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The Important Entrepreneurship Lesson From Jessica Alba And Sarah Michelle Gellar
Both women had careers as actors, but they were inspired to start businesses based on personal needs.
Jessica Alba and Sarah Michelle Gellar both had successful careers acting on television shows and starring in movies, but now the women spend their time as the founders and creative leaders of startups.
Alba is the chief creative officer of The Honest Company, which creates and sells what it brands as non-toxic goods such as laundry detergent, makeup and baby products and was recently valued at $1.7 billion. Gellar is the chief brand officer of Foodstirs, which launched last October with a line of organic baking mixes.
Related: 13 Female Entrepreneurs Rising To The Top
What do the two women have in common? While raising children, both encountered a problem that no existing business was addressing. Alba sought products that didn't contain potentially harmful chemicals, and Gellar wanted an easy way to bake with her kids using healthy ingredients.
"I really found a need that wasn't being met," Alba said Saturday during Martha Stewart's fifth annual American Made Summit in New York City. "I was just frustrated with government and bureaucracy. I knew I had to create a business that suited my needs."
For Gellar, launching her own business was also a way to spend more time with her children.
"I didn't want to miss a moment," she said at the Summit. "I wanted to control my destiny."
Both of these women's founding stories serve as an important reminder: Before you pursue a business idea, make sure it's something you care about, and that you will offer something unique.
"When you think of starting a company, you can't do a me-too company," Alba said. "Really understand what you're doing that nobody else is doing. Care about the details."
Related: Make A Distinctive Impression With House Of Janine
While both Alba and Gellar admitted that being famous helped them get a head start, both said that they faced challenges as women and because of their celebrity status.
"'Oh, Buffy bakes? Great…'" Gellar joked about reactions to her idea from investors and partners. But she said that she relishes the challenge.
"We are shaking up a $5 billion category that hasn't been touched," she said of the baking ingredients market. "It's a tough road, but man is it satisfying."
This article was originally posted here on Entrepreneur.com
21 Choices Millionaires Make That You Aren't Making But Should Be
Besides thinking differently, you have to work harder to achieve the kind of financial success you're after. These millionaire tactics can help you.
Here are 21 choices the world's wealthy make that have brought them to and kept them at the top of their finances and lives:
From the moment you get out of bed, you're defining your own financial future. Without even thinking about money, the decisions you make in every aspect of your life affect how close you get to attaining more than just comfort, but real wealth.
Thinking big must come naturally
Whether you think you can or whether you think you can't, you're right. Henry Ford knew what he was talking about. From a gasoline-powered horseless carriage, to the cars we drive today, no one would have blamed him for thinking his ideas were far-fetched – but he did it anyway.
If not you, then who? That's how rich people think, asks T. Harv Eker in his book Secrets of the Millionaire Mind.
The only thing standing between you and your first million is your mindset. Small thinking produces small results, and aiming low won't get you where you want to go.
They invest in their physical and mental health
Self-development is a choice – and you're probably not making it. Balance is key when climbing your way to success, so skipping gym in favour of burning the midnight oil or sleeping in could be harming your efforts.
According to Thomas Corley in his book Change Your Habits, Change Your Life, cardio is not only good for the body, but also the brain.
"It grows the neurons (brain cells) in the brain," he says. "Exercise also increases the production of glucose. Glucose is brain fuel. The more fuel you feed your brain, the more it grows and the smarter you become."
Join 76% of some of the world's wealthiest who work out at least 30 minutes a day.
Getting a head start gets them going
Squeezing in a cardio session a few days a week requires you to make time, so getting up early is a prerequisite.
How early? Try three hours before you're due at work. This give you time to navigate the inevitable daily disruptions that could so easily derail your day.
These disruptions have a psychological effect on us, says Corley. "They can drip into our subconscious and eventually form the belief that we have no control over our life," he explains.
Getting up early affirms that you're in control of your life and that confidence alone is enough to get you through the day.
They know they're in control
You can either let things happen to you or regain the reins on your life. Rich people do the latter, as Eker explains:
"You have to believe that you are the one who creates your success; creates your mediocrity, and your struggles around money and success."
It comes down to a mindset shift that can only be achieved when you acknowledge the power you possess over your life, and the direction in which it's headed.
The risks they take are calculated
While average people play it safe, the rich know that every investor loses money on occasion, and there's always room to make more cash.
"One group stays awake worrying about losing what they have, while the other can't sleep because they're dreaming of what's possible," Corley says.
Making money is never going to be guaranteed, but knowing what 'good' risks to take can make you wealthy.
Money doesn't come first for them
The reason they keep going to almost insane levels is that wealthy people are doing what they love to earn the money they have.
You've heard people say you need to find a job you don't need a vacation from – well, that's the secret to getting and staying rich. Do what you love and then find a way to get paid for it. It's not about doing a job you hate just for the money.
"Members of the middle-class have been trained in school and conditioned by society to live in a linear thinking world that equates earning money with physical or mental effort," says self-made millionaire Steve Siebold.
They are bigger than their problems
A bad day doesn't mean a bad life, and no one knows this more than financially successful people.
The routine you read about being so important earlier can easily get derailed, and you have to make a conscious decision not to ruin your day. Focus on your goals instead, says Eker: "The road to wealth is fraught with traps and pitfalls, and that's precisely why most people don't take it. They don't want the hassles, the headaches, and the responsibilities. In short, they don't want the problems."
He says the secret to success is to grow yourself so that you're bigger than any problem you may encounter.
Their inner circle is also rich
This is more than just about birds of a feather flocking together. The right crowd comprises positive and successful people. This motivates you to do better as you're surrounded by inspiration, proving it can be done.
According to Eker, the fastest and easiest way to create wealth is to learn exactly how rich people, who are masters of money, play the game. Be grateful to have a template for success instead of being jealous of their achievements.
Opportunities are their main focus
What's your outlook on challenges? Successful people see opportunities where the average person would see an obstacle. They're always focused on what they can learn from something instead of worrying about the negative impact it may have on their plans.
Peak performance coach Phil Drolet believes that rich people choose to see everything as a blessing; as a stepping stone for something greater.
"That way, you can start developing the mindset that will lead you to exceptional wealth," he says.
They don't use their own money
It's said it takes money to make money, but no one said it had it be your own. "Rich people know not being solvent enough to personally afford something is not relevant," says Siebold.
"The real question is, 'Is this worth buying, investing in, or pursuing?' The truth is you have to have great ideas that solve problems to make money. If you do, you will attract money like a magnet."
Investors don't feel like they're giving away their money, but helping solve a problem. It's a win-win situation.
Despite fear, they act
"If you want to create your greatest life, you have to tame the beast of fear," says Drolet. "Fear will never completely go away, but it's the ability to 'feel the fear and do it anyway' that separates those who create their dream life and those who simply dream about it."
That's why wealthy people are few and far between – they face their fears, acknowledge them, and get on with it. It's the only way to learn and grow.
Their money works for them
You've worked so hard for the money you have now. You don't have to keep working as hard to grow it substantially. Passive income is the best tool to building your wealth, so don't just keep your money in that investment account – invest it so it works for you (almost) as hard as you worked for it.
