text:
Original URL: http://www.theregister.co.uk/2005/05/25/id_bill_mk2_fraud_con/

UK ID scheme rides again, as biggest ID fraud of them all

ID theft and the £1.3bn lie

By John Lettice

Posted in Media, 25th May 2005 16:39 GMT

Analysis Home Secretary Charles Clarke is "aware of the genuine concerns" over the UK ID scheme, but the Bill his department reintroduced to Parliament today is, according to Home Office Minister Tony McNulty, "in essence... the same Bill" as the one that fell prior to the general election. So, it would seem that the new-look listening Government hears the concerns, and says, 'tough'.

According to McNulty the new version of the Bill changes "some elements around the information commissioner", but that "some of the other [changes] are quite minor." New Labour had made a "very strong commitment" to ID cards in its manifesto, and "the essential principles are as they were then." There will however no doubt be changes in detail to look out for in the new version, which you can find here.

The pro-ID arguments the Government has put forward in the run-up to today's publication have been well-rehearsed, some of them over a period of years, and are as flimsy now as they were in previous Parliamentary sessions. It will, it claims, be necessary to have all of the biometric data to comply with global biometric passport standards, the public overwhelmingly supports ID cards, 30 (or sometimes 35) per cent of terrorists use false ID, and ID theft costs the UK over £1.3 billion a year.

Did we miss one? Possibly, but these old faithfuls serve the latest New Labour junior minister rotated into the Home Office ID card hotseat well as ammunition to bore the press with. Alongside them the form of words 'we never said ID cards were the complete answer to... [insert terrorism, ID theft, benefit fraud etc here]" comes in handy, and now they can also say (as Tony Blair did last week): "It is a manifesto commitment and we will honour it."* All of the claims are however either false or grossly misleading, the "we never said..." that the Government never mentions is what the ID scheme is the solution to, and while one might be inclined to applaud a determination to honour manifesto commitments, one can't help noticing the numerous previous commitments that haven't been honoured, and the things the Government has done in the past (e.g. the odd war, scads of repressive legislation and the attempted destruction of the judicial system) that unaccountably failed to appear in the 2001 manifesto.

The ID theft threat

This week's key pro-ID card argument is clearly ID theft, and several ministers have said £1.3 billion several times already. On Monday Charles Clarke told Parliament: "It is essential that we tackle the issues of identity fraud", while the Home Office's announcement of the new Bill (headed "Safeguarding Our Identities") quotes Tony McNulty as saying: "A secure national identity cards scheme would protect everyone's identity and help prepare the UK for the challenges of the 21st century... Our identities are incredibly valuable to us and too easily stolen. ID fraud is a growing crime which can ruin lives and underpin illegal activities from people-trafficking to credit card fraud, from abuse of our healthcare and benefits systems to terrorism."

The Home Office today also published the results of the Passport Service's biometric enrolment trial and, as we predicted it would eight months ago, spun the accompanying massaged survey up into overwhelming support for ID cards: "The majority of participants strongly agreed that biometrics will help with passport security, preventing identity fraud, preventing illegal immigration and are not an infringement of civil liberties", it claimed today.

The Government's redoubled enthusiasm for presenting the ID scheme as a way to tackle ID theft is easily explained. Various surveys report public support for ID cards as being around the 80 per cent mark, and the most recent, carried out for Intervoice and reported here, also found that 57 per cent saw ID cards as the best way to protect themselves against identity theft. As Intervoice general manager George Platt bemusedly told the Beeb: "An identity card doesn't really help the problem of identity theft other than at the point of purchase". He speculated that the result reflected general confusion about what ID theft is, and how it should be tackled.

Quite. The Government's own focus groups carried out alongside the now-geriatric Entitlement Cards consultation reported a majority supported ID cards, but that there was ignorance and misunderstanding of what they would involve, and how they would solve the problems the public perceived they would solve. Subsequent surveys, starting with the Detica one where Detica Head of Security David Porter noted that 94 per cent were aware of the ID scheme, but two thirds have little or no knowledge of how it will work, have all identified high levels of support accompanied by profound misconceptions.

Now, the Government is clearly proposing to use the public's very real concerns about what it thinks of as 'identity theft' as a major justification for ID cards. The public thinks ID cards will help deal with 'identity theft', so very well, the Government will use that in support of the ID Cards Bill. It's listening after a fashion, we suppose, besides being something of an ID fraud in its own right.

£1.3 billion - the estimate from Weimarland

The continued parroting of £1.3 billion is particularly fraudulent, and at this point it's worth us examining the origins of the figure, and what it is made up of. It appears in Identity Fraud - A Study, published by the Cabinet Office in July 2002. This document is actually on the Home Office site, but as Ministers show no sign of having read it, it's probably an oversight that it's still there. The document takes a pretty broad view of what might be classed as identity fraud, and puts forward various reports and estimates that together add up to £1.3 billion in Appendix B. We can look at the most significant of these, and in each case gauge the effectiveness of ID cards in dealing with the problem: Customs & Excise: "Missing trader" fraud, which involves avoiding paying VAT by shuffling goods between EU countries, sometimes using false identities and front people. The study guessed 10 per cent of this might involve ID fraud, giving a figure of £215 million per annum, but as one of the salient features of the fraudulent IDs here would appear to be they're non-UK, the ID card scheme does not apply. Customs & Excise also estimated (remember that these are old, old numbers Clarke and Co are basing their £1.3 billion on) that money laundering accounted for around £395 million per annum. But again, as most of those who'll actually qualify for a UK ID card will already be familiar with their banks constantly pestering them to identity themselves, the bulk of this will be carried out via non-UK ID. So that's £610 million of the £1.3 billion that ID cards would barely scratch.
Department of Work & Pensions Regular readers will know the DWP has a new wild guess for this one, an impressive £50 million. In the 2002 study the ID fraud component of welfare fraud of "£2-5 billion" (a pretty tight estimate, that) was around one per cent, i.e. £35 million. Shall we let them have that one? So the score is £610 million to £35 million.
Immigration: The Home Office claimed that in Heathrow Terminal 3 alone around 50 fraudulent documents were found each month, and that the detection rate was at most 10 per cent (it wouldn't be hard to project this up to a nationwide, annualised border control catastrophe if that was what you wanted to do), and that it could save £6 million per 1,000 reduction in clandestine entrants. This produces the somewhat dubious 'ID fraud' cost estimate of £36 million for Heathrow T3 alone, but as they're foreigners just arriving in the UK they don't qualify for ID cards. Biometric visas might qualify, but that's a different Bill, not the ID Cards one. Nul points - score, £646 million to £35 million.
Credit Card fraud: The estimate (for 2001) was of £370 million losses made up of counterfeit cards, lost and stolen cards, and card not present fraud. As George Platt noted, an identity card can only protect against identity theft at point of sale, and he might have added that it can only do so if proof of identity is demanded at point of sale. Which, in the UK currently, it generally isn't. So if your card is stolen, cloned, or used for card not present fraud (including via the Internet) the ID card as it is currently envisaged has no effect whatsoever. This is however the key area where the public thinks it would have an effect. Score now £1.16 billion versus £35 million.
Insurance: This is a fairly wild guesstimate (there's a change). The study suggests a quarter of losses here might involve identity fraud, giving a figure of £250 million. So, if insurance companies insisted that people they were underwriting had to prove their identity via a UK ID card, then ID cards might have an effect. If the £250 million figure has any substance at all. But cards wouldn't get all of it (foreigners again), and would only get a substantial slice of it if the Government compelled production of ID in the insurance industry, as is the case for money laundering in banking. We'll just leave this one out, score still £1.16 billion to £35 million.
CIFAS: CIFAS, the clearing house for the exchange of information on "applications for products or services, which are believed to be fraudulent" (we think they mean the applications, not the products or services really), provided an estimate of £62.5 million as the value of false ID or victim of impersonation fraud. Fraud in this area is undoubtedly bigger today than it was three or four years ago, and probably bigger than the CIFAS estimates. However, major growth areas are 'bin-bag ID fraud', where financial and personal data is stolen from your dustbin, and the theft of credit card company solicitations (with associated ID details) from common entrance halls. Where does the ID card come in there? Or indeed, on the Internet. The problems here are first that people do not in general keep a very good watch on how they dispose of their personal data, and second that credit card companies do not regard it as being in their overall interest to demand solid ID for new applicants. ID cards have nothing to do with it unless, again, the Government compels them to demand ID.

