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My Aragon Stories
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Legacy: 5. Exchange
The ride along the Hedge was going well. Bilbo, Rory, and Sara had set out quite early from Brandy Hall, before the sun was fully up, heading up the road to the North-gate. They had met Mac a few miles up the road near his farm, and had continued to the gate. It was time for the Master to be Riding Hedge before winter set in. After a two-hour ride north to the gate, they swung east and rode to the Hedge itself. Now, they were following it south, examining its condition, making note of where it might need tending, and talking with any Hay Wards they found along the way. They would only be able to cover half the Hedge today, and would do the southern half tomorrow.
Bilbo and Rory rode side by side, on their bay and chestnut ponies, while Mac and Sara ranged ahead on the matched greys Rory had given them two summers past. The brothers were an impressive sight on the pretty mares, and they handled the ponies well.
The ponies were not the usual Shire steeds, short legged and pot-bellied. These two had come from Bree, and looked more like regular horses. They were not more than a hand or so taller than the usual pony, but their legs were longer in proportion to their girth and their barrels were leaner. Their heads looked like those found on the elven horses Bilbo had seen so long ago in Rivendell, and their necks arched beautifully. They even carried their tails high. The mares were a valuable addition to the Buckland herd, and had produced two very fine fillies last year. Rory was hoping to get a colt out of one of them next spring to be a good foundation stud.
'If things are changing, as you say, Bilbo,' Rory had spoken quite seriously on the trip out, 'then we'll need ponies that are more comfortable to ride and cover more distance in a day than these stout fellows.' He had given his even-tempered gelding a fond pat on the shoulder, and the pony nickered to his master. Rory had a way with beasts that was almost magical. Horses followed him about like dogs, and dogs, even great fierce ones, would quickly wag and lick his hand. The half-wild barn cats would come out of their hiding places under the mangers and in the hay to twine around Rory's ankles, purring and meowing. It was not unusual to look down and find one of the cats had dropped a dead rat at Rory's feet in honor of the occasion.
'A longer-limbed pony that isn't too much bigger will more comfortable to ride, though not much use for a large wagon. They're saddle horses, not dray nags.' Their own sturdy ponies ambled along as the old Hobbits were silent, each in his own thoughts. Rory sighed. 'A nice pony for crossing the Shire is a good thing, brother. But how much further, really, would anyone want to go? Not beyond Bree, certainly?' Rory looked over with curiosity, and some worry.
Bilbo shrugged. 'That would depend upon the traveler and the times, brother. Bree isn't all that far, truth be told, only a day's ride on a Shire pony from the Bridge to the Inn. On a full-sized horse, it's even closer. Set that horse to galloping, and it's but a few hours.'
'Well, yes, Bilbo, you could get there quicker on a bigger horse, but why would you want to go beyond there?' Rory countered.
'Well, why do those grey-cloaked fellows want to come to the Shire?' Bilbo replied, 'I don't have an answer for you now, but they do want to come here, and at some point Shire Hobbits might wish to go further than Bree. Roads out in the wide world rarely come to a clean end, the way the road to Standelf does. They mostly go through places and on to others, which means that the roads into the Shire started out in places we can hardly imagine, and might bring things we don't want to think about.'
Rory snorted. 'Well, aren't you just full of wonderful thoughts today? Why should we concern ourselves with such things? These unending roads that go off to outlandish places have served us well for a long time, and without bringing much of anything to the Shire.'
'Ah, Rory, there you're wrong,' Bilbo chided. 'Every day sees marvelous things on our roads. The East-West road always has Dwarves tramping along…'
'But those are just Dwarves, we know all about them. They've been here as long as the Shire, nothing new about them.'
Bilbo laughed and shook his head. 'Rory, my dear ass, Dwarves have been coming through here for far longer than the Shire's been here! And the Dwarves are rather new compared to the Elves, who have been tramping these ways since the Old Forest wasn't old at all.'
'Bah, cousin, you and your infernal Elves!' Rory laughed. 'Why don't you apply some mind to things that are real!'
'Elves are real! I've seen them! I've sung with them!'
'Not that you show much improvement for having done so. Oh, they walk around, I'll allow you that, Bilbo, but they don't mean anything. They aren't good for anything. At least a dwarf can fix a kettle for you, or trade you some silver for a night's lodgings and traveling provisions. They're real! These Elves, though. They might as well be shadows.'
'Well, I can assure you that they are not,' Bilbo retorted, disliking the slight to his beloved Elves, 'nor is the rest of the world beyond the Shire! Just because we don't see or don't understand, that doesn't mean something isn't there, or isn't important, or won't make itself be known, given the proper circumstances.'
'Well enough, well enough, don't go all testy on me, cousin!' Rory groused. 'As you like. I'll concede that there are greater things in the wider world than I know of, and even that such strange things might one day arrive on our own doorsteps, though I can't see how that's likely. But why should we wish to go out into these rough places? Bad enough that they are there - what would any right-minded Hobbit wish to see them? I ask you again, why would we want to go beyond Bree?'
'Because it is worth going beyond Bree, Rory. There are marvelous things out there, not just dangerous ones. Elves and mountains and great rivers and vistas of things and eagles and, oh, everything! It would do us all a spot of good to have some lads, and even some lasses, go out and understand how small a place the Shire is. If you insist on thinking more practically, and you're concerned about keeping nasty things away from the Shire, we've got to have some sense of what those things are, and how we might keep them from approaching. And of how to deal with what we can't keep out. We can't put up a hedge like this about the whole Shire, after all.'
Rory took a thoughtful look at the Hedge. 'No, I suppose we can't,' he slowly replied, 'though it might be worth trying.'
Up ahead, Mac and Sara signaled that they had found a good place to stop for the noon meal. Rory and Bilbo nudged their ponies into a brisk trot to catch up with the younger men. Within a few minutes, they had arrived and were tethering their ponies next to the mares. It took only a few more minutes to lay out their solid meal: meats and cheeses sliced and set inside hollowed-out rounds of bread, and some skins of pale amber ale.
Dessert would be the fruit they picked from the trees as they passed the orchards near the Hedge - no farmer begrudged the Master his choice of the crop, and no sensible Master failed to sample the harvest, and compliment a Buckland farmer on his fine orchards. Word had gone out that the Master was Riding Hedge, and the farmers were out watching for the Master, offering their opinions and advice along with a choice bushel of apples, pears, quinces, and the late plums. Rory never failed to sample at least one fruit from each holding, and always allowed as to how the Mistress would be quite pleased to see a bushel show up in the kitchens at Brandy Hall. That week would be a busy one for the kitchens with all the harvest gifts needing to be stewed, canned, dried, or otherwise preserved. The next week would be busy, too, as the Mistress dictated notes of thanks to all the goodwives for the gifts, and praised them for the quality of their harvest.
Bilbo watched Sara take only a small swallow from one of the skins before handing it over to Mac. The heir glared a little resentfully at his old cousin, then dug into his food. Bilbo pretended not to notice anything amiss. Since their confrontation two nights before, Sara had been rather subdued. Bilbo knew that Sara and Rory had been closeted in Rory's study early the next morning, and some raised voices had been heard. All the family meals had been quite decorous, though, for which Bilbo was grateful. The children chattered, the adults doted, and nothing unpleasant was discussed, just the fast-approaching Harvest rites and the prospects for a very comfortable Yule. If Bilbo noticed that Frodo had been sure to stay several places away from Sara, and to give all his attention to the children and his Gammer, and hardly speak with Esmie at all, well, he was too polite to make any mention of it. Needless to say, there has been no more singing.
