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Lenox Holly Damask 60-by-104-Inch Tablecloth

Cyber Monday is a day where you can shop online, free of shoppers angst and at the same time receive some of the best prices on all kinds of items. Many online stores will also offer free shipping on Cyber Monday. There are deals to be had, so get shopping! Online, that is.

Don’t know where to start?

Click here to find the best bargains online

What is Scrapbooking and Where Did it Come From?

With the advent of affordable paper, precursors to modern scrapbooks became available to a wider array of people. Beginning in the 15th century, commonplace books, popular in England, emerged as a way to compile information that included recipes, quotes, letters, poems and more. Each commonplace book was unique to its creator’s particular interests. Friendship albums became popular in the 16th century. These albums were used much like modern day yearbooks, where friends or patrons would enter their names, titles and short texts or illustrations at the request of the album’s owner. These albums were often created as souvenirs of European tours and would contain local memorabilia including coats of arms or works of art commissioned by local artisans. Starting in 1570, it became fashionable to incorporate colored plates depicting popular scenes such as Venetian costumes or Carnival scenes. These provided affordable options as compared to original works and, as such, these plates were not sold to commemorate or document a specific event but specifically as embellishments for albums. In 1775, James Granger published a history of England with several blank pages at the end of the book. The pages were designed to allow the book’s owner to personalize the book with his own memorabilia. The practice of leaving pages to personalize at the end of books became known as Grangerizing. Additionally, friendship albums and school yearbooks afforded girls in the 18th and 19th centuries an outlet through which to share their literary skills, and allowed girls an opportunity to document their own personalized historical record previously not readily available to them.

The advent of modern photography began with the first permanent photograph created by Joseph Nicéphore Niépce in 1826. Photography became available to an ever-widening population with the invention of George Eastman’s paper photographs in the late 1880s and the mass production of the Kodak Brownie, a camera designed to be simple (and inexpensive) enough for a child, in 1900. This allowed the average person to begin to incorporate photographs into their scrapbooks.

Old scrapbooks tended to have photos mounted with photomount corners and perhaps notations of who was in a photo or where and when it was taken. They often included bits of memorabilia like newspaper clippings, letters, etc. With the availability of printed material it is likely that the content of scrapbooks shifted away from one’s own hand-writing or drawings or those of one’s family members toward commercially available printed mat ephemera, memorabilia collections and journaling. Modern scrapbooking has evolved into creating attractive displays of photos, text, journaling and memorabilia.

Modern Day Scrapbooking

Marielen Christensen of Spanish Fork, Utah is often credited with reviving interest in scrapbooking in the United States. She began designing creative pages for her family’s photo memories, inserting the completed pages into sheet protectors collected in 3-ring binders. By 1980, she had assembled over fifty volumes and was invited to display them at the World Conference on Records in Salt Lake City. Marielen and her husband AJ authored and published a how-to book, Keeping Memories Alive, and opened a scrapbook store in 1981 that remains open today.

In addition to preserving memories, the hobby is popular for the strong social network that scrapbooking can provide. Hobbyists, known as “scrappers” or “scrapbookers,” get together and scrapbook at each other’s homes, local scrapbook stores, scrapbooking conventions, retreat centers, and even on cruises. The attendees share tips and ideas as well as enjoying a social outlet. The term “crop,” a reference to cropping or trimming printed photographs, was coined to describe these events. In the late 1990s, many scrappers in the US opened stores to turn their hobby into a business.[citation needed] Within approximately 5 years, many of those stores were forced to close due to a downturn in the economy and the fact that many store owners mistakenly assumed that loving to scrap was enough to run a retail store.[citation needed] Many owners simply didn’t know how to run their stores. During this time, more multi-level direct sales companies were formed. Several were closed due to mismanagement, while others weathered the tough times. It also gave rise to a new breed of business – the home-based retailer. Companies arrived to provide information for individuals who wanted to break out of the direct sales mold and go out on their own. While vendors had traditionally stayed away from the home-based market due to fraud, they began to warm to the idea of the non-traditional sales channels as a way to get their products in front of more consumers through home parties and workshops. Working with a company like this enabled them to tap into legitimate home-based retailers.

