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Equality is Greater than Division. Drawn on my iPad, so, sorry for quality…
Art - Sam Carbaugh
Script - Flint Francois Bourdeau
Editors - Josue Stephens, Maria Walton, Francois Bourdeau, and Sam Carbaugh
This comic is a very short story for a man with a big heart, Micah True. If only we could tell a 300 page story, it would still only scratch the surface. Micah touched the lives of countless people, and his legacy grows everyday. I am honored to play a small part in it.
Today's sketch, is a quickie I did of two great smaller characters and their larger counterparts. Enjoy. Tomorrow will have actual sketches of work I have been doing.
I did this quick sketch last night. I'm a bit of a Song of Ice and Fire fan… and I'm at this point in the Storm of Swords book. This may be the beginning of a series of fan sketches.
Thus begins my foray into trying to post as much work/sketches as possible. I hope you enjoy this first page of sketches I did a few days after Christmas.
Last week, as a part of the Year of the Arts at Dartmouth College, I was invited to do some live cartooning at the Collis Center on campus. This is what I came up with. Thank you Juli Coombs for the opportunity!
It was a very enjoyable experience and they seemed very happy with the work. Hopefully it will help to jumpstart me into doing non-fiction essay comics again.
Check out the Collis Center for yourself: http://www.dartmouth.edu/~sao/collis/
Tags: dartmouth college Collis Center Essay Comics
Here is one of three videos I helped to illustrate for Dartmouth College. It was a wonderful experience and I hope you enjoy them!
Tags: Dartmouth College Dickey Center Sam Carbaugh Illustrations
Well, I'm on Tumblr. Going to be using this as my main internet presence, so check back often for images and updates on what I'm doing.
Tags: Self-Portrait
Cartoons, illustrations and updates from Sam Carbaugh. Portfolio: samcarbaugh.carbonmade.com
Powered by Tumblr. Minimal Theme designed by Artur Kim.


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Lubricants are a matter of trust.
Welcome to the LSA homepage. We supply a complete range of lubricants. The following pages are designed to give you an overview of our company, services and products.
LSA, short for Lubes Services Austria, is a medium-sized mineral oil trading company based in Vienna. We have been a lubricant provider for trade, industry, and business in large areas of Austria for many years. As a longstanding partner of ExxonMobil, we stock the complete product series of the Mobil brand.
Increasingly demanding techniques are requiring higher-performance lubricants, and these are just the challenges we are meeting – with premium products from ExxonMobil. Among other product, we offer various high-tech lubricants for special applications including offshore parks, injection moulding machines and biogas plants.
However, as a far-sighted organisation, we do not concentrate solely on economic factors. We are also committed to the environment, and support the Pro Klima initiative.
Our contribution to environmental protection

subset: commoncrawl


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CEDAR PARK, Texas -- When it comes to chores every move is carefully calculated in the Mauer home.
"They have to make their beds," Christine Mauer, mother of four boys, said. "They have to pick up their laundry, and they have to at least wipe down their bathrooms."
Mauer doesn't give her boys cash for those expected tasks, but they can pick up money for performing extra chores around the house like cleaning the baseboards.
"A couple of bucks here, a couple of bucks there, and then they'll save up," she said.
According to a recent national study by a group of CPAs 61 percent of parents pay an allowance to their kids. Most start paying allowances by the time a child turns eight, and the average allowance is $65 a month or $780 a year.
"Often times kids expect handouts for nothing, and that's created this 'Me Generation,'" Lisa Fox, executive vice president and director of financial planning for South Texas Money Management, Ltd., said. .
Fox said an allowance should be based on a family's budget. A good rule of thumb many families use -- pay $1 for each year of the child's age. So an eight-year-old would get $8 a week, a 10-year-old would get $10 a week.
Fox said tying an allowance to a chore teaches children they have to work to earn money.
"Learning how to save for something you really want rather than giving them money anytime they ask for it is a good thing," Fox said.
In this world of credit cards and virtual bank accounts, Fox said it also pays to give cash.
"They can see it. They can count it. They can tell when it's growing, and they can see when they've had money deducted," she said.
It's exactly what the Mauer family does.
"Unless it's birthday or Christmas, we don't buy toys; that includes video games," Mauer said.
Mauer's boys now ask to do chores to save up for what they want. They've even pooled their money together to buy bigger items.
"They've figured out ways to manage their money, which I think is an important skill," she said.
If you chose to give your child an allowance here are some easy tips to help use it as a learning tool:
Set parameters - Make sure your children know what's expected and how they can earn and lose the money.
Set goals - Rather than just letting them spend the money freely, set up a share, save, spend program (see information below). This teaches them how to budget, how to give back and the reward of saving.
Talk often - The more you engage your children in financial discussions, the more interested they will become, and the more they will make good money management a part of their daily life. If as a family are having to make tough decisions on where to cut, get your kids to weigh in.
Teaching your kids to save
That same national study found only one percent of children save any of their allowance. There are several good national programs that help you teach your children the benefit to saving, sharing and spending. You can do this yourself by creating three jars and labeling them "share," "save," "spend," or putting pictures for items your children feel convey those words. Or check out some of the well known national programs below:
Dave Ramsey's Junior Smart Saver Bank


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ALBANY, N.Y. (AP) - Gov. Andrew Cuomo is touting his property tax freeze as a priority in budget negotiations but is getting resistance from lawmakers opposing his plan.
Cuomo says lawmakers are feeling pressure to oppose the two-year property tax freeze that connects rebates for homeowners to local governments cutting expenses and sharing services.
Also Thursday, the Senate and Assembly announced they plan to add another $500 million to the governor's budget proposal, with almost half going to education.
Cuomo says spending is "the enemy of lowering taxes. So my priority is to push for a tax cut."
Leaders meetings are ongoing as the April 1 deadline for the $140 billion fiscal spending plan comes closer.
Copyright 2014 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.
WTXF-TV330 Market StreetPhiladelphia, PA 19106-2796Phone: (215) 925-2929Fax: (215) 982-5494


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In this episode we talk with Cliff Ravenscraft the Podcast Answer Man and catch up with what he is doing in the space, we talk about podcaster strategies and a host of other topics. Check out Clff @ podcastanswerman.com
Contact the show: Rob or Todd @ newmediashow.comSupport our Show Sponsor:
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showgoats asked: Have you reposted that crazy comic of the zebra fucking that monster so hard that it came out of its mouth? That was creepily mesmerizing.
It took me awhile to dig it up, but I found it:) It actually got cut from the comic. I can't figure out how to post it here so I'll do a separate post in a second.
Solo Show in Paris Thursday November 10th
Just a quick note, I'm about to go to the airport in a few minutes and left this until the last minute as usual. I have a solo show in Paris this Thursday 6-9pm, if you are in Paris come by and say hello! Click on the title of this post to be redirected to the press release with all relevant information.
naamaak asked: I will now have to purchase the Road of Knives book, if it exists. Do tell me it exists, please :).
Unfortunately not, we all sorta dropped the ball on the Road of Knives after a few years, I have to admit that I was the most guilty of dropping the ball I think. It's still a goal of mine to get it to some level of completion and get it printed. If that happens I will definitely post the info here.
Me and my favorite piece of art!
hah, thanks man! I think this is the first time I have been associated with any sort of GIF, I feel like this is my Tumblr initiation:)


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To All Humans,
Four months ago, the marketing team at Solve Media pulled together a crew of top-notch engineering & creative talent. They met with a single goal: to create an amazing Rube Goldberg holiday video that represents Solve Media.
Matt MacMillan, University of Pennsylvania Engineering Alumnus, headed construction on the machine while Machele Nettles, founder of MacNet Design, took on creative direction. "We wanted to visually represent the Solve Media brand while creating high-quality content," said Jonathan Kriner, Marketing Manager at Solve Media. "A Rube Goldberg machine is perfect since it's so engaging - the crux of Solve Media products."
What resulted were months of planning, building, and shooting the Rube Goldberg in a studio space in North Philadelphia. "We took full advantage of the space, creating machines that hung from the ceiling, elevated off the floor, and sat on the ground," Matt described. "Adding height variation to the 800+ square feet helped make the devices more dynamic and allowed contraptions to cross the room unimpeded." This is especially true with the rocket-propelled toy airplane zipping across the room!
ABOVE: The Solve Media space in progress
The Solve Media holiday video, called "To All Humans, Happy Holidays," took over 900 total hours from a team of 13. You can see a behind-the-scenes walk through before the shoot here.