So, of the numbers making up the "£1.3 billion" (actually £1.364 billion in the study), only that £35 million from the DWP could be said to bear some linkage to an ID card scheme, and the number itself is pretty much a guess ("£2-5 billion" total, indeed...). You'll note if you go through the list that there are entries for other categories where the study was unable to identify numbers to work with, and that some of these categories (e.g. unpaid speeding fines and housing benefit) could be reasonably thought to have an ID fraud component in them. We could therefore think of the 2002 study as taking a pretty wild stab at guessing the order of the cost of ID fraud, but as being by no stretch of the imagination being a comprehensive or accurate assessment. It effectively says, 'ID fraud exist, it is growing, and the cost is a big number. We think.' Would many of us have a problem with that? Probably not, although it depends what you reckon ID fraud is, and we at The Register tend to think lumping together as many different kinds of theft as possible and calling it ID fraud isn't totally helpful.

By intoning the £1.3 billion mantra, however, and loudly repeating that Something Must Be Done about ID theft, the Government is encouraging the public in its erroneous belief that what it thinks of as ID theft will somehow be tackled by ID cards. Charles Clarke, who Trotted out the number just days after he took over as Home Secretary, is arguably the biggest ID fraud of them all.

Stop press While this piece was being written, Tony Blair's official spokesman said " the longer this debate had gone the more people seemed to be seeing the relevance of ID cards. What we were seeing was identity theft becoming a much more salient issue which people were becoming concerned about in their every day life. It was a growing crime which costs the economy at least £1.3 billion per year." So there it goes again. ®

* On the subject of manifesto commitments and honour, last Parliamentary session the TheyWorkForYou database was reporting that Tony Blair "sometimes" rebelled against his party. Which may strike you as strange, but investigation reveals that he voted against the Labour line twice, on the abolition of foxhunting, and on the reform of the House of Lords, both of these, we recall, being manifesto commitments.

Related stories:

ID cards: Part II
General election debate misses purpose of ID cards
Labour promises 'voluntary' compulsory ID card


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text:
Busy Benicia span feted for 50 years of service

The old and new spans of the busy Benicia-Martinez Bridge are show in this aerial photograpgh.
The old and new spans of the busy Benicia-Martinez Bridge are show in this aerial photograpgh.

Karen Burns was 22 when she boarded the last Benicia-Martinez ferry.

"The ferry left Benicia and went under the center of the bridge," Burns said. "It blew its whistle and then the celebration started."

The ceremonial run was part of the Benicia-Martinez Bridge grand opening on Sept. 15, 1962. When it opened, the span replaced the last remaining state-owned car ferry service in the San Francisco Bay Area, opening Contra Costa and Solano counties to the postwar boom.

On Monday, dozens of officials and others gathered at Benicia's Vista Point overlooking the Carquinez Strait to celebrate the bridge's 50th anniversary.

Among them was Burns, a Benicia native, the only guest to say she attended the bridge's grand opening. For her, the anniversary was a bittersweet reminder of simpler times.

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"Everybody is in such a hurry now. It was the end of an era ... a different way of life."

For more than a century, ferry service had been the only way to cross the Carquinez Strait at Benicia or Martinez. California's great landowner, General Mariano Vallejo, initiated it in 1853 to transport people, materials and goods to his vast holdings and to the state capital, which was then in Benicia.

A rival ferry service in Vallejo was replaced in 1927, by the Carquinez Bridge, the first span to cross the strait. By 1955, ballooning traffic led to plans for a second Carquinez bridge span as well as a separate bridge linking Benicia and Martinez

Today, the Benicia-Martinez Bridge is the Bay Area's fourth most traveled behind the Bay Bridge, the Carquinez Bridge and the Golden Gate Bridge, according to the Bay Area Toll Authority and the Golden Gate Bridge, Highway and Transportation District.

"The Benicia-Martinez Bridge, quite simply, was the key to unlocking the biggest period of growth in central Solano County history," said Solano County Supervisor Jim Spering, Metropolitan Transportation Commission and Bay Area Toll Authority board member.

"The populations of Benicia, Fairfield and Suisun City exploded after the opening of the bridge in 1962," Spering said. "So it's entirely appropriate that we celebrate the bridge's first 50 years. ... Happy birthday, old friend, and we look forward to a healthy and prosperous middle age."

A parallel span carrying five lanes of northbound I-680 traffic was completed in 2007, and a bike-pedestrian path opened on the original bridge opened in 2009.