Money in the bank won't make you rich, and successful people know that. It's of no use if it's waiting for you to need it, when it could be multiplying right now.
Their net worth trumps money in the bank
Net worth is a combination of your income, savings, investments and cost of living – not how much is in your bank account right now.
Eker explains that your net worth is the financial value of everything you own and that's why it's the ultimate measure of wealth: "If necessary, what you own can eventually be liquidated into cash."
Successful people, therefore, focus on optimising what they earn, how much they spend and their savings and investments to acquire and keep their wealth.
They know not all assets are equal
"Things don't make you rich. Image doesn't make you rich." Financial planner Ian van Greunen learnt this valuable lesson from his father when he started working. "He told me that a good suit has its name on the inside."
He notes that wealthy people don't have fancy lifestyle choices that put them in a negative vortex of spending on assets that don't appreciate.
Flashy cars and high-end labels make you look and feel good, but they're not part of the bigger picture you're trying to achieve, right?
Even their smallest decisions are smart
Your spending habits could be standing in the way of you becoming wealthy. That latte from the coffee shop every morning. That sandwich from the deli every day. That pack of cigarettes that could be costing you up to R1000 a month. They add up.
"Assuming that you work for 40 years, you would spend R480 000 on cigarettes over the course of your working life," Van Greunen theorises. But, what if you invested that same amount instead?
"Assuming inflation rates of 5% and that we could invest that money to achieve a real return 5%, if we took that smoking habit and invested it over 40 years you would accumulate R6 million," he says.
So, consider this: What is the real cost of your spending habits?
They choose property wisely
Property is only an asset if you're making money from it. If you're going to purchase an expensive home, ensure it's going to appreciate enough for you to benefit off its sale, or that you're able to rent it out and make a sizeable return – you can even do both.
Van Greunen, however, recommends the home you live in should be modest, like most of the world's wealthy. "You do not become a millionaire by living in a million dollar house in a million-dollar suburb," he says. "Most millionaires buy existing homes in the average suburb."
He suggests this formula to determine how much you should be spending: "Take your total household income per annum and multiply that by three. This should be the highest amount you spend on a home."
The things that make them rich would surprise you
Some of the highest paid professionals in South Africa still don't save enough. Why? Because having a high income doesn't mean you're wealthy.
"Wealthy people, as much as they hate doing it, run their lives every month on a budget," says Van Greunen.
If that sounds like too much admin, consider how much longer it'll take to reach your financial goals if you're not monitoring the ins and outs of your money. And if you think your money isn't a big enough sum to manage, you're wrong.
"The habit of managing your money is more important than the amount," says Eker.
They aren't concerned with humility
You know your capabilities, can name all your achievements and probably know your worth. So why shouldn't everyone else? Self-promotion isn't a bad thing – just ask all the successful people who promote themselves, their ideas and their products with enthusiasm.
Believe it or not, you can do this without (most) people thinking your ego is as big as the amount of money you're looking to get them to spend.
There's even an award for it that author Tim Ferriss won in 2008: The Greatest Self-Promoter of All-Time.
They're committed to making money
Working hours are going to get longer if you want your earnings to get larger. If you're not going all in, it'll be evident in the result of your money-making efforts.
"Getting rich takes focus, courage, knowledge, expertise, 100% of your effort, a never-give-up attitude, and of course a rich mindset," Eker notes. "Rich people are unwavering in their desire to attain wealth. As long as it's legal, moral, and ethical, they will do whatever it takes to have wealth."
Clarity is key, as Drolet says, you have to be absolutely clear in your mind that you'll create exceptional wealth, and you will.
They are trailblazers
"You can't sit with us" is music to a successful person's ears. They're going to find a new table and get other people to sit with them, because who wants to be part of the herd when you can lead your own?
According to Corley, failure to separate yourself from the herd is why most people never achieve success. "We so desire to blend in, to acclimate to society, to be a part of the herd, that we will do almost anything to avoid standing out in a crowd," he says.
You don't need to be popular to be great. Everyone's doing one thing, so naturally doing something else, you really care about, should earn you greater success.
They're in it to win it
Most people want to have just enough to cover their living expenses, go out once in a while and vacation somewhere nice once a year.
If you think like this, that's all you're going to get. Aiming to be financially comfortable isn't enough, because you're going to make just enough to survive and not a cent more, says Eker.
Next slideshow: 8 Rules To Build Wealth When You Weren't Born Into Money
Personal Finance
8 Rules To Build Wealth When You Weren't Born Into Money
Use these eight rules to build wealth when you weren't born into money. The harder you work at these rules the closer you'll get to achieving the wealth you want.
Here are eight rules to build wealth when you aren't born into money
99% of people aren't born into wealth, and have to work their whole lives to achieve six-zero figure financial freedom.
"If something is important enough, even if the odds are against you, you should still do it," says Elon Musk. The path to wealth, for numerous people, is complicated and filled with obstacles and is unique to their specific circumstances, But, their determination to reach their goals allows them to make the money they always wanted to make.
You'll need to make smart decisions in your personal and professional life to build your wealth up over time. "Great wealth builders focus on both saving money and earning more," says Todd Tresidder of FinancialMentor.com. It's a twofold system that you'll have to operate the best of your ability.
Rule 1: Pay off high-interest debt
Your first step to achieving wealth is to settle outstanding debt. If you're holding significant debt, you won't be able to make new investments or buy assets. You'll find yourself spending all your disposable income on paying off the interest and never really getting to the principle amount. This puts you in a circle of debt where you never make any progress.
"Financial peace isn't the acquisition of stuff. It's learning to live on less than you make, so you can give money back and have money to invest. You can't win until you do this," says Dave Ramsey.
Once you've dedicated more money to servicing debt, and you've paid off high-interest accounts, you can progress to investments and saving larger portions of your salary. You can now use your excess debt instalments for your investments, and the interest you're earning will now build on your wealth instead of taking away from it.
Rule 2: Always have money left at the end of your month
This rule is an easy concept, but challenging to put into practice. If you want to grow your wealth, you'll need to ensure your monthly expenses are less than your monthly income. "It's not how much money you make, but how much money you keep, how hard it works for you, and how many generations you keep it for," says Robert Kiyosaki.
The key to following this rule effectively is lowering your spending so you can increase your savings. You can start by slowly putting away a certain amount every month. Keep in mind you still need to pay your bills and live comfortably, which means the amount of money you put aside needs to be any extra cash you have left over.
Rule 3: Take advantage of tax-free savings accounts
With a tax-free savings account, you can put aside a specific amount every month that you don't pay tax on. The money you've saved, should you need to withdraw some of it, or all of it, won't be penalised by the taxman. "Try to save something while your salary is small; it's impossible to save after you begin to earn more," says Jack Benny.
Take advantage of this investment offer before your expenses grow along with your salary and you find it difficult to put anything aside.
Rule 4: Develop wealth building habits
You need to adopt habits that lead to wealth and help you to build a solid financial foundation. Multiple, small smart choices consistently conducted over time, will create wealth. But, it needs to be consistent and over a long period of time. "Twenty years from now you will be more disappointed by the things that you didn't do than by the ones you did do," says Mark Twain.
