The Sandwich Generation - Blog - FamilyWize

Caught in the Middle

The?Sandwich Generation ? is a growing situation.??It describes a generation of people who find themselves caring for elderly parents or relatives while still raising their own children. ?In a difficult and uncertain economy supporting one's own children is challenging enough. ?Adding the care and expense of an elderly parent or parents can be both heartbreaking and financially challenging. ?It's often easy to lose ourselves in the myriad of people that surround us.

Aging Parents - A Growing Dilemma
The??Pew Research Center?reports:

  • 1 in 8 Americans between the ages of 40 and 60 are adult children?caring for an aging parent?and raising own children. ?
  • Between 7 and 10 million adults care for a parent long distance. ?
According to the?U.S. Census Bureau the number of Americans 65 and older will double by the year 2030, to over 70 million.

Carol Abaya, nationally recognized as an expert in eldercare, breaks down the sandwich generation into three categories:

  1. Those who care for their own children and care or help with their aging parents as well.
  2. Those in "their?50's and 60's caring for elderly parents, their grown children and their grandchildren. Adults in their 30's and 40's who care for their own small children, elderly parents and grandparents."
  3. Any one else involved in elder care.
Living with Elderly Parents

It is often unexpected and can turn your life upside down.

My story: ?After a frantic search for my keys, tripping over my cats to the front door, and already late for work, my phone rings. ?It is my mom's car dealership. "I hope I'm not overstepping anything here, but we just took your mom home." ?My heart is in my throat thinking something terrible has happened. ?Well, yes and no. Mom was not hurt or in an accident. ?However, she took her car over because she thought she had gotten a call that it was due for maintenance. ?The dealership had not called. ?But when she arrived, the agent noticed that she seemed confused and could not get her car to shut off.? Worried that she should not be on the road, they told her they would look the car over for her and change the oil and shuttle her home. ?Then they called me. ?My mother never drove again after that. ?After a few weeks and an escalating issue with her breathing, she was hospitalized for pneumonia. ?During that time, a CAT scan revealed that she had suffered several mini-strokes. ?She was developing Dementia. ?I suddenly found myself sandwiched between my own home in the city, hers in the suburbs, a two-hour drive in traffic, and a job that did not allow employees to call out sick.?

I quickly realized my mom would not be able to live on her own, which meant drastic changes to life as I knew it:

  • I had to rent my house, quit my job, and move in with her.?
  • I also realized that I was going to need a lucrative income without leaving my home. The challenge was to find other, less conventional ways of earning a living from direct sales to consulting and writing.?
  • I also need flexibility for doctor's appointments, my mom's ups and downs and my need to include her in my travels outside the home because she cannot be left alone.?
Elder Care - A Family Affair

Sandwich GenerationThe responsibility of caring for an aging parent or spouse did not single me out. ?Both my aunt and my cousin joined the sandwich generation together. ? On Thanksgiving night about six years ago, my cousin showed up at my house with suitcases in hand and her young son. Normally she showed up with a side dish, this year she brought a family! ?My aunt found herself joining the ranks of the Sandwich Generation when she had to care for her disabled husband, her daughter and grandson. And her daughter raises her young child while sharing in the care of an elderly parent.

Both women work full time jobs and struggle with the demands of their careers. ?Sharing in the daily care of my uncle, they are challenged with navigating the ever-changing Medicare system and his worsening condition. ?Neither of them thought they would be in this situation.

Common Eldercare Situations

  • Recently, my uncle chose to stay late at elder care, without notifying my cousin who needs to take her son to team practice. ?Because she had to wait for her father's bus to help him into the house, her son was late. Dementia has diminished his ability to use a house key to let himself in.
  • I have experienced this with my mother. She knows how to lock a door, and has often locked me out! But unlocking the door is a challenge.? My mother sometimes stands at the window, smiling at me, but doesn't understand that I need her to let me in.? In this situation, it's really important to remember your key at all times!
My cousin and I laugh at the numerous times we've been locked out and our parents don't answer the door.

