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Income doesn't seem to go as far as it used to? Family health care expenses are a large reason why. A study just released by Milliman Medical showed that their 2010 index for family medical expense rose to $18,074 from 2009's $16,771, an increase of 7.8% or a record setting $1,303 on the year!
Read the full report here, it is easy to follow and has many good charts:
Milliman Medical Index 2010
Their study adds up the total medical spending costs for the average family – more than $18,000.
Medical costs have increased $4,692 per year over the past 5 years, an increase of 35%! This 35% annual increase since 2006 compares to a 4.9% growth in household income. Sustainable? I think not, it sounds more like bubble dynamics to me.
It gets even worse when viewed over longer time periods. Going back and reviewing Milliman's report for 2006, we find the following chart going back to the year 2002 when growth rates were running above 10%.
Although 2010's percentage rise is not as high, the dollar figure is growing exponentially.
Here are the annual cost figures going back to 2002:
Since 2002 family medical costs have risen 96%! Have incomes kept up with that? Certainly not! Incomes and medical expenses are on two different curves, just as are income and debt. It's certainly no coincident that debt has also grown over the same time period – that is exactly how and why increases in medical costs, housing costs, automobile costs, etc. came about, it was financed. And now here we are, incomes in the same place, expenses soaring, debt saturated.
This year's $18,000 total annual medical spending compares to the median household income, according to the Census Bureau, of $52,175. That equals a staggering 34% of median household income.
However, of that $18,000+ that is spent, employers pay for 59% of it and following three consecutive years of individuals paying an increasing share of the expense, 2010 actually saw the employer's share increase slightly.
The 41% of the cost paid by employees equals $7,330 per year, or "only" 14% of household income. In 2006 employee share was 38% of the total.
Here's how the percentage of the national average breaks out by region, sorry Floridians:
Universal health care going to keep costs down? Please. It's more like the mandatory Gestapo Insurance Vampire Economics (GIVE) program. Insurance company bonuses, bubbles for everyone!
Oh, you're not in the financial or insurance industries? Sorry, GIVE is not for you. You, my friend, are a part of the Tax And Keep Economy (TAKE).
Friday: Employment Report, Trade Deficit
8 hours ago


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Distinguished University Professor Emeritus, Epidemiology & Population Health
Distinguished University Professor Emeritus, Medicine (General Internal Medicine)
HypertensionDietary saltCardiovascular disease
A specialist in hypertension, Dr. Alderman is widely recognized for having questioned public health initiatives to lower the recommended level of dietary salt. His research has focused on understanding the wide variety of cardiovascular outcomes among patients with high blood pressure. Dr. Alderman has been featured by The New York Times, the Associated Press and The Wall Street Journal.
Dr. Alderman has led pioneering studies on the roles of renin-angiotensin and salt system (a hormonal system that regulates blood pressure and fluid balance) in cardiovascular disease. In 1973, he established the Worksite program for hypertensive care, a model for effective care and the largest ongoing treatment program of its kind.
Dr. Alderman has authored more than 270 scientific papers, book chapters and textbooks. He is editor of the American Journal of Hypertension, a fellow of the American College of Physicians, a member of the Association of American Physicians, and a past president of both the American Society of Hypertension and the International Society of Hypertension.
Email: firstname.lastname@example.com
Phone: 718.430.3101

subset: commoncrawl


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Researchers in the Perelman School of Medicine at the University of Pennsylvania found that, across a variety of neurodegenerative diseases, cerebrovascular disease affecting circulation of blood in the brain was significantly associated with dementia. The researchers contend that people already exhibiting clinical features of Alzheimer's disease and other memory impairments may benefit from effective therapies currently available to reduce vascular problems. Thus, early management of vascular risk factors, such as high blood pressure and cholesterol, and adopting a 'heart healthy' diet as well as exercise and other lifestyles in midlife may delay or prevent the onset of dementia due to Alzheimer's and Parkinson's disease.
The link between cerebrovascular disease was strongest with Alzheimer's disease – as compared to other neurodegenerative diseases including frontotemporal lobar degeneration, Lou Gehrig's disease or ALS and Parkinson's disease – and had the most pronounced effect in younger Alzheimer's patients, according to the study, published in the July 10 issue of Brain.
"While there was evidence already to suggest that vascular disease could play a role in neurodegenerative disease, this is the first study to compare the burden of vascular disease across neurodegenerative diseases with multiple, distinct or different origins," said senior author John Q. Trojanowski, MD, PhD, director of the National Institute on Aging-funded Alzheimer's Disease Core Center at the University of Pennsylvania and professor of Pathology and Laboratory Medicine. "We were surprised to find such a strong link to vascular disease in Alzheimer's disease, especially in younger patients, in comparison to individuals with other neurodegenerative diseases."
Penn researchers analyzed 5715 cases from the National Alzheimer's Coordinating Center (NACC) database, which have been collected from 35 past and present NIA-funded Alzheimer's centers across the US since NACC was started in 1999. This is the first study to compare the presence of cerebrovascular disease across the whole spectrum of neurogenerative diseases.
Nearly 80 percent of the more than 4600 Alzheimer's disease patients showed some degree of vascular pathology – defined as hardened or blocked blood vessels, tissue death due to lack of blood supply, or bleeding – in the brain, as compared to 67 percent in the control group of people with no remarkable brain disease pathology, and 66 percent in the Parkinson's pathology group.
"In the absence of any disease modifying therapies to change the course of the Alzheimer's and Parkinson's, we hope that the diligent use of existing treatments for vascular conditions and the implementation of campaigns promoting healthy lifestyles in young and middle aged people may have a positive impact on preventing or reducing dementia symptoms in Alzheimer's and Parkinson's disease " said lead study author Jon B. Toledo, MD, postdoctoral researcher at the University of Pennsylvania Perelman School of Medicine.
The study has implications from a public health perspective and for the design of clinical study cohorts that better represent the general population of people with cognitive impairment. In addition, drugs tested for Alzheimer's disease and other related dementias should consider the impact of the frequent concident presence of cerebrovascular disease on the treatment response of new therapies for Alzheimer's, as most current trials exclude patients with vascular risk factors or cardiovascular disease. Given the prevalence of vascular problems, the researchers note that this large subset of dementia patients should be included in clinical trials to accurately represent the true population dealing with these neurodegenerative diseases, or, at least considered when predicting the clinical impact on patients in a real world population.
Additional members of the Penn study team include Steven Arnold, MD, co-director of Penn's Alzheimer's Disease Core Center and Murray Grossman, MD, EdD, director of the Penn Frontotemporal Disease Center; Kevin Raible and Johanness Brettschneider from the Center for Neurodegenerative Disease Research; and Sharon Xie, from the Department of Biostatics and Epidemiology. Colleagues at the National Alzheimer's Coordinating Center at the University of Washington also contributed to this report.
Funding was provided by the National Institute on Aging (U01 AG016976 and P30 AG010124), with additional support from the Fundacion Alfonso Martin Escudero.


