Wednesday, October 10, 2012

Day 9: Organize Tall and Skinny Kitchen Cabinets : Pancakes and ...

Posted by Jules on Tuesday, October 9, 2012 ? 10 Comments?

We have tall and skinny cabinets on either side of our oven. When we had the cabinets installed, the installers asked me how I wanted the shelves positioned. I told them to space them evenly because I had no idea what I would store inside. Eventually, I used the one on the right to store aluminum foil, cling wrap, and gallon size plastic bags.

About week ago, as I was getting some foil to wrap up leftovers, I took a look at the cabinets and realized I had a lot of dead space causing unnecessary mess. It took me brainstorming different gizmos at The Container Store, Target, and other home improvement stores to realize the obvious: I could lower the shelves and store short things on the bottom and tall things on top. You won?t believe the contraptions and whirly-gigs I imagined for those cabinets prior to this revelation.

This is what I had in the right cabinet. At some point in the last seven years, I decided to store more than foil and cling wrap. I tossed the Target bags (?), but kept the mandoline, silpats, and 397 bamboo skewers.

You can see where I?m going here. I thought this job would be straight forward, but the shelves are attached with these plastic alligator-like clips you have to press to release. I had to press both clips on one side and then thwack the shelf up and loose on that same side. That?s fine (not really, it sucked), but these cabinets are deep and I have the arm span of a Tyrannosaurus Rex. Getting the shelves out involved tippy-toes on a step ladder, a butter knife, and the equivalent of giving a cabinet the Heimlich.

It was worth the effort, thank goodness.

I ended up devoting most of the cabinet to food storage. That big stack of paper bags has been in our laundry room since last year. I bought a small case of them at Sam?s Club for $6 and use them as snack bags for soccer and baseball games, school parties, etc. The top shelf holds my mandoline and bamboo skewers. They?re sharp, somewhat dangerous, and I feel better with them out of the way. I stole a shelf from the left cabinet to make that happen.

The left cabinet became a catch-all since I never established its purpose. It held appliance manuals and instructions (I knew where to put those!),? random DIY supplies (I knew where to put them, too!), and a few miscellaneous items, like kitchen mitts. I tossed the mitts in a drawer I will later organize.

Now that I reduced the cabinet to two shelves, I was able to store my small platters on the bottom shelf (I use those often) and my muffin pans and spice grinder on the top shelf (I use those rarely).

I so happy with the way it turned out.

New here? For the next 31 days I?m living according to the famous William Morris quote, ?Have nothing in your houses that you do not know to be useful or believe to be beautiful.? You can learn more about the project here, and catch sneak peeks of my projects by following me on Facebook, Twitter, or Instagram (I?m @pancakesfries).

Source: http://pancakesandfrenchfries.com/2012/10/day-9-organize-tall-and-skinny-and-skinny-kitchen-cabinet/

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PATHFINDER Paizo Blog: Pathfinder Society Survival 101 - EN World

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Paizo Blog: Pathfinder Society Survival 101


One of the concerns I have heard pop up lately, both on the messageboards and at shows, is that Pathfinder Society scenarios have become more deadly. I've heard horror stories about TPKs on the rise in various regions of the world. Let's see if we can help combat some of that and help the new player, or the low-level character of a veteran, with some options that may just prove useful.

Read this article at the Paizo blog.

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Source: http://www.enworld.org/forum/news/330257-paizo-blog-pathfinder-society-survival-101-a.html

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Tuesday, October 9, 2012

Common Estate Planning Tools Used by Estate Planning Attorneys ...

Estate Planning refers to the subject of law dedicated to maximizing the amount of wealth that you transfer to your surviving beneficiaries. There are many tools that a good estate planning attorney has on hand in order to maximize the transfer. There are six common goals of estate planning: 1) Avoid Probate; 2) Avoid Creditors; 3) Avoid Taxes; 4) Retain Control; 5) Retain Economic Benefit; 6) Retain Flexibility. A perfect estate planning tool would accomplish all six of these goals, but there is no such tool. However, an estate planning attorney can use several tools in order to maximize the liklihood you?will achieve the goals you want. Here are some common ways to achieve those goals:

Life Insurance ? Life insurance with a designated beneficiary will pass non-probate. Your creditors will not be allowed to garnish the proceeds. There is no income tax on life insurance proceeds, but there might be an estate tax depending on the situation. Obviously, there is no economic benefit to the deceased. If you retain any control over the life insurance (like the ability to change the?beneficiary) then the proceeds might be subject to an estate tax. If you give up all incidents of ownership, then there will be no federal estate tax on the proceeds.

Irrevocable Trust ? An irrevocable trust is a transfer of property which results in the settlor (the creator of the trust) having no control over the property after its creation. In other words, you cannot change beneficiaries or revoke an irrevocable trust, you might be able to retain legal title for the benefit of someone else. This will avoid your creditors, but might still be subject to taxes, including the gift tax. These are used only in very specific situations (like right before you open a very risky business that has a high probability of failure/liability).

Revocable Trust ? Revocable trusts are popular because there is no current transfer of property. You create a trust which can be completely changed or revoked at any time. This is not shielded from creditors, and is subject to income tax while you are alive and estate tax after your passing. The biggest benefit to this tool is to avoid probate; which is not a huge advantage in Utah. A revocable trust must be accompanied by a pour-over will, and should also have a durable power of attorney (for a separate reason not discussed here). You will need to fund the revocable trust which can be an expensive procedure, but also something that an attorney can show you how to do and you can do it, saving money.

Simple Will ? A simple will does not avoid creditors, taxes, or probate. But, they are cheap, and you retain full control of your property. A will allows you to appoint an executor who will have a duty to ensure that your intent is carried out. Furthermore, it allows you to make it clear to surviving generations what you want to happen.