Wealth building is not a get rich quick scheme, it will take years, potentially decades, but if you're diligent you can reach your goals.
Rule 5: Hustle. Hard
You need to work harder than everyone else around you because if working at average speed could grow wealth, everyone would be wealthy.
"There is no such thing as overnight success or easy money. If you fail, do not be discouraged; try again. When you do well, do not change your ways. Success is not just good luck: it is a combination of hard work, good credit standing, opportunity, readiness and timing. Success will not last if you do not take care of it," says Henry Sy.
Hard work will help you to accomplish your wealth making goals. "I still work hard to know my business. I'm continuously looking for ways to improve all my companies, and I'm always selling. Always," says Mark Cuban. You need to always be considering 'how can I work harder?', but also smarter to increase wealth. Don't become complacent about your methods, as it could lead you down a challenging wealth creation path.
Rule 6: Create multiple revenue streams
Investing your savings is a way to create multiple revenue streams. There is also the potential of part-time work, but note that freelance work is growing in popularity amongst those looking to increase their incomes.
"Building wealth is about creating value and then recapturing that value in financial compensation. Whether it's providing services, knowledge, or experience, if you aren't creating value then there's nothing for you to build wealth with," says Jim Wang of Bargaineering.com and Microblogger.com. "This value can also take many forms. It can be actual monetary value or it could be providing entertainment or saving time or reducing headaches. The more creative you are, the more opportunities you'll see."
Rule 7: Know how to manage your money
You need to learn how to work your money so that it benefits you the most. "The single biggest difference between financial success and financial failure is how well you manage your money. It's simple: to master money, you must manage money," says T Harv Eker. Without this skill your money is going to underperform and it will take a lot longer to reach your goals of wealth.
Until you study up and learn how to manage your money, you could try this suggestion from T Harv Eker: "If you don't have the money management skills yet, using a debit card will ensure you don't overspend and rack up debt on a credit card."
Rule 8: Hire expert help
If finance is not your area of expertise, and you've accumulated knowledge but now you need insight that can only be delivered by a professional, then you need to hire them.
"The wealthy person has three best friends: her attorney, her accountant and her adviser. The wealthy tend to use the law and tax code to their advantage when figuring out how to maximise their wealth, especially over multiple generations, and they are not afraid to spend money up front for counsel to get these answers," says Justin Kumar, a portfolio manager. "The wealthy look at value over cost, but they are still prudent in their decisions."
Once you've implemented every rule, start again, ensure that you're constantly working on improving your finances, reducing your expenses, increasing your savings and investments. Once you have the rhythm of wealth-building in your genes, stick with it until you reach your financial goals.
Next slideshow: 20 Things Millionaires Aren't Sharing With You
Personal Finance
20 Things Millionaires Aren't Sharing With You
Want to find the secret sauce that helps regular people achieve wealth? Here are 20 insights that millionaires aren't sharing that can help you become a tycoon too.
Here are 20 secrets to wealth creation that millionaires aren't sharing with you
Millionaires have particular habits and strategies in their daily lives that result in them becoming wealthy.
There are 46 500 millionaires, 2 060 multi-millionaires and 639 ultra-high net worth individuals (+ 30 million) in South Africa, according to Knight Frank's Wealth Report 2016. This shows that more people are figuring out how to achieve financial freedom, but the question remains; how are they doing it?
Spend less than you earn
Over the long run, you'll be better off if you strive to be anonymously rich rather than deceptively poor.
"Financial peace of mind isn't the acquisition of stuff. It's learning to live on less than you make, so you can give money back and have money to invest. You can't win until you do this," says Dave Ramsey, an American businessman, author, radio host, television personality, and motivational speaker.
The more money you don't spend the more you can accumulate and invest, and turn into passive income, which in turn will grow your wealth.
Related: 4 Bad Money Habits That Have Left Millionaires Broke
Keep your focus
You won't become a millionaire overnight, so you'll need to keep your focus and remain patient until it happens.
"If you took our top fifteen decisions out, we'd have a pretty average record. It wasn't hyperactivity, but a hell of a lot of patience. We stuck to our principles and when opportunities came along, you pounced on them with vigour," says Charlie Munger, vice chairman of Berkshire Hathaway.
Numerous millionaires make it to their end goal by saving and investing, and slowly over time they become millionaires. Patience and focus can help you achieve your wealth goals.
Weigh-up value versus worth
The reason people are reaching millionaire status is because they aren't buying the flashy cars and the fancy houses. They've learnt from Warren Buffett's example and they still live in the same house and they still drive ten-year-old sedans.
"Too many people spend money they earn to buy things to impress people that they don't like," said Will Rogers, a stage, motion picture actor and social commentator.
It takes a particular type of person that doesn't care what people think, and is focused on their goal to forgo spending money to impress others.
Related: The 6 Attributes Shared By Young Millionaires
Pay off your monthly debts
As any financially savvy person knows, no matter how much you earn, if you still have debt it's going to eat away at your income.
"The only way you will ever permanently take control of your financial life is to dig deep and fix the root problem," says Suze Orman.
It may not feel like you're moving forward by paying off your debt, but once it's gone everything extra you make can start earning interest and growing your wealth.
Money will never buy happiness
Money does allow you to achieve financial freedom, but remember: "There are people who have money, and there are people who are rich," says Coco Chanel. Money can provide an easier life, but that should not be mistaken for happiness, you'll need something else to drive you to achieve millionaire status.
"Happiness is not in the mere possession of money; it lies in the joy of achievement, in the thrill of creative effort," Franklin D Roosevelt said.
Related: (Slideshow) Best Advice From Self-Made Millionaires
Financial freedom is a mind-set
Financial freedom is a state of mind that comes from being debt free, which you can attain regardless of your income level.
"Financial freedom is a mental, emotional and educational process," says Robert Kiyosaki.
You need to have the right mind-set to achieve the millionaire status or you won't make it to the finish line. When you have no debt, you can take more risks.
"Every risk is worth taking as long as it's for a good cause, and contributes to a good life," adds Richard Branson.
Have multiple sources of income
Getting a second job not only increases the size of your income, but also keeps you busy, and a busy person doesn't have time to spend the money they already have. Never depend on a single income. Make investments to create a second one," says Warren Buffett.
On the other hand, if you aren't knowledgeable in the stock market, then perhaps start your own business on the side.
"The best thing you can do is start a home-based business," adds Dave Ramsey.
Related: 15 Ways Millionaires Manage Their Money That Make Them Richer
Manage your money to attain growth
You can't expect your money to grow and mature if you aren't using some form of credible money management.
"The single biggest difference between financial success and financial failure is how well you manage your money. It's simple: To master money, you must manage money," says T Harv Eker.
Without financial management, your money isn't going to do anything, you need to be proactive and work your money every day to ensure maximum growth.
"If you look at the average amount of money you will earn over your lifetime, and figure out how many years you are working, most people earn more than a million dollars over their working life, but very few people become millionaires," says Nancy Butler, a certified financial planner.
"How they manage what goes through their fingers usually makes the difference."
Pay yourself first
Paying yourself is an essential strategy of personal finance and a great way to build your savings and instil financial discipline.
