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Pradhan Mantri Fasal Bima Yojana: Several states that had developed cold feet in paying their shares of premiums in time are now contributing.
The Pradhan Mantri Fasal Bima Yojana (PMFBY) may have faltered after a promising start, but insurance companies seem to renew their interest in the NDA government's flagship crop insurance scheme. Thanks to constant prodding by the Centre, several state governments that had developed cold feet in paying their shares of premiums in time are now contributing. If the trend is sustained, claims-to-payout ratio under PMFBY could improve, leading to its wider coverage and remunerative margins for the insurers.
In Kharif 2017, 23 states — for which date is available — paid a premium of Rs 4,148 crore, more than three-fourths of their share. The gross premium collected for the season was a little over Rs 19,000 crore — farmers pay only a fifth of the premium, while the Centre and states foot the balance bill. As for the latest rabi season (17-18), while the states' premium share is estimated at Rs 1,607 crore, states have already contributed Rs 579 crore.
Maharashtra (`1,070 crore), Karnataka (`614 crore), Odisha (`278 crore), Uttar Pradesh (`240 crore), Haryana (`109 crore) and Chhattisgarh (`93 crore) have paid close to 100% of their share of premium in Kharif 2017. Madhya Pradesh (`694 crore) and Rajasthan (`364 crore) too have paid a substantial part of their premiums. Among the laggards were Andhra Pradesh, Telangana and Bihar, which have contributed zilch.
The ratio of claims made to the payout was close to 100% in Kharif 2016 and above 93% in Rabi 2016-17 as well. The ratio has subsequently slipped to very low levels primarily due to the states' reluctance/ inability to pay, but an uptick has been seen lately. About 42% if the claimed made by the farmers were paid by the insurers in Kharif 2017, according to data reviewed by FE.
Even though PMFBY is looking up, its targets are still daunting. The Modi government had said 50% of the country's gross cropped area would be insured by the end of the current financial year from 30% now; only Madhya Pradesh is around the target now, while in case of many states, the coverage is still far below the target.
Analysts say that the claims ratio — claims made to the premium charged — needs to improve a lot for the scheme to be viable.
Insurers such as ICICI Lombard, Tata AIG, Cholamandalam MS, HDFC ERGO, Bajaj Allianz and Universal Sompo are yet to settle claims worth over Rs 3,800 crore to farmers since 2016-17.
The unpaid premium by the states stands at Rs 2,490 crore now.
Since the start of the scheme, Rs 12,259 crore have been paid to farmers by some 15 insurers (for which data are available), out of the claims of Rs 16,061 crore.
By- Prabhudatta Mishra


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RMBS, CDOs account for 91% of structured finance losses
While residential mortgage-backed securities and collateralized debt obligations currently account for 91% of expected total losses on structured financial products, a new study from Fitch Ratings says securitization vehicles are performing better than most people would expect. RMBS and CDO products are faring poorly in the wake of the subprime crisis and a four-year economic lull, Fitch said. However, the ratings giant found a few diamonds in the rough of the securitization market. "The RMBS and related structured finance CDO sectors lead the pack in both realized and expected future credit losses," Fitch said in its report. "In contrast, losses will remain surprisingly low for consumer asset-backed securities products like auto loans and credit cards despite expected continued economic gloom." Fitch noted that even the CMBS segment is expected to record losses at a lower level than previously expected. Fitch expects total losses on structured finance deals in the U.S. to reach $376 billion. RMBS and CDOs remain areas of top concern. To date, Fitch anticipates U.S. RMBS losses will reach 12% of the original balance of the loans, while CDO losses are expected to grow to 43% of the segment's original balance. Losses on ABS and CMBS remain conservative and paint a brighter picture for investors in asset-backed securities, according to the ratings agency. "Losses on assets such as auto loans and credit cards have been miniscule and are expected to remain so, with overall ABS topping out at around just over 1%," the research report said. "CMBS losses, which one would expect to be high given the dramatic drop in commercial real estate values, will likely reach a manageable level of 4% to 5% by the time the deals fully mature," Fitch concluded. Write to Kerri Panchuk.

subset: commoncrawl


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100 years! Bay Village's first civic organization, founded February 1917.
For 100 years we have served the community:
support and donations to various civic organizations and projects,
scholarships to worthy high school seniors,
programs and interest groups for its members and the public to enjoy.
50th Annual Antiques Show
March 2-3, 2019
Location is Bay Village High School


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Wedding planning is stressful, and it can make an otherwise rational and kind guy or gal say something they'll regret on the road to the big day. With that in mind, here are eight things you should never say to your significant other, from experts who've seen these otherwise innocuous phrases go terribly awry.
__1. "You always ..." __
According to Amy Nichols, owner of Amy Nichols Special Events and co-founder of The Poppy Group,, this is a bad way to start any sentence during the wedding planning process. "This comment starts with blaming word," she says. "It makes assumptions about what the other person wants or might want. Listening before assuming what your future spouse might want is essential. Consider that your fiance may have a thought that surprises you."
__2. "Your parents are driving me crazy." __
You feel like can tell your partner everything. "But speaking negatively about his or her parents and family is a big no-no," warns Jaclyn Fisher, owner of Philadelphia-based Two Little Birds Planning. "Even if your love is complaining about his folks, don't join in and criticize his family. This can lead to a quick fight with your fiancé since we instinctively feel defensive of our own family. If family is a topic of discussion, it's important to be respectful."
__3. "I don't care what you think about ..." __
You swoon for peonies, but for some reason, your partner can't stand them. That's A-OK, Nichols says. "But what's not OK is to dismiss the other person's opinion," she says, with a comment that tells your partner you could care less. Instead, "listen, compromise, and make a mutual decision," she suggests.
__4. "You're overreacting. Relax." __
Just because your partner is overreacting doesn't mean you can or should call him or her out on it. "Telling him or her to relax will actually have the opposite effect, because it is diminishing the way he or she feels," Fisher explains. "Instead, you should acknowledge and respect his or her feelings, then work together to come up with a solution to the problem."
See More: How to Deal with Wedding Planning Stress
5. "No, you're not having that."
Perhaps you have your heart set on designer shoes for the big day, but your partner can't justify the expense on your budget, so he gives you a hard-no. "This absolute-no mindset in wedding planning can be detrimental to your relationship as well as the success of the wedding planning process," warns Nichols. "Try to come up with ways that both partners are able to receive what they'd like for the wedding day."
__6. "My ex ..." __
In the same way you really shouldn't invite your ex to the wedding (except for special circumstances), you shouldn't really mention his or her name while you're planning your wedding with your current love. "Bringing up your ex during wedding planning is a sure-fire way to upset your partner," says Fisher. "It shows that you're still thinking about him or her, instead of focusing on the future."
7. "You decide."
According to Nichols, "Apathy in wedding planning always leads to disagreement," and that's especially true if you say the words "you decide" following a big-day disagreement. After all, when you really want someone's opinion, this is the last thing you want to hear. "Change your mindset to 'we decide,' and keep talking it through until you can come to some kind of resolution," suggests Nichols.
__8. "Why are you so emotional?" __
"Wedding planning is a really emotional time," says Fisher. And asking your partner why he or she is feeling all the feelings, she says, "is only going to make it worse and will probably lead to an easily avoidable argument. Start by offering comfort, then a sensitive approach to find out what's truly wrong."


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Within the chaos and conflict of the world, we long for peace. Often, peace is defined as some sort of compromise, some sort of restraint of natural impulses. This brand of peace is actually repression and repression breads anger and conflict and you know the rest. I've found that peace is not about comprise or repression. It's not about following rules of conduct. Here are a few thoughts about a different sort of peace, a natural one that is already here within reach.
Peace is lively stillness.
Peace is delighting in the co-existence of opposites.
Peace is seeing thoughts, words and actions as currents within the stillness you are.
Peace is experiencing birth and death as waves within stillness.
Peace is entering the silent gap within conflict and finding aliveness.
Peace is laughing about others being in conflict with what you say.
Peace is engaging Mind's role as definer of characters in the play of Life performed on the stage of silence.
Peace is honoring your role in the world play, whatever it is.
Peace is not something you achieve. It's what you are.
What is your experience of genuine peace?


text:
So heres the deal...
I'm going to share some of my favorite polaroids that I saw on Friday night. Each one will get a dedication or a title that I , personally, think they should have.
Also, I think they might have asked people to write 'what they wanted to do before they died' on them...so some people did. (Sorry for the flash, but they were all covered in plastic baggies).
I have to set this first one up for you...
This one is, by far, my favorite.
It's the simple things in life that make life worth living and laughing till you puke is insane.
Quote: "Before I die I want to laugh so hard that I puke"
Title: Where'sTheParty?
Title: CleverlyImpossible
Title: FashionDon't
(although I did see one at the beach today...wowzas).
Poster: "WHO'S COMING TO DINNER"
Dedication: Joel
Title: WorldDomination
(Like Martha Stewart, Jay-Z, and this monster, I to want to take over the world).
Title: Pegasus
Dedication: Monica
(p.s. I know its not a freakin' pegasus).
Quote: "Before I die, I want to drive a race car"
Dedication: My Grandmother.
(this lady kicks rear and so does my grandma).
First off, it says, "i have no nipples, love, landon" at the bottom....
and you know what?, Landon doesn't have any nipples.
Title: BornWeird
Dedication: Giuliana
How much do you love this girl???
Title: LivingTheDream
Dedication: To myself...I basically aspire to be this...just for you guys.
Dedication: This TINY little kitten is for you, Mikey.
(I just wish he had a tiny little hat too).
Dedication: Christina & Ryan (on Saturday night).
Just sayin'.
Title: GettingSexyForYou.
Dedication: Newps.
Title: FutureDaughter
(Thank God she didn't ask for a damn pony).
Title: BeachManSlut
Last, but not least, I have a DIY for you (plug Joe's voice) "creative types" out there...
Title: LameDIY
(but Dr. Dre and Eazy E kick some serious ass).
So all you need is some stencils, spray paint, a plain tee, and.....


