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dessert gluten fre halloween pie vegan
Spooky Tart RECIPE VIDEO for Halloween (Chocolate tart with caramel web, gf vegan)5:04 PM
What are you up to for Halloween? This year I think I'll be going to a costume party. Any outfit suggestions? Whatever I en...
What are you up to for Halloween?
This year I think I'll be going to a costume party. Any outfit suggestions?
Whatever I end up wearing I'll likely be bringing this delicious Spooky Tart. A double chocolate tart with a butternut squash caramel "web" topping! You'd never suspect it was vegan and gluten free.
The tart should look familiar. Its very similar to my last recipe for a Harvest Chocolate Tart with a few key changes like the addition of a creamy Butternut Caramel drizzle. Its the perfect Halloween treat in my mind -- chocolatey, caramely and pleasing to the eye. This is a pie that's hard to resist -- unlike so many Halloween recipes out there that look pretty disgusting to me -- 'no, I'll skip the eye ball pie, thanks. Ditto on the bloody pudding.'
If you have kids, this pie may be the healthiest thing you can convince them to eat this week! It hides about 6 cups (6 WHOLE CUPS!) of butternut squash! The crust is made primarily of whole grain brown rice flour as well. Yes, there is chocolate involved, but in my mind the good outweighs the bad and its Halloween!
Make this pie for your friends, your kids, your enemies or just yourself.
Oh ya! I made a video for you to see how I make it. Check it out, recipe follows as well.
- 1 1/3 - 1 1/2 cups brown rice flour
- 1.5 tsp baking powder
- 5-6 tbsp coconut sugar
- 4-5 tbsp solid coconut oil
- Pinch pink salt
- 3-4 tbsp raw cacao powder
Preheat oven to 350F. Add all the crust ingredients (Only add 1 1/3 cup of brown rice flour and 3 tbsp of cacao powder at first) to a food processor and pulse until a crumbly mixture forms. Pulse in the cold water (a little splash at a time) until a semi firm but not very dry dough forms (should feel similar to play-dough and have a slight sheen). If your dough gets too wet, add extra flour and cacao and pulse again to incorporate. Taste and add extra sugar if desired and pulse a few times again to incorporate it. Press the dough into a 9-10" non stick shortcrust tart shell by hand. Prick all over with a fork and bake in the center of the oven (350F) until crisp. Cool to room temperature on stove-top while you prepare the filling.
- 4 cups butternut squash, cubed and steamed until tender
- 3 tbsp coconut oil
- 4 tbsp vegan chocolate chips
- 5 tbsp coconut cream (skimmed from can of coconut milk)
- 3 tbsp maple syrup
- Pinch of salt (not too little as it really brings out the chocolate flavor)
- 1 tsp vanilla extract
- 1 tsp raw honey OR brown rice syrup (to keep it vegan)
- 2 tbsp raw cacao powder
- Stevia to taste
Once filling is blended and smooth and sweetened to your taste, scrape filling out of processor into the middle of your cool tart shell. Spread out evenly to the sides. Chill in freezer to set firm then store in the fridge to keep firm but sliceable. Slice and serve.
- 1 1/3 cups squash for caramel
- 1/3 cup pitted medjool dates (soaked a few minutes in 1/3 cup boiling water)
- Pinch salt
- Pinch of Cinnamon
- 1 tbsp coconut oil
- 1 tsp vanilla extract
Discard the date water. Add everything to food processor and puree until smooth. Add some boiling water (about 1/3 cup) slowly while you blend. Once smooth, blend in:
- 3tbsp coconut milk or coconut cream
- 3 tbsp liquid sweetener (maple or rice syrup or coconut nectar)
- Pinch of stevia
- 1 beta carotene capsule or dash of turmeric powder (for orange hue)


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"Remember likewise, that they are a very subtle vermin, for if they in the least suspect what you are about, you cannot catch them... set your great cage out of the way at some distance that the other Rats may not hear them squeak, for that will baulk your sport and occasion them to run away."
Robert Smith, The Universal Directory for Taking Alive and Destroying Rats (1768)Dealing with an infestation of subtle vermin? Robert Smith offers a "method hitherto unattempted," in which you lure the little beasts into what looks like an exciting rat funhouse. Some assembly required.

subset: commoncrawl


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Site Fabrication and Design Shop
Currently working on designs for a series of children's libraries for BOOKS FOR KIDS. Design work includes 3-D Sketch up modeling, Auto-CAD drafting and Photoshop graphics package. Items designed include custom furniture and interior graphics.
For more on the BOOKS FOR KIDS program, visit their website at www.booksforkids.org/


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DUBAI Young Arabs view Islamic State as the biggest challenge facing their region and some blame poor job opportunities for the rise of the militant group, according to a survey published on Tuesday.
Islamic State has declared a "caliphate" over swathes of Iraq and Syria it occupies, has established branches in conflict-ridden Libya and Yemen and has also carried out a series of deadly attacks in western Europe and Arab Gulf states.
The annual survey of people in the 18-24 age bracket across 16 Arab countries showed half of the respondents saw Islamic State as the biggest challenge for the region, up from 37 percent in the 2015 poll and well above other issues such as the Israeli-Palestinian conflict and lack of democracy.
Asked if they could imagine supporting Islamic State - also known by its Arabic acronym Daesh - if it used less violence, 78 percent of respondents said they could not, while 13 percent said they could and nine percent said they did not know.
Almost a quarter of respondents blamed high unemployment among young Arabs for Islamic State's success. The Arab world has long been blighted by corruption, wars and political stagnation and has struggled to create jobs for its fast-growing younger population.
Hassan Hassan, an analyst cited in the survey, said the region's economic malaise had clearly helped Islamic State.
"Many people in the region may reject Daesh due to its extreme tactics, but the issue remains that the group exploits existing problems," he said.
"It did not simply invent the problems the responders identified as factors. Daesh, put another way, is a symptom of a growing disease that needs to be tackled, and not just the disease itself."
Respondents also cited as reasons for Islamic State's advances the group's belief that its interpretation of Islam is superior to others as well as the confrontation between the Sunni and Shi'ite traditions. Islamic State adheres to a hardline version of Sunni Islam and regards Shi'ites and other Muslims who reject its stance as apostates deserving death.
The survey was based on 3,500 face-to-face interviews carried out by Dubai-based public relations firm ASDA'A Burson-Marsteller in countries ranging from Morocco and Egypt to Jordan and Saudi Arabia.
(Reporting By Noah Browning; Editing by Gareth Jones)
This story has not been edited by Firstpost staff and is generated by auto-feed.
Firstpost is now on WhatsApp. For the latest analysis, commentary and news updates, sign up for our WhatsApp services. Just go to Firstpost.com/Whatsapp and hit the Subscribe button.
Updated Date: Apr 13, 2016 01:30:14 IST


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Oil prices ended lower on Friday following steep losses in stocks on mixed unemployment data but posted their second consecutive weekly gain.
West Texas Intermediate Futures ended 75 cents or 1.5% lower at $46.01 a barrel on the New York Mercantile Exchange rising 1.5% for the week.
Brent Futures, the global benchmark, slipped $1.07 or 2.1% to $49.61 a barrel on the London based ICE Futures Exchange losing 0.9% for the week.
"Oil has been locked in with the equity market for the last couple of days, so there's likely to be further pressured here," Tariq Zahir, managing member of Tyche Capital Advisors, told the Wall Street Journal.
The prices turned steeply lower in morning data after monthly unemployment data by the Department of Labor showed that nonfarm payrolls had grown less than expected in the month of August and a decline in the unemployment rate for the same period.
The data was expected by most analysts to give a clear indication on the timing of the Federal Reserve's first interest rate hike in more than a decade ahead of the Fed's two day policy meeting later this month.
Losses were however pared by a report by oilfield services provider Baker Hughes who showed a decline in the number of oil rigs for the first time in seven weeks.
The number of oil rigs in the US fell by 13 last week as the latest round of cutbacks by oil firms following multi year low oil prices started to gain traction.
The decline brings the total number of active rigs at the end of the week ending on September 4 to 662, the lowest since mid July.
Most analysts however expect oil prices to remain at their low levels for longer with analysts at banks, Barclays, Commmerzbank and BNP Paribas cutting their short term forecast for oil prices.
" Oversupply will remain in the market for longer than expected," Carsten Fritsch, Commerzbank senior oil and commodities analyst, told Reuters Global Oil Forum after announcing the reduction.
To contact the reporter of the story: Samuel Rae at email@example.com


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Gary Dunaway has worn many hats in his 70 years on the planet. He's been an educator, a counselor, and a picture framer.
He's even raised exotic chickens, dabbled in poetry and raised two children.
But his life's love is art, and that's what led the 10-year Golden Valley resident to open Gary D's Gallery of Fine Arts and Photography last month.
His breadth of experience explains why, when asked if he's always been an artist, he said, "Off and on, yes and no.
"I started painting in '67," he said. He opened his first gallery in Douglas, and then Waldport, Ore., and then a couple of more in Joshua Tree and Palm Desert, both in California.
He taught art and his paintings, drawings and photography have sold throughout the U.S., he said.
To help pay the bills, Dunaway spent a career as a speech and language pathologist, working primarily with special education students.
After moving from Oregon to Golden Valley, he began another career as a counselor for Mohave Mental Health until December 2011.
The desire to open another gallery never really went away and retirement, he said, allowed him to put that goal on the front burner.
"The gallery is a work in progress," he said. "And it always will be, I think."
The vast majority of artwork is his, and he's not yet prepared to exhibit other artists' works. He does sell turquoise jewelry and items such as vases, fossils and other artifacts on consignment.
Some of Dunaway's photographs are set on canvas and have the texture of a painting. His colored pencil drawings show amazing depth and he even has on display a poem or two he's written.
Dunaway admits he sometimes develops an emotional attachment to his artwork, but he also is honest about what it all means. "Some of my art I love," he said, "and some of it is just junk."
His art shows a love for the diversity of the desert.
"I think I'm enamored with the entire area," he said. "I have been for years. I find the desert delightful. People who say it's just a desert, I think they miss the beauty."
Gary D's is somewhat a family business. His son, Jeremy Dunaway, is a talented picture framer, as was his father.
Folks who have a favorite painting in need of a frame and mat to do it justice can contract with Dunaway to get the work done.
And while Dunaway opened the gallery as a business venture - "you always hope to turn a profit" - he encourages residents throughout Mohave County to stop by and visit.
Just don't carry any food or drinks inside, "Unless you're bringing it for me," he said. Apparently, Dunaway remains a starving artist.
Gary D's Gallery is located at 3659 W. Highway 68, Suite 7, right next to the Outpost convenience market in Golden Valley.
The gallery is open from 10 a.m. to 5:30 p.m. Wednesday through Sunday and is closed Monday and Tuesday.
For more information, contact him during business hours at (928) 279-4171.