'Father, the Hedge is in excellent shape,' Mac said, 'better than last year. Clearing out the old growth in the dells was just the trick.'
'Though I think I'm still getting blisters simply remembering clearing it out,' joked Sara, and the brothers laughed. 'But we'll have some good hunting later this fall. The small beasts are coming through the bottom of the Hedge. We're going to have furs to trade this year. We'll have to get snares set out once the frosts start in earnest, and before everything with a pelt goes to ground for the winter.'
'Where will you be trading these?' Bilbo asked. Sara gave him a glance to see if Bilbo was teasing, then shrugged and answered.
'Depends on how much we get. We'll keep most of the rabbit and the badger, but if we get some of the wild cats, those'll go to Whitfurrows to the craft fair. Some Big People will be along and they like the cat pelts.'
'You won't take them to Bree?' Bilbo was surprised.
'Don't have to anymore,' offered Mac. 'The Big Folk have been coming regular to Whitfurrows. It's where they pick up leaf now. Not enough grown in the Bree-lands, so it's said. They send a bunch south, and then they come east for ours.'
Bilbo could see that this was news to Rory, too. 'Well, sounds like you stand to do a good trade in furs. What else are the Big People liking?'
'Well, the round Big People, the ones from the Bree-lands, they like the cat and also any rabbit we'll spare. Then the tall Big People, the ones the Bree-landers don't much like, they'll take whatever martin or sable pelts we can collect. They like 'em as lining for their hoods and their gloves,' Sara volunteered. 'They like any really fine fur. Polite enough, I guess, but not very friendly. All dark and dour they are. There's even some squinty-eyed folk from away south, but they don't buy anything.'
'And extra cloth's been going out of Whitfurrows, and cured hides, and some cherry wood, too,' concluded Mac. 'Big Folk have been trading a bit more. The Dwarves are getting friendlier, too. Guess we have to thank you for that, Uncle Bilbo. Bard Bolger, that's Uncle Wili's oldest, who's married to Dilly's sister Cissy, he was visiting his cousin, Bertie Bolger, the one who married your cousin Poppy, over your way in Waymoot, and Bard said Bertie said the Dwarves out west are doing some good ironmongery in exchange for leather and corn from out in West Farthing.' Mac took a large bite of bread and cheese to emphasize the weight of this news.
'Well, that's interesting news, indeed, but why thank me? I've not been ordering up any ironmongery,' Bilbo causally teased, feigning only passing interest to encourage the younger two men to keep talking. He was watching Rory, who was very busy peeling an apple in one long narrow strip. Bilbo could tell Rory was quite surprised as to what his dullard boys had picked up. Bilbo starting busying himself with picking out some good ham, listening avidly.
'Well, because of your adventures, Uncle Bilbo, why else?' replied Mac with a bit of confusion. 'The Dwarves are saying things about being busy because there ain't no more dragon and people are trading things. That's the same dragon as you keep talking about, right? The one you killed?' A second huge bite followed the first.
'Killed? Oh my, oh my, no, Mac. I never did anything like that!' Bilbo laughed. 'I simply spied on one and then got word to a Big Person, who's the one who figured out how to take care of Smaug.' Bilbo was secretly quite tickled that Mac thought he was actually responsible for killing Smaug.
'Well,' drawled Sara without looking up, 'maybe it's the same dragon or maybe it ain't. Maybe you just heard about a dragon that got killed,' a sharp, resentful stare, 'but the Dwarves seem to know your name right well, and it's worth something in a trade to make it clear that you know who Mr. Baggins is. These queer folk, they seem to like you well enough.' Sara attended to his meat.
Rory had a thoughtful expression on his face as he chewed his meal, then nodded a bit. 'Yes, it's true there's a bit more dwarf crowns out and about than I remember from some time past. Not just the copper and bronze ones, either. I've got two silver crowns myself, and I heard that The Green Dragon saw a gold one.' He looked at Bilbo.
Bilbo smiled. Yes, you stubborn old goat, change is already here. Maybe now you'll listen to me. 'Well, as a matter of fact, yes, Lob Tapman got a gold crown last spring when a troupe of Dwarves took up most of the inn for two nights while they waited for some others to arrive. Put them up for two days, then sold them some pack ponies and some supplies. Got a gold crown, and a few copper ones, too. Not clear what he'll be doing with them, except maybe trade with some Dwarves going back the other direction.'
'Well, I wish we could get a dwarf - just one mind you! - to come down into Buckland and do some mending work,' Mac said, having finished his mouthful of food. 'We've plenty to be done, and Ham and his sons are tied to the forge all day over in Newbury. His wife's been giving him new a lad almost every other year, but even with his boys and an apprentice or two, there's more horseshoes and plows and axes to be made than they can handle here in Buckland. It would be nice if some friend of yours, some dwarf you knew was a good sort, could go around Buckland and do some metal or stone work.' Mac took another enormous bite.
Bilbo tried to imagine Balin or Glóin, some noble dwarf lord and master smith, going around fixing the goodwives' pots like an itinerant tinker, and failed. He thought of the ranks of weapons, the suits of armor stored in Erebor, of his own mithril coat with crystals and pearls sitting in the Mathom-house in Michel Delving. He compared the battle-axes of the Dwarves with what a Hobbit used to split wood, and knew that some changes would take longer than others, for which he was rather glad. Does a good boy like you, Mac, really need to know what dwarven mail feels like? Or how a sword is grooved to let blood flow along it? How an elven arrow punches right through the leather breastplate of an Orc?
'Why would Dwarves want to go tinkering in Buckland if they've got all this dragon treasure?' scoffed Sara. 'Uncle Bilbo said there was a mountain of gold and jewels that they've got now. What do they need with work? They must all be gentleman-dwarves now, like Uncle Bilbo's a gentlehobbit. Right?' he challenged Bilbo, eyes sharp though he wore a friendly grin. 'They travel back and forth, but they must be like lords and such, visiting their kin.'
Bilbo was finding this cousin of his rather tiresome, and did not like getting sidetracked away from this news of trade. 'Well, most of the Dwarves who I traveled with are considered heroes and lords, and are greatly revered by their people, so I doubt they would need to do any tinkering, but there's always some of their younger fellows who need to make their way in the world. I might be able to find a good fellow who wouldn't mind a month of work. And sometimes a mountain of gold is worth less than a bushel of corn, if you live inside a mountain and can't grow your own food. Dwarves mine and forge to have good things to trade for what else they need. They have some treasure, but not as much as you might think. It has a way of getting spent and getting less. What they store up, in truth, are weapons and things for battle.'
'But don't you still have a good store of that dragon treasure, Uncle?' Sara asked as bold as can be, 'or do these dwarf-folk of yours just bring you more whenever you need some? If you didn't kill any dragon, whatever are they so grateful to you for?'
'Enough of that!' snapped Rory before Bilbo could respond. 'I'll have no cheek from you, Saradoc, especially not a kinsman and guest. You just apologize right now!'
'Now, now, Rory, don't be so hard on the lad,' Bilbo soothed, though in truth he felt like dealing the impertinent whelp a good whack on the back of his head. 'You know what stories of gold and adventures do to the young folk, drives all sense out of their heads.' He smiled benignly at Sara, who looked like he had just bitten into a green quince. Mac snickered and poked his older brother in the shoulder. 'As for my own "treasure,"' Bilbo rolled his eyes and laughed heartily, 'it's not getting any larger. I got a little reward but mostly a great deal of thanks for spying on Smaug.'
