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In the first part of our discussion, we covered what it means to be commoditized, as well as the areas of financial services that are currently experiencing commoditization.
So given this context for what it means to be commoditized and the trends in the overall financial services industry, what is the outlook for financial planning in particular?
Overall, it's difficult to see how financial planning itself is in any danger of being commoditized in the foreseeable future. The primary reason is simply that the nature of customized, personalized and comprehensive financial advice is itself not conducive to being commoditized; to the extent every client's situation is different, and the circumstances for applying advice vary too, it's difficult for commoditization to take hold (although arguably planning firms still have a lot of room for more standardization of process and deliverables).
This is quite different than a service like tax preparation, where TurboTax was able to gain momentum both because everyone must go through the process annually, and because ultimately everyone must follow and implement the exact same rules. With financial planning, though, the client needs, services rendered, expertise of the planner provider, and tools for implementation, are all so unique from one client-financial planner interaction to the next, the reality is that getting financial planning services in today's marketplace is actually the antithesis of undifferentiated and interchangeable!
In fact, ironically the greater challenge for financial planning may be that the services provided vary so much from one firm to the next that consumers have difficulty identifying a good planner in the first place or knowing what factors to prioritize when making a choice; to say the least, this isn't a marketplace where the only difference from one planner to the next is the price for an identical service and outcome!
Notwithstanding the fact that financial planning itself isn't being commoditized, though, it's important to realize that many other services provided by financial planners or as a part of the financial planning process most definitely are becoming commoditized. For instance, as noted earlier, the execution of trading to the implementation of index portfolios is becoming rapidly commoditized; while few advisors still provide basic stockbroker execution services, this still puts a great deal of pressure on those advisors who provide little more than the implementation of passive, strategic portfolios, which can now be done for almost nothing from a wide range of online providers at an ultralow cost.
Similarly, providing basic financial planning projections for retirement or other goals, accounting for a client's net worth and cash flow, or providing information on performance reporting, is also under commoditization pressure from a wide range of online computer- or tablet-based tools that are providing such information at little charge or entirely for free, from the RetireLogix financial planning "app" to the services of Mint.com to the more in-depth reporting options becoming available thanks to a wide range of "account aggregation" tools available for consumers. The end result: to say the least, there's no longer very much value in just gathering information and being able to report it back to clients the way that perhaps there once was.
Nonetheless, this doesn't mean that financial planning itself—the integration of these various points of financial data, client needs and goals, planner wisdom and advice, and subsequent implementation—are being commoditized, even though technology is certainly impacting many of the component parts. To the contrary, the opportunity is that as technology permeates the financial planning world, it will improve the planning experience and augment planners, not replace them. Ultimately, the value of financial planning is about changing a client's behavior, and as human beings we simply don't feel accountable to change from a computerized, commoditized service the way we do to another human being.
On the other hand, the pressure is on for those who are masquerading as financial advisors without really providing valuable financial planning advice. If the goal is to get paid for just gathering a client's financial information, providing financial planning projections, executing investments and implementing passive portfolios, etc., the threat of robo-advisors is real, and business will not be sustainable as commoditization decreases the profitability of those services down to nothing.
Yet, ironically, in the end the reality is that as we enter the digital age, financial planning is not only not being commoditized in a manner that would make financial planners irrelevant, but the reality may be that it's about to get even more competitive with more financial planners than ever, as an increasing number of advisors realize they must step up to provide a deeper, higher quality of financial planning advice and services for their businesses to survive and thrive.


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BENEFITING: Susan G. Komen New England
ORGANIZER: Terri
Terri Buganski wrote -
Race for the Cure Greater Hartford started in 1994 and has remained a staple in the Greater Hartford community ever since. Through funds raised by our Race participants, Komen Connecticut has contributed to funding more than $23 million in breast cancer research, local education, screening and treatment. Every dollar raised by Race for the Cure makes a lasting impact in the fight against breast cancer.
Did you know that Connecticut has the HIGHEST incidence of breast cancer in the U.S. with over 3,000 Connecticut women diagnosed annually? Komen Connecticut needs YOU as a part of our crusade to end breast cancer forever. Your fundraising efforts will help save the lives of Connecticut women.
More treatment. More research. More survivors. A cure.

subset: commoncrawl


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TUNSECHY Rash Guards are for all of those is for all of the back takers, the mat slayers, the submission makers and all around BJJ players! Worn during grueling training or competition activity, these popular rashguards feature bold designs and high quality so you can enjoy it for a long time to come.
TUNSECHY has designed the optimal gear so when you're in the zone, your gear should be the last thing on your mind.
Received shorts and they don't fit quite right? Just reach out to use and we can take care of you. All you have to do is send it to our address here in the United States. Upon return, we will refund you and you can reorder in the size you desire.
Please do not send your purchase back to the manufacturer.
Once your return is received and inspected, we will send you an email to notify you that we have received your returned item and authorized the refund. Then your refund will be processed, and a credit will automatically be applied to your credit card or original method of payment, within a certain amount of days.
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If you are shipping an item over $75, you should consider using a trackable shipping service or purchasing shipping insurance. We don't guarantee that we will receive your returned item.