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I liked our night stand lamps as they were but the room needed more volume.
I chose to spiral the ruffles up the lamp shade as oppose to cutting individual strips. I slightly overlapped the ruffles at the back of the lamp shade and worked my way up.
See how they fluff up the room a bit?
What's that? You are loving my driftwood sunburst? Me too.
That's it for the Master Bedroom for now. I have a couple of artwork projects on my to-do list for the North and South walls so keep a look out for more Master Bedroom crafts.


text: "The subtle energy of your food becomes your mind." This phrase from the Upanishads has been a guiding principle for David Wolfe, one of the world's top authorities on natural health and beauty, longevity, raw-living foods, superfoods, superherbs, and chocolate. Here he describes how we're living in the best of times and the worst of times in history for diet and food. It's up to us to choose wisely.


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Ahoy Ahoy!
I'm so excited I finally get to share my craft room with you all. Its my very special happy place. I spend many a lost hour here among my treasures, nik naks, fabric stash, endless supplies and notions, draws and tins full of goodies and Leela my sewing machine.
|Craft book and my pet sheep.
|The cutting table/storage, here I can keep all my stash and made up item tidy.
|Grand view, hubby built this all for the craft room. Its the perfect work space.
|I love to keep all the business cards I get.
|Mushroom corner & Ponyo.
|Pom poms and other assorted goodies.
|My small beaker collection for pencils, pens and what nots.
|The peg board made by my hubby, a very useful place to hang pretty stuff.
|All the shelves are decorated with my treasures.
|Leela, she's a beauty.
You can see more pictures of my craft room here on my Flickr. It's feel so good to share this with you all.
I hope you like it :D


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Station within Harrow will get easy access
December 21, 2016 by Lyndon
Harrow-on-the-Hill underground station will soon receive step-free access.
It has been announced that considerable investment will be made available to improve Harrow-on-the-Hill underground station. A portion of £200 million has been allocated to make access to the station step-free. Residents in the area could be made aware of local transport improvements via booklet printing in Ruislip Manor.
Navin Shah, who represents Harrow and Brent in the London Assembly, stated:
"Local residents and community groups such as Harrow Association of Disabled People, Harrow Mencap and Age UK-Harrow have been campaigning to improve accessibility at this station for at least 10 years."
Shah added that the investment should be positive for people with disabilities. He also said that individuals with prams could find it easier to use the station in the future.
Furthermore, Shah expressed his gratitude to everyone that participated in the drive to obtain step-free access. In particular, he thanked local politicians for their role in achieving progress that could boost regeneration in the neighbourhood.
Sadiq Khan, the current Mayor of London, has lent his support to promoting accessibility to the network. He has suggested that the elderly and those with disabilities should have the chance to use the stations in the same way as other Londoners. His commitment to making improvements to the transport infrastructure of the city has been welcomed by Shah.


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I had never heard of a Kolache before I moved to Texas about 7 years ago but, apparently, a lot of Czech immigrants ended up in Texas and started selling these little pillows of amazingness. They have really caught on here and there are several Kolache bakeries in my town. Though they originated mainly as a dessert, stuffing bbq into them was really just a matter of time here in Texas.
We are preparing to move away from this area and, sadly, that means my love affair with the kolache drive through right by my house will come to an abrupt end. I have until the move to both eat as many as possible as well as learn to actually make the dough. Its unlike most savory breads I've had as it is super soft and pillowy and also sweet.
This is my first try and I'm going with the Kolache Recipe from King Arthur Flour, my usual standby for great bread recipes. The dough came together easily and was easy to work with.
You prep it the night before and allow it to rise in the fridge, so this recipe does require a little planning but I threw the dough together in a few minutes before we headed to bed, so its a minimal issue.
The next day, the dough had risen a little and was ready to divide into equal-ish sizes. I rolled each into a small tortilla sized circle and piled on the stuffing. I went with bacon and cheese, since it is my personal favorite.
I gathered the edges up, smooshed them together and then inverted it so the seam was on the bottom.
The kolaches around here have the amazing buttery quality to them, so I took an extra step and brushed them with melted butter once about 2/3 of the way through baking and then again right when I pulled them out of the oven.
I was really pleased with how close these looked to the kolaches we buy at the bakery.
The final result was close to great. I need to roll the dough a little thinner on the edges so there isn't quite so much bread at the seam. Also, more fillings! The cheese really shrinks down so stuffing them with more will result in the nicely filled kolache from the bakery.
Other stuffing ideas:
–bacon and cheese
–cheese and jalepeno
–bbq beef
–leftover meats? brisket? Chicken?
–pizza toppings!


