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Pet Insurance: Is It Worth the Cost?
Published on - December 29th, 2010 (by Sierra Black)
This post is from staff writer Sierra Black. Sierra writes about frugality, sustainable living, and getting her kids to eat kale at Childwild.com.
My cat, Monster, died two weeks ago after a struggle with cancer. Monster followed me home one day when I was 17; he was with me through every heartbreak, every move, job, boyfriend, and roommate. I'm grateful for the fifteen years we had together, but I miss him. I'll miss him always, I suspect.
Monster's death left me with a tough decision: Should my girls get kittens for Christmas? We'd been thinking of getting the kids kittens for awhile, but held off because Monster was old and frail. I didn't want a pair of kittens to terrorize him. While it felt too soon to me to get new cats, my older daughter asked very gently if she could get a cat of her own "a few weeks after Monster died".
When my other daughter's preschool held a holiday pet adoption & craft fair, the deal was clinched. We came home with two kittens.
The kittens came with a brochure for pet insurance. I've never had pet insurance, and I wondered if a policy might be worthwhile, especially for young cats who need extra care and appointments, as well as vaccines.
Veterinary care gets expensive fast. I tapped out my modest $1,000 emergency fund paying for Monster's end-of-life care and cremation costs. I have never been so grateful for my new financial skills as I was when I was able to write that check without worrying about where the money would come from.
Between paying for my elderly cat's illness and adopting two kittens, vet bills have been on my mind a lot. So I looked into my pet insurance options. I decided to "self-insure" my pets by putting more money into my emergency fund, instead of buying an insurance policy to cover their medical costs. Here's why:
- Pet insurance costs about $1 a day. That's $365 a year. My cat's medical care typically costs about $300 a year. I can readily save that money myself.
- Routine care isn't covered. While an accident or serious illness could suddenly befall my cat, routine care is the bulk of expenses I have ever paid for a cat. It's true that a sudden illness could escalate those costs dramatically. This just happened to Monster as he was dying. After 15 years of cat tending, though, I have a decent sense of how much it costs on a day-to-day basis, and how common these expensive accidents or illnesses really are.
- Money in my emergency fund is more flexible. I can use those dollars to pay for a surprise vet bill or a blown radiator on my car or a washing machine repair. The money isn't dedicated to a particular cause, it's available for whatever emergency life throws my way.
Of course, emergencies can pile up, making the flexibility of emergency funds a moot point. That's a risk of going it alone. For example, shortly after my cat died, I developed a problem with my hands that needed intensive medical care.
For an insurance policy to seem worthwhile to me, it needs to be cheap, easy to use, and cover routine expenses. AAA is a great deal for me, for example, because my annual membership costs about what one service call does, and driving a used car I use it every year. If they didn't cover routine roadside incidents like flat tires, I'd drop it because that's the bulk of what I use them for.
It's almost always better to self-insure your stuff (and your pets) than to buy a warranty or insurance policy. The two big exceptions in my life are home and health insurance. I can't reasonably squirrel away the cash to replace my home, and a catastrophic health event can set me back hundreds of thousands of dollars.
Health insurance also covers my routine care. I don't get my money's worth out of my health insurance every year, but I always have my care covered. My insurance premiums are the only significant cost I pay for health care. They pay for 5 physicals, any number of sick care appointments, and the various specialists my family members see.
Pet insurance would only cover major medical incidents. Cats don't, in my experience, have as many of those as people. In 15 years I've paid for one surgery and two illnesses with my cats. That doesn't suggest a lot of use for my pet insurance policy. If I'd paid insurance premiums all those years, I'd have paid over $4500. The cost of major medical bills has actually been less than half that.
Any insurance or warranty program works because most of its customers pay more in premiums than they consume in services. That's how an insurance company makes money. Before giving them some of yours, think very carefully about what kind of customer you are. Will you be paying more in premiums than you get in service? Or the other way around? Of course it's impossible to know what the future will bring, but here are some good questions to ask yourself:
- Can I save this money myself? Be honest. Do you have the income and the discipline to save for an emergency. You want the answer to be yes, but wishing doesn't always make things happen. If you don't have the savings or a good way to build them, start working on developing those skills. Some things you just can't self-insure, but many you can if you're diligent.
- What kind of consumer are you? For example, an outdoor cat is going to be more prone to accident or illness than an indoor cat. That might alter the equation on whether or not pet insurance is worthwhile to you.
Whatever you decide, I hope you never have to use your insurance or emergency fund to pay for a sick or injured animal. May all of your pets live long, healthy, happy lives.
When I was a child, every one of my cats died a violent death – or just disappeared – due to my parents' policy of letting them roam outside. One of our dogs was shot by a neighbor and one was run over by a handyman. You tend to get a bit fatalistic about animals with a history like that.
However, I gladly spent nearly $2K to diagnose a cat who presented a detached retina. Turned out he had inoperable cancer. The best choice – financially AND for him – was peaceful euthanasia.
Because of where I live, annual "routine" care including physicals, vaccines when indicated, and dental care runs upward of $1000 for my indoor, neutered cats. They went for a few years without seeing the vet when my personal economy put my needs ahead of theirs.
Pet insurance is something I attempted at the start with my present cats, but the very first claim I submitted was denied, so I dropped it. If they wouldn't pay to fix a broken fang, I was not about to continue paying $65/mo and take a chance on whatever else they wouldn't cover.
RIP Monster!
When we got our dog, we also got pet insurance. It's through Embrace, costs $25/mo and only covers unexpected illness. We could add coverage for routine care, dental and prescriptions, but wanted to keep our premium low.
Our dog really sick when he was about 5 months and our vet bill was insane–$12000!! Embrace paid about $10K of that so even if our dog never has another sick day in his life, we've come out way, way ahead.
I know this is an unusual case, but that's the point of insurance.
From a money perspective, insurance is never worth it. You're always going to be paying out more than you're going to get back on average. The evidence for this is that insurance companies are in fact profitable, even after accounting for all their overhead.
The only exceptions to this are insurance policies which you get to minimize catastrophic risk (like home owners) or insurance policies which are subsidized by other parties (like health care). In other case, I general avoid insurance, it's not worth it. I have two cats and one dog and, after doing the math, I'm much better off without insurance, even with Dopey's $5000 leg surgery the other year.
I just overpay at the vets office and run a credit on the account. So if the bill is $72, I right the check or have them charge me $100 – over time that adds up and comes in handy for anytime I don't have the money.
Why couldn't a post like this have come sooner? The opinion of the author is not even what's important, but just the fact that there are people like me who didn't even know there was such a thing as pet insurance. I heard a rumor of it just 2 weeks ago – I had no idea it was so true.
My beloved cat of 14 years has been having some problems walking and some other symptoms which I was told may be related to a brain tumor, but an MRI would be necessary to be sure. I looked up the cost of an MRI – around $5,000 and the nearest place to do it was at least 5 hours away. At first I wanted to do it, do anything to save my best friend, even though I am a student and $5,000 is more money than I'll make all year, but then I was told that even if they do find a brain tumor, it may be inoperable. And I looked up stories of pets with brain tumors and found out that some of them die on the operating table. My cat seems happy now, he seems fine, but he is aging and I thought brain surgery may be too traumatic for him. I didn't know what to do, so thus far I haven't done anything. A previous pet had cancer.
If I could do it over again, if I had known about this pet insurance option, I would have done it. I would surely get the MRI for my cat and make a more informed decision if it wasn't $5,000 spent for something that may be inoperable. I am really tore up about this; I feel like maybe I should have gotten it for him right away. Maybe he's getting worse and I don't even realize it. It's really a horrible feeling.
But $5,000 is more than I could have saved in an emergency vet fund and would be well worth paying the pet insurance.
"Any insurance or warranty program works because most of its customers pay more in premiums than they consume in services. That's how an insurance company makes money."
That's way oversimplified. Because of competition, most insurance companies make money only off of investing the premiums until they are required for services.
I've had many pets and loved them all dearly. Additionally I've gone made absolutely sure that I give them the best quality of life that I can while they are still able. Still, I draw the line at expensive vet treatments. Often they are futile anyway. Once I shoved pills down a cat's throat twice a day for four years. Eventually I realized that her constant meowing meant that my keeping her alive at all costs was ridiculous. On top of that my vet changed hands and the new pill price went from .50 to $2 per pill. The next two pets I adopted I swore I would only buy cheap food for and routine vet appointments, but nothing costly. I even feel that if I myself were to get a disease in old age I would not spend a fortune trying to prolong my life.
I looked into pet insurance after we adopted two kittens. To my sad discovery, pet insurance doesn't cover very much and they charge a lot for what they do. I was mainly concerned with routine care – which was something like an additional $30 per year. That's about how much the vaccines are! The best route, I decided, was to build up an emergency fund especially for my cats. At least I'll see some of that money if I ever need to use it.
P.S. Monster is a cute patootie! I'm sorry for your loss. My childhood cat passed the same way two years ago and I still flinch at the color pink (the color of the stuff used to put down animals).
After one of our dogs cost us ~$4500 last year, we decided against getting insurance for him because he has basically reached his "lifetime cap" for medical expenses.
Katie: I'm not sure how you came to the conclusion that pet insurance would not have been worth it in your case. According to your information, it cost you 8,000 for the back surgeries. Pet insurance costs roughly $30/mo or $360/yr or $5040 if your pet lives to be 14 years of age.
Personally I have done tons of research into pet insurance policies. The payout for them is low, I remember about 60% while the payout for human health insurance policies comes close to 90%. These figures are from memory but if someone can confirm or detract that would be great. Anyways, if you are part of that average, you will only "get back" 60% of your premium. For me that is fine, I will pay a premium in order to make sure I can afford any health care cost my pet needs. This is the right choice for me because I own a Golden Retriever who have hereditary issues(which are covered) that can cost thousands of dollars. They are also very active dogs which increases the likelihood of injury.
I think you are being a little harsh toward
LifeAndMyFinances. Here's what he/she said:
"For those that pay $5,000+ dollars to "save" their pets for just a few more days – I think they're crazy."
He didn't say that $5k for lifesaving surgery was crazy, just for those end-of-life procedures that simply prolong life for a few more days (we could probably have the same discussion about doing it for people as well).
When we got our puppy, at 8 weeks old, we though we didn't need the pet insurance. At 6 months old, she was diagnosed with an autoimmune disease. This was after 2 MRIs, 3 spinal taps, and numerous x-rays. Her immuno-suppresents costs $125.00 monthly. When she gets even the slightest bug, it results in a minimum 5 day stay in critical care because her immune system is so suppressed.
We have literally no savings left. So far, it has been extremely hard to get our 6 months living expenses funded. I know that some readers will say it is absolutely crazy to spend that much money on an animal, but she is part of our family, and we will do whatever we can to keep her healthy and out of pain. The love she gives us has no price.
Do I regret our decision not to get her health insurance? In a way, I do, but hind sight is 20/20. It would have saved us money, but how much is unknown. Our situation with our sweet girl is not the norm. We did not get insurance for our kitten we rescued. We just take it one day, or should I say on health incident, at a time.
Thanks so much for this post! I just got 2 kittens myself and after their first round of vaccinations, was thinking about buying pet insurance. You've totally talked me out of it!
My parents always joke, too, that as soon as they stopped taking our pets to the vet, they stopped getting sick.
P.S. So sorry to hear about Monster
Kestra #23 makes some good points.
I've looked into pet insurance a few times. The value of the insurance varies a lot. VPI seemed to be limited on its payouts which you only find out by reading the details of the contract in full. PetPlan seems much more straight forward coverage.
If you can afford to pay vet bills and won't have a problem with a large expense then pet insurance is not 'worth it'.
For me I'm thinking of it simply cause I'd rather pay $200-$300 a year than be faced with the choice of a very large vet bill or euthanasia. If my 10 year old cat broke her hip tomorrow and surgery would cost $5000 then I'd have a hard time with that decision. Some people would not have any problem paying that kind of money for a pet. I'd have difficulty justifying such a cost to myself. I'd rather pay $300 a year as a routine cost and not have to worry about it.
Its insurance. Like any insurance you hope you won't need it, it costs money and is not necessarily 100% 'worth it' but without it you're risking a large cost.
But you definitely have too shop around and find a decent policy since some pay out very little and have caps that make them almost worthless.
Great Topic. I came to the same conclusion as you did. I also did some research and found out that if you have a healthy pet they do not need to see the vet every 6 months. 2 years is OK. Also if you are doing your heartworm and flea do not get the test every year, if they have it they have it and will die from it why pay for this service. There are also other shots they do not need if they have already had the sickness when they were young. Research it. I also went into my vet to get a bordella shot. He would not give it to me because he was a member of some association that said he had to do check ups on his pets every 6 months. If they catch kennel cough the anti biotic is cheeper than the shot by a long shot and it clears up quickly. I think if everyone buys insurance it will only raise the cost of care just like it did for humans. You will not be able to charge $4000 for a procedure if the market will not bear it. If the insurance makes the market invisible to us we all suffer.
Jeff, I'm in the pet insurance industry (Trupanion) and we payout more than 70 cents on the dollar and our goal is to get 80. Industry average is 52-55%.
Pet insurance is for peace of mind in case the worst should happen. It is not stock in which you're trying to get more money than you put in (unless you *want* your pet to get hurt or sick!)
@49: Sounds to me like you need to look at a diet change: http://www.rawlearning.com/rawfaq.html. With as much as you spend on teeth cleaning alone you could feed your dogs an awesome raw diet and not worry about teeth issues anymore.
My opinion on the insurance subject is don't get it. Spend your money on high quality food and pet products and put some in an emergency fund. Lots of health issues can be avoided with a healthy diet, and those that can't are covered with your emergency fund. Let's call it a Health Savings Account for pets.
Setting aside that LifeandFinances has set up an extremely rare and likely false dilemma ($5000+ for a few more days), I bet there is a big gulf between the rational cost-vs-benefit claims of what people "would" do if a pet became very sick, and the reality of their choice if confronted with such a situation.
When you have experienced the love and joy of owning a pet for several years, I think you know deep down that rationality aside, you would pay pretty much anything for a chance to save your animal when you are at the vet, holding that warm, furry, confused body. I would always make decisions based on that prospect.
Sorry to hear about the cat! Pet Insurance has been an interesting concept since it became popular a few years back. It does almost make sense to have it, seeing how much you could (in theory) save.
I think the biggest challenge for the whole insurance issue, is no one really knows about it, nor have the incentive to ask, just yet. I bet one day, it'll be as mainstream as life insurance (for humans)
Another thing to consider is that common breed-specific problems are often not covered. If your breed is prone to hip displaysia or ear infections or back problems, do not expect insurance to pay.
