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13 ways to get more Social Security
There are steps you can take now to substantially increase your Social Security payments during retirement.
This post comes from Renee Morad at partner site Money Talks News.
The average monthly Social Security benefit for a retiree in 2013 is estimated at $1,261, according to the Social Security Administration. That's just $15,132 a year -- for many people, hardly enough to live on.
Hopefully when you reach retirement, you'll have a nice nest egg to offset hurdles like vanishing pensions and unpredictable stock market returns. But either way, there are certain actions you can take today to boost your Social Security payments during retirement, and they can add up to thousands of extra dollars in your golden years.
Here are 13 things you can think about today to increase your Social Security payments during retirement:
1. Work at least 35 years
Social Security benefits are calculated based on your 35 highest-earning working years. If you work fewer years, you'll have years with zero income averaged in, which will lower your payout.
2. Ask for a raise
If you experience a jump in salary, you'll likely boost your future earning potential and may see an increase in your Social Security payments down the road because, as we just explained, Social Security takes into account the 35 top-earning years of your career.
3. Take a second job
The same logic applies: If you earn more each year, you'll likely increase the amount you get in Social Security when you retire.
4. Wait until full retirement age to claim Social Security
You can begin collecting Social Security benefits as early as age 62, but you might not want to: Your benefit will be reduced by 25% for life. To get your full payment, wait until you reach full retirement age -- 66 for anyone born between 1943 and 1954. For those born from 1955 to 1959, the age gradually rises toward 67. For those born in 1960, it's 67.
5. Better yet, wait until age 70
If you can afford to wait until age 70 to claim Social Security benefits, it'll pay off. Thanks to what the Social Security Administration calls "delayed retirement credits," benefits increase 8% each year you delay tapping into Social Security -- up until age 70. So waiting until you reach 70 means about a third more income for life.
When considering this strategy, it's particularly beneficial for the higher-earning spouse in a marriage to hold out until age 70 to increase the total benefits the couple will receive throughout their lifetimes. In the event that the spouse with the higher benefit passes away, the surviving spouse will receive the higher payment.
If you took benefits early and regret the move, it might not be too late to fix it. Under limited circumstances, you may be able to repay all the benefits you received so far and restart them at a higher level based on your age. For more details, check out this page on the SSA website.
6. Use online tools
If you're unsure about the best time to claim benefits based on your individual budget, health, life expectancy, or other factors, use online resources to help you decide. A good place to start is SocialSecurity.gov/MyStatement, where you'll get your personalized statement. This estimates what your benefits will be at age 62, at full retirement age, or at age 70.
Once you get estimates for both you and, if applicable, your spouse, there are other online tools that compare your benefits under various scenarios to help you determine the best claiming strategy. Consider AARP's Social Security benefits calculator.
7. Claim spousal benefits
If you're married, you have a choice: You can either take the benefit based on your work history, or half your spouse's benefit. So if your spouse earned a lot more than you did, and has a higher benefit as a result, compare and see which will pay the most.
You can also claim Social Security benefits based on an ex-spouse's work record if you were married for at least 10 years. Doing so doesn't reduce your former spouse's check or otherwise impact him or her. In fact, he or she need never know you applied.
8. Taking early retirement? Beware of outside income
If you start taking benefits before reaching your full retirement age, employment elsewhere can reduce your Social Security checks.
For example, say you started taking Social Security in 2012 at age 62 and your full retirement age is 66. For 2012, your benefit would be reduced by $1 for every $2 you earned in gross wages or net self-employment income above $14,640.
If you reached full retirement age in 2012, you could have earned up to $38,880 prior to the month you turned 66. More than that, and your benefit would be reduced by $1 for every $3 you earned.
After you reach full retirement age, you get your full benefit no matter how much you earn.
9. Claim twice
Let's say the husband is 66 and the wife is 62. If the husband files for benefits, the wife could opt for half her husband's benefit, while still earning money and letting her benefit grow. She can drop the spousal benefit and file for benefits based on her own work record whenever she wants. If she waits until age 70, she'll have the maximum benefit using her own history.
There are lots of strategies like this to maximize Social Security. As you approach retirement age, be sure and do lots of reading. This article from Kiplinger is a good place to start.
10. Benefits for your kids
When you start collecting Social Security benefits, unmarried dependent children under age 18 may qualify to receive benefits worth up to half of your full retirement benefit amount. This can include a biological child, adopted child, stepchild or dependent grandchild. He or she may also get benefits at age 18 or 19 as a full-time student (no higher than grade 12) or 18 or older if the individual has a disability that began before age 22.
11. Plan ahead for taxes
If the sum of your adjusted gross income, nontaxable interest income, and half your 2012 Social Security benefits exceeds $34,000 -- or $44,000 for couples -- up to 85% of your benefits may be taxable.
There's not much you can do about this, but there are a few strategies that might work. For example, if you earn interest from taxable savings and don't need the income, you could transfer those savings into a tax-deferred investment, like an annuity.
12. Do your due diligence
Read your Social Security statements to be sure everything has been reported correctly. Although inaccuracies are uncommon, some scenarios, such as a name change, lend themselves to a greater chance of error.
13. Clear your debts
Your Social Security benefits are protected from most debt collections, but they can be taken for federal taxes, federal student loan balances and child support or alimony. Clearing these debts will leave your Social Security benefits untouched.
More on Money Talks News and MSN Money:
- 8 Social Security myths exposed
- 8 surprising facts about retirement
- 10 money mistakes that can ruin a marriage
- Smart Spending on the go: Get our app for Android or iPhone
- CEOs: Raise retirement age to 70
- 6 changes to Social Security in 2013
It was wrong that the government changed the age of full benefits for those who were born after 1943. When I started paying into this scam known as social security I was suppose to receive full benefits at the age of 65, but now it is almost 67. You don't change the rules mid-stream because they are to your advantage. If they wanted to change it, it should have been for those who had not started working and paying into it yet.
Now they are talking about changing medicare to age 67 also. How do they expect jobs to open up for the younger generation coming into the workforce if they have to pay thousands a year into a bottomless pit of insurance premimums?
Our government is loaded with schemes to rip off the working person and give it to the scabs who sit on their butts and do nothing. Pretty soon (if not now), it is like, Why work?
I also agree with others that SS will not be around when I come of age to collect, or they will tell me since I did what I was suppose to and put away for my retirement, I don't need it so I cannot collect.
My $0.02 worth.
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Detroit Police searched two homes Tuesday after a suspect in court announced he had booby trapped them.
Joel Suminski was in court for sentencing on other charges, including making homemade explosives that were found in his home in May 2012. Suminski made a comment during that court appearance that lead authorities to believe his home and the vacant home next door had bombs inside.
Suminski reportedly announced out loud in court, "I booby trapped my old house."
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Bomb-sniffing dogs were even called in before the authorities gave the all-clear. No bombs were said to have been found.
Suminski is out on bond at this time, but police say he will be picked up again for questioning.