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The July 2008 alert includes two articles that deal with the esoteric subject of securities lending by retirement plans. For those of you that are unfamiliar with securities lending, generally borrowers, such as hedge funds, use the borrowed shares for short selling purposes. While securities lending is commonplace it is more controversial today than ever due to concerns regarding the impact of short sellers upon the financial markets. The first article concludes that pensions and funds would be challenged (due to a lack of transparency) to fully understand the details of the lending agreements they have entered into or the fees borrowers are paying intermediaries (such as prime brokers) to borrow plan securities. The second article, by the CEO of OneChicago LLC, discusses use of single stock futures to accomplish the same economic result as securities lending, without many of the risks.
Securities Lending By Pensions: An Emerging Duty of Best Execution in Securities Lending? Conclusion The threshold question fiduciaries of retirement plans should consider is whether these plans as owners of securities should lend their shares to hedge funds and others for short selling purposes, incurring the risk that such shorting may cause the price of the portfolio securities to fall, default and other risks. Assuming plan fiduciaries determine that participation in lending programs may be worthwhile, despite the risks, then it is incumbent upon them to ensure that the owners are adequately compensated for the lendings. This requires not only a thorough understanding of the risks involved, but also the fees borrowers pay. Fiduciaries have a duty to maximize returns related to all plan assets, including securities involved in lending programs. We believe the parties owning the assets should receive the lion's share of the returns related to the lendings.
Our conclusion is that pensions and funds would be challenged (due to lack of transparency) to fully understand (1) the financial details of the lending agreements they have entered into (i.e., how much they are paying intermediaries); and (2) the fees the ultimate borrowers are paying to borrow their securities (i.e., market rates for borrowing). Few funds have the sophistication required for item (1) above and there is no readily accessible source for determining market rates for borrowing specific securities required for item (2). Consequently, the fiduciaries to these plans are incapable of determining whether the owners are being adequately compensated for lending portfolio securities. Disclosure by retirement plans of the details related to securities lending, including any discussion that lending to short sellers may contribute to a decline in the values of portfolio securities; the terms of the revenue split with any lending agent; conflicts of interest related to use of affiliated agents and information related to the market prices for borrowers pay, is absent. The beneficiaries of this lack of effective oversight of lending programs or lack of "best execution" in securities lending are the lending agents and prime brokers. Our conclusion is that the lending agents and prime brokers receive the majority of the revenues related to securities lending. The owners of the securities that are on loan appear to receive less than a quarter of the lending revenues. Analysis of the actual percentages of lending revenues received by securities owners may reveal that certain lending arrangements are even more disadvantageous to securities owners. Discussion Retirement plans do not generally lend their securities directly to the parties who are the ultimate borrowers of their securities, e.g., hedge funds. Some of the largest retirement plans and hedge funds may attempt to deal directly and thereby realize savings but this is rare. The argument in support of use of intermediaries, such as lending agents and prime brokers, is that they provide important services, such as review of creditworthiness of borrowers that justify their (huge) fees. Generally plans lend their securities through a lending agent. Often the lending agent is affiliated with the custodian of the plan's assets. All the major custodians have affiliated lending agents as lending revenue can significantly enhance the profitability of a bank's relationship with a plan. The custodian offers or recommends the lending program as an additional service to its custody clients which will supplement the income clients derive from plan assets. A conflict of interest exists related to this recommendation by a party (the custodian) that has a pre-existing fiduciary relationship with the plan because the lending program will also supplement the custodian's income. There may not be adequate disclosure of the various risks and rewards related to lending. Clearly attention would not be drawn to the disparity between the fees borrowers pay and the fees lenders receive (described more fully below). Further, other lending agents not affiliated with the custodian may not be considered, even though they may offer more favorable lending terms or opportunities. When the SEC allows mutual funds to lend through affiliated lending agents (which is common), the exemptive relief the Commission grants provides that the arrangement with the affiliate must be as favorable as with an unaffiliated lending agent. Yet the exemptive relief appears to leave room for fund boards to determine that using a higher cost affiliated lending agent may be in the best interests of the fund if other benefits are present to the fund. A recent Commission sweep examination of the lending practices of affiliated agents apparently found rampant abuses. The results of this sweep examination (i.e., the nature of violations uncovered) were discussed by Commission officials with the mutual fund industry at industry events, however, in what is emerging as a disturbing standard SEC practice, mutual fund investors were not advised that they had been harmed. There are two main duties of the lending agent, in addition to scrutinizing the creditworthiness of the borrower and operational details. First, the agent is responsible for generating the highest possible investment return on the collateral related to the lending deposited by the borrower, which is required to be reinvested during the term of the loan. (The borrower must provide the lender with collateral with a value of at least 105% of the securities lent.) Second, the lending agent is responsible for negotiating the most favorable rebate rate to the lender. (Of course, it's up to the retirement plans to negotiate the most favorable lending split with the lending agent. Where the lending agent is an affiliate of the custodian arguably the custodian or lending affiliate may have a special (fiduciary) duty, based upon the pre-existing relationship, to advise the retirement plan of prevailing lending splits between lenders and agents.) At the outset of the loan, the borrower provides the lending agent with the collateral and the plan (through its lending agent) enters into an agreement as to the amount of interest on the collateral that will be rebated on the specific loan. The lending agent then invests the collateral in the highest yielding instruments permitted in his agreement with the lender. Thus, if the Fed Funds rate is 5.25, the lending agent may choose to instead invest the collateral in commercial paper earning 5.30, to provide additional income to the lender. (It is common, despite the limited range of investments generally permitted for collateral reinvestment, to earn a rate of return 5-7 basis points above the Fed Funds rate.) The rebate rates are set daily, regardless of the duration of the loan. If, for any reason (such as the temporary spike in Fed Funds rates), the interest on the collateral promised to the borrower (the rebate) exceeds the interest earned on the collateral, the lender may actually experience a loss on the loan. In such a situation, it is often industry custom for the lending agent to reimburse the lender for the loss but this is not required. Larger retirement plans indicate that they do experience losses on specific loans and are not reimbursed by their agents- probably because they don't ask. (Since the lending agent may earn an investment management fee related to investing the collateral (as discussed below), it seems reasonable to ask the agent to compensate the pension in those few instances where a loss results from a loan.) Custodians and other lending agents have pooled funds for investing lending collateral and may each offer a more conservative and a more aggressive pooled fund for their lending clients to choose from. The lending agent generally then rebates to the borrower, the agreed upon interest on the collateral and the lender and retirement plan keeps a portion. If, in the example above, the collateral earns 5.30, perhaps 4.75 would be rebated to the borrower and the cost to the borrower is .50, while the lender and his agent share .55. The lending agent and the retirement plan share in the lending revenue (after rebate to borrower) according to the percentage split in the agreement between them. Retirement plan officials at best are aware of the percentage split they have with their lending agents and are not familiar with any of the additional charges described below. Today, typical splits between lenders and agents range from 70/30 to 85/15. Years ago a typical lending split was 50/50 and many retirement plans have failed to renegotiate their percentage shares upwards. Other plans have renegotiated but still are not operating at competitive percentage splits. However, there are additional charges that apply prior to the split that reduce the amount paid to the pension. For example, the lending agent may be paid an investment management fee for investing the collateral of 2-5 basis points and custody and other expenses may amount to another basis point. Thus, 6 basis points may be paid to the lending agent before the split between lender and agent is applied. For example, if the lending fee is 20 basis points (after rebates to the borrower) and the revenue split between the pension and the lending agent is 50/50, the lending agent would receive 6 basis points for investment management and other expenses and then 7 of the remaining 14 basis points, for a total of 13 basis points. The lender would receive 7 basis points. The lending agent receives 65% and the lender receives 35%, assuming these additional charges apply. The retirement plan is, as a result of these incidental charges (that are also presumably subject to negotiation), receiving substantially less of a percentage of the lending revenue than it believes. It is common for pensions to lack full understanding of the details of their arrangements with securities dealers, custodians and others. Often fees and charges, not reflected in the written agreements between pensions and their vendors, are deducted without disclosure to the plan. (Since securities lending by retirement plans must be undertaken pursuant to a lending agreement between the plan and lending agent, scrutiny of the agreements for any reference to such charges, as well as review of statements related to lendings is necessary to determine whether charges have been imposed - even where there is no reference to such charges in the lending agreements.) In the past when there was limited demand for securities lending, the revenue related to lending was limited to some portion of the interest on the collateral. Today, however, lending revenue can be exponentially greater than the interest on the collateral. In other words, the lender may not rebate any of the interest on the collateral; rather the borrower may pay substantial amounts in addition to the total interest on the collateral. For example, an additional 45% interest (annualized) is possible for certain hard-to-locate securities. Such a borrowing rate is referred to as "neg 45," i.e., a negative rebate of 45%, in addition to the interest on the collateral. What are pensions and funds earning from lending their securities after payments to their lending agents? According to one lending agent, an S&P 500 large cap fund, could earn .5-4 basis points from lending its securities; a small cap fund could earn 10-100 basis points, with the majority of the Russell 2000 securities being lent at approximately 10-20 basis points; a corporate bond fund could earn .5-1.5 basis points and a high yield bond fund could earn 10-20 basis points (however, 50-500 basis points is possible); finally, an international equity fund could earn 10-20 basis points. More importantly, what are borrowers paying to borrow securities from intermediaries (who have borrowed these securities from pensions and funds)? According to one knowledgeable insider, based upon what borrowers are paying, large cap funds could be earning 15-20 basis points; small cap funds, as much as 10%; corporate bond funds 15-20 basis points and high yield bond funds, as much as 10%. (Note that both of these sources agree that large cap and corporate bonds and small cap and high yield bond rates should be comparable. Also note the huge disparity between what ultimate borrowers pay and retirement plans earn from securities lending and the amounts they could be earning today.) The president of one lending agent reluctantly acknowledged that prime brokers are capturing the greatest amount of the revenues related to securities lending, easily half. (In our initial interview, he indicated that lenders were collecting the lion's share of the revenue.) Another insider had always maintained that the prime brokers were profiting handsomely from the lack of transparency and inattention to lending by fiduciaries. Retirement plans may have exclusive lending arrangements with prime brokers through their lending agents. For example, a plan custodying its assets at bank may have an exclusive arrangement with a Wall Street brokerage whereby the brokerage pays the plan a certain number of basis points (e.g. 10 basis points) annually on a portfolio for the right to borrow all the securities. The prevailing view at retirement plans is that this is income the plans would not otherwise receive so there is no need to question what the holder of the "exclusive" is earning from the arrangement. In our opinion, such exclusives breach the fiduciary's duty to maximize return on plan assets since the fiduciary up-front agrees to a fee that bears no relationship to the lending income the exclusive agent is earning from the fund's securities. Based upon our recent conversations with the SEC, the Commission has not yet focused upon the issue of whether mutual funds receive their fair share of the lending revenue related to their securities. The Commission seems to have no idea of the magnitude of the lending rates paid by borrowers today. Commission officials are unaware that rates as high as 50% annualized are being paid by borrowers for hard-to-locate securities. Commission officials assured us that mutual funds they have examined are never receive income anywhere near the high amounts being paid by borrowers for hard to locate securities. We suspected as much and that, in summary, is the problem. -----------------------------------------------------------
Single Stock Futures: An Alternative to Securities Lending
By David Downey, CEO, OneChicago LLC Introduction Securities lending is primarily a back-office function that effectively is an over-the-counter derivative transaction. Mutual funds and pension plans (funds) lend (actually sell) assets today with an agreement that they will get the assets back at some point in the future. During the interim they will not lose economic exposure to the position and will receive additional compensation for participation in the lending. This transaction is substantially similar to an EFP (Exchange Future for Physical) transaction using Single Stock Futures (SSF) but with some very important differences: The SSF EFP is a trade on a regulated exchange. SSF trade in a competitive environment where finance rates are established by multiple market participants. Transparency in pricing. No counterparty risk as all trades are cleared through the AAA rated Options Clearing Corporation (OCC). Securities lending is currently an operations function. However, it should be viewed as a trading strategy and therefore be included in the investment manager's responsibility. There are substantial profits being ceded to intermediaries that could accrue to the funds and their clients instead. Securities Lending Overview Securities lending markets have two sides or parts. The first part is cash driven whereby institutions finance their operations by borrowing cash in return for collateral. The second part is securities driven whereby hedge funds firms employing short delta strategies such as the 130/30 are required to borrow securities prior to shorting .This activity is increasing the demand for the available supply of stock to borrow. The hedge funds look to the brokerage firm to service the request. The brokerages can meet some of the demand from their own inventory but must look to the beneficial owners (the pension and mutual funds) to satisfy the total demand. The beneficial owners make their supply of securities available by contracting with either a custodian or the brokerage firms for the wholesale distribution of all or a portion of their portfolio. For this they receive a guaranteed fee and/or a split of the reinvestment of the cash collateral the contracted party receives. The disadvantages to this arrangement are the concentration of credit risk with a sole counterparty and the ceding of potential profits to these agents. The funds can achieve the same end of providing the market with the assets they need but not have to split the profits with a third party. Funds will argue that the securities lending involves a variety of complex administrative, operational and accounting activities including credit evaluation and cash management which may be better handled by specialists in that field. Fair enough. However, with SSFs they can participate in this process and earn higher returns on the assets under their management. There are financial products that have the same economic effect as securities lending that do not involve any securities being exchanged. These are off-balance sheet transactions such as equity swaps, total return swaps and Contracts for Difference. However, unlike SSF these products still entail some counterparty risk. SSF Pricing While SSF are a derivative product, they are the simplest derivative of them all. The value can be derived by using grade school mathematics. An SSF's price is the forward value of today's stock price which is derived by multiplying today's price by the risk free rate of interest out till expiration of the future and subtracting any dividend that is paid (if any) during that time period. The formulae are as follows: For stocks that do not pay a dividend: So for a $100 stock that pays no dividend in a 2% interest rate environment the six month SSF will have a fair value of $101. If the stock paid a 20 cent dividend then the six month future would have a fair value of approximately $100.80. (Approximate only because a higher resolution fair value could be obtained by taking the present value of the future dividend stream into consideration but for simplicity deducting the full value works.) Now, a trader should be ambivalent about buying the stock at $100 today or receiving the same stock at $101 (in the no dividend example) in six months in a 2% rate environment. The physical settlement of the SSF means that upon expiration the fund holding the long SSF will receive the CUSIP as the future expires and the party holding the short SSF will be required to deliver. One of the most fascinating aspects of the SSF is that unlike all other futures products where the positions are offset prior to expiration more than 95% of the SSF positions traded on OneChicago actually make or take delivery upon expiration. So for funds who invest by buying and holding there is no difference in the two transactions of either buying today at one price or buying a SSF for delivery of the underlying at expiration except for the fact that they may be able to purchase the SSF at a lower net cost and therefore reduce the price they actually pay for the resulting position. Pricing of the EFP An Exchange Futures for Physical (EFP) trade allows for the substitution of a long or short stock position for a long or short SSF position. EFPs allow one to decrease finance charges for long stock positions or increase the interest received on short stock positions. That is because the interest rate built into the price of an SSF and hence its EFP is competitively determined by numerous market participants rather than by a single broker who can set less advantageous margin loan and stock borrow rates. Accordingly EFP's can be used as a synthetic stock loan transaction as funds can offer their long stock out in return for a SSF that will expire back into long stock at expiration but with returns that are greater than those currently being received for lending the stock to an intermediary. An EFP is a combination order to sell (buy) an amount of stock and simultaneously buy (sell) a proportionate number of SSFs. Taking a long position in the EFP involves buying the SSF and selling the underlying stock. The stock position becomes flat due to the sale of the existing long stock position and the position now holds a SSF with the same economic exposure. The EFP is priced in interest rates as there is no underlying price risk since the stock and the SSF are equivalents but does involve interest rate risks as the two parties are simply engaging in a loan as they switch positions. Selling the EFP has the opposite positioning as the SSF is sold and the underlying is purchased. Hedge funds and other short sellers who are currently short and paying for the privilege would be able to lower their costs of financing this position by executing an EFP at a much more favorable rate without changing their economic position vis-�-vis the stock moves. Both parties will have the added benefit of removing their current positions from their balance sheets without changing their market position as SSF are off-balance sheet items. Summary Securities lending is where buyers and sellers meet to exchange an asset for a short term in return for basis points of compensation. Lenders can deliver the asset to the borrowers through an SSF transaction by either purchasing outright for future delivery or pricing the EFPs in such a way to increase the basis points received for the 'loan'. Funds have a fiduciary responsibility to their participants to maximize the returns without exposing the assets to unnecessary risk. SSFs competitive trading in a transparent process without counterparty risk exposure is a viable alternative.