Wanting pet insurance to cover routine care will ruin pet care just like health insurance has ruined people care. An office visit, physical, yearly vaccinations and blood work at a vet costs me ~$100, a simple office visit alone costs my insurance company ~$250 (or that's what they charge, and the insurance company pays out something like $90). Doctors do this because insurance companies base their reimbursements on some average price – some percentage, so if the doctor wants to be paid x amount, they have to charge x + y, this leaves cash people in the lurch. If doctors had to charge their customers directly, like your vet does, they wouldn't charge $250 for a visit because they know you wouldn't pay it. Pet insurance will do the same thing to vet care if we let it.
As to the value of pet insurance, every time I've done the math, it just hasn't worked out. There's too many things it doesn't cover, most insurance only insures during the times your dog is less likely to have issues and even the stuff it does cover it covers at a pittance in comparison, so by the time you've paid your part you might as well have just self insured and socked the money into an interest bearing account. I've paid $300 every 3 months for a chronic condition in my dog (that the insurance would have covered $50 of each time whoo!), I've paid $600 to have a growth cut out and checked. I buy better food for her health (though, at $50 / 30# it's hardly expensive) and I've spent plenty on her in other expenses, but even totaling it all out, I've come out ahead. Even if I had to spend $5000 in one go, at the rates my bank gives me for personal loans, that's a mere $100 / month (and only $30 more than insurance would cost). Ultimately, I've decided that if the time ever came when I was looking at outlaying a large chunk of cash like that in one go, and looking at continuing expenses after that, then I would let my dog go. She is a wonderful dog, but her life has been hard and she owes me nothing. I can't look her in the face and explain all the pain she's about to go through is for her own good, or how even though she's suffering with whatever calamity has befallen her, that I still want her around. When her time comes, it's her time, and even if insurance could make it so that her living 6 more months was affordable, I don't think the cost to her would be worth it.
Stacy, thanks for the information, that's pretty close to what I read before.
To the people who say pet insurance doesn't cover hereditary or chronic conditions: Yes it does. You have to look for companies that will cover it. Mine does, I pay $32/mo and I have a $200 per incident deductible then 100% coverage up to $8,000 per year. They cover chronic and hereditary conditions and they guarantee policy renewal regardless of your claims.
I don't expect to or want to "get back" my premium. I love my pet and I love my money, I never want to be put into a position to choose between the two.
Edit: I also want to note that I adopted my Golden Retriever and I bought insurance for him in case he had poor breeding. My main concerns were hereditary conditions so I made darn sure it was covered.
I am a veterinarian and recommend pet insurance to all of our clients. Check out http://www.petinsurancereview.com for a breakdown of all of the costs and which plans cover what conditions. While it is true many plans don't cover routine care, many of them do. Also, some of the high deductible emergency only plans are less than $10 per month. Make sure you do your research and see what conditions are not covered, i.e. back surgery for Dachshunds or hip dysplasia for German Shepherds.
A few of the other comments I will make note of. $365 per year on pet care would work for young healthy cats, but probably not dogs. If your pet was to get sick, injured, or have a treatable but uncurable disease, such as diabetes, then medical costs will be much greater than $300 per year.
Care Credit was mentioned, and is offered at many clinics. Our hospital offers a plan with 6 months no interest. Another poster mentioned that it is rare to do procedures for more than $2400. It's not that rare or uncommon for hospitals to perform procedures that cost much more than that. Hip replacements for dogs range from $3500 to $5500 per leg in our area of the country.
The decision of how much money to spend and how far you are willing to go with your pets is an individual decision. I see people every day willing to do anything and everything it takes, no matter the cost. I also see people who are like the first poster, although they are rare. For pet insurance the bottom line is I think it's worth it, just do your research.
If only all our financial decisions were rational…
Of course I have doubts about the financial benefits of having Pet Health Insurance. Neverthless I got insurance for my two cats and I am happy with my decision. I also put an equivalent amount in an ING Direct account for them (roughly 40$ per month). The savings in the ING acount will eventually make-up for the deductible and the 20% co-pay. The policy I chose has a high deductible amount (500$) and doesn't cover predictible and budgetable expenses such as yearly check-up and vaccination(I don't insure my groceries expenses). Claim process is easy : I just sign a blank form and the folks at the vet clinic take care of the rest at no charge (I love these people).
Why do I buy pet insurance ? Essentially for the peace of mind. I don't want to face that gut wrenching process of deciding between a 5,000$ treatment and putting my animal to sleep. Knowing there is an insurance coverage will automate my decision. The Insurance Company will not cover euthanasia and cremation unless putting down the animal is the only option and is recommanded by the vet. Unrational thinking ? Totally, and I assume it ! But hey : why do folks buy a 80,000$ BMW when a 45,000$ Lexus would do the job (or even a 25,000$ Chevy) ?
I do have a question regarding your post : you wrote that Home and Health Insurance are important for you. But, given that you have young children, what about Life Insurance ?
Things are a bit different "down under", when our dog dies he will be buried in the backyard – cremation you must be kidding.
RE: #1 – I don't understand why people are so opposed to *others* paying out the nose for vet treatments. Pets are a luxury, and if you can afford them, great. We recently paid $5k in vet bills when our 13 year old Yorkie started having seizures*. BUT – we can afford it. No debt, e-fund, 10 year old car, no cable, 6 figure income, etc. My dog is more important to me than driving a new car (which would certainly cost more than $5k). Why is that crazy?
*As an aside, the seizures were caused by an infected uterus. We got her when she was already 10 years old and thought it would be too risky to get her spayed at her advanced age. Turns out it was riskier not to – always fix your pets! It was an expensive and stressful lesson for us.
Like Michele I also have Embrace pet insurance. I just got it in March and my dog needed $10,000 worth of surgeries in December. I only picked the $5000 plan (wish I had gone for the $10,000 one). They have paid the entire $5,000.
Years ago I rescued another dog that needed 2 major liver surgeries among other surgeries. I did not have insurance and it took over a year to pay off the bill.
I kept puting off getting insurance because of all the negativety I read about. Then I read an article about Embrace that changed my mind. I didn't get the coverage until my girl was 5 (accident and wellness) and my boy was 8 (accident only).
When the time came to make the claims, I paid my yearly deductible first (which i chose) and then they paid 80% of the bill. They let me know when they received the bill from the vet, and when my check is going out (within a month). I don't know what I would've done without them.
For me, my furchildren are just that, My children. To me this insurance is worth every penny.
I don't know if pet insurance is usually worth it for a cat or dog, but for my wife and I's rabbits, it was a huge plus. Rabbits are often considered exotic, so it's more difficult to find doctors who know how to treat them for illness. Add to that the fact that rabbits don't outwardly show signs of illness until things get really bad — causing many vet trips for rabbits to be emergency, often late-night ordeals — and you have bills that can add up really quickly. So for those with exotic animals, it might really be worth it to look into.
Oh, and sorry about your cat.
To Anthony from Down Under :
Not everybody has a backyard.
@Anthony #76 – when a cat dies in the summer here, we bury it in the backyard. But my last cat died in November, after the hard freeze – no way was I storing him in the kitchen freezer until May or June.
I've always been in two minds about pet insurance. I feel like I'd rather save and invest the money myself but like all investments this requires discipline. It's a difficult decision to make but one that every owner has to confront as early as possible to avoid being crippled by any vet costs.
Terrible advice. My first dog had a single lifesaving incident for $8500. She lived another 5 1/2 years after a liver disease that she had for the rest of her life. She was on medicine etc. I had many other vet bills also. My tiny bills were 500 a pop. I had many in the 1000-2000 range. I have pet insurance on my current dog. I also put money away for other costs etc. My goal is to insure the major events not the minor ones. Unfortunately people just dont get it with insurance products. Whether it is your own health insurance, pet etc you want to keep premiums at the lowest level by insuring the major events and saving money on the side for the minor or out of pocket stuff. People want every last cost insured and the cost for that is way too much! Check out the pet insurance company and read the details before you buy.
Great article Sierra! I appreciate your common sense approach to a very heart felt matter.
@robertw #83
I agree with you. Insurance is for catastrophic events. Get a good coverage for illness and accident. No routine care, because that mean delegating your buget to an insurance company. Select a deductible amount as high as possible (equal to the financial risk you are able to take). Your premium should then be within a reasonable limit. If your emergency fund is big enough,let say more than 10,000$, you can always skip the insurance. But I think most pet owners will be caught in an emotional dilemma that sounds like : is this reasonnable ? What if Kitty dies anyway shortly after that 8,000$ treatment ? And then, worst case scenario, what happen if you lose your employment shortly after spending that emergency fund ? I guess you get the picture.
All this being said, pet owners are the primary beneficiaries of this kind of insurance. The are buying themself emotional comfort. Fluffy has no clue about this.
#77, that's very good advice. As a shelter volunteer, I've seen dogs neutered/spayed as old as 13 because the shelter won't adopt out unless the pet is spayed/neutered. Many people don't get that there are health benefits to spaying/neutering so even if you don't breed your dog and can ensure no accidents, spaying helps reduce mammary cancer and, as you know, uterine issues and neutering reduces testicular cancer.
Sorry to hear about your loss. There must be a story behind Monster's name!
We have a cat and a dog and are self-insured when it comes to their care. The insurance just doesn't see worth it.
Sierra, completely agree that when pets are healthy for most of their lives it may not seem like a necessity to get pet insurance (and you have those 15 years to save up for end-of-life care). However, having now had two close friends deal with $10,000 vet bills because of their dogs getting into car accidents (one was 2 years old and the other was 10 months old), I'm truly in favor of pet insurance. My two friends weren't insured at the time, but both have Healthy Paws (www.healthypawspetinsurance.com) policies now, just as I do. I just can't imagine spending $10,000 or more for vet bills, so my dog's had pet insurance from day one.
Firstly my sympathies are with you Sierra. Losing a pet is horrible.
I'm going to differ in opinion here to most. My wife and I kept the insurance for our recently passed cross-collie, simply because we never wanted his health and life to be a financial decision. We're glad we did because in his later years, and especially the last few months, the costs were coming more frequently.
We loved that dog and we miss him, but at least we don't have any regrets. We gave him all we could and when it was that time it was because that's the way nature would have it, not because we couldn't afford his vet's bills or a required treatment.
BOO! This post is a joke. I have been an Embrace pet insurance customer for years and my experience has been wonderful.
Sure, you can self-insure anything, I could self-insure my medical expenses, but everyone knows that would be stupid. So why are pets different? They're not. Anyone with a pet will tell you that $300 isn't going to pay for any major, veterinary procedure. Pet injuries and illnesses can cost well over $5,000 to treat, which means it would take more than 16 years of "self-insurance" to pay for the procedure. Furthermore, how do you pay for a major procedure if it happens in year 2 or 3 or 5?
Discipline and psychology aside, this article is nothing more than bad opinion and conjecture. If Ms. Schultz put even 5 minutes into her research she would find that respected pet insurance companies like Embrace offer wellness programs and flexible plans to meet your needs and fit your financial situation.
Of course none of us like paying for something we don't use, but that's not the point of insurance. Insurance is a hedge against potential, future financial losses and there is no better time in our country's history for responsible pet owners to insure their loved ones in order to avoid putting a $9,000 hip replacement on their credit card.
I'm shocked this was posted on such a respectable publications website.
Saving up for major medical expenses is good, but it really only works for pets that don't get sick until they are older.
I had a dog who died of kidney failure at age 3. His initial diagnosis was when he was nine months old, so, if we had saved the cost of his monthly premiums for that $3,000 vet bill, we would have saved only $210. (We had the insurance for six months, as we got him when he was three months old.) Instead, we were reimbursed about $1,500 of our vet bill.
Our current dog ruptured one cranial cruciate ligament at age 4. Within the period of treatment for that injury, we quickly broke even and began making money each month. He ended his treatment, but has now ruptured the CCL in his other leg, so we expect to get into the break even point again very quickly and reach a point where our reimbursements exceed our premiums. And, this is without surgical treatment, just physical therapy. Surgical treatment would have taken us past the break even point immediately.
These were both giant breed dogs, and their health care is really expensive when something goes wrong. We do not have coverage for regular check-ups, which are reasonable expenses for us to expect to pay. (Our insurance company offers that coverage, but the trade-off in premium expense is not worth it.) Without that insurance we would have had to go into debt to pay for his treatment, because we would have wiped out our savings, if we had been saving the premium amount since we got this dog.
For anyone who has a large or giant breed, I definitely recommend insurance. For smaller dogs and cats, you are probably right–the lifetime premium payments are more than you would likely spend at the vet.
You should look into Embrace Pet Insurance. They have gone above and beyond the call of duty for our dog and we've saved several hundred dollars in expenses. I was skeptical at first, but was extremely happy once our our expenses were covered.
Same thing goes for shipping insurance from USPS. I do lots of shipping for my online business. If I insured ever item I sell, I would have been out about $15,000 in insurance, for probably $500 worth of claims. Yet, some people are not willing to take any risk. My take is, if a loss won't cause financial ruin, skip it.
I have returned to this thread several times. We have a 5.5 year old mixed breed who is a larger dog. In the first several years of her life, she has had little in the way of vet bills, apart from her annual visit. And since my last dog went most of her life without many extra vet visits, this makes me feel as though pet insurance isn't really worth it.
At the same time, though, I've had friends whose dogs had lots of vet expenses, and would have appreciated having insurance. And I'm frugal enough that paying more than $1500 for a vet bill would make me start to question what to do. And I don't really want that to happen. My dog is worth far more than that…it's just that our budget would suffer serious damage if we paid more than that.
So, I've been investigating pet insurance. Healthy Paws and Petplan seem to be the best options for us, paying 80-100% of the bills, after the deductible. So I think that some of the people in this thread have based their decisions based on some older pet insurance policies, and thought that others might want to do their own research.
I tried pet insurance once but ended up canceling since I didn't find it to be worth the money. I instead created my own 'insurance' fund and contributed to it when I had some extra cash and for additional piece of mind signed up with a vet discount thing called "Pet Assure" which is only about 8 dollars a month and gives me a discount whenever I go to the vet. This in conjunction with my rainy day fund has proven to be a winning combination!
I, like you, decided pet insurance is way too expensive, so I went with Pet Assure. It's $79 a year and I get 25% off routine vet visits and 10% off my kind of expensive cat food. I'll find out this year if it pays for itself, but this being my first pet I thought I'd play it safe.
I recently went through this dilemma with my new dog Molly. She also came with a brochure about pet insurance. In the end I decided against it for many of the reasons you listed, instead I'm just bulking up my emergency fund.
Pet insurance generally cost more than it paid out in our latest comparison of policies. It gives you peace of mind, but the long-term costs are rarely worth it.