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Get started with the HIE
The Health Information Exchange is a program to connect all healthcare organizations. If your organization has a need to share clinical or business information in standardized message formats from your systems to others, the Health Information Exchange may be of interest to you.
Flat annual subscription fee. See Pricing Collateral.
What would my organization do on the HIE? Read about the "use cases" for the healthcare community.
Review the community standard contract and policies. Print, read, sign, fax in to get started.
Request information from the OHP HIE staff. Fill out a form to outline your question area.
HIE Reference Section
HIE Transactions - The OneHealthPort HIE supports a series of standard transactions. This page outlines the canonical guides for the standard messages and the routine testing process used for each new organization and transaction type.
HIE Support Request Form - OneHealthPort HIE uses an electronic form to log all support requests. The form provides triage of the request to the best resource to respond.
Admission Discharge Notification Transaction - Documents and links with detail on this HIE supported community transaction.
Document library - Find project documents, collaterals, reference materials and reference links
History and background of the Washington State HIE - Read the history and background on this ARRA Cooperative Agreement funded Washington State project.
Statewide HIE Community Oversight Organization - Read about the organization and purpose of Community Oversight.


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Sedu Revolution Tourmaline Ionic Styling Iron 1
MaunaloaSedu Nano Is Great!I have used it a couple of times so far and really like it. My husband even noticed the difference when I used the Sedu vs. the other flat irons I was using.posted Jan 2, 2009Link to this post
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Sabri2nd SeduI have bought every straightner that walmart carried and i have a box full of them. Sedu is worth every penny.. i bought one of the ghd. they are the same jsut sedu is cheaper..posted Dec 2, 2008Link to this post
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TanyaAtlanta, GASatisfied CustomerThis is the best investment Ive ever made for my hair. My old, cheaper, "ceramic coated" flat iron was wearing out, and I decided to invest in the Sedu after reading a high number of positive reviews. I am an African-American woman, with a frizzy and soft, but not coarse grade of hair. I get my hair relaxed on average of every 4-5 months. Its been over 4 months now since my last relaxer, but after using the Sedu --- I look like I just came from the hair salon. After shampooing, I use several Chi products (Keratin Mist, Iron Guard, and Silk Infusion). I run the iron through my hair once, and its silky, straight, and shiny. Im very happy with this purchase. The true test however, will come when the weather turns humid. Summers in Atlanta are no joke on any hair texture, especially mine.posted Nov 25, 2008Link to this post
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JenWorks Great, But The Cord StinksThis is an excellent straightener. Straightens and curls without snagging. The only downfall is the cord. For $140, they should throw in a quality cord. After only one use it was completely tangled. I returned mine. If they get the cord right, I will buy again in a heartbeat.posted Nov 24, 2008Link to this post
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DianeNew YorkHairCurly HairWonderful Straightener!I previously owned the original Sedu in 1 inch and after 2 years, it broke. I was hesitant about waiting for this one to be in stock again and was about to get the Solia or GHD but Im glad I was patient. I love this Sedu more than the original! I am finally able to curl my hair because the original one was more rectangular so my curls did not look right. This Nano is great because the outside doesnt get as hot as the original one so curling hair while holding the outside of the plates is not painful. It still leaves my hair silky smooth and I get straight or curly hair in one swipe. Get this flat iron, you wont regret it! =)Also, I ordered the flat iron on the 9th and received it on the 12th (I live in NY)! Amazing shipping service!posted Nov 12, 2008Link to this post
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Karen OToronto, ON CanadaWhat A Great Iron!!! Well Worth The $Over the years, I have tried numerous flat irons. Ive had the original Babyliss & the Ceramic Rusk - both with 2" plates. The Sedu Revolution is quite different. My hair is naturally curly and is coarse in texture. The sedu not only smooths it all out when I want perfectly straight hair, it also works as a curling iron. I even used it when vacationing in the Caribbean, and it kept the frizz out. When I would create big curls with a regular curling iron, the curls would drop within 2 hrs because of the weight of my hair. My hair keeps the curl with The Sedu Revolution. I dont even need to use hairspray to hold the curl, which I love because I dont like putting product in my hair. I dont have pics right now but will be back to upload a couple for you to see. The Sedu Revolution goes with me everywhere.posted Oct 29, 2008Link to this post
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MayWashingtonAmazing!!!I have owned many a-different straighteners in my life time. I have always just bought like, Revlon, or Conair, products of that nature. After getting a really good job, i decided, "what the heck...Im going to spend the extra money and get a good straightener that I will have for a long time that wont damage my hair. Let me tell you, this straightener is a blessing from the heavens! I had super dry hair that was very damaged from my previous cheap straightener, when ever I would straighten it with that one, it looked dry on the ends. My hair was all messed up.(I also got a perm a few years back and straightened it the very next day so I had major damage from that). So the day after I recieved my Sedu straightener, I went to work and got NUMEROUS compliments on how shiney and smooth my hair was. I couldnt believe how soft it was after not even being able to run my fingers through my hair for so long!!!! I told myself I would take such good care of my straightener, but then being in a hurry one day, i dropped it and the next time i tried to turn it on, it wouldnt heat up...BUt let me tell you, Im buying a new one because it is so worth it! After not having silky hair for years (I wouldnt get my hair trimmed because I was trying to grow it out) I finally couldnt stop touching it!!!!! I love the Sedu, well worth the 140.00!!!!!posted Apr 18, 2008Link to this post
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Nicole LowandePALove ItI absolutely love this hair straightner. I was actually looking to buy a new CHI since mine broke, but I am so glad I went with the SEDU straightner. The CHI is good also but the SEDU barely pulls out any of my hair and it also seems to work better then the CHI I used to have!!!!!!!!!!!posted Apr 17, 2008Link to this post
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JulisaSan Jose, CAI Love My New SeduThis is the best flat iron I have ever owned. Not only does it do a wonderful job of straightening my hair, it also leaves a shine that I have never had before. Thank you Folica for recommending this flat iron!posted Apr 15, 2008Link to this post
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JagirlOriginally From Jamaica...living In TX But Moving To MiamiVery Good But Not That Great ... I Prefered The Solia (african American Relaxed Hair)Not as impressed as I thought I would be. Dont get me wrong, the flat iron works well but I thought it was going to be magnificent after reading all the reviews... it got hot and it seems to not fry my hair but I would have to run the iron over the same place over an over to get it straight... sometimes 6 times! and this was when it was on a very high setting 400 plus. Additionally the iron snagged on my hair and broke of some strands. I returned the flat iron after 2 weeks and figured that i would just buy the solia which was said to be comparable quality but for much cheaper. I just got my solia and I actually like it a lot more than the Sedu revolution! It glides through my hair a lot easier, no snagging AND my hair was silky smooth after one stroke on the same temperature I used on the sedu! Sorry sedu revolution, u were out run by the solia.btw, I am not sure if these are just kinks in the sedu revolution... it is possible that the original sedu is better.posted Apr 14, 2008Link to this post
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Write Your Own Review
Have you tried this product? Help out by sharing what worked (or didn't)!Write a Review
Sedu Anti-Frizz Polishing Treatment with Moroccan Argan Oil
Sedu Anti-Frizz Polishing Treatment with pure Moroccan Argan Oil protects from heat damage, leaves hair incredibly smooth and shiny and controls frizz. Similar to Moroccanoil, it contains Argan Oil which is produced from the kernels of the argan tree, found in Morocco. Argan Oil is extraordinarily rich in things like natural tocopherols and vitamin E.
Old Price: $20.00New Price:
Sedu Pro Ionic Ceramic Tourmaline Flat Iron (1 1/2")
Rated the Best Hair Straightener on the market and preferred by top hair stylists around the world, Sedu flat iron straightens, smooths and tames frizzy hair for long-lasting results. Sedu's patented ultra-smooth ceramic/tourmaline technology guarantee smooth straightening.
Old Price: $160.00New Price:Free Shipping
Sedu Revolution Tourmaline Styling Iron 1.5 inch
NEW! Sedu Revolution Tourmaline Ionic Styling Iron with 1.5 inch plates has all the features of the highly acclaimed Sedu Revolution with 1 inch plates, now with larger plates. The 1.5 inch tourmaline ceramic plates is perfect for longer, thicker hair. Ceramic Tourmaline plates ensure frizz free, shiny hair.
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Sedu Revolution Pro Tourmaline Ionic 4000i Hair Dryer
Sedu continues to innovate in its line of heat styling products with creativity and the latest advanced technology. One of the first professional hair dryers of its kind with super compact size and light weight design, Sedu Revolution Tourmaline Ionic 4000i Hair Dryer has 60% more power than a conventional dryer. With the most effective tourmaline coated ionic generator, this dryer reduces frizz and static by 90% and cuts drying time in half. Get it today, Sedu Revolution Tourmaline Ionic 4000i Hair Dryer is the only dryer you will ever need!
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Contact: Ted Slowik, Director of PR and Media Relations, 630-637-5307, email@example.com
May 11, 2010—Four North Central College sophomores recently met two U.S. Supreme Court justices as part of their studies in Washington, D.C.
The four met justices Ruth Bader Ginsburg and Sonia M. Sotomayor while they were conducting interdisciplinary research about oral arguments presented before the Supreme Court.
April 30, 2010—Parker Gadbois, a 2009 graduate of North Central College, has been named a Fulbright Scholar and will teach English in Taiwan.
Gadbois was awarded a highly prestigious Fulbright English Teaching Assistantship (ETA) Award for 2010-2011. He begins his 11-month assignment on Aug. 1 and will receive $30,000 of support and additional funds for language study.
March 17, 2010—North Central College exceeds new, more strict state requirements for teachers and administrators pursuing master's degrees and certification in educational leadership, College officials say.
Kate Smith '05 Pereda loves to teach science to her fifth-grade pupils in Addison, IL. During the one semester each year that she can even fit the topic into the schedule, she's armed and ready to engage her students—several of whom want to pursue science in their futures—with valuable lessons and methods learned at North Central College.
Innovation and responsiveness represent the hallmarks of North Central College's graduate programs in education, including the master of arts degree in curriculum and instruction and master of arts degree in leadership and administration. The College has had a hand in grooming hundreds of leaders in education, who transition into department heads, assistant principals and principals, fulfilling a continuing demand for school leaders today.
North Central College prepares students to be informed,
involved, principled and productive citizens and leaders over their lifetime.