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Continuing from our Phi Phi Islands speed boat tour, we left Loh Samah Bay after a 30 minutes snorkeling session and headed straight to Phi Phi Don for lunch.
Koh Phi Phi Don
Covering a total area of 28 square kilometers, Phi Phi Don is the largest and only inhabited island within the Phi Phi island group. Just like most of the other islands in the group, Phi Phi Don is also enclosed by limestone cliffs, offering some of the most amazing scenery in the world.
Phi Phi Don is made up of two elongated islands joined together by a narrow isthmus. Most activities are concentrated on the bay found on either side of the isthmus. You will find Ao Ton Sai (also known as Ton Sai Bay) on the south and Ao Lo Dalum (also known as Loh Dalum Bay) on the north.
Ton Sai Pier
Our boat docked at a shore near to the Ton Sai pier, in a bay that would be far more stunning if there were no ferries and long-tailed boats lining it from one end to another. Ton Sai pier is the main and only pier of the island, thus it is busy with ferries arriving from Phuket, Krabi and Lanta. However, once the last ferry departs from the island at 2.30 pm in the afternoon, the atmosphere returns to its calm and quiet state.
The island has a small town known as Ton Sai village. The vast majority of shops in Phi Don is concentrated in, offering clothes, jewellery local souvenirs and a variety of accommodation options.
The village is spread between Ton Sai and Lo Dalum beach. Day time on Phi Phi Don is busy with day trippers arriving and departing the island.
We had our lunch served at Blue Marine Restaurant owned by Phi Phi Princess Hotel. The restaurant is located on the beachfront of Loh Dalum Beach, about 10 minutes walk away from Ton Sai pier.
Our lunch menu for the day consisted a mix of Thai and Western cuisines. The food served to us was delicious and fulfilling, but I did not managed to eat much even though I was starving. Instead, I separated my lunch and ate in smaller portions to avoid sea sickness.
Toilet can be found at the back of the restaurant that features the giant canopy shade, but you would be expected to pay a small fee to in order use the facilities.
Famed as one of the most beautiful beaches in Phi Phi Islands, Loh Dalum beach is a 1 km long bay that is almost entirely enclosed by limestone cliffs, forming a spectacular view.
The beach has soft, powdery white sands that extends into very shallow waters. It is so shallow that you can walk out hundred of meters into the sea and still be waist-deep in the waters. Thus, it is perfectly safe for kids to play and have fun while the adults can kick back with a cold drink.
In addition to that, the water at Loh Dalum Beach is also extremely calm and soothing. There are no waves and the water is warm, making it even more ideal for small children to swim around without adult supervision.
Lined along the beach are numerous hotels and resorts, restaurants, bars and umbrella with beach chairs for rent. Unlike Ao Nang beach or Maya Bay, there are actually plenty of activities you can do on this beach.
For people who love motorized water recreation, you can either choose to do wake boarding, banana-boat ride or parasailing, which is extremely popular due to the amazing view which the Bay offers.
The flat and calm water in Loh Dalum beach makes it ideal for kayaking and I believe there would be so much interesting to explore in the bay. Unfortunately, we did not have enough time for that due to limited amount of time we had on the island. But for those who managed to do some kayaking, do not forget to apply a generous amount of sunscreen lotion to protect your skin against sunburn and damages.
For those who are not a fan of water recreation or the sun, you might want to rent and enjoy relaxing in a comfortable beach chair under the shade of an umbrella. Alternatively. you could also put your own towels or beach mats down on the sands, lie down and soak up some sun.
However, just like any other well-known beaches in Phi Phi islands, Loh Dalum beach is always busy and noisy at any time of the year. It is a place for beach parties where pubs and bars blast loud music from evening to dawn. So if you are stay near to the beach, be prepared not to sleep every night.
For people who prefer peace and tranquility, you might want to stay further away from Ton Sai or Loh Dalum Bay. For that, I would recommend areas around the Long Beach or Laem Tong beach (also known as Palm beach).
As much as we wanted to explore beyond Loh Dalum Bay, we did not managed to since we were only given only an hour and a half (including lunch time) to spend on Phi Phi Don. If there is a chance, we would definitely love to visit Phi Phi Don once again in the future.
Hin Klang
Located about 2 km offshore away from Phi Phi Don is Hin Klang. Due to its crystal clear water, colorful reef and abundance of marine life, Hin Klang is known to be one of the best snorkeling site of Phi Phi islands.
After a 30 minutes snorkeling session, we left Hin Klang and headed off to the last stop for our our Phi Phi island tour - the Bamboo island.
Bamboo Island
Located northeast of Phi Phi Don is Koh Mai Phai (commonly known as Bamboo island), a small pristine uninhabited island offering crystal clear turquoise blue waters and glistening white sands beach.
Unlike Maya Bay or Phi Phi Don, Bamboo island is a tiny island with a dense patch of trees surrounded by a lovely long stretch of white sands beach.
We arrived at around 2 pm in the afternoon and was surprised the beach not as crowded as the other islands in Phi Phi.
Further in, we found plenty of tall pine trees lining the beach which provided shade for its visitors.
Toilet facilities are located right at the back of the island, but you would only want to use them if you really need to.
There is a snack shack on the island that rent out beach mat for visitors to lounge and relax on the white sandy beach.
There are nothing much you can do at the beach except swimming, snorkeling, sunbathing or just laze around the soft, powdery white sands, under the shade of towering pine trees . You may even want to bring along some food and drinks and enjoy a picnic lunch on the beach. However, do not forget to bring your trash with you when you are leaving the island. It was really a very sad thing to find trash laying everywhere on the island.
It was also nice to just lay down on the sand and fall asleep under the clear blue sky.
Bamboo island is the prefect place for anyone who wish to escape from the crowded beaches of Loh Dalum or Maya Bay.
Final Thoughts
A paradise ruined and lost by over-development. Phi Phi islands, although stunning, are never peaceful at all.
The islands was once devastated by the Indian Ocean tsunami of December 2004 which nearly wiped out all of the infrastructures on the islands. Rebuilding works has, however been swift on the islands, restoring them to their former state.
Today, Phi Phi islands are crowned as one of the most strikingly beautiful islands group in the world. Overall, it was a really great island-hopping experience. To us, this was a very worthwhile trip and an experience that should not be missed.
Be sure to follow me on my Facebook or Twitter to get the latest updates on my travel adventures! Also, do not forget to share my blog posts with your family and friends if you find them helpful. In the meantime, you might also want to check My Wanderlust page for some of my other travel adventures.