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Why Testing Isn't Enough
Last week, I discussed some reasons that software is hard to develop. I would like to continue by concentrating on two of those reasons: Programmers generally assume that
- They can translate their knowledge of what a program is supposed to do accurately into code, and
- The code actually does what its author thinks it does.
Test-driven development tends to strengthen these assumptions: We use tests to express our knowledge of what the program is supposed to do, and then we take the view that when a program passes all of the tests, it's done.
This approach works in some circumstances, but not all. Dijkstra put it well in an essay when he used as an example the problem of determining whether a computer's (fixed-point) multiplication hardware is working correctly. He happened to be talking about a computer with 27-bit words; today we would expect to find 32-bit words. With 32-bit words, there are 264 distinct cases to test. If we can test 227 (about 134 million) of those cases per second, then testing every possible case will take 237 seconds, or well over 4,000 years. Even if we wait for computers to become faster before we begin our testing, we will have done nothing toward testing the particular computer we were assigned to test. So even for a very simple problem, there is no way to test that every possible input yields a correct solution.
Testing has another problem: Sometimes our programs are not intended to have exact results. For example, suppose we have written a program to add the values of the elements of a floating-point array:
double sum(double* begin, double* end) { double result = 0; double* p = begin; while (p != end) { result += *p; ++p; } return result; }
How do we go about testing code such as this in light of the fact that floating-point arithmetic is not perfectly accurate? How do we predict accurately what the program's output is supposed to be when that very prediction might be subject to the same inaccuracies as the program that we are trying to test?
What we need is a way to look at the code and verify, rather than merely test, that the code produces the result we intend. As a simple example, let's think about what happens if we call
sum with two pointers that are equal to each other. In other words, let's start by seeing what we can figure out about what happens when
begin == end.
Our program begins by setting
result to
0.0. It then copies
begin into
p and starts a loop that continues as long as
p is not equal to
end. Because we are assuming that
begin == end, we know that that loop does not get executed at all. After the loop is a
return statement; this statement returns
0.0 because
result was set to
0.0 at the beginning of
We have just proved that our
sum function correctly computes the sum of a floating-point array that doesn't have any elements. It is true that our proof might contain an error, or that the code might contain an error that causes it not to correspond accurately to the proof, but nevertheless, if it is correct, this proof does something that testing does not do: It establishes that this program should compute the sum of a floating-point array correctly, at least when the array is empty.
This proof may seem trivial, and so far, it is. We can make it slightly less trivial by looking at the case where
end == begin + 1. As before, we set
result to
0.0 and copy
begin into
p. This time, however, the loop is actually executed. As a result, we add
*p (which is equal to
*begin) to
result, then increment
p. Now
p is equal to
end, because we are investigating the case in which
end == begin + 1. Accordingly, we add
*begin to
result, which we had previously set to
0.0. So long as
*begin + 0.0 is equal to
*begin (or close enough to equal for our purposes), this function will return the value of (only) element of the array.
We have just generalized our proof to show that our code works correctly when the number of elements in the input array is zero or one. Again, this proof accomplishes something that testing might not, namely to show that the program should work correctly in these cases.
Our next step is where things get tricky: How do we generalize our proof to handle any number of elements? I'll let you think about that problem before I discuss it in detail next week.


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See the chimp refuge for details.
I'm a geochemist. In the past ten years I've fixed mass spectrometers, blasted sapphires with a laser beam, explored for uranium in a nature reserve, and measured growth patterns in fish ears, and helped design the next generation of the world's most advanced ion probe. My main interest is in-situ mass spectrometry, but I have a soft spot in my heart for thermodynamics, drillers, and cosmochemistry.
See the chimp refuge for details.
Posted by C W Magee at 10:58 AM
Labels: Worth leaving the lounge
I am a member of the Expat blog community.


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Goldman Sachs (GS) said Thursday that its third-quarter net income was $1.52 billion, or $2.88 a share, vs. $1.51 billion, or $2.85, a year ago. These results beat estimates, but net revenue fell far short of expectations.
Sales dropped 20% year over year to $6.72 billion. Goldman's investment bank, for instance, reported a 44% drop in revenue from bond, currency and commodities trading.
The bank, led by Lloyd Blankfein, cut costs by 25% to $4.56 billion in the third quarter, and compensation expenses declined by 35%.
"Ongoing uncertainty around the economic outlook and the traditional seasonal slowdown drove a significant reduction in client activity during the quarter," said CFO Harvey M. Schwartz, in a call with analysts early Thursday.
"This reduction in nationwide client activity obviously impacted the opportunity set in many of our businesses," Schwartz said. In investment banking, equity and equity-related volumes declined 27% quarter over quarter. Debt [unintelligible] volumes declined 10% versus the prior quarter, and completed M&A volumes declined 36% sequentially."
In its institutional business, net revenues from fixed client execution were $1.2 billion in the third quarter, he says, "substantially lower than the second quarter."
Investment management fees topped $1 billion but were 1% lower than they were in the prior quarter. Assets under supervision grew by $36 billion to $991 billion. "Net market appreciation of $19 billion was primarily in equity assets, while $17 billion in inflows were concentrated in fixed income assets," Schwartz said.


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Welcome to our website! As we have the ability to list over one million items on our website (our selection changes all of the time), it is not feasible for a company our size to record and playback the descriptions on every item on our website. However, if you have a disability we are here to help you. Please call our disability services phone line at 402-379-1220 during regular business hours and one of our kind and friendly personal shoppers will help you navigate through our website, help conduct advanced searches, help you choose the item you are looking for with the specifications you are seeking, read you the specifications of any item and consult with you about the products themselves. There is no charge for the help of this personal shopper for anyone with a disability. Finally, your personal shopper will explain our Privacy Policy and Terms of Service, and help you place an order if you so desire.
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Relationship with Self
The relationship you have with yourself and the journey to self-understanding is an important part of your overall wellness.View Article
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|Lowering the Risk Factors
|Diabetes is a dangerous health problem. In adults, diabetes is often a result of long-term nutritional neglect and abuse.
Most of us don't eat breakfast. Our fuel supply is very low, and we wind up running on fumes. We grab a high-calorie muffin or a candy bar later in the morning when we're really, really hungry. What we don't know is that this snack causes insulin to dump out of the pancreas into the bloodstream, as the body attempts to process the surge in blood glucose from the snack we just ate.
This pattern is repeated throughout the day. A graph of the average person's blood sugar levels would show sharp spikes - both highs and lows - in every 24-hour period. Eventually, the insulin-producing cells in the pancreas wear out. The result is consistently high levels of blood glucose which is called diabetes.
Diabetes may cause severe eye problems, severe kidney problems, and severe circulatory problems. It is associated with obesity, heart disease, and increased mortality. Not good.
An obvious preventive strategy would be to ensure that blood glucose levels are steady throughout the day. Actually, this is easy to do. All that's required is to develop healthy eating habits and do regular exercise.
Eat breakfast - a 1/2 cup of cottage cheese mixed with a 6-ounce cup of yoghurt is all you need
Do food combining at every meal - always eat a combination of protein and carbohydrate
No between-meal snacks
Regular exercise that is challenging and fun - build-up gradually and be consistent