Elderly Parent's Care
My one friend who is?dealing with elderly parents?has the additional pressure of caring for her aging parents from a distance. ?We often miss the simple things like children or grandchildren's events due to travel, appointments, and?the unpredictability of dealing with an elderly parent. ?Despite the sacrifices,?we consider it a privilege and agree that there is nothing else we'd rather be doing than caring for elderly parents.

As the population ages, and more adult children dealing with aging parents join the sandwich generation, the need for resources that can provide emotional support, financial, medical, and other social services will also grow.? Tomorrow's article, The Sandwich Generation - Tips for Living with Elderly Parents will provide links for resources that can help us build healthy sandwiches, filled with ingredients that aid us to meet the challenges of the most important job we'll ever do.

Caroline Carr
Full Time Caregiver and Contributing Writer

Source: http://blog.familywize.org/2012/07/the-sandwich-generation-first-hand.html

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Source: http://www.writersgps.com/useful-tips-to-invest-in-digital-objects.html

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American pleads guilty to trying to export missile parts to Iran

CHICAGO (Reuters) - A California man pleaded guilty in Chicago on Thursday to a felony charge of trying to illegally export missile parts to Iran, which the United States says is working to build nuclear weapons.

Andro Telemi, 42, faces a maximum penalty of 20 years in prison and a $250,000 fine. He pleaded guilty without entering into an agreement with the government.

Telemi, a naturalized U.S. citizen from Iran, had been indicted in 2009 along with Iranian national Davoud Baniameri, 39, also of California. Baniameri pleaded guilty last year and was sentenced to four years in prison.

The United States prohibits U.S. citizens from business dealings with the government of Iran, and has recently put in place new harsh penalties for banks that deal with the nation. Congressional negotiators are working on new sanctions aimed at further restricting Iran's oil revenues.

Iran's relations with the United States have been strained since an Islamic revolution toppled the U.S.-backed Shah of Iran in 1979 and Shi'ite Moslem militants seized the U.S. embassy and took 52 Americans hostage for 444 days.

The United States says all options are the table to prevent Iran from building a nuclear weapon. Tehran says it is developing nuclear technology only for peaceful applications.

According to the Telemi's plea and court records, Baniameri contacted Telemi sometime before August 17, 2009, to ask for help in buying and exporting 10 connector adapters for anti-tank guided missile systems to Iran via Dubai. Telemi agreed and they negotiated the purchase from an Illinois company, not knowing that it was controlled by law enforcement.

Telemi knew he needed a license from the U.S. government to export the adapters, and did not have one, according to the U.S. Attorney's office.

"Our national security is threatened when anyone attempts to illegally export restricted military components that could fall into the wrong hands," Gary J. Hartwig, special agent-in-charge of Homeland Security Investigations in Chicago, said in a statement.

An attorney for Telemi was not immediately available for comment.

A third defendant, Syed Majid Mousavi, an Iranian citizen, remains a fugitive and is believed to be in Iran, according to the U.S. Attorney's office.

(Editing by Mohammad Zargham)

Source: http://news.yahoo.com/american-pleads-guilty-trying-export-missile-parts-iran-175225990.html

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Asian markets mostly up on upbeat earnings

Asian markets mostly rose Thursday following upbeat earnings results in the region and the United States, while eurozone fears eased slightly on hopes over the funding of future bailouts.

The first gain for the Dow in four sessions also provided some support but the euro gave up some of the rare recent gains it had made in New York currency trade.

Tokyo's Nikkei index closed 0.92 percent, or 77.20 points, higher at 8,443.10, as investors sought out cheap buys after the benchmark hit a seven-week low on Wednesday, said Fumiyuki Nakanishi, SMBC Friend Securities' head of investment and research.

Sharp closed up 0.76 percent at 262 yen after recouping losses on a report the consumer electronics firm may cut 15 percent of its workforce.

Olympus jumped 9.63 percent to 1,400 yen after medical equipment maker Terumo said it offered to make a $640-million capital injection in the scandal-hit firm and merge under a holding company.

Brokerage giant Nomura Holdings rose 5.71 percent to 259 yen after media reports that chief executive Kenichi Watanabe would step down over an insider trading scandal.

Nomura said after the market close that its net profit dived 89.4 percent year-on-year to 1.89 billion yen in the three months to June as commission income fell in retail business while net gain on trading shrank.