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Have a friend who would squeal with joy at receiving bacon-scented soap? How about a relative who's always dreamed of owning a Barack Obama Chia pet?
Well, you're in luck. Retailers are selling another batch of gag gifts this year that may be perfect for those on your list whose sense of humor is slightly off the beaten path.
But we're still on the fence about whether these gifts are on the cool side of stupid or the stupid side of cool. It's a tough call.
We've scoured the Web, searching everywhere from to the aptly named to the Home Shopping Network, to find some ideas for the jokester on your list.
Many gifts were pretty far-fetched, but mostly they just made us giggle.
We came up with 10 of the wackiest gift ideas for the upcoming holidays — everything from instant underpantsto a Harry Potter remote control.
But as we said, it's a close one. So, you pick: stupid or cool?
Click through these 10 gift ideas and vote.
French Fry Lip Balm
If you're like us, the holiday desserts are way too tempting this time of year. We could eat countless slices of pumpkin and sweet potato pie. Although it seems like sweets are lurking around every corner you turn this time of year, we still get cravings for our old fast-food standbys, especially French fries.
Enter: the French fry lip balm. Hiding in the tube are 0.16 ounces of fry-smelling goodness without the guilt. Yum!
For $2.99 (or roughly the cost of actual fries), you can have hours of fast-food-esque enjoyment.
Bacon Soap
Do you often accidentally mix up your morning bacon and bar of soap in the shower and subsequently get out smelling like pork?
Yeah, it's never happened to us either, but this product's manufacturers think you'll be interested in smelling like Wilbur the Pig minus the greasy feeling of bathing in bacon fat.
For the small price of $5.99, you too can smell fresh off the farm when you get fresh out of the shower.
Presidential Chia Pets
Ch-ch-ch-chia has embraced O-O-Obama. If you don't feel like shelling out the cash to commission a painting of the president or one of our Founding Fathers, don't be dismayed. For only $19.95, you can buy a work of patriotic installation art — a piece from the Proud to be American Chia Series. In addition to Obama, George Washington, Abraham Lincoln and the Statue of Liberty are also available.
Now, that's a gift we can believe in!
Instant Underpants
How many times have you been caught without a clean pair of underpants? Whether you spent a night away from home unexpectedly or had some unfortunate accident, it happens.
Well, problem solved. Just add water to this $4.95 gift, and you'll instantly be the proud new owner of a wearable pair of underpants. We're pretty sure that means they'll be wet once you put them on, but you could always go commando while they dry out.
According to website, Instant Underpants are unisex and fit most children and small adults. Only one question remains – boxers or briefs?
Magical TV Remote
Have you been searching stores to no avail to find the ideal gift for your Harry Potter fanatic? Well, scour no longer! For $89.99, you can channel (no pun intended!) your inner wizard with a magic wand that doubles as a programmable TV remote. The wand can perform a total of 13 magical functions, including changing the channel, turning up the volume and using other electronic devices, such as an iPod or DVD player.
This gift could be just the one for the Muggles in your life.
Shark-Bite Oven Mitt
If you have a friend who's glued to the Food Network like white on rice, you may be wondering what to buy your budding Giada De Laurentiis. Look no further — a shark bite oven mittcould be the key to checking that culinary enthusiast off your shopping list. One reviewer called the mitts "fun"ctional, and we think that user might have nailed it.
And at $14.99, this gift won't take too big of a bite out of your wallet.
Ninja Cookie Cutters
Although parents always say, "Don't play with your food," these Ninja cookie cutters do the horsing around for you. Young bakers can rearrange these ninja warriors into fight scenes before setting them out for Santa to find on Christmas Morning.
Sporting a $5.49 price tag, these cookie cutters won't be a kick in your wallet either.
iStuck Phone - iPod Stand
A stand that holds smartphones, Apple iPods or any other PDA device upright? iWant! Instead of having to fiddle to pick up your phone to dial Santa about your wish list or to see what holiday jingle is playing, the iStuck lets you prop up your electronic device easily.
Order today, or you could be stuck without one.
Blade Runner Umbrella
Getting caught in the rain can put a real damper on the day. That is, until this light-up umbrella came on the scene. Now, you can indulge your inner Blade Runner while also keeping your spiffy new outfit from getting drenched.
Aspiring Replicant fighters can choose between lighting the dark streets with a blue or white light — batteries included!
Jersey Shore Ornaments
Always dreamed of sharing your Christmas with the cast of the Jersey Shore? Well, apparently you're not alone. The Home Shopping Network has already sold out of these three-piece ornament sets of the infamous cast of guidos and guidettes. For $24.95, consumers snapped up miniatures of Mike "The Situation," Snooki and Pauly D. But perhaps if demand is strong enough (and judging by the upcoming Jan. 5 premiere of the show's fifth season, it could be), HSN will sell another batch!
After hitting the holiday and office parties this season, The Situation's abs could be the only six-pack left in your house.


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Imagine that you're a lawyer, a partner at a powerhouse firm in the US, who has just spent the last three years litigating an intellectual property case against a South Korean company in a Texas court. Imagine that you finally plowed through a six-day jury trial involving key e-mails as evidence, then imagine that you won a $25 million payday for your clients.
Time to celebrate? Sure, until you find out that your three years of work relied in part on a series of faked e-mails that your own client had purposely created—and that the FBI was investigating.
Now imagine how quickly you might want out of the whole matter.
Wait, you can't fake e-mails as evidence?
The battle of the acronyms began back in August 2011, when LBDS Holding Company sued South Korean company ISOL Technology over magnetic resonance imaging (MRI) tech.
An MRI can produce incredible interior images of the body, but the technique famously requires the patient to remain still—a problem when trying to image the always-beating human heart. LBDS said it had developed "highly confidential, proprietary technology" to solve the problem, which was to have been incorporated into ISOL MRI machines, imported into the US, and sold under LBDS' private label. According to LBDS, ISOL instead used its technology without authorization and sold it under its own name—an alleged breach of contract and a theft of trade secrets.
In March 2014, both parties embarked on a six-day jury trial in a Texas federal court. Within a few hours of the trial's conclusion, the jury had a returned a verdict in favor of LBDS. ISOL would have to pay $24,414,068 to cover lost profits along with another $760,693—a cool $25 million in total.
Fast forward to this month, when ISOL filed a post-trial "Emergency Motion for Sanctions" in which it dropped a bombshell claim: an anonymous source said that LBDS had used "manufactured and forged documents" as pieces of evidence in the court battle between the two companies.
Many of these documents were said to be e-mails. According to ISOL, LBDS registered the domain cernerinc.com and then simply created bogus e-mails using the names of real Cerner Corporation employees. (Cerner Corporation is a real healthcare company, but its actual domain name is cerner.com). Those e-mails were then used as key elements in the lawsuit against ISOL.
"LBDS manufactured documents to defraud and manipulate a foreign company and then used those documents as its primary evidence in prosecuting its claims against the same company and its employees," ISOL lawyers wrote. "It is difficult to imagine a greater abuse of the civil justice system."
LBDS was represented by well-known national law firm Akin Gump Strauss Hauer & Feld LLP, and Akin Gump immediately called its client to find out if the accusations had any merit.
On May 15, one day after learning about the sanctions motion, Akin Gump partner Sanford Warren got LBDS execs on the phone... and they admitted that the allegations were "essentially correct."
"Those on the call had set up a fictitious domain name and sent e-mails from that domain name to create the impression that certain e-mails, introduced into evidence at the trial of this case, were sent by Cerner Corporation, when in fact they were not," Warren wrote in a filing with the court.
Warren tried to persuade his clients, both on the call and in a followup letter, to admit this to the court, but he noted that "LBDS has not done so." So, on May 21, Warren did so himself as required by the Texas Disciplinary Rules of Professional Conduct. He also asked the judge to let Akin Gump withdraw. Akin Gump wants nothing to do with the whole mess, especially after finding out that the FBI is now investigating the situation.
A little skepticism goes a long way
Writing about the whole mess at Above the Law, lawyer Joe Patrice notes that there's little lawyers can do to verify that the documents their own clients produce in discovery are genuine, especially when it comes to these sorts of bogus e-mails.
The moral of the story is to be ever vigilant. If you think the kind of shadiness described in this motion can't happen with "Biglaw clients," you're wrong. It's just much more sophisticated and harder to detect when a deeper pocket decides to play fast and loose with the facts. A partner once warned me during a document collection in a white-collar case, "Remember you're dealing with the criminal f**king element." Not that we necessarily thought our client was a wrongdoer or that we weren't prepared to offer a zealous defense, but he meant that when gathering documents from someone accused of a crime they are either innocent, knowingly guilty, or in denial, and two out of those three demand a skeptical approach to gathering facts.
This whole ordeal might have been avoided had that "skeptical approach" been taken up front. For instance, looking up Cerner Corporation would have shown its domain to be cerner.com, and a "whois" search would have revealed legitimate contact information for the Missouri-based company. Cernerinc.com, by contrast, was a different domain that had its contact details obscured through Domains by Proxy. Some tough questions about this disparity might have saved everyone on both sides years of effort.