Rory was still not happy with Sara, and ordered him to get the ponies ready for the riding. Not very long after, they were off again, the brothers up ahead, the elderly Hobbits trailing. Rory rode along in silence for a while, then sighed.
'I'm sorry, brother. Sara has few manners.'
'Think no more on it, Rory. He's no more irritating than many who pry into my business, and a great deal less annoying than most.'
They rode along for a few hundred yards. Bilbo could tell Rory wanted to talk a bit more and just bided his time.
'It's not all right. He talks quite a bit about the dragon treasure people think you have; too much for my tastes. It's not right for a grown Hobbit in his position to be hankering after what's not his.'
Bilbo shrugged, 'It's an attractive thing to think of, Rory, and I truly meant it when I said Sara's not being so bad about it. I think he'd be rather disappointed if he could actually see my so-called treasure.' He smiled over at Rory, who was giving him a disbelieving look.
'Bilbo, I know my figures, and I know what things cost. I also know you spread that treasure about in a generous way. Whatever you claim, it's a more wealth than any I've ever heard of a Hobbit commanding. Even if you haven't a penny of it left - and I know you're too sensible to have spent it all! - what you had was a great deal.'
Bilbo met Rory's gaze and held it for a bit, then shook his head and sighed. 'You're too crafty for me, cousin. Yes, it was a great deal, more than I would ever need, so what's the harm in spreading my good fortune about? I have kept enough to be comfortable for the rest of my life, even if I live as long as our grandfather. In the end, what does it matter?'
'It matters how you used it, Bilbo. I know plenty of Hobbits, one of them riding up ahead of us, who would have thrown that gold about and used it to impress folks and intimidate others. Who would have used it to buy some respectability,' Bilbo shot him a hard look and Rory smiled back, 'But you didn't, and I love you all the more for it. Not that I'm surprised, mind you. I could've told anyone what you would do. Anyone who really knows you would have known what you'd do. You may be mad, but you're not that unpredictable.'
'Thank you, I think,' Bilbo replied, already in better humor.
'Though, sometimes I think it would've been better if you hadn't killed that dragon, Bilbo,' Rory went on in a serious tone, 'and not just because you could've gotten yourself killed.'
'Rory, I didn't kill Smaug! I just spied on him!'
'You helped kill him, and spying on nasty beasts is no small task. But what I'm getting at, brother, is whoever put a sword through the dragon…'
'Arrow. Bard of Esgaroth put an arrow through him.'
'…whoever put a sword through him,' Rory repeated, 'it doesn't matter; the fact is the dragon's dead, and Dwarves and Big People are going up and down the Road, and there's a sight more gold and silver and gems then we've ever seen before, and some of our young folk are too much attracted by these baubles and bits of coin.'
Bilbo turned in his saddle to watch Rory. His cousin had dropped the reins of his pony onto the animal's neck and was turned towards Bilbo, one hand on hip, the other braced on the pommel. The pony ambled along with no direction, following the grey mares.
'Some Hobbits, most of them young, but not all, they have Dwarvish hearts now. They don't look at a treasure the way you do, Bilbo. They grab it, cling to it, count it as dear as something that lives and breathes. There have always been misers and greedy folk, I know, but this desire is greater. Ever since you came back, with your treasure and your tales, it's as though there's a want that can't be filled in some hearts. They don't think of the adventure, and never pay any mind to the dangers you faced.'
Bilbo did not know quite how to answer this. Rory watched him for a while, then said, 'I've been thinking, brother, about what you've been saying, even as I've teased you about your mad words and crazy ideas. Change isn't always wolves and Orcs, is it? You've talked about the Troubles coming. I say that, just maybe, some troubles are already here.'
Bilbo nodded. 'Yes, but not merely trouble, Rory. Change isn't simply bad, though I think it is always rather dangerous.'
Rory grunted his assent, and sat forward, picking up the pony's reins. The gelding shook his head and moved out a bit faster. 'But some things don't change, Bilbo, and they never will. Like jealous relatives and gossipy old hens. And when you came back, you set so many tongues wagging and tales going and rumors flying about. Just like you, Baggins, to stir everything up and be the center of attention. The things that were said!'
Bilbo groaned. 'I know, I know, don't remind me. There were times when I thought I should have to depart again if I was to find any peace from the busy noses and wagging tongues!'
'It was said by some unfeeling folk, that you were going to buy yourself a fine young wife with all that wealth,' Rory went on in a too-innocent tone, 'and some were pretty darn sure that Esmie would be the one.'
'Well, some were pretty darn wrong, now, weren't they,' Bilbo grumbled.
'Esmie among them,' Rory equitably agreed.
Bilbo yanked his pony to a halt and grabbed the reins on Rory's gelding. 'Just what do you mean by that?' he demanded.
'Just that Sara and Esmie are fairly like-minded on some things,' Rory answered, not the least perturbed by Bilbo's ferocious manner. 'I don't think you understand how much they're alike, sometimes.' He cocked his head a bit and raised an eyebrow. 'I don't think you'd see her going off with any lad, cousin. She likes her comfort too much to risk it. Has a touch of the Dwarf in her heart.' He scratched his chin thoughtfully. 'Though that was a mighty clever tune. It's kept Sara sober for almost two days.' The two of them stared at each other, then burst out laughing.
'You damned Baggins, always causing trouble!' Rory chuckled, reining his pony around and starting out after the brothers.
They went along for another few hours, looking at the Hedge, talking to the farmers, occasionally conferring with Sara and Mac when they saw something that needed tending. Finally, the sun was declining and they were riding west towards Brandy Hall.
'Yes, Rory?'
'Did you mean what you said when you said that the Dwarves were storing up battle things?'
'Yes, Rory. They have many weapons, much armor, and make even more for the Elves and for men.'
'Why? Why are they doing this?'
'Because they know change is coming. They think there's war on the horizon. Then again, that's what all Dwarves always think.'
'What do you think?'
'I tend to believe the Elves, not the Dwarves, on matters like this.'
'And what do they think?'
'They are fleeing these lands entirely.'
They rode in silence the rest of the way back to Brandy Hall.
The ponies Sara and Mac were riding would look very much like Welsh ponies, as opposed to the Shetland type more popular in the Shire.
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Thread: March 2011 SF Nominations
January 16th, 2011, 09:49 AM #1
March 2011 SF Nominations
Hi all,
The Dune discussion seems to be moving along, and we already have selected Stranger in a Strange Land as our February book, so let's get some nominations going for a March discussion book.
1. Everyone can nominate one book and second a reasonably small number of other books.
2. Books must be available new in US and UK (I just check the two Amazons for this). They should also be in a format other than hardcover, so as to keep costs down.
3. Books must be standalone or book 1 in a series (usually not a problem in SF).
4. They can't have been book club books before. The list of previous discussions can be found here.
Let's hear some nominations. I'd like to leave this up no longer than a week and then put it to a vote (assuming we have enough nominations with seconds, thirds, etc, for that) so that we can have the book selected by the beginning of February. So get those nominations in by the 23rd.
Last edited by Erfael; January 16th, 2011 at 09:51 AM.
January 16th, 2011, 04:17 PM #2
I'm going to try and sneak a horror book in (well it straddles genre). May I nominate 'I am Legend' by Richard Matheson
January 16th, 2011, 04:32 PM #3
I have to apologize to someone who nominated that for fantasy last round. I said we'd done it in SF before, and I would have sworn we had...though it's just not there. So I guess it's completely valid.