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This 2012 documentary challenges the assumption that slavery in this country ended with the Emancipation Proclamation. It describes how systems of involuntary servitude took the place of slavery with shocking force, lasting well into the 20th century.
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text: How 'bout them Seahawks! Fresh off an impressive 29-3 win over the 49ers, expectations are sky-high for Pete Carroll's bunch. SWX's Sam Adams made the trip to Seattle and captured some surreal images of fans and players, and we've put those images together in a slideshow that will help you re-live some of the game's best moments.


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MLB scout Scott Richardson, northwest supervisor for Angels Baseball out of Anaheim, had a stack of papers for Wesely to sign, each outlining his benefits and responsibilities as a new member of the Los Angeles Angels organization.
By the time he was done, Wesely had his first pro baseball contract, and was still reeling from the whirlwind of activity that has surrounded him ever since being selected in the 11th round of the MLB draft on Saturday, June 8.
"It's a very surreal experience to finally become an Angel," Wesely said. "It's a real dream come true for me."
Wesely now heads to Tempe, Ariz., on Friday, June 14, to join the rookie-class Arizona League Angels.
Wesely said he's ready for the next step.
"I'm really excited," he said. "I'm just going to stick to the Bulldog baseball mentality that I learned at Tracy High School."
It's a mentality defined by consistent hard work and self-motivation, according to Tracy High baseball coach Vic Alkire.
"I've never had to encourage him to work harder," Alkire said. "It thrills me that all of the hard work on his part is being recognized."
The Angels have followed Wesely, a 6-foot-2, 205-pound left-handed pitcher, since his junior year, when Richardson saw him pitch against Lodi High in April 2012.
Wesely struck out six batters over 2 1/3 innings, but also loaded the bases in the bottom of the third and gave up a grand slam on the way to a 7-1 loss for Tracy.
"Even though that first time I saw him wasn't his best game, he showed all of the tools that we look for," Richardson said. "He's a strong physical kid. After that he's got arm strength. He's got a very quick, strong arm — I'd say he was 93, 94 mph — and he's left-handed. I knew I would go see him again in his senior year."
Richardson followed Wesely through the 2013 season, including his return to Zupo Field on April 24, when he struck out 14 Lodi batters over six innings for an 8-4 win.
The Angels figure Wesely's speed and control will continue to improve under the team's pitching coaches.
"We want to see that rate of development that Jonah has shown from the first time I saw him until now. His command has gotten better, he's gotten a little stronger, he's throwing more quality strikes. His breaking ball has gotten better."
Wesely begins work on Saturday, June 15, at the Angels spring training center in Tempe. The Arizona League begins its 56-game season on Thursday, June 20.
"They'll jump right into playing baseball," Richardson said. "Before we start changing your mechanics or changing your pitches, we want to see what you can do against better competition."
While Wesely now has his first professional baseball contract, he still has a lot of work ahead of him before he gets a major league paycheck. Richardson said all first-year players make $1,100 a month.
"You still have to grind your way through the minor league process," he said. "Enjoy it and have fun, but the big dollars don't come until you sign that first major league contract."
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Canyon, TX - Wind energy is picking up steam across the U.S., and especially in Texas, accounting for about seven percent of the state's total electric output. But in most cities, there are very specific restrictions on where turbines can and cannot be erected. And now one Canyon man wants his city to lift some of those restrictions.
Casey Dobbs installed some wind turbines on his home late last year, and has since produced all the electricity he needs and then some - and he feeds the extra energy back into the city's power grid. But the city recently ordered him to take them down, as they are a violation of city policy.
"They have told me I have ten days to remove these wind generators," says Dobbs, "which do produce clean energy, and actually put energy back into the grid for free, or face fines of upwards of 10,000 dollars."
Canyon city policy bans wind turbines completely from residential areas, as city manager Randy Criswell explains, "If that were a commercial zone, then he would have to comply with all the other requirements which would be setbacks and spacings from the property line, and maximum heights, and that sort of thing. The reason that particular location is illegal is because it's a residential zone."
Criswell Say the reasoning behind the policy is based on both public safety and simple aesthetics, saying, "If every house had a windmill, we felt like that would detract tremendously from the attractiveness of Canyon, Texas."
"I don't believe these to be an eyesore," says Dobbs. "They are quiet, efficient, and they are no more aesthetically unpleasing than a windmill in your front yard, or a flagpole with a flag on it."
Dobbs says he will comply with the city's order, but plans to start a petition to ask the city to change their current policy.
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Application startup usability
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Created: User:Rahulsingh1m (25 Jun 2009)
Last edited: hamishwillee (07 May 2012)
Application startup should follow these usability guidelines
- Starting an application should not take much time, ideally 4-5 sec should be OK. If the application startup is taking more time, a splash screen with a progress bar should be provided.
- During startup if any audio/video clip is played, the user should be able to control the sound.
- High priority system events like incoming call should be given priority.
- Low memory conditions should be handled properly.
- By default, application should not start by its own. If the application features auto-start at reboot, users should be given an option to reset this behaviour.


