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Partnership Development
Through a service-learning partnerhip,
- Your organization will collaborate with a faculty member to develop the service-learning project together;
- Students (typically in groups) will work with your organization through a service-learning course; and
- Students will rotate through your organization each semester.
Every partnership is a unique relationship, which develops to best fit the needs of each organization in that specific situation.
Facilitate Smooth Partnering
The Office of Service-Learning (OSL) connects community agencies to faculty whose students can meet agency needs as part of class-related service work. After identifying a faculty partner, the OSL will facilitate ongoing communication and collaboration between the community agency, faculty, and students to ensure that the partnership is suitable for each partners' needs.
To explore the opportunities service-learning partnerships offer, contact Dan Getkin, Assistant Director for Partnerships and Operations to schedule an appointment with the OSL.
Connect to other University Departments
In some instances, service-learning may not be the most suitable partnership for your organizations' needs. By scheduling an appointment with the OSL, the office's trained staff can also help you determine whether another program may be more appropriate. In those instances, the OSL will ensure you connect with the right department.


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Spanish for Lawyers I
|Term: Fall Term 2013-14 (2141)
|Catalog Number: 5475
|Class Number: 14598
|Room: LAW G20.
Class Schedule:
|Instructor: Eduardo H. Bozzo
|Type: Lecture
|Credits: 2.0 Credits
Enrollment Limit: 20.
|Priority: Limited Enrollment - 3rd Year Priority
Course Description from Course Catalog 5475
Grades will be determined on the basis of class participation and a final exam.

subset: commoncrawl


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Post(s) tagged with "ipod"
iBamboo: Most eco-friendly speaker yet?
Simple physics: No batteries, no plastics, no silicon. Brilliant!
The Mystery of Steve Jobs's Public Giving ⇢
"Steve Jobs is a genius. He is an innovator. A visionary. He is perhaps the most beloved billionaire in the world.
Surprisingly, there is one thing that Mr. Jobs is not, at least not yet: a prominent philanthropist."
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Don't just think outside the box look at it from every angle
Being is loving, loving is Being
Ask me anything
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Text Only | SAMHSA News Home
introduced two major public education programs on underage drinking
in April, Alcohol Awareness Month.
At a press conference on April 20 in Washington, DC, SAMHSA launched
Too Smart To Start, a new national program to keep pre-teens,
age 9 to 13, from initiating alcohol consumption.
Later in the month, SAMHSA teamed with Scholastic, Inc., for the
Reach Out Now National Teach-In Week, April 26 to 30, to
educate students in fifth-grade classrooms nationwide on the dangers
of underage alcohol use.
SAMHSA's 2002 National Survey on Drug Use and Health found that
more than 2.6 million adolescents age 12 to 17 binged on alcohol
in 2002 and 630,000 were heavy drinkers already. One-third—2.3
million—of alcohol-dependent adults age 21 or older in 2002
had first used alcohol before age 14. More than 80 percent—5.8
million—had first used before they were age 18. The rate of
dependence for those who first drank at age 21 or older was 1 percent.
Back to Top
idea behind Too Smart To Start is to reach out to children
and caregivers before these children start drinking alcohol. The
program provides materials to community groups with the objective
of enhancing communication between parents and children about the
harm of underage alcohol use. A community action kit is available
that provides step-by-step information on how to raise awareness
about underage drinking in local communities.
tests of the program took place in New Castle County, DE; Miami,
FL; Noble County, IN; Newaygo County, MI; Cincinnati, OH; Portland,
OR; Pittsburgh, PA; Nashville, TN; and San Antonio, TX. National
partner organizations are now taking the program nationwide. Funding
for the program comes from the Centers for Disease Control and Prevention.
This is the third year of Reach Out Now. In 2003, Reach
Out Now materials were distributed to more than 100,000 classrooms
nationwide reaching more than 3 million students. The materials—developed
by SAMHSA's Center for Substance Abuse Prevention and Scholastic,
Inc.—were based on research supported by SAMHSA and the National
Institutes of Health's National Institute on Alcohol Abuse and Alcoholism.
SAMHSA News, Volume XI, Number 1.)
teachers received a two-part set of underage drinking materials
including Reach Out Now: Talk with Your Fifth Graders About
Underage Drinking. This year for the first time, a new curriculum
and parents' guide for sixth graders was distributed to schools
nationwide to reinforce the message for fifth graders.
The materials have been enthusiastically endorsed by the Leadership
To Keep Children Alcohol Free, a consortium of governors' spouses
from states across the country, and the teach-ins included the participation
of the first ladies of 15 states and other public figures.
For more information on the Too Smart To Start program,
visit SAMHSA's Web site at www.toosmarttostart.samhsa.gov.
For Reach Out Now,
visit www.teachin.samhsa.gov.
To order materials available for these programs, contact the National
Clearinghouse for Alcohol and Drug Information at P.O. Box 2345,
Rockville, MD 20847-2345; or call 1 (800) 729-6686 (English and
Spanish) or
« See
AlsoPrevious Article
See AlsoNext
Article »
SAMHSA Announces Funding Opportunities
Manuals Guide Teen Marijuana Use Treatment
President's National Drug Control Strategy
Includes Key Role for SAMHSA
Majority of Youth Obtain Marijuana from
People They Know
SAMHSA Releases Guide for Clergy
5 Million Parents Have Alcohol Problems
Rules Proposed for Workplace Drug Testing
SAMHSA Launches Two Major Efforts on Underage Drinking
Kit Links Service Providers to Resources for Older Adults
Disaster Assistance Center Offers Resources for Service Providers
Center Assists People with Substance Abuse and Child Welfare Issues
Recovery Month Celebrates 15th Year
Corrections & Clarifications
SAMHSA News