January 16th, 2011, 07:54 PM #4
I nominate '2001: A Space Odyssey'
January 17th, 2011, 09:49 PM #5
January 22nd, 2011, 01:59 PM #6
- Join Date
- Jan 2011
- Location
- Chicago, IL.
- Posts
- 76
I will repost my nom's.
1. The Sheep Look Up- John Brunner (This could be considered horror sci/fi)
2. Stand On Zanzibar- John Brunner
January 22nd, 2011, 02:00 PM #7
- Join Date
- Jan 2011
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- Chicago, IL.
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- 76
January 22nd, 2011, 03:34 PM #8
Care to nominate just one of those spiral? I think someone seconded Stand on Zanzibar in the January thread, so maybe that one? We try to keep it to one nomination and a reasonable amount of seconds for each book, and certainly only one nomination per author.
January 22nd, 2011, 04:03 PM #9
- Join Date
- Jan 2011
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- Chicago, IL.
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- 76
January 22nd, 2011, 04:03 PM #10
- Join Date
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- loveland, ohio, USA
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Surface Detail or Matter by Iain M Banks
A Canticle for Leibowitz by Walter Miller
Revelation Space by Reynolds
(I'm being selfish here these are the books I am debating on for my next science fiction reads.)
January 22nd, 2011, 04:21 PM #11
One nomination...just one.
I'll make it easy on you, though.
Canticle and Revelation have been book club books before, so only one of those is valid.
We'll assume you're nominating Surface Detail.
January 22nd, 2011, 06:27 PM #12
I second Stand on Zanzibar, I've meant to read it for a while now.
Incidentally, since I'm new to this. Is the Book Club intended to *read* the books together and then discuss, or simply begin discussing the book on the month specified. For example, if SoZ were nominated for March, would I read it in February and start discussing here on March 1st, or not start reading it until March 1st? It might seem like it doesn't matter but if I sit down to start reading on March 1st and see everybody start discussing it on the forums at the same time...well the timing's wrong isn't it?
January 22nd, 2011, 07:43 PM #13
My problem is I'm a slow reader. I dont have time to read for hours on end, usually only 20-40 minutes a day on my breaks. I usually average a book a month, less for shorter books. Really should start reading a couple weeks early so I don't miss the bus. Im late this month, only half way through Dune. So Ill probably start Stranger in Strange Land late too...
January 22nd, 2011, 08:23 PM #14
It's personal preference. Some people like to have the book read in time to discuss on the 1st. Others like to wait until some people have already commented, read some of the comments, then start in on the book.
I personally try to read the book before the 1st of the month, but not too far before, in order to have the book fresh in mind, but also to try to weigh in with my first post sometime in the first week.
Other people come along years later and read and comment on the book club threads. That's why we keep them around in the Book Club forums.
January 22nd, 2011, 10:18 PM #15
Unfortunately, it's not yet available in paperback (at least in the US), so it's not valid as a nomination because of violation of rule 2.

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text:
Fell and Fair
30. Fourth Age, Morning — Middle-earth
Fourth Age
Caras Galadhon grew silent. East Lórien offered sanctuary awhile, but became desolate without family.
After Eldarion passed, I stopped visiting Gondor: Arwen's descendants had forsaken their Elven heritage.
I dwell now with our grandsons, finding refuge anew at Imladris.
Yet still I grieve Galadriel's absence. When we were apart in Middle-earth — no matter how far — we could sense each other's well-being... but our thoughts have been sundered. I yearn for her touch, body and soul.
Tonight, I dreamt she beckoned to me. My heart grows restless... I cannot abide these faded lands any further!
But will Elladan and Elrohir remain?
Daybreak. Elrohir bursts into my bedchamber, blurting, "A dream last night disturbs me, my brother: Mother and Father were walking by the waterside, as they once did — remember? Strolling to the falls, holding hands, smiling, jesting. Yet, in the vision, something seemed amiss...."
"I, too, dreamt it. They were pacing alongside the Sea, staring eastwards, scanning the horizon...."
"Watching for us."
We face each other, confronting our long-deferred choice.
"Do we sail West?" I ask. "Or stay here — and die?"
He hesitates. "Once... I would gladly have given my life to protect Middle-earth, but...."
"We are no longer needed here."
This is a work of fan fiction, written because the author has an abiding love for the works of J R R Tolkien. The characters, settings, places, and languages used in this work are the property of the Tolkien Estate, Tolkien Enterprises, and possibly New Line Cinema, except for certain original characters who belong to the author of the said work. The author will not receive any money or other remuneration for presenting the work on this archive site. The work is the intellectual property of the author, is available solely for the enjoyment of Henneth Annûn Story Archive readers, and may not be copied or redistributed by any means without the explicit written consent of the author.


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Spyglass - coolest compass EVER!
GoSkyWatch - you can look at the heavens inside your house even - but outside you can see EXACTLY what you're looking at -- or shoudl be as the case me be with cloudcover etc. massively fun.
I have the free owls audubon guide - and I have their North American bird guide because I'm to cheap to pay for Sibley's (edit: too cheap to use two os there too I guess).
and Alltrails is really cool if you hike.
Stuff only I like: Wallace and Gromit chat-o-matic - my daughter has fits over this - it gives you wallace's mouth (you hold the phone up to your face) and you say phrases like the bounce has gone out of his bungie and other famous lines from the shorts.
I actually like the Hockey News app best for hockey. Maybe because I haven't used anything else once they updated it. just downloaded Fire&ice though - it'll ease my board retirement some! I'm obviously not doing well. At least I didn't post about Stevens penchant for gum chewing.. or did I just?
I use loseit for calorie counting -- it's just fastest and I have my whole family addicted - we're all buddies - very funny and keeps my 75year old hyper competitive Dad active hahaha. My FitDay crap just is too much of a hassle now -- and I used to love that stupid site.
Love SciFri now that I work full time and miss the show.
OH! Cooking apps
Allrecipes dial a dinner (free)
Locavore is interesting not sure if I like it though - guide to shopping for local foods
Whole foods for healthy recipes
I like ShopShop list making app -- but I hear there is better out there
Oh and Cook's Illustrated - which I feel like always wants me to pay to be a member... but it's free and if you can ignore all that stuff it's cool as is even.
I also love Distance - it's step calculator but more than that. I'm too lazy yo describe. Good for running etc. I HATE running... HATE HATE HATE... I get to look at Distance and say "Eff YOU!" to my phone when I'm done... it makes me feel better.
I have every angry birds except Rio - I have the free version of that only. I too have Sudoku - and Crossword and I use Solebon solitaire. One of my faves is gone now and i only had the free version Moosentration... I dont think you can get it --- when I can't match everything in under a minute I make myself go to bed.
anyhow... so that's my input
Edited by Pepperkorn, 17 July 2012 - 09:02 AM.


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One thing to realize when you go to sxsw....you are going to miss something. the shear number of bands in town and playing numerous gigs is staggering. Each day is full of sponsored day parties (free w/ rsvp) virtually all over town, featuring bands all day (everybody gets about 45min. to hour sets). As day turns to night sxsw takes over about 78 clubs/venues.
Do you know what I love most about New Orleans?
Check back starting Thursday, March 18, as WWOZ's Thursday Morning Set host Scott Borne and Wednesday Night Kitchen Sink 10 to 12 co-host Boudin Man send in blogs, pictures and updates from the 2010 South By Southwest Music, Film and Interactive Conference & Festival in Austin, Texas.
