spanky.... Lots of good ideas here. I like the idea of pricing my current coverage. Let's see what is it I dislike about our current agent...they have an answering machine and they're not afraid to use it [g]; the last time I left a voicemail, I did not receive a call back; last claim we made, I had to work it out myself with the insurance company, the agent was useless; they gave me the wrong information in a potential claim situation once; and they never review our policies or update us at all or call even once a year to check on us. We end up just renewing because our attention is elsewhere and because we haven't any confidence in the agent anyway. spanky...why does carrying a high liability keep the suit birds away? You don't mean it would discourage suits, you just mean it will cover you if someone sues you, right? I thought that might be the case with flood insurance. I am not in a flood zone. The last time we had serious rain, there were areas in my state that had overflowing riverbanks and towns that were flooded, but none of it effected us in the slightest. What about if you get flooded from an accident of some kind? Like a burst pipe from workmen in the street? Burst pipes in the house are covered, right? We aren't in an earthquake area either, so what if we had a freak earthquake? These days, to my way of thinking, you could get any kind of disturbance anywhere. Could we lose our house? We would still have our land, but we could put up a tent, right? [g] Hurricanes we do get. We are on the East Coast and have lived through many of them. Our house was built in the 1950s and never had damage from one though. When you say 'special hurricane deductible' ...so I would have one deductible for everything else covered by the policy, but a hurricane would be an exception and would be higher, as in a percentage of the total damage the insurance company paid us? I'll have to look into umbrella coverage. Sounds familiar. Very helpful..thank you very much. :-) pm2

Yup, I've made these, called . Thanks to Lee for the plate! I make mine simple - I use the vermicelli also, and a protein (usualy cooked chicken), but for the veggie filling I use broccoli slaw from the bag (ducking and running for cover). I also love, love love an Asian aromatic leaf called 'shiso', 'asashiso', or perilla. Kinda like basil or cilantro. You can see the perilla leaf in the middle roll. For a dipping sauce I use hoisin with a squirt of sriracha. Also, I think 2-3 minutes is too much - I take a bowl of warm water, and dunk the wrapper in, rotating quickly, until it feels soft enough to handle without cracking. If it gets too wet it can tear, and you fix that by just rolling it up in another wrapper! I use plates to wrap them on - I think they would stick to a towel. No lettuce leaves for me either, but that does sound like a nice touch. Enjoy, I love these during the summer!

Hi biwako - I have been a vegetarian for 16+ years. Back then it was very hard to find good veggie food. Now days the possibilities are endless. IÂm not very familiar with tempeh. I do like tofu when itÂs fried. I like standard recipes like tacos, chili, chicken dishes, meatloaf, etc. I just donÂt like the idea of eating meat. We are now able to buy soy based "chicken, steak strips, ground beef, turkey, shrimp, BBQ ribs, hot dogs, bacon, sausage" and more. Were we live in CA all of these meat substitutes are available at all regular grocery stores in the freezer section. Morning Star Farms makes most of what I mentioned. Gardenburger now makes more than just patties. I donÂt want to sound like a walking billboard, but if anyone is trying to eat less meat, but still wants to eat their favorite recipes, I suggest giving these substitutes a try. The taste and texture is practically identical to the real thing. DH is not a vegetarian, and likes them all. Will you please send me the tempeh directions? IÂd like to try it. Thanks. Nina