Retirement Plan ? Most retirement plans are governed by ERISA, a part of federal law. Retirement plans are shielded from creditors, but you will likely have a hefty deferred tax on all those earnings. Because ERISA governs the retirement plan, you are limited as to the control you have over the property in the plan. For example, if you are married, your spouse must be the only beneficiary unless he/she signs a waiver.

An estate planning attorney will be able to use these tools to accomplish the goals you are striving for. In most cases, more than one tool will be needed to meet a client?s expectations. Although these tools are the most common, there are many estate planning tools not included here. An estate planning attorney in Salt Lake City will help guide you through the use of these tools and make a plan that is affordable to you. In all cases, you should have a pretty good idea about the price and what will be done? before you retain the attorney.

Source: http://www.carrlawutah.com/common-estate-planning-tools-used-by-estate-planning-attorneys-in-salt-lake-city/

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Monday, October 8, 2012

Military studies if fish oil can cut suicide risk suicides

By Bill Briggs, NBC News contributor

The Department of Defense is hoping that two new weapons ? big money and little oil ? can curb the rising military suicide rate.

A three-year, $10 million study, to be funded by the Department of Defense and?conducted at the Medical University of South Carolina, will test whether omega-3 fatty acids found in fish oils can relieve the anxieties and quiet the suicidal thoughts plaguing many combat veterans, one of the lead researchers said Monday.


Scientists at the National Institutes of Health have long maintained?that a diet heavy in omega-3 ? common in salmon, anchovies and other oily fish ? can elevate happiness.

?The problem is coming to a head with the recognition that in the military, you?re more likely to die by suicide than by enemy combatant ? and that?s not acceptable,? said Dr. Ron Acierno, a co-investigator on the project and a professor in the department of psychiatry at the Medical University of South Carolina in Charleston, S.C.

?Omega-3s are among the primary fatty acids in the brain. They cannot be synthesized by the body ? which means they have to be eaten (via food, drink or pill form). They?re responsible for neural generation and neural repair ? for new neurons to be made and for broken ones to be fixed,? added Acierno, who also serves as the director of the PTSD clinical team at the Ralph H. Johnson VA Medical Center in Charleston.

The participants are veterans or service members who have been referred to a VA mental health treatment program because they are having suicidal thoughts. If the patients agree to join the study, they will be secretly placed in one of two groups. One segment will drink juice-box-sized smoothies high in omega-3. The second will drink placebos.

?Anybody who is showing suicidal ideation is going to be referred for the standard mental health treatment at the VA here in Charleston, which is a best practices site, so the standard treatment here is pretty good,? Acierno said. That means, he added, that military folks in the placebo group will not receive inadequate care.?

Watch the most-viewed videos on NBCNews.com

For those former and current service members who receive the omega-3-laced smoothies, they?ll be asked to gulp one in the morning and another at night. All of the study participants then will be tracked over time as researchers interview them and measure, via a scoring system, their suicidal thoughts and intentions ? whether they have formed a plan to take their own lives ? along with their anxiety levels and cognitive-processing abilities, Acierno said. Any actual attempts by the participants to harm themselves will be immediately treated but that bahavior will become part of the study?s data.

In addition to medical literature accounts that show omega-3 can buoy mental health, the study team is ?excited? about the prospects of fish oil serving as something of a solution, Acierno said, because the product carries an ?extremely low risk? for side effects. It's also relatively cheap ? costing between $12 and $35 retail.

At Target, for example, a bottle of Nature Made Ultra Omega-3 Fish Oil, priced at $11.89, holds 45 softgel pills each containing 1,400 milligrams. Target also sells $44.99 boxes of?Coromega orange-flavored squeeze packets that each contain 650 milligrams of omega-3, derived from pharmaceutical-grade fish oil.?

?The potential good versus the potential extraordinarily low risk and low cost make this a type of intervention that can be ? if findings are warranted ? rolled out extremely fast and on a large scale,? Acierno said.

Bonnie Carroll, a?leading expert in military suicides and?founder and president of the Tragedy Assistance Program for Survivors (TAPS), ?said?she has not read or heard about omega-3 as a possible medicinal tool in treating depression or post-traumatic stress.?

"We are very open-minded on any techniques that might be useful," said Carroll, whose organization provides peer-based emotional support for families affected by the death of a loved one serving in the U.S. military. She also was co-chair of the DOD Task Force on the Prevention of Suicide in the Armed Forces.?

Omega-3 has been on under the microscope for more than a year as experts have tried to dissect the high number of military suicides. In August 2011, a study published in the Journal of Clinical Psychiatry?suggested that certain fish oil components had potent psychiatric benefits and suggested that taking an omega-3 supplement might help service members. That research, performed in part by the?Uniformed Services University of Health Sciences, scanned through the?medical records of 800 U.S. service members who took their own lives between 2002 and 2008, comparing those against the health files of 800 active-duty personnel who had not attempted suicide. The scientists found that service members with higher blood amounts of?docosahexaenoic acid - an omega-3 fatty acid - were less likely to take their own lives.

Should veterans who have considered suicide begin swallowing omega-3 pills on their own now?

?Buying the omega-3s and taking them is not going to be a problem,? Acierno said. ?However, if they do have these types of thoughts or feelings, remember that even the people in this study ? even those who are on the placebo ? are getting mental health care.

?So we never want to say this is a replacement for evidence-based mental health care," he added. ?This is a supplement and one that is easily added. It?s also important that you get the care you need.??

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Source: http://usnews.nbcnews.com/_news/2012/10/08/14299261-military-suicides-defense-officials-spending-10-million-to-learn-if-fish-oil-can-help?lite

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