice versa.
I am not saying one is right and the other is wrong. But I am saying what is right for one may not be right for another. And I am also saying I find it really hard to make mom friends.
If you are a new mom who does sleep training and cry it out methods and you want to be friends with new moms, would you feel okay being friends with a mom who co-sleeps and never lets her child CIO? I have no problem being friends with a woman who thinks differently than I do when it comes to how we parent -- I'm against crying it out in my house, but a friend of mine does practice the Ferber method.
But I still find it hard to make ANY mom friends -- with my same vision of parenting or not. So when I saw a posting on my local parent listserv from a 30-something new mom who was looking for some mom friends, I replied. Her post caught my eye because she seemed real and down-to-earth, and our kids were just about the same age. In her post she said she isn't the "yuppie" type. Perfect! Me neither (whatever that means)! She also mentioned that she and her family weren't "organic people" ... hmmm okay. I guess I am, but whatever. That shouldn't be a reason not to be friends with someone. I'm certainly not militant about it when it comes to what others do.
So I emailed her back privately and gave her my details. I made a little joke about the "organic" thing telling her I guess I was organic but that shouldn't stop us from hanging out. Wanted to get that out there in case we were ever shopping together and I made a beeline to the organic section. She wrote back saying she was about to leave for the weekend but will write back when she gets back. It seemed promising and exciting. It's been almost two months and I've heard nothing but crickets.
Just the other day she posted an article link about how hard it is to make mom friends so that kind of tells me she (cue the sad trombone) doesn't want to be my friend. Like a rejected schoolgirl, I'm sad I didn't even get a chance. It's almost like the time I called Shawn to ask him to the 8th grade dance. (Silly Sadie Hawkins made me do it.) He said yes and chatted with me for about 20 minutes before he realized he was talking to me, the Michele with one L and not the one with two Ls.
I hung up.
He called me back and went with me anyway. Awwww. And we actually were boyfriend and girlfriend for a little while, too. Oh my nostalgic got me off-track, but you know what I mean? Thinking someone is different than they actually are -- you never know until you actually try to hang out. It could work out famously until his best friend starts to look really cute to you and you decide you want to date him for three days. (I think that's what happened. My memory is shot.) But it's not like I would drop a friend like that -- I've matured a lot since then, I swear.
Granted it can be hard to juggle playdates and meet-ups when your kids have different nap and eating schedules. But when a mom was reaching out for friendship and I willingly reached back, I thought we had at least a chance. I wonder what went wrong. Was it my organic joke? She did write back after that saying she worried how she came off. I assured her it was fine! And let's hang out soon!
We can have differences and still get along. Friends don't have to be segregated by parenting beliefs. At least that's what I think. For the most part.
Are you mostly friends with parents who have same parent philosophy? Do you find it hard to make friends? Why didn't that lady want to be my friend?!?
Image via Hello Turkey Toe/Flickr
I have two best friends from high school who I'm still friends with today. We're all in various stages of the parenting thing. I came first, with my 2.5 year old daughter. My second friend just had her first baby this past August, and the third is now pregnant and due in March. And it's HARD to maintain even those established relationships sometimes, because I parent very differently than either of them are going to. I prefer not to have my child in daycare, I'm very much in favor letting them progress at their own pace, I'm not super strict about the little things (pick your battles, you know?), and I have no intention of piercing any of my child's ears until they are old enough to want them and take care of them. And both my friends are the polar opposite of that. And I feel it already eroding our friendships. Mothers just take every SO personally!
I haven't made mom friends with many moms who share my parenting philosophy and that is hard because sometimes I want to talk about an issue I am having or whatever but I can't because the premise of the issue might be something that they do/don't do with their kid so they might think you're insulting them. It's lonely. Also it gets harder as the kids get older because of drop-off play dates -- when you disagree with the foods/activities/form of discipline that another mom approves of, it's tough to let your kid go there. Basically I guess the moms I've met are more the moms of my daughter's friends -- i hang w/ them so she has playmates, but I don't feel like I've really connected with anyone. And to answer your last question, that lady is a dumb-dumb.
<3 You muchly! It is EASIER to be friends with people who fit into a similar mold that you do. After all, you'll def. have something in common. It's easier to get or give the support you need to or from someone who is doing the exact same thing that you do. It's easy to turn to a friend who co-sleeps to, to whine about the little feet in your face, the elbow in your ribs, and get commiseration (which is what you really want) vs the response a non-co-sleeper might give you. Like 'Ugh. That's why I don't DO that.' or 'Why don't you just have them sleep in their OWN beds if it bothers you so much.' Or, the argument the other way around. So, I think it's normal to cling to people who are 'like' you. However, when we stay ONLY in our comfort zone, I really feel like we lose out on some beautiful relationships that we could have. I have other friends who are parents who are vastly different then I- and I love them all the same.
I did have a hard time making 'mom friends' when my first was a baby. I simply didn't know anyone else having babies at that time (I had my first in my early 20s and none of my existing friends were having babies then.) I spent a lot of time trying to join playgroups, chat up moms at organized activities, etc. without ever making a real frienship with anyone. Then, when my second was born I met up with someone who I used to know from high school, and we made a connection. As our kids got older, we had less time to spend (we were also geographically not that close) but fortunately when my second child was in swim class I began chatting with the other moms on a weekly basis... we exchanged phone numbers and four years later are still really good friends. We don't necessarily have the same parenting styles, but it hasn't hindered our friendship. I found that these issues only came up when I was really 'hunting a friend' in a purposeful method. If it was a friendship that grew organically, these things weren't big issues because there was already something there that was more important than ticking off similarites on a mental checklist.
I have friends from high school who are still my friends today. When it comes to parenting, yes, we ABSOLUTELY do things differently! But that is ok. Generally when we hang out we arent trying to talk about CIO or whatever, we are just trying to hang out. I try to just keep the controversy out of the convo!
CIO is a deal breaker for me. It's neglect and people who do that to their children have no place in my life.
I follow babywise, it is not neglect. I love my three children very much. That is why it is hard to make friends, everyone is quick to judge. You need to know people's hearts, before you judge.