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A grandfather accused of throwing a Molotov cocktail at his stepson's home has been arrested.
Police say his grandchildren were standing outside and watched him light the fire bomb before throwing it toward their house near 37th Avenue and Thunderbird.
Authorities say Ruben Duncan told them he wasn't trying to set the house on fire -- he was trying to teach his stepson a lesson -- a lesson for disowning his mother after a fight on Mother's Day that happened years ago.
You could see where that Molotov cocktail ended up. Part of the sidewalk was burned.
Police say Duncan threw the fire bomb at the house, but it landed in the street and slid towards the sidewalk before exploding.
"It was big. It was really big. It was spread out. I'm going to say at least 15 feet," said Carrie Garner, a neighbor.
The fire never reached the house -- thanks, in part to neighbors.
"We heard screaming and yelling. 'Help us!' And our roommate Teddy ran over here and grabbed the garden hose from the lady who lives here and put out the fire," said Garner.
Duncan's 11 and 15-year-old granddaughters were standing outside when police say he lit the five gallon gas can, stuffed it with a rag on fire, tossed it towards the house and then drove away.
"Who would do that?..broad daylight.. there's kids on the street and everything," said Garner. "The younger one was just in hysterics.. was so scared and shaky and crying and stuff."
Police say when they arrested Duncan, he told them he did it to teach his stepson a lesson about consequences for not loving his mother.
Duncan also said he wasn't trying to set the house on fire and would never hurt his stepson or grandchildren.
Duncan's wife called FOX 10 to tell us she is trying to get her husband help and stressed that her husband is a veteran. She also said she doesn't believe he was trying to throw the Molotov cocktail at the house.


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Climate Policy Initiative (CPI) is an international analysis and advisory organization that examines the effectiveness of climate and energy policies. Focusing on major developed and developing country emitters, CPI evaluates policy performance and develops practical advice to help policymakers fast-track best practices. CPI works in partnership with governments, the private sector, academia and others to ensure its work is robust, relevant, and helps countries achieve low-carbon growth.
CPI's headquarters are in San Francisco, and we have programs based in Beijing, Berlin, Hyderabad, Jakarta, Rio de Janeiro, and Venice. We partner with world-renowned research and policy institutions in each of these locations to leverage local resources and expertise.
CPI is looking for a highly skilled, experienced, and motivated Senior Analyst to provide analytical expertise and management support for its research agenda, with a primary emphasis on the India Program. Based in San Francisco, this individual will collaborate regularly with CPI analysts in San Francisco and on the ground in India, ensuring that their research reflects CPI's greater mission and effectively reaches relevant audiences.
Under the supervision of the Senior Program Director, the successful candidate will help shape and influence CPI's strategy and analytical foundation. They will design, propose, and manage complex research assignments, analyzing policy and drawing lessons for policymakers from CPI's work in other regions.
The successful candidate will have a demonstrated ability to lead teams and mentor staff to deliver high quality and timely analysis. They will build and maintain relationships with analytic, advocacy and other organizations within India's climate policy sphere, as well as provide advice and support to policymakers at the regional and federal level.
CPI offers a challenging environment that requires independent thinking, collaboration and pragmatic problem solving. The successful applicant will undertake robust and careful analysis that draws on methodologies from a range of disciplines including public policy, economics, law and natural resource management.
• Collaborate closely with the Senior Program Director to guide the development of the organization's research agenda, with a primary emphasis on the India program.
• Design, propose, manage, and implement complex climate and energy policy analysis that provides actionable insights for policymakers.
• Manage and mentor staff based in both the San Francisco office and India, as well as provide guidance across the CPI network.
• Engage policymakers and other stakeholders throughout the research process.
• 5+ years of experience in public policy analysis in government, non-profit, consulting or multilateral organizations.
• Strong knowledge of Indian climate and/or energy policy required; advanced degree in relevant field highly preferred.
• Demonstrated ability to lead projects and manage teams across multiple locations.
• Existing contacts in India's policymaking sphere, and a desire to utilize and expand this professional network to further CPI's mission.
• Outstanding written and verbal communication skills.
• A deep commitment to the mission and values of CPI.
The expected start date for this position is March 2013. The position will be located in San Francisco. CPI offers an excellent benefits package and a competitive salary that is commensurate with experience.
Using the link below, please submit your application, including cover letter, resume, salary requirements, one 2-4 page analytical writing sample, and one "new media" writing sample (i.e. blog post or op-ed). Indicate the position for which you are applying. All materials should be in English and submitted by February 15, 2013. No phone calls, please.


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Several of you have asked where I purchased Eliana's gray boots. Well, here they are, on zulily today for $15.99! (personal link included).
Just thought I'd share :)
- imnotthatkindofgirl likes this
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- thepreppyhippielife reblogged this from ohhappymiracle and added:
So excited! Wish Zulily could chat it up with the folks at Amazon about shipping.
- butterfly-mama said: These are soooooo cute!
- eerriinnbbaaeerr likes this
- reneenicolesays likes this
- thepreppyhippielife said: Thank you for this! Ordered!
- thepreppyhippielife likes this
- ausimosa said: Awesome share. Adorable boots. :)!
- ausimosa likes this
- runningwithyogitoes said: Want these in my size
- runningwithyogitoes likes this
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- butterfly-mama likes this
- stillwaitinglife said: I love zulily
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- ohhappymiracle posted this


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For generations our staff at SJHS-SC has been providing the highest quality of medical care to residents throughout Sonoma County and the entire North Coast. Both Santa Rosa Memorial and Petaluma Valley Hospital offer comprehensive care with the highest caliber of physicians – having even been ranking in the top 10% of Northern California hospitals by PacifiCare.
At St. Joseph Health Sonoma County, we are proud to serve the healthcare and medical needs of people throughout Sonoma County, California.
Use our online physician search to find the right doctor for you.
Get informed on what to expect during your stay with us.
We provide a number of classes & events, click here.
400 North McDowell Blvd.
Petaluma, CA 94954
1165 Montgomery Drive
Santa Rosa, CA 95405
View our events calender to see what's coming up!
Learn about the many ways to help us at Santa Rosa Memorial.
Give the gift of time!Click here to learn more.
St. Joseph Urgent Care is open daily and is ready to care for all minor illnesses and injuries that require timely attention but may not be serious enough for the Emergency Room. Here, at centrally located Urgent Cares in Rohnert Park, Santa Rosa and Windsor, you can receive treatment that is generally more affordable with wait times that are usually shorter than an ER visit. No appointment is needed.
The Urgent Care's medical team can care for conditions or needs including:
Don't take chances with any condition that may be more serious or life-threatening. If you or a loved one experiences symptoms of a heart attack, stroke, head injury, severe pain or bleeding, for example, go directly to the nearest hospital Emergency Room. The ER is better equipped to care for you in the event of:
Santa Rosa
(707) 543-2000
925 Corporate Center Parkway, Suite A
Santa Rosa, CA
9:00 AM - 7:00 PM everyday
Get Directions
Rohnert Park
(707) 584-0672
1450 Medical Center Drive, Rohnert Park
9:00 AM - 7:00 PM everyday
(707) 838-2044
6580 Hembree Lane, Suite 270, Windsor
9:00 AM - 7:00 PM everyday
St. Joseph Urgent Care Centers can help when you are unable to obtain a timely appointment with your primary care physician, or you do not have a primary care physician and your injury or illness is not life-threatening.
Patients are seen on a walk-in basis which means that wait times are usually shorter than an emergency department visit. No appointment is necessary and our hours of operation are especially convenient. First-come, first-served. Seven days a week.
Fees may be higher than a visit to your primary care physician, but far more economical than a visit to the emergency department. St. Joseph Urgent Care Centers accept Visa, MasterCard, personal check, cash, and most insurance.
Please call St. Joseph Health's Main Switchboard at (707) 546-3210 if you have any questions.
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HUD's FY 2013-2014 CoC Program Competition
On Friday, November 22, 2013, HUD released the Notice of Funding Availability (NOFA) for the Continuum of Care Program Competition, launching the competition for $1.7 billion in Federal funding for the Continuum of Care (CoC) Program. This year's program competition combines some of the application requirements for FY 2013 and FY 2014 program funding, namely, the CoC Application, which reflects community-wide performance and planning to end homelessness. It also places strong emphasis on using CoC program funding as strategically as possible--given the budget shortfall--to reach the Administration's goals of ending homelessness at set forth in Opening Doors.
This page provides useful resources to help communities achieve success in the CoC program competition.
Services in the CoC Program: Assessing Value and Finding Funding Alternatives
USICH/ NAEH Webinar on the FY 2013-2014 CoC Program Competition- Strategies for Success
- View the recording
- View the presentation slides
- View the Scoring Summary Table: HUD FY 2013-2014 CoC Application
CoC Program Competition on HUD's OneCPD
- View the OneCPD Continuum of Care Resource Exchange page
- View the HUD OneCPD webpage on the FY 2013 – FY 2014 CoC Program Competition
- View the HUD's FAQs on OneCPD
SNAPS Weekly Focus Messages
- Working Together to End Homelessness
- What About Transitional Housing?
- Rapid Re-Housing
- Adopting a Housing First Approach
- Collaborating to Combat Homelessness Among Veterans
- Considering the Needs of Families and Youths
- Leveraging Mainstream Services Funding
- Why Coordinated Assessment is Critical to Ending Homelessness Locally
- Giving Priority to Chronically Homeless Persons
- Changing the Way We Do Business
Messages to Continuum of Care & Ten-Year Plan Leaders from Barbara Poppe, Executive Director of USICH
- Ending Chronic Homelessness
- Ending Family Homelessness
- Ending Veteran Homelessness
- Leveraging the Affordable Care Act to Solve Homelessness
- How Do We End Youth Homelessness?
Message from Richard Cho, USICH Policy Director
Progress in the 2013 PIT sets Stage for NOFA
- Read about the results of the 2013 PIT Count and how they affect this year's CoC program competition