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Police Chief Robert Hayden said Monday he is hoping one measure, equipping Brockton police officers with a drug that reverses the symptoms of a heroin overdose, will be a major step in keeping the city's drug addicts from dying.
BROCKTON – With five suspected overdose deaths in the city in the past two weeks, Brockton Police Chief Robert Hayden said saving lives is now the priority for his department.
Hayden said Monday he is hoping one measure, equipping Brockton police officers with a drug that reverses the symptoms of a heroin overdose, will be a major step in keeping the city's drug addicts from dying.
Authorities believe that the heroin on the streets may be laced with a powerful painkiller called fentanyl, which is typically prescribed to terminally ill cancer patients. There has been a surge in drug overdoses and overdose deaths in the region in recent months, officials say.
"The posture that we're taking right now is that we have to save lives," Hayden said. "We care about every person in this city that's got a drug problem and we're not in an arrest-mode. We're not looking to arrest people. We're looking to save lives. We will arrest people to save their lives but our focus now is help. We want to help you."
Hayden said he spoke with the president of the Brockton patrolmen's union Monday and both agreed that officers should be equipped with the drug Narcan, a brand name of the drug naloxone, which reverses the effects of a heroin overdose.
Hayden said the training would begin in the next two or three days and that all Brockton police officers will carry and administer Narcan soon.
"The police usually get there before anybody else. So once they're trained in how to use it, I think it will make an important contribution to someone staying alive," Hayden said.
The Brockton Fire Department is intending to equip its trucks with Narcan kits by the end of the week, Brockton Fire Chief Richard Francis said.
Hayden said Narcan is just one measure being taken to combat the bad batch of heroin.
He said police would be posting fliers in shelters and other places throughout the city on red paper that warns people of the potentially deadly drug on the streets. He also said they are working to set up a hot line for people to call for help.
"It's a tough problem because it's region-wide," Hayden said. "We've stepped up patrols. The narcotics division has been more active than they have been in the past."
Hayden said he reached out to Bridgewater Police Chief Christopher Delmonte on Monday to talk about involving Brockton's surrounding towns in discussions on what can be done.
"It's a good idea. It could be a valuable resource," Delmonte said. "We know that there are a lot of police professionals in the region with years of experience, so hopefully we can get together and discuss if there's any new strategies or new policies that need to be put in place.
"We know we have a problem and we're trying to find out how to either solve the problem or at least mitigate it," Delmonte said.
Benjamin Paulin may be reached at email@example.com.


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Rosehips Dried Herb
- Product Details
- £3.00
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Free Skincare Bundle when you spend £75 T&C apply
- Size 50g
- Product Buying Options
Rosa canina
Neal's Yard Remedies is committed to looking after the environment so we will dispatch your herb order in bulk to reduce the amount of packaging needed.
As a general guide use one to two teaspoons of dried herb or mixture of herbs to a cupful of water. Place the herb in a saucepan, pour on the water, cover with a lid and simmer for ten to fifteen minutes before straining.
For further information and recommended dosage please consult a qualified practitioner.
For precautions and how to use dispensed herbal products, click here
100% Rosehips Dried Herb
Allergen information: May contain: Gluten, soya, nuts, peanuts, sesame, mustard and celery.
UK Standard (3 - 5 working days Monday - Friday)
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Please do not book any travel until we have advised you to do so. Once we have advised you to book your travel, we strongly recommend that you purchase a changeable ticket in the event conditions change.
Whether you're still deciding on courses or you're packing your bags, you can always contact our staff to help you along. Yes there is paperwork and yes there are decisions to make around course selection, housing preferences, dates, travel necessities, registration, budgeting and more. Our staff can walk you through it all.
Once you apply to Arcadia, our program managers are in regular contact with you about the status of your application and they send out extensive information that will prepare you to go abroad, including information on culture, politics, history and the local higher education system.
Once you arrive, our staff will meet you and introduce you to your accommodation and your orientation program will begin – to help you settle in academically, practically, culturally and socially.


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Matt nickel shaker style knob 35mm in diameter, a cabinet knob that will give your cabinets that 'wow' factor along with any of our shaker style cabinet handles to match.
Product Information.
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|Knob Diameter
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If you require a different length of fixing screw than 25mm please click here for different lengths.
COVID-19 Update
Due to recent developments and Government advice, Our warehouse as of 24th March 2020 is still processing orders but at a reduced rate which will extend our normal delivery times, until further notice. You can still place your order online and this will be dispatched as soon as we possibly can, hopefully after the next Government review.
At The Handle Studio Ltd we are committed to bringing you a fast, efficient and cost effective way of delivery.
All of our products are packaged carefully and in most cases they are wrapped individually in protective covers. We also use recycled packaging whenever possible and also use bio-degradable packing materials.
It is your own responsibility to check your order once received, as errors and shortages cannot be rectified after 3 working days.
The delivery services we use will be either DPD Local which uses a 1 hour window predict service, so on the day of delivery you will either receive a text message or an email giving you a estimated delivery time within a 1 hour window. You can also arrange to have your parcel delivered to 1 of the 2500 pickup shops throughout the UK.
We also use Royal Mail 48hr tracked service which will also give you a notification by text or email.
All of our orders are processed the same day and in stock items are packed and dispatched within 48hrs, and you will receive an e-mail saying that your order(s) have been dispatched from us providing you have given a valid e-mail address. In most cases our customers receive their order within 3 working days but please allow up to 7 working days before contacting us unless stated otherwise, each and every parcel is weighed and a record kept before they leave our premises. Please note that no deliveries are made during bank holidays, but should continue as normal the following working day.
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Orders with a weight up to 1.5kg will be dispatch by using Royal Mail 48 tracked service.
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Delivery will be made by DPD Local or Parcel Force and this will be a 2-3 day delivery service from being dispatched from us.
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Delivery will be made by DPD Local or Parcel Force and this will be a 2-3 day delivery service from being dispatched from us.
Free delivery is only available from £129.00 on any order.
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Please note that on the very rare occasion of adverse weather conditions, your order may be delayed for longer than the stated period of time. Unfortunately we have no control over this, however we would like to assure customers that everything would be done in our power to get your order delivered to you as quickly as possible.
We cannot be held responsible for any parcel, dispatched by us, and is then lost in transit to you. We will however investigate the matter on your behalf with our couriers, and put a claim in for you. Whilst waiting for the claim to be completed, you can place a new order and purchase the items online should you still wish to have the goods.
Any parcel that has been refused by you the customer and then returned back to ourselves may incorporate a charge from the courier. If this is the case, their charge will be deducted from any refund due back to you the customer from the returned order refund amount.
The Handle Studio Team.