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Further to the recent GDBTV and Philips announcement, I am pleased to confirm, Jim Deans, managing director of Global Digital Broadcast, will be attending Venus in Berlin on Friday 16th and Saturday 17th October 2009.
To recap, the deal for GDBTVs EPG to be included on Philips Net TV integrated IPTV service, with expected sales of 50 million television sets in Europe alone, also includes GDBTVs GoXXXTV adult offerings, with dual Pin protection for age verification as standard security. Launching this month, as an included service, GoXXXTV is also set to get its own dedicated adult platform on the service as from January 2010.
Channels include: Private; Harmony Films (UK); Seymore Butts (USA); Vivid (International); DBA Supercore XXX (DE); Sweet Pictures (NL); Belais Production APS (DK); TV Polari XXX; the PornXXX channel (UK); and Wrist Action (UK).
If you would like to pre-book an appointment for Venus, or you are not attending and would like to arrange a meeting to take place upon Jims return, please do not hesitate to contact me directly and I will be happy to arrange it for you.
For further information or to request a full copy of the previous release, please also dont hesitate to contact me directly.
The GoXXXTV (http://goXXXTV.com) channel line up is a restricted offering and has dual Pin protection for age verification as standard security.
Please visit http://www.gdbtv.com for further information about GDBTV and its technology.
Many thanks and I look forward to hearing from you.
Kind Regards,
Charly Cogger
Client liaison coordinator
Global Digital Broadcast
2nd Floor Ridgeland House
165 Dyke Road
United Kingdom
Mobile: +44 (0)7807 055260
Nikki Phoenix Album Released
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Nina Elle Retains Star Factory
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Tribute to Christian Mann
This week on RNSU
TTS Welcomes Bobi & Jen
Sheila Marie on Reality TV
Testing the Waters
Cutting Edge Changes Staff
Tweets = Cash with PornPitch
Proud Parents ~ Reviewer Rated
RNSU July 17
Next Day Test in LV
Condomless Sex
The Goddess Lives
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Nikki Phoenix Hosts Palomino
RNSU Thurs July 10
Nikki Delano at Crazy Horse
Resurgence of the Goddess
Pornstar Graduates Law School
July 3 Rock-N-SeXXXy-Uncencored
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The Temptation of Eve ~ Reviewer Rated
Cumisha Amado on Vivid Radio
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Nikki Delano on Jukeboxx
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Teal Conrad at Sapphire NYC
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Cherie Deville Returns
Alana Evans at WonderCon
Risque Starr Sisters Parties
Natasha Voya PSK
The Sexual Liberation of Anna Lee ~ Reviewer Rated
Carter Cruise at Exxxotica
Belle Knox at Exxxotica
Rock'N'SeXXXy & Hustler
Puma Swede Opens Desire
Nikki Phoenix XRCO Nom
Maddy O'Reilly is Slutwoman
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Tony Batman Conquers LA
Alexa Aimes NYC Tour
2014 AVN News Rack Part 2
Roxanne Rae Available
Minka Karaoke XXX
Rio Lee Heads Cherry Pimps
Immoral Mayhem
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Cherie Deville Available
Tony Batman Crazy Appearances
Inside The Industry 03/19/2014
Chanel Preston Interview
Alicia Silver Productions Content
Adrianna Luna Dance Dates
Entertainment is Entertainment is Entertainment
Maryjean Available in LA
Thomas Bagley Outed Belle Knox
Casting Call for 'Operation: Outdoors'
Mission Control Open House
Cherie Deville in LA
PASS Holiday Schedule
Santa Susana Pass Location
Sure Fuck Clothing Line
Nadia Night With Lucky Devil
Richelle Ryan Available
LATATA Responds to FSC
FSC Burdens Performers
Online Dating Summit Curacao
Tanya Tate Action Figure
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Sportsheets ILS Blitz
Fantasy Lingerie Storerotica Noms
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Jack Hammer Coming Back
Jodie Stacks Available
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XBIZ Executive Awards
June SCCC Mixer
Von James Hires Rub
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Topco StorErotica Nom
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Baci Announces New Distributor
Sliquid Fifty Shades Collection
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Obamacare Expert Randy Limbeck
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Crystal Delights Creates Trophies
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Business News Section Index


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Rio de Janeiro RECOMMENDATIONS See all
Rio de Janeiro Carnival
By Viator, November 2013
The carnival has come a long way since it started in the 1830s. Today it is reflective of the Brazilian culture, complete with elaborate costumes, gala balls and colorful floats. Of course, no Brazilian party can be devoid of Samba, so not surprisingly, the carnival mega event is the Samba School Parade at the Sambadromo with over 60,000 participants and 14 top samba schools. As you can imagine, prices soar during the carnival period and it is advisable to book your air tickets and hotel room much in advance to avoid paying exorbitant season rates. Also carnival tickets tend to sell out closer to event dates and should ideally be booked before hand as well. When the time comes, put on your dancing shoes and don't forget to pack your samba costume!
Tours & Tickets
5-Night Rio de Janeiro Carnival Package
Experience the thrill of Rio de Janeiro's Carnival with a week of festivities that will make your head – and feet – spin! Take to the streets and the ... Read more
Rio de Janeiro, Brazil
Duration: 6 days (approx.)


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Do you want to be part of a long term, consistent, and competitive Madden 15 PS3 league where most importantly you don't need to worry about member activity or quality? Join us and enjoy Madden 25
The AALoA, a community of sports video games running different online leagues. #PS4, #PS3, #PSVita, #PS4Share. Follow us on twitter, @_AALoA and on facebook.
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Do you want to be part of a long term, consistent, and competitive league where most importantly you don't need to worry about member activity or quality? Join us and make your time playing Madden 15 great.
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Rutter et al v. Mortgage Electronic Registration Systems, Inc. et al - Document 30
Court Description:
ORDER OF DISMISSAL.(Written Opinion) Signed by Judge Paul A. Magnuson on May 12, 2009. (smr)
IN THE UNITED STATES DISTRICT COURT FOR THE DISTRICT OF MINNESOTA JOSEPH D. RUTTER and SUONG RUTTER, Plaintiffs, v. MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC.; GREAT NORTHERN FINANCIAL GROUP, INC.; AMRES MORTGAGE, INC. f/k/a PROVINET MORTGAGE CORPORATION, OCWEN LOAN SERVICING, LLC; HSBC BANK U.S.A., AS TRUSTEE ON BEHALF OF ACE SECURITIES CORP. HOME EQUITY LOAN TRUST, SERIES 2006ASAP2, ASSET BACKED PASSTHROUGH CERTIFICATES, and ACE SECURITIES CORP. HOME EQUITY LOAN TRUST Defendants. Case No. 08 CV 06435-PAM/JSM ORDER OF DISMISSAL Based on the stipulation filed with this Court, the above-captioned matter is hereby dismissed with prejudice as to the Defendants Amres Mortgage, Inc. f/k/a Provinet Mortgage Corporation and the above-captioned matter is dismissed without prejudice as to Great Northern Financial Group, Inc. and Ace Securities Corp. Home Equity Loan Trust. Dated: May 12 , 2009 s/Paul A. Magnuson Paul A Magnuson Judge of U.S. District Court


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Arctic Monkeys - R U Mine? (live at the BRIT Awards 2014)
Katy B returns the favor
OFFICIAL VIDEO: Arctic Monkeys - Why'd You Only Call Me When You're High?
Arctic Monkeys at Super Bock Super Rock Festival, 2013, Portugal
@shmarielle Disco ball.
Arctic Monkeys playing Mad Sounds
Arctic Monkeys - Mardy Bum live Glastonbury
One for the heart strings
33 min. of pro-shot video from Arctic Monkeys' set tonight at Best Kept Secret festival in The Netherlands, featuring:
Do I Wanna Know? 0:00
Brianstorm 04:25
Dancin Shoes 07:25
Teddy Picker 10:00
Crying Lightning 12:35
Dancefloor 16:15
Mad Sounds 19:19
Fluorescent Adolescent 22:30
Cornerstone 25:55
Sun Goes Down 29:15
WATCH: Arctic Monkeys performing 'When The Sun Goes Down' at the Sunshine Theatre in Albuquerque, NM - 29 May 2013 (thanks MrSecretDoor)
In case you missed it — the song made a comeback in the NM setlist replacing 'She's Thunderstorms'.
WATCH: Arctic Monkeys' first show of the 5th era, live at the Majestic Ventura Theatre in California (22 May 2013) — FULL
Watch the live debut of Do I Wanna Know?, the return of the classic Fake Tales of San Francisco and the crowd favorite, Old Yellow Bricks.
Thank you, ArcticMonkeysNL
Arctic Monkeys - Old Yellow Bricks - Live at Ventura Theater - 5/22/13 (by piratepenguin42)
'twas a night when the good ol' tunes returned
Nick and Jamie visit Norman's Rare Guitars in LA and buys a vintage Fender Precision Bass


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SPOKANE -- The Whitworth University football team announced its 2012 football schedule on Tuesday.
The Pirates added the College of St. Scholastica, a 2011 NCAA Division III playoff participant, to the slate which gives Whitworth ten games this fall.
The Bucs open the schedule with three consecutive road trips. Following the season opener at St. Scholastica in Duluth, Minnesota on September 1st, the team will head to California on back to back weekends for games against Whittier and La Verne. Whitworth's home opener is on September 22nd against Chapman.
The Pirates open their Northwest Conference schedule on September 29th at Pacific (Ore.). The 2012 Homecoming and Hall of Fame festivities will be part of the October 6th contest against Willamette.
The Pirates four home games in 2012 are: Chapman (Sept. 22), Willamette (Oct. 6), Puget Sound (Oct. 20) and Lewis & Clark (Nov. 10). The only bye on Whitworth's schedule comes on October 27th.
Both St. Scholastica and Whitter will be first-time opponents for the Pirates.