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Cass board awards air conditioner bid to Mora firm
Cass County commissioners Tuesday, Dec. 18, awarded a $145,500 contract to the low bidder of five, Gorham Oien Mechanical of Mora, to replace the air conditioner for the county law enforcement center at the courthouse in Walker.
The bid includes demolishing the old chiller unit.
Marcy Cordova, the new Cass County 4-H program director, informed the board she has begun an effort to improve communication and organization for the county's 4-H program.
Are you a newspaper subscriber but you don't have a Digital Access account yet? https://secure.forumcomm.com/?publisher_ID=40&event=subscriber/lookup.
You will need your subscription account number and phone number. Not sure if you have an account? Email us at email@example.com and we can help you.


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Go to Email & News to manage your email, search the web, stay up to date with current news and more.
Fast, easy 24/7 solutions- right on your desktop.
I want to:
More help
Using the ping command to test the connection between your computer and gateway The ping test will attempt to send data packets from your computer to the router to test the connection between them. If the connection is working, the same number of data packets will be sent from your computer as are received by the router.


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On View: Snuff Spoon/ Hair Ornament
Ivory's value results from its scarcity, as well as its association with the elephant, a symbol of power and strength. Ivory bracelets...
Hiroshige's One Hundred Famous Views of Edo
Hiroshige's 118 woodblock landscape and genre scenes of mid-nineteenth-century Tokyo, is one of the greatest achievements of Japanese art.
On View: The Road of the War Prisoners
With loose, expressive brushstrokes and sensitivity to raw emotional detail, Vasily Vereshchagin here conveys on a massive scale the horrors...
200 Eastern Parkway
Brooklyn, New York 11238-6052
Eastern Parkway/Brooklyn Museum
Wednesday: 11 a.m.–6 p.m.
Thursday: 11 a.m.–10 p.m.
Friday–Sunday: 11 a.m.–6 p.m.


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SPOKANE,Wash. -- Dozens of people put their strength to the test today to benefit Washington Special Olympics.
Teams worked together Saturday using all their strength to pull a more than 138,000 pound plane 12 feet.
One family was there for a family member who has been competing in the Special Olympics since he was 6.
"We love th opportunities it provides Loren, so we wanted to give back and show our support," said Julie Vanwormer.
This is the second annual plane pull at the Spokane International Airport. 160 people participated and raised $7,000.