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Video playback and graphics team uses Adobe Creative Cloud and plug-ins from FxFactory to create period-specific news content.
Fearless filmmaker and innovator, Graham Elliott, explores the world of creativity with help from Adobe Creative Cloud.


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Gerald I Shulman MD, PhD
George R. Cowgill Professor of Medicine (Endocrinology) and Professor of Cellular and Molecular Physiology; Investigator, Howard Hughes Medical Institute
Departments & Organizations
Yale Combined Program in the Biological and Biomedical Sciences (BBS): Molecular Medicine, Pharmacology, and Physiology
Mouse Metabolic Phenotyping Center
Cellular & Molecular Physiology: Epithelial Transport of Ions and Solutes | Organ Physiology | Physiology of Human Disease | Physiology and Integrative Medical Biology Track | Graduate Program in Cellular and Molecular Physiology
Internal Medicine: Endocrinology: Diabetes Center | Diabetes Research Center
Center for X-Linked Hypophosphatemia, Yale
Research Interests
Molecular mechanisms responsible for insulin resistance more...
- BS, University of Michigan, Ann Arbor, MI, 1974
- M.D., Wayne State University, 1979
- Ph.D., Wayne State University, 1979
Selected Publications
- Shulman GI, Rothman DL, Jue T, Stein P, DeFronzo RA, Shulman RG. Direct quantitation of muscle glycogen synthesis in normal man and noninsulin-dependent diabetics by 13C Nuclear Magnetic Resonance Spectroscopy. N Eng J Med, 322:223-8, 1990.
- Rothman DL, Magnusson I, Katz LD, Shulman RG, Shulman GI. Quantitation of Hepatic Glycogenolysis and Gluconeogenesis in Humans with 13C NMR. Science, 254:573-6, 1991.
- Dresner A, Laurent D, Marcucci M, Griffin ME, Dufour S, Cline GW, Slezak LA, Andersen DK, Hundal RS, Rothman DL, Petersen KF, Shulman GI. Effect of free fatty acids on IRS-1 associated phosphatidyl inositol 3-kinase activity. J Clin Invest, 103:253-9, 1999.


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Air cooled 6 cylinder with optional 4 carbs, 140 hp, automatic transmission, dual exhaust, factory AM radio, padded dash, wire wheel covers, dual mirrors,... More