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Deferred income annuities continue their dominant run. LIMRA recently reported that DIAs surpassed $500 million for the first time, reaching $535 million in the second quarter of 2013, 155% higher than in the second quarter of 2012. Year to date, DIA sales grew 151% to nearly $1 billion. DIA sales are on pace to reach $2 billion by the end of the year, doubling 2012 results.
Now IRI is validating the findings with its own research, claiming DIA product sales actually reached an estimated $1 billion in 2012.
First introduced several years ago, DIAs provide another retirement income option to financial advisors, and their clients, as they develop plans to protect against longevity risk in a way that best suits each individual client's needs.
"DIAs achieved their first year of significant sales, about $1 billion, in 2012, and sales have continued to grow in 2013," Cathy Weatherford, IRI President and CEO, said in a statement. "While this is only a small percentage of overall industrywide annuity sales, we expect this growth to continue into 2014. As more companies begin to offer DIA products and as they expand into new distribution channels, DIAs are becoming a viable option for consumers and financial advisors looking for guaranteed retirement income to insure against longevity risk."
Similar to their precursor, advanced life deferred annuities (ALDAs), DIAs are designed to provide income later in life to protect against the risk of outliving assets. While ALDAs never experienced significant sales, insurers revisited the concept by shortening the deferral period. DIAs also offer more flexibility through, among other features, optional death benefits and liquidity options.
Key findings from the report:
- IRI anticipates DIA products to be the fastest growing annuity product in terms of sales on a percentage basis in 2013 and 2014.
- Income on DIA products can start between two to 40 years from issue, but most DIAs are elected with an income start date between five and 15 years from issue.
- As recently as last year, only six companies offered DIA products. Now at least a dozen companies offer or have filed to offer a DIA product.
- The average DIA buyer profile resembles that of buyers of variable annuities and fixed-indexed annuities with living benefits. The average DIA buyer is in their late 50s, with most DIAs being purchased by buyers ranging from their early 50s to mid-60s.
- Across the industry, the average income deferral period for DIA products is eight years.
- One-fifth of Baby Boomers believe that guaranteed income each month is the most important trait of a retirement investment product.
Check out Milevsky: Mispricing Annuities, Then and Now on ThinkAdvisor.


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Meridian Village - Real Estate in Douglas County, Parker, CO
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Current sales prices range from $315,000 to $750,000, with an average list price of $486,400.
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Our agents pay attention to every detail about your significant purchase. The type of contract that you use to make an offer is important. Our agents will advise you on whether an "As-Is" contract is better way to make an offer versus a contract with repair limits. There is a vast difference. For example, an "As-Is" contract allows a buyer to escape the contract for any reason once inspected. Where a contract calls for repair limits of 1.5% of the sales price to discuss and negotiate inspection related "warranted" repair items. This type of contract is not as easy to escape. The term "warranted" opens the door for possible conversations that may not be in the best interest of a buyer. Your agent can best determine which type of contract best suits your needs.
Our number one priority is your purchase and getting the most for your money. Each agent that works with GetMoreOffers® has buyer skills that are exceptional, has demonstrated their professionalism through work ethic, real estate contract knowledge and excellent local knowledge. GetMoreOffers® authorized brokers hold MLS board memberships in most Colorado cities.
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ADDvantage® is an advocate of buyers and sellers. Our website, GetMoreOffers.com, is recognized as one of Colorado's top rated flat fee MLS listing services. Sellers throughout Colorado can list their homes by owner through our flat fee MLS listing plan or use our deeply discounted full-service MLS listing plans such as Professional ADDvantage™.
Call anytime for more assistance, 727-942-2929 or 1-877-232-9695
Cities Near the Meridian Village Community
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Client Testimonials from Sellers in Colorado
-jacquelyn Black Hawk, CO Mar 16, 2018


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Master the Coding Skills to Become an Engineer Companies LOVE to Hire Hi! His name is Mosh Hamedani. His life's mission is to help novice and professional software engineers increase their skills, make more money and ultimately change their lives for the better.
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text:
Trainee Investment Banking Headhunter - Corporate Finance - London, New York and Dubai
- Recruiter
- Location
- London, City near the Gherkin, Dubai, Hong Kong or New York
- Salary
- £25,000 - £28,000 Basic + Attractive commission scheme. £45,000 on target earnings Yr 1
- Posted
- 25 May 2019
- Closing date
- 25 Jun 2019
- Ref
- Job function
- Sales
- Job level
- Graduate
- Hours
- Full time
- Contract
- Permanent
- Listing type
- Job vacancy
- Education level
- Undergraduate degree (or equivalent)
Trainee Investment Banking Headhunter
Location: London (City), Edinburgh, New York, Hong Kong or Dubai -
Salary: £25,000 - £28,000 Basic (or equivalent)+ Attractive commission scheme, paid monthly. £45,000 on target earnings Yr 1, £80,000 Yr 2
The new researcher will work along-side an experienced consultant who will mentor and guide them as they work their way to becoming a junior consultant. This guidance and training will take the form of a group training scheme and one on one training with the in house training team, directors, managers and senior consultants.
The successful candidate will be:
• Degree educated or degree calibre. Ideally a graduate from a top university.
• Bright, enthusiastic, dynamic and energetic.
• An excellent communicator with presence and gravitas.
• Entrepreneurial and keen to progress their career as fast as possible.
• A strong relationship builder, team orientated and target driven.
• Organised and analytical to their approach their work.
• The firm will show a huge investment in the new employee and so only a top candidate will be taken on board.
The successful candidate will be required to:
• Initiate and run searches from D level upwards in top investment banks and finance houses.
• Work cross border searches in partnership with the New York, Dubai and Hong Kong offices.
• Source, profile, approach and meet with prospective banking candidates.
• Maintain company records and keep the team up to date with expert market information
• Compile market maps, organisational information and in depth company reviews of top investment banks and finance houses.
• Build their own skill set to progress to become a consultant within 12 months.
My client currently has 3 roles at this level in multiple locations.
Please send your cv via the form below.
We help the UK's leading contingent and search recruitment businesses find, develop and retain the best talent to grow. For more information on our current vacancies, please do get in touch.


text:
to wealth of Knowledge
Product right after purchase
When you purchase tests, you are not purchasing the original models. Instead, you will receive a test that has been recreated over and over by over 300,000 test takers like yourself. You will receive a product created by a collaboration of students and specialists that is tailored to the exact needs of the test taker. Not a single feedback has gone unnoticed; every piece of input and opinion on tests has been used to improve the test again and again. This process is constantly perfecting our products and we are proud to proffer flawless certifications.
We want to provide the best products and experiences for our customers, and who knows what customers want better than their own customers? For this reason, we invite you to share any and all of your thoughts on all of our products. You don't have to limit yourself to exams; share your thoughts on our entire line of products. Tell us what you think, and help redefine tests, , IBM, and more! Your voice will be heard, and your valuable ideas could be the next great innovation in our products. So go ahead; click here and make a difference in the world of technology!