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I am facing a dilemma of dividing an existing bathroom into two rooms.
But, in order to do so, I will have to divide the bay window into two parts and am unsure of its construction detail.
I will be making a stud partition wall, but how does that finish along the profile of the timber bay window.
Please help


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The Society for the Prevention of Cruelty to Animals Tampa Bay kicks off the first Canine Good Citizen test from 10 a.m. to 3 p.m. Saturday at the shelter, 9099 130th Ave. N, Largo. This event is specifically for pit bulls and pit bull mixes.
Pit bullterriers are a misunderstood breed, but for responsible owners who understand their working breed nature, they can be affectionate, loving and loyal.
The American Kennel Club's Canine Good Citizen Program started in 1989 and is designed to reward dogs that have good manners at home and in the community. The two-part program stresses responsible pet ownership for owners and basic good manners for dogs. All dogs that pass the 10-step CGC test receive a certificate from the AKC.
Many dog owners choose the program as the first step in training their dogs, and it lays the foundation for other activities such as obedience, agility, tracking and performance events.
The 10 areas of testing include: accepting a friendly stranger; sitting politely for petting; appearance, and dog permits grooming; out for a walk (walking on a loose lead); walking through a crowd; sit and down on command, and staying in place; coming when called; reaction to another dog; reaction to distraction; and supervised separation. All tests must be performed on a leash.
For dogs that cannot pass all the tests, training is available through the SPCA for nominal fees.
For details on the program, visit www.akc.org/events/cgc/index.cfm.
The SPCA is working in conjunction with the Animal Farm Foundation, a New York-based organization that aims to change the perception of pit bullterriers. For every certified pit bullterrier or pit bullterrier mix, the Animal Farm Foundation will give a $150 donation to the SPCA's homeless pets.
Interested pet owners must schedule an appointment for their Canine Good Citizen test by logging on to www.SPCATampaBay.org or calling 586-3591, ext. 167.
There will be a $10 testing fee.


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The Affinity Pivot Door
The Affinity Pivot Door is a Picassoesque abstract design of interactive figurative forms overlaid on frosted glass. Hand colored for contrast and overlaid to add depth these forms are the foundation for the many that will pass through this formidable door. Weighing in at nearly 475lbs this 4′ x 8′ door opens effortlessly on a precisely machined pivot. The door frame is foam filled for insulation and seals tightly against steel door stops. The door frame shown is reclaimed Chestnut with steel jambs.
- Custom designs available
Please call 406-582-0711 for pricing and ordering information
or email us at email@example.com