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Also, (and I'm sorry I don't have any photos to share), last night I made this amazing brocoli soup with this beautiful zucchini ribbon salad (with goat cheese and walnuts)... if you're looking for something to make this weekend, I highly recommend both. Have a delicious weekend!
ps aren't those the cutest shoes you've ever seen? they stole my heart yesterday... so I had no choice but to make them my own :)


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So, go convince your local Clueless Council not to do the two things that have done most to make houses unaffordable:
1 - draw zoning squiggles on planning maps, thereby ensuring a 10 times raw land price differential between one side of the fence (rural, no builds) and t'other (urban, build away). The difference is pocketed by the lucky land-owner, and guess who pays? Right, the eventual house/section buyer.
2 - levy development taxes on every section/house. Mike Greer, here in Christchurch, estimates direct Council costs as $75K per house/land sale. Guess who pays. Right, you, the house/land buyer, and with oncosts, interest, developers margin on top.
Of course, banks just love increased costs, too, but they aren't the ones who set this whole dreadful ratchet effect in motion.
The Economically Clueless Councils did.
There. Fix these two things, get Affordable houses.
Easy, weren't it?
Wednesday, February 19, 2014
The stock reply to the Unaffordable Houses threads everywhere...
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It was celebrations all round on the 3rd November, as The Barber Lounge reached its first year in business.
Salon owners, Cathy Mulholland and Sarah McElmoyle showed their appreciation to all their loyal customers by running a '1st Year Anniversary' competition. The incredible prize consisted of FREE haircuts for a whole year plus a gift hamper worth £70. The lucky winner of the competition was announced as David Walls.
Based in Draperstown, Londonderry, this beautiful boutique barbershop is the perfect place for any discerning gentleman and offers an array of services from cuts to beard trims.


text: Tronn Wærdahl wrote: > > > Personally i dont like YUM, I prefer apt-get, the package you dont > wanna update is openldap, espesially the server, you could easyly > configre apt, to ignore those packages > > There is allso a script included to make your own apt repository > > Tronn > man yum.conf . . . exclude List of packages to exclude from updates or installs. This should be a space separated list. Shell globs using wildcards (eg. * and ?) are allowed. -- Toby Bluhm Midwest Instruments Inc. 30825 Aurora Road Suite 100 Solon Ohio 44139 440-424-2250


text:
On Tue, Aug 9, 2011 at 7:23 PM, Alan Gresley <firstname.lastname@example.com> wrote: > On 10/08/2011 10:28 AM, L. David Baron wrote: >> >> I asked Vitor Menezes, an intern this summer at Mozilla, to work on >> implementing @supports (as @-moz-supports). He pointed out the >> following problem with the grammar: The grammar currently *attempts* >> to avoid allowing nesting extra sets of parentheses, e.g., to allow >> @supports (display:block) and (display:inline) >> but disallow: >> @supports (display:block) and ((display:inline)) >> but it fails to do that in one case, which is that it allows double >> (but not more) parentheses around the argument to "not". >> >> On reflection, I think forbidding doubling of parentheses is a bad >> idea because it makes it harder for people to test things by >> commenting them out. In other words, since an author may want to >> experiment with: >> @supports not ((display:block) and (display:inline)) >> by changing it to: >> @supports not ((display:block) /*and (display:inline)*/) >> it should be legal to write: >> @supports not ((display:block)) > > > I never liked this form of nesting. It does not occur in CSS3 mediaqueries > nor any other syntax that has statements with blocks. I believe that several > arguments appearing between blocks are better separated by commas or > keywords, like shown below for the ease of commenting parts out but more so > to hunt down parsing errors. > > @supports not (display:block and display:inline) > > @supports not (display:block , display:inline) Neither of these work, as the property values may include commas or the keyword "and". You absolutely must enclose the declarations in parens (or some other delimiter that cannot be mistaken for part of a value). ~TJReceived on Wednesday, 10 August 2011 02:30:40 UTC
This archive was generated by hypermail 2.3.1 : Monday, 2 May 2016 14:38:48 UTC


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French Protest Gov't Pension Reform Plan
At least 300,000 workers marched Sunday through the streets of Paris to protest government plans to reform the pension system. France's powerful unions threatened a general strike.
Unions that organized the march put the number of participants at 600,000. Even at half that number _ the police estimate _ it was the largest protest since conservative Prime Minister Jean-Pierre Raffarin took office a year ago.
The government wants to increase the years employees must work to get a full pension at retirement, a move officials say is needed to keep the pension system from collapsing within two decades.
Raffarin plans to put the plan before the Cabinet on Wednesday, the first step toward a parliamentary vote. He has vowed to get the reforms on the books by the end of June.
"If the government sticks to its position, a general strike cannot be excluded," said the head of one of the unions, Gerard Aschieri of the FSU.
The reform would extend the time government employees must work for a full pension from 37.5 years to 40 years, like in the private sector.
Unions say they don't oppose adjusting the pension system to save it, but they complain changes are being made at their expense.


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Bike Shop Girl
I met Arleigh of Bike Shop Girl last year at the SRAM Ladies Lounge. I was inspired by her technical knowledge as she gave tech demos for all of the lovely ladies over the course of 3 days. I definitely learned a thing or two! After chatting with her a bit more I also found out that she has a great blog that she updates regularly with women related bike stuff. It is a great resource for all you ladies out there. Arleigh asked me to do a little interview for her Motivational Mondays...check it. :)


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World Cup Bar Address - Rugby Pl, Sydney
Sydney Clubs
About World Cup Bar
World Cup Bar
Rugby Pl , (Off Pitt St), Sydney
Sydney, NSW, 2000
This listing is under a verification process.
If you're the owner please contact us.
* Disclaimer: While every care is taken to ensure the accuracy of the data, This site does not represent or guarantee the accuracy, reliability, completeness or suitability of its content for any particular purpose. Please contact us if you discover an error.
World Cup Bar map


text:
No 'silver bullet' to tackle this disease
Dr Sophie Biernaux, talks about GSK's commitment to fighting malaria.
Giving babies a healthier start
Why are our scientists researching how to adapt an ingredient in mouthwash into a gel for newborn babies?
By the time the second hand on your wristwatch has circled its dial, a child in Africa will have died of malaria.
The fight against malaria
For the past 30 years, GSK scientists have been working with other organisations across the globe with the aim to develop what could be the world's first malaria vaccine.
A rapid response to slow acting disasters
GSK is working together with Save the Children and the Department of Foreign Affairs and Trade in Australia, to support the establishment of a new Emergency Health Unit EHU which can respond to natural disasters such as hurricanes and earthquakes, and provide essential healthcare during slow-acting disasters like malnutrition.
Increasing medicine access across the world's poorest nations
GSK expands graduated approach to patents and intellectual property to widen access to medicines in the world's poorest countries.
International collaboration seeks to make childbirth safer in developing countries
A global alliance led by GSK and Monash University promises to fast-track delivery of oxytocin to mothers in developing countries


text:
|Airstrips is a Scrabble word. Scrabble point value for airstrips: 11 points.
|Airstrips is a Words with Friends word. Words with Friends point value for airstrips: 11 points.
Above are the results of unscrambling airstrips. Using the word generator and word unscrambler for the letters A I R S T R I P S, we unscrambled the letters to create a list of all the words found in Scrabble, Words with Friends, and Text Twist. We found a total of 158 words by unscrambling the letters in airstrips. Click these words to find out how many points they are worth, their definitions, and all the other words that can be made by unscrambling the letters from these words. If one or more words can be unscrambled with all the letters entered plus one new letter, then they will also be displayed.
|Definition of "airstrips" found in the Merriam Webster dictionary
|Definition of "airstrips" from The Free Dictionary
|Definition of "airstrips" from Dictionary.com
|Words that start with airstrips
|Words that end with airstrips
|Words that contain airstrips


text:
Published Monday, April 5, 2010 | 12:28 p.m.
Updated Monday, April 5, 2010 | 3:36 p.m.
Sun Coverage
Steve Wynn's compensation as chief executive of Wynn Resorts changed little in 2009 as the casino operator struggled in Las Vegas, according to a recent filing with the Securities and Exchange Commission.
Wynn's compensation totaled $8.39 million in 2009, compared with $8.45 million in 2008. Those numbers compare to the $11.2 million Wynn made in 2007, according to the filing.
The package included $2.95 million in salary, a $4.06 million cash bonus and $1.37 million in perks, mostly for personal use of a company aircraft. Wynn received no stock or options.
The Sun calculates total compensation based on an executive's base salary, bonus, non-equity compensation, change in pension, all other compensation, options exercised and stocks vested. The Sun does not include stock and option awards until the stocks vest or options are exercised.
As of March 1, Wynn held more than 11 million shares in Wynn Resorts, the filing indicated. Last year, Steve Wynn held 24 million shares with his then-wife, Elaine Wynn, but the couple sold some shares and split the rest of their stake as they divorced. The divorce was final Jan. 5.
Chief Financial Officer Matt Maddox took home $8.9 million in 2009, according to Sun calculations, including a base salary of $780,000 and a bonus of $5.65 million, the highest bonus of executives listed in the filing. Wynn Resorts reported Maddox's total compensation and cost to the company was $15 million in 2009, compared to $17.7 million in 2008.
Chief Operating Officer Marc Schorr received $5 million in compensation, according to Sun calculations. Schorr received a base salary of $1.8 million and a bonus of $2 million. Wynn Resorts reported his total compensation was $18.9 million in 2009, compared to $26 million in 2008.
Linda Chen, vice president of Wynn International marketing, brought home $2.8 million in 2009, while General Counsel and Secretary Kim Sinatra received $4.52 million, according to Sun calculations. Wynn Resorts reported Chen's total compensation as $11.2 million and Sinatra's as $10.5 million.
The Associated Press contributed to this report.