The scrapbooking industry doubled in size between 2001 and 2004 to $2.5 billion with over 1,600 companies creating scrapbooking products by 2003. Creative Memories, a home-based retailer of scrapbooking supplies founded in 1987, saw $425 million in retail sales in 2004. In the US, this hobby has surpassed golf in popularity: one in four households has someone playing golf; one in three has someone involved in scrapbooking.

Shop for Scrapbook Materials by clicking here: Scrapbooking

“Out of the thousands of new releases that came into our cubicles this year, we’ve chosen our 100 favorites, from an elegant pop-up alphabet and a deliciously dishy guide to fragance to an enthralling biography of an iconic leader and an encyclopedic history of a sport and the world that plays it. Here they are, so click below.”

Best Books of 2008

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The Audacity of Hope: Thoughts on Reclaiming the American Dream

It’s funny how most of the world wants Obama to win, but that doesn’t necessarily mean that American wants him to win. It seems the educated, rational and hopeful people of the world who would vote for Obama if they could, are far from sharing the same sentiments as middle America.

If people had a sense of reason, and could just put their partisan role aside, the obvious person who will turn the U.S. around (from its horrible and colossal downward spiral), would be Obama.

He would not only be good for America, but he’d make the world a better place.

The Audacity of Hope: Thoughts on Reclaiming the American Dream

These skis feature the world’s first on-board power adjustment system. Want to lay it all on the line on the groomers? Turn the Power Switch to the on position. A carbon fiber rod compresses internal springs toward the front of the ski, which gives the Tigershark more power. Leave the switch off for cruising or the occasional tree run. Extended Double Grip construction lends this ski amazing edge hold, while the Tigershark’s iPT 14.0 TS Binding allows for a smooth, natural flex and precise transmission from skier input to the snow. Two layers of titanium make this all-mountain Volkl ski appropriate for advanced all-mountain skiers who Mach down the groom and enjoy the occasional off-piste foray.

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“1. “Our branches are there to sell you, not serve you.”
In the late 1990s bank branches were considered outmoded relics soon to be replaced by ATMs and Internet banking. But just the opposite happened: In 1998 there were 89,000 bank branches in the U.S.; by 2007 there were 97,000. Why? The industry realized consumer banking was profitable and that despite the predictions of Silicon Valley wonks, the main criterion consumers use in choosing a bank is proximity, says SNL Financial analyst Jennifer Payne.

But branches aren’t just about convenience; they’re a bank’s primary sales floor. Brochures for services as varied as retirement accounts and home loans are on display, and everyone from the teller on up is trained to make a sale. That’s because in the current low-interest-rate climate, it’s harder to generate revenue from interest alone. Many players in the industry have been trying to boost fee- and service-based income, so if a teller sees you have a mortgage, he might suggest you meet with a loan officer to discuss a home-equity loan. Says Greg McBride, a senior financial analyst at Bankrate.com, “The more products a customer has with a bank, the more likely he is to stay with that bank.”

2. “Our fees will only go up.”
With the economy slowing and big losses looming in the mortgage market, banks are looking for reliable revenue streams. Hence punitive fees — for overdrawing your account, say, or using a competitor’s ATM — are increasing. The average ATM service charge doubled between 1998 and 2007, and overdraft fees brought in $17.5 billion in revenue in 2006, up from $10.3 billion in 2004, according to the Center for Responsible Lending. Rubecca Hegarty, a married mother of three in Woodridge, Ill., says she often pays upwards of $100 a month in overdraft fees to Chase, since, like most banks, it changes the order of purchases so that large debts get paid first — increasing the likelihood of incurring fees on smaller purchases. JPMorgan Chase says it does this because big payments like a mortgage are more important to consumers, so they get priority.

Revenue from penalties can be addictive for banks, says Harvard Business School Professor Gail McGovern, but “they’re going to face problems from angry customers, which leads to big call-center bills, employee dissatisfaction and turnover.”