text:
ELGIN — This was not Auburn's preferred style. The Knights made more 3-pointers than two-pointers, got few fastbreak baskets off of turnovers and made only 8 of 19 free throws.
And yet No. 10-ranked Auburn easily beat Huntley 61-49 Tuesday in the semifinals of the Class 4A Elgin Sectional to advance to Friday's finals against the winner of tonight's South Elgin-Algonquin Jacobs game.
"It's survival this time of the year, so we're going to take the 12-point win," coach Bryan Ott said. "Whether it's 12 or 5 or 20, it doesn't make any difference as long as we're advancing."
Zayvious Hoover (12 points) gave Auburn the lead for good at 5-2 with the first of his four 3-pointers, but the Knights led only 14-7 after one quarter despite forcing nine turnovers. It was 25-18 at the half, but Auburn (26-5) had turned 15 Huntley turnovers into only one fastbreak basket.
Still, Huntley (21-8) never got closer that five points in the second half and trailed by as much as 57-40 despite one of Auburn's leading scorers, Antoine Pittman, going scoreless the first three quarters.
Auburn cruised because it forced 22 turnovers and shot 11-for-23 on 3-pointers.
"We shot the 3 amazingly," center Malik Minor (10 points) said. "We have so many guys in our starting lineup and off the bench that can shoot it from long range. That's a big part of our success."
Sometimes the Knights' act as if it's too much.
"Shot selection is an ongoing thing. ... We talk and talk and talk and talk about getting it inside," Ott said.
Amanze Egekeze, a 6-foot-8 Belmont recruit who had 15 points, nine rebounds and three blocked shots, was a big reason why Auburn had only six two-point baskets the first three quarters and 10 for the game. Still, Ott wanted to go inside more. But it was no fluke that Hoover, Laytwan Porter (12 points), Nylek Cobb (10), Minor, Jarquell Parker and Alonte Bjorlie combined for 11 3-pointers.
"They might not want to shoot 3s, but they shoot 3s very well," Huntley coach Marty Manning said.
And they press even better. Huntley was in trouble as soon as it had six turnovers and one basket in the first five minutes.
"You are not going to not turn the ball over against them," Manning said. "They are just too good defensively and they are too aggressive."
Auburn's 3-pointers and steals made Huntley's 28-14 rebounding edge irrelevant.
"In reality, we're a team full of guards," Minor said. "We try to beat people with our inside game, but tonight we did it more on the perimeter. We'll just take that and go on to the next game."
Matt Trowbridge: 815-987-1383; email@example.com; @matttrowbridge


text:
So this guy is convicted of "intimidating a victim or witness in the third degree". He wants to call a witness in his defense, and while she is waiting in the courthouse to testify, the prosecutor arranges to have her arrested.
Before she testifies. Ironic, don't you think?
Not a problem, says the Appellate Division.
She never winds up testifying (surprise, surprise) so we don't know what she would have said. Great. If you're the government and you terrify some defense witness out of testifying at all, you win. If you're a private individual doing the same thing – that is, even assuming this guy was guilty of intimidating a victim or witness in the third degree – you get charged and convicted after the government intimidates all your witnesses.
Nice incentives you put in place there, AD. Even the most mediocre intelligence at the police departments and prosecutor's offices can figure out what to do now when the defense wants to present some pesky witness that might jeopardize a conviction.
The timing and circumstances of the arrest here yield an inference that is all but mandatory. That the AD can disingenuously dance around that with a truly laughable feigned ignorance tells you everything you need to know about how the system in working in New York at present.
And in a seemingly unrelated story, a police officer is accused of fabricating evidence, only this time it isn't get the bad guy; it's to collect $350 in a small claim against a neighbor. But it isn't really unrelated.
Without getting into the merits of that case, the real question is: why wouldn't a cop do whatever he felt like doing to vindicate his position? It's only in the rarest of cases he word will ever be second guessed. The cop is just following his training.
And that comes down from the regional appellate court, setting the tone for the whole region. There could not be a clearer statement from the appellate court that witness intimidation, while a crime for everyone else, is a government prerogative.
This case will be little noted elsewhere, but CDL's should be up in arms about it.