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About the institution
Swansea University is situated in parkland and botanical gardens overlooking Swansea Bay and located near the beaches of the Gower Peninsula, with a second campus – The Bay Campus – situated on the eastern approach into Swansea. It has almost 16,000 students and was the UK's first campus university. It describes itself as 'one of Wales' finest sporting institutions' and has hosted sporting events such as the IPC Athletics European Championships and the ILS European Lifesaving Championships.


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With ETF product development off to a robust start in 2012, issuers are continuing to fill the pipeline with new ideas. Industry veteran PowerShares filed with the SEC to bring to market tw0 active ETFs while First Trust has laid the groundwork to beef up its AlphaDEX lineup. Relative newcomer FlexShares made plans for a small cap fund intended for investors who are looking to round out their international exposure.
Illinois-based PowerShares has made plans to roll out two intriguing actively managed funds:
- PowerShares Equity Allocation Portfolio: This ETF seeks to achieve positive total returns in rising or falling markets that are not directly correlated to broad equity or fixed income market returns [see also Low Volatility ETFdb Portfolio]. The fund will seek to achieve its investment objective by using quantitative, rules-based strategy that may invest in a combination of equities, volatility "VIX" related instruments, and money market instruments [see SEC Filing].
- PlowShares Commodity Rotation Portfolio: This ETF seeks to achieve capital appreciation through an active, quantitative, rules-based strategy designed to capture profits from rising or declining price trends in commodity markets. The fund's methodology will focus on commodities which are deemed to exhibit powerful relative strength characteristics [see SEC Filing].
The issuer behind the popular AlphaDEX family of products, First Trust, is planning to beef up its lineup with seven country specific ETFs [try our Free ETF Country Exposure Tool]. Each of the proposed funds will feature an expense fee of 0.80% [see SEC Filing]:
- First Trust Germany AlphaDEX Fund
- First Trust Canada AlphaDEX Fund
- First Trust Australia AlphaDEX Fund
- First Trust United Kingdom AlphaDEX Fund
- First Trust Taiwan AlphaDEX Fund
- First Trust Hong Kong AlphaDEX Fund
- First Trust Switzerland AlphaDEX Fund
The firm is also planning on two small cap ETFs [see SEC Filing]:
- First Trust Emerging Markets Small Cap AlphaDEX Fund: This ETF tracks a modified equal-dollar weighted index designed by S&P to objectively identify and select securities from the S&P Emerging Markets Small Cap BMI Index [see Small Cap ETFdb Portfolio].
- First Trust Developed Markets ex-U.S. Small Cap AlphaDEX Fund: This ETF tracks a modified equal-dollar weighted index designed by S&P to objectively identify and select securities from the S&P Developed Markets Small Cap BMI Index.
All of the proposed First Trust ETFs will employ the AlphaDEX strategy, which is a quantitative indexing methodology that seeks to generate extra return relative to traditional market cap-weighted products by employing an active security selection process.
FlexShares, which debuted its first products in September 2011, is planning on expanding its lineup with an international equity ETF [see SEC Filing]:
- FlexShares Morningstar Developed ex-U.S. Markets Factor Tilt Index Fund (TLTD): This ETF is designed to provide broad exposure to the global developed equities market, excluding the United States, with a weighted tilt towards small cap and value stocks. Under normal circumstances the fund will invest at least 80% of its total assets in American Depository Receipts (ADRs) and Global Depository Receipts (GDRs).
[For more ETF analysis, make sure to sign up for our free ETF newsletter or try a free seven day trial to ETFdb Pro]
Disclosure: No positions at time of writing.
Click here to read the original article on ETFdb.com.
Read more posts on ETF Database »


text:
A while ago I wrote a brief (hah!) introduction to the new Bay Trail-based NUC. I was intrigued by the some of the changes made to keep costs down, but also curious about whether the performance would be strong enough. The folks on the NUC team put one together for me and said "Do your worst" (what? No Jim Caviezel fans out there?). I've been working with it for a while now and I feel like sharing. That's just me…I'm a giver.
First, as I mentioned in my previous blog the test unit I was given was "hot out of the oven", meaning they actually built it for me while I waited. While that was a cool thing it also meant the unit I was getting was still a little rough around the edges software-wise. While physically it's identical to what customers will get, the BIOS and drivers weren't quite finished yet. That meant some trial and error, some testing, and some limitations for me. It was a very cool experience for me getting to test out beta BIOS and drivers. But it also meant some delays while issues were sorted out. Not that I don't love living in the Wild Wild West of computing, because I do.
I used a 4GB sodimm and an 80GB Intel SSD (already had it so that was lucky). I originally planned to use my old Westinghouse 1440X900 monitor but it turns out I couldn't see the bios screen or boot screen because the monitor doesn't handle either 1024X768 or 1080p. So instead I moved into the house and used my Asus 1080p monitor.
Update your BIOS. Just do it. Don't even ask. The Visual BIOS is nicely put together and a great feature about the latest version is it lets you set which operating system you plan on using, and it then sets the BIOS settings accordingly.
Visual Boot Manager:
Yes this one comes with Visual Boot Manager, and I'm happy to report it works great. Unfortunately it's pretty empty. At this point you get icons for any bootable devices connected, but nothing else. Still, it's a nice clean boot screen if you're like me and you regularly switch between devices to boot from. You can turn it on and off in the BIOS so if you don't need it you can do without. I'm still eager to see where it goes because I think it has a lot of potential.
Windows 8
The first step was seeing how the Bay Trail handled Windows 8. The DN2820 released without Windows 7 support so Windows 8 was really the only choice. I made a USB 3 installer stick and…nothing. The system wouldn't boot from it, or even recognize it. I was still running the pre-release BIOS and after talking to the team learned there was an issue with some USB 3 sticks being recognized on that BIOS. So I updated the BIOS and tried again. This time it worked and installing Windows 8 from a flash drive went smoothly. I didn't notice any lag or slowness at all during the install, and it finished with no problems or errors. I booted into Windows and pretty much nothing worked, which is what I expected because I hadn't installed the drivers yet. I downloaded the driver pack from the download center. And here is where I have a compliment and a complaint: Great job on combining on the drivers into an easily downloadable bundle. But if we're going that far, why can't we have a combined installer as well? Is there some reason we can't have a single installer with check boxes to pick which drivers we want to install? I ask because installing the drivers separately is a P-A-I-N, especially since pretty much all of them want a reboot after installation. Anyway, that's just a gripe of mine.
After installing all of the drivers it booted up it looked great and, despite my dislike of Metro, it gave me an excellent Windows experience. Everything was smooth and functional. I installed XBMC, a few Metro apps, OpenOffice, some games. Then I just used it like I would use any computer. And you know what? It was pretty good. I didn't feel any lag, the graphics were good, and everything worked. As much as I'm a cheerleader for the NUC I wasn't expecting a whole lot in the way of performance from this "NUC-lite" but it was doing just fine. I watched some movie trailers through XBMC, streamed some video off of a flash drive, streamed some tv off of a network share. Everything went off without a hitch. I did notice a fraction of a second delay before starting playback of recorded tv. It wasn't enough that I'd call it a problem…just slightly slower to start than my i3 (I know...shocking, right?).
Then I tried out my Media Center remote and it didn't work. That was strange. I was sure I'd installed the drivers. I checked and everything in Device Manager looked happy but the remote didn't do diddly. So I uninstalled the IR receiver drivers and rebooted. Boom…the remote worked. I went through another round of installing and uninstalling the drivers to confirm and sure enough installing the drivers actually made the IR port stop working. I reported this to the team, they confirmed it in the lab, and before long (about a week) an updated driver was available that worked great. Unfortunately, it didn't work in the Metro apps. That's not an issue with the NUC, the port, or the driver, but with the Metro apps themselves. I can't for the life of me figure out why there would be a Metro app for Netflix that doesn't let you use a remote control. But whatever, the NUC was doing just fine.
Windows 8.1:
I decided, reluctantly, to try Windows 8.1 next. I went through the installation again; same process, same complaint…I really have to install ALL of these drivers separately?
After a reboot it looked great but I couldn't help but notice the absence of the familiar sound effects. I did a quick check and found I had no sound through HDMI. I plugged in a speaker to the analog port…worked great. I paired a bluetooth speaker…similarly great. But no sound through HDMI. I tried uninstalling/reinstalling the drivers but it didn't help. The device was there in Device Manager and it was listed in the sound output properties, but it shows as "unplugged". I tried a different HDMI cable but no luck. So I pinged the team. They recommended I update to the latest available BIOS, which I did, but still no sound. Then they recommended disabling Legacy Boot in the BIOS. No I couldn't for the life of me figure out how the two were related but I took a chance and did as the asked. Sure enough when I booted back up the HDMI sound was working. They tell me a future bios release will make this work on its own but I was happy with it working so I moved on. That was the last piece and now I had a 100% fully functional Windows 8.1 system. Incidentally I went ahead and installed Classic Shell, which took me back to a Start menu and Windows7-like experience. If you have Windows 8 but don't have a touch screen I highly recommend Classic Shell. It's free and it makes Windows 8/8.1 MUCH more usable.
Windows 7:
As I said earlier this NUC shipped without Windows 7 support, and it's the only NUC to date that has. That bugged me. After all Windows 7 seems to be the OS that would be most likely to choose if they want the Windows experience but don't have a touch screen. It's cheaper, it comes with Media Center, and…most importantly…it doesn't come with Metro. Well GREAT NEWS! The team has been hard at work on BIOS and driver updates. Most of the pieces are there for Windows 7 support, with a graphics driver on the way. You can actually install it now I'm told, you just won't have a good graphics driver. I don't know when the driver will be ready but I'm told it will be soon. Kudos to all the people who put so much effort into making that happen because it's huge. Once the driver is ready I'll give it a go.
Linux Mint 16:
Anyone who reads my NUC blogs knows I'm a big fan of Linux Mint. If you want a Windows-like experience but don't like the Windows price tag then Linux Mint is a good choice. The Cinnamon desktop environment is pretty similar to Windows, and Mint includes an update manager, and office suite, a software installer, even desktop themes. It looks great, works great, and makes your wallet happy.
Installing Linux Mint from a USB stick could not be easier. The best part is that there are no drivers to install…everything's included. On first boot I ran into a weird issue. It booted to the desktop but had no task bar. After toying around for a while I figured out that I could get to the display settings by right-clicking on the desktop and selecting Change Desktop Background, then clicking All Settings and finally going to Display. Once there I found that there was a phantom display set as my default, with my actual monitor set as a secondary monitor. By disabling the phantom display my monitor became the primary and everything went back to the way it should be. I reported this to the team and they're looking into it. It's minor thing and easily fixable but it would still be good to court the Linux world by making that work by default.
After it was installed a familiar issue emerged: no HDMI audio. I knew I had the right BIOS settings so this was weird. I started going through the Mint forums and learned that this time the issue wasn't with the NUC at all. Apparently "HDMI No Sound" is one of the more common search phrases for Linux Mint 16. Fortunately a little more digging revealed the fix. A few commands input at the terminal screen and HDMI audio was working just fine.
Just like with Windows I installed XBMC, a few apps, and then just generally played around. And like Windows the experience was top notch. Streaming worked great, movies worked great, web browsing, word processing…even Google Earth (wow!) all worked well. The IR port worked perfectly in XBMC too.
It really is a shame we can't make the driver experience in Windows better. That's not a NUC-specific comment, just a general complaint by me about the state of things. When you install Linux almost everything works by default. With Windows you have to go through eight or nine installers and several reboots. Annoying.
I'd never tried Openelec before, and honestly didn't know what the big deal was. Just another Linux distribution right? But looking through the XBMC forums I saw lots of raves about it so I thought I'd see how well it worked on the Bay Trail. Well it didn't work…not at all. I couldn't get past the install screen. Fortunately after some reading the XBMC forums I came across someone who had gotten it working on the Bay Trial NUC by downloading a beta version of the next release. So I downloaded it and tried it out and was really impressed. Openelec is basically a stripped down Linux distribution that does one thing: run XBMC. That's all it does and it does it very well. There is no desktop environment, just XBMC. It's very small so you can boot it from a smaller flash drive, and it's portable so you can switch between computers too. The only issue I had with Openelec on the Bay Trail NUC (and the other two NUCs I tried it on) was that I couldn't get bluetooth to pair with anything. Maybe I'm overly optimistic but I'm putting that down to it being a beta version and hoping the final version has bluetooth working.
It's important to know what you're getting before you buy any computer. To keep the cost down there had to be some compromises and they may affect your buying decision:
- For starters the graphics are Ivy Bridge-based, so you won't be running a 4k display. You can run 1080p at 60hz just fine but that's about as much as you're going to get. (note: playback at 1080p at 60hz looks great on it).
- Also because of the graphics this is not a gaming computer by any stretch. If you want something to play games look at the i3 or even i5 models.
- It's not as expandable as the other NUCs (maxes out at 8GB of RAM, only has one slot) so be sure you don't need something that handles more RAM.
- You get one HDMI port and no DisplayPort, so this unit is meant for a single monitor or TV.
- You only get three USB ports and only one of them is USB 3. I'm not crazy about it being the front port either. After all, if you use an external drive for media you're going to want to connect it to the fastest port, and that should be on the back, not the front.
- It's great that the Bay Trail NUC supports 2.5" drives, but it's a shame it only supports one drive. It would be preferable to have it support one mSATA and one SATA like the i3 and i5 Haswell NUCs, but then you run into the whole cost issue again.
- Finally the Bay Trail CPU has enough power for many tasks but I wouldn't recommend this system for double-duty. I didn't stress test it but I noticed things slowed down considerably when I was trying to do too many things at once. The fact that it only supports memory up to 8GB also points to a system not intended to be all things to all people.
Final thoughts and impressions:
The Bay Trail NUC is a surprisingly good performer. It's a great little system for the price-conscious DIYer who wants to build an economical workstation or HTPC. It's got enough power for day-to-day stuff like web browsing and word processing, and it handles audio & video for home theater very well. The fact that it comes with wifi and bluetooth is a bonus. As the BIOS and drivers are updated it gets better and better and I strongly recommend updating your BIOS to the latest version before you do anything else. The latest BIOS takes care of a bunch of issues and makes for a much easier experience.