Here is a clipping I saved on how to make valances. Hope it is kosher to re-post someone elses' post, but these instructions were just too good to not share. posted by: my3dogs on 07.17.2008 at 08:01 pm in Home Decorating Forum Hi everyone! Here are the directions for the valances that you saw in the post linked below. They ARE EASY - but the directions are long, because I am trying to give you enough detail, even if you are a beginner. Read them all the way through so you understand them, and ask any questions you may have. If you are a real novice, you may want to make a sample using just muslin, or other inexpensive fabric, til you get the hang of it. This is a no-pattern valance that I started making last summer. It requires just straight stitching. My windows are generally about 50" (more or less)in height. If your windows are very short or very tall, you may want to vary the length of the fabric you use. I would say to err on the 'buy more' side though, so they don't look skimpy. The fullness adds richness. I generally use 1 1/4 yards of 54" wide home dec fabric to make the valance. You will need an equal amount of lining fabric. If you choose to put trim on the bottom (it adds a lot to the treatment, IMO) buy 1 1/2 yards of trim to make sure you have enough to go across the length of your 54" wide fabric. If your fabric is wider than 54", buy enough trim to cover its width. Cut your valance fabric and lining to equal lengths. I always measure the side edges of my fabric and mark the length before cutting. It may have not been cut straight at the store, and you want to be sure that your left side is the same length as your right side. Pin the two rectangles of fabric together on all sides, with the RIGHT (front) sides of the fabrics inside, facing each other. Before putting the fabrics together, I mark lightly on the back which is the TOP of the print (if using a print) and which is the bottom, so your print will end up right side up! Depending on the type of rod you plan to use for the valance, you need to leave openings on each side that will become your rod pocket. Continental rods (the flat wide plain ones) need a 4" rod pocket. If you use a decorative rod, with finals on the end that screw off, I would recommend making your rod pocket 2" wide. For a small tension rod, I'd make the rod pocket 1.5" wide. You don't want to force your fabric onto the rod - allow room to make it easy for you. Measure down from the TOP of your pinned together fabric, and make a light mark with pencil on each side, the size of your chosen rod pocket, plus 1/2". That 1/2" is going to be the width of your top seam. You'll be making a mark on the left and right sides 4 1/2" down from the top if you use a Continental rod, for example. Stitch from these marks down each side to the bottom, using a 1/2" seam. You'll need to leave an opening in the top or bottom to turn your valance inside out when you're done stitching. I'd suggest a 4" - 6" opening for turning. If your rod pocket openings are 4", you don't need to leave another opening, you can use them to turn it inside out. Mark the opening you need to leave, then stitch across the top and bottom edges, using a 1/2" seam, leaving your opening...well...OPEN! Clip your fabric corners off OUTSIDE of your stitching. This is just a small triangle of fabric from each corner. This will allow you to get nice sharp edges on your corners when your turn the valance right side out, as it reduces the bulk of fabric there. Turn your valance right side out, pulling it through the opening you left. I use a wooden chop stick to push the fabric gently at the corners to make them nice and square, once I have turned mine right side out. Don't push too hard, or you may poke a hole through your valance! At this point, you should have a lined rectangle of fabric, with rod pocket openings near the top of each side. Close the opening you left for turning, either by folding and pressing the edges in and hand stitching it closed, or use 'stitch witchery' type of fusing tape to do it. You can also sew it closed with your sewing machine, but you want to do it right at the edge. You want to make this closure as 'invisible' as possible, so I always use fusible tape. Carefully iron your valance. Use your fingers to work the edges, so that you have your seam right in the middle of each edge, so you don't see the front fabric on the backside, and you don't see the lining from the front. Now, to stitch the rod pocket. You will be making one row of stitching across the front of your fabric from side to side. Measure down from the top edge, so you have the same length opening on each side. The size of the opening you left on each side was determined above by the type of rod you're using. You can lightly pencil on the line that you need to stitch across, or do what I do - Place the fabric on the sewing machine, and put the needle down on the place where you'll start stitching. Take a 4" (approx) length of masking tape, and lay it against the upper edge of the fabric, to the right of the needle, and stick it to the sewing machine base. You can use this tape edge as a guide to hold the top edge of your fabric against as you stitch across. It helps you make a straight, even rod pocket. My sewing machine has tape on it for all different widths of rod pockets! If you chose to put trim on the bottom of your valance, do it now. I use 'Aleen's OK To Wash-It' fabric glue that you can get at WalMart or a fabric store. If you use glue, just follow the directions on the bottle to glue your trim evenly to the front bottom of your valance. I lay my valance on my kitchen island, and let it set overnight, while the glue dries. You can also stitch your trim on, either by hand or by machine. I prefer the glue, because you see no stitching on the back side. (I'm anal.) Now to make the ties. You can simply buy ribbon (such as grosgrain) or use purchased cord (see my dining room silk ones in the link) or make them out of fabric. Use either the same fabric or a coordinating one. Here, you first need to decide if you are going to tie your valance up with bows, or do knots. Bows take longer ties. Allow yourself a MINIMUM of 36" long ties. You can always cut them shorter if necessary, but you can't make them longer. I suggest hanging your valance up and using string to tie them up temporarily to see how long you need to make your ties. (It's longer than you think!) Cut your strips of fabric approx 4" wide and the length you have decided on above for your ties. Fold and pin the strips in half the the short way, so you have a long strip of fabric that is 2" wide. Make sure the right sides are together, (inside) because you are going to turn them inside out after stitching. Stitch along the pinned edge of each strip, about 1/4" from the edge. Now the fun part - turn those narrow strips inside out. My chop stick comes in handy for this, but use whatever method you choose to accomplish this. Press the ties just as you did the valance rectangle, making sure your seam is even on the edge. I fold in the raw ends and use my fusible tape to close them, but you can machine stitch them closed or do it by hand - Your choice. Your valance is done! Put it on your rod, using the rod pocket. Hang it in your window. Now, take the ties, and simply drape them over the rod on each side, having half of the tie fabric strip hanging in front, and the other half of the tie hanging behind the valance. Now, gather up one side of the valance in your hands, and reach behind it it grab the dangling tie in back. Tie up the valance, by tying the front and back pieces of the tie together, either in a knot or a bow. Do the same with the other side, making sure your ties on each side are tied up at the same length. Now stand back and make sure your valance looks even at the bottom on each side. Use your hand to 'finger fold' and drape your fabric until the look is what you want. You'll be surprised at what a difference it can make in the look by spacing your ties closer together, or moving them further apart on the rod. Also by tying the ties higher or lower... This is where you need to play around until you get the look you want. On the HGTV message board, a woman made these and kept posting pics asking for advice - Higher? Lower? Move the ties apart or closer...It's really all up to you. Hers looked GREAT when she was done, and she was so pleased to have made her own custom valance. I hope you all feel the same way, if you try them! Here is a link that might be useful: pictures of theses wonderful valances