text:
Texan Reavis Wortham is an award-winning writer and photographer whose humorous articles on outdoor life have appeared in magazines and newspapers such as Texas Sportsman, American Cowboy and Vintage Trucks. A retired educator, Reavis continues to reside in Texas with his wife, who has been the focus of several of her husband�s tongue-in-cheek columns and is obviously a lady of great patience, charm and a poor aim, as she hasn�t hit him yet.
Reavis�s humor and love of quirky characters resulted �Doreen�s 24 Hour Eat Gas Now Caf�.� If you�ve ever hunted or fished, �Doreen�s� is probably a good laugh you�ll enjoy for hours.
Last year �The Rock Hole� introduced the Red River Mystery Series featuring Ned Parker, an aging lawman in 1964, and his relatives and friends. The author�s combination of superb prose topping a recipe of mystery and suspense sprinkled with downhome humor quickly garnered much deserved attention.
�Burrows,� the second in the series, takes us inside a terror-ridden warehouse of trash, booby traps, and murder. Yet, within the story is a child�s purity matched with an aging character�s soon-to-come death that results in a tender connection of past and future. Interestingly, more than one reviewer, including Publishers Weekly, has likened this touching balance to Harper Lee�s �To Kill a Mockingbird.�
Q. How did the comparisons of �Burrows� against �To Kill a Mockingbird� change your opinion of your writing abilities?
A. Comparison to such a great work of literature is embarrassing, to say the least. I am humbled that the reviewer thought �Burrows� reminded them of such a famous and successful novel. It made writing much harder, though, because now I find myself overthinking what I�ve done.
When I�m writing, I�ve learned to never open books by Larry McMurtry, Lee Child, Robert Crais, Tim Dorsey or my friend John Gilstrap (to name only a few). These guys make it look easy, so I just plow ahead until deadline with a sick feeling of dreaded failure, and then send the manuscript in and hope for the best.
Q. Have you considered infusing your wife�s poetry into one of your stories?
A. My bride, who I call The War Department in my newspaper columns and magazine articles, has fun with poetry, but she has never tried to get published. I don�t have that knack, but maybe one of my characters, 12-year-old Pepper, can start writing poetry. That might be The War Department�s role in the next book as we watch Pepper grow older. My bride and I have co-written a few newspaper columns that came out surprisingly well, with few resulting injuries to my person.
Q. What or whom do you credit for your style of homespun humor?
A. I have to thank Pat McManus for his inspiration to commit humor, as well as the late writers Corey Ford and Donald Westlake. Those guys spin tales that make me laugh, but at the same time, the stories are real and give a sense of atmosphere and place. There�s always humor in everything we do, even in the worst moments of our lives, so I try to break up the tension to give the readers a break.
Q. Western, country, rural � whatever term a person chooses to brand the traditional style of a humorist with is fading. Do you believe it can be saved?
A. Publishers these days are asking for contemporary situations. That�s what sells, and when you deviate from what�s working, they get nervous. I am the humor editor of Texas Fish and Game Magazine, one of the few outdoor magazines that lists a staff humorist. Back in the day, Ed Zern and Corey Ford kept us entertained with their stories that were funny and atmospheric, but made us think. I believe that�s because America was 80 percent rural, and their small town guys were recognizable to a changing society. Today, we�re 80 percent urban, and too many folks find western, country or rural humor to be corn pone.
That said, Pat McManus still gives us chuckles in his monthly Outdoor Life columns, so traditional humor is still alive and well. Remember the days when The Saturday Evening Post printed funny columns? Today�s mainstream magazines have turned to sex, cooking recipes, sex, fashion, and fifty shades of sex, forgetting how it was when Prudence Macintosh and other humorists brought something different to the publication. We all need to stick with what brung us. The humorist can be saved if publishers lighten up and allow writers to produce work that is fun and clean.
Q. Any parting thoughts?
A. Well, my novels aren�t full of humor, and don�t expect the same thing from book to book. I have no formula, and although the main characters continue to reappear, each novel is different in some way.
Small-town life in rural America, specific ways of speaking and phrases that fade into oblivion from disuse are vanishing, so when I started �The Rock Hole,� I simply wanted to preserve those things and tell a good story about how simple people in their small communities deal with the outside influences of the world.
DA Kentner is the author of the acclaimed suspense novel �Whistle Pass.� http://whistlepass.blogspot.com/
The Readers' Writers: Author, humorist, journalist Reavis Z. Wortham
Texan Reavis Wortham is an award-winning writer and photographer whose humorous articles on outdoor life have appeared in magazines and newspapers such as Texas Sportsman, American Cowboy and Vintage Trucks. A retired educator, Reavis continues to reside in Texas with his wife, who has been the focus of several of her husband�s tongue-in-cheek columns and is obviously a lady of great patience, charm and a poor aim, as she hasn�t hit him yet.


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Atopic dermatitis is a long-term (chronic) skin disorder that involves scaly and itchy rashes.
Other forms of eczema include:
Atopic dermatitis is due to a skin reaction (similar to an allergy) in the skin. The reaction leads to ongoing swelling and redness. People with atopic dermititis may be more sensitive because their skin lacks certain proteins.
Atopic dermatitis is most common in infants. It may start as early as age 2 to 6 months. Many people outgrow it by early adulthood.
People with atopic dermatitis often have asthma or seasonal allergies. There is often a family history of allergies such as asthma, hay fever, or eczema. People with atopic dermatitis often test positive to allergy skin tests.However, atopic dermatitis is not caused by allergies.
The following can make atopic dermatitis symptoms worse:
Skin changes may include:
The type and location of the rash can depend on the age of the patient:
Intense itching is common. Itching may start even before the rash appears. Atopic dermatitis is often called the "itch that rashes" because the itching starts, and then the skin rash follows as a result of scratching.
The health care provider will give you an exam and look at your skin. A physical exam will be done. You may need a skin biopsy to confirm the diagnosis or rule out other causes of dry, itchy skin.
Diagnosis is based on the:
Allergy skin testing may be helpful for people with:
Daily skin care make cut down on the need for medicines.
Avoid scratching the rash or skin:
Keep the skin moist (called lubricating or moisturizing the skin). Use ointments (such as petroleum jelly), creams, or lotions 2 - 3 times a day. Choose skin products that are free of alcohol, scents, dyes, and other chemicals. A humidifier to keep home air moist will also help.
Avoid things that make your symptoms worse, such as:
When washing or bathing:
At this time, allergy shots are not used to treat atopic dermatitis.
Antihistamines taken by mouth may help with itching or allergies. You can often buy these medicines without a prescription.
Most causes of atopic dermatitis are treated with medicines placed directly on the skin or scalp (called topical medicines):
Wet-wrap treatment with topical corticosteroids may help control the condition but may lead to an infection.
Other treatments that may be used include:
Atopic dermatitis is a long-term condition. You can control it with treatment, by avoiding irritants, and by keeping the skin well-moisturized.
In children, the condition often starts to go away around age 5 - 6, but flare-ups will often occur. In adults, the problem is generally a long-term or returning condition.
Atopic dermatitis may be harder to control if it:
Call your health care provider if:
Children who are breast-fed until age 4 months are less likely to get atopic dermatitis.
If a child is not breast-fed, using a formula that contains processed cow milk protein (called partially hydrolyzed formula) may cut down on the chances of developing atopic dermatitis.
Infantile eczema; Dermatitis - atopic; Eczema
Atopic Dearmatitis, Eczema, and Noninfectious Immunodeficiency Disorders. In: James WD, Berger TG, Elston DM, eds. Andrews' Diseases of the Skin: Clinical Dermatology. 11th ed. Philadelphia, Pa: Saunders Elsevier; 2011:chap 5.
Greer FR, Sicherer SH, Burks, W and the Committee on Nutrition and Section on Allergy and Immunology. Effects of early nutritional interventions on the development of atopic disease in infants and children: The role of maternal dietary restriction, breastfeeding, timing of introduction of complementary foods, and hydrolyzed formulas. Pediatrics. 2008;121:183-191.
Lewis-Jones S, Mugglestone MA; Guideline Development Group. Management of atopic eczema in children aged up to 12 years: summary of NICE guidance. BMJ. 2007;335:1263-1264.
Ascroft DM, Chen LC, Garside R, Stein K, Williams HC. Topical pimecrolimus for eczema. Cochrane Database Syst Rev. 2007 Oct 17;(4):CD005500.
Bath-Hextall FJ, Delamere FM, Williams HC. Dietary exclusions for established atopic eczema. Cochrane Database Syst Rev. 2008 Jan 23;(1):CD005203.
Updated by: Kevin Berman, MD, PhD, Atlanta Center for Dermatologic Disease, Atlanta, GA. Review provided by VeriMed Healthcare Network. Also reviewed by A.D.A.M. Health Solutions, Ebix, Inc., Editorial Team: David Zieve, MD, MHA, David R. Eltz, Stephanie Slon, and Nissi Wang.
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A.D.A.M., Inc. is accredited by URAC, also known as the American Accreditation HealthCare Commission (www.urac.org). URAC's accreditation program is an independent audit to verify that A.D.A.M. follows rigorous standards of quality and accountability. A.D.A.M. is among the first to achieve this important distinction for online health information and services. Learn more about A.D.A.M.'s editorial policy, editorial process and privacy policy. A.D.A.M. is also a founding member of Hi-Ethics and subscribes to the principles of the Health on the Net Foundation (www.hon.ch).
The information provided herein should not be used during any medical emergency or for the diagnosis or treatment of any medical condition. A licensed physician should be consulted for diagnosis and treatment of any and all medical conditions. Call 911 for all medical emergencies. Links to other sites are provided for information only -- they do not constitute endorsements of those other sites. Copyright 1997-2013, A.D.A.M., Inc. Duplication for commercial use must be authorized in writing by ADAM Health Solutions.