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Join the Brock Dining Services E-mail List!
Join our e-mail list for exclusive coupons to your favourite dining locations!!
Your Opinion Counts
Continuing to do as it has since opening, Brock University's Guernsey Market wins yet another award.
Starting in September, New Improved Hours throughout the Dining Halls, With Lowenberger and Decew Now having Late Night Hours!!
Market Weekends
From fresh Chicken Wings, to Taco Bars, Market Weekends will have you covered! Runs during school year.
Your Opinion Counts!
Thank you for your interest in completing the following survey. It's completion will require approximately 5-10 minutes of your time. The information you provide will be used for research purposes only and will be kept private. The information collected will not be used to sell or market to you in any way and you will not be contacted as a result of completing this survey. The information collected will assist us in enhancing Brock Dining Services based on your feedback. Upon completion, you can enter a draw to win one of two $100 Brock Cards. Thank you for taking the time, we look forward to your feedback.
Guernsey Market Takes Culinary Gold
Brock Dining Services won double gold and grand prize for catering at the 2011 Horton Dining Award from NACUFS(National Association of College and University Food Services) for their Catering Department and The Guernsey Market.
In total, 141 US and Canadian dining institutions entered the contest and Brock Dining Services received top honours in the medium-sized school category of "Catering — Special Event" & "Residental Dining - Marketplace Concept". Brock's entry was judged in the areas of menu selection, event merchandising and food presentation, marketing strategy and financial impact.
From traditional favourites to exotic global cuisines, Brock Dining Services offers quality dining and catering across campus using fresh and local ingredients. The quality, variety, convenience and flexibility of Brock Dining Services offers a wide variety of food options at seven unique dining locations on campus.
With homemade soups, salad bars, deli bars and custom-made stir-fries, there are many healthy options for students, faculty and staff on campus. To learn more about Brock Dining Services, click "About Us" on the main side menu and navigate through our 4 pillars of sustainability, quality, expertise and nutrition.


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The Machinery Journal blog is your place to find the latest machinery updates, industry news, and interesting tid bits.
These combines are ready for hunting season? Well, many fall game seasons overlap with harvest, but is that why New Holland decked out machines in Real Tree camo?
rax, a new track design for the articulated four-wheel-drive models.


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To request additional information or leave feedback, please fill out our contact form.
We have a worldwide network of offices ready to serve your logistics needs. Office Locations.
Through effective collaboration, Avaya and Expeditors have driven continuous supply chain improvements and have contributed to their competitive advantage in the marketplace.
Expeditors was honored to receive Lufthansa Cargo's Planet Award of Excellence (external link).
Making certain key information visible during supply chain planning can be as, or more, valuable than making it visible during execution.
For more information or to register for upcoming events, please visit our Events Calendar.


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A Conversation with Shell
Through the TED Conversations platform, Shell is partnering with TED to engage the community in meaningful discussion on key global issues.
Remy de Winter
Shell International
This conversation is closed.
A conversation with Shell: Why don't today's students want to be engineers?
Should we be thinking again about the importance of Science, Technology, Engineering and Maths in education? Here at TEDGlobal, technology and innovation will play a big part in conversation so it seems a good chance to talk about how we build a strong pipeline of STEM skills.
I'm deeply interested in science but it's not often seen as a career prospect. I've been out to schools as an industry ambassador to promote the oil and gas industry as an exciting profession to pupils. This has highlighted to me firsthand the urgent need to encourage more young people into STEM subjects. My Master's degree in Aerospace Engineering has given me the chance to work in teams at the cutting edge of technology. Some of the most exciting technology advancements in energy sector are no doubt still to come. STEM skills are vital here and in many other industries.
So how do we ensure that talent keeps coming through the pipeline?
Showing single comment thread. View the full conversation.
Jun 14 2013: I am a mechanical engineer, and I would not work in the fossil fuel industry.
This is a conversation that my wife and I have had, and we are in agreement that it is against our values.
Aside from my personal reservations, it's clear to me that kids don't play the same way anymore.
When I was young, I played a lot with LEGO, and they were bricks and other basic shapes. I would build things and make up stories.
Now, when I look at LEGO, the stories and the characters are pre-made. The shapes are very specific, and are much less universal. They don't require as much imagination. But LEGO remains one of the best kids' toys available.
When I was young, one of my neighbors had an Atari video game. I remember watching their family play 4-way Pong. It was social interaction.
Now, I see kids with headphones, playing games or texting, without the social interaction, where the games have simple, immutable stories.
When I was young, I would go play in the woods with my friends, and build forts, or trails to ride our bikes.
I don't see kids in the woods anymore.
So, Remy, to answer your first question, today's students don't want to become engineers because they are not imaginative in the same way, they are drawn to simple stories with a punchline, and they are afraid to get dirty and work with their hands.
For your second question, youth unemployment is at an all-time high. There is talent out there, if you're willing to train them. But those people are also globally aware. If Shell were to make real, sincere progress on making energy without dinosaur juice, or real reductions in environmental impact (could Shell go carbon-neutral?), or maybe ISO 14001 compliance, then you would see a REAL change in your corporate image.
Jun 15 2013: What you're saying is completely true Kevin, things are not alike and they will never be. This coming generations are totally different but we can't assume - just because of they're totally different - that this difference is negative it could actually have some negative side, but if we look closer, clearer and deeper we can see they're innovators, they're coding from the age of 9, secondary school graduate are CEO's of a companies of software companies ( I read this few months/years I believe), they're enjoying their own way of doing the stuff, they're not avoiding Engineering they're probably looking for the updated version of it, where everything is fully automated. They're probably getting the best out of us, involving and associating to make it even better. I believe.
Jun 17 2013: I have to agree with Abdulatif and add that although indeed kids don't play in the same way that they used to, the ease of access to new toys and technology has opened up a whole new arena for them that before was not available. High school students nowadays have access to launch devices into space, see:
This does imply that teachers are required to be capable and skilled at leading these types of projects too...
Showing single comment thread. View the full conversation.


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The size of the plants you receive from us varies somewhat with the variety and type of crape myrtle.
A Mini Crape Myrtle, while not as tall as a Tree Crape Myrtle is usually much fuller.
All of the plants we sell are very full and well-branched.
To answer this question, the plants we ship to you are usually between 1' foot and 4' depending on variety you order. We try to ship to you the biggest plant of the variety you order that we have in stock.
Crape myrtles grow very fast so you will have no trouble doubling the size in a few months. Blooms arrive every year and they bloom for months.
Water and fertilize(weekly) and they will grow fast. Slow down fertilizing and watering when the weather starts to cool off in late Fall.
All plants are shipped in strong new boxes and all plants are shipped in new pots. Never do we ship any plants "bare root" .