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GIRLS NORDIC SKIING: Warriors hope to move up in section race
With six members of its Section 8 team returning, including state entrants Allison Kosobud and Sarah Fairbanks, the Brainerd Warriors hope to move up from third place this winter.
Kosobud and Fairbanks, who are senior captains, also hope to help Brainerd repeat as Central Lakes Conference champion.
"They're both just hard-workers," Warriors co-head coach Mary Claire Ryan said. "They have great personalities. I couldn't ask for better leadership."
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subset: commoncrawl


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Home > Post > Post 8 > Post8 News Release > 2012 News Releases > News Release
News Release
Master Trooper Joe Veeneman
Public Affairs Officer
Kentucky State Police
Post 8, Morehead
(606) 784-4127
Click here to e-mail Master Trooper Joe Veeneman
One Killed in a Motorcycle Collision on KY 59
Date of News Release: 05/26/2012
(Kinniconick, KY) - On Saturday, May 26, 2012 at 4:38 p.m. Kentucky State Police in Morehead was notified by Lewis County Dispatch in reference to a fatal accident on Kentucky 59 near Scotts Branch Road in Lewis County. Richard A. Jones, 55 of Jeromesville, Ohio, was operating a 2008 Yamaha south bound on Kentucky 59 when he crossed the center line in a sharp curve crossing into the north bound lane and continued to travel off the roadway striking a guardrail where he came to final rest. Mr. Jones was not wearing a helmet and was pronounced deceased at 5:06 p.m. by Lewis County Coroner Tony Gaydos, an autopsy has been schedule for next date. Accident remains under investigation by Trooper Anson Tribby. Trooper Anson Tribby was assisted on the scene by Trooper Chad Bowling, Trooper Eugene Robinson, Lewis County Sheriff's Department, Lewis County Emergency Medical Service and Kinniconick Fire Department.