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Blazer: Tesco (old), Skirt: Vintage, Shirt: Just Female Bag: Zara (sale), Belt: Vintage, Pop Socks (from a corner shop ha), Clogs: Topshop
Where is everyone? OH YEH LONDONFASHIONWEEK!!!!!!!!!!!!!!!!
I didn't go today in the end boo.... I wasn't really prepared and had no plan. Not that I'm a plan kinda gal but for something like LFW I would of preferred to be a man with a plan and I didn't make a plan so I didn't go. Get it? Next Season FO SHO...
I am however busy doing something all week that may or may not benefit me or even work. Ill just say I'm drawing, sewing and stressing a lot. I cannot say exactly what, (as much as I'd like too) in case I jinx it and it all goes tits up. Sozza i'm.such.a.tease.aint.I.


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- Rejection is the most negative force in all of creation!
- What the Spirit saith unto the churches
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- Resist the Devil – God's perfect battle plan
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- God can Heal all Unforgiveness in your Heart.
- Is it biblical to Plead the Blood of Jesus?
- Can a Christian have a demon?
- Symptoms of demonic influence or attack!
- Test the Spirits-vision and dream interpretation
- Can a Christian lose their salvation? A Biblical answer
- Examine yourself – The year of Spiritual Tribulation is upon us
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- The Word of God is clear about the coming Great Tribulation
- Mt Sinai- The Mountain of God Now Revealed
- Nuclear radiation from Fukushima, Japan threatens life in North America
- The "Blood Red Moons Tetrad" of 2014 and 2015
- Warning to all God Fearing Americans-Prepare Now
- The Gospel of Jesus Christ, with commentary by Chuck Smith
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- Contemplative prayer and New Age spirituality in the church.
- Test the Spirit-Spirit of Truth or Lies
- The "Biblical Spiritual Warfare Manual" Ebook is now available
- Hope IS Alive!
- Henry Gruver- Our visionary. A Warning to America.
- The Blood of Jesus and the Ark of the Covenant discovered-video
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- Discern the spirits. A spiritual warfare teaching.
- Final Warning-the Full Movie-enjoy
- Actual Blood of Jesus and the Ark of the Covenant discovered in Israel!
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- She invited a devil into their home! A spiritual warfare teaching.
- Spiritual Warfare-Basic teachings from The Joseph Plan
- His Grace is sufficient for you!
- Henry Gruver radio interview with The Joseph Plan. Nov 2012
- Bible Prophesy and the next great war.
- Purpose-ly Driven End Times Deception
- Babylon is Falling! The Judgements of God on the US!
- The Holy Spirit is speaking through Henry Gruver—"Come out of Her!"
- Purpose Driven Church forced them to make a big decision
- A Viper at the Door!
- Living under The Authority of Jesus Christ
- Emergency message from Henry Gruver for the United States of America
- A Call for War. Psalms 83 is coming
- "No man knows the day nor the hour". A guest teaching.
- Pastor Thomas' vision about America during these last days
- Islam Rising! A documentary featuring Walid Shoebat.
- Prayer that works. How should one pray?
- UPDATE-Is the Feast of Trumpets – Is Rosh HaShanah 2012 the beginning of…the end times?
- Will Hezbollah or Iran ignite the Psalm 83 war SOON?
- Is Fukushima one of God's Judgements on the US?
- The judgements of God on America are coming–Isaiah 9:10 prophecy!
- Pray that the rapture comes quickly. Prophesy from 1968 about today.
- Psalm 91 with commentary. A foundational teaching on God's Divine Power.
- Pray for the complete Armor of God!
- Overcome All with God Given Strength-a Bible Study
- Defending and growing in an Enduring Faith. Micheal Rood Video series.
- Convert, pay up or move! Those are their choices.
- War is Coming! It's very close. A dream
- Apostasy of the Church verses The undeniable doctrines of Christianity
- Pray for the peace of Jerusalem?
- Spiritual Warfare-Standing on the Word-An Introduction
- Fukushima – The problem may be increasing, threatening the USA.
- Archeological Video evidence of the Israelites "Crossing the Red Sea and finding Mt Sinai"-
- Ray Youngen on Contemplative Prayer
- Do you know that you know that you know you are saved? Are you sure?
- Fukushima qualifies as end times prophecy fulfillment.
- Resurrection Day bible teaching for An Enduring Faith!
- 666 is the number of his name. Right?
- Purpose Driven "Secret Church Take Over Strategy" Revealed.
- New Bible yanks 'Father,' Jesus as 'Son of God'
- The JESUS movie…free full length original film
- Does PURPOSE DRIVEN drive the seeker away from Jesus- Shocking Truth- Video
- Centering Prayer-The Biblical Perspective!
- Iran Preparing Now For Armageddon! Does It Get More Biblical Than That?
- An Enduring Faith–source code–the Bible-start in Romans 8!
- An Enduring Faith- Romans chapter 8 summary
- Love, holiness and righteousness are at the heart of building An Enduring Faith.
- Is Israel becoming that "burdemsome stone" around the neck of the US?
- Best free video on the Gospel of Jesus Christ
- The Bible is the source for an Enduring Faith
- God's Word on Hope
- Most People Believe ALL Good People Go To Heaven
- An Enduring Faith — The Game Changer
- The Year of Fear
- Are you sure where you will spend eternity!
- An Enduring Faith that will sustain and keep you safe
- America during the end times
- Are you or someone you know struggling with "the Jesus Problem"?
- Prayer of Salvation
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- The Perfect Spiritual Storm – Fall 2012
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Monthly Archives: December 2012
She invited a devil into their home! A spiritual warfare teaching.
The devil was invited in. A Spiritual Warfare teaching. A few days ago I received the following letter from Christie from Connecticut. Christie is asking for some advice as to what she can do about a predicament she and her … Continue reading
Posted in Blog, Discernment-Test the Spirits-Spirit of Truth or Error and Demonic, Spiritual Warfare Central Tagged Bible, Blog, blood of jesus, blood of jesus prayer, Christian, christian spiritual warfare, christmas,, discernment, endtimes, God, Holy Spirit, Jesus, Jesus Christ, Joseph Plan, rapture, repent of your sins, Salvation, spirit, spiritual warfare 2 Comments
Spiritual Warfare-Basic teachings from The Joseph Plan
Spiritual Warfare! Basic teachings from The Joseph Plan There are so many Christians under unnecessary demonic attack today. Christians from all parts of the world have been writing The Joseph Plan crying out for sound doctrinal teaching that is meaningful … Continue reading
Posted in An Enduring Faith, Blog, Discernment-Test the Spirits-Spirit of Truth or Error and Demonic, Prayers and biblical teachings for God's protection, Spiritual Warfare Central Tagged apastasy in the church, attack, Bible, blood of jesus, blood of jesus prayer, Christian, christians, christmas,, demonic, discernment, endtimes, in, Jesus, Joseph Plan, ministry, spiritual warfare, teaching, the Joseph plan, world 2 Comments
His Grace is sufficient for you!
God's grace is sufficient for us, and His strength is made perfect (made evident) when we are weakest or in the greatest need. In 2 Corinthians, ch 12 verses 7-10 we read: 2Co 12:7 and by the surpassing revelations, lest … Continue reading
Posted in An Enduring Faith, Blog Tagged Bible, Blog, christian spiritual warfare, christmas,, color, enduring, faith, family, grace, Jesus, joseph, please, romantimesem2co, spirit, stylefont, sufficient, times, verdanageneva Leave a comment


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My name is Annie Richards and I have been working here at SmokeFree Wisconsin since the end of October. I am a senior majoring in Communication Arts and Art History at the University of Wisconsin-Madison. I have grown to love the Midwest but after graduation I look forward to returning home to smoke-free Washington State. While interning at SmokeFree Wisconsin I have been able to indulge my passion for the community and its health and I look forward to helping readers of our blog do the same.
Thursday, January 31, 2008
Hi, I'm Annie!
Posted by Annie at 3:30 PM
1 comment:
- Liz @ SmokeFree Wisconsin said...
Welcome Annie!
- January 31, 2008 at 4:05 PM
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Earlier this year, low wage workers from two of America's most notorious bad-actors — Wal-Mart and McDonald's — were promised pay increases. This was great news for the hundreds of thousands of low-wage workers around the country who expected to see a raise. But, those raises did not come without fine print.
Wal-Mart announced that its starting base pay would increase to $9 an hour, and in 2016 it would go up to $10. While this was a welcome policy change for workers, Wal-Mart stood to benefit, too: Higher wages lead to higher productivity, which leads to fatter wallets for shareholders. But to offset the $1 million expense of raising employees' wages (and also providing employees with extra training), Wal-Mart actually cut hours, asked employees to leave shifts early, and asked them to take longer lunches.
McDonald's announced a plan to raise worker pay $1 above the federal minimum wage. As just another piece of the fast food giant's effort to improve public perception, this turned out to be a major disappointment: The raise only applied to employees of company-owned restaurants. The 90% of McDonald's employees who work at franchise-owned restaurants around the country (roughly 750,000 workers) will continue to be paid an unlivable wage.
These situations highlight how big companies like Wal-Mart and McDonald's — companies that many of us financially support — wield their power over workers, and exploit opportunities to improve the lives of their workers in order to keep their bottom lines intact and their public perception favorable. Unfortunately for workers, that still means working for impossibly low pay.
When it comes to implementing workplace policies that would significantly improve workers' lives — like giving low-wage workers a raise — there are two ways to do so. There's the big business, PR stunt approach, and then there's the approach that some smaller companies take. Recognizing the need for a higher starting pay, local grocery chain New Seasons decided to substantially raise theirs, even though it comes at a significant cost to their bottom line. While this bold action may end up with New Seasons getting some good publicity, we're pleased to see the company taking real action for their workers, with no exploitation, and no loopholes to offset costs.
Unfortunately, when it comes to big business, if it seems too good to be true, it probably is.