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It took a local tragedy , in 2007, to prompt us to get swimming lessons for my son, Alex.
Alex enjoying time in the pool in 2008Some Autistic children LOVE water and will do anything to go for a swim. Alex is one of those children. He has a sensory processing disorder. There are two camps, sensory seeking or sensory avoiding. I'll explain this by telling you that Alex is sensory seeking. His brain will crave sensory input and he will engage in an activity until his brain has gotten it's fill. Sometimes he'll get locked in what I call a 'sensory loop' and will repeat a behavior to the point that he is crying because he can't stop. I once found my son, sitting on a kitchen counter, eating a bag of fire hot Cheetos. His mouth was covered in the powder, tears streaming down his face, all while he kept putting them in his mouth.
It could be motion based sensory input he needs. If that's the case, he may spin in circles until he can't anymore. Then take a break and repeat. This can sometimes mean that he and I dance until he has had enough.
It could be visually based. He may watch a scene from a movie over and over until he's gotten the stimulus he needs. I will sometimes join in and do the voices of the characters. I have a wicked Mike Wazowski and Wing Commander T.I Fowler impersonations.
It is his need for impact or body pressure that can be the most troubling. He will suddenly drop to his knees on a hard floor. Jump up and down and shake my house or his strong desire to get into water. If you think about it, water is a very dense liquid that is readily accessible and it envelopes you as you get in. For a parent of child that sometimes craves this kind of input, it can be very frightening.
Sensory avoiding children find that certain things overstimulate them instantly. They aren't 'wired' for particular sensations. Stories of children who scream when they wear a cotton shirt because it feels like their skin is on fire, are not uncommon. Certain frequencies of sound can cause these children to panic. Like with everything else, you can get a mixture of the two camps. Seeking some sensations and avoiding others.
The summer of 2007 was the year of the tragedy I mentioned earlier. I have Alex, every weekend. My ex-wife had heard of the plight of this child and wanted to help. She could easily put herself in that position and empathize with what that family was going through.
I remember her teary phone call, mid-day on Saturday, with complete clarity. How scared she was for the child, the feelings of motherly fear for a child who could have been lost in the woods or worse... in the water. As my ex-wife helped in the search for Benjy, she started to get a picture of what sensory needs this lost child had. The more she found out, the more she found that Alex was just like him. I listened to her accounts of the days events and she and I agreed that getting Alex swimming lessons, at the YMCA, was the best thing we could do for him.
The story of the missing child did not end well. He was found, days later, in a pond that was not far from the house. My ex-wife and I shed tears for this child we didn't know, yet felt we knew all too well.
Fathers Day, 2012. Alex is contemplating going for a swim but is stopped by the weeds in the water.
I spend Tuesday evenings, with my son, and I now get to take him to his lessons at the Y. Alex can tread water, very well. He can dog paddle pretty well too. Floating and swimming on his back is the current goal we are striving for. He has a hard time coordinating kicking his feet and moving his arms, though. The instructors he's had, over the years, have been college students that like to work with special needs children. I admire their patience and dedication to teaching our son or the other special needs children to swim.
Little do each of these instructors know how the time they've spent, teaching our son to be safe in the water, also helps us sleep better at night.


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To every thing there is a season, the Good Book says, and in Michigan workplaces the season of freedom is arriving at last.
Republican legislators voted Tuesday to make Michigan the 24th state in the nation to protect an essential civil liberty: the right to work for a living without being required to join or pay money to a labor union. Governor Rick Snyder signed the new laws — one dealing with private-sector employees, one covering government employment — a few hours later, hailing them as "pro-worker and pro-Michigan."


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Next, you'll be asked to connect with Twitter. Rest assured, we will never send a tweet from your account without your permission.
RT @SeeSawMe: #Instagram surpasses Facebook and Twitter usage among teens (Study). @B2Community
RT @HeyJK: #Twitter Reaction to Events Often at Odds with Overall Public Opinion via @PewResearch #nptech
Nonprofit PR in the Twitter Age: via @Philanthropy
Heh. @christinelu knows how to induce a phone call better than almost anyone I know: "I just increased our valuation." She says.
The only Quora I've ever answered: "How to sell to Google for $25M?" A: "Turn down their $6B and go public":
How to successfully harness your email list for your cause: via @socialbrite
Cool! #GoodxGlobal at #SXSW: Highlighting the local/global power of social good, tech & entrepreneurship
RT @christinelu: "Tech's new entrepreneurial approach to philanthropy" [USA Today]
Why would a Foundation go to #SXSW? @philanthrogeek tells us:
Next stop Dallas and the studiogood team. #legroom #sxsw @ Austin Bergstrom International Airport (AUS)
Excellent #sxsw recap by @jowyang, as usual.
RT @tscottcase: DUEL: #petespianobar time at #sxsw cc @allieb37 @HeyJK @cfnoble #startupamerica
RT @rands: All the shit that happens to you just makes the story better.
RT @TweetCMF: Why come to #CMF13 in May? To 'Get Your (Legal) Story Straight' w/ the fabulous Ed Chansky #causemarketing
RT @HuffPostImpact: Story of homeless undocumented teen sets #Oscars history
RT @SteveCase: Disrupt & Conquer: DC Fosters Startup Revolution #DCtech @1776DC #StartupDC #StartupAmerica
RT @SteveCase: @CoryBooker: Startups Will Define America's Future #Amen #StartupAmerica
RT @tscottcase: DUEL: #petespianobar time at #sxsw cc @allieb37 @HeyJK @cfnoble #startupamerica
Facebook messages, LinkedIn Messages, and (seriously??) Skype messages? My next startup is gonna be called Foxhole.
Is @biz's new startup a home for do-gooders in social? via @drew @TechCrunch
RT @SteveCase: Disrupt & Conquer: DC Fosters Startup Revolution #DCtech @1776DC #StartupDC #StartupAmerica
RT @startupamerica: #crowdfunding is ripe for disruption, so which #startup is going to tackle it? #StartupLIVE
A year later, @reidhoffman's #Startup of You still worth a read: ht @keyinfluencer
RT @SteveCase: @CoryBooker: Startups Will Define America's Future #Amen #StartupAmerica
Cool. @nytimes invites media startups to work out of their HQ: via @springwise
RT @LuxurySociety: Western Luxury Brands Celebrate Chinese New Year, Year of the Snake
Excited about Year of the Snake, although I'll still be writing Year of the Dragon on my checks for weeks. #cny #oldjokes cc @christinelu
RT @Zagat: Chinese New Year in LA: 3 Feasts to Celebrate the Year of the Snake
Seems like this whole Year of the Snake thing is a big deal in Vegas. #latergram @ Venetian Resort & Casino
It occurs to me that by the time I reach *my* 70's, we may have a Pope willing to do the Python "Spanish Inquisition" bit. #worthwaiting
Pope 2005 vs Pope 2013. Awesome view of St. Peter's and the pace of change by @NBCNews:
Odds on the next Pope, via @nauset9 (who always plays the longshots to show)
The nominees for best resignation: Pope vs. Jobs #heh via @wired