SXSW Week 2010: March 12-21
The Tuesday New Orleans Music Show hosted by Tom Morgan gets back to its year by year exploration of New Orleans music. This week it is 1950 with recordings by Papa Celestin, Professor Longhair, Archibald, Paul Gayten, Fats Domino, Harry Choates, Kid Ory, Dave Bartholomew, Roy Brown, Cousin Joe and, the Six and Seven Eights String Band and more.
The brilliant Badal Roy will visit WWOZ on Thursday March 18th for an interview with Jelly Roll Justice on Jazz from the Market.
Why are there so many songs about the "jungle?" Hundreds of songs from country and western to disco and every style in between. Jungle songs? Imagine oooga boogas, oongowas, monkey and elephant noises and way too many Tarzan yells all put to music.
What a wonderful show today. It was fortunate that I had the studio set when Tab Benoit came in late on George's show so we could bring him to you in best form. I really enjoyed engineering that set and can't wait to listen to the recording. Crossroad got about a 15 minute late start but you all came thrrough like the heros that you are 50 new /renewing members on today show, double the goal.
For tomorrow's "Sittin' At The Crossroad" my friend Big Daddy O' will join me for the whole show and play some music for us LIVE. My other guest had to cancel due to 'work', she's a movie star too. Olga will join me in two weeks for a live set.
Having just got back from the North Texas Irish Festival in Dallas, I have never been so glad of what is commonly referred to as 'New-Orleans-Time'.
This Thursday Jason Moran, fabulous pianist and composer extraordinaire, will stop by the studio before going on to Snug Harbor for his appearance with the brilliant Herlin Riley.
This young Houston native now resides in Brooklyn and has played with Cassandra Wilson, Steve Coleman, Greg Osby, Stefan Harris, Charles Lloyd and many more Jazz greats.
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text:
Or find a doctor at another Johns Hopkins Medicine Member Hospital:
Daniel Theodore Richardson, MD DMD
Appointment Phone
410 796 3333
Main Location
Johns Hopkins Outpatient CenterView All Locations
Out of State Patients
Call 410-464-6641 (8a.m. to 6p.m., EST, Mon-Fri)
International Patients
Call +1-410-502-7683 (7a.m. to 6p.m., EST, Mon-Fri)
- Assistant Professor of Otolaryngology-Head and Neck Surgery
Craniofacial Injuries, Craniofacial Surgery, Dental Implants, Dental Prosthetics, Dental Restorations, Dentistry, Jaw Surgery, Maxillofacial Pathology, Maxillofacial Surgery, Oral Medicine, Oral Surgery, Orthognathic Surgery, Pediatric Oral and Maxillofacial Surgery, Sleep Apnea
Dr. Daniel Richardson graduated from the University of Pennsylvania Dental School and obtained a medical degree from Harvard Medical School.
Dr. Richardson''s background includes an oral and maxillofacial surgical internship and residency program at Massachusetts General Hospital and Harvard-affiliated hospitals, such as Boston Childrens Hospital. Due to his special interest in dento-skeletal deformities, he pursued an additional fellowship year at the Posnick Center for Facial Plastic Surgery.
Dr. Richardson has a faculty appointment as Assistant Professor in the Division of Dentistry and Oral & Maxillofacial Surgery at The Johns Hopkins Hospital. He is a diplomate of the American Board of Oral & Maxillofacial Surgery, a Fellow of the American Association of Oral & Maxillofacial Surgery, and a member of the Maryland Society of Oral & Maxillofacial Surgery.
His clinical specialty areas include: Orthognathic surgery for correction of dentoskeletal deformities, craniofacial surgery, dental implantology, maxillofacial pathology, sleep apnea, and pediatric oral and maxillofacial surgery.
- English
Additional Resources
Education +
- Harvard Medical School (Boston MA ) (2005)
- University of Pennsylvania School of Dental Medicine (Philadelphia PA ) (2002)
- Massachusetts General Hospital / Oral and Maxillofacial Surgery (Boston MA ) (2008)
- Posnick Center for Facial Plastic Surgery / Maxillofacial Surgery (Chevy Chase MD ) (2009)
- Oral & Maxillofacial Surgery, American Board of Oral and Maxillofacial Surgery (2011)
Research & Publications +
Academic Affiliations & Courses +
Activities & Honors +
Videos & Media +
Events +
Contact & Locations +
LocationsJohns Hopkins Outpatient Center601 N. Caroline StreetBaltimore, MD 21287Appointment Phone: 410 796 3333Location Map
- Otolaryngology - Head and Neck Surgery - Dentistry/Oral & Maxillofacial Surgery


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Scan Gauge
Reviewed By William S (Fairbury, IL) —1/15/2015 10:14 AM
The scan gauge does everything is said it would. Bought to monitor water and oil temps but watching the MPGs is really interesting and taught me some new driving habits. I did have one problem setting it up and customer service was fantastic.


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Kichler 1-Light Hendrik Wall Sconce - Olde Bronze
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Kichler Transitional Wall Sconce 1 Light Fixture - Antique Pewter
Kichler 1-Light Wall Sconce - Brushed Nickel
Kichler Soft Contemporary/Casual Lifestyle Wall Sconce 2 Light Fluorescent Fixture - Satin Nickel
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Kichler Transitional Wall Bracket 1 Light Fixture - Shadow Bronze
Kichler Transitional Wall Sconce 1 Light Fixture - Mission Bronze
Kichler Soft Contemporary/Casual Lifestyle Wall Sconce 1 Light Fluorescent Fixture - Polished Chrome
Kichler Soft Contemporary/Casual Lifestyle Wall Sconce 1 Light Fixture - Olde Bronze
Bundle Items & SAVE!
Kichler Hard Contemporary Wall Sconce 1 Light Fixture - Tannery Bronze
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How to select Wall Lighting
Selecting lighting fixtures for your house or office may seem like a very difficult task to complete. That is, of course, when you have no idea what factors to pay attention to and what details of wall lighting fixtures you should consider. Westside Wholesale has prepared the following guide to help you select the best lighting options for your home.
The first thing to consider when selecting a wall lighting fixture is the location where it will be installed. In addition to that, you need to ensure that the fixtures that you select will comply with the installation requirements of the room and entire building. Meaning there's no point of selecting a lamp that can't be mounted on a wall or spends too much energy when operating. In case you want to install wall lighting outside the house, look for lamps that are made from tamper-resistant and durable material.
When the location of your future wall lighting fixtures is specified, it is time to select the type of such lighting. This step requires time and attention, since there are hundreds of lighting options available today. The best way to select the type of a wall lighting fixture is to define its purpose. You can use wall lighting fixtures as the main source of light or to highlight a certain spot or item in the room. Wall lighting can also be used to create a romantic ambiance or to add style to the existent décor. Depending on the purpose of a wall lamp, select the fixture that matches your requirements the most.
The following factor to consider is the energy usage and the capacity of the device. The more time you want your wall lighting fixtures to operate, the more energy and money they will use. To ensure that you won't have to spend an awful amount of money on energy bills, look for fixtures that use energy-saving technology. The most common and well known lighting technology of such type is LED. An LED wall lamp spends 5 times less energy and lasts 3-4 times longer than any conventional lighting device.
Quite often, wall lighting becomes a tool that helps decorate the house both indoors and out. You need to consider additional features of your future wall lighting before purchasing any fixtures. We are talking about control options, operating modes, the color and brightness of the light of such fixtures. In addition to that, consider the mounting tools that you will need for the installation of each wall light. If you won't mount the lights yourself, consult with the person who will perform this job for you.