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Decided to go in another direction. All of the Boba Fett parts are BRAND NEW. Why wait for these items when you can get them now! I am offering FREE shipping to the lower 48 States. I will ship International. Send me an email with your full shipping address & any questions you might have to email@example.com for a faster response. I do take PP.
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I am 5'10" & 180lbs
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Crazy4Bobafett: Jumpsuit w/ neckseal $285, Vest $155, Pouches $20, Boot Spats $20, Balacava $15
ManOfWar Boots Size 10: $145


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Posted Date:
Amy Joyce Rush
Courts sends ITC China dumping determination for further review
The Department of Commerce (DOC) case regarding the dumping and countervailing of imported engineered hardwood flooring from China was remanded to reconsider its findings by the International Trade Commission (ITC) on March 20, 2013. The Commission must file the remand results with the court on or before Sept. 30, 2013.
The petition was initially filed with the ITC and DOC November 10, 2010 by the Coalition for American Hardwood Parity (CAHP), a group of American manufacturers including industry leaders Shaw/Anderson and Mannington claiming material injury by reason of below market value multilayered wood flooring (MLWF) products being sold on U.S. soil. The case also claimed that the products were being subsidized by The People's Republic of China.
The hard-fought battle went to Washington in October of 2011for a final hearing and in November, a final affirmative determination was made. Also in October 2011, the DOC determined separate rates, which applied to the majority of Chinese imported engineered hardwood, of 3.31 percent for antidumping and 1.51 for countervailing. The rates, which are currently being appealed by both sides, are also subject to annual reviews.
To be clear, the court is only reviewing the record that exists and is limited to the specific issues that the court has directed the ITC to review, according to Jeff Levin, counsel for CAHP.
"The commission conducts a 'mini investigation.' It's a much different animal than what went on first go around in fall 2011. They are reviewing the record that already exists. The ITC can't just start over again. It is limited to the re-examination to the specific issues the court remanded on," said Levin. "One is whether the ITC correctly identified all U.S. manufacturers of multilayered wood flooring and one is whether or not the Commission correctly and comprehensively evaluated other economic factors that may have contributed to the injury aside from cheaply sold products. They can't collect new evidence."
Levin further clarified that the ITC can't collect new evidence unless it finds that it did not correctly identify all of the relevant producers. In that case, he said, the ITC would ask for the missing companies' operational and financial data. "I do not see that happening as there are no other producers out there that the ITC missed," he added.
This process is just beginning and neither side is clear about exactly where this review will take the case. It was also ordered that the parties must file a proposed scheduling order on or before Oct. 31, 2013 for the submission of comments on the remand results.
Both sides will participate in the process — the ITC will likely ask for commentary from both parties. "In normal course, what typically happens is that the Commission asks for additional briefing from the parties and puts together determination and sends it back to the court and the court will ask for briefings on remanded determination," noted Levin. "I'm quite confident that the commission has more than enough on the record to support initial determination and reach the same conclusion."
Legal counsel for the Alliance William Perry feels otherwise, stating, "We are confident that the Commission, which includes several new members, will see that when all the economic factors are considered, that imports are not a cause of injury to the domestic industry. The Commission will now have to use a higher causation standard and consider the greater economic condition in the United States, including the fall of the housing market on the U.S. industry."
Root causes
Following the 2011 proceedings, both sides began the appeal process. In addition, the Alliance took the whole case to the Court of International Trade in New York City in January 2013. While the CAHP appealed for rates to be calculated higher, the mandatories on the opposing side and members of the Alliance for Free Choice and Jobs in Flooring (AFCJF), appealed the courts for lower rates, the current remand is for injury only and does not affect rates.
Key points to be argued include the exclusion of hardwood plywood from proceedings and whether or not it was imports that caused American suppliers material damage or if economic conditions were responsible.
The United States Court of International Trade documentation dated March 20 stated "On remand the Commission shall reopen the record to identify domestic hardwood plywood manufactures and evaluate whether they make product that is used for flooring." As a result, the Commission may issue questionnaires to domestic hardwood plywood manufacturers.
The court also ordered that the Commission reconsider the impact of the subject imports on the domestic industry — whether the presence of imports was indeed the cause of injury or were the economic conditions of the time the overriding factor.
"We appealed the case in its entirety. We still feel the determination is missing several points and they needed to be considered," Jonathan Train of distributor Swiff-Train and president of the Alliance, told FCW. "This is fairly unprecedented. We are proud that our Alliance has stuck together and we have a large support from the industry trying to ultimately end this case."
Since the initial filing and proceedings, two of the commissioners have changed — one on either side of the vote. And new mandatories have been identified during the annual review process: Armstrong Wood Products Kunshan Co., Ltd.; Fine Furniture; and, Nanjing Minglin Wooden Industry, according to DOC documents.
Armstrong, which owns the Kunshan plant and is the largest U.S. supplier of hardwood, was not mentioned in the initial proceedings.
Armstrong said it was notified about a month and a half ago that it was being named a mandatory. The company said it is mainly a domestic supplier and according to Armstrong World Industries' vice president of hardwood products Milton Goodwin, "We are prepared whatever the outcome. We remain neutral. As a mandatory, we just provide answers to their questions."
Goodwin said that the process is centered on the company answering questions. "We will cooperate and we feel we will be treated fairly by the Commerce Department."
Current Number
Previous Month
Percent Change
Retail Sales*
Consumer Confidence
Existing Single Family Home Sales**
New Home Sales**
Housing Starts**
* In billions of dollars
** In thousands of units
Cersaie Annual Convention
Sept. 22-26, 2014
Bologna, Italy - Bologna Exhibition Centre
NICFI Annual Conference (National Institute of Certified Floorcovering Inspectors)
Oct. 6-8, 2014
Deerfield, FL
FCICA - Mid Year Convention
Oct. 8 - 10, 2014
Chattanooga, TN - The Chattanooga Hotel
High Point Fall Home Furnishings Market
Oct. 18 - 23, 2014
High Point, N.C.
The International Surface East
Oct. 20-22, 2014
Miami, FL - Miami Beach Convention Center
Greenbuild International Conference
Oct. 22-24, 2014
New Orleans, LA
NeoCon East
Oct. 29-30, 2014
Baltimore, MD - Baltimore Convention Center
NAFCD & NBMDA Convention
November 18 - 20, 2014
Dallas, TX - Sheraton Dallas Hotel
Carpet One - Winter Convention
Jan. 5-7, 2015
Atlanta International Rug Market
Jan. 7-10, 2015
Atlanta, Ga.
Flooring America Winter Convention
Jan. 7-9, 2015
Domotex - Hanover
Jan. 17-20, 2015
Hanover, Germany
Shaw Convention
Jan. 18-21, 2015
Orlando, FL
World Market Center
Jan. 18-22, 2015
Las Vegas, NV
The International Surface West
Jan. 21 - Jan. 23, 2015
Las Vegas, NV - Mandalay Bay Convention Center
Alliance Flooring, Inc./Carpet Plus
Feb. 21-24, 2015
Atlanta, GA - Atlanta Marriott Marquis
FCICA Annual Convention
March 1-4, 2015
San Diego, CA
Abbey Carpet convention
March 3 - 07, 2015
Reno, NV - Pepperrmill Hotel
Floors to Go
March 7-10, 2015
Reno, NV - The Ppeppermill Hotel
March 24-26, 2015
Shanghai, China - Shanghai New International Expo Centre (SNIEC)
Coverings 2015
April 14 - April 17. 2015
Orlando, FL
Starnet Spring Meeting
April 16 -19, 2015
Tucson, AZ - Loews Ventana Canyon
April 28 - May 1, 2015
St. Louis, MO - America's Center / Edward Jones Dome
May 13-14, 2015
New Orleans, LA - Hilton N. Riverside
Domotex - Turkey
May 25-28, 2015
Gaziantep, Turkey
June 15 - 17, 2015
Chicago, IL - The Merchandise Mart
Starnet Fall Meeting
Oct. 23 - 25, 2015
Boston, MA - Omni Hotel & Resorts – Parker House
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The new "hot" shoe of the moment is Worishofer sandals. Manufactured in Germany and marketed as "comfortable," "sensible" and "great for people with bunions," these hipster shoes of choice will only set you back about $50.
Celeb moms Maggie Gyllenhaal and Michelle Williams wear 'em ... would you?
I've had 'em for months! Very comf.
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Mistakes are a part of being human. Appreciate your mistakes for what they are: precious life lessons that can only be learned the hard way. Unless it's a fatal mistake, which, at least, others can learn from.
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Cabinet Hardware
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MITO Settembre Musica 2014: from September 4th to 21st
MITO Settembre Musica 2014: from September 4th to 21st
IV edition of Cremona Pianoforte 2014, The Piano Experience - 26,27,28 September 2014
The first edition of Ferrara International Piano Festival is taking place from July 18th to 26th 2014 in Ferrara, Italy.
The tenth edition of Trasimeno Music Festival will be held from July 5th to 11th 2014.
To play at Fazioli Concert Hall for the third concert of the series THE WINNERS on June 6th will be Alexander Yakovlev.
The second concert of the series THE WINNERS will be on May 30th. To play at Fazioli Concert Hall will be JENNA SUNG, winner of the 2013 edition of the Jaques Samuel Pianos Competition.
The 2014 host city for the International Jazz day (April 30th) will be Osaka, Japan.
Antonii Baryshevskyi won the 14 edition of the Arthur Rubinstein International Piano Master Competition.
Four special concerts at Fazioli Concert Hall, from May to September, dedicated to the pianists of the new generation.
The 3rd Takamatsu International Piano Competition will take place from March 12th to 23rd 2014.