3. “We change our interest rates all the time.”
Regardless of what your credit card agreement says, you can never be sure how much interest banks will charge you. For example, nearly all cards have a default rate — as high as 30 percent — which banks apply when you’ve done something wrong, usually after two late payments in 12 months. But some banks have cut that to one, says Curtis Arnold, founder of CardRatings.com.
Banks can also change the terms of your agreement, raising rates when they like (though you can opt out and pay off the balance at the old rate as long as you never use the card again). Bank of America did that recently, upping many cardholders’ rates from 10 or 12 percent to 27 percent or more, even though they’d done nothing wrong. “There’s no clarity on what criteria can lead a bank to raise interest rates,” says Robert Manning, director of the Center for Consumer Financial Services at the Rochester Institute of Technology. “It’s a black box.” A Bank of America spokesperson says the company periodically reviews the credit risk of its accounts and adjusts rates accordingly, adding that in the past year 94 percent have had no increase.

4. “College campuses are a gold mine for us.”
Students are the customers of the future, and banks are increasingly courting them, sometimes right on campus. More than 120 universities have cut deals with banks to issue student-ID cards that are also ATM and check cards. Schools can make millions from these deals, sometimes even taking a small cut of individual purchases.

tudents are also a hot market for credit card issuers; banks will make private deals with alumni associations to get contact info for students, parents and even ticket buyers to university athletic events. Card companies cut deals to set up booths on campus, and Chase even inked a deal with Facebook to display ads and set up a Chase group on its Web site.

The problem? Mounting credit card debt among college kids, for one. “Universities don’t negotiate on behalf of students,” says Manning. “They’re negotiating the best deal for the university.” A spokesperson for the National Association of Independent Colleges and Universities says don’t blame schools — banks would market to students anyway, and universities at least try to get the best rates they can for students.

5. “In debt? The courts won’t help.”
Since the late 1990s banks have been including mandatory arbitration agreements in their contracts for many of their products, including auto loans, checking accounts, home-equity loans and credit cards. Such agreements prohibit you from suing and instead require you to use an arbitrator — someone picked by the arbitration firm named in your credit card contract to hear the dispute and decide the outcome.

While these clauses were originally designed to thwart class-action suits, the banks have also been using them for debt collection, says Paul Bland, anattorney with consumer-advocacy group Public Justice. There are even times when consumers, often victims of identity theft and unaware of the debt, aren’t present when awards are handed down against them.

A recent suit against an arbitration firm brought by the San Francisco city attorney noted that arbitrators ruled in favor of banks in 100 percent of the 18,045 California cases brought against consumers from January 2003 through March 2007. “From the consumer perspective, it’s a nightmare,” says Bland. If a bank brings arbitration against you, hire a lawyer and request a hearing — in person…..” Read the rest

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It’s never too late to start a garden even though we are getting ready for fall. What am I talking about, you ask? Grow food indoors. Why not? If you have a spare room, or better yet a basement, you can grow many things indoors. How?

Get a Turbo Grow Room or a 36 Plant Dual Chamber Hydroponic Grow Cabinet!

These allow you to easily grow vegetables and herbs indoors. The latter looks like a regular cabinet so you can even put it in your living room. No one would even know there are living plants inside the cabinet. Closed, that is!

“The 7,802 adverse events reported to VAERS for Gardasil include 15 deaths and 31 reports of Guillain-Barre syndrome, a potentially paralyzing, life-threatening condition in which the body’s immune system attacks part of the nervous system…” Read the rest

Make sure to also read about Jessica Ericzon, 17 years old : My Girl died as a guinea pig for Gardasil

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Click here for more info and to see a photo of the tent.

C’mon. Plastic is the cheapest looking crap ever. Get wicker or wood. Make sure you take proper care of those so they last.

This outdoor wood patio set is on sale!