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Indiana wins series 4-2
|Game 1: Sunday, May 5th
|Recap »Boxscore »
|Game 2: Tuesday, May 7th
|Recap »Boxscore »
|Game 3: Saturday, May 11th
|Recap »Boxscore »
|Game 4: Tuesday, May 14th
|Recap »Boxscore »
|Game 5: Thursday, May 16th
|Recap »Boxscore »
|Game 6: Saturday, May 18th
|Recap »Boxscore »
Coverage: TNT
7:00 PM ET, May 14, 2013
Bankers Life Fieldhouse, Indianapolis, IN
Top Performers
NY: C. Anthony 24 Pts, 9 Reb, 1 Ast, 1 Stl, 1 Blk
Ind: P. George 18 Pts, 14 Reb, 7 Ast, 2 Stl, 2 Blk
INDIANAPOLIS -- The Indiana Pacers finally figured it out.
When given the chance to take command of a playoff series, they can't give it back. On Tuesday night, they didn't.
George Hill scored 26 points and Paul George had 18 points, 14 rebounds and seven assists, leading the Pacers past the New York Knicks, 93-82, and to within one win of their first conference finals appearance since 2004.
More From ESPN.com
Looking for the real reason the Knicks have sunk to a 3-1 deficit? It's Paul George, who extended his national coming-out party Tuesday night, Brian Windhorst writes. Story
Carmelo Anthony is being let down by his crumbling Knicks supporting cast -- not the other way around, writes Ian O'Connor. Story
• Radio: Stephen A. Smith | Tim Legler
• Reaction | 5-on-5: Semis
• Radio: Mike & Mike | Austin Croshere
• Knicks Blog | ESPNNewYork.com
"We wanted it," George said. "For us to come out with that edge, still, after being up 2-1 and being on our floor for Game 4, for us to be up and ready and have an edge to play, it just speaks to how focused we are right now."
It was a far cry from what Indiana experienced a week ago in New York. Or last year at home against Miami.
Last week, the Knicks rallied from a Game 1 loss, using a 30-2 run to blow out Indiana at Madison Square Garden and even the series.
A year ago, the Pacers held a 2-1 lead over Miami but gave away Game 4 and never won again. Miami went on to win the NBA crown.
So the Pacers went into Tuesday night determined not to let it happen again, certainly not with former stars Reggie Miller and Rik Smits in the house watching their old team hand it to their old rivals.
"I just think that our focus has been better than it was," Indiana's David West said. "We might have surprised ourselves going in there and getting Game 1. Naturally, we may have had a little letdown, but we talked about maintaining our home court and our focus in these two games and we were able to accomplish that. Our next goal is to compete hard with an opportunity for a close-out game in a tough environment."
The Pacers were strong defensively again, had another big rebounding advantage (54-36) and never really let the Knicks challenge them in the second half. They can wrap up the series Thursday night in New York.
Desperate New York tried everything to change the script. Nothing worked.
Kenyon Martin played 29 minutes and J.R. Smith logged 31½ despite missing practice Sunday and Monday because they were ill. Guard Iman Shumpert started even with a sore and swollen left knee that had the Knicks so worried they brought an orthopedic doctor to Indy to examine it Tuesday. The doctor determined there was no structural damage.
Amar'e Stoudemire was called for four fouls in 11-plus minutes in his second game back since March 7 and had only four points and four rebounds.
Cleaning Up At Home
The Pacers have been unbeatable at home this postseason, winning games in Indiana by an average margin of 15.4 points. Here's how their home and road splits compare:
|PPG doff
NBA scoring champion Carmelo Anthony finished with 24 points before fouling out with 2 minutes left in the game. He took only four shots in the fourth quarter and was held without a basket over the final 12 minutes for the second straight game.
Smith, the NBA's top sixth man, scored 19 points, most coming in a futile attempt to rally his team late.
And on a night New York shot just 35.6 percent from the field and 28.6 percent on 3-pointers, the ugliest part may have been how the Knicks lost their composure, giving away points on technical foul calls, arguing with the refs, even smacking the press table in frustration.
"I can't lose hope," coach Mike Woodson said. "It takes four games to get out of this series. We go home, we handle our business and we get back here on Friday and see if we can force Game 7."
Game 6 would be Saturday, but given the Knicks' track record at Bankers Life Fieldhouse, it might not matter.
New York dropped to 0-4 at Indiana this season. The Pacers and Memphis Grizzlies are the only playoff teams that are unbeaten at home. Indiana has won all five home games by double digits and has won five of its last six overall.
New York is convinced it can get things turned around quickly after losing five of its last seven, mostly because of horrendous shooting.
"It's do or die, we got to win the next game," Anthony said. "But there's no need for anyone to hang their heads at this point. We've still got a game to play, we've still got to play basketball and we've got to do it being very confident and knowing and believing that we can do it."
How bad was this one?
New York tied the score at 14, then allowed the Pacers to go on a 9-2 run to make it 23-16 after one quarter. The Knicks never got as closer than five the rest of the way, and never led Tuesday night.
Instead, Indiana methodically extended the lead by fighting off New York rallies.
After the Knicks got within 35-30 in the second quarter, Indiana pulled away to make it 48-34 at halftime. When New York closed to 54-43 in the third, Indiana scored seven straight. And when the Knicks finally cut the deficit to 69-61 in the fourth, Indiana went on another 7-0 run to retake control.
But if the Pacers have learned anything over the past year, it's this: The series is not over.
"I think we have to go into New York like we're in an elimination game, like we're going about to get eliminated and play like we're down 1-3," Hill said. "I think if we do that and play with the same type of energy and passion that we played with tonight, we can come away with a win. But it's not going to be easy."
Game notes
The defending WNBA champion Indiana Fever were honored during a break in the game. ... Miller, the former Pacers star working the game for TNT, waved to the crowd that was chanting his name after a highlight reel from a previous Pacers-Knicks series was shown on the replay board. ... Former Indy 500 winner Mario Andretti and Colts players Robert Mathis, Cory Redding and Samson Satele all attended the game. ... Smith and Anthony were a combined 16 of 45 from the field on Tuesday.
Photo Wire
INDIANAPOLIS, IN - MAY 14: Paul George #24 of the Indiana Pacers arrives before Game Four of the Eastern...(Photo by Ron Hoskins/NBAE via Getty Images)
Around The Association
MVP: He wasn't exactly making hay from the field, but Paul George (18 points, 14 rebounds, seven assists) did literally everything else to help put the Pacers up 3-1 -- timely buckets, getting the Knicks into foul trouble, and making life miserable for Carmelo Anthony at the other end.
X factor: Rebounding. Surprise! The Pacers once again wiped the Knicks off the glass like so many dead bugs, outrebounding New York 54-36 on the evening. Even Frank Vogel was at a loss for proper superlatives during mic'd up timeouts, calling the effort "the best I've ever seen."
That was ... to script. Needing desperately to adjust, the Knicks instead tried matching the Pacers' brawn. The result? No tangible improvement on defense, and arguably a worse offense. Mike Woodson blinked first, and never bothered to re-open his eyes.