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Saturday, July 21, 2012
The TRUTH about Etsy and How to be Successful on Etsy
We have done A LOT of research from many sources and through our personal experience about this particular topic. So we do hope that many of you may find this helpful for your success on Etsy.
There are MANY successful sellers on Etsy. But none of the successful shops achieved success overnight. MOST of the successful shops on Etsy have been around for at least 2 to 3 years or more. The reason is because there is a HUGE learning curve. So when you are new on Etsy, there are a lot of tricks and tips to learn to help your business grow, in addition to learning the basics of selling on Etsy. Plus, it does take time for people to find you. There are thousands of shops on Etsy and it does take awhile for buyers to stumbled onto your products and your shop.
So rest assure, success can be achieved, but it takes a whole lot of time, dedication, patience, and persistence. Many sellers gave up after just a few months or after a year of being in business. In the "Brick and Mortar" world, most businesses takes 3 years to break-even.
Tips and Tricks that WORKS:
1. You must have a minimum of 50-100 items in your shop.
If your shop do not have enough to at least fill 4 pages of your shop, your shop will look like it is abandonned. And no one wants to buy from a shop that seems like the owner is not even there to tend to it. So it does not build buyers' confidence.
2. Pictures Pictures Pictures
Your picture must look appealing.
You must have probably read so many articles already on the importance of picture quality when selling online, but this topic cannot be expressed enough.
So many times, shop owners would put pictures of their items up and the pictures are very blurry or dark, making the items less appealing. For more tips and tricks on Pictures techniques, please read our other post on Pictures Techniques on our blog.
3. Network like CRAZY
So if you open a shop and no one knows about it, how can they find it???
So help your shop be successful by telling everyone you know about it and what you sell. And make sure that you spread the word on all of your social networks as well.
4. Treat your business as a "REAL" Job!
Set working hours like you would if you have a normal job. The more time that you put into your business, the more fruit that you see from it. And it does take ALL of the spare time that you have (if you are working part-time), or ALL of your full time if this is your full time job. You really do get what you put into it.
5. Do you have a product that others would want to buy?
Many times new sellers thinks that if they put something online to sell, that someone will just buy it. WRONG!!! If it is something that you would not buy yourself, then chances are, others would not see the value in it either. So make sure what you are putting out there is what you are passionate about. If you are passionate about you do, it will show in your products, shop, and business. And YES, there are many others out there whom might share the same interests you do.
This topic cannot be stressed enough! You MUST have exceptional customer service. If you treat your customers poorly and do not stand behind your products, then you will not get repeat customers. And most business do rely on repeat customers to be successful. So if there is a problem, just fix it.
We know all of these tips and tricks sounds like they are just basic stuff. But they really do work. And doing all of these does make your business successful.
Having a home based business or selling online is NOT easy. Who ever said that it is easy and quick is lying to you!!! So do not waste your money on those kits that you see other people are trying to sell to you for a lot of money. Because they are successful because you are helping them profit. NOT because they are selling a awesome handmade product and made a lot of money off of it (except for the kits that they are selling to you). So please do not waste your money. All of the kits and ebooks in the world cannot help your business become successful and certainly not overnight if you do not follow all of the simple tips that we have just talked about.
And there are NO such thing as having "quick" success. Maybe a few sellers are lucky in that aspect and got lucky and made a lot of sales in a very short amount of time. But many of us have to put a lot of sweat, blood, and tears into our businesses to make it successful to the point where we can quit our day job. But if you keep at it and do not give up, you too will achieve success. So next time when someone tries to sell you something that promises you to make money fast online, please do not waste your money. All of those do not work if you have a "set it and forget it" attitude with your business, or thinking that you will achieve success overnight, in a few days, in a few weeks, or even in a few months.
Thursday, March 8, 2012
Simple install instructions:
1. First find a treasury you want to feature.
2. Locate the Etsy Treasury ID
3. Head over to Etsy treasury HTML code generator
4. Copy and paste the Etsy Treasury id number in the box.
5. Pick what you want the layout of the treasury you want. You can pick different number of columns and the size of the pictures.
6. Hit the generate code button and your preview and code will show below.
7. Here is what the Treasury html will look like. Click in the box and hit "control a" to ensure you copy all the code.
8. Head over to your blog and paste the code where you want the treasury to show up. Make sure you are in the html tab before you paste your code.
Blogger will look like this:
(source: http://www.handmadeology.com/quickly-add-any-etsy-treasury-to-your-blog-or-webpage/)
Info founded by, written, and posted by: http://www.etsy.com/people/RocoByRachel
Thursday, February 23, 2012
Online Labs:
Etsy's bookkeeping partner, Outright, shares straightforward tips for the small business owner.
Tune in to this Q&A session on the legal and financial aspects to consider when starting a business.
Blog Posts:
Other Resources:
Etsy App: Metricorn tracks and visualizes your sales, while expensing shipping data and taxes to boot.
Etsy Team: Blech! provides a friendly place for advanced discussion on business, marketing, accounting, promotions, and Etsy.
Sunday, June 19, 2011
Contact Etsy, Ebay, Paypal, Artfire, etc...
Even though almost 100% of the time, these sites don't do anything to punish the scammers, it's just protocol.
2. Contact your network on Facebook, twitter, blog, youtube, etc... and tell ALL of your friends and networks about the crime so that the criminal can be identify by many others. Your networks also includes your teams, forums, groups, and guilds online as well.
Heck, they should have billboards plastered with pictures of all of these criminals' faces instead of stupid ads that no one wants to see on the freeway!
3. Write to Etsy Entrepreneurs and we will post your story and the criminals who have committed the crime so that others may be warned and steer clear of these scammers.
4. Write to: http://etsycallout.wordpress.com/
Tell them your story and let them know. They have a wide network of viewers as well, so this will help spread the word.
5. Contact Regretsy.com
Tell them your story. Like etsycallout, they will help spread the word about the scam and con artist.
Any other tips, please comment so that we may all learn together. Let's band together and shut these criminals down!
Thursday, June 16, 2011
Congratulations to
With Any Man Can Be A Father, But It Takes A Special Person To Be A Dad
Congrats to all and remember to share the love!
Sunday, June 12, 2011
The Latest Scams & The Etsy Feedback System That Facilitates It
The Scam:
The buyer purchases an item from you; then after the purchase is complete they contact you requesting that you send the item to a different address than the one that they have listed in their Etsy and PayPal accounts. If you do that, you will be forced by PayPal to refund the customer if they claim they never got it. In other words.....they have the item and a refund.....and you, the seller have zip.
If you don't ship the item to the other address they asked you to ship to; the customer will be angry because the scam didn't work in their favor....so they will come up with issues with the item; and either leave negative feedback or they threaten to leave negative feedback if they don't receive a full refund.....and they still expect you to allow them to keep the item.
Another senerio:
They will say they moved and never got the item because you refused to ship the item to their new address that they sent to you after the sale was completed. Which let me make very clear....DON'T DO IT! PayPal will take your money out of your account and refund the buyer if you did not ship to the address listed in PayPal.
The worst part of this type of scam is that you can't do anything about it. Etsy will allow them to get away with it. Etsy will go so far as to tell you to work it out with the buyer, and to refund them or give them another item.....they offer no assistance at all.
In other words; if you don't refund the customer and allow them to keep the item you will end up with negative feedback from the customer.....and that's okay with Etsy.
My latest scammer went into great detail in her feedback; stating the item was damaged, rusted, scratched, etc.; basically calling the item a piece of junk.....and said that she was "ripped-off" by me. She never once tried to contact me prior to leaving the feedback to let me know of any problems....she just told horrible lies when leaving feedback because her scam didn't work out in her favor. She thought I would ship to another address, but I decided to contact PayPal about it, and I was told "Absolutely, under no circumstance do you ship to another address.....and it sounded like a scam to them".
After she left the negative feedback the buyer finally did contact me stating she would consider changing her feedback if I refunded her in full. Keep in mind that she wants the item, and admits that it's a cute piece in her convo to me.....and that she wants to keep it. She never once asked to return the piece for a refund.....even though I had mentioned that she could have returned the item for a full refund, rather than leaving negative feedback.
She also made it quite clear that she understands the Etsy's feedback system....and that the negative feedback that she received from me doesn't show to the public or to other sellers, so she could care less. She even went as far as to gloat about that fact, and how the negative feedback only hurts me, as the seller. She even added a smiley face after the comment to let me know she was gloating about her not being affected by the feedback.
The Etsy feedback system is totally unacceptable and unfair to all the honest sellers. I think as sellers here on Etsy we need to make it clear that these feedback policies only hurt the honest seller; and should be changed to make it a fair place for both buyers and sellers to conduct their business.
I'd love to hear from other sellers.....what scams are you dealing with? I think as sellers we need to look out for each other.....and let others know what kind of scams are being perpetrated here on Etsy!
Also, as a seller.....how do you feel about the feedback system? How have the changes affected your doing business here?
Saturday, June 11, 2011
Being Safe on Etsy: Spotting and Avoiding Advance Fee Fraud
It's important for us at Etsy to ensure our community is safe while using the site. Unfortunately there is no foolproof way to ensure safety online at all times. Sometimes all we can do is give information and hope that well informed users will be able to protect themselves. As the Etsy name spreads throughout popular culture and the world, it is bound to attract more and more unscrupulous individuals with ulterior motives. Unfortunately, this happens to web companies as they become more popular.
One of the most common scams is known as Advance-fee fraud. Also called the "Nigerian scam" or the "419 scam," this type of scam is frequently seen in emails where a person claims to be looking to engage in a business deal involving a large sum of money, but these scams are now cropping up more and more on online retail sites.
How this scam shows up on Etsy:
Typically this scam begins with the scammer sending out Conversations (also known as "Convos," Etsy's internal messaging system) to a wide range of Etsy sellers, specifically those that list one or more high priced items. In some cases the scammer may simply purchase some of these expensive listings. If they have checked out and committed to buy these listings, it's likely they have not "paid" in any sense and will send a Conversation along with their purchase.
The Convo will usually indicate that this buyer will pay with a money order or a cashier's check and will need to tack on an extra amount for their "shipping agent." Usually this amount is very high — sometimes even higher than the original cost of the listing. If this is agreed upon, then the buyer will send out the money order or check and typically a fake "invoice" from the shipping agent. They will then request that any over-payment from the money order be sent back to them.
This works because the check or money order (typically from an overseas bank) is a forgery. Your bank may allow you to deposit it, and then by the time the bank realizes it is a forgery, you have already sent back the over-payment to the scammer. Once the forgery is detected your bank will hold you liable for the amount, and now that the con artist has their money, you will not hear from them again.
What to do:
If you receive any suspicious Convos like this the best thing to do is ignore them and report it to Etsy's Support Team or forward the Convo notification email to firstname.lastname@example.com. If an item was purchased from your shop, you may cancel the transaction as well.
Sellers should never send any money in a situation like this, no matter what reason is given. If you do find yourself facing a potential loss, or realize too late that you were being targeted by a scam, be sure to contact your financial institution as soon as possible. You may also want to contact local law enforcement. Again, let us know about this and send us the pertinent information, so we can take steps to remove and block these types of users from our site. Please share this article with your family and friends so we can spread awareness!