text: The Younger Comparativists Committee of the American Society of Comparative Law will host its second annual conference April 18-19 at the I.U. Robert H. McKinney School of Law in Indianapolis. The purpose of the conference is to highlight, develop and promote the scholarship of new and younger comparativists, defined as scholars who have been involved in comparative law for fewer than 10 years. More than 130 younger scholars from around the world submitted abstracts in response to a "Call for Papers" issued last September. More than 80 younger scholars who have been involved in comparative law for less than 10 years as well as a select group of graduate students are slated to present their research at the conference covering a wide range of topics in comparative private and public law. For more information and a draft of the conference agenda, please visit: http://indylaw.indiana.edu/YCCconference/


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Find teen jobs in Blades, Delaware. When you are looking for Part Time Jobs, Summer Jobs, Seasonal Jobs, Student Jobs, or Teen Jobs. TeenJobSection.com has the best resources to help you find the job you are looking for in Blades, Delaware.
Our resources will take you through the entire proccess from finding the jobs, to the resume, to applying, to the interview, all the way through the selection proccess and being hired in Blades, Delaware. Were here to help make finding a job a easier so user our resources and find your next teen job, or part time jobs with us.
Here are some local resources for helping you find a job in Blades, Delaware.
City of Blades Website
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Budget enforcement procedures, biennial budgeting, credit reform, capital budgeting, line-item veto, and fair-value accounting: Welcome to CBO's Inside Baseball category. This topic brings together the agency's work on budget concepts, the budget process, and possible budget reforms.
Use this menu to filter CBO's publications by topic. From January 2011 forward, all the agency's products are categorized by topic. Cost estimates released prior to the 112th Congress are not categorized by topic.


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Aspen Neck and Ridged Lace Cowls
As I mentioned yesterday, I made two other cowls last month.
Pattern: Aspen Neck Cowl
Yarn: Jo Sharp Alpaca Silk Georgette in Pearl, a gift from Christine
Needles: US 4
I thoroughly enjoyed knitting with this yarn! It is so luxurious – soft, warm and shiny! I would most certainly call it bling for knitters.
The Aspen Neck Cowl is supposed to have the purl side out but I rather prefer it with the knit side out. I love those purl ridges. They were, in fact, the inspiration for the second cowl.
For lack of a better name, I'm calling this the Ridged Lace Cowl and you can find the free pattern here. The stitch pattern is so simple that I am not even going to bother with a pdf. If you decide to knit it, please let me know what you think!
Pattern: Ridged Lace Cowl
Yarn: Elsebeth Lavold Angora
Needles: US 8
Here is a closer view of the stitch pattern, although the color is a bit washed out. Bright orange is difficult to capture! The photos above are better representations of the color.
Stay tuned for some Nancy Bush socks!
23 comments so far
Both are absolutely gorgeous!
Those are great cowls! I love that these patterns give you a chance to use a little bit of luxury yarn for a great finished object.
cowls cowls everywhere! these two are fabulous.
I love both those cowls. The Ridged Lace Cowl is especially appealing. Love that texture.
You have the cutest cowl model ever! :) I really enjoyed seeing your projects – they're beautiful.
Two gorgeous cowls on two beautiful people! I need to get cowling!
cowls everywhere! i love the lace one – that may be my next cowl!
cowls rule. cute models also rule.
There's just something about a cowl on a gorgeous, gorgeous baby. :)
The cowls are, of course, beautiful. But the models…sublime.
That's a beautiful cowl pattern!
The Ridged Lace Cowl is great!
Those are great! Congratulations!
Cute baby in cute cowl! Pretty Elinor in pretty cowl!
Love the cowls. My son has ordered one for when he's riding his motorcycle. Says his neck gets cold.
Love the cowls especially the Ridged Lace. Wonder if I have any stash I could use.
[...] cowl swap has already produced a few patterns. Nova, Elinor, and Caro [Ravelry link] have posted free ones already, and Minty's stunning cowl-to-end-all [...]
All your cowls are beautiful – as is your lovely little model! I just knit your Ridged Lace Cowl. I modified it slightly – because I used a different yarn and I wanted it a bit wider. I turned out great! Actually, I'm wearing it now- though I wouldn't need it in the warm summer weather we have now. But I finished it yesterday, so I just have to, of course…
Anyway – there is a mistake in your pattern, as you have added an extra yo. You have written : *yo, k1, yo, k2, yo, sl1, k2tog, psso, k2*, but the yo between K2 and sl1 must be wrong, so that the correct pattern is: *yo, k1, yo, k2, sl1, k2tog, psso, k2* I tried a couple of times, but of course I didn't get it right. Thanks to your great picture of the stitch pattern, though, I figured out what was wrong – and then the pattern made perfectly sense, and was very easy to follow.
Also I only knit the repeats – if that's the right English term. Anyway – I mean the part mentioned above. That means that I didn't include the ssk before or the yo, k1, yo, k2, k2tog after. I did for the first rows, but then thought it would be prettier if I only used the repeats and modified it so as to be able to do that, and it worked out fine.
Anyway – thanks for the pattern – I know I'm going to use my cowl a lot!
[...] quick project, most definately portable that could be done in a matter of hours. After seeing many many many cowls out there I finally decided to give one a go and see what all the fuss was [...]
The ridged lace cowl is so lovely and so easy to knit. You get maximum appeal with a minimum of concentration. It make patterned knitting fun without frustration!