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Dorothy GammonNovember 22,2012Dorothy Gammon
SPRINGFIELD Dorothy Gammon, age 65, died in her home on November 18, 2012, after a long illness.
She was born on February 15, 1947, the daughter of George and Emma (Fuller) Watkins.
She was a Head Start teacher for 20+ years. After that, she owned and operated Sveas Tanning Salon in Springfield until her retirement. She devoted herself to everything she did and had a positive impact on everyone she met.
Her family includes two sons, David of Marlow, N.H., Robert of Springfield, Vt., and one daughter, Kathie of Bellows Falls, Vt. She is also survived by four brothers, Horace Watkins of Hartland, Vt., John Watkins and William Watkins of Springfield, Vt., and Ken Watkins of Brattleboro, Vt.; as well as eight grandchildren, three great-grandchildren; several nieces, nephews, great-nieces and great-nephews.
She was predeceased by one son, Ricky; six brothers, David, Roger, Art, John, Jesse, George; and one sister, Isabelle.
She loved camping, flowers, her animals, and most of all, her family.
A celebration of life service will be held at the Moose Hall in Bellows Falls, Vt., on Saturday, November 24, at 1 p.m.MORE IN Obituaries0919 RH Obits Butler paid no photo no flag Full Story0919 RH Obits Reed edited photo no flag Full Story0919 RH Obits Turner rites no photo no flag Full Story
- Most Popular
- Most Emailed
- RICHARD'S POOR ALMANACK: Giles Corey of Salem, Mass., is pressed to death during the Salem witch trials; on this day in 1952, film comedian Charlie Chaplin, while traveling to England, is denied re-entry into the United States by U.S. attorney general.
- RICHARD'S POOR ALMANACK: Dutch father of microbiology Antonie van Leeuwenhoek discovers the existence of one-celled organisms; in 1967, The Doors are booked to play the Ed Sullivan show; in 1858, freedom fighter Dred Scott dies on this day in St. Louis.
- TOMORROW'S HEADLINES TODAY: No money this year for western rail project, Lola Aiken memorialized in Montpelier, Supreme Court Castleton murder suspect will remain in jail, Shaftbury man fires shots from his AK-47 into neighbor's home.
- RICHARD'S POOR ALMANACK: On this day in 1959, Soviet Premier Nikita S. Khrushchev arrives in U.S. for historic 13-day visit; in 1987, Secretary of State George Shultz and Soviet Foreign Minister Eduard Shevardnadze sign nuclear reduction agreement.
- TOMORROW'S HEADLINES TODAY: City celebrates completion of its newest mural, on West Street opposite the post office, more than $2 million in federal grants will bolster Vermont's health centers, Patrick McArdle reports on pending sale of Vermont papers.
- RICHARD'S POOR ALMANACK: Henry Hudson sails up the Hudson River as far as present-day Albany, Leo Szilard has epiphany waiting for the light to change, 3 kids report a West Virginia close encounter in 1952.


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|Tablet Type Details
This Web site is intended for use by US residents only. See International Sites. See our delivery policy for full details. Copyright 1998-2014, Staples, Inc., All Rights Reserved.


text:
1120 SW Fifth Ave, Suite 600, Portland, OR 97204
1120 SW Fifth Ave, Suite 600, Portland, OR 97204
Learn about rebates for outdoor irrigation upgrades and more.
Take advantage of this opportunity to replace your old water-wasting toilet with a new efficient one!
This user-friendly program helps automatic sprinkler users program their timers based on their individual landscapes.
Even small leaks can be costly and waste a lot of water. Routinely checking your water and sewer bill can reduce the likelihood a leak goes unnoticed.
Learn more about rebates for outdoor irrigation upgrades.
The Portland Water Bureau can help multifamily property owners find water efficiencies.
The Portland Water Bureau's efficiency program offers information and technical resources to all customers about using water efficiently and cost effectively.
Contact us at 503-823-4527 or firstname.lastname@example.com.
The Portland Water Bureau has rebates available for toilet, urinal and outdoor irrigation system improvements.
Information on how to find and repair leaks - for home and commercial.
Information on water efficiency indoors.
Information on saving water outdoors.
Find out how you can receive free water efficiency devices for your home or business.
Information and services for business, industrial, and government (B.I.G) customers.
Info and services for multi-family residents, owners and managers.
Information on graywater reuse, rainwater harvesting, WaterSense and more.
Info about the Portland Water Bureau's Water Efficiency Program.
Videos, brochures and information for water conservation.