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CCA+D: Allyn Massey: Lament
Since Paleolithic times, artists have explored human nature. Early homosapiens wanting to express their understanding, their place, in the limitless 'out there,' chose cave walls as an enduring backdrop for drawing the animals and places familiar to them. Protected from the elements and largely unchanged, cave wall illustrations provide contemporary insight on single moments and events that occurred thousands of years ago. This unspoken need for permanence is an important commonality through the centuries for artists. The Egyptians deep in their tombs, the ancient people at Scara Brae huddled underground by the sea. Thirty-thousand years later, do we carry those ritual spaces with us? Is there a way to honor our humble place in the world by recognizing the primal pull that still exists through our basic sensory responses? In this work, the lament is for the distance I feel from those caves, the distance from that primal connection to our breath and sweet sense of dark.
I use materials for their emotional weight as well as their formal properties. Glass is clear and cold: it lends a high-pitched sound to water, and suggests the clinical. Rubber is warm and pliable, with a weight we can sense. It acts as a metaphorical ground, insulating the work from the moment when the dream is broken, when the art touches the real world. Most materials have emotional suggestions for me: if our eyes were replaced with cat whiskers, how scared would we be, how comforted; and how would our sense of space change?
The round form occurs repeatedly in my work. With no corners to grab, it can escape situations, be directionless and non-aggressive, as in the pinky balls floating in the tanks. They have innocence, an emotional layer of childhood play for me. In the drawings, the round form is burrowing, turbulent, seed-like. They are in free-fall: threatening, distorted by suggested force and speed. The trees in the distance are the elders: they remain steadfast, witnesses tied to the fate of these seeds. I want the drawings to deny their own illusions and remain objects, insisting on their own reality through their physical presence. They are hung with space behind them, painted front and back, light enough and detached enough to react to the flow of air and people.
These large drawings were generated after seeing a rabbit frozen in the headlights of my truck, in an area that had been briar and woods but was cleared, paved and developed in the last year. I place myself in the rabbit's feet and imagine myself with no currency to buy my way out; no map to lead me to a new location; my food source gone; trying to think my way out of the situation. I am amazed at what we assume animals are capable of. The impossibility of adaptation in such circumstances saddens me and takes me back to those early humans in caves, making marks and drawing images trying to make sense of their world.
- Allyn Massey
Allyn Massey is a 1986 Corcoran College of Art +Design BFA Fine Art graduate. Massey taught as an adjunct for the Corcoran from 1992-1997. She now works and lives in Baltimore where she is chair of the Art and Art History Department at Goucher College in Towson, Maryland.


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8 types of insurance you don't need
Life is risky, but that doesn't mean you should pay for insurance policies and warranties that aren't necessary.
This post comes from Angela Colley at partner site Money Talks News.
Imagine you've flown into town to attend a friend's wedding. You're driving down the highway in a rental car, with your dog by your side, chatting (hands-free, of course) on your cellphone.
Insure all that and it's possible that you and your friend have wasted hundreds of dollars.
Do you buy travel insurance? Rental car insurance? Pet insurance? Cellphone insurance? And did your friend buy wedding insurance? Life has risks, and paying to protect yourself makes sense -- health insurance to meet big hospital bills, for example, or homeowners insurance to cover catastrophe. But in the video below, Stacy Johnson looks at five types of protection you probably shouldn't buy, or only after careful consideration. Check it out, then read on for more.
Here's more detail, plus a few other types of protection often not worth the money:
Identity theft insurance doesn't protect you from becoming a victim, or sometimes even replace money lost. The insurance only covers some of the expenses you accrue dealing with identity theft, such as the cost of mailing letters to your creditors and maybe some legal fees. It costs $20 to $100 per year, plus a $100 to $1,000 deductible, according to MSNBC.
Instead of paying for extra insurance, see if your credit card company offers identity theft recovery services. Some companies, like American Express, help you free of charge.
If your card doesn't come with it, you can still protect yourself. The Federal Trade Commission has a list of steps to take if you've been victimized by identity theft, including placing a fraud alert on your credit reports and canceling affected credit accounts.
Almost anything you buy these days has an extend warranty option: appliances, electronics, even lawn mowers. According to CBS News, extended warranties cost an average of 15% to 25% of the purchase price. So if you buy a $900 TV, that's $225.
Problem is, not all repairs are covered by extended warranties and you may have to pay shipping costs even if they are covered.
But if you're still considering an extended warranty, do the math first. Call a local electronics repair shop and ask how much they charge to fix a common problem with whatever you're buying. If the price quote is less than the cost of the extended warranty, buying one doesn't make sense.
Buying a warranty will cost $200 to $400 on average. For that money, it's supposed to cover the cost of repairing big-ticket items like a dishwasher, A/C unit, plumbing system, and electrical wiring.
But some consumer advocates say home warranties are full of exclusions, and the repair you need may not be covered. As Stacy explained in the video, the home warranty company he used claimed that because his refrigerator's coils were dusty, he hadn't properly maintained it, and it voided the coverage.
I was unsure about getting pet insurance for my dog, so I went online and requested a few quotes. The cheapest coverage I could find was "emergency only" for $11 a month. Full coverage cost $90 a month for a healthy, young dog.
The cheapest plan covered emergencies like a broken limb. The most expensive plan included an annual vet checkup and some medications. But no plan covered everything. I was still going to have to pay out-of-pocket for dental cleanings, grooming, and some illnesses. Genetic conditions and cancer also weren't covered.
While some people swear by pet insurance, many don't. So if you're going to get a pet policy, be very clear about the details.
Cellphone insurance
Unless you're accident-prone, cellphone insurance isn't likely to pay for itself. The insurance costs an average of $5.64 a month, according to the Los Angeles Times, and most plans have exclusions -- like not paying for water damage or dropped phones. If you do have a covered repair, you'll pay a deductible depending on the price of your phone. (The deductible for my Android would be $100.)
If you have a smartphone, you probably have a manufacturer's warranty that already covers replacements and repairs. HTC has replaced my phone three times without charge -- no insurance needed.
My friend just spent $26,000 on her wedding, which included the venue, dress, photographer, caterer, and everything else that goes into the perfect wedding day.
She could have purchased wedding insurance, which typically covers some types of cancellations, companies going out of business before the wedding, and liability for guests. But it would have cost $320 to $420, according to USAToday.
Instead, she booked through reputable companies, charged purchases to her credit card to get reimbursement protection, and used her homeowners insurance to cover the wedding rings and gifts.
When the wrong flowers arrived, her credit card company issued her a refund. She didn't need extra insurance. You probably don't, either. Before buying this type of insurance, read more about what's covered and what's excluded. Then read the fine print.
What if you travel overseas and there's a natural disaster? Or civil war breaks out? Some travel insurance might help you safely evacuate the country, but few policies would reimburse the cost of your lost vacation.
Basic travel insurance covers your expenses should you get sick or have an accident while on vacation. But it won't cover you should a health or weather issue force you to cancel your trip. For that you'll have to purchase a more expensive plan that offers cancellation coverage.
According to Bloomberg Businessweek, a basic plan costs 5% to 7% of the purchase price of your vacation. A plan that includes cancellations costs 40% more.
Travel insurance isn't always a bad deal. Depending on your age, health and where and when you're going (e.g., the Caribbean during hurricane season) cancellation or other types of coverage might be prudent. But before you buy, see what your existing policies will cover. Your health insurance might cover you in other countries, and some credit card companies provide free insurance for travel. Ask before you leave.
If you do buy travel insurance, always read the fine print. Travel writer Christopher Elliott recently reported about an elderly couple who had to cancel a trip after purchasing $10,000 of cancellation coverage. They were denied any reimbursement because they failed to purchase enough insurance for the entire cost of the trip: $10,074. (After he intervened, the company agreed to reimburse them.)
When you rent a car, the company will try to sell you a "loss damage waiver." For about $19 a day, according to Autos.com, you're protected if you wreck the rental.
But you're probably already protected. If you have full coverage insurance on your own car, it may cover your rental as well, although many policies won't reimburse the rental car company for "lost use" of the rental car while it's being repaired, as well as administrative and other fees.
You might also be covered by your credit card company, if you rent the car with that card. Check with your insurance provider and your credit card company before you buy rental car insurance. When you talk to your card company, be sure and tell them the specific vehicle you're renting. For example, virtually no credit cards provide coverage for pickups or other types of trucks.
Bottom line? Carefully consider these and all types of insurance, and always read the fine print.
More on Money Talks News and MSN Money:
- 7 ways to slash the cost of homeowners insurance
- 7 things to consider before shopping for health insurance
- 6 ways to pay less for car insurance
- See how your car insurance company measures up
- What if you got hit by a bus?
- Should you insure your wedding?
Apparently the author of this article doesn't travel much. I travel internationally on a regular basis. I can tell you right now that travel insurance should NEVER be ignored!! I have been delayed many times (once even by the massive earthquate/tsunami that hit Japan in March 2011) and that travel insurance paid off. NEVER travel without it. You never know what will happen.
Car rental insurance insurance could be a bargain if your auto insurance doesn't include collision or your personal vehicle has collision but is worth much less than what you are renting. Say you are
renting a new Chevy Impala and the MSRP is $29,000. You have an incident and total the rental. You have collision on your 2008 Chevy Impala which is worth $8000. Your insurance will probably cover your accident with the rental vehicle but only up to the $8000 for which your personal vehicle is insured, not the $29,000 cost of the rental. You are liable for the remaining $21,000.
I think there should be legislation that says insurance certificates should be simple enough for a high school graduate to read and comprehend, and SMALL print should not be allowed. Consumers need to know exactly what they are, or are not getting, for the money they pay out.
If you buy SEARS appliance's, beware, their replacement / repair warranties ( insurance) STINK'S. they lie, dont show up, charge you for repair calls that are still under waranty, talk in riddles, try to convince you, thats the way the (appliance) is designed to work, a refrigerator that runs 24/7?, BULL. if you dont believe me, look up sears COMPLAINT page on the net. make sure you have a barf bag, it will make you sick. absolutly un-believable. sears used to be a trusted company, not anymore.
Why is it that whenever insurance companies make money, they are considered crooks. Yet, pretty much any other business making a profit is okay? People treat insurance like a maintenance policy, instead of a catastrophic event policy. That's a big reason insurance premiums increase year after year---that and the ridiculous amount of fraud out there. It's not because insurance companies want to make more and more money. If they weren't in business to make a profit, why be in business at all? The majority of the insurance companies out there do A LOT for the community also through charitable donations, jobs, scholarships, sponsorships, etc.
No one ever wants to put more risk on themselves----what, take a higher deductible and save money, but that means I have to pay more when I file a claim? Why would I do that? That's the true meaning of this article which the majority of people are missing---take more responsibility on yourself!! Save money by putting more risk on yourself.
If you want a NON-BIASED website to visit and research insurance appropriately, google iii (Insurance Information Institute).
Because insurance is mandatory in many cases UPICK14ME, and being just that, they take advantage of us.
How can I take more responsibility on myself when I am a "premium" member of my health insurance, but now have to pay to cover the Fat couple sitting at the buffet stuffing their faces for hours who are doomed to have heart disease/diabetes/who knows what.... You think that worker's comp insurance is all clean and green? Believe it or not, I own a policy that states that I have worker's comp, but am not allowed to file a claim. It costs my company of partners $500 a year plus audit fees, just to say I have a policy... which, by the way, is mandated by the state... So shuv your poor insurance company boo hoo's up your A$$ and wake up!
It all comes down to one thing...are you tired of the rich getting all the bailouts and us working men getting nothing? Take a look at what I found and see why the rich are trying to hide this for themselves. G00GLE the term ' CRAZY CASH TEACHER ' all one term and click the first site. Go right to the 'PENNY STOCK' page to see what the rich don't want you to know. It is time your family lives the good life and this will help. THIS IS AMAZING!!! THIS IS A MUSSSST SEEE!!!
insurance on lost and stolen not mentioned? there's no surprise. I know from personal experience what a stolen IPhone would have cost me without cell phone insurance. the Iphone is for my business. good thing I had it.
The majority of people would be better off without paying for ANY insurance and instead saving or investing that money. How else do insurance companies generate profits year after year after year. They always take in more in premiums then they pay out in claims by a LARGE margin.
I think it is amazing how many people will play lotto's when the odds are as horrid as they are yet insist on paying for insurance when the odds are completely reversed. My state lotto had 3 to 1 odds the last time I checked and might have gotten a little better, but in no way could it compare to the return I would get playing a game like Craps at a casino when the house only has a 1.2% advantage if played correctly with single bets. Meaning for those that need it spelled out, if I gambled $100 with lotto tickets after 1 drawing I would have $33 at 3 to 1 odds and $50 at 2 to 1 odds on average versus $98.80 compared to Craps. Insurance is the same way. How else do you think they can afford all those advertisements, buildings, offices, claims vehicles, worker's pay, dividends, etc.
People would drive better/safer if they did not think that "everything will be alright", "insurance will take care of everything for me". That is until they can find some way or reason to deny your claim. It makes them more money is why they would do it, that is why a insurance corporation exists. TO MAKE MONEY, lots of it, the MORE the better!
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Mapping Benthic Habitat at Various scales in the Olympic National Marine Sanctuary, WA, National Shellfisheries Association (NSA), New Orleans, LA, USA. Conference Proceeding, (2002),
Adding Ecological Context to Essestial Fish Habitat Models using Groundtruthing Technologies, National Oceanic and Atmospheric Adminiatration (NOAA), Tech Memo, NMFS-F/SPO-112 . Report, (2010),