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By Tom Watkins and Ben Brumfield
As if the East Coast hadn't gotten the point by now, Mother Nature drove it home yet again -- that this is winter, hear it roar.
The nor'easter that earlier this week threw sleet, snow and freezing rain across the South is pounding an icy path up though Maine on Friday, burying parts of the Northeast under a foot or more of snow, the National Weather Service said.
Snow was predicted to fall at a rate of 2 to 3 inches per hour in the northernmost regions.
Near Philadelphia, freezing rain made roads slick.
But there and in New York, the storm abated by sunrise, when a winter storm warning ended, CNN meteorologist Samantha Mohr said.
By nightfall Thursday, the New York metro area was already heavily cloaked in white: The National Weather Service reported up to 11 inches in the Bronx, 14 inches in Fairfield, Connecticut, and more in East Rutherford, New Jersey, which hosted the recent Super Bowl.
And that's not all. A system is predicted to move through the Midwest on Friday and drop 1 to 3 inches of snow, then move into the Northeast on Saturday and drop a similar amount.
But wait, there's more. On Saturday, a fast-moving system is predicted to form in the Midwest, dropping another 1 to 3 inches of snow, then move into the Northeast, where only a scant accumulation of snow is predicted.
The Northwest is not being spared unsettling weather. Showers and mountain snow are predicted through the weekend in some areas, with a flood watch called for coastal Oregon, including Portland. As much as 6 inches of rain are predicted from Friday through Sunday.
Enough already; really
For some, it was not so much the latest snowfall, but the relentless pace of the storms.
That's why New York Mayor Bill de Blasio told reporters Thursday: "Welcome to winter storm six of the last six weeks."
And as New Jersey Gov. Chris Christie said before the worst of the storm hit: "This has just been a brutal winter where it never really has gotten warmer. And so the natural melting away of snow and ice is not happening."
At least 16 deaths have been blamed on the latest storm. Three of them were in Howard County, Maryland, where three men -- ages 45, 55 and 57 -- suffered suspected cardiac arrest "while in the act of shoveling snow," county spokesman Mark Miller said.
There were three deaths apiece in Texas and North Carolina, including one in a rural part of the latter due to a falling tree limb. And in the New York City borough of Brooklyn, a 36-year-old pregnant woman died after being struck by a tractor that was clearing snow. Her nearly full-term baby was delivered by cesarean section at a hospital and was in critical condition.
Power out, planes grounded
Farther south, efforts on the electrical grid were making headway, with the number of customers without power early Friday dropping to slightly more than 489,000, down from 625,000 outages late Thursday.
The bulk of the outages remained in the Southeast, where more than 190,000 customers in Georgia and a similar number in South Carolina remained without power.
New York State had slightly more than 3,300, and New Jersey had fewer than 1,200.
As the storm shifted north, so did the flight cancellations.
In Atlanta, where balmy weather Thursday melted the ice that had emptied the highways of vehicles since early in the week, operations have returned to normal at Hartsfield-Jackson International Airport, according to Flightaware.com, which tracks flight cancellations and delays.
But on the other end of the storm -- in New York, Philadelphia and Washington -- cancellations and delays were piling up. Early Friday, more than 1,100 flights within, into or out of the United States were already canceled.
But that may represent an improvement.
More than 6,500 flights were canceled Thursday and more than 4,000 were delayed.
Early Friday, Newark-Liberty International Airport was leading the list, with one in four flights canceled.
Other New York-area airports were also affected. "Now, we just have to wait and wait and wait until our flight goes out," said a girl in LaGuardia Airport, where her flight to Miami was canceled. "I want to sink in the pool and relax, so I'm trying to keep my hopes up," she said.
Rail and road
Amtrak suspended some service in the Northeast, South and Mid-Atlantic regions Thursday, but canceled only two long-distance services for Friday.
In New York, Thursday's snow caused tractor-trailers to jackknife, prompting authorities to ban commercial traffic on Interstate 84, a major east-west highway.
In Wellesley, Massachusetts, a woman went into labor while stuck in ice-bound traffic Thursday, CNN affiliate WCVB Boston reported. She gave birth in an ambulance as it arrived at a hospital.
Relief from the elements is on its way as higher temperatures from the South move northward. Highs on Friday are predicted to be in the 40s as far north as Richmond, Virginia.
Warmer weather should be melting ice in the Northeast by the middle of next week.
CNN's Greg Botelho, Sherri Pugh and Chandler Friedman contributed to this report.
™ & © 2014 Cable News Network, Inc., a Time Warner Company. All rights reserved.


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historic luxury Woodbridge, Tasmania, Australia
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All of that sounds good. Also, glad to know I'm not the only one who can't sleep and is staying up this late posting...lol. I am bringing at least my regular stroller for Ethan (and it reclines which will work if he falls asleep). DH suggested the double stroller b/c Andrew sometimes likes to ride in that, but neither seat in it reclines, so it would pose a bigger problem like you mentioned.
Anyway, looking forward to meeting you in person and I know we will have an awesome day. Have a safe trip.