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November 9th, 2012 by Jesse Kinyanjui
In Somalia, one of the most difficult and dangerous places for aid agencies to work, the conflict has left many communities hard to reach. Mobile phones offer an innovative way of educating such communities with life-saving information.
Oxfam and our partner Hijra started a pilot project to provide public health information to people's mobile phones, timed to coincide with the peak cholera season, when many displaced families living in crowded camps in Mogadishu are particularly at risk. Despite the many challenges in Somalia, there is good network coverage and phones are cheap and available. Many Somalis use phones to receive remittances from relatives overseas.
A messaging centre was set up in Hijra's office, capable of sending 10,000 messages an hour – as long as there is power. The messages can be received on any ordinary phone. 10,000 people took part and received five "sessions" of messages explaining cholera prevention and control.
A recent evaluation of the pilot phase found notable impact among the youth, who are most keen to use new technology to connect to the outside world. Young people were talking about the project at school, and said it was seen as "cool" to get involved and learn about cholera in this new way. Peer pressure got many new youth involved.
The main expense was setting up the platform and software. But the software can be changed to fit the context, local language and subject matter without an IT expert, so programme staff are able to manage it. The sessions cost about 60 cents. Although many people have phones, not everyone has credit – so users are refunded $1. Just like traditional public health campaigns, (where staff and volunteers go out into communities to engage face-to-face) the software is interactive, allowing people to text questions for staff to reply.
Feedback has been mostly positive. Unlike traditional campaigns, people said they liked being able to store the messages to look at in their own time – particularly women who were at home looking after children. One said it was like "attending a workshop in your own home." People remembered the text messages more than radio bulletins (which cannot be saved) or posters.
One man said he made up an Oral Rehydration Supplement (ORS) for his sick child after referring back to the text messages. One woman had wanted to use chlorine but did not remember the dosage and had to refer back to her text message.
There were many recommendations for us to take forward. Youth said they would like to receive "private" information about HIV/AIDS and sex education, as well as health songs as downloadable ringtones. Other suggestions included using e-vouchers for aid distributions, and community feedback via text to help us increase our accountability. While the youth liked to receive text messages, older generations – particularly women – preferred a real voice, so a Voicemail component was recommended.
Mobile phones are not a perfect solution on their own, but done in coordination with traditional methods they have so far proved successful. Traditional public health promotion may be more participatory, but youth are increasingly engaged with new technologies and, in areas where access is not guaranteed (whether due to security or weather), the mobile phone based platform offers a new way for Oxfam to engage with communities.
A second phase of this project is now underway, comprising a fully fledged mobile phone Water, Sanitation and Hygiene (mWASH) platform, with the capability to undertake rapid assessments, distribute non food items (NFIs), conduct community education, and conduct monitoring.


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Remember back in the early '80s when King Sunny Adé hit the scene in America? Not only was he said to be the next Bob Marley, the record companies were falling all over themselves to find the next "Big Thing" out of Africa. In short order Sonny Okosun and Tabu Ley Rochereau were launched on US tours, and there was a sprinkling of record releases by various artists. None of this had much impact - the "African Music Explosion" of the early '80s turned out to be a bit of a dud, although it paved the way for World Music™ a few years later. Whoopdy-doo!
One group that had more of an impact than most during this time was Touré Kunda, a Paris-based combo founded by a group of brothers from the Casamance region of southern Senegal. Touré Kunda didn't get a lot of respect from the more hard-core African music fans. A friend of mine came back from one of their concerts in Madison sneering at their "African bubble-gum music."
I've always thought Touré Kunda got a bum rap. Behind the slick production values their sound was always true to the music of their native region, which has never been as "angular" as that of Senegal's North.
Popular around the same time, although not so much in the US, was the Paris-based "Afro-Jazz" group Xalam, which if I am not mistaken, also has its roots in the Casamance. The group was founded in 1969 by percussionist Abdoulaye Prosper Niang. Xalam achieved a level of "mainstream" success that most African musicians can only dream of: recording with the Rolling Stones, opening for Crosby, Stills & Nash and Robert Plant, soundtrack gigs and innumerable world tours over the years. After a few rough years following the death of Niang in 1988 and the replacement of most of the original members, Xalam is this year celebrating its fortieth anniversary!
I've always loved Xalam's LP Gorée, released in 1983 by the French label Celluloid (CEL 6656). The album updates Senegalese folkloric themes to great effect, highlighted by spot-on percussion and the brilliant trombone work of Yoro Gueye. If you like this one, be sure to check out some of Xalam's other recordings, some of which are newly available after many years out of print.
Here's the music, along with song descriptions from the liner notes:
Derived from Mandingo folklore, "Sidy Yella" was also a hit for Touré Kunda. "A Mandingo son, a brave humanitarian warrior, defended his people against the invader with dignity, and died on the battleground":
Xalam - Sidy Yella
"A song about motherly love. A child sings for her mother at the first rooster call. 'When the rooster announces the start of the day, when the girls sing and the boys dance. . . ,' the child sings to her mother. Serere song. N'diouf rhythm":
Xalam - Ade 2
"Gorée is an island located 3 kms from Dakar. An important place, it was made a Portuguese, Dutch, English and French trading post. Thousands of Africans were 'exported' to the USA, the West Indies, Brazil, Haiti & Cuba, transporting a whole culture and civilization. Diola rhythm (Saw Ruba)":
Xalam - Gorée
"Song of the struggle. An old champion recounts his feats and speaks of struggle, of the life which demands sacrifice, courage, patience, willpower and faith: 'There where we pass, the one that passes collects mud.' Life is an eternal struggle. Wolof song. Saban rhythm":
Xalam - Kanu 2
"The story of a woman who prays to the god Djisalbero for a child. Her prayers go unanswered and she sees that around her the other women who have children hardly spend their time caring for them or simply abandon them. Diola song. Boncarabon rhythm":
Xalam - Djisalbero
"The struggle for the liberation of oppressed black people and of man in his home and birthplace. The struggle for the unification of African people. the struggle against racism and apartheid":
Xalam - Soweto
Many thanks to my daughter Aku for translating these liner notes. Click on the pictures at the top of the post and below to reveal the album sleeve in full. Download Gorée as a zipped file here, and thanks to reader/listener Soulsalaam for making the Xalam LP "Ade" Live at Festival Horizonte Berlin available here.
Friday, February 6, 2009
Forty Years of Xalam
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Why? These:
There's absolutely nothing wrong with them. They're pretty. The DragonFibers Superwash Sock yarn gives me nothing to complain about.
But I'm bored. Or I'm something. I don't know.
I cast on April 16, blasted through the toe increases, started a decorative stitch that I ended up not liking on the yarn, and ripped back to the toes. Let them sit a few days. Picked them back up and got them to the gusset fairly quickly, then stopped knitting again. Picked them up again and blew through the gusset. Then they sat again. (It's not entirely uncommon for me to let socks sit a few days before launching into the heels, but all this other sitting is really unusual!) Picked them up to get the heels going. Knit a couple rows. Let them sit. Picked up the heel flap stitches. Let them sit. Knit a couple rows more. And they've been sitting since.
Is it the colorway? It's called Shy -- and it is -- and maybe that's part of it but not any big part.
Is it the yarn? It's a hand-dyed superwash merino and feels nice enough. I was so happy to buy it back in April 2008 at the Village Yarn & Tea -- before they moved -- before they closed. Come to find out that DragonFibers discontinued this yarn back in 2008. The price sticker indicates I got it on sale, and that's probably why.
Is it the pattern? Nope. Although I must express some disappointment that the all-over decorative stitch I had been planning ended up not being a good fit for the yarn. I had believed the color changes were subtle enough to work on a more complicated pattern, but they're actually just distinct enough for the pattern to get more lost than I wanted.
Nothing's really wrong with the socks. Nothing's quite right, either.
So I'm going to let them sit a little longer. And I'm breaking my unwritten rule and starting another pair of socks. The yarn...
...Indie Dyer's Very Veggie colorway, added to my stash as part of the giant yarn purchase my mom and sister and I indulged in two winters ago. This colorway really appealed to me the moment I saw it -- even though I was viewing a web image. It didn't surprise me when it appealed to my mother-in-law, too, earlier this spring when I told her to look through my stash for yarn she'd like me to knit into socks for her.
Here's hoping it helps get my needles humming again!