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The Ratings Game
There are ways to get more comps
by Frank Scoblete
True story time. A hard-of-hearing football coach was at the craps tables in Atlantic City, playing for the very first time, and he was having a really bad run. The floorperson came over to him and asked him, "Do you want us to rate you?" The football coach screamed, "You're taking my money and now you want to rape me!?"
Not quite. If you walk into a casino and buy in at the tables, you'll probably be approached by a floorperson who will ask you if you have one of their player's cards. If you tell him you do and hand it over, the process of rating your play will begin. If you tell him you don't, you'll be asked if you want to get a card so that you can "get rated."
Casinos want their patrons to come back time and again and giving comps based on the player's rating is the way the casinos bring such patrons back. Rating a player is a very simple concept based on the following elements:
1. What game is being played? Some games have high house edges such as roulette; some games have low house edges such as blackjack; some games have both low and high house edges like craps.
2. How many decisions does the game have per hour? Some games are fast-paced, like blackjack; some games slow-paced like roulette.
3. How much is the player's average bet?
4. How long does the player actually play the game?
5. What is the player's theoretical loss per hour?
Once the player's rating is ascertained, then the casino can give that player various comps as a reward for his play. Let's take a look at how this works with some of the popular casino table games.
Blackjack: Blackjack is still the most popular table game in the casinos. A player can play 80 to 120 decisions per hour at the game, depending on how crowded the table is. If we use 100 decisions per hour as the norm, a $10 blackjack player who bets the same amount hand after hand puts into action about $1,200 per hour (the extra money is because of double downs and splits which raises his average bet). The casino usually rates the theoretical loss at 2 percent of his action (or $2 for every $100 wagered) – so his theoretical loss is $24 per hour or two average bets.
If our player actually plays one hour, he can expect to get between 30 and 50 percent of his theoretical loss back in the form of comps. So let's split the difference and make it 40 percent as our comp return. Our player will get about $10 back per hour in comps therefore.
Of course, most blackjack players vary the size of their bets, so a $10 blackjack player who sometimes jumps to $20 or $30, will have a higher average bet size. It is the floorperson's job to see what the range of a patron's betting is in order to give that person the rating he deserves.
Craps: Craps is a more complicated game to rate players because of the wealth of betting choices available. These bets range from good bets (i.e., bets that have low house edges) such as Pass, Don't Pass, Come, Don't Come, and the Placing of the 6 and 8 where the house hovers around 1.5 percent (or $1.50 for every $100 wagered); to poor percentage bets such as the placing of the 4, 5, 9, 10, and the Field, where the house edges are between four and seven percent; to bets where the house edges are abominable such as the Hardways, the Crazy Crapper one-roll bets of the 2, 3, 7, 11, and 12 or any combination of these variously called C&E, Horn, Whirl, or World, where the house edge goes from about nine percent to about 17 percent.
A craps player who constantly makes the Any Seven bet is facing a prodigious 16.67 percent house edge; while a player who makes a Pass Line faces a mere 1.4 percent edge.
To solve the problem of the diversity of craps bets, most casinos have a three-tiered rating system at craps that goes as follows:
1. Good Player: Only makes bets with low house edges such as Pass, Don't Pass, Come, Don't Come, Placing of the 6 and 8, and some lay bets. House edge is 1.5 percent.
2. Typical Player: Makes place bets of 4, 5, 9, 10; plays the field; makes lay bets. House edge is five percent.
3. Action player: Makes the high house edge bets in center of table. House edge is 10 percent.
Of course, many players make a combination of good, typical and action bets at craps so the floorperson has to often "guesstimate" what the player is facing in the way of house edges to get a theoretical loss of such players.
Craps also has a strange decision matrix. The Field and the Crazy Crapper bets at the center of the layout of the 2, 3, 7, 11, and 12 are one-roll bets and are determined with each and every roll of the dice. However, all other bets are only determined a given percentage of the time. For example, the 6 has 11 ways to be decided in 36 possible combinations of the dice. It will win when it is thrown (five chances) and lose when a 7 is thrown (six chances); all other rolls will have no effect on the 6.
So the raters at craps also take into consideration if the player is betting many numbers or merely one or a few numbers. Most casinos do not give any rating to the odds bets as such bets have no house edge.
Now once the theoretical loss is established for the craps player, the formula is the same as for blackjack. The player will get back between 30 and 50 percent of his theoretical loss in the form of comps.
Roulette: Roulette is an easy game to rate as all but one bet at the American double-zero wheel (i.e., the wheel that has a 0 and a 00 as two of its 38 pockets) has an edge of 5.26 percent. The single multiple bet of the 0, 00, 1, 2, 3 is the exception and has an edge of over seven percent for the house. While roulette has a high house edge on all of its bets, the number of decisions per hour is usually in the vicinity of about 50, sometimes much less at crowded tables. A roulette player will be rated based on his total bet for each spin. Thus, if he or she bets $10 on seven different numbers, and $10 on three of the outside proposition bets, his average bet is considered $100 for rating purposes.
A $100 roulette player will put $5,000 into action every hour with an expected loss of $263 and a comp return of $105 per hour.
If you play the European wheel that has only one zero then the house edge is reduced to 2.7 percent. In addition, if you play in games where the outside propositions only lose half when a 0 or 00 is the decision, the house edge is reduced by half at both the American and the European wheels.
All Other Table Games: The basic rating system for all other table games follows the same pattern as for blackjack. Three-Card Poker and Mini-Baccarat are very fast games, often coming in with over 100 decisions per hour. Caribbean Stud is a slower game, more like roulette, while Pai Gow Poker is the slowest of all the table games. Many casinos only rate you as betting one-half your bet at Pai Gow Poker for comping purposes.
Some Rating Tricks for Some Treats
Casinos want players who play, win or lose, and come back and play again. The more they play, the better the chance the players will be behind. Now, if player "A" comes into a casino and places one $1,000 bet, loses and leaves, and player "B" comes in, hands in a player's card, bets $10 a hand, loses $1,000 over a period of several hours, which player do you think has the better chance of returning for more action?
Most casinos would guess that player "B" is the one who will come back and play some more because he has already played for several hours and he has handed in a player's card, even if this is the first time he has played in that casino. Player "A", while helping the casino with his one big losing bet, is a true unknown. Was his bet a once in a lifetime moment? Or is it a harbinger of things to come? Who knows? He left too fast to make a judgment.
Casinos, like restaurants, theatres, movies and your local barbershop and airlines want repeat customers. That's what keeps them afloat.
Always hand in a player's card before you play. Do not place a bet until the floorperson has taken your card and recorded your name. You want every bet to be rated by the casino.
Always tip on top of your bets and not in front or alongside your bets. If you tip on top of your bets, the tip counts as a part of your bet. If you are betting $10 and put a $1 chip on top, your rating just went up 10 percent for that hand. When you tip on top let the dealers know that the money on top is theirs. You get the benefit of being a "George," which means a tipper, and you get the added ratings benefit as well. If you put the tip in front or alongside your bet that is not a part of your bet but a tip for the dealers and it is usually not counted in the ratings.
In the ratings game, just about everyone gets the rating they truly deserve from the casino. However, it's more fun getting a rating you don't deserve – a better rating than you deserve in fact. You can do this in several ways. Every time the floorperson comes over to rate your bet, double the size of it. Yes, it will cost you more in losses, but the comps for being rated twice as high will more than offset any losses that you have on the few hands that you have doubled.
In blackjack, when the dealer is shuffling, put up a big "show" bet that the floorperson sees and records. When the dealer starts to deal, take the bet down and put up your regular bet. If the big bet is recorded, you have gotten some ratings value from it without any risk whatsoever. Another way to save money at blackjack is to sit out a hand every now and then when the floorperson is occupied somewhere else. If you can sit out 10 percent of the hands, you have decreased your losses without decreasing your rating.
In craps, if you are a Place bettor, then place your bets while the shooter is on the come-out roll when those bets are off. You will get credit for the bets but they will not be at risk. Here too you can make a bigger Place bet than normal. Once the shooter has established his or her point, you can take the bet down to its normal size.
Some players think that the rating systems of the casinos are traps to lure you into playing for more money and/or for longer times. For some players this could be true. If you find yourself caught in the ratings trap, you might be better off forgetting about the comping systems and just playing without a player's card. However, for those who play what they are going to play and such ratings have no influence over them, then getting a little extra for those hours playing the games is icing on the cake.
Frank Scoblete is the #1 best-selling gaming author in America. He is executive director of the Golden Touch advantage-play seminars in craps and blackjack. Looking for great gambling products and gifts? Go to www.gamblersoutpost.com. His websites are www.goldentouchcraps.com, www.goldentouchblackjack.com, and www.scoblete.com in association with CasinoCity.com. His newest book is The Golden Touch Dice Control Revolution! For more information or a brochure, call 1-800-944-0406 or write to Frank Scoblete Enterprises, PO Box 446, Malverne, NY 11565.
Do you have a comment or question about this article?
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Each school year, the Elmore City – Pernell Foundation for Excellence recognizes local teachers and staff with an Excellence in Teaching Award. Nominations may be made throughout the school year by emailing the name of the teacher and reason for nomination to firstname.lastname@example.com.
The criteria for nomination must include one or more of more of the following: mentorship, leadership, quality of instruction, dedication; exceptional and positive impact on one or more students; or going "above and beyond" basic expectations.
Please provide a short paragraph explaining your reason for nominating the teacher.
Awards are announced in May of each school year.
Our preference is that the nominations are made by a parent, guardian, or grandparent of an Elmore City – Pernell student.
We encourage and appreciate your participation!