Canon plunged 7.76 percent to 2,470 yen after the export-dependent cameras and office equipment maker lowered its profit outlook for 2012.

Meanwhile, the Seoul market was up 0.74 percent, or 13.16 points, at 1,782.47, and Sydney gained 0.58 percent, or 23.8 points, to 4,147.7.

Hong Kong ended flat, edging up 0.08 percent, or 15.46 points, to 18,892.79, while Shanghai eased 0.48 percent, or 10.15 points, to 2,126.00.

Regional investors followed the lead from the Dow and most European markets after Spanish borrowing costs fell slightly after hitting record highs on the back of fears Madrid will ask for a bailout.

The yield on Madrid's 10-year bonds eased to a still-high 7.376 percent after soaring to as much as 7.621 percent at one point.

Dealers were given some comfort after Austrian central bank chief Ewald Nowotny, a member of the European Central Bank governing council, said the soon-to-be launched European Stability Mechanism rescue fund might be granted a banking licence.

That would allow the fund to exchange bonds for ECB cash, bolstering its capacity without governments having to contribute additional funds.

Traders have been growing increasingly concerned that a possible rescue for Spain could cost hundreds of billions of dollars, which leaves very little in the pot to help other troubled economies.

"Giving the ESM a banking licence would allow it to expand its firepower," CMC Markets chief market strategist Michael McCarthy in Australia told Dow Jones Newswires.

"The sell-off this week was related to the failure of the eurozone to make any improvement in the structural process of directly aiding Spanish banks."

But there was still plenty of gloom in Europe. In Germany a survey showed business confidence dropped for the third month in a row in July while Britain said its economy shrank a worse than expected 0.7 percent in April-June deepening the country's double-dip recession.

On Japan's Nikkei, videogame maker Nintendo posted healthy gains of 3.19 percent after saying later Wednesday that its first-quarter losses were much lower than at the same time last year.

And industrial robotics firm Fanuc surged 5.32 percent after saying earnings for the April-June period were better than expected.

The earnings figures were followed by strong results on Wall Street from construction giant Caterpillar and airplane maker Boeing, which helped the Dow advance 0.47 percent on Wednesday.

In Sydney flagship carrier Qantas jumped 9.6 percent after it said it was in talks with Emirates and other airlines about a possible tie up to save its struggling international arm.

On currency markets the euro bought $1.2145 and 94.98 yen in afternoon Asian trade, compared with $1.2153 and 95.04 yen late Wednesday in New York, where it had made big gains from the previous session. The dollar was at 78.18 yen from 78.19 yen.

Oil prices were down. New York's main contract, light sweet crude for delivery in September, dipped 34 cents to $88.63 a barrel in the afternoon while Brent North Sea crude for September delivery fell 38 cents to $104.00.

Gold was at $1,604.23 at 0850 GMT from $1,592.40 late Wednesday.

In other markets:

-- Taipei was down 0.12 percent, or 8.44 points, at 6,970.69.

Hon Hai Precision lost 1.71 percent to Tw$80.5 and Taiwan Semiconductor Manufacturing Co rose 2.28 percent to Tw$76.3.

-- Manila closed 0.18 percent, or 9.24 points, lower at 5,152.56.

Philippine Long Distance Telephone slipped 0.22 percent to 2,674 pesos but Ayala Corp. 0 rose 0.39 percent to 412.60 pesos.

-- Wellington rose 0.77 percent, or 26.77 points, to 3,485.74.

Fletcher Building was up 2.3 percent at NZ$5.90, Air New Zealand gained 0.6 percent to close at NZ$0.90 and Telecom Corp lifted 0.2 percent to NZ$2.57.

Source: http://news.yahoo.com/asian-markets-mostly-upbeat-earnings-105010033--finance.html

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Volkswagen Q2 earns jump 18 percent

FRANKFURT, Germany (AP) ? Stronger demand from North America and the world's developing markets helped German automaker Volkswagen record an 18 percent jump in second-quarter earnings.

Net profit for the April-June period increased to ?5.64 billion ($6.84 billion) from ?4.78 billion a year ago. Revenues increased 19 percent to ?48.1 billion.