A seismic retrofit of the original span completed in 2003 upgraded the bridge to "Lifeline" status -- meaning it is designed to sustain only minor to moderate damage after even a major earthquake, Spering said.

"The birthday bridge is the rare 50-year-old that is in better physical shape than the day it was originally built 50 years ago," Spering said.

During the event, Benicia Mayor Elizabeth Patterson and Martinez Mayor Rob Schroder cut two birthday cakes as the Benicia High band, enjoying a break from morning classes, played "Happy Birthday."

Schroder said he was 9 when the bridge opened, making it easier for his family to get from Walnut Creek to their North Lake Tahoe vacation home.

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text:
An interview with Chris Johnson

15 Have your say

Related coverage

Last week I caught up with three-time Brisbane Lions Premiership player Chris Johnson at AFL House.

Danni: To kick off, let’s rewind back to your playing days. During your stellar career you played in three winning premierships. Which premiership win is most precious to you and why?

Chris Johnson: I think the first one would have to be most precious because it’s the first one. Not knowing that you’re able to get to that stage of your football career, in a grand final, so you actually get to something and realize you can do it. So I’d say the first one is the most precious one that I hold close to my heart at this present time.

D: Now for a hard hitting question! Exactly how annoying were Jason Akermanis’ handstands?

CJ: They were great for the crowd, I guess they were annoying in a sense that we always had to wait for him to walk off the ground because we always wanted to leave the ground as one team, but I think for supporters in general, in Queensland to build the game up, I think it was a great aspect of entertainment to bring people to the game.

D: In your playing days, who had an influence on your playing style and attitude?

CJ: I think it came down the coaches around me, number one Leigh Matthews and certainly my father as well, the way he brought me up and taught me how to go about my football in the junior days; how to tinker my game and be a defender and attacking defender at the same time. So I’d have to say those two men, Leigh Matthews and my father were probably the two biggest influences in my football career.

Before Leigh I had the talent and I had all that around me but I just didn’t have the guidance and that’s what Leigh was able to give me.

D: Having had a steady footy career with Brisbane, is there anything you look back at that you would change?

CJ: Again a lot of my answers come from a Leigh Matthews frame of the mind; it doesn’t matter what sort of level you’ve played at, whether you’ve played A Premiership or won Brownlows, you always look back and think I could have done this better, and I could have done that better.

I think going back on hindsight I’d like to do a lot of things different, there a few preseasons I would have liked to try a little bit harder or came to training in a right frame of mind rather than coming a little bit underdone.

You always look back and think yeah I could have done a lot more than I did. People who retire from football always look back and think I should have done this and I should have done that.

D: Who would you say is your favourite teammate that you still keep in contact with?

CJ: There’s a number of guys. Certainly two guys I keep in regular contact with are Martin Pike and Darryl White, they’re two guys that whenever we catch up it’s like we were just with each other yesterday. Those two guys are very good mates of mine and on the phone we’ll catch-up or at a function, but yeah those two guys I’ve kept in contact with quite a bit.

D: You have done a lot of development coaching after footy. Would you consider applying for a senior AFL coaching role?

CJ: Look I’d never say no. Yes I have done a lot of development, first when I retired I started development at Brisbane then I took a role on at Avondale Heights as a coach. I enjoy doing development with kids that are younger, the 16-17s to help them realize what it takes to play elite football and be at the best to give themselves every opportunity.

I wouldn’t count it out, I’d like to give it another go one day and get into the AFL environment, it would be good.

D: If you were to take up a senior role is there a particular club you have your eye on to take over?

CJ: Not in particular, I think whichever club fitted me right, that was able to give me the time that I needed to do my job and then the time to be able to do family things as well out of football. So you have to weigh both up, especially in an AFL environment you have to weigh up what hours you need to do with work and what hours you need to do with family.

D: Do you think the AFL is doing enough to help indigenous players make the transition to AFL life?

CJ: With our programs at the moment, ‘The Flying Boomerangs’ and the ‘Football Men’s Business Program’, those transitions that we give and we teach kids about what it takes to play elite and professional football is certainly the steps in the right direction.

Obviously you can never be satisfied with what you’re doing now because you always have to look to improve, there’s always room for improvement with anything you look at, but I think at the moment they are doing a great job, sorry WE are doing a great job.

We just hope to keep pushing forward and get that 11 percent of AFL football players playing in the competition at the moment, hopefully we can get that up to about 15 percent, that’s our target.

D: So when you say ‘we’, is that your role here at AFL House, the development of young indigenous players?

CJ: Yes that’s one of my roles, talent and engagement coordinator. One is to engage and oversee the talent in the indigenous base and then oversee and engage the talent in the multicultural space as well and then in the mainstream at the AIS with our AIS level one side. So they are my three key roles here at the AFL – indigenous, multicultural and AIS.

D: In your opinion, who is the most underrated player and why?

CJ: Currently, I reckon there’s quite a number of them. You certainly have to look at Ryan O’Keefe. I think as a veteran, so to speak, his ability to be able to rejuvenate himself and get himself into the same form and even win a Norm Smith medal on grand final day; I think that he’s the guy who is certainly underrated.

I think a lot of our older guys that are getting up into their 28-30s, they all get underrated quite a bit. I think they’re the group that looks like they’re being underestimated at the moment.

D: Thoughts on free agency, good or bad for the future of the game?

CJ: I think it’s good for guys that aren’t getting a go at the previous club that they’re at. For guys that are just wanting to play senior football, I think it’s a great opportunity for the guys to move club and get that opportunity, but for people that are looking for a financial benefit or financial gain out of it, I think it’s a very dangerous space that we’re going into in that sort of regard.

If we’re letting players move for a dollar value I think that’s what can kill the game, but if you’ve got guys moving for reasons like just trying to get a go then I think it’s the right path and direction we’re going in.

D: Who is the better coach for Brisbane, Matthews or Voss? And do you think that Voss has the capacity to become as good as Matthews?

CJ: The list that Leigh had was a pretty good list, when he got the list we finished second last and we finished wooden spooners the year before that, so Leigh still had to build up that list as well and that’s the challenge Voss has at the moment.

Leigh has got experience in terms of his coaching and the people he had around him, Voss is an inexperienced coach he’s only into his third year now and he’ll get better and better but I think the ability he’s got is being able to keep the supporters and board onside to get a renewal of his contract.

I think he (Voss) is heading in the right direction but he’s still got a long way to go to get to where Leigh was, but I think he’s doing a great job at the minute with what he’s got.