text:
Download or Play:
David Koral
December 11, 2012
December 11, 2012
Rating for this model: Total Votes: 118
Photographer Rating: Total Votes: 93
Age: 24
Location: Usti nad Labem, CZ
Job: Store Manager
Hobby: Partying
Sport: Ice Hockey
Food: Fruit
Music: Kylie Minogue
Location: Usti nad Labem, CZ
Job: Store Manager
Hobby: Partying
Sport: Ice Hockey
Food: Fruit
Music: Kylie Minogue
24 year old David Koral is an uncut European hunk from the Czech Republic! David loves to show off and is taking a shot at doing it in front of the camera. He stares into the lens, looking directly at you, while his exhibitionist side takes over. He unbuttons his shirt and begins rubbing his chest and getting in some nipple play! In no time at all, his uncut cock emerges from his gray dress slacks, while he gives both his upper body and his package some added attention, pulling his foreskin to and fro. David drops his dress shirt and turns with his backside to the camera, giving you a good look at his inviting ass, as he rubs and squeezes his cheeks! When he spreads them far apart and kneels down, he begins rubbing and tugging his man meat and showing off his throbbing hole! David lays on his back, taking his big headed stiff cock into his hands and placing between his legs and rolls back, flexing his hairy hole. Sitting up on his knees, he squirts out a big thick and creamy load!
Latest Comments:
why guys with a nice hairy bush want to shave it all off, compromising their masculinity, and making themselves look like a prepubescent boy, in a thousand years i'll never understand; other than that flaw, he is sizzling hot, great ass (hairy), and i sure hope b.p. calls him back for more.
Looks almost exactly like an Amish guy I used to live near when I was a kid in Ohio. I fantasized about him more than once!
PS---if D. has rash in pubic area, he also has a truly huge slit for fluids exiting his penis !!
a few great looking models lately badpuppy!
I like that his pubes are shaved !! More of him, please !!
@royal1723 - The videos should be okay now, if you have any other problems please contact me directly at "email@example.com".
Why am I unable to download video?
beautiful ass shots. too bad he shaved his pubes. other than that a bit boring.
Hell, I thought he was sexy as hell. Love that gaping asshole. I could lunch on that all day.
Tender and handsome Czech boy from WH studios. This is his first solo video and he was OK.
12/11/12--Agree w/ jinxrd & brvhrt thst D. has fine looks and fur as well (beard, pits & arse) SO WHY then shave yr. pubes, D., wh many viewers wd have found yr. crowning glory. Found first 4 posts unduly harsh but find a FEW SMILES wd have been most welcome. Always appreciate a rpt cum shot & black towel to show quite clearly what did cum is a clever idea wh/ merits repetition. David may not have true low hangers but those balls were down even as he came & one cd then see he's truly uncut wh/ I had begun to doubt. By all means corndog, let's see him again--what about w/ a red head?!!
nice looking guy, but no personality...does nothing for me.
Hot young guy with a dick and balls and body that would stop a train. Would love to see David paired up with another badpuppy.
Nice body, nice package. I like more hair, but wish he had shaved under his chin. Nice double take on the cum shot.
Great boy-next-door studpuppy with sexy eyes, hot smooth cock & balls, atheletic physique and sensual lips. WOOF!
so bad!
What a dreadfull photoshoot. The photographer should be shot. Get the subject to smile for goodness sake!
A hairless nothing, a zero.
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The What Transformer are you? Test
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Hershey Bears
This is Jeannot Gilbert. Legend has it that after he was drafted by the Pittsburgh Penguins (in the original 1967 expansion draft) Gilbert requested a trade back to Hershey. Reasons range from his taking a slapshot in the back of the leg and deciding the NHL wasn't for him (I know, but that's the legend) or that he enjoyed Hershey and the Bears so much he wanted to go back where he belonged.
Last night the Bears won their second AHL championship (the Calder Cup) in a row; it was their 11th (the league record) in their 74 years of existence.
If Steve Tambellini is looking for a suitable template for the Oklahoma City Barons, the land of chocolate would be a great place to start.
Consider the 2009-10 Hershey Bears roster:
- D Karl Alzner: Former lottery pick looks like he's NHL ready. Has already played over 50 games in the show.
- D John Carlson: 2008 1st rounder got some NHL time and will certainly be in the mix this fall.
- C Alexander Giroux: Scored 50 goals this season, backing up a 60-goal year in 2008-09. Someone hire this guy!
- L Chris Bourque: Huge AHL season (70 points in 49 games) and 27 more in 21 playoff games. Small skill winger is better than a few guys making NHL pay.
- F Keith Aucoin: 30-year old scored 106 points during the AHL regular season.
- R Andrew Gordon: Scoring winger popped 37 in the regular season and 13 more in the playoffs.
- G Michal Neuvirth: Young goaltender had a strong showing in the NHL (.914) and AHL (.919). He looks like the real thing, but is behind the Russian Varlamov and veteran Jose Theodore.
Those are 7 very good minor league players. Some excellent prospects on their way to NHL careers (Carlson, Alzner, Neuvirth) mixed in with "tweeners" looking for their next chance (Bourque, Gordon) and career minor leaguers who can make a difference (Aucoin, Giroux).
In 2009-10, the Oilers had prospects (Dubnyk, Peckham, Plante, Petry, Chorney), they had "tweeners" looking for their next chance (Reddox, McDonald) and they had career minor leaguers (Minard, Linglet, Wiseman, Fretter).
The difference came with regard to quality. Across the board.