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Welcome to Shoreham Wordfest 2014. We are firm believers that words have the power to connect us to ideas, to the past, and to one another. Wordfest is a celebration of words: written, spoken, sung. There are events for readers, writers, listeners, ramblers, music-lovers, children, and enthusiasts of all sorts. We hope you'll browse our programme and find your way to celebrate words with us this autumn!
You can buy tickets by clicking on the Buy Tickets above or you will find a Buy Now link after each event, or by visiting the Ropetackle Centre box office on Little High Street, Shoreham by Sea.
To become a Friend of WordFest costs £10 for the whole year to 31 May 2015. You can also apply by completing the membership form attached here and return with your payment to us at Shoreham Farmer's Market
on 12 July, 9 August, 13 September
or call 07522 957691.
You will be asked by PayPal to subscribe yearly for 2 cycles. However, we will not automatically take the second year's payment unless you confirm you want to renew, and your first year's membership will last until the following June, as you will need to renew before next year's programme is launched.


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Glenn Robinson III is just about a household name amongst college basketball fans so it's not necessary for his name to be visible on the back of his "Bleed Out" all maize jersey. The front of these Adidas jerseys are pretty sweet, the back which I will try and find a pic of is disturbing. The names and numbers are still on them but you will likely go blind trying to figure out what they say.
Fortunately for me I've seen enough of Michigan this season that I know who Trey Burke, Tim Hardaway Jr, Robinson III, Mitch McGary and even Spike Albrecht are so I'm good to go, but if they wore these during the NCAA tournament there will be some pissed off people. The Wolverines wore these in an earlier game against Ohio State and are wearing them again right now against Michigan State who rarely deviates from their classic jerseys, though they have as well.
Every Michigan player is wearing calf high bright yellow socks and shoes to match, they look like they were spray painted with the same ingredients that make a sharpie highlighter in the locker room.