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Yo guys!
I've been producing uptempo for a while now and I'm using Serum to create screeches but somehow I am never satisfied with them and end up deleting them.
How do I create such clean screeches like in this dope song by NSD at 1:36?: https://www.youtube.com/watch?v=z8YKgWmJz2g
EDIT: I mainly use Serum!


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About WCTK
The Women of Christ the King (WCTK) meets from 9:00 – 10:30 on the second Saturday of every month. Our agenda includes a brief informational segment on topics of interest to the group, a time of food and fellowship, and a discussion of our Bible Study lesson. All women of the church are welcome to drop-in to any of our meetings. We hope that you will decide to become a part of our group!
Ministries of WCTK
The Pillow Ministry is working on making pillows for post-surgical patients. If you enjoy sewing and think that you would like to contribute to this group, contact Jane Vollman or Kathy Loss.
If you are a knitter and are interested in creating chemo or neonatal caps, comfort shawls, or other knitted items for those in need, please contact Kim Isiminger.
Opportunities to Serve
Please consider…
- • volunteering to provide food for the meetings
- • leading the monthly Bible Study discussing
Other opportunities to help may be available. If you are seeking a way to become more involved, talk with Carla Shaw, Sheri Osborn, or Kim Isiminger.


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Need to up the stakes
Out of curiosity: what's the greatest comeback in a 2-legged European tie before the CL format? I recall reading about some really crazy ones. Something like Madrid turning around an 8-2 defeat
It's one of those things where the stats and scoreline don't tell the whole story, you had to watch the game to see how bad we were. 7-0 on aggregate was very flattering. Story of that season really.
Last edited by Lelouch vi Britannia; 9th February 2018 at 08:25 PM.
Our training sessions are the best in the world. So much team spirit.
I guess you can look at Athletic this season to see how influential he was there.
Things are going great right now and Valverde helped create a atmosphere which is positive.
If you listen/read the interviews of the players he coached he seems like a father like figure. He's someone who can be stern but also be a great calming influence as well and he gets along with the players very well.
There were rumors that Lucho while he was respected, had a distant relationship with the players.
Still early to judge him, we reached the cup final 5 years in a row so nothing special here. The league is almost over because Real Madrid gave up long ago and there are going through crises.
His real test yet to come in UCL.
I have a bad feeling that whenever a lesbian looks at me they think Thats why Im not a heterosexual.
Umtiti go some kick up his butt
Try watching Real and the pressure on them rather than making shit up to suit your agenda from start of season that they are class and Barca are fucked.
Some 'fans' on here want nothing more than to be right.
It's the same people that said Suarez, Rakitic were finished, Paulinho was trash and Messi is retiring, Vermaelen is shit, we lost Neymar, etc.
We practically won domestic double in early February after so many "fans" thought Barca were finished and Real would be trashing us. But that's not shutting them up. "Real tests" are yet to await us and I bet some of those "fans" would love if Barca lost just to be proven right.
Don't take Sevilla for granted guys! We have not won the Copa!!


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'Masters in Cardboard' Headed to MCLA Gallery 51
NORTH ADAMS, MASS. - Massachusetts College of Liberal Arts' (MCLA) Gallery 51 will present the work of North Adams artist Andy Davis, who has recreated masterpieces from the Clark Art Institute's permanent collection. "Masters in Cardboard" will open on Thursday, Feb. 28, and run through March 24.
The public is invited to attend an opening reception for this exhibition on Thursday, Feb. 28, from 5 to 7 p.m. in MCLA Gallery 51. The event is free.
When The Clark undertook the largest renovation project of its history, Davis reproduced their world-renowned collection in cardboard so the curators could plan new installations. Now these cardboard mock-ups are presented as art objects in their own right. An exhibition within an exhibition, "Masters in Cardboard" will take viewers on an imaginary trip through The Clark's collection.
"I made these cardboard paintings at the Clark Art Institute in Williamstown, where I work in the Curatorial Department. Due to renovations, we needed to re-locate nearly 100 paintings from various galleries and install them in a very compressed space," Davis explained.
To save the artwork from unnecessary handling, staff at the Clark decided that Davis should make stand-ins out of cardboard. Each cardboard work was installed in advance of the actual artwork, to make sure they worked well in their appointed locations.
"Every mock-up is accurate down to the eighth-inch. They had to be, in order to do their job," Davis said. "They were also made fairly quickly. We needed accurate sizes and shapes, but it wasn't worth it for me to belabor any details. The project had the unintended consequence of providing the world with a cardboard museum."
Davis is a painter who also works in mixed media, sculpture, and installation. His work is represented in collections around the world. He formed Davis Art Services as a vehicle to realize creative projects he wants to see happen. He has organized shows at Sotheby's Beverly Hills, Bonhams Los Angeles, [seven-degrees] Laguna Beach, PRESS Gallery and Branch Gallery in North Adams, and his own Avalon Seafood Gallery and Grass Gallery as part of DownStreet Art.
MCLA Gallery 51 is a program of MCLA's Berkshire Cultural Resource Center. It is at 51 Main St., and is open every day from 10 a.m. to 6 p.m. For more information, call (413) 664-8718, or go to Gallery51 or www.davisartservices.com .


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Credit can be a force for good or a force for evil. Used wisely, it can empower you to achieve your financial goals and live a rich life. Succumb to the dark side, though, by purchasing things you ultimately can't afford, and you slide quickly down that slippery slope to a life of destitution. Bottom line, it's a journey and one in which the journey itself can be its own reward but only if you follow a few simple financial principles. In this, the trailer for our forthcoming animation, The Quest for Credit, our hapless hero finds himself weighed down by a veritable mountain of debt. If you've also got more debt than you'd like you'll probably want to check out the Intuit Town Hall
on April 28, where, not only will you get a look at part one of our two-part film (it's like the Lord of the Rings but shorter), but you'll also have the opportunity to hear from Aaron Patzer and Beth Kobliner with their tips on debt management. Aaron will be joined by his parents, who will talk about how important it was to them to give him a solid foundation in financial basics. You can be part of the conversation through a livestream here: http://intu.client.shareholder.com/townhall or by following @intuittownhall.
There's more. Intuit will be providing stats on the recession economy at the event. Who's saving and who's spending? Anya Kamenetz will be there to talk about the true cost of college and we'll be joined by East Harlem's Coalition School for Social Change, who will discuss their feelings about entering adulthood in these uncertain times.
It's all part of Intuit's efforts to engage directly with customers and provide them with the money management tools and actionable financial information they need.
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FOOD prices could rise after record numbers of honey bees were wiped out across Scotland last year, experts have warned.
Research by the University of Strathclyde found more than a third of managed honey bee colonies north of the Border died last winter – almost double the numbers lost the previous year.
Scientists warned the deaths could spark a hike in the cost of food by jeopardising the key natural "free service" bees provide in pollinating crops, threatened agricultural yields and "therefore food supply".
The Scottish Beekeepers' Association (SBA), which commissioned the study, blamed the latest "disconcerting" losses on last year's washout summer. But study authors added that the use of pesticides was also a factor. Dr Alison Gray, co-author of the study, said: "This is an extremely high loss rate. In fact, the loss rate last winter is the highest we have found since these surveys began in 2006 – and is similar to that over the winter of 2009-10, when we estimate that 30.9 per cent of colonies were lost.
"Results from European colleagues conducting similar surveys show the loss rate in Scotland is among the highest in Europe this year, while similarly high losses have been reported from England and Wales."
Warning that the losses should be "of major concern" due to the multi-million-pound benefits the natural behaviour of bees brings to the nation's farming sector, she added: "Honey bees worldwide are having to contend with habitat loss and reduction in variety of forage sources due to pressures of intensifying land use, increasing spread of new and old pests – caused by globalisation of trade in bees and bee products – as well as possible adverse effects of agricultural pesticides. For bees in northern Europe, poor weather conditions – combined with these other factors – are certainly making beekeeping a challenge and survival difficult for honey bees generally."
Experts also collected data from volunteers across Scotland on wild honey bees not managed by beekeepers. They found that 11 out of 20 colonies known to be alive last September have died out.
The study was based on responses to online and postal questionnaires from 300 members of the SBA, which represents most of the country's estimated 1,300 beekeepers.
Phil McAnespie, SBA president, said: "It is disconcerting but understandable because the last two summers were so wet and bees can't get out in those conditions, so colonies get smaller. With the good weather we have had this summer the bees are beginning to build up again, which should make a huge difference to next year's colonies."
Earlier this year, the Scottish Government announced a £200,000 fund to help commercial bee farmers restock and rebuild colonies devastated by extreme weather conditions.
The beekeepers taking part in the latest survey managed a total of 498 colonies, of which 156 colonies (31.3 per cent) were lost during the winter of 2012-13. The previous winter's loss rate was 15.9 per cent.