"Paying yourself first means saving before you do anything else," says David Blaylock, a financial planner.
"Try and set aside a certain portion of your income the day you get paid, before you spend any discretionary money. Most people wait and only save what's left over — that's paying yourself last."
Paying yourself first will allow you to grow your wealth and increase your principle investment every month.
Related: 6 Skills Of Self-Made Millionaires That You Should Be Using, Too
Have a passion for your work
People say you have to have a lot of passion for what you're doing and it's totally true. The reason is because it's so hard to succeed in business that if you don't, you might give up. You have to do it over a sustained period of time. So if you don't love it, if you're not having fun doing it, you don't really love it, you're going to give up. And that's what happens to most people.
If you really look at the ones that ended up being 'successful' in the eyes of society and the ones that didn't, oftentimes it's the ones who were successful that loved what they did, so they could persevere when it got really tough. And the ones that didn't love it quit because they're sane, right? Who would want to put up with the stuff if you don't love it?
"So it's a lot of hard work and it's a lot of worrying constantly and if you don't love it, you're going to fail," said Steve Jobs.
Don't underestimate a well thought-out plan
As the saying goes, if you fail to plan, you're planning to fail. Millionaires that reach this milestone without a plan, usually, get there through luck, and what are the odd that's going to be you?
"The reason most people never reach their goals is that they don't define them. Winners can tell you where they are going, what they plan to do along the way, and who will be sharing the adventure with them," says Denis Waitley, Human Achievement Expert.
It's not enough to declare that you want to be financially free; you have to work out every step to get there.
Related: The 10 Strangest Secrets About Millionaires
Set big hairy audacious savings goals
Don't be afraid to think big when setting your savings goals.
"If you always do what you've always done, you'll always get what you've always got," said Henry Ford.
Don't be afraid to really go after what you want even if it's hard, or you're uncertain you can make it.
Financial success demands that you have a vision that is larger than you can currently deliver on.
Work harder than anyone else
Hard work can often help to make up for a lot of financial mistakes throughout your journey to success, and you will make financial mistakes.
"I still work hard to know my business. I'm continuously looking for ways to improve all my companies, and I'm always selling. Always," says Mark Cuban.
Hard work can literally set you apart from your competition and help you to reach your goal faster.
"There is no such thing as overnight success or easy money. If you fail, do not be discouraged; try again. When you do well, do not change your ways. Success is not just good luck: It is a combination of hard work, good credit standing, opportunity, readiness and timing. Success will not last if you do not take care of it," says Henry Sy, Sr.
Related: 5 Things Millionaires Do That Most People Don't
Ensure your long term success by insuring yourself
Bankruptcy is a reality and can come for you at any time. It can be triggered by variables including: Death, divorce, disability or even a poor investment.
"If you have made mistakes, even serious ones, there is always another chance for you. What we call failure is not the falling down, but the staying down," says Mary Pickford.
When you insure yourself against risk it gives you time to course correct and save your future.
"Strength does not come from winning. Your struggles develop your strengths. When you go through hardship and decide not to surrender, that is strength," says Arnold Schwarzenegger.
Time is most precious
If you begin saving in your twenties, you can take maximum advantage of the power of compound interest for your savings.
"No matter how great the talents or efforts, some things just take time. You can't produce a baby in one month by getting nine women pregnant," says Warren Buffett.
Remember that you're playing the long game, and sometimes the only way to achieve millionaire status is to keep doing what you're doing for long enough.
Related: 8 Tips To Become A Millionaire This Year
Keep your money hidden from you
You can't spend what you can't see. You should use debt orders to pay your retirement and other savings accounts. As your salary increases, you can painlessly increase the size of those deductions to ensure you put money aside every month.
"If you want to get rich, you'll need to save what you earn. A fool can earn money; but it takes a wise man to save and dispose of it to his own advantage," says Brigham Young.
Pay off your large scale debt
Once you've paid off your house and any other large scale items, you can direct those payments into your savings as well.
"To acquire money requires valour, to keep money requires prudence, and to spend money well is an art," says Berthold Auerbach.
Ensure you're spending your money on what really matters and not just the interest on your debt.
Related: How To Go About Making Your First Million
Your salary's only half the story
Climbing up the corporate ladder will only get you so far, eventually you will have to make your money work hard for you.
"It's not how much money you make, but how much money you keep, how hard it works for you, and how many generations you keep it for," says Robert Kiyosaki.
Generating income from passive, rather than active, income sources is the best way to do this.
Timing isn't (always) everything
No one can really predict the market; in order to be wealthy you can't moonlight as a day trader.
"Time [period] is more important to investment success than timing," explained Peter Lazaroff, a financial planner.
"Most of the population believes that timing the market's moves is the key to growing rich through the stock market. The wealthy, however, understand that time and compound returns are the most important factor in growing wealth."
Achieving millionaire status requires investors to adopt a buy-and-hold strategy, ride out market fluctuations and ignore rumour and speculation.
Related: Becoming A Self-Made Millionaire: 5 Things To Do To Become Wealthy
Value vs cost: Understand the difference
Paying for consultants to give you insights into growing your wealth shouldn't sound counter-intuitive, especially if this isn't your area of expertise.
"The wealthy person has three best friends: Her attorney, her accountant and her adviser. The wealthy tend to use the law and tax code to their advantage when figuring out how to maximise their wealth, especially over multiple generations, and they are not afraid to spend money up front for counsel to get these answers," says Justin Kumar, a portfolio manager.
"The wealthy look at value over cost, but they are still prudent in their decisions."


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unbeaten in their last seven games.
Photo courtesy: Gil Talbot Photography
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Kessler Named ECAC Hockey Goaltender of the Week
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The Particulars
The sixth-ranked Harvard women's hockey team concludes a stretch of four home games, including three against non-conference opponents, by welcoming Connecticut to Bright Hockey Center. The Crimson enters the game enjoying an unbeaten streak of seven games, going 5-0-1 during that stretch. The Huskies are 3-0-1 in their last four games with wins over ECAC Hockey opponents Quinnipiac and Yale.
Follow From Home
GoCrimson.com will provide live statistics for this week's game, all home games and most road contests this season. Live audio and video will also be available on GoCrimson.com. Matt Sawyer and Glenn Conway will have the call.
Series History
Harvard and Connecticut have met 14 times, with the Crimson owning an 11-3 advantage in the all-time series which began in 1979-80. The Huskies have won two of the last three meetings between the schools.
Last Year vs. Connecticut
On Dec. 14, 2008, Connecticut topped Harvard, 3-2, in Storrs, Conn., despite the Crimson outshooting the Huskies, 31-25. Sarah Wilson '09 and Kate Buesser each scored for the Crimson, while Sarah Vaillancourt '08-09 handed out two assists. Goaltender Christine Kessler stopped 22 shots in net.
Last Time Out
Christina Kessler stopped all 53 shots she faced in the weekend to help Harvard earn back-to-back shutouts against No. 2 Minnesota. The Crimson topped the Golden Gophers, 1-0, Friday and then earned a 0-0 tie Saturday. Liza Ryabkina netted the game-winning tally Friday in the third period, while Jillian Dempsey handed out the assists. Before Friday's win, Harvard had not defeated a team from the WCHA since downing Minnesota Duluth Dec. 2, 2006.