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Chapter 1 : Prologue
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Beautiful CI by Magpie @ TDA!!!
So, last night, Sirius Black kissed me for the first time in a year.
Also, I nearly died in the jaws of a terrifying monster.
But back to Sirius.
I sit down at my usual place at the end of Ravenclaw table, opening up my Charms book with one hand and grabbing a dish of scrambled eggs with the other. Corina, my best (actually, only) friend, sits down next to me with a sigh.
Aislin, its our second week back, she reminds me, close the damn book.
I look up from the textbook, but dont close it. I want to get ahead. Theres nothing wrong with that.
Yes, there is, says Corina, snatching the book off the table and shoving it into her bag. Corinas very small and dainty, sort of like a fairy, which is a very convenient fact for the fact that shes completely psychotic. Shes the bossiest, laziest, most annoying person I know. Of course Im only allowed to say this about her because she also happens to be my best friend, and if anyone else ever insulted her Id have to duel them for her honor.
Have it your way, I tell her, stuffing a piece of toast into my mouth.
Corina watches me shrewdly, her sharp blue eyes practically piercing into my soul. Youre acting weird, she finally says.
I always act weird, I reply, buttering some more toast.
No, I mean youre acting weirder than usual, she says.
I shrug, but find myself looking up against my will, my gaze roaming down the Gryffindor table until it lands on him. Dark haired, scowling, beautiful. He looks up for a split second, meeting my eyes, and my heart seems to leap up into my throat. I look down quickly, all the blood in my body rushing to my cheeks.
[Im having trouble sleeping. I get out of bed, walk downstairs and through the Ravenclaw common room, hoping that a walk around the castle will cure my insomnia. But as I pass by one of the large windows, something catches my eye on the lawn below. I move closer to the window, peering into the darkness.]
Corina starts prattling on about NEWTs though were still in our sixth year and I sneak another glance up at Sirius. Hes laughing, now, probably at one of James stupid jokes. The other Marauders laugh along with him, having the time of their bloody lives.
Oh, I seem to have forgotten my manners. Let me introduce you to the Marauders.
First theres James Potter. He seems to think hes Gods gift to women, and most of Hogwarts female population agrees. Most of his life revolves around his hair, which is dark and purposefully untidy, and Quidditch. James has been a Gryffindor Chaser forever, and he was made Captain this year. He sits on Sirius left, running his hand through his hair even as he laughs. Git.
Next is Remus Lupin, a bit of a puzzler. Hes always seemed to be a nice enough sort of person, mild-mannered and polite. Hes a bit of a genius and hes even a Gryffindor Prefect. Im completely baffled by the fact that a vaguely intelligent, kind person can hang about the rest of that gang. Remus is attractive enough, with large, pensive eyes and dirty blond hair.
Finally, theres Peter Pettigrew, whos always reminded me a bit of a rodent. Unlike the others, he doesnt seem to be very good at magic. Or, for that matter, anything. He has light, wavy hair, a short stature, and round cheeks like a chipmunks.
Come on, Aislin, says Corina, standing up abruptly. Well be late for Charms.
Flitwick sets us to work on the Aguamenti charm. Im a good hand at charms, so I get the hang of it fairly quickly, and Im the third in the class to fill up my goldfish bowl after Lily Potter and Remus Lupin. While Corinna turns around to help the group behind us with the spell, I lean back in my chair, falling again into a memory.
[I rush downstairs and through the front doors, pulling on my dressing gown as I go. Surely theres no way I saw what I thought I did but Ive got to make sure. If theres a werewolf roaming around the Hogwarts grounds, its my duty as Prefect to tell Dumbledore. I walk cautiously around the castle, keeping close to the walls. Then, suddenly, an enormous weight slams into my body, knocking me straight onto my back]
My scream catches in my throat as I stare, horrified, into the eyes of the werewolf thats about to kill me.
Aislin, says Corina, poking my cheek. The Gryffindor boys are staring at you.
I blink, coming back down to Earth. What?
Turn around, says Corina in a low voice.
I turn slowly around in my seat, surveying the classroom. Lily Evans is swirling her wand around in her fishbowl, changing the color of her goldfish from yellow to pink to turquoise. Barnabus Cuffe has just managed to douse himself with a jet of water, and is grumpily allowing Frank Longbottom to use a Drying Charm on his robes. When my eyes fall on the Marauders, they all quickly look down at their desks. It seems almost as if
Were they looking at me? I ask sharply, turning back to Corina.
Yes, says Corina, in a tone of strained patience. Thats what I just said.
Sorry, I say with a smirk. Youre so short, its hard to hear you from up here.
Corina narrows her eyes and points her wand at me threateningly. I flinch. She laughs and puts down her wand, giving me an impromptu oral quiz on History of Magic. I answer the questions as best I can which isnt very well, considering Ive slept through almost every History of Magic class since first year but my thoughts loop back around to the Marauders. Why were they staring at me? Did Sirius tell them about last night? I cringe, trying not to imagine what his version of the story would be.
[Suddenly, the werewolf is knocked forcefully off of me by another huge animal. I cant tell what it is, but its large and furry. Im about to be grateful when I realize that it probably wants to eat me, too. Instead of sticking around to find out whether its a friend or foe, I scramble to my feet and sprint back to the front doors of the castle as fast as my feet will carry me. Once Im safely inside, the castle, I burst into a torrent of shocked tears.]
I hear a loud burst of laughter from the back of the classroom, and turn around. The Marauders are staring at me openly, now. Remus looks pensive, but the other three are guffawing loudly. Sirius eyes are full of malice.
Ignore them, says Corina, squeezing my hand under the table.
I turn back around, feeling uneasy. I dont understand how Corina is so above all this school drama. Ive always been jealous of her in that respect shes strong, and she knows how to take care of herself. In terms of relationships, she can move on from a bloke in the blink of an eye. Shes always said that her personal motto on romance is I dont have time for heartbreak. Personally, Im half-convinced she sold her heart to the devil. But thats another story.
Two summers ago, after she broke up with Andrew Davies (a seventh-year Ravenclaw), she went shopping, took up Wizards Chess, and snogged two older blokes.
After Sirius and I broke up last Christmas, I sobbed for nine consecutive hours, at three boxes of chocolate, and refused to take off my pajamas for a full week.
To each her own.
[Im halfway back to Ravenclaw tower, hurrying up a staircase, when someone calls my name from below. I turn around, cringing, expecting to see an angry professor. But its even worse than I fear standing at the bottom of the steps, leaning against the banister, is Sirius.
W-what do you want? I mutter, turning my face away from him so he wont see that Ive been crying. But though we broke up months ago, he still knows me far too well.
You look upset, he says, climbing up the stairs. Whats up?
As if you care about my feelings, Black, I say, using his surname on purpose because I know its the equivalent of slapping his face. Sure enough, he stops in his tracks with ten steps between us. Anyway, I should give you a detention for being out after curfew.
Youre out as well, Sirius points out.
Yes, but Im a Prefect, I snap.
Right, grumbles Sirius, sorry, your Majesty.
No apologies necessary, I say coolly, starting back up the stairs. But to my dismay, he follows, catching up with me in a few strides. He walks along next to me, hands in his pockets, and I find myself overwhelmed by the smell of him. Merlin, its lovely. He smells warm and safe.
When are you going to stop doing this, Ash? he asks quietly.
What do you mean? I say, without looking at him.
Pretending you dont care.
I reach the top of the staircase and stop, making my eyes as cold as possible as I look up at him. He looks back down at me, his eyes lit from within with a kind of furious energy. Once upon a time, I thought he was my prince. Hes beautiful, and Ill never be able to deny it. But ever since we broke up Ive been finding out what a cruel, pathetic bastard he is. Laughing at me, humiliating me, playing stupid pranks on me. Now Ive seen that side of him, I can never see him as my prince again.
Im not pretending. I say, my voice quivering just slightly on the last syllable.
Sirius stares at me for several seconds, his expression unreadable. I stare back defiantly, daring him to insult me, yell at me, even hex me. Instead, he does the unthinkable. He takes his hands out of his pockets, grabs me by my elbows, pulls me toward him, and kisses me.]
When the bell rings for lunch, I ditch Corina on the way to the Great Hall, and go to the library instead on a sudden impulse. I look through the rows of used textbooks, searching for last years Defense against the Dark Arts book.
I spot it, and grab it. Its a very old copy it feels like it might disintegrate in my hands. I hold it carefully, flipping through the pages until
I jump, and the book slips out of my hands. It falls to the floor with a bang that echoes around the near-empty library. I quickly kneel down and pick up the book, turning it back to the page Ive just seen. My heart beats very quickly as I look down at the neatly labeled diagram of a werewolf. The evil looking yellow eyes, the arched back, the long fangs That was definitely the creature I saw last night, the creature that almost killed me.
Aislin, says a voice nearby.
I jump and whorl around again. Remus Lupin is standing beside me, looking over my shoulder at the book in my hands.
I see youre interested in werewolves, he says lightly.
I blink at him, open-mouthed. Er Yes.
They terrify me, personally, says Remus, taking the book out of my hand and placing it neatly back onto the shelf. Sorry about Charms earlier that must have been uncomfortable for you.
I shrug, wondering why hes suddenly being so nice to me. Not that hes ever been outwardly cruel to me hes a Prefect, too, after all but I always assumed that he shared the other Marauders obvious dislike for me.
Sirius can be a little immature at times, says Remus good-naturedly.
Tell me about it, I mutter.
Remus chuckles. He has a nice laugh, a full and honest smile. But still hes one of them. He can apologize for Sirius behavior all he likes, but he didnt do anything to stop it when it was actually going on. Well, what can I do to make it up to you? Have you eaten?
I shake my head suspiciously. Is he going to try to poison me?
Have you ever seen the Hogwarts kitchens? asks Remus, walking toward the library door, clearly expecting me to follow him. I do follow him, more out of surprise than anything.
No, I say faintly. You have?
Loads of times, says Remus. Its a great place to go if youre ever hungry between classes. There are loads of house-elves in there, and theyre always thrilled to take care of you. Sirius always stuffs his pockets with pies.
Yes, well, I hope Sirius gains hundreds of pounds and has to be moved from place to place by one of those Muggle construction things with the claws.
I follow Remus through the castle, feeling self-conscious to be walking alongside him. Luckily, everyones in the Great Hall eating lunch. If anyone were to see us together, theyd be baffled. Aislin OKeefe, scourge of the earth, hated by all the Marauders, going for a pleasant stroll with Remus Lupin? Unthinkable. I cant help not hating Remus, though. He seems more down-to-earth than James or Sirius, though he does walk a bit like they do: slowly, with a slight strut. I guess the arrogant prick shuffle is just something you pick up after hanging out with James and Sirius for a while.
So, Ive noticed youre not taking Arithmancy this year, says Remus after a while. Didnt like it?
I was terrible at it, I admit with a laugh. I only took it because Corina said it would be good, so its no big loss.
Im sure you werent terrible, says Remus.
Actually, I was, I assure him. Professor Galloway told me so.
Oh, says Remus.
Awkward silence.
Well, do you know what youd like to do when you get out of school? he asks.
Merlins pajamas. I know hes just trying to be pleasant and make conversation, but this is the last thing I want to think about. What do I want to do when I get out of school? I want to wear expensive robes and eat a diet that consists exclusively of roasted pheasant, candied yams, and chocolate pie.
Er, maybe something with Muggle relations, I say weakly. Thats what Flitwick suggested during career advice last year.
Oh, that sounds interesting, says Remus, sounding (to my astonishment) genuinely interested. Id really like to work for the Ministry, as well.
We talk about different jobs and Departments for a few minutes. Finally, we turn a corner and come to a dead stop: In the middle of the corridor, Sirius Black and a fifth-year Hufflepuff are passionately snogging. Her hands are in his hair his hands are wrapped around her waist like a belt.
Ill see you around, Remus, I mutter, and dart off in the direction we came just as Sirius starts to look up.
Oi OKeefe! I hear him yell.
Congratulations, Black, I say over my shoulder. Youve finally found a girl stupid enough to snog you.
I feel bad for Remus, whom Ive left standing awkwardly in front of Sirius and the Hufflepuff, an instant third-wheel. But theres no sense in going back now, and I can always apologize later. Anyway, I had to get away from that horrific display. I hurry to my next class, Herbology, arriving right before the bell.
I have to catch my breath as the others pour into the greenhouse. What I really dont understand whats really bothering me is that I dont feel annoyed, or angry, or disgusted.
I feel jealous and sad.
[It takes a moment for my brain to catch up with what just happened. By the time Ive pieced it all together, Sirius has one hand on my waist, the other at the back of my neck. Meriln, whats going on? Why am I kissing him? My hands curl into fists at my sides as I fight the urge to run them over his silky hair, his perfect face, his sculpted shoulders and chest.
I push him away abruptly, stumbling backwards, feeling about ready to burst into tears again. As I stare at him in shock and confusion, his face breaks into a casual, sarcastic grin.
Sorry, OKeefe, he says, with a shrug. I guess old habits die hard.]
I wonder what Remus wanted from you, says Corina pensively, after I tell her what happened. Do you think he finds you attractive, but was too embarrassed to make a move in front of his friends, seeing as youre Sirius ex?
No, I say firmly. It didnt seem like he was trying to flirt at all. He was just being nice.
Corina shrugs. Ive always thought he was cute. Kind of rugged, but then hes got those sweet eyes, so it all balances out.
Maybe you should ask him to show you the kitchens, I suggest sarcastically.
Corina rolls her eyes, turning her attention back to the plant were supposed to be pruning. All Im saying is its been a while since youve had any romance in your life. Remus is a good candidate.
I thought I was supposed to be a strong, independent woman who doesnt need menfolk in her life? I ask skeptically.
Even strong, independent women are allowed to have some fun, says Corina, sweeping her short brown hair behind her ear. Anyway, it doesnt have to be Remus. All Im saying is that it would be good for you to get out a little more even if its not with somebody you really like. I know you had a really good thing with Black for a few months before he went berserk, but its time to move on.
I have moved on, I grumble. I just dont feel like seeing anyone else at the moment.
Corina sighs, snapping the dragon hide gloves off of her tiny doll hands as the bell rings. Fine, Aislin. Anyway, what were you doing in the library?
Oh. I blink. I was just, er browsing.
Corina looks at me quizzically, then shrugs, deciding (wisely) to give up. Though its warm out, I shiver as we walk across the lawn back toward the castle, remembering that just last night, a werewolf was roaming these grounds. Should I tell someone about what happened? Would anyone believe me, even if I did?
Excuse me?
I turn around.
James Potter is strolling along behind Corina and I, grinning casually.
Yes? I say disbelievingly.
OKeefe, I was hoping to talk to you about some, er, sensitive matters, he says. His smile is frighteningly handsome, even with those creepy little round glasses that scream stamp-collector. I fall back a bit with a nod to Corina, indicating that she should go on without me.
Excellent, says James. Ive been wanting to talk to you for a while now, OKeefe.
I look ahead and see that the rest of the Marauders are already walking through the front doors of the castle. So James must have purposefully fallen back with some excuse so that he could talk to me.
But what on earth could James Potter have to say to me?
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Great house in a great location!!
This house has it all! Super set up for a group with 2 Master suites on the first floor and large loft upstairs with another full bathroom! Wonderful great room with large inviting stone fireplace...and everything you need in the kitchen. Large Hot tub is so relaxing with outside lighting, drink holders and speakers and connections to play your iphone or ipod. Whether you are coming to view the leaves in the fall, enjoy the spring air, or ski, this place is the best...for a reasonable cost!! Thanks to Pete and Jean for sharing their home with us :)
My family found this place charming, clean and well-kept. The kitchen is well-equipped, the decorations appropriate for the mountain setting, and the view very beautiful. The property is centrally located -- to the north are the towns of Davis and Thomas, as well as Blackwater Falls State Park, and to the south are Canaan Valley State Park and Dolly Sods, as well as Timberline, for those skiiing in the winter. The place is small enough for one family to feel cozy, yet large enough for two families to comfortably fit. I definitely recommend this property.