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member Sue Facklam will retain her appointed position as the district's representative on the Special Education District of Lake County's governing board.
A vote on Facklam's SEDOL position was taken at the Feb. 1 D46 meeting at the request of board member Kip Evans, who feels she does not represent him.
Evans had asked the board to remove Facklam from any appointments and committees in which she represents D46.
The request stemmed from the fact that Facklam was censured by the board last November after a Lake County State's Attorney's Office investigation concluded she had violated the state's election code by giving high school students free gift cards in exchange for registering to vote for her in the April 2011 school board elections.
Though Facklam's actions constituted a Class 4 felony, the state's attorney's office declined to prosecute.
While the school board did not have the authority to remove Facklam as board secretary or prevent her from serving as an elected, at-large member of an Illinois State Board of Education (ISBE) committee, it did take a vote on her appointed SEDOL position.
"We need new blood," said Evans. "I recommend Sue step down or we take a vote."
When Evans questioned whether Facklam was elected to represent D46 on the SEDOL governing board, she responded that she had been appointed several years ago.
"We have a problem here," said Evans. "I would like the (board) president or vice president to take over (the position). I feel like this board needs to take some action."
In support of Facklam, board president Ray Millington said, "I think Sue has done a commendable job on the SEDOL board. I don't see any reason why she shouldn't continue in that role."
Facklam said it was tradition for the board president to make all committee appointments, though board member Shannon Smigielski said she felt such decisions should be made by vote.
Ultimately, the board voted 4 to 3 to allow Facklam to retain her SEDOL appointment.
Board members Ray Millington, Keith Surroz and Karen Weinert, who attended an earlier closed session meeting and then had to leave for a work commitment, all voted in favor of Facklam keeping her position. Weinert voted via phone. Facklam also voted in her own favor.
Evans, Smigielski and Michael Carbone cast the dissenting votes.
Millington agreed, though, that the board needs to review its policy on whether such positions should be elected or appointed.
CORRECTION: To correct the original article, Karen Weinert attended the earlier closed session of the meeting, and then had to leave the meeting due to a work commitment. She later cast her vote in Facklam's favor via phone conferencing. Patch regrets the error.