Obviously the Brendan Fevola thing didn’t work out great for him but other then that they’re going in the right direction, played finals in his first year, dropped away a bit but now they’re coming back up, so I think he’s doing great and the guys around him are doing great as well.

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Miscellaneous, Nerdery

The Most Wonderful Picture You Will See All Week…

…Comes courtesy of Patrick Stewart’s Twitter account. The recently married Stewart is currently starring with Ian McKellan (who is rocking the shit out of that yellow tank top) in rotating productions of Harold Pinter’s No Man’s Land and Waiting for Godot at the Cort Theater. During a break earlier today the pair headed over to Times Square to get their picture taken with Elmo. (What, no X-Men were available). Either they were really bored or there are some seriously strange Days of Future Past reshoots happening. Whatever the reasoning behind this picture is, let’s just be grateful that it exists because it is absolutely joyous.


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Old 07-04-2012, 04:49 AM
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Not a fan of this look at all. I think it's too much. I especially dislike the ruffles.

Old 07-04-2012, 01:56 PM
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I think the dress looks great when she is moving but the still photos make it appear lke some lost flapper dress recycled it's a shame the colour looks great on her though

Old 07-04-2012, 02:26 PM
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I am not liking this look on her at all. Ruffles, sheer black on the bottom..all way too much going on. It lacks sophistication and elegance. I do like the color but that's where it ends for me.
Old 07-04-2012, 02:53 PM
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I like that she's trying a new thing , the color is good too , her earrings are amazing , but the dress isn't that good , not bad though , i don't hate it
Old 07-04-2012, 03:57 PM
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Originally Posted by Lumutqueen View Post
You'd wear that clubbing? Far too posh.
I wouldn't wear it anywhere, but it's a short dress with sequins and ruffles coupled with platform peep-toes and heavy smoky eyed make-up. Many thousands of teenage girls will be vomiting on the pavements in similar dresses up and down the country on Saturday night. Only difference is theirs will likely be more figure hugging (i.e. at least one size too small for them).
Old 07-05-2012, 06:40 PM
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I really like the color and style of the pink dress, but I don't like how it fits. It's way too loose around the waist. Her makeup and hair are really lovely though.

The blue dress is hideous. There is way too much going on with this outfit - sequins, lace, ruffles and bows on the shoes. It's all just a hot mess.
Old 07-05-2012, 09:05 PM
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Cute dress. Very youthful look for her.
Old 07-06-2012, 09:15 PM
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Originally Posted by Kit View Post
Wow she really looks stunning in these pictures. Am I the only one who sees a ressemblance to Princess Grace here ?
I often see a glimpse of Grace in her.

the anniversary picture looked a little too baggy but love the color.
the pink dress was a stunning look, her hair is what it should be.
the sequined dress was a little off, but good for trying.
Old 07-08-2012, 03:11 PM
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Charlene in Berlin today.
- Complete outfit
- Close up 1
- Close up 2

I kind of like the upper part, but not with the black pants; the overall effect is too dark and bland.
Old 07-08-2012, 03:44 PM
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Very casual outfit IMO and one would think it was a warm winter day.
Old 07-08-2012, 03:52 PM
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Was this a formal event? She's wearing flipflops?
We Will Remember Them.
Old 07-08-2012, 04:16 PM
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The official visit does not formally begin until Monday. Todays arrival was pretty much private.

She is wearing sandals not flip flops.
Old 07-08-2012, 04:42 PM
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I love the top but not the pants or sandals.
Old 07-08-2012, 05:48 PM
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me no liking this :S
Old 07-08-2012, 06:02 PM
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Those certainly look like flip-flops to me. The outfit looks like something a middle-aged woman would wear to the supermarket. Odd choice.
Old 07-08-2012, 06:18 PM
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That outfit doesn't appeal to me at all, especially the sandals/flipflops.
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Old 07-08-2012, 08:15 PM
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I think she looks good, I love the pants and top combo though I do wonder if she was sweating buckets.
Princess Grace, April 19, 1956
Princess Margaret Rose, May 6, 1960
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Old 07-08-2012, 08:26 PM
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Very sloppy appearance. I'm not liking anything, except her hair style. It looks as if she grabbed whatever was the closest in terms of reaching, put it on, and went on her merry way.
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Old 07-08-2012, 08:33 PM
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Terrible outfit. Even though they may be sandals, they look like flip flops and the whole grey top is awful.
Old 07-09-2012, 04:02 AM
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Charlene herself looks lovely. I dont mind the grey top or pants but the sandals or flip flops is a big no-no for me. You should do better than this when arriving for an offical visit. Obviously there was kind of an official greeting, to turn up in flip flops or sandals that can be mistaken for flip flops is just sloppy.

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     Winter is a time of fire places and bundling up at night, of cold days that nip at your nose when you go outside, and of plants waiting for spring to bring new life to their lifeless looking limbs. As minor holidays come and go stop by The Sideboard where you can find a special gift for a loved one, or a unique decoration for your winter haven home.

    From designer hand bags and Jewelry to handmade gifts and soaps, from beautiful figurines, to cards for every occasion, The Sideboard is the place to come if you are looking for a gift that says "you mean the world to me" or if your just looking for something to bring new life to your home.

 The Sideboard is located in the Historic Downtown Upland where there are new things to discover and old histories to remember.

Searching for that perfect gift for mom?  Looking for that special something to lift someone's spirits? Whether you are looking for a new tea set or just a few candles to brighten up your home, The Sideboard is here to help you find what you are looking for.

Located in Historic Downtown Upland, The Sideboard is a charming little shop that is sure to brighten your day. So swing on by The Sideboard, you won't regret it!

Here at The Sideboard you can find popular brands such as...

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Updated on 11.03.09

24 Ways to Save Money Today

Trent Hamm

A big part of successful frugality is the routine with which you live your day-to-day life. Here are twenty four little things that you can incorporate into your daily routines that just trim a little money away from your spending – and puts it into something more important to you.

1. Brush your teeth. An unclean mouth is a perfect place for unwanted bacteria and germs to take root. Good oral hygiene reduces the chance for bacteria to grow in your mouth. This reduces doctor visits, medicine costs, and productivity lost to illness – not to mention the time spent feeling awful.

2. Take leftovers to work for your lunch. If you have something left over in the fridge from a previous meal, pack it up and take it with you to work. If you choose to eat it there, it’s a double savings – you save in that you didn’t waste the food you made at home and you also save by not buying the overpriced food options at work (eating out or the food vendor).