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Nonduality Highlights: Issue #3931, Wednesday, June 23, 2010, Editor: Mark
Haunting phantoms disappear before the very eyes of whoever approaches them with the intention to understand their nature.
- Vernon Howard, from The Power of Esoterics, posted to adyashantigroup
Assumptions and Expectations
The only reason we do not recognize This
as That which we are seeking
is that we operate with
a set of limiting assumptions
about how Reality will manifest
in the present moment.
When we let go of
these assumptions and expectations,
we will instantly recognize:
That can be nothing other than This.
- Metta Zetty
Q: Can I live in silence?
M: Unselfish work leads to silence, for when you work selflessly, you don't need to ask for help. lndifferent to results you are willing to work with the most inadequate means. You do not care to be much gifted and well equipped. Nor do you ask for recognition, and assistance. You just do what needs be done, leaving success and failure to the unknown For everything is caused by innumerable factors, of which your personal endeavour is but one. Yet such is the magic of man's mind and heart that the most improbable happens when human will and love pull together.
Q: What is wrong with asking for help when the work is worthy?
M: Where is the need of asking? It merely shows weakness and anxiety. Work on, and the universe will work with you. After all the very idea of doing the right thing comes to you from the unknown Leave it to the unknown as far as the results go, just go through the necessary movements. You are merely one of the links in the long chain of causation. Fundamentally, all happens in the mind only. When you work for something whole-heartedly and steadily, it happens, for it is the function of the mind to make things happen. In reality nothing is lacking and nothing is needed, all work is on the surface only. In the depths there is perfect peace. All your problems arise because you have defined and therefore limited yourself. When you do not think yourself to be this or that, all conflict ceases. Any attempt to do something about your problems is bound to fail, for what is caused by desire can be undone only in freedom from desire. You have enclosed yourself in time and space, squeezed yourself into the span of a lifetime and the volume of a body and thus created the innumerable conflicts of life and death, pleasure and pain, hope and fear. You cannot be rid of problems without abandoning illusions.
Q: A person is naturally limited.
M: There is no such thing as a person. There are only restrictions and limitations The sum total of these defines the person. You think you know yourself when you know what you are. But you never know who you are: The person merely appears to be, like the space within the pot appears to have the shape and volume and smell of the pot. See that you are not what you believe yourself to be. Fight with all the strength at your disposal against the idea that you are nameable and describable. You are not. Refuse to think of yourself in terms of this or that. There is no other way out of misery, which you have created for yourself through blind acceptance without investigation. Suffering is a call for enquiry, all pain needs investigation. Don't be lazy to think.
Q: Activity is the essence of reality. There is no virtue in not working. Along with thinking something must be done.
M: To work in the world is hard, to refrain from all unnecessary work is even harder.
Q: For the person I am all this seems impossible.
M: What do you know about yourself? You can only be what you are in reality; you can only appear what you are not. You have never moved away from perfection. All idea of self-improvement is conventional and verbal. As the sun knows not darkness, so does the self know not the, non-self. It is the mind, which by knowing the other, becomes the other. Yet the mind is nothing; else but the self. It is the self that becomes the other, the not-self, and yet remains the self. All else is an assumption: Just as a cloud obscures the sun without in any way affecting it, so does assumption obscure reality without destroying it. The very idea of destruction of reality is ridiculous; the destroyer is always more real than the destroyed. Reality is the ultimate destroyer. All separation, every kind of estrangement and alienation is false. All is one - this is the ultimate solution of every conflict.
Q: How is it that in spite of so much instruction and assistance we make no progress?
M: As long as we imagine ourselves to be separate personalities, one quite apart from another, we cannot grasp reality which is essentially impersonal. First we must know ourselves as witnesses only; dimensionless and timeless centres of observation, and then realise that immense ocean of pure awareness, which is both mind and matter and beyond both.
Q: Whatever I may be in reality, yet I feel myself to be a small and separate person, one amongst many.
M: Your being a person is due to the illusion of space and time; you imagine yourself to be at a certain point occupying a certain volume; your personality is due to your self-identification with the body. Your thoughts and feelings exist in succession, they have their span, in time and make you imagine yourself, because of memory, as having duration. In reality time and space exist in you; you do not exist in them. They are modes of perception, but they are not the only ones. Time and space are like words written on paper; the paper is real, the words merely a convention. How old are you?
Q: Forty-eight!
M: What makes you say forty-eight? What makes you say: I am here? Verbal habits born from assumptions. The mind creates time and space and takes its own creations for reality. All is here and now, but we do not see it. Truly, all is in me and by me. There is nothing else. The very idea of 'else' is a disaster and a calamity.
Q: What is the cause of personification, of self-limitation in time and space?
M: That which does not exist cannot have a cause. There is no such thing as a separate person. Even taking the empirical point of view, it is obvious that everything is the cause of every thing, that everything is as it is, because the entire universe is as it is.
Q: Yet personality must have a cause.
M: How does personality come into being? By memory. By identifying the present with the past and projecting it into the future. Think of yourself as momentary, without past and future and your personality dissolves.
Q: Does not `I am' remain?
M: The word `remain' does not apply. `I am' is ever afresh. You do not need to remember in order to be. As a matter of fact, before you can experience anything, there must be the sense of being, At present, your being is mixed up with experiencing. All you need is to unravel being from the tangle of experiences. Once you have known pure being, without being this or that, you will discern it among experiences and you will no longer be misled by names and forms.
Self-limitation is the very essence of personality.
Q: How can I become universal?
M: But you are universal You need not and you cannot become what you are already. Only cease imagining yourself to be the particular. What comes and, goes has no being. It owes its very appearance to reality. You know that there is a world, but does the world know you? All knowledge flows from you, as all being and all joy. Realise that you are the eternal source and accept all as your own. Such acceptance is true love.
Q: All you say sounds very beautiful. But how has one to make it into a way of living?
M: Having never left the house you are asking for the way home. Get rid of wrong ideas, that is all. Collecting right ideas also will take you nowhere Just cease imagining.
- Nisargadatta Maharaj, from I Am That
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Optimise B1+ Student's Book Pack
- Details
- Description
- Product Reviews
- Category Coursebooks - Secondary / Teenagers Courses
- Author Mann, M
- Publisher Macmillan
- Status Temporarily out of stock. Despatched within 4 working days.
A fully-interactive digital offering means teachers can decide how they wish to teach, from fully interactive to blended digital/print to print only.
For you:
Supplied as part of the Teacher's Book Premium Pack, the Presentation Kit is your complete solution for delivering the course content.
Fully interactive pages
Embedded videos and Class audio
Variety of teaching tools
For use with an interactive whiteboard or digital projector
For your students:
Digital Student's Book Premium Pack :
The Digital Student's Book offers an online or downloadable learning experience for your students.
Interactive exercises
Score Report feature
Note-taking function
Embedded videos and Class audio
The Student's Resource Centre is the go-to place for Workbook audio, Student's Book video and additional downloadable materials for independent study.
The Online Workbook is a digital version of the Workbook.
Available on a variety of portable devices
Fully-interactive activities
Instant feedback and multiple attempts
Customisable profiles
Digital Student's Book Pack:
This option includes the Digital Student's Book and Student's Resource Centre. The Online Workbook is available as a separately purchasable component
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Price: £ 22.70
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text:
Inflatable Bat Outdoor Decoration
- Airblown Inflatable Unit
- 4 Tethers
- 4 Base Stakes
- 4 Tether Stakes
- Replacement Light Bulb
- Replacement Fuse
- Inflatable Bat Outdoor Decoration
- Inflates to 12 ft wide, 5 ft high
- Animated--head turns from side to side
- NOTE: The plug on this item may require an adapter (not included) for use outside the United States
Getting a real bat to use as a decoration in your home seems like a really good idea, but it's not. Have you ever tried catching one? It's not exactly easy. Then, once you've actually caught a bat, you have to feed it, take care of it and train it how to scare the heck out of your guests. You can take it from us… bats don't like to be trained to do stuff for you. Besides, there's a much easier solution. You can just use this inflatable bat decoration.
That's right! This inflatable bat decoration saves you all the trouble of having to wrangle and train a real live bat to scare your friends. It works as a great outdoor decoration for Halloween and it even has a menacing little bat face on the front. Just hang him anywhere in your yard and prepare for the impending shrieks of terror!
|12 ft
|12 ft
|5 ft
|5 ft
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Exchange-traded funds (ETFs)
An ETF, or exchange traded fund, is an investment fund or portfolio of securities that holds assets like stocks, bonds or commodities. Most ETFs track market indexes, from the very broad to the very narrow. ETFs aren't purchased or sold once a day like a mutual fund, but instead trade like stocks on an exchange and experience price changes throughout the day as shares are bought and sold from one investor to another.
Save on ETFs.
- Schwab ETF OneSource™ offers over 250 commission-free ETFs from leading providers, including Charles Schwab Investment Management, State Street SPDR®, Invesco, Aberdeen Standard Investments, USCF, Direxion Investments, Global X Management Company, LLC, IndexIQ, WisdomTree, PIMCO, ALPS Advisors, Inc. and J.P. Morgan Asset Management, Inc., DWS, John Hancock Investments and OppenheimerFunds.
- Schwab ETFs™ include both market cap index ETFs and Fundamental Index® ETFs, two different ETF methodologies that can work well together. For broader diversification, consider using both when building your portfolio.
Consider professional management of your ETF investments.
Schwab Intelligent Portfolios
Schwab Intelligent Portfolios, an automated investment advisory service, will build monitor and rebalance your portfolio. $5,000 minimum. No advisory fees, account service fees or commissions are charged.
Schwab Managed Portfolios – ETFs
Get professionally managed portfolio of ETFs at a competitive price, with ongoing advice from a Schwab investment professional. $25,000 minimum.
Windhaven® Strategies
Learn more about our professionally managed ETF strategies, composed primarily of ETFs that seeks to capture much of the growth in rising markets while attempting to reduce exposure in declining ones. $100,000 minimum for brokerage/IRA accounts.
Research and find ETFs.
- Learn more about ETFs by using our learning center and our comprehensive research tools and reports.
- Find and compare up to three ETFs at once using our extensive ETF research and helpful screeners to compare cost, quality, holdings and performance.
- Use our Personalized Portfolio Builder to create a diversified portfolio based on your investment preference, mutual funds or ETFs, risk profile, and initial investment.
- View charts to see the fund's benchmark performance, fund strategy details, and Morningstar style and ratings.
- Browse all Schwab ETFs™.
Start Investing with ETFs Today.
Need help? Call 800-435-4000.
Want to learn more about choosing an ETF?
Watch the video or read below for answers to the top five questions you should ask before investing in ETFs.
Learn More About Choosing an ETFSo you're thinking about investing in an exchanged-traded fund. You've decided on the asset class you want to invest in, and you found a few ETFs that could be right for your portfolio, but how do you know which of those ETFs is the right ETF for you? Start by asking yourself these five important questions about any ETF you're considering. Let's take them one-by-one.
First, what's the expense ratio? When you're choosing an ETF cost is an important factor. The expense ratio is the percentage of fund assets that are deducted every year to cover management fees. Check to make sure that your ETF has an expense ratio that's low compared to other funds in the same category.
Question 2: What will you pay in trade commission? Trade commission is the second part of the cost equation. It's the fee you pay every time you buy or sell an ETF. Look for a low commission or no commission at all, if possible.
Question 3: What's the bid/ask spread? The bid/ask spread is another cost. This is the difference between the ETF's bid price, which is the price a buyer is willing to pay for a share, and its ask price, which is the price a seller is willing to accept for a share. Often, the more an ETF is traded, the smaller the bid/ask spread, and the smaller the bid/ask spread, the more of your money goes to the actual investment, which is better for you. Look for a spread of just a few pennies.
Question 4: What are the fund's total assets under management? You've considered the cost of your ETF. Now, look at the quality. Assets under management refers to the amount of money that's already been invested in the ETF. It's a pretty good indicator of the fund's viability. Schwab's experts prefer ETFs that have at least $20 million in assets, and, preferably, much more. In general, the more assets under management, the better.
Question 5: How do the ETF's returns compare to its benchmarks' returns? What you want to see is the ETFs performance tracking closely to the performance of its benchmark over time. If there are significant differences between the two sets of returns, it could mean that you're looking at a potentially riskier investment.
So those are our five questions. Let's see how asking them can help you decide between two similar ETFs from the same asset class. We'll take two hypothetical ETFs and ask what's the expense ratio, the trade commission, the bid/ask spread, what are the assets under management, and how well do its returns track to the benchmark? While this is a simple example, working through these five questions really can help you see which ETF might be a better pick.
Ready to find the ETF that's right for your portfolio? Schwab's ETF evaluation tools are a great place to start. You'll find them at Schwab.com/ETFTools. And if you need help as you choose the right ETF for you, just call us at 877-769-8003.
Take the next step.
Open an account at Schwab today to start saving on ETFs.
Open an Account Call 866-855-7728. Visit a branch.
Find socially conscious funds PDF
1. Conditions Apply: Trades in ETFs available through Schwab ETF OneSource™ (including Schwab ETFs™) are available without commissions when placed online in a Schwab account. Service charges apply for trade orders placed through a broker ($25) or by automated phone ($5). An exchange processing fee applies to sell transactions. Certain types of Schwab ETF OneSource transactions are not eligible for the commission waiver, such as short sells and buys to cover (not including Schwab ETFs). Schwab reserves the right to change the ETFs we make available without commissions. All ETFs are subject to management fees and expenses. Please see Charles Schwab Pricing Guide for additional information.
Investors should consider carefully information contained in the prospectus or, if available, the summary prospectus, including investment objectives, risks, charges, and expenses. You can request a prospectus by calling Schwab at 800-435-4000. Please read the prospectus carefully before investing.
Investment returns will fluctuate and are subject to market volatility, so that an investor's shares, when redeemed or sold, may be worth more or less than their original cost. Unlike mutual funds, shares of ETFs are not individually redeemable directly with the ETF. Shares of ETFs are bought and sold at market price, which may be higher or lower than the net asset value (NAV).
Charles Schwab & Co., Inc. receives remuneration from third-party ETF companies participating in Schwab ETF OneSource™ for record keeping, shareholder services and other administrative services, including program development and maintenance.
Diversification does not eliminate the risk of investment losses.
Schwab ETFs are distributed by SEI Investments Distribution Co. (SIDCO). SIDCO is not affiliated with Charles Schwab & Co., Inc. Learn more at schwab.com/SchwabETFs.
Charles Schwab Investment Management, Inc. is the investment advisor for Schwab ETFs and an affiliate of the Charles Schwab Corporation.
Standard & Poor's®, S&P® and SPDR® are registered trademarks of Standard & Poor's Financial Services LLC (S&P); Dow Jones is a registered trademark of Dow Jones Trademark Holdings LLC (Dow Jones); and these trademarks have been licensed for use by S&P Dow Jones Indices LLC (SPDJI) and sublicensed for certain purposes by State Street Corporation. State Street Corporation's financial products are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates and third party licensors and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability in relation thereto, including for any errors, omissions, or interruptions of any index.
ALPS Distributors, Inc. is the marketing agent for Aberdeen Standard Silver ETF Trust, Aberdeen Standard Gold ETF Trust, Aberdeen Standard Platinum ETF Trust, Aberdeen Standard Palladium ETF Trust and the Aberdeen Standard Precious Metals Basket ETF Trust. ALPS Distributors, Inc. is the distributor for the Aberdeen Standard Investments ETFs.
Aberdeen Standard Investments is a brand of the investment businesses of Aberdeen Asset Management and Standard Life Investments. In the United States, Aberdeen Standard Investments is the marketing name for the following affiliated, registered investment advisers: Aberdeen Asset Management Inc., Aberdeen Asset Managers Ltd., Aberdeen Standard Investments ETFs Advisors LLC, Aberdeen Asset Management Ltd., Aberdeen Asset Management Asia Ltd., Aberdeen Asset Capital Management, LLC, Standard Life Investments (Corporate Funds) Ltd., and Standard Life Investments (USA) Ltd.
J.P. Morgan Asset Management is the marketing name for the asset management businesses of JPMorgan Chase & Co. Those businesses include, but are not limited to, J.P. Morgan Investment Management Inc., Security Capital Research & Management Incorporated and J.P. Morgan Alternative Asset Management, Inc.
USCF® the United States Commodity Funds®, INVEST IN WHAT's REAL® are registered trademarks of United States Commodity Funds LLC. All rights reserved.
Xtrackers ETFs ("ETFs") are managed by DBX Advisors LLC or DBX Strategic Advisors LLC (the "Advisors"), and distributed by ALPS Distributors, Inc. ("ALPS"). The Advisors are wholly owned subsidiaries of DWS Group, and are not affiliated with ALPS. Xtrackers ETFs are not FDIC-insured, there is no bank guarantee, and they may lose value. MSCI and MSCI Index are service marks of MSCI Inc. ("MSCI") and have been licensed for use by DWS Group. The ETFs are not sponsored, endorsed, issued, sold, or promoted by MSCI Inc., nor does this company make any representation regarding the advisability of investing in the ETFs.
WisdomTree Funds are distributed by Foreside Fund Services, Inc. in the U.S. only. WisdomTree is a registered trademark of WisdomTree Investments, Inc.
Schwab is a registered trademark of Charles Schwab & Co., Inc. Fundamental Index is a registered trademark of Research Affiliates, LLC.
Portfolio management provided by Windhaven Investment Management, Inc. Windhaven Investment Management, Inc. ("Windhaven"), is a registered investment advisor and an affiliate of Charles Schwab & Co., Inc. ("Schwab").