The Wolfsburg-based manufacturer said that worldwide demand for cars increased in the second quarter in the US, China, Russia and India, and would rise again in the second half of the year ? but at a slower pace.

Volkswagen warned the car market would shrink in western Europe, where economies are slowing due to spending cutbacks and consumer worries due to a crisis over too much government debt.

The company also reported an earnings increase of 36 percent for the first six months, while revenues rose 23 percent to ?95.3 billion.

"We can be satisfied with our business performance in the first six months," CEO Martin Winterkorn said in a statement. "Our strong position on world markets will help us to exceed the development of the overall market despite the challenging environment."

Volkswagen has outperformed other European mass-market carmakers, who are struggling with weak pricing and markets depressed by slow growth and high unemployment in countries such as Spain and Italy. It enjoys a strong business in China and reaps higher margins from its Audi luxury brand.

The net profit figure easily beat analyst estimates compiled by FactSet of ?2.79 billion. Operating earnings, however, increased by a smaller 3.4 percent to ?3.28 billion and fell short of expectations for ?3.29. Operating earnings exclude financial items such as interest and taxes and are sometimes considered to show a clearer picture of how a company's basic business is developing.

Slower increases in operating earnings and the caution regarding Europe helped weigh on shares, which fell 3.6 percent to ?124.20 in midday trading in Europe.

Source: http://news.yahoo.com/volkswagen-q2-earns-jump-18-percent-084911389--finance.html

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Investors demand hedge funds show clean hands on Libor

LONDON (Reuters) - Investors are pushing some of the world's biggest hedge funds to show that their traders played no part in the interest rate rigging scandal plaguing major banks.

These hedge funds have responded with in-depth internal probes which they hope will assure investors that they did not collude with the banks, are completely clean and will not become embroiled in the affair, people familiar with the funds said.

Regulators across the globe are investigating whether banks tried to rig the London interbank offered rate, a benchmark used to set the price of trillions of dollars of financial products.

None has publicly confirmed they are looking into the activity of hedge funds or alleged any wrongdoing by them.

However, some investors are so concerned about the reputational damage and the difficult questions their own clients would pose if hedge funds they had invested in were to be implicated that they are demanding the managers show they have a clean record.

"It's something they have to investigate and something we've been talking to our managers about to make sure they didn't do anything untoward," said one source who works closely with investors in hedge funds.

Hedge funds play no part in setting the benchmarks, which are determined by a group of major banks, but even knowing in advance how the rates would change could be profitable for funds employing a range of trading strategies.

The calls from investors for funds to show they are clean spotlight just how dramatically the relationship between hedge fund manager and investor is changing.

Long-renowned for their secrecy, the largely unregulated sector has sucked in billions of dollars of cash from big, mainstream institutions such as pension funds in recent years. These investors demand much more transparency than the high-rolling wealthy individuals who were once their primary backers.

Hedge fund managers are not the only ones facing investor pressure to come clean. Shareholders are also clamoring for big banks to conduct Libor-related due diligence so that they can provide guidance on the size of potential fines and legal costs.

HUNT FOR EVIDENCE

Declining to name specific managers, the source said he had approached the funds in which his clients invest for assurances they were not implicated. Those funds are global macro funds, which bet on major trends and invest in different assets.

He found that they had spent at least the past six months trawling through emails, voicemails and phone calls their traders made during the relevant periods.

At least one fund has employed a sophisticated computer algorithm: to discover whom its traders talked to and whether, during the course of those conversations, they discussed Libor fixings with traders at banks.

Britain's Financial Services Authority (FSA) said traders at Barclays, which last month reached a $450 million settlement with U.S. and British regulators over attempted manipulation, sought to rig rates as far back as January 2005.

Some hedge funds - such as macro funds and those with so-called relative value fixed income strategies - make bets on "spreads" related to Libor. Knowing where the rates were set before publication would have been a trading advantage.

"Yes, people are looking into the matter," one hedge fund of funds executive said, when asked whether the hedge funds he had invested in were conducting internal probes on Libor.

However, the investor cautioned that because it is unclear about the extent to which Libor was successfully manipulated "things are fairly up-in-the-air at the moment."