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Stravinsky Violin Concerto at New York City Ballet
02/11/12 David H. Koch Theater, 20 Lincoln Center Plaza (Columbus Ave. at 63rd St.) Map
212-721-6500 nycballet.com Ages: All Ages
212-721-6500 nycballet.com Ages: All Ages
This event has already taken place. Click here for the latest events.
In 1941, Balanchine choreographed Balustrade for the Ballet Russe to Stravinsky's Violin Concerto in D. When he returned to the score three decades later, he could no longer remember his original choreography. But Balanchine was not at all disturbed by the loss. "What I did then was for then," he said, "and what I wanted to do to this music for our Stravinsky Festival... represented more than 30 years' difference." The new choreography follows the score directly: An opening "Toccata" and a final "Capriccio" enclose two central "Arias," which form contrasting pas de deux for two different couples.
Venue Description:
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Biography: We adopted Maisy from an animal shelter in Michigan this month (Apr '10). She is 4 months old. She is an energetic puppy and needs lots of training and time. She already tires us out but we know it'll be worth it!
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Coghlan's 9760 Double Mosquito Net - White$14.99Rectangular shape is sized to fit over two sleeping bags or cots. Suspends with poles or ropes (not included). Made from washable, 156 mesh polyester with six reinforced tie tabs. Measures 63" x 78" x 59". Learn More
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SPECIAL OFFER: - Limited Time Only!
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Margaret's Talented!
This incredible painting was done here in Malaysia by one of my long time friend and student from Hong Kong. Her name is Margaret and she is so talented. She has painted many Buddha canvases that I am awed by the work. She puts her whole heart into it.
This stunning painting is around 4feet high and 3 feet in width (approximate). Vajra Yogini in the centre. Above Her are the lineage Lamas. Top left Yamantaka, Guyasamaja, Heruka.
Top right, Shakyamuni, Krukachanda and Maitreya.
Below left is Amitayus, Namgyalma and White Tara.
Below Centre is 4 faced Mahakala and Kinkara.
Below right is Avalokitesvara, Manjushri and Vajrapani.
And around Vajra Yogini is the Four Main dakinis of Her entourage.
I have reproduced this by printing and given to many friends. They all were stunned at the beauty and fine details.
Margaret was very kind to paint this for me and generously offered as a gift. Again, Wow! This is hanging in the room where I meet people.
Thank you Margaret very much. By the merit of painting this, may you be always embraced by Mother Vajra Yogini who is infallible.
Tsem Rinpoche


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Gets better and better throughout.
Lapalux is today's Apollo/Saraswati according to Antenna.
Lianne La Havas - Lost and Fond (Lapalux Remix)
Orchid Neural Groove and Antenna have been working on this for a while now. We've compiled a playlist of the best songs from the days when we read Mizz, played Crash Bandicoot and ate bubblegum ice cream. If you still do those things now, or just want to reminisce - here's your soundtrack. We think its pretty ace.
Please please please send in suggestions for additional songs.


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So, the first half of 2012 wasn't good. (See We Miss you Bimblebee...)
The summer, and then fall, was spent in this weird fog (let's be honest, the fog hasn't really lifted yet, and don't know if it ever completely will). We were trying to adjust our lives, figure out where to go from there. I still think we're tumbling and stumbling...it's so weird and surreal, but a learning process all the same, right? for all of us.
Monkey started preschool in September. OMG! My baby is such a big boy! *Knock on Wood* he loves school, and we lucked out with his classmates. They are all so sweet, and their parents are just the same. phew...
Fall was BUSY, as this time of year tends to get. This year was really tough, the fog growing around the holidays. The Holidays was her favorite time of year. We pushed through September, then through October...then Sandy hit. We weren't sure what to make of this storm initially. The year before, Irene hardly made a dent on us. We prepared nonetheless...and thank God we did. Devastation all over the tri-state area. Friends homeless for various reasons, offices and schools shut, some indefinitely. 2012 was really campaigning for worst year ever. Our home was okay, electricity maintained, but Hubs' office was not so lucky. It took some time to get everything cleaned up and reorganized. But it got done.
A couple weddings also fell in the midst of the second half of the year, beginning in August, (Welcome to the SAE Wives' Club, MS!), and then quite a few travels tacked on. Florida, Vegas, LA, Maryland, London, and finally, Malaysia.
London came at a much needed time for us (Thanksgiving) and was really nice for Monkey to see all his cousins and Aunties and Uncles on Hubs' side of the fam. It was also great for Hubs to spend time with his cousins. He really needed it after the last year. His family there is always so hospitable, and weenjoyed laughing and spending quality time. We ate yummy Wagamamas (mmmm, Chili Chicken Mein & Raw Juice), Royal China (shredded Peking duck, dim sum, lots of wine), and Traditional English Fry-Ups every morning (Hubs & Monkey were so cute at the breakfast buffet each morning). Missed Ping Pong, but tried a new Vietnamese place with my cousin and her husband (Salted caramel ice cream?! Yes, please!) You know I can't talk about traveling without talking about food--whose blog do you think you're reading?!
Back to NY, and the December rush began. Monkey's 3rd birthday (WHA?!), the different early family Christmases, and then our trip to Malaysia.
Monkey's 3rd birthday theme was Octonauts, of course...because Monkey is OBSSESSED. It was another gym-based party...and Monkey had an amazing time with his friends and family.
Octonauts Cake Pops from my go-to, Lerida @ NY Cake Pops
Going to Malaysia was going to be our first trip in a long time that included nothing but relaxing, laughing, eating, and sleeping. It was DEFINITELY much needed, and the most calm way to end this bizarre year. Hubs, Monkey, Li'l Sis and I got on our Korean Air A380 flight headed to KL, excited to spend time with my Malaysian family, and my grandfather. The trip did not disappoint, the first night being my cousin, Gui's Pub Golf birthday. It was an ooltie of a time, apparently (I stayed in with Monkey). We laughed so much, my face and stomach hurt. Many nicknames came abound for the entire crew, and we ate so much, I really looked into purchasing some "comfier" pants. Rot canai, fried rice, steamed buns, & exotic fruits for breakfast, Fierce Biryani (yummmmmmmy, cod fish biryani) -- the owner is this hilarious, dimple cheeked, fierce bear of a guy and we love him to bits, Nutella & Kaya rotis, Salted Gula Melaka ice cream (please, Taklu, step away from the freezer), Coffee Bean lattes (some Stateside comfort), and McD's fried apple pies (how could I resist?)
Chili Crab...yes, bibs were worn
In between, Mom & Dad came down to visit from India, and we drove down to this awesome resort island, Pangkor Laut. For 3 days, we would wake up, eat breakfast, hang out by the pool, eat lunch, nap or get a massage, eat dinner, go to sleep. It was AMAZING! While there, Hubs & I celebrated our 7 year anniversary. We were going to do a romantic dinner just the 2 of us, but Monkey had decided he was not going to leave our sides the entire trip, so my parents & Li'l Sis decided to surprise us by bringing the romantic restaurant dinner to us. Champagne & yummy grilled cod and seafood salads were had as Monkey watched the fish swim beneath us (while also noshing on his own ice cream creation).
A view from our seats on Emerald Cove Beach
New Year's Eve was spent at a "House" Party in our hotel rooms, all our cousins in tow. Monkey jumping around like a, well, like a Monkey as we ate, laughed, and watched the Fireworks display outsideof our window. Two days later we were back on the Korean Air A380...on our way back to NYC and to begin the New Year.


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Grimsby have signed Manchester City youngster Shaleum Logan on a one-month loan deal.
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Logan should go straight into the Mariners' squad to face Rochdale at Blundell Park on Friday evening.


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Applications are now being accepted for the 14th Annual Business Excellence Awards Program. Deadline to apply is October 1st. And save the date for the Awards Dinner - November 12th at the Providence Marriott.
By PBN Staff
Twitter: @ProvBusNews
PROVIDENCE – Susan Morgan, the chief financial officer of the R.I. Economic Development Corporation, will be leaving the quasi-government organization, EDC spokeswoman Judy Chong told Providence Business News on Monday afternoon.
Morgan, who has worked with the EDC since 2007, is leaving to pursue a "new opportunity outside the government sector," according to Chong, who added that Morgan's last day will be Friday.
When asked whether Morgan intended to stay in Rhode Island, Chong replied "When she begins her new role, she will more broadly let her colleagues know where she has landed."