text:
LOUISVILLE, Ky. (WHAS11) -- A New Albany man was arrested after at least one person was injured Friday morning in a shooting on Bardstown Road at Akiko's Karaoke Bar. .
Police said Sameer Salaimeh was involved in a fight when he pulled out a semi-automatic weapon and fired of rounds near the victims feet. Police said the victim was injured when the rounds deflected from the ground, striking the victim in both ankles.
Salaimeh was formally charged on assault, wanton endangerment and tampering with evidence charges Saturday.
A Jefferson County Judge set Salaimeh's bond at $25,000.


text:
We hope you enjoy your tour of Embellishment Village.
Click here if you would like to sign up for our newsletter.
Check out our New Products section! We've just added lots of new stencils, Metallic Angelina, foils and foiling glues, glitter, new patterns and kits.
Wholesale inquiries welcome! Click the "Wholesale Store" link to apply for a wholesale account.
Wholesale customers can now quickly and easily set up an account which will allow access to wholesale pricing and easy ordering online.
We are a proud sponsor of the following organization:
AAQI (Alzheimer's Art Quilt Initiative), an internet-driven, grassroots, totally volunteer effort to raise awareness and fund research through art.


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|Comfort Inns Folsom properties are listed below. Search for cheap and discount Comfort Inns hotel rooms in Folsom, CA for your upcoming meeting or individual travels. We list the best Comfort Inns Folsom hotels + motels so you can review the Folsom Comfort Inns hotel list below to find the perfect place.
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February 8, 2012
No introduction yet
Alex you can be happy because I got you on cam :)) Here is your talk in youtube. http://youtu.be/siB44oG8fgQ
Sorry if the camera position is not good. I haven't got any Tripods so I had to put it on the table.
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ATLANTA -- With a day off Thursday and another coming up Monday, the Marlins had the choice of either going with a four-man rotation this week or starting veteran long-reliever Kevin Slowey in Saturday's open slot against the New York Mets.
They opted for the latter, a move manager Mike Redmond explained Wednesday was all geared toward giving his young rotation an extra day of rest.
"If we can get guys an extra day here, it's going to be better for them down the road," Redmond said. "Slowey has pitched well against the Mets. Now we don't rush these guys too much.
"At the end of day, at the end of this year, all these guys are going to be in uncharted territory with all of their innings. It just made sense to push them back, give them an extra day."
Henderson Alvarez, Friday's starter in New York, has logged the most innings in one calendar year of any Marlins starter in the rotation (187 1/3 innings in 2012 with Toronto). The others aren't far behind: Jacob Turner (174 1/3 innings 2013), Jose Fernandez (172 2/3 innings in 2013), Tom Koehler (116 innings in 2013) and Nathan Eovaldi (154 1/3 innings in 2012).
Redmond said the Marlins haven't discussed putting an innings limit on Fernandez like they did last year during his National League Rookie of the Year season. But he said the team has Fernandez's "best interest in mind.
"We showed that last year how we kind of handled him," Redmond said of Fernandez, who was shut down the second week of September. "[An innings limit] will be a conversation to have later in the year. But we've talked about possibly giving him extra days when we can throughout the year to save him and make sure he's fresh at the end of the year as well."
In Tuesday's masterful 1-0 victory over the Braves, Fernandez matched a career-high with 14 strikeouts and 109 pitches over eight innings. It marked the third time in his career Fernandez had a shutout through eight innings but didn't come out to pitch the ninth.
Redmond reiterated Wednesday he would have let Fernandez pitch the ninth inning Tuesday had his pitch count after the eighth been closer to 100 pitches.
Fernandez, by the way, made history again Tuesday.
He became the fourth-youngest pitcher since 1900 to record 14-plus strikeouts with no walks in a start, according to the Elias Sports Bureau. Only Gary Nolan (19 years, 11 days in 1967), Dwight Gooden (twice: 19 years, 301 days and 19 years, 306 days in 1984) and Kerry Wood (20 years, 324 days in 1998) were younger than Fernandez when they accomplish the feat.
In his first 33 starts, Fernandez has five games of 10-plus strikeouts with one or no walks, the first pitcher to pull off that feat since Mark Prior.
• Reliever Carlos Marmol left Wednesday's game with a right hamstring strain. Redmond said Marmol has played through a similar injury in the past. The Marlins are listing him as day-to-day.
• The Marlins recalled reliever Carter Capps, acquired in the Logan Morrison trade with Seattle, to fill the spot vacated by Arquimedes Caminero in the bullpen.
• Redmond said Turner, on rehab assignment with a right shoulder sprain, was scheduled to throw 50 to 60 pitches for Single A Jupiter on Wednesday night. It's Turner's first game since he strained his shoulder in the batting cages before a game in Washington earlier this month.
• Infielder Ed Lucas (fractured left hand) still has not begun playing in games, but he is working out in Jupiter, Redmond said.
Coming up
• Thursday: Off
• Friday: Marlins RHP Henderson Alvarez (1-2, 2.66 ERA) vs. Mets RHP Zach Wheeler (1-2, 4.63), 7:10 p.m., Citi Field.