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By: UglyBob
Part I, to see the rest, check out this link: [http://blip.tv/ugly-bob/top-ten-coolest-most-memorable-places-in-video-games-5496495] - 9:21 is the continuation point. There are many kinds of locations throughout the world of video games. From entire universes to small villages, here we are taking a look at my personal ten favorites, and why they are so significant and awesome. As always, this list consists of only games I've played, so if you don't see your favorite on the list, consider making a suggestion or a list of your own on the topic.
Views: 1,402 | Posted: 09/02/2011
By: zachsabbath
Me driving around Vice City in the 1989 Batmobile mod for Vice City. I even pole vault the car!!!!! Special thanks to MushMush from TheGTAPlace for making this mod.
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By: ReynoldsGTAS
a trio collab by the 3 USS members Krypton, FIGHTER and RasKaL
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By: warning3
GTA vice city stunt video with stevex, hoff and theonly one.
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GTA Stunts.Source: http://tgahq.com/
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ITS GTA MADNEsS
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X box PS2 and Pc console comparison
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By: thelasthomer
This was the first clip of robot chicken i saw and after watching it i haven't been able to get enough of it! This video makes a spoof of Mario brothers, the GTA series and the resident evil series.
Views: 1,066 | Posted: 05/25/2011
By: LCNitro
GTA 4 Stunt Montage III By Awesome Ultra Ben Buja! Third Video of GTA IV Stunts! Enjoy!! Very Cool Video!
Views: 1,331 | Posted: 05/25/2011
By: Greendead
Video Name: XVC 3: Purity Stunting team: XSA(Xtreme Stunting Alliance) GTA: Vice City We cannot say, we don't use cheats, mods and programs But we can say, we leave the gravity as it is If you don't believe our message, visit http://www.gtastunting.com/
Views: 1,238 | Posted: 05/25/2011
As much fun as it is to take part in some good old-fashioned competitive social...
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The Sequel to last year's breakout experimental horror indie game, Slender: The Eight Pages.
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The Sequel to last year's breakout experimental horror indie game, Slender: The Eight Pages.
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Outland's world comes swathed in two distinct colors that allow players to choose between being defense or offense in...
Release Date: 09/29/2014
Shadow Puppeteer is a co-op puzzle platformer.
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TinyKeep is an upcoming action roguelike game with procedurally generated dungeons, emergent monsters, deadly traps...
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A third-person action game that tasks players with eliminating the criminal threat in the small town of Mountain Valley.
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Taking the series back to its horror roots, Alien Isolation strands players on a desolate space station as they try...
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The sequel to Costume Quest continues the players' adventurous trek for candy on Halloween.
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Play as officer Wei Shen and infiltrate Triad organization called Sun On Yee, in Sleeping Dogs from Square Enix.
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A turn-based strategy game exclusively for PS3, from Atlas and NIS America.
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The Walking Dead: Season Two will continue the story of Clementine, a young girl orphaned at the outset of the undead...
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The Surrogacy Experience: Adjusting to New Life (Part 3 of 3)
Telling the Twins
Part of this is because of the emotional preparation both sides made. Karen says that she went into the surrogacy arrangement fully knowing about the possibility of awkward situations following the birth. "I thought I would want to see the twins more, but they're her babies and I don't want to overstep my boundaries," says Karen.
"I do get emotional about them, like thinking about how my daughter hugged and kissed my belly," admits Karen. "Thinking about what we went through the last year and not having them with me now can be sad."
Overall, though, the experience is one that the friends look back on with positive feelings.
Dege Russell says that the relationship with Tom and Karen Holmes is going great. "I think it brought us even closer," he says.
"Everybody asked us about Karen giving us our children after the birth," shares Dege. "I have known Karen and Tom for too long to even worry about it. Our children will be just as much a part of their family as our family."
When Callie and Talen are old enough to understand, their parents are going to tell them exactly how much of a miracle they are. When Karen got pregnant with the Russells' babies, Karen and Tom explained the situation to their three children. They understood right away.
Kelly says that they will use basic terms when explaining their birth to Callie and Talen. "We're going to tell them that mommy had a problem with her belly, so the doctor took the babies and put them in Aunt Karen's belly until they were big enough to come out," she says.
As for the lasting connection and appreciation Kelly and Dege feel for Tom and Karen, Karen says that no thanks are needed. "I'm glad I did it for Kelly and Dege. I have no doubt that this is what I was meant to do: I was meant to give them their children," Karen says. "All I wanted to do is give them a family to love. I can see it in their eyes when they look at their children. All I see is love. They are great parents. Dege and Kelly are the ones who created Callie and Talen's lives. I just helped their dream come true."
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|Product Type: Accessory Shelf
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Vutec Shelf Pull Out for 5434E Series Carts
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Vutec Corporation is a privately held company with two operating divisions: Vutec Products Division and Wiremaid Products Division, the entity that manufactures WireMaid and LiteGard industrial and retail products from steel wire. Its newest creation are Cable-Mgr. cable tray systems , the award-winning, patents pending cable tray management system that is a UL classified and low-voltage product.