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Douglas and Bec – A Family Business.
Douglas and Bec is a design studio and store.
We are based in Auckland, New Zealand with a new location in Collingwood, Melbourne.
Our Story
Douglas and Bec - first established under the name Workroom Design - has been producing furniture and lighting since 2006. Designer Bec Dowie started the business with her father Douglas Snelling, and the pair were later joined by Bec's husband Paul Dowie.
All of our furniture and lighting is handmade by Douglas, in his Clevedon workshop, with help from some very talented local artisans. Our collection features materials such as oak and American ash and has grown to include spun metals, copper, brass, linen, leather and blown glass.
We work closely with architects and designers on exciting commercial work worldwide from restaurants and hotels to fashion retail stores.
Our online store and retail locations in Auckland and in Melbourne stock the Douglas and Bec range along with art and design pieces from around the world, with a focus on creators with an artisanal ethos who produce thoughtful, innovative work.
Portrait by Kristoffer Paulsen.
Landing page images are taken by Bec and Paul Dowie - a photographic journal of the area surrounding where they live and work.


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Rated 4.5 out of 5Â by 58 reviewers.
Men Fitness & Training Apparel
Reebok ONE Series Board Short
Black (Z21032)
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Rated 5 out of 5Â by DiscoDave Great shorts for any workout. These shorts were a great buy! They provide very adequate comfort for any type of activity. They stretch really well for squat movements. One of my favorite shorts for Crossfit. 6/24/13
Rated 5 out of 5Â by Slimjim256 Love this shorts These are by far the best shorts I have ever owned in my life. The mobility in them is second to none. I've had all the other brand gear but these short put anything they offer to shame. I'm 5'6" 215 lbs, this shorts fit perfect not to long and not to short. To long for my size make me look shorter. Have a perfect fit, i measure the shorts Inseam 10. Love them and very comfortable. 3/24/14
Rated 5 out of 5Â by CaptainFitness These shorts are light and extremely comfortable. Great shorts. Perfect for warm weather. I can't wait until the weather gets warm enough to water these. The colors are great. I advice everyone to buy more than one of these pairs. Your going to like them so much you will want to wear them everyday. I normally wear medium but medium was a bit big. I had to switch them did the small. I am a 31 inch waist, 5'8" 178lbs. 2/5/13
Rated 3 out of 5Â by Ken1212 Great Workout Shorts with a Few Drawbacks Overall, I like these shorts and they're good for all around fitness training. The material is light and dries fast and the waste band elastic and thickness is great if you are doing any core/ab work on the floor where thick wasted shorts can hurt your back. However, for anyone with a leaner waste and muscular legs, these shorts taper somewhat, so that they are tight around your legs when squatting or lunging, even though they stretch well. Also, for some reason the sewing a little weird at my hips and the fabric kind of puffs out like an old school polo player. So I probably wont wear these out on the town, but they work out alright for my workouts. 7/29/14
Rated 3 out of 5Â by Orry They run BIG! I wear XL shorts in every brand known to man. The shorts are very comfortable and have just the right amount of looseness, but the waste is freakin HUGE! The shorts may be size XL, but the waste is, at least, an XXL. 9/11/14
Rated 5 out of 5Â by CF21 Wod shorts Just got these shorts they fit great can wait to do a WOD in them. 2/10/13
Rated 5 out of 5Â by Keydet94 These shorts are so light weight and comfortable. I 100% recommend these shorts. Light weight, functional, stylish and basically water resistant! 8/29/14
Rated 5 out of 5Â by Crossfitter808 Great comfort and stretch Nothing out there better bang for your buck. Stretchy material, very comfortable, elastic waistband in the back allows bigger range of motion. Better than nice workout shorts or stretchy board shorts offered by other companies. 3/28/13
Rated 5 out of 5Â by DrMike My favorite shorts These are my favorite shorts to train in hands down. They move very well and are comfortable throughout any kind of workout (weights, cardio, etc). 3/12/13
Rated 5 out of 5Â by KES45 Great shorts! Very comfortable and they allow you to do anything you want. (i.e. squats, dead lifts, jumping, etc...) No limitations! 4/7/13


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DUH *smacks head* nevermind. I saw it! lol It's been one of them days.
DUH *smacks head* nevermind. I saw it! lol It's been one of them days.
Thanks Holly for the quick and clear instructions. I have been wondering how to create a QP but haven't come around yet to even trying to find out how to do it. Now I just might try. :) LOL!
Thank you so much. I have wanted to do this, but I had no idea it was so easy.
I am having trouble creating a quick page. When I try to cut after selecting my picture area, it tells me that no pixels are selected. Can anyone tell me what I am doing incorrectly?
hummm, all I can think of is make sure the layer you want the shape deleted from is selected in the layers palette.
Hope that helps
I do have the shape layer selected. I'm sure I'm doing something incorrect that is really basic. It is my understanding that I should create the layout and then save it as a jpeg file and then try and cut out the picture area. Should I merge the layers before I try to add a new layer and cut out the picture area? I think I have tried it both ways, but I have myself quite confused by now with all my different attempts!
Any help would be greatly appreciated! Thanks!
Ok, if you're just making a quick page then don't merge any layers at first. Cut out the space where the photo will go on all the layers below where you want the picture. Making sure you have each layer selected that you are deleting the space on. Then you need to save it as a png file at full size to let the hole show so people can add their pictures. Then you can save it at 600x600 as a jpg to put in the gallery. You don't have to merge the layers yourself as when you save it the layers will merge themselves. I hope that is half way understandable. I can make things clear as mud sometimes.
YAY!! So glad I could help. Now I can't wait to see what you make!