3. Take a piece of fruit or toast with you as you leave. A simple high-energy breakfast raises your energy for the rest of the day, making you more productive. It also helps with alertness, helping to ensure that you make better decisions throughout the day.

4. Adjust your thermostat before you leave. In the summer, raise the temperature several degrees; in the winter, drop it several degrees. Don’t waste money controlling the environment of your home while no one is there.

5. Prepare a grocery list before you leave. Look in your refrigerator and cupboards to identify the things you actually need, then make a list from them. Look in the freezer, too, and make a rough meal plan while you’re at it so that you’re sure to be buying only the things you actually need and will use.

6. Turn off all possible electronic and electric devices before you leave. Devices left on that aren’t doing anything sap electricity which you pay for. Devices even as simple as toasters devour energy throughout the day. Turn off your television, your cable box, any gaming consoles, kitchen appliances, radios, and also don’t forget to turn off your lights. This can be made much easier by putting your home entertainment equipment on a switch, so you can simply flip it before you leave.

7. Take a new route to work (and do the same on your way home). Every six months or so, it’s worth trying an alternate route to and from work. Why? For one, there might be a better route for you to take due to new roads or simply a lack of earlier observation on your part. For another, traffic flow changes constantly based on road construction and new roads, often affecting roads not under construction, meaning a previously-discarded route that’s close may in fact be a much better route now.

8. Park far away from your office. Why? Two reasons. For one, at many workplaces, parking far away from the building is less expensive, because closer spots are often in restricted lots (this was the case in my previous workplace). For another, parking far away from the building requires you to walk much further to get in there, giving you a bit of exercise.

9. Wash your hands a few times a day. This works for similar reasons as brushing your teeth – it reduces your chance of getting sick, which saves on doctor’s bills, medicine, and lost productivity. Get your hands wet, get soap on them, and rub them together for the length of time it takes to sing “Happy Birthday” twice.

10. Use your work downtime to spell out in writing your personal goals. It’s far more valuable than just surfing the web or sitting idle. Make lists of your short term and long term goals, then flesh out how you’ll achieve each one. Come up with specific things you can do and write them down.

11. Eat lunch at your desk. Eating lunch at your desk is far less expensive than eating out, plus it gives you time to work on your goals (as mentioned above). Of course, this is even easier if you brought your lunch, as suggested earlier.

12. Drink water instead of soda or coffee. Water is virtually free and quenches your thirst more effectively than coffee or soda, both of which have adverse health effects (caffeine addiction, weight gain).

13. Invite a friend over. Make a plan for doing something social at your home. Inviting a friend over is far cheaper than going out with a friend and, even though you might have to spring for some costs such as food, it’s likely that such an invitation will be reciprocated later, giving you a free evening of entertainment.

14. Touch base with some people you haven’t heard from in a while. How does this save money? The more established relationships you have, the more likely it is that you can tap your social network for advice (and sometimes more), plus friends often drop each other useful things all the time. Friends are useful to have all around.

15. Meditate or pray. Meditation and/or prayer calms you, improving your health and making it easier for you to make better choices afterwards. Take some time near the end of your work day or the start of your post-work day to meditate for a bit or offer up a prayer in quiet solitude.

16. Try a generic product. When you’re trying to decide at the store which product you should pick up, consider giving the generic alternative a try. It’s almost always far less expensive and it’s often identical to the name brand – many times, they are the same item in different packaging.

17. Hit the library. Libraries offer an abundance of entertainment options for free: books, magazines, DVDs, CDs, games, and countless other items are there to easily be checked out.

18. Air up your car’s tires. Filling your car’s tires up to the maximum recommended pressure once a month or so has an enormous positive impact on your car’s gas mileage. With some recent testing on my wife’s car, we found that it improved her mileage by four miles per gallon.

19. Wash your windshield when you stop for gas. A messy windshield reduces vision (which increases the likelihood for accidents) and can have a subtle negative aerodynamic effect on your car. Since it’s free and you’re just standing there pumping gas, wash it up!

20. Have something in the freezer for dinner. Instead of going out to eat or stopping by the grocery store to pick something out, take a look at what’s in your freezer. Likely, there’s something in there you’ve forgotten all about that will make a wonderful, cheap dinner.

21. Read a book for your evening entertainment. A book (particularly one checked out from the library) is an incredibly inexpensive way to entertain yourself. Turn off the television and the cable box (saving energy) and crack open a book instead.

22. Go for a thirty minute walk. Not only can it be a free form of entertainment, it’s also a great way to improve your physical fitness a bit, reducing your health care costs.

23. Do some of your morning routine the night before. Pack up your leftovers. Turn off as many of your devices as possible. Put the things you’ll need to take in the car. Why? Doing this now helps to ensure that you’ll do things more efficiently in the morning – and you’re more likely to remember everything, too.

24. Turn down the thermostat before you go to bed. Just drop the temperature five degrees or so. You won’t notice it until the morning, at which point you can raise it right back up when you’re still toasty warm from a long night’s sleep. This can easily save you a few dollars.

And a final bonus one… go to bed early. A well-rested mind is a more alert mind, more able to avoid marketing tricks and also more capable of helping you to get ahead in the workplace.

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  1. Derek Cormier says:

    Really enjoyed this article Trent. Thanks for all the good tips. I will be sure and share them.

  2. Daniel says:

    I especially like #23, there’s always time to pack lunch then instead of in the morning, and there’s nothing quite like an extra 5 minutes of sleep..

    “Drink water instead of soda or coffee.” – I do this, but I get soooo tired during the day. I would never drink coffee because of the taste, but what other alternatives are there to a little caffeine boost to help me get through the day?

  3. Jill says:

    I like these tips, especially the high-energy breakfast one – although I wouldn’t count a piece of toast in that category. It’s all carbs. There’s better options. For example, a hard-boiled egg (and you can boil all 12 ahead of time!) would be a better choice if you’re in a rush.

  4. Little House says:

    #8 is a great tip, and another added benefit, you won’t end up with as many (or better yet, no) door dings if you select a far away end spot. Fewer or no door dings means your car will look better longer, and you might even be able to sell it for little more when the time comes.

  5. leslie says:

    “19. Wash your windshield when you stop for gas. Since it’s free and you’re just standing there pumping gas, wash it up!”

    This makes little sense to me for several reasons.

    First, I’m assuming that in Iowa, when you pump gas, you can “lock” the gas pump leaving you free to move around. In that specific situation, sure, this tip will work. However, I have only lived in one state where the gas pumps work that way.