A third source, who invests directly in macro funds, said he has been comforted by reassurances from managers that they had robust compliance systems in place and would be surprised to learn of any collusion with traders at banks.

An ex-trader for Royal Bank of Scotland has alleged that Brevan Howard, one of Europe's biggest hedge funds, asked his former employer to change the Libor rate in 2007, court documents filed in Singapore in March show.

Brevan declined to comment. The fund is not a named party in the court case and is not being sued for any wrongdoing. RBS declined to comment.

In documents released last month, Britain's regulator published a communication from March 2007 between a hedge fund trader and a Barclays staff member known as "Trader E" which suggested the hedge fund employee was aware Barclays tried to manipulate the Euribor rate, another global benchmark.

The hedge fund trader appears to warn Barclays about setting the three-month rate very low, saying it made trading in the three-month International Money Market - where interest rate futures contracts are bought and sold - dangerous.

"It does draw attention to you guys. It doesn't look very professional," the hedge fund trader said.

It was not clear whether this knowledge helped the hedge fund trader to make any financial gain.

Bank rate-setters may have attempted to rig Libor to paint a better picture of their bank's health, or because derivatives traders requested specific rates to help their positions.

Many hedge funds have hired former interest rate traders from banks to help manage their portfolios in recent years.

Japanese regulators last year found that two Citigroup employees were involved in attempted manipulation of the yen-denominated Libor rate. It did not identify the traders but sources familiar with the situation named one of them as Christopher Cecere, who now works at Brevan Howard in Switzerland.

In an interview with Reuters in February, Cecere said he left Citigroup voluntarily with full bonus and that he has not been questioned by regulators. Japan's Financial Services Agency declined to comment.

The Financial Times newspaper reported last week that regulators are looking at possible links between Christian Bittar, who worked at Deutsche Bank at the time and now works at hedge fund firm BlueCrest, and an ex-Barclays employee who tried to rig Europe's benchmark interest rate.

BlueCrest, a $30 billion-plus firm run by ex-JP Morgan trader Mike Platt, confirmed Bittar works there but declined to comment further. Bittar could not be reached for comment.

PICKING UP NICKELS

For most traders, a small move in Libor might make little difference.

But advance knowledge of changes to the rates could have meant big gains for so-called fixed income relative value traders.

Their strategy involves betting that tiny price dislocations in markets will correct themselves over time. The traders boost returns with huge levels of borrowing.

But the strategy, once likened to picking up nickels in front of a steam roller, is best known for helping bring down the Long Term Capital Management hedge fund in 1998.

Funds using the strategy were big players in trading Libor-linked spreads in the run-up to the 2008 financial crisis, industry sources say, before many crashed out from the high-rolling game.

One of the more common Libor-linked instruments traded by hedge funds is the so-called Libor/OIS spread.

This typically measures the difference between the three-month Libor interbank lending rate and expected central bank lending rates, as measured by overnight indexed swaps. The spread is a common gauge of credit risk and market stress.

The spread usually trades around 10 basis points but it spiked to a record high of around 365 basis points at the height of the financial crisis in October 2008, handing a healthy profit to hedge funds that bet it would widen.

Last month Britain's FSA said Barclays' "Trader E" indicated as early as December 2006 that he would benefit from a particular spread between three month Euribor and the EONIA rate, also an indicator of financial stress.

Barclays declined to comment.

The difference between three month Euribor and EONIA rates was less than 25 basis points in early 2007. It had reached more than 170 in late 2008.

Libor rates submitted by banks are compiled by Thomson Reuters, parent company of Reuters, on behalf of the British Bankers' Association (BBA).

Despite the calls for hedge funds to investigate possible involvement, investors know there is only so much they can do to ensure managers were not caught up in the scandal.

"We spend a lot of time with managers to make sure that we are comfortable with them," Guy Davies, head of European equity at FundQuest, the multi-management unit of BNP Paribas Investment Partners, said.

"We hope we are dealing with good quality people from both an investment and ethical perspective. Other than that, there's not much more that a multi-manager can do," he added.