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How to Prepare for a Baby (Without Going Broke)
Published on - February 13th, 2008 (by J.D. Roth)
This is a guest post from Lynnae of beingfrugal.net, a blog about frugal living and getting out of debt.
Preparing for a baby doesn't have to cost a lot of money. Magazines and TV ads will tell you that you need to spend a fortune in preparation for your little darling's arrival, but it's simply not true. When my husband and I were expecting our first child, my husband was working at a small radio station and had a pretty small salary. I was a teaching assistant at our local special education preschool, and my paycheck was also pretty small. Here are some of the things I've learned about preparing for a baby when you don't have a lot of money.
Borrow things. Women love to share maternity and baby items. Don't buy a lot of things before you publicly announce that you're expecting, because once you make the big announcement, you're sure to get offers of gently used maternity clothes, baby clothes, and baby equipment….as well as lots of baby advice. I think it's a rite of passage for women to pass down their maternity clothes to other pregnant women. Take advantage of it.
Buy used. There are many stores that consign strictly baby and children's items. Consignment stores are great for stocking up on baby clothes and baby equipment. Since the owners are usually very strict about what they will accept for sale, the items you'll find in a consignment store are generally in excellent condition.
Garage sales are another great place to pick up baby clothes. You can often find infant clothes in great condition for as little as $1 a piece.
Wait for the gifts. Don't go out and spend a lot of money on the baby as soon as you find out you're pregnant. More than likely, you'll have at least one baby shower, where you'll receive tons of baby clothes and all the little items you'll need, like baby nail clippers, towels, a baby bathtub, and much, much more.
It's also a well known fact that women love shopping for babies. So after your baby is born, you will probably receive even more gifts of baby clothes. So don't feel like you need to buy a whole wardrobe for baby right away. I recommend stocking up on some comfortable baby pajamas for the weeks following your baby's birth. When your baby is a month or so old, take stock of what you still need and shop from there.
You don't need everything. When you visit the baby section in a department store, you might think you need to spend thousands of dollars to buy your baby every last bit of equipment. You don't. You will need a place for the baby to sleep, a car-seat, some clothes, blankets for swaddling, diapers, and alcohol swabs to care for your baby's belly button.
Nice additions are a bouncy seat or swing, a sling, a stroller, a diaper bag, some soft baby towels and washcloths, some bibs for dealing with drooling, and burp cloths for dealing with spitting up. A changing table, bottle warmer, wipe warmer, and lots of toys really aren't necessary at all. Neither is an impeccably decorated nursery. Your baby will quickly outgrow typical nursery decor.
Consider Breastfeeding. This is definitely the least expensive and most convenient way to feed a baby. I was bottle fed as a baby, and my mom bottle fed all of my younger brothers, so I always figured that's what I'd do too…until I saw the price of formula. After nursing my babies, there's no way I'd bottle feed a baby. I'm not morally against it or anything, but breastfeeding is terribly convenient. And again…it's free.
Think about cloth diapering. Cloth diapering is coming back en vogue, and it isn't what it used to be. Now you can buy all-in-one diapers that are a diaper and cover in one easy-to-change package. Today's cloth diapers use snaps or velcro in place of pins, so there's no need to worry about poking baby with a pin. The prints are really cute, too. I used cloth diapers on my second child for a while, and it really wasn't much extra work. It's better for the environment, too. Though the initial expense of cloth diapers is greater than disposables, you'll recoup the cost over time.
If you're considering cloth diapering, The Diaper Pin is a great place to read diaper reviews and find places to buy cloth diapers. As with anything, don't go overboard buying diapers at first. Different diapers work well for different babies, and you don't want to be stuck with a huge stash of diapers that don't work.
Use a midwife. These days you aren't limited to having an obstetrician deliver your baby. Seeing a midwife often means a lower bill for your pregnancy and delivery. Most midwives are very sensitive to helping parents achieve the kind of birth experience that they want to have, rather than having a delivery full of medical interventions. If this appeals to you, a midwife might be a good option. Just make sure that your midwife is affiliated with an obstetrician for backup, in case something comes up that needs a physician's attention.
Skip the circumcision. If you aren't going to circumcise for religious reasons, consider skipping it all together. The AAP now considers circumcision an elective procedure, so many insurance companies aren't covering it anymore.
Prepare in advance for maternity leave. As soon as you find out you're expecting a baby, start saving money for maternity leave. Practice living on one income well in advance of the time your baby is born. This is also good advice if you're not going to be returning to work at all. You're more likely to succeed as a one income family if you have practice living on one income before you actually lose your income. It's hard to learn how to live frugally when you're not getting enough sleep.
Though it's hard to be completely prepared when you're expecting a baby, these are some good ways to minimize the financial impact of your baby's birth. Do you have other suggestions? I'd love to hear your comments!
Wow, lots of comments!
As far as circumcision and breastfeeding go, I absolutely think that parents should do the research and make the best decision for their family. But if you're ambivalent about it, foregoing the circumcision will definitely save money.
Personally, we decided to do the circumcision on our son, but I know it's becoming more and more common not to circumcise.
And about waiting until you get out of debt, be careful that you don't wait too long. It turned out that we had fertility problems, and if I had waited another 10 years to try to get pregnant, it probably wouldn't have happened, so I'm very glad we didn't wait.
Thanks for all your comments and great suggestions! There's lots of stuff to think about here!
Don't forget to research childcare no later than your 3rd trimester. Even if you plan to stay home, you'll want someone who can keep the baby for a couple of hours now and then so you can go on a date, visit the doctor's office in peace, or even go to the grocery store and not have to rush out because the baby gets hungry half-way through.
If planning to go back to work, remember that the best child care providers often have waiting lists, and you'll want to be on one of them before you go into labor.
We use full-time childcare because we both work, and that's been the single biggest cost of becoming parents. It's also the one place we refuse to cut corners – we pay good money for the great care my son receives, and that's more than fair.
I nursed and pumped at work for a year, and we only had to add a little supplemental formula after 8 months or so. Our day care was great about using frozen breast milk, and my pump more than earned its keep.
Baby #2 is coming along in July and we're cranking back on expenses and paying off whatever we can to make sure the budget will handle 2 children in day care.
thanks for the tips!
My wife and I are planning to start having kids this year. These tid-bits have been helpful.
i keep hearing that there is never a "right" time to have a baby. but there are definitely wrong times to have a baby.
we are currently between the classical rock and hard place: wait too much longer and i may have another tumor, rendering me unable to tolerate the hormonal challenges of pregnancy. but both of us are in school and barely make the bills for the two of us, so it's not really an option to expand our family now.
don't forget that adoption is a viable alternative to those who may wait too long.
Another thing to consider is that a lot of the costs of having a baby are one-time costs, but can be used over and over. We are expecting #2 in June but won't need a crib, stroller, car seat, and a bunch of other things because we still have them from our son. We'll have to spend some to move our son into a bed, but even that will be minimal compared to what we spend when he was born.
Nice post Lynnae. My wife and I did cloth diapers with our first child and started to do it again with our 2nd but it was just to much work for us so we scraped the idea. But it did save money, no doubt about that. By the way, cloth diapers are great in the garage for washing the car, cleaning stuff, etc!
Most people don't circumcize their boys anymore, at least not here in Canada. I believe the rate here has fallen from about 50% in the 70s to less than 5% today. In fact, most of the men I know were not circumcized and they're in their 30s.
Breastfeeding is definitely cheaper, more convenient and safer for most families. Some people, for a variety of reasons, are unable to do so and should not be made to feel bad about it. However, the vast majority of people can breastfeed if they have enough help and information.
Cloth diapers are great. We are doing this for the second time through. Considering that more and more research is showing that disposables contain phthalates, it seems like we made a good decision.
A word of caution about buying used furniture and car seats. Car seats have dates on them and are only good for 5 years (except for Britax). If you're planning on spacing your kids 2-3 years apart, you're going to need to buy another car seat. So you might as well buy a new one the first time.
Also, if you're buying a new crib for $400, you'll be able to sell it later for half that. But, if you buy a used crib for $200, you may not be able to sell it later. I believe general guidelines now say that cribs are only good for around 4 years or so. After that, consignment shops and Craigslist buyers won't buy them. Same goes for strollers.
Of course, if you simply don't have the money to buy new the first time, you can go with used. However, if you have a little extra cash, you should probably buy new.
(This said by a very frugal mom.)
I know so many people who spend money on anything and everything new and improved for their children. Many things they buy are just worthless, or the same results could be had by cheaper, dare I even say used things!! They will be going into debt soon, if they aren't already!!
When working with babies, I've witnessed a few circumcisions…and the babies always seem really miserable. Plus I've talked with the doctors and nurses and many of them think that it's unnecessary and not really useful either.
Those are lots of good tips, too.
We are so doing the cloth diapers when it is time. As for circumcisions, I don't think it's all the bad, otherwise everyone who had one might remember it!
Diapers and food, especially if it is your first baby….once you clear 20 weeks, start buying diapers, baby food (and formula if not breast feeding)….look for the sales and stock up hard. We found diapers on sale numerous times and actually bought our first "post birth" diapers when our son was THREE Food, we also found numerous sales….people would look at us as if we were nuts because here we would come with a shopping cart FULL of baby food….it was normally .77 cents a jar and we found it on sale twice for .28 cents per jar…..we never bought baby food again.
Also, when you have your baby showers, ask for diapers, baby food, formula, you name it…..besides, you are most likely going to be taking a TON of items back to the store anyway, why not have a practical shower instead?
Good Luck if you are expecting!
[...] Check out the original article at How to Prepare for a Baby (Without Going Broke) @ Get Rich Slowly. [...]
Great to read your inspired post,
Its true , sharing & giving from friends saves ,
All the best,
Tracy Ho
While there are certainly some reasons that certain individuals can't or oughtn't breastfeed their babies, that should not lead away from the fact that it is a practice which should be considered! The W.H.O. now recommends breastfeeding for babies until the age of two, and it is recommended as "the preferred feeding for all infants" by the American Academy of Pediatrics.
In addition, if your insurance covers it, our family has had excellent experiences with a nurse midwife, and we also recommend a doula to help with the birth experience. Both of these professionals were amazing for us!
We used cloth diapers for our son, being determined to go "green" before that word was popular (we were "earth mothers" in those days). Well, the result was a ferocious case of diaper rash!!!
Ouch! Poor little baby. No amount of diaper rash cream helped.
Add to that the urine and poop all over everything (plastic panties aggravate diaper rash) and the discoveries that
a) paper diapers biodegrade and don't take up that much room in landfills;
b) the energy costs of heating & consuming large quantities of wash water to wash cloth diapers several times a week and of making and marketing detergent, Clorox, and diaper rash creams equal or exceed the environmental costs of paper diapers; and
c) if you use a service, the consumption of gasoline for pick-up and delivery and for employees to drive to a plant to work plus the use of environmentally unfriendly commercial wash products will up those environmental costs significantly.
The diaper rash cleared up as soon as we switched to disposable diapers.
BTW, there's nothing cruel or abusive about saying "no" to every little whim. To the contrary, it may be abusive to shower kids with everything they want.
The adult children I know today who suffer the worst psychological and behavioral problems grew up with affluent parents who couldn't bring themselves to say "no" and still can't. One woman persists in paying auto insurance and buying cars for a 25-year-old daughter who drinks and drives — even after the kid got a DWI. Poor baby can't get to work if Mom doesn't pay for her car, and heaven forfend she should take the bus and learn the real cost of irresponsibility.
Some children never recover from a lifetime of unthinking indulgence by their parents.
Good information. I used many of these ideas 18 months ago when we had our first baby. We were able to purchase nearly everything we needed used.
May I just suggest, go easy on the "borrowing." Borrowing means that you intend to give something back, and it should probably be in the same condition as when you received it. Things like cribs, blankets, bottles, car seats would probably work well to be "borrowed," because they hardly wear out. Also, just because you know someone that has baby stuff they're not currently using doesn't mean your entitled to barrow it.
For example, I have a nice battery powered baby swing in storage. I intend to use it for future children. I'm not sure how long battery powered swings last, but since it is mechanical certainly not forever. I have a friend who will shortly be delivering multiple babies, she just expects that she'll be offered to barrow our swing. I just hope after she returns it to us there will still be enough life left for our future child/children, and am disappointed that she just expects we will loan it to her.
The situation goes much deeper than this, but just a warning to be careful with "borrowing." I'd say ideally it would be better if you were "given" stuff from someone who no longer needed it.