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42 U.S. Code § 14801 to 14805 - Repealed.
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Section 14801,Pub. L. 106–174, § 2,Feb. 25, 2000, 114 Stat. 18, related to congressional findings regarding poison control centers. See provisions set out as a note under section 300d–71 of this title.
Section 14802,Pub. L. 106–174, § 3,Feb. 25, 2000, 114 Stat. 18, defined "Secretary".
Section 14803,Pub. L. 106–174, § 4,Feb. 25, 2000, 114 Stat. 18, established a national toll-free number to be used to access regional poison control centers. See section 300d–71 of this title.
Section 14804,Pub. L. 106–174, § 5,Feb. 25, 2000, 114 Stat. 19, established a nationwide media campaign to educate the public and health care providers about poison prevention and the availability of poison control resources in local communities. See section 300d–72 of this title.
Section 14805,Pub. L. 106–174, § 6,Feb. 25, 2000, 114 Stat. 19, related to the award of grants to certified regional poison control centers. See section 300d–73 of this title.
Short Title
Pub. L. 106–174, § 1,Feb. 25, 2000, 114 Stat. 18, which provided that Pub. L. 106–174, enacting this chapter, could be cited as the "Poison Control Center Enhancement and Awareness Act", was repealed by Pub. L. 108–194, § 4,Dec. 19, 2003, 117 Stat. 2891.
The table below lists the classification updates, since Jan. 3, 2012, for this section. Updates to a broader range of sections may be found at the update page for containing chapter, title, etc.
The most recent Classification Table update that we have noticed was Tuesday, August 13, 2013
An empty table indicates that we see no relevant changes listed in the classification tables. If you suspect that our system may be missing something, please double-check with the Office of the Law Revision Counsel.
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Book your room at Morning Eagle
Please enter your travel dates.
Slopeside condo with downhill skiing
Located in the mountains in Whitefish, this ski-in/ski-out condo is close to winter activities such as cross-country skiing. Nearby attractions also include Whitefish Mountain Ski Resort.
Property Features
Ski into Morning Eagle, where you can enjoy a drink at the bar/lounge and comforts including a spa tub and massage/treatment rooms.
Room Amenities
Televisions come with cable channels. Guestrooms also feature kitchens, fireplaces, and complimentary wireless Internet access.Information missing or incorrect? Tell us!
At your hotel
At your hotel
Have fun with onsite winter activities, including downhill skiing, snowboarding, and snowshoeing and in warmer months, enjoy hiking/biking trails and horse riding/rentals. Relax in the spa tub after a day on the slopes or enjoy the use of a fitness center. Morning Eagle helps provide the perfect ski vacation with ski storage and shopping on site. At the end of the day, order après-ski drinks at the condo's bar.
The condo offers a coffee shop/café. High-speed wireless Internet access is complimentary. Complimentary self parking is available on site.
Morning Eagle is a smoke-free property.
- Ski-in/ski-out access
- Spa tub
- Spa treatment room(s)
- Fitness facilities
- Coffee shop or café
- Bar/lounge
- Meeting rooms
- Conference space
- Front desk (limited hours)
- Total number of rooms - 27
- Shopping on site
- Laundry facilities
- Fireplace in lobby
- Barbecue grill(s)
- Ski storage
- Elevator/lift
- Number of floors - 5
- Tennis on site
- Smoke-free property
- Free self parking
- Airport transportation (surcharge)
- Free Wi-Fi
Stay connected
Available in all rooms: Free Wi-Fi
Available in some public areas: Free Wi-Fi
Park your car
Free self parking
In your room
- DVD player
- Fireplace
- Patio
- Separate sitting area
- Ceiling fan
- Free local calls
- Refrigerator
- Coffee/tea maker
- Kitchen
- Microwave
- Daily housekeeping
- Complimentary toiletries
- Hair dryer
- Shower/tub combination
- Cable TV service
- Iron/ironing board
- Sofa bed
- Cribs/infant beds available
- Free Wi-Fi
Recreational amenities at the condo include ski-in/ski-out access, a spa tub, and a fitness center.
The recreational activities listed below are available either on site or nearby; fees may apply.
- Golfing nearby
- Cross-country skiing nearby
- Bicycle rentals on site
- Hiking/biking trails on site
- Horse riding/rental on site
- Mountain biking on site
- Playground on site
- Downhill skiing on site
- Snowboarding on site
- Snowmobiling on site
- Snowshoeing on site
The fine print for Morning Eagle
When you arrive
Check-in time starts at 4 PM
Special check-in instructions:
When you leave
Check-out time is 10 AM
How you can pay
Accepted at this hotel: Visa
You need to know
Extra-person charges may apply and vary depending on hotel policy.
Government-issued photo identification and a credit card are required at check-in for incidental charges.
Special requests are subject to availability upon check-in and may incur additional charges. Special requests cannot be guaranteed.