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Any minute this afternoon, Senate Republicans will formally join House Republicans in swearing off earmarks in the federal budget.
Senate Minority Leader Mitch McConnell surrendered on Monday – recognizing that a fight with tea party enthusiasts over a statistically tiny amount of money would block debate over larger spending issues.
Today, U.S. Sen. Saxby Chambliss issued this statement on the topic:
"The American people are rightly concerned about reducing federal spending. Now that there appears to be an agreement to oppose earmarks, I hope Congress will begin a serious discussion of how to cut federal spending on larger, more meaningful scale.
"I have consistently voted for the elimination of earmarks in the past and will support the earmark-moratorium resolution today.
But Georgia's senior senator left himself a glass case to crack open in case of an emergency:
"However, there are times when crises arise or issues come forth of such importance to Georgia, such as critical support to the port of Savannah, and the nation that I reserve the right to ask Congress and the president to approve funding."
For instant updates, follow me on Twitter, or connect with me on Facebook.
November 16th, 2010
4:13 pm
HAHAHAHA! TOOOOOOOOOOO funny!
November 16th, 2010
4:18 pm
Chambliss: "Earmarks are bad and I will not tolerate them… unless they are for my district, in which case I will ask for them." no change, status quo
November 16th, 2010
4:19 pm
Is it too early to throw my hat in the ring for the 2014 senate race?
November 16th, 2010
4:19 pm
What? He was trying to be funny right?
November 16th, 2010
4:20 pm
We'll call it the ABC strategy – anybody but Saxbe
November 16th, 2010
4:21 pm
"However, there are times when crises arise or issues come forth of such importance to Georgia,………."
And who decides on which ones are important Saxby?
Here we go again with the political double-speak.
November 16th, 2010
4:23 pm
"However"? Sounds like "But" to me!! The more we want Congress to change the more Congress remains the same.
November 16th, 2010
4:26 pm
"Saxby is a conservative" my sorry white hindquarters! Humman Talmadge would be SO proud of him!
November 16th, 2010
4:26 pm
It is really time for TERM LIMITS. You either serve in the House or Senate … but you cannot go from one to the other …… After 2 or 3 terms, go find a real job and don't you, your spouse or other family member plan on being a lobbyist for about 10 years after you are booted ……. Might not be a bad idea to MAKE any elected official put there finances in a BLIND TRUST ………. and make then abide by the same laws as everyone else and while you are at it … they have the SAME healthcare and retirement benefits as the general public. …… That should do as starters …..
November 16th, 2010
4:34 pm
If you believe he want take any earmarks then I have some prime property in Hilton Head for $1.00 an acre. Any takers?
November 16th, 2010
4:35 pm
Saxby you are a….you know what. Earmarks are NOT how money is distributed from Congress, you took an oath.
Don't leave yourself an out on this like liberals do. You are either for them or against them. If you want to play in the gray area you are next on your way out.
November 16th, 2010
4:36 pm
This sort of statement from a congress critter is no different then that from the American people in general. Congress stinks….except for my congressman. A point the voters make every election cycle.
Get rid of the career political elites and let some new folks try to screw it up for a while. They can't do any worse. Well okay except for Obama, but in reality he couldn't have done anything without Nancy Pelosi and Harry Reid strong arming all these pieces of legislation through while trying to blame Republicans. The Dems had the numbers and could pass anything they wanted to whether any Republicans voted with them or not, but they sure fooled people into thinking the Republicans were to blame.
November 16th, 2010
4:36 pm
Does that keep him from spending $225,000.00 for golf trips in one year? If it does he cant oppose them!!!!
November 16th, 2010
4:37 pm
Any reduction in earmarks is a great start.
Calling earmarks a "statistically tiny amount of money" is funny.
People complain that we can't touch the big areas of the budget because those would affect too many people.
Then they complain that we can't touch the small areas of the budget because it is too statistically insignificant.
In the meantime, let's spend money in a drunken debauchery, play our fiddles and watch Rome burn.
November 16th, 2010
4:38 pm
Just lost my vote – he does not get it
November 16th, 2010
4:39 pm
Saxby: "…such as critical support to the port of Savannah…"
Especially if that support would help Sonny's business.
November 16th, 2010
4:42 pm
You're two and eight years too late, respectively.
November 16th, 2010
4:50 pm
So, a bank robber shows up in court. His defense to the court is that the money he stole was a "statistically tiny amount of money"
The politican over at the Gold Dome chuckles to his constituent. Yeah, I pocketed taxpayer funds, but it was a "statistically tiny amount of money."
The CEO addresses the stockholders about the corporate jet, but says it was just a "statistically tiny amount of money."
November 16th, 2010
4:50 pm
Way off the subject here Jim, but, it would be nice if the AJC would acknowledge the fact that a CMH was awarded to living soldier today. First time in 34 years.
November 16th, 2010
4:51 pm
My opinion is keep earmarks but change the rules. No more tacking them on to unrelated legislation. Let them be introduced on their own and identify sponsors and benefits and then a vote on that issue. No more "I voted for the main bill because it was important and the earmark was included".
November 16th, 2010
4:55 pm
Ole Sax will support anything as long as it doesn't require him to make a decision. Why didn't he step up against earmarks 15 years ago? What a POS and a waste of taxpayer's money. Georgia can do a lot better!
November 16th, 2010
5:03 pm
This is a hallow pledge. If congress really want to reduce frivolous spending, get rid of the Lobbyist. They are the ultimate reason why DoD pays $900 for a toilet and $50 for a pack of AA batteries!
Saxby – bring home the BACON to GA!!! We need the jobs and tax revenue!!! LMAO
November 16th, 2010
5:19 pm
stupid is as stupid does
November 16th, 2010
5:22 pm
Has anyone ever known Saxby to do anything but double talk and talk out of both sides of his mouth? He's even got Isakson doing the same thing – everything Johnny says is – Saxby and I – gee Johnny are you Sonny's puppet or a man of your own convictions and beliefs?
November 16th, 2010
5:38 pm
Ragnar, you've got my vote.
November 16th, 2010
5:42 pm
Since Karl Rove left, Saxby has been the little lost puppy. He has no one telling him what to say or how to vote. It's tough trying to actually do the job people elected him for. Tougher than he thought. People were telling GA in 2002 not to vote this empty suit in. He's never met a pork project he didn't like. This guy is nothing more than a Southern Dem. And we're just letting more of them fill the party. It's a big tent but you don't let those who just walk in the door run the show. This guy needs to be tossed.
November 16th, 2010
5:46 pm
Saxby,the people are watching you!!!!! You better not play the game as in the past.It might be your last term.
November 16th, 2010
5:54 pm
Business Man: Try http://www.ajc.com/news/nation-world/obama-awards-medal-of-743007.html.
November 16th, 2010
6:01 pm
Blood & Guts Saxby is a complete disgrace. As a human being and a US Senator.
Even by the abysmal "standards" set by today's Georgia Republicans.
He has proven for years on end that he "lacks to the courage to lead".
November 16th, 2010
6:05 pm
I called Mr. Chambliss on his Leadership PAC back in September 2009. Here is his response: "Dear Mr. Thomas:
Thank you for contacting me regarding the Republican Majority Fund (RMF). It is good to hear from you, and I appreciate you letting me know how you feel.
The purpose of the Republican Majority Fund is to support Republican candidates during Congressional campaigns, particularly races which are competitive and the candidates need additional resources. The RMF has traditionally raised money through events such as golf outings, which, by their nature, are more expensive to host than other types of fundraising events.
All Republican Majority Fund expenses and contributions have always been fully and transparently disclosed. Every RMF fundraising event has been appropriately conducted, all expenses have been closely examined and all reporting has been accurate and transparent. This is a perfectly legal entity, and many senators have similar fundraising organizations.
If you would like to receive timely email alerts regarding the latest congressional actions and my weekly e-newsletter, please sign up via my web site at: http://www.chambliss.senate.gov. Please let me know whenever I may be of assistance".
Like most ass hats elected to represent us it remains clear that you love to bloviate about matters none of the rest of us care about. I didn't and won't support you in any legislation that you claim to support. Hopefully, this will be your last term. You just don't get it!!
November 16th, 2010
6:10 pm
recognizing that a fight with tea party enthusiasts over a statistically tiny amount of money would block debate over larger spending issues.
Just how TINY are the tax payer funded earmarks?
November 16th, 2010
6:13 pm
More Breaking News On The Earmark Moratorium By 1/2 Tea Bag Republican Senator Chambliss,…..
But Georgia's senior senator left himself a glass case to crack open in case of an emergency and said " I would break the Glass Fire prevention Case only if the State Treasury of Georgia was in a overdraft postion if The Governor order a Pizza for the entire State to calm the food riots that are coming"
November 16th, 2010
6:14 pm
I don't care if you're Rep or Demo, if you want to see how your Senator Saxby has represented GA, just look at his web-site and note the legislation he initiated. I'll save you the trouble…he didn't initiate any legislation. And we think Paul Hewitt and Mark Richt has been stealing. Ga can do a lot better.
November 16th, 2010
6:23 pm
Innumerate Americans….let's say 100 billion a year is budgeted for earmarks (and that's at least double any real numbers I've seen). Out of a budget of 4.5 trillion, that's and nth of a percent. Let's say what needs to be said, tax increases AND cuts to defense, social programs, and social security will be necessary to make any headway on the country's debt and deficit problems. We'll be heading in the right direction with people on both sides of the political spectrum are unhappy with the taxes/cuts.
November 16th, 2010
6:29 pm
Is there nuance I hear Saxby? Primary his ass…get a real tea party conservative in there.
November 16th, 2010
6:29 pm
Mr. Galloway,
How much does the average American pay in federal taxes?
And, based on that average, how many Americans does it take each year to pay for all of the earmarks?
November 16th, 2010
6:31 pm
"I want NO EARMARKS (unless it is something that will benefit me or my family or my friends or my contributors or someone I want to be my family, friends, or contributors."
November 16th, 2010
6:33 pm
November 16th, 2010
6:14 pm
I don't care if you're Rep or Demo, if you want to see how your Senator Saxby has represented GA, just look at his web-site and note the legislation he initiated
Sometimes I think that no legislation is the best legislation. I would favor a law that would force them to tale TWO laws off the books for every ONE new law that is enacted.
November 16th, 2010
6:56 pm
According to Saxby it depends on what the meaning of earmarks is. If the port of Savannah needs additional funding then the ships using it, need to fund it. .
November 16th, 2010
7:00 pm
I didn't think Repubs were allowed to make amendments to pledges.
November 16th, 2010
7:01 pm
All or nothing. No independent thinking allowed.
November 16th, 2010
7:16 pm
Saxby is a semi-RINO, he wholeheartedly supported the farm bill, which overwhelmingly supports big industry farms and, just like medicaid, fraud. However, on my list of items to cut, it would be one of the last, but before welfare programs, as it is still corporate welfare.
November 16th, 2010
7:16 pm
Folks, our founding fathers gave us term limits. It's 2 yrs for congress, 6 yrs for the senate and 4 yrs for the president. Our problem is not term limits. Our problem is an apathetic and uninformed electorate.
November 16th, 2010
7:19 pm
SBinf – if I understand your numbers, that is 2% of the total budget. You do that every year, in 20 years you will reduced spending by over 40%. A good start. Billion is still a very large number. That is why Obutthead is a genuine clown – spend almost a trillion dollars, and his admin is proud that the GNP when up by 2.5% – pretty much a direct correlation to his expanditure, which means there was very little capital processing going on – which generally means little construction.
November 16th, 2010
7:21 pm
Common – that is a fact. GA voters decide to give business inventory a tax break in a very revenue weak economy. Dumb. They also decided NOT to allow GDoT to progressively fund a trans construction project, reallly, really stupid. But, we would vote for environmentally friendly multi-year agreements for government buildings. That was a whopper.
November 16th, 2010
7:22 pm
such a tool… politicians are such liars.. they will all find a nice warm place when their days on earth are over.
November 16th, 2010
7:31 pm
But yet he keeps getting re-elected over and over and over. As a Democrat I would never vote for him, it just puzzles me as to why a better Republican doesn't run against him in the primary. Whomever the Republicans nominate will win in the general election so why do you Republicans keep nominating this fool? You can't blame this one on the Democrats. At least we had the sense to get rid of Cynthia McKinney.
And as a friend of mine once noted "If it is in someone else's state or district it is pork, if it is in your state or district it is an absolutely critical expenditure."
November 16th, 2010
7:33 pm
Term limits is NOT the answer.
Term limits give a whole lot of power to legislative aides – who are NOT voted for. So they NEVER have to answer to the voters.
The actual problem is the gerrymandered district. BOTH parties do this – they create a safe district – one for you one for me. And there you go.
Then the problem is the other side NEVER puts up a candidate because they are 'sure' they will lose. SO FRUSTRATING. ANNOYING.
And the big problem in GA is that the two parties have conspired to make it impossible to get on the ballot unless you are a D or an R. And as more and more people are leaving those parties, those who are left…well, they are the candidates we are getting *sigh*. What we need to do is lobby our state legislature to change the ballot access laws (which is happening – but not quickly enough).
November 16th, 2010
7:38 pm
Term limits for everyone. 3 terms for a Congressman and 2 for a Senator or something like that. Until political office can no longer be a career, nothing will ever really change for our country.
And Paddy O, explain to me why you think the farm bill supports big industry farms please. I know lots of small, family farmers in the Dakotas who seem to be doing quite well these days. And the farm bill also contains some very important and effective land conservation programs in it as well. it seems to me that it has a lot more facets to it than just supporting big corporate farming.
November 16th, 2010
7:41 pm
Saxby is another Politician that has been into Politics to long. It is time to put him out to pasture and hopefully get some true Patriot to replace him. Maybe we can find someone who knows how to manage money and live within a budget. Earmark and "riders" that are written into laws are done so because they would never be able to get passed on their own merit. This is a big part of what's wrong with government today and there has to be a stopping place somewhere…