    In NY, you have to hold the trigger the entire time. Meaning you would have to spend extra time cleaning your windshield when you’re done.

    In NJ & Oregon, you don’t even pump your own gas so I have no idea if they have windshield squeege’s available at the pumps.

    I realize that most of these are regional specific, but this one just seemed a bit too specific for me.

  6. #11 is a good tip in that it suggests an alternative to sitting down in a restaurant to eat out, but I would suggest eating somewhere other than your workspace if possible (break room, in a nearby park during nice weather, etc.). Having a clear separation between work time and personal/break time improves the quality of both, IMO.

  7. That covers everything that is important, and it’s all easy stuff to do!

    John DeFlumeri Jr.

  8. Linda says:

    I would add: if you have access to public transportation, use it. If you can carpool, that helps too.

  9. Johanna says:

    @Daniel: Have you tried tea? It’s cheap, healthy, and easy to make. Black tea, oolong tea, green tea, and white tea all have caffeine in varying amounts. Red tea (rooibos) and herbal tea don’t, but you sometimes find them blended with black tea to make the flavor more interesting.

    Regarding caffeine addiction being an “adverse health effect”: If that’s the worst health problem you have, you’re doing pretty well.

  10. Outdoorseaguy says:

    I don’t think eating lunch at your desk is always a good idea. I work at an IT helpdesk and if I’m having lunch at my desk, people will still walk up to me, even if they see me with a fork in my hand, and ask me to come over to their desk to help them. My lunch gets cold or I lose my appetite. I’ve found that if I want to enjoy my lunch, which is usually a left-over anyway :) I need to go sit somewhere else. Sometimes an empty office or sometimes even in the lobby of my building. I’ll also read a book while having lunch to decompress a bit from my day. I think taking a break from your day is really important.

    I think having a bit to eat before leaving is a great idea. I used to stop at a Speciality’s bakery and grab a pastry and some coffee before heading to work. I’ve switched to whole-wheat toast and “PB” before leaving in the morning. It’s certainly a lot cheaper and only takes 5 minutes to make. $4/day x 5 days =$20/week just on pastries.

    Here’s another tip to save some money and eat something better. I make my own “PB” at home. I don’t use peanuts though. I buy 8 oz of raw almonds and raw walnuts from the bulk food bins at the grocery store. I toss them with a little salt and roast them for 15 minutes. I put them in the food processor with a little bit of honey and a few minutes later I have a homemade “PB” that is way better than the overly-processed stuff out of a jar. The smell alone is incredible. It may be slightly more work, but it’s totally worth it.

  11. brad says:

    @ #2 Daniel

    do you take a multivitamin? ive started recently and found im sleeping a little better and have more energy.

  12. Daniel says:

    Thanks guys!

    @Johanna A few months ago, I told myself I was going to drink tea, but I completely forgot about it. Now that you got my attention, I’m going to try it!

    @Brad My girlfriend takes multivitamins and swears by them. I’m a little hesitant to take pills every day, but maybe I’ll give it a shot. Are there any adverse effects?

  13. greg says:

    For trying a different route to work (#7), take your GPS with you if you have one. For one, you won’t get lost when you try a new route, and also the GPS will sometimes suggest brilliant shortcuts that you would never have thought of.

    If you have the chance to ride your bike to work, you can save even more and forget about tips #8, 18 and 19.

  14. Ellen says:

    RE # 2 & 12 Daniel: Be sure you’re eating enough calories & protein early in the day instead of skimping on breakfast and/or lunch. Also, if you are not outside very much, try taking Vitamin D supplements instead of the multi- (or get outside in the sun for a half hour every day – though if you live in the northern US, that still may not be enough without supplementing). I was tested & also found to have very low B12 levels, so I just take those 2 specific vitamins. And after a month I feel MUCH better. The standard multivitamins don’t have very many possible adverse effects, except that your body excretes the excess water-soluble vitamins – so if you don’t have a deficiency, it’s literally wasted $. There is a tasty cereal that provides 100% of the RDAs too, which would be a less expensive alternative to vitamins + breakfast.

  15. Daniel (2)–I’m completely with you on caffeine, I have a noticeable drop in energy level in the afternoons when I don’t drink coffee.

    Some additions to the list:

    1) tap water is cheaper than bottled water (which is often tap water anyway)and sends fewer plastic bottles to landfills where they’ll sit for a thousand years

    2) you can save over $1000 a year bringing a container of coffee from home to work rather than stopping at Starbucks for a latte every day

    3) taking item 21 a step further, the less TV you watch, the fewer commericals you’ll see, and–just a guess here–the less money you’ll spend in the course of a year. Few people realize how TV propagandizes us, particularly with spending and consumption. And it isn’t all in the commercials either! TV makes us want things we don’t have, and usually don’t need.

  16. brad says:

    #12 Daniel

    no sir. what you take in depends on what brand you use, but pretty much across the board the ingredients will be simply viatmins and minerals. i use AST Multi Pro 32X, a multivitamin geared towards active people. you can look it up (and articles about multi vitamins) on bodybuilding.com. i take one in the am and one during the early evening. alot of the vitamins and minerals we need are water soluble, which means the body doesnt store them for later. thats the reason i take two a day, so my body has a constant supply.

    and price may put you off (i got 200 capsules for 26 bucks, not really sure what more standard stuff like centrum runs), but its just a matter of how bad you want it. i dont mind putting down the money because im trying to gain muscle and its harder to do that if you arent getting all the items your body needs for proper functioning.

  17. Tracy says:

    Is it worth it to turn down the heat before you leave if you are only going to be gone for an hour or so, or would the extra energy used bringing the temp back up to normal cancel out the savings?

  18. Faculties says:

    The appliances that draw energy while off are the ones that are always on standby for instant on, such as TVs, or an ongoing digital display, such as DVD players, or that recharge batteries, such as laptops. A regular toaster doesn’t draw energy while not being used.

  19. leigh says:

    there is a fine distinction between tolerance/dependence and addiction. while caffeine is certainly an abused drug in a subpopulation of users, it’s incorrect to say that a side effect of ANY caffeine use whatsoever is addiction.

  20. Craig says:

    Leftovers has helped me big time. If I have extra dinner I use it either for lunch or dinner the next night and save money.

  21. Chelsea says:

    I disagree with the idea that coffee is expensive and will make you gain weight. If you buy it at the store and brew it yourself you will NEVER put in as much cream or sugar as you get in Starbucks, and it’s really quite cheap.