The 24-Hour Pharmacist- is the perfect pill for anyone seeking enlightenment on overall health from a resource that is thorough and fun to read. With chapter titles such as “Frazzled, Frustrated and Freaked Out: Coping with Anxiety and Stress” to “More Jiggle, Less Joint Pain: What You Can Do About Arthritis” you get the sense that the author well knows what course to recommend but also truly enjoys educating others. One feature I found especially enlightening were the sections in each chapter entitled “Suzy’s Secrets From Behind The Counter”. Here is where she (Suzy) offers great little insights to live by with a perspective that only a pharmacist can give. One good example of this is in the chapter about weight loss where she explains that some drugs can make you hungry. Included in her list are sedatives and tranquilizers, antidepressants, allergy pills, female hormones and diuretics. Wow, who knew?

Read more about it here: The 24-Hour Pharmacist

Don’t worry about making your own. It’s not like you have to get out and churn some cream eight million times or something that you just don’t have time for or don’t have the energy to do. With the Cuisinart Supreme Commercial Quality Ice Cream Maker, it’s faster and easier than ever to treat friends and family to rich and creamy gourmet ice cream. The Cuisinart Supreme Commercial Quality Ice Cream Maker has a built-in compressor-freezer, so there’s no bowl to pre-freeze. That means frozen desserts are ready to enjoy sooner. Processes batch after batch of scrumptious ice cream, fruity sorbet, silky smooth frozen yogurt, and even your favorite ice summer drinks. Just add the ingredients and turn it on. No pre-chill or freezing bowls required. Fully automatic 60-minute timer. 1 1/2 quart capacity. Click here for details

Even if you eat dry cereals from a health food store or even an organic store, the way cereal is made is identical to commercial brands, and you will be better off knowing about this. You see, the process of creating cereals is called “extrusion.” The manufacturers first make a sort of mush of the grains. They then put that through an Extruder. The slurry or mush is forced out of little holes at extremely high temperatures, which gives shape to the individual pieces of cereal, whether they are woven squares, o’s, sticks, shreds, flakes, nuggets, round puffs (puffed rice or corn puffs), etc. A sharp blade cuts off each flake or cereal piece. Then all pieces are sprayed down with oil and corn syrup to make them crunchy and sweet.

You can read all about the process in Fighting the Food Giants by Paul Stitt. In his book, he describes how the process of extrusion completely destroys nearly all of the nutrients in the grains. It destroys the fortified vitamins they add (why add them, you ask?). The fatty acids are also destroyed and whatever amino acids were inside, well, they become toxic in this extrusion process. It is utterly insane unless you are a greedy, capitalistic cereal manufacturer that only cares about making money at the expense of the public’s health.

Are you eating these boxed, dry cereals? Are your kids? Well, cut it out! You and your kids should be informed and should be eating healthy meals to avoid any kinds of diseases and cancers that are caused by toxic ingredients. To become more informed read Paul Stitt’s book. Click the link below.

Fighting the Food Giants

“A lot of Americans think they’re eating a healthy diet these days. But it’s easy to be fooled by our assumptions and the ways that food manufacturers play on them.

Take chicken. The average American eats about 90 pounds of it a year, more than twice as much as in the 1970s, part of the switch to lower-fat, lower-cholesterol meat proteins. But roughly one-third of the fresh chicken sold in the U.S. is “plumped” with water, salt and sometimes a seaweed extract called carrageenan that helps it retain the added water. The U.S. Department of Agriculture says chicken processed this way can still be labeled “all natural” or “100% natural” because those are all natural ingredients, even though they aren’t naturally found in chicken.

Producers must mention the added ingredients on the package — but the lettering can be small: just one-third the size of the largest letter in the product’s name. If you’re trying to watch your sodium to cut your risk of high blood pressure, heart attack and stroke, it pays to check the Nutrition Facts label. Untreated chicken has about 45 to 60 mgs of sodium per four-ounce serving. So-called enhanced or “plumped” chicken has between 200 and 400 mgs of sodium per serving, almost as much as a serving of fast-food french fries.

Adding salt water became widespread when big discount stores began selling groceries and wanted to sell chicken at uniform weights and prices. Plumping packaged chicken helps even out the weight. But that means consumers are paying for added salt water at chicken prices — an estimated $2 billion worth every year, according to the Truthful Labeling Coalition, a group of chicken producers that don’t enhance their products….”

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