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MADISON, Wis. (WSAU) -- A Friendship man was sentenced to federal prison for bank robbery.
58-year-old Randy Glenn Paulson will spend the next nine years behind bars for using a firearm and demanding cash from tellers at the Grand Marsh State Bank last July 3rd.
The bank teller did not give Paulson any cash, but did give her car keys to him when a bank customer did not respond to him. The car was recovered a short distance from the bank, but Paulson wasn't arrested until July 11th in Villa Park, Illinois.
Paulson entered a guilty plea last October to the crime.


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Apple offers free repairs for iPhones, other products damaged in Japan quake -- Engadget
Apple customers with Macs, displays, and iOS devices that were directly damaged in the Japan earthquake and tsunami may be eligible for free repairs. The offer, posted on the company's Japanese website, excludes iPod classic, nano, and shuffle, and only applies to customers living in areas covered by the Ministry of Health's Disaster Relief Act. Originally posted in March, Apple's announcement joins Softbank's offer to replace lost iPhones registered to its network, and free calls to Japan from U.S. carriers, among others. Considering water and other accidental damage typically voids a device's warranty, you'll want to give AppleCare a call soon — the acceptance period only runs through June 30th.


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The Informative and Formative Classroom: Session IV, Benefits of Evidence-Based Teaching
Date: Thursday, November 12, 2009
Time: 03:30 PM - 05:00 PM
Time: 03:30 PM - 05:00 PM
Location: BH 333
Sponsor: Center For Teaching and Faculty Development
Contact: Kelli Stanley
E-mail: email@example.com
Phone: 415-338-6456
What is evidence-based teaching? How can it help you better understand student achievement, design or redesign courses and assignments? How can it help you advance your professional achievement and growth? Join us to explore the basics and discuss the possibilities!
Save to: Windows Live Calendar - Google Calendar - Exchange/iCal


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Manage Add-ons in IE 10 for Windows 8
Written by Alan Saturday, 29 September 2012 06:00
Windows 8 comes with a brand new version of the Microsoft web browser, Internet Explorer. With IE 10 there are new features, including the controversial Do Not Track privacy feature. While the feature isn't controversial among users, it's actually a huge plus, it has caused many advertisers and other services to howl. The browser also contains other controls that let users decide what features they want to enable and disable.
When you launch Internet Explorer 10 and click the "Tools" button (the gear icon at the top right) you will find an option for "Manage add-ons". This actually does a bit more than just managing the browser add-ons.
When you open the "Manage add-ons" box you will find several option. The first is to handle "Toolbars and extensions". This allows you to handle all of the extras that are installed into the browser. Click any of the extras in the list and then choose the "Enable" or "Disable" button at the bottom of the screen.
Menu item two is "Search Providers", which will let you set what search engine the browser uses. By default this is Bing and it's likely the only option here unless the user adds another.
Menu item number three is "Accelerators" which adds extensions to provide simple tasks like email, mapping and more.
Finally, there is "Tracking Protection", which will be on by default in the RTM version of Windows 8, but is not not on here is the Release Preview.
All of these options contain a link at the bottom to find more online. This is a rather hidden way to search for extensions for the browser.
Internet Explorer 10 isn't tremendously different from the previous version, but it's certainly more compliant and more secure than any previous version of the browser. As of now, the browser will not be supported in any other version of Windows.
Related posts:
1 Comment
| Monday, 30 September 2013 at 7:50 am
My add-ons are not listed in MANAGE ADD-ONS. Do you know why and how to correct?


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The world's last typewriter factory in India closed its doors in April 2011.
It was a piece of technology that really lasted the distance.
For more than 100 years the typewriter, the bane of secretaries everywhere, was an essential piece of equipment but met its match in the early late 70s when IBM produced it's first cheap and mass produced computers.
The transformation of the office came at lighting speed with workers training and re-training on the latest computer technology every few months.
When IBM came up with the home computer in 1981, the typewriter was a goner.
Collector Richard Polt, a philosophy professor at Xavier ...


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photos by Lucas Stevens
"throwback of Dailybread" … Pittsburgh, PA 2009
"slaying baby legs" … Billy a.k.a. Daily Bread, came for a visit this fall. NYC
"will the don kalson" … my homie Will chilling down at ID Labs, Pittsburgh
"shmatty twisting up in the sky" … Daily Bread shoot somewhere in Bushwick, BK
"young East Side champion" … old photo of Mac Miller in the East End, PIttsburgh
"Mac and the crew at the Knock Knock shoot" … Pittsburgh, PA
"Mac Miller on some Beastie Boys shit" … Santos Party House, NYC
"Mac Miller killing it in NYC" … Santos in NYC (winter of 2010)
"tolly bands down in the beast end" … Pittsburgh, PA
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Centre for the History of Medicine
Northern Centre for the History of
Medicine is a partnership between
the medical historians at
Durham University and Newcastle
University. It was founded in 2003
and is supported by
the Wellcome Trust.
The Centre provides undergraduate
teaching and postgraduate training
programmes (at Masters and PhD
level) comprehensively covering
medical history from antiquity until
the 20th century and thus nurturing
a new generation of History of
Medicine scholars.
Members of the Northern Centre
strengthen the History of Medicine
component in the medical curriculum
and enhance historical awareness
among members of the medical
The Northern Centre supports
effective outreach and public
engagement across the region.


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Today is Monday, Dec. 31, and here are the five things you need to know:
1. Plan for the Polar Bear Plunge: The 7th annual Swampscott Yacht Club Polar Bear Plunge is Tuesday at Fisherman's Beach in Swampscott. Sign in begins at 10:15 a.m. with the icy dip at 11 a.m. Proceeds benefit the family of Dave Whelan. Forecast for the Plunge calls for sunny and highs of 36. Balmy!
2. Newsbit of the Day: Did you miss our Kitty of the Year that we posted on our sister site in Swampscott this weekend? Then you missed out on our video (and a catchy original tune). If you watch only one video about a sweetheart cat with neurological problems, this is the one. And good news: The Marblehead Animal Shelter found a forever home for the video's star, Henry Blanc.
3. Tips for New Year's Resolutions: If you make them, here are some tips on keeping them.
4. Weather Watch: Mostly sunny, with a high near 35. West wind 11 to 14 mph.
5. New Year's for the Younger Set: New Year's Eve is great for adults. But what about your kids? This morning at 10 there's an activity for them as Wit & Whimsy Children's Bookstore hosts a craft session for children. They'll make a party hat and noisemaker.
For more things going on in Marblehead today, check out our events calendar.


text:
The song is about a sailor who ships off, leaving his loved one, Brielle. In the song he recalls her, thinks about when he'll be back, and sends loving thoughts to her.
He is clearly thinking about her very lovingly and caring. For example he compares her to a butterfly, and the chorus is written like he was speaking to her, or maybe more like a whisper he hopes the wind will carry to her.
Sweet :)
|Dr. Seuss (via quote-book)
i miss my old friends..
i miss bandung..
i miss dago 350..
i miss everything…"