Harvard Against Hockey East
The Crimson has played one opponent from the Hockey East Association this season, tying New Hampshire at Bright Hockey Center Nov. 18. Harvard will play three other games against Hockey East opponents during the regular season (Providence Jan. 30, Boston College in the opening round of the Beanpot Feb. 2 and either Boston University or Northeastern in the Beanpot Feb. 9).
Welcome Back!
After missing the first nine games of the season due to injury, Liza Ryabkina has not missed a beat, scoring the game-winning goal in her first two games back with the Crimson. Ryabkina netted the game-winner with 3:25 remaining against Dartmouth Nov. 25 and tallied the game's only goal in a 1-0 victory over Minnesota Dec. 4.
A Stone Wall
The Crimson earned back-to-back shutouts against Minnesota Dec. 4-5, marking the first time that the Golden Gopher were held scoreless since Feb. 2, 2007. The Crimson had not recorded consecutive shutouts since holding Cornell without a goal during the ECAC Hockey quarterfinals Feb. 27-28, 2009.
She's Honored
After earning consecutive shutouts against Minnesota Dec. 4-5, Christina Kessler was honored as the ECAC Hockey Goaltender of the Week Dec. 7. Kessler stopped all 53 shots she faced on the weekend, including 24 in Harvard's 1-0 win Friday and 29 in a 0-0 tie against the Golden Gophers Saturday afternoon. Kessler was also honored by the conference as the top goalie Nov. 30.
Just Win, Christina!
Senior goaltender Christina Kessler is 62-16-5 (.777) in her career in net, placing her second on Harvard's all-time goalie wins list. Ali Boe '06 is Harvard's all-time winningest goaltender with 63 victories. Kessler currently owns the NCAA career record with a .942 save percentage, as she has stopped 1,798 of 1,908 shots faced during her career. Jessie Vetter (Wisconsin 2006-09) owned a .941 save percentage to set the record.
When The Game Is On The Line
Six different Harvard players have scored a game-winning goal this season -- Liza Ryabkina, Jillian Dempsey, Leanna Coskren, Anna McDonald, Cori Bassett and Kathryn Farni.
A Balanced Attack
The Crimson has had 12 different players score at least one goal this year, as the team has netted a total of 32 goals. Fifteen players have at least one point to their credit and Harvard had 15 different players light the lamp last season as well, scoring a total of 95 goals.
License to Kill
The Crimson boasts the nation's fourth-best penalty kill unit, stopping 47 of 51 opponent power plays (.922). Harvard successfully killed the last 26 power plays by opponents dating back to Nov. 15.
Around The Ivy League
The Crimson has earned three straight wins against Ivy League opponents after topping Dartmouth Nov. 25. The Crimson stands at 3-2 against Ancient Eight opponents, tied with Dartmouth and Princeton for second place. Cornell remains in first with a 4-0-1 Ivy League conference record.
Harvard Coach Katey Stone
Katey Stone is in her 16th season as the Landry Family Head Coach for Harvard Women's Ice Hockey, and she brings a 326-139-24 record into Friday's game. Stone, who ranks second all-time in Division I victories, has led Harvard to all seven of its NCAA tournament appearances. Stone is also the active leader in victories among Division I women's hockey coaches.
Stone is currently 11 wins shy of tying the all-time Division I record, held by Laura Halldorson (337 victories).
Power-Play Surge
Jillian Dempsey (1-3-4) and Josephine Pucci (1-3-4) lead the Crimson with four points apiece on the power play, while Leanna Coskren has a team-best two power-play tallies.
First Thing's First
The Crimson was 18-0-2 when scoring first and 1-10-1 when the opponent lit the lamp first last season. So far in 2009-10, Harvard is 6-1-1 when netting the game's first goal and 1-2 when the opposition scores first.
It's All Over
Harvard is 99-1-4 since the start of the 2004-05 season when leading after two periods.
Welcome To The Show
Freshman Kaitlin Spurling has recorded a point in six of her first 12 games of her career (3-3-6). Classmate Jillian Dempsey has also had the scoring touch, notching six goals to give her the team lead. Dempsey also ranks second with 12 points, trailing Kate Buesser (5-9-14).
Storied Program
With its 3-0 victory over St. Lawrence Nov. 7, Harvard earned the 500th victory in program history. The Crimson owns a 505-290-40 (.629)record over its storied 31-year history.
To Be The Best ...
With its 1-0-1 weekend against No. 2 Minnesota Dec. 4-5, the Crimson stands at 2-2-2 against ranked foes this year. Harvard was 2-6-1 against top 10 opponents last season.
Bright Spot
The Crimson was 9-4-2 record at Bright Hockey Center last season, while posting a 9-5-1 mark on the road. In eight games this season, Harvard owns a 4-2-2 record on home ice.
Red Lights
This season, Harvard ranks second in the nation in scoring defense (1.25 goals allowed per contest), fourth on the penalty kill (47 of 51, .922) and fifth in scoring margin (+1.42) The Crimson also 14th in scoring offense (2.67 goals per game), 20th in combined special teams (53 of 108, .491) and 26th on the power play (6 of 57, .105).
Rank And File
Harvard is ranked sixth in both the latest USCHO.com national poll and ninth in the USA Today/USA Hockey Magazine national poll.
On The Road
The Crimson has played four road games this season, going 3-1. Harvard has won its last two on the road, topping Yale Nov. 20 and Brown Nov. 21.
Scoring Burst
Harvard netted three goals in the first and second periods in the Crimson's 7-2 win over Quinnipiac Nov. 15. The team notched three goals in just one minute, 55 seconds of action in the second period, and the squad's seven tallies marked the most for the program since Harvard defeated Boston University, 8-0, in the opening round of the Beanpot. On Nov. 21, Harvard scored three goals in the first 4:48 of action in the team's 5-1 win at Yale.
Crimson Among The Nation's Best
With 1.00 points per game, Jillian Dempsey ranks tied for third among the nation's rookies in scoring. At the blue line, Josephine Pucci is 12th among defenders with 0.64 points per game. Among all players, Kate Buesser stands tied for 19th with 1.17 points per game and is tied for 14th with 0.75 assists per contest.
Stopping The Puck
Christina Kessler ranks fourth in the nation with a save percentage of .950 (286 of 301) and stands third with a 1.25 goals-against average. Kessler is also tied for ninth in the nation with a winning percentage of .667 (7-3-2).
Clean Sheets
Harvard, which has earned four shutous this season against St. Lawrence Nov. 7, Yale No. 20, Minnesota Dec. 4 and Minnesota Dec. 5, registered six clean sheets last season, after establishing a new program record with 14 shutouts during the 2007-08 season. Christina Kessler has recorded 25 shutouts during her career at at Harvard, a program record.
No. 6 Women's Hockey Looks to Extend Unbeaten Streak, Hosts Connecticut Tuesday Evening
unbeaten in their last seven games.

subset: commoncrawl


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TORONTO - The CFL and Calgary Stampeders have reached a compromise on Quick Six.