(Reporting by Tommy Wilkes; additional reporting by Sinead Cruise and Laurence Fletcher; Editing by Alexander Smith and Matthew Tostevin)

Source: http://news.yahoo.com/investors-demand-hedge-funds-show-clean-hands-libor-181354697--sector.html

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Source: http://golfhotdeals.blogspot.com/2012/07/innisbrook-classic-stay-and-play.html

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AP source: Miami trading Hanley Ramirez to Dodgers

NEW YORK (AP) ? A person familiar with the deal says the Miami Marlins have worked a multiplayer trade to send former NL batting champion Hanley Ramirez to the Los Angeles Dodgers.

The person spoke to The Associated Press on condition of anonymity because there was no official announcement.

The Dodgers will also get reliever Randy Choate while the Marlins will receive pitcher Nathan Eovaldi and a minor leaguer.

Multiple media outlets reported the trade late Tuesday night.

Source: http://news.yahoo.com/ap-source-miami-trading-hanley-ramirez-dodgers-073235856--mlb.html

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New method to find novel connections from gene to gene, drug to drug and between scientists

ScienceDaily (July 24, 2012) ? Researchers from Mount Sinai School of Medicine have developed a new computational method that will make it easier for scientists to identify and prioritize genes, drug targets, and strategies for repositioning drugs that are already on the market. By mining large datasets more simply and efficiently, researchers will be able to better understand gene-gene, protein-protein, and drug/side-effect interactions. The new algorithm will also help scientists identify fellow researchers with whom they can collaborate.

Led by Avi Ma'ayan, PhD, Assistant Professor of Pharmacology and Systems Therapeutics at Mount Sinai School of Medicine, and Neil Clark, PhD a postdoctoral fellow in the Ma'ayan laboratory, the team of investigators used the new algorithm to create 15 different types of gene-gene networks. They also discovered novel connections between drugs and side effects, and built a collaboration network that connected Mount Sinai investigators based on their past publications.

"The algorithm makes it simple to build networks from data," said Dr. Ma'ayan. "Once high dimensional and complex data is converted to networks, we can understand the data better and discover new and significant relationships, and focus on the important features of the data."

The group analyzed one million medical records of patients to build a network that connects commonly co-prescribed drugs, commonly co-occurring side effects, and the relationships between side effects and combinations of drugs. They found that reported side effects may not be caused by the drugs, but by a separate condition of the patient that may be unrelated to the drugs. They also looked at 53 cancer drugs and connected them to 32 severe side effects. When chemotherapy was combined with cancer drugs that work through cell signaling, there was a strong link to cardiovascular related adverse events. These findings can assist in post-marketing surveillance safety of approved drugs.

The approach is presented in two separate publications in the journals BMC Bioinformatics and BMC Systems Biology. The tools that implement the approach Genes2FANs and Sets2Networks can be found online at http://actin.pharm.mssm.edu/genes2FANs and http://www.maayanlab.net/S2N.

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Story Source:

The above story is reprinted from materials provided by The Mount Sinai Hospital / Mount Sinai School of Medicine, via EurekAlert!, a service of AAAS.

Note: Materials may be edited for content and length. For further information, please contact the source cited above.


Journal Reference:

  1. Ruth Dannenfelser, Neil R Clark, Avi Ma'ayan. Genes2FANs: connecting genes through functional association networks. BMC Bioinformatics, 2012; 13 (1): 156 DOI: 10.1186/1471-2105-13-156

Note: If no author is given, the source is cited instead.

Disclaimer: This article is not intended to provide medical advice, diagnosis or treatment. Views expressed here do not necessarily reflect those of ScienceDaily or its staff.

Source: http://feeds.sciencedaily.com/~r/sciencedaily/~3/bJjhUQRzFJs/120724171308.htm

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Learning To Tell the Time Would Have Been So Much Easier With a One-Handed Watch [Watches]

Even though most of us grew up in a time when digital watches were the norm, learning how to read an analog clock face is a handy skill that would have been far easier to master were there only one moving hand like on these lovely Defakto watches. More »


Source: http://feeds.gawker.com/~r/gizmodo/full/~3/nzgZ-cTwBXE/learning-to-tell-the-time-would-have-been-so-much-easier-with-a-one+handed-watch

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