My husband and I practice the attached parenting style which also decreases our necessary expenses. By co-sleeping we avoid the cost of cribs or bassinets all together. By baby wearing we don't need swings, bouncy chairs or other safe confinement devices. We do have a pack-n-play for times when its inconvenient/illogical to hold the baby (like while cooking).
@ ak, I'd like to see your sources because I've been researching circumcision and have yet to find any conclusive benefits. FYI, most other countries don't circumcise and don't have higher rates of infections, STDS, or damaging effects.
Please make sure you research any decision you make (cloth diapering, breastfeeding, circumcision) and make it YOUR choice.
Yes, review your insurance coverages because now, you might have more to cover.
Also, you may want to consider having a lawyer set up a simple trust for your child if both of you should die or become incapacitated. Without a trust, it is rare that the new guardian could be challenged successfully regarding the prudence of their spending. A trust would legally obligate the trustee to spend the funds with prudence for the benefit of your child. (ie. that money's for college, not a BMW 7 series).
I think the biggest one on the list is preparing for maternity leave – its a year of pretty much one income. This is something that can be virtually catastrophic for someone seriously in debt. I know its the one that I'll be thinking about most when my wife is pregnant.
Freecycle and Craig's List are my friend! I was able to get a new crib for free (well, kinda new, they "used" it for 2 kids who slept in mom & dad's bed 99% of the time).
I also find shopping off season and clearance racks helps save a ton, and online too! I got a swing I have been wanting for $60 off retail by watching it on Amazon.com.
I also have a friend who is moving and I offered to take any baby stuff she does not want to move off her hands.
I wish I had not purchased so much, I know she will never use them all, but hey, she will be my only girl after 3 boys…
We cloth diaper and use a dresser top with a pad as a "changing table" and I use a car seat that will work from birth to 50 lbs. I splurged on an Amby bed, but I got it used on eBay for 2/3rds the cost. And I *WILL* re-sell everything back on eBay or to consignment stores to fund the next size up.
The trust may be a good idea, but really, the odds that not one of you but -both- should be incapitated or dead (with the kid still alive, if you all die in a plane-crash the trust isn't needed) is so vanishingly small that there are literally thousands of other risks more worth worrying about.
[...] JD at Get Rich Slowly gives you ideas for how to prepare for a baby without going broke. [...]
[...] Rich Slowly – How to Prepare for a Baby (Without Going Broke). This was a guest pos, by Lynnae from Being Frugal. My wife and I are considering having children, [...]
[...] How to Prepare for a Baby (Without Going Broke) ? Get Rich Slowly (tags: baby parenting money howto) [...]
ALL TRUE! I did MOST of it when preparing for my son (he is two and half now)! My sister is getting ready to have a baby now and I tried to tell her not to buy anything, wait for the baby showers…she didn't listen and it has been difficult for everyone to buy her gifts for her shower. All scared she bought it already! I know she needs things…so it is a shame she didn't let anyone help!
Please reconsider use of a midwife – or any non-hospital delivery plans.
The hospital and its experts are there in case of problems.
In the case of son #3 – his umbilical cord was wrapped 3 times around his torso, and he would have strangled himself without an emergency C-section.
Stuff like that happens.
This is a one-time expense, which is at least partially covered by most insurance plans – and can literally make the difference between joyous life and tragic death.
@Ben-David several midwives deliver in hospitals or free standing birthing centers. One of the requirements of several home-birth midwives are that you must be within 50 miles of a hospital. I'm sure your wife's labor was not progressing (which a midwife would be able to identify just as easily as a doctor) which led to the decision to have an emergency c-section. A woman can always be transferred to a hospital if her labor becomes complicated, however, you can't just leave a hospital and have a baby at home if your labor is going well.
I've only seen co-sleeping and babywearing mentioned once here, but we did these with all three of our kids. MUCH happier babies=better rested, healthier family. Plus, with the wrap we used, we didn't need most of the other baby equipment. We bought a Exersaucer for $10 at a yard sale so we had something to put the baby in while we were doing something like cooking. We only used it for a couple of months. And because we didn't have all that baby gear, we had more room in our house.
Another thing that hasn't been mentioned at all is early potty training. We didn't find out about this until our youngest, but it saved us tons of money on diapers! Besides which getting her out of diapers very early meant we were no longer exposing our family to e-coli and other fecal germs. The book Early Start Potty Training by Dr. Linda Sonna is available many places. Our daughter was using the potty much of the time by the time she was 9 months old, and almost all of the time by 15 months. One small bag of diapers would usually last us a 4-5 weeks.
We also made our own baby food with the last one, and used a midwife for a home birth. If you live within 20 minute of a hospital, you're in the same position that you would be having the baby in a hospital, since that's the amount of time it takes to prep a C-section room. Just make sure your midwife is certified. Good ones will not take mothers that should give birth in a hospital.
Finally, reading to your baby inutero, and then exposing them to bright, simple books from birth, with save you all kinds of money in the long run. Illiteracy bears a high cost.
We've got 3, twin girls and a son.
One thing that strikes me is that though there is much sound advice, there is also much that is nonsense, or which neglects stuff that may -GASP- be more important than money.
There are many reasons you may want to give birth at home. Saving what is, in the greater scheme of things, a minute amount of cash is NOT one of them.
Similarily, deciding to let your son undergo surgery or not, based on a few hours salary is downright crazy. There are many reasons both ways, I'd never even consider it, but spending the needed cash is not a reason.
Indeed — isn't that why you're saving in the first place ? For being able to spend it on important stuff ? If giving birth to your child doesn't qualify as "important" I don't know what will.
Also, don't forget to optimise for TIME, young parents tend to have even less of that than of CASH. You may, or may not, save money on using cloth-diapers and washing, it depends on energy and water prices and many other things. What is however certain is that it'll cost you a LOT of time.
Having -TIME- for your children should also, in my not particularily humble opinion, qualify as IMPORTANT.
Our twin girls for example, in their 6 first months each needed to be changed aproximately all 4 hours (your mileage may vary, in general you need to change MORE with cloth-diapers), this works out to 8 a day, 55 a week, which where we live is 1 packet of diapers, cost of which is equivalent of 20 minutes of work.
How much time does it take to rinse, wash, dry, fold, put away 56 cloth-diapers ? I don't know. Seems a fair bet it's more than 20 minutes. So if money was the main priority, I'd be better off working 20 minutes more and going with disposables. Unless rinsing and washing cloth-diapers is more pleasant than your day-job, in which case I humbly suggest you should consider a change of careers.
I realize couples with only 1 child aren't as pressed for time as we are with 3, including the baby twins, but on the other hand, if it's your first (and it will be if you've got only one) then you need more time for some stuff because you ain't yet got the routine.
I think with us a lot of the choices we made were for other reasons–health, happiness, optimal development, relationships, space constraints (with no baby gear). The fact that the short and longterm net effect was a savings in money was really at the end of the list. We skipped artificial milk and fed our babies the normal way for a variety of reasons, including worries about the slight lowering of IQ and greater risk of illness that comes with artificial feeding. We decided to eat organic and then just blend up the food for our older babies because of not wanting so many little glass jars around, and realizing they were only going to eat a dab anyhow. We wore our babies and shared sleep for a happier baby, less stress, etc. It was a happy accident that it all saved money then, and now (healthier family)!
Another option to consider as far as diapers go: a brand called gDiapers. I haven't tried them yet (I'm due in June) but am excited about it. They combine the environmentalism of cloth diapers with the convenience of diposables. They just have an insert that you flush down the toilet (or even throw away) and unlike disposables the do biodegrade. The website has a video that shows that it is completely gone within a year compared to disposables which were still fully intact.
If anyone has used these, do they work well?
I hope so, personally I'm not quite ready to make the jump to cloth.
P.S. Still a lot cheaper than diposables!
[...] overspend on newborns. My pal Lynnae had a guest post featured at Get Rich Slowly, called "How to prepare for baby (without going broke)" This post by Christina is something I'm going to have to file away for awhile, but it's [...]
[...] Before I end this article, I'd like to point out an article that my friend Lynnae wrote for Get Rich Slowly: How to Prepare for a Baby (Without Going Broke) [...]
Great Article! I am due in February but have already started to research. My husband and I are from the US, but currently living in Thailand. I considered using cloth diapers, but I am not comfortable having to clean them myself. I looked into a service, but I did not find any available here. I did find out though, that some of the services use chemicals to clean the diapers that can be just as harmful as those found in disposables. Just something to be aware of. I have found some healthy and environmentally friendly alternatives such as Seventh Generation, Tushies, and Nature Babycare. The benefits vary from diaper to diaper, so do your research.
I am trying to be as green as possible not only for the health benefits I believe my child will receive, but also because it is good for the environment. While things do cost more, I feel the expense is worth it. For example, my husband as terrible allergies, so bad he started receiving weekly shots as a child. I'm hoping organic cotton and chemical free items may spare my child the annoyance and help reduce medical expenses.
We also try to eat as much organic foods as possible. While it is more difficult here to find organic than in the US, I figure something is better than nothing.
Also, my husband and I set up our will before we found out we were expecting. But, we had the will prepared to address any future children. No point in paying to have a will rewritten.
Since you're in Thailand, you're in a great position to do early potty training. It's the norm in the non-Westernized world. There will be many older women over there who can give you practical tips.
The non-Westernized world is astounded and somewhat sickened that we force our babies and small children to wear what are essentially soft portapotties at ages when their kids have long been using the potty on their own. We use more resources, from landfills, petroleum, water, and soaps; we go to much higher expenses. And we have a much higher germ load from it.
It is easy, positive, and natural. Babies are geared at birth not to soil themselves, although they don't have the ability to hold it long. If you catch their cue, they can hold it a short while so you can get them to the right spot so they can let go. It's actually less trouble than changing diapers (and washing them): get familiar with their schedule and cues, and then just have a covered container handy to hold them over. There are portable covered baby potties that are perfect for this, or you can just use your own toilet. They DO learn, early, to hold it until they're in position. And once they're old enough to put themselves in position, they'll use it with no problems. The knowledge and willingness is what we really mean by potty training, because even 3-year-olds usually need some help in the bathroom, and about as much as a 12-month-old in terms of handling clothes.
You're in Thailand, so you may be able to buy the Chinese split-crotch baby clothes that are specifically made for this. They wear these from birth until they're old enough to pull down their pants on their own, so they come in tiny sizes.
I mentioned how good this is for the environment, health, and budget, but it's even better for the child's self-esteem. No power struggles this way; no sense that they are a "baby". No falling asleep in their own excrement that they are powerless to get out of.
I encourage you to give it a try, especially given where you're living. The book I mentioned in a previous post is an excellent, research-based resource.
Co sleeping eliminated a crib/bassinet for us. We use a waterproof bassinet pad for changing them and place one under sleeping baby with a receiving blanket on top. High chairs are a complete waste.
I say, grab a pack n' play ($50 new on amazon), a few waterproof mats ($6 for 2 at Walmart), 2 packs onesies, a few footsies, a hat, some socks, some receiving blankets, wipes and dipes. Nurse and grab a sling so you don't need bottles or a stroller.
[...] Lynnae from beingfrugal.net told how to prepare for a baby without going broke. [...]
Having a 'personal protection package' is something that every parent should want to ensure your child's lifestyle will be assured no matter what happens to each parent during childhood. Purchasing various types of life insurance and income protection insurance can help here. Be careful of the fine print of insurance policies. Get advice from a specialist.
Thanks for your article.
I have to admit this is a really great article!! My fiance and I are getting married May 2012, all of our friends have children we have quite a few with 2 or more. Although we are younger, we have always had a love for babies and know that after the wedding we will be ready. My in-laws already have a daughter who is 12 years older than us but has never been married or had children, so you can assume that the in-laws are ready for grandchildren. However, people are always trying to scare us by saying "babies are too expensive" some even say that "they ruin your life" but we have both been such baby-lovers that it was hard to believe. For a while we actually believed them until I came across this post. After reading it with my future husband, we feel much more better about having a baby. I have started looking at craigslist and cant believe how much stuff you can get at such a low price! Beats buying overpriced stuff at the store. Best thing about buying the stuff from craigslist is (if your like us and only want one child), you can sell it to others and get your money back!
Thank you EVERYONE for the comments & thank you for the post! You have made our lives so much better(:
I agree that this post is an excellent one! It was very informative, and answered a bunch of questions. I anticipate being home with my future children. I especially like being "backed up" with the ideal of living off of one income. My husband didn't understand, I've been explaining for a couple of years that I'm just not on that trend of carry, birthing, and partially raising my child- as in depositing the child in a child care center day after day! I love all the ideals of being earth-friendly and using as many natural processes and interacting with babies. Also, I'm so for paying less less less. This article post just made my planning a bit more exciting!