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Stukenbrock Safari Park in the Teutoburg Forest offers a mix of safari adventure and theme park fun across 65 hectares of beautiful grounds – a sensational attraction for the whole family!
On a wildlife adventure at Stukenbrock Safari Park you get to see animals roaming freely in huge outdoor enclosures – either from your own car or the safari train. You'll discover more than 600 animals, including elephants, camels, giraffes, monkeys, rhinos, antelopes and zebras. Don't miss the rare opportunity to see white tigers and white lions, of which there are only around 100 left in the world. In the monkey enclosure you can see Barbary apes, or hop on the Ape Express train for a chance to feed the animals. For an extra special adventure book the VIP safari, on which a senior zookeeper gives up to six guests an unparalleled insight into the park's animals. The theme park at Stukenbrock puts the focus on entertainment and rides, including a whole host of attractions for smaller children. In the kids' adventure zones they can climb around the jungle palace, bounce on trampolines, ride the flying elephants or the ladybird rollercoaster, make a splash and cool off in the Langnese water paradise or take a spin in the teacups. And it doesn't end there, the little ones can also pilot boats, drive a mini car, fly in the Red Baron, ride ponies and do plenty more besides.
There are plenty of thrills and spills for older children, teenagers and adults too at Stukenbrock Safari Park. While the high-speed Congo River water ride and Kontiki the swinging boat are ideal for the whole family, only the very brave should try the extreme drop tower Giraffe, the Black Fly and the Flying Oil Pump. These rides are guaranteed to raise adrenaline levels to the max and make the loop-the-loop rollercoaster, complete with cobra roll, almost seem like a tame option! Between rides, don't forget to check out the programme of shows. There's a circus show starring animals, clowns and acrobats, a hilarious Wild West show with colourful dance routines and show elements, and the Hollywood Theatre show – all perfect for taking a breather. With so much to see and do, you and your family will have a wild day out!
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Flights to Dubai from Amsterdam
Find cheap flights
Flights to Dubai from AmsterdamFlights Amsterdam - Dubai fly from Amsterdam to Dubai at the best prices in the market. Flights from Amsterdam (Amsterdam - Schiphol) to Dubai (Dubai, Dubai World Central-Al Maktoum) with Destinia. To search for availability and reserve your flight Amsterdam - Dubai look at the box above and select the departure and return date as desired. You can also buy several airplane tickets Amsterdam (Amsterdam - Schiphol airport) - Dubai (Dubai, Dubai World Central-Al Maktoum airport) at the same time, by selecting the adults, children and babies travelling. You can filter the type of flight if you only want direct flights to Amsterdam - Dubai, multiple destinations or flight stopovers.
InformationAmsterdam and Dubai are 5145 kilometres away from each other, with an estimated flight time of 07:21 h (this may vary depending on the weather or air routes)
Airports near Dubai
All Dubai airports
Flights to Dubai
Flights to Dubai (United Arab Emirates) most sought after by users, in the following chart we show the flights from some important cities to Dubai (United Arab Emirates) .
Top destinations in United Arab Emirates
Book your flights now from Dubai (United Arab Emirates) to the most important cities in the world. The box below contains flights from Dubai (United Arab Emirates) to the most important cities.
- Flights to Abu Dhabi
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Shop Thunder's full range of folding, fixed solar panels, regulators and connectors
- Designed for harsh Australian climates, Thunder's range of solar panels have revolutionized power output.
- Functional camping setups have become so much easier with Thunder's most affordable solar panel range yet!
- A true camping essential whatever your power needs are.
- Pair your Thunder panel with a DC to DC charger complete with a built in MPPT regulator, keeping your auxiliary battery charged when you drive so you get the most out of your adventure.
- Whatever your 12v set up is, Thunder has a full range of accessories to accompany you to your next trip!
Kickback and relax with zero running costs, Australia's most reliable solar panel range.
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Men's Bulova Diamond Accent Two-Tone Watch with Blue Dial (Model: 98D130)
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In 1924, Bavarian-born Adolf "Adi" Dassler famously created a high-performance athletic shoe for the world's top athletes. Olympians raced to gold medals and record times wearing the revolutionary adidas sneaker, including American Jesse Owens in 1936. Always at the forefront of footwear innovation and technology, the company is now also celebrated for its funky yet functional street-friendly designs.
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Kansas City authorities find teen handcuffed to pole in parents' basement
KANSAS CITY, Mo. -- Authorities say they rescued a frail 17-year-old boy whom they found handcuffed to a pole in his parents' Kansas City, Mo., basement.
Police said Wednesday that they are still investigating and haven't submitted a report to prosecutors to consider possible charges.
According to a police report, an officer and social worker found the teen Monday after someone called in a tip. Upon entering the basement they heard someone cry out: "I didn't do anything. I didn't do anything. I didn't do anything."
Police say the teen said he had been confined to the basement since his father pulled him from school in September. They say he looked very thin for his height and desperate.
The report doesn't disclose the name of the teen or his family.