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This film is a hit in Italy, and early response is positive at the Tribeca Film Festival. The audience seemed enthusiastic, although there's likely a buzz factor when the director and the two glamorous lead actresses show up.
The prologue shows a bicyclist struck by a car at night, with the car just driving off. We had already seen him as a waiter at a lavish banquet, and he was on his way home. We find out later he will die from his injuries. So it will be a hit-and-run case movie; it will be told in three parts, each named for a central character. The first part concerns Dino, a middle-aged neer-do-well who is married to, Roberta, a psychologist. This part opens six months before the accident, when Dino picks up his teenage daughter, Serena, at her boyfriend's house. The boy, Massimiliano, is obnoxious and spoiled, especially by his mother, Carla, who's somewhat of a ditz. The boy's father, Giovanni, is a wealthy hedge fund owner. When he finds this out, Dino can't pass up the chance, and he lies to Giovanni about his finances in order to buy into the fund. The second section concerns Carla, who spends her days shopping and regretting the theatrical career she abandoned to marry Giovanni. But her passion in life is her son, especially after the police suspect he is the driver of the car. The final section is about Serena, who had been a mere presence in the film until then. But there were hints earlier that she is hiding a secret about the accident, and we see the reasons for that. By the end of the film, the real driver of the car is sent to prison, but not because the police solve the case. Instead, we see that the cause of "justice" is only served because of a secret deal that saves Dino from financial ruin.
The director, Paolo Virzi, is clearly a talented filmmaker. Frame composition, editing, cinematography and pacing show control and assurance. The talented and attractive cast perform competently, creating sharply defined, if shallow, characters. The main problem I had was with the characters themselves. The first two sections, which are well over half the film's length, are concerned with characters who are distasteful and/or stupid, and there's little pleasure in watching them. They are familiar, shallow bourgeois types, presented without insight or humor. The two fathers, in particular, are so repellent that I was irritated by the women who married them, even though they are meant to be sympathetic. Much screen time is also spent on Carla's affair with a theatre director. Besides having nothing to do with the main story, it includes one of the most pointless and unconvincing sex scenes I can remember. I should also mention that – even in subtitles – a lot of the dialogue rings false, as in bad soap opera. One of many examples is when a group of teenagers sees Serena with Luca, one whispers something like, "Look, there she is with the druggie." The fact that the story was adapted from an American novel may also explain these awkward moments.
The film improves in the final section, when we are shown events from the daughter's viewpoint. By the day of the accident, Serena has dumped the worthless Massimiliano and become involved with Luca, an emotionally fragile boy who had gone to prison to protect his uncle, who, incredibly enough, is an even more disgusting person than Dino and Giovanni. Luca is meant to be sympathetic, but is only a generic victim type, the kind you find on your average "Law and Order" episode. Serena, however, as played by the talented Matilde Gioli, in her debut performance, is the moral center of the film. She has inner strength and genuine compassion for others. The final shot is uplifting and hopeful, showing how Serena shrugs off the selfish behavior of the adults around her to help another human being in trouble.
The film is being touted as a hard-hitting probe of financial corruption, but it's really not. You'll find a slickly made human drama, intermittently affecting, but marred by phony touches and one-dimensional characters.


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5 Subject Lines For Winning Media Pitches
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Back to Parliament Hill
After a summer of meeting constituents, attending local events, knocking on doors, catching up on correspondence and research, it's back to Ottawa. I'm looking forward to this legislative session, and getting back to regular correspondence over the web and social media.
This fall I will be appearing regularly on an MP panel on Power Play with Don Martin, Tuesdays some time between 5pm and 6pm. I hope you'll get a chance to watch either live or on the CTV news website.
I picked up a slogan this summer from the canine world: "More wagging, less barking". Not bad advice for parliamentarians! I'm looking forward to bypassing the worst of the partisan attacks but having some good fights over real issues. I hope you'll join me on facebook and twitter with your comments, and I'll do my best to respond.
Comment on this post on Facebook: https://www.facebook.com/TedHsuMP/posts/354763507940115


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Online Photo Collage Templates
It is very customizable and easier to use. Choose your photos one by one and crop to fit exactly on the template. Then selecting each photos, add various border styles like outer border, inner border, roundness, add photo effects. Change background color or make gradient or apply photos as backgrounds. Load free google fonts easily and add different fancy style text with options to caption or name your photo collage. It's so easier and fun to use. Just Try it to make cool photo collage.


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This page is the narrative for our global businesses:
Asia Europe Trading
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Over the last decade our AET businesses have established enviable reputations as premier suppliers of Home and Garden Products, Quality Bathroom and Kitchen Products, Supply Chain Management, Consultancy Services and Business Development Services.
We have now combined all our sites under this one "Globally Accessible Website".
Customer satisfaction and continuous product development and innovation are our driving business goals.
We understand and value the needs and demands of our customers and we are always striving to deliver the highest levels of product quality and service.
We always fully engage with our customers' initiatives, product development plans and TQM systems. In turn, we develop and provide relationship management and teamwork within our business to provide the best win-win solutions to our customers' needs.
The world of business changes and evolves every minute of every day and we believe that our efforts will keep all of our customers in a more competitive and successful position within their markets.
We are proud to represent the interests of our carefully selected partners . . .