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Anna's Drug Use
The judge in the Anna Nicole case has just said he will ask questions about Anna's drug use. Stern just testified Anna "was on prescription medication at different times." The judge asked if she was abusing drugs. Stern replied, "Look I'm not a doctor."
Stern then testified that Anna had been in rehab. He said, "Anna Nicole took prescription medication, mostly for depression."
Stern said, "It's not like Anna was medicated all the time. It's not like she couldn't talk."
The judge just asked about the video FOX obtained that TMZ published, and Stern said "That's the way Anna talks. There are times she was more impared than that." The judge then jumped on Stern and said, "What do you mean more impared than that." Stern said he didn't mean she was impaired.
Stern acknowledged Smith took methadone, "but not in my presence over the last five months." She acknowledged Dr. Sandeep Kapoor in Los Angeles prescribed it. TMZ first reported Kapoor prescribed methadone when Smith was 13 days before giving birth. Kapoor prescribed the drug under an alias.
Stern also acknowledged Smith was taking Dilaudid, a powerful painkiller.
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how do you treat bronchitis - General Information on Acute Bronchitis
General Information on Acute Bronchitis
Definition: Bronchitis is the inflammation (acute or cronic )of the trachea, bronchi. Acute
is caused by viral or bacterial infection and heal without complications. Adults that smoke develop chronic
that cannot be cured.
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Diagnosis The doctor will listen to the child's chest, if he hears moist rales, crackling, wheezing it means that the lung are inflammated and the airway is narrowing. Moist rales are caused by the fluid secretions in the bronchial tubes.
Shortness of Breath - This occurs in most people suffering from chronic bronchitis. The shortness of breath may be aggravated by overworking or even just mild activity. As the disease progresses the shortness of breath may even come from simply walking a short distance, or walking down some stairs.
This type of
, the acute form usually starts about five days after you have had an respiratory infection. If you have had a flu or cold, about five days after, you will experience
symptoms. The most common symptoms for acute
are cough, fever tiredness.
Shortness of breath is also another symptom that you might have when you have
acute bronchitis
. To fully understand all the
acute bronchitis
symptoms, you must understand what causes the disease. When you develop acute
, the tubes that are used to carry air to your lungs get inflamated. Acute
is usually caused by a virus and also
is the result of a respiratory infection that you probably had. This infection has a very well determined path. It moves from your nose, mouth to the bronchial tubes, causing
. Your improvement in health from bronchitis depends on a few factors, like age, if you are a smoker or not of whether the acute
was caused by a virus or bacteria. If
has been caused by
Are you feeling the Symptoms of
? Make sure to visit
Contagious for all your Bronchitis Cure options, plus reasons why taking antibiotics isn't the best idea.
Demographics Bronchitis affects predominantly pre-school and school age children, especially during winter time. Cause and symptoms Bronchitis begins with the symptoms of a cold, running nose, coughing, sneezing, fever of 102??F (38.8??C), greenish yellow sputum. In three to five days most of the symptoms disappear, but coughing may continue for some time. If the
acute bronchitis
is complicated with bacterial infection the fever and a general feeling of illness persists. The bacterial infection should be treated with antibiotics, if the cough doesn't get away it may be asthma or pneumonia. In direct proportion with the stage of the disease acute bronchitis has those symptoms: dry, hacking, unproductive cough, runny nose, sore throat, back and other muscle pains, general malaise, headache, fever, chills.
Coughing - Coughing caused by chronic bronchitis is usually first noticed in the early morning, just after waking up. The individual may cough for several hours after waking up. As the disease progresses, this coughing will last for longer into the day, and in some cases never goes away.
Swelling of the Legs and Ankles - Because chronic
can often lead to further complications, due to a lack of oxygen in the blood, it may cause the skin to turn blue or the extremities to swell in the later stages of chronic bronchitis. Swelling of the legs is also an indication of congestive heart failure, so individuals experiencing this symptom should see a doctor right away.
3) Ginger - Ginger is known in traditional Chinese medicine as a great way to ease coughing and sore throat. There are many ways to take ginger as an alternative bronchitis medicine, but all of them involve having to experience the fresh heat from the root. The first way is actually cutting a piece of the ginger root and sucking on it like a candy. You probably would say no to that. A better way is to boil a bit of crushed ginger root into a tea. You can add a bit of sugar to the resulting brew if you like -the tea is very effective for getting rid of built up phlegm.
Cough is the most common of all the
symptoms. It can be dry the first time, because it doesn' t produce any mucus. After a couple of days, it might bring some mucus from the lungs. The color of the mucus as a result of acute
can be green, clear or yellow. Fever is another symptom for
, but in the case of
acute bronchitis
, it is a mild fever. If the temperature is high, that might indicate pneumonia. When suffering from
acute bronchitis
you will also feel a general tiredness. You will also feel pain in your chest when suffering from
, which can agravate especially when you cough.
Cough suppressants may be used only when the cough is dry. Cough is useful because brings up extra mucus and irritants from the lungs and this way stops the mucus to accumulate in the airways and producing pneumonia bacteria. Tetracycline or ampicillin are used in the treatment of acute
, but good results have been obtained with trimethoprim/sulfamethoxazole (Bactrim or Septra) and azithromycin (Zithromax) and clarithromycin (Biaxin). In children acute
amoxicillin (Amoxil, Pentamox, Sumox, Trimox)is recommended, inhaler sprays to dilatate the bronchis and clear aut the mucus are also good. It is important to rest sufficiently, to eat well, avoid air pollution and irritants. Childrens wash their hands regularly and as a preventive measure they are artificially immunized against pneumonia.
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Description Acute
appears mostly in the winter, more often caused by viral infection. Although the cough may persist longer acute
is solved in two weeks, acute
complication is pneumonia in children.
If you have bronchitis and want to get well quickly, then you might want to take a look at some alternative
medicines. These medicines are derived from herbs and some eastern philosophy. Many people swear that alternative treatment, when coupled with western medicine, works wonders.
is the inflammation or swelling of the air passageways (bronchi) in the upper respiratory system. This is usually accompanied by the excessive production of mucus. Chronic
can manifest as many different symptoms, and is often hard to diagnose because the symptoms are so similar to other diseases that affect the lungs and respiratory system. Today, one in twenty Americans currently suffers chronic bronchitis. Even though the number has been steadily falling since the 70s, the number of patients suffering from
chronic bronchitis
still concerns doctors as it is often fatal. Below are some common signs and symptoms of chronic
a virus, you will get better sooner than if the acute
had been caused by bacteria. As many of the lung related diseases,
acute bronchitis
can also have complications if not treated. For example, if a case of acute
indicates ingcreased fatigue, a very high temperature, serious chest pain, it usually indicates that
acute bronchitis
has developed into pneumonia. Another problem would be repeated episodes of
acute bronchitis
caused by bacteria.This condition may lead to permanent damage of the bronchial tubes. This case of acute
gone wrong usually happens to people that smoke of those who have a weak immune system. So be careful how you treat your
Sputum culture is indicated to be performed to put a correct diagnosis of the infection and to identify the most appropriate antibiotic. The patient is asked to spit in a cup and than the sample is grown in the laboratory to see which organisms are present. Sometimes the sputum may be collected using bronchoscopy, the patient is given a local anesthetic and the tube is passed through the airways to collect a sputum sample. Blood tests and x-rays are also recommended, the measuring of the oxygen and carbon dioxide are also important.
Respiratory Infections - Chronic
is often the cause of respiratory infections. Because more mucus is produced by the body in those suffering from respiratory infections, this makes the upper respiratory system very damp and warm. This can be a breeding ground of sorts for infection, and makes infections very hard to treat once they are contracted.
4) Acupuncture - Did you know that the World Heath Organization actually has bronchitis on the list of illnesses treatable by acupuncture? By stimulating your nerves, an acupuncturist can help ease your symptoms and give your immune system a huge boost. This alternative
medicine can certainly inspire awe.
Here are some of the alternative treatments you might want to look into: 1) Aromatherapy - Adding a few scented oils such as eucalyptus or peppermint to a humidifier or vaporizer can help make breathing a whole lot easier for you. Aromatherapy can also help you relax, enabling you to sleep without waking up every five minutes to cough. This means you should be able to reserve your energy for recovery.
Fatigue - Fatigue is often experienced by individuals suffering from chronic bronchitis. They become tired just after waking, or other random times throughout the day. This is because the amount of oxygen in their blood is significantly less than those who don't suffer from the disease.
may be treated by home care if it's not complicated, resting, not smocking and drinking plenty of fluids, for fever you may take Tylenol, Panadol, Datril.
More informations about asthmatic bronchitis or
symptoms can be found by visiting http://www.
About the Author:
More informations about
asthmatic bronchitis
or bronchitis symptoms can be found by visiting http://www.bronchitis-guide.com/
2) Herbal tea - Tea is actually very beneficial to someone suffering from
. Cough is actually caused by irritants in the bronchioles and trachea. By taking in tea, you ease the irritation and inflammation, expanding your airways and easing your breathing. Herbal tea also helps you hydrate, enabling your body to melt down the phlegm and expel it from your body. There are different types of herbs in teas which could also serve to relieve symptoms and kill the virus causing bronchitis.
For more resources about
or especially about asthmatic bronchitis please visit http://www.bronchitis-guide.com/asthmatic-bronchitis.htm
Learn More about Natural Bronchitis Remedy
Signs And Symptoms of Bronchitis
The bronchi are the lining of the air tubes of the lungs. The inflammation of the bronchi is called Bronchitis. It can be the result of a cold, a sore throat or influentza. The cool air and the low temperatures in winter influence in a negative way the disease. You can be contaminated with the virus that causes Bronchitis by breathing a polluted atmosphere or by smoking. The symptoms last for...
Good Ways to Heal Bronchitis
If your bronchial tubes are covered by the mucous membranes, you may have bronchitis. Bronchitis is caused by the inflammation of the mucous membranes covering the inside of the bronchial tubes. Usually accompanied by fever and a strong cough, bronchitis is very boring and difficulty to treat. The patient with bronchitis always has a cough, often with large amounts of thick sputum. Bronchitis is...
Essential Aromatherapy Oil
Essential oils made from herbs, leaves, flowers, and bark is both fragrant and therapeutic. Each aromatherapy oil has its own therapeutic properties so it s a good idea to learn and understand them. Aromatherapy oil is very concentrated so you will only need a small amount in your application. After you know the values of the most popular oils you can choose your oils more effectively. And...
Cough Causes Symptoms & Treatments
Coughing is an important way to keep your throat and airways clear. Coughing is an action the body takes to get rid of burdens that are irritating the air passages. In the more advanced stages, it s marked by the symptom that gives the disease its name: a severe, hacking cough followed by a high-pitched intake of breath that sounds like whoop. Coughing can also be triggered by a bolus of...
how do you treat bronchitis
how does bronchitis spread
how does smoking affect bronchitis
how do you diagnose bronchitis
how do you prevent bronchitis
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New Parents
Learning that your new baby has Prader-Willi Syndrome (PWS) can be devastating. Being given a label that you've probably never heard of before can turn your world upside down in an instant. There are many questions you will want answers for, and the first will be "Why?" Some questions we can answer, and some, like "Why?" may always remain unanswered, but the first thing to remember is that this is still your beautiful baby who needs you now, more than ever.
No-one's fault
The second thing to remember is that it was not your fault, neither the mother, nor the father, nor was it anything you did during your pregnancy. There is, as yet, no known reason why it should be your baby, or anyone else's. Scientists can tell you that the developing embryo failed to pick up a piece of genetic material that would complete the 15th chromosome, but not why.
Perhaps you are the parents of an older child and have just been given the diagnosis of PWS in answer to all your years of not understanding why your son or your daughter has been different from your other children, or different from his or her peers. Going to the web can always provide answers, but most websites are blunt, to the point, factual, and nearly always list worst-case scenarios. In time, you will also want to know more of the facts and details, but for now you need to come to terms with the changes this diagnosis will bring to you, your family, your child, and your life.
Low muscle tone
Babies with PWS seem quite fragile, with low muscle tone and a weak cry, they seem to have come into the world unprepared for life. Low muscle tone is just part of the syndrome and is caused by a low amount of growth hormone in the system; this will improve in time, and there is a medical treatment to improve growth and muscle tone which your child may be eligible to receive in your country (Growth Hormone treatment). This low muscle tone is also the reason why your baby may need to be tube-fed as this is the best way to make sure he, or she, receives the nutrition needed. It may look a little frightening, but your baby won't mind, and having the milk delivered straight to the stomach means it is easier and less stressful. Tube-feeding will continue for some time after you have left the hospital with your baby.
Reaching milestones
As your baby grows and develops under the guidance of professional care and the love and nurturing of his or her family, there will be new challenges, but there will be nothing you and your child can't overcome together. Your child will reach his or her milestones, it may be a little later than other children, but they will learn to walk, talk, laugh and cry, just like everyone else. There probably will be some developmental delay, but there are excellent therapists, teachers, and professionals who can help and guide you. Your child may need extra support while at school, but that's ok too. Most students do well with reading, writing, computer studies, with some doing exceptionally well with fine motor skills (jig-saw puzzles, knitting, clay-modelling etc). Ok, so they might not have a career in the specialist field you had set your heart on, but they will achieve at their own level of competence. Be proud of them, encourage them, provide practical support.
PW characteristics aren't "bad behaviour"
As your child grows older, so you will start to notice many of the PWS characteristics including behavioural challenges, food-seeking, and others. These are the two main issues that will face them for life. They can not help this, but you can. Learning to differentiate between your child's own personality, and the characteristics of PWS is important. PWS characteristics can often cloud things, leading you to wonder whether your child is doing all these "bad" things 'on purpose. They're not. It is the syndrome that is driving this behaviour and it is the syndrome that is clouding the issue. Learning all you can - when you are ready - about PWS will stand you in good stead as your child's major advocate all of his or her life.
Gather your network together
You will need to gather around you a good network of professionals; opportunities for visiting occupational therapists, nutritionists, paediatricians, specialists, will be given to you - take advantage of everything to help you, your family, your child. IPWSO is also here to help you. We can put you in touch with other families in your country, send you information, counsel, advocate, or just talk things through. There will be times of despair, but there will also be times of great joy.
"PWS & The Younger Child"
This booklet has been written in collaboration with parents and professionals and describes what you might expect from newborn to toddler. Contact us for your free hard copy, or download the pdf here
Further information:
> Symptoms
Not found what you're looking for?
Get in touch and let us know how we can help you with any enquiry about Prader-Willi syndrome and how our organisation works.