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WHEN: Friday, November 8th, at 7 pm ST
WHERE: Scarlet Monastery, Tirisfal Glades
This week's Book Club finally delves into the secrets of the Scarlet Monastery! With an entire wing named for its Library, we're a bit surprised we haven't been there yet! Please meet at the summoning stone.
(Event should take approximately two hours to complete. Be prepared to "find" and discuss books, scrolls, artifacts, etc. along the way, and contribute to our library.)
…which faction?


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Care Team
Our nationally registered skilled technologists provide exceptional quality using state-of-the-art diagnostic equipment during the sleep study to ensure quality care.
Jason Cornelius, MD
Dr. Jason Cornelius is board-certified in neurology and sleep medicine. He has a special interest in sleep medicine, clinical neurophysiology, neuromuscular disorders and movement disorders. Dr. Cornelius is the Medical Director at North Memorial Sleep Health Center and is Director of the North Metro Center for Sleep Medicine at the Minneapolis Clinic of Neurology.
Amit Chandra, MD
Deanna Diebold, MD
Kristen Hasson, MD
Amy Knopke-Mooney, MD
Amy Knopke-Mooney, MD, is board certified in internal medicine, pulmonary, critical care and sleep medicine. She graduated from the University of Minnesota in 2001. She completed her residency training at Hennepin County Medical Center in 2004 and her fellowship training at the University of Minnesota in 2007.
Andrew Vaaler, MD
Andy Vaaler, MD, is board certified in internal medicine, pulmonary medicine and critical care. He is also board certified in sleep medicine and has extensive experience in the field. Dr. Vaaler lives in south Minneapolis with his wife and two children. He enjoys music of all kinds.
Ranji Varghese, MD
Ranji Varghese, MD, is a board certified psychiatrist. He completed his residency at the Mayo Clinic (Rochester) where he served as Chief Resident. He completed a Sleep Medicine Fellowship at the Mayo Clinic, where he conducted research on various sleep disorders. Dr. Varghese believes that a strong patient doctor relationship is the cornerstone for successful outcomes. He currently sees both adult and pediatric patients.


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Narrow your search
The SUV of choice for music and athletes is also popular with car thieves, and again is the vehicle most frequently reported stolen to insurance agencies.
The San Francisco-based car-sharing start-up plans to use its new investments to expand its service area and attract more members.
900,000 volts from a 4-inch fake handset.
Those chrome rims on your Escalade may be turning heads on the road, but they're also catching the attention of auto thieves.
If JBL's MS-8 integrated digital processor performs the way its manufacturer claims it does, being stuck with a stock car stereo may not mean that you're stuck with the stock sound.
One of the best values we've seen, the 2006 Scion tC offers strong audio options and decent performance, but leg- and headroom are limited for taller people.
Pricing not available


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Music News
Carrie Underwood's 'Two Black Cadillacs' Video Inspired by Stephen King
January 29, 2013 / 17:00
Avid readers of Stephen King's thriller novels may find the plot twist of Carrie Underwood's 'Two Black Cadillacs' strikingly familiar. The country music superstar used the famous novelist's classic 'Christine' as muse for her eery new video, which is being praised as her most visually stunning video to date. "I really don't know why I've [...]


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Many of us with children love the thoughtful, creative and eco-friendly crafts by Joel Henriques. Joel's website Made by Joel has become something of a cult classic for the modern creative family. He has generously shared his free craft tutorials, free downloadable templates and coloring sheets for years. All of these wonderful arts and crafts are personally created by Joel.
Now, Joel is releasing his first book, Made to Play!: Handmade Toys and Crafts for Growing Imaginations. Joel's book contains all manner of craft for young children, including modern games, puzzles, recycled crafts, zoo animals and even a doll house.
Explore: Joel's newly re-designed website Made by Joel
Buy: Made to Play!: Handmade Toys and Crafts for Growing Imaginations, on sale now and available for shipping Oct. 11.
Make: Your own recycled toys with Creative Dish's Recycled Water Bottle Bowling Set and Recycled Rocket Ship Template.