Research Notes
Who's to blame for the Knicks play in this round of the postseason? As compared to the first round, the players with the biggest percentage decreases in Player Efficiency Rating (PER) are Jason Kidd, Steve Novak and J.R. Smith. Carmelo Anthony has increased his PER from the 1st round by 11.1% in this series.[+]
New York Knicks
Close [X]
Indiana's pick-and-roll ball handlers shot 7-of-12 (58.3%) Tuesday against the Knicks. Entering Game 4, the Pacers' pick-and-roll ball handlers shot 34.3% when using this play.[+]
Pacers Pick-and-Roll Ball Handlers - This Series vs Knicks
Close [X]
The Knicks were 13-of-34 (38.2%) for 26 points inside the paint Tuesday against the Pacers. In their three losses in this series, New York has shot under 50% from inside the paint. The Knicks were among the top half of the league during the regular season, shooting 54.3% from the paint.[+]
Knicks Shooting Inside the Paint - This Series vs Pacers
Close [X]
Carmelo Anthony shot 25.0% (4-of-16) from the field when guarded by Paul George Tuesday, and is now shooting 31.6% against George for the series. Against all other defenders this series, Anthony has shot 55.6%.[+]
Carmelo Anthony Shooting by Defender - Tuesday vs Pacers
Close [X]
The Knicks have struggled offensively away from Madison Square Garden in this series, averaging 76.5 points per game on the road. New York scored 105 points in Game 2 at home, their most since the 1999 postseason, but did not score more than 82 points in either Game 3 or Game 4 in Indiana.[+]
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Car insurance rates by state, 2014 edition
Michigan is No. 1, but no one there will be happy about it.
The Great Lakes State has the highest average car insurance rates in the nation, according to Insure.com's 2014 study of auto insurance premiums.
West Virginia is No. 2, followed by Georgia at No. 3.
Michigan regained the top spot, which it held in 2011, from Louisiana. The two states have been No. 1 or No. 2 since Insure.com launched the study in 2010. This year Louisiana dropped to No. 7.
Ohio has the least expensive auto insurance rates, and Maine has the second-cheapest premiums.
Average car insurance premiums vary considerably by state for a variety of reasons – including the number of urban areas, traffic conditions, state insurance laws, the percentage of drivers who are uninsured, auto thefts and the number of car insurance companies competing for business.
Every state's average rates are propelled by a number of factors. While it's impossible to isolate one factor as being "to blame," we asked insurance agents for their take on their states' rates.
See also:
- The least expensive cars to insure, 2014-model edition
- The most expensive cars to insure, 2014-model edition
No. 1: Michigan – The 'blank check'
One of the biggest factors driving auto insurance rates in Michigan is the state's generous personal injury protection (PIP) benefits.
Under the state's no-fault auto insurance system, drivers must purchase PIP as part of their coverage. PIP pays for treatment of injuries for the driver, members of the household and passengers who don't have their own PIP coverage if any of them are injured in a car accident.
Ranking the states: Average car insurance premiums
|$ 2,551
|West Virginia
|$ 2,518
|$ 2,201
|Washington, D.C.
|$ 2,127
|Rhode Island
|$ 2,020
|$ 2,013
|$ 1,971
|$ 1,962
|New Jersey
|$ 1,905
|$ 1,830
|$ 1,810
|North Dakota
|$ 1,710
|$ 1,638
|$ 1,620
|$ 1,605
|$ 1,604
|$ 1,580
|$ 1,568
|$ 1,558
|South Dakota
|$ 1,557
|$ 1,541
|$ 1,529
|National average, all vehicles
|$ 1,503
|$ 1,503
|$ 1,499
|$ 1,440
|$ 1,400
|$ 1,399
|$ 1,397
|$ 1,388
|$ 1,385
|New Mexico
|$ 1,371
|$ 1,370
|$ 1,360
|$ 1,358
|$ 1,333
|$ 1,317
|South Carolina
|$ 1,316
|$ 1,222
|$ 1,207
|$ 1,202
|$ 1,192
|New York
|$ 1,173
|$ 1,149
|$ 1,114
|$ 1,087
|North Carolina
|$ 1,060
|$ 1,058
|$ 1,053
|New Hampshire
|$ 983
|$ 964
|$ 926
|Dollar figures shown are an average of all 855 vehicles surveyed in the 2014 model year.
Some other states require drivers to carry PIP, too. What's unusual in Michigan is the guarantee of lifetime benefits if someone is seriously injured.
"If it's such a great system, why isn't anybody else copying it?" notes Jeremy MacDonald, president of the Michigan Association of Professional Insurance Agents and president of the Mid-Michigan Agency in Alma.
Other states cap the benefits – in New York, the benefits run out when treatment costs reach $50,000; in Florida, the cap is $10,000.
But auto insurance companies in Michigan must pay out the first $530,000 for medical treatment when someone is injured in a car accident. The threshold, which last year was $500,000, was bumped up by $30,000 for the 2013-2014 fiscal year. A state-created nonprofit called the Michigan Catastrophic Claims Association pays for any treatment that exceeds the threshold. The association charges an annual assessment for every insured vehicle, and each year the assessment goes up. Insurers pay the assessment, which then is passed onto consumers.
This year's assessment of $186 per vehicle is not included in the average rate shown in Insure.com's study, but the fact that insurers are on the hook for the first $530,000 plays a big role.
Lawmakers have proposed capping PIP benefits and setting limits on how much doctors and hospitals can charge for treatment, similar to the fee schedule for workers compensation benefits. Hospitals and patient advocates have successfully fought against them.
The benefits are great, but they are becoming unaffordable, MacDonald says. "The blank check is becoming a burden for all families."
Statewide, 20 percent of drivers are uninsured, MacDonald says, and the problem is even worse in Detroit, where the rate of uninsured drivers is estimated at 60 percent. Detroit is one of the most expensive cities in the nation for auto insurance, which also affects Michigan's average rate.
"We've seen a growing trend of some agencies issuing seven-day insurance policies," says Jason Verlinde, vice president of the Michigan Association of Professional Insurance Agents and vice president of the Verlinde Insurance Agency in Richmond.
These seven-day policies are legal but clearly used as a way for vehicle owners to show proof of insurance to register their cars without paying for coverage after that, Verlinde says.
State officials have also seen a growing trend of fake auto insurance documentation. In a one-day snapshot of vehicle registration renewals in July, Secretary of State Ruth Johnson's office double-checked about 3,500 paper insurance certificates submitted by vehicle owners to Secretary of State branch offices across Michigan. More than 16 percent of them were fake or invalid. That led Johnson last year to launch the Fighting Auto Insurance Rip-offs task force, of which both MacDonald and Verlinde are members.
"We have bad guys who actually set up phony help desks so when our Secretary of State office clerks call to verify a policy, they reach a real person who vouches for a bogus auto insurance policy," Johnson said in a press release announcing the task force's creation.
Neither MacDonald nor Verlinde foresee much change in Michigan's auto insurance system. One bright spot, though, is the state has escaped any catastrophes. Consistent damage from catastrophes will push up a state's premiums.
"That may help soften some of the increase for next year," Verlinde says.
No. 2: West Virginia – Deer in the headlights
West Virginia doesn't have the traffic nightmares that states with big metropolitan areas have, but that doesn't mean collisions don't occur. In this largely rural state, a driver is more likely to hit a deer than anywhere else in the country, according to data collected by State Farm.
Such accidents drive up premiums for comprehensive insurance, which among other things covers damage from collisions with animals.
"These are 200- or 300-pound animals. They can do some severe damage," says Michael Winter, a regional director for the Independent Insurance Agents of West Virginia and vice president of the Bray & Oakley Insurance Agency in Logan. "If you come to West Virginia in October or November, you wouldn't drive down the road a mile without seeing a dead deer. There are certain roads that look like a butcher's shop."
Amber Heater, personal lines manager at G.J. Garton Insurance Agency Inc. in Weston, says people joke that "someone must be putting something in the salt boxes" that hunters leave out for the deer. "They're just crazy," she says. One client was injured when a deer jumped off a roadside bank onto her car.