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- 24 hour UK recovery and roadside breakdown assistance (operated by AXA Assistance)
A specialist team will help if you get stuck and recover you no matter how big your motorhome
Click to read more about our UK breakdown assistance cover.
- European breakdown cover
Extends our specialist motorhome recovery service including repatriation costs
Click to read more about our European motorhome breakdown cover .
- Emergency accommodation cover options
Fall back on up to £75 daily for a maximum of 15 days so you can continue your holiday – or pay to extend this up to £100 per day for up to 30 days.
- £100,000 motor legal expenses
This covers any motorhome or car owned by you. It can be used to fund legal proceedings to recover uninsured losses. Such as your excess, from the driver at fault, where you have greater than a 51% chance of compensation success.
- £20 million public liability cover
Protection from legal claims made against you or insured drivers for accidents, injuries or damage.
- £15,000 personal accident cover
A little peace of mind provided by a lump sum payment following a major accident.
- Awning storm damage
Both your motorhome and awning are covered should they be caught in a storm.
- Highly rated claims service based in the UK
Our experienced team of experts at RSA will take care of your claim and pay out any settlement.
- Comprehensive European cover up to 9 months option
Enjoy the freedom to take trips abroad be it a hop across the channel or a full tour of Europe.
Click to read list of countries covered
- Protected no claim discount option
Help to keep your premiums low even if you have to claim.
- £5,000 equipment and personal possessions cover
For portable items such as trailers, awnings, gas bottles, generators, TVs and clothing.
- New for old motorhome replacement (if owned from new and under 2 years old)
Get a brand new motorhome if yours is written off or stolen.
- £1,000 cover for keys and locks
Feel secure with replacement locks, keys and transmitters following theft.
- Flexible excess from £150
You can reduce your premium by increasing your excess.
- 14 day money back guarantee (subject to no claims)
Our plain English policy comes with the reassurance of a satisfaction guarantee.
Plus, for every paperless policy we provide, we will donate £1 to our chosen charity - Heart Research UK.
This website provides a brief summary of the policy cover and options that are available to you. Your schedule will confirm cover features and levels applying. Benefits and discounts are subject to change and are subject to terms and conditions, cover level and underwriting criteria. Minimum premiums apply.
For more information about our motorhome insurance policy, you can download a specimen policy wording or policy summary from our policy documents section. Minimum premiums apply.
I'm with Caravan Guard because...
"Excellent European Breakdown Service"
In 2014 we broke down on a mountainside in Spain. A phone call to Caravan Guard led to recovery on a low loader the 120kms to Malaga. We were provided with a hotel room with B&B for the week it took for a repair to be effected. This enabled us to get to know the Malaga area and enjoy our waiting time.
We are appreciative of the excellent service provided through Caravan Guard. During our many years of insurance cover by them, it is always 'service with a smile' – Well, it sounds that way when talking with them on the phone!RamblingRoses, Review Centre
Our guide to motorhome insurance
Why do I need specialist cover?
Motorhome and campervan insurance is a legal requirement just like car insurance or van insurance. However, the cover needed is very different because of the way you use your motorhome or campervan, and the amount of equipment and facilities it contains.
What are the key things to look for when choosing a policy?
- Only pay for the cover you need. We let you choose whether to include European cover, and calculate premiums based on your annual mileage - so if you don't go abroad, or only drive a few thousand miles a year, you can make sure you are only paying for the insurance cover you need.
- Make sure you get all the discounts you deserve. Security devices such as Pro-Active tracking devices, alarm systems and immobilisers will earn you big insurance discounts with us. Simple steps such as storage behind 24 hour locked gates, fitting a reversing camera, or joining a motorhoming club will also drive down your premium.
- UK motorhome breakdown cover is automatically included with our policy and European insurance (EU Cover) and breakdown cover is available as an optional extra. Some breakdown services have size or weight restriction. Our breakdown cover doesn't have any limits on the size or weight of the vehicle and so is suitable for differenet types of motorhome, large or small.
- 'New for old' cover is offered on motorhomes up to 2 years old (subject to you owning it from new). This means that if the motorhome or campervan is stolen or damaged beyond economic repair you will be given a brand new motorhome of the same or nearest equivalent model. 'market value' cover means that you will be given a cash sum which represents the lost motorhome's current 'market value' in such a total loss situation.
- Make sure the policy is with a reputable insurer. Our motorhome policy is underwritten by Royal & Sun Alliance Insurance plc (RSA), one of the UK's leading insurers.
Award winning
Get friendly expert advice from our Yorkshire based team. Our award winning training programme for advisers ensures you receive great customer service.
Our claimants rate our overall claims service 9.1/10 on average*
The simplest site to use and the cheapest quote by far - I got much more for my money!Mr Cadby, Wiltshire
- Plain English policy
- Confidence in a trusted family business
Number 1 for service and value
- Safe and Secure online quotes
- Member of the National Caravan Council
Quick links
More reasons to choose us
Rated Excellent by customers
Number one for service and value
Reassuringly good cover from a leading insurer
Award winning company
Safe and secure online quotes
Confidence in a trusted family business
Highly rated claims service
Money back guarantee
Member of the National Caravan Council
Heart Research donation for every paperless policy
Plain English policy and documents
Great value for money