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The unthinkable inevitable has happened: Gen Xers have become their moms and dads.
Yes, people who grew up as part of the MTV generation are making the shocking discovery that their lives today look remarkably similar to those of their Boomer parents, says a new study from the MetLife Mature Market Institute released Thursday.
Not only are the "slackers" of the 1990s now married with kids—even movie stars Winona Ryder, Ethan Hawke and Ben Stiller of slacker hit "Reality Bites" are all now 40-somethings—but they're also "as affluent, stable and saddled with responsibility as their parents were at the same age," MetLife reports, with just a touch of schadenfreude.
Middle-age members of Generation X have an average of 2.5 children, with 70% of Gen Xers living with a spouse or partner and 82% owning their own homes, though 17% of those report that the value of those homes is less than the debt attached to them, according to "The MetLife Study of Generation X: The MTV Generation Moves into Mid-Life."
A total of 1,000 interviews were completed by phone by GfK Custom Research North America for the MetLife Mature Market Institute between Nov. 29 and Dec. 19. Respondents were all born between 1965 and 1976.
In addition, the survey reports that 43% have remained in the same type of career throughout their working years and just more than 40% have been with the same employer for 10 years or more. Fully 75% are working full or part time, and most are part of a dual-earner household. Ten percent are grandparents, and many Gen Xers "are part of the sandwich generation because many are caring for both their children and their parents," MetLife says.
"The Gen Xers have suffered from the 'Marcia, Marcia, Marcia' syndrome since they've been compared with The Brady Bunch daughter, Jan, the frequently unnoticed middle child," said Sandra Timmermann, Ed.D., director of the MetLife Mature Market Institute, in a statement. "Because they followed the Baby Boomers, it took a while for them to make their mark. That was also due to the fact that they're small in number—just 50 million compared to 77 million Boomers—and entered the work force later than their predecessors."
Although many slackers entered, or failed to enter, the work force during the recession of the early 1990s, the economy was ultimately not too tough on the group, now age 36 to 47. Just 19% earn less than $35,000 per year, and 29% earn more than $100,000. They are arguably better educated than any generation before them, with 43% having graduated from college.
Perhaps the most compelling statistic of the MetLife study is the number of Gen Xers who look backward in comparing themselves with others. While the largest percentage, 41%, of Gen Xers said they identify most with other Gen Xers, a significant portion, 28%, identify with Boomers.
More stats from MetLife's GenX study:
Only 50% say they are behind on their retirement savings; they have relatively high ownership rates of 401(k) plans (66%).
Fully 70% of Gen Xers are not confident that Social Security will be there to provide benefits when they retire.
Most would like to retire at age 62, but believe working until at least age 67 is inevitable.
On average, Gen Xers own about four financial products, with those in higher income brackets much more likely to own more products.
The majority (63%) of Gen Xers still have both parents living and almost two in 10 regularly provide care for their aging parent(s).
Almost six in 10 Gen Xers report they exercise daily.
Approximately 20% have never been married.
Two in 10 Gen Xers have been married more than once.
Read Boomers Will Have $22T in Retirement Assets by 2020 at AdvisorOne.


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| The Item, Location, Quest, Mob or NPC referred to by this page has been removed from EverQuest II.
This article is being retained for historical reasons
|Adornments like this got replaced with LU55, you may find them ingame still but you can't craft em anymore
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|Obtain: Crafted by an Armorer using a recipe from Enigma of the Armorer Volume 7.
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Dear Sam,
Do you have any advice on how to make my small living area look nice? I'm a magazine and design TV junkie. I buy loads of furniture and pretty things that I read about in the glossies. I have an entryway/ catchall bench with storage cubbies (I've seen you talk about on TV), two white filing cabinets, a two-drawer chest beside my sofa and two freestanding shelves for books. I don't have that much space in my condo, but I can't seem to make my place look magazine worthy. I feel like my life is a mess, and that the drawers are always overflowing. I've also got a lot of plants. I was thinking of getting a couple of plant stands or a potting station. Thoughts?
Wendy Mercer
Oh dear Wendy,
I know this will sound elementary, but sometimes you just need to clean up the mess and more important, get rid of things.
Initially, I was hesitant to write a column on cleaning, but Martha Stewart's 120-page Special Collector's guide on organization, Organizing: Simple Strategies to Cut the Clutter (on stands until April 30) has inspired me to devote 450 words to homekeeping. Plus, I've seen enough spaces to know that the majority of us suffer from packrat syndrome. Yes, this is my diagnosis - you have the symptoms - your plant collection, for example, is a classic sign.
The first thing you need to do is get rid of all the surface junk such as piles of papers, magazines and bowls of clutter. Catch-alls aren't meant to be perpetually full. Next, go through all of your drawers and cubbies, tackling one compartment at a time. If you try to clear the clutter all at once, you will likely feel overwhelmed and never finish.
Make this William Morris quote your mantra: "Have nothing in your house that you do not know to be useful or believe to be beautiful." Donate everything else.
There should be an economy of things in your home. If you bring home something new or new-to-you, get rid of something old.
On that note, give away most of your small cabinets and chests. Bitsy storage makes a space feel busy. Replace three of your tiny storage solutions with a larger piece like the server in Tamara Robbins-Griffith's former small-space abode. Her server has sleek proportions, but can hold (or hide) a bundle. It's the ideal spot for dishes, stemware, taxes, a record collection ... Behind the doors of your server can be an absolute mess, and only you will know.
Above the server, hang shelves where you can display those pretty things that you shop for in magazines. Shelves are a great way to take advantage of vertical space in a small room. The secret to keeping your home looking pulled together is to group like things. There's a whole lotta white ceramic ware on Tamara's shelves. Notice the plant on the top shelf? It's a prop, existing only for the photo shoot.
You know where I'm going with this, Wendy: the plants must go too. Plant stands will take up valuable real estate and make your life feel more cluttered and messy.
Regarding the potting stand, are you pulling my leg? You don't have a garden or a green house. Keep one healthy plant, and give the rest away.
Save green thumb endeavours for the summer and keep the plants on the balcony.
I know I'm coming across as a bossy boots. But I have to confess, I have more than my share of designer wares. Do try to purge; it will make the biggest difference to your home, keeping in mind that it takes an army to clean and style the homes on TV and in magazines.
And, if you can't bear to part with your beloved things, rent a storage unit. I've taken entire dressers to storage without emptying or even opening the drawers. I bet Martha has multiple storage units. Trust me, they're worth the rent and you won't miss a thing.
Send your small-space question to firstname.lastname@example.com


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Babies R Us Scratch Free Mittens 3 Pack - Girl
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