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Results 1 to 5 of 15
Thread: Joseph!
Threaded View
June 7th, 2013 07:49 PM #13Senior Member
Proud mama of Henry Atlas, born in July 2012
- Join Date
- Oct 2012
- Location
- Oregon
- Posts
- 309
Expecting a little lady this summer!
Currently loving...
Girls: Lila Poet, Catherine Indiana, Gemma Scout, Juliet Liberty, Ramona Holiday, Louisa Merit, Lucy Hero, Phoebe Sunday, Margot Phoebe
For boys: Julian Sayer, Jasper Locke, Pierre Otis, Pascal Odin, Peter Crusoe, Thomas Wilder, Robin Ulysses


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Institute of Empirical Economic Research
Working Papers
Contact information of Institute of Empirical Economic Research:
Postal: Rolandstrasse 8, 49069 Osnabrueck
Phone: 00495419692632
Fax: 0541/969-6142
Web page: http://www.iew.uni-osnabrueck.de/
More information through EDIRC
For corrections or technical questions regarding this series, please contact (Renate Ehmke)
Series handle: repec:iee:wpaper
Citations RSS feed: at CitEc
Impact factors: Simple (last 10 years), Recursive (10), Discounted (10), Recursive discounted (10), H-Index (10), Aggregate (10)
Access and download statistics
Top item: By citations. By downloads (last 12 months).
Undated material is presented at the end, although it may be more recent than other items
- 99 Discussion of "Target2 and Central Bank Balance Sheets"
by Frank Westermann
- 98 A Behavioral Macroeconomic Model of Exchange Rate Fluctuations with Complex Market Expectations Formation
by Peter Flaschel & Florian Hartmann & Chris Malikane & Christian R. Proaño
- 97 A Tale of Two Deficits: Public Budget Balance of Reserve Currency Countries
by Andreas Steiner
- 96 On the Size of Fiscal Multipliers: A Counterfactual Analysis
by Jan Kuckuck & Frank Westermann
- 95 Weak Identification in Probit Models with Endogenous Covariates
by Jean-Marie Dufour & Joachim Wilde
- 94 The Tragedy of the Commons and Inflation Bias in the Euro Area
by Dinger, Valeriya & Steinkamp, Sven & Westermann, Frank
- 93 Effects of simultaneity on testing Granger-causality – a cautionary note about statistical problems and economic misinterpretations
by Joachim Wilde
- 92 On Creditor Seniority and Sovereign Bond Prices in Europe
by Sven Steinkamp & Frank Westermann
- 91 Testing Wagner's Law at Different Stages of Economic Development - A Historical Analysis of Five Western European Countries
by Jan Kuckuck
- 90 International Reserves and the Composition of Equity Capital Inflows
by Xingwang Qian & Andreas Steiner
- 89 Are there Spillover Effects from Hong Kong and the United States to Chinese Stock Markets?
by Katharina Diekmann
- 88 The Duration of Bank Retail Interest Rates
by Ben R. Craig & Valeriya Dinger
- 87 Does the Introduction of IFRS Change the Timeliness of Loss Recognition? Evidence from German Firms
by Sebastian Brauer & Carl-Friedrich Leuschner & Frank Westermann
- 86 Financial Development and Sectoral Output Growth in 19th Century Germany
by Katharina Diekmann & Frank Westermann
- 85 The Accumulation of Foreign Exchange by Central Banks: Fear of Capital Mobility?
by Andreas Steiner
- 84 Central Banks' Dilemma: Reserve Accumulation, Inflation and Financial Instability
by Andreas Steiner
- 83 How Strong is the Case for Dollarization in Central America? An Empirical Analysis of Business Cycles, Credit Market Imperfections and the Exchange Rate
by Nannette Lindenberg & Frank Westermann
- 82 The Impact of Skills on Remigration Flows
by Peter Bönisch & Philipp Gaffert & Joachim Wilde
- 81 A Note on the Time Series Measure of Conservatism
by Sebastian Brauer & Frank Westermann
- 80 Contagious Policies: An Analysis of Spatial Interactions Among Countries' Capital Account Policies
by Andreas Steiner
- 79 How Strong is the Case for Dollarization in Costa Rica? A Note on the Business Cycle Comovements with the United States
by Nannette Lindenberg & Frank Westermann
- 78 Proposals for a Needed Adjustment of the VaR-based Market Risk Charge of Basle II
by Jens Fricke & Ralf Pauly
- 77 Common Trends and Common Cycles among Interest Rates of the G7-Countries
by Nannette Lindenberg & Frank Westermann
- 76 Risk Evaluation in Financial Risk Management: Prediction Limits and Backtesting
by Ralf Pauly & Jens Fricke
- 75 An Analysis of Aggregate Lending in Japan
by Christian Künne & Frank Westermann
- 74 Decomposing the Effects of Financial Liberalization: Crises vs. Growth
by Romain Ranciere & Aaron Tornell & Frank Westermann
- 73 Small-sample Properties of Estimators in an ARCH(1) and GARCH(1,1) Model with a Generalized Error Distribution: a Robustness Study
by Ralf Pauly & Peter Kosater
- 100 Are Banks Less Likely to Issue Equity When They Are Less Capitalized?
by Valeriya Dinger & Francesco Vallascas


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happy birthday! have a beautiful day <3
thanks doll :) <3 xx
why thank you, it's midnight here so i'll be heading to sleep in a bit but thank you <3 <3 xx
thank you darling, means tons <3 xx
thanks sweetheart <3 xx
thank you, and yes, i hope i shall <3 xx
thanks tons <3 <3 xx
haha aw well thanks lovely, wherever you are <3 xx
gracias haha ! thanks babe <3
Aw thanks anon, you're such a kind grey guy <3 xx
aw thanks so much <3 <3 xx
don't forget lovelies <3 <3
oh, these msgs make me so happy <3 thank you so much darling, you can't know how much all your compliments affect me. stay lovely xx
Thank you so much, it means tons to me ! You're very kind, truly. <3 xx
Such a lovely anon - it brightens my day when i wake up to such nice words :)


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This quality heavy duty hitch cover is chrome plated solid brass and is approximately 3" x 3" across with a two color epoxy-filled logo. This hitch fits a Class III receiver, which is a 2" X 2" opening. Also included are 2" foam gaskets and a locking allen head screw bolt set.
Price: $59.99


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See and share Beautiful Nature Photos and amazing photos of interesting places
A list of Archibald MacLeish Poems. This poet page also includes a link to popular and all-time best Archibald MacLeish poems and the poet's biography. Many of these MacLeish poems may be famous while other poems may be less well-known.
. American poet writer and the Librarian of Congress; of the Modernist school; won three Pulitzer Prizes
Are we missing a
Submit a Archibald MacLeish poem here...


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hey jellyfish- read the sign!
YOUR BIG. you're dumb.
Originally posted about 2 months ago. The grammar error has been pointed out with more graffiti. Found in the parking garage at the Squirrel Hill library.
Red Bull gives you wings… in the crosswalk?
Found on Negley Ave in Squirrel Hill. I don't know if this is graffiti. Or an advertisement? Weird !
Saw some elephants around today. Bloomfield/Squirrel Hill. One is a sticker. The other two are drawings on sidewalks. I'm not sure of the medium- paint pen? Any ideas?
Looks like the city is trying to paint over graffiti. But taggers gonna tag, you know?
I think this person either likes the band, Rancid, or is commenting on the state of affairs?
Found on Aylesboro Avenue in Squirrel Hill.
Sticker graffiti on the back of a stop sign in Squirrel Hill. (found on Beacon Street)
A helpful reader pointed out that the Hebrew translates to:
NO ARABS, NO TERRORIST ATTACKS, and KAHANE WAS RIGHT
These are shameful and racist sentiments, and it's sad to see them put in such a permanent form and put on display in our city.
We didn't know, and so we thought you should know, too.
On Forbes Avenue in Squirrel Hill. There are some "CLOSE" tags around. This bro loves CLOSE. So do I!


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Full size version is only available to registered users
Please Register as a New User or Login as Existing User to gain full access to all the photos on this site. Registration is quick and completely free.
Unregistered users can only view full size photos that have been added this month.
Grandes Jorasses
© Marek, Jul 2004
An experiment in duotones,
Camera used: Olympus C-3000


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Team Direct Souvenirs: Chelsea FC Gifts / Merchandise / Souvenirs / Memorabilia
Buy Chelsea Football Gifts. Badges, Bags, Balls, Bedding, Bears, Beanies, Bottle Openers, Bowls, Caps, Car Accessories, Clocks, Cufflinks, Flags, Flasks, Glassware, Goalkeeper Gloves, Golf Accessories, Hats, Keyrings, Gnomes, Mirrors, Money Boxes, Mugs, Scarves, Party Accessories, Pennants, Pens, Pyjamas, Shinpads, Socks, Stationery, Toiletries, Towels, Wallets and more!... Buy Chelsea Gifts Online at low prices!