text:
Take one workshop ($10 UB students, $20 UB staff and alumni, $30 general public), or take all four workshops to earn a Certificate of Achievement in Professional Communication ($30 UB students, $60 UB staff and alumni, $90 general public). Payment is required to reserve a seat.
Unprofessional e-mails are among employers' top complaints. Learn how to convey a professional tone and create a clear, concise message.
Saturday, April 12, 9-10:30am
Learn strategies for managing anxiety, communicating clearly and creating effective visual aids..
Saturday, April 12, 10:30am-noon
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Saturday, April 19, 9-10:30am
Be prepared to explain yourself, your business or your goals at a moment's notice—and entice your listener to want to learn more.
Saturday, April 19, 10:30am-noon
Participants in the Be More leadership and service program can attend one workshop free. To find out more, visit www.ubalt.edu/bemore or e-mail firstname.lastname@example.com. To join Be More, visit us on CSI Link .PDI Students: Fee waived for student members of the Professional Development Institute upon verified registration and attendance. Mention "PDI membership" when reserving your seat. Fees incurred if you do not attend and fail to cancel with 24-hours' advanced notice.


text:
10 bad money habits that rob you blind
As you work to get your financial life on track, it's not uncommon to find old, counterproductive habits undermining your progress. Here's how to change them.
This post comes from Marilyn Lewis at partner site Money Talks News.
The good habits we've made carry us along almost effortlessly. That's positive. It lets us focus on the things that need our attention most.
But as you work to pay off debt, save and get your financial life on track, you'll probably find some old, counterproductive habits undermining your progress. They may have worked once, but now they're holding you back.
Dropping bad money habits makes it easier to power up your financial life. Here are ways to drop habits you no longer want and adopt new habits to take their place.
1. Carrying a credit card balance
Carrying a balance on a credit card is like walking down the street with a hole in your wallet and your money leaking out. High interest rates on credit cards make plastic one of the most expensive ways to borrow, right up there with subprime mortgages.
Here's why: Suppose you decide to pay off a $5,000 balance on a card charging 15 percent interest. It'll cost you at least $7,000 in interest and take decades if you pay the minimum charge each month.
Think what you would love to do with that $7,000.
Build a better habit: To begin dropping a bad habit, analyze it. Suggests MSN Money:
Asking "who, what, where, when, why and how much" makes it much easier to identify and define new habits for almost any situation.
For example, if debt is your major concern, ask yourself where you are overspending and why. Are there any situations or triggers that tempt or cause you to spend more than you should? Can you limit your exposure to these situations or triggers?
One approach to erasing the card balance is to "snowflake" the debt, devoting every spare penny to getting rid of it. If you have other pressing debts, you'll need to make a plan for dealing with all of them. Here's how to kill your debt and write its obituary.
Keep the balance from building again by making it a new habit to pay off the entire bill every month -- no exceptions ever.
2. Failing to fund a retirement plan
There are compelling excuses to put off saving for retirement. But none will matter if you reach retirement age with little to nothing saved. And, if you don't take advantage of your employer's matching contributions, you're passing up free money every month.
How much should you save? "Ten percent is the minimum (monthly contribution) for anyone in any situation," Arlington, Va., financial planner Claire Emory tells Women's Day.
Build a better habit: Imagine yourself at age 70. Or 80. Picture concrete details -- how you'll look, your surroundings, how you're spending time and who's with you. The more real your future self is to you, the more likely you'll care for her or him today.
Start paying close attention to your retirement savings. If you can't bring your plan's monthly contribution up to your goal immediately, increase it by 1 percent a month. Once a year check the performance of your investments and re-balance your portfolio.
Here are three online retirement calculators. Play around to set a goal and start saving aggressively:
- Vanguard's Retirement nest egg calculator
- The Flexible Retirement Planner
- AARP Retirement Calculator
3. Not shopping for monthly services
If you comparison shopped when signing up for insurance policies and phone, Internet and cable, good for you.
But you may be missing savings if you're not checking prices again once a year.
I recently saved about $200 a year by bundling all my insurance policies with one insurer. The new auto insurance premium was higher than the old one. But my home insurance dropped a lot.
Build a better habit: Be willing to put some energy into improving your financial life. Once a year spend 30 to 60 minutes price shopping for monthly services. To make it easy, keep a list with each company's name, your account number and your monthly payment amount.
Cable prices are going nowhere but up. Free and cheaper alternatives make experimenting worthwhile. The question is, will you get out of your rut and try something new?
Build a better habit: Before trying a change, just observe yourself and your habit. Record your viewing habits for a week or two to see how and if you're using the services. Ditto for your landline.
If you're able, drop the landline and use mobile phones only. If that seems too radical, refrain from using the service for one month -- or a week -- while you check out alternatives. Some possibilities:
- Drop the premium cable tiers; learn to love basic.
- Find out if you'll pay less by bundling Internet and phone services with one company.
- Get an all-inclusive mobile plan with unlimited text, data and phone.
- Switch to Skype, Vonage, or another cheap or free Internet phone service. Don't be scared of the new technology. It's super easy to use.
- Cut the cable and substitute sources like YouTube, Hulu, Netflix, Redbox and CDs from the public library.
- Try a free Internet service.
5. Ignoring coupons and deal sites
If you aren't using coupons and checking daily deal sites, you're spending too much. However, exercise discipline when bargain shopping so you don't sabotage your good intentions with impulse buys.
Build a better habit: Tackle bad habits in small bites. Try just one deal or coupon site. For example:
- Daily deal message boards like Slickdeals, LivingSocial and Woot for cut-rate prices.
- Grocery store apps that deliver coupons and personalized savings to your computer or smartphone.
- Grocery store receipts often have printed coupons.
- Manufacturers' websites often have coupons.
6. Playing investing too safe
Safe investing is important. But there's safe and there's too safe. Keeping all your money in no-risk accounts means inflation will rob you slowly but surely.
Build a new habit: Don't break all your bad habits at once. Pick one and focus. Make managing your investments a priority, for instance. Learn your investing style by taking a risk-tolerance quiz like this one from Merrill Lynch Wealth Management. Next, read up on the basics of investing. Then -- taking your age and risk tolerance into account -- take another look at your investments.
Stacy Johnson of Money Talks News tells how to invest in a mutual fund and how to get started in the stock market.
7. Getting hooked on lattes
That $4 latte is killing your budget. One latte a day each workday adds up to $20 a week -- $1,040 a year. If you tip a dollar each time you're spending $1,300 a year. Tip 50 cents? You do the math. There's surely something you'd rather do with that $1,000.
Build a better habit: Substitute new habits you enjoy for the old ones. A latte is a way of treating yourself, so find treats that don't bust your budget.
- If you've got a morning latte habit, start a new ritual at home that includes making coffee or tea or doing yoga or meditating.
- How about 15 minutes more of sleep since you're eliminating the coffee shop stop?
- You'd could even spend $600 on a used high-end espresso maker so you and your family and friends can enjoy espresso drinks and still save a bundle.
8. Living without an emergency fund
If you don't have an emergency fund, your life is a high-wire act with no safety net. Emergencies are inevitable. Life is full of them.
Women's Day says:
You should have enough socked away (in a money market account, perhaps) to cover three to six months of living expenses -- which should be less than three to six months of income, since income includes retirement contributions, taxes and money for unnecessary spending.
Build a better habit: Make a commitment to the change you want. Write it down and put it where you'll see it and reinforce your resolve. Keep the change at the forefront of your mind and tell yourself continually: "I can do this."