  22. brad says:

    @12 daniel

    ellen makes some good points, but again it comes down to what you want to do with the stuff. unfortunately, the rda shouldn’t be a be all end all guide. this was pulled from wiki

    “At that meeting, several speakers stated that the current Dietary Recommended Intakes (DRI’s) were largely based upon the very lowest rank in the quality of evidence pyramid, that is, opinion, rather than than the highest level – randomized controlled clinical trials.”

    there are alot of people who feel the dra doesnt give you enough, especially if you are an active individual.

    when it comes to health, there are a million different places to find a million different views. given enough time i could find 5 articles supporting me and 5 supporting ellen.

    in the end it comes down to what works for you personally. just experiment and see what you like/what works for you. you certainly wont hear me argue against eating breakfast in the morning and im sure ellen won’t protest you making sure you get everything you need and more through a high quality mutli.

    what a happy family we are.

  23. Vicky says:

    @ Chelsea

    I think that depends on how you like your coffee!

    I love mine with a LOT of cream and sugar, chocolate and caramel, and I still put whipped cream on top. It is much cheaper at home, but I’m pretty sure it’s just as unhealthy.

  24. Dan says:

    #11 – While brown-bagging it is a great idea, I recommend not eating at your desk. That suggests to others you are “at work” and they may cut into your lunch hour. We NEED this break for our minds to recuperate. Don’t let people take away that time.

    On the other hand, you can still be productive (but maybe just away from the desk). Benjamin Franklin used to spend his lunch breaks brown-bagging and reading books–he had to self-educate.

  25. Julie says:

    I agree that a daily vitamin can be beneficial. I absolutely hate taking pills and found the adult gummy vitamins. Those taste great, easy to chew and now I never miss taking them! I buy the big generic variety from Target so they are reasonably priced.

  26. michael bash says:

    “The Shopping List” = with a magnet on the fridge door, started on return from a shopping trip. First, the items you couldn’t find/didn’t get on this trip. Add to as the days pass when you see smt. is finished, or soon to. I write items according to the geography of the store; you don’t want to walk 500 miles back and forth. Use the list, i.e. don’t buy other stuff and don’t shop when you’re hungry. Use your market’s newsletter; you may find a sale on something you really use. Check the cashier tape whe you get home – mistakes do happen.

  27. Daniel says:

    @Dan – I completely agree. Go find a bench and get away from the office for a little while. I found a small park nearby where I sit when the weather allows it. There’s nothing like getting completely away from everything for 45 minutes. It does such a great job of splitting up my day that it’s more like two 4 hour periods than one long day.

  28. A dirty windshield can affect aerodynamics? What? Can you provide a source for this information? I can see how a mosquito on my windshield is going to increase drag enough to have any affect on aerodynamics.

    Keeping your windows OPEN increases drag…but a dirty windshield? Source, please.

  29. Susan says:

    I cook up a pot of whole grain spaghetti on a Sunday night and eat it during the week for lunches, snacks, etc. I like it with butter/margarine and a sprinkling of grated cheese. My youngest son also likes it. He eats every couple of hours and having prepared nutritious food cuts down on empty calories, trips to the convenience store for slurpees, etc.

    I think your suggestion to clean my windshields each time I put gas in my car is a good one. Although I live in a part of the world where the nozzle must be held when filling, the wash liquid is free. As a full time working mother with three children who recently completed a Master’s degree, I am fortunate that my life is not so busy that I have to forgo this opportunity due to time constraints. I realize this is not the case for everyone.

  30. Des says:

    I have a suggestion that I know you will dismiss, but hear me out on this: If all you are looking for in soda is the caffeine, why not take a caffeine pill? I know I know, I hear the screams not because it is a pill, but what is the difference between getting your caffeine from a pill or dissolved in a drink? Soda also comes with sugar and chemicals. Try eating better and vitamins by all means, but a bottle of off brand caffeine pills is only a couple bucks.

    If that makes you nervous, you might want to give a second thought to drinking soda or tea for their caffeine content.

  31. Johanna says:

    @Des: My only experience with caffeine pills was when I was in college pulling the occasional all-nighter, but from what I remember, the dose of most pills is very high – something like two strong cups of coffee per pill. Subjecting your body to that kind of dose on a regular basis will raise your tolerance quite a lot. So that’s a reason to save the pills for emergency situations, like the aforementioned all-nighters, rather than for your day-to-day caffeine fix.

  32. brad says:

    #30 Des

    there’s a certain stigma/taboo to taking pills i think.

    and the difference is this, if you take a caffeine pill, you’ve got two cups of coffee worth of caffeine in your system all at once. that’s not quite the same as sipping on a mountain dew for an hour.

    additionally, im not sure the ‘a is in b so concentrated a is ok’ is a valid argument.

  33. Patty says:

    I’ve heard that eating an apple during that afternoon slump or morning wake up works as good as the caffine at getting your mind moving. And as they always say an apple a day…
    Plus fruit is a good substitute for those ‘sweets’ cravings. I know if I bring food I tend to snack on it all day at my desk so I suppose carrot or celery sticks would be better to pack to get me through the day.
    Yes…more water!

  34. Jill says:

    Just a turn the thermostat down disclaimer for those people who use heat pumps to heat their homes: if you’re going to do that on a regular basis, you should buy one of those programmable thermostats that is designed specifically for heat pumps.

    Letting the temperature dip down too low and then cranking it up when you’ve gotten home or up for the morning can cause the system to want to cycle on the insanely expensive to run auxillary electrical heating system to kick on, and that can send your power bill sky high. The programmables for heat pump systems are designed specifically so that the back-up heating system does not kick in, and will instead do a lot better at getting the temperature back up while using the heat pump proper.

  35. Ginger says:

    If at all possible, eat your brown-bagged lunch away from your desk.

    Not only will you not be interrupted (and you will be interrupted, even if you did, as one co-worker, post a sign that says: I’m at Lunch. Not available.)but you’ll hopefully shift/rev up your energy by removing yourself to another place.

    If you can, you should get outside at least 10 minutes or so a day. Especially in the winter. We need air, but we really need light/sun exposure.

    I remember one place I worked where even staffers who never drank coffee took a quick break to get outside and walk down the street to Starbucks just to get some air and light.

    You need to get up and move around at your desk during the day. It helps your energy level (and mental focus) and it protects you from developing blood clots, which come from sitting for extended periods of time–something a lot of office workers now do. Yes, office workers can get DVT!