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Facebook for Android: Better, Harder, Faster, Stronger
Apple-loving Facebook users have had it nice for a while. After a massive update back in August, the iOS app saw huge improvements in speed and quality. Basically, Facebook's mobile app came with a whole lot less awful.
On Thursday, the other side of the smartphone-loving world won't feel so left out.
Facebook will update its Android smartphone app on Thursday afternoon, drastically increasing the speed and performance to twice what it was before.
As you've probably noticed over the past two years, Facebook on both Android and iOS has been terribly slow. Part of the reason for that included a company-wide bet on using HTML5 under the hood, a Web-centric philosophy that many in the tech industry profess to be the future of the Internet.
Problem is, most would agree that HTML5 just isn't there yet. Using "native" code, or code used specifically for iOS and Android programming, developers are able to create better, more responsive applications. It's a difficult concept to grasp until you feel the difference between an HTML5-based app and a native version of the same.
The other problem: There are far more Android devices out there than iOS ones. Configuring the app to work across all of them was no easy feat.
"There's a combinatorial explosion of Android devices, base operating systems, carrier customizations and other things that play into this," Mike Shaver, Facebook mobile engineering director, told me this morning. "But that also means its a broad opportunity to improve Facebook's global reach."
So, like its iOS counterpart, Facebook built the new Android app from the ground up again, this time using native Android code. Among the improvements, you'll notice the app launch faster, and photos and News Feed will move speedier than before.
Sort of important, considering the speediness we see on other, very mobile-focused apps like Twitter. Not to mention the mass migration of desktop users to Facebook's mobile devices. If you're trying to serve more mobile ads across smartphones and tablets, you probably want a fast-moving application to carry it out. A sluggish app is, ultimately, an unused app.
Just in time, too. It's the busiest advertising time of the year, as companies the world around are burning through the remainder of their ad budgets as Q4 comes to an end. Probably nice to have a speedier version of Facebook to deliver those ads.
But let's not reduce everything down to monetization. Facebook just needs to create good, fast-moving apps — period. You want your users to stay in the site, and for that you need every access point to work well. (Plus, it must have been hard to say you're a Facebook mobile engineer back when the app was terribly slow. These folks take pride in their products, so I'd imagine they'd want to put out performance parity with the rest of the industry.)
Expect the new version of the app to roll out in the Google Play store this afternoon.


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