The league announced Thursday the Stampeders horse mascot and rider Karyn Drake will be on the sidelines at Rogers Centre on Sunday when Calgary faces the Toronto Argonauts in the 100th Grey Cup.
But Quick Six won't be able to gallop up and down the sidelines when Calgary scores due to a lack of available space and safety concerns.
Drake and Quick Six charges down the sidelines at McMahon Stadium when the Stampeders score a touchdown.
The compromise comes after league and Stampeders officials met to discuss concerns the mascot wouldn't be allowed to make the trip to Toronto.
The Stampeders arrived in Toronto Tuesday to begin preparations for the Grey Cup but Quick Six and Drake remained in Alberta.
"But the CFL is happy to announce that one of Canadian football's fine traditions — Calgary's touchdown horse will be part of Grey Cup history once again," the league said in a statement.
It's been a good day on the horse front for Calgary fans. A group of Stamps supporters also successfully marched their horse Marty into the Royal York hotel lobby, recreating a stunt that first began during the 1948 Grey Cup in Toronto.


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|HANNOVER, Germany, Mar. 18, 2004 - SanDisk Corporation (NASDAQ: SNDK) announced today that it has added SanDisk Memory Stick PRO Duo cards to its original equipment manufacturer (OEM) product line. The cards will be sold in capacities that are ideal for OEMs to bundle with their consumer electronic devices. About one third the size of a standard Memory Stick, the Memory Stick PRO Duo cards feature high-speed data transfer, MagicGate™ security for the secure transfer of copyright-protected content and a write speed that allows for real-time recording of high-resolution images and video.
SanDisk Memory Stick PRO Duo cards for OEMs range from 32 megabyte (MB) to 128MB capacities and are manufactured by SanDisk. Higher capacity cards, up to 512MB, have already been introduced for the retail market to support aftermarket purchases. SanDisk is demonstrating the new cards at the CeBIT tradeshow in Hanover, Germany.
"SanDisk is the only company that offers a Memory Stick PRO Duo card in capacities lower than 256 MB," said Bo Ericsson, vice president of OEM product marketing at SanDisk. "OEMs can now benefit from having the latest generation Memory Stick technology in their low density PRO Duo cards included with their products. As the worldwide leading provider of flash storage card products, SanDisk also offers a full line of design tools and engineering support for the Memory Stick PRO Duo. SanDisk co-developed and co-owns the Memory Stick PRO Duo with Sony, and we believe that this introduction will be received enthusiastically by OEM customers that are designing consumer electronic devices that support the Memory Stick PRO format."
The new Memory Stick PRO Duo cards are targeted at the new generation of 2.5G and 3G mobile phones that require additional capacity for their storage-intensive features such as digital cameras, video capture and playback, digital audio players, games, and advanced messaging. The PRO Duo card is a major improvement from the standard Duo card with a guaranteed minimum performance based on the specification of the Memory Stick PRO Duo standard. Manufacturers can now include low capacity cards that will be optimized for their PRO Duo product."
SanDisk Memory Stick PRO Duo cards are available immediately. OEM capacities range from 32 megabyte (MB) to 128MB, with volume pricing ranging from $14 to $43.
SanDisk, the world's largest supplier of flash memory data storage card products, designs, manufactures and markets industry-standard, solid-state data, digital imaging and audio storage products using its patented, high density flash memory and controller technology. SanDisk is based in Sunnyvale, CA.
The matters discussed in this news release contain forward looking statements that are subject to certain risks and uncertainties as described under the caption, "Factors That May Affect Future Results" in the company's annual report on Form 10-K and quarterly reports on Form 10-Q, filed with the Securities and Exchange Commission. The companies assume no obligation to update the information in this release.
SanDisk's web site/home page address: www.sandisk.com
All trade names are either registered trademarks or trademarks of their respective holders.
Product images can be downloaded from www.sandisk.com/corporate/mediakit


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Posted 8 years ago
(22 items)
1970 Cry of the Banshee Pressbook Starring Vincent Price
Vincent Price stars as Lord Edward, an evil magistrate who has massacred a coven of witches. The high priestess of the cult vows revenge, sending a demon werewolf in the form of a handsome man to kill the lord and terrorize his family. Set in the 16th century.


text: Generation Next June 2, 2013 09:25 PM Fill in the knowledge gaps Bringing the next generation of young dairy farmer partners—be they sons, daughters, nephews, nieces, in-laws or even unrelated but high-potential employees—into management positions is rarely easy. Bonus Content More on the Legacy Project Legact Project Executive dairy training overview Executive dairy training topics TEPAP program Peer groups But it must be done if the business is to prosper and be transferable to the next generation, says Kevin Spafford, Farm Journal's succession planning expert. That doesn't mean the older generation must turn over all decision-making authority. "But the older generation shouldn't short-change the younger generation on responsibility," Spafford says. At some point, the younger generation must be given some real-life decision making power, and the older generation must allow them to live with the consequences of those decisions. They should share in the rewards if things go well and in the fallout if decisions turn out badly, he says. The upcoming generation, particularly if they are college educated, likely has more business training than any previous generation of farmers. "Real life experience is what they lack," Spafford says. His firm has worked with more than 200 farm families during the past 7½ years in farm transition planning. "In general, the more successful the operation, the more rigid the younger generation is in maintaining the status quo," he says. "Those farms that have struggled are more willing to try things." In today's volatile, uncertain business environment, those willing to try new approaches have a better chance of success. One role a member of the upcoming generation can play is that of chief financial officer (CFO). Most farms think they have a CFO if they hire an accountant to give them annual or quarterly financial reports. But the CFO role is much broader than that. He or she takes that financial information and then analyzes it in terms of business health and direction. "A chief executive officer (CEO) by nature needs someone to put the brakes on," says Bob Milligan, a senior business consultant with Dairy Strategies LLC. The CEO has the vision and the drive to move the business forward. The CFO needs to put reality into the decision-making process. The CFO does the scenario and sensitivity analysis—asking what will happen if an expansion doesn't go according to plan, if milk prices plummet (2009) or feed prices sky-rocket (2012). A lot of dairies have daily, weekly or monthly key performance indicators (KPIs) for production, such as milk weights, dry matter intake or number of cows bred. But then they rely on their accountant for annual (or at best, quarterly) financial reports. The CFO brings that same kind of production discipline to the business side of the operation to ensure it is performing, and when it isn't, to figure out why. This might be a role a member of the upcoming generation can fill. And once he or she understands the inner workings of the dairy operation's finances, he/she will be much better equipped to take on decision-making authority. Business Training If the upcoming partner does not have formal business training, there's a wealth of training available. And even those who do have some business expertise may have gaps to be filled. "Sometimes, they don't know what they don't know," says Kevin Spafford, Farm Journal's succession planning expert. And sorting it out isn't easy. That's why you need a trusted mentor—a respected business person in your community, a consultant, accountant, lending officer—to guide you. Sometimes, simply being exposed to other top business people in your community can pay big benefits. "Agriculture is unique, but it's not uniquely unique," says Bob Milligan, a senior business consultant with Dairy Strategies LLC. "The same business principles that apply to Main Street businesses also apply to us. "For example, my brother who farms in Michigan has benefited tremendously being a member of his local Rotary Club for 40 years. Those local service clubs—Rotary, Chamber of Commerce, Lions—teach leadership skills while rubbing shoulders with the largest businesses in your area," he says. Quite a number of agricultural companies offer "free" business training seminars, as well. While the companies will likely promote their products and try to build brand loyalty, the business management information offered is often top notch, Milligan says. There are also more formalized programs such as the Cornell Dairy Executive Program or the The Executive Program for Agricultural Producers offered by Texas A&M. While these program can cost $5,000 to $7,000 or more, they are intense management courses that are designed to shore up gaps in farm business knowledge. Young producers can also get involved in peer groups, such as the Top Producer Executive Network. Here, farms of similar size share financial statements and business plans, learning from each other. These peer groups are best when they have an outside facilitator who can provide or find needed business training. In any of these approaches, first and foremost, you need a plan. "It can't be passive," Spafford says. "You have to be an active learner and a willing participant. You should have well-defined goals and specific learning objectives." Back to news


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It's important to make sure that everyone in your family has enough iCloud storage for their photos, videos, files, and iCloud Backups. With Family Sharing, your family can share a single 200GB or 2TB storage plan that gives everyone plenty of space.