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Really Tough Search Engine Marketing SEM Survey
Search engine marketing (SEM) campaign account structure has changed in the past 12 years. My survey is to understand if your SEM keyword strategy is really helping you to improve your campaign performance. This survey will help me to understand some of your basic strategy while you were setting up a new or modifying an existing campaign. I want to assure that I will reach each one of you with my recommendations.
Now go on and take the Survey below or you can go to the link https://docs.google.com/forms/d/109mFq2iuLmAfYxfoOzYRjgjzSth0KOxvrb6YHVeeB3I/viewform?usp=send_form


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Meet Norbert U. Frost: Business, Estate Planning & Family Law Attorney Serving Vallejo and the San Francisco Bay Area
Many things in life aren't easy if you have to do them alone, without help.
- Starting and running a business
- Resolving disputes with partners, vendors or employees.
- Your assets and family have grown, but you don't have a will or trust.
- Your loved one passed away, what happens to their assets and debts.
- Your once vital marriage is now falling apart.
But you can't do it alone. You need help from an experienced lawyer you can trust. I will listen to you, get to know you and your situation, and find answers that work for you. We work tirelessly to find and achieve sensible solutions.
I worked for large firms, but in 1991 I decided to start a small firm so I can give personal attention and exceptional legal services to each person that needs my help. For over 32 years, I have helped people just like you solve their business, estate planning, probate, trust administration, divorce, child custody, property division, and child support and spousal support problems. With my extensive trial and mediation experience, I have the ability to resolve cases through negotiation or when necessary, take them to trial.
Please contact my office to schedule an appointment to discuss your legal needs.
- Mediation Training, Pepperdine School of Law, Straus Institute for Dispute Resolution
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- State Bar of California
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Past & Present is housed in a large old rambling wooden building that is full of nooks and crannies with around 25 dealers showing their wares. We carry a large and ever changing stock which is not limited to but includes:
- Furniture (Antique, Art Deco, Retro & Designer)
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- Fashion (Vintage, Designer, Retro: Hats, Bags, Clothing & More!)
- Silver
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To view our current stock, please take a look at our catalogue page.
Also at the Risby site:
- A large barn full of antiques
- A cafe
- Hedgehogs Garden Centre & Gift Shop
- Cassie's Country Charms
- Annie's Vintage Shack
- The Cozy Cabin for sewing & fabrics
- Colin's Workshop


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After a very long weekend without baseball, the World Series is set and Kauffman Stadium will be ready to rock tonight when the San Francisco Giants come to town to take on the miracle Kansas City Royals.
As everyone would expect, game one features both teams' aces going against each other after plenty of rest for both. Both James Shields and Madison Bumgarner started their teams' wildcard game, which resulted in wins.
Shields has started three of his team's eight games leading up to the World Series, while Bumgarner has thrown four of his team's ten playoff games. In those seven starts between the two, the Royals and Giants have gone 6-1 so something will have to give on Tuesday night when two of the game's best go at it.
Related Articles
- Why the Giants have the World Series advantage
- The Royals and Giants prepare for the underdog World Series
- The secret to the Kansas City Royals success
But while Bumgarner has been basically shutdown (five earned runs in nearly 32 innings pitched), Shields has been fortunate to have gotten some great run support from an offense that isn't necessarily stocked full of fire power. Shields has pitched all right, but you can really only point to one start where he pitched well.
Two of his three starts have resulted in just five innings, and a combined eight runs. Against the LA Angels, however, he posted a quality start with six innings and two runs allowed. Both of those runs were scored via a solo home run though. And he may not be so fortunate this time around.
Shields to benefit from rest?
As he's aged and logged big inning totals year after year (he run up another 232 this season), Shields has gradually lost some zip on his fastball, which has affected his changeup's effectiveness.
There's a chance that ten days off between starts this time around will allow him to reach back a little more on that fastball, but he's shown a propensity to tire after the first time through the lineup. Shields' greatest ability as a pitcher is to battle and outthink his opponent. But that's what San Francisco does so well with their core three offensive players, Pence, Posey, and Sandoval. Overall, it appears to be a tough matchup for Shields, who will need to throw pretty spotless baseball with Bumgarner going on the other side.
Giants advantage
Bumgarner's ability to go deep into games is a great omen for the Giants in game one of what should be a bullpen-heavy series.
I fully expect Bumgarner to out-pitch Shields on the road this year, especially once you consider his road ERA was nearly half his home mark this season (2.22 to 4.03). But if he's able to throw eight or nine innings and the Giants can get ahead in the bullpen usage right off the bat, it will set them up nicely for a series win. Couple that with the momentum KC brings into this game and this is one of the more crucial game one's you'll see.
I'll take the experienced team that plays so well on the road with their ace behind them. Giants to win game one.


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Six Word Thygraphs You Are All Winners
How can you choose a winner out of hundreds of fantastic entries?, I'm still in awe over the response to the Six Word Thygraph article and contest. And while it is trite, I do think you are all winners. We all shared our struggles and triumphs, vented our anger and sadness, poked fun and waxed poetic. For me, I experienced a little of the same catharsis as when I wrote my Dear Thyroid letter, but it was so much less WORK–the equivalent of a quick and yummy appetizer in lieu of a heavy meal!
I asked Katie, Liz, and my husband Brian (Did you see his entries?, Not too shabby!) to join me in choosing one favorite each as a semi-finalist. It took a bit longer than anticipated, frankly because we all had many favorites. I then let a random generator choose the final winner to keep it all fair and objective.
Here are the highly anticipated semi-finalist Six Word Thygraphs:
So many thyroids…so little healing…
A tiny Samurai attacks my thyroid
Hitting rock bottom again and again
One little gland jacking me around
And a huge congratulations to….WENDY!, Wendy, please contact Katie to redeem your prize–a Dear Thyroid T-shirt of your choosing, for you or your Samurai!, (Or, you can have your Thygraph emblazoned on a shirt for yourself–I'd buy one, too 🙂 ).
Thanks again to everyone–you all are the reason that Dear Thyroid is special!
Tags: 6 word monograph contest, 6 word writing contest, health literary contest, thyroid 6 word story contest
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Reader Feedback
11 Responses to "Six Word Thygraphs You Are All Winners"
Amazing! I am proud of myself for being a semi finalist! Wendy, congrats! It is a very good one! Put it on a shirt…it would be great for awareness! Ah, Thanks everyone!
Congrats, Wendy!!! Way to go!!
When I think about it, it does feel kinda like there is a teeny, tiny attacking Samurai waaayyy back there in my throat, and it is jacking me around, making me hit rock bottom, and I wish, oh, how it wish it could be healed!! lol
I thought all the posts were awesome! All those people out there who identify with each other, and with me. They were all thoughtful, meaningful and some heartbreaking, but of all the ones that I posted myself,(and there were alot…that was very addictive!) I liked that one the best. Thanks,gals!! I feel kinda proud!! 🙂
Amy, congratulations on being a semi-finalist. Your 6-word monograph kicked ass, LOVED IT!
Thank you for participating. Fear not, my dear, we have lots of cool literary tricks up ourselves in the coming months.
Bonnie – You should be very proud – so should Amy, the other semi-finalists and everyone who participated. EVERYONE'S ENTRIES WERE JUST OUTSTANDING.
We are so grateful to you for sharing so much of yourselves as always. You rock the world, kid.
Hey thanks ladies. I still read through all the posts a couple times a week. What makes me the most happy, though, is how much fun you all had participating!
Great point, Robyn – We all had the best time participating. I was losing myself in the 6-word monograph contest! Truly a fantastically brilliant endeavor. LOVED IT.
yay!! all of these were well done… and the top six deserved their place as the top six.
congratulations Wendy! and I would so buy that if it was on a t-shirt!!!
Congratulations Wendy and too everyone who took part alas I didn't because for once in my life i couldn't think of anything I know why tired and Hyper dose reduction today.
I thought they were all great and imaginative welldone.
[…] days later, Robyn opened up the idea to her readers in a Six-Word Thygraph contest that resulted in some really amazing six-worders. Robyn recalls, "We had new visitors, first time posters, and some of our […]
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The Orillia Public Library is a partner with the Ontario Government to facilitate access to programs and services available through the ServiceOntario website using the Library's public Internet workstations.
With help from library staff, you can navigate the ServiceOntario website to find government information for businesses or individuals, as well as over 400 government forms available online. Many routine transactions, such as applying for a birth certificate or change of address for your health card or driver's licence, can be completed online through the library website, using a major credit card if payment is required.
ServiceOntario for Businesses
The Orillia Public Library can play a significant role in supporting small/start-up businesses in our community. We provide access to a collection of business books as well as business-related databases. Combined with access through the public computers to government business resources at ServiceOntario, we can assist you with your business needs.


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Car Buying
Definitions: Turbocharged Engine
Pros: A turbocharged engine is typically more fuel efficient than a regular engine at a given horsepower; pleasant punch for passing and merging
Cons: It can be thirstier than a regular engine if you have a heavy foot; turbochargers themselves can fail and be costly to replace
Summary: If you're shopping for a car and see the term "turbo" or "turbocharged engine," it means that the engine employs a device called a turbocharger. A turbocharger is an add-on part that uses recycled exhaust gases to increase power.
Turbocharged engines are very popular today because of their Jekyll and Hyde personality. Since the turbocharger generates extra power, it allows smaller turbocharged engines to equal larger nonturbocharged ones in acceleration. But because the turbocharged engines are smaller, they're also generally capable of better fuel economy. It's like having two engines in one: a small, economical engine for ordinary driving and a responsive, high-performance engine for passing and such.
But turbocharged engines are only more fuel efficient when you drive with a light foot. Once you get the turbocharger all worked up, even a small turbocharged engine can suck down gas just like those larger engines. So if you drive aggressively, you may want to consider a larger nonturbocharged engine, as you're not likely to see huge fuel economy gains with that driving style.
You also should consider that the turbocharger is another moving part that can fail. In fact, it often does fail during the life of the car. Not surprisingly, replacement turbochargers don't tend to be cheap.
What it means to you: In this era of ever-increasing fuel economy standards, the turbocharged engine is here to stay, and that's a good thing. Just don't necessarily expect miracles in terms of fuel economy, though some are very thrifty. "Your mileage may vary" is the operative phrase here.


