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	<title>Your Exceptional Life &#187; Shout out</title>
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	<description>Shining in the shadow of Mount Diablo</description>
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		<title>Well I was up all night well wonderin&#8217; what to do</title>
		<link>http://www.valeriecrowell.com/2008/08/31/well-i-was-up-all-night-well-wonderin-what-to-do/</link>
		<comments>http://www.valeriecrowell.com/2008/08/31/well-i-was-up-all-night-well-wonderin-what-to-do/#comments</comments>
		<pubDate>Mon, 01 Sep 2008 00:41:15 +0000</pubDate>
		<dc:creator>Valerie Crowell</dc:creator>
				<category><![CDATA[Money matters]]></category>
		<category><![CDATA[Shout out]]></category>

		<guid isPermaLink="false">http://www.valeriecrowell.com/?p=54</guid>
		<description><![CDATA[It could be argued that the horse is already out of the barn and closing the door is superfluous.Â  It could also be argued that it is too little to late.Â  I would simply argue that it is a great tool for consumers.Â  The Federal Reserve has published a tool for mortgage consumers.Â  It&#8217;s easy [...]]]></description>
			<content:encoded><![CDATA[<p>It could be argued that the horse is already out of the barn and closing the door is superfluous.Â  It could also be argued that it is too little to late.Â  I would simply argue that it is a great tool for consumers.Â  The Federal Reserve has published a <a href="http://www.federalreserve.gov/pubs/refinancings/default.htm" target="_blank">tool for mortgage consumers</a>.Â  It&#8217;s easy to read and covers all the bases.Â  It even has a tool to calculate your break even point.Â  That&#8217;s a number I always want to know.Â  I recently switched to a smart phone.Â  If I had stayed with my current provider, it would have cost me $756 more over the term of the contract than if I left them, bought out the last three months and went with another company.Â  For cell phone service, that&#8217;s a lot of money over a two year period.Â  I switched.Â Â  That break even point is probably the most important number in the transaction.Â  That tells you whether or not it&#8217;s smart for you in your situation to refinance your property.Â  This web page shows you how to figure it out.Â  So we&#8217;ll give a shout out to the Fed for setting up a great tool for the consumer.</p>
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		<title>I need you like a lighthouse needs a coast</title>
		<link>http://www.valeriecrowell.com/2008/07/23/i-need-you-like-a-lighthouse-needs-a-coast/</link>
		<comments>http://www.valeriecrowell.com/2008/07/23/i-need-you-like-a-lighthouse-needs-a-coast/#comments</comments>
		<pubDate>Wed, 23 Jul 2008 18:17:33 +0000</pubDate>
		<dc:creator>Valerie Crowell</dc:creator>
				<category><![CDATA[Concord]]></category>
		<category><![CDATA[Shout out]]></category>