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5 Favorites From Poppytalk Handmade's Indie Love Market
Poppytalk launched their 6th annual online Indie Love Market at Poppytalk Handmade this week. The market features many pieces from makers all over the world. Below are a few that particularly struck my fancy.
1. Vintage Portland, ME Pillow Cover, $65 from Salt Labs: Map designs are based on vintage maps or charts. All of the pillows are designed, printed and handmade in the USA using local and US sourcing.
2. Feral Cat Print, $38 from Evie Kemp: Print of an original pencil and ink piece by Evie Kemp who is based in Auckland, New Zealand. Printed on chlorine free white paper made from recycled and FSC certified pulp. Printed using archival quality inks.
3. Ikat Fabric Bowl, $28 from 7100 Islands: Crafted in France using ikat made from the natural fibers of abaca, hand-woven on backstrap looms by artisans in the Philippines.
4. Winged Maple Seeds Print, $36 from Golly Bard: Reproduction print of an original watercolor painting by Golly Bard from her Woodland series. Printed on cotton rag paper.
5. Indigo Sachets, $24/set of 2 from Lotta Helleberg: Made from linen and hand dyed with natural indigo. Hand stitched details. Filled with dried natural lavender buds.
Find It: Indie Love Market at Poppytalk Handmade
• 5 Great Websites for Handmade Goods
• Favorite Handcrafted Housewares from Renegade Craft Fair Chicago
• Handmade Gardening on Etsy
(Images: As credit above)
3 Comments
That Portland Harbour Pillow is lovely.
The Portland Harbor one is nice.... I'm from Maine and I'd love it, but not for $65.... I can do the same thing with a short search on Google for vintage maps and a quick upload to Spoonflower for about $15 and 5 minutes at the sewing machine.
@ShangrilLyla You could do, but then you wouldn't be paying anything to the designer for coming up with the idea in the first place.
When you factor in the designers time in coming up with the idea, creating the image, arranging for the printing, purchasing stuffing, sewing the cushion, taking photos of it, paying for being part of the Poppytalk Market and other associated costs, then the $65 doesn't really seem too bad a price.


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ASUS ML239H 23" Widescreen LED LCD Monitor
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From delicious ham meals to tasty turkey dishes, plan out your Easter feast with one of these festive entrees.
Ham steaks are great campfire fare because they're precooked, so you essentially need only to heat them through.
Here's a midmorning, Easter-themed makeover for pizza, the year-round party favorite.
One look at this sweet, fluffy bunny lunch, and your child will hop right up to the table.
Served with a salad and warm, crusty bread, risotto makes for a wonderfully cozy dinner. Healthy butternut squash lends nutrients to this version, and kids can help out by keeping the pot stirred.
The familiar yum factor of fried potatoes and melted cheese just might persuade your family to give greens a chance. Plus, this luscious hash — with a side of fried or scrambled eggs — feels an awful lot like breakfast for dinner, which everybody loves.
This is one of those awesome recipes where the sauce cooks while you bring the pasta water to a boil. It's a surprisingly economical meal -- and a surprisingly kid-friendly one, thanks to all that butter and garlic.
Though it may seem strange at first, egg-topped anything is quite the culinary rage these days for good reason -- the soft yolk melds right into the sauce to create a rich and silky texture.
This recipe makes a perfectly seasoned, perfectly moist, perfectly crisp-skinned and golden bird that requires no basting or fussing.
Every home cook needs a great roast chicken recipe up her sleeve. Not only is this one beautiful to look at, but it fills your home with the most amazing aroma of garlic, lemon and rosemary. Larger chickens typically have more flavor than the tiny broiler
This simple recipe is hearty, comforting and delicious. If you don't have leftover ham, you could make this with deli ham (cut into strips), with cooked bacon, with leftover turkey, or with no meal at all.
If you've got salmon and crackers in your pantry, whip up a batch of these zesty, crunchy-crusted salmon cakes. The lemon and dill work to counteract the "fishy taste" that kids sometime complain about, so the cakes end up flavorful but kid-pleasingly mil
his yummy, comforting dish is delightfully simple to make and delivers healthy veggies with every bite of bread and cheese. Substitute mushrooms, zucchini or broccoli if asparagus isn't in season.


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KALAMAZOO (WKZO) -- A unanimous Kalamazoo City Commission has selected James Ritsema, the current Assistant City Manager of Battle Creek to become their next City Manager, if they can come to an agreement on a contract.
All seven Commissioners had settled on Ritsema and Middleville Village Manager Rebecca Fleury as their two finalists.
While Fleury was viewed as the more dynamic and passionate of the two, Ritsema was picked for his additional experience and his knowledge of the community, its issues and the challenges that all of Michigan's larger cities face.
Mayor Bobby Hopewell was initially reluctant to make a decision last night, hoping for more time to get to know the two, but went with the flow when it became obvious that all the others favored Ritsema.
Current Manager Ken Collard retires at the end of the year.


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BRONX, NY (PIX11)—You'll never know what you'll see from the window of a train.
For the millions who travel by rail, it's not uncommon to come across a cell phone, umbrella, loose change, or even a weekly pass while traveling through the subway -- but how about a prosthetic leg?
"It just seems strange that it would sit there and people would be looking at it," said Metro-North morning commuter Michael Grady.
A row behind him, Karina Jean-Louis, a Hudson Line regular the last two-and-a-half years smiled and admitted to seeing the limb a few times in the past. "I've seen it before, I've just never really paid attention to it. Now when you look at it, you ask, 'who put it there? Who does it belong to?'"
The lonely prosthetic limb lies discarded on a rocky slope just outside of the Marble Hill station on the Hudson Line. It is replete with a tube sock and tennis shoe, only adding to the mystery.
Steve Savard knows the Hudson Line well. When not looking at the river, he tends to notice the garbage, and the limb is hard to miss according to him. "Maybe someday someone will have a tuba up there," Savard quipped.
The best way to spot the abandoned limb? When riding into the city, a passenger has to sit in the last car and sit on the left side. When riding away, you'd have to sit in the front car right side. Look about eight feet up and you will see the limb parked at the top of the fence. This should give you a leg up on the competition hoping to scope it out.


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Serial#CF486 Masterbuilt Chris Fleming Telecaster.The guitar features a side seam, 2 piece ash body and a flat/rift sawn maple neck. 7.25" radius fingerboard. The neck is also fairly chunky with a soft "V" profile at the nut, rounding out to a "U" shape as you get to the higher frets. Comes with the original relic tweed case.
Price: $3,200.00
Click on thumbnail to see full size image


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December 30, 2002
Among persons of working age, 35- to 54-year olds were the most likely to volunteer in 2002, with roughly 1 in 3 having donated their time.
Teenagers also had a relatively high volunteer rate, 26.9 percent, perhaps reflecting an emphasis on volunteer activities in schools.
Volunteer rates were lowest among persons in their early twenties (18.2 percent) and among those age 65 years and over (22.7 percent). Volunteers age 65 and over, however, devoted the most time annually—a median of 96 hours—to volunteer activities. Those age 25 to 34 years spent the least time, volunteering a median of 34 hours during the year.
These data are from a supplement to the September 2002 Current Population Survey. Data in this article refer to the period from September 2001 to September 2002. Find out more in "Volunteering in the United States," news release USDL 02-686.
Bureau of Labor Statistics, U.S. Department of Labor, The Editor's Desk, Volunteering across the ages on the Internet at http://www.bls.gov/opub/ted/2002/dec/wk5/art01.htm (visited September 22, 2014).
This edition of Spotlight on Statistics examines labor productivity trends from 2000 through 2010 for selected industries and sectors within the nonfarm business sector of the U.S. economy. Read more »