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Arcade Fire and Pixies 2014
Arcade Fire are bringing their Reflektor tour to Ireland next summer for one night only to Marlay Park, Dublin on Sunday 29th June. Joining them on the line up are very special guests Pixies. Tickets €61.50 including booking fee are on sale at 9am this Friday 13th December from Ticketmaster outlets and online at www.ticketmaster.ie. Friday's gonna be a big day for Ticketmaster. Arcade Fire and Miley Cyrus, prepare to be queuing folks!


text: You would think that restaurants would want food writers to visit. If I were opening an establishment, I would clearly believe in my food enough to want even the toughest critic to test the waters. Open for a year or for a day…shouldn't matter. On another note, I agree with your reaction to whatever that was on your plate! If it is scary from here, I can imagine how you felt as it was placed in your direct line of sight! Just horrible. Great post by the way; a very enjoyable read (unfortunately from a not so enjoyable experience).


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As 22-year-old Irishman Rory McIlroy continues to impress in the majors, it becomes more and more apparent that the PGA Tour needs to wrestle this golf phenom away from the European Tour and keep him for themselves.
It's a big money decision for McIlroy. Taxes play a big part. Not only would he have to pay taxes on his winnings in the United States if he played more events here, but he'd also have to pay taxes on his endorsement income.
Thanks to endorsements from Jumeirah, Titleist and Oakley, the Irish resident makes about $10 million in endorsement income. But marketing insiders think that could easily double in a year's time if he continues his charge to the top of leaderboards and finishes off to win a major, something he couldn't do this year at the Masters. [Editor's note: This story was written before the conclusion of the U.S. Open golf tournament, which McIlroy won in convincing, recordmaking fashion Sunday with a 16-under-par 268 over four days.]
As endorsement cash started to trump winnings and prize money, tax authorities in the US and United Kingdom started to catch on.
"Within the last five to ten years, the national office of the IRS decided to take a closer look as did the UK, which were the only two countries that tax an athletes endorsement income, and they felt like they weren't getting their fair share," said Mark Castell, an accountant and partner at HPM Partners LLC in Cleveland who oversees the complex tax situation faced by athletes including Maria Sharapova.
Castell said he couldn't fairly guess how much McIlroy would have to pay in endorsement tax to the US if he played here, but it can be assumed that off his current $10 million, McIlroy might be giving up as much as $1 million to the US government from his endorsement contracts alone.
While that might not seem like a lot in the scheme of things, there are many high-profile athletes who have been known to arrange their schedules surrounding major events based on taxes.
Since each athlete's travel situation is different and each endorsement is structured differently, how much a particular athlete owes is always up to interpretation.
In 2002 and 2003, for example, Retief Goosen, a South African who lives in the United Kingdom and plays most of his golf in the United States, only sourced 7 percent of his roughly $1 million per year in endorsements to be subject to US taxes. The IRS believed that they were owed much more, especially for Goosen's sponsors like Electronic Arts and Upper Deck, which sold most their products in the United States. Last week, a US tax court said Goosen, who wasn't delinquent on any taxes at any point, might owe more to the US government.
The argument against McIlroy caring about the tax situation is the fact that he might be worth more in the United States playing against better talent than he is playing in Europe. That's debatable for his main sponsor Jumeirah, who might want him playing in Europe to promote their resorts in London and Dubai.
Then there's the money. There's more potential cash in the United States. The average PGA Tour tournament offers roughly $2 million more in purse money as compared to the European Tour.
With Tiger Woods' future up in the air, the PGA Tour has to score McIlroy next year, and don't think Rory's people aren't running the numbers.


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I've had a couple of exhausting weeks - the type that wear you down. Suck your energy until there is none left. There have been tears and there have been tantrums - both from me and the kids! But you know that's all part of being a Mum - we suck it up and spit it out... yeah yeah... bring it on!
We in our house are all hanging out for next weekend. It's a long one, and the start of the school holidays and our first foray into family camping (two children and a baby - no the dogs didn't get a guernsey this time...sorry boys). DH arrived home tonight after an 80 hour week at work (poor guy) so it will be just nice to see him!
Hopefully this week there may be a little more interaction between me and my friend Bernina. I stood her up on several occasions last week in favour of trashy night time telly. Sorry babe. I don't know what I was thinking! However, I am now excited about Meg's next Kids Clothes Week Challenge coming up in October. If you'd like to spend a week making some mini clothes (or vicariously enjoy the process through others) head over to Elsie Marley to check it out.


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The owner of Mitchell Company on Olympic Drive called police to report a burglary Saturday. According to an Athens-Clarke police report, the incident occurred sometime between Friday and Saturday.
The front window of the store was smashed, according to the report and a bottle of $40 liquor was stolen, police said.


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MERRY CHRISTMAS! We hope you have had a lovely day with whomever you have spent it with! We will be eating our own body weight in food and drinking all the champagne we can get our hands on. We have enjoyed Blogmas so much this year, we are so sad it is over! Twenty Five blog posts involved so much planning, writing, giggling and eating but we wouldn't have changed it for the world.
We hope you have enjoyed following us along on our journey and the lead up to Christmas, we have been feeling more festive than ever this year and we have blogging to thank for that! We thought the best way to end Blogmas would be to write about our own family traditions!
Rachel Tradition's
Christmas Day is only with my immediate family as the rest of the family live in Northern Ireland. Christmas Day for me isn't a huge family affair and nothing out of the ordinary as we will often eat meals as a whole family. For this reason I have chosen to take advantage of all the bank holidays and go away for 3 weeks to South East Asia. I am sad to be missing Christmas Day today however I am currently living it up in Bangkok before my tour with G Adventure begins tomorrow.
However we would usually wake up early-ish on Christmas morning to stockings waiting in the hall for us. We all sit in the front room and open our stockings whilst listening to Christmas music. Then myself and mum start making breakfast. We always have a box of Cinnamon Squares for breakfast, these are from our local cafe called believe it or not Cinnamon Square and they taste delicious! We heat them in the oven and enjoy these with bucks fizz! At the breakfast table we open what we call our 'main present'. This is the big main item we have asked for. We all open at the breakfast table and its always exciting!
We then get ready and all dressed up to head to church. We always attend Church on Christmas morning without fail and its a short family service.
Then we go home and start getting ready for a late lunch, I will always help mum prepare the lunch. I also help serve up the starter which is always fish. We usually have a selection of terrines and king prawns. We all sit down to the starter and open our crackers.
We then eat the main course about 30 minutes later which of course is a Christmas meal with all the trimmings, Turkey, Gammon, potatoes, veg, pigs in blankets etc all washed down with wine or prosecco.
We are always too full to have dessert but will spend the rest of the day munching on a selection box! We spend the rest of the day opening presents and will often crack out a board game or two! We end the evening watching a film that we have most likely received that day before tucking into bed!
Annie Tradition's
Usually the music will be playing at full blast from about 7 o'clock in the morning! Even if you wanted to stay in bed (which we don't) you wouldn't have a choice. My dad always cooks a full English on Christmas morning and makes sure there is plenty of champagne flowing (you will never have an empty glass in our house). We tend to open our Santa presents in the morning before heading down to the pub for more beverages. This is actually a new tradition, we never did this when we were younger as we were too busy playing with all our new toys and who wants to go to the pub when they are younger? BORING, now we are older we love it!
Once we are home from the pub; Canapes will be served, games will be played, presents will be opened and champagne will be drank- this is basically our day on repeat.
We have always had Christmas dinner quite late, we have never been a Sunday lunch family we always have our roast in the evening. Table presents have always been a tradition in our family; they are usually small funny gifts! We always have salmon and prawns to start which seems to be a tradition for most families! Christmas dinner is then served followed by homemade Christmas pudding.
We usually end the day on the sofa in a carb coma still munching on chocolate whilst watching a film or a Christmas special that is on TV. Christmas day is pretty relaxed in our house and boxing day is when we have the rest of the family over to celebrate.
Merry Christmas


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Browse our large selection of air purifiers and replacement filters.
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When you check out our quality selection of standard units, junior units and replacement filters, you're bound to find a product that fits your needs and is exactly right for you. We bring you deals on the hottest products around.
Our philosophy is simple - when you think of air purifiers, we want you to think of us.
We also want you to shop with confidence, knowing that your order will be shipped promptly - and if there should happen to be an issue, you have a real person you can get in touch with. Just go to our Contact page, where you'll find our phone number, email address and other contact information. So as you're looking at standard units, junior units or replacement filters and a question pops into your head, be sure to contact us. We're always happy to answer questions.
With every standard unit and replacement filters, our air purifiers are top quality.
We don't only offer the best choice in air purifiers, it's our mission to provide the best customer experience on the internet. So look around and enjoy yourself. Window shopping is half the fun of online shopping!
Enjoy your experience here at airpurifiersonline.com by checking out our fantastic selection of air purifiers today!!!


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I spent ages on my rudiments today. Trying to clock them at each speed I could do them. Try Here
Basically you should aim to get your rudiments to godlike speeds. Yes, there is a limit on what you can do physically, but that shouldn't stop you trying to reach those speeds. I'd say you never perfect a rudiment, cause there's always a tempo that is faster.
Warm up with rudiments, try to get better, but don't spend all of your time consumed by them. You have to have fun practicing as well.