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Member Favorites: 2
Miyako Asakura (朝倉 美弥子)Miyako is from Fukuoka Prefecture; her name comes from Miyako, Fukuoka, and Asakura, Fukuoka. She has a doting father, which humbles her view of male society. She hates to lose in anything, and when engaged in a challenge, she will stop at nothing to win. She typically has a cold attitude towards Tsukasa, giving her a tsundere personality.
(source: wikipedia)
Voice ActorsNo voice actors have been added to this character. Help improve our database by searching for a voice actor, and adding this character to their roles here.


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Hey peeps! March is finally here, which means spring is on the way! Soon I'll be able to throw off the heavy blankets, put down the snacks, and lumber out of hibernation. I don't do winter. No frolicking in the snow, no tobaggoning, no snow angels, none of that for me. I prefer to turn the heat up til it's nice and toasty and sweat like I'm in the Caribbean. Luckily there are several family members always willing to take Lil Boy outside to play in the snow, which allows me to wave cheerily through the window while he braves the elements.
To be fair, this year's winter was pretty mild, but cold is cold and I just don't like it.
Today's post is going to be a teeny tiny one because I have been super busy working on new freebies, and designing items for my digital party supply shop, soon to open on Etsy.com! However, I do have your free printable, as promised.
A little St. Patrick's Day Decor:
This is is a subway art printable I created. Fun for decorating, for kids' rooms, as a framed gift or even for scrapbooking. Just print on regular sized paper. You can download it here.
I've used it to get our St. Patricks's Day decor started.
It's still cold outside so I'm off to turn the heat up a bit more. Have a happy Monday!
Sunday, March 4, 2012
Monday's Free Printable!
Posted by Kristine at 11:45 PM
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