"She didn't even know what happened," she says. "She thought a tree fell on her car."
But the deer can't take all the blame.
A booming oil industry has lots of gravel trucks on the road, and that's led to a big increase in chipped and cracked windshield claims, Heater says. Crews lay gravel on top of the mud at oil well digging sites. While in transit, pebbles fly off the trucks and hit cars.
Another factor impacting rates is a large number of uninsured and underinsured drivers, Winter says.
"A lot of people get 30 days of insurance and let it lapse," he says.
That drives up the cost of uninsured/underinsured motorist coverage for everyone else. Sometimes that portion of the policy costs almost as much as the liability coverage, Winter says.
After accidents, meanwhile, "people in general are quick to pull the lawyer card," Heater says. Paying out a large number of personal injury lawsuits increases costs for insurance companies and, ultimately, their customers.
Finally, West Virginia gets its fair share of bad weather, including snow, wind, hail and flooding, which damage cars and make driving conditions treacherous, the agents say.
No. 3: Georgia – Previous savings evaporate
Georgia's rates have been on the rise recently partly because the market was so competitive there for many years, says Victor Hamby, immediate past president of the Professional Insurance Agents of Georgia and vice president of Hamby & Aloisio Inc. in Atlanta.
"Companies had underpriced risk to get market share, so finally the losses caught up with them," he says.
A rising number of claims for uninsured/underinsured motorist coverage might also be playing a role, he says. During and after the recession, many people lowered their liability limits to save money. When a driver causes a crash and doesn't have enough liability coverage, the other driver's underinsured motorist insurance pays out. Hamby says his office used to see one or two underinsured motorist claims a year. Now it sees three to four a quarter.
Lawsuits also drive up costs.
"Every city rapid transit bus going by has a picture of a personal injury attorney on it," he says.
And traffic in Atlanta has gotten worse over the years, too, leading to more accidents and claims.
"If you've got decent weather, it's OK, but if you throw in a rainstorm, it's crazy," Hamby says.
Add snow and ice, like the recent storms that paralyzed the state, and traveling is a nightmare. Georgia also isn't immune from hailstorms and tornadoes.
No. 50: Maine – No morning traffic report
Maine has ranked as one of the states with the cheapest auto insurance rates since Insure.com began its annual study.
Its rural pace helps keep rates down. The morning ritual of listening to the traffic report to avoid gridlock is something residents confront only when they travel out of state.
"We don't have to deal with that at all," says Ken White, president of the Maine Insurance Agents Association and branch manager of the Hamden office for the F.A. Peabody agency.
That means fewer accidents and fewer claims.
"If you have to [process insurance claims] for a bunch of fender-benders on freeways, that'll certainly drive up costs for the insurance company," he says.
Another advantage is Maine's "notoriously stingy" juries, which are hesitant to open the insurance company's wallet in lawsuits from car accidents, White says.
A low crime rate pays off, too. Fewer thefts mean lower rates for comprehensive coverage, which pays out for vehicle theft.
Finally, although Maine gets more than its share of blustery winter weather, it's well outside Tornado Alley.
"We have snowstorms, but that doesn't clean out a bunch of cars all at once," White says
No. 51: Ohio – Lots of choice = best car insurance rates
The Buckeye State has consistently placed near the bottom of the list for most expensive states, but this year is the first time it has come in dead last.
Some 660 car insurance companies do business in Ohio, according to A.M. Best, with only Illinois and Texas having more auto insurance providers.
"I do think it helps having so many carriers," says Jeannine Giesler, president of the Professional Independent Agents of Ohio and chief operations officer of Diversified Insurance Service in Fremont.
The stiff competition, combined with the way insurance companies are regulated in Ohio, keep rates affordable and stable, says Mary Bonelli, a spokesperson for the Ohio Insurance Institute.
Car insurance rates have remained relatively low in Ohio for more than a decade. According to data from the National Association of Insurance Commissioners and estimates by the institute, the average amount consumers will pay for auto insurance in Ohio this year is the same as it was 12 years ago.
Insure.com commissioned Quadrant Information Services to calculate auto insurance rates from six large carriers (Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm) in 10 ZIP codes per state. Rates were compiled in January 2014.
More than 850 models are included in the 2014 study. We then averaged rates for all vehicles surveyed in each state to create the rankings. Rates are for comparative purposes only within the same model year.
Rates are based on full coverage for a single, 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. The hypothetical driver has a clean record and good credit. The rate includes uninsured motorist coverage. Actual rates will depend on individual driver factors.
More from Barbara Marquand here
Ready to get a quote?
Get quick and easy auto insurance quotes


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Los Varietales
Los Varietales B&B is a family hotel perfect for escaping the noise, 8 blocks from the downtown area. A Buffet breakfast complete is included.
Availability & RatesTo view availability and prices please select dates and click 'Update Dates'
B&B Facilities & Policies
- Bicycle hire
- Breakfast Included
- Cable TV
- Child Friendly
- DVDs
- Free City Maps
- Free Internet Access
- Free Wifi
- Internet Access
- Kitchen
- Laundry Facilities
- Luggage Storage
- Outdoor Terrace
- Safety Deposit Box
- Towels Included
Cancellation PolicyThis property has a 1 day cancellation policy. Failure to cancel within this time will result in a cancellation charge equal to the first night of your stay.
DirectionsShow MapHide Map
Between the streets Av. Peru and 25 de Mayo. 1 block away from the New Central Park, and only 7 blocks from downtown.
Terminal of Omnibus: 5 minutes in taxi. US$ 3.50
Airport: 15 minutes in taxi. US$ 10.00.


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Simply Right Ultra Plus Pads - 168 ct.
by Simply Right | Item #: 357434 | Model #: SIR00601 | (38) |
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You can't buy an open source program; but you can buy developers or names, which is worth a lot.
Many people know what MySQL is, few know MariaDB even exists. That's why I still think it was smart to buy it.
Now, what Orale is doing with MySQL isn't that great. But if they fail, it will be their fault.


text:
Download the Recycled Tissue and Toilet Paper Guide to your mobile phone.
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Your every day choices leave an imprint on the earth. There are many ways that you, as an individual, can step a little lighter on the Earth.
Some of our favorite images from around the world
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Want to learn more about tax-deductible giving, donating stock and estate planning? Visit Greenpeace Fund, a nonprofit, 501(c)(3) charitable entity created to increase public awareness and understanding of environmental issues through research, the media and educational programs.


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Bobbie Thomson Campground
This is a rustic little campground near Douglas Creek with widely spaced sites, which provide some privacy. Some sites are nestled among a dense stand of Lodgepole pines while other sites are open and...[more]
From Laramie, take WY 130 west 21.7 miles to WY 11. Turn left and go 13 miles to Albany. From Albany, take Forest Route 500 2.8 miles to Keystone sign at FR 542 at "Y" intersection. Bear left onto FR 542 and go 5.8 miles to another "Y" intersection. Bear left toward Fox Park and go 1.3 miles to campground sign and turn right,crossing single lane bridge, then go 0.8 miles to campground.
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Toddler Blocks Carpet
This sweet and simple rug is perfect for little ones to learn and play on. The softer colors and 14 cute icons are sure to warm up any room.
* This item will be drop shipped directly from the vendor. Please allow 2-6 weeks for delivery.
Express Delivery Surcharge
We add a surcharge for expedited delivery of a few items because of their weight, size or dimensions. This charge is in addition to our base shipping charge for Next Day or Second Day Air.
|Second Day
|Next Day
|Toddler Blocks Carpet (6' x 9')