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Also....be sure to check out our freebie printable gift tag downloads, you can find them HERE.
Christmas Subway Art
Also....be sure to check out our freebie printable gift tag downloads, you can find them HERE.
4 comments:
Too cute!! Love the colors!! Thanks for the free subway pic!!ReplyDelete
One month is not enough neither for me :) I am listening Sinatra and other old Christmas songs in my office!ReplyDelete
Wish you a happy holiday season,
Thanks so much for linking to Make the Scene Monday at Alderberry Hill, you are being featured later today!!ReplyDelete
We're so appreciative of your comments! Thanks so much for visiting! Download issues? Make sure that you are clicking on a file inside our download folders before clicking the download button! Using the "download" button before clicking on a file will not work, since the whole folder cannot be downloaded. Must download each file found in the folder separately. Make sure to click on a file in the folder first, then click on "download". Enjoy the freebies!!


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Sweet and Glory Wholesale
Why Sweet and Glory Wholesale ?
- Competitive Trade Prices
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*On orders over £150 + VAT Please see terms and conditions link.
Sweet & Glory is a family business with a combined 20 years experience in confectionery.
In 2013, a decision was made to open an import company that not only bought across delicious American Candy and Sodas but also started a sweet quest to find other glorious global treats that we have been missing out on for TOO long.
So, with bated breath and more excitement than a chocolate covered Christmas, we received our first shipment from the States, containing wonderful creations such as Butterfinger, Reeces' tasty cousins, Nerds, Twix Peanut Butter, M&M'S flavours not seen on these shores, Tootsie Rolls, Jolly Ranchers.
As you can imagine these have been welcomed with open arms… and mouths… and the people want more, more, MORE!!!
Seeing both the success and the joy of what the American market can achieve, this has propelled us into the Swiss market, sourcing the much loved and desired Jack Daniels Chocolate Liqueurs, an absolute triumph of a combination.


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The TPB gained a new member jurisdiction in May as the City of Laurel, in Prince George's County, Maryland, officially joined both the Metropolitan Washington Council of Governments (COG) and the TPB. Laurel was already technically part of the TPB's planning area as part of Prince George's County but now has its own vote on the board as well as as representatives on the TPB's numerous committees and subcommittees. That means that the city will be able to take part in the regional transportation planning process which, among other things, involves developing the region's long-range transportation plan and short-range Transportation Improvement Program (TIP).
Membership on the TPB will also provide Laurel with benefits beyond being part of the regional planning process. The city will now have more direct access to TPB data and analysis, including data on regional traffic and travel trends. It will also be eligible to apply for free technical assistance under the TPB's Transportation/Land-Use Connections (TLC) Program, get capital funding for bicycle and pedestrian projects through the Transportation Alternatives Program, or get grants for initiatives aimed at enhancing mobility for older adults and persons with disabilities. Laurel has always had access to these programs through Prince George's County, but will now be eligible to apply for these programs on its own behalf.
The City of Laurel is located in northern Prince George's County between the District of Columbia and Baltimore. Laurel is home to more than 25,000 residents and more than 1,000 businesses. The city joined COG and TPB because it saw the value in coordinating with other jurisdictions in the region and understanding and better connecting with the region as a whole.
Laurel enjoys numerous multimodal connections to the rest of the region. The city has a stop on MARC's Camden Line and is served by Central Maryland Regional Transportation Agency buses and Metrobuses. It is also home to bike trails and is located near I-95.
It's been a few years since the last time the TPB expanded its membership. In 2014, the TPB added Fauquier County, Virginia, as a new member, after a small portion of the county was added to the TPB's official planning area following the 2010 Census. In all, the TPB has 44 members representing 23 jurisdictions and numerous other local, state, regional, and federal agencies.
Read more about Laurel joining COG in this Q & A with Mayor Craig A. Moe


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Product Notice
GDH-PQQ enzyme-based meter systems are known to have the potential for inaccurate results due to interference. Trividia Health has discontinued the TRUE2go Blood Glucose Meters in the United States and US Territories due to this potential for inaccurate results. Please refer to the link below for Important Safety Information regarding this product.
Click here for information on contacting customer care. You will also find information product troubleshooting and videos, as well as printing log booklets and ordering control solution.


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We received tons of brand spankin' new + beautiful merchandise - some of our favorite textiles and color combinations to date. Pinks, blues, vintage batiks, pastel shag rugs and pastel turkish towels, oh my! The holidays are only a few months away and we've got you covered. Get started stocking up as our quantities are always limited.
Shop the new collection: www.studiomatsalla.com/SHOP
Have you followed our new Instagram for the shop? We introduced The Studio Matsalla Supply last week and would love for you to follow along.
xo, Vanessa


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Bamber Bridge assistant boss Neil Reynolds called on the Brig players to up their game or risk losing their shirt.
Brig are still yet to win a NPL First Division North league game this season and are 14 points off leaders Northwich Victoria in 18th place.
And Renno says boss Neil Crowe is set to make changes for tonight's game against Trafford at the Sir Tom Finney Stadium after Brig's 'lack lustre' second half performance in the 1-1 draw with Farsley Celtic on Saturday.
He said: "I'm disappointed. To be honest we felt a bit let down on Saturday.
"It came on the back of a good win in the FA Cup and for whatever reason it was a lack lustre performance.
"We didn't come out in the second half. The lads have realised they have under performed.
"If we want to go where we want to go in the league we can't play like that.
"We have practically got our whole squad back so competition for places is going to hot up.
"The lads can't put in a bad performance and expect to keep their shirt.
"I'd like to apologise that we didn't put in the right performance for the fans on Saturday but we are hoping to bounce back tonight."
After the game against Trafford Crowe's men will attempt to reach the next round of the FA Cup when they travel to Goole FC.
Crowe said he was equally unhappy with his side's performance against Celtic but hopes the cup can prove a welcome distraction to their current league form.
The Brig boss also revealed former PNE striker Brett Ormerod is close to a return to the starting XI.
He said: ""It is a game I thought we should have won but we did not do enough to win the game.
"We are creating chances, just not finishing them, we just can't buy a win at the moment. Brett is 50/50 for tonight. Every team wants a good run in the FA Cup and we are hoping for one."


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You may remember the case of a Christian couple from upstate New York who refused to host a gay marriage on their farm, which they often rented out as a wedding venue...For that decision to decline a same-sex couple their wishes...Judge Karen Peters ordered Liberty Ridge's owners, Cynthia and Robert Gifford, to shell out $13,000 in fines.
"The Giffords are free to adhere to and profess their religious beliefs that same-sex couples should not marry, but they must permit same-sex couples to marry on the premises if they choose to allow opposite-sex couples to do so," the judge wrote in her decision.
In accordance with that, they now have a disclaimer that reads:"At Liberty Ridge Farm, our deeply held religious belief is that marriage is the union of one man and one woman, and the Farm is operated with the purpose of strengthening and promoting marriage. In furtherance of this purpose and to honor and promote our moral and religious beliefs, we donate a portion of our business proceeds to organizations that promote strong marriages, such as the Family Research Council."
This Christian-Owned Wedding Venue May Have Just Solved the Gay Marriage Dilemma
Liberty Ridge Gives Back to Strengthen Marriages


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This is where the hammer met the homework and all of the busy words were created, where we defined ourselves for the suits and tried to learn a little something. Under Hunter S. Thompson's picture, at this dim desk, with New York City rumbling by, our pitch was perfected. Hot damn!
©2019 Hand + Foot | Drinks and Food in Corning, NY.


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By Kathy A. Weckwerth
I have a slight problem. Perhaps you have the same one. I don't live in today. I worry about tomorrow and I fret about yesterday. I don't live in today.
I guess I realized this dilemma was getting more serious when the chilling winds of November arrived earlier than expected as the last weekend of October had the weatherman predicting snow and the leaves were flipping to and fro, hitting the ground in a frenzy.
Knowing I had Bible study at the little church and because I didn't want to be cold, I grabbed a long sleeve tshirt, through on a pair of jeans and my warm wooly socks and got ready to leave. But a penetrating cold seared through to my bones. I couldn't shake the chill.
And there it was … on the top shelf of my closet … a beautiful, brand new, expensive, beautiful sweater from the store Chico's. Farmer Dean had blessed me with a little spending excursion as I got to pick out a few fun things for my birthday.
But you see I can't wear that sweater because it's for the future. I might need it for a speaking engagement or for some big family celebration. I might need to wear it for a photo shoot or a friend's baby's baptism. I can't wear it. It's for the future.
The future comes and then I wait for another batch of the future because I can't wear the sweater. It's new. I might need it.
It doesn't stop with the clothes, no. I have my grandmother's beautiful Johnson Brother's Friendly Village china. It's displayed in a lovely fashion inside a beautiful old cabinet in my family room. I might need it in the future for a family get-together. But when the family gets together, I forget, or I think, no … it might get broken.
You see, I'm not living in the today. I'm living in the future. And when I look at the past, yep, I wouldn't mind stepping back in time to be there in my old 1940's Ford sedan, wearing my hat and gloves and worrying about what's for dinner. But I have a tough time using things right now. What if I need them?
What if the sweater never gets worn? What if the dishes never get used? What if that something never happens.
So today I decided to wear the sweater. Down it came from the highest shelf next to Farmer Dean's extra jeans and tshirts. Clip, clip, went the pricetags. And I slipped it over my head only to exclaim to myself how great it looked and how yummy it felt.
I'm grabbing my favorite Audrey Hepburn movie, wearing my new sweater, and pouring myself a cup of coffee from Grandma's coffee pot into Grandma's beautiful dishes. After all, she used them every day for years and years!
It's time for us to stop worrying about saving things for tomorrow. Tomorrow will be another today … I'm living in the today.
Well, it just fits better.