Commit and watch your savings build:
- By taking on a few hours of extra work each week, whether it's overtime at work or watching neighbors' dogs.
- By scheduling a small payment automatically into your savings account each month.
- By paying off debts and diverting those monthly payments into your emergency account.
- By cutting back -- or cutting out -- restaurant meals.
9. Buying retail
Paying retail markup is like setting a match to a pile of cash. Smart buyers find ways to avoid it.
This remarkable infographic at Edmunds.com shows how quickly a new car loses value. The car's value drops 8 percent the minute it leaves the dealer's lot. At the end of the first year, it's worth 19 percent less. After two years, it's 31 percent less.
One caution: There are things you should never buy used -- blenders, hats, mattresses, underwear, swimming suits, vacuum cleaners, stuffed animals, tires and software, among them.
Build a better habit: Get out of your comfort zone. If you feel pressure to keep up with your friends or neighbors, ask yourself what that's costing you. Stay out of malls and brand-name stores except for researching products. Read up on prices online so you know a good price when you see it.
Shop at wholesale clubs and bulk stores, garage sales, consignment stores, thrift stores, online auction sites and classified ads. You'll find especially good deals on used cars, refurbished electronics, jewelry, furniture, housewares, clothes, tools, books and sports equipment.
10. Using shopping as entertainment
You know people with compulsive shopping habits. Maybe you are one. For some of us, spending creates a high that's addictive and can severely damage your budget and the financial security of your family. But even if you don't miss the money, the inability to stop can eat away at you.
Here are a few signs of a shopping habit out of control:
- There's a pattern -- not just an incident or two.
- You buy things you don't need
- You hide purchases or lie about spending.
- You order things you don't open or don't use.
- You wreak havoc on your budget.
See WebMD for more signs.
Build a better habit: Try a spending fast, remove your name from catalog lists, stay out of stores and hang out with friends whose idea of fun doesn't include shopping.
But if none of these habit busters works and you're still struggling with your shopping habit, you may need help. Compulsive spending is a tough pattern to break.
Debtors Anonymous is a free, nonprofit 12-step organization based on the principles of Alcoholics Anonymous.
More from Money Talks News
Well I see MSN is still trying to pump up the market never missing an opportunity to hawk stocks.
This article failed to mention the huge costs of personal habits such as tobacco, alcohol and gambling. I was paying for gas the other day and I noticed a carton of Marlboro costs about 50 Dollars. These so called sin habits can shrink a wallet fast. IMO
Allowing those that vote themselves money to live has always been the worst mistake a society can make.
Our trash element is so ignorant it is rapidly bringing about it's own demise by assaulting the rights of those that carry them. They will soon have the choice of starving to death or being killed trying to steal from those worth the oxygen they use.
No sympathy here, they and their leaders have proven they deserve it.
On the other hand, aren't people just following the example set by our government?
#11 Electing a Republican to the White House. After 4 straight balanced budgets under Clinton the GOP cut taxes on the bottom bracket by 1/3rd from 15% to 10% so the poorest 43% no longer pay any federal tax after standard deductions. The GOP then increased spending by $1.6 trillion almost doubling the 2001 budget of $1.9 trillion, bringing the Bush's last budget to $3.5 trillion and the deficit to $1.5 trillion in 2009.
After 4 years of Obama federal spending has fallen by $100 billion to just $3.4 trillion and the deficit has been cut by more than half to just $653 billion, the largest deficit reduction in history. Only a madman would choose to return to the massive spending and incompetent fiscal management the GOP gave us. No more USSR ( United States Socialist Republicans )
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This Texas family has a substantial income and doesn't splurge on extras but still finds there's little left at the end of the month.
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