    Do some stretches at your desk and get up and down every 15 minutes or so. It will make a difference.

  36. @Steven #28 —

    I too find this a bit of a stretch. Mythbusters did a test on the drag of dirt on a car… And it took a LOT of dirt to affect drag enough to the point of a 3 MPG difference. It’s so subtle that you’re never going to notice it among the other things….

    Just keeping your car’s windshield washer fluid level topped off ought to keep you from needing to clean it that often. Rain-X is highly recommended here, worth the extra pennies. ;)

    One note on the tires — Do NOT fill it up based on the PSI on the tire’s sidewall. That lists the maximum pressure the tire can take, not what you should be putting in there. On the inside of the door jamb is a sticker, that will tell you the recommended PSI level, among other things. (Mostly stuff you won’t use other than PSI and maybe paint code.) This is going to give you more of an impact that cleaning your windshield, which should be done anyhow IMO.

  37. Daniel says:

    Brad and Johanna, you guys are my best friends right now.

    @Des, I have to agree with them. The reason I don’t drink coffee or soda is because I wanted something natural. Caffeine pills sound anything but natural. Water is good, but doesn’t keep me alert enough. Tea may be perfect for me. I was hesitant to try the vitamins, but since you’ve all assured me that there are no side effects, I’m going to try that.

  38. Beth says:

    I agree about not eating at your desk for the reasons already listed by other commenters, and because eating in front of a computer screen is as bad as eating in front of the TV when it comes to mindless weight gain.

    Taking a break from the computer is also a good idea to prevent eye strain (computer vision syndrome) which causes headaches and fatigue. Many people are more productive if they get away from their desk than if they worked straight through lunch and breaks.

  39. Yelena says:

    Tip #20 – have something in the freezer for dinner – is right on (ok, the other ones are too).

    Last weekend we were out of town and early this week we were way too busy to go grocery shop. So instead we (actually, I) scrounged around the pantry and creatively used leftovers for 3 days.

    Then today I realized that I didn’t have even the most basic ingredients to cook dinner with (unless I was going to try something weird like pumpkin-refried beans caserole). I was almost resigned to get some kind of take-out or something from a freezer section.

    Which reminded me to look in my freezer. Sure thing, I got some beef stew there – just enough for dinner! Will be going grocery shopping tomorrow, no way around it. So I’m off to writing down my grocery list.

  40. kristine says:

    Also good for an energy boost: 5-hour energy drink- but the decaf version. Hard to find, but it’s out there. The decaf one is just like getting a b-12 shot. Real energy that wears off naturally without a crash. Pricy, though, about 3 bucks/dose, so its for “up all night with a sick kid and have to present at a conference” type scenarios.

    I used no-doze in college and it nearly killed me. Too too many.

    Caveat with any of these- don’t take if you have high blood pressure. It can make your heart race.

  41. busymom says:

    Drinking soda is costly in other ways, too. It literally leaches the calcium from bones — and it is so acidic it is really bad for teeth (a fun experiment is to put a really tarnished penny into a cup of soda -like Coke- and watch how shiny it becomes after just sitting in the soda.) Needless to say, drinking soda daily is not good for one’s health and could lead to medical payments one could possibly avoid.

    To add to the tea discussions above, green tea actually has properties that are thought to protect from bacterial growth. Try organic if possible though as tea crops are pretty heavily sprayed. So in addition to an afternoon boost, you could also be helping prevent decay.

  42. Mia says:

    I like the idea of starting your post workday with a quiet prayer. I think I’ll try that and even extend that into doing a little quiet reading. That sounds like the perfect way to unwind from a long day.

  43. Kandace says:

    While I agree with tip #1, you also need to floss. Flossing will leave your mouth cleaner. It’s the stuff that builds up between your teeth that causes halitosis and flossing will help with that. If you really want a super clean mouth, investing in a Water Pik. Even after brushing and flossing, it finds debris. It also promotes healthy gums, warding off gingivitis.

  44. dugnjes says:

    Great suggestions, Trent. Here’s another idea: cut your own hair. Of course this depends on how fussy you are about your ‘do, but if all you need is a trim, you can get a hair clipper for less than the cost of two visits to the barber. We bought a clipper when we were first married, and it has served both of us and all our kids beautifully–for fifteen years. People are amazed when they learn my wife cuts her own hair. If everybody gets just one home haircut per month, that saves us over $1500 a year! (We have a big family.)

  45. Todd says:

    That’s interesting. I didn’t even know there were states where you have to hold the gas nozzle while you’re filling up–or can’t even fill the tank yourself. (I assume it is to reduce the chance of a spill, correct?) I’ve always lived in the Midwest, and I’ve only been in taxis when I’ve traveled to the coasts. I learned something new today.

  46. elderly librarian says:

    I love to visit Oregon. (and NJ) NO GAS pumping for me! It’s so strange to be forbidden to pump your own gas. It probably saves somebody’s job. I assume that’s why they did it.

  47. ArcAngel says:

    For #6 people may want to try a smart power bar that allows one outlet to control the powers of the others. The one I have on my entertainment unit turns off my PS3, XBOX, Wii, and Stereo components when the TV is off. Three “non controlled” outlets on the same bar allow me to keep my DVR running so it will do recordings.

    I have a similar thing set up for my computer that turns off things like monitors, modems, and external hard drives when the computer is off (or in standby and taking less power).

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Yellow Flower Tank

Yellow Flower Tank
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Yellow Flower Tank
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Take Over Control
Published Jan 18, 2012

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#3mrsimulatorJan 18, 2012

Lovely!! \:rah\:

#4kazzycJan 18, 2012

Fabulous, thank you :wub: :wub: :wub: :rah: :) :) :)

#5matomibotakiJan 19, 2012

Very chic\:rah\:

#6kittkat26Jan 5, 2013

Another item that says free today but then requires a subscription. How fun.

#7GoAgainJan 15, 2013

lovely \:D \:ty\:

#8bellkayJan 15, 2013

Nice outfit! Thank you \:\)

#9cazkore(Spam) Jan 17, 2013

This is marked as spam

#10dreyconan(Spam) Jul 28, 2013

This is marked as spam

Excellent set. Looks great in game. Thanks for sharing this!

#11faith1973caliVIPJul 14, 2014

Love it! Wonderful! Thx!

#12faith1973caliVIP(Spam) Jul 15, 2014

This is marked as spam

Beautiful work!! I love it!! Thank you.

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