		<guid isPermaLink="false">http://www.valeriecrowell.com/2008/07/23/i-need-you-like-a-lighthouse-needs-a-coast/</guid>
		<description><![CDATA[Unfortunately, sometimes in the middle of the night, I need these guys. I&#8217;ve needed them on Saturdays and Sundays. And they&#8217;ve always been there. I have taken a stray hit by a car to them and they did right by him. I took my dear Xica to them once she had expired. Toby Doby went [...]]]></description>
			<content:encoded><![CDATA[<p>Unfortunately, sometimes in the middle of the night, I need these guys.  I&#8217;ve needed them on Saturdays and Sundays.  And they&#8217;ve always been there.  I have taken a stray hit by a car to them and they did right by him.  I took my dear Xica to them once she had expired.  Toby Doby went to the bridge with them.  On the night of June 17th I needed them again.  <a href="http://www.ccvec.com/" target="_blank">Contra Costa Veterinary Emergency Pet Hospital</a> was there on a Saturday afternoon when my beloved Doberman Pinscher Beauregard was having a hard time breathing.  I knew in a 9 1/2 years old dog it may very well be bad news.  It was.  Dr. Matt Harsch delivered the bad news with compassion and understanding.  Three days later when Beauregard couldn&#8217;t get his breath at all and was gurgling at 3 o&#8217;clock in the morning, <a href="http://www.ccvec.com/" target="_blank">Contra Costa Veterinary Emergency Pet Hospital</a> was there. The only words I could say was &#8220;my dog&#8217;s in distress.&#8221;  Dr. Dannucci was kind but firm with where we were and what would unfortunately do right by my dear boy&#8217;s soul.  In the worst of conditions, the entire staff was beyond kind and understanding.  I would say they couldn&#8217;t understand the connection between me and that dog, but he&#8217;d been there so many times before that they absolutely knew that we had captured lightening for 9 1/2 years.  For that kindness I will always be indebted to their Doctors and their staff.  So today, we give a shout out to the Contra Costa Veterinary Emergency Pet Hospital.  I&#8217;m glad you&#8217;re in my neck of the woods.</p>
<p><a title="beau-alone.jpg" href="http://www.valeriecrowell.com/wp-content/uploads/2008/07/beau-alone.jpg"><img src="http://www.valeriecrowell.com/wp-content/uploads/2008/07/beau-alone.thumbnail.jpg" alt="beau-alone.jpg" /></a></p>
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		<title>The conflict rubs against my grain</title>
		<link>http://www.valeriecrowell.com/2008/05/11/the-conflict-rubs-against-my-grain/</link>
		<comments>http://www.valeriecrowell.com/2008/05/11/the-conflict-rubs-against-my-grain/#comments</comments>
		<pubDate>Mon, 12 May 2008 03:30:21 +0000</pubDate>
		<dc:creator>Valerie Crowell</dc:creator>
				<category><![CDATA[Concord]]></category>
		<category><![CDATA[Cycling]]></category>
		<category><![CDATA[Shout out]]></category>
		<category><![CDATA[Walnut Creek]]></category>

		<guid isPermaLink="false">http://www.valeriecrowell.com/2008/05/11/the-conflict-rubs-against-my-grain/</guid>
		<description><![CDATA[It was an interesting weekend out here in Coco County. Gorgeous warm weather on Saturday and nice, but funky wind thing going on today. I took my new bike out and road it along the Canal Trail this afternoon. It&#8217;s much simpler to ride the trails than take your chances on surface streets. I really [...]]]></description>
			<content:encoded><![CDATA[<p>It was an interesting weekend out here in Coco County.  Gorgeous warm weather on Saturday and nice, but funky wind thing going on today.  I took my new bike out and road it along the Canal Trail this afternoon.  It&#8217;s much simpler to ride the trails than take your chances on surface streets.  I really wish that drivers would follow some basic laws, like stop behind the white line and look and then start into the intersection.  It&#8217;s unnerving for a cyclist when they don&#8217;t.  Every single time a cyclist has to determine if they&#8217;re going to dump, go airborne or evade collision.  See, when a bike hits a car, the cyclist gets hurt.  If it&#8217;s the cyclist&#8217;s fault, the cyclist gets hurt.  If it&#8217;s the car&#8217;s fault the cyclist gets hurt.  The common thread is what scares me.  Once I got on the canal trail it was a great ride.  Strangely, everyone was pretty much paying attention, which is unusual.  Only one family stopped on a curve to look at something in the canal.  While I understand the need to show children new and interesting things, stopping on a curve and remaining stopped on the trail is dangerous.  Just step off the trail with your children and everyone will be safer.</p>
<p>I&#8217;m getting to ride again because Dr. Elkind at <a href="http://integrodc.com/" target="_blank">Integro</a> got my back fixed in record time.   The last time I injured myself like this, I was unable to bend over and tie my shoes for over a week.  They couldn&#8217;t settle my back down enough to make the adjustments for over a week.  I had to sleep on my living room floor because the bed was too painful.  I was down for a month.  This time I was back on the bike a week later, I deadlifted successfully yesterday, only 14 days after the initial injury.  I thank Dr. Elkind and Active Release Technique for the remarkable results.  It&#8217;s nice to have such a gifted practitioner right in our back yard.</p>
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