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Meeting Room
- Meeting Room>
La Quinta Inn Bloomington - Normal
505 Brock Dr
Bloomington, IL 61701
Phone: 1-309-828-6000
Fax: 1-309-829-4325
Email this hotel: firstname.lastname@example.com
Let the staff at our hotel assist you with your meeting needs. For more information about catering, audio-visual equipment, or reserving a meeting room, please call the hotel direct. Or call us at 1-800-642-4239 for room availability and rates.
Facilities Summary
|Number of Meeting Rooms:
|1 room
|Total Space Available for Events:
|888 sq. ft.
|Largest Event Room:
|888 sq. ft.
|Largest Seating Capacity:
|40 people
|Smallest Event Room:
|888 sq. ft.
|Smallest Seating Capacity:
|26 people
|AV Equipment Available
|Catering Services Available
Room Capacities
|Meeting Room Name
|Total Space Available
|Total Ceiling Height
|Largest Seating Capacity
|Classroom Seating Capacity
|Theater Seating Capacity
|Banquet Seating Capacity
|Reception Seating Capacity
|Confer. Seating Capacity
|U-Shape Seating Capacity
|Open-Sqr. Seating Capacity
|Boardrm Seating Capacity


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Gidget Returning Home From 3,000 Miles Away
Now this was one stray dog! But good technology and people got her home.
Now this was one stray dog! But good technology and people got her home.
After a weekend of putting down entirely too much whiskey, I discovered a hangover cure from Thailand that fixed me up pretty good. My brother introduced me to the world of coconut water. At first I thought he was crazy, but it actually helped, especially when it came to the late night "charlie horses" that always seem to come on after a night of drinking
A lot of teenagers do construction work in the summers to earn some cash for the following school year. Even future three-time-Super Bowl-winning quarterbacks, it turns out.
It's a great question what would you like to see come to Missoula? Well I am a big fan of both of these new business added to the already wonderful list of local businesses for Missoula.
A former UM Student from Idaho has been identified by Missoula police as Jeremy St. Goddard. He will be arrested soon.
Sept. 18 might be a day Willie Nelson would just as soon forget. It was on this day in 2006 that the singer was arrested for possession of marijuana and narcotic mushrooms while on the road in Louisiana.
But the best lip-sync ever is on The Tonight Show with Jimmy Fallon. I laughed so hard at this! Oh Blake, the free champagne in the green room gotcha a little...
Some area high schools/ colleges are preparing for spirit week and some have it the first Friday of October.
In just an overall tear jerking story. The Kemoeatu name has been known in football. One son played as a Raven, another for the rival Steelers. Neither son would think they would have to quit NFL football to help save a brothers life.
The things you should know before you go.
The Missoula County Sheriff's Office is investigating two felonies that occurred early Wednesday morning, a theft of tools and equipment from a parked truck, and a man arrested for his seventh DUI.
Missoula County Sheriff's Office Public Information Officer Paige Pavalone on Wednesday clarified the situation regarding the extradition of accused killer Kevin Lino, currently in Louisiana, fighting his return to Missoula.


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New Year New…. You?
Hello my beautiful followers. Hope you're holidays have been great. As you all know the holidays are often associated with weight gain. GRRRR.
I for one have been feeling so sluggish and gross lately. Today i am starting my DETOXING TEA routine to start the new year to hopefully feel a little bit better.
if you guys want to come along me and my journey or simply are just curious about what exactly i am doing and what products i am using.
leave my questions and let me know what you want to hear!
I love love love hearing from you guys and i hope that you have been well and keeping healthy!
remember you are beautiful and have a great day xxx
and HAPPY NEW YEAR!!!


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More than One Iconic Brand
Kyle is a member of The Motley Fool Blog Network -- entries represent the personal opinion of the blogger and are not formally edited.
Consumers are often unaware of the businesses behind the brands in their pantry. Investors, however, know that some of the world's most prestigious companies control more than one iconic brand. When you think about the peanut butter and jelly sandwiches, J.M. Smucker (NYSE: SJM) should come to mind.
Caffeine and more
Smucker is also the largest U.S. producer of packaged coffee. In February, it appealed to coffee drinkers by reducing prices on its packaged coffee products, including Folgers brand and Dunkin' Donuts line, the latter of which is licensed to Smucker. Being able to deliver savings via price cutting is good sign for a company.
If you end up seeing a Life is good brand coffee on your favorite grocer's shelves, don't think its a startup. Smucker has teamed with the Boston based company to provide upbeat coffee names such as Happy Medium. The snappy marketing should help the brand stand out, particularly in grocery stores, where competition is growing.
While some say Smucker is too dependent on coffee, U.S. consumption remains strong. According to Statistic Brain, adults drink coffee every day, regardless of the season. And the proof is in the numbers. Free cash flow has more than doubled since 2011 and net income has held steady the past three years.
Smucker is not a high growth stock, but it does provide defense and stability for your portfolio. If business ventures like the Life is good deal prove successful, you should continue to expect strong operating margins of around 15%. Smucker already has a huge presence all over the country and Canada, so costs should remain low while it attempts to attract a younger, more diverse consumer group.
Successful split
Spinoffs don't always work, but so far things are good for Kraft Foods (NASDAQ: KRFT) and Mondelez International (NASDAQ: MDLZ). Mondelez now operates Kraft's former global snacking business.
While the Oreo may be "America's favorite cookie," Mondelez is trying to convince the world to share this opinion. The Nabisco brand is just one of nine that record sales of $1 billion or more. Mondelez has been focused on global expansion and its in a good spot because it controls 15% of the chocolate market and 30% of the chewing gum market on a global scale.
Mondelez also has a strong presence in other food categories. For example, it controls 18% of the biscuit industry. And this share is over four times larger than its closest competitors, Kellogg and Campbell Soup. Holding its own against juggernauts and securing over $2 billion in free cash last year, Mondelez has the brand power and dough to meet its global ambitions.
Master of its Kraft
Kraft's core grocery, cheese, beverage, and frozen meals segment have nine brands that bring in over $500 million in revenue per year. First quarter earnings blew away Wall Street estimates and Kraft stood by its full year projections. When one of its top North American brands is called Jell-O, it's time to take a closer look.
CEO Tony Vernon reported a 16% growth in and this brand now owns nearly a 30% share in the U.S. and Canada. Management believes brand focus and efficient promotion of key areas such as salad dressing are critical to fending off competitors.
Now that Kraft is basically a North American grocery business, its annual revenue of $18 billion will move with the U.S. economy. It even sports a dividend of almost 4%. Which is perfect for income investors because its healthy cash flows, now around $2.5 billion appear stable.
Grocery may not be the most profitable investment on the market, but the U.S. and Canada grocery market is massive and expects to grow by at least 3% in the coming years. Kraft is also responsible for the Planters nuts on your cocktail table and the A-1 steak sauce in your fridge. While its biggest challenge may be keeping up with the evolving health trends of consumers, Kraft is already in 98% of households, in one way or another.
Quiet giants
Among heavy-hitting competitors such as Heinz and global behemoth Unilever, it's promising that Kraft and Mondelez have continued to grow market share. Smucker has held its own in the coffee arena while sustaining a 2% dividend and has the cash to keep innovating. Choose your food and beverage companies wisely and it will reward you. Know the brands and you will know your investments.
Shares of Mondelez International fell immediately after it separated from its parent company, Kraft. Is this an indictment of the idea, or a buying opportunity today? Our top consumer goods analyst will give you the scoop in our premium research report on Mondelez. Just click here now for instant access.
Kyle Vaughan has no position in any stocks mentioned. The Motley Fool has no position in any of the stocks mentioned. Try any of our Foolish newsletter services free for 30 days. We Fools may not all hold the same opinions, but we all believe that considering a diverse range of insights makes us better investors. The Motley Fool has a disclosure policy. Is this post wrong? Click here. Think you can do better? Join us and write your own!