When you share a storage plan, your photos and documents stay private and everyone keeps using their own accounts with iCloud—just like when you have your own storage plan. You simply share the space available in the iCloud storage plan with your family members, so you only have one plan to manage.
Before you begin
To share your storage plan, you need iOS 11 or macOS 10.13 High Sierra.
For the best experience, have your family members update their devices too. However, you can share a storage plan with family members that are using an older operating system.
Share a storage plan with your existing family
If you already use Family Sharing, you can set up shared storage for your existing family members from your device Settings or System Preferences.
On your iPhone, iPad, or iPod touch
- Go to Settings > [your name].
- Tap Family Sharing.
- Tap iCloud Storage.
- Follow the steps to share your existing plan, or if necessary, upgrade to a 200GB or 2TB plan.
- Use Messages to let any family members with an existing paid storage plan know that they can now switch to your shared storage plan.
On your Mac
- If necessary, upgrade to a 200GB or 2TB storage plan.
- Choose Apple () menu > System Preferences, then click iCloud.
- Click Manage Family.
- Go to My Apps & Services.
- Choose iCloud Storage.
- Click Start Sharing.
- Click Done.
Set up a new family and share a storage plan
Not using Family Sharing yet? No problem. You can choose to share your iCloud storage when you first set up Family Sharing.
On your iPhone, iPad or iPod touch
- Go to Settings > [your name].
- Tap Set Up Family Sharing, then tap Get Started.
- Choose iCloud Storage as the first feature to share with your family.
- If necessary, upgrade to a 200GB or 2TB storage plan.
- When prompted, use Messages to invite up to five additional people to join your family and share your storage plan.
On your Mac
- Choose Apple () menu > System Preferences, then click iCloud.
- Click Manage in the lower-right corner.
- Click Change Storage Plan.
- Upgrade to a 200GB or 2TB storage plan.
- Go back to your iCloud preferences and click Set Up Family. Follow the onscreen instructions.
- When you're done, go to the My Apps & Services tab and choose iCloud Storage.
- Click Start Sharing.
What comes next
When you share your iCloud storage, any family members using the free 5GB plan are added to your family plan automatically.
If a family member is already paying for their own iCloud storage plan, they can choose to switch to your plan or keep their own and still remain part of the family. When they switch to the shared family plan, they get a refund for the remainder of their personal plan. They can't keep their current plan and use the shared family plan at the same time.
Manage your family's iCloud storage
It's easy for everyone to see how much storage the family is using and to upgrade anytime you need more.
On your iPhone, iPad, or iPod touch:
- Go to Settings > [your name].
- Tap Family Sharing.
- Tap iCloud Storage.
On your Mac:
- Choose Apple () menu > System Preferences, then click iCloud.
- Click Manage Family.
- Go to My Apps & Services.
- Choose iCloud Storage.
If your family is low on iCloud storage, all members get a notification. Then the family organizer or family member that purchased the plan can buy more—up to 2TB—at any time.
If your family stops sharing storage or you leave Family Sharing
If you leave a family that shares an iCloud storage plan and you're using more than 5GB of storage, you have 28 days to buy your own plan.
If you choose not to buy your own plan and the content that you're storing in iCloud exceeds your available storage, new photos and videos won't upload to iCloud Photos, files will no longer upload in iCloud Drive, and your iOS devices will stop backing up.
Learn more
- Here's what iCloud backs up.
- What's the difference between the storage on your device and your iCloud storage?
- If you reach or exceed your iCloud storage limit, just buy more storage or make space available.
- Learn about iCloud storage prices in your region.


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I'm on my fifth week of this life major change for health and fitness. God is being so good to me. Whereas I have been barely able to function physically in daily life for years, due to illness and injury, He has given me grace in this effort. It's really exciting seeing His hand in this. It's shocking the things I'm being able to do! With His help!
The main goal is of course weight loss, but many other benefits will come from that. So, is it coming off? Truth be told, I would have hoped for a much more impressive number than 8 lbs. in my fifth week of this radical diet change and 2 hours of hard exercise 5 days a week and walks the other 2 days. But, it is having dramatic results. I can wear clothes I haven't been able to wear for years...and they are BAGGY! That is my encouragement when the scale is hateful. After all, we all know muscle weighs more than fat, and the goal of this plan is to build muscle because that's where fat is burned. So I shouldn't be surprised at the scale. People are noticing and commenting and that helps too.
It's also amazing how He put wonderful people in my life in the gym. From day one He brought several wonderful Christian men into my life there who have instructed me, encouraged me, and kept me safe. It has made such a difference. It wasn't easy to be an overweight white woman almost 60 years old walking into an all black gym that is normally all male, young and super ripped. But I have been welcomed by several and I praise God for these kind men. And they challenge me too. I am doing things that I can't believe is possible and would never have tried on my own. And to think my original idea was the senior center once I turned 60 (last Tuesday)! The energy here is almost palatable! I thank God every day for how He's helping me and these kind men.
Another blessing is for my protein drinks after workouts. I had bought a Ninja blender for us and each of our children a couple of years ago. No one has complained, but ours never worked. We even got a replacement and it wouldn't close right (required for the power to work) and burned up on my 11th use. HUNDREDS of dollars wasted.
The good news is that we got the Bullet from our Sam's Club and it's an absolute dream! Every day after workouts I use the large container. I fill it half way with Baby Spinach, then some frozen assorted fruit, half a banana, 2 scoups of Met-rx protein powder and some water. It takes about 3 seconds and it's perfect and lunch is served. You can't even taste the spinach. And clean up is a breeze!
Our Sam's Club is such a blessing too. Not only the Bullet, but all the fresh fruits and veges I eat (6 meals a day). We've found it's a LOT more expensive to eat healthy, but Sam's Club really helps. Over time I hope that we will save money in other areas of life by eating this way. To be honest, I really miss baked potatoes and bread - specifically those amazing fresh baked baguettes at Sam's that are $2.98 for 2. Mmmmm. But it's manageable. Once I meet my goal, you are allowed a day a week to eat as you want. But for now it's nothing processed or prepared, no salt, no sugar, no nuts or grains, all lean protein, fiber, fresh fruits and veges. And I'm still doing my TBS of Chia Seeds daily.
If any of you are eating like this, you may notice "things" have "stopped", if you follow. With help from my girls, we have found out that a high protein diet will do that to you, even with the crazy high amount of fiber this plan has me on. My youngest, who's about to be married (beaming Mother), told me about a helpful answer and it's available at Walmart. Sixteen packets for $5. "Smooth Move organic tea". Nuf said.
I hope this has been helpful and encouraging! Thanks for stopping by and come back soon!
Please support this blog by shopping my PayPal store. God bless you! Digifree CraftCrave CraftCrave


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Eradication is a total convertion for the freeware game Soldat. It changes the theme from soldats to mechs, massive weapons of excessive power and dramatic effects that will deliver the ultimate mecha experience in Soldat. Featuring over 50 weapons to choose from with the aid of a handy configurator, you may switch your weapon sets upon every new game you start. The mod features new sounds, kits, interface, gostek, effects, explosions and alot more!
Only registered members can share their thoughts. So come on! Join the community today (totally free - or sign in with your social account on the right) and join in the conversation.


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"Arrow on the Doorpost"? More like "Arrow on the SNOREpost"!
Just kidding.
I understand that not every episode can be action-packed from start to finish with major plot twists, characters dying and hordes of zombies being slaughtered in exotic and graphic ways.
But at the end of this episode, when Rick forebodingly growls "We're going to war...", I was thinking: "Isn't that what you said like four months ago?"
Hey Rick, don't tell me, show me!
There are only three episodes left this season, so at least we know we're going to see the pace pick up soon, but this whole episode basically just served to develop character relationships and further hype the big brawl that we already knew was coming.
Don't worry, there was still some fun stuff to talk about in this episode.
How about that extended sex scene between Maggie and Glenn? Who directed this episode anyway, David Boyd or Adrian Lyne? At first I thought that they were going to shag right in front of the zombies, like it was some kind of sick exhibitionist turn-on for them.
Also at the prison, Glenn assumes the role of interim leader, and Merle locks horns with him, only to get choked out by Maggie. Beth breaks it up by shooting off a gun like a starters pistol. Smart move, Beth.
I also liked the part where the PrisonItes paired off with the Woodburians and became fast friends. Milton awkwardly stumbles his way through a conversation with Hershel, and Hershel does that little eye-squint, mustache-twitch thing that he does when he likes someone.
Hershel jokes that if Milton wants to see his amputated leg, he'll have to buy him a drink first. It would have been funny if the next scene was Hershel wearing a sun dress and Goldilocks wig, and Milton wooing him with a bunch of posies. Every time Milton would lean in for a smooch, Hershel would bash him over the head with an iron skillet, only to bat his eyes at him some more.
Daryl and Martinez get into a zombie-killing pissing contest and in doing so earn each others respect. Then Martinez says he likes smoking menthol cigarettes and Daryl calls him a douche bag.
This scene felt kind of tacked on, like the producers said: "we need to have SOME zombie killing in this episode. Just have Martinez and Daryl get after it."
The one person in the mix who doesn't really pair off with a friend is Andrea, who tries to help mediate the discussion, and is just shooed out of the room by the big bully boys.
It was kind of funny how one of Andrea's interjections was to plead with the men to "save the bullets for the real threat." Umm, Andrea, isn't it kind of obvious who "the real threat" is at this point?
Even the Governor and Rick drink whiskey together and commiserate over their dead wives. Well, the Governor commiserates, Rick just sits there and stews.
The Governor also shows Rick his oozing eye wound. I'm not sure if this is supposed to be his way of opening up to his nemesis, or trying to intimidate him. Either way, it looked cool.
Finally, the Governor makes Rick an offer: turn over Michonne so he can avenge his lost peeper, and all will be forgotten.
It was kind of a hollow climax to the episode, because you know Rick is too street-smart to actually believe the Governor would follow through on such a bargain, and he even says as much.
When the Governor inferred that the child (Judith) Rick's wife died giving birth to was actually fathered by Rick's former best friend, Shane, he basically ensured that he and Rick could never be friends, and that Rick will probably take great pleasure in killing the Governor eventually.
380 fps
Draw Weight:
160 lbs
6.9 lbs
123 foot-pounds
34.5 inches
Hand-made polymer blend Octane string
(Thanks AMC Story Sync!)
- The song at the end of the episode is "Warm Shadow" by Fink. It's not really the kind of music I like...
- The Governor mentions that his last name is Blake.
- One of the buildings they hang out near is called "Verlin's Feed and Seed Co." Another was called "Funks G" something.
- Here is the little commercial break thing:
"Everything's food for something else." - Carl
"Christ promised a resurrection of the dead. I just thought he had a little something different in mind." -Hershel
"No more kid stuff." -Rick (to Carl)
"Look at this. She sent us a biter-gram, y'all!" -Merle
Merle: "Sorry son, but your dad's head could be on a pike real soon."
Governor: "He's a wildcard but he's effective, he gets the dirty jobs done."
Rick: "You're the town drunk who knocked over my fence or ripped up my yard, nothing more."
Governor: "I brought whisky."
Milton: "May I see it? Your stump? I'd like to see how high the amputation was above the bite…"
Hershel: "I'm not showing you my leg."
Governor: "They still think that I'm the man who can keep them safe. They still think I know what I'm doing."
Governor: "Now I don't have people that are combat tested like yours are, but I got more of them. And this fight will go down to the last man."
Governor: "I want Michonne. Turn her over and this all goes away. Is she worth it? Is one woman worth all those lives in your prison?"
Merle: "I must have been seduced by your sterling personality."
Merle: "You shogun the governor's ass, we'll be home before you know it."
Governor: "You can have everything you want. I told you I don't care about you."
Governor: "We're gonna have to eliminate Rick sooner or later. No way we can all live side-by-side."
Merle: "Should of gotten him when you had the chance, bro..."
Rick: "We're going to war."
Winner: Merle
When Martinez and Daryl are having their pissing contest, Daryl shoots this zombie in the eye with a dinky little arrow. Then Martinez is like "Oh yeah, how about THIS!" And he twirls his MacGregor baseball bat around in all these cute little spins and then he smashes the daylights out of the zombie's head on the side of some sheet metal building.
When they were walking up to the neutral meeting site there was this one laying in the tall grass and it's head looked like a lollipop that had melted in the sun. Daryl goes down to look at it and it's dumb head was all seeping around into some big puddle of gunk, it looked like someone spilled a big bowl of spinach soup in the lawn.
Zombies: Six, for 196 on the season.
Humans: None, but 29 on the season.
Lingering questions
- How do Milton's inventions work?
- What is Morgan going to do with himself in King County?
- Will Rick turn over Michonne?
Everyone starts taking up arms and rattling their scabbards. The Governor talks to Andrea, the Governor talks to Milton, the Governor talks to Tyreese. Tyreese and his daughter what's-her-name shoot walkers from the wall on daddy-daughter day.